Sales Report:Supplement No. 117 dated Jan 14, 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 419216
This series of Notes was issued and sold upon the funding of the borrower loan #40398, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Dec-30-2009 
  Auction end date:  Jan-06-2010 
 
Starting lender yield: 17.09% Starting borrower rate/APR: 18.09% / 20.30% Starting monthly payment: $144.79
Final lender yield: 11.33% Final borrower rate/APR: 12.33% / 14.47% Final monthly payment: $133.49
 
Auction yield range: 6.20% - 17.09% Estimated loss impact: 5.18%  
Lender servicing fee: 1.00% Estimated return: 6.15%  
<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: Jul-1992 Debt/Income ratio: 5%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: return-innovator738 Borrower's state: NewHampshire 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
PADI Scuba Diving Internship
Purpose of loan:
This loan will be used to??help pay for a?6 month scuba divemaster/instuctor internship. I have about 60% of the course fees saved.

My financial situation:
I am a good candidate for this loan because? I am a full time employee and I have a strong desire to learn a new skill. If approved for the loan, I could then put the deposit down needed for the course and be placed in the program. I am planning on taking the course?between 11/09-04/10. This is the direction that I want to take my life and any assistance would be appreciated. I originally applied for a $10000.00 loan but since the hiatus on Prosper, I have managed to save $6000.00 so I just need a little more assistance. Thanks again.

Monthly net income: $2700-2900

Monthly expenses: $
??Housing: $ 600.00
??Insurance: $ 44.00
??Car expenses: $ 300
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 35.00
??Other expenses: $
undefinedundefined 
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)
Streamfeeder$25.00$25.0012/31/2009 9:31:03 AM
UKJase$25.00$25.0012/31/2009 7:06:46 AM
SOP_Bank$25.00$25.0012/31/2009 9:33:35 AM
marwadi-62$50.00$50.0012/31/2009 10:07:54 AM
bankojerry$25.00$25.0012/31/2009 11:38:36 AM
qkinger$50.00$50.0012/31/2009 12:47:32 PM
eBankInvest$30.00$30.001/1/2010 5:56:14 AM
corran$50.00$50.001/1/2010 9:23:04 AM
revenue-serenity$25.00$25.001/1/2010 10:52:40 PM
rsigroup3$50.00$50.001/2/2010 7:23:58 AM
savedollarinc$25.00$25.001/3/2010 3:55:58 PM
rmpedi33$150.00$150.001/4/2010 7:36:54 AM
vtr1000$26.24$26.241/4/2010 10:02:15 AM
rockhound84$25.00$25.001/4/2010 12:43:07 PM
TigerForce$26.71$26.711/4/2010 4:23:50 PM
hope-lionheart1$25.00$25.001/4/2010 9:40:09 PM
qcksilvr20$80.00$80.001/5/2010 5:47:23 AM
Nitronian$50.00$50.001/5/2010 6:47:46 AM
many_many$77.92$77.921/5/2010 10:46:53 AM
crdcteng$50.00$50.001/5/2010 10:44:46 AM
kf88$30.00$30.001/5/2010 1:34:55 PM
Johnab$25.00$25.001/5/2010 3:31:55 PM
semi0tical$50.00$50.001/5/2010 4:30:42 PM
JerryB96$25.00$25.001/5/2010 9:48:01 PM
Sealion$50.00$50.001/6/2010 6:46:29 AM
fatboy888$25.00$25.001/6/2010 7:19:34 AM
mauge35$27.31$27.311/5/2010 5:27:19 PM
dudebrah$26.00$26.001/5/2010 5:45:25 PM
favorite-commerce$25.00$25.001/6/2010 9:18:54 AM
banker366$25.00$25.001/5/2010 6:18:51 PM
JayK$25.00$25.001/6/2010 11:07:58 AM
RTPCorporation$50.00$50.001/6/2010 11:10:35 AM
wild-orange$25.00$25.001/6/2010 1:27:48 AM
momentous-coin$75.00$75.001/5/2010 9:18:12 PM
enriching-payout$25.00$25.001/6/2010 7:30:25 AM
suburbanman64$30.00$30.001/6/2010 1:53:44 PM
jsnryn$25.00$25.001/6/2010 7:34:15 AM
bondhedger$25.00$25.001/6/2010 3:20:13 PM
invincible-gain$30.00$30.001/6/2010 10:15:59 AM
credit-coach118$25.00$25.001/6/2010 9:37:16 AM
Jinja$25.18$25.181/6/2010 11:01:03 AM
The-CAPS-fan$35.00$35.001/6/2010 2:32:23 PM
nickel-master$50.00$50.001/6/2010 2:40:50 PM
power-cell$50.00$50.001/6/2010 3:23:29 PM
worth-quark$25.00$25.001/6/2010 3:39:37 PM
vulgy$25.00$25.0012/30/2009 6:01:34 PM
impartial-deal$25.00$25.0012/31/2009 9:43:29 AM
lenderinnevada$70.00$70.0012/31/2009 1:50:15 PM
szetheli$153.00$153.0012/31/2009 9:23:17 PM
ksubd$40.00$40.0012/31/2009 9:49:33 PM
marala4285$25.00$25.001/1/2010 6:49:32 AM
vine99$85.00$85.001/1/2010 2:31:45 PM
Eaglehigh$25.00$25.001/1/2010 8:16:10 AM
cutter21$25.00$25.001/1/2010 7:51:35 PM
what_goes_around$100.00$100.001/2/2010 3:12:59 AM
poolboy17$25.00$25.001/1/2010 10:08:48 PM
one-midas$50.00$50.001/2/2010 4:44:27 PM
Edgewood$25.00$25.001/3/2010 1:09:14 AM
microlendblvr$100.00$100.001/3/2010 7:28:41 AM
Lender0307$25.00$25.001/3/2010 8:54:17 PM
Robbdogg$37.26$37.261/4/2010 1:12:47 PM
Nicedad72$25.00$25.001/4/2010 5:09:05 PM
Nash2065$25.00$25.001/4/2010 8:06:13 PM
JackinGreen$75.00$75.001/4/2010 9:23:57 PM
Johnab$25.00$25.001/5/2010 4:50:14 AM
dmk2006$25.00$25.001/5/2010 6:40:25 AM
twtb19$50.00$50.001/5/2010 9:41:16 AM
Exibility-Inc$25.00$25.001/5/2010 12:35:46 PM
glazeddonuts$25.00$25.001/5/2010 4:40:34 PM
jybank$25.00$25.001/5/2010 4:45:13 PM
scottysidewinder$25.00$25.001/5/2010 5:12:41 PM
heerzaquestion$25.00$25.001/5/2010 5:45:00 PM
jrobe925$25.00$25.001/5/2010 4:38:04 PM
Richmp412$25.00$25.001/6/2010 7:15:46 AM
Cory79$32.53$32.531/5/2010 5:02:45 PM
gpuck$25.00$25.001/5/2010 4:47:34 PM
REITRUST$25.00$25.001/6/2010 9:09:58 AM
Snoopylover$25.00$25.001/6/2010 10:30:02 AM
richmondcowboy$50.00$50.001/5/2010 7:03:15 PM
ghinga$25.00$25.001/6/2010 12:00:53 PM
SPickle$25.00$25.001/6/2010 12:06:52 PM
Scubadiver$50.00$50.001/6/2010 12:20:55 PM
StrongMonty$40.16$40.161/6/2010 2:06:08 AM
a-truth-director$25.00$25.001/6/2010 5:05:57 AM
lazyeye$50.00$7.691/6/2010 8:16:18 AM
amlu1988$25.00$25.001/6/2010 2:17:13 PM
CashBank$25.00$25.001/6/2010 9:29:52 AM
exchange-cowbell5$150.00$150.001/6/2010 3:17:03 PM
exciting-fairness$200.00$200.001/6/2010 3:19:08 PM
generous-deal6$25.00$25.001/6/2010 3:25:36 PM
PalmerTheEmbalmer$25.00$25.001/6/2010 12:11:19 PM
dorypro$25.00$25.001/6/2010 11:34:10 AM
the-profit-oracle$25.00$25.001/6/2010 1:52:58 PM
dood2112$25.00$25.001/6/2010 12:55:52 PM
OoM$25.00$25.001/6/2010 2:47:27 PM
organic-platinum$25.00$25.001/6/2010 3:33:42 PM
serene-capital$25.00$25.001/6/2010 3:37:46 PM
twuck$40.00$40.001/6/2010 3:32:56 PM
gilbrear$25.00$25.001/6/2010 3:36:44 PM
StocksMan$50.00$50.001/6/2010 3:53:39 PM
100 bids
 
Borrower Payment Dependent Notes Series 440848
This series of Notes was issued and sold upon the funding of the borrower loan #40411, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-04-2010 
  Auction end date:  Jan-08-2010 
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $367.84
Final lender yield: 8.35% Final borrower rate/APR: 9.35% / 11.45% Final monthly payment: $367.57
 
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: 9 First credit line: Dec-1979 Debt/Income ratio: 21%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 27 / 25Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 58Length of status:22y 9m
Amount delinquent: $0 Revolving credit balance: $31,946 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: best-neighborly-social 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
Reduce Interest Rate - Credit cards
Purpose of loan:
This loan will be used to pay off high interest credit cards, and pay a more reasonable interest rate.? The rates on?most accounts?have all been?raised despite regular payments.? Some of those credit card companies that I have contacted?have agreed to reduce rates, but they are still so high that the majority of the payment merely pays the interest payment.

