Sales Report:Supplement No. 84 dated Nov 23, 2009 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 259904
This series of Notes was issued and sold upon the funding of the borrower loan #39567, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 33.39% Final monthly payment: $129.00
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 19.76%  
Lender servicing fee: 1.00% Estimated return: 10.24%  
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: 5 First credit line: Oct-1977 Debt/Income ratio: 36%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 23Length of status:9y 6m
Amount delinquent: $0 Revolving credit balance: $8,614 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 22%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 9    
Screen name: danke Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 33 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
600-619 (Nov-2007)
600-619 (Jan-2007)
 
Principal balance: $579.13 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
second prosper loan
Hello, I am trying to get my second Prosper loan. I need the funds for major dental work. I have been with the same company for 9 and I/2 years and my pay is on direct deposit. Also I only have 3 payments left on my first Prosper loan.?I currently have no problems making payments. Thanks
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: what's your net monthly income, please, and see my page. thank you - Tono
A: My net pay is 2500.00 monthly (Nov-16-2009)
Q: What are you monthly expenses? - MoneyMover
A: My monthly expenses are $300.00 credit cards, 204.00 current prosper loan with 3 payments remaining. $100.00 for gas each month. $200.00 for monthly entertainment. I also pay $ 470.00 in rent each month. (Nov-16-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Aberdeen$100.00$100.0011/11/2009 3:22:29 PM
impala6464$100.00$100.0011/12/2009 8:36:31 PM
MPdeez$42.89$42.8911/14/2009 2:21:50 PM
TakeCare$50.00$50.0011/14/2009 7:35:47 PM
wattboy$60.94$60.9411/14/2009 11:03:19 AM
Stingray8a$25.00$25.0011/14/2009 10:32:48 PM
Kash2010lu$25.00$25.0011/15/2009 5:41:56 PM
a275ranger$50.00$50.0011/15/2009 10:14:09 PM
Rip128$100.00$100.0011/16/2009 8:57:33 AM
carrinel$50.00$50.0011/16/2009 9:24:03 AM
mdaallen$25.00$25.0011/16/2009 10:10:58 AM
Astyanax$25.00$25.0011/16/2009 11:30:34 AM
ALANGREANSPAN$50.00$50.0011/16/2009 1:16:00 PM
diversification-pilot$25.00$25.0011/16/2009 3:28:34 PM
gold-cluster$100.00$100.0011/16/2009 3:33:32 PM
quest0$25.00$25.0011/16/2009 3:35:00 PM
auction-mastery$25.00$25.0011/16/2009 3:30:09 PM
deepblue34$30.00$30.0011/16/2009 3:33:40 PM
mkvance$25.00$25.0011/16/2009 4:08:45 PM
sharp-credit$50.00$50.0011/16/2009 3:52:05 PM
eboomer2611$25.00$25.0011/16/2009 12:29:22 PM
beemersdad$35.00$26.3511/16/2009 1:06:59 PM
LAKETIME$25.00$25.0011/16/2009 2:10:43 PM
nurat$25.00$25.0011/16/2009 2:53:58 PM
reflective-rupee$25.00$25.0011/16/2009 3:31:08 PM
Peterman$25.00$25.0011/16/2009 3:50:39 PM
lender12345$25.00$25.0011/12/2009 10:55:39 AM
TakeCare$50.00$50.0011/13/2009 9:31:41 PM
Elevate2012$25.00$25.0011/13/2009 9:41:11 PM
Unitas4302$300.00$300.0011/13/2009 6:00:53 PM
danza$50.00$50.0011/14/2009 9:33:20 AM
five-star-note$35.00$35.0011/14/2009 2:38:56 PM
jsnryn$25.00$25.0011/14/2009 1:13:49 PM
RiverRunnethOver$25.00$25.0011/15/2009 7:46:44 AM
EEasyMoney$25.00$25.0011/15/2009 12:23:09 PM
fireferd$200.00$200.0011/15/2009 2:06:26 PM
BBL$25.00$25.0011/15/2009 6:13:28 AM
nyran20$25.00$25.0011/15/2009 4:05:04 PM
Montiesholdings$50.00$50.0011/15/2009 9:12:21 AM
cloud546$25.00$25.0011/15/2009 8:06:52 PM
rospa$50.00$50.0011/15/2009 9:41:18 PM
Moe87$35.00$35.0011/15/2009 10:05:40 PM
sorace$25.00$25.0011/16/2009 5:05:11 AM
portfolio-turbine$25.00$25.0011/16/2009 5:22:15 AM
BAEVentures$25.00$25.0011/16/2009 5:29:34 AM
heto2005$26.04$26.0411/16/2009 3:47:01 AM
visionary-deal3$79.64$79.6411/15/2009 5:09:03 PM
3cinvesting$27.94$27.9411/16/2009 8:33:19 AM
Bekim$26.20$26.2011/15/2009 6:49:31 PM
onecooldrink$25.00$25.0011/15/2009 11:00:39 PM
GreenSolutionsOffshoreHoldings$25.00$25.0011/16/2009 10:50:43 AM
niq4soccer$25.00$25.0011/16/2009 7:16:25 AM
Bobusa$25.00$25.0011/16/2009 12:19:44 PM
bobnewt$50.00$50.0011/16/2009 1:15:15 PM
MoneyForNothing$25.00$25.0011/16/2009 2:53:17 PM
agreement-animal$25.00$25.0011/16/2009 3:41:05 PM
marybennet$25.00$25.0011/16/2009 3:51:08 PM
Rip128$100.00$100.0011/16/2009 3:56:57 PM
sharp-credit$50.00$50.0011/16/2009 3:53:00 PM
Astyanax$25.00$25.0011/16/2009 11:30:17 AM
lendme2$50.00$50.0011/16/2009 12:10:37 PM
Tono$25.00$25.0011/16/2009 12:42:16 PM
Happyhourcomics$25.00$25.0011/16/2009 12:55:34 PM
Rip128$100.00$100.0011/16/2009 1:21:36 PM
JJ-Loans$35.00$35.0011/16/2009 1:45:22 PM
dorypro$25.00$25.0011/16/2009 3:53:36 PM
66 bids
 
Borrower Payment Dependent Notes Series 296218
This series of Notes was issued and sold upon the funding of the borrower loan #39591, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $14,950.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 11.24% Starting borrower rate/APR: 12.24% / 14.37% Starting monthly payment: $498.27
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $492.28
 
Auction yield range: 4.29% - 11.24% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Jan-1998 Debt/Income ratio: 30%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $15,919 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: jessross Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 760-779 (Latest)
Principal borrowed: $9,825.00< mo. late: 0 ( 0% )  
700-719 (Aug-2007)
 
Principal balance: $3,350.94 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Pay Off High Interest Credit Cards
Purpose of loan:
I will be using this loan to consolidate my higher interest rate balances into one steady monthly payment, enabling me to pay off these debts within 36 months.? With the current volatility of the credit card companies and their interest rates, I would prefer to obtain a fixed rate here at Prosper.

My financial situation:
I have a secure position with excellent pay at a reputable Silicon Valley company.? I just received an $11,000 raise.? I am also currently taking training and certification exams to receive another promotion and pay raise next year.? I make all my credit card payments on time.? I currently have a Prosper loan that will be paid off in 2010.? My payments for this loan have also always been on time.

This loan will be used to consolidate credit cards with interest rates ranging from 19.99% to 29.99%.? The payments to these cards currently total $504.? Depending on the final interest rate, this loan will lower my monthly payment.? More importantly though, it will provide a fixed interest rate and definite end date for paying off.

Monthly net income: $ 4,700

Monthly expenses: $ 3,307
??Housing: $ 1,530
??Car expenses: $ 95
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 175
??Household expenses $ 100
??Credit cards and other loans: $ 867
??Daycare: $ 440

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
laredotornado$25.00$25.0011/9/2009 4:09:43 PM
ThomasCrown$30.00$30.0011/9/2009 4:09:51 PM
wiltonbound$25.00$25.0011/9/2009 4:10:42 PM
truth-futurist$25.00$25.0011/9/2009 4:09:58 PM
VBAces$50.00$50.0011/9/2009 4:11:31 PM
bonanza1973$25.00$25.0011/9/2009 4:10:38 PM
kenji4861$50.00$50.0011/9/2009 4:11:37 PM
financial-frenzy$50.00$50.0011/9/2009 4:10:54 PM
money2k$25.00$25.0011/9/2009 4:11:12 PM
wings2fly$25.00$25.0011/9/2009 4:11:16 PM
AF-Chief$35.00$35.0011/9/2009 4:12:14 PM
abidos$25.00$25.0011/9/2009 4:12:26 PM
BlindProphet$25.00$25.0011/9/2009 4:13:08 PM
gracej$25.00$25.0011/9/2009 4:13:20 PM
goofy15975$25.00$25.0011/9/2009 4:14:00 PM
elegant-bonus$25.00$25.0011/9/2009 4:14:39 PM
trident9$50.00$50.0011/9/2009 4:14:58 PM
dionysus03$25.00$25.0011/9/2009 4:14:47 PM
mikeandcat$50.00$50.0011/9/2009 4:15:52 PM
funds-shaker8$25.00$25.0011/9/2009 4:17:16 PM
enthusiastic-balance5$100.00$100.0011/9/2009 4:17:23 PM
neenerman$25.00$25.0011/9/2009 4:17:43 PM
RJN$25.00$25.0011/9/2009 4:18:56 PM
compoundinterest$50.00$50.0011/9/2009 4:19:05 PM
investment-builder0$50.00$50.0011/9/2009 4:19:26 PM
payout-point$100.00$100.0011/9/2009 4:19:14 PM
DadWarbucks$25.00$25.0011/9/2009 4:19:38 PM
flwah$50.00$50.0011/9/2009 4:19:42 PM
julijask$25.00$25.0011/9/2009 4:19:53 PM
rjleves$25.00$25.0011/9/2009 4:20:56 PM
NATIVEBORN$50.00$50.0011/9/2009 4:21:18 PM
vengy$25.00$25.0011/9/2009 4:22:25 PM
VentureExplorer$25.00$25.0011/9/2009 4:10:08 PM
exact-justice$25.00$25.0011/9/2009 4:10:17 PM
benefit-squirrel$30.00$30.0011/9/2009 4:10:22 PM
andyb9$25.00$25.0011/9/2009 4:10:28 PM
wrighco$25.00$25.0011/9/2009 4:10:48 PM
GElender$50.00$50.0011/9/2009 4:11:21 PM
350DGRZ$25.00$25.0011/9/2009 4:28:57 PM
personal-lender$25.00$25.0011/9/2009 4:12:34 PM
market-solstice2$25.00$25.0011/9/2009 4:29:26 PM
cash-boots$25.00$25.0011/9/2009 4:30:48 PM
anton$50.00$50.0011/9/2009 4:18:00 PM
gizzywump$25.00$25.0011/9/2009 4:33:19 PM
zoomdrm57$50.00$50.0011/9/2009 4:34:12 PM
888168$50.00$50.0011/9/2009 4:21:19 PM
cowboyskier$50.00$50.0011/9/2009 4:34:35 PM
bold-enthralling-yield$25.00$25.0011/9/2009 4:35:33 PM
greenwell$50.00$50.0011/9/2009 4:36:35 PM
szetheli$50.00$50.0011/9/2009 4:36:53 PM
Banker7371$25.00$25.0011/9/2009 4:37:48 PM
CallMeBen$25.00$25.0011/9/2009 4:38:20 PM
degster$25.00$25.0011/9/2009 4:38:31 PM
FlexFunding$100.00$100.0011/9/2009 4:38:43 PM
Cai8899$50.00$50.0011/9/2009 4:38:46 PM
turbine5$40.00$40.0011/9/2009 4:38:58 PM
BoutYeBank$25.00$25.0011/9/2009 4:39:16 PM
testobsessed$33.51$33.5111/9/2009 4:39:23 PM
dumbass$25.00$25.0011/9/2009 4:40:37 PM
superchicken$25.00$25.0011/9/2009 4:40:39 PM
GatorBait$50.00$50.0011/9/2009 4:40:17 PM
efficient-bid2$25.00$25.0011/9/2009 4:29:07 PM
Gibbyland$100.00$100.0011/9/2009 4:40:45 PM
Trigirl23$25.00$25.0011/9/2009 4:40:47 PM
ekn_enterprises$25.00$25.0011/9/2009 4:29:37 PM
GenerousGentleMan$50.00$50.0011/9/2009 4:42:06 PM
lucrative-worth$25.00$25.0011/9/2009 4:32:17 PM
TrustPlus$50.00$50.0011/9/2009 4:33:41 PM
worthy-truth$25.00$25.0011/9/2009 4:35:47 PM
KiwiElf$30.00$30.0011/9/2009 4:37:18 PM
larrybird$95.00$95.0011/9/2009 4:39:00 PM
gold-tsunami$25.00$25.0011/9/2009 4:39:15 PM
understanding-marketplace$25.00$25.0011/9/2009 4:39:26 PM
BayShell$40.00$40.0011/9/2009 4:39:58 PM
bigrpf5$25.00$25.0011/9/2009 4:40:33 PM
pawsitive$25.00$25.0011/9/2009 4:40:41 PM
Aberdeen$100.00$100.0011/9/2009 5:26:09 PM
orbiter614$50.00$50.0011/9/2009 5:34:51 PM
The-Lighthouse-Group$25.00$25.0011/10/2009 6:10:52 AM
jybank$25.00$25.0011/9/2009 5:48:11 PM
chuck05$25.00$25.0011/10/2009 9:41:43 AM
hellasow$30.00$30.0011/10/2009 5:30:48 AM
chrisb1414$25.00$25.0011/10/2009 5:57:14 AM
Cherrypicker$50.00$50.0011/10/2009 3:17:00 PM
justin323$25.00$25.0011/10/2009 5:20:26 PM
festivecpl$25.00$25.0011/10/2009 7:24:22 PM
worth-matador$25.00$25.0011/11/2009 4:36:44 AM
NorthlandAlchemist$26.88$26.8811/11/2009 2:20:29 AM
jpollar$25.00$25.0011/11/2009 12:51:34 PM
ProudDad$50.00$50.0011/11/2009 1:19:14 PM
five-star-justice$36.00$36.0011/11/2009 6:53:30 AM
economy-popcorn$25.00$25.0011/11/2009 1:35:21 PM
joecar1111$70.00$70.0011/11/2009 8:59:03 AM
interest-friendship$50.00$50.0011/11/2009 4:12:50 PM
building_community$125.00$125.0011/11/2009 4:37:23 PM
lender12345$25.00$25.0011/12/2009 10:55:52 AM
Feyenoord$25.00$25.0011/12/2009 4:30:36 PM
yogi1975$25.00$25.0011/12/2009 6:17:13 PM
steady-peace8$150.00$150.0011/12/2009 4:49:20 PM
forthright-durability$25.00$25.0011/12/2009 9:36:26 PM
caseattle$25.00$25.0011/13/2009 10:32:36 AM
G-Love$200.00$200.0011/13/2009 7:40:55 AM
dtheo$26.27$26.2711/13/2009 2:20:24 PM
shasta1$75.00$75.0011/13/2009 4:21:36 PM
OoM$25.00$25.0011/13/2009 1:31:29 PM
rakey$25.00$25.0011/13/2009 4:29:32 PM
ManhattanLender$25.00$25.0011/13/2009 4:39:32 PM
Johnab$50.00$50.0011/13/2009 5:49:47 PM
lnrn$25.00$25.0011/13/2009 5:28:16 PM
ekmendenhall$100.00$100.0011/13/2009 7:50:34 PM
clemclan$28.49$28.4911/13/2009 8:12:39 PM
bxdoc$225.00$225.0011/14/2009 7:46:16 AM
JoeXB$25.00$25.0011/14/2009 7:47:24 AM
visionary-deal3$100.00$100.0011/14/2009 10:50:39 AM
BaxterSandy$75.81$75.8111/14/2009 2:12:43 PM
REITRUST$25.00$25.0011/14/2009 12:34:10 AM
buckyhead2000$25.00$25.0011/14/2009 7:23:23 PM
medkoder$25.00$25.0011/14/2009 7:49:54 AM
truth-smasher$25.00$25.0011/14/2009 5:38:46 PM
lendme2$100.00$100.0011/14/2009 12:00:55 PM
olwagner$110.00$110.0011/15/2009 6:28:22 AM
gpsgreg$30.00$30.0011/15/2009 7:36:47 AM
spiff666$25.00$25.0011/15/2009 7:54:28 AM
TakeCare$200.00$200.0011/14/2009 3:07:40 PM
RainMakers$25.00$25.0011/15/2009 9:08:50 AM
Montiesholdings$25.00$25.0011/15/2009 9:16:13 AM
Discinc$456.74$456.7411/15/2009 11:03:09 AM
JTHarris$100.00$100.0011/15/2009 12:52:47 PM
fireferd$50.00$50.0011/15/2009 2:07:43 PM
Queueball1$50.00$50.0011/15/2009 4:52:23 AM
thewinerackcompany$38.44$38.4411/15/2009 7:55:48 AM
MarkDown$25.00$25.0011/15/2009 8:36:31 AM
fatson43$25.00$25.0011/15/2009 5:22:52 PM
gpuck$25.00$25.0011/15/2009 6:08:32 PM
SteadyOne$25.00$25.0011/15/2009 1:06:57 PM
jhsrenne$95.00$95.0011/15/2009 9:28:57 PM
HenryK7$50.00$50.0011/15/2009 9:58:35 PM
a275ranger$100.00$100.0011/15/2009 10:25:43 PM
plouie$26.94$26.9411/16/2009 4:20:47 AM
Bizern$26.78$26.7811/16/2009 7:11:31 AM
booie$25.00$25.0011/16/2009 9:20:22 AM
wwwUniversal$25.00$25.0011/15/2009 6:46:26 PM
NaperLender$50.00$50.0011/15/2009 7:17:57 PM
market-sanctuary9$25.00$25.0011/15/2009 9:21:18 PM
GWV2$50.00$50.0011/15/2009 9:32:18 PM
cu2maro$50.00$50.0011/16/2009 10:49:11 AM
mcabery$150.00$150.0011/16/2009 5:22:30 AM
msu04303$25.00$25.0011/16/2009 12:16:00 PM
MyAdvantage$25.00$25.0011/16/2009 12:22:27 PM
ScottFinance$25.00$25.0011/16/2009 8:44:09 AM
jimduism$100.00$100.0011/16/2009 1:15:08 PM
Dskillz$45.00$45.0011/16/2009 2:03:27 PM
JJ-Loans$35.00$35.0011/16/2009 1:46:11 PM
velocity-winner$25.00$25.0011/16/2009 2:17:02 PM
catalyst6$50.00$50.0011/16/2009 2:28:20 PM
MoneyForNothing$25.00$25.0011/16/2009 3:01:23 PM
exciting-fairness$150.00$150.0011/16/2009 3:30:43 PM
Eman7729$50.00$50.0011/16/2009 11:05:04 AM
bnordman$100.00$100.0011/16/2009 12:07:28 PM
truth-smasher$100.00$100.0011/16/2009 12:55:59 PM
unrhrsd$25.00$25.0011/16/2009 2:35:47 PM
icon7$50.00$50.0011/16/2009 3:22:54 PM
dhallii$39.00$39.0011/16/2009 3:40:52 PM
dorypro$25.00$25.0011/16/2009 3:54:19 PM
Minotaur$25.00$25.0011/16/2009 4:07:26 PM
LendGuy$25.00$25.0011/9/2009 4:10:25 PM
agwosdof$50.00$50.0011/9/2009 4:10:47 PM
bigwig633$25.00$25.0011/9/2009 4:11:05 PM
Dutchhunter$25.00$25.0011/9/2009 4:10:03 PM
gold-disk$50.00$50.0011/9/2009 4:10:51 PM
hitsman$50.00$50.0011/9/2009 4:11:02 PM
kanakakm$50.00$50.0011/9/2009 4:12:08 PM
a-responsible-return$25.00$25.0011/9/2009 4:12:17 PM
bchen78875$50.00$50.0011/9/2009 4:12:54 PM
Walkingcowboy$25.00$25.0011/9/2009 4:13:56 PM
CULPEPPERGROUP$25.00$25.0011/9/2009 4:15:18 PM
justice-dna$35.00$35.0011/9/2009 4:15:33 PM
Citytrustbankerguy$25.00$25.0011/9/2009 4:15:40 PM
deal-pioneer1$25.00$25.0011/9/2009 4:15:45 PM
Fortuno_per_commodo$25.00$25.0011/9/2009 4:16:00 PM
Tavita$25.00$25.0011/9/2009 4:16:13 PM
Jassi$25.00$25.0011/9/2009 4:16:25 PM
greenbackologist$25.00$25.0011/9/2009 4:17:01 PM
shrewd-deal$25.00$25.0011/9/2009 4:17:09 PM
thedoctor$25.00$25.0011/9/2009 4:17:29 PM
MGOT-Ken$25.00$25.0011/9/2009 4:18:14 PM
MrDavid$50.00$50.0011/9/2009 4:18:37 PM
credit-coach118$35.00$35.0011/9/2009 4:18:40 PM
Artist_Blue$25.00$25.0011/9/2009 4:19:27 PM
puifais$25.00$25.0011/9/2009 4:19:51 PM
MoneyU4IA$25.00$25.0011/9/2009 4:20:17 PM
Patter256$25.00$25.0011/9/2009 4:20:34 PM
sas19$25.00$25.0011/9/2009 4:20:43 PM
harperpotok$100.00$100.0011/9/2009 4:21:44 PM
tallmon$25.00$25.0011/9/2009 4:22:17 PM
cpaphoto$25.00$25.0011/9/2009 4:09:47 PM
jdrez$25.00$25.0011/9/2009 4:09:54 PM
wayman$50.00$50.0011/9/2009 4:10:11 PM
slartibardfast$25.00$25.0011/9/2009 4:10:33 PM
Approved1234$25.00$25.0011/9/2009 4:10:43 PM
lagnisiruk$25.00$25.0011/9/2009 4:10:57 PM
HeavyDriver03$25.00$25.0011/9/2009 4:11:07 PM
Attract$25.00$25.0011/9/2009 4:11:54 PM
LandoC1$25.00$25.0011/9/2009 4:29:15 PM
Weaverville$25.00$25.0011/9/2009 4:12:44 PM
roto$25.00$25.0011/9/2009 4:30:27 PM
Havana21$50.00$50.0011/9/2009 4:14:19 PM
neighborly-hope6$100.00$100.0011/9/2009 4:15:12 PM
steiglends$50.00$50.0011/9/2009 4:30:29 PM
Orca-man$38.68$38.6811/9/2009 4:15:48 PM
djh47a$40.00$40.0011/9/2009 4:16:03 PM
vkorichkov$30.00$30.0011/9/2009 4:16:23 PM
kchen486$25.00$25.0011/9/2009 4:31:44 PM
generosity-neutrino$25.00$25.0011/9/2009 4:31:53 PM
don8ter$25.00$25.0011/9/2009 4:17:53 PM
rmachi$25.00$25.0011/9/2009 4:18:24 PM
TakeCare$100.00$100.0011/9/2009 4:33:03 PM
antlr$25.00$25.0011/9/2009 4:33:27 PM
SnE$25.00$25.0011/9/2009 4:20:03 PM
ethicalhumanist$25.00$25.0011/9/2009 4:33:48 PM
kid8549$25.00$25.0011/9/2009 4:20:31 PM
hard-working-loot$25.00$25.0011/9/2009 4:34:04 PM
jd006006$50.00$50.0011/9/2009 4:34:22 PM
first-wampum-trapper$25.00$25.0011/9/2009 4:34:29 PM
loan-warrior$25.00$25.0011/9/2009 4:34:49 PM
repayment-chef$25.00$25.0011/9/2009 4:35:13 PM
syounker$25.00$25.0011/9/2009 4:22:53 PM
davidc314$50.00$50.0011/9/2009 4:23:39 PM
wise-spirited-nickel$25.00$25.0011/9/2009 4:35:54 PM
fortytwo$150.00$150.0011/9/2009 4:23:57 PM
fotep-financial$25.00$25.0011/9/2009 4:36:20 PM
Goodlender42$25.00$25.0011/9/2009 4:36:27 PM
DukSerduk$25.00$25.0011/9/2009 4:36:39 PM
bruin558$80.00$80.0011/9/2009 4:37:16 PM
platinum-sorcerer6$25.00$25.0011/9/2009 4:39:05 PM
Castellan$25.00$25.0011/9/2009 4:39:10 PM
Avala$25.00$25.0011/9/2009 4:39:21 PM
latestone$25.00$25.0011/9/2009 4:39:25 PM
thegreatone$100.00$100.0011/9/2009 4:39:37 PM
inventive-funds$25.00$25.0011/9/2009 4:39:35 PM
Lesburger$25.00$25.0011/9/2009 4:39:57 PM
tsui517$25.00$25.0011/9/2009 4:40:31 PM
iolaire$25.00$25.0011/9/2009 4:41:02 PM
sellbuy40$50.00$50.0011/9/2009 4:41:29 PM
Sixmil$25.00$25.0011/9/2009 4:41:32 PM
GOPHERBOY$30.00$30.0011/9/2009 4:30:10 PM
nv$25.00$25.0011/9/2009 4:41:57 PM
dparkhom$25.00$25.0011/9/2009 4:32:05 PM
emo13$50.00$50.0011/9/2009 4:32:29 PM
SonomaHills$25.00$25.0011/9/2009 4:32:44 PM
spin-kick$25.00$25.0011/9/2009 4:32:56 PM
miked8303$25.00$25.0011/9/2009 4:33:10 PM
Lendomatic$25.00$25.0011/9/2009 4:36:22 PM
nuclearmoose$25.00$25.0011/9/2009 4:36:47 PM
Masterful1$25.00$25.0011/9/2009 4:38:52 PM
Aethelwolf$25.00$25.0011/9/2009 4:39:12 PM
acropiloterau2002$25.00$25.0011/9/2009 4:39:18 PM
sloak$25.00$25.0011/9/2009 4:39:39 PM
SNH$50.00$50.0011/9/2009 4:40:03 PM
lloyd_s$25.00$25.0011/9/2009 4:40:30 PM
the-silver-blaster$75.00$75.0011/9/2009 4:40:42 PM
bdloans$100.00$100.0011/9/2009 4:41:18 PM
snowman34$25.00$25.0011/9/2009 4:41:38 PM
wampum-chorus3$25.00$25.0011/9/2009 4:41:54 PM
granitepk$25.00$1.8111/9/2009 4:42:12 PM
Patrician$100.00$100.0011/9/2009 4:55:39 PM
iruz$100.00$100.0011/9/2009 5:25:31 PM
authoritative-social$25.00$25.0011/9/2009 5:34:26 PM
asset-numero-uno$72.03$72.0311/9/2009 5:35:19 PM
CA_Lender$25.00$25.0011/9/2009 5:27:52 PM
shrewd-income$100.00$100.0011/9/2009 7:05:22 PM
GOPHERBOY$100.00$100.0011/10/2009 4:15:59 PM
return-beaker3$25.00$25.0011/10/2009 5:44:32 PM
maineyankee$25.00$25.0011/11/2009 8:26:19 AM
rate-hickory$25.00$25.0011/11/2009 12:36:51 PM
interest-friendship$50.00$50.0011/11/2009 4:13:05 PM
rmpedi33$150.00$150.0011/12/2009 8:38:36 AM
MoneyTree79$114.78$114.7811/12/2009 6:21:21 AM
jwstclair$36.10$36.1011/12/2009 10:34:45 AM
nalaari$50.00$50.0011/12/2009 10:55:46 AM
outofoffice$69.55$69.5511/12/2009 6:02:55 PM
3am-preacher$50.00$50.0011/12/2009 7:08:17 PM
coin-lender77$64.91$64.9111/13/2009 4:42:46 AM
Socorro_Capital_Partners$25.00$25.0011/13/2009 9:43:30 AM
TP$50.00$50.0011/13/2009 9:56:24 AM
ProLoans$25.00$25.0011/13/2009 11:09:43 AM
bizguy1982$25.00$25.0011/13/2009 6:54:14 AM
John_14_6$25.00$25.0011/13/2009 6:55:06 AM
organic-platinum$25.00$25.0011/13/2009 1:26:29 PM
elegant-bonus$100.00$100.0011/13/2009 3:05:50 PM
IceFisherman$50.00$50.0011/13/2009 4:29:19 PM
bomdel$25.00$25.0011/13/2009 4:39:50 PM
admirable-credit$25.00$25.0011/13/2009 4:50:34 PM
blindtaxidriver$25.00$25.0011/13/2009 3:13:30 PM
Uwantfunds$50.00$50.0011/13/2009 4:29:34 PM
sharp-return7$25.00$25.0011/13/2009 5:40:31 PM
justice-hawk$50.00$50.0011/13/2009 9:27:14 PM
Palacios$100.00$100.0011/13/2009 10:55:10 PM
mclean_loaner$50.00$50.0011/14/2009 8:39:57 AM
psbruce$30.00$30.0011/14/2009 7:03:04 AM
KingCroesus$25.00$25.0011/14/2009 2:33:35 PM
peace-maverick$25.00$25.0011/14/2009 1:07:04 PM
marala4285$25.00$25.0011/14/2009 6:43:44 AM
OGS_Capital$25.00$25.0011/14/2009 7:32:22 AM
tryitout$27.32$27.3211/14/2009 5:21:27 PM
StJake$86.54$86.5411/14/2009 6:00:37 PM
Coastie814$25.00$25.0011/15/2009 2:44:41 AM
kamegami$25.00$25.0011/15/2009 12:29:17 AM
Jordan1123$25.00$25.0011/15/2009 5:31:52 AM
BigSurf$35.00$35.0011/15/2009 6:17:24 AM
AlexWalex57$50.00$50.0011/15/2009 8:01:19 AM
oldman68$25.00$25.0011/15/2009 10:12:45 AM
jyalender$55.35$55.3511/15/2009 11:22:39 AM
cashasaurus0$50.00$50.0011/15/2009 2:46:56 PM
LaXavier$25.00$25.0011/15/2009 2:58:04 PM
silvercertificate$25.00$25.0011/15/2009 4:01:22 PM
dyrick20$25.00$25.0011/15/2009 7:57:13 AM
slyders87$25.00$25.0011/15/2009 4:14:25 PM
Druidsoft$50.00$50.0011/15/2009 4:50:07 PM
pjnyam$25.00$25.0011/15/2009 4:41:41 PM
charb57$25.00$25.0011/15/2009 7:06:24 PM
shneb$100.00$100.0011/15/2009 1:14:25 PM
UOweMe$50.00$50.0011/15/2009 1:35:54 PM
windpiano1962$25.00$25.0011/16/2009 4:25:13 AM
Skulljocky$50.00$50.0011/15/2009 4:02:40 PM
Richmp412$25.00$25.0011/16/2009 6:56:23 AM
buffalobills$25.00$25.0011/16/2009 8:19:51 AM
GaussianCopulator$50.00$50.0011/15/2009 7:25:29 PM
crdcteng$25.00$25.0011/16/2009 10:52:47 AM
Cambium$25.00$25.0011/16/2009 4:43:30 AM
Ven58$25.00$25.0011/16/2009 11:47:37 AM
durability-colonel$50.00$50.0011/16/2009 1:59:00 PM
Peterman$25.00$25.0011/16/2009 3:00:08 PM
bold-social-advantage$200.00$200.0011/16/2009 3:37:46 PM
Sven79$150.00$150.0011/16/2009 3:51:55 PM
evnagelist$50.00$50.0011/16/2009 3:54:30 PM
Moby$38.07$38.0711/16/2009 10:58:31 AM
Astyanax$25.00$25.0011/16/2009 12:19:38 PM
338 bids
 
Borrower Payment Dependent Notes Series 431950
This series of Notes was issued and sold upon the funding of the borrower loan #39564, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Nov-05-2009 
  Auction end date:  Nov-12-2009 
 
Starting lender yield: 15.09% Starting borrower rate/APR: 16.09% / 18.27% Starting monthly payment: $123.21
Final lender yield: 15.09% Final borrower rate/APR: 16.09% / 18.27% Final monthly payment: $123.21
 
Auction yield range: 6.29% - 15.09% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.83%  
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: 8 First credit line: Jan-1996 Debt/Income ratio: 6%
Credit score: 740-759 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:12y 7m
Amount delinquent: $0 Revolving credit balance: $5,131 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: unequaled-moola9 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
buying furniture for me and kids
Purpose of loan: I would like to puchase a bedroome set for myself and my sons

My financial situation:
I am a good candidate for this loan because? As a military family we have a solid source of income but local lenders charge high interest rates. Thank you for your time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
3am-preacher$25.00$25.0011/5/2009 4:30:28 PM
flwah$25.00$25.0011/5/2009 5:13:12 PM
investor_101$50.00$50.0011/5/2009 5:12:45 PM
the-profit-oracle$25.00$25.0011/6/2009 5:57:01 AM
bdruss$25.00$25.0011/7/2009 6:04:01 AM
dt_one$25.00$25.0011/9/2009 10:55:24 AM
ok$25.00$25.0011/10/2009 9:55:01 AM
totoro$25.00$25.0011/10/2009 10:24:13 AM
Troutfinder$30.00$30.0011/10/2009 11:38:44 AM
peaceful-trade$25.00$25.0011/10/2009 12:34:16 PM
speedy-dime$25.00$25.0011/10/2009 2:35:47 PM
preventivepestcontrol$50.00$50.0011/10/2009 10:12:43 AM
Gbrad88$100.00$100.0011/10/2009 7:45:38 PM
maineyankee$25.00$25.0011/11/2009 8:37:19 AM
caseattle$25.00$25.0011/11/2009 8:39:45 AM
revenue-serenity$25.00$25.0011/10/2009 9:15:01 PM
lildones$25.00$25.0011/10/2009 9:41:22 PM
CashBank$25.00$25.0011/11/2009 5:44:14 PM
tenacious-payout$25.00$25.0011/11/2009 6:46:57 PM
doctorgrab$25.00$25.0011/11/2009 7:27:53 PM
coin-cooker2$25.00$25.0011/11/2009 8:41:53 PM
1traveler$25.00$25.0011/11/2009 10:54:45 PM
fireferd$100.00$100.0011/12/2009 6:09:46 AM
superb-kindness2$25.00$25.0011/12/2009 6:52:00 AM
building_community$25.00$25.0011/12/2009 7:50:31 AM
dime-force$25.00$25.0011/12/2009 7:46:15 AM
Gobsek$25.00$25.0011/12/2009 8:16:24 AM
eBankInvest$50.00$50.0011/12/2009 8:07:32 AM
carrinel$150.00$150.0011/11/2009 3:38:16 PM
CROBRUN$75.00$75.0011/11/2009 5:41:25 PM
Ven58$25.00$25.0011/12/2009 1:11:47 PM
TakeCare$30.00$30.0011/12/2009 2:48:50 PM
TakeCare$30.00$30.0011/12/2009 3:24:35 PM
wwwUniversal$25.00$25.0011/12/2009 4:15:21 PM
nalaari$50.00$50.0011/12/2009 11:31:08 AM
minista$25.00$25.0011/12/2009 3:39:59 PM
mister_waffle$25.00$25.0011/5/2009 4:32:53 PM
loan_doctor$25.00$25.0011/5/2009 5:10:21 PM
Spring342$25.00$25.0011/5/2009 5:11:10 PM
Finspons$30.00$30.0011/5/2009 6:49:50 PM
felicity-daydream$25.00$25.0011/5/2009 8:02:30 PM
turbospeed$25.00$25.0011/5/2009 5:12:49 PM
blot44$25.00$25.0011/5/2009 7:18:44 PM
hellasow$25.00$25.0011/7/2009 4:55:30 AM
enticing-treasure5$25.00$25.0011/8/2009 9:14:07 AM
GOPHERBOY$100.00$100.0011/7/2009 8:18:17 PM
doc1$100.00$100.0011/8/2009 6:20:04 PM
tearingstar$50.00$50.0011/9/2009 11:01:07 AM
sparkmeister$25.00$25.0011/10/2009 12:14:18 PM
credit-coach118$25.00$25.0011/11/2009 8:35:39 AM
Debdebwildwoman$25.00$25.0011/11/2009 8:34:15 AM
bondhedger$25.00$25.0011/11/2009 11:19:40 AM
DaiUy$25.00$25.0011/11/2009 6:56:29 AM
nickel-stream$25.00$25.0011/11/2009 4:35:44 PM
well-mannered-income3$25.00$25.0011/11/2009 5:20:07 PM
southerndiva$50.00$50.0011/12/2009 7:18:53 AM
Bank_Of_XL$100.00$100.0011/12/2009 8:09:55 AM
starry2001$25.00$25.0011/11/2009 7:43:22 PM
unique-benjamins$25.00$25.0011/11/2009 7:56:59 PM
zento$25.00$25.0011/11/2009 8:23:39 PM
currency-wingding$25.00$5.3511/12/2009 8:47:31 AM
Leshan$50.00$50.0011/12/2009 8:56:17 AM
blue-pragmatic-truth$25.00$25.0011/12/2009 10:19:12 AM
Higheagle$149.65$149.6511/12/2009 12:09:31 PM
well-mannered-income3$25.00$25.0011/12/2009 12:42:29 PM
durability-colonel$50.00$50.0011/12/2009 2:51:05 PM
well-mannered-income3$25.00$25.0011/12/2009 3:11:46 PM
wild-orange$500.00$500.0011/12/2009 3:39:56 PM
wild-orange$200.00$200.0011/12/2009 3:38:49 PM
dollar-authority$100.00$100.0011/12/2009 4:14:51 PM
investment-cluster$25.00$25.0011/12/2009 1:14:33 PM
wild-orange$100.00$100.0011/12/2009 3:40:37 PM
Traal$25.00$25.0011/12/2009 3:44:38 PM
73 bids
 
Borrower Payment Dependent Notes Series 432276
This series of Notes was issued and sold upon the funding of the borrower loan #39535, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $20,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-15-2009 
 
Starting lender yield: 23.04% Starting borrower rate/APR: 24.04% / 26.33% Starting monthly payment: $785.08
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 23.25% Final monthly payment: $753.50
 
Auction yield range: 8.29% - 23.04% Estimated loss impact: 7.47%  
Lender servicing fee: 1.00% Estimated return: 12.53%  
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: Nov-1988 Debt/Income ratio: 24%
Credit score: 780-799 (Nov-2009) Current / open credit lines: 7 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $5,964 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 34%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: bill-spa Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Reducing overall debt
Purpose of loan:
This loan will be used to reduce overall debt.? We will be selling our cars and downsizing vehicles.


