Sales Report:Supplement No. 138 dated Feb 17, 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
415552
This series of Notes was issued and sold upon the funding of the borrower loan #40869, 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:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 11.52% |
Starting monthly payment:
| $31.34 |
|
Final lender yield:
| 6.90% |
Final borrower rate/APR:
| 7.90% / 11.42% |
Final monthly payment:
| $31.29 |
| |
|
Auction yield range:
| 4.06% - 7.00% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.79% | | |
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-1990 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 5y 3m |
|
Credit score:
| 760-779 (Feb-2010) |
Total credit lines:
| 19 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| henryvt |
Borrower's state:
| Vermont |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
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 / 2 |
On-time:
| 41 ( 98% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < mo. late:
| 1
( 2% )
| 640-659
(Jan-2008)
680-699
(Feb-2007)
|
|
Principal balance:
| $71.65 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 42 | | |
Description
managing debt
hello, with the funds i'll manage my vacation trip, prefer getting funds from prosper, wanting to support prosper...my creditrating is lower due to divorce and bankcrutpcy...i've a good job and good cashflow...salute to the free market and a free society.? thanks in advance
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) |
|
| orange-truth-pole | $31.00 | $31.00 | 2/9/2010 6:25:50 PM |
| toocautious | $100.00 | $30.15 | 2/10/2010 9:40:18 AM |
| Tuss12 | $107.85 | $107.85 | 2/12/2010 12:01:45 PM |
| nickel-worker8 | $25.00 | $25.00 | 2/12/2010 5:49:07 PM |
| RandyL3 | $36.00 | $36.00 | 2/13/2010 2:35:41 PM |
| Hartfelt | $70.00 | $70.00 | 2/13/2010 11:25:41 PM |
| marwadi-62 | $200.00 | $200.00 | 2/14/2010 6:23:21 AM |
| chanee83 | $25.00 | $25.00 | 2/14/2010 10:09:16 AM |
| smarva | $25.00 | $25.00 | 2/15/2010 8:37:12 AM |
| wild-orange | $25.00 | $25.00 | 2/15/2010 4:25:34 AM |
| catalystcf | $25.00 | $25.00 | 2/15/2010 8:35:36 AM |
| Dollars4Rent | $25.00 | $25.00 | 2/11/2010 1:17:54 PM |
| Unitas4302 | $100.00 | $100.00 | 2/13/2010 5:15:36 AM |
| dollars4loan | $50.00 | $50.00 | 2/13/2010 8:46:25 AM |
| Boinky00 | $50.00 | $50.00 | 2/14/2010 1:36:48 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 2/14/2010 10:18:56 PM |
| JerryB96 | $25.00 | $25.00 | 2/15/2010 8:10:58 AM |
| biohazardus | $25.00 | $25.00 | 2/15/2010 10:03:17 AM |
| jybank | $25.00 | $25.00 | 2/15/2010 12:00:53 PM |
| hope-lionheart1 | $50.00 | $50.00 | 2/15/2010 9:59:19 AM |
| porwestco | $25.00 | $25.00 | 2/15/2010 12:17:38 PM |
| 21 bids
|
Borrower Payment Dependent Notes Series
443766
This series of Notes was issued and sold upon the funding of the borrower loan #40870, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,900.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Jan-29-2010 |
| |
Auction end date:
| Feb-05-2010 |
|
|
Starting lender yield:
| 9.50% |
Starting borrower rate/APR:
| 10.50% / 12.61% |
Starting monthly payment:
| $321.77 |
|
Final lender yield:
| 8.35% |
Final borrower rate/APR:
| 9.35% / 11.45% |
Final monthly payment:
| $316.43 |
| |
|
Auction yield range:
| 4.06% - 9.50% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.23% | | |
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-2000 |
Debt/Income ratio:
| 9% |
|
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: | 4y 4m |
|
Credit score:
| 740-759 (Jan-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $24,475 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Yitzro |
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:
| 0 / 1 |
On-time:
| 22 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 760-779
(Dec-2007)
740-759
(Jan-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Paying off debt
And now, to describe myself:
I am a 28 year old male with a degree from a top university.? I was raised in a wonderful, cheap :)?family living in the suburbs.? After college, I was blessed with a job working as a bond trader on Wall Street, and I'm proud to say I am still working there, and I still love my job.
The purpose of the loan:
Paying off my credit card debt originated?recently - who knew diamond rings were so expensive?? That's right, I got engaged.? She was crying from joy when she saw the ring, and I was crying when I saw my credit card statement.
This really is risk free for you, since I have? $25,000 overdraft protection (also at an interest rate higher than I'd like to pay)?on my checking account, and I have my prosper account set up in a manner that will deduct the monthly payments automatically.
Please bid with confidence in the knowledge that I have never defaulted on a loan, I typically do not carry credit card debt (last 2 months are the exception), I am expecting another nice bonus this year, and I have a nice investment portfolio that I could liquidate if necessary.
Thank you again for this opportunity!
Happy Bidding!
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:
You have overdraft protection and therefore loaning you money is "risk- free"? What prevents you from closing your checking account & defaulting? The ethics of a bond trader? - TommyTucker
A:
Good question, Tommy.
Lenders are often concerned about the source of repayment for a loan, and the most secure loans are cash collateralized. In this instance, the loan will be repaid from my account whether or not there's money in it. As far as your concern that I might close my checking account, I guess it just takes a leap of faith to believe that I'm not looking to get $9,900, close all of my accounts, kill my credit score and move to Mexico.
(Feb-05-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| christifa | $25.00 | $25.00 | 1/29/2010 4:26:35 PM |
| lowrate | $25.00 | $25.00 | 1/29/2010 4:27:02 PM |
| Chuck9802 | $25.00 | $25.00 | 1/29/2010 4:27:52 PM |
| jfd287 | $25.00 | $25.00 | 1/29/2010 4:27:49 PM |
| PatRichi | $25.00 | $25.00 | 1/29/2010 4:28:02 PM |
| lcole32 | $31.60 | $31.60 | 1/29/2010 4:28:08 PM |
| fireboss | $100.00 | $100.00 | 1/29/2010 4:27:57 PM |
| kruizen | $25.00 | $25.00 | 1/29/2010 4:28:13 PM |
| dollar-high-five | $25.00 | $25.00 | 1/29/2010 4:28:23 PM |
| Cubsfan07 | $25.00 | $25.00 | 1/29/2010 4:28:37 PM |
| BigMoney56 | $25.00 | $25.00 | 1/29/2010 4:28:53 PM |
| nestegg4e | $25.00 | $25.00 | 1/29/2010 4:30:20 PM |
| gumbit | $25.18 | $25.18 | 1/29/2010 4:29:40 PM |
| smart-return | $25.00 | $25.00 | 1/29/2010 4:30:40 PM |
| ALVO | $35.82 | $35.82 | 1/29/2010 4:32:17 PM |
| CDEP79 | $25.00 | $25.00 | 1/29/2010 4:33:06 PM |
| next2 | $25.00 | $25.00 | 1/29/2010 4:32:45 PM |
| worthy-bid4 | $25.00 | $25.00 | 1/29/2010 4:32:51 PM |
| new-honorable-rate | $25.00 | $25.00 | 1/29/2010 4:33:59 PM |
| rosario1 | $25.00 | $25.00 | 1/29/2010 4:32:58 PM |
| saschar | $25.00 | $25.00 | 1/29/2010 4:34:04 PM |
| gristle | $25.00 | $25.00 | 1/29/2010 4:34:15 PM |
| social-conductor4 | $25.00 | $25.00 | 1/29/2010 4:33:19 PM |
| Philkent | $50.00 | $50.00 | 1/29/2010 4:33:27 PM |
| dunox | $25.00 | $25.00 | 1/29/2010 4:34:33 PM |
| mikeandcat | $26.93 | $26.93 | 1/29/2010 4:34:35 PM |
| ASR3 | $25.00 | $25.00 | 1/29/2010 4:33:47 PM |
| LenderByDay | $25.00 | $25.00 | 1/29/2010 4:35:07 PM |
| siege01 | $25.00 | $25.00 | 1/29/2010 4:34:08 PM |
| honorable-yield | $50.00 | $50.00 | 1/29/2010 4:34:13 PM |
| easylender | $25.00 | $25.00 | 1/29/2010 4:35:30 PM |
| kaykarun | $25.00 | $25.00 | 1/29/2010 4:35:35 PM |
| profit33r | $25.00 | $25.00 | 1/29/2010 4:35:42 PM |
| DrStaff | $60.00 | $60.00 | 1/29/2010 4:35:25 PM |
| RationalWorld | $25.00 | $25.00 | 1/29/2010 4:35:36 PM |
| DFly1 | $25.00 | $25.00 | 1/29/2010 4:35:41 PM |
| cognizant-rate732 | $50.00 | $50.00 | 1/29/2010 4:35:56 PM |
| AF-Chief | $35.00 | $35.00 | 1/29/2010 4:36:08 PM |
| first-fund-empenada | $25.00 | $25.00 | 1/29/2010 4:38:28 PM |
| macjp123 | $25.00 | $25.00 | 1/29/2010 4:39:03 PM |
| Kierf | $25.00 | $25.00 | 1/29/2010 4:37:33 PM |
| Hexamond | $25.00 | $25.00 | 1/29/2010 4:39:10 PM |
| head | $25.00 | $25.00 | 1/29/2010 4:39:34 PM |
| WillyBobba | $25.00 | $25.00 | 1/29/2010 4:38:16 PM |
| miked8303 | $25.00 | $25.00 | 1/29/2010 4:38:18 PM |
| currency-agave | $25.00 | $25.00 | 1/29/2010 4:40:08 PM |
| billyisafob | $25.00 | $25.00 | 1/29/2010 4:40:12 PM |
| Krozy | $25.00 | $25.00 | 1/29/2010 4:38:50 PM |
| Woodworker57 | $25.00 | $25.00 | 1/29/2010 4:40:15 PM |
| Montello | $25.00 | $25.00 | 1/29/2010 4:40:18 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 1/29/2010 4:40:29 PM |
| TennSquire | $25.00 | $25.00 | 1/29/2010 4:39:05 PM |
| SterlingTech | $25.00 | $25.00 | 1/29/2010 4:39:22 PM |
| the-aggresive-principal | $25.00 | $25.00 | 1/29/2010 4:39:32 PM |
| money2k | $25.00 | $25.00 | 1/29/2010 4:39:39 PM |
| chekat | $25.00 | $25.00 | 1/29/2010 4:41:01 PM |
| egw | $25.00 | $25.00 | 1/29/2010 4:39:45 PM |
| loanfairy | $25.00 | $25.00 | 1/29/2010 4:41:32 PM |
| durability-halibut | $25.00 | $25.00 | 1/29/2010 4:41:58 PM |
| zrohmm | $25.00 | $25.00 | 1/29/2010 4:41:00 PM |
| commerce-voyager | $25.00 | $25.00 | 1/29/2010 4:42:36 PM |
| BumblingStunmbling | $25.00 | $25.00 | 1/29/2010 4:42:07 PM |
| topher515 | $25.00 | $25.00 | 1/29/2010 4:42:16 PM |
| credit-solstice | $25.00 | $25.00 | 1/29/2010 4:42:26 PM |
| enigmallc | $25.00 | $25.00 | 1/29/2010 4:27:05 PM |
| platinum-platoon | $25.00 | $25.00 | 1/29/2010 4:42:40 PM |
| noble-revenue | $40.85 | $40.85 | 1/29/2010 4:27:32 PM |
| Divr555 | $26.07 | $26.07 | 1/29/2010 4:28:34 PM |
| vkm2000 | $25.00 | $25.00 | 1/29/2010 4:29:18 PM |
| derec | $25.00 | $25.00 | 1/29/2010 4:32:18 PM |
| araherna | $25.00 | $25.00 | 1/29/2010 4:32:24 PM |
| CarlC | $25.00 | $25.00 | 1/29/2010 4:32:38 PM |
| andlifegoeson | $25.00 | $25.00 | 1/29/2010 4:32:43 PM |
| gracej | $25.00 | $25.00 | 1/29/2010 4:32:49 PM |
| rsb906 | $25.00 | $25.00 | 1/29/2010 4:33:10 PM |
| bigdogsafety1 | $25.00 | $25.00 | 1/29/2010 4:33:49 PM |
| Havana21 | $25.00 | $25.00 | 1/29/2010 4:33:56 PM |
| MyKidsDad | $25.00 | $25.00 | 1/29/2010 4:34:00 PM |
| LongTail | $25.00 | $25.00 | 1/29/2010 4:34:03 PM |
| tornandfrayed | $25.00 | $25.00 | 1/29/2010 4:34:12 PM |
| hanuman77 | $50.00 | $50.00 | 1/29/2010 4:34:23 PM |
| divemaster | $25.00 | $25.00 | 1/29/2010 4:34:46 PM |
| youqianderen | $50.00 | $50.00 | 1/29/2010 4:35:27 PM |
| desertoasis | $25.00 | $25.00 | 1/29/2010 4:35:48 PM |
| lean-velocity | $25.00 | $25.00 | 1/29/2010 4:36:17 PM |
| smurf163 | $25.00 | $25.00 | 1/29/2010 4:37:38 PM |
| aldeed | $25.00 | $25.00 | 1/29/2010 4:37:51 PM |
| arcangel72 | $25.00 | $25.00 | 1/29/2010 4:38:44 PM |
| cvfriend | $25.00 | $25.00 | 1/29/2010 4:39:07 PM |
| nourishing-interest0 | $25.00 | $25.00 | 1/29/2010 4:39:28 PM |
| supreme-bonus0 | $25.00 | $25.00 | 1/29/2010 4:40:35 PM |
| Oupa-George | $25.00 | $25.00 | 1/29/2010 4:40:54 PM |
| mpatrick | $50.00 | $50.00 | 1/29/2010 4:41:17 PM |
| LiquidLender | $25.00 | $25.00 | 1/29/2010 4:41:52 PM |
| credit-force5 | $25.00 | $25.00 | 1/29/2010 4:42:02 PM |
| momentous-velocity | $25.00 | $25.00 | 1/29/2010 4:42:09 PM |
| life-is-great | $25.00 | $25.00 | 1/29/2010 4:42:15 PM |
| bold-bright-currency | $25.00 | $25.00 | 1/29/2010 4:42:21 PM |
| blooming-market | $25.00 | $25.00 | 1/29/2010 4:42:23 PM |
| harperpotok | $100.00 | $100.00 | 1/29/2010 4:43:00 PM |
| psbruce | $25.47 | $25.47 | 1/29/2010 9:09:32 PM |
| the-bright-velocity | $25.00 | $25.00 | 1/30/2010 6:42:08 AM |
| mooselover | $50.00 | $50.00 | 1/30/2010 9:38:00 AM |
| MoneyForNothing | $25.00 | $25.00 | 1/29/2010 8:31:40 PM |
| theloanfiller | $100.00 | $100.00 | 1/30/2010 6:39:20 PM |
| isfahanian | $45.00 | $45.00 | 1/30/2010 5:22:52 PM |
| vine99 | $65.00 | $65.00 | 2/1/2010 8:41:41 AM |
| smog13 | $25.00 | $25.00 | 2/1/2010 11:08:35 AM |
| microfunder | $25.00 | $25.00 | 2/1/2010 11:54:38 AM |
| Dollars4Rent | $25.00 | $25.00 | 2/2/2010 7:51:10 AM |
| springpanda | $25.00 | $25.00 | 2/2/2010 2:50:53 PM |
| dbanwart | $25.00 | $25.00 | 2/3/2010 12:19:48 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/3/2010 6:20:40 PM |
| TJ-Financial-Group | $25.00 | $25.00 | 2/4/2010 11:41:39 AM |
| Gaelicman | $25.00 | $25.00 | 2/4/2010 11:43:25 AM |
| improvman | $25.00 | $25.00 | 2/4/2010 11:24:50 AM |
| favorite-commerce | $25.00 | $25.00 | 2/4/2010 11:40:29 AM |
| ScottFinance | $25.00 | $25.00 | 2/4/2010 12:26:57 PM |
| wise-balanced-moola | $25.00 | $25.00 | 2/4/2010 2:48:17 PM |
| barflyer | $25.00 | $25.00 | 2/4/2010 2:33:48 PM |
| semi0tical | $34.90 | $34.90 | 2/4/2010 5:38:52 PM |
| Patrician | $46.59 | $46.59 | 2/4/2010 5:39:56 PM |
| emunah6 | $25.00 | $25.00 | 2/4/2010 5:52:37 PM |
| top-revenue-viking | $25.00 | $25.00 | 2/4/2010 6:11:34 PM |
| acn | $50.00 | $50.00 | 2/4/2010 8:05:36 PM |
| Charmart | $25.00 | $25.00 | 2/5/2010 2:55:45 AM |
| Spkthewrd3 | $25.00 | $25.00 | 2/5/2010 5:47:22 AM |
| OregonDane | $25.00 | $25.00 | 2/5/2010 8:00:34 AM |
| kingston1 | $25.00 | $25.00 | 2/5/2010 9:16:58 AM |
| hollister06001 | $50.00 | $50.00 | 2/5/2010 9:27:02 AM |
| wild-orange | $25.00 | $25.00 | 2/5/2010 9:52:25 AM |
| slyders87 | $25.00 | $25.00 | 2/5/2010 11:17:26 AM |
| natural-greenback6 | $25.00 | $25.00 | 2/5/2010 10:11:03 AM |
| AM2008 | $25.00 | $25.00 | 2/5/2010 11:25:24 AM |
| bear01 | $30.00 | $30.00 | 2/5/2010 11:48:12 AM |
| McChan | $100.00 | $100.00 | 2/5/2010 12:15:17 PM |
| rce1964 | $25.00 | $25.00 | 2/5/2010 12:02:08 PM |
| blindtaxidriver | $25.00 | $25.00 | 2/5/2010 12:16:37 PM |
| Chewbaca | $25.00 | $25.00 | 2/5/2010 12:16:16 PM |
| reBuild-America | $25.00 | $25.00 | 2/5/2010 2:45:46 PM |
| Leshan | $100.00 | $100.00 | 2/5/2010 3:04:21 PM |
| 1SteelerFan | $25.00 | $25.00 | 2/5/2010 1:24:43 PM |
| bluefinch | $25.00 | $25.00 | 2/5/2010 2:15:50 PM |
| gustavholstopus32 | $25.00 | $25.00 | 2/5/2010 2:01:17 PM |
| johnpmid | $25.00 | $25.00 | 2/5/2010 2:13:42 PM |
| ore-dojo | $25.00 | $25.00 | 2/5/2010 4:17:50 PM |
| gilbrear | $25.00 | $25.00 | 2/5/2010 4:11:16 PM |
| kalex752 | $25.21 | $25.21 | 1/29/2010 4:27:38 PM |
| wampum-proton | $25.00 | $25.00 | 1/29/2010 4:27:00 PM |
| grampy48 | $25.00 | $25.00 | 1/29/2010 4:27:48 PM |
| Red4Golf | $25.00 | $25.00 | 1/29/2010 4:27:54 PM |
| herbyman | $25.00 | $25.00 | 1/29/2010 4:28:33 PM |
| Cbgator | $25.00 | $25.00 | 1/29/2010 4:28:38 PM |
| IP | $50.00 | $50.00 | 1/29/2010 4:29:17 PM |
| trade-trumpet | $25.00 | $25.00 | 1/29/2010 4:28:55 PM |
| concerto5 | $25.00 | $25.00 | 1/29/2010 4:29:32 PM |
| vengy | $25.00 | $25.00 | 1/29/2010 4:30:42 PM |
| Frenchynh | $25.00 | $25.00 | 1/29/2010 4:31:17 PM |
| cardan97 | $25.00 | $25.00 | 1/29/2010 4:32:31 PM |
| JanLal | $25.00 | $25.00 | 1/29/2010 4:33:02 PM |
| coin-awakening | $26.50 | $26.50 | 1/29/2010 4:33:13 PM |
| Au-Ag-Pt | $25.00 | $25.00 | 1/29/2010 4:32:21 PM |
| MarinLoans | $50.00 | $50.00 | 1/29/2010 4:33:34 PM |
| cu2maro | $25.00 | $25.00 | 1/29/2010 4:33:40 PM |
| manyhappydogs | $50.00 | $50.00 | 1/29/2010 4:34:06 PM |
| BrianRK | $25.54 | $25.54 | 1/29/2010 4:34:20 PM |
| irrelevant | $25.00 | $25.00 | 1/29/2010 4:34:26 PM |
| Cutts | $25.00 | $25.00 | 1/29/2010 4:34:01 PM |
| glalat | $25.00 | $25.00 | 1/29/2010 4:34:09 PM |
| movistar | $25.00 | $25.00 | 1/29/2010 4:34:20 PM |
| cingular | $25.00 | $25.00 | 1/29/2010 4:35:34 PM |
| mooch_1993 | $25.00 | $25.00 | 1/29/2010 4:34:47 PM |
| mrfixerupper | $25.00 | $25.00 | 1/29/2010 4:35:44 PM |
| WolRab | $25.00 | $25.00 | 1/29/2010 4:35:28 PM |
| chicco | $80.00 | $80.00 | 1/29/2010 4:35:33 PM |
| kenji4861 | $25.00 | $25.00 | 1/29/2010 4:36:13 PM |
| Aquani | $50.00 | $50.00 | 1/29/2010 4:37:46 PM |
| LandE2BG | $25.00 | $25.00 | 1/29/2010 4:38:58 PM |
| sweepeet | $25.00 | $25.00 | 1/29/2010 4:39:25 PM |
| region123 | $50.00 | $50.00 | 1/29/2010 4:37:57 PM |
| capital_gains | $25.00 | $25.00 | 1/29/2010 4:40:05 PM |
| intently | $25.00 | $25.00 | 1/29/2010 4:38:53 PM |
| livingaloha | $25.00 | $25.00 | 1/29/2010 4:40:41 PM |
| treasure-bliss | $100.00 | $100.00 | 1/29/2010 4:39:41 PM |
| Jdogg98 | $25.00 | $25.00 | 1/29/2010 4:40:22 PM |
| principal-kung-fu | $25.00 | $25.00 | 1/29/2010 4:41:34 PM |
| srilm | $25.00 | $25.00 | 1/29/2010 4:41:56 PM |
| Interloper | $25.00 | $25.00 | 1/29/2010 4:40:57 PM |
| friendly-worth3 | $25.00 | $25.00 | 1/29/2010 4:42:34 PM |
| THREE-POINTS-LENDING | $25.00 | $25.00 | 1/29/2010 4:42:04 PM |
| flexible-value | $25.00 | $25.00 | 1/29/2010 4:26:45 PM |
| mpactlender | $25.00 | $25.00 | 1/29/2010 4:42:31 PM |
| jgar_O | $25.00 | $25.00 | 1/29/2010 4:28:00 PM |
| auction-turbine4 | $25.00 | $25.00 | 1/29/2010 4:43:09 PM |
| oodkim84oo | $26.43 | $26.43 | 1/29/2010 4:28:39 PM |
| sentry256 | $25.00 | $25.00 | 1/29/2010 4:29:22 PM |
| WorldlyWorker | $25.00 | $25.00 | 1/29/2010 4:29:38 PM |
| wdworld | $100.00 | $100.00 | 1/29/2010 4:30:11 PM |
| NJournalist | $25.00 | $25.00 | 1/29/2010 4:30:17 PM |
| paba_shaba | $25.00 | $25.00 | 1/29/2010 4:32:27 PM |
| GlobalVisionary | $25.00 | $25.00 | 1/29/2010 4:32:34 PM |
| ChicagoBoyz | $25.00 | $25.00 | 1/29/2010 4:33:16 PM |
| MARSTUN | $28.81 | $28.81 | 1/29/2010 4:33:20 PM |
| vb3jmg | $25.00 | $25.00 | 1/29/2010 4:33:53 PM |
| bailey1223 | $25.00 | $25.00 | 1/29/2010 4:34:02 PM |
| BerkeleyBonds | $25.00 | $25.00 | 1/29/2010 4:34:05 PM |
| checkuto | $25.00 | $25.00 | 1/29/2010 4:34:11 PM |
| bbrelo | $25.00 | $25.00 | 1/29/2010 4:34:17 PM |
| 02bob | $25.00 | $25.00 | 1/29/2010 4:34:27 PM |
| DonaldColorado | $25.00 | $25.00 | 1/29/2010 4:34:41 PM |
| carlover | $25.00 | $25.00 | 1/29/2010 4:35:03 PM |
| xphile | $25.00 | $25.00 | 1/29/2010 4:35:31 PM |
| ualf | $44.31 | $44.31 | 1/29/2010 4:35:46 PM |
| investment-comet | $25.00 | $25.00 | 1/29/2010 4:37:50 PM |
| gciarami | $25.00 | $25.00 | 1/29/2010 4:39:13 PM |
| thoughtful-community7 | $25.00 | $25.00 | 1/29/2010 4:39:16 PM |
| firsttouch1 | $200.00 | $200.00 | 1/29/2010 4:39:30 PM |
| bigphish | $25.00 | $25.00 | 1/29/2010 4:39:50 PM |
| KgBsUcKa | $25.00 | $25.00 | 1/29/2010 4:39:58 PM |
| ijspence | $25.00 | $25.00 | 1/29/2010 4:40:25 PM |
| wampum-reaction2 | $25.00 | $25.00 | 1/29/2010 4:40:38 PM |
| forthright-dedication | $50.00 | $50.00 | 1/29/2010 4:40:51 PM |
| Veloce | $25.00 | $25.00 | 1/29/2010 4:41:02 PM |
| orgy63 | $25.00 | $25.00 | 1/29/2010 4:41:09 PM |
| progressive-asset | $100.00 | $100.00 | 1/29/2010 4:42:00 PM |
| steamboatgal | $25.00 | $25.00 | 1/29/2010 4:42:11 PM |
| Kulchar | $36.50 | $36.50 | 1/29/2010 4:42:19 PM |
| niskyfranchise | $25.00 | $25.00 | 1/29/2010 4:42:28 PM |
| Fortuno_per_commodo | $25.00 | $25.00 | 1/29/2010 4:42:42 PM |
| Aeroman32 | $25.00 | $25.00 | 1/29/2010 4:42:58 PM |
| Lilred7879 | $50.00 | $43.68 | 1/29/2010 4:43:15 PM |
| best-generosity-financier | $25.00 | $25.00 | 1/29/2010 7:50:05 PM |
| fishhauler | $25.00 | $25.00 | 1/29/2010 11:01:58 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 1/30/2010 12:38:16 AM |
| exchange-cub | $50.00 | $50.00 | 1/30/2010 9:05:39 AM |
| dinero-rumbler | $25.00 | $25.00 | 1/30/2010 12:28:51 PM |
| Buffer10 | $50.00 | $50.00 | 1/30/2010 5:50:49 PM |
| shrewd-peace7 | $25.00 | $25.00 | 1/31/2010 9:08:48 PM |
| JohnSmith10 | $50.00 | $50.00 | 1/31/2010 11:33:27 AM |
| Planecourage | $25.00 | $25.00 | 2/1/2010 5:12:36 AM |
| pjnala1 | $50.00 | $50.00 | 2/1/2010 7:28:13 AM |
| interstellar | $50.00 | $50.00 | 2/1/2010 11:26:29 AM |
| FOFagent1 | $125.00 | $125.00 | 2/1/2010 2:47:29 PM |
| Daubertoo | $50.00 | $50.00 | 2/1/2010 3:44:01 PM |
| billnsc | $25.00 | $25.00 | 2/1/2010 3:58:27 PM |
| jchurchi | $55.92 | $55.92 | 2/1/2010 8:09:33 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/1/2010 8:22:33 PM |
| missmeg | $25.00 | $25.00 | 2/1/2010 5:52:56 PM |
| Statman01 | $25.00 | $25.00 | 2/2/2010 8:43:24 PM |
| Astyanax | $40.00 | $40.00 | 2/3/2010 5:23:02 PM |
| Midnightdewy | $49.47 | $49.47 | 2/3/2010 8:18:38 PM |
| RandyL3 | $45.28 | $45.28 | 2/3/2010 5:08:05 PM |
| BankofPaul | $50.00 | $50.00 | 2/4/2010 5:48:25 AM |
| moneytolend72 | $50.00 | $50.00 | 2/4/2010 7:08:49 AM |
| MGS | $25.00 | $25.00 | 2/4/2010 12:21:02 PM |
| Richmp412 | $25.00 | $25.00 | 2/4/2010 12:44:31 PM |
| Aberdeen | $300.00 | $300.00 | 2/4/2010 1:49:25 PM |
| BrighterSuns | $25.00 | $25.00 | 2/4/2010 2:29:25 PM |
| wwwUniversal | $25.00 | $25.00 | 2/4/2010 2:41:55 PM |
| TheSpottedFlamingo | $25.00 | $25.00 | 2/4/2010 3:59:58 PM |
| biffmush | $250.00 | $250.00 | 2/4/2010 4:22:56 PM |
| platinum-platoon | $50.00 | $50.00 | 2/4/2010 4:53:30 PM |
| Loan-trust25 | $50.00 | $50.00 | 2/4/2010 5:08:24 PM |
| ganon | $53.41 | $53.41 | 2/4/2010 5:17:12 PM |
| mrgeof | $75.00 | $75.00 | 2/4/2010 7:10:36 PM |
| ritwik | $50.00 | $50.00 | 2/4/2010 6:18:24 PM |
| kleinbrak | $25.00 | $25.00 | 2/4/2010 7:09:42 PM |
| Busekrc | $25.50 | $25.50 | 2/5/2010 1:22:38 AM |
| hellasow | $25.00 | $25.00 | 2/5/2010 1:54:31 AM |
| RadarLuv | $25.00 | $25.00 | 2/5/2010 3:09:16 AM |
| jybank | $25.00 | $25.00 | 2/4/2010 11:27:38 PM |
| Snoopylover | $25.00 | $25.00 | 2/5/2010 6:06:58 AM |
| drtxmac | $25.00 | $25.00 | 2/5/2010 10:57:27 AM |
| gothampark | $25.00 | $25.00 | 2/5/2010 12:03:36 PM |
| kf88 | $25.00 | $25.00 | 2/5/2010 1:06:47 PM |
| postalemployed | $63.03 | $63.03 | 2/5/2010 12:09:49 PM |
| wonderous-power | $27.00 | $27.00 | 2/5/2010 1:15:48 PM |
| CaliforniaRepublic | $25.00 | $25.00 | 2/5/2010 12:24:56 PM |
| velocity-winner | $25.00 | $25.00 | 2/5/2010 2:18:16 PM |
| steady-peace8 | $150.00 | $150.00 | 2/5/2010 2:34:10 PM |
| friendinmoney | $100.00 | $100.00 | 2/5/2010 3:36:41 PM |
| rockymtbob | $25.00 | $25.00 | 2/5/2010 3:46:33 PM |
| ghinga | $25.00 | $25.00 | 2/5/2010 4:20:46 PM |
| Engineer44 | $25.00 | $25.00 | 2/5/2010 4:23:11 PM |
| 284 bids
|
Borrower Payment Dependent Notes Series
444640
This series of Notes was issued and sold upon the funding of the borrower loan #40851, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% |
Auction start date:
| Jan-28-2010 |
| |
Auction end date:
| Feb-04-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 33.50% |
Final borrower rate/APR:
| 34.50% / 36.95% |
Final monthly payment:
| $224.77 |
| |
|
Auction yield range:
| 17.06% - 34.00% |
Estimated loss impact:
| 26.98% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.52% | | |
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:
| Nov-2002 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 1
/
1 | Length of status: | 2y 5m |
|
Credit score:
| 640-659 (Jan-2010) |
Total credit lines:
| 8 |
Occupation: | Pilot - Private/Com... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $181 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 16 | | | | |
|
Screen name:
| david12900 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
CashCall! 98% interest ..HELP!:)
Purpose of loan:
This loan will be used to to pay off my current debt to CashCall!!:) At the time I did not know realize that I made such a big mistake getting this 5000 dollar loan out. It was used to help me get ahead in my career. In fact, to pay for my type rating! But, in the end I feel that my whole paycheck is going toward this Loan and I will be able to never pay it off! After two years of paying for it, I still owe 5000 dollars and I cant make double payments! Please help me pay off this loan and in turn I will pay you at a lower interest rate! Thank you so much!
My financial situation:
I am a good candidate for this loan because I have never been late on a payment for this loan! I will pay you on time every month and I will pay the min. plus more! I will not let you down! I have a steady job working as an airline pilot. I have been with the company for a little over two years and I have a high senority!
Monthly net income: $
2500
Monthly expenses: $
??Housing: $
345
??Insurance: $
45
??Car expenses: $
50
??Utilities: $
30
??Phone, cable, internet: $
30
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
100
??Other expenses: $
cash call loan of course of 250!
Thank you for taking the time to help me out! My fiance is having a baby and anything could help us out at this time! Once again, Thank you!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Would you describe the terms of your cash call loan. Please include the term of the loan and the interest and fees. A simple totaling is fine. Thanks JJ - quickstep
A:
Hey JJ!
My loan is 5000 dollars for 7 years @ 59%. After paying for 7 years @ 254 a month I would pay a total of 21,336. There are no extra fees, just a really high interest rate. After paying 254 a month for the last few years. the loan is still 5000. I have never been late on a payment, but unless I pay it all at once they will not let me pre-pay.
Thank you so much for helping me out! If you have any other questions, please don't hesitate to ask!
Thanks,
Dave
(Jan-30-2010)
Q:
Would you address the 1 listed current dq and the dq's that are listed in the past 7 years. thanks jj - quickstep
A:
Hey!
The $181 dq, I wasn't aware it was on my credit until I pulled my credit for Pros.. I wrote into the CB and reported it as false. It is bummer that it is on there,but I hope lenders can see past that.
In the past 7 years I had many dq's. When I put myself through flight school I had a tough time paying rent, bills,etc. Once I got an airline position, I was able to start paying more bills. Each year it has gotten easier. In the airline industry I receive a raise every year. (union)
Thanks
(Jan-31-2010)
Q:
Thanks for being open about your past delinquincies. I hate payday lenders with a white-hot passion, and have placed a bid on your listing. Best of luck to you! - tigercat
A:
Thank you so much! I really appreciate everyone's support. Funding my loan has saved me financially!
Thank you!
Dave
(Feb-01-2010)
Q:
Fellow lenders. I've had extensive contact with David. I firmly believe, as witnessed by my bidding, that this is a much more solid loan than a HR/2. While there is risk in all things, I believe this is a solid loan. Happy bidding, JJ - quickstep
A:
Thank you so much JJ! That was very kind of you.
If anyone has any questions for me please don't hesitate to ask! Gotta go fly to Canada! Anyone up for french fries and gravy?? eh??
