Sales Report:Supplement No. 104 dated Dec 23, 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
437237
This series of Notes was issued and sold upon the funding of the borrower loan #40079, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $11,000.00 |
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:
| $364.57 |
|
Final lender yield:
| 10.35% |
Final borrower rate/APR:
| 11.35% / 13.47% |
Final monthly payment:
| $361.95 |
| |
|
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:
| Nov-1978 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 780-799 (Dec-2009) |
Current / open credit lines:
| 15
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $19,033 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 26% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| giraffe1 |
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 credit cards
Purpose of loan:
This loan will be used to?
Pay off high interest credit cards
My financial situation:
I am a good candidate for this loan because?
I have an excellent history of paying off debts and have the ability to keep a job. I am in great health and have been responsible with debt. My home is paid for and my car is almost paid off as well.
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:
My occupation is Purchasing Agent/Manager. My take home pay is approx 2680.00 per month including commissions. My monthly expenses are approx 1890.00.
(Dec-09-2009)
Q:
You say your home is paid for, but Prosper says you don't own a home. Please explain. - patriot384
A:
Prosper's listing is incorrect, my home has been paid off for more than 3 years. I have documentation to prove so.
(Dec-09-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ljay | $25.00 | $25.00 | 12/8/2009 4:21:40 PM |
| a-resplendent-commitment | $25.00 | $25.00 | 12/8/2009 4:21:35 PM |
| calm-deal7 | $25.00 | $25.00 | 12/8/2009 4:21:48 PM |
| hard-working-loot | $25.00 | $25.00 | 12/8/2009 4:22:06 PM |
| integrity-doctor | $50.00 | $50.00 | 12/8/2009 4:25:16 PM |
| kulender | $25.00 | $25.00 | 12/8/2009 4:25:30 PM |
| lucrative-worth | $25.00 | $25.00 | 12/8/2009 4:22:41 PM |
| stable-nickel | $85.00 | $85.00 | 12/8/2009 4:27:04 PM |
| fund-medalist171 | $25.00 | $25.00 | 12/8/2009 4:27:14 PM |
| Onesiphorus | $25.00 | $25.00 | 12/8/2009 4:27:33 PM |
| paladin847 | $25.00 | $25.00 | 12/8/2009 4:27:50 PM |
| Sixmil | $25.00 | $25.00 | 12/8/2009 4:24:41 PM |
| rmachi | $25.00 | $25.00 | 12/8/2009 4:24:50 PM |
| Weaverville | $25.00 | $25.00 | 12/8/2009 4:25:09 PM |
| crazycool | $35.00 | $35.00 | 12/8/2009 4:29:46 PM |
| Tahoeguy | $25.00 | $25.00 | 12/8/2009 4:30:06 PM |
| Astounding | $25.00 | $25.00 | 12/8/2009 4:32:08 PM |
| Supernick | $50.00 | $50.00 | 12/8/2009 4:30:14 PM |
| treasure-bliss | $100.00 | $100.00 | 12/8/2009 4:32:16 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/8/2009 4:32:33 PM |
| yield-lion | $25.00 | $25.00 | 12/8/2009 4:32:39 PM |
| Frenchynh | $25.00 | $25.00 | 12/8/2009 4:32:54 PM |
| littlemonkey | $25.00 | $25.00 | 12/8/2009 4:32:13 PM |
| sidney102 | $25.00 | $25.00 | 12/8/2009 4:33:39 PM |
| peso-colonel | $25.00 | $25.00 | 12/8/2009 4:32:22 PM |
| chlebie | $50.00 | $50.00 | 12/8/2009 4:32:30 PM |
| tallmon | $25.00 | $25.00 | 12/8/2009 4:32:38 PM |
| magical-greenback | $55.00 | $55.00 | 12/8/2009 4:35:32 PM |
| mikeandcat | $50.00 | $50.00 | 12/8/2009 4:35:34 PM |
| the_winning_ticket | $35.00 | $35.00 | 12/8/2009 4:34:26 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 12/8/2009 4:35:40 PM |
| elevated-platinum5 | $25.00 | $25.00 | 12/8/2009 4:33:13 PM |
| orange-courageous-dedication | $40.00 | $40.00 | 12/8/2009 4:35:53 PM |
| the-money-gargantuan | $25.00 | $25.00 | 12/8/2009 4:36:03 PM |
| DonaldColorado | $25.00 | $25.00 | 12/8/2009 4:36:08 PM |
| evnagelist | $100.00 | $100.00 | 12/8/2009 4:35:16 PM |
| socialbanker | $25.00 | $25.00 | 12/8/2009 4:37:35 PM |
| trade-pumpkin | $25.00 | $25.00 | 12/8/2009 4:37:33 PM |
| sharkm | $40.00 | $40.00 | 12/8/2009 4:39:23 PM |
| capital-amplifier | $25.00 | $25.00 | 12/8/2009 4:39:51 PM |
| ryelk | $25.00 | $25.00 | 12/8/2009 4:38:59 PM |
| puifais | $25.00 | $25.00 | 12/8/2009 4:39:01 PM |
| forthright-social | $25.00 | $25.00 | 12/8/2009 4:37:07 PM |
| QuinMccoy | $25.00 | $25.00 | 12/8/2009 4:39:39 PM |
| gracej | $25.00 | $25.00 | 12/8/2009 4:40:51 PM |
| Purple11 | $100.00 | $100.00 | 12/8/2009 4:40:16 PM |
| the-silver-blaster | $70.00 | $70.00 | 12/8/2009 4:42:28 PM |
| sjlender | $25.00 | $25.00 | 12/8/2009 4:39:13 PM |
| d_grbg | $25.00 | $25.00 | 12/8/2009 4:42:32 PM |
| burgeoning-silver | $25.00 | $25.00 | 12/8/2009 4:41:10 PM |
| elegant-bonus | $25.00 | $25.00 | 12/8/2009 4:41:25 PM |
| JohnW12 | $25.00 | $25.00 | 12/8/2009 4:43:23 PM |
| greenback-visionary4 | $25.00 | $25.00 | 12/8/2009 4:42:01 PM |
| Marathoner | $25.00 | $25.00 | 12/8/2009 4:40:04 PM |
| punctual-power7 | $25.00 | $25.00 | 12/8/2009 4:42:59 PM |
| EnigmaNYC-29 | $25.00 | $25.00 | 12/8/2009 4:43:15 PM |
| thestartuplender | $35.00 | $35.00 | 12/8/2009 4:44:18 PM |
| worthy-reward1 | $50.00 | $50.00 | 12/8/2009 4:44:44 PM |
| commitment-forte6 | $25.00 | $25.00 | 12/8/2009 4:44:02 PM |
| Pizza-man | $50.00 | $50.00 | 12/8/2009 4:44:37 PM |
| sentimental-euro | $25.00 | $25.00 | 12/8/2009 4:44:40 PM |
| Bank42 | $50.00 | $50.00 | 12/8/2009 4:48:41 PM |
| Dap2005 | $25.00 | $25.00 | 12/8/2009 4:49:05 PM |
| miked8303 | $25.00 | $25.00 | 12/8/2009 4:49:32 PM |
| value-pole | $25.00 | $25.00 | 12/8/2009 4:49:37 PM |
| spreadgoodwill | $25.00 | $25.00 | 12/8/2009 4:48:35 PM |
| CAGE-Investments | $50.00 | $50.00 | 12/8/2009 4:49:16 PM |
| benefit-squirrel | $30.00 | $30.00 | 12/8/2009 4:50:28 PM |
| RetiredATC | $25.00 | $25.00 | 12/8/2009 4:49:58 PM |
| bchen78875 | $25.00 | $25.00 | 12/8/2009 4:50:03 PM |
| xstreamin | $25.00 | $25.00 | 12/8/2009 4:50:15 PM |
| hitsman | $50.00 | $50.00 | 12/8/2009 4:50:32 PM |
| payout-point | $50.00 | $50.00 | 12/8/2009 4:48:28 PM |
| useful-p2ploan | $50.00 | $50.00 | 12/8/2009 4:51:03 PM |
| Steveoo1 | $50.00 | $50.00 | 12/8/2009 4:48:30 PM |
| harperpotok | $100.00 | $100.00 | 12/8/2009 4:50:37 PM |
| hyetech | $35.00 | $35.00 | 12/8/2009 4:50:39 PM |
| fair-funds | $25.00 | $25.00 | 12/8/2009 4:51:30 PM |
| duty-monger | $50.00 | $50.00 | 12/8/2009 4:50:51 PM |
| SnE | $25.00 | $25.00 | 12/8/2009 4:50:57 PM |
| biobulator | $25.00 | $25.00 | 12/8/2009 4:49:28 PM |
| payout-achievement | $40.00 | $40.00 | 12/8/2009 4:49:43 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 12/8/2009 4:49:45 PM |
| Cai8899 | $40.00 | $40.00 | 12/8/2009 4:49:59 PM |
| WalnutCreekguy | $33.00 | $33.00 | 12/8/2009 4:50:06 PM |
| chicco | $80.00 | $80.00 | 12/8/2009 4:50:08 PM |
| ThomasCrown | $30.00 | $30.00 | 12/8/2009 4:50:18 PM |
| wayman | $50.00 | $50.00 | 12/8/2009 4:50:22 PM |
| dignified-finance | $25.00 | $25.00 | 12/8/2009 4:50:36 PM |
| trustu | $25.00 | $25.00 | 12/8/2009 4:50:46 PM |
| accordion8 | $50.00 | $50.00 | 12/8/2009 4:51:01 PM |
| galtsgulch | $25.00 | $25.00 | 12/8/2009 4:51:09 PM |
| crenen139 | $50.00 | $50.00 | 12/8/2009 4:51:27 PM |
| Ven58 | $25.00 | $25.00 | 12/8/2009 5:00:19 PM |
| fair_rates | $25.00 | $25.00 | 12/8/2009 5:09:25 PM |
| patriot384 | $150.00 | $150.00 | 12/8/2009 5:34:51 PM |
| brightest-dignified-penny | $25.00 | $25.00 | 12/8/2009 6:17:29 PM |
| reBuild-America | $25.00 | $25.00 | 12/9/2009 11:03:16 AM |
| longisland47m | $25.00 | $25.00 | 12/11/2009 4:25:20 AM |
| impartial-deal | $25.00 | $25.00 | 12/11/2009 11:15:02 AM |
| julijask | $25.00 | $25.00 | 12/11/2009 4:20:21 PM |
| money-engine | $25.42 | $25.42 | 12/11/2009 6:14:44 PM |
| springpanda | $25.00 | $25.00 | 12/12/2009 2:10:02 PM |
| skillful-diversification2 | $25.00 | $25.00 | 12/12/2009 9:36:42 AM |
| vest_vortex | $25.00 | $25.00 | 12/13/2009 3:42:22 PM |
| oldman68 | $25.00 | $25.00 | 12/13/2009 10:22:16 PM |
| NoNameLender | $56.54 | $56.54 | 12/14/2009 5:02:14 PM |
| Accountant83 | $25.00 | $25.00 | 12/14/2009 7:36:25 PM |
| icon7 | $25.00 | $25.00 | 12/14/2009 5:44:11 PM |
| three-for-6 | $150.00 | $150.00 | 12/14/2009 7:45:16 PM |
| squarebob | $50.00 | $50.00 | 12/14/2009 6:04:57 PM |
| Machbannai | $25.00 | $25.00 | 12/14/2009 6:28:36 PM |
| jcw3rd | $25.00 | $25.00 | 12/14/2009 6:49:01 PM |
| draggon77 | $25.00 | $25.00 | 12/14/2009 7:28:13 PM |
| ommuruga | $47.25 | $47.25 | 12/14/2009 7:33:25 PM |
| efficient-bid2 | $50.00 | $50.00 | 12/15/2009 7:24:39 AM |
| Capit0l | $25.00 | $25.00 | 12/15/2009 8:23:03 AM |
| jakespirit | $25.00 | $25.00 | 12/15/2009 12:13:34 AM |
| Charmart | $25.00 | $25.00 | 12/15/2009 2:52:34 AM |
| intrepid-transaction5 | $25.00 | $25.00 | 12/15/2009 5:23:01 AM |
| organic-platinum | $25.00 | $25.00 | 12/15/2009 5:18:19 AM |
| sincere-investment4 | $25.00 | $25.00 | 12/15/2009 9:27:59 AM |
| coloradoloanman | $25.00 | $25.00 | 12/15/2009 7:33:26 AM |
| orbiter614 | $81.42 | $81.42 | 12/15/2009 8:44:50 AM |
| UBOtto186 | $25.00 | $25.00 | 12/15/2009 9:04:19 AM |
| TakeCare | $100.00 | $100.00 | 12/15/2009 9:26:53 AM |
| JeffHoll | $100.00 | $100.00 | 12/15/2009 1:13:13 PM |
| GOPHERBOY | $150.00 | $150.00 | 12/15/2009 3:30:42 PM |
| Loves-Corvairs | $100.00 | $100.00 | 12/15/2009 12:07:28 PM |
| justme4now | $25.00 | $25.00 | 12/15/2009 1:20:29 PM |
| Syzygy | $25.00 | $25.00 | 12/15/2009 2:43:43 PM |
