Listing Report:Supplement No. 24 dated Oct 19, 2012 to Prospectus dated Oct 05, 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 Oct 05, 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 Oct 05, 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
611460
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $20,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 11.49% |
Borrower rate/APR:
| 12.49% / 15.32% |
Monthly payment:
| $668.98 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.02% | | |
| |
Estimated return*:
| 7.28% | | |
* 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-1995 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
19 | Length of status: | 14y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $76,556 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dedication-carnival2 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 85% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 2
( 15% )
| 720-739
(Sep-2011)
|
|
Principal balance:
| $3,430.36 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off multiple credit cards.
My financial situation:
I am a good candidate for this loan because I am a responsible borrower with an MBA degree. I have a stable job that I have been in for 14+ years. I have been in the same home for 12 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
649686
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $18,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 18.39% |
Borrower rate/APR:
| 19.39% / 21.82% |
Monthly payment:
| $483.88 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.39% | | |
| |
Estimated return*:
| 11.90% | | |
* 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-2005 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 740-759 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,399 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| first-asset-caballero |
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
Debt consolidation
Purpose of loan:
This loan will be used to pay off credit cards.
My financial situation:
I am a good candidate for this loan because I am earning enough money to pay off the loan as I have selected it.
Monthly net income: 7648 $
Monthly expenses: 6997 $
Housing: 1671 $
Insurance: 1767$
Car expenses: 430$
Utilities: 550 $
Phone, cable, internet: 380 $
Food, entertainment: 800 $
Clothing, household expenses: 200 $
Credit cards and other loans: 733 $
Other expenses: 300 $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
650534
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.75% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* 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):
| 4 |
First credit line:
| Nov-1983 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,107 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bold-mindful-exchange |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
653638
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:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $482.18 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.49% | | |
| |
Estimated return*:
| 6.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 800-819 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 28y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,149 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| elmochance12 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656158
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:
| $14,581.71 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.24% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 19.81% |
Borrower rate/APR:
| 20.81% / 23.28% |
Monthly payment:
| $392.93 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.63% | | |
| |
Estimated return*:
| 12.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 55% |
|
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 23y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $44,899 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| special-responsibility9 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 20 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $27,300.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2011)
760-779
(Mar-2011)
|
|
Principal balance:
| $9,918.29 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
656184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 7.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 22.33% |
Borrower rate/APR:
| 23.33% / 25.86% |
Monthly payment:
| $283.80 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.76% | | |
| |
Estimated return*:
| 12.77% | | |
* 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-2003 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,518 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| leverage-shrubbery |
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
Auto
Purpose of loan: Auto
This loan will be used to...
Purchase a New Car
My financial situation:
I am a good candidate for this loan because...
High Income/Good Credit
Monthly net income: $12,000/20,000
Monthly expenses: $5000
Housing: $1500
Insurance: $400
Car expenses: $265
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656432
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.74% |
Borrower rate/APR:
| 17.74% / 21.43% |
Monthly payment:
| $216.13 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.71% | | |
| |
Estimated return*:
| 9.22% | | |
* 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):
| 8 |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 8y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,667 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blue-nimble-return |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:Home inprovment
This loan will be used to...repair rantal
My financial situation:
I am a good candidate for this loan because...Stesdy empolyment history, we pay our bills
Monthly net income: $4419
Monthly expenses: $
Housing: $1250
Insurance: $172
Car expenses: $319
Utilities: $185
Phone, cable, internet: $190
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 10.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.46% |
Borrower rate/APR:
| 23.46% / 27.29% |
Monthly payment:
| $233.70 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.64% | | |
| |
Estimated return*:
| 10.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1985 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 620-639 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,485 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| steeler4991 |
Borrower's state:
| Florida |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 22 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $17,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2011)
680-699
(Nov-2010)
640-659
(Apr-2007)
640-659
(Mar-2007)
|
|
Principal balance:
| $10,185.43 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Auto
Purpose of loan:
This loan will be used to...Purchase a used Auto
My financial situation:
I am a good candidate for this loan because...I am honest. I have paid off one loan and now am now am current with existing prosper loan.
