Listing Report:Supplement No. 41 dated Aug 09, 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
610476
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*:
| 8.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $565.05 |
|
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-1999 |
Debt/Income ratio:
| 21% |
Credit score:
| 700-719 (Jul-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,993 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| No | | |
Screen name:
| red-duty-tonic |
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
Funds for a property purchase
Purpose of loan: Purchase
This loan will be used to purchase a condo in foreclosure only accepting cash offers
My financial situation:
I am a good candidate for this loan because of our financial situation. We make enough money and don't have a lot of debt.
Monthly net income: $ 8,300 household income
Monthly expenses: $3,000
Housing: $ none
Insurance: $ 250
Car expenses: $1560
Utilities: $ n/a
Phone, cable, internet: $ 100
Food, entertainment: $200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 300
Other expenses: $ 490
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
618130
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:
| $8,200.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,740 |
Estimated loss*:
| 3.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 15.83% |
Monthly payment:
| $276.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.95% | | |
| |
Estimated return*:
| 7.96% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jun-2003 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 7y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Waiter/Waitress |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $459 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| capital-financier3 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 5 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Dec-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 5 | | |
Description
My Debt Consolidation
Purpose of loan:
This loan will be used to pay off bills.
My financial situation:
I am a good candidate for this loan because it is off season at the restaurant and summer time for school. I have two full time jobs but the summer is slow at the restaurant and there isn't any school.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
620768
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*:
| 14.25% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 22.10% |
Borrower rate/APR:
| 23.10% / 31.03% |
Monthly payment:
| $376.50 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.11% | | |
| |
Estimated return*:
| 6.86% | | |
* 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-2006 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 760-779 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $608 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| |
Homeownership:
| No | | |
Screen name:
| dollar-wind9 |
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
New home improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
620846
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*:
| 14.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.09% |
Borrower rate/APR:
| 29.09% / 33.05% |
Monthly payment:
| $146.84 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.81% | | |
| |
Estimated return*:
| 12.56% | | |
* 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-1973 |
Debt/Income ratio:
| 6% |
Credit score:
| 680-699 (Jul-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 41y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,401 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| lmitch3944 |
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
Wedding
Purpose of loan:
This loan will be used to...my daughter's wedding
My financial situation:
I am a good candidate for this loan because. I have worked full time for almost 42 yrs for the same company and brought up 2 children by myself,through college and higher education .I had some previous financial difficultywith a stolen identity,but have been working furiously to repair the damage and restore my credit rating. I am only paying for a portion (catering) of my daughter's wedding ,but would rallly appreciate a small loan to finish it off.
Monthly net income: $70,000.00
Monthly expenses: $500.00
Housing: $1550.00( including tax and insurance)
Insurance: $50
Car expenses: $35
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $3000.00
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
620912
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:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 5.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.79% |
Borrower rate/APR:
| 16.79% / 20.46% |
Monthly payment:
| $159.97 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.52% | | |
| |
Estimated return*:
| 9.53% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,852 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| |
Homeownership:
| No | | |
Screen name:
| heroic-leverage4 |
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
Pay off debt
Purpose of loan:
This loan will be used to...pay off debt
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2000
Monthly expenses: $809
Housing: $519
Insurance: $0
Car expenses: $0
Utilities: $60
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $30
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
621922
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*:
| 11.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.24% |
Borrower rate/APR:
| 25.24% / 29.11% |
Monthly payment:
| $598.30 |
|
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):
| 5 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 53% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,733 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| No | | |
Screen name:
| bill-exec7 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consilidation to help save $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622002
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:
| $14,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 2.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.64% |
Borrower rate/APR:
| 13.64% / 15.94% |
Monthly payment:
| $323.15 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.59% | | |
| |
Estimated return*:
| 10.10% | | |
* 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):
| 9 |
First credit line:
| Mar-1972 |
Debt/Income ratio:
| 17% |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $58,123 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| inspiring-commitment6 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Funding for the Future
Purpose of loan:
This loan will be used to continue to build my business, rebuild my retirement and create a legacy which I can leave to my grandson - he's all I have. This will help me continue to build this business which I can leave to him and his parents to help assure their future security, and that of my grandson's family, if he has his own later on.
