Sales Report:Supplement No. 49 dated Sep 30, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
423161
This series of Notes was issued and sold upon the funding of the borrower loan #38719, 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:
| Sep-04-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-18-2009 |
|
|
Starting lender yield:
| 12.33% |
Starting borrower rate/APR:
| 13.33% / 15.48% |
Starting monthly payment:
| $338.53 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $324.08 |
| |
|
Auction yield range:
| 4.18% - 12.33% |
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:
| Aug-1999 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 780-800 (Sep-2009) |
Current / open credit lines:
| 12
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 1y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,483 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 20% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| jamiea |
Borrower's state:
| Virginia |
Borrower's group:
| 1st and BEST for Loans |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 780-800 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Mar-2008)
|
|
Principal balance:
| $2,976.27 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Paying off all credit cards
Purpose of loan:
This loan will be used to consolidate all my debts.
My financial situation:
I am a good candidate for this loan because I'm currently on track for paying off all my debts, I would just like to pay them off sooner if possible.? Easiest way is to find a lower interest rate so more money can goto the loan principle.
I have a stable job, and I'm good about paying my bills on time.? The delinquency on my credit record is from when I was in the Military, I changed duty stations and one of my statements got lost and therefore I didn't know it was due.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Cai8899 | $25.00 | $25.00 | 9/4/2009 3:24:09 PM |
| lagnisiruk | $25.00 | $25.00 | 9/4/2009 3:24:14 PM |
| Hogpilot | $25.00 | $25.00 | 9/4/2009 3:25:42 PM |
| gm93001 | $25.00 | $25.00 | 9/4/2009 3:25:50 PM |
| LoanGiver | $25.00 | $25.00 | 9/4/2009 3:26:06 PM |
| Goodlender42 | $25.00 | $25.00 | 9/4/2009 3:26:55 PM |
| ok | $25.00 | $25.00 | 9/4/2009 3:27:04 PM |
| RICHMONDREB | $25.00 | $25.00 | 9/4/2009 3:27:22 PM |
| ujiba | $25.00 | $25.00 | 9/4/2009 3:18:19 PM |
| Cherrypicker06 | $25.00 | $25.00 | 9/4/2009 3:24:27 PM |
| Sid-K | $50.00 | $50.00 | 9/4/2009 3:24:42 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/4/2009 3:25:10 PM |
| greenback-floret | $25.00 | $25.00 | 9/4/2009 3:25:19 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/4/2009 3:25:45 PM |
| personal-lender | $25.00 | $25.00 | 9/4/2009 3:26:12 PM |
| gold-tsunami | $25.00 | $25.00 | 9/4/2009 3:26:22 PM |
| honorable-yield | $50.00 | $50.00 | 9/4/2009 3:24:37 PM |
| DukSerduk | $25.00 | $25.00 | 9/4/2009 3:24:46 PM |
| skuba | $50.00 | $50.00 | 9/4/2009 3:24:52 PM |
| bchen78875 | $50.00 | $50.00 | 9/4/2009 3:25:03 PM |
| testobsessed | $100.00 | $100.00 | 9/4/2009 3:25:13 PM |
| rjleves | $25.00 | $25.00 | 9/4/2009 3:26:51 PM |
| festivecpl | $100.00 | $100.00 | 9/4/2009 8:34:08 PM |
| Syzygy | $25.00 | $25.00 | 9/4/2009 10:26:58 PM |
| jgar_O | $30.00 | $30.00 | 9/5/2009 10:50:33 AM |
| buckyhead2000 | $25.00 | $25.00 | 9/7/2009 6:35:42 AM |
| kenji4861 | $46.76 | $46.76 | 9/6/2009 11:46:11 PM |
| LuckySF | $44.20 | $44.20 | 9/7/2009 8:42:12 AM |
| blackstar | $25.00 | $25.00 | 9/7/2009 4:05:19 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/7/2009 5:20:58 PM |
| mikeandcat | $50.00 | $50.00 | 9/8/2009 9:44:06 AM |
| noble-revenue | $25.00 | $25.00 | 9/8/2009 10:06:12 AM |
| top-unflappable-economy | $25.00 | $25.00 | 9/8/2009 7:59:10 PM |
| linklady | $50.00 | $50.00 | 9/9/2009 6:42:45 AM |
| asset-numero-uno | $100.00 | $100.00 | 9/9/2009 2:37:28 PM |
| RJN | $25.00 | $25.00 | 9/9/2009 2:43:54 PM |
| DrStaff | $36.49 | $36.49 | 9/9/2009 5:29:06 PM |
| lending-bear | $50.00 | $50.00 | 9/9/2009 6:00:01 PM |
| Jassi | $25.00 | $25.00 | 9/9/2009 5:37:57 PM |
| ritchie70 | $25.00 | $25.00 | 9/9/2009 9:00:19 PM |
| 888168 | $50.00 | $50.00 | 9/9/2009 5:58:07 PM |
| JJS180 | $25.00 | $25.00 | 9/10/2009 11:36:48 AM |
| MissionMicroFinance | $25.00 | $25.00 | 9/10/2009 4:27:27 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 9/10/2009 5:01:17 PM |
| neenerman | $25.00 | $25.00 | 9/10/2009 9:40:04 PM |
| Hokiemon | $49.43 | $49.43 | 9/11/2009 4:55:40 PM |
| practice44 | $25.00 | $25.00 | 9/11/2009 5:24:53 PM |
| pbeach05 | $25.00 | $25.00 | 9/12/2009 8:19:42 AM |
| kinetic-diversification | $25.00 | $25.00 | 9/13/2009 1:05:36 PM |
| chipperjohnson | $50.00 | $50.00 | 9/14/2009 8:35:45 AM |
| mscomeaux | $25.00 | $25.00 | 9/14/2009 8:55:44 AM |
| coin-lender77 | $25.00 | $25.00 | 9/14/2009 7:05:45 AM |
| kumpa2u | $50.00 | $50.00 | 9/14/2009 8:57:53 AM |
| rose88 | $25.00 | $25.00 | 9/14/2009 7:06:08 AM |
| engaging-worth | $30.00 | $30.00 | 9/14/2009 9:36:32 AM |
| longisland47m | $25.00 | $25.00 | 9/14/2009 9:49:08 AM |
| All_Wins | $25.00 | $25.00 | 9/14/2009 9:43:30 AM |
| CoolHelp | $25.00 | $25.00 | 9/14/2009 9:00:58 AM |
| CPAMAN | $25.00 | $25.00 | 9/14/2009 5:50:38 PM |
| hyperchamp | $25.00 | $25.00 | 9/14/2009 6:56:15 PM |
| reefer | $50.00 | $50.00 | 9/14/2009 6:56:24 PM |
| assetmanager | $25.00 | $25.00 | 9/14/2009 7:29:54 PM |
| shanedog | $25.00 | $25.00 | 9/14/2009 7:30:02 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/14/2009 7:53:19 PM |
| js60l | $25.00 | $25.00 | 9/14/2009 8:04:35 PM |
| tayzak | $25.00 | $25.00 | 9/14/2009 6:54:13 PM |
| Turkish101 | $25.00 | $25.00 | 9/14/2009 6:54:41 PM |
| LenderIntegrity24 | $25.00 | $25.00 | 9/14/2009 6:55:51 PM |
| ganoman21 | $25.00 | $25.00 | 9/14/2009 8:55:23 PM |
| XD2005 | $25.00 | $25.00 | 9/14/2009 6:58:52 PM |
| yield-blanket | $25.00 | $25.00 | 9/14/2009 7:29:31 PM |
| Chessplayer71 | $40.00 | $40.00 | 9/14/2009 7:50:37 PM |
| SOP_Bank | $25.00 | $25.00 | 9/15/2009 6:31:40 AM |
| PatRichi | $25.00 | $25.00 | 9/15/2009 11:41:15 AM |
| shawnw2 | $25.00 | $25.00 | 9/15/2009 12:21:52 PM |
| Maccs55 | $50.00 | $50.00 | 9/15/2009 1:27:00 PM |
| funds-promiser | $50.00 | $50.00 | 9/15/2009 1:35:29 PM |
| best-platinum-persimmon | $50.00 | $50.00 | 9/15/2009 3:30:25 PM |
| edognyc | $25.00 | $25.00 | 9/15/2009 4:15:05 PM |
| NATIVEBORN | $26.94 | $26.94 | 9/15/2009 5:14:49 PM |
| Namrok | $25.00 | $25.00 | 9/15/2009 5:14:57 PM |
| Divot | $25.00 | $25.00 | 9/15/2009 5:35:28 PM |
| Raser | $25.00 | $25.00 | 9/15/2009 5:15:56 PM |
| lowestghost | $25.00 | $25.00 | 9/15/2009 6:00:51 PM |
| Synergism | $25.00 | $25.00 | 9/15/2009 5:35:24 PM |
| suburbanman64 | $50.00 | $50.00 | 9/15/2009 4:54:07 PM |
| hobodave | $25.00 | $25.00 | 9/15/2009 8:40:53 PM |
| uncleegg | $25.00 | $25.00 | 9/16/2009 3:15:17 AM |
| market-assembler | $50.00 | $50.00 | 9/15/2009 5:17:11 PM |
| kyomoon | $40.37 | $40.37 | 9/15/2009 5:35:30 PM |
| degster | $25.00 | $25.00 | 9/16/2009 8:45:22 AM |
| DaveTheWave | $38.60 | $38.60 | 9/16/2009 9:06:39 AM |
| Tradesmanlender | $25.00 | $25.00 | 9/16/2009 8:56:28 AM |
| fastcar750 | $25.00 | $25.00 | 9/16/2009 10:40:33 AM |
| Barbaro | $25.00 | $25.00 | 9/16/2009 10:40:53 AM |
| mmqc | $25.00 | $25.00 | 9/15/2009 10:20:16 PM |
| haven001 | $25.00 | $25.00 | 9/16/2009 11:10:07 AM |
| zbfamwl | $25.00 | $25.00 | 9/16/2009 12:05:24 PM |
| asya | $29.00 | $29.00 | 9/16/2009 12:08:02 PM |
| philipandc | $25.00 | $25.00 | 9/16/2009 12:26:07 PM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 9/16/2009 12:38:10 PM |
| wintersnowman | $25.00 | $25.00 | 9/16/2009 12:49:13 PM |
| Immunologist | $25.00 | $25.00 | 9/16/2009 9:30:33 AM |
| Tamerz | $25.00 | $25.00 | 9/16/2009 12:56:50 PM |
| RainbowEnd | $25.00 | $25.00 | 9/16/2009 1:10:52 PM |
| DeathScythe676 | $25.00 | $25.00 | 9/16/2009 9:44:54 AM |
| xphile | $25.00 | $25.00 | 9/16/2009 9:51:01 AM |
| AJSinvest | $25.00 | $25.00 | 9/16/2009 10:40:41 AM |
| BiggestG | $25.00 | $25.00 | 9/16/2009 10:46:14 AM |
| jetblack | $50.00 | $50.00 | 9/16/2009 11:20:15 AM |
| ebgb234 | $25.00 | $25.00 | 9/16/2009 12:16:31 PM |
| bugleusmc | $30.00 | $30.00 | 9/16/2009 12:31:44 PM |
| lincs | $25.00 | $25.00 | 9/16/2009 12:56:13 PM |
| eureka117 | $27.50 | $27.50 | 9/16/2009 5:18:01 PM |
| JSKUSN | $25.00 | $25.00 | 9/17/2009 6:40:21 AM |
| CashBank | $25.00 | $25.00 | 9/17/2009 9:02:26 AM |
| Oak-Parker | $25.99 | $25.99 | 9/16/2009 8:35:19 PM |
| FOFagent1 | $100.00 | $100.00 | 9/17/2009 4:44:21 AM |
| Vans1975 | $50.00 | $50.00 | 9/17/2009 3:02:56 PM |
| Syzygy | $25.00 | $25.00 | 9/17/2009 7:17:41 AM |
| OoM | $25.00 | $25.00 | 9/17/2009 4:26:16 PM |
| little_shark_J | $25.00 | $25.00 | 9/17/2009 5:24:22 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/17/2009 4:55:12 PM |
| Phantom | $50.00 | $50.00 | 9/17/2009 2:45:01 PM |
| JSTHLPNG | $25.00 | $25.00 | 9/17/2009 6:25:57 PM |
| CaliforniaSun | $25.00 | $25.00 | 9/17/2009 5:26:16 PM |
| George2384 | $25.00 | $25.00 | 9/17/2009 9:34:25 PM |
| wwwUniversal | $25.00 | $25.00 | 9/18/2009 7:43:56 AM |
| blot44 | $25.00 | $25.00 | 9/18/2009 8:09:07 AM |
| Leshan | $45.91 | $45.91 | 9/18/2009 8:46:58 AM |
| Lender50 | $25.00 | $25.00 | 9/18/2009 8:52:08 AM |
| bhargapa | $25.00 | $25.00 | 9/18/2009 10:43:12 AM |
| McChan | $50.00 | $50.00 | 9/18/2009 9:48:11 AM |
| Mack_Inv | $25.00 | $25.00 | 9/18/2009 10:14:41 AM |
| bhargapa | $200.00 | $200.00 | 9/18/2009 10:41:51 AM |
| admirable-credit | $25.00 | $25.00 | 9/18/2009 11:41:53 AM |
| maga | $300.00 | $300.00 | 9/18/2009 11:47:30 AM |
| Flshedman | $50.00 | $50.00 | 9/18/2009 12:17:19 PM |
| LAKETIME | $25.00 | $25.00 | 9/18/2009 12:04:25 PM |
| pilla | $50.00 | $50.00 | 9/18/2009 12:41:24 PM |
| dealmaster | $53.26 | $53.26 | 9/18/2009 12:44:32 PM |
| wealth-comet694 | $25.00 | $25.00 | 9/18/2009 1:34:48 PM |
| moneyismyfriend | $50.00 | $50.00 | 9/18/2009 2:16:14 PM |
| nethawk00 | $25.00 | $25.00 | 9/18/2009 2:22:12 PM |
| toddr54 | $51.05 | $51.05 | 9/18/2009 2:58:27 PM |
| SCD | $25.00 | $25.00 | 9/18/2009 3:02:03 PM |
| Engineer44 | $40.00 | $40.00 | 9/18/2009 3:12:25 PM |
| don8ter | $60.00 | $60.00 | 9/4/2009 3:24:31 PM |
| cash-sensai2 | $25.00 | $25.00 | 9/4/2009 3:24:57 PM |
| bid-papyrus | $50.00 | $50.00 | 9/4/2009 3:26:03 PM |
| seasportsguy | $25.00 | $25.00 | 9/4/2009 3:25:26 PM |
| yank918 | $25.00 | $25.00 | 9/4/2009 3:26:39 PM |
| Artist_Blue | $25.00 | $25.00 | 9/4/2009 3:24:21 PM |
| elasermd | $50.00 | $50.00 | 9/4/2009 3:25:23 PM |
| Kame | $25.00 | $25.00 | 9/4/2009 3:25:56 PM |
| five-star-justice | $36.00 | $36.00 | 9/4/2009 3:26:34 PM |
| crossborders | $25.00 | $25.00 | 9/4/2009 3:27:28 PM |
| all_of_that_one | $25.00 | $25.00 | 9/5/2009 12:35:34 PM |
| impartial-deal | $25.00 | $25.00 | 9/6/2009 9:41:55 PM |
| goofy15975 | $25.00 | $25.00 | 9/6/2009 10:59:52 PM |
| szetowski | $25.00 | $25.00 | 9/6/2009 11:06:32 PM |
| kenyonhillbilly | $31.53 | $31.53 | 9/8/2009 6:13:44 AM |
| benroo | $25.00 | $25.00 | 9/8/2009 11:47:23 AM |
| nuclearmoose | $25.00 | $25.00 | 9/8/2009 1:04:59 PM |
| bowdish1 | $50.00 | $50.00 | 9/8/2009 4:42:55 PM |
| Avala | $25.00 | $25.00 | 9/9/2009 2:01:23 PM |
| Coach2often | $50.00 | $50.00 | 9/9/2009 3:11:11 PM |
| wormdc | $25.00 | $25.00 | 9/9/2009 2:37:29 PM |
| djs81 | $25.00 | $25.00 | 9/9/2009 2:45:00 PM |
| museic1 | $25.00 | $25.00 | 9/9/2009 5:56:33 PM |
| ClearLake | $25.00 | $25.00 | 9/9/2009 5:52:22 PM |
| MidnightBank | $25.00 | $25.00 | 9/9/2009 9:40:01 PM |
| screenname03 | $25.00 | $25.00 | 9/10/2009 9:44:45 PM |
| TK4 | $25.00 | $25.00 | 9/10/2009 7:35:59 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/11/2009 3:10:40 PM |
| mathprof | $25.00 | $25.00 | 9/11/2009 2:14:35 PM |
| sas19 | $25.00 | $25.00 | 9/12/2009 10:04:41 AM |
| totoro | $25.00 | $25.00 | 9/12/2009 10:09:51 AM |
| credit-coach118 | $25.00 | $25.00 | 9/13/2009 8:54:34 AM |
| LPSolutions | $25.00 | $25.00 | 9/12/2009 6:35:13 PM |
| compoundinterest | $50.00 | $50.00 | 9/12/2009 12:44:57 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/13/2009 3:04:27 PM |
| Masterlender | $25.00 | $25.00 | 9/12/2009 7:54:36 PM |
| thedoctor | $25.00 | $25.00 | 9/13/2009 1:09:30 PM |
| Ananya | $25.00 | $25.00 | 9/14/2009 8:58:10 AM |
| BookandLaw | $25.00 | $25.00 | 9/14/2009 8:58:35 AM |
| langdonx | $50.00 | $50.00 | 9/14/2009 6:50:54 AM |
| mh1169 | $25.00 | $25.00 | 9/14/2009 10:20:11 AM |
| majormoves1 | $25.00 | $25.00 | 9/14/2009 8:57:19 AM |
| dealarella | $25.00 | $25.00 | 9/14/2009 9:55:16 AM |
| hayhelp | $25.00 | $25.00 | 9/14/2009 3:08:24 PM |
| sparky1129 | $25.00 | $25.00 | 9/14/2009 3:24:42 PM |
| rce1964 | $25.00 | $25.00 | 9/14/2009 3:17:40 PM |
| aajwm | $25.00 | $25.00 | 9/14/2009 3:24:40 PM |
| ready-loan | $25.00 | $25.00 | 9/14/2009 6:56:23 PM |
| dansarkis | $25.00 | $25.00 | 9/14/2009 6:56:30 PM |
| lowrate | $25.00 | $25.00 | 9/14/2009 6:59:07 PM |
| BSr | $25.00 | $25.00 | 9/14/2009 6:56:26 PM |
| snowman34 | $25.00 | $25.00 | 9/14/2009 7:02:10 PM |
| pubnat | $25.00 | $25.00 | 9/14/2009 7:13:31 PM |
| financelover | $25.00 | $25.00 | 9/14/2009 6:35:28 PM |
| jt88 | $25.00 | $25.00 | 9/14/2009 7:38:10 PM |
| Sixmil | $25.00 | $25.00 | 9/14/2009 7:53:07 PM |
| BigBoy2008 | $25.00 | $25.00 | 9/14/2009 8:04:36 PM |
| elated-justice | $25.00 | $25.00 | 9/14/2009 8:17:36 PM |
| inventive-wealth2 | $25.00 | $25.00 | 9/14/2009 8:20:19 PM |
| abuyama22 | $25.00 | $25.00 | 9/14/2009 9:05:23 PM |
| top-impressive-dinero | $25.00 | $25.00 | 9/14/2009 11:56:40 PM |
| Oakland | $50.00 | $50.00 | 9/15/2009 7:54:32 AM |
| new-reward-sequoia | $25.00 | $25.00 | 9/15/2009 9:43:46 AM |
| turbine5 | $40.00 | $40.00 | 9/15/2009 11:05:49 AM |
| Gabriel02 | $25.00 | $25.00 | 9/15/2009 6:26:00 AM |
| slartibardfast | $30.00 | $30.00 | 9/15/2009 8:12:00 AM |
| beachbum22 | $25.00 | $25.00 | 9/15/2009 8:40:14 AM |
| BayShell | $40.00 | $40.00 | 9/15/2009 11:35:02 AM |
| Jeff89 | $25.00 | $25.00 | 9/15/2009 11:50:04 AM |
| nv | $25.00 | $25.00 | 9/15/2009 12:22:16 PM |
| skydiver111 | $25.00 | $25.00 | 9/15/2009 12:35:38 PM |
| rdextra | $25.00 | $25.00 | 9/15/2009 1:02:28 PM |
| generous-at-heart | $25.00 | $25.00 | 9/15/2009 3:37:27 PM |
| jcttjg | $25.00 | $25.00 | 9/15/2009 3:50:23 PM |
| affluence-tycoon | $50.00 | $50.00 | 9/15/2009 12:47:42 PM |
| focused-wampum | $44.51 | $44.51 | 9/15/2009 4:47:48 PM |
| director877 | $25.00 | $25.00 | 9/15/2009 3:25:08 PM |
| akgirlx | $25.00 | $25.00 | 9/15/2009 4:15:35 PM |
| DrPalaber | $25.00 | $25.00 | 9/15/2009 5:14:48 PM |
| miamiwill | $25.00 | $25.00 | 9/15/2009 5:14:50 PM |
| rmachi | $25.00 | $25.00 | 9/15/2009 5:15:59 PM |
| rulender | $50.00 | $50.00 | 9/15/2009 5:35:31 PM |
| Patter256 | $25.00 | $25.00 | 9/15/2009 6:20:09 PM |
| iLoaner | $25.00 | $25.00 | 9/15/2009 5:25:17 PM |
| passivesf | $25.00 | $25.00 | 9/15/2009 6:25:50 PM |
| chilichese | $25.00 | $25.00 | 9/15/2009 5:30:29 PM |
| tlp43 | $25.00 | $25.00 | 9/15/2009 5:35:22 PM |
| FirstPlaceBusinessFunding | $25.00 | $25.00 | 9/15/2009 6:00:49 PM |
| mizount | $25.00 | $25.00 | 9/15/2009 6:20:16 PM |
| gogmagog | $37.86 | $37.86 | 9/15/2009 8:10:26 PM |
| MrDavid | $50.00 | $50.00 | 9/15/2009 5:11:51 PM |
| barflyer | $25.00 | $25.00 | 9/16/2009 5:04:29 AM |
| bruin558 | $71.32 | $71.32 | 9/15/2009 11:05:26 PM |
| fortytwo | $29.68 | $29.68 | 9/15/2009 5:20:58 PM |
| woodenshoes | $25.40 | $25.40 | 9/15/2009 5:21:28 PM |
| income-excellence1 | $25.00 | $25.00 | 9/15/2009 5:35:21 PM |
| metro457 | $40.00 | $40.00 | 9/15/2009 6:15:40 PM |
| naniamo | $25.00 | $25.00 | 9/16/2009 9:36:20 AM |
| bansir | $25.00 | $25.00 | 9/15/2009 7:17:18 PM |
| cyberie21 | $37.88 | $37.88 | 9/16/2009 10:00:23 AM |
| KiwiElf | $30.00 | $30.00 | 9/16/2009 10:50:20 AM |
| psturm | $25.00 | $25.00 | 9/16/2009 10:55:25 AM |
| SwiDaddy | $25.00 | $25.00 | 9/16/2009 10:41:01 AM |
| AndersenWatcher | $25.00 | $25.00 | 9/16/2009 10:46:17 AM |
| HamletTower | $25.00 | $25.00 | 9/16/2009 11:25:17 AM |
| ChristopherHS | $25.00 | $25.00 | 9/16/2009 4:20:08 AM |
| chief_wo | $25.00 | $25.00 | 9/16/2009 12:08:24 PM |
| SavannahBear | $25.00 | $25.00 | 9/16/2009 12:26:01 PM |
| must32wind | $25.00 | $25.00 | 9/16/2009 12:21:32 PM |
| KBank | $25.00 | $25.00 | 9/16/2009 12:26:16 PM |
| bocap | $25.00 | $25.00 | 9/16/2009 12:26:19 PM |
| jwood3030 | $25.00 | $25.00 | 9/16/2009 12:26:31 PM |
| superchicken | $25.00 | $25.00 | 9/16/2009 12:40:16 PM |
| Bronxville2007 | $25.00 | $25.00 | 9/16/2009 12:50:29 PM |
| SkiNZ | $25.00 | $25.00 | 9/16/2009 9:30:39 AM |
| BankOfFrankFairness | $27.93 | $27.93 | 9/16/2009 12:55:32 PM |
| pulmdoc | $50.00 | $7.03 | 9/16/2009 1:10:57 PM |
| eggzie | $25.00 | $25.00 | 9/16/2009 11:06:04 AM |
| haryassman | $25.00 | $25.00 | 9/16/2009 2:15:31 PM |
| Phillip4ever | $25.00 | $25.00 | 9/16/2009 11:44:38 AM |
| colorado23 | $25.00 | $25.00 | 9/16/2009 12:05:17 PM |
| tolstoy00 | $25.00 | $25.00 | 9/16/2009 12:26:25 PM |
| DadWarbucks | $33.35 | $33.35 | 9/16/2009 12:55:19 PM |
| agile | $100.00 | $100.00 | 9/16/2009 4:27:35 PM |
| bodka121 | $74.10 | $74.10 | 9/16/2009 5:00:58 PM |
| Jim33 | $25.00 | $25.00 | 9/16/2009 8:16:13 PM |
| orgy63 | $50.00 | $50.00 | 9/17/2009 6:02:19 AM |
| 78 | $25.00 | $25.00 | 9/16/2009 5:33:17 PM |
| bkb7484 | $30.75 | $30.75 | 9/16/2009 5:42:16 PM |
| TheTimeIsNow | $25.00 | $25.00 | 9/17/2009 11:36:37 AM |
| kushbomb | $100.00 | $100.00 | 9/16/2009 11:48:27 PM |
| Lendomatic | $50.00 | $50.00 | 9/17/2009 3:39:46 AM |
| lazyeye | $35.48 | $35.48 | 9/17/2009 8:06:31 AM |
| Hogan55 | $50.00 | $50.00 | 9/17/2009 5:53:54 PM |
| cybercop45 | $25.00 | $25.00 | 9/17/2009 4:46:54 PM |
| enthralling-compassion | $25.00 | $25.00 | 9/17/2009 9:41:45 PM |
| loanman2007 | $75.00 | $75.00 | 9/18/2009 6:38:14 AM |
| brettj | $50.00 | $50.00 | 9/18/2009 8:45:59 AM |
| UC3307 | $90.00 | $90.00 | 9/18/2009 9:22:21 AM |
| coldfuzion | $46.23 | $46.23 | 9/18/2009 9:39:12 AM |
| evamkir | $26.66 | $26.66 | 9/18/2009 10:28:40 AM |
| Goodlender42 | $25.00 | $25.00 | 9/18/2009 10:40:43 AM |
| bhargapa | $25.00 | $25.00 | 9/18/2009 10:42:52 AM |
| bhargapa | $50.00 | $50.00 | 9/18/2009 10:43:33 AM |
| billyisafob | $25.00 | $25.00 | 9/18/2009 10:34:12 AM |
| adhawan325 | $28.79 | $28.79 | 9/18/2009 11:43:17 AM |
| selo80 | $35.00 | $35.00 | 9/18/2009 2:29:26 PM |
| Gnomes-of-Zurich | $25.00 | $25.00 | 9/18/2009 2:26:05 PM |
| gm93001 | $50.00 | $50.00 | 9/18/2009 2:26:18 PM |
| 296 bids
|
Borrower Payment Dependent Notes Series
424253
This series of Notes was issued and sold upon the funding of the borrower loan #38728, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-28-2009 |
|
|
Starting lender yield:
| 10.33% |
Starting borrower rate/APR:
| 11.33% / 13.45% |
Starting monthly payment:
| $148.03 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $145.84 |
| |
|
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:
| 10 |
First credit line:
| Nov-1992 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 12
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 12y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $13,242 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 50% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Piderman |
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 cards
Purpose of loan:
This loan will be used to pay off credit card debt.
My financial situation: left with all the debt after divorce.
I am a good candidate for this loan because I have a good, stable, government job and will be able to make the monthly payments. After getting divorced, I was left with all the credit card debt we'd amassed together during the marriage. I want to use this money to pay off that debt. I like the idea that I'll be paying real people (the Prosper investors) rather than a bank.