Monthly net income: $3300
Monthly expenses: $1835- total
Housing: $450
Insurance: $150
Car expenses: $ 150
Utilities: $ 0
Phone, cable, internet: $50
Food, entertainment: $350
Clothing, household expenses: $50
Credit cards and other loans: $685
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656456
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 30.65% |
Borrower rate/APR:
| 31.65% / 34.41% |
Monthly payment:
| $100.12 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.88% | | |
| |
Estimated return*:
| 13.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 600-619 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,640 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| awe-inspiring-return2 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 23 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(May-2010)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3200
Monthly expenses: 1700
Housing: $800
Insurance: $200
Car expenses: $0
Utilities: $100
Phone, cable, internet: $45
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656504
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.25% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jul-2003 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,544 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 108% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| vbeach31 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...debt consolidation
My financial situation:
I am a good candidate for this loan because I am on the right track in fixing my finances, just need a little more assistance. Also, I have the money to cover the loan
Monthly net income: $ 3000
Monthly expenses: $
Housing: $ 760 rent
Insurance: $0
Car expenses: $ 40 week gas
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100 week
Clothing, household expenses: $ 100 bi weekly
Credit cards and other loans: $ 500 month
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656588
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $20,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.53% |
Borrower rate/APR:
| 21.53% / 24.02% |
Monthly payment:
| $547.05 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.24% | | |
| |
Estimated return*:
| 12.50% | | |
* 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):
| 7 |
First credit line:
| Feb-2002 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 15y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,699 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| soulful-peace857 |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Debt consolidation
My financial situation:
I am a good candidate for this loan because...I have a secure job with a good future. I can be depended on to repay this loan as I promised.
Monthly net income: $3,588.59
Monthly expenses: Housing: $ 997.00
Insurance: $ 84.00
Car expenses: $ 369.00
Utilities: $ 220.00
Phone, cable, internet: $ 120.00
Food, entertainment: $ 350.00
Clothing, household expenses: $ 200.00
Credit cards and other loans: $ 150.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 2.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 11.23% |
Borrower rate/APR:
| 12.23% / 14.49% |
Monthly payment:
| $111.80 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.91% | | |
| |
Estimated return*:
| 8.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jun-1980 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 6 |
Current / open credit lines:
| 1
/
1 | Length of status: | 24y 6m |
|
Amount delinquent:
| $103,884 |
Total credit lines:
| 47 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $23 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Barrhntr |
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
Auto
Purpose of loan: Auto
This loan will be used to help purchase a used vehicle.
My financial situation: Good
I am a good candidate for this loan because I have a stable job which I have been on for 24+ years. I have recently been promoted into supervision at work with a pay increase. I have $4000.00 of my own money to use as a down payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 22.98% |
Borrower rate/APR:
| 23.98% / 26.53% |
Monthly payment:
| $143.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.30% | | |
| |
Estimated return*:
| 12.81% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 14y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,458 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| favorite-penny7 |
Borrower's state:
| Alaska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay down debt
My financial situation: just PCSed (military move) from Alaska and need to have lower monthly debt payments due to spouse looking for employment in our new location
I am a good candidate for this loan because...I have steady income
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
656706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.75% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* 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):
| 4 |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 6y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,974 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| economy-orca0 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656724
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 7.24% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 21.26% |
Borrower rate/APR:
| 22.26% / 24.76% |
Monthly payment:
| $416.50 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.86% | | |
| |
Estimated return*:
| 12.62% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 35y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,689 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lotus083298 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation and dental misc
Purpose of loan:
This loan will be used to...debt consolidation and dental
My financial situation:
I am a good candidate for this loan because...monthly payments made on time
Monthly net income: 4500
Monthly expenses: $3085
Housing: $920
Insurance: $200
Car expenses: $445
Utilities: $300
Phone, cable, internet: $120
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
656748
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $113.01 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.52% | | |
| |
Estimated return*:
| 10.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Apr-1997 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 9y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| vendaltis |
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
Auto Repairs
Purpose of loan:
This loan will be used to...make non-cosmetic repairs to my daily driver.
My financial situation:
I am a good candidate for this loan because...low debt to income ratio.
Monthly net income: $2360
Monthly expenses: $515
Housing: $0
Insurance: $115
Car expenses: $
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $150
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 22.98% |
Borrower rate/APR:
| 23.98% / 26.53% |
Monthly payment:
| $86.27 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.30% | | |
| |
Estimated return*:
| 12.81% | | |
* 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-2001 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,532 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| flexible-yield54 |
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
Other
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2238.40
Monthly expenses:
Housing: $250.00
Insurance: 420.34
Car expenses: $100.00
Utilities: $130.00
Phone, cable, internet: $160.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $150.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.25% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-759 (Oct-2012) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worthy-peace115 |
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
Business Expansion
Purpose of loan: To reinvest in a lucrative local Retail Store
This loan will be used to expand inventory and execute a well developed marketing plan.
My financial situation:
I am a good candidate for this loan because I have several years in the retail Industry and also currently have a good exit strategy in repayment of the loan .
