Listing Report:Supplement No. 52 dated Aug 16, 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
605749
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):
| 3 |
First credit line:
| May-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Aug-2012) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 22y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $804 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 25 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| well-rounded-exchange467 |
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
Purchase business equipment
Purpose of loan:
This loan will be used to...to improve and repair current equipment, or purchase new equipment
My financial situation:
I am a good candidate for this loan because...our business sales have increased this year, partly due to a new service we are providing. With better equipment, we can improve our image on the job and do the work quicker with more efficiency.
Monthly net income: $ 3000.
Monthly expenses: $ 300.
Housing: $ 0
Insurance: $ 50
Car expenses: $ 0
Utilities: $ 135.
Phone, cable, internet: $ 70.
Food, entertainment: $ 400.
Clothing, household expenses: $ 200.
Credit cards and other loans: $50.
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
619701
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):
| 6 |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
17 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $31,647 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| diversification-orca |
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
Travel expenses
Purpose of loan:
This loan will be used to...
Travel
My financial situation: good
I am a good candidate for this loan because...
I have a stable retirement income
Monthly net income: $3200.00
Monthly expenses: $
Housing: $555.00
Insurance: $130.00
Car expenses: $
Utilities: $45.00
Phone, cable, internet: $125.00
Food, entertainment: $ ?
Clothing, household expenses: $ ?
Credit cards and other loans: $700.00
Other expenses: $ ?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
623569
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,000 |
Estimated loss*:
| 16.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 30y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,881 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| new-dime-empire |
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
Consolidate some debt
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624117
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*:
| 10.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 26.47% |
Borrower rate/APR:
| 27.47% / 30.11% |
Monthly payment:
| $246.53 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.81% | | |
| |
Estimated return*:
| 15.06% | | |
* 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:
| Nov-2001 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 4y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,149 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| 168RichCapital |
Borrower's state:
| Florida |
Borrower's group:
| LendersClub |
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:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Aug-2011)
|
|
Principal balance:
| $1,724.76 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
LENDER Consolidation&EmergencyFunds
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624737
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 0.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 6.24% |
Borrower rate/APR:
| 7.24% / 8.58% |
Monthly payment:
| $247.90 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.24% | | |
| |
Estimated return*:
| 5.50% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1986 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 800-819 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 12y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,830 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| jts1969 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 22 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $14,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Mar-2011)
760-779
(Aug-2009)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Down Payment Assistance
Purpose of loan:
This loan will be used to a relative's down payment for the purchase of a condo. The higher down payment will allow him to obtain a significantly lower interest rate.
My financial situation:
I am a good candidate for this loan because I am employed full-time as a physician. I will be able to pay this loan off early, likely within a year. I have had two prior Prosper loans, both paid off early.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624797
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,500 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.98% |
Borrower rate/APR:
| 24.98% / 27.55% |
Monthly payment:
| $190.71 |
| |
|
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:
| Jul-1984 |
Debt/Income ratio:
| 45% |
|
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 9y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 54 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,499 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| AJAXN403 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...Lower my monthly obligations so that early next year I can quallify for enough of a loan to buy a decent house, for the first time by myself!!!
My financial situation:
I am a good candidate for this loan because...
I am a person of integrity. I pay my bills...ON TIME! I have been in my line of work for 25 years and I am dedicated to my commitment to my employer just like I will be to repayment of this loan.
Monthly net income: $1803
Monthly expenses: $
Housing: $650
Insurance: $
Car expenses: $148
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
624851
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*:
| 14.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.69% |
Borrower rate/APR:
| 29.69% / 33.67% |
Monthly payment:
| $84.56 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.38% | | |
| |
Estimated return*:
| 12.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Jun-2004 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 680-699 (Aug-2012) |
Inquiries last 6m:
| 10 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
2 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| commerce-sleuth8 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 3 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Oct-2011)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 3 | | |
Description
Help pay in-laws bills
Purpose of loan:
This loan will be used to...