My financial situation:
I am a good candidate for this loan because I am a long time employee with a financial company, and?have the income to make the necessary payments.??I have not been using these credit cards for well over a year, and I have not activated replacement cards.??? I pay for all bills and living expenses via checking account and debit card.??I also have $35,000 in equity in my?home, and have always made mortage payments on time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Luv2Bless$25.00$25.001/4/2010 9:25:31 AM
CalBear5$25.00$25.001/4/2010 9:25:42 AM
whsprint$25.00$25.001/4/2010 9:25:28 AM
kulender$25.00$25.001/4/2010 9:27:32 AM
microlendblvr$150.00$150.001/4/2010 9:25:34 AM
piter-to-la-investment$25.00$25.001/4/2010 9:28:20 AM
commitment-forte6$25.00$25.001/4/2010 9:28:30 AM
skiingawfs$25.00$25.001/4/2010 9:26:23 AM
docktah$50.00$50.001/4/2010 9:26:29 AM
The-CAPS-fan$30.00$30.001/4/2010 9:28:39 AM
studious-listing8$25.00$25.001/4/2010 9:28:52 AM
CSUgrad08$25.00$25.001/4/2010 9:26:49 AM
durability-mad-scientist4$100.00$100.001/4/2010 9:29:11 AM
larrybird$100.00$100.001/4/2010 9:26:54 AM
Katburg$35.00$35.001/4/2010 9:27:25 AM
Macinvest$25.00$25.001/4/2010 9:31:52 AM
affluence-tycoon$25.00$25.001/4/2010 9:28:49 AM
SnE$25.00$25.001/4/2010 9:32:09 AM
payout-point$50.00$50.001/4/2010 9:28:58 AM
Prosp_Lender$25.00$25.001/4/2010 9:26:07 AM
worklessmakemore$25.00$25.001/4/2010 9:29:28 AM
dmfog$25.00$25.001/4/2010 9:26:35 AM
teller$25.00$25.001/4/2010 9:33:11 AM
value-pole$25.00$25.001/4/2010 9:30:10 AM
ekmendenhall$25.00$25.001/4/2010 9:33:21 AM
wise-extraordinary-loot$30.00$30.001/4/2010 9:30:21 AM
peso-colonel$25.00$25.001/4/2010 9:27:46 AM
xstreamin$25.00$25.001/4/2010 9:31:13 AM
Dutchhunter$25.00$25.001/4/2010 9:31:26 AM
GlobalLending$25.00$25.001/4/2010 9:35:37 AM
orange-value-exec$25.00$25.001/4/2010 9:36:03 AM
Weaverville$25.00$25.001/4/2010 9:32:17 AM
E-normous$25.00$25.001/4/2010 9:36:29 AM
Interstate_Rate$500.00$500.001/4/2010 9:28:44 AM
geniusj$25.00$25.001/4/2010 9:32:59 AM
Klearwater_Pools$25.00$25.001/4/2010 9:37:16 AM
mikeandcat$50.00$50.001/4/2010 9:29:39 AM
CAGE-Investments$100.00$100.001/4/2010 9:29:41 AM
lloyd_s$25.00$25.001/4/2010 9:29:53 AM
galaxy1$25.00$25.001/4/2010 9:38:39 AM
elasermd$50.00$50.001/4/2010 9:33:52 AM
Lightlife$50.00$50.001/4/2010 9:30:17 AM
museic1$50.00$50.001/4/2010 9:30:27 AM
fair-responsibility6$25.00$25.001/4/2010 9:34:15 AM
Clambake$50.00$50.001/4/2010 9:30:51 AM
ThomasCrown$30.00$30.001/4/2010 9:31:21 AM
tom48l$25.00$25.001/4/2010 9:32:04 AM
accordion8$50.00$50.001/4/2010 9:32:12 AM
DrZoidberg$25.00$25.001/4/2010 9:41:30 AM
fair-funds$25.00$25.001/4/2010 9:32:42 AM
Carpetkid$25.00$25.001/4/2010 9:33:04 AM
bowdish1$50.00$50.001/4/2010 9:41:53 AM
impeccable-transparency$75.00$75.001/4/2010 9:33:27 AM
NR$25.00$25.001/4/2010 9:43:00 AM
CaptainBlueberry$25.00$25.001/4/2010 9:38:37 AM
junctionking$25.00$25.001/4/2010 9:43:30 AM
peaceful-return2$25.00$25.001/4/2010 9:43:52 AM
CPDDDS$50.00$50.001/4/2010 9:44:19 AM
bountiful-bazaar$25.00$25.001/4/2010 9:45:00 AM
auction-elvis$25.00$25.001/4/2010 9:45:15 AM
credit-force5$25.00$25.001/4/2010 9:45:39 AM
nuclearmoose$25.00$25.001/4/2010 9:37:12 AM
Purposeful$100.00$100.001/4/2010 9:46:11 AM
emelia$25.00$25.001/4/2010 9:46:23 AM
community-broadcaster$25.00$25.001/4/2010 9:46:37 AM
unk1911$25.00$25.001/4/2010 9:46:56 AM
thevogelfamily$40.00$40.001/4/2010 9:47:05 AM
stanbalwight4$25.00$25.001/4/2010 9:41:45 AM
brandnewradio$25.00$25.001/4/2010 9:42:11 AM
SeaDevil$50.00$50.001/4/2010 9:42:28 AM
diplomatic-point4$100.00$100.001/4/2010 9:48:28 AM
mcs86d$25.00$25.001/4/2010 9:39:18 AM
kaykarun$25.00$25.001/4/2010 9:48:43 AM
inventive-wealth2$25.00$25.001/4/2010 9:39:34 AM
cpaphoto$25.00$25.001/4/2010 9:43:23 AM
sensible-order2$25.00$25.001/4/2010 9:43:34 AM
orange-preeminant-bill$100.00$100.001/4/2010 9:49:37 AM
WHEREISTHEMOON$25.00$25.001/4/2010 9:40:07 AM
gracej$25.00$25.001/4/2010 9:49:51 AM
Pasagam$25.00$25.001/4/2010 9:40:12 AM
cptproton$25.00$25.001/4/2010 9:49:58 AM
top-silver-american$25.00$25.001/4/2010 9:43:59 AM
return-marsupial3$25.00$25.001/4/2010 9:50:40 AM
Cypher041$25.00$25.001/4/2010 9:50:50 AM
brightest-income-hunter$25.00$25.001/4/2010 9:40:57 AM
Beeeej$25.00$25.001/4/2010 9:44:49 AM
neenerman$33.92$33.921/4/2010 9:51:00 AM
terryaj$25.00$25.001/4/2010 9:44:53 AM
ImaPutz$25.00$25.001/4/2010 9:51:26 AM
benjamins-voyage$25.00$25.001/4/2010 9:45:22 AM
supreme-hope$25.00$25.001/4/2010 9:51:53 AM
vkorichkov$30.00$30.001/4/2010 9:52:02 AM
gatorsean2168$25.00$25.001/4/2010 9:41:47 AM
first-fund-empenada$25.00$25.001/4/2010 9:45:56 AM
Speculator$50.00$50.001/4/2010 9:52:20 AM
granitepk$25.00$25.001/4/2010 9:46:16 AM
Reinadog9$25.00$25.001/4/2010 9:52:37 AM
Phantom99$25.00$25.001/4/2010 9:42:54 AM
radiant-fund$25.00$25.001/4/2010 9:53:04 AM
p123$50.00$50.001/4/2010 9:43:14 AM
oreyedoc$25.00$25.001/4/2010 9:46:49 AM
portfolio-zone801$25.00$25.001/4/2010 9:53:19 AM
ambmba$25.00$25.001/4/2010 9:47:00 AM
sk8ndive$25.00$25.001/4/2010 9:47:17 AM
head$25.00$25.001/4/2010 9:53:36 AM
tomas090$25.00$25.001/4/2010 9:44:09 AM
30Sky$25.00$25.001/4/2010 9:44:40 AM
lifegrowth$25.00$25.001/4/2010 9:44:45 AM
Archchancellor$25.00$25.001/4/2010 9:44:57 AM
cingular$25.00$25.001/4/2010 9:48:39 AM
GElender$50.00$50.001/4/2010 9:45:27 AM
inspiring-reward$50.00$50.001/4/2010 9:46:07 AM
fortytwo$100.00$100.001/4/2010 9:49:26 AM
gallant-camaraderi$25.00$25.001/4/2010 9:46:19 AM
fair-rate$25.00$25.001/4/2010 9:56:02 AM
heng2x$25.00$25.001/4/2010 9:50:05 AM
DUDE66$50.00$50.001/4/2010 9:46:42 AM
friendly-market5$25.00$25.001/4/2010 9:46:50 AM
market-builder$25.00$25.001/4/2010 9:50:54 AM
red-undaunted-kindness$100.00$100.001/4/2010 9:51:06 AM
cognizant-rate732$25.00$25.001/4/2010 9:51:33 AM
a-resplendent-asset$50.00$50.001/4/2010 9:47:36 AM
beezling$40.00$40.001/4/2010 9:47:50 AM
LAKESPRING$25.00$25.001/4/2010 9:52:08 AM
fcukciti$25.00$25.001/4/2010 9:52:32 AM
Rob717171$25.00$25.001/4/2010 9:48:05 AM
red-favorable-basis$25.00$25.001/4/2010 9:52:57 AM
ocho$25.00$25.001/4/2010 9:53:09 AM
Siafu$25.00$25.001/4/2010 9:53:52 AM
best-phenomenal-treasure$25.00$25.001/4/2010 9:53:55 AM
Lilred7879$50.00$50.001/4/2010 9:48:55 AM
LiquidLender$25.00$25.001/4/2010 9:54:29 AM
majestic-dedication$50.00$50.001/4/2010 9:58:59 AM
Artist_Blue$25.00$25.001/4/2010 9:49:45 AM
Havana21$25.00$25.001/4/2010 9:55:01 AM
yield-lion$25.00$25.001/4/2010 9:55:09 AM
respectful-note$25.00$25.001/4/2010 9:50:39 AM
PRGuyinVA$25.00$25.001/4/2010 9:50:45 AM
brilliant-revenue$25.00$25.001/4/2010 9:51:31 AM
Cheburashka$25.00$25.001/4/2010 9:51:44 AM
note-tent$50.00$50.001/4/2010 9:57:02 AM
Fiimg$50.00$50.001/4/2010 9:52:28 AM
djh47a$30.00$30.001/4/2010 9:52:40 AM
foxy-fund$50.00$50.001/4/2010 9:53:23 AM
boater01$50.00$50.001/4/2010 9:54:00 AM
responsibility-butterfly$25.00$25.001/4/2010 9:54:02 AM
srilm$25.00$25.001/4/2010 9:54:41 AM
principal-kung-fu$25.00$25.001/4/2010 9:54:54 AM
integrity-doctor$50.00$50.001/4/2010 9:54:58 AM
superstar449$25.00$25.001/4/2010 9:56:45 AM
thedoctor$90.00$90.001/4/2010 9:56:57 AM
personal-lender$25.00$23.971/4/2010 10:02:18 AM
BlindProphet$25.00$25.001/4/2010 9:57:58 AM
asdf9876$25.00$25.001/4/2010 9:59:20 AM
platinum-czar$25.00$25.001/6/2010 10:24:13 AM
AtlantistoXanadu$100.00$100.001/6/2010 5:18:58 PM
durability-halibut$25.00$25.001/7/2010 1:03:55 PM
payout-magician$25.00$25.001/7/2010 8:24:10 PM
listing-exchanger596$25.00$25.001/8/2010 6:45:51 AM
RadarLuv$25.00$25.001/8/2010 8:07:36 AM
yield-hero4$25.00$25.001/4/2010 9:26:41 AM
UT-Longhorn$25.00$25.001/4/2010 9:27:16 AM
kelseyshea$25.00$25.001/4/2010 9:25:26 AM
treasure-bliss$100.00$100.001/4/2010 9:27:38 AM
RICHMONDREB$25.00$25.001/4/2010 9:25:51 AM
schpere$25.00$25.001/4/2010 9:25:58 AM
PocketAces$25.00$25.001/4/2010 9:28:24 AM
aventurer$25.00$25.001/4/2010 9:26:17 AM
worthy-reward1$50.00$50.001/4/2010 9:28:36 AM
burrito6$25.00$25.001/4/2010 9:27:07 AM
crazycool$25.00$25.001/4/2010 9:27:13 AM
Cai8899$50.00$50.001/4/2010 9:30:59 AM
sjlender$25.00$25.001/4/2010 9:28:10 AM
Steveoo1$25.00$25.001/4/2010 9:28:16 AM
harperpotok$100.00$100.001/4/2010 9:31:34 AM
hyetech$35.00$35.001/4/2010 9:31:42 AM
spreadgoodwill$25.00$25.001/4/2010 9:29:20 AM
best-deal-banker$25.00$25.001/4/2010 9:32:31 AM
reward-adventure$25.00$25.001/4/2010 9:32:37 AM
elevated-platinum5$50.00$50.001/4/2010 9:32:50 AM
honorable-yield$50.00$50.001/4/2010 9:33:09 AM
18th_beachbum$25.00$25.001/4/2010 9:27:18 AM
chicco$80.00$80.001/4/2010 9:31:05 AM
youqianderen$50.00$50.001/4/2010 9:31:11 AM
puifais$25.00$25.001/4/2010 9:27:59 AM
digitalrinaldo$25.00$25.001/4/2010 9:31:47 AM
trustu$25.00$25.001/4/2010 9:31:59 AM
payout-equalizer8$25.00$25.001/4/2010 9:32:25 AM
Bank42$50.00$50.001/4/2010 9:29:23 AM
special-responsibility$25.00$25.001/4/2010 9:29:31 AM
burgeoning-silver$25.00$25.001/4/2010 9:29:47 AM
ryreesado$25.00$25.001/4/2010 9:38:34 AM
miked8303$25.00$25.001/4/2010 9:30:04 AM
bonus-buddy2$35.00$35.001/4/2010 9:30:38 AM
AngleofGod$25.00$25.001/4/2010 9:34:17 AM
Brainworm$25.00$25.001/4/2010 9:34:41 AM
dignified-finance$25.00$25.001/4/2010 9:31:30 AM
nickel-advocator$25.00$25.001/4/2010 9:41:02 AM
openness-prospector$25.00$25.001/4/2010 9:41:17 AM
desertoasis$25.00$25.001/4/2010 9:36:49 AM
respectful-integrity3$25.00$25.001/4/2010 9:36:51 AM
time4aloan$25.00$25.001/4/2010 9:41:35 AM
deal-pioneer1$25.00$25.001/4/2010 9:32:47 AM
Flyways$25.00$25.001/4/2010 9:41:44 AM
community-pipeline8$50.00$50.001/4/2010 9:33:16 AM
ChicoBob$50.00$50.001/4/2010 9:37:30 AM
receptive-leverage$50.00$50.001/4/2010 9:42:09 AM
brightest-durability-chomper$25.00$25.001/4/2010 9:37:59 AM
smartyP$25.00$25.001/4/2010 9:42:20 AM
justice-dna$25.00$25.001/4/2010 9:42:40 AM
Ravyn$25.00$25.001/4/2010 9:34:24 AM
gold-auctioneer7$25.00$25.001/4/2010 9:43:17 AM
jl4biz$25.00$25.001/4/2010 9:34:34 AM
Tai$25.00$25.001/4/2010 9:38:46 AM
Binan$25.00$25.001/4/2010 9:39:07 AM
money-maniac$50.00$50.001/4/2010 9:44:30 AM
Rogesparkguy$25.00$25.001/4/2010 9:35:49 AM
dedicated-velocity3$25.00$25.001/4/2010 9:40:05 AM
steadhouse$50.00$50.001/4/2010 9:45:47 AM
asset-equilibrium0$25.00$25.001/4/2010 9:46:31 AM
first-pragmatic-note$25.00$25.001/4/2010 9:41:20 AM
Divot$25.00$25.001/4/2010 9:37:56 AM
Supernick$50.00$50.001/4/2010 9:47:21 AM
syounker$25.00$25.001/4/2010 9:38:42 AM
ijspence$25.00$25.001/4/2010 9:38:50 AM
Tahoeguy$50.00$50.001/4/2010 9:42:44 AM
duty-sensai$25.00$25.001/4/2010 9:42:47 AM
bright-investment$25.00$25.001/4/2010 9:42:59 AM
Vegasjim$25.00$25.001/4/2010 9:43:05 AM
adama_48$25.00$25.001/4/2010 9:43:21 AM
harmonious-revenue7$25.00$25.001/4/2010 9:43:27 AM
ljay$25.00$25.001/4/2010 9:49:28 AM
BigBoy2008$25.00$25.001/4/2010 9:43:38 AM
dhw1$50.00$50.001/4/2010 9:43:42 AM
TheoProf$50.00$50.001/4/2010 9:49:54 AM
helpinghand75$25.00$25.001/4/2010 9:50:03 AM
the-debt-fluffy-bunny$50.00$50.001/4/2010 9:50:09 AM
worldly-kindness8$25.00$25.001/4/2010 9:40:30 AM
tsui517$25.00$25.001/4/2010 9:44:11 AM
CASHGIRL$40.00$40.001/4/2010 9:44:26 AM
Lilhonder$25.00$25.001/4/2010 9:40:55 AM
kaiger$25.00$25.001/4/2010 9:45:07 AM
spruce2$25.00$25.001/4/2010 9:51:39 AM
scottr$25.00$25.001/4/2010 9:45:35 AM
bajeezus$25.00$25.001/4/2010 9:41:59 AM
Goodlender42$25.00$25.001/4/2010 9:45:58 AM
yakiyak$25.00$25.001/4/2010 9:42:05 AM
circustab$50.00$50.001/4/2010 9:46:05 AM
forthright-dedication$50.00$50.001/4/2010 9:53:47 AM
ccaxid57$25.00$25.001/4/2010 9:43:49 AM
intrepid-transaction5$25.00$25.001/4/2010 9:43:55 AM
booksleuth$50.00$50.001/4/2010 9:47:42 AM
Justbiz$41.11$41.111/4/2010 9:47:47 AM
currency-prometheus$25.00$25.001/4/2010 9:54:12 AM
thoughtful-community7$25.00$25.001/4/2010 9:44:36 AM
jbaum$25.00$25.001/4/2010 9:54:38 AM
metro457$25.00$25.001/4/2010 9:54:52 AM
outtahoth2o$50.00$50.001/4/2010 9:48:36 AM
mattbison$25.00$25.001/4/2010 9:45:42 AM
investment-comet$25.00$25.001/4/2010 9:45:51 AM
Avala$50.00$50.001/4/2010 9:49:22 AM
rooosta$25.00$25.001/4/2010 9:46:26 AM
lendme2$25.00$25.001/4/2010 9:47:12 AM
calm-deal7$35.00$35.001/4/2010 9:47:18 AM
loanfairy$25.00$25.001/4/2010 9:47:25 AM
AF-Chief$27.00$27.001/4/2010 9:47:38 AM
helping-out$25.00$25.001/4/2010 9:47:49 AM
ClearLake$25.00$25.001/4/2010 9:52:17 AM
newyork6264$25.00$25.001/4/2010 9:52:59 AM
kenji4861$25.00$25.001/4/2010 9:48:09 AM
secundus$25.00$25.001/4/2010 9:58:16 AM
egw$25.00$25.001/4/2010 9:53:40 AM
Au-Ag-Pt$25.00$25.001/4/2010 9:48:49 AM
RationalWorld$25.00$25.001/4/2010 9:48:54 AM
reward-winner$25.00$25.001/4/2010 9:49:08 AM
Banker7371$25.00$25.001/4/2010 9:58:42 AM
currency-oak$25.00$25.001/4/2010 9:49:12 AM
jdrez$25.00$25.001/4/2010 9:49:18 AM
ghinga$50.00$50.001/4/2010 9:54:32 AM
gulch$25.00$25.001/4/2010 9:49:30 AM
delicious-social132$25.00$25.001/4/2010 9:51:01 AM
top-commitment-champ$25.00$25.001/4/2010 9:51:09 AM
SDNLR$25.00$25.001/4/2010 9:51:14 AM
greenwell$50.00$50.001/4/2010 10:00:40 AM
OCedHrt$25.00$25.001/4/2010 9:51:20 AM
towering-compassion$25.00$25.001/4/2010 9:52:12 AM
plentiful-reward$50.00$50.001/4/2010 9:52:44 AM
kegs$100.00$100.001/4/2010 9:53:17 AM
littlemonkey$25.00$25.001/4/2010 9:53:28 AM
kmr2$50.00$50.001/4/2010 9:53:37 AM
MARWARISETH$25.00$25.001/4/2010 9:53:45 AM
agwosdof$100.00$100.001/4/2010 9:54:19 AM
AmericanCredit$25.00$25.001/4/2010 10:00:04 AM
klinebarger$25.00$25.001/4/2010 9:55:45 AM
meenan$40.00$40.001/4/2010 9:57:19 AM
PA2LA$25.00$25.001/4/2010 9:57:38 AM
adir1$25.00$25.001/4/2010 9:57:42 AM
diligent-leverage$25.00$25.001/4/2010 9:59:51 AM
Picopie$50.00$50.001/4/2010 10:00:54 AM
skillful-diversification2$25.00$25.001/4/2010 10:01:29 AM
rjsdsu$25.00$25.001/4/2010 10:28:55 AM
Syzygy$25.00$25.001/4/2010 11:58:07 AM
outofoffice$50.00$50.001/5/2010 5:53:13 AM
springpanda$25.00$25.001/6/2010 11:25:24 AM
wonderous-power$25.00$25.001/6/2010 2:09:29 AM
asset-caballero$25.00$25.001/6/2010 7:36:05 AM
qkinger$50.00$50.001/6/2010 12:48:44 PM
exchange-cowbell5$300.00$300.001/6/2010 4:34:55 PM
captainzero$53.00$53.001/6/2010 4:56:27 PM
rmpedi33$150.00$150.001/7/2010 10:18:11 AM
Dollars4Rent$25.00$25.001/7/2010 8:33:37 AM
interstellar$50.00$50.001/7/2010 1:37:41 PM
spc91x$25.00$25.001/7/2010 7:45:40 PM
GreenOasis$26.00$26.001/8/2010 9:43:38 AM
314 bids
 
Borrower Payment Dependent Notes Series 440880
This series of Notes was issued and sold upon the funding of the borrower loan #40414, 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:  Jan-04-2010 
  Auction end date:  Jan-06-2010 
 
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-1999 Debt/Income ratio: 35%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 17Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $4,377 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Zeus09 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Consolidation
Purpose of loan:
This loan will be used to pay off a credit card and partially some of my student loan debt