| p2ploan-sensation211 | $50.00 | $50.00 | 12/15/2009 4:07:47 PM |
| Rob717171 | $150.00 | $150.00 | 12/15/2009 3:24:16 PM |
| Kerrysbay | $25.00 | $25.00 | 12/8/2009 4:22:12 PM |
| AF-Chief | $27.00 | $27.00 | 12/8/2009 4:21:55 PM |
| Hexnut | $25.00 | $25.00 | 12/8/2009 4:24:37 PM |
| booksleuth | $50.00 | $50.00 | 12/8/2009 4:22:01 PM |
| helping-out | $25.00 | $25.00 | 12/8/2009 4:25:40 PM |
| foxy-fund | $25.00 | $25.00 | 12/8/2009 4:22:23 PM |
| triumph329 | $25.00 | $25.00 | 12/8/2009 4:26:15 PM |
| desertoasis | $50.00 | $50.00 | 12/8/2009 4:22:33 PM |
| cash-boots | $25.00 | $25.00 | 12/8/2009 4:22:51 PM |
| imdave4me | $25.00 | $25.00 | 12/8/2009 4:26:33 PM |
| the-bright-velocity | $50.00 | $50.00 | 12/8/2009 4:23:00 PM |
| neenerman | $25.00 | $25.00 | 12/8/2009 4:23:04 PM |
| thedoctor | $80.00 | $80.00 | 12/8/2009 4:27:39 PM |
| chumbawumba | $25.00 | $25.00 | 12/8/2009 4:27:31 PM |
| five-star-note | $25.00 | $25.00 | 12/8/2009 4:25:05 PM |
| Sefotonga | $25.00 | $25.00 | 12/8/2009 4:29:21 PM |
| metro457 | $25.00 | $25.00 | 12/8/2009 4:30:03 PM |
| skuba | $25.00 | $25.00 | 12/8/2009 4:31:44 PM |
| Havana21 | $25.00 | $25.00 | 12/8/2009 4:32:00 PM |
| a-resplendent-asset | $50.00 | $50.00 | 12/8/2009 4:30:22 PM |
| lloyd_s | $25.00 | $25.00 | 12/8/2009 4:34:09 PM |
| five-star-justice | $36.00 | $36.00 | 12/8/2009 4:32:42 PM |
| leodaguy | $25.00 | $25.00 | 12/8/2009 4:34:17 PM |
| Attract | $25.00 | $25.00 | 12/8/2009 4:34:49 PM |
| credit-investor5 | $100.00 | $100.00 | 12/8/2009 4:33:24 PM |
| Walkingcowboy | $25.00 | $25.00 | 12/8/2009 4:35:09 PM |
| responsibility-butterfly | $25.00 | $25.00 | 12/8/2009 4:32:28 PM |
| Speculator | $25.00 | $25.00 | 12/8/2009 4:32:53 PM |
| museic1 | $25.00 | $25.00 | 12/8/2009 4:33:16 PM |
| personal-lender | $25.00 | $25.00 | 12/8/2009 4:34:52 PM |
| MoneyU4IA | $40.00 | $40.00 | 12/8/2009 4:33:50 PM |
| E_G | $50.00 | $50.00 | 12/8/2009 4:34:41 PM |
| Kaj | $30.00 | $30.00 | 12/8/2009 4:36:42 PM |
| community-pipeline8 | $50.00 | $50.00 | 12/8/2009 4:37:41 PM |
| best-deal-banker | $50.00 | $50.00 | 12/8/2009 4:36:50 PM |
| teller | $60.00 | $60.00 | 12/8/2009 4:36:23 PM |
| anakinsolo | $25.00 | $25.00 | 12/8/2009 4:38:23 PM |
| fireboss | $25.00 | $25.00 | 12/8/2009 4:36:30 PM |
| Tom579 | $25.00 | $25.00 | 12/8/2009 4:37:13 PM |
| dedicated-diversification5 | $100.00 | $100.00 | 12/8/2009 4:37:19 PM |
| gold-commander0 | $50.00 | $50.00 | 12/8/2009 4:39:19 PM |
| Doodlemeyer | $25.00 | $25.00 | 12/8/2009 4:40:29 PM |
| shamrocker | $25.00 | $25.00 | 12/8/2009 4:40:38 PM |
| piter-to-la-investment | $25.00 | $25.00 | 12/8/2009 4:40:49 PM |
| czar3 | $30.00 | $30.00 | 12/8/2009 4:39:42 PM |
| ImaPutz | $25.00 | $25.00 | 12/8/2009 4:40:08 PM |
| PocketAces | $25.00 | $25.00 | 12/8/2009 4:41:37 PM |
| loyalist1 | $25.00 | $25.00 | 12/8/2009 4:40:25 PM |
| portfolio-zone801 | $25.00 | $25.00 | 12/8/2009 4:42:07 PM |
| silver-armada | $100.00 | $100.00 | 12/8/2009 4:39:35 PM |
| Artist_Blue | $25.00 | $25.00 | 12/8/2009 4:39:45 PM |
| flwah | $25.00 | $25.00 | 12/8/2009 4:43:38 PM |
| jeg3k | $25.00 | $25.00 | 12/8/2009 4:43:17 PM |
| best-community-platoon | $25.00 | $25.00 | 12/8/2009 4:43:44 PM |
| dpjd | $50.00 | $50.00 | 12/8/2009 4:41:21 PM |
| bigdogsafety1 | $25.00 | $25.00 | 12/8/2009 4:41:27 PM |
| beezling | $40.00 | $40.00 | 12/8/2009 4:44:31 PM |
| charming-point | $200.00 | $200.00 | 12/8/2009 4:41:56 PM |
| The-CAPS-fan | $30.00 | $30.00 | 12/8/2009 4:44:46 PM |
| spsavage | $25.00 | $25.00 | 12/8/2009 4:42:10 PM |
| unk1911 | $25.00 | $25.00 | 12/8/2009 4:42:37 PM |
| SNH | $50.00 | $50.00 | 12/8/2009 4:42:43 PM |
| affluence-tycoon | $25.00 | $25.00 | 12/8/2009 4:48:21 PM |
| elegant-income3 | $30.00 | $30.00 | 12/8/2009 4:48:26 PM |
| don8ter | $25.00 | $25.00 | 12/8/2009 4:48:37 PM |
| WHEREISTHEMOON | $25.00 | $25.00 | 12/8/2009 4:48:54 PM |
| Interstate_Rate | $500.00 | $500.00 | 12/8/2009 4:48:15 PM |
| special-responsibility | $25.00 | $25.00 | 12/8/2009 4:49:07 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 12/8/2009 4:48:33 PM |
| astute-dollar | $30.00 | $30.00 | 12/8/2009 4:48:49 PM |
| rolandweary | $40.00 | $40.00 | 12/8/2009 4:49:49 PM |
| auctionbros | $25.00 | $25.00 | 12/8/2009 4:48:59 PM |
| bonus-buddy2 | $35.00 | $35.00 | 12/8/2009 4:49:52 PM |
| galaxy1 | $25.00 | $25.00 | 12/8/2009 4:49:11 PM |
| Diamond_Jim | $25.00 | $25.00 | 12/8/2009 4:49:18 PM |
| tremendous-payment | $25.00 | $25.00 | 12/8/2009 4:49:22 PM |
| mikrolown | $25.00 | $25.00 | 12/8/2009 4:49:35 PM |
| Lightlife | $50.00 | $50.00 | 12/8/2009 4:49:39 PM |
| Dutchhunter | $25.00 | $25.00 | 12/8/2009 4:50:21 PM |
| tom48l | $25.00 | $25.00 | 12/8/2009 4:50:48 PM |
| wiltonbound | $25.00 | $25.00 | 12/8/2009 4:50:29 PM |
| HunterSix | $25.00 | $25.00 | 12/8/2009 4:48:19 PM |
| shrewd-deal | $25.00 | $25.00 | 12/8/2009 4:50:34 PM |
| roto | $25.00 | $25.00 | 12/8/2009 4:51:14 PM |
| digitalrinaldo | $25.00 | $25.00 | 12/8/2009 4:50:41 PM |
| deal-pioneer1 | $25.00 | $25.00 | 12/8/2009 4:51:34 PM |
| worklessmakemore | $25.00 | $25.00 | 12/8/2009 4:49:01 PM |
| reward-adventure | $25.00 | $25.00 | 12/8/2009 4:51:23 PM |
| GElender | $50.00 | $50.00 | 12/8/2009 4:51:31 PM |
| Carpetkid | $25.00 | $10.78 | 12/8/2009 4:51:36 PM |
| credit-kahuna | $100.00 | $100.00 | 12/8/2009 4:49:41 PM |
| Clambake | $50.00 | $50.00 | 12/8/2009 4:49:54 PM |
| youqianderen | $50.00 | $50.00 | 12/8/2009 4:50:10 PM |
| Macinvest | $25.00 | $25.00 | 12/8/2009 4:50:43 PM |
| TheoProf | $25.00 | $25.00 | 12/8/2009 4:50:59 PM |
| hope-eagle6 | $25.00 | $25.00 | 12/8/2009 4:51:08 PM |
| payout-equalizer8 | $25.00 | $25.00 | 12/8/2009 4:51:18 PM |
| SCD | $25.00 | $25.00 | 12/8/2009 5:57:17 PM |
| GyJAV_BNCCo | $25.00 | $25.00 | 12/9/2009 10:21:45 AM |
| wwwUniversal | $25.00 | $25.00 | 12/9/2009 6:52:30 PM |
| jybank | $25.00 | $25.00 | 12/11/2009 2:10:29 PM |
| dontscrewmeover1 | $50.00 | $50.00 | 12/11/2009 11:44:21 AM |
| bold-dynamic-silver | $25.00 | $25.00 | 12/11/2009 3:25:28 PM |
| rmpedi33 | $100.00 | $100.00 | 12/12/2009 7:47:57 AM |
| Aristophil | $123.00 | $123.00 | 12/12/2009 7:59:11 AM |
| bondhedger | $25.00 | $25.00 | 12/12/2009 12:20:17 AM |
| Moneypenny6 | $25.00 | $25.00 | 12/13/2009 11:12:34 AM |
| gothampark | $25.00 | $25.00 | 12/13/2009 2:32:53 PM |
| KarmaBum77 | $70.00 | $70.00 | 12/13/2009 2:49:55 PM |
| malcolmreynolds | $25.00 | $25.00 | 12/13/2009 7:39:23 PM |
| rdrloan | $25.00 | $25.00 | 12/14/2009 7:08:33 AM |
| lth35 | $87.05 | $87.05 | 12/14/2009 7:05:10 PM |
| JTHarris | $75.00 | $75.00 | 12/14/2009 8:27:57 PM |
| gustavholstopus32 | $25.00 | $25.00 | 12/14/2009 8:50:32 PM |
| Cherrypicker | $50.00 | $50.00 | 12/14/2009 10:34:22 PM |
| patriot384 | $50.00 | $50.00 | 12/15/2009 5:23:14 AM |
| PotBellyPete | $30.00 | $30.00 | 12/15/2009 6:37:30 AM |
| Pomedorov | $50.00 | $50.00 | 12/15/2009 10:11:00 AM |
| the-bright-velocity | $50.00 | $50.00 | 12/15/2009 7:16:02 AM |
| triumphant-bonus | $41.12 | $41.12 | 12/15/2009 8:05:53 AM |
| Bidwinner08 | $60.15 | $60.15 | 12/15/2009 11:16:05 AM |
| nalaari | $46.27 | $46.27 | 12/15/2009 8:44:54 AM |
| Feyenoord | $25.00 | $25.00 | 12/15/2009 12:39:21 PM |
| glroark | $100.00 | $100.00 | 12/15/2009 10:03:28 AM |
| MattProsper | $25.00 | $25.00 | 12/15/2009 10:13:15 AM |
| TigerForce | $25.00 | $25.00 | 12/15/2009 2:07:33 PM |
| FundMaker | $25.00 | $25.00 | 12/15/2009 11:04:20 AM |
| edsmoney | $100.00 | $100.00 | 12/15/2009 3:53:27 PM |
| durability-colonel | $50.00 | $50.00 | 12/15/2009 2:15:51 PM |
| exciting-fairness | $200.00 | $200.00 | 12/15/2009 3:28:22 PM |
| interstellar | $50.00 | $50.00 | 12/15/2009 3:45:11 PM |
| 264 bids
|
Borrower Payment Dependent Notes Series
437423
This series of Notes was issued and sold upon the funding of the borrower loan #40084, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,900.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-09-2009 |
| |
Auction end date:
| Dec-16-2009 |
|
|
Starting lender yield:
| 33.00% |
Starting borrower rate/APR:
| 34.00% / 36.44% |
Starting monthly payment:
| $308.24 |
|
Final lender yield:
| 12.25% |
Final borrower rate/APR:
| 13.25% / 15.40% |
Final monthly payment:
| $233.32 |
| |
|
Auction yield range:
| 4.20% - 33.00% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
<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-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 760-779 (Nov-2009) |
Current / open credit lines:
| 21
/
18 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 53 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $266,664 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 81% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| atlmoneyman |
Borrower's state:
| Georgia |
Borrower's group:
| LendersClub |
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
Prosper Lender Seeking New Funding
As a long time Prosper lender (with over $7k in active loans), I've been curious about obtaining funds for potential re-investment for some time.? Recently, one of my?credit cards I've used for capital arbitrarily raised its APR to 15% from 10%--even though I've paid on time for years--so I thought this might be a good time to see if I can teach them quick lesson via Prosper that 10% interest from me is better than NO money from me!?
