Sales Report:Supplement No. 132 dated Feb 08, 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 385599
This series of Notes was issued and sold upon the funding of the borrower loan #40767, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Feb-03-2010 
  Auction end date:  Feb-04-2010 
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $126.27
Final lender yield: 7.25% Final borrower rate/APR: 8.25% / 8.59% Final monthly payment: $125.81
 
Auction yield range: 3.06% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.75%  
<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 scores: First credit line: Jun-1988 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 7 / 7Length of status:3y 5m
Credit score: 820-839 (Feb-2010) Total credit lines: 21 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $1,213Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 46%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: jamel11234 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan Consolidation
Purpose of loan:
This loan will be used to consolifate my wife's credit cards...when we got married last Sept I had one credit card, and she had about 6 all with pretty high balances...since then I have used my money management expertise to pay down some of them-- but would like to get rid of them once and for all

My financial situation:
I am a good candidate for this loan because I have a great credit score and always pay my debts.....this is just another strategy that I am employing to stay on track with our finances
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)
DonaldColorado$25.00$25.002/3/2010 4:01:45 PM
turbospeed$25.00$25.002/3/2010 4:08:39 PM
kindness-percolator5$25.00$25.002/3/2010 4:13:46 PM
skvat$25.00$25.002/3/2010 4:13:59 PM
lloyd_s$25.00$25.002/3/2010 4:13:19 PM
kulender$30.00$30.002/3/2010 4:13:29 PM
moola-escalator$50.00$50.002/3/2010 4:14:06 PM
blooming-market$25.00$25.002/3/2010 4:14:09 PM
blissful-note7$25.00$25.002/3/2010 4:15:02 PM
lean-velocity$25.00$25.002/3/2010 4:03:49 PM
thedoctor$90.00$90.002/3/2010 4:23:09 PM
junctionking$25.00$25.002/3/2010 4:23:24 PM
bchen78875$50.00$50.002/3/2010 4:22:34 PM
delicious-social132$25.00$25.002/3/2010 4:22:50 PM
ChristopherHS$25.00$25.002/3/2010 4:38:21 PM
loan-master996$50.00$50.002/3/2010 4:23:32 PM
commerce-voyager$25.00$25.002/3/2010 4:12:43 PM
credit-force5$25.00$25.002/3/2010 4:13:26 PM
theprince$25.00$25.002/3/2010 4:13:38 PM
br4444$25.00$25.002/3/2010 4:14:18 PM
CardCapDude$25.00$25.002/3/2010 4:14:58 PM
mikeandcat$100.00$100.002/3/2010 4:45:12 PM
Cheburashka$26.86$26.862/3/2010 4:48:19 PM
forthright-dedication$25.00$25.002/3/2010 4:50:24 PM
Cai8899$75.00$75.002/3/2010 4:22:41 PM
kmr2$100.00$100.002/3/2010 4:23:05 PM
dollar-birdie$30.00$30.002/3/2010 4:23:19 PM
auction-elvis$25.00$25.002/3/2010 4:23:31 PM
WSTRDG$25.00$25.002/3/2010 4:40:56 PM
wiselady$25.00$25.002/3/2010 9:21:53 PM
BigMoney56$25.00$25.002/3/2010 4:51:42 PM
wormdc$25.00$25.002/4/2010 2:16:51 AM
Aeroman32$25.00$25.002/4/2010 7:33:47 AM
buckyhead2000$25.00$25.002/4/2010 7:39:00 AM
DeltaComputerGuy$25.00$25.002/4/2010 9:35:07 AM
BURNERA_1$100.00$100.002/4/2010 10:11:48 AM
balance-voyager$50.83$50.832/4/2010 10:47:33 AM
MM1207$25.00$25.002/4/2010 10:47:47 AM
wampum-optimization$50.00$50.002/4/2010 10:47:54 AM
schpere$30.00$30.002/4/2010 10:47:58 AM
Pasagam$25.00$25.002/4/2010 10:48:04 AM
kanakakm$50.00$50.002/4/2010 10:48:03 AM
unequaled-loyalty7$25.00$25.002/4/2010 10:47:42 AM
poeman$25.00$25.002/4/2010 10:47:45 AM
determined-contract$30.00$30.002/4/2010 10:47:57 AM
Walkingcowboy$25.00$25.002/4/2010 10:48:06 AM
bigballer105$25.00$25.002/4/2010 11:10:12 AM
BankofBen$46.52$46.522/4/2010 11:31:54 AM
market-socrates4$25.00$25.002/4/2010 12:02:15 PM
CaptPicard$25.00$25.002/4/2010 12:11:36 PM
BayShell$32.23$32.232/4/2010 12:02:27 PM
woodenshoes$25.00$25.002/4/2010 1:16:36 PM
microlendblvr$50.00$50.002/4/2010 2:08:12 PM
elegant-income3$25.00$25.002/4/2010 2:08:01 PM
Registerednurse1$25.00$9.772/4/2010 2:23:04 PM
ajk_blue$25.00$25.002/4/2010 2:33:21 PM
WhiteGiant$25.00$25.002/4/2010 4:21:57 PM
worthy-bid4$55.79$55.792/4/2010 4:37:33 PM
PBanker$25.00$25.002/4/2010 5:46:51 PM
kenji4861$25.00$25.002/3/2010 4:03:42 PM
skuba$50.00$50.002/3/2010 4:02:01 PM
personal-lender$25.00$25.002/3/2010 4:13:20 PM
AF-Chief$28.00$28.002/3/2010 4:14:12 PM
gold-commander0$50.00$50.002/3/2010 4:14:31 PM
meenan$25.00$25.002/3/2010 4:13:15 PM
falcon245sp$25.00$25.002/3/2010 4:15:15 PM
penny-zeus$25.00$25.002/3/2010 4:14:38 PM
market-builder$25.00$25.002/3/2010 4:22:46 PM
commerce-web5$40.00$40.002/3/2010 4:23:15 PM
rolandweary$30.00$30.002/3/2010 4:23:22 PM
red-favorable-basis$25.00$25.002/3/2010 4:23:25 PM
desertoasis$25.00$25.002/3/2010 4:23:43 PM
dealarella$25.00$25.002/3/2010 4:23:00 PM
peerlender$30.00$30.002/3/2010 4:23:08 PM
wampum-reaction2$25.00$25.002/3/2010 4:23:46 PM
cash-sensai2$25.00$25.002/3/2010 4:13:10 PM
mlopez2007$50.00$50.002/3/2010 4:13:52 PM
roentgen$25.00$25.002/3/2010 4:42:44 PM
trade-trumpet$25.00$25.002/3/2010 4:14:01 PM
friendly-worth3$50.00$50.002/3/2010 4:15:03 PM
reinforced-reward$25.00$25.002/3/2010 4:44:31 PM
balance6$25.00$25.002/3/2010 4:47:21 PM
social-conductor4$25.00$25.002/3/2010 4:50:18 PM
F_r_e_d_s__B_a_n_k$100.00$100.002/3/2010 5:03:25 PM
bowdish1$100.00$100.002/3/2010 4:22:57 PM
supreme-hope$25.00$25.002/3/2010 4:23:28 PM
Havana21$25.00$25.002/3/2010 4:23:39 PM
LandE2BG$25.00$25.002/3/2010 4:23:51 PM
dontscrewmeover1$25.00$25.002/3/2010 5:40:58 PM
AmericanCredit$25.00$25.002/3/2010 4:24:33 PM
turbospeed$25.00$25.002/3/2010 4:24:50 PM
inspired-contract9$50.00$50.002/3/2010 4:51:32 PM
movistar$25.00$25.002/3/2010 7:16:18 PM
aldenrains$25.00$25.002/3/2010 9:21:51 PM
Cherrypicker$50.00$50.002/4/2010 6:24:48 AM
jscig$25.00$25.002/4/2010 6:54:21 AM
DukSerduk$25.00$25.002/4/2010 7:39:02 AM
first-pragmatic-note$25.00$25.002/4/2010 10:42:31 AM
Beachbum27$25.00$25.002/4/2010 10:47:29 AM
GElender$50.00$50.002/4/2010 10:47:58 AM
exciting-responsibility3$25.00$25.002/4/2010 10:48:02 AM
red-trade-cologne$25.00$25.002/4/2010 10:44:38 AM
laredotornado$25.00$25.002/4/2010 10:48:09 AM
alpinaut$25.00$25.002/4/2010 10:47:51 AM
kchen486$25.00$25.002/4/2010 10:47:40 AM
leodaguy$25.00$25.002/4/2010 10:47:53 AM
AFairDeal$25.00$25.002/4/2010 10:47:56 AM
friendly-market5$25.00$25.002/4/2010 10:48:05 AM
guardlender$25.00$25.002/4/2010 11:41:15 AM
Zach842$25.00$25.002/4/2010 11:31:32 AM
Tai$25.00$25.002/4/2010 12:02:30 PM
CAGE-Investments$25.00$25.002/4/2010 12:16:54 PM
springpanda$25.00$25.002/4/2010 1:15:04 PM
Mr_Money$25.00$25.002/4/2010 2:07:45 PM
CaptainBlueberry$25.00$25.002/4/2010 2:07:51 PM
dma1206$25.00$25.002/4/2010 2:18:08 PM
EmeritusX$25.00$25.002/4/2010 4:36:20 PM
grampy48$25.00$25.002/4/2010 5:37:57 PM
marwadi-62$90.00$90.002/4/2010 7:17:11 PM
psbruce$25.00$25.002/4/2010 7:36:31 PM
120 bids
 
Borrower Payment Dependent Notes Series 443761
This series of Notes was issued and sold upon the funding of the borrower loan #40770, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jan-22-2010 
  Auction end date:  Jan-29-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 31.00% Final borrower rate/APR: 32.00% / 34.41% Final monthly payment: $108.89
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 19.82%  
Lender servicing fee: 1.00% Estimated return: 11.18%  
<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 scores: First credit line: Jul-1979 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Retired
Enhanced (1-10):Not Available Current / open credit lines: 7 / 7Length of status:1y 2m
Credit score: 700-719 (Jan-2010) Total credit lines: 31Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $5,534 
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: marodale22 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
520-539 (Jan-2008)
520-539 (Nov-2007)
640-659 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Pay off a credit card & small loan
Purpose of loan:
This loan will be used to?pay off a?high interest credit card and a loan for a water heater.?

My financial situation: I am serious about reducing high interest credit card debt while also lowering my monthly expenses.? Since retiring i have had to rethink some of my expenses.? Expenses for phone, cable are going to be reduced.? My son who is becoming increasingly more independent as he is increasing his income will be able to pay his own telephone bill and contribute more to the household income. At the same time I will be adding a new renter to the household for an increase of $400 a month.? This will increase my income from $4300 to $4700 per month.
Monthly net income: $ 3800 (pension) + $500 roomer income = $4300

Monthly expenses: $
??Housing: $ 2388(principle, taxes, insurance and interest)
??Insurance: $
??Car expenses: $200
??Utilities: $ 425
??Phone, cable, internet: $ 300
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??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: see my page please. - Tono
A: My monthly expenses total $4,063. This includes mortgage expense of $2388 plus all other expenses of $1675 Thank you Tono for your question and input. (Jan-28-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MoneyForNothing$25.00$25.001/23/2010 10:04:11 PM
GlenBank$50.00$50.001/24/2010 8:15:24 AM
worthy-bid4$25.00$25.001/28/2010 4:03:23 PM
reflective-rupee$50.00$50.001/28/2010 5:30:45 PM
Leshan$86.85$86.851/29/2010 6:57:08 AM
currency-bumblebee$50.00$50.001/29/2010 9:43:58 AM
MrMoneyBags$30.14$30.141/29/2010 9:49:00 AM
catb$37.00$37.001/29/2010 11:06:25 AM
BrighterSuns$25.00$25.001/29/2010 11:16:31 AM
Aberdeen$300.00$300.001/29/2010 11:39:01 AM
Rip128$100.00$100.001/29/2010 12:48:29 PM
Bobusa$25.00$25.001/29/2010 12:59:33 PM
dllaker$30.00$30.001/29/2010 8:32:45 AM
Capit0l$25.00$25.001/29/2010 2:05:38 PM
Your_Bank$25.00$25.001/29/2010 3:03:35 PM
MrDance123$25.00$25.001/29/2010 3:22:51 PM
371millwood$200.00$51.711/29/2010 3:37:19 PM
just-trade0$36.00$36.001/29/2010 3:51:59 PM
transparency-tomahawk$50.00$50.001/29/2010 3:51:25 PM
lend42013$25.00$25.001/29/2010 1:04:42 PM
PatriotKnight$50.00$50.001/29/2010 1:40:40 PM
ZOOOM$30.00$30.001/29/2010 3:50:07 PM
DasMula$50.00$50.001/22/2010 5:11:01 PM
Firescreek$37.50$37.501/23/2010 8:33:19 AM
prudent-gain7$35.00$35.001/23/2010 12:52:08 PM
equitylender$50.00$50.001/24/2010 1:25:57 PM
DasMula$50.00$50.001/24/2010 5:18:22 PM
RainyDayFunds$25.00$25.001/28/2010 12:53:28 PM
WeshaTheLeopard$25.05$25.051/28/2010 2:34:27 PM
thomas16882004$25.00$25.001/28/2010 5:40:58 PM
Kash2010lu$25.00$25.001/28/2010 6:00:32 PM
daekpon$25.00$25.001/28/2010 11:59:15 PM
chameleon125$25.00$25.001/29/2010 7:37:14 AM
Skeptical-one$50.00$50.001/29/2010 8:08:01 AM
Ray3486$26.50$26.501/29/2010 9:22:36 AM
twjh$25.00$25.001/29/2010 9:19:21 AM
tcbmc$25.00$25.001/29/2010 10:11:10 AM
value-crusader5$25.50$25.501/29/2010 10:47:28 AM
wyobeads$25.00$25.001/29/2010 11:11:54 AM
Aberdeen$243.30$243.301/29/2010 11:42:14 AM
SAR-2$133.00$133.001/29/2010 2:00:21 PM
fireferd$96.49$96.491/29/2010 2:22:32 PM
nodebt2012$50.00$50.001/29/2010 2:59:12 PM
Bob450$25.00$25.001/29/2010 3:43:01 PM
ustfu$25.00$25.001/29/2010 3:49:02 PM
unger$50.00$50.001/29/2010 3:51:59 PM
heritage_loans$25.96$25.961/29/2010 10:38:20 AM
persistent-income2$25.00$25.001/29/2010 2:18:55 PM
himistu22$25.00$25.001/29/2010 2:42:42 PM
The-CAPS-fan$50.00$50.001/29/2010 3:18:36 PM
DANTHEMAN2$25.00$25.001/29/2010 3:20:38 PM
cunning-bill$25.00$25.001/29/2010 3:50:04 PM
52 bids
 
Borrower Payment Dependent Notes Series 444169
This series of Notes was issued and sold upon the funding of the borrower loan #40759, 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-25-2010 
  Auction end date:  Feb-01-2010 
 
