Sales Report:Supplement No. 9 dated Jan 04, 2011 to Prospectus dated Dec 20, 2010File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Dec 20, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Dec 20, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
487986
This series of Notes was issued and sold upon the funding of the borrower loan #46371, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 7 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 10.80% |
Listing Start date:
| Dec-17-2010 |
|
Term:
| 36 months | | |
Listing End date:
| Dec-20-2010 |
|
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $126.53 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,304 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 9% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| exchange-spruce6 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Personal loan for business use
Purpose of loan:
This loan will be used to?
-purchase more inventory for my business.
My financial situation:
I am a good candidate for this loan because?
I know? what I want to do with this loan and I know that I can and want to pay it back quickly so that we can keep working together.
Monthly net income: $ 550
Monthly expenses: $
??Housing: $ 200
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $?20
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q:
What is your business? Thanks - mbf2234
A:
I sale shoes and other accessories.
(Dec-19-2010)
question & answer
Information in Questions and Answers is not verified
| Investor | Amount | Investment Date (PT) |
|
| handshake5 | $100.00 | 12/17/2010 3:33:30 PM |
| paytonbrigadier | $250.00 | 12/17/2010 3:40:01 PM |
| hopeful-truth5 | $100.00 | 12/17/2010 3:39:11 PM |
| SNH | $100.00 | 12/17/2010 3:39:30 PM |
| green-thoughtful-yield | $100.00 | 12/17/2010 3:41:17 PM |
| ingenious-deal6 | $25.00 | 12/17/2010 3:41:33 PM |
| richboy56 | $25.00 | 12/17/2010 3:41:52 PM |
| reflective-rupee | $100.00 | 12/17/2010 4:12:43 PM |
| Investoman | $50.00 | 12/17/2010 3:34:38 PM |
| power-trophy7 | $50.00 | 12/17/2010 3:42:10 PM |
| newest-generous-income | $25.00 | 12/18/2010 7:51:56 AM |
| graceful-investment | $50.00 | 12/18/2010 8:52:38 AM |
| jazzlender | $25.00 | 12/17/2010 8:26:25 PM |
| ommcd | $25.00 | 12/19/2010 12:49:14 PM |
| Nerdster1 | $25.03 | 12/20/2010 4:54:03 AM |
| investment-artist | $25.00 | 12/20/2010 8:33:06 AM |
| geauxtigers29 | $50.00 | 12/20/2010 9:09:48 AM |
| icon7 | $25.00 | 12/20/2010 8:45:53 AM |
| zieger | $25.00 | 12/20/2010 9:19:32 AM |
| 108lender | $100.00 | 12/20/2010 9:34:44 AM |
| leverage-monger | $25.00 | 12/20/2010 10:13:21 AM |
| Nailman88 | $25.00 | 12/20/2010 10:44:25 AM |
| igotmoney | $50.00 | 12/20/2010 10:40:17 AM |
| secureincome | $1,000.00 | 12/20/2010 11:58:52 AM |
| greenback-magma1 | $50.00 | 12/20/2010 11:43:55 AM |
| simplelender80 | $100.00 | 12/17/2010 3:34:23 PM |
| Artist_Blue | $25.00 | 12/17/2010 3:38:17 PM |
| coin-bee1 | $50.00 | 12/17/2010 3:40:23 PM |
| income-sage9 | $25.00 | 12/17/2010 3:42:40 PM |
| kulender | $100.00 | 12/17/2010 3:32:43 PM |
| money-vista | $25.00 | 12/17/2010 3:44:00 PM |
| EBITDA | $25.00 | 12/17/2010 3:36:38 PM |
| transaction-circuit | $25.00 | 12/17/2010 3:37:09 PM |
| nickel-hickory | $50.00 | 12/17/2010 3:43:39 PM |
| teller | $25.00 | 12/17/2010 5:36:42 PM |
| diplomatic-wealth7 | $25.00 | 12/17/2010 3:37:54 PM |
| Redmond | $25.00 | 12/17/2010 3:38:38 PM |
| ichibon | $50.00 | 12/17/2010 3:42:23 PM |
| felicity-festival | $25.00 | 12/18/2010 5:12:33 AM |
| money-bauble | $25.00 | 12/17/2010 3:43:04 PM |
| a-finance-nirvana | $25.00 | 12/18/2010 2:42:38 AM |
| kendallv | $50.00 | 12/18/2010 7:47:06 PM |
| credit-guard5 | $25.00 | 12/18/2010 8:13:55 AM |
| JustMee | $25.00 | 12/18/2010 9:52:53 PM |
| gold-blanket0 | $25.00 | 12/19/2010 11:51:54 AM |
| DonaldColorado | $50.00 | 12/19/2010 3:15:22 PM |
| inspiring-reward | $150.00 | 12/20/2010 5:14:11 AM |
| favorite-commerce | $25.00 | 12/20/2010 7:34:41 AM |
| shiny-dollar9 | $25.00 | 12/20/2010 7:59:29 AM |
| well-mannered-income3 | $30.00 | 12/20/2010 8:43:45 AM |
| silvercertificate | $25.00 | 12/20/2010 9:11:45 AM |
| greenback-guard | $25.00 | 12/20/2010 9:34:15 AM |
| coin-financier6 | $100.00 | 12/20/2010 10:11:56 AM |
| DasMula | $25.00 | 12/20/2010 10:27:44 AM |
| 54 Investments
|
Borrower Payment Dependent Notes Series
489114
This series of Notes was issued and sold upon the funding of the borrower loan #46374, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 9.80% |
Listing Start date:
| Dec-27-2010 |
|
Term:
| 36 months | | |
Listing End date:
| Dec-27-2010 |
|
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $82.46 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Jan-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 11y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,722 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 36% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| mjd22 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 21 ( 88% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 3
( 13% )
| 740-759
(Sep-2009)
640-659
(Feb-2008)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Small loan to finish dental work
Purpose of loan:
This loan will be used to?
finish my dental work. I am having a crown installed where a tooth was pulled. I had the work done at a dental school and my dentist is graduating soon. I want to get the work done with her before she leaves. All work must be prepaid. ???? ????
My financial situation:
I am a good candidate for this loan because?
I have repaid a? Prosper loan before by my free lance writing - not affectiig family income. I have several clients now and steady income from this part time work. ???? ????
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.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
| Investor | Amount | Investment Date (PT) |
|
| Artist_Blue | $25.00 | 12/27/2010 10:41:31 AM |
| top-courteous-peso | $99.81 | 12/27/2010 10:44:18 AM |
| macbeck22 | $25.00 | 12/27/2010 10:47:59 AM |
| tech310 | $50.00 | 12/27/2010 10:49:06 AM |
| gold-channel2 | $25.00 | 12/27/2010 10:52:38 AM |
| jazzlender | $25.00 | 12/27/2010 10:57:04 AM |
| principal-trombone | $50.00 | 12/27/2010 11:00:49 AM |
| thankful-nickel2 | $25.00 | 12/27/2010 11:03:53 AM |
| kulender | $100.00 | 12/27/2010 11:08:44 AM |
| blue-useful-auction | $25.00 | 12/27/2010 11:07:21 AM |
| teller | $25.00 | 12/27/2010 11:14:34 AM |
| reward-motion | $25.00 | 12/27/2010 11:15:24 AM |
| Astyanax | $50.00 | 12/27/2010 11:57:04 AM |
| turbobunny | $50.00 | 12/27/2010 11:21:18 AM |
| Leshan | $51.46 | 12/27/2010 12:26:43 PM |
| investment-artist | $50.00 | 12/27/2010 12:42:56 PM |
| transaction-circuit | $25.00 | 12/27/2010 10:45:03 AM |
| velocity-motivator6 | $25.00 | 12/27/2010 10:50:21 AM |
| reflective-rupee | $200.00 | 12/27/2010 10:53:12 AM |
| payment-gusto | $25.00 | 12/27/2010 10:53:33 AM |
| point-kitten6 | $50.00 | 12/27/2010 10:53:16 AM |
| RetirementMoney | $25.00 | 12/27/2010 10:54:57 AM |
| DasMula | $25.00 | 12/27/2010 10:54:29 AM |
| greencat | $50.00 | 12/27/2010 10:55:24 AM |
| payout-banker4 | $25.00 | 12/27/2010 10:57:36 AM |
| Danjack_Capital | $25.00 | 12/27/2010 10:57:49 AM |
| rss197 | $25.00 | 12/27/2010 11:01:38 AM |
| Investoman | $50.00 | 12/27/2010 11:09:31 AM |
| simplelender80 | $100.00 | 12/27/2010 11:11:42 AM |
| paytonbrigadier | $250.00 | 12/27/2010 11:14:22 AM |
| jsnryn | $26.90 | 12/27/2010 12:16:03 PM |
| farchoir | $25.00 | 12/27/2010 12:16:32 PM |
| wwwUniversal | $25.00 | 12/27/2010 12:25:54 PM |
| ronin4sale | $25.00 | 12/27/2010 12:20:48 PM |
| trumpeter5 | $25.00 | 12/27/2010 12:24:21 PM |
| YoungTaxMan | $300.00 | 12/27/2010 12:41:36 PM |
| 36 Investments
|
Borrower Payment Dependent Notes Series
488137
This series of Notes was issued and sold upon the funding of the borrower loan #46328, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 7 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 14.20% |
Listing Start date:
| Dec-16-2010 |
|
Term:
| 36 months | | |
Listing End date:
| Dec-20-2010 |
|
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $305.66 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,686 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| systematic-contract7 |
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
Payoff Large Credit Card Balance
Purpose of loan: Building new home and want to payoff a large credit card balance?before closing.
