Sales Report:Supplement No. 101 dated Dec 18, 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
433705
This series of Notes was issued and sold upon the funding of the borrower loan #39992, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction start date:
| Dec-07-2009 |
|
Auction end date:
| Dec-14-2009 |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
Final lender yield:
| 24.00% |
Final borrower rate/APR:
| 25.00% / 27.57% |
Final monthly payment:
| $59.64 |
|
Auction yield range:
| 14.20% - 34.00% |
Estimated loss impact:
| 15.08% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.92% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 20% |
Credit score:
| 660-679 (Nov-2009) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 2y 6m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,610 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 87% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 6 | | | | |
Screen name:
| lender1980x |
Borrower's state:
| Missouri |
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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate some my existing unsecured loans into lower interest rates.
My financial situation:
I am a good candidate for this loan because I always pay my debts. Bankruptcy or late payments are not an option for me and that is reflected in my credit score.?I take pride in making my payments in full. I am a current prosper member and lender so I know the feeling of delinquent borrowers not paying. I have a good job with a good salary. I purchased a home over a year ago and had some unsecured debt build up as a result. I would like to eliminate this debt and contribute to the prosper community while doing so. My credit score is lower than it should be because of these existing unsecured debts and the recent purchase of my own. Please consider the fact that I havent had any late payments for the better part of a decade!
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) |
|
peb44 | $25.00 | $25.00 | 12/9/2009 1:09:47 PM |
BDS | $25.00 | $25.00 | 12/10/2009 5:26:06 PM |
golffish2 | $50.00 | $50.00 | 12/11/2009 6:06:36 AM |
impartial-deal | $25.00 | $25.00 | 12/11/2009 11:30:57 AM |
JMight | $69.01 | $69.01 | 12/12/2009 6:32:50 AM |
jchurchi | $25.00 | $25.00 | 12/11/2009 8:25:16 PM |
Firescreek | $25.00 | $25.00 | 12/13/2009 4:53:38 PM |
guardian3 | $25.00 | $25.00 | 12/13/2009 11:51:48 AM |
Snoopylover | $25.00 | $25.00 | 12/14/2009 6:26:06 AM |
PotBellyPete | $75.00 | $75.00 | 12/14/2009 7:33:02 AM |
fatboy888 | $25.00 | $25.00 | 12/14/2009 5:44:50 AM |
Graven33 | $26.50 | $26.50 | 12/14/2009 12:22:08 AM |
PCity-LOA15 | $25.00 | $25.00 | 12/14/2009 9:55:22 AM |
nala2821 | $25.00 | $25.00 | 12/14/2009 8:11:53 AM |
Kyileo | $25.00 | $25.00 | 12/14/2009 11:12:21 AM |
yerkster1 | $25.00 | $25.00 | 12/14/2009 2:37:16 PM |
CaliforniaSun | $25.00 | $25.00 | 12/14/2009 2:01:05 PM |
roadster199 | $25.00 | $25.00 | 12/14/2009 2:23:08 PM |
DasMula | $100.00 | $100.00 | 12/14/2009 4:10:54 PM |
kinetic-social | $25.00 | $25.00 | 12/14/2009 4:12:47 PM |
Engineer44 | $25.00 | $25.00 | 12/14/2009 4:28:59 PM |
ayiticheri | $25.00 | $25.00 | 12/12/2009 3:09:28 AM |
upbeat-marketplace | $25.00 | $25.00 | 12/13/2009 9:44:58 AM |
autonomous-power | $50.00 | $50.00 | 12/13/2009 4:58:01 AM |
maccpro1 | $50.00 | $50.00 | 12/13/2009 1:36:26 PM |
wealth-safehouse9 | $25.00 | $25.00 | 12/13/2009 4:46:21 PM |
KaChingInvestments | $28.19 | $28.19 | 12/14/2009 5:45:04 AM |
SolarMoonshine | $50.00 | $27.30 | 12/13/2009 5:44:48 PM |
geauxtigers29 | $50.00 | $50.00 | 12/14/2009 7:26:49 AM |
lender12345 | $25.00 | $25.00 | 12/13/2009 7:07:47 PM |
sorace | $44.00 | $44.00 | 12/14/2009 5:17:25 AM |
carrinel | $75.00 | $75.00 | 12/14/2009 7:42:51 AM |
bizguy1982 | $25.00 | $25.00 | 12/14/2009 9:43:28 AM |
Astyanax | $25.00 | $25.00 | 12/14/2009 1:21:51 PM |
TakeCare | $100.00 | $100.00 | 12/14/2009 1:42:43 PM |
Feyenoord | $25.00 | $25.00 | 12/14/2009 12:01:33 PM |
whiterabbit1874 | $25.00 | $25.00 | 12/14/2009 1:29:25 PM |
quest0 | $25.00 | $25.00 | 12/14/2009 3:35:04 PM |
Tahoeman | $25.00 | $25.00 | 12/14/2009 3:42:46 PM |
jcw3rd | $25.00 | $25.00 | 12/14/2009 1:50:59 PM |
aloantime07 | $25.00 | $25.00 | 12/14/2009 3:27:17 PM |
Kissabledevil | $25.00 | $25.00 | 12/14/2009 3:43:40 PM |
the-silver-blaster | $30.00 | $30.00 | 12/14/2009 4:12:49 PM |
43 bids
|
Borrower Payment Dependent Notes Series
436469
This series of Notes was issued and sold upon the funding of the borrower loan #40021, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-03-2009 |
|
Auction end date:
| Dec-10-2009 |
|
Starting lender yield:
| 9.94% |
Starting borrower rate/APR:
| 10.94% / 14.52% |
Starting monthly payment:
| $32.71 |
Final lender yield:
| 9.00% |
Final borrower rate/APR:
| 10.00% / 13.56% |
Final monthly payment:
| $32.27 |
|
Auction yield range:
| 4.20% - 9.94% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| 9% |
Credit score:
| 700-719 (Dec-2009) |
Current / open credit lines:
| 7
/
5 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 2y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,399 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 99% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| pragmatic-exchange |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating in 2010
Purpose of loan:
This loan will be used to? Pay off credit cards that accumulated so my wife could become a stay at home Mom.
My financial situation:
I am a good candidate for this loan because?I have rock solid employment for the last 11 years.?
Monthly net income: $ 3500.00
Monthly expenses: $
??Housing: $ 1400.00
??Insurance: $ minimal?cost since?obtained through employer benefits
??Car expenses: $ 205.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
availableloan | $25.00 | $25.00 | 12/3/2009 5:18:52 PM |
dontscrewmeover1 | $50.00 | $50.00 | 12/5/2009 6:00:17 PM |
oldscratch72 | $25.00 | $25.00 | 12/7/2009 9:37:08 PM |
tenacious-payout | $25.00 | $25.00 | 12/7/2009 8:33:05 PM |
dime-force | $25.00 | $25.00 | 12/8/2009 1:34:56 PM |
outofoffice | $50.00 | $50.00 | 12/8/2009 7:00:55 PM |
Tizzo27 | $110.68 | $110.68 | 12/8/2009 7:58:08 PM |
marala4285 | $25.00 | $25.00 | 12/9/2009 7:36:39 AM |
market-jam | $100.00 | $4.32 | 12/9/2009 9:25:35 AM |
gpuck | $25.00 | $25.00 | 12/9/2009 4:30:38 PM |
jayk63 | $25.00 | $25.00 | 12/9/2009 5:33:27 PM |
letsbank | $25.00 | $25.00 | 12/9/2009 7:37:29 PM |
the-profit-oracle | $25.00 | $25.00 | 12/10/2009 7:29:04 AM |
Leshan | $50.00 | $50.00 | 12/10/2009 7:35:55 AM |
porwestco | $25.00 | $25.00 | 12/10/2009 10:12:37 AM |
Bill88 | $50.00 | $50.00 | 12/10/2009 12:44:52 PM |
bluefinch | $25.00 | $25.00 | 12/10/2009 2:25:47 PM |
Astyanax | $25.00 | $25.00 | 12/10/2009 3:25:24 PM |
Sven79 | $100.00 | $100.00 | 12/10/2009 4:19:41 PM |
kinetic-social | $25.00 | $25.00 | 12/10/2009 4:46:55 PM |
Syzygy | $25.00 | $25.00 | 12/4/2009 12:04:09 AM |
cash-spinner | $75.00 | $75.00 | 12/7/2009 1:40:15 PM |
oldman68 | $25.00 | $25.00 | 12/9/2009 11:58:45 PM |
fatboy888 | $25.00 | $25.00 | 12/10/2009 5:42:01 AM |
PotBellyPete | $35.00 | $35.00 | 12/10/2009 7:57:42 AM |
jybank | $25.00 | $25.00 | 12/10/2009 9:22:10 AM |
wild-orange | $25.00 | $25.00 | 12/10/2009 11:31:51 AM |
khamen | $25.00 | $25.00 | 12/10/2009 3:43:46 PM |
28 bids
|
Borrower Payment Dependent Notes Series
436485
This series of Notes was issued and sold upon the funding of the borrower loan #40018, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,750.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Dec-11-2009 |
|
Auction end date:
| Dec-16-2009 |
|
Starting lender yield:
| 23.70% |
Starting borrower rate/APR:
| 24.70% / 27.00% |
Starting monthly payment:
| $69.30 |
Final lender yield:
| 20.75% |
Final borrower rate/APR:
| 21.75% / 24.01% |
Final monthly payment:
| $66.61 |
|
Auction yield range:
| 8.20% - 23.70% |
Estimated loss impact:
| 6.99% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.76% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 31% |
Credit score:
| 680-699 (Dec-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 14 | Length of status: | 16y 2m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $25,132 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| alvinstne |
Borrower's state:
| WestVirginia |
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:
| 19 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 700-719
(Apr-2008)
|
Principal balance:
| $1,288.96 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Payoff high interest credit cards
Purpose of loan:???????????????
This loan will be used ?.To pay off?one high APR?credit card .
My financial situation:
I am a good candidate for this loan because I?have never been late or delinquent in the 17yrs of my credit history. I have an existing?Prosper loan that is deducted automatically, as this loan will be also. I have a good work ethic along with a stable secure job and excellant benefits with my employer of 16 yrs.I share household expenses with my mother as indicated by my monthly expenses. I do recognize that my DTI and Bank Card Utilization are high, this was partly?due to a family financial crisis that occured that I have managed to get thru without any negatives to my credit history..My financial goal is to reduce my debt by paying off or down all of my?credit balances beginning with the highest APR'S,?applying all of my?discretionary income to do so until my?DTI and credit score improve significantly. As my?finances improve I too will invest in Prosper Members as you have invested in me. Thank You Prosper Members for all of your support. HAPPY HOLIDAYS TO ALL OF YOUR FAMILIES
Monthly net income: $ 2,981.00
Monthly expenses: $ 1,475.00
??Housing: $ 250
??Insurance: $?40
??Car expenses:?$?I own my car
??Utilities: $ 125
??Phone, cable, internet: $45
??Food, entertainment: $125
??Clothing, household expenses $?100
??Credit cards and other loans: $ 750
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Given that your monthly income exceeds your monthly expenses by about the amount of this Prosper loan, why do you need this Prosper loan? You seem to have adequate free cash flow to pay down your debt already. thanks - reflective-rupee
A:
I need this loan to pay off my highest APR card with a balance of $1672 @30.99,while using my remaining cash flow to agressively pay off and down my highest APR card balances systematically, until there is a marked reduction in my DTI . card utilization and improvement in my credit score . Thank You for your question and your bid consideration in getting my debt elimination process started.
(Dec-12-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
five-star-note | $45.00 | $45.00 | 12/11/2009 3:05:44 PM |
kginatl | $29.42 | $29.42 | 12/11/2009 3:13:29 PM |
zento | $25.00 | $25.00 | 12/11/2009 5:40:47 PM |
foofiter | $50.00 | $50.00 | 12/12/2009 10:51:09 AM |
FinDoc | $25.00 | $25.00 | 12/13/2009 6:57:07 AM |
drkosh | $25.00 | $25.00 | 12/13/2009 9:23:51 AM |
building_community | $25.00 | $25.00 | 12/13/2009 7:16:58 PM |
Bank_Of_XL | $25.00 | $25.00 | 12/14/2009 8:51:47 AM |
a-finance-nirvana | $100.00 | $100.00 | 12/14/2009 3:24:46 PM |
Myrick | $25.00 | $25.00 | 12/14/2009 6:31:53 PM |
TigerForce | $25.00 | $25.00 | 12/14/2009 5:27:58 PM |
golffish2 | $50.00 | $50.00 | 12/15/2009 5:53:34 AM |
KaChingInvestments | $25.00 | $25.00 | 12/15/2009 5:30:27 AM |
stuy1998 | $30.00 | $30.00 | 12/15/2009 8:44:53 AM |
bondhedger | $25.00 | $25.00 | 12/15/2009 2:51:18 PM |
Sol_Invictus | $25.00 | $25.00 | 12/15/2009 12:26:21 PM |
Syzygy | $25.00 | $25.00 | 12/15/2009 2:46:07 PM |
jelly1126 | $50.00 | $50.00 | 12/15/2009 5:07:27 PM |
lender12345 | $25.00 | $25.00 | 12/15/2009 6:20:40 PM |
unger | $100.00 | $29.58 | 12/16/2009 8:04:02 AM |
amor1962 | $25.00 | $25.00 | 12/16/2009 12:30:42 PM |
the-profit-oracle | $25.00 | $25.00 | 12/11/2009 9:13:43 PM |
CA_Lender | $25.00 | $25.00 | 12/11/2009 9:41:17 PM |
SolarMoonshine | $25.00 | $25.00 | 12/12/2009 8:34:03 AM |
felicity-daydream | $50.00 | $50.00 | 12/12/2009 1:05:19 PM |
tracyjo | $25.00 | $25.00 | 12/12/2009 3:41:26 PM |
hellasow | $30.00 | $30.00 | 12/13/2009 7:47:02 AM |
Tomco | $25.00 | $25.00 | 12/13/2009 7:17:16 PM |
SFBank | $200.00 | $200.00 | 12/13/2009 7:10:19 PM |
tnjohnso | $25.00 | $25.00 | 12/13/2009 10:47:43 PM |
Top_Gun_Lender | $36.00 | $36.00 | 12/14/2009 8:59:45 AM |
ONECENTATATIME | $50.00 | $50.00 | 12/14/2009 1:52:30 PM |
bsmtloan | $75.00 | $75.00 | 12/14/2009 6:33:02 PM |
FinanceEngine | $25.00 | $25.00 | 12/15/2009 3:35:11 PM |
vivacious-p2p3 | $25.00 | $25.00 | 12/15/2009 12:59:31 PM |
GOPHERBOY | $50.00 | $50.00 | 12/15/2009 3:04:27 PM |
impartial-deal | $25.00 | $25.00 | 12/15/2009 4:27:50 PM |
gothampark | $25.00 | $25.00 | 12/15/2009 6:22:38 PM |
Bob450 | $50.00 | $50.00 | 12/16/2009 12:11:32 PM |
sharp-credit | $250.00 | $250.00 | 12/16/2009 3:23:48 PM |
40 bids
|
Borrower Payment Dependent Notes Series
436529
This series of Notes was issued and sold upon the funding of the borrower loan #39986, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-03-2009 |
|
Auction end date:
| Dec-10-2009 |
|
Starting lender yield:
| 9.94% |
Starting borrower rate/APR:
| 10.94% / 14.52% |
Starting monthly payment:
| $32.71 |
Final lender yield:
| 8.69% |
Final borrower rate/APR:
| 9.69% / 13.25% |
Final monthly payment:
| $32.12 |
|
Auction yield range:
| 4.20% - 9.94% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.57% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 10 |
First credit line:
| Jan-1987 |
Debt/Income ratio:
| 31% |
Credit score:
| 700-719 (Nov-2009) |
Current / open credit lines:
| 18
/
15 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 57 | Length of status: | 6y 6m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $58,307 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 73% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| wealth-javelin |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Before the interest accrues
Purpose of loan:
Need to pay off a 0% promotional balance before accrued interest at 22.99% is charged
My financial situation:
I have high debt level of the last few years with the cheap credit and also had some major expenses this last year.? Put off paying this down for roof replacement, found termites and?treated along with an AC unit going out.? Never late on my payments.? Been at my current employer for over 7 years (survived being aquired twice) so a stable work environment.
Monthly net income: $ 4224.00
Monthly expenses: $
??Housing: $ 630.00
??Insurance: $?Included in the house escrow payment
??Car expenses: $ 215.00 with June 2010?payoff
??Utilities: $ 150.00 water/electric/garbage
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 2700.00?
??Other expenses: $ Rest of monthly income to incidentals or tacked on to debt payments
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:
Best wishes on your bidding; could you please detail your CC and % rate and which acct u will be paying? Your expenses shows that u don't have much room for additional expenses (only $29); please explain how this 1000 will help your cash flow? - Nasdaq
A:
Ah I see. When I put the listing in I pulled each of those numbers from a budget spreadsheet. My house payment and car payment is listed in with the credit cards and other loans amount.
Below is a listing of my debt and the payments required. I'm not really looking for this to increase my cash flow, I'm more concerned with reducing the amount of debt I have.