My financial situation:
I am a good candidate for this loan because we have taken the Dave Ramsey course and are on a stict budget.? We are learning to live within our income.
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 monthly take home pay and detailed list of current monthly expenses. - exciting-fairness
A: $4,530 - take home Rent - $650 Auto - $605 Credit Cards - $400 Land payment - $583 (Nov-09-2009)
Q: What are the debts that you are paying down and their interest rates? - Trakissta
A: We are paying down 2 vehicles (we are upside down), selling them and getting 2 cheap, used beater cars to get us by. Rates on the two loans are relatively low, but payments are high and balances are high, so we are trying to reduce that from $46,000 to $20,000 or less. (Nov-10-2009)
Q: Are you prepared to say that you will pay back this loan no matter what? - Toastmaster007
A: Yes. We can pay our current debt; we just want less of it. (Nov-11-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Citytrustbankerguy$25.00$25.0011/9/2009 4:15:34 PM
WineDrop$30.00$30.0011/9/2009 4:15:49 PM
Fortuno_per_commodo$25.00$25.0011/9/2009 4:15:56 PM
mikeandcat$50.00$50.0011/9/2009 4:15:54 PM
vkorichkov$30.00$30.0011/9/2009 4:16:20 PM
enthusiastic-balance5$100.00$100.0011/9/2009 4:17:20 PM
GatorBux$100.00$100.0011/9/2009 4:18:12 PM
888168$25.00$25.0011/9/2009 4:21:16 PM
janicewill$25.00$25.0011/9/2009 4:21:31 PM
Rogelio48$25.00$25.0011/9/2009 4:22:40 PM
KevinC_63366$25.00$25.0011/9/2009 4:23:10 PM
draggon77$25.00$25.0011/9/2009 4:22:41 PM
ChrisTJ$25.00$25.0011/9/2009 4:23:16 PM
jlr613$25.00$25.0011/9/2009 4:23:02 PM
selfmademan$25.00$25.0011/9/2009 4:23:07 PM
AceInTheHole$25.00$25.0011/9/2009 4:23:46 PM
fortytwo$150.00$150.0011/9/2009 4:24:00 PM
Phantom99$25.00$25.0011/9/2009 4:24:13 PM
efficient-principal$25.00$25.0011/9/2009 4:24:20 PM
Toastsr$25.00$25.0011/9/2009 4:24:41 PM
the-silver-blaster$36.47$36.4711/9/2009 4:24:25 PM
wise-extraordinary-loot$25.00$25.0011/9/2009 4:24:28 PM
get30inc$25.00$25.0011/9/2009 4:24:37 PM
jhouman$25.00$25.0011/9/2009 4:24:55 PM
wrighco$25.00$25.0011/9/2009 4:24:46 PM
VBAces$25.00$25.0011/9/2009 4:25:00 PM
GElender$25.00$25.0011/9/2009 4:25:05 PM
secobarbital$25.00$25.0011/9/2009 4:25:11 PM
louisianalender$100.00$100.0011/9/2009 4:25:27 PM
hope-gadget$25.00$25.0011/9/2009 4:25:49 PM
value-pole$25.00$25.0011/9/2009 4:26:12 PM
fcb202$25.00$25.0011/9/2009 4:26:06 PM
fareast_man$25.00$25.0011/9/2009 4:26:22 PM
benevolent-bonus$25.00$25.0011/9/2009 4:26:49 PM
elegant-bonus$25.00$25.0011/9/2009 4:27:42 PM
anton$25.00$25.0011/9/2009 4:28:18 PM
MissionMicroFinance$25.00$25.0011/9/2009 4:27:57 PM
Dubbs360$50.00$50.0011/9/2009 4:28:06 PM
ben10jen$25.00$25.0011/9/2009 4:25:40 PM
special-peso$50.00$50.0011/9/2009 4:26:16 PM
Cash_Angel$25.00$25.0011/9/2009 4:26:43 PM
greenwell$25.00$25.0011/9/2009 4:26:58 PM
WalnutCreekguy$25.00$25.0011/9/2009 4:27:08 PM
626457$25.00$25.0011/9/2009 4:27:15 PM
justice-dna$25.00$25.0011/9/2009 4:27:46 PM
SNH$50.00$50.0011/9/2009 4:28:10 PM
loan-master996$50.00$50.0011/9/2009 4:28:33 PM
LandoC1$25.00$25.0011/9/2009 4:29:13 PM
iolaire$25.00$25.0011/9/2009 4:40:59 PM
aasx1108$25.00$25.0011/9/2009 4:41:47 PM
granitepk$25.00$25.0011/9/2009 4:42:57 PM
halothane_logic$25.00$25.0011/9/2009 4:43:20 PM
ElAbel11$25.00$25.0011/9/2009 4:44:18 PM
LongTail$25.00$25.0011/9/2009 4:44:40 PM
heroic-benefit$25.00$25.0011/9/2009 4:44:54 PM
treasure-bliss$50.00$50.0011/9/2009 4:45:14 PM
Havana21$50.00$50.0011/9/2009 4:45:29 PM
shiny-dollar9$25.00$25.0011/9/2009 4:45:34 PM
NoMoreDebt4Me$50.00$50.0011/9/2009 4:45:41 PM
spitzbergen$25.00$25.0011/9/2009 4:45:50 PM
CarDealer3070$30.00$30.0011/9/2009 4:45:55 PM
puifais$25.00$25.0011/9/2009 4:46:08 PM
gizzywump$25.00$25.0011/9/2009 4:46:13 PM
unclejaef$25.00$25.0011/9/2009 4:45:59 PM
wise-cash-keeper$25.00$25.0011/9/2009 4:46:36 PM
DeathScythe676$25.00$25.0011/9/2009 4:47:39 PM
three-for-6$50.00$50.0011/9/2009 4:49:45 PM
gss_000$25.00$25.0011/9/2009 4:50:57 PM
twirl2$25.00$25.0011/9/2009 4:51:34 PM
nowits10$25.00$25.0011/9/2009 4:51:59 PM
income-rocker2$250.00$250.0011/9/2009 4:54:12 PM
Ananya$25.00$25.0011/9/2009 4:54:16 PM
bdloans$100.00$100.0011/9/2009 4:41:16 PM
E_G$30.00$30.0011/9/2009 4:55:04 PM
determined-balance$25.00$25.0011/9/2009 4:56:00 PM
burgeoning-silver$25.00$25.0011/9/2009 4:56:15 PM
HarrisonHome$25.00$25.0011/9/2009 4:58:18 PM
social-gatherer7$25.00$25.0011/9/2009 4:44:08 PM
gaditano$25.00$25.0011/9/2009 4:58:06 PM
nick5454$25.00$25.0011/9/2009 4:44:25 PM
imlosttoo$25.00$25.0011/9/2009 5:08:56 PM
Turkish101$25.00$25.0011/9/2009 5:09:19 PM
dinero-mason$50.00$50.0011/9/2009 4:44:50 PM
iinsuru$25.00$25.0011/9/2009 5:08:22 PM
leftcoast52$25.00$25.0011/9/2009 5:09:44 PM
dedicated-diversification5$65.00$65.0011/9/2009 4:45:07 PM
treasure-transporter$25.00$25.0011/9/2009 4:45:10 PM
lagnisiruk$25.00$25.0011/9/2009 4:45:39 PM
rmachi$25.00$25.0011/9/2009 4:46:16 PM
RSV$25.00$25.0011/9/2009 5:09:41 PM
tremendous-payment$25.00$25.0011/9/2009 5:11:36 PM
mathprof$25.00$25.0011/9/2009 4:47:26 PM
CAGE-Investments$25.00$25.0011/9/2009 5:11:44 PM
relaxation4$25.00$25.0011/9/2009 5:12:18 PM
fostaman$25.00$25.0011/9/2009 5:12:20 PM
kegs$25.00$25.0011/9/2009 5:12:34 PM
likeable-value$25.00$25.0011/9/2009 5:13:21 PM
mizon291$25.00$25.0011/9/2009 4:50:25 PM
yarg$25.00$25.0011/9/2009 5:14:42 PM
i3urtonair$25.00$25.0011/9/2009 5:14:45 PM
ouyangers$25.00$25.0011/9/2009 5:14:49 PM
mdf$50.00$50.0011/9/2009 5:14:53 PM
impressive-loan$35.24$35.2411/9/2009 5:15:30 PM
TandyJames$25.00$25.0011/9/2009 5:15:48 PM
leodaguy$25.00$25.0011/9/2009 4:51:39 PM
Aries1978$25.00$25.0011/9/2009 5:17:11 PM
transparency-giant$25.00$25.0011/9/2009 5:18:30 PM
njlom$25.00$25.0011/9/2009 5:19:10 PM
ZTA0796$25.00$25.0011/9/2009 5:19:15 PM
SkepticalBen$25.00$25.0011/9/2009 5:19:17 PM
biobulator$25.00$25.0011/9/2009 5:19:39 PM
Josta$50.00$50.0011/9/2009 5:20:23 PM
keeks$25.00$25.0011/9/2009 5:20:29 PM
Aquani$50.00$50.0011/9/2009 5:20:43 PM
cash-tsunami$25.00$25.0011/9/2009 4:55:54 PM
redbomb5$25.00$25.0011/9/2009 5:21:03 PM
wildguy$25.00$25.0011/9/2009 5:22:06 PM
brother_tam$50.00$50.0011/9/2009 5:22:13 PM
Fuzkaska__F_u_n_d_s$25.00$25.0011/9/2009 5:23:05 PM
rosario1$25.00$25.0011/9/2009 5:23:11 PM
2ravens$25.00$25.0011/9/2009 5:08:35 PM
deal-pinnacle7$25.00$25.0011/9/2009 5:26:17 PM
the-money-gargantuan$25.00$25.0011/9/2009 5:09:27 PM
upsata$25.00$25.0011/9/2009 5:26:29 PM
NATIVEBORN$25.00$25.0011/9/2009 5:27:05 PM
jazz619$25.00$25.0011/9/2009 5:26:16 PM
marcomnzs$37.10$37.1011/9/2009 5:10:02 PM
kid8549$25.00$25.0011/9/2009 5:26:32 PM
educationfirst$25.00$25.0011/9/2009 5:27:18 PM
galtsgulch$25.00$25.0011/9/2009 5:27:27 PM
Slowtype$25.00$25.0011/9/2009 5:26:42 PM
ethicalhumanist$25.00$25.0011/9/2009 5:26:47 PM
HH123$25.00$25.0011/9/2009 5:27:13 PM
cyberie21$40.00$40.0011/9/2009 5:27:33 PM
Frenchynh$25.00$25.0011/9/2009 5:29:22 PM
valiant-p2p$25.00$25.0011/9/2009 5:29:46 PM
iruz$50.00$50.0011/9/2009 5:29:58 PM
kanakakm$25.00$25.0011/9/2009 5:30:05 PM
a-responsible-return$25.00$25.0011/9/2009 5:30:08 PM
currency-cigar4$25.00$25.0011/9/2009 5:29:21 PM
museic1$50.00$50.0011/9/2009 5:30:38 PM
Clambake$50.00$50.0011/9/2009 5:30:43 PM
herman7$25.00$25.0011/9/2009 5:13:22 PM
revenue-kazoo$25.00$25.0011/9/2009 5:30:51 PM
point-shooter$25.00$25.0011/9/2009 5:29:42 PM
swoosh$25.00$25.0011/9/2009 5:30:55 PM
chicco$80.00$80.0011/9/2009 5:31:19 PM
kulender$25.00$25.0011/9/2009 5:30:17 PM
fuzed$44.50$44.5011/9/2009 5:31:43 PM
dimitrip1024$25.00$25.0011/9/2009 5:14:52 PM
trapper569$25.00$25.0011/9/2009 5:30:57 PM
blue_skies_ahead$25.00$25.0011/9/2009 5:15:27 PM
thrifty-return$30.00$30.0011/9/2009 5:15:32 PM
JohnW12$25.00$25.0011/9/2009 5:31:06 PM
jeg3k$25.00$25.0011/9/2009 5:31:21 PM
desertoasis$25.00$25.0011/9/2009 5:15:49 PM
reflective-rupee$25.00$25.0011/9/2009 5:33:07 PM
Weaverville$25.00$25.0011/9/2009 5:18:54 PM
ThomasCrown$30.00$30.0011/9/2009 5:35:39 PM
VentureExplorer$25.00$25.0011/9/2009 5:35:47 PM
bonanza1973$25.00$25.0011/9/2009 5:36:07 PM
brazilofmux$100.00$100.0011/9/2009 5:20:16 PM
laredotornado$25.00$25.0011/9/2009 5:35:33 PM
CPAMAN$25.00$25.0011/9/2009 5:20:32 PM
wayman$50.00$50.0011/9/2009 5:35:50 PM
Syzygy$25.00$25.0011/9/2009 5:20:39 PM
Approved1234$25.00$25.0011/9/2009 5:36:10 PM
gold-disk$50.00$50.0011/9/2009 5:36:14 PM
money2k$25.00$25.0011/9/2009 5:36:23 PM
MuchoMoneyMike$25.00$25.0011/9/2009 5:38:47 PM
YoungSuccessLLC$25.00$25.0011/9/2009 5:39:05 PM
value-microscope$25.00$25.0011/9/2009 5:38:23 PM
wise-spirited-nickel$50.00$50.0011/9/2009 5:22:48 PM
cash-tiramisu$82.67$82.6711/9/2009 5:22:59 PM
enlightenment5$25.00$25.0011/9/2009 5:23:24 PM
zeelender$25.00$25.0011/9/2009 5:47:48 PM
five-star-justice$36.00$36.0011/9/2009 5:24:23 PM
srfb973$35.00$35.0011/9/2009 5:48:38 PM
MakoF16$50.00$50.0011/9/2009 5:49:34 PM
Cubsfan07$25.00$25.0011/9/2009 5:49:52 PM
takabanana$25.00$25.0011/9/2009 5:57:18 PM
Cutts$25.00$25.0011/9/2009 5:57:50 PM
Auburnmist$25.00$25.0011/9/2009 5:26:13 PM
Bankman68$25.00$25.0011/9/2009 5:26:31 PM
thumper64$30.00$30.0011/9/2009 5:26:54 PM
bnlforever$25.00$25.0011/9/2009 5:27:15 PM
currency-trophy$25.00$25.0011/9/2009 6:29:35 PM
MGMNT$25.00$25.0011/9/2009 6:13:39 PM
Eagledrop$25.00$25.0011/9/2009 5:27:49 PM
MrDavid$25.00$25.0011/9/2009 5:28:11 PM
Aimvest$25.00$25.0011/9/2009 5:29:00 PM
power-flow6$25.00$25.0011/9/2009 5:29:05 PM
LEWK25$25.00$25.0011/9/2009 5:29:39 PM
jibe-set$50.00$50.0011/9/2009 7:01:33 PM
active-reward7$25.00$25.0011/9/2009 5:30:01 PM
rolandweary$40.00$40.0011/9/2009 5:30:36 PM
Sam65$25.00$25.0011/9/2009 5:31:23 PM
Blue_HorseShoe$25.00$25.0011/9/2009 7:46:25 PM
socialbanker$25.00$25.0011/9/2009 5:31:26 PM
xstreamin$25.00$25.0011/9/2009 5:31:38 PM
Hola_James$25.00$25.0011/9/2009 8:18:32 PM
reflective-rupee$50.00$50.0011/9/2009 5:33:42 PM
dinks95$500.00$500.0011/9/2009 10:25:57 PM
golden-yield$25.00$25.0011/9/2009 10:36:42 PM
cpaphoto$25.00$25.0011/9/2009 5:35:36 PM
benefit-squirrel$30.00$30.0011/9/2009 5:35:57 PM
agwosdof$50.00$50.0011/9/2009 5:36:12 PM
hitsman$50.00$50.0011/9/2009 5:36:23 PM
blooming-dedication$25.00$25.0011/10/2009 1:41:28 AM
ualf$27.66$27.6611/10/2009 2:06:42 AM
Westerly$47.21$47.2111/10/2009 2:06:45 AM
mindful-exchange$25.00$25.0011/10/2009 2:53:56 AM
CaboWaboRobo$25.00$25.0011/10/2009 5:11:44 AM
PHI4308$25.00$25.0011/9/2009 5:49:36 PM
photon8$25.00$25.0011/9/2009 5:50:01 PM
blackstar$25.00$25.0011/10/2009 7:48:07 AM
dinero-philosopher3$25.00$25.0011/10/2009 7:16:52 AM
star7705$25.00$25.0011/9/2009 6:26:49 PM
Headhunter14$25.00$25.0011/10/2009 8:26:21 AM
lend2end$25.00$25.0011/10/2009 8:27:22 AM
GracieLuLu04$25.00$25.0011/10/2009 9:13:03 AM
Vess$25.00$25.0011/10/2009 9:36:36 AM
Onesiphorus$25.00$25.0011/10/2009 9:37:12 AM
JABEZ-OPERATIONS$25.00$25.0011/9/2009 7:26:45 PM
titaniumtommy$25.00$25.0011/10/2009 10:16:40 AM
ScottW$25.00$25.0011/9/2009 9:36:23 PM
MyKidsDad$25.00$25.0011/10/2009 10:35:14 AM
thedreamer$25.00$25.0011/10/2009 10:33:17 AM
unitedins$25.00$25.0011/9/2009 9:51:36 PM
JanLal$25.00$25.0011/10/2009 10:42:54 AM
RJTintheBK$25.00$25.0011/10/2009 10:42:58 AM
LendGuy$25.00$25.0011/10/2009 10:36:13 AM
skibum65$27.18$27.1811/10/2009 10:41:37 AM
MoNeYMaN5$25.00$25.0011/10/2009 10:57:53 AM
bold-favorable-penny$25.00$25.0011/10/2009 10:58:01 AM
SpareChangeHero$25.00$25.0011/10/2009 10:58:30 AM
lendinstuff$25.00$25.0011/10/2009 10:57:33 AM
MicroL$25.00$25.0011/10/2009 10:58:26 AM
Georgetastic$25.00$25.0011/10/2009 11:06:24 AM
head$25.00$25.0011/10/2009 11:06:29 AM
Little_Guy$25.00$25.0011/10/2009 11:06:59 AM
Danlo123$25.00$25.0011/10/2009 11:22:50 AM
lostontheedge$25.00$25.0011/10/2009 11:31:40 AM
MidnightBank$25.00$25.0011/10/2009 11:31:46 AM
InDyingLight$25.00$25.0011/10/2009 3:12:40 AM
reflective-rupee$25.00$25.0011/10/2009 11:33:03 AM
reflective-rupee$25.00$25.0011/10/2009 11:33:37 AM
TCR3$25.00$25.0011/10/2009 11:47:12 AM
schnatty$25.00$25.0011/10/2009 11:47:14 AM
cptmorgin$25.00$25.0011/10/2009 11:57:26 AM
credit-force5$25.00$25.0011/10/2009 12:03:36 PM
o0Sparrow0o$25.00$25.0011/10/2009 12:37:34 PM
Zagit$25.00$25.0011/10/2009 1:01:51 PM
Zubo$25.00$25.0011/10/2009 1:01:53 PM
Au-Ag-Pt$25.00$25.0011/10/2009 1:01:57 PM
Elbanko$25.00$25.0011/10/2009 1:02:01 PM
ibuystk$50.00$50.0011/10/2009 1:02:07 PM
Trimalchio12$25.00$25.0011/10/2009 1:02:10 PM
Veloce$25.00$25.0011/10/2009 1:02:13 PM
02bob$25.00$25.0011/10/2009 1:01:57 PM
treasure-firestarter8$25.00$25.0011/10/2009 1:02:18 PM
curly2k$25.00$25.0011/10/2009 1:02:03 PM
teejay411$37.62$37.6211/10/2009 1:02:04 PM
TommyTucker$35.27$35.2711/10/2009 1:02:28 PM
blue-exuberant-economy$50.00$50.0011/10/2009 1:02:14 PM
flexible1$25.00$25.0011/10/2009 1:02:19 PM
L-vex$25.00$25.0011/10/2009 1:02:46 PM
TennSquire$25.00$25.0011/10/2009 1:02:21 PM
IIP77$25.00$25.0011/10/2009 1:02:31 PM
jdl424$25.00$25.0011/10/2009 1:02:45 PM
twjh$25.00$25.0011/10/2009 1:06:36 PM
investment-encourager$25.00$25.0011/10/2009 7:32:47 AM
cladius67$25.00$25.0011/10/2009 9:04:06 AM
onlyastepaway$25.00$25.0011/10/2009 9:37:11 AM
jga516$25.00$25.0011/10/2009 10:22:03 AM
Carpetkid$25.00$25.0011/10/2009 10:23:54 AM
jblack01$25.00$25.0011/10/2009 10:32:28 AM
runner262$25.00$25.0011/10/2009 10:41:47 AM
mgbharry$25.00$25.0011/10/2009 10:42:12 AM
Cheburashka$25.00$25.0011/10/2009 10:42:44 AM
Katburg$25.00$25.0011/10/2009 10:42:57 AM
redhnd$25.00$25.0011/10/2009 10:58:08 AM
cozy-note$25.00$25.0011/10/2009 11:07:26 AM
Seattlite$25.00$25.0011/10/2009 11:31:30 AM
computers-er$50.00$50.0011/10/2009 12:01:19 PM
jumprun4112$50.00$50.0011/10/2009 12:06:23 PM
unafraid-loan2$25.00$25.0011/10/2009 12:47:20 PM
coolspeed$25.00$25.0011/10/2009 12:51:20 PM
JL_FC$25.00$25.0011/10/2009 1:01:50 PM
CoolHelp$25.00$25.0011/10/2009 1:01:54 PM
Tasmir$25.00$25.0011/10/2009 1:01:58 PM
top-unflappable-economy$37.17$37.1711/10/2009 1:02:01 PM
pbo922$25.00$25.0011/10/2009 1:02:06 PM
icefish$50.00$50.0011/10/2009 1:02:15 PM
ccdmp2004$25.00$25.0011/10/2009 1:02:18 PM
superindex$25.00$25.0011/10/2009 1:02:30 PM
oodkim84oo$39.91$39.9111/10/2009 1:02:35 PM
cjames84$25.00$25.0011/10/2009 1:02:38 PM
Snowflake6515$25.00$25.0011/10/2009 1:02:41 PM
jpollar$25.00$25.0011/11/2009 1:02:29 PM
well-mannered-income3$25.00$25.0011/12/2009 8:22:04 AM
silverloan$50.00$50.0011/11/2009 3:22:55 PM
1LendingSource$25.00$25.0011/11/2009 7:47:36 PM
TakeCare$50.00$50.0011/12/2009 3:09:37 PM
Mantis75$25.00$25.0011/12/2009 4:36:05 PM
meteoric-trade$25.00$25.0011/12/2009 9:04:10 PM
dime-fighter$25.00$25.0011/13/2009 8:25:32 AM
JauaFlash$26.82$26.8211/13/2009 11:47:49 AM
Digs$25.00$25.0011/13/2009 11:44:23 AM
cemseller$25.00$25.0011/13/2009 4:29:14 PM
charming-point$50.00$50.0011/13/2009 1:09:58 PM
TakeCare$50.00$50.0011/13/2009 2:55:53 PM
vivacious-p2p3$25.00$25.0011/13/2009 6:01:02 PM
credit-coach118$25.00$25.0011/14/2009 2:49:25 PM
tpcnet$28.91$28.9111/14/2009 7:59:59 PM
BBL$25.00$25.0011/15/2009 6:13:35 AM
CatbirdBanking$25.00$25.0011/14/2009 3:31:35 PM
building_community$25.00$25.0011/14/2009 6:35:56 PM
deal-pioneer1$25.00$25.0011/9/2009 4:15:42 PM
Tavita$25.00$25.0011/9/2009 4:16:08 PM
funds-shaker8$25.00$25.0011/9/2009 4:17:13 PM
value-pouch$25.00$25.0011/9/2009 4:17:27 PM
don8ter$25.00$25.0011/9/2009 4:17:56 PM
MoneyU4IA$25.00$25.0011/9/2009 4:20:13 PM
BigLinCT$25.00$25.0011/9/2009 4:20:28 PM
harperpotok$100.00$100.0011/9/2009 4:21:42 PM
vengy$25.00$25.0011/9/2009 4:22:27 PM
snoopey100$25.00$25.0011/9/2009 4:23:00 PM
YQQ$25.00$25.0011/9/2009 4:23:09 PM
syounker$25.00$25.0011/9/2009 4:22:48 PM
skro$25.00$25.0011/9/2009 4:23:04 PM
saffron4$25.00$25.0011/9/2009 4:23:30 PM
zone8$100.00$100.0011/9/2009 4:23:45 PM
mtquan$25.00$25.0011/9/2009 4:24:50 PM
YogaDude34$25.00$25.0011/9/2009 4:25:01 PM
delivery$25.00$25.0011/9/2009 4:25:19 PM
Poiny$25.00$25.0011/9/2009 4:26:02 PM
JGB$25.00$25.0011/9/2009 4:26:20 PM
GMPK_TLAS$25.00$25.0011/9/2009 4:27:35 PM
PatRichi$25.00$25.0011/9/2009 4:27:27 PM
loyalist1$25.00$25.0011/9/2009 4:27:56 PM
Shepherd7$25.00$25.0011/9/2009 4:28:03 PM
personal-lender$25.00$25.0011/9/2009 4:28:13 PM
market-solstice2$25.00$25.0011/9/2009 4:29:24 PM
ekn_enterprises$25.00$25.0011/9/2009 4:29:35 PM
roto$25.00$25.0011/9/2009 4:30:25 PM
cash-boots$25.00$25.0011/9/2009 4:30:47 PM
Orca-man$100.00$100.0011/9/2009 4:15:46 PM
shrewd-deal$25.00$25.0011/9/2009 4:17:05 PM
five-star-note$25.00$25.0011/9/2009 4:22:39 PM
lendcraft$25.00$25.0011/9/2009 4:23:23 PM
nickel-position$25.00$25.0011/9/2009 4:23:53 PM
PalmTreeIsland$100.00$100.0011/9/2009 4:36:12 PM
gold-sushi$25.00$25.0011/9/2009 4:24:16 PM
equitable-credit0$25.00$25.0011/9/2009 4:25:45 PM
unk1911$25.00$25.0011/9/2009 4:37:31 PM
PayItForward09$25.00$25.0011/9/2009 4:26:31 PM
pietro_torna_indietro$25.00$25.0011/9/2009 4:26:55 PM
green-discrete-responsibility$25.00$25.0011/9/2009 4:27:24 PM
Orringo$25.00$25.0011/9/2009 4:28:24 PM
beezling$52.00$52.0011/9/2009 4:28:32 PM
Lesburger$25.00$25.0011/9/2009 4:39:55 PM
350DGRZ$25.00$25.0011/9/2009 4:28:55 PM
efficient-bid2$25.00$25.0011/9/2009 4:29:05 PM
rawman$25.00$25.0011/9/2009 4:29:56 PM
GOPHERBOY$30.00$30.0011/9/2009 4:30:08 PM
wampum-chorus3$25.00$25.0011/9/2009 4:41:52 PM
payout-point$50.00$50.0011/9/2009 4:30:57 PM
CASHGIRL$25.00$25.0011/9/2009 4:43:32 PM
SPB$25.00$25.0011/9/2009 4:43:44 PM
aader$25.00$25.0011/9/2009 4:44:16 PM
LKN2RTR$25.00$25.0011/9/2009 4:44:33 PM
loanfairy$25.00$25.0011/9/2009 4:44:47 PM
slartibardfast$25.00$25.0011/9/2009 4:45:01 PM
NoCal$25.00$25.0011/9/2009 4:45:13 PM
Turtlebear44$25.00$25.0011/9/2009 4:45:24 PM
bronzmajom$25.00$25.0011/9/2009 4:45:38 PM
AF-Chief$25.00$25.0011/9/2009 4:45:45 PM
honorable-yield$25.00$25.0011/9/2009 4:45:51 PM
miked8303$25.00$25.0011/9/2009 4:46:07 PM
Wangersinc$25.00$25.0011/9/2009 4:46:03 PM
gracej$25.00$25.0011/9/2009 4:49:13 PM
affluence-tycoon$25.00$25.0011/9/2009 4:49:23 PM
Luigi$25.00$25.0011/9/2009 4:49:36 PM
slcchad$25.00$25.0011/9/2009 4:49:25 PM
FasTruk$25.00$25.0011/9/2009 4:39:04 PM
sharkm$25.00$25.0011/9/2009 4:53:22 PM
exuberant-pound$25.00$25.0011/9/2009 4:54:13 PM
serpentine$50.00$50.0011/9/2009 4:55:34 PM
Rupees_n_Pesos$25.00$25.0011/9/2009 4:55:21 PM
uga$25.00$25.0011/9/2009 4:56:51 PM
WilliamLeeSims$25.00$25.0011/9/2009 4:57:37 PM
Diamond_Jim$25.00$25.0011/9/2009 4:43:42 PM
All_Wins$25.00$25.0011/9/2009 4:44:15 PM
MoneyPlant$25.00$25.0011/9/2009 5:08:33 PM
lloyd_s$25.00$25.0011/9/2009 4:44:36 PM
mmqc$25.00$25.0011/9/2009 5:09:11 PM
4est$25.00$25.0011/9/2009 4:44:48 PM
transaction-axis$25.00$25.0011/9/2009 5:09:32 PM
charming-point$50.00$50.0011/9/2009 4:44:57 PM
tallmon$25.00$25.0011/9/2009 4:45:04 PM
shortstop21$25.00$25.0011/9/2009 5:08:52 PM
return-elm$25.00$25.0011/9/2009 4:46:21 PM
orange-astute-finance$25.00$25.0011/9/2009 5:09:45 PM
quintilian$50.00$50.0011/9/2009 5:10:07 PM
Dakota98$50.00$50.0011/9/2009 5:10:41 PM
chlebie$50.00$50.0011/9/2009 5:10:50 PM
bazaar-tulip$25.00$25.0011/9/2009 4:47:28 PM
rhin0cerx$50.00$50.0011/9/2009 5:12:33 PM
LenderByDay$25.00$25.0011/9/2009 5:13:31 PM
spirited-finance1$25.00$25.0011/9/2009 5:13:25 PM
lend_to_you$25.00$25.0011/9/2009 4:51:16 PM
Hondo$25.00$25.0011/9/2009 5:15:51 PM
RationalWorld$25.00$25.0011/9/2009 5:15:37 PM
newbietony$25.00$25.0011/9/2009 4:52:08 PM
resource777$25.00$25.0011/9/2009 4:52:33 PM
RB_Double-A_Bravo$25.00$25.0011/9/2009 5:18:12 PM
crazycool$25.00$25.0011/9/2009 5:18:40 PM
booksleuth$50.00$50.0011/9/2009 5:18:50 PM
PsiPro$25.00$25.0011/9/2009 4:54:38 PM
Artist_Blue$25.00$25.0011/9/2009 5:19:18 PM
KHU2-B$25.00$25.0011/9/2009 5:19:48 PM
The_Lending_Muscle$25.00$25.0011/9/2009 5:19:30 PM
Gibbyland$50.00$50.0011/9/2009 5:20:04 PM
westend$25.00$25.0011/9/2009 5:19:59 PM
punctual-worth$25.00$25.0011/9/2009 5:21:08 PM
money-maniac$25.00$25.0011/9/2009 5:20:53 PM
the-profit-oracle$25.00$25.0011/9/2009 5:22:15 PM
seisen$50.00$50.0011/9/2009 5:23:06 PM
yomanie$25.00$25.0011/9/2009 4:57:57 PM
ferocious-exchange3$25.00$25.0011/9/2009 5:23:08 PM
hard-working-loot$25.00$25.0011/9/2009 5:23:38 PM
TheYellowDart$25.00$25.0011/9/2009 5:23:27 PM
Minotaur$36.00$36.0011/9/2009 4:58:26 PM
108lender$75.00$75.0011/9/2009 5:23:33 PM
Banker7371$25.00$25.0011/9/2009 5:24:22 PM
Amused1$25.00$25.0011/9/2009 5:08:58 PM
dparkhom$25.00$25.0011/9/2009 5:26:22 PM
truth-eclair$25.00$25.0011/9/2009 5:26:57 PM
Dahlozer$25.00$25.0011/9/2009 5:27:08 PM
aceking$25.00$25.0011/9/2009 5:26:25 PM
flwah$50.00$50.0011/9/2009 5:26:33 PM
sloan$25.00$25.0011/9/2009 5:26:38 PM
bbrelo$25.00$25.0011/9/2009 5:27:31 PM
Sateesh$100.00$100.0011/9/2009 5:26:45 PM
bruin558$50.00$50.0011/9/2009 5:27:45 PM
rjleves$25.00$25.0011/9/2009 5:27:12 PM
standanddeliver$25.00$25.0011/9/2009 5:27:23 PM
Heatguy$50.00$50.0011/9/2009 5:28:43 PM
bigbryan98$25.00$25.0011/9/2009 5:11:32 PM
mikrolown$25.00$25.0011/9/2009 5:28:30 PM
boater01$50.00$50.0011/9/2009 5:29:54 PM
EnigmaNYC-29$25.00$25.0011/9/2009 5:30:03 PM
d_grbg$25.00$25.0011/9/2009 5:28:52 PM
return-confidant$25.00$25.0011/9/2009 5:12:19 PM
Boca$25.00$25.0011/9/2009 5:29:12 PM
SDNLR$25.00$25.0011/9/2009 5:30:23 PM
czar3$30.00$30.0011/9/2009 5:30:30 PM
shingu79$50.00$50.0011/9/2009 5:29:17 PM
yield-lion$25.00$25.0011/9/2009 5:30:46 PM
vcbogan$100.00$100.0011/9/2009 5:30:53 PM
Cai8899$40.00$40.0011/9/2009 5:31:04 PM
fllender$25.00$25.0011/9/2009 5:29:51 PM
payout-achievement$40.00$40.0011/9/2009 5:29:57 PM
techvet$25.00$25.0011/9/2009 5:31:16 PM
mstebnicki$25.00$25.0011/9/2009 5:31:37 PM
capital-duckling$25.00$25.0011/9/2009 5:31:42 PM
neenerman$50.00$50.0011/9/2009 5:31:47 PM
bonus-buddy2$35.00$35.0011/9/2009 5:30:39 PM
reflective-rupee$25.00$25.0011/9/2009 5:32:06 PM
direct-yield$25.00$25.0011/9/2009 5:15:23 PM
courteous-deal8$25.00$25.0011/9/2009 5:31:03 PM
bchen78875$25.00$25.0011/9/2009 5:31:09 PM
youqianderen$50.00$50.0011/9/2009 5:31:28 PM
westsidehighway$25.00$25.0011/9/2009 5:31:31 PM
Dunndeal4u$25.00$25.0011/9/2009 5:31:35 PM
Jassi$25.00$25.0011/9/2009 5:16:04 PM
a-finance-nirvana$100.00$100.0011/9/2009 5:31:45 PM
jybank$25.00$25.0011/9/2009 5:31:52 PM
skuba$25.00$25.0011/9/2009 5:18:57 PM
jdrez$25.00$25.0011/9/2009 5:35:42 PM
Dutchhunter$25.00$25.0011/9/2009 5:35:46 PM
exact-justice$25.00$25.0011/9/2009 5:35:53 PM
truth-futurist$25.00$25.0011/9/2009 5:35:44 PM
andyb9$25.00$25.0011/9/2009 5:36:04 PM
engaging-worth$30.00$30.0011/9/2009 5:20:49 PM
purdue98$25.00$25.0011/9/2009 5:38:19 PM
Tammy102800$25.00$25.0011/9/2009 5:39:20 PM
twomonkeys3$25.00$25.0011/9/2009 5:39:32 PM
tspyz$25.00$25.0011/9/2009 5:40:03 PM
leverage-trident$25.00$25.0011/9/2009 5:47:33 PM
aldeed$25.00$25.0011/9/2009 5:49:36 PM
commerce-champion$25.00$25.0011/9/2009 5:49:42 PM
CROBRUN$50.00$50.0011/9/2009 5:49:45 PM
mooselegs19$25.00$25.0011/9/2009 5:49:53 PM
tnjohnso$25.00$25.0011/9/2009 5:50:51 PM
glalat$25.00$25.0011/9/2009 5:57:49 PM
natecam$25.00$25.0011/9/2009 5:26:44 PM
irrelevant$25.00$25.0011/9/2009 5:27:48 PM
EPCapital$25.00$25.0011/9/2009 6:46:31 PM
Lightlife$50.00$50.0011/9/2009 5:29:31 PM
credit-kahuna$100.00$100.0011/9/2009 5:29:48 PM
nestegg4e$25.00$25.0011/9/2009 7:11:41 PM
suomynona$25.00$25.0011/9/2009 7:26:48 PM
friendly-return7$25.00$25.0011/9/2009 7:56:28 PM
RetiredATC$25.00$25.0011/9/2009 5:31:01 PM
poeman$25.00$25.0011/9/2009 5:31:33 PM
catomaior$25.00$25.0011/9/2009 5:31:44 PM
KiwiElf$25.00$25.0011/9/2009 8:46:29 PM
flexiboy35$25.00$25.0011/9/2009 8:46:23 PM
felicity-daydream$25.00$25.0011/9/2009 9:58:33 PM
wiltonbound$25.00$25.0011/9/2009 5:36:09 PM
financial-frenzy$50.00$50.0011/9/2009 5:36:19 PM
towering-platinum3$25.00$25.0011/9/2009 5:37:42 PM
atothez$25.00$25.0011/9/2009 5:38:20 PM
Sefotonga$25.00$25.0011/10/2009 4:59:34 AM
Poohcho$25.00$25.0011/9/2009 5:39:21 PM
gotyourgear$25.00$25.0011/9/2009 5:46:56 PM
BayShell$40.00$40.0011/9/2009 5:47:47 PM
mmckune$25.00$25.0011/9/2009 5:57:48 PM
peaceful-trade$25.00$25.0011/10/2009 7:34:11 AM
tearingstar$25.00$25.0011/9/2009 5:58:13 PM
zippy-coin$25.00$25.0011/10/2009 8:12:01 AM
Bank_Of_XL$50.00$50.0011/10/2009 7:28:01 AM
EtaDuck$25.00$25.0011/10/2009 9:36:35 AM
DrStaff$41.04$41.0411/10/2009 10:17:46 AM
compsciman$27.63$27.6311/10/2009 10:16:42 AM
djh47a$25.00$25.0011/10/2009 10:41:53 AM
SnE$25.00$25.0011/9/2009 9:51:42 PM
chief_wo$25.00$25.0011/10/2009 10:42:56 AM
Lilred7879$46.54$46.5411/10/2009 10:36:29 AM
StWaldo$25.00$25.0011/9/2009 10:51:18 PM
skidoo99$25.00$25.0011/10/2009 10:57:24 AM
elated-justice$25.00$25.0011/10/2009 10:41:57 AM
Residuum$25.00$25.0011/10/2009 10:57:46 AM
UCLA4life$25.00$25.0011/10/2009 10:42:36 AM
diversification-enlistment$25.00$25.0011/10/2009 10:57:59 AM
p1k4blu$25.00$25.0011/10/2009 10:57:21 AM
TheColoradoDon$25.00$25.0011/10/2009 11:06:22 AM
duty-monger$50.00$50.0011/10/2009 11:06:25 AM
HalfDayz$25.80$25.8011/10/2009 11:06:33 AM
jtrump22$25.00$25.0011/10/2009 11:07:02 AM
econman1$25.00$25.0011/10/2009 11:12:55 AM
Yankeeeagle$25.00$25.0011/10/2009 11:22:57 AM
JRHdocRN$25.00$25.0011/10/2009 11:31:34 AM
nikgod$25.00$25.0011/10/2009 11:31:43 AM
preciousjeni$26.62$26.6211/10/2009 11:31:53 AM
reflective-rupee$25.00$25.0011/10/2009 11:33:22 AM
Picopie$31.36$31.3611/10/2009 11:47:04 AM
happyskippy0208$25.00$25.0011/10/2009 11:37:37 AM
latestone$25.00$25.0011/10/2009 11:47:17 AM
majorf2136$25.00$25.0011/10/2009 11:57:02 AM
InvestorPartners$25.00$25.0011/10/2009 4:58:35 AM
helpful-listing$25.00$25.0011/10/2009 12:01:50 PM
moola-kingdom$25.00$25.0011/10/2009 12:21:27 PM
reciprocate$50.00$50.0011/10/2009 12:37:17 PM
lending-bear$50.00$50.0011/10/2009 1:01:52 PM
Buffer10$26.73$26.7311/10/2009 12:51:21 PM
restech$25.00$25.0011/10/2009 1:01:56 PM
BerkeleyBonds$25.00$25.0011/10/2009 1:01:59 PM
nycloan$25.00$25.0011/10/2009 1:02:02 PM
jgar_O$25.00$25.0011/10/2009 6:18:39 AM
sambog$25.00$25.0011/10/2009 1:02:08 PM
wbahl$25.00$25.0011/10/2009 1:01:43 PM
fairwealth$25.00$25.0011/10/2009 1:02:12 PM
Cbgator$25.00$25.0011/10/2009 1:01:50 PM
langdonx$25.00$25.0011/10/2009 1:02:15 PM
revenue-achievement$25.00$25.0011/10/2009 1:01:59 PM
wise-merciful-cash$25.00$25.0011/10/2009 1:02:22 PM
Texas2020$25.00$25.0011/10/2009 1:02:03 PM
mrfixerupper$25.00$25.0011/10/2009 1:02:26 PM
gold-tsunami$25.00$25.0011/10/2009 1:02:09 PM
DadWarbucks$25.00$25.0011/10/2009 6:36:19 AM
beyondmanagement$25.00$25.0011/10/2009 1:02:33 PM
Int_PrinRateTime4000$40.00$40.0011/10/2009 1:02:17 PM
dospapalotes$25.00$25.0011/10/2009 1:02:37 PM
incbx$25.00$25.0011/10/2009 1:02:20 PM
noble-revenue$100.00$100.0011/10/2009 1:02:29 PM
ahalls$25.00$25.0011/10/2009 1:02:34 PM
kirkjerk$25.00$16.4511/10/2009 1:02:46 PM
philwags$25.00$25.0011/10/2009 8:56:26 AM
penny-surgeon$25.00$25.0011/10/2009 9:36:29 AM
dignified-finance$25.00$25.0011/10/2009 9:36:38 AM
treasure-miser$25.00$25.0011/10/2009 10:42:46 AM
thryn$25.00$25.0011/10/2009 10:57:58 AM
monstersdad$34.00$34.0011/10/2009 11:06:31 AM
DDHMoney$25.00$25.0011/10/2009 11:12:19 AM
Share_The_Wealth$26.23$26.2311/10/2009 11:25:02 AM
bleacher$25.00$25.0011/10/2009 11:47:09 AM
seattleslug$25.00$25.0011/10/2009 11:47:43 AM
visionary-currency$25.00$25.0011/10/2009 11:57:10 AM
YellowJacket$25.00$25.0011/10/2009 12:46:49 PM
showmestatekid$25.00$25.0011/10/2009 1:01:48 PM
lmmlmmlmm$25.00$25.0011/10/2009 1:01:51 PM
myhrer$30.00$30.0011/10/2009 1:01:55 PM
bigdogsafety1$25.00$25.0011/10/2009 1:02:00 PM
mason13a$25.00$25.0011/10/2009 1:02:05 PM
Sixmil$25.00$25.0011/10/2009 1:02:09 PM
maschinenbau$25.00$25.0011/10/2009 1:02:16 PM
fizwahh$30.00$30.0011/10/2009 1:02:21 PM
dinobuddy$25.00$25.0011/10/2009 1:02:33 PM
jenq0001$25.00$25.0011/10/2009 1:02:35 PM
rwelle$25.00$25.0011/10/2009 1:02:39 PM
goldeneye777$25.00$25.0011/10/2009 1:02:42 PM
BuffetRocks$50.00$50.0011/10/2009 11:57:11 PM
Sol_Invictus$25.00$25.0011/11/2009 4:08:52 AM
Cashlender1992$25.00$25.0011/11/2009 4:09:24 PM
cash-game-changer$25.00$25.0011/12/2009 5:45:21 AM
nalaari$50.00$50.0011/12/2009 5:55:35 AM
well-mannered-income3$25.00$25.0011/12/2009 8:21:15 AM
TakeCare$50.00$50.0011/12/2009 3:09:19 PM
i3urtonair$25.00$25.0011/13/2009 7:33:27 AM
umfan123$25.00$25.0011/13/2009 8:07:06 AM
himanshuko$34.87$34.8711/13/2009 9:18:14 AM
charming-point$50.00$50.0011/13/2009 1:06:30 PM
interstellar$50.00$50.0011/13/2009 1:24:13 PM
grf1945$25.00$25.0011/13/2009 4:25:48 PM
LoanDMC$25.00$25.0011/13/2009 8:07:58 PM
psbruce$25.00$25.0011/14/2009 7:11:27 AM
SFBank$200.00$200.0011/14/2009 11:09:41 AM
Feyenoord$25.00$25.0011/14/2009 1:19:47 PM
truth-smasher$25.00$25.0011/14/2009 6:52:10 PM
Alligator4$50.00$50.0011/14/2009 8:02:00 AM
lendme2$100.00$100.0011/14/2009 12:03:48 PM
Greenrenov$50.00$50.0011/14/2009 8:12:37 PM
625 bids
 
Borrower Payment Dependent Notes Series 432410
This series of Notes was issued and sold upon the funding of the borrower loan #39546, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 17.25% Starting borrower rate/APR: 18.25% / 20.46% Starting monthly payment: $90.69
Final lender yield: 11.47% Final borrower rate/APR: 12.47% / 14.61% Final monthly payment: $83.60
 
Auction yield range: 4.29% - 17.25% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1995 Debt/Income ratio: 2%
Credit score: 700-719 (Oct-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:7y 9m
Amount delinquent: $0 Revolving credit balance: $1,366 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 41%Stated income:$50,000-$74,999
Delinquencies in last 7y: 25 Homeownership: No  
Inquiries last 6m: 0    
Screen name: relocate-me Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Moving Expense Help
Purpose of loan:
Help pay for upcoming moving expenses.? ?(I withdrew last listng early) I have?dramatically increased the interest rate in an attempt to secure the loan. My Wife and I?are relocating from Tampa Bay to?Vero Beach at the end of this month.? Thanks for your consideration.? I appreciate all your bids.? I won't disappoint you.

