Sales Report:Supplement No. 66 dated Oct 26, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
426100
This series of Notes was issued and sold upon the funding of the borrower loan #39074, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Sep-28-2009 |
| |
Auction end date:
| Oct-12-2009 |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $75.41 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $75.35 |
| |
|
Auction yield range:
| 8.27% - 20.06% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| May-1990 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 660-680 (Sep-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 18y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,671 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 92% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| dedicated-coin |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help me save my house
Purpose of loan:
This loan will be used to?
pay back property taxes
My financial situation:
I am a good candidate for this loan because?
I pay my bills on time,. I just used my savings to pay car repair bills.
Monthly net income: $
2485
Monthly expenses: $
??Housing: $ 545
??Insurance: $ 155
??Car expenses: $ 200
??Utilities: $ 50
??Phone, cable, internet: $150?
??Food, entertainment: $ 500
??Clothing, household expenses $ 150????????
??Credit cards and other loans: $220
??Other expenses: $ 350
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Rockymtnhi | $42.60 | $42.60 | 10/2/2009 4:40:41 PM |
| turbine5 | $25.00 | $25.00 | 10/7/2009 9:46:11 PM |
| andrewgl | $25.00 | $25.00 | 10/7/2009 9:51:29 PM |
| icon7 | $25.00 | $25.00 | 10/8/2009 4:11:06 AM |
| dinobuddy | $25.00 | $25.00 | 10/7/2009 9:00:25 PM |
| rolandweary | $40.00 | $40.00 | 10/7/2009 9:06:11 PM |
| gracej | $25.00 | $25.00 | 10/7/2009 10:32:43 PM |
| inventive-wealth2 | $25.00 | $25.00 | 10/7/2009 11:06:08 PM |
| friendly-gold | $25.00 | $25.00 | 10/7/2009 11:46:34 PM |
| Moron_Buffet | $25.00 | $25.00 | 10/8/2009 1:41:51 AM |
| loiosh | $25.00 | $25.00 | 10/8/2009 1:16:12 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/8/2009 6:11:08 AM |
| hawker | $100.00 | $53.43 | 10/8/2009 6:26:06 AM |
| junes08 | $50.00 | $50.00 | 10/8/2009 12:51:42 PM |
| investment-forte | $30.00 | $30.00 | 10/8/2009 3:13:33 PM |
| dartmouth99 | $25.00 | $25.00 | 10/8/2009 12:21:00 PM |
| LanceLink | $25.00 | $25.00 | 10/8/2009 5:00:48 PM |
| Syzygy | $25.00 | $25.00 | 10/8/2009 6:15:27 PM |
| interstellar | $34.01 | $34.01 | 10/9/2009 6:37:23 AM |
| Chrishu | $25.00 | $25.00 | 10/9/2009 7:53:03 AM |
| wild_carrot | $25.00 | $25.00 | 10/9/2009 10:59:47 AM |
| gilbrear | $25.00 | $25.00 | 10/9/2009 4:55:51 PM |
| FundMaker | $25.00 | $25.00 | 10/10/2009 9:42:36 AM |
| Feyenoord | $25.00 | $25.00 | 10/11/2009 11:43:57 AM |
| Maggie3 | $26.54 | $26.54 | 10/11/2009 1:38:45 AM |
| gothampark | $25.00 | $25.00 | 10/12/2009 9:46:10 AM |
| Tazeme | $25.00 | $25.00 | 10/12/2009 7:33:41 AM |
| LAKETIME | $25.00 | $25.00 | 10/12/2009 2:18:42 PM |
| Alexander1776 | $25.00 | $25.00 | 10/12/2009 1:42:17 PM |
| Engineer44 | $30.00 | $30.00 | 10/12/2009 4:08:55 PM |
| IPG1 | $40.70 | $40.70 | 10/5/2009 5:44:33 AM |
| income-crescendo1 | $25.00 | $25.00 | 10/8/2009 5:11:34 AM |
| rakey | $25.00 | $25.00 | 10/8/2009 6:01:10 AM |
| Approved1234 | $25.00 | $25.00 | 10/8/2009 5:12:49 AM |
| silver-armada | $50.00 | $50.00 | 10/8/2009 5:11:44 AM |
| czar3 | $30.00 | $30.00 | 10/8/2009 6:01:14 AM |
| CPAMAN | $25.00 | $25.00 | 10/8/2009 6:06:27 AM |
| CSAworker | $25.00 | $25.00 | 10/8/2009 11:44:37 AM |
| EngineersAlliance | $100.00 | $100.00 | 10/8/2009 3:06:55 PM |
| ZOOOM | $25.00 | $25.00 | 10/8/2009 2:31:35 PM |
| 101010 | $75.00 | $75.00 | 10/8/2009 9:50:21 PM |
| fantastic-cash | $25.00 | $25.00 | 10/8/2009 6:44:06 PM |
| buckeyeatheart | $25.00 | $25.00 | 10/9/2009 10:49:15 AM |
| tracyjo | $25.00 | $25.00 | 10/9/2009 10:44:35 AM |
| Easystreet | $25.00 | $25.00 | 10/9/2009 10:53:57 AM |
| aultraman | $25.00 | $25.00 | 10/9/2009 9:18:17 AM |
| redrose1518 | $50.00 | $50.00 | 10/9/2009 5:15:23 PM |
| E-B | $50.00 | $50.00 | 10/10/2009 3:50:59 AM |
| doubledb | $47.40 | $47.40 | 10/10/2009 1:59:50 PM |
| thephoenix0110 | $25.32 | $25.32 | 10/11/2009 10:29:17 AM |
| AuroraRobbin | $50.00 | $50.00 | 10/11/2009 6:22:18 PM |
| fopaul13 | $25.00 | $25.00 | 10/12/2009 9:54:42 AM |
| ohmarkybaby | $25.00 | $25.00 | 10/12/2009 5:23:55 AM |
| bitano | $50.00 | $50.00 | 10/12/2009 7:01:26 AM |
| Tazeme | $25.00 | $25.00 | 10/12/2009 7:27:35 AM |
| Skeptical-one | $25.00 | $25.00 | 10/12/2009 1:36:25 PM |
| Bigsaver | $25.00 | $25.00 | 10/12/2009 2:44:16 PM |
| Gaelicman | $50.00 | $50.00 | 10/12/2009 1:38:30 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/12/2009 3:04:52 PM |
| DMKAssetManagement | $100.00 | $100.00 | 10/12/2009 3:37:33 PM |
| 60 bids
|
Borrower Payment Dependent Notes Series
426860
This series of Notes was issued and sold upon the funding of the borrower loan #39075, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 11.33% |
Starting borrower rate/APR:
| 12.33% / 14.47% |
Starting monthly payment:
| $200.23 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $194.45 |
| |
|
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:
| Aug-2003 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 720-740 (Oct-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 14 | Length of status: | 24y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,191 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 24% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| engrossing-fund |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a used car
Purpose of loan:
This loan will be used to purchase a used car for daily commute to work.
My financial situation:
I am a good candidate for this loan because I am very responsible and I am very serious about my credits and debits. I am never late with my payments and always pay as much as I can. I currently work two jobs, which are very stable.
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:
Please provide a list of your current monthly expenses and savings. - fulfilling-commitment
A:
EXPENSES:
- rent & utilities: $400
- gas & trasportation: $120 & $116
- cell phone: $30
- school loans: $230
- credit cards: $250 - $350
- miscellaneous: $200
SAVINGS:
- about $150 - $200
(Oct-11-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DukSerduk | $25.00 | $25.00 | 10/5/2009 4:21:59 PM |
| bchen78875 | $50.00 | $50.00 | 10/5/2009 4:22:14 PM |
| GatorBait | $50.00 | $50.00 | 10/5/2009 4:23:32 PM |
| BlindProphet | $25.00 | $25.00 | 10/5/2009 4:23:56 PM |
| compoundinterest | $50.00 | $50.00 | 10/5/2009 4:24:03 PM |
| degster | $25.00 | $25.00 | 10/5/2009 4:24:17 PM |
| turbine5 | $40.00 | $40.00 | 10/5/2009 4:24:22 PM |
| gracej | $25.00 | $25.00 | 10/5/2009 4:24:34 PM |
| platinum-sorcerer6 | $25.00 | $25.00 | 10/5/2009 4:24:55 PM |
| understanding-marketplace | $100.00 | $100.00 | 10/5/2009 4:22:24 PM |
| gold-tsunami | $25.00 | $25.00 | 10/5/2009 4:22:29 PM |
| transparency-giant | $50.00 | $50.00 | 10/5/2009 4:25:22 PM |
| bazaar-tulip | $25.00 | $25.00 | 10/5/2009 4:22:59 PM |
| Barak | $80.00 | $80.00 | 10/5/2009 4:23:10 PM |
| dealarella | $25.00 | $25.00 | 10/5/2009 4:26:11 PM |
| SNH | $50.00 | $50.00 | 10/5/2009 4:24:28 PM |
| kegs | $100.00 | $100.00 | 10/5/2009 4:25:10 PM |
| radiant-fund | $25.00 | $25.00 | 10/5/2009 4:26:21 PM |
| fortytwo | $250.00 | $250.00 | 10/5/2009 4:25:28 PM |
| Cheburashka | $50.00 | $50.00 | 10/5/2009 4:30:41 PM |
| Davidson2 | $25.00 | $25.00 | 10/5/2009 4:31:39 PM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/5/2009 4:31:31 PM |
| icon7 | $25.00 | $25.00 | 10/5/2009 4:32:09 PM |
| buckyhead2000 | $25.00 | $25.00 | 10/5/2009 5:00:57 PM |
| tenacious-payout | $25.00 | $25.00 | 10/5/2009 8:04:49 PM |
| bluesheep | $25.00 | $25.00 | 10/5/2009 7:34:31 PM |
| pawsitive | $25.00 | $25.00 | 10/6/2009 8:16:24 AM |
| smallcountry | $25.00 | $25.00 | 10/6/2009 9:18:28 AM |
| djs81 | $25.00 | $25.00 | 10/6/2009 6:42:33 AM |
| generous-deal6 | $25.00 | $25.00 | 10/6/2009 11:56:08 AM |
| 34bcp23 | $25.00 | $25.00 | 10/6/2009 10:31:32 AM |
| currency-persimmon | $25.00 | $25.00 | 10/6/2009 9:31:45 AM |
| 16888 | $50.00 | $50.00 | 10/6/2009 12:18:50 PM |
| Watts518 | $25.00 | $25.00 | 10/6/2009 4:21:27 PM |
| andrewgl | $25.00 | $25.00 | 10/6/2009 6:23:44 PM |
| peace-cadence | $25.00 | $25.00 | 10/7/2009 1:58:19 AM |
| cowboyskier | $35.69 | $35.69 | 10/7/2009 10:36:04 AM |
| Artist_Blue | $25.00 | $25.00 | 10/7/2009 11:52:17 AM |
| don8ter | $48.53 | $48.53 | 10/7/2009 12:11:44 PM |
| vigman777 | $25.00 | $25.00 | 10/7/2009 3:56:25 PM |
| BzJ108 | $25.00 | $25.00 | 10/7/2009 4:04:42 PM |
| honorable-yield | $50.00 | $50.00 | 10/7/2009 5:26:58 PM |
| iolaire | $25.00 | $25.00 | 10/7/2009 5:36:41 PM |
| All_Wins | $25.00 | $25.00 | 10/7/2009 6:31:04 PM |
| progressive-rupee | $25.00 | $25.00 | 10/8/2009 9:31:51 AM |
| wdove511 | $25.00 | $25.00 | 10/8/2009 10:12:56 AM |
| market-assembler | $50.00 | $50.00 | 10/8/2009 11:12:24 AM |
| junes08 | $50.00 | $50.00 | 10/8/2009 11:46:34 AM |
| REITRUST | $25.00 | $25.00 | 10/8/2009 1:17:45 PM |
| unclejaef | $25.00 | $25.00 | 10/8/2009 10:21:26 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 10/9/2009 4:25:40 AM |
| papaman | $25.00 | $25.00 | 10/9/2009 11:28:45 AM |
| xchach1ng | $25.00 | $25.00 | 10/9/2009 8:53:14 PM |
| windpiano1962 | $25.00 | $25.00 | 10/11/2009 10:30:41 AM |
| axelducheck | $28.76 | $28.76 | 10/10/2009 11:29:46 PM |
| organic-platinum | $25.00 | $25.00 | 10/12/2009 3:11:03 AM |
| lender124 | $25.00 | $25.00 | 10/12/2009 2:50:00 PM |
| worth-matador | $25.00 | $25.00 | 10/13/2009 11:30:44 AM |
| rce1964 | $25.00 | $25.00 | 10/14/2009 10:38:40 AM |
| ritwik | $50.00 | $50.00 | 10/14/2009 2:08:33 PM |
| lizphan1 | $25.00 | $25.00 | 10/15/2009 3:12:46 PM |
| jybank | $25.00 | $25.00 | 10/17/2009 12:53:25 PM |
| GeoLender | $25.00 | $25.00 | 10/18/2009 4:02:15 AM |
| building_community | $25.00 | $25.00 | 10/17/2009 8:33:55 PM |
| Prezotus | $25.00 | $25.00 | 10/18/2009 5:26:03 AM |
| Share-the-wealth | $100.00 | $100.00 | 10/19/2009 6:57:58 AM |
| SeaLoans | $25.00 | $25.00 | 10/19/2009 9:33:43 AM |
| Walkingcowboy | $25.00 | $25.00 | 10/19/2009 10:21:11 AM |
| PotBellyPete | $25.00 | $25.00 | 10/19/2009 11:28:03 AM |
| kf88 | $25.00 | $25.00 | 10/19/2009 1:03:44 PM |
| scientists | $25.00 | $25.00 | 10/19/2009 3:07:41 PM |
| sas19 | $25.00 | $25.00 | 10/5/2009 4:22:37 PM |
| kinetic-diversification | $50.00 | $50.00 | 10/5/2009 4:22:44 PM |
| crenen139 | $50.00 | $50.00 | 10/5/2009 4:23:05 PM |
| j48 | $25.00 | $25.00 | 10/5/2009 4:23:23 PM |
| ethicalhumanist | $25.00 | $25.00 | 10/5/2009 4:21:34 PM |
| Weaverville | $25.00 | $25.00 | 10/5/2009 4:21:50 PM |
| czar3 | $25.00 | $25.00 | 10/5/2009 4:25:55 PM |
| skuba | $50.00 | $50.00 | 10/5/2009 4:22:06 PM |
| anton | $50.00 | $50.00 | 10/5/2009 4:23:38 PM |
| djh47a | $40.00 | $40.00 | 10/5/2009 4:23:44 PM |
| inventive-funds | $25.00 | $25.00 | 10/5/2009 4:23:50 PM |
| snowman34 | $25.00 | $25.00 | 10/5/2009 4:22:50 PM |
| Havana21 | $100.00 | $100.00 | 10/5/2009 4:24:42 PM |
| justice-dna | $25.00 | $25.00 | 10/5/2009 4:24:10 PM |
| InvestorPartners | $25.00 | $25.00 | 10/5/2009 4:25:45 PM |
| Moron_Buffet | $25.00 | $25.00 | 10/5/2009 4:24:59 PM |
| hawker | $100.00 | $100.00 | 10/5/2009 4:26:04 PM |
| kid8549 | $25.00 | $25.00 | 10/5/2009 4:25:05 PM |
| MONEYLENDER101 | $100.00 | $100.00 | 10/5/2009 4:26:16 PM |
| larrybird | $95.00 | $95.00 | 10/5/2009 4:25:16 PM |
| Cai8899 | $25.00 | $25.00 | 10/5/2009 4:25:35 PM |
| thedreamer | $25.00 | $25.00 | 10/5/2009 4:25:40 PM |
| income-crescendo1 | $25.00 | $25.00 | 10/5/2009 4:26:00 PM |
| a-responsible-return | $25.00 | $25.00 | 10/5/2009 4:26:32 PM |
| kulender | $25.00 | $25.00 | 10/5/2009 4:32:18 PM |
| point-zebra | $25.00 | $25.00 | 10/5/2009 4:30:19 PM |
| selector568 | $100.00 | $100.00 | 10/5/2009 4:30:45 PM |
| wise-repayment-kayak | $25.00 | $25.00 | 10/5/2009 4:31:21 PM |
| triumphant-community | $25.00 | $25.00 | 10/5/2009 4:30:34 PM |
| TheMan | $25.00 | $25.00 | 10/5/2009 4:32:24 PM |
| abidos | $25.00 | $25.00 | 10/5/2009 4:31:43 PM |
| danthemon35 | $25.00 | $25.00 | 10/5/2009 4:34:20 PM |
| personal-lender | $25.00 | $25.00 | 10/5/2009 4:34:29 PM |
| DonaldColorado | $25.00 | $25.00 | 10/5/2009 4:34:06 PM |
| heavy_ax | $25.00 | $25.00 | 10/5/2009 5:54:28 PM |
| Syzygy | $25.00 | $25.00 | 10/5/2009 6:04:05 PM |
| circustab | $50.00 | $50.00 | 10/6/2009 6:35:49 AM |
| mdreiss | $25.00 | $25.00 | 10/6/2009 6:12:42 AM |
| freefly67 | $25.00 | $25.00 | 10/6/2009 8:56:09 AM |
| elasermd | $50.00 | $50.00 | 10/6/2009 1:47:44 PM |
| visionary-currency | $80.33 | $80.33 | 10/6/2009 3:01:16 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/6/2009 6:50:32 PM |
| CPA_Investor | $25.00 | $25.00 | 10/7/2009 9:31:44 AM |
| honorable-treasure | $25.00 | $25.00 | 10/7/2009 10:44:45 AM |
| shadowflame_99 | $25.00 | $25.00 | 10/7/2009 3:14:30 PM |
| LizzieMN | $25.00 | $25.00 | 10/7/2009 12:31:18 PM |
| zone6 | $25.00 | $25.00 | 10/7/2009 2:21:27 PM |
| ClearLake | $25.00 | $25.00 | 10/7/2009 2:08:50 PM |
| best-marketologist | $25.00 | $25.00 | 10/7/2009 5:58:26 PM |
| Unitas4302 | $50.00 | $50.00 | 10/8/2009 6:42:58 AM |
| vinayski | $25.00 | $25.00 | 10/8/2009 11:46:08 AM |
| MidnightBank | $25.00 | $25.00 | 10/8/2009 10:06:08 AM |
| KiwiElf | $30.00 | $30.00 | 10/8/2009 10:56:37 AM |
| bowdish1 | $50.00 | $50.00 | 10/8/2009 1:27:54 PM |
| kmwvma | $25.00 | $25.00 | 10/8/2009 1:29:46 PM |
| discrete-asset | $25.00 | $25.00 | 10/8/2009 3:37:16 PM |
| Kame | $25.00 | $25.00 | 10/8/2009 5:19:56 PM |
| outofoffice | $50.00 | $50.00 | 10/8/2009 7:49:39 PM |
| mikeandcat | $50.00 | $50.00 | 10/9/2009 4:29:05 AM |
| MissionMicroFinance | $50.00 | $50.00 | 10/9/2009 6:39:22 AM |
| BigLinCT | $50.00 | $50.00 | 10/9/2009 7:59:11 AM |
| neenerman | $25.00 | $25.00 | 10/9/2009 10:38:55 AM |
| atlas100 | $50.00 | $50.00 | 10/9/2009 6:51:18 PM |
| Coach2often | $50.00 | $50.00 | 10/10/2009 6:49:17 AM |
| JCMC | $25.00 | $25.00 | 10/10/2009 4:56:51 AM |
| vicumn | $100.00 | $100.00 | 10/11/2009 8:56:07 AM |
| ShhDragon | $63.50 | $63.50 | 10/12/2009 8:01:59 AM |
| GeoLender | $50.00 | $31.19 | 10/12/2009 6:38:55 PM |
| SCD | $25.00 | $25.00 | 10/12/2009 8:15:27 PM |
| shark1234 | $25.00 | $25.00 | 10/13/2009 8:10:04 PM |
| icon7 | $25.00 | $25.00 | 10/14/2009 10:48:29 AM |
| Halos2002 | $100.00 | $100.00 | 10/15/2009 9:50:29 AM |
| lakefront5 | $45.00 | $45.00 | 10/15/2009 10:01:00 AM |
| Floridagirl | $25.00 | $25.00 | 10/16/2009 3:37:00 AM |
| JerryB96 | $25.00 | $25.00 | 10/15/2009 8:05:37 PM |
| wiggly | $25.00 | $25.00 | 10/16/2009 12:47:56 PM |
| mcabery | $50.00 | $50.00 | 10/17/2009 12:49:38 AM |
| GBlack | $30.00 | $30.00 | 10/17/2009 2:12:26 PM |
| MarkDown | $25.00 | $25.00 | 10/17/2009 5:32:07 PM |
| Bodyboard | $25.00 | $25.00 | 10/17/2009 5:05:21 PM |
| Lender0307 | $25.00 | $25.00 | 10/17/2009 7:31:54 PM |
| GeoLender | $25.00 | $25.00 | 10/18/2009 4:02:46 AM |
| outofoffice | $75.00 | $75.00 | 10/18/2009 1:28:27 PM |
| bondhedger | $25.00 | $25.00 | 10/19/2009 10:39:37 AM |
| redrose1518 | $27.00 | $27.00 | 10/19/2009 12:18:41 PM |
| ohmarkybaby | $25.00 | $25.00 | 10/19/2009 1:49:37 PM |
| brightest-economy-tsunami | $75.00 | $75.00 | 10/19/2009 3:50:13 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/19/2009 4:04:41 PM |
| GO4NY23 | $50.00 | $50.00 | 10/19/2009 4:11:36 PM |
| 160 bids
|
Borrower Payment Dependent Notes Series
427104
This series of Notes was issued and sold upon the funding of the borrower loan #39085, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,900.00 |
Prosper Rating:
| HR |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% |
Auction start date:
| Oct-06-2009 |
| |
Auction end date:
| Oct-20-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $85.95 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $85.95 |
| |
|
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:
| 3 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 640-660 (Oct-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 27 | Length of status: | 4y 5m |
|
Amount delinquent:
| $3,604 |
Revolving credit balance:
| $2,030 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 101% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| AlmostDebtFree |
Borrower's state:
| Oregon |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $7,200.00 | < mo. late:
| 0
( 0% )
| 640-660
(Aug-2009)
640-660
(Jul-2009)
640-660
(May-2008)
|
|
Principal balance:
| $4,471.43 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Relisted.....Please consider.
