Listing Report:Supplement No. 35 dated Jan 29, 2013 to Prospectus dated Jan 09, 2013File 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 Jan 09, 2013 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 Jan 09, 2013 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
697076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 6.24% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.34% |
Borrower rate/APR:
| 17.34% / 21.03% |
Monthly payment:
| $537.33 |
| |
|
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):
| 6 |
First credit line:
| Apr-1996 |
Debt/Income ratio:
| 45% |
|
Credit score:
| 740-759 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,358 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| precious-responsibility2 |
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...pay off all of my credit cards.
My financial situation:
I am a good candidate for this loan because...if I can pay all of them on time each month which comes out to be about what I agree to pay you. I can pay them off and only have you to pay for three years instead of them for what seems to be forever.
Monthly net income: $4000.00
Monthly expenses: $3418.00
Housing: $1128.00
Insurance: $200.00
Car expenses: $1040.00
Utilities: $100.00
Phone, cable, internet: $450.00
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $400.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
701716
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
|
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.66% |
Borrower rate/APR:
| 25.66% / 29.54% |
Monthly payment:
| $360.99 |
| |
|
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):
| 2 |
First credit line:
| Mar-1988 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 660-679 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,168 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sensible-p2ploan2 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to pay extra living expense and for repairs on my home.
My financial situation:
I am a good candidate for this loan because I have a study income and pay my accounts when due.
Monthly net income: $ 2520
Monthly expenses: $ 1700
Housing: $ 1050
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 75
Phone, cable, internet: $ 100
Food, entertainment: $ 100
Clothing, household expenses: $75
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
702208
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 2.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 9.34% |
Borrower rate/APR:
| 10.34% / 13.14% |
Monthly payment:
| $129.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.05% | | |
| |
Estimated return*:
| 6.31% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Oct-2007 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 760-779 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,197 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| majestic-silver4 |
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: house hold
This loan will be used to...family reunion expenses
My financial situation: stable
I am a good candidate for this loan because... good credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
704442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 15.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.34% |
Borrower rate/APR:
| 31.34% / 35.36% |
Monthly payment:
| $172.76 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.60% | | |
| |
Estimated return*:
| 11.85% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Apr-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Jan-2013) |
Inquiries last 6m:
| 8 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 8y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $2,198 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| proud-reward7 |
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.
Description
Business
Purpose of loan:
This loan will be used to...fund business inventory
My financial situation:
I am a good candidate for this loan because...in business for 8 years
Monthly net income: $6000
Monthly expenses: $3900
Housing: $840 monthly
Insurance: $260 monthly
Car expenses: $250 monthly
Utilities: $325 monthly
Phone, cable, internet: $130 monthly
Food, entertainment: $500 monthly
Clothing, household expenses: $100 monthly
Credit cards and other loans: $425 monthly
Other expenses: $100 monthly
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
704858
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*:
| 9.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.78% |
Monthly payment:
| $190.93 |
| |
|
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):
| 3 |
First credit line:
| Aug-1986 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 800-819 (Jan-2013) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 3m |
|
Amount delinquent:
| $1,771 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $180 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 25 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| youthful-diversification0 |
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
Medical/Dental
Purpose of loan:
This loan will be used to...
Cover recent medical and dental bills, as well as some household expenses while I finish off the last bit of credit card debt.
History:
I was the victim of business fraud in 2008, during a brief time of unemployment. I settled most of the debt in 2010. One remaining debtor is receiving 25% of my check until June, 2013.
In the last few months, I have accumulated some medical bills due to asthma and some dental bills due to a root canal. I wish to consolidate them into one easy payment.
My financial situation:
I am a good candidate for this loan because...
After June 14, 2013 I will be completely free of credit card debt and my job is not only doing well, but there has been recent talks of a promotion and raise.