My financial situation:
I am a recent graduate from Indiana University Kelley School of Business with a degree in finance and business economics.? I am currently employed by Redbox Automated Retail, the red DVD rental kiosk things that you see at grocery stores, 7-11's and other stores.? I am working in the badge processing area as a temp and hoping to make this a stable job.? Also I am doing an internship for a mergers and acquistions firm in Chicago called Third Coast Capital.? They are a small start-up firm with only two guys and are picking up more business so they asked me to help with some analyst work, so I do that during the nights and weekends from home.? I live at home with my parents and have to pay no rent and no food costs, so my expenses are extremely limited.? I make about 2000 dollars a month and just want to clear off some of the debt I have and not pay such a high rate.
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)
elasermd$50.00$50.001/4/2010 9:33:53 AM
aspen5$25.00$25.001/4/2010 9:34:55 AM
dbzen$50.00$50.001/4/2010 9:34:58 AM
dpfl55$25.00$25.001/4/2010 9:36:34 AM
desertoasis$25.00$25.001/4/2010 9:36:47 AM
brightest-durability-chomper$25.00$25.001/4/2010 9:37:57 AM
aldenrains$25.00$25.001/4/2010 9:34:07 AM
foxy-vigilance$25.00$25.001/4/2010 9:39:23 AM
inventive-wealth2$25.00$25.001/4/2010 9:39:33 AM
EdgeonFl$25.00$25.001/4/2010 9:39:56 AM
useful-p2ploan$50.00$50.001/4/2010 9:34:56 AM
dedicated-velocity3$25.00$25.001/4/2010 9:40:03 AM
nickel-advocator$25.00$25.001/4/2010 9:41:00 AM
time4aloan$25.00$25.001/4/2010 9:41:34 AM
Klearwater_Pools$25.00$25.001/4/2010 9:37:15 AM
lucrative-worth$25.00$25.001/4/2010 9:37:34 AM
spruce2$25.00$25.001/4/2010 9:38:04 AM
p2ploan-leaper$25.00$25.001/4/2010 9:38:09 AM
antlr$25.00$25.001/4/2010 9:38:16 AM
noble-vigilance9$25.00$25.001/4/2010 9:38:23 AM
syounker$25.00$25.001/4/2010 9:38:41 AM
Tai$25.00$25.001/4/2010 9:38:45 AM
Binan$25.00$25.001/4/2010 9:39:08 AM
Ranch88$25.00$25.001/4/2010 9:39:11 AM
shanadip$25.00$25.001/4/2010 9:39:24 AM
GlobalLending$25.00$25.001/4/2010 9:35:37 AM
galtsgulch$25.00$25.001/4/2010 9:39:52 AM
community-pipeline8$50.00$50.001/4/2010 9:39:59 AM
respectful-integrity3$25.00$25.001/4/2010 9:36:50 AM
otter$25.00$25.001/4/2010 9:40:33 AM
gauss02$25.00$25.001/4/2010 9:40:39 AM
brightest-income-hunter$25.00$25.001/4/2010 9:40:56 AM
BigMoney56$25.00$25.001/4/2010 9:37:39 AM
openness-prospector$25.00$25.001/4/2010 9:41:16 AM
Divot$25.00$25.001/4/2010 9:37:54 AM
DrZoidberg$25.00$25.001/4/2010 9:41:30 AM
bnlforever$25.00$25.001/4/2010 9:38:06 AM
paladin847$25.00$25.001/4/2010 9:38:19 AM
skiingawfs$25.00$25.001/4/2010 9:38:28 AM
kulender$25.00$25.001/4/2010 9:38:30 AM
ijspence$25.00$25.001/4/2010 9:38:48 AM
Taxman44$25.00$25.001/4/2010 9:39:21 AM
Mickeyblu$25.00$25.001/4/2010 9:39:30 AM
WHEREISTHEMOON$25.00$25.001/4/2010 9:40:06 AM
integrity-doctor$50.00$50.001/4/2010 9:40:10 AM
mlkhamilton$25.00$25.001/4/2010 9:40:23 AM
worldly-kindness8$25.00$25.001/4/2010 9:40:28 AM
geniusj$25.00$25.001/4/2010 9:40:34 AM
BeansMan02$25.00$25.001/4/2010 9:40:41 AM
BuffetRocks$44.77$44.771/4/2010 9:51:51 AM
Rob717171$25.00$25.001/4/2010 9:48:06 AM
microlendblvr$100.00$100.001/4/2010 9:58:03 AM
majestic-dedication$50.00$50.001/4/2010 9:58:58 AM
friendly-market5$25.00$25.001/4/2010 9:55:20 AM
scottr$25.00$25.001/4/2010 9:56:22 AM
ljay$25.00$25.001/4/2010 9:56:40 AM
note-tent$50.00$50.001/4/2010 9:57:00 AM
18th_beachbum$25.00$25.001/4/2010 10:01:40 AM
secundus$25.00$25.001/4/2010 9:58:14 AM
the-money-gargantuan$25.00$25.001/4/2010 10:03:08 AM
gold-commander0$50.00$50.001/4/2010 10:03:33 AM
klinebarger$25.00$25.001/4/2010 9:55:41 AM
greenwell$35.31$35.311/4/2010 10:00:42 AM
Carpetkid$50.00$50.001/4/2010 10:01:06 AM
unk1911$25.00$25.001/4/2010 9:56:05 AM
fcukciti$25.00$25.001/4/2010 10:01:19 AM
superstar449$25.00$25.001/4/2010 9:56:44 AM
thedoctor$90.00$90.001/4/2010 9:56:59 AM
FmrEngr2Phd$25.00$25.001/4/2010 10:08:19 AM
best-deal-banker$50.00$50.001/4/2010 10:03:24 AM
larrybird$100.00$100.001/4/2010 9:58:56 AM
skunkor2$28.67$28.671/4/2010 10:09:21 AM
aventurer$25.00$25.001/4/2010 9:59:11 AM
junctionking$25.00$25.001/4/2010 10:03:59 AM
loan-warrior$25.00$25.001/4/2010 10:04:14 AM
handy-justice$25.00$25.001/4/2010 10:10:27 AM
kegs$100.00$100.001/4/2010 9:59:48 AM
portfolio-zone801$25.00$25.001/4/2010 9:59:52 AM
burgeoning-silver$25.00$25.001/4/2010 10:00:16 AM
unassuming-note$25.00$25.001/4/2010 10:05:29 AM
Picopie$50.00$50.001/4/2010 10:00:49 AM
Ananya$25.00$25.001/4/2010 10:07:40 AM
orange-courageous-dedication$40.00$40.001/4/2010 10:02:54 AM
skiforglory$25.00$25.001/4/2010 10:25:40 AM
a-versatile-power$25.00$25.001/4/2010 10:26:52 AM
CorMDNY$25.00$25.001/4/2010 10:05:12 AM
BuildingBestLife$25.00$25.001/4/2010 10:10:51 AM
iruz$50.00$50.001/4/2010 10:06:02 AM
JohnSmith10$25.00$25.001/4/2010 10:11:43 AM
jjswanso$25.00$25.001/4/2010 10:19:25 AM
solarwind$25.00$25.001/4/2010 10:07:29 AM
USMC0311$25.00$25.001/4/2010 10:08:50 AM
8bitnintendo$25.00$25.001/4/2010 10:22:44 AM
payout-showcase$50.00$50.001/4/2010 10:35:42 AM
contract-voltage$25.00$25.001/4/2010 10:36:01 AM
cakebakr$25.00$25.001/4/2010 10:36:11 AM
Dazz2061$25.00$25.001/4/2010 10:36:48 AM
interest-exec9$25.00$25.001/4/2010 10:37:07 AM
SCOTTOL$25.00$25.001/4/2010 10:42:25 AM
martinatime$25.00$25.001/4/2010 10:20:12 AM
StrongMoney$25.00$25.001/4/2010 10:28:31 AM
figs4u2$80.00$80.001/4/2010 10:42:46 AM
pleasant-dime$25.00$25.001/4/2010 10:21:36 AM
Katburg$50.00$50.001/4/2010 10:43:12 AM
gulch$35.00$35.001/4/2010 10:43:18 AM
leodaguy$25.00$25.001/4/2010 10:43:24 AM
Walkingcowboy$25.00$25.001/4/2010 10:43:45 AM
Kaj$30.00$30.001/4/2010 10:44:12 AM
AF-Chief$35.00$35.001/4/2010 10:44:24 AM
internetpreneur$25.00$25.001/4/2010 10:24:59 AM
natmonkey$25.00$25.001/4/2010 10:44:42 AM
Gibbyland$100.00$100.001/4/2010 10:25:34 AM
vine99$85.00$85.001/4/2010 10:33:21 AM
fxsrider$25.00$25.001/4/2010 10:26:39 AM
cash-boots$30.00$30.001/4/2010 10:33:47 AM
kaykarun$50.00$50.001/4/2010 10:45:55 AM
rjsdsu$35.00$35.001/4/2010 10:28:04 AM
schpere$30.00$30.001/4/2010 10:47:34 AM
meux99$25.00$25.001/4/2010 10:47:41 AM
return-marsupial3$25.00$25.001/4/2010 10:48:54 AM
alpinaut$25.00$25.001/4/2010 10:48:59 AM
elegant-income3$25.00$25.001/4/2010 10:49:21 AM
ojibwa$25.00$25.001/4/2010 10:32:48 AM
JoesSon$25.00$25.001/4/2010 10:33:19 AM
evnagelist$100.00$100.001/4/2010 10:35:44 AM
jd006006$40.00$40.001/4/2010 10:42:13 AM
Mostyle$25.00$25.001/4/2010 10:36:05 AM
smmgnn99$25.00$25.001/4/2010 10:36:10 AM
HeavyDriver03$25.00$25.001/4/2010 10:36:18 AM
bchen78875$50.00$50.001/4/2010 10:43:01 AM
chapman18$25.00$25.001/4/2010 10:36:39 AM
inspired-contract9$50.00$50.001/4/2010 10:43:06 AM
shamrocker$25.00$25.001/4/2010 10:44:30 AM
platinum-sorcerer6$25.00$25.001/4/2010 10:44:48 AM
egw$25.00$25.001/4/2010 10:41:57 AM
flopcat$25.00$25.001/4/2010 10:43:02 AM
flwah$25.00$25.001/4/2010 10:47:11 AM
CAGE-Investments$100.00$100.001/4/2010 10:47:50 AM
red-favorable-basis$25.00$25.001/4/2010 10:48:29 AM
invincible-marketplace$25.00$25.001/4/2010 10:45:15 AM
vkorichkov$35.00$35.001/4/2010 10:46:13 AM
wowsurfer$25.00$25.001/4/2010 10:46:29 AM
head$25.00$25.001/4/2010 10:47:29 AM
JJS180$25.00$25.001/4/2010 10:48:16 AM
DukSerduk$25.00$25.001/4/2010 10:48:47 AM
GABC-1$25.00$25.001/5/2010 8:57:36 AM
bank-examiner$25.00$25.001/5/2010 4:27:00 PM
platinum-czar$25.00$25.001/6/2010 10:25:14 AM
springpanda$25.00$25.001/6/2010 11:27:40 AM
Stock-Stud$25.00$25.001/4/2010 9:34:54 AM
anacho4me$25.00$25.001/4/2010 9:35:09 AM
munnu$25.00$25.001/4/2010 9:37:52 AM
Tom579$25.00$25.001/4/2010 9:38:21 AM
andyb9$25.00$25.001/4/2010 9:39:57 AM
economy-structure9$25.00$25.001/4/2010 9:35:00 AM
coloradoloanman$25.00$25.001/4/2010 9:35:05 AM
Plotinus$50.00$50.001/4/2010 9:40:08 AM
Pasagam$25.00$25.001/4/2010 9:40:11 AM
bsmtloan$50.00$50.001/4/2010 9:40:31 AM
dollar-spy$25.00$25.001/4/2010 9:40:38 AM
hard-working-loot$25.00$25.001/4/2010 9:41:28 AM
UT-Longhorn$25.00$25.001/4/2010 9:33:37 AM
sharkm$40.00$40.001/4/2010 9:38:10 AM
CaptainBlueberry$25.00$25.001/4/2010 9:38:36 AM
LAAJ38$25.00$25.001/4/2010 9:38:51 AM
open-minded-credit4$25.00$25.001/4/2010 9:35:03 AM
vegibenz$25.00$25.001/4/2010 9:35:13 AM
diplomatic-point4$75.00$75.001/4/2010 9:39:14 AM
VWA_to_the_Rescue$25.00$25.001/4/2010 9:39:43 AM
kvandivo$25.00$25.001/4/2010 9:40:02 AM
Lilhonder$25.00$25.001/4/2010 9:40:54 AM
ChicoBob$50.00$50.001/4/2010 9:37:31 AM
Aethelinde$33.71$33.711/4/2010 9:41:14 AM
the-bright-velocity$25.00$25.001/4/2010 9:38:14 AM
knowledgeable-revenue$25.00$25.001/4/2010 9:38:26 AM
ryreesado$25.00$25.001/4/2010 9:38:31 AM
galaxy1$25.00$25.001/4/2010 9:38:38 AM
kenji4861$25.00$25.001/4/2010 9:48:08 AM
thestartuplender$35.00$35.001/4/2010 9:39:09 AM
mcs86d$25.00$25.001/4/2010 9:39:17 AM
principal-kung-fu$25.00$25.001/4/2010 9:39:19 AM
STOCKBROKER1$25.00$25.001/4/2010 9:40:35 AM
first-pragmatic-note$25.00$25.001/4/2010 9:41:18 AM
AngleofGod$25.00$25.001/4/2010 9:55:29 AM
fair-rate$25.00$25.001/4/2010 9:56:00 AM
meenan$40.00$40.001/4/2010 9:57:18 AM
PA2LA$25.00$25.001/4/2010 9:57:36 AM
BlindProphet$25.00$25.001/4/2010 9:57:59 AM
Banker7371$25.00$25.001/4/2010 9:58:44 AM
docktah$50.00$50.001/4/2010 9:59:29 AM
AmericanCredit$25.00$25.001/4/2010 10:00:02 AM
neenerman$75.00$75.001/4/2010 9:50:59 AM
honorable-yield$75.00$75.001/4/2010 10:00:26 AM
adir1$25.00$25.001/4/2010 9:57:41 AM
asdf9876$25.00$25.001/4/2010 9:59:19 AM
diligent-leverage$25.00$25.001/4/2010 9:59:50 AM
bonus-adventure3$50.00$50.001/4/2010 10:00:18 AM
CASHGIRL$75.00$75.001/4/2010 10:04:40 AM
jbaum$100.00$100.001/4/2010 10:01:21 AM
skillful-diversification2$25.00$25.001/4/2010 10:01:28 AM
elevated-platinum5$25.00$25.001/4/2010 10:01:47 AM
yachtmaster45$25.00$25.001/4/2010 10:06:00 AM
lloyd_s$25.00$25.001/4/2010 10:01:55 AM
first-upright-payout$50.00$50.001/4/2010 10:02:22 AM
Steveoo1$50.00$50.001/4/2010 10:02:40 AM
DonaldColorado$25.00$25.001/4/2010 10:03:22 AM
trade-pumpkin$35.00$35.001/4/2010 10:03:28 AM
BankofBen$250.00$250.001/4/2010 10:03:50 AM
intrepid-transaction5$25.00$25.001/4/2010 10:04:23 AM
cerebral-return3$25.00$25.001/4/2010 10:12:15 AM
exciting-responsibility3$25.00$25.001/4/2010 10:05:31 AM
cjames84$25.00$25.001/4/2010 10:05:57 AM
orange-resolute-platinum$25.00$25.001/4/2010 10:21:23 AM
personal-lender$25.00$25.001/4/2010 10:02:20 AM
Havana21$200.00$200.001/4/2010 10:02:41 AM
wormdc$25.00$25.001/4/2010 10:08:36 AM
roccofox$50.00$50.001/4/2010 10:03:46 AM
honsbedh$25.00$25.001/4/2010 10:26:00 AM
credit-force5$25.00$25.001/4/2010 10:04:29 AM
lifegrowth$25.00$25.001/4/2010 10:05:04 AM
Supervark$25.00$25.001/4/2010 10:10:38 AM
omniviper$25.00$25.001/4/2010 10:20:30 AM
sugarhoof$25.00$25.001/4/2010 10:23:30 AM
saritha$25.00$25.001/4/2010 10:36:12 AM
bigphish$25.00$25.001/4/2010 10:25:42 AM
adabra$25.00$25.001/4/2010 10:25:55 AM
responsibility-butterfly$25.00$25.001/4/2010 10:42:16 AM
auction-elvis$25.00$25.001/4/2010 10:42:38 AM
treasure-amplifier6$25.00$25.001/4/2010 10:28:37 AM
Hola_James$55.81$55.811/4/2010 10:22:31 AM
equitable-camaraderi$25.00$25.001/4/2010 10:23:26 AM
forthright-social$25.00$25.001/4/2010 10:44:19 AM
dinero-festivity2$50.00$50.001/4/2010 10:45:20 AM
RICHMONDREB$25.00$25.001/4/2010 10:45:25 AM
ven$25.00$25.001/4/2010 10:46:49 AM
discrete-asset$25.00$25.001/4/2010 10:47:21 AM
tolstoy00$25.00$25.001/4/2010 10:35:59 AM
1fortheroad$25.00$25.001/4/2010 10:36:21 AM
LynJohn1023$25.00$25.001/4/2010 10:36:30 AM
market-builder$25.00$25.001/4/2010 10:49:31 AM
dynamic-fairness$25.00$25.001/4/2010 10:33:05 AM
the_winning_ticket$35.00$35.001/4/2010 10:43:30 AM
Attract$25.00$25.001/4/2010 10:43:36 AM
mikeandcat$100.00$100.001/4/2010 10:44:01 AM
BankOfFrankFairness$50.00$50.001/4/2010 10:44:09 AM
Jassi$25.00$25.001/4/2010 10:45:13 AM
Tc11902$50.00$50.001/4/2010 10:42:07 AM
LAKESPRING$50.00$50.001/4/2010 10:45:41 AM
skvat$25.00$25.001/4/2010 10:45:57 AM
Purposeful$50.00$50.001/4/2010 10:46:38 AM
Artist_Blue$25.00$25.001/4/2010 10:46:47 AM
wiselady$25.00$25.001/4/2010 10:46:56 AM
rooosta$25.00$25.001/4/2010 10:47:01 AM
magical-greenback$55.00$55.001/4/2010 10:43:51 AM
teller$60.00$60.001/4/2010 10:47:12 AM
superchicken$25.00$25.001/4/2010 10:47:59 AM
adama_48$25.00$25.001/4/2010 10:44:39 AM
Cai8899$75.00$75.001/4/2010 10:48:04 AM
buckyhead2000$25.00$25.001/4/2010 10:48:10 AM
buukyak$25.00$25.001/4/2010 10:44:58 AM
toblerone$25.00$25.001/4/2010 10:45:01 AM
lending_mom$25.00$25.001/4/2010 10:45:27 AM
wampum-optimization$50.00$50.001/4/2010 10:45:35 AM
Goodlender42$25.00$25.001/4/2010 10:46:10 AM
outtahoth2o$100.00$100.001/4/2010 10:46:25 AM
Cheburashka$30.00$30.001/4/2010 10:48:18 AM
stable-nickel$170.00$170.001/4/2010 10:49:27 AM
skuba$50.00$6.731/4/2010 10:49:40 AM
ujiba$25.00$25.001/4/2010 11:23:30 AM
Syzygy$25.00$25.001/4/2010 11:56:39 AM
indomart$25.00$25.001/4/2010 3:11:25 PM
outofoffice$50.00$50.001/5/2010 5:52:24 AM
Castelj$55.00$55.001/5/2010 6:20:04 AM
interest-friendship$50.00$50.001/5/2010 11:16:18 AM
bowdish1$50.00$50.001/5/2010 8:38:35 PM
suzanny$25.00$25.001/6/2010 7:05:21 AM
exchange-cowbell5$300.00$300.001/6/2010 4:37:14 PM
277 bids
 
Borrower Payment Dependent Notes Series 441060
This series of Notes was issued and sold upon the funding of the borrower loan #40394, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $16,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0% Auction start date:  Jan-05-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 22.95% Starting borrower rate/APR: 23.95% / 26.24% Starting monthly payment: $627.31
Final lender yield: 21.95% Final borrower rate/APR: 22.95% / 25.23% Final monthly payment: $618.94
 
Auction yield range: 8.20% - 22.95% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.43%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Sep-1990 Debt/Income ratio: 10%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $2,240 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 8%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: epic-point2 Borrower's state: Louisiana 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
Purchasing new car
Purpose of loan:
This loan will be used to purchase a?vehicle.?