Monthly net income: $ 6000.00
Monthly expenses: $ 1300.00
Housing: $500
Insurance: $100
Car expenses: $
Utilities: $300
Phone, cable, internet: $400
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656832
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
|
| |
Estimated loss*:
| 8.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.24% |
Borrower rate/APR:
| 21.24% / 25.01% |
Monthly payment:
| $245.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.73% | | |
| |
Estimated return*:
| 9.99% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 760-779 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 2
/
3 | Length of status: | 1y 10m |
|
Amount delinquent:
| $3,650 |
Total credit lines:
| 14 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,626 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| pool006 |
Borrower's state:
| Alabama |
Borrower's group:
| UtopiaLoans.com - Now Over $1 Million in Closed Loans!! |
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:
| 29 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $6,700.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jan-2008)
640-659
(May-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to... consolidate debt
My financial situation:
Monthly net income: $4800
Monthly expenses:
Housing: $1495
Insurance: $100
Car expenses: $150
Utilities: $250
Phone, cable, internet: $50
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $40
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656868
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $376.70 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.52% | | |
| |
Estimated return*:
| 10.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 760-779 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 10y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| repayment-professor5 |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
656880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.25% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| May-2007 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 8y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| pious-dinero38 |
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
Debt consolidation
Purpose of loan: pay of debt and wedding
This loan will be used to... pay of my credit card and plan a wedding for my daughter
My financial situation: I just fell on rough time now and i need temp. help
Monthly net income: $ 3400
Monthly expenses: $ 2000
Housing: $ 995
Insurance: $ 75
Car expenses: $ 50
Utilities: $ 100
Phone, cable, internet: $ 100
Food, entertainment: $ 200
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
656886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 13.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 27.59% |
Borrower rate/APR:
| 28.59% / 32.54% |
Monthly payment:
| $125.05 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.12% | | |
| |
Estimated return*:
| 11.37% | | |
* 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-2003 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 640-659 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $79 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 21 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bold-melodious-camaraderi5 |
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
Other
Purpose of loan: Debt consolidation, misc. expenses
This loan will be used to pay off current installment loan for 2009 Honda CBR1000RR after I sell the bike (approx. $2k depreciation). I will then get my other bike back on the road (less than $1k after repair and registration costs) and save money by eliminating the CBR monthly payment.
My financial situation: I have a secure job (over 4 years as an Estimator), an IRA and some savings. I'm rebuilding credit after some mistakes such as financing a motorcycle in 2006 with a high interest rate and then having an accident without full coverage insurance.
I am a good candidate for this loan because I will repay early, and it has been 2 years since a negative update on my credit report. I will continue to rebuild my credit in anticipation of a home loan.
Monthly net income: $3,113
Monthly expenses: $2140 total:
Housing: $750
Insurance: $150
Car expenses: $250
Utilities: $50
Phone, cable, internet: $50
Food, entertainment: $500
Clothing, household expenses: $50
Credit cards and other loans: $240
Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $565.05 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.52% | | |
| |
Estimated return*:
| 10.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1985 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 780-799 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 2m |
|
Amount delinquent:
| $1,512 |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 55 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| generosity-boomerang844 |
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
RV
Purpose of loan:
This loan will be used to purchase a used Class A RV
My financial situation:
I am a good candidate for this loan because I have good income and have recovered from financial issues from past years. Home is back on track and control spending and have good income
Monthly net income: $8,000
Monthly expenses: $2500
Housing: $1950
Insurance: $100
Car expenses: $0.00
Utilities: $150
Phone, cable, internet: $180
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 7.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.19% |
Borrower rate/APR:
| 20.19% / 23.94% |
Monthly payment:
| $74.52 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.83% | | |
| |
Estimated return*:
| 9.84% | | |
* 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:
| Apr-1986 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 640-659 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 28y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,830 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bonafide-compassion9 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business purposes
Purpose of loan: to use for travel expenses to acquire new business
This loan will be used to...explained above
My financial situation: fair
I am a good candidate for this loan because...I always pay back my loans
Monthly net income: $ 3200
Monthly expenses: $2000
Housing: $338
Insurance: $25
Car expenses: $0
Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656988
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.75% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* 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):
| 4 |
First credit line:
| Jun-1990 |
Debt/Income ratio:
| 102% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 11y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,780 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| professional-auction81 |
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
Household Expenses
Purpose of loan: expenses
This loan will be used to...expenses
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 2,475.00
Monthly expenses: $
Housing: $890
Insurance: $275
Car expenses: $
Utilities: $50
Phone, cable, internet: $200
Food, entertainment: $150.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.75% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* 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):
| 4 |
First credit line:
| Oct-1981 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 28y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| intelligent-order652 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan: HOME IMPROVRMENT
This loan will be used to...REDO MY KITCHRN
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $5000
Monthly expenses: $3500
Housing: $1796
Insurance: $67
Car expenses: $
Utilities: $150
Phone, cable, internet: $39
Food, entertainment: $160
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657082
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
|
| |
Estimated loss*:
| 7.24% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 21.26% |
Borrower rate/APR:
| 22.26% / 24.76% |
Monthly payment:
| $180.49 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.86% | | |
| |
Estimated return*:
| 12.62% | | |
* 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:
| Jan-2003 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,885 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| open-minded-credit883 |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... consolidate my family's debt
My financial situation:
I am a good candidate for this loan because... my wife and I recently had a baby which he alone adds to expenses but I also lost my job a couple months after he was born. Thankfully, I was reemployed a couple months ago but we are still trying to catch up. We would like to be able to pay everyone off with this loan and just pay one payment on the loan every month.