Help pay father in laws mortgage which I can't afford all of until next moth and by that time it will be too late
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624905
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,050 |
Estimated loss*:
| 9.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 24.73% |
Borrower rate/APR:
| 25.73% / 28.32% |
Monthly payment:
| $342.48 |
| |
|
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:
| Jul-1998 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Aug-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 19y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $596 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bright-gold4 |
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 Expenses
Purpose of loan:
This loan will be used to...to purchase home furniture, blinds etc
My financial situation:
I am a good candidate for this loan because...i have rebuilt my credit and I want a new chance to start over. I have been at my job 19 years.
Monthly net income: $7200.00
Monthly expenses: $474.00
Housing: $1656.00
Insurance: $411.00
Car expenses: $474.00
Utilities: $250.00
Phone, cable, internet: $155.00
Food, entertainment: $425.00
Clothing, household expenses: $100.00
Credit cards and other loans: $75.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 9.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 24.73% |
Borrower rate/APR:
| 25.73% / 28.32% |
Monthly payment:
| $297.81 |
| |
|
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-1983 |
Debt/Income ratio:
| 112% |
|
Credit score:
| 760-779 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 31
/
30 | Length of status: | 14y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 58 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $56,522 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| best-payment-assembler |
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
debt consolidation
Purpose of loan:
This loan will be used to...debt consolidation
My financial situation I am currently disabled and would like to consolidate my credit card debt to make one payment per month
Monthly net income: 8126.40
Monthly expenses: $1000
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: 375.00
Clothing, household expenses: 100.00
Credit cards and other loans: $12000.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 9.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 21.59% |
Borrower rate/APR:
| 22.59% / 26.40% |
Monthly payment:
| $76.99 |
| |
|
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):
| 6 |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 620-639 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
7 | Length of status: | 8y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,148 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 6% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| buddha68 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 16 ( 73% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,836.00 | < 31 days late:
| 6
( 27% )
| 660-679
(Nov-2011)
660-679
(Aug-2010)
540-559
(Nov-2007)
|
|
Principal balance:
| $4,308.32 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Medical Bill
Purpose of loan:
This loan will be used to pay medical bill.
My financial situation:
I am a good candidate for this loan because I have a current loan in good standing with Prosper and have successfully paid off a previous loan with Prosper. Thanks!
Monthly net income: $ 2678
Monthly expenses: $
Housing: $ 1300
Insurance: $ 80.00
Car expenses: No car payment. Just gasoline: 20 per day
Utilities: $ 200
Phone, cable, internet: $ 70
Food, entertainment: $ 100
Clothing, household expenses: $
Credit cards and other loans: $ 600 credit cards
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625035
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,000 |
Estimated loss*:
| 3.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 15.83% |
Monthly payment:
| $303.20 |
| |
|
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):
| 8 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 740-759 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,887 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| unassuming-trade2 |
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 a high interest credit card
Purpose of loan:
This loan will be used to...pay off a high interest credit card
My financial situation: good
I am a good candidate for this loan because...
I have a long history of making payments on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625083
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.79% |
Borrower rate/APR:
| 12.79% / 18.53% |
Monthly payment:
| $535.31 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.60% | | |
| |
Estimated return*:
| 5.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-2001 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 680-699 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,607 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dough-castanets7 |
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
Finalizing our wonderful wedding!
Purpose of loan:
We are lucky that we've been able to fund our wedding mostly by ourselves. This small loan will help us in finalizing our wedding costs with peace of mind.
My financial situation:
I am a great candidate for this loan. I work full time, have a great income stream with low monthly expenses, and I am never late with my monthly payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625213
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $11,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.67% |
Borrower rate/APR:
| 28.67% / 31.34% |
Monthly payment:
| $346.95 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.98% | | |
| |
Estimated return*:
| 15.23% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-2004 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,518 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| creative-auction1 |
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
starting a new business
Purpose of loan: start a new business
This loan will be used to...get a certification to start a new business venture in real estate investing
My financial situation:
I am a good candidate for this loan because...I have great credit and don't have many negative accounts on my credit report
Monthly net income: $4500
Monthly expenses: $
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625237
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:
| 36 months | | | | |
|
|
Lender yield:
| 22.24% |
Borrower rate/APR:
| 23.24% / 27.06% |
Monthly payment:
| $194.17 |
| |
|
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):
| 6 |
First credit line:
| Apr-2008 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,901 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| golden-interest972 |
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...
