Sales Report:Supplement No. 103 dated Dec 22, 2009 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 424949
This series of Notes was issued and sold upon the funding of the borrower loan #40069, 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-15-2009 
  Auction end date:  Dec-21-2009 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $82.08
Final lender yield: 26.40% Final borrower rate/APR: 27.40% / 29.74% Final monthly payment: $82.08
 
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: 8 First credit line: Mar-1991 Debt/Income ratio: 29%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 20 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 49Length of status:16y 6m
Amount delinquent: $0 Revolving credit balance: $17,557 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: GoodRisk Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
620-639 (Aug-2009)
640-659 (Jun-2008)
600-619 (Jan-2008)
 
Principal balance: $556.46 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Give me a chance
Purpose of loan:
This loan will be used?to consolidate 4 smaller credi cards into one payment?

My financial situation:
I am a good candidate for this loan because Ihave a slid income and a long wor histoy.

Monthly net income: $ 5200

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 240
??Car expenses: $ 333
??Utilities: $ 10
??Phone, cable, internet: $ 150
??Food, entertainment: $?250
??Clothing, household expenses $ 175
??Credit cards and other loans: $ 1500
??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, what is your job and industry? how long have you been with this company? thanks - shrewd-income
A: Thank you for your question, beieve it or not I work in the banking industry and I have over 15 years experience 7 of those years spent with my current employer. (Dec-19-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
five-star-note$45.00$45.0012/15/2009 4:18:21 PM
Bob450$25.00$25.0012/16/2009 2:14:00 PM
CA_Lender$25.00$25.0012/16/2009 2:20:23 PM
hellasow$30.00$30.0012/16/2009 4:43:50 PM
nilonc1$200.00$200.0012/18/2009 4:27:42 PM
lender12345$25.00$25.0012/18/2009 6:24:33 PM
squarebob$53.00$53.0012/19/2009 11:12:12 AM
myGodisgood$25.00$25.0012/19/2009 11:06:52 AM
well-mannered-income3$40.00$40.0012/19/2009 4:28:10 PM
reflective-rupee$25.00$25.0012/19/2009 6:47:49 PM
Ven58$25.00$25.0012/19/2009 7:05:47 PM
reflective-rupee$25.00$25.0012/19/2009 6:48:01 PM
vest_vortex$25.00$25.0012/20/2009 11:24:25 AM
vest_vortex$25.00$25.0012/20/2009 11:24:06 AM
heritage_loans$25.00$25.0012/20/2009 3:44:23 PM
bold-dynamic-silver$25.00$25.0012/20/2009 6:12:36 PM
Mikale360$25.00$25.0012/20/2009 6:57:50 PM
forthright-dedication$25.00$25.0012/20/2009 7:53:03 PM
Kash2010lu$25.00$25.0012/21/2009 5:01:24 AM
thestartuplender$25.00$25.0012/20/2009 9:09:43 PM
visionary-deal3$100.00$100.0012/20/2009 9:54:47 PM
cjames84$25.00$25.0012/21/2009 7:59:06 AM
reflective-rupee$25.00$25.0012/21/2009 8:42:45 AM
1-HARD-HEAD$100.00$100.0012/21/2009 9:21:42 AM
well-mannered-income3$40.00$40.0012/21/2009 8:16:12 AM
KC_08$40.00$40.0012/21/2009 9:09:38 AM
wise-balanced-moola$25.00$25.0012/15/2009 4:34:30 PM
SolarMoonshine$25.00$25.0012/16/2009 6:52:45 PM
reflective-rupee$100.00$100.0012/16/2009 9:32:28 PM
bold-attentive-listing$150.00$150.0012/17/2009 4:56:04 PM
shawnw2$50.00$50.0012/18/2009 5:04:21 PM
vest_vortex$25.00$25.0012/18/2009 7:05:48 PM
JiggaJoeyS$100.00$100.0012/19/2009 7:35:47 AM
reflective-rupee$25.00$25.0012/19/2009 6:48:11 PM
reflective-rupee$25.00$25.0012/19/2009 6:48:22 PM
sweety075$25.00$25.0012/19/2009 10:09:16 PM
eccles$25.00$25.0012/20/2009 8:54:54 PM
penny-surgeon$25.00$25.0012/21/2009 1:54:01 AM
heroic-benefit$50.00$2.0012/21/2009 8:17:07 AM
zone6$150.00$150.0012/21/2009 7:52:52 AM
Skeptical-one$50.00$50.0012/21/2009 8:13:48 AM
reflective-rupee$25.00$25.0012/21/2009 8:42:56 AM
us957165$25.00$25.0012/21/2009 8:44:03 AM
bondhedger$25.00$25.0012/21/2009 9:25:12 AM
reflective-rupee$25.00$25.0012/21/2009 9:27:24 AM
piter-to-la-investment$25.00$25.0012/21/2009 10:16:26 AM
46 bids
 
Borrower Payment Dependent Notes Series 437515
This series of Notes was issued and sold upon the funding of the borrower loan #40083, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-08-2009 
  Auction end date:  Dec-15-2009 
 
Starting lender yield: 10.85% Starting borrower rate/APR: 11.85% / 13.98% Starting monthly payment: $331.43
Final lender yield: 10.35% Final borrower rate/APR: 11.35% / 13.47% Final monthly payment: $329.05
 