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: 4.06% - 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 scores: First credit line: Apr-1989 Debt/Income ratio: 24%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 15 / 14Length of status:21y 0m
Credit score: 760-779 (Jan-2010) Total credit lines: 44 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $7,458Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: inspired-ore9 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?pay off credit card debt?and legal fees associated with my spouse's reduction in salary.
My financial situation:
I am a good candidate for this loan because? I have been employed with the Department of Justice for 21 years.? I recently received a raise and my current annual salary is $115,000.00 and my take home pay is $2,014.72 bi weekly. I want to relieve myself of credit card debt once and for all and only have to be concerned with paying debt associated with my home. My husband's salary was recently reduced and receiving this loan will elimate additional debt, stress and strain associated with credit cards.? Although, credit cards are useful, they can get out of control.? I have had enough! It is time to come up, get out and move on to better things. Hopefully one day, I will be able to get into investing...one thing at a time. Debt relief is the first and primary priority.
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)
enthusiastic-balance5$100.00$100.001/25/2010 4:35:22 PM
wampum-reaction2$25.00$25.001/25/2010 4:38:47 PM
the-silver-blaster$50.00$50.001/25/2010 4:37:15 PM
livingaloha$25.00$25.001/25/2010 4:42:11 PM
LenderByDay$25.00$25.001/25/2010 4:45:35 PM
selfmademan$25.00$25.001/25/2010 4:42:46 PM
dm_invest$25.00$25.001/25/2010 4:57:28 PM
desertoasis$25.00$25.001/25/2010 4:57:51 PM
unk1911$25.00$25.001/25/2010 4:58:20 PM
cognizant-rate732$50.00$50.001/25/2010 4:59:09 PM
kenji4861$25.00$25.001/25/2010 5:00:16 PM
AF-Chief$35.00$35.001/25/2010 5:00:05 PM
srilm$25.00$25.001/25/2010 5:06:04 PM
progressive-asset$100.00$100.001/25/2010 5:06:17 PM
Goodlender42$25.00$25.001/25/2010 5:06:36 PM
Trimalchio12$25.00$25.001/25/2010 5:06:39 PM
John73$25.00$25.001/25/2010 5:07:02 PM
_G_$50.00$50.001/25/2010 5:07:08 PM
LiquidLender$25.00$25.001/25/2010 5:05:52 PM
adamnash$25.00$25.001/25/2010 5:06:59 PM
shasta1$25.00$25.001/25/2010 5:07:20 PM
Swabjockey$25.00$25.001/25/2010 5:08:23 PM
undaunted-agreement$25.00$25.001/25/2010 5:07:59 PM
autonomous-basis$25.00$25.001/25/2010 5:08:18 PM
captainack$25.00$25.001/25/2010 5:07:11 PM
nourishing-hope835$25.00$25.001/25/2010 5:07:28 PM
maple1$25.00$25.001/25/2010 5:07:33 PM
commerce-handshake$25.00$25.001/25/2010 5:07:46 PM
smilinguy$25.00$25.001/25/2010 5:07:49 PM
Dawgs34$25.00$25.001/25/2010 5:10:05 PM
bold-bright-currency$25.00$25.001/25/2010 5:09:07 PM
mmmm1982$28.00$28.001/25/2010 5:10:54 PM
dospapalotes$25.00$25.001/25/2010 5:08:51 PM
loucr2003$25.00$25.001/25/2010 5:10:19 PM
DLock99$25.00$25.001/25/2010 5:09:28 PM
commerce-voyager$25.00$25.001/25/2010 5:10:47 PM
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benefit-squirrel$30.00$30.001/25/2010 5:14:53 PM
elegant-bonus$25.00$25.001/25/2010 5:14:06 PM
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Banker7371$25.00$25.001/25/2010 5:15:28 PM
industrious-dedication$25.00$25.001/25/2010 5:14:28 PM
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important-ore$50.00$50.001/25/2010 5:17:02 PM
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apeloans$25.00$25.001/25/2010 5:17:07 PM
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ghinga$50.00$50.001/25/2010 5:16:50 PM
stjules$50.00$50.001/25/2010 5:18:19 PM
junctionking$25.00$25.001/25/2010 5:17:27 PM
financial-frenzy$50.00$50.001/25/2010 5:18:27 PM
Rob717171$25.00$25.001/25/2010 5:16:40 PM
MrDavid$25.00$25.001/25/2010 5:18:40 PM
red-favorable-basis$25.00$25.001/25/2010 5:16:44 PM
MrBodaggit$25.00$25.001/25/2010 5:18:01 PM
gentle-note$25.00$25.001/25/2010 5:18:51 PM
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auction-elvis$25.00$25.001/25/2010 5:18:12 PM
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maldok1$25.00$25.001/25/2010 5:19:06 PM
reflective-cash0$50.00$50.001/25/2010 5:19:19 PM
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HamachiMan$25.00$25.001/25/2010 5:19:22 PM
integrity-doctor$50.00$50.001/25/2010 5:18:34 PM
E_G$30.00$30.001/25/2010 5:19:34 PM
wayman$50.00$50.001/25/2010 5:19:40 PM
oaktown23$50.00$50.001/25/2010 5:19:01 PM
OldFriend$25.00$25.001/25/2010 5:19:04 PM
unclejaef$25.00$25.001/25/2010 5:17:54 PM
kchen486$25.00$25.001/25/2010 5:19:47 PM
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NDFIRTH$50.00$50.001/25/2010 5:19:57 PM
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paymentologist$25.00$25.001/25/2010 5:19:24 PM
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30Sky$25.00$25.001/25/2010 5:21:07 PM
felicity-synapse$25.00$25.001/25/2010 5:19:28 PM
one-midas$25.00$25.001/25/2010 5:21:12 PM
kulender$25.00$25.001/25/2010 5:20:31 PM
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TheoProf$50.00$50.001/25/2010 5:21:28 PM
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Prosp_Lender$50.00$50.001/25/2010 5:20:17 PM
crazycool$25.00$25.001/25/2010 5:20:29 PM
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Carpetkid$25.00$25.001/25/2010 5:20:55 PM
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money-maniac$50.00$50.001/25/2010 5:21:20 PM
Avala$50.00$50.001/25/2010 5:21:27 PM
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melodious-fairness$25.00$25.001/26/2010 7:11:18 PM
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bankojerry$25.00$25.001/28/2010 4:17:22 PM
natural-greenback6$25.00$25.001/29/2010 10:18:42 PM
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Your_Bank$25.00$25.001/30/2010 5:22:26 PM
Cherrypicker$50.00$50.001/30/2010 8:15:15 PM
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supreme-bonus0$25.00$25.001/25/2010 4:37:31 PM
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Dahlozer$25.00$25.001/25/2010 4:58:11 PM
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THREE-POINTS-LENDING$25.00$25.001/25/2010 5:06:44 PM
xrycac$25.00$25.001/25/2010 5:06:23 PM
How$25.00$25.001/25/2010 5:06:47 PM
BumblingStunmbling$25.00$25.001/25/2010 5:06:52 PM
irun$25.00$25.001/25/2010 5:06:56 PM
diplomatic-point4$50.00$50.001/25/2010 5:05:35 PM
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fxtrader$25.00$25.001/25/2010 5:07:52 PM
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swoosh$25.00$25.001/25/2010 5:08:15 PM
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niskyfranchise$25.00$25.001/25/2010 5:09:24 PM
bambampk$25.00$25.001/25/2010 5:08:26 PM
life-is-great$25.00$25.001/25/2010 5:08:31 PM
topher515$25.00$25.001/25/2010 5:08:33 PM
Kulchar$50.00$50.001/25/2010 5:08:57 PM
helpu88$25.00$25.001/25/2010 5:09:02 PM
george_kaplan$25.00$25.001/25/2010 5:08:05 PM
aldeed$25.00$25.001/25/2010 5:08:09 PM
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mpactlender$25.00$25.001/25/2010 5:09:31 PM
blooming-market$25.00$25.001/25/2010 5:09:11 PM
friendly-worth3$25.00$25.001/25/2010 5:10:31 PM
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Orringo$75.00$75.001/25/2010 5:11:46 PM
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mikeandcat$100.00$100.001/25/2010 5:12:22 PM
peso-colonel$90.00$90.001/25/2010 5:13:46 PM
personal-lender$25.00$25.001/25/2010 5:15:10 PM
brooklynjoe$25.00$25.001/25/2010 5:14:36 PM
saffron4$25.00$25.001/25/2010 5:14:41 PM
value-pole$25.00$25.001/25/2010 5:15:53 PM
lending-bear$50.00$50.001/25/2010 5:13:30 PM
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rooosta$25.00$25.001/25/2010 5:16:09 PM
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lloyd_s$25.00$25.001/25/2010 5:15:48 PM
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NorthernFunds$25.00$25.001/25/2010 5:16:56 PM
generosity-giraffe0$25.00$25.001/25/2010 5:17:57 PM
Gibbyland$75.00$75.001/25/2010 5:17:11 PM
Cai8899$50.00$50.001/25/2010 5:17:14 PM
famous-bill$75.00$75.001/25/2010 5:18:21 PM
elevated-platinum5$50.00$50.001/25/2010 5:17:20 PM
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Superc0ld$38.34$38.341/25/2010 5:17:41 PM
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rlcot$25.00$25.001/25/2010 5:19:05 PM
Beverly_Hills_Lender$25.00$25.001/25/2010 5:19:10 PM
piter-to-la-investment$25.00$25.001/25/2010 5:18:32 PM
BlindJoeDeath$25.00$25.001/25/2010 5:19:26 PM
GElender$50.00$50.001/25/2010 5:17:33 PM
ryan23$25.00$25.001/25/2010 5:17:38 PM
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falcon88dp$25.00$25.001/25/2010 5:17:51 PM
duty-monger$50.00$50.001/25/2010 5:19:45 PM
plentiful-reward$50.00$50.001/25/2010 5:19:09 PM
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aasx1108$25.00$25.001/25/2010 5:19:30 PM
gulch$25.00$25.001/25/2010 5:20:12 PM
Pizza-man$50.00$50.001/25/2010 5:19:33 PM
payout-achievement$40.00$40.001/25/2010 5:19:37 PM
studious-listing8$25.00$25.001/25/2010 5:20:35 PM
worldly-community3$25.00$25.001/25/2010 5:19:50 PM
durability-mad-scientist4$100.00$100.001/25/2010 5:20:39 PM
peerlender$30.00$30.001/25/2010 5:19:54 PM
bill-expert$25.00$25.001/25/2010 5:19:02 PM
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dmfog$25.00$25.001/25/2010 5:20:24 PM
punctual-power7$25.00$25.001/25/2010 5:19:31 PM
CAGE-Investments$100.00$100.001/25/2010 5:21:16 PM
The-CAPS-fan$30.00$30.001/25/2010 5:20:34 PM
credit-kahuna$100.00$100.001/25/2010 5:19:35 PM
currency-oak$25.00$25.001/25/2010 5:21:26 PM
heng2x$25.00$25.001/25/2010 5:21:32 PM
Clambake$50.00$50.001/25/2010 5:20:45 PM
hyetech$35.00$35.001/25/2010 5:20:49 PM
harmonious-revenue7$25.00$25.001/25/2010 5:21:01 PM
kaiger$25.00$25.001/25/2010 5:21:09 PM
promiser200$25.00$25.001/25/2010 5:20:05 PM
best-deal-banker$25.00$25.001/25/2010 5:21:19 PM
calm-deal7$25.00$25.001/25/2010 5:20:07 PM
community-broadcaster$25.00$25.001/25/2010 5:21:22 PM
wonderful-return5$25.00$25.001/25/2010 5:20:14 PM
OCedHrt$25.00$25.001/25/2010 5:21:36 PM
commitment-forte6$25.00$25.001/25/2010 5:20:32 PM
payout-point$50.00$50.001/25/2010 5:20:37 PM
ThomasCrown$30.00$30.001/25/2010 5:20:48 PM
reward-adventure$25.00$25.001/25/2010 5:20:52 PM
anders94$25.00$25.001/25/2010 5:20:59 PM
tsui517$25.00$25.001/25/2010 5:21:05 PM
zippy-interest$25.00$25.001/25/2010 5:21:10 PM
Aimvest$25.00$25.001/25/2010 5:21:15 PM
friendly-market5$25.00$25.001/25/2010 5:21:24 PM
helpinghand75$25.00$25.001/25/2010 5:21:30 PM
Fiimg$50.00$16.331/25/2010 5:21:37 PM
dontscrewmeover1$25.00$25.001/25/2010 6:22:19 PM
the-bright-velocity$25.00$25.001/26/2010 11:57:35 AM
springpanda$25.00$25.001/26/2010 4:10:47 PM
bondhedger$25.00$25.001/26/2010 10:40:43 PM
interstellar$50.00$50.001/28/2010 1:15:25 PM
selo80$25.00$25.001/29/2010 4:11:44 PM
zpellman$55.00$55.001/29/2010 8:39:30 PM
availableloan$25.00$25.001/29/2010 10:29:22 PM
worthy-bid4$50.00$50.001/30/2010 10:03:24 AM
axelducheck$25.00$25.002/1/2010 5:50:56 AM
friendinmoney$50.00$50.002/1/2010 9:27:24 AM
b0b$25.00$25.002/1/2010 12:31:33 PM
wwwUniversal$25.00$25.002/1/2010 8:07:29 AM
ore-dojo$100.00$100.002/1/2010 2:00:01 PM
295 bids
 
Borrower Payment Dependent Notes Series 444331
This series of Notes was issued and sold upon the funding of the borrower loan #40766, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $20,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Jan-26-2010 
  Auction end date:  Jan-30-2010 
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 12.35% Starting monthly payment: $664.29
Final lender yield: 11.00% Final borrower rate/APR: 12.00% / 12.35% Final monthly payment: $664.29
 
Auction yield range: 3.06% - 11.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.49%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1994 Debt/Income ratio: 19%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 16 / 16Length of status:3y 3m
Credit score: 840-859 (Jan-2010) Total credit lines: 39 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,460Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: justalittlebitmore Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
College Fund, 17 years of rental.
Our Oldest?s College Fund
The numbers still work out so that renting this place for the next 17 years gives our daughter a pretty good chunk of money to be spent toward her college education.

Design Features:
? 3rd Floor Master Bedroom Suite with attic storage
? 2nd Floor 17? Cathedral Ceiling in Family Room
? Tall glass block windows
? Large front and rear balcony?s
? Granite kitchen counters
? 1st and 2nd floor laundry
? Azek Exterior Trim Boards
? 3 Zone Radiant Floor Heating
? Polaris Hot Water Heater (Supplies all Heat and Hot Water to whole House)
? Plumbing Manifold in basement for easy repair and maintenance
? Sprayed Foam Insulation

Financial Information:
Monthly Income $ 13,000.00

Expenses
Main Home Mortgage, Taxes, Insurance 2,400.00
Rental Mortgage, Taxes 1,050.00
Insurance 200.00
Auto Loans 1,100.00
Student Loans 300.00
ChildCare 640.00
Paid off Monthly (Average)
Citi Card 1,000.00
Discover 2,000.00
Sam's Club 300.00
Monthly Expenses: 8,990.00

Directly Attributed to Project House
Mortgage, Taxes, Insurance 500.00
Home Equity LOC 100.00
Personal Loan 370.00
Personal Loan 840.00
AT&T Universal 175.00
Citi Card (interest rate does not have end date) 90.00
Monthly Payment for Project House: 2,075.00