Thanks,
Dave
(Feb-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| unk1911 | $25.00 | $25.00 | 1/29/2010 4:22:52 PM |
| reflective-rupee | $50.00 | $50.00 | 2/1/2010 8:24:40 AM |
| econgineer | $28.43 | $28.43 | 2/1/2010 3:58:05 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/1/2010 4:16:34 PM |
| DementiaAddict | $50.00 | $50.00 | 2/1/2010 5:29:51 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/1/2010 5:34:17 PM |
| gold-cluster | $100.00 | $100.00 | 2/1/2010 6:18:50 PM |
| Ronnieboy888 | $25.00 | $25.00 | 2/1/2010 8:27:00 PM |
| Tono | $25.00 | $25.00 | 2/1/2010 9:15:13 PM |
| ThisGuyIKnow | $100.00 | $100.00 | 2/1/2010 6:30:22 PM |
| piter-to-la-investment | $25.00 | $25.00 | 2/2/2010 12:43:17 PM |
| income-rocker2 | $230.44 | $230.44 | 2/2/2010 2:53:47 PM |
| loss-of-control | $25.00 | $25.00 | 2/2/2010 6:07:27 PM |
| conqueror048 | $25.00 | $25.00 | 2/2/2010 7:46:06 PM |
| buvaet | $25.00 | $25.00 | 2/3/2010 8:04:53 AM |
| honorable-yield | $25.00 | $25.00 | 2/3/2010 9:36:33 AM |
| chroman | $75.00 | $75.00 | 2/3/2010 4:14:23 AM |
| Bait989 | $25.00 | $25.00 | 2/3/2010 12:56:31 PM |
| cybercop45 | $25.00 | $25.00 | 2/3/2010 4:39:19 PM |
| skillful-asset5 | $125.00 | $125.00 | 2/3/2010 6:34:02 PM |
| dudebrah | $25.00 | $25.00 | 2/3/2010 8:01:09 PM |
| 1traveler | $25.00 | $25.00 | 2/3/2010 9:22:07 PM |
| PeterPsych | $330.00 | $330.00 | 2/3/2010 5:41:46 PM |
| Your_Bank | $25.00 | $25.00 | 2/3/2010 7:00:03 PM |
| excheesehead | $78.75 | $78.75 | 2/4/2010 6:39:26 AM |
| PotBellyPete | $90.00 | $90.00 | 2/4/2010 8:26:45 AM |
| Vans1975 | $55.00 | $55.00 | 2/4/2010 8:56:12 AM |
| ore-dojo | $100.00 | $100.00 | 2/4/2010 10:15:40 AM |
| ScooberG | $30.72 | $30.72 | 2/4/2010 11:58:54 AM |
| Ray3486 | $25.00 | $25.00 | 2/4/2010 2:26:23 PM |
| BrighterSuns | $25.00 | $25.00 | 2/4/2010 2:26:47 PM |
| point-enforcer | $25.00 | $25.00 | 2/4/2010 3:18:53 PM |
| world10000 | $350.00 | $350.00 | 2/4/2010 3:49:54 PM |
| squarebob | $25.00 | $25.00 | 2/4/2010 3:52:08 PM |
| DasMula | $50.00 | $50.00 | 2/4/2010 4:06:59 PM |
| Rip128 | $100.00 | $100.00 | 2/4/2010 3:25:36 PM |
| Bill88 | $40.00 | $40.00 | 2/4/2010 4:12:02 PM |
| Engineer44 | $25.00 | $25.00 | 2/4/2010 4:16:00 PM |
| reflective-rupee | $50.00 | $50.00 | 2/1/2010 8:23:54 AM |
| tigercat | $50.00 | $50.00 | 2/1/2010 9:28:00 AM |
| DenimCapital | $50.00 | $50.00 | 2/1/2010 6:54:15 AM |
| vine99 | $45.00 | $45.00 | 2/1/2010 8:14:55 AM |
| reflective-rupee | $50.00 | $50.00 | 2/1/2010 8:24:09 AM |
| reflective-rupee | $50.00 | $50.00 | 2/1/2010 8:24:25 AM |
| gold-cluster | $100.00 | $100.00 | 2/1/2010 7:15:05 PM |
| CashFlow13 | $500.00 | $299.05 | 2/1/2010 7:29:08 PM |
| GoTalkSports | $25.00 | $25.00 | 2/1/2010 10:21:38 PM |
| GeoLender | $25.00 | $25.00 | 2/2/2010 2:07:43 PM |
| MrPie | $25.00 | $25.00 | 2/2/2010 9:09:36 AM |
| gold-cluster | $100.00 | $100.00 | 2/2/2010 2:43:09 PM |
| Peterman | $25.00 | $25.00 | 2/2/2010 3:39:19 PM |
| eman48 | $44.91 | $44.91 | 2/2/2010 9:04:05 PM |
| thomas16882004 | $25.00 | $25.00 | 2/2/2010 10:06:31 PM |
| next-time | $25.00 | $25.00 | 2/3/2010 8:48:48 AM |
| epic-payout | $59.18 | $59.18 | 2/3/2010 11:14:01 AM |
| bold-dynamic-silver | $25.00 | $25.00 | 2/2/2010 9:23:59 PM |
| cunning-bill | $25.00 | $25.00 | 2/3/2010 11:26:30 AM |
| bizguy1982 | $25.00 | $25.00 | 2/3/2010 1:07:13 PM |
| FJerry | $25.00 | $25.00 | 2/3/2010 4:16:26 PM |
| l2fp | $31.78 | $31.78 | 2/3/2010 4:54:27 PM |
| Astyanax | $50.00 | $50.00 | 2/3/2010 5:20:16 PM |
| grvdgr01 | $35.00 | $35.00 | 2/3/2010 7:20:12 PM |
| mistrmark | $50.00 | $50.00 | 2/3/2010 8:13:46 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/3/2010 8:41:29 PM |
| Feyenoord | $25.00 | $25.00 | 2/4/2010 2:11:07 AM |
| winger66 | $30.43 | $30.43 | 2/4/2010 3:47:36 AM |
| back-scratchers | $25.00 | $25.00 | 2/4/2010 2:51:24 AM |
| gold-cluster | $100.00 | $100.00 | 2/4/2010 6:52:20 AM |
| The-CAPS-fan | $50.00 | $50.00 | 2/4/2010 7:03:57 AM |
| SamuelChee | $50.00 | $50.00 | 2/4/2010 7:27:18 AM |
| Leshan | $50.00 | $50.00 | 2/4/2010 8:20:58 AM |
| CREinvestor | $52.76 | $52.76 | 2/4/2010 9:50:40 AM |
| unrivaled-justice | $50.00 | $50.00 | 2/4/2010 10:03:57 AM |
| JauaFlash | $25.78 | $25.78 | 2/4/2010 11:32:54 AM |
| sunnygee | $36.00 | $36.00 | 2/4/2010 12:00:29 PM |
| Rancid | $25.00 | $25.00 | 2/4/2010 1:06:38 PM |
| BONSAY | $30.00 | $30.00 | 2/4/2010 2:10:00 PM |
| jbloans | $25.00 | $25.00 | 2/4/2010 3:48:19 PM |
| squarebob | $25.00 | $25.00 | 2/4/2010 3:50:59 PM |
| Rip128 | $25.00 | $25.00 | 2/4/2010 4:07:19 PM |
| kilpat | $71.77 | $71.77 | 2/4/2010 3:36:51 PM |
| ultimate-peace | $480.00 | $480.00 | 2/4/2010 4:11:32 PM |
| 82 bids
|
Borrower Payment Dependent Notes Series
444962
This series of Notes was issued and sold upon the funding of the borrower loan #40868, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction start date:
| Feb-01-2010 |
| |
Auction end date:
| Feb-08-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 17.06% - 34.00% |
Estimated loss impact:
| 21.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
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:
| Mar-2005 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 5m |
|
Credit score:
| 600-619 (Jan-2010) |
Total credit lines:
| 16 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,238 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| WhiteRoses |
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:
| 19 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,800.00 | < mo. late:
| 0
( 0% )
| 600-619
(Dec-2009)
520-539
(Jun-2008)
|
|
Principal balance:
| $1,579.79 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
PERFECT PAYMENT HISTORY-2ND PROSPER
Purpose of loan:
This loan will be used to?consolidate my credit card debt.?Getting this loan will not only improve my credit score but help me manage my finances?as well as consolidate?all of my credit card bills into one monthly payment. I am expecting an income tax refund of $3,128 which will also contribute to paying down my?credit cards. Getting this loan will also increase my cash flow by approximately $250. Although I chose a starting rate of 34%, I am hoping that the rate will be bid down.
My financial situation:
I am a good candidate for this loan because I have never been late on any credit card or loan payments. I have been employed for four years and five months.?My salary is $42,500
I also own a web boutique.?Contact me for the URL if interested.?Please note that?the majority of credit card?debt was incurred to purchase inventory for my store which?generates between $300 and $500 a month including sales and advertising revenue.?
Monthly net income: $ 3039
Monthly expenses: $?1583
??Housing: $ 300
??Insurance: $ 158
??Transportation: $ 89
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 601
??Business expenses: $ 40
Thank you for taking the time to view my listing.
Kind Regards
JS
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) |
|
| FinDoc | $25.00 | $25.00 | 2/1/2010 5:01:43 PM |
| JustMee | $25.00 | $25.00 | 2/1/2010 5:23:56 PM |
| DasMula | $100.00 | $100.00 | 2/1/2010 8:43:50 PM |
| reflective-rupee | $50.00 | $50.00 | 2/2/2010 10:37:43 AM |
| Skeptical-one | $50.00 | $50.00 | 2/2/2010 10:45:50 AM |
| reflective-rupee | $50.00 | $50.00 | 2/2/2010 10:38:12 AM |
| nilonc1 | $250.00 | $250.00 | 2/2/2010 11:27:32 AM |
| Capit0l | $25.00 | $25.00 | 2/2/2010 5:31:19 AM |
| Firescreek | $50.00 | $50.00 | 2/2/2010 1:46:31 PM |
| reflective-rupee | $100.00 | $100.00 | 2/2/2010 10:30:22 AM |
| Peterman | $25.00 | $25.00 | 2/2/2010 4:08:33 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/2/2010 5:48:47 PM |
| fairness-atmosphere | $30.00 | $30.00 | 2/3/2010 11:33:38 AM |
| Iceman1347 | $25.00 | $25.00 | 2/3/2010 4:41:05 PM |
| buffalobills | $25.00 | $25.00 | 2/4/2010 8:02:35 AM |
| gold-cluster | $100.00 | $100.00 | 2/4/2010 5:25:08 PM |
| lucrative-loan | $100.00 | $100.00 | 2/4/2010 5:34:05 PM |
| currency-bumblebee | $25.00 | $25.00 | 2/4/2010 6:26:36 PM |
| found | $100.00 | $100.00 | 2/5/2010 7:06:46 AM |
| selector568 | $50.00 | $50.00 | 2/5/2010 4:54:54 AM |
| dcm6276 | $25.00 | $25.00 | 2/5/2010 6:35:53 AM |
| well-mannered-income3 | $40.00 | $40.00 | 2/5/2010 11:20:32 AM |
| best-generosity-financier | $25.00 | $25.00 | 2/5/2010 4:16:05 PM |
| thomas16882004 | $25.00 | $25.00 | 2/5/2010 4:56:57 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/5/2010 6:10:29 PM |
| eronyc | $25.00 | $25.00 | 2/6/2010 8:59:39 AM |
| sweet-payout5 | $25.00 | $25.00 | 2/6/2010 8:33:22 AM |
| well-mannered-income3 | $40.00 | $40.00 | 2/6/2010 12:01:01 PM |
| Tono | $50.00 | $50.00 | 2/6/2010 3:16:55 PM |
| nodebt2012 | $58.00 | $58.00 | 2/6/2010 1:37:14 PM |
| loss-of-control | $25.00 | $25.00 | 2/6/2010 1:39:19 PM |
| gardenofeden | $25.00 | $25.00 | 2/7/2010 1:41:17 PM |
| donlenboy | $49.88 | $49.88 | 2/6/2010 9:56:43 PM |
| vennp | $30.00 | $30.00 | 2/7/2010 2:59:08 PM |
| friendly-loot9 | $40.00 | $40.00 | 2/7/2010 5:51:18 PM |
| realtormoises | $25.00 | $25.00 | 2/7/2010 8:37:44 PM |
| five-star-note | $100.00 | $100.00 | 2/7/2010 10:45:09 PM |
| twjh | $25.00 | $25.00 | 2/7/2010 6:32:58 PM |
| The-CAPS-fan | $35.00 | $35.00 | 2/8/2010 5:59:00 AM |
| umfan123 | $25.00 | $25.00 | 2/8/2010 6:47:49 AM |
| the-profit-oracle | $25.00 | $25.00 | 2/7/2010 7:57:23 PM |
| martymaniaman | $50.00 | $50.00 | 2/8/2010 8:28:02 AM |
| brother_tam | $100.00 | $100.00 | 2/7/2010 9:22:29 PM |
| FarmersBank | $25.00 | $25.00 | 2/8/2010 6:23:05 AM |
| sunnygee | $43.68 | $43.68 | 2/8/2010 6:32:57 AM |
| roguewinner | $40.35 | $40.35 | 2/8/2010 7:43:38 AM |
| 113121 | $25.00 | $25.00 | 2/8/2010 7:10:25 AM |
| credit-missile | $50.00 | $50.00 | 2/8/2010 8:28:52 AM |
| privatebankerva | $25.00 | $25.00 | 2/8/2010 8:45:47 AM |
| unk1911 | $25.00 | $25.00 | 2/1/2010 5:00:59 PM |
| cunning-bill | $25.00 | $25.00 | 2/2/2010 10:31:11 AM |
| Skeptical-one | $50.00 | $50.00 | 2/2/2010 10:46:06 AM |
| SeaSkyGuy71 | $25.00 | $25.00 | 2/2/2010 11:05:28 AM |
| new-careful-cash | $25.54 | $25.54 | 2/2/2010 10:24:10 AM |
| reflective-rupee | $50.00 | $50.00 | 2/2/2010 10:38:00 AM |
| GeoLender | $25.00 | $25.00 | 2/2/2010 3:57:43 PM |
| rubylender | $25.00 | $25.00 | 2/4/2010 4:00:59 PM |
| reflective-rupee | $50.00 | $50.00 | 2/4/2010 4:50:50 PM |
| well-mannered-income3 | $30.00 | $30.00 | 2/4/2010 8:05:45 PM |
| Bob450 | $50.00 | $50.00 | 2/4/2010 8:36:49 PM |
| Kash2010lu | $35.00 | $35.00 | 2/4/2010 8:25:05 PM |
| zone6 | $200.00 | $200.00 | 2/5/2010 4:40:59 AM |
| WMY-Investor | $100.00 | $100.00 | 2/5/2010 9:03:18 AM |
| fairness-atmosphere | $25.00 | $25.00 | 2/5/2010 12:06:59 PM |
| squarebob | $25.00 | $25.00 | 2/5/2010 12:15:34 PM |
| reflective-rupee | $50.00 | $50.00 | 2/5/2010 2:38:06 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/5/2010 4:30:17 PM |
| Hummer-Guy | $25.00 | $25.00 | 2/5/2010 6:43:37 PM |
| usd1027 | $25.00 | $25.00 | 2/5/2010 7:27:16 PM |
| Skeptical-one | $50.00 | $50.00 | 2/5/2010 7:44:43 PM |
| Rachy0325 | $25.00 | $25.00 | 2/5/2010 7:13:11 PM |
| dslobbs | $75.00 | $75.00 | 2/6/2010 7:36:44 AM |
| EEasyMoney | $25.00 | $25.00 | 2/6/2010 8:06:51 AM |
| righteousone | $100.00 | $100.00 | 2/6/2010 9:06:59 AM |
| investment-forte | $50.00 | $22.34 | 2/6/2010 9:47:01 AM |
| lucrative-durability | $25.00 | $25.00 | 2/5/2010 10:16:42 PM |
| dslobbs | $75.00 | $75.00 | 2/6/2010 7:35:51 AM |
| chameleon125 | $25.00 | $25.00 | 2/6/2010 7:56:53 AM |
| Kqwik | $25.00 | $25.00 | 2/6/2010 1:55:12 PM |
| DasMula | $50.00 | $50.00 | 2/6/2010 9:49:57 AM |
| piter-to-la-investment | $40.00 | $40.00 | 2/6/2010 12:52:04 PM |
| gold-cluster | $100.00 | $100.00 | 2/7/2010 8:50:59 AM |
| lender12345 | $25.00 | $25.00 | 2/6/2010 9:35:50 PM |
| Leshan | $59.17 | $59.17 | 2/7/2010 7:51:25 AM |
| sturdy-peace9 | $50.00 | $50.00 | 2/7/2010 2:50:18 PM |
| dorypro | $25.00 | $25.00 | 2/7/2010 2:59:31 PM |
| five-star-note | $75.00 | $75.00 | 2/7/2010 10:04:28 AM |
| PatriotKnight | $50.00 | $50.00 | 2/7/2010 7:26:48 PM |
| icecoldcash | $25.00 | $25.00 | 2/7/2010 8:17:36 PM |
| credit-missile | $150.00 | $150.00 | 2/7/2010 6:08:14 PM |
| gold-cluster | $100.00 | $100.00 | 2/7/2010 5:20:39 PM |
| Mark-M | $50.00 | $50.00 | 2/8/2010 7:01:53 AM |
| superb-kindness2 | $25.00 | $25.00 | 2/8/2010 7:26:14 AM |
| VikingLender | $25.00 | $25.00 | 2/7/2010 7:52:24 PM |
| 1traveler | $25.00 | $25.00 | 2/7/2010 9:46:23 PM |
| LoanerPrincipal | $50.00 | $50.00 | 2/7/2010 9:57:04 PM |
| SterlingTech | $26.04 | $26.04 | 2/8/2010 6:32:19 AM |
| PeePaw | $25.00 | $25.00 | 2/8/2010 7:52:06 AM |
| credit-coach118 | $30.00 | $30.00 | 2/8/2010 8:27:05 AM |
| charming-point | $300.00 | $300.00 | 2/8/2010 8:34:13 AM |
| dough-rocket | $25.00 | $25.00 | 2/8/2010 9:09:35 AM |
| 101 bids
|
Borrower Payment Dependent Notes Series
445274
This series of Notes was issued and sold upon the funding of the borrower loan #40871, 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-03-2010 |
| |
Auction end date:
| Feb-08-2010 |
|
|
Starting lender yield:
| 8.40% |
Starting borrower rate/APR:
| 9.40% / 11.50% |
Starting monthly payment:
| $159.93 |
|
Final lender yield:
| 7.35% |
Final borrower rate/APR:
| 8.35% / 10.44% |
Final monthly payment:
| $157.49 |
| |
|
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:
| Sep-1991 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 19
/
15 | Length of status: | 2y 8m |
|
Credit score:
| 760-779 (Feb-2010) |
Total credit lines:
| 52 |
Occupation: | Professor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $38,940 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| capital-upholder1 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of Credit Cards
Purpose of loan:
This loan will be used to pay off some credit card bills.
My financial situation:
I am a good candidate for this loan because I am a full time law professor, and have excellent credit scores, and will likely pay off the loan early.
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) |
|
| kenji4861 | $25.00 | $25.00 | 2/3/2010 4:03:40 PM |
| DonaldColorado | $25.00 | $25.00 | 2/3/2010 4:03:53 PM |
| lloyd_s | $25.00 | $25.00 | 2/3/2010 4:13:16 PM |
| personal-lender | $25.00 | $25.00 | 2/3/2010 4:13:23 PM |
| AF-Chief | $28.00 | $28.00 | 2/3/2010 4:14:10 PM |
| penny-zeus | $25.00 | $25.00 | 2/3/2010 4:14:35 PM |
| meenan | $25.00 | $25.00 | 2/3/2010 4:13:13 PM |
| falcon245sp | $25.00 | $25.00 | 2/3/2010 4:15:12 PM |
| bchen78875 | $50.00 | $50.00 | 2/3/2010 4:22:36 PM |
| supreme-hope | $25.00 | $25.00 | 2/3/2010 4:23:27 PM |
| LandE2BG | $25.00 | $25.00 | 2/3/2010 4:23:49 PM |
| BigMoney56 | $25.00 | $25.00 | 2/3/2010 4:24:14 PM |
| AmericanCredit | $25.00 | $25.00 | 2/3/2010 4:24:31 PM |
| dealarella | $25.00 | $25.00 | 2/3/2010 4:23:02 PM |
| peerlender | $30.00 | $30.00 | 2/3/2010 4:23:06 PM |
| thedoctor | $90.00 | $90.00 | 2/3/2010 4:23:12 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/3/2010 4:23:26 PM |
| loan-master996 | $50.00 | $50.00 | 2/3/2010 4:23:31 PM |
| Havana21 | $25.00 | $25.00 | 2/3/2010 4:23:38 PM |
| orbital-gain | $50.00 | $50.00 | 2/3/2010 4:39:55 PM |
| zski | $25.00 | $25.00 | 2/3/2010 4:40:00 PM |
| inventive-wealth2 | $25.00 | $25.00 | 2/3/2010 4:42:37 PM |
| restech | $25.00 | $25.00 | 2/3/2010 4:39:57 PM |
| trade-trumpet | $25.00 | $25.00 | 2/3/2010 4:14:00 PM |
| active-market | $100.00 | $100.00 | 2/3/2010 4:43:36 PM |
| forthright-dedication | $25.00 | $25.00 | 2/3/2010 4:14:27 PM |
| gold-commander0 | $50.00 | $50.00 | 2/3/2010 4:14:30 PM |
| kchen486 | $25.00 | $25.00 | 2/3/2010 4:44:28 PM |
| balance-voyager | $100.00 | $100.00 | 2/3/2010 4:43:37 PM |
| SDNLR | $25.00 | $25.00 | 2/3/2010 4:46:11 PM |
| unequaled-loyalty7 | $25.00 | $25.00 | 2/3/2010 4:44:33 PM |
| wiselady | $25.00 | $25.00 | 2/3/2010 4:47:29 PM |
| determined-contract | $30.00 | $30.00 | 2/3/2010 4:47:37 PM |
| transaction-bandit | $25.00 | $25.00 | 2/3/2010 5:03:07 PM |
| laredotornado | $25.00 | $25.00 | 2/3/2010 4:48:08 PM |
| pleasant-basis | $25.00 | $25.00 | 2/3/2010 5:02:57 PM |
| JudyJFLA | $25.00 | $25.00 | 2/3/2010 5:03:06 PM |
| jbaum | $25.00 | $25.00 | 2/3/2010 7:08:12 PM |
| dollar-birdie | $30.00 | $30.00 | 2/3/2010 4:23:16 PM |
| movistar | $25.00 | $25.00 | 2/3/2010 7:16:16 PM |
| desertoasis | $25.00 | $25.00 | 2/3/2010 4:23:41 PM |
| heroic-platinum | $25.00 | $25.00 | 2/3/2010 7:33:59 PM |
| divine940 | $25.00 | $25.00 | 2/3/2010 5:36:37 PM |
| selector568 | $86.86 | $86.86 | 2/3/2010 4:24:59 PM |
| bold-ideal-benjamins | $25.00 | $25.00 | 2/3/2010 4:39:53 PM |
| sb0453 | $25.00 | $25.00 | 2/3/2010 9:20:33 PM |
| scoobiedoo | $25.00 | $25.00 | 2/3/2010 4:40:03 PM |
| Reinadog9 | $39.43 | $39.43 | 2/3/2010 4:40:08 PM |
| Digs | $25.00 | $25.00 | 2/3/2010 4:40:41 PM |
| Mr_Marcus | $50.00 | $50.00 | 2/3/2010 4:42:40 PM |
| CaptainBlueberry | $25.00 | $25.00 | 2/3/2010 4:43:34 PM |
| BankofBen | $34.13 | $34.13 | 2/3/2010 9:20:31 PM |
| market-socrates4 | $25.00 | $25.00 | 2/3/2010 4:45:04 PM |
| balance6 | $25.00 | $25.00 | 2/3/2010 4:47:20 PM |
| aldenrains | $25.00 | $25.00 | 2/3/2010 4:47:27 PM |
| wampum-optimization | $50.00 | $50.00 | 2/3/2010 4:47:33 PM |
| first-pragmatic-note | $25.00 | $25.00 | 2/3/2010 4:47:47 PM |
| kanakakm | $50.00 | $50.00 | 2/3/2010 4:47:49 PM |
| exchange-cub | $25.00 | $25.00 | 2/3/2010 4:48:15 PM |
| Solomonsk5 | $25.00 | $25.00 | 2/3/2010 5:02:58 PM |
| samo102us | $25.00 | $25.00 | 2/3/2010 5:03:08 PM |
| REVSTJ999 | $25.00 | $25.00 | 2/3/2010 9:20:41 PM |
| BayShell | $26.95 | $26.95 | 2/4/2010 1:11:24 AM |
| cash4less | $25.00 | $25.00 | 2/4/2010 7:30:56 AM |
| goldeneye777 | $37.92 | $37.92 | 2/4/2010 9:35:01 AM |
| unrivaled-justice | $25.00 | $25.00 | 2/4/2010 9:59:22 AM |
| Speculator | $49.40 | $49.40 | 2/4/2010 10:12:19 AM |
| order-boomerang | $25.00 | $25.00 | 2/4/2010 10:14:02 AM |
| value-caravan | $25.00 | $25.00 | 2/4/2010 10:42:55 AM |
| worthy-bid4 | $50.00 | $50.00 | 2/4/2010 10:42:51 AM |
| CAGE-Investments | $100.00 | $100.00 | 2/4/2010 10:27:55 AM |
| Crusader88 | $25.00 | $25.00 | 2/4/2010 10:42:56 AM |
| 1SteelerFan | $25.00 | $25.00 | 2/5/2010 1:46:14 PM |
| Cherrypicker | $50.00 | $50.00 | 2/5/2010 9:41:11 PM |
| JerryB96 | $25.00 | $25.00 | 2/5/2010 10:23:21 PM |
| LindaRicci | $25.00 | $25.00 | 2/7/2010 5:47:14 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/3/2010 4:13:43 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 |
| blissful-note7 | $25.00 | $25.00 | 2/3/2010 4:15:00 PM |
| mlopez2007 | $50.00 | $50.00 | 2/3/2010 4:13:50 PM |
| blooming-market | $25.00 | $25.00 | 2/3/2010 4:14:08 PM |
| br4444 | $25.00 | $25.00 | 2/3/2010 4:14:15 PM |
| skuba | $50.00 | $50.00 | 2/3/2010 4:02:04 PM |
| lean-velocity | $25.00 | $25.00 | 2/3/2010 4:03:46 PM |
| market-builder | $25.00 | $25.00 | 2/3/2010 4:22:44 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/3/2010 4:23:34 PM |
| delicious-social132 | $25.00 | $25.00 | 2/3/2010 4:22:47 PM |
| bowdish1 | $100.00 | $100.00 | 2/3/2010 4:22:52 PM |
| auction-elvis | $25.00 | $25.00 | 2/3/2010 4:23:29 PM |
| briphi | $25.00 | $25.00 | 2/3/2010 4:39:52 PM |
| justice-financier | $25.00 | $25.00 | 2/3/2010 4:39:58 PM |
| 30Sky | $75.00 | $75.00 | 2/3/2010 4:40:05 PM |
| commerce-voyager | $25.00 | $25.00 | 2/3/2010 4:12:39 PM |
| nbhz60a | $25.00 | $25.00 | 2/3/2010 4:40:51 PM |
| credit-force5 | $25.00 | $25.00 | 2/3/2010 4:13:24 PM |
| theprince | $25.00 | $25.00 | 2/3/2010 4:13:36 PM |
| roentgen | $25.00 | $25.00 | 2/3/2010 4:42:41 PM |
| ticklemaxx | $25.00 | $25.00 | 2/3/2010 4:39:54 PM |
| skvat | $25.00 | $25.00 | 2/3/2010 4:13:58 PM |
| moola-escalator | $50.00 | $50.00 | 2/3/2010 4:14:04 PM |
| Beachbum27 | $25.00 | $25.00 | 2/3/2010 4:40:58 PM |
| CardCapDude | $25.00 | $25.00 | 2/3/2010 4:14:57 PM |
| auction-turbine4 | $25.00 | $25.00 | 2/3/2010 4:45:08 PM |
| Dutchhunter | $50.00 | $50.00 | 2/3/2010 4:43:09 PM |
| verse99 | $25.00 | $25.00 | 2/3/2010 4:45:59 PM |
| elegant-income3 | $25.00 | $25.00 | 2/3/2010 4:44:35 PM |
| MM1207 | $25.00 | $25.00 | 2/3/2010 4:44:52 PM |
| schpere | $30.00 | $30.00 | 2/3/2010 4:47:40 PM |
| Pasagam | $25.00 | $25.00 | 2/3/2010 4:47:51 PM |
| friendly-market5 | $25.00 | $25.00 | 2/3/2010 4:47:56 PM |
| Tai | $25.00 | $25.00 | 2/3/2010 4:46:04 PM |
| MoneyBagsRUs | $25.00 | $25.00 | 2/3/2010 5:03:08 PM |
| bonus-adventure3 | $25.00 | $25.00 | 2/3/2010 5:04:34 PM |
| leodaguy | $25.00 | $25.00 | 2/3/2010 4:47:31 PM |
| AFairDeal | $25.00 | $25.00 | 2/3/2010 4:47:36 PM |
| PumpkinHead406 | $25.00 | $25.00 | 2/3/2010 5:03:03 PM |
| inspired-contract9 | $50.00 | $50.00 | 2/3/2010 4:22:39 PM |
| Cai8899 | $75.00 | $75.00 | 2/3/2010 4:22:42 PM |
| kmr2 | $100.00 | $100.00 | 2/3/2010 4:23:03 PM |
| commerce-web5 | $40.00 | $40.00 | 2/3/2010 4:23:13 PM |
| rolandweary | $30.00 | $30.00 | 2/3/2010 4:23:20 PM |
| junctionking | $25.00 | $25.00 | 2/3/2010 4:23:23 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/3/2010 4:23:43 PM |
| Mr_Money | $25.00 | $25.00 | 2/3/2010 4:39:56 PM |
| nestegg4e | $25.00 | $25.00 | 2/3/2010 4:40:50 PM |
| DrMoneyBags | $25.00 | $25.00 | 2/3/2010 4:43:55 PM |
| poeman | $25.00 | $25.00 | 2/3/2010 4:44:42 PM |
| wormdc | $25.00 | $25.00 | 2/3/2010 4:44:49 PM |
| Aeroman32 | $25.00 | $25.00 | 2/3/2010 4:44:58 PM |
| moola-rose8 | $25.00 | $25.00 | 2/3/2010 9:20:34 PM |
| Zach842 | $25.00 | $25.00 | 2/3/2010 4:45:23 PM |
| fireboss | $25.00 | $25.00 | 2/3/2010 4:45:25 PM |
| shadowflame_99 | $25.00 | $25.00 | 2/3/2010 4:46:29 PM |
| alpinaut | $25.00 | $25.00 | 2/3/2010 4:47:03 PM |
| exciting-responsibility3 | $25.00 | $25.00 | 2/3/2010 4:47:42 PM |
| toblerone | $50.00 | $50.00 | 2/3/2010 4:47:54 PM |
| Walkingcowboy | $25.00 | $25.00 | 2/3/2010 4:48:01 PM |
| Cheburashka | $30.00 | $30.00 | 2/3/2010 4:48:17 PM |
| LAKESPRING | $50.00 | $50.00 | 2/3/2010 5:02:56 PM |
| UnlimitedLoans | $25.00 | $25.00 | 2/3/2010 5:03:01 PM |
| 9boag | $25.00 | $25.00 | 2/3/2010 7:07:32 PM |
| canisian | $25.00 | $25.00 | 2/3/2010 9:20:33 PM |
| jscig | $25.00 | $25.00 | 2/4/2010 6:54:19 AM |
| responsibility-butterfly | $25.00 | $25.00 | 2/4/2010 7:20:37 AM |
| DeltaComputerGuy | $25.00 | $25.00 | 2/4/2010 9:35:05 AM |
| capital-lesson | $25.00 | $25.00 | 2/4/2010 10:12:11 AM |
| figs4u2 | $53.43 | $53.43 | 2/4/2010 10:13:58 AM |
| antlr | $25.00 | $25.00 | 2/4/2010 10:14:04 AM |
| BillW | $25.00 | $25.00 | 2/4/2010 10:12:16 AM |
| HawaiiBoy75 | $25.00 | $25.00 | 2/4/2010 10:42:53 AM |
| bigphish | $25.00 | $25.00 | 2/4/2010 10:42:54 AM |
| o0Sparrow0o | $25.00 | $25.00 | 2/4/2010 10:42:57 AM |
| Kerrysbay | $25.00 | $25.00 | 2/4/2010 10:41:36 AM |
| bigbucksfunding | $25.00 | $3.88 | 2/4/2010 10:42:58 AM |
| 155 bids
|
Borrower Payment Dependent Notes Series
445382
This series of Notes was issued and sold upon the funding of the borrower loan #40874, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Feb-04-2010 |
| |
Auction end date:
| Feb-11-2010 |
|
|
Starting lender yield:
| 14.76% |
Starting borrower rate/APR:
| 15.76% / 17.94% |
Starting monthly payment:
| $350.39 |
|
Final lender yield:
| 13.85% |
Final borrower rate/APR:
| 14.85% / 17.02% |
Final monthly payment:
| $345.92 |
| |
|
Auction yield range:
| 6.06% - 14.76% |
Estimated loss impact:
| 5.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.62% | | |
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:
| 41% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 6m |
|
Credit score:
| 740-759 (Feb-2010) |
Total credit lines:
| 20 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,183 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| serenity320 |
Borrower's state:
| Pennsylvania |
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
Escape the tyranny of credit cards
Purpose of loan:
I am requesting this loan in order to pay off my high interest credit cards. I incurred quite a bit of debt when I was unemployed back in 2006 and early 2007. I've paid off a good amount of the debt; however, the credit card companies are now currently raising their rates to astronomical levels. I do not want to pay their interest rates, but would rather borrow from you.
My financial situation:
I am a good candidate for this loan because I consistently pay all my bills on time. I am looking for this loan in order to avoid paying really high interest rates to the credit card companies. I have consistently held the same job for the past 2.5 years, and the company is currently growing, so I am in no danger of being laid off.
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 provide more information about your monthly income and expenses. Thank you. (Your salary is <$25k and your loan request if almost half that.) - income-ferret2
A:
My monthly income is approximately $3200 gross, $2500 net, and my fixed monthly expenses are approximately $1250.
(Feb-05-2010)
Q:
Please indicate the balances, interest rates and monthly payments for the debts that you would like to pay off with the proceeds from this proposed Prosper loan. Thanks much and best wishes. - reflective-rupee
A:
Hi!