My financial situation:
I am a good candidate for this loan because... I have a great secure job that pays me well. I need to purchase a new vehicle.I would prefer to offer cash for a better deal.?I??have a great credit score and Im capable of repaying loan within?2 yrs.
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: With such a high credit score you can easily get a capital one auto loan for 3.95% for a new car so why take a prosper loan with a high interest rate ? - Capit0l
A: Im purchasing a car from a local auction. You must have cash on hand for the auction the day you bid. (Jan-11-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lizard_lips$25.00$25.001/5/2010 4:21:54 PM
TOCPI$25.00$25.001/5/2010 4:22:08 PM
uga$25.00$25.001/5/2010 4:22:15 PM
JonyWinter$50.00$50.001/5/2010 4:22:28 PM
jack4875$25.00$25.001/5/2010 4:22:36 PM
gold-disk$50.00$50.001/5/2010 4:22:54 PM
takabanana$25.00$25.001/5/2010 4:23:07 PM
ahalls$25.00$25.001/5/2010 4:23:28 PM
zbfamwl$25.00$25.001/5/2010 4:23:49 PM
unk1911$25.00$25.001/5/2010 4:23:57 PM
Phantom99$25.00$25.001/5/2010 4:24:17 PM
CASHGIRL$25.00$25.001/5/2010 4:24:40 PM
market-builder$25.00$25.001/5/2010 4:24:50 PM
asiaratt$31.25$31.251/5/2010 4:25:03 PM
matt84003$25.00$25.001/5/2010 4:25:34 PM
thedreamer$25.00$25.001/5/2010 4:25:49 PM
ualf$50.00$50.001/5/2010 4:26:11 PM
irrelevant$25.00$25.001/5/2010 4:26:16 PM
lend_to_you$50.00$50.001/5/2010 4:26:20 PM
liberty-revelry2$25.00$25.001/5/2010 4:26:31 PM
cash-tiramisu$250.00$250.001/5/2010 4:26:55 PM
moola-phase$25.00$25.001/5/2010 4:27:12 PM
gatorsean2168$25.00$25.001/5/2010 4:27:23 PM
Simonsez808$25.00$25.001/5/2010 4:27:38 PM
dparkhom$25.00$25.001/5/2010 4:27:55 PM
bluprntguy$25.00$25.001/5/2010 4:28:10 PM
ChrisTJ$25.00$25.001/5/2010 4:28:18 PM
supreme-hope$25.00$25.001/5/2010 4:28:20 PM
Dubbs360$100.00$100.001/5/2010 4:28:24 PM
xzec777$25.00$25.001/5/2010 4:28:27 PM
JAVEHE$25.00$25.001/5/2010 4:28:31 PM
benjamins-voyage$25.00$25.001/5/2010 4:28:34 PM
andrewnar$25.00$25.001/5/2010 4:29:05 PM
tractorman$25.00$25.001/5/2010 4:29:09 PM
Banker7371$25.00$25.001/5/2010 4:29:17 PM
burgeoning-silver$25.00$25.001/5/2010 4:29:21 PM
DrZoidberg$25.00$25.001/5/2010 4:29:27 PM
accordion8$25.00$25.001/5/2010 4:29:36 PM
VBAces$25.00$25.001/5/2010 4:29:43 PM
ujohnc00$25.00$25.001/5/2010 4:29:48 PM
cognizant-wealth$25.00$25.001/5/2010 4:29:53 PM
Zolton$200.00$10.561/5/2010 4:29:58 PM
romario$50.00$50.001/5/2010 4:34:40 PM
safe-finance$25.00$25.001/5/2010 4:21:56 PM
stollcm$25.00$25.001/5/2010 4:22:05 PM
wanna-help$25.00$25.001/5/2010 4:22:20 PM
adaptable-income$25.00$25.001/5/2010 4:22:25 PM
cgorry$25.00$25.001/5/2010 4:22:32 PM
Shepherd7$25.00$25.001/5/2010 4:22:43 PM
PHI4308$25.00$25.001/5/2010 4:23:26 PM
Divr555$50.00$50.001/5/2010 4:23:45 PM
HAVEANICEDAY$25.00$25.001/5/2010 4:23:48 PM
skibum65$32.73$32.731/5/2010 4:23:52 PM
THREE-POINTS-LENDING$25.00$25.001/5/2010 4:21:58 PM
Westerly$50.00$50.001/5/2010 4:24:25 PM
RG$25.00$25.001/5/2010 4:22:11 PM
friendly-return7$25.00$25.001/5/2010 4:22:13 PM
scottr$25.00$25.001/5/2010 4:38:12 PM
jibe-set$50.00$50.001/5/2010 4:22:21 PM
money-explorer3$25.00$25.001/5/2010 4:22:25 PM
MyKidsDad$25.00$25.001/5/2010 4:22:31 PM
Erikdbp$25.00$25.001/5/2010 4:22:39 PM
debt-fuse158$25.00$25.001/5/2010 4:22:47 PM
happyskippy0208$25.00$25.001/5/2010 4:22:57 PM
a-resplendent-asset$25.00$25.001/5/2010 4:25:15 PM
funds-promiser$47.46$47.461/5/2010 4:25:18 PM
How$25.00$25.001/5/2010 4:23:20 PM
Lam0nt$25.00$25.001/5/2010 4:25:28 PM
Blue_HorseShoe$25.00$25.001/5/2010 4:23:25 PM
p2p-allocator$25.00$25.001/5/2010 4:23:41 PM
a-resplendent-commitment$25.00$25.001/5/2010 4:23:55 PM
PeterV$25.00$25.001/5/2010 4:26:29 PM
a-special-power$25.00$25.001/5/2010 4:26:33 PM
ADIDASNO$25.00$25.001/5/2010 4:24:11 PM
profit33r$25.00$25.001/5/2010 4:24:23 PM
redbomb5$25.00$25.001/5/2010 4:27:07 PM
NR$25.00$25.001/5/2010 4:24:47 PM
nickel-advocator$25.00$25.001/5/2010 4:27:29 PM
samo102us$25.00$25.001/5/2010 4:27:36 PM
slartibardfast$25.00$25.001/5/2010 4:25:07 PM
attractive-rate$25.00$25.001/5/2010 4:27:43 PM
mikrolown$25.00$25.001/5/2010 4:25:10 PM
openness-prospector$25.00$25.001/5/2010 4:27:48 PM
treasure-bliss$100.00$100.001/5/2010 4:25:31 PM
orange-preeminant-bill$100.00$100.001/5/2010 4:25:47 PM
simplewareinc$50.00$50.001/5/2010 4:28:11 PM
skro$25.00$25.001/5/2010 4:28:36 PM
melodious-fairness$25.00$25.001/5/2010 4:28:38 PM
tmillerosu$25.00$25.001/5/2010 4:26:04 PM
steves73$25.00$25.001/5/2010 4:28:39 PM
truth-eclair$25.00$25.001/5/2010 4:28:51 PM
louisianalender$100.00$100.001/5/2010 4:28:58 PM
SirJev$25.00$25.001/5/2010 4:29:07 PM
108lender$75.00$75.001/5/2010 4:29:16 PM
jonbozeman$25.00$25.001/5/2010 4:29:30 PM
Frenchynh$25.00$25.001/5/2010 4:26:39 PM
astute-dollar$25.00$25.001/5/2010 4:29:34 PM
value-pole$25.00$25.001/5/2010 4:29:45 PM
personal-lender$25.00$25.001/5/2010 4:29:49 PM
Vreet$25.00$25.001/5/2010 4:29:55 PM
copper$30.00$30.001/5/2010 4:27:06 PM
influential-gain$25.00$25.001/5/2010 4:27:20 PM
Zanthina$25.00$25.001/5/2010 4:27:27 PM
Superc0ld$86.48$86.481/5/2010 4:30:12 PM
runner262$25.00$25.001/5/2010 4:28:21 PM
junctionking$25.00$25.001/5/2010 4:28:29 PM
EnigmaNYC-29$25.00$25.001/5/2010 4:28:37 PM
affluence-tycoon$25.00$25.001/5/2010 4:28:48 PM
secobarbital$25.00$25.001/5/2010 4:28:55 PM
Bank42$50.00$50.001/5/2010 4:29:02 PM
yield-lion$25.00$25.001/5/2010 4:29:06 PM
contract-neutron$25.00$25.001/5/2010 4:29:13 PM
puifais$25.00$25.001/5/2010 4:29:18 PM
howlong2retirement$25.00$25.001/5/2010 4:29:22 PM
Auburnmist$25.00$25.001/5/2010 4:29:28 PM
teller$25.00$25.001/5/2010 4:29:35 PM
benevolent-bonus$25.00$25.001/5/2010 4:29:38 PM
Buffer10$100.00$100.001/5/2010 4:29:51 PM
jga516$25.00$25.001/5/2010 4:30:08 PM
mmzero$25.00$25.001/5/2010 4:52:03 PM
heerzaquestion$25.00$25.001/5/2010 6:04:19 PM
reliant$25.00$25.001/5/2010 4:54:40 PM
twjh$25.00$25.001/5/2010 4:46:53 PM
crdcteng$50.00$50.001/6/2010 8:31:10 AM
enriching-payout$25.00$25.001/5/2010 4:52:44 PM
bowdish1$50.00$50.001/5/2010 8:27:30 PM
371millwood$200.00$200.001/5/2010 7:54:42 PM
wonderous-power$25.00$25.001/6/2010 2:14:08 AM
Bank_Of_XL$50.00$50.001/6/2010 8:33:31 AM
melodious-fairness$25.00$25.001/6/2010 9:46:34 AM
exchange-cowbell5$270.00$270.001/6/2010 9:59:10 AM
festivecpl$25.00$25.001/6/2010 6:05:31 PM
YoungSuccessLLC$25.00$25.001/6/2010 4:18:03 PM
Tai$25.00$25.001/6/2010 4:56:06 PM
peregrine$25.00$25.001/6/2010 11:05:17 PM
attractive-value$25.00$25.001/7/2010 10:23:12 AM
davidmanheim$25.00$25.001/7/2010 10:20:44 AM
neighborly-bid$25.00$25.001/7/2010 1:41:07 PM
Rothgoe$45.75$45.751/8/2010 9:36:51 AM
mercuriant$25.00$25.001/8/2010 9:46:15 AM
admirable-loyalty$26.61$26.611/8/2010 10:07:33 AM
tvsmlf$42.50$42.501/8/2010 11:00:47 AM
Stillinutah$50.00$50.001/8/2010 12:49:26 PM
perchedeagle$25.00$25.001/8/2010 1:18:12 PM
buzzybee$50.00$50.001/8/2010 4:40:35 PM
missile5$50.00$50.001/8/2010 5:43:26 PM
vutah$25.00$25.001/8/2010 10:11:03 PM
wealth-comet694$30.00$30.001/9/2010 11:32:50 AM
ethicalhumanist$25.00$25.001/9/2010 8:30:08 AM
freedom3$312.74$312.741/9/2010 12:32:56 PM
tnjohnso$25.00$25.001/9/2010 5:49:09 PM
grammaspurse$25.00$25.001/9/2010 5:05:38 PM
HelpingToMakeUaMillionaire$100.00$100.001/10/2010 2:05:07 PM
grf1945$25.00$25.001/10/2010 5:37:08 PM
Hartfelt$40.00$40.001/10/2010 10:30:33 PM
auction-chomper4$50.00$50.001/10/2010 8:05:39 PM
RyanM561$25.00$25.001/11/2010 6:56:00 AM
blue-relay$25.00$25.001/11/2010 7:19:29 AM
credit-kahuna$100.00$100.001/11/2010 7:58:54 AM
skillful-asset5$100.00$100.001/11/2010 8:44:45 AM
sharp-credit$100.00$100.001/11/2010 10:11:55 AM
GyJAV_BNCCo$30.00$30.001/11/2010 10:22:07 AM
wanna-help$75.00$75.001/11/2010 2:06:48 PM
30Sky$25.00$25.001/11/2010 1:39:33 PM
wanna-help$50.00$50.001/11/2010 3:24:07 PM
Techne_Funds_LLC$25.00$25.001/11/2010 4:20:08 PM
vivacious-p2p3$25.00$25.001/11/2010 5:01:36 PM
bid-papyrus$25.00$25.001/11/2010 5:27:39 PM
ChrisKwan$25.00$25.001/11/2010 5:29:30 PM
SweatyBalls$50.00$50.001/11/2010 5:51:52 PM
brilliant-balance$25.00$25.001/11/2010 6:57:56 PM
aultraman$25.00$25.001/11/2010 7:51:57 PM
rate-hickory$25.00$25.001/12/2010 7:57:42 AM
orange-finance-banker$25.00$25.001/12/2010 8:06:04 AM
Digs$25.00$25.001/12/2010 9:44:19 AM
russm011$85.00$85.001/12/2010 10:26:49 AM
head$25.00$25.001/12/2010 12:45:24 PM
sturdy-peace9$60.00$60.001/12/2010 11:11:08 AM
sharp-credit$454.25$454.251/12/2010 2:58:20 PM
quest0$25.00$25.001/12/2010 3:17:08 PM
The-CAPS-fan$75.00$75.001/12/2010 3:54:19 PM
worldly-gold$100.00$100.001/12/2010 4:00:29 PM
nickel-master$25.00$25.001/12/2010 4:03:11 PM
Bosunsmate$25.00$25.001/5/2010 4:21:59 PM
dime-beeper$30.00$30.001/5/2010 4:22:09 PM
omerta6102$50.00$50.001/5/2010 4:22:19 PM
hptcrabbers$25.00$25.001/5/2010 4:22:33 PM
rpatusa$25.00$25.001/5/2010 4:22:37 PM
SkiFastBadly$25.00$25.001/5/2010 4:22:52 PM
hanuman77$31.68$31.681/5/2010 4:23:03 PM
opmjdv$25.00$25.001/5/2010 4:23:22 PM
papaman$25.00$25.001/5/2010 4:23:46 PM
davidc314$45.24$45.241/5/2010 4:23:53 PM
JeffHoll$100.00$100.001/5/2010 4:24:04 PM
yeti888$25.00$25.001/5/2010 4:24:15 PM
gustavzantanon$34.69$34.691/5/2010 4:24:20 PM
AF-Chief$28.00$28.001/5/2010 4:24:27 PM
Premierelender$25.00$25.001/5/2010 4:24:32 PM
narblark$25.00$25.001/5/2010 4:25:02 PM
derec$25.00$25.001/5/2010 4:25:12 PM
powerplant6$25.00$25.001/5/2010 4:25:36 PM
cash-boots$25.00$25.001/5/2010 4:25:41 PM
cheapskate$36.12$36.121/5/2010 4:26:02 PM
JSDIG$25.00$25.001/5/2010 4:26:57 PM
Gibbyland$50.00$50.001/5/2010 4:27:46 PM
helping-out$25.00$25.001/5/2010 4:27:53 PM
SpareChangeHero$25.00$25.001/5/2010 4:28:08 PM
SNH$50.00$50.001/5/2010 4:28:19 PM
Wowzer$25.00$25.001/5/2010 4:28:22 PM
purdue98$25.00$25.001/5/2010 4:28:25 PM
worldly-gold$25.00$25.001/5/2010 4:28:30 PM
GeorgiaCredit$25.00$25.001/5/2010 4:28:32 PM
fcb202$25.00$25.001/5/2010 4:29:00 PM
ImaPutz$25.00$25.001/5/2010 4:29:08 PM
sdgrowth$25.00$25.001/5/2010 4:29:11 PM
Artist_Blue$25.00$25.001/5/2010 4:29:20 PM
noble-revenue$57.39$57.391/5/2010 4:29:24 PM
hope-equation$50.00$50.001/5/2010 4:29:31 PM
saffron4$25.00$25.001/5/2010 4:29:40 PM
orange-courageous-dedication$30.00$30.001/5/2010 4:29:50 PM
ryan23$25.00$25.001/5/2010 4:29:56 PM
wwwUniversal$25.00$25.001/5/2010 4:30:14 PM
falcon88dp$25.00$25.001/5/2010 4:35:06 PM
Trimalchio12$25.00$25.001/5/2010 4:21:55 PM
Headhunter14$25.00$25.001/5/2010 4:22:02 PM
order-prospector$44.86$44.861/5/2010 4:22:06 PM
wise-bonus-honker$25.00$25.001/5/2010 4:22:22 PM
glalat$25.00$25.001/5/2010 4:22:29 PM
theaterguy$25.00$25.001/5/2010 4:22:40 PM
deal-mover$25.00$25.001/5/2010 4:23:21 PM
JMJIluss$25.00$25.001/5/2010 4:23:24 PM
Havana21$25.00$25.001/5/2010 4:23:33 PM
AdamClemSC$25.00$25.001/5/2010 4:23:51 PM
BerkeleyBonds$25.00$25.001/5/2010 4:23:52 PM
the-bright-velocity$50.00$50.001/5/2010 4:24:06 PM
building_community$25.00$25.001/5/2010 4:24:19 PM
VWA_to_the_Rescue$25.00$25.001/5/2010 4:22:10 PM
BlackFred$25.00$25.001/5/2010 4:22:12 PM
desertoasis$50.00$50.001/5/2010 4:24:30 PM
resource777$25.00$25.001/5/2010 4:22:14 PM
thoughtful-community7$25.00$25.001/5/2010 4:24:38 PM
NycDean$25.00$25.001/5/2010 4:22:23 PM
bountiful-bazaar$25.00$25.001/5/2010 4:24:42 PM
witty-principal$25.00$25.001/5/2010 4:22:26 PM
deal-kung-fu$25.00$25.001/5/2010 4:22:35 PM
borrowmine$25.00$25.001/5/2010 4:22:45 PM
Little_Guy$25.00$25.001/5/2010 4:22:55 PM
cognizant-rate732$50.00$50.001/5/2010 4:25:11 PM
LA-Funding-Bank$25.00$25.001/5/2010 4:23:16 PM
rdecartus$25.00$25.001/5/2010 4:23:32 PM
whiteshadow$25.00$25.001/5/2010 4:25:44 PM
tallmon$25.00$25.001/5/2010 4:26:07 PM
MicroL$25.00$25.001/5/2010 4:26:15 PM
ambmba$25.00$25.001/5/2010 4:24:01 PM
Pasagam$25.00$25.001/5/2010 4:24:10 PM
WorldlyWorker$25.00$25.001/5/2010 4:24:13 PM
triumph329$25.00$25.001/5/2010 4:27:02 PM
credit-force5$25.00$25.001/5/2010 4:24:35 PM
scottr$25.00$25.001/5/2010 4:27:10 PM
delivery$25.00$25.001/5/2010 4:27:15 PM
Au-Ag-Pt$25.00$25.001/5/2010 4:24:48 PM
red-favorable-basis$25.00$25.001/5/2010 4:27:17 PM
delicious-social132$25.00$25.001/5/2010 4:24:52 PM
KR$25.00$25.001/5/2010 4:24:53 PM
d_grbg$25.00$25.001/5/2010 4:27:25 PM
Tradesmanlender$25.00$25.001/5/2010 4:24:59 PM
lending-bear$25.00$25.001/5/2010 4:27:34 PM
utukxul$25.00$25.001/5/2010 4:25:04 PM
ITExec$100.00$100.001/5/2010 4:28:06 PM
oldmora$50.00$50.001/5/2010 4:25:48 PM
GatorBux$25.00$25.001/5/2010 4:28:17 PM
DrStaff$60.00$60.001/5/2010 4:25:56 PM
intrepid-transaction5$25.00$25.001/5/2010 4:28:30 PM
ISHLEP67$50.00$50.001/5/2010 4:25:59 PM
wealth-cloud$25.00$25.001/5/2010 4:26:05 PM
DRA-Properties$25.00$25.001/5/2010 4:28:40 PM
orange-vigilance-shower$25.00$25.001/5/2010 4:28:46 PM
GElender$25.00$25.001/5/2010 4:28:53 PM
peso-mate$25.00$25.001/5/2010 4:26:28 PM
principal-kung-fu$25.00$25.001/5/2010 4:29:04 PM
jbaum$25.00$25.001/5/2010 4:29:14 PM
kmfreymi$25.00$25.001/5/2010 4:26:34 PM
Cai8899$30.00$30.001/5/2010 4:29:23 PM
the-silver-blaster$50.00$50.001/5/2010 4:29:33 PM
p123$25.00$25.001/5/2010 4:29:39 PM
WalnutCreekguy$33.00$33.001/5/2010 4:26:49 PM
CPAMAN$25.00$25.001/5/2010 4:26:54 PM
blooming-dedication$50.00$50.001/5/2010 4:29:52 PM
forthright-dedication$100.00$100.001/5/2010 4:29:57 PM
spruce2$25.00$25.001/5/2010 4:27:09 PM
new-goal-return$25.00$25.001/5/2010 4:30:09 PM
time4aloan$30.00$30.001/5/2010 4:27:31 PM
bassman2$25.00$25.001/5/2010 4:27:36 PM
Fuzkaska__F_u_n_d_s$25.00$25.001/5/2010 4:27:57 PM
topher515$25.00$25.001/5/2010 4:28:04 PM
lagnisiruk$25.00$25.001/5/2010 4:28:16 PM
gold-auctioneer7$25.00$25.001/5/2010 4:28:23 PM
jhouman$25.00$25.001/5/2010 4:28:35 PM
UT-Longhorn$25.00$25.001/5/2010 4:28:43 PM
sloan$25.00$25.001/5/2010 4:28:50 PM
loan-master996$50.00$50.001/5/2010 4:29:01 PM
exact-loan5$30.00$30.001/5/2010 4:29:03 PM
portfolio-zone801$25.00$25.001/5/2010 4:29:12 PM
Supernick$25.00$25.001/5/2010 4:29:19 PM
oreyedoc$25.00$25.001/5/2010 4:29:25 PM
charming-point$300.00$300.001/5/2010 4:29:32 PM
pleasant-nickel0$25.00$25.001/5/2010 4:29:37 PM
wise-extraordinary-loot$25.00$25.001/5/2010 4:29:41 PM
tsquared_030$25.00$25.001/5/2010 4:29:54 PM
five-star-justice$36.00$36.001/5/2010 4:30:10 PM
wise-balanced-moola$25.00$25.001/5/2010 4:48:03 PM
SolarMoonshine$100.00$100.001/5/2010 5:55:04 PM
deepblue34$25.00$25.001/5/2010 7:24:20 PM
dime-neutron$25.00$25.001/5/2010 4:41:33 PM
reflective-rupee$25.00$25.001/5/2010 4:49:04 PM
dollardave$28.48$28.481/5/2010 4:54:35 PM
Syzygy$25.00$25.001/6/2010 9:12:32 AM
aurorafinancial$50.00$50.001/5/2010 4:54:31 PM
jybank$25.00$25.001/5/2010 4:54:58 PM
3613925$25.00$25.001/5/2010 6:02:52 PM
_SCI_$25.00$25.001/6/2010 10:54:45 AM
Joeburly$75.00$75.001/6/2010 10:56:22 AM
Bob450$50.00$50.001/5/2010 8:31:04 PM
red-ready-principal$100.00$100.001/5/2010 9:35:48 PM
market-cocktail$50.00$50.001/6/2010 6:38:48 AM
lizphan1$25.00$25.001/6/2010 5:34:44 AM
foothillender$25.00$25.001/6/2010 7:57:29 AM
exchange-cowbell5$30.00$30.001/6/2010 9:58:53 AM
interstellar$32.34$32.341/6/2010 10:47:04 AM
DenimCapital$25.00$25.001/6/2010 4:04:06 PM
maplehouse$26.46$26.461/6/2010 5:45:15 PM
SFBank$250.00$250.001/6/2010 7:48:17 PM
Havnfun$25.00$25.001/7/2010 7:43:45 AM
LibbyZ$28.10$28.101/6/2010 10:00:55 PM
buffalobills$25.00$25.001/7/2010 7:39:13 AM
durability-halibut$25.00$25.001/7/2010 12:43:20 PM
natejx$25.00$25.001/7/2010 3:34:55 PM
piter-to-la-investment$25.00$25.001/7/2010 12:09:30 PM
Havilah$50.00$50.001/7/2010 3:20:40 PM
miniloan$25.00$25.001/7/2010 4:51:28 PM
JustMee$25.00$25.001/8/2010 6:50:46 AM
Robbdogg$25.00$25.001/8/2010 10:25:37 AM
trumpeter5$100.00$100.001/8/2010 12:58:35 PM
loyalty-czar$50.00$50.001/8/2010 1:52:12 PM
unger$50.00$50.001/8/2010 2:26:08 PM
walkinonwater$25.00$25.001/8/2010 4:45:06 PM
liberty-thinker$25.00$25.001/8/2010 6:24:39 PM
justice-hawk$30.00$30.001/8/2010 9:18:02 PM
gotigers1972$25.00$25.001/8/2010 9:37:59 PM
russm011$59.24$59.241/9/2010 11:49:32 AM
loss-of-control$25.00$25.001/9/2010 4:34:47 PM
Arpad$46.00$46.001/9/2010 5:25:38 PM
intuitive-bill$50.00$50.001/9/2010 3:30:41 PM
dime-beeper$50.00$50.001/9/2010 7:53:55 PM
Sugarmama21$100.00$100.001/9/2010 7:08:22 PM
Lefty_the_Lender$25.00$25.001/10/2010 1:14:38 PM
Oak-Parker$25.00$25.001/10/2010 4:12:04 PM
investment-mountain$25.00$25.001/10/2010 9:57:49 PM
creative-reward1$25.00$25.001/11/2010 9:45:39 AM
lender-inc$50.00$50.001/11/2010 12:17:38 PM
favorite-commerce$25.00$25.001/11/2010 11:19:03 AM
tender-ore$25.00$25.001/11/2010 1:52:46 PM
fostaman$25.00$25.001/11/2010 2:11:48 PM
helpful-payout$25.00$25.001/11/2010 2:58:48 PM
jcw3rd$25.00$25.001/11/2010 4:05:54 PM
orbiter614$143.57$143.571/11/2010 4:07:35 PM
UCLA4life$25.00$25.001/11/2010 5:29:09 PM
YoungTaxMan$50.00$50.001/11/2010 5:29:20 PM
credit-sasquatch3$25.00$25.001/11/2010 5:29:40 PM
diligent-platinum$25.00$25.001/11/2010 6:32:14 PM
Musiclover27$25.00$25.001/11/2010 6:52:13 PM
kind-bid-maverick$25.00$25.001/11/2010 6:14:52 PM
nimble-revenue$31.15$31.151/11/2010 6:52:12 PM
forthright-trade$25.00$25.001/11/2010 8:15:00 PM
red-ready-principal$150.00$150.001/11/2010 8:15:25 PM
Trondheim_Norway$125.00$125.001/11/2010 8:34:15 PM
nalaari$57.35$57.351/12/2010 9:25:41 AM
income-fortress$200.00$200.001/12/2010 11:20:33 AM
friendinmoney$100.00$100.001/12/2010 9:43:48 AM
PotBellyPete$40.00$40.001/12/2010 11:52:05 AM
RyanM561$25.00$25.001/12/2010 10:25:07 AM
simiray$25.00$25.001/12/2010 11:23:47 AM
thebadpelican$25.00$25.001/12/2010 1:14:13 PM
johnpmid$25.00$25.001/12/2010 12:29:02 PM
felicity-daydream$50.00$50.001/12/2010 12:32:02 PM
sharp-credit$400.00$400.001/12/2010 2:56:33 PM
steady-peace8$200.00$200.001/12/2010 3:12:25 PM
the-profit-oracle$25.00$25.001/12/2010 3:13:28 PM
atlas100$25.00$25.001/12/2010 1:27:22 PM
Scotishpwr$80.00$80.001/12/2010 12:56:54 PM
Moxman125$25.00$25.001/12/2010 2:24:37 PM
Ambassador$50.00$50.001/12/2010 3:21:02 PM
guardian3$25.00$25.001/12/2010 3:05:58 PM
393 bids
 
Borrower Payment Dependent Notes Series 441100
This series of Notes was issued and sold upon the funding of the borrower loan #40408, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,850.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Jan-05-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $83.69
Final lender yield: 20.70% Final borrower rate/APR: 21.70% / 23.96% Final monthly payment: $70.37
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.62%  
Lender servicing fee: 1.00% Estimated return: 5.08%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Oct-1994 Debt/Income ratio: Not calculated
Credit score: 620-639 (Dec-2009) Current / open credit lines: 17 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:13y 3m
Amount delinquent: $0 Revolving credit balance: $3,775 Occupation: Landscaping
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 37%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: win_with_jim Borrower's state: NewJersey Borrower's group: Preferred Professionals
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 23 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,725.00< mo. late: 0 ( 0% )  
640-659 (Jul-2008)
600-619 (Nov-2007)
600-619 (Oct-2007)
520-539 (Sep-2007)
 
Principal balance: $1,940.02 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Purchase business equipment
Purpose of loan:
My Landscaping business is still growing, and I am looking to purchase more equipment to fulfill those needs.

