Sales Report:Supplement No. 32 dated Sep 04, 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
419954
This series of Notes was issued and sold upon the funding of the borrower loan #38365, 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:
| Aug-18-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 14.12% |
Starting monthly payment:
| $116.23 |
|
Final lender yield:
| 9.00% |
Final borrower rate/APR:
| 10.00% / 12.11% |
Final monthly payment:
| $112.94 |
| |
|
Auction yield range:
| 4.18% - 10.99% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
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:
| Dec-2005 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 11
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 13 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,389 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 34% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| LordBP |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Feb-2008)
720-740
(Jul-2007)
|
|
Principal balance:
| $728.08 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Paying off high rate credit cards
Purpose of loan:
This loan will be used to pay off several high rate credit cards (15% +).My financial situation:
I have a few high interest credit cards that I would like to pay off with this loan to get a lower rate. I am a good candidate for this loan because I always pay all my bills on time
and have a stable job providing plenty of income to repay my loan. Also if needed I have enough money in investments to cover this loan.
Budget:Monthly Pay: $2400
??? Rent including utilities: $800Cell Phone: $85Car insurance: $100 (Own my
car so no car payments)Groceries:
$300Dining
Out/Entertainment: $200Gas:
$100Student
Loans: $200Prosper:
$120Left
for anything else: $490
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) |
|
| turbospeed | $25.00 | $25.00 | 8/18/2009 4:14:57 PM |
| Syzygy | $25.00 | $25.00 | 8/18/2009 4:23:00 PM |
| McChan | $100.00 | $100.00 | 8/21/2009 12:01:41 PM |
| Finspons | $30.00 | $30.00 | 8/21/2009 3:43:27 PM |
| hellasow | $25.00 | $25.00 | 8/23/2009 7:51:34 AM |
| building_community | $25.00 | $25.00 | 8/28/2009 7:27:44 PM |
| JerryB96 | $25.00 | $25.00 | 8/29/2009 9:04:59 AM |
| Newfoundcash | $25.00 | $25.00 | 8/30/2009 2:44:32 PM |
| bornsucka | $25.00 | $25.00 | 8/31/2009 12:56:26 PM |
| chrisb4745 | $25.00 | $25.00 | 8/31/2009 4:20:39 PM |
| dud | $50.00 | $50.00 | 8/31/2009 5:06:36 PM |
| namd | $50.00 | $14.05 | 8/31/2009 8:59:07 PM |
| BAEVentures | $25.00 | $25.00 | 8/31/2009 10:58:24 PM |
| ultimatepaintball | $30.56 | $30.56 | 8/31/2009 11:12:49 PM |
| bowl800 | $25.00 | $25.00 | 8/31/2009 7:32:27 PM |
| maga | $50.00 | $50.00 | 9/1/2009 6:57:35 AM |
| amlu1988 | $25.00 | $25.00 | 9/1/2009 7:08:54 AM |
| OGS_Capital | $25.00 | $25.00 | 9/1/2009 4:59:59 AM |
| redrose1518 | $50.00 | $50.00 | 9/1/2009 6:09:33 AM |
| uncle101 | $25.00 | $25.00 | 9/1/2009 4:03:17 AM |
| jayh888 | $29.39 | $29.39 | 9/1/2009 10:50:58 AM |
| sorace | $50.00 | $50.00 | 9/1/2009 6:27:54 AM |
| IM-SHARKY | $500.00 | $500.00 | 9/1/2009 7:56:36 AM |
| JJ-Loans | $100.00 | $100.00 | 9/1/2009 8:05:28 AM |
| eureka117 | $25.00 | $25.00 | 9/1/2009 8:37:05 AM |
| LAKETIME | $25.00 | $25.00 | 9/1/2009 10:03:26 AM |
| note-pursuit | $25.00 | $25.00 | 9/1/2009 2:23:45 PM |
| arkleseizure | $25.00 | $25.00 | 9/1/2009 3:36:09 PM |
| COtheBeast | $25.00 | $25.00 | 9/1/2009 3:42:02 PM |
| FarmersBank | $25.00 | $25.00 | 9/1/2009 1:27:19 PM |
| rmpedi33 | $50.00 | $50.00 | 9/1/2009 1:31:30 PM |
| zapquoc | $25.00 | $25.00 | 9/1/2009 1:41:15 PM |
| djfrugal | $25.00 | $25.00 | 9/1/2009 1:43:00 PM |
| radiant-value | $25.00 | $25.00 | 9/1/2009 12:33:05 PM |
| MrLeft | $30.00 | $30.00 | 9/1/2009 12:39:30 PM |
| kander80 | $25.00 | $25.00 | 9/1/2009 2:41:28 PM |
| Mowtown | $100.00 | $100.00 | 9/1/2009 2:57:13 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/1/2009 3:13:43 PM |
| Schwamie | $25.00 | $25.00 | 9/1/2009 3:20:08 PM |
| Uwantfunds | $100.00 | $100.00 | 9/1/2009 3:22:09 PM |
| MacBrandon | $25.00 | $25.00 | 9/1/2009 3:51:02 PM |
| shellstar | $25.00 | $25.00 | 9/1/2009 1:41:47 PM |
| HarleyBoy | $50.00 | $50.00 | 9/1/2009 1:59:06 PM |
| 113121 | $25.00 | $25.00 | 9/1/2009 2:18:54 PM |
| id26709 | $25.00 | $25.00 | 9/1/2009 2:29:04 PM |
| yu-rik | $50.00 | $50.00 | 9/1/2009 3:22:58 PM |
| mjcareful | $25.00 | $25.00 | 9/1/2009 3:33:45 PM |
| MoneyForNothing | $50.00 | $50.00 | 8/19/2009 7:31:38 AM |
| zento | $25.00 | $25.00 | 8/25/2009 9:37:30 AM |
| Sven79 | $250.00 | $250.00 | 8/26/2009 12:54:44 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 8/27/2009 7:27:10 PM |
| BankofBeth | $50.00 | $50.00 | 8/31/2009 10:33:12 AM |
| DavronFunding | $25.00 | $25.00 | 8/31/2009 5:29:36 PM |
| 78 | $25.00 | $25.00 | 8/31/2009 7:36:24 PM |
| JPK-Financial | $25.00 | $25.00 | 8/31/2009 8:09:15 PM |
| LittleMingo | $25.00 | $25.00 | 8/31/2009 5:50:02 PM |
| trekkie3po | $25.00 | $25.00 | 8/31/2009 8:18:20 PM |
| jetblack | $50.00 | $50.00 | 8/31/2009 8:35:22 PM |
| GBlack | $25.00 | $25.00 | 8/31/2009 11:36:50 PM |
| 420limo | $25.00 | $25.00 | 8/31/2009 9:45:26 PM |
| Kash2010lu | $25.00 | $25.00 | 9/1/2009 6:14:13 AM |
| kjb1971 | $25.00 | $25.00 | 9/1/2009 12:50:31 AM |
| tenchi2777 | $25.00 | $25.00 | 9/1/2009 10:35:56 AM |
| Svigel | $25.00 | $25.00 | 9/1/2009 6:55:01 AM |
| Jakes_Bank | $25.00 | $25.00 | 9/1/2009 5:30:59 AM |
| bossyboots01 | $25.00 | $25.00 | 9/1/2009 5:34:19 AM |
| fatboy888 | $25.00 | $25.00 | 9/1/2009 5:43:25 AM |
| maga | $50.00 | $50.00 | 9/1/2009 10:58:49 AM |
| khamen | $25.00 | $25.00 | 9/1/2009 10:14:57 AM |
| njmlaj726 | $25.00 | $25.00 | 9/1/2009 8:38:37 AM |
| medkoder | $25.00 | $25.00 | 9/1/2009 10:40:44 AM |
| crazybill | $25.00 | $25.00 | 9/1/2009 2:07:34 PM |
| outdoorduck8 | $25.00 | $25.00 | 9/1/2009 2:22:15 PM |
| calm-p2ploan | $25.00 | $25.00 | 9/1/2009 2:53:56 PM |
| payout-magician | $25.00 | $25.00 | 9/1/2009 3:20:26 PM |
| ezvest | $50.00 | $50.00 | 9/1/2009 12:30:03 PM |
| Snoopylover | $25.00 | $25.00 | 9/1/2009 1:37:09 PM |
| clemclan | $40.00 | $40.00 | 9/1/2009 12:02:54 PM |
| autumn_leaves | $25.00 | $25.00 | 9/1/2009 4:08:08 PM |
| fantasysports | $25.00 | $25.00 | 9/1/2009 1:59:28 PM |
| glazeddonuts | $25.00 | $25.00 | 9/1/2009 1:15:19 PM |
| umwol13 | $25.00 | $25.00 | 9/1/2009 3:23:22 PM |
| opus08 | $25.00 | $25.00 | 9/1/2009 2:39:13 PM |
| dhallii | $51.00 | $51.00 | 9/1/2009 3:02:53 PM |
| bondhedger | $25.00 | $25.00 | 9/1/2009 3:33:54 PM |
| RIVERBEND | $25.00 | $25.00 | 9/1/2009 3:43:04 PM |
| 86 bids
|
Borrower Payment Dependent Notes Series
420318
This series of Notes was issued and sold upon the funding of the borrower loan #38391, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-13-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-27-2009 |
|
|
Starting lender yield:
| 20.11% |
Starting borrower rate/APR:
| 21.11% / 24.92% |
Starting monthly payment:
| $37.73 |
|
Final lender yield:
| 13.00% |
Final borrower rate/APR:
| 14.00% / 17.65% |
Final monthly payment:
| $34.18 |
| |
|
Auction yield range:
| 8.18% - 20.11% |
Estimated loss impact:
| 6.79% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.21% | | |
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:
| Apr-1998 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 680-700 (Aug-2009) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 34 | Length of status: | 5y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,912 |
Occupation: | Professor |
|
Public records last 12m / 10y:
| 0/ 2 |
Bankcard utilization:
| 84% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| first-refined-income |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for emergency auto repairs
Purpose of loan:
This loan will be used to? Pay for emergency auto repairs. The vehicle died on me in a parking lot.? It was towed to Pep Boys Auto Repair.? I was told by their mechanic that I need a new fuel pump and filter. I normally have cash on stand? by, but I have been helping family members and came up short. I won't be able to start replenishing my accounts until September 2009. School starts in three weeks and I need my car to get to work.
My financial situation:
I am a good candidate for this loan because? I always pay my bills early and usually pay more than the required amount.?My credit is probably fair but that in no way reflects my ability to quickly repay this loan.
Monthly net income: $ 3844.00
Monthly expenses: $ 1700.00
??Housing: $ 200.00
??Insurance: $650.00 (six months)
??Car expenses: $ 100.00
??Utilities: $75.00
??Phone, cable, internet: $ 275.00
??Food, entertainment: $ 125.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 125.00
??Other expenses: $ 0
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:
Could you go into more detail about the two public records that are stated on your credit report? How long ago were they and are you in a different situation now? - ErikB
A:
One item concerns Federal tax debt incurred after military service. I went through a long period of unemployment and when I did find work, the jobs available did not pay much. I fell behind on the taxes and it added up. I am able to pay the IRS 500.00 per month in a payment plan. Item two is debt associated with students loans I took out to educate and improve myself. I am in a better position now than I was 6 years ago. Both debts are covered and won't interfere with repaying this loan.
(Aug-20-2009)
Q:
Why is your housing expense so low? - ErikB
A:
My housing expenses our low because I share space with my disabled Brother. We both took care of our Mother until she passed away last October and currently occupy the living space she had. All the debt was then split three ways. We anticipate the rent being adjusted but that is not slated to happen for at least a year.
(Aug-20-2009)
Q:
If you pay the IRS $500 per month, why is that not reflected in your expenses? Is it reflected in your DTI? - Techne_Funds_LLC
A:
I consider the payment an item I simply have to pay until the debt is finished. Since it is listed as a public record and the infromation is readily aviailable to any lender, I did not think to include it.
(Aug-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| whois-JohnGalt | $25.00 | $25.00 | 8/22/2009 2:12:18 PM |
| e3oM | $50.00 | $50.00 | 8/25/2009 5:51:07 PM |
| ShermanSteve | $25.00 | $25.00 | 8/25/2009 7:55:04 PM |
| lendaton | $50.00 | $50.00 | 8/26/2009 4:41:41 PM |
| KTOWN | $25.00 | $25.00 | 8/26/2009 11:18:46 PM |
| investmentgroup | $25.00 | $25.00 | 8/26/2009 7:15:28 PM |
| jasunshine | $25.00 | $25.00 | 8/27/2009 7:49:47 AM |
| lnrn | $57.78 | $57.78 | 8/27/2009 10:44:10 AM |
| SmartBanking | $26.56 | $26.56 | 8/27/2009 11:14:29 AM |
| Bill88 | $25.00 | $25.00 | 8/27/2009 3:27:54 PM |
| packrs1 | $50.00 | $50.00 | 8/27/2009 2:41:58 PM |
| PotBellyPete | $43.95 | $43.95 | 8/27/2009 4:11:26 PM |
| division177 | $25.00 | $25.00 | 8/27/2009 4:27:12 PM |
| berf | $58.00 | $58.00 | 8/27/2009 4:27:21 PM |
| carmat60 | $25.00 | $25.00 | 8/25/2009 2:17:00 AM |
| smalltown_mn | $25.71 | $25.71 | 8/25/2009 10:14:46 AM |
| rome1426 | $25.00 | $25.00 | 8/25/2009 7:39:39 PM |
| Jinja | $25.00 | $25.00 | 8/26/2009 6:55:58 AM |
| Astyanax | $25.00 | $25.00 | 8/26/2009 2:53:06 PM |
| Saving4Food | $25.00 | $25.00 | 8/26/2009 4:28:16 PM |
| easymoney4me | $34.94 | $13.00 | 8/26/2009 4:11:40 PM |
| Snoopylover | $25.00 | $25.00 | 8/26/2009 5:13:16 PM |
| zapquoc | $25.00 | $25.00 | 8/26/2009 8:17:31 PM |
| Mission1 | $25.00 | $25.00 | 8/26/2009 9:32:20 PM |
| khamlagirl | $25.00 | $25.00 | 8/27/2009 4:41:10 AM |
| maga | $50.00 | $50.00 | 8/27/2009 10:28:58 AM |
| Leshan | $50.00 | $50.00 | 8/27/2009 12:18:39 PM |
| yu-rik | $50.00 | $50.00 | 8/27/2009 3:56:30 PM |
| richmondcowboy | $50.00 | $50.00 | 8/27/2009 2:11:55 PM |
| Ray3486 | $25.00 | $25.00 | 8/27/2009 3:24:51 PM |
| 30 bids
|
Borrower Payment Dependent Notes Series
420378
This series of Notes was issued and sold upon the funding of the borrower loan #38394, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-13-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-27-2009 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 31.87% |
Starting monthly payment:
| $168.71 |
|
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $162.02 |
| |
|
Auction yield range:
| 11.18% - 28.50% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.77% | | |
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:
| Nov-2003 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 640-660 (Aug-2009) |
Current / open credit lines:
| 16
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 25 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,715 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 43% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| coin-formula |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Credit Cards
Purpose of loan:
This loan will be used to pay off debt, I am trying to move out of my parents house and get a place of my own with my girlfriend.
My financial situation: I have a small amount of debt, but I'm throwing all my money at the debts to pay it off so I can move out, but I have to live as well so everything that I buy seems to go on credit cards.
I am a good candidate for this loan because?I have learned my lesson with debt. I have the money to pay on a loan but I just don't have the credit because of a shady debt company that hurt my credit score.
Monthly net income: $ 1600
Monthly expenses: $ 600
??Housing: $
??Insurance: $
??Car expenses: $260
??Utilities: $
??Phone, cable, internet: $70
??Food, entertainment: $200
??Clothing, household expenses $0
??Credit cards and other loans: $Right now its 900 but with a loan from you I wouldn't be using credit cards anymore
??Other expenses: $0
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) |
|
| thedreamer | $25.00 | $25.00 | 8/13/2009 4:40:45 PM |
| delivery | $25.00 | $25.00 | 8/13/2009 4:43:18 PM |
| secobarbital | $25.00 | $25.00 | 8/13/2009 4:39:03 PM |
| Mantis75 | $25.00 | $25.00 | 8/13/2009 4:39:52 PM |
| ChrisTJ | $25.00 | $25.00 | 8/17/2009 9:26:48 PM |
| SNH | $25.00 | $25.00 | 8/19/2009 5:12:23 AM |
| Kaj | $25.00 | $25.00 | 8/19/2009 7:48:39 AM |
| Halos2002 | $25.00 | $25.00 | 8/20/2009 4:25:44 PM |
| MicroPod | $25.00 | $25.00 | 8/20/2009 4:26:17 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 4:28:00 PM |
| Sateesh | $100.00 | $100.00 | 8/23/2009 7:27:38 AM |
| NATIVEBORN | $25.00 | $25.00 | 8/23/2009 11:29:43 AM |
| fortytwo | $25.00 | $25.00 | 8/23/2009 11:29:51 AM |
| Artist_Blue | $25.00 | $25.00 | 8/23/2009 9:27:20 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/23/2009 7:07:18 PM |
| sk8ndive | $25.00 | $25.00 | 8/24/2009 10:05:09 AM |
| mrzz | $25.00 | $25.00 | 8/24/2009 10:09:34 AM |
| kyxysyx | $50.00 | $50.00 | 8/24/2009 10:11:11 AM |
| dough-bear | $43.85 | $43.85 | 8/24/2009 10:21:30 AM |
| divedude | $25.00 | $25.00 | 8/24/2009 10:21:46 AM |
| simplewareinc | $50.00 | $50.00 | 8/24/2009 10:23:15 AM |
| mirolender | $25.00 | $25.00 | 8/24/2009 10:24:09 AM |
| honorable-yield | $25.00 | $25.00 | 8/24/2009 10:04:50 AM |
| schnatty | $25.00 | $25.00 | 8/24/2009 10:05:20 AM |
| GElender | $25.00 | $25.00 | 8/24/2009 10:05:52 AM |
| slcchad | $25.00 | $25.00 | 8/24/2009 10:06:19 AM |
| Moron_Buffet | $25.00 | $25.00 | 8/24/2009 10:10:54 AM |
| mydreamsagain | $25.00 | $25.00 | 8/24/2009 10:07:06 AM |
| Marfloogan | $25.00 | $25.00 | 8/24/2009 10:07:45 AM |
| restech | $25.00 | $25.00 | 8/24/2009 10:11:33 AM |
| Georgetastic | $25.00 | $25.00 | 8/24/2009 10:12:31 AM |
| unclejaef | $25.00 | $25.00 | 8/24/2009 10:10:51 AM |
| Raetha | $25.00 | $25.00 | 8/24/2009 10:11:17 AM |
| brmar | $25.00 | $25.00 | 8/24/2009 10:12:18 AM |
| money-expert | $25.00 | $25.00 | 8/24/2009 10:18:34 AM |
| greenwell | $25.00 | $25.00 | 8/24/2009 10:22:04 AM |
| teega5 | $25.00 | $25.00 | 8/24/2009 10:20:30 AM |
| 108lender | $48.51 | $48.51 | 8/24/2009 10:23:35 AM |
| rhin0cerx | $50.00 | $50.00 | 8/24/2009 10:23:58 AM |
| oldmora | $25.00 | $25.00 | 8/24/2009 10:24:02 AM |
| puifais | $25.00 | $7.71 | 8/24/2009 10:24:15 AM |
| redbomb5 | $25.00 | $25.00 | 8/24/2009 10:22:15 AM |
| moopi | $25.00 | $25.00 | 8/24/2009 10:23:35 AM |
| jstefans | $25.00 | $25.00 | 8/24/2009 10:24:02 AM |
| genuine-diversification5 | $40.00 | $40.00 | 8/25/2009 9:50:26 AM |
| lawyervon | $25.00 | $25.00 | 8/25/2009 10:14:21 AM |
| aha6297 | $30.36 | $30.36 | 8/25/2009 12:31:47 PM |
| jgar_O | $25.00 | $25.00 | 8/25/2009 4:29:24 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/25/2009 9:52:09 PM |
| PotBellyPete | $25.00 | $25.00 | 8/26/2009 7:11:36 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/26/2009 7:38:00 AM |
| engrossing-deal | $25.00 | $25.00 | 8/26/2009 8:48:26 AM |
| oregonusa | $25.00 | $25.00 | 8/26/2009 11:18:55 AM |
| cemseller | $25.00 | $25.00 | 8/26/2009 4:09:19 PM |
| PumpkinHead406 | $25.00 | $25.00 | 8/26/2009 4:09:25 PM |
| b-rent | $25.00 | $25.00 | 8/26/2009 4:07:33 PM |
| LibbyZ | $29.81 | $29.81 | 8/26/2009 4:10:28 PM |
| bartenderpro | $25.00 | $25.00 | 8/26/2009 5:22:14 PM |
| nbhz60a | $25.00 | $25.00 | 8/26/2009 7:28:50 PM |
| Ray3486 | $25.00 | $25.00 | 8/26/2009 5:38:22 PM |
| Gaelicman | $100.00 | $100.00 | 8/26/2009 9:00:01 PM |
| myduck | $50.00 | $50.00 | 8/27/2009 5:48:14 AM |
| GreenHill | $25.00 | $25.00 | 8/27/2009 1:07:24 AM |
| Taho | $50.00 | $50.00 | 8/27/2009 7:15:21 AM |
| silvercertificate | $25.00 | $25.00 | 8/27/2009 8:45:47 AM |
| kindness-jedi | $25.00 | $25.00 | 8/27/2009 10:39:04 AM |
| piano55 | $41.39 | $41.39 | 8/27/2009 10:47:57 AM |
| hamster | $25.55 | $25.55 | 8/27/2009 12:36:21 PM |
| bondo41 | $25.00 | $25.00 | 8/27/2009 12:40:55 PM |
| garnetchik | $26.36 | $26.36 | 8/27/2009 12:52:59 PM |
| realtormoises | $25.00 | $25.00 | 8/27/2009 12:06:53 PM |
| mpatrick | $142.77 | $142.77 | 8/27/2009 2:55:58 PM |
| thatin | $25.00 | $25.00 | 8/27/2009 3:06:58 PM |
| seisen | $50.00 | $50.00 | 8/17/2009 9:32:14 AM |
| FeedTheMachine | $53.95 | $53.95 | 8/17/2009 7:20:53 PM |
| anton | $25.00 | $25.00 | 8/17/2009 9:26:50 PM |
| j-lender | $25.00 | $25.00 | 8/19/2009 3:26:44 PM |
| decisive-capital | $30.00 | $30.00 | 8/19/2009 9:28:24 PM |
| willingnjc | $25.00 | $25.00 | 8/19/2009 9:37:23 PM |
| lagnisiruk | $25.00 | $25.00 | 8/21/2009 8:47:34 AM |
| skro | $25.00 | $25.00 | 8/21/2009 11:44:26 AM |
| GMPK_TLAS | $25.00 | $25.00 | 8/22/2009 8:27:51 AM |
| biobulator | $25.00 | $25.00 | 8/22/2009 9:57:39 PM |
| element40 | $50.00 | $50.00 | 8/23/2009 10:10:34 AM |
| wampum-proton | $25.00 | $25.00 | 8/24/2009 10:05:00 AM |
| natecam | $25.00 | $25.00 | 8/24/2009 10:05:15 AM |
| personal-lender | $25.00 | $25.00 | 8/24/2009 10:05:49 AM |
| TrustinOthers | $25.00 | $25.00 | 8/24/2009 10:09:22 AM |
| p2p-allocator | $25.00 | $25.00 | 8/24/2009 10:10:23 AM |
| browneyegravy | $25.00 | $25.00 | 8/24/2009 10:11:51 AM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 9:32:49 AM |
| businessguy29 | $25.00 | $25.00 | 8/24/2009 10:21:29 AM |
| DER | $76.92 | $76.92 | 8/24/2009 10:22:34 AM |
| LAM26 | $25.00 | $25.00 | 8/24/2009 10:23:10 AM |
| draggon77 | $25.00 | $25.00 | 8/24/2009 10:23:34 AM |
| mdf | $50.00 | $50.00 | 8/24/2009 10:23:56 AM |
| mathprof | $25.00 | $25.00 | 8/24/2009 10:05:57 AM |
| Papa_Mema | $50.00 | $50.00 | 8/24/2009 10:06:13 AM |
| rdecartus | $25.00 | $25.00 | 8/24/2009 10:07:30 AM |
| gilbow | $25.00 | $25.00 | 8/24/2009 10:04:46 AM |
| zeelender | $25.00 | $25.00 | 8/24/2009 10:05:12 AM |
| hc90474 | $25.00 | $25.00 | 8/24/2009 10:11:03 AM |
| irrelevant | $25.00 | $25.00 | 8/24/2009 10:11:54 AM |
| gravbox | $25.00 | $25.00 | 8/24/2009 10:23:33 AM |
| fareast_man | $25.00 | $25.00 | 8/24/2009 10:22:03 AM |
| money-vista | $25.00 | $25.00 | 8/24/2009 10:23:25 AM |
| Wowzer | $25.00 | $25.00 | 8/24/2009 10:23:52 AM |
| Digs | $25.00 | $25.00 | 8/25/2009 5:52:30 AM |
| dlg | $26.00 | $26.00 | 8/25/2009 8:32:43 AM |
| photo999 | $25.00 | $25.00 | 8/25/2009 6:40:45 PM |
| AY_RY | $35.00 | $35.00 | 8/26/2009 1:25:54 AM |
| PrinceValium | $25.00 | $25.00 | 8/26/2009 9:02:25 AM |
| congardner1 | $25.00 | $25.00 | 8/26/2009 7:47:09 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/26/2009 1:42:25 PM |
| tashara | $25.00 | $25.00 | 8/26/2009 5:26:37 PM |
| thomas16882004 | $100.00 | $100.00 | 8/26/2009 4:03:34 PM |
| Hokies | $25.00 | $25.00 | 8/26/2009 5:28:07 PM |
| Rob1978 | $50.00 | $50.00 | 8/26/2009 7:41:19 PM |
| spinbull | $25.00 | $25.00 | 8/26/2009 8:02:25 PM |
| IceFisherman | $41.82 | $41.82 | 8/27/2009 1:07:21 AM |
| Bobusa | $25.00 | $25.00 | 8/27/2009 4:38:56 AM |
| bitano | $50.00 | $50.00 | 8/27/2009 7:13:40 AM |
| feedpaulyfaster | $25.00 | $25.00 | 8/27/2009 9:34:11 AM |
| LarWit1512 | $25.00 | $25.00 | 8/27/2009 12:22:27 PM |
| division177 | $25.00 | $25.00 | 8/27/2009 4:27:34 PM |
| rakey | $25.00 | $25.00 | 8/27/2009 2:13:24 PM |
| Engineer44 | $25.00 | $25.00 | 8/27/2009 4:28:07 PM |
| LOOKER4 | $25.00 | $25.00 | 8/27/2009 4:27:19 PM |
| 128 bids
|
Borrower Payment Dependent Notes Series
420414
This series of Notes was issued and sold upon the funding of the borrower loan #38382, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,200.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-13-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-27-2009 |
|
|
Starting lender yield:
| 11.20% |
Starting borrower rate/APR:
| 12.20% / 14.33% |
Starting monthly payment:
| $139.90 |
|
Final lender yield:
| 9.25% |
Final borrower rate/APR:
| 10.25% / 12.36% |
Final monthly payment:
| $136.02 |
| |
|
Auction yield range:
| 4.18% - 11.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.13% | | |
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-1998 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 760-780 (Aug-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 38 | Length of status: | 11y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,977 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 36% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| thebigone79 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 760-780
(Jul-2009)
760-780
(Apr-2008)
|
|
Principal balance:
| $4,298.29 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Paying off bills
Purpose of loan:
This loan will be used to? To pay off my other prosper loan and get a lower monthly payment
My financial situation:
I am a good candidate for this loan because? I always pay my bills on time and care about my credit highly
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:
Can you please detail your current monthly expenses and income. Why you are unable to pay these bills without a loan (are they current debt?) and if they are debt, what are the balances/interest/types of debt? What payments do you currently make? - BAEVentures
A:
Hello, my current monthly bills add up to around 1,700.00 a month. My monthly income varies from 2,100 to 2,800. I can very easily pay these bills without another loan but by getting this loan and paying off my other prosper loan will save me an additional 80.00 a month to do other things with. I have my house payment,prosper loan 1 credit card, a few hostpital bills,and then the normal bills,power,internet,phone,water,etc. Hope this answers all your questions. Thank you for viewing my listing.