My financial situation:
I was forced into bankruptcy in June of 08 due to?a divorce. ?Since then, I have been steadily rebuilding my credit in small incremental steps and plan on purchasing a home next year. ?I pay my bills on time.? I?received a promotion and will receive a salary increase as well as a bonus program next month.? My job is stable, and I have been with the same company for nearly 8 years.? I plan on paying this loan off early.?
Monthly net income: $3,610
Gross? Annual Income:$60,271 (this does not include my spouse?s income) I have added my car allowance to my gross income
Monthly expenses:?
Housing: $1050?? new place will be $850
Insurance: $ 125
Car expenses: $ 296
Utilities: $200
Phone, cable, Internet: $145?($87 reimbursed)
Food, entertainment: $250
Clothing, household expenses $150
Credit cards and other loans: $ 150


Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why are you moving if you have a stable job for the past 8 years? - ccaxid57
A: Hi, I am glad you asked. I relocated with my job from Denver 3 years ago to the Tampa Bay Area. I am a Regional Service Manager for a manufacturer of eyewear/sunglasses. I can live anywhere in the Eastern United States that is somewhat close to an Airport. My new Wife lived in Ft Lauderdale for 3 years and Jacksonville for 10 years prior to our move to Tampa. It's cheaper in Vero to live and she is closer to her family. We have no family in Tampa Area. (Nov-10-2009)
Q: Why does your profile show 25 delinquencies in the past 7 years? - OldManP
A: The delinquencies are due to late payments and write offs due to divorce which eventually led me to file for bankrupcty. Prior to filing, I was maintaining two households which led me into financial disaster. My FICO score has continued to climb since the discharge of my bankrupcty a year and a half ago. Everything is looking up! (Nov-11-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
louisprima$100.00$100.0011/9/2009 5:40:17 PM
sks1$25.00$25.0011/10/2009 6:21:42 PM
minista$25.00$25.0011/12/2009 10:46:00 AM
flwah$25.00$25.0011/12/2009 4:31:08 PM
Ven58$25.00$25.0011/13/2009 1:03:44 PM
Streamfeeder$50.00$50.0011/13/2009 9:38:59 AM
availableloan$25.00$25.0011/13/2009 4:26:38 PM
doacommish$25.00$25.0011/14/2009 10:26:03 AM
Lender0307$25.00$25.0011/13/2009 8:08:51 PM
Feyenoord$25.00$25.0011/14/2009 1:23:19 PM
springpanda$50.00$50.0011/13/2009 10:55:40 PM
mamayama$100.00$100.0011/14/2009 3:07:49 PM
gothampark$25.00$25.0011/14/2009 1:24:21 PM
usd1027$25.00$25.0011/15/2009 3:52:14 PM
worth-matador$25.00$25.0011/15/2009 5:20:43 PM
LoanDMC$25.00$25.0011/15/2009 10:43:54 AM
rmpedi33$100.00$100.0011/16/2009 9:53:03 AM
jybank$25.00$25.0011/16/2009 9:53:53 AM
dorypro$25.00$25.0011/16/2009 4:04:39 PM
CallMeBen$25.00$25.0011/9/2009 4:38:23 PM
totoro$25.00$25.0011/9/2009 5:22:38 PM
a-shiny-dime$25.00$25.0011/9/2009 5:40:12 PM
Syzygy$25.00$25.0011/10/2009 10:18:34 AM
noble-revenue$100.00$100.0011/11/2009 8:14:23 AM
GrayStudio$50.00$50.0011/11/2009 2:41:28 PM
breadbroker$25.00$25.0011/11/2009 8:46:31 AM
joecar1111$100.00$100.0011/12/2009 9:58:25 PM
palpbert$36.70$36.7011/13/2009 3:58:52 PM
carrinel$100.00$100.0011/13/2009 4:36:11 PM
PalmerTheEmbalmer$30.00$30.0011/13/2009 3:06:14 PM
mosby$50.00$50.0011/13/2009 5:12:24 PM
zenchef$39.00$39.0011/13/2009 11:10:37 PM
LesPaul1$25.00$25.0011/15/2009 8:39:01 AM
dustman$25.00$25.0011/15/2009 10:12:56 AM
HenryK7$54.13$54.1311/15/2009 9:53:23 PM
msullivaniii$25.00$25.0011/15/2009 8:21:49 PM
fatboy888$25.00$25.0011/16/2009 5:37:55 AM
astro128$25.27$25.2711/16/2009 11:23:57 AM
himanshuko$51.52$51.5211/16/2009 11:30:31 AM
iResponsibleLender$25.00$25.0011/16/2009 12:11:51 PM
Astyanax$25.00$25.0011/16/2009 12:59:26 PM
unfixer$25.00$25.0011/16/2009 2:35:05 PM
icon7$50.00$50.0011/16/2009 3:45:08 PM
TakeCare$25.00$25.0011/16/2009 3:58:02 PM
patriot384$50.00$50.0011/16/2009 4:16:11 PM
Snoopylover$25.00$25.0011/16/2009 12:20:28 PM
moneysteward41$25.00$25.0011/16/2009 1:06:15 PM
MrCoffee$84.83$38.3811/16/2009 3:45:46 PM
wild-orange$500.00$500.0011/16/2009 4:15:26 PM
truth-smasher$100.00$100.0011/16/2009 4:16:31 PM
50 bids
 
Borrower Payment Dependent Notes Series 432476
This series of Notes was issued and sold upon the funding of the borrower loan #39563, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 21.17% Starting borrower rate/APR: 22.17% / 24.44% Starting monthly payment: $191.39
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $186.07
 
Auction yield range: 8.29% - 21.17% 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: Feb-2001 Debt/Income ratio: 21%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $16,607 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: money-matrix Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help me cut this ball and chain off
Purpose of loan:
This loan will be used to consolidate high interest debt.? We had our little boy 4 years ago and our girl 2 years ago.? Right after our girl was born my wife hard surgery for tumors.? She is fine now.? All of it had a shock to our finances.? We put almost all of it on credit cards.? We just need some lower interest rates to help pay it off.

My financial situation:
I have a great job as a software developer on a long term contract for the US Gov.? I have been working on it for about 3.5 years, and have no plans on changing anything.? We have no problem paying our bills.? We have about $16k in debt that needs to get paid off to set us free... really not a big problem, we just want it done faster and for it to cost less.

Monthly net income: $ 4700

Monthly expenses: $4107
? Housing: $ 1450
? Insurance: $ 57
? Car expenses: $ 450
? Utilities: $ 150
? Phone, cable, internet: $ 150
? Food, entertainment: $ 400
? Clothing, household expenses $ 200
? Credit cards and other loans: $ 1000
? Other expenses: $ 250
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What interest rate are you paying on your cc debt now? Thanks and good luck with the funding! - zento
A: I have a few cards, and most of them are 26% to 29%. 20.10% isnt great, which is what the loan is at right now. the $150 fee comes out to 3%, and over 3 years thats about 1% extra, so its really about 22.10% right now, not great, but it will be one payment that wont change. (Nov-13-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MoneyU4IA$25.00$25.0011/9/2009 4:20:11 PM
harperpotok$100.00$100.0011/9/2009 4:21:38 PM
vengy$25.00$25.0011/9/2009 4:22:30 PM
fortytwo$150.00$150.0011/9/2009 4:24:03 PM
efficient-bid2$25.00$25.0011/9/2009 4:29:03 PM
LandoC1$25.00$25.0011/9/2009 4:29:11 PM
loanfairy$25.00$25.0011/9/2009 4:29:44 PM
roto$25.00$25.0011/9/2009 4:30:22 PM
payout-point$50.00$50.0011/9/2009 4:30:56 PM
GatorBux$100.00$100.0011/9/2009 4:18:09 PM
BigLinCT$25.00$25.0011/9/2009 4:20:27 PM
social-caravan$25.00$25.0011/9/2009 4:28:47 PM
ekn_enterprises$25.00$25.0011/9/2009 4:29:33 PM
bdloans$100.00$100.0011/9/2009 4:41:14 PM
westend$25.00$25.0011/9/2009 4:29:41 PM
aasx1108$25.00$25.0011/9/2009 4:41:44 PM
cash-boots$25.00$25.0011/9/2009 4:30:45 PM
granitepk$25.00$25.0011/9/2009 4:42:56 PM
Diamond_Jim$25.00$25.0011/9/2009 4:43:46 PM
social-gatherer7$25.00$25.0011/9/2009 4:44:11 PM
robot777$40.00$40.0011/9/2009 4:38:28 PM
newbietony$25.00$25.0011/9/2009 4:52:07 PM
cscott2007$50.00$50.0011/9/2009 4:54:18 PM
Rupees_n_Pesos$25.00$25.0011/9/2009 4:55:19 PM
serpentine$50.00$50.0011/9/2009 4:55:32 PM
WilliamLeeSims$25.00$25.0011/9/2009 4:57:35 PM
HarrisonHome$25.00$25.0011/9/2009 4:58:15 PM
Minotaur$36.00$36.0011/9/2009 4:58:25 PM
quintilian$50.00$50.0011/9/2009 5:10:09 PM
nowits10$25.00$25.0011/9/2009 4:51:54 PM
burgeoning-silver$25.00$25.0011/9/2009 4:56:10 PM
uga$25.00$25.0011/9/2009 4:56:48 PM
five-star-justice$36.00$36.0011/9/2009 5:24:25 PM
the-money-gargantuan$25.00$25.0011/9/2009 5:09:25 PM
transaction-axis$25.00$25.0011/9/2009 5:09:30 PM
RSV$25.00$25.0011/9/2009 5:09:39 PM
GeoLender$25.00$25.0011/9/2009 5:56:20 PM
Bank_Of_XL$100.00$100.0011/10/2009 7:43:56 AM
BuffetRocks$50.00$50.0011/10/2009 1:06:13 PM
PropertyInvest$25.00$25.0011/10/2009 5:22:58 PM
leverage-monger$100.00$100.0011/12/2009 9:49:34 AM
szetheli$118.00$118.0011/12/2009 7:48:04 AM
TakeCare$25.00$25.0011/12/2009 3:13:56 PM
skeebuzz$100.00$100.0011/13/2009 10:31:34 AM
charming-point$100.00$100.0011/13/2009 1:30:42 PM
felicity-daydream$25.00$25.0011/13/2009 3:21:05 PM
five-star-note$35.00$35.0011/13/2009 4:19:49 PM
beuford7$25.00$25.0011/13/2009 4:48:14 PM
carrinel$100.00$100.0011/13/2009 4:50:28 PM
well-mannered-income3$25.00$25.0011/14/2009 7:11:44 AM
gothampark$25.00$25.0011/14/2009 3:08:55 PM
privatebankerva$25.00$25.0011/14/2009 6:46:08 AM
quick$50.00$50.0011/15/2009 8:12:29 AM
fireferd$100.00$100.0011/15/2009 2:27:22 PM
authoritative-social$25.00$25.0011/15/2009 5:51:09 PM
cforell$25.00$25.0011/16/2009 8:09:12 AM
Techne_Funds_LLC$25.00$25.0011/15/2009 7:36:27 PM
MrCoffee$50.00$50.0011/16/2009 11:30:39 AM
SkinnyFish$25.00$25.0011/16/2009 12:41:38 PM
Rothgoe$30.70$30.7011/16/2009 12:39:07 PM
Astyanax$25.00$25.0011/16/2009 1:09:32 PM
durability-colonel$50.00$50.0011/16/2009 2:10:55 PM
GInBaghdad$25.00$25.0011/16/2009 1:58:51 PM
transaction-animal8$25.00$25.0011/16/2009 2:18:35 PM
mchoreography$50.00$50.0011/16/2009 3:35:07 PM
TakeCare$25.00$25.0011/16/2009 4:02:05 PM
Searlzy$25.00$25.0011/16/2009 11:04:42 AM
bnordman$57.42$57.4211/16/2009 4:15:29 PM
Bill88$41.70$41.7011/16/2009 4:18:02 PM
BBL$25.00$25.0011/16/2009 2:08:43 PM
icon7$50.00$50.0011/16/2009 3:50:56 PM
credit-missile$300.00$300.0011/16/2009 3:59:02 PM
wild-orange$100.00$100.0011/16/2009 4:14:13 PM
syounker$25.00$25.0011/9/2009 4:22:46 PM
350DGRZ$25.00$25.0011/9/2009 4:28:51 PM
market-solstice2$25.00$25.0011/9/2009 4:29:22 PM
rawman$25.00$25.0011/9/2009 4:29:55 PM
GOPHERBOY$30.00$30.0011/9/2009 4:30:06 PM
wampum-chorus3$25.00$25.0011/9/2009 4:41:51 PM
whiterabbit1874$25.00$25.0011/9/2009 4:42:03 PM
Luigi$25.00$25.0011/9/2009 4:49:34 PM
mizon291$25.00$25.0011/9/2009 4:50:21 PM
unk1911$25.00$25.0011/9/2009 4:37:33 PM
resource777$25.00$25.0011/9/2009 4:52:31 PM
Lesburger$25.00$25.0011/9/2009 4:39:52 PM
sharkm$25.00$25.0011/9/2009 4:53:20 PM
iolaire$25.00$25.0011/9/2009 4:40:55 PM
PsiPro$25.00$25.0011/9/2009 4:54:41 PM
E_G$30.00$30.0011/9/2009 4:55:01 PM
notyourdaddy$25.00$25.0011/9/2009 4:55:57 PM
superindex$25.00$25.0011/9/2009 4:43:01 PM
affluence-tycoon$25.00$25.0011/9/2009 5:10:34 PM
888168$25.00$5.1811/9/2009 5:10:44 PM
tallmon$25.00$25.0011/9/2009 4:50:45 PM
lend_to_you$25.00$25.0011/9/2009 4:51:15 PM
leodaguy$25.00$25.0011/9/2009 4:51:37 PM
MoneyPlant$25.00$25.0011/9/2009 5:08:31 PM
jybank$25.00$25.0011/9/2009 5:31:52 PM
GeoLender$25.00$25.0011/9/2009 5:56:03 PM
mdreiss$25.00$25.0011/10/2009 1:06:14 PM
RobinHood$50.00$50.0011/10/2009 11:59:28 AM
Pickmar$25.00$25.0011/11/2009 7:40:09 AM
twjh$25.00$25.0011/12/2009 6:07:12 AM
MarvinE$25.00$25.0011/12/2009 8:44:31 AM
AuroraRobbin$50.00$50.0011/12/2009 10:31:34 AM
zorbadgreek$25.00$25.0011/13/2009 8:50:43 PM
zento$25.00$25.0011/13/2009 10:58:02 PM
marala4285$25.00$25.0011/14/2009 6:38:19 AM
x01440$50.00$50.0011/14/2009 6:23:29 AM
caseattle$25.00$25.0011/14/2009 2:03:46 PM
credit-coach118$25.00$25.0011/14/2009 8:18:42 AM
building_community$25.00$25.0011/14/2009 6:34:55 PM
sunnysally$25.00$25.0011/14/2009 9:39:07 AM
spiff666$25.00$25.0011/15/2009 8:09:06 AM
wwwUniversal$25.00$25.0011/15/2009 6:52:50 PM
site_ml$25.00$25.0011/15/2009 11:38:57 PM
Skeptical-one$50.00$50.0011/16/2009 8:27:23 AM
troubleman50$60.00$60.0011/15/2009 5:06:54 PM
FundMaker$25.00$25.0011/15/2009 7:22:04 PM
FinanceEngine$25.00$25.0011/16/2009 11:36:32 AM
nethosters$25.00$25.0011/16/2009 12:45:07 PM
investment-cluster$25.00$25.0011/16/2009 2:14:20 PM
Engineer44$30.00$30.0011/16/2009 4:17:31 PM
lendme2$100.00$100.0011/16/2009 12:04:43 PM
sharp-return7$25.00$25.0011/16/2009 4:17:16 PM
fireferd$50.00$50.0011/16/2009 1:21:59 PM
transparency-tomahawk$25.00$25.0011/16/2009 2:23:23 PM
127 bids
 
Borrower Payment Dependent Notes Series 432482
This series of Notes was issued and sold upon the funding of the borrower loan #39547, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 7.69% Starting borrower rate/APR: 8.69% / 9.03% Starting monthly payment: $63.31
Final lender yield: 6.20% Final borrower rate/APR: 7.20% / 7.54% Final monthly payment: $61.94
 
Auction yield range: 3.29% - 7.69% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Aug-1989 Debt/Income ratio: 23%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:17y 5m
Amount delinquent: $0 Revolving credit balance: $710 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: affluence-papyrus Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
moving daughter home
Purpose of loan:
This loan will be used to?my daughter lost her job in the charlotte area and i have to move her home(what dads do you know)?

My financial situation:
I am a good candidate for this loan because?have repaid every loan i have made but i need this money for the?unexpected
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ytjameslee$50.00$50.0011/9/2009 4:18:46 PM
return-elm$25.00$25.0011/9/2009 4:20:18 PM
wdove511$25.00$25.0011/9/2009 4:20:22 PM
MONEYLENDER101$100.00$100.0011/9/2009 4:20:39 PM
mamayama$25.00$25.0011/9/2009 4:21:56 PM
tallmon$25.00$25.0011/9/2009 4:22:09 PM
dparkhom$25.00$25.0011/9/2009 4:31:58 PM
iruz$50.00$22.0211/9/2009 4:32:07 PM
888168$50.00$50.0011/9/2009 4:21:27 PM
top-trade-chihuahua$25.00$25.0011/9/2009 4:22:23 PM
GeoLender$25.00$25.0011/9/2009 5:43:58 PM
blot44$100.00$100.0011/9/2009 8:48:29 PM
hellasow$30.00$30.0011/10/2009 5:27:38 AM
GeoLender$25.00$25.0011/9/2009 5:44:12 PM
greenback-floret$50.00$50.0011/10/2009 7:11:42 AM
amit_gu$50.00$50.0011/10/2009 2:41:20 PM
Dollars4Rent$25.00$25.0011/13/2009 1:21:42 PM
Dollars4Rent$25.00$25.0011/13/2009 1:21:26 PM
IceFisherman$31.29$31.2911/13/2009 4:39:59 PM
marwadi-62$200.00$200.0011/13/2009 4:56:21 PM
FundMaker$25.00$25.0011/15/2009 9:02:55 AM
wwwUniversal$25.00$25.0011/15/2009 6:53:15 PM
MoneyForNothing$25.00$25.0011/16/2009 3:03:47 PM
wild-orange$100.00$100.0011/16/2009 4:16:30 PM
Astyanax$25.00$25.0011/16/2009 1:10:29 PM
payout-point$100.00$100.0011/9/2009 4:19:08 PM
Hondo$25.00$25.0011/9/2009 4:20:52 PM
MTLoans$25.00$25.0011/9/2009 4:21:47 PM
SDNLR$25.00$25.0011/9/2009 4:22:04 PM
wrighco$25.00$25.0011/9/2009 4:31:26 PM
generosity-neutrino$25.00$25.0011/9/2009 4:31:46 PM
pragmatic-camaraderi$25.00$25.0011/9/2009 4:20:47 PM
kulender$25.00$25.0011/9/2009 4:22:21 PM
kchen486$25.00$25.0011/9/2009 4:31:38 PM
Patrician$100.00$100.0011/9/2009 4:55:50 PM
GeoLender$25.00$25.0011/9/2009 5:43:47 PM
GeoLender$25.00$25.0011/9/2009 5:44:25 PM
neenerman$75.00$75.0011/9/2009 5:23:44 PM
F_r_e_d_s__B_a_n_k$100.00$100.0011/9/2009 5:25:11 PM
five-star-justice$36.00$36.0011/11/2009 7:02:29 AM
djmjkelso$25.00$25.0011/11/2009 11:29:56 PM
springpanda$50.00$50.0011/13/2009 10:59:59 PM
billnsc$30.69$30.6911/14/2009 10:28:31 AM
springpanda$25.00$25.0011/15/2009 3:32:51 PM
octoberfresh$25.00$25.0011/16/2009 7:22:22 AM
icon7$25.00$25.0011/16/2009 3:51:49 PM
jybank$25.00$25.0011/16/2009 11:44:30 AM
47 bids
 
Borrower Payment Dependent Notes Series 432546
This series of Notes was issued and sold upon the funding of the borrower loan #39552, 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:  Nov-10-2009 
  Auction end date:  Nov-17-2009 
 
Starting lender yield: 30.34% Starting borrower rate/APR: 31.34% / 33.74% Starting monthly payment: $215.94
Final lender yield: 30.34% Final borrower rate/APR: 31.34% / 33.74% Final monthly payment: $215.94
 
Auction yield range: 11.29% - 30.34% Estimated loss impact: 10.77%  
Lender servicing fee: 1.00% Estimated return: 19.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: May-1995 Debt/Income ratio: Not calculated
Credit score: 640-659 (Nov-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $14,201 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: vgees23 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
Paying off my Credit Cards
Purpose of loan:
This loan will be used to pay off all my high interest credit cards.? I have finally decided to take the first step and get out of credit card debt.? I have never missed a payment or had a late payment on my credit cards.? But I have not had the resources to pay them down.? I have always lived within my means.? Most of my credit card balances accrued from paying past medical and auto bills.?

My financial situation:
I am a good candidate for this loan because I have always paid any loan I have ever taken.? I was recently married and am using this loan to pay off debts to start my marriage off on solid ground.

Monthly net income: $ 2200 ????

Monthly expenses: $ 1200
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/10/2009 4:44:43 PM
foothillender$25.00$25.0011/11/2009 7:52:25 AM
reflective-rupee$80.00$80.0011/10/2009 7:35:33 PM
SeaSkyGuy71$25.00$25.0011/10/2009 10:06:24 PM
reflective-rupee$250.00$250.0011/11/2009 12:21:50 PM
mespeedy36$25.00$25.0011/12/2009 8:32:37 AM
reflective-rupee$200.00$200.0011/13/2009 8:53:29 PM
hellasow$25.00$25.0011/14/2009 12:18:39 PM
well-mannered-income3$25.00$25.0011/14/2009 8:01:39 PM
DasMula$250.00$250.0011/15/2009 5:20:46 PM
well-mannered-income3$40.00$40.0011/16/2009 5:30:08 AM
reflective-rupee$300.00$300.0011/16/2009 2:17:21 AM
reflective-rupee$500.00$378.2911/16/2009 1:46:10 PM
reflective-rupee$25.00$25.0011/16/2009 7:42:33 PM
RobinHood$50.00$50.0011/16/2009 9:47:27 PM
a-reasonable-return$25.00$25.0011/17/2009 6:43:41 AM
ideal-value$100.00$100.0011/17/2009 1:13:55 AM
lendme2$50.00$50.0011/17/2009 5:42:23 AM
balance-warrior$25.00$25.0011/17/2009 8:19:40 AM
penny-surgeon$25.00$25.0011/17/2009 8:58:39 AM
Astyanax$25.00$25.0011/17/2009 10:26:47 AM
reflective-rupee$100.00$100.0011/16/2009 7:41:58 PM
investment-visionary$25.00$25.0011/17/2009 9:51:18 AM
TakeCare$200.00$200.0011/16/2009 9:00:59 PM
payout-reaction740$25.00$25.0011/16/2009 9:04:37 PM
leverage-monger$25.00$25.0011/17/2009 12:04:15 PM
bestloanrate$50.00$50.0011/17/2009 6:05:26 AM
jybank$25.00$25.0011/17/2009 2:18:48 PM
bitano$50.00$50.0011/17/2009 9:51:31 AM
Taho$42.05$42.0511/17/2009 9:55:20 AM
JustMee$25.00$25.0011/17/2009 12:27:36 PM
just-trade0$36.00$36.0011/17/2009 1:21:16 PM
durability-colonel$50.00$50.0011/17/2009 1:25:20 PM
Engineer44$30.00$30.0011/17/2009 4:13:49 PM
reflective-rupee$50.00$50.0011/10/2009 4:57:02 PM
well-mannered-income3$25.00$25.0011/10/2009 10:01:37 PM
reflective-rupee$250.00$250.0011/11/2009 8:06:29 PM
well-mannered-income3$25.00$25.0011/13/2009 1:12:30 PM
reflective-rupee$250.00$250.0011/13/2009 9:53:54 PM
TakeCare$100.00$100.0011/13/2009 10:44:56 PM
enthusiastic-balance5$155.19$155.1911/14/2009 10:36:37 AM
TakeCare$100.00$100.0011/14/2009 3:23:27 PM
SFBank$200.00$200.0011/15/2009 6:58:02 PM
reflective-rupee$100.00$100.0011/15/2009 6:45:28 PM
Miklot$58.66$58.6611/16/2009 4:46:39 PM
lender12345$25.00$25.0011/16/2009 5:26:55 PM
sturdy-peace9$50.00$50.0011/16/2009 9:39:32 PM
investment-cluster$25.00$25.0011/17/2009 2:09:13 AM
enthusiastic-balance5$100.00$100.0011/17/2009 5:49:31 AM
sorace$50.00$50.0011/17/2009 6:36:11 AM
dorypro$25.00$25.0011/17/2009 6:50:11 AM
well-mannered-income3$50.00$50.0011/16/2009 5:22:08 PM
quickstep$100.00$100.0011/17/2009 3:26:18 AM
icess285$25.00$25.0011/17/2009 7:25:08 AM
moola-berserker$41.02$41.0211/16/2009 6:21:39 PM
leverage-monger$25.00$25.0011/17/2009 9:48:41 AM
bankbuddy55$25.00$25.0011/16/2009 8:09:42 PM
Happyhourcomics$25.00$25.0011/17/2009 11:07:02 AM
DasMula$150.00$150.0011/17/2009 6:12:11 AM
umfan123$25.00$25.0011/17/2009 6:48:49 AM
kindness-jedi$126.99$126.9911/17/2009 3:17:51 PM
SuperDoucheBag$25.00$25.0011/17/2009 2:32:39 PM
PotBellyPete$36.80$36.8011/17/2009 12:47:37 PM
fireferd$100.00$100.0011/17/2009 2:07:01 PM
64 bids
 
Borrower Payment Dependent Notes Series 432554
This series of Notes was issued and sold upon the funding of the borrower loan #39544, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $77.42
Final lender yield: 12.45% Final borrower rate/APR: 13.45% / 15.60% Final monthly payment: $67.82
 
Auction yield range: 6.29% - 22.00% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
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: Sep-1996 Debt/Income ratio: 2%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 2Length of status:5y 8m
Amount delinquent: $0 Revolving credit balance: $180 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 18%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: momentous-liberty 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
Limited credit but have great FICO
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
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 monthly take home pay and detailed list of current monthly expenses. Also please describe your proposed home improvement. - exciting-fairness
A: Thank you for considering my loan request. I can assure you I am a man of high moral character and will not let you down. I plan on purchasing new appliances with the money. From washer/dryer to stove/refrigerator. My monthly take home pay from Sentry Insurance is $4583.00 My expenses are: Electric $54, Gas $48, Rent $350(family member), Phone $78, Cable & Internet $55, Total expense $695. Please feel free to contact me with any further questions. Thank you again. (Nov-10-2009)
Q: Your info shows that you have nearly $4000 per month of extra cash. So why do you need to borrow $2000 instead of just buying your appliances with your extra cash flow? - exciting-fairness
A: I know it looks that way, and it is, but I'm saving to purchase a house and am uncomfortable going backwards with my savings (the things I plan on purchasing will be coming with me). I thought I'd see if i could obtain a loan and pay monthly payments rather than one lump sum out of my house savings account. This may sound ridiculous, paying interest and all, but I'm a conservative guy and don't feel comfortable stepping outside my comfort zone. Thank you for the consideration. (Nov-10-2009)
Q: Can you give us any kind of idea how this loan will be used? - mrbalboa
A: I apologize for not getting back to you yesterday. I am going to be buying appliances..washer/dryer - stover/refrigerator. I rent right now, but am saving to buy a house. The appliances will come with me when I achieve that goal. I thank you very much for your consideration and assure you I am a man of high character and integrity. Thank you again. (Nov-13-2009)
Q: Could you detail your income and expenditures? - explorer925
A: I apologize for not getting back to you yesterday and I would like to thank you for considering me for this loan. I gross $4583 from Sentry Insurance. Electricity $54-Gas $48-Rent $1100-Phone $78-Cable/Internet $55-Insurance $110. I am saving to buy a house and put almost all of my extra money into my house fund. I can afford monthly payments for this loan very comfortably. Thank you again for the consideration. (Nov-13-2009)
Q: During three days of answering lender questions, your stated rent nearly tripled (was $350; now it's suddenly $1100). Please explain. - BeeHive
A: My current rent is $350, however i am talking with a loan officer to purchase a house and have a realtor doing the contract for me. My mortgage payment is going to be $1100 with taxes included. I thought it was only fair and honest that i reflect my debts as they are 100% going to be. I don't want to mislead anybody. If you have any further questions for me please don't hesitate to ask. Have a good day. (Nov-15-2009)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
orbiter614$50.00$50.0011/9/2009 5:34:49 PM
GeoLender$25.00$25.0011/9/2009 5:53:45 PM
Montgomery-Burns$25.00$25.0011/9/2009 5:34:19 PM
GeoLender$25.00$25.0011/9/2009 5:54:05 PM
WILender2$50.00$50.0011/9/2009 6:28:42 PM
the-profit-oracle$25.00$25.0011/10/2009 9:06:15 AM
mosby$50.00$50.0011/10/2009 7:56:53 PM
ChristopherHS$25.00$25.0011/12/2009 3:39:37 PM
Streamfeeder$50.00$50.0011/13/2009 9:39:02 AM
marwadi-62$100.00$100.0011/13/2009 12:05:52 PM
Firescreek$25.00$25.0011/13/2009 2:26:28 PM
Earn_money$26.02$26.0211/13/2009 6:04:35 PM
Feyenoord$25.00$25.0011/14/2009 1:25:45 PM
gothampark$25.00$25.0011/14/2009 3:06:46 PM
BeeHive$25.00$25.0011/15/2009 2:59:09 PM
diversification-blueberry$25.00$25.0011/15/2009 5:57:26 PM
carrinel$100.00$100.0011/16/2009 9:47:55 AM
nethosters$25.00$25.0011/16/2009 12:47:26 PM
jybank$25.00$25.0011/16/2009 3:32:49 PM
wild-orange$500.00$500.0011/16/2009 4:11:26 PM
icon7$50.00$50.0011/16/2009 4:16:05 PM
kinetic-social$25.00$25.0011/16/2009 4:17:40 PM
Snoopylover$25.00$25.0011/16/2009 12:20:34 PM
efficient-bid2$200.00$200.0011/16/2009 4:17:09 PM
DaveTheWave$26.60$26.6011/16/2009 4:18:13 PM
aurorafinancial$30.00$30.0011/9/2009 5:22:28 PM
BenR$100.00$12.3811/13/2009 7:10:21 AM
PalmerTheEmbalmer$30.00$30.0011/13/2009 3:20:02 PM
GoGators01$25.00$25.0011/13/2009 2:06:38 PM
building_community$25.00$25.0011/14/2009 6:32:36 PM
payontime1$50.00$50.0011/14/2009 9:50:29 PM
glider2$25.00$25.0011/15/2009 8:53:01 PM
exciting-fairness$150.00$150.0011/16/2009 4:16:22 PM
p2p-gala$50.00$50.0011/16/2009 4:17:07 PM
TakeCare$25.00$25.0011/16/2009 4:17:34 PM
jslo722$25.00$25.0011/16/2009 1:04:53 PM
36 bids
 
Borrower Payment Dependent Notes Series 432626
This series of Notes was issued and sold upon the funding of the borrower loan #39553, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Nov-10-2009 
  Auction end date:  Nov-17-2009 
 
Starting lender yield: 26.04% Starting borrower rate/APR: 27.04% / 29.37% Starting monthly payment: $142.96
Final lender yield: 26.04% Final borrower rate/APR: 27.04% / 29.38% Final monthly payment: $142.96
 
Auction yield range: 8.29% - 26.04% Estimated loss impact: 8.62%  
Lender servicing fee: 1.00% Estimated return: 17.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Apr-1976 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2009) Current / open credit lines: 19 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:32y 8m
Amount delinquent: $0 Revolving credit balance: $40,018 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: brilliant-p2p 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
Computer Software Needed for Degree
Purpose of loan:
Allow my wife to finish a degree in computer graphics and animation.? To do this she MUST change to a Mac computer and required software.? We have a state program that will pay all other costs, but this computer equipment is making it difficult to improve our lot.

My financial situation:
I am a good candidate for this loan because? I have a long term full time job as a Designing Engineer (over 33 years there!)? Income is as stated, but I also run a small business that I did not include in my stated income, it generates from 10 to 20 K per year and seems to be growing.? I have always been on time with my payments.? Home is fully paid off, as are the wife and my cars.? We live a quite simple life and can easily fit this payment in our budget,? The reason we are not paying CASH for the equipment is long term unemployment by my wife has reduced our savings drastically and we do not want to go below a safety net of two months pay (we are a tad below right now:(? This loan will change our lives, thanks for considering us.

Monthly net income: $ 4500 take home from both Engineering and small business, 3300 take home on w-2

Monthly expenses: $
??Housing: $ 500 (taxes and insurance) loan paid off
??Insurance: $ 95 (health through employer)
??Car expenses: $ 150 (fuel plus insurance)
??Utilities: $ 315
??Phone, cable, internet: $ 200
??Food, entertainment: $ 250
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 1450
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Given that your monthly income appears to be over $1500 greater than your expenses, why do you need this loan for more than a few months? thanks - reflective-rupee
A: I need the money soon: computer equipment is required by no later than mid-Dec. Mid Jan. taxes due for the business and on a rental property, we own. Have ancient & ill dog. By the time I pay those expenses, our emergency fund will be small. Sm. Bus. is seasonal, down in summer. I would prefer to not be stretching my budget so tight in these economic times. The good news for you the lender, we do have a cushion and have not had a late payment on anything in years. (Nov-13-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Borrow2Grow$51.00$51.0011/10/2009 4:35:01 PM
SeaSkyGuy71$25.00$25.0011/10/2009 9:54:44 PM
tracyjo$25.00$25.0011/10/2009 6:05:46 PM
TakeCare$100.00$100.0011/14/2009 3:20:36 PM
enthusiastic-balance5$300.00$300.0011/14/2009 10:34:46 AM
well-mannered-income3$40.00$40.0011/14/2009 8:04:35 PM
reflective-rupee$35.00$35.0011/15/2009 6:44:50 PM
SFBank$200.00$200.0011/15/2009 6:59:59 PM
payout-reaction740$25.00$25.0011/16/2009 1:00:01 PM
shrewd-income$100.00$100.0011/16/2009 8:41:52 PM
justanothersushieater$25.00$25.0011/16/2009 9:00:58 PM
bestloanrate$50.00$50.0011/17/2009 6:06:57 AM
sturdy-peace9$50.00$50.0011/16/2009 9:37:49 PM
lendme2$50.00$50.0011/17/2009 5:38:42 AM
a-reasonable-return$25.00$25.0011/17/2009 6:31:34 AM
penny-surgeon$25.00$25.0011/17/2009 9:21:24 AM
reflective-rupee$100.00$100.0011/16/2009 7:40:42 PM
income-rocker2$250.00$250.0011/17/2009 9:42:26 AM
TakeCare$100.00$100.0011/16/2009 8:57:59 PM
just-trade0$36.00$36.0011/17/2009 1:25:13 PM
porwestco$25.00$25.0011/17/2009 6:35:17 AM
durability-colonel$50.00$50.0011/17/2009 1:27:07 PM
umfan123$25.00$25.0011/17/2009 6:51:21 AM
Johnab$55.00$55.0011/17/2009 6:58:28 AM
fireferd$150.00$150.0011/17/2009 7:40:01 AM
money_player$100.00$100.0011/17/2009 9:01:18 AM
maga$130.00$130.0011/17/2009 2:26:09 PM
reflective-rupee$25.00$25.0011/10/2009 4:56:50 PM
reflective-rupee$50.00$50.0011/10/2009 4:57:03 PM
reflective-rupee$108.00$16.8311/11/2009 12:22:54 PM
BradP$50.00$50.0011/11/2009 2:33:05 PM
hkme$50.00$50.0011/12/2009 4:52:14 PM
investment-cluster$25.00$25.0011/14/2009 3:10:09 PM
well-mannered-income3$25.00$25.0011/16/2009 5:26:25 AM
building_community$50.00$50.0011/16/2009 4:30:09 PM
well-mannered-income3$50.00$50.0011/16/2009 5:19:32 PM
reflective-rupee$175.00$175.0011/16/2009 7:41:14 PM
1traveler$25.00$25.0011/16/2009 10:20:25 PM
RobinHood$50.00$50.0011/16/2009 9:50:27 PM
kfi805$120.00$120.0011/17/2009 7:12:01 AM
investment-cluster$50.00$50.0011/17/2009 2:14:14 AM
lender12345$50.00$50.0011/16/2009 5:24:28 PM
vivacious-p2p3$25.00$25.0011/17/2009 10:27:14 AM
shrewd-income$150.00$150.0011/17/2009 1:02:57 PM
Bill88$30.00$30.0011/17/2009 1:11:32 PM
BAEVentures$25.00$25.0011/17/2009 7:10:14 AM
Eloise62$75.00$75.0011/17/2009 7:36:30 AM
guardian3$30.00$30.0011/17/2009 1:45:18 PM
jybank$25.00$25.0011/17/2009 2:20:05 PM
bitano$31.17$31.1711/17/2009 9:53:21 AM
Taho$50.00$50.0011/17/2009 9:54:43 AM
branaa99$25.00$25.0011/17/2009 10:55:38 AM
favorite-commerce$25.00$25.0011/17/2009 2:00:12 PM
kindness-jedi$50.00$50.0011/17/2009 2:20:08 PM
54 bids
 
Borrower Payment Dependent Notes Series 432752
This series of Notes was issued and sold upon the funding of the borrower loan #39550, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,100.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-10-2009 
  Auction end date:  Nov-17-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.76% Starting monthly payment: $49.76
Final lender yield: 33.00% Final borrower rate/APR: 34.00% / 37.74% Final monthly payment: $49.14
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 19.95%  
Lender servicing fee: 1.00% Estimated return: 13.05%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: May-2001 Debt/Income ratio: 48%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46Length of status:8y 3m
Amount delinquent: $0 Revolving credit balance: $8,886 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: mastadk Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for college
Purpose of loan:
This loan will be used to? Pay for college.

