Sales Report:Supplement No. 136 dated Feb 12, 2010 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
445156
This series of Notes was issued and sold upon the funding of the borrower loan #40841, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,400.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Feb-02-2010 |
| |
Auction end date:
| Feb-06-2010 |
|
|
Starting lender yield:
| 20.08% |
Starting borrower rate/APR:
| 21.08% / 23.77% |
Starting monthly payment:
| $52.80 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.69% |
Final monthly payment:
| $52.75 |
| |
|
Auction yield range:
| 8.06% - 20.08% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.03% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 8
/
8 | Length of status: | 7y 9m |
|
Credit score:
| 640-659 (Jan-2010) |
Total credit lines:
| 10 |
Occupation: | Laborer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,870 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| darole6 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? pay off a?credit card that has recently raised my interest rate from 13% to 29%.
My financial situation:
I am a good candidate for this loan because??I work?full time?as a?UPS delivery driver and I am determined to pay off my debt and raise my credit score by the end of the year. I would like to start by paying off this card. To me, it makes more sense to pay the lenders of Prosper 21% interest?than to pay 29% interest?to a credit card company. Thank you.
Monthly net income: $3000
Monthly expenses: $
??Housing: $ 0
??Insurance: $??80?
??Car expenses: $?200
??Utilities: $?200
??Phone, cable, internet: $?200
??Food, entertainment: $?300
??Clothing, household expenses $?100
??Credit cards and other loans: $?400
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| elegant-loot | $25.00 | $25.00 | 2/2/2010 4:05:16 PM |
| jga516 | $25.00 | $25.00 | 2/2/2010 4:31:32 PM |
| zento | $25.00 | $25.00 | 2/2/2010 4:28:25 PM |
| cloud8 | $30.00 | $30.00 | 2/2/2010 4:29:26 PM |
| theonezozo | $25.00 | $25.00 | 2/3/2010 4:38:09 PM |
| Imaginos1892 | $25.00 | $25.00 | 2/3/2010 7:11:11 PM |
| mercuriant | $25.00 | $25.00 | 2/4/2010 12:02:07 PM |
| orange-finance-banker | $25.00 | $25.00 | 2/5/2010 12:50:21 PM |
| 3am-preacher | $25.00 | $25.00 | 2/5/2010 1:24:27 PM |
| respectful-integrity3 | $25.00 | $25.00 | 2/5/2010 3:34:57 PM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 2/5/2010 4:40:22 PM |
| brondero | $140.00 | $140.00 | 2/5/2010 9:40:44 PM |
| Steveo64 | $25.00 | $25.00 | 2/5/2010 7:13:32 PM |
| RochelleW | $50.00 | $50.00 | 2/5/2010 10:13:17 PM |
| donenzo | $25.00 | $25.00 | 2/5/2010 9:05:27 PM |
| grammaspurse | $25.00 | $25.00 | 2/6/2010 10:35:08 AM |
| NS_Consult | $25.00 | $25.00 | 2/6/2010 12:57:49 PM |
| GyJAV_BNCCo | $25.00 | $25.00 | 2/6/2010 9:39:26 AM |
| Thunder08 | $25.00 | $25.00 | 2/6/2010 12:18:27 PM |
| charming-point | $300.00 | $300.00 | 2/6/2010 12:15:50 PM |
| EngineersAlliance | $50.00 | $50.00 | 2/6/2010 12:16:30 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/2/2010 4:07:01 PM |
| five-star-justice | $36.00 | $36.00 | 2/2/2010 4:31:33 PM |
| Bob450 | $50.00 | $50.00 | 2/2/2010 8:23:05 PM |
| lucrative-loan | $50.00 | $50.00 | 2/2/2010 4:51:10 PM |
| wwwUniversal | $25.00 | $25.00 | 2/3/2010 4:39:20 PM |
| Bender | $31.20 | $31.20 | 2/4/2010 11:10:29 AM |
| buffalobills | $25.00 | $25.00 | 2/4/2010 2:16:03 PM |
| Delta-Kilo-7K | $25.00 | $25.00 | 2/4/2010 5:33:21 PM |
| IPG1 | $25.00 | $25.00 | 2/5/2010 12:31:53 PM |
| CaliforniaRepublic | $25.00 | $25.00 | 2/5/2010 1:29:15 PM |
| admirable-loyalty | $27.57 | $0.06 | 2/5/2010 2:21:49 PM |
| Bank_Of_XL | $25.00 | $25.00 | 2/5/2010 4:01:51 PM |
| scottysidewinder | $30.00 | $30.00 | 2/5/2010 8:03:09 PM |
| Delta-Kilo-7K | $32.74 | $32.74 | 2/6/2010 2:01:04 AM |
| toxicbutterfly | $25.00 | $25.00 | 2/6/2010 9:49:24 AM |
| 36 bids
|
Borrower Payment Dependent Notes Series
444222
This series of Notes was issued and sold upon the funding of the borrower loan #40832, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Jan-27-2010 |
| |
Auction end date:
| Feb-03-2010 |
|
|
Starting lender yield:
| 7.40% |
Starting borrower rate/APR:
| 8.40% / 10.49% |
Starting monthly payment:
| $157.61 |
|
Final lender yield:
| 7.35% |
Final borrower rate/APR:
| 8.35% / 10.44% |
Final monthly payment:
| $157.49 |
| |
|
Auction yield range:
| 4.06% - 7.40% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.24% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1993 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 16
/
15 | Length of status: | 1y 5m |
|
Credit score:
| 760-779 (Jan-2010) |
Total credit lines:
| 41 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $38,305 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| reward-vault3 |
Borrower's state:
| Connecticut |
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 high int credit cards
Purpose of loan:
This load will be used to pay down high interest credit cards.?
My financial situation:
I am a good candidate for this loan because I have a full time position in a company in a very good field, Medical/Orthopedics,?and I also have a spouse that works full time and makes another $57k/year to help support.? She also works in the health care industry and can work just about anywhere.? We are in debt reducing mode as we took on too much debt when we moved a year and a half ago.? We are about to pay off a $2k cc and continue to roll from there, but I do have a couple higher interest cards that I need to get down to reasonable rates to get ahead.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| skuba | $50.00 | $50.00 | 1/27/2010 4:02:30 PM |
| all_of_that_one | $25.00 | $25.00 | 1/27/2010 4:12:44 PM |
| lean-velocity | $25.00 | $25.00 | 1/27/2010 4:21:38 PM |
| DonaldColorado | $25.00 | $25.00 | 1/27/2010 4:05:07 PM |
| bchen78875 | $50.00 | $50.00 | 1/27/2010 4:27:41 PM |
| market-builder | $25.00 | $25.00 | 1/27/2010 4:29:06 PM |
| peerlender | $30.00 | $30.00 | 1/27/2010 4:30:07 PM |
| commerce-web5 | $40.00 | $40.00 | 1/27/2010 4:30:26 PM |
| first-pragmatic-note | $25.00 | $25.00 | 1/27/2010 4:31:11 PM |
| dealarella | $25.00 | $25.00 | 1/27/2010 4:29:22 PM |
| dollar-birdie | $30.00 | $30.00 | 1/27/2010 4:30:43 PM |
| kanakakm | $50.00 | $50.00 | 1/27/2010 4:30:59 PM |
| friendly-worth3 | $25.00 | $25.00 | 1/27/2010 4:32:28 PM |
| GElender | $50.00 | $50.00 | 1/27/2010 4:32:46 PM |
| desertoasis | $25.00 | $25.00 | 1/27/2010 4:33:06 PM |
| Walkingcowboy | $25.00 | $25.00 | 1/27/2010 4:28:19 PM |
| Cai8899 | $75.00 | $75.00 | 1/27/2010 4:28:49 PM |
| delicious-social132 | $25.00 | $25.00 | 1/27/2010 4:29:13 PM |
| commerce-voyager | $25.00 | $25.00 | 1/27/2010 4:34:51 PM |
| bowdish1 | $100.00 | $100.00 | 1/27/2010 4:29:20 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/27/2010 4:31:18 PM |
| mikeandcat | $100.00 | $100.00 | 1/27/2010 4:47:47 PM |
| lloyd_s | $25.00 | $25.00 | 1/27/2010 4:46:47 PM |
| honorable-yield | $75.00 | $75.00 | 1/27/2010 4:48:13 PM |
| social-conductor4 | $25.00 | $25.00 | 1/27/2010 4:49:56 PM |
| exciting-responsibility3 | $25.00 | $25.00 | 1/27/2010 4:47:20 PM |
| DrMoneyBags | $25.00 | $25.00 | 1/27/2010 4:48:11 PM |
| highcountry1 | $25.00 | $25.00 | 1/27/2010 5:02:01 PM |
| buukyak | $25.00 | $25.00 | 1/28/2010 9:31:57 AM |
| theprince | $25.00 | $25.00 | 1/27/2010 10:26:22 PM |
| wampum-optimization | $50.00 | $50.00 | 1/28/2010 9:50:06 AM |
| nuclearmoose | $25.00 | $25.00 | 1/28/2010 11:48:59 AM |
| greenwell | $42.49 | $42.49 | 1/28/2010 3:20:19 PM |
| worthy-bid4 | $50.00 | $50.00 | 1/28/2010 3:30:56 PM |
| skvat | $25.00 | $25.00 | 1/29/2010 4:43:04 AM |
| Good_Karma_Cafe | $25.00 | $25.00 | 1/29/2010 7:26:26 AM |
| gracej | $25.00 | $25.00 | 1/29/2010 8:11:28 AM |
| trade-trumpet | $25.00 | $25.00 | 1/29/2010 9:36:07 AM |
| zski | $25.00 | $25.00 | 1/29/2010 10:45:49 AM |
| blooming-market | $25.00 | $25.00 | 1/29/2010 5:41:36 PM |
| br4444 | $25.00 | $25.00 | 1/30/2010 9:56:41 AM |
| luper | $50.00 | $50.00 | 1/29/2010 10:56:43 PM |
| maplehouse | $25.31 | $25.31 | 1/30/2010 7:53:25 AM |
| Aeroman32 | $25.00 | $25.00 | 1/30/2010 11:36:35 PM |
| cash4less | $50.00 | $50.00 | 1/31/2010 12:30:09 AM |
| lowrate | $25.00 | $25.00 | 1/31/2010 8:59:08 AM |
| wormdc | $25.00 | $25.00 | 1/31/2010 3:10:55 PM |
| nhm | $25.00 | $1.86 | 1/31/2010 4:22:32 PM |
| MM1207 | $25.00 | $25.00 | 1/31/2010 2:52:25 PM |
| helynn43 | $25.00 | $25.00 | 2/1/2010 8:35:33 AM |
| gjm6d | $25.00 | $25.00 | 2/1/2010 6:10:06 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/2/2010 8:20:50 AM |
| thebadpelican | $25.00 | $25.00 | 2/2/2010 9:15:26 AM |
| icecoldcash | $100.00 | $100.00 | 2/1/2010 9:22:28 PM |
| generous-deal6 | $25.00 | $25.00 | 2/2/2010 1:23:28 AM |
| ITFDEE | $25.00 | $25.00 | 2/2/2010 7:09:20 AM |
| orange-finance-banker | $50.00 | $50.00 | 2/2/2010 8:18:56 PM |
| mster9ball | $25.00 | $25.00 | 2/2/2010 9:39:31 PM |
| mhotchan | $100.00 | $100.00 | 2/2/2010 10:53:03 PM |
| oldscratch72 | $50.00 | $50.00 | 2/2/2010 11:46:08 PM |
| blissful-note7 | $25.00 | $25.00 | 2/3/2010 2:03:05 AM |
| Patrician | $26.88 | $26.88 | 2/2/2010 4:47:52 PM |
| Cherrypicker | $50.00 | $50.00 | 2/3/2010 7:37:43 AM |
| RandyL3 | $28.07 | $28.07 | 2/2/2010 5:21:37 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 2/2/2010 6:21:46 PM |
| Syzygy | $25.00 | $25.00 | 2/3/2010 11:44:37 AM |
| bossyboots01 | $25.00 | $25.00 | 2/3/2010 3:28:27 AM |
| starry2001 | $25.00 | $25.00 | 2/3/2010 2:43:53 PM |
| twerns | $40.00 | $40.00 | 2/3/2010 1:30:08 PM |
| selo80 | $25.00 | $25.00 | 2/3/2010 3:28:45 PM |
| biffmush | $250.00 | $250.00 | 2/3/2010 3:54:37 PM |
| SeaLoans | $25.00 | $25.00 | 2/3/2010 12:09:17 PM |
| jybank | $25.00 | $25.00 | 2/3/2010 1:00:07 PM |
| Rivermaverick | $25.00 | $25.00 | 2/3/2010 1:21:43 PM |
| kenji4861 | $25.00 | $25.00 | 1/27/2010 4:21:28 PM |
| AFairDeal | $25.00 | $25.00 | 1/27/2010 4:29:43 PM |
| kmr2 | $100.00 | $100.00 | 1/27/2010 4:29:50 PM |
| auction-elvis | $25.00 | $25.00 | 1/27/2010 4:32:09 PM |
| thedoctor | $90.00 | $90.00 | 1/27/2010 4:30:08 PM |
| loan-master996 | $50.00 | $50.00 | 1/27/2010 4:32:20 PM |
| determined-contract | $30.00 | $30.00 | 1/27/2010 4:30:36 PM |
| rolandweary | $30.00 | $30.00 | 1/27/2010 4:30:50 PM |
| junctionking | $25.00 | $25.00 | 1/27/2010 4:31:18 PM |
| AF-Chief | $35.00 | $35.00 | 1/27/2010 4:32:01 PM |
| Havana21 | $25.00 | $25.00 | 1/27/2010 4:32:45 PM |
| buckyhead2000 | $25.00 | $25.00 | 1/27/2010 4:33:07 PM |
| wampum-reaction2 | $25.00 | $25.00 | 1/27/2010 4:33:20 PM |
| inspired-contract9 | $50.00 | $50.00 | 1/27/2010 4:28:02 PM |
| leodaguy | $25.00 | $25.00 | 1/27/2010 4:28:10 PM |
| schpere | $30.00 | $30.00 | 1/27/2010 4:28:48 PM |
| supreme-hope | $25.00 | $25.00 | 1/27/2010 4:31:52 PM |
| credit-force5 | $25.00 | $25.00 | 1/27/2010 4:47:13 PM |
| LandE2BG | $25.00 | $25.00 | 1/27/2010 4:34:15 PM |
| kulender | $30.00 | $30.00 | 1/27/2010 4:47:31 PM |
| speyer | $25.00 | $25.00 | 1/27/2010 4:48:06 PM |
| DukSerduk | $25.00 | $25.00 | 1/27/2010 4:50:04 PM |
| personal-lender | $25.00 | $25.00 | 1/27/2010 4:46:48 PM |
| flexible-value | $25.00 | $25.00 | 1/27/2010 6:26:14 PM |
| meenan | $25.00 | $25.00 | 1/27/2010 4:46:39 PM |
| inventive-wealth2 | $25.00 | $25.00 | 1/27/2010 4:48:01 PM |
| exchange-cub | $25.00 | $25.00 | 1/27/2010 4:48:44 PM |
| forthright-dedication | $25.00 | $25.00 | 1/27/2010 4:49:05 PM |
| Mr_Marcus | $50.00 | $50.00 | 1/27/2010 4:58:47 PM |
| DadWarbucks | $25.00 | $25.00 | 1/28/2010 9:36:22 AM |
| kindness-percolator5 | $25.00 | $25.00 | 1/28/2010 9:42:55 AM |
| mlopez2007 | $50.00 | $50.00 | 1/28/2010 9:50:08 AM |
| balance-voyager | $25.00 | $25.00 | 1/28/2010 9:50:31 AM |
| KiwiElf | $30.00 | $30.00 | 1/28/2010 9:36:35 AM |
| rulender | $50.00 | $50.00 | 1/28/2010 1:45:16 PM |
| mykkai | $25.00 | $25.00 | 1/28/2010 2:15:15 PM |
| Good_Karma_Cafe | $25.00 | $25.00 | 1/28/2010 2:48:29 PM |
| julijask | $35.00 | $35.00 | 1/28/2010 3:15:47 PM |
| flwah | $25.00 | $25.00 | 1/28/2010 3:20:37 PM |
| grampy48 | $25.00 | $25.00 | 1/28/2010 6:49:27 PM |
| the-financier814 | $25.00 | $25.00 | 1/29/2010 3:22:02 AM |
| Red4Golf | $25.00 | $25.00 | 1/29/2010 8:56:36 AM |
| moola-escalator | $50.00 | $50.00 | 1/29/2010 9:36:19 AM |
| justice-financier | $25.00 | $25.00 | 1/29/2010 9:37:05 AM |
| noble-revenue | $100.00 | $100.00 | 1/29/2010 10:07:20 AM |
| active-market | $100.00 | $100.00 | 1/29/2010 9:36:49 AM |
| PeacefulFlorida | $25.00 | $25.00 | 1/29/2010 8:05:07 PM |
| CaptainBlueberry | $25.00 | $25.00 | 1/30/2010 9:17:45 AM |
| elasermd | $50.00 | $50.00 | 1/30/2010 11:16:56 AM |
| screenname03 | $25.00 | $25.00 | 1/31/2010 12:05:43 PM |
| circustab | $50.00 | $50.00 | 2/1/2010 7:56:40 AM |
| CapitalAdvisor | $25.39 | $25.39 | 2/1/2010 5:12:36 AM |
| MKLManagement | $50.00 | $50.00 | 2/1/2010 4:56:35 PM |
| icecoldcash | $25.00 | $25.00 | 2/1/2010 9:22:42 PM |
| Newfoundcash | $25.00 | $25.00 | 2/1/2010 11:23:25 PM |
| ore-dojo | $50.00 | $50.00 | 2/2/2010 4:00:28 PM |
| admirable-credit | $25.00 | $25.00 | 2/2/2010 4:46:17 PM |
| malcolmreynolds | $25.00 | $25.00 | 2/2/2010 5:34:31 PM |
| soular21804 | $25.00 | $25.00 | 2/3/2010 3:01:08 AM |
| OoM | $25.00 | $25.00 | 2/3/2010 9:11:48 AM |
| wild-orange | $25.00 | $25.00 | 2/3/2010 9:35:14 AM |
| leverage-burrito | $25.00 | $25.00 | 2/3/2010 9:22:49 AM |
| scottysidewinder | $25.00 | $25.00 | 2/2/2010 7:16:31 PM |
| kf88 | $25.00 | $25.00 | 2/3/2010 1:03:50 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/3/2010 1:23:30 PM |
| 139 bids
|
Borrower Payment Dependent Notes Series
444674
This series of Notes was issued and sold upon the funding of the borrower loan #40834, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Jan-29-2010 |
| |
Auction end date:
| Feb-05-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $94.19 |
| |
|
Auction yield range:
| 11.06% - 34.00% |
Estimated loss impact:
| 10.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.52% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1992 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 5
/
5 | Length of status: | 5y 9m |
|
Credit score:
| 700-719 (Jan-2010) |
Total credit lines:
| 14 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $1,293 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $1,680 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| bsargent49 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 97% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 1
( 3% )
| 700-719
(Oct-2009)
640-659
(Dec-2007)
640-659
(Nov-2007)
620-639
(Dec-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
DEBT CONSOLIDATION: REBUILDING
THANKS FOR LOOKING!? I AM REQUESTING THIS LOAN TO PAY
OFF A FEW HIGH INTEREST CREDIT CARDS. THE 1 DELINQUENCY SHOWN ON MY PROFILE IS NOT MY CREDIT CARD, I HAVE BEEN DEALING WITH THE COLLECTION AGENCY FOR YEARS NOW AND HAVE SUBMITTED ALL OF THE INFORMATION NECESSARY FOR REMOVAL, BUT IT HAS NOT BEEN REMOVED. MY PROFILE SHOWS 1 LATE PAYMENT ON THE CURRENT PROSPER LOAN THAT I
HAVE. THIS PAYMENT WAS RETURNED, DUE TO A BANK ERROR. I CAN PROVIDE
DOCUMENTATION FROM MY BANK THAT STATES THIS WAS DONE IN ERROR. MY CURRENT JOB PAYS FOR MY VEHICLE PAYMENT AND INSURANCE,
SO IT SHOWS ON THE DTI BUT I DO NOT ACTUALLY PAY FOR IT.? THIS AMOUNT IS
PAID BY MY EMPLOYER ON MY MONTHLY EXPENSE REPORT SO IT IS NOT ACTUALLY SHOWN AS
PART OF MY INCOME. I WILL ALSO BE PAYING OFF MY CURRENT PROSPER LOAN. ?I
AM MORE THAN CAPABLE OF MAKING THE PAYMENTS ON THIS LOAN AS THE INTEREST RATES
ARE FAR LESS THAN THE CURRENT APR'S ON MY CREDIT CARDS.??