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: 9 First credit line: Jun-1992 Debt/Income ratio: 17%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:5y 10m
Amount delinquent: $0 Revolving credit balance: $20,327 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 38%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: goal-finance Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off family medical debts
Purpose of loan:
This loan will be used to consolidate several debts from home repairs and medical bills. My wife and daughter both had some unexpected medical problems that resulted in a lot of debt, in spite of having health insurance.They are doing much better now, but my wife feels that this debt is mostly her fault for getting ill and I hate that.
My financial situation:
I am a good candidate for this loan because I have had steady full-time employment with my current employer for almost six years now.I had a lot of student loan debt that I paid off within just a few years after graduating. I am fully committed to getting completely out of debt as soon as possible.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please describe your occupation. Also, please provide your take home pay and total monthly expenses. Thanks. - exciting-fairness
A: I am civil engineer specializing in water drainage and roadways. My take-home pay is approximately $4500 a month. Monthly expenses include: $1000 mortgage; $365 car payment (another vehicle is paid off); $450 gasoline & car insurance; $150 in medications; $800-$900 in groceries for a family of six and 2 dogs; $350 for utilities (water, garbage, electricity, gas, phone); $200 for the kids' clothing, shoes, sports & other extracurricular activities. (Dec-08-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Sefotonga$25.00$25.0012/8/2009 4:20:59 PM
AF-Chief$27.00$27.0012/8/2009 4:21:53 PM
Kerrysbay$25.00$25.0012/8/2009 4:22:09 PM
cash-boots$25.00$25.0012/8/2009 4:22:48 PM
the-bright-velocity$50.00$50.0012/8/2009 4:22:55 PM
booksleuth$50.00$50.0012/8/2009 4:21:59 PM
kulender$25.00$25.0012/8/2009 4:25:31 PM
helping-out$25.00$25.0012/8/2009 4:25:39 PM
triumph329$25.00$25.0012/8/2009 4:26:14 PM
Cheburashka$30.00$30.0012/8/2009 4:26:26 PM
five-star-note$25.00$25.0012/8/2009 4:24:00 PM
BuffetRocks$50.00$50.0012/8/2009 4:27:37 PM
Onesiphorus$25.00$25.0012/8/2009 4:27:34 PM
fortytwo$100.00$100.0012/8/2009 4:24:36 PM
paladin847$25.00$25.0012/8/2009 4:27:49 PM
Tahoeguy$50.00$50.0012/8/2009 4:29:35 PM
Buffer10$200.00$200.0012/8/2009 4:27:09 PM
fund-medalist171$25.00$25.0012/8/2009 4:27:11 PM
metro457$25.00$25.0012/8/2009 4:30:02 PM
Havana21$25.00$25.0012/8/2009 4:31:59 PM
thedoctor$80.00$80.0012/8/2009 4:27:42 PM
Kelor99$25.00$25.0012/8/2009 4:30:45 PM
peso-colonel$25.00$25.0012/8/2009 4:32:20 PM
a-resplendent-asset$50.00$50.0012/8/2009 4:30:20 PM
tallmon$25.00$25.0012/8/2009 4:32:37 PM
the_winning_ticket$35.00$35.0012/8/2009 4:34:21 PM
skuba$25.00$25.0012/8/2009 4:32:10 PM
magical-greenback$55.00$55.0012/8/2009 4:35:28 PM
orange-courageous-dedication$40.00$40.0012/8/2009 4:35:50 PM
museic1$25.00$25.0012/8/2009 4:33:20 PM
Walkingcowboy$25.00$25.0012/8/2009 4:35:06 PM
credit-investor5$100.00$100.0012/8/2009 4:33:28 PM
Kaj$30.00$30.0012/8/2009 4:36:38 PM
BankOfFrankFairness$50.00$50.0012/8/2009 4:35:46 PM
the-money-gargantuan$25.00$25.0012/8/2009 4:35:57 PM
E_G$50.00$50.0012/8/2009 4:34:36 PM
CallMeBen$25.00$25.0012/8/2009 4:37:46 PM
evnagelist$100.00$100.0012/8/2009 4:35:13 PM
sjlender$25.00$25.0012/8/2009 4:39:11 PM
czar3$30.00$30.0012/8/2009 4:39:41 PM
dedicated-diversification5$100.00$100.0012/8/2009 4:37:15 PM
Purple11$100.00$100.0012/8/2009 4:40:16 PM
silver-armada$100.00$100.0012/8/2009 4:39:36 PM
community-pipeline8$50.00$50.0012/8/2009 4:37:38 PM
piter-to-la-investment$25.00$25.0012/8/2009 4:40:48 PM
Doodlemeyer$25.00$25.0012/8/2009 4:40:28 PM
charming-point$200.00$200.0012/8/2009 4:41:55 PM
ryelk$25.00$25.0012/8/2009 4:38:58 PM
PocketAces$25.00$25.0012/8/2009 4:41:36 PM
capital-amplifier$25.00$25.0012/8/2009 4:39:50 PM
Marathoner$25.00$25.0012/8/2009 4:40:01 PM
commitment-forte6$25.00$25.0012/8/2009 4:44:01 PM
shamrocker$25.00$25.0012/8/2009 4:40:39 PM
jeg3k$25.00$25.0012/8/2009 4:43:18 PM
burgeoning-silver$25.00$25.0012/8/2009 4:41:08 PM
Frugal$25.00$25.0012/8/2009 4:44:34 PM
flwah$25.00$25.0012/8/2009 4:43:38 PM
The-CAPS-fan$30.00$30.0012/8/2009 4:44:46 PM
beezling$40.00$40.0012/8/2009 4:44:30 PM
spsavage$25.00$25.0012/8/2009 4:42:11 PM
the-debt-fluffy-bunny$25.00$25.0012/8/2009 4:42:18 PM
the-silver-blaster$70.00$70.0012/8/2009 4:42:30 PM
unk1911$25.00$25.0012/8/2009 4:42:38 PM
Steveoo1$25.00$25.0012/8/2009 4:46:46 PM
durability-mad-scientist4$100.00$100.0012/8/2009 4:48:33 PM
don8ter$25.00$25.0012/8/2009 4:48:38 PM
astute-dollar$30.00$30.0012/8/2009 4:48:49 PM
auctionbros$25.00$25.0012/8/2009 4:48:58 PM
affluence-tycoon$25.00$25.0012/8/2009 4:48:21 PM
galaxy1$25.00$25.0012/8/2009 4:49:11 PM
elegant-income3$30.00$30.0012/8/2009 4:48:25 PM
payout-point$50.00$50.0012/8/2009 4:48:27 PM
Lightlife$50.00$50.0012/8/2009 4:49:39 PM
wise-extraordinary-loot$30.00$30.0012/8/2009 4:49:44 PM
worklessmakemore$25.00$25.0012/8/2009 4:49:01 PM
bonus-buddy2$35.00$35.0012/8/2009 4:49:52 PM
Cai8899$40.00$40.0012/8/2009 4:50:00 PM
payout-achievement$40.00$40.0012/8/2009 4:49:43 PM
HunterSix$25.00$25.0012/8/2009 4:48:18 PM
value-pole$25.00$25.0012/8/2009 4:49:37 PM
bchen78875$25.00$25.0012/8/2009 4:50:04 PM
fair_rates$25.00$25.0012/8/2009 5:09:26 PM
patriot384$150.00$150.0012/8/2009 5:42:35 PM
Syzygy$25.00$25.0012/9/2009 10:47:30 AM
zento$25.00$25.0012/9/2009 10:17:42 AM
timh537$25.00$25.0012/9/2009 2:05:57 PM
wise-balanced-moola$25.00$25.0012/9/2009 7:17:24 PM
income-fortress$25.00$25.0012/11/2009 5:48:00 AM
Pasagam$25.00$25.0012/11/2009 6:01:06 AM
Dollars4Rent$25.00$25.0012/11/2009 7:38:50 AM
FundMaker$25.00$25.0012/11/2009 4:55:09 PM
bondhedger$25.00$25.0012/12/2009 12:23:28 AM
springpanda$25.00$25.0012/12/2009 2:33:15 PM
RiskAdverse$25.00$25.0012/13/2009 9:30:23 PM
dmitriy2$25.00$25.0012/14/2009 1:02:19 PM
piter-to-la-investment$25.00$25.0012/14/2009 5:08:16 PM
JUDAHiNVESTMENTGROUP$25.00$25.0012/14/2009 5:07:24 PM
interstellar$45.82$45.8212/14/2009 5:07:28 PM
squarebob$50.00$50.0012/14/2009 6:17:26 PM
affluence-tomahawk$50.00$50.0012/14/2009 6:47:38 PM
beaufuture$25.00$25.0012/15/2009 3:24:03 AM
JerryB96$25.00$25.0012/14/2009 9:10:39 PM
rate-hickory$25.00$25.0012/15/2009 8:46:57 AM
understanding-benjamins$25.00$25.0012/15/2009 6:25:27 AM
the-bright-velocity$300.00$300.0012/15/2009 7:12:39 AM
Astyanax$25.00$25.0012/15/2009 10:35:28 AM
mmmm1982$30.00$30.0012/15/2009 8:03:04 AM
rockhound84$25.00$25.0012/15/2009 8:48:52 AM
Feyenoord$25.00$25.0012/15/2009 12:40:45 PM
sincere-investment4$25.00$25.0012/15/2009 9:52:22 AM
nickel-pipeline$25.00$25.0012/15/2009 1:41:03 PM
TigerForce$25.00$25.0012/15/2009 2:06:07 PM
Astyanax$25.00$25.0012/15/2009 10:35:45 AM
momentous-transaction8$200.00$200.0012/15/2009 11:21:33 AM
organic-platinum$25.00$25.0012/15/2009 12:37:37 PM
credit-coach118$25.00$25.0012/15/2009 2:07:35 PM
brightest-economy-tsunami$25.00$25.0012/15/2009 2:13:33 PM
velocity-winner$25.00$25.0012/15/2009 2:47:46 PM
TakeCare$100.00$100.0012/15/2009 3:11:23 PM
Rob717171$150.00$150.0012/15/2009 3:26:05 PM
exciting-fairness$200.00$200.0012/15/2009 3:37:00 PM
heerzaquestion$25.00$25.0012/15/2009 3:57:17 PM
a-resplendent-commitment$25.00$25.0012/8/2009 4:21:34 PM
hard-working-loot$25.00$25.0012/8/2009 4:22:05 PM
calm-deal7$25.00$25.0012/8/2009 4:21:46 PM
lucrative-worth$25.00$25.0012/8/2009 4:22:37 PM
foxy-fund$25.00$25.0012/8/2009 4:22:23 PM
neenerman$25.00$25.0012/8/2009 4:23:08 PM
portfolio-zone801$25.00$25.0012/8/2009 4:24:27 PM
Sixmil$25.00$25.0012/8/2009 4:24:45 PM
ljay$25.00$25.0012/8/2009 4:21:38 PM
Weaverville$25.00$25.0012/8/2009 4:25:12 PM
integrity-doctor$50.00$50.0012/8/2009 4:25:15 PM
desertoasis$50.00$50.0012/8/2009 4:22:31 PM
stable-nickel$85.00$85.0012/8/2009 4:27:00 PM
chumbawumba$25.00$25.0012/8/2009 4:27:28 PM
crazycool$35.00$35.0012/8/2009 4:29:48 PM
imdave4me$25.00$25.0012/8/2009 4:26:31 PM
Supernick$50.00$50.0012/8/2009 4:30:12 PM
littlemonkey$25.00$25.0012/8/2009 4:32:12 PM
five-star-justice$36.00$36.0012/8/2009 4:32:43 PM
turbospeed$25.00$25.0012/8/2009 4:31:56 PM
MoneyU4IA$40.00$40.0012/8/2009 4:33:42 PM
chlebie$50.00$50.0012/8/2009 4:32:32 PM
wise-spirited-nickel$50.00$50.0012/8/2009 4:30:56 PM
leodaguy$25.00$25.0012/8/2009 4:34:13 PM
Speculator$25.00$25.0012/8/2009 4:32:51 PM
blot44$25.00$25.0012/8/2009 4:31:24 PM
Frenchynh$25.00$25.0012/8/2009 4:32:55 PM
Attract$25.00$25.0012/8/2009 4:34:46 PM
Astounding$25.00$25.0012/8/2009 4:32:07 PM
personal-lender$25.00$25.0012/8/2009 4:34:59 PM
treasure-bliss$100.00$100.0012/8/2009 4:32:15 PM
responsibility-butterfly$25.00$25.0012/8/2009 4:32:26 PM
the-profit-oracle$25.00$25.0012/8/2009 4:32:35 PM
lloyd_s$25.00$25.0012/8/2009 4:34:05 PM
yield-lion$25.00$25.0012/8/2009 4:32:40 PM
elevated-platinum5$25.00$25.0012/8/2009 4:33:09 PM
DonaldColorado$25.00$25.0012/8/2009 4:36:13 PM
fireboss$25.00$25.0012/8/2009 4:36:26 PM
sidney102$25.00$25.0012/8/2009 4:33:36 PM
mikeandcat$50.00$50.0012/8/2009 4:35:37 PM
Tom579$25.00$25.0012/8/2009 4:37:11 PM
teller$60.00$60.0012/8/2009 4:36:17 PM
forthright-social$25.00$25.0012/8/2009 4:37:04 PM
best-deal-banker$50.00$50.0012/8/2009 4:36:44 PM
Artist_Blue$25.00$25.0012/8/2009 4:39:46 PM
puifais$25.00$25.0012/8/2009 4:39:08 PM
sharkm$40.00$40.0012/8/2009 4:39:22 PM
trade-pumpkin$25.00$25.0012/8/2009 4:37:30 PM
gracej$25.00$25.0012/8/2009 4:40:54 PM
elegant-bonus$25.00$25.0012/8/2009 4:41:03 PM
anakinsolo$25.00$25.0012/8/2009 4:38:29 PM
gold-commander0$50.00$50.0012/8/2009 4:39:16 PM
SNH$45.02$45.0212/8/2009 4:42:45 PM
dpjd$50.00$50.0012/8/2009 4:41:20 PM
Hondo$25.00$25.0012/8/2009 4:42:48 PM
punctual-power7$25.00$25.0012/8/2009 4:42:59 PM
greenback-visionary4$25.00$25.0012/8/2009 4:42:00 PM
ImaPutz$25.00$25.0012/8/2009 4:40:07 PM
best-community-platoon$25.00$25.0012/8/2009 4:43:43 PM
loyalist1$25.00$25.0012/8/2009 4:40:23 PM
summerlander$25.00$25.0012/8/2009 4:40:35 PM
EnigmaNYC-29$25.00$25.0012/8/2009 4:43:15 PM
JohnW12$25.00$25.0012/8/2009 4:43:23 PM
worthy-reward1$50.00$50.0012/8/2009 4:44:43 PM
thestartuplender$35.00$35.0012/8/2009 4:44:15 PM
sentimental-euro$25.00$25.0012/8/2009 4:44:39 PM
d_grbg$25.00$25.0012/8/2009 4:42:33 PM
Pizza-man$50.00$50.0012/8/2009 4:44:37 PM
Bank42$50.00$50.0012/8/2009 4:48:40 PM
miked8303$25.00$25.0012/8/2009 4:49:31 PM
mikrolown$25.00$25.0012/8/2009 4:49:34 PM
spreadgoodwill$25.00$25.0012/8/2009 4:48:35 PM
credit-kahuna$100.00$100.0012/8/2009 4:49:41 PM
Clambake$50.00$50.0012/8/2009 4:49:55 PM
WalnutCreekguy$33.00$33.0012/8/2009 4:50:06 PM
biobulator$25.00$25.0012/8/2009 4:49:29 PM
rolandweary$40.00$40.0012/8/2009 4:49:48 PM
RetiredATC$25.00$25.0012/8/2009 4:49:58 PM
chicco$80.00$53.1612/8/2009 4:50:08 PM
Interstate_Rate$500.00$500.0012/8/2009 4:48:14 PM
WHEREISTHEMOON$25.00$25.0012/8/2009 4:48:53 PM
Dap2005$25.00$25.0012/8/2009 4:49:04 PM
special-responsibility$25.00$25.0012/8/2009 4:49:06 PM
CAGE-Investments$50.00$50.0012/8/2009 4:49:15 PM
Diamond_Jim$25.00$25.0012/8/2009 4:49:17 PM
tremendous-payment$25.00$25.0012/8/2009 4:49:22 PM
minista$25.00$25.0012/8/2009 4:59:43 PM
Ven58$25.00$25.0012/8/2009 5:00:20 PM
GeoLender$50.00$50.0012/8/2009 5:35:56 PM
dontscrewmeover1$50.00$50.0012/8/2009 5:59:48 PM
TheTimeIsNow$25.00$25.0012/9/2009 10:39:49 AM
availableloan$25.00$25.0012/9/2009 4:37:40 PM
wwwUniversal$25.00$25.0012/9/2009 6:52:33 PM
longisland47m$25.00$25.0012/11/2009 4:23:35 AM
impartial-deal$25.00$25.0012/11/2009 11:16:26 AM
EmeritusX$25.00$25.0012/11/2009 11:08:33 AM
bold-dynamic-silver$25.00$25.0012/11/2009 3:26:59 PM
rmpedi33$100.00$100.0012/12/2009 7:52:32 AM
Montgomery-Burns$25.00$25.0012/12/2009 7:58:51 AM
all_of_that_one$25.00$25.0012/13/2009 7:30:58 AM
brutai$25.00$25.0012/14/2009 7:20:25 AM
oldman68$25.00$25.0012/13/2009 10:29:10 PM
skillful-diversification2$25.00$25.0012/14/2009 10:53:24 AM
thegreatstrafe$25.00$25.0012/14/2009 9:28:59 AM
oceanside$25.00$25.0012/14/2009 4:45:11 PM
JTHarris$75.00$75.0012/14/2009 8:28:51 PM
efficient-bid2$25.00$25.0012/15/2009 7:34:28 AM
loans-from-us-2-u$50.00$50.0012/15/2009 8:42:24 AM
raccoon123$50.00$50.0012/15/2009 10:05:26 AM
wild-orange$25.00$25.0012/15/2009 2:25:46 PM
Kyileo$50.00$50.0012/15/2009 3:31:24 PM
GOPHERBOY$200.00$200.0012/15/2009 3:33:59 PM
repayment-radio$100.00$100.0012/15/2009 3:12:55 PM
coloradoloanman$25.00$25.0012/15/2009 4:11:15 PM
236 bids
 