This loan will be used to?
My financial situation: Have already been pre-qualified to build our new dream home & we?want to payoff a large credit card?balance before closing.?Have always?made payments on time and?honored all of my commitments.??
I am a good candidate for this loan because?
Monthly net income: $ 4600
Monthly expenses: $?3768
??Housing: $ 1605
??Insurance: $ 158
??Car expenses: $ 441?
??Utilities: $ 229
??Phone, cable, internet: $ 135
??Food, entertainment: $ 400
??Clothing, household expenses $ 200?
??Credit cards and other loans: $?400 (will be $100 after payoff of a credit card with this loan)
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
| Investor | Amount | Investment Date (PT) |
|
| Investoman | $50.00 | 12/16/2010 3:25:42 PM |
| EBITDA | $25.00 | 12/16/2010 3:26:22 PM |
| handshake5 | $100.00 | 12/16/2010 3:21:36 PM |
| Artist_Blue | $25.00 | 12/16/2010 3:29:33 PM |
| SNH | $100.00 | 12/16/2010 3:31:54 PM |
| simplelender80 | $100.00 | 12/16/2010 3:24:53 PM |
| money-bauble | $25.00 | 12/17/2010 12:56:20 AM |
| rss197 | $25.00 | 12/17/2010 4:45:18 AM |
| ingenious-deal6 | $25.00 | 12/16/2010 3:37:14 PM |
| nickel-position | $25.00 | 12/16/2010 11:13:10 PM |
| power-trophy7 | $50.00 | 12/16/2010 3:56:51 PM |
| Rogelio48 | $30.00 | 12/17/2010 9:32:41 AM |
| Redmond | $25.00 | 12/17/2010 3:11:04 PM |
| SolarMoonshine | $25.00 | 12/17/2010 4:22:13 AM |
| moola-wildebeest3 | $25.00 | 12/17/2010 5:41:33 AM |
| graceful-investment | $39.89 | 12/17/2010 3:09:58 PM |
| dedicated-transaction796 | $50.00 | 12/17/2010 7:08:00 PM |
| nilonc1 | $150.00 | 12/17/2010 10:12:22 PM |
| DonaldColorado | $50.00 | 12/18/2010 8:53:18 AM |
| economy-lotus | $49.59 | 12/18/2010 3:02:45 AM |
| wampum-chorus3 | $25.00 | 12/18/2010 4:51:40 AM |
| teller | $25.00 | 12/17/2010 5:36:36 PM |
| ukstevenhawaii | $25.00 | 12/18/2010 2:16:30 PM |
| ommcd | $25.00 | 12/19/2010 12:49:01 PM |
| platinum-celebration4 | $25.00 | 12/19/2010 7:04:27 AM |
| kegs | $150.00 | 12/19/2010 4:11:16 PM |
| HedgeFund | $50.00 | 12/18/2010 4:23:10 PM |
| gold-blanket0 | $25.00 | 12/19/2010 11:51:43 AM |
| squarebob | $25.00 | 12/20/2010 6:32:33 AM |
| well-mannered-income3 | $50.00 | 12/20/2010 8:01:34 AM |
| dinero-mason | $50.00 | 12/20/2010 8:10:49 AM |
| ITExec | $100.00 | 12/20/2010 8:24:46 AM |
| ore-seagull | $50.00 | 12/20/2010 9:54:11 AM |
| blue-silver-ruler | $25.00 | 12/20/2010 10:06:59 AM |
| sensible-trade | $50.00 | 12/20/2010 10:20:22 AM |
| careful-compassion | $25.00 | 12/20/2010 10:38:05 AM |
| investment-artist | $25.00 | 12/20/2010 10:38:33 AM |
| BigGuyBank | $25.00 | 12/20/2010 11:15:40 AM |
| 2grindstones | $25.00 | 12/20/2010 12:33:35 PM |
| ethicalhumanist | $25.00 | 12/20/2010 12:50:08 PM |
| beach_bum | $25.00 | 12/20/2010 2:07:04 PM |
| fortytwo | $50.00 | 12/20/2010 2:54:02 PM |
| flwah | $25.00 | 12/20/2010 3:04:18 PM |
| Stillinutah | $25.00 | 12/20/2010 2:36:33 PM |
| gold-channel2 | $35.14 | 12/20/2010 3:04:30 PM |
| green-capital-hornet | $25.00 | 12/20/2010 3:04:52 PM |
| AlexTrep | $25.00 | 12/20/2010 3:04:56 PM |
| Searlzy | $25.00 | 12/20/2010 3:00:59 PM |
| copper | $50.00 | 12/20/2010 3:05:12 PM |
| credit-missile | $125.00 | 12/20/2010 3:50:43 PM |
| mercuriant | $25.00 | 12/20/2010 4:29:26 PM |
| missing-link | $50.00 | 12/20/2010 4:33:56 PM |
| impressive-openness7 | $25.00 | 12/20/2010 4:40:50 PM |
| Lender_Guy | $50.00 | 12/20/2010 4:58:57 PM |
| bold-direct-asset | $50.00 | 12/20/2010 5:03:58 PM |
| JPMorrisLegacyFund | $87.97 | 12/20/2010 4:29:18 PM |
| platinum-cargo | $100.00 | 12/20/2010 5:18:48 PM |
| diplomatic-wealth7 | $25.00 | 12/16/2010 3:29:05 PM |
| nickel-hickory | $50.00 | 12/16/2010 3:59:50 PM |
| NR | $25.00 | 12/16/2010 3:32:48 PM |
| coin-bee1 | $50.00 | 12/16/2010 3:33:13 PM |
| jazzlender | $25.00 | 12/16/2010 3:34:09 PM |
| ichibon | $25.00 | 12/16/2010 3:34:26 PM |
| income-sage9 | $25.00 | 12/16/2010 8:57:51 PM |
| kulender | $50.00 | 12/16/2010 3:20:11 PM |
| reflective-rupee | $500.00 | 12/16/2010 11:16:33 PM |
| paytonbrigadier | $250.00 | 12/16/2010 3:32:32 PM |
| green-thoughtful-yield | $100.00 | 12/16/2010 3:36:48 PM |
| richboy56 | $25.00 | 12/16/2010 3:38:07 PM |
| reflective-rupee | $500.00 | 12/16/2010 11:16:45 PM |
| new-social-economist | $36.98 | 12/17/2010 5:11:31 PM |
| worthy-bid8 | $50.00 | 12/17/2010 4:51:22 PM |
| Tikibarman | $43.50 | 12/18/2010 11:23:38 AM |
| x27 | $25.00 | 12/18/2010 7:22:01 AM |
| newest-generous-income | $25.00 | 12/18/2010 7:51:48 AM |
| verdiprr | $200.00 | 12/17/2010 5:42:29 PM |
| musegaze | $50.00 | 12/17/2010 6:56:49 PM |
| a-finance-nirvana | $25.00 | 12/18/2010 2:42:15 AM |
| bid-czar8 | $42.68 | 12/18/2010 3:02:07 AM |
| treasure-bliss | $40.55 | 12/19/2010 3:09:00 PM |
| inspiring-reward | $44.16 | 12/19/2010 3:21:30 PM |
| larrybird | $150.00 | 12/19/2010 4:01:48 PM |
| Nerdster1 | $25.03 | 12/20/2010 4:53:54 AM |
| buffalobills | $25.00 | 12/20/2010 7:43:45 AM |
| CashCow-Moooo-la | $38.83 | 12/20/2010 8:14:13 AM |
| ultimate-peace | $50.00 | 12/20/2010 8:38:39 AM |
| zieger | $25.00 | 12/20/2010 9:19:23 AM |
| 108lender | $100.00 | 12/20/2010 9:34:39 AM |
| greenback-guard | $25.00 | 12/20/2010 9:34:21 AM |
| igotmoney | $50.00 | 12/20/2010 10:40:14 AM |
| Astyanax | $75.00 | 12/20/2010 11:22:44 AM |
| greenback-magma1 | $50.00 | 12/20/2010 11:43:53 AM |
| secureincome | $1,000.00 | 12/20/2010 11:58:49 AM |
| melodious-openness | $44.00 | 12/20/2010 12:01:51 PM |
| EretzCapital | $92.13 | 12/20/2010 12:54:27 PM |
| morpholog | $50.00 | 12/20/2010 3:15:47 PM |
| penny-plato | $25.00 | 12/20/2010 3:10:58 PM |
| retirementlady | $25.00 | 12/20/2010 3:15:50 PM |
