Sales Report:Supplement No. 94 dated Dec 09, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
435132
This series of Notes was issued and sold upon the funding of the borrower loan #39894, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Nov-24-2009 |
| |
Auction end date:
| Dec-01-2009 |
|
|
Starting lender yield:
| 13.02% |
Starting borrower rate/APR:
| 14.02% / 16.42% |
Starting monthly payment:
| $51.28 |
|
Final lender yield:
| 12.84% |
Final borrower rate/APR:
| 13.84% / 16.24% |
Final monthly payment:
| $51.15 |
| |
|
Auction yield range:
| 4.20% - 13.02% |
Estimated loss impact:
| 2.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.69% | | |
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-1984 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 700-719 (Nov-2009) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 20 | Length of status: | 12y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $75,758 |
Occupation: | Sales - Commission |
|
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:
| 0 | | | | |
|
Screen name:
| cash-igniter532 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $21,000.00 | < mo. late:
| 0
( 0% )
| 720-739
(Sep-2008)
|
|
Principal balance:
| $14,373.44 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Fixing my car
Purpose of loan:
This loan will be used to repair my automobile.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time and I will be thankful if you could help me out this time around.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| greeninspirit | $25.00 | $25.00 | 11/24/2009 4:02:12 PM |
| hellasow | $25.00 | $25.00 | 11/25/2009 6:29:21 AM |
| building_community | $25.00 | $25.00 | 11/29/2009 8:29:01 AM |
| bestloanrate | $50.00 | $50.00 | 11/29/2009 6:23:07 PM |
| Spring342 | $25.00 | $25.00 | 11/30/2009 3:43:01 PM |
| buphigam | $25.00 | $25.00 | 11/30/2009 4:12:56 PM |
| credit-coach118 | $25.00 | $25.00 | 11/30/2009 4:12:05 PM |
| drkosh | $25.00 | $25.00 | 11/30/2009 6:43:19 PM |
| Johnab | $25.00 | $25.00 | 12/1/2009 5:17:08 AM |
| BoughtTheFarm | $25.00 | $25.00 | 12/1/2009 9:47:30 AM |
| pitashi | $25.00 | $25.00 | 12/1/2009 10:12:46 AM |
| MasterKey | $25.00 | $25.00 | 12/1/2009 12:07:09 PM |
| nickel-pipeline | $25.00 | $25.00 | 12/1/2009 1:45:15 PM |
| wild-orange | $100.00 | $100.00 | 12/1/2009 2:30:01 PM |
| sparkmeister | $25.00 | $25.00 | 11/25/2009 4:38:35 AM |
| Good-To-Go | $50.00 | $50.00 | 11/25/2009 8:42:35 AM |
| Unitas4302 | $200.00 | $200.00 | 11/29/2009 8:23:35 AM |
| vine99 | $65.00 | $65.00 | 11/29/2009 1:43:44 PM |
| vegaslender88 | $25.00 | $25.00 | 11/30/2009 1:55:52 PM |
| oldman68 | $25.00 | $25.00 | 11/30/2009 6:56:25 PM |
| newbietony | $30.00 | $30.00 | 11/30/2009 6:17:26 PM |
| nickel-pipeline | $50.00 | $50.00 | 11/30/2009 9:16:54 PM |
| Ven58 | $25.00 | $25.00 | 11/30/2009 9:19:12 PM |
| nickel-pipeline | $25.00 | $25.00 | 12/1/2009 6:49:31 AM |
| icess285 | $25.00 | $25.00 | 12/1/2009 11:41:20 AM |
| KDW08 | $25.00 | $25.00 | 12/1/2009 11:44:03 AM |
| orbiter614 | $150.00 | $150.00 | 12/1/2009 12:16:26 PM |
| CA_Lender | $25.00 | $25.00 | 12/1/2009 12:22:51 PM |
| JerryB96 | $25.00 | $25.00 | 12/1/2009 1:20:55 PM |
| wwwUniversal | $25.00 | $25.00 | 12/1/2009 2:32:23 PM |
| jybank | $25.00 | $25.00 | 12/1/2009 2:46:38 PM |
| nickel-pipeline | $25.00 | $25.00 | 12/1/2009 3:31:09 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 12/1/2009 3:41:32 PM |
| goodhearted-basis4 | $25.00 | $25.00 | 12/1/2009 3:22:07 PM |
| wealth-pipeline | $25.00 | $25.00 | 12/1/2009 3:35:11 PM |
| dblaz5 | $200.00 | $99.90 | 12/1/2009 3:21:19 PM |
| beemersdad | $30.10 | $30.10 | 12/1/2009 3:51:30 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
435228
This series of Notes was issued and sold upon the funding of the borrower loan #39868, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,950.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| Nov-25-2009 |
| |
Auction end date:
| Dec-02-2009 |
|
|
Starting lender yield:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 34.41% |
Starting monthly payment:
| $302.70 |
|
Final lender yield:
| 21.75% |
Final borrower rate/APR:
| 22.75% / 25.02% |
Final monthly payment:
| $268.13 |
| |
|
Auction yield range:
| 8.20% - 31.00% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Nov-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 7y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $9,622 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 83% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 12 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| tuffbank |
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
Stopping the Bleeding
Purpose of loan:
This loan will be used to pay closing costs required to sell my rental
property. Unfortunately, I have owned the property for 7 years and still find
myself having to bring $7000 to closing. After 6 months on the market and 80
showings, this is our 2nd offer. Nearby foreclosures have significantly
decreased the value of the property and this offer is probably the best that we
can expect.
My financial situation:
I am a good candidate for this loan because I have plenty of discretionary
income to pay back the loan. With the rental mortgage ($1240) eliminated, I
will have $2745 a month to pay
back the loan.
Monthly Income: $ 5785
Monthly expenses: $3040
Housing: $ 1850
??Insurance: $ 150
??Car expenses: $60 Gas (No Car Loans)?
??Utilities: $ 120
??Phone, cable, internet: $60
??Food, entertainment: $ 400
??Clothing, household expenses $100?
??Credit cards and other loans: $ 300
Net Income: $2745
My delinquencies are from over 7 years ago when I was laid off and fell
behind with my bills. They should actually be falling off my credit report any
day now.?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| WeAlNe | $25.00 | $25.00 | 11/25/2009 1:57:32 PM |
| theaterguy | $25.00 | $25.00 | 11/25/2009 1:57:55 PM |
| monticello | $30.00 | $30.00 | 11/25/2009 1:58:10 PM |
| HalfDayz | $50.00 | $50.00 | 11/25/2009 1:57:47 PM |
| spsavage | $25.00 | $25.00 | 11/25/2009 1:57:58 PM |
| icefish | $50.00 | $50.00 | 11/25/2009 1:58:13 PM |
| 371millwood | $25.00 | $25.00 | 11/25/2009 1:59:05 PM |
| wildguy | $50.00 | $50.00 | 11/25/2009 1:59:15 PM |
| Veloce | $25.00 | $25.00 | 11/25/2009 1:59:55 PM |
| draggon77 | $25.00 | $25.00 | 11/25/2009 2:00:11 PM |
| wise-spirited-nickel | $25.00 | $25.00 | 11/25/2009 2:00:51 PM |
| derec | $25.00 | $25.00 | 11/25/2009 2:00:24 PM |
| iruz | $50.00 | $50.00 | 11/25/2009 1:59:06 PM |
| five-star-note | $35.00 | $35.00 | 11/25/2009 1:59:14 PM |
| crazycool | $35.00 | $35.00 | 11/25/2009 2:00:38 PM |
| skuba | $25.00 | $25.00 | 11/25/2009 2:00:44 PM |
| crenen139 | $50.00 | $50.00 | 11/25/2009 2:02:04 PM |
| booksleuth | $50.00 | $50.00 | 11/25/2009 2:00:43 PM |
| slartibardfast | $25.00 | $25.00 | 11/25/2009 2:01:39 PM |
| DrStaff | $26.29 | $26.29 | 11/25/2009 2:02:42 PM |
| Banker7371 | $25.00 | $25.00 | 11/25/2009 2:01:35 PM |
| bruin558 | $50.00 | $50.00 | 11/25/2009 2:02:52 PM |
| wrighco | $25.00 | $25.00 | 11/25/2009 2:01:43 PM |
| Buffer10 | $100.00 | $100.00 | 11/25/2009 2:02:12 PM |
| efficient-bid2 | $25.00 | $25.00 | 11/25/2009 2:01:50 PM |
| fair-funds | $25.00 | $25.00 | 11/25/2009 2:02:17 PM |
| GElender | $50.00 | $50.00 | 11/25/2009 2:02:59 PM |
| JGB | $25.00 | $25.00 | 11/25/2009 2:03:08 PM |
| thestartuplender | $35.00 | $35.00 | 11/25/2009 2:02:01 PM |
| melodious-fairness | $25.00 | $25.00 | 11/25/2009 2:02:11 PM |
| BayShell | $38.97 | $38.97 | 11/25/2009 2:02:52 PM |
| yeti888 | $25.00 | $25.00 | 11/25/2009 2:02:20 PM |
| dsw6440 | $50.00 | $50.00 | 11/25/2009 2:03:47 PM |
| p2p-allocator | $25.00 | $25.00 | 11/25/2009 2:03:49 PM |
| Slowtype | $25.00 | $25.00 | 11/25/2009 2:02:30 PM |
| bbrelo | $25.00 | $25.00 | 11/25/2009 2:03:55 PM |
| twirl2 | $25.00 | $25.00 | 11/25/2009 2:03:58 PM |
| selfmademan | $25.00 | $25.00 | 11/25/2009 2:02:43 PM |
| dollar-oracle55 | $25.00 | $25.00 | 11/25/2009 2:03:24 PM |
| fortytwo | $87.20 | $87.20 | 11/25/2009 2:03:30 PM |
| puifais | $25.00 | $25.00 | 11/25/2009 2:04:20 PM |
| sensible-trade | $25.00 | $25.00 | 11/25/2009 2:03:34 PM |
| PatRichi | $25.00 | $25.00 | 11/25/2009 2:03:37 PM |
| power-flow6 | $25.00 | $25.00 | 11/25/2009 2:04:26 PM |
| ArkoshKovash | $25.00 | $25.00 | 11/25/2009 2:03:46 PM |
| steves73 | $25.00 | $25.00 | 11/25/2009 2:03:20 PM |
| rjleves | $25.00 | $25.00 | 11/25/2009 2:03:54 PM |
| d_grbg | $25.00 | $25.00 | 11/25/2009 2:04:33 PM |
| honorable-yield | $50.00 | $50.00 | 11/25/2009 2:03:22 PM |
| the-silver-blaster | $60.00 | $60.00 | 11/25/2009 2:03:46 PM |
| mmqc | $25.00 | $25.00 | 11/25/2009 2:04:05 PM |
| mathprof | $25.00 | $25.00 | 11/25/2009 2:04:09 PM |
| Velocity_Lenders | $50.00 | $50.00 | 11/25/2009 2:05:05 PM |
| special-truth | $25.00 | $25.00 | 11/25/2009 2:05:09 PM |
| piter-to-la-investment | $25.00 | $25.00 | 11/25/2009 2:05:29 PM |
| seanwolter | $25.00 | $25.00 | 11/25/2009 2:05:33 PM |
| loanfairy | $25.00 | $25.00 | 11/25/2009 2:05:01 PM |
| Cbgator | $25.00 | $25.00 | 11/25/2009 2:05:32 PM |
| lounges | $25.00 | $25.00 | 11/25/2009 2:05:45 PM |
| community-pipeline8 | $50.00 | $21.40 | 11/25/2009 2:06:02 PM |
| robot777 | $40.00 | $40.00 | 11/25/2009 2:16:17 PM |
| jhouman | $25.00 | $25.00 | 11/25/2009 2:18:32 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 11/25/2009 2:21:44 PM |
| wwwUniversal | $25.00 | $25.00 | 11/25/2009 2:22:40 PM |
| AKK1980 | $49.00 | $49.00 | 11/25/2009 4:45:39 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/26/2009 5:14:36 AM |
| efficient-principal | $25.00 | $25.00 | 11/27/2009 9:13:07 AM |
| interstellar | $50.00 | $50.00 | 11/27/2009 1:22:53 PM |
| d_grbg | $25.00 | $25.00 | 11/27/2009 4:53:49 PM |
| order-bee1 | $25.00 | $25.00 | 11/28/2009 4:30:31 PM |
| ilikeboats | $75.00 | $75.00 | 11/28/2009 2:59:34 PM |
| tnjohnso | $25.00 | $25.00 | 11/30/2009 4:11:52 PM |
| caseattle | $25.00 | $25.00 | 11/30/2009 9:10:00 PM |
| Astyanax | $25.00 | $25.00 | 12/1/2009 3:54:09 PM |
| amitkj2000 | $40.00 | $40.00 | 12/1/2009 3:59:23 PM |
| steady-dime | $100.00 | $100.00 | 12/1/2009 3:55:58 PM |
| Snoopylover | $25.00 | $25.00 | 12/1/2009 4:38:36 PM |
| Astounding | $25.00 | $25.00 | 12/1/2009 4:44:15 PM |
| People-for-people | $50.00 | $50.00 | 12/1/2009 4:50:30 PM |
| Gaelicman | $50.00 | $50.00 | 12/1/2009 4:40:58 PM |
| carrinel | $100.00 | $100.00 | 12/1/2009 4:42:36 PM |
| YoungTaxMan | $50.00 | $50.00 | 12/1/2009 4:39:01 PM |
| loss-of-control | $50.00 | $50.00 | 12/1/2009 5:46:40 PM |
| portfolio-turbine | $25.00 | $25.00 | 12/1/2009 4:59:56 PM |
| TakeCare | $100.00 | $100.00 | 12/1/2009 9:47:42 PM |
| -PokerNut | $50.00 | $50.00 | 12/1/2009 7:49:05 PM |
| peso-bonaza | $25.00 | $25.00 | 12/1/2009 9:10:17 PM |
| elegant-bonus | $25.00 | $25.00 | 12/2/2009 7:24:31 AM |
| Easystreet | $25.00 | $25.00 | 12/2/2009 7:26:28 AM |
| 4est | $25.00 | $25.00 | 12/2/2009 7:27:50 AM |
| Bob450 | $25.00 | $25.00 | 12/1/2009 10:17:44 PM |
| safe-money5 | $25.00 | $25.00 | 12/2/2009 7:28:19 AM |
| Ambassador | $50.00 | $50.00 | 12/2/2009 5:05:16 AM |
| Robbdogg | $40.02 | $40.02 | 12/2/2009 7:19:08 AM |
| ConcreteOne | $25.00 | $25.00 | 12/2/2009 9:21:46 AM |
| squarebob | $50.00 | $50.00 | 12/2/2009 9:26:56 AM |
| mustang9935 | $25.00 | $25.00 | 12/2/2009 9:36:36 AM |
| Crimon | $34.57 | $34.57 | 12/2/2009 11:24:18 AM |
| ChewyZ | $25.00 | $25.00 | 12/2/2009 11:58:20 AM |
| aurorafinancial | $50.00 | $50.00 | 12/2/2009 1:23:44 PM |
| Skeptical-one | $50.00 | $50.00 | 12/2/2009 12:44:45 PM |
| nickel-pipeline | $50.00 | $50.00 | 12/2/2009 12:45:56 PM |
| RyanM561 | $25.00 | $25.00 | 12/2/2009 1:51:35 PM |
| goodhearted-basis4 | $25.00 | $25.00 | 12/2/2009 1:42:41 PM |
| sdkakarok | $25.04 | $25.04 | 12/2/2009 1:19:01 PM |
| zztopdog | $25.00 | $25.00 | 12/2/2009 1:47:42 PM |
| Engineer44 | $39.00 | $39.00 | 12/2/2009 1:52:05 PM |
| JDFuego | $25.00 | $25.00 | 11/25/2009 1:57:45 PM |
| mydreamsagain | $25.00 | $25.00 | 11/25/2009 1:57:52 PM |
| xphile | $25.00 | $25.00 | 11/25/2009 1:58:15 PM |
| kginatl | $50.03 | $50.03 | 11/25/2009 1:57:21 PM |
| ctgscott | $25.00 | $25.00 | 11/25/2009 1:58:28 PM |
| KiwiElf | $25.00 | $25.00 | 11/25/2009 1:58:40 PM |
| AF_Trust | $25.00 | $25.00 | 11/25/2009 1:57:34 PM |
| ogoog | $25.00 | $25.00 | 11/25/2009 1:57:40 PM |
| pbo922 | $25.00 | $25.00 | 11/25/2009 1:57:49 PM |
| showmestatekid | $25.00 | $25.00 | 11/25/2009 1:59:28 PM |
| All_Wins | $25.00 | $25.00 | 11/25/2009 2:00:26 PM |
| reward-adventure | $25.00 | $25.00 | 11/25/2009 1:58:19 PM |
| pwkpwk | $25.00 | $25.00 | 11/25/2009 2:00:20 PM |
| hard-working-loot | $25.00 | $25.00 | 11/25/2009 2:00:37 PM |
| desertoasis | $25.00 | $25.00 | 11/25/2009 2:01:15 PM |
| treasure-bliss | $50.00 | $50.00 | 11/25/2009 2:01:20 PM |
| IIP77 | $25.00 | $25.00 | 11/25/2009 1:59:48 PM |
| Speculator | $25.00 | $25.00 | 11/25/2009 2:01:57 PM |
| five-star-justice | $36.00 | $36.00 | 11/25/2009 2:01:24 PM |
| AF-Chief | $35.00 | $35.00 | 11/25/2009 2:00:53 PM |
| VBAces | $50.00 | $50.00 | 11/25/2009 2:01:46 PM |
| puntme | $25.00 | $25.00 | 11/25/2009 2:02:21 PM |
| the-money-gargantuan | $25.00 | $25.00 | 11/25/2009 2:01:54 PM |
| deal-pioneer1 | $25.00 | $25.00 | 11/25/2009 2:03:03 PM |
| elevated-platinum5 | $50.00 | $50.00 | 11/25/2009 2:03:10 PM |
| beezling | $40.00 | $40.00 | 11/25/2009 2:03:15 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 11/25/2009 2:02:07 PM |
| MakoF16 | $50.00 | $50.00 | 11/25/2009 2:02:23 PM |
| PHI4308 | $25.00 | $25.00 | 11/25/2009 2:03:48 PM |
| Champpilot | $50.00 | $50.00 | 11/25/2009 2:03:50 PM |
| Carpetkid | $25.00 | $25.00 | 11/25/2009 2:03:16 PM |
| skiberdad | $50.00 | $50.00 | 11/25/2009 2:04:06 PM |
| Dahlozer | $25.00 | $25.00 | 11/25/2009 2:04:21 PM |
| BidPlace | $25.00 | $25.00 | 11/25/2009 2:03:35 PM |
| Boca | $25.00 | $25.00 | 11/25/2009 2:04:29 PM |
| return-elm | $25.00 | $25.00 | 11/25/2009 2:04:32 PM |
| kid8549 | $25.00 | $25.00 | 11/25/2009 2:03:57 PM |
| dansarkis | $25.00 | $25.00 | 11/25/2009 2:04:36 PM |
| Frenchynh | $25.00 | $25.00 | 11/25/2009 2:04:23 PM |
| aldeed | $25.00 | $25.00 | 11/25/2009 2:03:43 PM |
| revenue-serenity | $25.00 | $25.00 | 11/25/2009 2:04:58 PM |
| Aimvest | $25.00 | $25.00 | 11/25/2009 2:04:31 PM |
| 888168 | $25.00 | $25.00 | 11/25/2009 2:05:16 PM |
| loan-machine1 | $25.00 | $25.00 | 11/25/2009 2:05:27 PM |
| stollcm | $25.00 | $25.00 | 11/25/2009 2:04:55 PM |
