Sales Report:Supplement No. 39 dated Sep 16, 2009 to Prospectus dated Jul 13, 2009
File 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 414823
This series of Notes was issued and sold upon the funding of the borrower loan #38506, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: C Auction start date:  Aug-31-2009 
Term: 36 months Estimated loss: 6.5% Auction end date:  Sep-11-2009 
 
Starting lender yield: 20.11% Starting borrower rate/APR: 21.11% / 23.36% Starting monthly payment: $113.19
Final lender yield: 19.05% Final borrower rate/APR: 20.05% / 22.29% Final monthly payment: $111.57
 
Auction yield range: 8.18% - 20.11% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.11%  
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: May-1983 Debt/Income ratio: 22%
Credit score: 660-680 (Aug-2009) Current / open credit lines: 18 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:6y 3m
Amount delinquent: $0 Revolving credit balance: $26,356 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 45%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: luvbst 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 historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 100% ) 660-680 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
720-740 (Oct-2008)
640-660 (May-2007)
640-660 (May-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Helping a Friend
Purpose:? Consolidate 2 loans? in order to have enough to help a close friend in need and spread expenses over time,

Ability and reliability to pay:? I previously had a $10K Prosper loan which I paid on time in 24 months.Although I am???????? credited here with 6.5 years of City employment, I have bought 6.5 years of military and previous City employment so am???????? currently credited with a total of 13 years for retirement purposes
Income:
? Pension?????????? 1911
? Salary????????????? 5650
???????????????????????????????? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?? ? 7561 (Gross)?????????????
? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? 5240 (Net)? ???????????
Mo expenses:
? Housing:????????????????????? ? ?? ? 609
? Insurance???????????????????? ? ???? 60
? Car expenses:????????????? ? ??? 200
? Utilities:?????????????????????? ????? 100
? Phone, cable, internet:????? 150?
? Entertainment ? ? ? ? ? ? ? ? ?? 265
? Food, Groceries??? ? ? ? ? ? ?? 650
? Loans & Credit ? ? ? ? ? ? ? ?? 1450
? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?? ? ?? 3484???


Misc expenses ? ?????? ? ? ? ? ?? 550

Son's education?????????????????? 600
???????????? TOTAL ??????????????????????????????????????????????????? 4634
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: It is great to help friends or family. Can you tell how soon are you planning to pay off this loan? Thanks. - cybercop45
A: Prosper is giving me 3 years to pay off the loan. However, like the last Prosper loan, I like to maintain credibility and reliability so I make it my goal to selttle within 2 - 2 1/2 years. Payment is not dependent on whether or not my friend pays me back on time. (Sep-09-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Cthulu$25.00$25.008/31/2009 3:46:13 PM
liederhaus$50.00$50.008/31/2009 3:50:13 PM
euphoria8$25.00$25.008/31/2009 3:46:17 PM
Credit2Prosper$25.00$25.008/31/2009 3:59:53 PM
beachfunder$50.00$50.008/31/2009 7:46:37 PM
AuroraRobbin$50.00$50.009/1/2009 11:45:02 AM
tacopants$50.00$50.009/1/2009 11:25:17 AM
AF_Trust$25.00$25.009/1/2009 6:51:18 PM
Frenchynh$25.00$25.009/1/2009 8:06:39 PM
compassion-paladin042$25.00$25.009/1/2009 8:20:38 PM
GRI$50.00$50.009/1/2009 8:40:22 PM
Dreams4Cash$25.00$25.009/1/2009 9:06:31 PM
Georgetastic$25.00$25.009/1/2009 9:27:31 PM
Gabriel02$25.00$25.009/2/2009 10:23:58 AM
yomanie$25.00$25.009/2/2009 11:52:31 AM
new-goal-return$25.00$25.009/2/2009 7:07:56 AM
bid-papyrus$50.00$50.009/2/2009 9:32:01 AM
UCLA4life$25.00$25.009/3/2009 8:06:22 AM
money-shaker$25.00$25.009/3/2009 12:02:22 PM
Hexnut$25.00$25.009/3/2009 3:15:15 PM
bmarch$25.00$25.009/3/2009 11:26:12 AM
Gbrad88$50.00$50.009/3/2009 3:36:20 PM
All_Wins$25.00$25.009/3/2009 3:15:11 PM
monticello$29.04$29.049/3/2009 3:16:00 PM
kulender$25.00$25.009/4/2009 5:28:52 AM
nicklds$25.00$25.009/3/2009 10:05:33 PM
Cutts$25.00$21.229/4/2009 6:50:28 AM
wwwUniversal$25.00$25.009/7/2009 7:51:59 AM
randsenterprise$25.00$25.009/8/2009 5:14:42 PM
PapaBear55$25.00$25.009/9/2009 2:40:13 AM
thegreatstrafe$25.00$25.009/9/2009 4:27:04 PM
fireferd$100.00$100.009/10/2009 1:19:56 AM
Ray3486$25.00$25.009/10/2009 6:53:35 AM
little_shark_J$25.00$25.009/10/2009 12:26:25 PM
guardian3$25.00$25.009/10/2009 2:49:58 PM
dorypro$25.00$25.009/10/2009 4:51:22 PM
Astyanax$25.00$25.009/10/2009 8:45:54 PM
golffish2$50.00$50.009/11/2009 4:28:32 AM
IIP77$33.76$33.769/11/2009 4:08:33 AM
axelducheck$25.00$25.008/31/2009 4:07:04 PM
Personal-Bond$50.00$50.008/31/2009 4:11:16 PM
bid-wonder$25.00$25.008/31/2009 4:02:57 PM
ethicalhumanist$25.00$25.008/31/2009 4:06:17 PM
Top_Gun_Lender$27.00$27.008/31/2009 5:04:20 PM
interstellar$50.00$50.008/31/2009 5:16:33 PM
zento$25.00$25.009/1/2009 9:31:58 AM
Bank_Of_XL$50.00$50.009/1/2009 7:12:10 AM
Weaverville$41.14$41.149/1/2009 9:30:25 PM
unequivocal-velocity$50.00$50.009/1/2009 9:20:38 PM
MissionMicroFinance$25.00$25.009/1/2009 9:56:12 PM
djd50$25.00$25.009/2/2009 4:20:52 AM
fireboss$100.00$100.009/2/2009 11:27:10 AM
rmachi$25.00$25.009/2/2009 8:11:29 AM
income-rocker2$25.00$25.009/2/2009 9:50:39 AM
FeedTheMachine$150.00$150.009/2/2009 2:15:20 PM
dparkhom$25.00$25.009/2/2009 2:05:32 PM
flexible1$25.00$25.009/2/2009 7:50:21 PM
festivecpl$25.00$25.009/2/2009 8:27:37 PM
five-star-justice$36.00$36.009/2/2009 5:55:35 PM
gilbow$25.00$25.009/2/2009 8:28:25 PM
head$25.00$25.009/3/2009 8:10:31 AM
chekat$25.00$25.009/3/2009 8:37:15 AM
Sol_Invictus$25.00$25.009/3/2009 5:09:25 AM
JDFuego$25.00$25.009/3/2009 6:20:53 AM
rjleves$25.00$25.009/3/2009 8:31:29 AM
Dollars4Rent$25.00$25.009/3/2009 8:14:28 AM
testobsessed$100.00$100.009/3/2009 10:54:17 AM
seisen$50.00$50.009/3/2009 11:25:45 AM
KiwiElf$25.00$25.009/3/2009 12:04:04 PM
Brainworm$25.00$25.009/3/2009 2:17:55 PM
ramsbladder$25.00$25.009/3/2009 2:51:01 PM
Madron$25.00$25.009/3/2009 2:27:49 PM
hanuman77$50.00$50.009/3/2009 3:14:59 PM
Bigheadboy$25.00$25.009/3/2009 8:06:39 PM
tornandfrayed$25.00$25.009/3/2009 3:21:09 PM
scottr$25.00$25.009/4/2009 6:16:30 AM
restech$25.00$25.009/3/2009 5:15:55 PM
credit-maestro$50.00$50.009/4/2009 1:17:49 PM
the-profit-oracle$25.00$25.009/8/2009 6:07:41 AM
buffalobills$25.00$25.009/8/2009 2:06:58 PM
CA_Lender$25.00$25.009/8/2009 5:41:36 PM
NJournalist$25.00$25.009/9/2009 4:00:04 PM
billybragg$25.00$25.009/9/2009 5:04:24 PM
mpatrick$100.00$100.009/10/2009 8:59:11 AM
rbgnr111$36.84$36.849/10/2009 9:26:48 PM
carmat60$25.00$25.009/11/2009 2:19:40 AM
86 bids
 
Borrower Payment Dependent Notes Series 421363
This series of Notes was issued and sold upon the funding of the borrower loan #38491, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction start date:  Aug-24-2009 
Term: 36 months Estimated loss: 14.0% Auction end date:  Sep-07-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 35.05% Final monthly payment: $43.00
 
Auction yield range: 14.18% - 34.00% Estimated loss impact: 15.38%  
Lender servicing fee: 1.00% Estimated return: 14.62%  
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: Mar-1989 Debt/Income ratio: 16%
Credit score: 640-660 (Aug-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:11y 11m
Amount delinquent: $0 Revolving credit balance: $8,901 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Homeownership: No  
Inquiries last 6m: 5    
Screen name: j_man 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 640-660 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
640-660 (Jul-2009)
620-640 (Apr-2009)
640-660 (Mar-2008)
 
Principal balance: $3,967.52 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Family Vacation
Purpose of loan:
This loan will be used to take my family of 5 on a much needed vacation.

My financial situation:
I've worked for the same employer for 12 years and have a steady dual income household. I have a current prosper loan I used to consolidate debt that is paid on time every month.


Thanks for the help!?
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
BidderAmount BidAmount WinningBid Date (PT)
LeoBUSIIT$25.00$25.008/28/2009 11:39:57 AM
sweety075$25.00$25.009/3/2009 10:16:50 PM
unk1911$25.00$25.009/4/2009 4:17:13 PM
fireferd$100.00$100.009/5/2009 8:25:31 AM
feedpaulyfaster$25.00$25.009/5/2009 9:10:50 PM
maga$25.00$25.009/5/2009 10:24:21 AM
festivecpl$25.00$25.009/5/2009 2:03:30 PM
jbloans$25.00$25.009/5/2009 2:26:28 PM
bigdees$50.00$50.009/6/2009 3:55:46 AM
jhernand17$25.00$25.009/6/2009 4:19:45 PM
Moe87$27.68$27.689/7/2009 11:51:39 AM
Happyhourcomics$25.00$25.009/7/2009 12:07:55 PM
glazeddonuts$25.00$25.009/6/2009 11:08:32 PM
axelducheck$25.00$25.009/7/2009 12:30:14 PM
rate-farm3$313.20$127.169/7/2009 12:35:53 PM
rate-farm3$60.87$60.878/31/2009 7:38:39 PM
EEasyMoney$25.00$25.009/3/2009 7:59:12 PM
Credit2Prosper$25.00$25.009/4/2009 5:37:14 AM
mrxtravis$25.00$25.009/4/2009 7:26:54 PM
zapquoc$25.00$25.009/6/2009 6:16:19 PM
NC_Capital_Funding$25.00$25.009/6/2009 11:36:05 AM
Sparchange$39.29$39.299/6/2009 3:10:17 PM
unbeatable-wealth$25.00$25.009/6/2009 7:32:12 PM
PotBellyPete$25.00$25.009/7/2009 12:07:24 PM
icanloanit2u$35.00$35.009/7/2009 1:16:51 PM
Sudoku$25.00$25.009/7/2009 2:23:43 PM
mobius_titan$25.00$25.009/7/2009 3:34:56 PM
dorypro$25.00$25.009/7/2009 12:17:16 PM
Engineer44$35.00$35.009/7/2009 3:50:22 PM
29 bids
 
Borrower Payment Dependent Notes Series 421685
This series of Notes was issued and sold upon the funding of the borrower loan #38555, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction start date:  Aug-24-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Sep-07-2009 
 
Starting lender yield: 12.93% Starting borrower rate/APR: 13.93% / 16.09% Starting monthly payment: $341.44
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $327.39
 
Auction yield range: 4.18% - 12.93% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
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-1993 Debt/Income ratio: 34%
Credit score: 760-780 (Aug-2009) Current / open credit lines: 18 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:22y 7m
Amount delinquent: $0 Revolving credit balance: $35,644 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: fairness-igloo1 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 Highest Interest C Cards
Purpose of loan:
This loan will be used to?
consolidate highest interest rate credit card debt.
My financial situation:
I am a good candidate for this loan because?

A) I pay my bills on time even in the face of hardships (set aside some money to make required cc payments until housing market turns around
??? and I can consolidate debts into another refinance)

B) Some banks don't appreciate the customers who go by the rules (lowering credit lines/raising interest rates on best customers causing havoc with?
??? FICO?score). Best way to get even is to not pay them one more dime of interest.

C) Investors here could use a decent return on their money more then some banks who got our taxpayer money anyway.