Borrower Payment Dependent Notes Series 438353
This series of Notes was issued and sold upon the funding of the borrower loan #40072, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-16-2009 
  Auction end date:  Dec-16-2009 
 
Starting lender yield: 32.00% Starting borrower rate/APR: 33.00% / 35.42% Starting monthly payment: $251.43
Final lender yield: 30.78% Final borrower rate/APR: 31.78% / 34.18% Final monthly payment: $247.56
 
Auction yield range: 11.20% - 32.00% Estimated loss impact: 10.78%  
Lender servicing fee: 1.00% Estimated return: 20.00%  
<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: Aug-1988 Debt/Income ratio: 32%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 17 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 60Length of status:9y 2m
Amount delinquent: $0 Revolving credit balance: $345 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 20 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: racco Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 89% ) 720-739 (Latest)
Principal borrowed: $8,200.00< mo. late: 3 ( 11% )  
740-759 (Oct-2009)
740-759 (Sep-2009)
640-659 (Jul-2007)
 
Principal balance: $2,436.06 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
New Roof
Purpose of loan:
(explain what you will be using this loan for) The purpose of this loan is to assist in paying for new roof on my home.
(explain why you are a good candidate for paying back this loan) I have worked in the Health Care field for 16 years as a Physical Therapist.? Therapists are in high demand and I am able to work side jobs at premieum rates to assist me in paying off this loan.? I currently manage a department of 50+ employees and have excellant earning potential.? I have one year left on an existing Prosper loan and have an excellent history of paying on the existing loan.?

