Sales Report:Supplement No. 112 dated Jan 07, 2010 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 416768
This series of Notes was issued and sold upon the funding of the borrower loan #40315, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,700.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-02-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $116.63
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $116.54
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.24%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: May-1997 Debt/Income ratio: 21%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 52Length of status:15y 3m
Amount delinquent: $0 Revolving credit balance: $10,219 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 26%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: letsdeal101 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 2 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
660-679 (Jul-2007)
680-699 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
Consolidation of three credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 6500.00

Monthly expenses: $
??Housing: $ 1193.00
??Insurance: $ 142.00
??Car expenses: $ 594.94
??Utilities: $? 325.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 650.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 500.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
all_of_that_one$25.00$25.0012/28/2009 9:23:16 AM
jwood3030$25.00$25.0012/28/2009 9:47:23 AM
kayakg$25.00$25.0012/28/2009 10:27:08 AM
Rob717171$25.00$25.0012/28/2009 10:29:13 AM
kenji4861$25.00$25.0012/28/2009 10:29:30 AM
CaptainBlueberry$25.00$25.0012/28/2009 10:37:52 AM
bayareainv$50.00$50.0012/28/2009 10:39:46 AM
ljay$25.00$25.0012/28/2009 10:36:07 AM
kegs$100.00$100.0012/28/2009 10:40:27 AM
highcountry1$25.00$25.0012/28/2009 10:36:25 AM
grampy48$25.00$25.0012/28/2009 10:36:41 AM
SNH$50.00$50.0012/28/2009 10:37:44 AM
fortytwo$200.00$200.0012/28/2009 10:36:47 AM
asdf9876$25.00$25.0012/28/2009 10:39:18 AM
Sixmil$25.00$25.0012/28/2009 10:39:38 AM
totoro$25.00$25.0012/28/2009 10:39:43 AM
burgeoning-silver$25.00$25.0012/28/2009 10:45:52 AM
diligent-leverage$25.00$25.0012/28/2009 10:41:03 AM
djs81$25.00$25.0012/28/2009 10:46:13 AM
jd006006$40.00$40.0012/28/2009 10:46:18 AM
Banker7371$25.00$25.0012/28/2009 10:38:44 AM
majestic-dedication$50.00$50.0012/28/2009 10:39:07 AM
aventurer$25.00$25.0012/28/2009 10:39:13 AM
wdfraser$25.00$25.0012/28/2009 10:40:00 AM
Gabriel02$25.00$25.0012/28/2009 10:45:28 AM
Tc11902$50.00$50.0012/28/2009 10:46:11 AM
elasermd$50.00$44.8912/28/2009 10:46:20 AM
sidney102$25.00$25.0012/28/2009 10:45:33 AM
amit_gu$100.00$100.0012/28/2009 2:27:09 PM
bank-examiner$25.00$25.0012/28/2009 4:16:18 PM
wonderous-power$25.00$25.0012/29/2009 1:33:08 AM
admirable-credit$25.00$25.0012/29/2009 1:00:10 AM
UCSBGAUCHOS$40.00$40.0012/29/2009 9:39:27 AM
Loan2save$25.00$25.0012/29/2009 1:56:14 PM
impartial-deal$25.00$25.0012/29/2009 3:43:00 PM
FundMaker$25.00$25.0012/29/2009 5:06:07 PM
wwwUniversal$25.00$25.0012/29/2009 8:41:57 PM
rmpedi33$200.00$200.0012/30/2009 7:53:50 AM
beachfunder$25.00$25.0012/30/2009 8:17:22 AM
kf88$30.00$30.0012/30/2009 1:03:23 PM
dmitriy2$25.00$25.0012/31/2009 9:58:55 AM
CalCollegeFund19$100.00$100.0012/31/2009 12:48:56 PM
1SteelerFan$25.00$25.0012/31/2009 12:31:21 PM
medkoder$25.00$25.0012/31/2009 2:43:33 PM
draggon77$25.00$25.0012/31/2009 3:02:31 PM
Vegan-Girl$25.00$25.0012/31/2009 6:41:40 PM
theskippy$25.00$25.001/1/2010 1:57:33 PM
jtoms101$25.00$25.001/1/2010 12:34:36 PM
bossyboots01$25.00$25.001/2/2010 5:47:59 AM
mwb$25.00$25.001/2/2010 12:19:26 PM
woodenshoes$25.00$25.0012/28/2009 9:36:37 AM
boogaboogabooga$25.00$25.0012/28/2009 10:26:51 AM
rulender$50.00$50.0012/28/2009 10:27:16 AM
TK4$25.00$25.0012/28/2009 10:26:58 AM
gethsemane4$25.00$25.0012/28/2009 10:27:04 AM
scottr$25.00$25.0012/28/2009 10:27:49 AM
superstar449$25.00$25.0012/28/2009 10:36:15 AM
meenan$40.00$40.0012/28/2009 10:37:05 AM
PA2LA$25.00$25.0012/28/2009 10:37:13 AM
BlindProphet$25.00$25.0012/28/2009 10:37:37 AM
HamletTower$25.00$25.0012/28/2009 10:37:54 AM
BigMoney56$25.00$25.0012/28/2009 10:38:19 AM
note-tent$50.00$50.0012/28/2009 10:36:32 AM
nuclearmoose$25.00$25.0012/28/2009 10:37:16 AM
microlendblvr$100.00$100.0012/28/2009 10:38:07 AM
larrybird$100.00$100.0012/28/2009 10:38:54 AM
thedoctor$90.00$90.0012/28/2009 10:36:20 AM
docktah$50.00$50.0012/28/2009 10:39:28 AM
UT-Longhorn$25.00$25.0012/28/2009 10:37:30 AM
adir1$25.00$25.0012/28/2009 10:37:34 AM
julijask$25.00$25.0012/28/2009 10:40:38 AM
Railbird$25.00$25.0012/28/2009 10:41:05 AM
secundus$25.00$25.0012/28/2009 10:38:40 AM
winlender$25.00$25.0012/28/2009 10:41:18 AM
skiingawfs$25.00$25.0012/28/2009 10:39:22 AM
blukestrel$25.00$25.0012/28/2009 10:40:05 AM
portfolio-zone801$25.00$25.0012/28/2009 10:41:14 AM
japper2353$25.00$25.0012/28/2009 10:45:44 AM
AmericanCredit$25.00$25.0012/28/2009 10:45:50 AM
sas19$25.00$25.0012/28/2009 10:46:15 AM
dontscrewmeover1$50.00$50.0012/28/2009 6:33:34 PM
Syzygy$25.00$25.0012/28/2009 6:40:23 PM
ralf206$60.00$60.0012/28/2009 10:12:13 PM
the-profit-oracle$25.00$25.0012/29/2009 10:56:22 AM
WeshaTheLeopard$25.00$25.0012/29/2009 11:59:34 AM
springpanda$25.00$25.0012/29/2009 2:19:56 PM
Steveoo1$100.00$100.0012/29/2009 9:49:49 PM
balance-chestnut$50.00$50.0012/30/2009 7:57:24 AM
mavenhaven$50.00$50.0012/30/2009 11:13:10 AM
rapid-currency$25.00$25.0012/30/2009 3:03:27 PM
blindtaxidriver$25.00$25.0012/31/2009 6:25:51 AM
Personal-Bond$30.11$30.1112/31/2009 12:25:54 PM
gpuck$25.00$25.0012/31/2009 2:55:17 PM
durability-halibut$25.00$25.001/1/2010 10:23:22 AM
raccoon123$50.00$50.001/1/2010 5:19:29 AM
Richmp412$25.00$25.001/1/2010 7:41:38 AM
Cherrypicker$50.00$50.001/1/2010 2:14:58 PM
97 bids
 
Borrower Payment Dependent Notes Series 439550
This series of Notes was issued and sold upon the funding of the borrower loan #40324, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $301.94
Final lender yield: 26.00% Final borrower rate/APR: 27.00% / 29.33% Final monthly payment: $285.78
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.35%  
<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: Mar-1996 Debt/Income ratio: 33%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:13y 6m
Amount delinquent: $0 Revolving credit balance: $3,007 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: first-special-capital Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt to have one payment
Purpose of loan:
This loan will be used to?pay off? debt to have one payment.

My financial situation:
I am a good candidate for this loan because?I pay everything on time and pay extra for each payment. I'm very reliable and responsible and make no mistake my finances are very important to me. I make it a priority to make sure all finances are up to date each and every week. My credit score means everything to me and I make sure it remains excellent shape.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
copper$30.00$30.0012/28/2009 10:28:40 AM
falcon88dp$25.00$25.0012/28/2009 10:28:45 AM
zento$25.00$25.0012/28/2009 10:35:09 AM
wwwUniversal$25.00$25.0012/28/2009 10:44:58 AM
RedCentre$200.00$200.0012/28/2009 4:07:01 PM
mottuman$25.00$25.0012/28/2009 6:53:17 PM
callmebryan$25.00$25.0012/28/2009 9:25:41 PM
JustMee$25.00$25.0012/28/2009 9:36:54 PM
Peacepower$30.00$30.0012/29/2009 4:43:20 AM
BuckeyeTap$90.00$90.0012/29/2009 5:53:20 AM
integrity-doctor$50.00$50.0012/29/2009 6:55:48 AM
piter-to-la-investment$25.00$25.0012/29/2009 10:05:47 AM
charming-point$250.00$250.0012/29/2009 12:20:28 PM
investment-party$30.00$30.0012/29/2009 12:38:37 PM
czar3$25.00$25.0012/29/2009 3:43:37 PM
professional-finance$25.00$25.0012/29/2009 1:50:38 PM
THEREALESTATEGUY$30.00$30.0012/29/2009 3:03:31 PM
TaoPooh$25.00$25.0012/29/2009 5:10:24 PM
SmartConsolidation$25.00$25.0012/29/2009 5:18:39 PM
red-ready-principal$100.00$32.2212/29/2009 7:31:48 PM
coin-investor$25.00$25.0012/29/2009 11:40:26 PM
vivacious-p2p3$50.00$50.0012/30/2009 5:06:47 AM
JGuide$25.00$25.0012/30/2009 8:49:13 AM
buffalobills$25.00$25.0012/30/2009 1:34:32 PM
nalaari$50.00$50.0012/30/2009 1:25:03 PM
FASTIZIO_P$33.33$33.3312/30/2009 3:02:33 PM
dorypro$25.00$25.0012/30/2009 4:44:38 PM
p2p-gala$45.55$45.5512/30/2009 6:44:15 PM
jcw3rd$25.00$25.0012/30/2009 5:54:07 PM
Peterman$100.00$100.0012/31/2009 7:14:33 AM
rahnside$29.30$29.3012/31/2009 1:26:17 AM
sharp518$25.00$25.0012/31/2009 8:46:26 AM
kendigme$39.53$39.5312/31/2009 10:55:47 AM
ChrisKwan$25.00$25.0012/31/2009 11:53:11 AM
lenderinnevada$40.00$40.0012/31/2009 1:33:40 PM
principal-star$25.00$25.0012/31/2009 5:55:06 PM
Trondheim_Norway$100.00$100.0012/31/2009 9:13:23 PM
People-for-people$30.00$30.0012/31/2009 8:23:15 PM
mrpowers5531$25.00$25.001/1/2010 12:06:28 PM
Ricajote$25.00$25.001/1/2010 4:54:15 AM
FinanceEngine$25.00$25.001/1/2010 11:14:31 AM
PotBellyPete$25.00$25.001/1/2010 11:30:43 AM
nsx91$25.64$25.641/1/2010 2:58:24 PM
vest_vortex$25.00$25.001/1/2010 11:59:12 AM
what_goes_around$100.00$100.001/2/2010 5:28:23 AM
intuitive-bill$25.00$25.001/2/2010 9:47:35 AM
TMac$25.00$25.001/2/2010 10:50:44 AM
Leshan$50.00$50.001/2/2010 7:04:37 AM
mistifilio$25.00$25.001/1/2010 10:20:14 PM
ValyaLibra01$100.00$100.001/2/2010 5:02:56 PM
BUCS$25.00$25.001/2/2010 6:51:15 PM
cognizant-rate732$100.00$100.001/3/2010 8:18:34 AM
Astyanax$25.00$25.001/2/2010 9:07:30 PM
dime-neutron$25.00$25.001/3/2010 3:01:19 AM
BuckeyeGuy$25.00$25.001/3/2010 4:13:13 PM
loss-of-control$25.00$25.001/3/2010 11:03:42 AM
Top_Gun_Lender$26.00$26.001/3/2010 6:26:41 PM
Dover$25.00$25.001/3/2010 4:27:40 PM
AM2008$25.00$25.001/3/2010 5:17:10 PM
thomas16882004$50.00$50.001/3/2010 7:49:59 PM
Kash2010lu$25.00$25.001/3/2010 1:37:50 PM
ali82$25.00$25.001/3/2010 4:09:46 PM
deepblue34$40.00$40.001/3/2010 6:05:31 PM
DMKAssetManagement$28.18$28.181/3/2010 7:42:16 PM
unger$50.00$50.001/4/2010 2:20:27 AM
Loan_shark718$25.00$25.001/4/2010 4:39:38 AM
wealth-comet694$30.00$30.001/4/2010 5:36:57 AM
exciting-fairness$200.00$200.001/4/2010 8:28:33 AM
lend42013$29.41$29.411/4/2010 7:12:42 AM
leverage-monger$25.00$25.001/4/2010 9:01:43 AM
relentless-gain3$25.00$25.001/4/2010 9:07:38 AM
exchange-cowbell5$150.00$150.001/4/2010 8:48:51 AM
FinanceEngine$25.00$25.001/4/2010 8:44:24 AM
EL_Papin$50.00$50.001/4/2010 9:14:33 AM
SFBank$200.00$200.0012/28/2009 9:39:35 AM
Bob450$25.00$25.0012/28/2009 10:30:20 AM
d_grbg$25.00$25.0012/28/2009 10:46:02 AM
Jorgef741$50.00$50.0012/28/2009 10:44:56 AM
Ven58$25.00$25.0012/28/2009 10:57:07 AM
UCLA4life$25.00$25.0012/28/2009 11:14:18 AM
mercuriant$25.00$25.0012/28/2009 4:05:23 PM
jjsparks28$29.05$29.0512/28/2009 4:32:23 PM
impala6464$100.00$100.0012/28/2009 6:55:27 PM
finance-vault$25.00$25.0012/28/2009 7:35:07 PM
SolarMoonshine$50.00$50.0012/28/2009 6:07:06 PM
MarcusJames04$25.00$25.0012/29/2009 8:22:17 AM
David_M$40.71$40.7112/29/2009 7:39:44 AM
vine99$100.00$100.0012/29/2009 11:06:30 AM
investment-daydream$51.47$51.4712/29/2009 11:15:47 AM
charming-point$50.00$50.0012/29/2009 12:25:08 PM
wildguy$25.00$25.0012/29/2009 11:47:46 AM
COCHINOBOY$43.63$43.6312/29/2009 11:51:45 AM
scottysidewinder$51.76$51.7612/29/2009 2:28:41 PM
Galdis$25.00$25.0012/29/2009 3:14:02 PM
slick8812$25.00$25.0012/29/2009 5:49:08 PM
penny-surgeon$25.00$25.0012/29/2009 6:09:42 PM
highyield$100.00$100.0012/29/2009 7:49:56 PM
eyeofaneedle$25.00$25.0012/29/2009 9:40:09 PM
CatbirdBanking$25.00$25.0012/29/2009 8:08:27 PM
Digs$25.00$25.0012/30/2009 9:47:39 AM
MrLeft$50.00$50.0012/30/2009 12:46:33 PM
rapid-currency$25.00$25.0012/30/2009 3:05:06 PM
BrianCU15$50.00$50.0012/30/2009 3:09:12 PM
yu-rik$100.00$100.0012/30/2009 1:17:32 PM
irishlaw$25.00$25.0012/30/2009 3:34:06 PM
truth-fanatic$25.00$25.0012/30/2009 6:32:26 PM
bball_bandit$25.00$25.0012/30/2009 7:14:32 PM
a-finance-nirvana$59.74$59.7412/30/2009 8:18:23 PM
mustang9935$25.00$25.0012/31/2009 5:35:39 AM
Hokies$25.00$25.0012/31/2009 6:03:24 AM
b1geasy$25.00$25.0012/31/2009 10:55:04 AM
newgroom422$25.00$25.0012/31/2009 9:58:21 AM
bankojerry$25.00$25.0012/31/2009 11:40:17 AM
mlj0671$25.00$25.0012/31/2009 1:21:04 PM
freedom3$442.07$442.0712/31/2009 3:21:49 PM
Spraydawg$200.00$200.0012/31/2009 3:32:29 PM
sigep787$25.00$25.0012/31/2009 5:52:40 PM
leverage-monger$25.00$25.001/1/2010 10:00:21 AM
foothillender$25.00$25.001/1/2010 7:50:55 AM
eretro$50.94$50.941/1/2010 7:58:43 AM
jtoms101$25.00$25.001/1/2010 12:35:45 PM
upbeat-wealth$25.00$25.001/1/2010 2:35:42 PM
sturdy-peace9$55.00$55.001/1/2010 2:19:18 PM
upbeat-marketplace$25.00$25.001/1/2010 2:55:38 PM
Vans1975$36.00$36.001/2/2010 7:37:33 AM
podosphero$27.87$27.871/2/2010 11:52:42 AM
rospa$25.00$25.001/2/2010 12:40:03 PM
pmj453$25.00$25.001/2/2010 7:19:40 AM
phchristensen$50.00$50.001/2/2010 2:01:23 PM
Catz_aplenty$25.00$25.001/2/2010 5:48:21 AM
The-CAPS-fan$50.00$50.001/2/2010 1:33:03 PM
vest_vortex$25.00$25.001/2/2010 1:31:19 PM
squarebob$25.00$25.001/3/2010 9:03:43 AM
E-B$50.00$50.001/3/2010 3:31:36 AM
edts13$100.00$100.001/3/2010 3:11:12 PM
TicTac$50.00$50.001/3/2010 2:29:56 PM
hidavehi$25.00$25.001/3/2010 7:21:44 PM
jtc26$25.00$25.001/3/2010 12:03:38 PM
icon7$25.00$25.001/3/2010 6:57:22 PM
COCHINOBOY$25.00$25.001/3/2010 8:03:48 PM
sainswor99$25.00$25.001/3/2010 8:31:56 PM
ghinga$25.00$25.001/3/2010 7:41:07 PM
Gaelicman$100.00$100.001/4/2010 12:12:33 AM
GInBaghdad$25.00$25.001/4/2010 7:16:04 AM
patriot384$25.00$25.001/4/2010 7:20:43 AM
wealth-comet694$30.00$30.001/4/2010 5:37:11 AM
fairgirl$25.00$25.001/4/2010 5:11:37 AM
rakey$25.00$25.001/4/2010 6:06:41 AM
intrepid-transaction5$25.00$25.001/4/2010 8:33:53 AM
UBOtto186$42.60$42.601/4/2010 8:54:00 AM
credit-coach118$25.00$25.001/4/2010 8:22:11 AM
benefit-flow$100.00$100.001/4/2010 8:56:44 AM
capital-lesson$25.00$25.001/4/2010 9:03:18 AM
153 bids
 
Borrower Payment Dependent Notes Series 439586
This series of Notes was issued and sold upon the funding of the borrower loan #40306, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Dec-23-2009 
  Auction end date:  Dec-30-2009 
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $315.68
Final lender yield: 7.45% Final borrower rate/APR: 8.45% / 8.79% Final monthly payment: $315.44
 
Auction yield range: 3.20% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.95%  
<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: Nov-1993 Debt/Income ratio: 4%
Credit score: 840-859 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:7y 5m
Amount delinquent: $0 Revolving credit balance: $508 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: leverage-plasma Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
To fund Engagement RIng
Purpose of loan:
This loan will be used to buy an engagement ring for my girl friend.? We have been dating for over 3 years.? I will propose to her this New Years.

My financial situation:
I am a good candidate for this loan because I have a regular pay check and will be able to make monthly payments.? I have been employed at the same company since 2002 and am a senior engineer.? My position is stable and very sought after by my companies competitors.? I have stock and 401K holdings that I can use to supplement my earnings.? The reason I'm asking for a loan is that I do not want to tie all my free cash to the ring as I will be paying for the wedding as well.
Thanks for your consideration.

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why not use financing from a jewelery store? Do you really want to be paying for the engagement ring when you're married? - CaribbeanBanker
A: Hi, Thank you for your interest. The Jewelery Store financing rate is too high for my taste. I'm not willing to pay a high interest rate as I'm not desperate for the financing. I would rather not put all cash towards the ring. The idea is that for the right finance rate, I would rather have my money working instead of tied to the ring. Regards... (Dec-27-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MitchD$25.00$25.0012/23/2009 9:47:56 AM
lowcostmoney$25.00$25.0012/23/2009 9:48:17 AM
worth-quark$25.00$25.0012/23/2009 9:47:55 AM
bike43$25.00$25.0012/23/2009 9:48:19 AM
Rob717171$25.00$25.0012/23/2009 9:56:28 AM
honorable-yield$75.00$75.0012/23/2009 10:02:04 AM
kvandivo$25.00$25.0012/23/2009 10:02:21 AM
fcukciti$25.00$25.0012/23/2009 10:02:45 AM
Castellan$25.00$25.0012/23/2009 10:02:51 AM
Ranch88$25.00$25.0012/23/2009 10:03:14 AM
elevated-platinum5$25.00$25.0012/23/2009 10:03:18 AM
credit-investor5$100.00$100.0012/23/2009 10:03:22 AM
personal-lender$25.00$25.0012/23/2009 10:03:28 AM
Flatfoot$50.00$50.0012/23/2009 9:48:01 AM
jsw7us$50.00$50.0012/23/2009 9:48:07 AM
HeavyDriver03$25.00$25.0012/23/2009 9:48:13 AM
greenwell$50.00$50.0012/23/2009 10:02:09 AM
galtsgulch$25.00$25.0012/23/2009 9:48:30 AM
elegant-income3$25.00$25.0012/23/2009 10:02:18 AM
Carpetkid$50.00$50.0012/23/2009 10:02:34 AM
dedicated-velocity3$25.00$25.0012/23/2009 10:02:41 AM
lucrative-worth$25.00$25.0012/23/2009 10:03:06 AM
18th_beachbum$25.00$25.0012/23/2009 10:03:09 AM
Steveoo1$50.00$34.9612/23/2009 10:03:40 AM
OCLend$25.00$25.0012/23/2009 10:19:00 AM
Tc11902$50.00$50.0012/23/2009 10:10:22 AM
Musicman1950$25.00$25.0012/23/2009 10:02:31 AM
skillful-diversification2$25.00$25.0012/23/2009 10:03:01 AM
ljay$25.00$25.0012/23/2009 10:03:37 AM
jybank$50.00$50.0012/23/2009 10:21:23 AM
EmeritusX$25.00$25.0012/23/2009 12:26:52 PM
bonus-adventure3$25.00$25.0012/23/2009 3:20:34 PM
cognizant-rate732$80.00$80.0012/23/2009 6:20:40 PM
billnsc$25.00$25.0012/24/2009 7:24:49 AM
Aristophil$100.00$100.0012/24/2009 8:51:28 AM
lonix$25.00$25.0012/24/2009 6:20:31 PM
squarebob$25.00$25.0012/27/2009 12:21:31 PM
JCMC$25.00$25.0012/27/2009 11:04:29 AM
vine99$150.00$150.0012/27/2009 5:33:08 PM
the-profit-oracle$25.00$25.0012/28/2009 7:37:43 AM
receptive-leverage$100.00$100.0012/28/2009 8:00:34 AM
FundMaker$25.00$25.0012/28/2009 10:49:01 AM
justice-hawk$25.00$25.0012/28/2009 8:16:23 PM
stock_speculator$25.00$25.0012/29/2009 10:37:45 AM
iruz$34.64$34.6412/29/2009 10:22:49 AM
momentous-transaction8$100.00$100.0012/29/2009 10:40:23 AM
Digs$25.00$25.0012/29/2009 10:37:24 AM
zx12rider$39.36$39.3612/29/2009 11:41:29 AM
klinebarger$25.00$25.0012/29/2009 2:09:10 PM
IceFisherman$25.71$25.7112/29/2009 5:10:32 PM
gsd$25.00$25.0012/29/2009 5:24:35 PM
BicyclePostLendingDivision$38.14$38.1412/29/2009 6:29:56 PM
friendinmoney$25.00$25.0012/29/2009 6:47:13 PM
CCIExpress$25.00$25.0012/29/2009 8:13:14 PM
wise-balanced-moola$25.00$25.0012/29/2009 8:43:56 PM
COtheBeast$25.00$25.0012/29/2009 9:53:19 PM
generous-deal6$50.00$50.0012/30/2009 1:36:37 AM
peaceful-cash5$25.60$25.6012/30/2009 6:05:45 AM
whittlesey31$25.00$25.0012/30/2009 4:49:24 AM
northphoto$31.36$31.3612/30/2009 7:56:38 AM
skillful-asset5$75.00$75.0012/30/2009 9:22:30 AM
socal-lender$25.00$25.0012/30/2009 9:38:13 AM
Leopoldine$29.70$29.7012/30/2009 8:36:37 AM
grampy48$25.00$25.0012/30/2009 8:57:36 AM
spectacle979$25.00$25.0012/30/2009 9:42:39 AM
Rilman$50.00$50.0012/30/2009 9:42:51 AM
StocksMan$50.00$50.0012/30/2009 9:43:32 AM
dal_usa$25.00$25.0012/23/2009 9:48:22 AM
contract-voltage$25.00$25.0012/23/2009 9:47:52 AM
LynJohn1023$25.00$25.0012/23/2009 9:48:05 AM
BMGlending$25.00$25.0012/23/2009 9:48:35 AM
TigerForce$25.00$25.0012/23/2009 10:03:13 AM
Taxman44$25.00$25.0012/23/2009 10:03:30 AM
elasermd$50.00$50.0012/23/2009 9:46:10 AM
the-precious-bid$25.00$25.0012/23/2009 9:47:53 AM
Picopie$50.00$50.0012/23/2009 10:02:10 AM
lean-velocity$25.00$25.0012/23/2009 10:02:25 AM
aasx1108$25.00$25.0012/23/2009 10:02:38 AM
diplomatic-point4$75.00$75.0012/23/2009 10:02:53 AM
jbaum$100.00$100.0012/23/2009 10:02:57 AM
lloyd_s$25.00$25.0012/23/2009 10:03:23 AM
first-upright-payout$50.00$50.0012/23/2009 10:03:34 AM
cash-sensai2$25.00$25.0012/23/2009 10:05:09 AM
kenji4861$25.00$25.0012/23/2009 9:56:30 AM
freesia54$25.00$25.0012/23/2009 10:02:14 AM
ArashMass$30.00$30.0012/23/2009 10:18:19 AM
Guiren$100.00$100.0012/23/2009 10:09:38 AM
Ven58$25.00$25.0012/23/2009 10:11:57 AM
wwwUniversal$25.00$25.0012/23/2009 2:07:07 PM
blot44$50.00$50.0012/23/2009 3:51:23 PM
MoneyForNothing$25.00$25.0012/23/2009 5:40:52 PM
GeoLender$25.00$25.0012/23/2009 6:07:28 PM
Syzygy$25.00$25.0012/23/2009 7:29:57 PM
e3oM$50.00$50.0012/23/2009 9:36:51 PM
vine99$100.00$100.0012/24/2009 9:39:21 AM
dontscrewmeover1$50.00$50.0012/24/2009 6:02:57 PM
glimmering-credit4$25.00$25.0012/24/2009 10:46:44 PM
springpanda$25.00$25.0012/25/2009 12:50:20 AM
outofoffice$50.00$50.0012/27/2009 11:51:09 AM
microlendblvr$100.00$100.0012/28/2009 5:19:31 AM
calbertrand$300.00$300.0012/28/2009 10:59:34 AM
Jarod213$25.00$25.0012/28/2009 10:57:56 PM
upstate$25.00$25.0012/29/2009 9:53:52 AM
gothampark$25.00$25.0012/29/2009 1:09:52 PM
truth-candy$25.00$25.0012/29/2009 12:00:57 PM
rce1964$25.00$25.0012/29/2009 11:37:55 AM
nimcha$50.00$50.0012/29/2009 2:41:31 PM
dbs$50.00$50.0012/29/2009 4:02:22 PM
Dollars4Rent$25.00$25.0012/29/2009 5:14:34 PM
credit-observatory$25.00$25.0012/29/2009 4:37:39 PM
bruin558$50.00$50.0012/29/2009 5:24:23 PM
SteadyOne$25.00$25.0012/29/2009 6:08:26 PM
kosaru$25.00$25.0012/29/2009 10:11:21 PM
self-reliant-integrity0$75.00$75.0012/29/2009 10:04:54 PM
Shecdog$5,004.78$5,004.7812/30/2009 6:29:35 AM
manny00$65.75$65.7512/29/2009 9:47:06 PM
Goodlender42$50.00$50.0012/30/2009 7:07:33 AM
orbital-gain$50.00$50.0012/30/2009 5:59:52 AM
atlas100$25.00$25.0012/30/2009 7:55:46 AM
rate-hickory$25.00$25.0012/30/2009 7:22:36 AM
AF-Chief$35.00$35.0012/30/2009 8:28:38 AM
The-CAPS-fan$75.00$75.0012/30/2009 8:54:44 AM
sgmm330$25.00$25.0012/30/2009 8:38:51 AM
123 bids
 
Borrower Payment Dependent Notes Series 439732
This series of Notes was issued and sold upon the funding of the borrower loan #40321, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 22.14% Starting borrower rate/APR: 23.14% / 25.42% Starting monthly payment: $135.74
Final lender yield: 22.14% Final borrower rate/APR: 23.14% / 25.42% Final monthly payment: $135.74
 
Auction yield range: 8.20% - 22.14% Estimated loss impact: 7.02%  
Lender servicing fee: 1.00% Estimated return: 15.12%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Feb-1985 Debt/Income ratio: 36%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 30 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 64Length of status:23y 11m
Amount delinquent: $0 Revolving credit balance: $238,962 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: hfpinc Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
660-679 (Nov-2009)
660-679 (Aug-2009)
660-679 (Jul-2009)
660-679 (May-2008)
 
Principal balance: $3,959.39 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
New Kitchen counter tops
Purpose of loan:
This loan will be used to? Kitchen upgrade.