Net: $2,135.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Where is this house? You sure you can rent it out? - ideal-value
A: There is no doubt that it will get rented. There is some debate over the $/month which will be settled on. Lofts in downtown Hamtramck which would most likely have parking issues go for between $1000 and $1500. Detroit Apartments (middle to higher end good location 2 bedroom) run between $1200 and $2000+. Any of these numbers for each unit would have me smiling all the way to my daughters college education and my next property She can get well supplemented for far less. (Jan-27-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Walkingcowboy$25.00$25.001/26/2010 3:59:39 PM
wampum-optimization$50.00$50.001/26/2010 3:59:53 PM
AFairDeal$25.00$25.001/26/2010 4:01:10 PM
laredotornado$25.00$25.001/26/2010 4:01:30 PM
kulender$30.00$30.001/26/2010 3:58:40 PM
bchen78875$50.00$50.001/26/2010 3:59:06 PM
inspired-contract9$50.00$50.001/26/2010 3:59:12 PM
leodaguy$25.00$25.001/26/2010 3:59:22 PM
arenangelchild$100.00$100.001/26/2010 4:06:34 PM
toblerone$50.00$50.001/26/2010 3:59:48 PM
lloyd_s$25.00$25.001/26/2010 3:57:45 PM
market-builder$25.00$25.001/26/2010 4:00:30 PM
exciting-responsibility3$25.00$25.001/26/2010 3:58:27 PM
thedoctor$90.00$90.001/26/2010 4:01:49 PM
dollar-birdie$30.00$30.001/26/2010 4:02:09 PM
LEBO$25.00$25.001/26/2010 4:09:33 PM
schpere$30.00$30.001/26/2010 4:00:08 PM
the-owner$25.00$25.001/26/2010 4:09:47 PM
aldenrains$25.00$25.001/26/2010 4:02:41 PM
Badsland$25.00$25.001/26/2010 4:10:51 PM
ptjg$100.00$100.001/26/2010 4:03:30 PM
auction-elvis$25.00$25.001/26/2010 4:04:14 PM
Havana21$25.00$25.001/26/2010 4:05:12 PM
junctionking$25.00$25.001/26/2010 4:03:04 PM
MissionMicroFinance$25.00$25.001/26/2010 4:05:53 PM
CallMeBen$50.00$50.001/26/2010 4:03:24 PM
Minotaur$36.00$36.001/26/2010 4:06:31 PM
loan-master996$50.00$50.001/26/2010 4:04:30 PM
alpinaut$25.00$25.001/26/2010 4:08:07 PM
two_old_gals$25.00$25.001/26/2010 4:04:46 PM
g314$30.00$30.001/26/2010 4:05:06 PM
buckyhead2000$25.00$25.001/26/2010 4:06:06 PM
loyalist1$25.00$25.001/26/2010 4:09:54 PM
responsibility-butterfly$25.00$25.001/26/2010 4:06:47 PM
balance6$25.00$25.001/26/2010 4:10:00 PM
dud$50.00$50.001/26/2010 4:10:54 PM
all_of_that_one$25.00$25.001/26/2010 4:26:08 PM
CIC$25.00$25.001/26/2010 4:16:23 PM
captkirby$25.00$25.001/26/2010 4:27:05 PM
munnu$25.00$25.001/26/2010 4:09:30 PM
fairness-faire$25.00$25.001/26/2010 4:31:22 PM
DonaldColorado$25.00$25.001/26/2010 4:25:53 PM
internetpreneur$25.00$25.001/26/2010 4:26:59 PM
loaninvesting$25.00$25.001/26/2010 4:27:24 PM
dinero-oasis$25.00$25.001/26/2010 4:31:23 PM
jga516$25.00$25.001/26/2010 4:35:12 PM
Rattlehead$250.00$250.001/26/2010 4:35:22 PM
payout-point$100.00$100.001/26/2010 4:34:07 PM
egw$25.00$25.001/26/2010 4:34:14 PM
ok$25.00$25.001/26/2010 4:34:54 PM
blackstar$25.00$25.001/26/2010 4:35:15 PM
totoro$25.00$25.001/26/2010 5:12:54 PM
inforapenny$25.00$25.001/26/2010 4:40:49 PM
microlendblvr$100.00$100.001/26/2010 5:16:16 PM
elegant-income3$25.00$25.001/26/2010 5:17:20 PM
the-aggresive-principal$25.00$25.001/26/2010 5:43:14 PM
cash-sensai2$25.00$25.001/26/2010 4:45:23 PM
meenan$25.00$25.001/26/2010 4:45:38 PM
intrepid-transaction5$25.00$25.001/26/2010 5:14:05 PM
lucrative-loan$50.00$50.001/26/2010 5:16:52 PM
Cheburashka$30.00$30.001/26/2010 5:17:16 PM
noble-vigilance9$25.00$25.001/26/2010 5:13:40 PM
Steveoo1$43.03$43.031/26/2010 5:14:50 PM
AmericanCredit$25.00$25.001/26/2010 5:17:08 PM
aasx1108$25.00$25.001/26/2010 5:17:18 PM
MrBodaggit$25.00$25.001/26/2010 5:40:15 PM
dsgfl1$25.00$25.001/26/2010 5:53:27 PM
pnace$25.00$25.001/26/2010 5:41:26 PM
Picopie$50.00$50.001/26/2010 5:47:03 PM
gciarami$25.00$25.001/26/2010 5:43:16 PM
cash-queen$50.00$50.001/26/2010 5:48:28 PM
tocchan$25.00$25.001/26/2010 5:48:42 PM
deal-promiser$25.00$25.001/26/2010 6:03:32 PM
winlender$25.00$25.001/26/2010 6:07:05 PM
nickel-eagle5$25.00$25.001/26/2010 5:53:25 PM
generosity-giraffe0$25.00$25.001/26/2010 5:48:30 PM
blot44$25.00$25.001/26/2010 6:47:12 PM
DrMoneyBags$25.00$25.001/26/2010 5:58:23 PM
bds9646$26.00$26.001/26/2010 5:51:39 PM
hotwired$25.00$25.001/26/2010 7:41:15 PM
financial-frenzy$25.00$25.001/26/2010 5:58:06 PM
bill-expert$25.00$25.001/26/2010 5:59:25 PM
verse99$25.00$25.001/26/2010 5:59:46 PM
influential-gain$25.00$25.001/26/2010 10:01:02 PM
-J$25.00$25.001/26/2010 10:01:17 PM
gulch$35.00$35.001/26/2010 6:00:21 PM
the-dinero-samurai$50.00$50.001/26/2010 6:38:27 PM
greenback-floret$50.00$50.001/27/2010 12:17:08 AM
exchange-cub$25.00$25.001/26/2010 9:46:35 PM
thunderkiss$25.00$25.001/26/2010 9:57:15 PM
speyer$25.00$25.001/26/2010 9:58:25 PM
gold-commander0$50.00$50.001/26/2010 10:01:06 PM
BayShell$50.00$50.001/26/2010 10:01:11 PM
bigdogsafety1$25.00$25.001/26/2010 10:01:18 PM
samo102us$25.00$25.001/26/2010 10:01:45 PM
jsw7us$50.00$50.001/27/2010 7:27:00 AM
blooming-market$25.00$25.001/27/2010 12:34:16 AM
Kaj$30.00$30.001/26/2010 10:01:12 PM
chibear34$25.00$25.001/27/2010 4:04:14 AM
JD6202001$50.00$50.001/27/2010 6:57:44 AM
teller$25.00$25.001/27/2010 7:21:16 AM
teaching2fish$50.00$50.001/27/2010 7:59:04 AM
mykkai$25.00$25.001/27/2010 9:06:04 AM
green-benefit-enclave$25.00$25.001/27/2010 7:26:58 AM
MrBailey$25.00$25.001/27/2010 10:22:56 AM
vestquid$25.00$25.001/27/2010 11:48:10 AM
inforapenny$25.00$25.001/27/2010 10:56:41 AM
saintjude$50.00$50.001/27/2010 9:40:51 AM
social-conductor4$25.00$25.001/27/2010 11:25:47 AM
371millwood$200.00$200.001/27/2010 11:46:22 AM
trustedfriend$25.00$25.001/27/2010 2:18:15 PM
balance-voyager$100.00$100.001/27/2010 2:18:24 PM
UT-Longhorn$25.00$25.001/27/2010 2:18:33 PM
faithey$25.00$25.001/27/2010 2:18:22 PM
29Palms$25.00$25.001/27/2010 2:18:31 PM
Moneypenny6$25.00$25.001/27/2010 3:54:25 PM
nuclearmoose$25.00$25.001/27/2010 2:19:56 PM
MO_Investor$25.00$25.001/27/2010 1:17:41 PM
platinum-platoon$25.00$25.001/27/2010 2:15:50 PM
km007$25.00$25.001/27/2010 2:18:19 PM
silverloan$25.00$25.001/27/2010 2:18:33 PM
flexible-value$25.00$25.001/27/2010 6:26:12 PM
Railbird$25.00$25.001/27/2010 8:47:45 PM
kind-efficient-credit$25.00$25.001/27/2010 8:55:58 PM
BONSAY$25.00$25.001/27/2010 11:16:38 PM
mattpet$25.00$25.001/27/2010 7:07:44 PM
ajayne1953$100.00$100.001/27/2010 7:53:37 PM
sentry256$25.00$25.001/28/2010 9:25:46 AM
Guiren$100.00$100.001/28/2010 9:26:20 AM
Kattosha$25.00$25.001/28/2010 9:25:36 AM
here2lend$25.00$25.001/28/2010 9:26:08 AM
BankOfShaun$25.00$25.001/28/2010 9:26:51 AM
Goodlender42$25.00$25.001/28/2010 9:31:39 AM
theprince$25.00$25.001/27/2010 10:26:23 PM
BONSAY$40.00$40.001/27/2010 11:16:22 PM
BoughtTheFarm$25.00$25.001/28/2010 9:37:21 AM
alaco$25.00$25.001/28/2010 10:13:18 AM
investment-comet$25.00$25.001/28/2010 11:18:54 AM
rmachi$25.00$25.001/28/2010 11:19:59 AM
dllaker$25.00$25.001/28/2010 11:43:04 AM
ChicaBonita$25.00$25.001/28/2010 9:24:05 AM
IP$30.37$30.371/28/2010 12:34:53 PM
rjblack$50.00$50.001/28/2010 9:31:45 AM
kindness-percolator5$25.00$25.001/28/2010 9:42:57 AM
dr-dollar$25.00$25.001/28/2010 10:04:23 AM
Phantom99$25.00$25.001/28/2010 3:49:23 PM
powersjq$25.00$25.001/28/2010 11:13:03 AM
rdrloan$25.00$25.001/28/2010 11:19:45 AM
bayareainv$32.97$32.971/28/2010 2:49:49 PM
screen23$25.00$25.001/29/2010 2:00:51 AM
gymboree3$25.00$25.001/29/2010 2:46:20 AM
the-financier814$25.00$25.001/29/2010 3:21:59 AM
skvat$25.00$25.001/29/2010 4:43:05 AM
brilliant-commerce3$50.00$50.001/29/2010 4:57:30 AM
he-shoots-he-scores$75.00$75.001/29/2010 7:05:19 AM
curious166$37.68$37.681/29/2010 7:56:17 AM
Red4Golf$25.00$25.001/29/2010 8:56:35 AM
caseattle$25.00$25.001/29/2010 9:29:25 AM
Zipperdu$50.00$50.001/29/2010 9:27:45 AM
Tradesmanlender$25.00$25.001/29/2010 9:41:17 AM
tenacious-payout$25.00$25.001/29/2010 9:49:47 AM
blindtaxidriver$25.00$25.001/29/2010 11:54:35 AM
Shelby2082$25.00$25.001/29/2010 6:29:25 AM
twjh$25.00$25.001/29/2010 12:46:09 PM
bamboozled_again$30.00$30.001/29/2010 1:11:44 PM
PatRichi$25.00$25.001/29/2010 8:15:36 AM
wyogirllender$25.00$25.001/29/2010 3:47:05 PM
run_dmc$63.00$63.001/29/2010 4:03:23 PM
ALL-PRIME$25.00$25.001/29/2010 12:09:04 PM
beakerfish$500.00$500.001/29/2010 12:42:13 PM
Kierf$31.76$31.761/29/2010 1:28:18 PM
Thomas_62$390.00$390.001/29/2010 1:49:51 PM
mjosa$50.00$50.001/29/2010 4:24:35 PM
superstar449$75.00$75.001/29/2010 7:11:37 PM
thaceisbac$25.00$25.001/29/2010 7:26:41 PM
nhm$50.00$50.001/29/2010 9:42:05 PM
PeacefulFlorida$50.00$50.001/29/2010 7:56:21 PM
GarciaCompany$56.58$56.581/29/2010 10:12:12 PM
w8291$25.00$25.001/30/2010 4:49:41 AM
credit-kahuna$200.00$200.001/30/2010 1:26:45 AM
4hi4low$100.00$100.001/30/2010 7:00:37 AM
mjcareful$40.00$40.001/30/2010 8:17:37 AM
gaiusceasar$25.00$25.001/30/2010 8:27:42 AM
ryreesado$25.00$25.001/29/2010 7:37:17 PM
mooselover$50.00$50.001/30/2010 9:54:03 AM
Gromac$25.00$25.001/30/2010 9:55:38 AM
elasermd$50.00$50.001/30/2010 11:16:55 AM
ribrosu$100.00$100.001/29/2010 10:32:36 PM
ajst1$28.69$28.691/30/2010 11:52:35 AM
poster177$50.00$50.001/30/2010 4:16:43 PM
sharp-credit$25.00$25.001/30/2010 7:16:40 AM
outtahoth2o$63.15$63.151/30/2010 7:41:42 AM
allloans4me$50.00$50.001/30/2010 7:42:23 AM
ratherbefishing$50.00$50.001/30/2010 2:17:30 PM
dealarella$25.00$25.001/26/2010 4:00:57 PM
commerce-web5$40.00$40.001/26/2010 4:01:52 PM
determined-contract$30.00$30.001/26/2010 4:02:01 PM
kanakakm$50.00$50.001/26/2010 4:02:24 PM
first-fund-empenada$25.00$25.001/26/2010 4:03:18 PM
personal-lender$25.00$25.001/26/2010 3:58:14 PM
desertoasis$25.00$25.001/26/2010 4:05:47 PM
wampum-reaction2$25.00$25.001/26/2010 4:06:09 PM
skuba$25.00$25.001/26/2010 4:06:19 PM
delicious-social132$25.00$25.001/26/2010 4:00:38 PM
credit-force5$25.00$25.001/26/2010 3:58:19 PM
mlopez2007$50.00$50.001/26/2010 4:01:02 PM
kmr2$60.00$60.001/26/2010 4:01:21 PM
RockCrown$25.00$25.001/26/2010 4:08:14 PM
ProudGranny$25.00$25.001/26/2010 4:09:28 PM
all4beans$25.00$25.001/26/2010 4:09:36 PM
Cai8899$75.00$75.001/26/2010 4:00:21 PM
commerce-voyager$25.00$25.001/26/2010 4:02:47 PM
forthright-dedication$25.00$25.001/26/2010 4:10:12 PM
first-pragmatic-note$25.00$25.001/26/2010 4:02:55 PM
bowdish1$100.00$100.001/26/2010 4:00:46 PM
REVSTJ999$25.00$25.001/26/2010 4:10:58 PM
income-fortress$50.00$50.001/26/2010 4:03:35 PM
Syzygy$25.00$25.001/26/2010 4:03:52 PM
AF-Chief$35.00$35.001/26/2010 4:04:07 PM
peerlender$30.00$30.001/26/2010 4:01:36 PM
principal-prodigy$25.00$25.001/26/2010 4:11:23 PM
dharma1$25.00$25.001/26/2010 4:11:30 PM
auction-turbine4$25.00$25.001/26/2010 4:04:22 PM
CIC$25.00$25.001/26/2010 4:16:56 PM
rolandweary$30.00$30.001/26/2010 4:02:17 PM
FinDoc$25.00$25.001/26/2010 4:04:52 PM
wiselady$25.00$25.001/26/2010 4:02:32 PM
GElender$50.00$50.001/26/2010 4:05:23 PM
dontscrewmeover1$25.00$25.001/26/2010 4:20:16 PM
red-favorable-basis$25.00$25.001/26/2010 4:03:15 PM
supreme-hope$25.00$25.001/26/2010 4:03:56 PM
friendly-worth3$25.00$25.001/26/2010 4:04:39 PM
lazyeye$25.00$25.001/26/2010 4:04:45 PM
JKKCapital$25.00$25.001/26/2010 4:04:47 PM
cloud8$40.00$40.001/26/2010 4:05:30 PM
orange-finance-banker$50.00$50.001/26/2010 4:05:42 PM
kenji4861$25.00$25.001/26/2010 4:24:32 PM
spencer14883$25.00$25.001/26/2010 4:09:38 PM
a8h8a8$25.00$25.001/26/2010 4:06:40 PM
sflawya$25.00$25.001/26/2010 4:10:39 PM
LandE2BG$25.00$25.001/26/2010 4:08:15 PM
ATOHokie$25.00$25.001/26/2010 4:26:21 PM
lender987654321$25.00$25.001/26/2010 4:27:51 PM
NJournalist$25.00$25.001/26/2010 4:09:25 PM
cowboyskier$50.00$50.001/26/2010 4:09:41 PM
durability-halibut$25.00$25.001/26/2010 4:10:48 PM
wise-balanced-moola$25.00$25.001/26/2010 4:11:17 PM
lean-velocity$25.00$25.001/26/2010 4:24:42 PM
fiscal65$25.00$25.001/26/2010 4:35:01 PM
mtp$50.00$50.001/26/2010 4:35:13 PM
robot777$25.00$25.001/26/2010 4:35:21 PM
Borrow2Grow$51.00$51.001/26/2010 4:31:27 PM
top-silver-american$50.00$50.001/26/2010 4:31:30 PM
mister_waffle$25.00$25.001/26/2010 4:31:33 PM
systematic0$25.00$25.001/26/2010 4:35:00 PM
affert$50.00$50.001/26/2010 4:35:05 PM
availableloan$25.00$25.001/26/2010 4:34:04 PM
inforapenny$25.00$25.001/26/2010 4:34:13 PM
hope-encourager$25.00$25.001/26/2010 5:04:28 PM
jey6941$25.00$25.001/26/2010 4:35:03 PM
ekmendenhall$25.00$25.001/26/2010 4:35:10 PM
JohnBanks$25.00$25.001/26/2010 4:35:16 PM
investor_101$50.00$50.001/26/2010 4:35:23 PM
sociallender$25.00$25.001/26/2010 4:41:28 PM
4palmtrees$50.00$50.001/26/2010 5:09:50 PM
honorable-yield$75.00$75.001/26/2010 5:20:06 PM
friendly-market5$25.00$25.001/26/2010 4:45:31 PM
orbiter614$44.16$44.161/26/2010 5:11:53 PM
unk1911$25.00$25.001/26/2010 5:12:12 PM
dollar-high-five$50.00$50.001/26/2010 4:57:17 PM
18th_beachbum$25.00$25.001/26/2010 5:14:18 PM
inventive-wealth2$25.00$25.001/26/2010 5:14:22 PM
Dutchhunter$50.00$50.001/26/2010 5:15:21 PM
skillful-diversification2$25.00$25.001/26/2010 5:10:15 PM
Pasagam$25.00$25.001/26/2010 5:15:58 PM
mikeandcat$100.00$100.001/26/2010 5:17:05 PM
heroic-platinum$25.00$25.001/26/2010 5:17:10 PM
the-bright-velocity$25.00$25.001/26/2010 5:15:05 PM
majestic-dedication$50.00$50.001/26/2010 5:17:07 PM
NorthwestValue$25.00$25.001/26/2010 5:40:25 PM
Solomonsk5$25.00$25.001/26/2010 5:54:53 PM
neighborly-peso$25.00$25.001/26/2010 5:48:46 PM
first-upright-payout$50.00$50.001/26/2010 5:59:07 PM
exchange-battalion$30.00$30.001/26/2010 5:59:58 PM
VelcroDog$25.01$25.011/26/2010 5:51:13 PM
ferdberfel$50.00$50.001/26/2010 5:46:11 PM
repayment-launcher$25.00$25.001/26/2010 6:00:19 PM
DHolly$25.00$25.001/26/2010 5:50:03 PM
diplomatic-point4$75.00$75.001/26/2010 5:58:51 PM
industrious-dedication$25.00$25.001/26/2010 5:59:30 PM
mickeyll$100.00$100.001/26/2010 7:30:17 PM
red-trade-cologne$25.00$25.001/26/2010 6:01:16 PM
figs4u2$80.00$80.001/26/2010 6:01:19 PM
promiser200$25.00$25.001/26/2010 5:59:22 PM
klinebarger$25.00$25.001/26/2010 10:00:59 PM
spruce2$50.00$50.001/26/2010 10:01:04 PM
SDNLR$25.00$25.001/26/2010 10:03:48 PM
Ivan2007$25.00$25.001/26/2010 10:16:22 PM
dingus$25.00$25.001/26/2010 9:15:51 PM
awesome-benefit1$25.00$25.001/26/2010 6:47:49 PM
time4aloan$25.00$25.001/26/2010 10:01:02 PM
Fortuno_per_commodo$50.00$50.001/26/2010 10:01:16 PM
the-precious-bid$25.00$25.001/27/2010 6:11:12 AM
jbaum$47.89$47.891/26/2010 8:46:13 PM
orange-courageous-dedication$33.22$33.221/26/2010 10:01:03 PM
cash-blueberry$25.00$25.001/27/2010 4:25:32 AM
badgermom$25.00$25.001/27/2010 10:03:56 AM
gourd6$25.00$25.001/27/2010 9:09:10 AM
KiwiElf$29.13$29.131/27/2010 10:42:27 AM
knothead$25.00$25.001/27/2010 9:56:48 AM
charming-dime$50.00$50.001/27/2010 10:06:36 AM
cub510$25.00$25.001/27/2010 7:27:09 AM
highcountry1$25.00$25.001/27/2010 7:28:17 AM
philanthropik$25.00$25.001/27/2010 11:39:14 AM
medicneedshelp82$25.00$25.001/27/2010 10:42:31 AM
sentimental-euro$25.00$25.001/27/2010 10:49:45 AM
dollar-sunrise$200.00$200.001/27/2010 10:55:27 AM
applepie1$50.00$50.001/27/2010 12:26:06 PM
Sierralance$25.00$25.001/27/2010 1:04:12 PM
ryan23$25.00$25.001/27/2010 2:18:20 PM
OCedHrt$25.00$25.001/27/2010 2:18:30 PM
Speculator$50.00$50.001/27/2010 2:18:38 PM
BankofBen$35.99$35.991/27/2010 12:48:27 PM
grampy48$25.00$25.001/27/2010 2:34:09 PM
3_boyz$50.00$50.001/27/2010 1:36:29 PM
righteousone$100.00$100.001/27/2010 11:45:18 AM
worthy-bid4$25.00$25.001/27/2010 3:25:50 PM
DukSerduk$25.00$25.001/27/2010 11:56:12 AM
Mr_Money$25.00$25.001/27/2010 2:18:26 PM
Fearless_Lender$25.00$25.001/27/2010 2:18:34 PM
buukyak$25.00$25.001/27/2010 2:19:52 PM
portfolio-zone801$25.00$25.001/27/2010 12:33:50 PM
julijask$35.00$35.001/27/2010 2:04:58 PM
OldFriend$25.00$25.001/27/2010 2:18:28 PM
burgeoning-silver$25.00$25.001/27/2010 2:18:35 PM
DadWarbucks$25.00$25.001/27/2010 2:19:49 PM
eagle1271$35.00$35.001/27/2010 5:33:37 PM
bold-social-advantage$75.00$75.001/27/2010 6:23:25 PM
oaktown23$50.00$50.001/27/2010 11:23:15 PM
blot44$25.00$25.001/27/2010 8:57:58 PM
BullMkt$50.00$50.001/28/2010 8:30:51 AM
super505$25.00$25.001/28/2010 9:25:37 AM
Erileb$25.00$25.001/28/2010 9:28:31 AM
isfahanian$25.00$25.001/28/2010 9:26:22 AM
Pawnster$25.49$25.491/27/2010 9:17:38 PM
lowrate$25.00$25.001/28/2010 9:30:22 AM
greenwell$50.00$50.001/28/2010 9:31:46 AM
SKAGIT22$25.00$25.001/28/2010 7:12:24 AM
peace-samaritan4$25.00$25.001/28/2010 10:52:46 AM
Pizzaman49$25.00$25.001/28/2010 11:09:32 AM
Gar3field$50.00$50.001/28/2010 11:22:00 AM
BrLender$50.00$50.001/28/2010 9:25:39 AM
WilliamLeeSims$25.00$25.001/28/2010 9:30:48 AM
louisprima$44.51$44.511/28/2010 12:43:22 PM
julijask$35.00$35.001/28/2010 1:50:23 PM
flwah$25.00$25.001/28/2010 9:50:00 AM
ZerightGifts$200.00$200.001/28/2010 10:11:39 AM
TheSmartAtheist$25.00$25.001/28/2010 11:42:33 AM
WSTRDG$25.00$25.001/28/2010 1:35:31 PM
rulender$50.00$50.001/28/2010 1:45:15 PM
silver-concerto$25.00$25.001/28/2010 2:15:12 PM
worthy-bid4$25.00$25.001/28/2010 3:35:15 PM
unique-benjamins$100.00$100.001/28/2010 4:50:19 PM
cake7$25.00$25.001/28/2010 9:04:44 PM
KDW08$25.00$25.001/28/2010 9:02:17 PM
MasterKey$25.00$25.001/29/2010 2:49:50 AM
FourLeafKlover$25.00$25.001/28/2010 6:30:14 PM
discrete-asset$25.00$25.001/29/2010 6:54:47 AM
gracej$25.00$25.001/29/2010 8:11:25 AM
GrayStudio$50.00$50.001/29/2010 9:29:18 AM
moola-escalator$50.00$50.001/29/2010 9:36:20 AM
active-market$100.00$100.001/29/2010 9:36:50 AM
noble-revenue$100.00$100.001/29/2010 10:07:19 AM
boomer61$30.00$30.001/29/2010 4:50:19 AM
minista$25.00$25.001/29/2010 12:12:04 PM
trade-elm$25.00$25.001/29/2010 12:08:56 PM
payout-mongoose$25.00$25.001/29/2010 6:12:04 AM
ajk_blue$25.00$25.001/29/2010 12:12:18 PM
skillful-finance$25.00$25.001/29/2010 12:12:00 PM
SpectrumCapital$25.00$25.001/29/2010 12:45:59 PM
cashhelp$25.00$25.001/29/2010 12:46:32 PM
axelducheck$25.00$25.001/29/2010 1:11:58 PM
trade-trumpet$25.00$25.001/29/2010 9:36:08 AM
BlueProteus$25.00$25.001/29/2010 3:53:44 PM
Raetha$25.00$25.001/29/2010 10:38:36 AM
lanlie$3,320.06$3,320.061/29/2010 12:08:31 PM
MTGuy$50.00$50.001/29/2010 4:34:02 PM
lawyervon$25.00$25.001/29/2010 4:03:00 PM
Dollars4Rent$25.00$25.001/29/2010 4:52:17 PM
jralending$50.00$50.001/29/2010 8:05:20 PM
c03rc3$30.68$30.681/29/2010 9:46:19 PM
nikebootie$25.00$25.001/29/2010 10:02:00 PM
SpectrumFinance$25.00$25.001/30/2010 1:41:48 AM
PJSam75$66.25$66.251/29/2010 10:09:52 PM
nomad54$25.00$25.001/29/2010 11:26:09 PM
unadilla$50.00$50.001/30/2010 5:02:07 AM
Ven58$25.00$25.001/30/2010 7:07:16 AM
AEH_Now$25.00$25.001/30/2010 7:39:12 AM
sharp-credit$975.00$975.001/30/2010 7:33:36 AM
Havnfun$25.00$25.001/30/2010 8:39:00 AM
exact-peso2$25.00$25.001/30/2010 9:12:00 AM
Gold_Coin$25.00$25.001/30/2010 9:56:26 AM
br4444$25.00$25.001/30/2010 9:56:43 AM
Boatdrinks$25.00$25.001/29/2010 9:03:19 PM
libra926$50.00$22.381/29/2010 9:51:15 PM
markwms$25.00$25.001/30/2010 7:31:07 AM
enriching-payout$25.00$25.001/30/2010 7:46:06 AM
CaptainBlueberry$25.00$25.001/30/2010 9:17:47 AM
shellback13$25.00$25.001/30/2010 9:43:09 AM
Montgomery-Burns$25.00$25.001/30/2010 9:55:37 AM
twjh$35.00$35.001/30/2010 9:56:25 AM
411 bids
 