480 BofA
100 BofA
250 BofA
50 BofA
50 Chase
75 Chase
225 Chase
50 Chevron
50 Dell
200 Lowes
100 Simmons
225 Wells
(Dec-09-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
hellasow | $30.00 | $30.00 | 12/6/2009 11:35:29 AM |
BHP12345 | $25.00 | $25.00 | 12/8/2009 7:57:30 PM |
zoink | $50.00 | $50.00 | 12/9/2009 10:43:18 AM |
JDLanier | $25.00 | $25.00 | 12/9/2009 12:03:41 PM |
2seriousteachers | $25.00 | $25.00 | 12/9/2009 4:31:17 PM |
outofoffice | $50.00 | $50.00 | 12/9/2009 8:38:46 PM |
oldman68 | $25.00 | $25.00 | 12/10/2009 12:08:06 AM |
Kelor99 | $25.00 | $25.00 | 12/10/2009 9:19:14 AM |
UCSBGAUCHOS | $27.50 | $27.50 | 12/10/2009 9:29:48 AM |
Leshan | $50.00 | $50.00 | 12/10/2009 7:37:45 AM |
SuperDoucheBag | $25.00 | $25.00 | 12/10/2009 2:52:36 PM |
Sven79 | $100.00 | $100.00 | 12/10/2009 4:19:59 PM |
unrhrsd | $25.00 | $25.00 | 12/10/2009 4:09:01 PM |
DenimCapital | $25.00 | $17.50 | 12/10/2009 4:49:44 PM |
coloradocash | $50.00 | $50.00 | 12/6/2009 8:19:53 PM |
methodical-loot | $25.00 | $25.00 | 12/7/2009 9:36:11 AM |
note-guard | $25.00 | $25.00 | 12/8/2009 8:17:59 PM |
suburbanman64 | $50.00 | $50.00 | 12/9/2009 2:19:45 AM |
dudebrah | $25.00 | $25.00 | 12/9/2009 1:45:44 PM |
gpuck | $25.00 | $25.00 | 12/9/2009 4:31:59 PM |
bossyboots01 | $25.00 | $25.00 | 12/10/2009 5:08:51 AM |
jybank | $50.00 | $50.00 | 12/10/2009 9:24:08 AM |
wild-orange | $25.00 | $25.00 | 12/10/2009 11:33:02 AM |
MrLeft | $100.00 | $100.00 | 12/10/2009 12:05:49 PM |
the-profit-oracle | $25.00 | $25.00 | 12/10/2009 3:13:17 PM |
Nasdaq | $50.00 | $50.00 | 12/10/2009 4:40:39 PM |
kinetic-social | $25.00 | $25.00 | 12/10/2009 4:47:48 PM |
27 bids
|
Borrower Payment Dependent Notes Series
436543
This series of Notes was issued and sold upon the funding of the borrower loan #39983, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Dec-03-2009 |
|
Auction end date:
| Dec-10-2009 |
|
Starting lender yield:
| 6.86% |
Starting borrower rate/APR:
| 8.86% / 9.20% |
Starting monthly payment:
| $47.60 |
Final lender yield:
| 6.15% |
Final borrower rate/APR:
| 8.15% / 8.49% |
Final monthly payment:
| $47.11 |
|
Auction yield range:
| 3.20% - 6.86% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 10 |
First credit line:
| Feb-1991 |
Debt/Income ratio:
| 18% |
Credit score:
| 780-799 (Dec-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 6 | Length of status: | 16y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,397 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 4% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| red-deal-gazer |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
medical bills
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
F_r_e_d_s__B_a_n_k | $100.00 | $100.00 | 12/3/2009 5:30:44 PM |
LoansomeRanger | $25.00 | $25.00 | 12/3/2009 8:38:18 PM |
helping-out | $25.00 | $25.00 | 12/3/2009 8:39:24 PM |
JohnGalt94 | $25.00 | $25.00 | 12/3/2009 9:02:57 PM |
a-resplendent-commitment | $25.00 | $25.00 | 12/3/2009 10:00:12 PM |
PrimeTimeGadgets | $25.00 | $25.00 | 12/3/2009 9:00:52 PM |
gold-commander0 | $50.00 | $50.00 | 12/3/2009 10:39:19 PM |
QuinMccoy | $25.00 | $25.00 | 12/4/2009 4:57:42 AM |
springpanda | $25.00 | $25.00 | 12/5/2009 4:08:35 PM |
octoberfresh | $25.00 | $25.00 | 12/6/2009 6:45:10 AM |
dontscrewmeover1 | $100.00 | $100.00 | 12/6/2009 4:20:20 PM |
Pickmar | $25.00 | $25.00 | 12/7/2009 12:59:01 PM |
market-jam | $100.00 | $100.00 | 12/7/2009 5:44:58 PM |
wwwUniversal | $25.00 | $25.00 | 12/9/2009 6:34:23 PM |
orbital-gain | $50.00 | $50.00 | 12/10/2009 10:16:28 AM |
IceFisherman | $30.37 | $30.37 | 12/10/2009 12:36:57 PM |
wild-orange | $25.00 | $25.00 | 12/10/2009 11:35:18 AM |
MoneyForNothing | $25.00 | $25.00 | 12/10/2009 3:18:46 PM |
money-prophesy | $110.82 | $110.82 | 12/3/2009 5:21:08 PM |
neenerman | $75.00 | $75.00 | 12/3/2009 5:21:20 PM |
the-profit-oracle | $25.00 | $25.00 | 12/3/2009 6:30:45 PM |
blot44 | $100.00 | $100.00 | 12/3/2009 8:21:40 PM |
puifais | $25.00 | $25.00 | 12/3/2009 8:42:49 PM |
sjlender | $25.00 | $25.00 | 12/3/2009 9:47:43 PM |
first-generosity-harmonica | $25.00 | $25.00 | 12/3/2009 9:00:56 PM |
alpinaut | $25.00 | $23.81 | 12/4/2009 5:26:27 AM |
hellasow | $30.00 | $30.00 | 12/6/2009 11:25:30 AM |
ujiba | $25.00 | $25.00 | 12/7/2009 10:00:56 AM |
thedoctor | $80.00 | $80.00 | 12/7/2009 1:19:44 PM |
SacTown | $50.00 | $50.00 | 12/9/2009 9:01:27 AM |
wise-balanced-moola | $25.00 | $25.00 | 12/9/2009 7:24:41 PM |
FundMaker | $25.00 | $25.00 | 12/9/2009 6:53:04 PM |
letsbank | $25.00 | $25.00 | 12/9/2009 7:35:38 PM |
jybank | $25.00 | $25.00 | 12/10/2009 9:24:45 AM |
bossyboots01 | $25.00 | $25.00 | 12/10/2009 9:38:21 AM |
RichDadPoorDad | $25.00 | $25.00 | 12/10/2009 1:19:27 PM |
dynamic-fairness | $25.00 | $25.00 | 12/10/2009 4:23:50 PM |
37 bids
|
Borrower Payment Dependent Notes Series
436627
This series of Notes was issued and sold upon the funding of the borrower loan #40027, 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-07-2009 |
|
Auction end date:
| Dec-14-2009 |
|
Starting lender yield:
| 15.02% |
Starting borrower rate/APR:
| 16.02% / 18.20% |
Starting monthly payment:
| $175.83 |
Final lender yield:
| 11.00% |
Final borrower rate/APR:
| 12.00% / 14.13% |
Final monthly payment:
| $166.07 |
|
Auction yield range:
| 4.20% - 15.02% |
Estimated loss impact:
| 2.14% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.86% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Mar-1986 |
Debt/Income ratio:
| 35% |
Credit score:
| 720-739 (Dec-2009) |
Current / open credit lines:
| 34
/
29 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 52 | Length of status: | 8y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $85,422 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 83% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| GeeForce |
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:
| 0 / 1 |
On-time:
| 23 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 680-699
(Aug-2009)
680-699
(Jul-2009)
660-679
(Oct-2008)
660-679
(Sep-2008)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off several of my lower balance revolving credit cards that have high interest rates.
My financial situation:
I am attempting to lower my?payments by consolidating some lower balance credit cards. This loan will allow me to pay them off and reduce my monthly expediture.
Monthly net income: $ 7700
Monthly expenses: $
??Housing: $ 950
??Insurance: $ 90
??Car expenses: $ 120
??Utilities: $ 150
??Phone, cable, internet: $ 180
??Food, entertainment: $ 250
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 2000
??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) |
|
helping-out | $40.00 | $40.00 | 12/7/2009 4:46:06 PM |
hellasow | $30.00 | $30.00 | 12/8/2009 7:54:35 PM |
Ven58 | $25.00 | $25.00 | 12/9/2009 2:05:04 PM |
sportcraft18 | $70.00 | $70.00 | 12/9/2009 6:51:42 PM |
CA_Lender | $25.00 | $25.00 | 12/9/2009 6:27:19 PM |
brondero | $50.00 | $50.00 | 12/10/2009 8:53:11 AM |
Sven79 | $200.00 | $200.00 | 12/10/2009 4:24:39 PM |
pitashi | $25.00 | $25.00 | 12/10/2009 7:19:36 PM |
mattblizz | $50.00 | $50.00 | 12/10/2009 9:01:29 PM |
dime-neutron | $25.00 | $25.00 | 12/11/2009 9:39:26 AM |
CornerKetch | $25.00 | $25.00 | 12/11/2009 7:03:30 PM |
rmpedi33 | $150.00 | $150.00 | 12/12/2009 7:45:13 AM |
skeeter75 | $300.00 | $300.00 | 12/11/2009 6:51:33 PM |
reBuild-America | $25.00 | $25.00 | 12/11/2009 11:28:58 PM |
JerryB96 | $25.00 | $25.00 | 12/12/2009 8:58:49 AM |
SS123 | $25.00 | $25.00 | 12/12/2009 11:06:34 AM |
spiff666 | $25.00 | $25.00 | 12/12/2009 11:26:33 AM |
oldman68 | $25.00 | $25.00 | 12/13/2009 10:16:59 AM |
China0813 | $25.00 | $6.32 | 12/13/2009 4:18:49 AM |
chapman18 | $25.00 | $25.00 | 12/12/2009 7:16:55 PM |
psalms6612 | $25.00 | $25.00 | 12/13/2009 9:28:58 AM |
adam28 | $25.00 | $25.00 | 12/13/2009 3:30:10 PM |
gothampark | $25.00 | $25.00 | 12/13/2009 2:29:30 PM |
bondhedger | $25.00 | $25.00 | 12/13/2009 7:36:55 PM |
bizguy1982 | $25.00 | $25.00 | 12/14/2009 9:40:16 AM |
OoM | $25.00 | $25.00 | 12/14/2009 9:51:04 AM |
lskarp | $81.00 | $81.00 | 12/14/2009 7:55:29 AM |
robertmm25 | $93.96 | $93.96 | 12/14/2009 11:33:30 AM |
JJ-Loans | $35.00 | $35.00 | 12/14/2009 12:10:07 PM |
thegreatstrafe | $25.00 | $25.00 | 12/14/2009 9:28:42 AM |
payontime1 | $50.00 | $50.00 | 12/14/2009 1:28:32 PM |
momentous-transaction8 | $100.00 | $100.00 | 12/14/2009 11:05:17 AM |
Personal-Bond | $35.76 | $35.76 | 12/14/2009 11:08:37 AM |
leverage-monger | $25.00 | $25.00 | 12/14/2009 2:32:47 PM |
organic-platinum | $25.00 | $25.00 | 12/14/2009 3:31:24 PM |
benevolent-capital1 | $50.00 | $50.00 | 12/14/2009 3:32:21 PM |
TigerForce | $25.00 | $25.00 | 12/14/2009 1:02:40 PM |
improvman | $25.00 | $25.00 | 12/14/2009 2:19:10 PM |
Bob450 | $50.00 | $50.00 | 12/14/2009 2:36:51 PM |
exciting-fairness | $200.00 | $200.00 | 12/14/2009 3:19:27 PM |
The-CAPS-fan | $25.00 | $25.00 | 12/14/2009 3:24:48 PM |
MoneyForNothing | $25.00 | $25.00 | 12/14/2009 3:32:38 PM |
patriot384 | $150.00 | $150.00 | 12/14/2009 3:33:22 PM |
interloode | $300.00 | $300.00 | 12/14/2009 4:17:59 PM |
Engineer44 | $25.00 | $25.00 | 12/14/2009 4:29:15 PM |
Aberdeen | $300.00 | $300.00 | 12/7/2009 4:44:29 PM |
Sealion | $50.00 | $50.00 | 12/10/2009 11:54:42 AM |
justice-hawk | $75.00 | $75.00 | 12/10/2009 7:57:44 PM |
jybank | $25.00 | $25.00 | 12/10/2009 9:08:41 PM |
George2384 | $25.00 | $25.00 | 12/11/2009 8:10:52 AM |
lt_dt | $25.00 | $25.00 | 12/11/2009 9:03:11 AM |
Coach-n-u | $25.00 | $25.00 | 12/11/2009 10:09:41 AM |
impartial-deal | $25.00 | $25.00 | 12/11/2009 11:13:33 AM |
dontscrewmeover1 | $50.00 | $50.00 | 12/11/2009 11:42:08 AM |
jchurchi | $65.61 | $65.61 | 12/11/2009 8:20:48 PM |
Manta_Rai | $27.08 | $27.08 | 12/11/2009 7:00:11 PM |
AustinAmerica | $25.00 | $25.00 | 12/11/2009 10:23:44 PM |
gerinurse | $25.69 | $25.69 | 12/12/2009 12:27:28 PM |
Anamorph | $25.00 | $25.00 | 12/12/2009 1:17:53 AM |
gothampark | $25.00 | $25.00 | 12/12/2009 3:04:21 PM |
Kelor99 | $25.00 | $25.00 | 12/12/2009 8:08:17 AM |
drkosh | $25.00 | $25.00 | 12/13/2009 8:52:44 AM |
dmk2006 | $25.00 | $25.00 | 12/12/2009 6:02:21 PM |
salegalaxy | $25.00 | $25.00 | 12/13/2009 2:42:27 AM |
jcw3rd | $25.00 | $25.00 | 12/13/2009 7:25:43 AM |
crafty | $25.00 | $25.00 | 12/13/2009 7:20:51 AM |
dhallii | $50.00 | $50.00 | 12/13/2009 9:40:50 AM |
Frugal | $25.00 | $25.00 | 12/13/2009 7:41:59 PM |
squarebob | $50.00 | $50.00 | 12/13/2009 4:56:28 PM |
Sven79 | $100.00 | $100.00 | 12/14/2009 12:42:58 AM |
pedestrianme | $25.00 | $25.00 | 12/13/2009 2:56:31 PM |
OwlGirl | $25.00 | $25.00 | 12/14/2009 8:09:37 AM |
PrinceValium | $25.00 | $25.00 | 12/13/2009 7:23:49 PM |
yogi1975 | $25.00 | $25.00 | 12/13/2009 8:14:41 PM |
Torero06 | $30.54 | $30.54 | 12/14/2009 9:51:01 AM |
Nasdaq | $25.00 | $25.00 | 12/14/2009 8:31:10 AM |
drummerdad | $25.00 | $25.00 | 12/14/2009 10:39:08 AM |
blue-heartpounding-silver | $25.04 | $25.04 | 12/14/2009 9:54:14 AM |
wild-orange | $25.00 | $25.00 | 12/14/2009 1:49:48 PM |
zento | $25.00 | $25.00 | 12/14/2009 10:11:44 AM |
Leshan | $74.00 | $74.00 | 12/14/2009 2:07:28 PM |
lancetc | $25.00 | $25.00 | 12/14/2009 11:29:36 AM |
Feyenoord | $25.00 | $25.00 | 12/14/2009 11:45:45 AM |
fairness-swashbuckler | $75.00 | $75.00 | 12/14/2009 3:39:13 PM |
TakeCare | $200.00 | $200.00 | 12/14/2009 1:43:20 PM |
kf88 | $30.00 | $30.00 | 12/14/2009 1:10:05 PM |
Astyanax | $25.00 | $25.00 | 12/14/2009 1:24:16 PM |
pluto2k8 | $100.00 | $100.00 | 12/14/2009 2:25:23 PM |
MattProsper | $50.00 | $50.00 | 12/14/2009 2:06:52 PM |
the-silver-blaster | $30.00 | $30.00 | 12/14/2009 3:26:54 PM |
sun-funding | $25.00 | $25.00 | 12/14/2009 3:41:23 PM |
fireboss | $100.00 | $100.00 | 12/14/2009 4:10:41 PM |
gilbrear | $25.00 | $25.00 | 12/14/2009 4:22:07 PM |
pinnacle10 | $25.00 | $25.00 | 12/14/2009 4:15:40 PM |
goodhearted-basis4 | $25.00 | $25.00 | 12/14/2009 4:18:23 PM |
GO4NY23 | $25.00 | $25.00 | 12/14/2009 4:26:33 PM |
Pu239 | $50.00 | $50.00 | 12/14/2009 4:26:07 PM |
97 bids
|
Borrower Payment Dependent Notes Series
436867
This series of Notes was issued and sold upon the funding of the borrower loan #40035, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $13,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-04-2009 |
|
Auction end date:
| Dec-09-2009 |
|
Starting lender yield:
| 10.85% |
Starting borrower rate/APR:
| 11.85% / 13.98% |
Starting monthly payment:
| $447.43 |
Final lender yield:
| 10.35% |
Final borrower rate/APR:
| 11.35% / 13.47% |
Final monthly payment:
| $444.21 |
|
Auction yield range:
| 4.20% - 10.85% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.22% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 17% |
Credit score:
| 760-779 (Dec-2009) |
Current / open credit lines:
| 14
/
14 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 48 | Length of status: | 10y 8m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,692 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 10% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| moola-melody |
Borrower's state:
| Arkansas |
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
Entrepreneur Seeking Venture Caps
Purpose of loan:
This loan will be used as start up capital for a small residential care facility.? The Golden Girls Retirement Manor will provide upscale accommodations for?vibrant, active senior ladies that no longer wish to live alone or need occassional assistance with day to day activities.? There will be a live-in nurse to give assistance when needed, monitor medications, cook all meals,?provide housekeeping, laundry, meals and transportation.? I already have the nurse ready to begin working.? I have one resident waiting for completion of the facility. I put a lease?offer on a?property 2 days ago. I had 200 brocures and flyers printed and ordered an ad to be placed in the next publishing of the local phonebook.? I have researched all permits, licenses and zoning.?There is only one competing facility in town, and?it has no vacancies.?
My financial situation:
I am a good candidate for this loan because? I am an accomplished small businessman who understands what it takes to successfully research, start and run a business.?My income to debt ratio is manageable.?My mortgage is much lower then most banks think I qualify for.?I do not have any vehicle?debt.?I own several successful rental properties. I always pay my debtors because I may need capital again in the future, and a great deal?must be beneficial and profitable for everyone.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hi,
How will you be able to take on the responsibilities of operating a senior-care facility while you have other full-term work responsibilities? - ddamenace
A:
I have no intention of running the care facility, the nurse will manage it.