My financial situation:
I am a good candidate for this loan because? although I have high credit utilization I would be a good candidate?because I manage my debt very well. I am also looking at a possible pay increase in the coming year which would provide additional income to pay down debt.

Monthly net income: $
12000.00
Monthly expenses: $
??Housing: $ 4000.00
??Insurance: $ 300.00
??Car expenses: $ 340.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 1500.00
??Clothing, household expenses $
??Credit cards and other loans: $2000.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loyalist1$25.00$25.0012/28/2009 9:53:52 AM
caseattle$25.00$25.0012/28/2009 10:55:33 AM
five-star-note$44.40$44.4012/28/2009 12:45:39 PM
hellasow$25.00$25.0012/29/2009 5:09:49 AM
helping-out$40.00$40.0012/29/2009 5:12:32 PM
tnjohnso$25.00$25.0012/29/2009 5:24:19 PM
lender12345$25.00$25.0012/29/2009 9:01:25 PM
best-generosity-financier$25.00$25.0012/30/2009 12:48:00 AM
boredlv$25.00$25.0012/30/2009 9:49:54 AM
Skeptical-one$150.00$150.0012/30/2009 10:36:07 AM
exchange-cowbell5$150.00$150.0012/30/2009 3:06:47 PM
lively-exchange$25.00$25.0012/31/2009 9:59:21 AM
LarWit1512$25.00$25.0012/31/2009 12:01:14 PM
glimmering-credit4$25.00$25.0012/31/2009 1:55:39 PM
Johnab$50.00$50.0012/31/2009 6:19:29 PM
dorypro$25.00$25.001/1/2010 9:22:27 AM
dorypro$25.00$25.001/1/2010 9:21:26 AM
IASKGOD$25.00$25.001/1/2010 3:49:12 PM
giu$25.00$25.001/2/2010 1:08:03 AM
alpinaut$25.00$25.001/2/2010 6:34:50 AM
CatbirdBanking$25.00$25.001/2/2010 8:05:28 AM
Bobafet$25.00$25.001/2/2010 3:12:02 PM
Tomco$25.00$25.001/2/2010 11:45:57 AM
Top_Gun_Lender$36.34$36.341/3/2010 12:56:14 AM
Wachocia$25.00$25.001/3/2010 2:31:55 PM
lender12345$100.00$100.001/3/2010 8:15:12 PM
KDW08$31.82$31.821/3/2010 6:54:20 PM
UBOtto186$75.00$75.001/3/2010 11:11:57 PM
bondhedger$25.00$25.001/3/2010 11:15:41 PM
squarebob$25.00$25.001/4/2010 8:18:37 AM
benefit-flow$50.00$50.001/4/2010 9:03:02 AM
exciting-fairness$200.00$200.001/4/2010 8:53:29 AM
JJ-Loans$50.00$50.001/4/2010 8:35:02 AM
red-favorable-basis$25.00$25.001/4/2010 8:58:36 AM
goodhearted-basis4$25.00$25.001/4/2010 9:09:08 AM
Tc11902$25.00$25.0012/28/2009 10:26:03 AM
Bob450$50.00$50.0012/28/2009 11:06:25 PM
mmrothsc$50.00$50.0012/29/2009 12:36:13 PM
three-for-6$86.25$86.2512/30/2009 3:41:58 PM
dorypro$25.00$25.0012/30/2009 4:49:44 PM
glazeddonuts$25.00$25.0012/30/2009 8:24:56 PM
JGuide$100.00$100.0012/30/2009 11:18:50 PM
A007$47.75$47.7512/31/2009 9:49:21 AM
money-washboard$100.00$100.0012/31/2009 11:11:49 AM
cash-game-changer$40.67$40.6712/31/2009 3:10:51 PM
Imaginos1892$50.00$50.0012/31/2009 8:34:42 PM
Satur$50.00$50.0012/31/2009 11:50:26 PM
1-HARD-HEAD$50.00$50.001/1/2010 7:21:56 AM
Kash2010lu$25.00$25.001/1/2010 8:13:55 AM
vest_vortex$25.00$25.001/1/2010 12:02:20 PM
best-generosity-financier$25.00$25.001/1/2010 1:23:01 PM
leverage-monger$25.00$25.001/1/2010 10:14:08 AM
rick4734$50.00$50.001/2/2010 9:04:45 AM
piter-to-la-investment$25.00$25.001/2/2010 12:46:21 PM
best-generosity-financier$25.00$20.781/2/2010 10:19:13 AM
lamcat2000$50.00$50.001/2/2010 11:45:42 AM
the-silver-blaster$75.00$75.001/2/2010 5:24:36 PM
penny-surgeon$25.00$25.001/2/2010 1:30:41 PM
GInBaghdad$25.00$25.001/2/2010 10:15:58 AM
Ven58$25.00$25.001/2/2010 11:47:06 AM
Leshan$100.00$100.001/3/2010 6:27:56 AM
kjb1971$25.00$25.001/3/2010 1:41:37 AM
Bank_Of_XL$25.00$25.001/3/2010 11:07:00 AM
loss-of-control$25.00$25.001/3/2010 11:05:45 AM
squarebob$25.00$25.001/3/2010 9:09:11 AM
deepblue34$25.00$25.001/3/2010 6:06:30 PM
zone6$107.61$107.611/3/2010 3:59:49 PM
RobinHood$75.00$75.001/3/2010 5:28:21 PM
_SCI_$25.00$25.001/3/2010 1:52:35 PM
finance-vault$25.00$25.001/3/2010 7:16:20 PM
_SCI_$25.00$25.001/4/2010 6:10:53 AM
a-resplendent-commitment$25.00$25.001/4/2010 6:53:17 AM
OldManP$25.00$25.001/3/2010 9:46:26 PM
GeoLender$25.00$25.001/4/2010 5:51:09 AM
wild-orange$25.00$25.001/4/2010 6:02:27 AM
head$25.00$25.001/4/2010 6:55:15 AM
LendingPimp$50.00$50.001/3/2010 11:53:44 PM
grnii78$42.97$42.971/4/2010 2:32:33 AM
steady-dime$100.00$100.001/4/2010 9:05:22 AM
squarebob$25.00$25.001/4/2010 8:18:56 AM
Orion7$26.41$26.411/4/2010 9:12:04 AM
81 bids
 
Borrower Payment Dependent Notes Series 439804
This series of Notes was issued and sold upon the funding of the borrower loan #40318, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 14.50% Starting borrower rate/APR: 15.50% / 17.68% Starting monthly payment: $122.19
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $114.59
 
Auction yield range: 4.20% - 14.50% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
<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: May-1992 Debt/Income ratio: 35%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 27 / 25Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 49Length of status:24y 0m
Amount delinquent: $0 Revolving credit balance: $50,506 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: euro-washboard Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help me..I only need $3500
Purpose of loan:
This loan will be used to pay off my retirement loan, so I can borrow from it again?in 60 days?and pay?my credit card debt?

My financial situation:
I?am a good candidate for this loan because as you can see I pay my bills!!!!? I need only $3500 to pay off my existing loan borrowed from my retirement,but the banks won't give me such a small loan to help me do this. due to my debt to income ratio being so high.??THANKS!!?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glimmering-credit4$25.00$25.0012/28/2009 11:00:46 AM
helping-out$40.00$40.0012/28/2009 11:15:36 AM
DrNano$50.00$50.0012/28/2009 4:42:02 PM
wonderous-power$25.00$25.0012/29/2009 1:35:34 AM
psalms6612$25.00$25.0012/29/2009 8:00:15 AM
timtheman1$100.00$100.0012/29/2009 8:38:59 AM
Havnfun$25.00$25.0012/29/2009 10:29:55 AM
charitycoon$100.00$100.0012/29/2009 1:09:59 PM
microlendblvr$100.00$100.0012/30/2009 7:51:01 AM
gilbrear$25.00$25.0012/30/2009 4:26:43 PM
NewOpportunitiesNewLife$25.00$25.0012/30/2009 9:01:22 PM
dime-neutron$25.00$25.0012/31/2009 3:15:49 AM
flshdaskll$25.00$25.0012/30/2009 9:21:02 PM
niteflite$30.03$30.0312/31/2009 10:26:36 AM
juxtapose$25.00$25.0012/31/2009 9:24:42 AM
rmpedi33$100.00$100.0012/31/2009 12:54:15 PM
jcw3rd$25.00$25.0012/31/2009 10:57:28 PM
raccoon123$50.00$50.001/1/2010 5:24:17 AM
RandyL3$25.00$25.0012/31/2009 8:52:01 PM
rockhound84$25.00$25.001/1/2010 11:48:57 AM
DebDesert$25.00$25.001/1/2010 10:15:29 AM
IASKGOD$25.00$25.001/1/2010 3:37:33 PM
bossyboots01$25.00$25.001/2/2010 5:49:44 AM
serene-capital$25.00$25.001/1/2010 3:19:07 PM
zento$25.00$25.001/2/2010 11:55:57 AM
b1geasy$35.00$35.001/2/2010 6:05:44 PM
Rackmaster32$25.00$25.001/2/2010 1:35:47 PM
doc1$100.00$100.001/2/2010 8:41:07 PM
ValyaLibra01$50.00$50.001/2/2010 5:14:11 PM
plbquic$25.00$25.001/2/2010 7:22:36 PM
WilliamLeeSims$25.00$25.001/2/2010 9:06:35 PM
justin323$25.00$25.001/3/2010 6:31:02 PM
CommerciaLender$50.00$50.001/3/2010 2:31:25 PM
Charmart$25.00$25.001/4/2010 2:30:51 AM
jybank$25.00$25.001/3/2010 6:40:28 PM
durability-halibut$25.00$25.001/4/2010 8:49:13 AM
crw1950$50.00$50.001/4/2010 7:44:56 AM
leverage-monger$25.00$25.001/4/2010 9:03:27 AM
patriot384$200.00$200.001/4/2010 8:35:20 AM
leverage-monger$25.00$25.001/4/2010 7:58:49 AM
Marco83$38.00$38.001/4/2010 8:03:28 AM
PRGuyinVA$25.00$25.001/4/2010 8:42:24 AM
bondhedger$25.00$25.001/4/2010 9:07:21 AM
dorypro$25.00$25.001/4/2010 9:08:22 AM
bornsucka$25.00$25.0012/28/2009 9:22:15 AM
Tc11902$50.00$50.0012/28/2009 11:00:31 AM
Ven58$25.00$25.0012/28/2009 4:34:34 PM
admirable-credit$25.00$25.0012/29/2009 1:00:17 AM
miket71$100.00$100.0012/29/2009 1:04:58 AM
jakespirit$25.00$25.0012/29/2009 1:08:29 AM
hellasow$25.00$25.0012/29/2009 5:40:27 AM
Montgomery-Burns$25.00$25.0012/29/2009 7:36:48 AM
singletrck$25.00$25.0012/29/2009 8:13:12 AM
savedollarinc$25.00$25.0012/29/2009 9:05:12 AM
Syzygy$25.00$25.0012/29/2009 4:17:12 PM
Goodlender42$100.00$100.0012/30/2009 7:15:19 AM
JFalcon$50.00$50.0012/30/2009 4:10:16 AM
hebergee$25.00$25.0012/30/2009 6:13:17 AM
w8291$25.00$25.0012/30/2009 7:57:27 AM
benevolent-capital1$50.00$50.0012/30/2009 8:33:09 AM
billnsc$25.00$25.0012/30/2009 4:44:11 PM
GBlack$25.00$25.0012/30/2009 11:41:39 PM
JRELoan$34.88$34.8812/31/2009 12:25:43 AM
orbiter614$61.58$61.5812/31/2009 9:41:25 AM
lenderinnevada$50.00$50.0012/31/2009 1:34:25 PM
medkoder$25.00$25.0012/31/2009 2:46:28 PM
exchange-cowbell5$25.00$25.0012/31/2009 3:29:53 PM
AtmaSingshu$25.00$25.001/1/2010 5:22:37 AM
RedRockLLC$25.00$25.001/1/2010 6:18:28 AM
PotBellyPete$25.00$25.001/1/2010 11:31:53 AM
NorthlandAlchemist$25.00$25.001/1/2010 8:37:02 AM
cutter21$25.00$25.001/1/2010 7:49:48 PM
crazybunga$25.00$25.001/2/2010 10:20:55 AM
AustinAmerica$25.00$25.001/2/2010 11:02:15 AM
piter-to-la-investment$25.00$25.001/2/2010 12:49:13 PM
bejfishing$25.00$25.001/2/2010 7:02:33 PM
taylodo$38.00$38.001/2/2010 4:40:20 PM
rockhound84$25.00$25.001/3/2010 4:49:54 AM
Leshan$25.00$25.001/3/2010 6:30:24 AM
freefly67$27.71$27.711/3/2010 12:39:44 PM
GradEcon$42.55$42.551/2/2010 10:29:24 PM
dmitriy2$25.00$25.001/3/2010 11:10:51 AM
one-midas$50.00$50.001/3/2010 9:57:40 AM
BuckeyeGuy$25.00$25.001/3/2010 4:13:45 PM
d_grbg$25.00$25.001/3/2010 4:43:51 PM
eprometheus$64.00$64.001/3/2010 5:43:16 PM
bonus-adventure3$50.00$38.251/3/2010 11:51:28 PM
wild-orange$25.00$25.001/4/2010 6:04:36 AM
maplehouse$25.00$25.001/4/2010 8:13:35 AM
gustavholstopus32$25.00$25.001/4/2010 4:24:11 AM
amit_gu$50.00$50.001/4/2010 7:12:09 AM
TBCapitol$50.00$50.001/4/2010 8:13:49 AM
fund-fox4$25.00$25.001/4/2010 9:12:45 AM
93 bids
 
Borrower Payment Dependent Notes Series 440008
This series of Notes was issued and sold upon the funding of the borrower loan #40312, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-02-2010 
 
Starting lender yield: 27.46% Starting borrower rate/APR: 28.46% / 30.82% Starting monthly payment: $166.45
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $162.02
 
Auction yield range: 11.20% - 27.46% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.77%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Aug-1994 Debt/Income ratio: 31%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 12 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:5y 5m
Amount delinquent: $0 Revolving credit balance: $7,388 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 68%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: auction-tamer Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my cards
Purpose of loan:
This loan will be used to pay off credit cards before the birth of my baby girl. It would be a huge help to get rid of the high rates before she arrives.?

My financial situation:
I am a good candidate for this loan because i am an extremely hard worker and i work overtime every chance i get. There just has not been much this last year because of the economic condition.Everyones help will be greatly appreciated?

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
yeti888$25.00$25.0012/28/2009 9:27:56 AM
treasure-bliss$100.00$100.0012/28/2009 9:28:02 AM
miked8303$25.00$25.0012/28/2009 9:34:13 AM
gizzywump$25.00$25.0012/28/2009 9:34:17 AM
KiwiElf$25.00$25.0012/28/2009 9:34:22 AM
randsenterprise$25.00$25.0012/28/2009 9:34:50 AM
Katburg$25.00$25.0012/28/2009 9:34:57 AM
CASHGIRL$25.00$25.0012/28/2009 9:35:15 AM
SDNLR$25.00$25.0012/28/2009 9:33:45 AM
dparkhom$25.00$25.0012/28/2009 9:35:46 AM
tomas090$25.00$25.0012/28/2009 9:35:53 AM
Mickeyblu$25.00$25.0012/28/2009 9:36:03 AM
note-tent$25.00$25.0012/28/2009 9:36:11 AM
ghinga$25.00$25.0012/28/2009 9:34:44 AM
p2ploan-leaper$25.00$25.0012/28/2009 9:34:47 AM
bountiful-bazaar$25.00$25.0012/28/2009 9:36:55 AM
TheCount$25.00$25.0012/28/2009 9:35:07 AM
larry2003$25.00$25.0012/28/2009 9:37:41 AM
AceInTheHole$25.00$25.0012/28/2009 9:35:19 AM
Hondo$25.00$25.0012/28/2009 9:35:38 AM
PatRichi$25.00$25.0012/28/2009 9:35:42 AM
oneforthemoney$25.00$25.0012/28/2009 9:38:02 AM
FullDisclosureBorrower$25.00$25.0012/28/2009 9:35:49 AM
witty-principal$25.00$25.0012/28/2009 9:39:09 AM
slico$25.00$25.0012/28/2009 9:39:20 AM
silver-armada$50.00$50.0012/28/2009 9:39:38 AM
Slend49$25.00$25.0012/28/2009 9:38:06 AM
a-versatile-power$25.00$25.0012/28/2009 9:40:13 AM
loanfairy$25.00$25.0012/28/2009 9:34:10 AM
etraboulay$25.00$25.0012/28/2009 9:40:27 AM
thoughtful-community7$25.00$25.0012/28/2009 9:34:53 AM
Georgetastic$25.00$25.0012/28/2009 9:36:42 AM
socalavi8tor$25.00$25.0012/28/2009 9:37:46 AM
aycinvestments$25.00$25.0012/28/2009 9:37:59 AM
oldmora$50.00$50.0012/28/2009 9:38:21 AM
MARWARISETH$25.00$25.0012/28/2009 9:39:28 AM
wwwUniversal$25.00$25.0012/28/2009 10:45:01 AM
d_grbg$25.00$25.0012/28/2009 10:46:03 AM
SolarMoonshine$25.00$25.0012/28/2009 6:09:26 PM
admirable-credit$25.00$25.0012/29/2009 1:00:21 AM
dorypro$25.00$25.0012/30/2009 4:54:27 PM
vulgy$25.00$25.0012/30/2009 5:55:59 PM
glazeddonuts$25.00$25.0012/30/2009 8:14:56 PM
exchange-cowbell5$150.00$150.0012/31/2009 12:15:10 PM
mlj0671$26.00$26.0012/31/2009 1:17:25 PM
a-finance-nirvana$86.21$86.2112/31/2009 5:03:17 PM
Leshan$25.00$25.001/2/2010 7:14:23 AM
integrity-doctor$50.00$50.0012/28/2009 9:28:03 AM
AF-Chief$28.00$28.0012/28/2009 9:23:02 AM
triumph329$25.00$25.0012/28/2009 9:28:13 AM
IIP77$25.00$25.0012/28/2009 9:26:48 AM
Lam0nt$25.00$25.0012/28/2009 9:27:54 AM
mathprof$25.00$25.0012/28/2009 9:33:38 AM
desertoasis$50.00$50.0012/28/2009 9:28:07 AM
orange-preeminant-bill$100.00$100.0012/28/2009 9:33:29 AM
natecam$25.00$25.0012/28/2009 9:35:31 AM
selfmademan$25.00$25.0012/28/2009 9:33:52 AM
HarryRoberts$50.00$50.0012/28/2009 9:34:04 AM
aznmikelee$25.00$25.0012/28/2009 9:35:58 AM
loan-squadron$30.00$30.0012/28/2009 9:36:06 AM
useful-p2ploan$50.00$50.0012/28/2009 9:34:29 AM
systemlender$25.00$25.0012/28/2009 9:34:32 AM
persevering$25.00$25.0012/28/2009 9:34:35 AM
vivixmedia$25.00$25.0012/28/2009 9:36:32 AM
CAGE-Investments$50.00$50.0012/28/2009 9:34:37 AM
credit-force5$25.00$25.0012/28/2009 9:34:40 AM
whynormal$25.00$25.0012/28/2009 9:37:36 AM
LJLender$50.00$50.0012/28/2009 9:38:14 AM
dawg25$25.00$25.0012/28/2009 9:38:19 AM
sensible-order2$25.00$25.0012/28/2009 9:36:21 AM
listing-trapper3$50.00$50.0012/28/2009 9:38:25 AM
contract-voltage$25.00$25.0012/28/2009 9:37:01 AM
djh47a$25.00$25.0012/28/2009 9:37:06 AM
54CHEVY$100.00$100.0012/28/2009 9:39:15 AM
trustu$25.00$25.0012/28/2009 9:39:33 AM
MrMoney0622$25.00$25.0012/28/2009 9:38:10 AM
docktah$25.00$25.0012/28/2009 9:38:37 AM
money-explorer3$25.00$25.0012/28/2009 9:39:12 AM
flwah$25.00$25.0012/28/2009 9:33:48 AM
Rob717171$25.00$25.0012/28/2009 9:35:02 AM
KevinC_63366$25.00$25.0012/28/2009 9:35:24 AM
ben10jen$25.00$25.0012/28/2009 9:35:35 AM
likeable-openness$25.00$25.0012/28/2009 9:36:17 AM
benjo$25.00$25.0012/28/2009 9:36:28 AM
dime-reaction$25.00$25.0012/28/2009 9:36:40 AM
fortytwo$50.00$50.0012/28/2009 9:36:49 AM
zen1cent$25.00$25.0012/28/2009 9:37:13 AM
drumcorpsnut$25.00$25.0012/28/2009 9:37:49 AM
mswmba$25.00$25.0012/28/2009 9:38:16 AM
helpful-listing$25.00$25.0012/28/2009 9:38:45 AM
zone8$68.36$68.3612/28/2009 9:39:59 AM
topher515$25.00$25.0012/28/2009 9:40:20 AM
thedreamer$25.00$25.0012/28/2009 9:40:37 AM
head$25.00$1.4312/28/2009 9:40:42 AM
Ven58$25.00$25.0012/28/2009 10:57:11 AM
UCLA4life$25.00$25.0012/28/2009 4:05:19 PM
JustMee$25.00$25.0012/28/2009 5:43:41 PM
Bob450$25.00$25.0012/28/2009 10:21:13 PM
hellasow$25.00$25.0012/29/2009 5:47:39 AM
czar3$40.00$40.0012/29/2009 1:21:36 PM
CatbirdBanking$25.00$25.0012/29/2009 7:31:04 PM
felicity-daydream$25.00$25.0012/30/2009 9:21:17 AM
FinanceEngine$25.00$25.0012/30/2009 10:11:54 AM
Chava15$25.00$25.0012/30/2009 3:22:36 PM
debtcollector$50.00$50.0012/30/2009 6:02:28 PM
vivacious-p2p3$25.00$25.0012/30/2009 6:42:35 PM
back-scratchers$25.00$25.0012/30/2009 9:22:51 PM
Loan_shark718$25.00$25.0012/31/2009 6:41:34 AM
Sugarmama21$70.00$70.0012/31/2009 11:38:43 AM
melodious-fairness$25.00$25.0012/31/2009 8:28:37 PM
Trondheim_Norway$100.00$100.0012/31/2009 9:19:50 PM
neighborly-bid$25.00$25.001/1/2010 3:16:01 PM
red-ready-principal$100.00$100.001/1/2010 5:10:38 PM
coin-investor$25.00$25.001/1/2010 4:19:59 PM
IASKGOD$25.00$25.001/1/2010 3:41:18 PM
DasMula$100.00$100.001/1/2010 10:49:59 PM
what_goes_around$100.00$100.001/2/2010 3:17:15 AM
117 bids
 
Borrower Payment Dependent Notes Series 440068
This series of Notes was issued and sold upon the funding of the borrower loan #40337, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $315.68
Final lender yield: 7.45% Final borrower rate/APR: 8.45% / 8.79% Final monthly payment: $315.44
 
Auction yield range: 3.20% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.95%  
<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: Jun-1997 Debt/Income ratio: 4%
Credit score: 860-879 (Dec-2009) Current / open credit lines: 9 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:5y 4m
Amount delinquent: $0 Revolving credit balance: $995 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: ore-bada-bing Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my wife's credit card
Purpose of loan:
This loan will be used to pay off my wife's education expense that was put on her Citi card. Citibank increases the interest rate again, so I hope that I can get a better rate from Prosper lenders.