Purpose of loan:
This loan was to be used for orthodontics for my two daughters.? I have lowered the amount a few times.? Initially I was going to use it for ortho and pay off the last credit card, but ortho at this point is more important.? I am continuing the credit card payments.
My financial situation:
I am a good candidate for this loan because I am already paying more than this loan would be monthly.? I currently have another Prosper Loan that I have paid on time every month since?July of 2008.?? In October 2007,?we signed up with a debt settlement company.? At that point we had never missed a payment?and had a good credit score in the low 700s.? We just had too many payments due to job loss in?2004.? The debt settlement company?instructed us to stop?making payments so they could help us settle.? At that time I did not know what it would eventually do to us.? I withdrew from the settlement company and began to contact the credit card companies.? I have paid off several with the previous?Prosper loan and I have a few more to payoff that I have been making monthly payments on.? I wanted to clear up?the credit score that is not so good any longer.? It is not because we are not making our payments, but because of the poor choice we made with the debt settlement company.? Please consider this loan.? We do make our loan payments, house payments, and credit card payments.? We just want to finally have everything paid off with these companies.? Please review?the existing Prosper loan that is in good standing.? ?????????????????????????????????? Monthly net income: $ 3200.? This is my income only.? It does not include my husbands income of $4600.
Monthly expenses: $
??Housing: $ 835, which my husband pays out of his check.
? Insurance: $?65
??Car expenses: $ 239
??Utilities: $ 130
??Phone, cable, internet: $?225
??Food, entertainment: $ 400 for a family of 5
??Clothing, household expenses $ 75
??Credit cards and other loans: $?300
??Orthodontia Monthly:? $250, to be paid with 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 think you may be having trouble getting funded because your explanation for your delinquincies is buried in the middle of your description. You've made on-time payments on your present loan, so I'm bidding another $50. Good luck. - tigercat
A:
Thank you very much. You have a good point. If for some reason I need to relist, I will change that.
(Oct-17-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| TheAlchemist | $36.44 | $36.44 | 10/7/2009 8:26:38 PM |
| TheAlchemist | $50.00 | $50.00 | 10/8/2009 5:47:42 AM |
| gold-cluster | $100.00 | $55.42 | 10/8/2009 2:04:26 PM |
| shawnw2 | $50.00 | $50.00 | 10/8/2009 3:51:45 PM |
| tigercat | $50.00 | $50.00 | 10/9/2009 11:39:36 AM |
| treasure-strawberry | $25.00 | $25.00 | 10/11/2009 2:08:50 AM |
| tigercat | $50.00 | $50.00 | 10/10/2009 4:03:46 PM |
| tigercat | $50.00 | $50.00 | 10/15/2009 4:14:25 PM |
| bobnewt | $50.00 | $50.00 | 10/17/2009 11:48:02 AM |
| rebeldog67 | $29.22 | $29.22 | 10/17/2009 11:44:10 PM |
| galloping_unicorns_batman | $45.00 | $45.00 | 10/19/2009 12:34:07 PM |
| GlenBank | $50.00 | $50.00 | 10/19/2009 10:50:41 PM |
| oaktown23 | $100.00 | $100.00 | 10/20/2009 6:12:03 AM |
| Tammy102800 | $25.00 | $25.00 | 10/20/2009 9:36:10 AM |
| site_ml | $25.00 | $25.00 | 10/20/2009 11:09:21 AM |
| reliable-vigilance | $25.00 | $25.00 | 10/20/2009 11:48:19 AM |
| well-mannered-income3 | $25.00 | $25.00 | 10/20/2009 12:44:09 PM |
| gluon | $25.00 | $25.00 | 10/20/2009 12:47:22 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/20/2009 2:55:19 PM |
| gold-cluster | $100.00 | $100.00 | 10/20/2009 4:11:00 PM |
| zone6 | $100.66 | $100.66 | 10/20/2009 4:17:01 PM |
| the-silver-blaster | $25.00 | $25.00 | 10/20/2009 4:22:00 PM |
| Engineer44 | $25.00 | $25.00 | 10/20/2009 4:27:46 PM |
| coldfuzion | $25.00 | $25.00 | 10/9/2009 11:13:06 AM |
| gold-cluster | $100.00 | $100.00 | 10/9/2009 9:02:53 PM |
| peb44 | $25.00 | $25.00 | 10/16/2009 6:28:05 PM |
| eccles | $25.00 | $25.00 | 10/17/2009 5:10:48 PM |
| icon7 | $50.00 | $50.00 | 10/17/2009 7:14:02 PM |
| generous-deal6 | $25.00 | $25.00 | 10/18/2009 10:08:15 PM |
| jvg10 | $50.00 | $50.00 | 10/19/2009 7:13:12 PM |
| bountiful-community | $75.00 | $75.00 | 10/19/2009 5:54:51 PM |
| Laxa | $25.00 | $25.00 | 10/20/2009 4:08:03 AM |
| chroman | $50.00 | $50.00 | 10/20/2009 8:55:25 AM |
| MoneyForNothing | $25.00 | $25.00 | 10/20/2009 7:24:46 AM |
| nurat | $25.00 | $25.00 | 10/20/2009 10:46:28 AM |
| efficient-bid2 | $25.00 | $25.00 | 10/20/2009 10:59:38 AM |
| kingbob | $25.57 | $25.57 | 10/20/2009 1:28:04 PM |
| LAKETIME | $25.00 | $25.00 | 10/20/2009 2:11:58 PM |
| Astyanax | $25.00 | $25.00 | 10/20/2009 1:33:14 PM |
| Astyanax | $25.00 | $25.00 | 10/20/2009 1:33:37 PM |
| reflective-rupee | $25.00 | $25.00 | 10/20/2009 12:35:31 PM |
| Firescreek | $25.00 | $25.00 | 10/20/2009 3:04:54 PM |
| classiccitizen | $25.00 | $25.00 | 10/20/2009 4:04:51 PM |
| winger66 | $27.44 | $27.44 | 10/20/2009 3:40:41 PM |
| branaa99 | $30.25 | $30.25 | 10/20/2009 3:42:01 PM |
| thegreatone | $100.00 | $100.00 | 10/20/2009 3:52:18 PM |
| 46 bids
|
Borrower Payment Dependent Notes Series
427474
This series of Notes was issued and sold upon the funding of the borrower loan #39077, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-08-2009 |
| |
Auction end date:
| Oct-20-2009 |
|
|
Starting lender yield:
| 26.47% |
Starting borrower rate/APR:
| 27.47% / 29.81% |
Starting monthly payment:
| $123.23 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $121.43 |
| |
|
Auction yield range:
| 11.27% - 26.47% |
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:
| Apr-1996 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 660-680 (Sep-2009) |
Current / open credit lines:
| 1
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 9y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| sparkling-p2ploan |
Borrower's state:
| Mississippi |
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
To help my kids through homeschool
Purpose of loan:
I am a good candidate for this loan because?I am a very stable, responsible person.? I have been in my job and steadily moved "up the ladder" for over?9 years now.? I have stock investments and savings accounts to back any money loaned to me here.? I have very low debt to income ratio and I have always paid my?bills religiously every month.? I want to have the funds to go visit my kids during the crazy season of the year and to pay for each of them to have a minibook to use in homeschooling.? I have not spent the holiday season with my?kids for?several years due to the cost and i would really like to this year since they are getting older and *gasp* my eldest has figured out the Santa and Tooth Fairy and?Easter Bunny and and and already.? My kids are great kids and they?live a great life on the farm with their mom and stepdad, I would just like to be able to be a little bigger part of it. This loan would make that possible.?
My financial situation:
I am going to be totally upfront, my ex wife and I filed for chapter 13 bankruptcy (the one where you pay part of the money back) over 7 years ago when we both were laid off and were expecting our second child and could not find work.? We paid out the five year repayment plan without so much as ever being late.? But I learned my lesson about having lots of available credit, even though that is damaging to your credit.? I would have a much higher score if I had more cards and had higher balances and available funds on all of them.....kind of an oxymoron I think but so be it.? I imagine that having this loan would also do a dual purpose by adding to my credit rating while enabling another trip to see my kids, and allowing me to make their homeschoolling just a little easier for them and their mom both.
Monthly net income: $ 6000.00 +
Monthly expenses: $
??Housing: $ 800.00
??Insurance: $ 60.00
??Car expenses: $ 300.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 550.00
??Other expenses: $ 1300.00
.
Information in the Description is not verified.
Friends And Family Winning Bids
KenKatieKids has bid a total of
$50.00 in winning bids.
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| visionary-currency | $25.00 | $25.00 | 10/8/2009 4:07:35 PM |
| SweetHoneyPot | $25.00 | $25.00 | 10/8/2009 4:09:53 PM |
| SNH | $50.00 | $50.00 | 10/8/2009 4:07:32 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/8/2009 6:23:08 PM |
| Maggie3 | $25.00 | $25.00 | 10/9/2009 10:08:45 AM |
| hellasow | $25.00 | $25.00 | 10/9/2009 12:28:12 PM |
| KenKatieKids | $50.00 | $50.00 | 10/9/2009 1:46:45 PM |
| goofy15975 | $50.00 | $50.00 | 10/9/2009 12:29:03 PM |
| Frankk2 | $35.00 | $35.00 | 10/10/2009 9:34:35 AM |
| nickel-liberator | $100.00 | $100.00 | 10/10/2009 2:41:22 PM |
| JohnSynge | $50.00 | $50.00 | 10/10/2009 11:07:19 AM |
| Rockymtnhi | $90.32 | $90.32 | 10/10/2009 9:19:35 AM |
| Flash80 | $100.00 | $100.00 | 10/10/2009 7:37:52 PM |
| mja | $25.00 | $25.00 | 10/12/2009 12:42:56 PM |
| dudebrah | $25.00 | $25.00 | 10/12/2009 1:26:57 PM |
| revenue-shepherd | $25.00 | $25.00 | 10/12/2009 8:05:00 PM |
| meteoric-trade | $25.00 | $25.00 | 10/12/2009 6:14:35 PM |
| shiny-dollar9 | $25.00 | $25.00 | 10/13/2009 6:12:00 AM |
| JTHarris | $50.00 | $50.00 | 10/13/2009 10:09:01 AM |
| Skokdog23 | $28.25 | $28.25 | 10/13/2009 10:59:21 AM |
| Prezotus | $25.00 | $25.00 | 10/13/2009 12:29:30 PM |
| MOVet | $25.00 | $25.00 | 10/13/2009 3:32:46 PM |
| vtr1000 | $25.00 | $25.00 | 10/13/2009 8:47:51 PM |
| bartenderpro | $49.12 | $49.12 | 10/14/2009 3:05:59 PM |
| shark1234 | $50.00 | $50.00 | 10/14/2009 4:25:39 PM |
| Tikibarman | $50.00 | $50.00 | 10/15/2009 2:07:07 PM |
| nyran20 | $25.00 | $25.00 | 10/15/2009 8:37:05 PM |
| scientists | $25.00 | $25.00 | 10/16/2009 2:48:59 PM |
| capital-galaxy | $45.00 | $45.00 | 10/17/2009 7:49:53 AM |
| livnthedream | $50.00 | $50.00 | 10/19/2009 7:36:55 PM |
| zone8 | $25.00 | $25.00 | 10/8/2009 4:05:34 PM |
| snoopey100 | $25.00 | $25.00 | 10/8/2009 4:07:27 PM |
| lagnisiruk | $25.00 | $25.00 | 10/8/2009 4:07:29 PM |
| personal-lender | $25.00 | $5.82 | 10/8/2009 4:07:38 PM |
| zento | $25.00 | $25.00 | 10/8/2009 4:14:25 PM |
| building_community | $25.00 | $25.00 | 10/8/2009 7:45:21 PM |
| clearviewcapital | $25.00 | $25.00 | 10/8/2009 6:54:01 PM |
| crippledcircus | $100.00 | $100.00 | 10/9/2009 5:24:05 AM |
| foothillender | $25.00 | $25.00 | 10/9/2009 8:23:32 AM |
| JustMee | $25.00 | $25.00 | 10/9/2009 7:15:11 PM |
| productive-currency3 | $25.00 | $25.00 | 10/9/2009 7:28:40 PM |
| ruler1 | $50.00 | $50.00 | 10/10/2009 9:30:50 AM |
| ZOOOM | $26.89 | $26.89 | 10/10/2009 3:10:36 PM |
| momoney2lend | $25.00 | $25.00 | 10/11/2009 4:36:27 PM |
| noble-revenue | $800.00 | $800.00 | 10/13/2009 12:57:07 AM |
| inforapenny | $25.00 | $25.00 | 10/13/2009 2:39:12 PM |
| ekmendenhall | $50.00 | $50.00 | 10/14/2009 6:59:42 AM |
| spy0 | $25.00 | $25.00 | 10/14/2009 10:07:48 AM |
| Thunder08 | $25.00 | $25.00 | 10/14/2009 11:04:34 AM |
| Firescreek | $35.00 | $35.00 | 10/14/2009 10:45:01 AM |
| Control | $59.60 | $59.60 | 10/15/2009 8:37:09 AM |
| marwadi-62 | $50.00 | $50.00 | 10/15/2009 4:39:12 PM |
| unger | $75.00 | $75.00 | 10/15/2009 7:51:41 PM |
| mayan13 | $25.00 | $25.00 | 10/15/2009 8:12:25 PM |
| LarWit1512 | $25.00 | $25.00 | 10/17/2009 8:29:32 AM |
| IPG1 | $25.00 | $25.00 | 10/17/2009 12:01:19 PM |
| djmjkelso | $25.00 | $25.00 | 10/17/2009 11:02:33 PM |
| bronzmajom | $25.00 | $25.00 | 10/18/2009 6:38:15 PM |
| dman15 | $25.00 | $25.00 | 10/19/2009 10:56:34 AM |
| payout-magician | $50.00 | $50.00 | 10/19/2009 7:58:05 PM |
| 60 bids
|
Borrower Payment Dependent Notes Series
427664
This series of Notes was issued and sold upon the funding of the borrower loan #39081, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Oct-08-2009 |
| |
Auction end date:
| Oct-22-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $171.90 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $171.90 |
| |
|
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:
| 5 |
First credit line:
| Mar-1985 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 660-680 (Oct-2009) |
Current / open credit lines:
| 11
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 18y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,501 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 98% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| bigjoe50 |
Borrower's state:
| Georgia |
Borrower's group:
| Vets helping Vets |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 31 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < mo. late:
| 0
( 0% )
| 660-680
(Sep-2009)
560-580
(Feb-2007)
|
|
Principal balance:
| $821.36 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
pay off 1st loan & credit cards
Purpose of loan:This loan will be used to make debt consolidation and pay off 1st prosper loan.
My financial situation:
I am a good candidate for this loan because i have not missed any payments on the first loan which is drawn monthly from my bank account.
Monthly net income: $ 2021
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 40
??Car expenses:30??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other? $ 460
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| fortytwo | $200.00 | $200.00 | 10/8/2009 4:04:21 PM |
| reflective-rupee | $25.00 | $25.00 | 10/14/2009 10:30:53 PM |
| blkfroggy | $25.00 | $25.00 | 10/16/2009 12:08:32 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/19/2009 4:27:34 PM |
| reflective-rupee | $75.00 | $75.00 | 10/19/2009 9:19:38 PM |
| unk1911 | $25.00 | $25.00 | 10/20/2009 10:25:49 AM |
| 101010 | $75.00 | $75.00 | 10/20/2009 1:49:36 PM |
| BankofBeth | $50.00 | $50.00 | 10/20/2009 5:53:02 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/21/2009 6:41:24 AM |
| bondhedger | $25.00 | $25.00 | 10/21/2009 3:48:12 PM |
| eronyc | $25.00 | $25.00 | 10/21/2009 4:30:10 PM |
| Ray3486 | $25.00 | $25.00 | 10/21/2009 7:01:58 PM |
| maga | $50.00 | $50.00 | 10/22/2009 3:07:48 AM |
| reflective-rupee | $500.00 | $500.00 | 10/22/2009 9:07:51 AM |
| inspired-basis | $25.00 | $25.00 | 10/22/2009 8:05:14 AM |
| upbeat-marketplace | $25.00 | $25.00 | 10/22/2009 9:33:01 AM |
| SV-AZ | $25.00 | $25.00 | 10/22/2009 9:45:57 AM |
| gold-cluster | $100.00 | $100.00 | 10/22/2009 10:10:24 AM |
| GatorBux | $100.00 | $26.52 | 10/22/2009 10:55:30 AM |
| HomerdohNY | $25.00 | $25.00 | 10/22/2009 1:24:49 PM |
| aliasqalias | $25.00 | $25.00 | 10/22/2009 1:47:50 PM |
| Rip128 | $100.00 | $100.00 | 10/22/2009 3:41:32 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/22/2009 3:18:54 PM |
| a-reasonable-return | $25.00 | $25.00 | 10/22/2009 3:22:24 PM |
| bobnewt | $50.00 | $50.00 | 10/14/2009 10:48:24 AM |
| Eloise62 | $75.00 | $75.00 | 10/16/2009 2:56:15 PM |
| reflective-rupee | $400.00 | $400.00 | 10/20/2009 11:15:43 AM |
| reflective-rupee | $500.00 | $500.00 | 10/20/2009 11:15:54 AM |
| debtcollector | $50.00 | $50.00 | 10/20/2009 9:11:13 PM |
| Sudoku | $100.00 | $100.00 | 10/20/2009 10:45:16 PM |
| JJ-Loans | $99.50 | $99.50 | 10/21/2009 8:23:06 AM |
| Sudoku | $100.00 | $100.00 | 10/21/2009 10:47:49 AM |
| bid-strawberry | $40.00 | $40.00 | 10/21/2009 12:39:22 PM |
| TheAlchemist | $25.00 | $25.00 | 10/21/2009 5:25:51 PM |
| durability-colonel | $50.00 | $50.00 | 10/21/2009 9:57:20 PM |
| THEREALESTATEGUY | $43.98 | $43.98 | 10/21/2009 10:38:39 PM |
| 1traveler | $25.00 | $25.00 | 10/21/2009 11:31:36 PM |
| EEasyMoney | $40.00 | $40.00 | 10/21/2009 8:25:57 PM |
| building_community | $25.00 | $25.00 | 10/22/2009 8:33:41 AM |
| kenL | $300.00 | $300.00 | 10/22/2009 6:02:23 AM |
| SV-AZ | $25.00 | $25.00 | 10/22/2009 9:45:14 AM |
| gluon | $25.00 | $25.00 | 10/22/2009 11:52:03 AM |
| icon7 | $50.00 | $50.00 | 10/22/2009 1:37:45 PM |
| durability-colonel | $50.00 | $50.00 | 10/22/2009 2:11:21 PM |
| enriched-truth | $25.00 | $25.00 | 10/22/2009 12:54:47 PM |
| pimpin-aint-easy | $50.00 | $50.00 | 10/22/2009 3:41:25 PM |
| Rip128 | $100.00 | $100.00 | 10/22/2009 3:55:09 PM |
| 47 bids
|
Borrower Payment Dependent Notes Series
428674
This series of Notes was issued and sold upon the funding of the borrower loan #39071, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-15-2009 |
| |
Auction end date:
| Oct-22-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.44% |
Starting monthly payment:
| $54.28 |
|
Final lender yield:
| 27.90% |
Final borrower rate/APR:
| 28.90% / 32.21% |
Final monthly payment:
| $50.22 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 15.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.93% | | |
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:
| 8 |
First credit line:
| Dec-1980 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 620-640 (Sep-2009) |
Current / open credit lines:
| 18
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 57 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $13,372 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| laddertosuccess |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 14 ( 100% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $2,750.00 | < mo. late:
| 0
( 0% )
| 620-640
(Aug-2009)
560-580
(Jul-2008)
560-580
(May-2008)
|
|
Principal balance:
| $983.72 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Paying off Chase Credit Card
Purpose of loan:
This loan will be used to?
pay off and cancel my high interest Chase credit card.
