Listing Report:Supplement No. 5 dated Dec 31, 2012 to Prospectus dated Nov 19, 2012File pursuant to Rule 424(b)(3)
Registration Statement No. 333-182599
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Nov 19, 2012 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Nov 19, 2012 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series
690026
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 1.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 10.01% |
Borrower rate/APR:
| 11.01% / 13.25% |
Monthly payment:
| $434.95 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.78% | | |
| |
Estimated return*:
| 7.79% | | |
* 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:
| Oct-1984 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 760-779 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 10y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,485 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| VidGigGuy |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 37 ( 97% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $9,900.00 | < 31 days late:
| 1
( 3% )
| 780-799
(Jun-2012)
860-879
(Apr-2011)
880-899
(Jun-2008)
|
|
Principal balance:
| $3,959.06 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 38 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pull together several bills for a lower rate.
My financial situation:
I am a good candidate for this loan because...I do my best to keep payments current and I have a goal to be debt free in 5 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
691178
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 6.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.53% |
Borrower rate/APR:
| 21.53% / 24.02% |
Monthly payment:
| $95.73 |
| |
|
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):
| 4 |
First credit line:
| May-1980 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 760-779 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
3 | Length of status: | 17y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,561 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| autonomous-credit03 |
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
Other
Purpose of loan:
This loan will be used to...pay for unexpected child care expenses
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 1800.00
Monthly expenses: $
Housing: $700
Insurance: $
Car expenses: $
Utilities: $ 177
Phone, cable, internet: $156
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $486
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
691232
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:
| $3,200.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,200 |
Estimated loss*:
| 9.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.78% |
Monthly payment:
| $122.19 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.37% | | |
| |
Estimated return*:
| 10.12% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Feb-1997 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 680-699 (Dec-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $15,905 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| peso-quest4 |
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
Motorcycle
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
691256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 12.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 26.12% |
Borrower rate/APR:
| 27.12% / 31.03% |
Monthly payment:
| $163.56 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.82% | | |
| |
Estimated return*:
| 11.07% | | |
* 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:
| Aug-1999 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 640-659 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 12
/
11 | Length of status: | 10y 4m |
|
Amount delinquent:
| $346 |
Total credit lines:
| 40 |
Occupation: | Principal |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,260 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bazaar-souffle7 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jan-2012)
|
|
Principal balance:
| $5,952.20 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Medical/Dental
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because i have a consistent payment on time history.
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
691286
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:
| $4,200.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,940 |
Estimated loss*:
| 7.24% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.71% |
Monthly payment:
| $153.93 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.79% | | |
| |
Estimated return*:
| 9.55% | | |
* 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-1990 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Dec-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 8y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,724 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| red-heartpounding-listing |
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:
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
691316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 11.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 26.59% |
Borrower rate/APR:
| 27.59% / 30.23% |
Monthly payment:
| $247.11 |
| |
|
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-2001 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 700-719 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 6y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $50,728 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| authoritative-revenue6 |
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
Taxes
Purpose of loan:
This loan will be used to...
Pay Commmercial Real Estate Property Taxes
My financial situation:
I am a good candidate for this loan because...
As of October 2012 the commerical property is now 100% occupied and provides sufficient cash flow.
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
691382
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:
| $14,673.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,271.10 |
Estimated loss*:
| 2.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 9.89% |
Borrower rate/APR:
| 10.89% / 13.70% |
Monthly payment:
| $479.61 |
| |
|
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):
| 8 |
First credit line:
| Nov-1991 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 740-759 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 9y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $40,356 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| brightest-witty-wampum |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 5 ( 83% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 1
( 17% )
| 760-779
(May-2012)
|
|
Principal balance:
| $10,326.24 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off existing debts at a higher rate..
My financial situation:
I am a good candidate for this loan because I have a steady reliable job and consistently pay my debts on time
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
691956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.66% |
Borrower rate/APR:
| 25.66% / 29.54% |
Monthly payment:
| $200.55 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.54% | | |
| |
Estimated return*:
| 10.79% | | |
* 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-1999 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 700-719 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 7 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 4m |
|
Amount delinquent:
| $77,300 |
Total credit lines:
| 40 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,034 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 18 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| superb-point4 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: To consolidate a couple of high interest credit cards (that have since been closed by me).
This loan will be used to...Pay off two high interest credit cards that maintain a balance and settle two low charge-offs (under $100 each).