My credit record is spotless for decades, and I've used my good credit to obtain low interest loans for many successful investments.? My $266 in revolving credit is likely to be a concern to some of you, but the majority of this debt is in the form of?prime APR Helocs?on real estate I own/lease that supplements my software consulting income--which is more than adequate to cover my current obligations.? Moreover, I have other cash avail from 401ks/IRA/home equity?as a fallback to cover this debt---not to mention my wife's 100k+ income from her 15+ year position with the same company--so bid with confidence--but bid enough so that my loan gets funded at no more than 12%, as it really won't be worth my while to take it at more than that...(I had to withdraw a fully funded previous listing at 19% for that reason).
Thank you for your consideration!
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of
$127.00 in winning bids.
"A Prosper Lender with more invested in Prosper than he is asking for! A+ Credit and a Lendersclub group member - a great investment!"
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Only_Money | $25.00 | $25.00 | 12/9/2009 6:08:49 PM |
| nimcha | $50.00 | $50.00 | 12/9/2009 5:52:52 PM |
| YummiBear | $25.00 | $25.00 | 12/9/2009 8:28:47 PM |
| lepolgr | $50.00 | $50.00 | 12/9/2009 8:02:53 PM |
| brondero | $100.00 | $100.00 | 12/10/2009 8:51:12 AM |
| SwiDaddy | $100.00 | $100.00 | 12/10/2009 7:25:52 AM |
| zento | $25.00 | $25.00 | 12/10/2009 7:23:30 PM |
| invincible-gain | $28.00 | $28.00 | 12/11/2009 7:39:24 AM |
| double22 | $25.00 | $25.00 | 12/11/2009 9:00:57 AM |
| jybank | $50.00 | $50.00 | 12/11/2009 2:14:42 PM |
| bold-dynamic-silver | $25.00 | $25.00 | 12/11/2009 7:50:34 PM |
| reflective-rupee | $25.00 | $25.00 | 12/12/2009 2:37:15 PM |
| psalms6612 | $25.00 | $25.00 | 12/13/2009 9:38:14 AM |
| gothampark | $25.00 | $25.00 | 12/13/2009 1:52:25 PM |
| lender12345 | $25.00 | $25.00 | 12/13/2009 6:49:07 PM |
| pietro_torna_indietro | $25.00 | $25.00 | 12/14/2009 7:16:02 AM |
| Dollars4Rent | $25.00 | $25.00 | 12/14/2009 11:50:46 AM |
| flshdaskll | $32.42 | $32.42 | 12/14/2009 6:19:17 PM |
| bsmtloan | $75.00 | $75.00 | 12/15/2009 7:20:02 AM |
| skorpious | $50.00 | $50.00 | 12/14/2009 8:36:58 PM |
| economy-synapse | $200.00 | $200.00 | 12/14/2009 8:48:36 PM |
| cheech29 | $30.00 | $30.00 | 12/15/2009 6:18:10 AM |
| lawboy74 | $25.01 | $25.01 | 12/15/2009 6:56:36 AM |
| TigerForce | $50.00 | $50.00 | 12/15/2009 8:14:16 AM |
| hellasow | $100.00 | $100.00 | 12/15/2009 12:12:21 PM |
| 2seriousteachers | $25.00 | $25.00 | 12/15/2009 2:55:50 PM |
| Frugal | $25.00 | $25.00 | 12/15/2009 11:37:58 AM |
| scloans | $25.00 | $25.00 | 12/15/2009 5:01:22 PM |
| a-finance-nirvana | $46.35 | $46.35 | 12/15/2009 7:12:09 PM |
| JerryB96 | $25.00 | $25.00 | 12/15/2009 7:26:14 PM |
| squarebob | $50.00 | $50.00 | 12/15/2009 5:35:35 PM |
| BuzzyBee336 | $25.00 | $25.00 | 12/15/2009 8:51:34 PM |
| Archchancellor | $50.00 | $50.00 | 12/16/2009 9:08:16 AM |
| justin323 | $50.00 | $50.00 | 12/16/2009 3:48:50 AM |
| fatboy888 | $25.00 | $25.00 | 12/16/2009 5:27:46 AM |
| Rulea72 | $84.24 | $84.24 | 12/16/2009 6:18:38 AM |
| justice-hawk | $500.00 | $500.00 | 12/16/2009 10:16:50 AM |
| Feyenoord | $25.00 | $25.00 | 12/16/2009 8:32:11 AM |
| reflective-rupee | $25.00 | $25.00 | 12/16/2009 9:49:53 AM |
| suburbanman64 | $40.00 | $40.00 | 12/16/2009 1:38:22 PM |
| phaded | $25.00 | $25.00 | 12/16/2009 11:58:55 AM |
| bevans | $25.00 | $25.00 | 12/16/2009 12:05:00 PM |
| vutah | $50.00 | $50.00 | 12/16/2009 2:18:59 PM |
| miniloan | $41.19 | $41.19 | 12/16/2009 12:21:41 PM |
| auction-sage | $40.00 | $40.00 | 12/16/2009 3:48:07 PM |
| sharp-credit | $306.47 | $306.47 | 12/16/2009 3:05:48 PM |
| Sammyboy1 | $200.00 | $200.00 | 12/16/2009 3:23:28 PM |
| forthright-trade | $25.00 | $25.00 | 12/16/2009 3:52:49 PM |
| Jazzy503 | $25.00 | $25.00 | 12/16/2009 2:45:53 PM |
| JGuide | $102.00 | $102.00 | 12/16/2009 3:57:54 PM |
| bill-expert | $200.00 | $200.00 | 12/16/2009 3:01:20 PM |
| TakeCare | $100.00 | $100.00 | 12/16/2009 3:21:43 PM |
| exciting-fairness | $200.00 | $180.18 | 12/16/2009 3:41:08 PM |
| JGuide | $25.00 | $25.00 | 12/9/2009 4:32:59 PM |
| hellasow | $50.00 | $50.00 | 12/9/2009 6:04:22 PM |
| Eaglehigh | $25.00 | $25.00 | 12/9/2009 5:45:17 PM |
| lenderrn | $75.21 | $75.21 | 12/9/2009 8:43:07 PM |
| Ven58 | $25.00 | $25.00 | 12/10/2009 8:53:17 AM |
| sshgfwb | $25.00 | $25.00 | 12/10/2009 10:22:57 PM |
| bluflame9940 | $25.31 | $25.31 | 12/11/2009 8:12:44 AM |
| bondhedger | $25.00 | $25.00 | 12/11/2009 7:14:32 AM |
| 371millwood | $200.00 | $200.00 | 12/11/2009 7:40:24 AM |
| loanman2007 | $400.00 | $400.00 | 12/11/2009 3:21:32 PM |
| helping-out | $400.00 | $400.00 | 12/11/2009 5:39:35 PM |
| springpanda | $50.00 | $50.00 | 12/12/2009 2:53:07 PM |
| benevolent-capital1 | $100.00 | $100.00 | 12/12/2009 8:45:28 AM |
| Mantis75 | $25.00 | $25.00 | 12/12/2009 1:38:19 PM |
| drkosh | $25.00 | $25.00 | 12/13/2009 9:12:31 AM |
| GOPHERBOY | $100.00 | $100.00 | 12/13/2009 4:12:43 PM |
| dorypro | $25.00 | $25.00 | 12/13/2009 3:45:40 PM |
| Jinja | $36.18 | $36.18 | 12/14/2009 10:21:48 AM |
| richwolf | $25.00 | $25.00 | 12/14/2009 2:00:59 PM |
| credit-coach118 | $35.00 | $35.00 | 12/14/2009 4:41:10 PM |
| vineet | $25.76 | $25.76 | 12/14/2009 5:00:57 PM |
| carmat60 | $25.00 | $25.00 | 12/15/2009 12:19:58 AM |
| oldman68 | $25.00 | $25.00 | 12/14/2009 8:56:37 PM |
| Bait989 | $36.56 | $36.56 | 12/15/2009 11:21:47 AM |
| Sealion | $50.00 | $50.00 | 12/15/2009 1:55:13 PM |
| FinanceEngine | $25.00 | $25.00 | 12/15/2009 3:33:05 PM |
| tomjac2000 | $25.00 | $25.00 | 12/15/2009 6:45:35 PM |
| medkoder | $25.00 | $25.00 | 12/15/2009 7:22:58 PM |
| Capit0l | $25.00 | $25.00 | 12/15/2009 7:58:30 PM |
| Zen_help | $25.00 | $25.00 | 12/15/2009 8:19:26 PM |
| PPLIN810 | $49.33 | $49.33 | 12/16/2009 7:29:19 AM |
| building_community | $25.00 | $25.00 | 12/16/2009 7:49:02 AM |
| Archchancellor | $50.00 | $50.00 | 12/16/2009 9:08:11 AM |
| reflective-rupee | $25.00 | $25.00 | 12/16/2009 9:50:12 AM |
| The-CAPS-fan | $45.00 | $45.00 | 12/16/2009 10:18:09 AM |
| piter-to-la-investment | $50.00 | $50.00 | 12/16/2009 12:22:57 PM |
| thoughtful-community7 | $50.00 | $50.00 | 12/16/2009 12:36:45 PM |
| OoM | $25.00 | $25.00 | 12/16/2009 12:37:16 PM |
| PleaseDoNotDefault | $25.00 | $25.00 | 12/16/2009 8:37:05 AM |
| rockhound84 | $50.00 | $50.00 | 12/16/2009 11:00:11 AM |
| arcite | $100.00 | $100.00 | 12/16/2009 10:48:05 AM |
| efficient-bid2 | $25.00 | $25.00 | 12/16/2009 2:24:20 PM |
| leverage-monger | $65.30 | $65.30 | 12/16/2009 3:11:07 PM |
| squarebob | $50.00 | $50.00 | 12/16/2009 3:32:24 PM |
| whitegold24k | $203.55 | $203.55 | 12/16/2009 1:44:56 PM |
| houli123 | $100.00 | $100.00 | 12/16/2009 12:49:18 PM |
| professional-finance | $25.00 | $25.00 | 12/16/2009 2:48:13 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/16/2009 2:57:26 PM |
| gristle_mcthornbody | $25.00 | $25.00 | 12/16/2009 3:12:02 PM |
| Capit0l | $25.00 | $25.00 | 12/16/2009 2:10:34 PM |
| leverage-monger | $40.00 | $40.00 | 12/16/2009 3:40:13 PM |
| RecoveryLender | $25.00 | $25.00 | 12/16/2009 3:57:26 PM |
| wild-orange | $25.00 | $25.00 | 12/16/2009 2:57:42 PM |
| leverage-monger | $81.94 | $81.94 | 12/16/2009 3:12:21 PM |
| careful-wealth | $50.00 | $50.00 | 12/16/2009 3:35:03 PM |
| unger | $100.00 | $100.00 | 12/16/2009 3:56:20 PM |
| 109 bids
|
Borrower Payment Dependent Notes Series
437525
This series of Notes was issued and sold upon the funding of the borrower loan #40078, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-09-2009 |
| |
Auction end date:
| Dec-16-2009 |
|
|
Starting lender yield:
| 9.85% |
Starting borrower rate/APR:
| 10.85% / 12.97% |
Starting monthly payment:
| $196.01 |
|
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $194.59 |
| |
|
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:
| 8 |
First credit line:
| Oct-1978 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 760-779 (Dec-2009) |
Current / open credit lines:
| 17
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 32y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $25,591 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 24% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| ferocious-payout |
Borrower's state:
| Tennessee |
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
Bathroom Repair and Kitchen Floor
Purpose of loan:
This loan will be used to? To Remodel my Kitchen and put in new bath tub and floor in Bathroom
My financial situation:
I am a good candidate for this loan because?I pay my bills on time
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Hondo | $25.00 | $25.00 | 12/9/2009 4:00:10 PM |
| trochees | $25.00 | $25.00 | 12/9/2009 4:01:27 PM |
| wrighco | $25.00 | $25.00 | 12/9/2009 4:01:24 PM |
| agwosdof | $100.00 | $100.00 | 12/9/2009 4:01:39 PM |
| bonus-patriot | $25.00 | $25.00 | 12/9/2009 4:02:15 PM |
| wealth-cloud | $25.00 | $25.00 | 12/9/2009 4:02:02 PM |
| rmachi | $25.00 | $25.00 | 12/9/2009 4:02:22 PM |
| Sixmil | $25.00 | $25.00 | 12/9/2009 4:03:23 PM |
| spreadgoodwill | $25.00 | $25.00 | 12/9/2009 4:01:03 PM |
| mlopez2007 | $100.00 | $100.00 | 12/9/2009 4:01:31 PM |
| wormdc | $26.00 | $26.00 | 12/9/2009 4:04:36 PM |
| Frugal | $25.00 | $25.00 | 12/9/2009 4:02:49 PM |
| tsui517 | $25.00 | $25.00 | 12/9/2009 4:02:51 PM |
| TigerForce | $25.00 | $25.00 | 12/9/2009 4:03:51 PM |
| credit-coach118 | $40.00 | $40.00 | 12/9/2009 4:05:20 PM |
| interest-exec9 | $25.00 | $25.00 | 12/9/2009 4:04:24 PM |
| rulender | $50.00 | $50.00 | 12/9/2009 4:05:43 PM |
| yachtiegirl | $25.00 | $25.00 | 12/9/2009 4:06:25 PM |
| paladin847 | $25.00 | $25.00 | 12/9/2009 4:06:33 PM |
| open-minded-credit4 | $25.00 | $25.00 | 12/9/2009 4:05:27 PM |
| forthright-dedication | $25.00 | $25.00 | 12/9/2009 4:06:11 PM |