~$3500/22.99%/~$230
~$7700/15.22%/~$350
(Feb-07-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| supreme-bonus0 | $25.00 | $25.00 | 2/4/2010 5:22:00 PM |
| aasx1108 | $25.00 | $25.00 | 2/4/2010 5:28:29 PM |
| next2 | $25.00 | $25.00 | 2/4/2010 6:36:27 PM |
| trade-trumpet | $25.00 | $25.00 | 2/4/2010 6:44:14 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/5/2010 5:12:04 AM |
| blissful-note7 | $25.00 | $25.00 | 2/5/2010 3:56:06 AM |
| flexible-value | $25.00 | $25.00 | 2/5/2010 8:25:14 AM |
| thryn | $25.00 | $25.00 | 2/5/2010 6:05:14 AM |
| faldska | $25.00 | $25.00 | 2/5/2010 9:52:12 AM |
| reflective-cash0 | $100.00 | $100.00 | 2/5/2010 10:51:09 AM |
| ghinga | $30.00 | $30.00 | 2/5/2010 11:06:36 AM |
| gracej | $25.00 | $25.00 | 2/5/2010 12:18:34 PM |
| nalaari | $25.00 | $25.00 | 2/5/2010 12:48:29 PM |
| cash-vault | $25.00 | $25.00 | 2/5/2010 1:34:26 PM |
| Sol_Invictus | $25.00 | $25.00 | 2/5/2010 3:04:42 PM |
| Cheburashka | $25.00 | $25.00 | 2/5/2010 4:27:39 PM |
| lilgates26 | $35.00 | $35.00 | 2/5/2010 4:49:53 PM |
| five-star-note | $35.00 | $35.00 | 2/5/2010 5:24:28 PM |
| mistertao | $25.00 | $25.00 | 2/5/2010 7:35:04 PM |
| CaliforniaRepublic | $25.00 | $25.00 | 2/5/2010 5:09:11 PM |
| diplomatic-point4 | $50.00 | $50.00 | 2/5/2010 7:52:04 PM |
| calm-deal7 | $25.00 | $25.00 | 2/5/2010 8:28:16 PM |
| financialsteward123 | $25.00 | $25.00 | 2/5/2010 8:35:29 PM |
| Strato | $25.00 | $25.00 | 2/5/2010 7:35:36 PM |
| Artist_Blue | $25.00 | $25.00 | 2/6/2010 9:11:41 AM |
| payout-point | $50.00 | $50.00 | 2/6/2010 8:12:07 AM |
| blooming-dedication | $50.00 | $50.00 | 2/6/2010 10:13:56 AM |
| harddollars | $25.00 | $25.00 | 2/6/2010 8:39:19 AM |
| sweet-social2 | $33.00 | $33.00 | 2/6/2010 2:34:47 PM |
| Hothornman | $40.00 | $40.00 | 2/6/2010 11:34:41 AM |
| cutter21 | $42.45 | $42.45 | 2/6/2010 3:05:51 PM |
| Malkial | $25.00 | $25.00 | 2/7/2010 12:14:46 AM |
| Onesiphorus | $25.00 | $25.00 | 2/7/2010 6:38:17 AM |
| PocketAces | $25.00 | $25.00 | 2/6/2010 11:40:54 PM |
| yield-lion | $25.00 | $25.00 | 2/7/2010 11:13:55 AM |
| squarebob | $25.00 | $25.00 | 2/7/2010 1:14:26 PM |
| glimmering-point | $25.00 | $25.00 | 2/8/2010 8:58:14 AM |
| LifeOfLearning | $25.00 | $25.00 | 2/8/2010 11:18:20 AM |
| tijuas90 | $25.00 | $25.00 | 2/8/2010 6:19:26 PM |
| don8ter | $25.00 | $25.00 | 2/8/2010 6:20:52 PM |
| KiwiElf | $25.00 | $25.00 | 2/8/2010 6:21:02 PM |
| zeelender | $25.00 | $25.00 | 2/8/2010 6:21:43 PM |
| outtahoth2o | $46.91 | $46.91 | 2/8/2010 6:22:11 PM |
| assetmanager | $25.00 | $25.00 | 2/8/2010 6:22:14 PM |
| Supernick | $25.00 | $25.00 | 2/8/2010 6:25:50 PM |
| dmitrk | $25.00 | $25.00 | 2/8/2010 6:19:11 PM |
| Little_Guy | $25.00 | $25.00 | 2/8/2010 6:26:23 PM |
| MakoF16 | $34.34 | $34.34 | 2/8/2010 6:26:38 PM |
| How | $25.00 | $25.00 | 2/8/2010 6:26:42 PM |
| Emberfox | $25.00 | $25.00 | 2/8/2010 6:19:50 PM |
| Frenchynh | $25.00 | $25.00 | 2/8/2010 6:26:53 PM |
| dansarkis | $25.00 | $25.00 | 2/8/2010 6:19:38 PM |
| markwms | $25.00 | $25.00 | 2/8/2010 6:22:05 PM |
| Marfloogan | $25.00 | $25.00 | 2/8/2010 6:22:08 PM |
| Tradesmanlender | $25.00 | $25.00 | 2/8/2010 6:22:13 PM |
| Hokiemon | $75.00 | $75.00 | 2/8/2010 6:25:27 PM |
| profit33r | $25.00 | $25.00 | 2/8/2010 6:26:56 PM |
| mrfixerupper | $25.00 | $25.00 | 2/8/2010 6:26:57 PM |
| unk1911 | $25.00 | $25.00 | 2/8/2010 6:28:12 PM |
| skibum65 | $25.16 | $25.16 | 2/8/2010 6:28:10 PM |
| taylor883 | $25.00 | $25.00 | 2/8/2010 6:34:56 PM |
| commerce-voyager | $25.00 | $25.00 | 2/8/2010 6:36:45 PM |
| the-aggresive-principal | $25.00 | $25.00 | 2/8/2010 6:31:54 PM |
| fireboss | $100.00 | $100.00 | 2/8/2010 6:32:27 PM |
| GlobalVisionary | $25.00 | $25.00 | 2/8/2010 6:32:58 PM |
| intently | $25.00 | $25.00 | 2/8/2010 6:38:34 PM |
| fund-virtuoso | $25.00 | $25.00 | 2/8/2010 6:35:00 PM |
| lending-bear | $50.00 | $50.00 | 2/8/2010 6:36:21 PM |
| kulender | $25.00 | $25.00 | 2/8/2010 6:37:05 PM |
| mikeandcat | $50.00 | $50.00 | 2/8/2010 6:36:54 PM |
| theprince | $25.00 | $25.00 | 2/8/2010 6:37:29 PM |
| smallfry | $25.00 | $25.00 | 2/8/2010 6:38:09 PM |
| macjp123 | $25.00 | $25.00 | 2/8/2010 6:38:56 PM |
| money2k | $25.00 | $25.00 | 2/8/2010 6:39:48 PM |
| TennSquire | $25.00 | $25.00 | 2/8/2010 6:39:10 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/8/2010 6:40:38 PM |
| progressive-asset | $100.00 | $39.20 | 2/8/2010 6:41:39 PM |
| harddollars | $50.00 | $50.00 | 2/9/2010 7:22:51 AM |
| GyJAV_BNCCo | $25.00 | $25.00 | 2/9/2010 7:15:09 AM |
| chilandman | $288.00 | $288.00 | 2/9/2010 12:54:19 PM |
| G-Love | $121.11 | $121.11 | 2/9/2010 6:29:01 PM |
| twerns | $40.00 | $40.00 | 2/9/2010 6:36:35 PM |
| d_grbg | $25.00 | $25.00 | 2/9/2010 8:30:59 PM |
| mafmafmaf | $40.00 | $40.00 | 2/10/2010 7:58:21 AM |
| Astyanax | $30.00 | $30.00 | 2/10/2010 2:29:47 PM |
| shellstar | $35.00 | $35.00 | 2/10/2010 10:52:32 AM |
| blLending | $25.00 | $25.00 | 2/10/2010 2:56:12 PM |
| agreement-bunny | $25.00 | $25.00 | 2/10/2010 5:40:48 PM |
| stemper | $50.00 | $50.00 | 2/10/2010 6:23:40 PM |
| orangefob7 | $30.00 | $30.00 | 2/10/2010 6:33:49 PM |
| Crystalprop | $25.00 | $25.00 | 2/10/2010 4:40:59 PM |
| bsmtloan | $75.00 | $75.00 | 2/10/2010 8:07:52 PM |
| cdfmedic | $25.00 | $25.00 | 2/10/2010 5:36:35 PM |
| bestloanrate | $25.00 | $25.00 | 2/11/2010 5:44:35 AM |
| fascinating-gold | $100.00 | $100.00 | 2/10/2010 6:50:57 PM |
| tooflets | $25.00 | $25.00 | 2/11/2010 1:47:40 AM |
| BUCS | $28.31 | $28.31 | 2/11/2010 1:50:54 AM |
| bxdoc | $225.00 | $225.00 | 2/11/2010 6:10:55 AM |
| porwestco | $25.00 | $25.00 | 2/11/2010 6:15:59 AM |
| cunning-compassion1 | $25.00 | $25.00 | 2/11/2010 9:58:33 AM |
| bluflame9940 | $25.00 | $25.00 | 2/11/2010 6:45:52 AM |
| charb57 | $100.00 | $100.00 | 2/11/2010 7:51:38 AM |
| Sonihal | $25.00 | $25.00 | 2/11/2010 11:30:42 AM |
| mustang9935 | $25.00 | $25.00 | 2/11/2010 11:36:49 AM |
| NeketanBank | $50.00 | $50.00 | 2/11/2010 10:28:34 AM |
| ore-dojo | $100.00 | $100.00 | 2/11/2010 9:41:05 AM |
| coin-spilunker | $25.82 | $25.82 | 2/11/2010 10:00:31 AM |
| plouie | $25.00 | $25.00 | 2/11/2010 11:33:46 AM |
| rockhound84 | $25.00 | $25.00 | 2/11/2010 2:52:35 PM |
| dasbuntenheim | $26.42 | $26.42 | 2/11/2010 3:01:09 PM |
| The-CAPS-fan | $30.00 | $30.00 | 2/11/2010 3:34:25 PM |
| meabandit | $26.04 | $26.04 | 2/11/2010 3:51:57 PM |
| scottr | $25.00 | $25.00 | 2/11/2010 3:23:41 PM |
| cunning-compassion1 | $25.00 | $25.00 | 2/11/2010 4:07:11 PM |
| superfunder | $50.00 | $50.00 | 2/11/2010 4:12:20 PM |
| Havana21 | $25.00 | $25.00 | 2/4/2010 5:32:05 PM |
| rock-turner | $50.00 | $50.00 | 2/4/2010 5:44:59 PM |
| Vegasjim | $25.00 | $25.00 | 2/4/2010 6:03:23 PM |
| GoldenTrout | $25.00 | $25.00 | 2/4/2010 6:35:27 PM |
| leftcoast52 | $25.00 | $25.00 | 2/4/2010 7:02:59 PM |
| Hexnut | $25.00 | $25.00 | 2/4/2010 7:34:22 PM |
| kingston1 | $25.00 | $25.00 | 2/4/2010 7:50:03 PM |
| blooming-market | $25.00 | $25.00 | 2/4/2010 8:45:51 PM |
| plentiful-reward | $50.00 | $50.00 | 2/4/2010 10:17:05 PM |
| BlindJoeDeath | $25.00 | $25.00 | 2/4/2010 10:31:37 PM |
| chairsitter | $25.00 | $25.00 | 2/4/2010 10:32:22 PM |
| head | $25.00 | $25.00 | 2/5/2010 2:21:33 AM |
| supreme-hope | $25.00 | $25.00 | 2/5/2010 5:27:24 AM |
| chipperjohnson | $25.00 | $25.00 | 2/5/2010 8:39:18 AM |
| panthernoelle | $25.00 | $25.00 | 2/5/2010 10:45:49 AM |
| technoo | $35.64 | $35.64 | 2/5/2010 10:10:18 AM |
| the-profit-oracle | $25.00 | $25.00 | 2/5/2010 11:33:57 AM |
| bigdogsafety1 | $25.00 | $25.00 | 2/5/2010 3:51:33 PM |
| Phantom99 | $25.00 | $25.00 | 2/5/2010 4:58:21 PM |
| BankofTony | $30.00 | $30.00 | 2/5/2010 4:40:19 PM |
| wanna-help | $30.00 | $30.00 | 2/5/2010 4:44:42 PM |
| Interloper | $25.00 | $25.00 | 2/5/2010 4:27:57 PM |
| nestegg4e | $25.00 | $25.00 | 2/5/2010 6:31:53 PM |
| Blue_HorseShoe | $25.00 | $25.00 | 2/6/2010 1:51:42 AM |
| inspired-contract9 | $25.00 | $25.00 | 2/6/2010 8:54:07 AM |
| PK_USMC | $25.00 | $25.00 | 2/6/2010 1:15:07 PM |
| auction-elvis | $25.00 | $25.00 | 2/6/2010 11:52:57 AM |
| djh47a | $25.00 | $25.00 | 2/7/2010 8:35:33 AM |
| Erogan5877 | $25.00 | $25.00 | 2/6/2010 8:33:35 PM |
| TeamAmerica | $25.00 | $25.00 | 2/7/2010 11:40:52 AM |
| OCedHrt | $25.00 | $25.00 | 2/7/2010 6:18:20 PM |
| twirl2 | $25.00 | $25.00 | 2/7/2010 9:35:14 AM |
| natural-greenback6 | $25.00 | $25.00 | 2/7/2010 8:13:22 PM |
| djc314 | $25.00 | $25.00 | 2/7/2010 1:11:54 PM |
| wampum-chorus3 | $25.00 | $25.00 | 2/7/2010 1:42:27 PM |
| tsui517 | $25.00 | $25.00 | 2/7/2010 5:42:25 PM |
| Ripsaw4U | $25.00 | $25.00 | 2/8/2010 1:08:51 AM |
| WindyKid | $25.00 | $25.00 | 2/8/2010 5:54:41 AM |
| lost-money-so-far-on-these | $25.00 | $25.00 | 2/7/2010 11:30:45 PM |
| Flying_Tilapia | $50.00 | $50.00 | 2/8/2010 12:58:46 AM |
| benefit-squirrel | $50.00 | $50.00 | 2/8/2010 2:20:44 AM |
| fishintime | $25.00 | $25.00 | 2/8/2010 5:17:35 AM |
| pbo922 | $25.00 | $25.00 | 2/8/2010 7:59:45 AM |
| radforj22 | $25.00 | $25.00 | 2/8/2010 10:17:28 AM |
| dollardave | $200.00 | $200.00 | 2/8/2010 11:34:31 AM |
| ndwayno | $25.84 | $25.84 | 2/8/2010 11:52:48 AM |
| latestone | $25.00 | $25.00 | 2/8/2010 6:19:16 PM |
| hayhelp | $25.00 | $25.00 | 2/8/2010 6:19:21 PM |
| compassion-paladin042 | $25.00 | $25.00 | 2/8/2010 6:20:50 PM |
| Red4Golf | $25.00 | $25.00 | 2/8/2010 6:22:23 PM |
| noble-revenue | $50.00 | $50.00 | 2/8/2010 6:22:30 PM |
| brewman | $55.00 | $55.00 | 2/8/2010 6:18:39 PM |
| ufmikey | $27.95 | $27.95 | 2/8/2010 6:19:00 PM |
| slyder61 | $25.00 | $25.00 | 2/8/2010 6:26:22 PM |
| bbrelo | $25.00 | $25.00 | 2/8/2010 6:26:55 PM |
| irrelevant | $25.00 | $25.00 | 2/8/2010 6:21:17 PM |
| monticello | $30.00 | $30.00 | 2/8/2010 6:20:14 PM |
| rmachi | $25.00 | $25.00 | 2/8/2010 6:21:40 PM |
| seattleslug | $25.00 | $25.00 | 2/8/2010 6:21:47 PM |
| smart-return | $25.00 | $25.00 | 2/8/2010 6:22:35 PM |
| utukxul | $25.00 | $25.00 | 2/8/2010 6:29:17 PM |
| Auburnmist | $25.00 | $25.00 | 2/8/2010 6:25:36 PM |
| whiteshadow | $25.00 | $25.00 | 2/8/2010 6:26:44 PM |
| cyberie21 | $25.71 | $25.71 | 2/8/2010 6:26:50 PM |
| gristle | $25.00 | $25.00 | 2/8/2010 6:26:54 PM |
| papaman | $25.00 | $25.00 | 2/8/2010 6:27:01 PM |
| Winkyboy | $25.00 | $25.00 | 2/8/2010 6:26:05 PM |
| lending_pugs | $25.00 | $25.00 | 2/8/2010 6:26:25 PM |
| egw | $25.00 | $25.00 | 2/8/2010 6:32:10 PM |
| Aquani | $50.00 | $50.00 | 2/8/2010 6:32:14 PM |
| saffron4 | $25.00 | $25.00 | 2/8/2010 6:27:37 PM |
| aldeed | $25.00 | $25.00 | 2/8/2010 6:28:42 PM |
| riproaringrapids | $25.00 | $25.00 | 2/8/2010 6:29:16 PM |
| peso-colonel | $90.00 | $90.00 | 2/8/2010 6:30:58 PM |
| skiberdad | $28.89 | $28.89 | 2/8/2010 6:36:26 PM |
| skuba | $25.00 | $25.00 | 2/8/2010 6:31:18 PM |
| nodrivelpls | $25.00 | $25.00 | 2/8/2010 6:38:04 PM |
| social-conductor4 | $25.00 | $25.00 | 2/8/2010 6:38:21 PM |
| LandE2BG | $25.00 | $25.00 | 2/8/2010 6:38:43 PM |
| divemaster | $25.00 | $25.00 | 2/8/2010 6:33:48 PM |
| Rick7925 | $25.00 | $25.00 | 2/8/2010 6:34:55 PM |
| orgy63 | $25.00 | $25.00 | 2/8/2010 6:40:59 PM |
| hrubinst | $25.00 | $25.00 | 2/8/2010 6:35:59 PM |
| mathprof | $25.00 | $25.00 | 2/8/2010 6:38:01 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/8/2010 6:37:39 PM |
| cvfriend | $25.00 | $25.00 | 2/8/2010 6:39:20 PM |
| nourishing-interest0 | $25.00 | $25.00 | 2/8/2010 6:39:46 PM |
| LiquidLender | $25.00 | $25.00 | 2/8/2010 6:41:13 PM |
| BuzzyBee336 | $25.00 | $25.00 | 2/8/2010 7:26:14 PM |
| justin323 | $25.00 | $25.00 | 2/9/2010 4:00:04 AM |
| privatebankerva | $25.00 | $25.00 | 2/9/2010 7:21:01 AM |
| pythia | $25.00 | $25.00 | 2/9/2010 9:54:57 AM |
| rockhound84 | $25.00 | $25.00 | 2/9/2010 11:56:22 AM |
| Your_Bank | $25.00 | $25.00 | 2/9/2010 2:30:46 PM |
| grammaspurse | $25.00 | $25.00 | 2/9/2010 12:32:17 PM |
| truth-silo | $34.97 | $34.97 | 2/9/2010 4:13:45 PM |
| vutah | $25.00 | $25.00 | 2/9/2010 7:41:49 PM |
| TravisMcGee | $25.00 | $25.00 | 2/9/2010 8:29:59 PM |
| jcquiroz | $50.11 | $50.11 | 2/9/2010 6:52:29 PM |
| Frugal | $25.00 | $25.00 | 2/10/2010 1:34:13 AM |
| Tingali | $26.77 | $26.77 | 2/10/2010 7:11:39 AM |
| coldfuzion | $41.64 | $41.64 | 2/9/2010 8:43:46 PM |
| StanTheMan | $25.00 | $25.00 | 2/9/2010 11:20:06 PM |
| GreenNotes | $36.00 | $36.00 | 2/10/2010 10:59:18 AM |
| InvestForWealth | $30.47 | $30.47 | 2/10/2010 7:09:24 AM |
| favorite-commerce | $25.00 | $25.00 | 2/10/2010 2:10:05 PM |
| trade-elm | $25.00 | $25.00 | 2/10/2010 11:03:11 AM |
| hebergee | $25.00 | $25.00 | 2/10/2010 12:15:33 PM |
| cougarltg | $96.00 | $96.00 | 2/10/2010 2:46:04 PM |
| broomfieldbucks | $25.00 | $25.00 | 2/10/2010 2:03:59 PM |
| asset-snowdome | $40.00 | $40.00 | 2/10/2010 3:02:55 PM |
| reward-dynamo | $25.00 | $25.00 | 2/10/2010 4:55:24 PM |
| income-ferret2 | $100.00 | $100.00 | 2/10/2010 5:46:46 PM |
| draggon77 | $25.00 | $25.00 | 2/10/2010 7:13:02 PM |
| gogrannygo | $25.00 | $25.00 | 2/10/2010 8:08:14 PM |
| gothampark | $25.00 | $25.00 | 2/10/2010 9:16:53 PM |
| KingCroesus | $25.00 | $25.00 | 2/11/2010 2:09:38 AM |
| grafton | $500.00 | $500.00 | 2/10/2010 5:55:24 PM |
| Spraydawg | $31.51 | $31.51 | 2/10/2010 8:09:13 PM |
| commerce-enlistment | $100.00 | $100.00 | 2/10/2010 6:06:52 PM |
| NorwayHillLender | $25.00 | $25.00 | 2/11/2010 6:24:27 AM |
| PotBellyPete | $50.00 | $50.00 | 2/11/2010 6:57:03 AM |
| PeterPsych | $200.00 | $200.00 | 2/11/2010 9:08:20 AM |
| crw1950 | $50.00 | $50.00 | 2/10/2010 9:00:01 PM |
| beaufuture | $25.00 | $25.00 | 2/11/2010 5:43:13 AM |
| Gaelicman | $200.00 | $200.00 | 2/11/2010 6:26:24 AM |
| wealth-pipeline | $25.00 | $25.00 | 2/11/2010 10:29:14 AM |
| steady-peace8 | $100.00 | $100.00 | 2/11/2010 11:49:02 AM |
| worthy-bid4 | $25.00 | $25.00 | 2/11/2010 9:08:14 AM |
| trumpeter5 | $100.00 | $100.00 | 2/11/2010 9:24:46 AM |
| CSAworker | $25.00 | $25.00 | 2/11/2010 10:19:02 AM |
| lendaton | $50.00 | $50.00 | 2/11/2010 12:02:55 PM |
| Magician | $25.00 | $25.00 | 2/11/2010 12:15:53 PM |
| loyalty-czar | $100.00 | $100.00 | 2/11/2010 2:37:28 PM |
| vineet | $25.96 | $25.96 | 2/11/2010 1:06:15 PM |
| integrity-doctor | $50.00 | $50.00 | 2/11/2010 2:23:58 PM |
| scientists | $25.00 | $25.00 | 2/11/2010 4:26:28 PM |
| BrighterSuns | $25.78 | $25.78 | 2/11/2010 4:36:57 PM |
| dasbuntenheim | $50.00 | $50.00 | 2/11/2010 4:38:41 PM |
| biffmush | $150.00 | $150.00 | 2/11/2010 4:50:54 PM |
| ore-dojo | $100.00 | $100.00 | 2/11/2010 4:45:54 PM |
| Engineer44 | $25.00 | $25.00 | 2/11/2010 4:51:17 PM |
| 257 bids
|
Borrower Payment Dependent Notes Series
445398
This series of Notes was issued and sold upon the funding of the borrower loan #40865, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Feb-04-2010 |
| |
Auction end date:
| Feb-11-2010 |
|
|
Starting lender yield:
| 8.50% |
Starting borrower rate/APR:
| 9.50% / 9.84% |
Starting monthly payment:
| $320.33 |
|
Final lender yield:
| 8.00% |
Final borrower rate/APR:
| 9.00% / 9.34% |
Final monthly payment:
| $318.00 |
| |
|
Auction yield range:
| 3.06% - 8.50% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.50% | | |
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:
| Aug-1999 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 1y 7m |
|
Credit score:
| 800-819 (Jan-2010) |
Total credit lines:
| 14 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $86 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| family_car_loan |
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
800+ credit score needs $ for car
Purpose of loan:
To pay off my auto lease on my Honda Accord.??
My financial situation:
I am a good candidate for this loan because I have a stable job with a company that has experience significant growth over the past 2 years.? I haven't missed any payments in my live.? I have an excellent credit score above 800.
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) |
|
| adhawan325 | $25.00 | $25.00 | 2/4/2010 5:08:11 PM |
| systematic0 | $25.00 | $25.00 | 2/4/2010 5:09:51 PM |
| lloyd_s | $25.00 | $25.00 | 2/4/2010 5:25:17 PM |
| theprince | $25.00 | $25.00 | 2/4/2010 5:25:41 PM |
| br4444 | $25.00 | $25.00 | 2/4/2010 5:26:25 PM |
| moola-escalator | $50.00 | $50.00 | 2/4/2010 5:26:11 PM |
| cash-sensai2 | $25.00 | $25.00 | 2/4/2010 5:25:02 PM |
| mlopez2007 | $50.00 | $50.00 | 2/4/2010 5:25:56 PM |
| blooming-market | $25.00 | $25.00 | 2/4/2010 5:26:16 PM |
| penny-zeus | $25.00 | $25.00 | 2/4/2010 5:26:36 PM |
| bchen78875 | $50.00 | $50.00 | 2/4/2010 5:32:26 PM |
| Cai8899 | $75.00 | $75.00 | 2/4/2010 5:32:32 PM |
| bowdish1 | $100.00 | $100.00 | 2/4/2010 5:32:46 PM |
| delicious-social132 | $25.00 | $25.00 | 2/4/2010 5:32:43 PM |
| junctionking | $25.00 | $25.00 | 2/4/2010 5:33:16 PM |
| loan-master996 | $50.00 | $50.00 | 2/4/2010 5:33:32 PM |
| LandE2BG | $25.00 | $25.00 | 2/4/2010 5:33:55 PM |
| AmericanCredit | $25.00 | $25.00 | 2/4/2010 5:34:11 PM |
| forthright-dedication | $25.00 | $25.00 | 2/4/2010 5:36:35 PM |
| dollar-birdie | $30.00 | $30.00 | 2/4/2010 5:33:08 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/4/2010 5:33:48 PM |
| ok | $25.00 | $25.00 | 2/4/2010 5:34:12 PM |
| buckyhead2000 | $25.00 | $25.00 | 2/4/2010 5:38:35 PM |
| Supernick | $50.00 | $50.00 | 2/4/2010 8:34:14 PM |
| blot44 | $25.00 | $25.00 | 2/4/2010 10:58:35 PM |
| CAGE-Investments | $100.00 | $100.00 | 2/5/2010 7:38:41 AM |
| stable-money | $25.00 | $25.00 | 2/5/2010 9:34:52 AM |
| SOP_Bank | $25.00 | $25.00 | 2/5/2010 8:07:58 AM |
| IceFisherman | $71.79 | $71.79 | 2/5/2010 9:36:52 AM |
| nestegg4e | $25.00 | $25.00 | 2/5/2010 9:01:42 AM |
| safe-balance093 | $25.00 | $25.00 | 2/5/2010 9:35:32 AM |
| SDNLR | $25.00 | $25.00 | 2/5/2010 9:41:41 AM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/5/2010 11:35:02 AM |
| buffalobills | $25.00 | $25.00 | 2/5/2010 10:44:13 AM |
| kindness-percolator5 | $25.00 | $25.00 | 2/5/2010 12:05:27 PM |
| galtsgulch | $25.00 | $25.00 | 2/5/2010 11:07:02 AM |
| GElender | $50.00 | $50.00 | 2/5/2010 1:24:06 PM |
| Walkingcowboy | $25.00 | $25.00 | 2/5/2010 3:45:05 PM |
| worth-victor6 | $25.00 | $25.00 | 2/5/2010 4:18:43 PM |
| kulender | $30.00 | $30.00 | 2/5/2010 4:31:59 PM |
| exchange-cub | $25.00 | $25.00 | 2/5/2010 4:29:55 PM |
| loner001 | $25.00 | $25.00 | 2/5/2010 8:34:16 PM |
| Zipperdu | $50.00 | $50.00 | 2/6/2010 3:56:32 PM |
| fervent-repayment | $25.00 | $25.00 | 2/6/2010 4:18:49 PM |
| inventive-wealth2 | $25.00 | $25.00 | 2/6/2010 2:48:21 PM |
| CASHGIRL | $25.00 | $25.00 | 2/6/2010 4:13:59 PM |
| blukestrel | $25.00 | $25.00 | 2/7/2010 11:50:58 AM |
| julijask | $27.53 | $27.53 | 2/6/2010 7:43:50 PM |
| curveylady | $25.00 | $25.00 | 2/7/2010 3:16:38 PM |
| ccsjmy | $35.00 | $35.00 | 2/7/2010 4:44:15 PM |
| enthusiastic-treasure | $50.00 | $50.00 | 2/7/2010 3:15:00 PM |
| tsui517 | $25.00 | $25.00 | 2/7/2010 5:50:01 PM |
| worldly-kindness8 | $25.00 | $25.00 | 2/7/2010 7:29:55 PM |
| hard-working-loot | $25.00 | $25.00 | 2/7/2010 9:14:10 PM |
| Dollars4Rent | $25.00 | $25.00 | 2/8/2010 8:42:47 AM |
| zenchef | $25.00 | $25.00 | 2/8/2010 10:42:33 AM |
| dollardave | $200.00 | $200.00 | 2/8/2010 11:37:45 AM |
| 420limo | $25.00 | $25.00 | 2/8/2010 12:11:56 PM |
| oblio66 | $50.00 | $50.00 | 2/8/2010 1:11:03 PM |
| honorable-yield | $75.00 | $75.00 | 2/8/2010 1:27:33 PM |
| anton | $250.00 | $250.00 | 2/8/2010 1:39:50 PM |
| skillful-finance | $25.00 | $25.00 | 2/8/2010 1:44:10 PM |
| orange-finance-banker | $25.00 | $25.00 | 2/8/2010 6:45:36 PM |
| pinballeffect | $42.12 | $42.12 | 2/8/2010 7:39:25 PM |
| enriching-payout | $25.00 | $25.00 | 2/8/2010 7:54:03 PM |
| REITRUST | $25.00 | $25.00 | 2/9/2010 6:36:49 AM |
| ronin4sale | $25.00 | $25.00 | 2/9/2010 7:50:41 AM |
| NutmegFilms | $25.00 | $25.00 | 2/9/2010 9:51:50 AM |
| rjsdsu | $25.00 | $25.00 | 2/9/2010 11:04:49 AM |
| octoberfresh | $25.00 | $25.00 | 2/9/2010 12:14:22 PM |
| bcsmith | $25.00 | $25.00 | 2/9/2010 4:13:25 PM |
| ultimatepaintball | $25.00 | $25.00 | 2/9/2010 4:27:20 PM |
| Anamorph | $25.00 | $25.00 | 2/9/2010 4:58:56 PM |
| WillingToHelpOut | $25.00 | $25.00 | 2/9/2010 5:34:27 PM |
| wwwUniversal | $25.00 | $25.00 | 2/9/2010 5:24:57 PM |
| goldsun | $25.00 | $25.00 | 2/9/2010 6:31:09 PM |
| twerns | $40.00 | $40.00 | 2/9/2010 6:39:40 PM |
| JerryB96 | $25.00 | $25.00 | 2/9/2010 7:42:52 PM |
| ualdriver | $26.59 | $26.59 | 2/9/2010 7:16:03 PM |
| gustavholstopus32 | $25.00 | $25.00 | 2/9/2010 9:07:42 PM |
| gsp1885 | $25.23 | $25.23 | 2/9/2010 8:59:35 PM |
| bouvierchamp | $25.20 | $25.20 | 2/10/2010 10:31:10 AM |
| webfeet | $100.00 | $100.00 | 2/10/2010 8:17:24 AM |
| Firescreek | $25.00 | $25.00 | 2/10/2010 12:09:55 PM |
| docdekay | $40.00 | $40.00 | 2/10/2010 9:09:33 AM |
| himanshuko | $35.00 | $35.00 | 2/10/2010 10:01:08 AM |
| the-profit-oracle | $25.00 | $25.00 | 2/10/2010 12:29:58 PM |
| Astyanax | $40.00 | $40.00 | 2/10/2010 2:30:32 PM |
| RISK-VERSUS-RETURN | $25.00 | $25.00 | 2/10/2010 11:10:30 AM |
| simiray | $30.00 | $30.00 | 2/10/2010 10:53:56 AM |
| estancias | $25.00 | $25.00 | 2/10/2010 3:45:17 PM |
| CaliforniaRepublic | $25.00 | $25.00 | 2/10/2010 1:30:37 PM |
| SanJoser | $25.00 | $25.00 | 2/10/2010 1:40:50 PM |
| ams294 | $75.00 | $75.00 | 2/10/2010 3:16:12 PM |
| flshdaskll | $25.00 | $25.00 | 2/10/2010 2:36:22 PM |
| PeterPsych | $100.00 | $100.00 | 2/10/2010 3:48:04 PM |
| nimcha | $50.00 | $50.00 | 2/10/2010 3:52:38 PM |
| uarewhatuthink | $50.00 | $50.00 | 2/10/2010 4:23:36 PM |
| jybank | $25.00 | $25.00 | 2/10/2010 6:24:39 PM |
| maplehouse | $25.00 | $25.00 | 2/10/2010 8:54:21 PM |
| crw1950 | $50.00 | $50.00 | 2/10/2010 9:01:10 PM |
| orange-pound-party | $29.09 | $29.09 | 2/10/2010 7:17:58 PM |
| elevated-finance | $25.00 | $25.00 | 2/10/2010 7:38:12 PM |
| stemper | $50.00 | $50.00 | 2/10/2010 6:24:24 PM |
| godspeed237 | $25.00 | $25.00 | 2/11/2010 9:38:02 AM |
| Jiangtao | $25.00 | $25.00 | 2/11/2010 12:41:23 AM |
| PotBellyPete | $75.00 | $75.00 | 2/11/2010 6:57:36 AM |
| Moby | $26.50 | $26.50 | 2/11/2010 11:57:28 AM |
| rate-hickory | $25.00 | $25.00 | 2/11/2010 8:09:42 AM |
| lendaton | $25.00 | $25.00 | 2/11/2010 12:11:55 PM |
| mathgod | $25.00 | $25.00 | 2/11/2010 12:15:20 PM |
| John_14_6 | $25.00 | $25.00 | 2/11/2010 12:16:22 PM |
| porter22 | $75.00 | $75.00 | 2/11/2010 12:37:15 PM |
| greenventures | $25.00 | $25.00 | 2/11/2010 2:03:51 PM |
| Saving4Food | $25.00 | $25.00 | 2/11/2010 1:20:08 PM |
| PCGeekWI | $25.00 | $25.00 | 2/11/2010 1:37:25 PM |
| stock106 | $200.00 | $187.90 | 2/11/2010 1:55:41 PM |
| friendinmoney | $25.00 | $25.00 | 2/11/2010 3:13:33 PM |
| matthewrburk | $106.88 | $106.88 | 2/11/2010 4:21:59 PM |
| unrhrsd | $25.00 | $25.00 | 2/11/2010 4:04:48 PM |
| surfsider123 | $49.00 | $49.00 | 2/11/2010 4:46:54 PM |
| DonaldColorado | $25.00 | $25.00 | 2/4/2010 5:12:36 PM |
| kenji4861 | $25.00 | $25.00 | 2/4/2010 5:12:57 PM |
| lean-velocity | $25.00 | $25.00 | 2/4/2010 5:13:02 PM |
| skuba | $50.00 | $50.00 | 2/4/2010 5:18:46 PM |
| meenan | $25.00 | $25.00 | 2/4/2010 5:25:08 PM |
| personal-lender | $25.00 | $25.00 | 2/4/2010 5:25:18 PM |
| trade-trumpet | $25.00 | $25.00 | 2/4/2010 5:26:06 PM |
| credit-force5 | $25.00 | $25.00 | 2/4/2010 5:25:28 PM |
| skvat | $25.00 | $25.00 | 2/4/2010 5:26:02 PM |
| AF-Chief | $28.00 | $28.00 | 2/4/2010 5:26:21 PM |
| commerce-voyager | $25.00 | $25.00 | 2/4/2010 5:24:48 PM |
| friendly-worth3 | $50.00 | $50.00 | 2/4/2010 5:26:51 PM |
| CardCapDude | $25.00 | $25.00 | 2/4/2010 5:26:47 PM |
| falcon245sp | $25.00 | $25.00 | 2/4/2010 5:26:58 PM |
| gold-commander0 | $50.00 | $50.00 | 2/4/2010 5:26:31 PM |
| market-builder | $25.00 | $25.00 | 2/4/2010 5:32:40 PM |
| dealarella | $25.00 | $25.00 | 2/4/2010 5:32:47 PM |
| thedoctor | $90.00 | $90.00 | 2/4/2010 5:33:00 PM |
| rolandweary | $30.00 | $30.00 | 2/4/2010 5:33:12 PM |
| supreme-hope | $25.00 | $25.00 | 2/4/2010 5:33:24 PM |
| commerce-web5 | $40.00 | $40.00 | 2/4/2010 5:33:05 PM |
| auction-elvis | $25.00 | $25.00 | 2/4/2010 5:33:28 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/4/2010 5:33:17 PM |
| dingus | $25.00 | $25.00 | 2/4/2010 5:34:24 PM |
| Syzygy | $25.00 | $25.00 | 2/4/2010 5:32:15 PM |
| peerlender | $30.00 | $30.00 | 2/4/2010 5:32:59 PM |
| social-conductor4 | $25.00 | $25.00 | 2/4/2010 5:36:32 PM |
| reinforced-reward | $25.00 | $25.00 | 2/4/2010 5:37:16 PM |
| desertoasis | $25.00 | $25.00 | 2/4/2010 5:33:45 PM |
| dud | $50.00 | $50.00 | 2/4/2010 5:37:55 PM |
| DukSerduk | $25.00 | $25.00 | 2/4/2010 5:38:39 PM |
| mikeandcat | $100.00 | $100.00 | 2/4/2010 5:35:41 PM |
| red-trade-cologne | $25.00 | $25.00 | 2/4/2010 5:37:48 PM |
| bigballer105 | $25.00 | $25.00 | 2/4/2010 5:38:47 PM |
| blissful-note7 | $25.00 | $25.00 | 2/5/2010 3:48:49 AM |
| lender5150 | $25.00 | $25.00 | 2/5/2010 6:32:09 AM |
| unrivaled-justice | $25.00 | $25.00 | 2/5/2010 8:34:20 AM |
| economy-caper9 | $25.00 | $25.00 | 2/5/2010 9:36:45 AM |
| klinebarger | $25.00 | $25.00 | 2/5/2010 10:16:18 AM |
| zento | $25.00 | $25.00 | 2/5/2010 9:41:59 AM |
| dontscrewmeover1 | $50.00 | $50.00 | 2/5/2010 10:06:05 AM |
| ujiba | $25.00 | $25.00 | 2/5/2010 11:07:04 AM |
| springpanda | $25.00 | $25.00 | 2/5/2010 1:34:34 PM |
| kmr2 | $81.19 | $81.19 | 2/5/2010 3:44:47 PM |
| hope-hickory | $30.00 | $30.00 | 2/5/2010 3:54:42 PM |
| BigMoney56 | $25.00 | $25.00 | 2/5/2010 4:29:58 PM |
| inspired-contract9 | $50.00 | $50.00 | 2/5/2010 4:31:52 PM |
| greenback-floret | $50.00 | $50.00 | 2/5/2010 5:11:53 PM |
| grampy48 | $25.00 | $25.00 | 2/5/2010 4:31:07 PM |
| MiniBank998 | $25.00 | $25.00 | 2/5/2010 4:49:55 PM |
| circustab | $50.00 | $50.00 | 2/6/2010 7:28:46 AM |
| ultimate-commitment | $25.00 | $25.00 | 2/6/2010 3:30:44 PM |
| rosie777 | $25.00 | $25.00 | 2/6/2010 3:35:05 PM |
| Eddie21 | $25.00 | $25.00 | 2/6/2010 3:08:05 PM |
| AceInTheHole | $25.00 | $25.00 | 2/6/2010 1:38:54 PM |
| refined-income7 | $25.00 | $25.00 | 2/7/2010 6:10:04 AM |
| zx12rider | $30.23 | $30.23 | 2/6/2010 4:02:43 PM |
| KiwiElf | $30.00 | $30.00 | 2/6/2010 7:43:51 PM |
| ingeborg77 | $50.00 | $50.00 | 2/7/2010 10:45:00 AM |
| Scoote2912 | $25.00 | $25.00 | 2/6/2010 3:55:00 PM |
| squarebob | $25.00 | $25.00 | 2/7/2010 12:52:32 PM |
| BankofBen | $25.00 | $25.00 | 2/7/2010 5:30:40 AM |
| ingeborg77 | $50.00 | $50.00 | 2/7/2010 10:45:27 AM |
| Dollars4Rent | $25.00 | $25.00 | 2/8/2010 8:42:03 AM |
| BayShell | $33.30 | $33.30 | 2/7/2010 11:08:15 PM |
| QsDad | $25.00 | $25.00 | 2/8/2010 9:35:57 AM |
| retiresecure | $25.00 | $25.00 | 2/8/2010 6:36:53 AM |
| Kaj | $25.00 | $25.00 | 2/8/2010 5:17:13 AM |
| DHolly | $25.00 | $25.00 | 2/8/2010 5:46:39 AM |
| adir1 | $50.00 | $50.00 | 2/8/2010 8:42:52 AM |
| Barky52 | $25.00 | $25.00 | 2/8/2010 9:55:11 AM |
| mizon291 | $50.00 | $50.00 | 2/8/2010 9:28:58 AM |
| selector568 | $400.00 | $400.00 | 2/8/2010 11:15:09 AM |
| dollardave | $200.00 | $200.00 | 2/8/2010 11:37:29 AM |
| ADenny | $25.00 | $25.00 | 2/8/2010 1:29:06 PM |
| minista | $25.00 | $25.00 | 2/8/2010 1:41:55 PM |
| svandals | $32.47 | $32.47 | 2/8/2010 6:20:14 PM |
| starside8 | $46.80 | $46.80 | 2/8/2010 7:01:58 PM |
| trevize | $25.00 | $25.00 | 2/8/2010 7:26:58 PM |
| Ven58 | $25.00 | $25.00 | 2/8/2010 7:13:53 PM |
| bonus-apple | $200.00 | $200.00 | 2/8/2010 8:03:16 PM |
| calilending | $25.00 | $25.00 | 2/9/2010 12:30:13 AM |
| Chillito | $25.00 | $25.00 | 2/8/2010 10:19:16 PM |
| cash-spinner | $25.00 | $25.00 | 2/9/2010 5:43:55 AM |
| upstate | $25.00 | $25.00 | 2/9/2010 6:50:09 AM |
| rce1964 | $25.00 | $25.00 | 2/9/2010 9:40:16 AM |
| brutai | $25.00 | $25.00 | 2/9/2010 7:28:12 AM |
| Statman01 | $25.00 | $25.00 | 2/9/2010 8:22:09 AM |
| mizount | $25.00 | $25.00 | 2/9/2010 11:23:59 AM |
| interstellar | $37.76 | $37.76 | 2/9/2010 10:53:26 AM |
| flshdaskll | $25.00 | $25.00 | 2/9/2010 12:16:16 PM |
| rdrloan | $25.00 | $25.00 | 2/9/2010 3:52:38 PM |
| OoM | $25.00 | $25.00 | 2/9/2010 4:10:53 PM |
| Gunny89 | $25.00 | $25.00 | 2/9/2010 6:34:37 PM |
| labate | $25.00 | $25.00 | 2/9/2010 5:34:29 PM |
| TBCapitol | $75.16 | $75.16 | 2/9/2010 7:35:57 PM |
| tomjac2000 | $25.00 | $25.00 | 2/9/2010 8:05:53 PM |
| discrete-asset | $25.00 | $25.00 | 2/10/2010 7:28:48 AM |
| Oak-Parker | $25.00 | $25.00 | 2/9/2010 8:53:53 PM |
| cedar5 | $25.65 | $25.65 | 2/9/2010 7:44:04 PM |
| toocautious | $100.00 | $100.00 | 2/10/2010 9:38:20 AM |
| calbertrand | $75.00 | $75.00 | 2/10/2010 7:26:12 AM |
| vtr1000 | $25.51 | $25.51 | 2/10/2010 6:46:16 AM |
| nickel-pipeline | $25.00 | $25.00 | 2/10/2010 11:06:16 AM |
| Torero06 | $30.63 | $30.63 | 2/10/2010 11:19:54 AM |
| sunny1985 | $25.00 | $25.00 | 2/10/2010 8:37:52 AM |
| mafmafmaf | $50.00 | $50.00 | 2/10/2010 8:00:40 AM |
| EmeritusX | $25.00 | $25.00 | 2/10/2010 11:12:32 AM |
| nhm | $26.57 | $26.57 | 2/10/2010 11:34:53 AM |
| andrewgl | $25.00 | $25.00 | 2/10/2010 4:18:46 PM |
| Rockymtnhi | $100.00 | $100.00 | 2/10/2010 4:39:21 PM |
| CTAngel | $37.50 | $37.50 | 2/10/2010 6:11:50 PM |
| ALFLoan | $25.00 | $25.00 | 2/10/2010 5:03:08 PM |
| Auditman | $50.00 | $50.00 | 2/11/2010 2:59:15 AM |
| Alexander1776 | $25.00 | $25.00 | 2/11/2010 6:59:11 AM |
| Charmart | $25.00 | $25.00 | 2/11/2010 2:53:26 AM |
| mhotchan | $100.00 | $100.00 | 2/11/2010 8:13:33 AM |
| stock_speculator | $25.00 | $25.00 | 2/11/2010 11:40:41 AM |
| natural-greenback6 | $25.00 | $25.00 | 2/11/2010 8:55:20 AM |
| goffmt | $50.00 | $50.00 | 2/11/2010 11:55:05 AM |
| credit-coach118 | $40.00 | $40.00 | 2/11/2010 8:38:40 AM |
| favorite-commerce | $25.00 | $25.00 | 2/11/2010 12:04:18 PM |
| Tiger6543 | $25.00 | $25.00 | 2/11/2010 12:31:26 PM |
| steady-peace8 | $100.00 | $100.00 | 2/11/2010 11:49:47 AM |
| nickel-pipeline | $26.40 | $26.40 | 2/11/2010 12:12:08 PM |
| SCD | $25.00 | $25.00 | 2/11/2010 12:51:02 PM |
| myduck | $100.00 | $100.00 | 2/11/2010 3:44:08 PM |
| ore-dojo | $200.00 | $200.00 | 2/11/2010 4:47:33 PM |
| 249 bids
|
Borrower Payment Dependent Notes Series
445628
This series of Notes was issued and sold upon the funding of the borrower loan #40876, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $158.33 |
| |
|
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:
| Nov-1995 |
Debt/Income ratio:
| 7% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
3 | Length of status: | 11y 7m |
|
Credit score:
| 680-699 (Jan-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,609 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| tommysf13 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 14 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 0
( 0% )
| 680-699
(Nov-2009)
640-659
(May-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
A PUSH OVER THE TOP PLEASE
Purpose of loan:
This loan will be used to?
dump the credit card and work towards actually paying off my debt for a better financial situation. I have a total out of approx. $1600 a mo. this includes the monthly mortgage and equity.