| realtormoises | $25.00 | 12/20/2010 3:45:22 PM |
| astute-investment5 | $25.00 | 12/20/2010 4:29:20 PM |
| CACO_Lender | $25.00 | 12/20/2010 4:30:07 PM |
| FeedTheMachine | $50.00 | 12/20/2010 4:33:57 PM |
| brightest-dignified-penny | $25.00 | 12/20/2010 4:26:42 PM |
| samurai2 | $30.00 | 12/20/2010 5:07:39 PM |
| reward-adventure | $50.00 | 12/20/2010 4:48:52 PM |
| droopie1 | $25.00 | 12/20/2010 5:34:04 PM |
| dignified-capital2 | $40.00 | 12/20/2010 5:37:32 PM |
| BangBros | $100.00 | 12/20/2010 6:06:01 PM |
| 108 Investments
|
Borrower Payment Dependent Notes Series
488411
This series of Notes was issued and sold upon the funding of the borrower loan #46399, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 7 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 10.80% |
Listing Start date:
| Dec-20-2010 |
|
Term:
| 36 months | | |
Listing End date:
| Dec-24-2010 |
|
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $316.34 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* 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:
| Jan-1977 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 13y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $328,545 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| soldster |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Liquidity for Silver Refining
Purpose of loan:
This loan will be used to provide liquidity while we sell our scrap silver and gold to a large precious metals processor in Ohio (Ohio Precious Metals, LLC). They take 30 days to refine, and do not pay until refining is completed. We need this loan to enable us to continue buying while we await payment. Without sufficient liquidity, we must sell a large amount of our silver purchases to a local middleman. We can net about 7% more per load by selling directly to OPM. Our goal is to eventually sell all of our scrap gold and silver to the refinery and eliminate the middleman.
My financial situation:
I am a good candidate for this loan because I have a long history of on-time payments, and because the risk involved in the use of the proceeds is very low. We lock-in our silver or gold price prior to shipment, and therefore are not exposed to changes in market price. We need more funds so that we can continue buying scrap gold and silver while we await payment from the refiner.
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
Q:
Please explain your very high revolving debt level. Thanks and best wishes - reflective-rupee
A:
Short answer: working capital. I have used credit cards at 1% or 2% per month to buy scrap silver and gold. I can use $10,000 from a credit card to buy silver which I resell within the month for $11,000. The $100 or $200 per month interest I consider a cost of doing business and an offset from the profit.
(Dec-21-2010)
Q:
Is all of your $328K of revolving debt on credit cards? thanks - reflective-rupee
A:
$308,000 of it is our home equity line of credit. Our home is appraised at more than $400,000. This Prosper listings shows NO next to Home Ownership. That is incorrect. It also shows 16 open credit card lines, which is not correct. I plan to contact Experian and get the file straightened out.
(Dec-22-2010)
Q:
Why do you have a $300k+ HELOC? Most HELOCs are for doing upgrades to a house, yet you have a $300k HELOC? What do you owe on your current mortgage not counting the HELOC? - nfx
A:
The HELOC IS, repeat IS our mortgage. We converted our first mortgage to a HELOC in 2003. There is no other lien on our home other than the HELOC.
(Dec-22-2010)
question & answer
Information in Questions and Answers is not verified
| Investor | Amount | Investment Date (PT) |
|
| kulender | $100.00 | 12/20/2010 10:44:45 AM |
| paytonbrigadier | $250.00 | 12/20/2010 10:47:50 AM |
| Investoman | $50.00 | 12/20/2010 10:45:36 AM |
| SNH | $100.00 | 12/20/2010 10:47:27 AM |
| newest-generous-income | $25.00 | 12/20/2010 10:50:57 AM |
| green-thoughtful-yield | $50.00 | 12/20/2010 2:24:12 PM |
| rss197 | $25.00 | 12/20/2010 2:46:02 PM |
| fortytwo | $50.00 | 12/20/2010 2:54:20 PM |
| nickel-position | $25.00 | 12/20/2010 6:17:31 PM |
| money-bauble | $25.00 | 12/21/2010 2:56:47 AM |
| ASR3 | $50.00 | 12/21/2010 7:42:29 AM |
| hopeful-truth5 | $100.00 | 12/21/2010 7:43:38 AM |
| liberty-motivator9 | $25.00 | 12/21/2010 2:02:17 PM |
| money-yeller | $25.00 | 12/21/2010 5:11:23 PM |
| coin-bee1 | $50.00 | 12/21/2010 6:41:08 PM |
| a-finance-nirvana | $25.00 | 12/22/2010 2:18:55 AM |
| m0rlock | $100.00 | 12/22/2010 12:45:50 AM |
| finance-mushroom | $100.00 | 12/22/2010 7:42:22 AM |
| Whipster | $50.00 | 12/22/2010 8:00:48 AM |
| jono9999 | $56.20 | 12/22/2010 8:42:02 AM |
| flexible-vigilance7 | $25.00 | 12/22/2010 9:01:00 AM |
| leverage-monger | $25.00 | 12/22/2010 7:57:40 AM |
| credit-investor5 | $25.00 | 12/22/2010 8:33:49 AM |
| djmgd790 | $28.65 | 12/22/2010 9:33:44 AM |
| AgioNiko | $50.00 | 12/22/2010 11:03:17 AM |
| Cash_Angel | $25.00 | 12/22/2010 12:40:38 PM |
| famous-bill | $25.00 | 12/22/2010 11:41:37 AM |
| top-investment-american | $50.00 | 12/22/2010 1:15:40 PM |
| rate-mogul | $50.00 | 12/22/2010 8:55:43 PM |
| FoosMaster | $162.55 | 12/22/2010 9:24:43 PM |
| revenue-achievement | $25.00 | 12/22/2010 10:05:44 PM |
| freshdiet | $50.00 | 12/22/2010 7:16:42 PM |
| Vreet | $50.00 | 12/22/2010 11:00:48 PM |
| richrobe | $50.00 | 12/22/2010 8:32:22 PM |
| zen1cent | $25.00 | 12/22/2010 7:39:50 PM |
| profit-powerplant | $25.00 | 12/23/2010 1:27:07 AM |
| AlexTrep | $25.00 | 12/23/2010 6:07:14 AM |
| thestartuplender | $50.00 | 12/23/2010 5:20:47 AM |