HERE IS A BREAKDOWN:
TAKE HOME WAGES-$3095.00
BILLS-
GAS & ELECTRIC= $100.00
MORTGAGE = $1100.00
PHONE = $45
DIRECTTV?= $70CREDIT CARDS=$100.00
PROSPER = $106.00
CELL PHONE = $100.00
TOTAL BILLS = $1626.00
AS YOU CAN SEE I HAVE MORE THAN ENOUGH LEFT TO MAKE THE PAYMENT ON THIS LOAN;?
I WILL BE PAYING OFF ALL OF YOU FINE LENDERS ON?MY CURRENT PROSPER LOAN
WHICH HAS A PAYOFF OF $320.00.?ON A FINAL NOTE,? ALL OF MY BILLS ARE
CURRENT AND PAID ON TIME EVERY MONTH.? MY PROFILE SHOWS 1 LATE PAYMENT ON THE CURRENT PROSPER LOAN THAT I HAVE. THIS PAYMENT WAS RETURNED, DUE TO A BANK ERROR. I CAN PROVIDE DOCUMENTATION FROM MY BANK THAT STATES THIS WAS DONE IN ERROR.
PLEASE HELP ME CUT UP THESE HIGH INTEREST CREDIT CARDS AND THROW THEM AWAY, AND
HELP PAY THE FINE LENDERS ON PROSPER TO MAKE THERE MONEY ALOT FASTER, I AM SURE
YOU WILL MAKE YOURS FASTER AS WELL.
THANKS IN ADVANCE FOR YOUR CONSIDERATION!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| econgineer | $29.53 | $29.53 | 1/29/2010 8:25:39 PM |
| Nasdaq | $25.00 | $25.00 | 1/30/2010 11:29:15 AM |
| SolarMoonshine | $100.00 | $100.00 | 2/1/2010 5:25:15 PM |
| MrPie | $25.00 | $25.00 | 2/2/2010 9:31:48 AM |
| good4loan | $25.00 | $25.00 | 2/2/2010 4:47:42 PM |
| FinanceEngine | $25.00 | $25.00 | 2/3/2010 11:49:36 AM |
| Feyenoord | $50.00 | $50.00 | 2/4/2010 3:00:59 AM |
| worthy-bid4 | $25.00 | $25.00 | 2/4/2010 4:42:10 PM |
| eboomer2611 | $25.00 | $25.00 | 2/4/2010 5:07:55 PM |
| marwadi-62 | $100.00 | $100.00 | 2/4/2010 7:00:54 PM |
| rebeldog67 | $50.00 | $50.00 | 2/4/2010 11:03:24 PM |
| onecooldrink | $25.00 | $25.00 | 2/4/2010 11:49:00 PM |
| wild-orange | $25.00 | $25.00 | 2/5/2010 1:03:18 AM |
| heritage_loans | $25.79 | $25.79 | 2/5/2010 3:47:01 AM |
| fatboy888 | $25.00 | $25.00 | 2/5/2010 5:39:38 AM |
| BrighterSuns | $25.00 | $25.00 | 2/5/2010 6:49:54 AM |
| The-CAPS-fan | $34.00 | $34.00 | 2/5/2010 8:54:51 AM |
| fairness-atmosphere | $25.00 | $25.00 | 2/5/2010 9:50:55 AM |
| five-star-note | $100.00 | $53.49 | 2/5/2010 10:01:45 AM |
| dudebrah | $25.00 | $25.00 | 2/5/2010 10:44:42 AM |
| Snoopylover | $25.00 | $25.00 | 2/5/2010 11:06:58 AM |
| bst | $48.26 | $48.26 | 2/5/2010 11:24:46 AM |
| deepblue34 | $30.00 | $30.00 | 2/5/2010 1:37:48 PM |
| ultimate-peace | $640.00 | $640.00 | 2/5/2010 3:53:48 PM |
| RTPCorporation | $50.00 | $50.00 | 2/5/2010 4:17:59 PM |
| UCSBGAUCHOS | $25.00 | $25.00 | 2/5/2010 3:55:26 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/5/2010 3:55:48 PM |
| Spinnaker | $50.00 | $50.00 | 2/5/2010 4:03:00 PM |
| friendinmoney | $100.00 | $100.00 | 2/5/2010 4:04:18 PM |
| the-silver-blaster | $45.00 | $45.00 | 2/5/2010 4:19:36 PM |
| Rancid | $25.00 | $25.00 | 2/5/2010 4:23:17 PM |
| Engineer44 | $25.00 | $25.00 | 2/5/2010 4:23:49 PM |
| worthy-bid4 | $25.00 | $25.00 | 1/30/2010 7:15:42 AM |
| twjh | $25.00 | $25.00 | 2/1/2010 5:16:47 PM |
| afterhours | $25.00 | $25.00 | 2/2/2010 7:45:45 PM |
| buvaet | $25.00 | $25.00 | 2/3/2010 7:55:57 AM |
| CoolPlexer | $33.93 | $33.93 | 2/3/2010 6:58:59 PM |
| Leshan | $100.00 | $100.00 | 2/4/2010 8:45:12 AM |
| rakey | $25.00 | $25.00 | 2/4/2010 4:17:22 PM |
| mistrmark | $50.00 | $50.00 | 2/5/2010 5:57:41 AM |
| Mikale360 | $25.00 | $25.00 | 2/5/2010 7:12:21 AM |
| MrLeft | $30.00 | $30.00 | 2/5/2010 7:44:20 AM |
| Capit0l | $25.00 | $25.00 | 2/5/2010 8:38:59 AM |
| plbquic | $25.00 | $25.00 | 2/5/2010 11:19:02 AM |
| Jinja | $30.00 | $30.00 | 2/5/2010 11:01:06 AM |
| realtormoises | $25.00 | $25.00 | 2/5/2010 11:19:26 AM |
| LAKETIME | $25.00 | $25.00 | 2/5/2010 11:55:03 AM |
| seadrg | $25.00 | $25.00 | 2/5/2010 1:09:31 PM |
| cdfmedic | $25.00 | $25.00 | 2/5/2010 3:59:25 PM |
| toxicbutterfly | $25.00 | $25.00 | 2/5/2010 3:59:40 PM |
| oreyedoc | $25.00 | $25.00 | 2/5/2010 4:21:50 PM |
| best-generosity-financier | $25.00 | $25.00 | 2/5/2010 4:12:19 PM |
| carrinel | $50.00 | $50.00 | 2/5/2010 3:58:36 PM |
| 53 bids
|
Borrower Payment Dependent Notes Series
444766
This series of Notes was issued and sold upon the funding of the borrower loan #40843, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Jan-29-2010 |
| |
Auction end date:
| Feb-05-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Final lender yield:
| 33.95% |
Final borrower rate/APR:
| 34.95% / 37.40% |
Final monthly payment:
| $180.83 |
| |
|
Auction yield range:
| 17.06% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.94% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 0m |
|
Credit score:
| 640-659 (Jan-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $4,118 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $159 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Waterlover |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolodating my Credit Cards
Purpose of loan:
This loan will be used to consolodate all three of my credit cards into one payment. My financial situation:
I am a good candidate for this loan because I care greatly about my credit and want to continue to increase my credit score. I am very reliable and have no late payments on my credit. I have a steady job as a software developer and have been working for my company for over 4 years. The only issues with my credit are: 2 medical collections from 5-6 years ago and my current credit utilization on my credit cards. This loan isn't so that I have more room on my credit cards to use them. It is to combine them. Thank you for reading (bidding) on my loan.
Monthly net income: $ 2521 Monthly expenses: $ 1862
? Housing: $ 350.00
? Insurance: $ 112.00
? Car expenses: $ 575.00
? Utilities: $ 75.00
? Phone, cable, internet: $ 100.00
? Food, entertainment: $250.00
? Clothing, household expenses $ 100.00
? Credit cards and other loans: $ 250.00
? Other expenses: $ 50.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| unk1911 | $25.00 | $25.00 | 1/30/2010 8:07:10 AM |
| RecoveryLender | $25.00 | $25.00 | 2/5/2010 6:52:11 AM |
| Leshan | $25.00 | $25.00 | 2/5/2010 9:27:31 AM |
| epic-payout | $25.00 | $25.00 | 2/5/2010 10:06:55 AM |
| LAKETIME | $25.00 | $25.00 | 2/5/2010 11:56:54 AM |
| BrighterSuns | $25.00 | $25.00 | 2/5/2010 11:41:38 AM |
| Bob450 | $50.00 | $50.00 | 2/5/2010 12:04:13 PM |
| investment-visionary | $35.44 | $35.44 | 2/5/2010 2:58:30 PM |
| piter-to-la-investment | $25.00 | $25.00 | 2/5/2010 2:58:38 PM |
| cunning-bill | $25.00 | $25.00 | 2/5/2010 4:14:54 PM |
| JauaFlash | $27.76 | $27.76 | 2/5/2010 3:57:15 PM |
| CashFlow13 | $4,000.00 | $2,603.73 | 2/5/2010 3:25:00 AM |
| lucrative-loan | $79.24 | $79.24 | 2/5/2010 3:25:51 AM |
| buffalobills | $25.00 | $25.00 | 2/5/2010 7:54:56 AM |
| The-CAPS-fan | $45.00 | $45.00 | 2/5/2010 8:57:07 AM |
| umfan123 | $25.00 | $25.00 | 2/5/2010 9:24:12 AM |
| AF-Chief | $25.00 | $25.00 | 2/5/2010 8:41:39 AM |
| Feyenoord | $25.00 | $25.00 | 2/5/2010 9:44:57 AM |
| oreyedoc | $25.00 | $25.00 | 2/5/2010 9:48:54 AM |
| PeterPsych | $200.00 | $200.00 | 2/5/2010 11:03:57 AM |
| realtormoises | $25.00 | $25.00 | 2/5/2010 11:17:51 AM |
| epic-payout | $63.47 | $63.47 | 2/5/2010 11:40:38 AM |
| TownsendOrg | $50.00 | $50.00 | 2/5/2010 1:04:17 PM |
| epic-payout | $25.00 | $25.00 | 2/5/2010 12:05:47 PM |
| DasMula | $53.95 | $53.95 | 2/5/2010 12:11:33 PM |
| RMC66 | $25.00 | $25.00 | 2/5/2010 12:24:13 PM |
| Calif-smo | $36.74 | $36.74 | 2/5/2010 2:13:06 PM |
| GyJAV_BNCCo | $30.00 | $30.00 | 2/5/2010 3:06:17 PM |
| UCSBGAUCHOS | $25.00 | $25.00 | 2/5/2010 3:16:33 PM |
| friendinmoney | $25.00 | $25.00 | 2/5/2010 3:42:18 PM |
| SolarMoonshine | $50.00 | $50.00 | 2/5/2010 3:15:55 PM |
| worldly-gold | $50.00 | $50.00 | 2/5/2010 3:21:29 PM |
| the-silver-blaster | $50.00 | $50.00 | 2/5/2010 4:18:50 PM |
| ds5184 | $48.24 | $48.24 | 2/5/2010 3:47:15 PM |
| jjsparks28 | $51.43 | $51.43 | 2/5/2010 4:16:32 PM |
| Engineer44 | $25.00 | $25.00 | 2/5/2010 4:25:09 PM |
| 36 bids
|
Borrower Payment Dependent Notes Series
444776
This series of Notes was issued and sold upon the funding of the borrower loan #40847, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Feb-01-2010 |
| |
Auction end date:
| Feb-05-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 17.06% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 3
/
2 | Length of status: | 0y 2m |
|
Credit score:
| 660-679 (Jan-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,145 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| a-meteoric-trade |
Borrower's state:
| Washington |
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 debt
Purpose of loan:
This loan will be used to? pay off a short term loan of $400 and 2 medical bills plus?I want to pay off some credit card debt
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 1400 to 1600 depends on how much over time I do but my base pay is 1400 a month
Monthly expenses: $
??Housing: $ 495.00
??Insurance: $ 52.00
??Car expenses: $ 0.0
??Utilities: $ 62.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $?150 for food
??Clothing, household expenses $ 0.0
??Credit cards and other loans: $ 175.00
??Other expenses: $ 0.0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please describe, in some detail, the stability and nature of your profession, your employment and your employer. Thanks much and best wishes. - reflective-rupee
A:
I use to be a caregiver for a in home company. But because of the economy in my area my hours had got cut. I am now working for a telecommunication company. I am now working 40 plus hours each week. My employer had a contract with AT&T (cell phone division) to take in inbound calls and each employee is given 40 hours a week or more.
(Feb-02-2010)
Q:
For each debt that your would like to pay off, please list the balance owed, the interest rate and the monthly payment. Please also list the balances owed for all of your other debts (ie, the ones that you would not pay off with this Prosper loan). - reflective-rupee
A:
I want to pay off 1 short term loan that is worth $400.00.
I have two medical bills, the first one is $150.00, the second one is $ $140.00
I have a credit card through my bank that I want to pay down, my monthly payments are $152.00 with an interest rate of 8.9 %. As to the rest of my debt what I stated on my form is truthfull
(Feb-02-2010)
Q:
see my page please. - Tono
A:
My monthly expensive total each month is 1,250.00
(Feb-02-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| careful-compassion | $25.00 | $25.00 | 2/1/2010 4:06:27 PM |
| social-conductor4 | $25.00 | $25.00 | 2/1/2010 4:11:57 PM |
| christifa | $25.00 | $25.00 | 2/1/2010 4:12:02 PM |
| finance-burger | $25.00 | $25.00 | 2/1/2010 4:12:28 PM |
| yield-explosion1 | $25.00 | $25.00 | 2/1/2010 4:12:27 PM |
| flexible-value | $25.00 | $25.00 | 2/1/2010 4:31:13 PM |
| JKEnterprises | $25.00 | $25.00 | 2/1/2010 4:31:44 PM |
| zone8 | $100.00 | $100.00 | 2/1/2010 4:37:50 PM |
| bold-principal-thinker | $25.00 | $25.00 | 2/1/2010 4:38:35 PM |
| note-tent | $25.00 | $25.00 | 2/1/2010 4:38:44 PM |
| WalnutCreekguy | $25.00 | $25.00 | 2/1/2010 4:38:48 PM |
| SongBirdProphecy | $25.00 | $25.00 | 2/1/2010 4:39:13 PM |
| handy-justice | $50.00 | $50.00 | 2/1/2010 4:38:53 PM |
| indomitable-dedication | $25.00 | $25.00 | 2/1/2010 4:39:28 PM |
| Diamond_Jim | $25.00 | $25.00 | 2/1/2010 4:39:15 PM |
| Orringo | $50.00 | $50.00 | 2/1/2010 4:39:39 PM |
| forthright-dedication | $25.00 | $25.00 | 2/1/2010 4:39:36 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/1/2010 4:41:28 PM |
| kellydawn | $25.00 | $25.00 | 2/1/2010 4:41:37 PM |
| wampum-proton | $25.00 | $25.00 | 2/1/2010 4:41:55 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/1/2010 4:42:33 PM |
| penny-surgeon | $25.00 | $25.00 | 2/1/2010 4:42:09 PM |
| Phantom99 | $25.00 | $25.00 | 2/1/2010 4:42:11 PM |
| kind-efficient-credit | $25.00 | $25.00 | 2/1/2010 4:42:52 PM |
| Msbutterfly | $25.00 | $25.00 | 2/1/2010 4:44:54 PM |
| maxq101F15 | $25.00 | $25.00 | 2/1/2010 4:45:05 PM |
| Amphipolis | $25.00 | $25.00 | 2/1/2010 4:46:06 PM |
| brycelogan | $25.00 | $25.00 | 2/1/2010 4:45:32 PM |
| zigx | $25.00 | $25.00 | 2/1/2010 4:47:52 PM |
| brooklynjoe | $25.00 | $25.00 | 2/1/2010 4:59:07 PM |
| nourishing-hope835 | $25.00 | $25.00 | 2/1/2010 4:59:04 PM |
| ingenious-deal6 | $25.00 | $25.00 | 2/1/2010 4:37:29 PM |
| time4aloan | $25.00 | $25.00 | 2/1/2010 4:39:19 PM |
| falcon88dp | $25.00 | $25.00 | 2/1/2010 4:39:31 PM |
| euro-banker | $25.00 | $25.00 | 2/1/2010 4:39:42 PM |
| tntbuzz | $25.00 | $25.00 | 2/1/2010 4:44:59 PM |
| elegant-capital | $25.00 | $25.00 | 2/1/2010 4:45:52 PM |
| Capit0l | $25.00 | $25.00 | 2/1/2010 8:32:52 PM |
| tsg2007 | $25.00 | $25.00 | 2/1/2010 4:59:02 PM |
| NYretire | $25.00 | $25.00 | 2/2/2010 7:01:01 AM |
| helping-out | $30.00 | $23.61 | 2/2/2010 1:02:06 PM |
| reflective-rupee | $25.00 | $25.00 | 2/2/2010 11:09:01 AM |
| MrPie | $25.00 | $25.00 | 2/2/2010 1:25:10 PM |
| Peterman | $25.00 | $25.00 | 2/2/2010 3:46:58 PM |
| buvaet | $25.00 | $25.00 | 2/3/2010 8:09:14 AM |
| xfbpl | $50.00 | $50.00 | 2/3/2010 3:57:38 PM |
| scarlet-velvet | $25.00 | $25.00 | 2/4/2010 9:27:05 AM |
| reflective-rupee | $25.00 | $25.00 | 2/4/2010 4:45:16 PM |
| reflective-rupee | $25.00 | $25.00 | 2/4/2010 4:46:56 PM |
| reflective-rupee | $25.00 | $25.00 | 2/4/2010 4:45:30 PM |
| reflective-rupee | $25.00 | $25.00 | 2/4/2010 4:46:27 PM |
| loss-of-control | $25.00 | $25.00 | 2/4/2010 6:12:18 PM |
| NS_Consult | $25.00 | $25.00 | 2/5/2010 11:48:00 AM |
| SV-AZ | $25.00 | $25.00 | 2/5/2010 1:54:02 PM |
| neerglopnire | $25.00 | $25.00 | 2/1/2010 4:12:26 PM |
| jleng | $25.00 | $25.00 | 2/1/2010 4:06:29 PM |
| selfmademan | $25.00 | $25.00 | 2/1/2010 4:21:36 PM |
| famous-bill | $75.00 | $75.00 | 2/1/2010 4:12:06 PM |
| jtodd37 | $50.00 | $50.00 | 2/1/2010 4:31:37 PM |
| NorthernFunds | $25.00 | $25.00 | 2/1/2010 4:21:13 PM |
| jscig | $25.00 | $25.00 | 2/1/2010 4:38:16 PM |
| PRGuyinVA | $25.00 | $25.00 | 2/1/2010 4:38:29 PM |
| putian47 | $25.00 | $25.00 | 2/1/2010 4:39:23 PM |
| MidLifeCrisis | $25.00 | $25.00 | 2/1/2010 4:39:06 PM |
| rock-turner | $50.00 | $50.00 | 2/1/2010 4:39:26 PM |
| kindness-hickory5 | $25.00 | $25.00 | 2/1/2010 4:39:43 PM |
| IIP77 | $25.00 | $25.00 | 2/1/2010 4:39:51 PM |
| theprince | $25.00 | $25.00 | 2/1/2010 4:42:07 PM |
| order-boomerang | $25.00 | $25.00 | 2/1/2010 4:42:13 PM |
| yomanie | $25.00 | $25.00 | 2/1/2010 4:42:20 PM |
| Wilvara | $25.00 | $25.00 | 2/1/2010 4:41:52 PM |
| scoobiedoo | $25.00 | $25.00 | 2/1/2010 4:42:42 PM |
| m_srini | $25.00 | $25.00 | 2/1/2010 4:45:02 PM |
| unk1911 | $25.00 | $25.00 | 2/1/2010 5:01:35 PM |
| larrybird | $100.00 | $100.00 | 2/1/2010 4:38:58 PM |
| Soxxes | $25.00 | $25.00 | 2/1/2010 4:39:03 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/1/2010 5:28:01 PM |
| rosario1 | $25.00 | $25.00 | 2/1/2010 4:41:34 PM |
| cash-tsunami | $25.00 | $25.00 | 2/1/2010 4:43:40 PM |
| Kijib | $25.00 | $25.00 | 2/1/2010 4:45:45 PM |
| MM1207 | $25.00 | $25.00 | 2/1/2010 4:45:54 PM |
| galtsgulch | $25.00 | $25.00 | 2/1/2010 4:59:00 PM |
| DasMula | $25.00 | $25.00 | 2/1/2010 9:30:01 PM |
| Bob450 | $25.00 | $25.00 | 2/1/2010 9:38:27 PM |
| CPAMAN | $25.00 | $25.00 | 2/1/2010 5:02:25 PM |
| ThisGuyIKnow | $25.00 | $25.00 | 2/1/2010 6:36:08 PM |
| nilonc1 | $75.00 | $75.00 | 2/2/2010 12:47:15 PM |
| cunning-bill | $25.00 | $25.00 | 2/2/2010 10:24:42 AM |
| buffalobills | $25.00 | $25.00 | 2/2/2010 2:18:13 PM |
| honorable-yield | $25.00 | $25.00 | 2/3/2010 8:25:36 AM |
| econgineer | $25.00 | $25.00 | 2/4/2010 5:56:06 AM |
| reflective-rupee | $25.00 | $25.00 | 2/4/2010 4:46:13 PM |
| Autolex | $25.00 | $25.00 | 2/4/2010 4:18:11 PM |
| reflective-rupee | $25.00 | $25.00 | 2/4/2010 4:46:43 PM |
| reflective-rupee | $25.00 | $25.00 | 2/4/2010 4:45:48 PM |
| kevlar | $26.39 | $26.39 | 2/4/2010 6:03:55 PM |
| unger | $50.00 | $50.00 | 2/4/2010 7:41:15 PM |
| punctual-dedication | $50.00 | $50.00 | 2/4/2010 7:47:10 PM |
| dudebrah | $25.00 | $25.00 | 2/5/2010 10:34:58 AM |
| five-star-note | $50.00 | $50.00 | 2/5/2010 12:15:48 PM |
| tigercat | $50.00 | $50.00 | 2/5/2010 12:16:29 PM |
| 101 bids
|
Borrower Payment Dependent Notes Series
444822
This series of Notes was issued and sold upon the funding of the borrower loan #40837, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Feb-01-2010 |
| |
Auction end date:
| Feb-06-2010 |
|
|
Starting lender yield:
| 7.40% |
Starting borrower rate/APR:
| 8.40% / 10.49% |
Starting monthly payment:
| $141.85 |
|
Final lender yield:
| 7.35% |
Final borrower rate/APR:
| 8.35% / 10.44% |
Final monthly payment:
| $141.74 |
| |
|
Auction yield range:
| 4.06% - 7.40% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.24% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 10
/
6 | Length of status: | 2y 7m |
|
Credit score:
| 720-739 (Jan-2010) |
Total credit lines:
| 21 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,323 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| Trustworthy-Loyal |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt
Purpose of loan:
This loan will be used to?pay off outstanding debt! I would ?also like pay off?a credit card that was used alot when i was in?college?, I wasn't able to get a job while in college because i played 4 years of?college baseball ?! Playing a collge sport was pretty much a full time job, so using a credit card was a norm!