Borrower Payment Dependent Notes Series 444441
This series of Notes was issued and sold upon the funding of the borrower loan #40765, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Jan-27-2010 
  Auction end date:  Feb-03-2010 
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $315.68
Final lender yield: 7.50% Final borrower rate/APR: 8.50% / 8.84% Final monthly payment: $315.68
 
Auction yield range: 3.06% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.00%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1994 Debt/Income ratio: 14%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 7 / 5Length of status:6y 11m
Credit score: 820-839 (Jan-2010) Total credit lines: 21 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $1,169Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: LuckyLou Borrower's state: RhodeIsland 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: 45 ( 100% ) 820-839 (Latest)
Principal borrowed: $20,000.00< mo. late: 0 ( 0% )  
760-779 (Nov-2007)
760-779 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 45  
Description
Pay Off of Existing Line of Credit
I am using the loan towards the costs of subdividing a parcel (survey, legal fees).? The business includes seventeen rental properties now generating a positive net income return of about 15% / year.? My credit scores show my ability to manage the debt and I am using the prosper.com service for the?third time.? I have the ability to rely on a Line of Credit from a local bank at 11.0% and hope to achieve a better rate through Propser.??My income provided to Prosper is only from my full time employment as a Professional Engineer.? The income from the real estate on my tax return's?Schedule E?for 2009 is approximately $25,000.?

I am a lender and borrower on Prosper.? Please let me know if you have any?questions.? Thank you.
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)
lender987654321$30.00$30.001/27/2010 3:58:54 PM
DonaldColorado$25.00$25.001/27/2010 4:05:00 PM
Walkingcowboy$25.00$25.001/27/2010 4:28:15 PM
toblerone$50.00$50.001/27/2010 4:28:27 PM
wampum-optimization$50.00$50.001/27/2010 4:28:38 PM
Cai8899$75.00$75.001/27/2010 4:28:54 PM
market-builder$25.00$25.001/27/2010 4:29:03 PM
AFairDeal$25.00$25.001/27/2010 4:29:41 PM
kmr2$100.00$100.001/27/2010 4:29:47 PM
inspired-contract9$50.00$50.001/27/2010 4:27:58 PM
dollar-birdie$30.00$30.001/27/2010 4:30:40 PM
delicious-social132$25.00$25.001/27/2010 4:29:09 PM
bowdish1$100.00$100.001/27/2010 4:29:16 PM
kenji4861$25.00$25.001/27/2010 4:21:23 PM
red-favorable-basis$25.00$25.001/27/2010 4:31:21 PM
AF-Chief$35.00$35.001/27/2010 4:31:58 PM
rolandweary$30.00$30.001/27/2010 4:30:47 PM
alpinaut$25.00$25.001/27/2010 4:34:08 PM
friendly-worth3$25.00$25.001/27/2010 4:32:24 PM
desertoasis$25.00$25.001/27/2010 4:33:03 PM
wampum-reaction2$25.00$25.001/27/2010 4:33:17 PM
skuba$25.00$25.001/27/2010 4:33:26 PM
peerlender$30.00$30.001/27/2010 4:30:03 PM
commerce-web5$40.00$40.001/27/2010 4:30:22 PM
determined-contract$30.00$30.001/27/2010 4:30:31 PM
loan-master996$50.00$50.001/27/2010 4:32:17 PM
buckyhead2000$25.00$25.001/27/2010 4:33:11 PM
lloyd_s$25.00$25.001/27/2010 4:46:44 PM
credit-force5$25.00$25.001/27/2010 4:47:10 PM
LandE2BG$25.00$25.001/27/2010 4:34:12 PM
commerce-voyager$25.00$25.001/27/2010 4:34:48 PM
durability-halibut$25.00$25.001/27/2010 4:48:12 PM
meenan$25.00$25.001/27/2010 4:46:33 PM
zento$25.00$25.001/27/2010 5:04:31 PM
social-conductor4$25.00$25.001/27/2010 4:49:53 PM
ticklemaxx$25.00$25.001/27/2010 7:35:08 PM
kulender$30.00$30.001/27/2010 4:47:26 PM
MoneyForNothing$25.00$25.001/27/2010 4:55:48 PM
DHolly$25.00$25.001/28/2010 5:34:53 AM
aldenrains$25.00$25.001/28/2010 9:35:21 AM
wiselady$25.00$25.001/28/2010 9:36:48 AM
KiwiElf$30.00$30.001/28/2010 11:34:34 AM
springpanda$25.00$25.001/28/2010 11:53:06 AM
serene-truth2$25.00$25.001/28/2010 12:22:02 PM
saritha$25.00$25.001/28/2010 12:57:51 PM
Syzygy$25.00$25.001/28/2010 3:58:03 PM
rulender$50.00$50.001/28/2010 6:49:57 PM
mykkai$25.00$25.001/28/2010 6:49:59 PM
selector568$45.26$45.261/28/2010 8:42:23 PM
the-financier814$25.00$25.001/29/2010 3:22:10 AM
skvat$25.00$25.001/29/2010 4:42:59 AM
worthy-bid4$25.00$25.001/28/2010 7:14:17 PM
gracej$25.00$25.001/29/2010 8:11:32 AM
orange-finance-banker$25.00$25.001/29/2010 8:27:07 AM
Red4Golf$25.00$25.001/29/2010 8:56:42 AM
trade-trumpet$25.00$25.001/29/2010 9:36:03 AM
justice-financier$25.00$25.001/29/2010 9:37:03 AM
zski$25.00$25.001/29/2010 10:45:42 AM
CD_Lending$75.00$75.001/29/2010 12:01:57 PM
grampy48$25.00$25.001/29/2010 6:20:56 AM
JohnBanks$25.00$25.001/29/2010 12:53:38 PM
SDNLR$25.00$25.001/29/2010 2:07:07 PM
active-market$100.00$100.001/29/2010 9:36:46 AM
blooming-market$25.00$25.001/29/2010 5:41:31 PM
elasermd$50.00$50.001/30/2010 11:17:00 AM
Oakland$50.00$50.001/30/2010 6:30:55 AM
isfahanian$27.00$27.001/30/2010 5:19:44 PM
payontime1$50.00$50.001/30/2010 9:20:32 PM
roentgen$25.00$25.001/30/2010 10:46:30 AM
screenname03$25.00$25.001/31/2010 12:05:47 PM
Dollars4Rent$25.00$25.001/31/2010 2:31:16 PM
Zach842$25.00$25.001/30/2010 4:51:28 PM
flexible-value$25.00$25.001/31/2010 5:37:16 PM
Trimalchio12$25.00$25.001/31/2010 8:51:52 PM
Mr_Money$25.00$25.001/31/2010 11:42:53 AM
MM1207$25.00$25.001/31/2010 2:52:21 PM
wormdc$25.00$25.001/31/2010 3:10:52 PM
penny-zeus$25.00$25.002/1/2010 6:17:30 AM
30Sky$75.00$75.002/1/2010 7:22:38 AM
stoopidnoodle$25.00$25.002/1/2010 7:58:41 AM
market-socrates4$25.00$25.002/1/2010 9:36:01 AM
Headhunter14$25.00$25.002/1/2010 10:38:50 AM
microlendblvr$48.50$48.502/1/2010 10:39:17 AM
RedGranite$25.00$25.002/1/2010 10:39:02 AM
dsgfl1$25.00$25.002/1/2010 10:39:37 AM
Aberdeen$132.57$132.572/1/2010 11:41:42 AM
circustab$50.00$50.002/1/2010 7:49:02 AM
flwah$25.00$25.002/1/2010 12:16:41 PM
interest-friendship$50.00$50.002/1/2010 1:54:37 PM
bds9646$26.00$26.002/1/2010 9:38:29 AM
djs81$25.00$25.002/1/2010 2:02:30 PM
burgeoning-silver$25.00$25.002/1/2010 2:34:03 PM
red-trade-cologne$25.00$25.002/1/2010 2:34:12 PM
aasx1108$25.00$25.002/1/2010 2:34:15 PM
Reinadog9$50.00$50.002/1/2010 3:02:46 PM
unk1911$25.00$25.002/1/2010 2:34:29 PM
samo102us$25.00$25.002/1/2010 10:39:50 AM
portfolio-zone801$25.00$25.002/1/2010 12:29:29 PM
InvestmentFreak$35.00$35.002/1/2010 1:27:24 PM
Kaj$30.00$30.002/1/2010 2:33:58 PM
teller$60.00$60.002/1/2010 2:34:13 PM
majestic-dedication$50.00$50.002/1/2010 2:34:20 PM
barflyer$25.00$25.002/1/2010 5:30:46 PM
gsp1885$26.07$26.072/1/2010 11:01:26 PM
woodzon24z$25.00$25.002/1/2010 8:06:08 PM
CardCapDude$25.00$25.002/2/2010 9:36:22 AM
Aberdeen$300.00$300.002/2/2010 11:34:40 AM
greenwell$50.00$50.002/2/2010 12:06:44 PM
falcon245sp$25.00$25.002/2/2010 1:42:03 PM
nestegg4e$25.00$25.002/2/2010 12:25:36 PM
helping-out$25.00$25.002/2/2010 12:58:50 PM
springpanda$25.00$25.002/2/2010 2:48:42 PM
biffmush$250.00$250.002/2/2010 4:51:08 PM
starry2001$25.00$25.002/2/2010 7:42:41 PM
rate-hickory$50.00$50.002/3/2010 7:44:22 AM
BoutYeBank$50.00$50.002/3/2010 9:43:40 AM
credit-coach118$40.00$40.002/3/2010 10:29:43 AM
sprout1$50.00$50.002/3/2010 11:34:09 AM
mhotchan$200.00$200.002/2/2010 10:57:35 PM
Deut_15_6$25.00$25.002/3/2010 9:19:43 AM
steady-peace8$100.00$100.002/3/2010 1:22:09 PM
the-profit-oracle$25.00$25.002/3/2010 1:23:03 PM
wild-orange$25.00$25.002/3/2010 9:36:47 AM
poetic-economy$26.00$26.002/3/2010 9:42:22 AM
bamboozled_again$76.55$76.552/3/2010 10:14:49 AM
trade-elm$25.00$25.002/3/2010 3:21:56 PM
dbanwart$100.00$100.002/3/2010 12:18:22 PM
Rivermaverick$25.00$25.002/3/2010 1:23:15 PM
exchange-cub$25.00$25.002/3/2010 2:36:06 PM
sunny1985$25.00$25.002/3/2010 2:49:33 PM
first-pragmatic-note$25.00$25.001/27/2010 4:13:03 PM
thedoctor$100.00$100.001/27/2010 4:08:08 PM
lean-velocity$25.00$25.001/27/2010 4:21:34 PM
laredotornado$25.00$25.001/27/2010 4:29:57 PM
bchen78875$50.00$50.001/27/2010 4:27:47 PM
leodaguy$25.00$25.001/27/2010 4:28:07 PM
schpere$30.00$30.001/27/2010 4:28:44 PM
kanakakm$50.00$50.001/27/2010 4:30:55 PM
junctionking$25.00$25.001/27/2010 4:31:15 PM
dealarella$25.00$25.001/27/2010 4:29:27 PM
auction-elvis$25.00$25.001/27/2010 4:32:04 PM
auction-turbine4$25.00$25.001/27/2010 4:32:13 PM
GElender$50.00$50.001/27/2010 4:32:50 PM
mlopez2007$50.00$50.001/27/2010 4:29:35 PM
supreme-hope$25.00$25.001/27/2010 4:31:49 PM
Havana21$25.00$25.001/27/2010 4:32:41 PM
cash-sensai2$25.00$25.001/27/2010 4:46:12 PM
friendly-market5$25.00$25.001/27/2010 4:46:20 PM
forthright-dedication$25.00$25.001/27/2010 4:49:02 PM
exciting-responsibility3$25.00$25.001/27/2010 4:47:17 PM
DrMoneyBags$25.00$25.001/27/2010 4:48:09 PM
bold-ideal-benjamins$25.00$25.001/27/2010 5:15:13 PM
balance-voyager$100.00$100.001/27/2010 8:12:35 PM
personal-lender$25.00$25.001/27/2010 4:46:58 PM
inventive-wealth2$25.00$25.001/27/2010 4:47:59 PM
blot44$25.00$25.001/27/2010 8:53:00 PM
Mr_Marcus$50.00$50.001/27/2010 4:58:42 PM
Barky52$25.00$25.001/28/2010 6:24:12 AM
fireboss$25.00$25.001/27/2010 9:01:02 PM
theprince$25.00$25.001/27/2010 10:26:17 PM
greenback-floret$50.00$50.001/28/2010 9:36:31 AM
kindness-percolator5$25.00$25.001/28/2010 9:42:49 AM
honorable-yield$31.41$31.411/28/2010 8:00:18 AM
orbital-gain$50.00$50.001/28/2010 10:19:13 AM
mikeandcat$50.00$50.001/28/2010 11:49:02 AM
scoobiedoo$25.00$25.001/28/2010 12:30:11 PM
Cheburashka$30.00$30.001/28/2010 12:34:45 PM
UofCMaroon$30.00$30.001/28/2010 2:53:03 PM
WSTRDG$25.00$25.001/28/2010 1:35:19 PM
DukSerduk$25.00$25.001/28/2010 2:20:02 PM
all_of_that_one$25.00$25.001/28/2010 6:49:30 PM
Iza13$27.56$27.561/28/2010 8:05:02 PM
marinbb$50.00$34.411/28/2010 9:04:13 PM
Aeroman32$25.00$25.001/28/2010 10:11:41 PM
shadowflame_99$25.00$25.001/29/2010 5:52:20 AM
moola-escalator$50.00$50.001/29/2010 9:36:16 AM
tenacious-payout$25.00$25.001/29/2010 9:51:40 AM
wonderous-power$27.21$27.211/29/2010 5:12:16 AM
CaptainBlueberry$25.00$25.001/30/2010 9:17:40 AM
br4444$25.00$25.001/30/2010 9:56:37 AM
forrestgump$100.00$100.001/30/2010 8:49:53 AM
julijask$35.00$35.001/31/2010 4:24:46 PM
tallfund$75.00$75.001/30/2010 8:21:18 PM
highcountry1$25.00$25.001/31/2010 5:06:13 PM
restech$25.00$25.001/30/2010 10:31:05 PM
gold-commander0$50.00$50.001/31/2010 10:06:42 PM
ospreyusmc$25.00$25.001/31/2010 2:55:35 PM
nbhz60a$25.00$25.001/31/2010 3:34:13 PM
briphi$25.00$25.002/1/2010 7:54:20 AM
elegant-income3$25.00$25.002/1/2010 7:58:07 AM
Pasagam$25.00$25.002/1/2010 8:39:06 AM
verse99$25.00$25.002/1/2010 10:11:51 AM
Dutchhunter$50.00$50.002/1/2010 10:11:53 AM
econgineer$25.00$25.002/1/2010 10:35:25 AM
BayShell$50.00$50.002/1/2010 10:38:47 AM
buukyak$25.00$25.002/1/2010 12:29:55 AM
oceanwind1950$25.00$25.002/1/2010 10:39:53 AM
antlr$25.00$25.002/1/2010 10:39:11 AM
cash4less$25.00$25.002/1/2010 7:57:49 AM
CREnvy$25.00$25.002/1/2010 2:34:00 PM
AmericanCredit$25.00$25.002/1/2010 2:34:22 PM
nuclearmoose$25.00$25.002/1/2010 2:34:26 PM
decisive-marketplace3$25.00$25.002/1/2010 10:30:35 AM
diplomatic-point4$75.00$75.002/1/2010 10:39:15 AM
dharma1$25.00$25.002/1/2010 10:39:43 AM
Ivan2007$25.00$25.002/1/2010 11:31:43 AM
Aberdeen$300.00$300.002/1/2010 11:40:02 AM
figs4u2$80.00$80.002/1/2010 2:34:11 PM
balance6$25.00$25.002/1/2010 2:34:16 PM
poeman$25.00$25.002/1/2010 5:04:49 PM
mrreynol$25.00$25.002/1/2010 6:33:20 PM
dontscrewmeover1$25.00$25.002/1/2010 6:44:09 PM
rmpedi33$200.00$200.002/1/2010 7:34:24 PM
kchen486$25.00$25.002/1/2010 11:05:39 PM
head$25.00$25.002/1/2010 5:56:21 PM
Beachbum27$25.00$25.002/2/2010 7:36:19 AM
reinforced-reward$25.00$25.002/2/2010 8:07:48 AM
blissful-note7$25.00$25.002/2/2010 9:36:38 AM
TNG812$25.00$25.002/1/2010 8:44:40 PM
Hexnut$50.00$50.002/1/2010 10:57:05 PM
BigMoney56$25.00$25.002/2/2010 12:03:30 PM
newt999$25.00$25.002/2/2010 2:16:37 PM
bigbucksfunding$85.00$85.002/2/2010 2:30:44 PM
unequaled-loyalty7$25.00$25.002/2/2010 9:36:08 AM
nathanokla$50.00$50.002/2/2010 4:06:11 PM
Airbandit$45.26$45.262/2/2010 4:12:33 PM
hope-hickory$25.00$25.002/2/2010 5:07:39 PM
nhm$50.00$50.002/2/2010 4:35:11 PM
noble-revenue$100.00$100.002/2/2010 4:36:58 PM
OswegoUSA$28.67$28.672/2/2010 6:45:22 PM
jackdempsey$150.00$150.002/3/2010 2:46:22 AM
greenback-tower3$25.00$25.002/3/2010 9:39:57 AM
rmachi$25.00$25.002/3/2010 10:29:41 AM
ClearLake$25.00$25.002/2/2010 11:01:37 PM
VBPlayer$30.00$30.002/3/2010 12:52:21 PM
Personal-Bond$50.00$50.002/3/2010 12:24:23 PM
Jassi$25.00$25.002/3/2010 12:29:06 PM
martymaniaman$71.90$71.902/3/2010 6:07:28 AM
BoCo$25.00$25.002/3/2010 12:58:13 PM
surfsider123$25.00$25.002/3/2010 1:00:00 PM
mytime06$25.99$25.992/3/2010 6:45:00 AM
PotBellyPete$25.00$25.002/3/2010 1:27:44 PM
Sonihal$30.00$30.002/3/2010 1:46:18 PM
ashinvest$25.00$25.002/3/2010 1:12:03 PM
velocity-winner$25.00$25.002/3/2010 2:50:36 PM
b0b$25.00$25.002/3/2010 3:16:13 PM
fireinsp61$67.45$67.452/3/2010 10:55:50 AM
G-Love$140.83$140.832/3/2010 11:20:08 AM
arcite$66.36$66.362/3/2010 11:58:03 AM
worth-quark$25.00$25.002/3/2010 3:44:37 PM
250 bids
 