(Aug-16-2009)
Q:
If you don't secure a rate below your other loan will you keep this one? - GoNoles06
A:
Yes i will still keep it to lower my monthly payment.I already know this loan will not get as low as my other.
(Aug-17-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| greenback-floret | $25.00 | $25.00 | 8/13/2009 4:35:20 PM |
| turbospeed | $25.00 | $25.00 | 8/13/2009 4:35:08 PM |
| MoneyForNothing | $50.00 | $50.00 | 8/14/2009 8:41:18 AM |
| Syzygy | $25.00 | $25.00 | 8/14/2009 11:21:26 AM |
| amit_gu | $25.00 | $25.00 | 8/17/2009 10:03:45 AM |
| market-assembler | $25.00 | $25.00 | 8/17/2009 10:31:29 AM |
| LandE2BG | $50.00 | $50.00 | 8/17/2009 11:21:00 PM |
| bid-wonder | $25.00 | $25.00 | 8/19/2009 9:35:18 AM |
| Deuce | $40.00 | $40.00 | 8/19/2009 11:22:42 AM |
| Digs | $25.00 | $25.00 | 8/20/2009 3:29:12 PM |
| Gar3field | $50.00 | $50.00 | 8/20/2009 6:59:29 PM |
| Gar3field | $50.00 | $50.00 | 8/20/2009 7:52:33 PM |
| aldeed | $100.00 | $100.00 | 8/20/2009 6:15:40 PM |
| outofoffice | $50.00 | $50.00 | 8/20/2009 9:48:02 PM |
| festivecpl | $25.00 | $25.00 | 8/21/2009 9:26:45 PM |
| hellasow | $25.00 | $25.00 | 8/23/2009 7:43:51 AM |
| libertas67 | $25.00 | $25.00 | 8/23/2009 7:46:22 AM |
| rmpedi33 | $50.00 | $50.00 | 8/24/2009 7:41:53 AM |
| silvercertificate | $25.00 | $25.00 | 8/24/2009 10:31:32 AM |
| Lokinar | $50.00 | $50.00 | 8/24/2009 4:16:08 PM |
| dman1024 | $25.00 | $25.00 | 8/25/2009 12:55:50 PM |
| Kelor99 | $25.00 | $25.00 | 8/25/2009 5:57:30 PM |
| kulender | $50.00 | $50.00 | 8/25/2009 8:51:29 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/25/2009 9:29:18 PM |
| drcoop | $122.49 | $122.49 | 8/25/2009 10:06:37 PM |
| JerryB96 | $25.00 | $25.00 | 8/26/2009 5:47:48 AM |
| haryassman | $25.00 | $25.00 | 8/26/2009 9:48:41 AM |
| Rustang | $50.00 | $50.00 | 8/26/2009 9:54:27 AM |
| George2384 | $25.00 | $25.00 | 8/26/2009 11:39:46 AM |
| NorthwestLoan1 | $50.00 | $50.00 | 8/26/2009 4:50:02 PM |
| Sarspatula | $25.00 | $25.00 | 8/26/2009 5:12:44 PM |
| Newfoundcash | $25.00 | $25.00 | 8/26/2009 9:30:55 PM |
| Astyanax | $25.00 | $25.00 | 8/26/2009 10:45:29 PM |
| maccpro1 | $50.00 | $50.00 | 8/26/2009 6:10:18 PM |
| SeaLoans | $25.00 | $25.00 | 8/26/2009 6:57:10 PM |
| Bobsasnot | $50.00 | $50.00 | 8/26/2009 7:54:26 PM |
| bkb7484 | $25.00 | $25.00 | 8/27/2009 4:33:34 AM |
| Ristefo | $25.00 | $25.00 | 8/27/2009 7:36:42 AM |
| ChristopherHS | $25.00 | $25.00 | 8/27/2009 6:37:11 AM |
| bds9646 | $100.00 | $100.00 | 8/27/2009 9:28:12 AM |
| UC3307 | $90.00 | $90.00 | 8/27/2009 11:43:40 AM |
| rockymtbob | $50.00 | $50.00 | 8/27/2009 10:42:21 AM |
| ehvertherman | $32.43 | $32.43 | 8/27/2009 1:47:15 PM |
| maga | $50.00 | $50.00 | 8/27/2009 10:39:05 AM |
| CaliforniaSun | $50.00 | $50.00 | 8/27/2009 2:22:18 PM |
| Aubrei | $25.00 | $25.00 | 8/27/2009 1:37:12 PM |
| yu-rik | $50.00 | $50.00 | 8/27/2009 3:51:21 PM |
| LAKETIME | $25.00 | $25.00 | 8/27/2009 2:29:32 PM |
| loner001 | $25.00 | $25.00 | 8/27/2009 3:04:09 PM |
| mcabery | $150.00 | $150.00 | 8/27/2009 3:06:04 PM |
| piano55 | $28.41 | $28.41 | 8/27/2009 4:09:49 PM |
| Tulalue | $25.00 | $25.00 | 8/27/2009 3:31:04 PM |
| Midg | $25.00 | $25.00 | 8/27/2009 3:57:50 PM |
| division177 | $25.00 | $15.38 | 8/27/2009 4:28:24 PM |
| lovetorun | $25.00 | $25.00 | 8/15/2009 1:55:47 PM |
| fortytwo | $50.00 | $50.00 | 8/17/2009 10:26:01 AM |
| zento | $25.00 | $25.00 | 8/17/2009 10:34:32 AM |
| r1j2r3 | $25.00 | $25.00 | 8/20/2009 9:56:02 AM |
| rexteller | $25.00 | $25.00 | 8/20/2009 12:42:17 PM |
| Dollars4Rent | $25.00 | $25.00 | 8/20/2009 12:53:53 PM |
| jetblack | $50.00 | $50.00 | 8/21/2009 1:27:28 AM |
| EmeritusX | $25.00 | $25.00 | 8/21/2009 11:58:17 AM |
| quiggles | $25.00 | $25.00 | 8/22/2009 10:59:56 AM |
| loanman2007 | $50.00 | $50.00 | 8/22/2009 5:17:24 PM |
| PotBellyPete | $25.00 | $25.00 | 8/23/2009 12:08:55 PM |
| dpries123 | $25.00 | $25.00 | 8/24/2009 6:05:35 AM |
| Earn_money | $25.00 | $25.00 | 8/24/2009 7:55:25 AM |
| nimcha | $50.00 | $50.00 | 8/24/2009 2:31:32 PM |
| payontime1 | $50.00 | $50.00 | 8/25/2009 2:51:34 PM |
| SFBank | $200.00 | $200.00 | 8/25/2009 5:35:37 PM |
| Sven79 | $100.00 | $100.00 | 8/26/2009 12:49:05 PM |
| SkipMcGrath | $50.00 | $50.00 | 8/26/2009 5:26:00 PM |
| n036939 | $25.00 | $25.00 | 8/26/2009 7:25:42 PM |
| nbhz60a | $25.00 | $25.00 | 8/26/2009 7:28:56 PM |
| richmondcowboy | $50.00 | $50.00 | 8/26/2009 8:08:38 PM |
| radiant-return | $25.00 | $25.00 | 8/27/2009 2:47:15 AM |
| KTOWN | $25.00 | $25.00 | 8/26/2009 10:25:33 PM |
| StanTheMan | $25.00 | $25.00 | 8/26/2009 11:36:38 PM |
| littlemonkey | $25.00 | $25.00 | 8/27/2009 9:02:44 AM |
| yenom | $25.00 | $25.00 | 8/27/2009 1:09:02 AM |
| SnakeV | $45.32 | $45.32 | 8/27/2009 8:55:30 AM |
| Traveler40 | $50.00 | $50.00 | 8/27/2009 2:00:02 PM |
| LA-Funding-Bank | $50.00 | $50.00 | 8/27/2009 2:49:13 PM |
| bornsucka | $25.00 | $25.00 | 8/27/2009 3:25:01 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/27/2009 4:29:14 PM |
| IM-SHARKY | $500.00 | $500.00 | 8/27/2009 2:02:13 PM |
| DavronFunding | $25.00 | $25.00 | 8/27/2009 2:37:22 PM |
| zbanker | $25.97 | $25.97 | 8/27/2009 2:40:43 PM |
| Rob717171 | $150.00 | $150.00 | 8/27/2009 3:27:42 PM |
| Eagledrop | $25.00 | $25.00 | 8/27/2009 4:02:24 PM |
| 90 bids
|
Borrower Payment Dependent Notes Series
420430
This series of Notes was issued and sold upon the funding of the borrower loan #38400, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-13-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-26-2009 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.90% |
Starting monthly payment:
| $39.76 |
|
Final lender yield:
| 17.50% |
Final borrower rate/APR:
| 18.50% / 22.25% |
Final monthly payment:
| $36.40 |
| |
|
Auction yield range:
| 8.18% - 24.00% |
Estimated loss impact:
| 6.90% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.60% | | |
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:
| Sep-1989 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 640-660 (Aug-2009) |
Current / open credit lines:
| 15
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $21,133 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 95% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| jkurn |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Materials for Siding
Purpose of loan:
I need this loan to purchase materials for house siding. The dwelling currently has asbestos siding that I would like removed and replaced with Vinyl. The dwelling is approximately 80-85 years old and is our first house. Some parts of the house have only tar paper where a repair/renovation has been made, as you can see from the picture.
My financial situation:
I am a good candidate for this loan because I work full time for a stable job and I put in some extra hours for overtime. My employer is a major engineering firm with 55,000 employees worldwide. The company is very stable, they've been around for 60+ years. I am responsible with payments and I haven't missed one. I currently own my home. The majority of my debt is from home repair/upgrades....trying to make it somewhat livable. Living in Jersey you need to buy the cheaper "handyman special" homes to afford anything. My fiance and I have been doing 99% of the work ourselves to try and save money.
Monthly net income: $4400
Monthly expenses: $ 3660
??Housing: $
1275
? Car Insurance: $
200
??Car expenses: $ 575
??Utilities: $100
??Phone, cable, internet: $
150
??Food, entertainment: $
200
??Clothing, household expenses $
200
??Credit cards and other loans: $
800
? Cell Phone: $
160
I have about $750 in expendable income per month.
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) |
|
| Bank_Of_XL | $100.00 | $100.00 | 8/16/2009 8:00:02 AM |
| Syzygy | $25.00 | $25.00 | 8/16/2009 8:22:59 PM |
| bid-wonder | $25.00 | $25.00 | 8/19/2009 9:35:19 AM |
| IPG1 | $25.00 | $25.00 | 8/19/2009 3:22:57 PM |
| RoccoLoan | $50.00 | $50.00 | 8/21/2009 1:34:56 PM |
| kinetic-social | $25.00 | $25.00 | 8/21/2009 3:47:20 PM |
| Logan7 | $25.00 | $25.00 | 8/24/2009 4:15:24 PM |
| mobius_titan | $25.00 | $25.00 | 8/25/2009 7:41:05 AM |
| chrisjs15 | $25.00 | $25.00 | 8/25/2009 5:55:49 AM |
| wild_carrot | $25.00 | $25.00 | 8/25/2009 7:32:25 AM |
| realtormoises | $25.00 | $25.00 | 8/25/2009 9:45:26 AM |
| beakerfish | $38.61 | $38.61 | 8/26/2009 6:08:41 AM |
| jpjazzman | $25.00 | $25.00 | 8/25/2009 7:36:18 PM |
| andrelaplume | $25.00 | $25.00 | 8/26/2009 6:31:38 AM |
| jjsparks28 | $100.00 | $100.00 | 8/26/2009 3:05:27 AM |
| jjsparks28 | $25.00 | $25.00 | 8/26/2009 3:23:43 AM |
| AY_RY | $30.00 | $30.00 | 8/26/2009 6:57:29 AM |
| Madron | $50.00 | $21.39 | 8/14/2009 11:12:23 AM |
| whois-JohnGalt | $25.00 | $25.00 | 8/20/2009 11:38:12 AM |
| transaction-animal8 | $25.00 | $25.00 | 8/20/2009 2:57:17 PM |
| d_grbg | $35.00 | $35.00 | 8/20/2009 8:07:20 PM |
| value-human | $50.00 | $50.00 | 8/21/2009 10:48:36 PM |
| Superc0ld | $100.00 | $100.00 | 8/25/2009 4:26:06 PM |
| medman | $100.00 | $100.00 | 8/25/2009 8:32:50 PM |
| ShermanSteve | $25.00 | $25.00 | 8/25/2009 7:55:41 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
420436
This series of Notes was issued and sold upon the funding of the borrower loan #38403, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-13-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-27-2009 |
|
|
Starting lender yield:
| 10.38% |
Starting borrower rate/APR:
| 11.38% / 13.75% |
Starting monthly payment:
| $49.38 |
|
Final lender yield:
| 8.12% |
Final borrower rate/APR:
| 9.12% / 11.45% |
Final monthly payment:
| $47.78 |
| |
|
Auction yield range:
| 4.18% - 10.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.00% | | |
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:
| Oct-2002 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 10
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,718 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 33% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| return-orbiter |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debt at a lower interest?rate than credit cards?can provide.?
My financial situation:
I am a good candidate for this loan because I have a stable job with good prospects of advancement and higher wages within the next year.
Monthly net income: $ 1710
Monthly expenses: $
??Housing: $?600
??Insurance: $?60
??Car expenses: $?200 (gas)
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?300
??Other expenses: $ 100 (cell phone)
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) |
|
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 8/13/2009 4:46:20 PM |
| RandyL3 | $25.00 | $25.00 | 8/13/2009 4:52:30 PM |
| sgmm330 | $25.00 | $25.00 | 8/20/2009 9:32:16 PM |
| HealthAndSafety | $50.00 | $50.00 | 8/22/2009 6:49:19 AM |
| afford83 | $25.00 | $25.00 | 8/23/2009 2:29:47 PM |
| SOP_Bank | $25.00 | $25.00 | 8/25/2009 10:22:06 AM |
| 4gotn1 | $50.00 | $50.00 | 8/25/2009 10:31:43 AM |
| JerryB96 | $25.00 | $25.00 | 8/26/2009 5:48:29 AM |
| Sven79 | $100.00 | $100.00 | 8/26/2009 12:49:19 PM |
| haryassman | $25.00 | $25.00 | 8/26/2009 9:45:41 AM |
| Havana21 | $500.00 | $500.00 | 8/26/2009 5:48:25 PM |
| rockymtbob | $25.00 | $25.00 | 8/27/2009 10:43:33 AM |
| shamil45 | $25.00 | $25.00 | 8/27/2009 10:41:18 AM |
| nbhz60a | $25.00 | $25.00 | 8/27/2009 1:47:12 PM |
| bornsucka | $25.00 | $25.00 | 8/27/2009 4:05:35 PM |
| vikings23 | $25.00 | $25.00 | 8/27/2009 4:21:41 PM |
| yogi1975 | $25.00 | $25.00 | 8/27/2009 2:06:53 PM |
| Hogan55 | $25.00 | $25.00 | 8/27/2009 2:26:50 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/27/2009 4:24:52 PM |
| n036939 | $25.00 | $15.56 | 8/14/2009 7:36:35 AM |
| fortytwo | $50.00 | $50.00 | 8/17/2009 10:26:02 AM |
| marwadi-62 | $100.00 | $100.00 | 8/20/2009 9:25:27 AM |
| buckyhead2000 | $25.00 | $25.00 | 8/24/2009 2:55:17 AM |
| power-expert | $25.00 | $25.00 | 8/26/2009 7:11:38 PM |
| OGS_Capital | $25.00 | $25.00 | 8/26/2009 8:50:36 PM |
| Mack_Inv | $25.00 | $25.00 | 8/27/2009 4:40:30 AM |
| maga | $50.00 | $50.00 | 8/27/2009 10:40:10 AM |
| dudebrah | $25.00 | $25.00 | 8/27/2009 8:21:55 AM |
| myidear | $25.00 | $25.00 | 8/27/2009 1:58:42 PM |
| Earn_money | $29.77 | $29.77 | 8/27/2009 4:02:03 PM |
| yurison | $29.67 | $29.67 | 8/27/2009 3:40:12 PM |
| 31 bids
|
Borrower Payment Dependent Notes Series
420626
This series of Notes was issued and sold upon the funding of the borrower loan #38390, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,275.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-28-2009 |
|
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $125.07 |
|
Final lender yield:
| 9.00% |
Final borrower rate/APR:
| 10.00% / 12.11% |
Final monthly payment:
| $105.68 |
| |
|
Auction yield range:
| 4.18% - 21.00% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
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:
| Jun-1995 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 3
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 11y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,072 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 2 |
Bankcard utilization:
| 21% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 23 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| best-value-sceptre |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a Volvo for our family
Purpose of loan:
This loan will be used to assist with buying a Volvo for my family.? I have cash for the majority of the purchase price.? This car is from a friend and is well maintained.??Purchasing this car?will reduce my monthly auto expenses, personal property taxes and lower insurance costs.
My financial situation:
I am a good candidate for this loan because I have a stable income in an industry that is not currently experiencing layoffs. I have been employed at the same company for over 11 years. I have never had a late payment in the past four years.
Information in the Description is not verified.
Friends And Family Winning Bids
JKPMCo has bid a total of
$25.00 in winning bids.
"I have every reason to believe this borrower will repay her loan on time and without any issues. I've given her a substantial loan in the past for repairs on her old car and she made all payments on time as promised until it was paid off. If I currently had the funds available I would cover a loan for this without hesitation."
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Please explain the public records and delinquincies shown on your listing. Please answer publicly. Thanks. - tigercat
A:
The delinquencies were between 4 - 6 years ago.? My last delinquent payment was in 2005. During this time frame I was involved in extended divorce/custody proceedings and ended up filing for Chapter 7 bankruptcy immediately after the divorce was finalized, accounting for the public records.
I have little debt as you can see from the credit report. I strive to keep revolving credit and outstanding obligations to a minimum.?
Thanks very much.
(Aug-20-2009)
Q:
what is your monthly income and expenses? Thnaks in advance. - usd1027
A:
Expenses:
Mortgage: $880.00 (includes taxes, insurance)
Auto Maintn/Insuran/Gas: $475.00 (b4 new car)
Church/Charity: $125.00
Child Care: $250.00
Clothing/Personal Care/Home: $450.00
Two Installmnt Accts (avg. past 3 mnts): ~ $150.00 (HSBC min $15, GE min $61)
Entertainment: $100.00
Food: $650.00
Medical: $40.00
Misc: $400.00
Utilities: $475.00
KidsSchool: $1000.00
I put $442.00 into my 401K so my monthly take-home paycheck is $4015.00, reliable child support income is $1300.
(Aug-22-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| stageactor | $25.00 | $25.00 | 8/21/2009 9:32:32 AM |
| soccermom33 | $25.00 | $25.00 | 8/25/2009 4:06:28 PM |
| ShermanSteve | $50.00 | $50.00 | 8/25/2009 7:48:00 PM |
| Yaj | $50.00 | $50.00 | 8/26/2009 7:37:26 PM |
| McChan | $200.00 | $200.00 | 8/26/2009 8:16:24 PM |
| Bobsasnot | $50.00 | $50.00 | 8/26/2009 7:55:20 PM |
| Havnfun | $25.00 | $25.00 | 8/27/2009 4:32:58 PM |
| jakester00 | $60.00 | $60.00 | 8/27/2009 5:03:13 PM |
| CCIExpress | $25.00 | $25.00 | 8/27/2009 3:42:54 PM |
| ballz694 | $51.87 | $51.87 | 8/27/2009 6:37:55 PM |
| gothampark | $25.00 | $25.00 | 8/27/2009 9:23:48 PM |
| CaliforniaSun | $50.00 | $50.00 | 8/28/2009 12:08:00 AM |
| usd1027 | $25.00 | $25.00 | 8/28/2009 8:26:04 AM |
| TW2000 | $78.00 | $78.00 | 8/28/2009 9:51:19 AM |
| Loborei | $25.00 | $25.00 | 8/28/2009 9:53:26 AM |
| flshdaskll | $25.00 | $25.00 | 8/27/2009 9:44:33 PM |
| Spiv_51 | $25.00 | $25.00 | 8/28/2009 1:18:13 AM |
| mordecei | $50.00 | $50.00 | 8/28/2009 7:46:33 AM |
| njmlaj726 | $25.00 | $25.00 | 8/28/2009 6:28:18 AM |
| GBlack | $25.00 | $25.00 | 8/28/2009 9:41:26 AM |
| lawboy74 | $25.00 | $25.00 | 8/28/2009 11:15:17 AM |
| gavinsp | $25.00 | $25.00 | 8/28/2009 9:45:46 AM |
| Leshan | $50.00 | $50.00 | 8/28/2009 10:09:58 AM |
| maga | $25.00 | $25.00 | 8/28/2009 11:19:20 AM |
| twjh | $25.00 | $25.00 | 8/28/2009 1:49:35 PM |
| colorunner | $25.00 | $25.00 | 8/28/2009 3:19:55 PM |
| credit-missile | $50.00 | $50.00 | 8/28/2009 3:57:22 PM |
| Engineer44 | $25.00 | $25.00 | 8/28/2009 4:01:10 PM |
| division177 | $25.00 | $25.00 | 8/28/2009 4:01:16 PM |
| nurat | $47.12 | $47.12 | 8/28/2009 2:54:04 PM |
| Argonaut | $42.55 | $42.55 | 8/28/2009 3:15:55 PM |
| payout-magician | $25.00 | $25.00 | 8/28/2009 4:00:01 PM |
| redrose1518 | $35.00 | $35.00 | 8/28/2009 1:52:02 PM |
| bondhedger | $50.00 | $50.00 | 8/28/2009 2:22:28 PM |
| fozkan | $25.00 | $21.37 | 8/28/2009 2:55:19 PM |
| IM-SHARKY | $500.00 | $500.00 | 8/28/2009 3:56:22 PM |
| Syzygy | $25.00 | $25.00 | 8/14/2009 4:04:00 PM |
| vegibenz | $25.00 | $25.00 | 8/17/2009 10:15:49 AM |
| LandE2BG | $50.00 | $50.00 | 8/17/2009 3:26:47 PM |
| JKPMCo | $25.00 | $25.00 | 8/20/2009 2:09:10 PM |
| swti37 | $50.00 | $50.00 | 8/21/2009 3:40:49 PM |
| payontime1 | $50.00 | $50.00 | 8/22/2009 10:23:52 PM |
| marwadi-62 | $100.00 | $100.00 | 8/25/2009 2:33:31 PM |
| Coastielender09 | $50.00 | $50.00 | 8/25/2009 8:01:10 PM |
| investmentgroup | $40.68 | $40.68 | 8/26/2009 7:18:41 PM |
| bds9646 | $100.00 | $100.00 | 8/27/2009 9:40:29 AM |
| PFAdvisors | $29.81 | $29.81 | 8/27/2009 1:20:36 PM |
| SkipMcGrath | $28.77 | $28.77 | 8/27/2009 2:02:54 PM |
| macbeck22 | $50.00 | $50.00 | 8/27/2009 11:04:51 AM |
| shag2 | $50.00 | $50.00 | 8/27/2009 3:45:35 PM |
| mcabery | $150.00 | $150.00 | 8/27/2009 3:10:30 PM |
| scloans | $25.00 | $25.00 | 8/27/2009 5:37:59 PM |
| power-expert | $25.00 | $25.00 | 8/27/2009 7:21:03 PM |
| Spkthewrd3 | $25.00 | $25.00 | 8/28/2009 3:25:30 AM |
| chrisb1414 | $25.00 | $25.00 | 8/28/2009 7:09:13 AM |
| Dougmo | $26.62 | $26.62 | 8/28/2009 3:39:22 AM |
| sikojos | $50.00 | $50.00 | 8/28/2009 5:28:34 AM |
| Chief3394 | $25.00 | $25.00 | 8/28/2009 6:18:56 AM |
| gjm6d | $38.00 | $38.00 | 8/28/2009 1:48:41 AM |
| tamcho | $25.00 | $25.00 | 8/28/2009 7:34:12 AM |
| Hogan55 | $25.21 | $25.21 | 8/28/2009 4:50:01 AM |
| dudebrah | $25.00 | $25.00 | 8/28/2009 10:44:02 AM |
| LA-Funding-Bank | $25.00 | $25.00 | 8/28/2009 12:08:52 PM |
| tmtcl | $25.00 | $25.00 | 8/28/2009 4:00:13 PM |
| PPLIN810 | $50.00 | $50.00 | 8/28/2009 2:51:47 PM |
| zpellman | $25.00 | $25.00 | 8/28/2009 3:10:25 PM |
| bronzebomber | $50.00 | $50.00 | 8/28/2009 3:18:51 PM |
| richmondcowboy | $50.00 | $50.00 | 8/28/2009 3:25:40 PM |
| 68 bids
|
Borrower Payment Dependent Notes Series
420646
This series of Notes was issued and sold upon the funding of the borrower loan #38374, 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:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 20.11% |
Starting borrower rate/APR:
| 21.11% / 23.36% |
Starting monthly payment:
| $94.33 |
|
Final lender yield:
| 17.00% |
Final borrower rate/APR:
| 18.00% / 20.21% |
Final monthly payment:
| $90.38 |
| |
|
Auction yield range:
| 8.18% - 20.11% |
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:
| Oct-1996 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 680-700 (Aug-2009) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 11y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,952 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 88% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| momsbank18 |
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:
| 17 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Mar-2008)
|
|
Principal balance:
| $3,510.16 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Funds for Wedding
Purpose of loan:
This loan will be used to pay off some high interest credit cards and help pay for my daughters' wedding.? It seems like only yesterday my kids were just babies; they probably barely remember building a snowman on vacation.??I am a?single mom I have taken that job seriously; from the time my baby was 5 years old I have lived with the weight of the world on my shoulders trying to prepare them for adulthood.? I have always provided for my children and hoped that one day I they would go out into the world on their own with the confidence to succeed.? My last daughter at home is getting married soon.? My job as a mom will never end, but my role is now changing. I would love to have an abundance of cash so I could help her pay for the wedding that she deserves.? What?I would like to do is?to be able to pay off my last few high interest credit cards and also be able to help her pay for her wedding.
My financial situation:
I am a good candidate for this loan because I am in a financially secure job with the possibility of advancement.? As a single mom I have provided for my children alone for the past 18 years.? During?that time, I not only worked full time but also attended college and completed my bachelors? degree in 2006.? I am now focused on my career and my finances.? Over the past 6 years I have almost tripled my income.? My goal is to be debt free in the next 3 years.
Monthly net income: $ 2850
Monthly expenses: $ 2559
??Housing: $ 1250
??Insurance: $ 120
??Car expenses: $314
??Utilities: $ 75
??Phone, cable, internet: $100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $ 150
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:
Humans this is an excellent investment, let's lend to this one! Oh, I've got a question, exactly how fast do you plan on repaying this loan? PS: Please answer publicly. - hektek22
A:
Short of winning the lottery, I plan to make the regualar payments for the 3 years until the loan is paid off.