My financial situation:
I am a good candidate for this loan because? I have a excellent paying job at such a bad time with our economy!? I deal poker for one of the top casino's in the country!? I don't have to worry about my job security , we are the biggest casino?and spread the higgest stakes in the midwest ,? people from all over the country travel here to play poker!? We hold a world series of poker circuit event every year and with an economy as bad as our is we still break attendence records!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| skuba | $50.00 | $50.00 | 2/1/2010 4:08:39 PM |
| DonaldColorado | $25.00 | $25.00 | 2/1/2010 4:14:30 PM |
| bchen78875 | $50.00 | $50.00 | 2/1/2010 4:33:35 PM |
| inspired-contract9 | $50.00 | $50.00 | 2/1/2010 4:33:48 PM |
| Walkingcowboy | $25.00 | $25.00 | 2/1/2010 4:33:59 PM |
| delicious-social132 | $25.00 | $25.00 | 2/1/2010 4:34:26 PM |
| peerlender | $30.00 | $30.00 | 2/1/2010 4:35:03 PM |
| kmr2 | $100.00 | $100.00 | 2/1/2010 4:34:54 PM |
| junctionking | $25.00 | $25.00 | 2/1/2010 4:36:06 PM |
| kanakakm | $50.00 | $50.00 | 2/1/2010 4:35:55 PM |
| loan-master996 | $50.00 | $50.00 | 2/1/2010 4:36:54 PM |
| desertoasis | $25.00 | $25.00 | 2/1/2010 4:37:36 PM |
| Havana21 | $25.00 | $25.00 | 2/1/2010 4:37:18 PM |
| GElender | $50.00 | $50.00 | 2/1/2010 4:37:24 PM |
| LandE2BG | $25.00 | $25.00 | 2/1/2010 4:38:03 PM |
| meenan | $25.00 | $25.00 | 2/1/2010 4:40:38 PM |
| personal-lender | $25.00 | $25.00 | 2/1/2010 4:40:55 PM |
| theprince | $25.00 | $25.00 | 2/1/2010 4:42:01 PM |
| grampy48 | $25.00 | $25.00 | 2/1/2010 4:43:14 PM |
| buckyhead2000 | $25.00 | $25.00 | 2/1/2010 4:42:45 PM |
| trade-trumpet | $25.00 | $25.00 | 2/1/2010 4:43:25 PM |
| skvat | $25.00 | $25.00 | 2/1/2010 4:43:06 PM |
| blooming-market | $25.00 | $25.00 | 2/1/2010 4:44:17 PM |
| gracej | $25.00 | $25.00 | 2/1/2010 4:46:13 PM |
| supreme-hope | $25.00 | $25.00 | 2/1/2010 4:36:35 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/1/2010 4:37:01 PM |
| poeman | $25.00 | $25.00 | 2/1/2010 5:04:45 PM |
| kulender | $30.00 | $30.00 | 2/1/2010 4:41:23 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/1/2010 4:42:28 PM |
| DukSerduk | $25.00 | $25.00 | 2/1/2010 4:46:51 PM |
| exchange-cub | $25.00 | $25.00 | 2/1/2010 4:47:41 PM |
| IIP77 | $25.00 | $25.00 | 2/1/2010 9:34:18 PM |
| kchen486 | $25.00 | $25.00 | 2/1/2010 11:05:36 PM |
| unequaled-loyalty7 | $25.00 | $25.00 | 2/2/2010 9:36:04 AM |
| CardCapDude | $25.00 | $25.00 | 2/2/2010 9:36:19 AM |
| the-financier814 | $25.00 | $25.00 | 2/1/2010 8:45:51 PM |
| Pickmar | $25.00 | $25.00 | 2/2/2010 11:50:25 AM |
| nestegg4e | $25.00 | $25.00 | 2/2/2010 12:25:34 PM |
| Beachbum27 | $25.00 | $25.00 | 2/2/2010 7:36:13 AM |
| falcon245sp | $25.00 | $25.00 | 2/2/2010 1:41:58 PM |
| reinforced-reward | $25.00 | $25.00 | 2/2/2010 8:07:52 AM |
| bigbucksfunding | $25.00 | $25.00 | 2/2/2010 2:42:10 PM |
| mikeandcat | $100.00 | $100.00 | 2/2/2010 4:48:26 PM |
| hope-hickory | $25.00 | $25.00 | 2/2/2010 5:07:35 PM |
| honorable-yield | $75.00 | $75.00 | 2/2/2010 4:46:00 PM |
| rulender | $50.00 | $50.00 | 2/3/2010 4:42:39 PM |
| head | $25.00 | $25.00 | 2/3/2010 4:44:40 PM |
| buukyak | $25.00 | $25.00 | 2/3/2010 4:43:06 PM |
| Red4Golf | $25.00 | $25.00 | 2/3/2010 4:43:42 PM |
| julijask | $35.00 | $35.00 | 2/3/2010 4:44:19 PM |
| circustab | $50.00 | $50.00 | 2/4/2010 7:18:23 AM |
| red-trade-cologne | $25.00 | $25.00 | 2/4/2010 10:44:48 AM |
| bigballer105 | $25.00 | $25.00 | 2/4/2010 11:10:19 AM |
| rmachi | $25.00 | $25.00 | 2/4/2010 11:17:38 AM |
| nuclearmoose | $25.00 | $25.00 | 2/4/2010 11:47:28 AM |
| majormoves1 | $25.00 | $25.00 | 2/4/2010 2:07:53 PM |
| LKN2RTR | $25.00 | $25.00 | 2/4/2010 5:34:58 PM |
| mykkai | $25.00 | $25.00 | 2/4/2010 5:34:57 PM |
| kind-funds-tonic | $25.00 | $25.00 | 2/5/2010 6:31:28 AM |
| dontscrewmeover1 | $25.00 | $25.00 | 2/5/2010 10:08:45 AM |
| sinner_c5 | $30.00 | $30.00 | 2/5/2010 9:19:54 PM |
| kenji4861 | $25.00 | $25.00 | 2/1/2010 4:14:17 PM |
| lean-velocity | $25.00 | $25.00 | 2/1/2010 4:14:25 PM |
| schpere | $30.00 | $30.00 | 2/1/2010 4:34:07 PM |
| Cai8899 | $75.00 | $75.00 | 2/1/2010 4:34:11 PM |
| market-builder | $25.00 | $25.00 | 2/1/2010 4:34:20 PM |
| dealarella | $25.00 | $25.00 | 2/1/2010 4:34:38 PM |
| thedoctor | $90.00 | $90.00 | 2/1/2010 4:35:11 PM |
| AFairDeal | $25.00 | $25.00 | 2/1/2010 4:34:46 PM |
| determined-contract | $30.00 | $30.00 | 2/1/2010 4:35:37 PM |
| commerce-web5 | $40.00 | $40.00 | 2/1/2010 4:35:25 PM |
| dollar-birdie | $30.00 | $30.00 | 2/1/2010 4:35:42 PM |
| auction-elvis | $25.00 | $25.00 | 2/1/2010 4:36:46 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/1/2010 4:37:43 PM |
| commerce-voyager | $25.00 | $25.00 | 2/1/2010 4:38:23 PM |
| credit-force5 | $25.00 | $25.00 | 2/1/2010 4:41:08 PM |
| social-conductor4 | $25.00 | $25.00 | 2/1/2010 4:41:43 PM |
| bowdish1 | $100.00 | $100.00 | 2/1/2010 4:34:32 PM |
| screenname03 | $25.00 | $25.00 | 2/1/2010 4:46:27 PM |
| penny-zeus | $25.00 | $25.00 | 2/1/2010 4:47:24 PM |
| gold-commander0 | $50.00 | $50.00 | 2/1/2010 4:47:05 PM |
| selector568 | $500.00 | $500.00 | 2/1/2010 4:47:08 PM |
| rolandweary | $30.00 | $30.00 | 2/1/2010 4:35:49 PM |
| first-pragmatic-note | $25.00 | $25.00 | 2/1/2010 4:35:59 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/1/2010 4:36:11 PM |
| lloyd_s | $25.00 | $25.00 | 2/1/2010 4:40:46 PM |
| exciting-responsibility3 | $25.00 | $25.00 | 2/1/2010 4:41:14 PM |
| all_of_that_one | $25.00 | $25.00 | 2/1/2010 4:42:58 PM |
| moola-escalator | $50.00 | $50.00 | 2/1/2010 4:43:34 PM |
| AF-Chief | $28.00 | $28.00 | 2/1/2010 4:44:35 PM |
| br4444 | $25.00 | $25.00 | 2/1/2010 4:45:24 PM |
| MM1207 | $25.00 | $25.00 | 2/1/2010 4:45:59 PM |
| forthright-dedication | $25.00 | $25.00 | 2/1/2010 4:46:19 PM |
| djs81 | $25.00 | $25.00 | 2/1/2010 4:47:58 PM |
| Hexnut | $50.00 | $50.00 | 2/1/2010 10:57:09 PM |
| HawaiiBoy75 | $25.00 | $25.00 | 2/2/2010 12:20:53 AM |
| blissful-note7 | $25.00 | $25.00 | 2/2/2010 9:36:36 AM |
| BigMoney56 | $25.00 | $25.00 | 2/2/2010 12:03:26 PM |
| helping-out | $25.00 | $25.00 | 2/2/2010 12:58:46 PM |
| bigphish | $25.00 | $25.00 | 2/2/2010 8:40:38 AM |
| elasermd | $50.00 | $50.00 | 2/2/2010 4:45:58 PM |
| AndrewNikolas | $25.00 | $25.00 | 2/2/2010 4:48:49 PM |
| AmericanCredit | $25.00 | $25.00 | 2/3/2010 5:36:55 AM |
| worthy-bid4 | $25.00 | $25.00 | 2/3/2010 9:22:29 AM |
| BoutYeBank | $50.00 | $50.00 | 2/3/2010 9:43:45 AM |
| CAGE-Investments | $100.00 | $100.00 | 2/3/2010 2:17:00 PM |
| nhm | $25.00 | $25.00 | 2/3/2010 4:39:41 PM |
| KiwiElf | $30.00 | $30.00 | 2/3/2010 4:45:50 PM |
| greenwell | $50.00 | $50.00 | 2/3/2010 4:46:55 PM |
| highcountry1 | $25.00 | $25.00 | 2/3/2010 4:47:18 PM |
| flwah | $25.00 | $25.00 | 2/3/2010 4:46:49 PM |
| credit-coach118 | $40.00 | $40.00 | 2/3/2010 4:51:47 PM |
| morpholog | $25.00 | $25.00 | 2/4/2010 11:47:25 AM |
| Sixmil | $25.00 | $25.00 | 2/4/2010 11:31:30 AM |
| Cheburashka | $30.00 | $30.00 | 2/4/2010 12:53:48 PM |
| sh71 | $25.00 | $25.00 | 2/4/2010 1:00:49 PM |
| rjblack | $50.00 | $50.00 | 2/4/2010 4:35:30 PM |
| Railbird | $25.00 | $25.00 | 2/4/2010 4:35:22 PM |
| lowrate | $25.00 | $22.00 | 2/4/2010 5:35:00 PM |
| Blue_HorseShoe | $25.00 | $25.00 | 2/4/2010 5:34:59 PM |
| PatRichi | $25.00 | $25.00 | 2/4/2010 5:34:58 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/4/2010 7:09:42 PM |
| 1SteelerFan | $25.00 | $25.00 | 2/5/2010 1:17:57 PM |
| JerryB96 | $25.00 | $25.00 | 2/5/2010 10:16:37 PM |
| 124 bids
|
Borrower Payment Dependent Notes Series
445366
This series of Notes was issued and sold upon the funding of the borrower loan #40840, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Feb-03-2010 |
| |
Auction end date:
| Feb-07-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 17.06% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 6m |
|
Credit score:
| 640-659 (Jan-2010) |
Total credit lines:
| 19 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,137 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| CyberCapital |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 33 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 620-639
(Jan-2008)
620-639
(Oct-2007)
600-619
(Dec-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Mortgage Banker consolidating debt
My?previous Prosper loan was paid off early and my score has increased over 40 points since my last Prosper loan (on which I was never late).
The reason my score is a little beat up was that I had multiple student loans that were not reporting in deferrment before I consolidated them.?
I also have two small balance credit cards that are over 50% of the available credit line which also reduces my score.
I lowered the amount of the loan and will utilize?loan proceeds?to pay off the two credit cards (balances = 1140 and pay down my car loan so that I can pay off the small balance on the car next month). Paying off the credit cards and the car loan will help my credit score increase so I can refinance my house at a lower rate and save approximately $150 per month on my mortgage. Without the $50 in credit card payments, with the car payment gone, and the refinance, it saves me approximately $535.00 per month which is way more than the prosper loan payment.
Current Monthly?Budget?
Mortgage?Payment??????????????????????$ 1160? (incl taxes & insurance)
Car Payment???????????????????????????????????335? ( 5,243.27 balance - will be partially paid off with this loan, and will pay the remaining balance next month)
Student Loan Payment???????????????????? 215? (just consolidated all the loans onto a 4% repayment)
Car Insurance????????????????????????????????????90
Household expenses??????????????????????? 475? (groceries, utilities, cable, etc.)??
?????????????????????????????????????Total Expenses??????????$ 2400.00?