My financial situation:
I am a good candidate for this loan because?
currently I am working two jobs, one is a full time day position that pays me a salary plus commission.? The other job is a restaurant job that pays me hourly plus tips (that exceed my hourly wage and as an added bonus, lets me eat for free.)? I would like to pay off and cancel my Chase credit card with a Prosper loan for two reasons:? 1.? The interest on the Chase card is too high.? 2.? I have stopped using the card and would like to cancel it-? I would rather have a fellow Prosper member benefit than a banking conglomerate.? I intend to pay a little more than the minimum payment each month (to ensure a timely and pain/worry free process.)? I have had two loans with Prosper and have never missed a payment.? I have a great history when it comes to making payments on time and paying more than the minimum when I can.? I like the automatic monthly withdrawals, and unlike credit cards, no interest is tacked on- it's already included.? Please post any questions as I would be more than happy to answer.? Let's help benefit each other!!!
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $
362.5
??Insurance: $
99.00
??Car expenses: $
285.00
??Utilities: $
0
??Phone, cable, internet: $0
??Food, entertainment: $
100
??Clothing, household expenses $
0
??Credit cards and other loans: $
200
??Other expenses: $
0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
forgot to give you a link on canceling cards.
http://www.bankrate.com/brm/news/cc/20061114_cancel_card_credit_scorea.asp
Not trying to tell a person what to do but hope to help - Hawkeyebank
A:
Thanks!
(Oct-21-2009)
Q:
just a suggestion sometimes canceling a card will hurt a persons credit score, Pay it off and cut it up but paying it off can hurt your credit-utilization ratio. if the card doesn't have a annual fee it may be better to leave it open. - Hawkeyebank
A:
Thanks!
(Oct-21-2009)
Q:
can you give us an idea on the rest of the revolving debt you have and if you have plans to clean that up as well?
Thanks and good luck - Hawkeyebank
A:
I have plans to bring down the debt by constructing a budget that should get that paid off by June next year.
(Oct-21-2009)
Q:
What is the rate on the Chase CC? Your debt/income ration reveals you have enough disposable income to get rid of your revolving debt in a little over a year. - jpblan11
A:
35.99%. I will be paying off my other loans with the budget I planned out
(Oct-21-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| currency-bumblebee | $25.00 | $25.00 | 10/19/2009 5:21:24 PM |
| CoolPlexer | $25.00 | $25.00 | 10/20/2009 4:21:46 PM |
| randsenterprise | $25.00 | $25.00 | 10/20/2009 7:52:37 PM |
| spiff666 | $25.00 | $25.00 | 10/20/2009 8:37:18 PM |
| bigb7 | $36.02 | $36.02 | 10/21/2009 4:53:08 PM |
| site_ml | $25.00 | $25.00 | 10/21/2009 10:42:38 PM |
| rmpedi33 | $25.00 | $25.00 | 10/22/2009 10:33:07 AM |
| gluon | $25.00 | $25.00 | 10/22/2009 11:59:03 AM |
| lookin_up | $25.00 | $25.00 | 10/22/2009 3:41:45 PM |
| kinetic-social | $25.00 | $25.00 | 10/22/2009 3:25:56 PM |
| dblakels | $25.00 | $25.00 | 10/22/2009 3:42:03 PM |
| pimpin-aint-easy | $50.00 | $50.00 | 10/22/2009 3:46:14 PM |
| generous-deal6 | $25.00 | $25.00 | 10/22/2009 4:07:12 PM |
| nymoney | $40.00 | $40.00 | 10/22/2009 4:28:40 PM |
| Engineer44 | $25.00 | $25.00 | 10/22/2009 4:33:58 PM |
| debtcollector | $50.00 | $50.00 | 10/18/2009 10:31:42 PM |
| oaktown23 | $100.00 | $100.00 | 10/20/2009 6:20:38 AM |
| fuzed | $25.00 | $25.00 | 10/20/2009 10:26:21 AM |
| investment-visionary | $25.00 | $25.00 | 10/20/2009 10:31:09 AM |
| WeshaTheLeopard | $25.00 | $25.00 | 10/20/2009 3:00:14 PM |
| SDD123 | $25.00 | $25.00 | 10/21/2009 12:14:06 PM |
| Prezotus | $25.00 | $25.00 | 10/21/2009 4:30:35 PM |
| jpblan11 | $25.00 | $25.00 | 10/21/2009 8:29:47 PM |
| PotBellyPete | $50.00 | $3.02 | 10/22/2009 6:48:28 AM |
| kenL | $195.96 | $195.96 | 10/22/2009 7:08:13 AM |
| building_community | $25.00 | $25.00 | 10/22/2009 8:33:51 AM |
| myser59 | $25.00 | $25.00 | 10/22/2009 11:31:13 AM |
| jybank | $25.00 | $25.00 | 10/22/2009 1:37:25 PM |
| bobnewt | $50.00 | $50.00 | 10/22/2009 2:17:54 PM |
| reflective-rupee | $25.00 | $25.00 | 10/22/2009 3:23:48 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/22/2009 3:38:55 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/22/2009 3:20:42 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/22/2009 4:02:27 PM |
| AM2008 | $25.00 | $25.00 | 10/22/2009 4:30:08 PM |
| explorer925 | $25.00 | $25.00 | 10/22/2009 4:34:04 PM |
| 35 bids
|
Borrower Payment Dependent Notes Series
428764
This series of Notes was issued and sold upon the funding of the borrower loan #39091, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,700.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-15-2009 |
| |
Auction end date:
| Oct-22-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $76.90 |
|
Final lender yield:
| 30.70% |
Final borrower rate/APR:
| 31.70% / 34.10% |
Final monthly payment:
| $73.76 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.59% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 6 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 620-640 (Sep-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 10y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,830 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 95% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| darleenh |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $1,600.00 | < mo. late:
| 0
( 0% )
| 620-640
(Sep-2008)
560-580
(Sep-2007)
|
|
Principal balance:
| $1,199.36 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Wood Pellet Stove Purchase
Purpose of loan:
This loan will be used to?
finance a Harman wood pellet stove and the cost of installing it.? The previous loan listing stated that the loan amount needed was for $1450.00, but the pellet stove installer has informed me that the cost of the parts and labor are going to be more than I expected them to be.
My financial situation:
I am a good candidate for this loan because?
this is my second Prosper.com loan and I have NEVER missed a payment on my first loan.? I have plenty of income to pay the loan back after all of my other expenses are paid.
Monthly net income: $
1650 ????
Monthly expenses: $
1075
??Housing: $
200
??Insurance: $
100
??Car expenses: $
225
??Utilities: $
0 (Paid by Landlord)
??Phone, cable, internet: $
0 (Paid by Landlord)
??Food, entertainment: $ 250
??Clothing, household expenses $
100
??Credit cards and other loans: $
200
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
stp7859 has bid a total of
$30.00 in winning bids.
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
I read the question/ answer in your previous listing. I have one more question, would you be able to take the unit with you if you were ever in the position that you needed to move or would this be a fixed tenant improvement to the landlords property - explorer925
A:
Hello and thank you for your question. The pellet stove is mine and the landlord and I have a excellent tenant landlord relationship so there is no worry at all about the unit coming with me if I were to ever leave. I don't ever intend on leaving unless they decide to move, which is also highly unlikely. The only thing my landlord would expect and I would do out of courtesy anyway is to have the hole in the wall be repaired if I ever did move elsewhere and that's it. Thank you!!
(Oct-20-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| JTHarris | $25.00 | $25.00 | 10/18/2009 9:15:42 AM |
| coloradocash | $25.00 | $25.00 | 10/18/2009 7:56:06 PM |
| tigercat | $50.00 | $50.00 | 10/20/2009 8:11:56 AM |
| dman15 | $25.00 | $25.00 | 10/20/2009 9:40:11 AM |
| unk1911 | $25.00 | $25.00 | 10/20/2009 10:27:14 AM |
| WeshaTheLeopard | $25.00 | $25.00 | 10/20/2009 3:01:38 PM |
| Bobusa | $25.00 | $25.00 | 10/22/2009 4:52:45 AM |
| PotBellyPete | $50.00 | $50.00 | 10/22/2009 6:51:08 AM |
| stp7859 | $30.00 | $30.00 | 10/22/2009 1:25:27 PM |
| Orca-man | $100.00 | $100.00 | 10/22/2009 2:49:08 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/22/2009 3:24:00 PM |
| pimpin-aint-easy | $50.00 | $50.00 | 10/22/2009 3:51:41 PM |
| reflective-rupee | $25.00 | $25.00 | 10/22/2009 2:10:11 PM |
| Prezotus | $25.00 | $25.00 | 10/22/2009 4:13:10 PM |
| Cory79 | $35.62 | $35.62 | 10/22/2009 4:06:21 PM |
| nikkky2000 | $150.00 | $128.20 | 10/22/2009 4:41:59 PM |
| catb | $75.00 | $75.00 | 10/17/2009 9:31:00 AM |
| icon7 | $50.00 | $50.00 | 10/18/2009 5:40:09 PM |
| NekHoldings | $25.00 | $25.00 | 10/19/2009 8:34:20 AM |
| shawnw2 | $150.00 | $150.00 | 10/20/2009 10:18:40 AM |
| fuzed | $25.00 | $25.00 | 10/20/2009 10:26:17 AM |
| master648 | $26.00 | $26.00 | 10/21/2009 2:31:08 PM |
| jybank | $25.00 | $25.00 | 10/21/2009 9:00:54 PM |
| new-truth-chuckler | $25.00 | $25.00 | 10/21/2009 6:31:12 PM |
| lookin_up | $25.00 | $25.00 | 10/22/2009 6:30:21 AM |
| building_community | $25.00 | $25.00 | 10/22/2009 8:33:55 AM |
| Kqwik | $25.00 | $25.00 | 10/22/2009 10:14:56 AM |
| scott2004114 | $25.00 | $25.00 | 10/22/2009 3:06:31 PM |
| dudebrah | $25.00 | $25.00 | 10/22/2009 1:40:07 PM |
| flexible-economy2 | $250.00 | $250.00 | 10/22/2009 4:31:57 PM |
| Engineer44 | $25.00 | $25.00 | 10/22/2009 4:34:57 PM |
| explorer925 | $75.00 | $75.00 | 10/22/2009 4:34:43 PM |
| buffalobills | $25.00 | $25.00 | 10/22/2009 4:01:05 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/22/2009 4:03:55 PM |
| credit-missile | $105.18 | $105.18 | 10/22/2009 4:39:06 PM |
| 35 bids
|
Borrower Payment Dependent Notes Series
426805
This series of Notes was issued and sold upon the funding of the borrower loan #39087, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $11,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 11.43% |
Starting borrower rate/APR:
| 12.43% / 12.78% |
Starting monthly payment:
| $367.62 |
|
Final lender yield:
| 10.00% |
Final borrower rate/APR:
| 11.00% / 11.35% |
Final monthly payment:
| $360.13 |
| |
|
Auction yield range:
| 3.27% - 11.43% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.49% | | |
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-1984 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 820-840 (Sep-2009) |
Current / open credit lines:
| 13
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 40 | Length of status: | 19y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,749 |
Occupation: | Fireman |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 49% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| FDNYkevin |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 50 ( 100% )
| 820-840 (Latest)
|
|
Principal borrowed:
| $9,000.00 | < mo. late:
| 0
( 0% )
| 800-820
(Nov-2007)
840-860
(Apr-2007)
|
|
Principal balance:
| $1,863.09 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 50 | | |
Description
820 Credit Paying off Credit Cards
Purpose of loan:
This loan will be used to Pay off a credit card bill that got away from me mostly because a few large things went at the same time. PVC fence blew down in heavy winds, had to fix. 2nd Car broke bought a new used car. Heater on house motor blew needed to be fixed. Car most expensive thing at $2500. But I had a little on it and been getting hit with these things made it high enough were I want it gone. I would rather have one bill every month that comes right out of my checking.
My financial situation:
I am a good candidate for this loan because as you can see I have made over 50 payments to prosper already and none late. My credit score is high and I like it like that. It saves money on insurance. I make good money as a firefighter and I sell Real Estate on the side which I did pretty good at till this year. But things are now picking up.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| investor_101 | $50.00 | $50.00 | 10/5/2009 4:15:48 PM |
| Independenceday | $25.00 | $25.00 | 10/5/2009 4:15:47 PM |
| the-auction-lotus | $25.00 | $25.00 | 10/5/2009 4:17:48 PM |
| ok | $25.00 | $25.00 | 10/5/2009 4:23:16 PM |
| yield-quest | $25.00 | $25.00 | 10/5/2009 4:52:14 PM |
| MidnightBank | $25.00 | $25.00 | 10/7/2009 5:51:05 AM |
| robot777 | $25.00 | $25.00 | 10/7/2009 9:27:25 AM |
| Halos2002 | $32.22 | $32.22 | 10/7/2009 9:27:37 AM |
| RainyDayFunds | $25.00 | $25.00 | 10/7/2009 5:09:32 PM |
| PalmTreeIsland | $36.48 | $36.48 | 10/8/2009 5:21:00 PM |
| phaded | $25.00 | $25.00 | 10/8/2009 5:18:04 PM |
| puyanera | $25.00 | $25.00 | 10/8/2009 5:18:35 PM |
| hope-lionheart1 | $100.00 | $100.00 | 10/9/2009 10:35:17 PM |
| momentous-transaction8 | $100.00 | $100.00 | 10/9/2009 9:01:27 PM |
| RadCad1 | $50.00 | $50.00 | 10/10/2009 10:49:08 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/11/2009 7:58:29 AM |
| Flying_Tilapia | $100.00 | $100.00 | 10/12/2009 6:57:42 PM |
| Prezotus | $25.00 | $25.00 | 10/12/2009 8:49:14 PM |
| Zanthina | $126.92 | $126.92 | 10/12/2009 6:34:31 PM |
| BankOfShaun | $25.00 | $25.00 | 10/13/2009 6:59:09 AM |
| farchoir | $25.00 | $25.00 | 10/13/2009 9:30:07 AM |
| ogbobb | $45.63 | $45.63 | 10/13/2009 4:41:10 PM |
| FundMaker | $25.00 | $25.00 | 10/13/2009 6:01:57 PM |
| BankofBeth | $50.00 | $50.00 | 10/13/2009 11:50:06 PM |
| ElbowToast | $25.00 | $25.00 | 10/14/2009 5:55:14 PM |
| WHEREISTHEMOON | $50.00 | $50.00 | 10/14/2009 6:13:20 PM |
| credit-coach118 | $25.00 | $25.00 | 10/14/2009 5:55:00 PM |
| favorite-dollar | $25.00 | $25.00 | 10/15/2009 5:43:21 AM |
| BoughtTheFarm | $25.00 | $25.00 | 10/15/2009 7:45:19 AM |
| ProudGranny | $25.00 | $25.00 | 10/15/2009 5:48:46 AM |
| Palmetto | $35.03 | $35.03 | 10/15/2009 5:38:26 PM |
| feedpaulyfaster | $25.00 | $25.00 | 10/15/2009 5:38:51 PM |
| merlin981 | $50.00 | $50.00 | 10/15/2009 5:38:57 PM |
| availableloan | $25.00 | $25.00 | 10/15/2009 5:38:58 PM |
| FjLenders | $50.03 | $50.03 | 10/15/2009 5:38:22 PM |
| RSV | $25.00 | $25.00 | 10/15/2009 5:38:44 PM |
| robchrst | $200.00 | $200.00 | 10/16/2009 5:26:40 AM |
| cwb8539 | $25.00 | $25.00 | 10/15/2009 11:35:17 PM |
| listing-exchanger596 | $50.00 | $50.00 | 10/16/2009 7:02:20 AM |
| JSCAB-06 | $25.00 | $25.00 | 10/16/2009 11:04:38 AM |
| GrayStudio | $50.00 | $50.00 | 10/16/2009 3:07:51 PM |
| PPLIN810 | $54.77 | $54.77 | 10/16/2009 1:52:57 PM |
| Ranger3255 | $33.54 | $33.54 | 10/16/2009 2:49:43 PM |
| anton | $50.00 | $50.00 | 10/16/2009 4:40:23 PM |
| leocom2000 | $200.00 | $200.00 | 10/16/2009 8:17:17 PM |
| bicyclist2270 | $29.58 | $29.58 | 10/16/2009 4:53:58 PM |
| minista | $25.00 | $25.00 | 10/16/2009 7:06:34 PM |
| floridahelper | $50.00 | $50.00 | 10/17/2009 6:57:59 AM |
| fopaul13 | $35.00 | $35.00 | 10/16/2009 10:37:14 PM |
| scloans | $25.00 | $25.00 | 10/17/2009 3:03:39 AM |
| kulender | $100.00 | $100.00 | 10/17/2009 4:01:58 AM |
| maj0508 | $100.00 | $100.00 | 10/17/2009 8:57:53 AM |
| financebob | $50.00 | $50.00 | 10/17/2009 6:07:08 AM |
| GatorBux | $50.00 | $50.00 | 10/17/2009 9:19:16 AM |
| r1j2r3 | $25.00 | $25.00 | 10/17/2009 7:30:59 AM |
| spiff666 | $25.00 | $25.00 | 10/17/2009 8:20:30 AM |
| deal_11 | $50.00 | $50.00 | 10/17/2009 12:00:56 PM |
| Lender0010 | $50.00 | $50.00 | 10/17/2009 12:03:44 PM |
| shark1234 | $25.00 | $25.00 | 10/17/2009 9:17:19 AM |
| LandE2BG | $50.00 | $50.00 | 10/17/2009 5:52:15 PM |
| Metasequoia | $25.00 | $25.00 | 10/17/2009 9:32:27 AM |
| SuperDoucheBag | $35.00 | $35.00 | 10/17/2009 4:42:43 PM |
| MarkDown | $25.00 | $25.00 | 10/17/2009 5:30:14 PM |
| a2190b | $72.00 | $72.00 | 10/17/2009 3:59:53 PM |
| kanakakm | $100.00 | $100.00 | 10/18/2009 5:52:09 AM |
| blue-relay | $25.00 | $25.00 | 10/18/2009 8:24:36 AM |
| charb57 | $50.00 | $50.00 | 10/17/2009 7:15:58 PM |
| Book-Mark | $25.00 | $25.00 | 10/18/2009 11:16:40 AM |
| wrighco | $25.00 | $25.00 | 10/17/2009 10:56:31 PM |
| twjh | $25.00 | $25.00 | 10/17/2009 9:56:10 PM |
| NeemanuKotagoLending | $42.42 | $42.42 | 10/18/2009 1:03:14 PM |
| Onlyhappycustomers | $25.00 | $25.00 | 10/18/2009 7:01:00 AM |
| tuckerdog75 | $25.00 | $25.00 | 10/18/2009 4:07:49 PM |
| the-problem-solver | $75.00 | $75.00 | 10/18/2009 9:39:15 AM |
| Groggy | $25.00 | $25.00 | 10/18/2009 9:48:46 AM |