(Aug-25-2009)
Q:
how do you plan to pay off debt and pay for a wedding with only 2500? - SweatyBalls
A:
I have only a couple of small credit cards to pay off and fortunately am not paying for the entire wedding. The $2,500 is plenty for what I need to pay for.
(Aug-28-2009)
Q:
Did you include alimony and child support in your net income? Also, what will the $2500 get you for the wedding? (ie: DJ, Photos, ring, ect) - Cambium
A:
I do not receive any alimony or child support so the net income is only on my wages. I plan on using the money to help my daughter pay for the food at the reception as well as table decorations. I am also helping to pay for one of the bridesmade's dresses.
(Aug-28-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| dukem | $50.00 | $50.00 | 8/19/2009 10:02:32 PM |
| JCPlending | $25.00 | $25.00 | 8/20/2009 8:38:11 PM |
| Syzygy | $25.00 | $25.00 | 8/26/2009 1:10:14 PM |
| IPG1 | $100.00 | $100.00 | 8/27/2009 7:28:40 AM |
| bid-wonder | $25.00 | $25.00 | 8/27/2009 4:44:42 PM |
| sweety075 | $25.00 | $25.00 | 8/29/2009 12:42:15 PM |
| Credit2Prosper | $25.00 | $25.00 | 8/29/2009 12:45:33 PM |
| guardian3 | $50.00 | $34.31 | 8/30/2009 9:55:32 AM |
| EngineersAlliance | $50.00 | $50.00 | 8/30/2009 10:05:48 AM |
| carmat60 | $25.00 | $25.00 | 8/30/2009 1:15:56 PM |
| nashibaksi | $100.00 | $100.00 | 8/30/2009 6:58:28 PM |
| CSAworker | $25.00 | $25.00 | 8/30/2009 9:13:41 AM |
| sknop64 | $25.00 | $25.00 | 8/31/2009 12:22:05 AM |
| gothampark | $25.00 | $25.00 | 8/30/2009 7:19:38 PM |
| unbeatable-wealth | $25.00 | $25.00 | 8/30/2009 10:42:53 PM |
| bitano | $43.56 | $43.56 | 8/31/2009 7:44:54 AM |
| Dsray | $29.13 | $29.13 | 8/31/2009 10:02:56 AM |
| jakestone4 | $50.00 | $50.00 | 8/31/2009 6:32:52 AM |
| UC3307 | $70.00 | $70.00 | 8/31/2009 11:13:51 AM |
| eboomer2611 | $25.00 | $25.00 | 8/31/2009 10:49:29 AM |
| astro128 | $25.00 | $25.00 | 8/31/2009 2:35:55 PM |
| medman | $200.00 | $200.00 | 8/31/2009 11:01:16 AM |
| fireferd | $100.00 | $100.00 | 8/31/2009 2:12:05 PM |
| DMKAssetManagement | $50.00 | $50.00 | 8/31/2009 3:40:40 PM |
| bullwink27 | $30.00 | $30.00 | 8/31/2009 3:07:57 PM |
| shellstar | $25.00 | $25.00 | 8/31/2009 3:39:00 PM |
| transaction-animal8 | $25.00 | $25.00 | 8/27/2009 4:43:40 PM |
| E-B | $50.00 | $50.00 | 8/28/2009 7:05:00 PM |
| Cheburashka | $50.00 | $50.00 | 8/28/2009 5:47:41 PM |
| deepblue34 | $40.00 | $40.00 | 8/28/2009 6:57:53 PM |
| building_community | $25.00 | $25.00 | 8/28/2009 7:27:16 PM |
| Superc0ld | $50.00 | $50.00 | 8/29/2009 9:45:15 AM |
| kccameo | $25.00 | $25.00 | 8/29/2009 12:41:15 PM |
| CA_Lender | $25.00 | $25.00 | 8/29/2009 2:01:39 AM |
| James_and_Tracy | $25.00 | $25.00 | 8/29/2009 11:11:15 AM |
| mckhbnpc | $25.00 | $25.00 | 8/29/2009 4:48:51 PM |
| maga | $50.00 | $50.00 | 8/30/2009 10:25:47 AM |
| jasunshine | $25.00 | $25.00 | 8/30/2009 4:52:39 PM |
| acn | $50.00 | $50.00 | 8/30/2009 6:48:23 PM |
| IIP77 | $25.00 | $25.00 | 8/30/2009 7:05:22 PM |
| wellsfrugal | $25.00 | $25.00 | 8/31/2009 1:38:05 AM |
| SweatyBalls | $50.00 | $50.00 | 8/31/2009 4:32:51 AM |
| mystss | $50.00 | $50.00 | 8/30/2009 3:34:56 PM |
| kaianja | $50.00 | $50.00 | 8/30/2009 9:20:09 PM |
| jtoms101 | $25.00 | $25.00 | 8/31/2009 6:22:49 AM |
| Mindful7 | $25.00 | $25.00 | 8/31/2009 6:40:21 AM |
| golffish2 | $50.00 | $50.00 | 8/31/2009 7:59:00 AM |
| Ruddyboy | $28.00 | $28.00 | 8/31/2009 8:41:51 AM |
| boodo | $100.00 | $100.00 | 8/31/2009 2:18:20 PM |
| Gaelicman | $150.00 | $150.00 | 8/31/2009 2:19:50 PM |
| twjh | $25.00 | $25.00 | 8/31/2009 1:06:35 PM |
| JauaFlash | $25.00 | $25.00 | 8/31/2009 2:39:43 PM |
| courageous-contract | $25.00 | $25.00 | 8/31/2009 3:08:09 PM |
| investment-cluster | $25.00 | $25.00 | 8/31/2009 3:56:09 PM |
| EretzCapital | $125.00 | $125.00 | 8/31/2009 3:59:53 PM |
| 55 bids
|
Borrower Payment Dependent Notes Series
420744
This series of Notes was issued and sold upon the funding of the borrower loan #38399, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,350.00 |
Prosper Rating:
| B |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Aug-27-2009 |
|
|
Starting lender yield:
| 17.03% |
Starting borrower rate/APR:
| 18.03% / 20.24% |
Starting monthly payment:
| $374.33 |
|
Final lender yield:
| 14.00% |
Final borrower rate/APR:
| 15.00% / 17.17% |
Final monthly payment:
| $358.79 |
| |
|
Auction yield range:
| 6.18% - 17.03% |
Estimated loss impact:
| 5.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.76% | | |
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-1996 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 40 | Length of status: | 12y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $21,235 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 64% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| g3tt1ng0ut0fd3bt |
Borrower's state:
| Utah |
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:
| 22 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 640-660
(Oct-2007)
|
|
Principal balance:
| $2,171.63 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Consolidating High-Interest Debt
Purpose of loan:
We (my wife and I) will use this wisely to pay off some high-interest debt and to install sprinklers in our yard.? We are making changes in order to?pay more money to ourselves?than to bankers in the long-term.?
My financial situation:
I make decent money; my?wife also brings home a paycheck.? I make what's listed below, plus bonuses.??I also have opportunity for overtime whenever I want or need a little extra.??So rest assured, this is a low-risk loan.? The?main reason for our less-than-perfect credit score is that we have?utilized more of our available credit than they like to see.?
Monthly net income: $5300
Monthly expenses: $?4900
??Housing: $?2200
??Insurance: $ 100
??Car expenses: $?351
??Utilities: $ 137
??Phone, cable, internet: $ 85
??Food, entertainment: $ 600
??Clothing, household expenses $ 177
??Credit cards and other loans: $ 1050
??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
Q:
Will you please give me more information on the high interest credit that you will be paying off?
Thanks. - Mincus
A:
Certainly; more than half of the loan will go to pay off a 24.24% interest rate balance on the Discover Card. Then we'll pay off the Disney Visa, which has a 24.25% rate. With what's left we'll pay off the Toys 'R Us Mastercard with a rate of 22.25% and just about take care of the Kohls CC, with a rate of 21.9%. I hope that helps.
(Aug-25-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| yield-lion | $25.00 | $25.00 | 8/17/2009 4:02:11 PM |
| orindalender | $25.00 | $25.00 | 8/17/2009 4:02:16 PM |
| heavy_ax | $25.00 | $25.00 | 8/17/2009 4:03:39 PM |
| testobsessed | $100.00 | $100.00 | 8/17/2009 4:02:25 PM |
| VentureExplorer | $25.00 | $25.00 | 8/17/2009 4:02:21 PM |
| standanddeliver | $25.00 | $25.00 | 8/17/2009 4:02:46 PM |
| peb44 | $100.00 | $100.00 | 8/17/2009 4:02:55 PM |
| MrDavid | $25.00 | $25.00 | 8/17/2009 4:03:08 PM |
| kscc183 | $25.00 | $25.00 | 8/17/2009 4:05:57 PM |
| lagnisiruk | $25.00 | $25.00 | 8/17/2009 4:06:07 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/17/2009 4:06:50 PM |
| jct_enterprises | $25.00 | $25.00 | 8/17/2009 4:06:55 PM |
| Syzygy | $25.00 | $25.00 | 8/17/2009 4:07:26 PM |
| AnxiousAirman | $25.00 | $25.00 | 8/17/2009 4:16:03 PM |
| TOCPI | $25.00 | $25.00 | 8/17/2009 4:17:36 PM |
| Sam65 | $25.00 | $25.00 | 8/17/2009 4:18:07 PM |
| Artist_Blue | $25.00 | $25.00 | 8/17/2009 4:29:36 PM |
| mathprof | $25.00 | $25.00 | 8/17/2009 4:29:35 PM |
| rmachi | $25.00 | $25.00 | 8/17/2009 4:29:39 PM |
| Katahdin | $25.00 | $25.00 | 8/17/2009 4:29:51 PM |
| anton | $25.00 | $25.00 | 8/17/2009 4:29:12 PM |
| tlp43 | $25.00 | $25.00 | 8/17/2009 4:29:15 PM |
| decisive-capital | $50.00 | $50.00 | 8/17/2009 4:30:03 PM |
| cyberie21 | $40.00 | $40.00 | 8/17/2009 4:29:24 PM |
| unclejaef | $25.00 | $25.00 | 8/17/2009 4:29:38 PM |
| GMPK_TLAS | $45.00 | $45.00 | 8/17/2009 4:30:43 PM |
| 02bob | $25.00 | $25.00 | 8/17/2009 4:30:20 PM |
| don8ter | $25.00 | $25.00 | 8/17/2009 4:30:32 PM |
| Champpilot | $50.00 | $50.00 | 8/17/2009 4:30:37 PM |
| mmckune | $25.00 | $25.00 | 8/17/2009 4:32:07 PM |
| zeelender | $25.00 | $25.00 | 8/17/2009 4:30:58 PM |
| rjleves | $25.00 | $25.00 | 8/17/2009 4:32:30 PM |
| grf1945 | $25.00 | $25.00 | 8/17/2009 4:51:19 PM |
| sloan | $25.00 | $25.00 | 8/17/2009 7:17:01 PM |
| WalnutCreekguy | $33.00 | $33.00 | 8/17/2009 10:20:43 PM |
| Brainworm | $25.00 | $25.00 | 8/17/2009 11:00:06 PM |
| Disha_Sagar | $25.00 | $25.00 | 8/18/2009 12:56:28 AM |
| topher515 | $25.00 | $25.00 | 8/18/2009 7:40:48 AM |
| Sol_Invictus | $25.00 | $25.00 | 8/18/2009 9:17:00 AM |
| gilbow | $25.00 | $25.00 | 8/18/2009 8:40:38 AM |
| moola-dojo | $25.00 | $25.00 | 8/18/2009 9:31:09 AM |
| red-favorable-basis | $25.00 | $25.00 | 8/18/2009 9:31:31 AM |
| Halos2002 | $50.00 | $50.00 | 8/18/2009 9:31:00 AM |
| oldmora | $25.00 | $25.00 | 8/18/2009 10:00:36 AM |
| ribbles | $32.45 | $32.45 | 8/18/2009 12:25:32 PM |
| caipira | $25.00 | $25.00 | 8/18/2009 2:00:54 PM |
| DrStaff | $30.00 | $30.00 | 8/18/2009 3:58:21 PM |
| skibum65 | $34.06 | $34.06 | 8/18/2009 4:52:53 PM |
| PatRichi | $25.00 | $25.00 | 8/18/2009 4:53:53 PM |
| tijuas90 | $25.00 | $25.00 | 8/18/2009 4:51:14 PM |
| ramsbladder | $25.00 | $25.00 | 8/18/2009 5:00:48 PM |
| Carpetkid | $25.00 | $25.00 | 8/18/2009 4:53:34 PM |
| money73 | $25.00 | $25.00 | 8/18/2009 4:54:10 PM |
| BayShell | $40.00 | $40.00 | 8/18/2009 4:54:15 PM |
| member874 | $25.00 | $25.00 | 8/18/2009 4:54:36 PM |
| Trojan1976 | $25.00 | $25.00 | 8/18/2009 4:55:00 PM |
| takabanana | $25.00 | $25.00 | 8/18/2009 4:54:57 PM |
| hrubinst | $25.00 | $25.00 | 8/18/2009 4:55:21 PM |
| blujfan9293 | $25.00 | $25.00 | 8/18/2009 5:01:09 PM |
| gdbanks | $25.00 | $25.00 | 8/18/2009 6:55:53 PM |
| Frenchynh | $25.00 | $25.00 | 8/18/2009 6:15:37 PM |
| jameskdean | $25.00 | $25.00 | 8/18/2009 10:20:43 PM |
| bulabula | $25.00 | $25.00 | 8/18/2009 9:31:27 PM |
| RusRobo | $25.00 | $25.00 | 8/19/2009 12:48:14 AM |
| manyhappydogs | $36.08 | $36.08 | 8/18/2009 10:20:46 PM |
| FecundFinancier | $25.00 | $25.00 | 8/18/2009 10:25:52 PM |
| Credit2Prosper | $50.00 | $50.00 | 8/19/2009 1:36:56 AM |
| broepke | $25.00 | $25.00 | 8/19/2009 5:12:38 AM |
| Smartrider | $25.00 | $25.00 | 8/19/2009 7:20:05 AM |
| wwwUniversal | $25.00 | $25.00 | 8/19/2009 6:32:55 AM |
| AndersenWatcher | $25.00 | $25.00 | 8/19/2009 6:57:41 AM |
| the-return-rapture | $25.00 | $25.00 | 8/19/2009 8:53:34 AM |
| jeg3k | $25.00 | $25.00 | 8/19/2009 8:17:48 AM |
| MC_ | $25.00 | $25.00 | 8/19/2009 8:42:22 AM |
| AdamClemSC | $25.00 | $25.00 | 8/19/2009 11:00:48 AM |
| theQuietLender | $25.00 | $25.00 | 8/19/2009 9:35:31 AM |
| magnetic-kindness | $25.00 | $25.00 | 8/19/2009 9:36:14 AM |
| amsocool | $25.00 | $25.00 | 8/19/2009 9:42:26 AM |
| Eagledrop | $25.00 | $25.00 | 8/19/2009 11:48:30 AM |
| wealthstar | $25.00 | $25.00 | 8/19/2009 10:07:20 AM |
| enigmallc | $25.00 | $25.00 | 8/19/2009 12:13:01 PM |
| chlebie | $25.00 | $25.00 | 8/19/2009 11:16:58 AM |
| spike16 | $25.00 | $25.00 | 8/19/2009 12:42:50 PM |
| cingular | $25.00 | $25.00 | 8/19/2009 12:49:58 PM |
| Boxhead | $25.00 | $25.00 | 8/19/2009 12:42:54 PM |
| ahalls | $25.00 | $25.00 | 8/19/2009 1:14:16 PM |
| dashawn | $25.00 | $25.00 | 8/19/2009 3:12:22 PM |
| diverjoq | $50.00 | $50.00 | 8/19/2009 1:38:01 PM |
| r1g3l | $25.00 | $25.00 | 8/19/2009 1:45:38 PM |
| icefish | $34.43 | $34.43 | 8/19/2009 1:55:37 PM |
| Rosencranz | $25.00 | $25.00 | 8/19/2009 3:53:00 PM |
| Cre8iveCash | $25.00 | $25.00 | 8/19/2009 3:10:36 PM |
| divemaster | $25.00 | $25.00 | 8/19/2009 3:52:25 PM |
| LordKinbote | $25.00 | $25.00 | 8/19/2009 5:17:41 PM |
| ritwngr | $25.00 | $25.00 | 8/19/2009 6:02:27 PM |
| minista | $25.00 | $25.00 | 8/19/2009 5:18:05 PM |
| TEAM-Jasper | $37.19 | $37.19 | 8/19/2009 9:22:22 PM |
| hanuman77 | $33.81 | $33.81 | 8/19/2009 7:37:50 PM |
| lostontheedge | $25.00 | $25.00 | 8/19/2009 7:47:57 PM |
| p2ploan-battalion509 | $45.17 | $45.17 | 8/19/2009 8:07:25 PM |
| Divr555 | $26.24 | $26.24 | 8/20/2009 1:12:16 AM |
| feedpaulyfaster | $25.00 | $25.00 | 8/20/2009 9:32:49 AM |
| bigphish | $25.00 | $25.00 | 8/20/2009 7:17:26 AM |
| HalfDayz | $50.00 | $50.00 | 8/20/2009 8:54:22 AM |
| CaboWaboRobo | $25.00 | $25.00 | 8/20/2009 9:22:25 AM |
| ash135 | $25.00 | $25.00 | 8/20/2009 11:22:28 AM |
| glalat | $25.00 | $25.00 | 8/20/2009 3:17:31 PM |
| omerta6102 | $37.76 | $37.76 | 8/20/2009 12:42:40 PM |
| wizardii | $25.00 | $25.00 | 8/20/2009 1:27:21 PM |
| seattleslug | $25.00 | $25.00 | 8/20/2009 2:17:19 PM |
| xphile | $25.00 | $25.00 | 8/20/2009 2:27:58 PM |
| 52digital | $25.00 | $25.00 | 8/20/2009 3:13:41 PM |
| Quetz | $25.00 | $25.00 | 8/20/2009 3:17:30 PM |
| FASTIZIO_P | $33.33 | $33.33 | 8/20/2009 4:33:51 PM |
| Hambone1111 | $25.00 | $25.00 | 8/20/2009 7:12:38 PM |
| mmqc | $25.00 | $25.00 | 8/20/2009 4:33:11 PM |
| panthernoelle | $25.00 | $25.00 | 8/20/2009 8:12:30 PM |
| aldeed | $100.00 | $100.00 | 8/20/2009 6:18:06 PM |
| mckhbnpc | $25.00 | $25.00 | 8/20/2009 7:27:46 PM |
| wbahl | $25.00 | $25.00 | 8/20/2009 9:17:15 PM |
| PR05P3RToday | $25.00 | $25.00 | 8/20/2009 8:42:53 PM |
| L-vex | $25.00 | $25.00 | 8/20/2009 10:07:41 PM |
| guaton | $25.00 | $25.00 | 8/20/2009 10:07:43 PM |
| seattleite36 | $25.00 | $25.00 | 8/21/2009 4:22:18 AM |
| dt2812 | $25.00 | $25.00 | 8/21/2009 6:07:24 AM |
| spsavage | $25.00 | $25.00 | 8/21/2009 9:33:19 AM |
| JohnW12 | $25.00 | $25.00 | 8/21/2009 10:00:34 AM |
| Zagit | $25.00 | $25.00 | 8/21/2009 10:00:55 AM |
| Ryman81580 | $25.00 | $25.00 | 8/21/2009 11:27:21 AM |
| norcalsv | $31.22 | $25.65 | 8/21/2009 12:43:18 PM |
| Circle_of_Life | $100.00 | $100.00 | 8/21/2009 8:22:23 PM |
| pworld | $25.00 | $25.00 | 8/22/2009 3:19:47 PM |
| loanman2007 | $100.00 | $100.00 | 8/22/2009 5:24:23 PM |
| nestegg4e | $25.00 | $25.00 | 8/22/2009 6:09:27 PM |
| silvercertificate | $25.00 | $25.00 | 8/24/2009 10:32:16 AM |
| Lokinar | $65.00 | $65.00 | 8/24/2009 4:19:23 PM |
| leverage-britches | $25.00 | $25.00 | 8/25/2009 5:19:37 AM |
| PleaseDoNotDefault | $25.00 | $25.00 | 8/26/2009 5:22:49 AM |
| Sven79 | $250.00 | $250.00 | 8/26/2009 12:52:37 PM |
| SweatyBalls | $50.00 | $50.00 | 8/26/2009 1:19:45 PM |
| payout-magician | $25.00 | $25.00 | 8/26/2009 5:49:05 PM |
| Tulalue | $25.00 | $25.00 | 8/27/2009 5:51:23 AM |
| incbx | $25.00 | $25.00 | 8/17/2009 4:02:30 PM |
| TennSquire | $25.00 | $25.00 | 8/17/2009 4:02:51 PM |
| wayman | $50.00 | $50.00 | 8/17/2009 4:02:59 PM |
| exact-justice | $25.00 | $25.00 | 8/17/2009 4:03:15 PM |
| scottr | $25.00 | $25.00 | 8/17/2009 4:03:25 PM |
| Penny | $50.00 | $50.00 | 8/17/2009 4:03:31 PM |
| slymoose | $25.00 | $25.00 | 8/17/2009 4:03:47 PM |
| educationfirst | $25.00 | $25.00 | 8/17/2009 4:02:40 PM |
| p2p-allocator | $25.00 | $25.00 | 8/17/2009 4:04:57 PM |
| Weaverville | $75.00 | $75.00 | 8/17/2009 4:05:14 PM |
| Josta | $50.00 | $50.00 | 8/17/2009 4:05:26 PM |
| chekat | $25.00 | $25.00 | 8/17/2009 4:03:21 PM |
| capital-albatross | $25.00 | $25.00 | 8/17/2009 4:04:03 PM |
| figs4u2 | $200.00 | $200.00 | 8/17/2009 4:05:41 PM |
| fdsguy | $50.00 | $50.00 | 8/17/2009 4:04:19 PM |
| wampum-proton | $25.00 | $25.00 | 8/17/2009 4:04:39 PM |
| JL_FC | $25.00 | $25.00 | 8/17/2009 4:06:26 PM |
| gristle | $25.00 | $25.00 | 8/17/2009 4:06:32 PM |
| fireboss | $100.00 | $100.00 | 8/17/2009 4:07:19 PM |
| cgkid | $25.00 | $25.00 | 8/17/2009 4:07:59 PM |
| honorable-yield | $25.00 | $25.00 | 8/17/2009 4:07:42 PM |
| CarDealer3070 | $25.00 | $25.00 | 8/17/2009 4:15:02 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/17/2009 4:14:42 PM |
| mpactlender | $25.00 | $25.00 | 8/17/2009 4:14:50 PM |
| joeirps | $50.00 | $50.00 | 8/17/2009 4:13:52 PM |
| Dia_Lucrii | $25.00 | $25.00 | 8/17/2009 4:13:57 PM |
| Dia_Lucri3 | $25.00 | $25.00 | 8/17/2009 4:14:01 PM |
| Patter256 | $25.00 | $25.00 | 8/17/2009 4:15:47 PM |
| tornandfrayed | $25.00 | $25.00 | 8/17/2009 4:14:59 PM |
| monticello | $25.00 | $25.00 | 8/17/2009 4:15:14 PM |
| davidc314 | $50.00 | $50.00 | 8/17/2009 4:15:33 PM |
| pure-deal6 | $25.00 | $25.00 | 8/17/2009 4:16:34 PM |
| best-platinum-persimmon | $25.00 | $25.00 | 8/17/2009 4:18:25 PM |
| Binan | $25.00 | $25.00 | 8/17/2009 4:17:54 PM |
| skuba | $25.00 | $25.00 | 8/17/2009 4:26:41 PM |
| SNH | $25.00 | $25.00 | 8/17/2009 4:29:10 PM |
| personal-lender | $25.00 | $25.00 | 8/17/2009 4:29:47 PM |
| Elbanko | $25.00 | $25.00 | 8/17/2009 4:29:52 PM |
| red-sublime-return | $25.00 | $25.00 | 8/17/2009 4:30:01 PM |
| thedreamer | $25.00 | $25.00 | 8/17/2009 4:29:55 PM |
| head | $25.00 | $25.00 | 8/17/2009 4:29:20 PM |
| fizwahh | $30.00 | $30.00 | 8/17/2009 4:30:12 PM |
| crazycool | $35.00 | $35.00 | 8/17/2009 4:30:26 PM |
| GElender | $50.00 | $50.00 | 8/17/2009 4:29:45 PM |
| money-shaker | $25.00 | $25.00 | 8/17/2009 4:29:57 PM |
| hopethisworks | $50.00 | $50.00 | 8/17/2009 4:31:06 PM |
| jbarron | $25.00 | $25.00 | 8/17/2009 4:31:17 PM |
| 888168 | $25.00 | $25.00 | 8/17/2009 4:30:06 PM |
| Aquani | $50.00 | $50.00 | 8/17/2009 4:30:54 PM |
| keeks | $25.00 | $25.00 | 8/17/2009 4:30:50 PM |
| kyxysyx | $50.00 | $50.00 | 8/17/2009 4:32:04 PM |
| nodrivelpls | $25.00 | $25.00 | 8/17/2009 4:31:11 PM |
| ualf | $50.00 | $50.00 | 8/17/2009 4:32:29 PM |
| ibuystk | $50.00 | $50.00 | 8/17/2009 4:32:37 PM |
| aader | $25.00 | $25.00 | 8/17/2009 7:40:47 PM |
| outofoffice | $49.00 | $49.00 | 8/17/2009 8:00:31 PM |
| PotBellyPete | $25.00 | $25.00 | 8/17/2009 9:26:29 PM |
| leftcoast52 | $25.00 | $25.00 | 8/18/2009 5:16:19 AM |
| beyondmanagement | $25.00 | $25.00 | 8/18/2009 7:31:44 AM |
| puifais | $25.00 | $25.00 | 8/18/2009 8:40:46 AM |
| wise-silver-wonder | $25.00 | $25.00 | 8/18/2009 9:32:00 AM |
| Veloce | $25.00 | $25.00 | 8/18/2009 10:00:39 AM |
| brazilofmux | $38.55 | $38.55 | 8/18/2009 10:30:38 AM |
| caliguian | $25.00 | $25.00 | 8/18/2009 12:25:45 PM |
| NATIVEBORN | $50.00 | $50.00 | 8/18/2009 4:18:10 PM |
| amijo | $25.00 | $25.00 | 8/18/2009 4:16:25 PM |
| scoobiedoo | $25.00 | $25.00 | 8/18/2009 4:32:31 PM |
| Hexnut | $25.00 | $25.00 | 8/18/2009 4:53:13 PM |
| skiberdad | $44.39 | $44.39 | 8/18/2009 4:53:18 PM |
| fortytwo | $70.00 | $70.00 | 8/18/2009 4:54:09 PM |
| PHI4308 | $25.00 | $25.00 | 8/18/2009 4:54:02 PM |
| gravbox | $25.00 | $25.00 | 8/18/2009 4:54:06 PM |
| the-silver-blaster | $40.00 | $40.00 | 8/18/2009 4:54:12 PM |
| dilbert17 | $25.00 | $25.00 | 8/18/2009 4:54:33 PM |
| dspmn | $25.00 | $25.00 | 8/18/2009 4:54:19 PM |
| Breakfast_Gypsy | $25.00 | $25.00 | 8/18/2009 4:54:34 PM |
| elated-justice | $25.00 | $25.00 | 8/18/2009 4:54:55 PM |
| juiceman818 | $25.00 | $25.00 | 8/18/2009 5:01:03 PM |
| LenderByDay | $25.00 | $25.00 | 8/18/2009 5:01:53 PM |
| mamayama | $50.00 | $50.00 | 8/18/2009 9:56:27 PM |
| Sonihal | $59.53 | $59.53 | 8/18/2009 8:41:40 PM |
| GRI | $50.00 | $50.00 | 8/18/2009 10:26:56 PM |
| ALVO | $81.45 | $81.45 | 8/19/2009 5:47:33 AM |
| sail120 | $25.00 | $25.00 | 8/19/2009 5:53:18 AM |
| crankur | $25.00 | $25.00 | 8/19/2009 6:02:31 AM |
| treasure-generator | $25.00 | $25.00 | 8/19/2009 7:37:47 AM |
| jibe-set | $50.00 | $50.00 | 8/19/2009 6:57:47 AM |
| Kaj | $25.00 | $25.00 | 8/19/2009 7:44:49 AM |
| fund-virtuoso | $25.00 | $25.00 | 8/19/2009 8:10:40 AM |
| lendinstuff | $25.00 | $25.00 | 8/19/2009 8:24:41 AM |
| pilla | $50.00 | $50.00 | 8/19/2009 9:26:06 AM |
| KiwiElf | $32.44 | $32.44 | 8/19/2009 10:59:47 AM |
| rdrloan | $25.00 | $25.00 | 8/19/2009 10:07:34 AM |