My financial situation:
I am a good candidate for this loan because?? long employment,never late,just outside the 700 mark! 692 credit karma 2-4-2010. the negative mark on my report was a bankruptcy in 2005. have been working at improving my scores ever since and continue to succede. I am also in the process of having 2 accounts from the 2005 filing reported correctly as (reaffirmed)? paid in full?accounts.
Monthly net income: $ 2600
Monthly expenses: $
??Housing: $ 750
??Insurance: $50
??Car expenses: $ 75
??Utilities: $ 125
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $ 75
??Credit cards and other loans: $170
??Other expenses: $50
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:
1. How much interest are you paying on the credit card you are planning to dump?
2. What caused the BK? - good4loan
A:
1. applied apr 14.15%
2. if refering to the bankruptcy in 05: carried balances on a few accounts and could not keep up after hours were reduced after a company move and expenses continued. however,my atty. failed to "officially reaffirm" two accounts that were paid in full but appear as a discharged debt on my report. working on getting those accounts to be reported differently.
(Feb-10-2010)
Q:
Hi, you had an earlier loan at an attractive apr. Curious why you'd pay that off early but pick up high apr debt. thanks - quickstep
A:
sorry for the delay i was out of town. the equity lender paid that and a vehicle loan off at the closing as a condition. instead of the credit card. i was told one thing and they did another.i told the rep i wanted the credit card paid off because of that very difference in the APR. thanks for bidding, hopefully i can get funded and get rid of the card.
(Feb-14-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 2/8/2010 10:34:20 AM |
| unk1911 | $25.00 | $25.00 | 2/8/2010 10:42:44 AM |
| eronyc | $25.00 | $25.00 | 2/8/2010 10:54:01 AM |
| pietro_torna_indietro | $25.00 | $25.00 | 2/8/2010 11:12:14 AM |
| GlenBank | $100.00 | $100.00 | 2/9/2010 8:50:03 PM |
| Ronnieboy888 | $25.00 | $25.00 | 2/10/2010 9:31:36 PM |
| adaptable-capital | $250.00 | $250.00 | 2/11/2010 7:06:27 PM |
| brother_tam | $100.00 | $100.00 | 2/13/2010 11:59:36 AM |
| mrxtravis | $95.00 | $95.00 | 2/13/2010 8:01:01 AM |
| best-generosity-financier | $25.00 | $25.00 | 2/13/2010 5:07:24 PM |
| glimmering-point | $25.00 | $25.00 | 2/13/2010 5:11:47 PM |
| Gobsek | $25.00 | $25.00 | 2/14/2010 11:32:23 AM |
| lender12345 | $25.00 | $25.00 | 2/14/2010 1:01:29 PM |
| EEasyMoney | $25.00 | $25.00 | 2/14/2010 12:46:58 PM |
| twjh | $25.00 | $25.00 | 2/15/2010 7:12:06 AM |
| innovator2 | $100.00 | $100.00 | 2/14/2010 5:31:33 PM |
| malomar66 | $40.10 | $40.10 | 2/14/2010 10:16:41 PM |
| innovator2 | $100.00 | $100.00 | 2/14/2010 10:51:49 PM |
| social-conductor4 | $25.00 | $25.00 | 2/15/2010 9:15:03 AM |
| DasMula | $50.00 | $50.00 | 2/15/2010 9:21:22 AM |
| aquistoyraul | $50.00 | $50.00 | 2/15/2010 9:23:16 AM |
| head | $25.00 | $25.00 | 2/15/2010 9:26:52 AM |
| Peterman | $30.00 | $30.00 | 2/15/2010 8:48:37 AM |
| Happy-Man | $25.00 | $25.00 | 2/15/2010 8:30:24 AM |
| ekmendenhall | $35.00 | $35.00 | 2/8/2010 10:40:01 AM |
| tigercat | $50.00 | $50.00 | 2/8/2010 5:36:05 PM |
| zydeco337 | $25.00 | $25.00 | 2/8/2010 10:17:56 PM |
| cunning-bill | $25.00 | $25.00 | 2/9/2010 9:15:10 AM |
| Iceman1347 | $25.00 | $25.00 | 2/9/2010 9:27:25 AM |
| dynrep | $25.00 | $25.00 | 2/11/2010 6:27:05 AM |
| red-favorable-basis | $25.00 | $25.00 | 2/12/2010 5:40:20 AM |
| velocity-flag | $25.00 | $25.00 | 2/12/2010 1:01:24 PM |
| Leshan | $100.00 | $100.00 | 2/12/2010 9:56:48 AM |
| cake7 | $25.00 | $25.00 | 2/12/2010 4:36:03 PM |
| lucrative-loan | $200.00 | $200.00 | 2/12/2010 5:57:31 PM |
| best-generosity-financier | $25.00 | $25.00 | 2/12/2010 5:53:20 PM |
| new-smart-fund | $200.00 | $200.00 | 2/12/2010 5:57:32 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/12/2010 5:49:51 PM |
| eslteach | $172.40 | $172.40 | 2/12/2010 6:55:01 PM |
| dcm6276 | $25.00 | $25.00 | 2/13/2010 2:59:30 AM |
| quickstep | $50.00 | $50.00 | 2/14/2010 5:28:35 AM |
| BobJohnson | $25.00 | $25.00 | 2/13/2010 6:05:27 PM |
| innovator2 | $100.00 | $100.00 | 2/13/2010 7:06:09 PM |
| groundsquirrel | $25.00 | $25.00 | 2/13/2010 7:51:22 PM |
| Sudoku | $50.00 | $50.00 | 2/14/2010 6:42:00 AM |
| allbalooboy2 | $25.00 | $25.00 | 2/14/2010 6:38:08 PM |
| wbwill | $25.00 | $25.00 | 2/14/2010 8:08:06 PM |
| Sudoku | $25.94 | $25.94 | 2/14/2010 9:19:24 PM |
| chameleon125 | $50.00 | $50.00 | 2/14/2010 12:39:45 PM |
| quickstep | $200.00 | $200.00 | 2/15/2010 2:10:55 AM |
| Bob450 | $25.00 | $25.00 | 2/15/2010 8:14:09 AM |
| sprout16 | $50.00 | $50.00 | 2/15/2010 1:56:29 AM |
| chroman | $50.00 | $50.00 | 2/15/2010 9:10:35 AM |
| melodious-bid | $800.00 | $366.81 | 2/15/2010 7:10:28 AM |
| dynrep | $25.00 | $25.00 | 2/15/2010 7:31:30 AM |
| loan-eagle9 | $25.00 | $25.00 | 2/15/2010 9:11:44 AM |
| supreme-hope | $25.00 | $25.00 | 2/15/2010 9:16:53 AM |
| five-star-note | $84.75 | $84.75 | 2/15/2010 9:07:14 AM |
| 58 bids
|
Borrower Payment Dependent Notes Series
445680
This series of Notes was issued and sold upon the funding of the borrower loan #40854, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 6.15% |
Starting borrower rate/APR:
| 7.15% / 7.49% |
Starting monthly payment:
| $61.89 |
|
Final lender yield:
| 5.10% |
Final borrower rate/APR:
| 6.10% / 6.44% |
Final monthly payment:
| $60.93 |
| |
|
Auction yield range:
| 3.06% - 6.15% |
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:
| Jan-1999 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 6m |
|
Credit score:
| 780-799 (Feb-2010) |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,363 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| foodog78 |
Borrower's state:
| NewHampshire |
Borrower's group:
| Libertarians |
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:
| 12 ( 86% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 2
( 14% )
| 700-719
(Dec-2007)
740-759
(May-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Getting into Hot Water
Purpose of loan:
My 16 year old water heater has stopped
putting out hot water and I have decided the best replacement is a new
indirect water heater (IWH) system that ties in to my existing high
efficiency central heating boiler.? The best quote I received from area
reputable plumbing outfits was $2000.?? My goal for this loan is to
fund this water heater replacement in full.? This new system has a lifetime warranty on the storage tank, lower operating costs, and will bring my plumbing up to code.
My financial situation:
Monthly income after taxes is approximately $4600.
Monthly expenses: $4090 - $4320
??Housing: $1900 (including mortgage, property tax, etc)
? Car expenses: $650 (including loan, gasoline, maintenance)
??Utilities: $370-$500 (expected to lower after this upgrade to my water heater)
? Food, entertainment: $300
? Misc $100
??Credit card: $700 ($350 minimum)
? This Loan: ~$70
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) |
|
| kenji4861 | $25.00 | $25.00 | 2/8/2010 12:40:51 PM |
| selector568 | $250.00 | $250.00 | 2/8/2010 12:42:17 PM |
| DonaldColorado | $25.00 | $25.00 | 2/8/2010 12:40:08 PM |
| skuba | $50.00 | $50.00 | 2/8/2010 1:05:41 PM |
| meenan | $25.00 | $25.00 | 2/8/2010 1:07:37 PM |
| personal-lender | $25.00 | $25.00 | 2/8/2010 1:07:51 PM |
| moola-escalator | $50.00 | $15.17 | 2/8/2010 1:08:40 PM |
| EmeritusX | $25.00 | $25.00 | 2/8/2010 1:29:16 PM |
| Mav26 | $300.00 | $300.00 | 2/8/2010 1:21:12 PM |
| amit_gu | $45.00 | $45.00 | 2/9/2010 7:25:07 AM |
| generous-deal6 | $25.00 | $25.00 | 2/9/2010 6:16:39 PM |
| grasscutter | $100.00 | $100.00 | 2/10/2010 8:16:55 AM |
| springpanda | $25.00 | $25.00 | 2/10/2010 11:43:05 AM |
| hellasow | $25.00 | $25.00 | 2/10/2010 5:42:01 PM |
| exchange-squirrel | $25.00 | $25.00 | 2/11/2010 12:49:15 AM |
| Personal-Bond | $31.98 | $31.98 | 2/11/2010 11:57:32 AM |
| smarva | $50.00 | $50.00 | 2/12/2010 9:03:39 AM |
| c03rc3 | $25.00 | $25.00 | 2/12/2010 1:26:24 PM |
| lsx7 | $88.00 | $88.00 | 2/12/2010 3:32:28 PM |
| billnsc | $25.00 | $25.00 | 2/14/2010 6:19:47 PM |
| YummiBear | $25.00 | $25.00 | 2/14/2010 7:21:58 PM |
| JohnSmith10 | $25.00 | $25.00 | 2/14/2010 10:29:35 PM |
| SteadyOne | $50.00 | $50.00 | 2/14/2010 7:13:50 PM |
| JCPlending | $25.00 | $25.00 | 2/15/2010 8:17:17 AM |
| persistent-value3 | $93.30 | $93.30 | 2/15/2010 6:02:51 AM |
| biohazardus | $25.00 | $25.00 | 2/15/2010 10:04:20 AM |
| PeacefulFlorida | $25.00 | $25.00 | 2/15/2010 11:51:06 AM |
| afford83 | $25.00 | $25.00 | 2/8/2010 12:34:31 PM |
| lean-velocity | $25.00 | $25.00 | 2/8/2010 12:41:10 PM |
| lloyd_s | $25.00 | $25.00 | 2/8/2010 1:07:46 PM |
| credit-force5 | $25.00 | $25.00 | 2/8/2010 1:08:12 PM |
| mlopez2007 | $50.00 | $50.00 | 2/8/2010 1:08:27 PM |
| HealthAndSafety | $100.00 | $100.00 | 2/9/2010 2:36:22 PM |
| justin323 | $25.00 | $25.00 | 2/9/2010 5:20:12 PM |
| jackdempsey | $100.00 | $100.00 | 2/11/2010 1:50:21 AM |
| SchaeferJ | $25.00 | $25.00 | 2/11/2010 11:57:38 AM |
| Dollars4Rent | $25.00 | $25.00 | 2/11/2010 1:24:29 PM |
| Earn_money | $25.00 | $25.00 | 2/12/2010 10:11:38 AM |
| Spiv_51 | $25.00 | $25.00 | 2/13/2010 4:07:14 AM |
| Marco83 | $26.55 | $26.55 | 2/15/2010 11:57:21 AM |
| blackstar | $25.00 | $25.00 | 2/15/2010 12:01:48 PM |
| 41 bids
|
Borrower Payment Dependent Notes Series
445860
This series of Notes was issued and sold upon the funding of the borrower loan #40877, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,400.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 30.24% |
Starting borrower rate/APR:
| 31.24% / 33.64% |
Starting monthly payment:
| $362.32 |
|
Final lender yield:
| 26.40% |
Final borrower rate/APR:
| 27.40% / 29.74% |
Final monthly payment:
| $344.74 |
| |
|
Auction yield range:
| 11.06% - 30.24% |
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:
| Feb-1989 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 21y 1m |
|
Credit score:
| 680-699 (Jan-2010) |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,999 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| carl527 |
Borrower's state:
| Alabama |
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:
| 3 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 640-659
(Dec-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 3 | | |
Description
Sewer connection and consolidation
Purpose of loan:
This loan will be used to pay to connect our house to the sewer and to
consolidate bills.Our house is 34 years
old and the septic system, specifically the leach fields, has stopped working.
I?ve been told that by today?s standards the ground would never be approved for
a septic system.
I have a few bills that I want to consolidate into one loan.
I have two daughters in college and I have been helping to pay living expenses.
They have worked hard and have scholarships that pay tuition but books, room
and board are remaining. Books and a couple of unexpected expenses last
semester were higher than I had planned.
My financial situation:
I am a good candidate for this loan because I repay my debt. My credit score is lower than it should be but
I have never filed bankruptcy or defaulted on a loan.I have worked for the same company for almost
12 years and have continued to advance. Our business has continued to increase
even in the poor economy and shows no signs of lessening.
Monthly net income: $ 4,100
Monthly expenses: $ 2,720
??Housing: $ 475
??Insurance: $ 275
??Car expenses: $ 460
??Utilities: $ 320
??Phone, cable, internet: $ 165
??Food, entertainment: $ 550
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 125
??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) |
|
| famous-bill | $75.00 | $75.00 | 2/8/2010 12:36:55 PM |
| brutusbone | $25.00 | $25.00 | 2/8/2010 12:38:56 PM |
| triumph329 | $25.00 | $25.00 | 2/8/2010 12:39:51 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 2/8/2010 12:40:11 PM |
| oldmora | $25.00 | $25.00 | 2/8/2010 12:40:21 PM |
| rosario1 | $25.00 | $25.00 | 2/8/2010 12:39:35 PM |
| treasure-bliss | $100.00 | $100.00 | 2/8/2010 12:40:30 PM |
| mizon291 | $50.00 | $50.00 | 2/8/2010 12:54:45 PM |
| influential-gain | $25.00 | $25.00 | 2/8/2010 12:55:40 PM |
| Rattlehead | $25.00 | $25.00 | 2/8/2010 12:56:19 PM |
| cunning-bill | $25.00 | $25.00 | 2/8/2010 12:56:22 PM |
| mtquan | $25.00 | $25.00 | 2/8/2010 12:56:28 PM |
| zipemdown | $25.00 | $25.00 | 2/8/2010 12:56:51 PM |
| cash-queen | $25.00 | $25.00 | 2/8/2010 12:57:31 PM |
| mdf | $50.00 | $50.00 | 2/8/2010 12:57:43 PM |
| PatRichi | $25.00 | $25.00 | 2/8/2010 12:57:48 PM |
| intuitive-bill | $25.00 | $25.00 | 2/8/2010 12:58:11 PM |
| delivery | $25.00 | $25.00 | 2/8/2010 12:58:25 PM |
| lending-bear | $25.00 | $25.00 | 2/8/2010 12:58:30 PM |
| merriewold | $25.00 | $25.00 | 2/8/2010 12:58:34 PM |
| johnnyjg3 | $25.00 | $25.00 | 2/8/2010 12:59:32 PM |
| gciarami | $25.00 | $25.00 | 2/8/2010 12:59:52 PM |
| randsenterprise | $25.00 | $25.00 | 2/8/2010 1:00:02 PM |
| Supernick | $25.00 | $25.00 | 2/8/2010 1:00:14 PM |
| oreyedoc | $25.00 | $25.00 | 2/8/2010 1:00:20 PM |
| nourishing-interest0 | $25.00 | $25.00 | 2/8/2010 1:00:30 PM |
| WBB21 | $25.00 | $25.00 | 2/8/2010 1:00:33 PM |
| p123 | $25.00 | $25.00 | 2/8/2010 1:00:52 PM |
| saffron4 | $50.00 | $50.00 | 2/8/2010 1:00:56 PM |
| value-pole | $25.00 | $25.00 | 2/8/2010 1:01:07 PM |
| Zolton | $200.00 | $200.00 | 2/8/2010 1:01:30 PM |
| elevated-platinum5 | $25.00 | $25.00 | 2/8/2010 1:01:36 PM |
| thestartuplender | $35.00 | $35.00 | 2/8/2010 1:01:41 PM |
| honorable-yield | $35.00 | $35.00 | 2/8/2010 1:01:50 PM |
| djames82 | $25.00 | $25.00 | 2/8/2010 1:02:08 PM |
| benjo | $25.00 | $25.00 | 2/8/2010 12:54:51 PM |
| useful-p2ploan | $50.00 | $50.00 | 2/8/2010 12:55:20 PM |
| duty-sensai | $25.00 | $25.00 | 2/8/2010 12:55:34 PM |
| fund-virtuoso | $25.00 | $25.00 | 2/8/2010 1:02:42 PM |
| Purposeful | $25.00 | $25.00 | 2/8/2010 1:03:02 PM |
| nourishing-hope835 | $25.00 | $25.00 | 2/8/2010 12:56:35 PM |
| oneforthemoney | $25.00 | $25.00 | 2/8/2010 12:54:54 PM |
| michael573114 | $25.00 | $25.00 | 2/8/2010 12:55:46 PM |
| sms0106 | $25.00 | $25.00 | 2/8/2010 1:03:52 PM |
| AF-Chief | $28.00 | $28.00 | 2/8/2010 12:56:09 PM |
| KgBsUcKa | $25.00 | $25.00 | 2/8/2010 1:04:20 PM |
| bslavin | $25.00 | $25.00 | 2/8/2010 12:57:45 PM |
| Msbutterfly | $25.00 | $25.00 | 2/8/2010 1:04:27 PM |
| 30Sky | $25.00 | $25.00 | 2/8/2010 1:04:37 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/8/2010 12:56:39 PM |
| circuitfive | $25.00 | $25.00 | 2/8/2010 12:57:56 PM |
| PCash | $25.00 | $25.00 | 2/8/2010 1:04:53 PM |
| happyaric | $100.00 | $100.00 | 2/8/2010 12:58:00 PM |
| first-restless-payout | $25.00 | $25.00 | 2/8/2010 12:56:44 PM |
| delicious-social132 | $25.00 | $25.00 | 2/8/2010 12:58:17 PM |
| elegant-bonus | $25.00 | $25.00 | 2/8/2010 12:57:05 PM |
| Gibbyland | $50.00 | $50.00 | 2/8/2010 12:58:31 PM |
| WalnutCreekguy | $25.00 | $25.00 | 2/8/2010 12:57:19 PM |
| purdue98 | $25.00 | $25.00 | 2/8/2010 12:58:40 PM |
| junctionking | $25.00 | $25.00 | 2/8/2010 12:58:43 PM |
| DRA-Properties | $25.00 | $25.00 | 2/8/2010 12:58:50 PM |
| apeloans | $25.00 | $25.00 | 2/8/2010 12:58:05 PM |
| bountiful-bazaar | $25.00 | $25.00 | 2/8/2010 12:58:15 PM |
| Philkent | $50.00 | $50.00 | 2/8/2010 12:59:37 PM |
| steves73 | $25.00 | $25.00 | 2/8/2010 12:58:49 PM |
| MAYBROOK | $25.00 | $25.00 | 2/8/2010 12:59:51 PM |
| loan-master996 | $50.00 | $50.00 | 2/8/2010 12:59:05 PM |
| bowdish1 | $50.00 | $50.00 | 2/8/2010 1:00:00 PM |
| jonbozeman | $25.00 | $25.00 | 2/8/2010 1:00:21 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/8/2010 12:59:45 PM |
| charming-point | $300.00 | $300.00 | 2/8/2010 1:00:28 PM |
| the-aggresive-principal | $25.00 | $25.00 | 2/8/2010 1:00:49 PM |
| Cai8899 | $30.00 | $30.00 | 2/8/2010 1:00:15 PM |
| VBAces | $25.00 | $25.00 | 2/8/2010 1:01:02 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 2/8/2010 1:01:14 PM |
| cognizant-wealth | $25.00 | $25.00 | 2/8/2010 1:01:22 PM |
| beatmix01 | $25.00 | $25.00 | 2/8/2010 1:00:36 PM |
| TheYellowDart | $25.00 | $25.00 | 2/8/2010 1:00:40 PM |
| impeccable-transparency | $50.00 | $50.00 | 2/8/2010 1:01:32 PM |
| Buffer10 | $100.00 | $100.00 | 2/8/2010 1:01:18 PM |
| Vreet | $25.00 | $25.00 | 2/8/2010 1:01:27 PM |
| spirited-finance1 | $25.00 | $25.00 | 2/8/2010 1:02:44 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/8/2010 1:02:53 PM |
| rooosta | $25.00 | $25.00 | 2/8/2010 1:03:00 PM |
| Speculator | $50.00 | $50.00 | 2/8/2010 1:03:06 PM |
| Katburg | $25.00 | $25.00 | 2/8/2010 1:03:13 PM |
| EJL | $25.00 | $25.00 | 2/8/2010 1:03:39 PM |
| Sam65 | $25.00 | $25.00 | 2/8/2010 1:03:44 PM |
| screenname03 | $25.00 | $25.00 | 2/8/2010 1:03:46 PM |
| Interstate_Rate | $250.00 | $250.00 | 2/8/2010 1:03:36 PM |
| ritchie70 | $25.00 | $25.00 | 2/8/2010 1:04:19 PM |
| sharpchicago | $25.00 | $25.00 | 2/8/2010 1:03:47 PM |
| kidsskipp | $25.00 | $25.00 | 2/8/2010 1:04:28 PM |
| poeman | $25.00 | $25.00 | 2/8/2010 1:03:50 PM |
| GrooveBiz | $50.00 | $50.00 | 2/8/2010 1:04:32 PM |
| tisgro | $25.00 | $25.00 | 2/8/2010 1:04:34 PM |
| entrelender | $25.00 | $25.00 | 2/8/2010 1:04:37 PM |
| Sateesh | $100.00 | $100.00 | 2/8/2010 1:04:17 PM |
| bnlforever | $25.00 | $25.00 | 2/8/2010 1:04:49 PM |
| fareast_man | $25.00 | $25.00 | 2/8/2010 1:04:24 PM |
| bre56 | $25.00 | $25.00 | 2/8/2010 1:04:26 PM |
| Gixxer600 | $25.00 | $25.00 | 2/8/2010 1:04:38 PM |
| deegeeman | $50.00 | $50.00 | 2/8/2010 1:04:42 PM |
| texrob20 | $25.00 | $25.00 | 2/8/2010 1:04:52 PM |
| FinDoc | $25.00 | $25.00 | 2/8/2010 1:13:25 PM |
| reflective-rupee | $67.00 | $67.00 | 2/8/2010 1:28:10 PM |
| SolarMoonshine | $50.00 | $50.00 | 2/8/2010 5:46:49 PM |
| Kash2010lu | $35.00 | $35.00 | 2/8/2010 6:33:29 PM |
| monstersdad | $42.41 | $42.41 | 2/8/2010 7:29:34 PM |
| Bob450 | $50.00 | $50.00 | 2/8/2010 8:51:13 PM |
| loan-fate | $25.00 | $25.00 | 2/9/2010 1:08:07 PM |
| witty-compassion | $25.00 | $25.00 | 2/9/2010 1:30:42 PM |
| felicity-daydream | $75.00 | $75.00 | 2/9/2010 1:47:07 PM |
| LuvToLend | $25.00 | $25.00 | 2/9/2010 11:40:20 PM |
| Ronnieboy888 | $25.00 | $25.00 | 2/10/2010 9:43:30 PM |
| integrity-doctor | $50.00 | $50.00 | 2/11/2010 2:46:51 PM |
| Kubasaki | $25.00 | $25.00 | 2/12/2010 5:06:41 PM |
| top-fund-shooter | $50.00 | $50.00 | 2/13/2010 5:02:07 AM |
| Techne_Funds_LLC | $25.00 | $25.00 | 2/14/2010 3:36:47 PM |
| Rogelio48 | $35.00 | $35.00 | 2/14/2010 1:27:54 PM |
| Ambassador | $43.00 | $43.00 | 2/14/2010 8:18:51 PM |
| rate-hickory | $25.00 | $25.00 | 2/15/2010 8:00:14 AM |
| 113121 | $25.00 | $25.00 | 2/15/2010 7:04:19 AM |
| Helenska11 | $25.00 | $25.00 | 2/15/2010 9:47:40 AM |
| grnii78 | $75.00 | $75.00 | 2/15/2010 10:34:42 AM |
| Leshan | $50.00 | $50.00 | 2/15/2010 12:32:21 PM |
| seisen | $100.00 | $100.00 | 2/8/2010 12:40:14 PM |
| yeti888 | $25.00 | $25.00 | 2/8/2010 12:40:22 PM |
| autonomous-basis | $25.00 | $25.00 | 2/8/2010 12:41:35 PM |
| social-conductor4 | $25.00 | $25.00 | 2/8/2010 12:36:04 PM |
| Kaj | $25.00 | $25.00 | 2/8/2010 12:37:15 PM |
| desertoasis | $50.00 | $50.00 | 2/8/2010 12:41:43 PM |
| GatorBux | $25.00 | $25.00 | 2/8/2010 12:56:55 PM |
| EnigmaNYC-29 | $25.00 | $25.00 | 2/8/2010 12:57:08 PM |
| natecam | $25.00 | $25.00 | 2/8/2010 12:57:12 PM |
| wampum-proton | $25.00 | $25.00 | 2/8/2010 12:57:40 PM |
| papaloha | $50.00 | $50.00 | 2/8/2010 12:57:51 PM |
| benefit-squirrel | $25.00 | $25.00 | 2/8/2010 12:58:08 PM |
| ingenious-deal6 | $25.00 | $25.00 | 2/8/2010 12:58:32 PM |
| Geldmeister | $25.00 | $25.00 | 2/8/2010 12:59:16 PM |
| kind-efficient-credit | $25.00 | $25.00 | 2/8/2010 12:59:19 PM |
| theprince | $25.00 | $25.00 | 2/8/2010 12:59:22 PM |
| Banker7371 | $25.00 | $25.00 | 2/8/2010 1:00:04 PM |
| asiaratt | $100.00 | $100.00 | 2/8/2010 1:02:45 PM |
| CAGE-Investments | $50.00 | $50.00 | 2/8/2010 1:02:51 PM |
| zippy-interest | $25.00 | $25.00 | 2/8/2010 12:56:23 PM |
| Wellman | $100.00 | $100.00 | 2/8/2010 12:56:31 PM |
| KevinC_63366 | $25.00 | $25.00 | 2/8/2010 12:56:50 PM |
| mizount | $25.00 | $25.00 | 2/8/2010 12:55:56 PM |
| industrious-dedication | $25.00 | $25.00 | 2/8/2010 12:57:14 PM |
| creditasaurus9 | $25.00 | $25.00 | 2/8/2010 1:04:02 PM |
| GMOD026 | $25.00 | $25.00 | 2/8/2010 12:56:25 PM |
| persevering | $25.00 | $25.00 | 2/8/2010 12:57:32 PM |
| peril | $50.00 | $50.00 | 2/8/2010 1:04:15 PM |
| LBOregon | $25.00 | $25.00 | 2/8/2010 12:57:36 PM |
| kirklandrealtor | $30.00 | $30.00 | 2/8/2010 1:04:23 PM |
| ADSFL05 | $25.00 | $25.00 | 2/8/2010 1:04:32 PM |
| cspot | $25.00 | $25.00 | 2/8/2010 1:04:44 PM |
| traveler50 | $25.00 | $25.00 | 2/8/2010 1:04:55 PM |
| rock-turner | $50.00 | $50.00 | 2/8/2010 12:56:42 PM |
| direct-yield | $25.00 | $25.00 | 2/8/2010 12:56:58 PM |
| hc90474 | $25.00 | $25.00 | 2/8/2010 12:57:03 PM |
| NorthernFunds | $25.00 | $25.00 | 2/8/2010 12:57:21 PM |
| kmr2 | $100.00 | $100.00 | 2/8/2010 12:57:27 PM |
| orange-vigilance-shower | $25.00 | $25.00 | 2/8/2010 12:58:52 PM |
| secobarbital | $25.00 | $25.00 | 2/8/2010 12:59:01 PM |
| Shepherd7 | $25.00 | $25.00 | 2/8/2010 12:58:12 PM |
| copper | $30.00 | $30.00 | 2/8/2010 12:58:19 PM |
| time4aloan | $30.00 | $30.00 | 2/8/2010 12:58:26 PM |
| oaktown23 | $50.00 | $50.00 | 2/8/2010 12:59:27 PM |
| gavinfh | $25.00 | $25.00 | 2/8/2010 12:59:29 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/8/2010 12:58:45 PM |
| balance-hercules | $100.00 | $100.00 | 2/8/2010 12:59:40 PM |
| GElender | $25.00 | $25.00 | 2/8/2010 12:58:57 PM |
| exact-loan5 | $30.00 | $30.00 | 2/8/2010 12:59:07 PM |
| BankME | $25.00 | $25.00 | 2/8/2010 12:59:56 PM |
| hope-equation | $50.00 | $50.00 | 2/8/2010 1:00:25 PM |
| selfmademan | $25.00 | $25.00 | 2/8/2010 12:59:50 PM |
| puifais | $25.00 | $25.00 | 2/8/2010 1:00:13 PM |
| wise-extraordinary-loot | $25.00 | $25.00 | 2/8/2010 1:00:59 PM |
| blooming-dedication | $50.00 | $50.00 | 2/8/2010 1:01:20 PM |
| tsquared_030 | $25.00 | $25.00 | 2/8/2010 1:01:25 PM |
| elegant-loot | $25.00 | $25.00 | 2/8/2010 1:00:46 PM |
| dedicated-diversification5 | $100.00 | $100.00 | 2/8/2010 1:01:45 PM |
| personal-lender | $25.00 | $25.00 | 2/8/2010 1:01:12 PM |
| Turtlebear44 | $25.00 | $25.00 | 2/8/2010 1:01:47 PM |
| AF_Trust | $25.00 | $25.00 | 2/8/2010 1:01:40 PM |
| lloyd_s | $25.00 | $25.00 | 2/8/2010 1:01:44 PM |
| CarDealer3070 | $30.00 | $30.00 | 2/8/2010 1:02:58 PM |
| georgethesir | $25.00 | $25.00 | 2/8/2010 1:03:03 PM |
| gizzywump | $25.00 | $25.00 | 2/8/2010 1:03:11 PM |
| Cre8iveCash | $25.00 | $25.00 | 2/8/2010 1:03:42 PM |
| ThisGuyIKnow | $50.00 | $50.00 | 2/8/2010 1:03:33 PM |
| mathprof | $25.00 | $25.00 | 2/8/2010 1:04:07 PM |
| accountant41 | $25.00 | $25.00 | 2/8/2010 1:04:21 PM |
| cmlmiami | $100.00 | $100.00 | 2/8/2010 1:04:30 PM |
| momoney2lend | $25.00 | $25.00 | 2/8/2010 1:04:10 PM |
| Q9-X3 | $25.00 | $25.00 | 2/8/2010 1:04:33 PM |
| important-ore | $50.00 | $50.00 | 2/8/2010 1:04:12 PM |
| fairhelper | $25.00 | $25.00 | 2/8/2010 1:04:35 PM |
| balance6 | $25.00 | $25.00 | 2/8/2010 1:04:14 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/8/2010 1:04:18 PM |
| jlr613 | $25.00 | $25.00 | 2/8/2010 1:04:51 PM |
| skuba | $25.00 | $25.00 | 2/8/2010 1:04:25 PM |
| GellMaster | $25.00 | $25.00 | 2/8/2010 1:04:31 PM |
| benevolent-bonus | $25.00 | $25.00 | 2/8/2010 1:04:40 PM |
| Trimalchio12 | $25.00 | $25.00 | 2/8/2010 1:04:50 PM |
| kindness-hickory5 | $25.00 | $23.41 | 2/8/2010 1:04:57 PM |
| reflective-rupee | $100.00 | $100.00 | 2/8/2010 1:06:02 PM |
| reflective-rupee | $100.00 | $100.00 | 2/8/2010 1:06:28 PM |
| czar3 | $40.00 | $40.00 | 2/8/2010 7:27:52 PM |
| GreenNotes | $36.00 | $36.00 | 2/9/2010 12:53:55 PM |
| JustMee | $25.00 | $25.00 | 2/9/2010 8:55:42 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 2/10/2010 8:33:11 AM |
| pietro_torna_indietro | $34.93 | $34.93 | 2/10/2010 10:01:47 AM |
| lender12345 | $25.00 | $25.00 | 2/10/2010 6:22:36 PM |
| unger | $50.00 | $50.00 | 2/10/2010 7:26:17 PM |
| mehlp2 | $25.25 | $25.25 | 2/11/2010 9:23:43 AM |
| goffmt | $60.00 | $60.00 | 2/11/2010 11:45:08 AM |
| dorypro | $25.00 | $25.00 | 2/12/2010 1:49:01 PM |
| zento | $25.00 | $25.00 | 2/13/2010 7:32:30 PM |
| nalaari | $50.00 | $50.00 | 2/15/2010 7:16:53 AM |
| brilliant-balance | $25.00 | $25.00 | 2/15/2010 7:25:37 AM |
| 223 bids
|
Borrower Payment Dependent Notes Series
445896
This series of Notes was issued and sold upon the funding of the borrower loan #40860, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 6.15% |
Starting borrower rate/APR:
| 7.15% / 7.49% |
Starting monthly payment:
| $61.89 |
|
Final lender yield:
| 5.10% |
Final borrower rate/APR:
| 6.10% / 6.44% |
Final monthly payment:
| $60.93 |
| |
|
Auction yield range:
| 3.06% - 6.15% |
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:
| Jul-2004 |
Debt/Income ratio:
| 2% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 0m |
|
Credit score:
| 740-759 (Feb-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| LoanDMC |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 760-779
(Aug-2008)
760-779
(Aug-2007)
|
|
Principal balance:
| $1,153.91 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Funds for reinvestment in Prosper
Purpose of loan:
This loan will be used to reinvest in Prosper at a higher interest rate.