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: Would you be able to detail your outstanding CC balances and rates? Can you detail your revolving credit balance? Thank you. - catalystcf
A: American Express Blue $250 @ 10.9% Capital One Visa $7050 @ 13.9% Capital One MC $900 @ 13.9% Capital One MC $3800 @ 13.9% S. Fl. Credit Union Visa $4450 @ 10.0% Wells Fargo Visa $3450 @ 0.0% Chase Visa $4700 @ 2.9% Chase MC $10,400 @ 14.9% Chase (Formerly Wamu) $8100 @ 18.9% (Was supposed to be 1.9% for the lifetime. of the balance) This is the card I plan to pay off. Balances due to major home improvements. Will consolidate the rest with.. surrendered annuity, refi. (Sep-04-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jgar_O$30.00$30.008/24/2009 3:59:36 PM
honorable-yield$50.00$50.008/24/2009 4:16:07 PM
bchen78875$50.00$50.008/24/2009 4:16:44 PM
Cherrypicker06$25.00$25.008/24/2009 4:00:45 PM
seasportsguy$25.00$25.008/24/2009 9:57:42 PM
don8ter$60.00$60.008/24/2009 4:15:53 PM
cash-sensai2$25.00$25.008/24/2009 4:16:36 PM
lagnisiruk$25.00$25.008/25/2009 11:38:21 AM
AP2PLender$25.00$25.008/26/2009 10:42:39 AM
understanding-marketplace$100.00$100.008/26/2009 9:33:07 AM
vegibenz$29.27$29.278/26/2009 9:58:07 AM
kenji4861$27.98$27.988/26/2009 4:09:33 PM
mathprof$25.00$25.008/26/2009 5:12:46 PM
brightest-revenue-spark$25.00$25.008/26/2009 5:52:58 PM
McChan$100.00$100.008/26/2009 8:10:28 PM
DrStaff$33.14$33.148/27/2009 1:09:35 AM
LuckySF$50.00$50.008/27/2009 10:38:53 AM
personal-lender$25.00$25.008/27/2009 11:49:22 AM
thedoctor$25.00$25.008/27/2009 11:28:12 AM
Coach2often$50.00$50.008/27/2009 5:47:37 PM
lowrate$25.00$25.008/28/2009 11:54:52 AM
mh1169$25.00$25.008/28/2009 11:49:10 AM
Turkish101$25.00$25.008/28/2009 7:45:15 PM
reefer$50.00$50.008/29/2009 9:05:39 AM
blackstar$25.00$25.008/29/2009 5:15:41 AM
five-star-justice$36.00$36.008/30/2009 3:30:29 PM
elated-justice$25.00$25.008/31/2009 5:30:30 AM
js60l$25.00$25.008/30/2009 4:41:00 PM
ClearLake$25.00$25.008/31/2009 7:27:15 AM
Hokiemon$75.00$75.008/31/2009 8:20:21 AM
gm93001$25.00$25.008/31/2009 10:46:39 AM
Cai8899$25.00$25.008/31/2009 9:31:23 AM
impartial-deal$25.00$25.008/31/2009 10:46:09 AM
sparky1129$25.00$25.008/31/2009 2:26:34 PM
cyberie21$30.76$30.768/31/2009 4:11:44 PM
hobodave$25.00$25.008/31/2009 4:46:28 PM
kyomoon$77.07$77.078/31/2009 4:49:17 PM
fortytwo$125.00$125.008/31/2009 4:43:43 PM
income-excellence1$25.00$25.008/31/2009 5:08:25 PM
Patter256$25.00$25.008/31/2009 5:08:32 PM
Jassi$25.82$25.828/31/2009 5:09:09 PM
longisland47m$25.00$25.008/31/2009 5:09:48 PM
BigBoy2008$25.00$25.008/31/2009 4:53:11 PM
lowestghost$25.00$25.008/31/2009 5:09:15 PM
woodenshoes$100.00$100.008/31/2009 5:05:33 PM
tallcoolone$25.00$25.009/1/2009 6:01:51 AM
wormdc$25.00$25.008/31/2009 11:15:20 PM
szetowski$25.00$25.009/1/2009 3:20:39 AM
zbfamwl$25.00$25.009/1/2009 7:50:24 AM
bruin558$80.00$80.009/1/2009 7:16:33 AM
pipopirate$25.00$25.009/1/2009 9:06:41 AM
SourDoughSteve$25.00$25.009/1/2009 10:56:22 AM
Syzygy$25.00$25.009/1/2009 3:04:32 PM
Hogpilot$25.00$25.009/1/2009 2:30:37 PM
FirstPlaceBusinessFunding$25.00$25.009/2/2009 9:33:04 AM
benroo$25.00$25.009/1/2009 9:05:20 PM
djd50$25.00$25.009/2/2009 4:20:28 AM
captainack$25.00$25.009/2/2009 8:45:41 AM
bid-papyrus$50.00$50.009/2/2009 9:32:25 AM
grf1945$25.00$25.009/2/2009 11:11:35 AM
revthunder$50.00$50.009/2/2009 3:05:47 PM
nhm$50.00$50.009/2/2009 11:01:32 AM
miamiwill$25.00$25.009/2/2009 12:36:43 PM
Warbler$25.00$25.009/2/2009 12:35:29 PM
money-shaker$25.00$25.009/2/2009 3:05:52 PM
truth-companion$25.00$25.009/2/2009 8:26:50 PM
Raetha$25.00$25.009/2/2009 8:27:43 PM
godspeed237$25.00$25.009/3/2009 7:50:29 AM
NATIVEBORN$34.10$34.109/2/2009 8:29:19 PM
head$25.00$25.009/2/2009 8:36:39 PM
Divot$25.00$25.009/2/2009 8:55:17 PM
djs81$25.00$25.009/2/2009 8:26:17 PM
Ellisdee$37.83$37.839/2/2009 8:26:51 PM
RussianPrincess$51.69$51.699/2/2009 8:28:38 PM
Elbanko$25.00$25.009/2/2009 8:51:40 PM
rlecour$25.00$25.009/3/2009 5:40:16 AM
mikeleib$25.00$25.009/3/2009 9:36:47 AM
sail120$25.00$25.009/3/2009 9:37:54 AM
dadalou$25.00$25.009/3/2009 9:38:28 AM
ok$25.00$25.009/3/2009 1:03:49 PM
skydiver111$25.00$25.009/3/2009 1:15:40 PM
enticing-funds$25.00$25.009/3/2009 12:32:58 PM
bxdoc$100.00$100.009/3/2009 4:15:14 PM
mscomeaux$25.00$25.009/3/2009 2:45:31 PM
nicklds$25.00$25.009/3/2009 10:10:19 PM
order-prospector$28.94$28.949/4/2009 6:16:40 AM
RICHMONDREB$25.00$25.009/3/2009 5:05:36 PM
velocity-turtle$25.00$25.009/4/2009 7:28:17 AM
deal-mover$25.00$25.009/4/2009 8:15:34 AM
namd$50.00$50.009/3/2009 6:06:41 PM
Residuum$25.00$25.009/4/2009 8:15:40 AM
ProfPC$25.00$25.009/3/2009 11:25:19 PM
crossborders$25.00$25.009/4/2009 5:05:39 AM
DadWarbucks$41.10$41.109/4/2009 7:30:37 AM
Adino$50.00$50.009/4/2009 7:30:50 AM
TheGoodSamaritan$25.00$25.009/4/2009 7:35:17 AM
trade-watcher$25.00$25.009/4/2009 10:18:12 AM
thesupplier$25.00$25.009/4/2009 11:19:32 AM
all_of_that_one$25.00$25.009/4/2009 11:00:13 AM
krishopper$25.00$25.009/4/2009 11:39:07 AM
JLEND926121$25.00$25.009/4/2009 11:45:51 AM
keyfig$25.00$25.009/4/2009 3:20:12 PM
kayakg$25.00$25.009/4/2009 3:21:58 PM
wampum-proton$25.00$25.009/4/2009 3:22:06 PM
Norcal$25.00$25.009/4/2009 2:56:00 PM
leeball$40.26$40.269/4/2009 2:56:41 PM
Railbird$25.00$25.009/4/2009 2:57:00 PM
Sigonio$25.00$25.009/4/2009 2:58:54 PM
dlshap$25.00$25.009/4/2009 3:27:48 PM
cheng$25.00$25.009/4/2009 2:56:10 PM
paddatjie$25.00$25.009/4/2009 2:56:39 PM
superchicken$25.00$25.009/4/2009 2:58:56 PM
wealth-mogul534$25.00$25.009/4/2009 3:19:13 PM
AJSinvest$25.00$25.009/4/2009 2:59:27 PM
zyztemboy$25.00$25.009/4/2009 3:20:29 PM
LordKinbote$25.00$25.009/4/2009 3:21:12 PM
geekguy$25.00$25.009/4/2009 3:38:00 PM
brstern2$25.00$25.009/4/2009 3:41:26 PM
TheRiver08$25.00$25.009/4/2009 3:43:07 PM
KaiserRex$25.00$25.009/4/2009 3:19:05 PM
Dave0$25.00$25.009/4/2009 3:44:02 PM
laststrawman$25.00$25.009/4/2009 3:20:06 PM
incbx$26.90$26.909/4/2009 3:48:11 PM
red-sublime-return$25.00$25.009/4/2009 3:22:57 PM
Sam65$25.00$25.009/4/2009 3:23:15 PM
tsui517$25.00$25.009/4/2009 3:29:14 PM
Cleon$25.00$25.009/4/2009 3:30:20 PM
fotep-financial$25.00$25.009/4/2009 3:41:25 PM
RoyFauntleroy$25.00$25.009/4/2009 3:43:06 PM
Veloce$40.31$40.319/4/2009 3:37:35 PM
hodap2001$25.00$25.009/4/2009 3:43:00 PM
TCayce$25.00$25.009/4/2009 3:43:30 PM
BklynLender$25.00$25.009/4/2009 3:43:37 PM
JagFan$25.00$25.009/4/2009 3:45:54 PM
Pro-Lender$25.00$25.009/4/2009 8:01:24 PM
rudy510s$50.00$50.009/4/2009 11:37:29 PM
morpholog$25.00$25.009/4/2009 5:45:16 PM
AustinAmerica$25.47$9.829/4/2009 7:02:07 PM
bkb7484$25.00$25.009/5/2009 4:54:36 AM
TJ643$25.00$25.009/5/2009 8:36:03 AM
wizard750$50.00$50.009/5/2009 10:15:12 AM
rdextra$25.00$25.009/6/2009 9:35:58 AM
lendinstuff$25.00$25.009/6/2009 10:30:24 AM
All_Wins$25.00$25.009/5/2009 5:30:15 PM
bmbanzai$25.00$25.009/5/2009 6:20:34 PM
veryfastlender$25.00$25.009/5/2009 10:06:10 PM
SeaLoans$25.00$25.009/6/2009 6:55:38 AM
Jinja$25.00$25.009/6/2009 8:18:56 AM
impartial-deal$25.00$25.009/6/2009 9:34:11 PM
perlindc$25.00$25.009/7/2009 5:40:21 AM
kulender$100.00$100.009/7/2009 6:33:00 AM
Raser$25.00$25.009/7/2009 5:35:19 AM
Faura$25.00$25.009/7/2009 6:30:25 AM
Charmart$25.00$25.009/7/2009 8:50:34 AM
ritwik$50.00$50.009/7/2009 8:27:17 AM
StanTheMan$25.00$25.009/7/2009 3:05:51 PM
PotBellyPete$25.00$25.009/7/2009 3:13:09 PM
bobnewt$50.00$50.009/7/2009 3:49:45 PM
elasermd$50.00$50.008/24/2009 3:57:49 PM
Moron_Buffet$25.00$25.008/24/2009 4:16:00 PM
DukSerduk$25.00$25.008/24/2009 4:16:26 PM
anton$50.00$50.008/24/2009 4:16:49 PM
Artist_Blue$25.00$25.008/24/2009 3:59:20 PM
Sid-K$50.00$50.008/24/2009 4:16:18 PM
skuba$50.00$50.008/24/2009 4:16:31 PM
credit-investor5$50.00$50.008/24/2009 4:17:05 PM
kenyonhillbilly$50.00$50.008/25/2009 7:13:05 AM
testobsessed$100.00$100.008/26/2009 9:53:58 AM
888168$50.00$50.008/26/2009 5:13:03 PM
market-assembler$25.00$25.008/26/2009 5:12:40 PM
Goodlender42$25.00$25.008/26/2009 5:28:59 PM
buckyhead2000$25.00$25.008/26/2009 5:30:26 PM
gold-tsunami$25.00$25.008/27/2009 10:37:38 AM
BookandLaw$25.00$25.008/27/2009 11:49:18 AM
yield-blanket$25.00$25.008/27/2009 11:28:27 AM
aesop$25.00$25.008/27/2009 3:18:05 PM
Halos2002$28.37$28.378/27/2009 3:32:53 PM
CoolHelp$25.00$25.008/27/2009 10:17:50 PM
TK4$25.00$25.008/28/2009 11:53:02 AM
bowdish1$26.32$26.328/28/2009 3:43:22 PM
cowboyskier$27.06$27.068/28/2009 1:19:07 PM
slartibardfast$30.00$30.008/28/2009 3:17:57 PM
XD2005$25.00$25.008/29/2009 9:02:02 AM
tayzak$25.00$25.008/30/2009 4:40:58 PM
Gabriel02$25.00$25.008/30/2009 5:31:35 AM
BuildingBestLife$25.00$25.008/30/2009 4:57:34 PM
LenderIntegrity24$25.00$25.008/30/2009 7:55:30 PM
abuyama22$25.00$25.008/31/2009 5:30:38 AM
museic1$50.00$50.008/31/2009 10:45:38 AM
ethicalhumanist$25.00$25.008/31/2009 10:36:34 AM
shanedog$25.00$25.008/31/2009 4:39:51 PM
hampa$25.00$25.008/31/2009 4:43:27 PM
totoro$25.00$25.008/31/2009 4:47:43 PM
goofy15975$25.00$25.008/31/2009 4:50:02 PM
Avala$25.00$25.008/31/2009 4:52:36 PM
Disha_Sagar$35.00$35.008/31/2009 8:35:29 PM
Sandeman$25.00$25.009/1/2009 9:31:50 AM
MissionMicroFinance$25.00$25.009/1/2009 10:48:30 AM
911$25.00$25.009/1/2009 9:31:04 AM
Yaj$25.00$25.009/1/2009 10:55:27 AM
Gene47$100.00$100.009/1/2009 3:28:07 PM
tlp43$25.00$25.009/1/2009 12:07:59 PM
anakinsolo$25.00$25.009/1/2009 6:50:24 PM
namd$50.00$50.009/1/2009 4:50:46 PM
DrPalaber$25.00$25.009/1/2009 6:10:31 PM
new-goal-return$25.00$25.009/2/2009 7:07:42 AM
compatible-diversification$25.00$25.009/2/2009 9:31:06 AM
ShowMeLender$25.00$25.009/2/2009 9:32:55 AM
Kame$25.00$25.009/2/2009 6:27:14 AM
miked8303$25.00$25.009/2/2009 10:54:55 AM
LoanGiver$25.00$25.009/2/2009 11:06:55 AM
mizount$25.00$25.009/2/2009 5:35:25 AM
bobby4u3$25.00$25.009/2/2009 9:32:50 AM
MidnightBank$25.00$25.009/2/2009 10:00:16 AM
pi31415$25.00$25.009/2/2009 10:16:46 AM
BayShell$37.40$37.409/2/2009 11:06:17 AM
MonkeyPet$25.00$25.009/2/2009 3:50:41 PM
Sixmil$25.00$25.009/2/2009 8:27:10 PM
aajwm$50.00$50.009/3/2009 3:20:25 AM
the-financier814$25.00$25.009/2/2009 4:40:27 PM
Landselott$25.00$25.009/2/2009 8:25:53 PM
rjleves$25.00$25.009/2/2009 8:26:49 PM
Wart126$25.00$25.009/2/2009 8:26:54 PM
yank918$25.00$25.009/2/2009 7:05:37 PM
jct_enterprises$25.00$25.009/2/2009 7:20:17 PM
szetheli$50.00$50.009/3/2009 9:44:00 AM
JJS180$25.00$25.009/2/2009 8:26:57 PM
nick5454$31.65$31.659/3/2009 8:10:28 AM
htargett$25.00$25.009/3/2009 10:02:01 AM
bigdogsafety1$25.00$25.009/3/2009 10:20:21 AM
AndersenWatcher$25.00$25.009/3/2009 3:22:09 PM
rmachi$25.00$25.009/3/2009 3:36:33 PM
jt88$25.00$25.009/3/2009 12:50:24 PM
decisive-capital$25.00$25.009/3/2009 4:10:22 PM
lincs$25.00$25.009/3/2009 12:50:39 PM
Natronpee$25.00$25.009/3/2009 8:20:34 PM
majormoves1$25.00$25.009/3/2009 3:35:48 PM
YogaDude34$93.76$93.769/3/2009 3:32:22 PM
andycheb$25.00$25.009/3/2009 3:56:36 PM
ChristopherHS$25.00$25.009/3/2009 5:00:27 PM
shopzone$25.00$25.009/4/2009 8:15:32 AM
outofoffice$50.00$50.009/3/2009 8:23:05 PM
GenerousGentleMan$25.00$25.009/3/2009 8:27:24 PM
tisiphone$25.00$25.009/3/2009 8:45:35 PM
naniamo$25.00$25.009/4/2009 7:20:17 AM
gogmagog$26.81$26.819/4/2009 7:35:26 AM
diverse2$40.00$40.009/4/2009 8:10:20 AM
Skady3love$25.00$25.009/4/2009 10:17:58 AM
Bizern$33.21$33.219/4/2009 11:08:34 AM
GElender$26.88$26.889/4/2009 11:38:59 AM
KiwiElf$30.00$30.009/4/2009 11:40:11 AM
gilbow$25.00$25.009/4/2009 11:40:25 AM
OLYVRC$25.00$25.009/4/2009 2:57:10 PM
yogi1975$25.00$25.009/4/2009 2:12:43 PM
cool_kubera$50.00$50.009/4/2009 3:20:01 PM
supe11$25.00$25.009/4/2009 3:20:25 PM
IndianChief$25.00$25.009/4/2009 3:22:06 PM
sajitp$25.00$25.009/4/2009 3:22:18 PM
dumbass$25.00$25.009/4/2009 2:56:08 PM
ronkr$31.17$31.179/4/2009 2:56:24 PM
USMC0311$25.00$25.009/4/2009 2:56:46 PM
BoutYeBank$25.00$25.009/4/2009 2:57:03 PM
ADenny$25.00$25.009/4/2009 2:58:32 PM
albatross897$25.00$25.009/4/2009 3:27:46 PM
stensonb$25.00$25.009/4/2009 3:28:24 PM
b-rent$25.00$25.009/4/2009 2:55:55 PM
eyewillfindu$25.00$25.009/4/2009 3:17:59 PM
Zoomie$25.00$25.009/4/2009 3:30:22 PM
amijo$44.88$44.889/4/2009 3:20:07 PM
virtualbank$25.00$25.009/4/2009 3:22:01 PM
willingnjc$25.00$25.009/4/2009 3:22:44 PM
help_each_other$25.00$25.009/4/2009 3:41:24 PM
treeline$39.82$39.829/4/2009 3:17:25 PM
financelover$25.00$25.009/4/2009 3:43:08 PM
Spyder1$25.00$25.009/4/2009 3:19:08 PM
puifais$25.00$25.009/4/2009 3:19:47 PM
yenom$25.00$25.009/4/2009 3:19:56 PM
BGILlender$25.00$25.009/4/2009 3:47:11 PM
Theboof$25.00$25.009/4/2009 3:22:36 PM
Aleut$25.00$25.009/4/2009 3:30:05 PM
lostontheedge$25.00$25.009/4/2009 3:38:32 PM
shawnw2$25.00$25.009/4/2009 3:40:37 PM
eggzie$25.00$25.009/4/2009 3:41:27 PM
reueljw$25.00$25.009/4/2009 3:42:10 PM
rcr549$25.00$25.009/4/2009 3:42:23 PM
Guerrilla_Man$25.00$25.009/4/2009 4:20:46 PM
rulender$47.17$47.179/4/2009 3:43:12 PM
gethsemane4$25.00$25.009/4/2009 3:29:24 PM
ebusinessagent$25.00$25.009/4/2009 3:43:19 PM
sisepuede$25.00$25.009/4/2009 3:30:33 PM
Searlzy$25.00$25.009/4/2009 3:47:54 PM
icefish$50.00$50.009/4/2009 3:38:28 PM
bradwill$47.10$47.109/4/2009 3:41:18 PM
windfall46$25.00$25.009/4/2009 3:43:11 PM
richmondcowboy$50.00$50.009/4/2009 6:08:40 PM
TH99$25.00$25.009/5/2009 6:35:13 AM
palpbert$25.00$25.009/5/2009 7:25:26 AM
ALVO$25.00$25.009/4/2009 4:25:20 PM
asset-numero-uno$100.00$100.009/5/2009 4:31:50 PM
gilbrear$25.00$25.009/5/2009 6:20:09 PM
CULPEPPERGROUP$25.00$25.009/6/2009 6:35:25 AM
gothampark$25.00$25.009/6/2009 7:29:20 PM
camaraderi-entrepreneur$25.00$25.009/7/2009 6:11:04 AM
d3global$25.00$25.009/7/2009 6:30:11 AM
interstellar$50.00$50.009/7/2009 6:55:13 AM
DrDavid63$25.00$25.009/6/2009 7:26:04 PM
oldman68$25.00$25.009/7/2009 12:40:52 AM
yogi1975$25.00$25.009/7/2009 12:49:37 PM
seattleslug$30.00$30.009/7/2009 8:50:25 AM
LPSolutions$25.00$25.009/7/2009 10:32:42 AM
PaulW$25.00$25.009/7/2009 8:20:14 AM
kumpa2u$50.00$50.009/7/2009 12:26:53 PM
veggiecats$50.00$50.009/7/2009 10:28:34 AM
BankOfFrankFairness$27.41$27.419/7/2009 10:46:18 AM
ski1965$25.00$25.009/7/2009 12:53:07 PM
best-generosity-financier$25.00$25.009/7/2009 3:54:11 PM
fostaman$25.00$25.009/7/2009 3:41:05 PM
newfoundation$25.00$25.009/7/2009 3:41:09 PM
318 bids
 
Borrower Payment Dependent Notes Series 421891
This series of Notes was issued and sold upon the funding of the borrower loan #38494, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction start date:  Aug-27-2009 
Term: 36 months Estimated loss: 10.0% Auction end date:  Sep-09-2009 
 
Starting lender yield: 30.01% Starting borrower rate/APR: 31.01% / 33.40% Starting monthly payment: $129.02
Final lender yield: 25.35% Final borrower rate/APR: 26.35% / 28.68% Final monthly payment: $121.43
 
Auction yield range: 11.18% - 30.01% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.72%  
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: Mar-1994 Debt/Income ratio: 9%
Credit score: 660-680 (Aug-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 44Length of status:8y 3m
Amount delinquent: $0 Revolving credit balance: $1,811 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Homeownership: No  
Inquiries last 6m: 4    
Screen name: iwantoutofdebt Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 660-680 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
600-620 (Aug-2007)
 
Principal balance: $788.75 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
2nd Prosper Loan-Pay Taxes
Purpose of loan:
Pay Taxes

My financial situation:
I took my first prosper loan out 2 years ago to help me get out of the payday loan cycle.? I was able to break that cycle.?In addition, we used the profit?from the?sale of our home to eliminate our huge credit card debt, so we are in a much better financial situation.

I wanted to address something in the Borrower's Profile that lenders see-

***The 13 delinquencies listed on my credit report all occurred during the time we were dealing with the credit card companies. This was approximately a?six month period, and previous to that time and since that time there have been no delinquencies. We managed to eliminate 85K in credit card debt without filing bankruptcy, and never intend to return to the bondage of credit cards.

My husband?returned to college full time to pursue a degree in Engineering. He will finish in Dec.2010. We owe 3000.00 to the IRS for our 2008 income taxes. I have an extension on filing until October 15th, and paid 90% of the taxes, so there will be no penalties. ?Although we have the money in savings to pay this tax bill, I would prefer to be able to make monthly payments,?maintaining savings for school related expenses.

I am employed as an accountant, and have been with?my company for 8 ? years.

Monthly net income: $ 2798

Expenses:
Housing: $ 750
Car Insurance: $ 200.00(Cars are all paid off)
Utilities: $ 200
Groceries: $400
Gas: $200.00
Gym:$75
Prosper Loan #1-71.00
Chase Credit Card-23.00

Total Expenses: $ 1919.00

$879.00 left to pay prosper loan payment.

Bills I will pay with Prosper Loan:
IRS-3000.00

I appreciate your time and consideration in funding my loan. Please view my payment history for my 1st Prosper loan, and know that I will honor my payments to you, as I have done my other Prosper lenders.? I make my Prosper payment through automatic deduction, and will do the same with this loan.? 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
BidderAmount BidAmount WinningBid Date (PT)
jgar_O$25.00$25.008/28/2009 3:17:42 PM
bear_money$100.00$100.009/1/2009 9:39:17 AM
wyogirllender$25.00$25.009/1/2009 11:39:27 AM
goofy15975$25.00$25.009/1/2009 6:59:10 PM
Dreams4Cash$25.00$25.009/1/2009 9:06:25 PM
MissionMicroFinance$25.00$25.009/1/2009 7:22:57 PM
yomanie$25.00$25.009/2/2009 11:52:15 AM
Artist_Blue$25.00$25.009/2/2009 7:22:00 AM
ksubd$50.00$50.009/2/2009 11:34:30 PM
UCLA4life$25.00$25.009/3/2009 8:06:13 AM
JDFuego$25.00$25.009/3/2009 6:20:45 AM
Halos2002$50.00$50.009/3/2009 8:22:17 AM
testobsessed$100.00$100.009/3/2009 10:54:13 AM
SNH$25.00$25.009/3/2009 7:45:21 PM
honorable-yield$25.00$25.009/4/2009 10:22:40 AM
dinero-mason$50.00$50.009/4/2009 9:05:25 AM
wampum-proton$25.00$25.009/4/2009 11:25:25 AM
brmar$25.00$25.009/4/2009 11:30:43 AM
ChrisTJ$25.00$25.009/4/2009 11:33:37 AM
bid-papyrus$25.00$25.009/4/2009 1:50:12 PM
punctual-worth$25.00$25.009/4/2009 11:23:59 AM
GElender$25.00$25.009/4/2009 11:46:30 AM
KevinC_63366$25.00$25.009/4/2009 4:26:25 PM
mojii77$25.00$25.009/4/2009 5:06:23 PM
decisive-capital$50.00$50.009/4/2009 4:23:20 PM
willingnjc$25.00$25.009/4/2009 4:26:32 PM
andrewrobison$25.00$25.009/5/2009 7:05:20 AM
sharp-credit$200.00$200.009/5/2009 7:23:29 AM
natecam$25.00$25.009/5/2009 7:35:21 PM
xana-rocky$25.00$25.009/5/2009 9:37:27 PM
impressive-loan$25.00$25.009/5/2009 7:16:40 AM
asset-numero-uno$50.00$50.009/5/2009 5:02:01 PM
Jinja$50.00$50.009/6/2009 9:42:16 AM
power-thinker$50.00$50.009/6/2009 6:16:21 PM
hyrolln$25.00$25.009/6/2009 6:16:39 PM
malcolmreynolds$25.00$25.009/7/2009 8:45:02 AM
slcchad$25.00$25.009/6/2009 10:47:15 PM
skro$25.00$25.009/7/2009 10:25:34 AM
khamlagirl$25.00$25.009/7/2009 10:38:36 AM
festivecpl$50.00$50.009/7/2009 5:09:11 PM
Corporal$25.00$25.009/7/2009 5:23:42 PM
jeffe43$50.00$50.009/7/2009 9:04:09 PM
wwwUniversal$25.00$25.009/7/2009 9:27:25 PM
carmat60$25.00$25.009/8/2009 12:55:06 AM
bxdoc$50.00$50.009/8/2009 4:24:19 PM
goodcents$25.00$25.009/8/2009 8:03:56 PM
carmat60$25.00$25.009/9/2009 1:25:59 AM
oregonusa$25.00$25.009/8/2009 6:30:50 PM
EEasyMoney$25.00$25.009/9/2009 6:50:28 AM
COtheBeast$25.00$25.009/8/2009 5:31:36 PM
sweety075$25.00$25.009/8/2009 10:04:50 PM
realtormoises$25.00$25.009/8/2009 7:20:41 PM
golffish2$50.00$50.009/9/2009 4:06:33 AM
paradiseinvestor$50.00$50.009/8/2009 10:21:15 AM
aprilapril$25.00$25.008/28/2009 3:37:38 PM
AF_Trust$25.00$25.009/1/2009 6:51:10 PM
rmachi$25.00$25.009/2/2009 8:13:12 AM
personal-lender$25.00$25.009/2/2009 12:55:01 PM
mathprof$25.00$25.009/4/2009 10:21:51 AM
kmavm$25.00$25.009/4/2009 10:59:49 AM
anton$25.00$25.009/4/2009 11:03:36 AM
lagnisiruk$25.00$25.009/4/2009 11:04:06 AM
Papa_Mema$50.00$50.009/4/2009 3:47:38 PM
dparkhom$25.00$25.009/4/2009 3:52:22 PM
gold-blanket$50.00$50.009/4/2009 4:26:36 PM
saffron4$25.00$25.009/4/2009 9:20:22 PM
ajk_blue$25.00$25.009/5/2009 7:25:13 AM
SV-AZ$25.00$25.009/5/2009 11:19:38 PM
PotBellyPete$25.00$25.009/5/2009 5:05:28 PM
lawyervon$25.00$25.009/6/2009 9:45:39 AM
p2p-allocator$25.00$5.359/7/2009 2:46:26 PM
twjh$25.00$25.009/7/2009 6:59:20 AM
CPAMAN$25.00$25.009/7/2009 12:45:21 PM
Credit2Prosper$25.00$25.009/7/2009 3:45:28 PM
LeoBUSIIT$25.00$25.009/7/2009 8:45:24 PM
mroew$29.65$29.659/8/2009 8:17:46 AM
ORteacher$40.00$40.009/8/2009 1:29:44 PM
crw1950$50.00$50.009/8/2009 3:12:11 PM
cippy$100.00$100.009/8/2009 7:36:33 PM
malomar66$50.00$50.009/8/2009 10:38:33 PM
lakini18$50.00$50.009/8/2009 5:33:17 PM
credit-missile$50.00$50.009/9/2009 4:22:48 AM
fireferd$100.00$100.009/8/2009 9:57:49 PM
83 bids
 
Borrower Payment Dependent Notes Series 421895
This series of Notes was issued and sold upon the funding of the borrower loan #38523, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: C Auction start date:  Aug-25-2009 
Term: 36 months Estimated loss: 6.5% Auction end date:  Sep-08-2009 
 
Starting lender yield: 20.11% Starting borrower rate/APR: 21.11% / 23.36% Starting monthly payment: $75.46
Final lender yield: 15.00% Final borrower rate/APR: 16.00% / 18.18% Final monthly payment: $70.31
 
Auction yield range: 8.18% - 20.11% Estimated loss impact: 6.84%  
Lender servicing fee: 1.00% Estimated return: 8.16%  
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-1991 Debt/Income ratio: 30%
Credit score: 660-680 (Aug-2009) Current / open credit lines: 20 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 40Length of status:1y 1m
Amount delinquent: $0 Revolving credit balance: $14,771 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 69%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: witty-camaraderi Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to? make necessary repairs to my house.