| summerlander | $25.00 | $25.00 | 11/25/2009 2:05:36 PM |
| stanbalwight4 | $25.00 | $25.00 | 11/25/2009 2:05:42 PM |
| MrDavid | $25.00 | $25.00 | 11/25/2009 2:04:17 PM |
| dspmn | $25.00 | $25.00 | 11/25/2009 2:05:22 PM |
| deal-kung-fu | $25.00 | $25.00 | 11/25/2009 2:05:58 PM |
| standanddeliver | $25.00 | $25.00 | 11/25/2009 2:04:42 PM |
| alverado | $25.00 | $25.00 | 11/25/2009 2:05:24 PM |
| dullstar | $25.00 | $25.00 | 11/25/2009 2:04:47 PM |
| Sierralance | $25.00 | $25.00 | 11/25/2009 2:05:31 PM |
| teller | $25.00 | $25.00 | 11/25/2009 2:05:49 PM |
| jybank | $25.00 | $25.00 | 11/25/2009 2:19:46 PM |
| building_community | $25.00 | $25.00 | 11/25/2009 2:22:34 PM |
| Ven58 | $25.00 | $25.00 | 11/25/2009 2:22:44 PM |
| rate-seahorse | $25.00 | $25.00 | 11/25/2009 4:11:48 PM |
| grf1945 | $25.00 | $25.00 | 11/25/2009 7:57:50 PM |
| unk1911 | $25.00 | $25.00 | 11/27/2009 10:27:38 AM |
| Syzygy | $25.00 | $25.00 | 11/27/2009 6:51:08 PM |
| cvlender | $25.00 | $25.00 | 11/27/2009 10:31:04 PM |
| bartenderpro | $25.00 | $25.00 | 11/28/2009 11:27:05 AM |
| economy-synapse | $25.00 | $25.00 | 11/29/2009 7:47:47 PM |
| ronin4sale | $25.00 | $25.00 | 11/30/2009 1:26:25 PM |
| microfunder | $25.00 | $25.00 | 12/1/2009 6:37:31 AM |
| justice-dna | $50.00 | $50.00 | 12/1/2009 12:06:29 PM |
| funds-kingdom | $75.00 | $75.00 | 12/1/2009 4:35:32 PM |
| UCLA4life | $25.00 | $25.00 | 12/1/2009 4:49:28 PM |
| loss-of-control | $50.00 | $50.00 | 12/1/2009 5:45:18 PM |
| loss-of-control | $50.00 | $50.00 | 12/1/2009 5:45:45 PM |
| gothampark | $25.00 | $25.00 | 12/1/2009 5:39:08 PM |
| momoney2lend | $25.00 | $25.00 | 12/1/2009 5:58:31 PM |
| lendme2 | $75.00 | $75.00 | 12/1/2009 7:06:55 PM |
| lender12345 | $25.00 | $25.00 | 12/1/2009 8:07:43 PM |
| kelkbtb | $25.00 | $25.00 | 12/1/2009 7:07:36 PM |
| engbusres | $27.00 | $27.00 | 12/1/2009 8:39:13 PM |
| wild-orange | $25.00 | $25.00 | 12/2/2009 1:34:14 AM |
| Laxa | $25.00 | $25.00 | 12/2/2009 4:24:50 AM |
| p2p-gala | $25.00 | $25.00 | 12/1/2009 10:02:03 PM |
| FundMaker | $25.00 | $25.00 | 12/1/2009 11:30:30 PM |
| double22 | $25.00 | $25.00 | 12/2/2009 8:16:47 AM |
| Steveoo1 | $50.00 | $50.00 | 12/2/2009 7:08:43 AM |
| just-trade0 | $36.00 | $36.00 | 12/2/2009 9:27:56 AM |
| velocity-winner | $25.00 | $25.00 | 12/2/2009 9:54:08 AM |
| DJSweetChrisBell | $69.29 | $69.29 | 12/2/2009 10:55:33 AM |
| night0wl | $25.00 | $25.00 | 12/2/2009 10:17:42 AM |
| BLKLOC11 | $40.00 | $40.00 | 12/2/2009 9:36:58 AM |
| LarWit1512 | $25.00 | $25.00 | 12/2/2009 11:20:36 AM |
| worth-arch | $25.00 | $25.00 | 12/2/2009 10:49:11 AM |
| momentous-transaction8 | $100.00 | $100.00 | 12/2/2009 11:10:54 AM |
| BankOfThomas | $25.19 | $25.19 | 12/2/2009 10:50:34 AM |
| jswanso2 | $25.00 | $25.00 | 12/2/2009 11:52:53 AM |
| nickel-ranch | $25.00 | $25.00 | 12/2/2009 11:25:05 AM |
| worldly-gold | $100.00 | $100.00 | 12/2/2009 12:59:58 PM |
| friendinmoney | $50.00 | $50.00 | 12/2/2009 1:50:29 PM |
| RobinHood | $50.00 | $50.00 | 12/2/2009 1:42:02 PM |
| 205 bids
|
Borrower Payment Dependent Notes Series
435318
This series of Notes was issued and sold upon the funding of the borrower loan #39877, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Nov-25-2009 |
| |
Auction end date:
| Dec-02-2009 |
|
|
Starting lender yield:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 34.41% |
Starting monthly payment:
| $108.89 |
|
Final lender yield:
| 24.40% |
Final borrower rate/APR:
| 25.40% / 27.71% |
Final monthly payment:
| $99.93 |
| |
|
Auction yield range:
| 11.20% - 31.00% |
Estimated loss impact:
| 10.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.80% | | |
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:
| Oct-1996 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 640-659 (Nov-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 25 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,189 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 87% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| moola-tonic2 |
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
Home Improvement Loan
Purpose of loan:
We just closed on our first home November 12. I will be using this loan to address
some immediate needs, such as carpeting for our upstairs bedrooms and some
painting which needs to be done throughout the home. Additionally, we would l
like to add a storm door before the Wisconsin Winter sets in. I will be leaving
for the Middle East the first week of January for four months and it would be
nice to take care of as much as I can before deploying.
My financial situation:
I am a good candidate for this loan because have an excellent credit payment
history, as well as an excellent work history. I work for a military
contractor. I am a veteran and was honorably discharged in 2006. I changed employers
in March, but I am working in the same career field and have been since I
joined the Air Force in 2000. I switched employers so that we could relocate
back to Wisconsin and be nearer family. We just purchased our first home on
November 12 and I will be repaying the Prosper Loan with our first time home
buyers tax credit. The credit is worth $8000, plus we will be getting our
normal return which will be between $7500 and $10000.
Monthly net income: $ 8500
Monthly expenses: $ 4500
??Housing: $ 1091
??Insurance: $ 250
??Car expenses: $ 680
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800 ($500 in student loans)
??Other expenses: $ 500
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reflective-rupee | $50.00 | $50.00 | 11/25/2009 2:19:43 PM |
| forthright-dedication | $25.00 | $25.00 | 11/28/2009 3:47:32 PM |
| Unitas4302 | $100.00 | $100.00 | 11/29/2009 8:40:56 AM |
| vivacious-p2p3 | $25.00 | $25.00 | 11/30/2009 2:54:50 PM |
| scarlet-velvet | $25.00 | $25.00 | 11/30/2009 5:19:09 PM |
| loss-of-control | $100.00 | $100.00 | 11/30/2009 6:48:55 PM |
| loss-of-control | $25.00 | $16.10 | 11/30/2009 6:50:04 PM |
| cashasaurus0 | $200.00 | $200.00 | 12/1/2009 5:31:37 AM |
| icecoldcash | $50.00 | $50.00 | 12/1/2009 8:15:34 AM |
| brilliant-balance | $25.00 | $25.00 | 12/1/2009 8:10:58 AM |
| mercuriant | $25.00 | $25.00 | 12/1/2009 1:11:13 PM |
| building_community | $25.00 | $25.00 | 12/1/2009 5:35:24 PM |
| peso-bonaza | $25.00 | $25.00 | 12/1/2009 9:01:14 PM |
| johnpmid | $25.00 | $25.00 | 12/1/2009 9:17:11 PM |
| FundMaker | $30.00 | $30.00 | 12/1/2009 8:47:23 PM |
| erccpa | $98.77 | $98.77 | 12/2/2009 4:49:29 AM |
| credit-missile | $100.00 | $100.00 | 12/2/2009 7:08:11 AM |
| fatboy888 | $25.00 | $25.00 | 12/2/2009 5:59:17 AM |
| FinanceEngine | $25.00 | $25.00 | 12/2/2009 8:35:25 AM |
| HomerdohNY | $25.00 | $25.00 | 12/2/2009 10:30:13 AM |
| SCRUGZY | $25.00 | $25.00 | 12/2/2009 12:18:47 PM |
| padewy | $25.00 | $25.00 | 12/2/2009 11:35:43 AM |
| Skeptical-one | $50.00 | $50.00 | 12/2/2009 12:46:06 PM |
| RecoveryLender | $25.00 | $25.00 | 12/2/2009 12:05:32 PM |
| Bobusa | $25.00 | $25.00 | 12/2/2009 1:10:39 PM |
| heerzaquestion | $25.00 | $25.00 | 12/2/2009 1:11:17 PM |
| wise-repayment-seeker | $25.00 | $25.00 | 12/2/2009 1:42:51 PM |
| worldly-gold | $100.00 | $100.00 | 12/2/2009 1:53:24 PM |
| kinetic-social | $50.00 | $50.00 | 12/2/2009 1:54:18 PM |
| efficient-bid2 | $200.00 | $200.00 | 12/2/2009 1:50:32 PM |
| caddy5662 | $100.00 | $100.00 | 12/2/2009 1:52:44 PM |
| steiglends | $100.00 | $100.00 | 11/30/2009 9:47:03 AM |
| loss-of-control | $50.00 | $50.00 | 11/30/2009 6:49:27 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/1/2009 11:33:29 AM |
| zento | $25.00 | $25.00 | 12/1/2009 2:39:46 PM |
| deepblue34 | $25.00 | $25.00 | 12/1/2009 6:03:22 PM |
| theegg11 | $30.13 | $30.13 | 12/1/2009 5:53:02 PM |
| Stozer | $25.00 | $25.00 | 12/1/2009 7:12:57 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 12/1/2009 7:06:06 PM |
| Pu239 | $50.00 | $50.00 | 12/1/2009 9:08:00 PM |
| peso-bonaza | $25.00 | $25.00 | 12/1/2009 9:21:48 PM |
| Laxa | $50.00 | $50.00 | 12/1/2009 9:34:58 PM |
| p2p-gala | $25.00 | $25.00 | 12/1/2009 10:02:47 PM |
| EngineersAlliance | $75.00 | $75.00 | 12/2/2009 9:40:09 AM |
| jybank | $25.00 | $25.00 | 12/2/2009 10:46:28 AM |
| felicity-daydream | $50.00 | $50.00 | 12/2/2009 11:39:45 AM |
| piter-to-la-investment | $50.00 | $50.00 | 12/2/2009 12:46:08 PM |
| icecoldcash | $50.00 | $50.00 | 12/2/2009 12:11:05 PM |
| nickel-pipeline | $50.00 | $50.00 | 12/2/2009 1:10:57 PM |
| maga | $25.00 | $25.00 | 12/2/2009 1:37:12 PM |
| credit-missile | $50.00 | $50.00 | 12/2/2009 1:43:46 PM |
| 51 bids
|
Borrower Payment Dependent Notes Series
435392
This series of Notes was issued and sold upon the funding of the borrower loan #39824, 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-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 30.34% |
Starting borrower rate/APR:
| 31.34% / 33.74% |
Starting monthly payment:
| $215.94 |
|
Final lender yield:
| 25.45% |
Final borrower rate/APR:
| 26.45% / 28.78% |
Final monthly payment:
| $202.65 |
| |
|
Auction yield range:
| 11.20% - 30.34% |
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:
| Apr-1990 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Nov-2009) |
Current / open credit lines:
| 3
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $699 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 57% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| red-loan-miser |
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
new floor
Purpose of loan:
This loan will be used to for a new floor in my kitchen, a turn around for the drive way and a few side projects.
My financial situation:
I am a good candidate for this loan because i will pay back the loan on time.
Monthly net income: $ 2132
Monthly expenses: $ 1317
??Housing: $ 550
??Insurance: $107
??Car expenses: $?50
??Utilities: $ 200
??Phone, cable, internet: $ 110
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| doublediamond | $25.00 | $25.00 | 11/30/2009 9:24:45 AM |
| tillit | $25.00 | $25.00 | 11/30/2009 9:30:40 AM |
| blooming-dedication | $50.00 | $50.00 | 11/30/2009 9:31:41 AM |
| zeelender | $25.00 | $25.00 | 11/30/2009 9:33:51 AM |
| omerta6102 | $50.00 | $50.00 | 11/30/2009 9:33:48 AM |
| showmestatekid | $25.00 | $25.00 | 11/30/2009 9:35:30 AM |
| SF2Berlin | $25.00 | $25.00 | 11/30/2009 9:34:31 AM |
| catomaior | $25.00 | $25.00 | 11/30/2009 9:37:12 AM |
| DreamsDoComeTrue | $50.00 | $50.00 | 11/30/2009 9:37:23 AM |
| LongTail | $25.00 | $25.00 | 11/30/2009 9:37:34 AM |
| noble-revenue | $57.23 | $57.23 | 11/30/2009 9:41:23 AM |
| MONEYMATCH | $50.00 | $50.00 | 11/30/2009 9:41:55 AM |
| kginatl | $25.00 | $25.00 | 11/30/2009 9:42:51 AM |
| lagnisiruk | $25.00 | $25.00 | 11/30/2009 9:37:22 AM |
| jlr613 | $25.00 | $25.00 | 11/30/2009 9:37:37 AM |
| Mantis75 | $25.00 | $25.00 | 11/30/2009 9:41:12 AM |
| pythia | $25.00 | $25.00 | 11/30/2009 9:41:21 AM |
| gustavzantanon | $50.00 | $50.00 | 11/30/2009 9:45:00 AM |
| yeti888 | $25.00 | $25.00 | 11/30/2009 9:50:57 AM |
| jhouman | $25.00 | $25.00 | 11/30/2009 10:56:54 AM |
| building_community | $25.00 | $25.00 | 11/30/2009 11:03:13 AM |
| economy-synapse | $25.00 | $25.00 | 11/30/2009 11:17:14 AM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 1:41:04 PM |
| unk1911 | $25.00 | $25.00 | 11/30/2009 1:38:41 PM |
| felicity-daydream | $50.00 | $50.00 | 11/30/2009 2:32:07 PM |
| professional-finance | $25.00 | $25.00 | 11/30/2009 3:18:09 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/30/2009 3:28:15 PM |
| outofoffice | $50.00 | $50.00 | 11/30/2009 4:19:28 PM |
| hellasow | $25.00 | $25.00 | 12/1/2009 7:58:53 AM |
| mercuriant | $25.00 | $25.00 | 12/1/2009 4:01:31 PM |
| vine99 | $65.00 | $65.00 | 12/1/2009 8:28:36 PM |
| cashasaurus0 | $100.00 | $100.00 | 12/2/2009 11:00:50 AM |
| charming-point | $100.00 | $100.00 | 12/2/2009 12:28:04 PM |
| wwwUniversal | $25.00 | $25.00 | 12/2/2009 1:28:47 PM |
| libraryfrenzy | $25.00 | $25.00 | 12/2/2009 4:35:18 PM |
| TakeCare | $50.00 | $50.00 | 12/2/2009 9:25:07 PM |
| Streamfeeder | $50.00 | $50.00 | 12/3/2009 9:39:18 AM |
| melodious-fairness | $25.00 | $25.00 | 12/3/2009 11:23:50 AM |
| UCLA4life | $25.00 | $25.00 | 12/3/2009 2:06:29 PM |
| basis-image | $25.00 | $25.00 | 12/3/2009 1:30:28 PM |
| LeoBUSIIT | $25.00 | $25.00 | 12/3/2009 3:13:21 PM |
| Vartindar | $25.00 | $25.00 | 12/3/2009 5:36:56 PM |
| Doug1043 | $25.00 | $25.00 | 12/3/2009 7:43:58 PM |
| MrLeft | $45.00 | $45.00 | 12/4/2009 6:46:03 AM |
| leverage-monger | $25.00 | $25.00 | 12/4/2009 10:13:31 AM |
| rmachi | $25.00 | $25.00 | 12/4/2009 10:30:00 AM |
| ChrisKwan | $25.00 | $25.00 | 12/4/2009 12:10:49 PM |
| padewy | $25.00 | $25.00 | 12/4/2009 2:20:45 PM |
| JayIsABear | $25.00 | $25.00 | 12/4/2009 2:25:01 PM |
| marwadi-62 | $25.00 | $25.00 | 12/4/2009 3:07:06 PM |
| paceme1 | $25.00 | $25.00 | 12/4/2009 3:43:38 PM |
| credit-coach118 | $25.00 | $25.00 | 12/4/2009 7:20:12 PM |
| Smallbear | $50.00 | $50.00 | 12/5/2009 2:59:04 PM |
| unger | $40.00 | $40.00 | 12/5/2009 5:20:58 PM |
| Sugarmama21 | $50.00 | $50.00 | 12/5/2009 7:31:18 PM |
| the-silver-blaster | $50.00 | $50.00 | 12/5/2009 5:56:03 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 12/5/2009 8:21:07 PM |
| auction-mastery | $25.00 | $25.00 | 12/5/2009 8:37:11 PM |
| worldly-gold | $50.00 | $50.00 | 12/6/2009 8:00:34 AM |
| buffalobills | $25.00 | $25.00 | 12/6/2009 11:26:42 AM |
| a-finance-nirvana | $100.00 | $100.00 | 12/6/2009 4:01:34 PM |
| loss-of-control | $25.00 | $25.00 | 12/6/2009 2:11:54 PM |
| Frugal | $25.00 | $25.00 | 12/6/2009 6:32:50 PM |
| Pu239 | $50.00 | $50.00 | 12/7/2009 8:04:15 AM |
| fireferd | $100.00 | $100.00 | 12/7/2009 8:24:36 AM |
| Kyileo | $25.00 | $25.00 | 12/7/2009 8:45:54 AM |
| Engineer44 | $25.00 | $25.00 | 12/7/2009 9:23:04 AM |
| stoopidnoodle | $25.00 | $25.00 | 11/30/2009 9:30:57 AM |
| MrMcduck | $25.00 | $25.00 | 11/30/2009 9:31:14 AM |
| econman1 | $25.00 | $25.00 | 11/30/2009 9:31:42 AM |
| impasse1 | $25.00 | $25.00 | 11/30/2009 9:31:51 AM |
| yarg | $25.00 | $25.00 | 11/30/2009 9:34:28 AM |
| OSERENKUKU | $25.00 | $25.00 | 11/30/2009 9:34:29 AM |
| compsciman | $25.53 | $25.53 | 11/30/2009 9:32:04 AM |
| Fernpatch_autoshop | $25.00 | $25.00 | 11/30/2009 9:37:11 AM |
| mudaholic | $25.00 | $25.00 | 11/30/2009 9:32:56 AM |
| wildguy | $25.00 | $25.00 | 11/30/2009 9:41:43 AM |
| ITExec | $100.00 | $100.00 | 11/30/2009 9:36:38 AM |
| teejay411 | $100.00 | $100.00 | 11/30/2009 9:37:26 AM |
| desertoasis | $25.00 | $25.00 | 11/30/2009 9:46:36 AM |