My financial situation:
I am owner of a Landscaping business.? www.jimsanswer.com
I have been in business since Oct. 1996.? I plan on significant expansion.? I also do computer consulting.

I have a repeat customer base of over 120 customers, over half of which I have had for?5?to?12 years.
I am honest and dependable.??I have no problem?paying off the loan.? I have made strides in a short period of time to improve my credit and financial situation and look forward to accomplishing my financial goals.?
Thank you for taking the time to look at my listing.??

I have expanded to other ventures in my business.? Construction, and home improvement.? I need the extra equipment to do this.? The work is there.

A loan from prosper would give me the flexibilty and capital to help my business grow at a comfortable rate.

If you have any questions feel free to contact me

Monthly net income: $4200


Monthly expenses: $ 2888
??Housing: $ 975
??Insurance: $ 300
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 63
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: How fast do you plan on repaying this loan? PS: Please answer publicly - hektek22
A: Likely by September 2010. Thanks... (Jan-11-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Aberdeen$300.00$300.001/8/2010 10:33:18 AM
b1geasy$28.00$28.001/9/2010 3:44:56 PM
scooter65$40.00$40.001/11/2010 3:31:53 PM
hektek22$300.00$300.001/11/2010 1:58:55 PM
OldManP$25.00$25.001/11/2010 4:38:31 PM
toxicbutterfly$25.00$25.001/11/2010 5:25:05 PM
fund-dragster$25.00$25.001/11/2010 5:49:01 PM
shawnw2$40.00$40.001/12/2010 6:17:07 AM
SkinnyFish$25.00$25.001/12/2010 5:36:34 AM
atomantic$30.00$30.001/12/2010 10:46:07 AM
PotBellyPete$40.00$25.001/12/2010 11:52:58 AM
Capit0l$25.00$25.001/12/2010 12:48:52 PM
PeacefulFlorida$25.00$25.001/12/2010 2:19:23 PM
carrinel$37.00$37.001/12/2010 3:03:10 PM
Mikale360$25.00$25.001/12/2010 2:16:52 PM
DasMula$100.00$100.001/12/2010 4:01:10 PM
givetolive$25.00$25.001/12/2010 4:10:17 PM
The-CAPS-fan$50.00$50.001/12/2010 4:11:49 PM
srthsvghdthtr$25.00$25.001/8/2010 10:46:19 AM
realtormoises$25.00$25.001/11/2010 9:35:42 AM
dorypro$25.00$25.001/11/2010 4:45:17 PM
Kash2010lu$25.00$25.001/11/2010 8:08:26 PM
Leshan$50.00$50.001/12/2010 7:59:33 AM
mobius_titan$25.00$25.001/12/2010 10:57:17 AM
wild-orange$25.00$25.001/12/2010 11:28:14 AM
CA_Lender$25.00$25.001/12/2010 12:51:07 PM
stevekc1$25.00$25.001/12/2010 1:52:59 PM
ultimate-peace$450.00$450.001/12/2010 4:08:22 PM
28 bids
 
Borrower Payment Dependent Notes Series 440321
This series of Notes was issued and sold upon the funding of the borrower loan #40395, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-30-2009 
  Auction end date:  Jan-06-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $94.56
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $94.49
 
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: Aug-1998 Debt/Income ratio: 22%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:5y 7m
Amount delinquent: $0 Revolving credit balance: $32,484 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: basis-sushi 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 variable rate loans
Purpose of loan:
This loan will be used to pay off / consolidate variable rate loans.? Although I have a perfect payment history, I have a high debt to income ratio and am unable to get a traditional fixed rate loan with a bank.?

My financial situation:
I am a good candidate for this loan because I have multiple streams of income, a solid work history, own my home, and have never once missed a payment or paid late on any contract for a car, student loan, mortgage, credit card, or any other bill.? I simply need a fixed rate loan to pay off my variable rate loans.? I take my obligations very seriously and I am only taking this loan because it makes sound financial sense.

I have a master's degree, a full time government job, and a part time job.? In any other economic climate, I would be able to easily get a traditional bank loan.? However, I cannot do so at this time.? I appreciate your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
oreyedoc$25.00$25.0012/30/2009 4:13:23 PM
Rob717171$25.00$25.0012/30/2009 4:16:06 PM
kenji4861$25.00$25.0012/30/2009 4:16:13 PM
AngleofGod$25.00$25.0012/30/2009 4:28:52 PM
klinebarger$25.00$25.0012/30/2009 4:28:57 PM
superstar449$25.00$25.0012/30/2009 4:29:29 PM
friendly-market5$25.00$25.0012/30/2009 4:28:49 PM
ljay$25.00$25.0012/30/2009 4:29:27 PM
unk1911$25.00$25.0012/30/2009 4:29:02 PM
thedoctor$90.00$90.0012/30/2009 4:29:31 PM
note-tent$50.00$50.0012/30/2009 4:29:35 PM
SNH$50.00$50.0012/30/2009 4:29:53 PM
PA2LA$25.00$25.0012/30/2009 4:29:42 PM
Google_Me$50.74$50.7412/31/2009 3:46:49 AM
springpanda$25.00$25.0012/31/2009 2:13:14 PM
mco$25.00$25.0012/31/2009 4:35:43 PM
wonderous-power$25.00$25.001/2/2010 5:52:31 AM
Goodlender42$25.00$25.001/3/2010 8:53:55 PM
the-profit-oracle$25.00$25.001/4/2010 1:54:03 PM
indomart$25.00$25.001/4/2010 3:16:48 PM
RandyL3$25.00$25.001/4/2010 3:37:50 PM
Jakes_Bank$25.00$25.001/4/2010 4:34:37 PM
exchange-cowbell5$150.00$150.001/4/2010 4:19:25 PM
admirable-credit$25.00$25.001/4/2010 4:41:10 PM
worth-victor6$25.00$25.001/4/2010 7:51:22 PM
vineet$25.00$25.001/4/2010 7:03:57 PM
waterboy9$50.00$50.001/5/2010 8:50:16 AM
lender124$44.00$44.001/5/2010 1:40:24 PM
dreamhope$25.00$25.001/5/2010 1:44:39 PM
Syzygy$25.00$25.001/5/2010 8:42:25 AM
glazeddonuts$25.00$25.001/5/2010 4:44:46 PM
datongmama$25.00$25.001/5/2010 4:40:58 PM
shrewd-income$100.00$100.001/6/2010 10:20:07 AM
myidear$25.00$25.001/6/2010 1:58:19 AM
windpiano1962$25.00$25.001/6/2010 4:45:12 AM
Newfoundcash$25.00$25.001/5/2010 9:48:24 PM
Spiv_51$25.00$25.001/6/2010 2:00:15 AM
mhotchan$200.00$200.001/6/2010 1:28:12 PM
bossyboots01$25.00$25.001/6/2010 8:36:33 AM
platinum-czar$25.00$25.001/6/2010 10:20:23 AM
generous-deal6$25.00$25.001/6/2010 3:26:11 PM
Sven79$100.00$100.001/6/2010 10:09:11 AM
PalmerTheEmbalmer$25.00$25.001/6/2010 12:12:13 PM
bossyboots01$25.00$25.001/6/2010 12:22:44 PM
dmitriy2$25.00$25.001/6/2010 2:59:51 PM
Charmart$25.00$25.001/6/2010 3:47:35 PM
first-pragmatic-note$25.00$25.0012/30/2009 4:19:42 PM
neenerman$75.00$75.0012/30/2009 4:19:36 PM
fair-rate$25.00$25.0012/30/2009 4:28:59 PM
BigCityLending$25.00$25.0012/30/2009 4:29:04 PM
jwood3030$25.00$25.0012/30/2009 4:29:11 PM
Avala$25.00$25.0012/30/2009 4:28:53 PM
all_of_that_one$25.00$25.0012/30/2009 4:29:06 PM
meenan$40.00$40.0012/30/2009 4:29:40 PM
scottr$25.00$25.0012/30/2009 4:29:19 PM
adir1$25.00$25.0012/30/2009 4:29:47 PM
fortytwo$200.00$200.0012/30/2009 4:29:36 PM
microlendblvr$100.00$38.2812/30/2009 4:29:56 PM
UT-Longhorn$25.00$25.0012/30/2009 4:29:45 PM
BlindProphet$25.00$25.0012/30/2009 4:29:48 PM
billnsc$25.00$25.0012/31/2009 3:40:57 PM
durability-halibut$25.00$25.001/2/2010 2:13:30 PM
justin323$25.00$25.001/3/2010 6:38:55 PM
soilchem$25.00$25.001/3/2010 11:14:26 PM
mburke3434$25.00$25.001/4/2010 12:01:57 AM
Earn_money$30.12$30.121/4/2010 9:53:32 AM
FLFF$50.00$50.001/4/2010 5:38:28 PM
odc24$29.25$29.251/4/2010 7:26:28 PM
SeaLoans$25.00$25.001/5/2010 9:31:33 AM
dudebrah$26.00$26.001/4/2010 10:45:55 PM
kf88$25.00$25.001/5/2010 4:12:41 PM
jybank$25.00$25.001/5/2010 4:39:47 PM
JerryB96$25.00$25.001/5/2010 9:49:52 PM
bankojerry$25.00$25.001/5/2010 4:50:18 PM
BankofBeth$25.00$25.001/5/2010 8:29:12 PM
scotty61$26.61$26.611/6/2010 12:18:14 PM
ScottFinance$25.00$25.001/6/2010 5:23:31 AM
wild-orange$25.00$25.001/6/2010 1:24:37 AM
DEFORHIRE$25.00$25.001/6/2010 1:54:57 PM
icon7$25.00$25.001/6/2010 2:11:13 PM
coin-entrepreneur$25.00$25.001/6/2010 2:39:44 PM
hope-lionheart1$25.00$25.001/6/2010 12:55:03 PM
plbquic$25.00$25.001/6/2010 12:09:11 PM
83 bids
 
Borrower Payment Dependent Notes Series 440359
This series of Notes was issued and sold upon the funding of the borrower loan #40388, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Dec-30-2009 
  Auction end date:  Jan-06-2010 
 
Starting lender yield: 20.10% Starting borrower rate/APR: 21.10% / 23.35% Starting monthly payment: $94.32
Final lender yield: 15.00% Final borrower rate/APR: 16.00% / 18.18% Final monthly payment: $87.89
 
Auction yield range: 8.20% - 20.10% Estimated loss impact: 6.84%  
Lender servicing fee: 1.00% Estimated return: 8.16%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-1979 Debt/Income ratio: 33%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $11,349 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 49%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: okiemechanic 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
680-699 (Sep-2009)
620-639 (Aug-2009)
700-719 (Jul-2009)
700-719 (May-2009)
 
Principal balance: $2,369.48 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Pay Down High Rate Debt!!!!!
Purpose of loan:
This loan will be used to?pay off high rate debt.? ?

My financial situation:
I am a good candidate for this loan because? I have sufficient income to meet my obligations, and my wife's income is going up again -- she makes about $1,500 per month?before taxes.? The income and expenses below reflect MY personal income and MY half of our joint expenses.?

Monthly net income: $ 2,494.00

Monthly expenses: $?1,212.00
??Housing: $?207
??Insurance: $?20
??Car expenses: $?200
??Utilities: $?100
??Phone, cable, internet: $?60
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?250
??Other expenses: $ 75
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)
fortytwo$200.00$200.0012/30/2009 4:29:14 PM
Syzygy$25.00$25.0012/31/2009 5:35:56 PM
tranquil-revenue$30.00$30.001/2/2010 10:48:41 AM
Unitas4302$100.00$100.001/3/2010 11:28:46 AM
vine99$75.00$75.001/3/2010 4:32:16 PM
riv701$25.00$25.001/4/2010 10:11:51 AM
tranquil-revenue$100.00$100.001/4/2010 1:14:24 PM
mattbly$25.00$25.001/4/2010 5:24:31 PM
dudebrah$26.00$26.001/4/2010 8:21:27 PM
gpuck$25.00$25.001/5/2010 4:48:39 PM
stevexs$64.00$64.001/5/2010 8:37:22 PM
4mydaughterseducation$31.99$31.991/5/2010 9:02:53 PM
lookin_up$50.00$32.011/6/2010 6:12:37 AM
BuzzyBee336$25.00$25.001/6/2010 8:29:26 AM
mordecei$50.00$50.001/6/2010 9:14:27 AM
impeccable-compassion$50.00$50.001/6/2010 11:50:08 AM
rubylender$25.00$25.001/6/2010 11:56:37 AM
hptcrabbers$25.00$25.001/6/2010 11:59:29 AM
2seriousteachers$25.00$25.001/6/2010 6:41:22 AM
Bob450$50.00$50.001/6/2010 3:23:08 PM
MStackIV$30.00$30.001/6/2010 10:24:03 AM
PotBellyPete$50.00$50.001/6/2010 10:00:17 AM
payout-reaction740$25.00$25.001/6/2010 11:09:26 AM
ghinga$50.00$50.001/6/2010 11:54:34 AM
serene-capital$25.00$25.001/6/2010 3:42:05 PM
gilbrear$25.00$25.001/6/2010 3:45:50 PM
economy-popcorn$25.00$25.001/6/2010 3:29:52 PM
jybank$50.00$50.001/6/2010 3:39:53 PM
mhotchan$200.00$200.001/6/2010 3:42:56 PM
exchange-cowbell5$200.00$200.001/6/2010 3:49:28 PM
Nasdaq$25.00$25.0012/31/2009 12:32:31 PM
Aberdeen$300.00$300.001/1/2010 4:11:39 PM
admirable-credit$25.00$25.001/4/2010 4:41:12 PM
Roundhouse$50.00$50.001/4/2010 8:35:27 PM
glazeddonuts$25.00$25.001/5/2010 4:43:36 PM
a-finance-nirvana$76.00$76.001/5/2010 7:50:33 PM
wild-orange$25.00$25.001/6/2010 1:26:02 AM
one-midas$50.00$50.001/6/2010 3:20:17 PM
patriot384$100.00$100.001/6/2010 3:47:53 PM
nurat$35.00$35.001/6/2010 2:52:51 PM
p2p-journey$50.00$50.001/6/2010 3:53:17 PM
one-midas$50.00$50.001/6/2010 3:49:01 PM
42 bids
 
Borrower Payment Dependent Notes Series 440559
This series of Notes was issued and sold upon the funding of the borrower loan #40404, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $371.07
Final lender yield: 7.45% Final borrower rate/APR: 8.45% / 8.79% Final monthly payment: $362.76
 
Auction yield range: 3.20% - 9.00% 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: 9 First credit line: Jul-2000 Debt/Income ratio: 37%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:10y 1m
Amount delinquent: $0 Revolving credit balance: $7,548 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: delgadom Borrower's state: Mississippi Borrower's group: Vets helping Vets
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 24 ( 100% ) 800-819 (Latest)
Principal borrowed: $17,000.00< mo. late: 0 ( 0% )  
780-799 (Nov-2009)
800-819 (Sep-2008)
820-839 (Dec-2007)
760-779 (Apr-2007)
 
Principal balance: $817.74 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Buying a new car
Purpose of loan:
This loan will be used to?pay off family members?for the purchase of a new?car. A Honda Insight that cost $25000.??I couldnt get a loan from a bank as this car was purchased through a private sale from a co-worker who won the car.
My financial situation:
I am a good candidate for this loan because i have a secure job. I have a current prosper loan in good standing (which will be paid off shortly)?and this debt will be repaid sooner than the 36 months (about 28 months).?I also have extra money from a roommate ($750)?who has been living with me for?24 months and will be for at least another?24 months.

If you have any questions please ask.