| outofoffice | $75.00 | $75.00 | 10/18/2009 1:27:13 PM |
| BAEVentures | $50.00 | $50.00 | 10/18/2009 2:00:41 PM |
| awe-inspiring-power | $25.00 | $25.00 | 10/18/2009 9:54:56 PM |
| Oakland | $50.00 | $50.00 | 10/18/2009 2:43:47 PM |
| dmitriy2 | $25.00 | $25.00 | 10/18/2009 5:33:01 PM |
| nashibaksi | $25.00 | $25.00 | 10/18/2009 6:13:41 PM |
| djmjkelso | $25.00 | $25.00 | 10/18/2009 6:15:30 PM |
| oldman68 | $25.00 | $25.00 | 10/18/2009 6:19:31 PM |
| crw1950 | $50.00 | $50.00 | 10/18/2009 6:51:46 PM |
| MasterKey | $25.00 | $25.00 | 10/18/2009 8:11:56 PM |
| MoneyForNothing | $25.00 | $25.00 | 10/19/2009 8:01:28 AM |
| Leshan | $100.00 | $100.00 | 10/19/2009 8:28:38 AM |
| MrLeft | $75.00 | $75.00 | 10/19/2009 8:42:08 AM |
| tender-ore | $25.00 | $25.00 | 10/19/2009 9:06:31 AM |
| flshdaskll | $25.00 | $25.00 | 10/19/2009 3:54:19 AM |
| return-twister | $25.00 | $25.00 | 10/19/2009 9:32:06 AM |
| internetsoldier | $51.03 | $51.03 | 10/19/2009 6:24:18 AM |
| techreseller | $50.00 | $50.00 | 10/19/2009 7:27:40 AM |
| buffalobills | $25.00 | $25.00 | 10/19/2009 8:45:27 AM |
| enterprising-integrity | $25.00 | $25.00 | 10/19/2009 9:31:36 AM |
| cybercop45 | $25.00 | $25.00 | 10/19/2009 9:34:05 AM |
| forthright-trade | $25.00 | $25.00 | 10/19/2009 9:42:31 AM |
| PotBellyPete | $25.00 | $25.00 | 10/19/2009 9:34:14 AM |
| Simply2fly | $25.00 | $25.00 | 10/19/2009 9:38:28 AM |
| bondo41 | $25.00 | $25.00 | 10/19/2009 10:12:04 AM |
| Snoopylover | $25.00 | $25.00 | 10/19/2009 11:02:34 AM |
| balance-force | $32.00 | $32.00 | 10/19/2009 11:32:43 AM |
| alvinsl | $25.00 | $25.00 | 10/19/2009 11:34:03 AM |
| John_14_6 | $25.00 | $25.00 | 10/19/2009 11:30:14 AM |
| HenlopenCapital | $25.00 | $25.00 | 10/19/2009 12:27:26 PM |
| SeekingAlpha | $50.00 | $50.00 | 10/19/2009 12:47:23 PM |
| namd | $50.00 | $50.00 | 10/19/2009 1:06:54 PM |
| coldfuzion | $25.00 | $25.00 | 10/19/2009 1:08:30 PM |
| Astyanax | $25.00 | $25.00 | 10/19/2009 1:25:48 PM |
| patriot384 | $48.00 | $48.00 | 10/19/2009 1:32:04 PM |
| erowis | $50.00 | $50.00 | 10/19/2009 2:14:03 PM |
| beckhead | $25.00 | $25.00 | 10/19/2009 2:19:42 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/19/2009 1:30:42 PM |
| benefit-surfer | $25.00 | $25.00 | 10/19/2009 2:53:36 PM |
| Jmascis | $25.00 | $25.00 | 10/19/2009 1:42:12 PM |
| ohmarkybaby | $50.00 | $50.00 | 10/19/2009 1:44:07 PM |
| mclean_loaner | $50.00 | $50.00 | 10/19/2009 3:59:19 PM |
| shadargroup | $25.00 | $25.00 | 10/19/2009 3:59:57 PM |
| Schwamie | $150.00 | $150.00 | 10/19/2009 3:12:28 PM |
| LAKETIME | $25.00 | $25.00 | 10/19/2009 2:47:40 PM |
| Skeptical-one | $100.00 | $100.00 | 10/19/2009 2:50:56 PM |
| beaver0206 | $25.00 | $25.00 | 10/19/2009 3:34:42 PM |
| understanding-integrity4 | $50.00 | $50.00 | 10/19/2009 3:51:48 PM |
| investorrr | $25.00 | $25.00 | 10/19/2009 4:00:08 PM |
| WealthBoy | $25.00 | $25.00 | 10/5/2009 4:15:14 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 10/5/2009 4:16:05 PM |
| CallMeBen | $25.00 | $25.00 | 10/5/2009 4:31:11 PM |
| Syzygy | $25.00 | $25.00 | 10/5/2009 4:32:37 PM |
| MonkeyPet | $25.00 | $25.00 | 10/5/2009 4:57:02 PM |
| YoungTaxMan | $50.00 | $50.00 | 10/5/2009 5:00:17 PM |
| blot44 | $50.00 | $50.00 | 10/5/2009 7:51:55 PM |
| senior1 | $25.00 | $25.00 | 10/6/2009 6:26:04 PM |
| greeninspirit | $25.00 | $25.00 | 10/7/2009 9:27:21 AM |
| NJournalist | $25.00 | $25.00 | 10/7/2009 9:27:39 AM |
| wgc | $25.00 | $25.00 | 10/7/2009 10:39:28 PM |
| reflective-rupee | $175.00 | $175.00 | 10/8/2009 9:36:54 PM |
| CA_Lender | $25.00 | $25.00 | 10/9/2009 8:07:21 AM |
| g314 | $30.00 | $30.00 | 10/9/2009 11:40:42 PM |
| productive-currency3 | $25.00 | $25.00 | 10/10/2009 9:36:37 AM |
| SFBank | $200.00 | $200.00 | 10/11/2009 5:39:38 AM |
| EasternLender | $25.00 | $25.00 | 10/10/2009 8:15:11 PM |
| Bigsaver | $25.00 | $25.00 | 10/12/2009 2:44:33 PM |
| flwah | $25.00 | $25.00 | 10/13/2009 12:29:57 AM |
| Chrishu | $25.00 | $25.00 | 10/13/2009 7:35:36 AM |
| fiscal65 | $25.00 | $25.00 | 10/13/2009 7:03:44 AM |
| irishcocacola | $25.00 | $25.00 | 10/13/2009 7:18:54 AM |
| rmpedi33 | $100.00 | $100.00 | 10/13/2009 7:39:15 AM |
| mcabery | $150.00 | $150.00 | 10/13/2009 10:53:30 PM |
| JACJ | $25.00 | $25.00 | 10/14/2009 3:17:58 AM |
| TomDalonajay | $25.00 | $25.00 | 10/14/2009 5:55:07 PM |
| LesPaul1 | $25.00 | $25.00 | 10/14/2009 5:55:12 PM |
| PhalanxBulldog | $25.00 | $25.00 | 10/14/2009 5:55:09 PM |
| slygorman | $50.00 | $50.00 | 10/15/2009 7:35:46 AM |
| buphigam | $25.00 | $25.00 | 10/15/2009 6:05:05 AM |
| bobbyhume | $25.00 | $25.00 | 10/15/2009 12:25:07 AM |
| theaterguy | $25.00 | $25.00 | 10/15/2009 8:49:31 AM |
| lakefront5 | $40.00 | $40.00 | 10/15/2009 9:59:38 AM |
| Ven58 | $25.00 | $25.00 | 10/15/2009 2:53:06 PM |
| jybank | $25.00 | $25.00 | 10/15/2009 5:09:23 PM |
| LEBO | $25.00 | $25.00 | 10/15/2009 5:39:37 PM |
| ajst1 | $25.00 | $25.00 | 10/15/2009 5:29:34 PM |
| mjcareful | $30.00 | $30.00 | 10/15/2009 5:36:19 PM |
| JerryB96 | $25.00 | $25.00 | 10/15/2009 8:04:04 PM |
| southerngirl9 | $55.68 | $55.68 | 10/15/2009 6:22:59 PM |
| zimbabwe | $50.00 | $50.00 | 10/15/2009 9:29:09 PM |
| building_community | $500.00 | $500.00 | 10/16/2009 5:24:58 AM |
| littlemonkey | $25.00 | $25.00 | 10/16/2009 10:51:22 AM |
| emitt3140 | $35.00 | $35.00 | 10/16/2009 9:27:52 AM |
| Searlzy | $25.00 | $25.00 | 10/16/2009 12:16:30 PM |
| Good_Karma_Cafe | $25.00 | $25.00 | 10/16/2009 9:59:34 AM |
| vegibenz | $26.60 | $26.60 | 10/16/2009 1:26:08 PM |
| sentry256 | $25.00 | $25.00 | 10/16/2009 11:58:38 AM |
| Jimmy_The_Geek | $50.00 | $50.00 | 10/16/2009 3:04:34 PM |
| heavy_ax | $25.00 | $25.00 | 10/16/2009 2:26:42 PM |
| KHU2-B | $25.00 | $25.00 | 10/16/2009 3:07:52 PM |
| Credit2Prosper | $45.64 | $45.64 | 10/16/2009 3:41:31 PM |
| JTHarris | $100.00 | $100.00 | 10/16/2009 3:49:17 PM |
| kirkjerk | $25.00 | $25.00 | 10/16/2009 6:48:13 PM |
| TheLenderYouWantBiddingForYou | $25.00 | $25.00 | 10/16/2009 7:10:11 PM |
| intelligent-yield | $25.00 | $25.00 | 10/16/2009 4:39:54 PM |
| Investor704 | $50.00 | $50.00 | 10/16/2009 8:11:13 PM |
| gustavholstopus32 | $25.00 | $25.00 | 10/16/2009 9:54:26 PM |
| SpectrumCapital | $25.00 | $25.00 | 10/17/2009 8:26:04 AM |
| alliancecapital1 | $25.00 | $25.00 | 10/17/2009 8:40:16 AM |
| JCMC | $50.00 | $50.00 | 10/17/2009 5:19:22 AM |
| MrFunds | $25.00 | $25.00 | 10/17/2009 6:00:15 AM |
| guardian3 | $50.00 | $50.00 | 10/17/2009 10:42:30 AM |
| buckeyeatheart | $25.00 | $25.00 | 10/17/2009 8:20:05 AM |
| sharp-credit | $897.58 | $127.09 | 10/17/2009 11:14:35 AM |
| autonomous-power | $75.00 | $75.00 | 10/17/2009 7:18:53 PM |
| beachbum22 | $25.00 | $25.00 | 10/17/2009 8:48:14 PM |
| FarmersBank | $30.71 | $30.71 | 10/17/2009 4:54:55 PM |
| dma1206 | $25.00 | $25.00 | 10/17/2009 5:53:40 PM |
| crazybill | $27.38 | $27.38 | 10/18/2009 10:25:21 AM |
| JustOneVoice | $25.00 | $25.00 | 10/18/2009 3:57:12 AM |
| Hogan55 | $50.01 | $50.01 | 10/18/2009 7:14:53 AM |
| gothampark | $25.00 | $25.00 | 10/18/2009 4:07:52 PM |
| banker65010 | $25.00 | $25.00 | 10/18/2009 9:37:15 AM |
| bossyboots01 | $25.00 | $25.00 | 10/18/2009 12:02:23 PM |
| atlas100 | $50.00 | $50.00 | 10/18/2009 1:11:36 PM |
| mrreynol | $26.73 | $26.73 | 10/18/2009 1:52:46 PM |
| mcs99 | $50.00 | $50.00 | 10/18/2009 9:56:07 PM |
| danielamity | $25.00 | $25.00 | 10/18/2009 10:41:25 PM |
| cedar5 | $50.00 | $50.00 | 10/18/2009 4:14:22 PM |
| power-cell | $40.00 | $40.00 | 10/18/2009 6:53:11 PM |
| coloradocash | $25.00 | $25.00 | 10/18/2009 7:51:46 PM |
| bradny | $50.00 | $50.00 | 10/19/2009 7:39:29 AM |
| e3oM | $49.09 | $49.09 | 10/18/2009 8:41:06 PM |
| cardelt | $25.00 | $25.00 | 10/18/2009 10:36:06 PM |
| eclicknsave | $50.00 | $50.00 | 10/18/2009 11:49:54 PM |
| Rustang | $50.00 | $50.00 | 10/19/2009 8:50:15 AM |
| DiscreetFinancial | $25.00 | $25.00 | 10/19/2009 9:01:54 AM |
| abuyama22 | $50.00 | $50.00 | 10/19/2009 5:41:37 AM |
| Share-the-wealth | $100.00 | $100.00 | 10/19/2009 6:52:59 AM |
| SS123 | $25.00 | $25.00 | 10/19/2009 7:51:39 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/19/2009 10:49:21 AM |
| malypom | $100.00 | $100.00 | 10/19/2009 9:10:57 AM |
| visionary-deal3 | $100.00 | $100.00 | 10/19/2009 9:20:09 AM |
| Road_Dogg | $500.00 | $500.00 | 10/19/2009 11:28:47 AM |
| 2Below | $25.00 | $25.00 | 10/19/2009 9:41:33 AM |
| organic-platinum | $25.00 | $25.00 | 10/19/2009 9:44:39 AM |
| mla | $25.00 | $25.00 | 10/19/2009 10:47:43 AM |
| OoM | $25.00 | $25.00 | 10/19/2009 11:00:45 AM |
| rockhound84 | $25.00 | $25.00 | 10/19/2009 11:22:40 AM |
| PotBellyPete | $25.00 | $25.00 | 10/19/2009 11:26:27 AM |
| generous-deal6 | $25.00 | $25.00 | 10/19/2009 12:27:22 PM |
| OGS_Capital | $25.00 | $25.00 | 10/19/2009 12:36:41 PM |
| nicebank | $88.25 | $88.25 | 10/19/2009 12:27:09 PM |
| db2070 | $55.00 | $55.00 | 10/19/2009 12:56:23 PM |
| martymaniaman | $25.00 | $25.00 | 10/19/2009 1:04:20 PM |
| 3_boyz | $25.00 | $25.00 | 10/19/2009 1:29:12 PM |
| Chessplayer71 | $29.38 | $29.38 | 10/19/2009 3:18:07 PM |
| jybank | $25.00 | $25.00 | 10/19/2009 3:25:46 PM |
| IPlayOutsideTheBox | $25.00 | $25.00 | 10/19/2009 1:53:08 PM |
| thebadpelican | $50.00 | $50.00 | 10/19/2009 3:46:21 PM |
| brightest-economy-tsunami | $75.00 | $75.00 | 10/19/2009 3:47:08 PM |
| investment-party | $25.00 | $25.00 | 10/19/2009 1:38:33 PM |
| acn | $32.00 | $32.00 | 10/19/2009 2:09:14 PM |
| brightest-income-hunter | $25.00 | $25.00 | 10/19/2009 3:59:14 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/19/2009 4:01:46 PM |
| Chosen-one | $25.00 | $25.00 | 10/19/2009 2:51:35 PM |
| Jordan1123 | $25.00 | $25.00 | 10/19/2009 3:46:39 PM |
| selo80 | $25.00 | $25.00 | 10/19/2009 3:55:59 PM |
| lisanate | $71.79 | $71.79 | 10/19/2009 4:12:09 PM |
| 244 bids
|
Borrower Payment Dependent Notes Series
427345
This series of Notes was issued and sold upon the funding of the borrower loan #39078, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-07-2009 |
| |
Auction end date:
| Oct-21-2009 |
|
|
Starting lender yield:
| 11.79% |
Starting borrower rate/APR:
| 12.79% / 14.93% |
Starting monthly payment:
| $67.19 |
|
Final lender yield:
| 11.70% |
Final borrower rate/APR:
| 12.70% / 14.84% |
Final monthly payment:
| $67.10 |
| |
|
Auction yield range:
| 4.27% - 11.79% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.56% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Feb-1977 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 700-720 (Sep-2009) |
Current / open credit lines:
| 33
/
33 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 72 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $130,258 |
Occupation: | Professor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 91% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| squadron1 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Bridge Loan for Credit Cards
Purpose of loan:
This loan will be used to? pay credit cards
My financial situation:
I am a good candidate for this loan because? I will pay it off
Monthly net income: $ 7200
Monthly expenses: $
??Housing: $ 1454????
??Insurance: $? 180
??Car expenses: $ 456
??Utilities: $ 121
??Phone, cable, internet: $ 156
??Food, entertainment: $? 210
??Clothing, household expenses $? 80
??Credit cards and other loans: $ 3200
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Stavros | $30.00 | $30.00 | 10/16/2009 4:41:01 PM |
| Hogan55 | $50.00 | $50.00 | 10/21/2009 5:31:19 AM |
| maga | $1,900.00 | $945.00 | 10/21/2009 3:30:08 AM |
| lazyeye | $50.00 | $50.00 | 10/21/2009 4:28:47 AM |
| privatebankerva | $25.00 | $25.00 | 10/21/2009 8:14:48 AM |
| wealth-comet694 | $25.00 | $25.00 | 10/21/2009 5:58:29 AM |
| bossyboots01 | $25.00 | $25.00 | 10/21/2009 9:45:32 AM |
| Sven79 | $50.00 | $50.00 | 10/21/2009 12:33:51 PM |
| improvman | $25.00 | $25.00 | 10/21/2009 12:47:10 PM |
| tender-ore | $25.00 | $25.00 | 10/21/2009 2:59:49 PM |
| icon7 | $50.00 | $50.00 | 10/21/2009 1:00:24 PM |
| LAKETIME | $25.00 | $25.00 | 10/21/2009 3:35:00 PM |
| brightest-economy-tsunami | $50.00 | $50.00 | 10/21/2009 3:19:07 PM |
| mu50stang | $25.00 | $25.00 | 10/21/2009 3:53:57 PM |
| Rob717171 | $150.00 | $150.00 | 10/21/2009 4:09:21 PM |
| hellasow | $25.00 | $25.00 | 10/17/2009 11:51:39 AM |
| JerryB96 | $25.00 | $25.00 | 10/17/2009 6:33:48 PM |
| building_community | $25.00 | $25.00 | 10/21/2009 3:33:50 AM |
| JTHarris | $100.00 | $100.00 | 10/21/2009 7:04:19 AM |
| organic-platinum | $25.00 | $25.00 | 10/21/2009 9:45:31 AM |
| understanding-integrity4 | $50.00 | $50.00 | 10/21/2009 11:18:06 AM |
| StanTheMan | $25.00 | $25.00 | 10/21/2009 9:50:22 AM |
| jybank | $25.00 | $25.00 | 10/21/2009 12:22:13 PM |
| caseattle | $25.00 | $25.00 | 10/21/2009 11:02:29 AM |
| Midnight-Lender | $25.00 | $25.00 | 10/21/2009 11:37:25 AM |
| mpatrick | $100.00 | $100.00 | 10/21/2009 2:45:44 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
427527
This series of Notes was issued and sold upon the funding of the borrower loan #39100, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-09-2009 |
| |
Auction end date:
| Oct-22-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Final lender yield:
| 33.00% |
Final borrower rate/APR:
| 34.00% / 36.44% |
Final monthly payment:
| $111.68 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.78% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Mar-1982 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 600-620 (Oct-2009) |
Current / open credit lines:
| 13
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 29 | Length of status: | 27y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,440 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 83% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| caldreamer |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 57 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $11,000.00 | < mo. late:
| 0
( 0% )
| 560-580
(Oct-2007)
640-660
(Sep-2006)
|
|
Principal balance:
| $1,594.11 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 57 | | |
Description
Proven Member (Prosper Score "9")
Investors??A proven Prosper community membership in ?good standing? is a classification that is earned over time?.earned as a result of a demonstrated payment consistency.?
I am a?three-year member of the Prosper community whose good income, stable employment history (State of California), credibility ?and ?good-standing? has already been verified through vetting of two previously created loans and subsequent ?payment histories of those two loans.? Your review of my previous loan histories will reveal a consistent, uninterrupted?payment history....so you can be assured that your investment will be repaid at a reasonable high rate of return, without failure.
My DTI is fairly low, indicating the financial?capacity to manage payment of this loan is there.? The proceeds of this loan will be used to further consolidate existing accounts.
So why settle for low rates of return offered by unproven borrowers, when you can safely secure a?generous rate of return.?Past Prosper investors on my previous two loans have benefited from?14% to 17% rates of return. ? The initial starting rate of 34% is high to reflect my current Prosper rating?but, don't let that rating deter you from this solid investment opportunity?..
Why invest in someone new and unproven to the Prosper community, when you can invest in a proven performer in ?good standing? and still get a nice rate of return for your investment?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hello, I am writing to inquire about the account that is showing delinquent? Can you tell your potential investors about that? Thank You - loanasauras
A:
the one delingent account was a snafu with AE..this account was being paid via monthly auto-deduction for a certain amount...AE changed the acct. conditions that resulted in a min-payment in excess of the previously set auto-payment that was in effect..thus the acct. was not receiving sufficient payment..before I knew it AE reported the account as delingent..upon discovery, I immediately payed the account off..as shown, no $ amount is shown as delingent..working with AE to update account status.