| treasure-bliss | $100.00 | $100.00 | 11/30/2009 9:50:46 AM |
| fortytwo | $50.00 | $50.00 | 11/30/2009 9:46:40 AM |
| mathprof | $25.00 | $10.34 | 11/30/2009 9:51:15 AM |
| SweetHoneyPot | $25.00 | $25.00 | 11/30/2009 10:47:41 AM |
| Yomain | $25.00 | $25.00 | 11/30/2009 11:12:42 AM |
| money-prophesy | $150.00 | $150.00 | 11/30/2009 11:15:36 AM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 3:19:22 PM |
| Bob450 | $25.00 | $25.00 | 11/30/2009 10:55:51 PM |
| foothillender | $25.00 | $25.00 | 12/1/2009 7:37:53 AM |
| loss-of-control | $50.00 | $50.00 | 12/1/2009 6:13:27 PM |
| loss-of-control | $50.00 | $50.00 | 12/1/2009 6:13:50 PM |
| Montgomery-Burns | $25.00 | $25.00 | 12/2/2009 9:35:17 AM |
| BenR | $100.00 | $100.00 | 12/2/2009 10:01:20 AM |
| friendinmoney | $50.00 | $50.00 | 12/2/2009 1:54:57 PM |
| Peterman | $36.49 | $36.49 | 12/2/2009 2:58:49 PM |
| seabowl | $25.00 | $25.00 | 12/2/2009 3:41:18 PM |
| People-for-people | $50.00 | $50.00 | 12/2/2009 4:39:54 PM |
| LarWit1512 | $25.00 | $25.00 | 12/2/2009 4:52:09 PM |
| wowlender | $25.00 | $25.00 | 12/2/2009 4:52:10 PM |
| Snoopylover | $25.00 | $25.00 | 12/3/2009 6:04:41 AM |
| top-asset-wizard | $25.00 | $25.00 | 12/3/2009 2:19:39 PM |
| unger | $60.00 | $60.00 | 12/3/2009 3:50:21 PM |
| Toby1montana | $49.91 | $49.91 | 12/3/2009 4:32:12 PM |
| fatson43 | $30.00 | $30.00 | 12/3/2009 5:49:15 PM |
| JustMee | $25.00 | $25.00 | 12/3/2009 9:10:43 PM |
| Thunder08 | $25.00 | $25.00 | 12/4/2009 12:14:45 PM |
| bid-papyrus | $25.00 | $25.00 | 12/4/2009 1:39:59 PM |
| vine99 | $50.00 | $50.00 | 12/4/2009 4:23:20 PM |
| cold1 | $25.00 | $25.00 | 12/4/2009 10:10:56 PM |
| farmn | $25.00 | $25.00 | 12/5/2009 8:42:36 AM |
| SolarMoonshine | $25.00 | $25.00 | 12/5/2009 8:19:37 AM |
| leverage-monger | $25.00 | $25.00 | 12/5/2009 9:06:42 AM |
| affluence-tomahawk | $50.00 | $50.00 | 12/5/2009 10:00:21 AM |
| gumbit | $35.12 | $35.12 | 12/5/2009 10:17:07 AM |
| Gaelicman | $75.00 | $75.00 | 12/5/2009 3:43:50 PM |
| historic-nickel | $50.00 | $50.00 | 12/5/2009 4:53:17 PM |
| BankOfThomas | $35.38 | $35.38 | 12/5/2009 8:52:04 PM |
| CatbirdBanking | $25.00 | $25.00 | 12/5/2009 7:21:35 PM |
| pbnjelly | $25.00 | $25.00 | 12/6/2009 11:17:20 AM |
| TheGameTable | $25.00 | $25.00 | 12/6/2009 5:34:35 PM |
| BuckeyeGuy | $25.00 | $25.00 | 12/6/2009 8:30:56 PM |
| jybank | $25.00 | $25.00 | 12/6/2009 8:44:28 PM |
| isuperwang | $50.00 | $50.00 | 12/7/2009 3:07:29 AM |
| sensible-fund | $25.00 | $25.00 | 12/7/2009 2:10:36 AM |
| icon7 | $25.00 | $25.00 | 12/7/2009 6:50:36 AM |
| Skeptical-one | $25.00 | $25.00 | 12/7/2009 8:01:30 AM |
| exciting-fairness | $200.00 | $200.00 | 12/7/2009 8:24:45 AM |
| PotBellyPete | $60.00 | $60.00 | 12/7/2009 8:41:24 AM |
| AF-Chief | $25.00 | $25.00 | 12/7/2009 8:34:16 AM |
| 129 bids
|
Borrower Payment Dependent Notes Series
435458
This series of Notes was issued and sold upon the funding of the borrower loan #39880, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-01-2009 |
| |
Auction end date:
| Dec-02-2009 |
|
|
Starting lender yield:
| 9.94% |
Starting borrower rate/APR:
| 10.94% / 13.06% |
Starting monthly payment:
| $163.55 |
|
Final lender yield:
| 9.40% |
Final borrower rate/APR:
| 10.40% / 12.51% |
Final monthly payment:
| $162.28 |
| |
|
Auction yield range:
| 4.20% - 9.94% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.27% | | |
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-2002 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 720-739 (Nov-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 13 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,416 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 55% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| proper-balance |
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
Payoff off credit cards
Purpose of loan:
Pay off my credit card, and purchase an engagement ring.
My financial situation:
I am a good candidate for this loan because I pay my bills on time, set up automatic payments from my bank account and have a full-time job working for a solid company.
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 your take home pay and list of all monthly expenses. Thanks. - exciting-fairness
A:
Thank you for responding to my listing. I apologize for not getting back to you sooner as it was a long work day for me today. My monthly net income is $2,662.87, to the penny as I have just received my paycheck today. My monthly total monthly expenses is $1,040. (student loan $99; cable $60; car payment $374; cell phone $89; phone $50; auto insurance $198; credit card $140; gym membership $30). I also make an additional $200 payment on my auto loan. The rest goes to food, play, and savings.
(Dec-02-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| antlr | $25.00 | $25.00 | 12/1/2009 3:58:20 PM |
| slobberjob | $25.00 | $25.00 | 12/1/2009 3:58:34 PM |
| jd006006 | $50.00 | $50.00 | 12/1/2009 3:58:53 PM |
| keke2000 | $25.00 | $25.00 | 12/1/2009 3:58:59 PM |
| Maccs55 | $25.00 | $25.00 | 12/1/2009 3:59:08 PM |
| Keebs | $25.00 | $25.00 | 12/1/2009 3:59:19 PM |
| chief_wo | $25.00 | $25.00 | 12/1/2009 4:00:31 PM |
| don8ter | $54.41 | $54.41 | 12/1/2009 4:00:36 PM |
| BrighterSuns | $25.00 | $25.00 | 12/1/2009 4:00:55 PM |
| neighborly-hope6 | $100.00 | $100.00 | 12/1/2009 3:58:06 PM |
| Goodlender42 | $25.00 | $25.00 | 12/1/2009 3:58:16 PM |
| compoundinterest | $50.00 | $50.00 | 12/1/2009 3:58:25 PM |
| hard-working-loot | $25.00 | $25.00 | 12/1/2009 3:58:37 PM |
| five-star-responsibility0 | $25.00 | $25.00 | 12/1/2009 3:59:16 PM |
| Pasagam | $25.00 | $25.00 | 12/1/2009 3:59:30 PM |
| DandBFamily | $25.00 | $25.00 | 12/1/2009 3:59:43 PM |
| DadWarbucks | $25.00 | $25.00 | 12/1/2009 4:01:04 PM |
| langdonx | $25.00 | $25.00 | 12/1/2009 4:01:19 PM |
| BlindProphet | $25.00 | $25.00 | 12/1/2009 3:58:09 PM |
| trident9 | $50.00 | $50.00 | 12/1/2009 3:58:18 PM |
| ultimate-social | $25.00 | $25.00 | 12/1/2009 3:58:51 PM |
| bigballer105 | $25.00 | $25.00 | 12/1/2009 3:59:07 PM |
| red-favorable-basis | $25.00 | $25.00 | 12/1/2009 3:59:13 PM |
| Casman8815 | $25.00 | $25.00 | 12/1/2009 4:00:13 PM |
| TK4 | $25.00 | $25.00 | 12/1/2009 4:00:40 PM |
| galaxy1 | $25.00 | $25.00 | 12/1/2009 4:00:59 PM |
| mathprof | $25.00 | $25.00 | 12/1/2009 4:01:01 PM |
| Kerrysbay | $25.00 | $25.00 | 12/1/2009 4:16:30 PM |
| Steveoo1 | $25.00 | $25.00 | 12/1/2009 4:17:42 PM |
| ljay | $25.00 | $25.00 | 12/1/2009 4:17:52 PM |
| responsibility-butterfly | $25.00 | $25.00 | 12/1/2009 4:19:46 PM |
| cash-boots | $30.00 | $30.00 | 12/1/2009 4:25:49 PM |
| Banker7371 | $25.00 | $25.00 | 12/1/2009 4:28:48 PM |
| the_winning_ticket | $35.00 | $35.00 | 12/1/2009 4:28:59 PM |
| sharkm | $25.00 | $25.00 | 12/1/2009 4:29:01 PM |
| E_G | $50.00 | $50.00 | 12/1/2009 4:29:03 PM |
| desertoasis | $25.00 | $25.00 | 12/1/2009 4:31:01 PM |
| credit-investor5 | $100.00 | $100.00 | 12/1/2009 4:28:36 PM |
| payout-point | $100.00 | $100.00 | 12/1/2009 4:31:14 PM |
| MoneyU4IA | $40.00 | $40.00 | 12/1/2009 4:28:47 PM |
| forthright-social | $25.00 | $25.00 | 12/1/2009 4:31:23 PM |
| Attract | $25.00 | $25.00 | 12/1/2009 4:29:08 PM |
| lloyd_s | $25.00 | $25.00 | 12/1/2009 4:28:54 PM |
| Walkingcowboy | $25.00 | $25.00 | 12/1/2009 4:29:23 PM |
| Kame | $25.00 | $25.00 | 12/1/2009 4:32:15 PM |
| bchen78875 | $50.00 | $50.00 | 12/1/2009 4:29:15 PM |
| mikeandcat | $50.00 | $50.00 | 12/1/2009 4:29:40 PM |
| MarinLoans | $50.00 | $50.00 | 12/1/2009 4:32:20 PM |
| kulender | $25.00 | $25.00 | 12/1/2009 4:29:43 PM |
| SCOTTOL | $25.00 | $25.00 | 12/1/2009 4:32:23 PM |
| evnagelist | $100.00 | $100.00 | 12/1/2009 4:29:30 PM |
| invincible-marketplace | $25.00 | $25.00 | 12/1/2009 4:32:27 PM |
| orange-courageous-dedication | $40.00 | $40.00 | 12/1/2009 4:29:48 PM |
| the-money-gargantuan | $25.00 | $25.00 | 12/1/2009 4:29:53 PM |
| teller | $60.00 | $60.00 | 12/1/2009 4:29:58 PM |
| portfolio-zone801 | $25.00 | $25.00 | 12/1/2009 4:30:03 PM |
| mlkhamilton | $25.00 | $25.00 | 12/1/2009 4:30:11 PM |
| NR | $25.00 | $25.00 | 12/1/2009 4:30:17 PM |
| natmonkey | $25.00 | $25.00 | 12/1/2009 4:30:28 PM |
| Kaj | $30.00 | $30.00 | 12/1/2009 4:30:48 PM |
| salala | $25.00 | $25.00 | 12/1/2009 4:30:42 PM |
| Bank42 | $50.00 | $50.00 | 12/1/2009 4:31:04 PM |
| rjleves | $25.00 | $25.00 | 12/1/2009 4:30:53 PM |
| ProfPC | $25.00 | $19.59 | 12/1/2009 4:34:28 PM |
| mtp | $50.00 | $50.00 | 12/1/2009 4:31:16 PM |
| dedicated-diversification5 | $50.00 | $50.00 | 12/1/2009 4:31:43 PM |
| harnobuff | $25.00 | $25.00 | 12/1/2009 4:31:35 PM |
| GOPHERBOY | $65.00 | $65.00 | 12/1/2009 4:31:46 PM |
| Hexnut | $50.00 | $50.00 | 12/1/2009 4:32:00 PM |
| CorMDNY | $25.00 | $25.00 | 12/1/2009 4:32:14 PM |
| money-prophesy | $150.00 | $150.00 | 12/1/2009 4:34:25 PM |
| patriot384 | $100.00 | $100.00 | 12/1/2009 6:02:50 PM |
| RandyL3 | $25.00 | $25.00 | 12/2/2009 5:02:11 PM |
| greenwell | $50.00 | $50.00 | 12/1/2009 3:58:27 PM |
| best-decisive-peace | $25.00 | $25.00 | 12/1/2009 3:58:49 PM |
| cozy-note | $100.00 | $100.00 | 12/1/2009 3:58:57 PM |
| SDNLR | $25.00 | $25.00 | 12/1/2009 3:59:00 PM |
| Picopie | $50.00 | $50.00 | 12/1/2009 3:59:24 PM |
| freesia54 | $25.00 | $25.00 | 12/1/2009 3:59:38 PM |
| five-star-note | $25.00 | $25.00 | 12/1/2009 4:00:57 PM |
| kmwvma | $25.00 | $25.00 | 12/1/2009 4:01:14 PM |
| affluence-tycoon | $25.00 | $25.00 | 12/1/2009 4:01:22 PM |
| deal-kung-fu | $25.00 | $25.00 | 12/1/2009 3:58:14 PM |
| djs81 | $25.00 | $25.00 | 12/1/2009 3:58:21 PM |
| bonus-patriot | $25.00 | $25.00 | 12/1/2009 3:58:30 PM |
| availableloan | $25.00 | $25.00 | 12/1/2009 3:58:39 PM |
| AWTT | $25.00 | $25.00 | 12/1/2009 3:59:21 PM |
| CPAMAN | $25.00 | $25.00 | 12/1/2009 3:59:34 PM |
| goofy15975 | $25.00 | $25.00 | 12/1/2009 4:00:46 PM |
| b-rent | $25.00 | $25.00 | 12/1/2009 4:01:26 PM |
| honorable-yield | $75.00 | $75.00 | 12/1/2009 3:58:12 PM |
| lucrative-durability | $75.00 | $75.00 | 12/1/2009 3:58:47 PM |
| Zarf | $50.00 | $50.00 | 12/1/2009 3:59:04 PM |
| repayment-chef | $25.00 | $25.00 | 12/1/2009 3:59:18 PM |
| Velocity_Lenders | $50.00 | $50.00 | 12/1/2009 3:59:48 PM |
| DonaldColorado | $25.00 | $25.00 | 12/1/2009 4:10:42 PM |
| i3urtonair | $25.00 | $25.00 | 12/1/2009 4:00:28 PM |
| Dap2005 | $25.00 | $25.00 | 12/1/2009 4:00:38 PM |
| first-restless-payout | $50.00 | $50.00 | 12/1/2009 4:00:44 PM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 12/1/2009 4:01:00 PM |
| orbiter614 | $25.00 | $25.00 | 12/1/2009 4:01:12 PM |
| lucrative-worth | $25.00 | $25.00 | 12/1/2009 4:26:08 PM |
| burgeoning-silver | $25.00 | $25.00 | 12/1/2009 4:29:05 PM |
| Weaverville | $25.00 | $25.00 | 12/1/2009 4:29:12 PM |
| magical-greenback | $55.00 | $55.00 | 12/1/2009 4:29:39 PM |
| fireboss | $25.00 | $25.00 | 12/1/2009 4:30:24 PM |
| nostromo | $25.00 | $25.00 | 12/1/2009 4:30:36 PM |
| toblerone | $25.00 | $25.00 | 12/1/2009 4:30:51 PM |
| elevated-platinum5 | $25.00 | $25.00 | 12/1/2009 4:28:33 PM |
| museic1 | $25.00 | $25.00 | 12/1/2009 4:28:34 PM |
| sidney102 | $25.00 | $25.00 | 12/1/2009 4:28:44 PM |
| leodaguy | $25.00 | $25.00 | 12/1/2009 4:28:56 PM |
| rmachi | $25.00 | $25.00 | 12/1/2009 4:29:25 PM |
| coondog | $25.00 | $25.00 | 12/1/2009 4:32:06 PM |
| wormdc | $26.00 | $26.00 | 12/1/2009 4:32:11 PM |
| personal-lender | $25.00 | $25.00 | 12/1/2009 4:29:09 PM |
| AF-Chief | $35.00 | $35.00 | 12/1/2009 4:29:36 PM |
| gracej | $25.00 | $25.00 | 12/1/2009 4:29:19 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 12/1/2009 4:29:44 PM |
| PCGeekWI | $25.00 | $25.00 | 12/1/2009 4:32:24 PM |
| thestartuplender | $35.00 | $35.00 | 12/1/2009 4:29:55 PM |
| Artist_Blue | $25.00 | $25.00 | 12/1/2009 4:29:49 PM |
| ryreesado | $25.00 | $25.00 | 12/1/2009 4:30:00 PM |
| SilverRain | $25.00 | $25.00 | 12/1/2009 4:30:26 PM |
| roccofox | $50.00 | $50.00 | 12/1/2009 4:30:38 PM |
| foxy-vigilance | $25.00 | $25.00 | 12/1/2009 4:30:41 PM |
| skuba | $50.00 | $50.00 | 12/1/2009 4:30:45 PM |
| Jassi | $25.00 | $25.00 | 12/1/2009 4:31:06 PM |
| best-deal-banker | $50.00 | $50.00 | 12/1/2009 4:30:57 PM |
| Supernick | $50.00 | $50.00 | 12/1/2009 4:31:53 PM |
| Tom579 | $25.00 | $25.00 | 12/1/2009 4:31:26 PM |
| TheBiggTree | $25.00 | $25.00 | 12/1/2009 4:31:56 PM |
| gold-commander0 | $50.00 | $50.00 | 12/1/2009 4:31:59 PM |
| trade-pumpkin | $25.00 | $25.00 | 12/1/2009 4:32:09 PM |
| Klearwater_Pools | $25.00 | $25.00 | 12/1/2009 4:34:06 PM |
| spreadgoodwill | $25.00 | $25.00 | 12/1/2009 4:33:52 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/1/2009 5:37:04 PM |
| BR-549 | $25.00 | $25.00 | 12/2/2009 4:35:30 AM |
| outofoffice | $50.00 | $50.00 | 12/2/2009 3:49:36 PM |
| bondhedger | $25.00 | $25.00 | 12/2/2009 4:52:00 PM |
| Cherrypicker | $50.00 | $50.00 | 12/2/2009 6:19:57 PM |
| 141 bids
|
Borrower Payment Dependent Notes Series
435492
This series of Notes was issued and sold upon the funding of the borrower loan #39897, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,562.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-03-2009 |
|
|
Starting lender yield:
| 9.94% |
Starting borrower rate/APR:
| 10.94% / 13.06% |
Starting monthly payment:
| $116.51 |
|
Final lender yield:
| 9.40% |
Final borrower rate/APR:
| 10.40% / 12.51% |
Final monthly payment:
| $115.61 |
| |
|
Auction yield range:
| 4.20% - 9.94% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.27% | | |
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:
| Jan-1992 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 740-759 (Nov-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,373 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 45% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Caina |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $6,283.00 | < mo. late:
| 0
( 0% )
| 720-739
(Aug-2008)
|
|
Principal balance:
| $3,815.73 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
pay off last credit card debt
Hello-
I have a little high interest credit card debt remaining; and would like to drop the cost of that debt; and close those cards before the end of the year.? (Without being sucked back in by a gas rebate this time).? Prosper worked so well as a way to partly refinance my car, that I thought I'd come back here to take care of the credit cards as well.? The estimated paymemt of this loan is less than I currently pay to these cards, so I expect a benefit in reduced monthly expenses as well.