????????????????????????????????????Wages??????????? 5833.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| social-conductor4 | $25.00 | $25.00 | 2/3/2010 4:00:06 PM |
| famous-bill | $75.00 | $75.00 | 2/3/2010 4:03:07 PM |
| putian47 | $25.00 | $25.00 | 2/3/2010 4:12:50 PM |
| indomitable-dedication | $25.00 | $25.00 | 2/3/2010 4:12:55 PM |
| frugalinvestor20 | $25.00 | $25.00 | 2/3/2010 4:13:08 PM |
| kellydawn | $25.00 | $25.00 | 2/3/2010 4:13:30 PM |
| rock-turner | $50.00 | $50.00 | 2/3/2010 4:12:52 PM |
| PRGuyinVA | $25.00 | $25.00 | 2/3/2010 4:23:55 PM |
| WalnutCreekguy | $25.00 | $25.00 | 2/3/2010 4:23:58 PM |
| larrybird | $100.00 | $100.00 | 2/3/2010 4:24:01 PM |
| SongBirdProphecy | $50.00 | $50.00 | 2/3/2010 4:24:04 PM |
| lucrative-loan | $100.00 | $100.00 | 2/3/2010 4:24:19 PM |
| JKEnterprises | $25.00 | $25.00 | 2/3/2010 4:22:28 PM |
| brightest-income-hunter | $25.00 | $25.00 | 2/3/2010 4:24:40 PM |
| h_corey | $25.00 | $25.00 | 2/3/2010 4:39:07 PM |
| ingenious-deal6 | $25.00 | $25.00 | 2/3/2010 4:23:40 PM |
| Amphipolis | $25.00 | $25.00 | 2/3/2010 4:24:10 PM |
| Diamond_Jim | $25.00 | $25.00 | 2/3/2010 4:12:46 PM |
| time4aloan | $25.00 | $25.00 | 2/3/2010 4:12:48 PM |
| euro-banker | $25.00 | $25.00 | 2/3/2010 4:13:03 PM |
| noble-revenue | $25.00 | $25.00 | 2/3/2010 4:42:02 PM |
| Wilvara | $25.00 | $25.00 | 2/3/2010 4:13:34 PM |
| penny-surgeon | $25.00 | $25.00 | 2/3/2010 4:13:40 PM |
| tuneman1980 | $25.00 | $25.00 | 2/3/2010 4:40:33 PM |
| tntbuzz | $25.00 | $25.00 | 2/3/2010 4:14:12 PM |
| IIP77 | $25.00 | $25.00 | 2/3/2010 4:44:26 PM |
| affluence-cargo | $25.00 | $25.00 | 2/3/2010 4:48:38 PM |
| flexible-value | $25.00 | $25.00 | 2/3/2010 4:22:27 PM |
| GeoLender | $25.00 | $25.00 | 2/3/2010 6:55:50 PM |
| DasMula | $25.00 | $25.00 | 2/3/2010 5:16:26 PM |
| movistar | $25.00 | $25.00 | 2/3/2010 7:10:57 PM |
| handy-justice | $50.00 | $50.00 | 2/3/2010 4:23:59 PM |
| Soxxes | $25.00 | $25.00 | 2/3/2010 4:24:02 PM |
| elegant-capital | $25.00 | $25.00 | 2/3/2010 4:24:09 PM |
| CPAMAN | $25.00 | $25.00 | 2/3/2010 4:24:16 PM |
| boybutter | $25.00 | $25.00 | 2/3/2010 8:50:18 PM |
| billete | $25.00 | $25.00 | 2/3/2010 6:26:27 PM |
| burrito6 | $25.00 | $25.00 | 2/3/2010 4:45:29 PM |
| Peterman | $45.00 | $45.00 | 2/3/2010 6:01:04 PM |
| Bob450 | $50.00 | $50.00 | 2/3/2010 8:42:05 PM |
| charlieok | $25.00 | $25.00 | 2/4/2010 1:10:30 AM |
| privatebankerva | $25.00 | $25.00 | 2/4/2010 7:58:42 AM |
| ThisGuyIKnow | $25.00 | $25.00 | 2/4/2010 8:10:52 AM |
| auction-workhorse679 | $25.00 | $25.00 | 2/4/2010 9:35:48 AM |
| BankofBen | $25.00 | $25.00 | 2/4/2010 11:27:37 AM |
| heritage_loans | $25.00 | $25.00 | 2/4/2010 12:02:12 PM |
| CASHGIRL | $25.00 | $25.00 | 2/4/2010 12:28:30 PM |
| Aberdeen | $300.00 | $300.00 | 2/4/2010 1:48:21 PM |
| rubylender | $25.00 | $25.00 | 2/4/2010 4:05:12 PM |
| reflective-rupee | $40.00 | $40.00 | 2/4/2010 5:05:56 PM |
| unk1911 | $25.00 | $25.00 | 2/4/2010 5:40:20 PM |
| MoneyForNothing | $25.00 | $25.00 | 2/4/2010 9:16:17 PM |
| JustMee | $25.00 | $25.00 | 2/4/2010 9:29:57 PM |
| Kash2010lu | $35.00 | $35.00 | 2/4/2010 8:19:22 PM |
| BlindJoeDeath | $25.00 | $11.30 | 2/4/2010 10:39:41 PM |
| dcm6276 | $25.00 | $25.00 | 2/5/2010 6:30:09 AM |
| tigercat | $50.00 | $50.00 | 2/5/2010 12:11:55 PM |
| reflective-rupee | $50.00 | $50.00 | 2/5/2010 2:13:53 PM |
| twjh | $25.00 | $25.00 | 2/5/2010 1:54:00 PM |
| reflective-rupee | $50.00 | $50.00 | 2/5/2010 2:08:59 PM |
| GyJAV_BNCCo | $25.00 | $25.00 | 2/5/2010 3:39:12 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/5/2010 4:39:04 PM |
| 77scout | $52.54 | $52.54 | 2/5/2010 6:46:42 PM |
| hellasow | $25.00 | $25.00 | 2/6/2010 12:12:25 PM |
| integrity-doctor | $50.00 | $50.00 | 2/6/2010 2:10:22 PM |
| Orringo | $50.00 | $50.00 | 2/3/2010 4:13:01 PM |
| Phantom99 | $25.00 | $25.00 | 2/3/2010 4:13:41 PM |
| cash-tsunami | $25.00 | $25.00 | 2/3/2010 4:14:07 PM |
| MidLifeCrisis | $25.00 | $25.00 | 2/3/2010 4:12:44 PM |
| MM1207 | $25.00 | $25.00 | 2/3/2010 4:14:21 PM |
| falcon88dp | $25.00 | $25.00 | 2/3/2010 4:12:58 PM |
| wampum-proton | $25.00 | $25.00 | 2/3/2010 4:13:35 PM |
| theprince | $25.00 | $25.00 | 2/3/2010 4:13:39 PM |
| scoobiedoo | $25.00 | $25.00 | 2/3/2010 4:13:54 PM |
| Kijib | $25.00 | $25.00 | 2/3/2010 4:14:20 PM |
| note-tent | $25.00 | $25.00 | 2/3/2010 4:23:56 PM |
| rosario1 | $25.00 | $25.00 | 2/3/2010 4:24:06 PM |
| selector568 | $50.00 | $50.00 | 2/3/2010 4:39:33 PM |
| zone8 | $100.00 | $100.00 | 2/3/2010 4:23:47 PM |
| bold-principal-thinker | $25.00 | $25.00 | 2/3/2010 4:23:56 PM |
| kindness-hickory5 | $25.00 | $25.00 | 2/3/2010 4:24:06 PM |
| Msbutterfly | $25.00 | $25.00 | 2/3/2010 4:24:07 PM |
| kind-efficient-credit | $25.00 | $25.00 | 2/3/2010 4:24:27 PM |
| forthright-dedication | $25.00 | $25.00 | 2/3/2010 4:13:00 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/3/2010 4:13:47 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/3/2010 4:40:54 PM |
| Iceman1347 | $25.00 | $25.00 | 2/3/2010 4:41:37 PM |
| helping-out | $30.00 | $30.00 | 2/3/2010 4:46:28 PM |
| archeanchaos | $25.00 | $25.00 | 2/3/2010 5:02:30 PM |
| selfmademan | $25.00 | $25.00 | 2/3/2010 4:21:39 PM |
| jscig | $25.00 | $25.00 | 2/3/2010 4:23:53 PM |
| ryan23 | $25.00 | $25.00 | 2/3/2010 4:45:09 PM |
| Danlo123 | $25.00 | $25.00 | 2/4/2010 6:11:37 AM |
| Vess | $25.00 | $25.00 | 2/4/2010 9:34:59 AM |
| fairness-atmosphere | $25.00 | $25.00 | 2/4/2010 9:52:15 AM |
| order-boomerang | $25.00 | $25.00 | 2/4/2010 10:14:01 AM |
| mizount | $25.00 | $25.00 | 2/4/2010 12:10:58 PM |
| innovator2 | $100.00 | $100.00 | 2/4/2010 12:41:14 PM |
| samo102us | $25.00 | $25.00 | 2/4/2010 4:27:23 PM |
| unequaled-credit7 | $25.00 | $25.00 | 2/4/2010 8:01:21 PM |
| CoolPlexer | $39.16 | $39.16 | 2/4/2010 9:02:05 PM |
| all4him777 | $25.00 | $25.00 | 2/5/2010 7:20:11 AM |
| five-star-note | $50.00 | $50.00 | 2/5/2010 12:11:37 PM |
| twjh | $25.00 | $25.00 | 2/5/2010 2:10:47 PM |
| SV-AZ | $50.00 | $50.00 | 2/5/2010 1:50:19 PM |
| reflective-rupee | $50.00 | $50.00 | 2/5/2010 2:13:37 PM |
| dslobbs | $50.00 | $50.00 | 2/6/2010 7:40:05 AM |
| eronyc | $25.00 | $25.00 | 2/6/2010 8:59:41 AM |
| prudent-gain7 | $25.00 | $25.00 | 2/6/2010 6:35:50 AM |
| dslobbs | $50.00 | $50.00 | 2/6/2010 7:39:41 AM |
| marwadi-62 | $100.00 | $100.00 | 2/6/2010 7:32:41 PM |
| rallytime | $44.00 | $44.00 | 2/6/2010 8:45:37 PM |
| new-poetic-transaction | $28.00 | $28.00 | 2/6/2010 11:08:37 PM |
| 113 bids
|
Borrower Payment Dependent Notes Series
445486
This series of Notes was issued and sold upon the funding of the borrower loan #40818, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Feb-04-2010 |
| |
Auction end date:
| Feb-04-2010 |
|
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 8.84% |
Starting monthly payment:
| $31.57 |
|
Final lender yield:
| 6.45% |
Final borrower rate/APR:
| 7.45% / 7.79% |
Final monthly payment:
| $31.08 |
| |
|
Auction yield range:
| 3.06% - 7.50% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.95% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 8m |
|
Credit score:
| 800-819 (Feb-2010) |
Total credit lines:
| 23 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,344 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| funds-storm |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Catching up on Bills
Purpose of loan:
Catch up my Bills. Make Mortgage Payment and Credit card payment.
Financial situation:
I am a good candidate for this loan because I will make the payments, It much easier to pay back 1000 in smaller payments.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| skuba | $25.00 | $25.00 | 2/4/2010 5:13:30 PM |
| selector568 | $250.00 | $250.00 | 2/4/2010 5:18:44 PM |
| commerce-voyager | $25.00 | $25.00 | 2/4/2010 5:24:46 PM |
| theprince | $25.00 | $25.00 | 2/4/2010 5:25:38 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/4/2010 5:25:50 PM |
| skvat | $25.00 | $25.00 | 2/4/2010 5:26:00 PM |
| kulender | $30.00 | $30.00 | 2/4/2010 5:25:32 PM |
| br4444 | $25.00 | $25.00 | 2/4/2010 5:26:24 PM |
| gold-commander0 | $50.00 | $50.00 | 2/4/2010 5:26:29 PM |
| moola-escalator | $50.00 | $50.00 | 2/4/2010 5:26:09 PM |
| mlopez2007 | $50.00 | $50.00 | 2/4/2010 5:25:55 PM |
| blooming-market | $25.00 | $25.00 | 2/4/2010 5:26:15 PM |
| penny-zeus | $25.00 | $25.00 | 2/4/2010 5:26:34 PM |
| CardCapDude | $25.00 | $25.00 | 2/4/2010 5:26:46 PM |
| DonaldColorado | $25.00 | $25.00 | 2/4/2010 5:12:34 PM |
| kenji4861 | $25.00 | $25.00 | 2/4/2010 5:12:55 PM |
| lean-velocity | $25.00 | $25.00 | 2/4/2010 5:13:01 PM |
| meenan | $25.00 | $25.00 | 2/4/2010 5:25:06 PM |
| personal-lender | $25.00 | $25.00 | 2/4/2010 5:25:21 PM |
| trade-trumpet | $25.00 | $25.00 | 2/4/2010 5:26:04 PM |
| credit-force5 | $25.00 | $25.00 | 2/4/2010 5:25:27 PM |
| AF-Chief | $28.00 | $28.00 | 2/4/2010 5:26:19 PM |
| lloyd_s | $25.00 | $25.00 | 2/4/2010 5:25:15 PM |
| blissful-note7 | $25.00 | $17.00 | 2/4/2010 5:26:50 PM |
| marwadi-62 | $100.00 | $100.00 | 2/4/2010 7:14:29 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
445774
This series of Notes was issued and sold upon the funding of the borrower loan #40821, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-11-2010 |
|
|
Starting lender yield:
| 20.08% |
Starting borrower rate/APR:
| 21.08% / 24.89% |
Starting monthly payment:
| $37.72 |
|
Final lender yield:
| 18.90% |
Final borrower rate/APR:
| 19.90% / 23.68% |
Final monthly payment:
| $37.11 |
| |
|
Auction yield range:
| 8.06% - 20.08% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 9y 3m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $6,745 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $76 |
Bankcard utilization:
| 73% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| IMA_DOG-LOVER |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 640-659
(Apr-2008)
|
|
Principal balance:
| $496.88 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Income tax & physical therapy bill
Purpose of loan:
This loan will be used to? pay in full my income tax, which has doubled from last year.? Ouch.? I also have been in physical therapy since the first of November.? I was able to pay the bill as of the end of 2009 in full, but I now have a bill for the first 2 months of 2010 that I will have to make payments on without a loan from Prosper.? I prefer to use Prosper and pay it off all at once.?
My financial situation:
I am a good candidate for this loan because?I was a first time borrower from prosper a few years ago.? I?will be at the end of my payments in the next few months, never missing a payment.? I believe in Prosper.? I hope to continue to use their services, and would love to become a lender.? ?
Monthly net income: $1960
Monthly expenses: $1100
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Havana21 | $25.00 | $25.00 | 2/8/2010 1:09:33 PM |
| reflective-cash0 | $100.00 | $100.00 | 2/8/2010 1:15:40 PM |
| calm-deal7 | $25.00 | $25.00 | 2/8/2010 1:16:55 PM |
| supreme-hope | $25.00 | $25.00 | 2/8/2010 1:14:50 PM |
| flexible-value | $25.00 | $25.00 | 2/8/2010 1:15:20 PM |
| Phantom99 | $25.00 | $25.00 | 2/8/2010 1:16:18 PM |
| IPG1 | $25.00 | $25.00 | 2/8/2010 1:25:48 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/8/2010 5:51:21 PM |
| vine99 | $45.00 | $45.00 | 2/8/2010 7:00:53 PM |
| dollardave | $100.00 | $100.00 | 2/8/2010 7:13:41 PM |
| kginatl | $35.25 | $35.25 | 2/8/2010 7:27:12 PM |
| Bob450 | $25.00 | $25.00 | 2/8/2010 9:11:59 PM |
| Bank_Of_XL | $25.00 | $25.00 | 2/8/2010 8:59:45 PM |
| nickel-pipeline | $25.00 | $25.00 | 2/10/2010 10:58:47 AM |
| radforj22 | $25.00 | $25.00 | 2/8/2010 1:02:30 PM |
| loyalist1 | $25.00 | $25.00 | 2/8/2010 1:03:56 PM |
| supreme-bonus0 | $25.00 | $25.00 | 2/8/2010 1:06:35 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/8/2010 1:14:38 PM |
| Interloper | $40.00 | $40.00 | 2/8/2010 1:16:09 PM |
| payout-point | $50.00 | $4.75 | 2/8/2010 1:17:09 PM |
| lucrative-loan | $25.00 | $25.00 | 2/8/2010 2:23:39 PM |
| twjh | $25.00 | $25.00 | 2/8/2010 7:00:25 PM |
| wwwUniversal | $25.00 | $25.00 | 2/9/2010 5:25:04 PM |
| new-smart-fund | $200.00 | $200.00 | 2/9/2010 7:04:11 PM |
| GS-ROCK | $25.00 | $25.00 | 2/10/2010 8:54:44 AM |
| lender12345 | $25.00 | $25.00 | 2/10/2010 6:22:03 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
444369
This series of Notes was issued and sold upon the funding of the borrower loan #40844, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Jan-27-2010 |
| |
Auction end date:
| Feb-03-2010 |
|
|
Starting lender yield:
| 27.40% |
Starting borrower rate/APR:
| 28.40% / 30.75% |
Starting monthly payment:
| $353.43 |
|
Final lender yield:
| 26.40% |
Final borrower rate/APR:
| 27.40% / 29.74% |
Final monthly payment:
| $348.84 |
| |
|
Auction yield range:
| 11.06% - 27.40% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.74% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 5m |
|
Credit score:
| 740-759 (Jan-2010) |
Total credit lines:
| 3 |
Occupation: | Waiter/Waitress |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,056 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| pure-bid1 |
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
USed VAN
Purpose of loan: Buy Used Car
This loan will be used to? make an good deal ,buying used Van low miles.
My financial situation:i have no debits and my monthly expenses are low.
I am a good candidate for this loan because?My credit score is good,i am an responsible person.
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:
- Net Income after taxes and deductions?
Please answer publicly. Thanks and good luck with the funding! - zento
A:
Is about $ 26,964.00 per year , thank you !
(Jan-31-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| TheYellowDart | $25.00 | $25.00 | 1/27/2010 3:58:02 PM |
| triumph329 | $25.00 | $25.00 | 1/27/2010 3:59:01 PM |
| cfleap | $25.00 | $25.00 | 1/27/2010 3:59:35 PM |
| famous-bill | $50.00 | $50.00 | 1/27/2010 4:00:41 PM |
| blooming-dedication | $50.00 | $50.00 | 1/27/2010 4:01:05 PM |
| ryan23 | $25.00 | $25.00 | 1/27/2010 4:01:13 PM |
| MissionMicroFinance | $25.00 | $25.00 | 1/27/2010 4:01:25 PM |
| duty-sensai | $25.00 | $25.00 | 1/27/2010 4:01:33 PM |
| CarDealer3070 | $30.00 | $30.00 | 1/27/2010 4:01:40 PM |
| Speculator | $50.00 | $50.00 | 1/27/2010 4:01:54 PM |
| Katburg | $25.00 | $25.00 | 1/27/2010 4:02:34 PM |
| momoney2lend | $25.00 | $25.00 | 1/27/2010 4:02:41 PM |
| thermopylae6 | $25.00 | $25.00 | 1/27/2010 4:02:53 PM |
| balance6 | $25.00 | $25.00 | 1/27/2010 4:02:58 PM |
| Sateesh | $100.00 | $100.00 | 1/27/2010 4:03:08 PM |
| elegant-loot | $25.00 | $25.00 | 1/27/2010 3:58:51 PM |
| sxcsam | $25.00 | $25.00 | 1/27/2010 4:03:53 PM |
| compsciman | $41.18 | $41.18 | 1/27/2010 4:07:35 PM |
| elevated-platinum5 | $25.00 | $25.00 | 1/27/2010 4:01:18 PM |
| Kaj | $25.00 | $25.00 | 1/27/2010 4:01:20 PM |
| rooosta | $25.00 | $25.00 | 1/27/2010 4:01:43 PM |
| Purposeful | $25.00 | $25.00 | 1/27/2010 4:01:46 PM |
| jlr613 | $25.00 | $25.00 | 1/27/2010 4:02:45 PM |
| orange-finance-banker | $25.00 | $25.00 | 1/27/2010 4:03:04 PM |
| piter-to-la-investment | $25.00 | $25.00 | 1/27/2010 4:04:00 PM |
| kindness-hickory5 | $25.00 | $25.00 | 1/27/2010 4:05:32 PM |
| supreme-bonus0 | $25.00 | $25.00 | 1/27/2010 4:05:35 PM |
| rosario1 | $25.00 | $25.00 | 1/27/2010 3:57:34 PM |
| marcomnzs | $50.00 | $50.00 | 1/27/2010 4:08:15 PM |
| Orringo | $50.00 | $50.00 | 1/27/2010 4:08:47 PM |
| jonn834 | $25.00 | $25.00 | 1/27/2010 4:08:56 PM |
| desertoasis | $25.00 | $23.14 | 1/27/2010 4:11:11 PM |
| p123 | $25.00 | $25.00 | 1/27/2010 4:00:44 PM |
| Buffer10 | $100.00 | $100.00 | 1/27/2010 4:01:02 PM |
| Zolton | $200.00 | $200.00 | 1/27/2010 4:01:15 PM |
| Diamond_Jim | $25.00 | $25.00 | 1/27/2010 4:01:31 PM |
| IIP77 | $25.00 | $25.00 | 1/27/2010 4:01:52 PM |
| gizzywump | $25.00 | $25.00 | 1/27/2010 4:01:59 PM |
| Katieo | $25.00 | $25.00 | 1/27/2010 4:02:42 PM |
| AF-Chief | $26.00 | $26.00 | 1/27/2010 4:03:37 PM |
| Yomain | $25.00 | $25.00 | 1/27/2010 4:03:58 PM |
| SFBank | $200.00 | $200.00 | 1/27/2010 4:04:33 PM |
| snoopey100 | $25.00 | $25.00 | 1/27/2010 4:07:26 PM |
| bajaruss | $30.00 | $30.00 | 1/27/2010 4:07:40 PM |
| jldallover | $25.00 | $25.00 | 1/27/2010 4:07:50 PM |
| dime-beeper | $25.00 | $25.00 | 1/27/2010 4:08:31 PM |
