Sales Report:Supplement No. 56 dated Oct 09, 2009 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 424224
This series of Notes was issued and sold upon the funding of the borrower loan #38811, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 14 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Sep-16-2009 
  Auction end date:  Sep-30-2009 
 
Starting lender yield: 9.08% Starting borrower rate/APR: 10.08% / 10.43% Starting monthly payment: $193.83
Final lender yield: 6.20% Final borrower rate/APR: 7.20% / 7.54% Final monthly payment: $185.81
 
Auction yield range: 3.27% - 9.08% 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: Dec-1990 Debt/Income ratio: 14%
Credit score: 780-800 (Sep-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $17,214 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 22%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: westend Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a credit card
Purpose of loan:

I'd like a loan because I have a credit card on which I currently have a balance.? The interest is currently low from a balance transfer offer that I chose a while back, and in the next month it will be raised to normal rates (approximately 21%).? I'm just trying to be smart and manage as best as possible the $ that I'm throwing away to interest.

My financial situation:

I'm a good candidate for a loan because I am responsible and employed in a professional role.? I am currently filling in for someone on leave at work, so I'm basically doing 2 jobs - while no one's job is ever "truly" secure, I think that my role is safe - I have a good reputation at work, where I've been for over 4 years (since getting my graduate degree - MBA).? I live in New York City, where I've never been late on rent, and have been able to live comfortably.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
blot44$50.00$50.009/16/2009 6:53:22 PM
Nash2065$25.00$25.009/18/2009 7:17:22 PM
CPAMAN$25.00$25.009/24/2009 7:37:06 AM
inventive-funds$25.00$25.009/24/2009 9:33:21 AM
newest-unique-integrity$25.00$25.009/24/2009 9:35:08 AM
icon7$25.00$25.009/24/2009 10:42:10 AM
MGOT-Ken$25.00$25.009/24/2009 2:32:22 PM
Dollars4Rent$25.00$25.009/24/2009 1:53:27 PM
bmbanzai$25.00$25.009/24/2009 6:24:11 PM
outofoffice$25.00$25.009/24/2009 8:11:49 PM
Havana21$500.00$500.009/24/2009 11:12:23 PM
GElender$30.29$30.299/25/2009 1:26:54 AM
Havana21$25.00$25.009/24/2009 10:47:37 PM
swiftsoul$25.00$25.009/25/2009 6:42:01 AM
generous-deal6$25.00$25.009/25/2009 10:53:24 AM
platinum-sorcerer6$25.00$25.009/25/2009 9:34:28 AM
rose88$25.00$25.009/25/2009 3:07:18 PM
inventive-wealth2$25.00$25.009/25/2009 2:57:52 PM
JDLanier$25.00$25.009/25/2009 9:36:36 PM
ctgscott$25.00$25.009/25/2009 4:50:01 PM
ChicoBob$26.49$26.499/26/2009 11:37:09 AM
JnL$25.00$25.009/26/2009 3:32:02 PM
whiteshadow$25.00$25.009/26/2009 8:58:53 AM
gogmagog$47.89$47.899/26/2009 9:14:14 AM
Hogpilot$25.00$25.009/26/2009 9:23:15 PM
longisland47m$25.00$25.009/26/2009 9:26:54 PM
j2ee$25.00$25.009/26/2009 10:38:55 AM
naniamo$25.00$25.009/27/2009 3:27:12 AM
BOBCH$25.00$25.009/26/2009 12:08:31 PM
johannesfactotum$25.00$25.009/27/2009 4:12:51 AM
mizount$25.00$25.009/26/2009 3:48:42 PM
friendlyviking$25.00$25.009/26/2009 8:31:52 PM
ADenny$25.00$25.009/26/2009 9:32:04 PM
sparky1129$25.00$25.009/27/2009 9:13:41 AM
dansarkis$25.00$25.009/27/2009 8:07:20 AM
thedreamer$25.00$25.009/28/2009 1:04:28 AM
InvestorPartners$25.00$25.009/28/2009 1:07:24 AM
mid$25.00$25.009/27/2009 4:33:03 PM
chief219$25.00$25.009/27/2009 6:21:56 PM
zeelender$25.00$25.009/27/2009 8:56:53 PM
WorldlyWorker$25.00$25.009/28/2009 1:51:42 AM
GenerousGentleMan$25.00$25.009/28/2009 11:18:47 AM
szetheli$50.00$50.009/28/2009 8:12:24 AM
KiwiElf$30.00$30.009/28/2009 10:37:36 AM
jct_enterprises$25.00$25.009/28/2009 10:56:58 AM
woodenshoes$77.06$77.069/28/2009 11:47:22 AM
mcabery$25.00$25.009/28/2009 3:17:05 PM
spsavage$25.00$25.009/28/2009 4:57:43 PM
hayhelp$25.00$25.009/28/2009 4:55:52 PM
Skramar$25.00$25.009/28/2009 6:22:06 PM
internetpreneur$25.00$25.009/28/2009 5:12:16 PM
stormwatch$25.00$25.009/28/2009 5:12:47 PM
wormdc$25.00$25.009/28/2009 5:57:30 PM
Patter256$25.00$25.009/28/2009 6:22:05 PM
top-impressive-dinero$25.00$25.009/28/2009 6:56:55 PM
RICHMONDREB$25.00$25.009/28/2009 9:36:51 PM
mroew$46.07$46.079/29/2009 9:06:11 AM
pipopirate$25.00$25.009/28/2009 10:41:50 PM
mrfrog$25.00$25.009/29/2009 9:33:30 AM
cpy911$25.00$25.009/28/2009 9:42:01 PM
SKOAL$25.00$25.009/28/2009 11:11:55 PM
frankdelraza$25.00$25.009/29/2009 12:07:16 AM
Coach2often$42.81$42.819/28/2009 11:11:57 PM
MONEYLENDER101$100.00$100.009/29/2009 6:27:44 AM
best-platinum-persimmon$50.00$50.009/29/2009 8:37:12 AM
inventive-exchange$25.00$25.009/29/2009 9:34:16 AM
soldadoz$25.00$25.009/29/2009 9:59:14 AM
museic1$25.00$25.009/29/2009 1:06:56 PM
slartibardfast$26.39$26.399/29/2009 1:29:07 PM
NELNET$37.27$37.279/29/2009 1:37:32 PM
gdbanks$25.00$25.009/29/2009 11:02:14 AM
tsui517$25.00$25.009/29/2009 11:31:35 AM
Trigirl23$25.00$25.009/29/2009 11:44:15 AM
Phillip4ever$25.00$25.009/29/2009 11:53:42 AM
sajitp$25.00$25.009/29/2009 12:01:58 PM
milehighguy$50.00$50.009/29/2009 12:18:43 PM
USMC0311$25.00$25.009/29/2009 1:22:02 PM
mjjjrj$25.00$25.009/29/2009 1:37:38 PM
secretidentity$25.00$25.009/29/2009 2:33:29 PM
Warbler$25.00$25.009/29/2009 4:38:46 PM
Norcal$44.39$44.399/29/2009 5:58:06 PM
andycheb$41.35$41.359/29/2009 4:38:16 PM
gotyourgear$25.00$25.009/29/2009 4:38:57 PM
TH99$25.00$25.009/29/2009 4:39:46 PM
kloan$25.00$25.009/29/2009 5:58:24 PM
Hexnut$50.00$50.009/29/2009 9:56:55 PM
maven2$25.00$25.009/29/2009 5:57:43 PM
eclicknsave$35.00$35.009/30/2009 1:00:30 AM
red-favorable-basis$25.00$25.009/30/2009 1:29:26 AM
P2PHelper$25.62$25.629/30/2009 7:13:32 AM
loan-eagle9$25.00$25.009/30/2009 7:15:21 AM
Banker3119$25.00$25.009/30/2009 8:36:03 AM
celkram$37.64$37.649/30/2009 9:34:48 AM
Snoopylover$25.00$25.009/30/2009 10:33:57 AM
otalon$27.80$27.809/30/2009 11:35:52 AM
visionary-currency$100.00$100.009/30/2009 11:55:53 AM
jybank$25.00$25.009/30/2009 1:16:55 PM
mu50stang$25.00$25.009/30/2009 2:53:46 PM
best-generosity-financier$25.00$25.009/30/2009 3:49:39 PM
SchaeferJ$25.00$25.009/22/2009 11:04:05 AM
ujiba$25.00$25.009/22/2009 1:24:19 PM
loanman2007$50.00$50.009/23/2009 5:56:26 AM
julijask$25.00$25.009/24/2009 9:32:41 AM
TheMan$25.00$25.009/24/2009 10:59:07 AM
Dollars4Rent$25.00$25.009/24/2009 1:53:13 PM
tommyanthony$79.56$79.569/24/2009 1:55:20 PM
justice-dna$25.00$25.009/24/2009 3:50:39 PM
hellasow$25.00$25.009/24/2009 9:20:32 PM
hawker$100.00$100.009/25/2009 5:13:01 AM
greenback-floret$25.00$25.009/25/2009 6:42:46 AM
zone6$25.00$25.009/25/2009 9:33:16 AM
janus_god$25.00$25.009/25/2009 9:35:58 AM
monstersdad$42.07$42.079/25/2009 2:04:54 PM
mathprof$25.00$25.009/25/2009 9:46:57 PM
superchicken$25.00$25.009/26/2009 6:11:56 AM
highcountry1$25.00$25.009/26/2009 5:27:59 AM
BayShell$40.00$40.009/26/2009 8:58:57 AM
AndersenWatcher$25.00$25.009/26/2009 9:14:16 AM
Sixmil$25.00$25.009/26/2009 9:14:18 AM
rdextra$25.00$25.009/26/2009 9:14:23 AM
nuclearmoose$25.00$25.009/26/2009 10:52:54 AM
TriSail$25.00$25.009/27/2009 8:51:56 AM
janderz990$25.00$25.009/27/2009 9:01:59 AM
Lendomatic$25.00$25.009/27/2009 1:01:53 AM
impartial-deal$25.00$25.009/27/2009 9:01:55 AM
BuckNaikid$25.00$25.009/27/2009 9:37:15 AM
thedoctor$25.00$25.009/27/2009 6:22:01 PM
courteous-platinum6$50.00$50.009/28/2009 9:35:23 AM
income-crescendo1$25.00$25.009/28/2009 9:35:38 AM
mikeandcat$40.83$40.839/28/2009 10:55:40 AM
Tradesmanlender$25.00$25.009/28/2009 11:28:09 AM
BankOfFrankFairness$30.01$30.019/28/2009 12:18:20 PM
czar3$25.00$25.009/28/2009 9:33:38 AM
kmwvma$25.00$25.009/28/2009 9:34:45 AM
Westerly$50.00$50.009/28/2009 9:48:44 AM
Avala$25.00$25.009/28/2009 12:48:14 PM
js60l$25.00$25.009/28/2009 3:27:25 PM
aajwm$36.35$36.359/28/2009 5:12:36 PM
nofreelunch$25.00$25.009/28/2009 4:58:36 PM
dealarella$25.00$25.009/28/2009 9:27:21 PM
catmanbob$25.00$25.009/28/2009 5:12:49 PM
szetowski$25.00$25.009/28/2009 6:13:00 PM
fsa3$25.00$25.009/28/2009 6:56:51 PM
Friend22$25.00$25.009/29/2009 3:22:07 AM
assetmanager$25.00$25.009/29/2009 2:57:00 AM
Boxhead$25.00$25.009/29/2009 11:17:28 AM
lovely-return7$25.00$25.009/29/2009 8:37:10 AM
PatRichi$25.00$25.009/29/2009 8:21:52 AM
pulmdoc$25.00$25.009/29/2009 8:42:48 AM
MT1130$25.00$25.009/29/2009 12:41:53 PM
BaxterEvil$25.00$25.009/29/2009 9:59:17 AM
RickD1003$50.00$50.009/29/2009 10:13:33 AM
paddatjie$25.00$25.009/29/2009 1:37:48 PM
dadalou$25.00$25.009/29/2009 11:17:24 AM
radiant-fund$25.00$25.009/29/2009 11:14:42 AM
NATIVEBORN$50.00$50.009/29/2009 2:31:07 PM
northphoto$25.00$25.009/29/2009 11:38:46 AM
cyonamine$25.00$25.009/29/2009 11:45:07 AM
chilichese$25.00$25.009/29/2009 11:56:54 AM
donloah$25.00$25.009/29/2009 11:54:03 AM
BaltimoreLender$25.00$25.009/29/2009 12:09:10 PM
ndwayno$25.48$25.489/29/2009 12:18:04 PM
b-rent$25.00$25.009/29/2009 1:22:06 PM
skistud66$25.00$25.009/29/2009 1:42:06 PM
Astyanax$25.00$25.009/29/2009 2:10:40 PM
DrStaff$60.00$60.009/29/2009 2:34:02 PM
jbadawg1017$25.00$25.009/29/2009 2:27:46 PM
buckyhead2000$25.00$25.009/29/2009 2:48:02 PM
FundMaker$25.00$25.009/29/2009 4:53:20 PM
divedude$25.00$25.009/29/2009 5:06:56 PM
funds-promiser$50.00$50.009/29/2009 5:57:54 PM
lostontheedge$25.00$25.009/29/2009 4:39:08 PM
TheColoradoDon$25.00$25.009/29/2009 7:28:20 PM
YummiBear$25.00$25.009/29/2009 8:44:32 PM
Phillip298$25.00$25.009/29/2009 9:37:12 PM
tomxnsn$25.00$25.009/30/2009 1:04:27 AM
Captain88$25.00$25.009/30/2009 5:04:28 AM
mobius_titan$25.00$25.009/30/2009 4:14:49 AM
RJN$25.00$25.009/30/2009 5:40:06 AM
MasterJin$25.00$19.639/30/2009 9:34:51 AM
NoNameLender$50.00$50.009/30/2009 9:48:10 AM
astro128$25.00$25.009/30/2009 12:08:20 PM
mentalsweat$25.00$25.009/30/2009 2:20:22 PM
credit-coach118$25.00$25.009/30/2009 2:54:32 PM
wwwUniversal$25.00$25.009/30/2009 3:40:07 PM
dannyboy_997$25.00$25.009/30/2009 3:36:06 PM
186 bids
 