| relentless-fund1 | $50.00 | 12/23/2010 9:01:23 AM |
| favorite-commerce | $50.00 | 12/23/2010 9:06:38 AM |
| schmegs | $25.00 | 12/23/2010 9:17:57 AM |
| Lubava | $25.00 | 12/23/2010 10:28:13 AM |
| the-dollar-topper | $100.00 | 12/23/2010 11:12:30 AM |
| DeutscheBank | $25.00 | 12/23/2010 12:47:01 PM |
| credit-wheel7 | $25.00 | 12/23/2010 1:28:09 PM |
| jamiee73 | $25.00 | 12/23/2010 2:42:13 PM |
| invincible-peso | $50.00 | 12/23/2010 3:14:38 PM |
| first-serene-credit | $25.00 | 12/23/2010 4:20:12 PM |
| HermanstadtKid | $25.00 | 12/23/2010 5:01:16 PM |
| ommcd | $25.00 | 12/23/2010 6:52:26 PM |
| benefit-pro | $25.00 | 12/23/2010 8:35:01 PM |
| MADAOO7 | $50.00 | 12/23/2010 8:47:42 PM |
| mla | $25.00 | 12/23/2010 10:41:06 PM |
| TeamRamRod | $50.00 | 12/23/2010 10:41:32 PM |
| gotjack | $25.00 | 12/24/2010 1:51:32 AM |
| nodrivelpls | $25.00 | 12/24/2010 1:52:25 AM |
| orange-preeminant-bill | $50.00 | 12/24/2010 2:30:50 AM |
| dollar-sonnet3 | $25.97 | 12/24/2010 2:31:01 AM |
| stock106 | $25.00 | 12/24/2010 2:07:17 AM |
| FeedTheMachine | $50.00 | 12/24/2010 2:31:12 AM |
| COCHINOBOY | $25.00 | 12/24/2010 6:37:35 AM |
| justsk8tingby | $26.08 | 12/24/2010 7:49:57 AM |
| mckhbnpc | $30.00 | 12/24/2010 8:15:23 AM |
| radiant-loan5 | $50.00 | 12/24/2010 7:47:52 AM |
| secureincome | $1,500.00 | 12/24/2010 7:43:38 AM |
| umfan123 | $25.00 | 12/24/2010 7:47:43 AM |
| gristle_mcthornbody | $25.00 | 12/24/2010 7:48:40 AM |
| contract-high-five | $25.00 | 12/24/2010 7:51:39 AM |
| WilliamLeeSims | $25.00 | 12/24/2010 8:35:45 AM |
| power-trophy7 | $50.00 | 12/20/2010 10:48:27 AM |
| teller | $25.00 | 12/20/2010 10:49:50 AM |
| 108lender | $150.00 | 12/20/2010 10:54:56 AM |
| Dollarhide | $25.00 | 12/20/2010 2:55:13 PM |
| gold-commander0 | $50.00 | 12/20/2010 6:29:57 PM |
| Artist_Blue | $25.00 | 12/21/2010 7:05:36 AM |
| greenback-magma1 | $50.00 | 12/21/2010 8:52:09 AM |
| washboard1 | $25.00 | 12/21/2010 9:50:37 AM |
| new-peso-concerto | $75.00 | 12/21/2010 10:13:50 AM |
| green-moola-sniffer | $50.00 | 12/21/2010 10:55:10 AM |
| gardenofeden | $26.91 | 12/21/2010 12:27:58 PM |
| J-Rott | $50.00 | 12/21/2010 1:24:37 PM |
| graceful-investment | $100.00 | 12/21/2010 2:44:36 PM |
| VAGweilo | $50.00 | 12/21/2010 3:45:28 PM |
| mammalian4 | $25.00 | 12/21/2010 4:01:14 PM |
| dollardave | $50.00 | 12/21/2010 4:25:31 PM |
| octoberfresh | $25.00 | 12/21/2010 5:33:08 PM |
| loss-of-control | $100.00 | 12/21/2010 4:45:28 PM |
| thankful-nickel2 | $25.00 | 12/21/2010 7:18:11 PM |
| Dalrymple | $40.00 | 12/21/2010 8:36:05 PM |
| Kash2010lu | $25.00 | 12/21/2010 10:22:50 PM |
| loyalist1 | $50.00 | 12/22/2010 6:42:04 AM |
| worthy-bid8 | $25.32 | 12/22/2010 2:32:59 AM |
| simplelender80 | $100.00 | 12/22/2010 4:06:40 AM |
| reflective-rupee | $300.00 | 12/22/2010 7:50:30 AM |
| attractive-fund | $50.00 | 12/22/2010 9:40:42 AM |
| 0403 | $25.00 | 12/22/2010 9:53:50 AM |
| rogue_monster | $50.00 | 12/22/2010 9:25:47 AM |
| imoutdoorsy | $25.00 | 12/22/2010 11:01:43 AM |
| mammalian4 | $50.00 | 12/22/2010 1:20:15 PM |
| abnvette | $36.90 | 12/22/2010 12:18:23 PM |
| Galdis | $25.00 | 12/22/2010 12:49:36 PM |
| paperbuyers | $25.00 | 12/22/2010 7:34:56 PM |
| MilitaryLending | $25.00 | 12/22/2010 3:55:45 PM |
| NedNederlanderII | $50.00 | 12/22/2010 4:50:43 PM |
| panther757 | $25.00 | 12/22/2010 10:40:45 PM |
| inspiring-reward | $104.15 | 12/23/2010 1:04:19 AM |
| treasure-bliss | $50.00 | 12/23/2010 1:05:26 AM |
| flwah | $25.00 | 12/23/2010 12:51:34 AM |
| dedicated-transaction796 | $36.59 | 12/23/2010 1:22:27 AM |
| MONEYMATCH | $25.00 | 12/23/2010 3:33:23 AM |
| goodhearted-gold3 | $73.93 | 12/23/2010 8:35:37 AM |
| KateV | $27.00 | 12/23/2010 7:16:02 AM |
| greencat | $50.00 | 12/23/2010 7:20:24 AM |
| indianoven | $25.00 | 12/23/2010 8:31:43 AM |
| finance-prescription | $50.00 | 12/23/2010 9:02:08 AM |
| mercuriant | $25.00 | 12/23/2010 9:19:41 AM |
| natural-greenback6 | $25.00 | 12/23/2010 9:45:23 AM |
| top-benefit-sequoia | $25.00 | 12/23/2010 10:00:44 AM |
| Diamond_Jim | $25.00 | 12/23/2010 11:27:40 AM |
| contract-student2 | $50.00 | 12/23/2010 12:50:03 PM |
| jubilant-agreement0 | $25.00 | 12/23/2010 1:22:14 PM |
| pleasureman | $25.00 | 12/23/2010 12:49:17 PM |
| SWAMPBUGGY | $25.00 | 12/23/2010 2:07:48 PM |
| CaliforniaSun | $25.00 | 12/23/2010 4:45:48 PM |
| beest | $86.39 | 12/23/2010 7:09:17 PM |
| novice-speculator | $25.00 | 12/23/2010 7:06:07 PM |
| tech310 | $50.00 | 12/23/2010 8:39:39 PM |
| musegaze | $50.00 | 12/23/2010 9:19:30 PM |
| gjm6d | $25.00 | 12/24/2010 6:40:12 AM |
| jgar_O | $30.00 | 12/24/2010 6:10:42 AM |
| trimwork99 | $25.00 | 12/24/2010 7:35:39 AM |
| wwwUniversal | $25.00 | 12/24/2010 7:47:47 AM |
| 132 Investments
|
Borrower Payment Dependent Notes Series
488569
This series of Notes was issued and sold upon the funding of the borrower loan #46396, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 9.80% |
Listing Start date:
| Dec-27-2010 |
|
Term:
| 36 months | | |
Listing End date:
| Dec-27-2010 |
|
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $123.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1990 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,379 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| midnight559 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2007)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Ready to relocate, so I'm back
Purpose of loan:
This loan will be used to help with a down payment for my move to be closer to my family?
My financial situation:
I am a good candidate for this loan because?I pay my debts. I had a Prosper loan awhile back and paid it off early.