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:
Hi a-tremendous-p2p, Could you please list your credit cards, balances, and rates? Thanks. - golffish2
A:
Best Buy/ HSBC XXXX-8504 19.99% $375.49
Chase Manhattan XXXX-4254 15.99% $2,261.31
Citibank/Travelers XXXX-0608 18.99% $883.00
Chase Manhattan XXXX-1534 29.99% $2,212.74
(Sep-18-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Syzygy | $25.00 | $25.00 | 9/14/2009 4:54:17 PM |
| turbospeed | $25.00 | $25.00 | 9/14/2009 4:47:59 PM |
| Sid-K | $50.00 | $50.00 | 9/14/2009 5:12:25 PM |
| DukSerduk | $25.00 | $25.00 | 9/14/2009 5:12:39 PM |
| skuba | $50.00 | $50.00 | 9/14/2009 5:12:55 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/14/2009 5:13:57 PM |
| rjleves | $25.00 | $25.00 | 9/14/2009 5:17:53 PM |
| lagnisiruk | $25.00 | $25.00 | 9/14/2009 5:10:52 PM |
| cash-sensai2 | $25.00 | $25.00 | 9/14/2009 5:13:16 PM |
| Kame | $25.00 | $25.00 | 9/14/2009 5:16:00 PM |
| personal-lender | $25.00 | $25.00 | 9/14/2009 5:16:50 PM |
| gold-tsunami | $25.00 | $25.00 | 9/14/2009 5:17:08 PM |
| engaging-worth | $30.00 | $11.73 | 9/14/2009 5:42:54 PM |
| Cai8899 | $25.00 | $25.00 | 9/14/2009 5:10:40 PM |
| don8ter | $60.00 | $60.00 | 9/14/2009 5:11:34 PM |
| rose88 | $25.00 | $25.00 | 9/14/2009 5:40:36 PM |
| compoundinterest | $50.00 | $50.00 | 9/14/2009 5:31:47 PM |
| kinetic-diversification | $50.00 | $50.00 | 9/14/2009 5:34:20 PM |
| five-star-justice | $36.00 | $36.00 | 9/14/2009 7:38:21 PM |
| MoneyForNothing | $25.00 | $25.00 | 9/16/2009 7:16:28 AM |
| TheTimeIsNow | $25.00 | $25.00 | 9/18/2009 1:57:57 PM |
| ericd523 | $40.00 | $40.00 | 9/19/2009 5:29:14 PM |
| interstellar | $50.00 | $50.00 | 9/21/2009 12:13:21 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/21/2009 1:16:35 PM |
| loanman2007 | $50.00 | $50.00 | 9/22/2009 6:29:23 AM |
| JackinGreen | $57.79 | $57.79 | 9/21/2009 9:06:13 PM |
| 12puebloyankee | $25.00 | $25.00 | 9/22/2009 11:19:20 AM |
| jetblack | $50.00 | $50.00 | 9/22/2009 1:26:24 PM |
| Havana21 | $500.00 | $500.00 | 9/23/2009 10:01:54 AM |
| killdare | $25.00 | $25.00 | 9/23/2009 1:21:50 PM |
| visionary-currency | $100.00 | $100.00 | 9/23/2009 1:32:47 PM |
| tenchi2777 | $25.00 | $25.00 | 9/24/2009 8:31:58 AM |
| betheanswer | $50.00 | $50.00 | 9/24/2009 3:38:36 PM |
| WILender2 | $50.00 | $50.00 | 9/24/2009 7:15:52 PM |
| hellasow | $25.00 | $25.00 | 9/24/2009 9:27:54 PM |
| golffish2 | $50.00 | $50.00 | 9/25/2009 4:16:19 AM |
| fantasysports | $25.00 | $25.00 | 9/25/2009 10:00:01 AM |
| crazybill | $25.93 | $25.93 | 9/25/2009 11:19:40 AM |
| yield-quest | $25.00 | $25.00 | 9/25/2009 12:31:47 PM |
| BoCo | $31.14 | $31.14 | 9/25/2009 2:23:14 PM |
| RIVERBEND | $25.00 | $25.00 | 9/25/2009 1:22:37 PM |
| RiskAdverse | $25.00 | $25.00 | 9/25/2009 7:20:22 PM |
| CommerciaLender | $25.00 | $25.00 | 9/25/2009 8:54:21 PM |
| momentous-transaction8 | $100.00 | $100.00 | 9/25/2009 4:08:02 PM |
| johnrx | $50.00 | $50.00 | 9/25/2009 8:39:02 PM |
| tomjac2000 | $25.00 | $25.00 | 9/26/2009 10:48:30 AM |
| rjglender | $25.00 | $25.00 | 9/26/2009 3:26:50 PM |
| Hawkeyebank | $25.00 | $25.00 | 9/26/2009 6:06:26 AM |
| OGS_Capital | $25.00 | $25.00 | 9/26/2009 11:07:35 AM |
| suburbanman64 | $50.00 | $50.00 | 9/27/2009 9:35:17 AM |
| Onlyhappycustomers | $25.00 | $25.00 | 9/26/2009 5:56:50 PM |
| e3oM | $50.00 | $50.00 | 9/26/2009 8:31:17 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/26/2009 9:10:03 PM |
| fr0gpil0t | $25.00 | $25.00 | 9/28/2009 6:54:40 AM |
| ohmarkybaby | $25.00 | $25.00 | 9/27/2009 8:51:23 PM |
| diverse-transparency | $50.00 | $50.00 | 9/28/2009 8:29:39 AM |
| CashBank | $25.00 | $25.00 | 9/28/2009 8:57:41 AM |
| RIVERBEND | $25.00 | $25.00 | 9/28/2009 1:03:17 PM |
| PhalanxBulldog | $25.00 | $25.00 | 9/28/2009 10:45:42 AM |
| credit-coach118 | $25.00 | $25.00 | 9/28/2009 3:58:06 PM |
| cwm3651 | $25.00 | $25.00 | 9/28/2009 12:35:57 PM |
| usedtoborrow | $100.00 | $100.00 | 9/28/2009 3:12:09 PM |
| QsDad | $25.00 | $25.00 | 9/28/2009 3:25:24 PM |
| GALERXLoans | $25.00 | $25.00 | 9/28/2009 4:01:02 PM |
| bhargapa | $50.00 | $50.00 | 9/28/2009 4:26:11 PM |
| SnE | $25.00 | $25.00 | 9/28/2009 4:19:40 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/14/2009 5:00:51 PM |
| honorable-yield | $50.00 | $50.00 | 9/14/2009 5:12:11 PM |
| testobsessed | $100.00 | $100.00 | 9/14/2009 5:14:08 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/14/2009 5:15:41 PM |
| Halos2002 | $50.00 | $50.00 | 9/14/2009 5:20:04 PM |
| Cherrypicker06 | $25.00 | $25.00 | 9/14/2009 5:11:09 PM |
| seasportsguy | $25.00 | $25.00 | 9/14/2009 5:14:36 PM |
| LoanGiver | $25.00 | $25.00 | 9/14/2009 5:16:16 PM |
| bchen78875 | $50.00 | $50.00 | 9/14/2009 5:13:31 PM |
| elasermd | $50.00 | $50.00 | 9/14/2009 5:14:24 PM |
| sas19 | $25.00 | $25.00 | 9/14/2009 5:29:40 PM |
| bid-papyrus | $50.00 | $50.00 | 9/17/2009 5:20:07 PM |
| oldman1947 | $25.00 | $25.00 | 9/20/2009 11:58:56 AM |
| bid-wonder | $25.00 | $25.00 | 9/20/2009 7:42:48 PM |
| 850 | $200.00 | $200.00 | 9/20/2009 10:05:39 PM |
| bluflame9940 | $33.66 | $33.66 | 9/21/2009 8:06:19 AM |
| resolute-liberty | $25.00 | $25.00 | 9/21/2009 11:41:48 AM |
| PolarC | $28.47 | $28.47 | 9/21/2009 6:32:42 PM |
| Kelor99 | $25.00 | $25.00 | 9/21/2009 8:43:57 PM |
| chester55 | $50.00 | $50.00 | 9/22/2009 6:55:38 AM |
| brutai | $50.00 | $50.00 | 9/22/2009 10:01:17 AM |
| jayk63 | $25.00 | $25.00 | 9/22/2009 5:47:40 PM |
| rce1964 | $25.00 | $25.00 | 9/22/2009 5:04:54 PM |
| market-assembler | $28.28 | $28.28 | 9/23/2009 1:43:18 PM |
| sflawya | $25.00 | $25.00 | 9/24/2009 11:27:07 AM |
| SeaLoans | $25.00 | $25.00 | 9/24/2009 3:40:05 PM |
| VT2VA | $25.00 | $25.00 | 9/24/2009 6:06:40 PM |
| outofoffice | $50.00 | $50.00 | 9/24/2009 8:06:31 PM |
| StarFundingSource | $25.00 | $25.00 | 9/25/2009 11:28:55 AM |
| bkb7484 | $25.00 | $25.00 | 9/25/2009 6:13:56 PM |
| RandyL3 | $100.00 | $100.00 | 9/25/2009 5:08:21 PM |
| scrabbler | $25.00 | $25.00 | 9/27/2009 7:51:40 AM |
| JerryB96 | $25.00 | $25.00 | 9/26/2009 9:20:53 PM |
| maineman | $25.00 | $25.00 | 9/27/2009 3:17:44 AM |
| balance-chestnut | $25.00 | $25.00 | 9/28/2009 2:42:45 PM |
| maineman | $25.00 | $25.00 | 9/28/2009 2:10:29 PM |
| aqaq8877 | $122.00 | $122.00 | 9/28/2009 3:26:07 PM |
| bhargapa | $50.00 | $50.00 | 9/28/2009 4:25:52 PM |
| 104 bids
|
Borrower Payment Dependent Notes Series
329716
This series of Notes was issued and sold upon the funding of the borrower loan #38734, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-28-2009 |
|
|
Starting lender yield:
| 10.33% |
Starting borrower rate/APR:
| 11.33% / 13.45% |
Starting monthly payment:
| $98.69 |
|
Final lender yield:
| 8.80% |
Final borrower rate/APR:
| 9.80% / 11.90% |
Final monthly payment:
| $96.52 |
| |
|
Auction yield range:
| 4.18% - 10.33% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jan-1982 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 760-780 (Sep-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 43 | Length of status: | 16y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $15,149 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 71% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| mouka57 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Trustworthy Couple Seeks Loan
Purpose of loan:
This loan will be used to pay off our Sears credit card..? The interest is very high and we would like to get a lower rate and pay it off sooner. Paying the minimum amount with the existing interest rate will take years. The interest rate has soared since the new credit card laws have gone into effect..
My financial situation:
I am a good candidate for this loan because we have a good handle on our finances and pay our bills on time.
We both have long term employment and our sons are both self sufficient.? We are not frivilous with our money and stay home most of the time.? We cook? our own meals and visit friends for vacation once a year.? My husband has a band and plays gigs to make extra money. We have had some financial problems in the past but we are on track and want to be debt free.? We have refinanced our home to a fixed rate 30 yr mortgage.? Our main priority is family.
Monthly net income: $ 4000.00
Monthly expenses: $
??Housing: $ 1500.00
??Insurance: $160.00
??Car expenses: $ 150.00
??Utilities: $280.00
??Phone, cable, internet: $ 400.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
How much is on the Sears card and how much have you been paying per month? Please answer publicy. Thank you. - dasyjo
A:
I have been paying 85.00 per month, the payment has gone up to 140.00 per month. The total balance is 3200.00. They upped the interest rate to 29.9 percent.
(Sep-24-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Sven79 | $150.00 | $150.00 | 9/22/2009 1:31:13 PM |
| BHP12345 | $25.00 | $25.00 | 9/24/2009 9:44:55 AM |
| Syzygy | $25.00 | $25.00 | 9/24/2009 6:46:38 PM |
| Leshan | $50.00 | $50.00 | 9/25/2009 8:52:27 AM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/26/2009 3:24:49 AM |
| zzztimbo | $50.00 | $50.00 | 9/26/2009 8:27:05 AM |
| tomjac2000 | $25.00 | $25.00 | 9/26/2009 10:39:49 AM |
| LendThriftSimon | $25.30 | $25.30 | 9/26/2009 12:07:17 PM |
| MonkeyHero | $25.00 | $25.00 | 9/25/2009 11:06:18 PM |
| SkipMcGrath | $50.00 | $50.00 | 9/26/2009 6:17:07 AM |
| bossyboots01 | $25.00 | $25.00 | 9/26/2009 9:14:36 AM |
| thegreatstrafe | $25.00 | $25.00 | 9/26/2009 5:53:41 PM |
| lonix | $25.00 | $25.00 | 9/26/2009 8:53:11 PM |
| oldman68 | $25.00 | $25.00 | 9/26/2009 7:30:44 PM |
| Erikdbp | $25.00 | $25.00 | 9/27/2009 2:16:13 PM |
| kulender | $50.00 | $4.30 | 9/27/2009 5:36:30 AM |
| mikkanu | $25.00 | $25.00 | 9/27/2009 9:26:30 AM |
| OregonDane | $25.00 | $25.00 | 9/27/2009 8:03:20 PM |
| knowonder | $37.71 | $37.71 | 9/27/2009 6:58:40 PM |
| nanaof7 | $25.00 | $25.00 | 9/28/2009 10:38:05 AM |
| fr0gpil0t | $25.00 | $25.00 | 9/28/2009 6:52:24 AM |
| Jakes_Bank | $25.00 | $25.00 | 9/28/2009 6:02:52 AM |
| bds9646 | $47.00 | $47.00 | 9/28/2009 8:05:12 AM |
| jguerrajr | $50.00 | $50.00 | 9/28/2009 11:07:54 AM |
| Happyhourcomics | $40.00 | $40.00 | 9/28/2009 12:25:54 PM |
| Auditman | $50.00 | $50.00 | 9/28/2009 12:51:31 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/28/2009 12:56:30 PM |
| tender-deal | $25.00 | $25.00 | 9/28/2009 1:23:30 PM |
| Uwantfunds | $25.00 | $25.00 | 9/28/2009 2:17:24 PM |
| Rip128 | $25.00 | $25.00 | 9/28/2009 4:00:34 PM |
| Engineer44 | $25.00 | $25.00 | 9/28/2009 4:01:07 PM |
| texrob20 | $25.00 | $25.00 | 9/25/2009 9:32:55 AM |
| admirable-credit | $25.00 | $25.00 | 9/25/2009 4:07:37 PM |
| momentous-coin | $50.00 | $50.00 | 9/25/2009 11:13:08 PM |
| loanman2007 | $50.00 | $50.00 | 9/26/2009 9:45:52 AM |
| flshdaskll | $25.00 | $25.00 | 9/26/2009 3:43:15 PM |
| mclean_loaner | $50.00 | $50.00 | 9/26/2009 6:02:26 PM |
| djmjkelso | $25.00 | $25.00 | 9/27/2009 12:30:17 AM |
| dhallii | $65.00 | $65.00 | 9/27/2009 7:25:04 AM |
| usedtoborrow | $1,000.00 | $1,000.00 | 9/28/2009 7:25:57 AM |
| Champion_Lending | $25.00 | $25.00 | 9/27/2009 5:27:27 PM |
| mcabery | $200.00 | $200.00 | 9/28/2009 10:19:46 AM |
| BlessedEveryDay | $25.00 | $25.00 | 9/28/2009 5:40:10 AM |
| soular21804 | $25.00 | $25.00 | 9/28/2009 3:30:20 AM |
| myduck | $100.00 | $100.00 | 9/28/2009 9:36:06 AM |
| Sam40 | $25.00 | $25.00 | 9/28/2009 10:09:29 AM |
| generous-deal6 | $50.00 | $50.00 | 9/28/2009 10:40:21 AM |
| lender73w | $25.00 | $25.00 | 9/28/2009 10:44:48 AM |
| barflyer | $25.00 | $25.00 | 9/28/2009 11:43:34 AM |
| credit-coach118 | $25.00 | $25.00 | 9/28/2009 12:41:40 PM |
| Mirions | $30.69 | $30.69 | 9/28/2009 2:31:52 PM |
| diverse-transparency | $25.00 | $25.00 | 9/28/2009 2:49:57 PM |
| Savings_EQ_Dignity | $50.00 | $50.00 | 9/28/2009 3:45:15 PM |
| 53 bids
|
Borrower Payment Dependent Notes Series
422862
This series of Notes was issued and sold upon the funding of the borrower loan #38701, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction start date:
| Sep-04-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-18-2009 |
|
|
Starting lender yield:
| 27.15% |
Starting borrower rate/APR:
| 28.15% / 30.50% |
Starting monthly payment:
| $145.06 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $141.67 |
| |
|
Auction yield range:
| 11.18% - 27.15% |
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:
| 8 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 680-700 (Aug-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 15y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,245 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 61% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| Sigrid |
Borrower's state:
| Maryland |
Borrower's group:
| 1st and BEST for Loans |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $17,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Sep-2007)
|
|
Principal balance:
| $7,610.25 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Consolidating Credit Cards
Purpose of loan:
This loan will be used to consolidate higher interest credit cards. ?We will use the net yield to start an aggressive college fund (as we have four kids)?
My financial situation:
This will be my second loan from Prosper and all my lenders will attest to my excellent payment history.? We are financially stable with great jobs in strong companies in growing sectors of the economy?(together we make over $160,000 gross) but would really like to consolidate our high yield cards and start aggresively putting money towards a college fund. We are good candidates for a loan as we are also rebuilding our financial lives from slow growth entrepreneurial ventures.
I am an RN who has worked in labor and delivery in several hospital settings and now I work in a lucrative fertility practice.
Monthly net income: $ 10,500
Monthly expenses: $?
Housing: $ 2000
Insurance: $ 85
Car expenses: $?401
Utilities: $ 450
Phone, cable, internet: $ 200
Food, entertainment: $ 550
Clothing, household expenses $ 200
Credit cards and other loans: $?950
Other expenses: $ 1700
Thank you for bidding.
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:
With a household of 2 adults and four kids, how can your household, food and clothing expenses only total $750? - mjerryfirst
A:
We shop at discount stores (no frills) for food.
We also shop at very discount stores for clothes (GoodWill and Thrift)
(Sep-08-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| secobarbital | $25.00 | $25.00 | 9/4/2009 3:24:01 PM |
| thedreamer | $50.00 | $50.00 | 9/4/2009 3:25:30 PM |
| GMPK_TLAS | $25.00 | $25.00 | 9/4/2009 3:27:10 PM |
| lagnisiruk | $25.00 | $25.00 | 9/4/2009 3:27:32 PM |
| personal-lender | $25.00 | $25.00 | 9/4/2009 4:23:32 PM |
| Halos2002 | $50.00 | $50.00 | 9/4/2009 4:21:36 PM |
| Sateesh | $40.77 | $40.77 | 9/7/2009 3:45:31 PM |
| goofy15975 | $25.00 | $25.00 | 9/7/2009 4:35:38 PM |
| noble-revenue | $25.00 | $25.00 | 9/8/2009 10:07:48 AM |
| dinero-mason | $29.51 | $29.51 | 9/8/2009 1:33:29 PM |
| affluence-tycoon | $50.00 | $50.00 | 9/8/2009 5:29:31 PM |
| seisen | $47.24 | $47.24 | 9/8/2009 8:38:32 PM |
| YQQ | $25.00 | $25.00 | 9/9/2009 8:16:14 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/9/2009 6:05:25 PM |
| MicroPod | $25.00 | $19.68 | 9/10/2009 3:29:33 PM |
| IPG1 | $25.00 | $25.00 | 9/11/2009 6:30:30 AM |
| golffish2 | $100.00 | $100.00 | 9/14/2009 10:35:03 AM |
| credit-maestro | $50.00 | $50.00 | 9/14/2009 5:27:41 PM |
| Credit2Prosper | $25.00 | $25.00 | 9/14/2009 7:24:25 PM |
| realinvestora | $25.00 | $25.00 | 9/15/2009 7:07:03 PM |
| BDS | $60.00 | $60.00 | 9/16/2009 1:09:29 PM |
| VitaminFunk | $25.00 | $25.00 | 9/16/2009 4:52:25 PM |
| COtheBeast | $25.00 | $25.00 | 9/16/2009 7:34:15 PM |
| aspire2grow | $53.79 | $53.79 | 9/17/2009 8:49:54 AM |
| bigdees | $50.00 | $50.00 | 9/17/2009 3:28:29 PM |
| Pressure_Drop | $200.00 | $200.00 | 9/17/2009 11:32:36 AM |
| CK1 | $25.00 | $25.00 | 9/17/2009 7:55:22 PM |
| johnrx | $50.00 | $50.00 | 9/17/2009 11:35:54 PM |
| Leshan | $85.00 | $85.00 | 9/18/2009 8:45:46 AM |
| credit-coach118 | $25.00 | $25.00 | 9/18/2009 8:52:59 AM |
| moola-berserker | $25.92 | $25.92 | 9/18/2009 9:35:37 AM |
| Bill88 | $25.00 | $25.00 | 9/18/2009 9:42:35 AM |
| ddimports | $25.00 | $25.00 | 9/18/2009 9:54:02 AM |
| the-profit-oracle | $25.00 | $25.00 | 9/18/2009 10:14:49 AM |
| boodo | $43.71 | $43.71 | 9/18/2009 11:39:26 AM |
| admirable-credit | $25.00 | $25.00 | 9/18/2009 11:41:51 AM |
| stevekc1 | $25.00 | $25.00 | 9/18/2009 11:53:40 AM |
| shiny-gold5 | $140.00 | $140.00 | 9/18/2009 12:37:49 PM |
| credit-missile | $50.00 | $50.00 | 9/18/2009 1:53:56 PM |
| radiant-value | $25.00 | $25.00 | 9/18/2009 1:19:35 PM |
| delivery | $25.00 | $25.00 | 9/4/2009 3:25:33 PM |
| CarDealer3070 | $30.00 | $30.00 | 9/4/2009 3:27:36 PM |
| SNH | $25.00 | $25.00 | 9/4/2009 4:26:49 PM |
| Kaj | $25.00 | $25.00 | 9/5/2009 4:25:24 PM |
| festivecpl | $75.00 | $75.00 | 9/4/2009 8:32:10 PM |
| anton | $25.00 | $25.00 | 9/5/2009 9:38:42 PM |
| FeedTheMachine | $25.00 | $25.00 | 9/6/2009 9:25:25 AM |
| slcchad | $25.00 | $25.00 | 9/9/2009 8:00:10 AM |
| testobsessed | $25.00 | $25.00 | 9/9/2009 5:57:22 PM |
| firewomin | $25.00 | $25.00 | 9/9/2009 6:52:20 PM |
| micsupra | $25.00 | $25.00 | 9/10/2009 4:18:42 PM |
| wwwUniversal | $25.00 | $25.00 | 9/11/2009 6:50:16 PM |
| LindaRicci | $35.00 | $35.00 | 9/13/2009 9:11:14 AM |
| deepblue34 | $30.00 | $30.00 | 9/14/2009 7:02:31 PM |
| JRockdown | $25.00 | $25.00 | 9/14/2009 5:49:32 PM |
| callmebryan | $25.00 | $25.00 | 9/14/2009 7:56:54 PM |
| ZOOOM | $50.00 | $50.00 | 9/16/2009 4:56:43 PM |
| silvercertificate | $25.00 | $25.00 | 9/17/2009 7:29:48 AM |
| best-generosity-financier | $25.00 | $25.00 | 9/17/2009 4:52:35 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 9/17/2009 7:00:41 PM |
| credit-missile | $50.00 | $50.00 | 9/17/2009 8:51:19 PM |
| mikeyp411 | $25.00 | $25.00 | 9/17/2009 8:35:01 PM |
| redtilapia | $25.00 | $25.00 | 9/18/2009 1:42:17 AM |
| propertytransformer | $50.00 | $50.00 | 9/18/2009 4:02:25 AM |
| Bobusa | $25.00 | $25.00 | 9/18/2009 5:42:24 AM |
| EEasyMoney | $25.00 | $25.00 | 9/18/2009 7:26:08 AM |
| loan-eagle9 | $25.00 | $25.00 | 9/18/2009 7:21:19 AM |
| maga | $500.00 | $500.00 | 9/18/2009 9:06:17 AM |
| sparkybrneyes | $25.00 | $25.00 | 9/18/2009 10:18:10 AM |
| Luv2Bless | $50.00 | $50.00 | 9/18/2009 10:17:16 AM |
| LibbyZ | $44.83 | $44.83 | 9/18/2009 11:09:55 AM |
| FASTIZIO_P | $33.33 | $33.33 | 9/18/2009 10:53:42 AM |
| Skeptical-one | $100.00 | $100.00 | 9/18/2009 11:24:33 AM |
| Flshedman | $50.00 | $50.00 | 9/18/2009 12:11:21 PM |
| porwestco | $25.00 | $25.00 | 9/18/2009 12:00:52 PM |
| 5kids5 | $25.00 | $25.00 | 9/18/2009 12:12:35 PM |
| LPS | $41.22 | $41.22 | 9/18/2009 12:51:00 PM |
| Cromag | $25.00 | $25.00 | 9/18/2009 12:53:10 PM |
| Engineer44 | $40.00 | $40.00 | 9/18/2009 3:11:13 PM |
| 79 bids
|
Borrower Payment Dependent Notes Series
422926
This series of Notes was issued and sold upon the funding of the borrower loan #38710, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction start date:
| Sep-04-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-18-2009 |
|
|
Starting lender yield:
| 28.23% |
Starting borrower rate/APR:
| 29.23% / 31.60% |
Starting monthly payment:
| $84.06 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $80.95 |
| |
|
Auction yield range:
| 11.18% - 28.23% |
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:
| 8 |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 660-680 (Sep-2009) |
Current / open credit lines:
| 16
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 44 | Length of status: | 1y 10m |
|
Amount delinquent:
| $196 |
Revolving credit balance:
| $16,433 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 58% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| perk12 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 3 ( 23% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 10
( 77% )
| 680-700
(Jun-2008)
|
|
Principal balance:
| $3,487.53 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Paying off credit card debt
Purpose of loan:
This loan will be used to pay off my corporate American express credit card debt.
My financial situation:
I am a good candidate for this loan because one of my primary life goals is to eliminate my past major credit card debt. I have been on a debt management plan for the past 2.5 years and am halfway through the program. I have made on time consistent payments through the program the entire time. I no longer have any credit cards other than my corporate Amex and have had to use that card for personal expenses. The balance on this card is currently due in full and I don't have any additional income to pay it off. In addition to my primary job, I am working a 2nd job on the weekends for some extra income.?
Monthly net income: $3800.00
Monthly expenses: $
??Housing: &1330.00
??Insurance: $0
??Car expenses: $
0
??Utilities: $60.00
??Phone, cable, internet: $75.00
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $1700
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| secobarbital | $25.00 | $25.00 | 9/4/2009 10:42:54 AM |
| Halos2002 | $50.00 | $50.00 | 9/4/2009 10:54:16 AM |
| personal-lender | $25.00 | $25.00 | 9/4/2009 10:50:24 AM |
| lagnisiruk | $25.00 | $25.00 | 9/4/2009 11:04:30 AM |
| GMPK_TLAS | $25.00 | $25.00 | 9/4/2009 10:59:10 AM |
| CarDealer3070 | $30.00 | $30.00 | 9/4/2009 11:04:38 AM |
| Sateesh | $36.57 | $36.57 | 9/5/2009 4:25:40 PM |
| goofy15975 | $25.00 | $25.00 | 9/6/2009 12:06:03 PM |
| dinero-mason | $38.99 | $38.99 | 9/7/2009 7:56:29 AM |
| honorable-yield | $25.00 | $25.00 | 9/7/2009 4:21:32 PM |
| Artist_Blue | $25.00 | $25.00 | 9/7/2009 4:24:05 PM |
| MicroPod | $25.00 | $25.00 | 9/7/2009 7:41:12 PM |
| DramaticGopher | $25.00 | $25.00 | 9/8/2009 10:01:25 AM |
| testobsessed | $26.59 | $26.59 | 9/8/2009 5:44:32 PM |
| wwwUniversal | $25.00 | $25.00 | 9/9/2009 5:09:17 PM |
| firewomin | $25.00 | $25.00 | 9/9/2009 6:52:13 PM |
| JRockdown | $25.00 | $25.00 | 9/9/2009 8:27:02 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/10/2009 2:16:21 PM |
| CPAMAN | $25.00 | $13.66 | 9/11/2009 1:01:59 PM |
| Stahl | $25.00 | $25.00 | 9/14/2009 7:24:26 AM |
| Bobafet | $25.00 | $25.00 | 9/14/2009 4:50:45 PM |
| CarlosCespedes | $25.00 | $25.00 | 9/16/2009 4:38:04 PM |
| buckskin1234 | $25.00 | $25.00 | 9/16/2009 9:34:04 PM |
| wealth-comet694 | $25.00 | $25.00 | 9/17/2009 6:29:28 AM |
| mbcjk | $25.00 | $25.00 | 9/17/2009 5:26:46 AM |
| best-generosity-financier | $25.00 | $25.00 | 9/17/2009 4:34:15 PM |
| admirable-credit | $25.00 | $25.00 | 9/17/2009 2:41:15 PM |
| Matt_Colsia | $116.00 | $116.00 | 9/18/2009 5:22:06 AM |
| yu-rik | $50.00 | $50.00 | 9/18/2009 6:04:39 AM |
| efficient-bid2 | $25.00 | $25.00 | 9/18/2009 6:29:40 AM |
| bitano | $40.17 | $40.17 | 9/18/2009 6:33:50 AM |
| EEasyMoney | $25.00 | $25.00 | 9/18/2009 7:24:28 AM |
| Leshan | $85.00 | $85.00 | 9/18/2009 8:42:27 AM |
| bobnewt | $50.00 | $50.00 | 9/18/2009 8:57:56 AM |
| Engineer44 | $35.00 | $35.00 | 9/18/2009 9:31:54 AM |
| thedreamer | $50.00 | $50.00 | 9/4/2009 10:45:13 AM |
| delivery | $25.00 | $25.00 | 9/4/2009 10:45:34 AM |
| SNH | $25.00 | $25.00 | 9/4/2009 11:01:32 AM |
| Kaj | $25.00 | $25.00 | 9/4/2009 11:33:03 AM |
| anton | $25.00 | $25.00 | 9/4/2009 3:47:36 PM |
| FeedTheMachine | $77.14 | $77.14 | 9/4/2009 4:26:44 PM |
| YQQ | $25.00 | $25.00 | 9/7/2009 4:25:08 PM |
| noble-revenue | $25.00 | $25.00 | 9/8/2009 10:07:35 AM |
| seisen | $50.00 | $50.00 | 9/8/2009 11:33:45 AM |
| affluence-tycoon | $50.00 | $50.00 | 9/8/2009 4:50:29 PM |
| randsenterprise | $25.00 | $25.00 | 9/8/2009 5:05:34 PM |
| slcchad | $25.00 | $25.00 | 9/9/2009 8:00:06 AM |
| IPG1 | $25.00 | $25.00 | 9/9/2009 11:46:06 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/9/2009 11:54:38 AM |
| kmavm | $25.00 | $25.00 | 9/9/2009 5:37:15 PM |
| AF_Trust | $25.00 | $25.00 | 9/10/2009 4:47:27 PM |
| asset-numero-uno | $27.26 | $27.26 | 9/10/2009 7:20:12 PM |
| roadster199 | $25.00 | $25.00 | 9/11/2009 12:09:51 PM |
| mathprof | $25.00 | $25.00 | 9/11/2009 8:25:22 AM |
| F16Edwards | $25.00 | $25.00 | 9/12/2009 12:00:47 AM |
| enriched-truth | $25.88 | $25.88 | 9/14/2009 11:58:17 PM |
| money-expert | $25.00 | $25.00 | 9/17/2009 9:53:59 AM |
| kindness-jedi | $50.00 | $50.00 | 9/17/2009 3:34:01 PM |
| Bobusa | $25.00 | $25.00 | 9/18/2009 5:33:22 AM |
| PotBellyPete | $25.00 | $25.00 | 9/18/2009 6:42:53 AM |
| asset-numero-uno | $72.74 | $72.74 | 9/18/2009 9:20:45 AM |
| 61 bids
|
Borrower Payment Dependent Notes Series
423356
This series of Notes was issued and sold upon the funding of the borrower loan #38759, 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-08-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Sep-22-2009 |
|
|
Starting lender yield:
| 9.43% |
Starting borrower rate/APR:
| 10.43% / 10.78% |
Starting monthly payment:
| $32.47 |
|
Final lender yield:
| 6.90% |
Final borrower rate/APR:
| 7.90% / 11.42% |
Final monthly payment:
| $31.29 |
| |
|
Auction yield range:
| 3.18% - 9.43% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.40% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jun-1996 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 800-820 (Sep-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| just-contract |
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
Bu
Purpose of loan:
This loan will be used to?