Monthly net income: $ 4200

Monthly expenses: $
??Housing: $ 700
??Insurance: $?100
??Car expenses: $?0
??Utilities: $ 250
??Phone, cable, internet: $?200
??Food, entertainment: $ 225
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 700
??Other expenses: $ 300
Total Monthly Expenses:$2675
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ghinga$25.00$25.0012/16/2009 4:13:09 PM
skydiver111$25.00$25.0012/16/2009 4:15:28 PM
NoMoreDebt4Me$50.00$50.0012/16/2009 4:15:34 PM
lilgates26$25.00$25.0012/16/2009 4:15:36 PM
bluprntguy$25.00$25.0012/16/2009 4:15:53 PM
nowits10$25.00$25.0012/16/2009 4:16:30 PM
summerlander$25.00$25.0012/16/2009 4:16:56 PM
SPB$25.00$25.0012/16/2009 4:17:04 PM
social-gatherer7$25.00$25.0012/16/2009 4:18:00 PM
EtaDuck$25.00$25.0012/16/2009 4:18:23 PM
sharkm$25.00$25.0012/16/2009 4:18:29 PM
Sateesh$100.00$100.0012/16/2009 4:18:50 PM
Dubbs360$100.00$100.0012/16/2009 4:18:58 PM
money-maniac$50.00$50.0012/16/2009 4:19:06 PM
just-benefit$25.00$25.0012/16/2009 4:19:20 PM
coloradoloanman$25.00$25.0012/16/2009 4:10:31 PM
skro$25.00$25.0012/16/2009 4:20:32 PM
sentimental-euro$25.00$25.0012/16/2009 4:23:53 PM
tallmon$25.00$25.0012/16/2009 4:23:56 PM
gaileyb$25.00$25.0012/16/2009 4:15:43 PM
independent-investment$25.00$25.0012/16/2009 4:15:47 PM
BradP$50.00$28.4412/16/2009 4:24:46 PM
SpareChangeHero$25.00$25.0012/16/2009 4:15:59 PM
AceInTheHole$25.00$25.0012/16/2009 4:16:04 PM
powerplant6$25.00$25.0012/16/2009 4:16:15 PM
credit-force5$25.00$25.0012/16/2009 4:12:39 PM
KevinC_63366$25.00$25.0012/16/2009 4:16:23 PM
rob1971$25.00$25.0012/16/2009 4:25:13 PM
natecam$25.00$25.0012/16/2009 4:16:29 PM
loan-master996$50.00$50.0012/16/2009 4:25:22 PM
fareast_man$25.00$25.0012/16/2009 4:16:41 PM
andrewnar$25.00$25.0012/16/2009 4:25:28 PM
GMPK_TLAS$25.00$25.0012/16/2009 4:16:45 PM
yield-lion$25.00$25.0012/16/2009 4:25:38 PM
54CHEVY$100.00$100.0012/16/2009 4:16:47 PM
witty-principal$25.00$25.0012/16/2009 4:16:54 PM
zone8$100.00$100.0012/16/2009 4:17:03 PM
Lam0nt$25.00$25.0012/16/2009 4:17:17 PM
delivery$25.00$25.0012/16/2009 4:17:32 PM
p2ploan-leaper$25.00$25.0012/16/2009 4:14:18 PM
ChrisTJ$25.00$25.0012/16/2009 4:17:50 PM
murlirao2002$25.00$25.0012/16/2009 4:17:55 PM
IIP77$25.00$25.0012/16/2009 4:17:58 PM
etraboulay$25.00$25.0012/16/2009 4:18:05 PM
Calif-smo$25.00$25.0012/16/2009 4:18:15 PM
Kreditorium$100.00$100.0012/16/2009 4:18:27 PM
flwah$25.00$25.0012/16/2009 4:18:35 PM
JeffHoll$100.00$100.0012/16/2009 4:18:41 PM
Katburg$25.00$25.0012/16/2009 4:15:04 PM
selfmademan$25.00$25.0012/16/2009 4:18:48 PM
minddoc$25.00$25.0012/16/2009 4:18:55 PM
Carne_Chung$25.00$25.0012/16/2009 4:15:23 PM
doublediamond$25.00$25.0012/16/2009 4:19:00 PM
Simonsez808$25.00$25.0012/16/2009 4:15:30 PM
asiaratt$100.00$100.0012/16/2009 4:19:05 PM
JSDIG$100.00$100.0012/16/2009 4:15:40 PM
ITExec$78.32$78.3212/16/2009 4:15:58 PM
cornflakes100$25.00$25.0012/16/2009 4:19:18 PM
puppy880$25.00$25.0012/16/2009 4:16:11 PM
intrepid-transaction5$25.00$25.0012/16/2009 4:19:28 PM
ErikB$25.00$25.0012/16/2009 4:16:20 PM
oasis4$25.00$25.0012/16/2009 4:19:39 PM
leodaguy$25.00$25.0012/16/2009 4:16:26 PM
eronyc$25.00$25.0012/16/2009 4:20:03 PM
InChicago$25.00$25.0012/16/2009 4:16:50 PM
PatRichi$25.00$25.0012/16/2009 4:16:58 PM
first-restless-payout$25.00$25.0012/16/2009 4:17:05 PM
slartibardfast$25.00$25.0012/16/2009 4:20:28 PM
jhouman$25.00$25.0012/16/2009 4:20:30 PM
loanfairy$25.00$25.0012/16/2009 4:17:14 PM
JGB$25.00$25.0012/16/2009 4:17:35 PM
GatorBux$25.00$25.0012/16/2009 4:17:48 PM
Peterman$25.00$25.0012/16/2009 4:17:53 PM
visionary-currency$25.00$25.0012/16/2009 4:18:12 PM
cbz$25.00$25.0012/16/2009 4:18:25 PM
Wowzer$25.00$25.0012/16/2009 4:18:39 PM
lendme2$25.00$25.0012/16/2009 4:18:47 PM
Jonb6919$25.00$25.0012/16/2009 4:19:02 PM
treasure-transporter$25.00$25.0012/16/2009 4:19:13 PM
worldly-gold$25.00$25.0012/16/2009 4:19:23 PM
LEWK25$25.00$25.0012/16/2009 4:19:27 PM
GOPHERBOY$25.00$25.0012/16/2009 4:19:50 PM
truth-eclair$25.00$25.0012/16/2009 4:25:12 PM
greenwell$25.00$25.0012/16/2009 4:25:21 PM
EnigmaNYC-29$25.00$25.0012/16/2009 4:23:50 PM
DRA-Properties$25.00$25.0012/16/2009 4:24:48 PM
affluence-tycoon$25.00$25.0012/16/2009 4:25:08 PM
GElender$25.00$25.0012/16/2009 4:25:15 PM
Bank42$50.00$50.0012/16/2009 4:25:22 PM
thoughtful-community7$25.00$25.0012/16/2009 4:14:38 PM
smmgnn99$25.00$25.0012/16/2009 4:14:56 PM
TheCount$25.00$25.0012/16/2009 4:15:20 PM
MicroPod$25.00$25.0012/16/2009 4:15:32 PM
tomchap$25.00$25.0012/16/2009 4:15:44 PM
lending_pugs$25.00$25.0012/16/2009 4:15:51 PM
favorite-durability$25.00$25.0012/16/2009 4:16:08 PM
five-star-note$35.00$35.0012/16/2009 4:16:17 PM
ben10jen$25.00$25.0012/16/2009 4:16:37 PM
Hondo$25.00$25.0012/16/2009 4:16:52 PM
NR$25.00$25.0012/16/2009 4:16:59 PM
Fuzkaska__F_u_n_d_s$25.00$25.0012/16/2009 4:17:07 PM
Astounding$25.00$25.0012/16/2009 4:17:15 PM
TennSquire$25.00$25.0012/16/2009 4:17:38 PM
brother_tam$50.00$50.0012/16/2009 4:18:17 PM
supreme-hope$25.00$25.0012/16/2009 4:18:28 PM
TEAM-Jasper$25.00$25.0012/16/2009 4:18:46 PM
simplewareinc$50.00$50.0012/16/2009 4:18:53 PM
wrighco$25.00$25.0012/16/2009 4:19:01 PM
xzec777$25.00$25.0012/16/2009 4:19:12 PM
junctionking$25.00$25.0012/16/2009 4:19:21 PM
benjamins-voyage$25.00$25.0012/16/2009 4:19:55 PM
Andaliego$25.02$25.0212/16/2009 4:20:15 PM
steves73$25.00$25.0012/16/2009 4:23:54 PM
Rob717171$25.00$25.0012/16/2009 4:15:18 PM
ouyangers$25.00$25.0012/16/2009 4:15:46 PM
cocobear$25.00$25.0012/16/2009 4:15:49 PM
fostaman$25.00$25.0012/16/2009 4:16:00 PM
salala$25.00$25.0012/16/2009 4:16:06 PM
yeti888$25.00$25.0012/16/2009 4:16:19 PM
orange-vigilance-shower$25.00$25.0012/16/2009 4:25:06 PM
wise-cash-keeper$35.00$35.0012/16/2009 4:16:28 PM
louisianalender$100.00$100.0012/16/2009 4:25:18 PM
mtquan$25.00$25.0012/16/2009 4:16:33 PM
principal-kung-fu$25.00$25.0012/16/2009 4:25:24 PM
Cash_Angel$25.00$25.0012/16/2009 4:16:43 PM
fund-medalist171$25.00$25.0012/16/2009 4:25:30 PM
trustu$25.00$25.0012/16/2009 4:16:46 PM
money-explorer3$25.00$25.0012/16/2009 4:16:59 PM
open-minded-finance1$25.00$25.0012/16/2009 4:17:06 PM
rdecartus$25.00$25.0012/16/2009 4:17:28 PM
lagnisiruk$25.00$25.0012/16/2009 4:17:40 PM
randsenterprise$25.00$25.0012/16/2009 4:14:22 PM
red-favorable-basis$25.00$25.0012/16/2009 4:17:47 PM
Dap2005$25.00$25.0012/16/2009 4:17:51 PM
87Marc$25.00$25.0012/16/2009 4:17:57 PM
sunshinysmiles$25.00$25.0012/16/2009 4:18:03 PM
SDNLR$25.00$25.0012/16/2009 4:18:08 PM
NELNET$50.00$50.0012/16/2009 4:18:21 PM
spsavage$25.00$25.0012/16/2009 4:18:34 PM
runner262$25.00$25.0012/16/2009 4:18:37 PM
jlr613$25.00$25.0012/16/2009 4:18:43 PM
topher515$25.00$25.0012/16/2009 4:18:52 PM
stoopidnoodle$25.00$25.0012/16/2009 4:15:21 PM
Phantom99$25.00$25.0012/16/2009 4:18:56 PM
loanshark4u$25.00$25.0012/16/2009 4:15:26 PM
purdue98$25.00$25.0012/16/2009 4:19:04 PM
jldallover$25.00$25.0012/16/2009 4:15:38 PM
loner001$25.00$25.0012/16/2009 4:19:08 PM
CASHGIRL$25.00$25.0012/16/2009 4:15:56 PM
HappyHelpingLender$25.00$25.0012/16/2009 4:16:02 PM
mickeyroi$25.00$25.0012/16/2009 4:16:12 PM
JAVEHE$25.00$25.0012/16/2009 4:19:30 PM
sensible-trade$25.00$25.0012/16/2009 4:16:25 PM
dime-beeper$25.00$25.0012/16/2009 4:19:43 PM
AGSLending$25.00$25.0012/16/2009 4:16:27 PM
AF-Chief$26.00$26.0012/16/2009 4:20:09 PM
PayItForward09$25.00$25.0012/16/2009 4:16:53 PM
dparkhom$25.00$25.0012/16/2009 4:17:01 PM
bnlforever$25.00$25.0012/16/2009 4:20:29 PM
newbietony$25.00$25.0012/16/2009 4:17:21 PM
desertoasis$25.00$25.0012/16/2009 4:17:26 PM
order-prospector$25.00$25.0012/16/2009 4:17:43 PM
HunterSix$25.00$25.0012/16/2009 4:17:52 PM
deal-pioneer1$25.00$25.0012/16/2009 4:18:04 PM
SNH$50.00$50.0012/16/2009 4:18:19 PM
cash-tiramisu$67.22$67.2212/16/2009 4:18:32 PM
zeelender$25.00$25.0012/16/2009 4:18:45 PM
gold-auctioneer7$25.00$25.0012/16/2009 4:18:51 PM
phunktion$25.00$25.0012/16/2009 4:18:59 PM
professional-finance$25.00$25.0012/16/2009 4:19:07 PM
GeorgiaCredit$25.00$25.0012/16/2009 4:19:31 PM
Learning2Lend$50.00$50.0012/16/2009 4:19:52 PM
steady-payout6$25.00$25.0012/16/2009 4:20:26 PM
melodious-fairness$25.00$25.0012/16/2009 4:23:52 PM
secobarbital$25.00$25.0012/16/2009 4:25:16 PM
exact-loan5$30.00$30.0012/16/2009 4:25:23 PM
cash-boots$25.00$25.0012/16/2009 4:23:56 PM
UT-Longhorn$25.00$25.0012/16/2009 4:24:53 PM
Speculator$50.00$50.0012/16/2009 4:25:07 PM
sloan$25.00$25.0012/16/2009 4:25:10 PM
fcb202$25.00$25.0012/16/2009 4:25:20 PM
building_community$25.00$25.0012/16/2009 4:25:25 PM
treasure-bliss$100.00$100.0012/16/2009 4:25:40 PM
183 bids
 
Borrower Payment Dependent Notes Series 437326
This series of Notes was issued and sold upon the funding of the borrower loan #40080, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,100.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Dec-07-2009 
  Auction end date:  Dec-14-2009 
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $179.30
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $176.79
 
Auction yield range: 6.20% - 15.00% 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: Mar-2001 Debt/Income ratio: 36%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:3y 10m
Amount delinquent: $0 Revolving credit balance: $16,817 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 45%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: mrs_responsible Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Credit Card! at Lower %
Purpose of loan:
This loan will be used to help pay off my credit card once and for all!

My financial situation:
I am a good candidate for this loan because I always make payments on time and even at 15% interest I will be paying you as much as I currently pay the credit card but making progress at paying them off! My full time income is also supplemented by freelance graphic design work as well. I estimate I've made an additional $12,000 in 2009.