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.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
| Investor | Amount | Investment Date (PT) |
|
| Artist_Blue | $25.00 | 12/27/2010 10:41:50 AM |
| revenue-achievement | $25.00 | 12/27/2010 10:46:28 AM |
| panther757 | $25.00 | 12/27/2010 10:46:36 AM |
| tech310 | $50.00 | 12/27/2010 10:49:01 AM |
| macbeck22 | $25.00 | 12/27/2010 10:47:56 AM |
| gold-channel2 | $25.00 | 12/27/2010 10:52:33 AM |
| Fire2 | $25.00 | 12/27/2010 10:52:56 AM |
| reflective-rupee | $400.00 | 12/27/2010 10:55:31 AM |
| payout-banker4 | $25.00 | 12/27/2010 10:57:31 AM |
| principal-trombone | $50.00 | 12/27/2010 11:00:45 AM |
| rss197 | $25.00 | 12/27/2010 11:01:32 AM |
| Investoman | $50.00 | 12/27/2010 11:09:25 AM |
| kulender | $100.00 | 12/27/2010 11:08:38 AM |
| paytonbrigadier | $250.00 | 12/27/2010 11:14:16 AM |
| green-thoughtful-yield | $50.00 | 12/27/2010 10:46:18 AM |
| DasMula | $50.00 | 12/27/2010 10:47:58 AM |
| DeutscheBank | $25.00 | 12/27/2010 10:47:39 AM |
| velocity-motivator6 | $25.00 | 12/27/2010 10:50:16 AM |
| RetirementMoney | $25.00 | 12/27/2010 10:49:50 AM |
| payment-gusto | $25.00 | 12/27/2010 10:53:27 AM |
| point-kitten6 | $50.00 | 12/27/2010 10:53:13 AM |
| jazzlender | $25.00 | 12/27/2010 10:57:00 AM |
| LiveNow | $25.00 | 12/27/2010 10:57:48 AM |
| CommunityArts_Non-profit | $25.00 | 12/27/2010 11:00:04 AM |
| thankful-nickel2 | $25.00 | 12/27/2010 11:01:37 AM |
| Danjack_Capital | $25.00 | 12/27/2010 10:59:59 AM |
| the-silver-blaster | $50.00 | 12/27/2010 11:01:16 AM |
| greencat | $50.00 | 12/27/2010 11:08:51 AM |
| blue-useful-auction | $25.00 | 12/27/2010 11:11:01 AM |
| simplelender80 | $100.00 | 12/27/2010 11:11:23 AM |
| teller | $25.00 | 12/27/2010 11:14:29 AM |
| reward-motion | $25.00 | 12/27/2010 11:15:23 AM |
| LittleMingo | $25.00 | 12/27/2010 11:24:33 AM |
| Aberdeen | $1,300.00 | 12/27/2010 11:39:29 AM |
| 34 Investments
|
Borrower Payment Dependent Notes Series
488865
This series of Notes was issued and sold upon the funding of the borrower loan #46368, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $12,600.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 4.95% |
Listing Start date:
| Dec-23-2010 |
|
Term:
| 60 months | | |
Listing End date:
| Dec-24-2010 |
|
|
Lender yield:
| 15.40% |
Borrower rate/APR:
| 16.40% / 17.81% |
Monthly payment:
| $309.09 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.14% | | |
| |
Estimated return*:
| 10.19% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1990 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 71 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,088 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| DenverCapital |
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 / 2 |
On-time:
| 6 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $6,400.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2009)
680-699
(Sep-2009)
700-719
(May-2008)
720-739
(Nov-2007)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Pay off credit card
Purpose of loan:
This loan will be used to pay off my last remaining high-interest credit card.
My financial situation:
I am a good candidate for this loan due to the fact that I have a solid credit rating, great income, and have had a spotless payment record here on Prosper.? In fact, I have repaid all of my loans early, usually in 12-18 months.
Monthly net income: $ 10,400
Monthly expenses: $ 7000
??Housing: $
1900
??Insurance: $
200
??Car expenses: $
1000
??Utilities: $
300
??Phone, cable, internet: $ 100
??Food, entertainment: $
1000
??Clothing, household expenses $
500
??Credit cards and other loans: $
1000
??Other expenses: $
1000
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
| Investor | Amount | Investment Date (PT) |
|
| littlemonkey | $25.00 | 12/23/2010 9:50:32 AM |
| busnssmn | $25.00 | 12/23/2010 9:50:36 AM |
| rss197 | $25.00 | 12/23/2010 9:55:04 AM |
| enthralling-deal180 | $50.00 | 12/23/2010 9:50:56 AM |
| gentle-note | $25.00 | 12/23/2010 9:55:41 AM |
| riproaringrapids | $25.00 | 12/23/2010 9:53:20 AM |
| active-market | $27.94 | 12/23/2010 9:53:32 AM |
| logical-reward8 | $25.00 | 12/23/2010 9:56:31 AM |
| uarewhatuthink | $25.00 | 12/23/2010 9:52:20 AM |
| investment-comet | $25.00 | 12/23/2010 9:57:23 AM |
| reflective-rupee | $200.00 | 12/23/2010 9:53:23 AM |
| Investoman | $100.00 | 12/23/2010 9:58:12 AM |
| SNH | $100.00 | 12/23/2010 9:57:41 AM |
| nickel-position | $50.00 | 12/23/2010 9:58:24 AM |
| C_Mark | $50.00 | 12/23/2010 9:59:05 AM |
| simplelender80 | $100.00 | 12/23/2010 9:56:28 AM |
| Bank42 | $31.34 | 12/23/2010 9:56:54 AM |
| objective-investor | $150.00 | 12/23/2010 9:59:50 AM |
| ROCKI9 | $50.00 | 12/23/2010 9:59:43 AM |
| investment-star | $50.00 | 12/23/2010 10:00:24 AM |
| Palacios | $50.00 | 12/23/2010 10:00:39 AM |
| refined-penny | $25.00 | 12/23/2010 10:01:26 AM |
| funnymoney1 | $25.00 | 12/23/2010 10:02:22 AM |
| GrommetPosse | $50.00 | 12/23/2010 10:00:50 AM |
| green-moola-sniffer | $50.00 | 12/23/2010 10:01:20 AM |
| nilonc1 | $100.00 | 12/23/2010 10:02:35 AM |
| AF_Trust | $48.21 | 12/23/2010 10:01:33 AM |
| fotep-financial | $25.00 | 12/23/2010 10:01:39 AM |
| wonderful-dime | $25.00 | 12/23/2010 10:03:28 AM |
| green-planet-guy | $26.00 | 12/23/2010 10:03:21 AM |
| Buddy07 | $50.00 | 12/23/2010 10:02:11 AM |
| cropdust3r | $25.00 | 12/23/2010 10:04:12 AM |
| skuba | $50.00 | 12/23/2010 10:05:12 AM |
| dansarkis | $25.00 | 12/23/2010 10:03:46 AM |
| siege01 | $25.00 | 12/23/2010 10:06:13 AM |
| ASR3 | $35.00 | 12/23/2010 10:06:19 AM |
| fizwahh | $50.00 | 12/23/2010 10:04:07 AM |
| Artist_Blue | $25.00 | 12/23/2010 10:06:09 AM |
| Barak | $100.00 | 12/23/2010 10:06:49 AM |
| hopeful-truth5 | $100.00 | 12/23/2010 10:06:24 AM |
| RoyFauntleroy | $50.00 | 12/23/2010 10:06:32 AM |
| neutrino6 | $25.00 | 12/23/2010 10:08:38 AM |
| aldeed | $50.00 | 12/23/2010 10:10:14 AM |
| rate-mogul | $50.00 | 12/23/2010 10:10:50 AM |
| panther757 | $25.00 | 12/23/2010 10:11:36 AM |
| excellent-community | $50.00 | 12/23/2010 10:12:49 AM |
| greencat | $50.00 | 12/23/2010 10:17:19 AM |
| shingu79 | $48.85 | 12/23/2010 10:18:25 AM |
| JustMee | $25.00 | 12/23/2010 11:21:57 AM |
| DasMula | $25.00 | 12/23/2010 11:23:12 AM |
| money-bauble | $25.00 | 12/23/2010 11:27:01 AM |
| c-gurista-5 | $25.00 | 12/23/2010 11:44:57 AM |