My financial situation:
I am a good candidate for this loan because even with everything that's happened in the economy and the job market, I've kept up my payments and still manage a 720+ FICO score. I've always been a man of my word - if I say I will repay, I will repay, and my credit report shows that.
Help me build something I can leave to my step-daughter's little guy, my grandson.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 4.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.14% |
Borrower rate/APR:
| 14.14% / 17.75% |
Monthly payment:
| $171.23 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.92% | | |
| |
Estimated return*:
| 8.43% | | |
* 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-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
4 | Length of status: | 7y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,122 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| No | | |
Screen name:
| intuitive-loan |
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:
| 3 ( 16% )
| 700-719 (Latest)
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 15
( 79% )
| 680-699
(Nov-2010)
|
Principal balance:
| $3,942.11 |
31+ days late:
| 1
( 5% )
|
Total payments billed:
| 19 | | |
Description
Expansion of own business
This loan will be used to expand my own business (online jewelry retailer) which has been successful so far but need cash funds to take it to the next level.
My financial situation:
Monthly net income: $3,200
Total Monthly expenses: $2,750
*****Financial Breakdown*****
Housing: $600
Insurance: $200
Utilities: $30
Phone, internet: $120
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $1,000
Other expenses: $300
I am a good candidate for this loan because I am strongly committed to make my business more successful and bring it to the much higher level.
To achieve a goal, I will do whatever I can, spend as much time as possible to make things happen.
My business is my life.
I do love what I do so I will take any obstacle as a part of process to be successful.
I would really appreciate if you understand this passion and offer any help you can.
Thank you for your understanding.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622068
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*:
| 16.25% | | |
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*:
| 12.71% | | |
* 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):
| 3 |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| 22% |
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 10m |
Amount delinquent:
| $11,520 |
Total credit lines:
| 17 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,886 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 82% | | |
| |
Homeownership:
| No | | |
Screen name:
| loyaltyapult |
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
Debt Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $9,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 4.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.52% |
Borrower rate/APR:
| 18.52% / 20.93% |
Monthly payment:
| $231.09 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.21% | | |
| |
Estimated return*:
| 12.72% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 40% |
Credit score:
| 680-699 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 39
/
37 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Professor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,486 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| No | | |
Screen name:
| unassuming-loot2 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jan-2012)
|
Principal balance:
| $5,672.07 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 4000
Monthly expenses: $. 400
Housing: $ 1100
Insurance: $
Car expenses: $ 0. Vehicle is paid in full
Utilities: $ 200
Phone, cable, internet: $ 80
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans:
Other expenses: $
I have another loan that I have paid on time with no default. All of these bills are shared with my husband and the net income above is just mine.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $11,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,050 |
Estimated loss*:
| 7.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 22.62% |
Borrower rate/APR:
| 23.62% / 26.16% |
Monthly payment:
| $328.30 |
|
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):
| 5 |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 17% |
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 7 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 5m |
Amount delinquent:
| $826 |
Total credit lines:
| 43 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,197 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| No | | |
Screen name:
| kind-sharp-leverage |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Oct-2011)
|
Principal balance:
| $3,989.73 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Debt consolidation from home repair
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622160
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*:
| 3.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 15.83% |
Monthly payment:
| $404.27 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.95% | | |
| |
Estimated return*:
| 7.96% | | |
* 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-1998 |
Debt/Income ratio:
| 9% |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 5y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,830 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| |
Homeownership:
| No | | |
Screen name:
| auction-course1 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 4 ( 67% )
| 720-739 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 2
( 33% )
| 800-819
(Jan-2012)
|
Principal balance:
| $1,694.82 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Debt Consolidation
I want to streamline all my credit card debts and other loans into one with payments installments I know I will comfortable make.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622172
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*:
| 16.25% | | |
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:
| 29% |
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 9y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,489 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| credible-treasure1 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3300
Monthly expenses: $1700
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
622236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 16.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $108.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.21% | | |
* 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):
| 4 |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 6y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 3 |
Revolving credit balance:
| $10,448 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| intrepid-credit66 |
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
PAY OFF CREDIT CARDS
Purpose of loan LOWER MONTHLY PAYMENTS
This loan will be used to...PAY OFF BILLS
My financial situation: HUNTINGTON NATIONAL BANK
I am a good candidate for this loan because... GOOD JOB
Monthly net income: $5400
Monthly expenses: $2873
Housing: $1200
Insurance: $123.00
Car expenses: $200
Utilities: $226
Phone, cable, internet: $300
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $368
Other expenses: $256
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622240
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 16.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $108.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.21% | | |