(Dec-08-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
neenerman | $25.00 | $25.00 | 12/4/2009 5:31:47 PM |
ryelk | $25.00 | $25.00 | 12/4/2009 5:34:41 PM |
sjlender | $25.00 | $25.00 | 12/4/2009 5:35:34 PM |
sharkm | $40.00 | $40.00 | 12/4/2009 5:36:09 PM |
silver-armada | $100.00 | $100.00 | 12/4/2009 5:37:20 PM |
QuinMccoy | $25.00 | $25.00 | 12/4/2009 5:37:32 PM |
czar3 | $30.00 | $30.00 | 12/4/2009 5:37:48 PM |
Artist_Blue | $25.00 | $25.00 | 12/4/2009 5:38:32 PM |
Marathoner | $25.00 | $25.00 | 12/4/2009 5:38:59 PM |
bold-yield-rumbler | $25.00 | $25.00 | 12/4/2009 5:41:14 PM |
elegant-bonus | $25.00 | $25.00 | 12/4/2009 5:41:54 PM |
shamrocker | $25.00 | $25.00 | 12/4/2009 5:41:19 PM |
Ven58 | $25.00 | $25.00 | 12/4/2009 5:42:08 PM |
blot44 | $25.00 | $25.00 | 12/4/2009 7:07:40 PM |
bchang2001 | $25.00 | $25.00 | 12/4/2009 9:34:41 PM |
honsbedh | $25.00 | $25.00 | 12/4/2009 10:35:09 PM |
cash-vault | $25.00 | $25.00 | 12/4/2009 9:46:03 PM |
PocketAces | $25.00 | $25.00 | 12/5/2009 1:09:58 AM |
iruz | $25.40 | $25.40 | 12/5/2009 1:02:00 AM |
wise-agile-investment | $25.00 | $25.00 | 12/5/2009 10:12:46 AM |
charming-point | $200.00 | $200.00 | 12/5/2009 11:38:53 AM |
MWMoney | $25.00 | $25.00 | 12/5/2009 11:37:28 AM |
justice-dna | $35.00 | $35.00 | 12/5/2009 12:57:20 PM |
divrekku | $25.00 | $25.00 | 12/5/2009 11:55:23 AM |
auction-elvis | $25.00 | $25.00 | 12/5/2009 12:15:40 PM |
asiaratt | $50.00 | $50.00 | 12/5/2009 12:58:35 PM |
NycDean | $25.00 | $25.00 | 12/5/2009 1:18:14 PM |
djh47a | $27.62 | $27.62 | 12/5/2009 1:21:00 PM |
JohnGalt94 | $25.00 | $25.00 | 12/5/2009 12:57:16 PM |
persevering | $25.00 | $25.00 | 12/5/2009 12:58:30 PM |
kain11286 | $25.00 | $25.00 | 12/5/2009 12:58:36 PM |
japher | $25.00 | $25.00 | 12/5/2009 1:03:09 PM |
supreme-hope | $25.00 | $25.00 | 12/5/2009 2:22:58 PM |
leeo | $25.00 | $25.00 | 12/5/2009 4:58:47 PM |
spsavage | $25.00 | $25.00 | 12/5/2009 4:59:55 PM |
kind-bid-maverick | $25.00 | $25.00 | 12/5/2009 8:47:35 PM |
AlexTrep | $25.00 | $25.00 | 12/5/2009 7:45:51 PM |
GyJAV_BNCCo | $50.00 | $50.00 | 12/6/2009 3:22:10 AM |
SNH | $50.00 | $50.00 | 12/6/2009 4:26:33 AM |
dpfl55 | $25.00 | $25.00 | 12/6/2009 4:17:19 AM |
wealth-cloud | $25.00 | $25.00 | 12/6/2009 4:23:33 AM |
basis-mammal | $30.49 | $30.49 | 12/5/2009 11:23:48 PM |
unk1911 | $25.00 | $25.00 | 12/6/2009 12:12:08 PM |
Hexnut | $25.00 | $25.00 | 12/6/2009 8:24:41 AM |
Sixmil | $25.00 | $25.00 | 12/6/2009 11:50:17 AM |
rosie777 | $25.00 | $25.00 | 12/6/2009 4:37:30 PM |
orbiter614 | $50.00 | $50.00 | 12/6/2009 11:22:07 AM |
integrity-doctor | $50.00 | $50.00 | 12/6/2009 4:51:05 PM |
guardlender | $25.00 | $25.00 | 12/6/2009 5:41:09 PM |
liederhaus | $50.00 | $50.00 | 12/6/2009 11:59:13 PM |
esabzb | $25.00 | $25.00 | 12/6/2009 10:27:42 PM |
gourd6 | $25.00 | $25.00 | 12/7/2009 12:04:06 AM |
MoneySiles | $25.00 | $25.00 | 12/6/2009 11:59:34 PM |
bitbucket | $50.00 | $50.00 | 12/6/2009 11:32:17 PM |
Phantom99 | $25.00 | $25.00 | 12/7/2009 12:03:32 AM |
hope-hickory | $25.00 | $25.00 | 12/7/2009 12:04:09 AM |
CindysMom | $25.00 | $25.00 | 12/7/2009 6:38:10 AM |
equitable-camaraderi | $25.00 | $25.00 | 12/7/2009 12:04:08 AM |
Northsider | $25.00 | $25.00 | 12/7/2009 12:07:03 AM |
kluver-bucy | $25.00 | $25.00 | 12/7/2009 4:28:00 AM |
chinagrunt | $25.00 | $25.00 | 12/7/2009 5:14:00 AM |
cocopuffs | $25.00 | $25.00 | 12/7/2009 5:59:02 AM |
chiemsee | $25.00 | $25.00 | 12/7/2009 8:32:52 AM |
imdave4me | $25.00 | $25.00 | 12/7/2009 8:33:03 AM |
ijspence | $25.00 | $25.00 | 12/7/2009 10:17:36 AM |
LPSolutions | $25.00 | $25.00 | 12/7/2009 10:38:33 AM |
philantist | $25.00 | $25.00 | 12/7/2009 10:04:15 AM |
tobin | $25.00 | $25.00 | 12/7/2009 10:14:31 AM |
Hola_James | $30.00 | $30.00 | 12/7/2009 10:18:30 AM |
worthy-truth | $25.00 | $25.00 | 12/7/2009 10:36:19 AM |
mlopez2007 | $100.00 | $100.00 | 12/7/2009 12:16:44 PM |
SpotLending | $25.00 | $25.00 | 12/7/2009 10:53:55 AM |
MiniBank998 | $25.00 | $25.00 | 12/7/2009 10:57:21 AM |
Buffer10 | $200.00 | $200.00 | 12/7/2009 10:57:36 AM |
koinonea | $25.00 | $25.00 | 12/7/2009 11:37:50 AM |
chumbawumba | $25.00 | $25.00 | 12/7/2009 11:37:15 AM |
szetheli | $44.70 | $44.70 | 12/7/2009 11:57:17 AM |
AdamDB | $25.00 | $25.00 | 12/7/2009 11:57:08 AM |
sunshinysmiles | $25.00 | $25.00 | 12/7/2009 12:18:23 PM |
Jgodd13 | $26.53 | $26.53 | 12/7/2009 12:24:21 PM |
TriSail | $25.00 | $25.00 | 12/7/2009 12:37:41 PM |
paladin847 | $25.00 | $25.00 | 12/7/2009 2:38:44 PM |
cashasaurus0 | $100.00 | $100.00 | 12/7/2009 1:07:33 PM |
UBOtto186 | $25.00 | $25.00 | 12/7/2009 1:16:32 PM |
creditasaurus9 | $25.00 | $25.00 | 12/7/2009 1:53:48 PM |
julijask | $25.00 | $25.00 | 12/7/2009 5:11:28 PM |
vine99 | $50.00 | $50.00 | 12/7/2009 6:05:10 PM |
punctual-power7 | $25.00 | $25.00 | 12/7/2009 6:05:43 PM |
best-community-platoon | $25.00 | $25.00 | 12/7/2009 7:10:02 PM |
nostromo | $25.00 | $25.00 | 12/7/2009 11:19:07 PM |
JJS180 | $25.00 | $25.00 | 12/7/2009 11:19:42 PM |
beezling | $40.00 | $40.00 | 12/7/2009 11:20:00 PM |
Pizza-man | $50.00 | $50.00 | 12/7/2009 11:20:39 PM |
bigdogsafety1 | $25.00 | $25.00 | 12/7/2009 11:19:15 PM |
Klearwater_Pools | $25.00 | $25.00 | 12/7/2009 11:19:45 PM |
BeansMan02 | $25.00 | $25.00 | 12/7/2009 11:19:53 PM |
commitment-forte6 | $25.00 | $25.00 | 12/7/2009 11:17:25 PM |
The-CAPS-fan | $30.00 | $30.00 | 12/7/2009 11:20:59 PM |
Zubo | $25.00 | $25.00 | 12/7/2009 11:45:02 PM |
Cutts | $25.00 | $25.00 | 12/7/2009 11:45:44 PM |
CarDealer3070 | $25.00 | $25.00 | 12/7/2009 11:35:30 PM |
ohnezweck | $25.00 | $25.00 | 12/7/2009 11:46:07 PM |
Trimalchio12 | $25.00 | $25.00 | 12/7/2009 11:46:15 PM |
kmfreymi | $25.00 | $25.00 | 12/7/2009 11:35:27 PM |
bayareainv | $50.00 | $50.00 | 12/7/2009 11:37:19 PM |
inspired-contract9 | $50.00 | $50.00 | 12/7/2009 11:35:35 PM |
iansays1 | $25.00 | $25.00 | 12/7/2009 11:52:13 PM |
Ballard | $25.00 | $25.00 | 12/7/2009 11:58:28 PM |
whiteshadow | $25.00 | $25.00 | 12/7/2009 11:59:31 PM |
ISHLEP67 | $50.00 | $50.00 | 12/7/2009 11:59:51 PM |
Warwick | $25.00 | $25.00 | 12/8/2009 12:02:06 AM |
LenderOnWheels | $25.00 | $25.00 | 12/7/2009 11:45:04 PM |
Dia_Lucrii | $25.00 | $25.00 | 12/7/2009 11:49:38 PM |
skibum65 | $50.00 | $50.00 | 12/7/2009 11:47:07 PM |
Katburg | $25.00 | $25.00 | 12/7/2009 11:48:29 PM |
educationfirst | $25.00 | $25.00 | 12/7/2009 11:48:55 PM |
CoolHelp | $50.00 | $50.00 | 12/7/2009 11:49:18 PM |
MakoF16 | $50.00 | $50.00 | 12/7/2009 11:49:37 PM |
AGSLending | $25.00 | $25.00 | 12/7/2009 11:53:01 PM |
money2k | $25.00 | $25.00 | 12/7/2009 11:59:16 PM |
mmckune | $25.00 | $25.00 | 12/7/2009 11:59:50 PM |
topper480 | $25.00 | $25.00 | 12/8/2009 6:53:18 AM |
mmqc | $25.00 | $25.00 | 12/7/2009 11:58:25 PM |
kruizen | $25.00 | $25.00 | 12/7/2009 11:58:33 PM |
trochees | $25.00 | $25.00 | 12/8/2009 2:26:58 AM |
exact-justice | $25.00 | $25.00 | 12/7/2009 11:59:38 PM |
lagnisiruk | $25.00 | $25.00 | 12/7/2009 11:59:53 PM |
nala2821 | $25.00 | $25.00 | 12/8/2009 4:43:02 AM |
18th_beachbum | $25.00 | $25.00 | 12/8/2009 9:44:24 AM |
loan-machine1 | $25.00 | $25.00 | 12/8/2009 6:22:46 AM |
bullwink27 | $25.00 | $25.00 | 12/8/2009 9:45:18 AM |
power-amusement | $25.00 | $25.00 | 12/8/2009 9:45:57 AM |
urbanMisfit | $25.00 | $25.00 | 12/8/2009 9:46:09 AM |
balanced-balance6 | $25.00 | $25.00 | 12/8/2009 9:43:56 AM |
wise-bonus-honker | $25.00 | $25.00 | 12/8/2009 11:03:12 AM |
Heatguy | $33.19 | $33.19 | 12/8/2009 11:03:47 AM |
zeelender | $25.00 | $25.00 | 12/8/2009 10:55:27 AM |
bradny | $25.00 | $25.00 | 12/8/2009 11:18:07 AM |
lizard_lips | $25.00 | $25.00 | 12/8/2009 11:00:39 AM |
bluprntguy | $25.00 | $25.00 | 12/8/2009 11:01:43 AM |
kingbutthd | $25.00 | $25.00 | 12/8/2009 11:16:59 AM |
transaction-axis | $25.00 | $25.00 | 12/8/2009 11:17:41 AM |
loiosh | $25.00 | $25.00 | 12/8/2009 11:06:57 AM |
burrito6 | $25.00 | $25.00 | 12/8/2009 11:18:51 AM |
Lender0010 | $50.00 | $50.00 | 12/8/2009 11:20:00 AM |
aldeed | $25.00 | $25.00 | 12/8/2009 11:15:55 AM |
topher515 | $25.00 | $25.00 | 12/8/2009 11:17:02 AM |
first-restless-payout | $50.00 | $50.00 | 12/8/2009 11:18:14 AM |
Tai | $25.00 | $25.00 | 12/8/2009 11:49:39 AM |
ScottW | $25.00 | $25.00 | 12/8/2009 11:55:03 AM |
ClearLake | $25.00 | $25.00 | 12/8/2009 11:52:30 AM |
kanakakm | $29.13 | $29.13 | 12/8/2009 12:18:10 PM |
highcountry1 | $25.00 | $25.00 | 12/8/2009 12:18:50 PM |
wise-balanced-moola | $25.00 | $25.00 | 12/8/2009 11:53:27 AM |
steves73 | $25.00 | $25.00 | 12/8/2009 11:54:42 AM |
BzJ108 | $25.00 | $25.00 | 12/8/2009 12:18:08 PM |
compoundinterest | $50.00 | $50.00 | 12/8/2009 12:18:46 PM |
kubien | $25.00 | $25.00 | 12/8/2009 12:39:54 PM |
djs81 | $25.00 | $25.00 | 12/8/2009 12:35:16 PM |
antlr | $25.00 | $25.00 | 12/8/2009 12:39:37 PM |
How | $25.00 | $25.00 | 12/8/2009 12:39:58 PM |
CASHGIRL | $41.12 | $41.12 | 12/8/2009 12:42:53 PM |
dinero-festivity2 | $50.00 | $50.00 | 12/8/2009 1:04:01 PM |
Velocity_Lenders | $100.00 | $100.00 | 12/8/2009 1:04:17 PM |
Gabriel02 | $25.00 | $25.00 | 12/8/2009 1:11:19 PM |
puntme | $25.00 | $25.00 | 12/8/2009 1:22:22 PM |
jameskdean | $25.00 | $25.00 | 12/8/2009 1:22:49 PM |
Goodlender42 | $25.00 | $25.00 | 12/8/2009 1:22:52 PM |
LongTail | $25.00 | $25.00 | 12/8/2009 1:29:27 PM |
Psalm1 | $50.00 | $50.00 | 12/8/2009 12:42:49 PM |
seeb | $25.00 | $25.00 | 12/8/2009 1:37:13 PM |
irrelevant | $25.00 | $25.00 | 12/8/2009 1:38:34 PM |
wgc | $25.00 | $25.00 | 12/8/2009 12:55:43 PM |
proteinart | $25.00 | $25.00 | 12/8/2009 1:04:22 PM |
neighborly-hope6 | $50.90 | $50.90 | 12/8/2009 1:49:35 PM |
transparency-giant | $25.00 | $25.00 | 12/8/2009 3:06:53 PM |
nickel-position | $50.00 | $50.00 | 12/8/2009 1:48:29 PM |
winlender | $25.00 | $25.00 | 12/8/2009 2:43:06 PM |
affluence-tomahawk | $25.00 | $25.00 | 12/8/2009 4:59:08 PM |
FASTIZIO_P | $29.02 | $29.02 | 12/8/2009 5:08:55 PM |
NATIVEBORN | $25.00 | $25.00 | 12/8/2009 5:10:17 PM |
Sofar | $25.00 | $25.00 | 12/8/2009 5:18:19 PM |
wise-cash-keeper | $25.00 | $25.00 | 12/8/2009 7:08:40 PM |
LiquidLender | $25.00 | $25.00 | 12/8/2009 7:00:36 PM |
Avid_Skier | $25.00 | $25.00 | 12/8/2009 7:02:12 PM |
capital-duckling | $25.00 | $25.00 | 12/8/2009 7:08:42 PM |
market-inspector | $25.00 | $25.00 | 12/8/2009 7:11:17 PM |
rovo | $25.00 | $25.00 | 12/8/2009 9:22:25 PM |
interest-exec9 | $25.00 | $25.00 | 12/9/2009 3:19:12 AM |
AdamClemSC | $25.00 | $25.00 | 12/8/2009 9:27:02 PM |
heroic-benefit | $50.00 | $50.00 | 12/9/2009 5:42:08 AM |
money-explorer3 | $25.00 | $25.00 | 12/8/2009 11:02:12 PM |
coin-investor | $25.00 | $25.00 | 12/8/2009 11:58:00 PM |
Sam65 | $25.00 | $25.00 | 12/9/2009 5:49:07 AM |
GatorBux | $69.62 | $69.62 | 12/9/2009 7:52:39 AM |
SacTown | $25.00 | $25.00 | 12/9/2009 9:14:37 AM |
diplomatic-point4 | $50.00 | $50.00 | 12/9/2009 9:37:40 AM |
Residuum | $25.00 | $25.00 | 12/9/2009 8:48:12 AM |
TempHelp | $25.00 | $25.00 | 12/9/2009 9:40:47 AM |
witty-principal | $25.00 | $25.00 | 12/9/2009 9:45:46 AM |
sas19 | $25.00 | $25.00 | 12/9/2009 9:46:15 AM |
credit-coach118 | $40.00 | $40.00 | 12/9/2009 9:30:23 AM |
open-minded-credit4 | $25.00 | $25.00 | 12/9/2009 9:37:22 AM |
payout-backer2 | $25.00 | $25.00 | 12/9/2009 9:40:52 AM |
Frugal | $25.00 | $25.00 | 12/9/2009 10:33:19 AM |
Ranch88 | $25.00 | $25.00 | 12/9/2009 10:47:47 AM |
Jimfromsac | $25.00 | $25.00 | 12/9/2009 10:48:07 AM |
Patter256 | $25.00 | $25.00 | 12/9/2009 12:09:12 PM |
LKN2RTR | $25.00 | $25.00 | 12/9/2009 11:57:00 AM |
mooshoe | $25.00 | $25.00 | 12/9/2009 12:26:08 PM |
onlyastepaway | $25.00 | $25.00 | 12/9/2009 11:57:19 AM |
BidPlace | $25.00 | $25.00 | 12/9/2009 12:24:22 PM |
glalat | $25.00 | $25.00 | 12/9/2009 12:12:56 PM |
williamdkit | $25.00 | $25.00 | 12/9/2009 1:09:41 PM |
johnsails | $49.15 | $49.15 | 12/9/2009 12:24:12 PM |
TCR3 | $25.00 | $25.00 | 12/9/2009 12:24:34 PM |
Ivan2007 | $50.00 | $50.00 | 12/9/2009 1:20:29 PM |
BigChiefLender | $25.00 | $25.00 | 12/9/2009 1:25:10 PM |
eric-p | $25.00 | $25.00 | 12/9/2009 3:08:06 PM |
someone0001 | $25.00 | $25.00 | 12/9/2009 3:44:05 PM |
Castellan | $25.00 | $25.00 | 12/9/2009 3:21:56 PM |
teejay411 | $54.02 | $54.02 | 12/9/2009 4:38:01 PM |
ultimatepaintball | $25.00 | $25.00 | 12/9/2009 4:37:39 PM |
murlirao2002 | $25.00 | $25.00 | 12/9/2009 5:43:11 PM |
skvat | $25.00 | $25.00 | 12/9/2009 6:32:57 PM |
dontscrewmeover1 | $25.00 | $25.00 | 12/9/2009 6:28:19 PM |
grampy48 | $25.00 | $25.00 | 12/9/2009 5:32:36 PM |
wwwUniversal | $25.00 | $25.00 | 12/9/2009 6:52:17 PM |
a-resplendent-commitment | $25.00 | $25.00 | 12/4/2009 5:03:43 PM |
AF-Chief | $27.00 | $27.00 | 12/4/2009 5:07:04 PM |
calm-deal7 | $25.00 | $25.00 | 12/4/2009 5:06:51 PM |
the-profit-oracle | $25.00 | $25.00 | 12/4/2009 5:15:33 PM |
five-star-justice | $36.00 | $36.00 | 12/4/2009 5:19:17 PM |
CallMeBen | $25.00 | $25.00 | 12/4/2009 5:26:55 PM |
puifais | $25.00 | $25.00 | 12/4/2009 5:34:57 PM |
gold-commander0 | $50.00 | $50.00 | 12/4/2009 5:35:54 PM |
capital-amplifier | $25.00 | $25.00 | 12/4/2009 5:38:35 PM |
ImaPutz | $25.00 | $25.00 | 12/4/2009 5:39:23 PM |
rmachi | $25.00 | $25.00 | 12/4/2009 5:39:38 PM |
Purple11 | $100.00 | $100.00 | 12/4/2009 5:39:48 PM |
Doodlemeyer | $25.00 | $25.00 | 12/4/2009 5:40:18 PM |
loyalist1 | $25.00 | $25.00 | 12/4/2009 5:40:13 PM |
gracej | $25.00 | $25.00 | 12/4/2009 5:41:42 PM |
minista | $25.00 | $25.00 | 12/4/2009 5:39:57 PM |
dpjd | $50.00 | $50.00 | 12/4/2009 5:42:26 PM |
piter-to-la-investment | $25.00 | $25.00 | 12/4/2009 5:41:26 PM |
Montgomery-Burns | $25.00 | $25.00 | 12/4/2009 5:48:18 PM |
ml13 | $25.00 | $25.00 | 12/4/2009 9:17:54 PM |
alex189a | $25.00 | $25.00 | 12/4/2009 9:46:57 PM |
Homeinvest | $25.00 | $25.00 | 12/5/2009 4:53:07 AM |
money-prophesy | $150.00 | $150.00 | 12/5/2009 3:57:49 AM |
LAM26 | $25.00 | $25.00 | 12/5/2009 10:09:05 AM |
alpinaut | $25.00 | $25.00 | 12/5/2009 10:09:08 AM |
first-sophisticated-rate | $25.00 | $25.00 | 12/5/2009 11:07:38 AM |
pedestrianme | $25.00 | $25.00 | 12/5/2009 12:58:12 PM |
petejones32 | $25.00 | $25.00 | 12/5/2009 12:58:25 PM |
hannibal720 | $25.00 | $25.00 | 12/5/2009 12:58:37 PM |
blackstar | $25.00 | $25.00 | 12/5/2009 12:58:11 PM |
jhouman | $25.00 | $25.00 | 12/5/2009 12:58:26 PM |
five-star-note | $35.00 | $35.00 | 12/5/2009 1:12:14 PM |
KMTboy | $25.00 | $25.00 | 12/5/2009 4:58:46 PM |
PrimeTimeGadgets | $25.00 | $25.00 | 12/5/2009 4:58:46 PM |
physicsjoe | $25.00 | $25.00 | 12/5/2009 4:58:52 PM |
inqbus | $25.00 | $25.00 | 12/5/2009 4:28:48 PM |
Vess | $25.00 | $25.00 | 12/5/2009 5:26:58 PM |
harnobuff | $25.00 | $25.00 | 12/6/2009 5:57:09 AM |
income-fortress | $144.37 | $144.37 | 12/6/2009 6:08:16 AM |
fxsrider | $25.00 | $25.00 | 12/6/2009 6:57:50 AM |
GOPHERBOY | $65.00 | $65.00 | 12/6/2009 8:18:43 AM |
new-nourishing-silver | $25.00 | $25.00 | 12/6/2009 12:44:10 PM |
htdia | $25.00 | $25.00 | 12/6/2009 9:32:40 AM |
efficient-principal | $25.00 | $25.00 | 12/6/2009 2:52:21 PM |
bcg2004 | $25.00 | $25.00 | 12/6/2009 6:01:40 PM |
neonnurse | $25.00 | $25.00 | 12/6/2009 4:43:11 PM |
hptcrabbers | $25.00 | $25.00 | 12/6/2009 9:12:24 PM |
HAVEANICEDAY | $25.00 | $25.00 | 12/6/2009 10:32:39 PM |