Build container gardens in my back yard. ???? ???? ???? ????
My financial situation:
I
am a good candidate for this loan because?I think Prosper is the
neatest business idea!? My husband and I are always looking for ways to
improve our financial situation.? We ALWAYS pay our bills on time.? We
have multiple sources of income.? I have wanted to build container
gardens since we bought our home.
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:
Why is your debt to income ratio not calculated? - senior1
A:
I'm not sure! This is my first listing. But I do know that I have no debt other than our car payments and our mortgage. I have credit cards, but no balance is on them. I'm mainly doing this loan to get my foot in the door. I love this idea and if it's like Ebay, the more good history you have, the more trusted you are. Please let me know if you have any other questions.
Thanks!!
(Sep-08-2009)
Q:
I just wanted to say welcome to Prosper. If you could, would you mind telling us your monthly net income and expenses? Just a formality really. My bid is in and I wish you the best of luck and I hope you enjoy your garden once completed. - BAEVentures
A:
Hello,
Thanks so much for the nice welcome!
Beings that I'm married, of course, there are more bills and definitely more income. But my income and expenses are easy to compute. I average $1,667 per month and I am responsible for daycare expenses and gas for my car. My daycare is $500 per month, and gas runs me about $60 per month. The rest we use for our fun money and occasional groceries.
Thanks for the bid!!
(Sep-09-2009)
Q:
Oh I meant to mention, the reason your DTI is not calculated is that Prosper only calculates DTI for fulltime employees, not self-employed, retired, or part time! - BAEVentures
A:
Thanks for letting me know! I have so much to learn yet....
(Sep-09-2009)
Q:
Explain the public record please - jpblan11
A:
My husband and I filed bankruptcy in 2001. It has been discharged since 11/01. There have been no 30 day lates on any revolving lines of credit, mortgage, or household utilities since.
(Sep-19-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| BAEVentures | $25.00 | $25.00 | 9/8/2009 8:10:24 PM |
| marwadi-62 | $100.00 | $100.00 | 9/17/2009 6:50:31 PM |
| NoNameLender | $50.00 | $50.00 | 9/18/2009 3:19:44 PM |
| JCPlending | $25.00 | $25.00 | 9/19/2009 4:58:16 PM |
| Firescreek | $25.00 | $25.00 | 9/21/2009 7:44:55 AM |
| plbquic | $25.00 | $25.00 | 9/21/2009 2:05:35 PM |
| dammage | $25.00 | $25.00 | 9/21/2009 7:51:40 PM |
| packrs1 | $25.00 | $25.00 | 9/21/2009 8:12:18 PM |
| mobius_titan | $25.00 | $25.00 | 9/22/2009 5:40:02 AM |
| suzanny | $25.00 | $25.00 | 9/22/2009 7:36:03 AM |
| HappyToLoan | $25.00 | $25.00 | 9/22/2009 8:04:09 AM |
| octoberfresh | $25.00 | $25.00 | 9/22/2009 7:17:06 AM |
| little_shark_J | $25.00 | $25.00 | 9/22/2009 9:40:49 AM |
| JCPlending | $25.00 | $25.00 | 9/9/2009 11:29:48 AM |
| listenfirst | $250.00 | $250.00 | 9/19/2009 11:57:14 AM |
| gjm6d | $55.00 | $55.00 | 9/20/2009 8:19:00 AM |
| blot44 | $50.00 | $50.00 | 9/20/2009 7:29:40 PM |
| historyman | $25.00 | $25.00 | 9/21/2009 6:13:43 PM |
| gothampark | $25.00 | $25.00 | 9/21/2009 5:41:14 PM |
| oldman1947 | $25.00 | $25.00 | 9/22/2009 4:42:39 AM |
| JBF_Investments | $25.00 | $25.00 | 9/21/2009 7:49:47 PM |
| usd1027 | $25.00 | $20.00 | 9/22/2009 8:31:30 AM |
| Memphis-King | $75.00 | $75.00 | 9/22/2009 10:09:28 AM |
| 23 bids
|
Borrower Payment Dependent Notes Series
423602
This series of Notes was issued and sold upon the funding of the borrower loan #38700, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction start date:
| Sep-10-2009 |
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction end date:
| Sep-24-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.44% |
Starting monthly payment:
| $54.28 |
|
Final lender yield:
| 22.22% |
Final borrower rate/APR:
| 23.22% / 26.42% |
Final monthly payment:
| $46.59 |
| |
|
Auction yield range:
| 17.18% - 34.00% |
Estimated loss impact:
| 19.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.95% | | |
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:
| 4 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 640-660 (Aug-2009) |
Current / open credit lines:
| 9
/
2 | Employment status: | Full-time employee |
|
Now delinquent:
| 2 |
Total credit lines:
| 21 | Length of status: | 7y 10m |
|
Amount delinquent:
| $587 |
Revolving credit balance:
| $0 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 12 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| UnworthyofHisGrace |
Borrower's state:
| Illinois |
Borrower's group:
| Have Money - Will Bid |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 23 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $1,585.00 | < mo. late:
| 0
( 0% )
| 620-640
(Jul-2009)
560-580
(Apr-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
2nd Loan Never Late :) Autism Bills
Purpose of loan:I am wanting to pay off a card with a balance of $1534, I am taking some out of savings & need the rest to pay it off.? Most of it was a cash advance so the rate is 39% right now.?
My financial situation:I found myself in debt for various different reasons, mainly medical bills.? Our son is autistic, & it took us quite some time to figure that out.? We put several of our med. bills on ccs. Our son is great now, got him on a gluten-casein free diet, & he is progressing? very well, so no new bills, just trying to get rid of all of the old ones.? This will be my 2nd Prosper loan, which I was never late on the first one, & actually paid it off early! I've taken a 2nd job, so we can get out of debt earlier.? We were delinquent on our mortgage, but it is caught up now, this does not reflect on credit report yet.? We are working hard to pay everything we owe off, & have started saving, so this does not happen again.? Just would like a little help to get over this hump. Monthly net income: $? I now bring home $1740.00 a month.? I am married, and my husband brings home $2300 a month, he takes care of the majority of our expenses.? Monthly expenses: $ ??Housing: $
404.00? ??Insurance: $ 230.00??Car expenses: $ 360.00??Utilities: $ 350.00??Phone, cable, internet: $
120.00??Food, entertainment: $ 550.00 (gluten-casein free food in pricey!)??Clothing, household expenses $
50.00??Credit cards and other loans: $
480.00??Other expenses: $
Childcare~$400.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| admirable-credit | $25.00 | $25.00 | 9/23/2009 4:33:46 PM |
| bst | $100.00 | $100.00 | 9/23/2009 10:09:27 PM |
| bst | $70.00 | $70.00 | 9/23/2009 10:06:16 PM |
| bst | $50.97 | $50.97 | 9/24/2009 9:54:37 AM |
| ladyorayne | $100.00 | $100.00 | 9/24/2009 11:15:59 AM |
| efficient-bid2 | $25.00 | $25.00 | 9/24/2009 3:33:08 PM |
| momentous-transaction8 | $100.00 | $100.00 | 9/24/2009 3:53:56 PM |
| boodo | $242.30 | $242.30 | 9/24/2009 3:10:20 PM |
| zztopdog | $25.00 | $25.00 | 9/24/2009 4:13:15 PM |
| wyogirllender | $25.00 | $25.00 | 9/24/2009 4:02:31 PM |
| SnE | $25.00 | $25.00 | 9/24/2009 4:14:27 PM |
| mclean_loaner | $50.00 | $50.00 | 9/23/2009 9:04:35 PM |
| mobius_titan | $25.00 | $25.00 | 9/24/2009 4:59:09 AM |
| bst | $50.00 | $50.00 | 9/23/2009 10:11:16 PM |
| Bobusa | $25.00 | $25.00 | 9/24/2009 4:53:13 AM |
| Wachocia | $25.00 | $25.00 | 9/24/2009 3:21:21 PM |
| Bill88 | $30.00 | $30.00 | 9/24/2009 4:16:03 PM |
| Engineer44 | $25.00 | $25.00 | 9/24/2009 4:17:21 PM |
| boodo | $647.16 | $55.00 | 9/24/2009 3:09:27 PM |
| nurat | $26.73 | $26.73 | 9/24/2009 2:57:17 PM |
| gm93001 | $50.00 | $50.00 | 9/24/2009 3:43:46 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/24/2009 4:17:14 PM |
| kinetic-social | $25.00 | $25.00 | 9/24/2009 4:04:58 PM |
| 23 bids
|
Borrower Payment Dependent Notes Series
423606
This series of Notes was issued and sold upon the funding of the borrower loan #38704, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction start date:
| Sep-11-2009 |
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction end date:
| Sep-25-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 14.18% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
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-2002 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 600-620 (Aug-2009) |
Current / open credit lines:
| 15
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 7y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $16,970 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 69% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| ecmguy |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 21 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 620-640
(Jul-2009)
620-640
(Apr-2009)
540-560
(Dec-2007)
660-680
(Oct-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Laptop purchase
Purpose of loan:
This loan will be used to purchase a new laptop.
My financial situation:
I am a good candidate for this loan because I have a solid track record in paying my debt obligations on time. I am a business professional working as an Analyst for a firm in Houston, Texas. I have been gainfully employed with the same company since 2002 and am thankful that job stability is not an issue in these uncertain times. In this tight credit market I have not been able to qualify for a traditional personal loan. My credit score is much lower than it would otherwise be if not for a difficult decision to file for bankruptcy 8 years ago. I ventured out on my own to start a business funded with personal capital and once things turned south made the tough choice towards Chapter 7 filing. Since then my credit history has been impeccable and I have the financial ability to repay the loan I've requested.
Thanks in advance for your consideration.
Monthly net income: $ 4,150
Monthly expenses: $ 3,160
??Housing: $ 920
??Insurance: $ 90
??Car expenses: $
75
??Utilities: $
100
??Phone, cable, internet: $
200
??Food, entertainment: $
500
??Clothing, household expenses $
100
??Credit cards and other loans: $ 1,025
??Other expenses: $
150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 9/11/2009 4:02:50 PM |
| noble-revenue | $25.00 | $25.00 | 9/18/2009 2:46:42 PM |
| Kqwik | $28.00 | $28.00 | 9/22/2009 2:04:40 PM |
| Onlyhappycustomers | $25.00 | $25.00 | 9/24/2009 7:28:52 AM |
| unk1911 | $25.00 | $25.00 | 9/24/2009 4:33:50 PM |
| feedpaulyfaster | $25.00 | $25.00 | 9/24/2009 4:35:01 PM |
| boodo | $380.00 | $380.00 | 9/25/2009 8:55:31 AM |
| tender-deal | $50.00 | $50.00 | 9/25/2009 9:22:29 AM |
| mrbill5548 | $50.00 | $50.00 | 9/25/2009 12:10:45 PM |
| Evolver | $25.00 | $25.00 | 9/25/2009 12:10:54 PM |
| relentless-gain3 | $25.00 | $25.00 | 9/25/2009 10:57:40 AM |
| boodo | $223.75 | $223.75 | 9/25/2009 1:41:44 PM |
| eboomer2611 | $35.83 | $35.83 | 9/25/2009 2:12:46 PM |
| ProModelA | $34.32 | $34.32 | 9/25/2009 12:11:43 PM |
| dorypro | $25.00 | $25.00 | 9/25/2009 12:17:22 PM |
| classiccitizen | $25.00 | $25.00 | 9/25/2009 2:57:16 PM |
| Bobusa | $25.00 | $25.00 | 9/25/2009 1:40:46 PM |
| JayIsABear | $50.00 | $50.00 | 9/25/2009 2:20:17 PM |
| libraryfrenzy | $25.00 | $25.00 | 9/25/2009 2:47:49 PM |
| CaribbeanBanker | $27.42 | $27.42 | 9/25/2009 2:53:05 PM |
| Engineer44 | $40.00 | $40.00 | 9/25/2009 3:58:50 PM |
| JDWCARD | $35.00 | $35.00 | 9/25/2009 3:45:16 PM |
| oreyedoc | $50.00 | $50.00 | 9/25/2009 3:52:27 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/25/2009 3:59:58 PM |
| Jasmel | $100.00 | $93.68 | 9/11/2009 8:34:10 PM |
| festivecpl | $25.00 | $25.00 | 9/15/2009 7:28:43 PM |
| fillholdingsllc | $25.00 | $25.00 | 9/20/2009 4:45:28 PM |
| mrxtravis | $25.00 | $25.00 | 9/22/2009 7:16:17 AM |
| bronzmajom | $25.00 | $25.00 | 9/24/2009 10:27:19 PM |
| Hobson | $32.00 | $32.00 | 9/25/2009 7:17:18 AM |
| Leshan | $50.00 | $50.00 | 9/25/2009 9:08:20 AM |
| Trentsteel_98 | $25.00 | $25.00 | 9/25/2009 12:47:44 PM |
| fatboy888 | $25.00 | $25.00 | 9/25/2009 1:03:34 PM |
| JayIsABear | $25.00 | $25.00 | 9/25/2009 2:22:32 PM |
| EngineersAlliance | $45.00 | $45.00 | 9/25/2009 12:25:00 PM |
| kinetic-social | $25.00 | $25.00 | 9/25/2009 3:09:57 PM |
| Gobsek | $25.00 | $25.00 | 9/25/2009 1:24:44 PM |
| Isotope | $25.00 | $25.00 | 9/25/2009 3:55:35 PM |
| cybercop45 | $50.00 | $50.00 | 9/25/2009 2:04:32 PM |
| credit-coach118 | $25.00 | $25.00 | 9/25/2009 2:09:24 PM |
| Rob717171 | $100.00 | $100.00 | 9/25/2009 2:39:12 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/25/2009 2:14:13 PM |
| buffalobills | $25.00 | $25.00 | 9/25/2009 3:52:16 PM |
| 43 bids
|
Borrower Payment Dependent Notes Series
423620
This series of Notes was issued and sold upon the funding of the borrower loan #38691, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,900.00 |
Prosper Rating:
| C |
Auction start date:
| Sep-09-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Sep-23-2009 |
|
|
Starting lender yield:
| 23.90% |
Starting borrower rate/APR:
| 24.90% / 27.20% |
Starting monthly payment:
| $115.15 |
|
Final lender yield:
| 23.80% |
Final borrower rate/APR:
| 24.80% / 27.10% |
Final monthly payment:
| $115.00 |
| |
|
Auction yield range:
| 8.18% - 23.90% |
Estimated loss impact:
| 7.07% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.73% | | |
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-1995 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 19
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 57 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $110,854 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 100% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| pcgenius |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
+++On Track, This will help.
Purpose of loan:
I have organized my credit cards and begun paying them off completely. I have paid off 2 so far in the last 3 months. I am looking for a loan to wrap up?two?high interest loans?and just speed things along.?I intend to repay this loan within 1 year.
My financial situation:
I am a good candidate for this loan because I have always paid all of my debts. I have a stable home and job, and my income has increased rapidly over the last 10 years. I have been very fortunate.?I am a computer programmer (15 Years) and US Army Veteran and my wife is a public school teacher (8 years).
I am currently paying off $600-800 a month in debt. This has been a slower process than I thought.
I currently owe 53,000 in revolving debt in 13 accounts. I do not know
why prosper lists the amount above. My utilization is fairly accurate.
I haven't used any of the accounts in 6-12months, but the accounts I've
been paying extra on are closed so it doesn't reflect in the utilization.
I
have this prosper loan setup for automatic payments, prosper already has a
voided check from my checking account. I've had my checking account for
15 years.
ZERO Delinquencies
ZERO Credit Inquiries
ZERO Public Records
Equals established reliability.
Monthly net income: $ 6453 (me) PLUS?3200(Wife)
Monthly expenses: $?4349 (This would be my share of expenses, down to the groceries)
??Housing: $ 1100
??Insurance: $100
??Car expenses: $ 982
??Utilities: $ 250
??Phone, cable, internet: $ 160
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1431
??Other expenses: $ 16
Please help stop the banks from taking 29% interest from me just because they changed the rules to make more money.
A small $25+ investment on your part will go a long way and earn you a decent return.
Thank you for taking the time to review my application.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| bid-wonder | $25.00 | $25.00 | 9/9/2009 4:33:43 PM |
| M_V | $43.51 | $43.51 | 9/9/2009 5:32:22 PM |
| Iwantahelp | $25.00 | $25.00 | 9/11/2009 12:12:25 PM |
| Ven58 | $25.00 | $25.00 | 9/22/2009 10:27:40 AM |
| faithfulartist | $200.00 | $200.00 | 9/22/2009 1:25:26 PM |
| building_community | $50.00 | $50.00 | 9/23/2009 7:08:29 AM |
| mckhbnpc | $38.56 | $38.56 | 9/23/2009 8:18:25 AM |
| etraboulay | $50.00 | $50.00 | 9/23/2009 11:01:12 AM |
| MrOglesby | $25.00 | $25.00 | 9/23/2009 11:31:30 AM |
| Lender12 | $1,720.76 | $417.10 | 9/23/2009 9:19:22 AM |
| billybragg | $25.00 | $25.00 | 9/23/2009 12:29:45 PM |
| whitewolf7 | $25.00 | $25.00 | 9/23/2009 12:47:39 PM |
| bondhedger | $25.00 | $25.00 | 9/23/2009 1:09:00 PM |
| Leshan | $50.00 | $50.00 | 9/23/2009 11:17:51 AM |
| RenovatioCapital | $25.00 | $25.00 | 9/23/2009 10:05:48 AM |
| gm93001 | $200.00 | $200.00 | 9/23/2009 11:28:22 AM |
| Earn_money | $25.00 | $25.00 | 9/23/2009 2:19:15 PM |
| Ven58 | $25.00 | $25.00 | 9/23/2009 12:04:58 PM |
| maga | $100.00 | $100.00 | 9/23/2009 12:06:16 PM |
| DMKAssetManagement | $25.00 | $25.00 | 9/23/2009 2:42:43 PM |
| MNMAN21 | $50.00 | $50.00 | 9/23/2009 12:16:23 PM |
| mpatrick | $100.00 | $100.00 | 9/23/2009 12:39:16 PM |
| Credit4Talent | $30.00 | $30.00 | 9/23/2009 12:57:49 PM |
| CoolBreezeWarlord | $25.00 | $25.00 | 9/23/2009 4:11:02 PM |
| steveinflorida | $25.00 | $25.00 | 9/23/2009 1:22:14 PM |
| Engineer44 | $40.00 | $40.00 | 9/23/2009 4:19:30 PM |
| Bill88 | $40.00 | $40.00 | 9/23/2009 4:10:36 PM |
| Bidders | $100.00 | $100.00 | 9/23/2009 3:40:05 PM |
| myduck | $75.00 | $75.00 | 9/23/2009 3:47:34 PM |
| MNMAN21 | $50.00 | $50.00 | 9/23/2009 4:18:00 PM |
| Madron | $50.00 | $50.00 | 9/10/2009 3:17:49 AM |
| Rockymtnhi | $28.41 | $28.41 | 9/11/2009 8:51:05 PM |
| blackstar | $25.00 | $25.00 | 9/14/2009 3:16:29 PM |
| robot777 | $40.00 | $40.00 | 9/16/2009 9:30:24 PM |
| tnjohnso | $25.00 | $25.00 | 9/18/2009 4:03:29 PM |
| RadCad1 | $50.00 | $50.00 | 9/21/2009 1:44:02 PM |
| admirable-credit | $25.00 | $25.00 | 9/22/2009 11:07:49 AM |
| credit-coach118 | $25.00 | $25.00 | 9/22/2009 11:47:07 AM |
| eyal0 | $69.83 | $69.83 | 9/22/2009 6:32:14 PM |
| Ven58 | $25.00 | $25.00 | 9/22/2009 5:04:35 PM |
| LibbyZ | $50.00 | $50.00 | 9/22/2009 5:04:05 PM |
| donlenboy | $25.00 | $25.00 | 9/23/2009 11:09:00 AM |
| Havnfun | $25.00 | $25.00 | 9/23/2009 1:41:42 PM |
| 101010 | $100.00 | $100.00 | 9/23/2009 1:52:00 PM |
| mercuriant | $25.00 | $25.00 | 9/23/2009 11:57:13 AM |
| eboomer2611 | $25.00 | $25.00 | 9/23/2009 2:19:07 PM |
| ima007 | $27.59 | $27.59 | 9/23/2009 12:03:38 PM |
| wwwUniversal | $25.00 | $25.00 | 9/23/2009 2:52:00 PM |
| VTXRider | $25.00 | $25.00 | 9/23/2009 12:26:42 PM |
| schmegs | $25.00 | $25.00 | 9/23/2009 12:31:54 PM |
| quest0 | $25.00 | $25.00 | 9/23/2009 3:25:55 PM |
| aspire2grow | $25.00 | $25.00 | 9/23/2009 3:01:00 PM |
| jcw3rd | $25.00 | $25.00 | 9/23/2009 3:38:23 PM |
| Lear31 | $50.00 | $50.00 | 9/23/2009 3:48:13 PM |
| Bank_Of_XL | $50.00 | $50.00 | 9/23/2009 3:23:02 PM |
| bearden3 | $50.00 | $50.00 | 9/23/2009 4:19:27 PM |
| 56 bids
|
Borrower Payment Dependent Notes Series
423668
This series of Notes was issued and sold upon the funding of the borrower loan #38729, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Sep-09-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-19-2009 |
|
|
Starting lender yield:
| 8.08% |
Starting borrower rate/APR:
| 9.08% / 9.42% |
Starting monthly payment:
| $127.35 |
|
Final lender yield:
| 6.90% |
Final borrower rate/APR:
| 7.90% / 9.98% |
Final monthly payment:
| $125.16 |
| |
|
Auction yield range:
| 3.18% - 8.08% |
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:
| Oct-1987 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 820-840 (Sep-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,656 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 33% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| unrivaled-liberty |
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
Prosperty Loan
Purpose of loan:
This loan will be put to good use in building prosperty for my family and friends via my business.
This loan also creates an opportuntity for you to prosper by getting paid back consistently and on time.
My financial situation:
I am a?great candidate for this loan because I know how to pay a loan back on time with no risk to the lender.
I have a long track record?of paying back loans much more substantial than what I am requesting here.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Cai8899 | $25.00 | $25.00 | 9/9/2009 4:30:41 PM |
| skuba | $50.00 | $50.00 | 9/9/2009 4:31:20 PM |
| gold-tsunami | $25.00 | $25.00 | 9/9/2009 4:32:57 PM |
| rjleves | $25.00 | $25.00 | 9/9/2009 4:33:08 PM |
| noble-revenue | $100.00 | $100.00 | 9/9/2009 4:34:39 PM |
| turbospeed | $25.00 | $25.00 | 9/9/2009 4:23:05 PM |
| Cherrypicker06 | $25.00 | $25.00 | 9/9/2009 4:31:00 PM |
| seasportsguy | $25.00 | $25.00 | 9/9/2009 4:31:55 PM |
| personal-lender | $25.00 | $25.00 | 9/9/2009 4:32:52 PM |
| honorable-yield | $50.00 | $50.00 | 9/9/2009 4:31:09 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/9/2009 4:31:35 PM |
| LoanGiver | $25.00 | $25.00 | 9/9/2009 4:32:43 PM |
| yank918 | $25.00 | $25.00 | 9/9/2009 4:40:41 PM |
| Hogpilot | $25.00 | $25.00 | 9/9/2009 4:41:31 PM |
| ok | $25.00 | $25.00 | 9/10/2009 8:39:25 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/11/2009 3:10:52 PM |
| brocilybeef | $25.00 | $25.00 | 9/11/2009 3:50:28 PM |
| jgar_O | $30.00 | $30.00 | 9/12/2009 6:44:34 AM |
| buckyhead2000 | $25.00 | $25.00 | 9/11/2009 8:24:56 PM |
| sas19 | $25.00 | $25.00 | 9/12/2009 10:04:55 AM |
| kinetic-diversification | $25.00 | $25.00 | 9/13/2009 1:05:44 PM |
| szetowski | $25.00 | $25.00 | 9/13/2009 8:36:45 PM |
| blot44 | $50.00 | $50.00 | 9/13/2009 10:50:58 AM |
| little_shark_J | $25.00 | $25.00 | 9/14/2009 6:07:23 AM |
| langdonx | $50.00 | $50.00 | 9/14/2009 7:01:40 AM |
| WillingToHelpOut | $25.00 | $25.00 | 9/13/2009 6:14:25 PM |
| engaging-worth | $30.00 | $30.00 | 9/14/2009 9:37:00 AM |
| goofy15975 | $25.00 | $25.00 | 9/14/2009 5:55:19 AM |
| dealarella | $25.00 | $25.00 | 9/14/2009 9:55:27 AM |
| bid-papyrus | $50.00 | $50.00 | 9/14/2009 3:55:58 PM |
| LuckySF | $50.00 | $50.00 | 9/14/2009 6:50:47 PM |
| LPSolutions | $25.00 | $25.00 | 9/14/2009 6:56:17 PM |
| Avala | $25.00 | $25.00 | 9/14/2009 7:01:10 PM |
| top-impressive-dinero | $25.00 | $25.00 | 9/14/2009 11:56:48 PM |
| SchaeferJ | $25.00 | $25.00 | 9/15/2009 11:35:22 AM |
| best-platinum-persimmon | $50.00 | $50.00 | 9/15/2009 3:30:31 PM |
| generous-at-heart | $25.00 | $25.00 | 9/15/2009 3:37:40 PM |
| pbeach05 | $25.00 | $25.00 | 9/15/2009 5:25:51 PM |
| DrStaff | $29.96 | $29.96 | 9/15/2009 7:16:36 PM |
| wormdc | $25.00 | $25.00 | 9/15/2009 7:16:35 PM |
| museic1 | $25.00 | $25.00 | 9/15/2009 5:50:36 PM |
| SkiNZ | $25.00 | $25.00 | 9/16/2009 9:30:44 AM |
| longisland47m | $25.00 | $25.00 | 9/16/2009 12:07:32 PM |
| chief_wo | $25.00 | $25.00 | 9/16/2009 12:08:30 PM |
| majormoves1 | $25.00 | $25.00 | 9/16/2009 8:35:15 AM |
| degster | $25.00 | $25.00 | 9/16/2009 8:45:34 AM |
| greenback-floret | $25.00 | $25.00 | 9/16/2009 2:30:30 PM |
| ritchie70 | $25.00 | $25.00 | 9/16/2009 11:25:26 AM |
| jt88 | $25.00 | $25.00 | 9/16/2009 12:07:55 PM |
| qkinger | $50.00 | $50.00 | 9/18/2009 2:23:53 PM |
| CULPEPPERGROUP | $50.00 | $50.00 | 9/19/2009 3:10:47 PM |
| lagnisiruk | $25.00 | $25.00 | 9/9/2009 4:30:54 PM |
| DukSerduk | $25.00 | $25.00 | 9/9/2009 4:31:18 PM |
| cash-sensai2 | $25.00 | $25.00 | 9/9/2009 4:31:23 PM |
| testobsessed | $100.00 | $100.00 | 9/9/2009 4:31:38 PM |
| five-star-justice | $36.00 | $36.00 | 9/9/2009 4:33:03 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/9/2009 4:40:45 PM |
| don8ter | $60.00 | $60.00 | 9/9/2009 4:31:04 PM |
| Sid-K | $50.00 | $50.00 | 9/9/2009 4:31:14 PM |
| bchen78875 | $50.00 | $50.00 | 9/9/2009 4:31:28 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/9/2009 4:32:13 PM |
| crossborders | $25.00 | $25.00 | 9/9/2009 4:33:17 PM |
| Halos2002 | $50.00 | $50.00 | 9/9/2009 4:41:27 PM |
| elasermd | $50.00 | $50.00 | 9/9/2009 4:31:52 PM |
| Kame | $25.00 | $25.00 | 9/9/2009 4:32:21 PM |
| nuclearmoose | $25.00 | $25.00 | 9/9/2009 4:40:10 PM |
| justice-excellency | $50.00 | $50.00 | 9/9/2009 4:42:42 PM |
| Coach2often | $30.00 | $30.00 | 9/9/2009 4:42:58 PM |
| gm93001 | $25.00 | $25.00 | 9/9/2009 5:57:12 PM |
| hellasow | $30.00 | $30.00 | 9/9/2009 5:58:58 PM |
| solarwind | $25.00 | $25.00 | 9/10/2009 10:24:26 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 9/11/2009 4:17:31 AM |
| Goodlender42 | $25.00 | $25.00 | 9/10/2009 5:03:20 PM |
| impartial-deal | $25.00 | $25.00 | 9/10/2009 5:01:50 PM |
| Artist_Blue | $25.00 | $25.00 | 9/10/2009 5:10:40 PM |
| MidnightBank | $25.00 | $25.00 | 9/11/2009 6:29:37 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 9/11/2009 6:34:40 PM |
| bowdish1 | $30.75 | $30.75 | 9/11/2009 5:49:32 PM |
| payontime1 | $50.00 | $50.00 | 9/11/2009 8:34:18 PM |
| compoundinterest | $50.00 | $50.00 | 9/12/2009 12:45:12 PM |
| rose88 | $25.00 | $25.00 | 9/14/2009 7:06:16 AM |
| RICHMONDREB | $25.00 | $25.00 | 9/14/2009 8:10:13 AM |
| blackstar | $25.00 | $25.00 | 9/14/2009 5:46:55 PM |
| CPAMAN | $25.00 | $25.00 | 9/14/2009 5:50:55 PM |
| Masterlender | $25.00 | $25.00 | 9/14/2009 6:56:18 PM |
| pubnat | $25.00 | $25.00 | 9/14/2009 7:13:39 PM |
| all_of_that_one | $25.00 | $25.00 | 9/15/2009 7:00:32 AM |
| turbine5 | $40.00 | $40.00 | 9/15/2009 11:06:02 AM |
| PatRichi | $25.00 | $25.00 | 9/15/2009 11:41:25 AM |
| totoro | $25.00 | $25.00 | 9/15/2009 12:50:27 PM |
| coin-lender77 | $25.00 | $25.00 | 9/15/2009 12:37:03 PM |
| funds-promiser | $50.00 | $50.00 | 9/15/2009 1:51:20 PM |
| hayhelp | $25.00 | $25.00 | 9/15/2009 4:15:58 PM |
| JJS180 | $25.00 | $25.00 | 9/15/2009 12:25:20 PM |
| RJN | $25.00 | $25.00 | 9/15/2009 5:17:00 PM |
| Hokiemon | $50.00 | $50.00 | 9/15/2009 6:05:47 PM |
| MrDavid | $50.00 | $50.00 | 9/15/2009 5:12:02 PM |
| ClearLake | $25.00 | $25.00 | 9/15/2009 9:55:57 PM |
| practice44 | $25.00 | $25.00 | 9/15/2009 5:21:13 PM |
| djs81 | $25.00 | $25.00 | 9/16/2009 6:12:22 AM |
| screenname03 | $25.00 | $25.00 | 9/16/2009 7:31:55 AM |
| kenyonhillbilly | $50.00 | $50.00 | 9/15/2009 6:27:39 PM |
| TK4 | $25.00 | $25.00 | 9/15/2009 6:42:37 PM |
| neenerman | $25.00 | $25.00 | 9/15/2009 8:10:29 PM |
| credit-coach118 | $25.00 | $25.00 | 9/15/2009 11:20:07 PM |
| uncleegg | $25.00 | $25.00 | 9/16/2009 3:15:28 AM |
| asya | $29.00 | $29.00 | 9/16/2009 12:08:17 PM |
| ebgb234 | $25.00 | $4.29 | 9/16/2009 12:16:39 PM |
| Ananya | $25.00 | $25.00 | 9/16/2009 8:35:18 AM |
| plbquic | $25.00 | $25.00 | 9/16/2009 12:49:51 PM |
| thedoctor | $25.00 | $25.00 | 9/16/2009 10:48:17 AM |
| brightest-revenue-spark | $25.00 | $25.00 | 9/16/2009 10:50:16 AM |
| lending-bear | $50.00 | $50.00 | 9/16/2009 11:25:27 AM |
| mathprof | $25.00 | $25.00 | 9/16/2009 11:25:49 AM |
| oldman1947 | $25.00 | $25.00 | 9/16/2009 12:39:48 PM |
| Chosen-one | $25.00 | $25.00 | 9/16/2009 11:44:25 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/17/2009 8:12:38 AM |
| Gold_Coin | $25.00 | $25.00 | 9/17/2009 3:01:08 PM |
| rce1964 | $25.00 | $25.00 | 9/18/2009 11:18:25 AM |
| market-assembler | $50.00 | $50.00 | 9/18/2009 12:59:43 PM |
| amit_gu | $50.00 | $50.00 | 9/18/2009 3:22:54 PM |
| swiftsoul | $25.00 | $25.00 | 9/18/2009 5:00:12 PM |
| MisterEd | $50.00 | $50.00 | 9/19/2009 5:05:31 AM |
| pennyonebank | $25.00 | $25.00 | 9/19/2009 11:51:36 AM |
| 124 bids
|
Borrower Payment Dependent Notes Series
423726
This series of Notes was issued and sold upon the funding of the borrower loan #38703, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Sep-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-28-2009 |
|
|
Starting lender yield:
| 12.99% |
Starting borrower rate/APR:
| 13.99% / 14.34% |
Starting monthly payment:
| $68.35 |
|
Final lender yield:
| 6.75% |
Final borrower rate/APR:
| 7.75% / 9.83% |
Final monthly payment:
| $62.44 |
| |
|
Auction yield range:
| 3.18% - 12.99% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.15% | | |
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:
| Sep-1993 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 760-780 (Aug-2009) |
Current / open credit lines:
| 14
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 45 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $59,944 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 67% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| dfaulkner |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 92% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $6,001.00 | < mo. late:
| 2
( 8% )
| 780-800
(Oct-2008)
760-780
(Sep-2008)
680-700
(Aug-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
Wildcats General Operations
This loan request is described below. The organization is a Semi-Pro Football team based out of the Worcester, MA Area. We have been fortunate that in our?6th year we have seen great success and notariaty throughout the Worcester County Area.