Household:
Monthly net income: $ 3800.00
Monthly expenses: $ 3068.00
Housing: $ 720.00
Insurance: $ 90.00
Car expenses: $ 480.00
Average Utilities: $ 90.00
Phone, cable, internet: $ 220.00
Food, entertainment: $ 300.00
Clothing, household expenses: $ 90.00
Credit cards and other loans: $ 240.00
Other expenses - Daycare: $720.00
Other expenses - School Tuition Payment Plan per month: $118.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657148
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 22.98% |
Borrower rate/APR:
| 23.98% / 26.53% |
Monthly payment:
| $143.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.30% | | |
| |
Estimated return*:
| 12.81% | | |
* 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-1973 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 780-799 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 24
/
22 | Length of status: | 12y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 50 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $59,295 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| orange-obedient-gold |
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...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3,419.00
Monthly expenses: $1,500.00
Housing: $1,065.00
Insurance: $937.00 year
Car expenses: $254.10 Monthly
Utilities: $200.00
Phone, cable, internet: $$300.00
Food, entertainment: $ 200.00
Clothing, household expenses: $400.00
Credit cards and other loans: $800.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657184
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:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 2.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 9.89% |
Borrower rate/APR:
| 10.89% / 13.70% |
Monthly payment:
| $196.12 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.56% | | |
| |
Estimated return*:
| 6.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jun-1978 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
14 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $46,909 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| thrilling-loyalty6 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 13 ( 76% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 4
( 24% )
| 740-759
(Apr-2012)
720-739
(Mar-2011)
|
|
Principal balance:
| $3,406.16 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Debt consolidation
Purpose of loan:
Refinance existing higher interest debt with GE capital.
My financial situation:
I am a good candidate for this loan because high income, steady employment situation, strong track record with Prosper.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657208
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:
| $5,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 9.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 21.72% |
Borrower rate/APR:
| 22.72% / 26.53% |
Monthly payment:
| $212.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 10.25% | | |
* 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-2007 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 17y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,523 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| moola-triumph0 |
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:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(May-2011)
|
|
Principal balance:
| $3,013.46 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 6860
Monthly expenses: $
Housing: $1343
Insurance: $ 212
Car expenses: $367
Utilities: $410
Phone, cable, internet: $378
Food, entertainment: $100
Clothing, household expenses: $2
Credit cards and other loans: $420
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657286
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.18% |
Borrower rate/APR:
| 21.18% / 23.66% |
Monthly payment:
| $135.77 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.95% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-2002 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Religious |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,159 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| globalfreedom |
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
Business
Purpose of loan: To provide a second source of income
This loan will be used to provide humanitarian aid to missionaries and humanitarian projects in India and Sudan.
My financial situation: Great
I am a good candidate for this loan because the $5000 i use to invest is guaranteed to make itself back within 6 months.
Monthly net income: $1200
Monthly expenses: $1100
Housing: $950
Insurance: $0
Car expenses: $0
Utilities: $50
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657370
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.75% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* 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):
| 5 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 24y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $118,315 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lyrics225 |
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...
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
645829
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 30.65% |
Borrower rate/APR:
| 31.65% / 34.41% |
Monthly payment:
| $133.50 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.88% | | |
| |
Estimated return*:
| 13.63% | | |
* 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):
| 6 |
First credit line:
| Apr-2001 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 12y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,621 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sentimental-social7 |
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
Home improvement
Purpose of loan:
This loan will be used to...
for home improvement
My financial situation: stable
I am a good candidate for this loan because...Im responsible when paying back my creditors.
Monthly net income: $2400
Monthly expenses: $
Housing: $600
Insurance: $200 every other month
Car expenses: $0
Utilities: $200
Phone, cable, internet: $70
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $160
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
647187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.18% |
Borrower rate/APR:
| 21.18% / 23.66% |
Monthly payment:
| $339.43 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.95% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1998 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 16y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,413 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| commitment-canary454 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to..pay off and get rid of credit cards.
My financial situation:
I am a good candidate for this loan because..steady employment and pay extra on bills and on time.
Monthly net income: $2000
Monthly expenses: $1350
Housing: $234
Insurance: $40
Car expenses: $200
Utilities: $150
Phone, cable, internet: $125
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
648899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.75% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* 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):
| 5 |
First credit line:
| Feb-2002 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 17
/
17 | Length of status: | 0y 6m |
|
Amount delinquent:
| $1,005 |
Total credit lines:
| 41 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,629 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| foxy-p2ploan089 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt. I was hoping to get a higher loan amount to consolidate credit cards. Would like to get 15000-20000 if possible.
My financial situation:
I am a good candidate for this loan because my credit score is a 680. The reason it is lower is debt to credit ratio. If I were able to pay this credit debt down, credit rating would be much higher. I do not have a history of collection accounts or late payments. The lower rating is due to debt to credit ratio.