| forthright-dedication | $100.00 | $100.00 | 1/27/2010 4:08:42 PM |
| 371millwood | $200.00 | $200.00 | 1/27/2010 4:27:43 PM |
| inspiring-reward | $50.00 | $50.00 | 1/27/2010 4:32:32 PM |
| Bob450 | $25.00 | $25.00 | 1/27/2010 4:47:46 PM |
| SweetHoneyPot | $25.00 | $25.00 | 1/27/2010 4:42:24 PM |
| AtlantistoXanadu | $25.00 | $25.00 | 1/27/2010 7:53:14 PM |
| charming-point | $300.00 | $300.00 | 1/28/2010 7:35:10 AM |
| reflective-rupee | $85.00 | $85.00 | 1/28/2010 9:17:54 AM |
| mercuriant | $25.00 | $25.00 | 1/28/2010 11:20:13 AM |
| monstersdad | $50.00 | $50.00 | 1/28/2010 1:29:06 PM |
| melodious-fairness | $25.00 | $25.00 | 1/28/2010 10:16:13 AM |
| reflective-rupee | $65.00 | $65.00 | 1/28/2010 1:27:56 PM |
| bamboozled_again | $250.00 | $250.00 | 1/29/2010 3:00:35 PM |
| GyJAV_BNCCo | $30.00 | $30.00 | 1/30/2010 3:34:25 PM |
| worthy-bid4 | $25.00 | $25.00 | 1/30/2010 9:55:46 AM |
| cognizant-rate732 | $97.48 | $97.48 | 1/31/2010 12:14:10 PM |
| bright-exchange | $25.00 | $25.00 | 1/31/2010 4:57:21 PM |
| JustMee | $25.00 | $25.00 | 2/1/2010 8:42:56 AM |
| dorypro | $25.00 | $25.00 | 2/1/2010 5:03:51 AM |
| integrity-doctor | $50.00 | $50.00 | 2/1/2010 11:48:30 AM |
| People-for-people | $50.00 | $50.00 | 2/1/2010 6:11:47 PM |
| Helenska11 | $50.00 | $50.00 | 2/1/2010 4:58:22 PM |
| icecoldcash | $25.00 | $25.00 | 2/1/2010 9:23:15 PM |
| icecoldcash | $50.00 | $50.00 | 2/1/2010 9:24:35 PM |
| icecoldcash | $25.00 | $25.00 | 2/1/2010 9:24:11 PM |
| witty-compassion | $25.00 | $25.00 | 2/1/2010 11:24:04 PM |
| brightest-asset-healer | $25.00 | $25.00 | 2/2/2010 7:38:43 AM |
| brilliant-balance | $25.00 | $25.00 | 2/1/2010 8:56:50 PM |
| icecoldcash | $25.00 | $25.00 | 2/1/2010 9:23:56 PM |
| SterlingTech | $25.00 | $25.00 | 2/2/2010 12:22:07 PM |
| damasterwc | $50.00 | $50.00 | 2/2/2010 4:20:14 PM |
| b0b | $25.00 | $25.00 | 2/2/2010 4:26:51 PM |
| wise-balanced-moola | $25.00 | $25.00 | 2/2/2010 4:48:38 PM |
| CarlosCespedes | $25.00 | $25.00 | 2/2/2010 5:34:38 PM |
| vest_vortex | $25.00 | $25.00 | 2/2/2010 5:42:32 PM |
| NYretire | $50.00 | $50.00 | 2/2/2010 6:00:05 PM |
| jcw3rd | $25.00 | $25.00 | 2/2/2010 6:02:50 PM |
| Your_Bank | $25.00 | $25.00 | 2/2/2010 6:59:54 PM |
| umfan123 | $25.00 | $25.00 | 2/3/2010 6:57:17 AM |
| wild-orange | $25.00 | $25.00 | 2/3/2010 9:39:28 AM |
| Midg | $25.00 | $25.00 | 2/3/2010 10:08:07 AM |
| privatebankerva | $25.00 | $25.00 | 2/3/2010 10:38:53 AM |
| jybank | $25.00 | $25.00 | 2/3/2010 11:23:07 AM |
| top-revenue-viking | $25.00 | $25.00 | 2/3/2010 10:46:44 AM |
| good4loan | $25.00 | $25.00 | 2/3/2010 12:02:14 PM |
| Bob450 | $25.00 | $25.00 | 2/3/2010 12:23:54 PM |
| foothillender | $25.00 | $25.00 | 2/3/2010 7:32:49 AM |
| MrLeft | $25.00 | $25.00 | 2/3/2010 7:38:46 AM |
| nilonc1 | $425.00 | $425.00 | 2/3/2010 3:41:19 PM |
| leverage-monger | $50.00 | $50.00 | 2/3/2010 3:46:05 PM |
| supreme-hope | $25.00 | $25.00 | 2/3/2010 3:18:46 PM |
| DasMula | $75.00 | $75.00 | 2/3/2010 3:31:42 PM |
| UCLA4life | $25.00 | $25.00 | 2/3/2010 11:14:35 AM |
| b-rent | $25.00 | $25.00 | 2/3/2010 12:24:40 PM |
| bid-papyrus | $25.00 | $25.00 | 2/3/2010 12:37:41 PM |
| steady-peace8 | $100.00 | $100.00 | 2/3/2010 1:18:10 PM |
| PotBellyPete | $50.00 | $50.00 | 2/3/2010 1:24:58 PM |
| head | $25.00 | $25.00 | 2/3/2010 2:46:27 PM |
| leverage-monger | $100.00 | $100.00 | 2/3/2010 3:00:16 PM |
| Pu239 | $50.00 | $50.00 | 2/3/2010 3:20:04 PM |
| kilpat | $50.00 | $50.00 | 2/3/2010 3:23:05 PM |
| Engineer44 | $25.00 | $25.00 | 2/3/2010 3:55:34 PM |
| HunterSix | $25.00 | $25.00 | 1/27/2010 3:58:42 PM |
| value-pole | $25.00 | $25.00 | 1/27/2010 4:00:53 PM |
| tsquared_030 | $25.00 | $25.00 | 1/27/2010 4:01:09 PM |
| thestartuplender | $35.00 | $35.00 | 1/27/2010 4:01:29 PM |
| dedicated-diversification5 | $100.00 | $100.00 | 1/27/2010 4:01:36 PM |
| Rob717171 | $25.00 | $25.00 | 1/27/2010 4:02:35 PM |
| JAVEHE | $25.00 | $25.00 | 1/27/2010 4:02:50 PM |
| texrob20 | $25.00 | $25.00 | 1/27/2010 4:03:02 PM |
| peril | $50.00 | $50.00 | 1/27/2010 4:03:07 PM |
| three-for-6 | $100.00 | $100.00 | 1/27/2010 4:03:18 PM |
| littlemonkey | $25.00 | $25.00 | 1/27/2010 3:59:06 PM |
| ritchie70 | $25.00 | $25.00 | 1/27/2010 4:03:54 PM |
| PCash | $25.00 | $25.00 | 1/27/2010 4:04:04 PM |
| KgBsUcKa | $25.00 | $25.00 | 1/27/2010 4:04:06 PM |
| gold-sushi | $25.00 | $25.00 | 1/27/2010 3:59:26 PM |
| the-aggresive-principal | $25.00 | $25.00 | 1/27/2010 4:00:37 PM |
| wise-extraordinary-loot | $25.00 | $25.00 | 1/27/2010 4:00:49 PM |
| VBAces | $25.00 | $25.00 | 1/27/2010 4:00:51 PM |
| Vreet | $25.00 | $25.00 | 1/27/2010 4:01:11 PM |
| lloyd_s | $25.00 | $25.00 | 1/27/2010 4:01:34 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 1/27/2010 4:10:04 PM |
| Turtlebear44 | $25.00 | $25.00 | 1/27/2010 4:01:38 PM |
| fcb202 | $25.00 | $25.00 | 1/27/2010 4:10:39 PM |
| penny-surgeon | $25.00 | $25.00 | 1/27/2010 4:01:56 PM |
| whatknows | $25.00 | $25.00 | 1/27/2010 4:10:43 PM |
| ghinga | $25.00 | $25.00 | 1/27/2010 4:02:02 PM |
| important-ore | $50.00 | $50.00 | 1/27/2010 4:02:47 PM |
| accountant41 | $25.00 | $25.00 | 1/27/2010 4:04:19 PM |
| five-star-note | $35.00 | $35.00 | 1/27/2010 3:59:12 PM |
| omerta6102 | $50.00 | $50.00 | 1/27/2010 3:59:30 PM |
| saffron4 | $25.00 | $25.00 | 1/27/2010 4:00:46 PM |
| personal-lender | $25.00 | $25.00 | 1/27/2010 4:00:55 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 1/27/2010 4:01:01 PM |
| cognizant-wealth | $25.00 | $25.00 | 1/27/2010 4:01:07 PM |
| impeccable-transparency | $50.00 | $50.00 | 1/27/2010 4:01:16 PM |
| AF_Trust | $25.00 | $25.00 | 1/27/2010 4:01:22 PM |
| honorable-yield | $35.00 | $35.00 | 1/27/2010 4:01:39 PM |
| georgethesir | $25.00 | $25.00 | 1/27/2010 4:01:48 PM |
| jjswanso | $25.00 | $25.00 | 1/27/2010 4:02:55 PM |
| summerlander | $25.00 | $25.00 | 1/27/2010 4:03:00 PM |
| javajahn | $25.00 | $25.00 | 1/27/2010 4:03:12 PM |
| friendly-worth3 | $25.00 | $25.00 | 1/27/2010 4:03:51 PM |
| traveler50 | $25.00 | $25.00 | 1/27/2010 4:04:26 PM |
| gustavzantanon | $50.00 | $50.00 | 1/27/2010 4:07:30 PM |
| theopposites | $25.00 | $25.00 | 1/27/2010 4:07:46 PM |
| AKJagMan | $25.00 | $25.00 | 1/27/2010 4:07:56 PM |
| durability-halibut | $25.00 | $25.00 | 1/27/2010 4:35:00 PM |
| buffalobills | $25.00 | $25.00 | 1/27/2010 4:39:34 PM |
| bold-dynamic-silver | $25.00 | $25.00 | 1/27/2010 8:39:47 PM |
| cashhelp | $25.00 | $25.00 | 1/27/2010 4:59:25 PM |
| reflective-rupee | $100.00 | $100.00 | 1/28/2010 1:28:17 PM |
| Peterman | $25.00 | $25.00 | 1/28/2010 4:20:00 PM |
| SolarMoonshine | $50.00 | $50.00 | 1/28/2010 5:02:25 PM |
| Rogelio48 | $35.00 | $35.00 | 1/29/2010 12:33:59 PM |
| historic-nickel | $25.00 | $25.00 | 1/29/2010 4:17:29 PM |
| mjosa | $25.00 | $25.00 | 1/29/2010 4:19:49 PM |
| jralending | $50.00 | $50.00 | 1/29/2010 8:04:04 PM |
| loan-fate | $25.00 | $25.00 | 1/30/2010 6:09:08 AM |
| GeoLender | $25.00 | $25.00 | 1/30/2010 4:35:00 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 1/31/2010 5:56:40 PM |
| loss-of-control | $25.00 | $25.00 | 1/31/2010 11:47:03 AM |
| vine99 | $65.00 | $65.00 | 2/1/2010 8:39:34 AM |
| icecoldcash | $25.00 | $25.00 | 2/1/2010 9:23:28 PM |
| IIP77 | $25.00 | $25.00 | 2/1/2010 9:29:53 PM |
| peregrine | $50.00 | $50.00 | 2/1/2010 5:54:05 PM |
| Kash2010lu | $25.00 | $25.00 | 2/1/2010 6:35:13 PM |
| Capit0l | $25.00 | $25.00 | 2/2/2010 9:06:50 AM |
| the-profit-oracle | $25.00 | $25.00 | 2/1/2010 8:17:52 PM |
| icecoldcash | $25.00 | $25.00 | 2/1/2010 9:23:42 PM |
| finance-solo | $100.00 | $100.00 | 2/2/2010 5:27:05 AM |
| MrPie | $25.00 | $25.00 | 2/2/2010 9:27:51 AM |
| Techne_Funds_LLC | $25.00 | $25.00 | 2/2/2010 3:32:25 PM |
| worldly-gold | $100.00 | $100.00 | 2/2/2010 3:47:57 PM |
| LarWit1512 | $25.00 | $25.00 | 2/2/2010 10:48:55 AM |
| Laima | $25.00 | $25.00 | 2/2/2010 8:46:49 PM |
| conqueror048 | $25.00 | $25.00 | 2/2/2010 9:06:25 PM |
| nourishing-hope835 | $25.00 | $25.00 | 2/3/2010 4:06:49 AM |
| buvaet | $25.00 | $25.00 | 2/3/2010 7:47:37 AM |
| unger | $50.00 | $50.00 | 2/3/2010 8:03:51 AM |
| PotBellyPete | $90.00 | $90.00 | 2/3/2010 9:06:36 AM |
| FL-Lender | $25.00 | $25.00 | 2/2/2010 7:43:10 PM |
| hamster | $26.56 | $26.56 | 2/2/2010 8:36:37 PM |
| PeterPsych | $100.00 | $100.00 | 2/3/2010 12:16:06 PM |
| Sapphicat | $50.00 | $50.00 | 2/3/2010 12:45:00 PM |
| freedom3 | $33.26 | $33.26 | 2/3/2010 4:18:41 AM |
| VBPlayer | $30.00 | $30.00 | 2/3/2010 12:48:56 PM |
| Lubava | $25.00 | $25.00 | 2/3/2010 1:54:29 PM |
| cunning-bill | $25.00 | $25.00 | 2/3/2010 3:46:01 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/3/2010 3:12:31 PM |
| patriot384 | $50.00 | $50.00 | 2/3/2010 11:13:52 AM |
| dasbuntenheim | $25.00 | $25.00 | 2/3/2010 11:15:19 AM |
| Leshan | $27.38 | $27.38 | 2/3/2010 11:44:15 AM |
| exact-peso2 | $25.00 | $25.00 | 2/3/2010 3:35:16 PM |
| friendinmoney | $30.00 | $30.00 | 2/3/2010 3:56:02 PM |
| 202 bids
|
Borrower Payment Dependent Notes Series
444413
This series of Notes was issued and sold upon the funding of the borrower loan #40827, 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-27-2010 |
| |
Auction end date:
| Feb-03-2010 |
|
|
Starting lender yield:
| 7.41% |
Starting borrower rate/APR:
| 8.41% / 10.50% |
Starting monthly payment:
| $189.16 |
|
Final lender yield:
| 7.35% |
Final borrower rate/APR:
| 8.35% / 10.44% |
Final monthly payment:
| $188.99 |
| |
|
Auction yield range:
| 4.06% - 7.41% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.24% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 5m |
|
Credit score:
| 760-779 (Jan-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,025 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| newest-speedy-durability |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate omy credit card debt
My financial situation:
I am a good candidate for this loan because?I have had steady employment?with the same company for 5 years.??I also have a part-time job which contributes to my annual income.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| lean-velocity | $25.00 | $25.00 | 1/27/2010 4:21:36 PM |
| kenji4861 | $25.00 | $25.00 | 1/27/2010 4:21:25 PM |
| leodaguy | $25.00 | $25.00 | 1/27/2010 4:28:08 PM |
| delicious-social132 | $25.00 | $25.00 | 1/27/2010 4:29:11 PM |
| dealarella | $25.00 | $25.00 | 1/27/2010 4:29:26 PM |
| mlopez2007 | $50.00 | $50.00 | 1/27/2010 4:29:36 PM |
| Walkingcowboy | $25.00 | $25.00 | 1/27/2010 4:28:16 PM |
| determined-contract | $30.00 | $30.00 | 1/27/2010 4:30:33 PM |
| rolandweary | $30.00 | $30.00 | 1/27/2010 4:30:48 PM |
| Cai8899 | $75.00 | $75.00 | 1/27/2010 4:28:53 PM |
| laredotornado | $25.00 | $25.00 | 1/27/2010 4:29:58 PM |
| peerlender | $30.00 | $30.00 | 1/27/2010 4:30:04 PM |
| commerce-web5 | $40.00 | $40.00 | 1/27/2010 4:30:24 PM |
| Havana21 | $25.00 | $25.00 | 1/27/2010 4:32:42 PM |
| buckyhead2000 | $25.00 | $25.00 | 1/27/2010 4:33:10 PM |
| wampum-reaction2 | $25.00 | $25.00 | 1/27/2010 4:33:18 PM |
| skuba | $25.00 | $25.00 | 1/27/2010 4:33:27 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/27/2010 4:31:21 PM |
| supreme-hope | $25.00 | $25.00 | 1/27/2010 4:31:50 PM |
| AF-Chief | $35.00 | $35.00 | 1/27/2010 4:31:59 PM |
| loan-master996 | $50.00 | $50.00 | 1/27/2010 4:32:18 PM |
| bchen78875 | $50.00 | $50.00 | 1/27/2010 4:27:46 PM |
| inspired-contract9 | $50.00 | $50.00 | 1/27/2010 4:28:00 PM |
| toblerone | $50.00 | $50.00 | 1/27/2010 4:28:29 PM |
| wampum-optimization | $50.00 | $50.00 | 1/27/2010 4:28:39 PM |
| market-builder | $25.00 | $25.00 | 1/27/2010 4:29:04 PM |
| dollar-birdie | $30.00 | $30.00 | 1/27/2010 4:30:41 PM |
| kanakakm | $50.00 | $50.00 | 1/27/2010 4:30:56 PM |
| junctionking | $25.00 | $25.00 | 1/27/2010 4:31:15 PM |
| auction-elvis | $25.00 | $25.00 | 1/27/2010 4:32:05 PM |
| meenan | $25.00 | $25.00 | 1/27/2010 4:46:35 PM |
| kulender | $30.00 | $30.00 | 1/27/2010 4:47:28 PM |
| social-conductor4 | $25.00 | $25.00 | 1/27/2010 4:49:54 PM |
| credit-force5 | $25.00 | $25.00 | 1/27/2010 4:47:11 PM |
| forthright-dedication | $25.00 | $25.00 | 1/27/2010 4:49:03 PM |
| fireboss | $25.00 | $25.00 | 1/27/2010 9:01:03 PM |
| theprince | $25.00 | $25.00 | 1/27/2010 10:26:18 PM |
| all_of_that_one | $25.00 | $25.00 | 1/28/2010 1:10:55 AM |
| bold-ideal-benjamins | $25.00 | $25.00 | 1/27/2010 5:15:14 PM |
| ticklemaxx | $25.00 | $25.00 | 1/27/2010 7:35:09 PM |
| honorable-yield | $34.92 | $34.92 | 1/27/2010 10:51:33 PM |
| scoobiedoo | $25.00 | $25.00 | 1/28/2010 12:30:12 PM |
| rulender | $50.00 | $50.00 | 1/28/2010 1:45:20 PM |
| DukSerduk | $25.00 | $25.00 | 1/28/2010 2:20:00 PM |
| the-financier814 | $25.00 | $25.00 | 1/29/2010 3:22:06 AM |
| skvat | $25.00 | $25.00 | 1/29/2010 4:43:00 AM |
| active-market | $100.00 | $100.00 | 1/29/2010 9:36:47 AM |
| zski | $25.00 | $25.00 | 1/29/2010 10:45:43 AM |
| trade-trumpet | $25.00 | $25.00 | 1/29/2010 9:36:04 AM |
| moola-escalator | $50.00 | $50.00 | 1/29/2010 9:36:17 AM |
| blooming-market | $25.00 | $25.00 | 1/29/2010 5:41:31 PM |
| roentgen | $25.00 | $25.00 | 1/30/2010 10:46:31 AM |
| elasermd | $50.00 | $50.00 | 1/30/2010 11:16:59 AM |
| br4444 | $25.00 | $25.00 | 1/30/2010 9:56:38 AM |
| Dollars4Rent | $25.00 | $25.00 | 1/31/2010 2:29:58 PM |
| MM1207 | $25.00 | $25.00 | 1/31/2010 2:52:22 PM |
| nbhz60a | $25.00 | $25.00 | 1/31/2010 3:34:13 PM |
| flwah | $25.00 | $25.00 | 1/31/2010 5:37:30 PM |
| screenname03 | $25.00 | $25.00 | 1/31/2010 12:05:46 PM |
| penny-zeus | $25.00 | $25.00 | 2/1/2010 6:17:31 AM |
| Mr_Money | $25.00 | $25.00 | 2/1/2010 7:57:31 AM |
| noble-revenue | $100.00 | $100.00 | 1/31/2010 5:37:21 PM |
| buukyak | $25.00 | $25.00 | 1/31/2010 5:37:33 PM |
| market-socrates4 | $25.00 | $25.00 | 2/1/2010 9:36:02 AM |
| selector568 | $400.00 | $400.00 | 2/1/2010 10:25:24 AM |
| elegant-income3 | $25.00 | $25.00 | 2/1/2010 10:39:14 AM |
| aldenrains | $25.00 | $25.00 | 2/1/2010 10:39:39 AM |
| bds9646 | $26.00 | $26.00 | 2/1/2010 10:39:58 AM |
| JohnBanks | $25.00 | $25.00 | 2/1/2010 10:58:19 AM |
| wiselady | $25.00 | $25.00 | 2/1/2010 10:39:40 AM |
| Dutchhunter | $37.23 | $37.23 | 2/1/2010 12:01:46 PM |
| greenwell | $50.00 | $50.00 | 2/1/2010 12:16:39 PM |
| djs81 | $25.00 | $25.00 | 2/1/2010 2:02:29 PM |
| stoopidnoodle | $25.00 | $25.00 | 2/1/2010 2:33:51 PM |
| poeman | $25.00 | $25.00 | 2/1/2010 5:04:50 PM |
| head | $25.00 | $25.00 | 2/1/2010 5:56:20 PM |
| BigMoney56 | $25.00 | $25.00 | 2/2/2010 12:03:30 PM |
| falcon245sp | $25.00 | $25.00 | 2/2/2010 1:42:04 PM |
| nestegg4e | $25.00 | $25.00 | 2/2/2010 12:25:37 PM |
| bayareainv | $50.00 | $50.00 | 2/2/2010 4:38:34 PM |
| lowrate | $25.00 | $25.00 | 2/2/2010 4:36:51 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 2/2/2010 6:24:33 PM |
| beachfunder | $25.00 | $25.00 | 2/2/2010 6:26:14 PM |
| TheBlackSwordsMan | $25.00 | $25.00 | 2/2/2010 6:36:24 PM |
| MrDavid | $41.66 | $41.66 | 2/2/2010 8:34:47 PM |
| oldscratch72 | $25.00 | $25.00 | 2/2/2010 11:38:57 PM |
| bmcg | $25.00 | $25.00 | 2/2/2010 4:47:44 PM |
| Cherrypicker | $50.00 | $50.00 | 2/3/2010 7:35:56 AM |
| ClearLake | $25.00 | $25.00 | 2/2/2010 4:59:07 PM |
| Syzygy | $25.00 | $25.00 | 2/3/2010 11:42:36 AM |
| mikeandcat | $74.00 | $74.00 | 2/3/2010 10:58:41 AM |
| the-profit-oracle | $25.00 | $25.00 | 2/3/2010 7:50:01 AM |
| ore-dojo | $50.00 | $50.00 | 2/3/2010 3:54:44 PM |
| DonaldColorado | $25.00 | $25.00 | 1/27/2010 4:05:03 PM |
| first-pragmatic-note | $25.00 | $25.00 | 1/27/2010 4:26:45 PM |
| schpere | $30.00 | $30.00 | 1/27/2010 4:28:45 PM |
| bowdish1 | $100.00 | $100.00 | 1/27/2010 4:29:17 PM |
| thedoctor | $90.00 | $90.00 | 1/27/2010 4:30:11 PM |
| friendly-worth3 | $25.00 | $25.00 | 1/27/2010 4:32:25 PM |
| desertoasis | $25.00 | $25.00 | 1/27/2010 4:33:04 PM |
| LandE2BG | $25.00 | $25.00 | 1/27/2010 4:34:13 PM |
| auction-turbine4 | $25.00 | $25.00 | 1/27/2010 4:32:14 PM |
| commerce-voyager | $25.00 | $25.00 | 1/27/2010 4:34:49 PM |
| AFairDeal | $25.00 | $25.00 | 1/27/2010 4:29:42 PM |
| kmr2 | $100.00 | $100.00 | 1/27/2010 4:29:48 PM |
| GElender | $50.00 | $50.00 | 1/27/2010 4:32:49 PM |
| alpinaut | $25.00 | $25.00 | 1/27/2010 4:34:10 PM |
| DrMoneyBags | $25.00 | $25.00 | 1/27/2010 4:48:10 PM |
| friendly-market5 | $25.00 | $25.00 | 1/27/2010 4:46:22 PM |
| eCapital | $25.00 | $25.00 | 1/27/2010 5:03:03 PM |