My financial situation:
I am a good candidate for this loan because? I always pay my debts. I have a great job that I enjoy and it pays well. My wife also works and contributes to our household obligations.

Monthly net income: $ 3100

Monthly expenses: $ 2600
??Housing: $ 750
??Insurance: $ 100
??Car expenses: $ 350
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 100
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
BidderAmount BidAmount WinningBid Date (PT)
Bronxpsy$25.00$25.008/28/2009 1:10:42 PM
curious166$75.00$75.008/28/2009 4:41:47 PM
jgwood$32.66$32.668/29/2009 8:17:37 AM
UKJase$25.00$25.008/29/2009 9:09:54 AM
Catalina_Enterprises$70.00$70.008/31/2009 9:51:27 AM
Mission1$25.00$25.008/31/2009 9:47:38 PM
unbeatable-wealth$25.00$25.008/31/2009 8:24:24 PM
lenderrn$43.05$43.059/1/2009 10:53:14 AM
outofoffice$50.00$50.009/1/2009 7:46:49 PM
maven2$50.00$50.009/2/2009 1:01:41 PM
beans53$25.00$25.009/3/2009 2:54:20 PM
BuzzyBee336$25.00$25.009/7/2009 9:46:25 AM
gothampark$25.00$25.009/7/2009 4:01:56 PM
maga$111.00$111.009/8/2009 8:42:47 AM
thefisherman$25.00$25.009/7/2009 11:03:15 PM
sknop64$25.00$25.009/7/2009 8:19:46 PM
Bizern$25.00$25.009/8/2009 7:15:44 AM
EODLEGS$25.00$25.009/8/2009 11:13:22 AM
glenium$25.00$25.009/8/2009 10:34:05 AM
bondo41$25.00$25.009/8/2009 12:06:27 PM
dorypro$25.00$25.009/8/2009 12:13:53 PM
havok555$40.00$40.009/8/2009 3:25:33 PM
eboomer2611$25.00$25.009/8/2009 1:55:17 PM
LAKETIME$25.00$25.009/8/2009 3:48:52 PM
Kyileo$50.00$50.009/8/2009 3:52:17 PM
labyrinth0$25.00$25.009/8/2009 3:55:58 PM
Bank_of_Smitty33$25.00$25.009/8/2009 3:05:26 PM
kinetic-social$25.00$25.009/8/2009 3:25:55 PM
yu-rik$50.00$50.009/8/2009 3:41:28 PM
dpries123$25.00$25.008/26/2009 1:36:25 PM
nbhz60a$25.00$25.008/26/2009 7:31:58 PM
Rothgoe$30.09$30.098/27/2009 2:05:22 PM
cromley$25.93$25.938/28/2009 5:01:46 PM
IIP77$37.40$22.278/30/2009 7:07:38 PM
loanman2007$50.00$50.008/30/2009 4:48:52 PM
bid-wonder$25.00$25.008/30/2009 6:05:20 PM
brother_tam$50.00$50.008/31/2009 6:22:16 PM
building_community$25.00$25.009/4/2009 6:22:29 AM
SV-AZ$25.00$25.009/3/2009 9:13:57 PM
maccpro1$50.00$50.009/5/2009 11:56:02 AM
carmat60$25.00$25.009/6/2009 12:10:42 AM
gustavholstopus32$25.00$25.009/6/2009 2:11:46 PM
lookin_up$50.00$50.009/7/2009 5:55:39 AM
herman7$25.00$25.009/7/2009 5:21:41 PM
tkr2$25.00$25.009/7/2009 9:09:21 PM
sorace$50.00$50.009/8/2009 9:21:02 AM
dudebrah$25.00$25.009/8/2009 10:06:15 AM
suburbanman64$25.00$25.009/8/2009 8:12:47 AM
zapquoc$25.00$25.009/8/2009 10:49:14 AM
alvinsl$25.00$25.009/8/2009 1:12:44 PM
credit-coach118$25.00$25.009/8/2009 2:33:06 PM
crw1950$50.00$50.009/8/2009 3:07:16 PM
little_shark_J$25.00$25.009/8/2009 3:34:40 PM
best-generosity-financier$25.00$25.009/8/2009 3:56:14 PM
jjsparks28$25.00$25.009/8/2009 4:00:36 PM
pja138$50.00$50.009/8/2009 1:55:34 PM
colorfulgardener$50.00$50.009/8/2009 12:13:04 PM
Feyenoord$25.00$25.009/8/2009 3:22:28 PM
Russh$25.00$25.009/8/2009 3:41:19 PM
59 bids
 
Borrower Payment Dependent Notes Series 422015
This series of Notes was issued and sold upon the funding of the borrower loan #38579, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,300.00 Prosper Rating: C Auction start date:  Aug-26-2009 
Term: 36 months Estimated loss: 6.5% Auction end date:  Sep-09-2009 
 
Starting lender yield: 20.11% Starting borrower rate/APR: 21.11% / 24.02% Starting monthly payment: $49.05
Final lender yield: 19.00% Final borrower rate/APR: 20.00% / 22.89% Final monthly payment: $48.31
 
Auction yield range: 8.18% - 20.11% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.06%  
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-1995 Debt/Income ratio: 40%
Credit score: 640-660 (Aug-2009) Current / open credit lines: 24 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:21y 10m
Amount delinquent: $0 Revolving credit balance: $87,051 Occupation: Executive
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: 0    
Screen name: bubbagracie 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 640-660 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
640-660 (Aug-2008)
 
Principal balance: $2,321.99 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
College Bound Dtr.-needs trans.
Purpose of loan:
This loan will be used to pay off a high?interest loan (HSBC?is 2400) and assist with the addition on our house to make father in law a little more comfortable.? We are short $3800 for this.??

My financial situation:
I am a good candidate for this loan because I am trustworthy, pay my bills on time (I know it appears I have too much credit, because of my debt to income ratio, but one loan for motor home at 11% (1991 winnebago which is up for sale for balance owing), one is for car for daughter, since she wasn't able to get a loan (finance company-honda prelude at 12%, one is HELOC with AG @7.8% fixed), one is new business loan @11%, one is 2006 Expedition @9%) plus various credit cards, one credit card almost maxed for tuition assistance for daughter @11/99%). ?I also have begun some consulting work from my home, and did that loan on my own,without my husbands assistance.
Monthly net income:? $7400

Monthly expenses: $
??Housing: $ 1348.00?Wells Fargo @6.00%? (PITI)
??Insurance: $ Auto is $60 per month, health?insurance fully paid by?employer, same for life?and disability
??Car expenses: $ 200?(I do get a mileage reimbursement which averages $300 per month)
??Utilities: $ 250?
??Phone, cable, internet:? $99?(comcast bundle)
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2500 (includes those items I've mentioned above)
??Other expenses: $ 50
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: I know folks want to get their investment back, but it won't be three years Prosper states in the payment amount. She actually wants to help pay this back so I would say it should go no longer than one year. Happy to answer any other questions. (Aug-31-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
McChan$50.00$50.008/26/2009 8:36:20 PM
bid-wonder$25.00$25.008/30/2009 6:05:22 PM
Madron$50.00$50.009/2/2009 6:49:37 PM
Madron$50.00$50.009/2/2009 6:49:30 PM
Madron$50.00$50.009/2/2009 6:49:40 PM
festivecpl$50.00$50.009/2/2009 8:16:34 PM
hellasow$25.00$25.009/3/2009 11:57:02 AM
building_community$25.00$25.009/4/2009 6:24:14 AM
whatreality$25.00$25.009/6/2009 10:34:28 PM
NJournalist$25.00$9.579/7/2009 3:53:10 PM
bxdoc$50.00$50.009/8/2009 5:23:51 AM
LeoBUSIIT$25.00$25.009/7/2009 8:43:34 PM
btormc5$50.00$50.009/8/2009 7:59:01 AM
affluence-tycoon$50.00$50.009/8/2009 4:22:27 PM
pueblopablo$50.00$50.009/8/2009 7:43:12 PM
sweety075$25.00$25.009/8/2009 4:36:59 PM
skaught$29.23$29.239/8/2009 5:36:28 PM
High-flyer$25.00$25.009/9/2009 11:55:46 AM
Bank_of_Smitty33$25.00$25.009/9/2009 2:20:01 AM
mlj0671$50.00$50.009/9/2009 7:03:43 AM
Leshan$60.20$60.209/9/2009 8:50:26 AM
showmethemoney5$50.00$50.009/9/2009 9:50:07 AM
Top_Gun_Lender$51.00$51.008/31/2009 5:02:05 PM
Madron$50.00$50.009/2/2009 6:49:35 PM
Credit2Prosper$25.00$25.009/8/2009 11:51:34 AM
Feyenoord$50.00$50.009/8/2009 3:52:17 PM
labyrinth0$25.00$25.009/8/2009 4:01:59 PM
transaction-animal8$25.00$25.009/8/2009 4:30:32 PM
genuine-diversification5$25.00$25.009/9/2009 4:17:06 AM
credit-missile$50.00$50.009/9/2009 11:10:18 AM
Bank_Of_XL$50.00$50.009/9/2009 7:44:10 AM
maga$100.00$100.009/9/2009 11:04:06 AM
32 bids
 
Borrower Payment Dependent Notes Series 422023
This series of Notes was issued and sold upon the funding of the borrower loan #38520, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction start date:  Aug-28-2009 
Term: 36 months Estimated loss: 18.0% Auction end date:  Sep-11-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 19.95% Final borrower rate/APR: 20.95% / 23.20% Final monthly payment: $94.12
 
Auction yield range: 17.18% - 34.00% Estimated loss impact: 19.12%  
Lender servicing fee: 1.00% Estimated return: 0.83%  
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: 5 First credit line: Mar-2001 Debt/Income ratio: 23%
Credit score: 680-700 (Aug-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $46,921 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: thankyou4thechance 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 680-700 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
620-640 (Jul-2008)
 
Principal balance: $750.12 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Pay Off Debt & Fix Son's Teeth
Purpose of loan:
This loan will be used to? Pay off some credit card debt (including my current Prosper loan)?and pay my portion of my 12 year old son's braces, herbst appliance and other orthodontic work. I would like to get his braces done early while he is still young.
My financial situation:
I am a good candidate for this loan because? I have steady income and I have a good history with Prosper and I pay automactically from my checking account.?It is a win-win for everyone.

Monthly net income: $ 4500 (mine alone)

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 120
??Car expenses: $?800
??Utilities: $ 175
??Phone, cable, internet: $?125
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 200
??Other expenses: $ 150

Thank you for your time and consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I invite you to disclose what the $46K revolving credit debt is all about. - IM-SHARKY
A: The only thing that this $46K revolving credit could be is my line of credit with my mortgage lender, Bank of America. The payment on this is about $114/month. Thank you! (Sep-11-2009)
Q: Can't you get the funds you need from your B of A credit line? - IM-SHARKY
A: I thought about that. However, we got the line of credit when we got the house 5 years ago. It was one of programs the lender used for our loan. In other words, part of our loan for our mortgage went on a traditional mortgage loan and the other part went to a line of credit. I actually tried contacting BOA to refinance, but they said we don't have enough equity to refinance and we don't have any credit available on the line of credit, as it has only been used for the loan on the house. (Sep-11-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IM-SHARKY$2,500.00$2,500.009/11/2009 4:00:12 PM
1 bids
 
Borrower Payment Dependent Notes Series 422165
This series of Notes was issued and sold upon the funding of the borrower loan #38558, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,600.00 Prosper Rating: C Auction start date:  Aug-27-2009 
Term: 36 months Estimated loss: 6.5% Auction end date:  Sep-08-2009 
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.45% Starting monthly payment: $66.18
Final lender yield: 27.00% Final borrower rate/APR: 28.00% / 30.45% Final monthly payment: $66.18
 
Auction yield range: 8.18% - 27.00% Estimated loss impact: 7.15%  
Lender servicing fee: 1.00% Estimated return: 19.85%  
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-1993 Debt/Income ratio: 21%
Credit score: 640-660 (Aug-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 53Length of status:1y 1m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Social Worker
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 26 Homeownership: No  
Inquiries last 6m: 1    
Screen name: gentle-trade Borrower's state: Michigan 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 payday loans
Purpose of loan:
This loan will be used to pay off high interest loans that I took out to help my family.

My financial situation:
I am a good candidate for this loan because I have learned how to budget money despite some mistakes in my past (a bankruptcy).? I have late payments in the past because I was trying to sell a house and the lender recomeded that I stop making payments so that I could?qualify for a short sale.?Looking back this may not have been the best course of action as it eventually led to my bankruptcy filing.

I am a very responsible?person and?I? am very careful with my financial decisons.? I was unable to qualify for a tradtional loan due to the bankruptcy and that is why I turned to the pay day loans.? I have a great job and good steady income.? I am able to make monthly payments if someone could give me a chance.?

Monthly net income: $ 3778

Monthly expenses: $
??Housing: $ 550
??Insurance: $ 250
??Car expenses: $ 309
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 630 (payday loan payments)
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
flyinhawaiian$50.00$50.008/27/2009 4:59:07 PM
MOVet$25.00$25.008/28/2009 12:09:02 PM
Syzygy$25.00$25.008/28/2009 8:13:51 PM
lucrative-wealth$25.00$25.008/29/2009 3:01:25 PM
lucrative-wealth$25.00$25.008/29/2009 3:01:41 PM
IPG1$50.00$50.009/1/2009 1:23:12 PM
tacopants$25.00$25.009/1/2009 11:01:56 AM
cippy$50.00$50.009/1/2009 2:01:58 PM
cippy$150.00$150.009/2/2009 2:31:02 PM
blackstar$25.00$25.009/3/2009 7:17:45 AM
Au-Ag-Pt$50.00$50.009/3/2009 12:31:38 PM
tnjohnso$25.00$25.009/3/2009 3:57:20 PM
AuroraRobbin$50.00$50.009/6/2009 4:49:00 PM
Duckman_Dot_Com$25.00$25.009/6/2009 5:15:39 PM
unbeatable-wealth$25.00$25.009/6/2009 7:12:38 PM
bondhedger$25.00$25.009/8/2009 6:32:56 AM
littlemonkey$25.00$25.009/7/2009 4:54:31 PM
jamiee73$25.00$25.009/7/2009 9:05:54 PM
unequivocal-return$50.00$50.009/8/2009 12:46:09 PM
56bones$25.00$25.009/8/2009 2:59:33 PM
randsenterprise$25.00$25.009/8/2009 4:56:16 PM
Madron$50.00$50.008/28/2009 2:54:27 AM
rhin0cerx$48.84$48.848/28/2009 7:41:31 AM
M_V$96.20$96.208/28/2009 8:41:55 AM
ritchie70$25.00$25.008/28/2009 6:54:36 PM
snw_1710$25.00$25.008/29/2009 9:00:27 AM
BradP$50.00$50.008/29/2009 5:43:17 PM
Runegeld$50.00$50.009/1/2009 5:36:47 AM
SeaSkyGuy71$25.00$25.009/1/2009 9:04:21 PM
ksubd$50.00$50.009/2/2009 11:35:43 PM
mrbill5548$25.00$25.009/2/2009 11:40:49 PM
Tevco_Investments$25.00$25.009/3/2009 9:48:28 AM
asmithj$50.00$4.969/3/2009 11:51:36 PM
seasonedinvestor$100.00$100.009/5/2009 4:22:17 PM
NJournalist$25.00$25.009/4/2009 10:14:19 PM
natejx$25.00$25.009/6/2009 7:55:12 AM
osiris$50.00$50.009/6/2009 9:07:41 AM
bartenderpro$25.00$25.009/6/2009 6:01:33 PM
wwwUniversal$25.00$25.009/7/2009 7:56:48 AM
LeoBUSIIT$25.00$25.009/7/2009 8:46:21 PM
zasonsasu1$25.00$25.009/7/2009 4:46:28 PM
TNPCapital$25.00$25.009/8/2009 12:33:32 PM
42 bids
 
Borrower Payment Dependent Notes Series 422281
This series of Notes was issued and sold upon the funding of the borrower loan #38497, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: A Auction start date:  Aug-31-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Sep-14-2009 
 
Starting lender yield: 11.07% Starting borrower rate/APR: 12.07% / 14.20% Starting monthly payment: $66.50
Final lender yield: 9.30% Final borrower rate/APR: 10.30% / 12.41% Final monthly payment: $64.82
 
Auction yield range: 4.18% - 11.07% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.17%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-1977 Debt/Income ratio: 37%
Credit score: 740-760 (Aug-2009) Current / open credit lines: 13 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:9y 10m
Amount delinquent: $0 Revolving credit balance: $24,945 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 68%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: yaro 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 740-760 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
760-780 (Jul-2008)
 
Principal balance: $1,044.61 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Pay down credit cards
Purpose of loan:
This loan will be used to? pay down credit card debt with a reasonable interest rate.

My financial situation:
I am a good candidate for this loan because?I have never missed a payment with Prosper or any other lenders.
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
BidderAmount BidAmount WinningBid Date (PT)
ethicalhumanist$25.00$25.008/31/2009 4:05:52 PM
justin323$25.00$25.008/31/2009 5:29:37 PM
LOANMAN614$25.00$25.009/1/2009 4:37:19 PM
irishcocacola$50.00$50.009/1/2009 5:50:38 PM
kaneco$31.85$31.859/1/2009 8:32:45 PM
twerns$25.00$25.009/1/2009 7:51:55 PM
businessguy29$25.00$25.009/2/2009 2:22:37 PM
market-assembler$25.00$25.009/2/2009 8:27:26 PM
Richmp412$25.00$25.009/3/2009 9:04:12 AM
kinetic-social$25.00$25.009/3/2009 3:51:32 PM
westermannk$50.00$50.009/3/2009 10:53:25 PM
Erikdbp$25.00$25.009/4/2009 5:45:53 PM
Supernick$200.00$200.009/7/2009 9:24:03 PM
dreamhope$25.00$25.009/8/2009 10:33:35 AM
2Below$25.00$25.009/8/2009 1:33:46 PM
dpries123$25.00$25.009/9/2009 7:43:11 AM
agile$100.00$100.009/10/2009 7:32:24 PM
fortytwo$33.24$33.249/10/2009 4:58:22 PM
dhallii$31.00$31.009/12/2009 5:48:03 AM
EVS$25.00$25.009/11/2009 8:45:42 PM
nicola78$100.00$100.009/12/2009 7:34:30 PM
zapquoc$25.00$25.009/14/2009 12:47:01 AM
Bakeman02$25.00$25.009/14/2009 8:07:42 AM
UncleSafety$50.00$50.009/14/2009 3:04:15 PM
PThor$50.00$50.009/14/2009 2:04:01 PM
bid-wonder$25.00$25.008/31/2009 4:03:04 PM
outofoffice$89.91$89.919/1/2009 7:41:12 PM
Jassi$25.00$25.009/1/2009 9:27:20 PM
Kame$25.00$24.009/2/2009 6:27:26 AM
the-profit-oracle$25.00$25.009/2/2009 2:50:26 PM
LittleMingo$25.00$25.009/2/2009 6:31:52 PM
festivecpl$25.00$25.009/2/2009 8:39:39 PM
hellasow$25.00$25.009/3/2009 12:14:40 PM
MrLeft$25.00$25.009/4/2009 6:11:55 AM
unbeatable-wealth$25.00$25.009/5/2009 10:25:42 AM
impartial-deal$25.00$25.009/7/2009 5:05:36 PM
asset-numero-uno$100.00$100.009/7/2009 11:32:03 PM
unequivocal-velocity$50.00$50.009/8/2009 6:00:43 PM
OoM$25.00$25.009/9/2009 12:16:07 PM
bankofriverside$40.00$40.009/10/2009 7:38:33 AM
CULPEPPERGROUP$25.00$25.009/10/2009 4:03:17 PM
SkipMcGrath$50.00$50.009/11/2009 12:14:38 PM
spiff666$25.00$25.009/11/2009 8:20:26 PM
JerryB96$25.00$25.009/12/2009 5:35:05 PM
skijesseski$25.00$25.009/12/2009 4:37:31 PM
mikey7$25.00$25.009/12/2009 8:52:26 PM
gothampark$25.00$25.009/13/2009 3:53:23 PM
Vegan-Girl$50.00$50.009/14/2009 4:22:02 AM
kf88$50.00$50.009/14/2009 9:14:39 AM
buckyhead2000$25.00$25.009/14/2009 1:19:00 PM
bzanlo33$50.00$50.009/14/2009 3:37:59 PM
51 bids
 
Borrower Payment Dependent Notes Series 422393
This series of Notes was issued and sold upon the funding of the borrower loan #38564, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction start date:  Aug-31-2009 
Term: 36 months Estimated loss: 19.0% Auction end date:  Sep-14-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
Final lender yield: 27.00% Final borrower rate/APR: 28.00% / 30.62% Final monthly payment: $62.05
 
Auction yield range: 17.18% - 34.00% Estimated loss impact: 20.57%  
Lender servicing fee: 1.00% Estimated return: 6.43%  
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: 5 First credit line: Sep-1993 Debt/Income ratio: 5%
Credit score: 620-640 (Aug-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:6y 10m
Amount delinquent: $0 Revolving credit balance: $2,644 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Homeownership: No  
Inquiries last 6m: 2    
Screen name: jemsmom 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 620-640 (Latest)
Principal borrowed: $1,300.00< mo. late: 0 ( 0% )  
520-540 (Apr-2008)
 
Principal balance: $882.02 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Moving on With My Life
Purpose of loan:
This loan will be used to? to finally move on with my life and divorce my estranged husband. He continues to threaten to force the sale of my family home in order to take the minimum 25% he is allowed under the "dowers rights" law that is still on the books here in Ohio. This loan will be used for attorney fees to negate this threat to my family's well being.

