Sales Report:Supplement No. 9 dated Aug 03, 2009 to Prospectus dated Jul 13, 2009File 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 Jul 13, 2009 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 Jul 13, 2009 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
383985
This series of Notes was issued and sold upon the funding of the borrower loan #38082, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Jul-24-2009 |
|
|
Starting lender yield:
| 26.17% |
Starting borrower rate/APR:
| 27.17% / 29.51% |
Starting monthly payment:
| $122.75 |
|
Final lender yield:
| 23.15% |
Final borrower rate/APR:
| 24.15% / 26.44% |
Final monthly payment:
| $117.93 |
| |
|
Auction yield range:
| 11.27% - 26.17% |
Estimated loss impact:
| 10.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.58% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 1y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,783 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 92% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 13 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| LakersFan23 |
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
Paying off my credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 4000
Monthly expenses: $
Housing: $ 450
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $55
Food, entertainment: $ 600
Clothing, household expenses $
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| johnayan | $25.00 | $25.00 | 7/14/2009 5:38:21 PM |
| slojudy | $25.00 | $25.00 | 7/14/2009 5:38:17 PM |
| kegs | $250.00 | $250.00 | 7/14/2009 5:38:32 PM |
| bigdogsafety1 | $25.00 | $25.00 | 7/14/2009 5:39:27 PM |
| majorf2136 | $25.00 | $25.00 | 7/14/2009 5:40:01 PM |
| anton | $25.00 | $25.00 | 7/14/2009 5:38:27 PM |
| larrybird | $250.00 | $250.00 | 7/14/2009 5:40:52 PM |
| gilbow | $25.00 | $25.00 | 7/14/2009 5:39:41 PM |
| greenwell | $25.00 | $25.00 | 7/14/2009 7:06:08 PM |
| stonehillloans | $50.00 | $50.00 | 7/15/2009 4:13:13 AM |
| sjev | $25.00 | $25.00 | 7/15/2009 8:17:26 AM |
| rmachi | $25.00 | $25.00 | 7/15/2009 8:58:51 AM |
| 108lender | $75.00 | $75.00 | 7/15/2009 10:34:02 AM |
| mrzz | $25.00 | $25.00 | 7/15/2009 2:47:33 PM |
| mc81 | $25.00 | $25.00 | 7/17/2009 2:09:00 AM |
| dashawn | $25.00 | $25.00 | 7/17/2009 11:02:33 AM |
| xzec777 | $25.00 | $25.00 | 7/17/2009 6:56:56 PM |
| TrustinOthers | $25.00 | $25.00 | 7/17/2009 7:47:42 PM |
| compsciman | $50.00 | $50.00 | 7/17/2009 8:41:48 PM |
| Mantis75 | $25.00 | $25.00 | 7/18/2009 4:16:46 PM |
| FeedTheMachine | $50.00 | $50.00 | 7/18/2009 2:21:50 PM |
| aultraman | $50.00 | $50.00 | 7/18/2009 5:22:40 PM |
| thedreamer | $25.00 | $25.00 | 7/19/2009 11:53:08 AM |
| HunterSix | $25.00 | $25.00 | 7/19/2009 3:33:00 PM |
| BankOfThomas | $50.20 | $50.20 | 7/19/2009 3:56:43 PM |
| ajk_blue | $25.00 | $25.00 | 7/19/2009 4:37:21 PM |
| kyxysyx | $50.00 | $50.00 | 7/19/2009 9:26:46 PM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:06:45 PM |
| SelectTrustLending | $25.00 | $25.00 | 7/20/2009 10:43:32 AM |
| lostontheedge | $25.00 | $25.00 | 7/20/2009 10:51:59 AM |
| omerta6102 | $42.01 | $42.01 | 7/20/2009 11:37:27 AM |
| rhin0cerx | $40.91 | $40.91 | 7/20/2009 9:33:00 AM |
| divedude | $25.00 | $25.00 | 7/20/2009 5:01:38 PM |
| Sykes66 | $25.00 | $25.00 | 7/20/2009 6:41:49 PM |
| b2m80s | $25.00 | $25.00 | 7/20/2009 6:32:35 PM |
| Fernpatch_autoshop | $25.00 | $25.00 | 7/20/2009 7:41:39 PM |
| Aquafina24Ounce | $25.00 | $25.00 | 7/20/2009 8:17:06 PM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:52 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:52:06 AM |
| Gaelicman | $60.00 | $60.00 | 7/22/2009 2:00:51 PM |
| NATIVEBORN | $25.00 | $25.00 | 7/14/2009 5:38:43 PM |
| scroooge | $25.00 | $25.00 | 7/14/2009 5:38:25 PM |
| SNH | $25.00 | $25.00 | 7/14/2009 5:39:19 PM |
| bulabula | $25.00 | $25.00 | 7/14/2009 5:39:28 PM |
| seisen | $50.00 | $50.00 | 7/14/2009 5:38:30 PM |
| mirolender | $25.00 | $25.00 | 7/14/2009 5:38:34 PM |
| LAM26 | $25.00 | $25.00 | 7/14/2009 8:25:52 PM |
| Madron | $25.00 | $25.00 | 7/15/2009 6:20:14 AM |
| Cre8iveCash | $25.00 | $25.00 | 7/15/2009 8:07:32 AM |
| redbomb5 | $25.00 | $25.00 | 7/15/2009 7:27:24 AM |
| mydreamsagain | $25.00 | $25.00 | 7/15/2009 10:48:51 AM |
| maverickfella | $25.00 | $25.00 | 7/15/2009 11:59:16 AM |
| MicroPod | $25.00 | $25.00 | 7/15/2009 4:52:32 PM |
| twjh | $25.00 | $25.00 | 7/15/2009 5:24:01 PM |
| mdf | $50.00 | $50.00 | 7/15/2009 8:27:26 PM |
| Aviking | $50.00 | $50.00 | 7/15/2009 7:47:32 PM |
| jstefans | $25.00 | $25.00 | 7/15/2009 8:07:29 PM |
| sk8ndive | $25.00 | $25.00 | 7/16/2009 7:38:16 AM |
| gotyourgear | $25.00 | $25.00 | 7/16/2009 2:07:29 PM |
| WorldlyWorker | $25.00 | $25.00 | 7/16/2009 1:17:32 PM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 3:48:09 PM |
| ctgscott | $25.00 | $25.00 | 7/17/2009 6:57:22 PM |
| loan-master996 | $50.00 | $50.00 | 7/17/2009 6:58:01 PM |
| Toby1montana | $50.00 | $50.00 | 7/18/2009 7:21:44 PM |
| whatknows | $25.00 | $25.00 | 7/19/2009 2:43:26 PM |
| dlg | $26.00 | $26.00 | 7/19/2009 4:37:14 PM |
| xyzlmno | $25.00 | $25.00 | 7/19/2009 6:01:44 PM |
| pfenness | $60.00 | $60.00 | 7/20/2009 2:56:43 AM |
| chkrvrty | $25.00 | $25.00 | 7/20/2009 6:57:09 AM |
| moopi | $25.00 | $25.00 | 7/20/2009 11:01:55 AM |
| Nicksr | $50.00 | $50.00 | 7/20/2009 1:28:36 PM |
| TEAM-Jasper | $50.00 | $50.00 | 7/20/2009 3:28:08 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:42:28 PM |
| ShermanSteve | $50.00 | $50.00 | 7/20/2009 5:42:07 PM |
| psycardis | $25.00 | $25.00 | 7/20/2009 9:37:43 PM |
| joseapg | $25.00 | $25.00 | 7/21/2009 7:41:36 AM |
| money-expert | $25.00 | $25.00 | 7/21/2009 9:44:07 AM |
| ouyangers | $25.00 | $20.88 | 7/21/2009 9:41:33 PM |
| umfan123 | $25.00 | $25.00 | 7/22/2009 1:49:30 PM |
| mcshew99 | $50.00 | $50.00 | 7/22/2009 2:01:19 PM |
| wbp | $25.00 | $25.00 | 7/23/2009 3:11:45 PM |
| 81 bids
|
Borrower Payment Dependent Notes Series
416309
This series of Notes was issued and sold upon the funding of the borrower loan #38079, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 25.45% |
Starting borrower rate/APR:
| 26.45% / 28.78% |
Starting monthly payment:
| $182.39 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $169.54 |
| |
|
Auction yield range:
| 11.27% - 25.45% |
Estimated loss impact:
| 10.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.52% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| Jun-2002 |
Debt/Income ratio:
| 59% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 17
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $19,685 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 78% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| sweety075 |
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:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(Apr-2009)
600-620
(Oct-2007)
|
|
Principal balance:
| $1,263.11 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Debt Consolidation 2nd prosper loan
Purpose of loan:
I will be using this loan to pay off more of my credit card debt.
My financial situation:
I am a good candidate for repaying this loan since I have never had a late payment or any delinquencies. This includes my current prosper loan. I will pay this loan on time every month just as I do my current loan with prosper.
Monthly net income: $ 1800
Monthly expenses: $
Housing: $
0 (live at home)
Insurance: $ 100
Car expenses: $ 530
Utilities: $
0
Phone, cable, internet: $ 50
Food, entertainment: $ 100
Clothing, household expenses $
100
Credit cards and other loans: $
500
Other expenses: $
0
Information in the Description is not verified.
Friends And Family Winning Bids
martymaniaman has bid a total of
$267.63 in winning bids.
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Do you plan on paying this off early? - justme4now
A:
No, I do not plan to pay this off early.
(Jul-16-2009)
Q:
Will you be using some of this to payoff the current prosper loan? - sparkybrneyes
A:
No, I will be using this to pay credit card debt.