Borrower Payment Dependent Notes Series 424591
This series of Notes was issued and sold upon the funding of the borrower loan #38870, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 14 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Sep-16-2009 
  Auction end date:  Sep-30-2009 
 
Starting lender yield: 11.43% Starting borrower rate/APR: 12.43% / 12.78% Starting monthly payment: $501.30
Final lender yield: 11.25% Final borrower rate/APR: 12.25% / 12.60% Final monthly payment: $500.01
 
Auction yield range: 3.27% - 11.43% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.74%  
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: 34%
Credit score: 820-840 (Sep-2009) Current / open credit lines: 17 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:6y 3m
Amount delinquent: $0 Revolving credit balance: $22,835 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 38%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: magnificent-payment Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card!
Purpose of loan:
This loan will be used to pay off my credit card debt. I am tired of playing games with the credit card company's and want to eliminate this debt ASAP.

My financial situation:
I am a good candidate for this loan because I have a stable job working with my uncle for over 6 years now. I am currently vice president of the company. I have no trouble paying my monthly bills. I would love to eliminate this credit card debt in the next 2-3 years so that I can begin saving money for my daughters college tuition. She is only 16 months old but its never to early to start saving!
If you have any questions please feel free to ask.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What business are you and your uncle in? - fulfilling-commitment
A: We sell surgical instruments to hospitals, surgery centers, and doctors across the country. Last year we hit 1.8 million in sales. (Sep-17-2009)
Q: You look great! Thanks in advance for your attention to my questions. 1. Your home: - what kind of mortgage? 30yr F/5 yr ARM/Floating/etc. - how much home equity (zillow.com value less bal) 2. What past decisions led to current card debt? - resolute-auction4
A: 1.) Loan Type: 30 Yr Conv w/PMI, Remaining Term 28 Years, 0 Months. With the decline in property values across the country I would estimate our home to be worth right around what we owe on the mortgage. $255,000. 2.) During college (99-03) is when I accumulated most of this credit debt. I have no late payments on my credit history since since my first line of credit in 1999. Household income is $140K (Sep-17-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
LDFree$25.00$25.009/16/2009 4:01:06 PM
loaninvesting$25.00$25.009/16/2009 4:01:37 PM
Cherrypicker06$25.00$25.009/16/2009 4:05:10 PM
understanding-marketplace$100.00$100.009/16/2009 4:05:57 PM
personal-lender$25.00$25.009/16/2009 4:07:09 PM
gold-tsunami$25.00$25.009/16/2009 4:07:15 PM
honorable-yield$50.00$50.009/16/2009 4:05:24 PM
elasermd$50.00$50.009/16/2009 4:06:29 PM
CULPEPPERGROUP$25.00$25.009/16/2009 4:11:25 PM
uncleegg$25.00$25.009/16/2009 4:11:31 PM
compoundinterest$50.00$50.009/16/2009 4:09:08 PM
snowman34$25.00$25.009/16/2009 4:09:48 PM
degster$25.00$25.009/16/2009 4:11:51 PM
puyanera$25.00$25.009/16/2009 4:12:36 PM
wwwUniversal$50.00$50.009/16/2009 4:18:32 PM
REBizGuy$50.00$50.009/16/2009 4:00:25 PM
wwwUniversal$25.00$25.009/16/2009 4:01:22 PM
testobsessed$100.00$100.009/16/2009 4:06:08 PM
Moron_Buffet$25.00$25.009/16/2009 4:06:54 PM
Kame$25.00$25.009/16/2009 4:07:00 PM
sas19$25.00$25.009/16/2009 4:08:51 PM
kinetic-diversification$50.00$50.009/16/2009 4:09:17 PM
credit-investor5$50.00$50.009/16/2009 4:10:11 PM
engaging-worth$30.00$30.009/17/2009 5:25:17 AM
lagnisiruk$25.00$25.009/16/2009 6:10:11 PM
Barak$80.00$80.009/17/2009 8:21:30 AM
CSinvestments$25.00$25.009/17/2009 11:04:34 AM
crenen139$25.00$25.009/16/2009 8:40:57 PM
gold-cluster$25.00$25.009/17/2009 12:21:35 PM
anton$37.49$37.499/17/2009 6:59:53 PM
pseudokris$25.00$25.009/17/2009 7:00:32 PM
powersjq$25.00$25.009/18/2009 8:14:35 AM
j48$25.00$25.009/18/2009 10:53:02 AM
zone8$175.00$175.009/18/2009 11:52:35 AM
WealthBoy$25.00$25.009/18/2009 1:56:00 PM
meux99$25.00$25.009/18/2009 5:04:26 PM
buckyhead2000$25.00$25.009/18/2009 5:55:53 PM
RedCentre$100.00$100.009/18/2009 5:56:54 PM
bid-papyrus$41.57$41.579/19/2009 3:17:13 PM
DHolly$25.00$25.009/19/2009 1:27:18 PM
sandia785$75.00$75.009/19/2009 4:04:15 PM
kenyonhillbilly$50.00$50.009/20/2009 5:16:48 AM
payontime1$50.00$50.009/19/2009 10:39:56 PM
Viamin$25.00$25.009/20/2009 1:22:42 AM
chief_wo$25.00$25.009/20/2009 5:41:56 AM
savedollarinc$25.00$25.009/20/2009 5:27:04 AM
ptjg$25.00$25.009/20/2009 6:12:03 AM
kid8549$25.00$25.009/20/2009 9:22:34 AM
pawsitive$25.00$25.009/20/2009 2:02:13 PM
4mydaughterseducation$25.00$25.009/20/2009 11:28:35 AM
Jaybee99$50.00$50.009/20/2009 12:01:18 PM
dman1024$50.00$50.009/20/2009 5:30:49 PM
the-dinero-samurai$30.00$30.009/20/2009 5:49:47 PM
jcatlman$75.00$75.009/20/2009 5:10:16 PM
gracej$25.00$25.009/20/2009 7:42:01 PM
zeraphm$25.00$25.009/21/2009 8:37:54 AM
shneb$300.00$300.009/21/2009 10:52:57 AM
GatorBait$25.00$25.009/22/2009 9:50:30 AM
djh47a$40.00$40.009/22/2009 9:34:29 AM
turbine5$40.00$40.009/22/2009 10:25:29 AM
kegs$100.00$100.009/22/2009 10:33:57 AM
Jassi$25.00$25.009/22/2009 9:44:35 AM
larrybird$95.00$95.009/22/2009 10:53:58 AM
PR05P3RToday$25.00$25.009/22/2009 7:33:19 PM
SFBank$250.00$250.009/22/2009 6:48:14 PM
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JDLanier$25.00$25.009/30/2009 10:44:49 AM
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MasterJin$25.00$25.009/30/2009 1:46:35 PM
BAEVentures$50.00$50.009/30/2009 2:25:28 PM
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best-generosity-financier$25.00$25.009/30/2009 3:57:56 PM
careful-wealth$25.00$25.009/30/2009 3:56:10 PM
342 bids
 
Borrower Payment Dependent Notes Series 424609
This series of Notes was issued and sold upon the funding of the borrower loan #38814, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 14 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Sep-16-2009 
  Auction end date:  Sep-30-2009 
 
Starting lender yield: 11.33% Starting borrower rate/APR: 12.33% / 14.47% Starting monthly payment: $166.86
Final lender yield: 9.30% Final borrower rate/APR: 10.30% / 12.41% Final monthly payment: $162.04
 
Auction yield range: 4.27% - 11.33% 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: Sep-2002 Debt/Income ratio: 8%
Credit score: 780-800 (Sep-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $408 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 8%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: scholarly-justice 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
Mom's memorial and final expenses
Purpose of loan:
This loan will be used to pay for my moms and grandfathers memorial and final expenses. I'm 24 years old and my quarter life crisis came a bit early. My mom passed away unexpectedly in June and I have spent almost all of my savings to take care of her things. My mom bought a house a month before she passed and did not buy mortgage insurance. Therefore I am left with the mortgage. Since my mom's dream was to someday own a home of her own and she finally achieved that dream I am not ready to part with the house, instead I hope to fix?it up (it was a fixer-upper!) the?way she wanted it to be.?During the month that she owned the home she?had already done a lot of work to it, including building a new redwood?front gate!?Currently my father, who was previously homeless, is living in the house and fixing it up. The house payments are $400 and because my father?cannot work because of a disability, I pay that expense. About a month after my mom passed away my grandfather passed away of cancer. To save money we are combining their ceremonies.