Monthly net income: $4,799 (after June 14, 2013)
Monthly expenses: $4,380
Housing: $2,764.45
Insurance: $451.94 (Car, Pet, Life)
Car expenses: $200.00 (Gas, Maintenance)
Utilities: $125.00
Phone, cable, internet: $190.00
Food, entertainment: $290.00
Clothing, household expenses: $50.00
Credit cards and other loans: $150 (personal loan)
Other (Church): $20.00
Other (Gym): $15.00
Other (Storage): $75.00
Other (Pharmacy): $50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
705248
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 19.64% |
Borrower rate/APR:
| 20.64% / 28.53% |
Monthly payment:
| $371.76 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.93% | | |
| |
Estimated return*:
| 6.18% | | |
* 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):
| 2 |
First credit line:
| Oct-2006 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Investor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,341 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| awe-inspiring-affluence151 |
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
705332
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 19.64% |
Borrower rate/APR:
| 20.64% / 28.53% |
Monthly payment:
| $278.82 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.93% | | |
| |
Estimated return*:
| 6.18% | | |
* 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):
| 5 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 700-719 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
3 | Length of status: | 19y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,878 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 57% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| hope-ceasar |
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
Cosmetic Procedures
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
705978
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*:
| 4.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.47% |
Borrower rate/APR:
| 18.47% / 20.88% |
Monthly payment:
| $384.75 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.59% | | |
| |
Estimated return*:
| 11.60% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jun-2003 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 780-799 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,268 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| intelligent-market8 |
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
I am a good candidate for this loan because:
I have fixed permanent Fulltime Job
I have Golden Credit History
I will pay the loan before the due date
Very deligent and Trusted member
Need to consolidate my Debt
Thanks a lot for your help
Ask me any question if you have
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.24% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $561.21 |
| |
|
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):
| 4 |
First credit line:
| Feb-2005 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 720-739 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 11y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,723 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| peace-base715 |
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.
Description
Medical/Dental
Purpose of loan:
This loan will be used for the Youth Foundation Success Academy for our daughter.
My financial situation:
I am a good candidate for this loan because I have had steady employment with the City of Sparks for 12 years. I have timely payment history for many years.
Monthly net income: $8,200
Monthly expenses: $1500
Housing: $1,775
Insurance: $240
Car expenses: $400
Utilities: $130
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $500
Other expenses: $0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706072
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):
| 5 |
First credit line:
| Nov-2007 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 640-659 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,974 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| compatible-penny79 |
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...
I want to use the Loan to consolidate my high interest credit cards in one easy payment per month.
My financial situation:
I am a good candidate for this loan because...
I take home about 1900.00/Month after taxes, I don't have to pay rent , and as you can see in my credit report, I have never been late on any payment for any type of account. I already paid off my student loan , and only have two years left on my 5 year car loan.
Monthly net income: $1859.00
Monthly expenses: $
Housing: $0
Insurance: $0
Car expenses: $270.00
Utilities: $45
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $18,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $12,600 |
Estimated loss*:
| 4.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.09% |
Borrower rate/APR:
| 15.09% / 18.73% |
Monthly payment:
| $624.77 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.37% | | |
| |
Estimated return*:
| 8.38% | | |
* 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-1996 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 700-719 (Jan-2013) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
7 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 52 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,283 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| blue-loyalty-resonance |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $18,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jun-2010)
780-799
(Sep-2009)
|
|
Principal balance:
| $0.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Blue skies ahead...
Purpose of loan:
The software product I was working on was discontinued last year and I found myself without a job. I found a great fit at a new company within a week and was given an offer before I left the office following the interview. Unfortunately, with the job change, I need to do a bulk payoff of my outstanding 401k loan to avoid nasty tax penalties. The purpose of this loan is to pay off that 401k loan in order to roll the money over to my new employer's 401k program. At that point, I will issue a new loan and pay off this loan and consolidate some other debt.
My financial situation:
I am a good candidate for this loan because I have a stellar track record of paying my bills on time. The risk on this loan is exceptionally low because I'll be repaying it quickly from the proceeds of my 401k loan.
Monthly net income: $4,500
Monthly expenses: $650
Housing: $578
Insurance: $90
Car expenses: $350
Utilities: $75
Phone, cable, internet: $170
Food, entertainment: $150
Clothing, household expenses: $75
Credit cards and other loans: $1,200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706110
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 4.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.09% |
Borrower rate/APR:
| 15.09% / 18.73% |
Monthly payment:
| $225.61 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.37% | | |
| |
Estimated return*:
| 8.38% | | |
* 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:
| Oct-2001 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 720-739 (Jan-2013) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 10
/
7 | Length of status: | 0y 4m |
|
Amount delinquent:
| $409 |
Total credit lines:
| 35 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,175 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 26 |
Bankcard utilization:
| 15% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| lkjc1983 |
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:
| 35 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 580-599
(Feb-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Taxes
Purpose of loan:
This loan will be used to...