* 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):
| 1 |
First credit line:
| Feb-1987 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 21y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,166 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| No | | |
Screen name:
| yield-kahuna9 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 21 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2011)
700-719
(Apr-2010)
|
Principal balance:
| $1.38 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
3rd Prosper Loan
Purpose of loan:
This loan will be used to...I needed a quick loan to pay the balance of what I owe for putting a motor in my 2005 Honda
My financial situation:
I am a good candidate for this loan because...My 3rd loan. Never missed a payment
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
622244
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*:
| 16.25% | | |
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:
| Feb-1992 |
Debt/Income ratio:
| 34% |
Credit score:
| 680-699 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,473 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| |
Homeownership:
| No | | |
Screen name:
| a-bonafide-payment |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
water line
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622250
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:
| $18,600.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $13,020 |
Estimated loss*:
| 5.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 19.65% |
Monthly payment:
| $653.83 |
|
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):
| 8 |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 18% |
Credit score:
| 740-759 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 10y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Pharmacist |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,854 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| justice-wingding1 |
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
Debt Consolidation Loan
Purpose of loan: consolidation of debt
This loan will be used to...pay off credit cards
My financial situation:
I am a good candidate for this loan because..I am a pharmacist employed with K-Mart for over 10 years.
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
622266
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*:
| 9.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 24.73% |
Borrower rate/APR:
| 25.73% / 28.32% |
Monthly payment:
| $446.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.12% | | |
| |
Estimated return*:
| 14.87% | | |
* 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:
| Apr-1987 |
Debt/Income ratio:
| 36% |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 23
/
21 | Length of status: | 6y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,174 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| pizza193 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
HOME IMPROVEMENT
Purpose of loan:
This loan will be used to...REMODEL KITCHEN AND BATHROOM
My financial situation:
I am a good candidate for this loan because...AS MY CREDIT REPORTS SHOWS I AM NEVER LATE WITH ANY OF MY BILL PAYMENTS . NEVER.
Monthly net income: $5200
Monthly expenses: $3200
Housing: $1017
Insurance: $234
Car expenses: $1000
Utilities: $250
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $250
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622310
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*:
| 8.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $565.05 |
|
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-1985 |
Debt/Income ratio:
| 18% |
Credit score:
| 740-759 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
11 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,523 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| trade-numero-uno9 |
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
Starting new business
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622334
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*:
| 16.75% | | |
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*:
| 12.21% | | |
* 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):
| 4 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 2m |
Amount delinquent:
| $415 |
Total credit lines:
| 28 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,625 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| No | | |
Screen name:
| loyalty-jam2 |
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
personal loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 1.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.39% |
Borrower rate/APR:
| 8.39% / 9.74% |
Monthly payment:
| $472.75 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.39% | | |
| |
Estimated return*:
| 5.65% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| May-1996 |
Debt/Income ratio:
| 22% |
Credit score:
| 780-799 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 20y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,735 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 9% | | |
| |
Homeownership:
| No | | |
Screen name:
| thrifty-durability5 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Funds for debt consolidation, vehic
Purpose of loan:
This loan will be used to...credit card payoff and a vehicle
My financial situation:
I am a good candidate for this loan because...
I pay all my bills in a timely manner
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622594
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*:
| 16.25% | | |
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*:
| 12.71% | | |
* 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:
| Apr-1990 |
Debt/Income ratio:
| 31% |
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 17y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,845 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| gain-artisan0 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
To get my car fix
Purpose of loan:
This loan will be used to...get my car repaired
My financial situation:
I am a good candidate for this loan because...I pays my bills on time
Monthly net income: $ 2,182.00
Monthly expenses: $
Housing: $
Insurance: $ 74.00
Car expenses: $ 100.00
Utilities: $ 190.00
Phone, cable, internet: $ 0
Food, entertainment: $ 100.00
Clothing, household expenses: $ 150.00
Credit cards and other loans: $ 480.00
Other expenses: $ 210.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622648
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*:
| 9.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.59% |
Borrower rate/APR:
| 22.59% / 26.40% |
Monthly payment:
| $230.98 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.07% | | |
| |
Estimated return*:
| 11.32% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 15% |
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| Alex222 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 67% )
| 640-659 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 10
( 28% )
| 640-659
(Jan-2008)
|
Principal balance:
| $0.07 |
31+ days late:
| 2
( 6% )
|
Total payments billed:
| 36 | | |
Description
Business start up
Purpose of loan:
This loan will be used to...help with the start up costs of a financial company aimed at the masses. In America 68% of working people have less than $1,000 in savings and investments, 19% have 1,000 to $9,999 this is a sad state of affairs, which needs to change. With the help of a leading financial services organization in North America, which I have an affiliation with, I can help many people of all ages and social backgrounds plan for a better future. Their financial past does not matter.