| ljay | $25.00 | $25.00 | 12/9/2009 4:15:45 PM |
| the-bright-velocity | $25.00 | $25.00 | 12/9/2009 4:22:52 PM |
| helping-out | $25.00 | $25.00 | 12/9/2009 4:22:41 PM |
| elevated-platinum5 | $25.00 | $25.00 | 12/9/2009 4:25:51 PM |
| sidney102 | $25.00 | $25.00 | 12/9/2009 4:26:01 PM |
| personal-lender | $25.00 | $25.00 | 12/9/2009 4:26:28 PM |
| magical-greenback | $55.00 | $55.00 | 12/9/2009 4:26:42 PM |
| skuba | $50.00 | $50.00 | 12/9/2009 4:27:03 PM |
| forthright-social | $25.00 | $25.00 | 12/9/2009 4:27:16 PM |
| evnagelist | $100.00 | $100.00 | 12/9/2009 4:26:37 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 12/9/2009 4:26:45 PM |
| best-deal-banker | $50.00 | $50.00 | 12/9/2009 4:27:09 PM |
| community-pipeline8 | $50.00 | $50.00 | 12/9/2009 4:27:29 PM |
| E_G | $50.00 | $50.00 | 12/9/2009 4:26:21 PM |
| burgeoning-silver | $25.00 | $25.00 | 12/9/2009 4:29:08 PM |
| DonaldColorado | $25.00 | $25.00 | 12/9/2009 4:26:53 PM |
| fireboss | $25.00 | $25.00 | 12/9/2009 4:27:03 PM |
| Supernick | $50.00 | $50.00 | 12/9/2009 4:27:23 PM |
| gracej | $25.00 | $25.00 | 12/9/2009 4:29:04 PM |
| sharkm | $40.00 | $40.00 | 12/9/2009 4:28:16 PM |
| kulender | $25.00 | $25.00 | 12/9/2009 4:30:44 PM |
| five-star-note | $25.00 | $25.00 | 12/9/2009 4:29:29 PM |
| Artist_Blue | $25.00 | $25.00 | 12/9/2009 4:28:36 PM |
| AF-Chief | $35.00 | $35.00 | 12/9/2009 4:28:44 PM |
| Steveoo1 | $50.00 | $50.00 | 12/9/2009 4:38:05 PM |
| Jassi | $25.00 | $25.00 | 12/9/2009 4:38:20 PM |
| lend_to_you | $50.00 | $50.00 | 12/9/2009 4:38:28 PM |
| GElender | $50.00 | $50.00 | 12/9/2009 4:38:35 PM |
| Picopie | $50.00 | $50.00 | 12/9/2009 4:38:44 PM |
| Dap2005 | $25.00 | $25.00 | 12/9/2009 4:38:51 PM |
| rjleves | $25.00 | $25.00 | 12/9/2009 4:38:18 PM |
| SCOTTOL | $25.00 | $25.00 | 12/9/2009 4:38:23 PM |
| elegant-income3 | $25.00 | $25.00 | 12/9/2009 4:38:55 PM |
| kvandivo | $25.00 | $25.00 | 12/9/2009 4:38:59 PM |
| honorable-yield | $75.00 | $75.00 | 12/9/2009 4:38:39 PM |
| galaxy1 | $25.00 | $25.00 | 12/9/2009 4:38:53 PM |
| Carpetkid | $50.00 | $50.00 | 12/9/2009 4:39:20 PM |
| GeoLender | $50.00 | $50.00 | 12/9/2009 7:19:30 PM |
| dontscrewmeover1 | $50.00 | $50.00 | 12/9/2009 6:24:18 PM |
| orbiter614 | $75.00 | $75.00 | 12/10/2009 1:35:06 PM |
| availableloan | $25.00 | $25.00 | 12/10/2009 2:44:59 PM |
| impartial-deal | $25.00 | $25.00 | 12/11/2009 11:19:57 AM |
| julijask | $25.00 | $25.00 | 12/15/2009 8:15:53 AM |
| wwwUniversal | $25.00 | $25.00 | 12/15/2009 9:37:43 AM |
| B-rad_the_Coug | $25.00 | $25.00 | 12/15/2009 9:42:54 PM |
| nicklds | $25.00 | $25.00 | 12/15/2009 10:36:46 PM |
| affluence-tomahawk | $50.00 | $50.00 | 12/15/2009 6:56:44 PM |
| coloradoloanman | $25.00 | $25.00 | 12/15/2009 8:23:37 PM |
| JerryB96 | $25.00 | $25.00 | 12/15/2009 7:27:20 PM |
| auction-elvis | $25.00 | $25.00 | 12/15/2009 8:32:39 PM |
| mbf2234 | $25.00 | $25.00 | 12/15/2009 7:53:13 PM |
| KB4UF | $25.00 | $25.00 | 12/15/2009 8:52:52 PM |
| tisiphone | $25.00 | $25.00 | 12/16/2009 7:54:23 AM |
| Feyenoord | $25.00 | $25.00 | 12/16/2009 8:29:33 AM |
| bondo41 | $25.00 | $25.00 | 12/16/2009 5:55:28 AM |
| red-favorable-basis | $25.00 | $25.00 | 12/16/2009 12:31:38 AM |
| liquidhorse | $25.00 | $25.00 | 12/16/2009 7:22:45 AM |
| efficient-bid2 | $25.00 | $25.00 | 12/16/2009 2:28:23 PM |
| kubien | $25.00 | $25.00 | 12/16/2009 1:43:21 PM |
| wild-orange | $25.00 | $25.00 | 12/16/2009 2:52:33 PM |
| Klearwater_Pools | $25.00 | $25.00 | 12/9/2009 4:01:00 PM |
| Speculator | $25.00 | $25.00 | 12/9/2009 4:01:48 PM |
| 18th_beachbum | $25.00 | $25.00 | 12/9/2009 4:01:35 PM |
| principal-kung-fu | $25.00 | $25.00 | 12/9/2009 4:01:57 PM |
| divedude | $25.00 | $25.00 | 12/9/2009 4:04:03 PM |
| UT-Longhorn | $25.00 | $25.00 | 12/9/2009 4:05:15 PM |
| JJS180 | $25.00 | $25.00 | 12/9/2009 4:03:12 PM |
| Ranch88 | $25.00 | $25.00 | 12/9/2009 4:05:54 PM |
| gulch | $35.00 | $35.00 | 12/9/2009 4:05:34 PM |
| Jimfromsac | $25.00 | $25.00 | 12/9/2009 4:05:57 PM |
| Astounding | $25.00 | $25.00 | 12/9/2009 4:05:49 PM |
| Patter256 | $25.00 | $25.00 | 12/9/2009 4:06:15 PM |
| wise-balanced-moola | $25.00 | $25.00 | 12/9/2009 4:06:27 PM |
| neenerman | $75.00 | $75.00 | 12/9/2009 4:15:55 PM |
| Kerrysbay | $25.00 | $25.00 | 12/9/2009 4:15:43 PM |
| lucrative-worth | $25.00 | $25.00 | 12/9/2009 4:16:29 PM |
| cash-boots | $25.00 | $25.00 | 12/9/2009 4:22:05 PM |
| Weaverville | $25.00 | $25.00 | 12/9/2009 4:22:29 PM |
| chumbawumba | $25.00 | $25.00 | 12/9/2009 4:23:14 PM |
| stable-nickel | $85.00 | $85.00 | 12/9/2009 4:23:06 PM |
| thedoctor | $80.00 | $80.00 | 12/9/2009 4:23:22 PM |
| museic1 | $25.00 | $25.00 | 12/9/2009 4:25:52 PM |
| credit-investor5 | $100.00 | $100.00 | 12/9/2009 4:25:55 PM |
| orange-courageous-dedication | $40.00 | $40.00 | 12/9/2009 4:26:48 PM |
| MoneyU4IA | $40.00 | $40.00 | 12/9/2009 4:26:04 PM |
| lloyd_s | $25.00 | $25.00 | 12/9/2009 4:26:08 PM |
| Tom579 | $25.00 | $25.00 | 12/9/2009 4:27:18 PM |
| dedicated-diversification5 | $100.00 | $100.00 | 12/9/2009 4:27:21 PM |
| the_winning_ticket | $35.00 | $35.00 | 12/9/2009 4:26:17 PM |
| responsibility-butterfly | $25.00 | $25.00 | 12/9/2009 4:25:32 PM |
| Walkingcowboy | $25.00 | $25.00 | 12/9/2009 4:26:34 PM |
| mikeandcat | $50.00 | $50.00 | 12/9/2009 4:26:43 PM |
| Kaj | $30.00 | $30.00 | 12/9/2009 4:27:07 PM |
| leodaguy | $25.00 | $25.00 | 12/9/2009 4:26:14 PM |
| trade-pumpkin | $25.00 | $25.00 | 12/9/2009 4:27:28 PM |
| Attract | $25.00 | $25.00 | 12/9/2009 4:26:26 PM |
| the-money-gargantuan | $25.00 | $25.00 | 12/9/2009 4:26:50 PM |
| teller | $60.00 | $60.00 | 12/9/2009 4:27:01 PM |
| gold-commander0 | $50.00 | $50.00 | 12/9/2009 4:28:12 PM |
| shamrocker | $25.00 | $25.00 | 12/9/2009 4:28:58 PM |
| anakinsolo | $25.00 | $25.00 | 12/9/2009 4:27:48 PM |
| Marathoner | $25.00 | $25.00 | 12/9/2009 4:28:39 PM |
| portfolio-zone801 | $25.00 | $25.00 | 12/9/2009 4:29:34 PM |
| thestartuplender | $35.00 | $35.00 | 12/9/2009 4:30:43 PM |
| mlkhamilton | $25.00 | $25.00 | 12/9/2009 4:38:08 PM |
| toblerone | $25.00 | $25.00 | 12/9/2009 4:38:16 PM |
| payout-point | $100.00 | $100.00 | 12/9/2009 4:38:21 PM |
| verse99 | $25.00 | $25.00 | 12/9/2009 4:38:37 PM |
| greenwell | $50.00 | $50.00 | 12/9/2009 4:38:41 PM |
| DandBFamily | $25.00 | $25.00 | 12/9/2009 4:38:49 PM |
| flopcat | $25.00 | $25.00 | 12/9/2009 4:39:11 PM |
| Musicman1950 | $25.00 | $25.00 | 12/9/2009 4:39:16 PM |
| a-special-power | $25.00 | $25.00 | 12/9/2009 4:39:18 PM |
| roccofox | $50.00 | $50.00 | 12/9/2009 4:38:11 PM |
| invincible-marketplace | $25.00 | $25.00 | 12/9/2009 4:38:26 PM |
| DukSerduk | $25.00 | $25.00 | 12/9/2009 4:38:31 PM |
| freesia54 | $25.00 | $25.00 | 12/9/2009 4:38:47 PM |
| bchen78875 | $50.00 | $50.00 | 12/9/2009 4:39:01 PM |
| HunterSix | $25.00 | $25.00 | 12/9/2009 4:39:08 PM |
| don8ter | $60.00 | $60.00 | 12/9/2009 4:39:12 PM |
| ryreesado | $25.00 | $25.00 | 12/9/2009 4:38:07 PM |
| natmonkey | $25.00 | $25.00 | 12/9/2009 4:38:10 PM |
| foxy-vigilance | $25.00 | $25.00 | 12/9/2009 4:38:14 PM |
| MidLifeCrisis | $25.00 | $25.00 | 12/9/2009 4:38:29 PM |
| lean-velocity | $25.00 | $25.00 | 12/9/2009 4:39:06 PM |
| SnE | $25.00 | $20.27 | 12/9/2009 4:39:21 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/10/2009 3:23:57 PM |
| JackinGreen | $50.00 | $50.00 | 12/11/2009 6:57:45 AM |
| Syzygy | $25.00 | $25.00 | 12/11/2009 2:12:54 PM |
| thegreatstrafe | $25.00 | $25.00 | 12/14/2009 9:29:06 AM |
| oldman68 | $25.00 | $25.00 | 12/14/2009 8:53:49 PM |
| AP2PLender | $25.00 | $25.00 | 12/15/2009 4:39:12 PM |
| lender12345 | $25.00 | $25.00 | 12/15/2009 6:28:17 PM |
| Namrok | $25.00 | $25.00 | 12/15/2009 7:56:45 PM |
| patriot384 | $150.00 | $150.00 | 12/15/2009 5:58:52 PM |
| silverloan | $25.00 | $25.00 | 12/15/2009 9:24:07 PM |
| gothampark | $25.00 | $25.00 | 12/15/2009 6:08:03 PM |
| balance-force | $26.00 | $26.00 | 12/15/2009 10:22:34 PM |
| dunox | $25.00 | $25.00 | 12/15/2009 7:43:32 PM |
| Gunny89 | $25.00 | $25.00 | 12/16/2009 5:05:24 AM |
| jamschmidt | $25.00 | $25.00 | 12/15/2009 9:36:45 PM |
| PLending | $78.00 | $78.00 | 12/16/2009 7:23:38 AM |
| AmericanCredit | $25.00 | $25.00 | 12/16/2009 10:51:58 AM |
| Aristophil | $100.00 | $100.00 | 12/16/2009 5:35:44 AM |
| VWA_to_the_Rescue | $25.00 | $25.00 | 12/16/2009 11:20:05 AM |
| danthemon35 | $25.00 | $25.00 | 12/16/2009 7:13:56 AM |
| skaught | $29.73 | $29.73 | 12/16/2009 10:09:27 AM |
| orbital-gain | $50.00 | $50.00 | 12/16/2009 12:50:26 PM |
| brightest-durability-chomper | $25.00 | $25.00 | 12/16/2009 10:52:43 AM |
| amor1962 | $25.00 | $25.00 | 12/16/2009 12:39:53 PM |
| 171 bids
|
Borrower Payment Dependent Notes Series
437601
This series of Notes was issued and sold upon the funding of the borrower loan #40086, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Dec-09-2009 |
| |
Auction end date:
| Dec-16-2009 |
|
|
Starting lender yield:
| 7.60% |
Starting borrower rate/APR:
| 8.60% / 8.94% |
Starting monthly payment:
| $31.61 |
|
Final lender yield:
| 6.00% |
Final borrower rate/APR:
| 7.00% / 7.34% |
Final monthly payment:
| $30.88 |
| |
|
Auction yield range:
| 3.20% - 7.60% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.40% | | |
<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:
| Mar-1987 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 800-819 (Dec-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 13y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,256 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 5% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| hope-hickory |
Borrower's state:
| Wyoming |
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
Energy efficiency improvements
Purpose of loan:
This loan will be used to purchase materials and supplies to perform energy efficiency improvements around the ranch.