(Jul-21-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Tahoeman | $50.00 | $50.00 | 7/15/2009 1:02:24 PM |
| foothillender | $25.00 | $25.00 | 7/17/2009 8:04:46 AM |
| DG2007 | $25.00 | $25.00 | 7/17/2009 10:24:11 AM |
| zooom7 | $50.00 | $50.00 | 7/17/2009 7:59:36 PM |
| yitbos49 | $50.00 | $50.00 | 7/19/2009 11:22:39 AM |
| iq8w7ht | $50.00 | $50.00 | 7/20/2009 9:28:13 AM |
| Leshan | $50.00 | $50.00 | 7/20/2009 9:33:17 AM |
| BonusTurtle | $50.00 | $50.00 | 7/20/2009 10:06:39 PM |
| dgerts | $100.00 | $100.00 | 7/22/2009 4:37:33 PM |
| coldfuzion | $25.00 | $25.00 | 7/23/2009 11:46:52 AM |
| jrlvnv | $25.00 | $25.00 | 7/23/2009 12:51:11 PM |
| Bait989 | $60.47 | $60.47 | 7/23/2009 10:34:18 PM |
| aschac05 | $25.00 | $25.00 | 7/24/2009 1:37:37 AM |
| bambampk | $50.00 | $50.00 | 7/24/2009 8:00:17 AM |
| TenTalentSolutions | $25.00 | $25.00 | 7/24/2009 10:32:38 AM |
| barkochva | $25.00 | $25.00 | 7/24/2009 11:51:23 AM |
| WeshaTheLeopard | $28.00 | $28.00 | 7/24/2009 4:27:25 PM |
| Cthulu | $25.00 | $25.00 | 7/24/2009 10:51:53 PM |
| goodcents | $25.00 | $25.00 | 7/25/2009 2:56:01 PM |
| CA_Lender | $25.00 | $25.00 | 7/25/2009 4:27:26 PM |
| crazor | $25.00 | $25.00 | 7/25/2009 11:35:45 PM |
| KLcapital | $50.00 | $50.00 | 7/26/2009 6:39:42 AM |
| oldrebel | $25.00 | $25.00 | 7/26/2009 8:29:18 PM |
| martymaniaman | $87.87 | $87.87 | 7/27/2009 5:36:53 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/27/2009 7:18:37 AM |
| dcm6276 | $25.00 | $25.00 | 7/27/2009 10:12:40 AM |
| DackoDenk | $25.00 | $25.00 | 7/27/2009 11:24:15 AM |
| justme4now | $27.09 | $27.09 | 7/27/2009 1:47:28 PM |
| zeija | $50.00 | $50.00 | 7/27/2009 1:14:18 PM |
| planky | $100.00 | $100.00 | 7/27/2009 1:51:15 PM |
| b1geasy | $87.10 | $87.10 | 7/27/2009 5:30:23 PM |
| ayiticheri | $25.00 | $25.00 | 7/27/2009 6:29:21 PM |
| Jaoe | $225.00 | $74.41 | 7/28/2009 1:10:09 AM |
| salegalaxy | $50.00 | $50.00 | 7/28/2009 2:13:50 AM |
| mroew | $26.00 | $26.00 | 7/28/2009 8:45:27 AM |
| rebeldog67 | $25.00 | $25.00 | 7/28/2009 9:08:23 AM |
| niq4soccer | $25.00 | $25.00 | 7/28/2009 9:07:11 AM |
| transaction-animal8 | $50.00 | $50.00 | 7/28/2009 10:17:52 AM |
| HenlopenCapital | $50.00 | $50.00 | 7/28/2009 11:16:06 AM |
| mcshew99 | $32.67 | $32.67 | 7/28/2009 9:59:42 AM |
| evergreen16 | $50.00 | $50.00 | 7/28/2009 10:37:49 AM |
| division177 | $25.00 | $25.00 | 7/28/2009 11:00:00 AM |
| Loan_Stranger | $50.00 | $50.00 | 7/14/2009 8:03:51 PM |
| aha6297 | $31.87 | $31.87 | 7/16/2009 10:03:42 AM |
| JGuide | $100.00 | $100.00 | 7/16/2009 5:41:01 PM |
| BuffetRocks | $100.00 | $100.00 | 7/17/2009 12:18:44 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/18/2009 1:06:40 AM |
| AAe | $30.00 | $30.00 | 7/18/2009 10:13:43 AM |
| martymaniaman | $26.06 | $26.06 | 7/21/2009 5:33:45 AM |
| sparkybrneyes | $25.00 | $25.00 | 7/22/2009 10:17:08 AM |
| himistu22 | $30.00 | $30.00 | 7/22/2009 3:51:18 PM |
| schmak99 | $50.00 | $50.00 | 7/22/2009 12:33:33 PM |
| keeper24 | $58.60 | $58.60 | 7/23/2009 6:00:08 AM |
| jchurchi | $50.00 | $50.00 | 7/23/2009 11:55:57 AM |
| diverse2 | $25.00 | $25.00 | 7/23/2009 9:52:56 AM |
| Rackmaster32 | $25.00 | $25.00 | 7/23/2009 10:45:05 PM |
| wyogirllender | $25.00 | $25.00 | 7/24/2009 9:43:01 AM |
| MSCG | $100.00 | $100.00 | 7/25/2009 5:41:06 AM |
| Matt_Colsia | $50.00 | $50.00 | 7/25/2009 6:23:03 AM |
| JDFuego | $25.00 | $25.00 | 7/25/2009 9:17:34 AM |
| HalozLoki | $25.00 | $25.00 | 7/25/2009 2:29:40 PM |
| bigmoneybags | $25.00 | $25.00 | 7/25/2009 1:26:16 PM |
| haywood_funds | $30.28 | $30.28 | 7/26/2009 12:55:16 AM |
| CMDCO | $50.00 | $50.00 | 7/26/2009 12:37:05 PM |
| ToweringDan | $50.00 | $50.00 | 7/26/2009 12:49:47 PM |
| Drivindabus | $50.00 | $50.00 | 7/26/2009 4:49:33 PM |
| winger66 | $171.18 | $171.18 | 7/26/2009 6:34:12 PM |
| dextro | $25.00 | $25.00 | 7/26/2009 9:26:50 PM |
| JJ-Loans | $100.00 | $100.00 | 7/27/2009 11:20:59 AM |
| mathgod | $25.00 | $25.00 | 7/27/2009 5:12:38 PM |
| larrkon | $50.00 | $50.00 | 7/27/2009 3:42:11 PM |
| wyobeads | $25.00 | $25.00 | 7/27/2009 6:04:14 PM |
| Elevate2012 | $50.00 | $50.00 | 7/27/2009 11:10:29 PM |
| DaddyBill | $25.00 | $25.00 | 7/27/2009 7:31:46 PM |
| Spkthewrd3 | $25.00 | $25.00 | 7/28/2009 3:06:19 AM |
| stonehillloans | $30.00 | $30.00 | 7/28/2009 1:51:25 AM |
| Flying_Tilapia | $50.00 | $50.00 | 7/28/2009 1:39:04 AM |
| JJ-Loans | $100.00 | $100.00 | 7/28/2009 5:57:55 AM |
| carrinel | $25.00 | $25.00 | 7/28/2009 7:14:10 AM |
| lagnisiruk | $33.00 | $33.00 | 7/28/2009 9:44:54 AM |
| Herchel | $50.00 | $50.00 | 7/28/2009 9:29:00 AM |
| JTRADER056 | $75.00 | $75.00 | 7/28/2009 10:08:59 AM |
| zento | $25.00 | $25.00 | 7/28/2009 10:11:10 AM |
| kjb1971 | $25.00 | $25.00 | 7/28/2009 10:12:47 AM |
| wasaabi | $82.70 | $82.70 | 7/28/2009 9:17:56 AM |
| JGuide | $100.00 | $100.00 | 7/28/2009 10:16:24 AM |
| Gaelicman | $100.00 | $100.00 | 7/28/2009 9:54:18 AM |
| branaa99 | $25.00 | $25.00 | 7/28/2009 10:54:22 AM |
| martymaniaman | $153.70 | $153.70 | 7/28/2009 11:13:45 AM |
| rbgnr111 | $25.00 | $25.00 | 7/28/2009 10:04:49 AM |
| JayIsABear | $75.00 | $75.00 | 7/28/2009 10:13:31 AM |
| JGuide | $34.00 | $34.00 | 7/28/2009 10:16:56 AM |
| bobnewt | $50.00 | $50.00 | 7/28/2009 10:27:56 AM |
| mwb | $50.00 | $50.00 | 7/28/2009 10:35:28 AM |
| bosloan26 | $90.00 | $90.00 | 7/28/2009 11:11:09 AM |
| 95 bids
|
Borrower Payment Dependent Notes Series
416403
This series of Notes was issued and sold upon the funding of the borrower loan #38073, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $63.60 |
|
Final lender yield:
| 7.00% |
Final borrower rate/APR:
| 8.00% / 10.08% |
Final monthly payment:
| $62.67 |
| |
|
Auction yield range:
| 3.27% - 8.00% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.40% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 10 |
First credit line:
| May-1976 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 1y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,700 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 9% | |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| lawstudent1 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 760-780
(Apr-2008)
|
|
Principal balance:
| $960.89 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Bar Review
Purpose of loan:
This loan will be used to make ends meet until I take the bar exam.?
My financial situation:
I am a good candidate for this loan because, I will be starting a six-figure legal job shortly. I am recent honors graduate of a top-25 law school, and I am currently studying for the bar exam. As such I cannot earn any money during this month. I have borrowed from Prosper before, and never missed a payment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Which firm will you be starting at? Which office? No push back of your start date, correct? Thanks in advance. - AbeHonestly
A:
Not totally comfortable talking about the firm/city. But it is a big international firm, an east coast city, and a firm that pays market rate (over $145,000) Start date has been pushed back, but only into Ocotober. As far as I know there has been no change in salary, but, full disclosure, that is certainly a possibility. Still, not enough to affect paying back $70/month.
(Jul-15-2009)
Q:
Your first credit line was opened in 1976? And you're studying for the Bar in 2009? Were you a non traditional student, or what? - GloriousJohnny
A:
The first credit line (1976) was b/c of a family AmEx I used to have w/ my parents when I was in college. I am 31 y/o and was not available for pre-natal credit. I was either a young non-traditional law student, or an old traditional one.
(Jul-19-2009)
Q:
Where is the information on your school loans? - GloriousJohnny
A:
Not sure what their status is in my credit report since no repayments begin until December. But, I know they are on the credit reports since I have had to send in a full credit history to the bar examiners. My total student debt is just south of $100,000 (law and undergrad). Most of it is federal subsidized, and my monthy payments will be b/t $750-$1250 depending on my repayment scheme.
(Jul-19-2009)
Q:
Every Bar Exam is in the last week of July (attorney here) why are you asking for the money 1 or 2 weeks before the exam? What have you been doing? - P2PHelper
A:
Bar exam is July 28-29. Not sure exactly what the question is. I did not take out a "bar loan" b/c I thought I would be OK from the end of school until starting work. Realized that I was going to be a little short, didn't want to mess around with credit cards, and so borrowed from Prosper. What I have been doing is studying for the bar. Firm paid for the Bar class, so it is living expenses, not bar class money. Answered?