Thanks very much 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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| responsibility-butterfly | $25.00 | $25.00 | 11/30/2009 9:41:41 AM |
| Kerrysbay | $25.00 | $25.00 | 11/30/2009 9:50:20 AM |
| Steveoo1 | $50.00 | $50.00 | 11/30/2009 10:18:59 AM |
| Divot | $25.00 | $25.00 | 11/30/2009 10:19:16 AM |
| baroo | $25.00 | $25.00 | 11/30/2009 10:19:29 AM |
| ljay | $25.00 | $25.00 | 11/30/2009 10:23:38 AM |
| lucrative-worth | $25.00 | $25.00 | 11/30/2009 10:41:28 AM |
| gracej | $25.00 | $25.00 | 11/30/2009 10:51:24 AM |
| Walkingcowboy | $25.00 | $25.00 | 11/30/2009 10:51:48 AM |
| GElender | $50.00 | $50.00 | 11/30/2009 10:52:26 AM |
| magical-greenback | $55.00 | $55.00 | 11/30/2009 10:53:41 AM |
| mikeandcat | $50.00 | $50.00 | 11/30/2009 10:53:45 AM |
| SNH | $50.00 | $50.00 | 11/30/2009 10:55:25 AM |
| MoneyU4IA | $40.00 | $40.00 | 11/30/2009 10:48:17 AM |
| leodaguy | $25.00 | $25.00 | 11/30/2009 10:49:18 AM |
| thestartuplender | $35.00 | $35.00 | 11/30/2009 10:56:13 AM |
| the_winning_ticket | $35.00 | $35.00 | 11/30/2009 10:49:32 AM |
| sharkm | $25.00 | $25.00 | 11/30/2009 10:49:44 AM |
| Attract | $25.00 | $25.00 | 11/30/2009 10:50:24 AM |
| personal-lender | $25.00 | $25.00 | 11/30/2009 10:50:36 AM |
| djs81 | $25.00 | $25.00 | 11/30/2009 10:57:39 AM |
| a-responsible-return | $25.00 | $25.00 | 11/30/2009 10:50:29 AM |
| Weaverville | $25.00 | $25.00 | 11/30/2009 10:50:53 AM |
| mlkhamilton | $25.00 | $25.00 | 11/30/2009 10:58:17 AM |
| AF-Chief | $35.00 | $35.00 | 11/30/2009 10:53:28 AM |
| DonaldColorado | $25.00 | $25.00 | 11/30/2009 10:56:20 AM |
| the-money-gargantuan | $25.00 | $25.00 | 11/30/2009 10:56:04 AM |
| portfolio-zone801 | $25.00 | $25.00 | 11/30/2009 10:58:05 AM |
| teller | $60.00 | $60.00 | 11/30/2009 10:57:05 AM |
| ryreesado | $25.00 | $25.00 | 11/30/2009 10:57:31 AM |
| NR | $25.00 | $25.00 | 11/30/2009 10:58:44 AM |
| affluence-tycoon | $25.00 | $25.00 | 11/30/2009 10:57:54 AM |
| natmonkey | $25.00 | $25.00 | 11/30/2009 10:59:29 AM |
| AndersenWatcher | $25.00 | $25.00 | 11/30/2009 11:00:54 AM |
| Kaj | $30.00 | $17.72 | 11/30/2009 11:02:14 AM |
| hellasow | $25.00 | $25.00 | 11/30/2009 11:09:22 AM |
| availableloan | $25.00 | $25.00 | 11/30/2009 11:39:22 AM |
| grf1945 | $25.00 | $25.00 | 11/30/2009 11:47:42 AM |
| patriot384 | $100.00 | $100.00 | 11/30/2009 2:14:27 PM |
| innovator799 | $25.00 | $25.00 | 11/30/2009 4:03:33 PM |
| outofoffice | $75.00 | $75.00 | 11/30/2009 4:19:57 PM |
| zoink | $50.00 | $50.00 | 12/1/2009 5:52:46 AM |
| orbiter614 | $75.00 | $75.00 | 12/1/2009 12:14:40 PM |
| vine99 | $85.00 | $85.00 | 12/1/2009 8:01:40 PM |
| dmk2006 | $25.00 | $25.00 | 12/1/2009 8:47:22 PM |
| WillingToHelpOut | $25.00 | $25.00 | 12/2/2009 1:12:17 AM |
| bondhedger | $25.00 | $25.00 | 12/2/2009 12:28:41 PM |
| booie | $25.00 | $25.00 | 12/2/2009 11:49:27 AM |
| surferracerskaterboy | $50.00 | $50.00 | 12/2/2009 3:36:33 PM |
| RIVERBEND | $40.00 | $40.00 | 12/2/2009 4:18:58 PM |
| fantasysports | $25.00 | $25.00 | 12/2/2009 4:28:58 PM |
| RandyL3 | $25.00 | $25.00 | 12/2/2009 4:52:13 PM |
| Cherrypicker | $50.00 | $50.00 | 12/2/2009 6:17:45 PM |
| TakeCare | $50.00 | $50.00 | 12/2/2009 9:32:28 PM |
| CheapDolo22 | $25.00 | $25.00 | 12/2/2009 9:37:06 PM |
| Zorg | $100.00 | $100.00 | 12/2/2009 7:15:31 PM |
| generous-deal6 | $52.50 | $52.50 | 12/2/2009 11:48:06 PM |
| turbospeed | $25.00 | $25.00 | 11/30/2009 10:42:21 AM |
| lloyd_s | $25.00 | $25.00 | 11/30/2009 10:48:50 AM |
| rmachi | $25.00 | $25.00 | 11/30/2009 10:52:05 AM |
| elevated-platinum5 | $25.00 | $25.00 | 11/30/2009 10:46:43 AM |
| credit-investor5 | $100.00 | $100.00 | 11/30/2009 10:46:59 AM |
| museic1 | $25.00 | $25.00 | 11/30/2009 10:46:47 AM |
| gethsemane4 | $25.00 | $25.00 | 11/30/2009 10:54:40 AM |
| sidney102 | $25.00 | $25.00 | 11/30/2009 10:47:37 AM |
| Banker7371 | $25.00 | $25.00 | 11/30/2009 10:48:24 AM |
| lendacity | $25.00 | $25.00 | 11/30/2009 10:55:54 AM |
| burgeoning-silver | $25.00 | $25.00 | 11/30/2009 10:50:13 AM |
| E_G | $50.00 | $50.00 | 11/30/2009 10:50:00 AM |
| bchen78875 | $50.00 | $50.00 | 11/30/2009 10:51:09 AM |
| evnagelist | $50.00 | $50.00 | 11/30/2009 10:53:01 AM |
| kulender | $25.00 | $25.00 | 11/30/2009 10:54:09 AM |
| BankOfFrankFairness | $50.00 | $50.00 | 11/30/2009 10:54:26 AM |
| foxy-vigilance | $25.00 | $25.00 | 11/30/2009 11:00:47 AM |
| orange-courageous-dedication | $40.00 | $40.00 | 11/30/2009 10:54:50 AM |
| salala | $25.00 | $25.00 | 11/30/2009 11:01:12 AM |
| cash-boots | $25.00 | $25.00 | 11/30/2009 11:01:50 AM |
| Artist_Blue | $25.00 | $25.00 | 11/30/2009 10:55:11 AM |
| fireboss | $25.00 | $25.00 | 11/30/2009 10:58:57 AM |
| roccofox | $50.00 | $50.00 | 11/30/2009 11:00:30 AM |
| skuba | $50.00 | $50.00 | 11/30/2009 11:01:29 AM |
| zento | $25.00 | $25.00 | 11/30/2009 11:03:52 AM |
| wwwUniversal | $25.00 | $25.00 | 11/30/2009 11:17:33 AM |
| market-jam | $100.00 | $100.00 | 11/30/2009 11:32:16 AM |
| Syzygy | $25.00 | $25.00 | 11/30/2009 11:37:31 AM |
| the-profit-oracle | $25.00 | $25.00 | 11/30/2009 12:22:45 PM |
| springpanda | $25.00 | $25.00 | 11/30/2009 3:11:06 PM |
| Finspons | $30.00 | $30.00 | 11/30/2009 10:17:25 PM |
| dreamhope | $25.00 | $25.00 | 12/1/2009 7:15:18 AM |
| impartial-deal | $50.00 | $50.00 | 12/1/2009 8:07:45 PM |
| turbospeed | $25.00 | $25.00 | 12/2/2009 12:11:59 AM |
| julijask | $25.00 | $25.00 | 12/2/2009 9:31:32 AM |
| UCSBGAUCHOS | $27.50 | $27.50 | 12/2/2009 10:10:54 AM |
| Moby | $29.28 | $29.28 | 12/2/2009 2:28:49 PM |
| kf88 | $30.00 | $30.00 | 12/2/2009 3:17:12 PM |
| dudebrah | $25.00 | $25.00 | 12/2/2009 3:12:58 PM |
| libraryfrenzy | $25.00 | $25.00 | 12/2/2009 4:39:51 PM |
| SolarMoonshine | $100.00 | $100.00 | 12/2/2009 6:31:36 PM |
| Socorro_Capital_Partners | $25.00 | $25.00 | 12/2/2009 8:08:59 PM |
| 99 bids
|
Borrower Payment Dependent Notes Series
435526
This series of Notes was issued and sold upon the funding of the borrower loan #39830, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-05-2009 |
|
|
Starting lender yield:
| 10.04% |
Starting borrower rate/APR:
| 11.04% / 11.39% |
Starting monthly payment:
| $262.06 |
|
Final lender yield:
| 9.50% |
Final borrower rate/APR:
| 10.50% / 10.85% |
Final monthly payment:
| $260.02 |
| |
|
Auction yield range:
| 3.20% - 10.04% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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:
| 8 |
First credit line:
| May-2002 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 820-839 (Nov-2009) |
Current / open credit lines:
| 13
/
13 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,674 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 4% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| ore-lion |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Clearvision Media Expansion
I have been doing media for the last eight years for an emerging church in the northwest. I?ve been doing everything from photography, graphic design, audio mixing, printing, and specializing in video production. Over the last two years I have been approached by many friends and connections to do weddings, business promotion, business cards, banners, and media consulting. This led to the formation of Clearvision Media LLC, a business run by my wife and I that offers diverse media services to customers and specializes in video production and advertising. The primary purpose of the business loan is to narrow the gap between our vision, our ideas and our equipment. One of the ventures we intend to go into is ?Stock HD Video,? becoming a contributor to companies such as istockphoto.com. Paying for the loan will not be a problem. My wife and I live within our means and Clearvision will for now be on the side. Also the business is currently out of our home so there is very little overhead, and our projects are almost entirely profit. 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
Q:
Just a quick question; do you have a website that describes your business? - HenryK7
A:
Currently we do not have a website but we are working on one. We are very busy as is with word of mouth and other contacts, but advertising for growth in in the works.
(Nov-30-2009)
Q:
Can you give us a breakdown of your monthly household (spouse included) income and expenses? I see that you are only employed part time, what is your occupation? Thanks much and best of luck. My bid is in! - BAEVentures
A:
I actually work part time at Turning Point Church: World Outreach Center http://turningpointchurch.com.. I work 20 hours there, and then I teach at Pacific Northwest Bible College http://pacificnwbc.com also. I also wait tables at Red Robin, whenever I want for extra money. My wife also works full time and we have no kids. Clearvision was birthed out of 8-years of media experience and many jobs that came up before the company was even formed. So paying the loan of will be no problem.