My financial situation:
I am a good candidate for this loan because...I am a returning borrower and have a great re-payment record with Prosper. Owning my own business is a passion for me so you know I will work hard and smart to make this opportunity a go.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622678
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 2.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $160.73 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.72% | | |
| |
Estimated return*:
| 6.23% | | |
* 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:
| Dec-1992 |
Debt/Income ratio:
| 10% |
Credit score:
| 760-779 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 11y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,451 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| logical-order7 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement/auto repair
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622702
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 13.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 27.39% |
Borrower rate/APR:
| 28.39% / 32.33% |
Monthly payment:
| $166.30 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.14% | | |
| |
Estimated return*:
| 12.39% | | |
* 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:
| Jul-2000 |
Debt/Income ratio:
| 27% |
Credit score:
| 620-639 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 2m |
Amount delinquent:
| $165 |
Total credit lines:
| 58 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $69 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 66 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cheri27 |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 22 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $10,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Oct-2011)
520-539
(Feb-2008)
580-599
(Apr-2007)
|
Principal balance:
| $5,717.29 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Getting caught back up
Purpose of loan:
This loan will be used to...get bills paid and get tires and service my tahoe
My financial situation:
I am a good candidate for this loan because... I will pay and Ihave great potential for advancement with my employer and that will provide additional revenue to help with paying this loan.
Monthly net income: $ 1942.00
Monthly expenses: $1287
Housing: $0
Insurance: $70
Car expenses: $300
Utilities: $
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $130
Credit cards and other loans: $287
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622720
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):
| 5 |
First credit line:
| Sep-1990 |
Debt/Income ratio:
| 16% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,683 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| courteous-payment60 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Dave
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 14.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.09% |
Borrower rate/APR:
| 29.09% / 33.05% |
Monthly payment:
| $83.91 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.81% | | |
| |
Estimated return*:
| 12.56% | | |
* 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-2001 |
Debt/Income ratio:
| 5% |
Credit score:
| 600-619 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
3 | Length of status: | 10y 11m |
Amount delinquent:
| $887 |
Total credit lines:
| 14 |
Occupation: | Nurse's Aide |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,658 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| first-dinero-course |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 86% )
| 600-619 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 1
( 14% )
| 720-739
(Aug-2010)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
home repair
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622744
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*:
| 6.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.18% |
Borrower rate/APR:
| 22.18% / 24.68% |
Monthly payment:
| $415.82 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.68% | | |
| |
Estimated return*:
| 14.19% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Feb-2005 |
Debt/Income ratio:
| 7% |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 8y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,053 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| |
Homeownership:
| No | | |
Screen name:
| blue-reinforced-income |
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 a New Business
Purpose of loan:
This loan will be used to... Help with Start-Up Capital, Equipment Purchase, etc.
My financial situation:
I am a good candidate for this loan because... I have maintained my credit in good standing with low balances. I have never missed a payment and always pay on time. My expenses are about 1/3 of my current income. I decided to start a new business due to my experience and background in the industry.