Borrower Payment Dependent Notes Series 444459
This series of Notes was issued and sold upon the funding of the borrower loan #40762, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Jan-27-2010 
  Auction end date:  Feb-03-2010 
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $315.68
Final lender yield: 7.45% Final borrower rate/APR: 8.45% / 8.79% Final monthly payment: $315.44
 
Auction yield range: 3.06% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.95%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: 10%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 9 / 8Length of status:3y 2m
Credit score: 840-859 (Jan-2010) Total credit lines: 24 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $10,400Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: justanotherdude Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Credit Card
Purpose of loan:
This loan will be used to pay off a high APR Discover Card(18%)

My financial situation:
I'm an Engineer with a stable, predictable income. We used this card to pay for my wife's college expenses since the rate was very low at that time. Recently they jacked up the rate to 18%, when the new credit card laws started to take shape. I'd much rather pay reasonable interest to you than to a greedy corporation.
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)
DonaldColorado$25.00$25.001/27/2010 4:04:58 PM
first-pragmatic-note$25.00$25.001/27/2010 4:13:01 PM
bchen78875$50.00$50.001/27/2010 4:27:49 PM
mlopez2007$50.00$50.001/27/2010 4:29:34 PM
laredotornado$25.00$25.001/27/2010 4:29:55 PM
thedoctor$90.00$90.001/27/2010 4:30:14 PM
kanakakm$50.00$50.001/27/2010 4:30:53 PM
kmr2$100.00$100.001/27/2010 4:29:46 PM
friendly-worth3$25.00$25.001/27/2010 4:32:23 PM
determined-contract$30.00$30.001/27/2010 4:30:30 PM
wampum-reaction2$25.00$25.001/27/2010 4:33:15 PM
LandE2BG$25.00$25.001/27/2010 4:34:12 PM
AF-Chief$35.00$35.001/27/2010 4:31:57 PM
leodaguy$25.00$25.001/27/2010 4:28:06 PM
toblerone$50.00$50.001/27/2010 4:28:25 PM
alpinaut$25.00$25.001/27/2010 4:34:07 PM
schpere$30.00$30.001/27/2010 4:28:43 PM
market-builder$25.00$25.001/27/2010 4:29:02 PM
bowdish1$100.00$100.001/27/2010 4:29:15 PM
junctionking$25.00$25.001/27/2010 4:31:14 PM
GElender$50.00$50.001/27/2010 4:32:51 PM
desertoasis$25.00$25.001/27/2010 4:33:02 PM
skuba$25.00$25.001/27/2010 4:33:24 PM
cash-sensai2$25.00$25.001/27/2010 4:46:14 PM
lloyd_s$25.00$25.001/27/2010 4:46:43 PM
personal-lender$25.00$25.001/27/2010 4:47:00 PM
credit-force5$25.00$25.001/27/2010 4:47:09 PM
kulender$30.00$30.001/27/2010 4:47:24 PM
inventive-wealth2$25.00$25.001/27/2010 4:47:57 PM
forthright-dedication$25.00$25.001/27/2010 4:49:01 PM
Aristocrat$25.00$25.001/27/2010 5:28:30 PM
blot44$50.00$50.001/27/2010 8:47:07 PM
friendly-market5$25.00$25.001/27/2010 4:46:19 PM
meenan$25.00$25.001/27/2010 4:46:31 PM
aldenrains$25.00$25.001/27/2010 4:47:45 PM
DrMoneyBags$25.00$25.001/27/2010 4:48:08 PM
NR$25.00$25.001/27/2010 9:37:15 PM
scoobiedoo$25.00$25.001/28/2010 12:30:10 PM
samo102us$25.00$25.001/28/2010 2:35:35 PM
orbital-gain$50.00$50.001/28/2010 10:19:12 AM
Syzygy$25.00$25.001/28/2010 3:58:30 PM
mikeandcat$69.00$69.001/28/2010 1:05:28 PM
WSTRDG$25.00$25.001/28/2010 1:35:18 PM
DukSerduk$25.00$25.001/28/2010 2:50:13 PM
all_of_that_one$25.00$25.001/28/2010 8:55:34 PM
shadowflame_99$25.00$25.001/29/2010 5:52:19 AM
gracej$25.00$25.001/29/2010 8:11:32 AM
active-market$100.00$100.001/29/2010 9:36:46 AM
SDNLR$25.00$25.001/29/2010 9:41:35 AM
BayShell$50.00$50.001/29/2010 1:20:44 PM
Oakland$50.00$50.001/30/2010 6:33:45 AM
blooming-market$25.00$25.001/29/2010 5:41:30 PM
CaptainBlueberry$25.00$25.001/30/2010 9:17:39 AM
br4444$25.00$25.001/30/2010 9:56:37 AM
roentgen$25.00$25.001/30/2010 10:46:29 AM
Zach842$25.00$25.001/30/2010 4:51:27 PM
Cherrypicker$50.00$50.001/30/2010 8:13:52 PM
restech$25.00$25.001/30/2010 10:31:04 PM
Dollars4Rent$25.00$25.001/31/2010 2:32:21 PM
MM1207$25.00$25.001/31/2010 2:52:20 PM
wormdc$25.00$25.001/31/2010 3:10:51 PM
rulender$50.00$50.001/31/2010 4:24:25 PM
highcountry1$25.00$25.001/31/2010 5:37:38 PM
retiresecure$50.00$50.001/31/2010 7:25:32 AM
gold-commander0$50.00$50.001/31/2010 10:06:41 PM
RedGranite$25.00$25.002/1/2010 7:57:23 AM
microlendblvr$48.28$48.282/1/2010 7:58:10 AM
d3global$25.00$25.002/1/2010 7:57:58 AM
Pasagam$25.00$25.002/1/2010 8:39:05 AM
bds9646$26.00$26.002/1/2010 9:38:28 AM
dpfl55$25.00$25.002/1/2010 10:30:52 AM
Loanliness$25.00$25.002/1/2010 10:30:55 AM
newest-unique-integrity$25.00$25.002/1/2010 10:30:58 AM
kginatl$25.00$25.002/1/2010 10:30:59 AM
bonus-patriot$25.00$25.002/1/2010 10:35:30 AM
medicneedshelp82$25.00$25.002/1/2010 10:36:00 AM
wdove511$25.00$25.002/1/2010 10:30:42 AM
spruce2$50.00$50.002/1/2010 10:37:10 AM
Astounding$25.00$25.002/1/2010 10:35:42 AM
USMC0311$25.00$25.002/1/2010 10:36:09 AM
red-trade-cologne$25.00$25.002/1/2010 10:37:57 AM
CREnvy$25.00$25.002/1/2010 10:36:43 AM
tisgro$25.00$25.002/1/2010 10:36:51 AM
BillW$25.00$25.002/1/2010 10:36:58 AM
mykkai$25.00$25.002/1/2010 10:37:55 AM
REVSTJ999$25.00$25.002/1/2010 10:39:45 AM
RockCrown$25.00$25.002/1/2010 10:38:27 AM
orange-finance-banker$50.00$50.002/1/2010 10:38:31 AM
the-aggresive-principal$25.00$25.002/1/2010 10:38:39 AM
stoopidnoodle$25.00$25.002/1/2010 5:56:50 AM
guardlender$25.00$25.002/1/2010 10:58:33 AM
30Sky$75.00$75.002/1/2010 7:22:37 AM
andyb9$25.00$25.002/1/2010 12:15:46 PM
antlr$25.00$25.002/1/2010 7:57:45 AM
portfolio-zone801$25.00$25.002/1/2010 12:29:28 PM
dharma1$25.00$25.002/1/2010 7:58:51 AM
the-bright-velocity$25.00$25.002/1/2010 12:43:18 PM
industrious-dedication$25.00$25.002/1/2010 2:34:06 PM
exchange-cub$25.00$25.002/1/2010 10:11:01 AM
selector568$400.00$400.002/1/2010 10:25:23 AM
the-repayment-treaty$25.00$25.002/1/2010 2:33:42 PM
Fearless_Lender$25.00$25.002/1/2010 2:33:59 PM
promiser200$25.00$25.002/1/2010 2:34:05 PM
green-benefit-enclave$25.00$25.002/1/2010 2:34:14 PM
ryan23$25.00$25.002/1/2010 2:34:27 PM
codingbuddy$25.00$25.002/1/2010 2:34:43 PM
nickel-eagle5$25.00$25.002/1/2010 10:35:34 AM
Sierralance$25.00$25.002/1/2010 10:36:37 AM
rooosta$25.00$25.002/1/2010 10:37:08 AM
balance6$25.00$25.002/1/2010 10:38:26 AM
AmericanCredit$25.00$25.002/1/2010 10:39:41 AM
unk1911$25.00$25.002/1/2010 10:58:22 AM
DeltaComputerGuy$25.00$25.002/1/2010 11:17:54 AM
Jack1966$25.00$25.002/1/2010 11:47:00 AM
ccclaireee333$25.00$25.002/1/2010 2:27:43 PM
coup173$25.00$25.002/1/2010 2:28:12 PM
Fortuno_per_commodo$50.00$50.002/1/2010 2:34:04 PM
intrepid-transaction5$25.00$25.002/1/2010 2:34:09 PM
head$25.00$25.002/1/2010 5:56:22 PM
dontscrewmeover1$25.00$25.002/1/2010 6:39:46 PM
poeman$25.00$25.002/1/2010 5:04:47 PM
Beachbum27$25.00$25.002/2/2010 7:36:17 AM
unequaled-loyalty7$25.00$25.002/2/2010 9:36:07 AM
blissful-note7$25.00$25.002/2/2010 9:36:38 AM
falcon245sp$25.00$25.002/2/2010 1:42:02 PM
CardCapDude$25.00$25.002/2/2010 9:36:22 AM
BigMoney56$25.00$25.002/2/2010 12:03:29 PM
flexible-value$25.00$25.002/2/2010 4:36:55 PM
scholarly-integrity$25.00$25.002/2/2010 4:37:39 PM
hope-hickory$25.00$25.002/2/2010 5:07:37 PM
marala4285$25.00$25.002/2/2010 8:08:07 PM
tender-ore$25.00$25.002/2/2010 9:26:57 PM
oldscratch72$25.00$25.002/2/2010 11:37:29 PM
catalystcf$25.00$25.002/2/2010 6:35:29 PM
Daubertoo$50.00$50.002/3/2010 10:55:28 AM
surfsider123$25.00$25.002/3/2010 1:00:33 PM
mikeandcat$31.00$31.002/3/2010 12:31:14 PM
steady-peace8$100.00$100.002/3/2010 1:23:02 PM
worthy-bid4$45.00$45.002/3/2010 1:47:27 PM
b0b$25.00$25.002/3/2010 3:17:17 PM
worth-quark$25.00$25.002/3/2010 3:45:13 PM
ore-dojo$200.00$200.002/3/2010 1:06:33 PM
kenji4861$25.00$25.001/27/2010 4:21:22 PM
delicious-social132$25.00$25.001/27/2010 4:29:09 PM
dealarella$25.00$25.001/27/2010 4:29:27 PM
peerlender$30.00$30.001/27/2010 4:30:02 PM
commerce-web5$40.00$40.001/27/2010 4:30:21 PM
Walkingcowboy$25.00$25.001/27/2010 4:28:14 PM
lean-velocity$25.00$25.001/27/2010 4:21:33 PM
supreme-hope$25.00$25.001/27/2010 4:31:48 PM
AFairDeal$25.00$25.001/27/2010 4:29:40 PM
auction-turbine4$25.00$25.001/27/2010 4:32:12 PM
loan-master996$50.00$50.001/27/2010 4:32:16 PM
dollar-birdie$30.00$30.001/27/2010 4:30:39 PM
commerce-voyager$25.00$25.001/27/2010 4:31:09 PM
auction-elvis$25.00$25.001/27/2010 4:32:04 PM
Havana21$25.00$25.001/27/2010 4:32:38 PM
inspired-contract9$50.00$50.001/27/2010 4:27:58 PM
wampum-optimization$50.00$50.001/27/2010 4:28:38 PM
Cai8899$75.00$75.001/27/2010 4:28:56 PM
rolandweary$30.00$30.001/27/2010 4:30:46 PM
red-favorable-basis$25.00$25.001/27/2010 4:31:22 PM
buckyhead2000$25.00$25.001/27/2010 4:33:12 PM
Mr_Marcus$50.00$50.001/27/2010 4:58:41 PM
durability-halibut$25.00$25.001/27/2010 4:48:12 PM
fireboss$25.00$25.001/27/2010 9:00:58 PM
exciting-responsibility3$25.00$25.001/27/2010 4:47:16 PM
theprince$25.00$25.001/27/2010 10:26:16 PM
wiselady$25.00$25.001/27/2010 10:43:41 PM
social-conductor4$25.00$25.001/27/2010 4:49:53 PM
bold-ideal-benjamins$25.00$25.001/27/2010 5:15:12 PM
MiniBank998$25.00$25.001/28/2010 8:12:15 AM
ticklemaxx$25.00$25.001/27/2010 7:35:06 PM
balance-voyager$100.00$100.001/27/2010 8:12:34 PM
elegant-income3$25.00$25.001/28/2010 9:35:24 AM
KiwiElf$30.00$30.001/28/2010 11:34:35 AM
springpanda$25.00$25.001/28/2010 11:55:36 AM
saritha$25.00$25.001/28/2010 12:57:50 PM
honorable-yield$75.00$75.001/28/2010 9:37:11 AM
kindness-percolator5$25.00$25.001/28/2010 9:42:49 AM
worthy-bid4$50.00$50.001/28/2010 4:04:03 PM
Cheburashka$30.00$30.001/28/2010 12:34:44 PM
the-financier814$25.00$25.001/29/2010 3:22:13 AM
Red4Golf$25.00$25.001/29/2010 8:56:44 AM
trade-trumpet$25.00$25.001/29/2010 9:36:02 AM
moola-escalator$50.00$50.001/29/2010 9:36:16 AM
decisive-marketplace3$25.00$25.001/29/2010 9:36:28 AM
justice-financier$25.00$25.001/29/2010 9:37:02 AM
briphi$50.00$50.001/29/2010 9:37:12 AM
Aeroman32$25.00$25.001/28/2010 10:11:40 PM
skvat$25.00$25.001/29/2010 4:42:58 AM
grampy48$25.00$25.001/29/2010 6:20:57 AM
JohnBanks$25.00$25.001/29/2010 12:53:37 PM
Headhunter14$25.00$25.001/29/2010 2:02:27 PM
zski$25.00$25.001/29/2010 10:45:42 AM
Mr_Money$25.00$25.001/30/2010 7:42:37 AM
velocity-onator$25.00$25.001/30/2010 9:42:41 AM
Kelor99$25.00$25.001/30/2010 5:44:41 PM
elasermd$50.00$50.001/30/2010 11:17:01 AM
screenname03$25.00$25.001/31/2010 12:05:48 PM
nbhz60a$25.00$25.001/31/2010 3:34:12 PM
julijask$35.00$35.001/31/2010 5:37:22 PM
Trimalchio12$25.00$25.001/31/2010 1:42:19 PM
penny-zeus$25.00$25.002/1/2010 6:17:29 AM
cash4less$25.00$25.002/1/2010 7:57:49 AM
verse99$25.00$25.002/1/2010 7:58:06 AM
Dutchhunter$50.00$50.002/1/2010 7:58:42 AM
oceanwind1950$25.00$25.002/1/2010 8:53:20 AM
meoweo$25.00$25.002/1/2010 10:30:54 AM
the-persistent-reward$25.00$25.002/1/2010 10:30:56 AM
helping-out$25.00$25.002/1/2010 10:30:58 AM
cash-queen$25.00$25.002/1/2010 10:35:36 AM
midwestSurfer$25.00$25.002/1/2010 10:35:57 AM
vigilance-accruer$25.00$25.002/1/2010 10:36:13 AM
Philosonie$25.00$25.002/1/2010 10:36:23 AM
kirkjerk$25.00$25.002/1/2010 10:30:53 AM
Ivan2007$25.00$25.002/1/2010 10:37:23 AM
hope-encourager$25.00$25.002/1/2010 10:35:44 AM
gciarami$25.00$25.002/1/2010 10:38:36 AM
Tai$25.00$25.002/1/2010 10:36:56 AM
figs4u2$80.00$80.002/1/2010 10:37:52 AM
natmonkey$25.00$25.002/1/2010 10:38:00 AM
CaptPicard$25.00$25.002/1/2010 10:58:34 AM
iolaire$25.00$25.002/1/2010 10:40:04 AM
johntina$26.09$26.092/1/2010 11:17:51 AM
jjb3$25.00$25.002/1/2010 11:31:41 AM
jd006006$40.00$40.002/1/2010 11:47:03 AM
diplomatic-point4$68.92$68.922/1/2010 7:58:09 AM
dsgfl1$25.00$25.002/1/2010 7:58:31 AM
lucrative-worth$25.00$25.002/1/2010 12:29:27 PM
InvestmentFreak$35.00$35.002/1/2010 1:27:24 PM
djs81$25.00$25.002/1/2010 2:02:31 PM
market-socrates4$25.00$25.002/1/2010 9:36:00 AM
ChewyAXE$40.00$40.002/1/2010 2:27:43 PM
bill-expert$25.00$25.002/1/2010 2:34:05 PM
allamerathlete$25.00$25.002/1/2010 2:27:07 PM
gulch$35.00$35.002/1/2010 2:34:08 PM
heroic-platinum$25.00$25.002/1/2010 2:34:14 PM
financial-frenzy$25.00$25.002/1/2010 2:34:17 PM
km007$25.00$25.002/1/2010 2:34:30 PM
buukyak$25.00$25.002/1/2010 2:33:44 PM
freefly67$25.00$25.002/1/2010 2:34:02 PM
first-upright-payout$50.00$50.002/1/2010 2:34:08 PM
faithey$25.00$25.002/1/2010 2:34:28 PM
maple1$25.00$25.002/1/2010 2:34:36 PM
martinatime$25.00$25.002/1/2010 10:36:21 AM
Kaj$30.00$30.002/1/2010 10:36:29 AM
the-money-gargantuan$25.00$25.002/1/2010 10:36:44 AM
burgeoning-silver$25.00$25.002/1/2010 10:37:15 AM
teller$41.81$41.812/1/2010 10:38:08 AM
aasx1108$25.00$25.002/1/2010 10:38:25 AM
majestic-dedication$50.00$50.002/1/2010 10:38:34 AM
galtsgulch$25.00$25.002/1/2010 10:38:46 AM
pnace$25.00$25.002/1/2010 2:28:06 PM
deal_maker78$250.00$250.002/1/2010 2:33:26 PM
driver928$25.00$25.002/1/2010 2:34:01 PM
18th_beachbum$25.00$25.002/1/2010 2:34:07 PM
dma1206$25.00$25.002/1/2010 2:34:38 PM
trustedfriend$25.00$25.002/1/2010 2:34:42 PM
copperfield$25.00$25.002/1/2010 2:34:46 PM
Reinadog9$50.00$50.002/1/2010 3:02:45 PM
Hexnut$50.00$50.002/1/2010 10:57:05 PM
Pickmar$25.00$25.002/2/2010 11:35:13 AM
kchen486$25.00$25.002/1/2010 11:05:38 PM
nestegg4e$25.00$25.002/2/2010 12:25:36 PM
reinforced-reward$25.00$25.002/2/2010 8:07:49 AM
friendinmoney$50.00$50.002/2/2010 3:05:02 PM
wishlist$50.00$50.002/2/2010 9:55:07 AM
nathanokla$50.00$50.002/2/2010 3:55:40 PM
nuclearmoose$25.00$25.002/2/2010 4:38:48 PM
greenwell$50.00$50.002/2/2010 4:48:20 PM
octoberfresh$25.00$25.002/2/2010 7:02:32 PM
nbah123$50.00$50.002/2/2010 9:44:00 PM
jackdempsey$150.00$150.002/3/2010 2:43:50 AM
rate-hickory$50.00$50.002/3/2010 7:45:10 AM
JedClampett$75.00$18.902/3/2010 9:33:29 AM
wild-orange$25.00$25.002/3/2010 9:38:31 AM
the-profit-oracle$25.00$25.002/3/2010 1:22:36 PM
PalmerTheEmbalmer$25.00$25.002/3/2010 3:20:20 PM
biffmush$250.00$250.002/3/2010 3:56:58 PM
John_14_6$25.00$25.002/3/2010 10:50:38 AM
velocity-winner$25.00$25.002/3/2010 2:48:40 PM
282 bids
 