A year and a half ago I purchased a home of my own?and my?mortgage payment?is?$1200. I rent?one room out so that covers $450.

Basically I would like $5,000 to get everything settled with my mom's estate, the memorial service, and?some minor repairs on?my mom's?house. I hope to do this without the worry of always checking my bank account to figure out if I have enough. It has been hard for me to mourn because I have been burdened with the threat of not being able to pay the bills.


My financial situation:
I am a good candidate for this loan because I have excellent credit, I am very responsible and independent. I just?need a little?help through these tough times. The only loans?I have are student loans and my mortgage payment.?My car is paid off and I only have $400 credit card debt.
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: Who owns the house now? Is it in probate, did your Mom leave it to you in her will? What about any brothers or sisters you have? Except for the mortgage, do you have clear title to this house? - Int_PrinRateTime4000
A: Technically the house is still under my mom's name. Everything was left to me and I do not have any brothers or siblings. I am in the process of changing the house into my name so that I become the owner in writing. We do not need to go through the probate process because my mom's estate is worth less than $100,000. I will have clear title to the house once the paperwork is completed. (Sep-21-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
wwwUniversal$25.00$25.009/16/2009 4:01:24 PM
gold-tsunami$25.00$25.009/16/2009 4:07:16 PM
Halos2002$50.00$50.009/16/2009 4:07:52 PM
compoundinterest$50.00$50.009/16/2009 4:09:09 PM
bchen78875$50.00$50.009/16/2009 4:05:51 PM
elasermd$50.00$50.009/16/2009 4:06:32 PM
snowman34$25.00$25.009/16/2009 4:09:48 PM
Moron_Buffet$25.00$25.009/16/2009 4:06:55 PM
bazaar-tulip$25.00$25.009/16/2009 4:46:40 PM
crenen139$25.00$25.009/16/2009 8:40:58 PM
lagnisiruk$25.00$25.009/17/2009 7:50:34 AM
Syzygy$25.00$25.009/17/2009 12:27:00 PM
benroo$25.00$25.009/17/2009 12:54:38 PM
gold-cluster$25.00$25.009/17/2009 12:21:37 PM
Weaverville$25.00$25.009/17/2009 8:50:33 PM
seasportsguy$25.00$25.009/18/2009 7:41:27 AM
SNH$50.00$50.009/18/2009 10:12:58 AM
j48$25.00$25.009/18/2009 10:53:06 AM
meux99$25.00$25.009/18/2009 5:04:27 PM
buckyhead2000$25.00$25.009/18/2009 5:55:54 PM
japper2353$25.00$25.009/19/2009 3:12:43 AM
MidnightBank$25.00$25.009/19/2009 7:31:53 AM
Hummer-Guy$25.00$25.009/19/2009 11:33:15 AM
chief_wo$25.00$25.009/20/2009 5:41:57 AM
Viamin$25.00$25.009/20/2009 1:22:43 AM
bid-papyrus$46.12$46.129/20/2009 8:49:00 AM
pawsitive$25.00$25.009/20/2009 2:02:13 PM
beaufuture$25.00$25.009/20/2009 9:27:12 PM
BlindProphet$25.00$25.009/20/2009 8:32:15 PM
kenyonhillbilly$25.00$25.009/21/2009 8:32:02 AM
zeraphm$25.00$25.009/21/2009 8:37:55 AM
visionary-currency$100.00$100.009/21/2009 9:34:00 AM
GatorBait$25.00$25.009/22/2009 9:50:32 AM
tuffshorty$50.00$50.009/22/2009 9:32:55 AM
kegs$100.00$100.009/22/2009 10:33:58 AM
larrybird$95.00$95.009/22/2009 10:53:59 AM
Jassi$25.00$25.009/22/2009 9:44:36 AM
turbine5$40.00$40.009/22/2009 10:25:31 AM
brocilybeef$25.00$25.009/22/2009 1:42:37 PM
pseudokris$25.00$25.009/22/2009 4:02:41 PM
credit-coach118$25.00$25.009/22/2009 5:22:08 PM
Marathoner$25.00$25.009/22/2009 8:47:12 PM
dime-violin$25.00$25.009/23/2009 9:33:28 AM
jeffc92$50.00$50.009/23/2009 10:18:56 AM
ujiba$25.00$25.009/23/2009 11:05:19 AM
kindness-saver$25.00$25.009/23/2009 11:26:36 AM
noble-revenue$44.78$44.789/23/2009 2:08:14 PM
brainy-dedication$25.00$25.009/24/2009 6:05:46 AM
cash-sensai2$25.00$25.009/24/2009 6:15:01 AM
five-star-justice$36.00$36.009/24/2009 6:30:40 AM
rce1964$25.00$25.009/24/2009 10:27:27 AM
jgar_O$30.00$21.169/24/2009 8:37:26 AM
catumbelense$32.06$32.069/24/2009 1:59:33 PM
ryan516$25.00$25.009/26/2009 8:28:08 PM
Pizzaman49$50.00$50.009/27/2009 2:06:02 PM
oldman1947$25.00$25.009/27/2009 2:20:59 PM
JoeXB$25.00$25.009/28/2009 9:02:03 AM
jybank$25.00$25.009/28/2009 10:48:09 PM
gilbrear$25.00$25.009/28/2009 5:56:32 PM
zento$25.00$25.009/28/2009 11:08:15 PM
grallu$100.00$100.009/29/2009 6:02:06 AM
tuckerdog75$25.00$25.009/29/2009 6:25:27 PM
best-generosity-financier$25.00$25.009/29/2009 9:34:28 PM
simpleliving123$100.00$100.009/29/2009 7:33:05 PM
MoneyForNothing$25.00$25.009/30/2009 6:36:03 AM
Rider$25.00$25.009/30/2009 8:44:01 AM
yu-rik$70.00$70.009/30/2009 1:43:53 PM
uncleharold$105.00$105.009/30/2009 2:09:39 PM
the-profit-oracle$25.00$25.009/30/2009 2:11:11 PM
honorable-yield$50.00$50.009/16/2009 4:05:24 PM
skuba$50.00$50.009/16/2009 4:05:43 PM
Cai8899$25.00$25.009/16/2009 4:05:00 PM
don8ter$46.34$46.349/16/2009 4:05:18 PM
Sid-K$50.00$50.009/16/2009 4:05:31 PM
DukSerduk$25.00$25.009/16/2009 4:05:38 PM
testobsessed$100.00$100.009/16/2009 4:06:10 PM
Kame$25.00$25.009/16/2009 4:07:00 PM
turbospeed$25.00$25.009/16/2009 4:10:26 PM
sas19$25.00$25.009/16/2009 4:08:51 PM
degster$25.00$25.009/16/2009 4:11:51 PM
kinetic-diversification$50.00$50.009/16/2009 4:09:17 PM
Cherrypicker06$25.00$25.009/16/2009 4:05:10 PM
flexiboy35$25.00$25.009/16/2009 5:42:07 PM
understanding-marketplace$100.00$100.009/16/2009 4:05:58 PM
personal-lender$25.00$25.009/16/2009 4:07:09 PM
ethicalhumanist$25.00$25.009/16/2009 4:07:38 PM
CULPEPPERGROUP$25.00$25.009/16/2009 4:11:26 PM
uncleegg$25.00$25.009/16/2009 4:11:32 PM
Barak$80.00$80.009/17/2009 8:21:31 AM
Castellan$25.00$25.009/17/2009 2:11:50 PM
engaging-worth$30.00$30.009/18/2009 7:42:27 AM
theloanteacher$28.54$28.549/18/2009 3:25:58 PM
wach$25.00$25.009/19/2009 1:04:59 AM
lgs83$25.00$25.009/20/2009 10:03:40 AM
kid8549$25.00$25.009/20/2009 9:22:36 AM
gracej$25.00$25.009/20/2009 7:42:02 PM
rmachi$25.00$25.009/21/2009 8:28:14 AM
suave-dollar$40.00$40.009/21/2009 9:33:01 AM
coolspeed$25.00$25.009/21/2009 4:39:36 PM
trade-watcher$25.00$25.009/21/2009 5:33:04 PM
discrete-asset$25.00$25.009/22/2009 9:33:45 AM
djh47a$40.00$40.009/22/2009 9:34:32 AM
aqaq8877$100.00$100.009/22/2009 10:07:58 AM
LoanGiver$25.00$25.009/22/2009 1:25:14 PM
goofy15975$25.00$25.009/22/2009 1:24:33 PM
Banker7371$25.00$25.009/22/2009 4:12:10 PM
omahajay$45.00$45.009/22/2009 7:18:11 PM
transparency-giant$50.00$50.009/23/2009 8:12:13 AM
fortytwo$200.00$200.009/23/2009 9:35:52 AM
bid-wonder$25.00$25.009/23/2009 2:08:27 PM
CPAMAN$25.00$25.009/24/2009 7:37:09 AM
rjleves$25.00$25.009/24/2009 7:47:07 AM
Student_Capital$25.00$25.009/24/2009 2:23:46 PM
marwadi-62$50.00$50.009/24/2009 5:24:29 PM
CommerciaLender$25.00$25.009/25/2009 8:59:13 PM
ToweringDan$50.00$50.009/25/2009 10:30:31 PM
RandyL3$25.00$25.009/25/2009 5:16:52 PM
plbquic$25.00$25.009/26/2009 7:09:30 PM
Good_Karma_Cafe$25.00$25.009/28/2009 9:50:17 AM
Moneypenny6$25.00$25.009/28/2009 7:32:08 PM
F_r_e_d_s__B_a_n_k$50.00$50.009/28/2009 11:08:09 PM
PhalanxBulldog$25.00$25.009/29/2009 2:21:37 PM
LoanDMC$25.00$25.009/29/2009 3:32:21 PM
oldman1947$25.00$25.009/29/2009 4:21:38 PM
shag2$25.00$25.009/29/2009 7:40:43 PM
tranquil-power$25.00$25.009/29/2009 6:36:06 PM
sflawya$25.00$25.009/29/2009 9:23:19 PM
mobius_titan$25.00$25.009/30/2009 4:27:04 AM
glenium$25.00$25.009/30/2009 4:48:30 AM
colorfulgardener$50.00$50.009/30/2009 6:12:29 AM
balance-chestnut$25.00$25.009/30/2009 9:12:24 AM
martymaniaman$25.00$25.009/30/2009 10:40:30 AM
JerryB96$25.00$25.009/30/2009 11:19:57 AM
Pickmar$25.00$25.009/30/2009 11:29:19 AM
Savings_EQ_Dignity$50.00$50.009/30/2009 12:29:12 PM
dime-worker$25.00$25.009/30/2009 2:03:00 PM
crazybill$25.00$25.009/30/2009 2:24:10 PM
bbanc123$25.00$25.009/30/2009 2:26:18 PM
138 bids
 