Pay off household expenses and pay taxes that owe to government
My financial situation:
I am currently employed, I make enough to payoff the loan in time allowed
I am a good candidate for this loan because...
I have borrowed from prosper before never late on payment and paid the full balance.
Monthly net income: $ 1700
Monthly expenses: $1300
Housing: $0
Insurance: $76.00
Car expenses: $0
Utilities: $170.00
Phone, cable, internet: $191.72
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $1500.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706152
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:
| $4,000 |
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:
| Sep-1999 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 680-699 (Jan-2013) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,453 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| tl3574 |
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
Back Taxes
Purpose of loan: To pay off back taxes
This loan will be used to... pay off back taxes
My financial situation:
I am a good candidate for this loan because I have a good credit score and a have been time with my bills for years.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706164
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $17,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 7.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 21.62% |
Borrower rate/APR:
| 22.62% / 25.13% |
Monthly payment:
| $489.52 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.16% | | |
| |
Estimated return*:
| 12.67% | | |
* 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-1989 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 720-739 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 8y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,656 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-agreement-enforcer |
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: Debt Consolidation
This loan will be used to...
Pay off high interest credit cards and loans
My financial situation: Good
I am a good candidate for this loan because...
I Am employed
Monthly net income: $5600.00
Monthly expenses: $
Housing: $600.00
Insurance: $120.00
Car expenses: $300.00
Utilities: $200.00
Phone, cable, internet: $250.00
Food, entertainment: $450.00
Clothing, household expenses: $200.00
Credit cards and other loans: $600.00
Other expenses: $
100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706186
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*:
| 10.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.19% |
Borrower rate/APR:
| 24.19% / 28.03% |
Monthly payment:
| $157.33 |
| |
|
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:
| Oct-2000 |
Debt/Income ratio:
| 47% |
|
Credit score:
| 740-759 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 11y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,953 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| green-determined-listing6 |
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 Pay high interest loans:
This loan will be used to...have less bills-consolidate
My financial situation: I am in good shape ,credit score has gone up .
I am a good candidate for this loan because... I have constant income due disability.
Monthly net income: $2026.80
Monthly expenses: $300.00
Housing: $0
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
706366
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:
| 60 months | | | | |
|
|
Lender yield:
| 27.95% |
Borrower rate/APR:
| 28.95% / 31.63% |
Monthly payment:
| $126.85 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.52% | | |
| |
Estimated return*:
| 13.27% | | |
* 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):
| 3 |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 660-679 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 18y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
|
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:
| attractive-return619 |
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
repairs
Purpose of loan:
This loan will be used to...
repairs
My financial situation:
I am a good candidate for this loan because...
will payback quick...make good weekly pay..just need to get back on my feet.
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
703511
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:
| Jan-1997 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 700-719 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,243 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| durability-drum5 |
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...
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
704081
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
|
|
Minimum Amount to Fund:
| $9,000 |
Estimated loss*:
| 6.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.53% |
Borrower rate/APR:
| 21.53% / 24.02% |
Monthly payment:
| $246.17 |
| |
|
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:
| Mar-1985 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 800-819 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,990 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lean-finance5 |
Borrower's state:
| Wyoming |
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
Personnal Loan
Purpose of loan:
This loan will be used to...pay taxes
My financial situation:
I am a good candidate for this loan because... I have always fulfilled my financial obligations
Monthly net income: $1900
Monthly expenses: $550
Housing: $547.40
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
704901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 9.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 21.72% |
Borrower rate/APR:
| 22.72% / 26.53% |
Monthly payment:
| $385.64 |
| |
|
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):
| 3 |
First credit line:
| Apr-1996 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 740-759 (Jan-2013) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,784 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| magnificent-dollar236 |
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: I'm selling my rental house and need to make some updates and freshen up the place.
This loan will be used to...help sell the house quickly. We've moved about a year ago and have decided we are going to stay and retire in this area and are going to sell our house and buy here.
My financial situation: I only have a house payment, and the rental income covers that. I am an authorized user on some credit cards with my 94 year old father. He's used these to help the grandkids (not my kids) with college expenses and whatnot. I am helping him pay those down.