(Dec-01-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| responsibility-butterfly | $25.00 | $25.00 | 11/30/2009 9:41:40 AM |
| Kerrysbay | $25.00 | $25.00 | 11/30/2009 9:50:18 AM |
| saahilld | $25.00 | $25.00 | 11/30/2009 10:04:05 AM |
| ljay | $25.00 | $25.00 | 11/30/2009 10:23:37 AM |
| blot44 | $59.00 | $59.00 | 11/30/2009 10:35:24 AM |
| bowdish1 | $50.00 | $50.00 | 11/30/2009 10:28:49 AM |
| inforapenny | $25.00 | $25.00 | 11/30/2009 10:46:16 AM |
| elevated-platinum5 | $25.00 | $25.00 | 11/30/2009 10:46:42 AM |
| museic1 | $25.00 | $25.00 | 11/30/2009 10:46:48 AM |
| Gunny89 | $25.00 | $25.00 | 11/30/2009 10:47:20 AM |
| lucrative-worth | $25.00 | $25.00 | 11/30/2009 10:41:27 AM |
| personal-lender | $25.00 | $25.00 | 11/30/2009 10:50:37 AM |
| gracej | $25.00 | $25.00 | 11/30/2009 10:51:24 AM |
| Walkingcowboy | $25.00 | $25.00 | 11/30/2009 10:51:46 AM |
| wiselady | $25.00 | $25.00 | 11/30/2009 10:46:04 AM |
| mikeandcat | $50.00 | $50.00 | 11/30/2009 10:53:46 AM |
| Artist_Blue | $25.00 | $25.00 | 11/30/2009 10:55:12 AM |
| MoneyU4IA | $40.00 | $40.00 | 11/30/2009 10:48:16 AM |
| SNH | $50.00 | $50.00 | 11/30/2009 10:55:25 AM |
| Banker7371 | $25.00 | $25.00 | 11/30/2009 10:48:26 AM |
| lloyd_s | $25.00 | $25.00 | 11/30/2009 10:48:48 AM |
| leodaguy | $25.00 | $25.00 | 11/30/2009 10:49:15 AM |
| DonaldColorado | $25.00 | $25.00 | 11/30/2009 10:56:22 AM |
| Attract | $25.00 | $25.00 | 11/30/2009 10:50:23 AM |
| Weaverville | $25.00 | $25.00 | 11/30/2009 10:50:54 AM |
| bchen78875 | $50.00 | $50.00 | 11/30/2009 10:51:10 AM |
| ryreesado | $25.00 | $25.00 | 11/30/2009 10:57:29 AM |
| GElender | $50.00 | $50.00 | 11/30/2009 10:52:27 AM |
| evnagelist | $50.00 | $50.00 | 11/30/2009 10:52:56 AM |
| justice-dna | $35.00 | $35.00 | 11/30/2009 10:52:01 AM |
| fireboss | $25.00 | $25.00 | 11/30/2009 10:58:56 AM |
| Klearwater_Pools | $25.00 | $25.00 | 11/30/2009 10:54:24 AM |
| gethsemane4 | $25.00 | $25.00 | 11/30/2009 10:54:41 AM |
| the-money-gargantuan | $25.00 | $25.00 | 11/30/2009 10:56:02 AM |
| thestartuplender | $35.00 | $35.00 | 11/30/2009 10:56:13 AM |
| lendacity | $25.00 | $25.00 | 11/30/2009 10:55:52 AM |
| portfolio-zone801 | $25.00 | $25.00 | 11/30/2009 10:58:04 AM |
| wonderful-rupee | $25.00 | $25.00 | 11/30/2009 11:03:10 AM |
| teller | $60.00 | $60.00 | 11/30/2009 10:57:04 AM |
| NR | $25.00 | $25.00 | 11/30/2009 10:58:43 AM |
| affluence-tycoon | $25.00 | $25.00 | 11/30/2009 10:57:56 AM |
| SilverRain | $25.00 | $25.00 | 11/30/2009 10:59:05 AM |
| Tom579 | $25.00 | $25.00 | 11/30/2009 11:08:44 AM |
| Kaj | $30.00 | $30.00 | 11/30/2009 11:02:14 AM |
| DukSerduk | $25.00 | $25.00 | 11/30/2009 11:04:27 AM |
| honorable-yield | $75.00 | $75.00 | 11/30/2009 11:04:56 AM |
| forthright-social | $25.00 | $25.00 | 11/30/2009 11:08:24 AM |
| crenen139 | $100.00 | $100.00 | 11/30/2009 11:13:25 AM |
| dedicated-diversification5 | $200.00 | $200.00 | 11/30/2009 11:13:49 AM |
| spsavage | $25.00 | $25.00 | 11/30/2009 11:13:00 AM |
| BlindProphet | $25.00 | $25.00 | 11/30/2009 11:14:11 AM |
| hellasow | $30.00 | $30.00 | 11/30/2009 11:20:32 AM |
| minista | $25.00 | $25.00 | 11/30/2009 12:52:27 PM |
| CommerciaLender | $25.00 | $25.00 | 11/30/2009 1:53:21 PM |
| SpectrumCapital | $25.00 | $25.00 | 11/30/2009 2:11:59 PM |
| SpectrumFinance | $25.00 | $25.00 | 11/30/2009 3:31:57 PM |
| compassion-spy | $100.00 | $100.00 | 11/30/2009 4:15:49 PM |
| outofoffice | $50.00 | $50.00 | 11/30/2009 4:22:21 PM |
| Syzygy | $25.00 | $25.00 | 11/30/2009 4:11:11 PM |
| Havnfun | $25.00 | $25.00 | 11/30/2009 7:28:19 PM |
| cosmof16 | $25.00 | $25.00 | 12/1/2009 5:24:58 AM |
| longisland47m | $25.00 | $25.00 | 12/1/2009 11:03:49 AM |
| orbiter614 | $75.00 | $75.00 | 12/1/2009 12:14:39 PM |
| ajk_blue | $25.00 | $25.00 | 12/1/2009 12:48:31 PM |
| vine99 | $100.00 | $100.00 | 12/1/2009 6:38:12 PM |
| adventure0 | $300.00 | $300.00 | 12/1/2009 7:29:49 PM |
| HenryK7 | $25.00 | $25.00 | 12/1/2009 10:16:10 PM |
| famous-community8 | $25.00 | $25.00 | 12/2/2009 10:30:43 AM |
| deepclear | $100.00 | $100.00 | 12/2/2009 10:33:05 AM |
| SS123 | $25.00 | $25.00 | 12/2/2009 8:28:03 AM |
| Anamorph | $25.00 | $25.00 | 12/2/2009 1:16:06 PM |
| jmvingeorgia | $25.00 | $25.00 | 12/2/2009 2:19:20 PM |
| Digs | $25.00 | $25.00 | 12/2/2009 2:28:46 PM |
| ChristopherHS | $25.00 | $25.00 | 12/2/2009 2:43:13 PM |
| fantasysports | $25.00 | $25.00 | 12/2/2009 4:33:31 PM |
| RandyL3 | $25.00 | $25.00 | 12/2/2009 4:53:55 PM |
| SCD | $25.00 | $25.00 | 12/2/2009 6:47:59 PM |
| bkb7484 | $25.00 | $25.00 | 12/2/2009 8:50:42 PM |
| grasscutter | $50.00 | $50.00 | 12/3/2009 6:56:55 AM |
| orbital-gain | $50.00 | $50.00 | 12/3/2009 8:36:46 AM |
| hydrolucid | $25.00 | $25.00 | 12/3/2009 9:39:01 AM |
| Grisimal | $200.00 | $200.00 | 12/3/2009 10:16:34 AM |
| hotwired | $25.00 | $25.00 | 12/3/2009 1:21:11 PM |
| rmpedi33 | $100.00 | $100.00 | 12/3/2009 10:46:50 AM |
| djalan | $42.45 | $42.45 | 12/3/2009 12:12:27 PM |
| Okeey | $25.00 | $25.00 | 12/3/2009 2:06:39 PM |
| buckyhead2000 | $25.00 | $25.00 | 12/3/2009 2:06:43 PM |
| notlicehead | $29.90 | $29.90 | 12/3/2009 6:17:56 PM |
| Lender0307 | $25.00 | $25.00 | 12/3/2009 7:45:00 PM |
| floridahelper | $25.00 | $25.00 | 12/3/2009 6:52:41 PM |
| BicyclePostLendingDivision | $48.81 | $48.81 | 12/3/2009 7:49:36 PM |
| helping-out | $40.00 | $40.00 | 12/3/2009 9:00:12 PM |
| nhm | $50.00 | $50.00 | 12/3/2009 9:42:33 PM |
| gogmagog | $50.01 | $50.01 | 12/3/2009 10:42:18 PM |
| poster177 | $56.10 | $56.10 | 12/3/2009 10:24:51 PM |
| GotRox | $50.00 | $50.00 | 12/4/2009 7:22:35 AM |
| Richmp412 | $25.00 | $25.00 | 12/4/2009 8:22:21 AM |
| cu2maro | $50.00 | $50.00 | 12/4/2009 7:52:22 AM |
| divrekku | $25.00 | $25.00 | 12/4/2009 10:42:45 AM |
| benevolent-capital1 | $50.00 | $50.00 | 12/4/2009 11:47:28 AM |
| shamrocker | $25.00 | $25.00 | 12/4/2009 12:25:00 PM |
| surfsider123 | $25.00 | $25.00 | 12/4/2009 1:08:41 PM |
| kf88 | $25.00 | $25.00 | 12/4/2009 1:09:07 PM |
| leftcoast52 | $25.00 | $25.00 | 12/4/2009 1:09:40 PM |
| power-cell | $40.00 | $40.00 | 12/4/2009 1:24:10 PM |
| UBOtto186 | $25.00 | $25.00 | 12/4/2009 2:21:56 PM |
| Feyenoord | $25.00 | $25.00 | 12/4/2009 4:51:47 PM |
| JDLanier | $25.00 | $25.00 | 12/4/2009 8:05:21 PM |
| LesPaul1 | $25.00 | $25.00 | 12/4/2009 8:11:53 PM |
| Gnomes-of-Zurich | $25.00 | $25.00 | 12/4/2009 9:05:39 PM |
| oldman68 | $25.00 | $25.00 | 12/4/2009 11:23:04 PM |
| blissful-penny | $100.00 | $100.00 | 12/5/2009 12:35:30 AM |
| Spiv_51 | $25.00 | $25.00 | 12/5/2009 5:05:54 AM |
| blindtaxidriver | $25.00 | $25.00 | 12/5/2009 10:24:48 AM |
| JKKCapital | $25.00 | $25.00 | 11/30/2009 9:42:14 AM |
| Steveoo1 | $50.00 | $50.00 | 11/30/2009 10:18:58 AM |
| credit-investor5 | $100.00 | $100.00 | 11/30/2009 10:47:01 AM |
| sharkm | $25.00 | $25.00 | 11/30/2009 10:49:43 AM |
| E_G | $50.00 | $50.00 | 11/30/2009 10:49:59 AM |
| turbospeed | $25.00 | $25.00 | 11/30/2009 10:42:23 AM |
| iansays1 | $25.00 | $25.00 | 11/30/2009 10:52:20 AM |
| inforapenny | $25.00 | $25.00 | 11/30/2009 10:46:24 AM |
| AF-Chief | $35.00 | $35.00 | 11/30/2009 10:53:27 AM |
| sidney102 | $25.00 | $25.00 | 11/30/2009 10:47:35 AM |
| orange-courageous-dedication | $40.00 | $40.00 | 11/30/2009 10:54:49 AM |
| the_winning_ticket | $35.00 | $35.00 | 11/30/2009 10:49:31 AM |
| burgeoning-silver | $25.00 | $25.00 | 11/30/2009 10:50:12 AM |
| djs81 | $25.00 | $25.00 | 11/30/2009 10:57:42 AM |
| mlkhamilton | $25.00 | $25.00 | 11/30/2009 10:58:15 AM |
| rmachi | $25.00 | $25.00 | 11/30/2009 10:52:06 AM |
| magical-greenback | $55.00 | $55.00 | 11/30/2009 10:53:40 AM |
| kulender | $25.00 | $25.00 | 11/30/2009 10:54:09 AM |
| Havana21 | $50.00 | $50.00 | 11/30/2009 10:53:16 AM |
| roccofox | $50.00 | $50.00 | 11/30/2009 11:00:28 AM |
| BankOfFrankFairness | $50.00 | $50.00 | 11/30/2009 10:54:28 AM |
| foxy-vigilance | $25.00 | $25.00 | 11/30/2009 11:00:45 AM |
| salala | $25.00 | $25.00 | 11/30/2009 11:01:12 AM |
| skuba | $50.00 | $50.00 | 11/30/2009 11:01:30 AM |
| cash-boots | $25.00 | $25.00 | 11/30/2009 11:01:48 AM |
| rjleves | $25.00 | $25.00 | 11/30/2009 11:03:21 AM |
| Bank42 | $50.00 | $50.00 | 11/30/2009 11:04:47 AM |
| natmonkey | $25.00 | $25.00 | 11/30/2009 10:59:28 AM |
| nostromo | $25.00 | $25.00 | 11/30/2009 11:00:16 AM |
| toblerone | $25.00 | $25.00 | 11/30/2009 11:02:34 AM |
| best-deal-banker | $50.00 | $50.00 | 11/30/2009 11:03:42 AM |
| desertoasis | $25.00 | $25.00 | 11/30/2009 11:04:20 AM |
| Jassi | $25.00 | $25.00 | 11/30/2009 11:05:48 AM |
| JJS180 | $25.00 | $25.00 | 11/30/2009 11:12:52 AM |
| _kyle | $25.00 | $25.00 | 11/30/2009 11:07:13 AM |
| payout-point | $100.00 | $100.00 | 11/30/2009 11:07:31 AM |
| mtp | $50.00 | $50.00 | 11/30/2009 11:07:59 AM |
| money-prophesy | $150.00 | $150.00 | 11/30/2009 11:15:23 AM |
| BeansMan02 | $25.00 | $25.00 | 11/30/2009 11:09:57 AM |
| harnobuff | $25.00 | $25.00 | 11/30/2009 11:10:20 AM |
| rulender | $50.00 | $50.00 | 11/30/2009 11:10:28 AM |
| Ven58 | $25.00 | $25.00 | 11/30/2009 11:17:24 AM |
| GOPHERBOY | $65.00 | $65.00 | 11/30/2009 11:13:56 AM |
| astute-dollar | $100.00 | $51.93 | 11/30/2009 11:14:33 AM |
| market-jam | $100.00 | $100.00 | 11/30/2009 11:32:21 AM |
| vtpilot00 | $50.00 | $50.00 | 11/30/2009 11:48:38 AM |
| DHolly | $25.00 | $25.00 | 11/30/2009 12:21:54 PM |
| jybank | $25.00 | $25.00 | 11/30/2009 12:52:20 PM |
| springpanda | $25.00 | $25.00 | 11/30/2009 3:16:11 PM |
| unk1911 | $25.00 | $25.00 | 11/30/2009 4:21:40 PM |
| rate-hickory | $25.00 | $25.00 | 11/30/2009 4:54:18 PM |
| Gromac | $25.00 | $25.00 | 11/30/2009 4:59:48 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/1/2009 8:52:48 AM |
| agreement-accruer | $25.00 | $25.00 | 12/1/2009 10:08:47 AM |
| wack-a-mole | $50.00 | $50.00 | 12/1/2009 10:33:51 AM |
| worlds-best-reward | $25.00 | $25.00 | 12/1/2009 4:22:13 PM |
| BAEVentures | $50.00 | $50.00 | 12/1/2009 6:25:22 PM |
| wwwUniversal | $25.00 | $25.00 | 12/2/2009 7:26:38 AM |
| caffinate | $33.89 | $33.89 | 12/2/2009 11:20:09 AM |
| reBuild-America | $25.00 | $25.00 | 12/2/2009 10:04:50 AM |
| Turk1970 | $50.00 | $50.00 | 12/2/2009 9:13:26 PM |
| cashasaurus0 | $100.00 | $100.00 | 12/3/2009 5:07:38 AM |
| GBlack | $30.00 | $30.00 | 12/2/2009 11:40:57 PM |
| generous-deal6 | $25.00 | $25.00 | 12/3/2009 12:14:26 AM |
| patriot384 | $50.00 | $50.00 | 12/3/2009 6:29:49 AM |
| interest-friendship | $50.00 | $50.00 | 12/3/2009 11:00:13 AM |
| vfernandez1973 | $25.00 | $25.00 | 12/3/2009 5:20:09 PM |
| puifais | $25.00 | $25.00 | 12/3/2009 8:42:23 PM |
| sjlender | $25.00 | $25.00 | 12/3/2009 9:47:58 PM |
| nickel-stream | $25.00 | $25.00 | 12/3/2009 10:57:01 PM |
| QuinMccoy | $25.00 | $25.00 | 12/4/2009 4:57:08 AM |
| Marathoner | $25.00 | $25.00 | 12/4/2009 9:36:41 AM |
| nicklds | $25.00 | $25.00 | 12/4/2009 10:13:51 AM |
| Patrician | $32.91 | $32.91 | 12/4/2009 11:38:45 AM |
| Tulalue | $50.00 | $50.00 | 12/4/2009 11:40:06 AM |
| loyalist1 | $25.00 | $25.00 | 12/4/2009 11:16:17 AM |
| SeaLoans | $25.00 | $25.00 | 12/4/2009 12:41:23 PM |
| SpotLending | $50.00 | $50.00 | 12/4/2009 2:46:52 PM |
| manugee | $50.00 | $50.00 | 12/4/2009 3:26:53 PM |
| elegant-bonus | $25.00 | $25.00 | 12/4/2009 4:17:51 PM |
| all_of_that_one | $25.00 | $25.00 | 12/4/2009 5:32:35 PM |
| crazybill | $25.00 | $25.00 | 12/4/2009 6:52:15 PM |
| sunnysally | $25.00 | $25.00 | 12/4/2009 7:55:42 PM |
| estancias | $25.00 | $25.00 | 12/5/2009 3:44:59 AM |
| JerryB96 | $25.00 | $25.00 | 12/5/2009 8:10:41 AM |
| affluence-tomahawk | $100.00 | $100.00 | 12/5/2009 10:16:53 AM |
| canterburykid | $100.00 | $100.00 | 12/5/2009 12:44:48 PM |
| loanshark62 | $25.00 | $25.00 | 12/5/2009 3:31:20 PM |
| 202 bids
|
Borrower Payment Dependent Notes Series
435842
This series of Notes was issued and sold upon the funding of the borrower loan #39833, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 31.44% |
Starting borrower rate/APR:
| 32.44% / 34.85% |
Starting monthly payment:
| $656.98 |
|
Final lender yield:
| 31.44% |
Final borrower rate/APR:
| 32.44% / 34.85% |
Final monthly payment:
| $656.98 |
| |
|
Auction yield range:
| 11.20% - 31.44% |
Estimated loss impact:
| 10.80% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 7 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 720-739 (Nov-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 5y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $53,723 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 87% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| economy-enlightenment2 |
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
Business Investment
Purpose of loan:
This loan will be used to?partially fund?a 40% ownership of an electrcial supply distributor.?The remaining 60% will be owned by
a multi-billion dollar wholesale firm.? My husband will be the president and?business manager.? He has over 15 years of
experience managing an electrical supply distributor for an international company.?
My financial situation:
I am a good candidate for this loan because I will continue to be employed as a middle manager?by a?very profitable multi-billion?
dollar manufacturer and my income will be supplemented by my husband's salary and bonuses from the electrical supply
distributor.
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 indicate your monthly net income and expenses (for your individually, and also for the household). thanks - reflective-rupee
A:
Borrower Net Monthly Income - $6,100
Spouse Net Monthly Income - $4,400
Spouse Gross Annual Bonus - $30,000
Family Monthly Expenses - $6,450
(Dec-01-2009)
Q:
may I ask, what is the total amount that you and your husband jointly and individually owe to various accounts, credit, mortgage(s), leans, student loans, co-signing. . . and the rest? thanks - oudstryder
A:
Monthly expenses - $6,450 - Includes food, utilities, gas, etc. in addition to mortgage, car payments, credit cards
(Dec-01-2009)
Q:
Please list the balances of all debts for the household (including mortgages and HELOC) and please indicate the current value of your house. thanks - reflective-rupee
A:
Value of House - $280,000
Balance of household debts - $312,000
(Dec-01-2009)
Q:
How much additional will your husband invest (in addition to the $15,000 of proposed Prosper loan proceeds) to buy the 40% interest in the business? thanks - reflective-rupee
A:
The total investment is $50,000. We currently have $35,000 of the investment.
(Dec-02-2009)
Q:
Would you expect to pay this loan off early? thanks - reflective-rupee
A:
Yes, we would expect to pay the loan off early.
(Dec-02-2009)
Q:
Why doesn't your husband get a loan for the $15K from the multi-billion dollar wholesale firm that is to own the electrcial supply distributor with him? Such loans are very typical in buyouts like this. thanks - reflective-rupee
A:
The investor puts up their 60% and provides financing to fund the business equal to 10X the investment of the investor. For example, if the 40% is $50K then the 60% investor provides $500K in a revolving line of credit to purchase inventory and fund other operating expenses.