I have several credit card debts, that I wish to consolidate into a single loan, with one single payment. Presently I pay around $250 a month for my credit cards, I pay more then just the minimum, I would like to consolidate the payments into one loan payment which will allow me to get rid of in three years.
My financial situation:
I am a good candidate for this loan because...
I have a credit score of 720, I have never missed a payment. I more then able to pay the $250 dollars a month for the loan, further I will finish my Master's degree by next June which will allow me to get a even higher paying job then I have presently.
Monthly net income: $ 3000
Monthly expenses: $ 500
Housing: $ 700
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 0
Phone, cable, internet: $ 100
Food, entertainment: $ 100
Clothing, household expenses: $ 100
Credit cards and other loans: $ 100
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625243
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.79% |
Borrower rate/APR:
| 16.79% / 20.46% |
Monthly payment:
| $462.13 |
| |
|
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:
| May-1978 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 740-759 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
9 | Length of status: | 5y 8m |
|
Amount delinquent:
| $111 |
Total credit lines:
| 37 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,214 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| riveting-rupee582 |
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
Restaurant expansion and remodel
Purpose of loan:
This loan will be used to...expand my restaurant and pay for an outdoor cafe permit
My financial situation:
I am a good candidate for this loan because...steady income, and my wife and i own two businesses.
Monthly net income: $12,000
Monthly expenses: $
Housing: $3500
Insurance: $200
Car expenses: $0
Utilities: $180
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625315
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 0.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 6.49% |
Borrower rate/APR:
| 7.49% / 8.83% |
Monthly payment:
| $77.75 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.49% | | |
| |
Estimated return*:
| 5.50% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| May-1990 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 840-859 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 54 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,407 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dough-waterfall6 |
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 loan
Purpose of loan:
This loan will be used to...
perform repairs on my home
My financial situation:
I am a good candidate for this loan because...
I have a very good credit history and I work for the government
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 12.64% |
Borrower rate/APR:
| 13.64% / 15.94% |
Monthly payment:
| $577.05 |
| |
|
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:
| Jun-2006 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 760-779 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,390 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| wedding2012 |
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
Wedding Loan
Purpose of loan:
This loan will be used to payoff wedding bills
My financial situation:
I am a good candidate for this loan because i have worked for 7yrs, been promoted every yr and have a stable job and high income
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625345
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 9.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.32% |
Borrower rate/APR:
| 26.32% / 28.93% |
Monthly payment:
| $195.85 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.69% | | |
| |
Estimated return*:
| 14.94% | | |
* 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):
| 4 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $82,297 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dedication-gravity |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2010)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
Tax Liability
Purpose of loan: Federal Tax
This loan will be used to...Pay Taxes
My financial situation:
I am a good candidate for this loan because...I have a high income and have had a prior loan from proper and paid in full, never had a late payment (on any debt).
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
625399
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):
| 1 |
First credit line:
| Jun-1978 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
14 | Length of status: | 11y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 58 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,814 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| top-smart-gold |
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:
| 1 / 2 |
On-time:
| 3 ( 7% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 42
( 93% )
| 620-639
(May-2011)
660-679
(Dec-2009)
|
|
Principal balance:
| $3,004.10 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 45 | | |
Description
Home Improvement Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625417
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:
| $4,000 |
Estimated loss*:
| 8.74% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 15.16% |
Borrower rate/APR:
| 16.16% / 23.96% |
Monthly payment:
| $363.23 |
| |
|
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:
| Aug-2007 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 12y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $100 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| helpful-wealth090 |
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
A Much Needed Family Vacation
Purpose of loan:
This loan will be used to...Road trip expenses: Gas, Food, Lodging, Entrance fees to Museums, Amusement Parks, National Parks and River/Lakes...
My financial situation:
I am a good candidate for this loan because...I have a steady job, working one job for 12 straight years I take work very seriously plus i'm very responsible with my loans ex. financed a car in 2007 from the local dealer never missing a payment or late payments plus proudly can say that i accomplished this through the 2008 nationwide recession and just made my last payment in July of 2012...There are three things in life i don't take chances or neglect for anything: my family, my work and my loans.