My financial situation:
I am a good candidate for this loan because? I have the funds to pay back.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $?600
??Insurance: $ 80
??Car expenses: $?250
??Utilities: $ 60
??Phone, cable, internet: $ 50
??Food, entertainment: $ 120
??Clothing, household expenses $ 30
??Credit cards and other loans: $?100
??Other expenses: $ 20
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your listing indicates you are a Full Time Employee and your occupation as Student. Do you work as well as attend school? What is your job? Thanks and good luck! - bankbuddy55
A: Yes, I work full-time and go to school full-time. I am a check serviceability rep at a cable, internet, and phone provider. The companies name is WOW! Cable. I have been with them over eight years. (Nov-14-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
unk1911$25.00$25.0011/11/2009 3:23:02 PM
TakeCare$50.00$50.0011/13/2009 9:43:47 PM
enthusiastic-balance5$25.00$25.0011/14/2009 10:39:47 AM
well-mannered-income3$25.00$25.0011/14/2009 5:35:59 PM
DasMula$250.00$228.0911/15/2009 5:27:26 PM
transaction-animal8$25.00$25.0011/16/2009 5:04:07 PM
glenium$25.00$25.0011/17/2009 3:33:26 AM
pacifictaxman$100.00$100.0011/17/2009 10:56:20 AM
TakeCare$100.00$100.0011/17/2009 2:52:22 PM
SNH$50.00$50.0011/10/2009 4:43:41 PM
bankbuddy55$50.00$50.0011/15/2009 6:50:00 AM
kinetic-social$25.00$25.0011/16/2009 4:47:22 PM
sparkling-funds$25.00$25.0011/16/2009 7:20:21 PM
bizguy1982$25.00$25.0011/16/2009 7:23:11 PM
scamps$50.00$50.0011/16/2009 9:32:23 PM
bonneville83$25.00$25.0011/17/2009 8:32:53 AM
investment-visionary$50.00$50.0011/17/2009 10:07:02 AM
reflective-rupee$25.00$25.0011/17/2009 11:01:44 AM
RecoveryLender$25.00$25.0011/17/2009 12:40:21 PM
durability-colonel$50.00$50.0011/17/2009 1:31:07 PM
vivacious-p2p3$25.00$25.0011/17/2009 10:34:57 AM
Engineer44$30.00$30.0011/17/2009 4:15:15 PM
GS-ROCK$41.91$41.9111/17/2009 3:12:45 PM
23 bids
 
Borrower Payment Dependent Notes Series 432974
This series of Notes was issued and sold upon the funding of the borrower loan #39569, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.78% Starting monthly payment: $37.16
Final lender yield: 18.88% Final borrower rate/APR: 19.88% / 23.66% Final monthly payment: $37.10
 
Auction yield range: 17.29% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Apr-2002 Debt/Income ratio: 2%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 6Length of status:1y 11m
Amount delinquent: $477 Revolving credit balance: $140 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 46%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 2    
Screen name: scorpioRWH Borrower's state: Oregon Borrower's group: PsychDoc's 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 historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 30 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
500-519 (Sep-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
Debt Consolidation
I'm looking for a loan to pay off a few small debts.? I'm working on reestablishing my credit, and this loan would certainly help.? I have a very low income to debt ratio, and can easily afford the payments.

Now, a little bit?about myself.? I'm 32, married, and have three kids: an eight-year-old son, and seven-year-old twins (a boy and a girl).? I was raised in Montana, and moved here to Oregon about eleven years ago.? Someday, I hope to move back to Montana.? I enjoy football, music, and spending time with my family.? If you invest in this loan, you won't be sorry.? I'm committed to achieving a good credit score, so I can give my family a financially secure furture.? Thank you for your consideration!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please comment on your current dq. - MsTabbyKats
A: I'm not sure I understand your question. What do you mean by "current dq"? (Nov-15-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SNH$50.00$50.0011/12/2009 4:22:41 PM
marala4285$25.00$25.0011/15/2009 6:25:57 AM
3am-preacher$25.00$25.0011/15/2009 10:02:00 AM
marwadi-62$50.00$50.0011/17/2009 1:42:06 PM
fireman4$30.00$30.0011/18/2009 5:49:14 AM
TakeCare$50.00$50.0011/18/2009 10:49:45 PM
boodo$359.19$357.0211/14/2009 7:04:22 AM
MsTabbyKats$25.00$25.0011/16/2009 8:22:10 AM
mistifilio$25.00$25.0011/17/2009 7:57:43 AM
Aberdeen$100.00$100.0011/17/2009 4:23:54 PM
money_player$112.98$112.9811/17/2009 4:55:22 PM
Kash2010lu$25.00$25.0011/18/2009 6:51:27 AM
Astyanax$25.00$25.0011/18/2009 10:28:10 AM
portfolio-turbine$25.00$25.0011/17/2009 7:17:00 PM
MoneyForNothing$25.00$25.0011/19/2009 6:34:46 AM
kinetic-social$25.00$25.0011/18/2009 4:20:58 PM
prudent-gain7$25.00$25.0011/19/2009 8:54:55 AM
17 bids
 
Borrower Payment Dependent Notes Series 433040
This series of Notes was issued and sold upon the funding of the borrower loan #39566, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $86.66
Final lender yield: 9.99% Final borrower rate/APR: 10.99% / 13.11% Final monthly payment: $81.83
 
Auction yield range: 4.29% - 14.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Jul-1991 Debt/Income ratio: 2%
Credit score: 720-739 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:5y 0m
Amount delinquent: $0 Revolving credit balance: $10,559 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 27%Stated income:$100,000+
Delinquencies in last 7y: 5 Homeownership: No  
Inquiries last 6m: 1    
Screen name: glc527 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,400.00< mo. late: 0 ( 0% )  
700-719 (Apr-2007)
680-699 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 9  
Description
Buliding Credit Score to buy a home
I want to improve my credit score which is between 720-740 right now.???I plan to buy a home?in about 2 years.but have very little debt?currently so I need to borrow and make timely payments to improve my score.? Most of my income right now goes into savings (for my house)?and monthly expenses.? I had a prosper loan about 2 years ago which I paid on time every month and helped me to improve my credit score by almost 20 points.

My financial situation: I have?very little?debt and make a high income.? I work for a very strong company and have been there for over 5 years.

I submitted a prosper loan about 3 weeks ago but did not get the full amount requested so the loan was not granted. I was not aware of that as a possible outcome and thought my loan would be given at the total of the bid amount at the conclusion of the loan period. Lessoned learned. I lowered my total request amount from $5000 to $2500 and I am raising the starting rate. The amount of the loan is not important but it needs to be enough to impact my credit rating.

I am going to answer a couple of questions that were asked toward the end of the loan bidding time that I did not get a chance to answer.

Of the $10,000 to $11,000 in current credit balance only $4,000 of that is mine. The other $6,000+ is on a card that is owned by my mother. I have signature power on my mothers card but I am not an owner of that account. Not sure why this Credit Card comes up on my credit report but my mom makes her payments on time so it does not have a negative impact on my credit rating.

On the items that were shown as past delinquent and the public record is from 2001-2002. I lost my job after 9/11 in NYC. I tried to start my own business but ran into a difficult time collecting from my clients on a timely basis. I used a debit consolidation service (big mistake, never do it) and on their recommendation I did not pay my debts for several months. They told me I could not use their service unless I took this step. Before that time and since then I have never missed or been late on a payment. I have since been a party of a Class Action suit against this company that was won ( I got got about $700.00). After that experience I have limited my spending using debt and make a really nice income that lets me afford my life without any real debt. However now that I am planning on buying a home the lack of debt is an issue which I am trying to solve by getting this loan.

Thank You
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
a-shiny-dime$25.00$25.0011/12/2009 10:40:17 AM
Unitas4302$100.00$100.0011/13/2009 3:48:58 AM
Syzygy$25.00$25.0011/13/2009 11:27:59 AM
springpanda$50.00$50.0011/13/2009 11:22:50 PM
rpd1211$25.00$25.0011/16/2009 5:54:03 PM
thegreatstrafe$25.00$25.0011/17/2009 4:00:42 PM
brightest-economy-tsunami$25.00$25.0011/18/2009 6:46:20 AM
Astyanax$25.00$25.0011/18/2009 11:00:49 AM
GeoLender$25.00$25.0011/17/2009 7:39:27 PM
Dollars4Rent$25.00$25.0011/18/2009 1:01:20 PM
jybank$50.00$50.0011/18/2009 2:42:05 PM
authoritative-social$25.00$25.0011/18/2009 7:41:45 PM
OregonDane$25.00$25.0011/18/2009 9:04:30 PM
velocity-winner$25.00$25.0011/18/2009 9:38:04 PM
steady-peace8$125.00$125.0011/19/2009 1:42:13 AM
TakeCare$100.00$100.0011/19/2009 6:29:22 AM
sam2009$25.00$25.0011/19/2009 6:42:01 AM
dbanwart$100.00$100.0011/19/2009 7:35:11 AM
amlu1988$25.00$25.0011/19/2009 8:24:32 AM
BankofBeth$25.00$25.0011/18/2009 10:44:36 PM
wild-orange$500.00$500.0011/19/2009 1:44:58 AM
tigercornboy$50.00$50.0011/19/2009 7:35:38 AM
Streamfeeder$50.00$50.0011/19/2009 9:34:56 AM
wwwUniversal$25.00$25.0011/16/2009 10:55:54 AM
blue-courageous-justice$25.00$25.0011/16/2009 4:15:31 AM
randsenterprise$25.00$25.0011/16/2009 8:56:29 PM
asset-numero-uno$100.00$100.0011/17/2009 4:31:32 PM
jtoms101$200.00$200.0011/18/2009 10:27:26 AM
Robbdogg$27.28$27.2811/18/2009 10:38:26 AM
Astyanax$25.00$25.0011/18/2009 11:00:33 AM
dudebrah$25.00$25.0011/18/2009 2:32:41 PM
ThomasTrain$25.00$25.0011/18/2009 3:58:45 AM
betheanswer$50.00$50.0011/18/2009 3:40:42 PM
Astyanax$25.00$25.0011/18/2009 11:00:02 AM
basejump0$25.00$25.0011/18/2009 11:34:38 AM
oldman68$25.00$25.0011/18/2009 3:31:34 PM
hidavehi$62.00$12.7211/18/2009 5:32:50 PM
five-star-listing$25.00$25.0011/18/2009 9:40:28 PM
1SteelerFan$35.00$35.0011/18/2009 11:27:34 PM
MoneyForNothing$25.00$25.0011/19/2009 6:36:59 AM
pietro_torna_indietro$100.00$100.0011/19/2009 6:37:33 AM
leverage-monger$100.00$100.0011/19/2009 7:23:36 AM
currency-agave$25.00$25.0011/19/2009 8:00:22 AM
martymaniaman$25.00$25.0011/19/2009 7:41:37 AM
khamlagirl$25.00$25.0011/19/2009 8:08:19 AM
Leshan$50.00$50.0011/19/2009 9:02:40 AM
46 bids
 
Borrower Payment Dependent Notes Series 433166
This series of Notes was issued and sold upon the funding of the borrower loan #39575, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 14.06% Starting borrower rate/APR: 15.06% / 15.42% Starting monthly payment: $52.04
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $47.00
 
Auction yield range: 3.29% - 14.06% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: May-1987 Debt/Income ratio: 29%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 44Length of status:15y 7m
Amount delinquent: $0 Revolving credit balance: $77,425 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 67%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: jonric777 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
no more credit cards
Purpose of loan:
This loan will be used to?
pay down credit perdiod...
My financial situation:
I am a good candidate for this loan because?
i have loaned out money on prosper, and want to experience the loan side of this.??
i know how important to pay back this loan is being a lender.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: If you are a lender on prosper, what is the source of your larger revolving credit balance? And what specifically do you intend to do with this money? - ptjg
A: credit cards and a second mortgage. specifially i will chip down on the smallest card and go to work on the next in line in the debt. this is just a small piece in a 3 year strategy. (Nov-18-2009)
Q: Please provide your take home pay and list of current monthly expenses. - exciting-fairness
A: 6k mo take home exp 2 k in credit card debt 1.5 k mortgage 2 k discretionary income the goal to get rid of all cc debt and have 2 k for better living. thank you. (Nov-18-2009)
Q: $77,425 is all credit cards? - longisland47m
A: cc cards and a second. (Nov-18-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jybank$25.00$25.0011/12/2009 6:54:52 PM
PotBellyPete$25.00$25.0011/13/2009 1:24:22 PM
junes08$38.97$38.9711/13/2009 4:35:15 PM
dollarboy$25.00$25.0011/14/2009 3:43:27 AM
hellasow$30.00$30.0011/14/2009 11:35:16 AM
wwwUniversal$25.00$25.0011/15/2009 7:10:51 PM
greenback-floret$50.00$50.0011/17/2009 4:24:54 PM
wild-orange$200.00$58.2811/19/2009 1:43:26 AM
Dollars4Rent$25.00$25.0011/19/2009 11:28:39 AM
Aubrei$25.00$25.0011/19/2009 1:26:18 PM
Dollars4Rent$25.00$25.0011/19/2009 1:43:43 PM
TakeCare$200.00$200.0011/19/2009 4:43:58 PM
authoritative-social$25.00$25.0011/19/2009 4:51:41 PM
JerryB96$25.00$25.0011/19/2009 6:34:19 PM
Guiren$100.00$100.0011/13/2009 4:26:22 PM
vinayski$25.00$25.0011/13/2009 4:49:07 PM
Figure4$25.00$25.0011/14/2009 8:16:38 AM
FundMaker$25.00$25.0011/15/2009 9:08:01 AM
speedy-dime$25.00$25.0011/16/2009 4:28:17 PM
HappyToLoan$30.00$30.0011/16/2009 7:18:51 PM
thegreatstrafe$25.00$25.0011/17/2009 4:02:50 PM
outofoffice$60.00$60.0011/17/2009 8:50:43 PM
rmachi$25.00$25.0011/18/2009 1:42:56 PM
jtoms101$200.00$200.0011/18/2009 11:01:15 AM
Approved$50.00$50.0011/19/2009 10:20:17 AM
serene-capital$25.00$25.0011/19/2009 4:43:53 PM
beeslow$50.00$50.0011/19/2009 5:03:33 PM
MoneyTree79$32.75$32.7511/19/2009 2:06:57 PM
hptcrabbers$25.00$25.0011/19/2009 2:56:44 PM
bornsucka$25.00$25.0011/19/2009 3:25:17 PM
jmeww008$25.00$25.0011/19/2009 4:52:07 PM
diligent-moola9$25.00$25.0011/19/2009 6:02:18 PM
People-for-people$50.00$50.0011/19/2009 6:09:44 PM
amor1962$25.00$25.0011/19/2009 6:22:50 PM
division177$25.00$25.0011/19/2009 6:37:48 PM
35 bids
 
Borrower Payment Dependent Notes Series 433246
This series of Notes was issued and sold upon the funding of the borrower loan #39576, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.17% Starting monthly payment: $58.81
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.17% Final monthly payment: $58.81
 
Auction yield range: 17.29% - 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: May-1986 Debt/Income ratio: 57%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 9 / 9Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 20Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $7,583 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$1-$24,999
Delinquencies in last 7y: 10 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: greeneyedlady613 Borrower's state: Texas Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
660-679 (Oct-2009)
640-659 (Sep-2009)
560-579 (Aug-2007)
600-619 (Jul-2007)
 
Principal balance: $1,382.98 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Grandma Got Runover by a Reindeer
I am a below knee amputee and need a new artificial leg, it no longer fits properly.? The cost to me will be $1595.00.? I need this loan to pay for my share of the $8000.00 bill.? They won't take payments.

I am a step-mother of 7 (all grown), 24 grandchildren, and?10 great grandchildren.??I was disabled in 1989, but have always managed to pay my debts.? I went back to work in 2006, only to be back on disability within 6 months..? I am currently?working part-time.

Up until 2003, my credit was excellent.? My husband and I separated for several months, and with limited funs from disability; I was soon "buried" financially.? I?paid off all of?my old debts over?five years.??(ALL my?debts are CURRENT, despite the low FICA score.) I have NO delinquent accounts. ?I am working on getting my credit?report cleaned up but it takes time.??I receive Social Security plus money from my part-time job. ?My husband lost his job in 2008, but was able to find a lower paying job, but?we had to move to accomodate his new job and that set us back a bit.?He pays the mortgage, utilities, insurance and some of the?household necessities.? I pay for my car,?my bills, and some of the household bills.?

I have always been current on my existing Prosper loan.?I thank the group that funded my first loan and hope that they can see their way to do so again. I thank you for taking the time to consider this loan.? If you have any questions, please do not hesitate to contact me.? Thank you.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SNH$50.00$50.0011/13/2009 5:14:16 PM
MoneyForNothing$25.00$25.0011/13/2009 6:14:00 PM
unk1911$25.00$25.0011/16/2009 5:06:15 PM
periko$50.00$50.0011/16/2009 10:21:22 PM
fallentimbers$25.00$25.0011/17/2009 3:30:12 PM
reliable-vigilance$50.00$50.0011/19/2009 8:58:32 AM
DasMula$108.99$108.9911/19/2009 7:01:59 PM
invincible-gain$55.00$55.0011/19/2009 9:36:31 PM
Aberdeen$300.00$300.0011/19/2009 6:50:25 PM
well-mannered-income3$40.00$40.0011/19/2009 7:39:28 PM
sweety075$25.00$25.0011/14/2009 8:44:33 PM
EEasyMoney$25.00$25.0011/14/2009 11:15:28 AM
Tono$25.00$25.0011/18/2009 7:42:45 PM
TheAlchemist$50.00$50.0011/19/2009 12:08:23 PM
Kash2010lu$25.00$25.0011/19/2009 7:00:44 PM
DasMula$200.00$200.0011/19/2009 7:01:04 PM
Laxa$128.99$128.9911/19/2009 7:59:16 PM
VitaminFunk$25.00$25.0011/19/2009 9:03:21 PM
lender12345$50.00$42.0211/19/2009 9:43:24 PM
doctorgrab$25.00$25.0011/19/2009 7:43:27 PM
20 bids
 
Borrower Payment Dependent Notes Series 433274
This series of Notes was issued and sold upon the funding of the borrower loan #39580, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-15-2009 
 
Starting lender yield: 9.04% Starting borrower rate/APR: 10.04% / 10.38% Starting monthly payment: $161.43
Final lender yield: 8.50% Final borrower rate/APR: 9.50% / 9.84% Final monthly payment: $160.16
 
Auction yield range: 3.29% - 9.04% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Dec-1993 Debt/Income ratio: 8%
Credit score: 820-839 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:5y 4m
Amount delinquent: $0 Revolving credit balance: $601 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: rupee-raker Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for the holiday season
Purpose of loan:
This loan will be used to acquire gold & silver bullion for re-sale to retail customers.? The price of gold has skyrocketed to over $1100 per ounce, due mostly to the fear that the Federal Reserve is printing too many dollars.? As the value of the dollar tanks, Americans are looking for safe alternatives to store their savings.? Gold & silver have been stores of value and wealth for over 5,000 years.? After having been forgotten during the latter half of the 20th Century, gold & silver are once again emerging as the choice of conservative investors.

My financial situation:
I am a good candidate for this loan because I have years of experience in the equity and commodity markets.? I began buying stocks when I was 10 years old and continued trading to the present day.? I obtained a college degree in business with a concentration in accounting and finance, later followed by a law degree.? I have studied economics and am 100% sure that--due to the loose money policies of the Federal Reserve during this time of economic crisis--we will experience continuing problems with the U.S. dollar.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What will you do if gold prices soften in the next few months? Will you hold until you believe that prices rise again or sell the gold at a loss? - exciting-fairness
A: I will hold on to the bullion. I do not believe that the price of gold--even if it corrects--will stay below $1,100 for long. The Federal Reserve--and most overseas central banks--are printing money at an alarming rate. Moreover, India has all but placed a $1,045 per ounce floor on gold with its 200 ton purchase from the IMF. Finally, I am certain that China is seeking to diversify its reserves as well, and its gold reserves are currently underweight. (Nov-14-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
sidney102$25.00$25.0011/13/2009 4:52:25 PM
transparency-giant$50.00$50.0011/13/2009 4:52:55 PM
baroo$25.00$25.0011/13/2009 4:53:12 PM
TakeCare$100.00$100.0011/13/2009 4:55:47 PM
gizzywump$25.00$25.0011/13/2009 4:55:55 PM
MoneyU4IA$40.00$40.0011/13/2009 4:56:29 PM
syounker$25.00$25.0011/13/2009 4:56:36 PM
repayment-chef$25.00$25.0011/13/2009 4:56:41 PM
GOPHERBOY$65.00$65.0011/13/2009 4:56:47 PM
Cai8899$50.00$50.0011/13/2009 4:57:18 PM
cash-boots$30.00$30.0011/13/2009 4:59:05 PM
the_winning_ticket$35.00$35.0011/13/2009 4:59:28 PM
lend_to_you$25.00$25.0011/13/2009 4:59:15 PM
sharkm$25.00$25.0011/13/2009 4:59:49 PM
Patrician$100.00$100.0011/13/2009 5:00:05 PM
a-shiny-dime$25.00$25.0011/13/2009 4:53:15 PM
miked8303$25.00$25.0011/13/2009 4:55:51 PM
hard-working-loot$25.00$25.0011/13/2009 4:56:03 PM
zoomdrm57$50.00$50.0011/13/2009 4:56:07 PM
jd006006$50.00$50.0011/13/2009 4:56:16 PM
kanakakm$50.00$50.0011/13/2009 5:05:33 PM
a-responsible-return$25.00$25.0011/13/2009 5:05:37 PM
gracej$25.00$25.0011/13/2009 5:05:55 PM
neighborly-hope6$100.00$100.0011/13/2009 5:06:06 PM
CULPEPPERGROUP$25.00$25.0011/13/2009 5:06:14 PM
GElender$50.00$50.0011/13/2009 5:07:13 PM
SNH$50.00$50.0011/13/2009 5:07:22 PM
five-star-note$25.00$25.0011/13/2009 5:07:33 PM
saahilld$25.00$25.0011/13/2009 5:08:20 PM
burgeoning-silver$25.00$25.0011/13/2009 5:00:14 PM
Havana21$50.00$50.0011/13/2009 5:11:23 PM
the-money-gargantuan$25.00$25.0011/13/2009 5:11:33 PM
djh47a$40.00$40.0011/13/2009 5:13:22 PM
mikeandcat$50.00$50.0011/13/2009 5:13:38 PM
wise-cash-keeper$50.00$50.0011/13/2009 5:13:23 PM
Attract$25.00$25.0011/13/2009 5:05:30 PM
Mr_Marcus$50.00$50.0011/13/2009 5:13:28 PM
moola-rose8$25.00$25.0011/13/2009 5:13:46 PM
credit-coach118$35.00$35.0011/13/2009 5:13:52 PM
BlindProphet$25.00$25.0011/13/2009 5:05:52 PM
stable-money$25.00$25.0011/13/2009 5:14:08 PM
generosity-neutrino$25.00$25.0011/13/2009 5:19:44 PM
bid-promiser$25.00$25.0011/13/2009 5:20:14 PM
minista$25.00$25.0011/13/2009 5:21:19 PM
responsibility-butterfly$25.00$25.0011/13/2009 5:19:22 PM
scoobiedoo$25.00$25.0011/13/2009 5:20:15 PM
wise-spirited-nickel$25.00$25.0011/13/2009 5:23:26 PM
gentle-gold$25.00$25.0011/13/2009 5:53:50 PM
bondhedger$25.00$25.0011/13/2009 5:58:23 PM
djscal$59.18$59.1811/13/2009 5:53:50 PM
lean-velocity$25.00$25.0011/13/2009 7:04:02 PM
blot44$50.00$50.0011/13/2009 7:53:01 PM
Okinutah$25.00$25.0011/13/2009 7:04:01 PM
brightest-income-hunter$25.00$25.0011/13/2009 8:13:25 PM
Zarf$50.00$50.0011/13/2009 5:11:06 PM
Kravcorp$25.00$25.0011/13/2009 9:38:38 PM
springpanda$50.00$50.0011/13/2009 11:32:38 PM
dparkhom$25.00$25.0011/13/2009 5:19:27 PM
wormdc$25.00$25.0011/13/2009 5:19:55 PM
awwaww$25.00$25.0011/13/2009 5:43:43 PM
Flash80$75.00$75.0011/13/2009 7:04:05 PM
point-shooter$25.00$25.0011/13/2009 9:03:24 PM
agcereniv$44.38$44.3811/14/2009 1:11:34 PM
payontime1$50.00$50.0011/14/2009 9:55:25 PM
marwadi-62$150.00$150.0011/15/2009 7:48:46 AM
DonaldColorado$25.00$25.0011/13/2009 4:52:51 PM
wrighco$25.00$25.0011/13/2009 4:55:27 PM
kchen486$25.00$25.0011/13/2009 4:55:32 PM
lucrative-worth$25.00$25.0011/13/2009 4:55:36 PM
emo13$50.00$50.0011/13/2009 4:55:42 PM
antlr$25.00$25.0011/13/2009 4:55:59 PM
first-wampum-trapper$25.00$25.0011/13/2009 4:56:26 PM
loan-warrior$25.00$25.0011/13/2009 4:56:33 PM
Goodlender42$25.00$25.0011/13/2009 4:56:54 PM
Banker7371$25.00$25.0011/13/2009 4:57:01 PM
turbospeed$25.00$25.0011/13/2009 4:57:05 PM
sloak$25.00$25.0011/13/2009 4:57:24 PM
lloyd_s$25.00$25.0011/13/2009 4:57:26 PM
leodaguy$25.00$25.0011/13/2009 4:59:24 PM
WilliamLeeSims$25.00$25.0011/13/2009 5:00:20 PM
Mowine4me$25.00$25.0011/13/2009 5:00:36 PM
stock_speculator$25.00$25.0011/13/2009 4:51:06 PM
kenji4861$50.00$50.0011/13/2009 5:05:24 PM
slartibardfast$35.00$35.0011/13/2009 5:05:28 PM
Weaverville$25.00$25.0011/13/2009 5:05:45 PM
Walkingcowboy$25.00$25.0011/13/2009 5:05:56 PM
bchen78875$50.00$50.0011/13/2009 5:05:49 PM
dionysus03$25.00$25.0011/13/2009 5:06:01 PM
greenbackologist$25.00$25.0011/13/2009 5:06:26 PM
justice-dna$35.00$35.0011/13/2009 5:06:17 PM
thedoctor$25.00$25.0011/13/2009 5:06:32 PM
CASHGIRL$75.00$75.0011/13/2009 4:57:44 PM
iansays1$25.00$25.0011/13/2009 5:06:54 PM
payout-optimizer$25.00$25.0011/13/2009 5:07:05 PM
bonus-patriot$25.00$25.0011/13/2009 5:07:15 PM
Binan$25.00$25.0011/13/2009 5:07:43 PM
economy-balance$25.00$25.0011/13/2009 5:07:49 PM
People-for-people$50.00$50.0011/13/2009 5:08:23 PM
E_G$50.00$50.0011/13/2009 5:00:01 PM
payout-point$100.00$100.0011/13/2009 5:09:07 PM
tallmon$25.00$25.0011/13/2009 5:09:22 PM
evnagelist$25.00$25.0011/13/2009 5:11:02 PM
johannesfactotum$25.00$25.0011/13/2009 5:11:13 PM
newbietony$40.00$40.0011/13/2009 5:11:18 PM
brandilton$25.00$25.0011/13/2009 5:11:44 PM
tolstoy00$25.00$25.0011/13/2009 5:12:05 PM
AF-Chief$35.00$35.0011/13/2009 5:12:30 PM
jybank$25.00$25.0011/13/2009 5:13:39 PM
magical-greenback$55.00$55.0011/13/2009 5:13:16 PM
personal-lender$25.00$25.0011/13/2009 5:05:41 PM
rawman$25.00$25.0011/13/2009 5:19:25 PM
elegant-bonus$100.00$100.0011/13/2009 5:05:59 PM
anton$50.00$50.0011/13/2009 5:14:05 PM
trident9$50.00$50.0011/13/2009 5:06:04 PM
Speculator$25.00$25.0011/13/2009 5:14:17 PM
Divot$25.00$25.0011/13/2009 5:20:13 PM
rmachi$25.00$25.0011/13/2009 5:06:35 PM
iruz$100.00$100.0011/13/2009 5:21:17 PM
asset-caballero$25.00$25.0011/13/2009 5:19:57 PM
dr-dollar$25.00$25.0011/13/2009 5:53:48 PM
five-star-justice$36.00$36.0011/13/2009 5:07:41 PM
bdloans$32.65$32.6511/13/2009 5:58:25 PM
888168$50.00$50.0011/13/2009 5:09:18 PM
Google_Me$200.00$200.0011/13/2009 7:16:56 PM
someonenowhere$50.00$50.0011/13/2009 9:59:15 PM
katnmouse$25.00$25.0011/13/2009 5:19:23 PM
TrustPlus$50.00$50.0011/13/2009 5:19:48 PM
donmacprosper$25.00$25.0011/13/2009 7:04:02 PM
hellasow$30.00$30.0011/14/2009 11:46:14 AM
open-marketplace$25.00$2.7911/13/2009 10:19:48 PM
SCD$25.00$25.0011/14/2009 5:01:28 PM
truth-willow$25.00$25.0011/14/2009 4:25:43 PM
132 bids
 
Borrower Payment Dependent Notes Series 433854
This series of Notes was issued and sold upon the funding of the borrower loan #39541, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 33.00% Starting monthly payment: $41.91
Final lender yield: 28.00% Final borrower rate/APR: 29.00% / 33.00% Final monthly payment: $41.91
 
Auction yield range: 8.29% - 28.00% Estimated loss impact: 7.67%  
Lender servicing fee: 1.00% Estimated return: 20.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Sep-1996 Debt/Income ratio: 4%
Credit score: 780-799 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 22Length of status:14y 3m
Amount delinquent: $5,153 Revolving credit balance: $0 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: guzdog Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 80% ) 780-799 (Latest)
Principal borrowed: $5,000.00< mo. late: 3 ( 20% )  
680-699 (Jul-2008)
 
Principal balance: $3,197.83 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Paying for graduate school
Purpose of loan:
This loan will be used to?pay off remaining balance of wife's college books and tuition for the year.? She graduates in December; but financial aid and college loans did not cover the $1000 that we need.? We need to have this balance paid off by the end of November.

My financial situation:
I am a good candidate for this loan because...I have steady income.? We fell back on one credit card payment due to an oversight and are back on track to paying that credit card off.? We have managed to stay off credit cards due to Prosper helping us to consolidate our debt.??As as we look at the final semester, tuition has gone up and we need our Prosper family to help us once again!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tntmojave$25.00$25.0011/17/2009 5:10:25 PM
flyinhawaiian$50.00$50.0011/17/2009 5:10:18 PM
KMSB$25.00$25.0011/17/2009 5:14:31 PM
4mydaughterseducation$25.00$25.0011/17/2009 6:14:43 PM
impala6464$100.00$100.0011/17/2009 6:41:52 PM
movia12$50.00$50.0011/18/2009 2:57:00 PM
well-mannered-income3$25.00$25.0011/18/2009 5:12:13 AM
penny-surgeon$25.00$25.0011/18/2009 5:19:37 PM
return-grizzly$100.00$100.0011/18/2009 5:18:00 PM
IcedMochaFund$25.00$25.0011/18/2009 7:16:44 PM
donenzo$25.00$25.0011/19/2009 5:41:05 AM
Evolver$50.00$35.0011/19/2009 5:47:46 AM
robot777$40.00$40.0011/17/2009 5:14:45 PM
bdruss$25.00$25.0011/17/2009 5:20:26 PM
caseattle$25.00$25.0011/17/2009 5:21:04 PM
reflective-rupee$25.00$25.0011/17/2009 5:23:36 PM
five-star-note$25.00$25.0011/17/2009 5:10:41 PM
cbz$25.00$25.0011/17/2009 5:12:51 PM
efficient-principal$25.00$25.0011/17/2009 5:20:52 PM
Eloise62$75.00$75.0011/18/2009 7:19:29 AM
r1g3l$100.00$100.0011/18/2009 11:02:03 AM
tearingstar$25.00$25.0011/18/2009 4:26:38 PM
DJReflections$25.00$25.0011/18/2009 11:25:20 PM
EEasyMoney$25.00$25.0011/19/2009 5:45:35 AM
screen23$25.00$25.0011/19/2009 8:34:30 AM
festivecpl$25.00$25.0011/18/2009 7:38:40 PM
26 bids
 
Borrower Payment Dependent Notes Series 434238
This series of Notes was issued and sold upon the funding of the borrower loan #39574, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 31.29% Starting monthly payment: $49.64
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 22.12% Final monthly payment: $43.99
 
Auction yield range: 8.29% - 27.00% Estimated loss impact: 6.92%  
Lender servicing fee: 1.00% Estimated return: 11.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-2000 Debt/Income ratio: 38%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:2y 10m
Amount delinquent: $0 Revolving credit balance: $1,824 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 75%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Kristy0382 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
540-559 (Jul-2008)
 
Principal balance: $1,307.83 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Pay off Citifinancial Loan
Purpose of loan:
After receiving some very good advice on this site, I have decided to relist my loan?for a lower amount. I originally wanted to pay off my Prosper, Lendmark, and Citifinancial loans with a $4,500 loan but after?reading the advice of lenders here, I?realize that the best way to go about getting rid of all of my debt would be to pay off the Citifinancial one?now and continue paying the prosper and Lendmark ones as I have been (they only have 1.5 years left on them).??

So,
This loan will be used to pay off my Citifinancial loan which currently has a balance of $1,200 @ 34% interest. The current payment on this loan is $125/month.

My financial situation:
I am a good candidate for this loan because I have a steady income and have learned the hard way to always pay my bills on time. I made some stupid/immature mistakes with my credit in the past but have been steadily improving it since I graduated college (2005)....it is a loooong grueling process :) My credit has improved a lot since my last listing and I hope it continues to do so.

Monthly net income: $ 2000

Monthly expenses: $1325
??Housing: $0 (parents pay?this)
??Insurance: $75?
??Car expenses: $200
??Utilities: $150
??Phone, cable, internet: $100?
??Food, entertainment: $150
??Clothing, household expenses $100
??Credit cards and other loans: $400
??Other expenses: $150 (gas, groceries, etc)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
fiscal_family$25.00$25.0011/19/2009 1:36:07 PM
junes08$40.16$40.1611/19/2009 4:50:23 PM
marwadi-62$100.00$100.0011/19/2009 5:25:16 PM
noble-revenue$1,200.00$1,034.8411/19/2009 12:52:01 PM
4 bids
 
Borrower Payment Dependent Notes Series 397767
This series of Notes was issued and sold upon the funding of the borrower loan #39584, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 33.75% Final borrower rate/APR: 34.75% / 37.20% Final monthly payment: $112.74
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 20.99%  
Lender servicing fee: 1.00% Estimated return: 12.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1997 Debt/Income ratio: 35%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 21 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 58Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $17,130 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: jenni12kk Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 0 ( 0% ) 620-639 (Latest)
Principal borrowed: $1,000.00< mo. late: 1 ( 100% )  
600-619 (Aug-2008)
580-599 (Jul-2008)
640-659 (Apr-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 1  
Description
SECOND PROSPER LOAN
Purpose of loan:
This loan will be used to pay off two high?interest rate credit cards with Chase from my wedding?May 31,2009.
My financial situation:
I am a good candidate for this loan because I have never?been delinquent on any accounts ever.? I am also a very ethical person and I have a lot of sources of income.? I paid my first loan off with Prosper?in?less than two months and this loan I plan to?pay off in less than 3 months.? I will be paying off two Chase credit cards,one with a $2500 balance and the other with a $2800 balance, and?both with an interest rate of 29.99%.? My payments will automatically be deducted from my checking account.? I have been working a lot of overtime to try and get these accounts paid off and I would like to pay them off so that I can spend more time with my son while he is still young.? I also work for a?bank, so I am obviously a trustworthy person with money. ?I have paycheck stubs, social security statements, and cancelled checks from rental property income to document everything.?? Also I am willing to provide work numbers to verify employment. ?Thank you for your support and for taking the time to read this.? I will pay this off in 3 months.

Monthly net income:?$9780 total??????????????????????????????
???????????????????????????????? $5000 bank income?????????????????????????????????
???????????????????????????????? $3500?husband's income
???????????????????????????????? $1505 social security
???????????????????????????????? $1025 rental property income



Monthly expenses: $?7308
??Housing: $?3274
??Insurance: $?390
??Car expenses: $?869?
??Utilities: $ 350
??Phone, cable, internet: $?150
??Food, entertainment: $500
??Clothing, household expenses $?200
??Credit cards and other loans: $?600
? Daycare: $425
? Gas: $350
??Other expenses: $200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.0011/9/2009 4:37:59 PM
SNH$50.00$50.0011/9/2009 4:53:59 PM
doctorgrab$25.00$25.0011/10/2009 6:28:24 PM
tender-ore$25.00$25.0011/13/2009 8:02:00 PM
DasMula$100.00$100.0011/13/2009 8:38:24 PM
weezy22$26.00$26.0011/14/2009 5:38:55 AM
EEasyMoney$25.00$25.0011/14/2009 11:04:41 AM
the-silver-blaster$75.00$75.0011/13/2009 8:50:16 PM
goodcents$25.00$25.0011/13/2009 9:05:13 PM
showmethemoney5$29.75$29.7511/14/2009 5:53:41 PM
lib5836$25.00$25.0011/14/2009 10:14:35 PM
independent-investment$25.00$25.0011/14/2009 11:30:58 AM
RiverRunnethOver$50.00$50.0011/15/2009 7:45:09 AM
thatin$30.00$30.0011/14/2009 4:39:14 PM
Pintu_Desai$25.00$25.0011/15/2009 8:56:37 AM
Montiesholdings$25.00$25.0011/15/2009 9:17:40 AM
brightest-income-hunter$25.00$25.0011/15/2009 10:59:46 AM
lenderrn$70.81$70.8111/15/2009 12:17:09 PM
Tono$25.00$25.0011/15/2009 3:39:56 PM
glimmering-credit4$25.00$25.0011/15/2009 5:59:02 PM
fireferd$50.00$50.0011/15/2009 2:09:41 PM
RecoveryLender$25.00$25.0011/16/2009 7:26:49 AM
porwestco$25.00$9.4311/16/2009 7:57:31 AM
gpuck$25.00$25.0011/15/2009 6:12:30 PM
Bekim$27.00$27.0011/15/2009 6:50:18 PM
mdaallen$25.00$25.0011/16/2009 10:12:16 AM
glenium$25.00$25.0011/16/2009 3:38:57 AM
balanced-return5$29.42$29.4211/16/2009 7:15:52 AM
semdoc1$25.00$25.0011/16/2009 8:23:05 AM
lnrn$29.97$29.9711/16/2009 2:44:54 PM
Engineer44$25.00$25.0011/16/2009 4:09:35 PM
now101$25.00$25.0011/16/2009 3:12:59 PM
THEREALESTATEGUY$31.68$31.6811/16/2009 3:34:36 PM
kinetic-social$25.00$25.0011/16/2009 3:54:15 PM
best-generosity-financier$69.52$69.5211/16/2009 4:06:39 PM
reflective-rupee$100.00$100.0011/10/2009 2:38:08 PM
reflective-rupee$120.00$120.0011/10/2009 2:41:03 PM
unk1911$25.00$25.0011/11/2009 11:19:50 AM
rr9mailcarrier$143.05$143.0511/12/2009 11:00:59 AM
REFunding$25.00$25.0011/12/2009 12:20:34 PM
lender12345$25.00$25.0011/12/2009 10:57:03 AM
a-finance-nirvana$104.15$104.1511/12/2009 5:42:57 PM
doctorgrab$25.00$25.0011/12/2009 8:35:54 PM
DasMula$100.00$100.0011/13/2009 8:42:24 AM
TakeCare$200.00$200.0011/13/2009 2:25:29 PM
Happyhourcomics$25.00$25.0011/13/2009 5:23:27 PM
SV-AZ$25.00$25.0011/13/2009 8:28:05 PM
best-point-flow$25.00$25.0011/14/2009 8:56:01 AM
BAEVentures$25.00$25.0011/14/2009 11:06:13 AM
enlightenment5$25.00$25.0011/14/2009 1:05:57 PM
Firescreek$25.00$25.0011/14/2009 2:49:17 PM
carmat60$50.00$50.0011/14/2009 9:50:36 PM
BBL$25.00$25.0011/15/2009 6:13:29 AM
honorable-yield$25.00$25.0011/15/2009 7:10:36 AM
bizguy1982$25.00$25.0011/15/2009 3:02:14 PM
People-for-people$50.00$50.0011/15/2009 12:19:54 PM
nala2821$28.08$28.0811/16/2009 11:59:34 AM
quest0$26.14$26.1411/16/2009 3:35:43 PM
dorypro$25.00$25.0011/16/2009 3:55:35 PM
icon7$25.00$25.0011/16/2009 3:25:20 PM
p2p-gala$25.00$25.0011/16/2009 3:31:29 PM
61 bids
 
Borrower Payment Dependent Notes Series 431963
This series of Notes was issued and sold upon the funding of the borrower loan #39562, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-05-2009 
  Auction end date:  Nov-12-2009 
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $126.03
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $108.04
 
Auction yield range: 4.29% - 21.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-1986 Debt/Income ratio: 28%
Credit score: 700-719 (Oct-2009) Current / open credit lines: 11 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $56,974 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: swpoint1 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
660-679 (Jul-2008)
 
Principal balance: $5,196.38 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Help pay off high interest credit !
Purpose of loan:
This loan will be used to pay off high interest credit card!