(Jul-21-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DementiaAddict | $100.00 | $100.00 | 7/14/2009 1:11:04 PM |
| Rancid | $29.00 | $29.00 | 7/17/2009 3:05:51 PM |
| HealthAndSafety | $50.00 | $50.00 | 7/19/2009 10:58:56 PM |
| busybee999 | $25.00 | $25.00 | 7/22/2009 5:58:00 PM |
| Tabster | $25.00 | $25.00 | 7/22/2009 7:36:06 PM |
| mjsk | $25.00 | $25.00 | 7/24/2009 6:47:13 AM |
| heto2005 | $25.00 | $25.00 | 7/24/2009 12:54:19 PM |
| tryitout | $107.15 | $107.15 | 7/27/2009 5:58:49 AM |
| lm150 | $25.00 | $25.00 | 7/27/2009 8:46:11 AM |
| b1geasy | $75.00 | $75.00 | 7/27/2009 5:41:27 PM |
| platinum-waterfall | $92.83 | $92.83 | 7/27/2009 5:52:12 PM |
| The_Mandelbrot_Set | $25.00 | $25.00 | 7/28/2009 4:38:07 AM |
| Pu239 | $25.00 | $25.00 | 7/28/2009 8:09:03 AM |
| dblakels | $25.00 | $25.00 | 7/28/2009 8:23:58 AM |
| cutter21 | $112.77 | $112.77 | 7/28/2009 8:51:15 AM |
| gothampark | $50.00 | $50.00 | 7/28/2009 8:10:12 AM |
| rockhound84 | $50.00 | $50.00 | 7/28/2009 8:13:14 AM |
| Spring342 | $50.00 | $50.00 | 7/28/2009 9:59:38 AM |
| sfd | $50.00 | $50.00 | 7/28/2009 9:30:25 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 10:14:46 AM |
| betheanswer | $50.00 | $50.00 | 7/28/2009 10:45:15 AM |
| coolcoast | $50.00 | $50.00 | 7/28/2009 11:13:47 AM |
| planky | $100.00 | $70.48 | 7/16/2009 10:37:33 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/16/2009 4:31:40 PM |
| lender5150 | $25.00 | $25.00 | 7/17/2009 6:30:43 AM |
| RandyL3 | $25.00 | $25.00 | 7/17/2009 9:09:38 AM |
| JLPicard | $50.00 | $50.00 | 7/18/2009 11:10:40 PM |
| achillesa | $30.00 | $30.00 | 7/19/2009 2:30:57 PM |
| JCPlending | $25.00 | $25.00 | 7/20/2009 4:02:27 PM |
| shag2 | $25.00 | $25.00 | 7/20/2009 5:46:07 PM |
| BonusTurtle | $25.00 | $25.00 | 7/20/2009 10:15:23 PM |
| market-assembler | $25.00 | $25.00 | 7/21/2009 2:41:31 PM |
| sgmm330 | $50.00 | $50.00 | 7/21/2009 11:30:53 PM |
| octoberfresh | $25.00 | $25.00 | 7/22/2009 8:57:04 AM |
| rome1426 | $25.00 | $25.00 | 7/23/2009 5:44:41 AM |
| sknop64 | $25.00 | $25.00 | 7/22/2009 8:25:46 PM |
| lendin2u | $50.00 | $50.00 | 7/23/2009 11:39:16 AM |
| BankofBeth | $50.00 | $50.00 | 7/24/2009 2:27:31 PM |
| hondo44 | $50.00 | $50.00 | 7/25/2009 7:00:13 AM |
| lancetc | $25.00 | $25.00 | 7/25/2009 11:25:19 PM |
| bobd32 | $25.00 | $25.00 | 7/27/2009 12:32:03 PM |
| Herchel | $32.77 | $32.77 | 7/27/2009 2:33:03 PM |
| AustinAmerica | $25.00 | $25.00 | 7/27/2009 11:33:27 PM |
| UC3307 | $100.00 | $100.00 | 7/28/2009 7:18:03 AM |
| First_Rate_Entrepreneur | $25.00 | $25.00 | 7/28/2009 9:21:48 AM |
| jpjazzman | $25.00 | $25.00 | 7/28/2009 9:51:07 AM |
| HenlopenCapital | $50.00 | $50.00 | 7/28/2009 11:16:56 AM |
| 47 bids
|
Borrower Payment Dependent Notes Series
416437
This series of Notes was issued and sold upon the funding of the borrower loan #38063, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Jul-27-2009 |
|
|
Starting lender yield:
| 12.98% |
Starting borrower rate/APR:
| 13.98% / 16.14% |
Starting monthly payment:
| $410.02 |
|
Final lender yield:
| 8.40% |
Final borrower rate/APR:
| 9.40% / 11.50% |
Final monthly payment:
| $383.83 |
| |
|
Auction yield range:
| 4.27% - 12.98% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 25
/
19 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 52 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $65,723 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 32% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| magicalphoto |
Borrower's state:
| Michigan |
Borrower's group:
| Future Innovations |
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:
| 18 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $12,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Jan-2008)
|
|
Principal balance:
| $5,420.28 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Growing Wedding Photography Biz
Purpose of loan:
This loan will be used to?grow an established wedding photography business. I've been doing photography for nine years and need to invest and upgrade
My financial situation:
I am a good candidate for this loan because?I have enough weddings booked for 2009 and 2010 to pay off the loan within 15-24months. Also, this business is in addition to a full time job I have as well.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I see you are a Prosper Lender! Can you get some bids from friends & family? You would be helping them get a great return, and if they trust you with $$ so can I. - JGuide
A:
HI ~
I am a Prosper Lender however in my state of Michigan, Prosper doesn't allow bids on loans any longer. If they did I'd be more than happy to invite friends and family. Thanks
(Jul-19-2009)
Q:
How many months of your salary do you have in savings? - blLending
A:
Hi ~
I'm assuming you're talking about my personal income (my full time job)
I work in commission sales and my pay is different each month. I make 100,000 + annualy. I have 10,000 in the bank, enough to cover bills for several months. The wedding photography business is seperate. That's what the loan is for, to buy more equipment, upgrade and grow. I hope this answers your question. Thanks
(Jul-21-2009)
Q:
Hi there, can y ou please list all your income and expenditure so everyone can see how you spend the money? - usd1027
A:
Hi ~
so you're asking for my monthly expenditures? OK. But this is a business loan that the business is paying back. But you want my income and expenditures?
As I mentioned above I work in sales so monthly income is different each month. Annualy I make $100,000 plus.
Bills are:
Home: $1200
Cars $ 750
Heat/Electric: $300
Equity Loan: $250
credit cards: $250
Hope this helps.
Thanks
(Jul-23-2009)
Q:
Hi,
I am also a photographer. $12K isn't much money. Can you give me an idea as to what you plan to purchase with that? I would also like to note that this would be a personal loan so personal expenditures are a legit question. - JebkaClan
A:
Hi there ~
No problem on the personal expenditiures question. I'm sure there are several ways to look at running a small business. For me, I keep the expenses seperate. The business pays me, assistants and the hard costs and advertising. Again, no problem answering anything :)
I plan to buy the following: Two Canon Mark 2 Each $2700, Canon EF 24-105 lens $1150, 2x Canon ex $370 each, $1500 to upgrade sample wedding albums, $1000 to upgrade matted display photos. $2000 for Fall Bride shows:)
(Jul-23-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| pakrbkr | $25.00 | $25.00 | 7/14/2009 11:21:09 AM |
| papaman | $25.00 | $25.00 | 7/14/2009 11:21:24 AM |
| SkonkeyGongo | $25.00 | $25.00 | 7/14/2009 11:25:42 AM |
| virtualbank | $25.00 | $25.00 | 7/14/2009 11:36:19 AM |
| HibbyD | $35.00 | $35.00 | 7/14/2009 11:31:22 AM |
| PaulW | $25.00 | $25.00 | 7/14/2009 11:32:15 AM |
| Sigonio | $25.00 | $25.00 | 7/14/2009 11:38:48 AM |
| Sixmil | $25.00 | $25.00 | 7/14/2009 11:35:50 AM |
| rjleves | $25.00 | $25.00 | 7/14/2009 11:39:16 AM |
| NATIVEBORN | $50.00 | $50.00 | 7/14/2009 12:56:30 PM |
| gotyourgear | $25.00 | $25.00 | 7/14/2009 1:01:09 PM |
| tallcoolone | $25.00 | $25.00 | 7/14/2009 1:20:57 PM |
| amijo | $50.00 | $50.00 | 7/14/2009 2:43:46 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/14/2009 2:43:08 PM |
| atlviet | $25.00 | $25.00 | 7/14/2009 2:43:28 PM |
| K2Outlaws | $25.00 | $25.00 | 7/14/2009 4:20:59 PM |
| Binan | $25.00 | $25.00 | 7/14/2009 4:45:56 PM |
| ayerobbie | $25.00 | $25.00 | 7/14/2009 6:50:49 PM |
| YellowJacket | $25.00 | $25.00 | 7/14/2009 7:21:18 PM |
| MT1130 | $25.00 | $25.00 | 7/14/2009 6:26:04 PM |
| peb44 | $25.00 | $25.00 | 7/14/2009 6:45:59 PM |
| thedoctor | $25.00 | $25.00 | 7/14/2009 8:36:32 PM |
| the-swiss-vault | $25.00 | $25.00 | 7/14/2009 10:30:50 PM |
| markwms | $25.00 | $25.00 | 7/14/2009 8:31:00 PM |
| kenji4861 | $50.00 | $50.00 | 7/15/2009 2:03:13 AM |
| 888168 | $50.00 | $50.00 | 7/15/2009 10:57:56 AM |
| SKG | $25.00 | $25.00 | 7/15/2009 11:17:24 AM |
| TennSquire | $25.00 | $25.00 | 7/15/2009 4:27:55 PM |
| mrzz | $25.00 | $25.00 | 7/15/2009 2:47:46 PM |
| DrStaff | $30.00 | $30.00 | 7/15/2009 4:47:41 PM |
| anton | $25.00 | $25.00 | 7/15/2009 5:38:19 PM |
| bugleusmc | $30.00 | $30.00 | 7/16/2009 10:29:38 AM |
| outwish | $25.00 | $25.00 | 7/16/2009 3:52:40 PM |
| klin | $25.00 | $25.00 | 7/16/2009 5:22:26 PM |
| restech | $25.00 | $25.00 | 7/16/2009 11:46:46 PM |
| kaykarun | $50.00 | $50.00 | 7/17/2009 12:47:21 AM |
| Sumach | $25.00 | $25.00 | 7/17/2009 8:37:37 AM |
| tylerfd | $25.00 | $25.00 | 7/17/2009 8:01:53 AM |
| majormoves1 | $25.00 | $25.00 | 7/17/2009 3:16:51 PM |
| GElender | $25.00 | $25.00 | 7/17/2009 5:12:04 PM |
| ChicoBob | $41.51 | $41.51 | 7/17/2009 7:51:35 PM |
| neenerman | $25.00 | $25.00 | 7/18/2009 1:11:56 AM |
| RDSFinancial | $25.00 | $25.00 | 7/18/2009 4:12:09 AM |
| LordKinbote | $25.00 | $25.00 | 7/19/2009 3:11:48 PM |
| xyzlmno | $50.00 | $50.00 | 7/19/2009 5:56:41 PM |
| psanganee | $25.00 | $25.00 | 7/19/2009 6:02:27 PM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:07:01 PM |
| StarE | $25.00 | $25.00 | 7/19/2009 8:56:43 PM |
| bowdish1 | $50.00 | $50.00 | 7/20/2009 7:56:38 AM |
| grf1945 | $25.00 | $25.00 | 7/20/2009 5:51:41 AM |
| the-owner | $50.00 | $50.00 | 7/20/2009 10:42:55 AM |
| Zipline | $25.00 | $25.00 | 7/20/2009 7:27:13 AM |
| timmydaddy | $25.00 | $25.00 | 7/20/2009 9:42:34 AM |