My financial situation:
I am a good candidate for this loan because I have $80,000 in annual income and no debt.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
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 | 2/8/2010 12:42:16 PM |
| DonaldColorado | $25.00 | $25.00 | 2/8/2010 12:40:01 PM |
| lean-velocity | $25.00 | $25.00 | 2/8/2010 12:41:00 PM |
| CardCapDude | $25.00 | $25.00 | 2/8/2010 1:09:00 PM |
| delicious-social132 | $25.00 | $25.00 | 2/8/2010 1:10:31 PM |
| dealarella | $25.00 | $25.00 | 2/8/2010 1:10:58 PM |
| penny-zeus | $25.00 | $25.00 | 2/8/2010 1:08:48 PM |
| dproxima | $25.00 | $25.00 | 2/8/2010 5:06:04 PM |
| MoneyForNothing | $25.00 | $25.00 | 2/9/2010 7:59:47 PM |
| hellasow | $25.00 | $25.00 | 2/10/2010 5:37:12 PM |
| smarva | $50.00 | $50.00 | 2/12/2010 7:14:43 AM |
| smarva | $25.00 | $25.00 | 2/12/2010 8:33:14 AM |
| dollars4loan | $75.00 | $75.00 | 2/13/2010 8:41:43 AM |
| billnsc | $25.00 | $25.00 | 2/14/2010 6:21:39 PM |
| persistent-value3 | $93.30 | $93.30 | 2/15/2010 6:08:04 AM |
| olin5 | $25.00 | $25.00 | 2/15/2010 7:19:35 AM |
| AlphaInternational | $25.00 | $25.00 | 2/15/2010 11:54:26 AM |
| jybank | $50.00 | $50.00 | 2/15/2010 12:15:23 PM |
| StocksMan | $50.00 | $50.00 | 2/15/2010 12:32:57 PM |
| kenji4861 | $25.00 | $25.00 | 2/8/2010 12:40:41 PM |
| personal-lender | $25.00 | $25.00 | 2/8/2010 1:08:01 PM |
| moola-escalator | $50.00 | $50.00 | 2/8/2010 1:08:35 PM |
| AF-Chief | $28.00 | $28.00 | 2/8/2010 1:08:44 PM |
| bchen78875 | $50.00 | $50.00 | 2/8/2010 1:10:08 PM |
| peerlender | $30.00 | $3.70 | 2/8/2010 1:11:02 PM |
| skuba | $50.00 | $50.00 | 2/8/2010 1:05:52 PM |
| commerce-voyager | $25.00 | $25.00 | 2/8/2010 1:07:03 PM |
| lloyd_s | $25.00 | $25.00 | 2/8/2010 1:07:40 PM |
| meenan | $25.00 | $25.00 | 2/8/2010 1:07:30 PM |
| credit-force5 | $25.00 | $25.00 | 2/8/2010 1:08:06 PM |
| theprince | $25.00 | $25.00 | 2/8/2010 1:08:15 PM |
| mlopez2007 | $50.00 | $50.00 | 2/8/2010 1:08:21 PM |
| falcon245sp | $25.00 | $25.00 | 2/8/2010 1:09:03 PM |
| market-builder | $25.00 | $25.00 | 2/8/2010 1:10:20 PM |
| Cai8899 | $75.00 | $75.00 | 2/8/2010 1:10:17 PM |
| bowdish1 | $100.00 | $100.00 | 2/8/2010 1:10:39 PM |
| Mav26 | $200.00 | $200.00 | 2/8/2010 1:20:03 PM |
| HealthAndSafety | $100.00 | $100.00 | 2/9/2010 2:36:50 PM |
| springpanda | $25.00 | $25.00 | 2/9/2010 4:14:56 PM |
| uvumf | $25.00 | $25.00 | 2/9/2010 4:24:23 PM |
| cwegert | $75.00 | $75.00 | 2/10/2010 9:47:58 AM |
| Dollars4Rent | $25.00 | $25.00 | 2/11/2010 1:32:49 PM |
| YummiBear | $25.00 | $25.00 | 2/14/2010 7:23:34 PM |
| 43 bids
|
Borrower Payment Dependent Notes Series
445984
This series of Notes was issued and sold upon the funding of the borrower loan #40872, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 8.45% |
Starting borrower rate/APR:
| 9.45% / 11.55% |
Starting monthly payment:
| $256.08 |
|
Final lender yield:
| 8.35% |
Final borrower rate/APR:
| 9.35% / 11.45% |
Final monthly payment:
| $255.70 |
| |
|
Auction yield range:
| 4.06% - 8.45% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.23% | | |
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:
| Jan-2002 |
Debt/Income ratio:
| 35% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 0y 7m |
|
Credit score:
| 720-739 (Feb-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,879 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 24% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| exchange-birch |
Borrower's state:
| Kansas |
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 of credit cards
Purpose of loan:
This loan will be used to?pay off my credit cards.??I?recently graduated from graduate school in May.??I was an out-of-state resident at my graduate school and, consequently, I was unable to cover all of my expenses through?federal loans and an internship.? Consequently, I?ended up charging certain?expenses such as: food, books, housing and car expenses on my credit card.?Recently, and for no apparent reason except for the new legislation regarding credit cards, my fees and interest rates have increased.? I have a wedding coming up in a little over a year and my goal is to save as much money as I can and pay off as much debt as I can before I'm married.? The reason I am asking for more than my credit card debt is to help with wedding expenses that are coming up in the next few months.
My financial situation:
I am a good candidate for this loan because?I have a stable job working for the government. During graduate school I was an intern at my current place of work for over a year.? This summer, after I graduated, they hired me full-time.? I've been there for over six months now as a full-time salaried employee, which is the amount of time necessary to complete the probationary period.? In another six months, I will be up for a raise. In addition, I have a master's degree and am in a field?that puts me on a trajectory of higher earnings.??
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What sort of government work do you do? Do you work for the federal gov't or state/local gov't? - smarva
A:
I work for the state government.
(Feb-15-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Tahoeguy | $25.00 | $25.00 | 2/8/2010 12:35:15 PM |
| famous-bill | $50.00 | $50.00 | 2/8/2010 12:36:58 PM |
| ArmyGuy | $25.00 | $25.00 | 2/8/2010 12:37:59 PM |
| unk1911 | $25.00 | $25.00 | 2/8/2010 12:38:16 PM |
| MM1207 | $25.00 | $25.00 | 2/8/2010 12:38:31 PM |
| AF-Chief | $27.00 | $27.00 | 2/8/2010 12:38:43 PM |
| DonaldColorado | $25.00 | $25.00 | 2/8/2010 12:39:59 PM |
| kmr2 | $100.00 | $100.00 | 2/8/2010 12:42:33 PM |
| important-ore | $50.00 | $50.00 | 2/8/2010 12:42:41 PM |
| impeccable-transparency | $75.00 | $75.00 | 2/8/2010 12:42:55 PM |
| lounges | $25.00 | $25.00 | 2/8/2010 12:36:53 PM |
| yarddog | $25.00 | $25.00 | 2/8/2010 12:44:09 PM |
| ebgb234 | $25.00 | $25.00 | 2/8/2010 12:44:35 PM |
| neonnurse | $25.00 | $25.00 | 2/8/2010 12:44:46 PM |
| cyberie21 | $25.00 | $25.00 | 2/8/2010 12:38:08 PM |
| mtquan | $25.00 | $25.00 | 2/8/2010 12:45:29 PM |
| loan-master996 | $50.00 | $50.00 | 2/8/2010 12:45:56 PM |
| reydrake | $25.00 | $25.00 | 2/8/2010 12:36:30 PM |
| jrbill1998 | $50.00 | $50.00 | 2/8/2010 12:46:40 PM |
| hope-eagle6 | $25.00 | $25.00 | 2/8/2010 12:39:30 PM |
| tedsrfdude | $25.00 | $25.00 | 2/8/2010 12:46:53 PM |
| IIP77 | $25.00 | $25.00 | 2/8/2010 12:37:19 PM |
| OldFriend | $25.00 | $25.00 | 2/8/2010 12:47:05 PM |
| dollar-high-five | $25.00 | $25.00 | 2/8/2010 12:37:48 PM |
| kirkjerk | $25.00 | $25.00 | 2/8/2010 12:37:51 PM |
| credible-durability | $25.00 | $25.00 | 2/8/2010 12:47:14 PM |
| balance-voyager | $100.00 | $100.00 | 2/8/2010 12:47:21 PM |
| worldly-community3 | $25.00 | $25.00 | 2/8/2010 12:48:16 PM |
| skuba | $25.00 | $25.00 | 2/8/2010 12:39:19 PM |
| brazilofmux | $100.00 | $100.00 | 2/8/2010 12:48:23 PM |
| UT-Longhorn | $25.00 | $25.00 | 2/8/2010 12:48:37 PM |
| Kierf | $25.00 | $25.00 | 2/8/2010 12:42:09 PM |
| delicious-social132 | $25.00 | $25.00 | 2/8/2010 12:42:24 PM |
| desertoasis | $25.00 | $25.00 | 2/8/2010 12:40:32 PM |
| kenji4861 | $25.00 | $25.00 | 2/8/2010 12:40:37 PM |
| anders94 | $25.00 | $25.00 | 2/8/2010 12:49:56 PM |
| GElender | $50.00 | $50.00 | 2/8/2010 12:43:11 PM |
| virtuous-bill1 | $25.00 | $25.00 | 2/8/2010 12:50:11 PM |
| inspiring-reward | $50.00 | $50.00 | 2/8/2010 12:43:14 PM |
| jigsaw | $100.00 | $100.00 | 2/8/2010 12:50:30 PM |
| torion | $25.00 | $25.00 | 2/8/2010 12:50:44 PM |
| balance6 | $25.00 | $25.00 | 2/8/2010 12:43:19 PM |
| Ranch88 | $25.00 | $25.00 | 2/8/2010 12:50:52 PM |
| Maalot20 | $25.00 | $25.00 | 2/8/2010 12:51:03 PM |
| loanfairy | $25.00 | $25.00 | 2/8/2010 12:41:21 PM |
| selfmademan | $25.00 | $25.00 | 2/8/2010 12:51:30 PM |
| cash4less | $25.00 | $25.00 | 2/8/2010 12:41:27 PM |
| top-silver-american | $25.00 | $25.00 | 2/8/2010 12:51:44 PM |
| zippy-interest | $25.00 | $25.00 | 2/8/2010 12:51:50 PM |
| Aimvest | $25.00 | $25.00 | 2/8/2010 12:51:54 PM |
| skobos8225 | $25.00 | $25.00 | 2/8/2010 12:42:12 PM |
| currency-oak | $25.00 | $25.00 | 2/8/2010 12:52:06 PM |
| Speculator | $50.00 | $50.00 | 2/8/2010 12:42:30 PM |
| TheoProf | $50.00 | $50.00 | 2/8/2010 12:52:10 PM |
| NorthernFunds | $25.00 | $25.00 | 2/8/2010 12:42:37 PM |
| PRGuyinVA | $25.00 | $25.00 | 2/8/2010 12:52:18 PM |
| fcukciti | $25.00 | $25.00 | 2/8/2010 12:52:31 PM |
| Gibbyland | $75.00 | $75.00 | 2/8/2010 12:42:44 PM |
| GrooveBiz | $50.00 | $50.00 | 2/8/2010 12:44:41 PM |
| best-phenomenal-treasure | $25.00 | $25.00 | 2/8/2010 12:52:43 PM |
| elevated-platinum5 | $50.00 | $50.00 | 2/8/2010 12:42:50 PM |
| junctionking | $25.00 | $25.00 | 2/8/2010 12:42:59 PM |
| rvtbike | $50.00 | $50.00 | 2/8/2010 12:44:57 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/8/2010 12:43:03 PM |
| Sam65 | $25.00 | $25.00 | 2/8/2010 12:45:06 PM |
| WillyP345 | $25.00 | $25.00 | 2/8/2010 12:45:20 PM |
| marathon2930 | $25.00 | $25.00 | 2/8/2010 12:44:21 PM |
| principal-kung-fu | $25.00 | $25.00 | 2/8/2010 12:45:44 PM |
| Q9-X3 | $25.00 | $25.00 | 2/8/2010 12:44:27 PM |
| Syzygy | $25.00 | $25.00 | 2/8/2010 12:45:54 PM |
| dollar-birdie | $25.00 | $25.00 | 2/8/2010 12:46:06 PM |
| Daluca | $25.00 | $25.00 | 2/8/2010 12:45:16 PM |
| gentle-note | $25.00 | $25.00 | 2/8/2010 12:46:44 PM |
| oaktown23 | $50.00 | $50.00 | 2/8/2010 12:46:58 PM |
| rlcot | $25.00 | $25.00 | 2/8/2010 12:47:08 PM |
| loan-warrior | $25.00 | $25.00 | 2/8/2010 12:46:02 PM |
| bold-principal-thinker | $25.00 | $25.00 | 2/8/2010 12:47:18 PM |
| financial-frenzy | $50.00 | $50.00 | 2/8/2010 12:46:11 PM |
| felicity-synapse | $25.00 | $25.00 | 2/8/2010 12:47:37 PM |
| MrDavid | $25.00 | $25.00 | 2/8/2010 12:46:28 PM |
| paymentologist | $25.00 | $25.00 | 2/8/2010 12:47:31 PM |
| klinebarger | $25.00 | $25.00 | 2/8/2010 12:48:07 PM |
| AndyLee | $25.00 | $25.00 | 2/8/2010 12:48:30 PM |
| trumpeter5 | $25.00 | $25.00 | 2/8/2010 12:48:32 PM |
| wonderful-return5 | $25.00 | $25.00 | 2/8/2010 12:48:50 PM |
| commerce-web5 | $25.00 | $25.00 | 2/8/2010 12:48:34 PM |
| SCD | $25.00 | $25.00 | 2/8/2010 12:48:46 PM |
| xstreamin | $25.00 | $25.00 | 2/8/2010 12:49:35 PM |
| aventurer | $25.00 | $25.00 | 2/8/2010 12:48:54 PM |
| The-CAPS-fan | $30.00 | $30.00 | 2/8/2010 12:49:16 PM |
| dsfoundation | $25.00 | $25.00 | 2/8/2010 12:50:06 PM |
| studious-listing8 | $25.00 | $25.00 | 2/8/2010 12:49:19 PM |
| cash-boots | $25.00 | $25.00 | 2/8/2010 12:50:13 PM |
| Lightlife | $50.00 | $50.00 | 2/8/2010 12:49:28 PM |
| biobulator | $25.00 | $25.00 | 2/8/2010 12:50:16 PM |
| reward-adventure | $25.00 | $25.00 | 2/8/2010 12:49:48 PM |
| newgroom422 | $25.00 | $25.00 | 2/8/2010 12:50:21 PM |
| bowdish1 | $100.00 | $100.00 | 2/8/2010 12:49:51 PM |
| ADSFL05 | $25.00 | $25.00 | 2/8/2010 12:50:27 PM |
| Petite_Rose | $25.00 | $25.00 | 2/8/2010 12:49:59 PM |
| tisgro | $25.00 | $25.00 | 2/8/2010 12:50:36 PM |
| luckyldy | $35.00 | $35.00 | 2/8/2010 12:50:09 PM |
| whistle6 | $25.00 | $25.00 | 2/8/2010 12:51:17 PM |
| auddoc | $25.00 | $25.00 | 2/8/2010 12:50:20 PM |
| tremendous-payment | $25.00 | $25.00 | 2/8/2010 12:51:27 PM |
| tntbuzz | $25.00 | $25.00 | 2/8/2010 12:50:24 PM |
| bnlforever | $25.00 | $25.00 | 2/8/2010 12:51:32 PM |
| DragonQueen | $25.00 | $25.00 | 2/8/2010 12:50:34 PM |
| peaceful-return2 | $25.00 | $25.00 | 2/8/2010 12:51:41 PM |
| kaiger | $25.00 | $25.00 | 2/8/2010 12:51:49 PM |
| machis | $25.00 | $25.00 | 2/8/2010 12:50:59 PM |
| asset-equilibrium0 | $25.00 | $25.00 | 2/8/2010 12:52:00 PM |
| red-undaunted-kindness | $100.00 | $100.00 | 2/8/2010 12:52:21 PM |
| entrelender | $25.00 | $25.00 | 2/8/2010 12:51:10 PM |
| top-commitment-champ | $25.00 | $25.00 | 2/8/2010 12:52:22 PM |
| BikPan | $25.00 | $25.00 | 2/8/2010 12:51:14 PM |
| wise-bonus-honker | $25.00 | $25.00 | 2/8/2010 12:51:20 PM |
| cspot | $25.00 | $25.00 | 2/8/2010 12:51:23 PM |
| Trimalchio12 | $25.00 | $25.00 | 2/8/2010 12:51:28 PM |
| BigBoy2008 | $25.00 | $25.00 | 2/8/2010 12:51:38 PM |
| one-midas | $25.00 | $25.00 | 2/8/2010 12:51:52 PM |
| emelia | $25.00 | $25.00 | 2/8/2010 12:51:59 PM |
| boater01 | $50.00 | $50.00 | 2/8/2010 12:52:45 PM |
| ore-dojo | $50.00 | $50.00 | 2/8/2010 1:24:04 PM |
| interstellar | $50.00 | $50.00 | 2/9/2010 10:53:23 AM |
| JerryB96 | $25.00 | $25.00 | 2/13/2010 8:43:53 PM |
| Boinky00 | $50.00 | $50.00 | 2/14/2010 1:43:55 PM |
| walabie | $25.00 | $25.00 | 2/8/2010 12:39:32 PM |
| WSTRDG | $25.00 | $25.00 | 2/8/2010 12:43:30 PM |
| rpatusa | $25.00 | $25.00 | 2/8/2010 12:44:16 PM |
| gnar | $25.00 | $25.00 | 2/8/2010 12:44:54 PM |
| Messudieh | $25.00 | $25.00 | 2/8/2010 12:45:09 PM |
| BlackFred | $25.00 | $25.00 | 2/8/2010 12:38:06 PM |
| happyskippy0208 | $25.00 | $25.00 | 2/8/2010 12:45:25 PM |
| cognizant-rate732 | $50.00 | $50.00 | 2/8/2010 12:38:26 PM |
| dime-beeper | $25.00 | $25.00 | 2/8/2010 12:36:19 PM |
| yield-hero4 | $25.00 | $25.00 | 2/8/2010 12:46:16 PM |
| wampum-chorus3 | $25.00 | $25.00 | 2/8/2010 12:37:26 PM |
| maldok1 | $25.00 | $25.00 | 2/8/2010 12:47:12 PM |
| credit-kahuna | $100.00 | $100.00 | 2/8/2010 12:47:50 PM |
| lean-velocity | $25.00 | $25.00 | 2/8/2010 12:40:57 PM |
| note-tent | $25.00 | $25.00 | 2/8/2010 12:48:11 PM |
| flopcat | $25.00 | $25.00 | 2/8/2010 12:48:18 PM |
| peso-colonel | $25.00 | $25.00 | 2/8/2010 12:41:16 PM |
| new-honorable-rate | $25.00 | $25.00 | 2/8/2010 12:39:56 PM |
| bchen78875 | $25.00 | $25.00 | 2/8/2010 12:48:45 PM |
| pledge0 | $25.00 | $25.00 | 2/8/2010 12:42:14 PM |
| dmfog | $25.00 | $25.00 | 2/8/2010 12:48:56 PM |
| larrybird | $100.00 | $100.00 | 2/8/2010 12:48:59 PM |
| Clambake | $50.00 | $50.00 | 2/8/2010 12:49:33 PM |
| bajeezus | $25.00 | $25.00 | 2/8/2010 12:49:54 PM |
| booztedgt | $25.00 | $25.00 | 2/8/2010 12:50:01 PM |
| tennispt | $25.00 | $25.00 | 2/8/2010 12:50:28 PM |
| jresu537 | $25.00 | $25.00 | 2/8/2010 12:50:32 PM |
| BillW | $25.00 | $25.00 | 2/8/2010 12:50:49 PM |
| seangw83 | $25.00 | $25.00 | 2/8/2010 12:50:58 PM |
| monticello78 | $50.00 | $50.00 | 2/8/2010 12:51:06 PM |
| the-aggresive-principal | $25.00 | $25.00 | 2/8/2010 12:41:24 PM |
| scoobiedoo | $25.00 | $25.00 | 2/8/2010 12:51:31 PM |
| riproaringrapids | $25.00 | $25.00 | 2/8/2010 12:41:31 PM |
| 30Sky | $25.00 | $25.00 | 2/8/2010 12:51:46 PM |
| market-path | $50.00 | $50.00 | 2/8/2010 12:51:53 PM |
| friendly-market5 | $25.00 | $25.00 | 2/8/2010 12:52:04 PM |
| psztnrw | $100.00 | $100.00 | 2/8/2010 12:44:13 PM |
| Avala | $50.00 | $50.00 | 2/8/2010 12:52:08 PM |
| heng2x | $25.00 | $25.00 | 2/8/2010 12:52:16 PM |
| Fiimg | $50.00 | $50.00 | 2/8/2010 12:52:28 PM |
| kegs | $100.00 | $100.00 | 2/8/2010 12:52:38 PM |
| Cai8899 | $50.00 | $50.00 | 2/8/2010 12:42:49 PM |
| Josta | $50.00 | $5.98 | 2/8/2010 12:52:46 PM |
| TeamRamRod | $25.00 | $25.00 | 2/8/2010 12:43:26 PM |
| DUDE66 | $50.00 | $50.00 | 2/8/2010 12:45:12 PM |
| miked8303 | $25.00 | $25.00 | 2/8/2010 12:45:33 PM |
| reueljw | $25.00 | $25.00 | 2/8/2010 12:45:45 PM |
| restech | $25.00 | $25.00 | 2/8/2010 12:44:45 PM |
| keeks | $25.00 | $25.00 | 2/8/2010 12:44:52 PM |
| integrity-doctor | $50.00 | $50.00 | 2/8/2010 12:46:22 PM |
| kanakakm | $25.00 | $25.00 | 2/8/2010 12:46:29 PM |
| shoedds | $25.00 | $25.00 | 2/8/2010 12:45:22 PM |
| elephantparty | $25.00 | $25.00 | 2/8/2010 12:46:51 PM |
| sk8ndive | $25.00 | $25.00 | 2/8/2010 12:45:38 PM |
| bill-expert | $25.00 | $25.00 | 2/8/2010 12:47:02 PM |
| falcon88dp | $25.00 | $25.00 | 2/8/2010 12:45:59 PM |
| punctual-power7 | $25.00 | $25.00 | 2/8/2010 12:47:42 PM |
| enb3 | $25.00 | $25.00 | 2/8/2010 12:46:34 PM |
| upbeat-investment9 | $25.00 | $25.00 | 2/8/2010 12:46:47 PM |
| hitsman | $50.00 | $50.00 | 2/8/2010 12:48:01 PM |
| HamachiMan | $25.00 | $25.00 | 2/8/2010 12:47:25 PM |
| duty-monger | $50.00 | $50.00 | 2/8/2010 12:48:06 PM |
| Pizza-man | $50.00 | $50.00 | 2/8/2010 12:47:45 PM |
| techvet | $25.00 | $25.00 | 2/8/2010 12:48:14 PM |
| E_G | $30.00 | $30.00 | 2/8/2010 12:47:48 PM |
| payout-achievement | $40.00 | $40.00 | 2/8/2010 12:47:53 PM |
| NDFIRTH | $50.00 | $50.00 | 2/8/2010 12:48:27 PM |
| wayman | $50.00 | $50.00 | 2/8/2010 12:48:00 PM |
| promiser200 | $25.00 | $25.00 | 2/8/2010 12:48:41 PM |
| peerlender | $30.00 | $30.00 | 2/8/2010 12:48:25 PM |
| red-trade-cologne | $25.00 | $25.00 | 2/8/2010 12:48:38 PM |
| commitment-forte6 | $25.00 | $25.00 | 2/8/2010 12:49:12 PM |
| gulch | $25.00 | $25.00 | 2/8/2010 12:48:47 PM |
| Prosp_Lender | $50.00 | $50.00 | 2/8/2010 12:48:52 PM |
| hyetech | $35.00 | $35.00 | 2/8/2010 12:49:44 PM |
| crazycool | $25.00 | $25.00 | 2/8/2010 12:49:06 PM |
| tom48l | $25.00 | $25.00 | 2/8/2010 12:49:46 PM |
| cybernosha | $100.00 | $100.00 | 2/8/2010 12:50:08 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 2/8/2010 12:49:24 PM |
| ThomasCrown | $30.00 | $30.00 | 2/8/2010 12:49:40 PM |
| t2smoney | $25.00 | $25.00 | 2/8/2010 12:50:18 PM |
| Carpetkid | $25.00 | $25.00 | 2/8/2010 12:49:49 PM |
| XC27 | $25.00 | $25.00 | 2/8/2010 12:50:25 PM |
| cpaphoto | $25.00 | $25.00 | 2/8/2010 12:49:58 PM |
| gjh37 | $25.00 | $25.00 | 2/8/2010 12:50:29 PM |
| Domgabriel | $25.00 | $25.00 | 2/8/2010 12:50:04 PM |
| investor7257 | $25.00 | $25.00 | 2/8/2010 12:50:54 PM |
| Creative_Outlet | $25.00 | $25.00 | 2/8/2010 12:50:17 PM |
| Mrphlox | $25.00 | $25.00 | 2/8/2010 12:51:18 PM |
| mulberry4 | $25.00 | $25.00 | 2/8/2010 12:50:22 PM |
| bonafide-cash | $50.00 | $50.00 | 2/8/2010 12:50:31 PM |
| djindepth | $25.00 | $25.00 | 2/8/2010 12:50:38 PM |
| OTtherapy | $25.00 | $25.00 | 2/8/2010 12:50:56 PM |
| money-maniac | $50.00 | $50.00 | 2/8/2010 12:51:57 PM |
| ruralite | $25.00 | $25.00 | 2/8/2010 12:51:01 PM |
| helpinghand75 | $25.00 | $25.00 | 2/8/2010 12:52:13 PM |
| Katahdin | $25.00 | $25.00 | 2/8/2010 12:51:08 PM |
| mid | $25.00 | $25.00 | 2/8/2010 12:51:12 PM |
| foxy-fund | $50.00 | $50.00 | 2/8/2010 12:52:40 PM |
| OgOman | $50.00 | $50.00 | 2/8/2010 12:51:15 PM |
| cpblue79 | $100.00 | $100.00 | 2/8/2010 12:51:21 PM |
| invest0r | $25.00 | $25.00 | 2/8/2010 12:51:25 PM |
| harmonious-revenue7 | $25.00 | $25.00 | 2/8/2010 12:51:35 PM |
| Archchancellor | $25.00 | $25.00 | 2/8/2010 12:51:48 PM |
| best-deal-banker | $25.00 | $25.00 | 2/8/2010 12:51:56 PM |
| community-broadcaster | $25.00 | $25.00 | 2/8/2010 12:52:01 PM |
| ocho | $25.00 | $25.00 | 2/8/2010 12:52:34 PM |
| the-bright-velocity | $25.00 | $25.00 | 2/9/2010 11:44:24 AM |
| ujiba | $25.00 | $25.00 | 2/9/2010 4:17:34 PM |
| rustysailor | $25.00 | $25.00 | 2/10/2010 2:40:44 PM |
| persistent-value3 | $37.02 | $37.02 | 2/15/2010 6:11:19 AM |
| 238 bids
|
Borrower Payment Dependent Notes Series
446092
This series of Notes was issued and sold upon the funding of the borrower loan #40882, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,600.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Feb-09-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 14.05% |
Starting borrower rate/APR:
| 15.05% / 17.22% |
Starting monthly payment:
| $298.33 |
|
Final lender yield:
| 13.85% |
Final borrower rate/APR:
| 14.85% / 17.02% |
Final monthly payment:
| $297.49 |
| |
|
Auction yield range:
| 6.06% - 14.05% |
Estimated loss impact:
| 5.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.62% | | |
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-1980 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
4 | Length of status: | 7y 5m |
|
Credit score:
| 720-739 (Feb-2010) |
Total credit lines:
| 17 |
Occupation: | Food Service Manage... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,732 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 53% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| tireyear48 |
Borrower's state:
| Minnesota |
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:
| 7 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 700-719
(May-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Great Job/Bad Decisions
Purpose of loan:
This loan will be used to pay off a high interest loan.
My financial situation:
I am a good candidate for this loan because I am securely employed and have never missed a payment on any of my bills.? I?desire?to?pay off this loan and wish to get on a path of financial stability.?