(Dec-07-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| efficient-principal | $33.00 | $33.00 | 11/30/2009 10:53:21 AM |
| efficient-principal | $30.00 | $30.00 | 11/30/2009 10:54:20 AM |
| five-star-note | $35.00 | $35.00 | 11/30/2009 4:10:48 PM |
| JohnSmallberries | $25.00 | $25.00 | 11/30/2009 4:21:55 PM |
| Bob450 | $50.00 | $50.00 | 11/30/2009 8:47:45 PM |
| Thought | $100.00 | $100.00 | 12/1/2009 2:39:34 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:37:47 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:39:12 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:37:07 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:38:28 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:39:37 PM |
| reflective-rupee | $100.00 | $100.00 | 12/1/2009 7:40:52 PM |
| reflective-rupee | $100.00 | $100.00 | 12/1/2009 7:39:58 PM |
| Dap2005 | $25.00 | $25.00 | 12/2/2009 12:47:22 PM |
| forthright-dedication | $25.00 | $25.00 | 12/2/2009 2:00:53 PM |
| well-mannered-income3 | $75.00 | $75.00 | 12/2/2009 5:05:23 PM |
| capital-galaxy | $50.00 | $50.00 | 12/2/2009 6:48:01 PM |
| capital-galaxy | $50.00 | $50.00 | 12/2/2009 6:49:25 PM |
| reflective-rupee | $750.00 | $750.00 | 12/2/2009 8:09:20 PM |
| reflective-rupee | $150.00 | $150.00 | 12/2/2009 8:10:58 PM |
| flexible-economy2 | $200.00 | $200.00 | 12/2/2009 10:12:14 PM |
| well-mannered-income3 | $75.00 | $75.00 | 12/3/2009 7:36:57 AM |
| pietro_torna_indietro | $25.00 | $25.00 | 12/3/2009 9:33:33 AM |
| mercuriant | $25.00 | $25.00 | 12/3/2009 11:28:45 AM |
| bestloanrate | $50.00 | $50.00 | 12/3/2009 1:03:13 PM |
| exciting-fairness | $200.00 | $200.00 | 12/3/2009 10:59:49 AM |
| lender12345 | $25.00 | $25.00 | 12/3/2009 1:45:54 PM |
| well-mannered-income3 | $60.00 | $60.00 | 12/3/2009 5:24:40 PM |
| WMY-Investor | $250.00 | $250.00 | 12/4/2009 10:17:28 AM |
| reflective-rupee | $300.00 | $300.00 | 12/4/2009 10:18:44 AM |
| credit-coach118 | $35.00 | $35.00 | 12/4/2009 12:18:50 PM |
| beezling | $100.00 | $100.00 | 12/4/2009 12:26:16 PM |
| inforapenny | $25.00 | $25.00 | 12/4/2009 12:35:05 PM |
| Skeptical-one | $200.00 | $200.00 | 12/4/2009 3:16:02 PM |
| Skeptical-one | $200.00 | $200.00 | 12/4/2009 3:15:46 PM |
| SolarMoonshine | $200.00 | $200.00 | 12/5/2009 8:57:44 AM |
| capital-galaxy | $50.00 | $50.00 | 12/5/2009 9:48:50 AM |
| thestartuplender | $75.00 | $75.00 | 12/5/2009 3:53:01 PM |
| worldly-gold | $100.00 | $100.00 | 12/6/2009 7:26:34 AM |
| vest_vortex | $50.00 | $50.00 | 12/6/2009 3:39:55 PM |
| well-mannered-income3 | $75.00 | $75.00 | 12/6/2009 4:43:54 PM |
| penny-surgeon | $25.00 | $25.00 | 12/6/2009 7:36:29 PM |
| well-mannered-income3 | $50.00 | $50.00 | 12/6/2009 8:10:01 PM |
| TakeCare | $150.00 | $150.00 | 12/6/2009 9:34:16 PM |
| sensible-fund | $100.00 | $60.68 | 12/7/2009 4:40:57 AM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 11:36:22 AM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 1:41:26 PM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 12:59:22 PM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 4:13:55 PM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 4:14:11 PM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 4:13:27 PM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 4:14:12 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:38:12 PM |
| fillholdingsllc | $25.00 | $25.00 | 12/1/2009 6:52:36 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:37:21 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:38:45 PM |
| reflective-rupee | $100.00 | $100.00 | 12/1/2009 7:40:22 PM |
| reflective-rupee | $100.00 | $100.00 | 12/1/2009 7:41:33 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 7:37:59 PM |
| reflective-rupee | $100.00 | $100.00 | 12/1/2009 7:41:10 PM |
| reflective-rupee | $1,500.00 | $1,500.00 | 12/2/2009 9:36:02 AM |
| icecoldcash | $150.00 | $150.00 | 12/2/2009 12:02:27 PM |
| well-mannered-income3 | $75.00 | $75.00 | 12/2/2009 12:50:55 PM |
| loss-of-control | $25.00 | $25.00 | 12/2/2009 6:03:25 PM |
| capital-galaxy | $50.00 | $50.00 | 12/2/2009 6:48:58 PM |
| bonus-chosen-one | $41.32 | $41.32 | 12/2/2009 5:14:31 PM |
| capital-galaxy | $50.00 | $50.00 | 12/2/2009 6:48:30 PM |
| supreme-justice3 | $50.00 | $50.00 | 12/2/2009 8:45:19 PM |
| a-reasonable-return | $25.00 | $25.00 | 12/3/2009 7:23:40 AM |
| double22 | $50.00 | $50.00 | 12/3/2009 9:30:28 AM |
| professional-finance | $25.00 | $25.00 | 12/3/2009 2:28:18 PM |
| well-mannered-income3 | $40.00 | $40.00 | 12/4/2009 8:10:50 AM |
| reflective-rupee | $1,350.00 | $1,350.00 | 12/4/2009 12:49:41 PM |
| 371millwood | $200.00 | $200.00 | 12/4/2009 9:47:03 PM |
| thestartuplender | $125.00 | $125.00 | 12/5/2009 3:53:40 PM |
| cashasaurus0 | $300.00 | $300.00 | 12/6/2009 6:09:14 AM |
| enlightenment5 | $25.00 | $25.00 | 12/6/2009 4:17:09 AM |
| reflective-rupee | $1,000.00 | $1,000.00 | 12/6/2009 7:29:18 PM |
| SFBank | $200.00 | $200.00 | 12/6/2009 6:46:21 PM |
| reflective-rupee | $500.00 | $500.00 | 12/6/2009 9:35:40 PM |
| reflective-rupee | $1,200.00 | $1,200.00 | 12/6/2009 7:02:29 PM |
| reflective-rupee | $1,500.00 | $1,500.00 | 12/6/2009 7:28:57 PM |
| reflective-rupee | $600.00 | $600.00 | 12/6/2009 7:29:53 PM |
| reflective-rupee | $590.00 | $590.00 | 12/6/2009 7:54:59 PM |
| umfan123 | $25.00 | $25.00 | 12/7/2009 6:41:03 AM |
| Get56 | $25.00 | $25.00 | 12/7/2009 5:47:44 AM |
| 86 bids
|
Borrower Payment Dependent Notes Series
436026
This series of Notes was issued and sold upon the funding of the borrower loan #39883, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-01-2009 |
| |
Auction end date:
| Dec-04-2009 |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $332.14 |
|
Final lender yield:
| 10.40% |
Final borrower rate/APR:
| 11.40% / 13.52% |
Final monthly payment:
| $329.28 |
| |
|
Auction yield range:
| 4.20% - 11.00% |
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:
| Sep-2000 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Nov-2009) |
Current / open credit lines:
| 12
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $21,580 |
Occupation: | Architect |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 53% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| LuminousInc |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 55 ( 96% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $14,000.00 | < mo. late:
| 2
( 4% )
| 640-659
(Jan-2008)
620-639
(Nov-2007)
600-619
(Nov-2006)
|
|
Principal balance:
| $2,908.15 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 57 | | |
Description
Australian Adventure
I am an IT security consultant based in the washington metro area, and I am looking to take a leave of absense to join friends on a once in a lifetime 90 day trip backpacking through Australia and hopefully New Zealand.? I need help securing funds to pay for not only the trip, but also my expenses at home while I am not collecting a salary.? I have been a track record of repaying my loans on prosper, a?700+ credit score, and a A rating on prosper.? Your help in making this dream come true is much appreciated!?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
In your loan description you say you are an "IT security consultant", while in your borrower's credit profile you say you are an "architect" . Can you please clarify this discrepancy? - Lender25
A:
My job title is "IT Architect" of which my specialization is information security. I am an architect with respect to information systems as opposed to buildings or structures.
(Dec-04-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Rcprofit | $25.00 | $25.00 | 12/1/2009 3:59:40 PM |
| five-star-note | $25.00 | $25.00 | 12/1/2009 4:00:21 PM |
| affluence-tycoon | $25.00 | $25.00 | 12/1/2009 4:01:23 PM |
| shadargroup | $25.00 | $25.00 | 12/1/2009 4:01:29 PM |
| freesia54 | $25.00 | $25.00 | 12/1/2009 3:59:37 PM |
| mrfrog | $25.00 | $25.00 | 12/1/2009 4:08:00 PM |
| TK4 | $25.00 | $25.00 | 12/1/2009 4:00:41 PM |
| galaxy1 | $25.00 | $25.00 | 12/1/2009 4:00:49 PM |
| cashfl0w | $50.00 | $50.00 | 12/1/2009 4:08:38 PM |
| gboftn | $25.00 | $25.00 | 12/1/2009 4:08:41 PM |
| b-rent | $25.00 | $25.00 | 12/1/2009 4:01:27 PM |
| Raser | $25.00 | $25.00 | 12/1/2009 4:09:06 PM |
| shaker348 | $25.00 | $25.00 | 12/1/2009 4:07:54 PM |
| steiglends | $50.00 | $50.00 | 12/1/2009 4:09:53 PM |
| Velocity_Lenders | $100.00 | $100.00 | 12/1/2009 3:59:45 PM |
| Andaliego | $25.01 | $25.01 | 12/1/2009 3:59:56 PM |
| THREE-POINTS-LENDING | $25.00 | $25.00 | 12/1/2009 4:08:31 PM |
| zoomdrm57 | $50.00 | $50.00 | 12/1/2009 4:00:01 PM |
| Dap2005 | $25.00 | $25.00 | 12/1/2009 4:00:38 PM |
| turbospeed | $25.00 | $25.00 | 12/1/2009 4:08:58 PM |
| first-restless-payout | $50.00 | $50.00 | 12/1/2009 4:00:43 PM |
| IP | $32.13 | $32.13 | 12/1/2009 4:09:08 PM |
| Oryx22 | $25.00 | $25.00 | 12/1/2009 4:11:34 PM |
| Rosencranz | $25.00 | $25.00 | 12/1/2009 4:09:16 PM |
| treasure-generator | $25.00 | $25.00 | 12/1/2009 4:09:26 PM |
| irrelevant | $25.00 | $25.00 | 12/1/2009 4:11:55 PM |
| orbiter614 | $50.00 | $50.00 | 12/1/2009 4:01:08 PM |
| norcalsv | $50.00 | $50.00 | 12/1/2009 4:10:48 PM |
| Synergism | $25.00 | $25.00 | 12/1/2009 4:12:51 PM |
| tijuas90 | $25.00 | $25.00 | 12/1/2009 4:08:17 PM |
| CPAMAN | $25.00 | $25.00 | 12/1/2009 4:11:11 PM |
| Solluna | $25.00 | $25.00 | 12/1/2009 4:12:54 PM |
| PitOfSuccess | $25.00 | $25.00 | 12/1/2009 4:08:20 PM |
| Hiro07 | $25.00 | $25.00 | 12/1/2009 4:11:27 PM |
| MARSTUN | $50.00 | $50.00 | 12/1/2009 4:13:06 PM |
| eric-p | $25.00 | $25.00 | 12/1/2009 4:11:30 PM |
| Proud2BAmerican | $25.00 | $25.00 | 12/1/2009 4:13:09 PM |
| Winkyboy | $25.00 | $25.00 | 12/1/2009 4:08:40 PM |
| How | $25.00 | $25.00 | 12/1/2009 4:13:19 PM |
| ohnezweck | $25.00 | $25.00 | 12/1/2009 4:08:44 PM |
| bazaar-ruler | $25.00 | $25.00 | 12/1/2009 4:13:26 PM |
| sentry256 | $25.00 | $25.00 | 12/1/2009 4:09:12 PM |
| jenq0001 | $25.00 | $25.00 | 12/1/2009 4:12:17 PM |
| Astounding | $25.00 | $25.00 | 12/1/2009 4:12:28 PM |
| calm-deal7 | $50.00 | $50.00 | 12/1/2009 4:12:31 PM |
| Divr555 | $50.00 | $50.00 | 12/1/2009 4:12:42 PM |
| myhrer | $50.00 | $50.00 | 12/1/2009 4:12:50 PM |
| HappyHelpingLender | $25.00 | $25.00 | 12/1/2009 4:14:18 PM |
| GATrust | $50.00 | $50.00 | 12/1/2009 4:12:57 PM |
| dospapalotes | $25.00 | $25.00 | 12/1/2009 4:13:01 PM |
| damanq | $25.00 | $25.00 | 12/1/2009 4:13:05 PM |
| hanuman77 | $50.00 | $50.00 | 12/1/2009 4:14:31 PM |
| dadalou | $25.00 | $25.00 | 12/1/2009 4:10:51 PM |
| Deuce | $25.00 | $25.00 | 12/1/2009 4:13:11 PM |
| three-for-6 | $50.00 | $50.00 | 12/1/2009 4:14:36 PM |
| brewman | $26.00 | $26.00 | 12/1/2009 4:13:18 PM |
| BrooklynJim | $25.00 | $25.00 | 12/1/2009 4:13:27 PM |
| OskiVentures | $25.00 | $25.00 | 12/1/2009 4:14:47 PM |
| KHU2-B | $25.00 | $25.00 | 12/1/2009 4:11:12 PM |
| takabanana | $25.00 | $25.00 | 12/1/2009 4:14:59 PM |
| dimitrip1024 | $25.00 | $25.00 | 12/1/2009 4:11:26 PM |
| WeAlNe | $25.00 | $25.00 | 12/1/2009 4:15:40 PM |
| money4free | $25.00 | $25.00 | 12/1/2009 4:14:26 PM |
| davidc314 | $50.00 | $50.00 | 12/1/2009 4:14:30 PM |
| Breakfast_Gypsy | $25.00 | $25.00 | 12/1/2009 4:12:35 PM |
| booksleuth | $50.00 | $50.00 | 12/1/2009 4:16:19 PM |
| alfster1 | $31.21 | $31.21 | 12/1/2009 4:12:40 PM |
| chipperjohnson | $25.00 | $25.00 | 12/1/2009 4:14:49 PM |
| Dakota98 | $50.00 | $50.00 | 12/1/2009 4:14:55 PM |
| herbyman | $25.00 | $25.00 | 12/1/2009 4:12:49 PM |
| Josilot | $25.00 | $25.00 | 12/1/2009 4:13:00 PM |
| Supernick | $25.00 | $25.00 | 12/1/2009 4:13:24 PM |
| puifais | $25.00 | $25.00 | 12/1/2009 4:17:05 PM |
| broepke | $25.00 | $25.00 | 12/1/2009 4:13:38 PM |
| Cbgator | $25.00 | $25.00 | 12/1/2009 4:17:09 PM |
| chlebie | $50.00 | $50.00 | 12/1/2009 4:17:35 PM |
| wings2fly | $25.00 | $25.00 | 12/1/2009 4:14:12 PM |
| efficient-bid2 | $25.00 | $25.00 | 12/1/2009 4:16:34 PM |
| CaboWaboRobo | $25.00 | $25.00 | 12/1/2009 4:14:29 PM |
| dollar-oracle55 | $25.00 | $25.00 | 12/1/2009 4:16:39 PM |
| BritDad | $25.00 | $25.00 | 12/1/2009 4:18:11 PM |
| JMJIluss | $25.00 | $25.00 | 12/1/2009 4:14:32 PM |
| kid8549 | $25.00 | $25.00 | 12/1/2009 4:16:57 PM |
| unk1911 | $25.00 | $25.00 | 12/1/2009 4:18:25 PM |
| MrDavid | $25.00 | $25.00 | 12/1/2009 4:17:04 PM |
| 02bob | $25.00 | $25.00 | 12/1/2009 4:18:32 PM |
| The_Lending_Muscle | $25.00 | $25.00 | 12/1/2009 4:14:48 PM |
| glalat | $25.00 | $25.00 | 12/1/2009 4:18:38 PM |
| metro457 | $25.00 | $25.00 | 12/1/2009 4:14:54 PM |
| sxcarlson | $31.66 | $31.66 | 12/1/2009 4:17:15 PM |
| Little_Guy | $25.00 | $25.00 | 12/1/2009 4:17:19 PM |
| TOCPI | $25.00 | $25.00 | 12/1/2009 4:19:20 PM |
| BankofTony | $25.00 | $25.00 | 12/1/2009 4:19:26 PM |
| skuba | $25.00 | $25.00 | 12/1/2009 4:16:20 PM |
| gristle | $25.00 | $25.00 | 12/1/2009 4:19:35 PM |
| Kijib | $25.00 | $25.00 | 12/1/2009 4:19:40 PM |
| dparkhom | $25.00 | $25.00 | 12/1/2009 4:18:33 PM |
| monticello | $25.00 | $25.00 | 12/1/2009 4:19:54 PM |
| aldeed | $25.00 | $25.00 | 12/1/2009 4:16:46 PM |
| p2p-allocator | $25.00 | $25.00 | 12/1/2009 4:16:54 PM |
| utukxul | $25.00 | $25.00 | 12/1/2009 4:18:44 PM |
| herman7 | $25.00 | $25.00 | 12/1/2009 4:20:25 PM |
| RationalWorld | $25.00 | $25.00 | 12/1/2009 4:20:40 PM |
| profit33r | $25.00 | $25.00 | 12/1/2009 4:19:17 PM |
| mrfixerupper | $25.00 | $25.00 | 12/1/2009 4:19:19 PM |
| salala | $25.00 | $25.00 | 12/1/2009 4:20:49 PM |
| ljay | $25.00 | $25.00 | 12/1/2009 4:17:52 PM |