| Wart126 | $25.00 | $25.00 | 7/20/2009 11:39:03 AM |
| wormdc | $25.00 | $25.00 | 7/20/2009 12:17:00 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:41:43 PM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 1:31:53 PM |
| charb57 | $50.00 | $50.00 | 7/20/2009 2:08:10 PM |
| kunger | $25.00 | $25.00 | 7/20/2009 3:07:55 PM |
| mlbox3k | $25.00 | $25.00 | 7/20/2009 3:31:47 PM |
| b-rent | $25.00 | $25.00 | 7/20/2009 6:07:08 PM |
| fyrwlker12 | $25.00 | $25.00 | 7/20/2009 7:52:18 PM |
| Hexnut | $50.00 | $50.00 | 7/20/2009 9:31:57 PM |
| BaltimoreLender | $25.00 | $25.00 | 7/21/2009 7:57:01 AM |
| shadowflame_99 | $25.00 | $25.00 | 7/20/2009 9:46:47 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:06:42 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:04 AM |
| MplsLawyers | $25.00 | $25.00 | 7/21/2009 12:07:02 PM |
| kayakg | $25.00 | $25.00 | 7/21/2009 12:32:00 PM |
| kjsfld | $25.00 | $25.00 | 7/21/2009 12:56:53 PM |
| mentornetwork | $25.00 | $25.00 | 7/21/2009 3:21:47 PM |
| SavannahBear | $25.00 | $25.00 | 7/21/2009 3:22:38 PM |
| kumpa2u | $25.00 | $25.00 | 7/21/2009 3:22:50 PM |
| glcorps | $25.00 | $25.00 | 7/21/2009 12:01:42 PM |
| Cerias | $25.00 | $25.00 | 7/21/2009 3:25:36 PM |
| grampy48 | $25.00 | $25.00 | 7/21/2009 3:25:51 PM |
| wwwUniversal | $25.00 | $25.00 | 7/21/2009 3:46:38 PM |
| greenwell | $50.00 | $50.00 | 7/21/2009 1:52:50 PM |
| Sykes66 | $25.00 | $25.00 | 7/21/2009 3:21:34 PM |
| tsui517 | $25.00 | $25.00 | 7/21/2009 3:21:59 PM |
| reiterpitscrambledegg | $25.00 | $25.00 | 7/21/2009 3:22:34 PM |
| BGILlender | $25.00 | $25.00 | 7/21/2009 3:22:48 PM |
| fotep-financial | $50.00 | $50.00 | 7/21/2009 3:22:00 PM |
| FCI | $25.00 | $25.00 | 7/21/2009 3:22:28 PM |
| bruin558 | $50.00 | $50.00 | 7/21/2009 3:22:46 PM |
| nicklds | $50.19 | $50.19 | 7/21/2009 3:23:02 PM |
| h_corey | $25.00 | $25.00 | 7/21/2009 3:23:34 PM |
| compassion-paladin042 | $25.00 | $25.00 | 7/21/2009 3:23:07 PM |
| azarael | $25.00 | $25.00 | 7/21/2009 3:23:23 PM |
| kubien | $25.00 | $25.00 | 7/21/2009 3:23:29 PM |
| Aethelwolf | $25.00 | $25.00 | 7/21/2009 3:25:11 PM |
| Scott0007 | $25.00 | $25.00 | 7/21/2009 3:24:27 PM |
| vacation-funding | $25.00 | $25.00 | 7/21/2009 3:25:00 PM |
| ozzie | $25.00 | $25.00 | 7/21/2009 3:42:47 PM |
| sandeepPR | $25.00 | $25.00 | 7/21/2009 11:36:34 PM |
| JazzFranchise | $25.00 | $25.00 | 7/22/2009 1:01:51 AM |
| slojudy | $25.00 | $25.00 | 7/21/2009 8:31:34 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:34 AM |
| Nothus | $25.00 | $25.00 | 7/22/2009 6:06:33 AM |
| theemhdoctor | $25.00 | $25.00 | 7/22/2009 7:16:32 AM |
| amsterq | $25.00 | $25.00 | 7/22/2009 9:32:01 AM |
| Brainworm | $25.00 | $25.00 | 7/22/2009 10:02:01 AM |
| Lender0424 | $25.00 | $25.00 | 7/22/2009 1:56:41 PM |
| buukyak | $25.00 | $25.00 | 7/22/2009 11:31:34 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:41:38 AM |
| boogaboogabooga | $25.00 | $25.00 | 7/22/2009 12:02:06 PM |
| shawndw | $25.00 | $25.00 | 7/22/2009 12:36:46 PM |
| onegoodlender | $25.00 | $25.00 | 7/22/2009 1:46:51 PM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:11 PM |
| jpmusic | $25.00 | $25.00 | 7/23/2009 8:42:40 AM |
| b2006 | $25.00 | $25.00 | 7/23/2009 9:32:01 AM |
| Jassi | $50.00 | $50.00 | 7/23/2009 9:32:28 AM |
| Dave0 | $25.00 | $25.00 | 7/23/2009 12:02:02 PM |
| TheBestDad | $25.00 | $25.00 | 7/23/2009 12:06:48 PM |
| klemer | $25.00 | $25.00 | 7/23/2009 12:52:00 PM |
| stensonb | $25.00 | $25.00 | 7/23/2009 12:57:06 PM |
| mal12561 | $28.82 | $28.82 | 7/23/2009 10:01:47 AM |
| rocketspocket | $25.00 | $25.00 | 7/23/2009 2:51:37 PM |
| onlyinchicago | $25.00 | $25.00 | 7/23/2009 11:26:50 AM |
| hattric73 | $25.00 | $25.00 | 7/23/2009 11:41:41 AM |
| looney-toon | $25.00 | $25.00 | 7/23/2009 3:42:17 PM |
| mizunoman | $25.00 | $25.00 | 7/23/2009 5:22:11 PM |
| hodap2001 | $25.00 | $25.00 | 7/24/2009 5:37:16 AM |
| market-assembler | $25.00 | $25.00 | 7/24/2009 8:07:22 AM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:11:40 AM |
| RLC | $50.00 | $50.00 | 7/24/2009 6:21:37 AM |
| Iowa65 | $35.00 | $35.00 | 7/24/2009 7:57:25 AM |
| AKJagMan | $25.00 | $25.00 | 7/24/2009 9:17:37 AM |
| DadWarbucks | $36.33 | $36.33 | 7/24/2009 9:19:33 AM |
| hope-amigo | $25.00 | $25.00 | 7/24/2009 9:31:49 AM |
| ElChico124 | $25.00 | $25.00 | 7/24/2009 9:32:20 AM |
| AJSinvest | $25.00 | $25.00 | 7/24/2009 10:41:45 AM |
| bikingbtb | $25.00 | $25.00 | 7/24/2009 12:11:37 PM |
| Yankeeeagle | $25.00 | $25.00 | 7/24/2009 12:16:38 PM |
| ldsmedic | $25.00 | $25.00 | 7/24/2009 12:22:05 PM |
| titaniumtommy | $25.00 | $25.00 | 7/24/2009 10:46:59 AM |
| nerlands | $25.00 | $25.00 | 7/24/2009 11:41:40 AM |
| leocom2000 | $100.00 | $100.00 | 7/24/2009 2:28:46 PM |
| Stalker_Sn | $25.00 | $25.00 | 7/24/2009 4:15:33 PM |
| RainbowEnd | $25.00 | $25.00 | 7/24/2009 5:02:52 PM |
| OskiVentures | $25.00 | $25.00 | 7/24/2009 5:03:05 PM |
| nytrnbow | $25.00 | $25.00 | 7/24/2009 5:03:20 PM |
| dhallii | $50.00 | $50.00 | 7/24/2009 5:03:33 PM |
| bajaruss | $25.00 | $25.00 | 7/24/2009 5:03:57 PM |
| Mookouw | $25.00 | $25.00 | 7/24/2009 5:07:16 PM |
| BadgerNotes | $39.79 | $39.79 | 7/24/2009 5:03:00 PM |
| phoko | $25.00 | $25.00 | 7/24/2009 5:03:12 PM |
| beebede | $50.00 | $50.00 | 7/24/2009 5:03:23 PM |
| BCD | $25.00 | $25.00 | 7/24/2009 5:03:30 PM |
| internetpreneur | $25.00 | $25.00 | 7/24/2009 5:03:42 PM |
| vtr1000 | $25.51 | $25.51 | 7/24/2009 5:08:50 PM |
| cyonamine | $25.00 | $25.00 | 7/24/2009 5:01:56 PM |
| DonaldColorado | $25.00 | $25.00 | 7/24/2009 5:02:14 PM |
| pbo922 | $25.00 | $25.00 | 7/24/2009 5:02:32 PM |
| ana74blue | $25.00 | $25.00 | 7/24/2009 5:02:37 PM |
| lookingup78 | $25.00 | $25.00 | 7/24/2009 5:02:57 PM |
| eddievegas415 | $25.00 | $25.00 | 7/24/2009 5:03:06 PM |
| mburke3434 | $25.00 | $25.00 | 7/24/2009 5:03:09 PM |
| Rogesparkguy | $25.00 | $25.00 | 7/24/2009 5:03:14 PM |
| bejfishing | $25.00 | $25.00 | 7/24/2009 5:14:44 PM |
| benroo | $50.00 | $50.00 | 7/24/2009 5:03:19 PM |
| davidy | $25.00 | $25.00 | 7/24/2009 5:04:05 PM |
| loantigger | $25.00 | $25.00 | 7/24/2009 6:06:47 PM |
| DrDavid63 | $25.00 | $25.00 | 7/24/2009 5:08:46 PM |
| JMY1 | $25.00 | $25.00 | 7/24/2009 9:44:10 PM |
| buckyhead2000 | $25.00 | $25.00 | 7/25/2009 1:35:33 AM |
| khamen | $25.00 | $25.00 | 7/25/2009 10:40:57 AM |
| Flying_Tilapia | $100.00 | $100.00 | 7/25/2009 7:52:38 PM |
| jpjazzman | $50.00 | $50.00 | 7/26/2009 11:01:20 AM |
| malypom | $100.00 | $100.00 | 7/26/2009 1:15:03 PM |
| akgirlx | $50.00 | $50.00 | 7/26/2009 4:38:21 PM |
| gothampark | $50.00 | $50.00 | 7/26/2009 5:45:06 PM |
| fortytwo | $200.00 | $200.00 | 7/27/2009 2:43:51 AM |
| mnmcarve | $25.00 | $25.00 | 7/14/2009 11:21:56 AM |
| salala | $25.00 | $25.00 | 7/14/2009 11:22:52 AM |
| KBank | $25.00 | $25.00 | 7/14/2009 11:24:55 AM |
| DukSerduk | $25.00 | $25.00 | 7/14/2009 11:37:05 AM |
| totoro | $25.00 | $25.00 | 7/14/2009 11:34:03 AM |
| kegs | $250.00 | $250.00 | 7/14/2009 12:01:51 PM |
| NJNY | $25.00 | $25.00 | 7/14/2009 11:39:44 AM |
| dashawn | $25.00 | $25.00 | 7/14/2009 11:40:36 AM |
| ohnezweck | $25.00 | $25.00 | 7/14/2009 1:00:51 PM |
| bigrpf5 | $25.00 | $25.00 | 7/14/2009 12:41:13 PM |
| bradwill | $50.00 | $50.00 | 7/14/2009 2:25:54 PM |
| jbadawg1017 | $25.00 | $25.00 | 7/14/2009 2:43:52 PM |
| woodenshoes | $100.00 | $100.00 | 7/14/2009 2:45:54 PM |
| abidos | $25.00 | $25.00 | 7/14/2009 2:42:31 PM |
| truth-companion | $25.00 | $25.00 | 7/14/2009 3:36:48 PM |
| BenBernanke | $25.00 | $25.00 | 7/14/2009 3:05:49 PM |
| larrybird | $250.00 | $250.00 | 7/14/2009 5:40:21 PM |
| dumbass | $25.00 | $25.00 | 7/14/2009 9:45:51 PM |
| Artist_Blue | $25.00 | $25.00 | 7/15/2009 6:04:02 AM |
| DeathScythe676 | $25.00 | $25.00 | 7/14/2009 10:05:50 PM |
| laststrawman | $25.00 | $25.00 | 7/15/2009 12:32:50 PM |
| guaton | $25.00 | $25.00 | 7/15/2009 1:37:42 PM |
| trucklawyer | $25.00 | $25.00 | 7/15/2009 12:48:03 PM |
| AnastasiaBeaverhausen | $25.00 | $25.00 | 7/15/2009 6:48:24 PM |
| Railbird | $25.00 | $25.00 | 7/16/2009 10:25:37 AM |
| mtpscuba | $25.00 | $25.00 | 7/16/2009 1:08:54 PM |
| giannyny | $25.00 | $25.00 | 7/16/2009 10:30:11 AM |
| Syzygy | $25.00 | $25.00 | 7/16/2009 11:27:59 AM |
| WorldlyWorker | $25.00 | $25.00 | 7/16/2009 1:17:43 PM |
| skistud66 | $25.00 | $25.00 | 7/16/2009 6:27:31 PM |
| oodkim84oo | $25.00 | $25.00 | 7/17/2009 2:56:42 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/17/2009 7:08:05 AM |
| jfd287 | $25.00 | $25.00 | 7/17/2009 8:41:51 AM |
| leemic | $25.00 | $25.00 | 7/17/2009 10:02:17 AM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 3:47:40 PM |
| mozzarella | $50.00 | $50.00 | 7/17/2009 6:31:50 PM |
| OLYVRC | $25.00 | $25.00 | 7/17/2009 9:02:15 PM |
| sajitp | $25.00 | $25.00 | 7/17/2009 11:37:06 PM |
| naniamo | $25.00 | $25.00 | 7/18/2009 1:21:51 AM |
| RandomMonkey | $25.00 | $25.00 | 7/18/2009 7:31:50 AM |
| mjcjmm4407 | $25.00 | $25.00 | 7/17/2009 10:26:57 PM |
| emunah6 | $25.00 | $25.00 | 7/18/2009 10:55:08 AM |
| L-vex | $25.00 | $25.00 | 7/18/2009 11:46:53 AM |
| leeball | $100.00 | $100.00 | 7/18/2009 12:56:42 PM |
| bkb7484 | $25.00 | $25.00 | 7/19/2009 4:12:35 AM |
| interstellar | $100.00 | $100.00 | 7/19/2009 8:52:37 AM |
| krishopper | $25.00 | $25.00 | 7/19/2009 9:26:42 AM |
| PAID-IN-FULL | $25.00 | $25.00 | 7/19/2009 12:51:42 PM |
| Xeo | $25.00 | $25.00 | 7/19/2009 10:47:39 AM |