My financial situation:
I am a good candidate for this loan because:
1. I take my credit record seriously. As you can see in my credit report, I have never made a single late paymnt.
2. I have a stable employment track record (5+ years in current company, 5 years in pervious), and through the most difficult time of the economy.
3. I have a steady, reliable income.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
friendly-market5$25.00$25.0012/28/2009 4:04:07 PM
brightest-durability-chomper$25.00$25.0012/28/2009 4:05:55 PM
first-fund-empenada$25.00$25.0012/28/2009 4:06:39 PM
AngleofGod$25.00$25.0012/28/2009 4:04:37 PM
rosie777$25.00$25.0012/28/2009 4:14:16 PM
Cheburashka$30.00$30.0012/28/2009 4:04:53 PM
GreenBuilder247$25.00$25.0012/28/2009 4:06:05 PM
PCGeekWI$25.00$25.0012/28/2009 4:06:56 PM
tuneman1980$25.00$25.0012/28/2009 4:18:14 PM
brocilybeef$25.00$25.0012/28/2009 4:19:20 PM
unk1911$25.00$25.0012/28/2009 4:16:44 PM
lucrative-worth$25.00$25.0012/28/2009 4:18:08 PM
BigCityLending$25.00$25.0012/28/2009 4:19:08 PM
Kelor99$25.00$25.0012/28/2009 4:19:10 PM
kenji4861$25.00$25.0012/28/2009 4:18:39 PM
credit-flower$25.00$25.0012/28/2009 4:18:44 PM
all_of_that_one$25.00$25.0012/28/2009 4:20:02 PM
superstar449$25.00$25.0012/28/2009 4:26:19 PM
wise-silver-wonder$25.00$25.0012/28/2009 4:20:11 PM
UT-Longhorn$25.00$25.0012/28/2009 4:26:51 PM
Banker7371$25.00$25.0012/28/2009 4:27:19 PM
larrybird$100.00$100.0012/28/2009 4:27:25 PM
aventurer$25.00$25.0012/28/2009 4:27:33 PM
kegs$100.00$100.0012/28/2009 4:27:52 PM
jwood3030$25.00$25.0012/28/2009 4:23:47 PM
AmericanCredit$25.00$25.0012/28/2009 4:28:20 PM
jd006006$40.00$40.0012/28/2009 4:28:36 PM
fortytwo$200.00$200.0012/28/2009 4:26:36 PM
nuclearmoose$25.00$25.0012/28/2009 4:26:49 PM
microlendblvr$100.00$100.0012/28/2009 4:27:09 PM
BigMoney56$25.00$25.0012/28/2009 4:27:13 PM
PA2LA$25.00$25.0012/28/2009 4:26:43 PM
skiingawfs$25.00$25.0012/28/2009 4:27:39 PM
DonaldColorado$25.00$25.0012/28/2009 4:30:01 PM
SNH$50.00$50.0012/28/2009 4:27:02 PM
julijask$25.00$25.0012/28/2009 4:27:56 PM
trade-pumpkin$35.00$35.0012/28/2009 4:30:09 PM
portfolio-zone801$25.00$25.0012/28/2009 4:28:04 PM
desertoasis$25.00$25.0012/28/2009 4:28:44 PM
credit-force5$25.00$25.0012/28/2009 4:30:38 PM
CASHGIRL$75.00$75.0012/28/2009 4:30:42 PM
greenwell$50.00$50.0012/28/2009 4:28:58 PM
docktah$50.00$50.0012/28/2009 4:27:41 PM
Picopie$50.00$50.0012/28/2009 4:29:02 PM
Carpetkid$50.00$50.0012/28/2009 4:29:08 PM
diplomatic-point4$75.00$75.0012/28/2009 4:29:16 PM
skillful-diversification2$25.00$25.0012/28/2009 4:29:22 PM
diligent-leverage$25.00$25.0012/28/2009 4:28:00 PM
Walkingcowboy$25.00$25.0012/28/2009 4:31:38 PM
Steveoo1$50.00$50.0012/28/2009 4:29:45 PM
orange-courageous-dedication$40.00$40.0012/28/2009 4:29:53 PM
the-money-gargantuan$25.00$25.0012/28/2009 4:29:56 PM
kulender$25.00$25.0012/28/2009 4:32:06 PM
best-deal-banker$50.00$50.0012/28/2009 4:30:06 PM
first-pragmatic-note$25.00$25.0012/28/2009 4:30:29 PM
banjot$25.00$25.0012/28/2009 4:32:47 PM
18th_beachbum$25.00$25.0012/28/2009 4:29:24 PM
cingular$25.00$25.0012/28/2009 4:33:14 PM
flopcat$25.00$25.0012/28/2009 4:31:12 PM
wealth-cloud$25.00$25.0012/28/2009 4:33:50 PM
Attract$25.00$25.0012/28/2009 4:31:35 PM
gold-commander0$50.00$50.0012/28/2009 4:30:12 PM
mikeandcat$50.00$50.0012/28/2009 4:31:43 PM
loan-warrior$25.00$25.0012/28/2009 4:30:33 PM
Kaj$30.00$30.0012/28/2009 4:31:48 PM
shamrocker$25.00$25.0012/28/2009 4:31:59 PM
natmonkey$25.00$25.0012/28/2009 4:32:08 PM
the-debt-fluffy-bunny$25.00$25.0012/28/2009 4:35:19 PM
galaxy1$25.00$25.0012/28/2009 4:31:05 PM
Jassi$25.00$25.0012/28/2009 4:32:27 PM
dinero-festivity2$50.00$50.0012/28/2009 4:32:33 PM
lending_mom$25.00$25.0012/28/2009 4:32:38 PM
Katburg$50.00$50.0012/28/2009 4:31:21 PM
anakinsolo$25.00$25.0012/28/2009 4:32:40 PM
BankOfFrankFairness$50.00$50.0012/28/2009 4:31:45 PM
forthright-social$25.00$25.0012/28/2009 4:31:51 PM
jfd287$25.00$25.0012/28/2009 4:33:27 PM
Purposeful$50.00$50.0012/28/2009 4:33:42 PM
cash-sensai2$25.00$25.0012/28/2009 4:34:11 PM
MattLic$25.00$25.0012/28/2009 4:35:05 PM
kaykarun$50.00$50.0012/28/2009 4:33:00 PM
vkorichkov$35.00$35.0012/28/2009 4:33:19 PM
Artist_Blue$25.00$25.0012/28/2009 4:33:46 PM
wiselady$25.00$25.0012/28/2009 4:33:59 PM
teller$60.00$60.0012/28/2009 4:35:13 PM
discrete-asset$25.00$25.0012/28/2009 4:35:16 PM
ThomasTrain$50.00$50.0012/28/2009 9:04:30 PM
admirable-credit$25.00$25.0012/29/2009 1:00:36 AM
BOZO88$25.00$25.0012/29/2009 5:41:44 AM
EmeritusX$25.00$25.0012/29/2009 7:54:51 AM
vine99$100.00$100.0012/29/2009 10:50:25 AM
Asparagirl$50.00$50.0012/29/2009 1:57:42 PM
Tc11902$50.00$50.0012/29/2009 5:24:02 PM
glimmering-credit4$25.00$25.0012/29/2009 5:26:21 PM
dsparrow$26.24$26.2412/30/2009 3:43:36 PM
elevated-finance$25.00$25.0012/30/2009 7:24:05 PM
tender-ore$25.00$25.0012/30/2009 9:10:43 PM
marala4285$25.00$25.0012/31/2009 7:10:45 AM
balance-chestnut$50.00$50.0012/31/2009 7:44:36 AM
upstate$25.00$25.0012/31/2009 10:06:21 AM
rjsdsu$25.00$25.0012/31/2009 10:39:30 AM
springpanda$25.00$25.0012/31/2009 1:38:08 PM
OCLend$25.00$25.0012/31/2009 2:03:16 PM
durability-halibut$25.00$25.001/1/2010 11:09:14 AM
Dollars4Rent$25.00$25.001/1/2010 5:01:04 PM
what_goes_around$400.00$400.001/2/2010 5:15:45 AM
don'twannadance$50.00$50.001/2/2010 5:47:00 AM
GWV2$50.00$50.001/2/2010 6:53:08 AM
orangefob7$25.00$25.001/3/2010 9:39:03 AM
elegant-income3$50.00$50.001/3/2010 12:36:42 PM
velocity-winner$25.00$25.001/3/2010 7:32:11 PM
squarebob$25.00$25.001/4/2010 6:53:18 AM
rate-hickory$50.00$50.001/4/2010 6:54:32 AM
westernstar$40.00$40.001/4/2010 7:23:46 AM
OoM$25.00$25.001/4/2010 10:03:12 AM
velocity-squadron$25.00$25.001/4/2010 10:31:05 AM
IceFisherman$37.12$37.121/4/2010 10:51:24 AM
stock_speculator$25.00$25.001/4/2010 11:02:30 AM
riv701$25.00$25.001/4/2010 2:45:03 PM
JerryB96$25.00$25.001/4/2010 3:22:40 PM
worth-quark$25.00$25.001/4/2010 12:14:09 PM
RandyL3$25.00$25.001/4/2010 12:56:02 PM
icon7$25.00$25.001/4/2010 2:18:57 PM
BipedalHominid$25.00$25.001/4/2010 2:59:44 PM
unrhrsd$25.00$25.001/4/2010 2:10:29 PM
Cherrypicker$25.00$25.001/4/2010 3:37:41 PM
caseattle$25.00$25.001/4/2010 2:49:59 PM
roymckenzie$25.00$25.0012/28/2009 4:04:33 PM
Avala$25.00$25.0012/28/2009 4:05:15 PM
creditasaurus9$25.00$25.0012/28/2009 4:05:21 PM
nerdbomber$25.00$25.0012/28/2009 4:05:28 PM
mathprof$25.00$25.0012/28/2009 4:05:41 PM
forthright-trade$25.00$25.0012/28/2009 4:05:44 PM
towering-compassion$25.00$25.0012/28/2009 4:06:42 PM
oreyedoc$25.00$25.0012/28/2009 4:10:52 PM
comtnlover$25.00$25.0012/28/2009 4:06:11 PM
klinebarger$25.00$25.0012/28/2009 4:05:48 PM
fair-rate$25.00$25.0012/28/2009 4:06:46 PM
FjLenders$25.00$25.0012/28/2009 4:06:36 PM
Rob717171$25.00$25.0012/28/2009 4:18:35 PM
FASTIZIO_P$33.33$33.3312/28/2009 4:19:35 PM
scottr$25.00$25.0012/28/2009 4:25:43 PM
red-favorable-basis$25.00$25.0012/28/2009 4:19:43 PM
adir1$25.00$25.0012/28/2009 4:26:55 PM
asdf9876$25.00$25.0012/28/2009 4:27:36 PM
burgeoning-silver$25.00$25.0012/28/2009 4:28:23 PM
elasermd$50.00$50.0012/28/2009 4:28:41 PM
ljay$25.00$25.0012/28/2009 4:26:16 PM
note-tent$50.00$50.0012/28/2009 4:26:31 PM
bonus-adventure3$50.00$50.0012/28/2009 4:28:49 PM
fcukciti$25.00$25.0012/28/2009 4:29:13 PM
thedoctor$90.00$90.0012/28/2009 4:26:23 PM
secundus$25.00$25.0012/28/2009 4:27:15 PM
first-upright-payout$50.00$50.0012/28/2009 4:29:42 PM
highcountry1$25.00$25.0012/28/2009 4:26:27 PM
meenan$40.00$40.0012/28/2009 4:26:40 PM
bayareainv$50.00$50.0012/28/2009 4:27:45 PM
BlindProphet$25.00$25.0012/28/2009 4:26:59 PM
CaptainBlueberry$25.00$25.0012/28/2009 4:27:06 PM
roccofox$50.00$50.0012/28/2009 4:30:19 PM
majestic-dedication$50.00$50.0012/28/2009 4:27:30 PM
dedicated-diversification5$75.00$75.0012/28/2009 4:28:46 PM
honorable-yield$75.00$75.0012/28/2009 4:28:53 PM
SCOTTOL$25.00$25.0012/28/2009 4:30:49 PM
MO_Investor$25.00$25.0012/28/2009 4:27:50 PM
jbaum$100.00$100.0012/28/2009 4:29:18 PM
lloyd_s$25.00$25.0012/28/2009 4:29:34 PM
magical-greenback$55.00$55.0012/28/2009 4:31:41 PM
personal-lender$25.00$25.0012/28/2009 4:29:38 PM
Tc11902$50.00$50.0012/28/2009 4:28:31 PM
ryreesado$25.00$25.0012/28/2009 4:32:16 PM
RICHMONDREB$25.00$25.0012/28/2009 4:32:36 PM
intrepid-transaction5$25.00$25.0012/28/2009 4:30:36 PM
responsibility-butterfly$25.00$25.0012/28/2009 4:30:45 PM
elevated-platinum5$25.00$25.0012/28/2009 4:29:28 PM
credit-investor5$100.00$100.0012/28/2009 4:29:31 PM
outtahoth2o$100.00$100.0012/28/2009 4:33:22 PM
bchen78875$50.00$50.0012/28/2009 4:31:09 PM
Havana21$25.00$25.0012/28/2009 4:29:50 PM
gulch$35.00$35.0012/28/2009 4:31:25 PM
leodaguy$25.00$25.0012/28/2009 4:31:30 PM
the_winning_ticket$35.00$35.0012/28/2009 4:31:33 PM
BankofBen$250.00$250.0012/28/2009 4:30:22 PM
junctionking$25.00$25.0012/28/2009 4:30:25 PM
adama_48$25.00$25.0012/28/2009 4:32:03 PM
platinum-sorcerer6$25.00$25.0012/28/2009 4:32:11 PM
auction-elvis$25.00$25.0012/28/2009 4:30:53 PM
meux99$25.00$25.0012/28/2009 4:35:30 PM
DukSerduk$25.00$25.0012/28/2009 4:30:58 PM
SnE$25.00$25.0012/28/2009 4:32:19 PM
figs4u2$80.00$80.0012/28/2009 4:31:01 PM
toblerone$25.00$25.0012/28/2009 4:32:22 PM
invincible-marketplace$25.00$25.0012/28/2009 4:32:30 PM
inspired-contract9$50.00$50.0012/28/2009 4:31:15 PM
skvat$25.00$25.0012/28/2009 4:33:04 PM
AF-Chief$35.00$35.0012/28/2009 4:31:55 PM
cash-boots$25.00$25.0012/28/2009 4:32:01 PM
wowsurfer$25.00$25.0012/28/2009 4:33:32 PM
ven$25.00$25.0012/28/2009 4:33:54 PM
buukyak$25.00$25.0012/28/2009 4:32:13 PM
runbix7$25.00$25.0012/28/2009 4:34:04 PM
rooosta$25.00$25.0012/28/2009 4:34:08 PM
Ven58$25.00$25.0012/28/2009 4:34:36 PM
wampum-optimization$50.00$50.0012/28/2009 4:32:44 PM
flwah$25.00$25.0012/28/2009 4:35:09 PM
LAKESPRING$50.00$50.0012/28/2009 4:32:58 PM
head$25.00$25.0012/28/2009 4:35:21 PM
Goodlender42$25.00$25.0012/28/2009 4:33:08 PM
CAGE-Investments$100.00$92.8412/28/2009 4:35:32 PM
peb44$25.00$25.0012/28/2009 5:35:52 PM
bowdish1$50.00$50.0012/28/2009 4:35:26 PM
schpere$30.00$30.0012/28/2009 4:35:28 PM
drenalin$25.00$25.0012/28/2009 4:49:31 PM
dontscrewmeover1$100.00$100.0012/28/2009 6:36:20 PM
jybank$50.00$50.0012/28/2009 6:42:03 PM
blot44$50.00$50.0012/28/2009 6:56:50 PM
majesty786$25.00$25.0012/28/2009 9:53:14 PM
wonderous-power$25.00$25.0012/29/2009 1:48:06 AM
hellasow$25.00$25.0012/29/2009 5:18:04 AM
16888$67.42$67.4212/29/2009 4:48:39 AM
SnakeV$33.00$33.0012/29/2009 8:52:04 AM
wwwUniversal$25.00$25.0012/29/2009 9:44:57 AM
the-profit-oracle$25.00$25.0012/29/2009 10:57:18 AM
FundMaker$25.00$25.0012/29/2009 10:43:38 AM
Syzygy$25.00$25.0012/29/2009 4:19:39 PM
spectacle979$25.00$25.0012/30/2009 9:42:50 AM
gaditano$25.00$25.0012/30/2009 11:07:18 AM
Guiren$29.60$29.6012/30/2009 11:39:42 AM
dime-neutron$25.00$25.0012/31/2009 3:16:04 AM
aqaq8877$100.00$100.0012/31/2009 8:53:13 AM
rjsdsu$100.00$100.0012/31/2009 11:00:37 AM
b1geasy$50.00$50.0012/31/2009 11:24:54 AM
MrSolution$100.00$100.0012/31/2009 11:42:59 AM
market-builder$100.00$100.0012/31/2009 12:35:31 PM
billnsc$25.00$25.0012/31/2009 3:34:12 PM
octoberfresh$25.00$25.0012/31/2009 4:36:38 PM
raccoon123$50.00$50.001/1/2010 5:33:14 AM
surfsider123$25.00$25.001/1/2010 10:58:08 AM
mrpowers5531$25.00$25.001/2/2010 8:30:40 AM
orbital-transparency$25.00$25.001/2/2010 11:45:32 AM
RadarLuv$25.00$25.001/2/2010 7:22:54 AM
sunny1985$25.00$25.001/2/2010 2:51:13 PM
Astyanax$25.00$25.001/2/2010 10:12:58 PM
andyman02$50.00$50.001/3/2010 12:10:42 AM
Druidsoft$25.00$25.001/3/2010 5:29:22 PM
serene-truth2$25.00$25.001/3/2010 8:41:13 PM
mburke3434$25.00$25.001/3/2010 11:46:40 PM
LawyerLoan$25.00$25.001/4/2010 7:45:21 AM
Barky52$25.00$25.001/4/2010 5:51:02 AM
bowl800$25.00$25.001/4/2010 9:51:24 AM
John_14_6$25.00$25.001/4/2010 9:45:01 AM
gustavholstopus32$25.00$25.001/4/2010 10:03:29 AM
Spkthewrd3$25.00$25.001/4/2010 10:39:58 AM
bouvierchamp$29.30$29.301/4/2010 11:02:38 AM
SeaLoans$25.00$25.001/4/2010 12:24:00 PM
csak13$25.00$25.001/4/2010 1:08:28 PM
scloans$30.00$30.001/4/2010 11:22:14 AM
cassidyauction$25.00$25.001/4/2010 11:05:49 AM
cordial-integrity$25.00$25.001/4/2010 4:01:58 PM
ScottFinance$25.00$25.001/4/2010 12:21:44 PM
rce1964$25.00$25.001/4/2010 12:25:47 PM
Robbdogg$25.00$25.001/4/2010 1:08:47 PM
lockstock$61.15$61.151/4/2010 2:16:26 PM
rate-hickory$25.00$25.001/4/2010 2:52:43 PM
catalystcf$25.00$25.001/4/2010 3:28:18 PM
265 bids
 
Borrower Payment Dependent Notes Series 440184
This series of Notes was issued and sold upon the funding of the borrower loan #40313, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0% Auction start date:  Dec-29-2009 
  Auction end date:  Jan-05-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
Final lender yield: 33.75% Final borrower rate/APR: 34.75% / 37.20% Final monthly payment: $157.83
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.99%  
Lender servicing fee: 1.00% Estimated return: 12.76%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1997 Debt/Income ratio: 79%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $15,130 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: got_tools Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 22 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
620-639 (Jul-2009)
620-639 (Sep-2008)
540-559 (Nov-2007)
620-639 (Jul-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Returning Borrower - I Pay!
Purpose of loan:
To cover misc. Expences - Auto - househould repairs, ext.

My financial situation:
I am a good candidate for this loan because this will be my second loan with prosper and I have proven I pay my bills.

Monthly net income: $ 5500 includes my wifes income.

I am a returning borrower that pay his bills. Please assit.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.0012/29/2009 4:24:29 PM
unk1911$25.00$25.0012/29/2009 4:31:02 PM
Bob450$25.00$25.0012/31/2009 2:08:36 PM
Aberdeen$300.00$300.0012/31/2009 2:25:11 PM
DasMula$50.00$50.001/1/2010 10:14:31 PM
LendingPimp$50.00$50.001/3/2010 11:40:36 PM
Champ3295$25.00$25.001/4/2010 9:27:26 AM
mrxtravis$100.00$100.001/4/2010 9:58:36 AM
tigercat$50.00$50.001/4/2010 10:04:45 AM
yerkster1$25.00$25.001/4/2010 11:23:21 AM
Sambamm1$25.00$25.001/4/2010 2:03:13 PM
_SCI_$25.00$25.001/4/2010 4:47:18 PM
Peterman$100.00$100.001/4/2010 5:13:16 PM
Jordan1123$25.00$25.001/4/2010 7:00:30 PM
TicTac$25.00$25.001/4/2010 7:33:52 PM
Happy-Man$25.00$25.001/4/2010 7:49:00 PM
Skeptical-one$100.00$100.001/4/2010 8:11:17 PM
dudebrah$26.00$26.001/4/2010 8:17:56 PM
Kqwik$25.00$25.001/4/2010 10:54:21 PM
truth-fanatic$25.10$25.101/4/2010 11:24:50 PM
red-favorable-basis$25.00$25.001/5/2010 6:52:51 AM
Leshan$38.81$38.811/5/2010 8:49:14 AM
NekHoldings$25.00$25.001/5/2010 8:14:36 AM
walkinonwater$25.00$25.001/5/2010 11:43:10 AM
Rip128$50.00$50.001/5/2010 3:42:12 PM
five-star-note$57.85$57.851/5/2010 10:59:54 AM
PXM-Financial$50.00$50.001/5/2010 11:07:44 AM
currency-bumblebee$50.00$50.001/5/2010 11:10:31 AM
CaliforniaSun$25.00$25.001/5/2010 3:59:05 PM
worldly-gold$50.00$50.001/5/2010 3:59:30 PM
The-CAPS-fan$25.00$25.001/5/2010 12:36:22 PM
TakeCare$25.00$25.001/5/2010 1:23:56 PM
pietro_torna_indietro$25.00$25.001/5/2010 2:00:17 PM
skillful-asset5$100.00$18.021/5/2010 3:56:40 PM
COtheBeast$25.00$25.001/5/2010 3:56:48 PM
DasMula$50.00$50.0012/30/2009 12:28:57 PM
JGuide$91.00$91.0012/31/2009 8:41:50 AM
what_goes_around$1,000.00$1,000.001/2/2010 3:22:34 AM
chameleon125$25.00$25.001/3/2010 3:29:46 PM
deepblue34$30.00$30.001/3/2010 7:08:10 PM
wonderous-power$25.00$25.001/4/2010 1:46:55 AM
admirable-credit$25.00$25.001/4/2010 11:08:22 AM
gnar$25.00$25.001/4/2010 11:14:26 AM
UofCMaroon$40.00$40.001/4/2010 11:44:34 AM
dorypro$25.00$25.001/4/2010 3:13:58 PM
realtormoises$25.00$25.001/4/2010 4:51:01 PM
martymaniaman$25.00$25.001/5/2010 6:43:21 AM
DasMula$250.00$250.001/5/2010 6:45:17 AM
glazeddonuts$25.00$25.001/4/2010 10:08:02 PM
nykidd$80.00$80.001/5/2010 10:12:56 AM
Bill88$40.00$40.001/5/2010 3:59:28 PM
LT-Loans$25.00$25.001/5/2010 1:12:57 PM
Bobusa$25.00$25.001/5/2010 12:47:24 PM
jbloans$25.00$25.001/5/2010 3:41:46 PM
Capit0l$25.00$25.001/5/2010 3:44:45 PM
transparency-tomahawk$28.22$28.221/5/2010 3:57:23 PM
56 bids
 
Borrower Payment Dependent Notes Series 440240
This series of Notes was issued and sold upon the funding of the borrower loan #40325, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Dec-29-2009 
  Auction end date:  Jan-03-2010 
 
Starting lender yield: 22.70% Starting borrower rate/APR: 23.70% / 25.99% Starting monthly payment: $78.15
Final lender yield: 20.75% Final borrower rate/APR: 21.75% / 24.01% Final monthly payment: $76.12
 
Auction yield range: 8.20% - 22.70% Estimated loss impact: 8.49%  
Lender servicing fee: 1.00% Estimated return: 12.26%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Sep-2007 Debt/Income ratio: 7%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $126 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: InGodWeTrust7 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Setting A Future.
Purpose of loan:
This loan will be used to Obtain a decent car to commute and at the same time help build my credit to a better score for my future.

My financial situation:
I am a good candidate for this loan because I'm very responsible and have a great backround of paying off my debts almost immediately.