| competent-p2p | $50.00 | 12/23/2010 11:42:27 AM |
| mistertao | $25.00 | 12/23/2010 11:52:29 AM |
| Dweeberkitty1 | $50.00 | 12/23/2010 12:43:41 PM |
| newest-funds-powerplant | $25.00 | 12/23/2010 12:51:35 PM |
| pouch7 | $25.00 | 12/23/2010 1:32:15 PM |
| vutah | $25.00 | 12/23/2010 2:22:27 PM |
| jamiee73 | $25.00 | 12/23/2010 2:38:16 PM |
| benefit-comforter | $50.00 | 12/23/2010 3:05:53 PM |
| credit-guard5 | $25.00 | 12/23/2010 3:13:22 PM |
| smallfry | $50.00 | 12/23/2010 3:52:19 PM |
| katnmouse | $30.00 | 12/23/2010 4:32:04 PM |
| Techne_Funds_LLC | $25.00 | 12/23/2010 4:33:09 PM |
| deal-enrichment | $25.00 | 12/23/2010 4:37:14 PM |
| CaliforniaSun | $25.00 | 12/23/2010 4:50:32 PM |
| GElender | $50.00 | 12/23/2010 5:44:32 PM |
| intuitive-hope9 | $25.00 | 12/23/2010 5:37:01 PM |
| worthy-bid8 | $50.00 | 12/23/2010 6:52:25 PM |
| soulblest | $66.09 | 12/23/2010 7:05:38 PM |
| PLending | $30.00 | 12/23/2010 7:33:40 PM |
| GlobalLending | $25.00 | 12/23/2010 7:43:44 PM |
| rcmso | $100.00 | 12/23/2010 8:07:20 PM |
| BzJ108 | $31.42 | 12/23/2010 8:02:56 PM |
| benefit-pro | $25.00 | 12/23/2010 8:30:06 PM |
| tech310 | $50.00 | 12/23/2010 8:39:27 PM |
| 2brotherslending | $100.00 | 12/23/2010 8:41:41 PM |
| Victor-E-Lane | $25.00 | 12/23/2010 8:41:57 PM |
| StrongMonty | $25.00 | 12/23/2010 8:51:32 PM |
| vegibenz | $25.00 | 12/24/2010 1:24:41 AM |
| KiwiElf | $30.67 | 12/24/2010 1:32:14 AM |
| poolshark72 | $25.00 | 12/23/2010 10:57:14 PM |
| jtradition | $29.51 | 12/24/2010 1:31:48 AM |
| ash135 | $25.00 | 12/24/2010 1:32:29 AM |
| Cheburashka | $25.00 | 12/24/2010 1:32:59 AM |
| ClearLake | $25.00 | 12/24/2010 1:41:29 AM |
| Aberdeen | $5,000.00 | 12/24/2010 1:51:19 AM |
| Searlzy | $25.00 | 12/24/2010 1:31:40 AM |
| IIP77 | $25.00 | 12/24/2010 1:32:52 AM |
| WindyKid | $25.00 | 12/24/2010 1:42:20 AM |
| checkuto | $25.00 | 12/23/2010 9:50:42 AM |
| jazzlender | $25.00 | 12/23/2010 9:51:05 AM |
| bigphish | $25.00 | 12/23/2010 9:51:49 AM |
| indomitable-coin | $100.00 | 12/23/2010 9:52:35 AM |
| careful-note | $100.00 | 12/23/2010 9:51:24 AM |
| visionary-currency | $25.00 | 12/23/2010 9:54:23 AM |
| radforj22 | $25.00 | 12/23/2010 9:55:21 AM |
| junctionking | $25.00 | 12/23/2010 9:56:00 AM |
| valiant-liberty4 | $25.00 | 12/23/2010 9:56:15 AM |
| 108lender | $200.00 | 12/23/2010 9:52:48 AM |
| power-trophy7 | $25.00 | 12/23/2010 9:57:29 AM |
| five-star-responsibility0 | $50.00 | 12/23/2010 9:55:51 AM |
| velocity-solo | $25.00 | 12/23/2010 9:56:21 AM |
| AFairDeal | $50.00 | 12/23/2010 9:59:13 AM |
| teller | $25.00 | 12/23/2010 9:58:42 AM |
| gracej | $25.00 | 12/23/2010 9:59:31 AM |
| subtle-revenue0 | $25.00 | 12/23/2010 9:59:19 AM |
| PhalanxBulldog | $25.00 | 12/23/2010 10:00:17 AM |
| ptjg | $50.00 | 12/23/2010 10:00:36 AM |
| newest-generous-income | $25.00 | 12/23/2010 9:58:53 AM |
| tender-integrity3 | $100.00 | 12/23/2010 10:00:58 AM |
| MasterKey | $25.00 | 12/23/2010 9:59:24 AM |
| BigLinCT | $25.00 | 12/23/2010 10:01:44 AM |
| Tradesmanlender | $35.00 | 12/23/2010 10:03:35 AM |
| loyalist1 | $100.00 | 12/23/2010 10:03:41 AM |
| credit-kahuna | $50.00 | 12/23/2010 10:03:06 AM |
| mkl42 | $50.00 | 12/23/2010 10:05:25 AM |
| Pulchritudinous | $25.00 | 12/23/2010 10:05:04 AM |
| open-moola | $50.00 | 12/23/2010 10:07:01 AM |
| 1stBankAndHal | $25.00 | 12/23/2010 10:09:29 AM |
| kmr2 | $200.00 | 12/23/2010 10:09:33 AM |
| freshdiet | $100.00 | 12/23/2010 10:10:19 AM |
| christmaslightpro | $25.00 | 12/23/2010 10:10:27 AM |
| lending_well | $50.00 | 12/23/2010 10:09:18 AM |
| Frugal | $25.00 | 12/23/2010 10:10:02 AM |
| kbodendorf | $50.00 | 12/23/2010 10:10:07 AM |
| revmax | $50.00 | 12/23/2010 10:10:38 AM |
| vanderhp | $25.00 | 12/23/2010 10:10:44 AM |
| archeanchaos | $25.00 | 12/23/2010 10:11:57 AM |
| kulender | $50.00 | 12/23/2010 10:12:02 AM |
| gjh37 | $50.00 | 12/23/2010 10:12:09 AM |
| CornerKetch | $25.00 | 12/23/2010 10:12:10 AM |
| revenue-achievement | $25.00 | 12/23/2010 10:11:15 AM |
| aasx1108 | $25.00 | 12/23/2010 10:12:16 AM |
| power-expert | $25.00 | 12/23/2010 10:12:28 AM |
| haryassman | $25.00 | 12/23/2010 10:12:43 AM |
| motivator796 | $25.00 | 12/23/2010 10:12:52 AM |
| krazydavet | $25.00 | 12/23/2010 10:12:51 AM |
| rhodylend | $25.00 | 12/23/2010 10:12:41 AM |
| wampum-optimization | $50.00 | 12/23/2010 10:19:09 AM |
| Shamrock731 | $27.60 | 12/23/2010 11:11:01 AM |
| the-dollar-topper | $100.00 | 12/23/2010 11:12:44 AM |
| indomitable-coin | $100.00 | 12/23/2010 11:14:20 AM |
| JMP | $50.00 | 12/23/2010 11:15:34 AM |
| bold-worth-vinyl | $50.00 | 12/23/2010 11:15:37 AM |
| DasMula | $100.00 | 12/23/2010 11:22:56 AM |
| Sol_Invictus | $25.00 | 12/23/2010 11:43:34 AM |
| THEMONEYLENDER | $25.00 | 12/23/2010 12:03:30 PM |
| RetirementMoney | $25.00 | 12/23/2010 12:04:58 PM |
| first-serene-credit | $25.00 | 12/23/2010 12:20:00 PM |
| investment-cluster | $25.00 | 12/23/2010 12:39:53 PM |
| DeutscheBank | $25.00 | 12/23/2010 1:02:57 PM |
| interest88 | $25.00 | 12/23/2010 1:24:08 PM |
| lender12345 | $25.00 | 12/23/2010 1:29:19 PM |
| credit-panda1 | $25.00 | 12/23/2010 1:22:16 PM |
| Johnab | $25.00 | 12/23/2010 1:44:50 PM |
| wise-agile-investment | $25.00 | 12/23/2010 2:18:18 PM |
| investment-seeker7 | $29.35 | 12/23/2010 2:07:13 PM |
| invincible-peso | $150.00 | 12/23/2010 3:12:06 PM |
| malomar66 | $75.00 | 12/23/2010 4:02:19 PM |
| julijask | $35.00 | 12/23/2010 4:21:59 PM |
| one-midas | $100.00 | 12/23/2010 4:31:12 PM |
| Gobsek | $25.00 | 12/23/2010 5:48:59 PM |
| anti-wall-st | $75.00 | 12/23/2010 5:22:15 PM |
| jenq0001 | $25.00 | 12/23/2010 5:57:52 PM |
| weiyinsan | $50.00 | 12/23/2010 5:16:22 PM |
| all_of_that_one | $40.81 | 12/23/2010 6:15:16 PM |
| 29Palms | $40.00 | 12/23/2010 6:27:53 PM |
| derec | $25.00 | 12/23/2010 6:32:08 PM |
| productive-principal7 | $25.00 | 12/23/2010 6:09:21 PM |
| fortytwo | $70.72 | 12/23/2010 6:52:34 PM |
| Vreet | $50.00 | 12/23/2010 6:52:56 PM |
| visionary-asset5 | $50.00 | 12/23/2010 7:22:23 PM |
| irrelevant | $25.00 | 12/23/2010 7:29:14 PM |
| rpg | $50.00 | 12/23/2010 7:51:21 PM |
| auction-chomper4 | $25.00 | 12/23/2010 8:03:41 PM |
| rcmso | $400.00 | 12/23/2010 8:07:34 PM |
| KFB_Investments | $35.00 | 12/23/2010 8:10:17 PM |
| jpblan11 | $25.00 | 12/23/2010 8:36:10 PM |
| elloboverde | $30.00 | 12/23/2010 9:09:11 PM |