This is also an attempt to establish a credit history here on Prosper.com for the future.
My financial situation:
Business is good.? We continue to invest for the future.? Prosper is not our only source of credit to repay the 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:
Hey Folks- You own the ranch, is it family property or other? (Home ownership listed as "NO"). Cattle ranchers? Your DTI is listed as "Not Calculated"-- which eliminates bids from many of Prosper's portfolio lenders and may hurt your rate- fyi. - bondhedger
A:
Our business is organized as a partnership. The members include my wife and myself as well as other family members. We own the ranch.
Our business is dude ranching. Folks come to our ranch as they would vacation at any destination resort. Our activities include horseback riding, fly fishing, cattle work, and activities with our naturalist.
MY DTI is listed not calculated because we don't pay ourselves per se. With a partnership, "pay" is considered a draw on the equity so no payroll.
(Dec-13-2009)
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 | 12/9/2009 5:37:17 PM |
| productive-currency3 | $25.00 | $25.00 | 12/12/2009 5:29:36 PM |
| FundMaker | $25.00 | $25.00 | 12/13/2009 8:47:11 AM |
| marwadi-62 | $200.00 | $200.00 | 12/13/2009 1:05:05 PM |
| octoberfresh | $25.00 | $25.00 | 12/15/2009 1:38:55 PM |
| surfsider123 | $25.00 | $25.00 | 12/15/2009 2:54:04 PM |
| dime-neutron | $25.00 | $25.00 | 12/15/2009 4:45:18 PM |
| JerryB96 | $25.00 | $25.00 | 12/15/2009 7:27:48 PM |
| fatboy888 | $25.00 | $25.00 | 12/16/2009 5:33:30 AM |
| j352000 | $25.00 | $12.50 | 12/16/2009 7:31:46 AM |
| RiskManiac | $25.00 | $25.00 | 12/16/2009 7:53:39 AM |
| wild-orange | $25.00 | $25.00 | 12/16/2009 2:40:44 PM |
| bank-examiner | $25.00 | $25.00 | 12/16/2009 3:30:19 PM |
| adventure0 | $100.00 | $100.00 | 12/11/2009 8:11:11 PM |
| carrinel | $50.00 | $50.00 | 12/12/2009 4:11:20 PM |
| gavinsp | $25.00 | $25.00 | 12/14/2009 9:47:20 AM |
| Dollars4Rent | $25.00 | $25.00 | 12/14/2009 11:52:26 AM |
| id26709 | $27.50 | $27.50 | 12/14/2009 9:50:48 PM |
| payontime1 | $50.00 | $50.00 | 12/14/2009 9:58:33 PM |
| Dollars4Rent | $25.00 | $25.00 | 12/14/2009 6:45:48 PM |
| helping-out | $45.00 | $45.00 | 12/15/2009 5:13:22 PM |
| next-time | $25.00 | $25.00 | 12/16/2009 6:14:42 AM |
| elevated-finance | $25.00 | $25.00 | 12/15/2009 10:48:47 PM |
| ThPIllowSack | $25.00 | $25.00 | 12/16/2009 6:16:50 AM |
| dan234 | $30.00 | $30.00 | 12/16/2009 8:00:53 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/16/2009 3:14:35 PM |
| JDL51 | $30.00 | $30.00 | 12/16/2009 3:13:18 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
438099
This series of Notes was issued and sold upon the funding of the borrower loan #40076, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,900.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-14-2009 |
| |
Auction end date:
| Dec-21-2009 |
|
|
Starting lender yield:
| 9.40% |
Starting borrower rate/APR:
| 10.40% / 12.51% |
Starting monthly payment:
| $61.67 |
|
Final lender yield:
| 6.95% |
Final borrower rate/APR:
| 7.95% / 10.03% |
Final monthly payment:
| $59.50 |
| |
|
Auction yield range:
| 4.20% - 9.40% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.84% | | |
<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-1996 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 760-779 (Dec-2009) |
Current / open credit lines:
| 13
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 3 |
Total credit lines:
| 45 | Length of status: | 9y 6m |
|
Amount delinquent:
| $99,991 |
Revolving credit balance:
| $37,024 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 38% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 13 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| EEasyMoney |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 720-739
(Nov-2007)
|
|
Principal balance:
| $903.43 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Lender/Group Leader 2nd Loan
Purpose of loan:
I will be using this loan to help in rebuilding my credit history.? The money will go to pay down other small debt, but the real purpose is just to open a new tradeline on my credit and pay it off as scheduled.
My financial situation:
Since the time when I took out my first Prosper loan, my financial picture has changed quite a bit.?I was working as a mortgage loan officer at the time, making very good money.?When the market melted, I was unable to keep my job, and was lucky enough to find a position in the same bank, due to my previous experience in the company as a bank manager.?It was a difficult time, making about 1/3rd of my previous income, but having stability, no longer being on commission.?During that time, I had to sell back my car at a loss to get out of my expensive payment. I also lost a tenant in a rental property due to the recession and was unable to stay current, without the rental income coming in. That property was foreclosed on. On the bright side, I was able to earn a promotion at work and am now a bank manager again (4 years management experience), making enough money to pay my bills.
Monthly net income: $3618
Monthly expenses: $3205
??Housing: $2200
??Insurance: $160
??Car expenses: $0
??Utilities: $50
??Phone, cable, internet: $120
??Food, entertainment: $350
??Clothing, household expenses $75?
??Credit cards and other loans: $250?
??Other expenses: $0
Left Over: $413
Not included in my income is my Prosper Lending portfolio of about $7500. That earns more than enough to pay this loan payment each month. Also of note, I am a Prosper Group Leader of a 5 Star Group that has never missed a payment. I also have my previous Prosper loan, which has always been paid on time. Like that loan, this one will be paid by ACH through my checking account.
Thank you for viewing my listing and for your bid consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| building_community | $25.00 | $25.00 | 12/18/2009 7:21:57 AM |
| bank-examiner | $25.00 | $25.00 | 12/18/2009 6:35:33 PM |
| JGuide | $25.00 | $25.00 | 12/19/2009 12:19:09 PM |
| shrewd-income | $100.00 | $100.00 | 12/19/2009 6:42:52 PM |
| NewOpportunitiesNewLife | $25.00 | $25.00 | 12/19/2009 7:46:36 PM |
| datongmama | $25.00 | $25.00 | 12/20/2009 3:57:34 AM |
| chops21 | $60.00 | $60.00 | 12/20/2009 9:55:56 AM |
| mattblizz | $50.00 | $50.00 | 12/20/2009 3:26:35 PM |
| a_andy | $25.00 | $25.00 | 12/20/2009 8:52:09 PM |
| generous-deal6 | $25.00 | $25.00 | 12/20/2009 10:54:23 PM |
| hard-working-loot | $25.00 | $25.00 | 12/21/2009 7:47:45 AM |
| Earn_money | $36.20 | $36.20 | 12/21/2009 10:00:37 AM |
| Ssider | $50.00 | $50.00 | 12/21/2009 10:03:06 AM |
| Planecourage | $63.59 | $63.59 | 12/21/2009 12:07:31 PM |
| rcs2003 | $100.00 | $100.00 | 12/21/2009 1:40:49 PM |
| bankar | $25.00 | $25.00 | 12/21/2009 3:01:22 PM |
| STOCKBROKER1 | $25.00 | $25.00 | 12/21/2009 3:07:54 PM |
| wild-orange | $25.00 | $25.00 | 12/21/2009 2:50:15 PM |
| JGuide | $200.00 | $135.34 | 12/21/2009 3:40:51 PM |
| dproxima | $25.00 | $25.00 | 12/15/2009 4:28:43 PM |
| Aberdeen | $200.00 | $200.00 | 12/15/2009 4:49:37 PM |
| leod1948 | $25.00 | $25.00 | 12/16/2009 7:12:39 PM |
| SanJoser | $50.00 | $50.00 | 12/18/2009 4:59:36 PM |
| Dskillz | $35.00 | $35.00 | 12/18/2009 5:37:38 PM |
| sgmm330 | $25.00 | $25.00 | 12/18/2009 8:14:34 PM |
| lender124 | $50.00 | $50.00 | 12/20/2009 10:41:31 AM |
| Cliffie83 | $34.42 | $34.42 | 12/20/2009 12:53:08 PM |
| crw1950 | $50.00 | $50.00 | 12/20/2009 3:35:37 PM |
| kulender | $100.00 | $100.00 | 12/20/2009 6:53:01 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/21/2009 1:00:02 AM |
| AsianDragon | $75.00 | $75.00 | 12/20/2009 9:54:35 PM |
| vigman777 | $25.00 | $25.00 | 12/20/2009 10:45:53 PM |
| NYCLAIMSGUY | $25.00 | $25.00 | 12/21/2009 6:06:45 AM |
| maplehouse | $27.24 | $27.24 | 12/21/2009 10:11:37 AM |
| studious-revenue7 | $25.00 | $25.00 | 12/21/2009 11:57:54 AM |
| Aristocrat | $28.21 | $28.21 | 12/21/2009 11:39:52 AM |
| dirkgently | $30.00 | $30.00 | 12/21/2009 12:40:35 PM |
| catalystcf | $25.00 | $25.00 | 12/21/2009 2:00:52 PM |
| justice-hawk | $25.00 | $25.00 | 12/21/2009 1:23:30 PM |
| kf88 | $25.00 | $25.00 | 12/21/2009 1:55:39 PM |
| JGuide | $100.00 | $100.00 | 12/21/2009 2:18:58 PM |
| 41 bids
|
Borrower Payment Dependent Notes Series
438221
This series of Notes was issued and sold upon the funding of the borrower loan #40081, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,300.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Dec-15-2009 |
| |
Auction end date:
| Dec-22-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $104.04 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 33.39% |
Final monthly payment:
| $98.90 |
| |
|
Auction yield range:
| 14.20% - 34.00% |
Estimated loss impact:
| 16.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.92% | | |
<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:
| Nov-1997 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 620-639 (Nov-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 2 |
Total credit lines:
| 25 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,390 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 2 |
Bankcard utilization:
| 90% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 5 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| mgt531 |
Borrower's state:
| Missouri |
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:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 540-559
(May-2008)
560-579
(Apr-2008)
|
|
Principal balance:
| $30.18 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
2nd Loan - Never Late!
Purpose of loan:
This loan will be used to pay off outstanding debt and consolidate everything into one payment.? I can then save more aggressively as I plan to relocate to Florida in the first quarter of 2010.