My credit card debt accrued from two things that happened within 10 months of each other: my father had a heart attack and passed away on the east coast, requiring significant cross country travel expenses, and the following summer my husband and I were married (also expensive). My goal is to pay these off as quickly as possible so we can start saving to buy a house.
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, can you describe your work/job/industry as well as that of your husband? thanks! - shrewd-income
A: I'm a full time graphic designer for a major university Art Museum and Film Archive, and I also do freelance design projects in my spare time. My husband works with autistic kids at a nearby elementary school. (Dec-09-2009)
Q: i like your 'handle', and will support your request, good luck! - shrewd-income
A: thanks! It's the truth. (Dec-14-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
HAVEANICEDAY$25.00$25.0012/7/2009 4:42:01 PM
imdave4me$25.00$25.0012/7/2009 4:42:41 PM
order-prospector$50.00$50.0012/7/2009 4:38:22 PM
helping-out$25.00$25.0012/7/2009 4:38:49 PM
bitbucket$50.00$50.0012/7/2009 4:38:58 PM
the-bright-velocity$25.00$25.0012/7/2009 4:42:06 PM
aasx1108$25.00$25.0012/7/2009 4:42:49 PM
chiemsee$25.00$25.0012/7/2009 4:42:39 PM
dollar-sunrise$25.00$25.0012/7/2009 4:43:47 PM
jybank$25.00$25.0012/7/2009 5:42:50 PM
dunrizzo$25.00$25.0012/7/2009 6:07:26 PM
mdreiss$25.00$25.0012/8/2009 9:45:26 AM
orbital-gain$25.00$25.0012/8/2009 12:04:36 PM
rustysailor$25.00$25.0012/8/2009 4:56:16 PM
Land_on_your_feet$25.00$25.0012/8/2009 7:27:57 PM
sddolphin2002$25.00$25.0012/9/2009 11:58:30 AM
killdare$25.00$25.0012/9/2009 12:31:53 PM
yield-lion$25.00$25.0012/9/2009 3:55:25 PM
ussugm$25.00$25.0012/10/2009 7:15:00 AM
benevolent-capital1$50.00$50.0012/10/2009 12:07:50 PM
zento$25.00$25.0012/10/2009 7:27:28 PM
unger$100.00$100.0012/11/2009 3:30:24 AM
Sol_Invictus$25.00$25.0012/11/2009 4:40:29 AM
impartial-deal$25.00$25.0012/11/2009 11:22:18 AM
TakeCare$100.00$100.0012/11/2009 10:03:28 AM
bobby51$50.00$50.0012/11/2009 11:25:21 AM
vest_vortex$25.00$25.0012/11/2009 7:01:32 PM
bondhedger$25.00$25.0012/12/2009 12:18:42 AM
fcukciti$100.00$100.0012/12/2009 4:45:57 AM
JerryB96$25.00$25.0012/12/2009 9:20:21 AM
organic-platinum$25.00$25.0012/13/2009 2:58:00 AM
psalms6612$25.00$25.0012/13/2009 10:01:53 AM
MattProsper$100.00$100.0012/13/2009 8:59:23 PM
oldman68$25.00$25.0012/13/2009 10:16:36 PM
gothampark$25.00$25.0012/13/2009 2:40:04 PM
payout-magician$25.00$25.0012/13/2009 3:14:13 PM
outofoffice$25.00$25.0012/13/2009 9:28:00 PM
KingCroesus$25.00$25.0012/13/2009 10:34:52 PM
money-prophesy$150.00$150.0012/14/2009 11:57:53 AM
piter-to-la-investment$25.00$25.0012/14/2009 1:50:18 PM
sharp-credit$495.03$495.0312/14/2009 12:19:12 PM
Bob450$25.00$25.0012/14/2009 2:51:53 PM
Astyanax$25.00$25.0012/14/2009 1:59:31 PM
exciting-fairness$200.00$200.0012/14/2009 3:24:08 PM
orbital-gain$50.00$50.0012/14/2009 4:33:07 PM
wise-agile-investment$25.00$25.0012/7/2009 4:38:12 PM
triumph329$25.00$25.0012/7/2009 4:41:52 PM
asiaratt$53.36$53.3612/7/2009 4:42:15 PM
integrity-doctor$50.00$50.0012/7/2009 4:37:30 PM
Hondo$25.00$25.0012/7/2009 4:39:09 PM
gaileyb$25.00$25.0012/7/2009 4:42:24 PM
Hola_James$30.00$25.1712/7/2009 4:44:08 PM
comicfanatic1966$50.00$50.0012/7/2009 6:31:02 PM
billboy85$25.00$25.0012/7/2009 6:17:44 PM
orbiter614$50.00$50.0012/8/2009 4:54:06 AM
jcquiroz$65.84$65.8412/8/2009 10:37:59 AM
jonn834$25.00$25.0012/8/2009 10:51:03 AM
ajst1$62.38$62.3812/8/2009 5:38:53 PM
BR-549$25.00$25.0012/9/2009 4:59:02 AM
GyJAV_BNCCo$25.00$25.0012/9/2009 10:20:20 AM
JBG$25.00$25.0012/9/2009 10:27:01 AM
shrewd-income$25.00$25.0012/9/2009 11:05:13 AM
aurorafinancial$50.00$50.0012/9/2009 1:19:33 PM
Firescreek$25.00$25.0012/9/2009 3:33:38 PM
Bieling$25.00$25.0012/9/2009 5:18:59 PM
AaronL$33.00$33.0012/9/2009 5:01:31 PM
1SteelerFan$35.00$35.0012/10/2009 10:29:46 AM
KingCroesus$25.00$25.0012/10/2009 10:12:44 PM
slick8812$25.00$25.0012/10/2009 10:44:26 PM
Millmanator$25.00$25.0012/11/2009 6:40:57 AM
Zagit$25.00$25.0012/11/2009 5:58:52 AM
grammaspurse$25.00$25.0012/11/2009 8:19:23 AM
tedi-tif$25.00$25.0012/11/2009 2:46:50 PM
bold-dynamic-silver$25.00$25.0012/11/2009 7:37:18 PM
spiff666$25.00$25.0012/12/2009 11:31:24 AM
MWMoney$25.00$25.0012/12/2009 1:40:21 PM
UBOtto186$25.00$25.0012/12/2009 3:06:58 PM
longisland47m$25.00$25.0012/12/2009 9:33:42 AM
JPAW777$25.00$25.0012/12/2009 8:05:56 AM
mattblizz$25.00$25.0012/12/2009 11:10:25 AM
agreement-bunny$25.00$25.0012/12/2009 8:57:18 AM
silver-boots$50.00$50.0012/13/2009 7:16:26 AM
sharp-credit$262.45$262.4512/13/2009 4:21:14 AM
durability-mad-scientist4$100.00$100.0012/12/2009 7:50:57 PM
rawsushi$25.00$25.0012/13/2009 1:55:31 AM
bankofmay$25.00$25.0012/13/2009 4:38:41 PM
nalaari$50.00$50.0012/13/2009 1:03:40 PM
generous-deal6$25.00$25.0012/13/2009 10:41:12 AM
GOPHERBOY$100.00$100.0012/13/2009 3:47:04 PM
Kelor99$25.00$25.0012/14/2009 6:24:30 AM
fascinating-gold$100.00$100.0012/13/2009 7:05:02 PM
Sven79$100.00$100.0012/14/2009 12:46:11 AM
PotBellyPete$40.82$40.8212/14/2009 7:39:15 AM
TheSpottedFlamingo$25.00$25.0012/14/2009 3:50:10 AM
momentous-transaction8$200.00$200.0012/14/2009 11:03:34 AM
Feyenoord$25.00$25.0012/14/2009 11:51:58 AM
carrinel$100.00$100.0012/14/2009 8:32:31 AM
five-star-note$35.00$35.0012/14/2009 12:58:29 PM
suzanny$25.00$25.0012/14/2009 10:57:34 AM
justice-hawk$25.00$25.0012/14/2009 11:08:01 AM
Kyileo$25.00$25.0012/14/2009 11:27:46 AM
FCandL$25.00$25.0012/14/2009 3:16:27 PM
usedtoborrow$25.00$25.0012/14/2009 3:54:36 PM
careful-wealth$50.00$50.0012/14/2009 1:49:05 PM
The-CAPS-fan$40.00$40.0012/14/2009 2:09:19 PM
shrewd-income$51.95$51.9512/14/2009 3:57:09 PM
dime-beeper$50.00$50.0012/14/2009 3:14:53 PM
Techne_Funds_LLC$25.00$25.0012/14/2009 4:07:23 PM
ghinga$25.00$25.0012/14/2009 4:18:22 PM
109 bids
 
Borrower Payment Dependent Notes Series 437644
This series of Notes was issued and sold upon the funding of the borrower loan #40074, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Dec-09-2009 
  Auction end date:  Dec-16-2009 
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $175.79
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $173.33
 
Auction yield range: 6.20% - 15.00% 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: Apr-1995 Debt/Income ratio: 21%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $35,028 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: courteous-return9 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying CC's off to get on track!
Purpose of loan:
This loan will be used to pay of my high APR credit cards and get myself back on track to reduce overall debt.? With the financial crisis, company's like Amex have cut my credit, while other companys (like Homedepot!) are looking to raise APR to 25% before government changes take affect.? I really want to make sure I am in a good place as the economy starts to hopefully recover.