My financial situation:
I am a good candidate for this loan because? I have continued to improve my financial situation since being granted my first loan in April 2008. I have fully rehabilitated my student loan debt and have paid off many bills in the last year. I have never missed a payment with Prosper. I share my family home with my elderly mother and two children. I am solidly employed and expect I will be until retirement.

Monthly net income: $ 2682

Monthly expenses: $
??Housing: $ -0-
??Insurance: $ 82
??Car expenses: $ 100
??Utilities: $?250
??Phone, cable, internet: $?200
??Food, entertainment: $ 450
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 400 (Student loan and small credit cards I pay off regularly)
??Other expenses: $?60 (Prosper 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
Q: Hey jemsmom- I know it seems trivial in light of what you are recovering from but what were the two inquiries in the last 6 months? Thanks and best of luck with your listing. - bondhedger
A: Hi bondhedger! Thanks for your question. It's not trivial at all. The first is likely the bank card ($300 limit) I applied for and received. The other is from Care Credit, I believe, which financed the extensive dental work I had to have in August. That's the largest part of my consumer debt (it is issued like a credit card) which is why it shows my credit utilization at 91%(I wish they did that differently). It is no interest for 12 months. I really appreciate your interest. Thank-you. (Sep-12-2009)
Q: Another 30+% loan... Are you sure this is the way you have to go? I'll bid but I hope others will drive down the interest rate. Good luck to you! - mclean_loaner
A: I have a plan to get it paid off fairly quickly. I appreciate your willingness to bid and take a chance on me. I'm confident it will all work out in the end. Thank-you. (Sep-14-2009)
Q: You've got a 37.73%APR attached to this new Prosper loan request; and a 37.20%APR attached to your existing Prosper loan. Are those very high rates the LOWEST initial rates you could have gotten for those loans based on your profile? - IM-SHARKY
A: I'm still working on my credit. Other types of personal loans were out of the question in these times. I am confident I will have this paid off fairly quickly. I appreciate your bid and won't let you down. thank-you. (Sep-14-2009)
Q: It seems you didn't "get" my main point: I believe you're paying a higher rate of interest on your Prosper loans than you would have had YOU set the LOWEST possible INITIAL rate Prosper would've allowed you to. - IM-SHARKY
A: You are correct. I did not understand your question. The interest rate was the suggested interest rate by Prosper based on the fact they still consider me high risk. (Sep-14-2009)
Q: I consider you a good investment! So, I drove the rate down so you could be able to focus on paying off the first loan rather than this loan. Next time, email me. - karmanxten
A: You are a gem! Thanks for your confidence...I'll do my level best to live up to it. (Sep-14-2009)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
shingtai$31.54$31.549/12/2009 8:34:44 PM
d34dfish$25.00$25.009/13/2009 8:14:01 AM
golffish2$50.00$50.009/14/2009 4:25:36 AM
dstolars$25.00$25.009/13/2009 1:57:04 PM
Robbdogg$57.51$57.519/14/2009 7:11:52 AM
mclean_loaner$50.00$50.009/13/2009 5:55:52 PM
zxr$25.00$25.009/14/2009 8:10:38 AM
karmanxten$1,500.00$17.669/14/2009 9:03:55 AM
karmanxten$500.00$500.009/14/2009 10:05:55 AM
LoanDMC$25.00$25.009/14/2009 11:20:39 AM
ZOOOM$75.00$75.009/14/2009 11:22:35 AM
martymaniaman$25.00$25.009/14/2009 11:53:58 AM
maga$100.00$100.009/14/2009 12:54:38 PM
loans_to_loan$25.00$25.009/14/2009 3:22:55 PM
infomas$50.00$50.009/14/2009 11:21:20 AM
beans53$25.00$25.009/11/2009 8:51:54 AM
emance$50.00$50.009/11/2009 6:50:22 PM
sweety075$25.00$25.009/13/2009 5:43:30 PM
bst$39.11$39.119/13/2009 11:00:44 AM
jchurchi$79.18$79.189/13/2009 8:05:14 PM
EEasyMoney$25.00$25.009/14/2009 8:19:51 AM
Bobusa$25.00$25.009/14/2009 5:12:56 AM
golffish2$50.00$50.009/14/2009 9:45:38 AM
investment-cluster$25.00$25.009/14/2009 9:30:24 AM
johnpmid$25.00$25.009/14/2009 3:23:56 PM
tashara$25.00$25.009/14/2009 3:42:35 PM
best-generosity-financier$25.00$25.009/14/2009 3:48:13 PM
27 bids
 
Borrower Payment Dependent Notes Series 422431
This series of Notes was issued and sold upon the funding of the borrower loan #38517, 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:  Sep-01-2009 
Term: 36 months Estimated loss: 0.6% Auction end date:  Sep-05-2009 
 
Starting lender yield: 8.13% Starting borrower rate/APR: 9.13% / 12.67% Starting monthly payment: $31.86
Final lender yield: 6.90% Final borrower rate/APR: 7.90% / 11.42% Final monthly payment: $31.29
 
Auction yield range: 3.18% - 8.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.30%  
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: Nov-1988 Debt/Income ratio: 12%
Credit score: 780-800 (Sep-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $3,180 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: EvCarr1010 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 100% ) 780-800 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
740-760 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Fixing Suspension on Car
Purpose of loan:
This loan will be used to?
pay for auto repairs

My financial situation:
I am a good candidate for this loan because?
I have a steady income and job security for several years.
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
BidderAmount BidAmount WinningBid Date (PT)
mtp$50.00$50.009/1/2009 4:05:15 PM
F_r_e_d_s__B_a_n_k$25.00$25.009/1/2009 4:15:52 PM
turbospeed$25.00$25.009/1/2009 4:05:54 PM
greenback-floret$25.00$25.009/1/2009 4:09:40 PM
aesop$25.00$25.009/1/2009 7:30:20 PM
goofy15975$25.00$25.009/1/2009 6:58:59 PM
fairmaiden$25.00$25.009/2/2009 8:22:19 AM
bid-papyrus$50.00$25.009/2/2009 9:43:04 AM
Dollars4Rent$25.00$25.009/2/2009 7:49:23 AM
marwadi-62$200.00$200.009/3/2009 5:52:52 PM
ChristopherHS$25.00$25.009/1/2009 4:05:32 PM
SchaeferJ$25.00$25.009/1/2009 4:12:26 PM
little_shark_J$25.00$25.009/1/2009 4:11:21 PM
Personal-Bond$50.00$50.009/1/2009 4:16:46 PM
ethicalhumanist$25.00$25.009/1/2009 4:10:11 PM
Moron_Buffet$25.00$25.009/1/2009 6:32:33 PM
amit_gu$50.00$50.009/1/2009 8:36:04 PM
thedoctor$50.00$50.009/2/2009 9:36:49 AM
The-Lighthouse-Group$25.00$25.009/3/2009 8:46:39 AM
JACJ$25.00$25.009/4/2009 3:24:38 AM
westermannk$25.00$25.009/3/2009 11:38:20 PM
blot44$50.00$50.009/4/2009 7:18:18 PM
festivecpl$100.00$100.009/4/2009 8:05:31 PM
freetolive$25.00$25.009/4/2009 6:49:18 PM
investmentgroup$25.00$25.009/5/2009 2:33:43 PM
25 bids
 
Borrower Payment Dependent Notes Series 422669
This series of Notes was issued and sold upon the funding of the borrower loan #38503, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: AA Auction start date:  Sep-01-2009 
Term: 36 months Estimated loss: 1.5% Auction end date:  Sep-09-2009 
 
Starting lender yield: 10.48% Starting borrower rate/APR: 11.48% / 13.60% Starting monthly payment: $164.83
Final lender yield: 9.05% Final borrower rate/APR: 10.05% / 12.16% Final monthly payment: $161.45
 
Auction yield range: 3.18% - 10.48% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.54%  
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: Nov-1994 Debt/Income ratio: 18%
Credit score: 820-840 (Sep-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:5y 6m
Amount delinquent: $0 Revolving credit balance: $2,655 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 6%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: NoVALending 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
Transitional expenses for my move
Purpose of loan:
This loan will be used to help me with transition expenses while moving from my house to an apartment.? I decided that I wanted to move closer to work, and have completed the move.? I still own my house and already have tenants renting with a?year lease.? During the transition, I put approximately 2,000 on my credit card to provide move-in fees for the apartment as well as prepare the house for tenants.? Rather than let the expenses stay on the credit card, I am a big fan of consolidating.? I will also use the rest of the loan to buy bedroom furniture for my new place, as well as re-invest?a small portion back into Prosper.? I am also a lender in Prosper, and hold over 50 notes.

My financial situation:
I am a good candidate for this loan because?my finances are stable, I?have a?solid job as a network operations manager, and have plenty of ?capital backing, as I own a house and a condo.? I just don't want to have anything sitting on my credit card, and I also want to experience the borrowing side of Prosper to know more about the process.
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
BidderAmount BidAmount WinningBid Date (PT)
turbospeed$25.00$25.009/1/2009 4:05:56 PM
five-star-justice$36.00$36.009/1/2009 4:07:37 PM
Iwantahelp$25.00$25.009/1/2009 4:08:06 PM
lagnisiruk$25.00$25.009/1/2009 4:08:11 PM
bchen78875$50.00$50.009/1/2009 4:09:16 PM
understanding-marketplace$100.00$100.009/1/2009 4:09:32 PM
gold-tsunami$25.00$25.009/1/2009 4:09:51 PM
Syzygy$25.00$25.009/1/2009 4:06:11 PM
ChristopherHS$25.00$25.009/1/2009 4:18:54 PM
honorable-yield$50.00$50.009/1/2009 4:08:31 PM
brightest-revenue-spark$25.00$25.009/1/2009 4:48:36 PM
DrStaff$30.85$30.859/1/2009 4:48:40 PM
Moron_Buffet$25.00$25.009/1/2009 4:10:29 PM
szetowski$25.00$25.009/1/2009 4:10:47 PM
Halos2002$50.00$50.009/1/2009 4:11:19 PM
Hogpilot$25.00$25.009/1/2009 4:12:02 PM
kenyonhillbilly$35.55$35.559/1/2009 4:12:25 PM
jgar_O$30.00$30.009/1/2009 4:08:19 PM
Cherrypicker06$25.00$25.009/1/2009 4:08:22 PM
don8ter$60.00$60.009/1/2009 4:08:27 PM
DukSerduk$25.00$25.009/1/2009 4:08:42 PM
credit-investor5$50.00$50.009/1/2009 4:09:28 PM
greenback-floret$25.00$25.009/1/2009 4:09:41 PM
elasermd$50.00$50.009/1/2009 4:09:45 PM
seasportsguy$25.00$25.009/1/2009 4:09:48 PM
personal-lender$25.00$25.009/1/2009 4:09:56 PM
CommerciaLender$25.00$25.009/1/2009 4:10:25 PM
wormdc$25.00$25.009/1/2009 4:10:42 PM
LuckySF$50.00$50.009/1/2009 7:25:38 PM
16888$50.00$50.009/2/2009 3:54:18 AM
Credit2Prosper$50.00$50.009/2/2009 8:27:26 AM
benroo$25.00$25.009/1/2009 9:05:36 PM
F_r_e_d_s__B_a_n_k$25.00$25.009/2/2009 8:25:19 AM
compatible-diversification$25.00$25.009/2/2009 9:31:19 AM
LoanGiver$25.00$25.009/2/2009 11:07:22 AM
little_shark_J$25.00$25.009/2/2009 12:44:19 PM
kenji4861$50.00$50.009/2/2009 11:40:27 AM
Gold_Coin$25.00$25.009/2/2009 1:32:58 PM
nhm$49.81$49.819/2/2009 6:01:24 PM
yank918$25.00$25.009/2/2009 7:06:04 PM
buckyhead2000$25.00$25.009/2/2009 8:29:26 PM
The-Lighthouse-Group$35.00$35.009/3/2009 8:42:32 AM
ajk_blue$25.00$25.009/3/2009 10:15:52 AM
mscomeaux$25.00$25.009/3/2009 2:45:58 PM
TJ-Financial-Group$40.47$40.479/3/2009 1:31:03 PM
bowdish1$50.00$50.009/3/2009 4:17:59 PM
building_community$25.00$25.009/4/2009 6:21:46 AM
LendAHand24$25.00$25.009/4/2009 8:01:36 AM
Traal$25.00$25.009/4/2009 10:23:13 AM
cowboyskier$41.18$41.189/4/2009 11:46:26 AM
wwwUniversal$25.00$25.009/4/2009 11:43:53 AM
nolahelper$50.00$50.009/4/2009 12:37:10 PM
blot44$50.00$50.009/4/2009 7:19:40 PM
thedoctor$25.00$25.009/5/2009 4:35:26 PM
MGS$50.00$50.009/5/2009 11:11:02 PM
investmentgroup$25.00$25.009/5/2009 2:34:09 PM
vinayski$25.00$25.009/6/2009 5:35:24 PM
festivecpl$25.00$25.009/6/2009 12:20:21 PM
medman$122.55$120.249/6/2009 11:15:17 AM
impartial-deal$25.00$25.009/6/2009 9:25:30 PM
888168$50.00$50.009/7/2009 7:30:36 AM
curious166$100.00$100.009/7/2009 10:35:11 AM
JJS180$25.00$25.009/7/2009 2:06:32 PM
djs81$25.00$25.009/7/2009 7:00:32 PM
mikeandcat$50.00$50.009/8/2009 9:06:23 AM
cwm3651$25.00$25.009/7/2009 6:50:22 PM
EJO$25.00$25.009/7/2009 7:05:37 PM
outofoffice$50.00$50.009/7/2009 9:01:04 PM
tranquil-balance$25.00$25.009/8/2009 12:09:58 PM
minatoku$50.00$50.009/8/2009 1:49:24 PM
nuclearmoose$25.00$25.009/8/2009 1:04:29 PM
top-unflappable-economy$25.00$25.009/8/2009 7:58:58 PM
IceFisherman$100.00$100.009/8/2009 4:28:01 PM
Artist_Blue$25.00$25.009/1/2009 4:08:16 PM
testobsessed$100.00$100.009/1/2009 4:09:37 PM
turbostar666$32.04$32.049/1/2009 4:10:30 PM
goofy15975$25.00$25.009/1/2009 4:10:36 PM
KHU2-B$25.00$25.009/1/2009 4:10:48 PM
Cai8899$25.00$25.009/1/2009 4:07:48 PM
gm93001$25.00$25.009/1/2009 4:07:56 PM
Sid-K$50.00$50.009/1/2009 4:08:35 PM
cash-sensai2$25.00$25.009/1/2009 4:09:02 PM
anton$25.00$25.009/1/2009 4:09:24 PM
AP2PLender$25.00$25.009/1/2009 4:11:09 PM
zento$25.00$25.009/1/2009 4:12:05 PM
ClearLake$25.00$25.009/1/2009 4:12:23 PM
baroo$25.00$25.009/1/2009 4:07:31 PM
blackstar$25.00$25.009/1/2009 4:07:34 PM
skuba$50.00$50.009/1/2009 4:08:49 PM
ethicalhumanist$25.00$25.009/1/2009 4:10:13 PM
MissionMicroFinance$25.00$25.009/1/2009 7:15:43 PM
PalmTreeIsland$50.00$50.009/1/2009 4:12:10 PM
MidnightBank$25.00$25.009/1/2009 5:21:45 PM
TexasLender2007$25.00$25.009/1/2009 4:18:52 PM
FlyFlyBuggie$25.00$25.009/1/2009 7:48:43 PM
coast2coastproducts$117.00$117.009/2/2009 7:29:23 AM
bid-papyrus$50.00$50.009/2/2009 10:46:23 AM
Hokiemon$25.00$25.009/2/2009 12:30:15 PM
Goodlender42$25.00$25.009/2/2009 9:42:23 AM
fairmaiden$25.00$25.009/2/2009 8:23:47 AM
swiftsoul$25.00$25.009/2/2009 11:20:36 AM
preciouschild$200.00$200.009/2/2009 3:55:09 PM
rjleves$25.00$25.009/3/2009 8:31:12 AM
aesop$25.00$25.009/2/2009 8:27:52 PM
vegibenz$31.65$31.659/3/2009 11:19:56 AM
ok$25.00$25.009/3/2009 1:04:15 PM
minista$25.00$25.009/3/2009 10:17:45 AM
RICHMONDREB$25.00$25.009/3/2009 5:06:01 PM
hotwired$25.00$25.009/3/2009 9:55:13 PM
tisiphone$25.00$25.009/3/2009 8:45:56 PM
crossborders$25.00$25.009/4/2009 5:06:14 AM
CULPEPPERGROUP$25.00$25.009/4/2009 6:26:15 AM
building_community$25.00$25.009/4/2009 6:21:59 AM
jetblack$50.00$50.009/4/2009 10:25:21 AM
Jassi$25.00$25.009/4/2009 12:40:24 PM
Avala$25.00$25.009/4/2009 12:55:28 PM
BoughtTheFarm$25.00$25.009/4/2009 3:22:39 PM
108lender$75.00$75.009/4/2009 4:04:54 PM
enriching-payout$25.00$25.009/5/2009 9:10:43 AM
all_of_that_one$25.00$25.009/5/2009 12:35:23 PM
yield-quest$25.00$25.009/5/2009 4:45:10 PM
asset-numero-uno$100.00$100.009/5/2009 4:32:14 PM
museic1$25.00$25.009/6/2009 8:35:24 AM
TK4$25.00$25.009/6/2009 8:40:31 AM
festivecpl$25.00$25.009/6/2009 12:21:01 PM
stonechip$40.21$40.219/7/2009 6:05:11 AM
kumpa2u$50.00$50.009/7/2009 12:27:07 PM
LoanDMC$50.00$50.009/7/2009 10:18:45 AM
unequivocal-velocity$100.00$100.009/7/2009 9:28:59 PM
mathprof$25.00$25.009/7/2009 8:00:23 PM
noble-revenue$25.00$25.009/8/2009 10:05:19 AM
ski1965$25.00$25.009/8/2009 2:31:10 PM
justice-excellency$50.00$50.009/8/2009 11:37:16 AM
Feyenoord$25.00$25.009/8/2009 6:24:45 PM
134 bids
 
Borrower Payment Dependent Notes Series 422959
This series of Notes was issued and sold upon the funding of the borrower loan #38512, 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:  Sep-04-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Sep-10-2009 
 
Starting lender yield: 10.33% Starting borrower rate/APR: 11.33% / 13.69% Starting monthly payment: $49.34
Final lender yield: 9.30% Final borrower rate/APR: 10.30% / 12.65% Final monthly payment: $48.61
 
Auction yield range: 4.18% - 10.33% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.17%  
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-1994 Debt/Income ratio: 13%
Credit score: 700-720 (Sep-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $5,642 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 18%Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: affluence-saber 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
Sweating b/c of no A/C!
Purpose of loan:
This loan will be used to repair the A/C unit in my only means of transporation. The mechanic also suggested I needed to get 4 new tires.

My financial situation:
I am a good candidate for this loan because I have a?fun, secure position as an optometrist.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 100
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
BidderAmount BidAmount WinningBid Date (PT)
Syzygy$25.00$25.009/4/2009 3:23:47 PM
don8ter$60.00$60.009/4/2009 3:24:30 PM
honorable-yield$50.00$50.009/4/2009 3:24:35 PM
rjleves$25.00$25.009/4/2009 3:26:50 PM
crossborders$25.00$25.009/4/2009 3:27:28 PM
lagnisiruk$25.00$25.009/4/2009 3:24:14 PM
seasportsguy$25.00$25.009/4/2009 3:25:26 PM
Hogpilot$25.00$25.009/4/2009 3:25:41 PM
LoanGiver$25.00$25.009/4/2009 3:26:06 PM
Goodlender42$25.00$25.009/4/2009 3:26:55 PM
RICHMONDREB$25.00$25.009/4/2009 3:27:22 PM
Sid-K$50.00$50.009/4/2009 3:24:41 PM
understanding-marketplace$100.00$100.009/4/2009 3:25:09 PM
elasermd$50.00$50.009/4/2009 3:25:22 PM
Kame$25.00$25.009/4/2009 3:25:55 PM
packrs1$25.00$25.009/6/2009 11:28:14 AM
glazeddonuts$25.00$25.009/6/2009 10:56:32 PM
unequivocal-velocity$25.00$25.009/8/2009 8:43:01 PM
Cai8899$25.00$25.009/4/2009 3:24:08 PM
Artist_Blue$25.00$25.009/4/2009 3:24:21 PM
DukSerduk$25.00$25.009/4/2009 3:24:45 PM
bchen78875$50.00$50.009/4/2009 3:25:03 PM
personal-lender$25.00$25.009/4/2009 3:26:11 PM
cash-sensai2$25.00$25.009/4/2009 3:24:56 PM
testobsessed$100.00$100.009/4/2009 3:25:13 PM
gm93001$25.00$25.009/4/2009 3:25:49 PM
bid-papyrus$50.00$50.009/4/2009 3:26:02 PM
gold-tsunami$25.00$25.009/4/2009 3:26:20 PM
five-star-justice$36.00$36.009/4/2009 3:26:33 PM
ok$25.00$25.009/4/2009 3:27:04 PM
Cherrypicker06$25.00$25.009/4/2009 3:24:26 PM
skuba$50.00$50.009/4/2009 3:24:51 PM
greenback-floret$25.00$25.009/4/2009 3:25:19 PM
Moron_Buffet$25.00$25.009/4/2009 3:25:45 PM
yank918$25.00$25.009/4/2009 3:26:38 PM
Halos2002$50.00$50.009/4/2009 3:26:43 PM
jgar_O$30.00$30.009/5/2009 10:50:32 AM
all_of_that_one$25.00$24.009/5/2009 12:35:34 PM
marwadi-62$150.00$150.009/6/2009 8:20:18 AM
hebjet$25.00$25.009/8/2009 10:49:41 AM
40 bids
 
Borrower Payment Dependent Notes Series 423137
This series of Notes was issued and sold upon the funding of the borrower loan #38552, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction start date:  Sep-04-2009 
Term: 36 months Estimated loss: 10.0% Auction end date:  Sep-08-2009 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 31.34% Starting monthly payment: $41.03
Final lender yield: 21.90% Final borrower rate/APR: 22.90% / 26.75% Final monthly payment: $38.66
 
Auction yield range: 11.18% - 26.38% Estimated loss impact: 10.53%  
Lender servicing fee: 1.00% Estimated return: 11.37%  
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: Aug-2003 Debt/Income ratio: 18%
Credit score: 640-660 (Sep-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 26Length of status:3y 6m
Amount delinquent: $418 Revolving credit balance: $0 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Homeownership: No  
Inquiries last 6m: 0    
Screen name: kadensauntie Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 82% ) 640-660 (Latest)
Principal borrowed: $1,500.00< mo. late: 2 ( 18% )  
640-660 (Jul-2009)
640-660 (Aug-2008)
 
Principal balance: $1,194.73 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
Extensive Dental Work
Purpose of loan:
This loan will be used to pay for extensive dental work that I need.? I did not enroll in dental insurance when I began my job in March 2006 so when I went to add it after having a lot of tooth pain and infection, I would have to wait at least a year since I would be a late entry.? I am currently in need of two root canals and crowns after suffering from infection.? The procedures that I need are not within my budget to pay all at once.