Monthly net income: $8333
Monthly expenses: $4500
Housing: $1500
Insurance: $120
Car expenses: $500
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $1000
Other expenses: $
700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
650003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 13.75% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 22.20% |
Borrower rate/APR:
| 23.20% / 31.13% |
Monthly payment:
| $376.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.19% | | |
| |
Estimated return*:
| 6.44% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jan-1983 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 3
/
2 | Length of status: | 22y 3m |
|
Amount delinquent:
| $145,037 |
Total credit lines:
| 20 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $1,638 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 22 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| MMD78 |
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
Bill payment
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
I can make the monthly payments and have a long employment history with an income that is more than adequate to pay back the loans. I am working a great deal, and expect to have my credit score improved and my financial situation fixed within a year.
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
653171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 11.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 26.59% |
Borrower rate/APR:
| 27.59% / 30.23% |
Monthly payment:
| $463.33 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.35% | | |
| |
Estimated return*:
| 13.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| May-1996 |
Debt/Income ratio:
| 53% |
|
Credit score:
| 740-759 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,144 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| KASBLUE7 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
653591
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 7.49% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 13.93% |
Borrower rate/APR:
| 14.93% / 22.71% |
Monthly payment:
| $721.80 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.97% | | |
| |
Estimated return*:
| 5.48% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Apr-1988 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 10y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $611 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 25 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| angel999 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
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: $0
Housing: $1600
Insurance: $100
Car expenses: $200
Utilities: $100
Phone, cable, internet: $130
Food, entertainment: $150
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
655097
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 9.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 21.72% |
Borrower rate/APR:
| 22.72% / 26.53% |
Monthly payment:
| $289.23 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 10.25% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 620-639 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 5y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 65 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,350 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| SJD427 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 64% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 4
( 36% )
| 660-679
(Sep-2011)
760-779
(Apr-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt and pay back a personal loan from a family member.
My financial situation:
I am a good candidate for this loan because I pay on time and normally pay off a head of schedule. Paying down my debt is a priority, i'm looking to simplfy by paying one place.
Monthly net income: $ 3800
Monthly expenses: $3600
Housing: $ 1200
Insurance: $100
Car expenses: $500 includes gas and insurance on average
Utilities: $ 100
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
655291
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:
| $16,976.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 2.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 11.71% |
Borrower rate/APR:
| 12.71% / 14.99% |
Monthly payment:
| $383.74 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.35% | | |
| |
Estimated return*:
| 8.61% | | |
* 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:
| Jul-1992 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 740-759 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
6 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,827 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 36% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Norbie |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 26 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $13,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Dec-2011)
660-679
(Jun-2010)
|
|
Principal balance:
| $7,735.17 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
Final phase
Purpose of loan:
Loan proceeds will go toward paying off a the remaining balances on revolving debt revolving debt assigned to me during divorce.
My financial situation:
I am a good candidate for this loan because I have a demonstrated track record for prompt payment and always pay more than the minimum payment. The debt I will be paying off is what remains from my divorce settlement. By paying this off I will be eliminating the remaining credit reporting links I have with my ex-wife.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
655337
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:
| $2,400.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $90.41 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.52% | | |
| |
Estimated return*:
| 10.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 760-779 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 8y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $64,730 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| gold-laser484 |
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
Debt consolidation
Purpose of loan: debt consolidation
This loan will be used to pay off a higher interest credit account.
My financial situation: employed full time.
I am a good candidate for this loan because I have a good job and excellent credit history. My credit report speaks for itself...never a late payment in my life!!
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
655473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 30.65% |
Borrower rate/APR:
| 31.65% / 34.41% |
Monthly payment:
| $133.50 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.88% | | |
| |
Estimated return*:
| 13.63% | | |
* 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):
| 6 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 59% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $228 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 9% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| a-unbeatable-velocity |
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
Business
Purpose of loan:
This loan will be used to assist in the start-up of a medical billing service.
My financial situation:
I am a good candidate for this loan because I prioritize my obligations in the path for success. I have been actively working on clearing up outstanding debt while creating a superb credit score. I plan on getting my business up and running, then purchase a home after I am more financially stable.
Monthly net income: $2560
Monthly expenses: $1173.32
Housing: $460.00
Insurance: $92.32
Car expenses: $571.00
Utilities: $0.00
Phone, cable, internet: $0.00
Food, entertainment: $0.00
Clothing, household expenses: $
Credit cards and other loans: $50.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656375
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.75% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* 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):
| 5 |
First credit line:
| May-1986 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 11 |
Current / open credit lines:
| 7
/
3 | Length of status: | 2y 2m |
|
Amount delinquent:
| $11,180 |
Total credit lines:
| 40 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $171 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| reinforced-exchange9 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...To pay off some medical bills
My financial situation:
I am a good candidate for this loan because...I only have a car note my Husband pay every thing else
Monthly net income: $25,00
Monthly expenses: $
Housing: $
Insurance: $300 every six month
Car expenses: $315
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
656441
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 4.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.59% |
Borrower rate/APR:
| 14.59% / 18.21% |
Monthly payment:
| $861.62 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.92% | | |
| |
Estimated return*:
| 8.18% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1982 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 23y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,269 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| active-dime1 |
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... Pay Off Higher Credit card Rates
My financial situation:
I am a good candidate for this loan because...I have never been late on a Payment.