Borrower Payment Dependent Notes Series 444485
This series of Notes was issued and sold upon the funding of the borrower loan #40768, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Jan-29-2010 
  Auction end date:  Feb-05-2010 
 
Starting lender yield: 14.05% Starting borrower rate/APR: 15.05% / 17.22% Starting monthly payment: $346.90
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $346.65
 
Auction yield range: 6.06% - 14.05% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.76%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1990 Debt/Income ratio: 34%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 12 / 7Length of status:2y 11m
Credit score: 740-759 (Jan-2010) Total credit lines: 32 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $16,950Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: the-punctual-deal Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying credit cards and unexpected
Purpose of loan.

Pay credit cards.

My financial situation:
I pay my bills on time and have never been late.? My debt is not from shopping, vacations, or a lot of frivolous spending.
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: Could you tell us more about your financial situation such as net monthly and total monthly expenses broken down? Also, you said what your current debt was NOT from, but will you tell us what it IS from? Thanks - one-midas
A: Let's see...helping out with 2 sick parents. My monthly credit card payments are approximately $650. I net about $3,000. I also try to give a little each paycheck to my mom who cannot work right now. As for me, I am a very private person who believes in paying her debts and on time. The money I am asking for will not wipe out my debt, but it will make a situation less stressful. I have a truck in my name along with my husband, but I do not pay any of the debt. He also pays the mortgage. (Jan-31-2010)
Q: hi, what is your husband's income and please confirm he can/will help out with this loan, thanks - shrewd-income
A: Respectfully, my husband is not apart of this loan so I rather not divulge his income. I will say that my husband will contribute to my ability to pay this loan if necessary. (Feb-05-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
wampum-proton$25.00$25.001/29/2010 4:27:01 PM
lowrate$25.00$25.001/29/2010 4:27:03 PM
Chuck9802$25.00$25.001/29/2010 4:27:51 PM
PatRichi$25.00$25.001/29/2010 4:28:03 PM
jgar_O$25.00$25.001/29/2010 4:28:00 PM
trade-trumpet$25.00$25.001/29/2010 4:28:55 PM
BigMoney56$25.00$25.001/29/2010 4:28:52 PM
davidmlucas$25.00$25.001/29/2010 4:29:06 PM
lounges$25.00$25.001/29/2010 4:29:54 PM
RyuRabbit$25.00$25.001/29/2010 4:33:30 PM
ccaxid57$25.00$25.001/29/2010 4:33:42 PM
bigdogsafety1$25.00$25.001/29/2010 4:33:49 PM
vb3jmg$25.00$25.001/29/2010 4:33:52 PM
Havana21$25.00$25.001/29/2010 4:33:56 PM
rosario1$25.00$25.001/29/2010 4:32:57 PM
JanLal$25.00$25.001/29/2010 4:33:01 PM
dunox$25.00$25.001/29/2010 4:34:32 PM
cu2maro$25.00$25.001/29/2010 4:33:40 PM
carlover$25.00$25.001/29/2010 4:35:04 PM
AF-Chief$35.00$35.001/29/2010 4:36:07 PM
DRA-Properties$25.00$25.001/29/2010 4:38:10 PM
first-fund-empenada$25.00$25.001/29/2010 4:38:27 PM
cash-queen$30.00$30.001/29/2010 4:38:42 PM
Hexamond$25.00$25.001/29/2010 4:39:09 PM
smurf163$25.00$25.001/29/2010 4:37:39 PM
nourishing-interest0$25.00$25.001/29/2010 4:39:28 PM
miked8303$25.00$25.001/29/2010 4:38:18 PM
mdreiss$25.00$25.001/29/2010 4:38:40 PM
billyisafob$25.00$25.001/29/2010 4:40:11 PM
snappy$50.00$50.001/29/2010 4:38:47 PM
Woodworker57$25.00$25.001/29/2010 4:40:14 PM
Montello$25.00$25.001/29/2010 4:40:18 PM
TennSquire$25.00$25.001/29/2010 4:39:05 PM
gethsemane4$25.00$25.001/29/2010 4:40:33 PM
supreme-bonus0$25.00$25.001/29/2010 4:40:34 PM
the-aggresive-principal$25.00$25.001/29/2010 4:39:32 PM
forthright-dedication$50.00$50.001/29/2010 4:40:51 PM
bigphish$25.00$25.001/29/2010 4:39:51 PM
digitalrinaldo$25.00$25.001/29/2010 4:41:23 PM
enthusiastic-balance5$100.00$100.001/29/2010 4:40:28 PM
momentous-velocity$25.00$25.001/29/2010 4:42:08 PM
BBall_Mom$25.00$25.001/29/2010 4:41:11 PM
kain11286$25.00$25.001/29/2010 4:41:20 PM
Weaverville$25.00$25.001/29/2010 4:41:25 PM
thevogelfamily$40.00$40.001/29/2010 4:41:29 PM
Fortuno_per_commodo$25.00$25.001/29/2010 4:42:41 PM
tlp43$25.00$25.001/29/2010 4:42:46 PM
Aeroman32$25.00$25.001/29/2010 4:42:57 PM
jdrez$25.00$25.001/29/2010 4:43:02 PM
Lilred7879$50.00$50.001/29/2010 4:43:14 PM
Diamond_Jim$25.00$25.001/29/2010 4:43:32 PM
life-is-great$25.00$25.001/29/2010 4:42:14 PM
personal-lender$25.00$25.001/29/2010 4:43:47 PM
Banker7371$25.00$25.001/29/2010 4:43:53 PM
enigmallc$25.00$25.001/29/2010 4:27:06 PM
commerce-voyager$25.00$25.001/29/2010 4:42:36 PM
astute-dollar$100.00$100.001/29/2010 4:42:51 PM
delicious-social132$25.00$25.001/29/2010 4:44:23 PM
grampy48$25.00$25.001/29/2010 4:27:47 PM
red-favorable-basis$25.00$25.001/29/2010 4:44:33 PM
important-ore$50.00$50.001/29/2010 4:44:44 PM
elevated-platinum5$50.00$50.001/29/2010 4:44:51 PM
orange-courageous-dedication$30.00$30.001/29/2010 4:43:38 PM
Superc0ld$33.51$33.511/29/2010 4:45:08 PM
blooming-dedication$50.00$50.001/29/2010 4:43:44 PM
dollar-birdie$25.00$25.001/29/2010 4:45:23 PM
wise-extraordinary-loot$30.00$30.001/29/2010 4:44:06 PM
skobos8225$25.00$25.001/29/2010 4:45:29 PM
orange-preeminant-bill$100.00$100.001/29/2010 4:44:18 PM
jrbill1998$50.00$50.001/29/2010 4:45:40 PM
Artist_Blue$25.00$25.001/29/2010 4:44:21 PM
tedsrfdude$25.00$25.001/29/2010 4:45:49 PM
OldFriend$25.00$25.001/29/2010 4:45:54 PM
Gibbyland$75.00$75.001/29/2010 4:44:47 PM
impeccable-transparency$75.00$75.001/29/2010 4:44:54 PM
intrepid-transaction5$25.00$25.001/29/2010 4:44:57 PM
punctual-power7$25.00$25.001/29/2010 4:46:22 PM
loan-warrior$25.00$25.001/29/2010 4:45:21 PM
enb3$25.00$25.001/29/2010 4:45:38 PM
gentle-note$25.00$25.001/29/2010 4:45:44 PM
elephantparty$25.00$25.001/29/2010 4:45:48 PM
Beverly_Hills_Lender$25.00$25.001/29/2010 4:46:02 PM
bold-principal-thinker$25.00$25.001/29/2010 4:46:07 PM
paymentologist$25.00$25.001/29/2010 4:46:12 PM
aasx1108$25.00$25.001/29/2010 4:46:20 PM
Pizza-man$50.00$39.711/29/2010 4:46:23 PM
snoyberg$25.00$25.001/29/2010 4:32:28 PM
andlifegoeson$25.00$25.001/29/2010 4:32:41 PM
next2$25.00$25.001/29/2010 4:32:44 PM
gracej$25.00$25.001/29/2010 4:32:48 PM
CDEP79$25.00$25.001/29/2010 4:33:04 PM
rsb906$25.00$25.001/29/2010 4:33:10 PM
Philkent$50.00$50.001/29/2010 4:33:26 PM
aurorafinancial$50.00$50.001/29/2010 4:33:38 PM
cognizant-rate732$50.00$50.001/29/2010 4:35:55 PM
Aquani$50.00$50.001/29/2010 4:37:47 PM
WillyBobba$25.00$25.001/29/2010 4:38:15 PM
arcangel72$25.00$25.001/29/2010 4:38:43 PM
intently$25.00$25.001/29/2010 4:38:52 PM
sweepeet$25.00$25.001/29/2010 4:39:26 PM
head$25.00$25.001/29/2010 4:39:35 PM
treasure-bliss$100.00$100.001/29/2010 4:39:41 PM
capital_gains$25.00$25.001/29/2010 4:40:04 PM
currency-agave$25.00$25.001/29/2010 4:40:07 PM
Jdogg98$25.00$25.001/29/2010 4:40:22 PM
loanfairy$25.00$25.001/29/2010 4:41:31 PM
principal-kung-fu$25.00$25.001/29/2010 4:41:34 PM
BumblingStunmbling$25.00$25.001/29/2010 4:42:06 PM
blooming-market$25.00$25.001/29/2010 4:42:23 PM
auction-turbine4$25.00$25.001/29/2010 4:43:08 PM
exact-loan5$25.00$25.001/29/2010 4:43:41 PM
value-pole$25.00$25.001/29/2010 4:44:03 PM
Syzygy$25.00$25.001/29/2010 4:44:15 PM
supreme-hope$25.00$25.001/29/2010 4:44:26 PM
Speculator$50.00$50.001/29/2010 4:44:29 PM
Rob717171$25.00$25.001/29/2010 4:44:31 PM
ghinga$50.00$50.001/29/2010 4:44:38 PM
GElender$50.00$50.001/29/2010 4:45:00 PM
yield-hero4$25.00$25.001/29/2010 4:45:27 PM
pledge0$25.00$25.001/29/2010 4:45:33 PM
selector568$46.03$46.031/29/2010 4:48:20 PM
b094$25.00$25.001/30/2010 12:00:21 AM
rdrloan$25.00$25.001/31/2010 2:42:31 PM
rmpedi33$150.00$150.002/1/2010 7:35:04 PM
enthusiastic-point$50.00$50.002/2/2010 8:52:37 AM
cutter21$25.00$25.002/2/2010 1:42:30 PM
biffmush$250.00$250.002/2/2010 4:54:01 PM
intelligent-yield$25.00$25.002/2/2010 5:50:50 PM
KingCroesus$25.00$25.002/3/2010 1:05:42 AM
BR-549$25.00$25.002/3/2010 4:44:27 AM
Bob450$50.00$50.002/3/2010 12:21:56 PM
JustMee$25.00$25.002/3/2010 6:35:25 AM
Rick7925$25.00$25.002/3/2010 2:57:16 PM
woodslip$25.00$25.002/3/2010 3:47:14 PM
IceFisherman$45.19$45.192/3/2010 4:39:02 PM
blissful-note7$25.00$25.002/3/2010 7:58:00 PM
Your_Bank$25.00$25.002/3/2010 7:07:33 PM
charming-dime$25.00$25.002/3/2010 11:31:04 PM
redrose1518$25.00$25.002/4/2010 11:41:53 AM
Jiangtao$25.00$25.002/4/2010 2:17:24 PM
BrighterSuns$25.00$25.002/4/2010 5:17:18 PM
acn$25.00$25.002/4/2010 8:03:00 PM
ProudDad$50.00$50.002/4/2010 10:43:49 PM
TommyTucker$28.75$28.752/5/2010 5:33:39 AM
jtoms101$25.00$25.002/5/2010 5:23:20 AM
cocobear$25.00$25.002/5/2010 8:51:10 AM
Dskillz$27.51$27.512/5/2010 8:00:13 AM
flexible-value$25.00$25.001/29/2010 4:26:47 PM
fireboss$100.00$100.001/29/2010 4:27:58 PM
Red4Golf$25.00$25.001/29/2010 4:27:55 PM
smart-return$25.00$25.001/29/2010 4:30:40 PM
araherna$25.00$25.001/29/2010 4:32:24 PM
GlobalVisionary$25.00$25.001/29/2010 4:32:34 PM
deal-baron$25.00$25.001/29/2010 4:32:46 PM
movistar$25.00$25.001/29/2010 4:32:53 PM
coin-awakening$26.50$26.501/29/2010 4:33:12 PM
vfrdirk$25.00$25.001/29/2010 4:33:37 PM
paba_shaba$25.00$25.001/29/2010 4:32:27 PM
cardan97$25.00$25.001/29/2010 4:32:30 PM
CarlC$25.00$25.001/29/2010 4:32:37 PM
ChicagoBoyz$25.00$25.001/29/2010 4:33:15 PM
hanuman77$37.01$37.011/29/2010 4:34:24 PM
MarinLoans$50.00$50.001/29/2010 4:33:33 PM
new-honorable-rate$25.00$25.001/29/2010 4:33:58 PM
desertoasis$25.00$25.001/29/2010 4:35:48 PM
xphile$25.00$25.001/29/2010 4:35:32 PM
investment-comet$25.00$25.001/29/2010 4:37:50 PM
cvfriend$25.00$25.001/29/2010 4:39:07 PM
firsttouch1$200.00$200.001/29/2010 4:39:30 PM
burgeoning-silver$25.00$25.001/29/2010 4:38:01 PM
KgBsUcKa$25.00$25.001/29/2010 4:39:57 PM
LandE2BG$25.00$25.001/29/2010 4:38:56 PM
macjp123$25.00$25.001/29/2010 4:39:02 PM
wampum-reaction2$25.00$25.001/29/2010 4:40:37 PM
livingaloha$25.00$25.001/29/2010 4:40:40 PM
orgy63$25.00$25.001/29/2010 4:41:09 PM
mpatrick$50.00$50.001/29/2010 4:41:15 PM
mikepat55$25.00$25.001/29/2010 4:40:01 PM
LiquidLender$25.00$25.001/29/2010 4:41:51 PM
progressive-asset$100.00$100.001/29/2010 4:41:59 PM
fxtrader$25.00$25.001/29/2010 4:42:13 PM
credit-solstice$25.00$25.001/29/2010 4:42:25 PM
DLock99$25.00$25.001/29/2010 4:42:30 PM
durability-halibut$25.00$25.001/29/2010 4:41:57 PM
harperpotok$100.00$100.001/29/2010 4:43:00 PM
credit-force5$25.00$25.001/29/2010 4:42:01 PM
THREE-POINTS-LENDING$25.00$25.001/29/2010 4:42:04 PM
steamboatgal$25.00$25.001/29/2010 4:42:10 PM
benefit-squirrel$30.00$30.001/29/2010 4:43:35 PM
Kulchar$50.00$50.001/29/2010 4:42:18 PM
bold-bright-currency$25.00$25.001/29/2010 4:42:20 PM
Kaj$25.00$25.001/29/2010 4:43:50 PM
niskyfranchise$25.00$25.001/29/2010 4:42:28 PM
Katburg$35.00$35.001/29/2010 4:43:55 PM
mpactlender$25.00$25.001/29/2010 4:42:32 PM
puifais$25.00$25.001/29/2010 4:43:58 PM
friendly-worth3$25.00$25.001/29/2010 4:42:34 PM
lloyd_s$25.00$25.001/29/2010 4:44:01 PM
time4aloan$50.00$50.001/29/2010 4:44:08 PM
dollar-high-five$25.00$25.001/29/2010 4:28:22 PM
yield-lion$25.00$25.001/29/2010 4:44:41 PM
CallMeBen$25.00$25.001/29/2010 4:43:21 PM
junctionking$25.00$25.001/29/2010 4:44:56 PM
industrious-dedication$25.00$25.001/29/2010 4:43:27 PM
saffron4$25.00$25.001/29/2010 4:43:30 PM
ryan23$25.00$25.001/29/2010 4:45:02 PM
balance6$25.00$25.001/29/2010 4:45:09 PM
falcon88dp$25.00$25.001/29/2010 4:45:14 PM
concerto5$25.00$25.001/29/2010 4:29:32 PM
piter-to-la-investment$25.00$25.001/29/2010 4:45:30 PM
rooosta$25.00$25.001/29/2010 4:44:12 PM
MrDavid$25.00$25.001/29/2010 4:45:35 PM
wdworld$100.00$100.001/29/2010 4:30:10 PM
plentiful-reward$50.00$50.001/29/2010 4:46:00 PM
reflective-cash0$50.00$50.001/29/2010 4:46:06 PM
Cai8899$50.00$50.001/29/2010 4:44:50 PM
HamachiMan$25.00$25.001/29/2010 4:46:10 PM
felicity-synapse$25.00$25.001/29/2010 4:46:18 PM
inspiring-reward$50.00$50.001/29/2010 4:45:01 PM
loan-master996$50.00$50.001/29/2010 4:45:11 PM
financial-frenzy$50.00$50.001/29/2010 4:45:25 PM
integrity-doctor$50.00$50.001/29/2010 4:45:32 PM
oaktown23$50.00$50.001/29/2010 4:45:51 PM
cloud8$30.00$30.001/29/2010 4:31:40 PM
rlcot$25.00$25.001/29/2010 4:45:56 PM
worthy-bid4$25.00$25.001/29/2010 4:32:50 PM
orbiter614$50.00$50.001/29/2010 4:48:45 PM
social-conductor4$25.00$25.001/29/2010 4:33:19 PM
ASR3$25.00$25.001/29/2010 4:33:46 PM
glalat$25.00$25.001/29/2010 4:34:10 PM
bbrelo$25.00$25.001/29/2010 4:34:18 PM
LenderByDay$25.00$25.001/29/2010 4:35:08 PM
Kierf$25.00$25.001/29/2010 4:37:32 PM
region123$50.00$50.001/29/2010 4:37:57 PM
museic1$32.48$32.481/29/2010 4:38:03 PM
Krozy$25.00$25.001/29/2010 4:38:49 PM
gciarami$25.00$25.001/29/2010 4:39:12 PM
thoughtful-community7$25.00$25.001/29/2010 4:39:15 PM
SterlingTech$25.00$25.001/29/2010 4:39:21 PM
inventive-wealth2$25.00$25.001/29/2010 4:39:38 PM
egw$25.00$25.001/29/2010 4:39:45 PM
ijspence$25.00$25.001/29/2010 4:40:25 PM
srilm$25.00$25.001/29/2010 4:41:55 PM
platinum-platoon$25.00$25.001/29/2010 4:42:39 PM
martiantim$25.00$25.001/29/2010 4:42:49 PM
elegant-bonus$25.00$25.001/29/2010 4:43:19 PM
kmr2$100.00$100.001/29/2010 4:44:35 PM
NorthernFunds$25.00$25.001/29/2010 4:44:42 PM
auction-elvis$25.00$25.001/29/2010 4:45:18 PM
kanakakm$25.00$25.001/29/2010 4:45:36 PM
upbeat-investment9$25.00$25.001/29/2010 4:45:46 PM
bill-expert$25.00$25.001/29/2010 4:45:52 PM
maldok1$25.00$25.001/29/2010 4:45:59 PM
credible-durability$25.00$25.001/29/2010 4:46:04 PM
balance-voyager$100.00$100.001/29/2010 4:46:09 PM
BlindJoeDeath$25.00$25.001/29/2010 4:46:15 PM
worthy-bid4$25.00$25.001/30/2010 9:59:46 AM
Sol_Invictus$25.00$25.001/30/2010 4:11:16 AM
zento$25.00$25.001/31/2010 9:36:03 AM
orbiter614$50.00$50.001/31/2010 4:31:31 PM
IIP77$25.00$25.002/1/2010 9:31:54 PM
natural-greenback6$25.00$25.002/1/2010 7:38:50 PM
maximizer$25.00$25.002/2/2010 10:20:26 AM
privatebankerva$25.00$25.002/3/2010 10:43:29 AM
Lending-Bee$100.00$100.002/3/2010 2:39:16 PM
grammaspurse$25.00$25.002/3/2010 3:01:04 PM
fireinsp61$100.00$100.002/3/2010 10:53:49 AM
favorite-commerce$25.00$25.002/3/2010 5:54:47 PM
BuzzyBee336$25.00$25.002/3/2010 8:19:32 PM
Spraydawg$240.89$240.892/3/2010 5:48:04 PM
Feyenoord$25.00$25.002/4/2010 2:59:09 AM
PerryTech$52.66$52.662/4/2010 6:38:00 AM
a-reasonable-return$25.00$25.002/4/2010 6:47:24 AM
pythia$25.00$25.002/4/2010 7:36:30 AM
lean-investment$25.00$25.002/4/2010 8:11:27 AM
jodilee31$25.00$25.002/4/2010 8:13:44 AM
Gaelicman$50.00$50.002/4/2010 11:42:18 AM
wwwUniversal$25.00$25.002/4/2010 2:42:20 PM
Higheagle$37.62$37.622/4/2010 4:45:32 PM
shrewd-income$25.00$25.002/4/2010 8:36:55 PM
draggon77$25.00$25.002/4/2010 7:39:17 PM
jybank$25.00$25.002/4/2010 11:29:59 PM
Trondheim_Norway$150.00$150.002/4/2010 9:57:23 PM
SterlingTech$42.14$42.142/5/2010 6:23:58 AM
284 bids
 