moola-rose8 | $25.00 | $25.00 | 12/7/2009 12:00:22 AM |
cdv | $25.00 | $25.00 | 12/6/2009 9:52:32 PM |
five-star-responsibility0 | $25.00 | $25.00 | 12/7/2009 12:02:34 AM |
WilliamLeeSims | $25.00 | $25.00 | 12/6/2009 11:59:00 PM |
DeilaMiah | $38.90 | $38.90 | 12/6/2009 11:59:25 PM |
bedframe | $25.00 | $25.00 | 12/6/2009 11:59:59 PM |
physjosh | $25.00 | $25.00 | 12/7/2009 3:34:05 AM |
flwah | $25.00 | $25.00 | 12/7/2009 1:47:38 AM |
newbietony | $30.00 | $30.00 | 12/7/2009 3:37:20 AM |
triumph329 | $25.00 | $25.00 | 12/7/2009 5:37:51 AM |
gaileyb | $25.00 | $25.00 | 12/7/2009 8:06:02 AM |
cjames84 | $25.00 | $25.00 | 12/7/2009 9:39:24 AM |
availableloan | $25.00 | $25.00 | 12/7/2009 10:15:08 AM |
Daheavy1 | $33.00 | $33.00 | 12/7/2009 10:17:21 AM |
ahalyaa | $25.00 | $25.00 | 12/7/2009 10:33:45 AM |
MO_Investor | $25.00 | $25.00 | 12/7/2009 9:59:32 AM |
worth-sanctuary9 | $25.00 | $25.00 | 12/7/2009 10:38:24 AM |
ujiba | $25.00 | $25.00 | 12/7/2009 10:00:51 AM |
brightest-income-hunter | $25.00 | $25.00 | 12/7/2009 10:01:18 AM |
dollar-sunrise | $25.00 | $25.00 | 12/7/2009 10:12:14 AM |
Syzygy | $25.00 | $25.00 | 12/7/2009 10:16:31 AM |
dberry46 | $25.00 | $25.00 | 12/7/2009 10:39:01 AM |
BigLinCT | $50.00 | $50.00 | 12/7/2009 10:56:26 AM |
stable-nickel | $85.00 | $85.00 | 12/7/2009 10:56:43 AM |
fund-medalist171 | $25.00 | $25.00 | 12/7/2009 10:58:17 AM |
SC98007 | $25.00 | $25.00 | 12/7/2009 1:06:58 PM |
badgermom | $25.00 | $25.00 | 12/7/2009 1:23:30 PM |
Mostyle | $25.00 | $25.00 | 12/7/2009 12:37:49 PM |
cloud8 | $25.56 | $25.56 | 12/7/2009 12:58:37 PM |
agreement-accruer | $25.00 | $25.00 | 12/7/2009 1:07:43 PM |
honestpeople1 | $25.00 | $25.00 | 12/7/2009 1:37:03 PM |
famous-community8 | $25.00 | $25.00 | 12/7/2009 3:22:09 PM |
restless-currency | $25.00 | $25.00 | 12/7/2009 3:35:31 PM |
adir1 | $25.00 | $25.00 | 12/7/2009 11:20:05 PM |
bigballer105 | $25.00 | $25.00 | 12/7/2009 11:20:09 PM |
jibe-set | $50.00 | $50.00 | 12/7/2009 11:17:08 PM |
Syndication | $25.00 | $25.00 | 12/7/2009 11:20:30 PM |
sentimental-euro | $25.00 | $25.00 | 12/7/2009 11:20:43 PM |
lendacity | $25.00 | $25.00 | 12/7/2009 11:19:51 PM |
worthy-reward1 | $50.00 | $50.00 | 12/7/2009 11:20:51 PM |
trade-pragmatist | $25.00 | $25.00 | 12/7/2009 11:19:34 PM |
wonderful-rupee | $25.00 | $25.00 | 12/7/2009 11:20:34 PM |
galtsgulch | $25.00 | $25.00 | 12/7/2009 11:28:58 PM |
Dahlozer | $25.00 | $25.00 | 12/7/2009 11:35:52 PM |
tsui517 | $25.00 | $25.00 | 12/7/2009 11:36:03 PM |
anton | $50.00 | $50.00 | 12/7/2009 11:32:06 PM |
blooming-dedication | $50.00 | $50.00 | 12/7/2009 11:37:06 PM |
TheBiggTree | $25.00 | $25.00 | 12/7/2009 11:37:11 PM |
LenderByDay | $25.00 | $25.00 | 12/7/2009 11:30:06 PM |
Westerly | $50.00 | $50.00 | 12/7/2009 11:45:34 PM |
Sibelius2 | $25.00 | $25.00 | 12/7/2009 11:46:08 PM |
sloan | $25.00 | $25.00 | 12/7/2009 11:36:14 PM |
cyberie21 | $40.00 | $40.00 | 12/7/2009 11:48:57 PM |
smallfry | $25.00 | $25.00 | 12/7/2009 11:49:25 PM |
syounker | $25.00 | $25.00 | 12/7/2009 11:37:29 PM |
Josta | $50.00 | $50.00 | 12/7/2009 11:50:12 PM |
dirkjan | $25.00 | $25.00 | 12/7/2009 11:36:08 PM |
Kame | $25.00 | $25.00 | 12/7/2009 11:36:39 PM |
red-favorable-basis | $25.00 | $25.00 | 12/7/2009 11:46:40 PM |
checkuto | $25.00 | $25.00 | 12/7/2009 11:47:25 PM |
Marsue | $25.00 | $25.00 | 12/7/2009 11:45:33 PM |
iceberg982362 | $25.00 | $25.00 | 12/7/2009 11:46:06 PM |
Interloper | $25.00 | $25.00 | 12/7/2009 11:46:41 PM |
brazilofmux | $100.00 | $100.00 | 12/7/2009 11:50:29 PM |
ianakacg | $25.00 | $25.00 | 12/7/2009 11:48:53 PM |
sensible-trade | $25.00 | $25.00 | 12/7/2009 11:58:27 PM |
devoider | $25.00 | $25.00 | 12/7/2009 11:58:30 PM |
techvet | $25.00 | $25.00 | 12/8/2009 12:00:04 AM |
Business_Happens | $25.00 | $25.00 | 12/8/2009 3:53:24 AM |
dunedin | $25.00 | $25.00 | 12/8/2009 3:53:26 AM |
cozy-worth7 | $25.00 | $25.00 | 12/8/2009 6:03:34 AM |
tomchap | $25.00 | $25.00 | 12/8/2009 7:02:14 AM |
one2sojourn | $50.00 | $50.00 | 12/8/2009 9:17:06 AM |
UT-Longhorn | $25.00 | $25.00 | 12/8/2009 9:43:45 AM |
imlosttoo | $25.00 | $25.00 | 12/8/2009 9:46:30 AM |
misterhobbs | $25.00 | $25.00 | 12/8/2009 9:43:09 AM |
Chuck9802 | $25.00 | $25.00 | 12/8/2009 10:58:47 AM |
lendme2 | $50.00 | $50.00 | 12/8/2009 11:03:10 AM |
ddamenace | $25.00 | $25.00 | 12/8/2009 11:06:49 AM |
bookloverInCA | $25.00 | $25.00 | 12/8/2009 11:14:29 AM |
mathprof | $25.00 | $25.00 | 12/8/2009 10:55:08 AM |
pleasant-basis | $25.00 | $25.00 | 12/8/2009 11:18:54 AM |
Tradesmanlender | $25.00 | $25.00 | 12/8/2009 10:56:28 AM |
Hogpilot | $25.00 | $25.00 | 12/8/2009 11:12:49 AM |
anacho4me | $25.00 | $25.00 | 12/8/2009 11:16:55 AM |
Divr555 | $50.00 | $50.00 | 12/8/2009 11:13:36 AM |
currency-cigar4 | $25.00 | $25.00 | 12/8/2009 11:17:44 AM |
lending_pugs | $25.00 | $25.00 | 12/8/2009 11:50:09 AM |
principal-kung-fu | $25.00 | $25.00 | 12/8/2009 11:54:25 AM |
PalmerTheEmbalmer | $25.00 | $25.00 | 12/8/2009 11:55:15 AM |
thumper64 | $33.54 | $33.54 | 12/8/2009 11:55:45 AM |
thaceisbac | $25.00 | $25.00 | 12/8/2009 12:15:54 PM |
alverado | $25.00 | $25.00 | 12/8/2009 11:54:29 AM |
GATrust | $37.89 | $37.89 | 12/8/2009 12:39:51 PM |
kginatl | $25.00 | $25.00 | 12/8/2009 12:30:24 PM |
a-responsible-return | $25.00 | $25.00 | 12/8/2009 1:23:04 PM |
community-accelerator | $25.00 | $25.00 | 12/8/2009 1:38:40 PM |
ccdmp2004 | $25.00 | $25.00 | 12/8/2009 2:22:32 PM |
lookingup78 | $25.00 | $25.00 | 12/8/2009 2:38:48 PM |
AndersenWatcher | $25.00 | $25.00 | 12/8/2009 2:42:59 PM |
bonus-patriot | $25.00 | $25.00 | 12/8/2009 1:46:35 PM |
ekn_enterprises | $25.00 | $25.00 | 12/8/2009 3:23:23 PM |
Orca-man | $100.00 | $100.00 | 12/8/2009 5:08:28 PM |
fun2invest | $25.00 | $25.00 | 12/8/2009 5:10:46 PM |
CPAMAN | $25.00 | $25.00 | 12/8/2009 5:11:15 PM |
DRA-Properties | $25.00 | $25.00 | 12/8/2009 7:25:40 PM |
TigerForce | $25.00 | $25.00 | 12/8/2009 8:37:05 PM |
divedude | $25.00 | $25.00 | 12/8/2009 10:37:00 PM |
Headhunter14 | $25.00 | $25.00 | 12/8/2009 10:43:23 PM |
JUDAHiNVESTMENTGROUP | $25.00 | $25.00 | 12/8/2009 11:10:36 PM |
Dollars4Rent | $25.00 | $25.00 | 12/9/2009 8:11:20 AM |
galloping_unicorns_batman | $50.00 | $50.00 | 12/9/2009 8:36:24 AM |
duckbill_1972 | $25.00 | $25.00 | 12/9/2009 6:54:45 AM |
Premierelender | $25.00 | $25.00 | 12/9/2009 7:37:02 AM |
p2ploan-leaper | $50.00 | $50.00 | 12/9/2009 9:37:14 AM |
StrongMoney | $25.00 | $25.00 | 12/9/2009 9:39:07 AM |
Diver25 | $25.00 | $25.00 | 12/9/2009 9:39:14 AM |
aue513 | $25.00 | $25.00 | 12/9/2009 8:53:35 AM |
hanuman77 | $50.00 | $50.00 | 12/9/2009 9:38:44 AM |
visionary-community | $25.00 | $25.00 | 12/9/2009 9:37:45 AM |
MattTheGr8 | $25.00 | $25.00 | 12/9/2009 10:12:04 AM |
rulender | $50.00 | $50.00 | 12/9/2009 10:12:27 AM |
paekakariki | $25.00 | $25.00 | 12/9/2009 10:17:51 AM |
guaton | $25.00 | $25.00 | 12/9/2009 11:25:11 AM |
dansarkis | $25.00 | $25.00 | 12/9/2009 11:26:25 AM |
omerta6102 | $30.90 | $30.90 | 12/9/2009 10:56:37 AM |
cozy-note | $25.00 | $25.00 | 12/9/2009 11:01:54 AM |
bbrelo | $25.00 | $25.00 | 12/9/2009 12:10:41 PM |
yachtiegirl | $25.00 | $25.00 | 12/9/2009 12:31:44 PM |
MyKidsDad | $25.00 | $25.00 | 12/9/2009 12:13:04 PM |
divemaster | $25.00 | $25.00 | 12/9/2009 1:04:03 PM |
rokdim | $26.10 | $26.10 | 12/9/2009 12:38:04 PM |
Tasmir | $25.00 | $25.00 | 12/9/2009 12:39:56 PM |
gboftn | $25.00 | $25.00 | 12/9/2009 12:24:19 PM |
power-flow6 | $25.00 | $25.00 | 12/9/2009 1:20:51 PM |
knight3136 | $25.00 | $25.00 | 12/9/2009 1:21:06 PM |
3am-preacher | $25.00 | $25.00 | 12/9/2009 1:26:06 PM |
three-for-6 | $25.00 | $25.00 | 12/9/2009 1:39:37 PM |
deal-kung-fu | $25.00 | $25.00 | 12/9/2009 1:20:36 PM |
payout-carnival | $25.00 | $25.00 | 12/9/2009 1:20:43 PM |
gold-sushi | $25.00 | $25.00 | 12/9/2009 1:25:16 PM |
mizount | $25.00 | $25.00 | 12/9/2009 1:13:47 PM |
LEWK25 | $25.00 | $25.00 | 12/9/2009 1:20:46 PM |
interstellar | $50.00 | $50.00 | 12/9/2009 1:21:01 PM |
revenue-serenity | $25.00 | $25.00 | 12/9/2009 1:25:14 PM |
ColinREI | $50.00 | $50.00 | 12/9/2009 2:33:33 PM |
Ragestang | $25.00 | $25.00 | 12/9/2009 3:13:36 PM |
amijo | $25.00 | $25.00 | 12/9/2009 2:40:15 PM |
i3urtonair | $25.00 | $25.00 | 12/9/2009 3:22:28 PM |
davidc314 | $28.82 | $28.82 | 12/9/2009 3:32:55 PM |
icefish | $29.02 | $29.02 | 12/9/2009 3:55:08 PM |
IP | $50.00 | $50.00 | 12/9/2009 4:14:59 PM |
bomdel | $25.00 | $25.00 | 12/9/2009 4:22:18 PM |
DDHMoney | $25.00 | $25.00 | 12/9/2009 4:53:38 PM |
zbfamwl | $25.00 | $23.01 | 12/9/2009 7:21:48 PM |
rellotsf | $25.00 | $25.00 | 12/9/2009 6:12:07 PM |
kalyani74 | $50.00 | $50.00 | 12/9/2009 7:15:32 PM |
433 bids
|
Borrower Payment Dependent Notes Series
437067
This series of Notes was issued and sold upon the funding of the borrower loan #39998, 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:
| 8.0% |
Auction start date:
| Dec-07-2009 |
|
Auction end date:
| Dec-14-2009 |
|
Starting lender yield:
| 22.70% |
Starting borrower rate/APR:
| 23.70% / 27.57% |
Starting monthly payment:
| $39.08 |
Final lender yield:
| 21.00% |
Final borrower rate/APR:
| 22.00% / 25.83% |
Final monthly payment:
| $38.19 |
|
Auction yield range:
| 8.20% - 22.70% |
Estimated loss impact:
| 8.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.51% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| May-1984 |
Debt/Income ratio:
| 19% |
Credit score:
| 700-719 (Dec-2009) |
Current / open credit lines:
| 6
/
3 | Employment status: | Full-time employee |
Now delinquent:
| 4 |
Total credit lines:
| 33 | Length of status: | 10y 3m |
Amount delinquent:
| $2,326 |
Revolving credit balance:
| $39 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 7% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 5 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| keen-note9 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Auto loan for my sons first car.
Purpose of loan:
This loan will be used to help pay for my sons first car.? We have $1500 to put down but need a little more to buy the car.
My financial situation:
I have gone through a bankruptcy because of a failed business.? I have good income and my bills are inline with my plan.? According to the plan I can only borrow up to $1000 without court approval.
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
tnjohnso | $25.00 | $25.00 | 12/7/2009 4:32:42 PM |
robot777 | $40.00 | $40.00 | 12/7/2009 5:13:49 PM |
the-profit-oracle | $25.00 | $25.00 | 12/7/2009 5:45:45 PM |
Bob450 | $25.00 | $25.00 | 12/7/2009 8:54:19 PM |
Bender | $35.39 | $35.39 | 12/8/2009 7:27:06 AM |
GS-ROCK | $25.00 | $25.00 | 12/9/2009 5:13:20 PM |
IPG1 | $25.00 | $25.00 | 12/10/2009 4:19:54 PM |
mckhbnpc | $30.00 | $30.00 | 12/12/2009 9:10:39 AM |
funds-razor3 | $25.00 | $25.00 | 12/12/2009 6:21:02 PM |
marwadi-62 | $25.00 | $25.00 | 12/13/2009 1:08:09 PM |
DenimCapital | $25.00 | $25.00 | 12/13/2009 7:55:13 PM |
GInBaghdad | $25.00 | $25.00 | 12/14/2009 8:56:18 AM |
YoungTaxMan | $25.63 | $25.63 | 12/14/2009 10:57:00 AM |
just-trade0 | $36.00 | $9.60 | 12/14/2009 12:38:53 PM |
gothampark | $25.00 | $25.00 | 12/14/2009 3:22:43 PM |
goodhearted-basis4 | $25.00 | $25.00 | 12/14/2009 4:22:45 PM |
cordial-integrity | $75.00 | $75.00 | 12/14/2009 4:27:16 PM |
helping-out | $40.00 | $40.00 | 12/8/2009 3:59:12 PM |
impartial-deal | $25.00 | $25.00 | 12/11/2009 12:17:05 PM |
Eeshabala | $25.00 | $25.00 | 12/11/2009 7:24:55 PM |
The-CAPS-fan | $42.00 | $42.00 | 12/12/2009 4:33:05 PM |
matthewa | $25.00 | $25.00 | 12/12/2009 8:01:49 PM |
Ven58 | $25.00 | $25.00 | 12/12/2009 4:33:10 PM |
nalaari | $46.57 | $46.57 | 12/14/2009 9:36:31 AM |
joudsa | $25.00 | $25.00 | 12/14/2009 10:36:48 AM |
asdf9876 | $100.00 | $100.00 | 12/14/2009 12:10:23 PM |
yerkster1 | $25.81 | $25.81 | 12/14/2009 2:36:13 PM |
wild-orange | $25.00 | $25.00 | 12/14/2009 1:44:16 PM |
caddy5662 | $25.00 | $25.00 | 12/14/2009 3:38:07 PM |
Nicksr | $50.00 | $50.00 | 12/14/2009 3:58:48 PM |
kinetic-social | $30.00 | $30.00 | 12/14/2009 4:21:14 PM |
31 bids
|
Borrower Payment Dependent Notes Series
437097
This series of Notes was issued and sold upon the funding of the borrower loan #40044, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Dec-07-2009 |
|
Auction end date:
| Dec-14-2009 |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
Final lender yield:
| 32.00% |
Final borrower rate/APR:
| 33.00% / 35.42% |
Final monthly payment:
| $132.33 |
|
Auction yield range:
| 17.20% - 34.00% |
Estimated loss impact:
| 19.88% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.12% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 40% |
Credit score:
| 660-679 (Nov-2009) |
Current / open credit lines:
| 18
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 36 | Length of status: | 5y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $9,143 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 60% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 8 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| jodir04 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 600-619
(Dec-2007)
|
Principal balance:
| $442.66 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Let my debt make you money!
Purpose of loan:
We have worked very hard to get out of debt in the past 4 years.? We were going through a credit counseling agency but want to pay things off on our own without paying them a monthly fee every month just to pay our bills for us.? We would like a loan that will give us one payment and the date of it being paid off in 3 years.? This way our debt is paid off by a set deadline and we can watch our debt go away forever!? I had orignally asked for $20,000 to combine everything I owe into one loan, but under Prosper's recommendation I am only asking for $3,000.? This will allow me to pay off the things with the highest interest and then maybe work the other things onto Prosper later.? I love the idea of Prosper and peer to peer lending.? I would much rather be paying someone who is giving me a helping hand then paying a bank who is just in it to get as much money as possible.
My financial situation:
My family has had some bumps in the past, but has recovered.? I got a substantial raise early this year and my husband will be moved up to a management position at his job within the next 30 days.? We also now own our own home and want to be on stable financial ground.? One payment for all our debt would allow that.? We have never *not* paid something.? I take my debt and bills very seriously.? I want a stable life for my family and financial stability would be a major part of that.?
Monthly net income: $ 5,000
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $300
??Utilities: $?75
??Phone, cable, internet: $50
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?400 (This loan payment would 1/2 the credit card payment.? So I wouldn't be paying $400 to the credit cards and still need to?put money towards Prosper loan)
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hi, I commend you on your diligence in becoming debt free, keep it up and Merry Christmas - DasMula
A:
Thank you so much! Merry Christmas to you as well!