(Oct-15-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| gold-cluster | $200.00 | $200.00 | 10/9/2009 10:23:17 PM |
| productive-currency3 | $25.00 | $25.00 | 10/10/2009 7:28:02 PM |
| Skeptical-one | $100.00 | $90.50 | 10/16/2009 9:42:38 AM |
| festivecpl | $300.00 | $300.00 | 10/16/2009 8:54:50 PM |
| quicksilver70 | $25.00 | $25.00 | 10/17/2009 12:59:54 AM |
| gluon | $50.00 | $50.00 | 10/17/2009 11:19:27 AM |
| SFBank | $104.92 | $104.92 | 10/17/2009 9:30:34 PM |
| FL-Lender | $25.00 | $25.00 | 10/18/2009 5:17:40 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/19/2009 5:19:32 PM |
| currency-bumblebee | $25.00 | $25.00 | 10/19/2009 5:21:25 PM |
| FinanceEngine | $40.00 | $40.00 | 10/19/2009 5:53:37 PM |
| paradiseinvestor | $50.00 | $50.00 | 10/20/2009 12:25:28 PM |
| spiff666 | $25.00 | $25.00 | 10/20/2009 8:41:06 PM |
| credit-missile | $101.98 | $101.98 | 10/20/2009 8:15:13 PM |
| master648 | $26.00 | $26.00 | 10/21/2009 2:33:21 PM |
| a-reasonable-return | $25.00 | $25.00 | 10/21/2009 2:43:57 PM |
| buckeyeatheart | $25.00 | $25.00 | 10/21/2009 4:50:30 PM |
| farchoir | $50.00 | $50.00 | 10/21/2009 6:34:22 PM |
| gelt4u | $25.00 | $25.00 | 10/22/2009 1:07:41 AM |
| PotBellyPete | $50.00 | $50.00 | 10/22/2009 6:43:28 AM |
| noble-revenue | $25.00 | $25.00 | 10/13/2009 12:09:28 AM |
| principal-kangaroo | $25.00 | $25.00 | 10/13/2009 6:53:54 PM |
| flexible-economy2 | $25.00 | $25.00 | 10/15/2009 6:53:22 PM |
| gold-cluster | $200.00 | $200.00 | 10/15/2009 9:09:58 PM |
| Chrishu | $25.00 | $25.00 | 10/16/2009 12:26:14 PM |
| Unitas4302 | $200.00 | $200.00 | 10/16/2009 10:50:35 PM |
| motivator72 | $25.00 | $25.00 | 10/17/2009 6:17:55 PM |
| icon7 | $50.00 | $50.00 | 10/18/2009 7:50:40 AM |
| uvumf | $25.00 | $25.00 | 10/17/2009 10:26:07 PM |
| hawk357 | $25.00 | $25.00 | 10/18/2009 6:36:47 AM |
| RobinHood | $50.00 | $50.00 | 10/19/2009 6:57:54 AM |
| fuzed | $25.00 | $25.00 | 10/20/2009 10:26:19 AM |
| DANTHEMAN2 | $25.00 | $25.00 | 10/20/2009 4:57:00 PM |
| unk1911 | $25.00 | $25.00 | 10/20/2009 5:05:49 PM |
| RainyDayFunds | $25.00 | $25.00 | 10/20/2009 5:22:18 PM |
| uvumf | $25.00 | $25.00 | 10/20/2009 5:15:16 PM |
| FarmersBank | $27.90 | $27.90 | 10/21/2009 11:40:30 AM |
| rkt88edmo | $33.70 | $33.70 | 10/21/2009 12:12:18 PM |
| jjsparks28 | $200.00 | $200.00 | 10/21/2009 4:19:36 PM |
| riv701 | $25.00 | $25.00 | 10/21/2009 6:19:36 PM |
| EngineersAlliance | $25.00 | $25.00 | 10/21/2009 8:50:15 PM |
| mikelance7 | $25.00 | $25.00 | 10/21/2009 10:29:03 PM |
| titancash4u | $25.00 | $25.00 | 10/21/2009 10:53:05 PM |
| reflective-rupee | $25.00 | $25.00 | 10/21/2009 7:49:11 PM |
| building_community | $25.00 | $25.00 | 10/22/2009 8:34:14 AM |
| 45 bids
|
Borrower Payment Dependent Notes Series
428527
This series of Notes was issued and sold upon the funding of the borrower loan #39097, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-14-2009 |
| |
Auction end date:
| Oct-21-2009 |
|
|
Starting lender yield:
| 30.32% |
Starting borrower rate/APR:
| 31.32% / 33.72% |
Starting monthly payment:
| $215.89 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $202.39 |
| |
|
Auction yield range:
| 11.27% - 30.32% |
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:
| Nov-1992 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 660-680 (Sep-2009) |
Current / open credit lines:
| 25
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 54 | Length of status: | 8y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,754 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 40% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| NewHope2008 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 660-680
(Jun-2008)
|
|
Principal balance:
| $4,829.95 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Simplify Monthly Payments
Purpose of loan: Currently I have several open lines of credit that require small payments each month. I would like to use this money to pay off those smaller credit/store cards so that I no longer have to manage several cards at once. I recently (8/10/09) had a second child which as a lot of people know can be stressful as well as rewarding. I work full time and consolidating several payments into one payment would be very helpful. I currently have a loan with prosper. I have never missed a payment and I always pay on time.? Since I am already paying interest, I would rather give that money to people who invest in me instead of a large corporation.
My financial situation: I am a good candidate for this loan because I have a stable career and I pay my bills on time.? I have an existing loan with Prosper, which I pay on time every month.? I own a?small home and am have not gotten caught up in the current mortgage problems (my house is worth more than I owe and I have a low fixed rate).? I paid off my car this year and am now concentrating on paying down my debt.
Monthly net income: $ 3998.40
Monthly expenses: $
??Housing: $ 795 (split with my husband)
??Insurance: $ 40
??Car expenses: $ 100 (gas)
??Utilities: $ 150 (electric &?water) (split with my husband)
??Phone, cable, internet: $ 150 (split with my husband)?
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1300
??Other expenses: $ 260 (child care)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I think you?re a great candidate to pledge / bid for!!...Can you briefly explain your income and employment status more? Is this monthly amount before or after taxes are taken out? Also, does the amount listed include your significant others income? - SmartConsolidation
A:
I make 62,600 before taxes. The amount listed on the listing page is what I net per month after all of my taxes and healthcare are taken out. The amount does not include my husbands income. I have a BBA in Systems Administration and have worked for the same great company as a Quality Engineer for 8 1/2 years.
(Oct-16-2009)
Q:
What is the break down of account payments of $1300 monthly under "other"? you only show $5,000 in revolving credit and paid off your car so this one has me stummped? TAHNKS!! - SmartConsolidation
A:
The revolving credit amount is provided from Prosper not from the borrower. Recently a lot of credit card companies have raised interest rates on existing cards, so instead of agreeing to the rate increase I have closed several accounts. I still make payments on the accounts but they are not considered revolving since they are closed. $410 - Closed accounts $115 - Open accounts $115 - Store cards $660 - Loans (This loan will replace a smaller high rate loan, my loan payments will not increase)
(Oct-16-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| thedreamer | $25.00 | $25.00 | 10/14/2009 4:10:32 PM |
| Prezotus | $25.00 | $25.00 | 10/14/2009 4:11:33 PM |
| zone8 | $25.00 | $25.00 | 10/14/2009 4:10:17 PM |
| VBAces | $25.00 | $25.00 | 10/14/2009 4:12:38 PM |
| SNH | $50.00 | $50.00 | 10/14/2009 4:15:29 PM |
| Halos2002 | $50.00 | $50.00 | 10/14/2009 4:12:30 PM |
| visionary-currency | $25.00 | $25.00 | 10/14/2009 4:15:31 PM |
| louisianalender | $100.00 | $100.00 | 10/14/2009 4:15:52 PM |
| wildguy | $25.00 | $25.00 | 10/14/2009 4:16:02 PM |
| CarDealer3070 | $30.00 | $30.00 | 10/14/2009 4:16:05 PM |
| unclejaef | $25.00 | $25.00 | 10/14/2009 4:16:14 PM |
| personal-lender | $25.00 | $25.00 | 10/14/2009 4:15:35 PM |
| delivery | $25.00 | $25.00 | 10/14/2009 4:15:45 PM |
| catomaior | $25.00 | $25.00 | 10/14/2009 4:20:20 PM |
| Wangersinc | $25.00 | $25.00 | 10/14/2009 4:22:24 PM |
| zento | $25.00 | $25.00 | 10/15/2009 6:07:09 PM |
| Iceman1347 | $25.00 | $25.00 | 10/16/2009 11:55:04 AM |
| killdare | $25.00 | $25.00 | 10/16/2009 6:53:09 PM |
| hellasow | $30.00 | $30.00 | 10/16/2009 6:58:20 PM |
| davez0r | $25.00 | $25.00 | 10/16/2009 11:29:05 PM |
| jgar_O | $25.00 | $25.00 | 10/17/2009 7:42:57 AM |
| PrinceValium | $25.00 | $25.00 | 10/17/2009 9:51:03 PM |
| debtcollector | $100.00 | $100.00 | 10/18/2009 10:07:27 PM |
| FinanceEngine | $40.00 | $40.00 | 10/19/2009 5:45:01 PM |
| BankofBeth | $50.00 | $50.00 | 10/19/2009 6:25:59 PM |
| p2p-journey | $50.00 | $50.00 | 10/19/2009 10:30:20 PM |
| brilliant-balance | $25.00 | $25.00 | 10/20/2009 7:33:56 AM |
| Rockymtnhi | $32.81 | $32.81 | 10/20/2009 6:01:58 AM |
| Molson Bank & Trust | $50.00 | $50.00 | 10/20/2009 9:46:24 AM |
| JTHarris | $50.00 | $50.00 | 10/20/2009 1:02:26 PM |
| foofiter | $50.00 | $50.00 | 10/20/2009 12:04:50 PM |
| investment-visionary | $25.00 | $25.00 | 10/20/2009 10:54:05 AM |
| jybank | $25.00 | $25.00 | 10/20/2009 3:26:13 PM |
| Capital_Infusion | $25.00 | $25.00 | 10/20/2009 4:29:51 PM |
| kenL | $300.00 | $300.00 | 10/20/2009 4:42:23 PM |
| adam28 | $25.00 | $25.00 | 10/20/2009 4:59:00 PM |
| drkosh | $25.00 | $25.00 | 10/20/2009 5:01:25 PM |
| zone6 | $100.00 | $100.00 | 10/20/2009 5:05:45 PM |
| Digs | $25.00 | $25.00 | 10/20/2009 5:06:13 PM |
| porwestco | $50.00 | $50.00 | 10/20/2009 5:15:19 PM |
| shivering | $25.00 | $25.00 | 10/20/2009 6:35:51 PM |
| festivecpl | $25.00 | $25.00 | 10/20/2009 7:58:17 PM |
| volleyca | $25.00 | $25.00 | 10/20/2009 8:37:46 PM |
| Ronnieboy888 | $25.00 | $25.00 | 10/20/2009 8:10:19 PM |
| payout-comet | $25.00 | $25.00 | 10/21/2009 4:42:11 AM |
| MoneyForNothing | $25.00 | $25.00 | 10/21/2009 6:31:02 AM |
| privatebankerva | $25.00 | $25.00 | 10/21/2009 8:07:36 AM |
| credit-coach118 | $25.00 | $25.00 | 10/21/2009 8:39:18 AM |
| efficient-bid2 | $44.42 | $44.42 | 10/21/2009 10:18:29 AM |
| efficient-bid2 | $50.00 | $50.00 | 10/21/2009 10:13:40 AM |
| 101010 | $50.00 | $50.00 | 10/21/2009 9:47:08 AM |
| PotBellyPete | $50.00 | $50.00 | 10/21/2009 11:44:44 AM |
| capital-galaxy | $85.00 | $85.00 | 10/21/2009 12:05:52 PM |
| Gaelicman | $150.00 | $150.00 | 10/21/2009 12:11:54 PM |
| lender-1 | $50.00 | $50.00 | 10/21/2009 12:33:45 PM |
| ohmarkybaby | $50.00 | $50.00 | 10/21/2009 1:53:04 PM |
| Ray3486 | $25.00 | $25.00 | 10/21/2009 2:08:04 PM |
| unixx | $50.00 | $50.00 | 10/21/2009 1:48:55 PM |
| icon7 | $50.00 | $50.00 | 10/21/2009 12:39:57 PM |
| sturdy-peace9 | $50.00 | $50.00 | 10/21/2009 1:32:39 PM |
| wild-orange | $25.00 | $25.00 | 10/21/2009 3:50:35 PM |
| srfb973 | $35.00 | $35.00 | 10/21/2009 1:47:47 PM |
| SAR-2 | $112.00 | $112.00 | 10/21/2009 2:02:58 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/21/2009 2:44:38 PM |
| efficient-bid2 | $25.00 | $25.00 | 10/21/2009 4:01:48 PM |
| XayV03 | $50.00 | $50.00 | 10/21/2009 4:02:01 PM |
| ohmarkybaby | $25.00 | $25.00 | 10/21/2009 4:03:48 PM |
| GElender | $25.00 | $25.00 | 10/14/2009 4:12:52 PM |
| spitzbergen | $25.00 | $25.00 | 10/14/2009 4:15:38 PM |
| YogaDude34 | $25.00 | $25.00 | 10/14/2009 4:12:50 PM |
| fcb202 | $25.00 | $25.00 | 10/14/2009 4:15:54 PM |
| tsquared_030 | $25.00 | $25.00 | 10/14/2009 4:15:59 PM |
| AF-Chief | $25.00 | $25.00 | 10/14/2009 4:14:41 PM |
| secobarbital | $25.00 | $25.00 | 10/14/2009 4:15:41 PM |
| anton | $25.00 | $25.00 | 10/14/2009 4:15:48 PM |
| honorable-yield | $25.00 | $25.00 | 10/14/2009 4:15:57 PM |
| beezling | $52.00 | $52.00 | 10/14/2009 4:22:49 PM |
| uncleegg | $25.00 | $25.00 | 10/14/2009 4:20:08 PM |
| the-silver-blaster | $25.00 | $25.00 | 10/14/2009 4:23:39 PM |
| wise-extraordinary-loot | $25.00 | $25.00 | 10/14/2009 4:24:23 PM |
| deal-pinnacle7 | $25.00 | $8.42 | 10/14/2009 4:24:30 PM |
| tigercat | $50.00 | $50.00 | 10/19/2009 6:10:10 AM |
| shawnw2 | $35.00 | $35.00 | 10/19/2009 4:42:16 PM |
| Kash2010lu | $25.00 | $25.00 | 10/19/2009 7:07:54 PM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/20/2009 8:45:40 AM |
| Gregger | $31.77 | $31.77 | 10/20/2009 9:17:44 AM |
| Chiss | $25.00 | $25.00 | 10/20/2009 9:28:30 AM |
| reflective-rupee | $100.00 | $100.00 | 10/20/2009 9:08:05 AM |
| atlmoneyman | $25.65 | $25.65 | 10/20/2009 12:10:50 PM |
| Credit2Prosper | $25.00 | $25.00 | 10/20/2009 11:33:09 AM |
| gluon | $25.00 | $25.00 | 10/20/2009 1:11:56 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/20/2009 3:51:28 PM |
| mercuriant | $25.00 | $25.00 | 10/20/2009 4:46:06 PM |
| bid-papyrus | $30.00 | $30.00 | 10/20/2009 5:02:19 PM |
| _SCI_ | $25.00 | $25.00 | 10/20/2009 5:06:43 PM |
| deepblue34 | $25.00 | $25.00 | 10/20/2009 6:07:14 PM |
| nilonc1 | $100.00 | $100.00 | 10/20/2009 7:41:18 PM |
| fiscal_family | $25.00 | $25.00 | 10/20/2009 8:22:18 PM |
| beachfunder | $50.00 | $50.00 | 10/20/2009 9:14:20 PM |
| Packers18 | $50.00 | $50.00 | 10/21/2009 2:01:29 AM |
| jjb516 | $110.43 | $110.43 | 10/21/2009 4:56:04 AM |
| UCLA4life | $25.00 | $25.00 | 10/21/2009 7:54:13 AM |
| a-reasonable-return | $25.00 | $25.00 | 10/21/2009 7:37:15 AM |
| sophisticated-ore | $250.00 | $250.00 | 10/21/2009 8:31:05 AM |
| JJ-Loans | $99.50 | $99.50 | 10/21/2009 8:16:06 AM |
| fireferd | $100.00 | $100.00 | 10/21/2009 10:16:03 AM |
| the-supreme-listing | $50.00 | $50.00 | 10/21/2009 10:25:42 AM |
| kilpat | $25.00 | $25.00 | 10/21/2009 1:24:49 PM |
| wowlender | $25.00 | $25.00 | 10/21/2009 12:03:55 PM |
| Laima | $25.00 | $25.00 | 10/21/2009 2:09:42 PM |
| ag-ventures | $25.00 | $25.00 | 10/21/2009 2:26:12 PM |
| GreenTiger | $48.00 | $48.00 | 10/21/2009 12:51:57 PM |
| kindness-jedi | $100.00 | $100.00 | 10/21/2009 1:21:14 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/21/2009 3:50:59 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/21/2009 3:10:31 PM |
| Engineer44 | $25.00 | $25.00 | 10/21/2009 4:05:05 PM |
| 116 bids
|
Borrower Payment Dependent Notes Series
428847
This series of Notes was issued and sold upon the funding of the borrower loan #39084, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Oct-16-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 21.15% |
Starting borrower rate/APR:
| 22.15% / 24.42% |
Starting monthly payment:
| $229.61 |
|
Final lender yield:
| 19.10% |
Final borrower rate/APR:
| 20.10% / 22.34% |
Final monthly payment:
| $223.29 |
| |
|
Auction yield range:
| 8.27% - 21.15% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Mar-2002 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 660-680 (Oct-2009) |
Current / open credit lines:
| 14
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 4y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,882 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 57% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| AlMeg |
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 credit cards
Purpose of loan:
This loan will be used to?
Pay down my credit cards that was used? while my wife and I were in school.
I am a good candidate for this loan because?
I'm a good candidate for this loan because my wife and I have good jobs and pay all our bills on time. We just want to be able to have one bill for our credit cards instead of 5 so we can pay them down faster. We will be paying almost the same as we are now on credit cards but it will be one payment and we know we will only have 3 years or less until they are paid off. I hope you will consider us because?we take our debt serious and believe in paying our debts on time because we?want people to pay us on time when we are owed money.