Borrower Payment Dependent Notes Series 444537
This series of Notes was issued and sold upon the funding of the borrower loan #40764, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jan-28-2010 
  Auction end date:  Feb-04-2010 
 
Starting lender yield: 26.00% Starting borrower rate/APR: 27.00% / 30.95% Starting monthly payment: $40.83
Final lender yield: 18.50% Final borrower rate/APR: 19.50% / 23.27% Final monthly payment: $36.91
 
Auction yield range: 17.06% - 26.00% Estimated loss impact: 19.03%  
Lender servicing fee: 1.00% Estimated return: -0.53%  
<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 scores: First credit line: Feb-1971 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-10):Not Available Current / open credit lines: 4 / 4Length of status:4y 8m
Credit score: 680-699 (Jan-2010) Total credit lines: 7 Occupation: Student - College G...
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: laxman310 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
700-719 (Oct-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
Establish Payment History
This is my second prosper loan, the first which has been paid in full.

Purpose of loan:
This loan will be used to FURTHER establish a payment history with the prosper community.? I want to receive a better interest rate than the 28% that I received last time.? If the loan is under 20% I likely will not pay it back early.? I have no plans for using the money from this loan, other than to pay it back and establish a payment history with prosper.? The interest is worth the good payment history with the community.? Following this loan I will most likely borrow a larger sum, such as $3000, and repeat the process.? Ultimately I hope to be able to acquire loans from prosper based on a good credit history with prosper.?

The recent change in my credit score is the result of applying to refinance my mortgage.? I have no problem paying my mortgage, but wanted to refinance the balance of the loan ($100K out of $150K) to improve my cashflow.? This refinance only serves to make my payments easier.

My financial situation:
I am a trustworthy individual.? Not only am I a fourth year medical student, I am also the owner of a business, and have over $100,000 in equity and options investments.? I also have been an investor here on prosper, although have not had the greatest success (I've broken about even).? I am a good candidate for this loan because I have an income of approximately $25,000 a year, and am a home owner of 36 months with no delinquent payments. (even through the recent economic downturn)? The loan WILL get repaid through automatic deduction from my checking account, which currently has a balance of approximately $2100.? The purpose of this loan is to both see what sort of interest rate I will attain, and to ascertain the level of difficulty in applying for a loan here on prosper.

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
Q: Your credit profile says that your first credit line was established in 1971. Is this correct? - marinbb
A: No, thats a mistake. My first credit line was established in 1998 or so. (Feb-02-2010)
Q: Why did you pay off your first loan in 2 months? You should have kept the loan for at least a year for a good payment history. - ustfu
A: With the rate I was getting, it made no sense. Ideally to actually hold the loan I would like it to be less than 20%. Also, to anyone who would like, I would be more than happy to take screen shots of my brokerage, bank, and mortgage accounts. (Feb-03-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Astyanax$50.00$50.002/3/2010 5:14:34 PM
Leshan$50.00$50.002/4/2010 8:12:39 AM
MrPie$25.00$25.002/4/2010 9:06:37 AM
Gaelicman$50.00$50.002/4/2010 11:37:12 AM
PotBellyPete$75.00$75.002/4/2010 11:35:25 AM
dudebrah$25.00$25.002/4/2010 12:07:17 PM
leverage-burrito$25.00$25.002/4/2010 1:37:51 PM
rapid-currency$50.00$50.002/4/2010 2:30:02 PM
pathcrx$33.21$33.212/4/2010 2:53:17 PM
good4loan$25.00$25.002/4/2010 3:30:28 PM
ultimate-peace$200.00$200.002/4/2010 4:08:03 PM
DasMula$25.00$25.002/4/2010 4:09:20 PM
toxicbutterfly$25.00$25.002/4/2010 4:11:57 PM
kinetic-social$30.00$30.002/4/2010 4:12:53 PM
wild-orange$25.00$25.002/4/2010 1:03:52 AM
Feyenoord$50.00$50.002/4/2010 2:04:10 AM
marwadi-62$100.00$100.002/4/2010 8:39:18 AM
hawaiitechnical$25.00$25.002/4/2010 11:07:21 AM
OPEO$25.00$25.002/4/2010 11:26:34 AM
Ray3486$25.00$25.002/4/2010 2:24:25 PM
FinanceEngine$30.00$30.002/4/2010 2:33:50 PM
Capit0l$25.00$25.002/4/2010 3:47:05 PM
friendinmoney$28.93$6.792/4/2010 4:13:28 PM
23 bids
 
Borrower Payment Dependent Notes Series 444579
This series of Notes was issued and sold upon the funding of the borrower loan #40776, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-28-2010 
  Auction end date:  Jan-30-2010 
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $301.94
Final lender yield: 26.40% Final borrower rate/APR: 27.40% / 29.74% Final monthly payment: $287.28
 