| djs81 | $25.00 | $25.00 | 7/19/2009 11:02:55 AM |
| financelover | $25.00 | $25.00 | 7/19/2009 11:16:44 AM |
| BlindProphet | $25.00 | $25.00 | 7/19/2009 3:58:10 PM |
| yenom | $25.00 | $25.00 | 7/19/2009 2:56:38 PM |
| jonesboyz | $25.00 | $25.00 | 7/19/2009 4:26:46 PM |
| wjf60 | $50.00 | $50.00 | 7/19/2009 4:38:37 PM |
| andymax | $25.00 | $25.00 | 7/19/2009 5:56:57 PM |
| AgTiPinisher | $25.00 | $25.00 | 7/19/2009 11:07:37 PM |
| dougm | $50.00 | $50.00 | 7/19/2009 7:28:13 PM |
| Imageloan | $25.00 | $25.00 | 7/20/2009 2:58:03 AM |
| OldestBrother | $50.00 | $50.00 | 7/19/2009 7:56:37 PM |
| able2help | $25.00 | $25.00 | 7/20/2009 7:01:36 AM |
| kanewna | $50.00 | $50.00 | 7/20/2009 9:31:41 AM |
| damage | $25.00 | $25.00 | 7/20/2009 9:32:35 AM |
| Ireland64 | $25.00 | $25.00 | 7/20/2009 8:01:48 AM |
| TJ-Financial-Group | $55.00 | $55.00 | 7/20/2009 12:46:42 PM |
| thesupplier | $25.00 | $25.00 | 7/20/2009 9:34:32 AM |
| bjazz | $50.00 | $50.00 | 7/20/2009 9:33:53 AM |
| synergy4all | $25.00 | $25.00 | 7/20/2009 11:38:28 AM |
| MasterJin | $25.00 | $25.00 | 7/20/2009 2:32:48 PM |
| cny_loans | $25.00 | $25.00 | 7/20/2009 5:16:50 PM |
| johnsails | $50.00 | $50.00 | 7/20/2009 8:21:47 PM |
| ShermanSteve | $50.00 | $50.00 | 7/20/2009 5:47:56 PM |
| TA85 | $25.00 | $25.00 | 7/20/2009 5:51:49 PM |
| Cleon | $25.00 | $25.00 | 7/21/2009 9:32:00 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:07 AM |
| secret-santa | $25.00 | $25.00 | 7/21/2009 7:01:36 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:40 AM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:28 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:19 AM |
| BayShell | $40.00 | $40.00 | 7/21/2009 10:47:14 AM |
| Johnab | $25.00 | $25.00 | 7/21/2009 1:48:16 PM |
| mizount | $25.00 | $25.00 | 7/21/2009 10:51:34 AM |
| Statman1 | $25.00 | $25.00 | 7/21/2009 11:06:35 AM |
| SimonHova | $100.00 | $100.00 | 7/21/2009 3:21:39 PM |
| faldska | $25.00 | $25.00 | 7/21/2009 3:21:49 PM |
| jstefans | $25.00 | $25.00 | 7/21/2009 3:22:41 PM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:47:32 AM |
| yachey | $25.00 | $25.00 | 7/21/2009 3:23:41 PM |
| Cluvnupe06 | $25.00 | $25.00 | 7/21/2009 3:23:54 PM |
| Banker7371 | $25.00 | $25.00 | 7/21/2009 3:25:32 PM |
| wrchism | $50.00 | $50.00 | 7/21/2009 3:25:37 PM |
| sabre79 | $25.00 | $25.00 | 7/21/2009 3:25:42 PM |
| Mark-O-Polo | $25.00 | $25.00 | 7/21/2009 2:11:35 PM |
| blanchettec | $25.00 | $25.00 | 7/21/2009 3:21:36 PM |
| fdsguy | $50.00 | $50.00 | 7/21/2009 3:22:13 PM |
| BadgerWI | $25.00 | $25.00 | 7/21/2009 3:23:20 PM |
| Thelonius10 | $25.00 | $25.00 | 7/21/2009 3:23:25 PM |
| PatRichi | $25.00 | $25.00 | 7/21/2009 3:23:01 PM |
| bankofsam | $25.00 | $25.00 | 7/21/2009 3:23:06 PM |
| mastermvp | $50.00 | $50.00 | 7/21/2009 3:23:11 PM |
| shay1727 | $25.00 | $25.00 | 7/21/2009 3:23:52 PM |
| Midg | $25.00 | $25.00 | 7/21/2009 3:23:27 PM |
| Fahrquar | $25.00 | $25.00 | 7/21/2009 3:23:40 PM |
| Norcal | $25.00 | $25.00 | 7/21/2009 3:23:46 PM |
| leucadian | $25.00 | $25.00 | 7/21/2009 3:23:57 PM |
| Okeey | $25.00 | $25.00 | 7/21/2009 3:25:03 PM |
| Tracman | $25.00 | $25.00 | 7/21/2009 3:25:10 PM |
| Aubrei | $25.00 | $25.00 | 7/21/2009 3:25:20 PM |
| Apeman00 | $25.00 | $25.00 | 7/21/2009 3:24:48 PM |
| brit11 | $25.00 | $25.00 | 7/21/2009 3:24:54 PM |
| wgc | $25.00 | $25.00 | 7/21/2009 3:24:59 PM |
| Breken6 | $25.00 | $25.00 | 7/21/2009 3:25:53 PM |
| ILfarmboy | $29.52 | $29.52 | 7/21/2009 3:25:34 PM |
| rokdim | $35.43 | $35.43 | 7/21/2009 11:36:35 PM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:56:39 AM |
| MoJoRisin15 | $25.00 | $25.00 | 7/22/2009 8:26:32 AM |
| caipira | $25.00 | $25.00 | 7/22/2009 7:31:38 AM |
| brstern2 | $25.00 | $25.00 | 7/22/2009 12:31:35 PM |
| TadleyRPh | $25.00 | $25.00 | 7/22/2009 1:56:39 PM |
| halfpintc | $25.00 | $25.00 | 7/22/2009 1:56:42 PM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:16:43 AM |
| zyztemboy | $25.00 | $25.00 | 7/22/2009 11:01:35 AM |
| Victor-E-Lane | $38.84 | $38.84 | 7/22/2009 11:41:33 AM |
| Strato | $25.00 | $25.00 | 7/22/2009 2:36:35 PM |
| lendinstuff | $25.00 | $25.00 | 7/22/2009 11:26:38 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:01:40 PM |
| cingular | $25.00 | $25.00 | 7/22/2009 1:56:35 PM |
| soccerchamp213 | $25.00 | $25.00 | 7/22/2009 6:22:20 PM |
| twerns | $25.00 | $25.00 | 7/22/2009 5:27:11 PM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:51:56 AM |
| sloak | $25.00 | $25.00 | 7/23/2009 8:46:37 AM |
| cawdrw2002 | $25.00 | $25.00 | 7/23/2009 8:56:49 AM |
| StWaldo | $25.00 | $25.00 | 7/23/2009 11:26:36 AM |
| Bigejv | $50.00 | $50.00 | 7/23/2009 12:21:00 PM |
| mjjjrj | $25.00 | $25.00 | 7/23/2009 9:32:10 AM |
| diverse2 | $50.00 | $50.00 | 7/23/2009 10:02:10 AM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 9:46:55 AM |
| labate | $25.00 | $25.00 | 7/23/2009 11:32:26 AM |
| reueljw | $25.00 | $25.00 | 7/23/2009 1:31:40 PM |
| Snoopylover | $25.00 | $25.00 | 7/23/2009 1:12:00 PM |
| sh71 | $25.00 | $25.00 | 7/23/2009 3:06:38 PM |
| tisiphone | $25.00 | $25.00 | 7/23/2009 3:51:43 PM |
| Sofar | $25.00 | $25.00 | 7/23/2009 5:07:19 PM |
| bocap | $25.00 | $25.00 | 7/23/2009 5:32:13 PM |
| Johnab | $25.00 | $25.00 | 7/23/2009 5:31:51 PM |
| koinonea | $25.00 | $25.00 | 7/23/2009 5:37:58 PM |
| szetheli | $50.00 | $50.00 | 7/23/2009 5:48:09 PM |
| Orringo | $25.00 | $25.00 | 7/23/2009 6:28:01 PM |
| wyogirllender | $25.00 | $25.00 | 7/24/2009 9:47:46 AM |
| stikman | $25.00 | $25.00 | 7/24/2009 9:31:36 AM |
| moneyman06 | $25.00 | $25.00 | 7/24/2009 9:31:37 AM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:07 AM |
| EliteCapital | $25.00 | $25.00 | 7/24/2009 10:41:43 AM |
| rcr549 | $50.00 | $50.00 | 7/24/2009 10:36:35 AM |
| latestone | $25.00 | $25.00 | 7/24/2009 11:01:35 AM |
| BritDad | $25.00 | $25.00 | 7/24/2009 11:02:03 AM |
| Seadrag367 | $25.00 | $25.00 | 7/24/2009 2:01:34 PM |
| super505 | $25.00 | $25.00 | 7/24/2009 5:02:40 PM |
| ocv | $25.00 | $25.00 | 7/24/2009 5:03:03 PM |
| dpdaug | $36.59 | $36.59 | 7/24/2009 5:03:16 PM |
| Hoov | $25.00 | $25.00 | 7/24/2009 5:03:27 PM |
| charlieok | $25.00 | $25.00 | 7/24/2009 5:03:36 PM |
| fostaman | $25.00 | $25.00 | 7/24/2009 5:03:55 PM |
| crmoir | $25.00 | $25.00 | 7/24/2009 5:03:59 PM |
| styggammelmann | $25.00 | $25.00 | 7/24/2009 5:02:44 PM |
| laughmotel | $25.00 | $25.00 | 7/24/2009 5:03:01 PM |
| EMMERA52 | $25.00 | $25.00 | 7/24/2009 5:03:25 PM |
| CarlC | $25.00 | $25.00 | 7/24/2009 5:03:32 PM |
| LKN2RTR | $25.00 | $25.00 | 7/24/2009 5:03:40 PM |
| green2brown2 | $25.00 | $25.00 | 7/24/2009 5:03:44 PM |
| mvpratt | $25.00 | $25.00 | 7/24/2009 5:03:48 PM |
| TestClees | $25.00 | $25.00 | 7/24/2009 5:04:00 PM |
| fontana | $25.00 | $25.00 | 7/24/2009 5:04:12 PM |
| mbever10 | $27.04 | $27.04 | 7/24/2009 5:02:35 PM |
| Picopie | $50.00 | $50.00 | 7/24/2009 5:02:54 PM |
| JLEND926121 | $25.00 | $25.00 | 7/24/2009 5:02:58 PM |
| MechEngineer | $25.00 | $25.00 | 7/24/2009 5:03:07 PM |
| skywalkerR5 | $25.00 | $25.00 | 7/24/2009 5:03:13 PM |
| SouthCoast | $25.00 | $25.00 | 7/24/2009 5:04:08 PM |
| protobam | $25.00 | $25.00 | 7/24/2009 5:07:17 PM |
| Mopedcouple | $25.00 | $25.00 | 7/24/2009 5:07:44 PM |
| RDA | $50.00 | $27.61 | 7/24/2009 7:01:58 PM |
| iLoaner | $50.00 | $50.00 | 7/24/2009 5:36:37 PM |
| Robert99 | $25.00 | $25.00 | 7/24/2009 9:15:02 PM |
| ojibwa | $25.00 | $25.00 | 7/24/2009 6:07:00 PM |
| engbusres | $50.00 | $50.00 | 7/24/2009 9:31:59 PM |
| b1geasy | $75.00 | $75.00 | 7/25/2009 5:45:07 AM |
| planky | $50.00 | $50.00 | 7/25/2009 1:22:27 PM |
| mzek | $57.26 | $57.26 | 7/25/2009 11:13:12 AM |
| patriot384 | $50.00 | $50.00 | 7/25/2009 5:08:15 PM |
| Kash2010lu | $25.00 | $25.00 | 7/25/2009 5:57:05 PM |
| mdf84 | $25.00 | $25.00 | 7/26/2009 7:55:31 AM |
| Simply2fly | $25.00 | $25.00 | 7/26/2009 8:07:36 AM |
| myrddraal | $25.00 | $25.00 | 7/26/2009 2:53:46 PM |
| kingtut999 | $25.00 | $25.00 | 7/26/2009 1:21:25 PM |
| Sentosa | $100.00 | $100.00 | 7/26/2009 1:47:36 PM |
| bank-of-lomax | $50.00 | $50.00 | 7/26/2009 2:13:56 PM |
| Jordan1123 | $50.56 | $50.56 | 7/26/2009 4:22:27 PM |
| 371 bids
|
Borrower Payment Dependent Notes Series
416643
This series of Notes was issued and sold upon the funding of the borrower loan #38084, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-15-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Jul-29-2009 |
|
|
Starting lender yield:
| 8.42% |
Starting borrower rate/APR:
| 9.42% / 11.52% |
Starting monthly payment:
| $111.98 |
|
Final lender yield:
| 8.40% |
Final borrower rate/APR:
| 9.40% / 11.50% |
Final monthly payment:
| $111.95 |
| |
|
Auction yield range:
| 4.27% - 8.42% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Mar-1985 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 760-780 (Jul-2009) |
Current / open credit lines:
| 16
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 37 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $30,501 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 60% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| slowriver |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 100% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 740-760
(May-2008)
700-720
(Mar-2007)
|
|
Principal balance:
| $848.31 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
Paying down mortgage & close refi!