(Dec-10-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
Aberdeen | $300.00 | $300.00 | 12/7/2009 4:44:31 PM |
fortytwo | $150.00 | $150.00 | 12/7/2009 6:13:58 PM |
SolarMoonshine | $25.00 | $25.00 | 12/7/2009 7:15:35 PM |
Unitas4302 | $300.00 | $300.00 | 12/8/2009 5:34:45 PM |
DasMula | $100.00 | $100.00 | 12/9/2009 8:56:00 PM |
gabrielcharlie | $33.37 | $33.37 | 12/10/2009 9:26:59 AM |
jbloans | $25.00 | $25.00 | 12/10/2009 4:46:01 PM |
vest_vortex | $25.00 | $25.00 | 12/10/2009 8:04:26 PM |
unk1911 | $25.00 | $25.00 | 12/11/2009 5:12:42 PM |
bold-dynamic-silver | $25.00 | $25.00 | 12/11/2009 7:29:40 PM |
Tono | $50.00 | $50.00 | 12/12/2009 3:24:07 PM |
alaskakid | $34.00 | $34.00 | 12/13/2009 11:36:15 AM |
The-CAPS-fan | $50.00 | $50.00 | 12/12/2009 4:36:26 PM |
vest_vortex | $25.00 | $25.00 | 12/13/2009 9:41:14 AM |
Ehbiker | $55.98 | $55.98 | 12/13/2009 4:38:12 PM |
lender12345 | $50.00 | $50.00 | 12/13/2009 6:28:29 PM |
zydeco337 | $25.00 | $25.00 | 12/14/2009 1:01:08 AM |
PEDRO627 | $25.00 | $25.00 | 12/14/2009 8:51:54 AM |
piter-to-la-investment | $25.00 | $9.11 | 12/14/2009 11:43:43 AM |
fireferd | $50.00 | $50.00 | 12/14/2009 1:57:21 PM |
tigercat | $50.00 | $50.00 | 12/14/2009 11:53:45 AM |
TakeCare | $30.00 | $30.00 | 12/14/2009 1:53:02 PM |
quickstep | $150.00 | $150.00 | 12/14/2009 4:23:08 PM |
Bob450 | $25.00 | $25.00 | 12/7/2009 8:56:31 PM |
lender12345 | $25.00 | $25.00 | 12/9/2009 7:57:57 PM |
rubylender | $25.00 | $25.00 | 12/10/2009 5:37:55 PM |
the-profit-oracle | $25.00 | $25.00 | 12/11/2009 5:00:30 PM |
brother_tam | $100.00 | $100.00 | 12/12/2009 7:57:48 AM |
EEasyMoney | $25.00 | $25.00 | 12/12/2009 11:29:25 AM |
jgshinn | $25.00 | $25.00 | 12/12/2009 6:32:22 PM |
FrogAndToad | $25.00 | $25.00 | 12/13/2009 4:31:23 AM |
autonomous-power | $50.00 | $50.00 | 12/13/2009 5:02:50 AM |
CoolPlexer | $37.54 | $37.54 | 12/13/2009 7:39:33 AM |
deuce747 | $100.00 | $100.00 | 12/13/2009 10:58:28 PM |
Happy-Man | $25.00 | $25.00 | 12/13/2009 6:49:55 PM |
nala2821 | $25.00 | $25.00 | 12/14/2009 4:24:35 AM |
Kash2010lu | $25.00 | $25.00 | 12/14/2009 6:53:05 AM |
carrinel | $100.00 | $100.00 | 12/14/2009 8:09:18 AM |
lifelongreds | $50.00 | $50.00 | 12/14/2009 11:27:31 AM |
CaliforniaSun | $25.00 | $25.00 | 12/14/2009 2:04:59 PM |
yerkster1 | $50.00 | $50.00 | 12/14/2009 2:38:12 PM |
Feyenoord | $25.00 | $25.00 | 12/14/2009 12:13:04 PM |
Astyanax | $25.00 | $25.00 | 12/14/2009 1:51:03 PM |
SqueezeTheNeedy | $50.00 | $50.00 | 12/14/2009 3:57:28 PM |
PCity-LOA15 | $25.00 | $25.00 | 12/14/2009 4:12:36 PM |
DasMula | $100.00 | $100.00 | 12/14/2009 4:14:56 PM |
interloode | $200.00 | $200.00 | 12/14/2009 4:17:21 PM |
worldly-gold | $100.00 | $100.00 | 12/14/2009 4:26:29 PM |
cordial-integrity | $100.00 | $100.00 | 12/14/2009 4:27:41 PM |
49 bids
|
Borrower Payment Dependent Notes Series
437151
This series of Notes was issued and sold upon the funding of the borrower loan #40030, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Dec-07-2009 |
|
Auction end date:
| Dec-14-2009 |
|
Starting lender yield:
| 26.40% |
Starting borrower rate/APR:
| 27.40% / 30.01% |
Starting monthly payment:
| $61.56 |
Final lender yield:
| 26.40% |
Final borrower rate/APR:
| 27.40% / 30.01% |
Final monthly payment:
| $61.56 |
|
Auction yield range:
| 11.20% - 26.40% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.74% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-679 (Nov-2009) |
Current / open credit lines:
| 5
/
3 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 62 | Length of status: | 3y 6m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 13 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| turbine160 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 660-679
(Oct-2009)
640-659
(Sep-2008)
|
Principal balance:
| $1,817.01 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
Remodel Bedroom
Purpose of loan:
This loan will be used to? Remodel spare bedroom for my husband who is handicapped.The carpet in his room needs to be replaced with a tile floor and the doorway needs to be bigger to accommodate his wheelchair.
My financial situation:
I am a good candidate for this loan because? I have a current prosper loan which I have not been late on any payments.I budget my money and pay my bills on time.I had some history of late payments related to large amount of medical bills because my husband was ill.We had to file bankruptcy due to the large amount of medical bills.He has since established good insurance and I am able to pay the bills on time.My approximate monthly bills averages around $1100.00 per month.So I will be able to afford to make a payment on a loan.
Monthly net income: $ $2500
Monthly expenses: $
??Housing: $ 421
??Insurance: $ 90
??Car expenses: $ 80
??Utilities: $ 100
??Phone, cable, internet: $ 90
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 113
??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) |
|
five-star-note | $45.00 | $45.00 | 12/7/2009 4:41:05 PM |
Unitas4302 | $200.00 | $200.00 | 12/7/2009 4:50:16 PM |
heroic-benefit | $45.12 | $31.25 | 12/9/2009 9:20:59 PM |
the-profit-oracle | $25.00 | $25.00 | 12/10/2009 3:28:30 PM |
jgar_O | $25.00 | $25.00 | 12/13/2009 6:19:56 PM |
Kash2010lu | $25.00 | $25.00 | 12/14/2009 6:52:48 AM |
DenimCapital | $25.00 | $25.00 | 12/13/2009 7:50:32 PM |
five-star-note | $50.00 | $50.00 | 12/14/2009 7:59:29 AM |
DasMula | $250.00 | $250.00 | 12/14/2009 4:24:16 PM |
DasMula | $25.00 | $25.00 | 12/14/2009 4:25:18 PM |
Feyenoord | $25.00 | $25.00 | 12/14/2009 4:22:11 PM |
DasMula | $25.00 | $25.00 | 12/14/2009 4:24:42 PM |
five-star-note | $25.00 | $25.00 | 12/7/2009 5:18:21 PM |
loyalist1 | $25.00 | $25.00 | 12/7/2009 5:39:10 PM |
wise-balanced-moola | $25.00 | $25.00 | 12/8/2009 11:20:46 AM |
Bob450 | $25.00 | $25.00 | 12/8/2009 9:07:04 PM |
DasMula | $100.00 | $100.00 | 12/9/2009 9:07:47 PM |
drkosh | $25.00 | $25.00 | 12/13/2009 8:58:38 AM |
scho0590 | $118.97 | $118.97 | 12/13/2009 11:04:23 AM |
zone6 | $100.00 | $100.00 | 12/14/2009 9:51:27 AM |
zone6 | $104.78 | $104.78 | 12/14/2009 2:15:24 PM |
interloode | $200.00 | $200.00 | 12/14/2009 4:16:09 PM |
22 bids
|
Borrower Payment Dependent Notes Series
437335
This series of Notes was issued and sold upon the funding of the borrower loan #39995, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Dec-07-2009 |
|
Auction end date:
| Dec-14-2009 |
|
Starting lender yield:
| 30.34% |
Starting borrower rate/APR:
| 31.34% / 33.74% |
Starting monthly payment:
| $215.94 |
Final lender yield:
| 30.34% |
Final borrower rate/APR:
| 31.34% / 33.74% |
Final monthly payment:
| $215.94 |
|
Auction yield range:
| 17.20% - 30.34% |
Estimated loss impact:
| 19.78% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.56% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 740-759 (Nov-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Self-employed |
Now delinquent:
| 1 |
Total credit lines:
| 20 | Length of status: | 14y 11m |
Amount delinquent:
| $1,399 |
Revolving credit balance:
| $270 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 6 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| webuyhosts |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 33 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 740-759
(Oct-2009)
660-679
(Jul-2009)
640-659
(Apr-2009)
640-659
(Jan-2008)
|
Principal balance:
| $2,283.06 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
Buying 1.6 acres with school house
Iam upset, this is my 3rd loan and i didnt change any settings since i signup , this will be my 3rd loan, iam self employed and they had me listed as full time which i am self employeed full time. Today after this loan funded prosper emailed me and said they needed w-2 , i do have a w-2 but i take out a small amount and take the rest in dividends every month, they said they cant accept that , they canceled my listing. I hope we can still fund this, thank you for looking
This is our 3rd loan total with prosper . Purpose of loan: We are buying 1.6 acres of land? and it comes with a 1903 school house. Our future plans is to rebuild the school house from the ground up , we will pay an architect?to make new floor plans for rebuilding the school house from the ground up. This is a 10 year project for us, but we really have the passion to own this peice of land and have the floor plans redone before this old school house crumbles. I have had loans and have an active one now with prosper and always have paid them off? and payed on time. If you have any questions please reply to me , we look forward to getting this loan.??
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Congratulations for 33 on time payments and a 60 point credit score rise. I can't see why P took you to a HR from C, everything is better. Would you explain the 1 dq and how your cash flow will be after this funds. thanks JJ - quickstep
A:
thank you, i dont know why they rescored me from a c to hr, it makes no sense . The one Dq is an error by the credit agencys, if you check my last 7 yeras of late payments or dq, there isnt one, . I have written a letter to the credit agencys about this as well. This loan payment will not affect my cash flow at all, this is a easy payment for me to handle, thank you for bidding
(Dec-13-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
Aberdeen | $300.00 | $300.00 | 12/7/2009 4:44:35 PM |
reflective-rupee | $100.00 | $100.00 | 12/7/2009 4:45:07 PM |
quickstep | $100.00 | $100.00 | 12/7/2009 4:49:17 PM |
quickstep | $100.00 | $100.00 | 12/7/2009 4:49:47 PM |
reflective-rupee | $50.00 | $50.00 | 12/7/2009 7:15:28 PM |
quickstep | $50.00 | $50.00 | 12/8/2009 3:10:18 AM |
reflective-rupee | $150.00 | $150.00 | 12/8/2009 12:26:30 PM |
reflective-rupee | $50.00 | $50.00 | 12/9/2009 1:19:29 PM |
DasMula | $100.00 | $100.00 | 12/9/2009 9:23:15 PM |
five-star-note | $50.00 | $50.00 | 12/10/2009 9:47:33 AM |
well-mannered-income3 | $40.00 | $40.00 | 12/10/2009 2:54:11 PM |
Bob450 | $50.00 | $50.00 | 12/10/2009 8:59:17 PM |
quickstep | $50.00 | $50.00 | 12/11/2009 6:06:31 AM |
well-mannered-income3 | $40.00 | $40.00 | 12/11/2009 1:35:58 PM |
WMY-Investor | $250.00 | $250.00 | 12/11/2009 2:36:04 PM |
quickstep | $100.00 | $100.00 | 12/11/2009 8:00:32 PM |
reflective-rupee | $100.00 | $100.00 | 12/11/2009 8:52:55 PM |
quickstep | $25.00 | $25.00 | 12/12/2009 4:53:41 AM |
well-mannered-income3 | $50.00 | $50.00 | 12/12/2009 2:36:40 PM |
Tono | $25.00 | $25.00 | 12/12/2009 3:57:52 PM |
mrreynol | $25.00 | $25.00 | 12/12/2009 7:16:42 PM |
DeilaMiah | $50.00 | $50.00 | 12/13/2009 12:34:06 PM |
quickstep | $25.00 | $4.19 | 12/13/2009 6:19:42 AM |
well-mannered-income3 | $40.00 | $40.00 | 12/13/2009 4:48:49 PM |
worldly-gold | $100.00 | $100.00 | 12/13/2009 8:22:26 AM |
lender12345 | $50.00 | $50.00 | 12/13/2009 6:43:35 PM |
impartial-deal | $25.00 | $25.00 | 12/13/2009 8:34:26 PM |
a-reasonable-return | $25.00 | $25.00 | 12/14/2009 9:00:44 AM |
CAGE-Investments | $25.00 | $25.00 | 12/14/2009 8:00:56 AM |
supreme-hope | $25.00 | $25.00 | 12/14/2009 12:50:03 PM |
well-mannered-income3 | $50.00 | $50.00 | 12/14/2009 1:36:29 PM |
supreme-justice3 | $100.00 | $100.00 | 12/14/2009 12:35:47 PM |
worldly-gold | $100.00 | $100.00 | 12/14/2009 3:18:30 PM |
shawnw2 | $25.00 | $25.00 | 12/14/2009 2:25:21 PM |
Feyenoord | $25.00 | $25.00 | 12/14/2009 1:57:52 PM |
worldly-gold | $100.00 | $100.00 | 12/14/2009 2:07:13 PM |
The-CAPS-fan | $50.00 | $50.00 | 12/14/2009 2:15:04 PM |
shrewd-income | $50.00 | $50.00 | 12/14/2009 3:52:44 PM |
DasMula | $100.00 | $100.00 | 12/14/2009 4:17:24 PM |
reflective-rupee | $100.00 | $100.00 | 12/7/2009 4:44:49 PM |
quickstep | $100.00 | $100.00 | 12/7/2009 4:50:06 PM |
reflective-rupee | $100.00 | $100.00 | 12/7/2009 4:45:25 PM |
SolarMoonshine | $50.00 | $50.00 | 12/7/2009 6:06:00 PM |
trade-guru938 | $25.00 | $25.00 | 12/7/2009 8:28:08 PM |
quickstep | $50.00 | $50.00 | 12/8/2009 1:49:43 PM |
pietro_torna_indietro | $25.00 | $25.00 | 12/8/2009 8:54:53 PM |
quickstep | $50.00 | $50.00 | 12/9/2009 4:02:41 AM |
well-mannered-income3 | $50.00 | $50.00 | 12/9/2009 7:56:26 AM |
well-mannered-income3 | $40.00 | $40.00 | 12/9/2009 12:55:18 PM |
quickstep | $50.00 | $50.00 | 12/9/2009 1:31:49 PM |
brondero | $150.00 | $150.00 | 12/10/2009 9:13:57 AM |
brondero | $50.00 | $50.00 | 12/10/2009 9:15:08 AM |
quickstep | $100.00 | $100.00 | 12/11/2009 8:19:15 PM |
MoneyForNothing | $25.00 | $25.00 | 12/12/2009 7:40:51 AM |
reflective-rupee | $100.00 | $100.00 | 12/12/2009 8:01:50 AM |
brother_tam | $200.00 | $200.00 | 12/12/2009 7:58:39 AM |
BrianCU15 | $25.00 | $25.00 | 12/13/2009 6:57:47 PM |
eman48 | $35.81 | $35.81 | 12/13/2009 7:20:18 PM |
Kash2010lu | $25.00 | $25.00 | 12/14/2009 6:51:46 AM |
sensible-fund | $50.00 | $50.00 | 12/14/2009 6:17:41 AM |
zone6 | $100.00 | $100.00 | 12/14/2009 9:43:40 AM |
zone6 | $100.00 | $100.00 | 12/14/2009 9:45:40 AM |
carrinel | $100.00 | $100.00 | 12/14/2009 10:50:31 AM |
PCity-LOA15 | $25.00 | $25.00 | 12/14/2009 10:05:58 AM |
whittlesey31 | $25.00 | $25.00 | 12/14/2009 2:00:32 PM |
fireferd | $50.00 | $50.00 | 12/14/2009 1:59:41 PM |
371millwood | $200.00 | $200.00 | 12/14/2009 2:39:57 PM |
transparency-tomahawk | $50.00 | $50.00 | 12/14/2009 3:43:48 PM |
interloode | $200.00 | $200.00 | 12/14/2009 4:15:29 PM |
69 bids
|
Borrower Payment Dependent Notes Series
437925
This series of Notes was issued and sold upon the funding of the borrower loan #40047, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-11-2009 |
|
Auction end date:
| Dec-17-2009 |
|
Starting lender yield:
| 9.85% |
Starting borrower rate/APR:
| 10.85% / 14.43% |
Starting monthly payment:
| $32.67 |
Final lender yield:
| 7.35% |
Final borrower rate/APR:
| 8.35% / 11.88% |
Final monthly payment:
| $31.50 |
|
Auction yield range:
| 4.20% - 9.85% |
Estimated loss impact:
| 2.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.24% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Oct-1992 |
Debt/Income ratio:
| 10% |
Credit score:
| 740-759 (Dec-2009) |
Current / open credit lines:
| 12
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 13 | Length of status: | 12y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,442 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 27% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| HotRodw2002 |
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% )
| 740-759 (Latest)
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 760-779
(Jun-2008)
|
Principal balance:
| $553.32 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
for personal reasons
This is a personal loan I am seeking that I want to pay off in twelve months: with first payment due Aug. 1, 2008
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
impartial-deal | $25.00 | $25.00 | 12/11/2009 3:10:08 PM |
EmeritusX | $25.00 | $25.00 | 12/11/2009 3:09:54 PM |
dontscrewmeover1 | $100.00 | $100.00 | 12/11/2009 4:27:10 PM |
thegreatstrafe | $25.00 | $25.00 | 12/15/2009 4:45:31 PM |
auction-elvis | $25.00 | $25.00 | 12/15/2009 8:32:34 PM |
portfolio-zone801 | $25.00 | $25.00 | 12/15/2009 8:38:29 PM |
rmachi | $25.00 | $25.00 | 12/15/2009 9:28:58 PM |
coloradoloanman | $25.00 | $25.00 | 12/15/2009 8:13:53 PM |
tisiphone | $25.00 | $25.00 | 12/16/2009 7:54:19 AM |
red-favorable-basis | $25.00 | $25.00 | 12/16/2009 12:43:11 AM |
five-star-note | $30.00 | $30.00 | 12/15/2009 9:53:38 PM |
Artist_Blue | $25.00 | $25.00 | 12/16/2009 8:29:26 AM |
PrinceValium | $25.00 | $25.00 | 12/16/2009 10:05:38 AM |
AmericanCredit | $25.00 | $25.00 | 12/16/2009 10:51:53 AM |
danthemon35 | $25.00 | $25.00 | 12/16/2009 7:13:52 AM |
gracej | $25.00 | $25.00 | 12/16/2009 3:19:18 PM |
houli123 | $100.00 | $100.00 | 12/16/2009 12:53:29 PM |
highcountry1 | $25.00 | $20.00 | 12/16/2009 4:22:01 PM |
LittleMingo | $25.00 | $25.00 | 12/14/2009 10:18:22 AM |
fireboss | $25.00 | $25.00 | 12/15/2009 8:20:59 PM |
silverloan | $25.00 | $25.00 | 12/15/2009 9:24:02 PM |
tuneman1980 | $25.00 | $25.00 | 12/15/2009 8:58:42 PM |
HunterSix | $25.00 | $25.00 | 12/16/2009 12:16:22 AM |
DukSerduk | $25.00 | $25.00 | 12/15/2009 9:53:46 PM |
supreme-hope | $25.00 | $25.00 | 12/16/2009 12:48:04 AM |
benjamins-voyage | $25.00 | $25.00 | 12/15/2009 11:58:27 PM |
Lipari | $25.00 | $25.00 | 12/16/2009 1:09:22 AM |
VWA_to_the_Rescue | $25.00 | $25.00 | 12/16/2009 10:48:42 AM |
Gunny89 | $25.00 | $25.00 | 12/16/2009 5:05:27 AM |
brightest-durability-chomper | $25.00 | $25.00 | 12/16/2009 10:52:37 AM |
alpinaut | $25.00 | $25.00 | 12/16/2009 5:38:59 AM |
the-profit-oracle | $25.00 | $25.00 | 12/16/2009 6:27:49 PM |
springpanda | $50.00 | $50.00 | 12/16/2009 9:25:20 PM |
33 bids
|
Borrower Payment Dependent Notes Series
437951
This series of Notes was issued and sold upon the funding of the borrower loan #40033, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Dec-14-2009 |
|
Auction end date:
| Dec-15-2009 |
|
Starting lender yield:
| 26.40% |
Starting borrower rate/APR:
| 27.40% / 29.74% |
Starting monthly payment:
| $82.08 |
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $81.01 |
|
Auction yield range:
| 11.20% - 26.40% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.77% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Jun-2004 |
Debt/Income ratio:
| 24% |
Credit score:
| 640-659 (Dec-2009) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 2y 9m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,013 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 93% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| njr31 |
Borrower's state:
| Missouri |
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
Need fixed rate/fixed term
Purpose of loan:
This loan will be used to? pay off high interest credit card account that the lender (Chase)?closed for reasons unknown to me, raise my credit score, lower my bankcard utilization % and make this balance a?fixed interest?rate with a fixed term. The current rate is above 29.99%.
My financial situation:
I am a good candidate for this loan because? my lack of delinquant payments should clearly reflect my level of financial responsibility. I have secondary income in the amount of $6000 yearly not recorded on W-2's from construction and maintenance. Credit card debt and bankcard utilization varies?greatly month to month so my credit score does as well.
Monthly net income: $ 2500
Monthly expenses: $ 1835
??Housing: $ 718
??Insurance: $?wife pays this?
??Car expenses: $ 285?