| MCKT76210 | $25.00 | $25.00 | 12/1/2009 4:19:25 PM |
| Apeman00 | $25.00 | $25.00 | 12/1/2009 4:19:30 PM |
| CAGE-Investments | $50.00 | $50.00 | 12/1/2009 4:21:05 PM |
| market-worker | $25.00 | $25.00 | 12/1/2009 4:19:39 PM |
| littlemonkey | $25.00 | $25.00 | 12/1/2009 4:18:29 PM |
| portfolio-zone801 | $25.00 | $25.00 | 12/1/2009 4:19:53 PM |
| treasure-bliss | $100.00 | $100.00 | 12/1/2009 4:19:02 PM |
| Maccs55 | $25.00 | $25.00 | 12/1/2009 4:20:19 PM |
| mrbigcup | $25.00 | $25.00 | 12/1/2009 4:19:15 PM |
| Sefotonga | $25.00 | $25.00 | 12/1/2009 4:20:27 PM |
| yertle9 | $25.00 | $25.00 | 12/1/2009 4:19:42 PM |
| WalnutCreekguy | $33.00 | $33.00 | 12/1/2009 4:22:40 PM |
| ScottW | $25.00 | $25.00 | 12/1/2009 4:20:55 PM |
| cash-boots | $25.00 | $25.00 | 12/1/2009 4:21:10 PM |
| mikeandcat | $50.00 | $50.00 | 12/1/2009 4:20:58 PM |
| tremendous-payment | $25.00 | $25.00 | 12/1/2009 4:21:28 PM |
| Artist_Blue | $25.00 | $25.00 | 12/1/2009 4:21:31 PM |
| biobulator | $25.00 | $25.00 | 12/1/2009 4:21:33 PM |
| rmachi | $25.00 | $25.00 | 12/1/2009 4:21:46 PM |
| credit-kahuna | $100.00 | $100.00 | 12/1/2009 4:21:51 PM |
| EnigmaNYC-29 | $25.00 | $25.00 | 12/1/2009 4:22:01 PM |
| personal-lender | $25.00 | $25.00 | 12/1/2009 4:22:13 PM |
| museic1 | $50.00 | $50.00 | 12/1/2009 4:22:21 PM |
| yield-lion | $25.00 | $25.00 | 12/1/2009 4:22:27 PM |
| RetiredATC | $25.00 | $25.00 | 12/1/2009 4:22:30 PM |
| bchen78875 | $25.00 | $25.00 | 12/1/2009 4:22:36 PM |
| chicco | $80.00 | $80.00 | 12/1/2009 4:22:43 PM |
| youqianderen | $50.00 | $50.00 | 12/1/2009 4:22:49 PM |
| xstreamin | $25.00 | $25.00 | 12/1/2009 4:22:53 PM |
| ThomasCrown | $30.00 | $18.30 | 12/1/2009 4:22:55 PM |
| money-prophesy | $150.00 | $150.00 | 12/1/2009 4:34:24 PM |
| CallMeBen | $25.00 | $25.00 | 12/1/2009 4:35:24 PM |
| building_community | $33.82 | $33.82 | 12/1/2009 5:41:09 PM |
| Syzygy | $25.00 | $25.00 | 12/1/2009 4:51:11 PM |
| famous-community8 | $25.00 | $25.00 | 12/2/2009 10:32:51 AM |
| hardworking-treasure | $25.00 | $25.00 | 12/2/2009 3:05:26 PM |
| outofoffice | $52.90 | $52.90 | 12/2/2009 3:49:17 PM |
| reflective-rupee | $25.00 | $25.00 | 12/3/2009 7:32:04 PM |
| a-resplendent-commitment | $25.00 | $25.00 | 12/3/2009 8:32:36 PM |
| sjlender | $25.00 | $25.00 | 12/3/2009 9:47:31 PM |
| gold-commander0 | $50.00 | $50.00 | 12/3/2009 10:39:22 PM |
| chief_wo | $25.00 | $25.00 | 12/1/2009 4:00:32 PM |
| DadWarbucks | $25.00 | $25.00 | 12/1/2009 4:01:06 PM |
| foxy-fund | $25.00 | $25.00 | 12/1/2009 4:01:37 PM |
| DandBFamily | $25.00 | $25.00 | 12/1/2009 3:59:42 PM |
| theincarnatemike | $25.00 | $25.00 | 12/1/2009 4:08:11 PM |
| Sphinx9499 | $25.00 | $25.00 | 12/1/2009 4:00:24 PM |
| a0z0ra | $50.00 | $50.00 | 12/1/2009 4:08:37 PM |
| cesta283 | $25.00 | $25.00 | 12/1/2009 4:01:43 PM |
| MoNeYMaN5 | $25.00 | $25.00 | 12/1/2009 4:09:04 PM |
| Zagit | $25.00 | $25.00 | 12/1/2009 4:09:11 PM |
| bookloverInCA | $25.00 | $25.00 | 12/1/2009 4:07:44 PM |
| Lithorien | $25.00 | $25.00 | 12/1/2009 4:07:52 PM |
| brooklynjoe | $25.00 | $25.00 | 12/1/2009 4:08:10 PM |
| iceberg982362 | $25.00 | $25.00 | 12/1/2009 4:08:27 PM |
| smmgnn99 | $25.00 | $25.00 | 12/1/2009 4:00:06 PM |
| HunterSix | $25.00 | $25.00 | 12/1/2009 4:08:48 PM |
| papaman | $25.00 | $25.00 | 12/1/2009 4:11:06 PM |
| Interloper | $25.00 | $25.00 | 12/1/2009 4:08:53 PM |
| feedpaulyfaster | $25.00 | $25.00 | 12/1/2009 4:08:57 PM |
| mooselegs19 | $25.00 | $25.00 | 12/1/2009 4:11:32 PM |
| BrighterSuns | $25.00 | $25.00 | 12/1/2009 4:00:54 PM |
| unclejaef | $25.00 | $25.00 | 12/1/2009 4:11:38 PM |
| DonkeyRider | $25.00 | $25.00 | 12/1/2009 4:12:05 PM |
| ct641ct | $44.12 | $44.12 | 12/1/2009 4:12:18 PM |
| CreativeIdeas | $25.00 | $25.00 | 12/1/2009 4:07:53 PM |
| Quentin8002 | $25.00 | $25.00 | 12/1/2009 4:12:34 PM |
| unequaled-worth | $25.00 | $25.00 | 12/1/2009 4:08:01 PM |
| dmitrk | $25.00 | $25.00 | 12/1/2009 4:10:49 PM |
| Trinkaloki | $25.00 | $25.00 | 12/1/2009 4:12:37 PM |
| ALVO | $100.00 | $100.00 | 12/1/2009 4:11:03 PM |
| Herluftrolle | $25.00 | $25.00 | 12/1/2009 4:12:46 PM |
| lookingup78 | $25.00 | $25.00 | 12/1/2009 4:08:14 PM |
| MC_ | $25.00 | $25.00 | 12/1/2009 4:08:18 PM |
| sloan | $25.00 | $25.00 | 12/1/2009 4:11:20 PM |
| lounges | $36.56 | $36.56 | 12/1/2009 4:12:55 PM |
| Fahrquar | $25.00 | $25.00 | 12/1/2009 4:08:21 PM |
| kubien | $25.00 | $25.00 | 12/1/2009 4:13:02 PM |
| tillit | $25.00 | $25.00 | 12/1/2009 4:08:33 PM |
| saschar | $25.00 | $25.00 | 12/1/2009 4:11:30 PM |
| onesunca | $25.00 | $25.00 | 12/1/2009 4:13:08 PM |
| mollybosco | $41.03 | $41.03 | 12/1/2009 4:11:33 PM |
| Dean1 | $25.00 | $25.00 | 12/1/2009 4:13:15 PM |
| WolRab | $25.00 | $25.00 | 12/1/2009 4:08:42 PM |
| red-favorable-basis | $25.00 | $25.00 | 12/1/2009 4:11:36 PM |
| decisive-capital | $50.00 | $50.00 | 12/1/2009 4:13:21 PM |
| oodkim84oo | $40.00 | $40.00 | 12/1/2009 4:09:05 PM |
| nick5454 | $50.00 | $50.00 | 12/1/2009 4:11:53 PM |
| Cubsfan07 | $25.00 | $25.00 | 12/1/2009 4:12:15 PM |
| Chembro783 | $25.00 | $25.00 | 12/1/2009 4:12:32 PM |
| rakey | $25.00 | $25.00 | 12/1/2009 4:10:00 PM |
| Approved1234 | $25.00 | $25.00 | 12/1/2009 4:14:15 PM |
| Dia_Lucri3 | $25.00 | $25.00 | 12/1/2009 4:12:52 PM |
| ahalls | $25.00 | $25.00 | 12/1/2009 4:14:23 PM |
| DaveG56313 | $25.00 | $25.00 | 12/1/2009 4:14:34 PM |
| FASTIZIO_P | $33.33 | $33.33 | 12/1/2009 4:10:57 PM |
| mlsstelulah | $25.00 | $25.00 | 12/1/2009 4:13:12 PM |
| rlrcstr | $25.00 | $25.00 | 12/1/2009 4:14:50 PM |
| AvailableFunds | $25.00 | $25.00 | 12/1/2009 4:14:57 PM |
| Ragestang | $25.00 | $25.00 | 12/1/2009 4:11:28 PM |
| scottr | $25.00 | $25.00 | 12/1/2009 4:11:39 PM |
| ogoog | $25.00 | $25.00 | 12/1/2009 4:15:41 PM |
| draggon77 | $25.00 | $25.00 | 12/1/2009 4:14:19 PM |
| showmestatekid | $25.00 | $25.00 | 12/1/2009 4:15:53 PM |
| omerta6102 | $50.00 | $50.00 | 12/1/2009 4:11:52 PM |
| siege01 | $25.00 | $25.00 | 12/1/2009 4:14:24 PM |
| Veloce | $25.00 | $25.00 | 12/1/2009 4:15:58 PM |
| Central_States_Mutual | $25.00 | $25.00 | 12/1/2009 4:11:58 PM |
| divemaster | $25.00 | $25.00 | 12/1/2009 4:12:12 PM |
| crazycool | $35.00 | $35.00 | 12/1/2009 4:16:12 PM |
| Aquafina24Ounce | $25.00 | $25.00 | 12/1/2009 4:12:38 PM |
| opmjdv | $25.00 | $25.00 | 12/1/2009 4:12:41 PM |
| AF-Chief | $35.00 | $35.00 | 12/1/2009 4:16:25 PM |
| jibe-set | $50.00 | $50.00 | 12/1/2009 4:12:47 PM |
| cassius84 | $25.00 | $25.00 | 12/1/2009 4:14:58 PM |
| Bubbasnestegg | $25.00 | $25.00 | 12/1/2009 4:13:07 PM |
| PHI4308 | $25.00 | $25.00 | 12/1/2009 4:16:53 PM |
| liweiwh21 | $25.00 | $25.00 | 12/1/2009 4:13:16 PM |
| dspmn | $25.00 | $25.00 | 12/1/2009 4:17:08 PM |
| hard-working-loot | $25.00 | $25.00 | 12/1/2009 4:16:11 PM |
| Haydendover | $25.00 | $25.00 | 12/1/2009 4:17:21 PM |
| bellach | $44.93 | $44.93 | 12/1/2009 4:17:25 PM |
| wise-spirited-nickel | $25.00 | $25.00 | 12/1/2009 4:16:23 PM |
| Steveoo1 | $25.00 | $25.00 | 12/1/2009 4:17:42 PM |
| Kerrysbay | $25.00 | $25.00 | 12/1/2009 4:16:29 PM |
| jtradition | $50.00 | $50.00 | 12/1/2009 4:14:22 PM |
| ZedZed | $25.00 | $25.00 | 12/1/2009 4:14:25 PM |
| ArkoshKovash | $25.00 | $25.00 | 12/1/2009 4:16:52 PM |
| currency-prometheus | $25.00 | $25.00 | 12/1/2009 4:18:22 PM |
| dansarkis | $25.00 | $25.00 | 12/1/2009 4:17:07 PM |
| noble-revenue | $50.00 | $50.00 | 12/1/2009 4:14:51 PM |
| compassion-paladin042 | $25.00 | $25.00 | 12/1/2009 4:14:56 PM |
| SeattleAngel | $25.00 | $25.00 | 12/1/2009 4:17:16 PM |
| krazydavet | $25.00 | $25.00 | 12/1/2009 4:17:26 PM |
| keeks | $25.00 | $25.00 | 12/1/2009 4:18:52 PM |
| peso-colonel | $25.00 | $25.00 | 12/1/2009 4:19:05 PM |
| Oupa-George | $25.00 | $25.00 | 12/1/2009 4:17:45 PM |
| pwkpwk | $25.00 | $25.00 | 12/1/2009 4:16:05 PM |
| BerkeleyBonds | $25.00 | $25.00 | 12/1/2009 4:19:22 PM |
| G1g1ty | $25.00 | $25.00 | 12/1/2009 4:19:31 PM |
| doublediamond | $25.00 | $25.00 | 12/1/2009 4:18:10 PM |
| TommyTucker | $50.00 | $50.00 | 12/1/2009 4:18:16 PM |
| wise-silver-wonder | $25.00 | $25.00 | 12/1/2009 4:19:41 PM |
| BidPlace | $25.00 | $25.00 | 12/1/2009 4:16:44 PM |
| smurf163 | $25.00 | $25.00 | 12/1/2009 4:18:35 PM |
| the-silver-blaster | $50.00 | $50.00 | 12/1/2009 4:16:48 PM |
| westsidehighway | $25.00 | $25.00 | 12/1/2009 4:18:43 PM |
| Interstate_Rate | $500.00 | $500.00 | 12/1/2009 4:18:58 PM |
| roman1998 | $25.00 | $25.00 | 12/1/2009 4:17:17 PM |
| loiosh | $25.00 | $25.00 | 12/1/2009 4:17:23 PM |
| TelegramSam | $25.00 | $25.00 | 12/1/2009 4:19:16 PM |
| wwwUniversal | $25.00 | $25.00 | 12/1/2009 4:20:42 PM |
| hogdriver | $25.00 | $25.00 | 12/1/2009 4:19:23 PM |
| money2k | $25.00 | $25.00 | 12/1/2009 4:20:53 PM |
| slyder61 | $25.00 | $25.00 | 12/1/2009 4:19:27 PM |
| apetrock | $50.00 | $50.00 | 12/1/2009 4:19:33 PM |
| tallmon | $25.00 | $25.00 | 12/1/2009 4:21:15 PM |
| responsibility-butterfly | $25.00 | $25.00 | 12/1/2009 4:19:45 PM |
| miked8303 | $25.00 | $25.00 | 12/1/2009 4:21:36 PM |
| ualf | $50.00 | $50.00 | 12/1/2009 4:18:41 PM |
| IIP77 | $25.00 | $25.00 | 12/1/2009 4:18:45 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 12/1/2009 4:22:09 PM |
| smart-return | $25.00 | $25.00 | 12/1/2009 4:20:22 PM |
| SNH | $50.00 | $50.00 | 12/1/2009 4:22:16 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/1/2009 4:20:33 PM |
| Clambake | $50.00 | $50.00 | 12/1/2009 4:22:25 PM |
| oreyedoc | $25.00 | $25.00 | 12/1/2009 4:19:38 PM |
| Cai8899 | $40.00 | $40.00 | 12/1/2009 4:22:31 PM |
| ImaPutz | $25.00 | $25.00 | 12/1/2009 4:20:00 PM |
| fortytwo | $150.00 | $150.00 | 12/1/2009 4:20:15 PM |
| leodaguy | $25.00 | $25.00 | 12/1/2009 4:21:18 PM |
| newbietony | $30.00 | $30.00 | 12/1/2009 4:21:20 PM |
| sharkm | $25.00 | $25.00 | 12/1/2009 4:21:22 PM |
| E_G | $30.00 | $30.00 | 12/1/2009 4:21:24 PM |
| burgeoning-silver | $25.00 | $25.00 | 12/1/2009 4:21:26 PM |
| lloyd_s | $25.00 | $25.00 | 12/1/2009 4:21:30 PM |
| Diamond_Jim | $25.00 | $25.00 | 12/1/2009 4:21:12 PM |
| Lightlife | $50.00 | $50.00 | 12/1/2009 4:21:45 PM |
| justice-dna | $25.00 | $25.00 | 12/1/2009 4:21:52 PM |
| mikrolown | $25.00 | $25.00 | 12/1/2009 4:21:38 PM |
| CarDealer3070 | $25.00 | $25.00 | 12/1/2009 4:22:03 PM |
| value-pole | $25.00 | $25.00 | 12/1/2009 4:21:41 PM |
| payout-achievement | $40.00 | $40.00 | 12/1/2009 4:21:56 PM |
| czar3 | $30.00 | $30.00 | 12/1/2009 4:22:11 PM |
| rolandweary | $40.00 | $40.00 | 12/1/2009 4:22:19 PM |
| bonus-buddy2 | $35.00 | $35.00 | 12/1/2009 4:22:22 PM |
| jeg3k | $25.00 | $25.00 | 12/1/2009 4:22:46 PM |
| five-star-justice | $36.00 | $36.00 | 12/1/2009 4:26:08 PM |
| Ven58 | $25.00 | $25.00 | 12/1/2009 4:39:07 PM |
| minista | $25.00 | $25.00 | 12/1/2009 4:38:59 PM |
| availableloan | $25.00 | $25.00 | 12/1/2009 4:39:27 PM |
| blot44 | $25.00 | $25.00 | 12/1/2009 6:03:07 PM |
| Finspons | $25.00 | $25.00 | 12/2/2009 11:16:33 AM |
| justice-hawk | $25.00 | $25.00 | 12/2/2009 8:02:44 PM |
| generous-deal6 | $25.00 | $25.00 | 12/3/2009 12:02:24 AM |
| neenerman | $75.00 | $75.00 | 12/3/2009 8:57:26 AM |
| interstellar | $50.00 | $50.00 | 12/3/2009 2:52:28 PM |
| helping-out | $40.00 | $40.00 | 12/3/2009 9:00:39 PM |
| JohnGalt94 | $25.00 | $25.00 | 12/3/2009 9:03:08 PM |
| QuinMccoy | $25.00 | $25.00 | 12/4/2009 4:57:25 AM |
| 307 bids
|
Borrower Payment Dependent Notes Series
435343
This series of Notes was issued and sold upon the funding of the borrower loan #39891, 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-25-2009 |
| |
Auction end date:
| Dec-02-2009 |
|
|
Starting lender yield:
| 20.17% |
Starting borrower rate/APR:
| 21.17% / 24.98% |
Starting monthly payment:
| $37.76 |
|
Final lender yield:
| 16.85% |
Final borrower rate/APR:
| 17.85% / 21.59% |
Final monthly payment:
| $36.08 |
| |
|
Auction yield range:
| 8.20% - 20.17% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Apr-2007 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 640-659 (Nov-2009) |
Current / open credit lines:
| 1
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 2 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| systematic-credit9 |
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
Just pursuing a dream
Purpose of loan:
This loan will be used to start buying equipment for an upcoming film shoot that I am working on. This has been a longtime dream of mine, but I have never really pursued it. Most of the money (more than 50%) would?be used for this purpose. If I got the loan, I would buy some simple, basic equipment (audio interface, shotgun mic, and a simple lighting setup).?I would also use some of the money to buy some film (about $100 to $200 for 2 rolls of 400' 16mm film), as I am shooting with a CP16 16mm film camera.
I would also?use some of the money?to pay off some very small debt (lower than $300.00). However most of the money would go to the film equipment, and this small loan would help in that department.
My financial situation:
I am a good candidate for this loan because I am never late with payments. Also, the payments on this loan will be so small that paying them won't be much of a problem. I will also be taking on a second job soon, which means more income. I also plan to pay off the loan in large spurts rather than sticking to the set payment each month, so that the loan will be payed off in about six to eight months instead of two years.
Monthly net income: $900.00
Monthly expenses: $
??Housing: $400.00
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $50.00?