| personal-lender | $25.00 | $25.00 | 1/27/2010 4:46:53 PM |
| inventive-wealth2 | $25.00 | $25.00 | 1/27/2010 4:48:00 PM |
| exchange-cub | $25.00 | $25.00 | 1/27/2010 4:48:44 PM |
| Mr_Marcus | $50.00 | $50.00 | 1/27/2010 4:58:45 PM |
| lloyd_s | $25.00 | $25.00 | 1/27/2010 4:46:45 PM |
| balance-voyager | $100.00 | $100.00 | 1/27/2010 8:12:37 PM |
| exciting-responsibility3 | $25.00 | $25.00 | 1/27/2010 4:47:17 PM |
| mikeandcat | $26.00 | $26.00 | 1/27/2010 10:44:46 PM |
| worthy-bid4 | $50.00 | $50.00 | 1/28/2010 9:13:52 AM |
| kindness-percolator5 | $25.00 | $25.00 | 1/28/2010 9:42:51 AM |
| KiwiElf | $30.00 | $30.00 | 1/28/2010 11:34:32 AM |
| Cheburashka | $30.00 | $30.00 | 1/28/2010 12:34:48 PM |
| mykkai | $25.00 | $25.00 | 1/28/2010 2:15:17 PM |
| orbital-gain | $50.00 | $50.00 | 1/28/2010 10:19:16 AM |
| Aeroman32 | $25.00 | $25.00 | 1/28/2010 10:11:42 PM |
| grampy48 | $25.00 | $25.00 | 1/29/2010 6:20:55 AM |
| justice-financier | $25.00 | $25.00 | 1/29/2010 9:37:03 AM |
| shadowflame_99 | $25.00 | $25.00 | 1/29/2010 5:52:21 AM |
| gracej | $25.00 | $25.00 | 1/29/2010 8:11:31 AM |
| Red4Golf | $25.00 | $25.00 | 1/29/2010 8:56:41 AM |
| CaptainBlueberry | $25.00 | $25.00 | 1/30/2010 9:17:41 AM |
| Zach842 | $25.00 | $25.00 | 1/30/2010 4:51:28 PM |
| wormdc | $25.00 | $25.00 | 1/31/2010 3:10:52 PM |
| julijask | $35.00 | $35.00 | 1/31/2010 4:24:46 PM |
| flexible-value | $25.00 | $25.00 | 1/31/2010 4:24:28 PM |
| gold-commander0 | $50.00 | $50.00 | 1/31/2010 10:06:43 PM |
| 30Sky | $50.00 | $50.00 | 2/1/2010 7:22:38 AM |
| highcountry1 | $25.00 | $25.00 | 1/31/2010 4:24:32 PM |
| Trimalchio12 | $25.00 | $25.00 | 2/1/2010 7:58:29 AM |
| restech | $25.00 | $25.00 | 2/1/2010 7:57:46 AM |
| Pasagam | $25.00 | $25.00 | 2/1/2010 8:39:07 AM |
| SDNLR | $25.00 | $25.00 | 2/1/2010 10:38:52 AM |
| verse99 | $25.00 | $25.00 | 2/1/2010 10:40:11 AM |
| microlendblvr | $54.36 | $54.36 | 2/1/2010 11:31:44 AM |
| orange-finance-banker | $50.00 | $50.00 | 2/1/2010 2:34:19 PM |
| briphi | $25.00 | $25.00 | 2/1/2010 10:38:43 AM |
| nuclearmoose | $25.00 | $25.00 | 2/1/2010 10:57:51 AM |
| portfolio-zone801 | $25.00 | $25.00 | 2/1/2010 2:34:45 PM |
| Reinadog9 | $50.00 | $50.00 | 2/1/2010 3:02:47 PM |
| Aldebtaran | $44.00 | $44.00 | 2/1/2010 8:48:09 PM |
| Hexnut | $50.00 | $50.00 | 2/1/2010 10:57:04 PM |
| kchen486 | $25.00 | $25.00 | 2/1/2010 11:05:39 PM |
| CardCapDude | $25.00 | $25.00 | 2/2/2010 9:36:23 AM |
| blissful-note7 | $25.00 | $25.00 | 2/2/2010 9:36:39 AM |
| DadWarbucks | $25.00 | $25.00 | 2/2/2010 11:37:01 AM |
| Beachbum27 | $25.00 | $25.00 | 2/2/2010 7:36:21 AM |
| helping-out | $25.00 | $25.00 | 2/2/2010 12:58:51 PM |
| reinforced-reward | $25.00 | $25.00 | 2/2/2010 8:07:47 AM |
| unequaled-loyalty7 | $25.00 | $25.00 | 2/2/2010 9:36:09 AM |
| Pickmar | $25.00 | $25.00 | 2/2/2010 11:33:54 AM |
| discrete-asset | $25.00 | $25.00 | 2/2/2010 4:28:20 PM |
| Goodlender42 | $25.00 | $25.00 | 2/2/2010 6:29:29 PM |
| TheBlackSwordsMan | $25.00 | $25.00 | 2/2/2010 6:39:31 PM |
| rjblack | $48.47 | $48.47 | 2/2/2010 4:38:14 PM |
| financelover | $39.55 | $39.55 | 2/2/2010 7:26:36 PM |
| ore-dojo | $50.00 | $50.00 | 2/3/2010 9:17:55 AM |
| DrNano | $50.00 | $50.00 | 2/2/2010 7:53:09 PM |
| turbospeed | $25.00 | $25.00 | 2/3/2010 11:40:35 AM |
| Sixmil | $25.00 | $6.81 | 2/2/2010 11:01:23 PM |
| jybank | $25.00 | $25.00 | 2/3/2010 1:00:43 PM |
| kf88 | $27.00 | $27.00 | 2/3/2010 1:05:01 PM |
| 171 bids
|
Borrower Payment Dependent Notes Series
444605
This series of Notes was issued and sold upon the funding of the borrower loan #40830, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Jan-28-2010 |
| |
Auction end date:
| Feb-04-2010 |
|
|
Starting lender yield:
| 7.40% |
Starting borrower rate/APR:
| 8.40% / 11.93% |
Starting monthly payment:
| $31.52 |
|
Final lender yield:
| 7.25% |
Final borrower rate/APR:
| 8.25% / 11.78% |
Final monthly payment:
| $31.45 |
| |
|
Auction yield range:
| 4.06% - 7.40% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.14% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1999 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 8
/
6 | Length of status: | 5y 10m |
|
Credit score:
| 760-779 (Jan-2010) |
Total credit lines:
| 18 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,415 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| noble-trade3 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Paydown
Purpose of loan:
This loan will be used to pay down my credit cards starting with highest interest rate first.
My financial situation:
I am a good candidate for this loan as I am very credit conscience. My credit is excellent and I have never been late on any payment. This is my first time requesting an unsecured personal loan or I would have asked for a higher amount to pay a credit card off in full. What I would like to do is use this amount towards a balance, pay off the $1000, then use this site (or same creditor) for another loan possibly of a slightly higher amount to start really hacking away at my credit card debt. I have already closed several accounts to stop them from going to a higher variable rate and am determined to have them paid as quickly as possible. Due to this I will obviously not agree to any rate higher than my current credit card rate. Thanks
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rome1426 | $25.00 | $25.00 | 1/29/2010 5:44:42 AM |
| Mav26 | $102.60 | $102.60 | 1/29/2010 1:49:39 PM |
| worthy-bid4 | $50.00 | $50.00 | 1/29/2010 6:50:37 PM |
| rome1426 | $25.00 | $25.00 | 2/2/2010 7:00:27 AM |
| rockstar73 | $40.00 | $40.00 | 2/3/2010 4:05:47 PM |
| unrhrsd | $25.00 | $25.00 | 2/4/2010 10:02:05 AM |
| BURNERA_1 | $100.00 | $100.00 | 2/4/2010 9:59:31 AM |
| improvman | $25.00 | $25.00 | 2/4/2010 11:20:53 AM |
| jybank | $25.00 | $25.00 | 2/4/2010 12:04:35 PM |
| Richmp412 | $25.00 | $25.00 | 2/4/2010 12:42:06 PM |
| exchange-squirrel | $26.00 | $26.00 | 2/4/2010 1:36:18 PM |
| Jiangtao | $25.00 | $25.00 | 2/4/2010 2:14:23 PM |
| BONSAY | $30.00 | $30.00 | 2/4/2010 2:11:06 PM |
| SanJoser | $25.00 | $25.00 | 2/4/2010 3:37:23 PM |
| Charmart | $25.00 | $25.00 | 2/4/2010 3:55:48 PM |
| ore-dojo | $25.00 | $25.00 | 2/4/2010 4:10:33 PM |
| kinetic-social | $40.00 | $26.40 | 2/4/2010 4:15:17 PM |
| TheSpottedFlamingo | $25.00 | $25.00 | 2/4/2010 3:55:56 PM |
| JaceSpade | $25.00 | $25.00 | 2/3/2010 5:21:58 PM |
| wild-orange | $25.00 | $25.00 | 2/4/2010 1:09:26 AM |
| marwadi-62 | $200.00 | $200.00 | 2/4/2010 8:43:03 AM |
| AndyT1999 | $25.00 | $25.00 | 2/4/2010 10:16:54 AM |
| scientists | $25.00 | $25.00 | 2/4/2010 11:53:25 AM |
| BrighterSuns | $25.00 | $25.00 | 2/4/2010 2:23:35 PM |
| El_Maestro | $25.00 | $25.00 | 2/4/2010 3:28:37 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
444681
This series of Notes was issued and sold upon the funding of the borrower loan #40828, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Jan-29-2010 |
| |
Auction end date:
| Feb-05-2010 |
|
|
Starting lender yield:
| 6.50% |
Starting borrower rate/APR:
| 7.50% / 7.84% |
Starting monthly payment:
| $139.98 |
|
Final lender yield:
| 6.45% |
Final borrower rate/APR:
| 7.45% / 7.79% |
Final monthly payment:
| $139.87 |
| |
|
Auction yield range:
| 3.06% - 6.50% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.95% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 11
/
9 | Length of status: | 2y 6m |
|
Credit score:
| 820-839 (Jan-2010) |
Total credit lines:
| 20 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,714 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| JJpeanut |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 33 ( 100% )
| 820-839 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < mo. late:
| 0
( 0% )
| 720-739
(Aug-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Need to fix sewage problems
I am a former Prosper lender and borrower who is back.? This time around, I have a house and a 4 month old baby.? I also have a sewage issue in this house that is going to cost $8,200 to rectify.? It involves?replacing the?pipes from just?outside the house to the street, removing a tree, and replacing the sidewalk.? This absolutely has to be done as soon as possible, as all the water we use in our house?backs up through a drain in our basement.? This is not only an inconvenience, but it is also unhealthy.? My wife and I both have recession-proof jobs and excellent credit and we?never?missed a payment?on our last Prosper listing.? Thanks for looking.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| turbospeed | $25.00 | $25.00 | 1/29/2010 4:29:20 PM |
| DonaldColorado | $25.00 | $25.00 | 1/29/2010 4:34:39 PM |
| kenji4861 | $25.00 | $25.00 | 1/29/2010 4:36:11 PM |
| bornsucka | $25.00 | $25.00 | 1/29/2010 4:49:40 PM |
| inspired-contract9 | $50.00 | $50.00 | 1/29/2010 4:52:37 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/29/2010 4:53:56 PM |
| schpere | $30.00 | $30.00 | 1/29/2010 4:52:47 PM |
| bowdish1 | $100.00 | $100.00 | 1/29/2010 4:53:04 PM |
| dealarella | $25.00 | $25.00 | 1/29/2010 4:53:08 PM |
| determined-contract | $30.00 | $30.00 | 1/29/2010 4:53:34 PM |
| dollar-birdie | $30.00 | $30.00 | 1/29/2010 4:53:38 PM |
| junctionking | $25.00 | $25.00 | 1/29/2010 4:53:52 PM |
| auction-elvis | $25.00 | $19.35 | 1/29/2010 4:54:06 PM |
| axelducheck | $25.00 | $25.00 | 1/29/2010 4:57:46 PM |
| MoneyForNothing | $25.00 | $25.00 | 1/29/2010 8:34:22 PM |
| bchen78875 | $50.00 | $50.00 | 1/29/2010 4:52:31 PM |
| delicious-social132 | $25.00 | $25.00 | 1/29/2010 4:53:01 PM |
| kmr2 | $100.00 | $100.00 | 1/29/2010 4:53:17 PM |
| commerce-web5 | $40.00 | $40.00 | 1/29/2010 4:53:30 PM |
| Nash2065 | $25.00 | $25.00 | 1/29/2010 6:28:16 PM |
| Freddie68 | $25.00 | $25.00 | 1/29/2010 7:44:53 PM |
| wicada | $27.54 | $27.54 | 1/30/2010 12:08:33 PM |
| Kelor99 | $25.00 | $25.00 | 1/30/2010 5:57:08 PM |
| Personal-Bond | $50.00 | $50.00 | 1/31/2010 4:11:01 PM |
| exchange-squirrel | $25.00 | $25.00 | 1/31/2010 5:51:24 PM |
| Daubertoo | $50.00 | $50.00 | 1/31/2010 7:34:55 PM |
| moneytolend72 | $50.00 | $50.00 | 1/31/2010 3:08:19 PM |
| dreamhope | $25.00 | $25.00 | 2/1/2010 9:45:34 AM |
| best-decisive-peace | $25.00 | $25.00 | 2/1/2010 10:51:46 PM |
| aqaq8877 | $109.00 | $109.00 | 2/2/2010 12:15:10 PM |
| springpanda | $25.00 | $25.00 | 2/2/2010 2:53:17 PM |
| elevated-finance | $25.00 | $25.00 | 2/2/2010 5:55:18 PM |
| starry2001 | $25.00 | $25.00 | 2/2/2010 7:45:02 PM |
| blissful-note7 | $25.00 | $25.00 | 2/3/2010 2:47:43 AM |
| bondhedger | $25.00 | $25.00 | 2/3/2010 12:00:39 PM |
| bentonlending | $50.00 | $50.00 | 2/3/2010 9:49:46 AM |
| surfsider123 | $25.00 | $25.00 | 2/3/2010 1:01:13 PM |
| Rivermaverick | $25.00 | $25.00 | 2/3/2010 1:26:35 PM |
| moneytolend72 | $25.00 | $25.00 | 2/4/2010 7:18:09 AM |
| swissbanker | $50.00 | $50.00 | 2/4/2010 7:24:04 AM |
| John_14_6 | $25.00 | $25.00 | 2/4/2010 9:59:38 AM |
| favorite-commerce | $25.00 | $25.00 | 2/4/2010 11:42:36 AM |
| MGS | $25.00 | $25.00 | 2/4/2010 11:49:00 AM |
| ScooberG | $25.00 | $25.00 | 2/4/2010 11:54:37 AM |
| EmeritusX | $25.00 | $25.00 | 2/4/2010 1:32:49 PM |
| Aberdeen | $300.00 | $300.00 | 2/4/2010 1:48:13 PM |
| RandyL3 | $50.00 | $50.00 | 2/4/2010 4:48:12 PM |
| dynamic-fairness | $25.00 | $25.00 | 2/4/2010 5:00:55 PM |
| market-jam | $38.32 | $38.32 | 2/4/2010 5:36:25 PM |
| YummiBear | $25.00 | $25.00 | 2/4/2010 7:00:23 PM |
| EliteCapital | $25.00 | $25.00 | 2/4/2010 7:15:56 PM |
| payontime1 | $50.00 | $50.00 | 2/4/2010 9:34:19 PM |
| luminant | $28.49 | $28.49 | 2/5/2010 12:53:36 AM |
| Charmart | $25.00 | $25.00 | 2/5/2010 2:57:02 AM |
| prainvestment | $50.00 | $50.00 | 2/5/2010 7:42:29 AM |
| RiskManiac | $25.00 | $25.00 | 2/5/2010 5:36:50 AM |
| Lender0307 | $25.00 | $25.00 | 2/5/2010 9:04:55 AM |
| uvumf | $25.00 | $25.00 | 2/5/2010 9:36:20 AM |
| ujiba | $25.00 | $25.00 | 2/5/2010 9:35:55 AM |
| kf88 | $30.00 | $30.00 | 2/5/2010 1:07:51 PM |
| octoberfresh | $25.00 | $25.00 | 2/5/2010 12:30:07 PM |
| lendaton | $25.00 | $25.00 | 2/5/2010 2:17:54 PM |
| Student_Capital | $25.00 | $25.00 | 2/5/2010 2:12:09 PM |
| worth-victor6 | $25.00 | $25.00 | 2/5/2010 4:18:34 PM |
| lean-velocity | $25.00 | $25.00 | 1/29/2010 4:36:16 PM |
| WSTRDG | $25.00 | $25.00 | 1/29/2010 4:48:58 PM |
| rolandweary | $30.00 | $30.00 | 1/29/2010 4:53:41 PM |
| kanakakm | $50.00 | $50.00 | 1/29/2010 4:53:44 PM |
| first-pragmatic-note | $25.00 | $25.00 | 1/29/2010 4:53:48 PM |
| AFairDeal | $25.00 | $25.00 | 1/29/2010 4:53:13 PM |
| peerlender | $30.00 | $30.00 | 1/29/2010 4:53:20 PM |
| supreme-hope | $25.00 | $25.00 | 1/29/2010 4:54:01 PM |
| worthy-bid4 | $25.00 | $25.00 | 1/29/2010 6:45:33 PM |
| Walkingcowboy | $25.00 | $25.00 | 1/29/2010 4:52:42 PM |
| Cai8899 | $75.00 | $75.00 | 1/29/2010 4:52:50 PM |
| market-builder | $25.00 | $25.00 | 1/29/2010 4:52:57 PM |
| AF-Chief | $35.00 | $35.00 | 1/29/2010 4:54:04 PM |
| madmoney618 | $50.00 | $50.00 | 1/30/2010 5:26:47 AM |
| PeacefulFlorida | $50.00 | $50.00 | 1/29/2010 7:42:42 PM |
| selector568 | $71.27 | $71.27 | 1/30/2010 10:38:17 AM |
| lastelias | $42.00 | $42.00 | 1/30/2010 10:45:58 AM |
| Boinky00 | $50.00 | $50.00 | 1/30/2010 10:53:34 AM |
| PRGuyinVA | $25.00 | $25.00 | 1/30/2010 11:01:17 AM |
| skibum78 | $25.00 | $25.00 | 1/30/2010 12:14:44 PM |
| dbanwart | $25.00 | $25.00 | 1/31/2010 12:21:47 PM |
| medarocket | $25.00 | $25.00 | 1/31/2010 2:53:48 PM |
| BrighterSuns | $26.35 | $26.35 | 1/31/2010 4:34:13 PM |
| serene-truth2 | $25.00 | $25.00 | 1/31/2010 5:58:23 PM |
| platinum-platoon | $25.00 | $25.00 | 1/31/2010 7:13:29 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 2/1/2010 11:38:34 AM |
| beaver0206 | $25.00 | $25.00 | 2/1/2010 6:09:25 PM |
| peb44 | $25.00 | $25.00 | 2/1/2010 7:12:04 PM |
| compuguy8 | $38.24 | $38.24 | 2/1/2010 7:41:21 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/1/2010 8:36:44 PM |
| GBLENDER | $25.00 | $25.00 | 2/2/2010 1:12:47 AM |
| copiosus | $25.00 | $25.00 | 2/2/2010 7:12:03 PM |
| JCPlending | $25.00 | $25.00 | 2/2/2010 7:25:13 PM |
| JohnSmith10 | $25.00 | $25.00 | 2/2/2010 8:45:38 PM |
| nerd2fly | $25.00 | $25.00 | 2/3/2010 6:58:07 PM |
| BURNERA_1 | $150.00 | $150.00 | 2/4/2010 10:03:55 AM |
| scott2004114 | $49.00 | $49.00 | 2/4/2010 11:19:53 AM |
| Digs | $25.00 | $25.00 | 2/4/2010 11:58:08 AM |
| nicebank | $25.60 | $25.60 | 2/4/2010 1:31:20 PM |
| best-generosity-financier | $25.00 | $25.00 | 2/4/2010 4:18:51 PM |
| BipedalHominid | $25.00 | $25.00 | 2/4/2010 4:24:32 PM |
| JaceSpade | $25.00 | $25.00 | 2/4/2010 5:37:17 PM |
| gsd | $25.00 | $25.00 | 2/4/2010 5:40:37 PM |
| psbruce | $29.31 | $29.31 | 2/4/2010 7:31:33 PM |
| Richmp412 | $25.00 | $25.00 | 2/5/2010 5:30:13 AM |
| suzanny | $40.93 | $40.93 | 2/5/2010 6:03:18 AM |
| wild-orange | $25.00 | $25.00 | 2/5/2010 9:56:17 AM |
| gsp1885 | $25.00 | $25.00 | 2/5/2010 10:07:33 AM |
| hope-lionheart1 | $25.00 | $25.00 | 2/5/2010 10:13:50 AM |
| Snoopylover | $25.00 | $25.00 | 2/5/2010 11:22:23 AM |
| Aberdeen | $300.00 | $300.00 | 2/5/2010 11:48:46 AM |
| dammage | $45.00 | $45.00 | 2/5/2010 12:43:13 PM |
| FundMaker | $25.00 | $25.00 | 2/5/2010 12:56:30 PM |
| vtr1000 | $29.60 | $29.60 | 2/5/2010 1:14:42 PM |
| worth-quark | $25.00 | $25.00 | 2/5/2010 4:02:52 PM |
| 119 bids
|
Borrower Payment Dependent Notes Series
444771
This series of Notes was issued and sold upon the funding of the borrower loan #40835, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Jan-29-2010 |
| |
Auction end date:
| Feb-05-2010 |
|
|
Starting lender yield:
| 20.08% |
Starting borrower rate/APR:
| 21.08% / 24.89% |
Starting monthly payment:
| $37.72 |
|
Final lender yield:
| 16.90% |
Final borrower rate/APR:
| 17.90% / 21.64% |
Final monthly payment:
| $36.10 |
| |
|
Auction yield range:
| 8.06% - 20.08% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.01% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 9
/
7 | Length of status: | 0y 5m |
|
Credit score:
| 660-679 (Jan-2010) |
Total credit lines:
| 25 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,430 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| felicity-equator |
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
Funding School
Purpose of loan:
This loan will be used to purchase books and cover other expenses related to attending college/flight school.