My financial situation:
I am a good candidate for this loan because?I have a good credit rating, own a home with my wife and two kids, have a steady job (which they will hopefully remove the?hold on raises for the past 3 years) and as boring as a life as it sounds. :)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please describe your occupation. Also, please provide your take home pay and list of monthly expenses. Thanks. - exciting-fairness
A: I am a manager of a help desk for a computer consulting group. I take home about $2100 a paycheck (bimonthly) and we have normal expenses (Mortgage, Car payment, insurance, CC's, School loans). (Dec-11-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
affluence-tomahawk$25.00$25.0012/9/2009 4:01:44 PM
lendme2$36.66$36.6612/9/2009 4:02:06 PM
DRA-Properties$25.00$25.0012/9/2009 4:03:35 PM
wealth-cloud$25.00$25.0012/9/2009 4:03:41 PM
coin-investor$25.00$25.0012/9/2009 4:04:15 PM
duckbill_1972$25.00$25.0012/9/2009 4:04:51 PM
aldeed$25.00$25.0012/9/2009 4:04:56 PM
p2ploan-leaper$50.00$50.0012/9/2009 4:05:23 PM
divedude$25.00$25.0012/9/2009 4:04:09 PM
heroic-benefit$50.00$50.0012/9/2009 4:04:38 PM
interest-exec9$25.00$25.0012/9/2009 4:04:58 PM
minista$25.00$25.0012/9/2009 4:37:21 PM
SolarMoonshine$100.00$100.0012/9/2009 5:44:32 PM
sparkmeister$25.00$25.0012/10/2009 4:11:05 PM
PR05P3RToday$25.00$25.0012/10/2009 4:04:24 PM
zento$25.00$25.0012/10/2009 7:28:46 PM
impartial-deal$25.00$25.0012/11/2009 11:23:34 AM
TashaRemay$25.00$25.0012/11/2009 9:44:36 PM
aurorafinancial$50.00$50.0012/11/2009 10:19:59 PM
GOPHERBOY$100.00$100.0012/13/2009 3:49:03 PM
scho0590$50.00$50.0012/13/2009 10:53:00 AM
dmitriy2$25.00$25.0012/13/2009 5:48:41 PM
JUDAHiNVESTMENTGROUP$25.00$25.0012/14/2009 5:07:23 PM
oldman68$25.00$25.0012/14/2009 8:51:13 PM
Sol_Invictus$25.00$25.0012/15/2009 4:21:13 AM
FG9YTR$25.00$25.0012/15/2009 10:41:03 AM
the-bright-velocity$100.00$100.0012/15/2009 8:08:35 AM
dmitriy2$25.00$25.0012/15/2009 10:11:20 AM
squarebob$25.00$25.0012/15/2009 5:13:44 PM
Trondheim_Norway$100.00$100.0012/15/2009 7:08:46 PM
dunox$25.00$25.0012/15/2009 7:44:29 PM
kaiger$25.00$25.0012/15/2009 8:14:33 PM
money-prophesy$150.00$150.0012/15/2009 5:16:27 PM
jd006006$40.00$40.0012/15/2009 9:03:52 PM
gothampark$25.00$25.0012/15/2009 6:13:31 PM
Joeburly$25.00$25.0012/15/2009 11:12:39 PM
supreme-hope$25.00$25.0012/16/2009 12:47:14 AM
Archchancellor$25.00$25.0012/15/2009 7:53:54 PM
BuzzyBee336$25.00$25.0012/15/2009 8:49:33 PM
joplinoz$25.00$25.0012/16/2009 5:10:41 AM
dollar-high-five$25.00$25.0012/15/2009 7:58:33 PM
KB4UF$25.00$25.0012/15/2009 9:03:51 PM
dime-beeper$25.00$25.0012/15/2009 8:20:18 PM
nicklds$25.00$25.0012/15/2009 10:41:58 PM
peso-mate$25.00$25.0012/15/2009 10:43:06 PM
a-important-leverage$25.00$25.0012/15/2009 10:00:23 PM
steiglends$50.00$50.0012/16/2009 2:38:11 AM
cptmorgin$25.00$25.0012/16/2009 8:33:38 AM
intrepid-transaction5$25.00$25.0012/16/2009 5:09:06 AM
Phantom99$25.00$25.0012/15/2009 10:58:55 PM
bondo41$25.00$25.0012/16/2009 5:57:15 AM
spsavage$25.00$25.0012/16/2009 12:22:18 AM
MonkeyHero$25.00$25.0012/16/2009 10:45:37 AM
sorace$50.00$50.0012/16/2009 7:51:47 AM
MO_Investor$25.00$25.0012/16/2009 5:15:39 AM
deal-dreams3$25.00$25.0012/16/2009 5:23:02 AM
Feyenoord$25.00$25.0012/16/2009 8:33:22 AM
leftcoast52$25.00$25.0012/16/2009 12:21:38 PM
repaintandrepair$25.00$25.0012/16/2009 12:24:53 PM
tisiphone$25.00$25.0012/16/2009 8:09:45 AM
rockhound84$25.00$25.0012/16/2009 11:01:16 AM
mustang9935$25.00$25.0012/16/2009 9:48:44 AM
IrishRudy45$50.00$50.0012/16/2009 11:04:17 AM
VWA_to_the_Rescue$25.00$25.0012/16/2009 11:20:01 AM
credit-coach118$45.00$45.0012/16/2009 10:27:14 AM
suburbanman64$40.00$40.0012/16/2009 1:44:33 PM
investment-cluster$25.00$25.0012/16/2009 2:13:32 PM
imlosttoo$25.00$25.0012/16/2009 12:46:26 PM
Sonihal$35.36$35.3612/16/2009 2:54:57 PM
the-profit-oracle$25.00$25.0012/16/2009 3:00:03 PM
bevans$25.00$25.0012/16/2009 12:08:23 PM
careful-wealth$50.00$50.0012/16/2009 3:35:39 PM
velocity-winner$25.00$25.0012/16/2009 2:13:26 PM
Engineer44$30.00$30.0012/16/2009 4:00:06 PM
market-inspector$25.00$25.0012/9/2009 4:03:25 PM
LiquidLender$25.00$25.0012/9/2009 4:03:19 PM
TigerForce$25.00$25.0012/9/2009 4:03:47 PM
diplomatic-point4$50.00$48.3412/9/2009 4:05:29 PM
Bob450$25.00$25.0012/9/2009 4:19:33 PM
building_community$25.00$25.0012/9/2009 4:21:32 PM
Ven58$25.00$25.0012/9/2009 4:38:00 PM
ussugm$25.00$25.0012/10/2009 7:19:08 AM
jonn834$25.00$25.0012/10/2009 12:19:36 PM
orbiter614$37.00$37.0012/10/2009 4:05:35 PM
3am-preacher$25.00$25.0012/10/2009 5:03:45 PM
dontscrewmeover1$25.00$25.0012/10/2009 5:51:21 PM
longisland47m$25.00$25.0012/12/2009 3:35:48 AM
Chessplayer71$35.90$35.9012/13/2009 5:36:05 PM
Frugal$25.00$25.0012/13/2009 8:24:33 PM
cordial-integrity$50.00$50.0012/14/2009 2:01:05 PM
The-CAPS-fan$35.00$35.0012/14/2009 2:10:13 PM
dime-neutron$25.00$25.0012/14/2009 5:07:27 PM
grammaspurse$25.00$25.0012/14/2009 8:29:33 PM
momentous-transaction8$200.00$200.0012/15/2009 11:26:34 AM
piter-to-la-investment$25.00$25.0012/15/2009 3:12:36 PM
GOPHERBOY$75.00$75.0012/15/2009 3:13:34 PM
wwwUniversal$25.00$25.0012/15/2009 4:33:57 PM
patriot384$150.00$150.0012/15/2009 6:00:16 PM
ultimatepaintball$25.00$25.0012/15/2009 4:45:27 PM
organic-platinum$25.00$25.0012/15/2009 4:58:54 PM
market-jam$61.74$61.7412/15/2009 5:16:28 PM
night0wl$25.00$25.0012/15/2009 8:04:20 PM
interest-friendship$50.00$50.0012/15/2009 5:52:29 PM
tuneman1980$25.00$25.0012/15/2009 8:54:43 PM
coloradoloanman$25.00$25.0012/15/2009 8:20:22 PM
benjamins-voyage$25.00$25.0012/15/2009 11:57:59 PM
auction-elvis$25.00$25.0012/15/2009 8:31:37 PM
Interloper$25.00$25.0012/15/2009 8:46:15 PM
galtsgulch$25.00$25.0012/15/2009 7:55:02 PM
bullwink27$25.00$25.0012/16/2009 4:58:23 AM
dschless$50.00$50.0012/16/2009 5:23:05 AM
bountiful-bazaar$25.00$25.0012/15/2009 8:08:10 PM
B-rad_the_Coug$25.00$25.0012/15/2009 9:42:55 PM
GElender$50.00$50.0012/16/2009 6:27:24 AM
fireboss$100.00$100.0012/15/2009 8:20:03 PM
balance-force$25.00$25.0012/15/2009 10:22:55 PM
murlirao2002$25.00$25.0012/15/2009 10:52:33 PM
Loan_shark718$75.00$75.0012/15/2009 8:45:03 PM
red-favorable-basis$25.00$25.0012/16/2009 12:39:52 AM
steady-dime$100.00$100.0012/16/2009 3:48:32 AM
PCity-LOA15$30.00$30.0012/16/2009 6:57:30 AM
buggzz$25.00$25.0012/16/2009 10:32:23 AM
reBuild-America$25.00$25.0012/16/2009 10:49:49 AM
janderz990$25.00$25.0012/16/2009 6:23:55 AM
amor1962$25.00$25.0012/16/2009 12:36:51 PM
blackstar$25.00$25.0012/16/2009 12:59:16 PM
McDough$25.00$25.0012/16/2009 1:23:03 PM
suomynona$25.00$25.0012/16/2009 3:09:17 PM
divrekku$25.00$25.0012/16/2009 1:32:04 PM
dalejr410$25.00$25.0012/16/2009 12:22:53 PM
How$25.00$25.0012/16/2009 2:28:54 PM
efficient-bid2$25.00$25.0012/16/2009 2:40:26 PM
visionary-commerce$25.00$25.0012/16/2009 1:22:53 PM
TakeCare$200.00$200.0012/16/2009 3:35:24 PM
0403$25.00$25.0012/16/2009 4:00:32 PM
135 bids
 
Borrower Payment Dependent Notes Series 438648
This series of Notes was issued and sold upon the funding of the borrower loan #40073, 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-16-2009 
  Auction end date:  Dec-21-2009 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $66.00
Final lender yield: 12.00% Final borrower rate/APR: 13.00% / 15.14% Final monthly payment: $58.96
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.76%  
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: 10 First credit line: Jul-1982 Debt/Income ratio: 11%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 15 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 70Length of status:17y 6m
Amount delinquent: $0 Revolving credit balance: $10,705 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 72%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: jarevack 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 37 ( 97% ) 680-699 (Latest)
Principal borrowed: $8,750.00< mo. late: 1 ( 3% )  
680-699 (Oct-2009)
640-659 (Jul-2008)
600-619 (Mar-2008)
700-719 (Jul-2007)
 
Principal balance: $2,157.44 1+ mo. late: 0 ( 0% )
Total payments billed: 38  
Description
Lender/Borrower Seeking 3rd Loan
Purpose of loan:

To pay off adjustable rate credit card.? Current balance is 1694.82 @ 28.24%.

My financial situation:

Using the?principles learned from Dave Ramsey's Financial Peace University we have?created a budget that allows for paying?down all?of our?debts?without incurring more credit card debt.??We are committed to making payments and buying/paying for?necessities (food, clothing, transportation, housing) without using credit cards!? I have an excellent Prosper payment history with one loan paid off early and the other now in its last year of repayment.