My financial situation:
I am a good candidate for this loan because I make enough to make monthly payments on the loan.? I also currently have a prosper loan in good standing.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IM-SHARKY$1,000.00$1,000.009/8/2009 7:02:02 AM
1 bids
 
Borrower Payment Dependent Notes Series 423755
This series of Notes was issued and sold upon the funding of the borrower loan #38509, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction start date:  Sep-10-2009 
Term: 36 months Estimated loss: 18.0% Auction end date:  Sep-11-2009 
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $91.64
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 21.22% Final monthly payment: $91.64
 
Auction yield range: 17.18% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
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: 5 First credit line: Apr-1989 Debt/Income ratio: Not calculated
Credit score: 700-720 (Sep-2009) Current / open credit lines: 0 / 0Employment status:Not employed
Now delinquent: 0 Total credit lines: 15Length of status:6y 8m
Amount delinquent: $0 Revolving credit balance: $0Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: silver-pumpkin 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
HELP Middle Class American Family
Purpose of loan:
This loan will be used to help a middle-class family catch-up on bills, stay afloat.
We?have fallen behind on utility bills,?want to eliminate?late fees,?remain current. I don't have to tell you what poor shape the nation's economy is in.
We did debt consolidation for our credit cards, cut them up (literally). Banks won't give personal loans anymore unless your credit is absolutely perfect. Chase (who, we the people, bailed out) has stopped giving personal loans entirely.
I will be married 18 years in October, we had difficulty having children, we now have 2 beautiful girls ages 2 and 4. Our 4 year old is starting school in September, need supplies, clothes.
We just need this extra money to get back in shape, it?s tough out there.

My financial situation:
I am a good candidate for this loan because my husband is a hard working Civil Servant (21 years on the job). I do some babysitting here and there for neighbors, friends. We are honest people; own our own home (6 years). Both born and raised and still live in the Bronx.

Monthly net income: $ 4000

Monthly expenses:
Housing: $ 2000??
Insurance: $ 100??
Car expenses: $ 50??
Utilities: $ 100??
Phone, cable, internet: $ 100??
Food, entertainment: $ 300??
Clothing, household expenses $ 50??
Credit cards and other loans: $ 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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IM-SHARKY$2,500.00$2,500.009/10/2009 6:32:05 PM
1 bids
 
Borrower Payment Dependent Notes Series 420116
This series of Notes was issued and sold upon the funding of the borrower loan #38561, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,100.00 Prosper Rating: E Auction start date:  Sep-08-2009 
Term: 36 months Estimated loss: 14.0% Auction end date:  Sep-13-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $95.00
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $95.00
 
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: May-1995 Debt/Income ratio: 12%
Credit score: 660-680 (Sep-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: speedracer1212 Borrower's state: Michigan 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 660-680 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
660-680 (Jul-2009)
640-660 (Apr-2009)
560-580 (Dec-2007)
 
Principal balance: $799.42 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Score raised over 80pts Student Use
Purpose of Loan: This loan will be used to help my son pay off the balance on his tuition and purchase a reliable vehicle for him

My financial situation: I am a good candidate for this loan because when I took my first prosper loan out it was to re-establish my credit after a self-employment disaster in which I filed for bankruptcy. This was one of the most humiliating experiences I have been through and I never want to go through this again. You will see I have no deliquencies on my credit report and my score has gone up over 80 points. I also have a steady and stable job with a prosperous mining company. I have had this job over 4 years and now gross over $75,000 yrly. We have been able to pay cash for everything that came up this year, medical expenses, dental, Christmas, ect. That is the best feeling to not have those piled up.???EARNING YOUR TRUST IS NOT TAKEN LIGHTLY and your loan bid is much appreciated! THIS LOAN WILL ALSO BE PAID BY AUTOMATIC PAYMENTS SO A PAYMENT WILL NEVER BE MISSED. My total Monthly Income is $3900.00 Total Current outgoing is $2,713.00 which currently leaves us $1187 extra monthly.
Monthly net income: $3900
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: Hi, thank you for your question! I am hoping to repay this loan within the next year. This loan is to help out my son with school costs. We will receive the lifetime school credit and plan to pay it off with that when our taxes are done. Unless he has unforseen expenses arise, that is my goal, otherwise this loan will be paid on time every month until term. Thanks again (Sep-11-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
sweety075$25.00$25.009/8/2009 9:45:54 PM
Jasmel$300.00$300.009/9/2009 6:11:47 AM
Bank_of_Smitty33$50.00$50.009/9/2009 2:10:00 PM
foothillender$25.00$25.009/9/2009 9:13:45 AM
loan-excellency$50.00$50.009/9/2009 10:51:04 AM
wwwUniversal$25.00$25.009/9/2009 5:13:49 PM
festivecpl$100.00$100.009/9/2009 8:07:41 PM
festivecpl$100.00$100.009/9/2009 8:06:00 PM
MONEY_IN_THE_BANK$29.45$29.459/9/2009 11:01:11 PM
Kqwik$31.45$31.459/11/2009 1:34:29 PM
kevlar$25.00$25.009/10/2009 10:51:06 PM
periko$50.00$50.009/11/2009 8:47:43 PM
Mr_Katana$25.00$25.009/12/2009 7:30:11 AM
plbquic$25.00$9.109/12/2009 1:19:18 PM
kingpin1$50.00$50.009/12/2009 3:21:08 PM
stdrgj15$50.00$50.009/13/2009 2:20:15 PM
banker65010$25.00$25.009/13/2009 3:02:31 PM
bobd32$25.00$25.009/8/2009 6:03:43 PM
fallentimbers$25.00$25.009/8/2009 6:59:41 PM
Bank_of_Smitty33$25.00$25.009/9/2009 2:12:52 AM
EEasyMoney$25.00$25.009/9/2009 6:55:30 AM
aztocas$50.00$50.009/9/2009 6:36:49 AM
victor111$50.00$50.009/9/2009 9:32:33 AM
periko$50.00$50.009/9/2009 5:13:22 PM
EEasyMoney$25.00$25.009/10/2009 7:40:07 AM
Engineer44$30.00$30.009/10/2009 2:55:34 PM
hektek22$300.00$300.009/10/2009 10:00:00 PM
mrbill5548$50.00$50.009/10/2009 10:04:36 PM
buffalobills$25.00$25.009/11/2009 3:31:17 PM
jgar_O$25.00$25.009/12/2009 6:35:39 AM
emance$50.00$50.009/11/2009 6:54:22 PM
planky$50.00$50.009/12/2009 9:42:19 AM
DannyPhantom$25.00$25.009/12/2009 10:10:31 AM
ZOOOM$75.00$75.009/12/2009 2:57:35 PM
SFBank$200.00$200.009/13/2009 7:14:07 PM
skater$25.00$25.009/13/2009 6:50:25 PM
36 bids
 
Borrower Payment Dependent Notes Series 420966
This series of Notes was issued and sold upon the funding of the borrower loan #38570, 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-18-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Sep-01-2009 
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $202.16
Final lender yield: 10.50% Final borrower rate/APR: 11.50% / 13.63% Final monthly payment: $197.86
 
Auction yield range: 4.18% - 12.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.37%  
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-1995 Debt/Income ratio: 20%
Credit score: 740-760 (Aug-2009) Current / open credit lines: 21 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 58Length of status:9y 9m
Amount delinquent: $0 Revolving credit balance: $45,807 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: inspiring-cash4 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Start-up organic "grass-fed" dairy
Purpose of loan:Thank you for considering my request for start-up capital for a beginning organic "grass-fed" dairy enterprise at Pasture?s Delights.? We will focus on raising livestock primarily on pasture utilizing organic agronomic principles.? The grazing animals efficiently package the natural resources of these plants into a very nutritious food product for people.?

Currently we are attempting to start-up operations for a dairy herd-share enterprise. Basically this enterprise is a special boarding service for other peoples? dairy cows where we are paid a premium for knowing how to feed their cows a premium healthy diet and package the superior milk safely.?

Milking once a day, initially we anticipate 2-3 hours a day of wages paid.? I have hired 3 part-time employees to take of the daily chores.? We already have 20 committed future customers?awaiting our boarding service to begin.? The?marketing?plan has the capability of finding us many more customers.? The key to this plan is a web-site which is nearly complete.? Blaine Hitzfield, a web designer and ?grass-fed? beef farmer himself (www.sevensons.net), is the person designing our website and is also very familiar with our business enterprise.? 100 customers is break-even point considering fixed and variable costs.? We should be up to 8 cows (100+ shares) by December.

Funds from a Prosper Loan would be used as follows: ?$4,000 cow purchasing fund; ?$1,000 start-up labor costs.? The loan will be repaid back with revenue from monthly boarding fees paid to us from the herd-share owners.? The boarding fee for each share of a cow is $26/month.? With the current list of prospective customers we will have a monthly cash income of $520.? With the financing we fully expect to be able to start the business, serve our customers and grow reasonably quickly to get us in the black as far as cash-flow. ? I?ve got?a $6,000 tractor and hay which I can sell if necessary to repay this loan.? Thank you very much for your consideration of this loan.? Whether loaning to Pasture?s Delights or somewhere else I hope your capital is put to meaningful use.? Have an outstanding day!
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 have a few questions. 1) where is the farm and how large is your distribution area? 2) Labor costs of $1000 seems kind of low. How'd you come up with that figure? Thanks. - rjfmkt
A: The farm is 20 mi. south of Ft. Wayne. The primary distribution/sales area is Ft. Wayne. Labor: 2 hours a day, 5 days a week paid labor @ $10/hr, 9-10 weeks to get cash-flow going = $1,000. (Aug-26-2009)
Q: If you have 8 cows by the end of December and you are generating $26 @ month per cow how do you come up with $500 plus a month in revenue? What do you mean by having 100 customers? Who purchases the milk @ what price? - spencer14883
A: Hello. The profile listing says it is $26/mo per SHARE. There are 15 shares per cow. Okay by 100 customers, I mean 100 herd-share owners. I agree that may be a bit confusing/misleading. We are boarding other people's cows. No-one purchases the milk. I am simply being paid a boarding fee to take care of someone's share of a cow so they can get the REAL (raw) milk legally. Thank you for asking your questions. (Aug-27-2009)
Q: Sorry, don't mean to be a pain but that does not include payroll taxes which would increase your labor costs significantly. Or did I miss something? - rjfmkt
A: You're not being a pain. What you pointed out is very legitimate and in my breakeven analysis payroll taxes are being figured in (because they will be paid). (Aug-27-2009)
Q: Do you have a dairy farm experience? I'm curious about you milking 1X a day. Grass dairies sometimes in late laction milk once a day but not usually with a fresh or early lactating cow or herd (mastitus?). Are you milking by hand or with machine? - spencer14883
A: Hello! Yes I do have dairy farm experience. I milked at a university for 4 years and my Dad, who lends his advice, used to dairy. I'm very well read on those dairies who do this successfully. Mastitis is a concern. We are "weaning" the cows" off a.m. milking over a 6 day period. We are also keeping "energy" down in their feed (no molasses) until the cows are well adjusted to once a day milking. So far, so good! We are using a conventional vacuum system with a bucket milker to milk the cows (Aug-29-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
purplepotato$25.00$25.008/23/2009 8:07:30 PM
Jinja$40.00$40.008/26/2009 3:32:25 PM
PalmTreeIsland$50.00$50.008/26/2009 4:38:20 PM
diazepam$75.00$75.008/26/2009 5:59:43 PM
evolsb$25.00$25.008/26/2009 9:37:30 PM
restondoublek$50.00$50.008/27/2009 8:23:12 AM
Ven58$25.00$25.008/27/2009 2:40:04 PM
MadisonMicroBank$25.00$25.008/28/2009 12:08:56 PM
HolJenks$50.00$50.008/28/2009 12:50:39 PM
EODLEGS$25.00$25.008/28/2009 11:21:29 PM
banker366$25.00$25.008/28/2009 5:48:13 PM
Ven58$25.00$25.008/29/2009 6:25:20 PM
Sterling33$115.93$115.938/30/2009 4:57:41 PM
droryikra$25.00$25.008/30/2009 8:30:05 AM
FredHead3$25.00$25.008/31/2009 7:10:43 AM
texrob20$50.00$50.008/31/2009 12:47:10 AM
Kessler$25.00$25.008/31/2009 9:30:51 AM
axelducheck$25.00$25.008/31/2009 8:12:17 AM
SpotLending$100.00$100.008/31/2009 10:58:47 AM
EmeritusX$25.00$25.008/31/2009 2:26:35 PM
SeaLoans$25.00$25.008/31/2009 4:11:25 PM
aloantime07$25.00$25.008/31/2009 4:53:38 PM
labate$25.00$25.008/31/2009 5:04:18 PM
outofoffice$50.00$50.008/31/2009 7:04:53 PM
roadster199$25.00$25.008/31/2009 5:25:22 PM
sunnysally$50.00$50.008/31/2009 9:01:26 PM
mclean_loaner$50.00$50.008/31/2009 6:35:48 PM
cassperr$50.00$50.008/31/2009 6:47:01 PM
rockhound84$50.00$50.008/31/2009 5:14:31 PM
scloans$25.00$25.008/31/2009 5:16:32 PM
justanothersushieater$45.00$45.008/31/2009 5:23:22 PM
oldman68$25.00$25.009/1/2009 12:05:31 AM
Jim33$25.00$25.008/31/2009 7:51:25 PM
BOBCH$25.00$25.009/1/2009 5:55:41 AM
sugybutt$36.00$36.008/31/2009 8:33:59 PM
psycardis$27.88$27.889/1/2009 12:03:39 AM
crw1950$50.00$50.009/1/2009 9:16:15 AM
martymaniaman$25.00$25.009/1/2009 5:54:06 AM
glenium$25.00$25.009/1/2009 6:37:11 AM
Amsie614$75.00$75.009/1/2009 7:37:47 AM
delmo$60.99$60.999/1/2009 6:31:31 AM
Charmart$25.00$25.009/1/2009 7:09:10 AM
MorleyTwirl$30.00$30.009/1/2009 11:40:17 AM
khamen$25.00$25.009/1/2009 10:17:33 AM
Halos2002$50.00$50.009/1/2009 11:09:29 AM
djkaiser$32.78$32.789/1/2009 10:27:10 AM
outdoorduck8$25.00$25.009/1/2009 2:23:59 PM
maga$50.00$50.009/1/2009 10:45:03 AM
bicyclist2270$50.00$50.009/1/2009 3:24:29 PM
ManhattanLender$25.00$25.009/1/2009 12:41:29 PM
IM-SHARKY$500.00$500.009/1/2009 3:35:05 PM
RandyL3$27.52$27.529/1/2009 3:50:07 PM
brocilybeef$25.00$25.009/1/2009 1:41:52 PM
mpatrick$100.00$100.009/1/2009 2:01:23 PM
lancetc$25.00$25.009/1/2009 2:17:16 PM
aultraman$25.00$25.009/1/2009 2:27:39 PM
dhallii$53.00$53.009/1/2009 3:03:56 PM
dinobuddy$25.00$25.009/1/2009 4:06:01 PM
acn$50.00$50.009/1/2009 4:10:32 PM
Syzygy$25.00$25.008/18/2009 4:23:03 PM
mamayama$100.00$100.008/18/2009 9:50:20 PM
wack-a-mole$100.00$100.008/19/2009 8:21:42 AM
zento$25.00$25.008/19/2009 8:24:57 AM
Penne123$42.40$42.408/19/2009 6:09:59 PM
MidnightBank$25.00$25.008/20/2009 10:27:37 AM
vegibenz$25.00$25.008/21/2009 4:57:41 PM
here2lend$25.00$25.008/23/2009 10:32:45 AM
ToweringDan$150.00$150.008/24/2009 10:46:02 PM
RandyL3$63.56$63.568/24/2009 10:44:35 PM
MightyZep$50.00$50.008/24/2009 10:47:52 PM
fortytwo$50.00$50.008/25/2009 4:40:16 PM
prospectr$100.00$100.008/26/2009 6:12:02 AM
grasscutter$50.00$50.008/26/2009 6:20:13 AM
Dollars4Rent$25.00$25.008/26/2009 12:35:11 PM
pitashi$25.00$25.008/26/2009 9:46:07 AM
whitebalcony$50.00$50.008/27/2009 7:39:37 AM
CallMeBen$25.00$25.008/27/2009 8:12:57 PM
chapman18$25.00$25.008/27/2009 8:49:25 PM
dudebrah$25.00$25.008/28/2009 10:46:38 AM
Heather11$50.00$50.008/29/2009 1:31:17 PM
JerryB96$25.00$25.008/29/2009 3:57:20 PM
wdjnm$100.00$100.008/29/2009 4:29:42 AM
DannyPhantom$25.00$25.008/29/2009 12:45:33 PM
Johnab$55.00$55.008/29/2009 6:51:40 PM
minista$25.00$25.008/30/2009 11:01:21 AM
bondhedger$25.00$25.008/30/2009 6:30:35 PM
rjglender$25.00$25.008/30/2009 7:05:11 PM
Carne_Chung$45.10$45.108/31/2009 4:24:03 AM
jetblack$50.00$50.008/31/2009 8:25:57 AM
Traal$25.00$25.008/31/2009 8:25:55 AM
RandyL3$25.00$25.008/31/2009 11:00:35 AM
FecundFinancier$25.00$7.558/31/2009 4:45:36 PM
Snoopylover$25.00$25.008/31/2009 5:08:08 PM
gothampark$25.00$25.008/31/2009 7:24:02 PM
spudbeach$128.40$128.408/31/2009 5:43:35 PM
brother_tam$50.00$50.008/31/2009 6:24:28 PM
Pendruce$65.00$65.008/31/2009 6:27:50 PM
spc91x$25.00$25.008/31/2009 7:51:20 PM
OzGuy609$25.00$25.008/31/2009 6:57:39 PM
ksamba$100.00$100.008/31/2009 9:06:26 PM
redrose1518$25.00$25.009/1/2009 6:29:37 AM
heather26$25.00$25.009/1/2009 5:19:39 AM
zapquoc$25.00$25.009/1/2009 5:23:38 AM
sergius89$100.00$100.009/1/2009 5:47:49 AM
tacopants$200.00$200.009/1/2009 10:29:31 AM
gm93001$100.00$100.009/1/2009 8:56:33 AM
Mack_Inv$25.00$25.009/1/2009 10:50:04 AM
edsmoney$100.00$100.009/1/2009 9:43:45 AM
bds9646$92.16$92.169/1/2009 9:45:47 AM
nevetsnosliw1$49.00$49.009/1/2009 10:31:46 AM
victorcab$150.00$150.009/1/2009 10:46:46 AM
SkipMcGrath$50.00$50.009/1/2009 10:53:16 AM
little_shark_J$25.00$25.009/1/2009 12:19:22 PM
CULPEPPERGROUP$25.00$25.009/1/2009 3:15:55 PM
napaone$50.00$50.009/1/2009 11:03:50 AM
Jynxie$27.92$27.929/1/2009 12:45:38 PM
ezhik00$25.00$25.009/1/2009 3:46:14 PM
chapman18$25.00$25.009/1/2009 3:49:08 PM
LA-Funding-Bank$50.00$50.009/1/2009 12:00:36 PM
ATLANTAHELP$50.00$50.009/1/2009 12:21:01 PM
Kyileo$50.00$50.009/1/2009 2:10:07 PM
nurat$29.81$29.819/1/2009 3:20:55 PM
122 bids
 
Borrower Payment Dependent Notes Series 421118
This series of Notes was issued and sold upon the funding of the borrower loan #38526, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: D Auction start date:  Aug-24-2009 
Term: 36 months Estimated loss: 10.0% Auction end date:  Sep-07-2009 
 
Starting lender yield: 26.43% Starting borrower rate/APR: 27.43% / 30.04% Starting monthly payment: $61.58
Final lender yield: 18.95% Final borrower rate/APR: 19.95% / 22.44% Final monthly payment: $55.71
 
Auction yield range: 11.18% - 26.43% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.50%  
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-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-680 (Aug-2009) Current / open credit lines: 6 / 5Employment status:Self-employed
Now delinquent: 0 Total credit lines: 6Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: coin-cupcake 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 my credit cards
Purpose of loan:
I want to use the loan to pay off my Advanta Business Credit Card because of their high interest rates.? Ever since their rate increase, I have been trying to pay them off completely.