Monthly net income: $ 2724.00
Monthly expenses: $
??Housing: $ 670.00
??Insurance: $ 63.00
??Car expenses: $ 120.00
??Utilities: $?23.00
??Phone, cable, internet: $ 93.00
??Food, entertainment: $ 120.00
??Clothing, household expenses $ 60.00
??Credit cards and other loans: $?1190
??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) |
|
| souperrich | $25.00 | $25.00 | 2/9/2010 4:07:32 PM |
| reward-walnut | $25.00 | $25.00 | 2/9/2010 4:10:46 PM |
| BabyLender | $25.00 | $25.00 | 2/9/2010 4:10:39 PM |
| burrito6 | $25.00 | $25.00 | 2/9/2010 4:15:15 PM |
| sophisticated-ore | $200.00 | $200.00 | 2/9/2010 4:15:45 PM |
| skuba | $25.00 | $25.00 | 2/9/2010 4:19:00 PM |
| cloud8 | $30.00 | $30.00 | 2/9/2010 4:19:14 PM |
| desertoasis | $25.00 | $25.00 | 2/9/2010 4:19:39 PM |
| new-honorable-rate | $25.00 | $25.00 | 2/9/2010 4:19:18 PM |
| radforj22 | $25.00 | $25.00 | 2/9/2010 4:22:01 PM |
| trade-trumpet | $25.00 | $25.00 | 2/9/2010 4:23:22 PM |
| rpatusa | $25.00 | $25.00 | 2/9/2010 4:20:54 PM |
| supreme-bonus0 | $25.00 | $25.00 | 2/9/2010 4:22:28 PM |
| Phantom99 | $25.00 | $25.00 | 2/9/2010 4:24:30 PM |
| flexible-value | $25.00 | $25.00 | 2/9/2010 4:24:09 PM |
| calm-deal7 | $25.00 | $25.00 | 2/9/2010 4:24:41 PM |
| melodious-fairness | $25.00 | $25.00 | 2/9/2010 4:26:54 PM |
| jga516 | $25.00 | $25.00 | 2/9/2010 4:29:37 PM |
| KLVLOPZ64 | $25.00 | $25.00 | 2/9/2010 4:27:48 PM |
| peso-colonel | $90.00 | $90.00 | 2/9/2010 4:28:21 PM |
| GlobalVisionary | $25.00 | $25.00 | 2/9/2010 4:28:49 PM |
| orgy63 | $25.00 | $25.00 | 2/9/2010 4:31:05 PM |
| PeterV | $25.00 | $25.00 | 2/9/2010 4:29:35 PM |
| loanfairy | $25.00 | $25.00 | 2/9/2010 4:28:26 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/9/2010 4:29:46 PM |
| cardan97 | $25.00 | $25.00 | 2/9/2010 4:28:46 PM |
| ChicagoBoyz | $25.00 | $25.00 | 2/9/2010 4:28:53 PM |
| theprince | $25.00 | $25.00 | 2/9/2010 4:29:59 PM |
| MarinLoans | $50.00 | $50.00 | 2/9/2010 4:28:55 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 2/9/2010 4:32:42 PM |
| forthright-dedication | $50.00 | $50.00 | 2/9/2010 4:31:02 PM |
| progressive-asset | $100.00 | $100.00 | 2/9/2010 4:31:13 PM |
| Supernick | $50.00 | $50.00 | 2/9/2010 4:33:06 PM |
| niskyfranchise | $25.00 | $25.00 | 2/9/2010 4:31:40 PM |
| elegant-bonus | $25.00 | $25.00 | 2/9/2010 4:31:59 PM |
| important-ore | $50.00 | $50.00 | 2/9/2010 4:33:52 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 2/9/2010 4:32:05 PM |
| nourishing-interest0 | $25.00 | $25.00 | 2/9/2010 4:30:42 PM |
| Kaj | $25.00 | $25.00 | 2/9/2010 4:32:14 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/9/2010 4:34:19 PM |
| TeamRamRod | $25.00 | $25.00 | 2/9/2010 4:34:37 PM |
| bold-bright-currency | $25.00 | $25.00 | 2/9/2010 4:31:31 PM |
| Sam65 | $25.00 | $25.00 | 2/9/2010 4:34:57 PM |
| mtquan | $25.00 | $25.00 | 2/9/2010 4:35:02 PM |
| MM1207 | $25.00 | $25.00 | 2/9/2010 4:33:21 PM |
| auction-turbine4 | $25.00 | $25.00 | 2/9/2010 4:31:54 PM |
| falcon88dp | $25.00 | $25.00 | 2/9/2010 4:35:14 PM |
| personal-lender | $25.00 | $25.00 | 2/9/2010 4:32:12 PM |
| tedsrfdude | $25.00 | $25.00 | 2/9/2010 4:35:48 PM |
| maldok1 | $25.00 | $25.00 | 2/9/2010 4:35:58 PM |
| DUDE66 | $50.00 | $50.00 | 2/9/2010 4:34:59 PM |
| miked8303 | $25.00 | $25.00 | 2/9/2010 4:35:06 PM |
| loan-master996 | $50.00 | $50.00 | 2/9/2010 4:35:09 PM |
| wayman | $50.00 | $50.00 | 2/9/2010 4:36:45 PM |
| duty-monger | $50.00 | $50.00 | 2/9/2010 4:36:54 PM |
| Gibbyland | $75.00 | $75.00 | 2/9/2010 4:33:56 PM |
| klinebarger | $25.00 | $25.00 | 2/9/2010 4:36:57 PM |
| MrDavid | $25.00 | $25.00 | 2/9/2010 4:35:33 PM |
| peerlender | $30.00 | $30.00 | 2/9/2010 4:37:12 PM |
| jrbill1998 | $50.00 | $50.00 | 2/9/2010 4:35:40 PM |
| commerce-web5 | $25.00 | $25.00 | 2/9/2010 4:37:22 PM |
| upbeat-investment9 | $25.00 | $25.00 | 2/9/2010 4:35:44 PM |
| wonderful-return5 | $25.00 | $25.00 | 2/9/2010 4:37:39 PM |
| dmfog | $25.00 | $25.00 | 2/9/2010 4:37:50 PM |
| commitment-forte6 | $25.00 | $25.00 | 2/9/2010 4:38:00 PM |
| The-CAPS-fan | $30.00 | $30.00 | 2/9/2010 4:38:04 PM |
| payout-achievement | $40.00 | $40.00 | 2/9/2010 4:36:41 PM |
| punctual-power7 | $25.00 | $25.00 | 2/9/2010 4:36:21 PM |
| newgroom422 | $25.00 | $25.00 | 2/9/2010 4:39:15 PM |
| UT-Longhorn | $25.00 | $25.00 | 2/9/2010 4:37:25 PM |
| hitsman | $50.00 | $50.00 | 2/9/2010 4:36:48 PM |
| aventurer | $25.00 | $25.00 | 2/9/2010 4:37:46 PM |
| flopcat | $25.00 | $25.00 | 2/9/2010 4:37:03 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 2/9/2010 4:38:09 PM |
| Prosp_Lender | $50.00 | $50.00 | 2/9/2010 4:37:43 PM |
| tom48l | $25.00 | $25.00 | 2/9/2010 4:38:29 PM |
| ThomasCrown | $30.00 | $30.00 | 2/9/2010 4:38:23 PM |
| anders94 | $25.00 | $25.00 | 2/9/2010 4:38:54 PM |
| cpaphoto | $25.00 | $25.00 | 2/9/2010 4:38:58 PM |
| Carpetkid | $25.00 | $25.00 | 2/9/2010 4:38:41 PM |
| bowdish1 | $100.00 | $100.00 | 2/9/2010 4:38:44 PM |
| virtuous-bill1 | $25.00 | $25.00 | 2/9/2010 4:39:13 PM |
| jigsaw | $100.00 | $100.00 | 2/9/2010 4:39:34 PM |
| Ranch88 | $25.00 | $25.00 | 2/9/2010 4:39:53 PM |
| bonafide-cash | $50.00 | $50.00 | 2/9/2010 4:39:37 PM |
| investor7257 | $25.00 | $9.23 | 2/9/2010 4:39:57 PM |
| djindepth | $25.00 | $25.00 | 2/9/2010 4:39:43 PM |
| lucrative-loan | $50.00 | $50.00 | 2/9/2010 4:49:35 PM |
| durability-halibut | $25.00 | $25.00 | 2/9/2010 4:47:20 PM |
| jetblack | $50.00 | $50.00 | 2/9/2010 4:48:22 PM |
| wwwUniversal | $25.00 | $25.00 | 2/9/2010 5:25:12 PM |
| GyJAV_BNCCo | $30.00 | $30.00 | 2/9/2010 5:25:27 PM |
| SOP_Bank | $25.00 | $25.00 | 2/9/2010 6:53:51 PM |
| vutah | $25.00 | $25.00 | 2/9/2010 7:45:30 PM |
| szetheli | $156.00 | $156.00 | 2/9/2010 9:37:46 PM |
| lender12345 | $25.00 | $25.00 | 2/10/2010 6:31:01 PM |
| dbanwart | $50.00 | $50.00 | 2/11/2010 12:18:25 PM |
| TheSpottedFlamingo | $25.00 | $25.00 | 2/12/2010 10:45:40 AM |
| spiff666 | $25.00 | $25.00 | 2/12/2010 5:16:23 PM |
| Philman | $25.00 | $25.00 | 2/12/2010 7:30:15 PM |
| ME-Entrepreneur | $25.00 | $25.00 | 2/12/2010 4:51:16 PM |
| grammaspurse | $25.00 | $25.00 | 2/13/2010 7:29:51 PM |
| labyrinth0 | $28.43 | $28.43 | 2/13/2010 7:17:43 PM |
| honorable-yield | $50.00 | $50.00 | 2/9/2010 4:08:39 PM |
| UncleTupelo2 | $25.00 | $25.00 | 2/9/2010 4:10:27 PM |
| wampum-chorus3 | $25.00 | $25.00 | 2/9/2010 4:14:10 PM |
| ThisGuyIKnow | $27.56 | $27.56 | 2/9/2010 4:12:32 PM |
| selector568 | $300.00 | $300.00 | 2/9/2010 4:12:25 PM |
| movistar | $25.00 | $25.00 | 2/9/2010 4:16:06 PM |
| the-aggresive-principal | $25.00 | $25.00 | 2/9/2010 4:19:51 PM |
| rock-turner | $100.00 | $100.00 | 2/9/2010 4:17:12 PM |
| riproaringrapids | $25.00 | $25.00 | 2/9/2010 4:19:58 PM |
| Havana21 | $25.00 | $25.00 | 2/9/2010 4:22:57 PM |
| supreme-hope | $25.00 | $25.00 | 2/9/2010 4:23:57 PM |
| gracej | $25.00 | $25.00 | 2/9/2010 4:24:20 PM |
| inspired-contract9 | $25.00 | $25.00 | 2/9/2010 4:24:47 PM |
| PocketAces | $25.00 | $25.00 | 2/9/2010 4:25:09 PM |
| blooming-market | $25.00 | $25.00 | 2/9/2010 4:23:30 PM |
| payout-point | $48.41 | $48.41 | 2/9/2010 4:24:45 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/9/2010 4:23:54 PM |
| reflective-cash0 | $100.00 | $100.00 | 2/9/2010 4:24:14 PM |
| glimmering-point | $25.00 | $25.00 | 2/9/2010 4:27:40 PM |
| OCedHrt | $25.00 | $25.00 | 2/9/2010 4:25:24 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/9/2010 4:25:30 PM |
| AF-Chief | $28.00 | $28.00 | 2/9/2010 4:28:13 PM |
| duty-sensai | $25.00 | $25.00 | 2/9/2010 4:28:31 PM |
| onlyastepaway | $25.00 | $25.00 | 2/9/2010 4:28:44 PM |
| fishintime | $25.00 | $25.00 | 2/9/2010 4:25:37 PM |
| commerce-voyager | $25.00 | $25.00 | 2/9/2010 4:29:41 PM |
| LandE2BG | $25.00 | $25.00 | 2/9/2010 4:30:28 PM |
| macjp123 | $25.00 | $25.00 | 2/9/2010 4:30:31 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/9/2010 4:30:59 PM |
| Rick7925 | $25.00 | $25.00 | 2/9/2010 4:29:16 PM |
| credit-force5 | $25.00 | $25.00 | 2/9/2010 4:31:19 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/9/2010 4:31:43 PM |
| Fortuno_per_commodo | $25.00 | $25.00 | 2/9/2010 4:31:53 PM |
| kulender | $25.00 | $25.00 | 2/9/2010 4:29:58 PM |
| lloyd_s | $25.00 | $25.00 | 2/9/2010 4:32:21 PM |
| time4aloan | $50.00 | $50.00 | 2/9/2010 4:32:34 PM |
| rooosta | $25.00 | $25.00 | 2/9/2010 4:32:39 PM |
| LiquidLender | $25.00 | $25.00 | 2/9/2010 4:31:08 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/9/2010 4:32:59 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/9/2010 4:30:02 PM |
| credit-solstice | $25.00 | $25.00 | 2/9/2010 4:31:36 PM |
| br4444 | $25.00 | $25.00 | 2/9/2010 4:30:06 PM |
| social-conductor4 | $25.00 | $25.00 | 2/9/2010 4:30:22 PM |
| intently | $25.00 | $25.00 | 2/9/2010 4:30:26 PM |
| NorthernFunds | $25.00 | $25.00 | 2/9/2010 4:33:47 PM |
| TennSquire | $25.00 | $25.00 | 2/9/2010 4:30:35 PM |
| cvfriend | $25.00 | $25.00 | 2/9/2010 4:30:39 PM |
| treasure-bliss | $100.00 | $100.00 | 2/9/2010 4:30:48 PM |
| currency-agave | $25.00 | $25.00 | 2/9/2010 4:30:54 PM |
| GElender | $50.00 | $50.00 | 2/9/2010 4:34:25 PM |
| tsui517 | $25.00 | $25.00 | 2/9/2010 4:32:48 PM |
| THREE-POINTS-LENDING | $25.00 | $25.00 | 2/9/2010 4:31:21 PM |
| psztnrw | $100.00 | $100.00 | 2/9/2010 4:34:41 PM |
| BumblingStunmbling | $25.00 | $25.00 | 2/9/2010 4:31:23 PM |
| life-is-great | $25.00 | $25.00 | 2/9/2010 4:31:26 PM |
| famous-bill | $50.00 | $50.00 | 2/9/2010 4:33:17 PM |
| benefit-squirrel | $30.00 | $30.00 | 2/9/2010 4:32:01 PM |
| financial-frenzy | $50.00 | $50.00 | 2/9/2010 4:35:25 PM |
| elevated-platinum5 | $50.00 | $50.00 | 2/9/2010 4:34:02 PM |
| value-pole | $25.00 | $25.00 | 2/9/2010 4:32:26 PM |
| enb3 | $25.00 | $25.00 | 2/9/2010 4:35:38 PM |
| bill-expert | $25.00 | $25.00 | 2/9/2010 4:35:54 PM |
| paymentologist | $25.00 | $25.00 | 2/9/2010 4:36:07 PM |
| ebgb234 | $25.00 | $25.00 | 2/9/2010 4:34:47 PM |
| delicious-social132 | $25.00 | $25.00 | 2/9/2010 4:33:37 PM |
| rvtbike | $50.00 | $50.00 | 2/9/2010 4:34:53 PM |
| Speculator | $50.00 | $50.00 | 2/9/2010 4:33:41 PM |
| kmr2 | $100.00 | $100.00 | 2/9/2010 4:33:44 PM |
| E_G | $30.00 | $30.00 | 2/9/2010 4:36:30 PM |
| credit-kahuna | $100.00 | $100.00 | 2/9/2010 4:36:35 PM |
| loan-warrior | $25.00 | $25.00 | 2/9/2010 4:35:17 PM |
| dollar-birdie | $25.00 | $25.00 | 2/9/2010 4:35:21 PM |
| Cai8899 | $50.00 | $50.00 | 2/9/2010 4:33:59 PM |
| impeccable-transparency | $75.00 | $75.00 | 2/9/2010 4:34:09 PM |
| kanakakm | $25.00 | $25.00 | 2/9/2010 4:35:35 PM |
| junctionking | $25.00 | $25.00 | 2/9/2010 4:34:14 PM |
| inspiring-reward | $50.00 | $50.00 | 2/9/2010 4:34:28 PM |
| balance6 | $25.00 | $25.00 | 2/9/2010 4:34:31 PM |
| bchen78875 | $25.00 | $25.00 | 2/9/2010 4:37:30 PM |
| Pizza-man | $50.00 | $50.00 | 2/9/2010 4:36:26 PM |
| integrity-doctor | $50.00 | $50.00 | 2/9/2010 4:35:28 PM |
| Clambake | $50.00 | $50.00 | 2/9/2010 4:38:14 PM |
| reward-adventure | $25.00 | $25.00 | 2/9/2010 4:38:35 PM |
| brazilofmux | $100.00 | $100.00 | 2/9/2010 4:37:09 PM |
| Petite_Rose | $25.00 | $25.00 | 2/9/2010 4:39:02 PM |
| HamachiMan | $25.00 | $25.00 | 2/9/2010 4:36:03 PM |
| trumpeter5 | $25.00 | $25.00 | 2/9/2010 4:37:20 PM |
| felicity-synapse | $25.00 | $25.00 | 2/9/2010 4:36:14 PM |
| tntbuzz | $25.00 | $25.00 | 2/9/2010 4:39:19 PM |
| gulch | $25.00 | $25.00 | 2/9/2010 4:37:36 PM |
| note-tent | $25.00 | $25.00 | 2/9/2010 4:36:59 PM |
| larrybird | $100.00 | $100.00 | 2/9/2010 4:37:54 PM |
| crazycool | $25.00 | $25.00 | 2/9/2010 4:37:58 PM |
| NDFIRTH | $50.00 | $50.00 | 2/9/2010 4:37:15 PM |
| hyetech | $35.00 | $35.00 | 2/9/2010 4:38:26 PM |
| xstreamin | $25.00 | $25.00 | 2/9/2010 4:38:18 PM |
| bajeezus | $25.00 | $25.00 | 2/9/2010 4:38:48 PM |
| luckyldy | $35.00 | $35.00 | 2/9/2010 4:39:08 PM |
| gjh37 | $25.00 | $25.00 | 2/9/2010 4:39:29 PM |
| torion | $25.00 | $25.00 | 2/9/2010 4:39:46 PM |
| dollardave | $100.00 | $100.00 | 2/9/2010 4:47:37 PM |
| zento | $25.00 | $25.00 | 2/9/2010 5:03:26 PM |
| minista | $25.00 | $25.00 | 2/9/2010 5:00:57 PM |
| rdrloan | $25.00 | $25.00 | 2/9/2010 4:51:19 PM |
| worth-victor6 | $25.00 | $25.00 | 2/9/2010 5:05:07 PM |
| new-smart-fund | $200.00 | $200.00 | 2/9/2010 7:04:19 PM |
| LendingSingularity | $47.37 | $47.37 | 2/9/2010 10:56:41 PM |
| LendingSingularity | $50.00 | $50.00 | 2/9/2010 10:54:30 PM |
| Sol_Invictus | $25.00 | $25.00 | 2/10/2010 8:36:01 AM |
| dollardave | $75.00 | $75.00 | 2/10/2010 11:00:39 AM |
| impartial-deal | $25.00 | $25.00 | 2/10/2010 12:14:15 PM |
| JCMC | $25.00 | $25.00 | 2/10/2010 7:43:27 PM |
| riveting-currency | $50.00 | $50.00 | 2/11/2010 9:57:34 AM |
| slgilligan | $50.00 | $50.00 | 2/11/2010 7:23:49 PM |
| economy-popcorn | $25.00 | $25.00 | 2/12/2010 2:17:42 PM |
| vine99 | $65.00 | $65.00 | 2/13/2010 11:22:03 AM |
| sunshinysmiles | $25.00 | $25.00 | 2/13/2010 12:52:47 PM |
| 3am-preacher | $25.00 | $25.00 | 2/14/2010 8:11:45 AM |
| preventivepestcontrol | $100.00 | $100.00 | 2/14/2010 11:28:18 PM |
| 222 bids
|
Borrower Payment Dependent Notes Series
446474
This series of Notes was issued and sold upon the funding of the borrower loan #40885, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Feb-11-2010 |
| |
Auction end date:
| Feb-14-2010 |
|
|
Starting lender yield:
| 16.50% |
Starting borrower rate/APR:
| 17.50% / 19.70% |
Starting monthly payment:
| $269.27 |
|
Final lender yield:
| 9.20% |
Final borrower rate/APR:
| 10.20% / 12.31% |
Final monthly payment:
| $242.71 |
| |
|
Auction yield range:
| 4.06% - 16.50% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
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:
| Jan-2006 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 8y 1m |
|
Credit score:
| 700-719 (Jan-2010) |
Total credit lines:
| 12 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,518 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
|
Public records last 12m / 10y:
| 0/ 5 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Arimanes |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 700-719
(Aug-2008)
|
|
Principal balance:
| $2,794.89 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to????Pay off?all my credit cards??????
My financial situation:
I am a good candidate for this loan because? I am a hardworking, reliable Air Force retiree.? My income is approximately 63,000 per year.? My spouse, whom I have been married to for 26 years, also has an income not included here.? I am willing to do anything to keep my credit in good standing.? Additional background:? The Prosper family was generous enough to fund a loan for me in the past 2 years.? I have never been late on this loan nor on any payments ANYWHERE in the past 6 years.? The Prosper loan was for my daughters wedding, which went very well.? Thanks Prosper.?
Put your money on me, and you will receive?the excellent returns you deserve.? Thanks for your consideration,
Monthly net income: $ 4200
Monthly expenses: $ 2785.00
??Housing: $ 475.00????
??Insurance: $ 150.00????
??Car expenses: $ 795.00
??Utilities: $ 120.00????
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 570.00
??Other expenses:
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| livingaloha | $25.00 | $25.00 | 2/11/2010 4:15:38 PM |
| keeminn | $50.00 | $50.00 | 2/11/2010 4:16:04 PM |
| aue513 | $25.00 | $25.00 | 2/11/2010 4:16:06 PM |
| Aeroman32 | $25.00 | $25.00 | 2/11/2010 4:17:39 PM |
| mikrolown | $25.00 | $25.00 | 2/11/2010 4:18:03 PM |
| riproaringrapids | $25.00 | $25.00 | 2/11/2010 4:19:03 PM |
| reueljw | $25.00 | $25.00 | 2/11/2010 4:19:34 PM |
| Trolley08 | $25.00 | $25.00 | 2/11/2010 4:15:32 PM |
| WSTRDG | $25.00 | $25.00 | 2/11/2010 4:15:40 PM |
| SVPInvestments | $25.00 | $25.00 | 2/11/2010 4:16:04 PM |
| HamachiMan | $25.00 | $25.00 | 2/11/2010 4:21:58 PM |
| peripatetic | $25.00 | $25.00 | 2/11/2010 4:17:26 PM |
| UncleTupelo2 | $25.00 | $25.00 | 2/11/2010 4:17:31 PM |
| green-glowing-gain | $25.00 | $25.00 | 2/11/2010 4:18:04 PM |
| michael573114 | $25.00 | $25.00 | 2/11/2010 4:15:31 PM |
| atwaterville | $50.00 | $50.00 | 2/11/2010 4:15:36 PM |
| mid | $25.00 | $25.00 | 2/11/2010 4:15:42 PM |
| red-relentless-money | $50.00 | $50.00 | 2/11/2010 4:16:05 PM |
| BigCityLending | $25.00 | $25.00 | 2/11/2010 4:25:13 PM |
| desertoasis | $25.00 | $25.00 | 2/11/2010 4:25:36 PM |
| financialsteward123 | $25.00 | $25.00 | 2/11/2010 4:26:25 PM |
| Pasagam | $25.00 | $25.00 | 2/11/2010 4:17:54 PM |
| abeprof70 | $25.00 | $25.00 | 2/11/2010 4:18:06 PM |
| AF-Chief | $28.00 | $28.00 | 2/11/2010 4:21:07 PM |
| PeopleHelpers | $50.00 | $50.00 | 2/11/2010 4:21:26 PM |
| CAGE-Investments | $28.95 | $28.95 | 2/11/2010 4:21:29 PM |
| Fortuno_per_commodo | $25.00 | $25.00 | 2/11/2010 4:21:33 PM |
| note-tent | $25.00 | $25.00 | 2/11/2010 4:22:00 PM |
| the-aggresive-principal | $25.00 | $25.00 | 2/11/2010 4:19:01 PM |
| radforj22 | $25.00 | $25.00 | 2/11/2010 4:29:43 PM |
| bazaar-utensil7 | $25.00 | $25.00 | 2/11/2010 4:21:24 PM |
| blissful-note7 | $25.00 | $25.00 | 2/11/2010 4:21:31 PM |
| TeamRamRod | $25.00 | $25.00 | 2/11/2010 4:21:46 PM |
| ebgb234 | $25.00 | $25.00 | 2/11/2010 4:21:53 PM |
| bajeezus | $25.00 | $25.00 | 2/11/2010 4:22:06 PM |
| entrelender | $25.00 | $25.00 | 2/11/2010 4:25:32 PM |
| aasx1108 | $25.00 | $25.00 | 2/11/2010 4:26:27 PM |
| commerce-voyager | $25.00 | $25.00 | 2/11/2010 4:31:59 PM |
| social-conductor4 | $25.00 | $25.00 | 2/11/2010 4:32:10 PM |
| cybernosha | $28.80 | $28.80 | 2/11/2010 4:27:04 PM |
| progressive-asset | $100.00 | $100.00 | 2/11/2010 4:32:57 PM |
| Kulchar | $50.00 | $50.00 | 2/11/2010 4:33:06 PM |
| Cheburashka | $25.00 | $25.00 | 2/11/2010 4:25:22 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/11/2010 4:33:31 PM |
| icecoldcash | $59.25 | $59.25 | 2/11/2010 4:25:33 PM |
| benefit-squirrel | $30.00 | $30.00 | 2/11/2010 4:33:39 PM |
| charming-dime | $25.00 | $25.00 | 2/11/2010 4:25:42 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 2/11/2010 4:33:47 PM |
| bold-principal-thinker | $25.00 | $25.00 | 2/11/2010 4:25:47 PM |
| Syzygy | $25.00 | $25.00 | 2/11/2010 4:27:00 PM |
| NorthernFunds | $25.00 | $25.00 | 2/11/2010 4:35:27 PM |
| sophisticated-ore | $200.00 | $200.00 | 2/11/2010 4:29:11 PM |
| Rick7925 | $25.00 | $25.00 | 2/11/2010 4:31:54 PM |
| rock-turner | $50.00 | $50.00 | 2/11/2010 4:29:21 PM |
| Pizza-man | $50.00 | $50.00 | 2/11/2010 4:36:55 PM |
| wayman | $50.00 | $50.00 | 2/11/2010 4:37:06 PM |
| klinebarger | $25.00 | $25.00 | 2/11/2010 4:37:20 PM |
| LandE2BG | $25.00 | $25.00 | 2/11/2010 4:32:13 PM |
| supreme-bonus0 | $25.00 | $25.00 | 2/11/2010 4:30:01 PM |
| orgy63 | $25.00 | $25.00 | 2/11/2010 4:32:44 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/11/2010 4:30:33 PM |
| reflective-cash0 | $99.49 | $99.49 | 2/11/2010 4:30:50 PM |
| xstreamin | $25.00 | $25.00 | 2/11/2010 4:38:23 PM |
| tom48l | $25.00 | $25.00 | 2/11/2010 4:38:33 PM |
| cpaphoto | $25.00 | $25.00 | 2/11/2010 4:38:52 PM |
| lloyd_s | $25.00 | $25.00 | 2/11/2010 4:34:27 PM |
| Domgabriel | $25.00 | $25.00 | 2/11/2010 4:38:57 PM |
| rooosta | $25.00 | $25.00 | 2/11/2010 4:34:49 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/11/2010 4:32:33 PM |
| Speculator | $50.00 | $50.00 | 2/11/2010 4:35:20 PM |
| elevated-platinum5 | $50.00 | $50.00 | 2/11/2010 4:35:36 PM |
| bold-bright-currency | $25.00 | $25.00 | 2/11/2010 4:33:07 PM |
| inspiring-reward | $50.00 | $50.00 | 2/11/2010 4:35:57 PM |
| dollar-birdie | $25.00 | $25.00 | 2/11/2010 4:36:19 PM |
| Kaj | $25.00 | $25.00 | 2/11/2010 4:34:11 PM |
| maldok1 | $25.00 | $25.00 | 2/11/2010 4:36:41 PM |
| paymentologist | $25.00 | $25.00 | 2/11/2010 4:36:47 PM |
| value-pole | $25.00 | $25.00 | 2/11/2010 4:34:33 PM |
| punctual-power7 | $25.00 | $25.00 | 2/11/2010 4:36:52 PM |
| kmr2 | $100.00 | $100.00 | 2/11/2010 4:35:24 PM |
| bchen78875 | $25.00 | $25.00 | 2/11/2010 4:37:46 PM |
| Prosp_Lender | $50.00 | $50.00 | 2/11/2010 4:37:54 PM |
| impeccable-transparency | $75.00 | $75.00 | 2/11/2010 4:35:40 PM |
| balance6 | $25.00 | $25.00 | 2/11/2010 4:36:01 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 2/11/2010 4:38:15 PM |
| reward-adventure | $25.00 | $25.00 | 2/11/2010 4:38:36 PM |
| Carpetkid | $25.00 | $25.00 | 2/11/2010 4:38:42 PM |
| bill-expert | $25.00 | $25.00 | 2/11/2010 4:36:40 PM |
| duty-monger | $50.00 | $50.00 | 2/11/2010 4:37:19 PM |
| peerlender | $30.00 | $30.00 | 2/11/2010 4:37:28 PM |
| wonderful-return5 | $25.00 | $25.00 | 2/11/2010 4:37:51 PM |
| aventurer | $25.00 | $25.00 | 2/11/2010 4:37:57 PM |
| ThomasCrown | $30.00 | $30.00 | 2/11/2010 4:38:26 PM |
| hyetech | $35.00 | $35.00 | 2/11/2010 4:38:29 PM |
| Petite_Rose | $25.00 | $25.00 | 2/11/2010 4:38:56 PM |
| tntbuzz | $25.00 | $25.00 | 2/11/2010 4:39:03 PM |
| wwwUniversal | $25.00 | $25.00 | 2/11/2010 4:46:37 PM |
| dollardave | $100.00 | $100.00 | 2/11/2010 5:05:37 PM |
| orbiter614 | $50.00 | $50.00 | 2/11/2010 5:05:41 PM |
| LittleMingo | $25.00 | $25.00 | 2/12/2010 6:28:03 AM |
| Moots | $30.00 | $30.00 | 2/12/2010 7:24:45 AM |
| LittleMingo | $25.00 | $25.00 | 2/12/2010 6:33:28 PM |
| RandyL3 | $36.00 | $36.00 | 2/13/2010 2:36:07 PM |
| jresu537 | $25.00 | $25.00 | 2/11/2010 4:15:41 PM |
| LoveLife45 | $25.00 | $25.00 | 2/11/2010 4:16:08 PM |
| pinnacle10 | $25.00 | $25.00 | 2/11/2010 4:17:26 PM |
| worklessmakemore | $25.00 | $25.00 | 2/11/2010 4:18:08 PM |
| cyberie21 | $25.00 | $25.00 | 2/11/2010 4:18:19 PM |
| unk1911 | $25.00 | $25.00 | 2/11/2010 4:18:25 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/11/2010 4:20:35 PM |
| Reinadog9 | $25.00 | $25.00 | 2/11/2010 4:21:00 PM |
| ms48105 | $25.00 | $25.00 | 2/11/2010 4:21:06 PM |
| pujols8996 | $30.00 | $30.00 | 2/11/2010 4:15:37 PM |
| whistle6 | $25.00 | $25.00 | 2/11/2010 4:15:43 PM |
| arcangel72 | $25.00 | $25.00 | 2/11/2010 4:21:22 PM |
| JDavidL | $25.00 | $25.00 | 2/11/2010 4:16:07 PM |
| financial-frenzy | $50.00 | $50.00 | 2/11/2010 4:21:54 PM |
| UT-Longhorn | $25.00 | $25.00 | 2/11/2010 4:22:04 PM |
| souperrich | $25.00 | $25.00 | 2/11/2010 4:17:20 PM |
| reward-walnut | $25.00 | $25.00 | 2/11/2010 4:17:31 PM |
| tmillerosu | $25.00 | $25.00 | 2/11/2010 4:18:00 PM |
| skuba | $25.00 | $25.00 | 2/11/2010 4:18:33 PM |
| sgmm330 | $25.00 | $25.00 | 2/11/2010 4:15:33 PM |
| promiser200 | $25.00 | $25.00 | 2/11/2010 4:15:40 PM |
| Justbiz | $35.66 | $35.66 | 2/11/2010 4:16:02 PM |
| Diver26 | $25.00 | $25.00 | 2/11/2010 4:16:08 PM |
| new-honorable-rate | $25.00 | $25.00 | 2/11/2010 4:25:10 PM |
| srilm | $25.00 | $25.00 | 2/11/2010 4:25:34 PM |
| cu2maro | $25.00 | $25.00 | 2/11/2010 4:25:42 PM |
| Lightlife | $50.00 | $50.00 | 2/11/2010 4:27:01 PM |
| cash-merry-maker | $25.00 | $25.00 | 2/11/2010 4:18:07 PM |
| snappy | $50.00 | $50.00 | 2/11/2010 4:21:23 PM |
| Sierralance | $25.00 | $25.00 | 2/11/2010 4:27:50 PM |
| oaktown23 | $42.36 | $42.36 | 2/11/2010 4:21:56 PM |
| NDFIRTH | $50.00 | $50.00 | 2/11/2010 4:22:02 PM |
| chairsitter | $25.00 | $25.00 | 2/11/2010 4:30:27 PM |
| famous-bill | $25.42 | $25.42 | 2/11/2010 4:21:03 PM |
| supreme-hope | $25.00 | $25.00 | 2/11/2010 4:30:33 PM |
| Binan | $25.00 | $25.00 | 2/11/2010 4:21:30 PM |
| elegant-bonus | $25.00 | $25.00 | 2/11/2010 4:21:36 PM |
| rlcot | $25.00 | $25.00 | 2/11/2010 4:21:57 PM |
| calm-deal7 | $25.00 | $25.00 | 2/11/2010 4:31:05 PM |
| tremendous-payment | $25.00 | $25.00 | 2/11/2010 4:25:21 PM |
| AndyLee | $25.00 | $25.00 | 2/11/2010 4:22:03 PM |
| inspired-contract9 | $25.00 | $25.00 | 2/11/2010 4:31:10 PM |
| djh47a | $25.00 | $25.00 | 2/11/2010 4:25:50 PM |
| mason13a | $25.00 | $25.00 | 2/11/2010 4:26:14 PM |
| bronzmajom | $25.00 | $25.00 | 2/11/2010 4:26:21 PM |
| theprince | $25.00 | $25.00 | 2/11/2010 4:32:01 PM |
| dsfoundation | $25.00 | $25.00 | 2/11/2010 4:27:02 PM |
| macjp123 | $25.00 | $25.00 | 2/11/2010 4:32:18 PM |
| nourishing-interest0 | $25.00 | $25.00 | 2/11/2010 4:32:26 PM |
| forthright-dedication | $50.00 | $50.00 | 2/11/2010 4:32:42 PM |
| life-is-great | $25.00 | $25.00 | 2/11/2010 4:33:02 PM |
| ghinga | $30.00 | $30.00 | 2/11/2010 4:25:11 PM |
| durability-halibut | $25.00 | $25.00 | 2/11/2010 4:25:31 PM |
| Phantom99 | $25.00 | $25.00 | 2/11/2010 4:25:51 PM |
| honorable-yield | $50.00 | $50.00 | 2/11/2010 4:29:07 PM |
| MM1207 | $25.00 | $25.00 | 2/11/2010 4:26:42 PM |
| Supernick | $50.00 | $50.00 | 2/11/2010 4:35:01 PM |
| Gibbyland | $75.00 | $75.00 | 2/11/2010 4:35:30 PM |
| flexible-value | $26.00 | $26.00 | 2/11/2010 4:30:49 PM |
| loanfairy | $25.00 | $25.00 | 2/11/2010 4:31:47 PM |
| felicity-synapse | $25.00 | $25.00 | 2/11/2010 4:36:51 PM |
| credit-kahuna | $100.00 | $100.00 | 2/11/2010 4:37:00 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/11/2010 4:32:06 PM |
| BlindJoeDeath | $25.00 | $25.00 | 2/11/2010 4:30:26 PM |
| larrybird | $100.00 | $100.00 | 2/11/2010 4:38:05 PM |
| niskyfranchise | $25.00 | $25.00 | 2/11/2010 4:33:11 PM |
| Clambake | $50.00 | $50.00 | 2/11/2010 4:38:21 PM |
| peso-colonel | $90.00 | $90.00 | 2/11/2010 4:31:40 PM |
| anders94 | $25.00 | $25.00 | 2/11/2010 4:38:51 PM |
| egw | $25.00 | $25.00 | 2/11/2010 4:31:48 PM |
| time4aloan | $50.00 | $50.00 | 2/11/2010 4:34:39 PM |
| important-ore | $50.00 | $50.00 | 2/11/2010 4:35:28 PM |
| LiquidLender | $25.00 | $25.00 | 2/11/2010 4:32:52 PM |
| Cai8899 | $50.00 | $50.00 | 2/11/2010 4:35:35 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/11/2010 4:35:47 PM |
| loan-master996 | $50.00 | $50.00 | 2/11/2010 4:36:11 PM |
| loan-warrior | $25.00 | $25.00 | 2/11/2010 4:36:16 PM |
| integrity-doctor | $50.00 | $50.00 | 2/11/2010 4:36:22 PM |
| personal-lender | $25.00 | $25.00 | 2/11/2010 4:34:10 PM |
| upbeat-investment9 | $25.00 | $25.00 | 2/11/2010 4:36:33 PM |
| E_G | $30.00 | $30.00 | 2/11/2010 4:36:58 PM |
| hitsman | $50.00 | $50.00 | 2/11/2010 4:37:08 PM |
| flopcat | $25.00 | $25.00 | 2/11/2010 4:37:20 PM |
| delicious-social132 | $25.00 | $25.00 | 2/11/2010 4:35:16 PM |
| gulch | $25.00 | $25.00 | 2/11/2010 4:37:47 PM |
| dmfog | $25.00 | $25.00 | 2/11/2010 4:37:59 PM |
| The-CAPS-fan | $30.00 | $30.00 | 2/11/2010 4:38:11 PM |
| psztnrw | $100.00 | $100.00 | 2/11/2010 4:36:04 PM |
| mtquan | $25.00 | $25.00 | 2/11/2010 4:36:10 PM |
| kanakakm | $25.00 | $25.00 | 2/11/2010 4:36:27 PM |
| jrbill1998 | $50.00 | $50.00 | 2/11/2010 4:36:29 PM |
| luckyldy | $35.00 | $35.00 | 2/11/2010 4:38:57 PM |
| tedsrfdude | $25.00 | $25.00 | 2/11/2010 4:36:37 PM |
| newgroom422 | $25.00 | $25.00 | 2/11/2010 4:39:00 PM |
| jigsaw | $100.00 | $85.07 | 2/11/2010 4:39:10 PM |
| trumpeter5 | $25.00 | $25.00 | 2/11/2010 4:37:31 PM |
| commerce-web5 | $25.00 | $25.00 | 2/11/2010 4:37:34 PM |
| commitment-forte6 | $25.00 | $25.00 | 2/11/2010 4:38:08 PM |
| bowdish1 | $100.00 | $100.00 | 2/11/2010 4:38:44 PM |
| gjh37 | $25.00 | $25.00 | 2/11/2010 4:39:07 PM |
| selector568 | $300.00 | $300.00 | 2/11/2010 5:21:53 PM |
| junes08 | $50.00 | $50.00 | 2/11/2010 5:22:32 PM |
| George2384 | $25.00 | $25.00 | 2/12/2010 9:16:00 AM |
| silverloan | $100.00 | $100.00 | 2/12/2010 12:19:34 PM |
| 207 bids
|
Borrower Payment Dependent Notes Series
445269
This series of Notes was issued and sold upon the funding of the borrower loan #40873, 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-02-2010 |
| |
Auction end date:
| Feb-07-2010 |
|
|
Starting lender yield:
| 15.00% |
Starting borrower rate/APR:
| 16.00% / 18.18% |
Starting monthly payment:
| $175.79 |
|
Final lender yield:
| 15.00% |
Final borrower rate/APR:
| 16.00% / 18.18% |
Final monthly payment:
| $175.79 |
| |
|
Auction yield range:
| 4.06% - 15.00% |
Estimated loss impact:
| 2.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.84% | | |
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-1993 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 26
/
24 | Length of status: | 18y 8m |
|
Credit score:
| 740-759 (Jan-2010) |
Total credit lines:
| 71 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $78,140 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| deal-serrano |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off finance company
Purpose of loan: This loan will be used to??pay?for the installation of energy efficient windows and a patio door in my home. I recently had the windows/door installed using the installation company's?financing.?I am trying to secure a loan at a lower rate.
My financial situation:
I am a good candidate for this loan because? of?my job stability. I have been a federal government employee since 1991 and, before that, worked in private industry after graduating from college.?Like most consumers, within the last year,?the bank credit cards?have lowered my line of credit, thereby causing my bank utilization ratio to be?high. However, I have continued to make timely payments on all my debts. I?am reliable and have a proven track record on loan/credit repayments. I have maintained a good credit rating my entire adult life indicatng?my ability to repay the loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please explain the DQ. - JackinGreen
A:
The delinquency was for an over limit because the credit card company cut my line of credit of $8000 by $6000. Not realizing this, I used the card and it put me over limit by $141. The card is no longer over limit.