??My financial situation:
Monthly net income: $ 3800
Monthly expenses: $ 2160
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $?100??Phone 30, cable 100, internet: $ 30
??Food, entertainment: $ 300
??Clothing, household expenses $?200
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| generous-deal6 | $25.00 | $25.00 | 10/16/2009 4:01:44 PM |
| keen-durability | $25.00 | $25.00 | 10/16/2009 4:01:48 PM |
| bigdogsafety1 | $25.00 | $25.00 | 10/16/2009 4:01:50 PM |
| F16Pilot | $25.00 | $25.00 | 10/16/2009 4:02:17 PM |
| two_old_gals | $25.00 | $25.00 | 10/16/2009 4:02:20 PM |
| pwkpwk | $25.00 | $25.00 | 10/16/2009 4:02:29 PM |
| highcountry1 | $25.00 | $25.00 | 10/16/2009 4:02:43 PM |
| fabster | $25.00 | $25.00 | 10/16/2009 4:02:47 PM |
| takabanana | $25.00 | $25.00 | 10/16/2009 4:03:43 PM |
| unk1911 | $25.00 | $25.00 | 10/16/2009 4:04:20 PM |
| chlebie | $50.00 | $50.00 | 10/16/2009 4:05:37 PM |
| integrity-brilliance | $25.00 | $25.00 | 10/16/2009 4:01:42 PM |
| E-normous | $25.00 | $25.00 | 10/16/2009 4:01:43 PM |
| GrooveBiz | $50.00 | $50.00 | 10/16/2009 4:01:53 PM |
| wampum-chorus3 | $25.00 | $25.00 | 10/16/2009 4:02:34 PM |
| income-yoga | $25.00 | $25.00 | 10/16/2009 4:02:45 PM |
| freefly67 | $25.00 | $25.00 | 10/16/2009 4:02:50 PM |
| Bestloans | $50.00 | $50.00 | 10/16/2009 4:01:45 PM |
| Mishlu | $25.00 | $25.00 | 10/16/2009 4:01:51 PM |
| ingenious-diversification | $25.00 | $25.00 | 10/16/2009 4:03:22 PM |
| ebgb234 | $25.00 | $25.00 | 10/16/2009 4:01:59 PM |
| SeattlePilot | $50.00 | $50.00 | 10/16/2009 4:02:18 PM |
| wildguy | $25.00 | $25.00 | 10/16/2009 4:09:35 PM |
| financial-frenzy | $25.00 | $25.00 | 10/16/2009 4:02:30 PM |
| abeprof70 | $25.00 | $25.00 | 10/16/2009 4:02:40 PM |
| LouisSaint | $25.00 | $25.00 | 10/16/2009 4:02:52 PM |
| im2bz2p2 | $25.00 | $25.00 | 10/16/2009 4:03:18 PM |
| TCR3 | $25.00 | $25.00 | 10/16/2009 4:04:03 PM |
| carlover | $25.00 | $25.00 | 10/16/2009 4:04:05 PM |
| kanakakm | $25.00 | $25.00 | 10/16/2009 4:11:10 PM |
| ah-long | $25.00 | $25.00 | 10/16/2009 4:11:21 PM |
| Cheburashka | $25.00 | $25.00 | 10/16/2009 4:04:51 PM |
| cassius84 | $25.00 | $25.00 | 10/16/2009 4:05:10 PM |
| reaction5 | $25.00 | $25.00 | 10/16/2009 4:11:56 PM |
| reciprocate | $50.00 | $50.00 | 10/16/2009 4:12:01 PM |
| gilbow | $25.00 | $25.00 | 10/16/2009 4:12:25 PM |
| the-silver-blaster | $51.00 | $51.00 | 10/16/2009 4:12:33 PM |
| thedreamer | $25.00 | $25.00 | 10/16/2009 4:13:05 PM |
| crazycool | $35.00 | $35.00 | 10/16/2009 4:06:36 PM |
| zone8 | $25.00 | $25.00 | 10/16/2009 4:06:22 PM |
| CarDealer3070 | $25.00 | $25.00 | 10/16/2009 4:13:21 PM |
| skuba | $25.00 | $25.00 | 10/16/2009 4:06:44 PM |
| unclejaef | $25.00 | $25.00 | 10/16/2009 4:13:37 PM |
| cyberie21 | $40.00 | $40.00 | 10/16/2009 4:07:42 PM |
| Wangersinc | $25.00 | $25.00 | 10/16/2009 4:13:53 PM |
| YogaDude34 | $25.00 | $25.00 | 10/16/2009 4:14:03 PM |
| nodrivelpls | $25.00 | $25.00 | 10/16/2009 4:07:33 PM |
| Supernick | $50.00 | $50.00 | 10/16/2009 4:08:09 PM |
| Veloce | $25.00 | $25.00 | 10/16/2009 4:07:38 PM |
| teejay411 | $100.00 | $100.00 | 10/16/2009 4:07:49 PM |
| 02bob | $25.00 | $25.00 | 10/16/2009 4:08:01 PM |
| Halos2002 | $50.00 | $50.00 | 10/16/2009 4:08:16 PM |
| ITExec | $80.00 | $80.00 | 10/16/2009 4:09:03 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 10/16/2009 4:15:08 PM |
| visionary-currency | $25.00 | $25.00 | 10/16/2009 4:15:33 PM |
| galtsgulch | $25.00 | $25.00 | 10/16/2009 4:09:52 PM |
| secobarbital | $25.00 | $25.00 | 10/16/2009 4:15:43 PM |
| delivery | $25.00 | $25.00 | 10/16/2009 4:15:47 PM |
| anton | $25.00 | $25.00 | 10/16/2009 4:15:52 PM |
| educationfirst | $25.00 | $25.00 | 10/16/2009 4:10:40 PM |
| Patrician | $46.36 | $46.36 | 10/16/2009 4:10:53 PM |
| dm_invest | $25.00 | $25.00 | 10/16/2009 4:11:01 PM |
| friendly-gold | $25.00 | $25.00 | 10/16/2009 4:11:13 PM |
| windfall46 | $25.00 | $25.00 | 10/16/2009 4:11:05 PM |
| LR_Biker | $25.00 | $25.00 | 10/16/2009 4:11:31 PM |
| a-responsible-return | $25.00 | $25.00 | 10/16/2009 4:11:52 PM |
| Gibbyland | $50.00 | $50.00 | 10/16/2009 4:12:18 PM |
| jibe-set | $50.00 | $50.00 | 10/16/2009 4:12:28 PM |
| get30inc | $25.00 | $25.00 | 10/16/2009 4:12:47 PM |
| spitzbergen | $25.00 | $25.00 | 10/16/2009 4:13:35 PM |
| Toastsr | $50.00 | $50.00 | 10/16/2009 4:14:15 PM |
| Exia | $25.00 | $25.00 | 10/16/2009 4:14:28 PM |
| PatRichi | $25.00 | $25.00 | 10/16/2009 4:15:02 PM |
| jdl424 | $25.00 | $25.00 | 10/16/2009 4:15:12 PM |
| louisianalender | $100.00 | $100.00 | 10/16/2009 4:15:59 PM |
| fcb202 | $25.00 | $25.00 | 10/16/2009 4:16:06 PM |
| unequaled-credit7 | $25.00 | $25.00 | 10/16/2009 4:16:12 PM |
| kulender | $25.00 | $25.00 | 10/16/2009 4:16:25 PM |
| zone6 | $25.00 | $25.00 | 10/16/2009 4:16:37 PM |
| SDNLR | $25.00 | $25.00 | 10/16/2009 4:16:42 PM |
| Havana21 | $50.00 | $50.00 | 10/16/2009 4:16:48 PM |
| InvestorPartners | $25.00 | $25.00 | 10/16/2009 4:16:52 PM |
| gracej | $25.00 | $25.00 | 10/16/2009 4:16:59 PM |
| beezling | $52.00 | $52.00 | 10/16/2009 4:24:47 PM |
| loan-master996 | $50.00 | $50.00 | 10/16/2009 4:26:09 PM |
| ethicalhumanist | $25.00 | $25.00 | 10/16/2009 4:28:11 PM |
| catomaior | $25.00 | $25.00 | 10/16/2009 4:22:17 PM |
| tallmon | $25.00 | $25.00 | 10/16/2009 4:28:50 PM |
| jybank | $25.00 | $25.00 | 10/16/2009 4:26:12 PM |
| FountainShrugged | $25.00 | $25.00 | 10/16/2009 4:26:51 PM |
| Orringo | $25.00 | $25.00 | 10/16/2009 4:28:14 PM |
| deal-pinnacle7 | $25.00 | $25.00 | 10/16/2009 4:28:09 PM |
| dedicated-diversification5 | $30.00 | $30.00 | 10/16/2009 4:29:09 PM |
| icon7 | $25.00 | $25.00 | 10/16/2009 4:33:09 PM |
| jayz515 | $25.00 | $25.00 | 10/16/2009 9:11:27 PM |
| szetheli | $107.00 | $107.00 | 10/16/2009 10:22:43 PM |
| shawnw2 | $35.68 | $35.68 | 10/18/2009 2:07:18 PM |
| jeffreyd81 | $25.00 | $25.00 | 10/19/2009 9:31:26 AM |
| jonn834 | $25.00 | $25.00 | 10/19/2009 8:17:11 AM |
| loanfairy | $25.00 | $25.00 | 10/19/2009 11:49:10 AM |
| lovely-return7 | $25.00 | $25.00 | 10/16/2009 4:01:49 PM |
| natural-rate | $25.00 | $25.00 | 10/16/2009 4:01:52 PM |
| sjlnn | $25.00 | $25.00 | 10/16/2009 4:02:14 PM |
| GS_Lending | $25.00 | $25.00 | 10/16/2009 4:02:19 PM |
| bikedc | $25.00 | $25.00 | 10/16/2009 4:02:31 PM |
| kdkennedy | $25.00 | $25.00 | 10/16/2009 4:02:44 PM |
| jamesgrmy | $25.00 | $25.00 | 10/16/2009 4:02:48 PM |
| kmwvma | $25.00 | $25.00 | 10/16/2009 4:03:32 PM |
| eloquent-penny | $25.00 | $25.00 | 10/16/2009 4:06:01 PM |
| HermanstadtKid | $25.00 | $25.00 | 10/16/2009 4:01:40 PM |
| indomitable-felicity | $25.00 | $25.00 | 10/16/2009 4:01:43 PM |
| DGC_Lending | $25.00 | $25.00 | 10/16/2009 4:01:55 PM |
| charming-point | $100.00 | $100.00 | 10/16/2009 4:02:33 PM |
| Westerly | $29.33 | $29.33 | 10/16/2009 4:02:43 PM |
| commerce-champion | $25.00 | $25.00 | 10/16/2009 4:01:46 PM |
| jammo1 | $25.00 | $25.00 | 10/16/2009 4:02:16 PM |
| portfolio-zone801 | $25.00 | $25.00 | 10/16/2009 4:03:38 PM |
| Hiro07 | $25.00 | $25.00 | 10/16/2009 4:02:53 PM |
| JohnGalt94 | $25.00 | $25.00 | 10/16/2009 4:03:28 PM |
| Hondo | $25.00 | $25.00 | 10/16/2009 4:10:15 PM |
| 4est | $25.00 | $25.00 | 10/16/2009 4:10:18 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/16/2009 4:04:16 PM |
| Carpetkid | $25.00 | $25.00 | 10/16/2009 4:10:48 PM |
| IIP77 | $25.00 | $25.00 | 10/16/2009 4:04:14 PM |
| helpful-dough | $25.00 | $25.00 | 10/16/2009 4:11:43 PM |
| gristle | $25.00 | $25.00 | 10/16/2009 4:05:17 PM |
| dansarkis | $25.00 | $25.00 | 10/16/2009 4:05:20 PM |
| coolspeed | $25.00 | $25.00 | 10/16/2009 4:05:34 PM |
| desertoasis | $50.00 | $50.00 | 10/16/2009 4:12:11 PM |
| jhouman | $25.00 | $25.00 | 10/16/2009 4:12:44 PM |
| BuffetRocks | $50.00 | $50.00 | 10/16/2009 4:12:55 PM |
| mdreiss | $25.00 | $25.00 | 10/16/2009 4:13:00 PM |
| treasure-firestarter8 | $25.00 | $25.00 | 10/16/2009 4:06:30 PM |
| honorable-yield | $25.00 | $25.00 | 10/16/2009 4:13:16 PM |
| siege01 | $25.00 | $25.00 | 10/16/2009 4:07:56 PM |
| booksleuth | $50.00 | $50.00 | 10/16/2009 4:07:30 PM |
| GElender | $25.00 | $25.00 | 10/16/2009 4:14:05 PM |
| Weaverville | $50.00 | $50.00 | 10/16/2009 4:08:21 PM |
| Maccs55 | $25.00 | $25.00 | 10/16/2009 4:07:54 PM |
| mathprof | $25.00 | $25.00 | 10/16/2009 4:14:19 PM |
| chekat | $25.00 | $25.00 | 10/16/2009 4:14:34 PM |
| standanddeliver | $25.00 | $25.00 | 10/16/2009 4:14:46 PM |
| red-favorable-basis | $25.00 | $25.00 | 10/16/2009 4:14:48 PM |
| proper-commitment5 | $25.00 | $25.00 | 10/16/2009 4:08:51 PM |
| irrelevant | $25.00 | $25.00 | 10/16/2009 4:08:57 PM |
| mikeandcat | $30.50 | $30.50 | 10/16/2009 4:09:07 PM |
| dinobuddy | $25.00 | $25.00 | 10/16/2009 4:15:19 PM |
| SNH | $50.00 | $50.00 | 10/16/2009 4:15:27 PM |
| Synergism | $25.00 | $25.00 | 10/16/2009 4:10:00 PM |
| LongTail | $25.00 | $25.00 | 10/16/2009 4:09:56 PM |
| abidos | $25.00 | $25.00 | 10/16/2009 4:16:22 PM |
| five-star-justice | $36.00 | $36.00 | 10/16/2009 4:10:21 PM |
| aldeed | $25.00 | $25.00 | 10/16/2009 4:11:16 PM |
| TQLender | $25.00 | $25.00 | 10/16/2009 4:11:27 PM |
| 3am-preacher | $25.00 | $25.00 | 10/16/2009 4:11:38 PM |
| mtquan | $25.00 | $25.00 | 10/16/2009 4:12:05 PM |
| wwwUniversal | $25.00 | $25.00 | 10/16/2009 4:12:13 PM |
| andrewgl | $25.00 | $25.00 | 10/16/2009 4:12:40 PM |
| d_grbg | $25.00 | $25.00 | 10/16/2009 4:12:56 PM |
| Syndication | $25.00 | $25.00 | 10/16/2009 4:13:45 PM |
| flwah | $25.00 | $25.00 | 10/16/2009 4:13:47 PM |
| Sixmil | $25.00 | $25.00 | 10/16/2009 4:13:56 PM |
| VBAces | $25.00 | $25.00 | 10/16/2009 4:13:59 PM |
| L-vex | $25.00 | $25.00 | 10/16/2009 4:14:10 PM |
| skiberdad | $50.00 | $50.00 | 10/16/2009 4:14:24 PM |
| AF-Chief | $35.00 | $35.00 | 10/16/2009 4:14:50 PM |
| mpactlender | $25.00 | $25.00 | 10/16/2009 4:14:52 PM |
| gamp | $25.00 | $25.00 | 10/16/2009 4:15:00 PM |
| Banker7371 | $25.00 | $25.00 | 10/16/2009 4:15:22 PM |
| personal-lender | $25.00 | $25.00 | 10/16/2009 4:15:36 PM |
| DukSerduk | $25.00 | $25.00 | 10/16/2009 4:16:17 PM |
| inventive-wealth2 | $25.00 | $25.00 | 10/16/2009 4:17:07 PM |
| czar3 | $30.00 | $30.00 | 10/16/2009 4:17:14 PM |
| justice-dna | $25.00 | $25.00 | 10/16/2009 4:17:18 PM |
| djh47a | $30.00 | $7.13 | 10/16/2009 4:17:23 PM |
| dinero-mason | $50.00 | $50.00 | 10/16/2009 4:26:21 PM |
| uncleegg | $25.00 | $25.00 | 10/16/2009 4:22:09 PM |
| biobulator | $25.00 | $25.00 | 10/16/2009 4:26:15 PM |
| heroic-benefit | $25.00 | $25.00 | 10/16/2009 4:26:34 PM |
| slartibardfast | $25.00 | $25.00 | 10/16/2009 4:27:42 PM |
| Halos2002 | $100.00 | $100.00 | 10/16/2009 6:15:40 PM |
| building_community | $50.00 | $50.00 | 10/16/2009 4:28:46 PM |
| intelligent-yield | $25.00 | $25.00 | 10/16/2009 4:38:47 PM |
| new-goal-return | $25.00 | $25.00 | 10/17/2009 5:36:16 AM |
| farchoir | $25.00 | $25.00 | 10/17/2009 6:47:40 AM |
| snoopey100 | $25.00 | $25.00 | 10/17/2009 8:26:05 AM |
| kain11286 | $25.00 | $25.00 | 10/17/2009 8:29:58 AM |
| dukem | $50.00 | $50.00 | 10/17/2009 4:17:54 PM |
| Lam0nt | $25.00 | $25.00 | 10/18/2009 11:06:17 AM |
| junes08 | $25.00 | $25.00 | 10/19/2009 5:21:52 AM |
| Bank_Of_XL | $50.00 | $50.00 | 10/19/2009 7:04:14 AM |
| unger | $100.00 | $100.00 | 10/19/2009 10:14:19 AM |
| 192 bids
|
Borrower Payment Dependent Notes Series
428907
This series of Notes was issued and sold upon the funding of the borrower loan #39088, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| Oct-16-2009 |
| |
Auction end date:
| Oct-21-2009 |
|
|
Starting lender yield:
| 24.77% |
Starting borrower rate/APR:
| 25.77% / 28.09% |
Starting monthly payment:
| $482.02 |
|
Final lender yield:
| 21.75% |
Final borrower rate/APR:
| 22.75% / 25.02% |
Final monthly payment:
| $462.95 |
| |
|
Auction yield range:
| 8.27% - 24.77% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Dec-1990 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 700-720 (Oct-2009) |
Current / open credit lines:
| 14
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 23y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,943 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 10% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 30 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| 1nyyank |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 92% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < mo. late:
| 1
( 8% )
| 700-720
(Sep-2009)
680-700
(Jul-2008)
|
|
Principal balance:
| $5,630.63 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
"Debt Free Before Retirement"
Purpose of loan:
This loan will be used to?pay off credit card debt and student loans?I have acquired with four sons and six grandchildren.? I am trying to be smarter for my retirement and help myself first before I help others, then I can give back!? I would love to be debt free to help other on Prosper and not owe the government run banks or credit card companies none of my money.?
My financial situation:
I am a great candidate for this loan because? I have always been a great worker and have 24 years of teaching experience.? I went back to school and got another degree to increase my income by 7500.00 a year because I only have 8 more years to teach and wanted to bump up my retirement.? I had to take out a loan to do this.? But I want to be debt free in 3 to 5 years and not rely on anyone but myself to enjoy my retirement. I want to live my later years enjoying my 6 grandchildren and helping them fulfill their dreams by being a great role model.? I always pay my bills. And I am grateful for my first Prosper Loan.? And if my second loan is funded I can complete my goal and then I would like to become? Prosper investor and help others accomplish the same goals. America needs to get back to this way of banking and helping people!
Monthly net income: $ 3540.00
Monthly expenses: $ 3400.00
??Housing: $ 1200.00
??Insurance: $ 259.00
??Car expenses: $ 324.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 152.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 1050.00
??Other expenses: $ student loan $200.00
undefinedundefinedundefinedundefinedundefinedundefinedundefinedundefinedundefined
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Will the proceeds from this loan eliminate 100% of the $1,050 monthly credit card and other debt service expense, or a smaller percentage? thanks - reflective-rupee
A:
yes and then I will only have my debit card associated with my checking account. Thank the Good Lord! Thank you!