| easylender | $25.00 | $25.00 | 8/19/2009 11:47:53 AM |
| bnlforever | $25.00 | $25.00 | 8/19/2009 12:18:19 PM |
| a0z0ra | $50.00 | $50.00 | 8/19/2009 12:26:40 PM |
| DrNano | $50.00 | $50.00 | 8/19/2009 12:40:18 PM |
| IP | $25.50 | $25.50 | 8/19/2009 12:42:47 PM |
| transaction-animal8 | $25.00 | $25.00 | 8/19/2009 12:42:56 PM |
| slojudy | $25.00 | $25.00 | 8/19/2009 12:57:54 PM |
| kaykarun | $25.00 | $25.00 | 8/19/2009 12:42:49 PM |
| tillit | $25.00 | $25.00 | 8/19/2009 3:10:17 PM |
| justinle | $25.00 | $25.00 | 8/19/2009 1:14:14 PM |
| divedude | $25.00 | $25.00 | 8/19/2009 1:17:23 PM |
| ADIDASNO | $25.00 | $25.00 | 8/19/2009 3:14:31 PM |
| shanedog | $25.00 | $25.00 | 8/19/2009 1:45:25 PM |
| PaulW | $25.00 | $25.00 | 8/19/2009 3:03:27 PM |
| dokiya777 | $50.00 | $50.00 | 8/19/2009 3:04:27 PM |
| gotyourgear | $25.00 | $25.00 | 8/19/2009 3:11:27 PM |
| hc90474 | $25.00 | $25.00 | 8/19/2009 4:53:56 PM |
| JKEnterprises | $25.00 | $25.00 | 8/19/2009 7:37:32 PM |
| DadWarbucks | $33.07 | $33.07 | 8/19/2009 5:12:17 PM |
| herbyman | $25.00 | $25.00 | 8/19/2009 6:57:29 PM |
| Cbgator | $25.00 | $25.00 | 8/19/2009 7:37:47 PM |
| rosadoc | $25.00 | $25.00 | 8/19/2009 7:47:45 PM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/19/2009 7:37:22 PM |
| ianakacg | $25.00 | $25.00 | 8/19/2009 7:42:49 PM |
| srs1325 | $25.00 | $25.00 | 8/19/2009 8:23:12 PM |
| andycheb | $25.00 | $25.00 | 8/20/2009 8:23:15 AM |
| mikeandcat | $50.00 | $50.00 | 8/20/2009 4:22:22 AM |
| anders94 | $100.00 | $100.00 | 8/20/2009 8:57:18 AM |
| iolaire | $25.00 | $25.00 | 8/20/2009 4:33:54 AM |
| Adam_00 | $25.00 | $25.00 | 8/20/2009 5:12:46 AM |
| goingplaces99 | $25.00 | $25.00 | 8/20/2009 5:23:53 AM |
| Westsider | $25.00 | $25.00 | 8/20/2009 9:38:32 AM |
| salala | $25.00 | $25.00 | 8/20/2009 7:37:46 AM |
| Tavita | $25.00 | $25.00 | 8/20/2009 9:22:27 AM |
| shawnw2 | $25.00 | $25.00 | 8/20/2009 9:32:52 AM |
| PAID-IN-FULL | $25.00 | $25.00 | 8/20/2009 11:17:40 AM |
| 1750 | $25.00 | $25.00 | 8/20/2009 9:47:33 AM |
| wdove511 | $25.00 | $25.00 | 8/20/2009 12:02:17 PM |
| augsdad | $25.00 | $25.00 | 8/20/2009 12:47:49 PM |
| TheColoradoDon | $25.00 | $25.00 | 8/20/2009 2:38:19 PM |
| apetrock | $49.98 | $49.98 | 8/20/2009 3:17:29 PM |
| Panitza | $45.42 | $45.42 | 8/20/2009 3:17:33 PM |
| Haydendover | $25.00 | $25.00 | 8/20/2009 2:13:25 PM |
| lucky6 | $25.00 | $25.00 | 8/20/2009 4:18:59 PM |
| ChuckChedda | $25.00 | $25.00 | 8/20/2009 4:19:09 PM |
| Plotinus | $26.92 | $26.92 | 8/20/2009 4:19:50 PM |
| latestone | $25.00 | $25.00 | 8/20/2009 5:13:13 PM |
| SafeSaxa | $25.00 | $25.00 | 8/20/2009 4:25:23 PM |
| Rule62 | $25.00 | $25.00 | 8/20/2009 4:33:15 PM |
| zaxsan | $25.00 | $25.00 | 8/20/2009 4:33:41 PM |
| serpentine | $50.00 | $50.00 | 8/20/2009 4:33:20 PM |
| sclark | $25.00 | $25.00 | 8/20/2009 5:13:10 PM |
| mjjjrj | $25.00 | $25.00 | 8/20/2009 5:28:18 PM |
| dimitrip1024 | $25.00 | $25.00 | 8/20/2009 9:52:34 PM |
| money2k | $25.00 | $25.00 | 8/20/2009 7:47:34 PM |
| MBIntl | $25.00 | $25.00 | 8/21/2009 6:57:25 AM |
| Gar3field | $50.00 | $50.00 | 8/20/2009 7:19:16 PM |
| pksfunds | $32.33 | $32.33 | 8/20/2009 9:32:16 PM |
| MyKidsDad | $25.00 | $25.00 | 8/20/2009 8:32:19 PM |
| iruz | $27.25 | $27.25 | 8/20/2009 9:32:20 PM |
| d3cotton | $25.00 | $25.00 | 8/20/2009 10:12:19 PM |
| Sixmil | $25.00 | $25.00 | 8/21/2009 9:33:40 AM |
| Blue_HorseShoe | $25.00 | $25.00 | 8/21/2009 5:07:35 AM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:44 AM |
| lt5656 | $25.00 | $25.00 | 8/21/2009 10:35:24 AM |
| ufmikey | $100.00 | $100.00 | 8/21/2009 11:44:30 AM |
| Caledoni | $25.00 | $25.00 | 8/21/2009 9:33:37 AM |
| interstellar | $50.00 | $50.00 | 8/21/2009 4:38:14 PM |
| KingCroesus | $25.00 | $25.00 | 8/22/2009 9:04:11 PM |
| KingCroesus | $25.00 | $25.00 | 8/22/2009 9:04:54 PM |
| bullwink27 | $25.00 | $25.00 | 8/23/2009 5:26:55 AM |
| resource777 | $50.00 | $50.00 | 8/24/2009 8:16:59 AM |
| silvercertificate | $25.00 | $25.00 | 8/24/2009 10:37:31 AM |
| liederhaus | $50.00 | $50.00 | 8/24/2009 6:17:47 PM |
| ShermanSteve | $25.00 | $25.00 | 8/25/2009 7:52:17 PM |
| irrelevant | $25.00 | $25.00 | 8/26/2009 3:36:38 AM |
| mg144 | $25.00 | $25.00 | 8/26/2009 6:13:45 AM |
| tashara | $25.00 | $25.00 | 8/26/2009 5:31:10 PM |
| lth35 | $50.00 | $50.00 | 8/26/2009 5:57:54 PM |
| lendme2 | $100.00 | $100.00 | 8/26/2009 7:38:08 PM |
| 315 bids
|
Borrower Payment Dependent Notes Series
420746
This series of Notes was issued and sold upon the funding of the borrower loan #38408, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,800.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 8.13% |
Starting borrower rate/APR:
| 9.13% / 11.23% |
Starting monthly payment:
| $121.07 |
|
Final lender yield:
| 6.95% |
Final borrower rate/APR:
| 7.95% / 10.03% |
Final monthly payment:
| $118.99 |
| |
|
Auction yield range:
| 3.18% - 8.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.35% | | |
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:
| Feb-2001 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 15
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 34 | Length of status: | 4y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,155 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 40% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| danbag7826 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $2,300.00 | < mo. late:
| 0
( 0% )
| 700-720
(May-2008)
|
|
Principal balance:
| $1,503.90 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Debt Consolidation
Purpose of loan:
I have a?Prosper loan out right now that has?around?$1500 remaining.? I also have a credit card that I owe about $2300 with a 16% interest rate.? I would like to consolidate the two debts while lower the interest rate.? I got the Prosper loan about a year ago and do automatic payments and have never had a problem?making the payments.? Prosper exists for people like me who can already get loans through banks or whatever but can save money by going through prosper.? This is a relist.? The last time I tried for the total of the credit card that I'd like to pay off which is $4300.??I have?improved my credit score since my last?Prosper venture and hope to lower my finance charges and improve my credit score even more with this listing.? Happy bidding!
My financial situation:
I am in a career that I started?just over 4?years ago working for a class 1 railroad.?? I have a good work ethic and make a good deal of money because of that reason.? My credit score is not what it should be because of a situation I had with a store credit card.? I tried to pay the balance of the card and close the account.? What happened was that the associate told me that I was paying off the card when I was actually paying off everything but $20.? After that, I did not receive a bill again.? About 5 months later I tried to buy a car and my jaw dropped to the floor when I was told that I could not be given a loan because my credit was not good enough.? Through hours of phone calls I finally found out what had happened and was told that this problem would be taken care of.? About a year later I had applied for another car loan and when told what interest rate I could get I asked why and they said it was because of the serious delinquency from that store credit card.? Another hour of phone calls ensued ending in me being?very angry and the associate whom?I could barely understand repeating over and over again that the computer showed that they sent me a bill and there was nothing she could do.??Everything else on my credit report?is perfect.? Never a late payment or any other delinquent account.?
Monthly net income: $2500
Monthly expenses: $
??Housing: $200
??Insurance: $110?
??Car expenses: $250
? Motorcycle: $130
??Phone: $80
??Food, entertainment: $300?
??Clothing, household expenses $20
??Credit cards and other loans: $400
??Other expenses: $100
You will see in the explanation of my expenses that I pay more in credit cards/other loans than anything else.? Included in that $400 is a student loan that I pay $130 per month.? The purpose of my prosper venture is to reduce that amount while paying the credit cards off sooner. If you have any questions at all please feel free to ask.
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) |
|
| elated-justice | $25.00 | $25.00 | 8/17/2009 4:08:44 PM |
| greenback-floret | $25.00 | $25.00 | 8/17/2009 4:08:54 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/17/2009 4:10:05 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/17/2009 4:10:21 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/17/2009 4:11:04 PM |
| abuyama22 | $25.00 | $25.00 | 8/17/2009 4:12:19 PM |
| 888168 | $50.00 | $50.00 | 8/17/2009 4:12:27 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/17/2009 4:12:59 PM |
| skuba | $50.00 | $50.00 | 8/17/2009 4:12:46 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/17/2009 4:17:12 PM |
| anton | $50.00 | $50.00 | 8/17/2009 4:45:45 PM |
| seasportsguy | $25.00 | $25.00 | 8/17/2009 9:11:20 PM |
| TheReaderRabbit | $25.00 | $25.00 | 8/18/2009 1:01:55 PM |
| treeline | $50.00 | $50.00 | 8/18/2009 1:02:05 PM |
| Avala | $25.00 | $25.00 | 8/18/2009 1:02:03 PM |
| shanedog | $25.00 | $25.00 | 8/18/2009 1:03:02 PM |
| Patter256 | $25.00 | $25.00 | 8/18/2009 1:02:09 PM |
| supe11 | $25.00 | $25.00 | 8/18/2009 4:24:46 PM |
| qkinger | $50.00 | $50.00 | 8/18/2009 5:00:54 PM |
| axelducheck | $25.00 | $25.00 | 8/18/2009 5:10:35 PM |
| Ellisdee | $29.00 | $29.00 | 8/18/2009 9:31:25 PM |
| TK4 | $25.00 | $25.00 | 8/19/2009 6:53:07 AM |
| Goodlender42 | $25.00 | $25.00 | 8/19/2009 6:54:34 AM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:48:07 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:16 AM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/19/2009 11:07:34 AM |
| jct_enterprises | $25.00 | $25.00 | 8/19/2009 12:26:33 PM |
| sparky1129 | $25.00 | $25.00 | 8/19/2009 1:05:03 PM |
| eyewillfindu | $25.00 | $25.00 | 8/19/2009 3:40:15 PM |
| fortytwo | $25.00 | $25.00 | 8/19/2009 5:37:19 PM |
| Natronpee | $25.00 | $25.00 | 8/19/2009 6:23:56 PM |
| head | $25.00 | $25.00 | 8/19/2009 6:22:27 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:42 PM |
| kmwvma | $25.00 | $25.00 | 8/20/2009 1:50:07 AM |
| SchaeferJ | $25.00 | $25.00 | 8/20/2009 2:05:06 PM |
| ChristopherHS | $25.00 | $25.00 | 8/20/2009 5:17:34 PM |
| Sarspatula | $25.00 | $25.00 | 8/23/2009 11:27:37 AM |
| loanman2007 | $100.00 | $100.00 | 8/24/2009 1:37:56 PM |
| Halos2002 | $50.00 | $50.00 | 8/24/2009 2:17:21 PM |
| albatross897 | $25.00 | $25.00 | 8/24/2009 4:57:33 PM |
| OGS_Capital | $25.00 | $25.00 | 8/24/2009 7:42:31 PM |
| nimcha | $100.00 | $100.00 | 8/25/2009 12:25:23 PM |
| kander80 | $25.00 | $25.00 | 8/25/2009 9:42:25 AM |
| dman1024 | $25.00 | $25.00 | 8/25/2009 1:04:27 PM |
| buukyak | $25.00 | $25.00 | 8/25/2009 7:37:26 PM |
| Planecourage | $25.00 | $25.00 | 8/26/2009 1:30:56 PM |
| Okeey | $25.00 | $25.00 | 8/27/2009 1:09:07 AM |
| andyman02 | $50.00 | $50.00 | 8/27/2009 9:31:10 AM |
| Tulalue | $25.00 | $25.00 | 8/28/2009 7:03:24 AM |
| mrxtravis | $25.00 | $25.00 | 8/28/2009 4:01:18 PM |
| kinetic-social | $25.00 | $25.00 | 8/28/2009 4:15:07 PM |
| GEOFFS3 | $25.00 | $25.00 | 8/29/2009 8:52:44 AM |
| julijask | $25.00 | $25.00 | 8/29/2009 10:52:17 AM |
| damage | $25.00 | $25.00 | 8/29/2009 11:45:41 PM |
| gothampark | $50.00 | $50.00 | 8/30/2009 4:00:39 PM |
| dammage | $25.96 | $25.96 | 8/31/2009 8:07:51 AM |
| bossyboots01 | $30.00 | $30.00 | 8/31/2009 5:57:24 AM |
| blot44 | $50.00 | $50.00 | 8/31/2009 7:45:44 AM |
| don8ter | $60.00 | $60.00 | 8/17/2009 4:09:48 PM |
| thedoctor | $25.00 | $25.00 | 8/17/2009 4:10:01 PM |
| honorable-yield | $50.00 | $50.00 | 8/17/2009 4:10:46 PM |
| Sid-K | $50.00 | $50.00 | 8/17/2009 4:11:57 PM |
| DukSerduk | $25.00 | $25.00 | 8/17/2009 4:12:07 PM |
| mathprof | $25.00 | $25.00 | 8/17/2009 4:12:36 PM |
| Artist_Blue | $25.00 | $25.00 | 8/17/2009 4:13:13 PM |
| bchen78875 | $50.00 | $50.00 | 8/17/2009 4:13:24 PM |
| lowestghost | $25.00 | $25.00 | 8/17/2009 4:17:05 PM |
| income-excellence1 | $25.00 | $25.00 | 8/17/2009 4:16:59 PM |
| ClearLake | $25.00 | $25.00 | 8/17/2009 4:17:22 PM |
| d3global | $25.00 | $25.00 | 8/17/2009 6:32:15 PM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:32:31 AM |
| money-shaker | $25.00 | $25.00 | 8/18/2009 1:03:04 PM |
| CarlC | $25.00 | $25.00 | 8/18/2009 1:01:43 PM |
| cyberie21 | $30.51 | $30.51 | 8/18/2009 1:02:04 PM |
| AnxiousAirman | $25.47 | $25.47 | 8/18/2009 1:30:41 PM |
| MonkeyPet | $25.00 | $25.00 | 8/18/2009 4:24:50 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:36:11 PM |
| Shoeson | $25.00 | $25.00 | 8/19/2009 7:31:27 AM |
| rdrloan | $25.00 | $25.00 | 8/19/2009 10:07:34 AM |
| Halos2002 | $50.00 | $50.00 | 8/19/2009 9:27:47 AM |
| revthunder | $34.00 | $34.00 | 8/19/2009 9:57:32 AM |
| Warbler | $25.00 | $25.00 | 8/19/2009 1:33:05 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 8/19/2009 2:18:55 PM |
| investment-builder0 | $50.00 | $50.00 | 8/19/2009 10:27:25 PM |
| totoro | $25.00 | $25.00 | 8/20/2009 1:08:38 AM |
| aesop | $25.00 | $4.10 | 8/20/2009 9:29:36 AM |
| market-assembler | $25.00 | $25.00 | 8/21/2009 4:39:04 PM |
| sportcraft18 | $28.77 | $28.77 | 8/21/2009 6:47:24 PM |
| beachfunder | $25.00 | $25.00 | 8/22/2009 1:01:38 PM |
| HealthAndSafety | $50.00 | $50.00 | 8/22/2009 6:43:43 AM |
| hondo44 | $57.19 | $57.19 | 8/23/2009 11:56:39 AM |
| theloanteacher | $25.00 | $25.00 | 8/23/2009 12:32:01 PM |
| jimbo29blue | $50.00 | $50.00 | 8/23/2009 2:01:41 PM |
| LittleMingo | $25.00 | $25.00 | 8/24/2009 9:58:49 AM |
| plbquic | $50.00 | $50.00 | 8/24/2009 12:08:30 PM |
| Finspons | $25.00 | $25.00 | 8/24/2009 3:40:08 PM |
| Earn_money | $25.00 | $25.00 | 8/24/2009 5:20:19 PM |
| quiggles | $25.00 | $25.00 | 8/24/2009 5:32:02 PM |
| llequire1 | $200.00 | $200.00 | 8/25/2009 3:02:36 PM |
| slick8812 | $25.00 | $25.00 | 8/25/2009 8:55:10 PM |
| Sven79 | $100.00 | $100.00 | 8/26/2009 12:52:58 PM |
| manuvns | $25.00 | $25.00 | 8/26/2009 7:19:30 PM |
| Algaes | $25.00 | $25.00 | 8/27/2009 1:09:05 AM |
| prossperous01 | $25.00 | $25.00 | 8/27/2009 12:13:53 PM |
| outofoffice | $50.00 | $50.00 | 8/27/2009 9:17:03 PM |
| scref | $25.00 | $25.00 | 8/28/2009 9:29:34 AM |
| surferracerskaterboy | $50.00 | $50.00 | 8/28/2009 11:30:30 AM |
| festivecpl | $25.00 | $25.00 | 8/28/2009 7:35:25 PM |
| Richmp412 | $25.00 | $25.00 | 8/29/2009 8:25:29 AM |
| RIVERBEND | $25.00 | $25.00 | 8/30/2009 1:09:46 PM |
| able2help | $25.00 | $25.00 | 8/30/2009 12:15:34 AM |
| JACJ | $25.00 | $25.00 | 8/30/2009 9:01:05 AM |
| njmlaj726 | $25.00 | $25.00 | 8/31/2009 8:40:16 AM |
| 113 bids
|
Borrower Payment Dependent Notes Series
420770
This series of Notes was issued and sold upon the funding of the borrower loan #38397, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 12.02% |
Starting borrower rate/APR:
| 13.02% / 15.16% |
Starting monthly payment:
| $235.93 |
|
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $227.02 |
| |
|
Auction yield range:
| 4.18% - 12.02% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.22% | | |
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:
| Aug-2003 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 720-740 (Aug-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 14 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $18,248 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 47% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| awicz |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 9 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(Aug-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Please help me finish my education!
A Few Notes:
This is my second Prosper loan!? The lending community here helped me out with this exact same scenario last year, and thanks to an unexpectedly large tax return--I was able to pay the amount off very quickly.? I will be headed back to school for a second 6-months, and so the information listed below is nearly identical to last year.? Some may notice that my income has dropped, but that is a reflection of only working for 8 months of last year's tax season. I also now have significantly lower monthly expenses due to a combination of debt reduction, consolidation, and refinancing.? Please don't hesitate to ask me anything else!
Purpose of loan:
This loan will be used to help me cover some of the expenses associated with a college education. I am currently employed with a local heating and air-conditioning contractor as an operational manager.? My company has been gracious enough to allow me a 6-month sabbatical as well as help with some of the costs to finish my degree in Business Finance.
My financial situation:
I am a good candidate for this loan because I am actively involved in managing my own finances. I always pay my bills on time.? I also live well below my means, as you can see by my monthly expenses.? Most of my money is reinvested in my home, education, or retirement. I have a very good job, one in which they are proactively helping me finish my education!? I feel very fortunate to have my position, so I would like to expedite my education so I can focus solely on my career.
I am very proud of the fact that I have been able to buy a home, go to school, and build a career-- without assuming a terrible amount of debt.? I am now hoping that the Prosper community can help me through my final courses so I can finally finish my degree!? As a prosper lender myself, I know how beneficial these loans can be for an individual to achieve a variety of goals.?
Monthly net income: $3300 (while working)
I have a 1-year lease with two tenants, both of which live with me at my house.? I collect $410 from each of them every month.
After insurance and 401k contributions my take home pay is $2540 per month
Monthly expenses: $1420? **all numbers rounded up to the next $10 mark
??Housing: $650
??Insurance: Already paid for through the six month sabbatical, otherwise $40 is deducted from my weekly paycheck.
??Car expenses: $0
(company car, all expenses paid)
??Utilities: $190
??Phone, cable, internet: $60
??Food, entertainment: $160
??Clothing, household expenses $100
? Other expenses: $260 for an Equity Line (on the house)
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:
Can you please explain/detail out the 18k in revolving debt? Also, Can you tell us how long you intend to keep this loan (assuming your tax return isn't astronomically huge this year) =). Thanks much ! - BAEVentures
A:
The majority of the revolving credit is actually attributed to my house as an equity line ($17,621). The remaining amount is simply living expenses; I pay for everything with my credit card and pay it off at the end of the week.
I certainly wouldn't be fooling anyone by saying that I WANT to keep any loan for as long as possible. I do however expect to keep this for a minimum of 1.5 years.
(Aug-24-2009)
Q:
Hi,
Will this semester finish up your degree?
Is the company you work for owned or operated by your family?
You appear to be very good at handling your money and finances. This should help you to go far in your life. - natural-rate
A:
After this semester I will have 2 courses left. I will take these as night classes, since I will be working full time again. My family doesn't own the company, nor does any member of my family work there. I work for an employee owned company. Over the last 5 years, I believe I have proved myself worth keeping around :) Thank your for the question and the complements!