Borrower Payment Dependent Notes Series 423072
This series of Notes was issued and sold upon the funding of the borrower loan #38873, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: B Auction Duration: 14 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Sep-16-2009 
  Auction end date:  Sep-30-2009 
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $260.15
Final lender yield: 19.00% Final borrower rate/APR: 20.00% / 22.24% Final monthly payment: $260.15
 
Auction yield range: 6.27% - 19.00% Estimated loss impact: 5.33%  
Lender servicing fee: 1.00% Estimated return: 13.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Sep-2000 Debt/Income ratio: 42%
Credit score: 740-760 (Sep-2009) Current / open credit lines: 17 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $24,376 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 63%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: jmanthei Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 18 ( 100% ) 740-760 (Latest)
Principal borrowed: $16,000.00< mo. late: 0 ( 0% )  
720-740 (Sep-2007)
680-700 (Aug-2007)
640-660 (Sep-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Bathroom Plumbing Repair
We are looking for $7,000 to pay for our bathroom repair. Last week my wife was taking a shower, I went down into the basement and found water pouring out?of?the?ceiling under the shower. I called in?3 contractors to get estimates for the repair and they ranged from 12,000- 15,000. They said because?the water was running through the wall the tub walls and studs would?need to be ripped out and replaced to?ensure there is no mold that grows. The contractor suggested to save some money?that we use killz paint on the studs to not have to replace them but our children have severe allergies and we don?t want to take the chance of trying that, it not work and we have to then rip the wall out anyway. We currently have 7,000-8,000 in savings but I am looking for this loan?to pay the remaining balance to get my bathroom repaired and leave some emergency cushion in case something else comes up. We are looking to pay this of within 12 months. As you can see?below we have the income to more than cover this loan?and would be able to do this on our own if I could wait 4 or 5 months to get this repaired. I tried to get a payment plan through the contractor but with the current economy they stated they no longer do that. Thank you for reviewing my proposal, below I have added our financial break down.

Income:?
My and?my wife's combined?is 10,250 / month gross?(125,000 per year)
We have both been with our current employers for more than 4 years


Expenses:??
Housing: $ 1835??
Insurance: $ 145??
Car expenses: $945???
Utilities: $?160?
Phone, cable, internet: $ 150
Credit cards: $ 275???
Student Loans: $315
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Independenceday$25.00$25.009/16/2009 4:00:56 PM
VentureAngel$25.00$25.009/16/2009 4:00:46 PM
JustMee$25.00$25.009/16/2009 7:23:51 PM
m4ng0$25.00$25.009/17/2009 7:13:23 AM
REBizGuy$45.27$45.279/17/2009 12:03:46 PM
CommerciaLender$25.00$25.009/21/2009 11:14:15 AM
Pressure_Drop$200.00$200.009/22/2009 10:19:09 AM
mrreynol$25.00$25.009/22/2009 4:47:50 PM
Dollars4Rent$25.00$25.009/23/2009 4:02:44 PM
Watersports$500.00$500.009/24/2009 4:06:18 PM
OzGuy609$25.00$25.009/25/2009 6:30:23 AM
Rip128$50.00$50.009/25/2009 4:27:52 PM
clemclan$25.00$25.009/25/2009 9:43:17 PM
ezrloan$100.00$100.009/26/2009 4:26:06 PM
Jinja$25.00$25.009/28/2009 6:52:47 PM
Sand_Dollars$236.00$236.009/28/2009 10:33:18 PM
well-mannered-income3$25.00$25.009/29/2009 9:39:47 AM
bronzmajom$25.00$25.009/28/2009 11:55:33 PM
well-mannered-income3$25.00$25.009/29/2009 11:21:07 AM
ManhattanLender$25.00$25.009/29/2009 11:35:24 AM
worth-matador$25.00$25.009/29/2009 12:06:20 PM
fireferd$53.65$53.659/29/2009 2:17:15 PM
best-generosity-financier$75.00$75.009/29/2009 9:25:57 PM
BuffetRocks$200.00$200.009/29/2009 9:51:40 PM
101010$50.00$50.009/29/2009 7:04:06 PM
hollywood_muneca$90.53$90.539/29/2009 7:16:32 PM
Bobafet$25.00$25.009/29/2009 5:58:49 PM
mojii77$25.00$25.009/29/2009 6:33:48 PM
InvestForWealth$30.00$30.009/29/2009 6:46:24 PM
1traveler$25.00$25.009/29/2009 11:05:52 PM
E-B$50.00$50.009/30/2009 2:31:49 AM
JRockdown$25.00$25.009/30/2009 5:59:27 AM
Credit2Prosper$50.00$50.009/30/2009 5:59:29 AM
whatreality$25.00$25.009/30/2009 6:17:59 AM
Bank_Of_XL$100.00$100.009/30/2009 7:01:10 AM
dorypro$25.00$25.009/30/2009 7:08:20 AM
mckhbnpc$25.00$25.009/30/2009 9:17:21 AM
Engineer44$30.00$30.009/30/2009 9:29:41 AM
larrybird$225.00$225.009/30/2009 9:38:31 AM
strutter$25.00$25.009/30/2009 10:04:47 AM
kegs$250.00$250.009/30/2009 10:23:02 AM
ralf206$37.85$37.859/30/2009 10:13:22 AM
ladyorayne$100.00$100.009/30/2009 12:07:42 PM
dudebrah$25.00$25.009/30/2009 11:40:18 AM
wizard750$40.00$40.009/30/2009 12:17:16 PM
radiant-value$25.00$25.009/30/2009 12:22:55 PM
forthright-durability$25.00$25.009/30/2009 12:43:33 PM
maga$279.00$279.009/30/2009 12:46:04 PM
evinny101$38.11$38.119/30/2009 12:59:55 PM
UCLA4life$25.61$25.619/30/2009 1:19:11 PM
DackoDenk$25.00$25.009/30/2009 1:47:53 PM
caddy5662$25.00$25.009/30/2009 2:04:58 PM
CSinvestments$26.00$26.009/30/2009 2:13:41 PM
upbeat-wealth$25.00$25.009/30/2009 2:28:08 PM
LoveLife45$25.00$25.009/30/2009 3:29:41 PM
MrOglesby$25.00$25.009/30/2009 2:31:19 PM
palex$50.00$50.009/30/2009 2:33:55 PM
glazeddonuts$50.00$50.009/30/2009 3:53:12 PM
Memphis-King$50.00$50.009/30/2009 3:52:37 PM
Bill88$25.00$25.009/30/2009 3:55:34 PM
fortytwo$43.34$43.349/17/2009 5:01:54 PM
vinayski$25.00$25.009/24/2009 9:03:21 AM
thepaw60$70.00$70.009/24/2009 1:07:09 PM
classiccitizen$25.00$25.009/24/2009 5:29:04 PM
driven_24-7$49.68$49.689/25/2009 5:31:47 AM
grammaspurse$50.00$50.009/25/2009 3:40:45 PM
payontime1$50.00$50.009/25/2009 6:32:22 PM
Ven58$25.00$25.009/25/2009 6:07:17 PM
gold-cluster$25.00$25.009/26/2009 5:30:21 PM
101010$100.00$100.009/26/2009 8:48:33 PM
thepaw60$50.00$50.009/29/2009 6:31:18 AM
intelligent-yield$25.00$25.009/28/2009 6:54:06 PM
kind-bid-maverick$50.00$50.009/28/2009 10:29:47 PM
payingit4ward$50.00$50.009/29/2009 3:58:27 AM
classiccitizen$48.16$48.169/29/2009 11:18:23 AM
ekdroom$25.00$25.009/29/2009 9:14:33 AM
just-trade0$25.00$25.009/29/2009 11:52:01 AM
MStackIV$50.83$50.839/29/2009 12:41:30 PM
CA_Lender$25.00$25.009/29/2009 1:13:10 PM
a_falk22$30.00$30.009/29/2009 1:37:57 PM
Astyanax$50.00$50.009/29/2009 2:08:55 PM
Trentsteel_98$25.00$25.009/29/2009 4:41:00 PM
Crystalprop$25.00$25.009/29/2009 4:49:14 PM
forthright-durability$50.00$50.009/29/2009 5:17:43 PM
cassperr$50.00$50.009/29/2009 7:22:51 PM
marybennet$25.00$25.009/29/2009 8:21:25 PM
fireferd$73.88$73.889/29/2009 9:37:03 PM
bondhedger$25.00$25.009/29/2009 11:06:51 PM
SGDebt$100.00$100.009/30/2009 3:44:17 AM
Lubava$37.00$37.009/30/2009 5:45:36 AM
billk333$25.00$25.009/30/2009 5:55:35 AM
mmrothsc$53.76$53.769/30/2009 5:27:15 AM
bxdoc$125.00$125.009/30/2009 6:21:09 AM
proton4$50.00$50.009/30/2009 7:03:56 AM
EEasyMoney$25.00$25.009/30/2009 7:17:04 AM
awe-inspiring-power$25.00$25.009/30/2009 8:54:34 AM
skaught$31.06$31.069/30/2009 10:19:34 AM
TaoPooh$25.00$25.009/30/2009 10:44:40 AM
martymaniaman$50.00$50.009/30/2009 10:41:43 AM
Cherrypicker06$40.00$40.009/30/2009 10:51:45 AM
anton$2,320.00$680.329/30/2009 11:16:59 AM
Leshan$25.95$25.959/30/2009 11:22:08 AM
FL-Lender$50.00$50.009/30/2009 11:45:19 AM
yu-rik$100.00$100.009/30/2009 1:40:08 PM
TheLoanManCan$25.00$25.009/30/2009 2:12:10 PM
dime-worker$25.00$25.009/30/2009 1:57:43 PM
whittlesey31$25.00$25.009/30/2009 2:06:26 PM
sharp-credit$200.00$200.009/30/2009 2:56:30 PM
GaryEsq$50.00$50.009/30/2009 2:49:24 PM
careful-wealth$25.00$25.009/30/2009 3:54:00 PM
LAKETIME$25.00$25.009/30/2009 2:32:50 PM
hidavehi$59.00$59.009/30/2009 3:54:16 PM
zodiac100$25.00$25.009/30/2009 3:16:01 PM
pja138$100.00$100.009/30/2009 3:46:46 PM
114 bids
 
Borrower Payment Dependent Notes Series 424670
This series of Notes was issued and sold upon the funding of the borrower loan #38879, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 14 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Sep-16-2009 
  Auction end date:  Sep-30-2009 
 
Starting lender yield: 8.08% Starting borrower rate/APR: 9.08% / 9.42% Starting monthly payment: $63.67
Final lender yield: 6.20% Final borrower rate/APR: 7.20% / 7.54% Final monthly payment: $61.94
 
Auction yield range: 3.27% - 8.08% 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-1996 Debt/Income ratio: 2%
Credit score: 780-800 (Sep-2009) Current / open credit lines: 13 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:12y 3m
Amount delinquent: $0 Revolving credit balance: $149,176 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Chrishu Borrower's state: Washington Borrower's group: Microsoft Employees
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 100% ) 780-800 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
740-760 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Borrow to lend
Hi Lenders in Prosperland!? I am?now a somewhat seasoned?lender.? I learned a lot with my last experiment borrowing to lend such as spread out the bids, try to do some risk analysis, and bid on?a variety of credit ratings (NOTE: If the interest rate is insanely high, it is insanely high for a reason).? Despite the not so stellar results I received, I still paid off my loan just fine.? Once again, I will rely on the cuteness of my children to inspire confidence and bidding.? The boy child is almost ready to hit the job market and generate family income!