Monthly net income: $ 0

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 80
??Car expenses: $ Minimal
??Utilities: $ As Needed
??Phone, cable, internet: $ 0
??Food, entertainment: $ As Needed
??Clothing, household expenses $ Minimal
??Credit cards and other loans: $ As Needed
??Other expenses: $ Minimal
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Congratulations on your thriftiness. Can you share with lenders what it is you do for your job and also how do you manage to have no housing costs or other living expenses? Thanks and good luck. - alpinaut
A: Thank You Thank You. Currently I Am Employed At Revlon Manufacturing Company. I Drive Fork Trucks Throughout My Day and Enjoy Doing It. My Title Their Is 'Material Handler.' As Far As My Housing Expenses and My Living Expenses... I Reside With My Mother In NC For Now Trying To Establish and Build For My Near Future. We Help Eachother Out As Needed. Thank You. (Jan-02-2010)
Q: Please provide your take home pay and detailed list of all monthly expenses with amounts. Thanks. - exciting-fairness
A: My Take Home Pay Regularly Is about $290.00. Lately For The Holidays We Have Been Getting Great Overtime Hours and Pay... This Has Helped Out A Lot. Details About My Monthly Expenses are Minimal Really... I Dish Out Cash As Needed. The Basic Essentials That Me and My Mother Can't Do Without. Groceries, Fuel, A Little Help On Bills. I Do This Because I Have a Fairly Stable Bank Account. Thank You. (Jan-02-2010)
Q: Why you did not show neither income nor expenses? How do you expect to pay your loan if no income? Thank you for answers. - unger
A: My income is very steady. I have a full time 40 hour week. My expenses are very minimal. I have a strong focus in life and keep to my basics for what i need, not always what i want. Thank You. (Jan-03-2010)
Q: Hello sir, I was wondering what is your average monthly income? It is not listed above. - harmonious-greenback
A: My average monthly income is very stable... I have a full time 40 hour work week. Before taxes my monthly income is roughly around $1500. After taxes would be around 1200. Thank You. (Jan-03-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cognizant-rate732$50.00$50.0012/29/2009 4:05:08 PM
Thunder08$25.00$25.0012/29/2009 4:05:59 PM
Brown98$25.00$25.0012/29/2009 4:05:42 PM
enriching-payout$25.00$25.0012/29/2009 4:05:05 PM
Syzygy$25.00$25.0012/29/2009 4:20:43 PM
zento$25.00$25.0012/29/2009 4:29:26 PM
scottr$25.00$25.0012/29/2009 4:30:35 PM
scho0590$34.00$34.0012/29/2009 7:36:52 PM
Bank_Of_XL$50.00$50.0012/30/2009 8:09:54 AM
piter-to-la-investment$25.00$25.0012/30/2009 9:53:20 AM
openness-prospector$50.00$50.0012/30/2009 9:43:21 AM
rakey$25.00$25.0012/30/2009 12:02:16 PM
donenzo$25.00$25.0012/30/2009 9:55:43 PM
Streamfeeder$25.00$25.0012/31/2009 9:31:02 AM
UCLA4life$25.00$25.0012/31/2009 12:51:15 PM
the-profit-oracle$25.00$25.0012/31/2009 5:13:51 PM
Zagit$25.00$25.001/1/2010 1:23:06 PM
1-HARD-HEAD$100.00$100.001/1/2010 7:10:37 AM
DenimCapital$25.00$25.001/1/2010 5:36:32 PM
finance-vault$25.00$25.001/2/2010 3:52:26 PM
dime-neutron$25.00$25.001/3/2010 3:01:08 AM
one4you2$50.00$50.001/3/2010 6:28:40 AM
vine99$50.00$50.001/2/2010 7:51:03 PM
buffalobills$25.00$25.001/2/2010 8:22:39 PM
intuitive-deal5$100.00$100.001/3/2010 12:53:06 PM
bullwink27$25.00$25.001/2/2010 8:57:54 PM
durability-halibut$25.00$25.001/3/2010 11:29:40 AM
leverage-monger$25.00$25.001/3/2010 7:58:38 AM
twjh$25.00$2.3312/29/2009 4:31:15 PM
aurorafinancial$33.55$33.5512/29/2009 5:24:42 PM
volleyca$25.00$25.0012/29/2009 7:49:33 PM
Bob450$50.00$50.0012/29/2009 8:49:33 PM
foothillender$25.00$25.0012/30/2009 6:52:54 AM
coin-investor$25.00$25.0012/29/2009 11:49:04 PM
felicity-daydream$100.00$100.0012/30/2009 9:29:35 AM
busybee999$25.00$25.0012/30/2009 1:10:22 PM
persistent-income2$25.00$25.0012/30/2009 11:42:12 AM
cognizant-rate732$100.00$100.0012/30/2009 12:59:07 PM
jonric777$25.00$25.0012/30/2009 2:06:12 PM
asya$25.00$25.0012/30/2009 4:05:30 PM
marwadi-62$50.00$50.0012/31/2009 10:07:22 AM
GeoLender$25.00$25.0012/31/2009 10:46:32 AM
LarWit1512$25.00$25.0012/31/2009 12:01:06 PM
Bob450$25.00$25.0012/31/2009 2:19:52 PM
exchange-cowbell5$150.00$150.001/1/2010 2:20:32 PM
neighborly-bid$25.00$25.001/1/2010 3:17:33 PM
maximus76$25.00$25.001/2/2010 7:37:20 AM
alpinaut$25.00$25.001/2/2010 8:14:33 AM
the-durability-planetarium$50.00$50.001/1/2010 10:37:53 PM
what_goes_around$100.00$100.001/2/2010 3:16:03 AM
JohnSmith10$25.00$25.001/2/2010 12:47:18 PM
Peacepower$30.12$30.121/3/2010 1:54:57 PM
52 bids
 
Borrower Payment Dependent Notes Series 440418
This series of Notes was issued and sold upon the funding of the borrower loan #40317, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-30-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 31.34% Starting borrower rate/APR: 32.34% / 34.75% Starting monthly payment: $437.43
Final lender yield: 31.34% Final borrower rate/APR: 32.34% / 34.75% Final monthly payment: $437.43
 
Auction yield range: 11.20% - 31.34% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.55%  
<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: 7 First credit line: Dec-2000 Debt/Income ratio: 23%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:1y 9m
Amount delinquent: $0 Revolving credit balance: $7,307 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: elegant-hope5 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF MEDICAL/CREDIT CARD DEBT
This loan will be used to repay credit card debt/medical bills due to medical expenses incurred by my wife's surgery and treatment. My financial situation is pretty good but would like to consolidate all these medical bills and credit card expenses into one monthly payment since I have no intention of paying them all off with a credit card. I am a good candidate for this loan because I have a stable position with a state agency, and have been recently promoted to a new position with a much higher pay (due to job performance within my division). I am focused to pay all this credit card debt/medical bills and provide a better future for my wife and I. We are a young, dynamic couple and both have full-time jobs in stable markets of the economy. No children or any other dependents in our household. Here is the breakdown of my income and monthly expenses:

Salary: 58K a year
Monthly net income: $ 3,700

Monthly expenses:
Housing: $500
Car insurance: $42
Utilities: $100
Phone, cable, internet: $117
Food & other household expenses: $400
Combined credit cards payments: $500
Student loan: $72
Other expenses: $100
TOTAL MONTHLY EXPENSES: $1831
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is your occupation and what is your wife's? Thank you. - DenimCapital
A: I work for the department of education and I'm a federal program administrator. My wife works for a communications company in PR. (Jan-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$100.00$100.0012/30/2009 4:16:57 PM
reflective-rupee$100.00$100.0012/30/2009 4:17:42 PM
reflective-rupee$100.00$100.0012/30/2009 4:17:52 PM
reflective-rupee$100.00$100.0012/30/2009 4:17:30 PM
Bob450$25.00$25.0012/30/2009 4:32:15 PM
exchange-cowbell5$150.00$150.0012/30/2009 4:32:41 PM
reflective-rupee$1,000.00$1,000.0012/30/2009 4:58:57 PM
SolarMoonshine$25.00$25.0012/30/2009 6:14:02 PM
ralstat$5,000.00$4,936.701/1/2010 10:42:59 AM
inforapenny$25.00$25.001/1/2010 10:46:53 AM
vine99$85.00$85.001/1/2010 2:41:05 PM
felicity-daydream$100.00$100.001/1/2010 3:02:03 PM
wonderous-power$25.00$25.001/2/2010 5:55:18 AM
awesome-benefit1$25.00$25.001/2/2010 12:19:26 PM
ColoradoBanker$39.76$39.761/3/2010 7:17:07 PM
loss-of-control$25.00$25.001/3/2010 11:44:17 AM
supreme-hope$25.00$25.001/3/2010 6:09:54 PM
five-star-note$35.00$35.001/3/2010 6:17:14 PM
buffalobills$25.00$25.001/4/2010 7:02:54 AM
new-truth-chuckler$28.01$28.011/4/2010 10:09:28 AM
ghinga$25.00$25.001/4/2010 10:29:53 AM
awesome-silver$50.00$50.001/4/2010 10:55:14 AM
bettndon$50.00$50.001/4/2010 12:59:01 PM
five-star-note$25.00$25.001/4/2010 11:47:20 AM
reflective-rupee$100.00$100.0012/30/2009 4:18:07 PM
flexible-economy2$75.00$75.0012/30/2009 4:28:38 PM
SFBank$200.00$200.0012/30/2009 4:32:15 PM
truth-fanatic$25.53$25.5312/30/2009 8:29:15 PM
DasMula$100.00$100.0012/31/2009 5:34:22 PM
impala6464$50.00$50.0012/31/2009 9:42:10 PM
penny-surgeon$25.00$25.001/1/2010 10:46:08 AM
wise-silver-wonder$25.00$25.001/1/2010 7:07:05 PM
what_goes_around$100.00$100.001/2/2010 3:08:46 AM
BradP$50.00$50.001/2/2010 8:17:09 AM
durability-halibut$25.00$25.001/2/2010 2:04:41 PM
dime-neutron$25.00$25.001/3/2010 3:01:02 AM
loss-of-control$25.00$25.001/3/2010 11:44:37 AM
creative-reward1$25.00$25.001/3/2010 1:58:17 PM
DenimCapital$200.00$200.001/3/2010 5:40:25 PM
sharp-credit$1,700.00$1,700.001/4/2010 10:45:24 AM
monstersdad$50.00$50.001/4/2010 11:22:12 AM
asset-control2$75.00$75.001/4/2010 1:06:39 PM
42 bids
 
Borrower Payment Dependent Notes Series 441166
This series of Notes was issued and sold upon the funding of the borrower loan #40311, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,700.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-05-2010 
  Auction end date:  Jan-06-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $148.15
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $148.04
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.24%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1994 Debt/Income ratio: 8%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:12y 2m
Amount delinquent: $0 Revolving credit balance: $2,668 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 26%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: kindness-atizer Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Advertising to grow our tax firm
Purpose of loan:
This loan will be used to?generate new business through TV advertising for our company Ameritax.com ?"See our website? - www.ameritax.com"?? We are "The Emergency Room?For Tax Problems"? and have helped over 4,300 taxpayers resolve their back tax issues over our 12 year history. Guess What? ?It''s is a new year and the beginning of Tax Season ! "See the TV add we are using at?? http://vintagemedia.us/tax.php."? We have tested this add already?and have achieved good results. Each TV add runs for a week nationwide and costs $2,350. It generates 50 callers of which an average of 10 callers become clients @ an average fee of $1,200.00 each . Each add generates approximately 5 times it's cost in new business.? Half of our clients pay the fee in full before they start and the other 1/2 need?a monthly fee payment plan.? We are now referring our clients to Prosper.com ?who want to finance their fee payments to Ameritax.? We will be generating new Proper.com borrowers and lenders through our client base.??In 2009? our company grossed over $550,000 in sales. We financed $250,000 of those new client?fee payment plans in house. We will now use Prosper.com to handle that funding in 2010 and beyond.?We can amortize and repay this loan over the? three year term and also demonstrate to our clients how Peer To Peer Lending at Prosper.com works. We thank you for your interest and we look forward to bringing our new clients to the Prosper Community.
My financial situation:
I am a great candidate for this loan because?I am a stable , 52 years old and I have been with my wife Mary for over 25 years.?We have owned?our home in Marin County , California (San Francisco Bay Area across from the Golden Gate Bridge) for over 15 years.?Our Home has?over 25% equity in it even in the current? market conditions. I am a co-founder of?our?company Ameritax.com which was started with a small loan of $15,000 in credit card financing and built it up over the past 12 years to provide a wonderful service? for our clients. We??earned an A rating with the Better Business Bureau. I want to demonstrate to?our future clients that they too can come to Prosper.com and apply for small loans they need to get their businesses?to grow. Thank you for you consideration
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Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
the-bright-velocity$25.00$25.001/5/2010 4:31:10 PM
kenji4861$25.00$25.001/5/2010 4:32:38 PM
larrybird$100.00$100.001/5/2010 4:39:39 PM
portfolio-zone801$25.00$25.001/5/2010 4:39:50 PM
Picopie$50.00$50.001/5/2010 4:40:03 PM
credit-force5$25.00$25.001/5/2010 4:41:08 PM
responsibility-butterfly$25.00$25.001/5/2010 4:42:06 PM
inspired-contract9$50.00$50.001/5/2010 4:42:23 PM
leodaguy$25.00$25.001/5/2010 4:42:35 PM
rjblack$50.00$50.001/5/2010 4:30:44 PM
BankOfFrankFairness$50.00$50.001/5/2010 4:42:54 PM
adama_48$25.00$25.001/5/2010 4:31:02 PM
forthright-social$25.00$25.001/5/2010 4:42:58 PM
shamrocker$25.00$25.001/5/2010 4:43:07 PM
dinero-festivity2$50.00$50.001/5/2010 4:43:26 PM
wampum-optimization$50.00$50.001/5/2010 4:43:30 PM
skvat$25.00$25.001/5/2010 4:43:37 PM
Artist_Blue$25.00$25.001/5/2010 4:43:54 PM
influential-gain$50.00$50.001/5/2010 4:30:34 PM
roccofox$50.00$50.001/5/2010 4:30:53 PM
SDNLR$25.00$25.001/5/2010 4:31:05 PM
hard-working-loot$25.00$25.001/5/2010 4:31:07 PM
first-pragmatic-note$25.00$25.001/5/2010 4:32:44 PM
klinebarger$25.00$25.001/5/2010 4:39:11 PM
honorable-yield$75.00$75.001/5/2010 4:39:57 PM
greenwell$50.00$50.001/5/2010 4:40:02 PM
18th_beachbum$25.00$25.001/5/2010 4:40:18 PM
elevated-platinum5$25.00$25.001/5/2010 4:40:21 PM
personal-lender$25.00$25.001/5/2010 4:40:34 PM
elasermd$50.00$50.001/5/2010 4:38:10 PM
orange-courageous-dedication$40.00$40.001/5/2010 4:40:44 PM
time4aloan$25.00$25.001/5/2010 4:38:26 PM
StrongMoney$25.00$25.001/5/2010 4:41:47 PM
thedoctor$90.00$90.001/5/2010 4:39:24 PM
auction-elvis$25.00$25.001/5/2010 4:42:09 PM
majestic-dedication$50.00$50.001/5/2010 4:39:40 PM
asdf9876$25.00$25.001/5/2010 4:39:48 PM
AmericanCredit$25.00$25.001/5/2010 4:39:51 PM
gulch$35.00$35.001/5/2010 4:42:31 PM
Walkingcowboy$25.00$25.001/5/2010 4:42:47 PM
jbaum$100.00$100.001/5/2010 4:40:10 PM
lloyd_s$25.00$25.001/5/2010 4:40:25 PM
AF-Chief$35.00$35.001/5/2010 4:43:03 PM
DonaldColorado$25.00$25.001/5/2010 4:40:50 PM
BankofBen$250.00$250.001/5/2010 4:40:55 PM
natmonkey$25.00$25.001/5/2010 4:43:11 PM
loan-warrior$25.00$25.001/5/2010 4:41:03 PM
kaykarun$50.00$50.001/5/2010 4:43:35 PM
handy-justice$25.00$25.001/5/2010 4:41:30 PM
Goodlender42$25.00$25.001/5/2010 4:43:43 PM
Cheburashka$30.00$30.001/5/2010 4:44:33 PM
alpinaut$25.00$25.001/5/2010 4:44:46 PM
forthright-dedication$25.00$25.001/5/2010 4:44:58 PM
ven$25.00$25.001/5/2010 4:43:55 PM
teller$60.00$60.001/5/2010 4:44:08 PM
head$25.00$25.001/5/2010 4:44:15 PM
skuba$35.24$35.241/5/2010 4:44:57 PM
platinum-czar$25.00$25.001/6/2010 10:26:34 AM
huorn$25.00$25.001/5/2010 4:31:21 PM
wormdc$25.00$25.001/5/2010 4:34:48 PM
neenerman$75.00$75.001/5/2010 4:38:58 PM
microlendblvr$100.00$100.001/5/2010 4:39:29 PM
secundus$25.00$25.001/5/2010 4:39:33 PM
Havana21$200.00$200.001/5/2010 4:40:38 PM
exciting-responsibility3$25.00$25.001/5/2010 4:41:18 PM
tolstoy00$25.00$25.001/5/2010 4:41:58 PM
figs4u2$80.00$80.001/5/2010 4:42:12 PM
the_winning_ticket$35.00$35.001/5/2010 4:42:38 PM
Attract$25.00$25.001/5/2010 4:42:42 PM
the-money-gargantuan$25.00$25.001/5/2010 4:30:49 PM
Kaj$30.00$30.001/5/2010 4:42:55 PM
fortytwo$200.00$200.001/5/2010 4:31:32 PM
rooosta$25.00$25.001/5/2010 4:44:01 PM
discrete-asset$25.00$25.001/5/2010 4:44:11 PM
meux99$25.00$25.001/5/2010 4:44:18 PM
Cai8899$75.00$75.001/5/2010 4:44:24 PM
buckyhead2000$25.00$25.001/5/2010 4:44:28 PM
aasx1108$25.00$25.001/5/2010 4:30:23 PM
OCedHrt$25.00$25.001/5/2010 4:45:02 PM
Tai$25.00$25.001/5/2010 4:30:46 PM
JGB$25.00$25.001/5/2010 4:30:58 PM
USMC0311$25.00$25.001/5/2010 4:31:06 PM
Binan$25.00$25.001/5/2010 4:38:25 PM
friendly-market5$25.00$25.001/5/2010 4:39:08 PM
meenan$40.00$40.001/5/2010 4:39:25 PM
Carpetkid$50.00$50.001/5/2010 4:40:06 PM
skillful-diversification2$25.00$25.001/5/2010 4:40:14 PM
gold-commander0$50.00$50.001/5/2010 4:40:51 PM
kulender$30.00$30.001/5/2010 4:41:26 PM
unk1911$25.00$25.001/5/2010 4:39:14 PM
aventurer$25.00$25.001/5/2010 4:39:44 PM
bchen78875$50.00$50.001/5/2010 4:42:21 PM
Katburg$50.00$50.001/5/2010 4:42:25 PM
mikeandcat$100.00$100.001/5/2010 4:42:51 PM
first-upright-payout$50.00$50.001/5/2010 4:40:35 PM
cash-boots$25.00$25.001/5/2010 4:43:08 PM
junctionking$25.00$25.001/5/2010 4:40:57 PM
platinum-sorcerer6$25.00$25.001/5/2010 4:43:14 PM
intrepid-transaction5$25.00$25.001/5/2010 4:41:05 PM
toblerone$25.00$25.001/5/2010 4:43:20 PM
Jassi$25.00$25.001/5/2010 4:43:25 PM
Purposeful$50.00$50.001/5/2010 4:43:49 PM
wiselady$25.00$25.001/5/2010 4:43:57 PM
Gibbyland$100.00$100.001/5/2010 4:41:42 PM
schpere$30.00$30.001/5/2010 4:44:16 PM
red-favorable-basis$25.00$25.001/5/2010 4:44:39 PM
DukSerduk$25.00$25.001/5/2010 4:44:45 PM
elegant-income3$25.00$25.001/5/2010 4:44:49 PM
market-builder$25.00$25.001/5/2010 4:44:53 PM
buukyak$25.00$25.001/5/2010 4:43:19 PM
lending_mom$25.00$25.001/5/2010 4:43:28 PM
outtahoth2o$100.00$100.001/5/2010 4:43:48 PM
JJS180$25.00$25.001/5/2010 4:44:32 PM
MidLifeCrisis$50.00$4.761/5/2010 4:45:09 PM
114 bids
 
Borrower Payment Dependent Notes Series 431479
This series of Notes was issued and sold upon the funding of the borrower loan #40334, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 9.40% Starting borrower rate/APR: 10.40% / 12.51% Starting monthly payment: $486.83
Final lender yield: 9.35% Final borrower rate/APR: 10.35% / 12.46% Final monthly payment: $486.48
 
Auction yield range: 4.20% - 9.40% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.22%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-2000 Debt/Income ratio: 17%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:12y 2m
Amount delinquent: $0 Revolving credit balance: $17,424 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 18%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bath030 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?Pay off all credit card debt and leave me debt free except for this payment?

My financial situation:
I am a good candidate for this loan because?I am employed full time and have a good paying job?with an excellent work history and for paying my debts I am never late on any payments and won't be late or default this one Thanks for the help if you can
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is your specific job title and company (or industry)? Have you completed any trade school or college? - clean-camaraderi
A: Hi: I'm a Longshorenan,we unload and load cargo ships from around the world.My employer is The Pacific Maritime Association and have been for about 13 years. I served what is like a 4 year apprenticeship for my position with them. Thanks, (Dec-28-2009)
Q: Could you please break-down the debt you are planing to refinance with this loan? a) Amounts b) Interest Rates c) Your monthly payments d) Min. required payments Please answer publicly. Thanks and good luck with the funding! - zento
A: Hi: They vary from 13.24% to 22.24% with 1 at 14.99%. Minimum monthly Due is about $150.00, There are 6 cards for a total of about $14,150.00 with 1 for $726.00 which if I get this loan will free up my moneny and I will pay it off when it becomes due on Jan. 26, 2010. I can reasonably pay back this loan at $750.00 per month. I curently send each card holder $100.00 to $100.25 per month. I hope this answered your question if not e-mail me again (Dec-30-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
RationalWorld$25.00$25.0012/28/2009 9:17:45 AM
reward-winner$25.00$25.0012/28/2009 9:20:02 AM
currency-oak$25.00$25.0012/28/2009 9:20:16 AM
metro457$25.00$25.0012/28/2009 9:22:47 AM
jdrez$25.00$25.0012/28/2009 9:20:32 AM
Tahoeguy$25.00$25.0012/28/2009 9:21:56 AM
booksleuth$50.00$50.0012/28/2009 9:24:12 AM
skuba$25.00$25.0012/28/2009 9:25:02 AM
Au-Ag-Pt$25.00$25.0012/28/2009 9:18:06 AM
Interloper$25.00$25.0012/28/2009 9:19:24 AM
munnu$25.00$25.0012/28/2009 9:29:06 AM
TheoProf$50.00$50.0012/28/2009 9:30:19 AM
helpinghand75$25.00$25.0012/28/2009 9:30:35 AM
nprfan5$25.00$25.0012/28/2009 9:30:43 AM
capital-amplifier$25.00$25.0012/28/2009 9:32:22 AM
the-silver-blaster$70.00$70.0012/28/2009 9:30:47 AM
cash-boots$25.00$25.0012/28/2009 9:32:36 AM
Tc11902$25.00$25.0012/28/2009 9:32:44 AM
the-profit-oracle$25.00$25.0012/28/2009 9:29:39 AM
economy-structure9$25.00$25.0012/28/2009 9:31:18 AM
ImaPutz$25.00$25.0012/28/2009 9:31:32 AM
BuffetRocks$50.00$50.0012/28/2009 9:33:02 AM
LAKESPRING$25.00$25.0012/28/2009 9:44:43 AM
the-bright-velocity$25.00$25.0012/28/2009 9:45:01 AM
supreme-hope$25.00$25.0012/28/2009 9:39:46 AM
availableloan$25.00$25.0012/28/2009 9:49:07 AM
djh47a$30.00$30.0012/28/2009 9:50:39 AM
moneysuccess$25.00$25.0012/28/2009 9:50:15 AM
elegant-bonus$25.00$25.0012/28/2009 9:50:25 AM
dparkhom$25.00$25.0012/28/2009 9:51:13 AM
ocho$25.00$25.0012/28/2009 9:51:31 AM
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radiant-fund$25.00$25.0012/28/2009 9:51:21 AM
vkorichkov$30.00$30.0012/28/2009 9:44:34 AM
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MARWARISETH$25.00$25.0012/28/2009 9:53:45 AM
Josta$50.00$50.0012/28/2009 9:55:15 AM
responsibility-butterfly$25.00$25.0012/28/2009 9:55:03 AM
tuneman1980$25.00$25.0012/28/2009 9:50:03 AM
srilm$25.00$25.0012/28/2009 9:57:08 AM
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yield-lion$25.00$25.0012/28/2009 9:58:21 AM
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kegs$100.00$100.0012/28/2009 9:51:39 AM
ryelk$25.00$25.0012/28/2009 9:58:37 AM
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trade-pumpkin$25.00$25.0012/28/2009 10:00:04 AM
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personal-lender$25.00$25.0012/28/2009 10:01:21 AM
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astute-dollar$50.00$50.0012/28/2009 9:59:55 AM
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E_G$30.00$30.0012/28/2009 10:00:40 AM
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MrMoney0622$25.00$25.0012/28/2009 10:11:37 AM
Kmac_Lending$25.00$25.0012/28/2009 10:08:20 AM
tidy-dime$25.00$25.0012/28/2009 10:08:26 AM
aventurer$25.00$25.0012/28/2009 10:12:19 AM
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sloan$25.00$25.0012/28/2009 10:06:54 AM
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melodious-fairness$25.00$25.0012/28/2009 10:07:40 AM
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payout-point$50.00$50.0012/28/2009 10:16:31 AM
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lloyd_s$25.00$25.0012/28/2009 10:17:37 AM
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tom48l$25.00$25.0012/28/2009 10:19:48 AM
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best-deal-banker$25.00$25.0012/28/2009 10:20:20 AM
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gourd6$25.00$25.0012/28/2009 10:41:12 AM
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brightest-durability-chomper$25.00$25.0012/28/2009 10:40:33 AM
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winlender$25.00$25.0012/28/2009 10:41:15 AM
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respectful-note$25.00$25.0012/28/2009 10:46:46 AM
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credit-investor5$36.81$36.8112/28/2009 10:48:42 AM
spenrod$50.00$50.0012/28/2009 10:47:14 AM
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lean-velocity$25.00$25.0012/28/2009 10:47:45 AM
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gulch$25.00$25.0012/28/2009 10:08:51 AM
commitment-forte6$25.00$25.0012/28/2009 10:15:53 AM
affluence-tycoon$25.00$25.0012/28/2009 10:16:25 AM
larrybird$100.00$100.0012/28/2009 10:13:17 AM
wonderful-return5$25.00$25.0012/28/2009 10:10:33 AM
wise-extraordinary-loot$30.00$30.0012/28/2009 10:18:08 AM
Steveoo1$25.00$25.0012/28/2009 10:15:31 AM
Prosp_Lender$25.00$25.0012/28/2009 10:11:46 AM
youqianderen$50.00$50.0012/28/2009 10:18:49 AM
skiingawfs$25.00$25.0012/28/2009 10:12:28 AM
docktah$50.00$50.0012/28/2009 10:12:36 AM
kulender$25.00$25.0012/28/2009 10:14:30 AM
burgeoning-silver$25.00$25.0012/28/2009 10:17:27 AM
reward-adventure$25.00$25.0012/28/2009 10:20:27 AM
crenen139$50.00$50.0012/28/2009 10:20:33 AM
peso-colonel$25.00$25.0012/28/2009 10:15:01 AM
bonus-buddy2$35.00$35.0012/28/2009 10:18:20 AM
The-CAPS-fan$30.00$30.0012/28/2009 10:16:04 AM
p123$50.00$50.0012/28/2009 10:21:46 AM
durability-mad-scientist4$100.00$100.0012/28/2009 10:16:37 AM
worklessmakemore$25.00$25.0012/28/2009 10:17:00 AM
CAGE-Investments$100.00$100.0012/28/2009 10:17:19 AM
dignified-finance$25.00$25.0012/28/2009 10:19:16 AM
peaceful-return2$25.00$25.0012/28/2009 10:22:48 AM
top-silver-american$25.00$25.0012/28/2009 10:22:55 AM
digitalrinaldo$25.00$25.0012/28/2009 10:19:31 AM
miked8303$25.00$25.0012/28/2009 10:17:45 AM
trustu$25.00$25.0012/28/2009 10:19:42 AM
SnE$25.00$25.0012/28/2009 10:19:53 AM
museic1$50.00$50.0012/28/2009 10:18:15 AM
Weaverville$25.00$25.0012/28/2009 10:20:05 AM
visionary-community$25.00$25.0012/28/2009 10:23:54 AM
terryaj$25.00$25.0012/28/2009 10:24:02 AM
Cai8899$50.00$50.0012/28/2009 10:18:36 AM
deal-pioneer1$25.00$25.0012/28/2009 10:20:44 AM
highcountry1$25.00$25.0012/28/2009 10:24:47 AM
sxcarlson$50.00$50.0012/28/2009 10:25:28 AM
NR$25.00$25.0012/28/2009 10:21:32 AM
mattbison$25.00$25.0012/28/2009 10:26:30 AM
sensible-order2$25.00$25.0012/28/2009 10:22:31 AM
dhw1$50.00$50.0012/28/2009 10:22:38 AM
geniusj$25.00$25.0012/28/2009 10:20:58 AM
smart-return$25.00$25.0012/28/2009 10:23:02 AM
Carpetkid$25.00$25.0012/28/2009 10:21:04 AM
tsui517$25.00$25.0012/28/2009 10:23:21 AM
CASHGIRL$40.00$40.0012/28/2009 10:23:37 AM
teller$25.00$25.0012/28/2009 10:21:11 AM
community-pipeline8$50.00$50.0012/28/2009 10:21:15 AM
KB4UF$25.00$25.0012/28/2009 10:24:22 AM
jd006006$40.00$40.0012/28/2009 10:24:25 AM
romario$50.00$50.0012/28/2009 10:21:55 AM
benjamins-voyage$25.00$25.0012/28/2009 10:24:31 AM
gold-auctioneer7$25.00$25.0012/28/2009 10:22:03 AM
adama_48$25.00$25.0012/28/2009 10:22:07 AM
junctionking$25.00$25.0012/28/2009 10:22:22 AM
scottr$25.00$25.0012/28/2009 10:25:23 AM
intrepid-transaction5$25.00$25.0012/28/2009 10:22:52 AM
zento$25.00$25.0012/28/2009 10:25:55 AM
money-maniac$50.00$50.0012/28/2009 10:23:40 AM
mmmaacc$25.00$25.0012/28/2009 10:26:35 AM
bountiful-bazaar$25.00$25.0012/28/2009 10:24:10 AM
auction-elvis$25.00$25.0012/28/2009 10:24:17 AM
shanedog$25.00$25.0012/28/2009 10:24:58 AM
neenerman$63.66$63.6612/28/2009 10:29:10 AM
eddievegas415$25.00$25.0012/28/2009 10:26:38 AM
PA2LA$25.00$25.0012/28/2009 10:37:08 AM
CaptainBlueberry$25.00$25.0012/28/2009 10:37:49 AM
bayareainv$50.00$50.0012/28/2009 10:39:49 AM
ijspence$25.00$25.0012/28/2009 10:40:19 AM
diligent-leverage$25.00$25.0012/28/2009 10:40:55 AM
Divot$25.00$25.0012/28/2009 10:36:37 AM
superstar449$25.00$25.0012/28/2009 10:36:10 AM
asdf9876$25.00$25.0012/28/2009 10:39:15 AM
alpinaut$25.00$25.0012/28/2009 10:39:57 AM
open-minded-credit4$25.00$25.0012/28/2009 10:45:57 AM
d_grbg$25.00$25.0012/28/2009 10:46:06 AM
secundus$25.00$25.0012/28/2009 10:38:24 AM
majestic-dedication$50.00$50.0012/28/2009 10:39:01 AM
point-zebra$25.00$25.0012/28/2009 10:46:49 AM
hope-encourager$25.00$25.0012/28/2009 10:46:57 AM
bonus-adventure3$50.00$50.0012/28/2009 10:47:00 AM
STOCKBROKER1$25.00$25.0012/28/2009 10:39:35 AM
jsw7us$50.00$50.0012/28/2009 10:47:18 AM
LAAJ38$25.00$25.0012/28/2009 10:39:52 AM
WHEREISTHEMOON$25.00$25.0012/28/2009 10:49:06 AM
Jmatt33$25.00$25.0012/28/2009 10:45:05 AM
loan-warrior$25.00$25.0012/28/2009 10:50:18 AM
SCOTTOL$25.00$25.0012/28/2009 10:50:49 AM
dedicated-diversification5$75.00$75.0012/28/2009 10:46:39 AM
bluesky07$25.00$25.0012/28/2009 10:47:07 AM
aspen5$25.00$25.0012/28/2009 10:45:23 AM
forthright-dedication$25.00$25.0012/28/2009 10:46:33 AM
greenwell$50.00$50.0012/28/2009 10:47:32 AM
kvandivo$25.00$25.0012/28/2009 10:47:43 AM
Musicman1950$25.00$25.0012/28/2009 10:47:48 AM
foxy-vigilance$25.00$25.0012/28/2009 10:50:40 AM
Taxman44$25.00$25.0012/28/2009 10:48:49 AM
first-upright-payout$50.00$50.0012/28/2009 10:48:55 AM
roccofox$50.00$50.0012/28/2009 10:49:49 AM
pure-silver$25.00$25.0012/28/2009 11:07:11 AM
Tc11902$50.00$50.0012/28/2009 11:00:33 AM
triumph329$50.00$50.0012/28/2009 11:38:03 AM
cognizant-rate732$100.00$100.0012/28/2009 12:09:01 PM
helping-out$25.00$25.0012/28/2009 1:08:07 PM
admirable-credit$25.00$25.0012/29/2009 1:00:23 AM
wonderous-power$25.00$25.0012/29/2009 1:42:53 AM
yield-hero4$50.00$50.0012/29/2009 10:39:02 AM
SCD$25.00$25.0012/29/2009 6:26:05 PM
afterhours$25.71$25.7112/29/2009 7:46:08 PM
ritwik$50.00$50.0012/30/2009 4:48:18 PM
dime-neutron$25.00$25.0012/31/2009 3:15:51 AM
blindtaxidriver$25.00$25.0012/31/2009 6:25:55 AM
Dollars4Rent$25.00$25.0012/31/2009 11:30:52 AM
rjsdsu$25.00$25.0012/31/2009 10:39:23 AM
interstellar$50.00$50.0012/31/2009 1:40:16 PM
e3oM$50.00$50.0012/31/2009 8:51:03 PM
Moneypenny6$25.00$25.001/1/2010 8:25:21 AM
greenback-companion8$25.00$25.001/1/2010 1:38:37 PM
BOZO88$50.00$50.001/1/2010 7:06:59 PM
intuitive-bill$25.00$25.001/2/2010 9:50:27 AM
d_grbg$25.00$25.001/2/2010 7:27:28 AM
psbruce$25.00$25.001/2/2010 8:47:54 PM
Astyanax$25.00$25.001/2/2010 9:46:53 PM
BOZO88$25.00$25.001/2/2010 1:43:10 PM
one-midas$25.00$25.001/3/2010 5:58:13 PM
wbahl$29.98$29.981/3/2010 9:59:30 PM
TBCapitol$50.00$50.001/4/2010 8:17:20 AM
423 bids
 