We are looking to help in providing this opportunity for young men to continue to work on developing their skills in the hopes of advancing to a higher level in sports. Additional resources are needed such as updated?equipment and other small items in order to help get back on track.
Your support would be greatly appreciated.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
How do you make money in this business? You have not mentioned it. Where do you get fund to pay down this loan and how soon? - cybercop45
A:
Thanks for asking. The organization is self funded through fundraisers, membership fees, sponsors and game day admission. The loan is to get a headstart to what is normally paid for after the season has already started. Getting a headstart helps to jumpstart what is normally accounted for during a season anyway. No incurred debt for the organization after 6 seasons. The team is solid and continues to move forward.
(Sep-20-2009)
Q:
Can you post a link to your team's Website or a site that can give us a little more info on your team? - SnE
A:
Absolutely. The website is www.worcestercountywildcats.com
(Sep-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| blot44 | $50.00 | $50.00 | 9/14/2009 8:38:40 PM |
| maricel10 | $50.00 | $50.00 | 9/23/2009 1:04:00 AM |
| Personal-Bond | $50.00 | $50.00 | 9/23/2009 7:32:10 AM |
| flshdaskll | $25.00 | $25.00 | 9/24/2009 8:37:32 AM |
| Okeey | $25.00 | $25.00 | 9/24/2009 1:24:32 PM |
| word140 | $25.00 | $25.00 | 9/26/2009 6:46:04 AM |
| Penne123 | $32.49 | $32.49 | 9/26/2009 5:35:54 PM |
| loanman2007 | $50.00 | $50.00 | 9/27/2009 7:35:41 AM |
| Anamorph | $25.00 | $25.00 | 9/27/2009 9:29:49 AM |
| mobius_titan | $25.00 | $25.00 | 9/28/2009 4:49:03 AM |
| kf88 | $50.00 | $50.00 | 9/28/2009 8:48:30 AM |
| MacBrandon | $25.00 | $25.00 | 9/28/2009 10:08:52 AM |
| generous-deal6 | $50.00 | $50.00 | 9/28/2009 10:40:53 AM |
| generous-deal6 | $50.00 | $50.00 | 9/28/2009 10:42:37 AM |
| bondhedger | $25.00 | $25.00 | 9/28/2009 11:33:43 AM |
| careful-wealth | $50.00 | $33.05 | 9/28/2009 3:59:02 PM |
| Wachocia | $25.00 | $25.00 | 9/28/2009 4:04:02 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/28/2009 12:58:35 PM |
| plbquic | $25.00 | $25.00 | 9/28/2009 1:26:38 PM |
| njmlaj726 | $25.00 | $25.00 | 9/28/2009 1:55:39 PM |
| SchaeferJ | $25.00 | $25.00 | 9/16/2009 2:30:33 PM |
| DrNano | $50.00 | $50.00 | 9/17/2009 10:44:46 AM |
| Jiangtao | $25.00 | $25.00 | 9/17/2009 6:37:14 PM |
| greenback-floret | $25.00 | $25.00 | 9/20/2009 8:01:52 PM |
| HumRaahee | $100.00 | $100.00 | 9/20/2009 6:38:41 PM |
| fcrick | $25.00 | $25.00 | 9/23/2009 11:13:29 AM |
| Biazza | $25.00 | $25.00 | 9/24/2009 4:23:08 PM |
| Aubrei | $25.00 | $25.00 | 9/25/2009 6:43:05 AM |
| llequire1 | $300.00 | $300.00 | 9/26/2009 6:15:09 AM |
| Johnab | $51.00 | $51.00 | 9/26/2009 11:19:49 AM |
| rcs2003 | $27.00 | $27.00 | 9/26/2009 12:36:09 PM |
| jetsons6866 | $50.00 | $50.00 | 9/26/2009 3:48:34 PM |
| cwb8539 | $25.00 | $25.00 | 9/26/2009 5:38:05 PM |
| dpfl55 | $25.00 | $25.00 | 9/26/2009 9:18:17 PM |
| gjm6d | $40.00 | $40.00 | 9/27/2009 2:52:19 PM |
| Floridagirl | $42.99 | $42.99 | 9/27/2009 4:56:26 AM |
| redtilapia | $25.00 | $25.00 | 9/28/2009 3:25:19 AM |
| betheanswer | $50.00 | $50.00 | 9/28/2009 9:51:21 AM |
| jasunshine | $25.00 | $25.00 | 9/28/2009 7:34:07 AM |
| slgilligan | $50.00 | $50.00 | 9/28/2009 9:26:36 AM |
| Earlston | $50.00 | $50.00 | 9/28/2009 12:43:03 PM |
| Pendruce | $25.00 | $25.00 | 9/28/2009 10:19:14 AM |
| wild_carrot | $25.00 | $25.00 | 9/28/2009 11:27:20 AM |
| best-generosity-financier | $50.00 | $50.00 | 9/28/2009 3:58:38 PM |
| porwestco | $25.00 | $25.00 | 9/28/2009 4:04:31 PM |
| Chewbaca | $25.00 | $25.00 | 9/28/2009 1:45:15 PM |
| FL-Lender | $50.00 | $50.00 | 9/28/2009 2:06:50 PM |
| TBCapitol | $48.47 | $48.47 | 9/28/2009 4:03:21 PM |
| 48 bids
|
Borrower Payment Dependent Notes Series
423914
This series of Notes was issued and sold upon the funding of the borrower loan #38735, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| C |
Auction start date:
| Sep-15-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Sep-21-2009 |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $131.97 |
|
Final lender yield:
| 19.05% |
Final borrower rate/APR:
| 20.05% / 22.29% |
Final monthly payment:
| $130.16 |
| |
|
Auction yield range:
| 8.18% - 20.06% |
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:
| Sep-1996 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 680-700 (Sep-2009) |
Current / open credit lines:
| 11
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 18 | Length of status: | 2y 4m |
|
Amount delinquent:
| $232 |
Revolving credit balance:
| $21,835 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 75% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| efficient-basis |
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
Baby on the way!!!
Purpose of loan:
This loan will be used to pay for materials to finish renovations to my home.? I bought my house a couple of years ago, and have been working in my free time to perform badly needed upgrades.? As I am working to pay off the debt from my 20?s and don?t use credit cards, I only purchased materials for the house when I had cash to pay for it.? Now, with a baby on the way, I have only a couple of months to finish these projects!!!
My financial situation:
I am a good candidate for this loan because, I have been steadily employed since I was out of college (over 9 years ago) and I have never even been late with a payment (see note below, regarding delinquency).? ?As you will see below, I make more than enough to cover my monthly obligations, and I intend on paying this loan off early.
Monthly net income: $ 4485
Monthly expenses:??
Housing: $ 1130 (mortgage and tax)??
Insurance: $ 109??
Car expenses: $ 80 (car is paid off, this is a monthly average for gas, oil change, etc.)??
Utilities: $ 65??
Phone, cable, internet: $ 100??
Credit cards and other loans: $ 1000 (I often pay up to $2000, as I work to eliminate my debt)
Delinquency note:? I learned of this erroneous delinquency, upon Prosper pulling my credit.? I immediately contacted the parties involved, and filed a dispute with Experian.? On 9/9/09, I received email confirmation from Experian that the investigation was closed and the delinquency deleted.? Unfortunately, Prosper will not run my credit again until 30 days has passed, but I would be open to providing the documentation supporting the Experian investigation, if necessary.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kumpa2u | $25.00 | $25.00 | 9/15/2009 11:10:42 AM |
| crazycool | $25.00 | $25.00 | 9/15/2009 11:11:05 AM |
| affluence-tycoon | $25.00 | $25.00 | 9/15/2009 11:11:43 AM |
| GElender | $50.00 | $50.00 | 9/15/2009 11:15:20 AM |
| thedreamer | $25.00 | $25.00 | 9/15/2009 11:16:00 AM |
| wwwUniversal | $25.00 | $25.00 | 9/15/2009 11:13:41 AM |
| don8ter | $25.00 | $25.00 | 9/15/2009 11:16:16 AM |
| Moron_Buffet | $25.00 | $25.00 | 9/15/2009 11:14:09 AM |
| mathprof | $25.00 | $25.00 | 9/15/2009 11:14:38 AM |
| zeelender | $25.00 | $25.00 | 9/15/2009 11:16:34 AM |
| theQuietLender | $25.00 | $25.00 | 9/15/2009 11:18:37 AM |
| figs4u2 | $200.00 | $200.00 | 9/15/2009 11:17:46 AM |
| WalnutCreekguy | $33.00 | $33.00 | 9/15/2009 11:20:03 AM |
| chekat | $25.00 | $25.00 | 9/15/2009 11:18:25 AM |
| mpactlender | $25.00 | $25.00 | 9/15/2009 11:19:10 AM |
| Supernick | $25.00 | $25.00 | 9/15/2009 11:19:50 AM |
| dparkhom | $25.00 | $25.00 | 9/15/2009 11:19:57 AM |
| siege01 | $25.00 | $25.00 | 9/15/2009 11:20:39 AM |
| ritchie70 | $25.00 | $25.00 | 9/15/2009 11:21:00 AM |
| sloan | $25.00 | $25.00 | 9/15/2009 11:21:08 AM |
| slymoose | $25.00 | $25.00 | 9/15/2009 11:24:52 AM |
| MGMNT | $25.00 | $25.00 | 9/15/2009 11:21:16 AM |
| Cai8899 | $25.00 | $25.00 | 9/15/2009 11:25:27 AM |
| pure-deal6 | $25.00 | $25.00 | 9/15/2009 11:26:52 AM |
| Tradesmanlender | $25.00 | $25.00 | 9/15/2009 11:28:11 AM |
| MicroL | $25.00 | $25.00 | 9/15/2009 11:29:13 AM |
| janicewill | $25.00 | $25.00 | 9/15/2009 11:30:03 AM |
| jeg3k | $25.00 | $25.00 | 9/15/2009 11:26:40 AM |
| dansarkis | $25.00 | $25.00 | 9/15/2009 11:30:32 AM |
| dinobuddy | $25.00 | $25.00 | 9/15/2009 11:29:36 AM |
| chipperjohnson | $25.00 | $21.00 | 9/15/2009 11:31:42 AM |
| chlebie | $25.00 | $25.00 | 9/15/2009 11:11:17 AM |
| screenname03 | $25.00 | $25.00 | 9/15/2009 11:12:35 AM |
| ecila625 | $25.00 | $25.00 | 9/15/2009 11:12:45 AM |
| jokerj006 | $25.00 | $25.00 | 9/15/2009 11:13:07 AM |
| Artist_Blue | $25.00 | $25.00 | 9/15/2009 11:14:50 AM |
| interstellar | $50.00 | $50.00 | 9/15/2009 12:00:14 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/15/2009 11:18:05 AM |
| gold-tsunami | $25.00 | $25.00 | 9/15/2009 11:18:07 AM |
| peb44 | $100.00 | $100.00 | 9/15/2009 11:18:33 AM |
| aldeed | $25.00 | $25.00 | 9/15/2009 11:20:47 AM |
| GMPK_TLAS | $25.00 | $25.00 | 9/15/2009 11:23:42 AM |
| slcchad | $25.00 | $25.00 | 9/15/2009 11:24:18 AM |
| Clambake | $50.00 | $50.00 | 9/15/2009 11:25:35 AM |
| PhalanxBulldog | $25.00 | $25.00 | 9/15/2009 11:25:44 AM |
| lagnisiruk | $25.00 | $25.00 | 9/15/2009 11:26:09 AM |
| socialbanker | $25.00 | $25.00 | 9/15/2009 11:27:44 AM |
| youqianderen | $50.00 | $50.00 | 9/15/2009 11:28:24 AM |
| westsidehighway | $25.00 | $25.00 | 9/15/2009 11:28:33 AM |
| AuroraRobbin | $50.00 | $50.00 | 9/16/2009 4:59:13 PM |
| lavb23 | $25.00 | $25.00 | 9/21/2009 8:30:50 AM |
| Bigheadboy | $25.00 | $25.00 | 9/15/2009 11:12:01 AM |
| elated-justice | $25.00 | $25.00 | 9/15/2009 11:11:00 AM |
| skuba | $25.00 | $25.00 | 9/15/2009 11:11:07 AM |
| Halos2002 | $50.00 | $50.00 | 9/15/2009 11:11:37 AM |
| SNH | $25.00 | $25.00 | 9/15/2009 11:14:16 AM |
| bazaar-tulip | $25.00 | $25.00 | 9/15/2009 11:11:53 AM |
| anton | $25.00 | $25.00 | 9/15/2009 11:14:28 AM |
| five-star-justice | $36.00 | $36.00 | 9/15/2009 11:12:24 AM |
| unitedins | $25.00 | $25.00 | 9/15/2009 11:12:57 AM |
| honorable-yield | $25.00 | $25.00 | 9/15/2009 11:13:59 AM |
| hopethisworks | $50.00 | $50.00 | 9/15/2009 11:16:43 AM |
| jbarron | $25.00 | $25.00 | 9/15/2009 11:17:06 AM |
| personal-lender | $25.00 | $25.00 | 9/15/2009 11:15:42 AM |
| 888168 | $25.00 | $25.00 | 9/15/2009 11:16:12 AM |
| MrDavid | $25.00 | $25.00 | 9/15/2009 11:17:57 AM |
| Aquani | $50.00 | $50.00 | 9/15/2009 11:16:27 AM |
| VentureExplorer | $25.00 | $25.00 | 9/15/2009 11:17:20 AM |
| exact-justice | $25.00 | $25.00 | 9/15/2009 11:17:39 AM |
| rjleves | $25.00 | $25.00 | 9/15/2009 11:18:16 AM |
| lender281 | $25.00 | $25.00 | 9/15/2009 11:20:22 AM |
| kulender | $25.00 | $25.00 | 9/15/2009 11:18:47 AM |
| scottr | $25.00 | $25.00 | 9/15/2009 11:19:01 AM |
| wifibank | $25.00 | $25.00 | 9/15/2009 11:19:47 AM |
| top-unflappable-economy | $25.00 | $25.00 | 9/15/2009 11:20:27 AM |
| CarDealer3070 | $30.00 | $30.00 | 9/15/2009 11:23:57 AM |
| helpu88 | $25.00 | $25.00 | 9/15/2009 11:20:33 AM |
| metro457 | $25.00 | $25.00 | 9/15/2009 11:21:02 AM |
| Josta | $50.00 | $50.00 | 9/15/2009 11:25:00 AM |
| chicco | $80.00 | $80.00 | 9/15/2009 11:25:58 AM |
| delivery | $25.00 | $25.00 | 9/15/2009 11:22:55 AM |
| unclejaef | $25.00 | $25.00 | 9/15/2009 11:27:21 AM |
| Dahlozer | $25.00 | $25.00 | 9/15/2009 11:27:58 AM |
| techvet | $25.00 | $25.00 | 9/15/2009 11:24:28 AM |
| smart-return | $25.00 | $25.00 | 9/15/2009 11:28:48 AM |
| mason13a | $25.00 | $25.00 | 9/15/2009 11:26:14 AM |
| Trinkaloki | $25.00 | $25.00 | 9/15/2009 11:31:18 AM |
| Darkjimson | $25.00 | $25.00 | 9/15/2009 11:28:46 AM |
| hawker | $100.00 | $100.00 | 9/15/2009 11:30:14 AM |
| Champpilot | $50.00 | $50.00 | 9/15/2009 11:16:21 AM |
| nodrivelpls | $25.00 | $25.00 | 9/15/2009 11:16:57 AM |
| orindalender | $25.00 | $25.00 | 9/15/2009 11:17:12 AM |
| wayman | $50.00 | $50.00 | 9/15/2009 11:17:28 AM |
| secobarbital | $25.00 | $25.00 | 9/15/2009 11:19:23 AM |
| d_grbg | $35.00 | $35.00 | 9/15/2009 11:19:31 AM |
| Dakota98 | $50.00 | $50.00 | 9/15/2009 11:20:12 AM |
| best-platinum-persimmon | $25.00 | $25.00 | 9/15/2009 11:26:29 AM |
| ianakacg | $25.00 | $25.00 | 9/15/2009 11:27:02 AM |
| Sam65 | $25.00 | $25.00 | 9/15/2009 11:27:08 AM |
| Bank_Of_XL | $100.00 | $100.00 | 9/15/2009 3:10:58 PM |
| rose88 | $25.00 | $25.00 | 9/15/2009 11:30:45 AM |
| flwah | $25.00 | $25.00 | 9/15/2009 11:31:36 AM |
| robot777 | $40.00 | $40.00 | 9/16/2009 9:30:33 PM |
| JTHarris | $50.00 | $50.00 | 9/17/2009 11:42:16 AM |
| doughnut1 | $25.00 | $25.00 | 9/17/2009 7:31:37 PM |
| no-u-turn | $25.00 | $25.00 | 9/18/2009 9:42:29 AM |
| unequivocal-velocity | $25.00 | $25.00 | 9/20/2009 11:33:21 AM |
| 107 bids
|
Borrower Payment Dependent Notes Series
424380
This series of Notes was issued and sold upon the funding of the borrower loan #38737, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,400.00 |
Prosper Rating:
| D |
Auction start date:
| Sep-16-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-24-2009 |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $139.50 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $137.62 |
| |
|
Auction yield range:
| 11.18% - 26.38% |
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:
| Jul-2003 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 5
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $29 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 1% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| uodeltasig |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $2,400.00 | < mo. late:
| 0
( 0% )
| 660-680
(Feb-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Invest In Our Future (Engagement)
Purpose of loan:
This loan will be used to pay off the engagement ring I purchase for my now fiance (she said yes). I borrowed the money from my parents and I would like to pay them back in full and start structuring the payments. I have used Propser in the past to consolidate an existing loan with great success. I made all my payments on time and payed the loan off well head of schedule. I plan to structure the payments and pay it off within 6-8 months.
Credit Rating Note:
Propser currently doesn't have me as a homeowner, I'm working with them to resolve this as this should increase my credit rating.
My financial situation:
I am a good candidate for this loan because I have a solid payment history and have plenty of ability to pay off this loan, and pay it off fast. I have no outside monthly debt or expenses and I've successfully used and paid off a Propser loan in the past. I have consistent tax returns and have been consistently saving between 500-1000 a month, which I will be applying to this loan in the near future. Although wedding are a costly event, we have a healthy budget which we plan to stay well within the means of.
Monthly net income: $ 3005
Monthly expenses: $ 1886
Housing: $ 738 ($1,138.36 mortgage - $400 income from renters with a 1yr contract)
??Insurance: $ 78
??Car expenses: $50 ( 237 in car payments and? 50 in gas)
??Utilities: $ 150-90
??Phone, cable, internet: $ 150 ( 55 in cell and 20 in internet/cable)
??Food, entertainment: $ 500 (200-250 in food, 225 general expenses)
??Clothing, household expenses $
120 ( general household items and an article of clothing)
??Other expenses: $
100 ( for unexpected 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:
Hi, approximately how large is your mortgage and car loan? Do you have any student loans? Thanks. - SweetHomeChicago
A:
The total mortgage is $2276.72 which I split evenly with my fiance. We also have two renters with a year long contract, their total rent is 800, which I also split evenly with my fiance. As mentioned in my income below the total is:
$ 738 ($1,138.36 mortgage - $400 income from renters with a 1yr contract)
The car loan is actually a typo on the listing and was a carry over from my past Prosper loan, it has been paid in full.
I have paid off all student loans, and all loans outside my mortgage
(Sep-21-2009)
Q:
Sorry about the confusion, but I was wondering what the total principal balance of your mortgage is, not the monthly interest payment. Also, why type of house is it where you are able to rent out part of it and still occupy it with your fiance? - SweetHomeChicago
A:
Final sales price was $410,000, we put 20% down and the total principle balance of the loan is $328,000. The house is a large two story home 2,500+ sq ft, with four bedrooms. The renters are long-time friends of ours that are paying off their student loans and saving up to buy their own house. We have lived with them in the past as well.