My financial situation:
I am a excellent?candidate for this loan because I have never been late on any payment to anyone.? I have an excellent credit history and have been working for 28 years.??I pay credit card payments and a little extra, but never seem to make a dent in the balances with the monthly revolving interest rates so high.? With this loan, I can pay off a substantial amount within three years.? My credit rating has always been A, but has recently dropped to C because my loan balances are just too high.? My boyfriend and I bought our house?4 1/2 years ago and put a subtantial down payment down.? Our plan was to refinance the house in 2-3 years and pull our down payment equity out to pay off the credit card balances. Unfortunately, the real estate market took a serious dive and our house is now worth 1/2 of what we paid for it only four years ago! (OUCH!).? We never expected to be in this situation.? We are very responsible borrowers and have a fixed 30 year loan at 6.5%.? We will just have to wait it out until the market recovers.? Meanwhile, we are in credit card debt and need some relief.? We are asking for your help.? Only my income is stated on this fact sheet.? Together we earn 185,000 a year.? I am in the service industry and he is?a licensed medical professional.? We are very trustworthy.? All household expenses are split 50/50.? Thank you for your consideration in funding this loan.? Please note that my credit score has improved over 40 points since my prosper loan over a year ago.? I have negotiated lower interest rates with my creditors.? There are two accounts that are over 28%.? I would like to continue reducing my debt through prosper loans until I am debt FREE.? I will also continue reducing debt through loans through my 401k which has been very successful over the last year.? I will have another 15,000 loan available to me through my 401k in august 2010.? Thank you for your help.
Monthly net income: $ 7,500
Monthly expenses: $
??Housing: $ 1600.00????
??Insurance: $ 100????????
??Car expenses: $ 200 (gas only, car is paid off)
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 2000 (ouch, please help!)
??Other expenses: $297.00 prosper current
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CallMeBen$25.00$25.0011/5/2009 5:12:51 PM
szetheli$117.00$117.0011/6/2009 7:00:19 PM
billnsc$25.00$25.0011/8/2009 5:43:23 PM
Syzygy$25.00$25.0011/9/2009 2:44:11 PM
JDLanier$25.00$25.0011/9/2009 4:58:36 PM
MoneyTree79$200.00$200.0011/9/2009 5:49:02 PM
fantastic-yield$50.00$50.0011/9/2009 9:04:06 PM
joecar1111$100.00$100.0011/11/2009 8:51:15 AM
boredlv$25.00$25.0011/11/2009 2:43:15 PM
gothampark$25.00$25.0011/11/2009 7:29:48 PM
oldman68$25.00$25.0011/11/2009 8:01:29 PM
JerryB96$25.00$25.0011/11/2009 9:28:58 PM
rakey$25.00$25.0011/11/2009 11:26:25 PM
portfolio-turbine$25.00$25.0011/11/2009 2:28:49 PM
market-network$25.00$25.0011/11/2009 7:47:51 PM
spiff666$25.00$25.0011/11/2009 8:16:31 PM
orbiter614$50.00$50.0011/12/2009 1:17:32 AM
shrewd-income$250.00$250.0011/12/2009 7:48:03 AM
TakeCare$100.00$100.0011/12/2009 2:51:27 PM
Hogan55$45.00$45.0011/12/2009 2:56:41 PM
organic-platinum$25.00$25.0011/12/2009 3:38:29 PM
wwwUniversal$25.00$25.0011/12/2009 4:08:32 PM
minista$25.00$25.0011/6/2009 9:45:44 AM
miket71$41.24$41.2411/6/2009 9:45:29 AM
Nicedad72$25.00$25.0011/7/2009 1:50:16 AM
hellasow$25.00$25.0011/7/2009 6:16:00 AM
brondero$330.00$330.0011/6/2009 6:41:59 PM
outofoffice$75.00$75.0011/7/2009 5:37:04 AM
flwah$25.00$25.0011/8/2009 3:16:38 PM
PalmerTheEmbalmer$60.00$60.0011/7/2009 1:37:07 PM
doc1$150.00$150.0011/8/2009 6:14:07 PM
asset-numero-uno$100.00$100.0011/9/2009 1:12:02 PM
LittleMingo$25.00$25.0011/10/2009 5:51:10 PM
cash-widget$25.00$25.0011/10/2009 6:26:27 PM
best-commanding-funds$25.00$25.0011/10/2009 8:39:47 PM
850$200.00$181.7611/11/2009 11:13:46 PM
orbiter614$100.00$100.0011/12/2009 1:15:53 AM
Leshan$100.00$100.0011/12/2009 8:57:02 AM
maineyankee$25.00$25.0011/12/2009 9:47:42 AM
djmjkelso$25.00$25.0011/11/2009 11:17:58 PM
GoldenTicket$50.00$50.0011/12/2009 7:43:30 AM
sdcc72$25.00$25.0011/12/2009 8:00:19 AM
ptjg$50.00$50.0011/12/2009 10:40:35 AM
jybank$25.00$25.0011/12/2009 11:03:10 AM
covinokm1$25.00$25.0011/12/2009 3:35:53 PM
patriot384$50.00$50.0011/12/2009 3:39:50 PM
exciting-fairness$150.00$150.0011/12/2009 3:57:32 PM
wild-orange$300.00$300.0011/12/2009 3:37:22 PM
48 bids
 
Borrower Payment Dependent Notes Series 432033
This series of Notes was issued and sold upon the funding of the borrower loan #39588, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-06-2009 
  Auction end date:  Nov-13-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 31.45% Starting monthly payment: $41.09
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 24.81% Final monthly payment: $37.68
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.48%  
Lender servicing fee: 1.00% Estimated return: 9.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Apr-1994 Debt/Income ratio: 3%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 3 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:14y 3m
Amount delinquent: $0 Revolving credit balance: $804 Occupation: Clerical
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 53%Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Homeownership: No  
Inquiries last 6m: 4    
Screen name: return-equilibrium4 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Establishing credit w/prosper
Purpose of loan:
This loan will be used to establish a credit history with prosper

My financial situation:
I am a good candidate for this loan because aside from a bump in the road the past year due to divorce, I've had great credit.

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $ 50
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0 (live with family)
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 50
??Other expenses: $ 450 child support
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IPG1$25.00$25.0011/6/2009 4:42:09 PM
bluebouyz$38.00$38.0011/11/2009 9:25:42 AM
Robbdogg$37.40$37.4011/13/2009 6:22:02 AM
Taho$30.00$30.0011/13/2009 12:26:10 PM
Leshan$50.00$50.0011/13/2009 8:48:58 AM
Streamfeeder$50.00$50.0011/13/2009 9:38:55 AM
dollar-authority$25.00$25.0011/13/2009 2:32:55 PM
TakeCare$25.00$25.0011/13/2009 2:38:24 PM
durability-colonel$50.00$50.0011/13/2009 3:24:38 PM
DasMula$75.00$75.0011/13/2009 12:26:55 PM
charming-point$100.00$100.0011/13/2009 2:32:12 PM
payment-cadence$25.00$25.0011/6/2009 9:43:46 PM
lender-inc$25.00$14.3411/12/2009 5:25:47 PM
tsquared_030$50.00$50.0011/13/2009 9:25:30 AM
BankOfThomas$25.30$25.3011/13/2009 11:09:37 AM
marwadi-62$25.00$25.0011/13/2009 11:59:20 AM
dpries123$25.00$25.0011/13/2009 12:01:25 PM
HomerdohNY$25.00$25.0011/13/2009 12:18:14 PM
elegant-bonus$25.00$25.0011/13/2009 2:54:48 PM
the-profit-oracle$25.00$25.0011/13/2009 10:44:54 AM
SuperDoucheBag$29.96$29.9611/13/2009 3:05:05 PM
bitano$30.00$30.0011/13/2009 12:25:03 PM
Engineer44$29.00$29.0011/13/2009 4:11:55 PM
carrinel$141.00$141.0011/13/2009 2:27:42 PM
jybank$25.00$25.0011/13/2009 2:35:23 PM
25 bids
 
Borrower Payment Dependent Notes Series 432071
This series of Notes was issued and sold upon the funding of the borrower loan #39558, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-05-2009 
  Auction end date:  Nov-12-2009 
 
Starting lender yield: 11.44% Starting borrower rate/APR: 12.44% / 14.58% Starting monthly payment: $200.55
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $197.57
 
Auction yield range: 4.29% - 11.44% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-2000 Debt/Income ratio: 24%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:8y 4m
Amount delinquent: $0 Revolving credit balance: $44,049 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: hard-working-truth993 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Trying to Start a Family
Purpose of Loan and Our Financial Situation:
I would like to take out this loan to pay off our credit card debt in a quick timely manner.? My wife and I have been married for four years and would like to start a family.? It would not be fair to bring a child into the world without being financially prepared.? The loan is the total of our high interest credit card from home improvements and family emergencies.? We are good candidates for this loan because we plan on paying it off before the 3 years.? Being a Deputy Sheriff for 8 years, I have job security and a steady paycheck.? My wife has been with the same company since she was 15 years old and has worked her way up the ladder.? She is presently the Human Resources Director at the young age of 27.? We are very family oriented and would love to have a child of our own.? We regret getting ourselves into this situation and we just need help from the credit card company interest rates.? In both of our daily job duties, we have to make responsible decisions and some can be life changing and we are hoping you can do the same!

Joint Monthly Income: $9000
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is your current mortgage payment and the total payments for your revolving credit? - mdesq69
A: Mortgage $1600 Car $ 500 CC's $ 1200 (Including the one we are asking the loan for bc of the high interest rate) Health insurance and all that good stuff is paid through my job along with my retirement and pension plan I get through work. Its just that we refuse to pay such a high rate to one of the cards. The loan would be payed off in about 1 1/2 or less (Nov-07-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CallMeBen$25.00$25.0011/5/2009 5:12:52 PM
SnE$25.00$25.0011/6/2009 10:57:59 AM
roto$25.00$25.0011/6/2009 10:58:09 AM
anton$250.00$250.0011/6/2009 10:58:14 AM
mla$25.00$25.0011/6/2009 10:58:22 AM
108lender$200.00$200.0011/6/2009 10:58:27 AM
kegs$100.00$100.0011/6/2009 10:58:30 AM
wise-bonus-honker$25.00$25.0011/6/2009 10:58:41 AM
Hondo$50.00$50.0011/6/2009 10:58:57 AM
Steveoo1$25.00$25.0011/6/2009 11:01:02 AM
orbiter614$50.00$50.0011/6/2009 10:56:59 AM
payout-point$100.00$100.0011/6/2009 10:58:11 AM
a-finance-nirvana$150.00$150.0011/6/2009 10:58:20 AM
wrighco$25.00$25.0011/6/2009 10:58:25 AM
alex189a$25.00$25.0011/6/2009 10:58:44 AM
RochelleW$50.00$50.0011/6/2009 11:00:58 AM
loanfairy$25.00$25.0011/6/2009 3:37:37 PM
nicklds$25.00$25.0011/6/2009 3:48:15 PM
larrybird$100.00$100.0011/6/2009 10:58:18 AM
blue-liberty-gourd$25.00$25.0011/6/2009 10:58:32 AM
elegant-bonus$50.00$50.0011/6/2009 10:58:34 AM
GatorBux$50.00$50.0011/6/2009 10:58:37 AM
ClearLake$25.00$25.0011/6/2009 4:04:06 PM
GOPHERBOY$40.00$40.0011/6/2009 10:58:49 AM
MathProfessor$25.00$25.0011/6/2009 1:44:00 PM
Spring342$50.00$50.0011/6/2009 3:23:13 PM
jct_enterprises$25.00$25.0011/6/2009 3:37:35 PM
pinnacle10$25.00$25.0011/6/2009 3:40:32 PM
bajaruss$25.00$25.0011/6/2009 4:31:57 PM
aasx1108$25.00$25.0011/6/2009 4:44:35 PM
miket71$51.41$51.4111/7/2009 7:35:45 AM
generosity-neutrino$25.00$25.0011/6/2009 4:45:00 PM
awwaww$25.00$25.0011/6/2009 5:33:59 PM
MBIntl$25.00$25.0011/6/2009 6:37:46 PM
justin323$25.00$25.0011/8/2009 9:45:33 AM
generosity-multiplier$25.00$25.0011/8/2009 10:56:21 AM
enticing-treasure5$25.00$25.0011/8/2009 9:14:08 AM
blue-courageous-justice$25.00$25.0011/9/2009 4:42:20 AM
Boba1964$25.00$25.0011/9/2009 6:27:56 AM
leverage-monger$100.00$100.0011/9/2009 3:00:51 PM
golffish2$50.00$50.0011/10/2009 4:40:50 AM
credit-coach118$25.00$25.0011/10/2009 8:48:23 PM
wazamkey$40.00$40.0011/11/2009 10:11:53 AM
djmjkelso$25.00$25.0011/10/2009 7:08:16 PM
building_community$25.00$25.0011/10/2009 7:11:50 PM
loyalist1$25.00$25.0011/11/2009 6:35:47 AM
joecar1111$100.00$100.0011/11/2009 8:53:37 AM
mdesq69$50.00$50.0011/11/2009 3:02:47 PM
smalltown_mn$25.00$25.0011/11/2009 10:55:54 AM
spiff666$25.00$25.0011/11/2009 8:18:25 PM
caseattle$25.00$25.0011/12/2009 8:20:23 AM
Leshan$50.00$50.0011/12/2009 8:59:01 AM
Share-the-wealth$100.00$100.0011/12/2009 6:41:38 AM
CashBank$25.00$25.0011/12/2009 9:56:46 AM
sfd$50.00$50.0011/12/2009 10:57:33 AM
pureliquidhw$25.00$25.0011/12/2009 11:50:57 AM
Ven58$25.00$25.0011/12/2009 1:16:08 PM
CoolBreezeWarlord$25.00$25.0011/12/2009 1:33:45 PM
leverage-monger$50.00$50.0011/12/2009 3:11:19 PM
wild-orange$100.00$100.0011/12/2009 3:42:18 PM
organic-platinum$25.00$25.0011/12/2009 11:05:01 AM
jybank$25.00$25.0011/12/2009 11:08:47 AM
exciting-fairness$150.00$150.0011/12/2009 3:58:59 PM
wwwUniversal$25.00$25.0011/12/2009 4:09:11 PM
vegibenz$25.00$25.0011/6/2009 10:58:06 AM
steady-gain5$25.00$25.0011/6/2009 10:58:12 AM
abuyama22$50.00$50.0011/6/2009 10:58:21 AM
mamayama$25.00$25.0011/6/2009 10:58:26 AM
kchen486$25.00$25.0011/6/2009 10:58:29 AM
community-champ3$25.00$25.0011/6/2009 10:58:40 AM
economy-synapse$25.00$25.0011/6/2009 10:58:43 AM
Moxman125$25.00$25.0011/6/2009 10:59:08 AM
silvip$25.00$25.0011/6/2009 11:00:40 AM
five-star-note$25.00$25.0011/6/2009 10:58:02 AM
pietro_torna_indietro$25.00$25.0011/6/2009 10:58:13 AM
heavy_ax$25.00$25.0011/6/2009 10:58:24 AM
wise-spirited-nickel$100.00$100.0011/6/2009 10:58:35 AM
rmachi$25.00$25.0011/6/2009 10:58:46 AM
888168$25.00$25.0011/6/2009 10:59:03 AM
ElChico124$25.00$25.0011/6/2009 12:10:00 PM
8bitnintendo$25.00$25.0011/6/2009 3:08:10 PM
Fortuno_per_commodo$50.00$50.0011/6/2009 12:28:38 PM
Rattlehead$50.00$50.0011/6/2009 3:14:30 PM
mcd1901$25.00$25.0011/6/2009 12:42:49 PM
3am-preacher$50.00$50.0011/6/2009 3:02:50 PM
divedude$25.00$25.0011/6/2009 3:14:29 PM
flwah$25.00$25.0011/6/2009 10:57:02 AM
tender-ore$25.00$25.0011/6/2009 10:58:07 AM
golden-yield$25.00$25.0011/6/2009 10:58:31 AM
TandyJames$50.00$50.0011/6/2009 10:58:33 AM
lucrative-worth$25.00$25.0011/6/2009 10:58:36 AM
zoomdrm57$100.00$100.0011/6/2009 10:58:38 AM
tremendous-payment$25.00$25.0011/6/2009 4:04:09 PM
kirkjerk$25.00$25.0011/6/2009 12:05:31 PM
respectful-note$25.00$25.0011/6/2009 4:41:58 PM
transparency-giant$25.00$25.0011/6/2009 5:05:33 PM
zone8$100.00$39.6511/6/2009 5:56:29 PM
outofoffice$50.00$50.0011/7/2009 5:36:12 AM
T-Bizzone$25.00$25.0011/6/2009 4:43:09 PM
geniusj$25.00$25.0011/6/2009 4:49:41 PM
rpg$250.00$250.0011/7/2009 7:32:08 AM
minista$25.00$25.0011/7/2009 7:37:46 AM
SNH$50.00$50.0011/6/2009 5:49:39 PM
Doohickey415$25.00$25.0011/8/2009 12:04:28 AM
authoritative-social$25.00$25.0011/7/2009 4:33:34 AM
rustysailor$28.00$28.0011/8/2009 2:57:00 PM
justice-hawk$50.00$50.0011/8/2009 8:06:13 PM
Finspons$38.88$38.8811/8/2009 10:36:26 AM
doc1$100.00$100.0011/8/2009 6:15:09 PM
cloud8$35.00$35.0011/8/2009 6:55:52 PM
responsive-listing$25.00$25.0011/9/2009 1:42:01 PM
leverage-monger$100.00$100.0011/9/2009 2:59:47 PM
Lender_Guy$27.06$27.0611/9/2009 3:56:19 PM
asset-numero-uno$100.00$100.0011/9/2009 1:38:47 PM
kind-ultimate-compassion$25.00$25.0011/9/2009 5:42:11 PM
HappyToLoan$25.00$25.0011/9/2009 6:04:33 PM
BenR$100.00$100.0011/9/2009 6:30:28 PM
wealth-grasshopper0$150.00$150.0011/10/2009 12:41:13 PM
MoneyForNothing$25.00$25.0011/10/2009 5:51:04 PM
estancias$25.00$25.0011/11/2009 11:01:42 AM
us957165$25.00$25.0011/11/2009 4:06:15 PM
liquidhorse$25.00$25.0011/11/2009 10:00:10 PM
nalaari$50.00$50.0011/12/2009 5:54:07 AM
availableloan$25.00$25.0011/12/2009 7:46:55 AM
JerryB96$25.00$25.0011/11/2009 9:32:19 PM
patriot384$50.00$50.0011/12/2009 1:00:41 PM
TakeCare$100.00$100.0011/12/2009 2:55:38 PM
durability-colonel$50.00$50.0011/12/2009 2:55:37 PM
ratzlefrss$50.00$50.0011/12/2009 10:57:54 AM
patriot384$50.00$50.0011/12/2009 4:16:15 PM
130 bids
 
Borrower Payment Dependent Notes Series 432171
This series of Notes was issued and sold upon the funding of the borrower loan #39577, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $82.18
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 21.22% Final monthly payment: $73.31
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 7.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Aug-2000 Debt/Income ratio: Not calculated
Credit score: 640-659 (Nov-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $15,540 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: broyboy Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
660-679 (Apr-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 32  
Description
Fixing up the old car for winter
Purpose of loan:
This loan will be used to fix up my 13 year old Honda Civic. My great new job is a 35 minute drive (60 minutes in the winter) so it's getting a lot of use these days and I need to perform some major repairs and maintenance so that it is reliable and safe for the winter. I've owned the car free and clear for five years. Previously I didn't need to drive much for work so it was a low priority and now the def has caught up to me.

Things that need to be done include: snow/ice tires, struts, a smashed body panel (though not critical for travel it's pretty ugly), O2 sensor, battery, oil change, wiper blades, and I'm sure a few more. I'm having it completely inspected in a week. Any left over cash would be put back toward the principle. Without the loan I would need to empty my savings account and I don't want to do that. I would put everything on credit cards since my interest rates are competitive and the fees less than Prosper, but as I've been paying those down the limits have been reduced and I just don't have enough cushion there.

My financial situation:
I am a good candidate for this loan because I always pay my debts and feel it is morally irresponsible to do otherwise. I want better credit and I've been working hard to live below my means and become debt free, always paying more than the minimums. My full time salary position at a college is very stable and I plan on being there for the next twenty-five years or more. I paid off a Prosper loan early in the recent past. I own my car free and clear. My housing situation is perfect - I rent an apartment very cheaply from my parents who owe nothing on the property. I did rack up some hefty credit card debt while I was unemployed for several months earlier this year, but since landing the new position I halved the balances on two cards and cut two others down by a quarter. Besides my day job I do IT consulting business on the side that averages $500-$1500. I also have dividend and interest income of roughly $500. As you can see below, my income far outweighs my current expenses, even counting only my salary.

Monthly net income: $ 4250
Salary (take home): $2250
Other income (pre-tax): $1000-2000

Monthly expenses: $ 1650
??Housing: $ 200
??Insurance: $ 50
??Car expenses: $ 150
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 750
??Other expenses: $ 100

Thank you for reviewing my listing and considering me in your bidding!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Unitas4302$300.00$300.0011/13/2009 3:40:59 AM
CoolPlexer$25.00$25.0011/14/2009 8:47:29 AM
Feyenoord$30.93$30.9311/14/2009 1:16:30 PM
DANTHEMAN2$25.00$25.0011/14/2009 5:07:26 AM
mordecei$50.00$50.0011/15/2009 8:30:56 AM
mauge35$32.00$32.0011/14/2009 6:46:19 PM
Kash2010lu$25.00$0.3711/15/2009 5:42:49 PM
sorace$50.00$50.0011/16/2009 5:10:36 AM
Bekim$27.00$27.0011/15/2009 6:51:02 PM
Moe87$48.59$48.5911/15/2009 10:08:17 PM
jybank$25.00$25.0011/16/2009 1:31:26 PM
return-grizzly$100.00$100.0011/16/2009 1:41:52 PM
113121$25.00$25.0011/16/2009 2:07:54 PM
MoneyForNothing$25.00$25.0011/16/2009 2:54:42 PM
fireferd$200.00$200.0011/16/2009 4:02:16 PM
TFAD72$25.00$25.0011/16/2009 2:36:54 PM
nurat$33.96$33.9611/16/2009 2:56:00 PM
p2p-gala$25.00$25.0011/16/2009 3:28:24 PM
Aberdeen$100.00$100.0011/9/2009 5:26:10 PM
adventure0$200.00$200.0011/10/2009 6:26:29 PM
lender12345$25.00$25.0011/12/2009 10:58:30 AM
element40$100.00$100.0011/14/2009 8:03:17 PM
crjmechanic$25.00$25.0011/15/2009 11:29:58 AM
Techne_Funds_LLC$25.00$25.0011/15/2009 7:32:26 PM
jjb516$52.57$52.5711/15/2009 10:11:40 PM
CA_Lender$25.00$25.0011/16/2009 12:12:39 PM
whittlesey31$25.00$25.0011/16/2009 12:29:37 PM
eboomer2611$25.00$25.0011/16/2009 12:31:14 PM
Engineer44$30.00$30.0011/16/2009 4:10:50 PM
Leshan$64.58$64.5811/16/2009 1:15:55 PM
TakeCare$200.00$200.0011/16/2009 2:52:40 PM
icon7$30.00$30.0011/16/2009 3:37:00 PM
economy-popcorn$25.00$25.0011/16/2009 3:53:31 PM
33 bids
 
Borrower Payment Dependent Notes Series 432185
This series of Notes was issued and sold upon the funding of the borrower loan #39581, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,400.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Nov-06-2009 
  Auction end date:  Nov-13-2009 
 
Starting lender yield: 22.79% Starting borrower rate/APR: 23.79% / 26.53% Starting monthly payment: $54.77
Final lender yield: 15.25% Final borrower rate/APR: 16.25% / 18.86% Final monthly payment: $49.39
 
Auction yield range: 8.29% - 22.79% Estimated loss impact: 8.34%  
Lender servicing fee: 1.00% Estimated return: 6.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Sep-1986 Debt/Income ratio: 12%
Credit score: 700-719 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 15Length of status:9y 8m
Amount delinquent: $266 Revolving credit balance: $1,666 Occupation: Other
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 62%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wedrive4u Borrower's state: Georgia Borrower's group: BORROWERS - Free instant Listings - LARGEST 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 87% ) 700-719 (Latest)
Principal borrowed: $2,500.00< mo. late: 2 ( 13% )  
640-659 (Jun-2008)
640-659 (Jan-2008)
520-539 (Jan-2007)
 
Principal balance: $1,622.59 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Interest rate increase, CC payoff
Purpose of loan:
This loan will be used to?pay off my credit cards, with the December 1st date approaching,?where the new law regarding interest rates will go into effect All of my credit cards are raising their rates prior to the date?of the new law. I recommend that everyone takes a closer look at your billing statement becasue most credit cards are doing it. Thanks Clark Howard for the advise. I also have one deliquent charge that just appeared on my credit report that I am disputing.

My financial situation:
I am a good candidate for this loan because I was invited by Prosper to apply for a second loan due to my consistent and timely payment history as stated below
Dear XXXXX,

We wanted to thank you for your membership with Prosper.

As you may have seen in recent headlines, getting a loan through the big banks has become increasingly difficult, leaving many of you to rely on high-rate credit cards to cover your finance needs.

Prosper is here to help.

Due to your consistent and timely payment history with us we are pleased to invite you to request a second loan. If you, or someone you know, are tired of paying high rates, apply now at Prosper. You could lower your monthly finance charges considerably. In these tough economic times, every extra dollar counts.
Since my first loan, my wife and I have purchased a new home, and welcomed a new addition to our family, our son who is pictured. We are still a two family income and I will be solely responsible. My career is going great and the part-time used car selling I started with the first loan is going great. Remember my target was automobiles $2000 and under, so with the current recession, it has been successful. Our credit is good, and?I am excited to be part of the prosper family



Monthly net income: $ 7000

Monthly expenses: $
??Housing: $ 1170
??Insurance: $ 83
??Car expenses: $ 203
??Utilities: $ 70
??Phone, cable, internet: $?75
??Food, entertainment: $?100
??Clothing, household expenses $ 125
??Credit cards and other loans: $?175
??Other expenses: $ 75
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why do you need this small loan, given that you monthly net income exceeds your expenses by nearly $5,000? thanks - reflective-rupee
A: I have other investments in HUD housing, CD, 529 for my son, and money market accounts while I build my retirement profolio. (Nov-12-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
econgineer$33.93$33.9311/12/2009 4:28:43 PM
John_14_6$25.00$25.0011/13/2009 6:44:04 AM
Leshan$100.00$100.0011/13/2009 8:53:28 AM
dpries123$25.00$25.0011/13/2009 12:03:13 PM
Bito03$25.00$25.0011/13/2009 12:54:47 PM
RicheyRich$25.00$25.0011/13/2009 1:42:58 PM
portfolio-turbine$50.00$50.0011/13/2009 2:14:53 PM
caseattle$25.00$25.0011/13/2009 10:27:37 AM
wild-orange$500.00$500.0011/13/2009 3:50:33 PM
JauaFlash$26.82$26.8211/13/2009 11:48:08 AM
rakey$25.00$25.0011/13/2009 4:01:08 PM
carrinel$100.00$100.0011/13/2009 4:05:02 PM
leverage-monger$250.00$250.0011/13/2009 4:13:39 PM
Nasdaq$25.00$25.0011/13/2009 4:05:04 PM
lender12345$25.00$25.0011/12/2009 10:54:01 AM
OPEO$25.00$25.0011/13/2009 6:54:42 AM
realtormoises$25.00$25.0011/13/2009 6:59:44 AM
the-profit-oracle$25.00$25.0011/13/2009 10:23:01 AM
jybank$25.00$25.0011/13/2009 4:10:37 PM
visionary-deal3$100.00$39.2511/13/2009 4:12:54 PM
20 bids
 
Borrower Payment Dependent Notes Series 432219
This series of Notes was issued and sold upon the funding of the borrower loan #39568, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 7.69% Starting borrower rate/APR: 8.69% / 9.03% Starting monthly payment: $31.66
Final lender yield: 6.20% Final borrower rate/APR: 7.20% / 7.54% Final monthly payment: $30.97
 
Auction yield range: 3.29% - 7.69% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Sep-1994 Debt/Income ratio: 40%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 11 / 9Employment status:Retired
Now delinquent: 0 Total credit lines: 21Length of status:25y 10m
Amount delinquent: $0 Revolving credit balance: $4,943Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 13% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: lean-rupee 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.
Description
ESTAABLISH CREDIT ON PROSPER
Purpose of loan:
This loan will be used to? HELP DAUGHTER PAY SOME BILLS, AND ESTABLISH CREDIT ON PROSPER SO I CAN GET LOANS AT A BETTER RATE IN THE FUTURE

My financial situation:
I am a good candidate for this loan because?HAVE NEVER BEEN LATE ON ANY PAYMENTS FOR THE LAST 20 YEARS
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
slartibardfast$35.00$35.0011/9/2009 4:11:45 PM
Attract$25.00$25.0011/9/2009 4:11:48 PM
Patrician$100.00$100.0011/9/2009 4:55:44 PM
greenback-floret$50.00$50.0011/10/2009 7:11:35 AM
five-star-justice$36.00$36.0011/11/2009 7:02:23 AM
MoneyForNothing$25.00$25.0011/12/2009 4:29:56 PM
bankojerry$25.00$25.0011/12/2009 5:11:38 PM
sunny1985$25.00$25.0011/12/2009 8:19:59 PM
billnsc$25.00$25.0011/14/2009 10:25:47 AM
springpanda$25.00$25.0011/15/2009 3:23:41 PM
JerryB96$25.00$25.0011/16/2009 7:00:05 AM
Astyanax$25.00$25.0011/16/2009 12:38:59 PM
icon7$25.00$25.0011/16/2009 3:31:05 PM
kinetic-social$30.00$30.0011/16/2009 3:58:02 PM
kanakakm$50.00$12.5311/9/2009 4:11:58 PM
hellasow$25.00$25.0011/9/2009 6:06:05 PM
serene-capital$25.00$25.0011/10/2009 10:43:33 AM
platinum-piledriver$25.00$25.0011/12/2009 9:31:14 AM
SoloX$25.00$25.0011/12/2009 6:11:22 PM
marwadi-62$100.00$100.0011/13/2009 12:04:20 PM
springpanda$50.00$50.0011/13/2009 10:45:31 PM
kind-funds-tonic$25.00$25.0011/15/2009 9:19:18 AM
Hiddendeseret$86.47$86.4711/15/2009 4:01:58 PM
FundMaker$25.00$25.0011/15/2009 8:59:56 AM
redtilapia$25.00$25.0011/16/2009 1:38:59 AM
octoberfresh$25.00$25.0011/16/2009 7:20:39 AM
jybank$50.00$50.0011/16/2009 9:50:26 AM
rmachi$25.00$25.0011/16/2009 11:37:59 AM
28 bids
 
Borrower Payment Dependent Notes Series 432239
This series of Notes was issued and sold upon the funding of the borrower loan #39560, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
Final lender yield: 29.95% Final borrower rate/APR: 30.95% / 33.34% Final monthly payment: $214.87
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 19.75%  
Lender servicing fee: 1.00% Estimated return: 10.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 4 First credit line: Nov-1991 Debt/Income ratio: 16%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 6 Total credit lines: 16Length of status:5y 3m
Amount delinquent: $5,655 Revolving credit balance: $473 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$50,000-$74,999
Delinquencies in last 7y: 16 Homeownership: No  
Inquiries last 6m: 1    
Screen name: cleanmaster Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
something good for the environment!
Purpose of loan:
This loan will be used to start a?company that will offer eco-friendly solutions to commercial and industrial companies. 4k Green Cleaning, will provide high quality and environmentally friendly services and solutions to businesses of all sizes.?Get in on the ground floor of this fantastic opportunity.?

My financial situation:
I am a good candidate for this loan because I have?demonstrated a sense of responsibility by?overcoming past financial difficulties, hardships,?and credit problems. I?raised my credit score from 430 to over 700 in less?than 2 years. Also,?I have over 5 years experience in the industry as a production supervisor for a disaster restoration and cleaning company.

My proven record?of impeccable customer service, outstanding leadership and managerial skills, as well as?great problem solving skills are assets to 4k Green Cleaning. Besides a few past blemishes my credit is?good, and I have the income to repay the Prosper investors for their loan consideration. The profitability for a company like 4k Green Cleaning is outstanding. The risk factor for potential investors is extremely low. The market for eco-friendly solutions is infinite. At this time the market is untapped and offers enormous possibilities.?

Our Competitive Advantage:

4k Green Cleaning will succeed because Americans understand more than ever that we must collectively do our part to save our environment. Finally, eco-friendly solutions are being sought and used by consumers and businesses at an increasing rate. We will succeed by offering superior products, services and solutions using a very competitive and affordable pricing model.

We sincerely appreciate your interest.??

Monthly net income: $4,500

Monthly expenses: $
??Housing: $875.00
??Insurance: $89.00
??Car expenses: $534.00?
??Utilities: $135.00
??Phone, cable, internet: $85.00
??Food, entertainment: $125.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $100.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CASHCOWBOY$5,000.00$5,000.0011/16/2009 4:10:21 PM
1 bids
 
Borrower Payment Dependent Notes Series 432325
This series of Notes was issued and sold upon the funding of the borrower loan #39570, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 24.98% Starting monthly payment: $37.76
Final lender yield: 15.00% Final borrower rate/APR: 16.00% / 19.69% Final monthly payment: $35.16
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.84%  
Lender servicing fee: 1.00% Estimated return: 8.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Jul-1996 Debt/Income ratio: 57%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 18 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $24,983 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: affluence-goose Borrower's state: Vermont 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
Working to pay down debt.
Purpose of loan:
This loan will be used to? pay down higher interest credit cards.

My financial situation:
I am a good candidate for this loan because? I have an excellent payment history and my low credit score is mainly due to the high balances on my cards.? My debt was accrued by helping my husband pay bills during periods where the start-up tech company he worked for couldn't make payroll.? He has since found a much more stable job with a major semiconductor company so my goal is to get my debt paid back down and return to the practice of using cash for all of our purchases.? His job pays for all of our expenses so most of my paychecks are going towards my debt payments.

Monthly net income: $ 1400

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 739.82
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Do you plan on taking the whole 36 months to pay back the loan? - merciful-yield
A: No. My plan is to pay it off in 8-12 months so that I can establish a good history with prosper in the hopes of getting a larger loan at a lower interest rate. My debt would've gone down substantially so my credit score would've improved which should give me a better score on prosper. (Nov-11-2009)
Q: How many credits cards do you have outstanding? Do you intend to cancel many of your cards when they are paid off? - CAPFC2368
A: I have eight credit cards and I will keep one or two of the oldest ones open just to maintain a long credit history and to have something for emergencies. Otherwise, the rest of my cards will be closed once I've paid them off. (Nov-12-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
building_community$25.00$25.0011/14/2009 6:35:11 PM
JTHarris$50.00$50.0011/15/2009 1:00:25 PM
Chrishu$25.00$25.0011/16/2009 10:32:34 AM
Astyanax$25.00$25.0011/16/2009 12:52:57 PM
sunnysally$25.00$25.0011/16/2009 3:15:04 PM
money-matrix$25.00$25.0011/16/2009 4:11:57 PM
exciting-fairness$150.00$47.4611/16/2009 4:13:55 PM
kinetic-social$25.00$25.0011/16/2009 4:13:47 PM
Engineer44$25.00$25.0011/16/2009 4:14:16 PM
Unitas4302$50.00$50.0011/13/2009 3:47:29 AM
fatboy888$25.00$25.0011/16/2009 5:30:35 AM
p2p-journey$27.54$27.5411/16/2009 12:11:19 PM
icon7$50.00$50.0011/16/2009 4:13:37 PM
whiteoak$50.00$50.0011/16/2009 3:53:54 PM
wild-orange$500.00$500.0011/16/2009 4:10:08 PM
HomerdohNY$25.00$25.0011/16/2009 4:12:22 PM
16 bids
 
Borrower Payment Dependent Notes Series 432387
This series of Notes was issued and sold upon the funding of the borrower loan #39538, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $158.33
 
Auction yield range: 17.29% - 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: Sep-1998 Debt/Income ratio: 36%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 25 / 24Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 45Length of status:9y 3m
Amount delinquent: $0 Revolving credit balance: $7,501 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: a_touchof_class Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,050.00< mo. late: 0 ( 0% )  
660-679 (Jul-2009)
600-619 (Oct-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
"paying for college"
I have stability.? I have worked for the same company and lived in the same apartment for over 8 years.? Although I've had issues before, i am making steps in the right direction.? I am attending the school to obtain my degree in Nursing.? Once I complete my degree I plan to be a traveling nurse.? I maintain a 3.5 GPA while taking full time courses and maintaining a full time job as well.? I am seeking some financial assistance so that I can attend school this semester.? I have about 27 credit hours left.? I'm keeping my eyes on the prize.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hey a_touchof_class-- Do you know what the two inquiries in the last six months are about? Thanks and good luck with your listing. - bondhedger
A: I know 1 inquiry was from Sallie Mae. I'm not exactly sure what the other one was for. (Nov-13-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$350.00$307.7911/9/2009 4:17:35 PM
frugalinvestor20$25.00$25.0011/9/2009 4:38:06 PM
clemclan$25.00$25.0011/10/2009 7:57:34 PM
CA_Lender$25.00$25.0011/10/2009 10:13:06 PM
Eloise62$75.00$75.0011/12/2009 12:33:19 PM
jpf27$100.00$100.0011/12/2009 12:29:06 PM
People-for-people$50.00$50.0011/12/2009 7:46:47 PM
bankbuddy55$50.00$50.0011/13/2009 1:16:47 PM
TakeCare$200.00$200.0011/13/2009 2:23:31 PM
EEasyMoney$50.00$50.0011/13/2009 3:18:24 PM
carrinel$39.00$39.0011/13/2009 4:33:26 PM
rvfbroker$25.00$25.0011/13/2009 7:28:31 PM
LoanDMC$25.00$25.0011/13/2009 8:58:13 PM
goodcents$25.00$25.0011/13/2009 9:02:18 PM
DasMula$50.00$50.0011/13/2009 7:18:21 PM
CoolPlexer$64.57$64.5711/14/2009 8:48:35 AM
TakeCare$200.00$200.0011/13/2009 9:11:31 PM
best-generosity-financier$75.00$75.0011/13/2009 10:13:32 PM
hellasow$25.00$25.0011/14/2009 12:56:24 PM
checzwick$25.00$25.0011/14/2009 4:20:41 PM
credit-coach118$25.00$25.0011/14/2009 2:37:21 PM
affluence-cargo$34.00$34.0011/14/2009 5:57:31 AM
eronyc$25.00$25.0011/15/2009 12:18:23 AM
Feyenoord$25.00$25.0011/14/2009 1:22:25 PM
reflective-rupee$100.00$100.0011/14/2009 1:29:45 PM
Pintu_Desai$25.00$25.0011/15/2009 8:57:17 AM
umfan123$25.00$25.0011/15/2009 2:50:05 PM
lyrisnox$25.00$25.0011/15/2009 11:55:02 AM
fireferd$150.00$150.0011/15/2009 2:22:11 PM
Gobsek$25.00$25.0011/16/2009 7:24:30 AM
fortytwo$200.00$200.0011/9/2009 5:28:19 PM
MoneyForNothing$25.00$25.0011/9/2009 8:25:21 PM
preventivepestcontrol$25.00$25.0011/10/2009 10:53:56 AM
doctorgrab$25.00$25.0011/10/2009 6:40:02 PM
unk1911$25.00$25.0011/11/2009 11:19:58 AM
Aberdeen$36.55$36.5511/11/2009 3:22:30 PM
Iceman1347$25.00$25.0011/12/2009 2:51:32 PM
DasMula$100.00$100.0011/13/2009 8:59:32 AM
impala6464$75.00$75.0011/12/2009 8:32:02 PM
Unitas4302$400.00$400.0011/13/2009 3:42:08 AM
101010$75.00$75.0011/13/2009 7:59:21 AM
FunkyBro$31.00$31.0011/14/2009 2:08:13 AM
Laxa$25.00$25.0011/14/2009 10:18:57 AM
DasMula$250.00$250.0011/13/2009 8:36:30 PM
dime-fighter$31.30$31.3011/14/2009 2:51:32 PM
mark1017-31$30.79$30.7911/15/2009 3:05:39 AM
reflective-rupee$100.00$100.0011/14/2009 1:29:33 PM
Onlyhappycustomers$25.00$25.0011/15/2009 5:54:53 AM
Kash2010lu$25.00$25.0011/15/2009 5:43:10 PM
vivacious-p2p3$25.00$25.0011/15/2009 2:17:07 PM
fatboy888$25.00$25.0011/16/2009 5:35:17 AM
51 bids
 
Borrower Payment Dependent Notes Series 432417
This series of Notes was issued and sold upon the funding of the borrower loan #39557, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
Final lender yield: 17.29% Final borrower rate/APR: 18.29% / 20.50% Final monthly payment: $108.89
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 25.95%  
Lender servicing fee: 1.00% Estimated return: -8.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 2 First credit line: Jul-1997 Debt/Income ratio: 29%
Credit score: 680-699 (Oct-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $146 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 48%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: brightgrneys Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
660-679 (Jul-2009)
640-659 (Jul-2008)
 
Principal balance: $1,211.71 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
2nd Prosper Loan...Fico 700+
Purpose of loan:
This loan will be used to pay balance of first Prosper loan and some needed car repairs.