Borrower Payment Dependent Notes Series 433055
This series of Notes was issued and sold upon the funding of the borrower loan #40314, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 14.05% Starting borrower rate/APR: 15.05% / 17.22% Starting monthly payment: $312.21
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $311.99
 
Auction yield range: 6.20% - 14.05% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.76%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-1995 Debt/Income ratio: 17%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $37,806 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: first-worldly-affluence Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
To consolidate and pay off all my credit card debit. The cost savings in interest will allow me to start saving money for my daughter?s education.

My financial situation:
I am a good candidate for this loan because I currently have a great job as a civil engineer that provides steady income for my family. In this economy I feel very fortunate to have a career with plenty of job security. I have a long bright future with my current company.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Is there any other household income? Does your spouse work? - marala4285
A: There is other household income. My spouse does work. (Jan-03-2010)
Q: Could you please break down the credit card debt you're planning to refinance with this loan? Thanks. - rockhound84
A: 55% of my credit card debt is on one card. The APR is about to be doubled at the end of the month. I would like to keep the account open while trying to pay off the remaining balance as quickly as possible. Everything that I?ve read says that closing the account would reflect negatively on my credit score. I?ve had this account for 8 years and it?s in good standing with no late payments. (Jan-03-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Lilred7879$50.00$50.0012/28/2009 9:18:15 AM
Interloper$25.00$25.0012/28/2009 9:19:25 AM
currency-oak$25.00$25.0012/28/2009 9:20:15 AM
Supernick$100.00$100.0012/28/2009 9:24:48 AM
gulch$25.00$25.0012/28/2009 9:24:57 AM
skuba$25.00$25.0012/28/2009 9:25:03 AM
the-money-gargantuan$25.00$25.0012/28/2009 9:25:22 AM
jdrez$25.00$25.0012/28/2009 9:20:31 AM
cptproton$25.00$25.0012/28/2009 9:30:26 AM
AF-Chief$35.00$35.0012/28/2009 9:24:19 AM
munnu$25.00$25.0012/28/2009 9:29:05 AM
economy-structure9$25.00$25.0012/28/2009 9:31:18 AM
ImaPutz$25.00$25.0012/28/2009 9:31:32 AM
gracej$25.00$25.0012/28/2009 9:29:59 AM
orange-preeminant-bill$100.00$100.0012/28/2009 9:26:38 AM
heng2x$25.00$25.0012/28/2009 9:30:58 AM
BuffetRocks$50.00$50.0012/28/2009 9:33:02 AM
supreme-hope$25.00$25.0012/28/2009 9:39:46 AM
vkorichkov$30.00$30.0012/28/2009 9:44:33 AM
Fiimg$50.00$50.0012/28/2009 9:47:45 AM
fcukciti$25.00$25.0012/28/2009 9:47:55 AM
creative-gold$25.00$25.0012/28/2009 9:48:35 AM
dunox$25.00$25.0012/28/2009 9:49:24 AM
Onesiphorus$25.00$25.0012/28/2009 9:50:59 AM
calm-deal7$25.00$25.0012/28/2009 9:43:59 AM
flwah$25.00$25.0012/28/2009 9:45:16 AM
portfolio-zone801$25.00$25.0012/28/2009 9:52:18 AM
kmr2$50.00$50.0012/28/2009 9:53:04 AM
egw$25.00$25.0012/28/2009 9:53:14 AM
a-special-power$25.00$25.0012/28/2009 9:54:23 AM
PeterV$25.00$25.0012/28/2009 9:53:34 AM
best-phenomenal-treasure$25.00$25.0012/28/2009 9:54:31 AM
Siafu$25.00$25.0012/28/2009 9:54:15 AM
LiquidLender$25.00$25.0012/28/2009 9:56:11 AM
Josta$50.00$50.0012/28/2009 9:55:16 AM
plentiful-reward$50.00$50.0012/28/2009 9:50:51 AM
yachtiegirl$25.00$25.0012/28/2009 9:56:18 AM
lagnisiruk$25.00$25.0012/28/2009 9:56:22 AM
ghinga$50.00$50.0012/28/2009 9:56:43 AM
julijask$25.00$25.0012/28/2009 9:52:04 AM
head$25.00$25.0012/28/2009 9:52:45 AM
BigMoney56$25.00$25.0012/28/2009 9:52:51 AM
Havana21$25.00$25.0012/28/2009 9:58:13 AM
ryelk$25.00$25.0012/28/2009 9:58:36 AM
helpu88$25.00$25.0012/28/2009 9:56:03 AM
sidney102$50.00$50.0012/28/2009 10:03:02 AM
tremendous-payment$25.00$25.0012/28/2009 10:00:49 AM
Kaj$25.00$25.0012/28/2009 10:03:50 AM
desertoasis$25.00$25.0012/28/2009 9:57:17 AM
integrity-doctor$50.00$50.0012/28/2009 9:58:05 AM
techvet$25.00$25.0012/28/2009 10:04:48 AM
sharkm$40.00$40.0012/28/2009 9:58:43 AM
wiltonbound$25.00$25.0012/28/2009 10:02:36 AM
hitsman$50.00$50.0012/28/2009 10:02:44 AM
Pizza-man$50.00$50.0012/28/2009 9:59:19 AM
maule$25.00$25.0012/28/2009 10:05:37 AM
hope-eagle6$25.00$25.0012/28/2009 10:03:23 AM
roto$25.00$25.0012/28/2009 10:03:41 AM
thestartuplender$35.00$35.0012/28/2009 10:03:57 AM
galaxy1$25.00$25.0012/28/2009 10:00:20 AM
blooming-dedication$50.00$50.0012/28/2009 10:07:04 AM
Diamond_Jim$25.00$25.0012/28/2009 10:00:31 AM
E_G$30.00$30.0012/28/2009 10:00:39 AM
brazilofmux$100.00$100.0012/28/2009 10:07:25 AM
melodious-fairness$25.00$25.0012/28/2009 10:07:39 AM
money2k$25.00$25.0012/28/2009 10:07:48 AM
credit-kahuna$100.00$100.0012/28/2009 10:00:58 AM
Kmac_Lending$25.00$25.0012/28/2009 10:08:20 AM
aldeed$25.00$25.0012/28/2009 10:08:47 AM
bchen78875$25.00$25.0012/28/2009 10:01:54 AM
WalnutCreekguy$33.00$33.0012/28/2009 10:02:08 AM
Buffer10$100.00$100.0012/28/2009 10:06:45 AM
useful-p2ploan$50.00$50.0012/28/2009 10:03:17 AM
fortytwo$150.00$150.0012/28/2009 10:08:03 AM
LenderByDay$25.00$25.0012/28/2009 10:08:08 AM
note-tent$25.00$25.0012/28/2009 10:04:31 AM
SNH$50.00$50.0012/28/2009 10:04:59 AM
Ven58$25.00$25.0012/28/2009 10:57:13 AM
minista$25.00$25.0012/28/2009 11:17:48 AM
glimmering-credit4$25.00$25.0012/28/2009 11:00:48 AM
jetblack$29.98$29.9812/28/2009 11:14:14 AM
longisland47m$25.00$25.0012/28/2009 3:58:43 PM
scottr$25.00$25.0012/28/2009 8:31:36 PM
Bob450$50.00$50.0012/28/2009 10:13:43 PM
admirable-credit$25.00$25.0012/29/2009 1:00:24 AM
charitycoon$100.00$100.0012/29/2009 1:12:31 PM
steady-dime$100.00$100.0012/29/2009 3:33:13 PM
B-rad_the_Coug$25.00$25.0012/29/2009 5:22:39 PM
3am-preacher$25.00$25.0012/29/2009 5:22:36 PM
RedCentre$54.64$54.6412/29/2009 5:27:11 PM
KingCroesus$25.00$25.0012/29/2009 9:04:24 PM
Goodlender42$25.00$25.0012/30/2009 7:16:33 AM
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krink1$25.00$25.0012/30/2009 9:28:08 PM
dime-neutron$25.00$25.0012/31/2009 3:15:53 AM
InvestForWealth$33.83$33.8312/31/2009 9:16:45 AM
rockhound84$25.00$25.0012/31/2009 9:34:16 AM
exchange-cowbell5$150.00$150.0012/31/2009 12:22:50 PM
rmpedi33$100.00$100.0012/31/2009 12:55:03 PM
merlin981$33.17$33.1712/31/2009 1:07:27 PM
scottypip$25.00$25.0012/31/2009 4:25:02 PM
shalofin$44.90$44.901/1/2010 12:03:53 AM
OldManP$25.00$25.0012/31/2009 9:11:20 PM
principal-star$25.00$25.0012/31/2009 5:52:24 PM
Trondheim_Norway$75.00$75.0012/31/2009 9:26:16 PM
cerebral-return3$25.00$25.001/1/2010 1:18:38 PM
durability-halibut$25.00$25.001/1/2010 10:56:30 AM
aurorafinancial$50.00$50.001/1/2010 11:17:29 AM
1SteelerFan$25.00$25.001/1/2010 11:01:45 PM
JTHarris$25.00$25.001/2/2010 7:23:40 AM
Loan_shark718$40.00$40.001/2/2010 6:53:46 AM
marala4285$25.00$25.001/2/2010 1:49:22 PM
Greenrenov$50.00$50.001/2/2010 4:36:19 PM
Astyanax$25.00$25.001/2/2010 9:49:36 PM
WilliamLeeSims$25.00$25.001/2/2010 9:06:36 PM
pokerfan$50.00$50.001/3/2010 3:10:13 PM
skillful-asset5$100.00$100.001/3/2010 2:21:30 PM
StanTheMan$29.68$29.681/3/2010 2:21:14 PM
jybank$25.00$25.001/3/2010 8:25:30 PM
Feyenoord$25.00$25.001/3/2010 8:31:42 PM
rockhound84$25.00$25.001/3/2010 6:23:15 PM
velocity-winner$25.00$25.001/3/2010 7:18:45 PM
d_grbg$25.00$25.001/4/2010 7:17:04 AM
patriot384$100.00$100.001/4/2010 7:28:46 AM
p2ploan-sensation211$50.00$50.001/4/2010 7:38:36 AM
CashBank$25.00$25.001/4/2010 9:08:55 AM
reward-winner$25.00$25.0012/28/2009 9:20:00 AM
metro457$25.00$25.0012/28/2009 9:22:46 AM
ljay$25.00$25.0012/28/2009 9:24:29 AM
Tahoeguy$25.00$25.0012/28/2009 9:21:55 AM
rdrloan$25.00$25.0012/28/2009 9:23:13 AM
booksleuth$50.00$50.0012/28/2009 9:24:11 AM
the-silver-blaster$70.00$70.0012/28/2009 9:30:48 AM
a-resplendent-asset$25.00$25.0012/28/2009 9:24:37 AM
the-debt-fluffy-bunny$25.00$25.0012/28/2009 9:31:05 AM
Artist_Blue$25.00$25.0012/28/2009 9:29:49 AM
inforapenny$25.00$25.0012/28/2009 9:25:48 AM
buddy486$25.00$25.0012/28/2009 9:30:13 AM
TheoProf$50.00$50.0012/28/2009 9:30:18 AM
loanfairy$25.00$25.0012/28/2009 9:26:29 AM
nprfan5$25.00$25.0012/28/2009 9:30:42 AM
Cheburashka$25.00$25.0012/28/2009 9:32:56 AM
capital-amplifier$25.00$25.0012/28/2009 9:32:21 AM
cash-boots$25.00$25.0012/28/2009 9:32:36 AM
Tc11902$25.00$25.0012/28/2009 9:32:43 AM
the-profit-oracle$25.00$25.0012/28/2009 9:29:40 AM
helpinghand75$25.00$25.0012/28/2009 9:30:35 AM
brilliant-revenue$25.00$25.0012/28/2009 9:31:40 AM
spruce2$25.00$25.0012/28/2009 9:32:13 AM
LAKESPRING$25.00$25.0012/28/2009 9:44:42 AM
Bio-physicist$25.00$25.0012/28/2009 9:43:26 AM
the-bright-velocity$25.00$25.0012/28/2009 9:45:01 AM
SilverRain$25.00$25.0012/28/2009 9:48:16 AM
moneysuccess$25.00$25.0012/28/2009 9:50:14 AM
tuneman1980$25.00$25.0012/28/2009 9:50:03 AM
elegant-bonus$25.00$25.0012/28/2009 9:50:24 AM
djh47a$30.00$30.0012/28/2009 9:50:38 AM
kegs$100.00$100.0012/28/2009 9:51:40 AM
red-favorable-basis$25.00$25.0012/28/2009 9:51:05 AM
radiant-fund$25.00$25.0012/28/2009 9:51:20 AM
foxy-fund$50.00$50.0012/28/2009 9:52:29 AM
ibuystk$50.00$50.0012/28/2009 9:51:51 AM
Trojan1976$25.00$25.0012/28/2009 9:53:21 AM
littlemonkey$25.00$25.0012/28/2009 9:52:37 AM
Rob717171$25.00$25.0012/28/2009 9:46:56 AM
MARWARISETH$25.00$25.0012/28/2009 9:53:45 AM
boater01$50.00$50.0012/28/2009 9:54:52 AM
Aquani$50.00$50.0012/28/2009 9:55:47 AM
responsibility-butterfly$25.00$25.0012/28/2009 9:55:03 AM
Phantom99$25.00$25.0012/28/2009 9:49:40 AM
currency-prometheus$25.00$25.0012/28/2009 9:55:27 AM
Reinadog9$25.00$25.0012/28/2009 9:49:49 AM
agwosdof$100.00$100.0012/28/2009 9:55:37 AM
jbaum$25.00$25.0012/28/2009 9:56:55 AM
PhalanxBulldog$25.00$25.0012/28/2009 9:55:57 AM
aasx1108$25.00$25.0012/28/2009 9:57:52 AM
ocho$25.00$25.0012/28/2009 9:51:30 AM
Doodlemeyer$25.00$25.0012/28/2009 9:58:48 AM
balanced-balance6$50.00$50.0012/28/2009 9:57:37 AM
principal-kung-fu$25.00$25.0012/28/2009 9:57:45 AM
trade-pumpkin$25.00$25.0012/28/2009 10:00:04 AM
yield-lion$25.00$25.0012/28/2009 9:58:22 AM
punctual-power7$25.00$25.0012/28/2009 9:59:04 AM
personal-lender$25.00$25.0012/28/2009 10:01:22 AM
rolandweary$40.00$40.0012/28/2009 10:01:32 AM
elegant-income3$30.00$30.0012/28/2009 9:59:29 AM
RetiredATC$25.00$25.0012/28/2009 10:01:39 AM
dedicated-diversification5$100.00$100.0012/28/2009 9:59:49 AM
shrewd-deal$25.00$25.0012/28/2009 10:02:53 AM
srilm$25.00$25.0012/28/2009 9:57:07 AM
wayman$50.00$50.0012/28/2009 10:02:16 AM
benefit-squirrel$30.00$30.0012/28/2009 10:02:24 AM
duty-monger$50.00$50.0012/28/2009 10:03:11 AM
exact-loan5$25.00$25.0012/28/2009 10:05:48 AM
TennSquire$25.00$25.0012/28/2009 10:05:59 AM
worldly-community3$25.00$25.0012/28/2009 10:06:10 AM
forthright-social$25.00$25.0012/28/2009 9:59:43 AM
flopcat$25.00$25.0012/28/2009 10:06:19 AM
astute-dollar$50.00$50.0012/28/2009 9:59:55 AM
orange-courageous-dedication$30.00$30.0012/28/2009 10:04:05 AM
Picopie$50.00$50.0012/28/2009 10:05:10 AM
payout-achievement$40.00$40.0012/28/2009 10:01:08 AM
ferocious-exchange3$25.00$25.0012/28/2009 10:06:38 AM
tidy-dime$25.00$25.0012/28/2009 10:08:25 AM
kchen486$25.00$25.0012/28/2009 10:04:15 AM
54CHEVY$25.00$25.0012/28/2009 10:05:28 AM
sloan$25.00$25.0012/28/2009 10:06:55 AM
skiberdad$50.00$50.0012/28/2009 10:08:13 AM
bold-yield-rumbler$25.00$7.2412/28/2009 10:09:00 AM
zento$25.00$25.0012/28/2009 10:23:03 AM
sparkmeister$25.00$25.0012/28/2009 10:59:21 AM
brightest-dignified-penny$25.00$25.0012/28/2009 3:42:15 PM
interstellar$26.11$26.1112/28/2009 4:06:18 PM
Syzygy$25.00$25.0012/28/2009 6:42:25 PM
JustMee$25.00$25.0012/28/2009 9:40:00 PM
balance-chestnut$50.00$50.0012/29/2009 7:43:54 AM
Dskillz$26.09$26.0912/29/2009 10:14:48 AM
yield-hero4$50.00$50.0012/29/2009 10:37:59 AM
FinanceEngine$25.00$25.0012/29/2009 9:47:37 AM
JackinGreen$75.00$75.0012/29/2009 4:04:08 PM
currency-agave$25.00$25.0012/29/2009 5:14:12 PM
texrob20$25.00$25.0012/29/2009 5:22:38 PM
orbiter614$39.15$39.1512/29/2009 5:24:08 PM
ultimatepaintball$25.00$25.0012/29/2009 5:24:40 PM
ManhattanLender$25.00$25.0012/29/2009 5:27:08 PM
blue-heartpounding-silver$25.00$25.0012/29/2009 8:02:33 PM
cloud8$25.03$25.0312/30/2009 12:16:45 PM
KTOWN$37.18$37.1812/30/2009 3:45:13 PM
FG9YTR$25.00$25.0012/31/2009 9:43:25 AM
Havnfun$25.00$25.0012/31/2009 2:14:06 PM
KimsKash$50.00$50.0012/31/2009 5:38:43 PM
spiff666$25.00$25.001/1/2010 8:52:08 AM
Occhy$25.00$25.001/1/2010 11:15:33 AM
wonderous-power$25.00$25.001/2/2010 5:37:06 AM
blissful-penny$50.00$50.001/1/2010 10:00:37 PM
revenue-serenity$25.00$25.001/1/2010 10:55:21 PM
orange-value-exec$25.00$25.001/2/2010 4:18:33 AM
peaceful-cash5$25.00$25.001/2/2010 5:07:36 PM
fair-rate$50.00$50.001/2/2010 10:19:19 PM
Greenrenov$50.00$50.001/2/2010 4:45:31 PM
1stAmericanCapital$25.00$25.001/2/2010 8:05:37 PM
Astyanax$25.00$25.001/2/2010 9:48:56 PM
creative-reward1$25.00$25.001/3/2010 6:48:55 PM
benefit-flow$75.00$75.001/3/2010 4:51:33 PM
marala4285$25.00$25.001/3/2010 5:17:09 PM
justin323$25.00$25.001/3/2010 6:40:23 PM
bonus-adventure3$25.00$25.001/3/2010 11:59:33 PM
The-CAPS-fan$45.00$45.001/4/2010 7:56:49 AM
momentous-transaction8$30.00$30.001/4/2010 5:10:57 AM
wild-orange$25.00$25.001/4/2010 6:10:08 AM
doomsday18$25.00$25.001/4/2010 6:47:08 AM
megich06$50.00$50.001/4/2010 8:19:53 AM
careful-compassion$100.00$100.001/4/2010 8:34:17 AM
253 bids
 
Borrower Payment Dependent Notes Series 437911
This series of Notes was issued and sold upon the funding of the borrower loan #40331, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $319.86
Final lender yield: 8.35% Final borrower rate/APR: 9.35% / 11.45% Final monthly payment: $319.63
 
Auction yield range: 4.20% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.23%  
<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: Aug-1987 Debt/Income ratio: 29%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 21 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:22y 4m
Amount delinquent: $0 Revolving credit balance: $15,891 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: thankful-reward1 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?consolidate