I'm a second-time borrower to prosper.com, and am very happy to have this opportunity to pay down my mortgage in order to qualify for a great refinancing deal. I have been working with a mortgage broker for about 6 months, and we are very close to being able to close my loan. The only thing preventing us from moving forward is the Texas law that requires that I have enough equity in my home in order to refinance it, specifically 80% LTV (loan-to-value). My house is worth $282k per the appraisal, and I owe $229k. That means I have 82% loan-to-value, and I need to get it to 80% in order to close the loan.
So in order to qualify, I need to pay down my mortgage a bit. This $3500 loan, along with other cash resources I have, will do that.
By way of background, I live in Austin, TX (live music capital of the world), am a successful computer professional with over 23 years of experience, a homeowner, and someone who has always made his monthly payments completely on time and in full, including my current Prosper loan, which I have had for 2.5 years and never had a late payment.
Please feel free to email with any questions about my loan, my credit history, or my qualifications as a prosper borrower.
Thanks for your time and consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| PaulW | $25.00 | $25.00 | 7/15/2009 10:23:01 AM |
| kegs | $250.00 | $250.00 | 7/15/2009 10:28:11 AM |
| Binan | $25.00 | $24.57 | 7/15/2009 10:31:22 AM |
| NATIVEBORN | $50.00 | $50.00 | 7/15/2009 10:28:54 AM |
| truth-companion | $25.00 | $25.00 | 7/15/2009 10:30:51 AM |
| bondhedger | $25.00 | $25.00 | 7/16/2009 9:06:20 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/16/2009 4:32:24 PM |
| fotep-financial | $25.00 | $25.00 | 7/16/2009 5:09:29 PM |
| munoz44 | $25.00 | $25.00 | 7/17/2009 10:32:02 AM |
| Astyanax | $25.00 | $25.00 | 7/17/2009 11:43:03 AM |
| Faura | $50.00 | $50.00 | 7/19/2009 10:47:57 AM |
| Midg | $25.00 | $25.00 | 7/19/2009 8:37:03 PM |
| mojii77 | $30.00 | $30.00 | 7/20/2009 11:42:43 AM |
| Spring342 | $25.00 | $25.00 | 7/20/2009 12:16:47 PM |
| planky | $50.00 | $50.00 | 7/20/2009 3:09:39 PM |
| BonusTurtle | $25.00 | $25.00 | 7/20/2009 9:50:17 PM |
| interstellar | $50.00 | $50.00 | 7/21/2009 11:37:46 AM |
| amlu1988 | $50.00 | $50.00 | 7/21/2009 8:06:18 PM |
| happy2loan | $25.00 | $25.00 | 7/23/2009 9:48:17 PM |
| wizard750 | $100.00 | $100.00 | 7/25/2009 11:29:31 AM |
| Flying_Tilapia | $25.00 | $25.00 | 7/25/2009 9:59:09 PM |
| MrDavid | $70.00 | $70.00 | 7/26/2009 8:49:31 AM |
| gothampark | $50.00 | $50.00 | 7/26/2009 9:36:38 PM |
| Schlawinzer | $50.00 | $50.00 | 7/27/2009 7:23:12 AM |
| tenchi2777 | $25.00 | $25.00 | 7/27/2009 10:36:14 AM |
| khamen | $25.00 | $25.00 | 7/27/2009 2:18:37 PM |
| dudebrah | $25.00 | $25.00 | 7/27/2009 4:30:59 PM |
| sfd | $50.00 | $50.00 | 7/28/2009 8:57:38 AM |
| lt_dt | $25.00 | $25.00 | 7/28/2009 9:59:50 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 1:12:42 PM |
| BankofBeth | $50.00 | $50.00 | 7/28/2009 3:26:32 PM |
| slxvq | $51.00 | $51.00 | 7/28/2009 3:12:44 PM |
| albatross897 | $25.00 | $25.00 | 7/28/2009 8:12:01 PM |
| violaetain | $50.00 | $50.00 | 7/28/2009 6:46:41 PM |
| kulender | $100.00 | $100.00 | 7/28/2009 8:04:04 PM |
| availableloan | $25.00 | $25.00 | 7/28/2009 8:41:11 PM |
| Svigel | $30.25 | $30.25 | 7/29/2009 6:06:19 AM |
| money-expert | $50.00 | $50.00 | 7/29/2009 6:11:55 AM |
| us957165 | $25.00 | $25.00 | 7/28/2009 11:42:02 PM |
| BidDaddyBigBucks | $25.00 | $25.00 | 7/29/2009 7:37:54 AM |
| toocautious | $100.00 | $100.00 | 7/29/2009 3:02:35 AM |
| rkt88edmo | $25.00 | $25.00 | 7/29/2009 9:46:21 AM |
| ExtraIncome | $50.00 | $50.00 | 7/29/2009 8:06:39 AM |
| totoro | $25.00 | $25.00 | 7/15/2009 10:25:18 AM |
| pakrbkr | $25.00 | $25.00 | 7/15/2009 10:27:52 AM |
| virtualbank | $25.00 | $25.00 | 7/15/2009 10:26:04 AM |
| DukSerduk | $25.00 | $25.00 | 7/15/2009 10:26:18 AM |
| salala | $25.00 | $25.00 | 7/15/2009 10:28:05 AM |
| Sigonio | $25.00 | $25.00 | 7/15/2009 10:26:30 AM |
| rjleves | $25.00 | $25.00 | 7/15/2009 10:26:38 AM |
| bradwill | $50.00 | $50.00 | 7/15/2009 10:29:12 AM |
| redhead21 | $48.77 | $48.77 | 7/15/2009 11:08:54 AM |
| tallcoolone | $25.00 | $25.00 | 7/15/2009 10:29:03 AM |
| ChristopherHS | $25.00 | $25.00 | 7/15/2009 12:34:14 PM |
| Breakfast_Gypsy | $25.00 | $25.00 | 7/16/2009 7:10:06 AM |
| fr0gpil0t | $25.00 | $25.00 | 7/18/2009 5:33:40 AM |
| emunah6 | $25.00 | $25.00 | 7/18/2009 11:05:16 AM |
| bejfishing | $25.00 | $25.00 | 7/19/2009 8:01:25 PM |
| donlenboy | $26.55 | $26.55 | 7/20/2009 10:27:57 AM |
| whois-JohnGalt | $50.00 | $50.00 | 7/20/2009 7:54:30 AM |
| dn0pes | $25.00 | $25.00 | 7/20/2009 11:46:37 AM |
| BonusTurtle | $50.00 | $50.00 | 7/20/2009 9:47:31 PM |
| DADOF1 | $25.00 | $25.00 | 7/22/2009 2:19:07 PM |
| memoe | $25.00 | $25.00 | 7/24/2009 9:57:57 AM |
| fortytwo | $50.00 | $50.00 | 7/25/2009 9:12:41 PM |
| sknop64 | $50.00 | $50.00 | 7/25/2009 10:15:13 PM |
| ehvertherman | $26.81 | $26.81 | 7/27/2009 10:51:39 AM |
| YesMoney | $25.00 | $25.00 | 7/27/2009 2:15:01 PM |
| paramjit | $50.00 | $50.00 | 7/28/2009 2:32:41 PM |
| svandals | $36.54 | $36.54 | 7/28/2009 5:56:42 PM |
| crw1950 | $50.00 | $50.00 | 7/28/2009 8:59:48 PM |
| sab | $25.00 | $25.00 | 7/28/2009 9:06:37 PM |
| nasdaq87 | $25.00 | $25.00 | 7/28/2009 10:23:46 PM |
| RJTintheBK | $25.00 | $25.00 | 7/28/2009 6:47:57 PM |
| StarFundingSource | $25.00 | $25.00 | 7/28/2009 8:28:43 PM |
| Marco83 | $50.00 | $50.00 | 7/29/2009 5:16:58 AM |
| Tabster | $25.00 | $25.00 | 7/29/2009 5:30:40 AM |
| JCMC | $25.00 | $25.00 | 7/28/2009 9:09:27 PM |
| G-Love | $25.00 | $25.00 | 7/29/2009 5:35:20 AM |
| HowardRoark | $50.00 | $50.00 | 7/29/2009 5:54:06 AM |
| x01440 | $80.51 | $80.51 | 7/29/2009 6:11:28 AM |
| njmlaj726 | $50.00 | $50.00 | 7/29/2009 8:33:42 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/29/2009 5:48:26 AM |
| colorunner | $50.00 | $50.00 | 7/29/2009 10:19:08 AM |
| Realjo | $25.00 | $25.00 | 7/29/2009 9:56:57 AM |
| SanJoser | $100.00 | $100.00 | 7/29/2009 9:21:22 AM |
| Kash2010lu | $25.00 | $25.00 | 7/29/2009 9:24:29 AM |
| 909engineer | $25.00 | $25.00 | 7/29/2009 9:42:02 AM |
| greenventures | $25.00 | $25.00 | 7/29/2009 10:07:38 AM |
| 89 bids
|
Borrower Payment Dependent Notes Series
417207
This series of Notes was issued and sold upon the funding of the borrower loan #38076, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction end date:
| Jul-23-2009 |
|
|
Starting lender yield:
| 19.67% |
Starting borrower rate/APR:
| 20.67% / 22.92% |
Starting monthly payment:
| $93.76 |
|
Final lender yield:
| 19.65% |
Final borrower rate/APR:
| 20.65% / 22.90% |
Final monthly payment:
| $93.74 |
| |
|
Auction yield range:
| 8.27% - 19.67% |
Estimated loss impact:
| 8.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 14
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,034 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 51% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| Chess_Player |
Borrower's state:
| Ohio |
Borrower's group:
| Debt Consolidators |
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:
| 31 ( 100% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $8,300.00 | < mo. late:
| 0
( 0% )
| 760-780
(May-2009)
680-700
(Apr-2008)
680-700
(Sep-2007)
540-560
(Dec-2006)
|
|
Principal balance:
| $3,803.38 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
Home Improvements
I will use this loan to make some improvements to my home this spring. I will insulate my attic, hang three exterior doors, and install new gutters and down spouts. I will do the first two jobs on my own, but have a trusted handy man to take care of the gutters. I currently have a loan with prosper, and I have paid one off in the past. I work in finance, so I know the importance of steady, on time payments. The only late payment that I have made in the last 5 years was an online payment that posted a day late. On the employment front, I was promoted in November, so my position is secure.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| tlp43 | $25.00 | $25.00 | 7/20/2009 5:23:35 PM |
| larrybird | $250.00 | $250.00 | 7/20/2009 5:24:36 PM |
| hopethisworks | $50.00 | $50.00 | 7/20/2009 5:25:00 PM |
| rmachi | $25.00 | $25.00 | 7/20/2009 5:24:45 PM |