(Feb-06-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| -------aliba | $25.00 | $25.00 | 2/2/2010 4:22:11 PM |
| flyinhawaiian | $50.00 | $50.00 | 2/2/2010 4:26:31 PM |
| Dustley | $25.00 | $25.00 | 2/2/2010 4:34:15 PM |
| upright-capital3 | $25.00 | $25.00 | 2/2/2010 5:08:21 PM |
| sshgfwb | $25.00 | $25.00 | 2/2/2010 8:41:17 PM |
| 1traveler | $25.00 | $25.00 | 2/2/2010 5:54:32 PM |
| Bob450 | $25.00 | $25.00 | 2/2/2010 8:06:24 PM |
| kind-efficient-credit | $25.00 | $25.00 | 2/3/2010 3:12:32 AM |
| CommerciaLender | $25.00 | $25.00 | 2/3/2010 12:41:50 PM |
| periko | $25.00 | $25.00 | 2/3/2010 5:36:00 PM |
| credit-kahuna | $200.00 | $200.00 | 2/3/2010 9:07:03 PM |
| Num1Knicks | $25.00 | $25.00 | 2/4/2010 11:14:10 AM |
| dinero-elevator | $50.00 | $50.00 | 2/4/2010 9:54:37 PM |
| umfan123 | $25.00 | $25.00 | 2/5/2010 9:26:04 AM |
| NYUjay | $50.00 | $50.00 | 2/5/2010 9:40:31 AM |
| trade-elm | $200.00 | $200.00 | 2/5/2010 12:08:59 PM |
| income-ferret2 | $100.00 | $100.00 | 2/5/2010 6:15:44 PM |
| ttnk62918 | $25.00 | $25.00 | 2/5/2010 9:05:57 PM |
| KDW08 | $25.00 | $25.00 | 2/6/2010 5:14:27 AM |
| benefit-squirrel | $50.00 | $50.00 | 2/5/2010 10:56:11 PM |
| gallant-camaraderi | $41.80 | $41.80 | 2/5/2010 8:54:19 PM |
| Imaginos1892 | $50.00 | $50.00 | 2/5/2010 9:44:27 PM |
| Num1Knicks | $25.00 | $25.00 | 2/6/2010 9:28:42 AM |
| Ganthiel | $48.94 | $48.94 | 2/6/2010 8:00:22 AM |
| JackinGreen | $125.00 | $125.00 | 2/6/2010 8:13:38 AM |
| aztocas | $25.00 | $25.00 | 2/6/2010 1:27:34 PM |
| reflective-rupee | $250.00 | $250.00 | 2/6/2010 3:50:19 PM |
| mhammond | $50.00 | $50.00 | 2/7/2010 9:45:36 AM |
| MrBadExample | $359.00 | $359.00 | 2/6/2010 8:51:09 PM |
| agbullet55443 | $100.00 | $100.00 | 2/6/2010 8:27:13 PM |
| Ven58 | $25.00 | $25.00 | 2/6/2010 8:58:47 PM |
| Bank_Of_XL | $100.00 | $100.00 | 2/6/2010 10:51:19 PM |
| vutah | $25.00 | $25.00 | 2/7/2010 10:03:47 AM |
| sensible-fund | $100.00 | $100.00 | 2/7/2010 6:55:20 PM |
| sharp-credit | $467.59 | $467.59 | 2/7/2010 6:04:15 PM |
| integrity-doctor | $50.00 | $50.00 | 2/7/2010 8:00:52 PM |
| zorbadgreek | $25.00 | $25.00 | 2/7/2010 7:50:05 PM |
| icecoldcash | $25.00 | $25.00 | 2/7/2010 8:19:35 PM |
| icecoldcash | $25.00 | $25.00 | 2/7/2010 8:20:00 PM |
| Greenrenov | $50.00 | $50.00 | 2/7/2010 8:35:30 PM |
| elegant-loot | $25.00 | $25.00 | 2/2/2010 4:05:17 PM |
| davidmanheim | $25.00 | $25.00 | 2/2/2010 4:26:00 PM |
| investor_101 | $25.00 | $25.00 | 2/2/2010 4:25:22 PM |
| YDBXMHC | $25.00 | $25.00 | 2/2/2010 4:29:21 PM |
| lender987654321 | $25.00 | $25.00 | 2/2/2010 4:39:23 PM |
| sparkmeister | $25.00 | $25.00 | 2/3/2010 10:14:18 AM |
| fallentimbers | $25.00 | $25.00 | 2/3/2010 4:33:43 PM |
| chameleon125 | $25.00 | $25.00 | 2/3/2010 8:56:29 PM |
| titancash4u | $25.00 | $25.00 | 2/3/2010 9:04:08 PM |
| ONECENTATATIME | $25.00 | $25.00 | 2/4/2010 2:49:26 PM |
| Maxmarcus | $25.00 | $25.00 | 2/4/2010 4:22:44 PM |
| iijaejaeii | $25.00 | $25.00 | 2/4/2010 8:12:25 PM |
| happy-loyalty | $25.00 | $25.00 | 2/5/2010 5:55:33 AM |
| wkeboarder21 | $50.00 | $50.00 | 2/5/2010 9:09:48 AM |
| Engineer44 | $25.00 | $25.00 | 2/5/2010 2:52:48 PM |
| Credit4Talent | $60.00 | $60.00 | 2/5/2010 4:16:34 PM |
| cutter21 | $25.00 | $25.00 | 2/5/2010 5:16:27 PM |
| blissful-note7 | $25.00 | $25.00 | 2/5/2010 8:51:05 PM |
| gourd6 | $50.00 | $50.00 | 2/6/2010 10:38:57 AM |
| dudebrah | $25.00 | $25.00 | 2/6/2010 2:38:30 PM |
| vivacious-p2p3 | $50.00 | $50.00 | 2/6/2010 3:16:55 PM |
| ilend57 | $25.00 | $25.00 | 2/6/2010 12:47:48 PM |
| BoughtTheFarm | $25.00 | $25.00 | 2/6/2010 8:58:39 PM |
| Gobsek | $25.00 | $25.00 | 2/7/2010 10:40:40 AM |
| cash-tent | $25.00 | $25.00 | 2/7/2010 6:09:11 PM |
| harddollars | $50.00 | $39.12 | 2/7/2010 9:52:07 AM |
| squarebob | $25.00 | $25.00 | 2/7/2010 12:45:12 PM |
| larryboy10 | $25.00 | $25.00 | 2/7/2010 7:57:23 PM |
| JerryB96 | $25.00 | $25.00 | 2/7/2010 1:27:26 PM |
| superstar449 | $50.00 | $50.00 | 2/7/2010 2:46:37 PM |
| gjm6d | $33.55 | $33.55 | 2/7/2010 7:32:52 PM |
| Minotaur | $25.00 | $25.00 | 2/7/2010 8:23:42 PM |
| icecoldcash | $25.00 | $25.00 | 2/7/2010 8:19:46 PM |
| isfahanian | $25.00 | $25.00 | 2/7/2010 9:28:29 PM |
| houli123 | $1,000.00 | $1,000.00 | 2/7/2010 10:49:53 PM |
| 75 bids
|
Borrower Payment Dependent Notes Series
445365
This series of Notes was issued and sold upon the funding of the borrower loan #40862, 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-03-2010 |
| |
Auction end date:
| Feb-08-2010 |
|
|
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:
| May-1994 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | Not Available |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 1m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $578 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| russmoney |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Expand computer repair business
Purpose of loan:
This loan will be used to expand my computer repair business. I will use it?to purchase parts, tools and advertisement.
My financial situation:
I am a good candidate for this loan because I have very good credit with no late payments. I also have steady employment in the medical field.?The majority of my positive tradelines aren't reported on Experian.
Monthly net income: $ 2056+
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
see my page please. - Tono
A:
Mortgage- N/A
Rent- N/A
Utilities- $70
Phone- $90
Car Note- $223
Insurance-$65
Total- $448 per month in fixed costs
(Feb-05-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| social-conductor4 | $25.00 | $25.00 | 2/3/2010 4:00:07 PM |
| forthright-dedication | $25.00 | $25.00 | 2/3/2010 4:13:01 PM |
| wampum-proton | $25.00 | $25.00 | 2/3/2010 4:13:36 PM |
| theprince | $25.00 | $25.00 | 2/3/2010 4:13:39 PM |
| MM1207 | $25.00 | $25.00 | 2/3/2010 4:14:23 PM |
| Orringo | $50.00 | $50.00 | 2/3/2010 4:13:02 PM |
| penny-surgeon | $25.00 | $25.00 | 2/3/2010 4:13:41 PM |
| elegant-capital | $25.00 | $25.00 | 2/3/2010 4:24:09 PM |
| PRGuyinVA | $25.00 | $25.00 | 2/3/2010 4:23:55 PM |
| note-tent | $25.00 | $25.00 | 2/3/2010 4:23:57 PM |
| SongBirdProphecy | $50.00 | $50.00 | 2/3/2010 4:24:05 PM |
| rosario1 | $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 |
| indomitable-dedication | $25.00 | $25.00 | 2/3/2010 4:12:57 PM |
| lucrative-loan | $100.00 | $100.00 | 2/3/2010 4:42:31 PM |
| selfmademan | $25.00 | $25.00 | 2/3/2010 4:21:39 PM |
| zone8 | $100.00 | $100.00 | 2/3/2010 4:23:48 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/3/2010 5:20:08 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/3/2010 5:26:17 PM |
| bold-principal-thinker | $25.00 | $25.00 | 2/4/2010 8:58:02 AM |
| Vess | $25.00 | $25.00 | 2/4/2010 9:35:00 AM |
| auction-workhorse679 | $25.00 | $25.00 | 2/4/2010 9:35:49 AM |
| BankofBen | $25.00 | $25.00 | 2/4/2010 11:27:37 AM |
| IIP77 | $25.00 | $25.00 | 2/4/2010 12:33:04 PM |
| ryan23 | $25.00 | $25.00 | 2/4/2010 12:53:20 PM |
| flexible-value | $25.00 | $25.00 | 2/5/2010 8:34:10 AM |
| samo102us | $25.00 | $25.00 | 2/5/2010 5:07:55 PM |
| helping-out | $30.00 | $30.00 | 2/5/2010 5:10:46 PM |
| invincible-gain | $75.00 | $75.00 | 2/5/2010 5:27:15 PM |
| oceanwind1950 | $25.00 | $25.00 | 2/5/2010 5:08:06 PM |
| faldska | $25.00 | $25.00 | 2/5/2010 5:24:24 PM |
| azncurls82 | $50.00 | $50.00 | 2/5/2010 6:59:01 PM |
| sc-pjb11 | $25.00 | $25.00 | 2/6/2010 3:53:57 AM |
| capital-galaxy | $200.00 | $200.00 | 2/5/2010 7:30:19 PM |
| greenback-tower3 | $25.00 | $25.00 | 2/6/2010 7:56:10 AM |
| WindyKid | $50.00 | $26.89 | 2/6/2010 6:41:31 AM |
| head | $25.00 | $25.00 | 2/6/2010 3:19:33 AM |
| investment-forte | $60.10 | $60.10 | 2/6/2010 9:43:57 AM |
| famous-bill | $75.00 | $75.00 | 2/3/2010 4:03:09 PM |
| MidLifeCrisis | $25.00 | $25.00 | 2/3/2010 4:12:44 PM |
| rock-turner | $50.00 | $50.00 | 2/3/2010 4:12:53 PM |
| falcon88dp | $25.00 | $25.00 | 2/3/2010 4:12:59 PM |
| scoobiedoo | $25.00 | $25.00 | 2/3/2010 4:13:55 PM |
| time4aloan | $25.00 | $25.00 | 2/3/2010 4:12:49 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/3/2010 4:13:48 PM |
| tntbuzz | $25.00 | $25.00 | 2/3/2010 4:14:13 PM |
| FinDoc | $25.00 | $25.00 | 2/3/2010 4:14:46 PM |
| ingenious-deal6 | $25.00 | $25.00 | 2/3/2010 4:23:41 PM |
| jscig | $25.00 | $25.00 | 2/3/2010 4:23:54 PM |
| handy-justice | $50.00 | $50.00 | 2/3/2010 4:24:00 PM |
| Soxxes | $25.00 | $25.00 | 2/3/2010 4:24:02 PM |
| WalnutCreekguy | $25.00 | $25.00 | 2/3/2010 4:23:58 PM |
| Amphipolis | $25.00 | $25.00 | 2/3/2010 4:24:11 PM |
| Diamond_Jim | $25.00 | $25.00 | 2/3/2010 4:12:47 PM |
| putian47 | $25.00 | $25.00 | 2/3/2010 4:12:51 PM |
| brightest-income-hunter | $25.00 | $25.00 | 2/3/2010 4:24:40 PM |
| euro-banker | $25.00 | $25.00 | 2/3/2010 4:13:05 PM |
| kellydawn | $25.00 | $25.00 | 2/3/2010 4:13:31 PM |
| Wilvara | $25.00 | $25.00 | 2/3/2010 4:13:35 PM |
| Phantom99 | $25.00 | $25.00 | 2/3/2010 4:13:42 PM |
| movistar | $25.00 | $25.00 | 2/3/2010 7:10:58 PM |
| larrybird | $100.00 | $100.00 | 2/3/2010 4:24:01 PM |
| Msbutterfly | $25.00 | $25.00 | 2/3/2010 4:24:08 PM |
| Peterman | $40.53 | $40.53 | 2/3/2010 5:59:33 PM |
| Bob450 | $25.00 | $25.00 | 2/3/2010 8:42:59 PM |
| buffalobills | $25.00 | $25.00 | 2/3/2010 4:47:06 PM |
| DasMula | $25.00 | $25.00 | 2/3/2010 5:16:02 PM |
| ThisGuyIKnow | $25.00 | $25.00 | 2/4/2010 8:10:53 AM |
| tuneman1980 | $25.00 | $25.00 | 2/4/2010 4:35:20 PM |
| unk1911 | $25.00 | $25.00 | 2/4/2010 5:40:19 PM |
| coasterman | $25.00 | $25.00 | 2/4/2010 8:43:41 PM |
| BlindJoeDeath | $25.00 | $25.00 | 2/4/2010 10:39:42 PM |
| cunning-bill | $25.00 | $25.00 | 2/5/2010 11:14:56 AM |
| adama_48 | $25.00 | $25.00 | 2/5/2010 5:05:36 PM |
| noble-revenue | $25.00 | $25.00 | 2/5/2010 5:07:45 PM |
| five-star-note | $50.00 | $50.00 | 2/5/2010 9:59:31 PM |
| QuantumLobster | $25.00 | $25.00 | 2/5/2010 8:08:50 PM |
| zone6 | $200.00 | $200.00 | 2/6/2010 1:45:23 AM |
| sensible-fund | $50.00 | $50.00 | 2/6/2010 3:55:47 AM |
| hellasow | $25.00 | $25.00 | 2/6/2010 12:09:47 PM |
| erccpa | $67.48 | $67.48 | 2/6/2010 10:46:42 AM |
| marwadi-62 | $25.00 | $25.00 | 2/6/2010 7:31:59 PM |
| 82 bids
|
Borrower Payment Dependent Notes Series
445437
This series of Notes was issued and sold upon the funding of the borrower loan #40863, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Feb-04-2010 |
| |
Auction end date:
| Feb-11-2010 |
|
|
Starting lender yield:
| 31.88% |
Starting borrower rate/APR:
| 32.88% / 36.98% |
Starting monthly payment:
| $44.04 |
|
Final lender yield:
| 17.40% |
Final borrower rate/APR:
| 18.40% / 22.15% |
Final monthly payment:
| $36.35 |
| |
|
Auction yield range:
| 14.06% - 31.88% |
Estimated loss impact:
| 15.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.94% | | |
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:
| Jan-2001 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
14 | Length of status: | 3y 4m |
|
Credit score:
| 600-619 (Feb-2010) |
Total credit lines:
| 35 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,685 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Jillybean661 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 620-639
(Apr-2008)
620-639
(Mar-2008)
|
|
Principal balance:
| $506.31 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Help pay for my daughter's Pre-K
Purpose of loan:
This loan will be used to? help me put my daughter in Pre-K for the next 6 months part-time.
My financial situation:
I am a good candidate for this loan because? I am never late on my credit cards and I always pay everything off on time.
Monthly net income: $ 5,000
Monthly expenses: $
??Housing: $ 1,755.00
??Insurance: $ 200.00
??Car expenses: $ 1,100.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 700.00
??Other expenses: $ 100.00
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) |
|
| CoolPlexer | $25.00 | $25.00 | 2/10/2010 2:29:32 PM |
| realtormoises | $25.00 | $25.00 | 2/10/2010 5:11:25 PM |
| wild-orange | $25.00 | $25.00 | 2/11/2010 11:22:05 AM |
| aha6297 | $56.45 | $56.45 | 2/11/2010 12:22:45 PM |
| XayV03 | $30.00 | $30.00 | 2/11/2010 11:00:51 AM |
| nurat | $40.19 | $40.19 | 2/11/2010 1:05:33 PM |
| Aberdeen | $300.00 | $300.00 | 2/11/2010 1:38:42 PM |
| toxicbutterfly | $25.00 | $25.00 | 2/11/2010 3:00:40 PM |
| SuperInvestor82 | $25.00 | $25.00 | 2/11/2010 2:04:55 PM |
| cunning-compassion1 | $35.00 | $35.00 | 2/11/2010 4:38:27 PM |
| fireferd | $37.86 | $37.86 | 2/11/2010 4:35:43 PM |
| MPdeez | $141.02 | $70.50 | 2/11/2010 4:37:59 PM |
| best-generosity-financier | $25.00 | $25.00 | 2/11/2010 4:53:12 PM |
| goffmt | $30.00 | $30.00 | 2/11/2010 11:43:43 AM |
| Leshan | $100.00 | $100.00 | 2/11/2010 8:17:58 AM |
| dorypro | $25.00 | $25.00 | 2/11/2010 1:39:53 PM |
| fairness-atmosphere | $25.00 | $25.00 | 2/11/2010 1:47:17 PM |
| rome1426 | $25.00 | $25.00 | 2/11/2010 3:52:36 PM |
| w8291 | $25.00 | $25.00 | 2/11/2010 4:38:48 PM |
| tomoe | $25.00 | $25.00 | 2/11/2010 4:49:56 PM |
| Engineer44 | $25.00 | $25.00 | 2/11/2010 4:53:06 PM |
| 21 bids
|
Borrower Payment Dependent Notes Series
445489
This series of Notes was issued and sold upon the funding of the borrower loan #40879, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,300.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Feb-04-2010 |
| |
Auction end date:
| Feb-11-2010 |
|
|
Starting lender yield:
| 27.40% |
Starting borrower rate/APR:
| 28.40% / 30.75% |
Starting monthly payment:
| $386.69 |
|
Final lender yield:
| 26.40% |
Final borrower rate/APR:
| 27.40% / 29.74% |
Final monthly payment:
| $381.67 |
| |
|
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:
| Jan-1988 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
14 | Length of status: | 3y 11m |
|
Credit score:
| 720-739 (Jan-2010) |
Total credit lines:
| 54 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $33,781 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| punctual-dedication |
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
Looking for a helping hand!
Purpose of loan:
My stated?goal is to rid myself of all of my credit card?debt.? But honestly, my?life goal is to become a more disciplined person and I am asking for your help.??Through my inattention and lack of keeping a budget,?my credit card debt has piled up.?Finally, I sat down and?took a long, hard look at my spending habits.? I realized that while I was generally living within my means, I did not have a plan for any savings I had left over each month.? I am determined to seize control of my spending habits!? I have put together a realistic budget, and set an objective to?pay my debt down to nothing.? A consolidation loan would help; however, the big banks are not lending.? So I am?asking you -- the global village --?for a helping hand, so that I may one day return the favor.?
My financial situation:
My financial situation is very stable; I?am a clinical researcher in the pharmaceutical industry and have been?involved with developing?safe and effective new?drugs.? I make a good income and am paying off my debt slowly.? This loan would help me consolidate those payments and pay them off faster.??Despite my mediocre rating, I have never missed a bill payment of any kind in my credit?history of over?20 years. ?I can be trusted to pay back my debt.?
Thank you 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) |
|
| howcal77 | $36.45 | $36.45 | 2/4/2010 4:56:16 PM |
| bajaruss | $40.82 | $40.82 | 2/4/2010 4:57:27 PM |
| csarradio | $25.00 | $25.00 | 2/4/2010 4:57:28 PM |
| basis-mammal | $29.62 | $29.62 | 2/4/2010 4:58:04 PM |
| Veshay | $31.50 | $31.50 | 2/4/2010 4:58:42 PM |
| bikingbtb | $25.00 | $25.00 | 2/4/2010 4:56:11 PM |
| fund-virtuoso | $25.00 | $25.00 | 2/4/2010 4:56:17 PM |
| ndwayno | $25.00 | $25.00 | 2/4/2010 4:59:16 PM |
| godzig | $25.00 | $25.00 | 2/4/2010 4:56:30 PM |
| sc91 | $25.00 | $25.00 | 2/4/2010 4:58:36 PM |
| CaptPicard | $25.00 | $25.00 | 2/4/2010 4:58:56 PM |
| Lam0nt | $25.00 | $25.00 | 2/4/2010 4:59:59 PM |
| mjjjrj | $25.00 | $25.00 | 2/4/2010 4:58:59 PM |
| YellowJacket | $25.00 | $25.00 | 2/4/2010 4:59:14 PM |
| pfenness | $100.00 | $100.00 | 2/4/2010 5:00:23 PM |
| BigCityLending | $25.00 | $25.00 | 2/4/2010 4:59:44 PM |
| kloan | $25.00 | $25.00 | 2/4/2010 4:57:52 PM |
| WorldlyWorker | $25.00 | $25.00 | 2/4/2010 5:01:05 PM |
| theshef | $25.00 | $25.00 | 2/4/2010 4:59:56 PM |
| mclilpaws | $25.00 | $25.00 | 2/4/2010 4:58:01 PM |
| yarg | $25.00 | $25.00 | 2/4/2010 5:00:00 PM |
| kubien | $25.00 | $25.00 | 2/4/2010 5:00:08 PM |
| Vess | $25.00 | $25.00 | 2/4/2010 4:58:24 PM |
| samo102us | $25.00 | $25.00 | 2/4/2010 5:00:24 PM |
| dbmurch | $25.00 | $25.00 | 2/4/2010 4:58:33 PM |
| shawndw | $25.00 | $25.00 | 2/4/2010 4:58:40 PM |
| Bank42 | $45.43 | $45.43 | 2/4/2010 5:02:04 PM |
| cfleap | $25.00 | $25.00 | 2/4/2010 5:02:17 PM |
| taurleo | $25.00 | $25.00 | 2/4/2010 5:02:21 PM |
| bonus-patriot | $25.00 | $25.00 | 2/4/2010 4:59:02 PM |
| IzzyNYC | $25.00 | $25.00 | 2/4/2010 5:02:31 PM |
| schnatty | $25.00 | $25.00 | 2/4/2010 5:01:00 PM |
| theemhdoctor | $25.00 | $25.00 | 2/4/2010 4:59:05 PM |
| gotyourgear | $25.00 | $25.00 | 2/4/2010 4:59:09 PM |
| gss_000 | $25.00 | $25.00 | 2/4/2010 5:01:07 PM |
| slojudy | $25.00 | $25.00 | 2/4/2010 4:59:20 PM |
| Dap2005 | $25.00 | $25.00 | 2/4/2010 5:01:23 PM |
| dextro | $25.00 | $25.00 | 2/4/2010 4:59:40 PM |
| littlemonkey | $25.00 | $25.00 | 2/4/2010 5:02:05 PM |
| iinsuru | $25.00 | $25.00 | 2/4/2010 4:59:58 PM |
| MissionMicroFinance | $25.00 | $25.00 | 2/4/2010 5:03:32 PM |
| iGeoff | $25.00 | $25.00 | 2/4/2010 5:02:09 PM |
| F16Pilot | $25.00 | $25.00 | 2/4/2010 5:00:05 PM |
| JAVEHE | $25.00 | $25.00 | 2/4/2010 5:02:24 PM |
| loucr2003 | $25.00 | $25.00 | 2/4/2010 5:02:30 PM |
| jscig | $50.00 | $50.00 | 2/4/2010 5:02:46 PM |
| fund-web3 | $25.00 | $25.00 | 2/4/2010 5:02:00 PM |
| boghdan2000 | $25.00 | $25.00 | 2/4/2010 5:04:01 PM |
| loan-scientist8 | $25.00 | $25.00 | 2/4/2010 5:02:25 PM |
| cocobear | $25.00 | $25.00 | 2/4/2010 5:02:28 PM |
| EnigmaNYC-29 | $50.00 | $50.00 | 2/4/2010 5:07:01 PM |
| openness-prospector | $25.00 | $25.00 | 2/4/2010 5:02:46 PM |
| macbeck22 | $25.00 | $25.00 | 2/4/2010 5:03:11 PM |
| jpjones86 | $25.00 | $25.00 | 2/4/2010 5:03:31 PM |
| Purposeful | $25.00 | $25.00 | 2/4/2010 5:08:35 PM |
| kginatl | $50.01 | $50.01 | 2/4/2010 5:04:02 PM |
| Wowzer | $25.00 | $25.00 | 2/4/2010 5:04:05 PM |
| social-conductor4 | $25.00 | $25.00 | 2/4/2010 5:04:18 PM |
| AlexTrep | $25.00 | $25.00 | 2/4/2010 5:04:25 PM |
| Jonb6919 | $25.00 | $25.00 | 2/4/2010 5:08:15 PM |
| georgethesir | $25.00 | $25.00 | 2/4/2010 5:08:36 PM |
| ryan23 | $25.00 | $25.00 | 2/4/2010 5:08:29 PM |
| rooosta | $25.00 | $25.00 | 2/4/2010 5:08:34 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/4/2010 5:35:19 PM |
| 371millwood | $200.00 | $200.00 | 2/4/2010 5:45:25 PM |
| cognizant-rate732 | $100.00 | $100.00 | 2/4/2010 8:58:16 PM |
| buffalobills | $25.00 | $25.00 | 2/5/2010 7:56:13 AM |
| NS_Consult | $25.00 | $25.00 | 2/5/2010 11:57:34 AM |
| mlj0671 | $31.00 | $31.00 | 2/6/2010 11:58:37 AM |
| larryboy10 | $25.00 | $25.00 | 2/7/2010 7:56:06 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/7/2010 7:51:19 PM |
| auction-workhorse679 | $25.00 | $25.00 | 2/8/2010 8:04:55 AM |
| charming-point | $300.00 | $300.00 | 2/8/2010 8:41:13 AM |
| privatebankerva | $25.00 | $25.00 | 2/8/2010 8:48:55 AM |
| scoobiedoo | $25.00 | $25.00 | 2/8/2010 9:39:53 AM |
| loss-of-control | $25.00 | $25.00 | 2/8/2010 5:40:13 PM |
| PatriotKnight | $50.00 | $50.00 | 2/8/2010 5:48:53 PM |
| zento | $25.00 | $25.00 | 2/8/2010 10:17:16 PM |
| LuvToLend | $25.00 | $25.00 | 2/9/2010 3:55:29 AM |
| GreenNotes | $36.00 | $36.00 | 2/9/2010 12:29:53 PM |
| loan-fate | $25.00 | $25.00 | 2/9/2010 1:08:00 PM |
| twerns | $40.00 | $40.00 | 2/9/2010 6:48:20 PM |
| TaoPooh | $25.00 | $25.00 | 2/10/2010 11:30:20 AM |
| Techne_Funds_LLC | $25.00 | $25.00 | 2/10/2010 4:00:49 PM |
| gt5149c | $30.00 | $30.00 | 2/10/2010 4:40:54 PM |
| GreenNotes | $36.00 | $36.00 | 2/10/2010 9:42:15 PM |
| b0b | $25.00 | $25.00 | 2/10/2010 8:06:46 PM |
| jybank | $25.00 | $25.00 | 2/10/2010 6:30:35 PM |
| barkochva | $25.00 | $25.00 | 2/10/2010 7:43:14 PM |
| VitaminFunk | $25.00 | $25.00 | 2/10/2010 7:56:38 PM |
| credit-missile | $111.05 | $111.05 | 2/10/2010 8:20:36 PM |
| bright-exchange | $25.00 | $25.00 | 2/11/2010 6:44:48 AM |
| umfan123 | $25.00 | $25.00 | 2/11/2010 6:55:53 AM |
| Brainworm | $25.00 | $25.00 | 2/11/2010 6:17:39 AM |
| leverage-monger | $25.00 | $25.00 | 2/11/2010 7:12:10 AM |
| jakdwak | $25.00 | $25.00 | 2/11/2010 9:31:52 AM |
| Leshan | $25.00 | $25.00 | 2/11/2010 8:21:23 AM |
| CREinvestor | $43.87 | $43.87 | 2/11/2010 9:50:24 AM |
| supreme-hope | $25.00 | $25.00 | 2/11/2010 11:19:33 AM |
| goffmt | $50.00 | $50.00 | 2/11/2010 11:49:29 AM |
| friendinmoney | $25.00 | $25.00 | 2/11/2010 3:16:33 PM |
| Loan_shark718 | $100.00 | $100.00 | 2/11/2010 3:43:23 PM |
| DG2007 | $30.00 | $30.00 | 2/11/2010 3:15:11 PM |
| Your_Bank | $25.00 | $25.00 | 2/11/2010 2:29:46 PM |
| redhead21 | $69.44 | $69.44 | 2/11/2010 3:47:03 PM |
| AF-Chief | $35.00 | $35.00 | 2/11/2010 3:08:36 PM |
| carrinel | $100.00 | $100.00 | 2/11/2010 3:31:01 PM |
| The-CAPS-fan | $55.00 | $55.00 | 2/11/2010 3:44:52 PM |
| Engineer44 | $25.00 | $25.00 | 2/11/2010 4:54:08 PM |
| ore-dojo | $100.00 | $100.00 | 2/11/2010 4:41:10 PM |
| credit-missile | $25.00 | $25.00 | 2/11/2010 4:52:32 PM |
| slithytove | $25.00 | $25.00 | 2/4/2010 4:57:53 PM |
| Spaceman838 | $25.00 | $25.00 | 2/4/2010 4:57:23 PM |
| MKLInvestments | $25.00 | $25.00 | 2/4/2010 4:57:50 PM |
| sgf | $25.00 | $25.00 | 2/4/2010 4:56:15 PM |
| pleasant-dime | $25.00 | $25.00 | 2/4/2010 4:59:00 PM |
| hayhelp | $25.00 | $25.00 | 2/4/2010 4:59:23 PM |
| gettingonyourfeet | $25.00 | $25.00 | 2/4/2010 4:58:08 PM |
| flexiboy35 | $25.00 | $25.00 | 2/4/2010 4:58:36 PM |
| Plotinus | $50.00 | $50.00 | 2/4/2010 4:58:38 PM |
| Hutpit | $37.75 | $37.75 | 2/4/2010 4:56:47 PM |
| lostontheedge | $25.00 | $25.00 | 2/4/2010 4:58:55 PM |
| spirited-finance1 | $25.00 | $25.00 | 2/4/2010 4:56:52 PM |
| hard-working-loot | $25.00 | $25.00 | 2/4/2010 4:58:57 PM |
| coolnatkat | $25.00 | $25.00 | 2/4/2010 4:56:58 PM |
| thedreamer | $25.00 | $25.00 | 2/4/2010 5:00:03 PM |
| bazaar-tulip | $25.00 | $25.00 | 2/4/2010 4:59:06 PM |
| JeffHoll | $76.73 | $76.73 | 2/4/2010 5:00:07 PM |
| dashawn | $25.00 | $25.00 | 2/4/2010 4:59:17 PM |
| likeable-openness | $25.00 | $25.00 | 2/4/2010 5:00:21 PM |
| kscc183 | $25.00 | $25.00 | 2/4/2010 4:59:43 PM |
| FALLEN234 | $25.00 | $25.00 | 2/4/2010 4:57:46 PM |
| a275ranger | $25.00 | $25.00 | 2/4/2010 5:01:13 PM |
| larry2003 | $25.00 | $25.00 | 2/4/2010 4:58:10 PM |
| nick5454 | $25.00 | $25.00 | 2/4/2010 5:00:04 PM |
| guaton | $36.05 | $36.05 | 2/4/2010 4:58:21 PM |
| GuardianAL | $25.00 | $25.00 | 2/4/2010 5:00:11 PM |
| Sanford-N-Sons | $25.00 | $25.00 | 2/4/2010 4:58:25 PM |
| SDNLR | $25.00 | $25.00 | 2/4/2010 4:58:34 PM |
| the-money-gargantuan | $25.00 | $25.00 | 2/4/2010 4:58:44 PM |
| omerta6102 | $50.00 | $50.00 | 2/4/2010 5:02:13 PM |
| dspmn | $26.00 | $26.00 | 2/4/2010 5:02:17 PM |
| inventive-exchange | $25.00 | $25.00 | 2/4/2010 4:58:56 PM |
| gaileyb | $25.00 | $25.00 | 2/4/2010 5:02:28 PM |
| chief_wo | $25.00 | $25.00 | 2/4/2010 4:59:03 PM |
| just-benefit | $25.00 | $25.00 | 2/4/2010 5:02:36 PM |
| transaction-animal8 | $25.00 | $25.00 | 2/4/2010 5:01:02 PM |
| Guerrilla_Man | $25.00 | $25.00 | 2/4/2010 4:59:07 PM |
| MrMcduck | $25.00 | $25.00 | 2/4/2010 5:01:06 PM |
| adama_48 | $25.00 | $25.00 | 2/4/2010 4:59:22 PM |
| thrifty-return | $29.42 | $29.42 | 2/4/2010 5:01:22 PM |
| loanshark4u | $25.00 | $25.00 | 2/4/2010 5:03:14 PM |
| TommyTucker | $25.00 | $25.00 | 2/4/2010 4:59:43 PM |
| asiaratt | $100.00 | $100.00 | 2/4/2010 5:02:06 PM |
| pythia | $25.00 | $25.00 | 2/4/2010 5:00:13 PM |
| Katieo | $25.00 | $25.00 | 2/4/2010 5:02:23 PM |
| javajahn | $25.00 | $25.00 | 2/4/2010 5:02:29 PM |
| elegant-income3 | $25.00 | $25.00 | 2/4/2010 5:02:48 PM |
| LJLender | $29.53 | $29.53 | 2/4/2010 5:01:04 PM |
| five-star-note | $35.00 | $35.00 | 2/4/2010 5:01:23 PM |
| minddoc | $25.00 | $25.00 | 2/4/2010 5:02:03 PM |
| cash-boots | $25.00 | $25.00 | 2/4/2010 5:02:11 PM |
| bronzmajom | $25.00 | $25.00 | 2/4/2010 5:02:16 PM |
| DER | $50.00 | $50.00 | 2/4/2010 5:02:27 PM |
| koinonea | $25.00 | $25.00 | 2/4/2010 5:02:31 PM |
| lendme2 | $25.00 | $25.00 | 2/4/2010 5:06:34 PM |
| reflective-rupee | $250.00 | $250.00 | 2/4/2010 5:07:25 PM |
| SFBank | $200.00 | $200.00 | 2/4/2010 5:07:36 PM |
| movistar | $25.00 | $25.00 | 2/4/2010 5:03:29 PM |
| redbomb5 | $25.00 | $25.00 | 2/4/2010 5:08:14 PM |
| CAGE-Investments | $50.00 | $50.00 | 2/4/2010 5:08:28 PM |
| Speculator | $50.00 | $11.16 | 2/4/2010 5:08:40 PM |
| mc81 | $25.00 | $25.00 | 2/4/2010 5:06:32 PM |
| CASHGIRL | $25.00 | $25.00 | 2/4/2010 5:04:07 PM |
| floridass | $25.00 | $25.00 | 2/4/2010 5:07:54 PM |
| worthy-bid4 | $25.00 | $25.00 | 2/4/2010 5:08:28 PM |
| IIP77 | $25.00 | $25.00 | 2/4/2010 5:08:37 PM |
| famous-bill | $75.00 | $75.00 | 2/4/2010 5:06:59 PM |
| brutusbone | $25.00 | $25.00 | 2/4/2010 5:08:21 PM |
| CarDealer3070 | $30.00 | $30.00 | 2/4/2010 5:08:32 PM |
| dime-neutron | $25.00 | $25.00 | 2/4/2010 5:32:24 PM |
| inspiring-reward | $50.00 | $50.00 | 2/4/2010 5:33:36 PM |
| mercuriant | $25.00 | $25.00 | 2/4/2010 5:39:19 PM |
| Bob450 | $50.00 | $50.00 | 2/4/2010 7:52:52 PM |
| Kash2010lu | $35.00 | $35.00 | 2/4/2010 8:30:50 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/5/2010 10:43:56 AM |
| five-star-note | $50.00 | $50.00 | 2/5/2010 12:20:25 PM |
| monstersdad | $50.00 | $50.00 | 2/6/2010 11:02:02 AM |
| durability-halibut | $25.00 | $25.00 | 2/6/2010 11:04:19 AM |
| micsupra | $52.92 | $52.92 | 2/6/2010 5:19:55 PM |
| LindaRicci | $25.00 | $25.00 | 2/7/2010 5:49:18 PM |
| tomoe | $25.00 | $25.00 | 2/7/2010 1:59:54 PM |
| golffish2 | $100.00 | $100.00 | 2/8/2010 4:22:22 AM |
| integrity-doctor | $50.00 | $50.00 | 2/7/2010 7:59:03 PM |
| Maksimus | $25.00 | $25.00 | 2/8/2010 10:42:35 AM |
| Peterman | $25.00 | $25.00 | 2/8/2010 4:34:30 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 2/8/2010 5:34:00 PM |
| rate-seahorse | $25.00 | $25.00 | 2/8/2010 6:07:55 PM |
| cybercop45 | $25.00 | $25.00 | 2/9/2010 4:07:46 AM |
| atomantic | $100.00 | $100.00 | 2/8/2010 11:25:53 PM |
| kendigme | $28.73 | $28.73 | 2/9/2010 2:46:49 AM |
| aultraman | $25.00 | $25.00 | 2/9/2010 3:22:17 PM |
| Maksimus | $32.52 | $32.52 | 2/9/2010 2:59:58 PM |
| trumpeter5 | $100.00 | $100.00 | 2/9/2010 6:18:16 PM |
| loss-of-control | $25.00 | $25.00 | 2/9/2010 6:20:33 PM |
| NS_Consult | $25.00 | $25.00 | 2/9/2010 9:36:40 PM |
| unger | $50.00 | $50.00 | 2/9/2010 7:28:08 PM |
| kendigme | $25.00 | $25.00 | 2/10/2010 2:51:24 AM |
| five-star-note | $40.00 | $40.00 | 2/10/2010 4:31:52 AM |
| credit-missile | $50.00 | $50.00 | 2/10/2010 7:22:20 AM |
| a-reasonable-return | $50.00 | $50.00 | 2/10/2010 6:23:43 AM |
| Astyanax | $25.00 | $25.00 | 2/10/2010 2:40:21 PM |
| Astyanax | $30.00 | $30.00 | 2/10/2010 2:39:41 PM |
| People-for-people | $50.00 | $50.00 | 2/10/2010 7:43:52 PM |
| ore-bada-bing | $100.00 | $100.00 | 2/10/2010 10:45:57 PM |
| orange-pound-party | $30.00 | $30.00 | 2/10/2010 7:24:03 PM |
| PotBellyPete | $90.00 | $90.00 | 2/11/2010 7:01:31 AM |
| Ronnieboy888 | $25.00 | $25.00 | 2/10/2010 9:42:47 PM |
| thomas16882004 | $40.00 | $40.00 | 2/11/2010 8:05:36 AM |
| toxicbutterfly | $25.00 | $25.00 | 2/11/2010 8:48:04 AM |
| Faelin | $25.00 | $25.00 | 2/11/2010 10:27:09 AM |
| DasMula | $100.00 | $100.00 | 2/11/2010 1:45:48 AM |
| kendigme | $27.58 | $27.58 | 2/11/2010 4:23:48 AM |
| PeterPsych | $200.00 | $200.00 | 2/11/2010 9:24:15 AM |
| credit-coach118 | $25.00 | $25.00 | 2/11/2010 8:26:48 AM |
| spiff666 | $25.00 | $25.00 | 2/11/2010 10:20:55 AM |
| ghinga | $25.00 | $25.00 | 2/11/2010 10:59:35 AM |
| houli123 | $200.00 | $200.00 | 2/11/2010 1:11:09 PM |
| dorypro | $25.00 | $25.00 | 2/11/2010 1:56:46 PM |
| ZOOOM | $30.42 | $30.42 | 2/11/2010 2:01:23 PM |
| head | $25.00 | $25.00 | 2/11/2010 1:55:08 PM |
| grnii78 | $100.00 | $100.00 | 2/11/2010 3:09:50 PM |
| worldly-gold | $50.00 | $50.00 | 2/11/2010 3:51:32 PM |
| exciting-fairness | $200.00 | $200.00 | 2/11/2010 4:25:06 PM |
| Jorgef741 | $100.00 | $100.00 | 2/11/2010 4:24:57 PM |
| 235 bids
|
Borrower Payment Dependent Notes Series
445673
This series of Notes was issued and sold upon the funding of the borrower loan #40857, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $76.38 |
|
Final lender yield:
| 14.99% |
Final borrower rate/APR:
| 15.99% / 18.17% |
Final monthly payment:
| $70.30 |
| |
|
Auction yield range:
| 8.06% - 21.00% |
Estimated loss impact:
| 6.84% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.15% | | |
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-2002 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 0m |
|
Credit score:
| 660-679 (Feb-2010) |
Total credit lines:
| 21 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,252 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| unctarheelfan1983 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| CALIFORNIA LENDING GROUP |
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:
| 17 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,650.00 | < mo. late:
| 0
( 0% )
| 680-699
(Aug-2008)
|
|
Principal balance:
| $936.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Paying Off Credit Cards
Purpose of loan:
This loan will be used to? pay off high interest credit cards.