My financial situation:
I am a good candidate for this loan because I have good credit and would like to take advantage of the lower current market?
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 there any other household income? Is your spouse working? - marala4285
A: yes (Jan-02-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Interloper$25.00$25.0012/28/2009 9:19:26 AM
metro457$25.00$25.0012/28/2009 9:22:46 AM
AF-Chief$35.00$35.0012/28/2009 9:24:19 AM
ljay$25.00$25.0012/28/2009 9:24:29 AM
Lilred7879$50.00$50.0012/28/2009 9:18:15 AM
gracej$25.00$25.0012/28/2009 9:29:59 AM
booksleuth$50.00$50.0012/28/2009 9:24:11 AM
buddy486$25.00$25.0012/28/2009 9:30:12 AM
loanfairy$25.00$25.0012/28/2009 9:26:28 AM
helpinghand75$25.00$25.0012/28/2009 9:30:36 AM
nprfan5$25.00$25.0012/28/2009 9:30:42 AM
rpatusa$25.00$25.0012/28/2009 9:30:54 AM
the-debt-fluffy-bunny$25.00$25.0012/28/2009 9:31:04 AM
economy-structure9$25.00$25.0012/28/2009 9:31:17 AM
capital-amplifier$25.00$25.0012/28/2009 9:32:21 AM
munnu$25.00$25.0012/28/2009 9:29:05 AM
Cheburashka$25.00$25.0012/28/2009 9:32:55 AM
TheoProf$50.00$50.0012/28/2009 9:30:18 AM
cptproton$25.00$25.0012/28/2009 9:30:26 AM
heng2x$25.00$25.0012/28/2009 9:30:58 AM
Tc11902$25.00$25.0012/28/2009 9:32:43 AM
Bio-physicist$25.00$25.0012/28/2009 9:43:25 AM
flwah$25.00$25.0012/28/2009 9:45:17 AM
the-bright-velocity$25.00$25.0012/28/2009 9:45:00 AM
SilverRain$25.00$25.0012/28/2009 9:48:15 AM
Phantom99$25.00$25.0012/28/2009 9:49:39 AM
Reinadog9$25.00$25.0012/28/2009 9:49:49 AM
moneysuccess$25.00$25.0012/28/2009 9:50:14 AM
plentiful-reward$50.00$50.0012/28/2009 9:50:50 AM
Onesiphorus$25.00$25.0012/28/2009 9:51:00 AM
foxy-fund$50.00$50.0012/28/2009 9:52:28 AM
LAKESPRING$25.00$25.0012/28/2009 9:44:42 AM
ibuystk$50.00$50.0012/28/2009 9:51:52 AM
kmr2$50.00$50.0012/28/2009 9:53:04 AM
Fiimg$50.00$50.0012/28/2009 9:47:44 AM
best-phenomenal-treasure$25.00$25.0012/28/2009 9:54:31 AM
responsibility-butterfly$25.00$25.0012/28/2009 9:55:02 AM
currency-prometheus$25.00$25.0012/28/2009 9:55:26 AM
agwosdof$100.00$100.0012/28/2009 9:55:37 AM
elegant-bonus$25.00$25.0012/28/2009 9:50:23 AM
principal-kung-fu$25.00$25.0012/28/2009 9:57:44 AM
integrity-doctor$50.00$50.0012/28/2009 9:58:04 AM
swm$25.00$25.0012/28/2009 9:56:34 AM
radiant-fund$25.00$25.0012/28/2009 9:51:20 AM
balanced-balance6$50.00$50.0012/28/2009 9:57:36 AM
littlemonkey$25.00$25.0012/28/2009 9:52:37 AM
egw$25.00$25.0012/28/2009 9:53:13 AM
trade-pumpkin$25.00$25.0012/28/2009 10:00:03 AM
Pizza-man$50.00$50.0012/28/2009 9:59:18 AM
WalnutCreekguy$33.00$33.0012/28/2009 10:02:09 AM
dedicated-diversification5$190.00$190.0012/28/2009 9:59:49 AM
wiltonbound$25.00$25.0012/28/2009 10:02:35 AM
Aquani$50.00$50.0012/28/2009 9:55:48 AM
galaxy1$25.00$25.0012/28/2009 10:00:18 AM
LiquidLender$25.00$25.0012/28/2009 9:56:10 AM
jbaum$25.00$25.0012/28/2009 9:56:54 AM
thestartuplender$35.00$35.0012/28/2009 10:03:57 AM
yield-lion$25.00$25.0012/28/2009 9:58:23 AM
benefit-squirrel$30.00$30.0012/28/2009 10:02:23 AM
shrewd-deal$25.00$25.0012/28/2009 10:02:52 AM
54CHEVY$25.00$25.0012/28/2009 10:05:27 AM
sidney102$50.00$50.0012/28/2009 10:03:02 AM
duty-monger$50.00$50.0012/28/2009 10:03:12 AM
useful-p2ploan$50.00$50.0012/28/2009 10:03:16 AM
flopcat$25.00$25.0012/28/2009 10:06:18 AM
personal-lender$25.00$25.0012/28/2009 10:01:23 AM
bold-yield-rumbler$25.00$25.0012/28/2009 10:08:59 AM
TennSquire$25.00$25.0012/28/2009 10:06:01 AM
diplomatic-point4$50.00$50.0012/28/2009 10:09:23 AM
ferocious-exchange3$25.00$25.0012/28/2009 10:06:37 AM
MoneyMaker249$25.00$25.0012/28/2009 10:10:16 AM
wonderful-return5$25.00$25.0012/28/2009 10:10:32 AM
brazilofmux$100.00$100.0012/28/2009 10:07:27 AM
skiberdad$35.97$35.9712/28/2009 10:08:13 AM
orange-courageous-dedication$30.00$30.0012/28/2009 10:04:04 AM
kchen486$25.00$25.0012/28/2009 10:04:15 AM
DRA-Properties$25.00$25.0012/28/2009 10:09:12 AM
Picopie$50.00$50.0012/28/2009 10:05:09 AM
swoosh$25.00$25.0012/28/2009 10:05:22 AM
larrybird$100.00$100.0012/28/2009 10:13:19 AM
Binan$25.00$25.0012/28/2009 10:10:05 AM
Frugal$25.00$25.0012/28/2009 10:06:06 AM
18th_beachbum$25.00$25.0012/28/2009 10:14:12 AM
microlendblvr$150.00$150.0012/28/2009 10:11:03 AM
sloan$25.00$25.0012/28/2009 10:06:56 AM
treasure-bliss$100.00$100.0012/28/2009 10:14:50 AM
peso-colonel$25.00$25.0012/28/2009 10:14:59 AM
money2k$25.00$25.0012/28/2009 10:07:49 AM
dmfog$25.00$25.0012/28/2009 10:12:43 AM
CSUgrad08$25.00$25.0012/28/2009 10:13:11 AM
don8ter$25.00$25.0012/28/2009 10:16:47 AM
systemlender$25.00$25.0012/28/2009 10:10:48 AM
Luv2Bless$25.00$25.0012/28/2009 10:10:56 AM
paladin847$25.00$25.0012/28/2009 10:14:44 AM
museic1$50.00$50.0012/28/2009 10:18:14 AM
Prosp_Lender$25.00$25.0012/28/2009 10:11:45 AM
xstreamin$25.00$25.0012/28/2009 10:18:54 AM
PocketAces$25.00$25.0012/28/2009 10:15:44 AM
docktah$50.00$50.0012/28/2009 10:12:35 AM
commitment-forte6$25.00$25.0012/28/2009 10:15:52 AM
Macinvest$25.00$25.0012/28/2009 10:19:35 AM
payout-point$50.00$50.0012/28/2009 10:16:29 AM
tom48l$25.00$25.0012/28/2009 10:19:47 AM
worklessmakemore$25.00$25.0012/28/2009 10:16:58 AM
mikeandcat$50.00$50.0012/28/2009 10:17:14 AM
piter-to-la-investment$25.00$25.0012/28/2009 10:15:36 AM
Interstate_Rate$500.00$500.0012/28/2009 10:16:15 AM
Dutchhunter$25.00$25.0012/28/2009 10:19:10 AM
dignified-finance$25.00$25.0012/28/2009 10:19:15 AM
lloyd_s$25.00$25.0012/28/2009 10:17:36 AM
hyetech$35.00$35.0012/28/2009 10:19:25 AM
bonus-buddy2$35.00$35.0012/28/2009 10:18:21 AM
Clambake$50.00$50.0012/28/2009 10:18:31 AM
Weaverville$25.00$20.8512/28/2009 10:20:04 AM
wonderous-power$25.00$25.0012/29/2009 1:44:06 AM
agreement-bunny$25.00$25.0012/29/2009 3:42:21 PM
Syzygy$25.00$25.0012/29/2009 4:17:37 PM
order-rider$100.00$100.0012/29/2009 4:19:29 PM
nocal_lender$25.00$25.0012/30/2009 6:34:05 AM
rce1964$25.00$25.0012/30/2009 1:05:44 AM
LawyerLoan$25.00$25.0012/30/2009 10:53:22 AM
Spiv_51$25.00$25.001/1/2010 4:55:14 AM
durability-halibut$25.00$25.001/1/2010 10:57:06 AM
interstellar$50.00$50.001/1/2010 8:31:51 PM
mburke3434$25.00$25.001/3/2010 11:45:39 PM
rmpedi33$150.00$150.001/4/2010 7:39:53 AM
reward-winner$25.00$25.0012/28/2009 9:20:00 AM
Tahoeguy$25.00$25.0012/28/2009 9:21:55 AM
currency-oak$25.00$25.0012/28/2009 9:20:14 AM
a-resplendent-asset$25.00$25.0012/28/2009 9:24:37 AM
Supernick$100.00$100.0012/28/2009 9:24:48 AM
skuba$25.00$25.0012/28/2009 9:25:03 AM
fortytwo$80.18$80.1812/28/2009 9:24:01 AM
blessedpair$50.00$50.0012/28/2009 9:18:13 AM
jdrez$25.00$25.0012/28/2009 9:20:31 AM
Artist_Blue$25.00$25.0012/28/2009 9:29:49 AM
gulch$25.00$25.0012/28/2009 9:24:57 AM
the-profit-oracle$25.00$25.0012/28/2009 9:29:40 AM
the-money-gargantuan$25.00$25.0012/28/2009 9:25:22 AM
brilliant-revenue$25.00$25.0012/28/2009 9:31:40 AM
spruce2$25.00$25.0012/28/2009 9:32:13 AM
orange-preeminant-bill$100.00$100.0012/28/2009 9:26:37 AM
the-silver-blaster$70.00$70.0012/28/2009 9:30:48 AM
BuffetRocks$50.00$50.0012/28/2009 9:33:02 AM
ImaPutz$25.00$25.0012/28/2009 9:31:31 AM
cash-boots$25.00$25.0012/28/2009 9:32:35 AM
supreme-hope$25.00$25.0012/28/2009 9:39:45 AM
vkorichkov$30.00$30.0012/28/2009 9:44:33 AM
Rob717171$25.00$25.0012/28/2009 9:46:58 AM
jwood3030$25.00$25.0012/28/2009 9:47:30 AM
fcukciti$25.00$25.0012/28/2009 9:47:54 AM
creative-gold$25.00$25.0012/28/2009 9:48:33 AM
dunox$25.00$25.0012/28/2009 9:49:23 AM
calm-deal7$25.00$25.0012/28/2009 9:43:59 AM
ocho$25.00$25.0012/28/2009 9:51:29 AM
BigMoney56$25.00$25.0012/28/2009 9:52:51 AM
julijask$25.00$25.0012/28/2009 9:52:05 AM
portfolio-zone801$25.00$25.0012/28/2009 9:52:18 AM
PeterV$25.00$25.0012/28/2009 9:53:33 AM
MARWARISETH$25.00$25.0012/28/2009 9:53:44 AM
Siafu$25.00$25.0012/28/2009 9:54:15 AM
a-special-power$25.00$25.0012/28/2009 9:54:22 AM
dime-beeper$25.00$25.0012/28/2009 9:53:50 AM
Josta$50.00$50.0012/28/2009 9:55:16 AM
helpu88$25.00$25.0012/28/2009 9:56:04 AM
yachtiegirl$25.00$25.0012/28/2009 9:56:17 AM
srilm$25.00$25.0012/28/2009 9:57:06 AM
djh47a$30.00$30.0012/28/2009 9:50:37 AM
lagnisiruk$25.00$25.0012/28/2009 9:56:22 AM
red-favorable-basis$25.00$25.0012/28/2009 9:51:06 AM
ghinga$50.00$50.0012/28/2009 9:56:42 AM
ryelk$25.00$25.0012/28/2009 9:58:35 AM
kegs$100.00$100.0012/28/2009 9:51:41 AM
punctual-power7$25.00$25.0012/28/2009 9:59:03 AM
elegant-income3$30.00$30.0012/28/2009 9:59:29 AM
head$25.00$25.0012/28/2009 9:52:45 AM
forthright-social$25.00$25.0012/28/2009 9:59:42 AM
astute-dollar$50.00$50.0012/28/2009 9:59:54 AM
Trojan1976$25.00$25.0012/28/2009 9:53:22 AM
Diamond_Jim$25.00$25.0012/28/2009 10:00:30 AM
E_G$30.00$30.0012/28/2009 10:00:39 AM
tremendous-payment$25.00$25.0012/28/2009 10:00:48 AM
boater01$50.00$50.0012/28/2009 9:54:52 AM
credit-kahuna$100.00$100.0012/28/2009 10:00:57 AM
payout-achievement$40.00$40.0012/28/2009 10:01:07 AM
desertoasis$25.00$25.0012/28/2009 9:57:16 AM
RetiredATC$25.00$25.0012/28/2009 10:01:38 AM
aasx1108$25.00$25.0012/28/2009 9:57:52 AM
Havana21$25.00$25.0012/28/2009 9:58:12 AM
SNH$50.00$50.0012/28/2009 10:04:59 AM
sharkm$40.00$40.0012/28/2009 9:58:43 AM
Doodlemeyer$25.00$25.0012/28/2009 9:58:48 AM
maule$25.00$25.0012/28/2009 10:05:37 AM
hope-eagle6$25.00$25.0012/28/2009 10:03:23 AM
VBAces$50.00$50.0012/28/2009 10:06:33 AM
roto$25.00$25.0012/28/2009 10:03:40 AM
Kaj$25.00$25.0012/28/2009 10:03:49 AM
Buffer10$100.00$100.0012/28/2009 10:06:46 AM
blooming-dedication$50.00$50.0012/28/2009 10:07:03 AM
note-tent$25.00$25.0012/28/2009 10:04:30 AM
melodious-fairness$25.00$25.0012/28/2009 10:07:39 AM
tidy-dime$25.00$25.0012/28/2009 10:08:25 AM
rolandweary$40.00$40.0012/28/2009 10:01:31 AM
bchen78875$25.00$25.0012/28/2009 10:01:57 AM
wayman$50.00$50.0012/28/2009 10:02:16 AM
Banker7371$25.00$25.0012/28/2009 10:09:49 AM
hitsman$50.00$50.0012/28/2009 10:02:43 AM
schpere$25.00$25.0012/28/2009 10:11:29 AM
LenderByDay$25.00$25.0012/28/2009 10:08:08 AM
MrMoney0622$25.00$25.0012/28/2009 10:11:36 AM
Kmac_Lending$25.00$25.0012/28/2009 10:08:19 AM
aldeed$25.00$25.0012/28/2009 10:08:48 AM
techvet$25.00$25.0012/28/2009 10:04:47 AM
p2ploan-leaper$25.00$25.0012/28/2009 10:09:19 AM
restless-currency$25.00$25.0012/28/2009 10:09:44 AM
contract-voltage$25.00$25.0012/28/2009 10:09:58 AM
exact-loan5$25.00$25.0012/28/2009 10:05:48 AM
adir1$25.00$25.0012/28/2009 10:10:24 AM
serpentine$50.00$50.0012/28/2009 10:13:44 AM
worldly-community3$25.00$25.0012/28/2009 10:06:09 AM
kelseyshea$25.00$25.0012/28/2009 10:10:38 AM
kulender$25.00$25.0012/28/2009 10:14:32 AM
PROFITABLE7$25.00$25.0012/28/2009 10:12:05 AM
bmkenn$50.00$50.0012/28/2009 10:12:10 AM
Steveoo1$25.00$25.0012/28/2009 10:15:30 AM
skiingawfs$25.00$25.0012/28/2009 10:12:26 AM
worthy-reward1$50.00$50.0012/28/2009 10:15:59 AM
The-CAPS-fan$30.00$30.0012/28/2009 10:16:03 AM
affluence-tycoon$25.00$25.0012/28/2009 10:16:27 AM
AKJagMan$25.00$25.0012/28/2009 10:13:28 AM
crazycool$25.00$25.0012/28/2009 10:13:56 AM
Katburg$35.00$35.0012/28/2009 10:14:22 AM
Dap2005$25.00$25.0012/28/2009 10:17:04 AM
CAGE-Investments$100.00$100.0012/28/2009 10:17:17 AM
CalBear5$25.00$25.0012/28/2009 10:11:13 AM
puifais$25.00$25.0012/28/2009 10:15:12 AM
RICHMONDREB$25.00$25.0012/28/2009 10:11:23 AM
aventurer$25.00$25.0012/28/2009 10:12:18 AM
ThomasCrown$30.00$30.0012/28/2009 10:19:03 AM
yield-hero4$25.00$25.0012/28/2009 10:12:53 AM
durability-mad-scientist4$100.00$100.0012/28/2009 10:16:36 AM
trustu$25.00$25.0012/28/2009 10:19:41 AM
accordion8$50.00$50.0012/28/2009 10:19:59 AM
special-responsibility$25.00$25.0012/28/2009 10:17:06 AM
UT-Longhorn$25.00$25.0012/28/2009 10:14:06 AM
burgeoning-silver$25.00$25.0012/28/2009 10:17:25 AM
value-pole$25.00$25.0012/28/2009 10:17:50 AM
Lightlife$50.00$50.0012/28/2009 10:17:57 AM
sjlender$25.00$25.0012/28/2009 10:15:20 AM
chicco$80.00$80.0012/28/2009 10:18:44 AM
spreadgoodwill$25.00$25.0012/28/2009 10:16:42 AM
Bank42$50.00$50.0012/28/2009 10:16:49 AM
harperpotok$100.00$100.0012/28/2009 10:19:20 AM
digitalrinaldo$25.00$25.0012/28/2009 10:19:29 AM
miked8303$25.00$25.0012/28/2009 10:17:44 AM
wise-extraordinary-loot$30.00$30.0012/28/2009 10:18:07 AM
Cai8899$50.00$50.0012/28/2009 10:18:38 AM
youqianderen$50.00$50.0012/28/2009 10:18:50 AM
romario$50.00$50.0012/28/2009 10:21:54 AM
SnE$25.00$25.0012/28/2009 10:19:52 AM
Cherrypicker$50.00$50.0012/28/2009 10:55:38 AM
admirable-credit$25.00$25.0012/29/2009 1:00:25 AM
vine99$100.00$100.0012/29/2009 10:53:36 AM
blindtaxidriver$25.00$25.0012/31/2009 3:47:59 PM
marala4285$25.00$25.001/2/2010 1:06:27 PM
springpanda$25.00$25.001/3/2010 7:11:04 PM
266 bids
 
Borrower Payment Dependent Notes Series 439721
This series of Notes was issued and sold upon the funding of the borrower loan #40308, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,750.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-01-2010 
 
Starting lender yield: 13.05% Starting borrower rate/APR: 14.05% / 16.21% Starting monthly payment: $162.46
Final lender yield: 13.00% Final borrower rate/APR: 14.00% / 16.16% Final monthly payment: $162.34
 
Auction yield range: 6.20% - 13.05% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.78%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Mar-2002 Debt/Income ratio: 25%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $15,557 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: p2ploan-party Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards!
Purpose of loan:
This loan will be used to pay off?2 of my credit cards?and most of a 3rd card.??I want to consolidate these bills into 1 payment.

My financial situation:
I am a good candidate for this loan because I have never been late on any payments for anything i have ever borrowed money for. :) I am a very responsible person who always pays on time or early. I almost have my car paid off and plan to pay more on this loan after I have my car paid off.

Monthly Income: $2450

Monthly Expenses:
Rent- $550
Insurance- $106
Car Expenses- $300
Utilities- $50
Food & Entertainment- $250

Information in the Description is not verified.
Friends And Family Winning Bids
genuine-coin has bid a total of $25.00 in winning bids.
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: Please describe your occupation and likelihood of continued employment. - exciting-fairness
A: I work for a finance company. We do inventory & purchase order financing for small to medium sized businesses. I am currently an account executive but I have also worked in underwriting. I have worked for the company for a year & a half. Our company is currently in the stages of doubling in size so I definitely plan on staying in order to move up in the company. Any other questions please let me know! Thanks! (Dec-28-2009)
Q: Did u miss your Crdt card pymts? how much u pay for car loan?what about other expenses like clothing, cable, cell, phone, gym and housing expenses? Sorry but ur expenses seems too low for somebody as beautiful as you =).....gl and happy New Yr! - Nasdaq
A: I have NEVER missed any payments on credit cards or any bills, and I always pay above the minimum. For my car i pay $297 a month. I actually just paid off 2 credit cards with my holiday bonus from work. Sorry about the expenses part, I only put in what the form had on there. Woops! I split most of my house bills with my boyfriend since we live together. My cell bill is $92 /mth, cable /internet is $82 (but i only pay $41 of it) The gym I have a free membership through my work. Happy New Year! (Dec-31-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Lilred7879$50.00$50.0012/28/2009 9:18:14 AM
rellotsf$50.00$50.0012/28/2009 9:18:32 AM
reward-winner$25.00$25.0012/28/2009 9:19:59 AM
currency-oak$25.00$25.0012/28/2009 9:20:13 AM
fortytwo$100.00$100.0012/28/2009 9:24:00 AM
a-resplendent-asset$25.00$25.0012/28/2009 9:24:36 AM
Supernick$100.00$100.0012/28/2009 9:24:47 AM
orange-preeminant-bill$100.00$100.0012/28/2009 9:26:37 AM
blessedpair$50.00$50.0012/28/2009 9:18:12 AM
loanfairy$25.00$25.0012/28/2009 9:26:28 AM
the-profit-oracle$25.00$25.0012/28/2009 9:29:41 AM
ljay$25.00$25.0012/28/2009 9:24:29 AM
heng2x$25.00$25.0012/28/2009 9:30:57 AM
the-money-gargantuan$25.00$25.0012/28/2009 9:25:21 AM
the-silver-blaster$70.00$70.0012/28/2009 9:30:49 AM
wFeather$200.00$200.0012/28/2009 9:31:14 AM
brilliant-revenue$25.00$25.0012/28/2009 9:31:40 AM
spruce2$25.00$25.0012/28/2009 9:32:13 AM
axis1$25.00$25.0012/28/2009 9:33:10 AM
Artist_Blue$25.00$25.0012/28/2009 9:29:50 AM
gracej$25.00$25.0012/28/2009 9:30:00 AM
the-debt-fluffy-bunny$25.00$25.0012/28/2009 9:31:04 AM
Cheburashka$25.00$25.0012/28/2009 9:32:54 AM
the-bright-velocity$25.00$25.0012/28/2009 9:45:00 AM
Bio-physicist$25.00$25.0012/28/2009 9:43:24 AM
vkorichkov$30.00$30.0012/28/2009 9:44:32 AM
SilverRain$25.00$25.0012/28/2009 9:48:15 AM
creative-gold$25.00$25.0012/28/2009 9:48:31 AM
Fiimg$50.00$50.0012/28/2009 9:47:43 AM
tuneman1980$25.00$25.0012/28/2009 9:50:04 AM
calm-deal7$25.00$25.0012/28/2009 9:43:58 AM
Rob717171$25.00$25.0012/28/2009 9:47:00 AM
dunox$25.00$25.0012/28/2009 9:49:23 AM
Reinadog9$25.00$25.0012/28/2009 9:49:48 AM
djh47a$30.00$30.0012/28/2009 9:50:36 AM
red-favorable-basis$25.00$25.0012/28/2009 9:51:07 AM
zento$25.00$25.0012/28/2009 10:25:56 AM
sparkmeister$25.00$25.0012/28/2009 10:59:22 AM
zoomdrm57$25.00$25.0012/28/2009 12:01:59 PM
brightest-dignified-penny$100.00$100.0012/28/2009 3:51:59 PM
jetblack$50.00$50.0012/28/2009 4:05:17 PM
bank-examiner$25.00$25.0012/28/2009 4:15:13 PM
Syzygy$25.00$25.0012/28/2009 6:44:01 PM
ThomasTrain$25.00$25.0012/28/2009 9:00:39 PM
Bob450$50.00$50.0012/28/2009 10:09:12 PM
tagkat$31.94$31.9412/29/2009 10:07:05 AM
savedollarinc$25.00$25.0012/29/2009 10:26:58 AM
Sol_Invictus$25.00$25.0012/29/2009 12:43:40 PM
tender-ore$25.00$25.0012/29/2009 1:07:35 PM
benevolent-capital1$50.00$50.0012/29/2009 12:21:57 PM
Mojo1$50.00$50.0012/29/2009 4:16:54 PM
The-CAPS-fan$100.00$100.0012/29/2009 5:07:42 PM
cutter21$25.00$25.0012/29/2009 9:30:39 PM
Machbannai$32.33$32.3312/30/2009 2:32:38 AM
ManhattanLender$25.00$25.0012/30/2009 7:46:45 AM
Castelj$44.00$44.0012/30/2009 7:54:53 AM
genuine-coin$25.00$25.0012/30/2009 11:11:39 AM
1SteelerFan$35.00$35.0012/30/2009 10:20:00 AM
bondhedger$25.00$25.0012/30/2009 11:16:32 AM
KichigaiSensei$25.00$25.0012/30/2009 7:25:37 PM
TJ-Financial-Group$25.00$25.0012/30/2009 7:13:34 PM
back-scratchers$25.00$25.0012/30/2009 9:16:53 PM
dime-neutron$25.00$25.0012/31/2009 3:15:55 AM
SOP_Bank$25.00$25.0012/31/2009 9:43:36 AM
smart-gold$25.00$25.0012/31/2009 10:53:41 AM
yield-hero4$50.00$50.0012/31/2009 11:30:50 AM
jdtrip03$100.00$100.0012/31/2009 12:35:50 PM
lenderinnevada$50.00$50.0012/31/2009 1:43:40 PM
lizphan1$25.00$25.0012/31/2009 4:09:38 PM
heerzaquestion$25.00$25.001/1/2010 5:20:10 AM
nickel-synapse$25.00$25.001/1/2010 10:24:48 AM
abeprof70$25.00$25.0012/28/2009 9:18:35 AM
jdrez$25.00$25.0012/28/2009 9:20:30 AM
gamp$25.00$25.0012/28/2009 9:18:24 AM
booksleuth$50.00$50.0012/28/2009 9:24:10 AM
Tahoeguy$25.00$25.0012/28/2009 9:21:54 AM
metro457$25.00$25.0012/28/2009 9:22:45 AM
gulch$25.00$25.0012/28/2009 9:24:56 AM
AF-Chief$35.00$35.0012/28/2009 9:24:18 AM
Interloper$25.00$25.0012/28/2009 9:19:26 AM
munnu$25.00$25.0012/28/2009 9:29:04 AM
desertoasis$25.00$25.0012/28/2009 9:22:54 AM
TheoProf$50.00$50.0012/28/2009 9:30:17 AM
helpinghand75$25.00$25.0012/28/2009 9:30:36 AM
skuba$25.00$25.0012/28/2009 9:25:04 AM
ImaPutz$25.00$25.0012/28/2009 9:31:31 AM
cptproton$25.00$25.0012/28/2009 9:30:25 AM
cash-boots$25.00$25.0012/28/2009 9:32:35 AM
capital-amplifier$25.00$25.0012/28/2009 9:32:20 AM
buddy486$25.00$25.0012/28/2009 9:30:09 AM
nprfan5$25.00$25.0012/28/2009 9:30:41 AM
rpatusa$25.00$25.0012/28/2009 9:30:54 AM
economy-structure9$25.00$25.0012/28/2009 9:31:17 AM
Tc11902$25.00$25.0012/28/2009 9:32:42 AM
BuffetRocks$50.00$50.0012/28/2009 9:33:01 AM
flwah$25.00$25.0012/28/2009 9:45:17 AM
LAKESPRING$25.00$25.0012/28/2009 9:44:41 AM
supreme-hope$25.00$25.0012/28/2009 9:39:44 AM
moneysuccess$25.00$25.0012/28/2009 9:50:13 AM
Phantom99$25.00$25.0012/28/2009 9:49:39 AM
elegant-bonus$25.00$25.0012/28/2009 9:50:22 AM
Onesiphorus$25.00$25.0012/28/2009 9:51:00 AM
fcukciti$25.00$25.0012/28/2009 9:47:53 AM
plentiful-reward$50.00$50.0012/28/2009 9:50:49 AM
radiant-fund$25.00$7.1412/28/2009 9:51:19 AM
MO_Investor$25.00$25.0012/28/2009 10:03:07 AM
klinebarger$25.00$25.0012/28/2009 10:13:37 AM
glimmering-credit4$25.00$25.0012/28/2009 3:42:46 PM
kind-value-pouch$50.00$50.0012/28/2009 4:50:21 PM
orbiter614$35.02$35.0212/28/2009 4:52:35 PM
fairness-atmosphere$25.00$25.0012/28/2009 8:19:31 PM
Peacepower$25.00$25.0012/29/2009 4:41:47 AM
admirable-credit$25.00$25.0012/29/2009 1:00:26 AM
ritwik$50.00$50.0012/29/2009 7:18:53 AM
wwwUniversal$25.00$25.0012/29/2009 7:21:30 AM
DaddyBill$25.00$25.0012/29/2009 10:19:01 AM
Frugal$25.00$25.0012/29/2009 10:33:59 AM
johnpmid$25.00$25.0012/29/2009 1:50:22 PM
Rattlehead$50.00$50.0012/29/2009 3:09:32 PM
Haribelle$50.00$50.0012/29/2009 3:48:29 PM
JackinGreen$75.00$75.0012/29/2009 4:05:18 PM
impressive-fund0$63.23$63.2312/29/2009 6:20:19 PM
interstellar$32.34$32.3412/30/2009 11:06:02 AM
credit-coach118$25.00$25.0012/30/2009 5:23:14 PM
hyeholdings$25.00$25.0012/30/2009 9:21:08 PM
exchange-cowbell5$50.00$50.0012/31/2009 10:48:45 AM
rockhound84$25.00$25.0012/31/2009 9:34:54 AM
FG9YTR$25.00$25.0012/31/2009 11:59:26 AM
giantfan19$29.00$29.0012/31/2009 12:34:01 PM
Havnfun$25.00$25.0012/31/2009 2:15:55 PM
texrob20$25.00$25.0012/31/2009 3:16:02 PM
TigerForce$25.00$25.0012/31/2009 3:49:50 PM
KimsKash$50.00$50.0012/31/2009 5:41:18 PM
gothampark$25.00$25.0012/31/2009 4:15:45 PM
OldManP$25.00$25.0012/31/2009 9:14:26 PM
NorthlandAlchemist$25.00$25.001/1/2010 8:35:48 AM
tomjac2000$25.00$25.001/1/2010 10:13:36 AM
137 bids
 