| d_grbg | $25.00 | $25.00 | 7/20/2009 5:25:27 PM |
| SNH | $25.00 | $25.00 | 7/20/2009 5:25:43 PM |
| nodrivelpls | $25.00 | $25.00 | 7/20/2009 5:26:59 PM |
| jbarron | $25.00 | $25.00 | 7/20/2009 5:27:28 PM |
| ibuystk | $50.00 | $50.00 | 7/20/2009 5:28:42 PM |
| Weaverville | $75.00 | $75.00 | 7/20/2009 5:32:57 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/20/2009 5:28:05 PM |
| MBIntl | $25.00 | $25.00 | 7/20/2009 5:29:00 PM |
| Tavita | $25.00 | $25.00 | 7/20/2009 5:30:56 PM |
| cropdust3r | $25.00 | $25.00 | 7/20/2009 5:33:33 PM |
| MidnightBank | $25.00 | $25.00 | 7/20/2009 5:39:40 PM |
| LibbyZ | $50.00 | $50.00 | 7/20/2009 5:41:35 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/21/2009 7:23:36 AM |
| Shirts | $39.60 | $39.60 | 7/21/2009 5:16:40 PM |
| interstellar | $50.00 | $50.00 | 7/23/2009 11:17:24 AM |
| silver-flower448 | $50.00 | $50.00 | 7/23/2009 12:22:11 PM |
| TennSquire | $25.00 | $25.00 | 7/20/2009 5:23:56 PM |
| loiosh | $25.00 | $25.00 | 7/20/2009 5:25:13 PM |
| anton | $25.00 | $25.00 | 7/20/2009 5:24:16 PM |
| kegs | $250.00 | $250.00 | 7/20/2009 5:24:24 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/20/2009 5:24:29 PM |
| 888168 | $25.00 | $25.00 | 7/20/2009 5:29:33 PM |
| ah-long | $25.00 | $25.00 | 7/20/2009 5:26:47 PM |
| jstefans | $25.00 | $25.00 | 7/20/2009 5:33:11 PM |
| Panitza | $100.00 | $100.00 | 7/20/2009 5:33:17 PM |
| figs4u2 | $200.00 | $200.00 | 7/20/2009 5:29:20 PM |
| ualf | $50.00 | $50.00 | 7/20/2009 5:29:56 PM |
| Artist_Blue | $25.00 | $25.00 | 7/20/2009 5:30:38 PM |
| Cre8iveCash | $25.00 | $25.00 | 7/20/2009 5:31:09 PM |
| Trojan1976 | $25.00 | $25.00 | 7/20/2009 5:31:01 PM |
| GElender | $50.00 | $31.23 | 7/20/2009 5:33:39 PM |
| Rogelio48 | $25.00 | $25.00 | 7/20/2009 5:35:48 PM |
| Traal | $25.00 | $25.00 | 7/20/2009 5:52:05 PM |
| bejfishing | $25.00 | $25.00 | 7/20/2009 7:13:06 PM |
| F_R_B_O_H | $50.00 | $50.00 | 7/20/2009 10:17:00 PM |
| fairgirl | $25.00 | $25.00 | 7/21/2009 10:39:03 AM |
| AllanBK | $30.00 | $30.00 | 7/22/2009 7:50:17 AM |
| schmak99 | $100.00 | $100.00 | 7/22/2009 12:22:54 PM |
| kahekili | $65.65 | $65.65 | 7/22/2009 12:18:21 PM |
| BestDoctors | $50.00 | $50.00 | 7/22/2009 1:42:26 PM |
| MSCG | $100.00 | $100.00 | 7/22/2009 5:00:36 PM |
| stonehillloans | $50.00 | $50.00 | 7/22/2009 3:35:19 PM |
| RKLFinancial | $108.52 | $108.52 | 7/23/2009 12:26:43 PM |
| 47 bids
|
Borrower Payment Dependent Notes Series
416470
This series of Notes was issued and sold upon the funding of the borrower loan #38069, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,750.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Jul-26-2009 |
|
|
Starting lender yield:
| 9.02% |
Starting borrower rate/APR:
| 10.02% / 12.13% |
Starting monthly payment:
| $56.48 |
|
Final lender yield:
| 8.00% |
Final borrower rate/APR:
| 9.00% / 11.09% |
Final monthly payment:
| $55.65 |
| |
|
Auction yield range:
| 4.27% - 9.02% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 7
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,840 |
Occupation: | Realtor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| CREinvestor |
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:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 740-760
(Jun-2008)
|
|
Principal balance:
| $1,742.98 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Lowering Credit Card Rates
Purpose of loan:
This loan will be used to pay off higher interest credit cards. I have made every payment on time with the current interest rates.
My financial situation:
I am a good candidate for this loan because I have a well paying job and am very responsible with our finances.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ChristopherHS | $25.00 | $25.00 | 7/14/2009 11:35:31 AM |
| pugmalion | $25.00 | $25.00 | 7/14/2009 12:34:45 PM |
| poolboy17 | $25.00 | $25.00 | 7/14/2009 8:39:56 PM |
| chops21 | $135.00 | $135.00 | 7/14/2009 8:48:33 PM |
| Stahl | $25.00 | $25.00 | 7/15/2009 8:18:09 AM |
| iceberg982362 | $50.00 | $50.00 | 7/15/2009 11:04:41 AM |
| sgmm330 | $25.00 | $25.00 | 7/15/2009 12:56:13 PM |
| petangerie | $106.96 | $106.96 | 7/15/2009 3:27:26 PM |
| NorCalBanker09 | $25.00 | $25.00 | 7/15/2009 10:51:20 PM |
| rpd1211 | $25.00 | $25.00 | 7/16/2009 9:57:50 AM |
| chicago_skeptic | $25.00 | $25.00 | 7/16/2009 9:38:20 PM |
| OGS_Capital | $25.00 | $25.00 | 7/17/2009 8:58:18 AM |
| Sven79 | $50.00 | $50.00 | 7/17/2009 8:30:30 PM |
| jehopper5 | $25.00 | $25.00 | 7/18/2009 1:08:02 PM |
| Figure4 | $25.00 | $25.00 | 7/18/2009 3:04:10 PM |
| lavb23 | $25.00 | $25.00 | 7/19/2009 5:33:45 PM |
| Hawkeyebank | $25.00 | $25.00 | 7/20/2009 1:21:03 PM |
| JCPlending | $25.00 | $25.00 | 7/20/2009 4:01:04 PM |
| bornsucka | $25.00 | $25.00 | 7/20/2009 10:11:46 PM |
| MapleLaker | $50.00 | $50.00 | 7/21/2009 12:45:45 PM |
| bnewy605 | $25.00 | $25.00 | 7/22/2009 8:11:57 PM |
| sknop64 | $25.00 | $25.00 | 7/22/2009 8:15:38 PM |
| SpEdRights | $41.12 | $41.12 | 7/23/2009 9:32:15 AM |
| pinaypie1 | $50.00 | $50.00 | 7/24/2009 2:41:02 PM |
| roadster199 | $25.00 | $25.00 | 7/24/2009 3:40:20 PM |
| ryan6853 | $25.00 | $25.00 | 7/24/2009 3:51:06 PM |
| myrddraal | $25.00 | $25.00 | 7/24/2009 11:12:09 PM |
| randsenterprise | $25.00 | $25.00 | 7/25/2009 4:40:13 PM |
| memoe | $25.00 | $25.00 | 7/26/2009 7:11:22 AM |
| vinzbee | $50.00 | $50.00 | 7/14/2009 1:00:30 PM |
| Eaglehigh | $25.00 | $25.00 | 7/14/2009 3:35:57 PM |
| First_Rate_Entrepreneur | $25.00 | $25.00 | 7/15/2009 6:56:46 AM |
| otalon | $50.00 | $50.00 | 7/15/2009 7:51:39 AM |
| Kelor99 | $25.00 | $25.00 | 7/15/2009 7:46:26 PM |
| kazanov | $50.00 | $50.00 | 7/16/2009 1:31:01 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/16/2009 4:23:41 PM |
| BumblingStunmbling | $50.00 | $50.00 | 7/16/2009 9:37:08 PM |
| turbospeed | $25.00 | $25.00 | 7/17/2009 12:56:36 AM |
| fr0gpil0t | $50.00 | $50.00 | 7/17/2009 11:11:13 AM |
| Midg | $25.00 | $25.00 | 7/17/2009 9:17:26 AM |
| dpries123 | $25.00 | $25.00 | 7/17/2009 12:30:42 PM |
| dn0pes | $25.00 | $25.00 | 7/17/2009 5:21:47 PM |
| medman | $42.55 | $42.55 | 7/20/2009 5:23:29 PM |
| Snoopylover | $25.00 | $25.00 | 7/21/2009 9:33:19 AM |
| bennymack | $50.00 | $50.00 | 7/22/2009 3:41:29 PM |
| qkinger | $50.00 | $50.00 | 7/23/2009 9:50:39 PM |
| CornerKetch | $25.00 | $25.00 | 7/23/2009 7:02:04 PM |
| myrddraal | $25.00 | $25.00 | 7/24/2009 11:10:20 PM |
| mchoops21 | $25.00 | $25.00 | 7/25/2009 7:18:56 PM |
| fortytwo | $50.00 | $24.37 | 7/25/2009 9:12:32 PM |
| 50 bids
|
Borrower Payment Dependent Notes Series
417640
This series of Notes was issued and sold upon the funding of the borrower loan #38087, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,800.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-22-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Jul-27-2009 |
|
|
Starting lender yield:
| 19.15% |
Starting borrower rate/APR:
| 20.15% / 22.39% |
Starting monthly payment:
| $141.51 |
|
Final lender yield:
| 17.00% |
Final borrower rate/APR:
| 18.00% / 20.21% |
Final monthly payment:
| $137.38 |
| |
|
Auction yield range:
| 8.27% - 19.15% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 9y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $37,886 |
Occupation: | Tradesman - Electri... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 97% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| top-elevated-asset |
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
Reducing Debt
Purpose of loan:
This loan will be used to consolidate a larger payment/higher interest loan in order to free up money for schooling. I have been out of college for 10 years and only have two semesters to go. This loan will free up more than enough money to pay for classes monthly while getting a lower interest rate than the previous loan.
My financial situation:
I am a good candidate for this loan because I have never missed a payment nor have been late. I have a good solid income. I also have incurred debts several years back that I am still paying on, and will do so until I am debt free. I have never been bankrupt as I view my debts as my responsibilities. I understand Prosper has a rating system to provide the most information/least risk to the lender, and unfortunately it paints me as a riskier investment than I am.