I am a good candidate for this loan because...I am a 55 year old married man that has no debt except his house and helping his father. My wife & I were victims of ID Theft 5 years ago. It was a nightmare, but the guys were caught and put in Federal Prisons. Due to this we got rid of credit cards, paid off our installment loans and keep fraud alerts out with the reporting agencies. However, I didn't realize that having things paid off and little credit was actually looked at unfavorably by the rating people. Anyway, I have worked in government for the past 30 years and am working for the same boss in another agency that I used to work with for 20 years. I am very stable and have never missed a payment in my life. I anticipate paying this loan off within the next 18 months.
Monthly net income: $4000 salary (plus $2,200/mo rental on the house for sale)
Monthly expenses: $
Housing: $1200 / house I'm renting currently for myself
Insurance: $125
Car expenses: $300
Utilities: $200
Phone, cable, internet: $125
Food, entertainment: $600
Clothing, household expenses: $125
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
705161
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 4.74% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 10.09% |
Borrower rate/APR:
| 11.09% / 16.80% |
Monthly payment:
| $176.85 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.58% | | |
| |
Estimated return*:
| 4.84% | | |
* 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):
| 7 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 760-779 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,414 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| transaction-collider1 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
Payoff a high interest credit card.
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
705329
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:
| $2,240 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.66% |
Borrower rate/APR:
| 25.66% / 29.54% |
Monthly payment:
| $128.35 |
| |
|
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):
| 3 |
First credit line:
| Jun-2002 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 680-699 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 8y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Architect |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,934 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cunning-finance5 |
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
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
705757
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*:
| 7.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 21.62% |
Borrower rate/APR:
| 22.62% / 25.13% |
Monthly payment:
| $419.59 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.16% | | |
| |
Estimated return*:
| 12.67% | | |
* 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-1995 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 720-739 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $19,312 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| camaraderi-onator642 |
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
Home improvement
Purpose of loan:
This loan will be used to...
Purchase a pool
My financial situation: Plenty of income, overcoming some past (over 3 years ago) credit card issues on credit report
I am a good candidate for this loan because...I can and will repay it
Monthly net income: $15,000-25,000 (depending on bonuses)
Monthly expenses: $6500 +/- (total of all monthly expenses)
Housing: $2800
Insurance: $200
Car expenses: $1100
Utilities: $400-500
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $500
Credit cards and other loans: $650
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
705915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 9.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 24.57% |
Borrower rate/APR:
| 25.57% / 28.16% |
Monthly payment:
| $445.30 |
| |
|
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):
| 3 |
First credit line:
| Jan-1994 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 780-799 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $72 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| mighty-penny944 |
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
Business
Purpose of loan:
This loan will be used to...start a business with my grandson who is ready ro graduate with honors. The business is in the emerging sector of Federal Energy Deregulation. I will be a silent partner. My role is to help with start up cost and introduce my Grandson to the many business contacts that I have made and maintained throughout life.
My financial situation:
I am a good candidate for this loan because...I have no debt, I would love to see my grandson do well in life. He has a very strong business plan and the timing of the deregulation of energy is perfect! I have always maintained excelent credit and have taught my Grandson and other children the importance of this. I had 10 children, we are a very close family. I have an appartment that my children pay for. I only stay there less than 2-3 months a year, but I like that because it gives me a place to keep my own belongings and maintain my sense of independence. I travel from state to state visiting my children and Grandchildren, staying anywhere from 3-6 weeks at a time and come home for a week or 2 before heading off to the next childs place. I was blessed to have so many kids and grandkids and I enjoy seeing them grow and prosper.
Monthly net income: $1200.00
Monthly expenses: $0
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $50.00
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
706065
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:
| Jul-2003 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 720-739 (Jan-2013) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
11 | Length of status: | 8y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,255 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| brightest-flexible-deal4 |
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
Other
Purpose of loan:
This loan will be used to...
Pay off unexpected expenses
My financial situation: is good
I am a good candidate for this loan because...
I have never been late on any payment in my life. I am very trustworthy and can afford the extra cost of this loan. I came upon some unexpected things and i have to resolve them immediately. I promise that this loan will be paid on time and in full. I will also pay more per month than what i had seen on the offer. I realize many people out there can not be trusted but that is not the case here.