Monthly net income: $2000
Monthly expenses: $1250
Housing: $700
Insurance: $89
Car expenses: $0
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625435
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:
| 36 months | | | | |
|
|
Lender yield:
| 28.09% |
Borrower rate/APR:
| 29.09% / 33.05% |
Monthly payment:
| $167.82 |
| |
|
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:
| Jun-1989 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $13,441 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| income-enrichment3 |
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
home improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
620340
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:
| Feb-1994 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 680-699 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 22y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,903 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| revenue-cargo4 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
business inventory
Purpose of loan:
This loan will be used to...tool inventory for our moblr tool business
My financial situation:
I am a good candidate for this loan because...i am stable and am purchasing goods to increase my income
Monthly net income: $7000.
Monthly expenses: $1500.
Housing: $1453.00
Insurance: $100.
Car expenses: $490
Utilities: $240.
Phone, cable, internet: $150.
Food, entertainment: $600.
Clothing, household expenses: $300.
Credit cards and other loans: $200.
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
623718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 16.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $130.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.21% | | |
* 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:
| Oct-1999 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,009 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| self-reliant-greenback8 |
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
Stable meets unexpected expense...
Purpose of loan:
This loan will be used to... pay emergency vet bills
My financial situation:
I am a good candidate for this loan because... I am salaried management in a stable company.
Monthly net income: $4000
Monthly expenses: $3000
Housing: $750
Insurance: 175
Car expenses: $525
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
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:
| $557.12 |
| |
|
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:
| Dec-2001 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 7y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,436 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bazaar-sorcerer128 |
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
Refinacing Loan
Purpose of loan: To consolidate some debt and reduce my monthly payments from $650 to the $534+ you quoted
This loan will be used to...pay off 4 much higher interset credit cards
I am a good candidate for this loan because...I have a good work record, good payment record with all of my accounts, but want to reduce interest payments and have a specific pay off time frame.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 16.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $130.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-759 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
9 | Length of status: | 2y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $39,340 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| moola-squirrel521 |
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
Funds for auto repair
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...my current residence is listed on the market for sale with an estimated sales period within 6 months and we have $115,000 equity in our home. This loan will be paid off in full when our home is sold. The monthly payment for this loan can be auto drafted from my personal checking account with plans to pay it off early with no prepayment penalty.
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
624504
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:
| May-2002 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 5y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,228 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| enchanted-leverage9 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvements
Purpose of loan:
This loan will be used to...fix plumbing in the bathrooms
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624710
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:
| $14,700.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,290 |
Estimated loss*:
| 7.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.19% |
Borrower rate/APR:
| 20.19% / 23.94% |
Monthly payment:
| $547.73 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.74% | | |
| |
Estimated return*:
| 10.75% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,587 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| TomTom |
Borrower's state:
| DistrictOfColumbia |
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
Consolidating Loans
My parents declared bankruptcy about a year ago, and are in arrears for about $6,000 on their home mortgage. If that is not paid soon, their house will be foreclosed upon, causing them to lose >$100k in home equity.
The rest of the loan proceeds will be used to help pay off their bankruptcy plan, which will increase their cash flow enough so that they can pay their mortgage regularly.
I am an upwardly mobile professional, and although my financial situation isn't perfect, there are a few reasons that my credit score and cash flow will improve in the near future:
I will soon receive repayment of money I loaned to my brother that I advanced him for college - there was a technical issue with his financial aid application.
Early next year I will pay off my car. I will also finish paying off a loan on my 401k.
I also have exceptional job security - I work for the federal government and have career tenure.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624814
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,050 |
Estimated loss*:
| 11.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.04% |
Borrower rate/APR:
| 28.04% / 30.70% |
Monthly payment:
| $358.34 |
| |
|
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-1996 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 10y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,651 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| equitable-transparency2 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Purpose of loan:
This loan will be used to take care of necessary improvements to home I am purchasing with cash.
My financial situation:
I am a good candidate for this loan because I have never missed a payment or been delinquent in 18 years of credit history.