If not the cuteness of my children, perhaps my financial situation will give you the confidence needed to bid.
I have been employed full time?at the same company for over?12 years as a Software Development/Test Engineer.? I have nice, steady income from that as well as doing a little math tutoring on the side.? More importantly, if every single loan that I make defaults, I sell around 80 shares of Microsoft stock (heck, maybe it will even be just 70 shares in the not too distant future!)?and everyone that lent me money gets paid back!? How can you lose?

Monthly income around 5K
Monthly expenses: House around 2K
Groceries: Around 800
Car Payment: No Car Payment
Utilities: Around 600
Crap my wife buys: Usually around 400-800 a month.? It is a constant surprise why the heck we need some of this stuff.

Note that the revolving Credit Balance includes my Home Equity Line of Credit, which paid for two house remodels... one of which was to convert our garage into a sparage for my wife's massage business.? As is always the case, her income in not counted as part of the Prosper stated income, nor is it part of the rough guesstimates I've included in my listing.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MsTabbyKats$25.00$25.009/16/2009 5:23:50 PM
Schmoot$50.00$50.009/18/2009 2:07:58 PM
sunshine1965$25.00$25.009/19/2009 1:55:49 PM
loanman2007$75.00$75.009/23/2009 5:23:17 AM
Dollars4Rent$25.00$25.009/24/2009 3:05:42 PM
swissbanker$100.00$100.009/25/2009 8:55:16 PM
JDLanier$25.00$25.009/25/2009 9:37:49 PM
sbv1689$25.00$25.009/28/2009 6:50:26 AM
Chris88ace$25.64$25.649/28/2009 9:04:20 AM
FishDawg$200.00$134.699/28/2009 12:17:25 PM
jybank$100.00$100.009/28/2009 4:54:37 PM
chill32151$117.14$117.149/28/2009 7:59:40 PM
wwwUniversal$25.00$25.009/29/2009 12:52:28 PM
payontime1$50.00$50.009/29/2009 12:11:41 PM
kf88$50.00$50.009/29/2009 4:37:41 PM
Oak-Parker$25.00$25.009/30/2009 5:18:48 AM
quiggles$25.00$25.009/30/2009 6:16:49 AM
SpotLending$50.00$50.009/30/2009 6:21:07 AM
martymaniaman$50.00$50.009/30/2009 10:40:51 AM
appcoder$55.00$55.009/30/2009 3:58:37 PM
kinetic-social$25.00$25.009/30/2009 3:47:46 PM
best-generosity-financier$25.00$25.009/30/2009 3:58:30 PM
The-Lighthouse-Group$25.00$25.009/16/2009 7:29:10 PM
blot44$50.00$50.009/17/2009 4:25:48 PM
hellasow$25.00$25.009/20/2009 1:04:43 PM
SchaeferJ$25.00$25.009/22/2009 12:35:09 PM
IrrationalPi$28.48$28.489/23/2009 5:28:58 PM
Dollars4Rent$25.00$25.009/24/2009 3:05:23 PM
Personal-Bond$39.05$39.059/25/2009 12:08:15 PM
swiftsoul$25.00$25.009/25/2009 12:17:44 PM
PrinceValium$25.00$25.009/25/2009 2:36:19 PM
generous-deal6$200.00$200.009/25/2009 10:54:40 PM
plbquic$25.00$25.009/26/2009 7:06:18 PM
FishDawg$200.00$200.009/28/2009 12:18:36 PM
dsparrow$25.00$25.009/28/2009 10:36:32 PM
Astyanax$50.00$50.009/29/2009 2:24:05 PM
YummiBear$25.00$25.009/29/2009 8:48:01 PM
bondhedger$25.00$25.009/29/2009 9:49:27 PM
mobius_titan$25.00$25.009/30/2009 4:16:47 AM
astro128$25.00$25.009/30/2009 12:07:03 PM
the-profit-oracle$25.00$25.009/30/2009 2:12:03 PM
41 bids
 
Borrower Payment Dependent Notes Series 424700
This series of Notes was issued and sold upon the funding of the borrower loan #38820, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 14 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Sep-16-2009 
  Auction end date:  Sep-30-2009 
 
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: 14.27% - 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: 8 First credit line: Jul-1999 Debt/Income ratio: 43%
Credit score: 620-640 (Aug-2009) Current / open credit lines: 21 / 18Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 81Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $141,070 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: Advisor_Ryan Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 620-640 (Latest)
Principal borrowed: $18,000.00< mo. late: 0 ( 0% )  
600-620 (Jul-2009)
640-660 (Aug-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 8  
Description
Get rid of a few nasty credit cards
Please Bid With Confidence!

Purpose of loan:
Thanks for considering my loan!? My name is Ryan and I am a financial advisor for a large national firm.? I am married with two daughters and one son who are?ages 5, 3?and 1.? I own my primary residence in?Salem?and a 4-Unit?rental property in Fargo, North Dakota.?

My financial situation:
Great!? I have enough income to meet my immediate needs.??I have no late payments on my?credit?history and you?can be rest assured that there NEVER will be!? My credit score is a little lower than it should be due to high credit card balances.??I have been extremely stupid with debt in the past and am working my hardest to get these?cards taken care of.?? The high credit card balance reporting is a little misleading should be?$40,000 lower due to Home Equity Line that is reporting incorrectly.? Please bid with confidence as this loan will be paid early EVERY month and will be completely?paid-off before the 3 year term is up.? I had a previous Prosper loan that was used to purchase a new furnace, gutters and soffit for?a rental property along with some other minor repairs.? This loan was paid-off early.

Card to be paid off:

Discover:? $2,000 at 29.9%

The rest of my cards have decent rates of 4.99 - 12.99% with a few smaller balances at higher rates.

Monthly net income: $ 6550.00 (Including my wife at?$1000/month and?our rental at?$1800/month)

Monthly expenses:?
??Primary Mortgage(T&I): $?1028??
? Insurance: $ 30
??Car expenses: $ 200
??Utilities: $?76
??Phone, cable, internet: $ 82
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 827
??Other expenses: $ 100
??Rental Property Mortgage(T&I): $?1408??
? Other Rental Property Expenses: $ 150
TOTAL:? $4201

You can see my debt-to-income ratio is high (64%)?because of the rental property, which does cash-flow by itself.? With the rental income and expenses removed, by DTI is a?little?more manageable at 55%.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.009/16/2009 4:13:11 PM
Jasmel$50.00$50.009/16/2009 5:28:22 PM
well-mannered-income3$25.00$25.009/29/2009 4:06:35 PM
keen-liberty9$50.00$50.009/29/2009 5:35:01 PM
wbwill$25.00$25.009/29/2009 9:36:13 PM
kingbob$25.00$25.009/30/2009 11:29:15 AM
SqueezeTheNeedy$67.63$67.639/30/2009 1:27:37 PM
dime-worker$25.00$25.009/30/2009 2:16:23 PM
Bidders$100.00$100.009/30/2009 2:05:19 PM
rustysailor$35.00$35.009/29/2009 7:27:02 PM
best-generosity-financier$50.00$50.009/29/2009 9:37:38 PM
Engineer44$25.00$25.009/30/2009 9:31:54 AM
bronzmajom$25.00$25.009/30/2009 1:46:51 PM
Abed-nego$1,000.00$1,000.009/30/2009 1:20:16 PM
LAKETIME$100.00$100.009/30/2009 2:48:00 PM
Abed-nego$500.00$315.469/30/2009 3:56:56 PM
Bill88$56.91$56.919/30/2009 3:57:56 PM
17 bids
 
Borrower Payment Dependent Notes Series 424756
This series of Notes was issued and sold upon the funding of the borrower loan #38830, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: D Auction Duration: 14 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Sep-17-2009 
  Auction end date:  Sep-30-2009 
 
Starting lender yield: 28.25% Starting borrower rate/APR: 29.25% / 31.62% Starting monthly payment: $273.27
Final lender yield: 25.35% Final borrower rate/APR: 26.35% / 28.68% Final monthly payment: $263.10
 
Auction yield range: 11.27% - 28.25% 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: Sep-1989 Debt/Income ratio: 36%
Credit score: 740-760 (Sep-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 47Length of status:20y 10m
Amount delinquent: $0 Revolving credit balance: $19,017 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: p2p-guard Borrower's state: SouthDakota 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 an upside-down car
Purpose of loan:
This loan will be used to?pay off?the difference between what I'm selling my truck for and the balance remaining on the note.

My financial situation:
I am a good candidate for this loan because:

I have worked diligently and eliminated $50,000 in unsecured debt over the past two years.? I already have a reliable, paid-for vehicle, and no longer want or
need a large car loan.??The?vehicle I am selling and?paying off is a 2009 Toyota Tacoma and has a monthly payment of $558.?I can easily afford the payment on this new loan in place of that car loan.? Our total gross household income is approximately $150,000. By taking this step, I am reducing my total debt picture and will be able to continue my plan of being completely?debt-free within 3 years.