My financial situation:
I am a good candidate for this loan because I will actually have the funds to repay the amount in full within a month. As a result of recent financial turmoil, the scholarship that was supposed to pay for my schooling has been delayed. I have been informed I will receive the check in the mail at the beginning or in the middle of March. Unfortunately, school begins February 1st. I fully intend to repay this loan amount in full as soon as I receive the money that was supposed to fund my schooling initially.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Nemo2001 | $25.00 | $11.94 | 1/31/2010 10:11:42 PM |
| rome1426 | $25.00 | $25.00 | 2/4/2010 1:42:02 PM |
| Leshan | $25.00 | $25.00 | 2/4/2010 4:24:59 PM |
| marwadi-62 | $50.00 | $50.00 | 2/4/2010 7:02:23 PM |
| MrPie | $25.93 | $25.93 | 2/5/2010 3:55:23 AM |
| Leopoldine | $25.00 | $25.00 | 2/5/2010 11:50:35 AM |
| maximizer | $25.00 | $25.00 | 2/5/2010 1:22:39 PM |
| CaliforniaRepublic | $25.00 | $25.00 | 2/5/2010 1:27:18 PM |
| ultimate-peace | $360.00 | $360.00 | 2/5/2010 4:07:12 PM |
| gilbrear | $25.00 | $25.00 | 2/5/2010 4:16:12 PM |
| The-CAPS-fan | $45.00 | $45.00 | 2/5/2010 4:08:43 PM |
| Engineer44 | $25.00 | $25.00 | 2/5/2010 4:25:29 PM |
| worthy-bid4 | $50.00 | $50.00 | 1/30/2010 9:38:21 AM |
| enthusiastic-market2 | $40.00 | $40.00 | 2/4/2010 10:24:44 AM |
| kendigme | $27.13 | $27.13 | 2/4/2010 2:49:56 PM |
| wild-orange | $25.00 | $25.00 | 2/5/2010 12:59:08 AM |
| PotBellyPete | $90.00 | $90.00 | 2/5/2010 7:09:15 AM |
| sbv1689 | $25.00 | $25.00 | 2/5/2010 8:23:32 AM |
| gothampark | $25.00 | $25.00 | 2/5/2010 12:10:58 PM |
| Mindful7 | $25.00 | $25.00 | 2/5/2010 12:00:20 PM |
| the-silver-blaster | $25.00 | $25.00 | 2/5/2010 4:17:32 PM |
| 21 bids
|
Borrower Payment Dependent Notes Series
444825
This series of Notes was issued and sold upon the funding of the borrower loan #40822, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Feb-01-2010 |
| |
Auction end date:
| Feb-03-2010 |
|
|
Starting lender yield:
| 5.15% |
Starting borrower rate/APR:
| 6.15% / 6.49% |
Starting monthly payment:
| $45.73 |
|
Final lender yield:
| 5.10% |
Final borrower rate/APR:
| 6.10% / 6.44% |
Final monthly payment:
| $45.70 |
| |
|
Auction yield range:
| 3.06% - 5.15% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.50% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 2% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 3m |
|
Credit score:
| 840-859 (Jan-2010) |
Total credit lines:
| 32 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,192 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| turtleafmd |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 840-859 (Latest)
|
|
Principal borrowed:
| $1,300.00 | < mo. late:
| 0
( 0% )
| 780-799
(Apr-2008)
|
|
Principal balance:
| $247.33 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off crdit cards
My financial situation:
I am a good candidate for this loan because I've used Prosper before and I have a great repayment record.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| selector568 | $250.00 | $250.00 | 2/1/2010 4:04:53 PM |
| turbospeed | $25.00 | $25.00 | 2/1/2010 4:04:06 PM |
| lean-velocity | $25.00 | $25.00 | 2/1/2010 4:14:25 PM |
| schpere | $30.00 | $30.00 | 2/1/2010 4:34:07 PM |
| bowdish1 | $100.00 | $100.00 | 2/1/2010 4:34:31 PM |
| AFairDeal | $25.00 | $25.00 | 2/1/2010 4:34:45 PM |
| determined-contract | $30.00 | $30.00 | 2/1/2010 4:35:36 PM |
| dollar-birdie | $30.00 | $5.00 | 2/1/2010 4:35:42 PM |
| MKLManagement | $50.00 | $50.00 | 2/1/2010 4:44:30 PM |
| peerlender | $30.00 | $30.00 | 2/1/2010 4:35:02 PM |
| axelducheck | $25.00 | $25.00 | 2/1/2010 5:04:33 PM |
| jackdempsey | $25.00 | $25.00 | 2/2/2010 4:29:09 AM |
| SchaeferJ | $25.00 | $25.00 | 2/2/2010 10:49:38 AM |
| best-generosity-financier | $25.00 | $25.00 | 2/2/2010 4:11:22 PM |
| nbah123 | $50.00 | $50.00 | 2/2/2010 9:46:07 PM |
| skuba | $50.00 | $50.00 | 2/1/2010 4:08:39 PM |
| kenji4861 | $25.00 | $25.00 | 2/1/2010 4:14:17 PM |
| DonaldColorado | $25.00 | $25.00 | 2/1/2010 4:14:30 PM |
| inspired-contract9 | $50.00 | $50.00 | 2/1/2010 4:33:48 PM |
| bchen78875 | $50.00 | $50.00 | 2/1/2010 4:33:37 PM |
| dealarella | $25.00 | $25.00 | 2/1/2010 4:34:38 PM |
| market-builder | $25.00 | $25.00 | 2/1/2010 4:34:20 PM |
| delicious-social132 | $25.00 | $25.00 | 2/1/2010 4:34:25 PM |
| kmr2 | $100.00 | $100.00 | 2/1/2010 4:34:53 PM |
| thedoctor | $90.00 | $90.00 | 2/1/2010 4:35:12 PM |
| Walkingcowboy | $25.00 | $25.00 | 2/1/2010 4:33:58 PM |
| Cai8899 | $75.00 | $75.00 | 2/1/2010 4:34:12 PM |
| commerce-web5 | $40.00 | $40.00 | 2/1/2010 4:35:24 PM |
| MoneyForNothing | $25.00 | $25.00 | 2/1/2010 10:33:14 PM |
| amit_gu | $50.00 | $50.00 | 2/2/2010 9:40:56 AM |
| exchange-squirrel | $25.00 | $25.00 | 2/1/2010 11:57:10 PM |
| elevated-finance | $25.00 | $25.00 | 2/2/2010 5:42:25 PM |
| PeacefulFlorida | $50.00 | $50.00 | 2/2/2010 6:46:11 PM |
| 33 bids
|
Borrower Payment Dependent Notes Series
445031
This series of Notes was issued and sold upon the funding of the borrower loan #40846, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,700.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| Feb-01-2010 |
| |
Auction end date:
| Feb-08-2010 |
|
|
Starting lender yield:
| 28.02% |
Starting borrower rate/APR:
| 29.02% / 31.38% |
Starting monthly payment:
| $71.26 |
|
Final lender yield:
| 18.69% |
Final borrower rate/APR:
| 19.69% / 21.92% |
Final monthly payment:
| $62.91 |
| |
|
Auction yield range:
| 8.06% - 28.02% |
Estimated loss impact:
| 8.43% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.26% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 10
/
8 | Length of status: | 4y 8m |
|
Credit score:
| 700-719 (Jan-2010) |
Total credit lines:
| 14 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $249 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| actorman1 |
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
Two Month Repay - Emergency Car Fix
Purpose of loan:
I need $1700 to fix my Toyota Prius high voltage battery, which recently started to malfunction.? This is a rather expensive repair, but I have found an engineer who fixes high voltage batteries for much less than the dealership quoted me last week.? I have talked to three people who have used his services; all of them raved about his professionalism.? He also gives a very sensible performance guarantee, which is nice.? Overall, a working car is necessary as a business asset for me.? To make extra money, I often tutor high school and college students for $125/hour.? I am able to charge so much because I went to an elite college back east, but without a car, my ability to get to my tutoring appointments is greatly diminished.? I will also have trouble getting to my meetings in the entertainment industry.? In short, I really need to get this car fixed.?
My financial situation:
I plan to pay this loan off within two months? I am a good candidate for this loan because I have absolutely no debt whatsoever. I've got a good credit score. My car is paid off, and I have very few monthly expenses that are not flexible according to how much money I have coming in.? In a more typical month, I probably wouldn't even need this money, but since I traveled for most of December and early January, things were very tight when my car battery died. I am very conscientious about paying my bills.? As I am currently working in the entertainment industry (both writing and acting), my parents have been very good about making sure I have enough money if things ever get tight.? I'm fortunate that they've been so kind in that way.? Ultimately, it is both true that I would personally never default on a loan, and that my parents would step in way before such a loan went into default.? I do feel a need, however, to explain the "4 delinquencies" that currently appear on my credit report.? I have been in a protracted dispute with the credit reporting agencies about a 3-year-old utility bill that my then-roommate paid late.? Unfortunately, my name was on the account as well, and while the debt was paid in full once I discovered it, it has reported negatively nonetheless.? This has been very frustrating to me, but I have been unable to reach any agreement to get the delinquencies removed.? Please know that I will not default.? I cannot afford having my credit score drop in any way.
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $
700 (I split an apartment)
??Insurance: $0
??Car expenses: $ 35
??Utilities: $ 40 (I have a roommate)
??Phone, cable, internet: $
20
??Food, entertainment: $ 400
(totally flexible depending upon month)
??Clothing, household expenses $0
??Credit cards and other loans: $
0
??Other expenses: $
0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Nemo2001 | $25.00 | $25.00 | 2/2/2010 12:30:19 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/4/2010 4:26:55 PM |
| PeterPsych | $200.00 | $200.00 | 2/5/2010 7:35:43 PM |
| jep7070 | $50.00 | $50.00 | 2/6/2010 3:18:27 AM |
| Approved | $25.00 | $25.00 | 2/6/2010 11:59:58 AM |
| solin003 | $25.00 | $25.00 | 2/6/2010 2:28:14 PM |
| credit-shower | $100.00 | $100.00 | 2/7/2010 5:20:11 PM |
| FinanciallySavvyMom | $33.34 | $33.34 | 2/7/2010 6:29:02 PM |
| farblest | $50.00 | $50.00 | 2/7/2010 7:59:55 PM |
| lyrisnox | $30.00 | $30.00 | 2/7/2010 6:35:53 PM |
| mckhbnpc | $25.00 | $25.00 | 2/8/2010 8:17:34 AM |
| dynrep | $50.00 | $50.00 | 2/8/2010 10:05:41 AM |
| reflective-rupee | $50.00 | $50.00 | 2/8/2010 10:19:45 AM |
| ThisGuyIKnow | $100.00 | $100.00 | 2/8/2010 10:58:06 AM |
| shrewd-income | $100.00 | $100.00 | 2/8/2010 12:01:31 PM |
| 420limo | $25.00 | $25.00 | 2/8/2010 12:56:43 PM |
| Student_Capital | $50.00 | $50.00 | 2/8/2010 2:38:29 PM |
| maximizer | $25.00 | $25.00 | 2/8/2010 3:35:58 PM |
| CaliforniaRepublic | $25.00 | $25.00 | 2/8/2010 4:02:38 PM |
| usd1027 | $25.00 | $25.00 | 2/8/2010 2:17:38 PM |
| toxicbutterfly | $30.00 | $30.00 | 2/8/2010 3:30:27 PM |
| Selttus | $25.00 | $25.00 | 2/8/2010 3:55:44 PM |
| Byrd24 | $100.00 | $100.00 | 2/8/2010 3:54:34 PM |
| unger | $50.00 | $25.16 | 2/8/2010 4:04:01 PM |
| workwithchrisDOTbiz | $50.00 | $50.00 | 2/8/2010 4:04:53 PM |
| millioncan | $25.00 | $25.00 | 2/8/2010 4:05:31 PM |
| IPG1 | $25.00 | $25.00 | 2/4/2010 4:24:26 PM |
| grammaspurse | $25.00 | $25.00 | 2/4/2010 6:50:30 PM |
| dudebrah | $25.00 | $25.00 | 2/5/2010 10:38:02 AM |
| ColoradoLender82 | $25.00 | $25.00 | 2/6/2010 4:27:40 PM |
| hellasow | $25.00 | $25.00 | 2/6/2010 11:57:39 AM |
| integrity-doctor | $50.00 | $50.00 | 2/6/2010 1:52:56 PM |
| Exibility-Inc | $25.00 | $25.00 | 2/8/2010 12:16:54 PM |
| dorypro | $25.00 | $25.00 | 2/8/2010 12:24:28 PM |
| fairness-atmosphere | $25.00 | $25.00 | 2/8/2010 12:46:57 PM |
| wild-orange | $25.00 | $25.00 | 2/8/2010 1:16:50 PM |
| goodhearted-basis4 | $25.00 | $25.00 | 2/8/2010 4:04:32 PM |
| trade-elm | $25.00 | $25.00 | 2/8/2010 2:51:54 PM |
| nickel-pipeline | $31.50 | $31.50 | 2/8/2010 3:39:59 PM |
| cunning-bill | $25.00 | $25.00 | 2/8/2010 4:02:50 PM |
| DasMula | $25.00 | $25.00 | 2/8/2010 3:54:00 PM |
| 41 bids
|
Borrower Payment Dependent Notes Series
445265
This series of Notes was issued and sold upon the funding of the borrower loan #40825, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,600.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Feb-03-2010 |
| |
Auction end date:
| Feb-05-2010 |
|
|
Starting lender yield:
| 8.40% |
Starting borrower rate/APR:
| 9.40% / 11.59% |
Starting monthly payment:
| $51.18 |
|
Final lender yield:
| 7.35% |
Final borrower rate/APR:
| 8.35% / 10.53% |
Final monthly payment:
| $50.40 |
| |
|
Auction yield range:
| 4.06% - 8.40% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.24% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-2006 |
Debt/Income ratio:
| 2% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 6
/
3 | Length of status: | 0y 11m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 6 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $62 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| commitment-searcher |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Purchasing a New Computer
Purpose of loan:
This loan will be used to? Invest in a brand new iMAC computer, including a taller monitor and some of their more sophisticated software.
My financial situation:
I am a good candidate for this loan because? I work in the banking industry and have a 100% grasp on the loan and repayment process.? I pay all of my bills early or on time, including my credit card which I pay off every month in full.??The only issue is that up until March of last year I was getting creamed with high interest credit card debt due to a failing real estate finance business.? I was late for several months, but as soon as I was hired at JPMorgan Chase I paid both of them off in full. Due to my strong performance, I am already being considered for management opportunities.? Your loan, principal and interest are securely invested in me.