My financial situation:
I have stable income and I live with a roommate, which cuts my expenses.? While I did have financial trouble about eight years ago that causes a lot of damage to my credit report, I have since then been paying all my bills on time.

Monthly net income: $ 2300

Monthly expenses: $ 1570
??Housing: $ 400
??Insurance: $ 0
??Car expenses: $ 75
??Utilities: $ 120
??Phone, cable, internet: $ 75
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??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: 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: I plan on paying off the loan in 12 months. (Aug-29-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IPG1$50.00$50.009/4/2009 7:18:36 AM
IM-SHARKY$500.00$500.009/5/2009 3:31:15 PM
Jinja$36.00$36.009/6/2009 8:59:57 AM
ezvest$25.45$25.459/6/2009 6:27:40 PM
Stahl$25.00$25.009/7/2009 6:14:17 AM
JB2006$25.00$25.009/6/2009 7:07:17 PM
best-generosity-financier$25.00$23.559/7/2009 3:45:14 PM
Cashlender1992$25.00$25.009/7/2009 7:42:53 AM
kindness-jedi$25.00$25.009/7/2009 12:38:04 PM
Happyhourcomics$25.00$25.009/7/2009 12:05:04 PM
credit-coach118$25.00$25.009/7/2009 12:34:57 PM
himistu22$30.00$30.009/7/2009 2:38:44 PM
Loan_Stranger$50.00$50.009/7/2009 3:49:40 PM
hektek22$300.00$300.008/30/2009 6:49:43 AM
mrxtravis$50.00$50.009/4/2009 7:25:01 PM
carmat60$25.00$25.009/6/2009 12:02:46 AM
Leshan$50.00$50.009/6/2009 7:22:19 AM
unbeatable-wealth$25.00$25.009/6/2009 6:56:59 PM
realtormoises$25.00$25.009/6/2009 6:38:20 PM
dorypro$25.00$25.009/7/2009 12:14:26 PM
thebadpelican$25.00$25.009/7/2009 3:12:19 PM
Chillito$35.00$35.009/7/2009 7:21:17 AM
daekpon$50.00$50.009/7/2009 11:25:27 AM
mmczech76$25.00$25.009/7/2009 2:41:35 PM
24 bids
 
Borrower Payment Dependent Notes Series 422116
This series of Notes was issued and sold upon the funding of the borrower loan #38500, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,200.00 Prosper Rating: A Auction start date:  Aug-31-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Sep-05-2009 
 
Starting lender yield: 11.38% Starting borrower rate/APR: 12.38% / 14.52% Starting monthly payment: $173.66
Final lender yield: 11.38% Final borrower rate/APR: 12.38% / 14.52% Final monthly payment: $173.66
 
Auction yield range: 4.18% - 11.38% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.24%  
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-2002 Debt/Income ratio: 28%
Credit score: 700-720 (Aug-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $11,585 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 66%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: powerful-currency 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
Pay back debt and starting my life!
Purpose of loan:
Thanks for your time and looking at my listing. The main purpose of this loan is for the long run. I want to get rid of this credit card debt so I can get starting on saving more money and continuing my future with my girlfriend (future wife). I have a college degree in Marketing and a great job at a marketing research company with a steady income.? There is nothing more that I want right now than to have the debt paid off in full and your help is much appreciated.

My financial situation:
I am a good candidate for this loan because? I have great credit and have never had any credit problems in the past. I always pay all of my bills on time and do not have any deliquents. I follow my credit score carefully so I can buy a house next year, and have a great budget plan that I follow every week. I have a full-time job as a Pricing Consultant at one of the worlds largest marketing research companies. If fully funded, I would be grateful and happy to move on in my life and love nothing more than to continue to grow and be successful.

Monthly Net Income: $2,500

Monthly expenses: $
??Housing: $ 500
??Car expenses: $ 225
??Utilities: $ 60
??Phone, cable, internet: $ 45
??Food, entertainment: $ 80

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
BidderAmount BidAmount WinningBid Date (PT)
Moron_Buffet$25.00$25.008/31/2009 3:47:18 PM
skuba$50.00$50.008/31/2009 3:47:36 PM
gold-tsunami$25.00$25.008/31/2009 3:48:36 PM
DukSerduk$25.00$25.008/31/2009 3:47:32 PM
bchen78875$50.00$50.008/31/2009 3:47:49 PM
credit-investor5$50.00$50.008/31/2009 3:47:59 PM
testobsessed$100.00$100.008/31/2009 3:48:10 PM
Artist_Blue$25.00$25.008/31/2009 3:47:02 PM
Cherrypicker06$25.00$25.008/31/2009 3:47:07 PM
Sid-K$50.00$50.008/31/2009 3:47:28 PM
Goodlender42$25.00$25.008/31/2009 3:57:56 PM
seasportsguy$25.00$25.008/31/2009 3:48:28 PM
Cai8899$25.00$25.008/31/2009 4:04:50 PM
ethicalhumanist$25.00$25.008/31/2009 4:05:48 PM
gm93001$25.00$25.008/31/2009 4:06:09 PM
Stavros$30.00$30.008/31/2009 3:58:46 PM
buckyhead2000$25.00$25.008/31/2009 3:58:52 PM
AP2PLender$25.00$25.008/31/2009 4:02:42 PM
kenji4861$46.67$46.678/31/2009 4:06:34 PM
ClearLake$25.00$25.008/31/2009 4:42:04 PM
enriched-peace$100.00$100.008/31/2009 6:08:21 PM
wormdc$25.00$25.008/31/2009 11:15:29 PM
bowdish1$25.00$25.008/31/2009 7:50:39 PM
unequivocal-velocity$100.00$100.008/31/2009 9:38:06 PM
CorporateRaider$25.00$25.009/1/2009 9:08:06 AM
TK4$25.00$25.009/1/2009 10:10:20 AM
Hogpilot$25.00$25.009/1/2009 2:30:46 PM
mathprof$25.00$25.009/1/2009 12:08:07 PM
museic1$50.00$50.009/1/2009 3:51:45 PM
Gabriel02$25.00$25.009/1/2009 3:52:13 PM
Coach2often$50.00$50.009/1/2009 3:52:43 PM
peaceful-trade$25.00$25.009/1/2009 1:21:58 PM
lowrate$25.00$25.009/1/2009 3:52:44 PM
dinobuddy$50.00$50.009/1/2009 4:00:34 PM
zbfamwl$25.00$25.009/2/2009 4:26:03 AM
mh1169$25.00$25.009/1/2009 7:06:02 PM
sparky1129$25.00$25.009/1/2009 8:46:44 PM
abuyama22$25.00$25.009/1/2009 8:55:23 PM
applepie1$50.00$50.009/2/2009 7:28:46 AM
Jassi$25.00$25.009/1/2009 9:27:18 PM
totoro$25.00$25.009/2/2009 10:53:43 AM
nhm$50.00$50.009/2/2009 11:01:40 AM
cyberie21$38.24$38.249/2/2009 8:55:15 AM
FirstPlaceBusinessFunding$25.00$25.009/2/2009 9:33:07 AM
reefer$50.00$50.009/2/2009 8:27:22 PM
shanedog$25.00$25.009/3/2009 4:10:20 AM
yank918$25.00$25.009/2/2009 7:05:54 PM
geniusj$50.00$50.009/3/2009 9:04:47 AM
Divot$25.00$25.009/2/2009 8:55:23 PM
calinno2$75.00$75.009/3/2009 11:51:26 AM
MrLeft$25.00$25.009/3/2009 6:54:27 AM
mscomeaux$25.00$25.009/3/2009 2:45:43 PM
rjleves$25.00$25.009/3/2009 8:31:00 AM
BrLender$33.49$33.499/3/2009 11:25:25 AM
ok$25.00$25.009/3/2009 1:03:58 PM
crossborders$25.00$25.009/4/2009 5:05:55 AM
MGCFINANCIALSERVICES$25.00$25.009/4/2009 9:59:00 AM
wwwUniversal$25.00$25.009/4/2009 11:43:45 AM
all_of_that_one$25.00$25.009/4/2009 11:00:38 AM
longisland47m$25.00$25.009/4/2009 12:20:36 PM
income-excellence1$25.00$25.009/4/2009 3:28:12 PM
Patrician$27.69$27.699/4/2009 2:58:35 PM
bigdogsafety1$25.00$25.009/4/2009 3:20:10 PM
kyomoon$36.20$36.209/4/2009 3:28:56 PM
Gene47$100.00$100.009/4/2009 3:46:03 PM
jetblack$50.00$50.009/4/2009 3:38:57 PM
Pro-Lender$25.00$25.009/4/2009 8:01:32 PM
nasjack$250.00$250.009/4/2009 7:18:13 PM
Hamachi$50.00$50.009/5/2009 4:43:51 AM
lagnisiruk$25.00$25.008/31/2009 3:46:57 PM
jgar_O$30.00$30.008/31/2009 3:47:05 PM
honorable-yield$50.00$50.008/31/2009 3:47:23 PM
cash-sensai2$25.00$25.008/31/2009 3:47:44 PM
understanding-marketplace$100.00$100.008/31/2009 3:48:03 PM
elasermd$50.00$50.008/31/2009 3:48:18 PM
LuckySF$50.00$50.008/31/2009 3:48:41 PM
aesop$25.00$25.008/31/2009 3:48:58 PM
don8ter$60.00$60.008/31/2009 3:47:12 PM
anton$50.00$50.008/31/2009 3:47:55 PM
blackstar$25.00$25.008/31/2009 3:59:14 PM
personal-lender$25.00$25.008/31/2009 3:48:49 PM
five-star-justice$36.00$36.008/31/2009 4:02:29 PM
Hokiemon$25.00$25.008/31/2009 4:52:13 PM
impartial-deal$25.00$25.008/31/2009 4:52:26 PM
cowboyskier$27.54$27.548/31/2009 4:53:34 PM
market-assembler$25.00$25.008/31/2009 5:10:03 PM
Syzygy$25.00$25.008/31/2009 7:34:59 PM
szetowski$25.00$25.009/1/2009 3:20:52 AM
goofy15975$25.00$25.008/31/2009 7:05:21 PM
LenderIntegrity24$25.00$25.008/31/2009 9:26:50 PM
dough-shooter$100.00$100.008/31/2009 9:53:34 PM
Halos2002$50.00$50.009/1/2009 9:35:20 AM
kenyonhillbilly$41.05$41.059/1/2009 12:08:04 PM
888168$50.00$50.009/1/2009 12:08:08 PM
thedoctor$25.00$25.009/1/2009 12:08:11 PM
brightest-revenue-spark$25.00$25.009/1/2009 3:20:33 PM
DrStaff$60.00$60.009/1/2009 3:21:28 PM
BookandLaw$25.00$25.009/1/2009 3:52:46 PM
XD2005$25.00$25.009/1/2009 3:52:51 PM
yield-blanket$25.00$25.009/1/2009 6:50:34 PM
deepblue34$45.00$45.009/1/2009 7:11:55 PM
benroo$25.00$25.009/1/2009 9:05:35 PM
MissionMicroFinance$25.00$25.009/1/2009 7:15:36 PM
elated-justice$25.00$25.009/2/2009 3:47:28 AM
CoolHelp$25.00$25.009/1/2009 7:05:55 PM
Turkish101$25.00$25.009/1/2009 7:21:51 PM
tayzak$25.00$25.009/1/2009 7:51:59 PM
unbeatable-wealth$25.00$25.009/1/2009 9:23:31 PM
compatible-diversification$25.00$25.009/2/2009 9:31:12 AM
MidnightBank$25.00$25.009/2/2009 10:00:23 AM
js60l$25.00$25.009/1/2009 10:05:31 PM
DavidM$25.00$25.009/2/2009 6:20:20 AM
Kame$25.00$25.009/2/2009 6:27:24 AM
Avala$25.00$25.009/2/2009 10:40:17 AM
LoanGiver$25.00$25.009/2/2009 11:07:07 AM
Streetfighter$100.00$100.009/2/2009 11:38:02 AM
bid-papyrus$50.00$50.009/2/2009 9:32:37 AM
the-profit-oracle$25.00$25.009/2/2009 2:51:32 PM
srspank24$50.00$16.169/2/2009 4:11:56 PM
BigBoy2008$25.00$25.009/2/2009 12:35:34 PM
slartibardfast$30.00$30.009/2/2009 8:27:41 PM
DrPalaber$25.00$25.009/2/2009 8:27:39 PM
aajwm$50.00$50.009/3/2009 3:20:31 AM
ThisCatWillHelp$30.00$30.009/3/2009 1:08:25 PM
mlj0671$50.00$50.009/3/2009 7:11:26 AM
minista$25.00$25.009/3/2009 11:34:36 AM
fortytwo$46.96$46.969/4/2009 5:37:39 AM
RICHMONDREB$25.00$25.009/3/2009 5:05:48 PM
BayShell$40.00$40.009/3/2009 6:35:51 PM
PalmTreeIsland$50.00$50.009/4/2009 8:33:39 AM
tisiphone$25.00$25.009/3/2009 8:45:46 PM
lowestghost$25.00$25.009/4/2009 8:55:20 AM
Skady3love$25.00$25.009/4/2009 9:48:37 AM
MonkeyPet$25.00$25.009/4/2009 11:31:41 AM
baroo$25.00$25.009/4/2009 12:16:59 PM
hobodave$25.00$25.009/4/2009 2:35:17 PM
Patter256$25.00$25.009/4/2009 3:27:51 PM
dj624$50.00$50.009/4/2009 3:29:59 PM
tlp43$25.00$25.009/4/2009 3:29:52 PM
hampa$25.00$25.009/4/2009 3:30:16 PM
YogaDude34$25.00$25.009/4/2009 4:23:21 PM
morpholog$25.00$25.009/4/2009 5:45:24 PM
rlecour$25.00$25.009/4/2009 8:05:15 PM
143 bids
 
Borrower Payment Dependent Notes Series 422270
This series of Notes was issued and sold upon the funding of the borrower loan #38529, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,990.00 Prosper Rating: A Auction start date:  Aug-27-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Sep-10-2009 
 
Starting lender yield: 14.38% Starting borrower rate/APR: 15.38% / 17.56% Starting monthly payment: $208.76
Final lender yield: 10.50% Final borrower rate/APR: 11.50% / 13.63% Final monthly payment: $197.53
 
Auction yield range: 4.18% - 14.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.37%  
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-1999 Debt/Income ratio: 17%
Credit score: 740-760 (Aug-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $7,989 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 37%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Jpowers25 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 historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 32 ( 97% ) 740-760 (Latest)
Principal borrowed: $14,500.00< mo. late: 1 ( 3% )  
620-640 (May-2008)
620-640 (Jan-2008)
620-640 (Oct-2007)
640-660 (Jun-2006)
 
Principal balance: $3,107.46 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Decks=Expensive- 3rd Prosper Loan
Purpose of loan:
I'm looking to get a deck installed before the winter comes. I need about $6,000.? I have had 2 previous loans on Prosper.? One has been paid off and one is more than half paid off. While this is a luxury and not a necessity, I have factored in my ability to repay (even with interest) vs. how badly I want a deck.

My financial situation:
I've been at this current job for about 18 months now.? I ran into some credit problems back in 1992, but haven't been late on anything since then.? I have worked hard to get my credit back to where it's at.? You can see that by just looking at the jumps in my credit score over the last couple of years.

I own (well, the bank owns) my house with my wife, dog, and 2 cats.? We have a newer model car that is financed because my wife drives a lot and needs something reliable.

Monthly Budget:
Income: $4576 (take home)
Mortgage + Utilities: $2000
Other Prosper Loan: $240
Car + Insurance: $400
Zero Interest Grant Payback: $300
Student Loan: $75

Net left for other expenditures/savings/fun: $1,561 (not counting wife's leftover)

My last request was at 48% funded with 2 hours left, so I pulled it.? I'll start this at a higher interest rate and hope for a bid-down.

Keep in mind that the picture is that of a "dream" deck - it does not represent what we would actually be getting for $6,000.


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: Hello. On your previous prosper loans, there was one late payment. Could you explain why that happened? Thanks. - nnomura
A: Yes, that was actually a prosper issue. There was one payment that they didn't take out for some reason. As soon as it was a day late, I called them and it was taken care of. I'm really anal about a "late" payment and I still wonder why a payment that they didn't take and then posted a few days after the due date still shows as a late payment. In short, it wasn't actually late at all. (Aug-29-2009)
Q: if you try to do this thru home equity or something, how much will it cost you in terms of interest? - frugalinvestor20
A: It is worth looking into. We've only lived in this house for about 18 months and I'm hesitant to take out a HELOC after such a short amount of time. I want to save that for when we have more equity in the house and decide if this really will be our long term residence. (Aug-29-2009)
Q: To clarify the income/budget on your listing: Are the figures stated yours alone or do they include your wife's income as well? Thanks very much. - CaribbeanBanker
A: My income alone. My wife is a teacher and makes about $42K gross per year. (Sep-06-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Syzygy$25.00$25.008/27/2009 4:59:51 PM
MidnightBank$25.00$25.008/28/2009 2:30:20 AM
banker366$25.00$25.008/28/2009 5:59:41 PM
payontime1$50.00$50.008/28/2009 6:18:36 PM
aganippe$50.00$50.008/30/2009 4:14:24 PM
RejhRon$25.00$25.008/31/2009 5:28:21 AM
PalmTreeIsland$50.00$50.008/31/2009 4:51:56 PM
estancias$25.00$25.009/2/2009 3:01:31 PM
richfield$100.00$100.009/5/2009 12:47:41 AM
pureprofit$100.00$100.009/5/2009 12:54:06 PM
CallMeBen$25.00$25.009/5/2009 8:40:22 AM
LPSolutions$25.00$25.009/7/2009 10:30:56 AM
jetblack$35.82$35.829/8/2009 5:43:34 AM
outofoffice$50.00$50.009/7/2009 8:58:22 PM
China0813$25.00$25.009/8/2009 6:56:41 AM
Anamorph$25.00$25.009/8/2009 11:57:42 AM
xlender86$25.00$25.009/8/2009 2:47:04 PM
buckeyeatheart$25.00$25.009/8/2009 4:36:56 PM
cippy$100.00$100.009/8/2009 7:40:35 PM
evildutchman$50.00$50.009/8/2009 7:59:46 PM
Richmp412$25.00$25.009/9/2009 6:53:05 AM
building_community$50.00$50.009/9/2009 7:43:29 AM
Honor_Leadership$43.88$43.889/9/2009 11:38:42 AM
Mack_Inv$25.00$25.009/9/2009 6:54:22 AM
power-expert$25.00$25.009/9/2009 2:27:11 PM
WhiteGiant$25.00$25.009/9/2009 6:20:14 AM
OzGuy609$25.00$25.009/9/2009 6:27:22 AM
fund-turtle$25.00$25.009/9/2009 9:58:28 AM
dist$26.87$26.879/9/2009 1:11:27 PM
djmjkelso$25.00$25.009/9/2009 1:09:40 PM
SOP_Bank$25.00$25.009/9/2009 3:57:04 PM
northern_paddler$25.00$25.009/9/2009 5:22:44 PM
Rosencranz$25.00$25.009/9/2009 4:52:01 PM
curious166$100.00$100.009/9/2009 6:50:03 PM
flshdaskll$25.00$25.009/9/2009 7:50:44 PM
agile$100.00$100.009/9/2009 8:11:38 PM
arkleseizure$25.00$25.009/9/2009 8:24:22 PM
rawsushi$25.00$25.009/9/2009 11:03:33 PM
unequivocal-return$50.00$50.009/9/2009 6:04:51 PM
credit-maestro$50.46$50.469/10/2009 4:51:16 AM
impartial-diversification$1,000.00$1,000.009/10/2009 5:46:43 AM
csrwizard$25.00$25.009/10/2009 9:05:01 AM
Lender50$25.00$25.009/10/2009 9:38:01 AM
zbanker$60.00$60.009/10/2009 10:12:18 AM
radiant-return$25.00$25.009/10/2009 10:49:41 AM
gm93001$100.00$100.009/10/2009 11:19:38 AM
coolkid$43.00$20.959/10/2009 12:20:23 PM
Apotheosis$25.00$25.009/10/2009 12:26:46 PM
pja138$50.00$50.009/9/2009 9:20:42 PM
Nyarpy$25.00$25.009/10/2009 7:03:16 AM
catalystcf$50.00$50.009/10/2009 10:47:39 AM
credit-missile$50.00$50.009/10/2009 7:24:56 AM
Svigel$25.94$25.949/10/2009 7:44:22 AM
lendme2$50.00$50.009/10/2009 11:13:08 AM
gothampark$25.00$25.009/10/2009 12:07:07 PM
gogene2002$25.00$25.009/10/2009 10:13:27 AM
little_shark_J$25.00$25.009/10/2009 1:49:40 PM
piznaul$50.00$50.009/10/2009 3:17:57 PM
MarvinE$25.00$25.009/10/2009 4:07:23 PM
Free_da_Sheeple$25.00$25.009/10/2009 4:22:48 PM
khamen$25.00$25.009/10/2009 4:18:34 PM
Cambium$45.00$45.009/10/2009 4:23:41 PM
selo80$30.00$30.009/10/2009 4:45:34 PM
bhargapa$200.00$200.009/10/2009 4:36:39 PM
best-generosity-financier$25.00$25.009/10/2009 4:41:44 PM
vegibenz$46.46$46.468/28/2009 7:07:42 AM
MJFinancial$50.00$50.008/30/2009 5:55:03 PM
zxr$25.00$25.009/2/2009 8:00:35 AM
festivecpl$100.00$100.009/2/2009 8:21:14 PM
omahajay$50.00$50.009/5/2009 1:02:39 AM
mbf2234$50.00$50.009/5/2009 4:22:54 AM
scloans$26.00$26.009/4/2009 5:33:10 PM
Dollars4Rent$25.00$25.009/5/2009 8:40:20 AM
income-fortress$50.00$50.009/4/2009 6:35:32 PM
buffalobills$25.00$25.009/6/2009 7:14:48 PM
FecundFinancier$25.00$25.009/6/2009 11:06:19 PM
lookin_up$50.00$50.009/7/2009 5:50:30 AM
Ven58$25.00$25.009/7/2009 8:42:17 AM
minista$25.00$25.009/7/2009 11:10:20 AM
mrreynol$25.00$25.009/7/2009 12:12:54 PM
iruz$30.47$30.479/7/2009 4:03:29 PM
LeoBUSIIT$25.00$25.009/7/2009 8:46:25 PM
kushbomb$25.00$25.009/8/2009 1:58:58 PM
thegreatstrafe$25.00$25.009/8/2009 3:54:25 PM
orgy63$50.00$50.009/8/2009 4:59:25 PM
Feyenoord$25.00$25.009/8/2009 6:24:22 PM
mordecei$50.00$50.009/8/2009 5:10:26 PM
MrHamilton$61.09$61.099/9/2009 6:30:13 AM
CCIExpress$25.00$25.009/8/2009 8:19:45 PM
Squad51$25.00$25.009/8/2009 6:54:02 PM
nurat$26.44$26.449/8/2009 7:44:02 PM
dorypro$25.00$25.009/9/2009 12:19:09 PM
RIVERBEND$25.00$25.009/9/2009 3:13:55 PM
JerryB96$25.00$25.009/9/2009 10:26:57 AM
mobius_titan$25.00$25.009/9/2009 9:12:13 AM
OoM$25.00$25.009/9/2009 12:09:22 PM
BeatrixKiddo$25.00$25.009/9/2009 1:43:32 PM
SkipMcGrath$29.20$29.209/9/2009 11:04:34 AM
credit-coach118$25.00$25.009/9/2009 2:18:36 PM
payout-magician$25.00$25.009/9/2009 8:15:00 PM
oldman68$25.00$25.009/9/2009 10:13:00 PM
sadhikari$50.00$50.009/9/2009 11:28:28 PM
Leshan$100.00$100.009/10/2009 7:18:38 AM
drjekyllus$25.00$25.009/9/2009 7:31:50 PM
Rustang$50.00$50.009/10/2009 8:39:42 AM
PotBellyPete$25.00$25.009/10/2009 9:14:39 AM
jdragon$28.27$28.279/9/2009 7:56:27 PM
kander80$25.00$25.009/10/2009 12:09:08 PM
2Below$25.00$25.009/10/2009 12:33:18 PM
Earn_money$25.00$25.009/10/2009 1:00:40 PM
heather26$25.00$25.009/10/2009 1:10:41 PM
stu6703$25.00$25.009/10/2009 1:54:28 PM
fr0gpil0t$25.00$25.009/9/2009 10:17:25 PM
cardelt$25.00$25.009/10/2009 2:18:59 AM
bds9646$62.71$62.719/10/2009 3:42:35 PM
lawboy74$25.00$25.009/10/2009 6:02:26 AM
astro128$25.00$25.009/10/2009 10:36:19 AM
FredHead3$25.00$25.009/10/2009 12:13:16 PM
Rothgoe$53.72$53.729/10/2009 12:28:45 PM
CULPEPPERGROUP$25.00$25.009/10/2009 12:31:24 PM
miniloan$61.53$61.539/10/2009 1:48:21 PM
guardian3$50.00$50.009/10/2009 2:45:04 PM
encouraging-cash4$25.00$25.009/10/2009 4:04:34 PM
Hogan55$50.00$50.009/10/2009 12:51:13 PM
plbquic$25.00$25.009/10/2009 1:02:57 PM
crw1950$50.00$50.009/10/2009 1:48:13 PM
LAKETIME$25.00$25.009/10/2009 3:48:27 PM
Charmart$25.00$25.009/10/2009 3:50:33 PM
Nasdaq$50.00$50.009/10/2009 4:43:16 PM
friendinmoney$31.19$31.199/10/2009 4:48:29 PM
dmitriy2$25.00$25.009/10/2009 4:27:16 PM
hidavehi$44.00$44.009/10/2009 4:34:28 PM
132 bids
 