My financial situation: I have made myself a monthly budget that I have been following strictly for over three years now. I am very comfortable with my employment, budget and income. This loan will allow me to see the full repayment of my credit cards within three years (instead of 28+) with the same monthly cost as I am paying now.
I am a good candidate for this loan because... I am currently full-time employed at a stable local government job having been recently promoted. I have begun the process of repairing my credit over 3 years ago. I will admit I was irresponsible about 7-10 years ago with my credit, but have now matured greatly and understood the consequences of my actions. Since Jan 2010 I have successfully opened two credit cards (Capital One and GE Capital/Sam's Club). Which I have payed off one and carry a reasonable balance on the other one for rebuilding credit purposes. I have also received an auto loan from Capital One in Jan 2010 for a car I now almost own! ($13,500 at open, balance at $7,240 now). I have nothing but on-time payments for all my revolving credit and loans the past several years.
Monthly net income: $ 2800 (before overtime)
Monthly expenses: Everything below ( approx. 2100 a month)
Housing: $ 790
Insurance: $ 96
Car expenses: $ 316
Utilities: $ 45
Phone, cable, internet: $ 108
Food, entertainment: $ 350
Clothing, household expenses: $ 100
Credit cards and other loans: $ 200
Other expenses: $ 100
The remaining balance is put towards savings (down payment on a house is my goal), emergency situations, and/or other unexpected expenses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
692136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 4.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 16.52% |
Borrower rate/APR:
| 17.52% / 19.91% |
Monthly payment:
| $377.00 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.76% | | |
| |
Estimated return*:
| 11.27% | | |
* 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-1999 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 680-699 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 17
/
15 | Length of status: | 10y 4m |
|
Amount delinquent:
| $1,924 |
Total credit lines:
| 43 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,696 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lgrande |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(May-2010)
680-699
(Oct-2009)
780-799
(Jan-2007)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I am a previous customer and had no issues on repaying the loan
Monthly net income: $4000
Monthly expenses: $600
Housing: $1900
Insurance: $180
Car expenses: $
Utilities: $500
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
692362
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 12.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.39% |
Borrower rate/APR:
| 26.39% / 30.29% |
Monthly payment:
| $161.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.18% | | |
| |
Estimated return*:
| 10.93% | | |
* 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-1999 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 740-759 (Dec-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 8y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,216 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| flexible-peace8 |
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
Auto
Purpose of loan:
This loan will be used to purchase car
My financial situation:
I am a good candidate for this loan because i have reliable steady income and when tax refund arrives i can simply pay off loan
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
692470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 7.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.79% |
Borrower rate/APR:
| 19.79% / 23.53% |
Monthly payment:
| $555.85 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.49% | | |
| |
Estimated return*:
| 9.75% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-1984 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 680-699 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
17 | Length of status: | 20y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,063 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| exciting-commerce4 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jan-2012)
|
|
Principal balance:
| $3,143.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Taxes
Purpose of loan: pay taxes
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...i will repay in full, i am working full time positon with seniority
Monthly net income: $1850
Monthly expenses: $
Housing: $217.00
Insurance: $n/a
Car expenses: $ i own vehicle
Utilities: $100.00
Phone, cable, internet: $75.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 400.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
690299
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 12.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.39% |
Borrower rate/APR:
| 26.39% / 30.29% |
Monthly payment:
| $161.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.18% | | |
| |
Estimated return*:
| 10.93% | | |
* 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-1990 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 640-659 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $15,110 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| a-speedy-finance |
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
691247
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 10.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.19% |
Borrower rate/APR:
| 24.19% / 28.03% |
Monthly payment:
| $275.33 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.26% | | |
| |
Estimated return*:
| 10.51% | | |
* 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-1997 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 640-659 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $3,025 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| autonomous-bazaar056 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Vacation
Purpose of loan:
This loan will be used to...
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
691259
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
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 6.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.53% |
Borrower rate/APR:
| 21.53% / 24.02% |
Monthly payment:
| $273.52 |
| |
|
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):
| 4 |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 800-819 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 2m |
|
Amount delinquent:
| $98 |
Total credit lines:
| 17 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,942 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| joyful-coin985 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Record Label with history of growth
Purpose of loan:
I have been running a small record label for 8 years. I have been starting to make a major impact in the artistic underground and would like to make a large push this year towards larger releases and a real PR team.
I have consulting publicists lined up already. I recently signed a very good distribution deal and I have some very large underground artists lined up for releases this coming year.
I could continue on at the rate I am going, but I feel like a small cash injection would raise my ability to give each upcoming release their needed PR and promotional push.