Monthly net income: $3200
Monthly expenses: $
Housing: $456
Insurance: $200
Car expenses: $400
Utilities: $100
Phone, cable, internet: $120
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $1000
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656525
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
|
| |
Estimated loss*:
| 9.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 21.72% |
Borrower rate/APR:
| 22.72% / 26.53% |
Monthly payment:
| $154.26 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 10.25% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 640-659 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
6 | Length of status: | 20y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,376 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 29 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dw35205 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 25 ( 71% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 10
( 29% )
| 600-619
(Oct-2011)
620-639
(Jun-2008)
620-639
(Apr-2008)
|
|
Principal balance:
| $1,499.99 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off my last couple of high interest credit card balances. I will be continuing to pay them off, regardless of the outcome of this loan attempt, but would sure prefer to have a lower interest rate!
My financial situation:
I am a good candidate for this loan because...I have been employed with the same company since 1992, and dont forsee any change in that situation. I pay off my debts. I have had 2 previous Prosper Loans. One is payed off, and the other is current.
Monthly net income: $2300
Monthly expenses: $1200
Housing: $600
Insurance: $30
Car expenses: $50
Utilities: $150
Phone, cable, internet: $0
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 2.24% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 10.73% |
Borrower rate/APR:
| 11.73% / 13.98% |
Monthly payment:
| $552.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.45% | | |
| |
Estimated return*:
| 8.21% | | |
* 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):
| 8 |
First credit line:
| Jul-1991 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 780-799 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 6y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $1,533 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| tbj-jmj |
Borrower's state:
| SouthDakota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate debt
My financial situation:
I am a good candidate for this loan because... I can Afford the monthly payment
in my budget.
I have a very stable job with product which is a main staple and have
been with the same company for 6+ years.
I have paid monthly debt payments on time for years.
I plan on purchasing a home after paying down debt also.
Thank you for working with me...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656567
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:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.18% |
Borrower rate/APR:
| 21.18% / 23.66% |
Monthly payment:
| $244.39 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.95% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 6y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,852 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| phenomenal-social385 |
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
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
656573
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
|
| |
Estimated loss*:
| 10.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.24% |
Borrower rate/APR:
| 26.24% / 28.85% |
Monthly payment:
| $195.54 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.20% | | |
| |
Estimated return*:
| 12.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Dec-2000 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
15 | Length of status: | 14y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,543 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| skillful-generosity465 |
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
Vacation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.25% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 9m |
|
Amount delinquent:
| $681 |
Total credit lines:
| 25 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $447 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| priceless-note756 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to...To consolidate debts (to pay off payday loans that have been taken out) and be able to pay current month's utilities
My financial situation: is good without my current debts
I am a good candidate for this loan because...I repay all debts as quickly as I can when I have the funding to do so.
Monthly net income: $ 2000
Monthly expenses: $
Housing: $505.00
Insurance: $120.00
Car expenses: $75 (for gas)
Utilities: $100 (electricity and water bill)
Phone, cable, internet: $80
Food, entertainment: $150 a month
Clothing, household expenses: $50/month
Credit cards and other loans: $900 (all payday loans) (have no credit cards)
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656613
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.18% |
Borrower rate/APR:
| 21.18% / 23.66% |
Monthly payment:
| $190.08 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.95% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1988 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
18 | Length of status: | 23y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,033 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wingding455 |
Borrower's state:
| Mississippi |
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
Replace truck engine/other repairs
Purpose of loan:
This loan will be used to replace my truck engine and pay for other vehicle repairs.
My financial situation: ok
I am a good candidate for this loan becaue I can pay it, and because I'll be earning additional income through Medicare Advantage Sales; starting the week of 10/22/12 or 10/28/12.
Monthly net income: $9200
Monthly expenses: $8000
Housing: $2600
Insurance: $159
Car expenses: $0
Utilities: $250
Phone, cable, internet: $300
Food, entertainment: $250
Clothing, household expenses: $65
Credit cards and other loans: $1000
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656729
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
|
| |
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*:
| 14.87% | | |
| |
Estimated return*:
| 8.88% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Nov-1991 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 7y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $255 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| payout-point9 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Purpose of loan: Pay off a loan which had a unknown balloon payment after the loan was bought out by a different company
This loan will be used to...pay off a loan in collection
My financial situation: Chase
I am a good candidate for this loan because... I have been working on building my credit and was in a good spot. Until my bank was bought out and a loan was switched & terms. Did not realize that payments were not coming out anymore and the full amount was due some time ago (that is my fault for not paying attention to my account). Now my credit is damaged due to this and can not get a loan from my bank due to the 120 days late policy they have. I work hard, I jointly own a home, I hate being in debit and really need some help. I have some monies to put towards the loan but am short $13000. I plan on paying this off as quickly as possible. My full tax refund will be applied to the loan as well. My goal is to have it paid off in 18 months. Please help me get out of this mess and I promise to pay it back quickly and pay more attention to my finances in the future.