(Aug-29-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| brightest-revenue-spark | $25.00 | $25.00 | 8/17/2009 4:10:07 PM |
| DukSerduk | $25.00 | $25.00 | 8/17/2009 4:12:09 PM |
| Artist_Blue | $25.00 | $25.00 | 8/17/2009 4:13:16 PM |
| anton | $50.00 | $50.00 | 8/17/2009 4:45:48 PM |
| abuyama22 | $25.00 | $25.00 | 8/17/2009 11:09:10 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:36:13 PM |
| seasportsguy | $25.00 | $25.00 | 8/19/2009 6:53:16 AM |
| income-excellence1 | $25.00 | $25.00 | 8/19/2009 6:53:44 AM |
| lowestghost | $25.00 | $25.00 | 8/19/2009 6:53:21 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:19 AM |
| shanedog | $25.00 | $25.00 | 8/19/2009 1:43:51 PM |
| Goodlender42 | $25.00 | $25.00 | 8/19/2009 2:12:42 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:44 PM |
| eyewillfindu | $25.00 | $25.00 | 8/20/2009 9:02:46 PM |
| Syzygy | $25.00 | $25.00 | 8/20/2009 6:15:30 PM |
| Warbler | $25.00 | $25.00 | 8/21/2009 6:12:24 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:32:58 AM |
| rdrloan | $25.00 | $25.00 | 8/21/2009 4:25:35 PM |
| Jassi | $50.00 | $50.00 | 8/21/2009 4:40:17 PM |
| kenji4861 | $43.48 | $43.48 | 8/21/2009 4:40:30 PM |
| jct_enterprises | $25.00 | $25.00 | 8/21/2009 9:52:15 PM |
| ClearLake | $25.00 | $25.00 | 8/21/2009 6:37:30 PM |
| Sam65 | $25.00 | $25.00 | 8/22/2009 6:47:18 AM |
| fostaman | $25.00 | $25.00 | 8/22/2009 3:52:25 PM |
| BigBoy2008 | $25.00 | $25.00 | 8/22/2009 4:43:31 PM |
| rjleves | $25.00 | $25.00 | 8/22/2009 10:28:05 AM |
| money-shaker | $25.00 | $25.00 | 8/23/2009 11:29:30 AM |
| truth-companion | $25.00 | $25.00 | 8/23/2009 11:29:33 AM |
| jgar_O | $25.00 | $25.00 | 8/23/2009 12:02:29 PM |
| kyomoon | $30.98 | $30.98 | 8/23/2009 11:30:33 AM |
| payontime1 | $50.00 | $50.00 | 8/23/2009 9:53:20 PM |
| Finspons | $50.00 | $50.00 | 8/23/2009 4:35:13 PM |
| Cherrypicker06 | $25.00 | $25.00 | 8/24/2009 9:37:40 AM |
| Supp0rter | $43.98 | $43.98 | 8/24/2009 10:42:32 AM |
| Guerrilla_Man | $25.00 | $25.00 | 8/24/2009 10:20:13 AM |
| market-assembler | $25.00 | $25.00 | 8/24/2009 4:57:51 PM |
| hope-eagle6 | $25.00 | $25.00 | 8/24/2009 4:58:20 PM |
| outofoffice | $50.00 | $50.00 | 8/24/2009 9:21:16 PM |
| Veloce | $25.00 | $25.00 | 8/25/2009 7:35:13 AM |
| red-sublime-return | $25.00 | $25.00 | 8/25/2009 7:35:18 AM |
| eyal0 | $25.00 | $25.00 | 8/25/2009 7:35:46 AM |
| Ananya | $25.00 | $25.00 | 8/25/2009 5:37:24 AM |
| puifais | $25.00 | $25.00 | 8/25/2009 8:27:43 AM |
| naniamo | $25.00 | $25.00 | 8/25/2009 9:37:47 AM |
| wormdc | $25.00 | $25.00 | 8/25/2009 10:17:22 AM |
| sisepuede | $25.00 | $25.00 | 8/25/2009 7:35:17 AM |
| Patrician | $25.00 | $25.00 | 8/25/2009 11:12:22 AM |
| jetblack | $50.00 | $50.00 | 8/25/2009 1:37:12 PM |
| rulender | $50.00 | $50.00 | 8/25/2009 10:17:34 AM |
| velocity-turtle | $25.00 | $25.00 | 8/25/2009 9:33:42 AM |
| hobodave | $25.00 | $25.00 | 8/25/2009 3:18:19 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/25/2009 11:17:22 AM |
| lagnisiruk | $25.00 | $25.00 | 8/25/2009 11:37:41 AM |
| Namrok | $25.00 | $25.00 | 8/25/2009 1:42:18 PM |
| shopzone | $25.00 | $25.00 | 8/25/2009 4:37:56 PM |
| gogmagog | $50.00 | $50.00 | 8/25/2009 2:02:47 PM |
| Personal-Bond | $50.00 | $50.00 | 8/25/2009 5:14:27 PM |
| IndianChief | $25.00 | $25.00 | 8/25/2009 5:38:03 PM |
| Johnab | $55.00 | $55.00 | 8/25/2009 4:35:31 PM |
| BGILlender | $25.00 | $25.00 | 8/25/2009 8:22:13 PM |
| MonkeyPet | $25.00 | $25.00 | 8/25/2009 5:13:20 PM |
| BayShell | $32.95 | $32.95 | 8/25/2009 10:17:24 PM |
| wealth-mogul534 | $25.00 | $25.00 | 8/25/2009 6:10:46 PM |
| KaiserRex | $25.00 | $25.00 | 8/26/2009 2:43:46 AM |
| Natronpee | $25.00 | $25.00 | 8/25/2009 5:38:51 PM |
| conceptpi | $25.00 | $25.00 | 8/25/2009 6:47:13 PM |
| djs81 | $25.00 | $25.00 | 8/25/2009 7:09:09 PM |
| guybyny | $25.00 | $25.00 | 8/26/2009 5:19:16 AM |
| mtsilver | $25.00 | $25.00 | 8/26/2009 5:57:12 AM |
| kayakg | $25.00 | $25.00 | 8/25/2009 8:57:29 PM |
| klin | $25.00 | $25.00 | 8/25/2009 8:07:11 PM |
| Winsor-advocate | $25.00 | $25.00 | 8/25/2009 8:50:19 PM |
| BankOfFrankFairness | $35.73 | $35.73 | 8/25/2009 9:32:15 PM |
| NATIVEBORN | $50.00 | $50.00 | 8/25/2009 11:23:18 PM |
| charlieok | $25.00 | $25.00 | 8/25/2009 10:17:12 PM |
| bruin558 | $90.00 | $90.00 | 8/25/2009 10:32:12 PM |
| ADenny | $25.00 | $25.00 | 8/25/2009 10:43:51 PM |
| virtualbank | $25.00 | $25.00 | 8/26/2009 5:43:07 AM |
| tamcho | $25.00 | $25.00 | 8/26/2009 12:03:10 PM |
| McChan | $100.00 | $100.00 | 8/26/2009 8:29:46 PM |
| HawaiianHelper | $50.00 | $50.00 | 8/27/2009 1:12:01 AM |
| kinetic07 | $100.00 | $100.00 | 8/27/2009 10:26:17 AM |
| Dskillz | $25.00 | $25.00 | 8/27/2009 5:32:32 PM |
| GWV2 | $50.00 | $50.00 | 8/27/2009 6:07:22 PM |
| aqaq8877 | $100.00 | $100.00 | 8/28/2009 10:31:30 AM |
| clemclan | $37.00 | $37.00 | 8/28/2009 3:24:37 PM |
| JerryB96 | $25.00 | $25.00 | 8/29/2009 8:56:32 AM |
| libertas67 | $25.00 | $25.00 | 8/29/2009 7:32:04 AM |
| Galdis | $25.00 | $25.00 | 8/29/2009 11:03:13 PM |
| dollars4debts | $50.00 | $50.00 | 8/29/2009 10:35:29 AM |
| element40 | $100.00 | $100.00 | 8/29/2009 12:59:05 PM |
| Kash2010lu | $25.00 | $25.00 | 8/30/2009 12:33:23 PM |
| bondhedger | $25.00 | $25.00 | 8/30/2009 6:39:10 PM |
| verbal8 | $25.00 | $25.00 | 8/31/2009 5:18:40 AM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 10:36:00 AM |
| UC3307 | $90.00 | $90.00 | 8/31/2009 11:22:29 AM |
| gothampark | $25.00 | $25.00 | 8/31/2009 2:30:08 PM |
| Dollars4Rent | $25.00 | $25.00 | 8/31/2009 2:03:53 PM |
| RandyL3 | $25.00 | $25.00 | 8/31/2009 2:27:55 PM |
| BAEVentures | $25.00 | $25.00 | 8/31/2009 4:01:42 PM |
| don8ter | $60.00 | $60.00 | 8/17/2009 4:09:50 PM |
| thedoctor | $25.00 | $25.00 | 8/17/2009 4:10:03 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/17/2009 4:10:22 PM |
| honorable-yield | $50.00 | $50.00 | 8/17/2009 4:10:47 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/17/2009 4:11:07 PM |
| Sid-K | $50.00 | $50.00 | 8/17/2009 4:11:58 PM |
| 888168 | $50.00 | $50.00 | 8/17/2009 4:12:29 PM |
| mathprof | $25.00 | $25.00 | 8/17/2009 4:12:38 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/17/2009 4:13:02 PM |
| skuba | $50.00 | $50.00 | 8/17/2009 4:12:48 PM |
| bchen78875 | $50.00 | $50.00 | 8/17/2009 4:13:28 PM |
| elated-justice | $25.00 | $25.00 | 8/17/2009 11:09:09 PM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:48:14 AM |
| irrelevant | $25.00 | $25.00 | 8/19/2009 12:20:30 PM |
| Avala | $25.00 | $25.00 | 8/19/2009 10:38:04 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/20/2009 8:24:01 AM |
| cyberie21 | $40.00 | $40.00 | 8/20/2009 4:32:48 AM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:33 AM |
| fortytwo | $50.00 | $50.00 | 8/20/2009 10:27:34 AM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 3:51:13 PM |
| TK4 | $25.00 | $25.00 | 8/20/2009 4:09:23 PM |
| sparky1129 | $25.00 | $25.00 | 8/20/2009 4:58:24 PM |
| RandyL3 | $37.93 | $37.93 | 8/20/2009 6:42:30 PM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:31 AM |
| cowboyskier | $42.34 | $42.34 | 8/21/2009 8:48:58 AM |
| aesop | $25.00 | $25.00 | 8/21/2009 12:19:07 PM |
| bowdish1 | $50.00 | $50.00 | 8/21/2009 12:32:29 PM |
| JJS180 | $25.00 | $25.00 | 8/21/2009 4:39:33 PM |
| tallcoolone | $25.00 | $25.00 | 8/21/2009 4:40:29 PM |
| woodenshoes | $29.73 | $29.73 | 8/21/2009 4:19:44 PM |
| totoro | $25.00 | $25.00 | 8/21/2009 4:20:10 PM |
| elasermd | $50.00 | $50.00 | 8/21/2009 7:27:35 PM |
| DrStaff | $25.00 | $25.00 | 8/22/2009 10:52:53 AM |
| ProfPC | $25.00 | $25.00 | 8/22/2009 12:13:21 PM |
| theloanteacher | $25.00 | $25.00 | 8/22/2009 12:01:54 PM |
| YogaDude34 | $87.00 | $87.00 | 8/23/2009 11:30:31 AM |
| dlshap | $25.00 | $25.00 | 8/23/2009 6:22:21 PM |
| grf1945 | $25.00 | $25.00 | 8/24/2009 8:17:32 AM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 9:33:22 AM |
| mrzz | $25.00 | $25.00 | 8/24/2009 10:21:34 AM |
| gilbow | $25.00 | $25.00 | 8/24/2009 12:12:13 PM |
| krishopper | $25.00 | $25.00 | 8/24/2009 4:57:46 PM |
| fdsguy | $33.17 | $33.17 | 8/24/2009 5:02:32 PM |
| keyfig | $25.00 | $25.00 | 8/25/2009 7:35:14 AM |
| willingnjc | $25.00 | $25.00 | 8/24/2009 6:12:43 PM |
| treeline | $50.00 | $50.00 | 8/25/2009 7:33:44 AM |
| Sixmil | $25.00 | $25.00 | 8/25/2009 8:38:53 AM |
| GElender | $50.00 | $50.00 | 8/25/2009 7:35:15 AM |
| Theboof | $25.00 | $25.00 | 8/25/2009 7:35:24 AM |
| OLYVRC | $25.00 | $25.00 | 8/25/2009 12:32:37 PM |
| cool_kubera | $50.00 | $50.00 | 8/25/2009 12:53:31 PM |
| windfall46 | $25.00 | $25.00 | 8/25/2009 9:49:48 AM |
| Ellisdee | $25.42 | $25.42 | 8/25/2009 1:08:29 PM |
| fotep-financial | $25.00 | $25.00 | 8/25/2009 10:17:31 AM |
| brstern2 | $25.00 | $25.00 | 8/25/2009 10:17:35 AM |
| new-thrilling-principal | $25.00 | $25.00 | 8/25/2009 9:32:37 AM |
| htargett | $25.00 | $25.00 | 8/25/2009 3:29:03 PM |
| nhm | $50.00 | $50.00 | 8/25/2009 12:42:09 PM |
| wamozart | $25.00 | $25.00 | 8/25/2009 1:33:36 PM |
| head | $25.00 | $25.00 | 8/25/2009 2:07:34 PM |
| teega5 | $50.00 | $50.00 | 8/25/2009 2:42:40 PM |
| a-fund-paradise | $25.00 | $25.00 | 8/25/2009 1:58:22 PM |
| Raetha | $25.00 | $25.00 | 8/25/2009 4:40:30 PM |
| Railbird | $25.00 | $25.00 | 8/25/2009 3:08:13 PM |
| TyBucks | $25.00 | $25.00 | 8/25/2009 4:48:03 PM |
| wampum-proton | $25.00 | $25.00 | 8/25/2009 5:38:02 PM |
| AndersenWatcher | $25.00 | $25.00 | 8/25/2009 5:39:04 PM |
| revthunder | $50.00 | $50.00 | 8/25/2009 6:47:22 PM |
| philipandc | $25.00 | $25.00 | 8/25/2009 6:57:36 PM |
| kanpur63 | $25.00 | $25.00 | 8/25/2009 8:22:30 PM |
| tsui517 | $25.00 | $25.00 | 8/25/2009 9:32:12 PM |
| Residuum | $25.00 | $25.00 | 8/25/2009 10:44:31 PM |
| Wart126 | $25.00 | $25.00 | 8/25/2009 5:39:03 PM |
| Nco | $25.00 | $25.00 | 8/25/2009 5:55:24 PM |
| OnyxLite | $25.00 | $25.00 | 8/26/2009 12:37:22 AM |
| d3global | $25.00 | $25.00 | 8/25/2009 5:13:24 PM |
| dan234 | $25.00 | $25.00 | 8/25/2009 6:57:25 PM |
| juiceman818 | $25.00 | $25.00 | 8/25/2009 7:57:50 PM |
| newfoundation | $25.00 | $25.00 | 8/26/2009 6:02:13 AM |
| Dean1 | $25.00 | $25.00 | 8/25/2009 9:52:20 PM |
| USMC0311 | $25.00 | $25.00 | 8/25/2009 10:43:11 PM |
| Spyder1 | $25.00 | $25.00 | 8/26/2009 12:29:42 AM |
| a-harmonious-deal | $25.00 | $25.00 | 8/26/2009 12:22:12 AM |
| slartibardfast | $30.00 | $30.00 | 8/26/2009 5:52:27 AM |
| member874 | $25.00 | $25.00 | 8/26/2009 6:02:17 AM |
| szetowski | $25.00 | $5.29 | 8/26/2009 6:42:27 AM |
| Shanester | $25.00 | $25.00 | 8/26/2009 6:43:35 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/27/2009 5:14:39 PM |
| manfromMaine | $50.00 | $50.00 | 8/27/2009 9:21:10 PM |
| festivecpl | $25.00 | $25.00 | 8/28/2009 6:26:09 AM |
| khamen | $25.00 | $25.00 | 8/28/2009 2:20:40 AM |
| Tulalue | $50.00 | $50.00 | 8/28/2009 7:07:19 AM |
| looch350 | $25.00 | $25.00 | 8/28/2009 9:31:52 AM |
| julijask | $25.00 | $25.00 | 8/28/2009 10:22:12 PM |
| Pu239 | $25.00 | $25.00 | 8/28/2009 8:45:00 PM |
| UKJase | $25.00 | $25.00 | 8/29/2009 9:03:26 AM |
| Ray3486 | $25.00 | $25.00 | 8/30/2009 12:50:55 PM |
| Money2Lend_U | $450.00 | $450.00 | 8/31/2009 3:51:51 PM |
| 198 bids
|
Borrower Payment Dependent Notes Series
420894
This series of Notes was issued and sold upon the funding of the borrower loan #38387, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-18-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 8.13% |
Starting borrower rate/APR:
| 9.13% / 12.67% |
Starting monthly payment:
| $31.86 |
|
Final lender yield:
| 4.50% |
Final borrower rate/APR:
| 5.50% / 8.97% |
Final monthly payment:
| $30.20 |
| |
|
Auction yield range:
| 3.18% - 8.13% |
Estimated loss impact:
| 0.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.91% | | |
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:
| Jan-2001 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 800-820 (Aug-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $22,127 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 28% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| OoM |
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 / 2 |
On-time:
| 8 ( 100% )
| 800-820 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 820-840
(Dec-2007)
820-840
(Jun-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
To Reinvest into prosper
I would like to take this money and reinvest into Prosper.?I like to borrow for low and lend it for higher rate.?i am working in software industry. Thank you for looking.
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) |
|
| bankar | $25.00 | $25.00 | 8/31/2009 10:56:17 AM |
| hilsoon | $25.00 | $25.00 | 8/31/2009 4:37:59 PM |
| GoBusinessGuy | $80.95 | $80.95 | 8/31/2009 9:49:32 PM |
| justin323 | $25.00 | $25.00 | 8/31/2009 5:22:31 PM |
| kf88 | $60.00 | $60.00 | 9/1/2009 10:42:22 AM |
| calm-p2ploan | $100.00 | $100.00 | 9/1/2009 4:10:11 PM |
| calm-p2ploan | $500.00 | $309.05 | 9/1/2009 4:07:38 PM |
| HealthAndSafety | $100.00 | $100.00 | 8/22/2009 6:45:07 AM |
| payontime1 | $50.00 | $50.00 | 8/22/2009 10:30:43 PM |
| Aristocrat | $25.00 | $25.00 | 8/31/2009 4:27:25 PM |
| dproxima | $25.00 | $25.00 | 8/31/2009 4:54:31 PM |
| EmeritusX | $25.00 | $25.00 | 8/31/2009 4:55:28 PM |
| MSTCOURTJESTER | $50.00 | $50.00 | 8/31/2009 5:16:57 PM |
| Mack_Inv | $25.00 | $25.00 | 9/1/2009 10:38:33 AM |
| mchoops21 | $25.00 | $25.00 | 9/1/2009 8:14:02 AM |
| UCSBGAUCHOS | $25.00 | $25.00 | 9/1/2009 4:09:27 PM |
| FundMaker | $25.00 | $25.00 | 9/1/2009 4:09:43 PM |
| 17 bids
|
Borrower Payment Dependent Notes Series
420992
This series of Notes was issued and sold upon the funding of the borrower loan #38402, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,300.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 26.43% |
Starting borrower rate/APR:
| 27.43% / 29.77% |
Starting monthly payment:
| $176.54 |
|
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $174.17 |
| |
|
Auction yield range:
| 11.18% - 26.43% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.77% | | |
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:
| 6 |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 700-720 (Aug-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Retired |
|
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 6y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,413 | Stated income: | $25,000-$49,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 83% | |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| thankful-money |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
High interest credit card pay off
Purpose of loan:
This loan will be used to pay off credit cards with outrageous interest rates.?
I am an excellent candidate for this loan because I am and always have been a trustworthy and reliable person.? I never miss payments and never pay late.?
I am disappointed with the outstanding balances on these cards and need to get them paid down so I can sleep at night.?
My financial situation:
I am retired and buying my own home.? My?daughter lives with me and contributes to the household expenses.? My car will be paid off in?
January 2010.? Other than these stupid cards I have no other outstanding debts.? I am use to paying off?the balance on these cards every month and have gotten behind.? I need this loan to regroup and get a handle on things so I can sleep at night.
Monthly net income: $
Pension Amount $1401.13 and Social Security $1274?
Monthly expenses: $
??Housing: $ 567 includes insurance
??Insurance: $?supplemental health $140 per month
??Car expenses: $ 240 per month Insurance $70 per month
??Utilities: $ 150 per month
??Phone, cable, internet: $ 80 per month
??Food, entertainment: $?100 per month
??Clothing, household expenses $?50 per month
??Credit cards and other loans: $?150 per?month
??Other expenses: $ 0
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:
What is the current balance, interest rate and monthly payment amount of cc debt that you will be eliminating? - karmanxten
A:
I originally wanted to borrow $6,000 to pay off a balance on card for $4200 with interest rate of 25% and pay off my car, which would have made me able to make a sizeable payment on this loan to get it payed off early. This site labeled me high risk for that amount so I lowered it. If I was to get the loan now I would pay off my car and apply the rest to this credit card. This would still allow me to make high payments to pay off early.
(Aug-25-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Mantis75 | $25.00 | $25.00 | 8/17/2009 4:09:35 PM |
| secobarbital | $25.00 | $25.00 | 8/17/2009 4:09:24 PM |
| darylc | $35.00 | $35.00 | 8/17/2009 7:35:42 PM |
| foothillender | $25.00 | $25.00 | 8/18/2009 6:40:58 AM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:39:26 AM |
| seisen | $26.54 | $26.54 | 8/19/2009 5:12:36 AM |
| GMPK_TLAS | $25.00 | $25.00 | 8/22/2009 8:27:58 AM |
| ChrisTJ | $25.00 | $25.00 | 8/24/2009 10:04:42 AM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 10:24:27 AM |
| anton | $25.00 | $25.00 | 8/24/2009 10:06:09 AM |
| SNH | $25.00 | $25.00 | 8/24/2009 10:22:54 AM |
| bkmrkr | $100.54 | $100.54 | 8/24/2009 12:18:52 PM |
| fortytwo | $25.00 | $25.00 | 8/25/2009 7:33:50 AM |
| biobulator | $25.00 | $25.00 | 8/25/2009 4:07:17 PM |
| impasse1 | $25.00 | $25.00 | 8/25/2009 6:53:15 PM |
| mercuriant | $25.00 | $25.00 | 8/26/2009 11:34:46 PM |
| vmh20035 | $58.56 | $58.56 | 8/27/2009 5:14:07 PM |
| karmanxten | $300.00 | $300.00 | 8/28/2009 2:47:11 AM |
| fireferd | $100.00 | $100.00 | 8/27/2009 8:56:29 PM |
| buffalobills | $25.00 | $25.00 | 8/28/2009 9:16:10 AM |
| Galdis | $25.00 | $25.00 | 8/28/2009 7:38:36 PM |
| sflender1099 | $25.00 | $25.00 | 8/28/2009 5:46:33 PM |
| gm93001 | $100.00 | $100.00 | 8/28/2009 11:04:47 PM |
| BONSAY | $25.00 | $25.00 | 8/29/2009 4:00:09 PM |
| miim | $50.00 | $50.00 | 8/30/2009 7:49:30 AM |
| E-B | $50.00 | $50.00 | 8/30/2009 5:14:35 PM |
| CoolPlexer | $25.00 | $25.00 | 8/30/2009 6:10:06 PM |
| RoguishHound | $110.74 | $110.74 | 8/30/2009 10:20:55 AM |
| Gaelicman | $125.00 | $125.00 | 8/30/2009 12:01:05 PM |
| asian808 | $25.00 | $25.00 | 8/31/2009 4:40:49 AM |
| Bobusa | $25.00 | $25.00 | 8/31/2009 5:17:50 AM |
| yoshibo | $200.00 | $200.00 | 8/30/2009 10:58:11 PM |
| wellsfrugal | $25.00 | $25.00 | 8/31/2009 1:51:29 AM |
| sharp518 | $25.00 | $25.00 | 8/31/2009 5:04:44 AM |
| unbeatable-wealth | $25.00 | $25.00 | 8/30/2009 9:24:25 PM |
| carmat60 | $25.00 | $25.00 | 8/30/2009 9:54:50 PM |
| Pintu_Desai | $25.00 | $25.00 | 8/31/2009 10:33:02 AM |
| hektek22 | $300.00 | $300.00 | 8/31/2009 12:12:28 PM |
| Bikerider | $30.00 | $30.00 | 8/31/2009 4:04:04 PM |
| thedreamer | $25.00 | $25.00 | 8/17/2009 4:09:43 PM |
| delivery | $25.00 | $25.00 | 8/17/2009 4:10:18 PM |
| Kaj | $25.00 | $25.00 | 8/19/2009 7:48:50 AM |
| MoNeYMaN5 | $50.00 | $50.00 | 8/20/2009 5:39:15 AM |
| Sateesh | $100.00 | $100.00 | 8/23/2009 7:27:46 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/23/2009 7:07:25 PM |
| JohnSmallberries | $25.00 | $25.00 | 8/24/2009 5:22:29 AM |
| willingnjc | $25.00 | $25.00 | 8/24/2009 10:06:25 AM |
| FeedTheMachine | $150.00 | $150.00 | 8/24/2009 10:06:15 AM |
| lagnisiruk | $25.00 | $25.00 | 8/24/2009 10:12:27 AM |
| kmavm | $25.00 | $25.00 | 8/24/2009 2:27:35 PM |
| impressive-loan | $25.00 | $25.00 | 8/24/2009 3:22:43 PM |
| punctual-worth | $25.00 | $25.00 | 8/25/2009 9:33:18 AM |
| jgar_O | $25.00 | $25.00 | 8/26/2009 8:00:41 AM |
| danza | $50.00 | $50.00 | 8/26/2009 9:15:56 AM |
| testobsessed | $100.00 | $90.70 | 8/26/2009 9:53:15 AM |
| riverflow | $112.92 | $112.92 | 8/26/2009 6:27:16 PM |
| dinero-mason | $125.00 | $125.00 | 8/27/2009 6:04:52 AM |
| ANJALY | $100.00 | $100.00 | 8/27/2009 5:58:09 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/27/2009 7:53:01 AM |
| debtcollector | $100.00 | $100.00 | 8/27/2009 3:39:59 PM |
| unk1911 | $25.00 | $25.00 | 8/28/2009 10:18:03 AM |
| Goodnotlucky | $100.00 | $100.00 | 8/28/2009 12:37:56 PM |
| JDFuego | $25.00 | $25.00 | 8/28/2009 11:31:18 AM |
| investment-cluster | $25.00 | $25.00 | 8/28/2009 4:31:01 PM |
| roguewinner | $25.00 | $25.00 | 8/28/2009 6:44:09 PM |
| ErikB | $25.00 | $25.00 | 8/28/2009 6:53:55 PM |
| photo999 | $25.00 | $25.00 | 8/29/2009 12:29:06 PM |
| bartenderpro | $50.00 | $50.00 | 8/29/2009 1:45:11 PM |
| shellstar | $25.00 | $25.00 | 8/30/2009 2:00:37 PM |
| cpaphoto | $25.00 | $25.00 | 8/30/2009 9:47:26 AM |
| tcbmc | $50.00 | $50.00 | 8/31/2009 8:03:52 AM |
| lendme2 | $100.00 | $100.00 | 8/31/2009 7:07:36 AM |
| daekpon | $25.00 | $25.00 | 8/31/2009 9:04:55 AM |
| Leshan | $50.00 | $50.00 | 8/31/2009 7:45:24 AM |
| autumn_leaves | $25.00 | $25.00 | 8/31/2009 11:03:50 AM |
| Cashlender1992 | $25.00 | $25.00 | 8/31/2009 1:25:09 PM |
| jakestone4 | $50.00 | $50.00 | 8/31/2009 10:31:53 AM |
| UC3307 | $60.00 | $60.00 | 8/31/2009 11:40:14 AM |
| Miklot | $100.00 | $100.00 | 8/31/2009 2:02:18 PM |
| courageous-contract | $25.00 | $25.00 | 8/31/2009 3:22:22 PM |
| JBG | $50.00 | $50.00 | 8/31/2009 4:05:44 PM |
| 81 bids
|
Borrower Payment Dependent Notes Series
421304
This series of Notes was issued and sold upon the funding of the borrower loan #38411, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,190.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-19-2009 |
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction end date:
| Sep-02-2009 |
|
|
Starting lender yield:
| 26.07% |
Starting borrower rate/APR:
| 27.07% / 30.37% |
Starting monthly payment:
| $48.63 |
|
Final lender yield:
| 19.88% |
Final borrower rate/APR:
| 20.88% / 24.06% |
Final monthly payment:
| $44.76 |
| |
|
Auction yield range:
| 8.18% - 26.07% |
Estimated loss impact:
| 8.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.42% | | |
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:
| Oct-1986 |
Debt/Income ratio:
| 47% |
|
Credit score:
| 700-720 (Aug-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 16y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,903 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 96% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| awsome-deal |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
GOING TO DOLLYWOOD
Purpose of loan:
This loan will be used to? THIS LOAN WILL BE USED TO GO TO DOLLYWOOD FOR A VERY DESERVED VACATION
My financial situation:
I am a good candidate for this loan because? WE TAKE OUR FINANCES VERY SERIOUSLY. WE HAVE BEEN EMPLOYED WITH THE SAME COMPANY FOR 16YRS AND 2 MONTHS. THANK YOU FOR YOUR 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
Q:
Where exactly is Dollywood? - JCPlending
A:
DOLLYWOOD IS IN PIGEON FORGE TENNESSEE. IT IS RIGHT BY THE GREAT SMOKEY MOUNTAIN NATIONAL PARK.