| FinanceEngine | $30.00 | 12/23/2010 8:55:12 PM |
| Peer-to-PeerFunding | $50.00 | 12/23/2010 9:27:50 PM |
| knowledgeable-silver8 | $25.00 | 12/23/2010 9:04:05 PM |
| Mikale360 | $25.00 | 12/23/2010 9:19:10 PM |
| lendpeoplemoney | $25.00 | 12/23/2010 11:15:17 PM |
| frankdelraza | $25.00 | 12/24/2010 1:31:43 AM |
| rmachi | $25.00 | 12/24/2010 1:24:12 AM |
| Veltliner | $25.00 | 12/24/2010 1:31:50 AM |
| fishman42 | $25.00 | 12/24/2010 1:37:31 AM |
| laufer32304 | $27.69 | 12/24/2010 1:39:44 AM |
| RB_Double-A_Bravo | $25.00 | 12/24/2010 1:39:25 AM |
| faldska | $25.00 | 12/24/2010 1:31:36 AM |
| Easystreet | $25.00 | 12/24/2010 1:32:45 AM |
| omerta6102 | $46.27 | 12/24/2010 1:33:05 AM |
| 194 Investments
|
Borrower Payment Dependent Notes Series
488957
This series of Notes was issued and sold upon the funding of the borrower loan #46325, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 9.80% |
Listing Start date:
| Dec-23-2010 |
|
Term:
| 36 months | | |
Listing End date:
| Dec-23-2010 |
|
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $206.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 27y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,473 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| CBO |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 13 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Jan-2008)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
paying off credit cards
Purpose of loan:
This loan will be used to?consolidate credit card debt
My financial situation:
I am a good candidate for this loan because I have a good job,I have always payed my bills on time and have a good credit history.?
Monthly net income: $
2,600
Monthly expenses: $
??Housing: $
660
??Insurance: $
100
??Car expenses: $
0
??Utilities: $
200
??Phone, cable, internet: $
250
??Food, entertainment: $ 500
??Clothing, household expenses $
150
??Credit cards and other loans: $
300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
| Investor | Amount | Investment Date (PT) |
|
| kulender | $50.00 | 12/23/2010 9:52:07 AM |
| simplelender80 | $100.00 | 12/23/2010 9:51:18 AM |
| Skeptical-one | $49.00 | 12/23/2010 9:56:46 AM |
| Investoman | $50.00 | 12/23/2010 9:53:13 AM |
| paytonbrigadier | $250.00 | 12/23/2010 9:58:06 AM |
| nickel-position | $25.00 | 12/23/2010 10:00:26 AM |
| reward-motion | $25.00 | 12/23/2010 10:00:06 AM |
| integrity-doctor | $100.00 | 12/23/2010 10:04:47 AM |
| B-rad_the_Coug | $25.00 | 12/23/2010 10:04:54 AM |
| 113121 | $400.00 | 12/23/2010 10:09:09 AM |
| nickel-hickory | $50.00 | 12/23/2010 10:08:50 AM |
| 1stBankAndHal | $25.00 | 12/23/2010 10:09:31 AM |
| revenue-achievement | $25.00 | 12/23/2010 10:11:25 AM |
| reflective-rupee | $1,250.00 | 12/23/2010 10:20:28 AM |
| DasMula | $57.00 | 12/23/2010 10:24:10 AM |
| Credit2Prosper | $25.00 | 12/23/2010 11:06:35 AM |
| lendstats_com | $200.00 | 12/23/2010 11:57:33 AM |
| LittleMingo | $35.00 | 12/23/2010 12:02:16 PM |
| Astyanax | $50.00 | 12/23/2010 12:02:27 PM |
| Bocephus1959 | $25.00 | 12/23/2010 12:46:13 PM |
| DeutscheBank | $25.00 | 12/23/2010 12:47:31 PM |
| foothillender | $25.00 | 12/23/2010 12:49:11 PM |
| interest88 | $25.00 | 12/23/2010 1:23:40 PM |
| rapid-currency | $100.00 | 12/23/2010 2:17:38 PM |
| bughead | $25.00 | 12/23/2010 2:29:26 PM |
| exciting-fairness | $200.00 | 12/23/2010 2:26:57 PM |
| vutah | $25.00 | 12/23/2010 2:29:01 PM |
| Moe87 | $25.00 | 12/23/2010 2:43:28 PM |
| SkyLoan | $28.00 | 12/23/2010 2:59:38 PM |
| corporatejim | $46.78 | 12/23/2010 3:00:01 PM |
| Onlyhappycustomers | $25.00 | 12/23/2010 3:46:16 PM |
| blue-dollar-viking | $25.00 | 12/23/2010 4:50:59 PM |
| buffalobills | $25.00 | 12/23/2010 4:44:49 PM |
| redhead21 | $45.00 | 12/23/2010 5:09:11 PM |
| patriot384 | $25.00 | 12/23/2010 4:44:36 PM |
| HermanstadtKid | $30.00 | 12/23/2010 5:03:59 PM |
| Gobsek | $25.00 | 12/23/2010 5:48:26 PM |
| vineet | $25.10 | 12/23/2010 5:18:07 PM |
| brightest-dignified-penny | $25.00 | 12/23/2010 5:41:45 PM |
| penny-plato | $25.00 | 12/23/2010 5:45:01 PM |
| head | $25.00 | 12/23/2010 6:14:08 PM |
| umfan123 | $25.00 | 12/23/2010 5:57:49 PM |
| coasterman | $25.00 | 12/23/2010 5:58:43 PM |
| tigercat | $50.00 | 12/23/2010 6:10:49 PM |
| Danjack_Capital | $25.00 | 12/23/2010 9:53:48 AM |
| teller | $25.00 | 12/23/2010 9:58:32 AM |
| finance-mushroom | $25.00 | 12/23/2010 10:04:04 AM |
| Artist_Blue | $25.00 | 12/23/2010 10:05:45 AM |
| greencat | $50.00 | 12/23/2010 10:06:09 AM |
| golffish2 | $50.00 | 12/23/2010 10:09:25 AM |
| golffish2 | $50.00 | 12/23/2010 10:09:27 AM |
| green-thoughtful-yield | $50.00 | 12/23/2010 10:11:10 AM |
| panther757 | $25.00 | 12/23/2010 10:11:45 AM |
| Mr-Miracle | $50.00 | 12/23/2010 11:09:22 AM |
| Mr-Miracle | $25.00 | 12/23/2010 11:12:43 AM |
| JustMee | $25.00 | 12/23/2010 11:20:34 AM |
| vine99 | $50.00 | 12/23/2010 11:46:18 AM |
| competent-p2p | $50.00 | 12/23/2010 11:45:58 AM |
| MoneyTree79 | $35.00 | 12/23/2010 12:50:12 PM |
| lender12345 | $25.00 | 12/23/2010 1:29:43 PM |
| SolarMoonshine | $25.00 | 12/23/2010 1:42:49 PM |
| bold-direct-asset | $50.00 | 12/23/2010 2:27:01 PM |
| Moe87 | $25.00 | 12/23/2010 2:30:25 PM |
| five-star-note | $100.00 | 12/23/2010 2:37:41 PM |
| vutah | $25.00 | 12/23/2010 2:28:20 PM |
| THE-ROI-Strategist | $25.00 | 12/23/2010 2:31:57 PM |
| zdaddy3 | $28.82 | 12/23/2010 2:52:12 PM |
| credit-guard5 | $25.00 | 12/23/2010 3:00:01 PM |
| thankful-nickel2 | $25.00 | 12/23/2010 2:56:33 PM |
| Mikale360 | $25.00 | 12/23/2010 3:26:12 PM |
| Kyileo | $25.00 | 12/23/2010 4:10:32 PM |
| samurai2 | $30.00 | 12/23/2010 4:28:55 PM |
| one-midas | $25.00 | 12/23/2010 4:36:12 PM |
| CaliforniaSun | $25.00 | 12/23/2010 4:38:27 PM |
| clemclan | $25.00 | 12/23/2010 5:02:59 PM |
| dudebrah | $25.00 | 12/23/2010 5:48:09 PM |
| Cliffie83 | $43.46 | 12/23/2010 5:30:42 PM |
| mikeandcat | $100.00 | 12/23/2010 6:47:46 PM |
| p2ploan-sensation211 | $25.00 | 12/23/2010 6:02:23 PM |
| DoctorJoe | $25.00 | 12/23/2010 6:37:04 PM |
| all_of_that_one | $40.00 | 12/23/2010 6:12:37 PM |
| 81 Investments
|
Borrower Payment Dependent Notes Series
489021
This series of Notes was issued and sold upon the funding of the borrower loan #46365, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,100.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 9.80% |
Listing Start date:
| Dec-27-2010 |