My financial situation:
I am a good candidate for this loan because I've paid my first prosper loan on time for over a year & have paid additional amounts.? I've been current on my?car loan and student loan. I've been working very hard to get my credit back.? I do not understand how my credit score has went up to 700+ but my credit grade with prosper has tanked.( ie. original prosper loan was graded a C with a lower credit score.)? I am now in the 700's and graded an HR.? Whats up with that? My public record is from BK filed in 6/2007. My ex husband was court ordered to pay all the marital debt and did not. I found out six years later. Inquiries from looking at homes.? Feel free to ask any questions!

Monthly net income: $ 1300-1600, my husband makes an additional $2000 net

Monthly expenses: $
??Housing: $ 475.00, includes water, sewage, and trash
??Insurance: $ 108
??Car Payment: $ 400,
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards : I pay off monthly
? Student loan : $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: Congratulations on the amazing improvement from the last loan. 62 delinquencies totaling 10k gone and raising your credit score to 700 all on a nurses aide salary, impressive. Current loan paid spot on time. This is not a HR loan. I'm in.. - quickstep
A: Thank you so much for taking the time to look this over. It means alot to me for others to have faith in me. (Nov-16-2009)
Q: Good job on the great payment on the last loan! It may have had something to do with your credit score increase! 1) What is the interest rate on your current Prosper loan? 2) Have you thought of becoming a lender? - JGuide
A: Current loan is at 26%. Yes I have but currently I can't because I live in Michigan and prosper is not currently licensed for Michigan. (Nov-16-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
sparkybrneyes$25.00$25.0011/16/2009 7:50:39 AM
CASHCOWBOY$3,000.00$2,975.0011/16/2009 4:14:48 PM
2 bids
 
Borrower Payment Dependent Notes Series 432457
This series of Notes was issued and sold upon the funding of the borrower loan #39597, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $14,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 16.36% Starting monthly payment: $492.20
Final lender yield: 11.95% Final borrower rate/APR: 12.95% / 13.30% Final monthly payment: $471.38
 
Auction yield range: 3.29% - 15.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 10.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-2005 Debt/Income ratio: 14%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $6,895 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 17%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: safe_investment Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 800-819 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
700-719 (May-2008)
600-619 (Jan-2008)
640-659 (Dec-2007)
 
Principal balance: $5,225.08 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
A++ Credit, 2nd Prosper Loan.
Purpose of loan:
I am a good candidate for this loan because I pay my bills on time each and every month.? This is my 2nd Prosper loan.? I've made good solid payments on my first Prosper loan.? I'm going to use this loan to get away from Bank of America.

Monthly net income: $ 6883

Monthly expenses: $ 4881
Auto Insurance: $107
Brooke Insurance: $50
Citi Credit Card: $200
Gold Option Loan: $378
Groceries: $600
MBNA Credit Card $100
PG&E Utilities: $200
Paypal Plus Credit Card: $68
Housing: $2300
Toyota: $278??
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: Do you anticipate any significant life event over the next 12 months? This includes a marriage, divorce, death in the family, purchase/sale of a home, bankruptcy, etc. Thanks very much and good luck with your listing. - CaribbeanBanker
A: No, I don?t anticipate any significant life event over the next 12 months. Thanks for taking a look at my listing. (Nov-09-2009)
Q: Please explain the inquiry in last 6 months. - OIF-Veteran
A: According to my credit report Bank of America did the inquiry. I?m not sure why, I have not applied for credit. Before that was AT&T for signing up with DSL. BANK OF AMERICA 10/28/2009 AT&T SRVS 04/27/2009 Thank you. (Nov-12-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
responsibility-butterfly$25.00$25.0011/9/2009 4:31:36 PM
Independenceday$25.00$25.0011/9/2009 4:38:09 PM
CallMeBen$25.00$25.0011/9/2009 4:38:23 PM
inforapenny$25.00$25.0011/9/2009 4:32:21 PM
vestquid$25.00$25.0011/9/2009 4:55:36 PM
TexasLender2007$25.00$25.0011/9/2009 5:21:41 PM
ATOHokie$25.00$25.0011/9/2009 5:21:46 PM
lazyeye$25.00$25.0011/9/2009 5:23:47 PM
Rattlehead$100.00$100.0011/9/2009 5:21:53 PM
JKKCapital$25.00$25.0011/9/2009 5:21:56 PM
diplomatic-capital$50.00$50.0011/9/2009 5:22:49 PM
enticing-treasure5$25.00$25.0011/9/2009 5:39:59 PM
a8h8a8$25.00$25.0011/9/2009 5:24:50 PM
fairness-faire$25.00$25.0011/9/2009 5:50:07 PM
JustMee$331.09$331.0911/9/2009 6:46:06 PM
serene-truth2$25.00$25.0011/9/2009 8:10:45 PM
DHolly$25.00$25.0011/10/2009 6:11:01 AM
GrayStudio$50.00$50.0011/10/2009 6:11:32 AM
enticing-loan4$25.00$25.0011/10/2009 8:03:14 AM
sshgfwb$25.00$25.0011/10/2009 9:40:52 AM
totoro$25.00$25.0011/10/2009 10:24:14 AM
principal-prodigy$25.00$25.0011/9/2009 11:54:06 PM
blue-courageous-justice$25.00$25.0011/10/2009 4:22:49 AM
hellasow$25.00$25.0011/10/2009 5:00:33 AM
ALL-PRIME$25.00$25.0011/10/2009 11:57:23 AM
flwah$25.00$25.0011/10/2009 12:14:22 PM
caseattle$25.00$25.0011/10/2009 6:11:16 AM
Syzygy$25.00$25.0011/10/2009 1:06:44 PM
iruz$100.00$100.0011/10/2009 11:57:18 AM
ChicaBonita$25.00$25.0011/10/2009 2:31:44 PM
minista$25.00$25.0011/10/2009 6:01:47 PM
rate-hickory$25.00$25.0011/10/2009 8:46:43 PM
TemeculaLending$25.00$25.0011/10/2009 10:26:31 PM
well-mannered-income3$25.00$25.0011/11/2009 7:51:34 AM
estancias$25.00$25.0011/11/2009 11:07:23 AM
pugmalion$50.00$50.0011/11/2009 12:29:15 PM
SpectrumFinance$25.00$25.0011/11/2009 1:20:41 PM
grishkinabby$60.70$60.7011/11/2009 4:50:38 PM
pietro_torna_indietro$100.00$100.0011/11/2009 8:54:39 PM
starry2001$25.00$25.0011/11/2009 12:57:35 PM
twjh$25.00$25.0011/12/2009 6:05:56 AM
twjh$25.00$25.0011/12/2009 6:07:12 AM
SpectrumCapital$25.00$25.0011/11/2009 1:20:43 PM
rmpedi33$150.00$150.0011/12/2009 8:40:27 AM
People-for-people$50.00$50.0011/11/2009 6:34:52 PM
MJFinancial$50.00$50.0011/11/2009 8:05:36 PM
kazike$50.00$50.0011/11/2009 11:00:04 PM
mcs99$100.00$100.0011/12/2009 9:48:28 AM
3_boyz$25.00$25.0011/12/2009 12:13:12 PM
DiscreetFinancial$25.00$25.0011/12/2009 4:09:16 PM
CULPEPPERGROUP$25.00$25.0011/12/2009 4:30:42 PM
Dollars4Rent$25.00$25.0011/12/2009 12:34:51 PM
Washington_Loan$25.00$25.0011/12/2009 4:29:51 PM
RealEstateInvestorsoftheUS$33.84$33.8411/12/2009 4:32:19 PM
daddyx3$50.00$50.0011/13/2009 4:45:52 AM
101010$25.00$25.0011/13/2009 8:10:18 AM
maineyankee$25.00$25.0011/13/2009 10:48:17 AM
LarWit1512$25.00$25.0011/13/2009 12:00:45 PM
101010$50.00$50.0011/13/2009 8:09:55 AM
busybee999$25.00$25.0011/13/2009 3:28:00 PM
Mountaineer$180.52$180.5211/13/2009 1:03:07 PM
fortune888$25.00$25.0011/13/2009 5:35:12 PM
kingshighway$82.07$82.0711/14/2009 7:38:44 AM
baltar$25.00$25.0011/14/2009 10:11:17 AM
tyson789$101.00$101.0011/14/2009 10:57:49 AM
economy-festivity$25.00$25.0011/14/2009 10:59:46 AM
TakeCare$200.00$200.0011/14/2009 11:37:22 AM
missmeg$25.00$25.0011/15/2009 8:03:41 AM
crafty$25.00$25.0011/15/2009 9:01:07 AM
Coastielender09$28.16$28.1611/15/2009 9:29:02 AM
poloinc$69.30$69.3011/15/2009 11:12:45 AM
BeeHive$25.00$25.0011/14/2009 8:25:39 PM
szasza$50.00$50.0011/15/2009 12:19:48 PM
extraordinary-bill$50.00$50.0011/15/2009 1:45:24 PM
SWayne2000$25.00$25.0011/15/2009 2:23:29 PM
fireferd$100.00$100.0011/15/2009 2:24:18 PM
UOweMe$50.00$50.0011/15/2009 3:17:29 PM
usd1027$25.00$25.0011/15/2009 3:53:21 PM
quick$50.00$50.0011/15/2009 8:06:55 AM
Free_da_Sheeple$25.00$25.0011/15/2009 4:13:01 PM
northern_paddler$25.00$25.0011/15/2009 4:37:22 PM
BUCS$32.53$32.5311/15/2009 11:46:41 AM
awesome-benefit1$25.00$25.0011/15/2009 5:52:48 PM
NaperLender$50.00$50.0011/15/2009 7:24:10 PM
springpanda$25.00$25.0011/15/2009 3:30:06 PM
tender-ore$25.00$25.0011/16/2009 12:31:45 AM
ronin4sale$25.00$25.0011/16/2009 5:49:04 AM
betheanswer$50.00$50.0011/16/2009 7:54:48 AM
SIU_Saluki_Lending$25.00$25.0011/15/2009 4:33:30 PM
ptjg$100.00$100.0011/16/2009 8:42:07 AM
flshdaskll$25.00$25.0011/15/2009 5:02:35 PM
internetwolf$50.00$50.0011/15/2009 6:15:07 PM
FIRE09$25.00$25.0011/16/2009 10:34:10 AM
CalCollegeFund19$100.00$100.0011/16/2009 9:52:01 AM
lendme2$100.00$100.0011/16/2009 11:43:39 AM
Gobsek$50.00$50.0011/16/2009 7:19:39 AM
kind-funds-tonic$25.00$25.0011/16/2009 12:26:11 PM
investment-star$25.00$25.0011/16/2009 7:54:03 AM
Snoopylover$25.00$25.0011/16/2009 12:20:30 PM
smart-gold$25.00$25.0011/16/2009 8:27:29 AM
Halos2002$50.00$50.0011/16/2009 8:43:57 AM
payout-reaction740$25.00$25.0011/16/2009 9:51:50 AM
martin11$68.00$68.0011/16/2009 2:56:47 PM
sharp-credit$400.00$400.0011/16/2009 3:28:40 PM
MoneyForNothing$25.00$25.0011/16/2009 2:57:59 PM
Searlzy$25.00$25.0011/16/2009 3:18:22 PM
leverage-monger$200.00$200.0011/16/2009 3:39:45 PM
leverage-monger$200.00$200.0011/16/2009 3:40:44 PM
leverage-monger$100.00$100.0011/16/2009 10:33:22 AM
exciting-fairness$150.00$150.0011/16/2009 3:41:05 PM
Lender0000$250.00$250.0011/16/2009 3:42:16 PM
worthy-benjamins$25.00$25.0011/16/2009 3:54:02 PM
Shelby2082$25.00$25.0011/16/2009 11:18:27 AM
friendinmoney$100.00$100.0011/16/2009 4:17:33 PM
himanshuko$50.00$50.0011/16/2009 11:29:24 AM
moneysteward41$25.00$25.0011/16/2009 12:52:15 PM
serene-capital$25.00$25.0011/16/2009 1:39:06 PM
transparency-tomahawk$25.00$25.0011/16/2009 2:22:11 PM
a-reasonable-return$50.00$50.0011/16/2009 2:39:44 PM
Sonihal$29.23$29.2311/16/2009 3:31:43 PM
nimble-revenue$26.42$26.4211/16/2009 3:34:17 PM
icon7$50.00$50.0011/16/2009 3:48:11 PM
Minotaur$50.00$50.0011/16/2009 3:53:53 PM
availableloan$25.00$25.0011/16/2009 3:59:37 PM
money-matrix$25.00$25.0011/16/2009 4:15:08 PM
inforapenny$25.00$25.0011/9/2009 4:19:20 PM
felicity-daydream$25.00$25.0011/9/2009 4:20:25 PM
investor_101$50.00$50.0011/9/2009 4:38:11 PM
bdruss$25.00$25.0011/9/2009 4:51:02 PM
MissionMicroFinance$25.00$25.0011/9/2009 4:53:01 PM
stock_speculator$25.00$25.0011/9/2009 4:54:27 PM
MoneyMann$37.68$37.6811/9/2009 5:21:44 PM
thedoctor$50.00$50.0011/9/2009 5:22:19 PM
benevolent-reward$25.00$25.0011/9/2009 5:23:49 PM
Borrow2Grow$51.00$51.0011/9/2009 5:24:48 PM
MSBMSB$50.00$50.0011/9/2009 5:28:07 PM
biagbigmoney$50.00$50.0011/9/2009 5:15:52 PM
YogaDude34$100.00$100.0011/9/2009 5:37:51 PM
robot777$25.00$25.0011/9/2009 5:21:50 PM
Imaginos1892$200.00$200.0011/9/2009 6:06:42 PM
blot44$50.00$50.0011/9/2009 8:47:46 PM
debtcollector$250.00$250.0011/9/2009 10:50:33 PM
slicrad$25.00$25.0011/10/2009 6:11:29 AM
mcabery$150.00$150.0011/10/2009 6:07:21 AM
jybank$25.00$25.0011/10/2009 6:11:34 AM
enticing-loan4$25.00$25.0011/10/2009 8:03:27 AM
rmachi$25.00$25.0011/9/2009 9:44:53 PM
payontime1$50.00$50.0011/10/2009 11:04:17 AM
WhiteGiant$25.00$25.0011/10/2009 11:57:06 AM
usedtoborrow$25.00$25.0011/10/2009 6:11:27 AM
credit-maple$50.00$50.0011/10/2009 7:24:58 AM
Guiren$100.00$100.0011/10/2009 8:06:20 AM
lastelias$59.52$59.5211/10/2009 8:44:33 AM
CommerciaLender$25.00$25.0011/10/2009 3:29:10 PM
return-accelerator0$25.00$25.0011/10/2009 4:09:35 PM
repayment-radio$50.00$50.0011/10/2009 5:16:34 PM
afterhours$25.00$25.0011/10/2009 6:29:06 PM
Pendruce$30.00$30.0011/10/2009 7:16:21 PM
clemclan$25.00$25.0011/10/2009 7:55:58 PM
revenue-serenity$25.00$25.0011/10/2009 9:13:23 PM
finance-achievement$25.00$25.0011/11/2009 7:14:20 AM
mdc1988$25.00$25.0011/11/2009 9:40:07 AM
productive-currency3$25.00$25.0011/10/2009 6:00:03 PM
captkirby$25.00$25.0011/11/2009 10:31:22 AM
rmachi$25.00$25.0011/10/2009 7:16:05 PM
unk1911$25.00$25.0011/11/2009 10:50:07 AM
mt3209$25.00$25.0011/11/2009 1:20:39 PM
Danika$50.00$50.0011/11/2009 1:17:35 PM
ME-Entrepreneur$25.00$25.0011/11/2009 4:32:40 PM
grishkinabby$25.00$25.0011/11/2009 4:54:29 PM
chuck05$25.00$25.0011/11/2009 5:25:54 PM
JLPicard$50.00$50.0011/11/2009 6:13:02 PM
tkr2$25.00$25.0011/12/2009 5:03:40 AM
allloans4me$50.00$50.0011/11/2009 2:00:32 PM
Gold_Coin$25.00$25.0011/11/2009 4:01:52 PM
Vegan-Girl$50.00$50.0011/12/2009 2:58:56 PM
adventure0$200.00$200.0011/12/2009 7:31:08 PM
buffalobills$25.00$25.0011/13/2009 8:54:33 AM
YoungTaxMan$50.00$50.0011/13/2009 9:34:05 AM
prossperous01$25.00$25.0011/13/2009 3:58:02 AM
G-Love$200.00$200.0011/13/2009 7:42:19 AM
101010$75.00$75.0011/13/2009 8:06:38 AM
Ven58$25.00$25.0011/13/2009 1:06:34 PM
WilliamLeeSims$250.00$250.0011/13/2009 1:39:20 PM
RedCentre$54.55$54.5511/13/2009 1:48:48 PM
Iwantahelp$25.00$25.0011/13/2009 11:25:43 AM
the-auction-lotus$25.00$25.0011/13/2009 4:26:43 PM
Gromac$25.00$25.0011/13/2009 1:23:40 PM
PrivateLenders$25.00$25.0011/13/2009 4:49:10 PM
springpanda$50.00$50.0011/13/2009 10:58:31 PM
psbruce$30.00$30.0011/14/2009 7:00:30 AM
mhammond$50.00$50.0011/14/2009 7:26:13 AM
LtKen717$82.44$82.4411/14/2009 1:30:45 AM
brother_tam$200.00$200.0011/13/2009 5:55:12 PM
airbornn$50.00$50.0011/14/2009 9:09:51 AM
visionary-deal3$100.00$100.0011/14/2009 10:55:58 AM
Feyenoord$25.00$25.0011/14/2009 1:34:03 PM
investmentgroup$25.00$25.0011/15/2009 4:06:32 AM
pilla$100.00$100.0011/15/2009 4:21:01 AM
creativename$30.00$30.0011/14/2009 11:54:48 AM
asymmetries$114.88$114.8811/15/2009 9:09:30 AM
SS123$25.00$25.0011/15/2009 11:38:15 AM
Palacios$100.00$100.0011/15/2009 11:56:11 AM
szasza$50.00$50.0011/15/2009 12:19:01 PM
CheapDolo22$25.00$25.0011/15/2009 12:44:10 PM
malomar66$40.00$40.0011/15/2009 1:01:05 PM
mattblizz$150.00$150.0011/15/2009 2:18:00 PM
drcoop$50.00$50.0011/15/2009 2:53:21 PM
Lotsofbears$25.00$25.0011/15/2009 7:41:51 AM
LesPaul1$25.00$25.0011/15/2009 8:39:02 AM
TheSpottedFlamingo$25.00$25.0011/15/2009 4:15:58 PM
thatsfantastic$50.00$50.0011/15/2009 5:50:26 PM
JTHarris$100.00$100.0011/15/2009 1:01:34 PM
giantfan19$25.00$25.0011/15/2009 7:36:34 PM
GWV2$50.00$50.0011/15/2009 9:36:20 PM
HenryK7$100.00$100.0011/15/2009 9:46:30 PM
BOZO88$25.00$25.0011/15/2009 4:01:07 PM
a2190b$25.00$25.0011/15/2009 4:24:16 PM
dahnkster$44.63$44.6311/16/2009 8:22:28 AM
Castelj$34.00$34.0011/16/2009 7:35:29 AM
p2p-gala$225.00$225.0011/15/2009 6:06:44 PM
JDLanier$25.00$25.0011/15/2009 8:12:43 PM
active-dinero$50.00$50.0011/16/2009 10:35:54 AM
brightest-economy-tsunami$25.00$25.0011/16/2009 10:21:21 AM
impeccable-compassion$50.00$50.0011/16/2009 11:27:34 AM
FjLenders$32.43$32.4311/16/2009 11:30:42 AM
JayK$25.00$25.0011/16/2009 12:13:30 PM
truth-smasher$100.00$100.0011/16/2009 11:44:54 AM
nis240sx$25.00$25.0011/16/2009 11:48:34 AM
Lender50$25.00$25.0011/16/2009 7:31:32 AM
organic-platinum$25.00$25.0011/16/2009 12:16:21 PM
SteadyOne$25.00$25.0011/16/2009 12:41:25 PM
Stillinutah$25.00$25.0011/16/2009 12:28:29 PM
barflyer$25.00$25.0011/16/2009 9:19:50 AM
jimduism$250.00$250.0011/16/2009 1:20:35 PM
Astyanax$25.00$25.0011/16/2009 1:06:52 PM
durability-colonel$50.00$50.0011/16/2009 2:09:49 PM
beemersdad$35.00$35.0011/16/2009 1:47:06 PM
jey6941$25.00$25.0011/16/2009 2:04:01 PM
dealmaster$100.00$100.0011/16/2009 2:31:47 PM
Peterman$25.00$25.0011/16/2009 3:04:20 PM
tekstyle38$25.00$25.0011/16/2009 2:45:34 PM
cozy-duty$25.00$25.0011/16/2009 3:00:38 PM
GABC-1$48.00$48.0011/16/2009 3:03:06 PM
rate-hickory$25.00$25.0011/16/2009 10:14:59 AM
Rider$50.00$50.0011/16/2009 3:39:30 PM
bold-social-advantage$100.00$100.0011/16/2009 3:40:27 PM
Lender0000$150.00$150.0011/16/2009 3:41:49 PM
sharp-credit$198.34$198.3411/16/2009 3:38:54 PM
AM2171$25.00$25.0011/16/2009 4:12:16 PM
rate-hickory$50.00$50.0011/16/2009 3:55:20 PM
Engineer44$25.00$25.0011/16/2009 4:15:55 PM
pilla$69.59$69.5911/16/2009 12:38:29 PM
professional-finance$25.00$25.0011/16/2009 2:18:47 PM
pure-silver$25.00$25.0011/16/2009 3:02:42 PM
encouraging-cash4$25.00$18.3211/16/2009 3:44:53 PM
sincere-investment4$25.00$25.0011/16/2009 4:01:52 PM
TheCashTeam$25.00$25.0011/16/2009 4:09:15 PM
sharp-return7$25.00$25.0011/16/2009 4:16:01 PM
sharp-credit$196.76$196.7611/16/2009 4:16:32 PM
260 bids
 
Borrower Payment Dependent Notes Series 432469
This series of Notes was issued and sold upon the funding of the borrower loan #39594, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 10.94% Starting borrower rate/APR: 11.94% / 14.07% Starting monthly payment: $265.49
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $263.43
 
Auction yield range: 4.29% - 10.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
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: Jun-2001 Debt/Income ratio: 17%
Credit score: 780-799 (Oct-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $737 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: recca Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Start-up Capital for a Franchise
Purpose of loan:
This loan will be used to help fund my franchise start-up.

My financial situation:
I am a good candidate for this loan because I have an excellent credit history (780-800 FICO). I've always been diligent about paying what I owe. And most important, I am passionate about starting my own business. I am a working mom who would like to transition from the 8-5 grind to owning my business. I would like to be able to work hard but still have the flexibility of staying home when my 2 young boys are sick and not having to ask my boss if I could....
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?m curious about the franchise you wish to star. Please provide details as to the product to sell, the cash flow projections and how the loan will be used. - estancias
A: Thank you for your question. I plan to acquire rights to a Kumon Franchise and offer Math and Reading enhancement services for kids. Although the brand is well-known, I would still need to market it locally - and that's where a portion of this loan is going. In addition, I would also need the loan for a lease deposit and buildout payments for the location. For my part, I have already invested my $ in the Franchise Fee. Should you decide to invest, I thank you in advance.... (Nov-11-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rmachi$25.00$25.0011/9/2009 4:18:36 PM
return-elm$25.00$25.0011/9/2009 4:20:18 PM
MONEYLENDER101$100.00$100.0011/9/2009 4:20:40 PM
MTLoans$25.00$25.0011/9/2009 4:21:48 PM
888168$50.00$50.0011/9/2009 4:21:27 PM
350DGRZ$25.00$25.0011/9/2009 4:28:52 PM
rawman$25.00$25.0011/9/2009 4:29:55 PM
dparkhom$25.00$25.0011/9/2009 4:31:59 PM
kchen486$25.00$25.0011/9/2009 4:31:39 PM
iruz$50.00$50.0011/9/2009 4:32:07 PM
MGOT-Ken$25.00$25.0011/9/2009 4:18:22 PM
emo13$50.00$50.0011/9/2009 4:32:23 PM
taxdiscusion$25.00$25.0011/9/2009 4:32:33 PM
miked8303$25.00$25.0011/9/2009 4:33:05 PM
value-pouch$25.00$25.0011/9/2009 4:33:11 PM
gizzywump$25.00$25.0011/9/2009 4:33:14 PM
wormdc$25.00$25.0011/9/2009 4:33:43 PM
wdove511$25.00$25.0011/9/2009 4:20:23 PM
harperpotok$100.00$100.0011/9/2009 4:21:39 PM
love_what_you_do$25.00$25.0011/9/2009 4:34:50 PM
fervent-repayment$25.00$25.0011/9/2009 4:34:55 PM
gentle-gold$25.00$25.0011/9/2009 4:35:36 PM
awwaww$25.00$25.0011/9/2009 4:35:58 PM
subtle-interest$25.00$25.0011/9/2009 4:39:33 PM
selector568$66.89$66.8911/9/2009 4:40:08 PM
wise-rupee-armada$25.00$25.0011/9/2009 4:41:04 PM
sellbuy40$50.00$50.0011/9/2009 4:41:24 PM
uncleegg$25.00$25.0011/9/2009 4:41:30 PM
roto$25.00$25.0011/9/2009 4:30:23 PM
granitepk$25.00$25.0011/9/2009 4:42:07 PM
BlindSquirrel$25.00$25.0011/9/2009 4:42:17 PM
Steveoo1$25.00$25.0011/9/2009 4:42:18 PM
Dazz2061$25.00$25.0011/9/2009 4:42:42 PM
basis-mammal$25.00$25.0011/9/2009 4:42:46 PM
superindex$25.00$25.0011/9/2009 4:43:02 PM
newbietony$40.00$40.0011/9/2009 4:43:22 PM
point-shooter$25.00$25.0011/9/2009 4:44:43 PM
lenderme$25.00$25.0011/9/2009 4:46:26 PM
kirkjerk$25.00$25.0011/9/2009 4:46:54 PM
dpfl55$25.00$25.0011/9/2009 4:47:12 PM
loan-warrior$25.00$25.0011/9/2009 4:34:44 PM
credit-force5$25.00$25.0011/9/2009 4:47:38 PM
tolstoy00$25.00$25.0011/9/2009 4:48:11 PM
donmacprosper$25.00$25.0011/9/2009 4:48:25 PM
wise-cash-keeper$50.00$50.0011/9/2009 4:49:40 PM
o0Sparrow0o$25.00$25.0011/9/2009 4:49:54 PM
hopethisworks$50.00$50.0011/9/2009 4:50:01 PM
mizon291$25.00$25.0011/9/2009 4:50:23 PM
Tai$25.00$25.0011/9/2009 4:37:09 PM
the-money-gargantuan$25.00$25.0011/9/2009 4:50:34 PM
Banker7371$25.00$25.0011/9/2009 4:37:56 PM
lend_to_you$25.00$25.0011/9/2009 4:51:15 PM
lowestghost$25.00$25.0011/9/2009 4:51:28 PM
dinero-philosopher3$25.00$25.0011/9/2009 4:38:39 PM
nowits10$25.00$25.0011/9/2009 4:51:55 PM
orbiter614$75.00$75.0011/9/2009 4:52:40 PM
credit-bearer959$25.00$25.0011/9/2009 4:39:47 PM
geniusj$25.00$25.0011/9/2009 4:52:57 PM
sharkm$25.00$25.0011/9/2009 4:53:20 PM
lloyd_s$25.00$25.0011/9/2009 4:40:24 PM
SoCalRancher$25.00$25.0011/9/2009 4:53:50 PM
iolaire$25.00$25.0011/9/2009 4:40:56 PM
worldly-order1$25.00$25.0011/9/2009 4:54:19 PM
PsiPro$25.00$25.0011/9/2009 4:54:43 PM
E_G$30.00$30.0011/9/2009 4:55:02 PM
dirkjan$25.00$25.0011/9/2009 4:42:34 PM
cybertekz$25.00$25.0011/9/2009 4:56:43 PM
sidney102$25.00$25.0011/9/2009 4:56:20 PM
HuckerJ$25.00$25.0011/9/2009 4:57:14 PM
transaction-axis$25.00$25.0011/9/2009 5:09:30 PM
tremendous-payment$25.00$25.0011/9/2009 5:11:35 PM
refined-income7$25.00$25.0011/9/2009 4:47:55 PM
CAGE-Investments$25.00$25.0011/9/2009 5:11:42 PM
KailuaLender$25.00$25.0011/9/2009 4:48:54 PM
commitment-forte6$25.00$25.0011/9/2009 5:14:27 PM
leodaguy$25.00$25.0011/9/2009 4:51:38 PM
HUNTER599673$25.00$25.0011/9/2009 4:52:16 PM
FutureLenderEC$25.00$25.0011/9/2009 4:52:37 PM
justice-hawk$25.00$25.0011/9/2009 4:54:56 PM
cash-tsunami$25.00$25.0011/9/2009 4:56:44 PM
Minotaur$36.00$36.0011/9/2009 4:57:12 PM
Diosia$25.00$25.0011/9/2009 4:57:42 PM
HarrisonHome$25.00$25.0011/9/2009 4:58:16 PM
AF-Chief$25.00$25.0011/9/2009 5:11:24 PM
unk1911$25.00$25.0011/10/2009 1:05:31 PM
five-star-justice$36.00$36.0011/11/2009 6:53:33 AM
msullivaniii$25.00$25.0011/11/2009 7:14:56 PM
wack-a-mole$50.00$50.0011/12/2009 7:08:33 AM
ujiba$25.00$25.0011/12/2009 4:14:44 PM
manugee$50.00$50.0011/12/2009 4:28:27 PM
asset-caballero$25.00$25.0011/12/2009 6:24:27 PM
OzGuy609$25.00$25.0011/12/2009 7:43:03 PM
himanshuko$60.00$60.0011/13/2009 9:21:40 AM
JerryB96$25.00$25.0011/16/2009 7:04:05 AM
vikings23$25.00$25.0011/16/2009 7:22:59 AM
Astyanax$25.00$25.0011/16/2009 1:08:10 PM
icon7$50.00$50.0011/16/2009 3:49:50 PM
ytjameslee$50.00$50.0011/9/2009 4:18:47 PM
payout-point$100.00$100.0011/9/2009 4:19:09 PM
julijask$25.00$25.0011/9/2009 4:20:00 PM
MoneyU4IA$25.00$25.0011/9/2009 4:20:11 PM
pragmatic-camaraderi$25.00$25.0011/9/2009 4:20:47 PM
Hondo$25.00$25.0011/9/2009 4:20:53 PM
payout-reaction740$25.00$25.0011/9/2009 4:20:55 PM
mamayama$25.00$25.0011/9/2009 4:21:58 PM
vengy$25.00$25.0011/9/2009 4:22:29 PM
SDNLR$25.00$25.0011/9/2009 4:22:05 PM
kulender$25.00$25.0011/9/2009 4:22:21 PM
LandoC1$25.00$25.0011/9/2009 4:29:11 PM
GOPHERBOY$30.00$30.0011/9/2009 4:30:06 PM
cash-boots$25.00$25.0011/9/2009 4:30:45 PM
wrighco$25.00$25.0011/9/2009 4:31:27 PM
generosity-neutrino$25.00$25.0011/9/2009 4:31:46 PM
GatorBux$100.00$100.0011/9/2009 4:18:10 PM
lucrative-worth$25.00$25.0011/9/2009 4:32:11 PM
TakeCare$100.00$100.0011/9/2009 4:32:58 PM
SonomaHills$25.00$25.0011/9/2009 4:32:39 PM
spin-kick$25.00$25.0011/9/2009 4:32:47 PM
antlr$25.00$25.0011/9/2009 4:33:21 PM
flwah$50.00$50.0011/9/2009 4:19:48 PM
TrustPlus$50.00$50.0011/9/2009 4:33:31 PM
katnmouse$25.00$25.0011/9/2009 4:33:51 PM
responsibility-butterfly$25.00$25.0011/9/2009 4:33:53 PM
BigLinCT$25.00$25.0011/9/2009 4:20:27 PM
hard-working-loot$25.00$25.0011/9/2009 4:33:57 PM
TandyJames$50.00$50.0011/9/2009 4:34:14 PM
jd006006$50.00$50.0011/9/2009 4:34:17 PM
kenyonhillbilly$25.00$25.0011/9/2009 4:34:32 PM
tallmon$25.00$25.0011/9/2009 4:22:10 PM
bonus-antioxidant$25.00$25.0011/9/2009 4:34:57 PM
repayment-chef$25.00$25.0011/9/2009 4:35:09 PM
JGB$25.00$25.0011/9/2009 4:35:21 PM
syounker$25.00$25.0011/9/2009 4:22:46 PM
bold-enthralling-yield$25.00$25.0011/9/2009 4:35:25 PM
TheBiggTree$25.00$25.0011/9/2009 4:35:39 PM
wise-spirited-nickel$25.00$25.0011/9/2009 4:35:49 PM
fortytwo$150.00$150.0011/9/2009 4:24:02 PM
Cheburashka$30.00$30.0011/9/2009 4:36:15 PM
Goodlender42$25.00$25.0011/9/2009 4:36:34 PM
turbospeed$25.00$25.0011/9/2009 4:38:18 PM
CallMeBen$25.00$25.0011/9/2009 4:38:24 PM
Cai8899$50.00$50.0011/9/2009 4:38:51 PM
sloak$25.00$25.0011/9/2009 4:39:45 PM
Lesburger$25.00$25.0011/9/2009 4:39:53 PM
efficient-bid2$25.00$25.0011/9/2009 4:29:04 PM
supersarah61$25.00$25.0011/9/2009 4:40:49 PM
market-solstice2$25.00$25.0011/9/2009 4:29:22 PM
ekn_enterprises$25.00$25.0011/9/2009 4:29:33 PM
bdloans$100.00$100.0011/9/2009 4:41:14 PM
aasx1108$25.00$25.0011/9/2009 4:41:45 PM
RochelleW$50.00$50.0011/9/2009 4:41:49 PM
moola-rose8$25.00$25.0011/9/2009 4:42:24 PM
TrueLending$25.00$25.0011/9/2009 4:42:40 PM
get30inc$50.00$50.0011/9/2009 4:43:04 PM
social-gatherer7$25.00$25.0011/9/2009 4:44:12 PM
blue-liberty-gourd$25.00$25.0011/9/2009 4:44:44 PM
zoomdrm57$50.00$50.0011/9/2009 4:34:06 PM
first-wampum-trapper$25.00$25.0011/9/2009 4:34:24 PM
SunsetCoastCapital$25.00$25.0011/9/2009 4:47:03 PM
HunterSix$25.00$25.0011/9/2009 4:47:09 PM
peaceful-bid$25.00$25.0011/9/2009 4:47:37 PM
worthy-truth$25.00$25.0011/9/2009 4:35:43 PM
Gadgetae86$25.00$25.0011/9/2009 4:49:19 PM
Luigi$25.00$25.0011/9/2009 4:49:34 PM
vegibenz$25.00$25.0011/9/2009 4:50:09 PM
bigdogsafety1$25.00$25.0011/9/2009 4:50:12 PM
radiant-cash$67.17$67.1711/9/2009 4:51:07 PM
the_winning_ticket$35.00$35.0011/9/2009 4:51:47 PM
inspired-agreement$25.00$25.0011/9/2009 4:38:34 PM
resource777$25.00$25.0011/9/2009 4:52:31 PM
bds9646$25.00$25.0011/9/2009 4:53:04 PM
MoneySiles$25.00$25.0011/9/2009 4:53:07 PM
wampum-chorus3$25.00$25.0011/9/2009 4:40:10 PM
vkorichkov$35.00$35.0011/9/2009 4:40:22 PM
desertoasis$50.00$50.0011/9/2009 4:53:46 PM
reliable-dough3$25.00$25.0011/9/2009 4:54:51 PM
Rupees_n_Pesos$25.00$25.0011/9/2009 4:55:20 PM
whiterabbit1874$25.00$25.0011/9/2009 4:42:04 PM
serpentine$50.00$50.0011/9/2009 4:55:32 PM
market-honker$100.00$100.0011/9/2009 4:42:35 PM
Patrician$100.00$100.0011/9/2009 4:55:50 PM
burgeoning-silver$25.00$25.0011/9/2009 4:56:11 PM
Aeroman32$25.00$25.0011/9/2009 4:43:11 PM
cberthiaume$25.00$25.0011/9/2009 4:57:17 PM
CASHGIRL$75.00$75.0011/9/2009 4:43:26 PM
uga$25.00$25.0011/9/2009 4:56:49 PM
bigphish$25.00$25.0011/9/2009 4:57:59 PM
Diamond_Jim$25.00$25.0011/9/2009 4:43:47 PM
WilliamLeeSims$25.00$25.0011/9/2009 4:57:35 PM
MoneyPlant$25.00$25.0011/9/2009 5:08:32 PM
RSV$25.00$25.0011/9/2009 5:09:39 PM
wise-bonus-honker$25.00$25.0011/9/2009 4:46:33 PM
Fortuno_per_commodo$50.00$50.0011/9/2009 4:46:47 PM
chlebie$50.00$50.0011/9/2009 5:10:51 PM
zigzagz03$25.00$25.0011/9/2009 5:11:09 PM
mh1169$25.00$25.0011/9/2009 4:49:28 PM
All_Wins$25.00$25.0011/9/2009 5:13:04 PM
income-rocker2$250.00$205.9911/9/2009 5:15:02 PM
adaptiveanimal$25.00$25.0011/9/2009 4:51:09 PM
evmeta$25.00$25.0011/9/2009 4:53:35 PM
discrete-asset$25.00$25.0011/9/2009 4:56:37 PM
quintilian$50.00$50.0011/9/2009 5:10:08 PM
affluence-tycoon$25.00$25.0011/9/2009 5:10:34 PM
SPB$25.00$25.0011/9/2009 5:11:21 PM
allocator5$25.00$25.0011/9/2009 5:13:35 PM
neenerman$25.00$25.0011/9/2009 5:13:55 PM
minista$25.00$25.0011/9/2009 5:39:50 PM
enticing-treasure5$25.00$25.0011/9/2009 5:40:00 PM
BenR$100.00$100.0011/9/2009 6:33:14 PM
blot44$25.00$25.0011/9/2009 8:51:46 PM
greenback-floret$50.00$50.0011/10/2009 7:11:41 AM
Syzygy$25.00$25.0011/10/2009 7:46:22 PM
interstellar$38.55$38.5511/11/2009 9:01:29 AM
leverage-monger$100.00$100.0011/12/2009 9:41:57 AM
Moneypenny6$25.00$25.0011/12/2009 8:18:10 PM
adventure0$200.00$200.0011/12/2009 7:33:46 PM
LoanDMC$25.00$25.0011/13/2009 9:00:52 PM
buffalobills$25.00$25.0011/13/2009 7:13:51 PM
building_community$25.00$25.0011/14/2009 6:34:38 PM
fireferd$50.00$50.0011/15/2009 2:25:26 PM
Skulljocky$50.00$50.0011/15/2009 4:08:17 PM
worth-matador$25.00$25.0011/15/2009 5:22:19 PM
wwwUniversal$25.00$25.0011/15/2009 6:52:17 PM
fairmaiden$25.00$25.0011/16/2009 4:46:14 AM
GWV2$50.00$50.0011/15/2009 9:30:30 PM
HenryK7$50.00$50.0011/15/2009 9:54:39 PM
buckyhead2000$25.00$25.0011/16/2009 11:17:51 AM
Snoopylover$25.00$25.0011/16/2009 12:20:31 PM
versatile-integrity1$25.00$25.0011/16/2009 9:40:30 AM
miket71$39.40$39.4011/16/2009 10:40:56 AM
230 bids
 
Borrower Payment Dependent Notes Series 432475
This series of Notes was issued and sold upon the funding of the borrower loan #39554, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-15-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $90.47
 
Auction yield range: 17.29% - 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: Jan-2001 Debt/Income ratio: 14%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $216 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 66%Stated income:$1-$24,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 2    
Screen name: cash-rhythm Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Vicious payday and title loan cycle
Purpose of loan:
This loan will be used to? Consolidate my debt. Most importantly the vicious cycle of "payday loans" and "title loans". I've worked very hard to re-establish a good credit score, and while title and payday loans have helped to get my score back to almost 690, I find myself having to keep extending them rather than pay them off to the tune of? $665 a month in interest. The ability to consolidate into an afforadable monthly payment would be a huge burden off of my family.
Thank you!!!