Monthly net income: $ 3000+
Monthly expenses: $
??Housing: $ 550
??Insurance: $ 95
??Car expenses: $ 0 (Paid in full)
??Utilities: $ 80
??Phone, cable, internet: $?120
??Food, entertainment: $?1300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| lean-velocity | $25.00 | $25.00 | 2/3/2010 4:03:47 PM |
| selector568 | $250.00 | $250.00 | 2/3/2010 4:01:40 PM |
| meenan | $25.00 | $25.00 | 2/3/2010 4:13:13 PM |
| kulender | $30.00 | $30.00 | 2/3/2010 4:13:27 PM |
| social-conductor4 | $25.00 | $25.00 | 2/3/2010 4:13:32 PM |
| br4444 | $25.00 | $25.00 | 2/3/2010 4:14:16 PM |
| credit-force5 | $25.00 | $25.00 | 2/3/2010 4:13:25 PM |
| skuba | $50.00 | $50.00 | 2/3/2010 4:02:03 PM |
| Cai8899 | $75.00 | $75.00 | 2/3/2010 4:22:42 PM |
| delicious-social132 | $25.00 | $25.00 | 2/3/2010 4:22:48 PM |
| market-builder | $25.00 | $25.00 | 2/3/2010 4:22:45 PM |
| lloyd_s | $25.00 | $25.00 | 2/3/2010 4:13:17 PM |
| AF-Chief | $28.00 | $28.00 | 2/3/2010 4:14:11 PM |
| blissful-note7 | $25.00 | $25.00 | 2/3/2010 4:15:01 PM |
| bchen78875 | $50.00 | $50.00 | 2/3/2010 4:22:36 PM |
| dealarella | $25.00 | $25.00 | 2/3/2010 4:23:01 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 2/3/2010 5:48:09 PM |
| interstellar | $33.10 | $33.10 | 2/4/2010 1:19:24 PM |
| SpotLending | $50.00 | $50.00 | 2/5/2010 2:36:54 PM |
| DonaldColorado | $25.00 | $25.00 | 2/3/2010 4:03:52 PM |
| moola-escalator | $50.00 | $50.00 | 2/3/2010 4:14:05 PM |
| blooming-market | $25.00 | $25.00 | 2/3/2010 4:14:08 PM |
| commerce-voyager | $25.00 | $25.00 | 2/3/2010 4:12:40 PM |
| penny-zeus | $25.00 | $25.00 | 2/3/2010 4:14:36 PM |
| personal-lender | $25.00 | $25.00 | 2/3/2010 4:13:22 PM |
| CardCapDude | $25.00 | $25.00 | 2/3/2010 4:14:57 PM |
| theprince | $25.00 | $25.00 | 2/3/2010 4:13:37 PM |
| skvat | $25.00 | $25.00 | 2/3/2010 4:13:58 PM |
| trade-trumpet | $25.00 | $25.00 | 2/3/2010 4:14:00 PM |
| gold-commander0 | $50.00 | $50.00 | 2/3/2010 4:14:30 PM |
| kenji4861 | $25.00 | $25.00 | 2/3/2010 4:03:41 PM |
| inspired-contract9 | $50.00 | $50.00 | 2/3/2010 4:22:40 PM |
| bowdish1 | $100.00 | $100.00 | 2/3/2010 4:22:54 PM |
| kmr2 | $100.00 | $78.81 | 2/3/2010 4:23:04 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/3/2010 4:13:44 PM |
| forthright-dedication | $25.00 | $25.00 | 2/3/2010 4:14:28 PM |
| falcon245sp | $25.00 | $25.00 | 2/3/2010 4:15:13 PM |
| PeacefulFlorida | $30.09 | $30.09 | 2/3/2010 7:18:18 PM |
| marwadi-62 | $25.00 | $25.00 | 2/4/2010 7:10:49 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/4/2010 7:11:31 PM |
| a-shiny-dime | $25.00 | $25.00 | 2/5/2010 12:46:29 PM |
| 41 bids
|
Borrower Payment Dependent Notes Series
445615
This series of Notes was issued and sold upon the funding of the borrower loan #40831, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-10-2010 |
|
|
Starting lender yield:
| 20.08% |
Starting borrower rate/APR:
| 21.08% / 24.89% |
Starting monthly payment:
| $37.72 |
|
Final lender yield:
| 18.00% |
Final borrower rate/APR:
| 19.00% / 22.76% |
Final monthly payment:
| $36.66 |
| |
|
Auction yield range:
| 8.06% - 20.08% |
Estimated loss impact:
| 6.92% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.08% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-2007 |
Debt/Income ratio:
| 5% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 11m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 4 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,309 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| politicalwriter |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 10 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 620-639
(Nov-2009)
600-619
(May-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Paying for college
Purpose of loan:This loan will be used to offset some tuition and textbook costs.My financial situation:I am a good candidate for this loan because I have a full-time job with the Mayor's office in the City of Lansing and therefore a steady income.? I have a decent credit score and I have been on-time for the last 37 credit card payments.? I also took out a Prosper loan? about 2 years ago that I paid back in under 2 years.Monthly net income: $ 1,550Monthly expenses: $ 1285??Housing: $
235 (I split rent with my fiance)??Insurance: $ 55??Car expenses: $
60??Utilities: $
35??Phone, cable, internet: $ 60
??Food, entertainment: $? 400??Clothing, household expenses $? 70
??Credit cards and other loans: $
70??Other expenses: $ 300
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| economy-caper9 | $25.00 | $25.00 | 2/8/2010 12:03:12 PM |
| Streamfeeder | $25.00 | $25.00 | 2/8/2010 11:57:34 AM |
| SolarMoonshine | $25.00 | $25.00 | 2/8/2010 5:27:22 PM |
| kalihan42 | $25.00 | $25.00 | 2/8/2010 7:10:27 PM |
| zmaurides | $25.00 | $25.00 | 2/8/2010 7:27:16 PM |
| Leopoldine | $25.43 | $25.43 | 2/8/2010 7:53:13 PM |
| F_R_B_O_H | $50.00 | $50.00 | 2/8/2010 10:54:33 PM |
| Bob450 | $25.00 | $25.00 | 2/8/2010 10:04:18 PM |
| Statman01 | $25.00 | $25.00 | 2/9/2010 8:20:26 AM |
| GS-ROCK | $25.00 | $25.00 | 2/9/2010 10:51:20 AM |
| grammaspurse | $25.00 | $25.00 | 2/9/2010 12:42:21 PM |
| Green-Baron | $25.00 | $25.00 | 2/9/2010 8:40:50 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/10/2010 7:52:51 AM |
| cash-spinner | $25.00 | $25.00 | 2/10/2010 9:29:12 AM |
| enthusiastic-point | $25.00 | $25.00 | 2/10/2010 2:36:11 PM |
| LarWit1512 | $25.00 | $25.00 | 2/10/2010 4:09:54 PM |
| investment-party | $106.36 | $106.36 | 2/10/2010 12:19:45 PM |
| loyalist1 | $25.00 | $25.00 | 2/8/2010 10:21:47 AM |
| zento | $25.00 | $25.00 | 2/8/2010 10:19:11 AM |
| lucrative-loan | $50.00 | $50.00 | 2/8/2010 11:11:31 AM |
| ptjg | $50.00 | $50.00 | 2/8/2010 11:57:58 AM |
| IPG1 | $25.00 | $25.00 | 2/8/2010 12:53:57 PM |
| good4loan | $25.00 | $25.00 | 2/8/2010 4:49:01 PM |
| nutandhoney | $25.00 | $25.00 | 2/8/2010 5:56:02 PM |
| vine99 | $45.00 | $45.00 | 2/8/2010 6:01:00 PM |
| HeroJason86 | $25.00 | $25.00 | 2/8/2010 7:41:53 PM |
| CashBank | $25.00 | $25.00 | 2/9/2010 9:28:45 AM |
| brodav | $50.00 | $50.00 | 2/9/2010 6:03:03 PM |
| wwwUniversal | $25.00 | $25.00 | 2/9/2010 5:25:01 PM |
| bettndon | $79.98 | $23.21 | 2/9/2010 6:14:25 PM |
| Vetrepreneur | $25.00 | $25.00 | 2/9/2010 7:05:38 PM |
| broomfieldbucks | $25.00 | $25.00 | 2/10/2010 2:02:26 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
446287
This series of Notes was issued and sold upon the funding of the borrower loan #40824, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Feb-10-2010 |
| |
Auction end date:
| Feb-10-2010 |
|
|
Starting lender yield:
| 15.50% |
Starting borrower rate/APR:
| 16.50% / 18.69% |
Starting monthly payment:
| $177.02 |
|
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $159.46 |
| |
|
Auction yield range:
| 4.06% - 15.50% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
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. 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.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.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 46% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 9m |
|
Credit score:
| 700-719 (Jan-2010) |
Total credit lines:
| 23 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,824 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| visionmatter |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 22 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $17,500.00 | < mo. late:
| 0
( 0% )
| 680-699
(Nov-2009)
660-679
(Jul-2009)
700-719
(Aug-2008)
720-739
(Apr-2008)
|
|
Principal balance:
| $2,716.31 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
**Paying Off Higher Int. Card**
Hello and thank you for viewing my listing.
I currently have 1 personal loan with Prosper that I've paid on-time for over a year now (13.20%), so you know I'll pay back this loan. I have one card with a higher interest rate that I want to turn into a lower interest Prosper loan. I have a Bank of America card balance of $5,000 (24.98%). My credit score in Nov. 2008 was a 742, and only dropped because I paid off a loan, and transferred some of my debt to credit cards with low balance transfer rates of 1.9%, and 2.9%.
I always pay my bills, so you don't have to worry about repayment; just look at my 0 delinquencies/collections.
I would use the Prosper loan to pay off the following loans:
$5,000 Bank of America credit card
-------
I currently pay on:
Prosper Loan...$168.95
Rent...$540.00
Utilities...$60
Student Loans...$200
Groceries...$120
Gas...$25
Net Income...$1,500.00
With this?Prosper loan I can get my debt payments lowered, which will give me more breathing room, and allow me to pay off my credit cards ONCE AND FOR ALL.?I promise that my payments to Prosper will be my top priority each month. In fact, I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time.
Thank you again for viewing my listing, and God bless.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 2/10/2010 4:11:17 PM |
| riproaringrapids | $25.00 | $25.00 | 2/10/2010 4:11:51 PM |
| AF-Chief | $27.00 | $27.00 | 2/10/2010 4:12:58 PM |
| lean-velocity | $25.00 | $25.00 | 2/10/2010 4:12:14 PM |
| rpatusa | $25.00 | $25.00 | 2/10/2010 4:11:33 PM |
| sophisticated-ore | $200.00 | $200.00 | 2/10/2010 4:19:34 PM |
| radforj22 | $25.00 | $25.00 | 2/10/2010 4:20:37 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/10/2010 4:21:43 PM |
| PocketAces | $25.00 | $25.00 | 2/10/2010 4:23:05 PM |
| desertoasis | $50.00 | $50.00 | 2/10/2010 4:23:43 PM |
| macjp123 | $25.00 | $25.00 | 2/10/2010 4:25:24 PM |
| cvfriend | $25.00 | $25.00 | 2/10/2010 4:25:38 PM |
| nourishing-interest0 | $25.00 | $25.00 | 2/10/2010 4:25:44 PM |
| flexible-value | $25.00 | $25.00 | 2/10/2010 4:21:57 PM |
| supreme-hope | $25.00 | $25.00 | 2/10/2010 4:21:34 PM |
| auction-elvis | $25.00 | $25.00 | 2/10/2010 4:22:58 PM |
| OCedHrt | $25.00 | $25.00 | 2/10/2010 4:23:16 PM |
| reflective-cash0 | $100.00 | $100.00 | 2/10/2010 4:22:09 PM |
| peso-colonel | $90.00 | $90.00 | 2/10/2010 4:23:49 PM |
| lloyd_s | $25.00 | $25.00 | 2/10/2010 4:27:45 PM |
| rooosta | $25.00 | $25.00 | 2/10/2010 4:28:09 PM |
| fishintime | $25.00 | $25.00 | 2/10/2010 4:23:23 PM |
| LandE2BG | $25.00 | $25.00 | 2/10/2010 4:25:18 PM |
| egw | $25.00 | $25.00 | 2/10/2010 4:23:56 PM |
| cash-queen | $30.00 | $30.00 | 2/10/2010 4:24:10 PM |
| Rick7925 | $25.00 | $25.00 | 2/10/2010 4:24:14 PM |
| loan-warrior | $25.00 | $25.00 | 2/10/2010 4:30:09 PM |
| bold-bright-currency | $25.00 | $25.00 | 2/10/2010 4:26:38 PM |
| social-conductor4 | $25.00 | $25.00 | 2/10/2010 4:25:12 PM |
| integrity-doctor | $50.00 | $50.00 | 2/10/2010 4:30:20 PM |
| TennSquire | $25.00 | $25.00 | 2/10/2010 4:25:30 PM |
| bill-expert | $25.00 | $25.00 | 2/10/2010 4:30:53 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 2/10/2010 4:27:18 PM |
| Pizza-man | $50.00 | $50.00 | 2/10/2010 4:31:17 PM |
| Kaj | $25.00 | $25.00 | 2/10/2010 4:27:36 PM |
| value-pole | $25.00 | $25.00 | 2/10/2010 4:27:54 PM |
| forthright-dedication | $50.00 | $50.00 | 2/10/2010 4:26:03 PM |
| MM1207 | $25.00 | $25.00 | 2/10/2010 4:28:28 PM |
| crazycool | $25.00 | $25.00 | 2/10/2010 4:32:36 PM |
| Carpetkid | $25.00 | $25.00 | 2/10/2010 4:33:12 PM |
| bowdish1 | $100.00 | $100.00 | 2/10/2010 4:33:18 PM |
| psztnrw | $100.00 | $100.00 | 2/10/2010 4:29:47 PM |
| newgroom422 | $25.00 | $25.00 | 2/10/2010 4:33:36 PM |
| MrDavid | $25.00 | $25.00 | 2/10/2010 4:30:25 PM |
| jrbill1998 | $50.00 | $50.00 | 2/10/2010 4:30:36 PM |
| E_G | $30.00 | $30.00 | 2/10/2010 4:31:21 PM |
| impeccable-transparency | $75.00 | $75.00 | 2/10/2010 4:29:23 PM |
| balance6 | $25.00 | $25.00 | 2/10/2010 4:29:41 PM |
| bchen78875 | $25.00 | $25.00 | 2/10/2010 4:32:10 PM |
| gulch | $25.00 | $25.00 | 2/10/2010 4:32:19 PM |
| Prosp_Lender | $50.00 | $50.00 | 2/10/2010 4:32:23 PM |
| larrybird | $100.00 | $100.00 | 2/10/2010 4:32:31 PM |
| upbeat-investment9 | $25.00 | $25.00 | 2/10/2010 4:30:42 PM |
| maldok1 | $25.00 | $25.00 | 2/10/2010 4:30:58 PM |
| reward-adventure | $25.00 | $25.00 | 2/10/2010 4:33:10 PM |
| paymentologist | $25.00 | $25.00 | 2/10/2010 4:31:04 PM |
| punctual-power7 | $25.00 | $25.00 | 2/10/2010 4:31:11 PM |
| wayman | $50.00 | $50.00 | 2/10/2010 4:31:29 PM |
| gjh37 | $25.00 | $25.00 | 2/10/2010 4:33:46 PM |
| torion | $25.00 | $25.00 | 2/10/2010 4:34:05 PM |
| Ranch88 | $25.00 | $25.00 | 2/10/2010 4:34:11 PM |
| trumpeter5 | $25.00 | $25.00 | 2/10/2010 4:32:01 PM |
| dmfog | $25.00 | $25.00 | 2/10/2010 4:32:28 PM |
| anders94 | $25.00 | $25.00 | 2/10/2010 4:33:21 PM |
| luckyldy | $35.00 | $35.00 | 2/10/2010 4:33:31 PM |
| Katahdin | $25.00 | $25.00 | 2/10/2010 4:34:21 PM |
| invest0r | $25.00 | $25.00 | 2/10/2010 4:34:25 PM |
| BigBoy2008 | $25.00 | $3.00 | 2/10/2010 4:34:38 PM |
| SCD | $25.00 | $25.00 | 2/10/2010 5:21:30 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/10/2010 4:11:20 PM |
| kenji4861 | $25.00 | $25.00 | 2/10/2010 4:12:08 PM |
| skuba | $25.00 | $25.00 | 2/10/2010 4:12:24 PM |
| supreme-bonus0 | $25.00 | $25.00 | 2/10/2010 4:21:09 PM |
| MarcusOcean | $25.00 | $25.00 | 2/10/2010 4:22:37 PM |
| inspired-contract9 | $25.00 | $25.00 | 2/10/2010 4:22:49 PM |
| honorable-yield | $50.00 | $50.00 | 2/10/2010 4:19:11 PM |
| commerce-voyager | $25.00 | $25.00 | 2/10/2010 4:24:29 PM |
| jga516 | $25.00 | $25.00 | 2/10/2010 4:20:20 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/10/2010 4:25:58 PM |
| bruce3504 | $25.00 | $25.00 | 2/10/2010 4:22:33 PM |
| calm-deal7 | $25.00 | $25.00 | 2/10/2010 4:22:42 PM |
| credit-solstice | $25.00 | $25.00 | 2/10/2010 4:26:43 PM |
| personal-lender | $25.00 | $25.00 | 2/10/2010 4:27:28 PM |
| bokonon | $25.00 | $25.00 | 2/10/2010 4:22:31 PM |
| life-is-great | $25.00 | $25.00 | 2/10/2010 4:23:07 PM |
| kulender | $25.00 | $25.00 | 2/10/2010 4:24:41 PM |
| theprince | $25.00 | $25.00 | 2/10/2010 4:24:53 PM |
| DonaldColorado | $25.00 | $25.00 | 2/10/2010 4:28:37 PM |
| delicious-social132 | $25.00 | $25.00 | 2/10/2010 4:28:43 PM |
| elevated-platinum5 | $50.00 | $50.00 | 2/10/2010 4:29:18 PM |
| currency-agave | $25.00 | $25.00 | 2/10/2010 4:25:52 PM |
| loan-master996 | $50.00 | $50.00 | 2/10/2010 4:30:03 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/10/2010 4:25:01 PM |
| auction-turbine4 | $25.00 | $25.00 | 2/10/2010 4:27:07 PM |
| credit-kahuna | $100.00 | $100.00 | 2/10/2010 4:31:24 PM |
| orgy63 | $25.00 | $25.00 | 2/10/2010 4:26:09 PM |
| LiquidLender | $25.00 | $25.00 | 2/10/2010 4:26:15 PM |
| progressive-asset | $100.00 | $100.00 | 2/10/2010 4:26:21 PM |
| commitment-forte6 | $25.00 | $25.00 | 2/10/2010 4:32:41 PM |
| niskyfranchise | $25.00 | $25.00 | 2/10/2010 4:26:48 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 2/10/2010 4:32:48 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/10/2010 4:26:58 PM |
| xstreamin | $25.00 | $25.00 | 2/10/2010 4:32:54 PM |
| ThomasCrown | $30.00 | $30.00 | 2/10/2010 4:32:58 PM |
| hyetech | $35.00 | $35.00 | 2/10/2010 4:33:03 PM |
| benefit-squirrel | $30.00 | $30.00 | 2/10/2010 4:27:10 PM |
| inspiring-reward | $50.00 | $50.00 | 2/10/2010 4:29:36 PM |
| cpaphoto | $25.00 | $25.00 | 2/10/2010 4:33:26 PM |
| mtquan | $25.00 | $25.00 | 2/10/2010 4:29:59 PM |
| time4aloan | $50.00 | $50.00 | 2/10/2010 4:28:01 PM |
| kanakakm | $25.00 | $25.00 | 2/10/2010 4:30:30 PM |
| Speculator | $50.00 | $50.00 | 2/10/2010 4:28:49 PM |
| tedsrfdude | $25.00 | $25.00 | 2/10/2010 4:30:50 PM |
| kmr2 | $100.00 | $100.00 | 2/10/2010 4:28:56 PM |
| important-ore | $50.00 | $50.00 | 2/10/2010 4:29:03 PM |
| Cai8899 | $50.00 | $50.00 | 2/10/2010 4:29:11 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/10/2010 4:29:29 PM |
| hitsman | $50.00 | $50.00 | 2/10/2010 4:31:34 PM |
| duty-monger | $50.00 | $50.00 | 2/10/2010 4:31:41 PM |
| brazilofmux | $100.00 | $100.00 | 2/10/2010 4:31:52 PM |
| peerlender | $30.00 | $30.00 | 2/10/2010 4:31:58 PM |
| commerce-web5 | $25.00 | $25.00 | 2/10/2010 4:32:06 PM |
| dollar-birdie | $25.00 | $25.00 | 2/10/2010 4:30:16 PM |
| The-CAPS-fan | $30.00 | $30.00 | 2/10/2010 4:32:44 PM |
| tom48l | $25.00 | $25.00 | 2/10/2010 4:33:07 PM |
| klinebarger | $25.00 | $25.00 | 2/10/2010 4:31:45 PM |
| flopcat | $25.00 | $25.00 | 2/10/2010 4:31:49 PM |
| Maalot20 | $25.00 | $25.00 | 2/10/2010 4:34:18 PM |
| bnlforever | $25.00 | $25.00 | 2/10/2010 4:34:30 PM |
| harmonious-revenue7 | $25.00 | $25.00 | 2/10/2010 4:34:34 PM |
| aventurer | $25.00 | $25.00 | 2/10/2010 4:32:26 PM |
| Clambake | $50.00 | $50.00 | 2/10/2010 4:32:50 PM |
| tntbuzz | $25.00 | $25.00 | 2/10/2010 4:33:41 PM |
| jigsaw | $100.00 | $100.00 | 2/10/2010 4:33:50 PM |
| bonafide-cash | $50.00 | $50.00 | 2/10/2010 4:33:54 PM |
| selfmademan | $25.00 | $25.00 | 2/10/2010 4:34:27 PM |
| hellasow | $25.00 | $25.00 | 2/10/2010 5:53:23 PM |
| lender12345 | $25.00 | $25.00 | 2/10/2010 6:35:07 PM |
| 138 bids
|