My financial situation:
I am a great candidate for the loan because I have a proven track record with the label already being at a self sustaining level. Also, I am gainfully employed in a well paying day job.
Label P&L:
Monthly net income: $800-$1,000
Monthly expenses: $300-2,500 (depending on if we are dealing with "cost-of-goods-sold" printing and pressing costs. These change depending on when releases are happening)
Personal Finances:
Yearly Personal Gross Income: $75,000
Yearly Household Gross Income: $140,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
691265
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
|
|
Minimum Amount to Fund:
| $10,000 |
Estimated loss*:
| 6.24% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.34% |
Borrower rate/APR:
| 17.34% / 21.03% |
Monthly payment:
| $358.22 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.36% | | |
| |
Estimated return*:
| 9.12% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-1992 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 780-799 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 11y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,041 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 21 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Hachi-Roku |
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
691301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 4.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.14% |
Borrower rate/APR:
| 14.14% / 17.75% |
Monthly payment:
| $136.98 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.52% | | |
| |
Estimated return*:
| 8.03% | | |
* 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:
| Jun-1980 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 780-799 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 30y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,111 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| meteoric-interest193 |
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
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
691391
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,650 |
Estimated loss*:
| 3.24% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 13.21% |
Borrower rate/APR:
| 14.21% / 16.52% |
Monthly payment:
| $222.08 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.74% | | |
| |
Estimated return*:
| 9.50% | | |
* 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):
| 8 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 780-799 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,546 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| new-investment-daydream |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $12,500.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Dec-2011)
|
|
Principal balance:
| $9,450.10 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Debt consolidation
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
691427
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:
| $24,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $17,150 |
Estimated loss*:
| 1.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.39% |
Borrower rate/APR:
| 8.39% / 9.74% |
Monthly payment:
| $772.16 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.23% | | |
| |
Estimated return*:
| 5.49% | | |
* 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:
| Dec-1987 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 800-819 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 12y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,503 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| immaculate-principal1 |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 34 ( 94% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $25,000.00 | < 31 days late:
| 2
( 6% )
| 800-819
(Oct-2009)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off older, high interest credit card debts.
My financial situation:
I am a good candidate for this loan because...I have successfully paid off a prior Prosper loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
691929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,000 |
Estimated loss*:
| 9.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 24.57% |
Borrower rate/APR:
| 25.57% / 28.16% |
Monthly payment:
| $296.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.63% | | |
| |
Estimated return*:
| 12.88% | | |
* 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):
| 2 |
First credit line:
| Jan-2001 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 660-679 (Dec-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 7y 9m |
|
Amount delinquent:
| $2,831 |
Total credit lines:
| 22 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,431 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rebuilderAtl |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $13,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2012)
560-579
(Jun-2007)
|
|
Principal balance:
| $11,779.21 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Debt consolidation
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
692037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 8.24% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $112.24 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.08% | | |
| |
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):
| 3 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Dec-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
12 | Length of status: | 5y 5m |
|
Amount delinquent:
| $79 |
Total credit lines:
| 46 |
Occupation: | Scientist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,140 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kind-euro-detective |
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
Large Purchases
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
692043
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 10.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.46% |
Borrower rate/APR:
| 23.46% / 27.29% |
Monthly payment:
| $272.65 |
| |
|
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):
| 3 |
First credit line:
| Feb-2005 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 720-739 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,715 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| a-euro-marauder |
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
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: $
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
692317
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 10.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.46% |
Borrower rate/APR:
| 23.46% / 27.29% |
Monthly payment:
| $272.65 |
| |
|
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):
| 6 |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Dec-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 8y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,195 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| income-saffron9 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Debt Consolidation, Major Purchases
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $8000
Monthly expenses: $5000
Housing: $1000
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
692497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 11.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 26.59% |
Borrower rate/APR:
| 27.59% / 30.23% |
Monthly payment:
| $123.56 |
| |
|
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:
| Jul-1992 |
Debt/Income ratio:
| 47% |
|
Credit score:
| 740-759 (Dec-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
18 | Length of status: | 8y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Pharmacist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,498 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| agreement-mover327 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
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 will be returning to work full time February 1st, 2013.
Monthly net income: $6000.00
Monthly expenses: $5100
Housing: $1600
Insurance: $100
Car expenses: $75
Utilities: $100
Phone, cable, internet: $255
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $2348
Other expenses: $400
Information in the Description is not verified.