My financial situation:
I am a good candidate for this loan because? I work in banking myself and get to see first hand the consequences of having poor credit and not keeping up with loan and bill payments.? Also, my father owns the home I live in which keeps my monthly expenses down making keeping up with a loan payment easily managable.

Monthly net income: $ 1376.48

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $?150.00
??Utilities: $ 0
??Phone, cable, internet: $?150.00
??Food, entertainment: $?400
??Clothing, household expenses $?70.00
??Credit cards and other loans: $ 130.00
??Other expenses: $ North Eastern Title Loans - Principle - 1250.00?
????????????????????????????????????????????????????????????Monthly intrest - 400.00 (Open since June)

?????????????????????????????Discountadvances.com?? -? Principle - 770.00
????????????????????????????????????????????????????????????Monthly intrest - 265.00 (Open since June)
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 explain the delinquincies and the public record shown on your listing. Please answer publicly. Thanks. - tigercat
A: Medical bills resulting from the birth of my daughter in Jan of 08 were the main reason for the delinquincies. The public record was the resulting bankruptcy discharged in Sept 08. In hindsight Im seeing that bankruptcy was not the way to go, however, in the 14 months since the bankruptcy was discharged I've raised my credit score from 540 to 690 and am working very hard to keep that number on the rise. (Nov-11-2009)
Q: Thanks for your prompt response. I've placed a bid - I truly detest the payday loan sharks and am glad to help you get out from under them. - tigercat
A: Thank you sooo much! I realize I'm considered "high risk" here, but I look forward to proving to be a person who is a good investment!! (Nov-11-2009)
Q: Congratulations on a large credit score increase. It appears that your cash flow situation will be markedly improved, about $580/mo with a $90 loan that will be pd in 3ry. Would you please clarify your job situation. thanks jj - quickstep
A: Thanks so much for you intrest in my listing. The reason for the "other" status in my job description was that there were no other options in the drop down box that really described my job. My actual job title is Assistant Teller Manager for a large bank in my area. Thans so much again. I hope this answers your question and if you have anything else youd like to know please dont hesitate to ask. (Nov-15-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SNH$50.00$50.0011/9/2009 4:54:03 PM
periko$50.00$50.0011/13/2009 6:55:33 AM
exciting-fairness$150.00$150.0011/13/2009 4:09:27 PM
carrinel$75.00$75.0011/13/2009 4:47:38 PM
quickstep$25.00$25.0011/14/2009 4:30:16 PM
quickstep$100.00$100.0011/15/2009 1:24:40 AM
reflective-rupee$280.00$280.0011/15/2009 8:42:02 AM
reflective-rupee$200.00$200.0011/15/2009 8:37:38 AM
reflective-rupee$220.00$220.0011/15/2009 8:42:44 AM
Invest4kids$50.00$50.0011/15/2009 10:23:03 AM
randsenterprise$25.00$25.0011/15/2009 9:08:49 AM
unk1911$25.00$25.0011/11/2009 2:32:04 PM
tigercat$50.00$50.0011/11/2009 3:22:19 PM
silvercertificate$25.00$25.0011/12/2009 9:32:03 AM
dfl$50.00$50.0011/13/2009 6:30:50 AM
well-mannered-income3$25.00$25.0011/12/2009 7:51:58 PM
tigercat$50.00$50.0011/14/2009 3:32:07 PM
quickstep$75.00$75.0011/15/2009 5:51:28 AM
reflective-rupee$40.00$40.0011/15/2009 8:37:55 AM
quickstep$200.00$135.0011/15/2009 9:30:33 AM
jrw$100.00$100.0011/15/2009 10:45:35 AM
MrBadExample$200.00$200.0011/15/2009 12:14:29 PM
22 bids
 
Borrower Payment Dependent Notes Series 432519
This series of Notes was issued and sold upon the funding of the borrower loan #39555, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-10-2009 
  Auction end date:  Nov-17-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $135.71
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 4 First credit line: Mar-2001 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2009) Current / open credit lines: 3 / 1Employment status:Not employed
Now delinquent: 1 Total credit lines: 44Length of status:0y 3m
Amount delinquent: $600 Revolving credit balance: $6Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: peaceful-basis0 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for my last semester
Purpose of loan:
This loan will be used to? pay for my last semester of graduate school.? Because of the current state of the economy and tightened credit criteria I was not able to borrow what I needed from a large bank like Citbank or PNC.? I was able to borrow a Stafford loan for part of the tuition but I still owe $2748.61.? Borrowing this money is important because while I have an outstanding balance with my University, I have no access to my official transcripts.? Without official transcripts, it will be difficult to find a job.? Please contact me if you have any questions.? I would be happy to provide university transcripts (unofficial copies as of 9-09) and/or the American Association of Physicists in Medicine (AAPM) 2008 salary survey as evidence for my employability and earning potential.

My financial situation:
I am a good candidate for this loan because? I will have my Masters degree in medical physics from the University of Pennsylvania in December of this year (2009).? Once I have a job as a medical physicist, my annual salary will very likely be $80,000 to 100,000.? If I cannot immediately obtain employment as a medical physicist, I will seek temporary employment as an HVAC technician, which was my profession before I returned to school in 2005.? The monthly payments on this loan will be easily manageable in either case.

Also, my credit is very nearly flawless.? I have had several revolving credit accounts for several years and never been late once for a monthly payment.? The only "flaw" in my credit history is a fraudulent contract that a martial arts gym illegally opened in my name in June, 2008.? I was told I was signing a bank withdrawal form, but apparently it was an application for a $5,400 line of credit to pay for the classes, not one of which have I ever attended.? If I had the money to sue the company (Performance Equity Partners), several lawyers have said that it would be an easy win.? Lawyer fees, however, are well beyond the fixed budget of a graduate student, and that endeavor will have to wait until I am finished with school.? Please contact me if you have any questions about this matter or any other regarding my ability to pay back this loan.

note:? If you are looking for lender bids from my friends and family...? This will be difficult for me as Pennsylvania, where I have lived since I was 4, does not allow lending, only borrowing.
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: (Silly Pennsylvania... :-\) Anyways, I'm sure you tried getting student grad PLUS loans... Why didn't that go through? Thanks, and good luck! - TheAlchemist
A: I will try, but I have read that any defaults on my credit report will disqualify me. My credit scores right now are 721, 734, and 658, and I can't get approved for a loan, even with my mother cosigning!!! Her credit is flawless but this one (completely fraudulent) negative item is all anyone seems to care about. For the past 3 years I have been borrowing Cittiassist private loans with my mother cosigning and this semester is the first time I have had a problem. (Nov-11-2009)
Q: Hey I'm a Penn alum. Can you send me your unofficial transcript? - SeeksValue
A: I don't think I can send a document through the Prosper email system. If you send me another email address I will send you the transcript. (Nov-11-2009)
Q: Also, I'm a little confused. You haven't graduated yet, so what's with the picture of you in a cap and gown?? - SeeksValue
A: I completed my BA in physics at Penn as well. (Nov-11-2009)
Q: Hi, what is your current monthly cost of living? Since the Prosper loan is just enough to cover your tuition balance, how do you plan on supporting yourself while you are looking for a job? - SweetHomeChicago
A: Between rent, utilities, insurance, and credit cards, I pay out about $1500 per month. My entire tuition balance is actually $5,749. My father promised to lend me $3000 some time in December and my mother lent me several thousand earlier in the semester to take care of my living expenses. I have enough money to live on (and pay for this loan) until January. If I don't have a physics position lined up by then I will be seeking temporary employment as an HVAC technician. (Nov-14-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SeeksValue$50.00$50.0011/11/2009 8:43:03 PM
reflective-rupee$240.00$196.5411/13/2009 7:28:15 AM
SweetHomeChicago$250.00$250.0011/14/2009 3:27:18 PM
marwadi-62$25.00$25.0011/15/2009 7:50:06 AM
DasMula$50.00$50.0011/15/2009 8:47:56 PM
ColoradoBanker$35.00$35.0011/15/2009 2:41:52 PM
DasMula$50.00$50.0011/15/2009 8:48:19 PM
bentdm$50.00$50.0011/16/2009 6:53:45 AM
lendme2$50.00$50.0011/16/2009 12:24:52 PM
p2p-gala$25.00$25.0011/16/2009 4:21:02 PM
People-for-people$50.00$50.0011/16/2009 4:47:55 PM
lender12345$32.82$32.8211/16/2009 5:34:13 PM
vivacious-p2p3$25.00$25.0011/17/2009 10:21:02 AM
Astyanax$25.00$25.0011/17/2009 10:22:43 AM
Silverling6$31.64$31.6411/16/2009 9:08:23 PM
durability-colonel$50.00$50.0011/17/2009 1:23:20 PM
sparkling-contract7$50.00$50.0011/17/2009 5:11:12 AM
RecoveryLender$25.00$25.0011/17/2009 3:57:38 PM
branaa99$25.00$25.0011/17/2009 3:51:45 PM
DasMula$50.00$50.0011/17/2009 4:13:11 PM
SweetHomeChicago$25.00$25.0011/17/2009 1:48:59 PM
nikkky2000$100.00$100.0011/17/2009 4:12:35 PM
SeeksValue$450.00$450.0011/13/2009 12:30:15 AM
Eloise62$75.00$75.0011/13/2009 9:40:28 AM
Unitas4302$200.00$200.0011/13/2009 6:03:09 PM
TakeCare$200.00$200.0011/13/2009 9:23:22 PM
promise3$25.00$25.0011/15/2009 10:16:27 AM
think_globally_act_locally$50.00$50.0011/15/2009 11:49:26 PM
DasMula$50.00$50.0011/15/2009 8:47:41 PM
kingbob$29.00$29.0011/16/2009 10:10:26 AM
reliable-vigilance$50.00$50.0011/16/2009 4:24:13 PM
Hawkeyebank$25.00$25.0011/16/2009 5:12:34 PM
Rule62$25.00$25.0011/16/2009 5:40:03 PM
leverage-hawk$25.00$25.0011/16/2009 6:26:20 PM
BlueProteus$25.00$25.0011/16/2009 6:55:07 PM
Loanstou$100.00$100.0011/16/2009 6:04:59 PM
mrthatcher$50.00$50.0011/16/2009 6:18:45 PM
sparkling-funds$25.00$25.0011/16/2009 6:50:16 PM
Ronnieboy888$25.00$25.0011/17/2009 9:27:50 AM
plaudvr07$25.00$25.0011/17/2009 10:53:03 AM
aks12$25.00$25.0011/17/2009 11:03:05 AM
dorypro$25.00$25.0011/17/2009 6:46:12 AM
SweetHomeChicago$25.00$25.0011/17/2009 1:47:19 PM
KnightKSU$50.00$50.0011/17/2009 3:14:55 PM
kindness-jedi$75.00$75.0011/17/2009 2:16:16 PM
ayiticheri$25.00$25.0011/17/2009 3:44:59 PM
nikkky2000$50.00$50.0011/17/2009 4:13:40 PM
47 bids
 
Borrower Payment Dependent Notes Series 432565
This series of Notes was issued and sold upon the funding of the borrower loan #39543, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.68% Starting monthly payment: $56.64
Final lender yield: 17.00% Final borrower rate/APR: 18.00% / 20.46% Final monthly payment: $54.23
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.89%  
Lender servicing fee: 1.00% Estimated return: 10.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Nov-1994 Debt/Income ratio: 5%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 3 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:6y 2m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 0    
Screen name: eman48 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
car repairs
Purpose of loan:
This loan will be used to?
car repairs
My financial situation:
I am a good candidate for this loan because i make sure that my bills are paid every month and im also a lender
Monthly net income: $
3000
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 200
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IPG1$25.00$25.0011/9/2009 5:13:09 PM
Pickmar$25.00$25.0011/11/2009 7:42:16 AM
Streamfeeder$50.00$50.0011/13/2009 9:39:04 AM
LoanDMC$25.00$25.0011/13/2009 9:04:34 PM
Feyenoord$25.00$25.0011/14/2009 1:26:49 PM
hellasow$25.00$25.0011/14/2009 1:00:33 PM
gothampark$25.00$25.0011/14/2009 3:09:54 PM
fireferd$100.00$100.0011/15/2009 2:29:37 PM
Leshan$50.00$50.0011/16/2009 1:07:03 PM
Techne_Funds_LLC$25.00$25.0011/16/2009 4:16:00 PM
wild-orange$500.00$500.0011/16/2009 4:12:12 PM
efficient-bid2$200.00$110.0011/16/2009 4:18:02 PM
steiglends$50.00$50.0011/9/2009 5:23:58 PM
EngineersAlliance$75.00$75.0011/10/2009 12:31:18 PM
aurorafinancial$30.00$30.0011/11/2009 3:20:54 PM
five-star-note$35.00$35.0011/13/2009 2:09:09 PM
marwadi-62$50.00$50.0011/13/2009 12:02:49 PM
BlessedEveryDay$25.00$25.0011/14/2009 6:04:12 AM
carrinel$100.00$100.0011/16/2009 9:49:20 AM
Snoopylover$25.00$25.0011/16/2009 12:20:36 PM
beachfunder$25.00$25.0011/16/2009 4:16:08 PM
jybank$25.00$25.0011/16/2009 4:18:42 PM
icon7$25.00$25.0011/16/2009 4:18:46 PM
mala54$25.00$25.0011/16/2009 11:49:51 AM
TakeCare$25.00$25.0011/16/2009 4:15:30 PM
25 bids
 
Borrower Payment Dependent Notes Series 432811
This series of Notes was issued and sold upon the funding of the borrower loan #39549, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Nov-10-2009 
  Auction end date:  Nov-17-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $113.09
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Apr-1984 Debt/Income ratio: 49%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:1y 1m
Amount delinquent: $0 Revolving credit balance: $5,320 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: bold-noble-loot Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Repairs on car
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/10/2009 4:40:06 PM
reflective-rupee$50.00$50.0011/10/2009 4:57:06 PM
reflective-rupee$25.00$25.0011/11/2009 3:32:45 PM
reflective-rupee$25.00$25.0011/11/2009 3:35:53 PM
Eloise62$75.00$75.0011/12/2009 12:33:48 PM
TakeCare$100.00$100.0011/14/2009 3:34:55 PM
reflective-rupee$50.00$50.0011/15/2009 6:47:23 PM
well-mannered-income3$25.00$25.0011/16/2009 5:36:43 AM
DasMula$150.00$150.0011/15/2009 5:26:21 PM
reflective-rupee$400.00$400.0011/16/2009 1:49:25 PM
reliable-vigilance$25.00$25.0011/16/2009 4:51:48 PM
capital-galaxy$125.00$125.0011/16/2009 5:43:06 PM
well-mannered-income3$25.00$25.0011/16/2009 7:59:36 PM
income-rocker2$250.00$225.0011/16/2009 9:39:42 PM
cunning-compassion1$25.00$25.0011/16/2009 11:26:42 PM
DasMula$100.00$100.0011/17/2009 6:03:07 AM
reflective-rupee$250.00$250.0011/16/2009 5:27:11 PM
mt3209$25.00$25.0011/16/2009 5:34:08 PM
DasMula$100.00$100.0011/17/2009 6:26:01 AM
reflective-rupee$25.00$25.0011/10/2009 4:56:57 PM
reflective-rupee$25.00$25.0011/11/2009 3:33:00 PM
reflective-rupee$25.00$25.0011/11/2009 3:35:35 PM
reflective-rupee$125.00$125.0011/11/2009 8:03:46 PM
reflective-rupee$25.00$25.0011/11/2009 3:35:18 PM
reflective-rupee$25.00$25.0011/11/2009 3:36:08 PM
moo916$50.00$50.0011/11/2009 8:18:04 PM
well-mannered-income3$25.00$25.0011/12/2009 9:53:59 AM
well-mannered-income3$25.00$25.0011/14/2009 5:37:14 PM
bankbuddy55$25.00$25.0011/15/2009 6:58:08 AM
vegaslender88$25.00$25.0011/16/2009 4:18:53 PM
sirguyon$50.00$50.0011/16/2009 2:38:30 PM
lender12345$25.00$25.0011/16/2009 5:29:32 PM
reflective-rupee$100.00$100.0011/16/2009 7:51:25 PM
groundsquirrel$25.00$25.0011/16/2009 7:43:53 PM
Ronnieboy888$25.00$25.0011/17/2009 9:32:13 AM
reflective-rupee$50.00$50.0011/16/2009 7:38:11 PM
36 bids
 
Borrower Payment Dependent Notes Series 432845
This series of Notes was issued and sold upon the funding of the borrower loan #39582, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 33.39% Final monthly payment: $107.50
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 16.08%  
Lender servicing fee: 1.00% Estimated return: 13.92%  
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-1997 Debt/Income ratio: 36%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:2y 0m
Amount delinquent: $0 Revolving credit balance: $11,231 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Kotoku Borrower's state: Virginia Borrower's group: FUTURE FINANCIAL FREEDOM 1
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 95% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 1 ( 5% )  
640-659 (Jan-2008)
 
Principal balance: $965.44 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Consolidating Payments for School
Purpose of loan:
The purpose of this loan is to allow for an easier transition between semesters. Student loan disbursements are made twice a year and this will help consolidate current payments made monthly (car insurance, website maintenance, a few small credit cards for Christmas) into one small payment to help mitigate monthly expenses between disbursements. I will still be working but this will allow me to continue my studies and earn more money in the future.

My financial situation:
?I live within my means, and I know what my means are. In an economy like this there is no better place to be than school, and I am more than capable of working and going to school, making this a reliable loan. I have never been late on a loan payment (once I changed bank accounts, but as it shows it was less than a month, I just had to reprocess the payment) (I took out a prosper loan once before to work on a technology project) and with something as important as education you can't afford to wait, so I come to you, the members of Prosper, asking for help. I pay almost no bills, I live in a small $300 dollar utility included apartment, and I make a? nice salary, especially in this lower cost of living part of the country, all my benefits are covered so no worries about any medical expenses, I do well, and will repay on time every month without fail. Utilization is slightly higher than my last set of loans because of the recent market issues limits have dropped without warning or rationale. I have stock and will set aside student loan money, you will never have to worry about getting your money bank, I stand by my word when I borrow as my credit history shows.

Monthly net income: $ 2100

Monthly expenses:$990
??Housing: $ 300
??Insurance: $ 200
??Car expenses: $ 225
??Utilities: $ 0
??Phone, cable, internet: $ 15
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 150
??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
BidderAmount BidAmount WinningBid Date (PT)
People-for-people$50.00$50.0011/12/2009 10:45:43 AM
TakeCare$50.00$50.0011/13/2009 10:03:22 PM
reflective-rupee$25.00$25.0011/17/2009 3:28:58 PM
investment-visionary$25.00$25.0011/18/2009 1:28:08 PM
Leshan$52.22$52.2211/18/2009 1:17:49 PM
sparkling-funds$25.00$25.0011/18/2009 2:27:33 PM
shrewd-income$100.00$100.0011/18/2009 3:35:39 PM
LanceLink$28.83$28.8311/18/2009 3:51:40 PM
Astyanax$25.00$25.0011/18/2009 9:53:05 AM
himistu22$25.00$25.0011/18/2009 2:49:25 PM
randsenterprise$25.00$25.0011/18/2009 2:53:42 PM
crjmechanic$25.00$25.0011/18/2009 3:57:40 PM
TakeCare$50.00$50.0011/18/2009 10:27:16 PM
DonDiego$25.00$25.0011/18/2009 9:51:32 PM
hektek22$300.00$300.0011/18/2009 10:29:27 PM
SouthernRemarketing$25.00$25.0011/19/2009 5:20:36 AM
invincible-gain$80.00$80.0011/19/2009 9:12:39 AM
penny-surgeon$25.00$25.0011/19/2009 9:34:33 AM
leverage-monger$200.00$200.0011/19/2009 9:58:20 AM
clemclan$26.35$26.3511/18/2009 8:16:39 PM
shrewd-income$150.00$150.0011/19/2009 7:11:26 AM
RecoveryLender$25.00$25.0011/19/2009 9:55:33 AM
Engineer44$25.00$25.0011/19/2009 10:01:06 AM
reflective-rupee$25.00$25.0011/12/2009 11:56:55 AM
reflective-rupee$50.00$50.0011/12/2009 3:40:01 PM
return-grizzly$100.00$100.0011/13/2009 4:13:12 PM
shawnw2$35.00$35.0011/16/2009 1:15:40 PM
reflective-rupee$25.00$25.0011/17/2009 3:29:20 PM
EEasyMoney$50.00$50.0011/17/2009 3:41:27 PM
zone6$200.00$200.0011/18/2009 11:23:51 AM
LeoBUSIIT$25.00$25.0011/18/2009 12:44:27 PM
srthsvghdthtr$25.00$25.0011/18/2009 1:29:39 PM
rlbbank$25.00$25.0011/18/2009 2:42:09 PM
Rulea72$79.87$79.8711/18/2009 10:32:28 AM
bazaar-pizza$25.00$25.0011/18/2009 3:26:36 PM
exciting-fairness$150.00$150.0011/18/2009 5:50:03 PM
Doug1043$25.00$22.7311/19/2009 5:04:51 AM
Bobusa$25.00$25.0011/19/2009 5:05:49 AM
bestloanrate$50.00$50.0011/19/2009 9:35:30 AM
realtormoises$25.00$25.0011/18/2009 6:18:56 PM
MacCutter$100.00$100.0011/19/2009 9:52:21 AM
DasMula$25.00$25.0011/19/2009 10:00:23 AM
betheanswer$50.00$50.0011/19/2009 8:14:00 AM
43 bids
 
Borrower Payment Dependent Notes Series 432901
This series of Notes was issued and sold upon the funding of the borrower loan #39579, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 28.07% Starting monthly payment: $92.36
Final lender yield: 18.29% Final borrower rate/APR: 19.29% / 21.52% Final monthly payment: $84.65
 
Auction yield range: 8.29% - 24.75% Estimated loss impact: 6.92%  
Lender servicing fee: 1.00% Estimated return: 11.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1999 Debt/Income ratio: 35%
Credit score: 680-699 (Oct-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $39,182 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: asset-swashbuckler1 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off medical bills
Purpose of loan:
This loan will be used to pay medical bills.

My financial situation:
I am a good candidate for this loan because I am married and have a steady job history.? I want to consolidate and pay off medical bills.

Monthly net income: $ 2500

Monthly expenses: $ 1050
??Housing: $ 550
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $?100
??Clothing, household expenses $?0
??Credit cards and other loans: $?300
??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
BidderAmount BidAmount WinningBid Date (PT)
mckhbnpc$25.00$25.0011/17/2009 5:14:22 PM
LarWit1512$25.00$25.0011/18/2009 11:21:36 AM
fireferd$100.00$100.0011/19/2009 6:27:58 AM
engbusres$34.00$34.0011/19/2009 7:08:00 AM
jtoms101$100.00$100.0011/19/2009 7:32:23 AM
gilbrear$25.00$25.0011/18/2009 4:22:56 PM
Leshan$50.00$50.0011/19/2009 8:46:25 AM
CatbirdBanking$25.00$25.0011/19/2009 8:58:41 AM
first-genuine-bid$25.00$25.0011/19/2009 9:23:42 AM
jybank$25.00$25.0011/19/2009 9:47:00 AM
leverage-monger$200.00$190.2911/19/2009 9:49:23 AM
yu-rik$25.00$25.0011/19/2009 9:55:45 AM
building_community$25.00$25.0011/17/2009 6:52:21 PM
investment-cluster$25.00$25.0011/18/2009 2:15:13 AM
chrisb1414$25.00$25.0011/18/2009 9:28:21 AM
Bank_Of_XL$100.00$100.0011/17/2009 5:37:11 PM
cemseller$25.00$25.0011/18/2009 11:20:16 AM
iResponsibleLender$25.00$25.0011/19/2009 2:59:24 AM
wild-orange$500.00$500.0011/19/2009 1:26:58 AM
iResponsibleLender$675.71$675.7111/19/2009 2:55:00 AM
TakeCare$50.00$50.0011/19/2009 8:52:28 AM
wwwUniversal$25.00$25.0011/18/2009 5:49:32 PM
bestloanrate$50.00$50.0011/19/2009 9:25:26 AM
Moxman125$25.00$25.0011/19/2009 9:40:00 AM
VAGweilo$50.00$50.0011/19/2009 9:55:26 AM
leverage-monger$50.00$50.0011/19/2009 9:56:56 AM
26 bids
 
Borrower Payment Dependent Notes Series 433025
This series of Notes was issued and sold upon the funding of the borrower loan #39559, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,900.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-18-2009 
 
Starting lender yield: 24.50% Starting borrower rate/APR: 25.50% / 27.81% Starting monthly payment: $196.12
Final lender yield: 24.50% Final borrower rate/APR: 25.50% / 27.81% Final monthly payment: $196.12
 
Auction yield range: 8.29% - 24.50% Estimated loss impact: 7.08%  
Lender servicing fee: 1.00% Estimated return: 17.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Feb-1988 Debt/Income ratio: 27%
Credit score: 660-679 (Oct-2009) Current / open credit lines: 23 / 23Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:14y 1m
Amount delinquent: $0 Revolving credit balance: $62,966 Occupation: Flight Attendant
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: capital-exchanger2 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a couple of credit cards
Purpose of loan:
This loan will be used to pay off?two of my higher rate credit card debts??

CHASE 1: $2309.17 at 26.24%

HSBC: $2591.55 at 20.40%

Total Debt: $4,900.72 avaerage intrest rate: 23.32%



My financial situation:
I am a good candidate for this loan because I have been with my current employer (Southwest Airlines) now for fourteen years and I have great job security as I am a contract employee (Flight Attendant).? I work hard and I am current with all of my bills, never making a late payment and I even pay more than the minimum due most months.??
The credit card companies have been playing thier game of "let's lower the credit limit and make it look like he's maxed out and then we can raise the interest rates and double the minumum payment due".? I have been paying down my debt, this past year but it is a slow process with the interest rates keep changing every couple of months, it is frustrating.? My goal is to be 100% debt free in five years and this loan will help me get a "jump" start on the goal.

I bought my home in the spring of 2007 and had to do some major repairs, which was more than I had expected, about 48k in order to move in,?this is where a majority of my debt was accumilated.? I did have some debt that was stricly personal and now I want to live a debt free life.

My truck is paid off, so thier is no auto payments. I bring home a good salary for this current economy.

Monthly net income: $ 4850.00

Monthly expenses: $ 3903.00
??Housing: $ 1620.00
??Insurance: $ 103.00
??Car expenses: $ 75.00 (gas & maitenance)
??Utilities: $ 325.00
??Phone, cell phone, cable and internet: $ 156.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 75.00?
??Credit cards and other loans: $ 1200.00 this includeds the above two credit cards. with this loan it would drop to $950.00
??Other expenses: $ 100.00 (a cushion for emergencies)

Thank You for your time and support.
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: Is your mortgage fixed or an adjustable? If adjustable, when is it set to re-adjust and at what rate? Thanks - RecoveryLender
A: Thank You for your question, my mortgage is a 30 year fixed rate at 5.875% and includes homeowner insurance, flood insurance and property taxes etc. Please feel free to ask any other questions and Thank You for your time. (Nov-12-2009)
Q: Please indicate the current value of your home. thanks - reflective-rupee
A: The current value of my home is somewhere in the ball park of $285,000 to $315,000 (Nov-13-2009)
Q: How much debt (mortgage and HELOC) do you have on your home? Thanks. - reflective-rupee
A: Great question, I only have a regular 1st mortgage. I bought thw house for $305,000.00 and put down 20% and financed the rest: $244,000.00 at 5.875% for 30 years fixed. No 2nd and no HELCO or Equity...NONE (Nov-14-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
robot777$40.00$40.0011/12/2009 10:09:31 AM
reflective-rupee$50.00$50.0011/12/2009 3:54:55 PM
reflective-rupee$100.00$100.0011/12/2009 4:55:22 PM
well-mannered-income3$40.00$40.0011/14/2009 5:16:20 PM
hellasow$30.00$30.0011/14/2009 12:31:24 PM
SFBank$200.00$200.0011/15/2009 7:04:06 PM
101010$50.00$50.0011/16/2009 11:05:28 PM
money_player$50.00$50.0011/17/2009 4:58:50 PM
reflective-rupee$1,200.00$1,200.0011/17/2009 6:08:51 PM
reflective-rupee$100.00$100.0011/17/2009 6:15:09 PM
reflective-rupee$150.00$25.7711/17/2009 6:45:43 PM
SNH$50.00$50.0011/17/2009 11:08:10 PM
Gobsek$25.00$25.0011/18/2009 7:07:44 AM
well-mannered-income3$75.00$75.0011/18/2009 6:58:10 AM
Bank_Of_XL$100.00$100.0011/18/2009 10:28:53 AM
LarWit1512$25.00$25.0011/18/2009 11:21:39 AM
donlenboy$26.88$26.8811/18/2009 12:38:17 PM
vivacious-p2p3$25.00$25.0011/18/2009 10:11:14 AM
lendme2$100.00$100.0011/18/2009 1:11:58 PM
Jazzy503$25.00$25.0011/18/2009 4:22:21 PM
exciting-fairness$150.00$150.0011/18/2009 5:40:45 PM
SaintMatthew$25.00$25.0011/18/2009 8:56:28 PM
Rockymtnhi$100.00$100.0011/18/2009 7:15:20 PM
caseattle$25.00$25.0011/12/2009 10:29:39 AM
reflective-rupee$25.00$25.0011/12/2009 4:15:03 PM
GCSS$25.00$25.0011/13/2009 9:30:25 AM
reflective-rupee$250.00$250.0011/13/2009 9:03:33 PM
reflective-rupee$100.00$100.0011/14/2009 10:39:40 PM
reflective-rupee$300.00$300.0011/15/2009 6:51:05 PM
tnjohnso$25.00$25.0011/16/2009 7:44:20 AM
reflective-rupee$250.00$250.0011/16/2009 5:39:45 PM
101010$75.00$75.0011/16/2009 11:04:59 PM
101010$25.00$25.0011/16/2009 11:05:42 PM
quickstep$100.00$100.0011/17/2009 1:42:54 PM
reflective-rupee$150.00$150.0011/17/2009 6:09:14 PM
building_community$25.00$25.0011/17/2009 6:50:57 PM
investment-cluster$25.00$25.0011/18/2009 2:16:32 AM
TakeCare$100.00$100.0011/18/2009 7:45:34 AM
well-mannered-income3$75.00$75.0011/17/2009 5:25:02 PM
Astyanax$25.00$25.0011/18/2009 10:50:30 AM
Scubadiver$50.00$50.0011/18/2009 11:09:05 AM
zone6$200.00$200.0011/18/2009 11:16:49 AM
mercuriant$25.00$25.0011/18/2009 12:04:57 PM
jybank$25.00$25.0011/18/2009 2:26:20 PM
Rulea72$100.00$100.0011/18/2009 3:06:23 PM
chrisb1414$25.00$25.0011/18/2009 9:28:58 AM
Astyanax$25.00$25.0011/18/2009 10:50:46 AM
well-mannered-income3$50.00$50.0011/18/2009 11:38:54 AM
scarlet-velvet$25.00$25.0011/18/2009 4:27:32 PM
shrewd-income$25.00$25.0011/18/2009 3:37:35 PM
WealthBoy$25.00$25.0011/18/2009 5:14:26 PM
durability-colonel$50.00$50.0011/18/2009 8:27:25 PM
twjh$25.00$25.0011/18/2009 6:39:26 PM
PotBellyPete$37.35$37.3511/18/2009 7:51:13 PM
54 bids
 
Borrower Payment Dependent Notes Series 433057
This series of Notes was issued and sold upon the funding of the borrower loan #39585, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $144.77
Final lender yield: 22.00% Final borrower rate/APR: 23.00% / 25.28% Final monthly payment: $135.48
 
Auction yield range: 8.29% - 27.00% Estimated loss impact: 7.02%  
Lender servicing fee: 1.00% Estimated return: 14.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-1999 Debt/Income ratio: 54%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 13 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:9y 9m
Amount delinquent: $0 Revolving credit balance: $26,793 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 75%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: jaunt Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of credit cards
Purpose of loan:
This loan will be used to pay off credit card debit.

My financial situation:
I am a good candidate for this loan because i have been employed with my company for 10 years. I have continued to make my payments on time and with income tax around the corner most of the loan will be repaid. Thanks for your time.