Monthly net income: $ 4800

Monthly expenses: $?3350
??Housing: $ 1700
??Insurance: $ 75
??Utilities: $ 300
??Phone, internet, wireless: $ 175
??Food, entertainment: $ 400
??Clothing, household expenses $?100
??Credit cards and other loans: $ 600
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
impartial-deal$26.68$26.6812/16/2009 9:32:13 PM
FinanceEngine$30.00$30.0012/17/2009 3:36:39 PM
UncleSafety$75.00$75.0012/18/2009 4:01:15 PM
soilchem$25.00$25.0012/18/2009 5:19:46 PM
bid-wonder$25.00$25.0012/18/2009 11:14:49 PM
The-CAPS-fan$45.00$45.0012/19/2009 1:03:14 PM
nickel-pipeline$35.00$35.0012/19/2009 2:45:24 PM
Peacepower$51.85$51.8512/19/2009 7:02:11 PM
bbeeler$255.87$255.8712/19/2009 7:21:55 PM
Whitey$50.00$50.0012/20/2009 8:37:18 AM
BHopkins$50.00$50.0012/20/2009 8:44:55 AM
wildanne$50.00$50.0012/20/2009 12:13:17 PM
justice-hawk$50.00$50.0012/20/2009 7:09:27 PM
booie$25.00$25.0012/21/2009 9:37:01 AM
JGuide$50.00$50.0012/21/2009 1:09:43 PM
CA_Lender$25.00$25.0012/20/2009 10:57:48 PM
lasalsa03$26.81$26.8112/17/2009 5:44:40 AM
suzanny$25.00$25.0012/18/2009 5:10:54 AM
payontime1$50.00$50.0012/18/2009 11:04:30 PM
qcksilvr20$50.00$50.0012/19/2009 7:29:48 AM
maccpro1$50.00$50.0012/19/2009 4:34:31 PM
shrewd-income$250.00$250.0012/20/2009 3:33:15 AM
jpblan11$25.00$25.0012/20/2009 6:38:09 AM
zento$25.00$25.0012/20/2009 9:56:03 AM
helping-out$25.00$25.0012/20/2009 3:39:56 PM
lender12345$25.00$25.0012/20/2009 9:44:50 PM
sharp-credit$434.39$298.7912/21/2009 11:04:30 AM
justice-hawk$30.00$30.0012/21/2009 1:10:51 PM
28 bids
 
Borrower Payment Dependent Notes Series 438658
This series of Notes was issued and sold upon the funding of the borrower loan #40077, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-16-2009 
  Auction end date:  Dec-16-2009 
 
Starting lender yield: 10.40% Starting borrower rate/APR: 11.40% / 13.52% Starting monthly payment: $263.43
Final lender yield: 10.35% Final borrower rate/APR: 11.35% / 13.47% Final monthly payment: $263.24
 
Auction yield range: 4.20% - 10.40% 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: 9 First credit line: Oct-1993 Debt/Income ratio: 24%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 17 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:4y 2m
Amount delinquent: $0 Revolving credit balance: $14,413 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: heroic-truth1 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.
Description
Paying off some credit cards
Purpose of loan:
This loan will be used to pay down some credit card debt

My financial situation:
I am a good candidate for this loan because I can repay this with no issues.