(Oct-17-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| im2bz2p2 | $25.00 | $25.00 | 10/16/2009 4:03:17 PM |
| portfolio-zone801 | $25.00 | $25.00 | 10/16/2009 4:03:37 PM |
| eloquent-penny | $25.00 | $25.00 | 10/16/2009 4:06:01 PM |
| skuba | $25.00 | $25.00 | 10/16/2009 4:06:45 PM |
| cyberie21 | $40.00 | $40.00 | 10/16/2009 4:07:42 PM |
| JohnGalt94 | $25.00 | $25.00 | 10/16/2009 4:03:27 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/16/2009 4:04:17 PM |
| windfall46 | $25.00 | $25.00 | 10/16/2009 4:11:05 PM |
| helpful-dough | $25.00 | $25.00 | 10/16/2009 4:11:42 PM |
| zone8 | $25.00 | $25.00 | 10/16/2009 4:06:21 PM |
| treasure-firestarter8 | $25.00 | $25.00 | 10/16/2009 4:06:29 PM |
| Prezotus | $25.00 | $25.00 | 10/16/2009 4:13:25 PM |
| chlebie | $50.00 | $50.00 | 10/16/2009 4:14:00 PM |
| booksleuth | $50.00 | $50.00 | 10/16/2009 4:07:29 PM |
| GElender | $25.00 | $25.00 | 10/16/2009 4:14:06 PM |
| Weaverville | $50.00 | $50.00 | 10/16/2009 4:08:21 PM |
| mathprof | $25.00 | $25.00 | 10/16/2009 4:14:20 PM |
| Banker7371 | $25.00 | $25.00 | 10/16/2009 4:08:32 PM |
| dinobuddy | $25.00 | $25.00 | 10/16/2009 4:15:20 PM |
| five-star-justice | $36.00 | $36.00 | 10/16/2009 4:10:22 PM |
| czar3 | $30.00 | $30.00 | 10/16/2009 4:17:13 PM |
| Dohshooter | $50.00 | $50.00 | 10/16/2009 4:10:34 PM |
| zoomdrm57 | $25.00 | $25.00 | 10/16/2009 4:10:47 PM |
| aldeed | $25.00 | $25.00 | 10/16/2009 4:11:17 PM |
| ah-long | $25.00 | $25.00 | 10/16/2009 4:11:22 PM |
| friendly-gold | $25.00 | $25.00 | 10/16/2009 4:11:13 PM |
| TQLender | $25.00 | $25.00 | 10/16/2009 4:11:27 PM |
| mtquan | $25.00 | $25.00 | 10/16/2009 4:12:05 PM |
| desertoasis | $50.00 | $50.00 | 10/16/2009 4:12:10 PM |
| sophisticated-ore | $200.00 | $200.00 | 10/16/2009 4:19:38 PM |
| Gibbyland | $50.00 | $50.00 | 10/16/2009 4:12:18 PM |
| Champpilot | $50.00 | $50.00 | 10/16/2009 4:19:50 PM |
| the-silver-blaster | $51.00 | $51.00 | 10/16/2009 4:12:33 PM |
| neighborly-bid | $25.00 | $25.00 | 10/16/2009 4:20:02 PM |
| andrewgl | $25.00 | $25.00 | 10/16/2009 4:12:39 PM |
| BuffetRocks | $50.00 | $50.00 | 10/16/2009 4:12:54 PM |
| Clambake | $50.00 | $50.00 | 10/16/2009 4:20:28 PM |
| thedreamer | $25.00 | $25.00 | 10/16/2009 4:13:06 PM |
| flwah | $25.00 | $25.00 | 10/16/2009 4:13:47 PM |
| VBAces | $25.00 | $25.00 | 10/16/2009 4:13:59 PM |
| YogaDude34 | $25.00 | $25.00 | 10/16/2009 4:14:03 PM |
| L-vex | $25.00 | $25.00 | 10/16/2009 4:14:11 PM |
| red-favorable-basis | $25.00 | $25.00 | 10/16/2009 4:14:49 PM |
| mpactlender | $25.00 | $25.00 | 10/16/2009 4:14:53 PM |
| gamp | $25.00 | $25.00 | 10/16/2009 4:15:00 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 10/16/2009 4:15:07 PM |
| asiaratt | $25.00 | $25.00 | 10/16/2009 4:21:58 PM |
| dime-worker | $25.00 | $25.00 | 10/16/2009 4:22:30 PM |
| secobarbital | $25.00 | $25.00 | 10/16/2009 4:15:44 PM |
| visionary-currency | $25.00 | $25.00 | 10/16/2009 4:15:33 PM |
| bchen78875 | $25.00 | $25.00 | 10/16/2009 4:22:36 PM |
| gold-tsunami | $25.00 | $25.00 | 10/16/2009 4:22:39 PM |
| WalnutCreekguy | $33.00 | $33.00 | 10/16/2009 4:22:47 PM |
| techvet | $25.00 | $25.00 | 10/16/2009 4:22:51 PM |
| unequaled-credit7 | $25.00 | $25.00 | 10/16/2009 4:16:11 PM |
| DukSerduk | $25.00 | $25.00 | 10/16/2009 4:16:16 PM |
| abidos | $25.00 | $25.00 | 10/16/2009 4:16:21 PM |
| Sam65 | $25.00 | $25.00 | 10/16/2009 4:23:01 PM |
| westsidehighway | $25.00 | $25.00 | 10/16/2009 4:23:09 PM |
| ibuystk | $50.00 | $50.00 | 10/16/2009 4:23:14 PM |
| martinatime | $25.00 | $25.00 | 10/16/2009 4:23:17 PM |
| Tikibarman | $50.00 | $50.00 | 10/16/2009 4:23:32 PM |
| beyondmanagement | $25.00 | $25.00 | 10/16/2009 4:23:40 PM |
| justice-dna | $25.00 | $25.00 | 10/16/2009 4:17:17 PM |
| flaparty | $50.00 | $50.00 | 10/16/2009 4:23:45 PM |
| jdrez | $25.00 | $25.00 | 10/16/2009 4:23:51 PM |
| don8ter | $25.00 | $25.00 | 10/16/2009 4:23:57 PM |
| exact-justice | $25.00 | $25.00 | 10/16/2009 4:24:14 PM |
| benefit-squirrel | $30.00 | $30.00 | 10/16/2009 4:24:16 PM |
| silver-armada | $50.00 | $50.00 | 10/16/2009 4:19:29 PM |
| HelpFromNY | $25.00 | $25.00 | 10/16/2009 4:25:36 PM |
| icon7 | $50.00 | $50.00 | 10/16/2009 4:19:22 PM |
| Artist_Blue | $25.00 | $25.00 | 10/16/2009 4:19:33 PM |
| davez0r | $25.00 | $25.00 | 10/16/2009 4:25:48 PM |
| dparkhom | $25.00 | $25.00 | 10/16/2009 4:19:56 PM |
| bonus-buddy2 | $35.00 | $35.00 | 10/16/2009 4:20:07 PM |
| best-marketologist | $25.00 | $25.00 | 10/16/2009 4:20:44 PM |
| tremendous-payment | $25.00 | $25.00 | 10/16/2009 4:21:18 PM |
| SimGuy | $25.00 | $25.00 | 10/16/2009 4:21:11 PM |
| vcbogan | $100.00 | $100.00 | 10/16/2009 4:21:29 PM |
| integrity-spilunker | $25.00 | $25.00 | 10/16/2009 4:21:15 PM |
| AAAprivatelender | $25.00 | $25.00 | 10/16/2009 4:27:11 PM |
| radiant-fund | $25.00 | $25.00 | 10/16/2009 4:21:53 PM |
| Josta | $50.00 | $50.00 | 10/16/2009 4:21:48 PM |
| trapper569 | $25.00 | $25.00 | 10/16/2009 4:21:50 PM |
| gold-disk | $50.00 | $50.00 | 10/16/2009 4:27:54 PM |
| MissionMicroFinance | $25.00 | $25.00 | 10/16/2009 4:22:01 PM |
| RetiredATC | $25.00 | $25.00 | 10/16/2009 4:22:04 PM |
| catomaior | $25.00 | $25.00 | 10/16/2009 4:22:18 PM |
| Gabriel02 | $25.00 | $25.00 | 10/16/2009 4:22:25 PM |
| SnE | $25.00 | $25.00 | 10/16/2009 4:22:34 PM |
| LendDoc | $25.00 | $25.00 | 10/16/2009 4:22:29 PM |
| rjleves | $25.00 | $25.00 | 10/16/2009 4:22:42 PM |
| ferocious-exchange3 | $25.00 | $25.00 | 10/16/2009 4:28:45 PM |
| chicco | $80.00 | $80.00 | 10/16/2009 4:22:53 PM |
| jeg3k | $25.00 | $25.00 | 10/16/2009 4:22:55 PM |
| Dahlozer | $25.00 | $25.00 | 10/16/2009 4:23:06 PM |
| poeman | $25.00 | $25.00 | 10/16/2009 4:23:13 PM |
| smmgnn99 | $25.00 | $25.00 | 10/16/2009 4:29:14 PM |
| sambog | $25.00 | $25.00 | 10/16/2009 4:23:27 PM |
| mstebnicki | $25.00 | $25.00 | 10/16/2009 4:23:24 PM |
| xstreamin | $25.00 | $25.00 | 10/16/2009 4:23:26 PM |
| capital-duckling | $25.00 | $25.00 | 10/16/2009 4:23:31 PM |
| fortytwo | $100.00 | $100.00 | 10/16/2009 4:23:36 PM |
| DublinCaLender | $25.00 | $25.00 | 10/16/2009 4:23:47 PM |
| ThomasCrown | $30.00 | $30.00 | 10/16/2009 4:23:44 PM |
| Medic05 | $25.00 | $25.00 | 10/16/2009 4:29:56 PM |
| yukongin | $25.00 | $25.00 | 10/16/2009 4:24:05 PM |
| unitedins | $25.00 | $25.00 | 10/16/2009 4:24:08 PM |
| charlieok | $25.00 | $25.00 | 10/16/2009 4:36:30 PM |
| wayman | $50.00 | $50.00 | 10/16/2009 4:24:13 PM |
| NJournalist | $25.00 | $25.00 | 10/16/2009 4:37:03 PM |
| Vegasjim | $25.00 | $25.00 | 10/16/2009 4:24:29 PM |
| hopethisworks | $100.00 | $100.00 | 10/16/2009 4:24:33 PM |
| KailuaLender | $25.00 | $25.00 | 10/16/2009 4:24:36 PM |
| preciousjeni | $50.00 | $50.00 | 10/16/2009 4:24:39 PM |
| wiltonbound | $25.00 | $25.00 | 10/16/2009 4:25:04 PM |
| keeks | $25.00 | $25.00 | 10/16/2009 4:25:14 PM |
| GatorBait | $25.00 | $25.00 | 10/16/2009 4:25:13 PM |
| peripatetic | $25.00 | $25.00 | 10/16/2009 4:25:21 PM |
| Climbingcoby | $25.00 | $25.00 | 10/16/2009 4:25:37 PM |
| thrifty-peso | $25.00 | $25.00 | 10/16/2009 4:25:47 PM |
| Coach2often | $25.00 | $25.00 | 10/16/2009 4:25:56 PM |
| CPAMAN | $25.00 | $25.00 | 10/16/2009 4:25:49 PM |
| jakedubb | $25.00 | $25.00 | 10/16/2009 4:25:54 PM |
| loan-master996 | $50.00 | $50.00 | 10/16/2009 4:26:09 PM |
| Loan_shark718 | $50.00 | $50.00 | 10/16/2009 4:39:27 PM |
| jybank | $25.00 | $25.00 | 10/16/2009 4:26:12 PM |
| lagnisiruk | $25.00 | $25.00 | 10/16/2009 4:39:50 PM |
| biobulator | $25.00 | $25.00 | 10/16/2009 4:26:16 PM |
| heroic-benefit | $25.00 | $25.00 | 10/16/2009 4:26:33 PM |
| Orringo | $50.00 | $50.00 | 10/16/2009 4:27:13 PM |
| markgm | $25.00 | $25.00 | 10/16/2009 4:46:32 PM |
| FountainShrugged | $25.00 | $25.00 | 10/16/2009 4:26:51 PM |
| charming-point | $50.00 | $50.00 | 10/16/2009 4:27:22 PM |
| upc_tnt | $25.00 | $25.00 | 10/16/2009 4:27:38 PM |
| OldProp | $25.00 | $25.00 | 10/16/2009 4:28:00 PM |
| NYWA | $25.00 | $25.00 | 10/16/2009 4:27:57 PM |
| Lendomatic | $25.00 | $25.00 | 10/16/2009 4:28:04 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 10/16/2009 4:29:38 PM |
| gluon | $25.00 | $25.00 | 10/16/2009 4:29:49 PM |
| MediaAndMicrocode | $25.00 | $25.00 | 10/16/2009 7:06:14 PM |
| tornandfrayed | $25.00 | $25.00 | 10/16/2009 4:36:48 PM |
| money-shaker | $25.00 | $25.00 | 10/16/2009 4:36:56 PM |
| All_Wins | $25.00 | $25.00 | 10/16/2009 4:37:09 PM |
| saffron4 | $25.00 | $25.00 | 10/16/2009 4:36:54 PM |
| kumpa2u | $25.00 | $25.00 | 10/16/2009 7:11:21 PM |
| Syzygy | $25.00 | $25.00 | 10/16/2009 4:38:00 PM |
| intelligent-yield | $25.00 | $25.00 | 10/16/2009 4:38:47 PM |
| manyhappydogs | $26.96 | $26.96 | 10/16/2009 4:38:58 PM |
| wwwUniversal | $25.00 | $25.00 | 10/16/2009 4:39:22 PM |
| pythia | $25.00 | $25.00 | 10/16/2009 4:38:55 PM |
| SBT | $50.00 | $50.00 | 10/16/2009 4:39:27 PM |
| TheMan | $25.00 | $25.00 | 10/16/2009 4:39:26 PM |
| neil1492 | $25.00 | $25.00 | 10/16/2009 4:40:42 PM |
| Frenchynh | $25.00 | $25.00 | 10/16/2009 4:46:17 PM |
| galtsgulch | $25.00 | $25.00 | 10/16/2009 4:46:34 PM |
| AndersenWatcher | $25.00 | $25.00 | 10/16/2009 10:46:07 PM |
| WorldlyWorker | $25.00 | $25.00 | 10/16/2009 6:06:33 PM |
| seattleslug | $25.00 | $25.00 | 10/16/2009 6:21:21 PM |
| iuseyew | $25.00 | $25.00 | 10/16/2009 7:11:19 PM |
| Petite_Rose | $25.00 | $25.00 | 10/16/2009 7:17:30 PM |
| bradania | $25.00 | $25.00 | 10/16/2009 7:41:23 PM |
| Boxhead | $25.00 | $25.00 | 10/17/2009 8:22:05 AM |
| meoweo | $25.00 | $25.00 | 10/17/2009 8:22:28 AM |
| three-for-6 | $25.00 | $25.00 | 10/16/2009 8:26:55 PM |
| imlosttoo | $25.00 | $25.00 | 10/16/2009 8:36:34 PM |
| theincarnatemike | $25.00 | $25.00 | 10/16/2009 11:31:17 PM |
| junes08 | $25.00 | $25.00 | 10/17/2009 8:41:27 AM |
| wdfraser | $25.00 | $25.00 | 10/17/2009 8:22:15 AM |
| whiteshadow | $25.00 | $25.00 | 10/17/2009 8:22:09 AM |
| seanwolter | $25.00 | $25.00 | 10/17/2009 8:22:33 AM |
| Lam0nt | $25.00 | $25.00 | 10/17/2009 8:26:00 AM |
| new-goal-return | $25.00 | $25.00 | 10/17/2009 8:29:59 AM |
| LenderDan | $100.00 | $100.00 | 10/17/2009 8:30:00 AM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 10/17/2009 10:26:48 PM |
| scottr | $25.00 | $25.00 | 10/18/2009 11:21:52 AM |
| Rogelio48 | $25.00 | $25.00 | 10/19/2009 7:06:49 AM |
| loanfairy | $25.00 | $25.00 | 10/19/2009 9:37:37 AM |
| shawnw2 | $50.00 | $50.00 | 10/19/2009 11:48:43 AM |
| junes08 | $50.00 | $50.00 | 10/19/2009 11:48:59 AM |
| thrifty-return | $30.00 | $30.00 | 10/19/2009 5:07:30 PM |
| GMPK_TLAS | $25.00 | $25.00 | 10/19/2009 5:07:37 PM |
| Sateesh | $30.48 | $30.48 | 10/19/2009 7:56:39 PM |
| slcchad | $25.00 | $25.00 | 10/19/2009 7:06:47 PM |
| payout-magician | $50.00 | $50.00 | 10/19/2009 8:16:19 PM |
| value-pole | $25.00 | $25.00 | 10/20/2009 9:31:46 AM |
| value-microscope | $25.00 | $25.00 | 10/20/2009 9:32:04 AM |
| Slowtype | $25.00 | $25.00 | 10/20/2009 10:53:37 AM |
| cbm369 | $120.00 | $120.00 | 10/21/2009 4:16:42 AM |
| payout-comet | $25.00 | $25.00 | 10/21/2009 4:38:34 AM |
| a-reasonable-return | $50.00 | $50.00 | 10/21/2009 7:29:08 AM |
| AuroraRobbin | $50.00 | $50.00 | 10/21/2009 7:29:55 AM |
| coolspeed | $25.00 | $25.00 | 10/16/2009 4:05:33 PM |
| Supernick | $50.00 | $50.00 | 10/16/2009 4:08:09 PM |
| Halos2002 | $50.00 | $50.00 | 10/16/2009 4:08:17 PM |
| irrelevant | $25.00 | $25.00 | 10/16/2009 4:08:58 PM |
| ITExec | $80.00 | $80.00 | 10/16/2009 4:09:03 PM |
| kmwvma | $25.00 | $25.00 | 10/16/2009 4:03:33 PM |
| wildguy | $25.00 | $25.00 | 10/16/2009 4:09:36 PM |
| ingenious-diversification | $25.00 | $25.00 | 10/16/2009 4:03:21 PM |
| wampum-chorus3 | $25.00 | $25.00 | 10/16/2009 4:03:31 PM |
| IIP77 | $25.00 | $25.00 | 10/16/2009 4:04:14 PM |
| educationfirst | $25.00 | $25.00 | 10/16/2009 4:10:41 PM |
| Cheburashka | $25.00 | $25.00 | 10/16/2009 4:04:50 PM |
| unk1911 | $25.00 | $25.00 | 10/16/2009 4:04:21 PM |
| ro37 | $25.00 | $25.00 | 10/16/2009 4:05:08 PM |
| 3am-preacher | $25.00 | $25.00 | 10/16/2009 4:11:36 PM |
| reciprocate | $50.00 | $50.00 | 10/16/2009 4:12:00 PM |
| crazycool | $35.00 | $35.00 | 10/16/2009 4:06:38 PM |
| Wangersinc | $25.00 | $25.00 | 10/16/2009 4:13:52 PM |
| nodrivelpls | $25.00 | $25.00 | 10/16/2009 4:07:34 PM |
| Veloce | $25.00 | $25.00 | 10/16/2009 4:07:39 PM |
| 02bob | $25.00 | $25.00 | 10/16/2009 4:08:01 PM |
| skiberdad | $50.00 | $50.00 | 10/16/2009 4:14:24 PM |
| personal-lender | $25.00 | $25.00 | 10/16/2009 4:15:37 PM |
| OCBLUE | $25.00 | $25.00 | 10/16/2009 4:09:49 PM |
| Hondo | $25.00 | $25.00 | 10/16/2009 4:10:15 PM |
| 4est | $25.00 | $25.00 | 10/16/2009 4:10:19 PM |
| kulender | $25.00 | $25.00 | 10/16/2009 4:16:26 PM |
| income-crescendo1 | $25.00 | $25.00 | 10/16/2009 4:17:11 PM |
| AF-Chief | $25.00 | $25.00 | 10/16/2009 4:10:31 PM |
| Carpetkid | $25.00 | $25.00 | 10/16/2009 4:10:49 PM |
| kanakakm | $25.00 | $25.00 | 10/16/2009 4:11:08 PM |
| LR_Biker | $25.00 | $25.00 | 10/16/2009 4:11:30 PM |
| a-responsible-return | $25.00 | $25.00 | 10/16/2009 4:11:52 PM |
| reaction5 | $25.00 | $25.00 | 10/16/2009 4:11:55 PM |
| get30inc | $25.00 | $25.00 | 10/16/2009 4:12:47 PM |
| jhouman | $25.00 | $25.00 | 10/16/2009 4:12:43 PM |
| honorable-yield | $25.00 | $25.00 | 10/16/2009 4:13:16 PM |
| d_grbg | $25.00 | $25.00 | 10/16/2009 4:12:56 PM |
| CarDealer3070 | $25.00 | $25.00 | 10/16/2009 4:13:21 PM |
| yield-lion | $25.00 | $25.00 | 10/16/2009 4:20:36 PM |
| spitzbergen | $25.00 | $25.00 | 10/16/2009 4:13:34 PM |
| revenue-kazoo | $25.00 | $25.00 | 10/16/2009 4:20:51 PM |
| akahoss | $25.00 | $25.00 | 10/16/2009 4:20:55 PM |
| unclejaef | $25.00 | $25.00 | 10/16/2009 4:13:37 PM |
| engaging-worth | $30.00 | $30.00 | 10/16/2009 4:21:00 PM |
| Sixmil | $25.00 | $25.00 | 10/16/2009 4:13:57 PM |
| Toastsr | $50.00 | $50.00 | 10/16/2009 4:14:14 PM |
| bxdoc | $55.70 | $55.70 | 10/16/2009 4:14:22 PM |
| BaileyBrothers | $25.00 | $25.00 | 10/16/2009 4:21:27 PM |
| swoosh | $25.00 | $25.00 | 10/16/2009 4:21:38 PM |
| standanddeliver | $25.00 | $25.00 | 10/16/2009 4:14:46 PM |
| PatRichi | $25.00 | $25.00 | 10/16/2009 4:15:03 PM |
| jdl424 | $25.00 | $25.00 | 10/16/2009 4:15:11 PM |
| uncleegg | $25.00 | $25.00 | 10/16/2009 4:22:09 PM |
| courteous-deal8 | $25.00 | $25.00 | 10/16/2009 4:22:21 PM |
| SNH | $50.00 | $50.00 | 10/16/2009 4:15:28 PM |
| JohnW12 | $25.00 | $25.00 | 10/16/2009 4:22:32 PM |
| delivery | $25.00 | $25.00 | 10/16/2009 4:15:48 PM |
| anton | $25.00 | $25.00 | 10/16/2009 4:15:53 PM |
| louisianalender | $100.00 | $100.00 | 10/16/2009 4:16:00 PM |
| fcb202 | $25.00 | $25.00 | 10/16/2009 4:16:06 PM |
| sloan | $25.00 | $25.00 | 10/16/2009 4:22:49 PM |
| zone6 | $25.00 | $25.00 | 10/16/2009 4:16:35 PM |
| youqianderen | $50.00 | $50.00 | 10/16/2009 4:23:08 PM |
| SDNLR | $25.00 | $25.00 | 10/16/2009 4:16:41 PM |
| Havana21 | $50.00 | $50.00 | 10/16/2009 4:16:47 PM |
| InvestorPartners | $25.00 | $25.00 | 10/16/2009 4:16:51 PM |
| inventive-wealth2 | $25.00 | $25.00 | 10/16/2009 4:17:05 PM |
| gracej | $25.00 | $25.00 | 10/16/2009 4:17:00 PM |
| transparency-giant | $25.00 | $25.00 | 10/16/2009 4:23:34 PM |
| djh47a | $30.00 | $30.00 | 10/16/2009 4:17:21 PM |
| laredotornado | $25.00 | $25.00 | 10/16/2009 4:23:38 PM |
| cpaphoto | $25.00 | $25.00 | 10/16/2009 4:23:42 PM |
| decisive-capital | $50.00 | $50.00 | 10/16/2009 4:23:48 PM |
| bluesheep | $25.00 | $25.00 | 10/16/2009 4:23:54 PM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/16/2009 4:17:33 PM |
| Aquani | $50.00 | $50.00 | 10/16/2009 4:24:10 PM |
| slartibardfast | $25.00 | $25.00 | 10/16/2009 4:24:43 PM |
| beezling | $52.00 | $52.00 | 10/16/2009 4:24:47 PM |
| sauerstoff | $25.00 | $25.00 | 10/16/2009 4:25:23 PM |
| rolandweary | $40.00 | $40.00 | 10/16/2009 4:19:18 PM |
| oreyedoc | $25.00 | $25.00 | 10/16/2009 4:25:39 PM |
| museic1 | $50.00 | $50.00 | 10/16/2009 4:19:46 PM |
| Fortuno_per_commodo | $25.00 | $25.00 | 10/16/2009 4:20:20 PM |