Monthly net income: $3090
Monthly expenses: 0
Housing: $784
Insurance: $0
Car expenses: $0 -company vehicle
Utilities: $210
Phone, cable, internet: $225
Food, entertainment: $150
Clothing, household expenses: $350
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656745
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $131.84 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.52% | | |
| |
Estimated return*:
| 10.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1965 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 800-819 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 14y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Homemaker |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $567 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| income-sprout055 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
... ... , , , , loan:
This loan will be used to... make some home improvements on my house and for personal reasons
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2083
Monthly expenses: $
Housing: $750
Insurance: $88
Car expenses: $24.99
Utilities: $280
Phone, cable, internet: $159.99
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.32% |
Borrower rate/APR:
| 29.32% / 33.29% |
Monthly payment:
| $168.32 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.75% | | |
| |
Estimated return*:
| 11.50% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 600-619 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 6y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $730 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 29 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ideal-worth3 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 92% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 1
( 8% )
| 680-699
(Aug-2011)
|
|
Principal balance:
| $3,658.23 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Debt consolidation
Purpose of loan: Finish paying off Medical Debt
This loan will be used to...
My financial situation:
I am a good candidate for this loan because I have a good credit rating and have never missed a payment with Prosper
Monthly net income: $3600
Monthly expenses: $3100
Housing: $1500
Insurance: $100
Car expenses: $200
Utilities: $400
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
656997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 19.24% |
Borrower rate/APR:
| 20.24% / 22.69% |
Monthly payment:
| $252.96 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.13% | | |
| |
Estimated return*:
| 12.14% | | |
* 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-2007 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,438 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| merciful-contract5 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Payoff my current credit cards and have extra money
My financial situation:
I am a good candidate for this loan because I never paid late. NEVER. i am responsible and have a great credit history
Monthly net income: $5800
Monthly expenses: $200
Housing: $600
Insurance: $
Car expenses: $
Utilities: $100
Phone, cable, internet: $80
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $
Other expenses: $
600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657015
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.25% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1984 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 12y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,427 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| plentiful-market912 |
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
Debt consolidation
Purpose of loan: Debt Consolidation
This loan will be used to... consolidate debt
My financial situation: am fully employed
I am a good candidate for this loan because... I am good client because I am not late on any of my bills and I have stable current employment.
Monthly net income: $1200.00
Monthly expenses: $1200.00
Housing: $0
Insurance: $236.44
Car expenses: $344.94
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657069
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
|
| |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $128.58 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.49% | | |
| |
Estimated return*:
| 6.00% | | |
* 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:
| Nov-1997 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 760-779 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 20y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $158,416 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| jpblan11 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 33 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $10,800.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Apr-2010)
740-759
(Oct-2009)
|
|
Principal balance:
| $304.93 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Re-Invest in Prosper
Purpose of loan:
This loan will used to re invest in Prosper. I have had several loans through proper and want to continue building on the investment I have accumulated.
My financial situation:
I am a good candidate for this loan because I have not had ANY late payments on any previous loans I have had. Your money is secure as it is my plan to continue to borrow again. Please review my former loans for more details. My net monthly income will cover my loan payment. My current annual salary this year has increased to $141,000. I own several rental real estate properties in total five residences NY and Mass in which I only have two mortgages. I have previously used a line of credit loan to purchase an income producing property; all rentals I have are income producing. I have also have onver $220,000 in securities.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657169
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:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 12.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 28.62% |
Borrower rate/APR:
| 29.62% / 32.32% |
Monthly payment:
| $321.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.10% | | |
| |
Estimated return*:
| 13.35% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-1993 |
Debt/Income ratio:
| 406% |
|
Credit score:
| 820-839 (Oct-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 16y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,002 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 38% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wampum-fuse2 |
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: to pay high interest cards
This loan will be used to...to pay higher interest cards
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $1800.00
Monthly expenses: $1686.00
Housing: $
Insurance: $206
Car expenses: $160
Utilities: $700
Phone, cable, internet: $120
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.25% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1967 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 12y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,795 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| orange-foxy-euro |
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
Other
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.24% |
Borrower rate/APR:
| 18.24% / 21.95% |
Monthly payment:
| $544.09 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.15% | | |
| |
Estimated return*:
| 9.41% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Apr-1984 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 33y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,565 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nickel-recorder455 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to...Payoff bills and to fix somethings in the house.