Monthly net income: $4,000
Housing: $350
Insurance: $100
Car expenses: $800 (Payment, Insurance, Gas)
Utilities: $250
Phone, cable, internet: $130
Credit cards and other loans: $1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624864
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,000 |
Estimated loss*:
| 16.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Mar-1982 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
7 | Length of status: | 0y 3m |
|
Amount delinquent:
| $462 |
Total credit lines:
| 58 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,487 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 19 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| euro-bath0 |
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
Purpose of loan:
This loan will be used to... some repairs
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 8000
Monthly expenses: $200
Housing: $ 2231
Insurance: $ 300
Car expenses: $640
Utilities: $ 0 paid by others in houysehold
Phone, cable, internet: $ 0 paid by others in hosusehol
Food, entertainment: $ 300
Clothing, household expenses: $ 300
Credit cards and other loans: $ 350
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624930
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 0.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 6.49% |
Borrower rate/APR:
| 7.49% / 8.83% |
Monthly payment:
| $186.61 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.49% | | |
| |
Estimated return*:
| 5.50% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Mar-1996 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 800-819 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,315 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| aggresive-value4 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
house building
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624966
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $112.51 |
| |
|
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):
| 8 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 26y 0m |
|
Amount delinquent:
| $68,828 |
Total credit lines:
| 34 |
Occupation: | Bus Driver |
|
Public records last 12m / 10y:
| 1/ 2 |
Revolving credit balance:
| $3,614 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 56% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| equilibrato |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jun-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
this loan will be used to pay off high interest rate credit cards and to close those credit card accounts . I am a good candidate for this loan because my annual income is projected to be 80 thousand or more and i paid off my prior prosper loan without being late on any payment . I have a great loan history with prosper
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624972
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:
| $7,000 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.24% |
Borrower rate/APR:
| 21.24% / 23.72% |
Monthly payment:
| $190.32 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.88% | | |
| |
Estimated return*:
| 13.89% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 720-739 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
9 | Length of status: | 10y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,066 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 17% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| healthy-diversification2 |
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
Bill Consolidation
Purpose of loan:
This loan will be used to...Consolidate my bills
My financial situation:
I am a good candidate for this loan because...I have steady employment. I've been working as a medical biller for 10yrs.
Monthly net income: $2000
Monthly expenses: $
Housing: $750
Insurance: $
Car expenses: $
Utilities: $100
Phone, cable, internet: $
Food, entertainment: $0
Clothing, household expenses: $200
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.24% |
Borrower rate/APR:
| 21.24% / 23.72% |
Monthly payment:
| $271.89 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.88% | | |
| |
Estimated return*:
| 13.89% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 6y 2m |
|
Amount delinquent:
| $245 |
Total credit lines:
| 14 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,345 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| auction-accruer9 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
NB Comm Business Plan
Purpose of loan: get NB Comm name out there
This loan will be used to...advertise and live
My financial situation: low
I am a good candidate for this loan because... I have a thriving business opp in this area
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
625014
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $12,250 |
Estimated loss*:
| 3.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 15.19% |
Borrower rate/APR:
| 16.19% / 18.55% |
Monthly payment:
| $427.33 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.13% | | |
| |
Estimated return*:
| 11.64% | | |
* 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-1995 |
Debt/Income ratio:
| 17% |
|
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: | 22y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,187 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| 12workhard |
Borrower's state:
| Washington |
Borrower's group:
| Brighter Financial Future |
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 / 5 |
On-time:
| 94 ( 97% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $18,650.00 | < 31 days late:
| 3
( 3% )
| 700-719
(Nov-2011)
640-659
(Jun-2010)
640-659
(Sep-2008)
600-619
(Sep-2007)
|
|
Principal balance:
| $5,852.93 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 97 | | |
Description
pay truck off and IRS
Purpose of loan:
This loan will be used to...
To pay my truck off and pay off IRS...
My financial situation:
I am a good person who pays his bills. With this loan I can pay less then what my current truck payment is..
I am a good candidate for this loan because...
I will not let anyone one as I have had 4 prosper loans and never missed a paynent. Only thing was recently my son who is Jr. And me being Sr. had issues at the bank but that was fixed when I moved it to another bank. Thank and I appreciate your support. I feel we are a good team as I pay my bills...thanks again lenders for your support.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.67% |
Borrower rate/APR:
| 28.67% / 31.34% |
Monthly payment:
| $126.17 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.98% | | |
| |
Estimated return*:
| 15.23% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 640-659 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 27y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,360 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| red-trade-missile |
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
loan consoladation
Purpose of loan:
This loan will be used to...pay some debt
My financial situation:
I am a good candidate for this loan because...i can make the payments
Monthly net income:0Housing: $
Insurance: $320.00yearly
Car expenses: $267.23Utilities: $100.00
Phone, cable, internet: $142.00
Food, entertainment: $60.00
Clothing, household expenses: $
Credit cards and other loans: $316.00a month
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625222
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.79% |
Borrower rate/APR:
| 16.79% / 20.46% |
Monthly payment:
| $284.39 |
| |
|
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:
| Mar-1996 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-759 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 11y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,398 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-peace-sage |
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
For medical surgery
Purpose of loan: Medical surgery
This loan will be used to...