(Sep-22-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| secobarbital | $25.00 | $25.00 | 9/16/2009 4:04:33 PM |
| IPG1 | $25.00 | $25.00 | 9/16/2009 4:02:29 PM |
| delivery | $25.00 | $25.00 | 9/16/2009 4:06:49 PM |
| CarDealer3070 | $30.00 | $30.00 | 9/16/2009 4:07:33 PM |
| snoopey100 | $25.00 | $25.00 | 9/16/2009 4:11:58 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/16/2009 4:11:27 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/16/2009 4:46:20 PM |
| Mantis75 | $25.00 | $25.00 | 9/16/2009 4:55:12 PM |
| NELNET | $32.87 | $32.87 | 9/16/2009 5:02:44 PM |
| thedreamer | $25.00 | $25.00 | 9/16/2009 4:06:43 PM |
| tender-gold | $25.00 | $25.00 | 9/16/2009 4:47:25 PM |
| foothillender | $25.00 | $25.00 | 9/17/2009 6:34:44 AM |
| howcal77 | $50.00 | $50.00 | 9/17/2009 6:40:08 AM |
| treasure-bliss | $50.00 | $50.00 | 9/17/2009 4:50:39 PM |
| dynamic-capital | $25.00 | $25.00 | 9/17/2009 1:36:43 PM |
| IIP77 | $25.00 | $25.00 | 9/17/2009 2:30:31 PM |
| neighborly-bid | $25.00 | $25.00 | 9/17/2009 5:35:29 PM |
| sharpchicago | $25.00 | $25.00 | 9/18/2009 6:33:45 AM |
| ddimports | $25.00 | $25.00 | 9/18/2009 9:48:56 AM |
| deal-pinnacle7 | $25.00 | $25.00 | 9/18/2009 10:56:35 AM |
| zone8 | $25.00 | $25.00 | 9/18/2009 1:17:44 PM |
| TheBaldGuy | $25.00 | $25.00 | 9/18/2009 2:23:20 PM |
| anton | $25.00 | $25.00 | 9/18/2009 4:08:30 PM |
| impressive-loan | $100.00 | $100.00 | 9/18/2009 4:16:59 PM |
| psztnrw | $110.00 | $110.00 | 9/18/2009 6:54:37 PM |
| personal-lender | $25.00 | $25.00 | 9/19/2009 7:17:50 AM |
| deepblue34 | $35.00 | $35.00 | 9/19/2009 7:43:54 AM |
| Viamin | $25.00 | $25.00 | 9/20/2009 1:22:08 AM |
| RickColo | $100.00 | $100.00 | 9/20/2009 9:50:04 AM |
| unequivocal-velocity | $25.00 | $25.00 | 9/20/2009 12:05:56 PM |
| Credit2Prosper | $25.00 | $25.00 | 9/20/2009 3:21:54 PM |
| festivecpl | $50.00 | $50.00 | 9/20/2009 12:39:22 PM |
| platinum-cub | $25.00 | $25.00 | 9/20/2009 3:56:53 PM |
| shepherd010 | $25.00 | $25.00 | 9/20/2009 5:38:07 PM |
| rustysailor | $35.00 | $35.00 | 9/20/2009 10:43:51 PM |
| Havilah | $50.00 | $50.00 | 9/20/2009 11:37:04 PM |
| louisianalender | $100.00 | $100.00 | 9/21/2009 12:32:25 AM |
| zento | $25.00 | $25.00 | 9/21/2009 1:27:08 PM |
| dunkard13 | $70.00 | $70.00 | 9/21/2009 5:48:41 PM |
| Cpay2Me | $25.00 | $25.00 | 9/21/2009 7:28:51 PM |
| coolspeed | $25.00 | $25.00 | 9/21/2009 4:39:56 PM |
| Unitas4302 | $111.71 | $111.71 | 9/21/2009 6:46:53 PM |
| lovely-return7 | $25.00 | $25.00 | 9/22/2009 9:35:28 AM |
| boghdan2000 | $25.00 | $25.00 | 9/22/2009 9:07:35 AM |
| kegs | $100.00 | $35.97 | 9/22/2009 10:14:09 AM |
| fortytwo | $50.00 | $50.00 | 9/22/2009 1:23:55 PM |
| bunnybear | $31.64 | $31.64 | 9/22/2009 4:14:09 PM |
| unequivocal-velocity | $50.00 | $50.00 | 9/22/2009 8:09:02 PM |
| beachfunder | $25.00 | $25.00 | 9/23/2009 3:34:08 PM |
| capital-musician9 | $50.00 | $50.00 | 9/24/2009 5:15:35 AM |
| slcchad | $25.00 | $25.00 | 9/16/2009 4:07:58 PM |
| GMPK_TLAS | $25.00 | $25.00 | 9/16/2009 4:07:24 PM |
| flexiboy35 | $25.00 | $25.00 | 9/16/2009 5:42:09 PM |
| jlofgren | $25.00 | $25.00 | 9/17/2009 9:08:25 AM |
| purdue98 | $25.00 | $25.00 | 9/17/2009 9:29:28 AM |
| enriched-peace | $100.00 | $100.00 | 9/17/2009 10:10:48 AM |
| lagnisiruk | $25.00 | $25.00 | 9/17/2009 2:38:28 PM |
| MoneyForNothing | $50.00 | $50.00 | 9/17/2009 8:30:16 AM |
| poeman | $25.00 | $25.00 | 9/17/2009 4:38:39 PM |
| SNH | $50.00 | $50.00 | 9/18/2009 9:46:37 AM |
| bagus | $25.00 | $25.00 | 9/18/2009 1:57:51 PM |
| Halos2002 | $50.00 | $50.00 | 9/18/2009 4:09:03 PM |
| capital-galaxy | $50.00 | $50.00 | 9/18/2009 8:32:42 PM |
| momoney2lend | $25.00 | $25.00 | 9/18/2009 8:42:07 PM |
| AntiKris | $25.00 | $25.00 | 9/19/2009 5:53:27 AM |
| MidnightBank | $25.00 | $25.00 | 9/19/2009 7:28:08 AM |
| chief_wo | $25.00 | $25.00 | 9/19/2009 7:27:41 AM |
| drg6289 | $25.00 | $25.00 | 9/19/2009 11:23:11 AM |
| receptive-leverage | $25.00 | $25.00 | 9/19/2009 9:04:57 PM |
| noble-revenue | $25.00 | $25.00 | 9/20/2009 6:42:13 AM |
| Phantom99 | $25.00 | $25.00 | 9/20/2009 8:11:56 AM |
| toile_n_gingham | $50.00 | $50.00 | 9/20/2009 10:20:06 AM |
| saffron4 | $25.00 | $25.00 | 9/20/2009 9:47:16 AM |
| bigbryan98 | $25.00 | $25.00 | 9/20/2009 12:58:34 PM |
| heroic-benefit | $25.00 | $25.00 | 9/21/2009 9:34:55 AM |
| seisen | $50.00 | $50.00 | 9/21/2009 9:39:03 AM |
| WorldlyWorker | $25.00 | $25.00 | 9/21/2009 9:44:10 AM |
| MARWARISETH | $25.00 | $25.00 | 9/21/2009 12:09:26 PM |
| RadCad1 | $25.00 | $25.00 | 9/21/2009 1:44:39 PM |
| riversmoke | $25.00 | $25.00 | 9/22/2009 6:44:10 AM |
| djh47a | $25.00 | $25.00 | 9/22/2009 9:39:18 AM |
| RickColo | $100.00 | $100.00 | 9/22/2009 10:48:04 AM |
| dm82 | $60.00 | $60.00 | 9/22/2009 12:09:19 PM |
| visionary-currency | $92.81 | $92.81 | 9/22/2009 1:36:05 PM |
| Student_Capital | $50.00 | $50.00 | 9/22/2009 11:36:37 PM |
| bid-papyrus | $25.00 | $25.00 | 9/23/2009 8:22:49 AM |
| doubledb | $30.00 | $30.00 | 9/23/2009 2:04:28 PM |
| marwadi-62 | $50.00 | $50.00 | 9/23/2009 2:59:53 PM |
| mikeyp411 | $25.00 | $25.00 | 9/23/2009 2:51:34 PM |
| CoolPlexer | $25.00 | $25.00 | 9/23/2009 4:14:21 PM |
| kokopuff | $25.00 | $25.00 | 9/23/2009 5:28:21 PM |
| 91 bids
|
Borrower Payment Dependent Notes Series
424532
This series of Notes was issued and sold upon the funding of the borrower loan #38697, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| B |
Auction start date:
| Sep-15-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Sep-23-2009 |
|
|
Starting lender yield:
| 15.63% |
Starting borrower rate/APR:
| 16.63% / 18.82% |
Starting monthly payment:
| $88.67 |
|
Final lender yield:
| 13.95% |
Final borrower rate/APR:
| 14.95% / 17.12% |
Final monthly payment:
| $86.60 |
| |
|
Auction yield range:
| 6.18% - 15.63% |
Estimated loss impact:
| 5.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.71% | | |
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-2001 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 740-760 (Sep-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $13,155 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 63% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| scooby01 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help Me Start a Business
Purpose of loan:
This loan will be used to start a auto body paiint and repair business that I will make $7,000-$8,000 per month with to start. Eventually I will grow this business
into starting my own shop and having multiple units.
My financial situation:
I am a good candidate for this loan because I make my payments on time and I will use this money to make myself more financially stable. I will have enough money to very quickly to pay this loan off because of all of this additional income from the new business
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| wwwUniversal | $25.00 | $25.00 | 9/15/2009 4:42:36 PM |
| crazycool | $35.00 | $35.00 | 9/15/2009 4:50:29 PM |
| skuba | $25.00 | $25.00 | 9/15/2009 4:50:33 PM |
| personal-lender | $25.00 | $25.00 | 9/15/2009 4:51:05 PM |
| Champpilot | $50.00 | $50.00 | 9/15/2009 4:51:11 PM |
| rjleves | $25.00 | $25.00 | 9/15/2009 4:51:51 PM |
| jokerj006 | $25.00 | $25.00 | 9/15/2009 4:50:44 PM |
| GElender | $50.00 | $50.00 | 9/15/2009 4:51:02 PM |
| zeelender | $25.00 | $25.00 | 9/15/2009 4:51:17 PM |
| VentureExplorer | $25.00 | $25.00 | 9/15/2009 4:51:27 PM |
| exact-justice | $25.00 | $25.00 | 9/15/2009 4:51:32 PM |
| MrDavid | $25.00 | $25.00 | 9/15/2009 4:51:38 PM |
| scottr | $25.00 | $25.00 | 9/15/2009 4:52:05 PM |
| minista | $25.00 | $25.00 | 9/15/2009 4:59:10 PM |
| Artist_Blue | $25.00 | $25.00 | 9/15/2009 4:50:59 PM |
| figs4u2 | $200.00 | $200.00 | 9/15/2009 4:51:35 PM |
| kulender | $25.00 | $25.00 | 9/15/2009 4:52:01 PM |
| mpactlender | $25.00 | $25.00 | 9/15/2009 4:52:07 PM |
| d_grbg | $35.00 | $35.00 | 9/15/2009 4:52:17 PM |
| FG9YTR | $25.00 | $25.00 | 9/16/2009 10:48:55 AM |
| ChristopherHS | $25.00 | $25.00 | 9/16/2009 4:10:16 AM |
| mosby | $50.00 | $50.00 | 9/16/2009 12:56:24 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/16/2009 10:19:40 AM |
| estancias | $25.00 | $25.00 | 9/17/2009 4:12:34 PM |
| AF-Chief | $25.00 | $25.00 | 9/21/2009 7:37:16 AM |
| LesPaul1 | $25.00 | $25.00 | 9/21/2009 12:02:01 PM |
| plbquic | $25.00 | $25.00 | 9/21/2009 2:11:32 PM |
| riveting-rate | $25.00 | $25.00 | 9/21/2009 6:39:02 PM |
| the-rate-creature | $25.00 | $25.00 | 9/22/2009 10:20:23 AM |
| Feyenoord | $25.00 | $25.00 | 9/22/2009 11:06:59 AM |
| payout-magician | $25.00 | $25.00 | 9/22/2009 9:49:47 PM |
| himanshuko | $26.00 | $26.00 | 9/22/2009 8:27:41 PM |
| jetblack | $36.73 | $36.73 | 9/23/2009 11:24:40 AM |
| beachbum22 | $25.00 | $25.00 | 9/23/2009 10:06:07 AM |
| Raser | $25.00 | $25.00 | 9/15/2009 4:48:47 PM |
| kumpa2u | $25.00 | $25.00 | 9/15/2009 4:42:33 PM |
| Halos2002 | $50.00 | $50.00 | 9/15/2009 4:50:23 PM |
| five-star-justice | $36.00 | $36.00 | 9/15/2009 4:50:37 PM |
| honorable-yield | $25.00 | $25.00 | 9/15/2009 4:50:52 PM |
| BGILlender | $25.00 | $25.00 | 9/15/2009 4:44:00 PM |
| hopethisworks | $50.00 | $50.00 | 9/15/2009 4:51:21 PM |
| orindalender | $25.00 | $25.00 | 9/15/2009 4:51:25 PM |
| theQuietLender | $25.00 | $25.00 | 9/15/2009 4:51:55 PM |
| thedreamer | $25.00 | $25.00 | 9/15/2009 4:51:07 PM |
| Aquani | $50.00 | $50.00 | 9/15/2009 4:51:13 PM |
| little_shark_J | $25.00 | $25.00 | 9/15/2009 4:59:05 PM |
| EngineersAlliance | $100.00 | $100.00 | 9/15/2009 5:13:45 PM |
| elated-justice | $25.00 | $25.00 | 9/15/2009 4:50:17 PM |
| unitedins | $25.00 | $25.00 | 9/15/2009 4:50:41 PM |
| SNH | $25.00 | $25.00 | 9/15/2009 4:50:54 PM |
| don8ter | $25.00 | $25.00 | 9/15/2009 4:51:09 PM |
| nodrivelpls | $25.00 | $25.00 | 9/15/2009 4:51:24 PM |
| wayman | $50.00 | $50.00 | 9/15/2009 4:51:29 PM |
| gold-tsunami | $25.00 | $25.00 | 9/15/2009 4:51:46 PM |
| Supernick | $25.00 | $22.04 | 9/15/2009 4:52:19 PM |
| interstellar | $50.00 | $50.00 | 9/16/2009 12:13:16 PM |
| Syzygy | $25.00 | $25.00 | 9/16/2009 4:07:20 PM |
| JTHarris | $50.00 | $50.00 | 9/17/2009 11:45:47 AM |
| CK1 | $25.00 | $25.00 | 9/17/2009 7:55:15 PM |
| cticemomof3 | $25.00 | $25.00 | 9/18/2009 10:30:24 AM |
| Credit2Prosper | $50.00 | $50.00 | 9/18/2009 3:54:23 PM |
| merlin981 | $25.00 | $25.00 | 9/18/2009 8:49:27 PM |
| tashara | $25.00 | $25.00 | 9/19/2009 3:29:13 PM |
| idojudo123 | $50.00 | $50.00 | 9/20/2009 6:19:54 AM |
| liederhaus | $29.23 | $29.23 | 9/21/2009 6:21:59 PM |
| SpotLending | $50.00 | $50.00 | 9/22/2009 11:45:34 AM |
| lean-investment | $50.00 | $50.00 | 9/22/2009 11:45:25 AM |
| member123 | $25.00 | $25.00 | 9/22/2009 4:05:15 PM |
| enticing-treasure5 | $25.00 | $25.00 | 9/22/2009 9:17:13 PM |
| visionary-currency | $50.00 | $50.00 | 9/23/2009 7:29:24 AM |
| eclicknsave | $30.00 | $30.00 | 9/22/2009 11:44:36 PM |
| dkhonda | $75.00 | $75.00 | 9/23/2009 10:20:52 AM |
| 72 bids
|
Borrower Payment Dependent Notes Series
425314
This series of Notes was issued and sold upon the funding of the borrower loan #38722, 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-21-2009 |
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction end date:
| Sep-21-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 17.18% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 3 |
First credit line:
| Jun-2001 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $331 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 20% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 7 | | | | |
|
Screen name:
| dinero-explorer9 |
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
Help my Parents
Purpose of loan:
This loan will be used to help my parents get caught up on their bills.? My father, a retired Army man,?recently lost his job as a teacher at the local community college.? After being frustrated with the job search, decided to try his hand at entrepreneurship using his experience as a truck driver.? He developed a relationship with a broker and used his savings to buy his own truck.? Since he bought the truck, he has only gotten two routes from the broker he's working with.? My father has knee problems, and despite this, he's been working in his off time to cut lawns and make any money he can here and there.? My mother cannot afford to support them both on her salary alone.? I can afford to help them on their bills going forward, but I do not have the lump sum they need to get them up to date.? My parents are really good people, my dad is the minister of education at his church, he also ministers to inmates in the local jails.? My mother dedicates herself to assisting the elderly and mentoring children.
My financial situation:
I am a good candidate for this loan because I have a good, stable income, VERY little credit card debt (around $300 if that) and my monthly obligations are minimal.? I pay all my bills in a timely manner and tend to pay off loans and credit cards early.? My work history listed is short, I started a new job with a very stable company.? Before I worked for a Big 4 Accounting Firm for over 2 years doing business valuations.? I changed jobs for a new and better opportunity.? I can afford this loan b/c I currently pay about $900/month on my $238/month car note so it can be paid off early, I can scale back to pay the minimum amount and cover their monthly bills for a few months as well as pay back this loan.? I do not want to do cash back on my credit cards b/c I've worked very hard to get my credit score to where it is by not carrying balances month to month and if I pulled this money out of my cards, my credit score would suffer.? I think Prosper is the best route to achieve my goal of getting my parents back on track.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| fcb202 | $25.00 | $25.00 | 9/21/2009 4:28:02 PM |
| SweetHomeChicago | $2,475.00 | $2,475.00 | 9/21/2009 5:10:13 PM |
| 2 bids
|
Borrower Payment Dependent Notes Series
385419
This series of Notes was issued and sold upon the funding of the borrower loan #38694, 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-08-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-22-2009 |
|
|
Starting lender yield:
| 8.08% |
Starting borrower rate/APR:
| 9.08% / 9.42% |
Starting monthly payment:
| $31.84 |
|
Final lender yield:
| 7.00% |
Final borrower rate/APR:
| 8.00% / 11.52% |
Final monthly payment:
| $31.34 |
| |
|
Auction yield range:
| 3.18% - 8.08% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.40% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Sep-2007 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-760 (Sep-2009) |
Current / open credit lines:
| 3
/
3 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 6 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $76 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 1% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| thegreatstrafe |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Establish a Reputation
Purpose of loan:
This loan will be used to? To establish a reputation as a borrower in case a borrowing need ever arisesI
My financial situation:
I am a good candidate for this loan because?? I am Responsible with Money and this loan will be paid on time because I have employment and have never?made a late payment before.
Monthly net income:?
?Approx $800 montly from part-time work at Wal-Mart????????
Monthly expenses: $?
??None- live with parents... no bills (lucky me)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| blot44 | $50.00 | $50.00 | 9/11/2009 4:47:54 PM |
| JerryB96 | $25.00 | $25.00 | 9/22/2009 5:14:21 AM |
| productive-moola | $25.00 | $25.00 | 9/22/2009 12:25:52 PM |
| LAKETIME | $25.00 | $25.00 | 9/22/2009 2:13:49 PM |
| malcolmreynolds | $25.00 | $25.00 | 9/22/2009 4:07:20 PM |
| Triver9 | $25.00 | $15.00 | 9/22/2009 3:27:10 PM |
| joerock | $200.00 | $200.00 | 9/22/2009 3:24:28 PM |
| Cambium | $35.00 | $35.00 | 9/22/2009 4:49:31 PM |
| investment-cluster | $25.00 | $25.00 | 9/20/2009 4:18:55 AM |
| ivar | $25.00 | $25.00 | 9/21/2009 6:50:54 PM |
| eagle1271 | $50.00 | $50.00 | 9/22/2009 10:37:49 AM |
| axelducheck | $25.00 | $25.00 | 9/22/2009 1:15:31 PM |
| mobius_titan | $25.00 | $25.00 | 9/22/2009 12:22:45 PM |
| COtheBeast | $25.00 | $25.00 | 9/22/2009 3:44:38 PM |
| mglanham | $25.00 | $25.00 | 9/22/2009 3:58:58 PM |
| Sven79 | $100.00 | $100.00 | 9/22/2009 1:26:10 PM |
| CoolBreezeWarlord | $50.00 | $50.00 | 9/22/2009 4:47:13 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/22/2009 4:49:14 PM |
| bossyboots01 | $25.00 | $25.00 | 9/22/2009 2:02:06 PM |
| little_shark_J | $200.00 | $200.00 | 9/22/2009 4:49:00 PM |
| 20 bids
|
Borrower Payment Dependent Notes Series
422299
This series of Notes was issued and sold upon the funding of the borrower loan #38716, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,500.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-08-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-22-2009 |
|
|
Starting lender yield:
| 14.50% |
Starting borrower rate/APR:
| 15.50% / 17.68% |
Starting monthly payment:
| $296.74 |
|
Final lender yield:
| 14.20% |
Final borrower rate/APR:
| 15.20% / 17.37% |
Final monthly payment:
| $295.49 |
| |
|
Auction yield range:
| 4.18% - 14.50% |
Estimated loss impact:
| 2.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.05% | | |
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-1994 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 38 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,377 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 45% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 6 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| dpt334 |
Borrower's state:
| Michigan |
Borrower's group:
| Christian Investors |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $12,800.00 | < mo. late:
| 0
( 0% )
| 660-680
(Mar-2008)
680-700
(Feb-2008)
|
|
Principal balance:
| $8,239.70 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
2nd loan (Adoption)
Purpose of Loan:
Pay off existing Prosper loan and lower our interest rate. (After a year of on time payments)
Original Loan:
My wife and I adopted 4 children approximately four years ago, and in doing so we acquired some debt. We were ready for a baby or a toddler, but not for the gift God brought into our lives: 4 children - ages 3, 4, 6, and 10. We suddenly had to buy 4 beds, mattresses, bedding, clothes, shoes, and some toys and entertainment for such ages. So the credit cards came out. After two years of revolving payments (of mostly interest) we decided to come to Prosper to put an end to the endless payment cycle. We have had a great experience with Prosper so far, and now hope to improve our financial situation even more.
Monthly payments:
We are current with all of our monthly payments and are doing well at paying off our remaining debts. We would like to use the money we save on the interest for this loan to pay off some of those other debts sooner than we had initially hoped.
God Bless and happy bidding!
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:
The adoption of 4 kids is great, I admire the both of you. What is the interest rate on your existing prosper loan? After obtaining the first prosper loan, has your credit card debt or other debt increased for the past 12 months? - falcone
A:
Thank you for your comment, we feel so blessed! The existing loan is at 24%. At the time we were a prosper C rating. We have spent the last 12-14 months trying our hardest to get rid of all of our revolving credit. We have nothing new and we are pleased to see out debt decrease. That is the reason for this loan. We want to get rid of our debt sooner.
Thanks again!
(Sep-21-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| sparkmeister | $25.00 | $25.00 | 9/8/2009 10:13:28 AM |
| agab | $25.00 | $25.00 | 9/8/2009 10:44:51 AM |
| mrxtravis | $25.00 | $25.00 | 9/8/2009 10:50:40 AM |
| new-goal-return | $25.00 | $25.00 | 9/8/2009 11:26:13 AM |
| wwwUniversal | $50.00 | $50.00 | 9/8/2009 11:14:51 AM |
| 1traveler | $50.00 | $50.00 | 9/9/2009 10:42:34 PM |
| Dustley | $26.50 | $26.50 | 9/12/2009 4:09:46 PM |
| PPLIN810 | $50.00 | $50.00 | 9/13/2009 9:40:40 AM |
| CommerciaLender | $25.00 | $25.00 | 9/14/2009 12:34:03 PM |
| browneyegravy | $25.00 | $25.00 | 9/14/2009 7:04:38 PM |
| sshgfwb | $50.00 | $50.00 | 9/16/2009 9:41:29 AM |
| SDD123 | $25.00 | $25.00 | 9/16/2009 9:17:56 AM |
| RiskAdverse | $25.00 | $25.00 | 9/16/2009 2:25:50 PM |
| dloan | $25.00 | $25.00 | 9/18/2009 8:59:02 AM |
| Ven58 | $25.00 | $25.00 | 9/18/2009 10:09:37 AM |
| coin-lender77 | $111.57 | $111.57 | 9/18/2009 10:51:44 AM |
| bhargapa | $200.00 | $200.00 | 9/18/2009 11:10:21 AM |
| grammaspurse | $50.00 | $50.00 | 9/18/2009 11:48:40 AM |
| JDLN | $25.00 | $25.00 | 9/18/2009 11:23:40 AM |
| Jinja | $25.00 | $25.00 | 9/18/2009 11:28:35 AM |
| credit-coach118 | $25.00 | $25.00 | 9/18/2009 12:09:59 PM |
| Dollarhide | $25.00 | $25.00 | 9/18/2009 1:10:09 PM |
| klemer | $25.00 | $25.00 | 9/18/2009 12:35:14 PM |
| MilitaryAV8R | $25.00 | $25.00 | 9/18/2009 1:19:22 PM |
| mostlynice | $50.00 | $50.00 | 9/18/2009 1:51:38 PM |
| guardian3 | $50.00 | $50.00 | 9/18/2009 4:02:41 PM |
| srosa29 | $100.00 | $100.00 | 9/18/2009 11:03:26 PM |
| CA_Lender | $25.00 | $25.00 | 9/19/2009 1:08:52 AM |
| Rip128 | $50.00 | $50.00 | 9/19/2009 9:31:36 AM |
| autonomous-power | $100.00 | $100.00 | 9/19/2009 7:10:42 PM |
| szasza | $50.00 | $50.00 | 9/20/2009 7:29:26 AM |
| szasza | $50.00 | $50.00 | 9/20/2009 7:30:19 AM |
| PrinceValium | $25.00 | $25.00 | 9/20/2009 9:19:07 AM |
| B1 | $50.00 | $50.00 | 9/20/2009 9:37:18 AM |
| catmanbob | $50.00 | $50.00 | 9/20/2009 9:42:47 AM |
| bronzmajom | $25.00 | $25.00 | 9/20/2009 2:46:21 PM |
| Int_PrinRateTime4000 | $40.00 | $40.00 | 9/20/2009 7:01:17 PM |
| clandrummer | $25.00 | $25.00 | 9/20/2009 7:50:42 PM |
| kulender | $100.00 | $100.00 | 9/20/2009 4:57:03 PM |
| myrddraal | $25.00 | $25.00 | 9/20/2009 8:16:44 PM |
| lovely-leverage | $25.00 | $25.00 | 9/20/2009 11:22:32 PM |
| HumRaahee | $100.00 | $100.00 | 9/20/2009 6:42:03 PM |
| alvinsl | $25.00 | $25.00 | 9/20/2009 7:24:04 PM |
| Debby | $25.00 | $25.00 | 9/20/2009 9:49:45 PM |
| ddh81 | $41.76 | $41.76 | 9/21/2009 7:58:27 AM |
| Pu239 | $50.00 | $50.00 | 9/21/2009 8:19:03 AM |
| Pu239 | $25.00 | $25.00 | 9/21/2009 8:20:55 AM |
| BankofBeth | $50.00 | $50.00 | 9/21/2009 10:00:35 AM |
| MrLeft | $25.00 | $25.00 | 9/21/2009 10:36:33 AM |
| SkipMcGrath | $32.65 | $32.65 | 9/21/2009 11:02:28 AM |
| Pu239 | $25.00 | $25.00 | 9/21/2009 1:20:26 PM |
| Bank_Of_XL | $50.00 | $50.00 | 9/21/2009 2:04:31 PM |
| smbau06 | $50.00 | $50.00 | 9/21/2009 12:29:39 PM |
| easymoney4me | $26.78 | $26.78 | 9/21/2009 1:29:16 PM |
| PCGeekWI | $25.00 | $25.00 | 9/21/2009 12:32:11 PM |
| Pu239 | $25.00 | $25.00 | 9/21/2009 1:14:36 PM |
| MrOglesby | $25.00 | $25.00 | 9/21/2009 2:56:06 PM |
| kushbomb | $100.00 | $100.00 | 9/21/2009 4:13:19 PM |
| truelumen | $25.00 | $25.00 | 9/21/2009 5:09:41 PM |
| Investor704 | $50.00 | $50.00 | 9/21/2009 6:04:20 PM |
| Money2Lend_U | $300.00 | $300.00 | 9/21/2009 8:47:41 PM |
| JustMee | $25.00 | $25.00 | 9/21/2009 8:57:34 PM |
| scloans | $25.00 | $25.00 | 9/22/2009 1:42:35 AM |
| lakrav | $25.00 | $25.00 | 9/22/2009 5:50:49 AM |
| KrisKringle | $50.00 | $50.00 | 9/21/2009 7:03:43 PM |
| COtheBeast | $25.00 | $25.00 | 9/21/2009 7:45:51 PM |
| nethawk00 | $25.00 | $25.00 | 9/22/2009 6:57:37 AM |
| Kelor99 | $25.00 | $25.00 | 9/21/2009 8:29:25 PM |
| Champion_Lending | $25.00 | $25.00 | 9/21/2009 8:32:27 PM |
| Allichar | $25.00 | $25.00 | 9/22/2009 5:38:42 AM |
| Lubava | $25.00 | $25.00 | 9/22/2009 6:14:37 AM |
| ricebin | $25.00 | $25.00 | 9/22/2009 8:26:20 AM |
| theaterguy | $25.00 | $25.00 | 9/22/2009 8:51:39 AM |
| JerryB96 | $25.00 | $25.00 | 9/22/2009 5:07:22 AM |
| SkinnyFish | $25.00 | $25.00 | 9/22/2009 5:26:20 AM |
| eldorado71 | $25.00 | $25.00 | 9/22/2009 9:21:18 AM |
| loanman2007 | $50.00 | $50.00 | 9/22/2009 6:12:44 AM |
| revenue-glider9 | $25.00 | $25.00 | 9/22/2009 8:02:36 AM |
| suzanny | $25.00 | $25.00 | 9/22/2009 6:42:11 AM |
| dough-rocket | $50.00 | $50.00 | 9/22/2009 9:41:17 AM |
| CCGEM | $85.00 | $85.00 | 9/22/2009 9:42:22 AM |
| cleo1255 | $50.00 | $50.00 | 9/22/2009 9:44:59 AM |
| buphigam | $25.00 | $25.00 | 9/8/2009 3:12:10 PM |
| wyogirllender | $25.00 | $25.00 | 9/8/2009 2:25:13 PM |
| KramericaIndustries | $25.00 | $25.00 | 9/8/2009 6:30:32 PM |
| Stavros | $30.00 | $30.00 | 9/9/2009 7:14:30 AM |
| Marathon418 | $25.00 | $25.00 | 9/12/2009 9:38:03 PM |
| Spring342 | $25.00 | $25.00 | 9/14/2009 7:04:41 PM |
| sshgfwb | $50.00 | $50.00 | 9/16/2009 9:42:52 AM |
| puyanera | $25.00 | $25.00 | 9/16/2009 12:32:26 PM |
| sshgfwb | $50.00 | $50.00 | 9/16/2009 9:42:00 AM |
| greenfuzz | $54.23 | $54.23 | 9/16/2009 10:58:13 AM |
| cutter21 | $25.00 | $25.00 | 9/16/2009 11:52:02 AM |
| Dan12781 | $25.00 | $25.00 | 9/16/2009 3:40:05 PM |
| Hobson | $65.00 | $60.26 | 9/17/2009 6:25:58 AM |
| zone8 | $200.00 | $200.00 | 9/17/2009 2:03:37 PM |
| johnrx | $50.00 | $50.00 | 9/17/2009 7:20:07 PM |
| us957165 | $25.00 | $25.00 | 9/17/2009 7:17:32 PM |
| DavidM | $25.70 | $25.70 | 9/17/2009 8:48:26 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/18/2009 5:11:32 AM |
| BankofBadHabits | $25.00 | $25.00 | 9/18/2009 5:42:22 AM |
| admirable-credit | $25.00 | $25.00 | 9/18/2009 11:41:57 AM |
| zone8 | $150.00 | $150.00 | 9/18/2009 12:03:46 PM |
| vegibenz | $25.00 | $25.00 | 9/18/2009 1:55:40 PM |
| umwol13 | $25.00 | $25.00 | 9/18/2009 3:07:51 PM |
| CaliforniaSun | $30.00 | $30.00 | 9/18/2009 4:53:56 PM |
| momentous-coin | $25.00 | $25.00 | 9/18/2009 5:48:58 PM |
| namd | $50.00 | $50.00 | 9/18/2009 5:55:54 PM |
| icess285 | $30.78 | $30.78 | 9/18/2009 8:22:26 PM |
| LibbyZ | $50.00 | $50.00 | 9/18/2009 8:26:49 PM |
| tntbuzz | $75.00 | $75.00 | 9/19/2009 8:48:33 AM |
| alands94 | $25.00 | $25.00 | 9/19/2009 11:08:32 AM |
| investment-cluster | $25.00 | $25.00 | 9/19/2009 1:06:32 PM |
| patriot384 | $50.00 | $50.00 | 9/19/2009 3:33:29 PM |
| sandia785 | $134.27 | $134.27 | 9/19/2009 4:07:06 PM |
| VaVMer | $30.00 | $30.00 | 9/20/2009 7:08:06 AM |
| szasza | $50.00 | $50.00 | 9/20/2009 7:28:40 AM |
| auction-sergeant | $50.00 | $50.00 | 9/20/2009 5:33:03 AM |
| BuildingBestLife | $25.00 | $25.00 | 9/20/2009 7:10:51 AM |
| the-dinero-samurai | $30.00 | $30.00 | 9/20/2009 5:50:51 PM |
| balance-missile | $100.00 | $100.00 | 9/20/2009 7:22:36 PM |
| ultimatepaintball | $40.00 | $40.00 | 9/20/2009 10:15:43 PM |
| Kash2010lu | $25.00 | $25.00 | 9/20/2009 8:03:43 PM |
| LtKen717 | $50.00 | $50.00 | 9/21/2009 2:54:12 AM |
| BlackFred | $34.86 | $34.86 | 9/20/2009 10:13:43 PM |
| top-radiant-funds | $292.67 | $292.67 | 9/21/2009 7:18:38 AM |
| circustab | $50.00 | $50.00 | 9/20/2009 8:17:24 PM |
| CERTIFIED | $100.00 | $100.00 | 9/21/2009 7:06:47 AM |
| Pu239 | $25.00 | $25.00 | 9/21/2009 8:20:24 AM |
| Pu239 | $50.00 | $50.00 | 9/21/2009 8:23:12 AM |
| bunnybear | $50.00 | $50.00 | 9/21/2009 10:33:11 AM |
| mckhbnpc | $28.11 | $28.11 | 9/21/2009 12:49:24 PM |
| Bufordo | $75.00 | $75.00 | 9/21/2009 11:25:12 AM |
| ekdroom | $25.00 | $25.00 | 9/21/2009 11:20:08 AM |
| Pu239 | $50.00 | $50.00 | 9/21/2009 1:15:07 PM |
| dcp12857 | $50.00 | $50.00 | 9/21/2009 12:23:25 PM |
| Happyhourcomics | $25.00 | $25.00 | 9/21/2009 12:49:29 PM |
| Miklot | $99.24 | $99.24 | 9/21/2009 1:28:39 PM |
| dustel | $35.00 | $35.00 | 9/21/2009 3:59:24 PM |
| the_prince | $100.00 | $100.00 | 9/21/2009 1:54:21 PM |
| gelt4u | $25.00 | $25.00 | 9/21/2009 4:12:01 PM |
| JJ-Loans | $50.00 | $50.00 | 9/21/2009 5:40:54 PM |
| Chewbaca | $25.00 | $25.00 | 9/21/2009 4:47:13 PM |
| thoughtful-investment045 | $25.00 | $25.00 | 9/21/2009 6:22:22 PM |
| thoughtful-investment045 | $50.00 | $50.00 | 9/21/2009 6:22:46 PM |
| gothampark | $25.00 | $25.00 | 9/21/2009 5:17:17 PM |
| redrose1518 | $30.00 | $30.00 | 9/21/2009 6:01:41 PM |
| soular21804 | $52.69 | $52.69 | 9/21/2009 8:18:01 PM |
| thoughtful-investment045 | $25.00 | $25.00 | 9/21/2009 6:20:35 PM |
| gain-dolphin | $25.00 | $25.00 | 9/21/2009 6:38:48 PM |
| evolsb | $25.00 | $25.00 | 9/21/2009 4:52:19 PM |
| Mission1 | $25.00 | $25.00 | 9/21/2009 10:44:16 PM |
| Truchaos | $32.14 | $32.14 | 9/21/2009 11:24:52 PM |
| clemclan | $60.00 | $60.00 | 9/21/2009 7:32:51 PM |
| Mikale360 | $25.00 | $25.00 | 9/21/2009 8:11:47 PM |
| cardelt | $25.00 | $25.00 | 9/21/2009 5:58:02 PM |
| crasherFL | $50.00 | $50.00 | 9/22/2009 5:34:23 AM |
| goodcents | $25.00 | $25.00 | 9/21/2009 6:30:48 PM |
| Brklyn01 | $70.00 | $70.00 | 9/22/2009 5:45:32 AM |
| new-lender | $25.00 | $25.00 | 9/21/2009 6:48:39 PM |
| Xristo540 | $42.44 | $42.44 | 9/21/2009 6:56:41 PM |
| kangarookim99 | $40.00 | $40.00 | 9/22/2009 6:50:53 AM |
| chester55 | $50.00 | $50.00 | 9/22/2009 7:02:24 AM |
| PrepWonder | $26.38 | $26.38 | 9/21/2009 8:10:18 PM |
| crazybill | $25.00 | $25.00 | 9/21/2009 8:52:31 PM |
| rmeedawk | $50.00 | $50.00 | 9/21/2009 10:26:28 PM |
| kikksk | $25.00 | $25.00 | 9/22/2009 6:28:36 AM |
| zapquoc | $25.00 | $25.00 | 9/21/2009 11:35:09 PM |
| schnarff | $25.00 | $25.00 | 9/22/2009 8:28:35 AM |
| Schlawinzer | $50.00 | $50.00 | 9/22/2009 6:40:27 AM |
| FredHead3 | $26.66 | $26.66 | 9/22/2009 8:38:36 AM |
| maga | $250.00 | $250.00 | 9/22/2009 7:39:01 AM |
| MrCoffee | $60.31 | $60.31 | 9/22/2009 9:20:40 AM |
| LAKETIME | $25.00 | $25.00 | 9/22/2009 8:39:36 AM |
| asset-numero-uno | $100.00 | $100.00 | 9/22/2009 9:34:46 AM |
| duty-accomplishment | $25.00 | $25.00 | 9/22/2009 9:38:50 AM |
| kindness-jedi | $25.00 | $25.00 | 9/22/2009 7:43:01 AM |
| usd1027 | $25.00 | $25.00 | 9/22/2009 8:25:33 AM |
| PPLIN810 | $75.00 | $75.00 | 9/22/2009 8:27:56 AM |
| falcone | $65.00 | $65.00 | 9/22/2009 8:38:21 AM |
| Vans1975 | $100.00 | $100.00 | 9/22/2009 9:36:58 AM |
| drb4ever | $25.00 | $25.00 | 9/22/2009 9:27:40 AM |
| JTHarris | $50.00 | $50.00 | 9/22/2009 9:44:05 AM |
| 183 bids
|
Borrower Payment Dependent Notes Series
422595
This series of Notes was issued and sold upon the funding of the borrower loan #38707, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-04-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-18-2009 |
|
|
Starting lender yield:
| 10.38% |
Starting borrower rate/APR:
| 11.38% / 13.50% |
Starting monthly payment:
| $98.76 |
|
Final lender yield:
| 7.50% |
Final borrower rate/APR:
| 8.50% / 10.59% |
Final monthly payment:
| $94.70 |
| |
|
Auction yield range:
| 4.18% - 10.38% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Apr-1991 |
Debt/Income ratio:
| 68% |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 8 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,081 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 55% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| telescope864 |
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
Starting a cleaning business
Purpose of loan:
This loan will be used to fund the start up of a environmentally responsible (eco-friendly) residential and commercial cleaning business. Money from the loan will go toward purchasing equipment, initial advertising, website development, print materials, insurance and bonding, and a little extra for unanticipated expenses. I have researched my market and I have created a business plan. I look forward to owning my own business and nurturing it to success. Help me live the American dream.