Monthly net income: $91,537
Monthly expenses: $
Housing: $1200
Insurance: $300
Car expenses: $N/A Paid off
Utilities: $260
Phone, cable, internet: $190
Food, entertainment: $550
Clothing, household expenses: $250
Credit cards and other loans: $300
Other expenses: $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622750
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 2.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.89% |
Borrower rate/APR:
| 10.89% / 13.70% |
Monthly payment:
| $98.06 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.86% | | |
| |
Estimated return*:
| 6.87% | | |
* 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):
| 7 |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 19% |
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 1y 9m |
Amount delinquent:
| $902 |
Total credit lines:
| 33 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,094 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| |
Homeownership:
| No | | |
Screen name:
| durable-exchange |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jan-2012)
680-699
(Jul-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
household expenses
Purpose of loan:
This loan will be used to...pay unexpected household expenses
My financial situation:
I am a good candidate for this loan because...i have a good track record with prosper already. My credit score shows that i do pay my bills and i can pay off this loan as well
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622756
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:
| $3,900.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,730 |
Estimated loss*:
| 14.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.09% |
Borrower rate/APR:
| 29.09% / 33.05% |
Monthly payment:
| $163.62 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.81% | | |
| |
Estimated return*:
| 12.56% | | |
* 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-1987 |
Debt/Income ratio:
| 8% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 8
/
4 | Length of status: | 4y 4m |
Amount delinquent:
| $175 |
Total credit lines:
| 29 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,966 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| the-peso-resonance |
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
Funds for household expenses.
Purpose of loan:
This loan will be used to pay off household expenses.
My financial situation:
I am a good candidate for this loan because I have a full time job and we have paid our bills on time consistently. We have no credit cards, and take credit very seriously.
Monthly net income: $3592.30
Monthly expenses: $
Housing: $1677.33
Insurance: $264.00
Car expenses: $0 (cars paid off)
Utilities: $ 500
Phone, cable, internet: $ 180.00
Food, entertainment: $750
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
618795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 14.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 31.58% |
Borrower rate/APR:
| 32.58% / 35.37% |
Monthly payment:
| $67.91 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 30.13% | | |
| |
Estimated return*:
| 15.88% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Mar-1989 |
Debt/Income ratio:
| 4% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 2y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $459 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| elevated-social16 |
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
medical/dental
Purpose of loan: medical/dental expenses
This loan will be used to...pay for dental work and medical bills
My financial situation: no debt
I am a good candidate for this loan because...responsible, employed, stable, good credit
Monthly net income: $1,400
Monthly expenses: $950.00
Housing: $350.00
Insurance: $
Car expenses: $
Utilities: $80.00
Phone, cable, internet: $
Food, entertainment: $100.00
Clothing, household expenses: $25.00
Credit cards and other loans: $credit card/16.00per month
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
619279
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*:
| 16.75% | | |
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*:
| 12.21% | | |
* 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):
| 5 |
First credit line:
| Nov-2005 |
Debt/Income ratio:
| 32% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 4y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,584 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| No | | |
Screen name:
| openness-oboe834 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate my debt
My financial situation:
I am a good candidate for this loan because I have had a steady job with an average income for over 4 years. I will be able to minimize my debt and stop late payments with the help of this loan.
Monthly net income: $1720
Monthly expenses: $
Housing: $
Insurance: $100
Car expenses: $284
Utilities: $
Phone, cable, internet: $108
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
620967
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:
| $17,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 1.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.08% |
Borrower rate/APR:
| 12.08% / 14.34% |
Monthly payment:
| $389.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.07% | | |
| |
Estimated return*:
| 9.33% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 19% |
Credit score:
| 720-739 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Social Worker |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,706 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| |
Homeownership:
| No | | |
Screen name:
| priceless-euro5 |
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
Getting on Track, Debt Payoff
Hi. I've come to Prosper as a means to get my finances in order. While in college and grad school, I acquired more debt than I'd like to admit. Now, two years into my career as Mental Health Clinician, I'm ready to pay off my debt for good.
I graduated in 2010 and immediately started a job as a school social worker. After two years, I recently moved on to new job at a mental health clinic as a Psychotherapist. In two years, I plan to start a private practice and would like to settle in without the burden and shame of my debt. I have a good credit score and always pay bills on time. I'm ready to stop making minimum payments and eradicate my debt. I've always had a steady income. After obtaining my BA, I worked at the same company for six years before going back to grad school.