Take home pay is currently $3500 per month

House payment is $1100
Car and Insurance $400
Power/TV/Internet $250
Then this prosper payment would be about $400
total bills =? $2550

Left over money would be $1350 + $750 from roommate = $2100 left over each month
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)
first-pragmatic-note$25.00$25.001/4/2010 9:19:56 AM
elasermd$50.00$50.001/4/2010 9:33:41 AM
nuclearmoose$25.00$25.001/4/2010 9:37:03 AM
Binan$25.00$25.001/4/2010 9:38:59 AM
julijask$35.00$35.001/4/2010 9:37:48 AM
mathprof$25.00$25.001/4/2010 9:39:27 AM
nickel-advocator$25.00$25.001/4/2010 9:41:12 AM
oreyedoc$50.00$50.001/4/2010 9:51:18 AM
Rob717171$25.00$25.001/4/2010 9:47:56 AM
kenji4861$25.00$25.001/4/2010 9:48:23 AM
friendly-market5$25.00$25.001/4/2010 9:55:27 AM
fortytwo$200.00$200.001/4/2010 9:57:11 AM
larrybird$100.00$100.001/4/2010 9:58:48 AM
asdf9876$25.00$25.001/4/2010 9:59:26 AM
unk1911$25.00$25.001/4/2010 9:56:12 AM
aventurer$25.00$25.001/4/2010 9:59:16 AM
orange-courageous-dedication$40.00$40.001/4/2010 10:03:02 AM
BankofBen$250.00$250.001/4/2010 10:03:56 AM
AmericanCredit$25.00$25.001/4/2010 10:00:11 AM
honorable-yield$75.00$75.001/4/2010 10:00:22 AM
klinebarger$25.00$25.001/4/2010 9:55:59 AM
jbaum$100.00$100.001/4/2010 10:01:25 AM
skillful-diversification2$25.00$25.001/4/2010 10:01:37 AM
labate$30.00$30.001/4/2010 10:05:59 AM
elevated-platinum5$25.00$25.001/4/2010 10:01:52 AM
meenan$40.00$40.001/4/2010 9:57:31 AM
BlindProphet$25.00$25.001/4/2010 9:57:47 AM
microlendblvr$100.00$100.001/4/2010 9:58:11 AM
jjswanso$25.00$25.001/4/2010 10:19:19 AM
Picopie$50.00$50.001/4/2010 10:01:01 AM
personal-lender$25.00$25.001/4/2010 10:02:07 AM
first-upright-payout$50.00$50.001/4/2010 10:02:34 AM
Geedub$33.89$33.891/4/2010 10:24:39 AM
internetpreneur$25.00$25.001/4/2010 10:24:54 AM
fdsguy$50.00$50.001/4/2010 10:25:37 AM
brstern2$25.00$25.001/4/2010 10:26:38 AM
exciting-responsibility3$25.00$25.001/4/2010 10:05:38 AM
yachey$25.00$25.001/4/2010 10:24:37 AM
newfoundation$25.00$25.001/4/2010 10:25:26 AM
the_winning_ticket$35.00$35.001/4/2010 10:43:35 AM
BankOfFrankFairness$50.00$50.001/4/2010 10:44:03 AM
zbfamwl$25.00$25.001/4/2010 10:24:47 AM
AF-Chief$35.00$35.001/4/2010 10:44:28 AM
derfen$25.00$25.001/4/2010 10:25:27 AM
toblerone$25.00$25.001/4/2010 10:45:06 AM
wampum-optimization$50.00$50.001/4/2010 10:45:40 AM
Goodlender42$25.00$25.001/4/2010 10:46:06 AM
Artist_Blue$25.00$25.001/4/2010 10:46:43 AM
teller$60.00$60.001/4/2010 10:47:16 AM
superchicken$25.00$25.001/4/2010 10:47:54 AM
buckyhead2000$25.00$25.001/4/2010 10:48:06 AM
social-comet7$25.00$25.001/4/2010 10:36:27 AM
elegant-income3$25.00$25.001/4/2010 10:49:25 AM
supreme-hope$25.00$25.001/4/2010 10:49:51 AM
MidLifeCrisis$50.00$50.001/4/2010 10:50:29 AM
DeathScythe676$25.00$25.001/4/2010 10:50:48 AM
delicious-social132$25.00$25.001/4/2010 10:50:58 AM
lending-bear$75.00$75.001/4/2010 10:51:05 AM
bchen78875$50.00$50.001/4/2010 10:42:53 AM
inspired-contract9$50.00$50.001/4/2010 10:43:10 AM
leodaguy$25.00$25.001/4/2010 10:43:29 AM
Walkingcowboy$25.00$25.001/4/2010 10:43:50 AM
platinum-sorcerer6$25.00$25.001/4/2010 10:44:52 AM
Jassi$25.00$25.001/4/2010 10:45:09 AM
dinero-festivity2$50.00$50.001/4/2010 10:45:24 AM
responsibility-butterfly$25.00$25.001/4/2010 10:42:23 AM
lending_mom$25.00$25.001/4/2010 10:45:31 AM
kaykarun$50.00$50.001/4/2010 10:45:45 AM
outtahoth2o$100.00$100.001/4/2010 10:46:20 AM
ven$25.00$25.001/4/2010 10:46:53 AM
wiselady$25.00$25.001/4/2010 10:47:00 AM
rooosta$25.00$25.001/4/2010 10:47:05 AM
discrete-asset$25.00$25.001/4/2010 10:47:17 AM
shamrocker$25.00$25.001/4/2010 10:44:29 AM
cash-boots$25.00$25.001/4/2010 10:44:38 AM
buukyak$25.00$25.001/4/2010 10:44:54 AM
SnE$25.68$25.681/4/2010 10:44:59 AM
nhm$50.00$50.001/4/2010 10:48:50 AM
alpinaut$25.00$25.001/4/2010 10:49:04 AM
skuba$50.00$50.001/4/2010 10:49:37 AM
Sixmil$25.00$25.001/4/2010 10:50:03 AM
KiwiElf$30.00$30.001/4/2010 10:50:18 AM
ADenny$25.00$25.001/4/2010 10:50:24 AM
schpere$30.00$30.001/4/2010 10:47:39 AM
bruin558$80.00$80.001/4/2010 10:50:32 AM
Speculator$50.00$50.001/4/2010 10:51:03 AM
BayShell$49.93$49.931/4/2010 10:51:20 AM
Cheburashka$30.00$30.001/4/2010 10:48:23 AM
stable-nickel$170.00$170.001/4/2010 10:49:30 AM
Zoomie$25.00$25.001/4/2010 10:49:47 AM
solstice175$25.00$25.001/4/2010 10:50:11 AM
jybank$50.00$50.001/4/2010 11:47:50 AM
Divot$25.00$11.821/4/2010 10:51:46 AM
Aberdeen$300.00$300.001/4/2010 11:03:32 AM
dbanwart$25.00$25.001/4/2010 1:17:48 PM
blissful-penny$100.00$100.001/4/2010 10:40:55 PM
hellasow$25.00$25.001/5/2010 1:30:47 AM
GABC-1$50.00$50.001/5/2010 9:02:08 AM
outofoffice$50.00$50.001/5/2010 5:55:50 AM
1SteelerFan$40.00$40.001/5/2010 11:38:40 AM
bondhedger$25.00$25.001/5/2010 11:37:25 AM
Socorro_Capital_Partners$25.00$25.001/5/2010 12:46:11 PM
glazeddonuts$25.00$25.001/5/2010 4:42:44 PM
G-Love$100.00$100.001/5/2010 7:57:01 PM
myidear$25.00$25.001/7/2010 1:50:31 AM
spruce2$25.00$25.001/7/2010 7:11:47 AM
platinum-czar$50.00$50.001/7/2010 7:44:49 AM
cedar5$25.00$25.001/6/2010 8:32:09 PM
KingCroesus$25.00$25.001/6/2010 9:33:03 PM
billnsc$25.00$25.001/7/2010 5:21:41 AM
gojackgo$100.00$100.001/7/2010 11:14:41 AM
Dollars4Rent$25.00$25.001/7/2010 8:24:05 AM
The-Lighthouse-Group$25.00$25.001/7/2010 9:32:56 AM
rmpedi33$150.00$150.001/7/2010 10:17:18 AM
durability-halibut$25.00$25.001/7/2010 11:51:02 AM
RandyL3$25.00$25.001/7/2010 4:24:43 PM
sgmm330$25.00$25.001/7/2010 7:07:43 PM
orangefob7$34.00$34.001/7/2010 7:00:48 PM
surfsider123$25.00$25.001/7/2010 9:16:37 PM
loot-supporter2$25.00$25.001/8/2010 12:14:43 AM
jguerrajr$34.50$34.501/8/2010 5:08:51 AM
BR-549$25.00$25.001/8/2010 5:39:37 AM
octoberfresh$25.00$25.001/8/2010 7:23:48 AM
MGS$25.00$25.001/8/2010 8:50:01 AM
resolute-transaction$25.00$25.001/8/2010 10:15:33 AM
Robbdogg$25.00$25.001/8/2010 10:59:48 AM
bonus-apple$100.00$100.001/8/2010 10:52:54 AM
Digs$25.00$25.001/8/2010 11:48:12 AM
blue_ranger$50.00$50.001/8/2010 11:21:05 AM
Taxman44$25.00$25.001/8/2010 1:44:19 PM
buddy486$25.00$25.001/8/2010 3:17:52 PM
attractive-fund$25.00$25.001/8/2010 2:58:46 PM
Freddie68$25.00$25.001/8/2010 10:00:53 PM
Floridagirl$50.00$50.001/9/2010 5:21:48 AM
Arpad$50.00$50.001/9/2010 5:19:39 PM
richzumi3111$50.00$50.001/10/2010 4:57:14 AM
JerryB96$25.00$25.001/9/2010 9:49:22 PM
Truchaos$42.00$42.001/10/2010 5:08:53 PM
nickel-master$25.00$25.001/11/2010 9:12:41 AM
squarebob$25.00$25.001/11/2010 8:20:56 AM
djh47a$35.00$35.001/4/2010 9:40:50 AM
don8ter$60.00$60.001/4/2010 9:36:57 AM
ChicoBob$50.00$50.001/4/2010 9:37:18 AM
time4aloan$25.00$25.001/4/2010 9:41:41 AM
blukestrel$25.00$25.001/4/2010 9:38:57 AM
scottr$25.00$25.001/4/2010 9:56:28 AM
SNH$47.66$47.661/4/2010 9:58:02 AM
majestic-dedication$50.00$50.001/4/2010 9:59:09 AM
Avala$25.00$25.001/4/2010 9:55:34 AM
portfolio-zone801$25.00$25.001/4/2010 9:59:58 AM
Carpetkid$50.00$50.001/4/2010 10:01:16 AM
thedoctor$90.00$90.001/4/2010 9:56:50 AM
18th_beachbum$25.00$25.001/4/2010 10:01:46 AM
lloyd_s$25.00$25.001/4/2010 10:02:01 AM
Havana21$200.00$200.001/4/2010 10:02:48 AM
intrepid-transaction5$25.00$25.001/4/2010 10:04:28 AM
greenwell$50.00$50.001/4/2010 10:00:29 AM
Patter256$25.00$25.001/4/2010 10:05:19 AM
secundus$25.00$25.001/4/2010 9:58:28 AM
Banker7371$25.00$25.001/4/2010 9:58:34 AM
wormdc$25.00$25.001/4/2010 10:08:47 AM
gold-commander0$50.00$50.001/4/2010 10:03:43 AM
junctionking$25.00$25.001/4/2010 10:04:09 AM
bayareainv$50.00$50.001/4/2010 9:59:37 AM
kegs$100.00$100.001/4/2010 9:59:41 AM
credit-force5$25.00$25.001/4/2010 10:04:36 AM
Castellan$25.00$25.001/4/2010 10:05:15 AM
revmax$25.00$25.001/4/2010 10:22:51 AM
DonaldColorado$25.00$25.001/4/2010 10:03:17 AM
loan-warrior$25.00$25.001/4/2010 10:04:22 AM
handy-justice$25.00$25.001/4/2010 10:10:32 AM
dime-neutron$25.00$25.001/4/2010 10:05:08 AM
albatross897$25.00$25.001/4/2010 10:28:24 AM
omniviper$25.00$25.001/4/2010 10:20:39 AM
mjm77_1$25.00$25.001/4/2010 10:33:40 AM
fastcar750$25.00$25.001/4/2010 10:24:19 AM
tolstoy00$25.00$25.001/4/2010 10:35:52 AM
kulender$30.00$30.001/4/2010 10:10:26 AM
JohnSmith10$25.00$25.001/4/2010 10:11:49 AM
neenerman$25.00$25.001/4/2010 10:41:52 AM
vine99$100.00$100.001/4/2010 10:28:05 AM
StrongMoney$25.00$25.001/4/2010 10:28:27 AM
auction-elvis$25.00$25.001/4/2010 10:42:43 AM
Attract$25.00$25.001/4/2010 10:43:42 AM
cyonamine$25.00$25.001/4/2010 10:22:57 AM
Bearls$25.00$25.001/4/2010 10:24:45 AM
Gibbyland$100.00$100.001/4/2010 10:25:29 AM
Captain88$25.00$25.001/4/2010 10:26:49 AM
wowsurfer$25.00$25.001/4/2010 10:46:35 AM
Purposeful$50.00$50.001/4/2010 10:46:41 AM
GenerousGentleMan$29.02$29.021/4/2010 10:28:16 AM
transparency-giant$37.46$37.461/4/2010 10:28:25 AM
Cai8899$75.00$75.001/4/2010 10:48:01 AM
red-favorable-basis$25.00$25.001/4/2010 10:48:26 AM
johngaltline$25.00$25.001/4/2010 10:36:38 AM
return-marsupial3$25.00$25.001/4/2010 10:48:57 AM
rjleves$25.00$25.001/4/2010 10:49:08 AM
szetheli$50.00$50.001/4/2010 10:49:53 AM
sisterkate$25.00$25.001/4/2010 10:50:30 AM
Avid_Skier$25.00$25.001/4/2010 10:50:34 AM
WillingToHelpOut$25.00$25.001/4/2010 10:35:48 AM
figs4u2$80.00$80.001/4/2010 10:42:51 AM
Katburg$50.00$50.001/4/2010 10:43:17 AM
Kaj$30.00$30.001/4/2010 10:44:18 AM
forthright-social$25.00$25.001/4/2010 10:44:23 AM
anakinsolo$25.00$25.001/4/2010 10:45:34 AM
skvat$25.00$25.001/4/2010 10:46:02 AM
vkorichkov$35.00$35.001/4/2010 10:46:19 AM
jfd287$25.00$25.001/4/2010 10:46:27 AM
gulch$35.00$35.001/4/2010 10:43:23 AM
flwah$25.00$25.001/4/2010 10:47:08 AM
mikeandcat$100.00$100.001/4/2010 10:43:55 AM
natmonkey$25.00$25.001/4/2010 10:44:46 AM
OCedHrt$25.00$25.001/4/2010 10:49:59 AM
head$25.00$25.001/4/2010 10:47:23 AM
grampy48$25.00$25.001/4/2010 10:50:36 AM
djs81$25.00$25.001/4/2010 10:50:41 AM
meux99$25.00$25.001/4/2010 10:47:47 AM
scott73$25.00$25.001/4/2010 10:50:54 AM
JJS180$25.00$25.001/4/2010 10:48:12 AM
Gunny89$25.00$25.001/4/2010 10:48:24 AM
highcountry1$25.00$25.001/4/2010 10:48:30 AM
credit-investor5$100.00$100.001/4/2010 10:48:34 AM
DukSerduk$25.00$25.001/4/2010 10:48:39 AM
thegreatone$100.00$100.001/4/2010 10:49:14 AM
market-builder$25.00$25.001/4/2010 10:49:34 AM
forthright-dedication$25.00$25.001/4/2010 10:49:46 AM
BiggestG$25.00$25.001/4/2010 10:50:13 AM
Phantom99$25.00$25.001/4/2010 10:51:26 AM
exchange-cowbell5$300.00$300.001/4/2010 3:40:01 PM
a2190b$25.00$25.001/4/2010 6:33:24 PM
historyman$25.00$25.001/4/2010 9:20:47 PM
a2190b$25.00$25.001/4/2010 6:32:09 PM
a2190b$25.00$25.001/4/2010 6:32:28 PM
vulgy$25.00$25.001/4/2010 6:57:15 PM
hope-lionheart1$50.00$50.001/4/2010 9:23:51 PM
wonderous-power$25.00$25.001/5/2010 5:07:33 AM
heerzaquestion$25.00$25.001/5/2010 7:36:18 AM
aliasqalias$25.00$25.001/5/2010 4:57:00 PM
Loborei$25.00$25.001/5/2010 7:08:25 PM
springpanda$25.00$25.001/6/2010 11:11:55 AM
bankofriverside$27.00$27.001/6/2010 3:50:59 AM
MStackIV$33.30$33.301/6/2010 10:24:43 AM
greenback-ally$50.00$50.001/6/2010 12:23:10 PM
generous-deal6$25.00$25.001/6/2010 3:30:05 PM
gotbyu$40.00$40.001/6/2010 3:59:21 PM
festivecpl$100.00$100.001/6/2010 5:56:33 PM
redcarp77$50.00$50.001/7/2010 6:47:11 AM
RyanTH9893$50.49$50.491/6/2010 7:24:50 PM
Tc11902$25.00$25.001/7/2010 11:43:06 AM
JoeXB$25.00$25.001/7/2010 10:18:05 AM
martymaniaman$50.00$50.001/7/2010 10:23:27 AM
aqaq8877$100.00$100.001/7/2010 10:32:18 AM
Richmp412$25.00$25.001/7/2010 11:02:21 AM
caseattle$25.00$25.001/7/2010 1:54:12 PM
all_of_that_one$25.00$25.001/7/2010 6:36:23 PM
scott2004114$30.60$30.601/7/2010 6:32:41 PM
mglanham$25.00$25.001/7/2010 7:23:22 PM
MilitaryLending$25.00$25.001/8/2010 4:14:10 AM
iscout$35.00$35.001/8/2010 6:57:16 AM
mobius_titan$25.00$25.001/8/2010 5:46:07 AM
listing-exchanger596$25.00$25.001/8/2010 6:41:02 AM
dist$39.50$39.501/8/2010 7:02:51 AM
PotBellyPete$25.00$25.001/8/2010 11:07:41 AM
trumpeter5$100.00$100.001/8/2010 12:49:19 PM
The-Lighthouse-Group$25.00$25.001/8/2010 7:16:47 PM
frankandirene$25.00$25.001/9/2010 8:53:18 AM
Swabjockey$25.00$25.001/9/2010 9:00:42 AM
lyrisnox$25.00$25.001/9/2010 1:26:58 PM
squarebob$25.00$25.001/9/2010 1:48:43 PM
Planecourage$25.00$25.001/9/2010 11:12:52 AM
planet613$50.00$50.001/9/2010 4:50:27 PM
GarciaCompany$50.00$50.001/9/2010 2:53:04 PM
NoNameLender$57.15$57.151/9/2010 11:26:34 PM
BankofBadHabits$25.00$25.001/10/2010 10:38:11 AM
flshdaskll$25.00$25.001/10/2010 10:14:15 AM
emmeyP$25.00$25.001/10/2010 2:43:54 PM
Lefty_the_Lender$25.00$25.001/10/2010 1:07:48 PM
best-generosity-financier$25.00$25.001/10/2010 8:23:11 PM
mbever10$25.00$25.001/11/2010 5:50:29 AM
orbital-gain$36.00$36.001/11/2010 7:17:42 AM
skubwa$25.00$25.001/11/2010 7:24:59 AM
p2ploan-sensation211$50.00$50.001/11/2010 7:36:52 AM
sunnysally$30.00$30.001/11/2010 6:42:19 AM
284 bids
 
Borrower Payment Dependent Notes Series 440847
This series of Notes was issued and sold upon the funding of the borrower loan #40401, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $16,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $636.16
Final lender yield: 13.80% Final borrower rate/APR: 14.80% / 16.97% Final monthly payment: $553.08
 
Auction yield range: 6.20% - 24.00% Estimated loss impact: 5.23%  
Lender servicing fee: 1.00% Estimated return: 8.57%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Apr-1999 Debt/Income ratio: 24%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $237 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: wallstalking 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 39 ( 100% ) 720-739 (Latest)
Principal borrowed: $30,000.00< mo. late: 0 ( 0% )  
720-739 (Jul-2008)
740-759 (Jan-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 39  
Description
No Risk! Third Prosper Loan
Purpose of loan:
This loan will be used to?invest in other opportunities. I am currently a lender on Prosper, but I am looking at a variety of investment opportunities. I feel that I am able to find greater rate of returns than the interest rate that will be applied to the loan in areas such as investment properties, ETFs, etc.? Obviously, regardless of my return I will not have a problem repaying the loan.

Other Prosper loans:
I have had two Prosper loans since becoming a borrower totaling $30,000, both of which have been completely repaid in a shorter time than scheduled.

My financial situation:
I am a good candidate for this loan because?I have been and will continue to be a great Prosper borrower. I currently make 95K a year and my expenses are limited.