My financial situation:
I have a bachelor's degree, and my sister and I were the first women in our family to go to college. During the course of my education I racked up a lot of student loans. However, even though my debt to income ratio is high, I am diligent and honest in repaying anything that does not belong to me. I have never been late on a car payment or rent payment. My sincere gratitude for money I am loaned always motivates me to repay on time.
Thank you!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hunterMG | $25.00 | $25.00 | 9/15/2009 9:55:19 PM |
| JerryB96 | $25.00 | $25.00 | 9/16/2009 6:34:49 PM |
| IM-SHARKY | $500.00 | $500.00 | 9/18/2009 8:28:49 AM |
| priceless-euro | $200.00 | $200.00 | 9/18/2009 9:19:28 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:22:41 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:26:44 AM |
| priceless-euro | $50.00 | $50.00 | 9/18/2009 9:01:26 AM |
| intuitive-deal5 | $25.00 | $25.00 | 9/18/2009 9:10:17 AM |
| priceless-euro | $515.00 | $515.00 | 9/18/2009 9:17:47 AM |
| priceless-euro | $515.00 | $515.00 | 9/18/2009 9:18:34 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:21:25 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:23:30 AM |
| priceless-euro | $75.00 | $75.00 | 9/18/2009 9:25:32 AM |
| brettj | $50.00 | $50.00 | 9/18/2009 9:26:22 AM |
| priceless-euro | $465.00 | $465.00 | 9/18/2009 9:16:52 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:24:53 AM |
| priceless-euro | $265.00 | $230.00 | 9/18/2009 9:07:01 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:20:23 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:23:09 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:22:05 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:23:52 AM |
| priceless-euro | $25.00 | $25.00 | 9/18/2009 9:24:17 AM |
| priceless-euro | $75.00 | $75.00 | 9/18/2009 9:25:52 AM |
| 23 bids
|
Borrower Payment Dependent Notes Series
423271
This series of Notes was issued and sold upon the funding of the borrower loan #38688, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Sep-08-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-22-2009 |
|
|
Starting lender yield:
| 8.50% |
Starting borrower rate/APR:
| 9.50% / 9.84% |
Starting monthly payment:
| $192.20 |
|
Final lender yield:
| 6.90% |
Final borrower rate/APR:
| 7.90% / 9.98% |
Final monthly payment:
| $187.74 |
| |
|
Auction yield range:
| 3.18% - 8.50% |
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:
| Jul-1990 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 760-780 (Sep-2009) |
Current / open credit lines:
| 14
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 31 | Length of status: | 1y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $26,816 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 46% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| sjcalif |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help sister for her wedding
Purpose of loan:
I?m?going to use the fund as a gift for my sister wedding. I figure it?s the best way for me to help defray her wedding cost, while not impacting my own financial situation since I have 3 years to pay the loan.? I intend to pay?it off?as quickly possible.
My financial situation:My financial situation:I am a 36 professional male, who is?senior business analyst for a high tech company.? I am a responsible person and always pay my bills on time (credit cards and mortgage payment). I have an excellent credit history.? I have saving and 401K accounts that I can withdraw, but I prefer not to touch them since they are my nest eggs. I heard about Prosper through a friend a while ago, so I here I am trying to list the loan, hoping to get a more attractive loan rate than what?my bank is presently offering.? My options are: ?a) hope this community will underwrite the loan at a desirable rate that I want?? b) take up on the bank?loan?? c) withdraw from my savings as a last resort.? My preference and wish would be option A.? Thank your consideration!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| noble-revenue | $25.00 | $25.00 | 9/8/2009 10:06:24 AM |
| wwwUniversal | $25.00 | $25.00 | 9/8/2009 10:49:50 AM |
| lagnisiruk | $25.00 | $25.00 | 9/8/2009 10:55:03 AM |
| Moron_Buffet | $25.00 | $25.00 | 9/8/2009 11:04:38 AM |
| Kame | $25.00 | $25.00 | 9/8/2009 11:05:41 AM |
| rjleves | $25.00 | $25.00 | 9/8/2009 11:09:06 AM |
| ok | $25.00 | $25.00 | 9/8/2009 11:09:25 AM |
| crossborders | $25.00 | $25.00 | 9/8/2009 11:10:47 AM |
| all_of_that_one | $25.00 | $25.00 | 9/8/2009 11:15:02 AM |
| Cherrypicker06 | $25.00 | $25.00 | 9/8/2009 10:55:48 AM |
| DukSerduk | $25.00 | $25.00 | 9/8/2009 10:57:35 AM |
| greenback-floret | $25.00 | $25.00 | 9/8/2009 11:00:11 AM |
| gm93001 | $25.00 | $25.00 | 9/8/2009 11:05:16 AM |
| five-star-justice | $36.00 | $36.00 | 9/8/2009 11:08:05 AM |
| Artist_Blue | $25.00 | $25.00 | 9/8/2009 10:55:19 AM |
| don8ter | $60.00 | $60.00 | 9/8/2009 10:56:06 AM |
| buckyhead2000 | $25.00 | $25.00 | 9/8/2009 1:54:41 PM |
| LoanGiver | $25.00 | $25.00 | 9/8/2009 11:06:03 AM |
| RICHMONDREB | $25.00 | $25.00 | 9/8/2009 11:10:21 AM |
| szetowski | $25.00 | $25.00 | 9/8/2009 11:23:55 AM |
| blot44 | $50.00 | $50.00 | 9/8/2009 1:43:29 PM |
| blackstar | $25.00 | $25.00 | 9/8/2009 5:24:26 PM |
| kenji4861 | $39.92 | $39.92 | 9/8/2009 4:18:54 PM |
| wormdc | $25.00 | $25.00 | 9/9/2009 5:50:51 PM |
| Avala | $25.00 | $25.00 | 9/9/2009 5:38:19 PM |
| kenyonhillbilly | $50.00 | $50.00 | 9/9/2009 5:56:22 PM |
| ritchie70 | $25.00 | $25.00 | 9/9/2009 9:00:20 PM |
| djs81 | $25.00 | $25.00 | 9/10/2009 3:39:28 PM |
| ClearLake | $25.00 | $25.00 | 9/10/2009 5:00:51 PM |
| JJS180 | $25.00 | $25.00 | 9/10/2009 5:03:16 PM |
| screenname03 | $25.00 | $25.00 | 9/10/2009 9:44:46 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/11/2009 3:10:43 PM |
| 888168 | $42.75 | $42.75 | 9/11/2009 5:31:01 PM |
| TK4 | $25.00 | $25.00 | 9/11/2009 6:05:15 PM |
| practice44 | $25.00 | $25.00 | 9/11/2009 5:24:56 PM |
| compoundinterest | $50.00 | $50.00 | 9/12/2009 12:44:59 PM |
| pbeach05 | $25.00 | $25.00 | 9/12/2009 8:19:46 AM |
| kinetic-diversification | $25.00 | $25.00 | 9/13/2009 1:05:37 PM |
| WillingToHelpOut | $25.00 | $25.00 | 9/13/2009 2:35:54 PM |
| coin-lender77 | $25.00 | $25.00 | 9/14/2009 7:05:51 AM |
| chipperjohnson | $50.00 | $50.00 | 9/14/2009 8:35:51 AM |
| Hokiemon | $33.89 | $33.89 | 9/14/2009 8:59:19 AM |
| mathprof | $25.00 | $25.00 | 9/14/2009 8:58:40 AM |
| thedoctor | $25.00 | $25.00 | 9/14/2009 8:59:01 AM |
| engaging-worth | $30.00 | $30.00 | 9/14/2009 9:36:39 AM |
| dealarella | $25.00 | $25.00 | 9/14/2009 9:55:18 AM |
| majormoves1 | $25.00 | $25.00 | 9/14/2009 3:32:40 PM |
| CoolHelp | $25.00 | $25.00 | 9/14/2009 6:37:49 PM |
| CPAMAN | $25.00 | $25.00 | 9/14/2009 5:50:41 PM |
| All_Wins | $25.00 | $25.00 | 9/14/2009 7:24:49 PM |
| BookandLaw | $25.00 | $25.00 | 9/14/2009 6:54:31 PM |
| XD2005 | $25.00 | $25.00 | 9/14/2009 6:58:53 PM |
| Turkish101 | $25.00 | $25.00 | 9/15/2009 12:15:24 AM |
| LenderIntegrity24 | $25.00 | $25.00 | 9/15/2009 12:46:27 AM |
| Dollars4Rent | $25.00 | $25.00 | 9/14/2009 8:06:27 PM |
| PatRichi | $25.00 | $25.00 | 9/15/2009 11:41:16 AM |
| shawnw2 | $25.00 | $25.00 | 9/15/2009 12:21:54 PM |
| tayzak | $25.00 | $25.00 | 9/15/2009 12:47:45 PM |
| shanedog | $25.00 | $25.00 | 9/15/2009 1:11:31 PM |
| funds-promiser | $50.00 | $50.00 | 9/15/2009 1:35:30 PM |
| director877 | $25.00 | $25.00 | 9/15/2009 3:25:08 PM |
| generous-at-heart | $25.00 | $25.00 | 9/15/2009 3:37:28 PM |
| js60l | $25.00 | $25.00 | 9/15/2009 4:48:43 PM |
| elated-justice | $25.00 | $25.00 | 9/15/2009 4:48:51 PM |
| BigBoy2008 | $25.00 | $25.00 | 9/15/2009 1:26:30 PM |
| skydiver111 | $25.00 | $25.00 | 9/15/2009 4:59:31 PM |
| best-platinum-persimmon | $50.00 | $50.00 | 9/15/2009 3:30:25 PM |
| market-assembler | $50.00 | $50.00 | 9/15/2009 5:17:16 PM |
| MrDavid | $50.00 | $50.00 | 9/15/2009 5:11:52 PM |
| Raser | $25.00 | $25.00 | 9/15/2009 5:22:14 PM |
| miamiwill | $25.00 | $25.00 | 9/15/2009 5:35:41 PM |
| ready-loan | $25.00 | $25.00 | 9/15/2009 5:14:54 PM |
| edognyc | $25.00 | $25.00 | 9/15/2009 5:16:52 PM |
| degster | $25.00 | $25.00 | 9/16/2009 8:45:23 AM |
| dansarkis | $25.00 | $25.00 | 9/15/2009 8:05:17 PM |
| DeathScythe676 | $25.00 | $25.00 | 9/16/2009 9:44:56 AM |
| mmqc | $25.00 | $25.00 | 9/15/2009 10:20:16 PM |
| slartibardfast | $30.00 | $30.00 | 9/16/2009 12:05:29 PM |
| woodenshoes | $25.03 | $25.03 | 9/16/2009 12:06:21 PM |
| naniamo | $25.00 | $25.00 | 9/16/2009 9:36:22 AM |
| Sixmil | $25.00 | $25.00 | 9/16/2009 10:46:23 AM |
| ganoman21 | $25.00 | $25.00 | 9/16/2009 10:50:14 AM |
| outofoffice | $50.00 | $50.00 | 9/16/2009 9:10:48 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/18/2009 4:17:31 PM |
| hellasow | $25.00 | $25.00 | 9/18/2009 8:04:03 PM |
| MisterEd | $50.00 | $50.00 | 9/19/2009 5:02:28 AM |
| freyjabj | $25.00 | $25.00 | 9/19/2009 7:35:21 AM |
| yield-quest | $25.00 | $25.00 | 9/19/2009 8:49:31 PM |
| scrabbler | $25.00 | $25.00 | 9/20/2009 7:04:10 AM |
| kulender | $100.00 | $100.00 | 9/20/2009 5:01:30 PM |
| SeaLoans | $25.00 | $25.00 | 9/20/2009 7:16:49 PM |
| rmachi | $25.00 | $25.00 | 9/21/2009 8:27:37 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 9/21/2009 10:20:18 AM |
| rmeedawk | $50.00 | $50.00 | 9/21/2009 10:31:19 PM |
| bondo41 | $25.00 | $25.00 | 9/22/2009 5:52:26 AM |
| cowboy2525 | $30.00 | $30.00 | 9/21/2009 10:56:52 PM |
| kikksk | $25.00 | $25.00 | 9/22/2009 6:38:21 AM |
| bossyboots01 | $25.00 | $25.00 | 9/22/2009 5:35:17 AM |
| Lender50 | $25.00 | $25.00 | 9/22/2009 8:14:00 AM |
| Memphis-King | $50.00 | $50.00 | 9/22/2009 10:01:59 AM |
| friendinmoney | $25.00 | $25.00 | 9/22/2009 10:03:16 AM |
| honorable-yield | $50.00 | $50.00 | 9/8/2009 10:56:42 AM |
| skuba | $50.00 | $50.00 | 9/8/2009 10:58:02 AM |
| bchen78875 | $50.00 | $50.00 | 9/8/2009 10:58:44 AM |
| elasermd | $50.00 | $50.00 | 9/8/2009 11:00:51 AM |
| Hogpilot | $25.00 | $25.00 | 9/8/2009 11:03:59 AM |
| bid-papyrus | $50.00 | $50.00 | 9/8/2009 11:05:56 AM |
| gold-tsunami | $25.00 | $25.00 | 9/8/2009 11:07:14 AM |
| yank918 | $25.00 | $25.00 | 9/8/2009 11:08:26 AM |
| impartial-deal | $25.00 | $25.00 | 9/8/2009 11:19:41 AM |
| Cai8899 | $25.00 | $25.00 | 9/8/2009 10:54:10 AM |
| cash-sensai2 | $25.00 | $25.00 | 9/8/2009 10:58:21 AM |
| testobsessed | $100.00 | $100.00 | 9/8/2009 10:59:53 AM |
| personal-lender | $25.00 | $25.00 | 9/8/2009 11:06:42 AM |
| Sid-K | $50.00 | $50.00 | 9/8/2009 10:57:01 AM |
| nuclearmoose | $25.00 | $25.00 | 9/8/2009 1:05:07 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/8/2009 10:59:24 AM |
| seasportsguy | $25.00 | $25.00 | 9/8/2009 11:01:19 AM |
| Halos2002 | $50.00 | $50.00 | 9/8/2009 11:08:41 AM |
| justice-excellency | $50.00 | $50.00 | 9/8/2009 11:37:31 AM |
| Goodlender42 | $25.00 | $25.00 | 9/8/2009 4:48:09 PM |
| linklady | $50.00 | $50.00 | 9/9/2009 6:42:47 AM |
| LuckySF | $50.00 | $50.00 | 9/9/2009 6:13:53 AM |
| goofy15975 | $25.00 | $25.00 | 9/9/2009 6:45:00 AM |
| top-unflappable-economy | $25.00 | $25.00 | 9/9/2009 2:42:25 PM |
| swiftsoul | $25.00 | $25.00 | 9/9/2009 7:45:47 AM |
| Coach2often | $50.00 | $50.00 | 9/9/2009 3:11:15 PM |
| bowdish1 | $50.00 | $50.00 | 9/9/2009 2:45:30 PM |
| lending-bear | $50.00 | $50.00 | 9/9/2009 6:00:03 PM |
| Jassi | $25.00 | $25.00 | 9/10/2009 5:10:24 PM |
| museic1 | $25.00 | $25.00 | 9/10/2009 5:02:54 PM |
| DrStaff | $27.30 | $27.30 | 9/11/2009 12:05:04 PM |
| neenerman | $25.00 | $25.00 | 9/11/2009 12:54:57 PM |
| MissionMicroFinance | $25.00 | $25.00 | 9/11/2009 5:06:21 PM |
| FlyFlyBuggie | $25.00 | $25.00 | 9/11/2009 2:51:44 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 9/11/2009 5:06:40 PM |
| sas19 | $25.00 | $25.00 | 9/12/2009 10:04:43 AM |
| jgar_O | $30.00 | $30.00 | 9/12/2009 6:44:23 AM |
| LPSolutions | $25.00 | $25.00 | 9/12/2009 6:35:15 PM |
| credit-coach118 | $25.00 | $25.00 | 9/13/2009 8:54:37 AM |
| Masterlender | $25.00 | $25.00 | 9/13/2009 8:14:26 PM |
| rose88 | $25.00 | $25.00 | 9/14/2009 7:06:10 AM |
| langdonx | $50.00 | $50.00 | 9/14/2009 6:51:03 AM |
| RJN | $25.00 | $25.00 | 9/14/2009 8:58:01 AM |
| little_shark_J | $25.00 | $25.00 | 9/14/2009 8:40:30 AM |
| hayhelp | $25.00 | $25.00 | 9/14/2009 3:08:26 PM |
| Ananya | $25.00 | $25.00 | 9/14/2009 3:24:38 PM |
| mscomeaux | $25.00 | $25.00 | 9/14/2009 2:20:16 PM |
| totoro | $25.00 | $25.00 | 9/14/2009 5:30:00 PM |
| financelover | $25.00 | $25.00 | 9/14/2009 6:35:30 PM |
| kumpa2u | $50.00 | $50.00 | 9/14/2009 6:52:53 PM |
| mh1169 | $25.00 | $25.00 | 9/14/2009 6:57:59 PM |
| sparky1129 | $25.00 | $25.00 | 9/14/2009 7:01:28 PM |
| aajwm | $50.00 | $50.00 | 9/14/2009 7:01:26 PM |
| pubnat | $25.00 | $25.00 | 9/14/2009 7:13:32 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/14/2009 8:06:51 PM |
| inventive-wealth2 | $25.00 | $25.00 | 9/14/2009 8:20:21 PM |
| reefer | $37.42 | $37.42 | 9/14/2009 6:56:25 PM |
| longisland47m | $25.00 | $25.00 | 9/14/2009 6:57:28 PM |
| top-impressive-dinero | $25.00 | $25.00 | 9/14/2009 11:56:41 PM |
| lowrate | $25.00 | $25.00 | 9/15/2009 6:25:58 AM |
| SchaeferJ | $25.00 | $25.00 | 9/14/2009 7:28:30 PM |
| assetmanager | $25.00 | $25.00 | 9/14/2009 7:29:55 PM |
| beachbum22 | $25.00 | $25.00 | 9/15/2009 8:40:14 AM |
| new-reward-sequoia | $25.00 | $25.00 | 9/15/2009 9:43:51 AM |
| doughnut1 | $25.00 | $25.00 | 9/14/2009 10:43:11 PM |
| turbine5 | $40.00 | $40.00 | 9/15/2009 11:05:50 AM |
| BayShell | $27.24 | $27.24 | 9/15/2009 11:35:05 AM |
| jt88 | $25.00 | $25.00 | 9/15/2009 11:35:37 AM |
| Jeff89 | $25.00 | $25.00 | 9/15/2009 11:50:06 AM |
| Maccs55 | $50.00 | $50.00 | 9/15/2009 1:27:01 PM |
| jcttjg | $25.00 | $25.00 | 9/15/2009 3:50:24 PM |
| yield-blanket | $25.00 | $25.00 | 9/15/2009 4:48:38 PM |
| abuyama22 | $25.00 | $25.00 | 9/15/2009 4:48:54 PM |
| BSr | $25.00 | $25.00 | 9/15/2009 8:05:14 PM |
| hyperchamp | $25.00 | $25.00 | 9/16/2009 2:56:41 AM |
| uncleegg | $25.00 | $25.00 | 9/16/2009 3:15:18 AM |
| SkiNZ | $25.00 | $25.00 | 9/16/2009 9:30:40 AM |
| lowestghost | $25.00 | $25.00 | 9/16/2009 10:50:26 AM |
| fastcar750 | $25.00 | $25.00 | 9/16/2009 10:40:34 AM |
| oldman1947 | $25.00 | $25.00 | 9/16/2009 10:52:26 AM |
| Phillip4ever | $25.00 | $25.00 | 9/16/2009 11:44:44 AM |
| Gabriel02 | $25.00 | $25.00 | 9/16/2009 5:35:08 AM |
| asya | $29.00 | $11.95 | 9/16/2009 12:08:06 PM |
| rce1964 | $25.00 | $25.00 | 9/16/2009 4:25:37 PM |
| Gold_Coin | $25.00 | $25.00 | 9/17/2009 2:57:39 PM |
| little_shark_J | $25.00 | $25.00 | 9/18/2009 2:28:13 PM |
| Approved | $78.73 | $78.73 | 9/18/2009 8:40:07 PM |
| FL-Lender | $50.00 | $50.00 | 9/20/2009 10:21:01 PM |
| YummiBear | $25.00 | $25.00 | 9/21/2009 6:18:48 PM |
| Richmp412 | $44.77 | $44.77 | 9/22/2009 6:54:16 AM |
| revenue-glider9 | $25.00 | $25.00 | 9/22/2009 8:16:55 AM |
| GrossBuddha | $25.00 | $25.00 | 9/22/2009 9:12:11 AM |
| 193 bids
|
Borrower Payment Dependent Notes Series
423391
This series of Notes was issued and sold upon the funding of the borrower loan #38753, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,400.00 |
Prosper Rating:
| D |
Auction start date:
| Sep-08-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-22-2009 |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $98.47 |
|
Final lender yield:
| 17.10% |
Final borrower rate/APR:
| 18.10% / 20.31% |
Final monthly payment:
| $86.89 |
| |
|
Auction yield range:
| 11.18% - 26.38% |
Estimated loss impact:
| 10.40% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.70% | | |
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:
| 8% |
|
Credit score:
| 660-680 (Sep-2009) |
Current / open credit lines:
| 16
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,845 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 97% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| ZiggySD |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 33 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 0
( 0% )
| 560-580
(Nov-2007)
600-620
(Nov-2006)
|
|
Principal balance:
| $416.95 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Credit Card Consolidation
I am looking for a loan to pay off my high interest credit card debt . In particular, I have 2 credit cards with a combined balance of $2400 with an average rate of 28%.
I have an existing Prosper loan that I will be paid off in November of this year. I have never missed or been late on my loan. Since obtaining my first Prosper loan, my credit rating has increased dramatically. All derogatory items on my credit report are from more than 4 years ago and I am now in much better financial shape.
My monthly net income is $4,789. My monthly expenses are as follows--
Mortgage: $ 1300
Property taxes: $500
Utilities: $ 200
Food: $ 400
Transportation: $ 180 (fuel, insurance)
Entertainment: $ 400
Cable/Phone/Internet: $ 130
Clothing: $ 80
Credit cards/loans: $ 600 (this amount includes all of my credit cards and my existing Prosper loan which will be paid off in 3 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:
Hi ZiggySD, Great job in paying off your first loan. That high of interest rate is difficult to pay off. Hopefully you will get bid down. Is your mortgage fixed or adjustable? - golffish2
A:
My mortgage is fixed at below 5%. This fixed rate is allowing me to predict my future budget much more accurately. I have no doubt that I will be able to pay this loan off as scheduled.
(Sep-09-2009)
Q:
Hi There,
Are you likely to undergo an significant life change with the next year that would significantly alter any information in your listing (marriage, divorce, return to school, bankruptcy, etc.)? Thanks and good luck. - CaribbeanBanker
A:
I do not have any significant changes planned.