|
Term:
| 36 months | | |
Listing End date:
| Dec-27-2010 |
|
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $86.58 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-2001 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 680-699 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 13y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,579 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| whitetig |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 39 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $4,700.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jul-2008)
720-739
(Dec-2007)
700-719
(Jul-2007)
700-719
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 39 | | |
Description
security deposit for apartment
Purpose of loan:
This loan will be used for a security deposit and last months rent on a new apartment that is walking distance from work.
My financial situation:
I am a good candidate for this loan because I have a steady job with a good track record of timely payments.
Monthly net income: $1,320
Monthly expenses: $1,197
??Housing: $550
??Insurance: $94
??Car expenses: $85
??Utilities: $45
??Phone, cable, internet: $10
??Food, entertainment: $187
??Clothing, household expenses $58
??Credit cards and other loans: $168
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
| Investor | Amount | Investment Date (PT) |
|
| nilonc1 | $100.00 | 12/27/2010 10:39:33 AM |
| Aberdeen | $2,100.00 | 12/27/2010 10:45:17 AM |
| nickel-hickory | $50.00 | 12/27/2010 10:45:09 AM |
| transaction-circuit | $25.00 | 12/27/2010 10:45:00 AM |
| Artist_Blue | $25.00 | 12/27/2010 10:41:42 AM |
| B-rad_the_Coug | $25.00 | 12/27/2010 10:40:53 AM |
| 6 Investments
|
Borrower Payment Dependent Notes Series
489037
This series of Notes was issued and sold upon the funding of the borrower loan #46331, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Partially Funded:
| no |
Estimated loss*:
| 4.95% |
Listing Start date:
| Dec-27-2010 |
|
Term:
| 36 months | | |
Listing End date:
| Dec-27-2010 |
|
|
Lender yield:
| 12.40% |
Borrower rate/APR:
| 13.40% / 15.55% |
Monthly payment:
| $321.93 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.19% | | |
| |
Estimated return*:
| 7.24% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| May-1989 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 23
/
21 | Length of status: | 8y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $79,735 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| californiadawn |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 28 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Aug-2008)
|
|
Principal balance:
| $2,542.45 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Paying off credit card debt
Purpose of loan:
This loan will be used to?continue to pay off my higher interest credit card debt, and improve my credit score.? I used my last Prosper Loan to pay off several of my cards, and I have been faithful in making my payments for 28 months.? My credit score has improved by 20%!? If this loan funds, I will be paying off the rest of my high interest credit cards, and lowering my monthly payments, which will allow me to pay off the first Prosper Loan early.? Since my last loan I have completed my BA with honors in Business/HR Management with a specialty in Healthcare Management.? $65,000 of my "revolving credit" is my 20% home loan (HELOC).? Once I get my first loan pd off (hopefully by March 2011), I can put that $300 toward paying off this loan as well, which will pay it off in half the time.? Once my debt is paid in full, I hope to give back more by investing in Prosper to help others!?
My financial situation:
I am a good candidate for this loan because?I work full time at a local hospital, where I have been employed for 8 years.? I pay my bills on time, I own my home, I have no dependents, and have high integrity.? My goal is to become debt free outside of my home and car loan.? When I bought my home, it was with an 80/20 loan, and I had no idea having a maxed out HELOC would hurt my credit score so bad.? If not for the HELOC part of my home loan, I would have excellent credit!? But unfortunately, when the economy took a turn for the worse, my home lost $100,000 in value, and there is no chance of refinancing my home at this time.? Since my home is newer and in excellent condition, I know someday the value will come back up.? But paying off my credit cards is the fastest way I know to improve my credit, and gain a chance to fix the situation. ?
Monthly net income: $8000
Monthly expenses: $
??Housing: $
1800
??Insurance: $
300 (car, home, disability, appliances)
??Car expenses: $ 779
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $
500
??Clothing, household expenses $ 200
??Credit cards and other loans: $
1000
??Other expenses: $
200 Student Loans
? Tithing:? $ 800
?? Gas:? $ 200
Information in the Description is not verified.
Friends And Family Investments
This member has no investments from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
| Investor | Amount | Investment Date (PT) |
|
| Buddy07 | $50.00 | 12/27/2010 10:39:26 AM |
| powerful-finance7 | $25.00 | 12/27/2010 10:39:41 AM |
| cropdust3r | $25.00 | 12/27/2010 10:40:33 AM |
| Artist_Blue | $25.00 | 12/27/2010 10:42:03 AM |
| credit-kahuna | $50.00 | 12/27/2010 10:39:39 AM |
| the-bright-velocity | $25.00 | 12/27/2010 10:40:58 AM |
| ASR3 | $35.00 | 12/27/2010 10:42:09 AM |
| mkl42 | $50.00 | 12/27/2010 10:41:13 AM |
| Aberdeen | $9,500.00 | 12/27/2010 10:45:18 AM |
| Barak | $100.00 | 12/27/2010 10:42:41 AM |
| dly2007 | $50.00 | 12/27/2010 10:44:59 AM |
| nilonc1 | $100.00 | 12/27/2010 10:39:35 AM |
| green-planet-guy | $26.00 | 12/27/2010 10:39:44 AM |
| Tradesmanlender | $35.00 | 12/27/2010 10:39:53 AM |
| skuba | $50.00 | 12/27/2010 10:41:00 AM |
| DublinCaLender | $25.00 | 12/27/2010 10:40:42 AM |
| funnymoney1 | $25.00 | 12/27/2010 10:39:30 AM |
| wonderful-dime | $25.00 | 12/27/2010 10:39:49 AM |
| RoyFauntleroy | $50.00 | 12/27/2010 10:42:25 AM |
| loyalist1 | $100.00 | 12/27/2010 10:40:01 AM |
| 108lender | $100.00 | 12/27/2010 10:42:52 AM |
| open-moola | $50.00 | 12/27/2010 10:43:06 AM |
| siege01 | $25.00 | 12/27/2010 10:42:08 AM |
| MarxBoo | $50.00 | 12/27/2010 10:42:56 AM |
| hopeful-truth5 | $100.00 | 12/27/2010 10:42:17 AM |
| 25 Investments
|