Borrower Payment Dependent Notes Series 422324
This series of Notes was issued and sold upon the funding of the borrower loan #38573, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction start date:  Aug-28-2009 
Term: 36 months Estimated loss: 5.0% Auction end date:  Sep-08-2009 
 
Starting lender yield: 17.49% Starting borrower rate/APR: 18.49% / 20.71% Starting monthly payment: $545.98
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $519.98
 
Auction yield range: 6.18% - 17.49% 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: Aug-1996 Debt/Income ratio: 12%
Credit score: 740-760 (Aug-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $14,447 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: return-pillow 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
Replacing the roof on our house
Purpose of loan:
This loan will be used to? replace the roof of our house.
My financial situation:
I am a good candidate for this loan because? I am a responsible individual who re-pays my debts.? i do not make late payments, have a good credit history, and high income.? I plan on paying off this loan within 6 months.
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: Your Credit card utilization is 60%. Could you tell us what is the rate are you paying and how long you planning to carry the balance? Please answer publicaly. Thanks. - cybercop45
A: I am paying 13.99% on my Citi card, and 9.24% on my Chase card. I plan on paying off 100% of my credit card debt within the next year. (Sep-03-2009)
Q: Hello, I'm interested in helping to fund your loan. If you don't mind, could you please explain the delinquency on your credit report. - jimbiggs
A: I graduated college in May 2002, and a month before my first student loan payment was due I mailed in a deferment form (to defer my first year of payments while I got on my feet in my first job). The form took over 2 months to process. I thought that my loans were deferred, so I did not make payments, and about 6 months later I found that my credit report was marked 60 days late on my first payment. I tried to get it corrected but they would not change the marks on my credit report. (Sep-04-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
skuba$25.00$25.008/28/2009 4:11:05 PM
Halos2002$50.00$50.008/28/2009 4:19:40 PM
goofy15975$25.00$25.008/28/2009 4:20:35 PM
scottr$25.00$25.008/28/2009 4:20:40 PM
mikeandcat$50.00$50.008/28/2009 4:21:14 PM
hc90474$25.00$25.008/28/2009 4:22:16 PM
anton$25.00$25.008/28/2009 4:22:26 PM
Artist_Blue$25.00$25.008/28/2009 4:22:34 PM
GElender$50.00$50.008/28/2009 4:22:37 PM
thedreamer$25.00$25.008/28/2009 4:22:45 PM
don8ter$25.00$25.008/28/2009 4:23:05 PM
Aquani$50.00$50.008/28/2009 4:23:23 PM
wayman$50.00$50.008/28/2009 4:24:17 PM
yield-lion$25.00$25.008/28/2009 4:25:52 PM
MSME$25.00$25.008/28/2009 4:26:19 PM
tornandfrayed$25.00$25.008/28/2009 4:27:11 PM
lowrate$25.00$25.008/28/2009 4:27:20 PM
mizount$25.00$25.008/28/2009 4:27:50 PM
Interloper$25.00$25.008/28/2009 4:28:30 PM
victorcab$25.00$25.008/28/2009 4:29:04 PM
PalmTreeIsland$50.00$50.008/28/2009 4:29:23 PM
topher515$25.00$25.008/28/2009 4:40:38 PM
curly2k$25.00$25.008/28/2009 4:19:43 PM
profit33r$25.00$25.008/28/2009 4:20:29 PM
jgar_O$25.00$25.008/28/2009 4:20:37 PM
CarDealer3070$25.00$25.008/28/2009 4:20:52 PM
chlebie$50.00$50.008/28/2009 4:21:00 PM
SNH$25.00$25.008/28/2009 4:22:23 PM
888168$25.00$25.008/28/2009 4:22:55 PM
crazycool$35.00$35.008/28/2009 4:23:02 PM
nodrivelpls$25.00$25.008/28/2009 4:23:36 PM
orindalender$25.00$25.008/28/2009 4:24:06 PM
exact-justice$25.00$25.008/28/2009 4:24:19 PM
Syzygy$25.00$25.008/28/2009 4:24:40 PM
Dakota98$50.00$50.008/28/2009 4:25:32 PM
MrDavid$25.00$25.008/28/2009 4:25:55 PM
JLChamberlain$25.00$25.008/28/2009 4:26:01 PM
bakerbob$50.00$50.008/28/2009 4:26:12 PM
Approved1234$25.00$25.008/28/2009 4:27:45 PM
pennyman$25.00$25.008/28/2009 4:29:18 PM
mason13a$25.00$25.008/28/2009 4:20:32 PM
jeg3k$25.00$25.008/28/2009 4:20:49 PM
Moron_Buffet$25.00$25.008/28/2009 4:22:14 PM
mathprof$25.00$25.008/28/2009 4:22:31 PM
personal-lender$25.00$25.008/28/2009 4:22:41 PM
red-sublime-return$25.00$25.008/28/2009 4:22:51 PM
Penny$50.00$50.008/28/2009 4:24:22 PM
WalnutCreekguy$33.00$33.008/28/2009 4:24:29 PM
BBL$25.00$25.008/28/2009 4:24:41 PM
unk1911$25.00$25.008/28/2009 4:25:01 PM
gm93001$50.00$50.008/28/2009 4:25:25 PM
BerkeleyBonds$25.00$25.008/28/2009 4:25:30 PM
techvet$25.00$25.008/28/2009 4:26:11 PM
slymoose$25.00$25.008/28/2009 4:26:25 PM
Josta$50.00$50.008/28/2009 4:27:23 PM
rmachi$25.00$25.008/28/2009 5:47:30 PM
five-star-justice$36.00$36.008/28/2009 5:48:04 PM
totoro$25.00$25.008/28/2009 6:30:46 PM
sshs$25.00$25.008/29/2009 7:05:26 AM
bxdoc$75.00$75.008/29/2009 8:30:24 AM
Carpetkid$25.00$25.008/29/2009 8:40:18 AM
p2p-allocator$25.00$25.008/29/2009 1:00:19 AM
flexible1$25.00$25.008/29/2009 10:46:43 PM
ramsbladder$25.00$25.008/30/2009 5:06:01 AM
ribbles$50.00$50.008/30/2009 5:08:28 AM
ogoog$25.00$25.008/30/2009 7:17:18 AM
droryikra$25.00$25.008/30/2009 8:41:38 AM
Breakfast_Gypsy$25.00$25.008/29/2009 8:52:16 PM
Weaverville$75.00$75.008/30/2009 5:07:38 AM
skiberdad$50.00$50.008/30/2009 5:08:17 AM
ibuystk$50.00$50.008/30/2009 5:08:31 AM
TennSquire$25.00$25.008/30/2009 5:46:16 AM
Veloce$25.00$25.008/30/2009 9:25:26 AM
PAID-IN-FULL$25.00$25.008/30/2009 4:20:57 AM
incbx$25.00$25.008/30/2009 5:07:08 AM
All_Wins$25.00$25.008/30/2009 10:55:21 AM
fund-virtuoso$25.00$25.008/30/2009 11:05:28 AM
Brainworm$25.00$25.008/30/2009 5:45:30 PM
slojudy$25.00$25.008/30/2009 5:00:50 PM
Eagledrop$25.00$25.008/30/2009 6:50:31 PM
SAR-2$25.00$25.008/30/2009 1:50:13 PM
Kaj$25.00$25.008/31/2009 12:40:19 AM
GRI$50.00$50.008/30/2009 7:12:13 PM
draggon77$25.00$25.008/30/2009 7:05:16 PM
Frenchynh$25.00$25.008/31/2009 7:45:32 AM
hanuman77$34.45$34.458/31/2009 4:41:36 AM
nycloan$25.00$25.008/31/2009 5:20:40 AM
LenderByDay$25.00$25.008/30/2009 8:55:33 PM
bigphish$25.00$25.008/31/2009 9:48:59 AM
dimitrip1024$25.00$25.008/31/2009 10:03:18 AM
pythia$25.00$25.008/31/2009 10:26:21 AM
Cai8899$25.00$25.008/31/2009 9:31:41 AM
monticello$25.00$25.008/31/2009 9:33:30 AM
BayShell$37.11$37.118/31/2009 11:05:31 AM
Hokiemon$25.00$25.008/31/2009 8:12:11 AM
beyondmanagement$25.00$25.008/31/2009 10:41:58 AM
galtsgulch$34.45$34.458/31/2009 11:54:51 AM
mmzero$25.00$25.008/31/2009 9:26:23 AM
ct641ct$27.37$27.378/31/2009 12:40:35 PM
amijo$25.00$25.008/31/2009 2:18:05 PM
Hambone1111$25.00$25.008/31/2009 12:02:21 PM
dunedin$25.00$25.008/31/2009 2:18:36 PM
Zagit$25.00$25.008/31/2009 10:41:51 AM
Disha_Sagar$25.00$25.008/31/2009 12:17:59 PM
rjleves$25.00$25.008/31/2009 12:18:02 PM
YogaDude34$40.43$40.438/31/2009 2:19:04 PM
nicklds$25.00$25.008/31/2009 2:25:23 PM
KHU2-B$25.00$25.008/31/2009 2:25:52 PM
Rule62$25.00$25.008/31/2009 2:25:58 PM
impartial-deal$25.00$25.008/31/2009 10:50:11 AM
Ryman81580$25.00$25.008/31/2009 2:26:23 PM
IP$50.00$50.008/31/2009 2:26:28 PM
ScottW$25.00$25.008/31/2009 2:50:29 PM
ualf$50.00$50.008/31/2009 11:45:51 AM
capital-albatross$25.00$25.008/31/2009 11:53:46 AM
wwwUniversal$25.00$25.008/31/2009 2:18:26 PM
leftcoast52$25.00$25.008/31/2009 12:48:21 PM
Rogelio48$25.00$25.008/31/2009 2:25:54 PM
fireboss$26.39$26.398/31/2009 12:56:40 PM
money2k$25.00$25.008/31/2009 2:26:17 PM
zaxsan$25.00$25.008/31/2009 2:26:25 PM
selfmademan$25.00$25.008/31/2009 1:52:42 PM
caipira$25.00$25.008/31/2009 2:19:36 PM
P7E$40.00$40.008/31/2009 2:25:48 PM
quintilian$25.00$25.008/31/2009 2:25:53 PM
fdsguy$50.00$50.008/31/2009 2:26:20 PM
plentiful-reward$25.00$25.008/31/2009 2:26:25 PM
Credit2Prosper$50.00$50.008/31/2009 2:26:31 PM
BGILlender$25.00$25.008/31/2009 4:39:01 PM
Amused1$25.00$25.008/31/2009 4:39:56 PM
Marfloogan$25.00$25.008/31/2009 4:41:28 PM
secretidentity$25.00$25.008/31/2009 4:41:35 PM
LKN2RTR$25.00$25.008/31/2009 4:38:09 PM
gravbox$25.00$25.008/31/2009 4:49:36 PM
andycheb$25.00$25.008/31/2009 4:39:04 PM
TEAM-Jasper$25.00$25.008/31/2009 4:40:23 PM
westsidehighway$25.00$25.008/31/2009 5:04:01 PM
DadWarbucks$38.29$38.298/31/2009 5:05:06 PM
derec$25.00$25.008/31/2009 5:25:28 PM
kumpa2u$25.00$25.008/31/2009 7:15:47 PM
QuantumLobster$25.00$25.008/31/2009 6:45:46 PM
linklady$25.00$25.009/1/2009 5:40:17 AM
ADIDASNO$25.00$25.008/31/2009 9:00:16 PM
AnxiousAirman$25.00$25.008/31/2009 10:15:52 PM
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ccdmp2004$25.00$25.009/1/2009 8:40:40 AM
wampum-proton$25.00$25.009/1/2009 8:35:52 AM
JagFan$25.00$25.009/1/2009 8:36:57 AM
shanedog$25.00$25.009/1/2009 11:06:19 AM
Oryx22$25.00$25.009/1/2009 11:50:35 AM
fastcar750$25.00$25.009/1/2009 11:00:37 AM
chicco$80.00$80.009/1/2009 11:07:11 AM
sentry256$25.00$25.009/1/2009 11:16:38 AM
Sphinx9499$25.00$25.009/1/2009 11:26:56 AM
kingbutthd$25.00$25.009/1/2009 1:15:14 PM
sweepeet$25.00$25.009/1/2009 1:38:37 PM
JL_FC$25.00$25.009/1/2009 4:56:20 PM
shawnw2$25.00$25.009/1/2009 3:36:15 PM
sellbuy40$25.00$25.009/1/2009 6:55:56 PM
KaiserRex$25.00$25.009/1/2009 6:56:05 PM
deal-mover$25.00$25.009/1/2009 6:56:23 PM
JoeMB$25.00$25.009/1/2009 6:56:39 PM
SafeSaxa$25.00$25.009/1/2009 6:59:23 PM
minista$25.00$25.009/1/2009 6:59:35 PM
Cubsfan07$25.00$25.009/1/2009 4:46:34 PM
AdamClemSC$25.00$25.009/1/2009 4:46:46 PM
bulabula$25.00$25.009/1/2009 4:56:07 PM
sunnyboy_7478$25.00$25.009/1/2009 4:56:13 PM
7588WorkingGuy$25.00$25.009/1/2009 4:45:50 PM
justinle$25.00$25.009/1/2009 4:56:14 PM
bruin558$50.00$50.009/1/2009 6:55:52 PM
OnyxLite$25.00$25.009/1/2009 6:56:03 PM
roman2008$25.00$25.009/1/2009 6:56:08 PM
flyboy24$25.00$25.009/1/2009 6:56:22 PM
jkitten$25.00$25.009/1/2009 6:56:42 PM
fuzed$25.00$25.009/1/2009 6:56:50 PM
ChuckChedda$25.00$25.009/1/2009 6:46:27 PM
outofoffice$50.00$50.009/1/2009 7:42:38 PM
grf1945$25.00$25.009/1/2009 6:55:54 PM
user1010$25.00$25.009/1/2009 6:56:02 PM
blujfan9293$25.00$25.009/1/2009 6:56:29 PM
a-fund-paradise$25.00$25.009/1/2009 6:56:35 PM
catheroo$25.00$25.009/1/2009 6:56:49 PM
pksfunds$28.21$28.219/2/2009 6:15:41 AM
unequivocal-velocity$50.00$50.009/1/2009 9:20:37 PM
norcalsv$50.00$50.009/1/2009 9:25:42 PM
jstefans$25.00$25.009/1/2009 8:16:28 PM
magnetic-kindness$25.00$25.009/1/2009 9:46:01 PM
Smartrider$25.00$25.009/1/2009 9:25:48 PM
djd50$25.00$25.009/2/2009 4:20:51 AM
bellach$25.00$25.009/2/2009 5:40:24 AM
CaboWaboRobo$25.00$25.009/2/2009 6:15:33 AM
ahalls$25.00$25.009/2/2009 10:30:16 AM
loanshark4u$25.00$25.009/2/2009 3:50:26 AM
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psycho-mullet$25.00$25.009/2/2009 11:34:44 AM
TOCPI$25.00$25.009/2/2009 7:40:14 AM
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dokiya777$50.00$50.009/2/2009 9:56:48 AM
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Cutts$25.00$25.009/2/2009 9:33:20 AM
intelligent-gold$25.00$25.009/2/2009 9:41:21 AM
icefish$29.86$29.869/2/2009 9:50:15 AM
Cbgator$25.00$25.009/2/2009 11:16:06 AM
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restech$25.00$25.009/3/2009 6:25:19 AM
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bazzer$25.00$25.009/3/2009 3:08:03 PM
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Goat$35.64$35.649/3/2009 11:31:41 AM
augsdad$25.00$25.009/3/2009 1:12:10 PM
ThisCatWillHelp$100.00$100.009/3/2009 1:12:55 PM
orninh$37.00$37.009/3/2009 1:34:39 PM
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inkplj$40.00$40.009/3/2009 3:07:07 PM
pischkoa$25.00$25.009/3/2009 3:08:04 PM
Au-Ag-Pt$25.00$25.009/3/2009 3:57:24 PM
mscomeaux$25.00$25.009/3/2009 8:10:38 PM
CULPEPPERGROUP$25.00$25.009/4/2009 6:26:08 AM
NJournalist$25.00$25.009/4/2009 10:46:15 PM
Bufordo$50.00$50.009/5/2009 5:56:31 PM
Hamachi$50.00$50.009/5/2009 8:09:42 PM
GreenBuilder247$25.00$25.009/5/2009 5:26:35 PM
Raghu$120.00$120.009/6/2009 6:12:41 PM
rawsushi$50.00$50.009/6/2009 7:17:10 PM
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rdrloan$25.00$25.008/28/2009 4:16:05 PM
elated-justice$25.00$25.008/28/2009 4:16:53 PM
liederhaus$50.00$50.008/28/2009 4:20:15 PM
atllender$25.00$25.008/28/2009 4:20:42 PM
theQuietLender$25.00$25.008/28/2009 4:20:51 PM
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Champpilot$50.00$50.008/28/2009 4:23:08 PM
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peb44$100.00$100.008/28/2009 4:24:14 PM
keeks$25.00$25.008/28/2009 4:25:50 PM
BlueSummers$25.00$25.008/28/2009 4:26:20 PM
mpactlender$25.00$25.008/28/2009 4:26:48 PM
Katahdin$25.00$25.008/28/2009 4:27:24 PM
best-platinum-persimmon$25.00$25.008/28/2009 4:20:34 PM
the-profit-oracle$25.00$25.008/28/2009 4:20:46 PM
pure-deal6$25.00$25.008/28/2009 4:20:57 PM
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whiteshadow$50.00$50.008/28/2009 4:25:26 PM
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decisive-capital$50.00$50.008/28/2009 4:25:58 PM
OldProp$25.00$25.008/28/2009 4:29:03 PM
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honorable-yield$25.00$25.008/28/2009 4:22:13 PM
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zeelender$25.00$25.008/28/2009 4:23:27 PM
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gold-tsunami$25.00$25.008/28/2009 4:25:27 PM
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educationfirst$25.00$25.008/28/2009 4:26:46 PM
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catterpillar$25.00$25.008/28/2009 4:28:01 PM
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kulender$25.00$25.008/29/2009 3:40:24 PM
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iolaire$25.00$25.008/29/2009 1:31:02 PM
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tijuas90$25.00$25.008/30/2009 5:05:39 AM
brazilofmux$100.00$100.008/30/2009 5:07:11 AM
kscc183$25.00$25.008/30/2009 5:08:39 AM
takabanana$25.00$25.008/30/2009 11:05:16 AM
freetimeskier$50.00$50.008/30/2009 12:00:42 PM
the-silver-blaster$40.00$40.008/30/2009 1:25:20 PM
ALVO$25.00$25.008/30/2009 8:40:16 PM
hrubinst$25.00$25.008/30/2009 11:05:24 AM
cgkid$25.00$25.008/30/2009 1:50:19 PM
dspmn$25.00$25.008/31/2009 12:40:24 AM
anders94$51.51$51.518/30/2009 2:20:21 PM
HalfDayz$34.72$34.728/30/2009 7:26:43 PM
Trojan1976$25.00$25.008/31/2009 5:26:50 AM
gilbow$25.00$25.008/31/2009 5:36:53 AM
KiwiElf$29.37$29.378/30/2009 4:55:50 PM
bnlforever$25.00$25.008/30/2009 6:00:14 PM
new-thrilling-principal$25.00$25.008/31/2009 7:30:25 AM
amsocool$25.00$25.008/30/2009 7:10:59 PM
bba11er45$25.00$25.008/30/2009 8:46:38 PM
saffron4$25.00$25.008/31/2009 9:32:09 AM
NATIVEBORN$25.00$25.008/31/2009 8:20:20 AM
oldmora$25.00$25.008/31/2009 10:10:31 AM
KLCRAY$50.00$50.008/31/2009 8:57:35 AM
scoobiedoo$25.00$25.008/31/2009 9:55:37 AM
matusky$25.00$25.008/31/2009 11:39:06 AM
chekat$25.00$25.008/31/2009 11:53:50 AM
edognyc$25.00$25.008/31/2009 11:55:04 AM
mmckune$25.00$25.008/31/2009 12:18:06 PM
ethicalhumanist$25.00$25.008/31/2009 10:50:07 AM
DrStaff$27.57$27.578/31/2009 9:46:45 AM
kyxysyx$48.83$48.838/31/2009 11:20:35 AM
glalat$25.00$25.008/31/2009 2:18:39 PM
wise-silver-wonder$25.00$25.008/31/2009 10:41:33 AM
gristle$25.00$25.008/31/2009 2:18:47 PM
sloan$25.00$25.008/31/2009 12:18:01 PM
puifais$25.00$25.008/31/2009 10:42:11 AM
treasure-generator$25.00$25.008/31/2009 2:19:06 PM
Eudyptes$50.00$50.008/31/2009 2:25:25 PM
titan1$25.00$25.008/31/2009 2:25:33 PM
head$25.00$25.008/31/2009 2:25:56 PM
Hexnut$25.00$25.008/31/2009 2:26:19 PM
d3cotton$25.00$25.008/31/2009 2:26:26 PM
jct_enterprises$25.00$25.008/31/2009 1:15:24 PM
fostaman$25.00$25.008/31/2009 3:00:14 PM
interstellar$50.00$50.008/31/2009 11:45:42 AM
Clambake$50.00$50.008/31/2009 11:55:08 AM
fortytwo$70.00$70.008/31/2009 2:18:34 PM
booyah$45.00$45.008/31/2009 2:25:28 PM
money73$25.00$25.008/31/2009 2:26:16 PM
PatRichi$25.00$25.008/31/2009 2:26:22 PM
kanpur63$25.00$25.008/31/2009 2:26:28 PM
nick5454$31.24$31.248/31/2009 2:07:38 PM
aader$25.00$25.008/31/2009 2:18:49 PM
caliguian$25.00$25.008/31/2009 2:26:21 PM
pensacolaborn$25.00$25.008/31/2009 2:26:30 PM
theopposites$25.00$25.008/31/2009 2:26:32 PM
feedpaulyfaster$25.00$25.008/31/2009 4:12:17 PM
TheColoradoDon$25.00$25.008/31/2009 4:39:11 PM
salala$25.00$25.008/31/2009 4:39:06 PM
L-vex$25.00$25.008/31/2009 4:40:20 PM
PhalanxBulldog$25.00$25.008/31/2009 4:55:11 PM
cingular$25.00$25.008/31/2009 5:05:36 PM
LordKinbote$25.00$25.008/31/2009 5:05:34 PM
goingplaces99$25.00$25.008/31/2009 6:35:51 PM
BusyAgent$25.00$25.008/31/2009 10:20:24 PM
bigdogsafety1$25.00$25.008/31/2009 5:50:14 PM
herbyman$25.00$25.008/31/2009 8:00:30 PM
theaterguy$25.00$25.009/1/2009 9:19:03 AM
jam96$25.00$25.009/1/2009 10:52:25 AM
cbrucia$25.00$25.009/1/2009 11:04:25 AM
gdbanks$25.00$25.009/1/2009 11:06:26 AM
iruz$30.00$30.009/1/2009 6:20:20 AM
damanq$25.00$25.009/1/2009 11:26:50 AM
matt84003$25.00$25.009/1/2009 11:51:46 AM
Haydendover$25.00$25.009/1/2009 12:06:04 PM
dm_invest$25.00$25.009/1/2009 12:50:24 PM
return-owner$25.00$25.009/1/2009 10:52:43 AM
pwkpwk$25.00$25.009/1/2009 9:31:18 AM
income-rocker2$25.00$25.009/1/2009 9:52:04 AM
SavannahBear$25.00$25.009/1/2009 11:17:12 AM
Hogpilot$25.00$25.009/1/2009 2:35:19 PM
knitwhit122$25.00$25.009/1/2009 11:26:39 AM
drummer427$25.00$25.009/1/2009 12:25:34 PM
mc81$25.00$25.009/1/2009 4:46:48 PM
Cre8iveCash$25.00$25.009/1/2009 4:46:57 PM
Trimalchio12$56.48$56.489/1/2009 3:24:29 PM
jubilant-wealth$50.00$50.009/1/2009 4:55:47 PM
loiosh$25.00$25.009/1/2009 4:56:16 PM
another412$25.00$25.009/1/2009 3:30:20 PM
JSCAB-06$25.00$25.009/1/2009 4:05:19 PM
thevogelfamily$25.00$25.009/1/2009 6:45:38 PM
p2p_banker$25.00$25.009/1/2009 6:56:04 PM
member874$25.00$25.009/1/2009 6:56:25 PM
unequaled-worth$25.00$25.009/1/2009 6:56:28 PM
LOANMAN614$25.00$25.009/1/2009 4:42:17 PM
orangemutt$25.00$25.009/1/2009 4:56:11 PM
ah-long$25.00$25.009/1/2009 4:56:15 PM
the-return-rapture$25.00$25.009/1/2009 8:25:18 PM
MattTheGr8$25.00$25.009/1/2009 4:46:37 PM
stolan$25.00$25.009/1/2009 6:40:20 PM
SMARTDISK$25.00$25.009/1/2009 4:55:47 PM
pbo922$25.00$25.009/1/2009 4:56:17 PM
kazanov$25.00$25.009/1/2009 6:56:12 PM
Binan$25.00$25.009/1/2009 6:56:18 PM
Ananya$25.00$25.009/1/2009 6:56:38 PM
shaker348$25.00$25.009/1/2009 6:56:45 PM
disclaimer777cc$25.00$25.009/2/2009 4:25:26 AM
pimienta$25.00$25.009/1/2009 6:55:50 PM
taylor883$25.00$25.009/1/2009 6:55:58 PM
chicago1228$25.00$25.009/1/2009 6:56:41 PM
DaveG56313$25.00$25.009/2/2009 6:10:21 AM
kruizen$25.00$25.009/1/2009 8:20:28 PM
windfall46$25.00$25.009/1/2009 9:05:42 PM
jibe-set$48.12$48.129/1/2009 7:45:22 PM
NOLALEND$25.00$25.009/2/2009 8:50:45 AM
compassion-paladin042$25.00$25.009/1/2009 8:20:37 PM
WorldGoRound$25.00$25.009/1/2009 10:10:24 PM
MyKidsDad$25.00$25.009/1/2009 8:55:17 PM
lcole32$25.00$25.009/1/2009 9:10:19 PM
broepke$25.00$25.009/1/2009 10:30:17 PM
snwbrder0721$25.00$25.009/2/2009 6:15:37 AM
enigmallc$25.00$25.009/2/2009 12:05:14 AM
new-goal-return$25.00$25.009/2/2009 7:07:55 AM
worth-sanctuary9$25.00$25.009/2/2009 8:13:31 AM
bid-papyrus$50.00$50.009/2/2009 9:31:59 AM
mistertao$25.00$25.009/2/2009 12:26:55 PM
ritwngr$25.00$25.009/2/2009 1:35:14 PM
gpsgreg$25.00$25.009/2/2009 3:01:36 PM
dparkhom$25.00$25.009/2/2009 2:05:32 PM
ctruong53$80.00$80.009/2/2009 4:31:55 PM
Searlzy$25.00$25.009/2/2009 8:25:42 PM
Dia_Lucri3$25.00$25.009/2/2009 8:55:29 PM
Panitza$44.60$44.609/2/2009 8:36:09 PM
Divot$25.00$25.009/2/2009 8:52:06 PM
dadalou$25.00$25.009/3/2009 9:37:15 AM
JDFuego$25.00$25.009/3/2009 6:21:24 AM
wealthstar$25.00$25.009/3/2009 5:07:01 AM
sail120$25.00$25.009/3/2009 9:37:23 AM
Josilot$25.00$25.009/3/2009 2:31:22 PM
Ballard$25.00$25.009/3/2009 3:05:43 PM
Yankeehill$25.00$25.009/3/2009 9:37:43 AM
Proud2BAmerican$25.00$25.009/3/2009 12:40:16 PM
bmarch$25.00$25.009/3/2009 11:26:10 AM
spike16$25.00$25.009/3/2009 3:08:09 PM
gobot$47.70$47.709/3/2009 3:05:18 PM
p2ploan-battalion509$32.09$17.819/3/2009 3:08:28 PM
lounges$50.00$50.009/4/2009 10:16:24 AM
EODLEGS$25.00$25.009/4/2009 10:33:10 AM
george_kaplan$25.00$25.009/4/2009 11:24:56 AM
Bizern$25.00$25.009/4/2009 10:46:04 AM
asset-numero-uno$50.00$50.009/5/2009 5:01:49 PM
ISHLEP67$25.00$25.009/4/2009 10:40:21 PM
jresu537$25.00$25.009/5/2009 11:10:19 AM
investmentgroup$25.00$25.009/5/2009 2:32:22 PM
bmbanzai$25.00$25.009/5/2009 6:20:26 PM
jdtrip03$107.00$107.009/5/2009 6:37:57 PM
imlosttoo$25.00$25.009/6/2009 7:20:22 PM
lendinstuff$25.00$25.009/6/2009 9:20:20 PM
divedude$25.00$25.009/6/2009 10:55:41 PM
yertle9$25.00$25.009/6/2009 11:05:16 AM
Raser$25.00$25.009/7/2009 4:50:15 AM
Mich411$25.00$25.009/6/2009 8:08:00 PM
camaraderi-entrepreneur$25.00$25.009/6/2009 10:55:28 PM
Danfromnapa$50.00$50.009/6/2009 10:55:50 PM
Blue_HorseShoe$25.00$25.009/6/2009 10:55:54 PM
serpentine$50.00$50.009/6/2009 10:55:57 PM
dollar-oracle55$25.00$25.009/6/2009 10:55:47 PM
mjjjrj$25.00$25.009/7/2009 11:16:46 AM
duty-monger$25.00$25.009/6/2009 11:10:21 PM
spsavage$25.00$25.009/7/2009 4:17:49 PM
coolspeed$25.00$25.009/7/2009 10:25:10 AM
helpu88$25.00$25.009/7/2009 10:50:39 AM
CPAMAN$25.00$25.009/7/2009 12:45:36 PM
Rogesparkguy$25.00$25.009/7/2009 4:16:10 PM
codyrun$25.00$25.009/7/2009 4:17:12 PM
wgc$25.00$25.009/7/2009 11:33:58 PM
wifibank$25.00$25.009/7/2009 5:01:32 PM
kind-bid-maverick$50.00$50.009/7/2009 7:45:40 PM
geniusj$25.00$25.009/8/2009 12:13:28 AM
cashfl0w$26.88$26.889/8/2009 12:58:40 AM
Apeman00$25.00$25.009/7/2009 8:50:13 PM
489 bids
 