(Sep-20-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| LarryNY | $25.00 | $25.00 | 9/16/2009 12:55:24 PM |
| surferracerskaterboy | $50.00 | $50.00 | 9/19/2009 1:08:01 AM |
| fatboy888 | $25.00 | $25.00 | 9/22/2009 5:55:10 AM |
| Leshan | $87.82 | $87.82 | 9/22/2009 7:37:38 AM |
| LendingHelper | $200.00 | $200.00 | 9/22/2009 10:26:28 AM |
| admirable-credit | $25.00 | $25.00 | 9/22/2009 10:27:16 AM |
| Hobson | $26.00 | $26.00 | 9/22/2009 12:02:02 PM |
| sparkybrneyes | $25.00 | $25.00 | 9/22/2009 2:27:58 PM |
| credit-missile | $50.00 | $50.00 | 9/22/2009 2:38:42 PM |
| MsTabbyKats | $25.00 | $25.00 | 9/22/2009 2:22:20 PM |
| cippy | $100.00 | $100.00 | 9/22/2009 4:48:26 PM |
| CA_Lender | $25.00 | $25.00 | 9/22/2009 3:23:37 PM |
| kinetic-social | $27.00 | $27.00 | 9/22/2009 3:38:28 PM |
| little_shark_J | $25.00 | $25.00 | 9/22/2009 4:47:46 PM |
| credit-missile | $100.00 | $100.00 | 9/22/2009 4:20:57 PM |
| LindaRicci | $25.00 | $25.00 | 9/13/2009 9:08:28 AM |
| Unitas4302 | $50.00 | $50.00 | 9/13/2009 4:57:28 PM |
| BankofBeth | $50.00 | $50.00 | 9/21/2009 8:24:13 PM |
| CoolPlexer | $25.00 | $25.00 | 9/21/2009 5:42:43 PM |
| golffish2 | $1,000.00 | $971.09 | 9/22/2009 9:07:30 AM |
| philly_eagles | $25.00 | $25.00 | 9/22/2009 10:33:59 AM |
| nurat | $33.34 | $33.34 | 9/22/2009 10:34:45 AM |
| lasalle123 | $53.75 | $53.75 | 9/22/2009 10:10:19 AM |
| Feyenoord | $50.00 | $50.00 | 9/22/2009 11:52:41 AM |
| DG2007 | $26.00 | $26.00 | 9/22/2009 12:07:13 PM |
| relentless-gain3 | $25.00 | $25.00 | 9/22/2009 4:00:01 PM |
| maga | $100.00 | $100.00 | 9/22/2009 2:31:54 PM |
| seineil | $50.00 | $50.00 | 9/22/2009 4:38:29 PM |
| BlueProteus | $25.00 | $25.00 | 9/22/2009 3:37:07 PM |
| uclalien | $50.00 | $50.00 | 9/22/2009 4:35:23 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/22/2009 4:51:55 PM |
| 31 bids
|
Borrower Payment Dependent Notes Series
423405
This series of Notes was issued and sold upon the funding of the borrower loan #38750, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,100.00 |
Prosper Rating:
| E |
Auction start date:
| Sep-10-2009 |
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction end date:
| Sep-24-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.76% |
Starting monthly payment:
| $49.76 |
|
Final lender yield:
| 21.00% |
Final borrower rate/APR:
| 22.00% / 25.47% |
Final monthly payment:
| $42.01 |
| |
|
Auction yield range:
| 14.18% - 34.00% |
Estimated loss impact:
| 15.64% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.36% | | |
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-1996 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 600-620 (Aug-2009) |
Current / open credit lines:
| 1
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 19 | Length of status: | 19y 9m |
|
Amount delinquent:
| $587 |
Revolving credit balance:
| $0 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 2 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Christine0721 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 600-620
(Jul-2009)
560-580
(Jan-2008)
|
|
Principal balance:
| $1,259.78 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Help Daughter with College Tuition
Purpose of loan:
This loan will be used to??purchase school books for my daughter
My financial situation:
I am a good candidate for this loan because? I have been employed with the same company for 19 years. i have always paid my bills as expected until the death of my husband and my daughters dad. After his death I had to file bankruptcy. All debt listed on my credit bureau was included in bankruptcy. My home was sold so the large loan listed in my credit bureau is paid in full. I have paid my current Prosper loan as agreed and my credit score has increased significantly. Also, my Bankruptcy will be paid off this November which is also paid as agreed.
Monthly net income: $ 2,556????
Monthly expenses: $
??Housing: $ 375.00????
??Insurance: $ 196.00
??Car expenses: $ 120.00
??Utilities: $ 240.00
??Phone, cable, internet: $ 135.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 0
??Other expenses: $ 125.00????
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| money-expert | $25.00 | $25.00 | 9/23/2009 6:21:28 AM |
| maga | $50.00 | $50.00 | 9/23/2009 12:11:28 PM |
| marwadi-62 | $50.00 | $50.00 | 9/23/2009 2:54:44 PM |
| pathcrx | $50.00 | $50.00 | 9/24/2009 5:48:09 AM |
| momoney2lend | $50.00 | $50.00 | 9/23/2009 8:07:04 PM |
| Trespass4 | $60.00 | $60.00 | 9/24/2009 5:02:22 AM |
| Bobusa | $25.00 | $25.00 | 9/24/2009 4:46:40 AM |
| GravityLab | $25.00 | $25.00 | 9/24/2009 12:37:21 PM |
| Student_Capital | $50.00 | $50.00 | 9/24/2009 2:24:32 PM |
| Rider | $25.00 | $25.00 | 9/24/2009 12:03:53 PM |
| Snoopylover | $25.00 | $25.00 | 9/24/2009 12:35:14 PM |
| Ray3486 | $25.00 | $25.00 | 9/24/2009 1:29:35 PM |
| oreyedoc | $50.00 | $50.00 | 9/24/2009 2:56:43 PM |
| Credit2Prosper | $25.00 | $25.00 | 9/18/2009 4:07:03 PM |
| aurorafinancial | $50.00 | $50.00 | 9/22/2009 10:22:47 AM |
| jsnryn | $25.00 | $25.00 | 9/23/2009 12:10:35 PM |
| zapquoc | $25.00 | $25.00 | 9/23/2009 6:56:35 PM |
| fireferd | $97.54 | $97.54 | 9/23/2009 8:48:08 PM |
| mclean_loaner | $50.00 | $50.00 | 9/23/2009 9:00:12 PM |
| VJ_Financial | $50.00 | $50.00 | 9/23/2009 9:30:30 PM |
| glazeddonuts | $25.00 | $25.00 | 9/23/2009 8:00:44 PM |
| Stingray8a | $25.00 | $25.00 | 9/23/2009 9:47:10 PM |
| TFAD72 | $25.00 | $25.00 | 9/24/2009 7:33:41 AM |
| Rancid | $26.88 | $26.88 | 9/24/2009 10:56:12 AM |
| ddimports | $25.00 | $25.00 | 9/24/2009 12:02:50 PM |
| DMKAssetManagement | $25.00 | $25.00 | 9/24/2009 2:39:13 PM |
| Wachocia | $25.00 | $25.00 | 9/24/2009 1:31:10 PM |
| jcw3rd | $25.00 | $25.00 | 9/24/2009 3:28:22 PM |
| efficient-bid2 | $25.00 | $5.58 | 9/24/2009 3:32:19 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/24/2009 4:12:19 PM |
| Engineer44 | $35.00 | $35.00 | 9/24/2009 4:13:50 PM |
| 31 bids
|
Borrower Payment Dependent Notes Series
423489
This series of Notes was issued and sold upon the funding of the borrower loan #38732, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-10-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-21-2009 |
|
|
Starting lender yield:
| 10.33% |
Starting borrower rate/APR:
| 11.33% / 13.45% |
Starting monthly payment:
| $131.58 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $129.63 |
| |
|
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:
| Dec-1991 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 740-760 (Sep-2009) |
Current / open credit lines:
| 13
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 33 | Length of status: | 9y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $21,265 |
Occupation: | Other |
|
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:
| 0 | | | | |
|
Screen name:
| asset-seagull |
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
Paying for College
Purpose of loan:
This loan will be used to help me move from being a dispatcher into another area of my career.
I've made mistakes, but have always payed back my loans.
I am a good candidate for this loan because I have steady income and am driven to better myself and my situation.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Sid-K | $50.00 | $50.00 | 9/10/2009 4:23:48 PM |
| bchen78875 | $50.00 | $50.00 | 9/10/2009 4:24:04 PM |
| gold-tsunami | $25.00 | $25.00 | 9/10/2009 4:24:45 PM |
| bid-wonder | $25.00 | $25.00 | 9/10/2009 4:25:03 PM |
| lagnisiruk | $25.00 | $25.00 | 9/10/2009 4:23:37 PM |
| seasportsguy | $25.00 | $25.00 | 9/10/2009 4:24:21 PM |
| personal-lender | $25.00 | $25.00 | 9/10/2009 4:24:42 PM |
| Halos2002 | $50.00 | $50.00 | 9/10/2009 4:26:29 PM |
| Cherrypicker06 | $25.00 | $25.00 | 9/10/2009 4:23:40 PM |
| don8ter | $60.00 | $60.00 | 9/10/2009 4:23:43 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/10/2009 4:24:10 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/10/2009 4:24:30 PM |
| five-star-justice | $36.00 | $36.00 | 9/10/2009 4:24:47 PM |
| noble-revenue | $100.00 | $100.00 | 9/10/2009 4:25:29 PM |
| impartial-deal | $25.00 | $25.00 | 9/10/2009 5:01:52 PM |
| Goodlender42 | $25.00 | $25.00 | 9/11/2009 4:39:29 AM |
| bazaar-tulip | $25.00 | $25.00 | 9/11/2009 3:10:54 PM |
| Syzygy | $25.00 | $25.00 | 9/11/2009 2:36:07 PM |
| MidnightBank | $25.00 | $25.00 | 9/11/2009 6:29:40 PM |
| compoundinterest | $50.00 | $50.00 | 9/12/2009 12:45:13 PM |
| jgar_O | $30.00 | $30.00 | 9/12/2009 6:44:35 AM |
| rose88 | $25.00 | $25.00 | 9/14/2009 7:27:37 AM |
| langdonx | $50.00 | $50.00 | 9/14/2009 7:01:42 AM |
| Artist_Blue | $25.00 | $25.00 | 9/14/2009 8:58:12 AM |
| dealarella | $25.00 | $25.00 | 9/14/2009 9:55:29 AM |
| ok | $25.00 | $25.00 | 9/14/2009 9:15:32 AM |
| szetowski | $25.00 | $25.00 | 9/14/2009 9:10:28 AM |
| goofy15975 | $25.00 | $25.00 | 9/14/2009 5:39:22 PM |
| snowman34 | $25.00 | $25.00 | 9/14/2009 7:02:43 PM |
| turbine5 | $40.00 | $40.00 | 9/15/2009 11:06:04 AM |
| top-impressive-dinero | $25.00 | $25.00 | 9/14/2009 11:56:49 PM |
| Avala | $25.00 | $25.00 | 9/15/2009 1:11:33 PM |
| LPSolutions | $25.00 | $25.00 | 9/15/2009 2:20:10 PM |
| Masterlender | $25.00 | $25.00 | 9/15/2009 4:26:57 PM |
| generous-at-heart | $25.00 | $25.00 | 9/15/2009 3:37:45 PM |
| MrDavid | $50.00 | $50.00 | 9/15/2009 5:12:05 PM |
| wormdc | $25.00 | $25.00 | 9/15/2009 10:00:05 PM |
| all_of_that_one | $25.00 | $25.00 | 9/15/2009 9:00:22 PM |
| LuckySF | $50.00 | $50.00 | 9/15/2009 11:06:25 PM |
| SkiNZ | $25.00 | $25.00 | 9/16/2009 9:30:46 AM |
| uncleegg | $25.00 | $25.00 | 9/16/2009 3:15:32 AM |
| totoro | $25.00 | $25.00 | 9/16/2009 6:11:24 AM |
| thedoctor | $25.00 | $25.00 | 9/16/2009 12:40:24 PM |
| pulmdoc | $50.00 | $50.00 | 9/16/2009 1:11:13 PM |
| Hokiemon | $27.88 | $27.88 | 9/16/2009 2:10:39 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 9/16/2009 2:37:08 PM |
| DrStaff | $25.00 | $25.00 | 9/16/2009 2:25:18 PM |
| museic1 | $25.00 | $25.00 | 9/16/2009 3:21:35 PM |
| WhiteGiant | $25.00 | $25.00 | 9/16/2009 3:30:14 PM |
| neenerman | $25.00 | $25.00 | 9/16/2009 12:15:56 PM |
| Moby | $50.00 | $50.00 | 9/16/2009 3:55:25 PM |
| MissionMicroFinance | $25.00 | $25.00 | 9/16/2009 2:01:11 PM |
| SKOAL | $25.00 | $25.00 | 9/16/2009 8:26:29 PM |
| hayhelp | $25.00 | $25.00 | 9/17/2009 12:35:28 AM |
| Lendomatic | $25.00 | $25.00 | 9/17/2009 3:45:16 AM |
| SnE | $25.00 | $25.00 | 9/17/2009 4:23:29 AM |
| tender-gold | $25.00 | $25.00 | 9/16/2009 4:47:38 PM |
| RJN | $25.00 | $25.00 | 9/16/2009 5:01:32 PM |
| JnL | $25.00 | $25.00 | 9/16/2009 7:27:26 PM |
| crenen139 | $25.00 | $25.00 | 9/16/2009 8:40:25 PM |
| lending-bear | $50.00 | $50.00 | 9/16/2009 9:16:06 PM |
| oldman1947 | $25.00 | $25.00 | 9/17/2009 4:08:49 AM |
| market-assembler | $50.00 | $50.00 | 9/18/2009 12:59:49 PM |
| mcabery | $119.00 | $119.00 | 9/20/2009 4:46:25 PM |
| little_shark_J | $25.00 | $25.00 | 9/20/2009 6:15:17 PM |
| cash-sensai2 | $25.00 | $25.00 | 9/10/2009 4:23:59 PM |
| wwwUniversal | $25.00 | $25.00 | 9/10/2009 4:15:56 PM |
| Coach2often | $50.00 | $50.00 | 9/10/2009 4:26:42 PM |
| Cai8899 | $25.00 | $25.00 | 9/10/2009 4:23:33 PM |
| honorable-yield | $50.00 | $50.00 | 9/10/2009 4:23:44 PM |
| skuba | $50.00 | $50.00 | 9/10/2009 4:23:56 PM |
| elasermd | $50.00 | $50.00 | 9/10/2009 4:24:18 PM |
| nuclearmoose | $25.00 | $25.00 | 9/10/2009 4:26:02 PM |
| yank918 | $25.00 | $25.00 | 9/10/2009 4:26:14 PM |
| DukSerduk | $25.00 | $25.00 | 9/10/2009 4:23:52 PM |
| testobsessed | $100.00 | $100.00 | 9/10/2009 4:24:14 PM |
| Kame | $25.00 | $25.00 | 9/10/2009 4:24:34 PM |
| LoanGiver | $25.00 | $25.00 | 9/10/2009 4:24:37 PM |
| rjleves | $25.00 | $25.00 | 9/10/2009 4:24:49 PM |
| crossborders | $25.00 | $25.00 | 9/10/2009 4:24:54 PM |
| mikeandcat | $50.00 | $50.00 | 9/10/2009 4:26:36 PM |
| Hogpilot | $25.00 | $25.00 | 9/10/2009 5:04:20 PM |
| gm93001 | $25.00 | $25.00 | 9/10/2009 5:35:07 PM |
| sas19 | $25.00 | $25.00 | 9/12/2009 10:04:57 AM |
| bowdish1 | $31.56 | $31.56 | 9/12/2009 7:59:32 PM |
| kinetic-diversification | $25.00 | $25.00 | 9/13/2009 1:05:46 PM |
| buckyhead2000 | $25.00 | $25.00 | 9/14/2009 7:41:58 AM |
| engaging-worth | $30.00 | $30.00 | 9/14/2009 9:37:04 AM |
| RICHMONDREB | $25.00 | $25.00 | 9/14/2009 2:20:36 PM |
| bid-papyrus | $50.00 | $50.00 | 9/14/2009 7:01:52 PM |
| CPAMAN | $25.00 | $25.00 | 9/14/2009 5:50:57 PM |
| blackstar | $25.00 | $25.00 | 9/14/2009 7:11:58 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/14/2009 7:53:22 PM |
| PatRichi | $25.00 | $25.00 | 9/15/2009 11:41:27 AM |
| best-platinum-persimmon | $50.00 | $50.00 | 9/15/2009 3:30:35 PM |
| pbeach05 | $25.00 | $25.00 | 9/15/2009 5:25:54 PM |
| kenyonhillbilly | $26.65 | $26.65 | 9/15/2009 9:41:32 PM |
| credit-coach118 | $25.00 | $25.00 | 9/15/2009 11:20:09 PM |
| practice44 | $25.00 | $25.00 | 9/16/2009 6:12:30 AM |
| degster | $25.00 | $25.00 | 9/16/2009 8:45:39 AM |
| asya | $29.00 | $29.00 | 9/16/2009 12:08:19 PM |
| chief_wo | $25.00 | $25.00 | 9/16/2009 12:08:32 PM |
| ebgb234 | $25.00 | $25.00 | 9/16/2009 12:16:43 PM |
| coin-lender77 | $25.00 | $25.00 | 9/16/2009 1:17:57 PM |
| TK4 | $25.00 | $25.00 | 9/16/2009 1:30:29 PM |
| cutter21 | $50.00 | $50.00 | 9/16/2009 11:54:09 AM |
| fsa3 | $25.00 | $25.00 | 9/16/2009 3:21:57 PM |
| CorporateT00l | $25.00 | $25.00 | 9/16/2009 12:31:52 PM |
| JJS180 | $25.00 | $25.00 | 9/16/2009 12:49:42 PM |
| BigLinCT | $50.00 | $50.00 | 9/16/2009 5:20:24 PM |
| flexiboy35 | $25.00 | $25.00 | 9/16/2009 5:35:18 PM |
| Dreams4Cash | $25.00 | $25.00 | 9/16/2009 8:12:29 PM |
| bmbanzai | $25.00 | $25.00 | 9/16/2009 8:15:12 PM |
| pubnat | $25.00 | $25.00 | 9/16/2009 8:20:32 PM |
| djs81 | $25.00 | $25.00 | 9/16/2009 9:15:58 PM |
| jt88 | $25.00 | $25.00 | 9/17/2009 2:00:06 AM |
| ritchie70 | $25.00 | $25.00 | 9/16/2009 4:46:48 PM |
| linklady | $50.00 | $50.00 | 9/16/2009 5:01:36 PM |
| screenname03 | $25.00 | $25.00 | 9/16/2009 5:16:06 PM |
| Turkish101 | $25.00 | $15.85 | 9/17/2009 7:16:19 AM |
| ClearLake | $25.00 | $25.00 | 9/16/2009 9:00:09 PM |
| rce1964 | $25.00 | $25.00 | 9/18/2009 2:55:49 PM |
| jetblack | $29.06 | $29.06 | 9/20/2009 4:42:12 PM |
| 123 bids
|
Borrower Payment Dependent Notes Series
423777
This series of Notes was issued and sold upon the funding of the borrower loan #38725, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Sep-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Sep-28-2009 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.90% |
Starting monthly payment:
| $39.76 |
|
Final lender yield:
| 14.28% |
Final borrower rate/APR:
| 15.28% / 18.96% |
Final monthly payment:
| $34.80 |
| |
|
Auction yield range:
| 8.18% - 24.00% |
Estimated loss impact:
| 6.82% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.46% | | |
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:
| Oct-1998 |
Debt/Income ratio:
| 84% |
|
Credit score:
| 660-680 (Sep-2009) |
Current / open credit lines:
| 12
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $62,094 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 95% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| jasjeje |
Borrower's state:
| Ohio |
Borrower's group:
| Veteran Financial |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business debt consolidation
Purpose of loan:
Debt Consolidation
My financial situation:
Perfect payment history for decades.
I'm a successful business owner, Air Force veteran, real estate investor, and I've been happily married for 23 years with a loving family.
My current job as an accounting supervisor for the world's largest accounting service is secure, unless the current administration drastically cuts the defense budget.
My wife is now a registered nurse (since Aug 2009) and our income will surely double once she gets a job, which should be any day now.
Monthly net income: $ 6,000 (expected to be $10,000\month in late Sept 2009)
Monthly expenses: $ 5,000
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:
Can you give us an idea on the 60+K in revolving debt you have and what this 1000 dollars will go towards?
thanks and good luck - Hawkeyebank
A:
That's a fair and reasonable question. A year ago, my son lost his job and we assumed his $15k in debt to protect his credit. We own Amazon Transport LLC which carried $30k in expenses and the remaining $15k is normal household purchases. Please note that in spite of our debt, we've always managed to pay our creditors on time and as required. The $1,000 loan request will serve a dual purpose: 1) See how well Prosper works (or doesn't). and 2) Repay my mother-in-law :)
(Sep-24-2009)
Q:
If you have been married 23 years how come you have only opened your first credit line in 1998? - drjekyllus
A:
Because of a major, life-changing, financial event that occurred in 1991, just after I separated from the Air Force.
(Sep-25-2009)
Q:
What event will change you net to 10k/month? Thanks. - cybercop45
A:
My wife is a Registered Nurse. Employers are already asking her to come in. Once she's hired, our income will double. Thanks for bidding.
(Sep-25-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| KlarthXVII | $25.00 | $25.00 | 9/19/2009 6:47:44 AM |
| srthsvghdthtr | $25.00 | $25.00 | 9/25/2009 12:33:46 PM |
| admirable-credit | $25.00 | $25.00 | 9/25/2009 4:07:39 PM |
| wizard750 | $50.00 | $50.00 | 9/26/2009 12:44:50 PM |
| Smallbear | $50.00 | $50.00 | 9/27/2009 12:35:48 PM |
| steveinflorida | $25.00 | $25.00 | 9/27/2009 1:01:59 PM |
| Tecmo | $26.12 | $26.12 | 9/27/2009 7:31:59 PM |
| BlessedEveryDay | $25.00 | $25.00 | 9/28/2009 5:42:19 AM |
| Rip128 | $50.00 | $50.00 | 9/28/2009 2:29:27 PM |
| little_shark_J | $25.00 | $25.00 | 9/28/2009 4:02:45 PM |
| payout-comet | $25.00 | $25.00 | 9/28/2009 12:13:25 PM |
| Leshan | $44.81 | $44.81 | 9/28/2009 12:19:10 PM |
| mmeyer_jr | $25.00 | $25.00 | 9/28/2009 2:45:56 PM |
| classiccitizen | $25.00 | $25.00 | 9/28/2009 4:05:43 PM |
| jsnryn | $25.00 | $25.00 | 9/24/2009 7:29:21 AM |
| smyserj002 | $120.00 | $120.00 | 9/25/2009 11:15:52 AM |
| ezvest | $36.97 | $36.97 | 9/25/2009 9:12:22 PM |
| drb4ever | $26.42 | $26.42 | 9/25/2009 6:03:57 PM |
| kendigme | $25.00 | $25.00 | 9/28/2009 3:02:30 AM |
| jcw3rd | $25.00 | $25.00 | 9/28/2009 11:21:09 AM |
| FL-Lender | $25.00 | $25.00 | 9/28/2009 4:02:53 PM |
| dorypro | $25.00 | $25.00 | 9/28/2009 11:37:55 AM |
| Wachocia | $25.00 | $25.00 | 9/28/2009 4:03:23 PM |
| generous-deal6 | $50.00 | $50.00 | 9/28/2009 1:10:10 PM |
| OtownLender | $50.00 | $50.00 | 9/28/2009 2:50:15 PM |
| porwestco | $25.00 | $25.00 | 9/28/2009 3:31:49 PM |
| Clicktogetmoney | $30.00 | $30.00 | 9/28/2009 3:26:18 PM |
| FL-Lender | $25.00 | $25.00 | 9/28/2009 3:44:15 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/28/2009 4:06:06 PM |
| Engineer44 | $40.00 | $15.68 | 9/28/2009 4:06:32 PM |
| 30 bids
|
Borrower Payment Dependent Notes Series
423997
This series of Notes was issued and sold upon the funding of the borrower loan #38713, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-20-2009 |
|
|
Starting lender yield:
| 10.33% |
Starting borrower rate/APR:
| 11.33% / 13.45% |
Starting monthly payment:
| $115.13 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $113.43 |
| |
|
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:
| 8 |
First credit line:
| Jul-2003 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 780-800 (Sep-2009) |
Current / open credit lines:
| 3
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 12 | Length of status: | 9y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| friendly-capital0 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Screen Porch Addition
Purpose of loan:
This loan will be used to?add a screen porch to our home. We live in Minnesota and get bombarded by mosquitoes and other bugs constantly, so this will give us a great retreat in our backyard. Plus since it will be built by a family friend, we are only paying 1/4 of the normal cost, so it will also add substantial value to the home as well.
My financial situation: is excellent! Both my wife and I will be the borrowers on this loan. We have a gross household income of $63,000/yr, or $5250/month (though I can only include my income in the loan application...only because Prosper will not let us apply for the loan together...). My wife and I work very hard to maintain extremely low debt levels. We do not have car payments, our credit card is paid in full every month and our mortgage is very small. We only have a couple of student loans as debt and the total monthly payments on those loans (for my wife and I combined) is $296/month (just under $17,000).
I am a good candidate for this loan because?My wife and I are very disciplined and strong advocates of budgets (our family budget is a 14-page Excel workbook). Your investment will be made good. Thank you for helping!!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| turbospeed | $25.00 | $25.00 | 9/14/2009 4:47:53 PM |
| Cai8899 | $25.00 | $25.00 | 9/14/2009 5:10:15 PM |
| lagnisiruk | $25.00 | $25.00 | 9/14/2009 5:10:48 PM |
| Cherrypicker06 | $25.00 | $25.00 | 9/14/2009 5:11:00 PM |
| don8ter | $60.00 | $60.00 | 9/14/2009 5:11:13 PM |
| honorable-yield | $50.00 | $50.00 | 9/14/2009 5:11:47 PM |
| rjleves | $25.00 | $25.00 | 9/14/2009 5:17:45 PM |
| Kame | $25.00 | $25.00 | 9/14/2009 5:15:53 PM |
| LoanGiver | $25.00 | $25.00 | 9/14/2009 5:16:07 PM |
| gold-tsunami | $25.00 | $25.00 | 9/14/2009 5:16:54 PM |
| Halos2002 | $50.00 | $50.00 | 9/14/2009 5:20:03 PM |
| mikeandcat | $50.00 | $50.00 | 9/14/2009 5:20:37 PM |
| Goodlender42 | $25.00 | $25.00 | 9/14/2009 5:27:16 PM |
| kinetic-diversification | $50.00 | $50.00 | 9/14/2009 5:34:09 PM |
| bchen78875 | $50.00 | $50.00 | 9/14/2009 5:13:24 PM |
| testobsessed | $100.00 | $100.00 | 9/14/2009 5:14:04 PM |
| seasportsguy | $25.00 | $25.00 | 9/14/2009 5:14:30 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/14/2009 5:15:32 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 9/14/2009 6:32:08 PM |
| Hogpilot | $25.00 | $25.00 | 9/14/2009 5:28:56 PM |
| gm93001 | $25.00 | $25.00 | 9/14/2009 7:10:42 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/14/2009 7:45:35 PM |
| zento | $25.00 | $25.00 | 9/14/2009 7:45:57 PM |
| stonesculptor | $100.00 | $100.00 | 9/15/2009 11:44:00 AM |
| larken | $25.00 | $25.00 | 9/15/2009 3:15:15 PM |
| fairmaiden | $50.00 | $50.00 | 9/15/2009 12:49:02 PM |
| shneb | $100.00 | $100.00 | 9/15/2009 4:14:49 PM |
| skajake | $25.00 | $25.00 | 9/15/2009 5:56:28 PM |
| matthewrburk | $100.00 | $100.00 | 9/16/2009 7:46:11 AM |
| dn0pes | $25.00 | $25.00 | 9/16/2009 9:37:23 AM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/16/2009 10:48:20 AM |
| djmjkelso | $25.00 | $25.00 | 9/16/2009 11:45:06 AM |
| StrongMonty | $28.41 | $28.41 | 9/16/2009 2:09:41 PM |
| fsa3 | $25.00 | $25.00 | 9/16/2009 3:22:05 PM |
| plbquic | $50.00 | $50.00 | 9/16/2009 12:27:35 PM |
| worth-matador | $50.00 | $50.00 | 9/16/2009 12:39:25 PM |
| bowdish1 | $50.00 | $50.00 | 9/16/2009 1:17:49 PM |
| westermannk | $50.00 | $50.00 | 9/16/2009 10:44:31 PM |
| bansir | $25.00 | $25.00 | 9/16/2009 4:46:14 PM |
| interstellar | $50.00 | $50.00 | 9/17/2009 4:39:44 PM |
| marwadi-62 | $100.00 | $100.00 | 9/17/2009 6:53:18 PM |
| StarFundingSource | $25.00 | $25.00 | 9/18/2009 7:32:39 AM |
| funds-promiser | $50.00 | $50.00 | 9/18/2009 8:01:10 AM |
| dreamhope | $25.00 | $25.00 | 9/18/2009 9:14:52 AM |
| LoanDMC | $25.00 | $25.00 | 9/18/2009 3:26:38 PM |
| market-assembler | $46.14 | $46.14 | 9/18/2009 8:23:00 PM |
| oldman1947 | $25.00 | $25.00 | 9/19/2009 12:23:36 PM |
| newest-asset-smasher | $50.00 | $50.00 | 9/19/2009 6:19:48 PM |
| little_shark_J | $25.00 | $25.00 | 9/19/2009 11:32:54 PM |
| dman1024 | $25.00 | $25.00 | 9/20/2009 5:30:22 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/14/2009 5:00:42 PM |
| Syzygy | $25.00 | $25.00 | 9/14/2009 4:54:07 PM |
| personal-lender | $25.00 | $25.00 | 9/14/2009 5:16:39 PM |
| five-star-justice | $36.00 | $36.00 | 9/14/2009 5:17:27 PM |
| greenback-floret | $25.00 | $25.00 | 9/14/2009 5:19:39 PM |
| Sid-K | $50.00 | $50.00 | 9/14/2009 5:12:19 PM |
| skuba | $50.00 | $50.00 | 9/14/2009 5:12:49 PM |
| cash-sensai2 | $25.00 | $25.00 | 9/14/2009 5:13:10 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/14/2009 5:13:37 PM |
| elasermd | $50.00 | $50.00 | 9/14/2009 5:14:17 PM |
| MidnightBank | $25.00 | $25.00 | 9/14/2009 5:26:57 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/14/2009 5:19:33 PM |
| langdonx | $50.00 | $50.00 | 9/14/2009 5:39:54 PM |
| compoundinterest | $50.00 | $50.00 | 9/14/2009 5:31:32 PM |
| DukSerduk | $25.00 | $25.00 | 9/14/2009 5:12:32 PM |
| engaging-worth | $30.00 | $30.00 | 9/14/2009 5:42:46 PM |
| crossborders | $25.00 | $25.00 | 9/14/2009 5:18:35 PM |
| nuclearmoose | $25.00 | $25.00 | 9/14/2009 5:19:27 PM |
| yank918 | $25.00 | $25.00 | 9/14/2009 5:22:58 PM |
| sas19 | $25.00 | $25.00 | 9/14/2009 5:29:31 PM |
| rose88 | $25.00 | $25.00 | 9/14/2009 5:40:19 PM |
| snowman34 | $25.00 | $25.00 | 9/14/2009 7:03:03 PM |
| brocilybeef | $25.00 | $25.00 | 9/14/2009 7:09:41 PM |
| assetmanager | $25.00 | $25.00 | 9/14/2009 7:31:25 PM |
| turbine5 | $40.00 | $40.00 | 9/15/2009 11:06:12 AM |
| Coach2often | $50.00 | $50.00 | 9/15/2009 4:48:56 PM |
| bid-papyrus | $50.00 | $50.00 | 9/15/2009 5:16:03 PM |
| impartial-deal | $25.00 | $25.00 | 9/15/2009 5:16:28 PM |
| goofy15975 | $25.00 | $25.00 | 9/16/2009 6:35:34 AM |
| degster | $25.00 | $25.00 | 9/16/2009 8:45:58 AM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/15/2009 7:16:32 PM |
| buckyhead2000 | $25.00 | $25.00 | 9/16/2009 11:35:20 AM |
| kenyonhillbilly | $25.00 | $25.00 | 9/16/2009 12:03:32 PM |
| bid-wonder | $25.00 | $25.00 | 9/16/2009 8:00:53 AM |
| Moby | $50.00 | $1.35 | 9/16/2009 3:55:32 PM |
| top-impressive-dinero | $25.00 | $25.00 | 9/16/2009 2:10:36 PM |
| ujiba | $25.00 | $25.00 | 9/16/2009 6:05:40 PM |
| GoGators01 | $25.00 | $25.00 | 9/16/2009 7:50:05 PM |
| Chosen-one | $33.10 | $33.10 | 9/16/2009 11:52:51 PM |
| gojackgo | $50.00 | $50.00 | 9/18/2009 1:54:03 PM |
| mattbly | $25.00 | $25.00 | 9/18/2009 3:59:56 PM |
| unequivocal-velocity | $25.00 | $25.00 | 9/18/2009 7:20:49 PM |
| bordersguy | $50.00 | $50.00 | 9/20/2009 5:11:52 AM |
| Trondheim_Norway | $100.00 | $100.00 | 9/20/2009 2:35:40 PM |
| 94 bids
|
Borrower Payment Dependent Notes Series
424243
This series of Notes was issued and sold upon the funding of the borrower loan #38747, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-15-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-29-2009 |
|
|
Starting lender yield:
| 11.02% |
Starting borrower rate/APR:
| 12.02% / 15.63% |
Starting monthly payment:
| $33.22 |
|
Final lender yield:
| 7.20% |
Final borrower rate/APR:
| 8.20% / 11.72% |
Final monthly payment:
| $31.43 |
| |
|
Auction yield range:
| 4.18% - 11.02% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.09% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| May-2000 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-780 (Sep-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,250 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 26% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 6 | | | | |
|
Screen name:
| dudebrah |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
1st loan! To reinvest in Prosper
Purpose of loan:
This loan will be used to reinvest in Prosper and establish my credit on prosper. This will be the first of many loans to come. I will be paying this loan off very quick so the next loans will be cheaper>?