| 108lender | $75.00 | $75.00 | 10/16/2009 4:26:03 PM |
| gadget7 | $25.00 | $25.00 | 10/16/2009 4:20:10 PM |
| greenfuture | $25.00 | $25.00 | 10/16/2009 4:20:46 PM |
| SB-Funding | $50.00 | $50.00 | 10/16/2009 4:20:31 PM |
| papaman | $25.00 | $25.00 | 10/16/2009 4:21:41 PM |
| lounges | $50.00 | $50.00 | 10/16/2009 4:27:40 PM |
| crenen139 | $25.00 | $25.00 | 10/16/2009 4:22:02 PM |
| deal-pinnacle7 | $25.00 | $25.00 | 10/16/2009 4:28:09 PM |
| Trimalchio12 | $25.00 | $25.00 | 10/16/2009 4:22:14 PM |
| srfb973 | $50.00 | $50.00 | 10/16/2009 4:28:28 PM |
| Cai8899 | $25.00 | $25.00 | 10/16/2009 4:22:26 PM |
| brazilofmux | $100.00 | $100.00 | 10/16/2009 4:22:45 PM |
| socialbanker | $25.00 | $25.00 | 10/16/2009 4:23:03 PM |
| ianakacg | $25.00 | $25.00 | 10/16/2009 4:22:58 PM |
| MicroL | $25.00 | $25.00 | 10/16/2009 4:23:11 PM |
| dedicated-diversification5 | $30.00 | $30.00 | 10/16/2009 4:29:08 PM |
| Dunndeal4u | $25.00 | $25.00 | 10/16/2009 4:23:21 PM |
| Skramar | $25.00 | $25.00 | 10/16/2009 4:23:29 PM |
| next2 | $25.00 | $25.00 | 10/16/2009 4:29:17 PM |
| cathexis | $25.00 | $25.00 | 10/16/2009 4:23:39 PM |
| truth-futurist | $25.00 | $25.00 | 10/16/2009 4:23:52 PM |
| Dutchhunter | $25.00 | $25.00 | 10/16/2009 4:24:06 PM |
| power-collider | $25.00 | $25.00 | 10/16/2009 4:24:02 PM |
| VentureExplorer | $25.00 | $25.00 | 10/16/2009 4:24:11 PM |
| MARWARISETH | $25.00 | $25.00 | 10/16/2009 4:24:08 PM |
| coolnatkat | $25.00 | $25.00 | 10/16/2009 4:36:27 PM |
| LendGuy | $25.00 | $25.00 | 10/16/2009 4:24:19 PM |
| Tavita | $25.00 | $25.00 | 10/16/2009 4:24:22 PM |
| aasx1108 | $25.00 | $25.00 | 10/16/2009 4:24:17 PM |
| andyb9 | $25.00 | $25.00 | 10/16/2009 4:24:26 PM |
| NATIVEBORN | $25.00 | $25.00 | 10/16/2009 4:37:13 PM |
| rlrcstr | $25.00 | $25.00 | 10/16/2009 4:37:15 PM |
| LenderByDay | $25.00 | $25.00 | 10/16/2009 4:24:48 PM |
| bonanza1973 | $25.00 | $25.00 | 10/16/2009 4:24:56 PM |
| CAGE-Investments | $25.00 | $25.00 | 10/16/2009 4:25:02 PM |
| noble-revenue | $100.00 | $100.00 | 10/16/2009 4:25:11 PM |
| Rinastiti | $25.00 | $25.00 | 10/16/2009 4:25:09 PM |
| agwosdof | $50.00 | $50.00 | 10/16/2009 4:25:33 PM |
| Approved1234 | $25.00 | $25.00 | 10/16/2009 4:25:25 PM |
| TW2000 | $25.00 | $25.00 | 10/16/2009 4:25:51 PM |
| pwkpwk | $25.00 | $25.00 | 10/16/2009 4:38:59 PM |
| ClearLake | $25.00 | $25.00 | 10/16/2009 4:39:23 PM |
| dinero-mason | $50.00 | $50.00 | 10/16/2009 4:26:22 PM |
| Lender0010 | $25.00 | $25.00 | 10/16/2009 4:26:38 PM |
| gig4ls | $25.00 | $25.00 | 10/16/2009 4:26:40 PM |
| brittany | $25.00 | $25.00 | 10/16/2009 4:26:53 PM |
| Fuzkaska__F_u_n_d_s | $25.00 | $25.00 | 10/16/2009 4:26:55 PM |
| divedude | $25.00 | $25.00 | 10/16/2009 4:46:13 PM |
| VeedonFleece | $25.00 | $25.00 | 10/16/2009 4:46:46 PM |
| wrighco | $25.00 | $25.00 | 10/16/2009 4:27:03 PM |
| elebovic | $25.00 | $25.00 | 10/16/2009 4:27:51 PM |
| mpatrick | $50.00 | $50.00 | 10/16/2009 4:27:48 PM |
| commerce-champion | $25.00 | $25.00 | 10/16/2009 4:28:01 PM |
| Auburnmist | $25.00 | $25.00 | 10/16/2009 4:27:59 PM |
| beakerfish | $70.00 | $70.00 | 10/16/2009 4:28:29 PM |
| kirkjerk | $25.00 | $25.00 | 10/16/2009 4:28:37 PM |
| ngmansfield | $25.00 | $25.00 | 10/16/2009 4:28:59 PM |
| tallmon | $25.00 | $25.00 | 10/16/2009 4:28:50 PM |
| treasure-transporter | $25.00 | $25.00 | 10/16/2009 4:29:27 PM |
| loan-machine1 | $25.00 | $25.00 | 10/16/2009 4:29:52 PM |
| NoCal | $25.00 | $25.00 | 10/16/2009 4:30:00 PM |
| MidnightBank | $25.00 | $25.00 | 10/16/2009 4:37:01 PM |
| Marfloogan | $25.00 | $25.00 | 10/16/2009 4:36:58 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/16/2009 4:37:26 PM |
| sentry256 | $25.00 | $25.00 | 10/16/2009 4:37:04 PM |
| IP | $50.00 | $50.00 | 10/16/2009 4:37:22 PM |
| jdnyc | $25.00 | $25.00 | 10/16/2009 4:39:25 PM |
| matrix456 | $25.00 | $25.00 | 10/16/2009 4:38:57 PM |
| financial-frenzy | $25.00 | $25.00 | 10/16/2009 4:39:00 PM |
| samaritan5 | $25.00 | $25.00 | 10/16/2009 4:39:18 PM |
| paymentologist | $25.00 | $25.00 | 10/16/2009 4:39:30 PM |
| dashawn | $25.00 | $25.00 | 10/16/2009 5:06:08 PM |
| langdonx | $25.00 | $25.00 | 10/16/2009 6:21:29 PM |
| blivet1970 | $25.00 | $25.00 | 10/17/2009 12:11:14 AM |
| elated-justice | $25.00 | $25.00 | 10/16/2009 6:51:12 PM |
| larry2003 | $25.00 | $25.00 | 10/17/2009 6:51:22 AM |
| theemhdoctor | $25.00 | $25.00 | 10/16/2009 7:41:31 PM |
| lisyuan | $25.00 | $25.00 | 10/16/2009 7:42:07 PM |
| HalfDayz | $50.00 | $50.00 | 10/17/2009 8:22:04 AM |
| Mathiaslh | $25.00 | $25.00 | 10/17/2009 8:22:07 AM |
| bowerz | $25.00 | $25.00 | 10/16/2009 8:26:57 PM |
| thumper64 | $25.00 | $25.00 | 10/16/2009 8:46:15 PM |
| HelpandProsper | $25.00 | $25.00 | 10/16/2009 10:11:17 PM |
| srfb973 | $35.00 | $35.00 | 10/16/2009 10:26:12 PM |
| HunterSix | $25.00 | $25.00 | 10/17/2009 6:46:36 AM |
| mjjjrj | $25.00 | $25.00 | 10/17/2009 6:56:09 AM |
| theaterguy | $25.00 | $25.00 | 10/17/2009 8:21:59 AM |
| iruz | $30.00 | $30.00 | 10/17/2009 8:22:06 AM |
| dokiya777 | $25.00 | $25.00 | 10/17/2009 8:22:29 AM |
| feedpaulyfaster | $25.00 | $25.00 | 10/17/2009 8:22:33 AM |
| 7588WorkingGuy | $25.00 | $1.98 | 10/17/2009 8:22:34 AM |
| Kash2010lu | $25.00 | $25.00 | 10/17/2009 8:43:41 AM |
| icon7 | $50.00 | $50.00 | 10/17/2009 7:03:26 PM |
| interstellar | $32.88 | $32.88 | 10/18/2009 6:11:10 AM |
| jonn834 | $25.00 | $25.00 | 10/18/2009 6:05:14 PM |
| jeffreyd81 | $25.00 | $25.00 | 10/19/2009 9:31:26 AM |
| the-money-gargantuan | $25.00 | $25.00 | 10/19/2009 11:01:32 AM |
| snoopey100 | $25.00 | $25.00 | 10/19/2009 3:59:01 PM |
| seisen | $50.00 | $50.00 | 10/19/2009 4:14:39 PM |
| tsquared_030 | $25.00 | $25.00 | 10/19/2009 4:42:12 PM |
| FinanceEngine | $25.00 | $25.00 | 10/19/2009 5:51:32 PM |
| ChrisTJ | $25.00 | $25.00 | 10/20/2009 12:28:33 AM |
| tnjohnso | $25.00 | $25.00 | 10/20/2009 9:42:41 AM |
| fuzed | $25.00 | $25.00 | 10/20/2009 10:26:18 AM |
| Mantis75 | $25.00 | $25.00 | 10/20/2009 11:42:58 AM |
| littlemonkey | $25.00 | $25.00 | 10/21/2009 12:58:45 AM |
| 383 bids
|
Borrower Payment Dependent Notes Series
429101
This series of Notes was issued and sold upon the funding of the borrower loan #39072, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,600.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Oct-19-2009 |
| |
Auction end date:
| Oct-22-2009 |
|
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 30.45% |
Starting monthly payment:
| $66.18 |
|
Final lender yield:
| 27.00% |
Final borrower rate/APR:
| 28.00% / 30.45% |
Final monthly payment:
| $66.18 |
| |
|
Auction yield range:
| 8.27% - 27.00% |
Estimated loss impact:
| 7.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.85% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 640-660 (Oct-2009) |
Current / open credit lines:
| 7
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 33 | Length of status: | 6y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,026 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| jimmyg3434 |
Borrower's state:
| Illinois |
Borrower's group:
| Top Borrowers Group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $1,300.00 | < mo. late:
| 0
( 0% )
| 540-560
(Feb-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
2nd Time Borrower
The purpose of this loan would be to get a new transmission for my car.? I am a 31 year old responsible person that needs a loan so I can fix my car.? I have borrowed from Prosper once before and had no trouble paying it back, as I won't this time either.? I take home roughly $700 dollars per week from my job and I also officiate flag football and basketball which nets me about $400-$600 extra per month.? I have held my current job for over 7 years and will continue to have steady income.? I have increased my credit score by 80 points in the past two years and will continue to head towards my goal of a 750 rating.? Feel free to ask me any questions.? Thank you for your time and consideration.? My income and expenses are listed below.
Monthly net income: $
3200
Monthly expenses: $
??Housing: $
500
??Insurance: $
80
??Car expenses: $
100
??Utilities: $
50
??Phone, cable, internet: $
75
??Food, entertainment: $
150
??Clothing, household expenses $
50
??Credit cards and other loans: $
100
??Other expenses: $
50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
You have a revolving balance of over $12,000. Could you break it down please. - MsTabbyKats
A:
$8000 to HSBC, which my payment is $75 per month and $4000 to Chase, which my payment is $40 per month.
(Oct-20-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| flexible-economy2 | $25.00 | $25.00 | 10/19/2009 1:00:38 PM |
| dloan | $25.00 | $25.00 | 10/19/2009 1:13:01 PM |
| cbz | $25.00 | $25.00 | 10/19/2009 1:09:02 PM |
| flyinhawaiian | $50.00 | $50.00 | 10/19/2009 1:22:43 PM |
| frugalinvestor20 | $25.00 | $25.00 | 10/19/2009 1:26:10 PM |
| tracyjo | $25.00 | $25.00 | 10/19/2009 6:59:57 PM |
| reflective-rupee | $200.00 | $92.12 | 10/19/2009 11:01:40 PM |
| reflective-rupee | $200.00 | $200.00 | 10/19/2009 11:02:12 PM |
| Top_Gun_Lender | $51.00 | $51.00 | 10/20/2009 3:29:27 AM |
| 101010 | $25.00 | $25.00 | 10/20/2009 8:04:13 AM |
| tnjohnso | $25.00 | $25.00 | 10/20/2009 1:04:27 PM |
| Bank_Of_XL | $50.00 | $50.00 | 10/20/2009 3:10:45 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 10/20/2009 6:27:10 PM |
| jeffe43 | $50.00 | $50.00 | 10/20/2009 8:34:45 PM |
| tenacious-payout | $25.00 | $25.00 | 10/20/2009 8:08:58 PM |
| bonus-chosen-one | $50.00 | $50.00 | 10/20/2009 10:03:43 PM |
| balance-warrior | $25.00 | $25.00 | 10/21/2009 7:47:33 AM |
| a-reasonable-return | $50.00 | $50.00 | 10/21/2009 7:51:55 AM |
| rhin0cerx | $26.88 | $26.88 | 10/21/2009 10:57:55 AM |
| jdwb50 | $25.00 | $25.00 | 10/21/2009 4:29:25 PM |
| interest-friendship | $50.00 | $50.00 | 10/22/2009 9:33:31 AM |
| dblakels | $25.00 | $25.00 | 10/22/2009 11:12:52 AM |
| snw_1710 | $25.00 | $25.00 | 10/19/2009 1:02:07 PM |
| IPG1 | $25.00 | $25.00 | 10/20/2009 6:12:34 AM |
| 101010 | $100.00 | $100.00 | 10/20/2009 8:03:28 AM |
| felicity-daydream | $25.00 | $25.00 | 10/20/2009 1:18:58 PM |
| Syzygy | $25.00 | $25.00 | 10/20/2009 2:14:12 PM |
| festivecpl | $25.00 | $25.00 | 10/20/2009 8:10:34 PM |
| building_community | $50.00 | $50.00 | 10/20/2009 9:19:43 PM |
| InDyingLight | $25.00 | $25.00 | 10/21/2009 2:00:20 AM |
| balance-warrior | $25.00 | $25.00 | 10/21/2009 7:47:19 AM |
| 101010 | $25.00 | $25.00 | 10/21/2009 8:32:01 AM |
| ValyaLibra01 | $50.00 | $50.00 | 10/21/2009 9:59:55 AM |
| nickel-mad-scientist | $25.00 | $25.00 | 10/21/2009 11:07:59 AM |
| icon7 | $50.00 | $50.00 | 10/21/2009 2:22:37 PM |
| bondhedger | $25.00 | $25.00 | 10/21/2009 3:46:36 PM |
| cold1 | $30.00 | $30.00 | 10/21/2009 8:08:05 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/21/2009 11:07:04 PM |
| gelt4u | $25.00 | $25.00 | 10/22/2009 1:25:34 AM |
| AuroraRobbin | $50.00 | $50.00 | 10/22/2009 6:09:40 AM |
| 40 bids
|
Borrower Payment Dependent Notes Series
429345
This series of Notes was issued and sold upon the funding of the borrower loan #39094, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-20-2009 |
| |
Auction end date:
| Oct-22-2009 |
|
|
Starting lender yield:
| 18.49% |
Starting borrower rate/APR:
| 19.49% / 21.72% |
Starting monthly payment:
| $73.81 |
|
Final lender yield:
| 16.00% |
Final borrower rate/APR:
| 17.00% / 19.20% |
Final monthly payment:
| $71.31 |
| |
|
Auction yield range:
| 4.27% - 18.49% |
Estimated loss impact:
| 2.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.83% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 700-720 (Sep-2009) |
Current / open credit lines:
| 18
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 39 | Length of status: | 6y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $69,363 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 66% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| CivilEngineer01 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Catching Up
Purpose of loan:
This loan will be used to? help pay some unexpected medical bills and auto repair for my wife's car. My wife has been on unpaid maternity leave and just went back to work this week. Her car failed inspection and needs some repairs immediately. We also have some unexpected hospital bills as a result?of our?second daughter's birth. We could?use a small loan and greatly appreciate any help?to get us through the next?month and would rather?not?utilize credit cards.?
I am a good candidate for this loan because? very steady and secure Engineering job (in the industry for +/- 20 years), same with my wife. We have NEVER been late with any bill payment, EVER and will have no problem paying this loan back in a very timely fashion.
Monthly net income: $ 4550 (Only me; wife not included)
Monthly expenses: $?2470
??Housing: $ 1000
??Insurance: $?60
??Car expenses: $ 200
??Utilities: $?80
??Phone, cable, internet: $?80
??Food, entertainment: $?200
??Clothing, household expenses $?50
??Credit cards and other loans: $?800
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rjleves | $25.00 | $25.00 | 10/20/2009 4:10:29 PM |
| enterprising-integrity | $25.00 | $25.00 | 10/20/2009 4:24:58 PM |
| snw_1710 | $100.00 | $100.00 | 10/20/2009 4:28:03 PM |
| Borrow2Grow | $51.00 | $10.00 | 10/20/2009 4:30:10 PM |
| Rattlehead | $100.00 | $100.00 | 10/20/2009 4:28:17 PM |
| flyinhawaiian | $50.00 | $50.00 | 10/20/2009 4:29:28 PM |
| REBizGuy | $50.00 | $50.00 | 10/20/2009 4:40:30 PM |
| RadCad1 | $50.00 | $50.00 | 10/20/2009 4:44:33 PM |
| butlerpossible | $25.00 | $25.00 | 10/20/2009 4:45:30 PM |
| cbz | $25.00 | $25.00 | 10/20/2009 4:44:18 PM |
| building_community | $50.00 | $50.00 | 10/20/2009 5:01:02 PM |
| vinayski | $25.00 | $25.00 | 10/20/2009 5:05:16 PM |
| massuot | $50.00 | $50.00 | 10/20/2009 5:30:47 PM |
| p2p-journey | $25.00 | $25.00 | 10/20/2009 7:33:11 PM |
| zielojo | $50.00 | $50.00 | 10/20/2009 9:28:23 PM |
| Prezotus | $25.00 | $25.00 | 10/20/2009 9:38:17 PM |
| Dustley | $25.00 | $25.00 | 10/21/2009 5:28:31 AM |
| SS123 | $25.00 | $25.00 | 10/21/2009 5:24:05 AM |
| EJO | $25.00 | $25.00 | 10/21/2009 5:28:29 AM |
| hotwired | $25.00 | $25.00 | 10/21/2009 5:28:27 AM |
| tender-ore | $25.00 | $25.00 | 10/21/2009 2:53:20 PM |
| Gold_Coin | $25.00 | $25.00 | 10/21/2009 3:37:48 PM |
| sflender1099 | $25.00 | $25.00 | 10/21/2009 3:56:43 PM |
| TaoPooh | $25.00 | $25.00 | 10/21/2009 9:18:38 PM |
| CashProvider | $200.00 | $200.00 | 10/20/2009 4:25:10 PM |
| the-auction-lotus | $25.00 | $25.00 | 10/20/2009 4:22:41 PM |
| Halos2002 | $50.00 | $50.00 | 10/20/2009 4:23:16 PM |
| order-prospector | $40.00 | $40.00 | 10/20/2009 4:27:58 PM |
| SnE | $25.00 | $25.00 | 10/20/2009 4:28:14 PM |
| Dollarhide | $25.00 | $25.00 | 10/20/2009 4:29:25 PM |
| investor_101 | $25.00 | $25.00 | 10/20/2009 4:36:08 PM |
| CallMeBen | $25.00 | $25.00 | 10/20/2009 4:36:52 PM |
| five-star-note | $25.00 | $25.00 | 10/20/2009 4:42:58 PM |
| BoughtTheFarm | $25.00 | $25.00 | 10/20/2009 4:46:36 PM |
| caseattle | $25.00 | $25.00 | 10/20/2009 5:18:25 PM |
| twjh | $25.00 | $25.00 | 10/20/2009 6:44:42 PM |
| PrinceValium | $25.00 | $25.00 | 10/20/2009 6:25:43 PM |
| shortblondemark | $25.00 | $25.00 | 10/20/2009 6:38:26 PM |
| minista | $25.00 | $25.00 | 10/20/2009 6:38:35 PM |
| IPG1 | $25.00 | $25.00 | 10/21/2009 5:38:36 AM |
| wwwUniversal | $25.00 | $25.00 | 10/21/2009 6:23:03 AM |
| mosby | $50.00 | $50.00 | 10/21/2009 6:22:55 AM |
| Bank_Of_XL | $100.00 | $100.00 | 10/21/2009 6:22:50 AM |
| Westb | $50.00 | $50.00 | 10/21/2009 8:14:38 AM |
| Aristophil | $100.00 | $100.00 | 10/21/2009 10:05:08 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/21/2009 12:35:46 PM |
| the-supreme-listing | $25.00 | $25.00 | 10/21/2009 2:46:15 PM |
| a-reasonable-return | $50.00 | $50.00 | 10/21/2009 2:48:57 PM |
| Bigsaver | $25.00 | $25.00 | 10/21/2009 4:31:04 PM |
| icon7 | $50.00 | $50.00 | 10/21/2009 8:17:40 PM |
| 50 bids
|