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
706155
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*:
| 10.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.92% |
Borrower rate/APR:
| 26.92% / 29.55% |
Monthly payment:
| $121.95 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.78% | | |
| |
Estimated return*:
| 13.03% | | |
* 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):
| 3 |
First credit line:
| May-2006 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 720-739 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,969 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| important-community770 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
706183
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 9.25% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 16.30% |
Borrower rate/APR:
| 17.30% / 25.12% |
Monthly payment:
| $182.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.03% | | |
| |
Estimated return*:
| 5.78% | | |
* 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:
| Sep-1998 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Jan-2013) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
18 | Length of status: | 16y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 53 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $49,153 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| velocity-shrine5 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
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
706185
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 13.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 27.59% |
Borrower rate/APR:
| 28.59% / 32.54% |
Monthly payment:
| $83.37 |
| |
|
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):
| 2 |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 660-679 (Jan-2013) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 13y 4m |
|
Amount delinquent:
| $837 |
Total credit lines:
| 36 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,999 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| community-voyager872 |
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
Household Expenses
Purpose of loan:
This loan will be used to repair roof and pay bills
My financial situation:
I am a good candidate for this loan because I make a good salary. My financial situation is normally stable. Two years ago I was awarded custody of my two sons. The lawyer fees were not cheap and I was forced to utilize credit cards in order to pay the attorney. Still my combined cc debt is less 12000. I clear $2900 every other week and my tax return is completed and My refund will be over $15000 from the government. Recently my family and I were impacted by hurricane sandy. I have roof damage and other exterior damage. My parents lost their home completely - they are in their 70s. I have had a lot of out of pocket expenses since the hurricane - repairs, assisting parents, feeding additional family, recent holiday - accounts for reason loan is being requesting. Thank you
Monthly net income: $5800
Monthly expenses: $4000
Housing:
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706267
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*:
| 4.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.47% |
Borrower rate/APR:
| 18.47% / 20.88% |
Monthly payment:
| $384.75 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.59% | | |
| |
Estimated return*:
| 11.60% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Aug-1988 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 800-819 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
6 | Length of status: | 23y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,703 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| fair-cash4 |
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...
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
706369
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 4.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 16.97% |
Borrower rate/APR:
| 17.97% / 20.37% |
Monthly payment:
| $304.53 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.15% | | |
| |
Estimated return*:
| 11.41% | | |
* 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:
| Feb-2002 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Jan-2013) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,996 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| listing-spartan5 |
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 / 2 |
On-time:
| 28 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $30,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Dec-2011)
720-739
(Aug-2010)
|
|
Principal balance:
| $12,859.46 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Home improvement
Purpose of loan:
This loan will be used to upgrade some items around the house.
My financial situation:
I am a good candidate for this loan because I'm very responsible in my payments. You can see that this would be my 3rd loan through prosper and I've kept all loans in good standing.
Monthly net income: $19,950
Monthly expenses: $8,750
Housing: $1124
Insurance: $340
Car expenses: $664
Utilities: $435
Phone, cable, internet: $400
Food, entertainment: $500
Clothing, household expenses: $250
Credit cards and other loans: $525
Other expenses: $1800
Personal Training: $600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706393
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,850 |
Estimated loss*:
| 6.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.53% |
Borrower rate/APR:
| 21.53% / 24.02% |
Monthly payment:
| $150.44 |
| |
|
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):
| 2 |
First credit line:
| Dec-2000 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 700-719 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 5m |
|
Amount delinquent:
| $401 |
Total credit lines:
| 30 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,244 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| loan-trident |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 21 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $1,400.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Sep-2009)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Home improvement
Purpose of loan:
This loan will be used to install new flooring into my home. I have been in my home for 5 years but at this point the ceramic tile flooring is beginning to deteriorate.
My financial situation:
I am a good candidate for this loan because I have means of paying the loan back. My currrent debts owed are being paid on time and the payments are minimum or additional above the minimum payment. I am employed full time.
Monthly net income: $7500
Monthly expenses: $3500
Housing: $1650
Insurance: $100
Car expenses: $600
Utilities: $500
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $350
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
706405
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:
| $3,600.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 12.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.39% |
Borrower rate/APR:
| 26.39% / 30.29% |
Monthly payment:
| $145.80 |
| |
|
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-1995 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 700-719 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 6y 0m |
|
Amount delinquent:
| $1,297 |
Total credit lines:
| 7 |
Occupation: | Computer Programmer |
|
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:
| obedient-responsibility510 |
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
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.