Take home after taxes: $5200/month
Utilities: $125/Month
Rent: $700/Month
Phone: $120/Month
Cable: $95/Month
Car: no payment
Insurance: $120/Month
First Prosper Loan: $580/Month
Total Expenses: $1740/Month


Let me know if you have any questions.? 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)
sparkmeister$25.00$25.001/4/2010 9:55:19 AM
riv701$25.00$25.001/4/2010 10:42:30 AM
Dougmo$31.80$31.801/4/2010 10:42:53 AM
pythia$25.00$25.001/4/2010 11:24:21 AM
woodsider$50.00$50.001/4/2010 11:59:42 AM
Aberdeen$300.00$300.001/4/2010 11:03:33 AM
minista$25.00$25.001/4/2010 11:03:46 AM
orbiter614$50.00$50.001/4/2010 1:24:56 PM
one-midas$100.00$100.001/4/2010 1:34:22 PM
dbanwart$100.00$100.001/4/2010 1:18:50 PM
vutah$25.00$25.001/4/2010 7:29:26 PM
russm011$50.19$50.191/4/2010 4:24:52 PM
JustMee$25.00$25.001/4/2010 9:08:04 PM
outofoffice$80.43$80.431/5/2010 5:53:39 AM
justice-hawk$25.00$25.001/4/2010 5:40:56 PM
Slimoro86$35.00$35.001/4/2010 9:20:37 PM
JackinGreen$75.00$75.001/4/2010 9:24:44 PM
geemel$35.00$35.001/5/2010 10:52:21 AM
serene-capital$25.00$25.001/5/2010 2:49:23 AM
jab4590$25.00$25.001/4/2010 10:09:05 PM
Firescreek$37.50$37.501/5/2010 7:34:12 AM
nickel-synapse$25.00$25.001/5/2010 1:03:54 PM
BenR$100.00$100.001/5/2010 7:27:11 AM
ThomasTrain$25.00$25.001/5/2010 8:30:36 AM
Socorro_Capital_Partners$25.00$25.001/5/2010 12:42:36 PM
tycoon$50.00$50.001/5/2010 1:51:47 PM
bank-examiner$25.00$25.001/5/2010 4:22:19 PM
KarmaBum77$50.00$50.001/5/2010 5:03:27 PM
PHUCKYOUAZZHOLE$25.00$25.001/6/2010 1:05:12 PM
ValyaLibra01$25.00$25.001/6/2010 6:24:03 AM
justice-disk$25.00$25.001/6/2010 8:27:27 AM
exchange-jet$25.00$25.001/6/2010 3:03:28 PM
MStackIV$40.00$40.001/6/2010 10:22:35 AM
OoM$25.00$25.001/6/2010 11:46:40 AM
psalms6612$25.00$25.001/6/2010 3:44:43 PM
greenb$25.00$25.001/6/2010 4:51:27 PM
tdswellington$25.00$25.001/7/2010 6:25:51 AM
RiskAdverse$25.00$25.001/6/2010 7:07:21 PM
JoeXB$25.00$25.001/7/2010 8:03:48 AM
trade-pumpkin$35.40$35.401/6/2010 9:33:56 PM
let_it_ride$40.00$40.001/7/2010 10:55:59 AM
Zagit$32.64$32.641/7/2010 6:18:00 AM
TabascoKat$50.00$50.001/7/2010 7:17:05 AM
redcarp77$46.78$46.781/7/2010 6:48:10 AM
he-shoots-he-scores$75.00$75.001/7/2010 7:15:51 AM
Havnfun$25.00$25.001/7/2010 7:39:01 AM
KichigaiSensei$30.59$30.591/7/2010 2:01:02 PM
Asset-Builder$46.75$46.751/7/2010 10:29:30 AM
estancias$25.00$25.001/7/2010 1:28:47 PM
rockhound84$25.00$25.001/7/2010 1:41:29 PM
ultimatepaintball$25.00$25.001/7/2010 2:12:31 PM
lavb23$25.00$25.001/7/2010 4:24:46 PM
ticketman2$25.00$25.001/7/2010 7:03:23 PM
funds-kingdom$75.00$75.001/7/2010 4:42:31 PM
Trondheim_Norway$250.00$250.001/7/2010 9:32:27 PM
JLPicard$50.00$50.001/7/2010 5:16:32 PM
charitycoon$100.00$100.001/7/2010 8:30:10 PM
giantfan19$25.04$25.041/7/2010 8:38:49 PM
Hotrod52$35.38$35.381/8/2010 6:41:06 AM
plant_a_seed$50.00$50.001/8/2010 7:51:24 AM
UncleSafety$100.00$100.001/8/2010 10:20:55 AM
MoneyTree79$85.70$85.701/8/2010 9:48:40 AM
Robbdogg$25.00$25.001/8/2010 10:20:15 AM
PotBellyPete$27.31$27.311/8/2010 11:13:19 AM
hebergee$25.00$25.001/8/2010 10:42:15 AM
Johnab$25.00$25.001/8/2010 11:26:40 AM
mykeystoy$25.00$25.001/8/2010 12:13:09 PM
mala54$25.00$25.001/8/2010 1:02:36 PM
vtr1000$25.00$25.001/8/2010 1:03:01 PM
Bito03$31.94$31.941/8/2010 2:27:44 PM
bear01$30.00$30.001/8/2010 2:18:49 PM
Saab93$25.00$25.001/8/2010 3:13:01 PM
economy-popcorn$25.00$25.001/8/2010 4:11:04 PM
Chessplayer71$40.72$40.721/8/2010 6:17:03 PM
LenderCB$50.00$50.001/8/2010 6:02:49 PM
crazybunga$37.41$37.411/8/2010 10:31:33 PM
Oak-Parker$25.00$25.001/8/2010 7:09:35 PM
Johnab$25.00$25.001/9/2010 6:17:33 AM
maximizer$25.00$25.001/9/2010 6:22:14 AM
SacTown$50.00$50.001/8/2010 9:23:32 PM
Galdis$25.00$25.001/8/2010 11:00:05 PM
FOFagent1$125.00$125.001/9/2010 5:54:22 AM
silver-boots$25.00$25.001/9/2010 5:41:10 AM
sugybutt$33.70$33.701/9/2010 10:57:24 AM
FinanciallySavvyMom$25.00$25.001/9/2010 12:02:57 PM
Schwamie$103.84$103.841/9/2010 2:04:45 PM
ALFLoan$25.00$25.001/9/2010 3:16:15 PM
PrinceValium$25.00$25.001/9/2010 5:37:54 PM
d_grbg$25.00$25.001/9/2010 3:52:40 PM
JM245$25.00$25.001/9/2010 4:24:30 PM
grammaspurse$25.00$25.001/9/2010 4:42:44 PM
Sugarmama21$50.00$50.001/9/2010 7:01:56 PM
jhsrenne$75.00$75.001/9/2010 7:16:14 PM
Aberdeen$300.00$300.001/10/2010 2:48:51 AM
371millwood$200.00$200.001/10/2010 7:44:03 AM
Tizzo27$50.84$50.841/10/2010 9:07:09 AM
LongTerm$150.00$150.001/10/2010 11:02:03 AM
payout-magician$30.00$30.001/10/2010 11:33:54 AM
miniloan$25.00$25.001/10/2010 4:40:41 AM
The-CAPS-fan$65.00$65.001/10/2010 11:58:17 AM
beeslow$30.00$30.001/10/2010 12:31:22 PM
forthright-trade$25.00$25.001/10/2010 12:38:03 PM
phaded$25.00$25.001/10/2010 1:40:06 PM
organic-platinum$25.00$25.001/10/2010 11:06:29 AM
AF-Chief$72.00$72.001/10/2010 11:47:02 AM
superb-kindness2$25.00$25.001/10/2010 3:41:00 PM
westend$30.00$28.561/10/2010 6:23:07 PM
MoneyOps$25.00$25.001/10/2010 3:08:09 PM
trade77$25.00$25.001/10/2010 6:38:14 PM
nashibaksi$25.00$25.001/10/2010 3:56:34 PM
a-reasonable-return$25.00$25.001/10/2010 7:38:11 PM
Feyenoord$25.00$25.001/10/2010 8:55:44 PM
Delta-Kilo-7K$25.00$25.001/10/2010 6:08:41 PM
market-path$250.00$250.001/10/2010 6:36:56 PM
LoanerPrincipal$100.00$100.001/10/2010 6:43:57 PM
nevetsnosliw1$25.00$25.001/10/2010 10:48:50 PM
capital-lesson$25.00$25.001/10/2010 7:32:28 PM
MyAdvantage$25.00$25.001/11/2010 1:56:19 AM
True-Patriot$25.00$25.001/10/2010 8:27:00 PM
_SCI_$25.00$25.001/11/2010 6:07:25 AM
MJFinancial$50.00$50.001/10/2010 9:24:54 PM
skillful-asset5$175.00$175.001/11/2010 6:48:32 AM
balance-chestnut$50.00$50.001/10/2010 10:44:58 PM
wild-orange$25.00$25.001/11/2010 7:10:18 AM
mohara25$26.62$26.621/10/2010 10:53:55 PM
rate-hickory$25.00$25.001/11/2010 7:42:25 AM
rjsdsu$50.00$50.001/11/2010 8:07:25 AM
trumpeter5$100.00$100.001/11/2010 4:58:18 AM
Hobson$25.00$25.001/11/2010 8:27:09 AM
patriot384$150.00$150.001/11/2010 8:43:03 AM
heather26$25.00$25.001/11/2010 8:44:29 AM
doomsday18$25.00$25.001/11/2010 6:46:46 AM
one-midas$50.00$50.001/11/2010 7:39:55 AM
hollywood_muneca$100.00$100.001/11/2010 9:21:14 AM
revenue-appraiser$50.00$50.001/11/2010 8:45:23 AM
squarebob$25.00$25.001/11/2010 9:22:48 AM
buphigam$25.00$25.001/4/2010 10:07:04 AM
dime-neutron$25.00$25.001/4/2010 10:05:11 AM
cutter21$36.39$36.391/4/2010 10:40:59 AM
mtp$50.00$50.001/4/2010 10:56:05 AM
Syzygy$25.00$25.001/4/2010 11:57:42 AM
bondhedger$25.00$25.001/4/2010 11:03:58 AM
blot44$25.00$25.001/4/2010 1:09:25 PM
FinanceEngine$25.00$25.001/4/2010 1:29:12 PM
indomart$50.00$50.001/4/2010 3:00:25 PM
cold1$25.00$25.001/4/2010 10:37:36 PM
SolarMoonshine$100.00$100.001/4/2010 5:43:15 PM
WeshaTheLeopard$25.00$25.001/4/2010 6:01:50 PM
rmpedi33$250.00$250.001/5/2010 7:19:15 AM
lizphan1$25.00$25.001/4/2010 7:04:29 PM
BOZO88$50.00$50.001/4/2010 6:40:22 PM
lender12345$25.00$25.001/4/2010 7:30:25 PM
stemper$50.00$50.001/4/2010 7:25:21 PM
MoneyForNothing$25.00$25.001/4/2010 7:43:29 PM
hope-lionheart1$25.00$25.001/4/2010 9:19:43 PM
ultimate-commitment$25.00$25.001/4/2010 9:22:39 PM
qcksilvr20$80.00$80.001/5/2010 5:45:51 AM
selector568$100.00$100.001/5/2010 12:40:52 PM
captainzero$75.00$75.001/5/2010 1:26:13 PM
money_player$25.00$25.001/5/2010 2:25:27 PM
the-profit-oracle$25.00$25.001/5/2010 3:28:03 PM
ganon$98.46$98.461/5/2010 4:15:39 PM
Coastielender09$41.73$41.731/5/2010 5:34:27 PM
Nickel8$25.00$25.001/5/2010 7:39:20 PM
elegant-income3$50.00$50.001/5/2010 7:50:28 PM
a-finance-nirvana$40.00$40.001/5/2010 7:53:35 PM
sportcraft18$40.00$40.001/5/2010 6:30:33 PM
HealthyWealthNow$50.00$50.001/5/2010 6:54:32 PM
CycleRyder$25.09$25.091/5/2010 7:20:45 PM
magee425$25.00$25.001/6/2010 5:25:09 AM
CommerciaLender$25.00$25.001/6/2010 1:55:10 PM
Joeburly$75.00$75.001/6/2010 10:57:56 AM
impartial-deal$25.00$25.001/6/2010 11:44:00 AM
hellasow$30.00$30.001/6/2010 2:13:29 PM
AtlantistoXanadu$100.00$100.001/6/2010 4:55:55 PM
Mr_Egret$25.00$25.001/6/2010 6:20:57 PM
wicus$53.51$53.511/6/2010 6:34:15 PM
understanding-integrity4$35.00$35.001/6/2010 8:19:29 PM
bigmacbeef$25.00$25.001/6/2010 9:19:22 PM
momentous-coin$70.86$70.861/6/2010 8:48:12 PM
kelador$43.00$43.001/7/2010 9:16:55 AM
LibbyZ$50.00$50.001/6/2010 10:00:45 PM
Anamorph$25.00$25.001/6/2010 9:38:32 PM
peregrine$50.00$50.001/6/2010 10:36:33 PM
clean-camaraderi$33.94$33.941/7/2010 10:17:42 AM
jodilee31$49.44$49.441/7/2010 4:44:05 AM
Dollars4Rent$25.00$25.001/7/2010 8:31:59 AM
drcoop$40.00$40.001/7/2010 8:39:07 AM
mechsoph$29.04$29.041/7/2010 12:28:39 PM
benevolent-capital1$100.00$100.001/7/2010 8:30:35 AM
raccoon123$50.00$50.001/7/2010 9:02:10 AM
thewinerackcompany$39.82$39.821/7/2010 10:14:17 AM
golfreak923$25.00$25.001/7/2010 10:57:16 AM
kentmolyneaux$29.30$29.301/7/2010 12:39:29 PM
caseattle$50.00$50.001/7/2010 1:46:31 PM
atomantic$100.00$100.001/7/2010 2:24:08 PM
djalan$100.00$100.001/7/2010 3:13:07 PM
Spinnaker$100.00$100.001/7/2010 4:40:50 PM
worth-victor6$25.00$25.001/7/2010 4:41:32 PM
well-rounded-diversification$25.00$25.001/7/2010 6:51:58 PM
BlueProteus$25.00$25.001/7/2010 7:06:13 PM
makosdJR02$41.26$41.261/7/2010 4:40:30 PM
spc91x$25.00$25.001/7/2010 7:20:50 PM
adam28$25.00$25.001/7/2010 6:24:56 PM
pureprofit$100.00$100.001/7/2010 7:58:51 PM
Simply2fly$25.00$25.001/7/2010 8:57:11 PM
Tobias$65.00$65.001/7/2010 7:33:21 PM
BuzzyBee336$25.00$25.001/7/2010 7:48:21 PM
edsmoney$100.00$100.001/7/2010 8:56:52 PM
mbf2234$25.00$25.001/8/2010 3:02:31 AM
Leshan$100.00$100.001/8/2010 7:56:16 AM
usedtoborrow$100.00$100.001/8/2010 8:24:16 AM
blLending$38.00$38.001/8/2010 9:51:57 AM
DJSweetChrisBell$50.00$50.001/8/2010 9:48:13 AM
adir1$50.00$50.001/8/2010 9:58:40 AM
ghinga$25.00$25.001/8/2010 10:50:16 AM
cassperr$25.00$25.001/8/2010 10:41:38 AM
aha6297$36.04$36.041/8/2010 2:33:31 PM
gilbrear$25.00$25.001/8/2010 3:28:48 PM
medkoder$26.49$26.491/8/2010 3:21:22 PM
Capital_Infusion$25.00$25.001/8/2010 3:39:27 PM
corleone110$25.00$25.001/8/2010 5:38:10 PM
Sturgee$25.00$25.001/8/2010 6:33:07 PM
truth-silo$280.00$280.001/8/2010 7:31:59 PM
balance-force$30.00$30.001/8/2010 6:27:26 PM
us957165$25.00$25.001/8/2010 7:21:23 PM
djlucas$35.95$35.951/8/2010 9:25:23 PM
psbruce$25.00$25.001/9/2010 8:30:41 AM
crdcteng$50.00$50.001/9/2010 8:43:46 AM
curious166$100.00$100.001/9/2010 12:48:32 AM
ErpichtAuf$50.00$50.001/9/2010 12:06:03 AM
integrity-doctor$50.00$50.001/9/2010 6:05:30 AM
lefty756$35.00$35.001/9/2010 1:13:25 PM
crdcteng$50.00$50.001/9/2010 8:44:20 AM
Swabjockey$50.00$50.001/9/2010 9:04:38 AM
Planecourage$37.01$37.011/9/2010 11:11:29 AM
DackoDenk$25.00$25.001/9/2010 12:03:20 PM
ManhattanLender$25.00$25.001/9/2010 2:07:12 PM
massuot$25.00$25.001/9/2010 12:47:39 PM
squarebob$25.00$25.001/9/2010 2:49:01 PM
rmpedi33$150.00$150.001/9/2010 3:33:38 PM
piter-to-la-investment$25.00$25.001/9/2010 4:17:15 PM
djp127$25.00$25.001/9/2010 8:21:55 PM
KingCroesus$25.00$25.001/9/2010 8:37:03 PM
JerryB96$25.00$25.001/9/2010 9:58:32 PM
whiterabbit1874$50.00$50.001/10/2010 10:32:56 AM
Lancasterdust$75.00$75.001/10/2010 5:35:28 AM
duty-sensai$50.00$50.001/10/2010 12:05:41 PM
dorypro$25.00$25.001/10/2010 8:06:08 AM
LenderExtraordinaire$25.00$25.001/10/2010 1:32:50 PM
credit-coach118$45.00$45.001/10/2010 9:58:10 AM
GyJAV_BNCCo$32.83$32.831/10/2010 2:51:36 PM
loyalty-czar$75.00$75.001/10/2010 11:15:17 AM
thegreatstrafe$25.00$25.001/10/2010 11:50:37 AM
iaviate1$50.00$50.001/10/2010 4:15:12 PM
exchange-cowbell5$500.00$500.001/10/2010 3:49:17 PM
Lefty_the_Lender$25.00$25.001/10/2010 1:12:50 PM
loot-motion$25.00$25.001/10/2010 5:13:53 PM
lfcgrad$50.00$50.001/10/2010 1:58:39 PM
skifamily1992$25.00$25.001/10/2010 6:01:00 PM
tkr2$25.00$25.001/10/2010 8:01:34 PM
wascocor$25.00$25.001/10/2010 9:00:03 PM
rockhound84$25.00$25.001/10/2010 4:24:41 PM
important-ore$52.70$52.701/10/2010 4:46:25 PM
velocity-winner$25.00$25.001/10/2010 9:04:00 PM
swti37$50.00$50.001/10/2010 10:48:44 PM
red-ready-principal$250.00$250.001/10/2010 7:43:43 PM
sc-pjb11$50.00$50.001/11/2010 3:39:49 AM
wonderous-power$25.00$25.001/11/2010 1:21:37 AM
agile$50.00$50.001/11/2010 4:28:06 AM
kjb1971$25.00$25.001/11/2010 5:49:38 AM
mrreynol$25.00$25.001/11/2010 5:49:37 AM
Share-the-wealth$100.00$100.001/11/2010 6:49:33 AM
Eagledrop$25.00$25.001/11/2010 7:55:01 AM
mhotchan$200.00$200.001/11/2010 8:00:02 AM
nalaari$25.00$25.001/11/2010 4:43:53 AM
principal-star$25.00$25.001/11/2010 8:43:02 AM
rockhound84$25.00$25.001/11/2010 6:37:16 AM
sharp-credit$1,523.00$1,523.001/11/2010 9:02:48 AM
nickel-master$50.00$50.001/11/2010 9:17:09 AM
principal-laser$160.00$160.001/11/2010 8:02:38 AM
Tevco_Investments$25.00$25.001/11/2010 9:12:57 AM
unger$50.00$50.001/11/2010 9:21:16 AM
orbital-gain$50.00$50.001/11/2010 9:22:44 AM
284 bids
 