My financial situation:
I am a good candidate for this loan because?I have a steady job with the same employer for 4 plus years.? I will remain employed with my current employer after my relocation, so my income will not be affected.
I currently have a loan with Prosper and have never been late on payments. My credit score has also improved 80+ points since the last loan with the Prosper community.
I am currently disputing the "Now Delinquent" items that show up on my profile with the major credit bureaus. I have pulled current reports and all open accounts have been paid timely and have never been late.
Monthly net income: $2400.00
Monthly expenses: $ 1900.00
??Housing: $ 650.00?
??Insurance: $ pd through employer
??Car expenses: $?250.00
??Utilities: $?200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 100.00 (employer's 401k plan)
Remaining Funds:? $500.00 (enough left to pay the Prosper loan automatically!)
Thank you for your time and I will be glad to provide additional?information if needed!
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) |
|
| heroic-benefit | $93.17 | $93.17 | 12/18/2009 2:08:43 PM |
| return-grizzly | $100.00 | $100.00 | 12/19/2009 10:06:18 PM |
| peanutsparents | $100.00 | $100.00 | 12/20/2009 8:59:49 AM |
| markac | $50.00 | $50.00 | 12/20/2009 9:43:48 AM |
| oneforthemoney | $25.00 | $25.00 | 12/20/2009 11:09:32 AM |
| cippy | $50.00 | $50.00 | 12/20/2009 8:04:11 PM |
| cybercop45 | $30.00 | $30.00 | 12/21/2009 7:11:43 AM |
| PrinceValium | $25.00 | $25.00 | 12/21/2009 6:39:34 AM |
| FinanceEngine | $25.00 | $25.00 | 12/21/2009 9:02:52 AM |
| AM2008 | $25.00 | $25.00 | 12/21/2009 5:01:04 PM |
| MoneyForNothing | $25.00 | $25.00 | 12/21/2009 5:39:53 PM |
| Norton | $51.78 | $51.78 | 12/21/2009 6:32:13 PM |
| boo_hoo | $50.00 | $50.00 | 12/21/2009 7:45:59 PM |
| glroark | $100.00 | $100.00 | 12/22/2009 6:34:28 AM |
| icon7 | $25.00 | $25.00 | 12/22/2009 10:42:03 AM |
| Catz_aplenty | $25.00 | $25.00 | 12/22/2009 10:03:59 AM |
| piter-to-la-investment | $25.00 | $25.00 | 12/22/2009 11:46:38 AM |
| Bob450 | $25.00 | $25.00 | 12/22/2009 12:05:30 PM |
| flwah | $25.00 | $25.00 | 12/22/2009 7:36:37 AM |
| forthright-dedication | $25.00 | $25.00 | 12/22/2009 12:10:14 PM |
| funtwosay | $25.00 | $25.00 | 12/22/2009 12:39:17 PM |
| jcw3rd | $25.00 | $25.00 | 12/22/2009 9:55:23 AM |
| kilpat | $32.10 | $32.10 | 12/22/2009 10:27:48 AM |
| leverage-monger | $100.00 | $100.00 | 12/22/2009 12:17:43 PM |
| The-CAPS-fan | $40.00 | $40.00 | 12/22/2009 12:39:53 PM |
| SolarMoonshine | $50.00 | $50.00 | 12/15/2009 7:39:39 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/16/2009 3:13:37 PM |
| marwadi-62 | $100.00 | $100.00 | 12/18/2009 9:09:50 AM |
| rubylender | $25.00 | $25.00 | 12/18/2009 3:39:55 PM |
| jpblan11 | $25.00 | $25.00 | 12/18/2009 10:53:58 PM |
| the-silver-blaster | $50.00 | $50.00 | 12/19/2009 8:31:43 AM |
| Happy-Man | $25.00 | $25.00 | 12/19/2009 9:42:08 AM |
| StreetJustice | $75.50 | $75.50 | 12/19/2009 6:33:29 PM |
| SCIGIE | $32.84 | $32.84 | 12/19/2009 4:46:09 PM |
| Whitey | $25.00 | $25.00 | 12/20/2009 8:41:10 AM |
| bondhedger | $25.00 | $25.00 | 12/20/2009 11:21:47 AM |
| vest_vortex | $25.00 | $25.00 | 12/20/2009 11:30:41 AM |
| enriched-truth | $125.00 | $125.00 | 12/20/2009 3:30:29 PM |
| bold-dynamic-silver | $25.00 | $25.00 | 12/20/2009 5:58:03 PM |
| Kash2010lu | $25.00 | $25.00 | 12/21/2009 5:04:36 AM |
| TakeCare | $25.00 | $22.39 | 12/21/2009 11:49:01 AM |
| realtormoises | $25.00 | $25.00 | 12/21/2009 1:17:18 PM |
| dstolars | $25.00 | $25.00 | 12/21/2009 4:31:02 PM |
| carrinel | $100.00 | $100.00 | 12/21/2009 5:12:03 PM |
| Mikale360 | $25.00 | $25.00 | 12/21/2009 5:32:06 PM |
| funimuni | $25.00 | $25.00 | 12/21/2009 6:20:22 PM |
| jybank | $25.00 | $25.00 | 12/21/2009 8:40:15 PM |
| leverage-monger | $25.00 | $25.00 | 12/22/2009 7:07:38 AM |
| upbeat-marketplace | $25.00 | $25.00 | 12/22/2009 7:19:08 AM |
| asdf9876 | $100.00 | $100.00 | 12/22/2009 10:31:00 AM |
| Snoopylover | $25.00 | $25.00 | 12/22/2009 6:11:28 AM |
| cash2lendu | $50.00 | $50.00 | 12/22/2009 11:54:12 AM |
| studious-revenue7 | $47.22 | $47.22 | 12/22/2009 11:57:06 AM |
| 53 bids
|
Borrower Payment Dependent Notes Series
437366
This series of Notes was issued and sold upon the funding of the borrower loan #40082, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Dec-09-2009 |
| |
Auction end date:
| Dec-16-2009 |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $318.39 |
|
Final lender yield:
| 12.00% |
Final borrower rate/APR:
| 13.00% / 15.14% |
Final monthly payment:
| $252.70 |
| |
|
Auction yield range:
| 4.20% - 29.00% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.86% | | |
<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:
| Feb-1990 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 760-779 (Dec-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 54 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $165,042 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 91% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| mclapperton |
Borrower's state:
| Massachusetts |
Borrower's group:
| LendersClub |
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:
| 10 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 760-779
(Oct-2009)
840-859
(Aug-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Pulling out of Prosper
I've been lending on Prosper for sometime now.? Since moving to MA, I am no longer allowed to lend nor can I sell my notes.
That being said, I want to pull out my capital from Prosper and do a little consolidation.
Long story short, I've never been late on any payment and I've successfully paid off one Prosper loan already.? All of the proceeds that I receive from my current Prosper loans that I've funded will go towards paying this debt.
The debt shown on my profile is from 2 equity lines used to rehab two rented properties.? The rent covers a large percentage of the loans (California focuses on appreciation, not cash flow).
My salary is $120K per year base + a 20% bonus and $30K in stock each year.? The stock and the base salary are guaranteed, the bonus is based upon company profitability.
After all income, debt and expenses, I am able to put away about $600 a month.? This loan would reduce the amount of expense servicing debt.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Is the $600 of monthly savings each month, or only where including your bonuses (which I assume are not monthly). thanks - reflective-rupee
A:
My bonuses are not figured into that figure. When we receive bonuses, it is all upside. We did not get bonuses this year due to the economy (go figure) but the company is highly profitable this year and a bonus is likely to occur. I find out in February.
(Dec-09-2009)
Q:
Please list the balances of each of your debts, including real estate related debt. thanks - reflective-rupee
A:
I have 2 equity lines, one for $90K, another for $50K. All the equity line money is put into rehabing the property, not lifestyle financing. I owe $10K in credit card debt. The $7500 will pay that debt (along with cash that I have in the bank).
(Dec-09-2009)
Q:
Please list the current values of each of the pieces of real estate that you own (feel free to use zillow.com). thanks - reflective-rupee
A:
My rental home in San Jose is about $430K, my rental home in Napa is about $400K, and my home in MA is about $450K. I have equity in all 3.
(Dec-09-2009)
Q:
Did you make big profits as a Prosper lender? - Senator
A:
I do pretty well. I was not really carefull in the beginning which led to a bunch of defaults. But I believe most of those are flushed out. When MA is allowed back into Prosper, I believe my strategy would be a little more focused towards lending to lenders. People with skin in the game.
(Dec-16-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jinja | $25.00 | $25.00 | 12/9/2009 4:14:33 PM |
| dloan | $25.00 | $25.00 | 12/9/2009 4:14:03 PM |
| sks1 | $25.00 | $25.00 | 12/9/2009 4:19:53 PM |
| NJournalist | $25.00 | $25.00 | 12/9/2009 4:22:14 PM |
| responsibility-butterfly | $25.00 | $25.00 | 12/9/2009 4:25:02 PM |
| inforapenny | $25.00 | $25.00 | 12/9/2009 4:27:43 PM |
| CallMeBen | $25.00 | $25.00 | 12/9/2009 4:27:30 PM |
| vtpilot00 | $50.00 | $50.00 | 12/9/2009 4:29:44 PM |
| availableloan | $25.00 | $25.00 | 12/9/2009 4:37:44 PM |
| helping-out | $40.00 | $40.00 | 12/9/2009 4:40:28 PM |
| vtpilot00 | $50.00 | $50.00 | 12/9/2009 4:57:43 PM |
| hellasow | $50.00 | $50.00 | 12/9/2009 6:07:34 PM |
| minista | $25.00 | $25.00 | 12/9/2009 7:47:53 PM |
| lepolgr | $50.00 | $50.00 | 12/9/2009 8:03:54 PM |
| drcoop | $25.00 | $25.00 | 12/10/2009 9:40:45 AM |
| wwwUniversal | $25.00 | $25.00 | 12/10/2009 9:47:23 AM |
| twjh | $25.00 | $25.00 | 12/10/2009 11:11:30 AM |
| sagemoto | $25.00 | $25.00 | 12/10/2009 1:01:58 PM |
| sparkmeister | $25.00 | $25.00 | 12/10/2009 1:03:51 PM |
| building_community | $26.09 | $26.09 | 12/10/2009 2:20:16 PM |
| income-fortress | $75.00 | $75.00 | 12/11/2009 6:03:13 AM |
| loans_to_loan | $25.00 | $25.00 | 12/11/2009 7:35:19 AM |
| Syzygy | $25.00 | $25.00 | 12/11/2009 2:12:22 PM |
| loanman2007 | $400.00 | $400.00 | 12/11/2009 3:25:11 PM |
| Mantis75 | $25.00 | $25.00 | 12/12/2009 1:38:49 PM |
| RadCad1 | $25.00 | $25.00 | 12/13/2009 1:42:15 PM |
| psalms6612 | $25.00 | $25.00 | 12/13/2009 9:36:06 AM |
| dorypro | $25.00 | $25.00 | 12/13/2009 3:33:52 PM |
| Johnab | $25.00 | $25.00 | 12/14/2009 11:13:36 AM |
| JGuide | $25.00 | $25.00 | 12/14/2009 1:25:00 PM |
| louisprima | $42.83 | $42.83 | 12/14/2009 3:02:39 PM |