Borrower Payment Dependent Notes Series 422430
This series of Notes was issued and sold upon the funding of the borrower loan #38576, 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:  Sep-02-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Sep-10-2009 
 
Starting lender yield: 12.20% Starting borrower rate/APR: 13.20% / 15.59% Starting monthly payment: $50.69
Final lender yield: 11.20% Final borrower rate/APR: 12.20% / 14.58% Final monthly payment: $49.96
 
Auction yield range: 4.18% - 12.20% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.06%  
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: 10%
Credit score: 720-740 (Aug-2009) Current / open credit lines: 15 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $11,894 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: funds-stronghold Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit card
This loan is to pay off a high interest rate credit card. The company recently raised our rates to almost 30% even though we had never been late or missed a payment. My wife and I would like to pay it off and close it. We have the cash in savings to pay it off with but with baby #2 on the way we would like to keep as much in savings as we can. I plan on having this loan paid off within the next 3 months using the income from a second job and savings if we have to.


I am a good candidate for this loan because my wife and I never miss payments and always pay on time. I have also recently started a company and plan on using the propser community for capital within the next year. So my rating on this site is EXTREMELY important to me! I would like to have a 100% positive score on propser by the time I need to use for business which is another reason that we do not just use our savings to pay off the credit card account.


We have almost 2,000 dollars of disposable income each month which is also why I am confident that this loan will be paid off within the next 3 months.

If you have any questions please feel free to ask and I will answer them as soon as I can.
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 please explain the 2 delinquencies? - mobius_titan
A: They are both from student loans that I have from two different lenders. I was in graduate school at the time (3-4 years ago) and was unaware that these loans had entered into repayment status. I sent the necessarry documents to the student loan company to show that I was enrolled full-time at the time in question and they were supposed to be back dated to current and the past due status removed. I am in the process of hiring a credit repair company to get them removed. (Sep-09-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Stavros$30.00$30.009/2/2009 4:25:38 PM
odc24$50.00$50.009/3/2009 11:25:54 AM
louisprima$67.52$67.529/3/2009 1:45:28 PM
new-goal-return$25.00$25.009/3/2009 1:58:06 PM
Toony$25.00$25.009/3/2009 4:33:16 PM
pednatjr$25.00$25.009/4/2009 12:58:29 PM
MissionMicroFinance$25.00$25.009/4/2009 11:17:28 AM
dj624$100.00$100.009/4/2009 3:30:56 PM
mbf2234$50.00$0.639/5/2009 4:12:32 AM
power-cell$75.00$75.009/4/2009 6:38:53 PM
glazeddonuts$25.00$25.009/7/2009 4:41:54 PM
payontime1$50.00$50.009/7/2009 5:17:12 PM
Richmp412$25.00$25.009/8/2009 7:01:21 AM
rlarr1yd$30.83$30.839/8/2009 7:45:30 AM
cybercop45$50.00$50.009/8/2009 7:56:44 PM
fund-turtle$25.00$25.009/9/2009 10:00:07 AM
CULPEPPERGROUP$25.00$25.009/9/2009 5:59:46 PM
Syzygy$25.00$25.009/2/2009 4:23:18 PM
turbostar666$25.38$25.389/3/2009 11:35:19 AM
Gambino$50.00$50.009/4/2009 11:03:57 AM
GrayStudio$50.00$50.009/5/2009 4:17:46 AM
baci99$73.69$73.699/6/2009 6:18:20 AM
minista$25.00$25.009/6/2009 6:20:14 AM
boxermom$25.00$25.009/5/2009 6:47:13 PM
Credit2Prosper$31.95$31.959/6/2009 10:26:20 PM
credit-maestro$50.00$50.009/6/2009 6:51:43 AM
Mich411$25.00$25.009/6/2009 8:10:33 PM
BoughtTheFarm$25.00$25.009/7/2009 6:30:33 AM
Kessler$25.00$25.009/7/2009 4:32:21 PM
MidnightBank$25.00$25.009/7/2009 4:24:40 PM
glazeddonuts$25.00$25.009/7/2009 4:41:05 PM
kinetic-social$50.00$50.009/8/2009 3:36:25 PM
squid$50.00$50.009/8/2009 5:24:14 PM
Bank_of_Smitty33$25.00$25.009/8/2009 3:41:57 PM
unequivocal-velocity$50.00$50.009/8/2009 5:41:13 PM
Int_PrinRateTime4000$40.00$40.009/9/2009 6:02:27 AM
unbeatable-wealth$25.00$25.009/8/2009 5:32:53 PM
paramjit$25.00$25.009/8/2009 5:58:51 PM
lawboy74$25.00$25.009/8/2009 7:58:04 PM
mobius_titan$25.00$25.009/9/2009 9:05:51 AM
FairChanceLender$25.00$25.009/9/2009 8:02:05 PM
FredHead3$25.00$25.009/10/2009 12:18:13 PM
42 bids
 
Borrower Payment Dependent Notes Series 422474
This series of Notes was issued and sold upon the funding of the borrower loan #38567, 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-31-2009 
Term: 36 months Estimated loss: 14.7% Auction end date:  Sep-13-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
Final lender yield: 29.85% Final borrower rate/APR: 30.85% / 33.51% Final monthly payment: $64.38
 
Auction yield range: 14.18% - 34.00% Estimated loss impact: 16.07%  
Lender servicing fee: 1.00% Estimated return: 13.78%  
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: Feb-1997 Debt/Income ratio: 30%
Credit score: 620-640 (Aug-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $6,200 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 2    
Screen name: affluence-ace 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 620-640 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
640-660 (Sep-2008)
 
Principal balance: $2,335.92 1+ mo. late: 0 ( 0% )
Total payments billed: 10  
Description
Automobile repairs
Purpose of loan:
This loan will be used to?
My 2006 Dodge Caravan needs emergency repairs.? I really would appreciate the help with the repairs.? I have another Prosper loan that is always paid on time.? I use ACH withdrawl to make sure that loan is taken care of and will do the same for this loan.
My financial situation:
I am a good candidate for this loan because?
I have a steady income and a very stable job.? I have another Prosper loan and have always paid on time.? I use ACH withdrawl to make sure that loan is taken care of and will do the same with this loan.? I am not sure why my rating is so low, I pay my bills on time and though my credit isn't perfect I have been doing well for several years.? I am trustworthy and promise to pay, please help!
Monthly net income: $ 4550
Job #1 $4000
Job #2 $550
Monthly expenses: $ 2673
??Housing: $?1200
??Insurance: $ 150
??Car expenses: $ 423
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Okay, here's the help you've asked for: I'm funding your loan in full; don't let me down. - IM-SHARKY
A: THANK YOU so much for the help! I promise I won't let you down! If you have any questions let me know. (Sep-13-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IM-SHARKY$1,500.00$1,500.009/13/2009 9:16:39 AM
1 bids
 
Borrower Payment Dependent Notes Series 423068
This series of Notes was issued and sold upon the funding of the borrower loan #38582, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction start date:  Sep-04-2009 
Term: 36 months Estimated loss: 14.0% Auction end date:  Sep-11-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $45.24
 
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: Sep-2006 Debt/Income ratio: 13%
Credit score: 680-700 (Sep-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 2Length of status:3y 5m
Amount delinquent: $0 Revolving credit balance: $1,101 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bold-urbane-dollar Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a motorcycle
Purpose of loan:
This loan will be used to purchase a motorcycle. I would like up the hobby of riding motorcycles. This always has been a dream of mine, and I recently came across a bike that is both a great starter bike, and a great value.

My financial situation:
I am a good candidate for this loan because of my income. I'm confident that I can make the monthly payments on this loan without any trouble. After expenses, I usually have around $700- $800/month. My credit is important to me, and I would not take on any additional debt that I didn't think I could reliably pay back.

Monthly net income: $ 1050

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 80
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 20
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
periko$50.00$50.009/5/2009 8:19:19 AM
Kqwik$47.38$47.389/6/2009 10:32:51 PM
aztocas$25.00$25.009/7/2009 12:03:52 AM
Workaholic79$35.00$35.009/8/2009 2:18:59 PM
fallentimbers$25.00$25.009/8/2009 6:54:07 PM
eman48$38.94$38.949/10/2009 2:34:12 PM
titancash4u$25.00$25.009/11/2009 12:39:57 AM
wwwUniversal$25.00$9.309/11/2009 8:36:00 AM
brightXeyes$50.00$50.009/10/2009 11:43:19 PM
zxr$25.00$25.009/11/2009 7:54:09 AM
aztocas$25.00$25.009/4/2009 6:52:09 PM
victor111$25.00$25.009/5/2009 10:54:20 AM
Jasmel$200.00$200.009/4/2009 5:22:46 PM
glazeddonuts$25.00$25.009/6/2009 11:00:18 PM
littlemonkey$25.00$25.009/7/2009 4:57:45 PM
MONEY_IN_THE_BANK$39.75$39.759/7/2009 6:15:51 PM
SCIGIE$25.00$25.009/8/2009 3:44:34 AM
buffalobills$25.00$25.009/8/2009 2:21:11 PM
1-HARD-HEAD$50.00$50.009/8/2009 3:30:19 PM
FrogAndToad$25.00$25.009/9/2009 9:04:18 AM
wwwUniversal$30.00$30.009/9/2009 4:31:12 PM
OSERENKUKU$36.22$36.229/9/2009 8:13:45 PM
Engineer44$25.00$25.009/10/2009 4:50:28 PM
kevlar$25.00$25.009/10/2009 10:51:49 PM
noble-revenue$88.41$88.419/10/2009 5:52:58 PM
25 bids