Borrower Payment Dependent Notes Series 440853
This series of Notes was issued and sold upon the funding of the borrower loan #40392, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jan-04-2010 
  Auction end date:  Jan-06-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $94.29
Final lender yield: 19.05% Final borrower rate/APR: 20.05% / 22.29% Final monthly payment: $92.97
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Dec-1993 Debt/Income ratio: 21%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 14 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:12y 9m
Amount delinquent: $0 Revolving credit balance: $4,344 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 53%Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: gold-razor4 Borrower's state: Nebraska 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
Prorerty Taxes due for 2008
Purpose of loan:
This loan will be used to?? I have to pay my property taxes for 2008

My financial situation:
I am a good candidate for this loan because?? Have a good job. With the Railroad

Monthly net income: $
5600.00
Monthly expenses: $
??Housing: $ 640.00????
??Insurance: $ 250.00
??Car expenses: $ 500.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ only when needed
??Credit cards and other loans: $ 100.00?
??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)
Luv2Bless$25.00$25.001/4/2010 9:25:30 AM
dmfog$25.00$25.001/4/2010 9:26:34 AM
CSUgrad08$25.00$25.001/4/2010 9:26:49 AM
crazycool$25.00$25.001/4/2010 9:27:13 AM
microlendblvr$150.00$150.001/4/2010 9:25:32 AM
peso-colonel$25.00$25.001/4/2010 9:27:44 AM
puifais$25.00$25.001/4/2010 9:28:00 AM
studious-listing8$25.00$12.981/4/2010 9:28:51 AM
UT-Longhorn$25.00$25.001/4/2010 9:27:15 AM
treasure-bliss$100.00$100.001/4/2010 9:27:37 AM
commitment-forte6$25.00$25.001/4/2010 9:28:29 AM
The-CAPS-fan$30.00$30.001/4/2010 9:28:38 AM
whsprint$25.00$25.001/4/2010 9:25:27 AM
CalBear5$25.00$25.001/4/2010 9:25:39 AM
RICHMONDREB$25.00$25.001/4/2010 9:25:49 AM
schpere$25.00$25.001/4/2010 9:25:57 AM
triumph329$25.00$25.001/4/2010 9:27:35 AM
sjlender$25.00$25.001/4/2010 9:28:09 AM
Steveoo1$25.00$25.001/4/2010 9:28:15 AM
Interstate_Rate$500.00$500.001/4/2010 9:28:43 AM
wwwUniversal$25.00$25.001/4/2010 10:08:27 AM
kginatl$50.05$50.051/4/2010 10:28:21 AM
Ven58$25.00$25.001/4/2010 10:12:14 AM
charming-point$300.00$300.001/4/2010 7:03:48 PM
maccpro1$50.00$50.001/4/2010 11:08:33 PM
LoanerPrincipal$50.00$50.001/4/2010 10:18:17 PM
shark1234$25.00$25.001/5/2010 3:54:12 PM
CK1$25.00$25.001/5/2010 4:12:26 PM
Prosp_Lender$25.00$25.001/4/2010 9:26:06 AM
aventurer$25.00$25.001/4/2010 9:26:16 AM
burrito6$25.00$25.001/4/2010 9:27:06 AM
18th_beachbum$25.00$25.001/4/2010 9:27:18 AM
Katburg$35.00$35.001/4/2010 9:27:24 AM
kelseyshea$25.00$25.001/4/2010 9:25:25 AM
PocketAces$25.00$25.001/4/2010 9:28:24 AM
worthy-reward1$50.00$50.001/4/2010 9:28:35 AM
yield-hero4$25.00$25.001/4/2010 9:26:40 AM
kulender$25.00$25.001/4/2010 9:27:33 AM
piter-to-la-investment$25.00$25.001/4/2010 9:28:20 AM
skiingawfs$25.00$25.001/4/2010 9:26:22 AM
docktah$50.00$50.001/4/2010 9:26:28 AM
larrybird$100.00$100.001/4/2010 9:26:54 AM
serpentine$50.00$50.001/4/2010 9:27:04 AM
robot777$40.00$40.001/4/2010 10:42:04 AM
Syzygy$25.00$25.001/4/2010 11:57:04 AM
Bob450$25.00$25.001/4/2010 12:35:28 PM
coin-investor$25.00$25.001/4/2010 3:49:20 PM
interstellar$50.00$50.001/5/2010 10:56:59 AM
LT-Loans$25.00$25.001/5/2010 1:26:21 PM
income-fortress$31.97$31.971/5/2010 4:05:54 PM
SolarMoonshine$25.00$25.001/5/2010 5:45:12 PM
51 bids
 
Borrower Payment Dependent Notes Series 440937
This series of Notes was issued and sold upon the funding of the borrower loan #40397, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $452.36
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Aug-1983 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 22 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $109,089 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: money-amplifier9 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
Refinancing debt to pay off
Purpose of loan:
This loan will be used to? pay down some credit cards and bills in exchange for lower interest rates.

My financial situation:
I am a good candidate for this loan because? I have never missed any payment of any type. Plus, I will be receiving a raise and a bonus at work in early 2010.

Monthly net income: $ 12,000 with my other sources of income

Monthly expenses: $ 10,930
??Housing: $ 4,250
??Insurance: $ 400
??Car expenses: $ 1,200
??Utilities: $ 300
Phone, cable, internet: $ 180
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 3,000
??Other expenses: $ 1,000
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 the interest rate on the debt your trying to pay off ? - Capit0l
A: The interest rates that I am paying down are in the 27 percent range. The key to the deal though, is that I am making deals with Discover and AMEX to reduce the interest rate on the remaining balance that I am not yet paying off. That is where I will see significant savings. (Jan-07-2010)
Q: Hi: Where do you live, in what area of law do you practice, and how secure do you consider your job? - courteous-bazaar
A: I am in Los Angeles. I am currently working for two companies...a parent company and its subsidiary. We launched a new division a few months ago so we are currently in a growth phase and there is plenty of work. I would say I have excellent job security. (Jan-09-2010)
Q: Thanks for the response. How did you accumulate your revolving debt (listed as $109,000)? Do you have any other debts (mortgage, student loans, HELOC)? What are your plans are to pay down debt? Is your stated monthly income of $12K net of taxes? - courteous-bazaar
A: Credit card debt was accumulated due to a variety of reasons,but medical expenses (both human and pet) account for a huge percentage. I do have student loans and a mortgage payment. That income is net of taxes. My plans to pay down debt is based on deals with credit card companies to lower interest rateas if I send them a little bit of cash now and I will be receiving a raise and bonus within the next 6 months. (Jan-10-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bob450$25.00$25.001/4/2010 10:01:52 PM
reflective-rupee$1,000.00$1,000.001/4/2010 6:53:25 PM
Capit0l$25.00$25.001/6/2010 6:01:37 PM
reflective-rupee$1,000.00$1,000.001/7/2010 12:36:46 PM
371millwood$200.00$200.001/9/2010 8:00:30 AM
admirable-credit$25.00$25.001/11/2010 9:36:50 AM
credit-missile$100.00$100.001/11/2010 11:06:19 AM
reflective-rupee$1,500.00$1,500.001/11/2010 10:39:08 AM
Bob450$25.00$25.001/11/2010 12:41:45 PM
shrewd-income$100.00$100.001/11/2010 1:47:59 PM
Tono$25.00$25.001/11/2010 3:01:49 PM
Laxa$25.00$25.001/11/2010 2:07:56 PM
credit-missile$50.00$50.001/11/2010 3:31:21 PM
innovator2$50.00$50.001/11/2010 3:34:54 PM
asset-control2$75.00$75.001/11/2010 3:59:01 PM
Bill88$40.00$40.001/11/2010 3:50:27 PM
quest0$25.00$25.001/11/2010 3:02:57 PM
diedebtdie$25.00$25.001/11/2010 4:00:49 PM
SolarMoonshine$50.00$50.001/5/2010 6:22:08 PM
adaptable-capital$1,000.00$1,000.001/8/2010 11:16:05 AM
piter-to-la-investment$25.00$25.001/8/2010 12:03:33 PM
reflective-rupee$500.00$500.001/8/2010 3:04:52 PM
reflective-rupee$2,500.00$2,500.001/11/2010 9:45:38 AM
Peterman$250.00$250.001/11/2010 10:27:42 AM
well-mannered-income3$60.00$60.001/11/2010 9:51:15 AM
Californium18$75.00$75.001/11/2010 11:21:00 AM
IASKGOD$25.00$25.001/11/2010 11:29:21 AM
jhernand17$25.00$25.001/11/2010 10:31:43 AM
credit-missile$154.27$154.271/11/2010 11:04:57 AM
worldly-gold$400.00$400.001/11/2010 1:20:35 PM
reflective-rupee$500.00$74.241/11/2010 12:44:16 PM
well-mannered-income3$40.00$40.001/11/2010 1:06:23 PM
Crom$25.00$25.001/11/2010 1:08:38 PM
zone6$200.00$200.001/11/2010 3:53:50 PM
myGodisgood$25.00$25.001/11/2010 3:38:35 PM
asset-control2$75.00$75.001/11/2010 3:58:49 PM
Lubava$25.00$25.001/11/2010 2:41:59 PM
ZOOOM$25.00$25.001/11/2010 3:56:36 PM
DMKAssetManagement$31.49$31.491/11/2010 3:08:39 PM
unger$50.00$50.001/11/2010 3:17:38 PM
innovator2$50.00$50.001/11/2010 4:02:24 PM
41 bids
 
Borrower Payment Dependent Notes Series 441395
This series of Notes was issued and sold upon the funding of the borrower loan #40391, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jan-07-2010 
  Auction end date:  Jan-13-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $189.99
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $189.99
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Sep-1989 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 7 / 4Employment status:Retired
Now delinquent: 0 Total credit lines: 17Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $1,920Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 61% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: plentiful-duty4 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
Payoff Debt
Purpose of loan:
This loan will be used to? Consolidate Debt into one monthly payment

My financial situation:
I am a good candidate for this loan because? I am mature, pay my bills, worked hard to keep my credit good, trustworthy.? I own my home.?

Monthly net income: $ 3200.00

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 66
??Car expenses: $ 400
??Utilities: $?140
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?404
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why did your previous listing get cancelled? - Capit0l
A: I was afraid of online scamming artists. When you go online with personal information, it opens you up to all kinds of spam. When I talked to Prosper, they gave me peace of mind. Thanks. (Jan-08-2010)
Q: Please explain .....your source of income now that you are retired..Also, you state you own your home but you have housing expenses listed? - skillful-asset5
A: I receive a pension from the U S Postal Service, which is guaranteed for the rest of my life. I do own my own home. I purchased it in October. I gave all information I was required to give. I did give a breakdown of my monthly expenses when prompted to do so. (Jan-08-2010)
Q: Is the home loan in your name? Your report states you don't own a home? - JGuide
A: My report needs to be corrected. My home is in my name. I will call Prosper to correct this. Thanks. (Jan-12-2010)
Q: So you are retired with a brand new 30 year mortgage of 1200 a month? - ideal-value
A: Yes. I am a young retiree. My pension covers my bills. Except that I want to pay off my car and consolidate. I am looking for supplemental income to get debt free. Thanks. (Jan-12-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kt103099$25.00$25.001/7/2010 4:26:12 PM
kegs$100.00$100.001/7/2010 4:26:24 PM
careful-compassion$25.00$25.001/7/2010 4:27:17 PM
djh47a$25.00$25.001/7/2010 4:29:13 PM
time4aloan$25.00$25.001/7/2010 4:23:02 PM
unk1911$25.00$25.001/7/2010 4:35:08 PM
WalnutCreekguy$25.00$25.001/7/2010 4:26:22 PM
handy-justice$50.00$50.001/7/2010 4:26:35 PM
Rob717171$25.00$25.001/7/2010 4:26:29 PM
atothez$50.00$50.001/7/2010 4:26:42 PM
Phantom99$25.00$25.001/7/2010 4:26:57 PM
market-builder$25.00$25.001/7/2010 4:26:48 PM
treasure-amplifier6$25.00$25.001/7/2010 4:29:16 PM
Orringo$25.00$25.001/7/2010 4:29:47 PM
ryan23$25.00$25.001/7/2010 4:29:22 PM
skiingawfs$25.00$25.001/7/2010 4:29:45 PM
sincere-rate8$25.00$25.001/7/2010 4:39:57 PM
return-tycoon3$25.00$25.001/7/2010 4:41:58 PM
econgineer$35.28$35.281/7/2010 6:18:59 PM
exchange-cowbell5$150.00$150.001/7/2010 7:04:11 PM
WMY-Investor$25.00$25.001/7/2010 5:05:58 PM
SolarMoonshine$25.00$25.001/7/2010 6:40:43 PM
lisyuan$25.00$25.001/7/2010 9:29:19 PM
red-ready-principal$100.00$100.001/7/2010 8:23:39 PM
Brainworm$25.00$25.001/7/2010 9:30:11 PM
hyperfront$25.00$25.001/7/2010 9:13:34 PM
Diamond_Jim$25.00$25.001/7/2010 11:50:41 PM
fuzed$25.00$25.001/8/2010 7:52:45 AM
regooks$25.00$25.001/8/2010 8:08:51 AM
selfmademan$25.00$25.001/8/2010 9:44:59 AM
bold-balanced-dime$25.00$25.001/8/2010 9:40:28 AM
blue-liberty-gourd$25.00$25.001/8/2010 9:54:16 AM
STOCKBROKER1$25.00$25.001/8/2010 10:06:20 AM
DeltaComputerGuy$25.00$25.001/8/2010 9:45:30 AM
xiaoshem$25.00$25.001/8/2010 10:07:55 AM
contract-voltage$25.00$25.001/8/2010 11:06:49 AM
toddhutch$25.00$25.001/8/2010 11:27:24 AM
hard-working-loot$25.00$25.001/8/2010 12:26:01 PM
jldallover$25.00$25.001/8/2010 12:50:46 PM
helping-out$25.00$25.001/8/2010 1:06:35 PM
Rogesparkguy$25.00$25.001/8/2010 1:06:47 PM
super100$25.00$25.001/8/2010 1:04:57 PM
MitchD$25.00$25.001/8/2010 1:05:04 PM
beakerfish$25.00$25.001/8/2010 1:05:08 PM
cheaplender$25.00$25.001/8/2010 1:05:00 PM
Ananya$25.00$25.001/8/2010 1:06:33 PM
duckbill_1972$25.00$25.001/8/2010 1:06:43 PM
jleng$25.00$25.001/8/2010 1:05:17 PM
evaglamazon$25.00$25.001/8/2010 1:05:36 PM
loan-squadron$30.00$30.001/8/2010 1:06:01 PM
glowing-commerce$25.00$25.001/8/2010 1:06:38 PM
acebandit$25.00$25.001/8/2010 1:06:49 PM
JustMee$25.00$25.001/9/2010 6:58:59 AM
cunning-bill$25.00$25.001/8/2010 11:29:56 PM
imlosttoo$25.00$25.001/10/2010 2:48:43 AM
orange-finance-banker$50.00$50.001/11/2010 7:27:01 AM
oceanwind1950$25.00$25.001/12/2010 3:57:34 AM
receptive-reward$50.00$50.001/12/2010 2:41:23 PM
piter-to-la-investment$25.00$25.001/12/2010 12:26:59 PM
Rogelio48$30.00$14.901/12/2010 5:00:28 PM
affluence-cargo$50.00$50.001/13/2010 5:48:15 AM
Tono$30.00$30.001/13/2010 12:04:54 PM
radiant-liberty7$25.00$25.001/12/2010 7:15:14 PM
note-tent$25.00$25.001/7/2010 4:26:15 PM
Tammy102800$25.00$25.001/7/2010 4:26:19 PM
LR_Biker$25.00$25.001/7/2010 4:26:44 PM
inspiring-reward$50.00$50.001/7/2010 4:26:46 PM
delicious-social132$25.00$25.001/7/2010 4:26:50 PM
studious-responsibility$25.00$25.001/7/2010 4:28:03 PM
SongBirdProphecy$25.00$25.001/7/2010 4:29:35 PM
TrustinOthers$25.00$25.001/7/2010 4:29:46 PM
BankofBen$25.00$25.001/7/2010 4:26:09 PM
niceville80$25.00$25.001/7/2010 4:26:26 PM
larrybird$100.00$100.001/7/2010 4:26:37 PM
forthright-dedication$25.00$25.001/7/2010 4:26:31 PM
Soxxes$25.00$25.001/7/2010 4:27:05 PM
MidLifeCrisis$25.00$25.001/7/2010 4:27:28 PM
principal-kung-fu$25.00$25.001/7/2010 4:29:46 PM
moola-phase$25.00$25.001/7/2010 4:41:05 PM
CASHGIRL$25.00$25.001/7/2010 4:52:24 PM
thetropics18$25.00$25.001/7/2010 4:55:15 PM
zippy-interest$25.00$25.001/7/2010 4:39:59 PM
scottr$25.00$25.001/7/2010 4:53:34 PM
influential-gain$25.00$25.001/7/2010 8:28:59 PM
CROBRUN$25.00$25.001/7/2010 9:29:15 PM
p2ploan-leaper$25.00$25.001/7/2010 9:29:57 PM
DasMula$50.00$50.001/7/2010 5:06:10 PM
DaveM0$25.00$25.001/8/2010 1:46:31 AM
JKEnterprises$25.00$25.001/8/2010 2:41:05 AM
Carne_Chung$25.00$25.001/8/2010 5:18:32 AM
jasonrossi11$30.00$30.001/8/2010 8:08:52 AM
Duanep01$25.00$25.001/8/2010 9:42:51 AM
galtsgulch$25.00$25.001/8/2010 9:46:00 AM
archeanchaos$25.00$25.001/8/2010 11:10:28 AM
Mickeyblu$25.00$25.001/8/2010 11:10:43 AM
BankofRon$25.00$25.001/8/2010 1:05:00 PM
rolo12$50.00$50.001/8/2010 1:05:33 PM
tuneman1980$25.00$25.001/8/2010 1:06:42 PM
Laima$25.00$25.001/8/2010 1:04:54 PM
westend$25.00$25.001/8/2010 1:05:07 PM
amijo$25.00$25.001/8/2010 1:05:11 PM
MO_Investor$25.00$25.001/8/2010 1:05:06 PM
sensible-order2$25.00$25.001/8/2010 1:06:40 PM
dougndoe$35.00$35.001/8/2010 1:05:16 PM
rickp$25.00$25.001/8/2010 1:05:34 PM
bazzer$25.00$25.001/8/2010 1:06:00 PM
adama_48$25.00$25.001/8/2010 1:06:37 PM
boybutter$25.00$25.001/8/2010 1:06:45 PM
affluence-cargo$25.00$25.001/8/2010 5:04:54 PM
innovator2$75.00$75.001/8/2010 5:24:12 PM
gold-cluster$200.00$200.001/8/2010 9:10:45 PM
putian47$25.00$25.001/9/2010 5:59:41 PM
fund-medalist171$25.00$25.001/10/2010 12:22:39 PM
GeoLender$25.00$25.001/10/2010 3:53:08 PM
ltdalum$38.00$38.001/11/2010 10:22:16 AM
bold-principal-thinker$25.00$25.001/11/2010 9:43:43 AM
rlcot$50.00$50.001/11/2010 10:10:38 AM
lcole32$25.00$25.001/11/2010 2:15:22 PM
buffalobills$25.00$25.001/11/2010 2:21:01 PM
tornandfrayed$25.00$25.001/11/2010 5:41:46 PM
innovator2$100.00$100.001/11/2010 7:11:13 PM
innovator2$86.82$86.821/11/2010 7:12:17 PM
cklb$50.00$50.001/12/2010 5:00:03 AM
blkfroggy$25.00$25.001/12/2010 8:16:49 AM
DenimCapital$50.00$50.001/13/2010 8:16:27 AM
cunning-bill$25.00$25.001/13/2010 9:53:03 AM
Ronnieboy888$25.00$25.001/13/2010 8:32:15 AM
127 bids