| msg500wave | $25.64 | $25.64 | 12/14/2009 12:38:55 PM |
| ZerightGifts | $100.00 | $100.00 | 12/14/2009 1:53:25 PM |
| credit-coach118 | $35.00 | $35.00 | 12/14/2009 4:33:02 PM |
| Light_Verity | $500.00 | $500.00 | 12/14/2009 7:45:43 PM |
| flshdaskll | $25.00 | $25.00 | 12/14/2009 6:18:36 PM |
| lepolgr | $50.00 | $50.00 | 12/14/2009 8:05:19 PM |
| spiff666 | $25.00 | $25.00 | 12/14/2009 9:30:27 PM |
| Starman57 | $100.00 | $100.00 | 12/14/2009 11:46:38 PM |
| matthewa | $25.00 | $25.00 | 12/15/2009 4:28:08 AM |
| bsmtloan | $75.00 | $75.00 | 12/15/2009 7:20:25 AM |
| TigerForce | $25.00 | $25.00 | 12/15/2009 2:09:02 PM |
| JUDAHiNVESTMENTGROUP | $25.00 | $25.00 | 12/15/2009 4:45:16 PM |
| justice-hawk | $100.00 | $69.71 | 12/15/2009 4:59:42 PM |
| LesPaul1 | $25.00 | $25.00 | 12/15/2009 4:46:07 PM |
| Eaglehigh | $25.00 | $25.00 | 12/15/2009 5:26:46 PM |
| Bapi | $25.00 | $25.00 | 12/15/2009 8:08:43 PM |
| interest-friendship | $50.00 | $50.00 | 12/15/2009 5:50:23 PM |
| mglanham | $28.61 | $28.61 | 12/15/2009 6:59:54 PM |
| surferracerskaterboy | $50.00 | $50.00 | 12/15/2009 6:46:25 PM |
| Trondheim_Norway | $100.00 | $100.00 | 12/15/2009 6:57:36 PM |
| B-rad_the_Coug | $25.00 | $25.00 | 12/15/2009 9:42:53 PM |
| AF-Chief | $58.00 | $58.00 | 12/16/2009 10:55:37 AM |
| motivator72 | $25.00 | $25.00 | 12/16/2009 5:53:08 AM |
| OregonDane | $25.00 | $25.00 | 12/16/2009 8:45:44 AM |
| Frugal | $25.00 | $25.00 | 12/16/2009 11:38:36 AM |
| houli123 | $50.00 | $50.00 | 12/16/2009 12:46:55 PM |
| kf88 | $25.00 | $25.00 | 12/16/2009 1:46:08 PM |
| piter-to-la-investment | $50.00 | $50.00 | 12/16/2009 1:52:34 PM |
| arcite | $50.00 | $50.00 | 12/16/2009 10:45:08 AM |
| rockhound84 | $25.00 | $25.00 | 12/16/2009 10:56:19 AM |
| qkinger | $50.00 | $50.00 | 12/16/2009 2:47:46 PM |
| spc91x | $25.00 | $25.00 | 12/16/2009 12:00:18 PM |
| auction-sage | $40.00 | $40.00 | 12/16/2009 3:47:28 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/16/2009 2:09:20 PM |
| patriot384 | $150.00 | $150.00 | 12/16/2009 3:00:27 PM |
| manny00 | $25.86 | $25.86 | 12/16/2009 3:04:16 PM |
| myduck | $75.00 | $75.00 | 12/16/2009 3:08:09 PM |
| careful-wealth | $50.00 | $50.00 | 12/16/2009 3:34:14 PM |
| active-return | $27.00 | $27.00 | 12/16/2009 2:48:18 PM |
| wild-orange | $25.00 | $25.00 | 12/16/2009 2:59:48 PM |
| TakeCare | $50.00 | $50.00 | 12/16/2009 3:19:47 PM |
| ekmendenhall | $25.00 | $25.00 | 12/9/2009 4:27:32 PM |
| Ven58 | $25.00 | $25.00 | 12/9/2009 5:00:08 PM |
| FjLenders | $50.03 | $50.03 | 12/9/2009 4:58:03 PM |
| Only_Money | $25.00 | $25.00 | 12/9/2009 6:08:14 PM |
| shortblondemark | $25.00 | $25.00 | 12/9/2009 7:46:58 PM |
| affluence-tulip | $95.38 | $95.38 | 12/9/2009 9:45:31 PM |
| SwiDaddy | $100.00 | $100.00 | 12/10/2009 7:25:42 AM |
| EJO | $25.00 | $25.00 | 12/10/2009 12:54:16 PM |
| invincible-gain | $46.00 | $46.00 | 12/10/2009 1:41:20 PM |
| dontscrewmeover1 | $50.00 | $50.00 | 12/10/2009 5:39:05 PM |
| JGuide | $100.00 | $100.00 | 12/10/2009 8:52:18 PM |
| 371millwood | $200.00 | $200.00 | 12/11/2009 7:43:01 AM |
| impartial-deal | $25.00 | $25.00 | 12/11/2009 11:18:58 AM |
| nickel-mad-scientist | $25.00 | $25.00 | 12/11/2009 10:25:26 AM |
| dn0pes | $25.00 | $25.00 | 12/11/2009 4:06:51 PM |
| helping-out | $38.17 | $38.17 | 12/11/2009 5:42:55 PM |
| a2190b | $25.00 | $25.00 | 12/11/2009 6:50:55 PM |
| jonn834 | $25.00 | $25.00 | 12/11/2009 10:19:02 PM |
| pietro_torna_indietro | $100.00 | $100.00 | 12/12/2009 7:56:33 AM |
| minddoc | $25.00 | $25.00 | 12/12/2009 8:04:17 AM |
| reflective-rupee | $25.00 | $25.00 | 12/12/2009 2:36:31 PM |
| gothampark | $25.00 | $25.00 | 12/13/2009 1:53:30 PM |
| PrinceValium | $25.00 | $25.00 | 12/13/2009 7:29:49 PM |
| thegreatstrafe | $25.00 | $25.00 | 12/14/2009 9:29:04 AM |
| Dollars4Rent | $25.00 | $25.00 | 12/14/2009 11:48:55 AM |
| ezhik00 | $25.00 | $25.00 | 12/14/2009 7:19:53 PM |
| IP | $50.00 | $50.00 | 12/14/2009 5:11:32 PM |
| nickel-pipeline | $25.00 | $25.00 | 12/14/2009 8:00:03 PM |
| YummiBear | $25.00 | $25.00 | 12/14/2009 7:26:04 PM |
| thoughtful-community7 | $50.00 | $50.00 | 12/15/2009 12:18:31 PM |
| leverage-monger | $100.00 | $100.00 | 12/15/2009 9:58:17 AM |
| G-Love | $200.00 | $200.00 | 12/15/2009 11:59:59 AM |
| ultimatepaintball | $25.00 | $25.00 | 12/15/2009 4:45:25 PM |
| bomdel | $25.00 | $25.00 | 12/15/2009 4:46:15 PM |
| money-prophesy | $150.00 | $150.00 | 12/15/2009 4:46:18 PM |
| enticing-treasure5 | $25.00 | $25.00 | 12/15/2009 4:46:39 PM |
| aislinnn | $25.00 | $25.00 | 12/15/2009 4:46:51 PM |
| ProLoans | $25.00 | $25.00 | 12/15/2009 4:46:59 PM |
| scloans | $26.00 | $26.00 | 12/15/2009 5:00:18 PM |
| Nasdaq | $25.00 | $25.00 | 12/15/2009 4:46:40 PM |
| nimcha | $50.00 | $50.00 | 12/15/2009 4:37:36 PM |
| PR05P3RToday | $25.00 | $25.00 | 12/15/2009 9:20:56 PM |
| tomjac2000 | $25.00 | $25.00 | 12/15/2009 6:44:10 PM |
| 2seriousteachers | $25.00 | $25.00 | 12/15/2009 7:08:06 PM |
| JerryB96 | $25.00 | $25.00 | 12/15/2009 7:24:03 PM |
| Floridagirl | $25.00 | $25.00 | 12/16/2009 3:13:29 AM |
| justin323 | $25.00 | $25.00 | 12/16/2009 3:48:11 AM |
| reflective-rupee | $25.00 | $25.00 | 12/16/2009 9:48:40 AM |
| suburbanman64 | $50.00 | $50.00 | 12/16/2009 10:18:27 AM |
| catalystcf | $25.00 | $25.00 | 12/16/2009 7:52:10 AM |
| Feyenoord | $50.00 | $50.00 | 12/16/2009 8:34:33 AM |
| arcite | $51.66 | $51.66 | 12/16/2009 10:45:33 AM |
| Tahoe | $66.29 | $66.29 | 12/16/2009 9:31:29 AM |
| sunstar | $25.00 | $25.00 | 12/16/2009 1:06:58 PM |
| MoneyForNothing | $25.00 | $25.00 | 12/16/2009 11:00:09 AM |
| lnrn | $25.90 | $25.90 | 12/16/2009 1:11:19 PM |
| JJ-Loans | $40.00 | $40.00 | 12/16/2009 9:48:14 AM |
| The-CAPS-fan | $45.00 | $45.00 | 12/16/2009 10:15:47 AM |
| bevans | $25.00 | $25.00 | 12/16/2009 12:03:15 PM |
| Aristophil | $277.00 | $277.00 | 12/16/2009 2:35:04 PM |
| whitegold24k | $200.00 | $200.00 | 12/16/2009 1:43:42 PM |
| CA_Lender | $25.00 | $25.00 | 12/16/2009 12:39:46 PM |
| congardner1 | $25.00 | $25.00 | 12/16/2009 1:27:48 PM |
| draggon77 | $25.00 | $25.00 | 12/16/2009 3:03:38 PM |
| eclicknsave | $29.83 | $29.83 | 12/16/2009 3:40:46 PM |
| unger | $100.00 | $100.00 | 12/16/2009 3:55:02 PM |
| Memphis-King | $60.00 | $60.00 | 12/16/2009 3:56:22 PM |
| LAKETIME | $25.00 | $25.00 | 12/16/2009 2:59:30 PM |
| exciting-fairness | $200.00 | $200.00 | 12/16/2009 3:39:55 PM |
| dblaz5 | $250.00 | $250.00 | 12/16/2009 3:56:18 PM |
| Engineer44 | $30.00 | $30.00 | 12/16/2009 3:57:09 PM |
| 143 bids
|
Borrower Payment Dependent Notes Series
437964
This series of Notes was issued and sold upon the funding of the borrower loan #40089, 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-11-2009 |
| |
Auction end date:
| Dec-18-2009 |
|
|
Starting lender yield:
| 15.00% |
Starting borrower rate/APR:
| 16.00% / 18.18% |
Starting monthly payment:
| $175.79 |
|
Final lender yield:
| 14.80% |
Final borrower rate/APR:
| 15.80% / 17.98% |
Final monthly payment:
| $175.29 |
| |
|
Auction yield range:
| 6.20% - 15.00% |
Estimated loss impact:
| 5.25% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.55% | | |
<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:
| 8 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 760-779 (Dec-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,650 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 13% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| HelpingYourROI |
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:
| 15 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 760-779
(Sep-2008)
520-539
(Jun-2007)
|
|
Principal balance:
| $1,222.74 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Making the new House HOME!
Purpose of loan:
We will be combining some expenses we incurred after buying our new home (furniture, small improvements, etc.) as well as the remaining balance of our existing Prosper loan with this loan.? This will include 2 credit cards, one furniture store account, and our existing Prosper loan.
We are beginning construction in our downstairs area to build a wall, upgrade the electrical, and flooring, which is where most of our extra income is going right now.
My financial situation:
We lived below our means to eliminate a large portion of our debt before we bought our home, and while we have strived to continue that, we have used some credit to make our house home.? With the construction beginning and the desire to continue to live below our means, we want to consolidate everything left into one low payment on a Prosper loan.? Once construction is complete and that expense no longer there, we will accelerate Prosper loan payments as we did on the previous loan.
Income:? $5000 (net)
Mortgage:? $1400
Auto:? $370
Insurance $180
Credit $500 (well above minimums)
Utilities $450
529's $400
Entertainment $400
Savings $500
Almost all the rest has been going into the renovations.
Thank you for your confidence, I assure you as in my previous loan, this loan will be auto-drafted and never a question of missed 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:
What was the one public record that was on your credit report from the past 10 years? - reBuild-America
A:
It is a released state tax lien from 2002-2003, that resulted from a short payment on taxes when we got caught owing significantly more. I thought our scheduled payments were enough, but they were not and when I was notified I tried to pay before the lien was filed. They said I had, but for some reason filed it anyway, then released it immediately. The amount was < $250.