Auction yield range: 11.06% - 30.24% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1990 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 15 / 12Length of status:14y 5m
Credit score: 660-679 (Jan-2010) Total credit lines: 36 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $7,117Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: bobtheitalian Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off personal debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kindness-percolator5$25.00$25.001/28/2010 4:15:56 PM
CASHGIRL$25.00$25.001/28/2010 4:16:15 PM
blivet1970$25.00$25.001/28/2010 4:16:45 PM
investorRE$35.00$35.001/28/2010 4:16:17 PM
LongTail$25.00$25.001/28/2010 4:17:16 PM
selfmademan$25.00$25.001/28/2010 4:16:34 PM
AF-Chief$28.00$28.001/28/2010 4:17:24 PM
orange-preeminant-bill$100.00$100.001/28/2010 4:20:10 PM
jonbozeman$25.00$25.001/28/2010 4:20:31 PM
bowdish1$50.00$50.001/28/2010 4:18:49 PM
aFro$25.00$25.001/28/2010 4:18:58 PM
karpman3$50.00$50.001/28/2010 4:19:15 PM
Banker7371$25.00$25.001/28/2010 4:20:16 PM
Cai8899$30.00$30.001/28/2010 4:20:26 PM
platytanz$25.00$25.001/28/2010 4:23:25 PM
cladius67$25.00$25.001/28/2010 4:23:35 PM
blooming-dedication$50.00$50.001/28/2010 4:24:30 PM
ryan23$25.00$25.001/28/2010 4:24:36 PM
thestartuplender$35.00$35.001/28/2010 4:24:47 PM
lloyd_s$25.00$25.001/28/2010 4:24:53 PM
the-aggresive-principal$25.00$25.001/28/2010 4:24:12 PM
georgethesir$25.00$25.001/28/2010 4:25:04 PM
wise-extraordinary-loot$25.00$25.001/28/2010 4:24:17 PM
Speculator$50.00$50.001/28/2010 4:25:07 PM
ghinga$25.00$25.001/28/2010 4:25:12 PM
falcon88dp$25.00$25.001/28/2010 4:25:20 PM
momoney2lend$25.00$25.001/28/2010 4:25:21 PM
MissionMicroFinance$25.00$25.001/28/2010 4:24:45 PM
orange-finance-banker$25.00$25.001/28/2010 4:25:40 PM
duty-sensai$25.00$25.001/28/2010 4:24:50 PM
friendly-worth3$25.00$25.001/28/2010 4:25:46 PM
Turtlebear44$25.00$25.001/28/2010 4:24:56 PM
rooosta$25.00$25.001/28/2010 4:25:01 PM
supreme-bonus0$25.00$25.001/28/2010 4:26:03 PM
Orringo$50.00$50.001/28/2010 4:26:12 PM
unk1911$25.00$25.001/28/2010 4:26:20 PM
balance6$25.00$25.001/28/2010 4:25:32 PM
bmarch$25.00$25.001/28/2010 4:26:29 PM
peril$50.00$50.001/28/2010 4:25:42 PM
jstefans$25.00$25.001/28/2010 4:26:33 PM
traveler50$25.00$25.001/28/2010 4:25:59 PM
financial-frenzy$25.00$25.001/28/2010 4:26:47 PM
marcomnzs$34.50$34.501/28/2010 4:26:07 PM
whatknows$25.00$25.001/28/2010 4:26:16 PM
Learning2Lend$50.00$50.001/28/2010 4:26:31 PM
FeedTheMachine$200.00$200.001/28/2010 4:27:06 PM
topher515$25.00$25.001/28/2010 4:26:39 PM
rob1971$25.00$25.001/28/2010 4:26:45 PM
note-tent$25.00$25.001/28/2010 4:26:52 PM
zipemdown$25.00$25.001/28/2010 4:27:42 PM
head$25.00$25.001/28/2010 4:27:01 PM
simplewareinc$25.40$25.401/28/2010 4:28:01 PM
Rattlehead$25.00$25.001/28/2010 4:27:08 PM
akesef$25.00$25.001/28/2010 4:28:14 PM
mtquan$25.00$25.001/28/2010 4:27:19 PM
dime-neutron$25.00$25.001/28/2010 4:28:47 PM
natural-greenback6$25.00$25.001/28/2010 4:27:29 PM
first-restless-payout$25.00$25.001/28/2010 4:27:33 PM
NR$25.00$25.001/28/2010 4:27:41 PM
direct-yield$25.00$25.001/28/2010 4:27:51 PM
Artist_Blue$25.00$25.001/28/2010 4:28:15 PM
jtodd37$25.00$25.001/28/2010 4:15:46 PM
teega5$25.00$25.001/28/2010 4:16:24 PM
Phantom99$25.00$25.001/28/2010 4:17:06 PM
EdtheSupporter$25.00$25.001/28/2010 4:18:34 PM
nellaelyob$25.00$25.001/28/2010 4:18:45 PM
cashtolendyou$25.00$25.001/28/2010 4:19:12 PM
majorf2136$25.00$25.001/28/2010 4:19:14 PM
CAGE-Investments$50.00$50.001/28/2010 4:19:18 PM
burrito6$25.00$25.001/28/2010 4:19:59 PM
seisen$50.00$50.001/28/2010 4:20:02 PM
puifais$25.00$25.001/28/2010 4:20:19 PM
Supernick$25.00$25.001/28/2010 4:20:23 PM
WBB21$25.00$25.001/28/2010 4:23:21 PM
worthy-bid4$25.00$25.001/28/2010 4:23:56 PM
elegant-loot$25.00$25.001/28/2010 4:24:07 PM
value-pole$25.00$25.001/28/2010 4:24:22 PM
Zolton$200.00$200.001/28/2010 4:24:39 PM
AF_Trust$25.00$25.001/28/2010 4:24:44 PM
Diamond_Jim$25.00$25.001/28/2010 4:24:49 PM
dedicated-diversification5$100.00$100.001/28/2010 4:24:55 PM
Purposeful$25.00$25.001/28/2010 4:25:02 PM
important-ore$50.00$50.001/28/2010 4:25:27 PM
ritchie70$25.00$25.001/28/2010 4:25:48 PM
PCash$25.00$25.001/28/2010 4:25:55 PM
accountant41$25.00$25.001/28/2010 4:25:57 PM
dinero-mason$50.00$50.001/28/2010 4:26:21 PM
punctual-worth$25.00$25.001/28/2010 4:26:27 PM
ouyangers$25.00$25.001/28/2010 4:26:36 PM
MONEYMATCH$25.00$25.001/28/2010 4:26:43 PM
350DGRZ$25.00$25.001/28/2010 4:26:49 PM
life-is-great$25.00$25.001/28/2010 4:26:54 PM
zippy-interest$25.00$25.001/28/2010 4:27:11 PM
BlindJoeDeath$25.00$25.001/28/2010 4:27:14 PM
nourishing-hope835$25.00$25.001/28/2010 4:27:25 PM
KevinC_63366$25.00$25.001/28/2010 4:27:39 PM
rdecartus$25.00$25.001/28/2010 4:27:45 PM
kaykarun$25.00$25.001/28/2010 4:27:52 PM
EnigmaNYC-29$25.00$25.001/28/2010 4:28:10 PM
brutusbone$25.00$25.001/28/2010 4:28:16 PM
Bob450$25.00$25.001/28/2010 8:29:31 PM
mrscenicroute$25.00$25.001/28/2010 4:16:19 PM
Lam0nt$25.00$25.001/28/2010 4:16:33 PM
NoMoreDebt4Me$50.00$50.001/28/2010 4:16:43 PM
ore-bada-bing$29.58$29.581/28/2010 4:15:59 PM
famous-bill$25.00$25.001/28/2010 4:17:03 PM
bonFire8$25.00$25.001/28/2010 4:16:11 PM
Hondo$25.00$25.001/28/2010 4:16:31 PM
cloud8$25.00$25.001/28/2010 4:16:44 PM
triumph329$25.00$25.001/28/2010 4:17:09 PM
brother_tam$50.00$50.001/28/2010 4:19:07 PM
desertoasis$50.00$50.001/28/2010 4:17:33 PM
maschinenbau$25.00$25.001/28/2010 4:19:20 PM
transparency-burger$25.00$25.001/28/2010 4:19:37 PM
yeti888$25.00$25.001/28/2010 4:20:07 PM
MAYBROOK$25.00$25.001/28/2010 4:18:28 PM
treasure-bliss$100.00$100.001/28/2010 4:20:08 PM
ventureboy$25.00$25.001/28/2010 4:18:30 PM
opie4624$25.00$25.001/28/2010 4:18:36 PM
oreyedoc$25.00$25.001/28/2010 4:20:28 PM
charming-point$300.00$300.001/28/2010 4:20:35 PM
lillian27$25.00$25.001/28/2010 4:19:02 PM
CaboWaboRobo$25.00$25.001/28/2010 4:19:09 PM
derec$25.00$25.001/28/2010 4:19:27 PM
TCayce$25.00$25.001/28/2010 4:19:31 PM
SDKiwi$25.00$25.001/28/2010 4:19:39 PM
randsenterprise$25.00$25.001/28/2010 4:19:49 PM
oldmora$50.00$50.001/28/2010 4:20:05 PM
Amyper$25.00$25.001/28/2010 4:23:11 PM
deal-baron$25.00$25.001/28/2010 4:23:19 PM
mvfreel$50.00$50.001/28/2010 4:23:28 PM
vfrdirk$25.00$25.001/28/2010 4:23:49 PM
narenrani$33.00$33.001/28/2010 4:22:27 PM
rosario1$25.00$25.001/28/2010 4:24:00 PM
personal-lender$25.00$25.001/28/2010 4:24:24 PM
Buffer10$100.00$100.001/28/2010 4:24:28 PM
nourishing-interest0$25.00$25.001/28/2010 4:23:07 PM
tsquared_030$25.00$25.001/28/2010 4:24:33 PM
beatmix01$25.00$25.001/28/2010 4:23:30 PM
movistar$25.00$25.001/28/2010 4:23:32 PM
TheYellowDart$25.00$25.001/28/2010 4:24:05 PM
p123$25.00$25.001/28/2010 4:24:14 PM
gizzywump$25.00$25.001/28/2010 4:25:10 PM
Rob717171$25.00$25.001/28/2010 4:25:15 PM
Vreet$25.00$25.001/28/2010 4:24:34 PM
impeccable-transparency$50.00$50.001/28/2010 4:24:40 PM
texrob20$25.00$25.001/28/2010 4:25:38 PM
Kaj$25.00$25.001/28/2010 4:24:43 PM
Sateesh$100.00$100.001/28/2010 4:25:43 PM
CarDealer3070$30.00$30.001/28/2010 4:24:59 PM
kindness-hickory5$25.00$25.001/28/2010 4:26:02 PM
IIP77$25.00$25.001/28/2010 4:25:06 PM
dime-beeper$25.00$25.001/28/2010 4:26:09 PM
fcb202$25.00$25.001/28/2010 4:26:15 PM
Auburnmist$25.00$25.001/28/2010 4:26:24 PM
SpareChangeHero$25.00$25.001/28/2010 4:26:30 PM
Yomain$25.00$25.001/28/2010 4:25:50 PM
StarzRLimit$25.00$25.001/28/2010 4:26:34 PM
scoobiedoo$25.00$25.001/28/2010 4:26:38 PM
bold-principal-thinker$25.00$25.001/28/2010 4:26:56 PM
AKgirl81$25.00$25.001/28/2010 4:27:05 PM
cunning-bill$25.00$25.001/28/2010 4:27:10 PM
ElAbel11$25.00$25.001/28/2010 4:26:42 PM
Wellman$100.00$100.001/28/2010 4:27:22 PM
rock-turner$50.00$50.001/28/2010 4:27:31 PM
silver-armada$50.00$50.001/28/2010 4:27:00 PM
SNH$50.00$50.001/28/2010 4:27:44 PM
fostaman$25.00$25.001/28/2010 4:27:58 PM
hc90474$25.00$25.001/28/2010 4:28:05 PM
natecam$25.00$25.001/28/2010 4:28:11 PM
WalnutCreekguy$25.00$9.191/28/2010 4:28:18 PM
unclejaef$25.00$25.001/28/2010 4:28:07 PM
AFairDeal$25.00$25.001/28/2010 4:28:12 PM
18th_beachbum$25.00$25.001/28/2010 4:16:03 PM
five-star-note$35.00$35.001/28/2010 4:16:41 PM
gciarami$25.00$25.001/28/2010 4:18:31 PM
BankME$25.00$25.001/28/2010 4:18:40 PM
invivo2$25.00$25.001/28/2010 4:18:43 PM
Peterman$25.00$25.001/28/2010 4:36:31 PM
amsmiles00$25.00$25.001/28/2010 4:18:47 PM
hptcrabbers$25.00$25.001/28/2010 4:19:05 PM
loanshark4u$25.00$25.001/28/2010 4:19:53 PM
hope-equation$50.00$50.001/28/2010 4:20:32 PM
affluence-spark391$25.00$25.001/28/2010 4:23:10 PM
Smartrider$25.00$25.001/28/2010 4:23:33 PM
social-conductor4$25.00$25.001/28/2010 4:23:44 PM
cu2maro$25.00$25.001/28/2010 4:23:52 PM
saffron4$25.00$25.001/28/2010 4:24:15 PM
VBAces$25.00$25.001/28/2010 4:24:20 PM
orange-courageous-dedication$30.00$30.001/28/2010 4:24:27 PM
cognizant-wealth$25.00$25.001/28/2010 4:24:31 PM
elevated-platinum5$25.00$25.001/28/2010 4:24:41 PM
honorable-yield$35.00$35.001/28/2010 4:24:58 PM
penny-surgeon$25.00$25.001/28/2010 4:25:09 PM
Katburg$25.00$25.001/28/2010 4:25:14 PM
jlr613$25.00$25.001/28/2010 4:25:24 PM
piter-to-la-investment$25.00$25.001/28/2010 4:25:53 PM
KgBsUcKa$25.00$25.001/28/2010 4:25:56 PM
gustavzantanon$44.72$44.721/28/2010 4:26:06 PM
forthright-dedication$100.00$100.001/28/2010 4:26:10 PM
TheCount$25.00$25.001/28/2010 4:26:41 PM
listing-trapper3$50.00$50.001/28/2010 4:26:59 PM
GMOD026$25.00$25.001/28/2010 4:27:12 PM
GMPK_TLAS$25.00$25.001/28/2010 4:27:27 PM
AceInTheHole$25.00$25.001/28/2010 4:27:34 PM
GatorBux$25.00$25.001/28/2010 4:27:43 PM
louisianalender$40.61$40.611/28/2010 4:27:56 PM
industrious-dedication$25.00$25.001/28/2010 4:28:13 PM
208 bids
 
Borrower Payment Dependent Notes Series 443726
This series of Notes was issued and sold upon the funding of the borrower loan #40773, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-22-2010 
  Auction end date:  Jan-29-2010 
 
Starting lender yield: 11.15% Starting borrower rate/APR: 12.15% / 14.28% Starting monthly payment: $83.21
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $81.85
 
Auction yield range: 4.06% - 11.15% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1976 Debt/Income ratio: 22%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-10):Not Available Current / open credit lines: 12 / 11Length of status:5y 0m
Credit score: 780-799 (Jan-2010) Total credit lines: 34Stated income:$50,000-$74,999
Now delinquent: 1 Revolving credit balance: $4,709 
Amount delinquent: $5,830 Bankcard utilization: 29%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: wellingtons Borrower's state: Indiana Borrower's group: Fix your credit, then get a loan.
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
780-799 (Nov-2009)
760-779 (Sep-2009)
760-779 (Apr-2009)
780-799 (Jun-2008)
 
Principal balance: $2,871.54 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Funeral & Travel Expense-Death in F
Purpose of loan:
This is an Emergency Loan. Family member died of Cancer after much sufferings.
This Loan will?go towards?Travel and Funeral Expenses. I will not have cash available untill the end of the month due to Holidays expenses

I am a good candidate for this loan because?I have a?guaranteed income. In addition,?I Own and Manage an Online?Store?plus?Telephone and ?Catalog?sales?of?almost 4,000 items from Around the World. Current Minimum Annual sales approximately $10,000 -$20,000. My credit report needs to be updated to?remove an amount that is shown as?past due.?The account is not past due. Currently, all of my monthly obligations, including mortgage payments, ?are current and paid timely; none is in arrears. My credit score?will attest to that.
PLEASE!

Thank you.


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)
availableloan$25.00$25.001/22/2010 3:53:54 PM
PurplePonchoMan$25.00$25.001/23/2010 10:30:56 PM
friendly-worth3$50.00$50.001/24/2010 1:29:41 PM
Syzygy$25.00$25.001/25/2010 9:16:14 AM
DeltaComputerGuy$45.53$24.621/25/2010 4:22:33 PM
selector568$300.00$300.001/26/2010 12:43:55 PM
leverage-monger$25.00$25.001/28/2010 3:37:07 PM
namd$50.00$50.001/28/2010 1:07:24 PM
Frugal$25.00$25.001/28/2010 2:07:59 PM
wise-balanced-moola$25.00$25.001/28/2010 4:45:34 PM
Floridagirl$25.00$25.001/29/2010 3:28:04 AM
he-shoots-he-scores$50.00$50.001/29/2010 7:07:12 AM
TheRock$25.00$25.001/28/2010 8:12:07 PM
Loan_Some_Money$40.00$40.001/29/2010 9:22:18 AM
designs626$60.00$60.001/28/2010 9:59:46 PM
bonus-quark4$25.00$25.001/29/2010 9:56:20 AM
Johnab$51.00$51.001/29/2010 10:51:12 AM
PeterPsych$300.00$300.001/29/2010 11:49:35 AM
thegreatstrafe$25.00$25.001/29/2010 5:22:35 AM
gjm6d$25.00$25.001/29/2010 6:41:55 AM
5kids5$25.00$25.001/29/2010 7:26:12 AM
kf88$30.00$30.001/29/2010 1:02:06 PM
gustavholstopus32$25.00$25.001/29/2010 1:32:30 PM
crw1950$50.00$50.001/29/2010 8:29:53 AM
the-profit-oracle$25.00$25.001/29/2010 3:07:59 PM
sammyhammy$25.00$25.001/29/2010 11:36:35 AM
coldfuzion$47.59$47.591/29/2010 12:22:46 PM
jtoms101$26.14$26.141/29/2010 12:24:13 PM
PeacefulFlorida$25.00$25.001/29/2010 2:25:07 PM
Approved$25.00$25.001/22/2010 4:14:18 PM
dontscrewmeover1$50.00$50.001/22/2010 7:56:29 PM
LittleMingo$25.00$25.001/27/2010 11:28:00 AM
marwadi-62$100.00$100.001/27/2010 2:24:17 PM
strutter$25.00$25.001/28/2010 9:59:58 AM
Pizzaman49$25.00$25.001/28/2010 11:11:30 AM
Shanster84$50.00$50.001/28/2010 11:46:43 AM
BrighterSuns$25.00$25.001/28/2010 1:00:51 PM
Leshan$50.00$50.001/28/2010 3:01:15 PM
flyer10631$40.00$40.001/28/2010 7:11:49 PM
Little_Tuna_College_Fund$50.00$50.001/28/2010 7:50:03 PM
lnrn$31.35$31.351/28/2010 8:06:18 PM
duke12$100.00$100.001/28/2010 10:55:48 PM
Delta-Kilo-7K$25.00$25.001/28/2010 4:43:51 PM
SNH$50.00$50.001/29/2010 8:45:51 AM
gothampark$25.00$25.001/28/2010 8:15:05 PM
ballz694$27.89$27.891/28/2010 8:49:33 PM
wild-orange$25.00$25.001/29/2010 1:06:06 AM
martymaniaman$25.20$25.201/29/2010 7:06:27 AM
axelducheck$25.00$25.001/29/2010 1:11:47 PM
colorfulgardener$50.00$50.001/29/2010 1:41:16 PM
Earn_money$36.21$36.211/29/2010 10:02:13 AM
GBlack$25.00$25.001/29/2010 10:24:44 AM
Mikale360$25.00$25.001/29/2010 11:04:44 AM
direct-compassion$34.00$34.001/29/2010 12:14:59 PM
Dskillz$26.00$26.001/29/2010 12:22:18 PM
Muchzak$25.00$25.001/29/2010 3:38:52 PM
56 bids
 
Borrower Payment Dependent Notes Series 443728
This series of Notes was issued and sold upon the funding of the borrower loan #40763, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-22-2010 
  Auction end date:  Jan-29-2010 
 
Starting lender yield: 7.41% Starting borrower rate/APR: 8.41% / 10.50% Starting monthly payment: $189.16
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 10.08% Final monthly payment: $188.02
 
Auction yield range: 4.06% - 7.41% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 4.89%  
<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 scores: First credit line: Aug-1998 Debt/Income ratio: 42%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 6 / 6Length of status:2y 9m
Credit score: 740-759 (Jan-2010) Total credit lines: 14 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $48,055Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cash-historian Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Citi
Purpose of loan:
This loan will be used to? pay off my credit card, and a few of the medical bills.

My financial situation:
I am a good candidate for this loan because?I pay all of my bills on time, and am trying to pay off all credit! I had been paying down my credit until I got pregnant last year. I had a very rough pregnancy requiring home health care to set up a pack I wore 24 hours a day until I was 7 months pregnant. It was antinausea medication zofran. I was unable to work since I was?so sick, I would go in, be sick in our Lab or bathroom and have to go home. I didn't get on short term dissability, I just ran out my vacation time then had no pay days. I thought my delivery should be smooth after that, but no. I went? 9 days past my due date, and had to be induced. I had 38 hours of labor, three failed epidural, then C-section. A week later I got an infection and was put back into a different hospital.?My open incision did not heal closed until my son was?3 months old.?I do have insurance, but am paying 2 hospitals,?and multiple doctors, and home health bills. When I was pregnant most all of our cash was going to bills and we were charging gas and groceries. It adds up very quickly! Since I have gone back to work we have not charged anything and are determined to get everything paid off. And of course I have to say my son was very worth all of it, but I want to be financially able to start saving for his future!
Information in the Description is not verified.
Friends And Family Winning Bids
tenacious-compassion9 has bid a total of $5,000.00 in winning bids.
best-listing-toro has bid a total of $315.03 in winning bids.
2 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tenacious-compassion9$5,000.00$5,000.001/22/2010 6:24:35 PM
shrewd-asset$25.00$25.001/24/2010 5:27:32 PM
generous-deal6$25.00$25.001/28/2010 12:41:23 PM
catalystcf$25.00$25.001/28/2010 8:52:26 PM
jtoms101$25.00$25.001/28/2010 4:31:22 PM
martymaniaman$50.00$50.001/29/2010 7:08:44 AM
wild-orange$25.00$25.001/29/2010 1:06:54 AM
bossyboots01$25.00$25.001/29/2010 3:38:48 AM
sammyhammy$25.00$25.001/29/2010 11:42:01 AM
bossyboots01$25.00$25.001/29/2010 11:10:26 AM
OoM$25.00$25.001/29/2010 11:16:15 AM
scientists$25.00$25.001/29/2010 3:36:29 PM
best-listing-toro$1,000.00$315.031/22/2010 6:26:09 PM
JM-Sarawak$25.00$25.001/27/2010 6:07:39 AM
jchurchi$100.00$100.001/27/2010 7:29:31 PM
RandyL3$25.00$25.001/28/2010 5:00:04 PM
justin323$25.00$25.001/29/2010 3:51:27 AM
thegreatstrafe$25.00$25.001/29/2010 5:23:29 AM
KTOWN$29.18$29.181/29/2010 8:10:47 AM
JFalcon$50.90$50.901/29/2010 9:20:47 AM
djmike805$29.35$29.351/29/2010 9:29:55 AM
Dskillz$25.54$25.541/29/2010 12:27:37 PM
niq4soccer$25.00$25.001/29/2010 12:36:12 PM
REITRUST$25.00$25.001/29/2010 10:06:00 AM
24 bids
 
Borrower Payment Dependent Notes Series 445304
This series of Notes was issued and sold upon the funding of the borrower loan #40760, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Feb-03-2010 
  Auction end date:  Feb-04-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $226.18
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<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 scores: First credit line: Nov-1992 Debt/Income ratio: 57%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-10):Not Available Current / open credit lines: 14 / 14Length of status:9y 8m
Credit score: 620-639 (Jan-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 0 Revolving credit balance: $16,714Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: oreo1234 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 54 ( 100% ) 620-639 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
600-619 (Jan-2008)
580-599 (May-2007)
 
Principal balance: $2,466.09 1+ mo. late: 0 ( 0% )
Total payments billed: 54  
Description
pay off bills
Purpose of loan: i will be using this loan to pay off my high interest credit cards and cut them up and just have one monthly payment.

My financial situation:??? DEBT TO INCOME RATIO IS MUCH MUCH LOWER THAN IT APPREARS!??? I am a good candidate because I make a lot more than $35,000 a year but that is all?I could verify.??I?work at a casino and I make tips daily and I make at least $70,000 a year.? Also, if you noticed that I have no delinquencies on any acct i ever borrowed from or any credit card i ever used.? I always pay what I owe. I also have had 2 loans with Prosper with no problems.? One loan is paid off and the other one is almost finished.? I am sure you can verify this somewhere.
(
Monthly net income: $ $3,000 verify but at least $6,000

Monthly expenses: $
??Housing: $?400
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $?300
??Clothing, household expenses $ 200
??Credit cards and other loans: $?400
??Other expenses: $ 100
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)
unk1911$25.00$25.002/4/2010 11:31:35 AM
bobd32$25.00$25.002/4/2010 4:29:05 PM
aquistoyraul$4,950.00$4,950.002/4/2010 11:55:44 PM
3 bids