Monthly net income: $ 4600
Monthly expenses: $ 3470
Housing: $ 900
Insurance: $ 0
Car expenses: $ 130
Utilities: $ 220
Phone, cable, internet: $ 120
Food, entertainment: $ 300
Clothing, household expenses $ 200
Credit cards and other loans: $ 1400
Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Syzygy | $25.00 | $25.00 | 7/22/2009 3:56:57 PM |
| Fahrquar | $25.00 | $25.00 | 7/22/2009 3:57:05 PM |
| rmachi | $25.00 | $25.00 | 7/22/2009 3:57:14 PM |
| TennSquire | $25.00 | $25.00 | 7/22/2009 3:58:14 PM |
| beyondmanagement | $25.00 | $25.00 | 7/22/2009 3:58:21 PM |
| don8ter | $25.00 | $25.00 | 7/22/2009 3:58:24 PM |
| Josta | $50.00 | $50.00 | 7/22/2009 3:58:28 PM |
| anton | $25.00 | $25.00 | 7/22/2009 3:58:47 PM |
| spike16 | $25.00 | $25.00 | 7/22/2009 3:59:25 PM |
| CaboWaboRobo | $25.00 | $25.00 | 7/22/2009 3:59:43 PM |
| Ryman81580 | $25.00 | $25.00 | 7/22/2009 3:59:50 PM |
| TrustinOthers | $25.00 | $25.00 | 7/22/2009 4:00:09 PM |
| Zipline | $25.00 | $25.00 | 7/22/2009 3:57:04 PM |
| hopethisworks | $50.00 | $50.00 | 7/22/2009 3:57:19 PM |
| 888168 | $25.00 | $25.00 | 7/22/2009 3:57:48 PM |
| tlp43 | $25.00 | $25.00 | 7/22/2009 3:57:10 PM |
| lagnisiruk | $25.00 | $25.00 | 7/22/2009 3:58:43 PM |
| GMPK_TLAS | $45.00 | $45.00 | 7/22/2009 3:59:04 PM |
| ribbles | $50.00 | $50.00 | 7/22/2009 3:59:06 PM |
| ohnezweck | $25.00 | $25.00 | 7/22/2009 3:59:29 PM |
| puifais | $25.00 | $25.00 | 7/22/2009 3:59:35 PM |
| zaxsan | $25.00 | $25.00 | 7/22/2009 3:59:41 PM |
| Weaverville | $75.00 | $75.00 | 7/22/2009 3:58:16 PM |
| Bank_Of_XL | $100.00 | $100.00 | 7/22/2009 9:08:30 PM |
| moopi | $25.00 | $25.00 | 7/22/2009 3:59:47 PM |
| zeelender | $25.00 | $25.00 | 7/22/2009 3:59:54 PM |
| skibum65 | $50.00 | $50.00 | 7/22/2009 3:59:57 PM |
| bulabula | $25.00 | $25.00 | 7/22/2009 3:58:53 PM |
| Champpilot | $50.00 | $50.00 | 7/22/2009 3:59:00 PM |
| madmccoy | $25.00 | $25.00 | 7/22/2009 4:00:38 PM |
| FeedTheMachine | $50.00 | $50.00 | 7/22/2009 4:00:11 PM |
| mmckune | $25.00 | $25.00 | 7/22/2009 4:00:14 PM |
| money-expert | $50.00 | $50.00 | 7/22/2009 4:00:23 PM |
| incbx | $50.00 | $50.00 | 7/22/2009 4:00:47 PM |
| YogaDude34 | $25.00 | $25.00 | 7/22/2009 4:01:12 PM |
| kaykarun | $25.00 | $25.00 | 7/22/2009 7:41:33 PM |
| aFro | $25.00 | $25.00 | 7/23/2009 5:12:19 AM |
| theRabbi | $25.00 | $25.00 | 7/23/2009 9:33:02 AM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 9:47:37 AM |
| draggon77 | $25.00 | $25.00 | 7/23/2009 12:02:56 PM |
| greenwell | $25.00 | $25.00 | 7/23/2009 5:41:50 PM |
| the-profit-oracle | $25.00 | $25.00 | 7/23/2009 8:16:48 PM |
| bondhedger | $25.00 | $25.00 | 7/24/2009 8:05:40 AM |
| Cre8iveCash | $25.00 | $25.00 | 7/24/2009 8:33:17 AM |
| maverickfella | $25.00 | $25.00 | 7/24/2009 8:33:30 AM |
| NATIVEBORN | $25.00 | $25.00 | 7/24/2009 7:57:04 AM |
| skiberdad | $50.00 | $50.00 | 7/24/2009 9:17:58 AM |
| loan-master996 | $50.00 | $50.00 | 7/24/2009 8:33:31 AM |
| mdf | $50.00 | $50.00 | 7/24/2009 8:33:29 AM |
| DadWarbucks | $50.00 | $50.00 | 7/24/2009 8:36:39 AM |
| thedreamer | $25.00 | $25.00 | 7/24/2009 9:17:33 AM |
| ah-long | $25.00 | $25.00 | 7/24/2009 9:19:02 AM |
| loiosh | $25.00 | $25.00 | 7/24/2009 9:19:09 AM |
| alverado | $25.00 | $25.00 | 7/24/2009 12:56:53 PM |
| Loan_Stranger | $50.00 | $50.00 | 7/24/2009 8:01:50 PM |
| Flying_Tilapia | $50.00 | $50.00 | 7/25/2009 9:14:20 PM |
| PalmTreeIsland | $50.00 | $50.00 | 7/22/2009 3:57:02 PM |
| ualf | $50.00 | $50.00 | 7/22/2009 3:57:50 PM |
| Trojan1976 | $25.00 | $25.00 | 7/22/2009 3:57:57 PM |
| GElender | $50.00 | $50.00 | 7/22/2009 3:58:18 PM |
| money2k | $25.00 | $25.00 | 7/22/2009 3:58:56 PM |
| compassion-paladin042 | $25.00 | $25.00 | 7/22/2009 3:59:27 PM |
| unclejaef | $25.00 | $25.00 | 7/22/2009 4:00:21 PM |
| jstefans | $25.00 | $25.00 | 7/22/2009 4:00:26 PM |
| larrybird | $250.00 | $250.00 | 7/22/2009 4:00:45 PM |
| EricLender | $25.00 | $25.00 | 7/22/2009 4:00:54 PM |
| sail120 | $25.00 | $25.00 | 7/22/2009 6:22:18 PM |
| nodrivelpls | $25.00 | $25.00 | 7/22/2009 3:57:32 PM |
| gilbow | $25.00 | $25.00 | 7/22/2009 3:58:37 PM |
| Rogelio48 | $25.00 | $25.00 | 7/22/2009 3:57:00 PM |
| kegs | $250.00 | $250.00 | 7/22/2009 3:58:51 PM |
| SNH | $25.00 | $25.00 | 7/22/2009 3:57:26 PM |
| jbarron | $25.00 | $25.00 | 7/22/2009 3:57:37 PM |
| PHI4308 | $25.00 | $25.00 | 7/22/2009 3:59:10 PM |
| figs4u2 | $200.00 | $200.00 | 7/22/2009 3:57:45 PM |
| Artist_Blue | $25.00 | $25.00 | 7/22/2009 3:57:52 PM |
| mrzz | $25.00 | $25.00 | 7/22/2009 3:58:07 PM |
| Hexnut | $25.00 | $25.00 | 7/22/2009 4:00:01 PM |
| andrewnar | $25.00 | $25.00 | 7/22/2009 4:00:06 PM |
| keeks | $25.00 | $25.00 | 7/22/2009 3:59:18 PM |
| fareast_man | $25.00 | $25.00 | 7/22/2009 4:00:51 PM |
| kyxysyx | $50.00 | $50.00 | 7/22/2009 3:59:32 PM |
| Westsider | $25.00 | $25.00 | 7/22/2009 3:59:40 PM |
| pbo922 | $25.00 | $25.00 | 7/22/2009 4:01:16 PM |
| wwwUniversal | $25.00 | $25.00 | 7/22/2009 3:59:45 PM |
| Aquani | $50.00 | $50.00 | 7/22/2009 3:59:52 PM |
| Aquafina24Ounce | $25.00 | $25.00 | 7/22/2009 3:59:59 PM |
| leftcoast52 | $25.00 | $25.00 | 7/22/2009 4:00:33 PM |
| mydreamsagain | $25.00 | $25.00 | 7/22/2009 4:00:37 PM |
| 108lender | $75.00 | $75.00 | 7/22/2009 4:01:09 PM |
| zigzagz03 | $25.00 | $25.00 | 7/23/2009 5:12:22 AM |
| RusRobo | $25.00 | $25.00 | 7/23/2009 9:36:59 PM |
| d_grbg | $25.00 | $25.00 | 7/24/2009 9:19:06 AM |
| able2help | $25.00 | $25.00 | 7/24/2009 8:32:09 AM |
| rjleves | $25.00 | $25.00 | 7/24/2009 10:18:18 AM |
| LarryNY | $25.00 | $25.00 | 7/24/2009 11:56:39 AM |
| zrohmm | $25.00 | $10.00 | 7/24/2009 2:22:08 PM |
| fortytwo | $70.00 | $70.00 | 7/25/2009 9:01:59 PM |
| building_community | $25.00 | $25.00 | 7/26/2009 5:40:05 PM |
| 99 bids
|
Borrower Payment Dependent Notes Series
417902
This series of Notes was issued and sold upon the funding of the borrower loan #38066, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Auction start date:
| Jul-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Jul-27-2009 |
|
|
Starting lender yield:
| 15.47% |
Starting borrower rate/APR:
| 16.47% / 18.66% |
Starting monthly payment:
| $70.78 |
|
Final lender yield:
| 15.47% |
Final borrower rate/APR:
| 16.47% / 18.66% |
Final monthly payment:
| $70.78 |
| |
|
Auction yield range:
| 6.27% - 15.47% |
Estimated loss impact:
| 5.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.20% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 9
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 5y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $42,397 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 92% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| crj700 |
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:
| 13 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $17,000.00 | < mo. late:
| 0
( 0% )
| 740-760
(Jun-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Rental Property repairs
Purpose of loan:
This loan will be used to? Repair Brick and mortar by tuck pointing.
My financial situation: I recently sold my home and had to take a huge loss that required me to drain the bank account of my cash reserves for closing. I have a 3 unit rental building that needs some brick work done immediately. the brick has fallen out in places and has provided a way for bats to find nesting grounds in my attic spaces. They enter where there are holes in the brick or mortar. This needs to be handled immediately because these bats have brought guest with them. They are hosts to Bat Bugs! These bugs are just like bed bugs! As you can imagine this is causing major problems with the tenants. Repairs are approx 2000.00 dollars
. I am as honest and responsible as they come and I believe integrity is the foundation for everything in life. Please lend me the money and you wont be disappointed. Here is my income and expenses snap shot.
EXPENSES:
Rental mortgages 3200.00 per month
Cell Phone 100.00
Rent 400.00
Credit Cards 800.00
Insurance 100.00
INCOME :
Rents 3800.00 per month
Work 6000.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| money-expert | $50.00 | $50.00 | 7/24/2009 4:14:35 PM |
| MrEville | $25.00 | $25.00 | 7/24/2009 7:49:49 PM |
| Eaglehigh | $50.00 | $50.00 | 7/25/2009 11:27:08 AM |
| Flying_Tilapia | $100.00 | $100.00 | 7/25/2009 9:25:40 PM |
| titancash4u | $50.00 | $50.00 | 7/26/2009 3:59:46 AM |
| riverzeus | $25.00 | $25.00 | 7/26/2009 4:41:15 PM |
| bondhedger | $25.00 | $25.00 | 7/27/2009 6:17:08 AM |
| dextro | $51.24 | $51.24 | 7/26/2009 9:31:39 PM |
| Bank_Of_XL | $100.00 | $100.00 | 7/27/2009 6:59:31 AM |
| packrs1 | $25.00 | $25.00 | 7/27/2009 9:42:37 AM |
| dcm6276 | $50.00 | $50.00 | 7/27/2009 10:08:43 AM |
| karmanxten | $25.00 | $25.00 | 7/27/2009 11:03:14 AM |
| fcb202 | $25.00 | $25.00 | 7/27/2009 10:12:17 AM |
| Mr_Katana | $25.00 | $25.00 | 7/24/2009 5:02:02 PM |
| 1traveler | $50.00 | $50.00 | 7/25/2009 1:22:41 AM |
| Engineer44 | $30.00 | $30.00 | 7/25/2009 8:01:30 AM |
| periko | $50.00 | $50.00 | 7/25/2009 9:50:49 AM |
| whois-JohnGalt | $25.00 | $25.00 | 7/26/2009 4:01:32 AM |
| Flinius | $75.00 | $75.00 | 7/26/2009 9:36:05 AM |
| Traal | $25.00 | $25.00 | 7/27/2009 6:51:43 AM |
| Schlawinzer | $50.00 | $50.00 | 7/27/2009 7:27:33 AM |
| karmanxten | $1,000.76 | $1,000.76 | 7/27/2009 6:46:39 AM |
| planky | $50.00 | $43.00 | 7/27/2009 10:11:34 AM |
| integrity-monster | $25.00 | $25.00 | 7/27/2009 10:09:13 AM |
| 24 bids
|