(Aug-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IPG1 | $50.00 | $50.00 | 8/20/2009 7:17:48 AM |
| Unitas4302 | $100.00 | $100.00 | 8/23/2009 11:35:25 AM |
| Aaron_Oz | $25.00 | $25.00 | 8/31/2009 7:55:00 PM |
| JauaFlash | $26.96 | $26.96 | 9/1/2009 5:00:32 PM |
| gothampark | $25.00 | $25.00 | 9/1/2009 8:31:49 PM |
| nduli | $51.58 | $51.58 | 9/2/2009 1:19:08 PM |
| yu-rik | $50.00 | $50.00 | 9/2/2009 1:56:46 PM |
| KaChingInvestments | $25.00 | $25.00 | 9/2/2009 2:07:11 PM |
| awe-inspiring-basis | $25.00 | $25.00 | 9/2/2009 4:10:56 PM |
| urinspirasian | $30.00 | $30.00 | 9/2/2009 3:38:17 PM |
| JobLowe | $25.00 | $25.00 | 9/2/2009 4:06:58 PM |
| Madron | $50.00 | $50.00 | 8/22/2009 2:58:13 AM |
| Bank_Of_XL | $50.00 | $50.00 | 8/23/2009 7:59:34 AM |
| m60gpmg | $45.00 | $45.00 | 9/1/2009 6:52:23 AM |
| carrinel | $55.00 | $55.00 | 9/1/2009 4:25:18 PM |
| myser59 | $25.00 | $25.00 | 9/1/2009 4:31:14 PM |
| sdkevin | $25.00 | $25.00 | 9/1/2009 8:09:46 PM |
| zapquoc | $25.00 | $25.00 | 9/2/2009 9:21:25 AM |
| Bobusa | $25.00 | $25.00 | 9/2/2009 4:53:33 AM |
| money-expert | $25.00 | $25.00 | 9/2/2009 6:16:34 AM |
| unger | $120.69 | $120.69 | 9/2/2009 1:02:13 PM |
| mhombre | $50.00 | $50.00 | 9/2/2009 1:16:41 PM |
| miim | $50.00 | $50.00 | 9/2/2009 2:19:17 PM |
| mckhbnpc | $25.00 | $25.00 | 9/2/2009 2:36:11 PM |
| kinetic-social | $25.00 | $2.52 | 9/2/2009 3:26:35 PM |
| maga | $25.00 | $25.00 | 9/2/2009 12:16:55 PM |
| Rule62 | $25.00 | $25.00 | 9/2/2009 2:26:42 PM |
| jimmya | $33.25 | $33.25 | 9/2/2009 4:12:48 PM |
| EretzCapital | $100.00 | $100.00 | 9/2/2009 4:20:22 PM |
| 29 bids
|
Borrower Payment Dependent Notes Series
421622
This series of Notes was issued and sold upon the funding of the borrower loan #38396, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| B |
Auction start date:
| Aug-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Aug-27-2009 |
|
|
Starting lender yield:
| 15.03% |
Starting borrower rate/APR:
| 16.03% / 18.21% |
Starting monthly payment:
| $123.10 |
|
Final lender yield:
| 14.00% |
Final borrower rate/APR:
| 15.00% / 17.17% |
Final monthly payment:
| $121.33 |
| |
|
Auction yield range:
| 6.18% - 15.03% |
Estimated loss impact:
| 5.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.76% | | |
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:
| Nov-1993 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 8
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,945 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 49% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| widget6 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off last credit cards
Purpose of loan:
This loan will be used to consolidate two high interest credit cards. I aquired this debt to make much needed household repairs while my husband was deployed in Iraq.
My financial situation:
I am a good candidate for this loan because I have always paid my loans and credit cards on time. Most importantly, I have never defaulted. I have every intention to pay back this loan.
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) |
|
| Weaverville | $75.00 | $75.00 | 8/24/2009 3:57:31 PM |
| gilbow | $25.00 | $25.00 | 8/24/2009 3:57:53 PM |
| best-platinum-persimmon | $25.00 | $25.00 | 8/24/2009 4:00:13 PM |
| honorable-yield | $25.00 | $25.00 | 8/24/2009 4:10:11 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/24/2009 4:10:16 PM |
| mpactlender | $25.00 | $25.00 | 8/24/2009 4:10:18 PM |
| Sam65 | $25.00 | $25.00 | 8/24/2009 4:11:27 PM |
| cyberie21 | $40.00 | $40.00 | 8/24/2009 4:11:43 PM |
| personal-lender | $25.00 | $25.00 | 8/24/2009 4:12:04 PM |
| crazycool | $35.00 | $35.00 | 8/24/2009 4:12:41 PM |
| GMPK_TLAS | $45.00 | $45.00 | 8/24/2009 4:13:01 PM |
| puifais | $25.00 | $25.00 | 8/24/2009 3:58:20 PM |
| fireboss | $100.00 | $100.00 | 8/24/2009 3:59:47 PM |
| Credit2Prosper | $50.00 | $50.00 | 8/24/2009 4:15:00 PM |
| irrelevant | $25.00 | $25.00 | 8/24/2009 3:59:49 PM |
| scottr | $25.00 | $25.00 | 8/24/2009 4:03:10 PM |
| bigdogsafety1 | $25.00 | $25.00 | 8/24/2009 4:03:21 PM |
| fostaman | $25.00 | $25.00 | 8/24/2009 3:58:31 PM |
| thevogelfamily | $25.00 | $25.00 | 8/24/2009 3:58:39 PM |
| bnlforever | $25.00 | $25.00 | 8/24/2009 4:09:59 PM |
| head | $25.00 | $25.00 | 8/24/2009 3:59:41 PM |
| herbyman | $25.00 | $25.00 | 8/24/2009 4:10:36 PM |
| dimitrip1024 | $25.00 | $25.00 | 8/24/2009 4:10:59 PM |
| SNH | $25.00 | $25.00 | 8/24/2009 4:11:32 PM |
| mathprof | $25.00 | $25.00 | 8/24/2009 4:11:48 PM |
| unclejaef | $25.00 | $25.00 | 8/24/2009 4:11:56 PM |
| fizwahh | $30.00 | $30.00 | 8/24/2009 4:12:31 PM |
| jetblack | $50.00 | $50.00 | 8/24/2009 4:14:56 PM |
| WolRab | $25.00 | $25.00 | 8/24/2009 4:08:31 PM |
| Frenchynh | $25.00 | $25.00 | 8/24/2009 4:09:43 PM |
| wampum-proton | $25.00 | $25.00 | 8/24/2009 4:10:04 PM |
| AnxiousAirman | $25.00 | $25.00 | 8/24/2009 4:10:23 PM |
| pure-deal6 | $25.00 | $25.00 | 8/24/2009 4:10:25 PM |
| FG9YTR | $50.00 | $50.00 | 8/24/2009 8:16:41 PM |
| mikeandcat | $50.00 | $50.00 | 8/24/2009 4:10:42 PM |
| elated-justice | $25.00 | $25.00 | 8/24/2009 4:10:55 PM |
| JohnW12 | $25.00 | $25.00 | 8/24/2009 4:11:04 PM |
| Artist_Blue | $25.00 | $25.00 | 8/24/2009 4:11:52 PM |
| GElender | $50.00 | $50.00 | 8/24/2009 4:12:02 PM |
| red-sublime-return | $25.00 | $25.00 | 8/24/2009 4:12:24 PM |
| Aquani | $50.00 | $50.00 | 8/24/2009 4:13:10 PM |
| zeelender | $25.00 | $25.00 | 8/24/2009 4:13:14 PM |
| liederhaus | $50.00 | $50.00 | 8/24/2009 6:17:59 PM |
| Mission1 | $25.00 | $25.00 | 8/25/2009 8:54:56 AM |
| chicago1228 | $50.00 | $50.00 | 8/25/2009 1:36:44 PM |
| Dskillz | $30.00 | $30.00 | 8/25/2009 6:23:21 PM |
| lendme2 | $100.00 | $100.00 | 8/26/2009 6:19:31 AM |
| haryassman | $25.00 | $25.00 | 8/26/2009 11:18:28 AM |
| nbhz60a | $25.00 | $25.00 | 8/26/2009 7:18:46 PM |
| calm-p2ploan | $25.00 | $25.00 | 8/26/2009 11:38:11 PM |
| kazanov | $25.00 | $25.00 | 8/24/2009 3:58:25 PM |
| sentry256 | $25.00 | $25.00 | 8/24/2009 4:00:16 PM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 4:00:32 PM |
| Josilot | $25.00 | $25.00 | 8/24/2009 4:00:53 PM |
| atllender | $25.00 | $25.00 | 8/24/2009 4:03:37 PM |
| Syzygy | $25.00 | $25.00 | 8/24/2009 4:10:09 PM |
| CarDealer3070 | $25.00 | $25.00 | 8/24/2009 4:10:20 PM |
| hc90474 | $25.00 | $25.00 | 8/24/2009 4:10:30 PM |
| mtp | $50.00 | $50.00 | 8/24/2009 4:11:09 PM |
| decisive-capital | $50.00 | $50.00 | 8/24/2009 4:12:27 PM |
| mmckune | $25.00 | $25.00 | 8/24/2009 3:57:38 PM |
| 02bob | $25.00 | $25.00 | 8/24/2009 4:12:35 PM |
| don8ter | $25.00 | $25.00 | 8/24/2009 4:12:51 PM |
| Ananya | $25.00 | $25.00 | 8/24/2009 3:57:56 PM |
| keeks | $25.00 | $25.00 | 8/24/2009 4:13:04 PM |
| mason13a | $25.00 | $25.00 | 8/24/2009 3:58:05 PM |
| TOCPI | $25.00 | $25.00 | 8/24/2009 3:58:12 PM |
| educationfirst | $25.00 | $25.00 | 8/24/2009 4:00:03 PM |
| minista | $25.00 | $25.00 | 8/24/2009 4:18:21 PM |
| DrStaff | $60.00 | $60.00 | 8/24/2009 3:57:29 PM |
| jeg3k | $25.00 | $25.00 | 8/24/2009 4:09:50 PM |
| amsocool | $25.00 | $25.00 | 8/24/2009 4:09:58 PM |
| iolaire | $25.00 | $25.00 | 8/24/2009 4:10:47 PM |
| grf1945 | $25.00 | $25.00 | 8/24/2009 4:00:20 PM |
| rmachi | $25.00 | $25.00 | 8/24/2009 4:11:59 PM |
| Elbanko | $25.00 | $25.00 | 8/24/2009 4:12:09 PM |
| hopethisworks | $50.00 | $46.55 | 8/24/2009 4:13:17 PM |
| jgar_O | $25.00 | $25.00 | 8/24/2009 4:03:02 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/24/2009 4:03:13 PM |
| skuba | $25.00 | $25.00 | 8/24/2009 4:08:41 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/24/2009 4:09:38 PM |
| Kaj | $25.00 | $25.00 | 8/24/2009 4:09:49 PM |
| theQuietLender | $25.00 | $25.00 | 8/24/2009 4:09:55 PM |
| r1g3l | $25.00 | $25.00 | 8/24/2009 4:10:02 PM |
| chlebie | $50.00 | $50.00 | 8/24/2009 4:10:33 PM |
| ianakacg | $25.00 | $25.00 | 8/24/2009 4:10:39 PM |
| goingplaces99 | $25.00 | $25.00 | 8/24/2009 4:10:51 PM |
| anton | $25.00 | $25.00 | 8/24/2009 4:11:37 PM |
| thedreamer | $25.00 | $25.00 | 8/24/2009 4:12:17 PM |
| money-shaker | $25.00 | $25.00 | 8/24/2009 4:12:22 PM |
| 888168 | $25.00 | $25.00 | 8/24/2009 4:12:28 PM |
| Champpilot | $50.00 | $50.00 | 8/24/2009 4:12:57 PM |
| coin-lender77 | $50.00 | $50.00 | 8/25/2009 8:09:26 AM |
| interstellar | $50.00 | $50.00 | 8/25/2009 7:34:16 AM |
| GODSWORDONIT | $25.00 | $25.00 | 8/25/2009 9:08:49 AM |
| nimcha | $50.00 | $50.00 | 8/25/2009 12:22:57 PM |
| buukyak | $25.00 | $25.00 | 8/25/2009 7:34:22 PM |
| tfarms | $50.00 | $50.00 | 8/25/2009 4:36:37 PM |
| ShermanSteve | $25.00 | $25.00 | 8/25/2009 7:54:00 PM |
| loanman2007 | $50.00 | $50.00 | 8/26/2009 7:34:20 AM |
| auddoc | $63.45 | $63.45 | 8/25/2009 10:16:31 PM |
| aganippe | $25.00 | $25.00 | 8/25/2009 10:57:30 PM |
| PotBellyPete | $25.00 | $25.00 | 8/26/2009 7:15:32 AM |
| fischer70 | $75.00 | $75.00 | 8/26/2009 2:58:08 PM |
| Gambino | $50.00 | $50.00 | 8/26/2009 1:44:38 PM |
| lending-bear | $25.00 | $25.00 | 8/26/2009 3:30:20 PM |
| 106 bids
|
Borrower Payment Dependent Notes Series
421664
This series of Notes was issued and sold upon the funding of the borrower loan #38405, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction start date:
| Aug-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction end date:
| Aug-29-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.73% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 14.18% - 34.00% |
Estimated loss impact:
| 15.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
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:
| 6 |
First credit line:
| Aug-1985 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 26
/
25 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 72 | Length of status: | 18y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,414 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 92% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 6 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| wise-indomitable-responsibility |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Teacher - needs help this August
Purpose of loan:
This loan will be used to? Pay my September mortgage, taxes, and home owners association fees.
My financial situation:
I am a good candidate for this loan because? I have been working at my current job for the past 19 years. It will actually be 20 years in October. I am a teacher and we do not receive a check in the summer so it is up to us to budget for the summer months.I thought I had budgeted enough and ?I did also work summer school to make some additional money; however, had some expensive and unexpected expenses arise this summer that drained my summer savings. My regular paychecks will begin again in September; however, not until September 4, 2009 and it will only be a 4 day check. That is why things are difficult now. However, after September 4, 2009 I will have my regular guaranteed check every two weeks. I also start back up at my second job on September 11, 2009. Although my credit may not be the best, all of the negative reports are from the past (years ago) and I am now spending my time educating myself about credit and repairing my credit so I am super conscientious about paying all my bills on time. I actually heard about this site while researching consumer credit issues on MyFico.com. I would really appreciate the loan and I promise that I would pay it back in full and on time.
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 96.00
??Car expenses: $ 0.00
??Utilities: $ 170.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $?400
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?700
??Other expenses: $ 800 - per month. I have to put away for the summer because as a teacher we do not get paid for 5 pay periods during the summer. My district does not provide this service, so I have to do it for myself.
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:
How long do you plan on keeping this loan? - justme4now
A:
Thanks for your question. I plan on paying it off in 12 months.
(Aug-25-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $200.00 | $200.00 | 8/24/2009 5:15:21 PM |
| Engineer44 | $25.00 | $25.00 | 8/25/2009 10:34:11 AM |
| davidrainboy | $38.89 | $38.89 | 8/25/2009 10:42:48 AM |
| buyrite334 | $30.26 | $30.26 | 8/25/2009 2:31:19 PM |
| MONEY_IN_THE_BANK | $25.00 | $25.00 | 8/25/2009 9:15:17 PM |
| xfbpl | $50.00 | $50.00 | 8/26/2009 3:35:16 PM |
| jeffe43 | $50.00 | $50.00 | 8/26/2009 9:52:14 PM |
| Kqwik | $46.50 | $46.50 | 8/27/2009 9:40:39 PM |
| EngineersAlliance | $25.00 | $25.00 | 8/28/2009 5:25:51 PM |
| justme4now | $25.00 | $25.00 | 8/28/2009 5:07:46 PM |
| element40 | $100.00 | $100.00 | 8/29/2009 1:06:02 PM |
| riveting-rate | $25.00 | $25.00 | 8/29/2009 11:04:42 AM |
| brother_tam | $50.00 | $50.00 | 8/24/2009 6:53:52 PM |
| periko | $50.00 | $50.00 | 8/24/2009 10:04:16 PM |
| EEasyMoney | $25.00 | $25.00 | 8/24/2009 10:27:24 PM |
| victor111 | $25.00 | $25.00 | 8/25/2009 6:30:30 AM |
| glof1967 | $100.00 | $100.00 | 8/26/2009 4:55:54 PM |
| aztocas | $25.00 | $25.00 | 8/27/2009 6:57:30 AM |
| BSr | $25.00 | $25.00 | 8/28/2009 4:28:38 AM |
| rate-farm3 | $200.00 | $200.00 | 8/28/2009 9:35:21 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/28/2009 12:16:47 PM |
| CMDCO | $50.00 | $50.00 | 8/28/2009 1:29:43 PM |
| festivecpl | $100.00 | $84.35 | 8/29/2009 5:34:38 AM |
| a275ranger | $125.00 | $125.00 | 8/28/2009 10:11:17 PM |
| festivecpl | $25.00 | $25.00 | 8/29/2009 5:33:19 AM |
| kingpin1 | $50.00 | $50.00 | 8/29/2009 2:18:33 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
420275
This series of Notes was issued and sold upon the funding of the borrower loan #38417, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-12-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-26-2009 |
|
|
Starting lender yield:
| 26.43% |
Starting borrower rate/APR:
| 27.43% / 29.77% |
Starting monthly payment:
| $82.11 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $75.35 |
| |
|
Auction yield range:
| 11.18% - 26.43% |
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:
| 7 |
First credit line:
| Dec-2003 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 4
/
2 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 5 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| ds5184 |
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:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(May-2009)
720-740
(Sep-2008)
|
|
Principal balance:
| $3,775.22 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Fix my truck and pay bills
Purpose of loan:
This loan will be used to put a new clutch in my truck and pay some bills.
My financial situation:
I am a good candidate for this loan because I am financially stable.? I have been working at the same job (different owners)?for over?6 years.? I will use this loan to pay some bills and fix my truck.
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 think your a great candidate to pledge / bid for!!... Can you briefly list payments on other car loans, personal loans, credit cards, mortgages, etc?..... Also, what are the monthly utilities, ins., living expenses, leases, etc. payments?.. THANKS! - SmartConsolidation
A:
Monthly Expenses
rent: 300
prosper loan: 160
auto loan: 215
phones: 170
utilities: 100-250
(Aug-16-2009)
Q:
Why the drop in your credit rating? - dasyjo
A:
That's a good question. I would like to find someone who can explain this to me. The only thing that has changed is that I cancelled my credit card.
(Aug-20-2009)
Q:
"The only thing that has changed is that I cancelled my credit card." That'll do it. You seem like a good candidate for a loan - no delinquincies or public records, nothing owed on credit cards. I'll bid as soon as my funds transfer completes. - tigercat
A:
Thanks.
(Aug-21-2009)
Q:
Humans this is an excellent investment, let's lend to this one! Oh, I've got a question, how fast do you plan on repaying this loan? PS: Please answer publicly. - hektek22
A:
I plan on paying it back over the three year period unless I happen to get a stroke of good fortune.
(Aug-21-2009)
Q:
Hi. You current Prosper loan has repayments of about $160 per month. Adding $81 per month for this new loan would be a 50% increase in repayments. How will this affect your ability to repay both loans?
Thanks - CA_Lender
A:
Things will be a bit tight, but I'll manage.
(Aug-25-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| mercuriant | $25.00 | $25.00 | 8/17/2009 7:20:51 PM |
| Credit2Prosper | $25.00 | $25.00 | 8/19/2009 5:57:39 PM |
| realtormoises | $25.00 | $25.00 | 8/22/2009 6:35:38 AM |
| hellasow | $25.00 | $25.00 | 8/22/2009 11:09:41 AM |
| stdrgj15 | $50.00 | $50.00 | 8/22/2009 8:57:42 PM |
| jslo722 | $25.00 | $25.00 | 8/23/2009 7:59:23 PM |
| Snoopylover | $25.00 | $25.00 | 8/24/2009 5:02:51 PM |
| hektek22 | $300.00 | $300.00 | 8/25/2009 8:42:19 AM |
| guardian3 | $25.00 | $25.00 | 8/25/2009 4:08:06 PM |
| auddoc | $50.00 | $50.00 | 8/25/2009 10:11:26 PM |
| Cashlender1992 | $25.00 | $25.00 | 8/26/2009 9:07:55 AM |
| johnsock | $83.02 | $83.02 | 8/26/2009 7:19:18 AM |
| lnrn | $54.42 | $54.42 | 8/26/2009 12:23:58 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/26/2009 3:57:47 PM |
| Miklot | $50.00 | $50.00 | 8/26/2009 1:22:51 PM |
| tigercat | $50.00 | $50.00 | 8/26/2009 3:59:43 PM |
| Feyenoord | $25.00 | $25.00 | 8/26/2009 2:59:30 PM |
| foothillender | $25.00 | $25.00 | 8/13/2009 6:35:17 AM |
| zxsport30 | $25.00 | $25.00 | 8/20/2009 1:01:21 AM |
| zxr | $25.00 | $25.00 | 8/21/2009 8:58:38 AM |
| mycollegecash | $25.00 | $25.00 | 8/21/2009 12:02:26 PM |
| r1g3l | $50.00 | $50.00 | 8/21/2009 5:15:14 PM |
| EngineersAlliance | $50.00 | $50.00 | 8/21/2009 6:47:13 PM |
| sportcraft18 | $25.00 | $25.00 | 8/21/2009 6:43:15 PM |
| Peacepower | $50.00 | $50.00 | 8/24/2009 5:50:05 AM |
| LarryNY | $25.00 | $25.00 | 8/24/2009 6:22:28 AM |
| Nicksr | $50.00 | $50.00 | 8/24/2009 9:57:31 AM |
| statenisland51 | $25.00 | $25.00 | 8/24/2009 5:28:56 PM |
| Lokinar | $29.69 | $29.69 | 8/24/2009 4:17:48 PM |
| mmrothsc | $50.00 | $50.00 | 8/24/2009 9:01:22 PM |
| marwadi-62 | $25.00 | $25.00 | 8/25/2009 2:28:14 PM |
| DMKAssetManagement | $25.00 | $25.00 | 8/25/2009 5:11:28 PM |
| sweety075 | $25.00 | $25.00 | 8/25/2009 5:00:08 PM |
| money-expert | $25.00 | $25.00 | 8/26/2009 5:16:12 AM |
| FarmersBank | $25.00 | $25.00 | 8/26/2009 6:26:16 AM |
| Bobusa | $25.00 | $25.00 | 8/26/2009 5:09:53 AM |
| Jinja | $25.00 | $25.00 | 8/26/2009 6:53:38 AM |
| maga | $25.00 | $25.00 | 8/26/2009 10:46:12 AM |
| mpatrick | $100.00 | $57.87 | 8/26/2009 11:09:41 AM |
| Leshan | $50.00 | $50.00 | 8/26/2009 11:17:53 AM |
| beans53 | $50.00 | $50.00 | 8/26/2009 11:23:10 AM |
| Ray3486 | $25.00 | $25.00 | 8/26/2009 2:33:50 PM |
| BuffetRocks | $150.00 | $150.00 | 8/26/2009 2:57:17 PM |
| DMKAssetManagement | $25.00 | $25.00 | 8/26/2009 3:07:42 PM |
| thomas16882004 | $100.00 | $100.00 | 8/26/2009 3:59:07 PM |
| 45 bids
|
Borrower Payment Dependent Notes Series
420353
This series of Notes was issued and sold upon the funding of the borrower loan #38371, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-12-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-26-2009 |
|
|
Starting lender yield:
| 11.38% |
Starting borrower rate/APR:
| 12.38% / 14.52% |
Starting monthly payment:
| $200.38 |
|
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $194.59 |
| |
|
Auction yield range:
| 4.18% - 11.38% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.22% | | |
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:
| Aug-1999 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 29y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $30,367 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 73% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| receptive-loan |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Newlywed consolidating credit cards
Purpose of loan:
This loan will be used to pay off and consolidate my credit cards.
My financial situation:
I am a good candidate for this loan because I have a steady job; I've been employed with the same organization since 2001 and I've been promoted 4 times. I recently paid off my car (320/month) and lowered my rent by $100. I'm currently paying $200 a month for the two credit cards I want to consolidate. I plan on using the combination of savings and current payment to pay for this loan - and finally get out of credit card debt and never go back! About a month ago, I posted a Prosper loan for 14k and I didn't get a competitive rate; since, I've consolidated my debt to a credit card with a 10% fixed apr; I have 6k on that card. I have 8k on a card with about a 22% apr. I'm hoping Prosper can give me a lower rate this time.
Monthly net income: $
I make 101k a year; so monthly it varies if I get paid 2 or 3 times.