I'm looking forward to building my practice and a future of managing my finances responsibly. Thank you for considering to help me on my path.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
621233
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*:
| 14.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 31.58% |
Borrower rate/APR:
| 32.58% / 35.37% |
Monthly payment:
| $135.82 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 30.13% | | |
| |
Estimated return*:
| 15.88% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Sep-2007 |
Debt/Income ratio:
| 28% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,660 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| No | | |
Screen name:
| yield-nest087 |
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
Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
621329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 8.74% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 15.16% |
Borrower rate/APR:
| 16.16% / 23.96% |
Monthly payment:
| $181.61 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.82% | | |
| |
Estimated return*:
| 6.08% | | |
* 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-2007 |
Debt/Income ratio:
| 24% |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,241 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| top-payout-wicket |
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
Debt Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
621587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 2.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.64% |
Borrower rate/APR:
| 13.64% / 15.94% |
Monthly payment:
| $115.41 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.59% | | |
| |
Estimated return*:
| 10.10% | | |
* 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):
| 9 |
First credit line:
| Sep-1986 |
Debt/Income ratio:
| 17% |
Credit score:
| 820-839 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 24y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,137 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| yield-serenity239 |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement/help my daughter
Purpose of loan:
This loan will be used to...
I need to help my daughter with new housing as she has fallen down a flight of stairs in her current apartment and needs to be on a one level house. She is a single mom with an 11 year old daughter and needs some help getting in to a better situation. I also would like to use some of the money for home improvements and a new air conditioner
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
621691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 11.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.04% |
Borrower rate/APR:
| 28.04% / 30.70% |
Monthly payment:
| $202.54 |
|
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:
| May-2002 |
Debt/Income ratio:
| 18% |
Credit score:
| 680-699 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 7y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $149,748 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| decisive-marketplace6 |
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
Payroll
Purpose of loan:
This loan will be used to cover payroll on a new client account for first 30days.
My financial situation:
I am a good candidate for this loan because I pay my bills on time.
Monthly net income: $6000
Monthly expenses: $4000
Housing: $2200
Insurance: $159
Car expenses: $575
Utilities: $300
Phone, cable, internet: $120
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
621765
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*:
| 16.25% | | |
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:
| Mar-1985 |
Debt/Income ratio:
| 9% |
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
4 | Length of status: | 8y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,315 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 18 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| compassion-kingdom1 |
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
Home Improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
621947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.84% |
Borrower rate/APR:
| 26.84% / 29.46% |
Monthly payment:
| $152.20 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.20% | | |
| |
Estimated return*:
| 14.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 31% |
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,630 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| compassion-prairie0 |
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
Debt Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622125
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 5.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 19.65% |
Monthly payment:
| $246.06 |
|
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):
| 8 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 11% |
Credit score:
| 740-759 (Jul-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 22y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $39,675 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| unique-dinero6 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Dental medical
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622131
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*:
| 16.25% | | |
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):
| 6 |
First credit line:
| Nov-1978 |
Debt/Income ratio:
| 10% |
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,587 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| the-diverse-payout |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...pay off debt
My financial situation:
I am a good candidate for this loan because......if not for assisting family members who have been umemployed for the past 6 years, I would not have such a heavy debt load. I have helped others, know I would like to get my life back on track and to become debt free.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $0
Utilities: $80
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
622155
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:
| $14,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,800 |
Estimated loss*:
| 10.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.84% |
Borrower rate/APR:
| 26.84% / 29.46% |
Monthly payment:
| $426.16 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.20% | | |
| |
Estimated return*:
| 14.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Apr-1988 |
Debt/Income ratio:
| 32% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 18
/
16 | Length of status: | 4y 11m |
Amount delinquent:
| $243 |
Total credit lines:
| 43 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $82,952 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| RentalBuyer |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $13,608.24 | < 31 days late:
| 0
( 0% )
| 760-779
(Apr-2011)
|
Principal balance:
| $10,924.16 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 15 | | |
Description
Expansion of my bar business
Purpose of loan:
This loan will be used to update my bar business ..
My financial situation:
I am a good candidate for this loan because I've gotten a loan from Prosper before and have never missed a payment. As we get these improvements made our sales/profits should increase, making early repayment of this loan a strong possibility.
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
622161
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*:
| 2.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.64% |
Borrower rate/APR:
| 13.64% / 15.94% |
Monthly payment:
| $461.64 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.59% | | |
| |
Estimated return*:
| 10.10% | | |
* 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):
| 8 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-779 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 10y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,171 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 11% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| speedy-coin736 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Loan for Grandson
Purpose of loan: To pay the various costs of the wedding
This loan will be used to...