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: How much are you selling the truck for or do you already have it sold? - decisive-dough
A: I have a dealership that has given me a firm offer of $26,000 for the truck. My plan is to advertise on AutoTrader.com (and other local sites) for about a week once I have secured a loan for the difference. The private party retail is about $27,000. My payoff is around $32,300, and if I am able to sell privately for more than the dealer offer, I will apply those extra funds to the Prosper loan. (Sep-26-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
thedreamer$25.00$25.009/17/2009 4:44:41 PM
delivery$25.00$25.009/17/2009 4:44:51 PM
secobarbital$25.00$25.009/17/2009 4:43:09 PM
slcchad$25.00$25.009/17/2009 4:45:35 PM
YoungSuccessLLC$25.00$25.009/17/2009 4:49:15 PM
lagnisiruk$25.00$25.009/17/2009 4:55:17 PM
neighborly-bid$25.00$25.009/17/2009 5:35:27 PM
purdue98$25.00$25.009/17/2009 6:20:13 PM
Helenska11$25.00$25.009/17/2009 6:41:26 PM
flexiboy35$25.00$25.009/17/2009 7:30:21 PM
CarDealer3070$30.00$30.009/17/2009 4:45:22 PM
bazaar-tulip$25.00$25.009/17/2009 4:51:21 PM
intuitive-deal5$25.00$25.009/18/2009 5:13:12 AM
wyosully$25.00$25.009/18/2009 7:52:53 AM
poeman$25.00$25.009/18/2009 8:14:06 AM
SNH$50.00$50.009/18/2009 9:46:56 AM
TheBaldGuy$25.00$25.009/18/2009 2:23:09 PM
anton$25.00$25.009/18/2009 4:08:34 PM
momoney2lend$25.00$25.009/18/2009 8:42:03 PM
AntiKris$25.00$25.009/19/2009 5:53:25 AM
Gibbyland$50.00$50.009/19/2009 12:01:59 PM
Viamin$25.00$25.009/20/2009 1:22:04 AM
saffron4$25.00$25.009/20/2009 9:47:18 AM
impressive-loan$50.00$50.009/20/2009 11:36:57 AM
biz20$25.00$25.009/20/2009 11:28:45 AM
platinum-cub$25.00$25.009/20/2009 3:56:51 PM
bigbryan98$25.00$25.009/20/2009 12:58:33 PM
turboshop$33.00$33.009/20/2009 6:26:30 PM
jps888$25.00$25.009/20/2009 3:41:43 PM
heroic-benefit$25.00$25.009/21/2009 9:34:50 AM
MARWARISETH$25.00$25.009/21/2009 12:09:22 PM
RadCad1$25.00$25.009/21/2009 1:44:36 PM
coolspeed$25.00$25.009/21/2009 4:39:53 PM
noble-revenue$30.76$30.769/21/2009 10:08:23 PM
Cpay2Me$25.00$25.009/21/2009 7:28:49 PM
djh47a$25.00$25.009/22/2009 9:39:15 AM
kegs$100.00$100.009/22/2009 10:14:12 AM
personal-lender$25.00$25.009/22/2009 10:19:13 AM
seisen$50.00$50.009/22/2009 10:20:04 AM
boghdan2000$25.00$25.009/22/2009 9:07:27 AM
capital-galaxy$75.00$75.009/22/2009 10:18:05 AM
larrybird$95.00$95.009/22/2009 10:53:35 AM
Sateesh$49.12$49.129/22/2009 3:02:09 PM
firewomin$25.00$25.009/22/2009 3:27:00 PM
richrobe$25.00$25.009/22/2009 4:22:07 PM
quintilian$25.00$25.009/22/2009 3:57:35 PM
Kaj$25.00$25.009/22/2009 5:31:57 PM
Student_Capital$50.00$50.009/23/2009 12:13:43 AM
YQQ$25.00$25.009/23/2009 8:23:56 AM
fuzed$25.00$25.009/23/2009 10:52:13 AM
upc_tnt$25.00$25.009/23/2009 5:22:15 PM
yomanie$25.00$25.009/23/2009 5:32:25 PM
benroo$25.00$25.009/24/2009 11:05:03 AM
justice-dna$25.00$25.009/24/2009 3:41:39 PM
JohnSmallberries$25.00$25.009/24/2009 4:36:01 PM
Havana21$25.00$25.009/24/2009 11:37:04 PM
bid-papyrus$25.00$25.009/25/2009 8:58:11 AM
KiwiElf$25.00$25.009/25/2009 11:32:20 AM
karmanxten$250.00$250.009/25/2009 10:59:37 AM
generous-deal6$25.00$25.009/25/2009 10:52:25 AM
dcmotorcyclemayhem$25.00$25.009/25/2009 6:32:05 PM
foothillender$25.00$25.009/26/2009 7:09:34 AM
drummer427$25.00$25.009/26/2009 10:53:40 AM
lillian27$25.00$25.009/27/2009 12:42:05 PM
deepblue34$30.00$30.009/27/2009 7:42:49 PM
jybank$25.00$25.009/27/2009 7:40:33 PM
InvestorPartners$25.00$25.009/28/2009 1:07:37 AM
festeringsnot$25.00$25.009/28/2009 1:57:45 AM
panda_panda$100.00$100.009/28/2009 9:08:59 AM
honorable-yield$25.00$25.009/28/2009 1:37:09 PM
Aaron_Oz$25.00$25.009/28/2009 10:46:17 AM
samo102us$25.00$25.009/28/2009 4:55:36 PM
dparkhom$25.00$25.009/28/2009 4:55:44 PM
money-vista$25.00$25.009/28/2009 5:05:51 PM
runner262$25.00$25.009/28/2009 5:06:34 PM
ChrisTJ$25.00$25.009/28/2009 5:07:11 PM
red-favorable-basis$25.00$25.009/28/2009 8:42:29 PM
inventive-exchange$25.00$25.009/29/2009 9:35:01 AM
earlybird172961$36.02$36.029/29/2009 8:48:51 AM
aha6297$43.22$43.229/29/2009 1:08:50 PM
unk1911$25.00$25.009/29/2009 2:46:58 PM
rmachi$25.00$25.009/29/2009 2:33:02 PM
JDFuego$25.00$25.009/29/2009 2:33:06 PM
KevinC_63366$25.00$25.009/29/2009 4:40:25 PM
HunterSix$25.00$25.009/29/2009 4:41:10 PM
natecam$25.00$25.009/29/2009 4:41:25 PM
forthright-durability$25.00$25.009/29/2009 7:08:38 PM
zento$25.00$25.009/29/2009 5:30:53 PM
TaoPooh$25.00$25.009/30/2009 9:57:14 AM
GMPK_TLAS$25.00$25.009/17/2009 4:45:13 PM
NELNET$31.54$31.549/17/2009 8:25:07 PM
snoopey100$25.00$25.009/17/2009 4:49:58 PM
Raser$25.00$25.009/18/2009 6:09:17 AM
sharpchicago$25.00$25.009/18/2009 6:33:24 AM
ddimports$25.00$25.009/18/2009 9:52:03 AM
deal-pinnacle7$25.00$25.009/18/2009 10:56:46 AM
Mantis75$25.00$25.009/18/2009 12:01:32 PM
treasure-bliss$50.00$50.009/18/2009 11:51:03 AM
ChamelEian$42.00$42.009/18/2009 12:13:56 PM
zone8$25.00$25.009/18/2009 1:17:00 PM
bagus$25.00$25.009/18/2009 1:57:18 PM
HoyaHeel$25.00$25.009/18/2009 2:01:43 PM
Silverling6$28.55$28.559/18/2009 4:47:13 PM
dzn512$50.00$50.009/18/2009 6:02:09 PM
chief_wo$25.00$25.009/19/2009 7:27:40 AM
Halos2002$50.00$50.009/19/2009 5:46:53 AM
MidnightBank$25.00$25.009/19/2009 7:28:10 AM
drg6289$25.00$25.009/19/2009 11:23:09 AM
crippledcircus$50.00$50.009/19/2009 2:39:19 PM
davlbrwn$25.00$25.009/19/2009 3:57:51 PM
JohnSynge$50.00$50.009/20/2009 1:56:43 AM
hawkhelp$25.00$25.009/20/2009 6:52:03 AM
seasonedinvestor$25.00$25.009/20/2009 7:41:55 AM
Phantom99$25.00$25.009/20/2009 8:11:53 AM
4mydaughterseducation$50.00$50.009/20/2009 11:49:43 AM
Bookophile$25.00$25.009/20/2009 1:28:13 PM
MoNeYMaN5$25.00$25.009/20/2009 7:22:00 PM
Shepherd7$25.00$25.009/20/2009 5:38:05 PM
louisianalender$100.00$100.009/21/2009 12:32:28 AM
WorldlyWorker$25.00$25.009/21/2009 9:44:13 AM
credit-bloom$25.00$25.009/21/2009 11:04:26 AM
riversmoke$25.00$25.009/22/2009 6:44:07 AM
visionary-currency$25.00$25.009/22/2009 7:52:26 AM
lovely-return7$25.00$25.009/22/2009 9:35:25 AM
turbine5$25.00$25.009/22/2009 3:57:00 PM
UCLA4life$25.00$25.009/22/2009 7:52:53 PM
FeedTheMachine$110.33$110.339/22/2009 5:07:33 PM
Dreams4Cash$25.00$25.009/22/2009 9:33:38 PM
cash-tiramisu$250.00$250.009/23/2009 9:32:47 AM
deal-secret-agent$25.00$25.009/23/2009 8:07:11 AM
Artist_Blue$25.00$25.009/23/2009 8:23:34 AM
westsidehighway$25.00$25.009/23/2009 8:23:09 AM
intelligent-yield$25.00$25.009/23/2009 11:39:26 AM
PatRichi$25.00$25.009/23/2009 1:47:05 PM
spitzbergen$25.00$25.009/23/2009 2:58:36 PM
dinero-mason$50.00$50.009/23/2009 1:47:20 PM
mikeyp411$25.00$25.009/23/2009 2:53:49 PM
icon7$25.00$25.009/24/2009 10:52:42 AM
bmbanzai$25.00$25.009/24/2009 6:24:17 PM
mathprof$25.00$25.009/24/2009 5:54:13 PM
affluence-tycoon$50.00$50.009/24/2009 6:27:05 PM
element40$50.00$50.009/25/2009 8:28:08 AM
Share_The_Wealth$40.65$40.659/25/2009 6:32:00 AM
selfmademan$25.00$25.009/25/2009 8:54:44 AM
momentous-gold$25.00$25.009/25/2009 1:28:05 PM
bronzmajom$25.00$25.009/25/2009 5:11:35 PM
gracej$25.00$25.009/26/2009 6:47:14 AM
101010$100.00$100.009/25/2009 8:23:34 PM
jgar_O$25.00$25.009/27/2009 9:29:19 AM
Raven39$25.00$25.009/28/2009 8:12:39 AM
rosario1$25.00$25.009/28/2009 8:47:01 AM
rapid-power2$25.00$25.009/28/2009 9:33:03 AM
Unitas4302$83.17$83.179/28/2009 5:13:28 AM
lasalle123$50.00$50.009/28/2009 11:35:36 AM
power-collider$25.00$25.009/28/2009 11:48:29 AM
a-healthy-affluence$50.00$50.009/28/2009 9:36:21 AM
87Marc$25.00$25.009/28/2009 11:12:09 AM
capital-musician9$25.00$25.009/28/2009 11:39:45 AM
IIP77$25.00$25.009/28/2009 11:22:47 AM
AF_Trust$25.00$25.009/28/2009 2:42:49 PM
dbluesea$25.00$25.009/28/2009 3:47:57 PM
SNL_Svs$25.00$25.009/28/2009 5:06:07 PM
CPAMAN$25.00$25.009/28/2009 4:59:50 PM
MicroPod$25.00$25.009/28/2009 5:00:06 PM
crenen139$25.00$25.009/28/2009 5:00:36 PM
azncurls82$25.00$25.009/28/2009 5:06:50 PM
MechEngLender$27.27$27.279/28/2009 9:07:48 PM
wilmajean$50.00$50.009/28/2009 10:45:41 PM
payingit4ward$50.00$50.009/29/2009 4:02:28 AM
rhin0cerx$50.00$50.009/29/2009 11:32:15 AM
mustang9935$25.00$25.009/29/2009 9:34:04 AM
MissionMicroFinance$25.00$25.009/29/2009 10:45:56 AM
DramaticGopher$25.00$25.009/29/2009 2:33:49 PM
jonn834$25.00$25.009/29/2009 12:53:33 PM
decisive-dough$25.00$25.009/29/2009 2:10:09 PM
cttarheel$50.00$50.009/29/2009 6:11:33 PM
zeelender$25.00$25.009/29/2009 4:40:17 PM
biobulator$25.00$19.849/29/2009 4:41:29 PM
DreamsDoComeTrue$119.53$119.539/29/2009 8:14:04 PM
pouch1$25.00$25.009/29/2009 6:35:18 PM
gold-cluster$100.00$100.009/29/2009 6:53:18 PM
icanloanit2u$25.00$25.009/30/2009 5:46:58 AM
investment-visionary$25.00$25.009/30/2009 9:09:02 AM
spitzbergen$50.00$50.009/30/2009 9:16:58 AM
ZOOOM$25.00$25.009/30/2009 9:56:55 AM
dkhonda$50.00$50.009/30/2009 10:30:28 AM
186 bids
 