Monthly net income: $? 4700

Monthly expenses: $ 3490
??Housing: $ 865
??Insurance: $ 210
??Car expenses: $ 550
??Utilities: $ 190
??Phone, cable, internet: $ 135
??Food, entertainment: $ 475
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 765
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Do you have a fixed rate mortgage and what is your occupation? Thanks - RecoveryLender
A: Yes i do have a fixed rate mortgage and my occupation is in the medical field, i am a pharmacy technician. i make between 15 to 18hr and work 80hrs a week with overtime available. (Nov-18-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
caseattle$25.00$25.0011/12/2009 6:52:40 PM
hellasow$25.00$25.0011/14/2009 12:38:13 PM
101010$50.00$50.0011/15/2009 9:41:29 PM
101010$25.00$25.0011/15/2009 9:41:45 PM
WealthBoy$25.00$25.0011/18/2009 9:15:05 PM
DonDiego$25.00$25.0011/18/2009 10:00:49 PM
Sol_Invictus$25.00$25.0011/19/2009 4:56:31 AM
umfan123$25.00$25.0011/19/2009 5:47:27 AM
shrewd-income$200.00$200.0011/19/2009 7:14:40 AM
vivacious-p2p3$25.00$25.0011/19/2009 8:22:53 AM
gothampark$25.00$25.0011/19/2009 10:01:41 AM
CatbirdBanking$25.00$25.0011/19/2009 10:16:46 AM
wild-orange$300.00$300.0011/19/2009 10:33:01 AM
thestartuplender$35.00$35.0011/19/2009 10:37:54 AM
fiserve4u$50.00$50.0011/19/2009 11:27:24 AM
KaChingInvestments$25.00$25.0011/19/2009 11:32:34 AM
eboomer2611$25.00$25.0011/19/2009 11:46:17 AM
authoritative-social$25.00$25.0011/19/2009 4:37:56 AM
payout-reaction740$25.00$9.4111/19/2009 10:38:09 AM
amor1962$25.00$25.0011/19/2009 10:43:58 AM
speedy-dime$50.00$50.0011/19/2009 11:28:03 AM
a-reasonable-return$50.00$50.0011/19/2009 11:38:03 AM
klemer$25.00$25.0011/19/2009 11:45:18 AM
Nusk$25.00$25.0011/19/2009 1:21:43 PM
hptcrabbers$25.00$25.0011/19/2009 2:55:20 PM
johnpmid$25.00$25.0011/19/2009 3:05:31 PM
kindness-jedi$50.00$50.0011/19/2009 3:16:27 PM
Flacap$40.00$40.0011/19/2009 4:34:15 PM
Techne_Funds_LLC$25.00$25.0011/19/2009 4:15:25 PM
Isotope$25.00$25.0011/19/2009 4:31:07 PM
gilbrear$25.00$25.0011/19/2009 4:31:54 PM
exciting-fairness$150.00$150.0011/19/2009 5:57:34 PM
sharp-credit$400.00$400.0011/19/2009 6:02:57 PM
icecoldcash$25.00$25.0011/19/2009 6:27:06 PM
division177$25.00$25.0011/19/2009 6:34:20 PM
generous-deal6$30.00$30.0011/19/2009 6:12:06 PM
prominence8$40.00$40.0011/19/2009 6:18:02 PM
himistu22$28.00$28.0011/19/2009 2:14:06 PM
RecoveryLender$25.00$25.0011/19/2009 6:27:50 PM
tracyjo$25.00$25.0011/13/2009 5:31:59 AM
GCSS$25.00$25.0011/13/2009 9:16:43 AM
reflective-rupee$25.00$25.0011/12/2009 8:54:38 PM
TakeCare$100.00$100.0011/13/2009 10:57:44 PM
101010$75.00$75.0011/15/2009 9:41:02 PM
building_community$25.00$25.0011/17/2009 6:51:52 PM
chrisb1414$25.00$25.0011/18/2009 9:29:36 AM
Bank_Of_XL$100.00$100.0011/18/2009 10:29:51 AM
investment-cluster$25.00$25.0011/18/2009 2:21:21 AM
zone6$200.00$200.0011/18/2009 11:09:38 AM
BAEVentures$25.00$25.0011/19/2009 9:37:09 AM
Tolipwen$25.00$25.0011/19/2009 11:57:27 AM
SkyLoan$30.00$30.0011/19/2009 12:21:45 PM
Ven58$25.00$25.0011/19/2009 12:09:10 PM
Leshan$50.00$50.0011/19/2009 10:36:52 AM
MrCoffee$50.00$50.0011/19/2009 2:06:38 PM
3613925$25.00$25.0011/19/2009 12:23:15 PM
upbeat-wealth$25.00$25.0011/19/2009 3:29:59 PM
Ambassador$50.00$50.0011/19/2009 4:15:27 PM
Bobafet$25.00$25.0011/19/2009 4:40:41 PM
whittlesey31$25.00$25.0011/19/2009 4:44:59 PM
Chewbaca$25.00$25.0011/19/2009 3:53:08 PM
shrewd-income$100.00$100.0011/19/2009 5:51:19 PM
well-mannered-income3$75.00$75.0011/19/2009 6:24:26 PM
doelenda$25.00$25.0011/19/2009 5:55:45 PM
reflective-rupee$25.00$25.0011/19/2009 5:59:04 PM
just-trade0$36.00$36.0011/19/2009 6:36:28 PM
Bito03$26.59$26.5911/19/2009 1:53:57 PM
Rulea72$25.00$25.0011/19/2009 3:21:20 PM
dorypro$25.00$25.0011/19/2009 4:41:55 PM
autoconnection$25.00$25.0011/19/2009 5:43:51 PM
bestloanrate$50.00$50.0011/19/2009 5:54:09 PM
71 bids
 
Borrower Payment Dependent Notes Series 433145
This series of Notes was issued and sold upon the funding of the borrower loan #39573, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,313.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $98.19
Final lender yield: 29.00% Final borrower rate/APR: 30.00% / 32.38% Final monthly payment: $98.19
 
Auction yield range: 17.29% - 29.00% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.31%  
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: Dec-1977 Debt/Income ratio: 9%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 25Length of status:1y 3m
Amount delinquent: $2,318 Revolving credit balance: $400 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Homeownership: No  
Inquiries last 6m: 0    
Screen name: archiegirl 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
640-659 (Aug-2009)
660-679 (Aug-2007)
660-679 (Jul-2007)
 
Principal balance: $1,024.28 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Still trying to get rid of DQ's
*NOTE* I was not born yet in 1977! I am not sure how much of the credit report is accurate or combined with another person's.
Purpose of Loan: I need to clear up my credit history. I just want to clear up the dq's on my credit history so I can begin with a clean slate.
After some talking with credit agencies this is what I now owe:
-$1255 for a closed and charged off credit card from years ago
-$1058 for another closed and charged off crediit card from years ago
Other Current Debt:
-?I owe about $9,000 in college loans. Both loans are being paid off with a payment plan that I am happy with since I pay more than the minimum amount.
I'm going to be apartment hunting soon for a cheaper apartment.?I need a better credit score because when I apply to move into a new apartment, my score might be looked at.
My Financial situation: Last summer I was forced to quit my job of 3 years. It was right before the economic blowout, and was difficult for me to find another job quickly. I?was unemployed for 3 months. I took a bar job and restaurant counter job-working 60 hours a week for tips in order to keep my utilities on and to eat. I fell behind on rent. I started a new job last August and am very happy to be working. Due to the situation in the architecture world, my current job can not pay me as much as I was making before.?I am very lucky to even have a job.?I have side jobs as a pace leader in an organized running group once a week, and as a night aide for a man in a wheelchair-doing easy nursing tasks twice a week. These two?extra paychecks pay for my groceries and phone bill.
Monthly net income: $2176 salary + $300 side jobs
Monthly expenses: $
Housing: $1475 (will be cut down after I move)
Transportation- Travel via subway- $89 monthly pass
Utilities: $80
Phone, cable, internet: Only Cell-$85
Food, entertainment: $125 (entertainment has been cut entirely out of my budget for the time being)
Clothing, household expenses: $45 I've spent less than $45 on household items the past 2 months.
Credit and other loans: $276 (educational loan payments and previous Prosper loan payments)??
Information in the Description is not verified.
Friends And Family Winning Bids
yield-oyster1 has bid a total of $50.00 in winning bids.
"Archie Girl is someone that I have known for a few years; I have watched her work extremely hard to try and scratch out a life for herself in New York, but the city, and the economic hardships of late have been a challenge for her (and many others). Archie Girl starts her day as an architect, and ends in many different ways, trying to cull together some semblance of a living. She is dedicated and hard-working and a very reliable person who needs our help!"
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: Hi archiegirl, Your credit score does not look that great but your loan payment history is very good therefore I will bid on you. When you clean up the credit history you will get a much better Prosper score. Good luck. - golffish2
A: Thank you for the vote of confidence! Cleaning up my credit history NOW is exactly what I'm trying to do, since that has a bigger impact on my long term financial stability. (Nov-13-2009)
Q: What is the interest rate on your current Prosper loan? - JGuide
A: Hi, My interest rate on my current Prosper loan 11%. (Nov-15-2009)
Q: Hi Archiegirl - Can you elaborate on the two credit cards you mentioned being charged off? When/How did that happen? Are the other delinquencies listed on your account correct? It seems inconsistent with your good payment history with Prosper. - professional-integrity
A: The major bulk is from a Macy's card that I got when I first moved to NY. My mistake when I thought I had completely taken care of it and had only finished paying off 1/3. Bills got lost in the mail when I moved apartments. Stupid mistake that has caught up. The other is from a hospital bill from my college days. (Nov-19-2009)
Q: Hi, you appear to be one hard working person. Can you describe how this loan will improve your monthly free cash flow situation. thanks JJ - quickstep
A: It won't be an immediate improvement by any means. I'm looking more for the long term. Slowly but surely improving my financial status. I will be moving into a cheaper apartment and credit is looked at. I want to raise my credit score so that I am viewed as a better future tenant. Also, I mwill be able to lower my interest rates on my current college loans if I have a better score. At some point when I can totally consolidate absolutely everything, a better credit score can help me. (Nov-19-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
golffish2$400.00$400.0011/13/2009 7:44:26 AM
SNH$50.00$50.0011/13/2009 4:20:53 PM
shrewd-income$25.00$25.0011/15/2009 12:55:39 PM
lender12345$25.00$25.0011/18/2009 9:11:42 AM
professional-integrity$25.00$25.0011/18/2009 9:09:08 PM
druidpoet$25.00$25.0011/19/2009 1:14:30 PM
professional-integrity$25.00$25.0011/19/2009 11:38:29 AM
TheAlchemist$25.00$25.0011/19/2009 12:03:37 PM
zone6$200.00$200.0011/19/2009 3:47:19 PM
reflective-rupee$25.00$25.0011/19/2009 4:53:31 PM
reflective-rupee$400.00$106.2311/19/2009 4:27:53 PM
Clicktogetmoney$30.00$30.0011/19/2009 5:16:46 PM
marwadi-62$50.00$50.0011/19/2009 5:19:28 PM
generous-deal6$44.67$44.6711/19/2009 6:15:13 PM
portfolio-turbine$25.00$25.0011/19/2009 6:22:33 PM
sparkling-funds$25.00$25.0011/19/2009 5:57:45 PM
nurat$42.10$42.1011/19/2009 6:06:12 PM
division177$25.00$25.0011/19/2009 6:36:14 PM
yield-oyster1$50.00$50.0011/12/2009 8:54:28 PM
TakeCare$40.00$40.0011/13/2009 10:53:22 PM
JGuide$25.00$25.0011/14/2009 10:36:55 PM
golffish2$200.00$200.0011/16/2009 4:21:28 AM
MoneyForNothing$25.00$25.0011/17/2009 3:14:35 PM
Aberdeen$200.00$200.0011/19/2009 10:05:36 AM
MoneyForNothing$25.00$25.0011/19/2009 10:12:52 AM
investment-visionary$25.00$25.0011/19/2009 3:29:45 PM
lender12345$175.00$175.0011/19/2009 3:40:36 PM
quickstep$200.00$200.0011/19/2009 3:40:59 PM
JGuide$25.00$25.0011/19/2009 5:14:58 PM
boo_hoo$50.00$50.0011/19/2009 4:50:37 PM
reflective-rupee$25.00$25.0011/19/2009 5:17:48 PM
autoconnection$25.00$25.0011/19/2009 5:45:19 PM
reflective-rupee$25.00$25.0011/19/2009 4:53:46 PM
reflective-rupee$25.00$25.0011/19/2009 5:17:35 PM
34 bids
 
Borrower Payment Dependent Notes Series 433179
This series of Notes was issued and sold upon the funding of the borrower loan #39565, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-16-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $184.90
Final lender yield: 25.45% Final borrower rate/APR: 26.45% / 28.78% Final monthly payment: $182.39
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Nov-1995 Debt/Income ratio: 23%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 7 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:9y 10m
Amount delinquent: $0 Revolving credit balance: $9,431 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 79%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: idaho41 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
580-599 (Oct-2008)
600-619 (Nov-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 6  
Description
debt consolidation
Purpose of loan:
This loan will be used to? pay off bills and consolidate tired of the credit card companys, trying to get to the point of being debt free,I have stopped using credit cards and am budgeting my money to get things paid off

My financial situation:
I am a good candidate for this loan because? I always pay my bills first,I have had one prosper loan already and paid it off early.

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $ 00????
??Insurance: $ 00
??Car expenses: $ 185.00
??Utilities: $ 65.00
??Phone, cable, internet: $
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 270.00? this will be wrapped?up in this prosper loan
??Other expenses: $ 89.00 dental bill monthly
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: How is it that you pay nothing for housing? - 101010
A: I am married our house is actually in my husband name only,we have seperate monthly bills and I do not pay the house payment.. Thanks (Nov-14-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
InChicago$25.00$25.0011/13/2009 4:49:55 PM
wildguy$25.00$25.0011/13/2009 4:50:51 PM
fortytwo$50.00$50.0011/13/2009 4:53:20 PM
SPB$25.00$25.0011/13/2009 4:54:57 PM
Diamond_Jim$25.00$25.0011/13/2009 4:57:52 PM
heroic-benefit$25.00$25.0011/13/2009 4:58:07 PM
tallmon$25.00$25.0011/13/2009 4:58:15 PM
Turtlebear44$25.00$25.0011/13/2009 4:58:27 PM
unclejaef$25.00$25.0011/13/2009 4:58:47 PM
gizzywump$25.00$25.0011/13/2009 4:58:54 PM
return-elm$25.00$25.0011/13/2009 4:58:59 PM
affluence-tycoon$25.00$25.0011/13/2009 4:59:03 PM
Ananya$25.00$25.0011/13/2009 4:59:55 PM
mmqc$25.00$25.0011/13/2009 5:00:22 PM
five-star-note$25.00$25.0011/13/2009 4:50:04 PM
CROBRUN$25.00$25.0011/13/2009 5:01:00 PM
truth-eclair$25.00$25.0011/13/2009 5:01:24 PM
zone8$100.00$100.0011/13/2009 4:52:15 PM
YogaDude34$25.00$25.0011/13/2009 4:53:51 PM
FasTruk$25.00$25.0011/13/2009 4:57:19 PM
leverage-trident$25.00$25.0011/13/2009 5:06:44 PM
social-gatherer7$25.00$25.0011/13/2009 4:57:55 PM
treasure-transporter$25.00$25.0011/13/2009 4:58:21 PM
Havana21$50.00$50.0011/13/2009 4:58:29 PM
honorable-yield$25.00$25.0011/13/2009 4:58:39 PM
miked8303$25.00$25.0011/13/2009 4:58:48 PM
efficient-bid2$25.00$25.0011/13/2009 5:07:56 PM
shiny-dollar9$25.00$25.0011/13/2009 5:08:25 PM
leodaguy$25.00$25.0011/13/2009 5:08:28 PM
Banker7371$25.00$25.0011/13/2009 5:08:31 PM
income-rocker2$250.00$250.0011/13/2009 4:59:52 PM
nowits10$25.00$25.0011/13/2009 5:08:29 PM
well-mannered-income3$25.00$25.0011/13/2009 5:08:43 PM
burgeoning-silver$25.00$25.0011/13/2009 5:08:52 PM
WilliamLeeSims$25.00$25.0011/13/2009 5:08:53 PM
get30inc$25.00$25.0011/13/2009 5:09:28 PM
wise-extraordinary-loot$25.00$25.0011/13/2009 5:09:27 PM
Toastsr$25.00$25.0011/13/2009 5:09:29 PM
mtquan$25.00$25.0011/13/2009 5:09:35 PM
VBAces$25.00$25.0011/13/2009 5:09:39 PM
secobarbital$25.00$25.0011/13/2009 5:09:47 PM
equitable-credit0$25.00$25.0011/13/2009 5:09:58 PM
deal-pioneer1$25.00$25.0011/13/2009 5:10:00 PM
ben10jen$25.00$25.0011/13/2009 5:09:57 PM
fcb202$25.00$25.0011/13/2009 5:10:03 PM
JGB$25.00$25.0011/13/2009 5:10:08 PM
626457$25.00$25.0011/13/2009 5:10:25 PM
MissionMicroFinance$25.00$25.0011/13/2009 5:10:34 PM
Shepherd7$25.00$25.0011/13/2009 5:10:35 PM
Orringo$25.00$25.0011/13/2009 5:10:41 PM
personal-lender$25.00$25.0011/13/2009 5:10:40 PM
People-for-people$50.00$50.0011/13/2009 5:10:55 PM
loan-master996$50.00$50.0011/13/2009 5:10:47 PM
Matt555555$25.00$25.0011/13/2009 5:11:25 PM
the-money-gargantuan$25.00$20.7711/13/2009 5:11:30 PM
LarryNY$25.00$25.0011/13/2009 5:20:08 PM
AF-Chief$25.00$25.0011/13/2009 5:08:26 PM
GOPHERBOY$25.00$25.0011/13/2009 5:08:35 PM
reflective-rupee$45.00$45.0011/13/2009 7:16:17 PM
Artist_Blue$25.00$25.0011/13/2009 5:08:46 PM
reflective-rupee$45.00$45.0011/13/2009 7:15:55 PM
Personal-Bond$33.32$33.3211/13/2009 7:18:29 PM
fareast_man$25.00$25.0011/13/2009 5:10:11 PM
WalnutCreekguy$25.00$25.0011/13/2009 5:10:24 PM
purdue98$25.00$25.0011/13/2009 5:11:00 PM
reflective-rupee$25.00$25.0011/13/2009 5:11:54 PM
reflective-rupee$25.00$25.0011/13/2009 5:12:34 PM
foothillender$25.00$25.0011/14/2009 7:48:52 AM
SFBank$200.00$200.0011/14/2009 11:15:16 AM
101010$25.00$25.0011/14/2009 4:27:22 PM
forthright-dedication$25.00$25.0011/14/2009 8:01:35 PM
reflective-rupee$25.00$25.0011/13/2009 4:52:13 PM
desertoasis$25.00$25.0011/13/2009 4:52:27 PM
gustavzantanon$50.00$50.0011/13/2009 4:53:18 PM
reflective-rupee$25.00$25.0011/13/2009 4:54:44 PM
djh47a$25.00$25.0011/13/2009 4:54:17 PM
bdloans$100.00$100.0011/13/2009 4:57:34 PM
CASHGIRL$25.00$25.0011/13/2009 4:57:47 PM
charming-point$100.00$100.0011/13/2009 4:58:09 PM
lloyd_s$25.00$25.0011/13/2009 4:58:02 PM
dinero-mason$50.00$50.0011/13/2009 4:58:06 PM
spitzbergen$25.00$25.0011/13/2009 4:58:35 PM
CarDealer3070$30.00$30.0011/13/2009 4:58:43 PM
twirl2$25.00$25.0011/13/2009 4:59:19 PM
108lender$33.91$33.9111/13/2009 5:01:03 PM
jazz619$25.00$25.0011/13/2009 5:01:19 PM
Poohcho$25.00$25.0011/13/2009 5:06:40 PM
slartibardfast$25.00$25.0011/13/2009 4:58:12 PM
dedicated-diversification5$65.00$65.0011/13/2009 4:58:19 PM
treasure-bliss$50.00$50.0011/13/2009 4:58:26 PM
EtaDuck$25.00$25.0011/13/2009 5:07:06 PM
puifais$25.00$25.0011/13/2009 4:58:52 PM
rmachi$25.00$25.0011/13/2009 4:58:57 PM
lendme2$25.00$25.0011/13/2009 5:07:55 PM
Gibbyland$50.00$50.0011/13/2009 5:08:37 PM
hard-working-loot$25.00$25.0011/13/2009 5:08:39 PM
gaditano$25.00$25.0011/13/2009 5:00:20 PM
bonus-patriot$25.00$25.0011/13/2009 5:00:36 PM
888168$25.00$25.0011/13/2009 5:09:15 PM
wrighco$25.00$25.0011/13/2009 5:09:34 PM
jhouman$25.00$25.0011/13/2009 5:09:37 PM
GElender$25.00$25.0011/13/2009 5:09:43 PM
Auburnmist$25.00$25.0011/13/2009 5:01:17 PM
sloan$25.00$25.0011/13/2009 5:01:23 PM
louisianalender$100.00$100.0011/13/2009 5:09:56 PM
delivery$25.00$25.0011/13/2009 5:09:53 PM
Poiny$25.00$25.0011/13/2009 5:10:02 PM
value-pole$25.00$25.0011/13/2009 5:10:05 PM
PayItForward09$25.00$25.0011/13/2009 5:10:14 PM
green-discrete-responsibility$25.00$25.0011/13/2009 5:10:27 PM
greenwell$25.00$25.0011/13/2009 5:10:23 PM
GMPK_TLAS$25.00$25.0011/13/2009 5:10:31 PM
SNH$50.00$50.0011/13/2009 5:10:38 PM
beezling$52.00$52.0011/13/2009 5:10:43 PM
penny-surgeon$25.00$25.0011/13/2009 5:11:04 PM
reflective-rupee$100.00$100.0011/13/2009 5:39:14 PM
rob1971$25.00$25.0011/13/2009 5:08:15 PM
brother_tam$50.00$50.0011/13/2009 5:08:44 PM
special-peso$50.00$50.0011/13/2009 5:10:06 PM
Cash_Angel$25.00$25.0011/13/2009 5:10:16 PM
pietro_torna_indietro$25.00$25.0011/13/2009 5:10:19 PM
justice-dna$25.00$25.0011/13/2009 5:10:32 PM
zento$25.00$25.0011/13/2009 9:36:52 PM
reflective-rupee$50.00$50.0011/13/2009 5:13:07 PM
101010$75.00$75.0011/14/2009 4:26:38 PM
101010$50.00$50.0011/14/2009 4:26:56 PM
hellasow$25.00$25.0011/14/2009 12:42:49 PM
checzwick$25.00$25.0011/14/2009 4:14:31 PM
wwwUniversal$25.00$25.0011/15/2009 7:08:55 PM
129 bids
 
Borrower Payment Dependent Notes Series 433257
This series of Notes was issued and sold upon the funding of the borrower loan #39578, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.42% Starting monthly payment: $132.17
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $130.25
 
Auction yield range: 8.29% - 20.17% 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: May-1998 Debt/Income ratio: 10%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $6,347 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 57%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: fabulous-repayment 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
Engagement Ring
Purpose of loan:? This loan will be used to help pay for an engagement ring for my girlfriend. I do have some money set aside for this but the amount of this loan would put me in the price range of rings I have been looking at.? It would also allow me to propose by Christmas which is something I'm really looking forward to.

My financial situation:I am a good candidate for this loan because I maintain a solid paying job and I always meet my monthly financial obligations.? While I do have some outstanding credit card debt none of my cards are maxed or delinquent. I also have a student loan which I have never missed since graduation in 2002. If I were to approved for this loan there would be no concerns about receiving my payment.
Monthly net income: $ 2741.37 ???? ????

Monthly expenses: $? 2250
??Housing: $ 1000
??Insurance: $ 108
??Car expenses: $ 130 (for gas / no car payments needed)
??Utilities: $ 120
??Phone, cable, internet: $ 180
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 330
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
mtp$50.00$50.0011/13/2009 4:49:04 PM
wampum-chorus3$25.00$25.0011/13/2009 4:50:42 PM
a-finance-nirvana$100.00$100.0011/13/2009 4:52:10 PM
AF-Chief$25.00$25.0011/13/2009 4:52:00 PM
crazycool$25.00$25.0011/13/2009 4:52:31 PM
skuba$25.00$25.0011/13/2009 4:52:42 PM
wise-spirited-nickel$50.00$50.0011/13/2009 4:52:59 PM
roto$25.00$25.0011/13/2009 4:55:15 PM
five-star-note$25.00$25.0011/13/2009 4:55:05 PM
cash-boots$25.00$25.0011/13/2009 4:55:19 PM
Diamond_Jim$25.00$25.0011/13/2009 4:57:54 PM
social-gatherer7$25.00$25.0011/13/2009 4:57:59 PM
sharkm$25.00$25.0011/13/2009 4:59:47 PM
E_G$30.00$30.0011/13/2009 4:59:58 PM
WilliamLeeSims$25.00$25.0011/13/2009 5:00:18 PM
CASHGIRL$75.00$75.0011/13/2009 5:00:32 PM
income-rocker2$250.00$250.0011/13/2009 5:00:33 PM
gold-sushi$25.00$25.0011/13/2009 5:00:45 PM
lloyd_s$25.00$25.0011/13/2009 5:00:39 PM
Artist_Blue$25.00$25.0011/13/2009 5:00:48 PM
mmqc$25.00$25.0011/13/2009 5:01:26 PM
miked8303$25.00$25.0011/13/2009 5:01:32 PM
Heatguy$50.00$50.0011/13/2009 5:01:37 PM
power-flow6$25.00$25.0011/13/2009 5:01:53 PM
Boca$25.00$25.0011/13/2009 5:01:56 PM
currency-cigar4$25.00$25.0011/13/2009 5:01:59 PM
mikeandcat$50.00$50.0011/13/2009 4:51:31 PM
Frenchynh$25.00$25.0011/13/2009 5:02:02 PM
value-pole$25.00$25.0011/13/2009 5:02:04 PM
rmachi$25.00$25.0011/13/2009 5:02:17 PM
iruz$50.00$1.3611/13/2009 5:02:30 PM
booksleuth$50.00$50.0011/13/2009 4:52:38 PM
peaceful-trade$25.00$25.0011/13/2009 4:54:49 PM
leodaguy$25.00$25.0011/13/2009 4:59:22 PM
return-elm$25.00$25.0011/13/2009 5:01:29 PM
LEWK25$25.00$25.0011/13/2009 5:02:15 PM
justice-dna$25.00$25.0011/13/2009 5:02:24 PM
GeoLender$25.00$25.0011/13/2009 6:00:14 PM
zento$25.00$25.0011/13/2009 9:28:20 PM
Brown98$25.00$25.0011/13/2009 5:19:52 PM
hellasow$25.00$25.0011/14/2009 12:44:20 PM
wwwUniversal$25.00$25.0011/15/2009 7:08:56 PM
interstellar$35.69$35.6911/16/2009 11:31:24 AM
sirguyon$25.00$25.0011/16/2009 2:51:38 PM
felicity-daydream$25.00$25.0011/16/2009 4:29:55 PM
12sec67camaro$25.00$25.0011/16/2009 4:51:05 PM
nethosters$25.00$25.0011/18/2009 4:23:55 AM
building_community$25.00$25.0011/17/2009 6:50:24 PM
Streamfeeder$50.00$50.0011/19/2009 9:34:58 AM
SkyLoan$25.00$25.0011/19/2009 12:32:18 PM
BBL$25.00$25.0011/19/2009 2:41:06 PM
chevy92$50.00$50.0011/19/2009 4:52:42 PM
foxy-community$27.83$27.8311/19/2009 4:09:14 PM
seajab$25.00$25.0011/19/2009 3:19:43 PM
johnpmid$25.00$25.0011/19/2009 5:47:44 PM
fortytwo$150.00$150.0011/13/2009 4:52:21 PM
hard-working-loot$25.00$25.0011/13/2009 4:53:05 PM
iolaire$25.00$25.0011/13/2009 4:57:31 PM
granitepk$25.00$25.0011/13/2009 4:57:38 PM
lend_to_you$25.00$25.0011/13/2009 4:59:13 PM
newbietony$25.00$25.0011/13/2009 4:59:37 PM
tremendous-payment$25.00$25.0011/13/2009 5:00:28 PM
biobulator$25.00$25.0011/13/2009 5:00:51 PM
brother_tam$50.00$50.0011/13/2009 5:00:57 PM
loan_doctor$25.00$25.0011/13/2009 4:50:26 PM
charming-point$50.00$50.0011/13/2009 5:01:42 PM
Weaverville$25.00$25.0011/13/2009 4:51:14 PM
elegant-bonus$100.00$100.0011/13/2009 5:01:46 PM
Lightlife$50.00$50.0011/13/2009 5:02:08 PM
payout-achievement$40.00$40.0011/13/2009 5:02:27 PM
desertoasis$25.00$25.0011/13/2009 4:53:36 PM
anton$50.00$50.0011/13/2009 4:54:25 PM
marwadi-62$25.00$25.0011/13/2009 5:05:20 PM
tallmon$25.00$25.0011/13/2009 4:59:09 PM
vinayski$25.00$25.0011/13/2009 5:08:16 PM
burgeoning-silver$25.00$25.0011/13/2009 5:00:09 PM
transaction-axis$25.00$25.0011/13/2009 5:00:24 PM
mikrolown$25.00$25.0011/13/2009 5:01:34 PM
Aimvest$25.00$25.0011/13/2009 5:01:49 PM
credit-kahuna$100.00$100.0011/13/2009 5:02:20 PM
jybank$25.00$25.0011/13/2009 5:12:45 PM
Bank_Of_XL$50.00$50.0011/14/2009 5:58:02 AM
Duckman_Dot_Com$25.00$25.0011/14/2009 3:03:10 PM
the-profit-oracle$25.00$25.0011/16/2009 11:40:02 AM
AuroraRobbin$50.00$50.0011/16/2009 5:46:35 AM
mdreiss$25.00$25.0011/16/2009 3:43:48 PM
economy-popcorn$25.00$25.0011/16/2009 3:46:31 PM
unk1911$25.00$25.0011/16/2009 6:28:24 PM
BenR$100.00$100.0011/17/2009 12:10:45 PM
eBankInvest$25.00$25.0011/18/2009 10:25:05 AM
SNH$50.00$50.0011/18/2009 10:51:21 PM
Techne_Funds_LLC$25.00$25.0011/19/2009 4:20:33 PM
BAEVentures$25.00$25.0011/19/2009 3:22:48 PM
gumbit$40.12$40.1211/19/2009 3:50:23 PM
shur$25.00$25.0011/19/2009 7:49:57 PM
Ambassador$25.00$25.0011/19/2009 6:44:33 PM
wise-silver-wonder$25.00$25.0011/19/2009 6:29:59 PM
97 bids
 
Borrower Payment Dependent Notes Series 433379
This series of Notes was issued and sold upon the funding of the borrower loan #39556, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-18-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
Final lender yield: 25.45% Final borrower rate/APR: 26.45% / 28.78% Final monthly payment: $141.86
 
Auction yield range: 11.29% - 34.00% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Mar-2008 Debt/Income ratio: 14%
Credit score: 640-659 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $627 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: thoughtful-finance3 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
No Debt/Excellent Credit
Purpose of loan:
This loan will be used towards closing expenses for a business purchase.The?business has net monthly income of $3500 to $4500(taking out rent,bills,payroll,taxes etc).

My financial situation:
I am a good candidate for this loan because i have very good credit.My current score is 727.I have no debt.My car is paid off.I pay off my credit cards every month.The total investment for the business is around 30k i just need $3500 for closing expenses.My net income would be around $5000(Net profit+payroll).This?would be just?my income.Household income is more as we both work full time.I?have stocks?of my employer to cover the loan but i dont want to sell it now.?My prosper rating is?low that might be because this is my first loan through prosper.I applied for Discover and got approved.I plan to use Discover for day to day purchase & expense?in business as it pays back 1.5%.I think the risk is very low in lending me as i am well managed and never late on payments.I will pay off the loan within 2 years.
I would be glad to answer any questions you have.

Monthly net income: $?



Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please describe the business in detail. How many years has the business been in operation? It seems odd that $30,000 can buy a business that earns $4000 a month or more. Please explain. - exciting-fairness
A: Thanks for considering my loan.The business is a Convenience store.The store has been in business for more then 20yrs.The current owner is 64yrs old and wants to retire.I am taking over his lease and purchasing the store inventory on cost.The rent is low.The lease is for 5yrs with a 5yr option.The inventory on retail price is more then 45k but on cost it is around 30k.The store does good volume in sales.I have monitored the store and also checked previous years records. (Nov-17-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SPB$25.00$25.0011/16/2009 4:33:35 PM
FasTruk$25.00$25.0011/16/2009 4:36:29 PM
treasure-bliss$50.00$50.0011/16/2009 4:37:47 PM
miked8303$25.00$25.0011/16/2009 4:38:14 PM
gizzywump$25.00$25.0011/16/2009 4:38:20 PM
rmachi$25.00$25.0011/16/2009 4:38:23 PM
CASHGIRL$25.00$25.0011/16/2009 4:36:57 PM
treasure-transporter$25.00$25.0011/16/2009 4:37:44 PM
spitzbergen$25.00$25.0011/16/2009 4:38:00 PM
sloan$25.00$25.0011/16/2009 4:40:58 PM
zone8$100.00$100.0011/16/2009 4:28:48 PM
dime-fighter$25.00$25.0011/16/2009 4:30:24 PM
desertoasis$25.00$25.0011/16/2009 4:32:22 PM
efficient-bid2$25.00$25.0011/16/2009 4:49:14 PM
nowits10$25.00$25.0011/16/2009 4:49:47 PM
Banker7371$25.00$25.0011/16/2009 4:49:51 PM
hard-working-loot$25.00$25.0011/16/2009 4:50:00 PM
dinero-mason$50.00$50.0011/16/2009 4:37:20 PM
fareast_man$25.00$25.0011/16/2009 4:52:08 PM
rob1971$25.00$25.0011/16/2009 4:49:25 PM
Havana21$50.00$50.0011/16/2009 4:37:56 PM
Gibbyland$38.46$38.4611/16/2009 4:49:56 PM
justice-dna$25.00$25.0011/16/2009 4:52:38 PM
SNH$50.00$50.0011/16/2009 4:52:49 PM
beezling$52.00$52.0011/16/2009 4:53:08 PM
People-for-people$50.00$50.0011/16/2009 4:53:26 PM
GElender$25.00$25.0011/16/2009 4:51:22 PM
Poiny$25.00$25.0011/16/2009 4:51:54 PM
JGB$25.00$25.0011/16/2009 4:52:05 PM
greenwell$25.00$25.0011/16/2009 4:52:27 PM
bonus-patriot$25.00$25.0011/16/2009 4:40:15 PM
WalnutCreekguy$25.00$25.0011/16/2009 4:52:31 PM
MissionMicroFinance$25.00$25.0011/16/2009 4:52:42 PM
personal-lender$25.00$25.0011/16/2009 4:52:56 PM
reflective-rupee$25.00$25.0011/16/2009 4:55:35 PM
jazz619$25.00$25.0011/16/2009 4:40:55 PM
wise-cash-keeper$25.00$25.0011/16/2009 4:55:54 PM
murlirao2002$25.00$25.0011/16/2009 4:56:21 PM
the-money-gargantuan$25.00$25.0011/16/2009 4:54:20 PM
DadWarbucks$25.00$4.5411/16/2009 4:57:35 PM
Artist_Blue$25.00$25.0011/16/2009 4:50:06 PM
get30inc$25.00$25.0011/16/2009 4:51:03 PM
VBAces$25.00$25.0011/16/2009 4:51:20 PM
delivery$25.00$25.0011/16/2009 4:51:36 PM
ben10jen$25.00$25.0011/16/2009 4:51:46 PM
transparency-tomahawk$25.00$25.0011/16/2009 4:56:43 PM
marwadi-62$25.00$25.0011/17/2009 1:39:37 PM
PotatoLender$25.00$25.0011/17/2009 8:58:26 AM
unk1911$25.00$25.0011/17/2009 5:04:37 PM
finance-vault$25.00$25.0011/17/2009 6:19:41 PM
five-star-note$25.00$25.0011/16/2009 4:27:15 PM
InChicago$25.00$25.0011/16/2009 4:30:54 PM
reflective-rupee$25.00$25.0011/16/2009 4:32:17 PM
YogaDude34$25.00$25.0011/16/2009 4:32:41 PM
djh47a$25.00$25.0011/16/2009 4:33:03 PM
bdloans$100.00$100.0011/16/2009 4:36:49 PM
charming-point$100.00$100.0011/16/2009 4:37:28 PM
tallmon$25.00$25.0011/16/2009 4:37:36 PM
dedicated-diversification5$65.00$65.0011/16/2009 4:37:40 PM
CarDealer3070$30.00$30.0011/16/2009 4:38:08 PM
Diamond_Jim$25.00$25.0011/16/2009 4:37:01 PM
social-gatherer7$25.00$25.0011/16/2009 4:37:10 PM
lloyd_s$25.00$25.0011/16/2009 4:37:15 PM
slartibardfast$25.00$25.0011/16/2009 4:37:32 PM
Turtlebear44$25.00$25.0011/16/2009 4:37:52 PM
truth-eclair$25.00$25.0011/16/2009 4:41:02 PM
wildguy$25.00$25.0011/16/2009 4:27:48 PM
fortytwo$50.00$50.0011/16/2009 4:32:31 PM
leodaguy$25.00$25.0011/16/2009 4:49:43 PM
brother_tam$50.00$50.0011/16/2009 4:50:04 PM
burgeoning-silver$25.00$25.0011/16/2009 4:50:15 PM
wise-extraordinary-loot$25.00$25.0011/16/2009 4:50:59 PM
heroic-benefit$25.00$25.0011/16/2009 4:37:24 PM
fcb202$25.00$25.0011/16/2009 4:51:57 PM
value-pole$25.00$25.0011/16/2009 4:52:00 PM
PayItForward09$25.00$25.0011/16/2009 4:52:15 PM
pietro_torna_indietro$25.00$25.0011/16/2009 4:52:24 PM
honorable-yield$35.00$35.0011/16/2009 4:38:03 PM
puifais$25.00$25.0011/16/2009 4:38:17 PM
affluence-tycoon$25.00$25.0011/16/2009 4:38:29 PM
penny-surgeon$25.00$25.0011/16/2009 4:53:40 PM
wrighco$25.00$25.0011/16/2009 4:51:09 PM
income-rocker2$250.00$250.0011/16/2009 4:39:24 PM
louisianalender$100.00$100.0011/16/2009 4:51:41 PM
GMPK_TLAS$25.00$25.0011/16/2009 4:52:34 PM
CROBRUN$25.00$25.0011/16/2009 4:40:48 PM
Matt555555$25.00$25.0011/16/2009 4:54:11 PM
zento$25.00$25.0011/16/2009 4:54:21 PM
Speculator$25.00$25.0011/16/2009 4:57:11 PM
tsquared_030$25.00$25.0011/16/2009 4:55:59 PM
wwwUniversal$25.00$25.0011/16/2009 5:04:04 PM
lendme2$25.00$25.0011/16/2009 4:49:10 PM
AF-Chief$25.00$25.0011/16/2009 4:49:40 PM
888168$25.00$25.0011/16/2009 4:50:43 PM
mtquan$25.00$25.0011/16/2009 4:51:13 PM
jhouman$25.00$25.0011/16/2009 4:51:17 PM
secobarbital$25.00$25.0011/16/2009 4:51:27 PM
deal-pioneer1$25.00$25.0011/16/2009 4:51:51 PM
Cash_Angel$25.00$25.0011/16/2009 4:52:21 PM
Orringo$25.00$25.0011/16/2009 4:53:04 PM
loan-master996$50.00$50.0011/16/2009 4:53:12 PM
anton$25.00$25.0011/16/2009 4:54:43 PM
cognizant-wealth$25.00$25.0011/16/2009 4:54:55 PM
reflective-rupee$50.00$50.0011/16/2009 4:56:02 PM
MOVet$25.00$25.0011/17/2009 11:51:00 AM
Thunder08$25.00$25.0011/17/2009 7:53:23 AM
MOVet$25.00$25.0011/17/2009 4:41:21 PM
107 bids
 
Borrower Payment Dependent Notes Series 433609
This series of Notes was issued and sold upon the funding of the borrower loan #39571, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $45.24
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-2000 Debt/Income ratio: 12%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 14Length of status:5y 5m
Amount delinquent: $50 Revolving credit balance: $7,512 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 2    
Screen name: Kyle81 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
540-559 (Aug-2008)
 
Principal balance: $716.51 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Payingoff credit card
Purpose of loan:
I am finally getting back on my feet and this small amount will help me become debit free from high intrest rates?

My financial situation:
I am a good candidate for this loan because, I have been through the bad and now want to work towards becoming more stable

Monthly net income: $ 1400.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses:?243.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
flexible-economy2$150.00$150.0011/16/2009 4:48:06 PM
reflective-rupee$25.00$25.0011/16/2009 4:55:26 PM
Eloise62$75.00$75.0011/17/2009 7:35:16 AM
return-grizzly$130.41$130.4111/17/2009 12:46:58 PM
noble-revenue$25.00$25.0011/17/2009 5:31:21 PM
deepinvegas$100.00$100.0011/17/2009 11:07:17 PM
Dave_Cashflow$35.32$35.3211/18/2009 12:22:06 PM
penny-surgeon$25.00$25.0011/18/2009 12:25:29 PM
Iceman1347$25.00$25.0011/18/2009 9:52:15 PM
Runegeld$25.00$25.0011/19/2009 7:12:07 AM
cozy-coin5$25.00$25.0011/19/2009 11:06:48 AM
peaceful-cash5$25.00$25.0011/19/2009 11:40:06 AM
SV-AZ$25.00$25.0011/19/2009 11:55:38 AM
Jasmel$50.00$50.0011/16/2009 4:57:19 PM
vegaslender88$25.00$25.0011/16/2009 5:07:44 PM
well-mannered-income3$25.00$25.0011/16/2009 5:27:56 PM
efficient-principal$100.00$100.0011/17/2009 10:29:06 AM
DasMula$25.00$25.0011/17/2009 4:31:26 PM
festivecpl$25.00$25.0011/18/2009 7:39:15 PM
trent98375$26.00$26.0011/19/2009 12:20:18 AM
EEasyMoney$25.00$25.0011/19/2009 7:06:38 AM
kingbob$25.00$8.2711/19/2009 1:28:29 PM
22 bids
 
Borrower Payment Dependent Notes Series 434161
This series of Notes was issued and sold upon the funding of the borrower loan #39572, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 30.10% Starting monthly payment: $61.63
Final lender yield: 25.45% Final borrower rate/APR: 26.45% / 29.04% Final monthly payment: $60.80
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Aug-1996 Debt/Income ratio: 13%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 2    
Screen name: principal-sleuth Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off loans helping others
Purpose of loan:
This loan will be used to?
To pay off pay day loans I used to help another family.
My financial situation:
I am a good candidate for this loan because? because I am a honest person who will pay back the loan.I went through some tough?times trying to find my way in life and now I have found my way.I had some rough time because I was going to school.

Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 680.00
??Insurance: $ 100.00
??Car expenses: $ 225.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 100
??Clothing, household expenses $?100.00
??Credit cards and other loans: $ 2500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
zone8$100.00$100.0011/18/2009 4:00:26 PM
alex189a$25.00$25.0011/18/2009 3:59:52 PM
social-gatherer7$25.00$25.0011/18/2009 4:03:56 PM
heroic-benefit$25.00$25.0011/18/2009 4:04:03 PM
slartibardfast$25.00$25.0011/18/2009 4:04:06 PM
rmachi$25.00$25.0011/18/2009 4:04:24 PM
FasTruk$25.00$25.0011/18/2009 4:03:43 PM
CASHGIRL$25.00$25.0011/18/2009 4:03:51 PM
Turtlebear44$25.00$25.0011/18/2009 4:04:13 PM
honorable-yield$35.00$35.0011/18/2009 4:04:17 PM
miked8303$25.00$25.0011/18/2009 4:04:20 PM
affluence-tycoon$25.00$25.0011/18/2009 4:04:26 PM
bonus-patriot$25.00$25.0011/18/2009 4:05:12 PM
efficient-bid2$25.00$25.0011/18/2009 4:09:17 PM
wwwUniversal$25.00$25.0011/18/2009 4:17:25 PM
EngineersAlliance$69.26$69.2611/18/2009 4:16:30 PM
People-for-people$50.00$50.0011/18/2009 4:39:26 PM
djh47a$25.00$25.0011/18/2009 4:02:25 PM
lloyd_s$25.00$25.0011/18/2009 4:03:58 PM
charming-point$100.00$100.0011/18/2009 4:04:05 PM
CarDealer3070$30.00$30.0011/18/2009 4:04:19 PM
gizzywump$25.00$25.0011/18/2009 4:04:22 PM
Thunder08$25.00$25.0011/18/2009 7:59:34 PM
unk1911$25.00$25.0011/19/2009 10:21:29 AM
Montgomery-Burns$25.00$25.0011/19/2009 1:01:27 PM
five-star-note$25.00$25.0011/18/2009 4:00:16 PM
desertoasis$50.00$50.0011/18/2009 4:01:49 PM
SPB$25.00$25.0011/18/2009 4:02:30 PM
Diamond_Jim$25.00$25.0011/18/2009 4:03:53 PM
dedicated-diversification5$65.00$65.0011/18/2009 4:04:09 PM
dinero-mason$50.00$50.0011/18/2009 4:04:02 PM
tallmon$25.00$25.0011/18/2009 4:04:08 PM
spitzbergen$25.00$25.0011/18/2009 4:04:15 PM
jazz619$25.00$25.0011/18/2009 4:05:30 PM
sloan$25.00$25.0011/18/2009 4:05:32 PM
lendme2$25.00$25.0011/18/2009 4:09:15 PM
rob1971$25.00$14.2211/18/2009 4:09:20 PM
wildguy$25.00$25.0011/18/2009 4:00:20 PM
SweetHoneyPot$25.00$25.0011/18/2009 4:01:59 PM
3am-preacher$25.00$25.0011/18/2009 6:29:32 PM
treasure-bliss$50.00$50.0011/18/2009 4:04:12 PM
Havana21$50.00$50.0011/18/2009 4:04:14 PM
truth-eclair$25.00$25.0011/18/2009 4:05:33 PM
foothillender$25.00$25.0011/19/2009 6:37:18 AM
silvercertificate$36.52$36.5211/19/2009 9:15:33 AM
45 bids