??Utilities: $ 150
??Phone, cable, internet: $
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 382
??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) |
|
yeti888 | $25.00 | $25.00 | 12/14/2009 4:07:52 PM |
tearingstar | $25.00 | $25.00 | 12/14/2009 4:00:57 PM |
GOPHERBOY | $25.00 | $25.00 | 12/14/2009 4:02:44 PM |
integrity-doctor | $50.00 | $50.00 | 12/14/2009 4:13:06 PM |
AF-Chief | $28.00 | $28.00 | 12/14/2009 4:29:22 PM |
steves73 | $25.00 | $25.00 | 12/14/2009 4:29:42 PM |
heroic-benefit | $50.00 | $50.00 | 12/14/2009 4:29:54 PM |
GElender | $25.00 | $25.00 | 12/14/2009 4:33:34 PM |
loan-master996 | $50.00 | $50.00 | 12/14/2009 4:34:02 PM |
elegant-bonus | $25.00 | $25.00 | 12/14/2009 4:39:02 PM |
charming-point | $200.00 | $200.00 | 12/14/2009 4:39:05 PM |
UT-Longhorn | $25.00 | $25.00 | 12/14/2009 4:32:27 PM |
orange-vigilance-shower | $25.00 | $25.00 | 12/14/2009 4:33:01 PM |
EnigmaNYC-29 | $25.00 | $25.00 | 12/14/2009 4:29:27 PM |
building_community | $25.00 | $25.00 | 12/14/2009 4:34:28 PM |
andrewnar | $25.00 | $25.00 | 12/14/2009 4:34:41 PM |
fund-medalist171 | $25.00 | $25.00 | 12/14/2009 4:34:56 PM |
exact-loan5 | $30.00 | $30.00 | 12/14/2009 4:34:11 PM |
SolarMoonshine | $25.00 | $25.00 | 12/14/2009 5:59:43 PM |
EngineersAlliance | $75.00 | $75.00 | 12/14/2009 4:51:05 PM |
hellasow | $25.00 | $25.00 | 12/14/2009 4:56:43 PM |
helping-out | $25.00 | $25.00 | 12/14/2009 6:10:39 PM |
vest_vortex | $25.00 | $25.00 | 12/14/2009 5:46:00 PM |
melodious-fairness | $25.00 | $25.00 | 12/14/2009 8:03:13 PM |
finance-vault | $25.00 | $25.00 | 12/14/2009 9:33:47 PM |
five-star-note | $40.00 | $40.00 | 12/14/2009 4:07:57 PM |
dime-reaction | $25.00 | $25.00 | 12/14/2009 4:03:10 PM |
djh47a | $25.00 | $25.00 | 12/14/2009 4:12:45 PM |
benjamins-voyage | $25.00 | $25.00 | 12/14/2009 4:03:47 PM |
Learning2Lend | $50.00 | $50.00 | 12/14/2009 4:03:05 PM |
Lam0nt | $25.00 | $25.00 | 12/14/2009 4:07:41 PM |
slartibardfast | $25.00 | $25.00 | 12/14/2009 4:12:54 PM |
bnlforever | $25.00 | $25.00 | 12/14/2009 4:12:58 PM |
divedude | $25.00 | $25.00 | 12/14/2009 4:33:06 PM |
sloan | $25.00 | $25.00 | 12/14/2009 4:33:25 PM |
truth-eclair | $25.00 | $25.00 | 12/14/2009 4:33:30 PM |
louisianalender | $100.00 | $100.00 | 12/14/2009 4:33:51 PM |
yield-lion | $25.00 | $25.00 | 12/14/2009 4:35:37 PM |
treasure-bliss | $100.00 | $100.00 | 12/14/2009 4:35:51 PM |
Havana21 | $25.00 | $25.00 | 12/14/2009 4:35:55 PM |
desertoasis | $50.00 | $50.00 | 12/14/2009 4:29:09 PM |
melodious-fairness | $25.00 | $25.00 | 12/14/2009 4:29:29 PM |
penny-surgeon | $25.00 | $25.00 | 12/14/2009 4:38:16 PM |
puifais | $25.00 | $25.00 | 12/14/2009 4:38:20 PM |
Supernick | $25.00 | $25.00 | 12/14/2009 4:38:25 PM |
Artist_Blue | $25.00 | $25.00 | 12/14/2009 4:38:31 PM |
burgeoning-silver | $25.00 | $25.00 | 12/14/2009 4:38:57 PM |
DRA-Properties | $25.00 | $25.00 | 12/14/2009 4:31:47 PM |
affluence-tycoon | $25.00 | $25.00 | 12/14/2009 4:33:19 PM |
secobarbital | $25.00 | $25.00 | 12/14/2009 4:33:43 PM |
principal-kung-fu | $25.00 | $25.00 | 12/14/2009 4:34:17 PM |
greenwell | $25.00 | $25.00 | 12/14/2009 4:33:57 PM |
Bank42 | $50.00 | $50.00 | 12/14/2009 4:34:06 PM |
capital-amplifier | $25.00 | $25.00 | 12/14/2009 4:38:35 PM |
the-silver-blaster | $38.45 | $2.00 | 12/14/2009 4:39:09 PM |
UCLA4life | $25.00 | $25.00 | 12/14/2009 4:52:27 PM |
impartial-deal | $25.00 | $25.00 | 12/14/2009 5:06:59 PM |
vest_vortex | $25.00 | $25.00 | 12/14/2009 5:45:37 PM |
felicity-daydream | $25.00 | $25.00 | 12/15/2009 7:24:18 AM |
59 bids
|
Borrower Payment Dependent Notes Series
435672
This series of Notes was issued and sold upon the funding of the borrower loan #40038, 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:
| Dec-04-2009 |
|
Auction end date:
| Dec-10-2009 |
|
Starting lender yield:
| 26.40% |
Starting borrower rate/APR:
| 27.40% / 29.74% |
Starting monthly payment:
| $102.60 |
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $101.26 |
|
Auction yield range:
| 11.20% - 26.40% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.77% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Sep-2006 |
Debt/Income ratio:
| 17% |
Credit score:
| 640-659 (Nov-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 7 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,507 |
Occupation: | Engineer - Mechanic... |
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:
| 1 | | | | |
Screen name:
| dough-caravan |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Moving Back to school
Purpose of loan:
I have recently proposed to my girlfriend of 4 years who just got into grad school at the university I attend in Boston. We had to find our first place together up there which was a new experience for the two of us. With all of these life changing events going on I forgot to file my normal paper work for paying for school in a timely manner. This loan will just help to cover expenses of moving and getting set up before my money clears in January.
My financial situation:
I'm a good candidate because I have been working hard to start my life off on the right foot but have just come up a little short right now. The money to repay the amount I am asking for will be cleared in my account by the end of January, the problem is I need it sooner.
Monthly net income: $
2,500
Monthly expenses: $
??Housing: $
700
??Insurance: $
13
??Car expenses: $
0
??Utilities: $
25
??Phone, cable, internet: $
25
??Food, entertainment: $
300
??Clothing, household expenses $
300
??Credit cards and other loans: $
20
??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) |
|
AlexTrep | $25.00 | $25.00 | 12/4/2009 4:58:47 PM |
towering-platinum3 | $25.00 | $25.00 | 12/4/2009 4:58:37 PM |
building_community | $25.00 | $25.00 | 12/4/2009 4:58:44 PM |
yeti888 | $25.00 | $25.00 | 12/4/2009 5:07:41 PM |
SweetHoneyPot | $25.00 | $25.00 | 12/4/2009 5:27:02 PM |
sharkm | $25.00 | $25.00 | 12/4/2009 5:36:19 PM |
Artist_Blue | $25.00 | $25.00 | 12/4/2009 5:38:26 PM |
AF-Chief | $28.00 | $28.00 | 12/4/2009 5:39:54 PM |
capital-amplifier | $25.00 | $25.00 | 12/4/2009 5:38:39 PM |
jhouman | $25.00 | $25.00 | 12/4/2009 5:40:09 PM |
burgeoning-silver | $25.00 | $25.00 | 12/4/2009 5:42:12 PM |
five-star-note | $25.00 | $25.00 | 12/4/2009 7:22:41 PM |
DER | $50.00 | $50.00 | 12/4/2009 7:18:05 PM |
alex189a | $25.00 | $25.00 | 12/4/2009 9:42:45 PM |
red-favorable-basis | $25.00 | $25.00 | 12/4/2009 7:22:59 PM |
rmachi | $25.00 | $25.00 | 12/4/2009 11:07:03 PM |
Bob450 | $25.00 | $25.00 | 12/4/2009 11:07:34 PM |
MylesNH | $25.00 | $25.00 | 12/5/2009 1:32:19 AM |
czar3 | $25.00 | $25.00 | 12/5/2009 8:17:26 AM |
Tammy102800 | $25.00 | $25.00 | 12/5/2009 8:47:46 AM |
hellasow | $25.00 | $25.00 | 12/6/2009 11:33:10 AM |
marwadi-62 | $50.00 | $50.00 | 12/6/2009 3:48:05 PM |
generous-deal6 | $25.00 | $25.00 | 12/6/2009 6:53:51 PM |
Brown98 | $25.00 | $25.00 | 12/7/2009 10:04:35 AM |
unk1911 | $25.00 | $25.00 | 12/7/2009 10:34:50 AM |
sunshinysmiles | $25.00 | $25.00 | 12/7/2009 12:20:01 PM |
forthright-dedication | $25.00 | $25.00 | 12/7/2009 8:26:21 PM |
investment-zoo | $25.00 | $25.00 | 12/8/2009 5:20:56 AM |
Bocephus1959 | $25.00 | $25.00 | 12/8/2009 11:27:45 AM |
Thunder08 | $25.00 | $25.00 | 12/8/2009 3:48:44 PM |
silverloan | $33.46 | $33.46 | 12/9/2009 7:36:53 AM |
wwwUniversal | $25.00 | $25.00 | 12/9/2009 6:47:50 PM |
coin-investor | $25.00 | $25.00 | 12/4/2009 4:58:38 PM |
elegant-bonus | $25.00 | $25.00 | 12/4/2009 4:58:57 PM |
bondhedger | $25.00 | $25.00 | 12/4/2009 5:10:42 PM |
asiaratt | $100.00 | $100.00 | 12/4/2009 5:34:39 PM |
penny-surgeon | $25.00 | $25.00 | 12/4/2009 5:34:34 PM |
puifais | $25.00 | $25.00 | 12/4/2009 5:34:58 PM |
Supernick | $25.00 | $25.00 | 12/4/2009 5:35:15 PM |
treasure-bliss | $100.00 | $100.00 | 12/4/2009 5:36:57 PM |
supreme-hope | $25.00 | $25.00 | 12/4/2009 5:39:47 PM |
the-profit-oracle | $25.00 | $25.00 | 12/4/2009 5:55:15 PM |
glimmering-point | $25.00 | $25.00 | 12/4/2009 9:27:34 PM |
loan-scientist8 | $25.00 | $25.00 | 12/5/2009 3:47:01 AM |
spsavage | $25.00 | $25.00 | 12/5/2009 6:22:31 AM |
Johnab | $26.00 | $26.00 | 12/5/2009 6:41:12 AM |
HarryRoberts | $50.00 | $50.00 | 12/5/2009 8:47:13 AM |
halothane_logic | $25.00 | $25.00 | 12/5/2009 8:47:34 AM |
a-resplendent-commitment | $25.00 | $25.00 | 12/5/2009 9:08:26 AM |
charming-point | $200.00 | $200.00 | 12/5/2009 11:32:20 AM |
djh47a | $25.00 | $12.54 | 12/5/2009 12:58:10 PM |
jonn834 | $25.00 | $25.00 | 12/5/2009 4:59:56 PM |
Land_on_your_feet | $25.00 | $25.00 | 12/7/2009 11:08:06 AM |
russm011 | $50.00 | $50.00 | 12/7/2009 5:41:48 PM |
justice-hawk | $200.00 | $200.00 | 12/7/2009 7:40:51 PM |
reflective-rupee | $25.00 | $25.00 | 12/7/2009 11:44:45 PM |
reflective-rupee | $25.00 | $25.00 | 12/7/2009 11:44:37 PM |
BankofRon | $25.00 | $25.00 | 12/8/2009 7:09:21 AM |
matrix456 | $50.00 | $50.00 | 12/8/2009 12:50:57 PM |
professional-finance | $25.00 | $25.00 | 12/8/2009 5:19:28 PM |
superb-social | $50.00 | $50.00 | 12/8/2009 5:48:44 PM |
order-bee1 | $25.00 | $25.00 | 12/9/2009 12:59:31 AM |
creative-market5 | $125.00 | $125.00 | 12/9/2009 9:22:51 AM |
scroooge | $25.00 | $25.00 | 12/9/2009 2:33:22 PM |
loss-of-control | $25.00 | $25.00 | 12/9/2009 4:31:39 PM |
gpuck | $25.00 | $25.00 | 12/9/2009 4:41:44 PM |
justice-hawk | $50.00 | $50.00 | 12/9/2009 6:30:53 PM |
brilliant-balance | $25.00 | $25.00 | 12/9/2009 7:17:13 PM |
DonDiego | $25.00 | $25.00 | 12/9/2009 9:42:38 PM |
69 bids
|
Borrower Payment Dependent Notes Series
436520
This series of Notes was issued and sold upon the funding of the borrower loan #40041, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-03-2009 |
|
Auction end date:
| Dec-10-2009 |
|
Starting lender yield:
| 9.94% |
Starting borrower rate/APR:
| 10.94% / 14.52% |
Starting monthly payment:
| $32.71 |
Final lender yield:
| 9.40% |
Final borrower rate/APR:
| 10.40% / 13.97% |
Final monthly payment:
| $32.46 |
|
Auction yield range:
| 4.20% - 9.94% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.27% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Mar-2006 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Dec-2009) |
Current / open credit lines:
| 2
/
2 | Employment status: | Part-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 8 | Length of status: | 3y 4m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $81 |
Occupation: | Student - College S... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 16% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| funds-encore |
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
One Class Left for graduation
Purpose of loan:
This loan will be used to pay for a winter course needed for college graduation.
My financial situation:
I am a good candidate for this loan because the amount of the loan requested is low.?As a student?I have limited bills?and repayment will be a priority.?
Monthly net income: $ 500
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 20
??Clothing, household expenses $ 50
??Credit cards and other loans: $?20
??Other expenses: $ depends on necessity
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is your major and what type of job will you be seeking? - gourd6
A:
Im a history and political science major. I plan on teaching high school social studies.
(Dec-06-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
jayk63 | $25.00 | $25.00 | 12/6/2009 7:26:34 PM |
genuine-money3 | $50.00 | $50.00 | 12/7/2009 6:53:26 PM |
oldscratch72 | $25.00 | $25.00 | 12/7/2009 9:50:34 PM |
bazaar-nirvana | $25.00 | $25.00 | 12/8/2009 5:41:58 PM |
caseattle | $25.00 | $25.00 | 12/9/2009 5:18:07 PM |
methodical-loot | $25.00 | $25.00 | 12/9/2009 8:47:35 PM |
bondhedger | $100.00 | $100.00 | 12/9/2009 10:29:18 PM |
JPOPP | $40.00 | $40.00 | 12/10/2009 7:42:34 AM |
SoloX | $25.00 | $25.00 | 12/10/2009 8:47:22 AM |
Leshan | $50.00 | $50.00 | 12/10/2009 7:36:48 AM |
wild-orange | $25.00 | $25.00 | 12/10/2009 11:32:25 AM |
duckbill_1972 | $25.00 | $25.00 | 12/10/2009 1:40:39 PM |
ryan6853 | $25.00 | $25.00 | 12/10/2009 2:36:08 PM |
Astyanax | $25.00 | $25.00 | 12/10/2009 3:28:32 PM |
myduck | $55.00 | $55.00 | 12/10/2009 4:48:52 PM |
twuck | $30.00 | $30.00 | 12/8/2009 9:21:10 AM |
oldman68 | $25.00 | $25.00 | 12/10/2009 12:01:02 AM |
lyrisnox | $75.00 | $75.00 | 12/10/2009 8:10:57 AM |
abfab1723 | $25.00 | $25.00 | 12/10/2009 8:44:47 AM |
maineyankee | $25.00 | $25.00 | 12/10/2009 8:54:16 AM |
jybank | $25.00 | $25.00 | 12/10/2009 9:23:05 AM |
doacommish | $25.00 | $25.00 | 12/10/2009 7:21:23 AM |
plbquic | $25.00 | $25.00 | 12/10/2009 11:50:40 AM |
cardelt | $25.00 | $25.00 | 12/10/2009 12:51:25 PM |
rockhound84 | $25.00 | $25.00 | 12/10/2009 1:15:15 PM |
efficient-bid2 | $25.00 | $25.00 | 12/10/2009 4:12:58 PM |
The-CAPS-fan | $35.00 | $25.00 | 12/10/2009 4:21:19 PM |
friendinmoney | $25.00 | $25.00 | 12/10/2009 4:14:03 PM |
patriot384 | $50.00 | $50.00 | 12/10/2009 4:14:49 PM |
pedestrianme | $25.00 | $25.00 | 12/10/2009 4:22:48 PM |
30 bids
|
Borrower Payment Dependent Notes Series
436846
This series of Notes was issued and sold upon the funding of the borrower loan #39989, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-04-2009 |
|
Auction end date:
| Dec-11-2009 |
|
Starting lender yield:
| 9.85% |
Starting borrower rate/APR:
| 10.85% / 12.97% |
Starting monthly payment:
| $228.67 |
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $227.02 |
|
Auction yield range:
| 4.20% - 9.85% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.22% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Dec-2001 |
Debt/Income ratio:
| 25% |
Credit score:
| 720-739 (Dec-2009) |
Current / open credit lines:
| 14
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 20 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,247 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 31% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| unafraid-repayment4 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards & saving
Purpose of loan:
This loan will be used to? pay off existing credit card debt. Right now, I am paying more than the minimum payment on my credit card statements and have equal money in to the money out, paying debt. I am hoping to get a loan to assist me in saving a little bit more each month. I am planning to move in approximately seven (7) months, this loan will allow me to save some money to allow me to move without getting into any more debt. i'd also like the extra money for moving expenses.
My financial situation:
I am a good candidate for this loan because? I have a good paying job, full time, overtime every week, a raise twice a year, and a quarterly bonus. I am able to make monthly payments on time, pay off loans. For example, I own a car, am currently paying for my second. I put all or most of my money towards paying my bills and am smart about any purchases I make. I have all of my bills on auto-pay right out of my checking account.