Borrower Payment Dependent Notes Series 425388
This series of Notes was issued and sold upon the funding of the borrower loan #38808, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 14 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Sep-22-2009 
  Auction end date:  Sep-29-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 28.90% Final monthly payment: $39.76
 
Auction yield range: 8.27% - 34.00% Estimated loss impact: 7.07%  
Lender servicing fee: 1.00% Estimated return: 16.93%  
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-1983 Debt/Income ratio: 3%
Credit score: 660-680 (Sep-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 12Length of status:4y 0m
Amount delinquent: $7,522 Revolving credit balance: $6,283 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40%Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 3    
Screen name: DINAK 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 Prosper Credit
Purpose of loan:
I will be using this loan?really to rebuild credit in my name. I am going to add this to my secured credit card and increase my credit limit to $1500 from $500 and collect the 6.125% APR on it while at the same time helps my credit history and score by gaining open credit and showing payment history to prosper.

My financial situation:
I am a good candidate for this loan because this is really such a small loan for me?and I really don't need the money I am putting it directly into?my existing?interest bearing secured credit card.

Monthly net income:

Varies with?overtime. $5,000 - $7,000?

40k in 401k.
5k in checking.

I am a prosper lender. Check lendingstats.

Monthly expenses:?

Rent - $1130
Food - $400
Utilities - $200
Entertainment - $200
Prosper Loan in Wife's Name - $558
Credit Cards - $60
Merchanside?Cards - $30


* note my bankcard utilization is really under 10%. I have a joint account with my father on a $15,000 card that he has $6,000 on it that's his. I have worked very hard over the last 2 years and paid off $35,000 of debt.
Please give me a chance in my name to get a prosper loan established.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
d_grbg$35.00$35.009/22/2009 4:45:37 PM
4est$25.00$25.009/22/2009 4:51:34 PM
mmzero$25.00$25.009/22/2009 4:55:43 PM
YoungSuccessLLC$25.00$25.009/22/2009 4:58:06 PM
SDD123$25.00$25.009/23/2009 7:24:04 AM
GS-ROCK$25.00$25.009/23/2009 8:57:44 PM
mrbill5548$50.00$50.009/23/2009 10:17:03 PM
interstellar$50.00$50.009/25/2009 12:57:16 PM
EEasyMoney$25.00$25.009/25/2009 2:40:21 PM
natejx$25.00$25.009/25/2009 2:47:09 PM
Syzygy$25.00$25.009/25/2009 6:15:19 PM
AuroraRobbin$50.00$50.009/26/2009 3:18:13 PM
unbeatable-wealth$25.00$25.009/26/2009 8:20:42 PM
Bigheadboy$25.00$25.009/28/2009 5:32:35 PM
Workaholic79$182.00$182.009/29/2009 9:41:02 AM
return-owner$25.00$25.009/29/2009 2:38:09 PM
WolRab$25.00$25.009/22/2009 4:55:07 PM
five-star-justice$36.00$36.009/22/2009 4:44:49 PM
Approved1234$25.00$25.009/22/2009 4:47:21 PM
IPG1$25.00$25.009/23/2009 4:24:43 PM
SeaSkyGuy71$25.00$25.009/23/2009 10:25:12 PM
M_V$54.35$54.359/24/2009 4:42:55 PM
propertytransformer$25.00$25.009/24/2009 3:54:40 PM
ShermanSteve$50.00$50.009/26/2009 8:49:04 AM
turbobunny$25.00$25.009/28/2009 4:17:43 PM
4mydaughterseducation$25.00$25.009/28/2009 4:55:02 PM
PalmTreeIsland$26.43$26.439/28/2009 5:14:15 PM
etraboulay$61.61$16.229/29/2009 9:54:53 AM
28 bids
 
Borrower Payment Dependent Notes Series 426110
This series of Notes was issued and sold upon the funding of the borrower loan #38823, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,025.00 Prosper Rating: C Auction Duration: 14 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Sep-29-2009 
  Auction end date:  Oct-01-2009 
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $118.17
Final lender yield: 21.65% Final borrower rate/APR: 22.65% / 24.92% Final monthly payment: $116.55
 
Auction yield range: 8.27% - 22.68% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.14%  
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: Dec-1972 Debt/Income ratio: 33%
Credit score: 700-720 (Sep-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:10y 3m
Amount delinquent: $0 Revolving credit balance: $28,444 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: generosity-statesperson 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
Paying off medical expenses
Purpose of loan:
This loan will be used to? pay off medical expenses from a surgery.

My financial situation:
I am a good candidate for this loan because? steady job and possible early repayment after tax season.

Monthly net income: $ 1860

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 80
??Car expenses: $ paid off
??Utilities: $?0
??Phone, cable, internet: $ 130
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $ 400
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kumpa2u$25.00$25.009/29/2009 4:03:39 PM
OCBLUE$25.00$25.009/29/2009 4:04:48 PM
the-profit-oracle$25.00$25.009/29/2009 4:04:52 PM
bowerz$25.00$25.009/29/2009 4:05:04 PM
Cutts$25.00$25.009/29/2009 4:05:18 PM
capital-galaxy$50.00$50.009/29/2009 4:05:33 PM
skibum65$50.00$50.009/29/2009 4:05:42 PM
GreenBuilder247$25.00$25.009/29/2009 4:05:49 PM
Turkish101$25.00$25.009/29/2009 4:06:42 PM
ah-long$25.00$25.009/29/2009 4:07:10 PM
theopposites$25.00$25.009/29/2009 4:07:11 PM
crazycool$25.00$25.009/29/2009 4:07:22 PM
skuba$25.00$25.009/29/2009 4:07:27 PM
MARSTUN$50.00$50.009/29/2009 4:07:30 PM
cyberie21$40.00$40.009/29/2009 4:07:47 PM
SNH$25.00$25.009/29/2009 4:07:58 PM
bigdogsafety1$25.00$25.009/29/2009 4:03:44 PM
GMPK_TLAS$45.00$45.009/29/2009 4:04:41 PM
iolaire$25.00$25.009/29/2009 4:05:20 PM
tornandfrayed$25.00$25.009/29/2009 4:05:25 PM
ALVO$47.08$47.089/29/2009 4:05:31 PM
wdove511$25.00$25.009/29/2009 4:05:51 PM
geniusj$25.00$25.009/29/2009 4:05:56 PM
mmckune$25.00$25.009/29/2009 4:06:08 PM
Zipline$25.00$25.009/29/2009 4:07:06 PM
PatRichi$25.00$25.009/29/2009 4:07:38 PM
Veloce$25.00$25.009/29/2009 4:07:46 PM
miked8303$25.00$25.009/29/2009 4:03:36 PM
zoomdrm57$25.00$25.009/29/2009 4:04:06 PM
elated-justice$25.00$25.009/29/2009 4:04:38 PM
lisyuan$25.00$25.009/29/2009 4:05:07 PM
atllender$25.00$25.009/29/2009 4:05:36 PM
4mydaughterseducation$50.00$50.009/29/2009 4:05:43 PM
takabanana$25.00$25.009/29/2009 4:05:45 PM
Hogpilot$25.00$25.009/29/2009 4:06:01 PM
glalat$25.00$25.009/29/2009 4:06:59 PM
spitzbergen$25.00$25.009/29/2009 4:07:04 PM
utukxul$25.00$25.009/29/2009 4:07:07 PM
hanuman77$33.21$33.219/29/2009 4:07:14 PM
Supernick$25.00$25.009/29/2009 4:07:19 PM
coolspeed$25.00$25.009/29/2009 4:07:34 PM
JohnW12$25.00$25.009/29/2009 4:08:03 PM
brazilofmux$100.00$98.719/29/2009 4:08:10 PM
bid-wonder$25.00$25.009/29/2009 4:20:30 PM
interstellar$50.00$50.009/29/2009 5:59:55 PM
Capital_Infusion$30.00$30.009/29/2009 8:32:45 PM
dudebrah$25.00$25.009/30/2009 11:26:42 AM
Syzygy$25.00$25.009/30/2009 6:41:27 PM
LongTail$25.00$25.009/29/2009 4:03:42 PM
takarlstad$25.00$25.009/29/2009 4:04:40 PM
MoNeYMaN5$25.00$25.009/29/2009 4:05:32 PM
bruin558$50.00$50.009/29/2009 4:05:35 PM
BBL$25.00$25.009/29/2009 4:06:03 PM
02bob$25.00$25.009/29/2009 4:06:36 PM
bxdoc$75.00$75.009/29/2009 4:06:45 PM
fireboss$100.00$100.009/29/2009 4:06:53 PM
loiosh$25.00$25.009/29/2009 4:07:10 PM
pensacolaborn$25.00$25.009/29/2009 4:07:13 PM
Weaverville$75.00$75.009/29/2009 4:07:54 PM
snoopey100$25.00$25.009/29/2009 4:08:01 PM
five-star-justice$36.00$36.009/29/2009 4:08:18 PM
TennSquire$25.00$25.009/29/2009 4:03:33 PM
monticello$25.00$25.009/29/2009 4:04:20 PM
Dohshooter$50.00$50.009/29/2009 4:04:45 PM
gristle$25.00$25.009/29/2009 4:05:17 PM
dospapalotes$25.00$25.009/29/2009 4:05:23 PM
drummer427$25.00$25.009/29/2009 4:05:30 PM
GRI$50.00$50.009/29/2009 4:05:40 PM
Frenchynh$25.00$25.009/29/2009 4:05:54 PM
profit33r$25.00$25.009/29/2009 4:05:59 PM
serpentine$50.00$50.009/29/2009 4:07:01 PM
Cre8iveCash$25.00$25.009/29/2009 4:07:08 PM
chlebie$50.00$50.009/29/2009 4:07:37 PM
Raser$25.00$25.009/29/2009 4:03:51 PM
Casimir$25.00$25.009/29/2009 4:04:11 PM
rain100$50.00$50.009/29/2009 4:05:02 PM
Kaj$25.00$25.009/29/2009 4:05:27 PM
dimitrip1024$25.00$25.009/29/2009 4:05:38 PM
Mymoney4loan$25.00$25.009/29/2009 4:05:47 PM
KLCRAY$50.00$50.009/29/2009 4:06:06 PM
P7E$40.00$40.009/29/2009 4:07:02 PM
herbyman$25.00$25.009/29/2009 4:07:05 PM
matt84003$25.00$25.009/29/2009 4:07:13 PM
fizwahh$30.00$30.009/29/2009 4:07:50 PM
CarDealer3070$25.00$25.009/29/2009 4:07:57 PM
Ven58$25.00$25.009/29/2009 4:20:08 PM
zento$25.00$25.009/29/2009 5:22:29 PM
Bank_Of_XL$100.00$100.009/30/2009 7:05:43 AM
AuroraRobbin$50.00$50.009/30/2009 9:49:38 AM
Sol_Invictus$25.00$25.0010/1/2009 6:58:23 AM
thebenjamins$25.00$25.0010/1/2009 10:34:50 AM
91 bids
 