Borrower Payment Dependent Notes Series 439961
This series of Notes was issued and sold upon the funding of the borrower loan #40319, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Dec-28-2009 
  Auction end date:  Dec-31-2009 
 
Starting lender yield: 5.16% Starting borrower rate/APR: 6.16% / 6.50% Starting monthly payment: $60.99
Final lender yield: 5.10% Final borrower rate/APR: 6.10% / 6.44% Final monthly payment: $60.93
 
Auction yield range: 3.20% - 5.16% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.50%  
<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: Sep-1999 Debt/Income ratio: 37%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:0y 10m
Amount delinquent: $0 Revolving credit balance: $4,387 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: compassion-atizer Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off CC's before Baby Arrives
Purpose of loan:

To consolidate all my credit card debt into 1 payment to help me pay it off faster. I am currently paying payments across 5 cards and it is seeming impossible to get them paid down.

My financial situation:
My husband and I have a combined income of $60,000. We are currently paying around $600 per month paying on our credit cards. Those are the same cards I will be paying off with the loan. We have 2 car payments one is $300 and one is $150 per month. Our mortgage including taxes and insurance is right at $1,000.00 per month. I include that only to show that we don't really have a problem with cash flow, it is just with the balances being spread out over multiple cards (some at high interest rates) it makes it harder to make a dent. We are having a baby soon, so, we would like to have everything paid off before that.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jwood3030$25.00$25.0012/28/2009 9:47:31 AM
scottr$25.00$25.0012/28/2009 10:27:46 AM
Rob717171$25.00$25.0012/28/2009 10:29:18 AM
bsmtloan$44.66$44.6612/28/2009 10:26:48 AM
elasermd$100.00$100.0012/28/2009 10:28:18 AM
Tai$25.00$25.0012/28/2009 10:36:34 AM
nuclearmoose$25.00$25.0012/28/2009 10:37:24 AM
SNH$50.00$50.0012/28/2009 10:37:47 AM
Banker7371$25.00$25.0012/28/2009 10:38:48 AM
asdf9876$25.00$25.0012/28/2009 10:39:14 AM
PA2LA$25.00$25.0012/28/2009 10:37:07 AM
superstar449$25.00$25.0012/28/2009 10:36:09 AM
note-tent$50.00$50.0012/28/2009 10:36:29 AM
meenan$40.00$40.0012/28/2009 10:36:56 AM
geniusj$25.00$25.0012/28/2009 10:39:30 AM
adir1$25.00$25.0012/28/2009 10:37:31 AM
microlendblvr$100.00$100.0012/28/2009 10:38:03 AM
ray1051$25.00$25.0012/28/2009 10:38:09 AM
secundus$25.00$25.0012/28/2009 10:38:22 AM
majestic-dedication$50.00$50.0012/28/2009 10:39:00 AM
docktah$50.00$50.0012/28/2009 10:39:24 AM
springpanda$50.00$50.0012/29/2009 2:24:57 PM
mco$25.00$25.0012/30/2009 11:11:23 PM
marala4285$25.00$25.0012/31/2009 7:23:08 AM
billnsc$25.00$25.0012/31/2009 3:31:40 PM
RandyL3$25.00$25.0012/31/2009 8:47:01 PM
Vegan-Girl$25.00$25.0012/31/2009 6:43:59 PM
mac415$25.00$25.0012/28/2009 10:26:42 AM
E_G$50.00$50.0012/28/2009 10:27:12 AM
neenerman$75.00$75.0012/28/2009 10:29:08 AM
bluechip$25.00$25.0012/28/2009 10:27:29 AM
kenji4861$25.00$25.0012/28/2009 10:29:21 AM
Klearwater_Pools$25.00$25.0012/28/2009 10:27:42 AM
fortytwo$200.00$200.0012/28/2009 10:36:51 AM
BlindProphet$25.00$25.0012/28/2009 10:37:43 AM
CaptainBlueberry$25.00$25.0012/28/2009 10:37:48 AM
BigMoney56$25.00$25.0012/28/2009 10:38:16 AM
aasx1108$25.00$25.0012/28/2009 10:36:01 AM
ljay$25.00$25.0012/28/2009 10:36:03 AM
Divot$25.00$25.0012/28/2009 10:36:36 AM
UT-Longhorn$25.00$25.0012/28/2009 10:37:25 AM
larrybird$100.00$100.0012/28/2009 10:38:57 AM
skiingawfs$25.00$25.0012/28/2009 10:39:20 AM
STOCKBROKER1$25.00$6.4612/28/2009 10:39:34 AM
serpentine$50.00$50.0012/28/2009 10:38:51 AM
aventurer$25.00$25.0012/28/2009 10:39:10 AM
FundMaker$25.00$25.0012/28/2009 12:17:03 PM
admirable-credit$25.00$25.0012/29/2009 1:00:29 AM
jchurchi$58.88$58.8812/30/2009 12:11:34 PM
marwadi-62$100.00$100.0012/31/2009 10:10:58 AM
50 bids
 
Borrower Payment Dependent Notes Series 439963
This series of Notes was issued and sold upon the funding of the borrower loan #40328, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $13,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $463.49
Final lender yield: 8.35% Final borrower rate/APR: 9.35% / 11.45% Final monthly payment: $415.52
 
Auction yield range: 4.20% - 16.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.23%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Sep-1993 Debt/Income ratio: 5%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $2,600 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: hutmacher Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a new vehicle
Purpose of loan:
I've been looking into getting a new ride for a while, but I'm sick of bank rates and all that goes along with it.? I'm hoping to get this loan in place with a reasonable interest rate prior to purchase.

My financial situation:
I am a good candidate for this loan because
1.? I havent carried any credit card balances for over four years
2.? Other than my mortgage, i have no other outstanding loans (student loans, personal loans, auto loans etc)
3.? I've got liquid cash balances in CDs/Investment accounts of about $15,000.? The only reason I'm going the loan-route, rather than the outright-purchase route, is so that i dont deplete my cash.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Casper00$27.58$27.5812/28/2009 9:20:37 AM
metro457$25.00$25.0012/28/2009 9:22:42 AM
jdrez$25.00$25.0012/28/2009 9:20:25 AM
hard-working-asset2$25.00$25.0012/28/2009 9:23:28 AM
nowits10$25.00$25.0012/28/2009 9:21:06 AM
wrighco$25.00$25.0012/28/2009 9:21:19 AM
sjlnn$25.00$25.0012/28/2009 9:21:40 AM
ljay$25.00$25.0012/28/2009 9:24:25 AM
order-prospector$50.00$50.0012/28/2009 9:22:40 AM
desertoasis$50.00$50.0012/28/2009 9:22:49 AM
Avala$29.80$29.8012/28/2009 9:23:23 AM
the-money-gargantuan$25.00$25.0012/28/2009 9:25:18 AM
fortytwo$100.00$100.0012/28/2009 9:23:55 AM
financial-frenzy$50.00$50.0012/28/2009 9:24:04 AM
Fortuno_per_commodo$25.00$25.0012/28/2009 9:25:40 AM
AF-Chief$35.00$35.0012/28/2009 9:24:15 AM
dime-beeper$30.00$30.0012/28/2009 9:25:51 AM
loanfairy$25.00$25.0012/28/2009 9:26:23 AM
stanbalwight4$25.00$25.0012/28/2009 9:26:53 AM
pbr$25.00$25.0012/28/2009 9:27:09 AM
Duanep01$50.00$50.0012/28/2009 9:27:14 AM
Dr_M$25.00$25.0012/28/2009 9:27:22 AM
uga$25.00$25.0012/28/2009 9:27:38 AM
inventive-wealth2$25.00$25.0012/28/2009 9:20:24 AM
davidside$25.00$25.0012/28/2009 9:21:22 AM
BlackFred$25.00$25.0012/28/2009 9:27:08 AM
community-champ3$25.00$25.0012/28/2009 9:27:14 AM
JohnGalt94$25.00$25.0012/28/2009 9:21:49 AM
Lesburger$25.00$25.0012/28/2009 9:27:29 AM
onlyastepaway$25.00$25.0012/28/2009 9:29:18 AM
granitepk$25.00$25.0012/28/2009 9:27:37 AM
Boca$25.00$25.0012/28/2009 9:27:40 AM
Artist_Blue$25.00$25.0012/28/2009 9:29:53 AM
buddy486$25.00$25.0012/28/2009 9:30:04 AM
TheoProf$50.00$50.0012/28/2009 9:30:14 AM
wise-spirited-nickel$50.00$50.0012/28/2009 9:23:47 AM
money-explorer3$25.00$25.0012/28/2009 9:28:56 AM
heng2x$25.00$25.0012/28/2009 9:30:55 AM
witty-principal$25.00$25.0012/28/2009 9:29:13 AM
JonyWinter$50.00$50.0012/28/2009 9:29:15 AM
economy-structure9$25.00$25.0012/28/2009 9:31:15 AM
the-profit-oracle$25.00$25.0012/28/2009 9:29:44 AM
meteoric-asset4$25.00$25.0012/28/2009 9:31:21 AM
brilliant-revenue$25.00$25.0012/28/2009 9:31:37 AM
RG$25.00$25.0012/28/2009 9:26:14 AM
orange-preeminant-bill$100.00$100.0012/28/2009 9:26:34 AM
keen-moola$25.00$25.0012/28/2009 9:30:44 AM
duty-meteor$25.00$25.0012/28/2009 9:26:56 AM
icecoldcash$80.00$80.0012/28/2009 9:27:12 AM
amint17$25.00$25.0012/28/2009 9:27:21 AM
copperfield$25.00$25.0012/28/2009 9:27:32 AM
Davidson2$25.00$25.0012/28/2009 9:33:05 AM
Citytrustbankerguy$25.00$25.0012/28/2009 9:27:45 AM
entrager$25.00$25.0012/28/2009 9:31:35 AM
Divot$25.00$25.0012/28/2009 9:33:39 AM
matt84003$25.00$25.0012/28/2009 9:31:44 AM
ryanplays311$25.00$25.0012/28/2009 9:31:58 AM
ms48105$25.00$25.0012/28/2009 9:28:15 AM
cognizant-rate732$25.00$25.0012/28/2009 9:32:04 AM
cyberie21$25.00$25.0012/28/2009 9:28:16 AM
ml13$25.00$25.0012/28/2009 9:28:26 AM
wise-bonus-honker$25.00$25.0012/28/2009 9:28:48 AM
aue513$25.00$25.0012/28/2009 9:29:10 AM
axis1$25.00$25.0012/28/2009 9:33:07 AM
deal-kung-fu$25.00$25.0012/28/2009 9:29:33 AM
Munnie$25.00$25.0012/28/2009 9:30:51 AM
the-debt-fluffy-bunny$25.00$25.0012/28/2009 9:31:01 AM
powerplant6$25.00$25.0012/28/2009 9:31:48 AM
sdgrowth$25.00$25.0012/28/2009 9:31:54 AM
benroo$25.00$25.0012/28/2009 9:32:39 AM
Tc11902$25.00$25.0012/28/2009 9:32:40 AM
Cheburashka$25.00$25.0012/28/2009 9:32:49 AM
BuffetRocks$50.00$50.0012/28/2009 9:32:59 AM
ben10jen$25.00$25.0012/28/2009 9:33:21 AM
Chuck9802$25.00$25.0012/28/2009 9:42:37 AM
payment-artist$25.00$25.0012/28/2009 9:43:17 AM
cheapskate$30.24$30.2412/28/2009 9:44:15 AM
market-inspector$25.00$25.0012/28/2009 9:44:21 AM
LAKESPRING$25.00$25.0012/28/2009 9:44:38 AM
r6guy$25.00$25.0012/28/2009 9:42:35 AM
vcbogan$100.00$100.0012/28/2009 9:43:19 AM
flwah$25.00$25.0012/28/2009 9:45:20 AM
ramblin$25.00$25.0012/28/2009 9:45:43 AM
shrewd-peace7$25.00$25.0012/28/2009 9:43:52 AM
BigChiefLender$25.00$25.0012/28/2009 9:44:05 AM
ClearLake$25.00$25.0012/28/2009 9:46:04 AM
my401K$43.99$43.9912/28/2009 9:44:20 AM
Rob717171$25.00$25.0012/28/2009 9:47:05 AM
the-bright-velocity$25.00$25.0012/28/2009 9:44:57 AM
JGB$25.00$25.0012/28/2009 9:45:10 AM
towering-compassion$25.00$25.0012/28/2009 9:45:26 AM
project07$25.00$25.0012/28/2009 9:45:36 AM
ctgscott$25.00$25.0012/28/2009 9:46:10 AM
night0wl$25.00$25.0012/28/2009 9:46:17 AM
loan-machine1$25.00$25.0012/28/2009 9:48:10 AM
creative-gold$25.00$25.0012/28/2009 9:48:24 AM
BMGlending$25.00$25.0012/28/2009 9:49:13 AM
gstheory$100.00$100.0012/28/2009 9:49:31 AM
Reinadog9$25.00$25.0012/28/2009 9:49:46 AM
dunox$25.00$25.0012/28/2009 9:49:20 AM
debt-fuse158$25.00$25.0012/28/2009 9:41:29 AM
jumprun4112$50.00$50.0012/28/2009 9:42:33 AM
SkiFastBadly$25.00$25.0012/28/2009 9:42:39 AM
brightest-durability-chomper$25.00$25.0012/28/2009 9:50:44 AM
ibuystk$50.00$50.0012/28/2009 9:51:57 AM
Dmatthewsftf$25.00$25.0012/28/2009 9:43:40 AM
calm-deal7$25.00$25.0012/28/2009 9:43:55 AM
radiant-fund$25.00$25.0012/28/2009 9:51:15 AM
portfolio-zone801$25.00$25.0012/28/2009 9:52:15 AM
foxy-fund$50.00$50.0012/28/2009 9:52:25 AM
vkorichkov$30.00$30.0012/28/2009 9:44:29 AM
a-versatile-power$25.00$25.0012/28/2009 9:52:09 AM
egw$25.00$25.0012/28/2009 9:53:11 AM
special-truth$25.00$25.0012/28/2009 9:45:44 AM
LA-Funding-Bank$25.00$25.0012/28/2009 9:52:46 AM
BigMoney56$25.00$25.0012/28/2009 9:52:48 AM
infinitemudra$25.00$25.0012/28/2009 9:53:49 AM
Stock-Stud$25.00$25.0012/28/2009 9:48:08 AM
a-special-power$25.00$25.0012/28/2009 9:54:19 AM
SilverRain$25.00$25.0012/28/2009 9:48:12 AM
Dillonmd58$25.00$25.0012/28/2009 9:48:22 AM
iolaire$25.00$25.0012/28/2009 9:48:39 AM
boater01$50.00$50.0012/28/2009 9:54:49 AM
BlindJoeDeath$25.00$25.0012/28/2009 9:54:58 AM
LiquidLender$25.00$25.0012/28/2009 9:56:08 AM
currency-prometheus$25.00$25.0012/28/2009 9:55:20 AM
swm$25.00$25.0012/28/2009 9:56:29 AM
ghinga$50.00$50.0012/28/2009 9:56:38 AM
kalyani74$50.00$50.0012/28/2009 9:55:49 AM
get30inc$25.00$25.0012/28/2009 9:55:59 AM
lagnisiruk$25.00$25.0012/28/2009 9:56:26 AM
Doodlemeyer$25.00$25.0012/28/2009 9:58:45 AM
dpjd$50.00$50.0012/28/2009 9:58:53 AM
principal-kung-fu$25.00$25.0012/28/2009 9:57:40 AM
aasx1108$25.00$25.0012/28/2009 9:57:49 AM
dedicated-diversification5$190.00$190.0012/28/2009 9:59:46 AM
ryelk$25.00$25.0012/28/2009 9:58:30 AM
forthright-dedication$50.00$50.0012/28/2009 9:54:03 AM
bright-investment$25.00$25.0012/28/2009 9:54:07 AM
mla$25.00$25.0012/28/2009 9:54:10 AM
Siafu$25.00$25.0012/28/2009 9:54:12 AM
punctual-power7$25.00$25.0012/28/2009 9:58:57 AM
kmfreymi$25.00$25.0012/28/2009 9:54:42 AM
Pizza-man$50.00$50.0012/28/2009 9:59:16 AM
syounker$25.00$25.0012/28/2009 9:54:46 AM
RetiredATC$25.00$25.0012/28/2009 10:01:36 AM
elegant-income3$30.00$30.0012/28/2009 9:59:25 AM
tresnietos$50.00$50.0012/28/2009 9:55:08 AM
astute-dollar$50.00$50.0012/28/2009 9:59:50 AM
wiltonbound$25.00$25.0012/28/2009 10:02:32 AM
trade-pumpkin$25.00$25.0012/28/2009 10:00:00 AM
hitsman$50.00$50.0012/28/2009 10:02:41 AM
tremendous-payment$25.00$25.0012/28/2009 10:00:45 AM
duty-monger$50.00$50.0012/28/2009 10:03:13 AM
cladius67$25.00$25.0012/28/2009 9:56:37 AM
jbaum$25.00$25.0012/28/2009 9:56:49 AM
marinade$25.00$25.0012/28/2009 10:04:36 AM
Havana21$25.00$25.0012/28/2009 9:58:09 AM
shrewd-deal$25.00$25.0012/28/2009 10:02:50 AM
54CHEVY$25.00$25.0012/28/2009 10:05:24 AM
exact-loan5$25.00$25.0012/28/2009 10:05:44 AM
blooming-dedication$50.00$50.0012/28/2009 10:07:01 AM
note-tent$25.00$25.0012/28/2009 10:04:27 AM
brazilofmux$100.00$100.0012/28/2009 10:07:32 AM
SNH$50.00$50.0012/28/2009 10:05:02 AM
rolandweary$40.00$40.0012/28/2009 10:01:29 AM
DRA-Properties$25.00$25.0012/28/2009 10:09:09 AM
flopcat$25.00$25.0012/28/2009 10:06:16 AM
restless-currency$25.00$25.0012/28/2009 10:09:42 AM
sloan$25.00$25.0012/28/2009 10:06:59 AM
sidney102$50.00$50.0012/28/2009 10:02:58 AM
melodious-fairness$25.00$25.0012/28/2009 10:07:37 AM
hope-eagle6$25.00$25.0012/28/2009 10:03:21 AM
roto$25.00$25.0012/28/2009 10:03:36 AM
thestartuplender$35.00$35.0012/28/2009 10:03:54 AM
kchen486$25.00$25.0012/28/2009 10:04:11 AM
gaileyb$25.00$25.0012/28/2009 10:08:36 AM
Frugal$25.00$25.0012/28/2009 10:06:04 AM
kelseyshea$25.00$25.0012/28/2009 10:10:36 AM
steady-gain5$25.00$25.0012/28/2009 10:07:15 AM
gethsemane4$25.00$25.0012/28/2009 10:08:15 AM
contract-voltage$25.00$25.0012/28/2009 10:09:55 AM
EmeritusX$25.00$25.0012/28/2009 10:53:18 AM
FundMaker$25.00$25.0012/28/2009 11:55:41 AM
bank-examiner$25.00$25.0012/28/2009 4:20:52 PM
poster177$50.00$50.0012/29/2009 11:13:00 PM
heerzaquestion$25.00$25.0012/30/2009 6:32:54 AM
1SteelerFan$35.00$35.0012/30/2009 10:33:59 AM
ritwik$50.00$50.0012/31/2009 6:32:48 AM
rjsdsu$25.00$25.0012/31/2009 10:39:28 AM
Dollars4Rent$25.00$25.0012/31/2009 11:34:46 AM
mburke3434$25.00$25.001/3/2010 11:49:33 PM
TBCapitol$50.00$50.001/4/2010 8:24:25 AM
Tahoeguy$25.00$25.0012/28/2009 9:21:51 AM
stollcm$25.00$25.0012/28/2009 9:22:26 AM
rgrtanker$25.00$25.0012/28/2009 9:22:34 AM
j245213$25.00$25.0012/28/2009 9:20:20 AM
allamerathlete$25.00$25.0012/28/2009 9:20:52 AM
crispies$25.00$25.0012/28/2009 9:23:22 AM
social-gatherer7$25.00$25.0012/28/2009 9:21:07 AM
safe-finance$25.00$25.0012/28/2009 9:21:12 AM
nicklds$25.00$25.0012/28/2009 9:21:17 AM
Bosunsmate$25.00$25.0012/28/2009 9:22:03 AM
Sefotonga$25.00$25.0012/28/2009 9:22:17 AM
Headhunter14$25.00$25.0012/28/2009 9:22:24 AM
red-relentless-money$25.00$25.0012/28/2009 9:22:35 AM
gulch$25.00$25.0012/28/2009 9:24:52 AM
JohnW12$25.00$25.0012/28/2009 9:25:13 AM
booksleuth$50.00$50.0012/28/2009 9:24:06 AM
Supernick$100.00$100.0012/28/2009 9:24:43 AM
return-poblano$25.00$25.0012/28/2009 9:26:44 AM
NELNET$50.00$50.0012/28/2009 9:27:07 AM
wise-agile-investment$25.00$25.0012/28/2009 9:25:45 AM
resource777$25.00$25.0012/28/2009 9:27:35 AM
VWA_to_the_Rescue$25.00$25.0012/28/2009 9:25:56 AM
jammers$25.00$25.0012/28/2009 9:27:47 AM
adaptable-income$25.00$25.0012/28/2009 9:28:52 AM
langdonx$25.00$25.0012/28/2009 9:21:27 AM
TW2000$25.00$25.0012/28/2009 9:27:06 AM
THREE-POINTS-LENDING$25.00$25.0012/28/2009 9:21:38 AM
simpy$25.00$25.0012/28/2009 9:27:13 AM
hptcrabbers$25.00$25.0012/28/2009 9:29:30 AM
jack4875$25.00$25.0012/28/2009 9:29:35 AM
shingu79$28.92$28.9212/28/2009 9:22:13 AM
just-benefit$25.00$25.0012/28/2009 9:22:36 AM
titan1$25.00$25.0012/28/2009 9:28:21 AM
cptproton$25.00$25.0012/28/2009 9:30:22 AM
GatorBux$100.00$100.0012/28/2009 9:29:08 AM
a-resplendent-asset$25.00$25.0012/28/2009 9:24:32 AM
cgorry$25.00$25.0012/28/2009 9:29:28 AM
wFeather$300.00$300.0012/28/2009 9:31:10 AM
skuba$25.00$25.0012/28/2009 9:25:09 AM
madolaf$25.00$25.0012/28/2009 9:31:23 AM
respectful-note$25.00$25.0012/28/2009 9:31:36 AM
gracej$25.00$25.0012/28/2009 9:30:03 AM
spruce2$25.00$25.0012/28/2009 9:32:11 AM
nprfan5$25.00$25.0012/28/2009 9:30:39 AM
christifa$25.00$25.0012/28/2009 9:26:43 AM
cathexis$25.00$25.0012/28/2009 9:27:03 AM
Apex-Lender$25.00$25.0012/28/2009 9:27:15 AM
lucrative-durability$50.00$50.0012/28/2009 9:27:21 AM
friendly-return7$25.00$25.0012/28/2009 9:27:33 AM
payout-carnival$25.00$25.0012/28/2009 9:33:11 AM
kirkjerk$25.00$25.0012/28/2009 9:27:48 AM
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roxon$25.00$25.0012/28/2009 9:32:02 AM
Radu43$25.00$25.0012/28/2009 9:32:07 AM
a-important-leverage$25.00$25.0012/28/2009 9:28:19 AM
GracieLuLu04$25.00$25.0012/28/2009 9:28:23 AM
capital-amplifier$25.00$25.0012/28/2009 9:32:18 AM
NycDean$25.00$25.0012/28/2009 9:28:50 AM
munnu$25.00$25.0012/28/2009 9:29:01 AM
Premierelender$25.00$25.0012/28/2009 9:29:07 AM
Ivan2007$41.82$41.8212/28/2009 9:29:31 AM
angelinvestor01$25.00$25.0012/28/2009 9:33:19 AM
helpinghand75$25.00$25.0012/28/2009 9:30:38 AM
rpatusa$25.00$25.0012/28/2009 9:30:51 AM
cash-vault$25.00$25.0012/28/2009 9:31:26 AM
Erikdbp$25.00$25.0012/28/2009 9:32:06 AM
notyourdaddy$25.00$25.0012/28/2009 9:32:16 AM
coloradoloanman$25.00$25.0012/28/2009 9:32:27 AM
cash-boots$25.00$25.0012/28/2009 9:32:33 AM
supreme-hope$25.00$25.0012/28/2009 9:39:42 AM
borrowmine$25.00$25.0012/28/2009 9:40:23 AM
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money-maniac$25.00$25.0012/28/2009 9:44:03 AM
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rakstar$25.00$25.0012/28/2009 9:44:25 AM
gold-disk$50.00$50.0012/28/2009 9:43:20 AM
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mpatrick$50.00$50.0012/28/2009 9:44:18 AM
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lend_to_you$50.00$50.0012/28/2009 9:48:19 AM
fcukciti$25.00$25.0012/28/2009 9:47:51 AM
slim_pickins$25.00$25.0012/28/2009 9:49:17 AM
elegant-bonus$25.00$25.0012/28/2009 9:50:20 AM
lively-exchange$25.00$25.0012/28/2009 9:49:55 AM
djh47a$30.00$30.0012/28/2009 9:50:33 AM
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ocho$25.00$25.0012/28/2009 9:51:24 AM
JB2006$25.00$25.0012/28/2009 9:42:57 AM
TURNTEX75$25.00$25.0012/28/2009 9:43:38 AM
red-favorable-basis$25.00$25.0012/28/2009 9:51:09 AM
newyork6264$25.00$25.0012/28/2009 9:51:13 AM
ddogs$25.00$25.0012/28/2009 9:51:34 AM
kegs$100.00$100.0012/28/2009 9:51:44 AM
tmillerosu$25.00$25.0012/28/2009 9:44:49 AM
julijask$25.00$25.0012/28/2009 9:52:07 AM
kmr2$50.00$50.0012/28/2009 9:53:00 AM
tallmon$25.00$25.0012/28/2009 9:45:05 AM
Firestrm_Lending$25.00$25.0012/28/2009 9:45:28 AM
oja$25.00$25.0012/28/2009 9:45:33 AM
littlemonkey$25.00$25.0012/28/2009 9:52:34 AM
bebeshor$25.00$25.0012/28/2009 9:45:41 AM
Trojan1976$25.00$25.0012/28/2009 9:53:24 AM
liberty-revelry2$25.00$25.0012/28/2009 9:53:55 AM
investment-mountain$25.00$25.0012/28/2009 9:46:34 AM
Fiimg$50.00$50.0012/28/2009 9:47:40 AM
best-phenomenal-treasure$25.00$25.0012/28/2009 9:54:27 AM
Josta$50.00$50.0012/28/2009 9:55:19 AM
responsibility-butterfly$25.00$25.0012/28/2009 9:55:00 AM
Mickeyblu$25.00$25.0012/28/2009 9:49:32 AM
Phantom99$25.00$25.0012/28/2009 9:49:35 AM
compuguy8$25.00$25.0012/28/2009 9:56:35 AM
peso-mate$25.00$25.0012/28/2009 9:49:43 AM
moneysuccess$25.00$25.0012/28/2009 9:50:06 AM
balanced-balance6$50.00$50.0012/28/2009 9:57:30 AM
plentiful-reward$50.00$50.0012/28/2009 9:50:46 AM
yield-lion$25.00$25.0012/28/2009 9:58:25 AM
srilm$25.00$25.0012/28/2009 9:57:03 AM
Unclejohn$35.00$35.0012/28/2009 9:57:13 AM
MoneyU4IA$25.00$25.0012/28/2009 9:59:12 AM
sentimental-euro$25.00$25.0012/28/2009 9:59:22 AM
Tom579$25.00$25.0012/28/2009 9:59:35 AM
forthright-social$25.00$25.0012/28/2009 9:59:38 AM
PeterV$25.00$25.0012/28/2009 9:53:26 AM
galaxy1$25.00$25.0012/28/2009 10:00:15 AM
MARWARISETH$25.00$25.0012/28/2009 9:53:40 AM
sharkm$40.00$40.0012/28/2009 9:58:38 AM
EnigmaNYC-29$25.00$25.0012/28/2009 9:59:07 AM
bchen78875$25.00$25.0012/28/2009 10:02:04 AM
agwosdof$100.00$100.0012/28/2009 9:55:33 AM
Diamond_Jim$25.00$25.0012/28/2009 10:00:26 AM
fatson43$25.00$25.0012/28/2009 9:56:06 AM
yachtiegirl$25.00$25.0012/28/2009 9:56:15 AM
payout-achievement$40.00$40.0012/28/2009 10:01:04 AM
talang$25.00$25.0012/28/2009 9:57:00 AM
orange-courageous-dedication$30.00$30.0012/28/2009 10:04:01 AM
integrity-doctor$50.00$50.0012/28/2009 9:58:01 AM
wayman$50.00$50.0012/28/2009 10:02:19 AM
maule$25.00$25.0012/28/2009 10:05:35 AM
useful-p2ploan$50.00$50.0012/28/2009 10:03:14 AM
Kaj$25.00$25.0012/28/2009 10:03:46 AM
auctionbros$25.00$25.0012/28/2009 10:00:07 AM
E_G$30.00$30.0012/28/2009 10:00:35 AM
credit-tulip$25.00$25.0012/28/2009 10:04:38 AM
credit-kahuna$100.00$100.0012/28/2009 10:00:53 AM
techvet$25.00$25.0012/28/2009 10:04:44 AM
personal-lender$25.00$25.0012/28/2009 10:01:28 AM
worldly-community3$25.00$25.0012/28/2009 10:06:07 AM
p2ploan-leaper$50.00$50.0012/28/2009 10:09:17 AM
Dunndeal4u$25.00$25.0012/28/2009 10:09:30 AM
VBAces$50.00$50.0012/28/2009 10:06:31 AM
benefit-squirrel$30.00$30.0012/28/2009 10:02:21 AM
Binan$25.00$25.0012/28/2009 10:10:03 AM
CrossCreek$25.00$25.0012/28/2009 10:07:17 AM
Kmac_Lending$25.00$25.0012/28/2009 10:08:17 AM
hutch13$50.00$50.0012/28/2009 10:04:22 AM
bold-yield-rumbler$25.00$25.0012/28/2009 10:08:57 AM
Picopie$50.00$50.0012/28/2009 10:05:05 AM
swoosh$25.00$25.0012/28/2009 10:05:18 AM
MoneyMaker249$25.00$25.0012/28/2009 10:10:12 AM
TennSquire$25.00$25.0012/28/2009 10:06:03 AM
drumcorpsnut$50.00$9.3412/28/2009 10:10:40 AM
ferocious-exchange3$25.00$25.0012/28/2009 10:06:35 AM
tidy-dime$25.00$25.0012/28/2009 10:08:22 AM
diplomatic-point4$50.00$50.0012/28/2009 10:09:20 AM
Banker7371$25.00$25.0012/28/2009 10:09:48 AM
adir1$25.00$25.0012/28/2009 10:10:21 AM
wonderful-return5$25.00$25.0012/28/2009 10:10:30 AM
all_of_that_one$25.00$25.0012/28/2009 5:59:49 PM
dontscrewmeover1$50.00$50.0012/28/2009 6:40:24 PM
Airbandit$28.30$28.3012/28/2009 10:15:17 PM
nimcha$50.00$50.0012/29/2009 2:42:57 PM
Syzygy$25.00$25.0012/29/2009 4:19:00 PM
golffish2$100.00$100.0012/30/2009 8:03:07 AM
benefit-sniffer$25.00$25.0012/30/2009 1:44:23 PM
bonus-apple$200.00$200.0012/30/2009 3:07:16 PM
wonderous-power$25.00$25.0012/31/2009 6:06:21 AM
springpanda$25.00$25.0012/31/2009 1:35:39 PM
billnsc$25.00$25.0012/31/2009 3:32:52 PM
captainzero$75.00$75.0012/31/2009 4:52:19 PM
Spiv_51$25.00$25.001/1/2010 4:57:09 AM
DebDesert$25.00$25.001/1/2010 10:18:51 AM
durability-halibut$25.00$25.001/1/2010 11:04:10 AM
Astyanax$25.00$25.001/2/2010 10:02:29 PM
intuitive-deal5$120.00$120.001/3/2010 12:55:58 PM
Dover$50.00$50.001/3/2010 4:29:01 PM
rmpedi33$150.00$150.001/4/2010 7:39:31 AM
p2ploan-sensation211$50.00$50.001/4/2010 7:44:18 AM
StocksMan$50.00$50.001/4/2010 9:18:20 AM
391 bids
 