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) |
|
neenerman | $25.00 | $25.00 | 12/4/2009 5:31:46 PM |
QuinMccoy | $25.00 | $25.00 | 12/4/2009 5:37:30 PM |
Artist_Blue | $25.00 | $25.00 | 12/4/2009 5:38:54 PM |
Marathoner | $25.00 | $25.00 | 12/4/2009 5:39:04 PM |
shamrocker | $25.00 | $25.00 | 12/4/2009 5:41:17 PM |
dontscrewmeover1 | $50.00 | $50.00 | 12/4/2009 5:58:50 PM |
elegant-bonus | $25.00 | $25.00 | 12/4/2009 5:41:56 PM |
burgeoning-silver | $25.00 | $25.00 | 12/4/2009 5:42:14 PM |
ml13 | $25.00 | $25.00 | 12/4/2009 9:20:07 PM |
cash-vault | $25.00 | $25.00 | 12/4/2009 9:46:04 PM |
Homeinvest | $25.00 | $25.00 | 12/5/2009 4:53:17 AM |
alpinaut | $25.00 | $25.00 | 12/5/2009 10:09:11 AM |
money-prophesy | $129.17 | $129.17 | 12/5/2009 10:15:50 AM |
the-profit-oracle | $25.00 | $25.00 | 12/5/2009 1:09:48 PM |
inqbus | $25.00 | $25.00 | 12/5/2009 4:28:50 PM |
patriot384 | $100.00 | $100.00 | 12/5/2009 2:48:42 PM |
fortytwo | $200.00 | $200.00 | 12/6/2009 4:18:26 AM |
GOPHERBOY | $65.00 | $65.00 | 12/6/2009 8:18:45 AM |
rosie777 | $25.00 | $25.00 | 12/6/2009 4:37:34 PM |
JohnGalt94 | $25.00 | $25.00 | 12/6/2009 4:52:47 PM |
integrity-doctor | $50.00 | $50.00 | 12/6/2009 5:02:25 PM |
five-star-note | $25.00 | $25.00 | 12/6/2009 10:08:44 PM |
hptcrabbers | $25.00 | $25.00 | 12/6/2009 9:12:28 PM |
alex189a | $25.00 | $25.00 | 12/7/2009 12:08:16 AM |
orbiter614 | $25.00 | $25.00 | 12/7/2009 12:09:09 AM |
wealth-cloud | $25.00 | $25.00 | 12/7/2009 6:24:19 AM |
harnobuff | $25.00 | $25.00 | 12/7/2009 12:09:38 AM |
JeffHoll | $100.00 | $100.00 | 12/7/2009 10:15:39 AM |
wise-agile-investment | $25.00 | $25.00 | 12/7/2009 10:16:09 AM |
brightest-income-hunter | $25.00 | $25.00 | 12/7/2009 10:01:24 AM |
doublediamond | $50.00 | $50.00 | 12/7/2009 10:39:14 AM |
stable-nickel | $85.00 | $85.00 | 12/7/2009 10:56:47 AM |
Buffer10 | $200.00 | $200.00 | 12/7/2009 10:57:42 AM |
availableloan | $25.00 | $25.00 | 12/7/2009 10:15:06 AM |
Mostyle | $25.00 | $25.00 | 12/7/2009 12:37:57 PM |
MO_Investor | $25.00 | $25.00 | 12/7/2009 11:17:28 AM |
AdamDB | $25.00 | $25.00 | 12/7/2009 11:57:12 AM |
balance-chestnut | $25.00 | $25.00 | 12/7/2009 12:32:17 PM |
famous-community8 | $25.00 | $25.00 | 12/7/2009 3:22:11 PM |
restless-currency | $25.00 | $25.00 | 12/7/2009 3:35:33 PM |
thestartuplender | $35.00 | $35.00 | 12/7/2009 11:19:10 PM |
bigdogsafety1 | $25.00 | $25.00 | 12/7/2009 11:19:16 PM |
kulender | $25.00 | $25.00 | 12/7/2009 11:19:27 PM |
bigballer105 | $25.00 | $25.00 | 12/7/2009 11:20:12 PM |
sentimental-euro | $25.00 | $25.00 | 12/7/2009 11:20:44 PM |
fair-funds | $25.00 | $25.00 | 12/7/2009 11:19:48 PM |
adir1 | $25.00 | $25.00 | 12/7/2009 11:20:06 PM |
Kelor99 | $25.00 | $25.00 | 12/7/2009 11:36:23 PM |
nala2821 | $25.00 | $25.00 | 12/8/2009 6:11:58 AM |
lendacity | $25.00 | $25.00 | 12/8/2009 6:02:50 AM |
cozy-worth7 | $25.00 | $25.00 | 12/8/2009 6:03:35 AM |
18th_beachbum | $25.00 | $25.00 | 12/8/2009 9:44:27 AM |
urbanMisfit | $25.00 | $25.00 | 12/8/2009 9:46:11 AM |
rmpedi33 | $100.00 | $100.00 | 12/8/2009 10:45:55 AM |
repayment-chef | $25.00 | $25.00 | 12/8/2009 11:12:59 AM |
compoundinterest | $50.00 | $50.00 | 12/8/2009 11:45:26 AM |
ClearLake | $25.00 | $25.00 | 12/8/2009 11:55:34 AM |
gethsemane4 | $25.00 | $25.00 | 12/8/2009 11:55:58 AM |
tomchap | $25.00 | $25.00 | 12/8/2009 12:17:28 PM |
rulender | $50.00 | $50.00 | 12/8/2009 1:05:13 PM |
LongTail | $25.00 | $25.00 | 12/8/2009 1:39:15 PM |
Castellan | $25.00 | $25.00 | 12/8/2009 2:39:32 PM |
winlender | $25.00 | $25.00 | 12/8/2009 2:43:08 PM |
gourd6 | $25.00 | $25.00 | 12/8/2009 1:31:45 PM |
tallmon | $25.00 | $25.00 | 12/8/2009 2:50:31 PM |
julijask | $25.00 | $25.00 | 12/8/2009 2:52:29 PM |
sas19 | $25.00 | $25.00 | 12/8/2009 3:07:34 PM |
JGB | $25.00 | $25.00 | 12/8/2009 3:47:52 PM |
tolstoy00 | $25.00 | $25.00 | 12/8/2009 5:11:13 PM |
helping-out | $200.00 | $200.00 | 12/8/2009 5:28:16 PM |
RusRobo | $25.00 | $25.00 | 12/8/2009 8:22:11 PM |
divedude | $25.00 | $25.00 | 12/8/2009 10:36:57 PM |
mizount | $25.00 | $25.00 | 12/9/2009 5:16:52 AM |
UT-Longhorn | $25.00 | $25.00 | 12/9/2009 8:48:54 AM |
salala | $25.00 | $25.00 | 12/9/2009 9:12:39 AM |
TK4 | $25.00 | $25.00 | 12/9/2009 9:39:18 AM |
GyJAV_BNCCo | $50.00 | $50.00 | 12/9/2009 9:40:40 AM |
affluence-tycoon | $25.00 | $25.00 | 12/9/2009 10:12:23 AM |
reueljw | $25.00 | $25.00 | 12/9/2009 11:01:52 AM |
Ranch88 | $25.00 | $25.00 | 12/9/2009 10:47:49 AM |
Patter256 | $25.00 | $25.00 | 12/9/2009 12:10:27 PM |
dumbass | $25.00 | $25.00 | 12/9/2009 11:31:39 AM |
NATIVEBORN | $32.13 | $32.13 | 12/9/2009 12:40:44 PM |
paladin847 | $25.00 | $25.00 | 12/9/2009 1:09:48 PM |
cozy-note | $45.57 | $45.57 | 12/9/2009 3:22:25 PM |
BiggestG | $25.00 | $25.00 | 12/9/2009 3:44:14 PM |
morpholog | $25.00 | $25.00 | 12/9/2009 3:44:26 PM |
payout-backer2 | $25.00 | $25.00 | 12/9/2009 3:53:28 PM |
skvat | $25.00 | $25.00 | 12/9/2009 6:32:58 PM |
wwwUniversal | $25.00 | $25.00 | 12/9/2009 6:52:16 PM |
Zoomie | $25.00 | $25.00 | 12/9/2009 6:12:11 PM |
abidos | $25.00 | $25.00 | 12/9/2009 10:51:57 PM |
the-silver-blaster | $65.80 | $65.80 | 12/10/2009 4:57:08 AM |
CULPEPPERGROUP | $25.00 | $25.00 | 12/9/2009 9:12:00 PM |
slartibardfast | $28.37 | $28.37 | 12/10/2009 6:17:58 AM |
degster | $25.00 | $25.00 | 12/10/2009 6:28:49 AM |
BlindProphet | $25.00 | $25.00 | 12/9/2009 9:53:11 PM |
BaxterEvil | $25.00 | $25.00 | 12/10/2009 8:17:08 AM |
Divot | $25.00 | $25.00 | 12/10/2009 12:16:50 AM |
anton | $50.00 | $50.00 | 12/10/2009 8:23:10 AM |
tuneman1980 | $25.00 | $25.00 | 12/10/2009 5:16:57 AM |
Sid-K | $25.00 | $25.00 | 12/10/2009 8:57:26 AM |
reinforced-reward | $25.00 | $25.00 | 12/10/2009 5:39:44 AM |
Natronpee | $25.00 | $25.00 | 12/10/2009 6:43:02 AM |
jybank | $25.00 | $25.00 | 12/10/2009 9:04:01 PM |
oldman68 | $25.00 | $25.00 | 12/10/2009 11:22:37 PM |
Share-the-wealth | $100.00 | $100.00 | 12/11/2009 6:59:18 AM |
CashBank | $25.00 | $25.00 | 12/11/2009 8:43:16 AM |
impartial-deal | $25.00 | $25.00 | 12/11/2009 11:17:39 AM |
TakeCare | $50.00 | $50.00 | 12/11/2009 10:10:43 AM |
MattProsper | $50.00 | $50.00 | 12/11/2009 11:29:35 AM |
VT2VA | $25.00 | $25.00 | 12/11/2009 1:01:08 PM |
Techne_Funds_LLC | $25.00 | $25.00 | 12/11/2009 4:59:17 PM |
triumphant-bonus | $26.36 | $26.36 | 12/11/2009 3:50:36 PM |
sharkm | $40.00 | $40.00 | 12/4/2009 5:36:13 PM |
sjlender | $25.00 | $25.00 | 12/4/2009 5:35:38 PM |
puifais | $25.00 | $25.00 | 12/4/2009 5:34:56 PM |
gold-commander0 | $50.00 | $50.00 | 12/4/2009 5:35:55 PM |
AF-Chief | $35.00 | $35.00 | 12/4/2009 5:39:42 PM |
gracej | $25.00 | $25.00 | 12/4/2009 5:41:47 PM |
auction-elvis | $25.00 | $25.00 | 12/5/2009 12:15:44 PM |
AlexTrep | $25.00 | $25.00 | 12/5/2009 7:45:58 PM |
the-debt-fluffy-bunny | $25.00 | $25.00 | 12/5/2009 11:17:26 PM |
Hexnut | $25.00 | $25.00 | 12/6/2009 11:56:22 AM |
rmachi | $25.00 | $25.00 | 12/6/2009 11:56:19 AM |
guardlender | $25.00 | $25.00 | 12/6/2009 5:41:11 PM |
generous-deal6 | $25.00 | $25.00 | 12/6/2009 6:51:12 PM |
cdv | $25.00 | $25.00 | 12/6/2009 9:52:35 PM |
dpfl55 | $25.00 | $25.00 | 12/7/2009 12:09:46 AM |
esabzb | $25.00 | $25.00 | 12/6/2009 10:27:44 PM |
justice-dna | $33.21 | $33.21 | 12/7/2009 12:09:36 AM |
DeilaMiah | $50.00 | $50.00 | 12/7/2009 10:15:18 AM |
Daheavy1 | $33.00 | $33.00 | 12/7/2009 10:17:27 AM |
cjames84 | $25.00 | $25.00 | 12/7/2009 9:39:33 AM |
ijspence | $25.00 | $25.00 | 12/7/2009 10:17:39 AM |
unk1911 | $25.00 | $25.00 | 12/7/2009 10:35:28 AM |
worthy-truth | $25.00 | $25.00 | 12/7/2009 10:36:20 AM |
LPSolutions | $25.00 | $25.00 | 12/7/2009 10:38:35 AM |
chumbawumba | $25.00 | $25.00 | 12/7/2009 11:37:17 AM |
dberry46 | $25.00 | $25.00 | 12/7/2009 10:39:04 AM |
BigLinCT | $50.00 | $50.00 | 12/7/2009 10:56:29 AM |
mlopez2007 | $100.00 | $100.00 | 12/7/2009 12:16:48 PM |
MiniBank998 | $25.00 | $25.00 | 12/7/2009 10:57:22 AM |
fund-medalist171 | $25.00 | $25.00 | 12/7/2009 10:58:32 AM |
Pickmar | $25.00 | $25.00 | 12/7/2009 1:09:58 PM |
badgermom | $25.00 | $25.00 | 12/7/2009 1:23:32 PM |
JJS180 | $25.00 | $25.00 | 12/7/2009 11:19:41 PM |
Klearwater_Pools | $25.00 | $25.00 | 12/7/2009 11:19:46 PM |
bds9646 | $26.00 | $26.00 | 12/7/2009 11:37:41 PM |
SilverRain | $25.00 | $25.00 | 12/7/2009 11:37:51 PM |
iansays1 | $25.00 | $25.00 | 12/7/2009 11:52:14 PM |
trochees | $25.00 | $25.00 | 12/8/2009 2:27:00 AM |
djh47a | $29.32 | $29.32 | 12/8/2009 11:07:15 AM |
agwosdof | $100.00 | $100.00 | 12/8/2009 10:52:19 AM |
Avid_Skier | $25.00 | $25.00 | 12/8/2009 11:38:18 AM |
Goodlender42 | $25.00 | $25.00 | 12/8/2009 11:45:38 AM |
Lender0010 | $50.00 | $50.00 | 12/8/2009 11:20:03 AM |
highcountry1 | $25.00 | $25.00 | 12/8/2009 11:45:36 AM |
principal-kung-fu | $25.00 | $25.00 | 12/8/2009 11:54:50 AM |
Speculator | $25.00 | $25.00 | 12/8/2009 11:36:34 AM |
BayShell | $50.00 | $50.00 | 12/8/2009 11:37:56 AM |
wise-balanced-moola | $25.00 | $25.00 | 12/8/2009 11:53:29 AM |
a-responsible-return | $25.00 | $25.00 | 12/8/2009 12:18:49 PM |
lagnisiruk | $25.00 | $25.00 | 12/8/2009 12:25:41 PM |
DadWarbucks | $25.00 | $25.00 | 12/8/2009 12:42:43 PM |
ADenny | $25.00 | $25.00 | 12/8/2009 12:19:04 PM |
worklessmakemore | $25.00 | $25.00 | 12/8/2009 5:12:16 PM |
TigerForce | $25.00 | $25.00 | 12/8/2009 8:31:59 PM |
interest-exec9 | $25.00 | $25.00 | 12/9/2009 3:19:10 AM |
credit-coach118 | $40.00 | $40.00 | 12/9/2009 9:30:18 AM |
open-minded-credit4 | $25.00 | $25.00 | 12/9/2009 9:37:23 AM |
StrongMoney | $25.00 | $25.00 | 12/9/2009 9:39:05 AM |
Jimfromsac | $25.00 | $25.00 | 12/9/2009 10:48:10 AM |
wild_carrot | $25.00 | $25.00 | 12/9/2009 11:09:27 AM |
yachtiegirl | $25.00 | $25.00 | 12/9/2009 12:31:51 PM |
financial-frenzy | $25.00 | $25.00 | 12/9/2009 3:11:59 PM |
Cherrypicker | $50.00 | $50.00 | 12/9/2009 5:43:09 PM |
visionary-currency | $29.90 | $29.90 | 12/9/2009 6:37:21 PM |
RandyL3 | $28.68 | $28.68 | 12/9/2009 5:27:19 PM |
elasermd | $50.00 | $50.00 | 12/9/2009 7:37:33 PM |
Avala | $25.00 | $25.00 | 12/9/2009 8:47:47 PM |
xlk14 | $41.54 | $41.54 | 12/9/2009 9:11:57 PM |
red-favorable-basis | $25.00 | $25.00 | 12/9/2009 10:59:57 PM |
transparency-giant | $50.00 | $50.00 | 12/10/2009 5:17:06 AM |
Aristophil | $60.00 | $60.00 | 12/10/2009 5:32:53 AM |
ayerobbie | $25.00 | $25.00 | 12/10/2009 6:53:57 AM |
Victor-E-Lane | $25.00 | $25.00 | 12/9/2009 9:52:52 PM |
get30inc | $50.00 | $50.00 | 12/9/2009 10:17:39 PM |
Mark-O-Polo | $25.00 | $25.00 | 12/10/2009 7:48:07 AM |
Residuum | $25.00 | $25.00 | 12/10/2009 8:35:03 AM |
Father_Gailus | $25.00 | $19.88 | 12/10/2009 8:58:48 AM |
mattblizz | $25.00 | $25.00 | 12/10/2009 8:55:48 PM |
market-jam | $45.07 | $45.07 | 12/10/2009 9:02:07 PM |
JerryB96 | $25.00 | $25.00 | 12/10/2009 8:28:26 PM |
Trondheim_Norway | $80.00 | $80.00 | 12/10/2009 9:31:26 PM |
Syzygy | $25.00 | $25.00 | 12/10/2009 10:00:39 PM |
dime-neutron | $25.00 | $25.00 | 12/11/2009 9:39:24 AM |
wild-orange | $25.00 | $25.00 | 12/11/2009 11:19:39 AM |
Aristophil | $46.00 | $46.00 | 12/11/2009 10:43:03 AM |
VT2VA | $25.00 | $25.00 | 12/11/2009 1:02:30 PM |
Pasagam | $25.00 | $25.00 | 12/11/2009 3:14:45 PM |
bold-dynamic-silver | $25.00 | $25.00 | 12/11/2009 3:35:13 PM |
friendinmoney | $25.00 | $25.00 | 12/11/2009 3:36:41 PM |
203 bids
|
Borrower Payment Dependent Notes Series
437294
This series of Notes was issued and sold upon the funding of the borrower loan #40001, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Dec-08-2009 |
|
Auction end date:
| Dec-15-2009 |
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $286.43 |
Final lender yield:
| 21.00% |
Final borrower rate/APR:
| 22.00% / 24.26% |
Final monthly payment:
| $286.43 |
|
Auction yield range:
| 11.20% - 21.00% |
Estimated loss impact:
| 10.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.49% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| Apr-2003 |
Debt/Income ratio:
| 13% |
Credit score:
| 720-739 (Dec-2009) |
Current / open credit lines:
| 12
/
9 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $19,620 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 76% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| gbimports |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 37 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 700-719
(Oct-2009)
640-659
(Sep-2009)
600-619
(Aug-2008)
620-639
(Nov-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 37 | | |
Description
pay off credit cards
Hi never late on payments?just? bought a house? with? fha? loan??credit? score? good?730?paid? of? 2? prosper loans? allready. will use this? money to close some? credit? card? debt with high interest rates
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, for the credit cards that you would like to pay off with the proceeds from this proposed Prosper loan, the balances, interest rates and monthly payments. Please answer publicly. thanks - reflective-rupee
A:
I will be using this loan to pay my bank of america credit card which has a balance of $ 13650 with a monthly minium of $ 359. With my extra earning s this year i would like to finish paying this card by june 2010. Interset rate on this card is % 23.00
(Dec-10-2009)
Q:
Please indicate your monthly net income and expenses. Pleas answer publicly. thanks - reflective-rupee
A:
base salary without bonuses net after taxes $ 4600. with extra bonuses it varies goes up to $ 7000 some months. Next pay check $6000 net
Expense 1532 for home 400 to 500 utilities 800 to 1000 credit card payments
Rest is food travel gas etc
(Dec-10-2009)
Q:
Please indicate the current value of your home (feel free to use zillow.com ). Please answer publicly. thanks - reflective-rupee
A:
Current value of the home is around $187000 . I got it with a %3.5 down FHA loan with %5.5 fixed APR. monthly payment with CAM taxes insurance comes to $ 1532
(Dec-10-2009)
Q:
What is the principle balance on your home mortgage? thanks - reflective-rupee
A:
remaining term:29 years, 7 months
Interest rate:5.50%
principal balance:$188,457.29
Escrow balance:$1,964.38
YTD summary
Interest paid:$4,333.24
Real estate taxes paid:$3,689.41
(Dec-10-2009)
Q:
Please list the balances of each of your debts, including home related debt. Please answer publicly. thanks - reflective-rupee
A:
America express :3500
Citibank : 1000
Sams card and f ord car care card : 2000
(Dec-10-2009)
Q:
Do you have any debts other than your home mortgage and the Bank of America credit card? If so, please indicate the balances of those debts. thanks much - reflective-rupee
A:
America express :3500 Citibank : 1000 Sams card and f ord car care card : 2000
(Dec-10-2009)
Q:
You've given us $6500 in debt, but according to your listing you have a revolving balance of almost $20,000. Can you explain? - MsTabbyKats
A:
I told I will use this loan to pay part of my bank of america credit which has balance of $13650. Other than that Ihave another 6500 $ debt on smaller accounts. I hope this clarify your question.
Thanks
(Dec-14-2009)
7 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
CA_Lender | $25.00 | $25.00 | 12/8/2009 4:30:53 PM |
buphigam | $25.00 | $25.00 | 12/8/2009 5:00:18 PM |
MoneyForNothing | $25.00 | $25.00 | 12/8/2009 7:14:25 PM |
Aberdeen | $300.00 | $300.00 | 12/10/2009 12:13:58 PM |
Kissabledevil | $50.00 | $50.00 | 12/10/2009 11:58:06 AM |
RedCentre | $34.62 | $34.62 | 12/10/2009 2:06:23 PM |
reflective-rupee | $750.00 | $750.00 | 12/10/2009 6:37:38 PM |
foofiter | $50.00 | $50.00 | 12/11/2009 8:26:41 AM |
credit-maestro | $25.00 | $25.00 | 12/12/2009 5:08:08 AM |
GyJAV_BNCCo | $25.00 | $25.00 | 12/11/2009 7:51:14 PM |
well-mannered-income3 | $50.00 | $50.00 | 12/13/2009 4:51:37 PM |
vest_vortex | $50.00 | $50.00 | 12/13/2009 3:47:36 PM |
a-reasonable-return | $25.00 | $25.00 | 12/14/2009 9:07:50 AM |
sensible-fund | $75.00 | $75.00 | 12/14/2009 6:28:23 AM |
113121 | $25.00 | $25.00 | 12/14/2009 10:28:28 AM |
CAGE-Investments | $25.00 | $25.00 | 12/14/2009 8:05:40 AM |
deepblue34 | $30.00 | $30.00 | 12/14/2009 5:59:18 PM |
Kash2010lu | $25.00 | $25.00 | 12/14/2009 7:23:34 PM |
LendsToMomos | $80.91 | $80.91 | 12/14/2009 7:49:39 PM |
zone6 | $300.00 | $300.00 | 12/15/2009 7:21:08 AM |
bsmtloan | $100.00 | $100.00 | 12/15/2009 7:25:43 AM |
1traveler | $25.00 | $25.00 | 12/14/2009 10:00:53 PM |
reflective-rupee | $750.00 | $750.00 | 12/15/2009 9:37:37 AM |
momentous-transaction8 | $200.00 | $200.00 | 12/15/2009 11:11:12 AM |
reflective-rupee | $750.00 | $750.00 | 12/15/2009 9:36:12 AM |
kendigme | $25.00 | $25.00 | 12/15/2009 1:13:52 PM |
Astyanax | $25.00 | $25.00 | 12/15/2009 10:23:53 AM |
Astyanax | $25.00 | $25.00 | 12/15/2009 10:25:14 AM |
payout-reaction740 | $25.00 | $25.00 | 12/15/2009 10:40:14 AM |
the-profit-oracle | $25.00 | $25.00 | 12/15/2009 10:42:55 AM |
anton | $1,500.00 | $1,379.81 | 12/15/2009 12:11:54 PM |
RecoveryLender | $25.00 | $25.00 | 12/15/2009 12:52:35 PM |
justme4now | $25.00 | $25.00 | 12/15/2009 1:17:51 PM |
five-star-note | $75.00 | $75.00 | 12/8/2009 4:43:54 PM |
fortytwo | $200.00 | $200.00 | 12/9/2009 6:07:30 AM |
reflective-rupee | $750.00 | $750.00 | 12/10/2009 11:59:36 AM |
reflective-rupee | $75.00 | $75.00 | 12/10/2009 12:15:26 PM |
reflective-rupee | $250.00 | $250.00 | 12/10/2009 6:37:52 PM |
zento | $25.00 | $25.00 | 12/10/2009 9:02:54 PM |
impartial-deal | $25.00 | $25.00 | 12/11/2009 12:17:11 PM |
SolarMoonshine | $50.00 | $50.00 | 12/11/2009 6:11:50 PM |
well-mannered-income3 | $50.00 | $50.00 | 12/12/2009 6:10:23 AM |
hellasow | $25.00 | $25.00 | 12/13/2009 8:05:36 AM |
well-mannered-income3 | $50.00 | $50.00 | 12/13/2009 6:49:10 AM |
SFBank | $200.00 | $200.00 | 12/13/2009 7:11:04 PM |
vest_vortex | $25.00 | $25.00 | 12/13/2009 3:48:00 PM |
p2p-gala | $25.00 | $25.00 | 12/14/2009 6:01:52 PM |
mercuriant | $25.00 | $25.00 | 12/14/2009 5:08:16 PM |
Astyanax | $25.00 | $25.00 | 12/15/2009 10:24:55 AM |
CoffeeKing | $45.00 | $45.00 | 12/15/2009 9:21:35 AM |
best-magical-dollar | $29.66 | $29.66 | 12/15/2009 12:20:56 PM |
reflective-rupee | $75.00 | $75.00 | 12/15/2009 9:38:30 AM |
bestloanrate | $50.00 | $50.00 | 12/15/2009 10:12:09 AM |
coloradoloanman | $25.00 | $25.00 | 12/15/2009 12:41:26 PM |
Feyenoord | $25.00 | $25.00 | 12/15/2009 12:45:57 PM |
55 bids
|
Borrower Payment Dependent Notes Series
437404
This series of Notes was issued and sold upon the funding of the borrower loan #40036, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $2,950.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Dec-08-2009 |
|
Auction end date:
| Dec-15-2009 |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $133.45 |
Final lender yield:
| 30.89% |
Final borrower rate/APR:
| 31.89% / 34.30% |
Final monthly payment:
| $128.31 |
|
Auction yield range:
| 14.20% - 34.00% |
Estimated loss impact:
| 16.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.77% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 46% |
Credit score:
| 600-619 (Nov-2009) |
Current / open credit lines:
| 15
/
11 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 2y 2m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,805 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 66% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Homeownership:
| No | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| madhooper5 |
Borrower's state:
| Ohio |
Borrower's group:
| 1st and BEST for Loans |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 9 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 600-619
(Oct-2009)
620-639
(Sep-2009)
620-639
(Jul-2009)
620-639
(Feb-2008)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Credit Cards are the DEVIL!!!!!!!!!