Monthly net income: $ 4400.00

Monthly expenses: $
??Housing: $?1700
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
summerlander$25.00$25.0012/16/2009 4:11:13 PM
sentimental-euro$25.00$25.0012/16/2009 4:11:30 PM
Duanep01$25.00$25.0012/16/2009 4:11:51 PM
Velocity_Lenders$100.00$100.0012/16/2009 4:11:59 PM
economy-structure9$25.00$25.0012/16/2009 4:12:02 PM
cerebral-return3$25.00$25.0012/16/2009 4:12:06 PM
coondog$25.00$25.0012/16/2009 4:13:30 PM
money-maniac$50.00$50.0012/16/2009 4:13:49 PM
mathprof$25.00$25.0012/16/2009 4:14:30 PM
thoughtful-community7$25.00$25.0012/16/2009 4:14:40 PM
first-wampum-trapper$25.00$25.0012/16/2009 4:14:48 PM
FlexFunding$100.00$100.0012/16/2009 4:15:10 PM
TakeCare$100.00$100.0012/16/2009 4:11:25 PM
NR$25.00$25.0012/16/2009 4:11:48 PM
djs81$25.00$25.0012/16/2009 4:11:57 PM
honorable-yield$75.00$75.0012/16/2009 4:20:48 PM
MidLifeCrisis$50.00$50.0012/16/2009 4:12:16 PM
DandBFamily$25.00$25.0012/16/2009 4:20:59 PM
EdgeonFl$25.00$25.0012/16/2009 4:12:22 PM
deal-kung-fu$25.00$25.0012/16/2009 4:12:24 PM
Kame$25.00$25.0012/16/2009 4:21:44 PM
JandJ-Bank$25.00$25.0012/16/2009 4:13:12 PM
KiwiElf$30.00$30.0012/16/2009 4:22:11 PM
mamayama$25.00$25.0012/16/2009 4:13:20 PM
CASHGIRL$75.00$75.0012/16/2009 4:13:34 PM
diplomatic-point4$50.00$50.0012/16/2009 4:22:50 PM
astute-dollar$100.00$100.0012/16/2009 4:13:41 PM
financial-frenzy$25.00$25.0012/16/2009 4:22:53 PM
hard-working-loot$25.00$25.0012/16/2009 4:13:46 PM
SDNLR$25.00$25.0012/16/2009 4:22:55 PM
discrete-asset$25.00$25.0012/16/2009 4:23:06 PM
jbaum$150.00$150.0012/16/2009 4:23:14 PM
mizount$25.00$25.0012/16/2009 4:14:01 PM
degster$25.00$25.0012/16/2009 4:23:19 PM
the-precious-bid$25.00$25.0012/16/2009 4:14:05 PM
Hexnut$50.00$50.0012/16/2009 4:14:13 PM
JGB$25.00$25.0012/16/2009 4:23:33 PM
wonderful-rupee$25.00$25.0012/16/2009 4:14:27 PM
dbzen$50.00$50.0012/16/2009 4:23:35 PM
Zarks$25.00$25.0012/16/2009 4:23:46 PM
fair-funds$25.00$25.0012/16/2009 4:11:09 PM
surfhoss644$25.00$25.0012/16/2009 4:11:17 PM
ijspence$25.00$25.0012/16/2009 4:14:57 PM
miked8303$25.00$25.0012/16/2009 4:15:12 PM
zenchef$25.00$25.0012/16/2009 4:11:36 PM
Speculator$25.00$25.0012/16/2009 4:24:32 PM
Sixmil$25.00$25.0012/16/2009 4:24:46 PM
divedude$25.00$25.0012/16/2009 4:24:50 PM
credit-coach118$40.00$40.0012/16/2009 4:24:55 PM
worklessmakemore$25.00$25.0012/16/2009 4:12:43 PM
eg192$25.00$25.0012/16/2009 4:13:26 PM
elevated-platinum5$25.00$25.0012/16/2009 4:25:46 PM
the-bright-velocity$50.00$50.0012/16/2009 4:16:48 PM
credit-investor5$100.00$14.0012/16/2009 4:25:48 PM
repayment-chef$25.00$25.0012/16/2009 4:13:44 PM
dollar-spy$25.00$25.0012/16/2009 4:14:07 PM
Aeroman32$25.00$25.0012/16/2009 4:14:10 PM
availableloan$25.00$25.0012/16/2009 4:27:04 PM
woodenshoes$25.00$25.0012/16/2009 4:14:23 PM
kirkjerk$25.00$25.0012/16/2009 4:14:35 PM
lifegrowth$25.00$25.0012/16/2009 4:14:50 PM
saritha$25.00$25.0012/16/2009 4:15:03 PM
Archchancellor$25.00$25.0012/16/2009 4:28:35 PM
finance-historian$25.00$25.0012/16/2009 4:15:06 PM
tuneman1980$25.00$25.0012/16/2009 4:29:23 PM
Kerrysbay$25.00$25.0012/16/2009 4:17:09 PM
a-important-leverage$25.00$25.0012/16/2009 4:29:55 PM
wrighco$25.00$25.0012/16/2009 4:29:58 PM
HunterSix$25.00$25.0012/16/2009 4:30:18 PM
greenwell$50.00$50.0012/16/2009 4:20:50 PM
red-favorable-basis$25.00$25.0012/16/2009 4:30:26 PM
galaxy1$25.00$25.0012/16/2009 4:21:02 PM
lean-velocity$25.00$25.0012/16/2009 4:21:12 PM
flopcat$25.00$25.0012/16/2009 4:21:14 PM
Musicman1950$25.00$25.0012/16/2009 4:21:19 PM
GElender$50.00$50.0012/16/2009 4:30:44 PM
cptmorgin$25.00$25.0012/16/2009 4:30:58 PM
lry651$25.00$25.0012/16/2009 4:19:22 PM
skvat$25.00$25.0012/16/2009 4:21:55 PM
brightest-durability-chomper$25.00$25.0012/16/2009 4:31:16 PM
duckbill_1972$25.00$25.0012/16/2009 4:19:24 PM
danfrphils$25.00$25.0012/16/2009 4:19:48 PM
cash-boots$30.00$30.0012/16/2009 4:20:05 PM
fcukciti$25.00$25.0012/16/2009 4:22:37 PM
DonaldColorado$25.00$25.0012/16/2009 4:20:10 PM
foxy-vigilance$25.00$25.0012/16/2009 4:20:34 PM
Jassi$25.00$25.0012/16/2009 4:20:39 PM
lend_to_you$50.00$50.0012/16/2009 4:20:45 PM
freesia54$25.00$25.0012/16/2009 4:20:57 PM
gethsemane4$25.00$25.0012/16/2009 4:23:26 PM
bchen78875$50.00$50.0012/16/2009 4:21:11 PM
lagnisiruk$25.00$25.0012/16/2009 4:23:31 PM
highcountry1$25.00$25.0012/16/2009 4:38:51 PM
Carpetkid$50.00$50.0012/16/2009 4:21:24 PM
fatson43$25.00$25.0012/16/2009 4:24:02 PM
mlopez2007$50.00$50.0012/16/2009 4:24:09 PM
first-class-dime$25.00$25.0012/16/2009 4:21:59 PM
elasermd$50.00$50.0012/16/2009 4:22:13 PM
forthright-dedication$25.00$25.0012/16/2009 4:25:05 PM
opt1mum$25.00$25.0012/16/2009 4:22:21 PM
thedoctor$80.00$80.0012/16/2009 4:25:36 PM
museic1$25.00$25.0012/16/2009 4:25:47 PM
loan-selector622$25.00$25.0012/16/2009 4:23:00 PM
useful-p2ploan$50.00$50.0012/16/2009 4:23:10 PM
TK4$25.00$25.0012/16/2009 4:23:29 PM
BayShell$50.00$50.0012/16/2009 4:24:00 PM
Klearwater_Pools$25.00$25.0012/16/2009 4:24:04 PM
JeffHoll$100.00$100.0012/16/2009 4:24:21 PM
agwosdof$100.00$100.0012/16/2009 4:24:28 PM
wealth-cloud$25.00$25.0012/16/2009 4:24:38 PM
JJS180$25.00$25.0012/16/2009 4:24:45 PM
open-minded-credit4$25.00$25.0012/16/2009 4:24:57 PM
rulender$50.00$50.0012/16/2009 4:25:00 PM
night0wl$25.00$25.0012/16/2009 4:28:42 PM
dime-beeper$25.00$25.0012/16/2009 4:28:51 PM
chumbawumba$25.00$25.0012/16/2009 4:25:32 PM
jd006006$40.00$40.0012/16/2009 4:29:35 PM
Phantom99$25.00$25.0012/16/2009 4:30:10 PM
benjamins-voyage$25.00$25.0012/16/2009 4:30:14 PM
VWA_to_the_Rescue$25.00$25.0012/16/2009 4:31:21 PM
auction-elvis$25.00$25.0012/16/2009 4:29:02 PM
McDough$25.00$25.0012/16/2009 4:31:50 PM
joplinoz$25.00$25.0012/16/2009 4:30:40 PM
bowdish1$50.00$50.0012/16/2009 4:31:01 PM
slico$25.00$25.0012/16/2009 4:43:07 PM
How$25.00$25.0012/16/2009 4:31:53 PM
one2sojourn$50.00$50.0012/16/2009 4:11:20 PM
4XKcWfGvp9kC3ELjo4pL$25.00$25.0012/16/2009 4:11:43 PM
diversification-viking$25.00$25.0012/16/2009 4:12:05 PM
verse99$25.00$25.0012/16/2009 4:12:19 PM
Dap2005$25.00$25.0012/16/2009 4:12:26 PM
MarinLoans$50.00$50.0012/16/2009 4:12:47 PM
bonus-patriot$25.00$25.0012/16/2009 4:12:51 PM
CPDDDS$50.00$50.0012/16/2009 4:12:59 PM
shanadip$25.00$25.0012/16/2009 4:13:03 PM
bigballer105$25.00$25.0012/16/2009 4:13:43 PM
the-debt-fluffy-bunny$25.00$25.0012/16/2009 4:13:55 PM
p2ploan-leaper$25.00$25.0012/16/2009 4:14:19 PM
USMC0311$25.00$25.0012/16/2009 4:15:14 PM
Rob717171$25.00$25.0012/16/2009 4:15:17 PM
ljay$25.00$25.0012/16/2009 4:17:12 PM
Steveoo1$25.00$25.0012/16/2009 4:17:19 PM
the-commitment-idol$25.00$25.0012/16/2009 4:19:35 PM
wdove511$25.00$25.0012/16/2009 4:11:02 PM
rjleves$25.00$25.0012/16/2009 4:20:20 PM
kochan123$25.00$25.0012/16/2009 4:12:14 PM
elegant-income3$25.00$25.0012/16/2009 4:21:04 PM
inspired-contract9$50.00$50.0012/16/2009 4:21:42 PM
credit-force5$25.00$25.0012/16/2009 4:12:41 PM
syounker$25.00$25.0012/16/2009 4:21:45 PM
justice-dna$35.00$35.0012/16/2009 4:12:48 PM
ms48105$25.00$25.0012/16/2009 4:13:16 PM
money-explorer3$25.00$25.0012/16/2009 4:13:22 PM
bds9646$26.00$26.0012/16/2009 4:22:17 PM
greenbackologist$25.00$25.0012/16/2009 4:13:23 PM
aasx1108$25.00$25.0012/16/2009 4:22:23 PM
fund-medalist171$25.00$25.0012/16/2009 4:13:28 PM
AndersenWatcher$25.00$25.0012/16/2009 4:22:43 PM
CorMDNY$25.00$25.0012/16/2009 4:13:32 PM
iansays1$25.00$25.0012/16/2009 4:13:51 PM
aspen5$25.00$25.0012/16/2009 4:23:07 PM
skillful-diversification2$25.00$25.0012/16/2009 4:23:16 PM
Katburg$50.00$50.0012/16/2009 4:23:23 PM
Jack1966$25.00$25.0012/16/2009 4:14:32 PM
Frugal$25.00$25.0012/16/2009 4:10:58 PM
get30inc$50.00$50.0012/16/2009 4:11:06 PM
trochees$25.00$25.0012/16/2009 4:24:06 PM
Dairyboy$25.00$25.0012/16/2009 4:11:24 PM
18th_beachbum$25.00$25.0012/16/2009 4:24:25 PM
principal-kung-fu$25.00$25.0012/16/2009 4:24:36 PM
neenerman$25.00$25.0012/16/2009 4:12:12 PM
TigerForce$25.00$25.0012/16/2009 4:24:49 PM
Cheburashka$30.00$30.0012/16/2009 4:24:52 PM
tomas090$25.00$25.0012/16/2009 4:12:30 PM
Bank42$50.00$50.0012/16/2009 4:24:59 PM
tsui517$25.00$25.0012/16/2009 4:12:55 PM
ptjg$100.00$100.0012/16/2009 4:13:27 PM
pwkpwk$25.00$25.0012/16/2009 4:13:45 PM
lendacity$25.00$25.0012/16/2009 4:13:53 PM
SilverRain$25.00$25.0012/16/2009 4:13:58 PM
visionary-community$25.00$25.0012/16/2009 4:17:23 PM
harnobuff$25.00$25.0012/16/2009 4:14:25 PM
30Sky$25.00$25.0012/16/2009 4:14:45 PM
cyberie21$25.00$25.0012/16/2009 4:14:53 PM
smmgnn99$25.00$25.0012/16/2009 4:15:01 PM
bountiful-bazaar$25.00$25.0012/16/2009 4:28:45 PM
coloradoloanman$25.00$25.0012/16/2009 4:28:53 PM
superstar449$25.00$25.0012/16/2009 4:19:15 PM
responsibility-butterfly$25.00$25.0012/16/2009 4:20:12 PM
payout-point$100.00$100.0012/16/2009 4:20:41 PM
peso-mate$25.00$25.0012/16/2009 4:30:03 PM
SCOTTOL$25.00$25.0012/16/2009 4:20:42 PM
Picopie$50.00$50.0012/16/2009 4:20:52 PM
rosie777$25.00$25.0012/16/2009 4:18:53 PM
grampy48$25.00$25.0012/16/2009 4:21:54 PM
morpholog$25.00$25.0012/16/2009 4:22:29 PM
lucrative-worth$25.00$25.0012/16/2009 4:20:07 PM
ryreesado$25.00$25.0012/16/2009 4:20:18 PM
Castellan$25.00$25.0012/16/2009 4:22:45 PM
Ven58$25.00$25.0012/16/2009 4:31:54 PM
SnE$25.00$25.0012/16/2009 4:20:23 PM
ClearLake$25.00$25.0012/16/2009 4:22:53 PM
puifais$25.00$25.0012/16/2009 4:22:58 PM
toblerone$25.00$25.0012/16/2009 4:20:37 PM
mla$25.00$25.0012/16/2009 4:23:02 PM
invincible-marketplace$25.00$25.0012/16/2009 4:20:44 PM
kvandivo$25.00$25.0012/16/2009 4:21:06 PM
don8ter$60.00$60.0012/16/2009 4:21:17 PM
a-special-power$25.00$25.0012/16/2009 4:21:21 PM
Pasagam$25.00$25.0012/16/2009 4:21:31 PM
desertoasis$25.00$25.0012/16/2009 4:21:38 PM
Jimfromsac$25.00$25.0012/16/2009 4:25:03 PM
TriSail$25.00$25.0012/16/2009 4:22:20 PM
Weaverville$25.00$25.0012/16/2009 4:25:27 PM
dedicated-velocity3$25.00$25.0012/16/2009 4:22:30 PM
BiggestG$25.00$25.0012/16/2009 4:22:46 PM
two_old_gals$25.00$25.0012/16/2009 4:23:44 PM
fortytwo$200.00$200.0012/16/2009 4:23:59 PM
UT-Longhorn$25.00$25.0012/16/2009 4:24:54 PM
gulch$35.00$35.0012/16/2009 4:24:58 PM
Ranch88$25.00$25.0012/16/2009 4:25:01 PM
wise-balanced-moola$25.00$25.0012/16/2009 4:28:37 PM
kaiger$25.00$25.0012/16/2009 4:28:48 PM
stable-nickel$170.00$170.0012/16/2009 4:25:29 PM
KB4UF$25.00$25.0012/16/2009 4:29:32 PM
silverloan$25.00$25.0012/16/2009 4:29:39 PM
murlirao2002$25.00$25.0012/16/2009 4:30:07 PM
supreme-hope$25.00$25.0012/16/2009 4:30:29 PM
minista$25.00$25.0012/16/2009 4:28:07 PM
tisiphone$25.00$25.0012/16/2009 4:30:51 PM
doublediamond$25.00$25.0012/16/2009 4:28:33 PM
AmericanCredit$25.00$25.0012/16/2009 4:31:10 PM
interest-exec9$25.00$25.0012/16/2009 4:31:48 PM
portfolio-zone801$25.00$25.0012/16/2009 4:29:19 PM
DukSerduk$25.00$25.0012/16/2009 4:29:49 PM
danthemon35$25.00$25.0012/16/2009 4:30:46 PM
buggzz$25.00$25.0012/16/2009 4:31:06 PM
dalejr410$25.00$25.0012/16/2009 4:31:36 PM
miket71$100.00$100.0012/16/2009 4:40:26 PM
five-star-note$35.00$35.0012/16/2009 4:44:33 PM
240 bids