??Food, entertainment: $50.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $50.00 (transportation)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| marwadi-62 | $50.00 | $50.00 | 11/26/2009 7:29:19 AM |
| hellasow | $25.00 | $25.00 | 11/26/2009 11:29:48 AM |
| junes08 | $50.00 | $50.00 | 11/27/2009 3:42:15 PM |
| Syzygy | $25.00 | $25.00 | 11/27/2009 6:53:30 PM |
| ilikeboats | $50.00 | $50.00 | 11/28/2009 3:03:02 PM |
| vine99 | $65.00 | $65.00 | 11/29/2009 2:30:02 PM |
| chill32151 | $67.00 | $67.00 | 11/29/2009 11:07:55 PM |
| d34dfish | $25.00 | $25.00 | 11/30/2009 9:00:08 PM |
| brutusbone | $27.91 | $27.91 | 12/1/2009 4:10:18 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/1/2009 5:53:53 PM |
| bluebouyz | $25.00 | $25.00 | 12/1/2009 9:39:26 PM |
| worth-arch | $25.00 | $25.00 | 12/2/2009 10:58:01 AM |
| Happyhourcomics | $25.00 | $25.00 | 12/2/2009 11:09:39 AM |
| investment-party | $25.00 | $25.00 | 12/2/2009 12:48:02 PM |
| nickel-pipeline | $25.00 | $25.00 | 12/2/2009 1:15:37 PM |
| Engineer44 | $39.00 | $39.00 | 12/2/2009 1:54:09 PM |
| nickel-pipeline | $25.00 | $25.00 | 12/2/2009 1:44:49 PM |
| aurorafinancial | $50.00 | $50.00 | 11/26/2009 9:47:05 PM |
| versatilenyguy | $50.00 | $50.00 | 11/30/2009 8:18:28 AM |
| Montgomery-Burns | $25.00 | $25.00 | 11/30/2009 4:57:49 PM |
| JaceSpade | $25.00 | $25.00 | 11/30/2009 8:47:43 PM |
| carrinel | $25.00 | $25.00 | 12/1/2009 4:30:49 PM |
| Cliffie83 | $36.36 | $36.36 | 12/1/2009 8:06:17 PM |
| wild-orange | $25.00 | $25.00 | 12/2/2009 1:31:00 AM |
| PotBellyPete | $25.00 | $25.00 | 12/2/2009 8:24:26 AM |
| jybank | $25.00 | $25.00 | 12/2/2009 10:44:30 AM |
| bondhedger | $25.00 | $25.00 | 12/2/2009 11:18:42 AM |
| ConcreteOne | $25.00 | $25.00 | 12/2/2009 12:39:51 PM |
| goodhearted-basis4 | $25.00 | $25.00 | 12/2/2009 1:36:48 PM |
| wealth-comet694 | $25.00 | $14.73 | 12/2/2009 1:44:16 PM |
| nickel-pipeline | $25.00 | $25.00 | 12/2/2009 1:52:58 PM |
| 31 bids
|
Borrower Payment Dependent Notes Series
435509
This series of Notes was issued and sold upon the funding of the borrower loan #39900, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-04-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 14.20% - 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:
| Jun-2002 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 600-619 (Nov-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 38 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,932 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 1/ 1 |
Bankcard utilization:
| 96% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| ChrissyQ5 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 8 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $9,500.00 | < mo. late:
| 0
( 0% )
| 720-739
(Apr-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Paying off Medical Bills and School
Purpose of loan: This loan will be used to?pay off medical bills to reduce monthly payments and bridge the gap before I can get financial aid for school. This will be my second Prosper loan, the first one was paid off early and each?payment was on time. I am?also a?Prosper lender, and love the entire concept.?I had my gallbladder removed in April of this year, and my insurance only covered 80% of the procedure. I?had?to stay over night because the anesthesia made me sick to my stomach. I am going to use this loan to finish paying the hospital, doctor, and anesthesiologist. I currently pay $50 a month to each of them, so this monthly payment will be lower and help free up some cash to save (so hopefully I can just pay in full if this happens again). The other part of the loan will be used to pay my tuition for one class. I was taking classes last year right after my baby was born in August. Being a first time mom, I didn't realize how taxing the schedule would be. I ended up dropping on of the classes. So I only completed 60% of the credit hours I had registered for, while my school requires you to complete 67% in order to be eligible for loans and financial aid.?
My financial situation: I am a good candidate for this loan because? I am a very responsible person, and I know how to live before my means in order to pay my bills. I never pay late, and paid my previous Prosper loan in full early.??
Monthly net income: Me = $1500 (full-time job) + Husband = $2000 (full-time job) = $3500
Monthly expenses:?(Both of our bills)?$3,110 (with medical bills) $2,960 (after loan is used to pay off medical bills)
Housing: $975??
Insurance: $250??
Car expenses: $300 (gas, maintenance) + $235 (one car payment,?other car free and clear) = $535???
Utilities: $150???
Phone, cable, internet: $200???
Food, entertainment: $450????
Clothing, household expenses $200???
Credit cards and other loans: $100?(2 credit cards @ $50 each)???
Other expenses:?Medical Bills (3) $150. Allergy shots 1 per week @ $25 co-pay each = $100
*The 3 delinquencies are 3 credit cards I used to have?in the beginning of 2009. We were rear ended by a little old lady who shouldn't have been driving, while we were stopped at a light. She totaled my car, forcing us to take on a car payment we could not afford at the time. I had just depleted my savings to purchase the car that was totaled a few months prior. We did not have full coverage on the vehicle, a situation that has been remedied this time around. This led to the public record, where I filed for bankruptcy right before my surgery in April. I did not do it willingly, but my lawyer recommended it as our best option.?My husband and I?tried to get part-time jobs without success.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| flexible-economy2 | $150.00 | $150.00 | 11/30/2009 10:46:11 AM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 1:17:10 PM |
| efficient-principal | $100.00 | $100.00 | 11/30/2009 4:12:11 PM |
| beezling | $250.00 | $250.00 | 11/30/2009 4:24:07 PM |
| Bob450 | $25.00 | $25.00 | 12/1/2009 7:59:25 AM |
| double22 | $50.00 | $50.00 | 12/1/2009 1:08:31 PM |
| noble-revenue | $25.00 | $25.00 | 12/1/2009 4:39:11 PM |
| TheAlchemist | $25.00 | $25.00 | 12/1/2009 6:20:27 PM |
| unk1911 | $25.00 | $25.00 | 12/2/2009 2:49:25 PM |
| honorable-yield | $25.00 | $25.00 | 12/3/2009 7:18:20 AM |
| reciprocate | $100.00 | $100.00 | 12/3/2009 9:41:25 AM |
| currency-bumblebee | $25.00 | $25.00 | 12/3/2009 10:40:52 AM |
| thenadamgoes | $25.00 | $25.00 | 12/3/2009 10:47:10 AM |
| Tuss12 | $100.00 | $100.00 | 12/3/2009 3:00:19 PM |
| Lubava | $25.00 | $19.27 | 12/3/2009 6:15:12 PM |
| brother_tam | $200.00 | $200.00 | 12/3/2009 8:44:27 PM |
| linda78 | $25.00 | $25.00 | 12/3/2009 9:39:32 PM |
| pmj453 | $25.00 | $25.00 | 12/4/2009 5:45:37 AM |
| frugalinvestor20 | $25.00 | $25.00 | 11/30/2009 10:47:48 AM |
| Jasmel | $200.00 | $200.00 | 11/30/2009 8:25:20 PM |
| heerzaquestion | $25.00 | $25.00 | 12/1/2009 9:37:08 AM |
| supreme-justice3 | $100.00 | $100.00 | 12/1/2009 3:46:08 PM |
| penny-sergeant | $25.00 | $25.00 | 12/2/2009 9:54:11 AM |
| JSCharter | $75.00 | $75.00 | 12/2/2009 10:28:51 AM |
| reliable-vigilance | $35.00 | $35.00 | 12/2/2009 3:58:48 PM |
| sweety075 | $25.00 | $25.00 | 12/2/2009 9:14:14 PM |
| ihelpunow | $100.00 | $100.00 | 12/3/2009 9:57:57 AM |
| DasMula | $25.00 | $25.00 | 12/3/2009 11:01:17 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/3/2009 1:48:33 PM |
| penny-surgeon | $25.00 | $25.00 | 12/3/2009 1:58:21 PM |
| professional-finance | $25.00 | $25.00 | 12/3/2009 2:28:07 PM |
| kevlar | $45.73 | $45.73 | 12/3/2009 10:32:00 PM |
| bondhedger | $25.00 | $25.00 | 12/4/2009 5:52:19 AM |
| 33 bids
|
Borrower Payment Dependent Notes Series
435891
This series of Notes was issued and sold upon the funding of the borrower loan #39871, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,400.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 9.94% |
Starting borrower rate/APR:
| 10.94% / 13.47% |
Starting monthly payment:
| $45.79 |
|
Final lender yield:
| 9.25% |
Final borrower rate/APR:
| 10.25% / 12.77% |
Final monthly payment:
| $45.34 |
| |
|
Auction yield range:
| 4.20% - 9.94% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Apr-2007 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Nov-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 7 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $52 |
Occupation: | Student - College F... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| dcshobby |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 0 ( 0% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 700-719
(Oct-2009)
700-719
(Aug-2009)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 0 | | |
Description
Help pay for college and snowmobile
Purpose of loan:
This loan will be used to help purchase things for me to go off to
College. I am accepted and will be attending St. Olaf College in
Northfield, MN this fall 2009. This is a very good school and I
absolutely love it there. I will use the money to pay off my second semester tuition as well as pay off a 2003 Polaris snowmobile I just purchased.
I currently have a credit score of 765 from
TransUnion as well as have a pretty decent credit history for only
being 18 years old. I have always been wise with my money and I have
over $20,000 saved up in my bank but I am just using this loan to
experiment with Prosper as well as build my credit score even higher. As you can see, I already took out and paid off my first $2,000 prosper loan in less than a month after receiving the funds.
Please feel free to ask me any questions that you want to. Thanks for
considering my loan!
P.S. I also see that Prosper put me at
level "A" for credit rating. They show me at 700-720 for a credit
rating but because of my short credit history, I have a lower rating.
Also, you will see that I have 0 delinquencies and I rarely use my 4
credit cards and when I do, I pay them off right away. Although I am at
a "A" rating, I promise you that I will perform at an "AA" level in
paying off this loan. I am planning on paying off the loan a little
early as well. Thanks!
Monthly net income: $3,000
Monthly expenses: $
??Housing: $
0
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $
40
??Clothing, household expenses $
0
??Credit cards and other loans: $
0
??Other expenses: $
0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you explain where the income is coming from if you are a FT college student?
Thanks. - lavb23
A:
My income varies from $2,000 to $3,000 a month based on my returns on affiliate based referrals which is income that is consistent every month. I also make about 10% a month from my stock portfolio. This is a very small loan and $45 a month will be very easy to pay. I also have a job on campus that brings in about $350 a month as well. Thanks for the question!
(Dec-01-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CCIExpress | $25.00 | $25.00 | 12/4/2009 5:47:20 AM |
| dostrust | $25.00 | $25.00 | 12/5/2009 1:44:59 PM |
| cwegert | $100.00 | $100.00 | 12/7/2009 8:36:15 AM |
| bill-expert | $200.00 | $200.00 | 12/7/2009 9:49:55 AM |
| generous-deal6 | $25.00 | $25.00 | 12/7/2009 11:27:02 AM |
| jasunshine | $25.00 | $25.00 | 12/7/2009 11:42:55 AM |
| brightest-useful-social | $50.00 | $50.00 | 12/7/2009 12:51:24 PM |
| TheSpottedFlamingo | $25.00 | $25.00 | 12/7/2009 12:59:48 PM |
| wild-orange | $25.00 | $25.00 | 12/7/2009 1:03:59 PM |
| MacBrandon | $25.00 | $25.00 | 12/7/2009 1:30:15 PM |
| jybank | $25.00 | $25.00 | 12/7/2009 2:22:34 PM |
| elegant-bonus | $25.00 | $25.00 | 12/7/2009 2:23:24 PM |
| Gaelicman | $75.00 | $71.17 | 12/7/2009 12:50:41 PM |
| skaught | $25.00 | $25.00 | 12/7/2009 2:22:12 PM |
| blue-receptive-affluence | $25.00 | $25.00 | 12/1/2009 5:45:26 PM |
| cwegert | $324.83 | $324.83 | 12/6/2009 6:15:41 PM |
| Chewbaca | $25.00 | $25.00 | 12/7/2009 10:34:01 AM |
| Leshan | $100.00 | $100.00 | 12/7/2009 10:23:03 AM |
| Lender95466 | $25.00 | $25.00 | 12/7/2009 10:34:17 AM |
| nickel-pipeline | $29.00 | $29.00 | 12/7/2009 12:24:40 PM |
| BankofBadHabits | $25.00 | $25.00 | 12/7/2009 11:29:58 AM |
| the-silver-blaster | $75.00 | $75.00 | 12/7/2009 12:13:06 PM |
| interloode | $50.00 | $50.00 | 12/7/2009 2:12:16 PM |
| rockhound84 | $25.00 | $25.00 | 12/7/2009 12:41:08 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 12/7/2009 12:56:19 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
435993
This series of Notes was issued and sold upon the funding of the borrower loan #39874, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Dec-01-2009 |
| |
Auction end date:
| Dec-08-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 14.20% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Nov-1985 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 600-619 (Nov-2009) |
Current / open credit lines:
| 13
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 6y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $26,543 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 96% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| ognom |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 620-639
(Jun-2008)
|
|
Principal balance:
| $1,633.99 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Pay Property Tax
Purpose of loan: Pay property tax
This loan will be used to?Pay off my overdue property tax
My financial situation:A couple unexpected bills have caused me to need some temporary help.
I am a good candidate for this loan because? I feel I am a low risk. I have an excellent history with Prosper.
Monthly net income: $ 7200
Monthly expenses: $ 3000
??Housing: $900
??Insurance: $120
??Car expenses: $350
??Utilities: $300
??Phone, cable, internet: $300
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $500
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $50.00 | $50.00 | 12/1/2009 4:22:10 PM |
| flexible-economy2 | $200.00 | $200.00 | 12/1/2009 4:28:30 PM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 4:36:51 PM |
| Eloise62 | $75.00 | $75.00 | 12/3/2009 9:54:12 AM |
| efficient-principal | $100.00 | $100.00 | 12/3/2009 10:11:06 AM |
| building_community | $25.00 | $25.00 | 12/3/2009 10:20:23 AM |
| jpf27 | $100.00 | $100.00 | 12/3/2009 10:03:22 AM |
| beezling | $100.00 | $100.00 | 12/4/2009 12:26:52 PM |
| noble-revenue | $25.00 | $25.00 | 12/7/2009 10:03:05 AM |
| GlenBank | $75.00 | $75.00 | 12/7/2009 1:35:28 PM |
| cashhelp | $25.00 | $25.00 | 12/7/2009 1:44:36 PM |
| double22 | $50.00 | $50.00 | 12/7/2009 3:34:34 PM |
| weezy22 | $27.00 | $27.00 | 12/7/2009 5:20:01 PM |
| Kash2010lu | $35.00 | $35.00 | 12/7/2009 6:10:45 PM |
| reflective-rupee | $25.00 | $25.00 | 12/7/2009 9:05:59 PM |
| reflective-rupee | $25.00 | $25.00 | 12/7/2009 9:06:11 PM |
| reflective-rupee | $25.00 | $25.00 | 12/7/2009 9:06:23 PM |
| reflective-rupee | $25.00 | $25.00 | 12/7/2009 9:07:28 PM |
| EEasyMoney | $25.00 | $25.00 | 12/7/2009 9:18:25 PM |
| reflective-rupee | $25.00 | $25.00 | 12/7/2009 9:07:02 PM |
| reflective-rupee | $25.00 | $25.00 | 12/7/2009 9:07:39 PM |
| penny-surgeon | $25.00 | $25.00 | 12/7/2009 11:38:26 PM |
| bondhedger | $25.00 | $25.00 | 12/8/2009 5:07:05 AM |
| value-crusader5 | $25.00 | $25.00 | 12/8/2009 5:09:19 AM |
| Bob450 | $25.00 | $25.00 | 12/1/2009 9:43:30 PM |
| shawnw2 | $50.00 | $50.00 | 12/3/2009 11:59:55 AM |
| SolarMoonshine | $25.00 | $25.00 | 12/3/2009 6:07:48 PM |
| vest_vortex | $25.00 | $25.00 | 12/4/2009 4:53:15 PM |
| Bob450 | $75.00 | $75.00 | 12/7/2009 11:13:59 AM |
| Marfloogan | $25.00 | $25.00 | 12/7/2009 1:06:40 PM |
| reliable-vigilance | $35.00 | $35.00 | 12/7/2009 4:13:01 PM |
| Unitas4302 | $300.00 | $300.00 | 12/7/2009 4:58:29 PM |
| 113121 | $25.00 | $25.00 | 12/7/2009 4:56:28 PM |
| nickel-mad-scientist | $25.00 | $25.00 | 12/7/2009 6:07:37 PM |
| willhelppeps | $25.75 | $25.75 | 12/7/2009 7:23:16 PM |
| reflective-rupee | $25.00 | $25.00 | 12/7/2009 9:05:50 PM |
| icess285 | $25.00 | $25.00 | 12/7/2009 8:58:07 PM |
| orange-pound-party | $25.00 | $25.00 | 12/7/2009 9:06:02 PM |
| reflective-rupee | $25.00 | $25.00 | 12/7/2009 9:07:15 PM |
| quickstep | $80.00 | $3.25 | 12/8/2009 3:23:16 AM |
| Credit2Prosper | $49.00 | $49.00 | 12/8/2009 5:01:07 AM |
| nala2821 | $25.00 | $25.00 | 12/8/2009 5:37:18 AM |
| Snoopylover | $25.00 | $25.00 | 12/8/2009 6:02:04 AM |
| 43 bids
|
Borrower Payment Dependent Notes Series
436997
This series of Notes was issued and sold upon the funding of the borrower loan #39827, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Dec-07-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 29.14% |
Starting borrower rate/APR:
| 30.14% / 33.48% |
Starting monthly payment:
| $51.03 |
|
Final lender yield:
| 29.00% |
Final borrower rate/APR:
| 30.00% / 33.33% |
Final monthly payment:
| $50.94 |
| |
|
Auction yield range:
| 11.20% - 29.14% |
Estimated loss impact:
| 10.73% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.27% | | |
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:
| Apr-1997 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 640-659 (Dec-2009) |
Current / open credit lines:
| 14
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,840 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 97% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| dave1016249 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 640-659
(Nov-2009)
600-619
(Jun-2008)
|
|
Principal balance:
| $2,966.55 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
pay off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards
My financial situation:
I am a good candidate for this loan because? i pay my bills in a timely manor and have a steady work history as you can see i have a loan already witch is in good standing i wasn't sure how?prosper worked when i took that loan so i didnt take as?much as i needed but after seeing how much it has helped im ready to pay off some more?
Monthly net income: $
2800
Monthly expenses: $
??Housing: $ 669
??Insurance: $?80
??Car expenses: $ 80
??Utilities: $?100
??Phone, cable, internet: $ 60
??Food, entertainment: $150
??Clothing, household expenses $ 100????
??Credit cards and other loans: $ 400????
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Unitas4302 | $300.00 | $300.00 | 12/7/2009 4:44:41 PM |
| flexible-economy2 | $200.00 | $200.00 | 12/7/2009 4:45:45 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/7/2009 6:20:51 PM |
| periko | $50.00 | $50.00 | 12/7/2009 6:45:02 PM |
| bobd32 | $25.00 | $25.00 | 12/7/2009 6:22:03 PM |
| CashFlow13 | $500.00 | $250.00 | 12/7/2009 9:11:57 PM |
| Bob450 | $25.00 | $25.00 | 12/7/2009 8:47:09 PM |
| forthright-dedication | $25.00 | $25.00 | 12/7/2009 8:55:35 PM |
| fortytwo | $200.00 | $200.00 | 12/7/2009 5:41:51 PM |
| Ven58 | $25.00 | $25.00 | 12/7/2009 5:45:02 PM |
| investment-forte | $50.00 | $50.00 | 12/7/2009 8:11:39 PM |
| 1traveler | $25.00 | $25.00 | 12/7/2009 7:04:29 PM |
| 12 bids
|