(Dec-17-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CallMeBen | $25.00 | $25.00 | 12/11/2009 3:04:47 PM |
| prudent-gain7 | $25.00 | $25.00 | 12/12/2009 6:33:33 AM |
| Buffer10 | $100.00 | $100.00 | 12/12/2009 8:00:37 AM |
| 3am-preacher | $25.00 | $25.00 | 12/12/2009 8:08:13 AM |
| matthewa | $25.00 | $25.00 | 12/12/2009 8:01:54 PM |
| credit-maestro | $42.00 | $42.00 | 12/12/2009 12:08:34 PM |
| bdruss | $25.00 | $25.00 | 12/12/2009 7:19:56 PM |
| credit-coach118 | $25.00 | $25.00 | 12/16/2009 11:01:57 AM |
| texrob20 | $25.00 | $25.00 | 12/17/2009 5:05:11 PM |
| ultimatepaintball | $25.00 | $25.00 | 12/17/2009 5:09:34 PM |
| three-for-6 | $132.00 | $132.00 | 12/17/2009 7:55:42 PM |
| seineil | $36.84 | $36.84 | 12/17/2009 5:05:38 PM |
| dime-neutron | $25.00 | $25.00 | 12/17/2009 5:09:25 PM |
| merlin981 | $25.00 | $25.00 | 12/17/2009 5:09:59 PM |
| zone6 | $200.00 | $200.00 | 12/17/2009 9:49:22 PM |
| dudebrah | $25.00 | $25.00 | 12/17/2009 7:14:34 PM |
| Loan_shark718 | $35.00 | $35.00 | 12/17/2009 8:52:55 PM |
| balance-force | $30.00 | $30.00 | 12/17/2009 11:49:12 PM |
| nalaari | $72.47 | $72.47 | 12/18/2009 5:14:29 AM |
| spiff666 | $25.00 | $25.00 | 12/18/2009 7:25:02 AM |
| momentous-transaction8 | $200.00 | $200.00 | 12/18/2009 9:22:51 AM |
| Rancid | $30.00 | $30.00 | 12/18/2009 9:47:51 AM |
| coldfuzion | $33.82 | $33.82 | 12/18/2009 10:16:13 AM |
| JTHarris | $50.00 | $50.00 | 12/18/2009 10:20:10 AM |
| credit-coach118 | $25.00 | $25.00 | 12/18/2009 10:46:31 AM |
| SV-AZ | $35.00 | $35.00 | 12/18/2009 11:23:37 AM |
| Feyenoord | $50.00 | $50.00 | 12/18/2009 10:13:27 AM |
| nickel-pipeline | $35.76 | $35.76 | 12/18/2009 11:32:04 AM |
| scredneck | $48.40 | $48.40 | 12/18/2009 12:01:17 PM |
| HQLender06851 | $25.00 | $25.00 | 12/18/2009 12:07:35 PM |
| wilmajean | $60.00 | $60.00 | 12/18/2009 11:26:20 AM |
| wild-orange | $25.00 | $25.00 | 12/18/2009 11:50:15 AM |
| sdkakarok | $31.84 | $31.84 | 12/18/2009 12:47:46 PM |
| orbital-gain | $36.00 | $36.00 | 12/18/2009 12:53:19 PM |
| Jazzy503 | $25.00 | $25.00 | 12/18/2009 12:56:07 PM |
| serene-capital | $25.00 | $25.00 | 12/18/2009 1:19:25 PM |
| piter-to-la-investment | $25.00 | $25.00 | 12/18/2009 1:16:25 PM |
| colorfulgardener | $50.00 | $50.00 | 12/18/2009 1:32:19 PM |
| TigerForce | $25.00 | $25.00 | 12/18/2009 12:37:14 PM |
| MattProsper | $108.00 | $108.00 | 12/18/2009 12:59:12 PM |
| lakrav | $25.00 | $25.00 | 12/18/2009 1:45:35 PM |
| durability-colonel | $50.00 | $50.00 | 12/18/2009 2:11:07 PM |
| superluminova | $25.00 | $25.00 | 12/18/2009 2:43:00 PM |
| OoM | $25.00 | $25.00 | 12/18/2009 2:45:31 PM |
| StocksMan | $50.00 | $50.00 | 12/18/2009 2:55:39 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/18/2009 2:21:35 PM |
| dynamic-fairness | $37.35 | $37.35 | 12/18/2009 2:32:24 PM |
| cjames84 | $25.00 | $25.00 | 12/18/2009 2:38:21 PM |
| fulfilling-commitment | $25.00 | $25.00 | 12/18/2009 2:44:32 PM |
| Bob450 | $25.00 | $25.00 | 12/11/2009 10:37:34 PM |
| ghinga | $50.00 | $50.00 | 12/12/2009 6:08:38 AM |
| blot44 | $25.00 | $25.00 | 12/11/2009 6:38:37 PM |
| totoro | $25.00 | $25.00 | 12/12/2009 6:04:18 PM |
| sparkmeister | $25.00 | $25.00 | 12/14/2009 6:20:10 AM |
| income-fortress | $200.00 | $200.00 | 12/14/2009 11:38:16 AM |
| dbanwart | $50.00 | $50.00 | 12/15/2009 5:08:28 PM |
| scho0590 | $65.20 | $65.20 | 12/15/2009 7:09:01 PM |
| circustab | $50.00 | $50.00 | 12/16/2009 6:58:44 AM |
| nalaari | $50.00 | $50.00 | 12/17/2009 2:03:23 PM |
| efficient-bid2 | $100.00 | $100.00 | 12/17/2009 4:43:19 PM |
| patriot384 | $200.00 | $200.00 | 12/17/2009 6:33:52 PM |
| Ven58 | $25.00 | $25.00 | 12/17/2009 6:40:35 PM |
| Credit2Prosper | $49.50 | $49.50 | 12/17/2009 6:49:44 PM |
| rockhound84 | $25.00 | $25.00 | 12/17/2009 7:27:19 PM |
| principal-star | $25.00 | $25.00 | 12/17/2009 7:29:48 PM |
| ddh81 | $27.72 | $27.72 | 12/17/2009 5:08:39 PM |
| money-prophesy | $150.00 | $150.00 | 12/17/2009 5:09:29 PM |
| market-jam | $100.00 | $100.00 | 12/17/2009 5:09:33 PM |
| CA_Lender | $25.00 | $25.00 | 12/17/2009 9:49:27 PM |
| credit-maestro | $50.00 | $50.00 | 12/17/2009 6:37:43 PM |
| JackinGreen | $75.00 | $75.00 | 12/17/2009 6:56:41 PM |
| Syzygy | $25.00 | $25.00 | 12/17/2009 6:38:54 PM |
| 1traveler | $25.00 | $25.00 | 12/18/2009 12:36:08 AM |
| Share-the-wealth | $100.00 | $100.00 | 12/18/2009 6:27:21 AM |
| whatreality | $25.00 | $25.00 | 12/18/2009 6:48:38 AM |
| Leshan | $100.00 | $100.00 | 12/18/2009 8:03:01 AM |
| building_community | $25.00 | $25.00 | 12/18/2009 7:20:52 AM |
| Bank_Of_XL | $50.00 | $50.00 | 12/18/2009 8:20:54 AM |
| minista | $25.00 | $25.00 | 12/18/2009 8:09:20 AM |
| Kash2010lu | $25.00 | $25.00 | 12/18/2009 8:32:22 AM |
| cashhelp | $25.00 | $25.00 | 12/18/2009 9:18:09 AM |
| marwadi-62 | $150.00 | $150.00 | 12/18/2009 9:07:07 AM |
| massuot | $25.00 | $25.00 | 12/18/2009 10:21:05 AM |
| velocity-winner | $25.00 | $25.00 | 12/18/2009 9:45:43 AM |
| momentous-transaction8 | $100.00 | $100.00 | 12/18/2009 11:05:52 AM |
| jetblack | $30.48 | $30.48 | 12/18/2009 11:35:47 AM |
| bear01 | $30.00 | $30.00 | 12/18/2009 11:39:07 AM |
| mckhbnpc | $25.00 | $25.00 | 12/18/2009 10:44:00 AM |
| SlowGardener | $50.00 | $50.00 | 12/18/2009 10:51:45 AM |
| kjb1971 | $25.00 | $25.00 | 12/18/2009 12:08:55 PM |
| wwwUniversal | $25.00 | $25.00 | 12/18/2009 11:35:28 AM |
| bondhedger | $25.00 | $25.00 | 12/18/2009 12:26:42 PM |
| kcowin | $65.00 | $65.00 | 12/18/2009 12:33:59 PM |
| power-cell | $36.00 | $36.00 | 12/18/2009 1:06:45 PM |
| 371millwood | $200.00 | $200.00 | 12/18/2009 12:33:56 PM |
| peakstocks | $26.00 | $26.00 | 12/18/2009 2:14:20 PM |
| p2ploan-sensation211 | $50.00 | $35.62 | 12/18/2009 2:53:06 PM |
| caddy5662 | $55.00 | $55.00 | 12/18/2009 2:47:46 PM |
| Engineer44 | $25.00 | $25.00 | 12/18/2009 2:56:13 PM |
| vest_vortex | $25.00 | $25.00 | 12/18/2009 2:48:51 PM |
| 100 bids
|
Borrower Payment Dependent Notes Series
438030
This series of Notes was issued and sold upon the funding of the borrower loan #40075, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Dec-14-2009 |
| |
Auction end date:
| Dec-21-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 17.20% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
<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:
| Sep-1993 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 680-699 (Dec-2009) |
Current / open credit lines:
| 2
/
2 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 10 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $158 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| ormom |
Borrower's state:
| Oregon |
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:
| 24 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 680-699
(Nov-2007)
|
|
Principal balance:
| $1,161.29 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Til March
Loan request $2500
List of Items for Loan:
Prosper payoff Loan Balance: $1125
Dental Bill: $ 425
Brakes For Car $ 400
Balance Credit Card $ 158
Balance Reaffirmed Loan $ 102
Total: $2210
Gross Income: $1520 (Raise again in March 2010)
Take Home Approx: $1250
Income retirement Starting in March $772.00 Total at that time $1970.
Present monthly expenses:
Rent $450 shared for 4yrs 10 months at current address
Utilities/phone
Food Bill etc $300
Car Insurance $ 60
Incidentals/Credit
Card, gas $150 (Includes Penney?s payment $25, balance $158)
Prosper $106 (Balance $1125)
Franklin Capital $ 50 (Balance $102)
Eltman Cooper $ 50 (Paid down from $6040 2 years ago to $1653)
Total Per Month: $1166.
Even though I have only 3 months at my new job, my employment & payment
history is good. The reaffirmed loan payment going to Eltman Cooper is not
reported by them, but I have my payment record & cancelled checks. I intend to
pay them off during next year. Through balance payoffs, I will realize another
$100 a month until my retirement payments starts in March. This is direct deposit
& already set up. I hope this represents my situation well enough to receive a loan.
Thank you for your consideration & **Happy Holidays**
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Will you be keeping this loan for 36 months, and do you forsee any
downsizing from work? Thanks - RecoveryLender
A:
Thank you for your question.
I definitely do not see downsizing in the ecommerce department that I work in.
The department has tripled in size in 2 years & is starting on a new building in May 2010. The web site is shopgoodwill.com (where I list collectibles & other items for sale) & shopgoodwillbooks.com. which is housed in the same building.
I plan on keeping this loan to term with additional payments occasionally.
(Dec-15-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Bob450 | $25.00 | $25.00 | 12/14/2009 9:56:23 PM |
| wise-repayment-seeker | $25.00 | $25.00 | 12/16/2009 7:39:06 PM |
| 2brotherslending | $100.00 | $100.00 | 12/18/2009 9:20:14 PM |
| SNH | $50.00 | $50.00 | 12/19/2009 10:10:26 AM |
| JiggaJoeyS | $50.00 | $50.00 | 12/19/2009 7:11:41 PM |
| Lenderboy | $1,450.00 | $659.00 | 12/20/2009 3:14:36 PM |
| bold-dynamic-silver | $25.00 | $25.00 | 12/20/2009 6:31:44 PM |
| maccpro1 | $50.00 | $50.00 | 12/21/2009 3:33:27 AM |
| cordial-integrity | $50.00 | $50.00 | 12/21/2009 9:27:42 AM |
| piter-to-la-investment | $25.00 | $25.00 | 12/21/2009 10:53:56 AM |
| TakeCare | $30.00 | $30.00 | 12/21/2009 11:34:37 AM |
| eboomer2611 | $25.00 | $25.00 | 12/21/2009 12:54:57 PM |
| Bob450 | $25.00 | $25.00 | 12/21/2009 12:22:22 PM |
| just-trade0 | $36.00 | $36.00 | 12/21/2009 1:02:12 PM |
| quest0 | $25.00 | $25.00 | 12/21/2009 3:06:23 PM |
| 56bones | $25.00 | $25.00 | 12/21/2009 3:18:47 PM |
| WeshaTheLeopard | $25.00 | $25.00 | 12/21/2009 2:45:38 PM |
| 56bones | $25.00 | $25.00 | 12/21/2009 3:19:04 PM |
| Aberdeen | $300.00 | $300.00 | 12/16/2009 3:09:13 PM |
| tomas090 | $25.00 | $25.00 | 12/16/2009 4:10:52 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/16/2009 6:07:13 PM |
| Unitas4302 | $200.00 | $200.00 | 12/17/2009 4:38:42 AM |
| retired272 | $25.00 | $25.00 | 12/17/2009 4:35:58 PM |
| Kash2010lu | $25.00 | $25.00 | 12/19/2009 9:39:29 AM |
| marwadi-62 | $100.00 | $100.00 | 12/19/2009 12:53:23 PM |
| unk1911 | $25.00 | $25.00 | 12/19/2009 2:05:28 PM |
| zydeco337 | $25.00 | $25.00 | 12/19/2009 1:51:57 PM |
| Ronnieboy888 | $25.00 | $25.00 | 12/19/2009 9:34:11 PM |
| cjames84 | $25.00 | $25.00 | 12/20/2009 1:35:06 PM |
| helping-out | $25.00 | $25.00 | 12/20/2009 3:30:32 PM |
| MoneyForNothing | $25.00 | $25.00 | 12/20/2009 6:25:26 PM |
| Mikale360 | $25.00 | $25.00 | 12/20/2009 6:35:03 PM |
| Laxa | $25.00 | $25.00 | 12/20/2009 9:19:53 PM |
| carrinel | $100.00 | $100.00 | 12/21/2009 8:23:46 AM |
| RecoveryLender | $25.00 | $25.00 | 12/21/2009 10:16:50 AM |
| bobd32 | $25.00 | $25.00 | 12/21/2009 11:22:05 AM |
| Bobusa | $25.00 | $25.00 | 12/21/2009 11:40:25 AM |
| Feyenoord | $50.00 | $50.00 | 12/21/2009 12:37:59 PM |
| vest_vortex | $25.00 | $25.00 | 12/21/2009 2:11:53 PM |
| PCity-LOA15 | $25.00 | $25.00 | 12/21/2009 2:16:45 PM |
| STOCKBROKER1 | $25.00 | $25.00 | 12/21/2009 3:16:03 PM |
| Tono | $25.00 | $25.00 | 12/21/2009 3:34:52 PM |
| 42 bids
|