Monthly expenses: $
??Housing: $
1000
??Insurance: $
120
??Car expenses: $
paid off
??Utilities: $
100
??Phone, cable, internet: $
100
??Food, entertainment: $
250
??Credit cards and other loans: $
350 (undergrad and grad school loans)
??Other expenses: $
80 transportation - NYC Subway
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) |
|
| elated-justice | $25.00 | $25.00 | 8/12/2009 4:05:19 PM |
| Syzygy | $25.00 | $25.00 | 8/12/2009 4:06:08 PM |
| 888168 | $50.00 | $50.00 | 8/12/2009 4:06:54 PM |
| mathprof | $25.00 | $25.00 | 8/12/2009 4:07:00 PM |
| lagnisiruk | $25.00 | $25.00 | 8/12/2009 4:07:46 PM |
| abuyama22 | $25.00 | $25.00 | 8/12/2009 4:06:52 PM |
| skuba | $50.00 | $50.00 | 8/12/2009 4:07:01 PM |
| DukSerduk | $25.00 | $25.00 | 8/12/2009 4:06:49 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/12/2009 4:07:10 PM |
| TK4 | $25.00 | $25.00 | 8/12/2009 4:07:45 PM |
| don8ter | $60.00 | $60.00 | 8/12/2009 4:08:23 PM |
| zento | $25.00 | $25.00 | 8/12/2009 4:08:43 PM |
| income-excellence1 | $25.00 | $25.00 | 8/13/2009 7:56:30 AM |
| Moron_Buffet | $25.00 | $25.00 | 8/13/2009 10:06:04 AM |
| market-assembler | $25.00 | $25.00 | 8/13/2009 2:07:23 PM |
| r1g3l | $25.00 | $25.00 | 8/13/2009 2:40:42 PM |
| fortytwo | $27.89 | $27.89 | 8/14/2009 8:49:49 AM |
| honorable-yield | $50.00 | $50.00 | 8/14/2009 11:01:01 AM |
| sparky1129 | $25.00 | $25.00 | 8/15/2009 1:05:39 AM |
| tallcoolone | $25.00 | $25.00 | 8/17/2009 10:28:34 AM |
| anton | $25.00 | $25.00 | 8/17/2009 10:26:53 AM |
| DrStaff | $48.74 | $48.74 | 8/17/2009 10:58:43 AM |
| Sam65 | $25.00 | $25.00 | 8/17/2009 12:32:04 PM |
| dlshap | $25.00 | $25.00 | 8/17/2009 2:30:50 PM |
| Goodlender42 | $25.00 | $25.00 | 8/17/2009 5:10:59 PM |
| d3global | $25.00 | $25.00 | 8/17/2009 6:32:11 PM |
| jct_enterprises | $25.00 | $25.00 | 8/17/2009 10:25:33 PM |
| cowboyskier | $50.00 | $50.00 | 8/17/2009 11:08:37 PM |
| midifool | $25.00 | $25.00 | 8/20/2009 4:32:56 PM |
| rockymtbob | $50.00 | $50.00 | 8/21/2009 5:34:45 PM |
| PrinceValium | $25.00 | $25.00 | 8/22/2009 6:26:12 PM |
| elloboverde | $50.00 | $50.00 | 8/24/2009 10:39:17 PM |
| yogi1975 | $25.00 | $25.00 | 8/24/2009 4:22:06 PM |
| power-expert | $25.00 | $25.00 | 8/24/2009 7:27:23 PM |
| Russia5M | $25.00 | $25.00 | 8/25/2009 5:23:54 AM |
| OoM | $25.00 | $25.00 | 8/24/2009 11:28:34 PM |
| bossyboots01 | $50.00 | $50.00 | 8/25/2009 4:34:40 AM |
| kulender | $100.00 | $100.00 | 8/25/2009 8:25:54 AM |
| ryan6853 | $25.00 | $25.00 | 8/25/2009 9:11:56 AM |
| kermitdafrog | $25.00 | $25.00 | 8/25/2009 11:29:55 AM |
| techreseller | $50.00 | $50.00 | 8/25/2009 1:35:25 PM |
| paulsar71495 | $25.00 | $25.00 | 8/25/2009 4:33:43 PM |
| jpjazzman | $25.00 | $25.00 | 8/25/2009 7:35:35 PM |
| us957165 | $25.00 | $25.00 | 8/25/2009 8:18:41 PM |
| ideal-value | $100.00 | $100.00 | 8/25/2009 10:37:57 PM |
| sharp-credit | $50.00 | $50.00 | 8/25/2009 5:10:27 PM |
| e3oM | $50.00 | $50.00 | 8/25/2009 5:47:19 PM |
| deepblue34 | $35.00 | $35.00 | 8/25/2009 6:46:00 PM |
| simms2k | $25.00 | $25.00 | 8/25/2009 6:56:07 PM |
| buukyak | $25.00 | $25.00 | 8/25/2009 7:26:26 PM |
| jpjazzman | $25.00 | $25.00 | 8/25/2009 7:35:28 PM |
| fr0gpil0t | $25.00 | $25.00 | 8/25/2009 8:03:24 PM |
| -------LoansOnline | $50.00 | $50.00 | 8/26/2009 6:56:51 AM |
| KingCroesus | $25.00 | $25.00 | 8/25/2009 11:18:14 PM |
| msu04303 | $25.00 | $25.00 | 8/26/2009 8:09:32 AM |
| Earn_money | $25.00 | $25.00 | 8/26/2009 9:40:53 AM |
| crazyinjun | $57.69 | $57.69 | 8/26/2009 6:53:15 AM |
| vikings23 | $50.00 | $50.00 | 8/26/2009 6:59:08 AM |
| loanman2007 | $25.00 | $25.00 | 8/26/2009 7:11:37 AM |
| congardner1 | $25.00 | $25.00 | 8/26/2009 7:43:38 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/26/2009 11:11:39 AM |
| truth-candy | $25.00 | $25.00 | 8/26/2009 12:04:26 PM |
| Jynxie | $39.61 | $39.61 | 8/26/2009 12:52:17 PM |
| SanJoser | $100.00 | $100.00 | 8/26/2009 9:17:01 AM |
| ethicalhumanist | $50.00 | $50.00 | 8/26/2009 9:53:35 AM |
| dav1d | $25.00 | $25.00 | 8/26/2009 10:07:00 AM |
| zax75 | $50.00 | $50.00 | 8/26/2009 1:58:53 PM |
| maga | $250.00 | $250.00 | 8/26/2009 2:21:59 PM |
| MongoBongo | $25.17 | $25.17 | 8/26/2009 2:53:20 PM |
| CoolBreezeWarlord | $50.00 | $50.00 | 8/26/2009 12:13:52 PM |
| 113121 | $25.00 | $25.00 | 8/26/2009 12:08:52 PM |
| flshdaskll | $25.00 | $25.00 | 8/26/2009 1:17:50 PM |
| skaught | $50.00 | $50.00 | 8/26/2009 1:53:05 PM |
| jwstclair | $50.00 | $50.00 | 8/26/2009 1:55:51 PM |
| ekbangali | $50.00 | $50.00 | 8/26/2009 3:39:48 PM |
| Sid-K | $50.00 | $50.00 | 8/12/2009 4:06:40 PM |
| Artist_Blue | $25.00 | $25.00 | 8/12/2009 4:07:17 PM |
| thedoctor | $25.00 | $25.00 | 8/12/2009 4:08:40 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/12/2009 4:08:53 PM |
| sas19 | $25.00 | $25.00 | 8/12/2009 4:06:37 PM |
| bchen78875 | $50.00 | $50.00 | 8/12/2009 4:07:21 PM |
| Avala | $25.00 | $25.00 | 8/12/2009 4:06:44 PM |
| cyberie21 | $40.00 | $40.00 | 8/12/2009 4:06:57 PM |
| Finspons | $25.00 | $25.00 | 8/12/2009 10:31:22 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/14/2009 10:37:48 AM |
| kenyonhillbilly | $50.00 | $50.00 | 8/14/2009 2:46:44 PM |
| lowestghost | $25.00 | $25.00 | 8/14/2009 4:46:18 PM |
| ClearLake | $25.00 | $25.00 | 8/16/2009 4:10:50 PM |
| aesop | $25.00 | $25.00 | 8/17/2009 10:34:22 AM |
| rjleves | $25.00 | $25.00 | 8/17/2009 10:57:50 AM |
| Guerrilla_Man | $25.00 | $25.00 | 8/17/2009 1:15:55 PM |
| ekmendenhall | $25.00 | $25.00 | 8/17/2009 7:46:36 PM |
| seasportsguy | $25.00 | $25.00 | 8/17/2009 9:11:04 PM |
| willingnjc | $25.00 | $25.00 | 8/18/2009 7:02:07 AM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:32:23 AM |
| woodenshoes | $57.85 | $57.85 | 8/18/2009 1:51:36 PM |
| krishopper | $25.00 | $25.00 | 8/18/2009 3:58:39 PM |
| grf1945 | $25.00 | $25.00 | 8/18/2009 3:59:39 PM |
| truth-companion | $25.00 | $25.00 | 8/18/2009 4:20:39 PM |
| OLYVRC | $25.00 | $10.18 | 8/18/2009 4:21:48 PM |
| outofoffice | $50.00 | $50.00 | 8/18/2009 5:39:22 PM |
| Ananya | $25.00 | $25.00 | 8/21/2009 6:14:59 PM |
| jetblack | $50.00 | $50.00 | 8/23/2009 2:07:15 PM |
| mrxtravis | $88.19 | $88.19 | 8/23/2009 2:04:17 PM |
| Kelor99 | $25.00 | $25.00 | 8/23/2009 6:12:21 PM |
| rbotterbLLC | $25.00 | $25.00 | 8/24/2009 7:44:26 AM |
| raindawg | $50.00 | $50.00 | 8/24/2009 1:52:16 PM |
| Pendruce | $50.00 | $50.00 | 8/24/2009 5:06:27 PM |
| justin323 | $25.00 | $25.00 | 8/24/2009 5:50:47 PM |
| spiff666 | $25.00 | $25.00 | 8/24/2009 7:26:19 PM |
| deal-dojo | $25.00 | $25.00 | 8/25/2009 6:37:34 AM |
| JerryB96 | $25.00 | $25.00 | 8/24/2009 8:41:13 PM |
| kander80 | $25.00 | $25.00 | 8/25/2009 8:28:13 AM |
| order-rider | $50.00 | $50.00 | 8/25/2009 9:25:34 AM |
| SOP_Bank | $25.00 | $25.00 | 8/25/2009 10:23:09 AM |
| dman1024 | $25.00 | $25.00 | 8/25/2009 12:54:43 PM |
| RandyL3 | $25.00 | $25.00 | 8/25/2009 1:40:55 PM |
| chapman18 | $25.00 | $25.00 | 8/25/2009 6:59:59 PM |
| lth35 | $25.00 | $25.00 | 8/25/2009 8:53:02 PM |
| MoneyForNothing | $25.00 | $25.00 | 8/25/2009 11:22:34 PM |
| gothampark | $25.00 | $25.00 | 8/26/2009 12:46:17 AM |
| irishladslad | $25.00 | $25.00 | 8/25/2009 6:46:39 PM |
| verbal8 | $25.00 | $25.00 | 8/26/2009 4:43:09 AM |
| radiant-value | $25.00 | $25.00 | 8/25/2009 6:43:04 PM |
| macotra4 | $36.00 | $36.00 | 8/26/2009 5:38:31 AM |
| stevexs | $50.00 | $50.00 | 8/26/2009 6:00:06 AM |
| richmondcowboy | $50.00 | $50.00 | 8/26/2009 6:28:32 AM |
| urgeforknowledge | $50.00 | $50.00 | 8/25/2009 7:55:28 PM |
| mstudda1 | $25.00 | $25.00 | 8/26/2009 7:02:27 AM |
| the-profit-oracle | $25.00 | $25.00 | 8/25/2009 9:30:33 PM |
| greenback-octave | $25.00 | $25.00 | 8/25/2009 10:27:52 PM |
| marshallmanhattan | $25.00 | $25.00 | 8/26/2009 7:31:24 AM |
| StanTheMan | $25.00 | $25.00 | 8/25/2009 10:13:57 PM |
| bondhedger | $25.00 | $25.00 | 8/26/2009 8:19:04 AM |
| oldman68 | $25.00 | $25.00 | 8/26/2009 8:47:08 AM |
| haryassman | $25.00 | $25.00 | 8/26/2009 9:40:40 AM |
| UC3307 | $90.00 | $90.00 | 8/26/2009 11:06:08 AM |
| improvman | $25.00 | $25.00 | 8/26/2009 11:42:26 AM |
| texrob20 | $25.00 | $25.00 | 8/26/2009 8:41:13 AM |
| Apache6 | $25.00 | $25.00 | 8/26/2009 8:42:12 AM |
| sshs | $50.00 | $50.00 | 8/26/2009 9:35:19 AM |
| yu-rik | $50.00 | $50.00 | 8/26/2009 1:36:02 PM |
| mtb06 | $25.00 | $25.00 | 8/26/2009 10:32:53 AM |
| nurat | $34.52 | $34.52 | 8/26/2009 10:34:55 AM |
| schnarff | $25.00 | $25.00 | 8/26/2009 10:49:14 AM |
| GetLoan | $199.16 | $199.16 | 8/26/2009 10:49:16 AM |
| Mack_Inv | $25.00 | $25.00 | 8/26/2009 11:04:01 AM |
| Nicedad72 | $25.00 | $25.00 | 8/26/2009 3:03:36 PM |
| Keebs | $50.00 | $50.00 | 8/26/2009 11:49:47 AM |
| Snoopylover | $25.00 | $25.00 | 8/26/2009 1:14:15 PM |
| Rob717171 | $150.00 | $150.00 | 8/26/2009 2:47:57 PM |
| thomas16882004 | $300.00 | $300.00 | 8/26/2009 4:01:54 PM |
| LA-Funding-Bank | $50.00 | $50.00 | 8/26/2009 3:12:38 PM |
| lender73w | $25.00 | $25.00 | 8/26/2009 3:08:18 PM |
| 154 bids
|
Borrower Payment Dependent Notes Series
420581
This series of Notes was issued and sold upon the funding of the borrower loan #38368, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,300.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 11.52% |
Starting borrower rate/APR:
| 12.52% / 14.66% |
Starting monthly payment:
| $143.89 |
|
Final lender yield:
| 11.52% |
Final borrower rate/APR:
| 12.52% / 14.66% |
Final monthly payment:
| $143.89 |
| |
|
Auction yield range:
| 4.18% - 11.52% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.38% | | |
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:
| Jan-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 780-800 (Aug-2009) |
Current / open credit lines:
| 1
/
1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 3 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $23,065 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 16% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| trustworthy-gold |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Preparing for the Holiday Season
Purpose of loan:
This loan will be used to help prepare my business for the upcoming
winter holiday season. The loan will be
used for inventory and advertisement. The inventory has to be ordered early to guarantee delivery by late
November. I will be advertising and promoting my business online and offline
including the use of sponsorships and search engine marketing.
My financial situation:
I am a good candidate for this loan because I pay all my bills and live well within my means. I have a
small amount of monthly expenses because my car and condo are fully paid off. I am frugal and I reinvest all my extra money into my business.
The previous accounts I had open, I fully paid them off and closed the accounts
years ago. The one account I do have open is a home equity line of credit (HELOC). I don?t want to withdraw more money from my HELOC because I don?t want to bring down my credit
score by owing more than 20% of the $142K credit amount. This loan from Prosper will
improve my credit score by adding an additional credit account to my credit. Please help me achieve my goal of getting my credit score up in the 800s.
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:
What type of business is it that you run? You list your occupation as a computer programmer, so it makes me wonder what you are purchasing inventory for. Also could you explain the 23k revolving balance? - MikeSeattle
A:
There wasn't an option from the drop down menu that fit my occupation description and since I am also the website developer for my online presence I selected computer programmer. I am in the custom gift design business. I custom imprint company logos and personal messages on gifts.
The $24K is the balance on the $142K home equity line of credit. I don't want to use the line of credit because I don't want my credit score to decrease by owing more than 20% on a credit line.
(Aug-26-2009)
Q:
Two questions: You don't have a home but yet you have a HELOC???
What is your business? - Fargo109
A:
The $24K is the balance on the $142K home equity line of credit. I don't know exactly why it came up that I don't have a home.
I am in the custom gift design business. I custom imprint company logos and personal messages on gifts.
(Aug-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Hexnut | $50.00 | $50.00 | 8/17/2009 6:48:17 PM |
| brother_tam | $50.00 | $50.00 | 8/20/2009 7:44:58 PM |
| ToweringDan | $50.00 | $50.00 | 8/24/2009 10:41:46 PM |
| KramericaIndustries | $25.00 | $25.00 | 8/25/2009 1:03:03 PM |
| rulestein | $50.00 | $50.00 | 8/26/2009 9:07:51 AM |
| MikeSeattle | $25.00 | $25.00 | 8/26/2009 9:27:52 PM |
| Kennfusion | $50.00 | $50.00 | 8/27/2009 5:53:56 AM |
| bhargapa | $250.00 | $250.00 | 8/27/2009 5:12:45 PM |
| Rothgoe | $50.00 | $50.00 | 8/27/2009 9:34:17 PM |
| ballz694 | $50.00 | $50.00 | 8/28/2009 9:41:04 AM |
| JerryB96 | $25.00 | $25.00 | 8/28/2009 9:43:12 AM |
| manfromMaine | $50.00 | $50.00 | 8/28/2009 6:24:17 PM |
| Xoxira | $25.00 | $25.00 | 8/28/2009 6:48:25 PM |
| mcabery | $100.00 | $100.00 | 8/29/2009 5:14:36 AM |
| Pod1313 | $25.78 | $25.78 | 8/29/2009 11:15:37 AM |
| funds-magician142 | $25.00 | $25.00 | 8/29/2009 9:09:31 AM |
| Ristefo | $25.00 | $25.00 | 8/29/2009 9:14:04 AM |
| anarchy1985 | $32.00 | $32.00 | 8/29/2009 10:26:25 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/29/2009 3:22:16 PM |
| ladyonthebay | $25.00 | $25.00 | 8/29/2009 10:47:44 AM |
| us957165 | $25.00 | $25.00 | 8/30/2009 3:09:28 PM |
| awesome-responsibility | $1,000.00 | $1,000.00 | 8/30/2009 11:00:13 PM |
| oldman68 | $25.00 | $25.00 | 8/30/2009 10:45:44 PM |
| texrob20 | $100.00 | $100.00 | 8/31/2009 12:42:50 AM |
| dorypro | $25.00 | $25.00 | 8/31/2009 8:27:39 AM |
| Jiangtao | $25.00 | $25.00 | 8/31/2009 9:36:00 AM |
| UC3307 | $90.00 | $90.00 | 8/31/2009 11:07:33 AM |
| fatboy888 | $25.00 | $25.00 | 8/31/2009 1:31:37 PM |
| LeoBUSIIT | $25.00 | $25.00 | 8/31/2009 2:10:39 PM |
| CommerciaLender | $25.00 | $25.00 | 8/18/2009 2:02:34 PM |
| preciouschild | $200.00 | $200.00 | 8/20/2009 10:24:48 PM |
| hellasow | $25.00 | $25.00 | 8/23/2009 7:48:28 AM |
| OzGuy609 | $25.00 | $25.00 | 8/25/2009 6:07:13 AM |
| Crusader88 | $50.00 | $50.00 | 8/25/2009 8:00:23 PM |
| mgcby | $50.00 | $50.00 | 8/26/2009 6:05:20 AM |
| Jinja | $40.00 | $40.00 | 8/26/2009 3:35:07 PM |
| guardian3 | $50.00 | $50.00 | 8/26/2009 4:50:08 PM |
| clkventures | $200.00 | $200.00 | 8/26/2009 6:00:08 PM |
| ManhattanLender | $25.00 | $25.00 | 8/27/2009 1:07:31 AM |
| whitebalcony | $25.00 | $25.00 | 8/27/2009 7:57:47 AM |
| Fargo109 | $29.51 | $29.51 | 8/27/2009 4:38:59 AM |
| eyal0 | $39.49 | $39.49 | 8/27/2009 4:48:11 PM |
| Chessplayer71 | $26.61 | $26.61 | 8/27/2009 4:51:21 PM |
| heather26 | $25.00 | $25.00 | 8/28/2009 4:55:08 AM |
| billk333 | $25.00 | $25.00 | 8/28/2009 7:11:54 AM |
| OldProp | $50.00 | $50.00 | 8/28/2009 1:54:41 PM |
| niteflite | $25.00 | $25.00 | 8/28/2009 12:10:44 PM |
| edsmoney | $100.00 | $100.00 | 8/29/2009 8:40:52 AM |
| Svigel | $25.00 | $25.00 | 8/29/2009 12:44:01 PM |
| 1traveler | $25.00 | $25.00 | 8/29/2009 1:41:42 AM |
| jtc26 | $53.11 | $53.11 | 8/29/2009 3:27:45 PM |
| periko | $25.00 | $25.00 | 8/29/2009 10:11:09 AM |
| cardelt | $25.00 | $25.00 | 8/30/2009 3:12:37 AM |
| maga | $25.00 | $25.00 | 8/30/2009 10:18:09 AM |
| Marco83 | $50.00 | $50.00 | 8/31/2009 5:47:47 AM |
| econgineer | $63.67 | $63.67 | 8/31/2009 5:54:04 AM |
| note-pursuit | $25.00 | $25.00 | 8/30/2009 4:56:48 PM |
| Canute | $25.00 | $25.00 | 8/31/2009 7:10:11 AM |
| finagler | $25.00 | $25.00 | 8/31/2009 8:04:14 AM |
| myduck | $100.00 | $100.00 | 8/31/2009 6:39:58 AM |
| CERTIFIED | $100.00 | $100.00 | 8/31/2009 7:16:57 AM |
| zapquoc | $25.00 | $25.00 | 8/31/2009 10:46:52 AM |
| radiant-value | $25.00 | $25.00 | 8/31/2009 12:20:26 PM |
| JPOPP | $50.00 | $22.64 | 8/31/2009 10:07:18 AM |
| italisvital | $25.00 | $25.00 | 8/31/2009 12:17:55 PM |
| DJ_BoTaks | $52.19 | $52.19 | 8/31/2009 11:09:08 AM |
| loner001 | $25.00 | $25.00 | 8/31/2009 11:12:12 AM |
| mdf84 | $25.00 | $25.00 | 8/31/2009 1:57:38 PM |
| gothampark | $25.00 | $25.00 | 8/31/2009 2:25:32 PM |
| stu6703 | $50.00 | $50.00 | 8/31/2009 1:52:22 PM |
| kinetic-social | $25.00 | $25.00 | 8/31/2009 3:05:14 PM |
| Marco83 | $50.00 | $50.00 | 8/31/2009 3:54:39 PM |
| 72 bids
|
Borrower Payment Dependent Notes Series
420887
This series of Notes was issued and sold upon the funding of the borrower loan #38414, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 12.03% |
Starting monthly payment:
| $31.57 |
|
Final lender yield:
| 4.00% |
Final borrower rate/APR:
| 5.00% / 8.46% |
Final monthly payment:
| $29.97 |
| |
|
Auction yield range:
| 3.18% - 7.50% |
Estimated loss impact:
| 0.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.41% | | |
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:
| Mar-1994 |
Debt/Income ratio:
| 1% |
|
Credit score:
| 840-860 (Aug-2009) |
Current / open credit lines:
| 12
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 13y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $128 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| sharp-credit |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
This Lender is Borrowing
Purpose of loan:
I want to see the Prosper Business Model from both sides of the equation.
I am a 100% safe, secure, and desirable borrower. I'd need to see how I am presented
in Prosper to gain a broader understanding of both current lenders and borrowers.
My financial situation:
I am a good candidate for this loan because I
am doing this for personal research. My loan costs
seems like a small price to pay to gain a lot of insight and
knowledge about this community.
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:
After looking at your credit report. I can honestly say. I don't think you would ever default. You should frame your credit report. - JCPlending
A:
Thank you for your honest assessment. How the credit agencies decide on issued ratings can be problematic, but it is certainly nice to be on the correct side of obtaining lower cost credit. Anyhow, I hope to be a good measure
for both the lending side and the borrowing side, and what can be achieved
in this P2P community.
(Aug-27-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| whatreality | $25.00 | $25.00 | 8/24/2009 9:37:06 AM |
| Penguin267 | $25.00 | $25.00 | 8/30/2009 8:32:31 PM |
| loanman2007 | $50.00 | $50.00 | 8/30/2009 4:32:59 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 8/31/2009 3:30:52 AM |
| amit_gu | $100.00 | $100.00 | 8/31/2009 9:38:32 AM |
| calm-p2ploan | $500.00 | $7.84 | 8/31/2009 4:04:17 PM |
| HealthAndSafety | $100.00 | $100.00 | 8/22/2009 6:44:42 AM |
| payontime1 | $60.23 | $60.23 | 8/22/2009 11:12:08 AM |
| bankar | $25.00 | $25.00 | 8/23/2009 2:06:29 PM |
| quiggles | $50.00 | $50.00 | 8/24/2009 5:23:15 PM |
| FundMaker | $25.00 | $25.00 | 8/24/2009 8:29:08 PM |
| EmeritusX | $25.00 | $25.00 | 8/26/2009 5:13:22 PM |
| kinetic-social | $25.00 | $25.00 | 8/30/2009 3:46:49 PM |
| dproxima | $25.00 | $25.00 | 8/30/2009 4:49:09 PM |
| amit_gu | $106.93 | $106.93 | 8/31/2009 9:41:18 AM |
| calm-p2ploan | $300.00 | $300.00 | 8/31/2009 4:03:53 PM |
| CountryBank | $25.00 | $25.00 | 8/31/2009 4:04:42 PM |
| 17 bids
|
Borrower Payment Dependent Notes Series
421061
This series of Notes was issued and sold upon the funding of the borrower loan #38393, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-18-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 8.13% |
Starting borrower rate/APR:
| 9.13% / 11.23% |
Starting monthly payment:
| $127.44 |
|
Final lender yield:
| 6.95% |
Final borrower rate/APR:
| 7.95% / 10.03% |
Final monthly payment:
| $125.25 |
| |
|
Auction yield range:
| 3.18% - 8.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.35% | | |
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:
| Apr-2004 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 780-800 (Aug-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $18,632 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 37% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| mvd7679 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 3 ( 100% )
| 780-800 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < mo. late:
| 0
( 0% )
| 780-800
(Apr-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 3 | | |
Description
Had a baby! Paying off some bills.
Purpose of loan:
This loan will be used to pay off bills and expenses from having our first child. We also would prefer to receive this loan from a social lending network than from a traditional bank.
My financial situation:
I am a good candidate for this loan because my wife and I are hard working professionals in secure jobs. We are committed to getting out of debt completely and take loans very seriously.
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:
If you are comfortable doing so, can you explain what these baby costs are specifically? - Finspons
A:
Expenses include the stroller, crib, mattress and other baby/nursery items. Also included is the cost for our OB as we did not have maternity coverage on our insurance and paid for this privately.
(Aug-22-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Sid-K | $50.00 | $50.00 | 8/18/2009 4:15:07 PM |
| skuba | $50.00 | $50.00 | 8/18/2009 4:15:18 PM |
| honorable-yield | $50.00 | $50.00 | 8/18/2009 4:14:46 PM |
| don8ter | $60.00 | $60.00 | 8/18/2009 4:14:31 PM |
| anton | $50.00 | $50.00 | 8/18/2009 4:16:03 PM |
| ekmendenhall | $25.00 | $25.00 | 8/18/2009 4:18:24 PM |
| seasportsguy | $25.00 | $25.00 | 8/18/2009 4:18:27 PM |
| lowestghost | $25.00 | $25.00 | 8/18/2009 4:21:59 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/18/2009 4:22:01 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:36:19 PM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:48:36 AM |
| rdrloan | $25.00 | $25.00 | 8/19/2009 10:07:39 AM |
| shanedog | $25.00 | $25.00 | 8/19/2009 1:44:00 PM |
| Barrayaran | $25.00 | $25.00 | 8/20/2009 1:18:55 PM |
| RandyL3 | $25.00 | $25.00 | 8/20/2009 6:39:04 PM |
| preciouschild | $110.00 | $110.00 | 8/20/2009 10:27:48 PM |
| amit_gu | $100.00 | $100.00 | 8/21/2009 9:39:08 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:33:07 AM |
| ClearLake | $25.00 | $25.00 | 8/21/2009 12:47:47 PM |
| mathprof | $25.00 | $25.00 | 8/21/2009 1:28:33 PM |
| 888168 | $39.29 | $39.29 | 8/21/2009 1:41:31 PM |
| KDW08 | $25.00 | $25.00 | 8/23/2009 4:17:26 AM |
| ProfPC | $25.00 | $7.22 | 8/23/2009 7:02:42 AM |
| SchaeferJ | $25.00 | $25.00 | 8/24/2009 8:57:12 AM |
| Richmp412 | $25.00 | $25.00 | 8/26/2009 7:06:35 AM |
| Sarspatula | $25.00 | $25.00 | 8/26/2009 9:33:29 AM |
| haryassman | $25.00 | $25.00 | 8/26/2009 11:11:42 AM |
| McChan | $100.00 | $100.00 | 8/26/2009 7:58:18 PM |
| buukyak | $25.00 | $25.00 | 8/26/2009 8:39:20 PM |
| plbquic | $50.00 | $50.00 | 8/27/2009 11:56:13 AM |
| RIVERBEND | $25.00 | $25.00 | 8/27/2009 9:38:28 AM |
| socal-lender | $25.00 | $25.00 | 8/27/2009 6:22:00 PM |
| theloanteacher | $25.00 | $25.00 | 8/27/2009 8:46:12 PM |
| unolsu5 | $50.00 | $50.00 | 8/27/2009 9:16:28 PM |
| outofoffice | $50.00 | $50.00 | 8/27/2009 9:20:35 PM |
| kinetic-social | $25.00 | $25.00 | 8/30/2009 3:54:38 PM |
| ChristopherHS | $25.00 | $25.00 | 8/30/2009 8:10:47 AM |
| JACJ | $25.00 | $25.00 | 8/30/2009 9:05:03 AM |
| dollarboy | $25.00 | $25.00 | 8/30/2009 9:04:24 PM |
| JohnSmith10 | $25.00 | $25.00 | 8/30/2009 11:11:26 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/30/2009 10:44:12 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 10:36:09 AM |
| RandyL3 | $35.23 | $35.23 | 8/31/2009 2:30:16 PM |
| cops | $39.68 | $39.68 | 8/31/2009 4:13:35 PM |
| calm-p2ploan | $25.00 | $25.00 | 8/31/2009 4:53:35 PM |
| FundMaker | $25.00 | $25.00 | 8/31/2009 5:18:05 PM |
| wild_carrot | $25.00 | $25.00 | 8/31/2009 5:03:53 PM |
| sunny1985 | $25.00 | $25.00 | 8/31/2009 5:35:44 PM |
| YummiBear | $25.00 | $25.00 | 8/31/2009 7:54:25 PM |
| BOBCH | $25.00 | $25.00 | 9/1/2009 5:55:43 AM |
| manuvns | $25.00 | $25.00 | 8/31/2009 10:20:45 PM |
| autumn_leaves | $25.00 | $25.00 | 8/31/2009 8:54:52 PM |
| njmlaj726 | $25.00 | $25.00 | 9/1/2009 8:44:40 AM |
| blot44 | $50.00 | $50.00 | 9/1/2009 5:37:30 AM |
| DDHMoney | $25.00 | $25.00 | 9/1/2009 7:40:50 AM |
| thaddeuscm | $30.00 | $30.00 | 9/1/2009 11:13:15 AM |
| bondhedger | $25.00 | $25.00 | 9/1/2009 9:32:59 AM |
| mrxtravis | $25.00 | $25.00 | 9/1/2009 10:55:35 AM |
| lenderrn | $50.00 | $50.00 | 9/1/2009 10:49:15 AM |
| lavb23 | $25.00 | $25.00 | 9/1/2009 1:35:22 PM |
| kander80 | $25.00 | $25.00 | 9/1/2009 1:40:49 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/18/2009 4:15:21 PM |
| greenback-floret | $25.00 | $25.00 | 8/18/2009 4:14:16 PM |
| bchen78875 | $50.00 | $50.00 | 8/18/2009 4:15:26 PM |
| shadowflame_99 | $25.00 | $25.00 | 8/18/2009 4:15:45 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/18/2009 4:14:40 PM |
| turbospeed | $25.00 | $25.00 | 8/18/2009 4:15:02 PM |
| DukSerduk | $25.00 | $25.00 | 8/18/2009 4:15:14 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 8/19/2009 5:13:22 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:28 AM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/19/2009 3:13:44 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:48:01 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/19/2009 11:12:20 PM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:50 AM |
| Cheburashka | $25.00 | $25.00 | 8/20/2009 10:37:21 AM |
| julijask | $25.00 | $25.00 | 8/20/2009 4:34:35 PM |
| Artist_Blue | $25.00 | $25.00 | 8/20/2009 6:57:36 PM |
| income-excellence1 | $25.00 | $25.00 | 8/20/2009 9:32:22 PM |
| jwood3030 | $25.00 | $25.00 | 8/20/2009 8:47:47 PM |
| thedoctor | $25.00 | $25.00 | 8/21/2009 9:07:17 AM |
| Goodlender42 | $25.00 | $25.00 | 8/21/2009 4:23:13 PM |
| axelducheck | $25.00 | $25.00 | 8/21/2009 4:58:01 PM |
| elasermd | $50.00 | $50.00 | 8/21/2009 7:27:47 PM |
| hellasow | $25.00 | $25.00 | 8/22/2009 12:30:01 PM |
| BigBoy2008 | $25.00 | $25.00 | 8/22/2009 4:43:38 PM |
| Halos2002 | $50.00 | $50.00 | 8/23/2009 7:02:19 AM |
| SmallTown5 | $25.00 | $25.00 | 8/23/2009 5:38:13 AM |
| EmeritusX | $25.00 | $25.00 | 8/25/2009 4:35:36 PM |
| market-assembler | $25.00 | $25.00 | 8/25/2009 3:22:17 PM |
| PBanker | $25.00 | $25.00 | 8/26/2009 5:12:14 PM |
| HawaiianHelper | $50.00 | $50.00 | 8/27/2009 1:09:30 AM |
| PotBellyPete | $25.00 | $25.00 | 8/26/2009 8:00:19 PM |
| Tulalue | $25.00 | $25.00 | 8/27/2009 5:34:59 AM |
| scref | $25.00 | $25.00 | 8/28/2009 9:31:36 AM |
| festivecpl | $25.00 | $25.00 | 8/28/2009 7:42:23 PM |
| Penguin267 | $25.00 | $25.00 | 8/30/2009 8:34:07 PM |
| Okeey | $25.00 | $25.00 | 8/31/2009 8:11:30 AM |
| impartial-deal | $25.00 | $25.00 | 8/31/2009 1:11:16 PM |
| BankofBeth | $50.00 | $50.00 | 8/31/2009 4:28:25 PM |
| Tlrdlrrnch | $25.00 | $25.00 | 8/31/2009 5:02:21 PM |
| gothampark | $50.00 | $50.00 | 8/31/2009 7:21:26 PM |
| Rob717171 | $150.00 | $150.00 | 8/31/2009 9:06:30 PM |
| martymaniaman | $25.00 | $25.00 | 9/1/2009 5:56:12 AM |
| octoberfresh | $25.00 | $25.00 | 9/1/2009 6:25:27 AM |
| tacopants | $100.00 | $100.00 | 9/1/2009 10:07:15 AM |
| Blind_Pig | $27.00 | $27.00 | 9/1/2009 7:14:07 AM |
| jtoms101 | $50.00 | $50.00 | 9/1/2009 5:37:03 AM |
| jpyrek | $50.00 | $50.00 | 9/1/2009 11:47:49 AM |
| id26709 | $26.58 | $26.58 | 9/1/2009 2:33:31 PM |
| LA-Funding-Bank | $50.00 | $50.00 | 9/1/2009 12:06:46 PM |
| bossyboots01 | $50.00 | $50.00 | 9/1/2009 3:16:44 PM |
| glazeddonuts | $25.00 | $25.00 | 9/1/2009 1:22:46 PM |
| 112 bids
|
Borrower Payment Dependent Notes Series
421125
This series of Notes was issued and sold upon the funding of the borrower loan #38385, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Aug-30-2009 |
|
|
Starting lender yield:
| 10.48% |
Starting borrower rate/APR:
| 11.48% / 13.60% |
Starting monthly payment:
| $247.25 |
|
Final lender yield:
| 9.50% |
Final borrower rate/APR:
| 10.50% / 12.61% |
Final monthly payment:
| $243.77 |
| |
|
Auction yield range:
| 3.18% - 10.48% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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:
| Aug-1991 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 800-820 (Aug-2009) |
Current / open credit lines:
| 14
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 22y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,823 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 23% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| openness-forte |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
loan for flight ticket to be repaid
Purpose of loan:
This loan will be used to wire money to fiance to buy one way ticket home and to immediately return funds.