Borrower Payment Dependent Notes Series 440105
This series of Notes was issued and sold upon the funding of the borrower loan #40322, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,985.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Dec-29-2009 
  Auction end date:  Jan-03-2010 
 
Starting lender yield: 25.07% Starting borrower rate/APR: 26.07% / 28.39% Starting monthly payment: $160.71
Final lender yield: 25.07% Final borrower rate/APR: 26.07% / 28.39% Final monthly payment: $160.71
 
Auction yield range: 8.20% - 25.07% Estimated loss impact: 8.60%  
Lender servicing fee: 1.00% Estimated return: 16.47%  
<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: Jan-1996 Debt/Income ratio: 28%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:5y 4m
Amount delinquent: $0 Revolving credit balance: $48,460 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: WinOtops Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I'd rather pay you than Citi & BOA
Purpose of loan:
This loan will be used to pay off two credit card accounts.

My financial situation:
I am a good candidate for this loan because I've never missed a payment on any one of my credit cards, mortgage, vehicles, etc. and don't intend to.? As?the subject states, I'm sick and tired of paying?Citi and Bank of America for these cards.??By obtaining this loan I'm?arranging a?set time (36 months) to have these paid off and removed from my debt load.??All three of these?cards have been cut into very small pieces.? They will never be used again.

Additionally, I've worked in the same industry for more than 10 years.? Over that span of time I worked for the first four years with one company and the latter,?of which I am currently employed,?for six years.

Monthly net income: $3800-$6200? (commission-based)

Monthly expenses: $2900-$3400
??Housing (including insurance): $1230
??Car expenses: $290
??Utilities: $120-300
??Phone, cable, internet: $88
??Food, entertainment:?$100-200
??Clothing, household expenses?$MINIMAL
??Credit cards and other loans: $900 (roughly)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please describe the nature and stability of your employment and commission level in some detail. thnks much - reflective-rupee
A: As I stated before, I'm a fine wine sales representative. I sell wine to higher-end hotels, restaurants and retailers. My main focus/account is Walt Disney World. I've been working for the largest wine and spirits distributor for almost six years now. As far as "stability" goes, I would say that my position is very "stable" even with the economic downs our country has been experiencing. My commission is a flat percentage of my sales on top of a small salary. I will make $72,000 this year. (Dec-30-2009)
Q: Please list the balances of each of your debts, and please indicate the current value of your home (feel free to use zillow.com). thanks - reflective-rupee
A: First, the easy part. My home, according to Zillow, has a Zestimate of $208,500. This seems to be moderately accurate. If this were the case I would have $47,400 in equity. Debts are a little tough to list since my wife and I share a few joint accounts that weren't mine originally. $10,600 @ 0% - Vehicle $26,000 @ 9.9% - Credit card $2,300 @ 27.99% - Credit card ( was 12.99%) $1,300 @ 29.99% - Credit card (was 14.99%) $1,200 @ 22.99% - Gas card gets paid off every three months. (Dec-30-2009)
Q: Please describe your occupation. Also please indicate if you have health insurance for your family and how much you pay for it. Thanks. - exciting-fairness
A: Very odd. I answered this question last night. I just said "As I stated before" in the last question. I guess I didn't say it "before" due to the answer not making it to the listing. Anyway... We have great health insurance. We pay roughtly $210 per month. I sell fine wine to many higher-end hotels, restaurants, and retailers. My account list includes Walt Disney World, Talk of the Town Restaurant Group, Waldorf Astoria, etc. (Dec-30-2009)
Q: Your previous listing that expired was an "A" but 8 days later you had a rating of "C". Why the big change in 8 days? - JackinGreen
A: I was wondering the same thing. It doesn't make any sense to me. I've done nothing different. As always, everything has been paid. Your guess is as good as mine. (Jan-01-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cbz$25.00$25.0012/29/2009 4:05:49 PM
Quiz18$25.00$25.0012/29/2009 4:01:54 PM
smart-gain$25.00$25.0012/29/2009 4:10:20 PM
Au-Ag-Pt$36.53$36.5312/29/2009 4:21:12 PM
robot777$40.00$40.0012/29/2009 4:24:12 PM
Tc11902$25.00$25.0012/29/2009 4:24:19 PM
admirable-credit$25.00$25.0012/29/2009 4:32:06 PM
reflective-rupee$100.00$100.0012/29/2009 4:33:35 PM
jybank$50.00$50.0012/29/2009 8:03:41 PM
five-star-note$25.37$25.3712/30/2009 8:06:34 AM
exchange-cowbell5$150.00$150.0012/30/2009 9:51:11 AM
wealth-comet694$30.00$30.0012/30/2009 12:40:34 PM
reflective-rupee$100.00$100.0012/30/2009 1:58:04 PM
exciting-fairness$200.00$200.0012/30/2009 2:40:18 PM
wise-silver-wonder$25.00$25.0012/30/2009 2:42:10 PM
tender-ore$25.00$25.0012/30/2009 9:15:14 PM
truth-fanatic$25.53$25.5312/30/2009 8:18:30 PM
balance-force$26.00$26.0012/31/2009 7:56:47 AM
Capit0l$25.00$25.0012/31/2009 11:17:12 AM
Borhino$25.00$25.0012/31/2009 12:40:36 PM
mlj0671$37.00$37.0012/31/2009 1:31:45 PM
MO_Investor$25.00$25.0012/31/2009 3:20:00 PM
Syzygy$25.00$25.0012/31/2009 5:33:26 PM
Bank_Of_XL$100.00$100.001/1/2010 7:52:47 AM
marala4285$25.00$25.001/1/2010 6:29:02 AM
FmrEngr2Phd$75.00$75.0012/31/2009 6:42:31 PM
JPAW777$25.00$25.001/1/2010 8:03:21 AM
COCHINOBOY$38.59$38.5912/31/2009 11:27:43 PM
Ven58$25.00$25.001/1/2010 7:56:36 AM
pie5678$50.00$50.001/1/2010 2:47:07 PM
JackinGreen$75.00$75.001/1/2010 10:46:00 AM
moola-master$50.00$50.001/1/2010 1:30:11 PM
periko$25.00$25.001/1/2010 6:31:01 PM
PrinceValium$50.00$50.001/1/2010 3:06:06 PM
DenimCapital$100.00$100.001/1/2010 5:36:50 PM
DasMula$100.00$100.001/1/2010 9:45:47 PM
durability-halibut$25.00$25.001/1/2010 9:49:17 PM
ghinga$25.00$25.001/2/2010 1:41:36 PM
CERTIFIED$100.00$100.001/2/2010 7:50:05 AM
cashhelp$25.00$25.001/2/2010 7:53:08 AM
don'twannadance$50.00$50.001/2/2010 5:54:38 AM
Montiesholdings$36.68$36.681/2/2010 11:18:33 AM
superstar449$50.00$41.591/2/2010 6:44:36 PM
gelt4u$25.00$25.001/2/2010 10:38:11 AM
Carne_Chung$25.00$25.001/3/2010 12:23:57 AM
goodcents$30.00$30.001/2/2010 4:51:01 PM
EretzCapital$50.17$50.171/2/2010 5:53:33 PM
CatbirdBanking$25.00$25.001/2/2010 8:11:38 PM
courteous-bazaar$100.00$100.001/3/2010 12:21:10 AM
twjh$25.00$25.001/3/2010 12:26:15 AM
IASKGOD$25.00$25.001/3/2010 11:29:59 AM
caseattle$25.00$25.0012/29/2009 4:21:57 PM
well-mannered-income3$25.00$25.0012/29/2009 7:12:06 PM
reflective-rupee$50.00$50.0012/29/2009 10:01:49 PM
1traveler$25.00$25.0012/30/2009 12:21:06 AM
fuzed$25.00$25.0012/30/2009 10:50:36 AM
hellasow$25.00$25.0012/30/2009 3:34:14 PM
credit-coach118$25.00$25.0012/30/2009 5:33:15 PM
BenR$100.00$100.0012/31/2009 6:16:50 AM
Sambamm1$25.00$25.0012/31/2009 9:23:00 AM
nalaari$100.00$100.0012/31/2009 7:17:51 AM
buffalobills$25.00$25.0012/31/2009 7:29:54 AM
capatzana$50.00$50.0012/31/2009 9:41:28 AM
GeoLender$25.00$25.0012/31/2009 10:51:36 AM
income-fortress$25.00$25.0012/31/2009 10:26:42 AM
Quest4euphoria$25.00$25.0012/31/2009 12:50:32 PM
LAKETIME$25.00$25.0012/31/2009 1:06:07 PM
Bob450$50.00$50.0012/31/2009 1:51:54 PM
Axis$30.00$30.001/1/2010 12:47:27 AM
OSERENKUKU$25.00$25.001/1/2010 12:46:38 AM
tenacious-payout$25.00$25.001/1/2010 5:46:01 PM
loss-of-control$25.00$25.001/1/2010 5:54:53 PM
gelidfrank$25.00$25.001/1/2010 2:10:56 PM
DasMula$50.00$50.001/1/2010 10:22:34 PM
vivacious-p2p3$50.00$50.001/2/2010 7:52:35 AM
what_goes_around$200.00$200.001/2/2010 5:37:37 AM
circustab$50.00$50.001/2/2010 7:36:11 AM
amor1962$25.00$25.001/2/2010 3:44:22 PM
welshcat$50.00$50.001/2/2010 5:23:18 AM
steady-dime$30.97$30.971/2/2010 4:01:24 PM
sympathetic-greenback5$25.00$25.001/2/2010 2:11:17 PM
AndyT1999$25.00$25.001/2/2010 10:10:19 PM
OldManP$25.00$25.001/2/2010 11:30:19 PM
vine99$50.00$50.001/2/2010 7:39:16 PM
jrhinomo$56.57$56.571/2/2010 2:07:50 PM
Kash2010lu$25.00$25.001/3/2010 8:07:03 AM
creative-reward1$25.00$25.001/3/2010 7:57:42 AM
deal_11$50.00$50.001/3/2010 8:58:05 AM
Gobsek$25.00$25.001/3/2010 11:25:06 AM
89 bids
 
Borrower Payment Dependent Notes Series 440235
This series of Notes was issued and sold upon the funding of the borrower loan #40309, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Dec-29-2009 
  Auction end date:  Dec-31-2009 
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 31.98% Starting monthly payment: $41.36
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 29.93% Final monthly payment: $40.29
 
Auction yield range: 8.20% - 27.00% Estimated loss impact: 7.10%  
Lender servicing fee: 1.00% Estimated return: 17.90%  
<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: Sep-1998 Debt/Income ratio: 25%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $30,291 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: loot-contributor5 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fixing Kitchen before Tax time
Purpose of loan:
This loan will be used to? fix my kitchen before I get my tax refund. I plan on paying this loan way before its 3 year term.

My financial situation:
I am a good candidate for this loan because? I own a 3 family property and have a household income over 160k. I am trying not to use my credit cards anymore so a loan would sit me better.

Monthly net income: $ 10000

Monthly expenses: $
??Housing: $ 4000
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 500
??Phone, cable, internet: $ 400
??Food, entertainment: $?400????
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Borrow2Grow$51.00$51.0012/29/2009 4:08:23 PM
Tc11902$25.00$25.0012/29/2009 4:24:18 PM
Little_Tuna_College_Fund$50.00$2.0012/29/2009 9:43:52 PM
Little_Tuna_College_Fund$50.00$50.0012/29/2009 9:45:39 PM
Little_Tuna_College_Fund$50.00$50.0012/29/2009 9:44:11 PM
Runegeld$25.00$25.0012/30/2009 9:25:46 AM
felicity-daydream$50.00$50.0012/30/2009 9:28:51 AM
Bank_Of_XL$50.00$50.0012/30/2009 8:11:08 AM
wwwUniversal$25.00$25.0012/30/2009 10:10:52 AM
Chava15$25.00$25.0012/30/2009 3:19:18 PM
Byrd24$100.00$100.0012/30/2009 4:14:20 PM
Syzygy$25.00$25.0012/30/2009 4:25:57 PM
cheech29$30.00$30.0012/30/2009 7:38:18 PM
tender-ore$25.00$25.0012/30/2009 9:12:46 PM
seineil$25.00$25.0012/31/2009 1:29:39 AM
leverage-monger$50.00$50.0012/31/2009 7:44:07 AM
GreenHill$25.00$25.0012/31/2009 6:45:12 AM
wealth-comet694$25.00$25.0012/31/2009 10:04:47 AM
robot777$40.00$40.0012/29/2009 4:24:14 PM
FinDoc$25.00$25.0012/29/2009 5:12:25 PM
wise-silver-wonder$25.00$25.0012/29/2009 8:05:23 PM
Little_Tuna_College_Fund$50.00$50.0012/29/2009 9:44:24 PM
penny-surgeon$25.00$25.0012/29/2009 9:46:05 PM
boredlv$25.00$25.0012/30/2009 9:58:52 AM
twjh$25.00$25.0012/30/2009 10:09:56 AM
wise-balanced-moola$25.00$25.0012/30/2009 10:10:12 AM
trade77$25.00$25.0012/30/2009 9:50:20 AM
lijah10$25.00$25.0012/30/2009 10:01:39 AM
hellasow$25.00$25.0012/30/2009 3:18:18 PM
4mydaughterseducation$27.00$27.0012/30/2009 5:45:58 PM
30 bids
 
Borrower Payment Dependent Notes Series 440391
This series of Notes was issued and sold upon the funding of the borrower loan #40316, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,200.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-30-2009 
  Auction end date:  Jan-02-2010 
 
Starting lender yield: 11.85% Starting borrower rate/APR: 12.85% / 14.99% Starting monthly payment: $73.97
Final lender yield: 11.85% Final borrower rate/APR: 12.85% / 14.99% Final monthly payment: $73.97
 
Auction yield range: 4.20% - 11.85% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.71%  
<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: May-1991 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2009) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:5y 11m
Amount delinquent: $0 Revolving credit balance: $28,235 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wise-intelligent-rate Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help my son become an Officer!
Purpose of loan: I'm not giving up on this! My son is an Army Reservist and has been making full use of his education benefits, as his goal in life is to go active duty after he becomes an officer! To do this he needs a few more credit hours, then he will be eligible for the cadet program, meaning his school will be paid in full and he won't have to rely solely on his GI bill to make due. He is a hard working student so I wanted to give him a real present ( if not late now ) and help him finish off these last few credits! He's applied for many loans himself and refuses to ask me for help, but I'm going to do this anyways.

My financial situation:
?I am in a very stable financial situation and will have no issues paying this loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: This is a re-list. Why did your last listing, which was fully funded, get withdrawn? - thaceisbac
A: Originally I had entered the loan with my son's account and not my own, the error on my part was failing to realize that it had to be my own account for purposes of the loan. I found this out about halfway through but I had entered that account with the listing, I tried to send my own account and thought everything would be in order as I sent the necessary documentation but they can only send the funds to the account that was originally entered with the loan. I had to re-list with my own account (Jan-01-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
a2190b$50.00$50.0012/30/2009 6:39:56 PM
Johnab$25.00$25.0012/30/2009 4:51:56 PM
Harpersferry$50.00$50.0012/30/2009 5:27:10 PM
1traveler$25.00$25.0012/30/2009 8:37:19 PM
SCD$25.00$25.0012/30/2009 6:09:55 PM
Asparagirl$50.00$50.0012/31/2009 12:56:49 AM
fantastic-dime$50.00$50.0012/30/2009 7:58:31 PM
dime-neutron$25.00$25.0012/31/2009 3:16:13 AM
exciting-fairness$200.00$200.0012/31/2009 5:41:54 AM
UKJase$25.00$25.0012/31/2009 7:04:40 AM
TigerForce$210.74$210.7412/31/2009 3:55:09 PM
nolahelper$30.00$30.0012/31/2009 9:05:25 PM
FmrEngr2Phd$50.00$50.0012/31/2009 6:39:13 PM
DSK_Financials$50.00$50.0012/31/2009 5:06:56 PM
Ven58$25.00$25.0012/31/2009 5:14:24 PM
Bob450$25.00$25.001/1/2010 9:56:00 AM
maccpro1$50.00$50.001/1/2010 1:12:57 PM
IcedMochaFund$25.00$25.001/1/2010 7:44:38 AM
heng2x$50.00$50.001/1/2010 11:59:20 AM
investment-forte$25.00$25.001/1/2010 6:39:10 PM
tamcho$25.00$25.001/2/2010 7:12:04 AM
durability-halibut$25.00$25.001/2/2010 2:08:04 PM
uarewhatuthink$118.88$118.881/2/2010 12:13:20 PM
Johnab$25.00$25.001/2/2010 7:15:42 AM
CERTIFIED$100.00$100.001/2/2010 7:55:57 AM
Kenosplit$207.66$207.661/2/2010 2:59:02 PM
omahajay$25.00$25.0012/30/2009 6:16:14 PM
justme4now$25.00$25.0012/31/2009 5:21:48 AM
BenR$100.00$100.0012/31/2009 6:16:03 AM
VMoney1$25.00$25.0012/31/2009 6:20:29 AM
beakerfish$25.00$7.7212/31/2009 9:33:59 AM
Kenosplit$100.00$100.0012/31/2009 11:40:50 AM
LAKETIME$25.00$25.0012/31/2009 1:07:40 PM
eBankInvest$25.00$25.001/1/2010 5:55:36 AM
munro$25.00$25.0012/31/2009 8:29:14 PM
worth-sanctuary9$50.00$50.001/1/2010 8:27:04 AM
gourd6$25.00$25.001/1/2010 8:52:38 AM
spiker77$50.00$50.001/1/2010 11:23:35 AM
tomjac2000$25.00$25.001/1/2010 9:55:06 AM
creative-reward1$25.00$25.001/1/2010 9:25:24 AM
gelidfrank$25.00$25.001/1/2010 2:02:43 PM
blissful-penny$25.00$25.001/1/2010 9:58:06 PM
don'twannadance$50.00$50.001/2/2010 5:52:41 AM
43 bids