My financial situation:
I am a good candidate for this loan because..I don't borrow money
unless it is necessary and I can be sure that I can repay without
any penalty. Since I promised my grandson that I would help
him with his wedding, I plan to follow through..
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.84% |
Borrower rate/APR:
| 26.84% / 29.46% |
Monthly payment:
| $152.20 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.20% | | |
| |
Estimated return*:
| 14.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| 77% |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 13
/
8 | Length of status: | 5y 6m |
Amount delinquent:
| $11,782 |
Total credit lines:
| 38 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,734 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| No | | |
Screen name:
| five-star-dime4 |
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:
| 1 / 1 |
On-time:
| 6 ( 75% )
| 660-679 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 2
( 25% )
| 740-759
(Nov-2011)
|
Principal balance:
| $3,374.84 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622185
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*:
| 8.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $565.05 |
|
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):
| 6 |
First credit line:
| Mar-1990 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 780-799 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 0y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $129,349 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| interest-beaker993 |
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
Home Repairs, Debt consolidation.
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $12,500 |
Estimated loss*:
| 9.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.78% |
Monthly payment:
| $477.32 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 11.23% | | |
* 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:
| Jul-1989 |
Debt/Income ratio:
| 51% |
Credit score:
| 760-779 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 38
/
29 | Length of status: | 9y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 60 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $56,940 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| well-rounded-kindness178 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to... pay off credit card debt
My financial situation:
I am a good candidate for this loan because... I am a person who believes in paying my bills on time, first priority and need to pay off debt owed to make my life easier.
Monthly net income: $2,130.51
Monthly expenses: $2,200.00
Housing: $1,500.00
Insurance: $400 a month
Car expenses: $1050 a month
Utilities: $180.00 mo
Phone, cable, internet: $200 a month
Food, entertainment: $350 a month
Clothing, household expenses: $100
Credit cards and other loans: $950.00
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622251
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:
| $18,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $12,600 |
Estimated loss*:
| 1.49% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 5.43% |
Borrower rate/APR:
| 6.43% / 7.37% |
Monthly payment:
| $1,552.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.43% | | |
| |
Estimated return*:
| 3.94% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 840-859 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,999 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| No | | |
Screen name:
| JPSConway |
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
Temporary Loan for 401K loan payoff
Purpose of loan: Pay off previous employer's 401K loan and thus transfer to new employer's 401K
This loan will be used as... A temporary loan to facilitate the payoff of $18,200 401K loan so I can transfer of funds from my present 401K into a my new 401K with new employer.
My financial situation: Excellent credit and Excellent new job with a strong base and huge commission opportunity.
I am a good candidate for this loan because... This is a very temporary loan. Designed to pay off existing 401K loan and avoid having the loan be considered a distribution, thus triggering a 10% penalty and 20% tax consequence. The new retirement holder will not accept the rollover with a 401k loan attached. So it must first be paid off then funds rolled over then I can take another 401K loan for $18,000 and pay off this temporary loan
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622265
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 9.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 24.73% |
Borrower rate/APR:
| 25.73% / 28.32% |
Monthly payment:
| $238.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.12% | | |
| |
Estimated return*:
| 14.87% | | |
* 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:
| Feb-1995 |
Debt/Income ratio:
| 18% |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,074 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| transaction-orb5 |
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
Debit Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622277
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*:
| 16.25% | | |
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:
| Feb-1988 |
Debt/Income ratio:
| 29% |
Credit score:
| 680-699 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 15y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Flight Attendant |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,074 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| tough-funds0 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Medical Expenses and Car Repair
Purpose of loan:
This loan will be used to...pay for an unexpected car bill and some medical expenses in which I was off of work for 9 months.
My financial situation:
I am a good candidate for this loan because...in Oct or Nov I will be receiving a settlement in the amount of $21,000.00 due to my injury and I will pay this off at that 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
622299
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 3.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 15.83% |
Monthly payment:
| $168.45 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.95% | | |
| |
Estimated return*:
| 7.96% | | |
* 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-1994 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,397 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| alliancecapital1 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 28 ( 90% )
| 720-739 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 3
( 10% )
| 720-739
(Dec-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 31 | | |
Description
Small Business Startup
Purpose of loan:
This loan will be used to...
Fund inventory purchase and operating cost for a small retail hobby shop.
My financial situation:
I am a good candidate for this loan because...