My financial situation:
I am a good candidate for this loan because I have an excellent record.? I expect to receive a financial return that will pay off my debts from sell of land.
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:
Great credit however I'm cautious. There is a scam where a friend/spouse/fiance/relative is stranded and needs money to fly home. What are the specifics of your fiances situation? Thanks. - Dollars4Rent
A:
I know him and trust him and he has never been in the situation before. Did not take enough cash and missed flight by 15 mins. Nothing he could do purchased in the states. I have answered this question three times and it keeps showing. I must be doing something wrong.
(Aug-27-2009)
Q:
How come you need so much for a one way ticket? - Washington_Loan
A:
already responded.
(Aug-27-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| skuba | $50.00 | $50.00 | 8/20/2009 3:47:37 PM |
| anton | $50.00 | $50.00 | 8/20/2009 3:47:55 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/20/2009 3:48:25 PM |
| 108lender | $75.00 | $75.00 | 8/20/2009 3:50:25 PM |
| shanedog | $25.00 | $25.00 | 8/20/2009 3:50:45 PM |
| agab | $25.00 | $25.00 | 8/20/2009 3:44:01 PM |
| don8ter | $60.00 | $60.00 | 8/20/2009 3:47:13 PM |
| DukSerduk | $25.00 | $25.00 | 8/20/2009 3:47:33 PM |
| bchen78875 | $50.00 | $50.00 | 8/20/2009 3:47:48 PM |
| ekmendenhall | $25.00 | $25.00 | 8/20/2009 3:48:22 PM |
| Iwantahelp | $25.00 | $25.00 | 8/20/2009 3:49:21 PM |
| MidnightBank | $25.00 | $25.00 | 8/20/2009 3:50:27 PM |
| ChristopherHS | $25.00 | $25.00 | 8/21/2009 4:58:14 PM |
| ClearLake | $25.00 | $25.00 | 8/21/2009 5:15:36 PM |
| Artist_Blue | $25.00 | $25.00 | 8/21/2009 8:22:30 PM |
| mathprof | $25.00 | $25.00 | 8/23/2009 7:02:37 AM |
| 888168 | $50.00 | $50.00 | 8/23/2009 7:02:44 AM |
| BigBoy2008 | $25.00 | $25.00 | 8/22/2009 4:43:41 PM |
| JCMC | $25.00 | $25.00 | 8/23/2009 8:30:28 AM |
| kinetic-truth | $25.00 | $25.00 | 8/23/2009 10:32:27 AM |
| dpdaug | $43.45 | $43.45 | 8/23/2009 6:58:58 PM |
| jgar_O | $25.00 | $25.00 | 8/23/2009 12:02:39 PM |
| DrStaff | $60.00 | $60.00 | 8/24/2009 7:33:23 AM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 9:33:38 AM |
| abuyama22 | $25.00 | $25.00 | 8/25/2009 7:36:12 AM |
| lagnisiruk | $25.00 | $25.00 | 8/25/2009 11:37:59 AM |
| zento | $25.00 | $25.00 | 8/25/2009 9:37:33 AM |
| cyberie21 | $37.78 | $37.78 | 8/25/2009 1:42:37 PM |
| hobodave | $25.00 | $25.00 | 8/25/2009 3:18:28 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/25/2009 4:39:00 PM |
| senior1 | $25.00 | $25.00 | 8/25/2009 4:52:59 PM |
| Credit2Prosper | $50.00 | $50.00 | 8/25/2009 5:42:14 PM |
| Spyder1 | $25.00 | $25.00 | 8/26/2009 12:29:57 AM |
| jimbo29blue | $50.00 | $50.00 | 8/26/2009 12:02:37 PM |
| happyface | $50.00 | $50.00 | 8/26/2009 12:11:46 PM |
| SpectrumCapital | $25.00 | $25.00 | 8/26/2009 10:25:41 AM |
| Tiger86 | $25.00 | $25.00 | 8/26/2009 1:32:28 PM |
| mhombre | $50.00 | $50.00 | 8/26/2009 4:20:25 PM |
| phi2 | $25.00 | $25.00 | 8/26/2009 3:17:15 PM |
| PotBellyPete | $25.00 | $25.00 | 8/26/2009 5:26:26 PM |
| PalmTreeIsland | $50.00 | $50.00 | 8/26/2009 4:38:28 PM |
| tayzak | $25.00 | $25.00 | 8/26/2009 6:12:27 PM |
| fortytwo | $25.00 | $25.00 | 8/26/2009 11:35:02 PM |
| htargett | $25.00 | $25.00 | 8/27/2009 1:08:19 AM |
| Ellisdee | $50.00 | $50.00 | 8/27/2009 1:08:24 AM |
| ronkr | $25.00 | $25.00 | 8/27/2009 1:08:31 AM |
| hotwired | $25.00 | $25.00 | 8/27/2009 3:02:36 AM |
| Natronpee | $25.00 | $25.00 | 8/27/2009 5:43:55 AM |
| Yaj | $25.00 | $25.00 | 8/27/2009 7:53:57 AM |
| Rule62 | $25.00 | $25.00 | 8/27/2009 1:08:08 AM |
| kanpur63 | $25.00 | $25.00 | 8/27/2009 1:08:22 AM |
| treeline | $50.00 | $50.00 | 8/27/2009 1:08:44 AM |
| wampum-proton | $25.00 | $25.00 | 8/27/2009 1:08:52 AM |
| mmqc | $25.00 | $25.00 | 8/27/2009 1:08:07 AM |
| the-financier814 | $25.00 | $25.00 | 8/27/2009 1:08:10 AM |
| money-shaker | $25.00 | $25.00 | 8/27/2009 1:08:55 AM |
| yield-blanket | $25.00 | $25.00 | 8/27/2009 9:34:21 AM |
| scholarly-integrity | $25.00 | $25.00 | 8/27/2009 9:49:18 AM |
| bigdogsafety1 | $25.00 | $25.00 | 8/27/2009 5:37:29 AM |
| peace-cadence | $25.00 | $25.00 | 8/27/2009 10:12:49 AM |
| Warbler | $25.00 | $25.00 | 8/27/2009 10:32:34 AM |
| gold-tsunami | $25.00 | $25.00 | 8/27/2009 10:37:28 AM |
| LuckySF | $50.00 | $50.00 | 8/27/2009 10:38:41 AM |
| restondoublek | $50.00 | $50.00 | 8/27/2009 8:17:19 AM |
| Jassi | $50.00 | $50.00 | 8/27/2009 9:38:17 AM |
| eyewillfindu | $25.00 | $25.00 | 8/27/2009 10:32:33 AM |
| longisland47m | $25.00 | $25.00 | 8/27/2009 10:32:32 AM |
| jetblack | $50.00 | $50.00 | 8/27/2009 2:15:02 PM |
| Traal | $25.00 | $25.00 | 8/27/2009 2:17:19 PM |
| Residuum | $25.00 | $25.00 | 8/27/2009 1:19:41 PM |
| aesop | $25.00 | $25.00 | 8/27/2009 3:17:57 PM |
| Coach2often | $50.00 | $50.00 | 8/27/2009 5:47:26 PM |
| Raptorman | $25.00 | $25.00 | 8/27/2009 7:37:17 PM |
| order-prospector | $100.00 | $100.00 | 8/27/2009 5:22:27 PM |
| Gorblum | $25.00 | $25.00 | 8/28/2009 4:50:36 AM |
| Dragline | $100.00 | $100.00 | 8/28/2009 7:11:57 AM |
| Blue_HorseShoe | $41.89 | $41.89 | 8/28/2009 7:05:16 AM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/28/2009 3:46:23 AM |
| cowboyskier | $50.00 | $50.00 | 8/28/2009 9:20:34 AM |
| Wart126 | $25.00 | $25.00 | 8/28/2009 6:55:21 AM |
| tornandfrayed | $25.00 | $25.00 | 8/28/2009 11:23:27 AM |
| OldProp | $25.00 | $25.00 | 8/28/2009 2:16:36 PM |
| slowpig | $25.00 | $25.00 | 8/28/2009 2:22:11 PM |
| zbfamwl | $25.00 | $25.00 | 8/28/2009 11:55:26 AM |
| gethsemane4 | $25.00 | $25.00 | 8/28/2009 12:02:03 PM |
| Landselott | $25.00 | $25.00 | 8/28/2009 1:35:21 PM |
| brewlots | $25.00 | $25.00 | 8/28/2009 4:38:03 PM |
| outofoffice | $50.00 | $50.00 | 8/28/2009 9:04:08 PM |
| Raetha | $25.00 | $25.00 | 8/28/2009 5:36:13 PM |
| blackstar | $25.00 | $25.00 | 8/29/2009 5:15:33 AM |
| baroo | $25.00 | $25.00 | 8/28/2009 7:50:43 PM |
| mrzz | $25.00 | $25.00 | 8/28/2009 5:47:23 PM |
| lenderme | $25.00 | $25.00 | 8/29/2009 6:20:21 AM |
| AndersenWatcher | $25.00 | $25.00 | 8/29/2009 6:20:35 AM |
| red-favorable-basis | $25.00 | $25.00 | 8/29/2009 1:30:47 PM |
| nicklds | $25.00 | $25.00 | 8/29/2009 1:55:53 PM |
| rjleves | $25.00 | $25.00 | 8/30/2009 9:10:17 AM |
| Gabriel02 | $25.00 | $25.00 | 8/30/2009 5:31:29 AM |
| caffinate | $110.00 | $110.00 | 8/20/2009 3:44:48 PM |
| KHU2-B | $25.00 | $25.00 | 8/20/2009 3:44:58 PM |
| Kame | $25.00 | $25.00 | 8/20/2009 3:47:53 PM |
| mh1169 | $25.00 | $25.00 | 8/20/2009 3:48:43 PM |
| BookandLaw | $25.00 | $25.00 | 8/20/2009 3:50:36 PM |
| personal-lender | $25.00 | $25.00 | 8/20/2009 3:50:43 PM |
| seasportsguy | $25.00 | $25.00 | 8/20/2009 3:50:47 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/20/2009 3:47:20 PM |
| greenback-floret | $25.00 | $25.00 | 8/20/2009 3:47:05 PM |
| turbospeed | $25.00 | $25.00 | 8/20/2009 3:47:26 PM |
| Sid-K | $50.00 | $50.00 | 8/20/2009 3:47:30 PM |
| honorable-yield | $50.00 | $50.00 | 8/20/2009 3:47:24 PM |
| turbostar666 | $50.00 | $50.00 | 8/20/2009 3:48:06 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/20/2009 3:47:45 PM |
| lowestghost | $25.00 | $25.00 | 8/20/2009 3:48:23 PM |
| Syzygy | $25.00 | $25.00 | 8/20/2009 3:48:11 PM |
| tlp43 | $25.00 | $25.00 | 8/20/2009 3:49:51 PM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 3:50:29 PM |
| julijask | $25.00 | $25.00 | 8/20/2009 4:34:09 PM |
| whitegold24k | $86.92 | $86.92 | 8/20/2009 6:57:20 PM |
| calm-p2ploan | $25.00 | $25.00 | 8/20/2009 11:07:30 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/20/2009 10:22:57 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/21/2009 8:02:23 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:33:12 AM |
| totoro | $25.00 | $25.00 | 8/21/2009 2:27:19 PM |
| elasermd | $50.00 | $50.00 | 8/21/2009 7:27:51 PM |
| income-excellence1 | $25.00 | $25.00 | 8/21/2009 4:40:28 PM |
| Guiren | $100.00 | $100.00 | 8/22/2009 12:12:58 AM |
| hellasow | $25.00 | $25.00 | 8/22/2009 12:36:09 PM |
| Goodlender42 | $25.00 | $25.00 | 8/23/2009 11:30:51 AM |
| UESbank | $50.00 | $20.71 | 8/23/2009 7:02:22 AM |
| southerngirl9 | $25.35 | $25.35 | 8/23/2009 9:42:14 AM |
| Unitas4302 | $100.00 | $100.00 | 8/23/2009 12:11:43 PM |
| grf1945 | $25.00 | $25.00 | 8/24/2009 8:17:44 AM |
| Cherrypicker06 | $25.00 | $25.00 | 8/24/2009 9:37:54 AM |
| TJ-Financial-Group | $51.89 | $51.89 | 8/24/2009 7:57:30 AM |
| r1g3l | $25.00 | $25.00 | 8/24/2009 9:52:21 AM |
| fairmaiden | $50.00 | $50.00 | 8/24/2009 10:26:30 AM |
| blot44 | $50.00 | $50.00 | 8/24/2009 3:10:35 PM |
| kenji4861 | $50.00 | $50.00 | 8/24/2009 10:57:24 PM |
| axelducheck | $25.00 | $25.00 | 8/25/2009 5:48:27 AM |
| ProfPC | $25.00 | $25.00 | 8/24/2009 5:02:49 PM |
| thedoctor | $25.00 | $25.00 | 8/25/2009 5:52:34 AM |
| elated-justice | $25.00 | $25.00 | 8/25/2009 7:36:06 AM |
| enriching-payout | $25.00 | $25.00 | 8/25/2009 12:02:48 PM |
| a-fund-paradise | $25.00 | $25.00 | 8/25/2009 2:38:19 PM |
| market-assembler | $25.00 | $25.00 | 8/25/2009 3:22:24 PM |
| AP2PLender | $25.00 | $25.00 | 8/25/2009 3:22:45 PM |
| kokopuff | $25.00 | $25.00 | 8/25/2009 12:08:06 PM |
| Avala | $25.00 | $25.00 | 8/25/2009 5:39:49 PM |
| wealth-mogul534 | $25.00 | $25.00 | 8/25/2009 6:11:01 PM |
| sparky1129 | $25.00 | $25.00 | 8/25/2009 5:16:01 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 8/25/2009 5:42:11 PM |
| BoughtTheFarm | $25.00 | $25.00 | 8/25/2009 5:42:22 PM |
| TK4 | $25.00 | $25.00 | 8/25/2009 5:15:02 PM |
| nick5454 | $50.00 | $50.00 | 8/26/2009 8:07:41 AM |
| RussianPrincess | $100.00 | $100.00 | 8/26/2009 8:12:43 AM |
| KaiserRex | $25.00 | $25.00 | 8/26/2009 2:44:05 AM |
| GrayStudio | $50.00 | $50.00 | 8/26/2009 10:27:11 AM |
| evolsb | $25.00 | $25.00 | 8/26/2009 7:27:40 AM |
| SKAGIT22 | $25.00 | $25.00 | 8/26/2009 11:57:21 AM |
| Ven58 | $25.00 | $25.00 | 8/26/2009 12:17:29 PM |
| don'twannadance | $50.00 | $50.00 | 8/26/2009 12:20:30 PM |
| Dreea19 | $25.00 | $25.00 | 8/26/2009 8:44:49 AM |
| bowdish1 | $50.00 | $50.00 | 8/26/2009 12:50:07 PM |
| understanding-marketplace | $100.00 | $100.00 | 8/26/2009 9:32:57 AM |
| TheGoodSamaritan | $25.00 | $25.00 | 8/26/2009 9:37:03 AM |
| testobsessed | $100.00 | $100.00 | 8/26/2009 9:53:45 AM |
| js60l | $25.00 | $25.00 | 8/26/2009 3:12:33 PM |
| tallcoolone | $25.00 | $25.00 | 8/26/2009 5:30:55 PM |
| wamozart | $25.00 | $25.00 | 8/27/2009 1:08:10 AM |
| Patter256 | $25.00 | $25.00 | 8/27/2009 1:08:59 AM |
| ajk_blue | $25.00 | $25.00 | 8/27/2009 1:12:13 AM |
| pay-it-forward1010 | $25.00 | $25.00 | 8/27/2009 1:12:43 AM |
| IndianChief | $25.00 | $25.00 | 8/27/2009 1:08:50 AM |
| OCLend | $25.00 | $25.00 | 8/27/2009 1:07:54 AM |
| revthunder | $50.00 | $50.00 | 8/27/2009 1:09:25 AM |
| Faura | $25.00 | $25.00 | 8/27/2009 1:08:09 AM |
| head | $25.00 | $25.00 | 8/27/2009 1:08:19 AM |
| minista | $25.00 | $25.00 | 8/27/2009 1:12:33 AM |
| cool_kubera | $50.00 | $50.00 | 8/27/2009 1:08:28 AM |
| Avid_Skier | $25.00 | $25.00 | 8/27/2009 1:12:42 AM |
| Turkish101 | $25.00 | $25.00 | 8/27/2009 2:17:28 AM |
| szetheli | $50.00 | $50.00 | 8/27/2009 9:38:31 AM |
| J-jireh | $25.00 | $25.00 | 8/27/2009 9:17:25 AM |
| djs81 | $25.00 | $25.00 | 8/27/2009 10:12:44 AM |
| decisive-capital | $42.87 | $42.87 | 8/27/2009 9:42:29 AM |
| Digs | $25.00 | $25.00 | 8/27/2009 10:32:27 AM |
| JoeMB | $25.00 | $25.00 | 8/27/2009 9:51:02 AM |
| woodenshoes | $26.13 | $26.13 | 8/27/2009 2:02:03 PM |
| iruz | $28.67 | $28.67 | 8/27/2009 11:28:32 AM |
| deal-mover | $25.00 | $25.00 | 8/27/2009 11:37:36 AM |
| jct_enterprises | $25.00 | $25.00 | 8/27/2009 12:22:44 PM |
| gm93001 | $25.00 | $25.00 | 8/27/2009 12:17:22 PM |
| caken23 | $25.00 | $25.00 | 8/27/2009 7:12:15 PM |
| money-vista | $25.00 | $25.00 | 8/27/2009 9:22:35 PM |
| supe11 | $25.00 | $25.00 | 8/27/2009 5:19:29 PM |
| responsibility-butterfly | $25.00 | $25.00 | 8/28/2009 9:30:37 AM |
| CoolHelp | $25.00 | $25.00 | 8/27/2009 10:17:41 PM |
| funds-magician142 | $25.00 | $25.00 | 8/28/2009 9:30:27 AM |
| notlicehead | $50.00 | $50.00 | 8/28/2009 10:44:11 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/28/2009 11:29:35 AM |
| lowrate | $25.00 | $25.00 | 8/28/2009 11:54:39 AM |
| d3global | $25.00 | $25.00 | 8/28/2009 12:04:44 PM |
| leneker | $25.00 | $25.00 | 8/28/2009 12:40:52 PM |
| eureka117 | $25.00 | $25.00 | 8/28/2009 11:50:33 AM |
| new-thrilling-principal | $25.00 | $25.00 | 8/28/2009 3:10:45 PM |
| Sixmil | $25.00 | $25.00 | 8/28/2009 12:26:17 PM |
| mizount | $25.00 | $25.00 | 8/28/2009 12:26:35 PM |
| conceptpi | $25.00 | $25.00 | 8/28/2009 12:36:16 PM |
| velocity-turtle | $25.00 | $25.00 | 8/28/2009 3:02:29 PM |
| slartibardfast | $30.00 | $30.00 | 8/28/2009 3:17:43 PM |
| JJS180 | $25.00 | $25.00 | 8/28/2009 7:41:24 PM |
| kyomoon | $34.34 | $34.34 | 8/28/2009 11:05:59 PM |
| majormoves1 | $25.00 | $25.00 | 8/29/2009 5:16:20 AM |
| glazeddonuts | $25.00 | $25.00 | 8/28/2009 11:00:47 PM |
| XD2005 | $25.00 | $25.00 | 8/29/2009 9:01:50 AM |
| reefer | $50.00 | $50.00 | 8/29/2009 9:05:33 AM |
| TyBucks | $25.00 | $25.00 | 8/29/2009 1:30:50 PM |
| likeable-reward | $25.00 | $25.00 | 8/29/2009 6:20:32 PM |
| hampa | $25.00 | $25.00 | 8/30/2009 8:26:35 AM |
| droryikra | $25.00 | $25.00 | 8/30/2009 8:41:23 AM |
| Searlzy | $25.00 | $25.00 | 8/29/2009 8:51:23 PM |
| 221 bids
|
Borrower Payment Dependent Notes Series
421193
This series of Notes was issued and sold upon the funding of the borrower loan #38388, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-19-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 20.11% |
Starting borrower rate/APR:
| 21.11% / 24.92% |
Starting monthly payment:
| $37.73 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 24.81% |
Final monthly payment:
| $37.68 |
| |
|
Auction yield range:
| 8.18% - 20.11% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.03% | | |
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:
| May-1997 |
Debt/Income ratio:
| 1% |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 7
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 42 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $273 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 1/ 1 |
Bankcard utilization:
| 7% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 5 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| jokerj006 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
rebuild credit score
Purpose of loan:
I had to file bankruptcy because of some bad business debts that I personally guaranteed. I have a long history of excellent credit and still have a credit card through my bank. My credit score is back to the mid 600?s three months after bankruptcy. I want to obtain this loan to establish credit for an installment loan and raise my credit score.? The?1k of funds?will be held in a T-Bill with Treasury Direct.Thank you
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) |
|
| Russh | $25.00 | $25.00 | 8/21/2009 4:06:11 PM |
| justin323 | $46.62 | $46.62 | 8/24/2009 6:06:00 PM |
| Syzygy | $25.00 | $25.00 | 8/26/2009 1:10:45 PM |
| kinetic-social | $25.00 | $25.00 | 8/26/2009 4:20:49 PM |
| texrob20 | $25.00 | $25.00 | 8/27/2009 1:28:35 AM |
| restondoublek | $50.00 | $50.00 | 8/27/2009 8:22:37 AM |
| tnjohnso | $25.00 | $25.00 | 8/27/2009 2:40:09 PM |
| Galdis | $25.00 | $25.00 | 8/28/2009 7:42:54 PM |
| M_V | $25.00 | $25.00 | 8/29/2009 9:10:18 PM |
| nimble-revenue | $50.00 | $50.00 | 8/30/2009 7:17:11 AM |
| carmat60 | $25.00 | $25.00 | 8/30/2009 10:04:46 PM |
| trainu | $100.00 | $100.00 | 8/31/2009 11:10:26 AM |
| LibbyZ | $50.00 | $50.00 | 8/31/2009 4:13:40 PM |
| Clearblue42 | $76.19 | $76.19 | 8/31/2009 4:38:52 PM |
| mckhbnpc | $35.00 | $35.00 | 8/31/2009 5:28:25 PM |
| COCHINOBOY | $100.00 | $100.00 | 8/31/2009 5:30:50 PM |
| Bender | $50.00 | $50.00 | 8/22/2009 6:37:33 PM |
| ExcellentGreen | $25.00 | $25.00 | 8/25/2009 10:00:09 PM |
| BSr | $25.00 | $25.00 | 8/28/2009 4:14:26 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/28/2009 11:28:24 AM |
| ErikB | $25.00 | $25.00 | 8/28/2009 6:33:04 PM |
| deepblue34 | $25.00 | $25.00 | 8/29/2009 4:29:04 PM |
| YoungTaxMan | $25.00 | $12.19 | 8/30/2009 7:00:28 PM |
| oldboter | $50.00 | $50.00 | 8/30/2009 5:56:09 PM |
| GrayStudio | $25.00 | $25.00 | 8/31/2009 10:48:50 AM |
| hillerod | $30.00 | $30.00 | 8/31/2009 4:09:48 PM |
| 26 bids
|