Borrower Payment Dependent Notes Series 423621
This series of Notes was issued and sold upon the funding of the borrower loan #38876, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,900.00 Prosper Rating: A Auction Duration: 14 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Sep-23-2009 
  Auction end date:  Oct-07-2009 
 
Starting lender yield: 10.33% Starting borrower rate/APR: 11.33% / 13.45% Starting monthly payment: $128.29
Final lender yield: 10.33% Final borrower rate/APR: 11.33% / 13.45% Final monthly payment: $128.29
 
Auction yield range: 4.27% - 10.33% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-760 (Sep-2009) Current / open credit lines: 12 / 9Employment status:Self-employed
Now delinquent: 0 Total credit lines: 29Length of status:11y 8m
Amount delinquent: $0 Revolving credit balance: $14,848 Occupation: Scientist
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 56%Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: DrScience Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 740-760 (Latest)
Principal borrowed: $11,900.00< mo. late: 0 ( 0% )  
740-760 (Sep-2008)
740-760 (Aug-2008)
740-760 (Jul-2008)
720-740 (Aug-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Cash to replace Clunker
10% debt to income ratio

Purpose of Loan

To purchase used car, replacing 20+ yr-old clunker on its last?wheels. Banks, credit unions & auto dealers?won't finance purchase less than $5K. But we don't need a $5K car. There are plenty of good used cars for $3-4K, both at dealerships?& from private owners. Problem is, they are only "cash & carry". So, PROSPER is our best financing option.

Credit Record

Credit is excellent, NO delinquencies (DQs) outside bankruptcy (BK ? see below). In fact, I have paid more than the minimum, NEVER LATE, on all accounts before & after BK.

The 1 public record in my profile is the BK, which ended Feb '05. All DQs are from the BK only, when existing accounts default and ?charged-off" -- 8 were card accounts for me & my wife, the rest were medical accounts from health emergency in 2004. Perfect payment history prior to BK; perfect history after. And BK is forbidden for at least 7 years.

With both W-2 & SE income, Prosper won't show DTI.?However, as advised by Lenders, calculation using Prosper formula (see I & E) is:

DTI = (517 +?129 this loan) / 6400 = 10%.

Repayment

Net funds are $715/mo, more than?sufficient to make payments.

My Story

Due to deferred income as officer of a technology company, I had to file for Chapter 7 bankruptcy in 2004 (hardest thing I've ever done). I now have a full-time contract as Chief Scientist at my former company, and also a large & growing stream of income as both a professional tutor and technology consultant, which together provide a much more stable & substantially higher income; I am no longer a starving scientist.

MONTHLY I & E

Gross Income

Full-time?(W-2)?4000
Tutoring?2500
IT Consulting?1000

Total?7500
Net (after taxes) $6400

Expenses

Health Ins?855
Credit Pymt?517
Mrtg & Ins 2978
Living?1335

Total?$5685

Questions Welcome!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
the-profit-oracle$25.00$25.0010/2/2009 2:07:00 PM
tohru$45.00$45.0010/6/2009 7:15:06 AM
1traveler$25.00$25.0010/6/2009 10:05:37 PM
djmjkelso$25.00$25.0010/6/2009 11:05:33 PM
vigorous-moola$25.00$25.0010/7/2009 10:29:22 AM
dubois31$50.00$50.0010/7/2009 2:49:31 PM
asya$50.00$50.0010/7/2009 3:51:16 PM
well-mannered-income3$25.00$25.0010/7/2009 3:17:57 PM
ultimatepaintball$25.00$25.0010/7/2009 3:37:06 PM
best-generosity-financier$50.00$50.0010/5/2009 4:22:12 PM
Light_Verity$400.00$400.0010/5/2009 8:05:00 PM
soular21804$25.00$25.0010/7/2009 12:16:49 PM
LAKETIME$25.00$25.0010/7/2009 3:18:04 PM
lateflight$25.00$25.0010/7/2009 3:32:04 PM
PPLIN810$50.00$50.0010/7/2009 1:19:38 PM
Happyhourcomics$25.00$25.0010/7/2009 11:53:37 AM
anton$3,200.00$2,850.0010/7/2009 3:13:28 PM
vigman777$25.00$25.0010/7/2009 3:25:56 PM
Clicktogetmoney$30.00$30.0010/7/2009 3:27:10 PM
iamcriswoh$25.00$25.0010/7/2009 3:29:23 PM
Skulljocky$50.00$50.0010/7/2009 3:19:28 PM
I_want_to_help_you$25.00$25.0010/7/2009 3:36:42 PM
22 bids
 
Borrower Payment Dependent Notes Series 425507
This series of Notes was issued and sold upon the funding of the borrower loan #38836, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 14 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Sep-23-2009 
  Auction end date:  Oct-07-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $135.71
 
Auction yield range: 17.27% - 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: 4 First credit line: Nov-1989 Debt/Income ratio: 11%
Credit score: 640-660 (Sep-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 33Length of status:3y 2m
Amount delinquent: $260 Revolving credit balance: $1,267 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 33 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: tycoon944 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 640-660 (Latest)
Principal borrowed: $1,200.00< mo. late: 0 ( 0% )  
620-640 (Aug-2008)
 
Principal balance: $899.89 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Paying off last of credit cards
Purpose of loan:
This loan will be used to pay off the last of my creidt cards and get it all into one monthly payment.? It would help me so much.

My financial situation:
I am a good candidate for this loan because I took out a loan with Prosper a year ago and have NEVER been late.? I have also raised my credit score quite a bit since I last applied with Prosper.? I'm still high risk I know, but I'm trying so hard. In won't let you down.

Monthly net income: $ 3400.00

Monthly expenses: $
??Housing: $ NA husband pays it
??Insurance: $ NA employer pays it
??Car expenses: $ 305.00
??Utilities: $ NA husband pays it
??Phone, cable, internet: $150.00
?Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
GlenBank$75.00$75.009/30/2009 10:35:50 AM
Eloise62$75.00$75.0010/1/2009 9:43:36 AM
unk1911$25.00$25.0010/5/2009 4:57:19 PM
new-truth-chuckler$25.00$25.0010/6/2009 5:39:11 PM
umfan123$25.00$25.0010/7/2009 1:10:52 PM
branaa99$25.00$25.0010/7/2009 3:21:44 PM
LAKETIME$25.00$25.0010/7/2009 3:25:56 PM
Lender12$2,800.00$2,120.1310/7/2009 1:01:13 PM
Bidders$100.00$100.0010/7/2009 2:12:40 PM
ddimports$25.00$25.0010/7/2009 1:50:33 PM
DMKAssetManagement$50.00$50.0010/7/2009 2:56:08 PM
beans53$25.00$25.0010/7/2009 2:37:02 PM
well-mannered-income3$25.00$25.0010/7/2009 3:13:29 PM
fireferd$100.00$100.0010/7/2009 3:50:17 PM
shawnw2$75.00$75.0010/7/2009 1:46:00 PM
The_Collector$49.87$49.8710/7/2009 2:18:51 PM
Bobusa$25.00$25.0010/7/2009 1:44:39 PM
investment-cluster$25.00$25.0010/7/2009 2:13:52 PM
umfan123$25.00$25.0010/7/2009 1:09:46 PM
wealth-pipeline$25.00$25.0010/7/2009 1:28:06 PM
Dreams4Cash$25.00$25.0010/7/2009 3:55:46 PM
Clicktogetmoney$30.00$30.0010/7/2009 3:24:11 PM
22 bids
 
Borrower Payment Dependent Notes Series 425829
This series of Notes was issued and sold upon the funding of the borrower loan #38817, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 14 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Sep-25-2009 
  Auction end date:  Sep-30-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $45.24
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
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: 2 First credit line: Feb-1996 Debt/Income ratio: 9%
Credit score: 620-640 (Sep-2009) Current / open credit lines: 3 / 4Employment status:Full-time employee
Now delinquent: 6 Total credit lines: 23Length of status:11y 0m
Amount delinquent: $20,851 Revolving credit balance: $0 Occupation: Chemist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 28 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: polymerman722 Borrower's state: NorthCarolina Borrower's group: FUTURE FINANCIAL FREEDOM 1
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 34 ( 100% ) 620-640 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
620-640 (Oct-2006)
600-620 (Oct-2006)
 
Principal balance: $68.27 1+ mo. late: 0 ( 0% )
Total payments billed: 34  
Description
pay off payday loans
I am requesting this loan to pay off 2 small payday loans that I have and the payments are really high.?? I would like to get these loans paid off and over with.I am 41years old and have worked for?11 years on my job as a chemist.???I have had a loan with Prosper and my history with them has been good.? I would like to be considered for another loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I see that your existing Prosper loan is at 15%. The new loan you seek is 'automatically funded'. Are you willing and able to pay 34%? How would that monthly payment compare to the monthly payment on your existing prosper loan? - Lender_1972
A: I am fine with the rate, as the payment on this loan is much better than the pay day loans. (Sep-27-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
suomynona$25.00$25.009/25/2009 11:57:01 AM
sweety075$25.00$25.009/27/2009 5:17:39 PM
Redleg6$25.00$25.009/28/2009 11:50:28 AM
EEasyMoney$25.00$25.009/29/2009 7:37:31 AM
AndyT1999$25.00$25.009/28/2009 9:38:02 PM
LAKETIME$25.00$25.009/29/2009 11:07:20 AM
periko$25.00$25.009/29/2009 8:42:17 PM
aquistoyraul$70.99$70.999/30/2009 3:18:28 PM
zydeco337$25.00$25.009/30/2009 4:46:50 PM
aquistoyraul$704.01$704.019/30/2009 5:47:11 PM
victor111$25.00$25.009/28/2009 1:44:57 PM
11 bids