This loan is just for the inventory and monthly operating costs for a small retail hobby shop. The retail space is already leased all deposits are paid and build out is almost complete. This loan is not nessecary to proceed with the opening, but if possible I would like to keep the cushion in the bank.
This is my second loan from prosper the first was 5 years ago and paid off on time. I have been an active prosper lender for over 4 years.
My personal finances are in the bank for the next 6 months - I was downsized out of my last postion that I had for 5 years due to budget cuts but I currently subcontract to my old employer on a regular basis and will be doing so on a part time basis for the forseeable future.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622337
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:
| $3,500 |
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:
| May-1983 |
Debt/Income ratio:
| 7% |
Credit score:
| 760-779 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 22y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $71 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| pony378 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622373
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*:
| 10.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 22.24% |
Borrower rate/APR:
| 23.24% / 27.06% |
Monthly payment:
| $233.01 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.70% | | |
| |
Estimated return*:
| 11.45% | | |
* 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:
| Jun-1981 |
Debt/Income ratio:
| 16% |
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
14 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 56 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $106,977 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| brightest-bill-assembler |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Aug-2011)
|
Principal balance:
| $4,618.98 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off high interest debts and improve monthly expenses (budget)
My financial situation:
I am a good candidate for this loan because...I have been employed in the same industry for 35 years and with the current company for two years in a highly strategic sales position. We have been consolidating and paying down debt for the past few years and are continuing to do so.
Monthly net income: $9000
Monthly expenses: $
Housing: $4500
Insurance: $400
Car expenses: $240
Utilities: $500
Phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $500
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622567
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 6.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.74% |
Borrower rate/APR:
| 17.74% / 21.43% |
Monthly payment:
| $144.09 |
|
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):
| 7 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 12% |
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 5y 4m |
Amount delinquent:
| $397 |
Total credit lines:
| 12 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $616 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 56% | | |
| |
Homeownership:
| No | | |
Screen name:
| ITworker77 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Mar-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Improve credit
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2,692
Monthly expenses: $1640approx
Housing: $530
Insurance: $197
Car expenses: $303
Utilities: $0
Phone, cable, internet: $110
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 6.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.18% |
Borrower rate/APR:
| 22.18% / 24.68% |
Monthly payment:
| $415.82 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.68% | | |
| |
Estimated return*:
| 14.19% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 8y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,160 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| |
Homeownership:
| No | | |
Screen name:
| abundant-exchange |
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% )
| 660-679 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Nov-2011)
640-659
(Nov-2010)
700-719
(Oct-2010)
680-699
(Sep-2010)
|
Principal balance:
| $3,486.56 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
DEBT CONSOLIDATION
Purpose of loan:
This loan will be used to consolidate several debts that I have into one simple payment.
My financial situation:
I am a good candidate for this loan because I am a successful Entrepreneur who is running a Management consulting company for the last 8 years and is doing very well.
Monthly net income: $4800
Total Monthly expenses: $380
Housing: $0 live w/relatives
Insurance: $50
Car expenses: $80 {I own my car outright this is for gas per month}
Utilities: $0 live w/relatives.
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $25
Credit cards and other loans: $200 {minimum payment on loans I have}
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 8.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.98% |
Borrower rate/APR:
| 24.98% / 27.55% |
Monthly payment:
| $205.38 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.41% | | |
| |
Estimated return*:
| 14.92% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 6% |
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 7y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Tradesman - Carpent... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| benefit-jamboree |
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
Truck loan
Purpose of loan:
I am a carpenter and haul my tools from job to job. My current truck is aging and I need to replace it!
My financial situation:
I have resolved my past credit balances. Unfortunately, those balances created some turmoil in my credit history. Traditional lending sources will not finance my lending requests.
Monthly net income: $2000-2600
Monthly expenses: $
Housing: $1232.49
Insurance: $escrow
Car expenses: $80/insurance
Utilities: $289
Phone, cable, internet: $249
Food, entertainment: $100
Clothing, household expenses: $25
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
622735
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*:
| 8.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $301.36 |
|
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:
| Oct-2000 |
Debt/Income ratio:
| 18% |
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 14y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,939 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| No | | |
Screen name:
| kind-consummate-market |
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
hearing aid
No description is available.
Information in the Description is not verified.