For weight loss surgery with Dr. Ariel Ortiz.
My financial situation:
I am a good candidate for this loan because... I always pay my bills
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625300
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 9.75% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 16.39% |
Borrower rate/APR:
| 17.39% / 25.21% |
Monthly payment:
| $182.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.01% | | |
| |
Estimated return*:
| 6.26% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Feb-1989 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 15y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,098 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| exact-funds4 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home repairs
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625360
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 9.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 21.59% |
Borrower rate/APR:
| 22.59% / 26.40% |
Monthly payment:
| $96.24 |
| |
|
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):
| 6 |
First credit line:
| Jul-2007 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 620-639 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
4 |
Occupation: | Clerical |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 | Stated income: | $1-$24,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,949 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unrivaled-hope0 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 20 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jun-2010)
|
|
Principal balance:
| $0.15 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625396
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):
| 8 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 740-759 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 22y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,947 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| courageous-duty1 |
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
monthly expenses
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625450
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:
| 60 months | | | | |
|
|
Lender yield:
| 23.98% |
Borrower rate/APR:
| 24.98% / 27.55% |
Monthly payment:
| $440.09 |
| |
|
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:
| Jul-1974 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 760-779 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,981 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| RDTTrucking |
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
Equipment Purchase for expansion
Purpose of loan: To aquire a car trailor to add to our fleet of trucks to continue expanding
This loan will be used to...aquire a 7 car trailor that will add to our fleet
My financial situation:
I am a good candidate for this loan because...our trucking company is already grossing approximately 25k a month and adding this trailor will generate another 16k to 24k a month with a net of approximately 4k-8k profit! The business will pay off the loan within 18 months or less!
Monthly net income: $3890
Monthly expenses: $2415
Housing: $ 880
Insurance: $
Car expenses: $ 150
Utilities: $ 250
Phone, cable, internet: $ 150
Food, entertainment: $ 500
Clothing, household expenses: $
Credit cards and other loans: $ 285
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625462
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:
| Jun-1981 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
6 | Length of status: | 6y 5m |
|
Amount delinquent:
| $3,776 |
Total credit lines:
| 29 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $63 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ore-saffron4 |
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
Home Improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $5000
Monthly expenses: $
Housing: $933
Insurance: $
Car expenses: $230
Utilities: $
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625468
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 3.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 16.28% |
Borrower rate/APR:
| 17.28% / 19.66% |
Monthly payment:
| $100.01 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.21% | | |
| |
Estimated return*:
| 12.22% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 7y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,994 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 47 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| newest-trustworthy-pound |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Dec-2011)
|
|
Principal balance:
| $9,450.42 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Dental
Purpose of loan:
This loan will be used to pay for dental work needed but not covered by my insurance.
My financial situation:
I am a good candidate for this loan because I have a long history with prosper of paying on time and will continue to do so.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
625474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 19.65% |
Monthly payment:
| $351.52 |
| |
|
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):
| 9 |
First credit line:
| Nov-1992 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 680-699 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 4 |
Current / open credit lines:
| 2
/
2 | Length of status: | 7y 2m |
|
Amount delinquent:
| $23,984 |
Total credit lines:
| 21 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $197 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 25 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| versatile-note947 |
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
bill consolidation
Purpose of loan:
This loan will be used to consolidate some bills, medical, car repair, home repairs
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 7080.00
Monthly expenses: $
Housing: $1835.00
Insurance: $126.00
Car expenses: $
Utilities: $350.00
Phone, cable, internet: $100.00
Food, entertainment: $300.00
Clothing, household expenses: $200.00
Credit cards and other loans: $100.00
Other expenses: $
Information in the Description is not verified.