My financial situation:
I am a good candidate for this loan because I don't need this loan. I make over 5k a month and have about 3k in bills. I'm currently being very aggressive about paying CC debt. And that is were most of the extra 2k goes towards
Information in the Description is not verified.
Friends And Family Winning Bids
boogienation has bid a total of
$250.00 in winning bids.
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Why does your posting say you make 5k a month but your yearly income is less than 50k / year? That would be at gross around 4k per month. Do you have undisclosed income? - proper-investment8
A:
yes i do! I currently have a couple side jobs that net me 1-2k extra a month. Plus im 1099 so my income is always less that it is, meaning i write a lot of stuff off. So if prosper was to look at my taxes, lets say, it will show a lower income that i actually make.
(Sep-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| BAEVentures | $25.00 | $25.00 | 9/17/2009 5:31:58 AM |
| rsigroup3 | $50.00 | $50.00 | 9/25/2009 4:25:25 PM |
| stageactor | $25.00 | $25.00 | 9/27/2009 4:57:30 PM |
| loanman2007 | $50.00 | $50.00 | 9/28/2009 5:19:13 AM |
| rcs2003 | $67.32 | $67.32 | 9/29/2009 12:05:47 AM |
| ansky127 | $25.91 | $25.91 | 9/29/2009 10:03:39 AM |
| kanyonkat | $25.00 | $25.00 | 9/29/2009 10:36:32 AM |
| quiggles | $25.00 | $25.00 | 9/29/2009 8:46:16 AM |
| elitedarkness | $414.10 | $239.39 | 9/29/2009 8:34:36 AM |
| Chuck54 | $25.00 | $25.00 | 9/29/2009 9:18:12 AM |
| Loansforyou | $25.00 | $25.00 | 9/29/2009 10:25:42 AM |
| boogienation | $50.00 | $50.00 | 9/16/2009 4:50:55 PM |
| boogienation | $200.00 | $200.00 | 9/21/2009 1:29:28 PM |
| zzztimbo | $42.38 | $42.38 | 9/26/2009 8:28:08 AM |
| JerryB96 | $25.00 | $25.00 | 9/26/2009 9:24:33 PM |
| suzanny | $25.00 | $25.00 | 9/28/2009 4:38:44 PM |
| little_shark_J | $50.00 | $50.00 | 9/29/2009 10:00:04 AM |
| glenium | $25.00 | $25.00 | 9/29/2009 10:19:34 AM |
| 18 bids
|
Borrower Payment Dependent Notes Series
424289
This series of Notes was issued and sold upon the funding of the borrower loan #38756, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-28-2009 |
|
|
Starting lender yield:
| 17.50% |
Starting borrower rate/APR:
| 18.50% / 20.72% |
Starting monthly payment:
| $163.82 |
|
Final lender yield:
| 12.58% |
Final borrower rate/APR:
| 13.58% / 15.73% |
Final monthly payment:
| $152.88 |
| |
|
Auction yield range:
| 4.18% - 17.50% |
Estimated loss impact:
| 2.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.43% | | |
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:
| 9 |
First credit line:
| Sep-1990 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 19
/
17 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 36 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $66,172 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 76% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| generosity-excellence294 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Treasures in heaven
Purpose of loan:
We have a new house and I want to put in a lawn and small patio in my backyard.
My financial situation:
I
am a good candidate for this loan because I have a stable high income
position with a small company in a stable and growing niche and also do
referral consulting on the side for extra funds. I have debt but, I'm paying it off and it will be paid off
within 3-5 years (I pay 2500 a month towards principle not including car or house). Some of my
debt was acquired caring for my youngest daughter who died recently
from congenital heart disease. We traveled across the country for the
best care and we cherish all the moments we had with her. She will
always be in our hearts and while she is in heaven now, my family and I
look forward to seeing her again one day.
I prefer not to use
credit cards anymore and want to use a fixed loan with a fixed payment
and keep paying down my debt as fast as possible.
Budget:
Monthly Salary $13,750
My portion of house payment P&I $1261 (30 year fixed)
Car payment $715 (wife owns her car outright)
Food/Expenses $2000
Debt payments $3100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Halos2002 | $50.00 | $50.00 | 9/14/2009 4:46:38 PM |
| Mookouw | $25.00 | $23.54 | 9/14/2009 4:32:40 PM |
| greeninspirit | $25.00 | $25.00 | 9/14/2009 4:46:07 PM |
| M_V | $100.00 | $100.00 | 9/14/2009 7:01:47 PM |
| CaptainLender | $25.00 | $25.00 | 9/15/2009 4:20:05 PM |
| BankOfShaun | $25.00 | $25.00 | 9/15/2009 6:11:57 PM |
| Syzygy | $25.00 | $25.00 | 9/16/2009 4:04:25 PM |
| puyanera | $25.00 | $25.00 | 9/16/2009 12:32:41 PM |
| building_community | $25.00 | $25.00 | 9/20/2009 5:31:48 PM |
| jonn834 | $50.00 | $50.00 | 9/20/2009 5:31:53 PM |
| RadCad1 | $50.00 | $50.00 | 9/21/2009 1:44:12 PM |
| PR05P3RToday | $25.00 | $25.00 | 9/21/2009 5:40:26 PM |
| sshgfwb | $25.00 | $25.00 | 9/22/2009 11:47:26 AM |
| pitashi | $25.00 | $25.00 | 9/22/2009 11:57:47 AM |
| LesPaul1 | $25.00 | $25.00 | 9/22/2009 5:04:33 PM |
| rce1964 | $25.00 | $25.00 | 9/22/2009 5:07:51 PM |
| sfgiantsfn | $25.00 | $25.00 | 9/22/2009 10:54:40 PM |
| ONECENTATATIME | $50.00 | $50.00 | 9/23/2009 4:55:13 AM |
| buffalobills | $25.00 | $25.00 | 9/23/2009 8:11:23 AM |
| EJO | $25.00 | $25.00 | 9/23/2009 11:06:56 AM |
| affluence-tulip | $67.13 | $67.13 | 9/23/2009 6:22:04 PM |
| lm75 | $25.00 | $25.00 | 9/24/2009 8:35:14 AM |
| jetblack | $33.52 | $33.52 | 9/24/2009 1:47:25 PM |
| liberty-equilibrium | $90.00 | $90.00 | 9/24/2009 4:53:49 PM |
| fulfilling-commitment | $50.00 | $50.00 | 9/24/2009 4:03:30 PM |
| marshallmanhattan | $25.00 | $25.00 | 9/24/2009 6:46:59 PM |
| Trinkaloki | $42.82 | $42.82 | 9/25/2009 10:28:29 AM |
| dlg | $25.50 | $25.50 | 9/25/2009 2:28:38 PM |
| Rip128 | $50.00 | $50.00 | 9/25/2009 4:23:48 PM |
| RandyL3 | $25.00 | $25.00 | 9/25/2009 5:11:20 PM |
| tomjac2000 | $25.00 | $25.00 | 9/26/2009 10:50:17 AM |
| oldman68 | $25.00 | $25.00 | 9/26/2009 7:59:21 PM |
| buckskin1234 | $68.55 | $68.55 | 9/27/2009 12:33:09 PM |
| plbquic | $25.00 | $25.00 | 9/26/2009 7:03:52 PM |
| _SCI_ | $25.00 | $25.00 | 9/27/2009 5:47:12 PM |
| gothampark | $25.00 | $25.00 | 9/27/2009 9:55:58 PM |
| principal-mermaid | $25.00 | $25.00 | 9/27/2009 8:22:13 AM |
| cassperr | $50.00 | $50.00 | 9/27/2009 12:03:33 PM |
| LtKen717 | $25.00 | $25.00 | 9/28/2009 2:15:40 AM |
| sbv1689 | $25.00 | $25.00 | 9/28/2009 6:48:44 AM |
| aasx1108 | $25.00 | $25.00 | 9/28/2009 8:17:15 AM |
| shortblondemark | $25.00 | $25.00 | 9/28/2009 8:36:50 AM |
| Chrishu | $25.00 | $25.00 | 9/28/2009 10:12:03 AM |
| IP | $26.71 | $26.71 | 9/28/2009 3:10:08 PM |
| momentous-transaction8 | $100.00 | $100.00 | 9/28/2009 3:36:22 PM |
| enthralling-compassion | $25.00 | $25.00 | 9/28/2009 1:41:32 PM |
| rockhound84 | $25.00 | $25.00 | 9/28/2009 1:48:47 PM |
| njmlaj726 | $25.00 | $25.00 | 9/28/2009 1:58:10 PM |
| FL-Lender | $25.00 | $25.00 | 9/28/2009 1:58:37 PM |
| j352000 | $25.00 | $25.00 | 9/28/2009 4:07:51 PM |
| bhargapa | $200.00 | $200.00 | 9/28/2009 4:27:04 PM |
| bhargapa | $100.00 | $100.00 | 9/28/2009 4:27:21 PM |
| gold-cluster | $50.00 | $50.00 | 9/28/2009 4:24:07 PM |
| Kyileo | $50.00 | $50.00 | 9/28/2009 4:26:35 PM |
| coolgenner | $48.51 | $48.51 | 9/28/2009 4:26:40 PM |
| here2lend | $25.00 | $25.00 | 9/14/2009 4:45:54 PM |
| shag2 | $25.00 | $25.00 | 9/14/2009 4:31:09 PM |
| investorrr | $25.00 | $25.00 | 9/14/2009 4:54:30 PM |
| wwwUniversal | $50.00 | $50.00 | 9/14/2009 4:51:31 PM |
| RSV | $25.00 | $25.00 | 9/16/2009 1:44:21 PM |
| NJournalist | $25.00 | $25.00 | 9/16/2009 1:52:21 PM |
| merlin981 | $50.00 | $50.00 | 9/18/2009 4:50:44 PM |
| FjLenders | $50.03 | $50.03 | 9/20/2009 5:31:52 PM |
| massuot | $25.00 | $25.00 | 9/22/2009 5:24:32 AM |
| buphigam | $25.00 | $25.00 | 9/22/2009 10:00:07 AM |
| minista | $25.00 | $25.00 | 9/22/2009 1:38:14 PM |
| sentry256 | $25.00 | $25.00 | 9/23/2009 7:08:15 AM |
| CornerKetch | $25.00 | $25.00 | 9/23/2009 11:32:24 AM |
| bid-wonder | $25.00 | $25.00 | 9/23/2009 6:22:17 PM |
| miket71 | $37.44 | $37.44 | 9/24/2009 6:37:05 AM |
| ArmyGuy | $25.00 | $25.00 | 9/24/2009 7:09:40 AM |
| PalmTreeIsland | $50.00 | $50.00 | 9/24/2009 4:36:35 PM |
| outofoffice | $75.00 | $75.00 | 9/24/2009 8:07:27 PM |
| hellasow | $25.00 | $25.00 | 9/24/2009 9:30:09 PM |
| Johnab | $55.00 | $55.00 | 9/25/2009 9:09:16 AM |
| iolaire | $50.00 | $50.00 | 9/25/2009 9:06:04 AM |
| scredneck | $29.93 | $29.93 | 9/25/2009 2:13:26 PM |
| ManhattanLender | $25.00 | $25.00 | 9/25/2009 4:07:33 PM |
| Washington_Loan | $25.00 | $25.00 | 9/25/2009 9:37:01 PM |
| mcabery | $100.00 | $100.00 | 9/25/2009 5:21:46 PM |
| ShermanSteve | $50.00 | $50.00 | 9/26/2009 8:53:23 AM |
| RiskAdverse | $25.00 | $25.00 | 9/25/2009 7:21:42 PM |
| credit-coach118 | $25.00 | $25.00 | 9/25/2009 8:21:32 PM |
| gustavholstopus32 | $38.22 | $38.22 | 9/26/2009 4:27:04 AM |
| all4beans | $25.00 | $25.00 | 9/26/2009 8:16:54 AM |
| JerryB96 | $25.00 | $25.00 | 9/26/2009 9:21:26 PM |
| szasza | $50.00 | $50.00 | 9/26/2009 10:24:38 AM |
| szasza | $50.00 | $50.00 | 9/26/2009 10:23:38 AM |
| cwb8539 | $26.15 | $26.15 | 9/26/2009 5:48:30 PM |
| Wachocia | $25.00 | $25.00 | 9/26/2009 9:21:40 PM |
| flshdaskll | $25.00 | $25.00 | 9/27/2009 4:56:36 PM |
| gain-dolphin | $25.00 | $25.00 | 9/27/2009 9:10:44 PM |
| sharp-credit | $224.48 | $224.48 | 9/28/2009 10:36:32 AM |
| wadkuzma | $30.30 | $30.30 | 9/28/2009 10:38:27 AM |
| JTHarris | $50.00 | $50.00 | 9/28/2009 5:18:09 AM |
| raindawg | $50.00 | $50.00 | 9/28/2009 12:20:07 PM |
| ratzlefrss | $50.00 | $50.00 | 9/28/2009 9:35:26 AM |
| ratzlefrss | $50.00 | $50.00 | 9/28/2009 9:37:02 AM |
| jojnax | $30.00 | $30.00 | 9/28/2009 2:28:28 PM |
| blot44 | $25.00 | $25.00 | 9/28/2009 10:04:08 AM |
| beakerfish | $31.35 | $31.35 | 9/28/2009 11:52:24 AM |
| danhintampa | $50.00 | $50.00 | 9/28/2009 4:10:01 PM |
| mansim | $45.82 | $45.82 | 9/28/2009 1:32:42 PM |
| usedtoborrow | $100.00 | $100.00 | 9/28/2009 3:19:32 PM |
| bhargapa | $50.00 | $50.00 | 9/28/2009 4:27:35 PM |
| bhargapa | $50.00 | $50.00 | 9/28/2009 4:27:54 PM |
| dorypro | $25.00 | $25.00 | 9/28/2009 4:20:42 PM |
| SnE | $25.00 | $25.00 | 9/28/2009 4:22:10 PM |
| grammaspurse | $50.00 | $50.00 | 9/28/2009 4:26:28 PM |
| Savings_EQ_Dignity | $50.00 | $50.00 | 9/28/2009 4:26:38 PM |
| 110 bids
|
Borrower Payment Dependent Notes Series
424457
This series of Notes was issued and sold upon the funding of the borrower loan #38744, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,700.00 |
Prosper Rating:
| AA |
Auction start date:
| Sep-15-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-29-2009 |
|
|
Starting lender yield:
| 6.62% |
Starting borrower rate/APR:
| 7.62% / 7.96% |
Starting monthly payment:
| $84.14 |
|
Final lender yield:
| 6.20% |
Final borrower rate/APR:
| 7.20% / 9.27% |
Final monthly payment:
| $83.62 |
| |
|
Auction yield range:
| 3.18% - 6.62% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 760-780 (Aug-2009) |
Current / open credit lines:
| 14
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 56 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $18,016 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 34% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| shellstar |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 780-800
(Jul-2008)
|
|
Principal balance:
| $1,653.47 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Pay off Amex - Never Late
Let's see how low this interest rate can go!
The purpose of this loan is to pay off the one credit card I have that is not already at a fixed rate.? I would rather pay simple interest to the great people loaning on Prosper than?compound interest to Amex.? The current interest on this card is about 13% and all my other debt is less than 8% - so it is silly to be paying that high rate.
I have quite a bit in savings and a great income, but?I would rather take out this loan (if I can get a really good rate) than take from my savings because I think it is important to have some money put aside just in case.?? On the same note though, I would rather just pay this off if we can't bid this interest rate low enough...
I own my home and do not own a car (I don't need one in New York).? I have never been late on a payment.? I actively manage my money down to the cent, and I am extremely frugal (cheap really).?? So this is about as safe a bet as you can make.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| blot44 | $50.00 | $50.00 | 9/15/2009 11:45:27 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 9/18/2009 3:51:10 PM |
| hellasow | $30.00 | $30.00 | 9/18/2009 7:46:38 PM |
| letsbank | $25.00 | $25.00 | 9/22/2009 9:36:00 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/23/2009 12:46:18 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/23/2009 12:46:03 PM |
| gm93001 | $25.00 | $25.00 | 9/24/2009 6:13:14 AM |
| gold-cluster | $25.00 | $25.00 | 9/24/2009 6:16:49 AM |
| amit_gu | $50.00 | $50.00 | 9/24/2009 8:52:47 AM |
| GElender | $50.00 | $50.00 | 9/24/2009 8:57:11 AM |
| BlindProphet | $25.00 | $25.00 | 9/24/2009 11:55:52 AM |
| pawsitive | $25.00 | $25.00 | 9/24/2009 11:32:30 AM |
| MGOT-Ken | $25.00 | $25.00 | 9/24/2009 2:32:19 PM |
| rose88 | $25.00 | $25.00 | 9/24/2009 3:54:30 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/24/2009 3:49:19 PM |
| pulmdoc | $25.00 | $25.00 | 9/24/2009 3:49:25 PM |
| justice-dna | $25.00 | $25.00 | 9/24/2009 3:50:45 PM |
| turbine5 | $40.00 | $40.00 | 9/24/2009 6:23:52 PM |
| monstersdad | $50.00 | $50.00 | 9/24/2009 6:48:17 PM |
| Havana21 | $500.00 | $500.00 | 9/24/2009 10:10:04 PM |
| SchaeferJ | $25.00 | $25.00 | 9/24/2009 10:12:36 PM |
| bid-papyrus | $37.22 | $37.22 | 9/25/2009 9:03:50 AM |
| StarFundingSource | $25.00 | $25.00 | 9/25/2009 11:36:50 AM |
| generous-deal6 | $25.00 | $25.00 | 9/25/2009 12:31:39 PM |
| generous-deal6 | $50.00 | $50.00 | 9/25/2009 10:33:09 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/27/2009 12:51:16 PM |
| festeringsnot | $25.00 | $25.00 | 9/28/2009 1:47:42 AM |
| YummiBear | $25.00 | $25.00 | 9/28/2009 5:38:28 PM |
| Skulljocky | $50.00 | $50.00 | 9/28/2009 6:31:09 PM |
| subtle-interest | $25.00 | $25.00 | 9/28/2009 8:03:58 PM |
| wwwUniversal | $25.00 | $25.00 | 9/28/2009 5:49:19 PM |
| maccpro1 | $50.00 | $50.00 | 9/28/2009 8:10:31 PM |
| nerd2fly | $25.00 | $25.00 | 9/29/2009 10:51:55 AM |
| Sven79 | $100.00 | $100.00 | 9/29/2009 9:46:01 AM |
| LittleMingo | $25.00 | $25.00 | 9/15/2009 5:44:42 PM |
| greenback-floret | $25.00 | $25.00 | 9/23/2009 7:32:46 AM |
| swiftsoul | $25.00 | $25.00 | 9/23/2009 11:34:09 AM |
| CollinsCrew | $35.47 | $35.47 | 9/23/2009 12:10:16 PM |
| GatorBait | $50.00 | $50.00 | 9/23/2009 4:39:01 PM |
| MidnightBank | $25.00 | $25.00 | 9/23/2009 4:32:45 PM |
| Kame | $25.00 | $25.00 | 9/23/2009 7:57:11 PM |
| engaging-worth | $30.00 | $30.00 | 9/24/2009 6:13:28 AM |
| CPAMAN | $25.00 | $25.00 | 9/24/2009 7:37:01 AM |
| djh47a | $40.00 | $40.00 | 9/24/2009 7:43:58 AM |
| icon7 | $25.00 | $25.00 | 9/24/2009 10:42:15 AM |
| WorldlyWorker | $25.00 | $25.00 | 9/24/2009 9:22:13 AM |
| julijask | $25.00 | $25.00 | 9/24/2009 9:32:34 AM |
| inventive-funds | $25.00 | $25.00 | 9/24/2009 9:33:12 AM |
| newest-unique-integrity | $25.00 | $25.00 | 9/24/2009 9:35:04 AM |
| TheMan | $25.00 | $25.00 | 9/24/2009 10:59:11 AM |
| compoundinterest | $50.00 | $50.00 | 9/24/2009 1:55:14 PM |
| degster | $25.00 | $25.00 | 9/24/2009 3:54:02 PM |
| bmbanzai | $25.00 | $25.00 | 9/24/2009 6:24:06 PM |
| SNH | $50.00 | $44.86 | 9/24/2009 8:01:56 PM |
| nolahelper | $50.00 | $50.00 | 9/25/2009 5:51:21 AM |
| beachfunder | $25.00 | $25.00 | 9/25/2009 10:52:48 AM |
| improvman | $25.00 | $25.00 | 9/25/2009 11:21:32 AM |
| loanman2007 | $50.00 | $50.00 | 9/26/2009 9:55:46 AM |
| Approved | $50.00 | $50.00 | 9/27/2009 10:19:45 AM |
| slxvq | $40.45 | $40.45 | 9/28/2009 5:02:01 PM |
| Richmp412 | $25.00 | $25.00 | 9/28/2009 7:15:24 PM |
| Oak-Parker | $25.00 | $25.00 | 9/28/2009 9:30:23 PM |
| Astyanax | $50.00 | $50.00 | 9/28/2009 5:56:35 PM |
| scrabbler | $25.00 | $25.00 | 9/29/2009 6:50:14 AM |
| loan-eagle9 | $25.00 | $25.00 | 9/29/2009 7:59:08 AM |
| little_shark_J | $25.00 | $25.00 | 9/28/2009 10:44:57 PM |
| JFalcon | $50.00 | $50.00 | 9/29/2009 10:11:07 AM |
| GradEcon | $27.00 | $27.00 | 9/29/2009 6:36:09 AM |
| 68 bids
|
Borrower Payment Dependent Notes Series
424795
This series of Notes was issued and sold upon the funding of the borrower loan #38731, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction start date:
| Sep-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-22-2009 |
|
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 31.98% |
Starting monthly payment:
| $41.36 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 24.81% |
Final monthly payment:
| $37.68 |
| |
|
Auction yield range:
| 4.18% - 27.00% |
Estimated loss impact:
| 2.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.81% | | |
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-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 740-760 (Sep-2009) |
Current / open credit lines:
| 18
/
13 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 41 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $50,439 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 77% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| rapid-dollar2 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Education Class Sept. 30 - Oct 1st.
Purpose of loan:
This loan will be used to attend training class for?our retirement planning business.? THE CLASSES ARE FROM SEPT. 30 - OCT. 1. in Denver, CO. and I need to make plans to attend prior to this date.??
My financial situation:
I am a good candidate for this loan because my wife and I are exceptionally responsible people.? We have NEVER missed a payment and were once 800++ FICO credit scores before the financial crash.? As banks began reducing credit limits during the credit crunch, we too were affected by that and it dropped our credit score 50+ points.? Not because we are bad repayers of debt - our credit limit?dropped to our credit balance and that reduced our credit score significantly (740+ now).?
My wife and I have owned our home for over 18 years (never missed a payment on a $2,000 mortgage), and we are upstanding citizens in our community.? Without question, you will receive every penny owed to you in our quest for a $1,000 loan.???
I am willing to pay a little-higher-than-normal interest rate for my credit score worthiness?to earn your business FAST.? I need to attend a retirement planning class from Sept. 30 to Oct 1st in Denver, CO.? This?loan will help me attend so I can become more knowledgeable in this field and earn an income for my family.??
Thank you so much for your 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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| lucrative-wealth | $25.00 | $25.00 | 9/17/2009 4:35:49 PM |
| Dustley | $26.50 | $26.50 | 9/17/2009 4:39:05 PM |
| ladyonthebay | $50.00 | $50.00 | 9/18/2009 5:15:32 AM |
| investment-builder0 | $50.00 | $50.00 | 9/18/2009 10:01:29 PM |
| Gold_Coin | $25.00 | $25.00 | 9/19/2009 1:12:18 PM |
| davidrainboy | $63.85 | $63.85 | 9/21/2009 11:59:07 AM |
| khamen | $25.00 | $25.00 | 9/21/2009 5:33:00 PM |
| JustMee | $25.00 | $25.00 | 9/21/2009 8:55:37 PM |
| m4ng0 | $50.00 | $50.00 | 9/22/2009 7:10:41 AM |
| riversmoke | $50.00 | $50.00 | 9/22/2009 6:34:28 AM |
| smontgom | $25.00 | $25.00 | 9/22/2009 9:04:09 AM |
| IPG1 | $25.00 | $25.00 | 9/17/2009 4:37:59 PM |
| gallant-bazaar | $50.00 | $40.50 | 9/18/2009 4:23:13 PM |
| rainking | $50.00 | $50.00 | 9/19/2009 12:21:51 AM |
| chibear34 | $25.00 | $25.00 | 9/19/2009 6:40:35 AM |
| tntbuzz | $50.00 | $50.00 | 9/19/2009 8:46:56 AM |
| prossperous01 | $25.00 | $25.00 | 9/19/2009 5:07:46 PM |
| Kshore | $25.00 | $25.00 | 9/19/2009 4:41:45 PM |
| Adventurouschef | $60.00 | $60.00 | 9/20/2009 11:19:10 AM |
| Adventurouschef | $50.00 | $50.00 | 9/20/2009 11:21:59 AM |
| aha6297 | $25.00 | $25.00 | 9/20/2009 10:12:40 PM |
| CommerciaLender | $25.00 | $25.00 | 9/21/2009 11:12:18 AM |
| jokerj006 | $50.00 | $50.00 | 9/21/2009 7:40:53 PM |
| SV-AZ | $25.00 | $25.00 | 9/22/2009 8:48:45 AM |
| A007 | $59.15 | $59.15 | 9/22/2009 8:51:41 AM |
| jps888 | $50.00 | $50.00 | 9/22/2009 9:23:29 AM |
| 26 bids
|