My financial situation:
I am a good candidate for this loan because...
I will paid it back in 3 years time.
Monthly net income: $2,580.44
Monthly expenses: $497.88
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $132.88
Food, entertainment: $0
Clothing, household expenses: $150-$200
Credit cards and other loans: $11,471.54
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.32% |
Borrower rate/APR:
| 29.32% / 33.29% |
Monthly payment:
| $126.24 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.75% | | |
| |
Estimated return*:
| 11.50% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 32y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,402 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| open-minded-return853 |
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
Household Expenses
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...my net income will increase by $1900 per month starting 1/29/13
Monthly net income: $3380
Monthly expenses: $
Housing: $1127
Insurance: $125
Car expenses: $
Utilities: $200
Phone, cable, internet: $65
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $1250
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657259
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:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 11.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 26.59% |
Borrower rate/APR:
| 27.59% / 30.23% |
Monthly payment:
| $278.00 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.35% | | |
| |
Estimated return*:
| 13.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 20y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,251 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| red-exciting-funds |
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
Moving and relocation expenses
Purpose of loan:
This loan will be used to... move to another apartment
My financial situation:
I am a good candidate for this loan because... I will responsible to pay off loan and I have a good credit history
Monthly net income: $2,400
Monthly expenses: $2,100
Housing: $1,250
Insurance: $
Car expenses: $240.00
Utilities: $50.00
Phone, cable, internet: $125.00
Food, entertainment: $150.00
Clothing, household expenses: $50.00
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657265
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.18% |
Borrower rate/APR:
| 21.18% / 23.66% |
Monthly payment:
| $325.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.95% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Apr-1968 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 740-759 (Oct-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 16
/
15 | Length of status: | 1y 9m |
|
Amount delinquent:
| $5,963 |
Total credit lines:
| 38 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $489 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| silentpeace |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 32 ( 97% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 1
( 3% )
| 760-779
(Apr-2008)
740-759
(Jan-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate loans and to pay off a substantial part of my auto loan with the purpose of refinancing the balance for a lower payment amount.
My financial situation: I would like to reduce the number of accounts I am currently paying and I would like to refinance my auto loan. I am currently employed full time and have the funds to repay the loan amount.
I am a good candidate for this loan because I have borrowed from Prosper in the past and repaid the loan on time without missing a payment. I have enough income to make the loan repayment amount each month.
Monthly net income: $4,575.02
Monthly expenses: $3740.00
Housing: $1680
Insurance: $127.00
Car expenses: $150.00 for gas, $339.00 for car payment
Utilities: $112
Phone, cable, internet: $122
Food, entertainment: $750.00
Clothing, household expenses: $80.00
Credit cards and other loans: $100.00 (part of consolidation); Lendmark Financial: 280.00 (part of loan consolidation)
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.25% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Nov-1974 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 0m |
|
Amount delinquent:
| $1,282 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,666 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| spiritual-durability245 |
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
Business start up
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...i don't welch
Monthly net income: $4000.00
Monthly expenses: $3500.00
Housing: $583
Insurance: $56
Car expenses: $
Utilities: $300
Phone, cable, internet: $250.00
Food, entertainment: $350.00
Clothing, household expenses: $100.00
Credit cards and other loans: $400.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657391
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 2.24% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 10.73% |
Borrower rate/APR:
| 11.73% / 13.98% |
Monthly payment:
| $552.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.45% | | |
| |
Estimated return*:
| 8.21% | | |
* 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):
| 8 |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 800-819 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,574 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| new-capital-saga |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate an unsecured credit card balance and a secured personal loan
My financial situation:
I am a good candidate for this loan because...homeowner, consistent employment history
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657415
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:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 9.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 21.72% |
Borrower rate/APR:
| 22.72% / 26.53% |
Monthly payment:
| $134.97 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 10.25% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Military Officer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,245 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| community-saver1 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Oct-2009)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Help get me through the Holidays
Purpose of loan:
This loan will be used to...supplement income. I do inventories. Hours at work have been reduced during last part of year. Hours return during January.
My financial situation:
I am a good candidate for this loan because...I feel obligated to pay my debts. I have no missed or late payments for nearly 10 years. I am also in the Navy Reserve and honor my committments.
Monthly net income: $1700
Monthly expenses: $2000
Housing: $470
Insurance: $90
Car expenses: $120
Utilities: $70
Phone, cable, internet: $70
Food, entertainment: $180
Clothing, household expenses: $0
Credit cards and other loans: $1000
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657421
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.25% | | |
|
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $941 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| forthright-loot1 |
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
Debt consolidation
Purpose of loan:
This loan will be used to pay off debt
My financial situation:
I am a good candidate for this loan because responsible with money and make my payments on time
Monthly net income: $6000
Monthly expenses: $5100
Housing: $1225
Insurance: $130
Car expenses: $526
Utilities: $230
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $1200
Other expenses: $1000
Information in the Description is not verified.