Purpose of loan:
Get rid of credit card bills!!!!!
My financial situation:
I have a?job as a food and beverage manager of ?a? hotel?and want to get out of debt. Made some dumb mistakes when I was younger ie.. semster of college on a credit card & knee surgery on a CC, ran in to some idenity theft hence the inquiries and late payments, working to get that off my credit, and now I just want it all to go away. I began a second job in october which will net me another $800.00 a month, since i am getting engage this month, if i muster up the gusto to ask my girlfriend of five years. I just want to consolidate it all to make it one easy payment. This is my tenth try at this, all the bid is much appreciated. Once I get out of my debt I can help other get out of theirs!!!!!!! This is my second listing the first i paid off a year a head of time help me so i can help others!!! For all who continue to bid listing after listing I greatly appreciate, maybe one day the loan will be funded!
Please!!!!!!!
Thanks!!!
Steve
Monthly net income: $2200
Monthly expenses: $?around?1800
??Housing: $?1200
??Insurance: $ 48
??Car expenses: $?50 - gas
??Utilities: $?32
??Phone, cable, internet: $ 80
??Food, entertainment: $ 80
??Clothing, household expenses $?0
??Credit cards and other loans: $?425?
??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) |
|
reflective-rupee | $50.00 | $50.00 | 12/8/2009 4:26:54 PM |
reflective-rupee | $75.00 | $75.00 | 12/8/2009 4:30:27 PM |
economy-synapse | $40.87 | $40.87 | 12/9/2009 9:55:53 PM |
Bob450 | $25.00 | $25.00 | 12/9/2009 9:58:55 PM |
DasMula | $100.00 | $100.00 | 12/9/2009 10:57:12 PM |
Skeptical-one | $50.00 | $50.00 | 12/12/2009 7:00:44 AM |
commerce-stronghold | $50.00 | $50.00 | 12/13/2009 9:03:33 AM |
hellasow | $25.00 | $25.00 | 12/13/2009 8:12:18 AM |
fizicks06 | $25.00 | $25.00 | 12/14/2009 8:07:50 AM |
deepblue34 | $30.00 | $30.00 | 12/14/2009 6:11:07 PM |
sweety075 | $25.00 | $25.00 | 12/14/2009 7:50:18 PM |
carmat60 | $25.00 | $25.00 | 12/15/2009 12:16:41 AM |
Cashlender1992 | $30.00 | $30.00 | 12/15/2009 5:32:15 AM |
zone6 | $200.00 | $200.00 | 12/15/2009 7:24:20 AM |
Book-Mark | $25.00 | $25.00 | 12/15/2009 10:55:17 AM |
Leshan | $25.00 | $25.00 | 12/15/2009 11:11:45 AM |
pnqiad | $25.00 | $25.00 | 12/15/2009 11:29:37 AM |
aha6297 | $25.00 | $25.00 | 12/15/2009 11:49:20 AM |
finance-prescription | $200.00 | $200.00 | 12/15/2009 12:11:15 PM |
nala2821 | $35.00 | $35.00 | 12/15/2009 12:22:48 PM |
Rip128 | $50.00 | $50.00 | 12/15/2009 12:54:35 PM |
jonric777 | $25.00 | $25.00 | 12/15/2009 2:37:04 PM |
heroic-benefit | $100.00 | $100.00 | 12/15/2009 3:18:43 PM |
peso-bonaza | $27.44 | $27.44 | 12/15/2009 3:40:51 PM |
Unitas4302 | $200.00 | $200.00 | 12/8/2009 5:33:46 PM |
SolarMoonshine | $50.00 | $50.00 | 12/8/2009 5:57:16 PM |
forthright-dedication | $25.00 | $25.00 | 12/8/2009 7:35:54 PM |
red-favorable-basis | $25.00 | $25.00 | 12/11/2009 11:48:57 AM |
bold-dynamic-silver | $25.00 | $25.00 | 12/11/2009 7:30:46 PM |
helping-out | $25.00 | $25.00 | 12/11/2009 6:14:24 PM |
Jim33 | $25.00 | $25.00 | 12/12/2009 12:04:10 PM |
commerce-stronghold | $50.00 | $50.00 | 12/13/2009 9:01:36 AM |
lender12345 | $25.00 | $25.00 | 12/13/2009 7:01:00 PM |
silvercertificate | $27.89 | $27.89 | 12/14/2009 8:12:38 PM |
economy-synapse | $500.00 | $238.36 | 12/14/2009 8:53:17 PM |
squarebob | $50.00 | $50.00 | 12/14/2009 6:28:58 PM |
Kash2010lu | $25.00 | $25.00 | 12/14/2009 7:23:13 PM |
KaChingInvestments | $25.00 | $25.00 | 12/15/2009 5:29:14 AM |
realtormoises | $25.00 | $25.00 | 12/14/2009 10:03:53 PM |
glroark | $100.00 | $100.00 | 12/15/2009 10:13:02 AM |
p2p-gala | $25.00 | $25.00 | 12/15/2009 7:08:10 AM |
credit-missile | $81.95 | $81.95 | 12/15/2009 10:24:38 AM |
marwadi-62 | $50.00 | $50.00 | 12/15/2009 11:17:42 AM |
briskdevl07 | $25.00 | $25.00 | 12/15/2009 12:22:11 PM |
Happy-Man | $25.00 | $25.00 | 12/15/2009 12:26:39 PM |
Feyenoord | $33.49 | $33.49 | 12/15/2009 12:49:31 PM |
raccoon123 | $25.00 | $25.00 | 12/15/2009 10:02:39 AM |
credit-missile | $25.00 | $25.00 | 12/15/2009 10:27:08 AM |
freshmaker8 | $25.00 | $25.00 | 12/15/2009 2:42:06 PM |
sensible-fund | $30.00 | $30.00 | 12/15/2009 2:56:39 PM |
penny-surgeon | $25.00 | $25.00 | 12/15/2009 3:18:58 PM |
quest0 | $25.00 | $25.00 | 12/15/2009 3:29:48 PM |
The-CAPS-fan | $25.00 | $25.00 | 12/15/2009 3:21:37 PM |
vest_vortex | $25.00 | $25.00 | 12/15/2009 3:41:07 PM |
worldly-gold | $100.00 | $100.00 | 12/15/2009 3:23:36 PM |
Kyileo | $25.00 | $25.00 | 12/15/2009 3:29:20 PM |
vest_vortex | $25.00 | $25.00 | 12/15/2009 3:51:33 PM |
coloradoloanman | $25.00 | $25.00 | 12/15/2009 4:08:28 PM |
DasMula | $100.00 | $100.00 | 12/15/2009 4:10:31 PM |
59 bids
|
Borrower Payment Dependent Notes Series
438660
This series of Notes was issued and sold upon the funding of the borrower loan #40024, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $3,600.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Dec-16-2009 |
|
Auction end date:
| Dec-17-2009 |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $124.80 |
Final lender yield:
| 14.00% |
Final borrower rate/APR:
| 15.00% / 17.17% |
Final monthly payment:
| $124.80 |
|
Auction yield range:
| 6.20% - 14.00% |
Estimated loss impact:
| 5.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.76% | | |
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 12% |
Credit score:
| 740-759 (Nov-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 3y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,739 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 32% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| resplendent-value |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Childs Education
Purpose of loan:
This loan will be used to help my son pay for education expenses, so that he may take classes next semester.
My financial situation:
I am a good candidate for this loan because I am able to work full-time and have been for a long time.? I have no house payments or car?payments either.? I am able to pay?my payments/bills on time.??If you have any questions feel free to ask.
Ok, thank you for everyone who bid on my loan request last time.? There was an issue during the final stages of the funding period.? I sent in the documents, but the loan was cancelled hours?before the documents were received by the correct processing agent.? I appologize for the inconvenience and he assured?me that everything would be correct and ready to go this time.? I'm willing to try it again.? Hopefully everyone?can rebid.?? Thanks again.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
economy-structure9 | $25.00 | $25.00 | 12/16/2009 4:12:01 PM |
thoughtful-community7 | $25.00 | $25.00 | 12/16/2009 4:14:40 PM |
cyberie21 | $25.00 | $25.00 | 12/16/2009 4:14:52 PM |
EdgeonFl | $25.00 | $25.00 | 12/16/2009 4:12:21 PM |
lifegrowth | $25.00 | $25.00 | 12/16/2009 4:14:49 PM |
CallMeBen | $25.00 | $25.00 | 12/16/2009 4:26:21 PM |
terryaj | $25.00 | $25.00 | 12/16/2009 4:28:24 PM |
auction-elvis | $25.00 | $25.00 | 12/16/2009 4:29:01 PM |
tuneman1980 | $25.00 | $25.00 | 12/16/2009 4:29:24 PM |
wrighco | $25.00 | $25.00 | 12/16/2009 4:29:57 PM |
red-favorable-basis | $25.00 | $25.00 | 12/16/2009 4:30:27 PM |
joplinoz | $25.00 | $25.00 | 12/16/2009 4:30:39 PM |
slico | $100.00 | $100.00 | 12/16/2009 4:35:06 PM |
Rob717171 | $25.00 | $25.00 | 12/16/2009 4:38:30 PM |
scottydoane | $25.00 | $25.00 | 12/16/2009 4:38:47 PM |
shrewd-peace7 | $25.00 | $25.00 | 12/16/2009 4:38:55 PM |
diablo_ny | $25.00 | $25.00 | 12/16/2009 4:39:30 PM |
opmjdv | $25.00 | $25.00 | 12/16/2009 4:39:53 PM |
rellotsf | $25.00 | $25.00 | 12/16/2009 4:40:00 PM |
five-star-note | $35.00 | $35.00 | 12/16/2009 4:44:32 PM |
bountiful-bazaar | $25.00 | $25.00 | 12/16/2009 4:28:44 PM |
coloradoloanman | $25.00 | $25.00 | 12/16/2009 4:28:53 PM |
a-important-leverage | $25.00 | $25.00 | 12/16/2009 4:29:54 PM |
GElender | $50.00 | $50.00 | 12/16/2009 4:30:44 PM |
cptmorgin | $25.00 | $25.00 | 12/16/2009 4:30:57 PM |
night0wl | $25.00 | $25.00 | 12/16/2009 4:28:40 PM |
dime-beeper | $25.00 | $25.00 | 12/16/2009 4:28:51 PM |
McDough | $25.00 | $25.00 | 12/16/2009 4:31:49 PM |
highcountry1 | $25.00 | $25.00 | 12/16/2009 4:38:50 PM |
GS_Lending | $25.00 | $25.00 | 12/16/2009 4:38:54 PM |
jd006006 | $40.00 | $40.00 | 12/16/2009 4:29:34 PM |
shanedog | $25.00 | $25.00 | 12/16/2009 4:39:57 PM |
JMJIluss | $25.00 | $25.00 | 12/16/2009 4:40:27 PM |
benjamins-voyage | $25.00 | $25.00 | 12/16/2009 4:30:13 PM |
blot44 | $25.00 | $25.00 | 12/16/2009 6:40:54 PM |
chief_wo | $25.00 | $25.00 | 12/16/2009 4:43:13 PM |
rapid-currency | $25.00 | $25.00 | 12/16/2009 4:44:50 PM |
VWA_to_the_Rescue | $25.00 | $25.00 | 12/16/2009 4:31:21 PM |
the-profit-oracle | $25.00 | $25.00 | 12/16/2009 4:45:47 PM |
Artist_Blue | $25.00 | $25.00 | 12/16/2009 4:45:52 PM |
elegant-bonus | $25.00 | $25.00 | 12/16/2009 4:46:03 PM |
ALVO | $40.09 | $40.09 | 12/16/2009 4:39:59 PM |
orbiter614 | $50.00 | $50.00 | 12/16/2009 4:49:23 PM |
the-silver-blaster | $70.00 | $70.00 | 12/16/2009 7:47:04 PM |
zento | $25.00 | $25.00 | 12/16/2009 4:51:07 PM |
hope-lionheart1 | $25.00 | $25.00 | 12/16/2009 4:45:34 PM |
gracej | $25.00 | $25.00 | 12/16/2009 4:46:01 PM |
buddy486 | $25.00 | $25.00 | 12/16/2009 4:47:37 PM |
the-debt-fluffy-bunny | $25.00 | $25.00 | 12/16/2009 9:28:27 PM |
fireboss | $100.00 | $100.00 | 12/16/2009 4:50:49 PM |
euro-association | $25.00 | $25.00 | 12/16/2009 10:15:57 PM |
bignic | $25.00 | $25.00 | 12/16/2009 11:55:37 PM |
finance-historian | $25.00 | $25.00 | 12/17/2009 12:37:10 AM |
nprfan5 | $25.00 | $25.00 | 12/16/2009 7:28:00 PM |
keen-moola | $25.00 | $25.00 | 12/16/2009 7:46:40 PM |
RainMakers | $25.00 | $25.00 | 12/16/2009 6:20:09 PM |
rpatusa | $25.00 | $25.00 | 12/16/2009 9:05:18 PM |
dparkhom | $25.00 | $25.00 | 12/17/2009 7:04:59 AM |
heng2x | $25.00 | $25.00 | 12/16/2009 9:19:23 PM |
the-bright-velocity | $50.00 | $50.00 | 12/17/2009 7:50:58 AM |
ImaPutz | $25.00 | $25.00 | 12/17/2009 9:44:38 AM |
wFeather | $100.00 | $100.00 | 12/17/2009 3:18:16 AM |
silver-armada | $100.00 | $100.00 | 12/17/2009 4:37:15 AM |
meteoric-asset4 | $25.00 | $25.00 | 12/17/2009 7:36:57 AM |
calm-deal7 | $25.00 | $25.00 | 12/17/2009 8:36:35 AM |
madolaf | $25.00 | $25.00 | 12/17/2009 9:12:18 AM |
ms48105 | $25.00 | $25.00 | 12/16/2009 4:13:15 PM |
tomas090 | $25.00 | $25.00 | 12/16/2009 4:12:29 PM |
theincarnatemike | $25.00 | $25.00 | 12/16/2009 4:12:45 PM |
CPDDDS | $50.00 | $50.00 | 12/16/2009 4:12:58 PM |
money-maniac | $50.00 | $50.00 | 12/16/2009 4:13:48 PM |
30Sky | $25.00 | $25.00 | 12/16/2009 4:14:44 PM |
tsui517 | $25.00 | $25.00 | 12/16/2009 4:12:54 PM |
CASHGIRL | $40.00 | $40.00 | 12/16/2009 4:13:37 PM |
visionary-community | $25.00 | $25.00 | 12/16/2009 4:17:22 PM |
inforapenny | $25.00 | $25.00 | 12/16/2009 4:26:18 PM |
sparkmeister | $25.00 | $25.00 | 12/16/2009 4:27:16 PM |
buggzz | $25.00 | $25.00 | 12/16/2009 4:31:06 PM |
How | $25.00 | $25.00 | 12/16/2009 4:31:54 PM |
titan1 | $25.00 | $25.00 | 12/16/2009 4:39:54 PM |
icontender | $25.00 | $25.00 | 12/16/2009 4:40:19 PM |
Archchancellor | $25.00 | $25.00 | 12/16/2009 4:28:34 PM |
djh47a | $30.00 | $30.00 | 12/16/2009 4:51:08 PM |
murlirao2002 | $25.00 | $25.00 | 12/16/2009 4:30:06 PM |
Beeeej | $25.00 | $25.00 | 12/16/2009 4:28:20 PM |
doublediamond | $25.00 | $25.00 | 12/16/2009 4:28:32 PM |
kaiger | $25.00 | $25.00 | 12/16/2009 4:28:48 PM |
portfolio-zone801 | $25.00 | $25.00 | 12/16/2009 4:29:18 PM |
KB4UF | $25.00 | $25.00 | 12/16/2009 4:29:31 PM |
honorable-treasure | $25.00 | $25.00 | 12/16/2009 4:40:18 PM |
peso-mate | $25.00 | $25.00 | 12/16/2009 4:30:02 PM |
Phantom99 | $25.00 | $25.00 | 12/16/2009 4:30:09 PM |
supreme-hope | $25.00 | $25.00 | 12/16/2009 4:30:28 PM |
helpinghand75 | $25.00 | $25.00 | 12/16/2009 6:27:41 PM |
building_community | $25.00 | $25.00 | 12/16/2009 4:30:53 PM |
Peacepower | $25.00 | $25.00 | 12/16/2009 4:44:57 PM |
littlemonkey | $25.00 | $25.00 | 12/16/2009 4:45:45 PM |
czar3 | $30.00 | $30.00 | 12/16/2009 4:45:51 PM |
dalejr410 | $25.00 | $25.00 | 12/16/2009 4:31:34 PM |
jybank | $25.00 | $25.00 | 12/16/2009 4:46:40 PM |
jonn834 | $25.00 | $25.00 | 12/16/2009 4:47:11 PM |
Veggie_Monkey | $25.00 | $25.00 | 12/16/2009 4:40:20 PM |
treasure-firestarter8 | $28.79 | $14.91 | 12/16/2009 4:40:29 PM |
Traal | $25.00 | $25.00 | 12/16/2009 4:41:54 PM |
impartial-deal | $25.00 | $25.00 | 12/16/2009 4:44:47 PM |
Ven58 | $25.00 | $25.00 | 12/16/2009 4:54:37 PM |
Onesiphorus | $25.00 | $25.00 | 12/16/2009 4:45:43 PM |
TheoProf | $50.00 | $50.00 | 12/16/2009 5:30:15 PM |
cptproton | $25.00 | $25.00 | 12/16/2009 6:22:59 PM |
minista | $25.00 | $25.00 | 12/16/2009 4:54:21 PM |
JustMee | $25.00 | $25.00 | 12/16/2009 5:36:38 PM |
Finspons | $25.00 | $25.00 | 12/16/2009 6:20:59 PM |
BenR | $100.00 | $100.00 | 12/17/2009 6:19:17 AM |
Munnie | $25.00 | $25.00 | 12/16/2009 8:38:54 PM |
steiglends | $50.00 | $50.00 | 12/16/2009 10:49:33 PM |
RG | $25.00 | $25.00 | 12/17/2009 2:43:02 AM |
d_grbg | $25.00 | $25.00 | 12/17/2009 6:07:35 AM |
cash-vault | $25.00 | $25.00 | 12/17/2009 9:23:49 AM |
118 bids
|