My financial situation:
I?would be a great?candidate for this loan because... I pay ALL my bills on time . I have a great job with a great company which provides me a secure monthly income. Ive tried to negotiate several times and they won't help me. I have one loan with prosper already and have not missed a payment. I'd rather pay you than the big banks. My interest rate is 18.24%. It says my credit score have dropped but I dont see how because eariler this week I checked my credit score and it was 708. I don't understand how prosper checks you credit score. I absolutely cannot wait to pay all my bills off. Any help you can provide I would greatly appreciate it. Your money will be paid in full and I won't never miss a payment. I no longer spend on my credit cards they are all ripped up, I will never run up my credit card bills ever again. I've learned the hard way but at least I have learned. Thank you so much for looking and considering to help me.
Monthly net income: $
2018.00
Monthly expenses: $
??Housing: $
515
??Insurance: $ 78
??Car expenses: $
368.10
??Utilities: $
125
??Phone, cable, internet: $ 75
??Food, entertainment: $
150
??Clothing, household expenses $
15
??Credit cards and other loans: $
235
??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) |
|
| srthsvghdthtr | $25.00 | $25.00 | 2/8/2010 1:26:33 PM |
| Sol_Invictus | $25.00 | $25.00 | 2/8/2010 7:55:59 PM |
| Ven58 | $25.00 | $25.00 | 2/11/2010 3:10:22 PM |
| jsnryn | $25.00 | $25.00 | 2/11/2010 9:46:01 PM |
| grammaspurse | $25.00 | $25.00 | 2/11/2010 11:19:17 PM |
| KINGDOMVENDING | $50.00 | $50.00 | 2/12/2010 5:48:38 PM |
| Leshan | $75.00 | $75.00 | 2/13/2010 8:42:20 AM |
| brother_tam | $50.00 | $50.00 | 2/13/2010 12:10:37 PM |
| Jamahl | $25.00 | $25.00 | 2/14/2010 8:31:12 AM |
| PotBellyPete | $60.00 | $60.00 | 2/13/2010 6:47:04 PM |
| LARRY4NY | $50.00 | $50.00 | 2/13/2010 8:23:23 PM |
| Duckman_Dot_Com | $25.00 | $25.00 | 2/14/2010 6:35:54 AM |
| drkosh | $25.00 | $25.00 | 2/14/2010 7:21:18 AM |
| amor1962 | $25.00 | $25.00 | 2/14/2010 12:23:15 PM |
| wild-orange | $25.00 | $25.00 | 2/15/2010 4:27:01 AM |
| Mikale360 | $25.00 | $25.00 | 2/15/2010 6:39:33 AM |
| dpries123 | $25.00 | $25.00 | 2/15/2010 7:59:33 AM |
| shrewd-income | $50.00 | $50.00 | 2/15/2010 8:10:23 AM |
| eprometheus | $92.00 | $92.00 | 2/15/2010 8:32:21 AM |
| toxicbutterfly | $25.00 | $25.00 | 2/14/2010 11:40:24 PM |
| Molson Bank & Trust | $50.00 | $50.00 | 2/15/2010 6:59:31 AM |
| clemclan | $25.00 | $25.00 | 2/15/2010 10:13:44 AM |
| wizard750 | $40.00 | $40.00 | 2/15/2010 11:44:41 AM |
| porwestco | $25.00 | $25.00 | 2/15/2010 12:19:14 PM |
| vine99 | $45.00 | $45.00 | 2/8/2010 6:03:08 PM |
| tcpfan | $25.00 | $25.00 | 2/9/2010 3:55:18 PM |
| hellasow | $25.00 | $25.00 | 2/10/2010 5:29:11 PM |
| lender12345 | $25.00 | $25.00 | 2/10/2010 6:20:28 PM |
| fairness-atmosphere | $26.41 | $15.12 | 2/11/2010 10:23:50 AM |
| 420limo | $56.57 | $56.57 | 2/11/2010 1:23:51 PM |
| BDS | $25.00 | $25.00 | 2/11/2010 3:39:52 PM |
| FinanceEngine | $25.00 | $25.00 | 2/11/2010 5:29:02 PM |
| gilbrear | $25.00 | $25.00 | 2/12/2010 3:22:38 PM |
| SuperInvestor82 | $25.00 | $25.00 | 2/12/2010 5:44:21 PM |
| seatown7 | $50.00 | $50.00 | 2/12/2010 10:33:51 PM |
| the-durability-planetarium | $59.23 | $59.23 | 2/12/2010 10:38:05 PM |
| schnarff | $25.00 | $25.00 | 2/13/2010 3:10:21 PM |
| BuzzyBee336 | $25.00 | $25.00 | 2/13/2010 3:53:37 PM |
| BuckeyeGuy | $25.00 | $25.00 | 2/14/2010 11:50:03 AM |
| b1geasy | $30.00 | $30.00 | 2/14/2010 6:39:43 AM |
| marwadi-62 | $100.00 | $100.00 | 2/14/2010 6:26:37 AM |
| winger66 | $50.00 | $50.00 | 2/15/2010 4:28:37 AM |
| dorypro | $55.00 | $55.00 | 2/15/2010 11:31:22 AM |
| mhotchan | $100.00 | $100.00 | 2/15/2010 8:56:31 AM |
| steady-dime | $50.00 | $50.00 | 2/15/2010 12:25:50 PM |
| thebadpelican | $25.00 | $25.00 | 2/15/2010 9:45:16 AM |
| ALFLoan | $25.00 | $25.00 | 2/15/2010 11:02:24 AM |
| 1SteelerFan | $30.00 | $30.00 | 2/15/2010 11:32:05 AM |
| NS_Consult | $25.00 | $25.00 | 2/15/2010 11:44:43 AM |
| famous-marketplace9 | $25.00 | $25.00 | 2/15/2010 11:27:49 AM |
| ore-dojo | $50.00 | $50.00 | 2/15/2010 12:12:17 PM |
| enthusiastic-point | $67.08 | $67.08 | 2/15/2010 12:27:16 PM |
| 52 bids
|
Borrower Payment Dependent Notes Series
445765
This series of Notes was issued and sold upon the funding of the borrower loan #40875, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,100.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $263.86 |
|
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $226.44 |
| |
|
Auction yield range:
| 4.06% - 19.00% |
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:
| Jul-2000 |
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:
| 16
/
15 | Length of status: | 13y 7m |
|
Credit score:
| 700-719 (Jan-2010) |
Total credit lines:
| 24 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $42,962 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mircea |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < mo. late:
| 0
( 0% )
| 680-699
(Jul-2008)
|
|
Principal balance:
| $8,559.24 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Install Woodfloors
Purpose of loan:
This loan will be used to Install Wood floors in our home. (Carpet Out wood floors in). We are doing most of the work ourselves (and in 80% of our house), that is why this will be enough.
My financial situation:
I am a good candidate for this loan because I can pay the monthly payment, I have been employed with same company for the last 11 years, and I have the income to support it.
Monthly net income: $ 10,500 in the household
Monthly expenses: $
??Housing: $?2830
??Insurance: $?180
??Car expenses: $ 660
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, going out (family of 4): $ 1800
??Clothing, household expenses $ 500
??Credit cards and other loans: $?1800
??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
Q:
You have a very high revolving credit utilization and balance, what is that? - smarva
A:
Interest rate has boycotted my plan to significantly lower the utilization. I bought my (new) house in 2006 and I significantly underestimated the expenses. I reduced teh balance by ~15k (see previous listing 1.5 years ago. (However, the banks were so eager to reduce the credit limits ... :-( that I remained at a high utilization rate.)
(Feb-12-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| supreme-bonus0 | $25.00 | $25.00 | 2/8/2010 1:06:36 PM |
| Havana21 | $25.00 | $25.00 | 2/8/2010 1:09:34 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/8/2010 1:14:37 PM |
| Interloper | $40.00 | $40.00 | 2/8/2010 1:16:08 PM |
| calm-deal7 | $25.00 | $25.00 | 2/8/2010 1:16:56 PM |
| inspired-contract9 | $25.00 | $25.00 | 2/8/2010 1:17:16 PM |
| supreme-hope | $25.00 | $25.00 | 2/8/2010 1:14:50 PM |
| reflective-cash0 | $100.00 | $100.00 | 2/8/2010 1:15:41 PM |
| PocketAces | $25.00 | $25.00 | 2/8/2010 1:18:11 PM |
| fishintime | $25.00 | $25.00 | 2/8/2010 1:19:44 PM |
| studious-listing8 | $25.00 | $25.00 | 2/8/2010 2:07:23 PM |
| Auburnmist | $25.00 | $25.00 | 2/8/2010 6:25:46 PM |
| MM1207 | $25.00 | $25.00 | 2/8/2010 6:28:56 PM |
| cardan97 | $25.00 | $25.00 | 2/8/2010 6:32:39 PM |
| GlobalVisionary | $25.00 | $25.00 | 2/8/2010 6:32:47 PM |
| riproaringrapids | $25.00 | $25.00 | 2/8/2010 6:29:09 PM |
| loanfairy | $25.00 | $25.00 | 2/8/2010 6:31:07 PM |
| skuba | $25.00 | $25.00 | 2/8/2010 6:31:28 PM |
| the-aggresive-principal | $25.00 | $25.00 | 2/8/2010 6:31:45 PM |
| coin-awakening | $26.50 | $26.50 | 2/8/2010 6:33:15 PM |
| TennSquire | $25.00 | $25.00 | 2/8/2010 6:39:01 PM |
| cvfriend | $25.00 | $25.00 | 2/8/2010 6:39:14 PM |
| thumper64 | $35.00 | $35.00 | 2/8/2010 6:35:31 PM |
| commerce-voyager | $25.00 | $25.00 | 2/8/2010 6:36:39 PM |
| BumblingStunmbling | $25.00 | $25.00 | 2/8/2010 6:41:58 PM |
| life-is-great | $25.00 | $25.00 | 2/8/2010 6:42:11 PM |
| kulender | $25.00 | $25.00 | 2/8/2010 6:37:13 PM |
| bold-bright-currency | $25.00 | $25.00 | 2/8/2010 6:42:19 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/8/2010 6:37:34 PM |
| auction-turbine4 | $25.00 | $25.00 | 2/8/2010 6:43:26 PM |
| intently | $25.00 | $25.00 | 2/8/2010 6:38:27 PM |
| Kaj | $25.00 | $25.00 | 2/8/2010 6:44:22 PM |
| capital_gains | $25.00 | $25.00 | 2/8/2010 6:40:00 PM |
| Woodworker57 | $25.00 | $25.00 | 2/8/2010 6:40:17 PM |
| nourishing-interest0 | $25.00 | $25.00 | 2/8/2010 6:39:40 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/8/2010 6:40:32 PM |
| orgy63 | $25.00 | $25.00 | 2/8/2010 6:40:54 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 2/8/2010 6:45:26 PM |
| forthright-dedication | $50.00 | $50.00 | 2/8/2010 6:40:45 PM |
| credit-force5 | $25.00 | $25.00 | 2/8/2010 6:41:43 PM |
| delicious-social132 | $25.00 | $25.00 | 2/8/2010 6:47:58 PM |
| progressive-asset | $100.00 | $100.00 | 2/8/2010 6:41:33 PM |
| NorthernFunds | $25.00 | $25.00 | 2/8/2010 6:48:21 PM |
| credit-solstice | $25.00 | $25.00 | 2/8/2010 6:42:31 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/8/2010 6:43:02 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/8/2010 6:49:13 PM |
| industrious-dedication | $25.00 | $25.00 | 2/8/2010 6:43:41 PM |
| inspiring-reward | $50.00 | $50.00 | 2/8/2010 6:49:29 PM |
| TeamRamRod | $25.00 | $25.00 | 2/8/2010 6:49:48 PM |
| keeks | $25.00 | $25.00 | 2/8/2010 6:50:23 PM |
| miked8303 | $25.00 | $25.00 | 2/8/2010 6:50:42 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 2/8/2010 6:45:01 PM |
| jrbill1998 | $50.00 | $50.00 | 2/8/2010 6:51:46 PM |
| AF-Chief | $27.00 | $27.00 | 2/8/2010 6:47:33 PM |
| hitsman | $50.00 | $50.00 | 2/8/2010 6:53:24 PM |
| note-tent | $25.00 | $25.00 | 2/8/2010 6:53:40 PM |
| kmr2 | $100.00 | $100.00 | 2/8/2010 6:48:13 PM |
| important-ore | $50.00 | $50.00 | 2/8/2010 6:48:31 PM |
| trumpeter5 | $25.00 | $25.00 | 2/8/2010 6:54:02 PM |
| Gibbyland | $75.00 | $75.00 | 2/8/2010 6:48:39 PM |
| bchen78875 | $25.00 | $25.00 | 2/8/2010 6:54:19 PM |
| dmfog | $25.00 | $25.00 | 2/8/2010 6:54:47 PM |
| GElender | $50.00 | $50.00 | 2/8/2010 6:49:22 PM |
| ThomasCrown | $30.00 | $30.00 | 2/8/2010 6:55:24 PM |
| psztnrw | $100.00 | $100.00 | 2/8/2010 6:50:05 PM |
| bajeezus | $25.00 | $25.00 | 2/8/2010 6:55:51 PM |
| balance6 | $25.00 | $25.00 | 2/8/2010 6:49:39 PM |
| t2smoney | $25.00 | $25.00 | 2/8/2010 6:56:34 PM |
| ADSFL05 | $25.00 | $25.00 | 2/8/2010 6:56:48 PM |
| loan-warrior | $25.00 | $25.00 | 2/8/2010 6:51:04 PM |
| mtquan | $25.00 | $25.00 | 2/8/2010 6:50:37 PM |
| DragonQueen | $25.00 | $25.00 | 2/8/2010 6:57:07 PM |
| kanakakm | $25.00 | $25.00 | 2/8/2010 6:51:36 PM |
| rlcot | $25.00 | $25.00 | 2/8/2010 6:52:15 PM |
| HamachiMan | $25.00 | $25.00 | 2/8/2010 6:52:34 PM |
| upbeat-investment9 | $25.00 | $25.00 | 2/8/2010 6:51:54 PM |
| paymentologist | $25.00 | $25.00 | 2/8/2010 6:52:41 PM |
| bill-expert | $25.00 | $25.00 | 2/8/2010 6:52:09 PM |
| credit-kahuna | $100.00 | $100.00 | 2/8/2010 6:53:10 PM |
| maldok1 | $25.00 | $25.00 | 2/8/2010 6:52:19 PM |
| bold-principal-thinker | $25.00 | $25.00 | 2/8/2010 6:52:26 PM |
| duty-monger | $50.00 | $50.00 | 2/8/2010 6:53:33 PM |
| punctual-power7 | $25.00 | $25.00 | 2/8/2010 6:52:50 PM |
| brazilofmux | $100.00 | $100.00 | 2/8/2010 6:53:52 PM |
| UT-Longhorn | $25.00 | $25.00 | 2/8/2010 6:54:09 PM |
| wonderful-return5 | $25.00 | $25.00 | 2/8/2010 6:54:24 PM |
| crazycool | $25.00 | $25.00 | 2/8/2010 6:55:01 PM |
| commitment-forte6 | $25.00 | $25.00 | 2/8/2010 6:55:02 PM |
| hyetech | $35.00 | $35.00 | 2/8/2010 6:55:28 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 2/8/2010 6:55:09 PM |
| Creative_Outlet | $25.00 | $25.00 | 2/8/2010 6:56:31 PM |
| jigsaw | $100.00 | $100.00 | 2/8/2010 6:56:57 PM |
| bonafide-cash | $50.00 | $50.00 | 2/8/2010 6:57:01 PM |
| tisgro | $25.00 | $10.36 | 2/8/2010 6:57:10 PM |
| grasscutter | $100.00 | $100.00 | 2/10/2010 8:03:38 AM |
| lender12345 | $25.00 | $25.00 | 2/10/2010 6:21:24 PM |
| JerryB96 | $25.00 | $25.00 | 2/15/2010 8:12:11 AM |
| persistent-value3 | $36.14 | $36.14 | 2/15/2010 6:05:26 AM |
| 1SteelerFan | $35.00 | $35.00 | 2/15/2010 11:33:31 AM |
| radforj22 | $25.00 | $25.00 | 2/8/2010 1:02:31 PM |
| payout-point | $50.00 | $50.00 | 2/8/2010 1:17:10 PM |
| flexible-value | $25.00 | $25.00 | 2/8/2010 1:15:20 PM |
| Phantom99 | $25.00 | $25.00 | 2/8/2010 1:16:19 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/8/2010 1:19:14 PM |
| OCedHrt | $25.00 | $25.00 | 2/8/2010 1:18:57 PM |
| new-honorable-rate | $25.00 | $25.00 | 2/8/2010 6:29:27 PM |
| Supernick | $25.00 | $25.00 | 2/8/2010 6:25:58 PM |
| MarinLoans | $50.00 | $50.00 | 2/8/2010 6:33:34 PM |
| mizon291 | $50.00 | $50.00 | 2/8/2010 6:35:18 PM |
| peso-colonel | $90.00 | $90.00 | 2/8/2010 6:30:51 PM |
| egw | $25.00 | $25.00 | 2/8/2010 6:32:03 PM |
| theprince | $25.00 | $25.00 | 2/8/2010 6:37:25 PM |
| ChicagoBoyz | $25.00 | $25.00 | 2/8/2010 6:33:23 PM |
| ASR3 | $25.00 | $25.00 | 2/8/2010 6:33:44 PM |
| Rick7925 | $25.00 | $25.00 | 2/8/2010 6:34:45 PM |
| gciarami | $25.00 | $25.00 | 2/8/2010 6:39:29 PM |
| Montello | $25.00 | $25.00 | 2/8/2010 6:40:22 PM |
| hope-hickory | $25.00 | $25.00 | 2/8/2010 6:35:08 PM |
| srilm | $25.00 | $25.00 | 2/8/2010 6:41:20 PM |
| THREE-POINTS-LENDING | $25.00 | $25.00 | 2/8/2010 6:41:49 PM |
| LandE2BG | $25.00 | $25.00 | 2/8/2010 6:38:38 PM |
| Fortuno_per_commodo | $25.00 | $25.00 | 2/8/2010 6:43:12 PM |
| social-conductor4 | $25.00 | $25.00 | 2/8/2010 6:38:16 PM |
| macjp123 | $25.00 | $25.00 | 2/8/2010 6:38:49 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 2/8/2010 6:44:00 PM |
| treasure-bliss | $100.00 | $100.00 | 2/8/2010 6:39:54 PM |
| Katburg | $35.00 | $35.00 | 2/8/2010 6:44:36 PM |
| value-pole | $25.00 | $25.00 | 2/8/2010 6:44:51 PM |
| LiquidLender | $25.00 | $25.00 | 2/8/2010 6:41:07 PM |
| Speculator | $50.00 | $50.00 | 2/8/2010 6:48:05 PM |
| Cai8899 | $50.00 | $50.00 | 2/8/2010 6:48:47 PM |
| niskyfranchise | $25.00 | $25.00 | 2/8/2010 6:42:43 PM |
| junctionking | $25.00 | $25.00 | 2/8/2010 6:49:08 PM |
| benefit-squirrel | $30.00 | $30.00 | 2/8/2010 6:43:50 PM |
| personal-lender | $25.00 | $25.00 | 2/8/2010 6:44:17 PM |
| lloyd_s | $25.00 | $25.00 | 2/8/2010 6:44:42 PM |
| rooosta | $25.00 | $25.00 | 2/8/2010 6:45:17 PM |
| dollar-birdie | $25.00 | $25.00 | 2/8/2010 6:51:09 PM |
| integrity-doctor | $50.00 | $50.00 | 2/8/2010 6:51:22 PM |
| time4aloan | $50.00 | $50.00 | 2/8/2010 6:45:08 PM |
| gentle-note | $25.00 | $25.00 | 2/8/2010 6:51:52 PM |
| tedsrfdude | $25.00 | $25.00 | 2/8/2010 6:52:00 PM |
| felicity-synapse | $25.00 | $25.00 | 2/8/2010 6:52:45 PM |
| Pizza-man | $50.00 | $50.00 | 2/8/2010 6:52:58 PM |
| payout-achievement | $40.00 | $40.00 | 2/8/2010 6:53:16 PM |
| wayman | $50.00 | $50.00 | 2/8/2010 6:53:21 PM |
| NDFIRTH | $50.00 | $50.00 | 2/8/2010 6:53:57 PM |
| commerce-web5 | $25.00 | $25.00 | 2/8/2010 6:54:05 PM |
| red-trade-cologne | $25.00 | $25.00 | 2/8/2010 6:54:12 PM |
| gulch | $25.00 | $25.00 | 2/8/2010 6:54:20 PM |
| aventurer | $25.00 | $25.00 | 2/8/2010 6:54:33 PM |
| impeccable-transparency | $75.00 | $75.00 | 2/8/2010 6:48:58 PM |
| elevated-platinum5 | $50.00 | $50.00 | 2/8/2010 6:48:51 PM |
| Clambake | $50.00 | $50.00 | 2/8/2010 6:55:19 PM |
| cpaphoto | $25.00 | $25.00 | 2/8/2010 6:55:59 PM |
| Petite_Rose | $25.00 | $25.00 | 2/8/2010 6:56:03 PM |
| Domgabriel | $25.00 | $25.00 | 2/8/2010 6:56:06 PM |
| newgroom422 | $25.00 | $25.00 | 2/8/2010 6:56:38 PM |
| mulberry4 | $25.00 | $25.00 | 2/8/2010 6:56:41 PM |
| loan-master996 | $50.00 | $50.00 | 2/8/2010 6:50:55 PM |
| XC27 | $25.00 | $25.00 | 2/8/2010 6:56:45 PM |
| falcon88dp | $25.00 | $25.00 | 2/8/2010 6:51:00 PM |
| Sam65 | $25.00 | $25.00 | 2/8/2010 6:50:33 PM |
| financial-frenzy | $50.00 | $50.00 | 2/8/2010 6:51:13 PM |
| jresu537 | $25.00 | $25.00 | 2/8/2010 6:57:04 PM |
| MrDavid | $25.00 | $25.00 | 2/8/2010 6:51:34 PM |
| enb3 | $25.00 | $25.00 | 2/8/2010 6:51:42 PM |
| oaktown23 | $50.00 | $50.00 | 2/8/2010 6:52:05 PM |
| klinebarger | $25.00 | $25.00 | 2/8/2010 6:53:35 PM |
| flopcat | $25.00 | $25.00 | 2/8/2010 6:53:45 PM |
| E_G | $30.00 | $30.00 | 2/8/2010 6:53:06 PM |
| peerlender | $30.00 | $30.00 | 2/8/2010 6:53:54 PM |
| AndyLee | $25.00 | $25.00 | 2/8/2010 6:54:00 PM |
| promiser200 | $25.00 | $25.00 | 2/8/2010 6:54:13 PM |
| Prosp_Lender | $50.00 | $50.00 | 2/8/2010 6:54:28 PM |
| larrybird | $100.00 | $100.00 | 2/8/2010 6:54:56 PM |
| The-CAPS-fan | $30.00 | $30.00 | 2/8/2010 6:55:06 PM |
| reward-adventure | $25.00 | $25.00 | 2/8/2010 6:55:38 PM |
| Lightlife | $50.00 | $50.00 | 2/8/2010 6:55:13 PM |
| xstreamin | $25.00 | $25.00 | 2/8/2010 6:55:20 PM |
| Carpetkid | $25.00 | $25.00 | 2/8/2010 6:55:44 PM |
| tom48l | $25.00 | $25.00 | 2/8/2010 6:55:33 PM |
| anders94 | $25.00 | $25.00 | 2/8/2010 6:55:58 PM |
| bowdish1 | $100.00 | $100.00 | 2/8/2010 6:55:45 PM |
| dsfoundation | $25.00 | $25.00 | 2/8/2010 6:56:08 PM |
| cybernosha | $100.00 | $100.00 | 2/8/2010 6:56:11 PM |
| luckyldy | $35.00 | $35.00 | 2/8/2010 6:56:15 PM |
| virtuous-bill1 | $25.00 | $25.00 | 2/8/2010 6:56:21 PM |
| tntbuzz | $25.00 | $25.00 | 2/8/2010 6:56:42 PM |
| cash-boots | $25.00 | $25.00 | 2/8/2010 6:56:27 PM |
| auddoc | $25.00 | $25.00 | 2/8/2010 6:56:36 PM |
| gjh37 | $25.00 | $25.00 | 2/8/2010 6:56:53 PM |
| dollardave | $100.00 | $100.00 | 2/8/2010 7:13:42 PM |
| LittleMingo | $25.00 | $25.00 | 2/9/2010 7:16:21 AM |
| OzGuy609 | $25.00 | $25.00 | 2/13/2010 5:33:00 AM |
| ORteacher | $50.00 | $50.00 | 2/13/2010 4:07:59 PM |
| JCMC | $25.00 | $25.00 | 2/13/2010 8:30:07 PM |
| Hartfelt | $70.00 | $70.00 | 2/13/2010 11:02:18 PM |
| Boinky00 | $50.00 | $50.00 | 2/14/2010 1:39:33 PM |
| 199 bids
|
Borrower Payment Dependent Notes Series
445787
This series of Notes was issued and sold upon the funding of the borrower loan #40878, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Feb-08-2010 |
| |
Auction end date:
| Feb-15-2010 |
|
|
Starting lender yield:
| 8.40% |
Starting borrower rate/APR:
| 9.40% / 11.50% |
Starting monthly payment:
| $207.91 |
|
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $207.30 |
| |
|
Auction yield range:
| 4.06% - 8.40% |
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:
| May-1984 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
12 | Length of status: | 32y 0m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 32 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,125 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| thrilling-affluence9 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off two credit cards
Purpose of loan:
This loan will be used to?
Pay off two high interest credit cards
My financial situation:
I am a good candidate for this loan because? I have a good income,I pay my bills on time, I've closed other accounts and I'm paying them off at lower
interest rates, my job is secure, I'm in excellent health and plan to continue working.
Monthly net income: $4312.19 plus $861 Social Security?
Monthly expenses: $?3400????
??Housing: $ 996.96
??Insurance: $ 258.07
??Car expenses: $80.00
??Utilities: $100
??Phone, cable, internet: $ 100
??Food, entertainment: $300
??Clothing, household expenses $?25??Credit cards and other loans: $ 1360
??Other expenses: $200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DonaldColorado | $25.00 | $25.00 | 2/8/2010 12:40:05 PM |
| kenji4861 | $25.00 | $25.00 | 2/8/2010 12:40:48 PM |
| lean-velocity | $25.00 | $25.00 | 2/8/2010 12:41:06 PM |
| radforj22 | $25.00 | $25.00 | 2/8/2010 1:02:18 PM |
| Cai8899 | $75.00 | $75.00 | 2/8/2010 1:10:14 PM |
| peerlender | $30.00 | $30.00 | 2/8/2010 1:11:06 PM |
| skuba | $50.00 | $50.00 | 2/8/2010 1:05:43 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/8/2010 1:12:08 PM |
| personal-lender | $25.00 | $25.00 | 2/8/2010 1:07:56 PM |
| moola-escalator | $50.00 | $50.00 | 2/8/2010 1:08:38 PM |
| falcon245sp | $25.00 | $25.00 | 2/8/2010 1:09:12 PM |
| bchen78875 | $50.00 | $50.00 | 2/8/2010 1:10:01 PM |
| market-builder | $25.00 | $25.00 | 2/8/2010 1:10:23 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/8/2010 1:11:50 PM |
| LandE2BG | $25.00 | $25.00 | 2/8/2010 1:12:17 PM |
| AmericanCredit | $25.00 | $25.00 | 2/8/2010 1:12:31 PM |
| PocketAces | $25.00 | $25.00 | 2/8/2010 1:18:09 PM |
| life-is-great | $25.00 | $25.00 | 2/8/2010 1:18:32 PM |
| highcountry1 | $25.00 | $25.00 | 2/8/2010 1:13:55 PM |
| profitable-asset1 | $25.00 | $25.00 | 2/8/2010 1:15:13 PM |
| reflective-cash0 | $100.00 | $100.00 | 2/8/2010 1:15:40 PM |
| gracej | $25.00 | $25.00 | 2/8/2010 1:15:59 PM |
| bokonon | $25.00 | $25.00 | 2/8/2010 1:16:25 PM |
| inspired-contract9 | $25.00 | $25.00 | 2/8/2010 1:17:15 PM |
| community-pipeline | $25.00 | $25.00 | 2/8/2010 1:17:56 PM |
| OCedHrt | $25.00 | $25.00 | 2/8/2010 1:18:55 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/8/2010 1:19:13 PM |
| Kaj | $25.00 | $25.00 | 2/8/2010 1:19:26 PM |
| Auburnmist | $25.00 | $25.00 | 2/8/2010 6:25:47 PM |
| the-aggresive-principal | $25.00 | $25.00 | 2/8/2010 6:31:44 PM |
| egw | $25.00 | $25.00 | 2/8/2010 6:32:02 PM |
| MarinLoans | $50.00 | $50.00 | 2/8/2010 6:33:33 PM |
| riproaringrapids | $25.00 | $25.00 | 2/8/2010 6:29:08 PM |
| ASR3 | $25.00 | $25.00 | 2/8/2010 6:33:44 PM |
| peso-colonel | $90.00 | $90.00 | 2/8/2010 6:30:50 PM |
| nourishing-interest0 | $25.00 | $25.00 | 2/8/2010 6:39:39 PM |
| mizon291 | $50.00 | $50.00 | 2/8/2010 6:35:18 PM |
| forthright-dedication | $50.00 | $50.00 | 2/8/2010 6:40:45 PM |
| progressive-asset | $100.00 | $100.00 | 2/8/2010 6:41:33 PM |
| THREE-POINTS-LENDING | $25.00 | $25.00 | 2/8/2010 6:41:48 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/8/2010 6:37:34 PM |
| TennSquire | $25.00 | $25.00 | 2/8/2010 6:39:00 PM |
| Montello | $25.00 | $25.00 | 2/8/2010 6:40:22 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 2/8/2010 6:45:00 PM |
| time4aloan | $50.00 | $50.00 | 2/8/2010 6:45:07 PM |
| treasure-bliss | $100.00 | $100.00 | 2/8/2010 6:39:54 PM |
| Woodworker57 | $25.00 | $25.00 | 2/8/2010 6:40:17 PM |
| srilm | $25.00 | $25.00 | 2/8/2010 6:41:19 PM |
| orgy63 | $25.00 | $25.00 | 2/8/2010 6:40:53 PM |
| BumblingStunmbling | $25.00 | $25.00 | 2/8/2010 6:41:58 PM |
| Fortuno_per_commodo | $25.00 | $25.00 | 2/8/2010 6:43:11 PM |
| junctionking | $25.00 | $25.00 | 2/8/2010 6:49:08 PM |
| GElender | $50.00 | $50.00 | 2/8/2010 6:49:23 PM |
| Katburg | $35.00 | $35.00 | 2/8/2010 6:44:35 PM |
| mtquan | $25.00 | $25.00 | 2/8/2010 6:50:36 PM |
| rooosta | $25.00 | $25.00 | 2/8/2010 6:45:17 PM |
| tedsrfdude | $25.00 | $25.00 | 2/8/2010 6:51:59 PM |
| NorthernFunds | $25.00 | $25.00 | 2/8/2010 6:48:21 PM |
| elevated-platinum5 | $50.00 | $50.00 | 2/8/2010 6:48:50 PM |
| inspiring-reward | $50.00 | $50.00 | 2/8/2010 6:49:28 PM |
| impeccable-transparency | $75.00 | $75.00 | 2/8/2010 6:48:58 PM |
| Sam65 | $25.00 | $25.00 | 2/8/2010 6:50:34 PM |
| loan-master996 | $50.00 | $50.00 | 2/8/2010 6:50:54 PM |
| financial-frenzy | $50.00 | $50.00 | 2/8/2010 6:51:13 PM |
| integrity-doctor | $50.00 | $50.00 | 2/8/2010 6:51:21 PM |
| falcon88dp | $25.00 | $25.00 | 2/8/2010 6:50:59 PM |
| loan-warrior | $25.00 | $25.00 | 2/8/2010 6:51:04 PM |
| jrbill1998 | $50.00 | $50.00 | 2/8/2010 6:51:45 PM |
| OldFriend | $25.00 | $25.00 | 2/8/2010 6:52:13 PM |
| credible-durability | $25.00 | $25.00 | 2/8/2010 6:52:24 PM |
| balance-voyager | $100.00 | $63.16 | 2/8/2010 6:52:32 PM |
| dollardave | $100.00 | $100.00 | 2/8/2010 7:13:41 PM |
| myidear | $25.00 | $25.00 | 2/12/2010 1:02:15 PM |
| Airbandit | $50.84 | $50.84 | 2/12/2010 1:56:32 PM |
| Cherrypicker | $50.00 | $50.00 | 2/12/2010 7:01:37 PM |
| Boinky00 | $50.00 | $50.00 | 2/14/2010 1:42:05 PM |
| invest0808 | $25.00 | $25.00 | 2/15/2010 4:33:45 AM |
| socal-lender | $25.00 | $25.00 | 2/15/2010 9:29:58 AM |
| LawyerLoan | $25.00 | $25.00 | 2/15/2010 11:53:10 AM |
| Marco83 | $26.50 | $26.50 | 2/15/2010 11:55:56 AM |
| famous-marketplace9 | $25.00 | $25.00 | 2/15/2010 11:28:26 AM |
| ore-dojo | $100.00 | $100.00 | 2/15/2010 12:16:56 PM |
| bowdish1 | $100.00 | $100.00 | 2/8/2010 1:10:42 PM |
| supreme-bonus0 | $25.00 | $25.00 | 2/8/2010 1:06:35 PM |
| commerce-voyager | $25.00 | $25.00 | 2/8/2010 1:07:08 PM |
| meenan | $25.00 | $25.00 | 2/8/2010 1:07:34 PM |
| lloyd_s | $25.00 | $25.00 | 2/8/2010 1:07:44 PM |
| credit-force5 | $25.00 | $25.00 | 2/8/2010 1:08:10 PM |
| theprince | $25.00 | $25.00 | 2/8/2010 1:08:18 PM |
| mlopez2007 | $50.00 | $50.00 | 2/8/2010 1:08:25 PM |
| supreme-hope | $25.00 | $25.00 | 2/8/2010 1:13:50 PM |
| Havana21 | $25.00 | $25.00 | 2/8/2010 1:09:32 PM |
| delicious-social132 | $25.00 | $25.00 | 2/8/2010 1:10:33 PM |
| dealarella | $25.00 | $25.00 | 2/8/2010 1:10:55 PM |
| Phantom99 | $25.00 | $25.00 | 2/8/2010 1:16:18 PM |
| thedoctor | $90.00 | $90.00 | 2/8/2010 1:11:13 PM |
| commerce-web5 | $40.00 | $40.00 | 2/8/2010 1:11:20 PM |
| bruce3504 | $25.00 | $25.00 | 2/8/2010 1:16:31 PM |
| dollar-birdie | $30.00 | $30.00 | 2/8/2010 1:11:32 PM |
| MarcusOcean | $25.00 | $25.00 | 2/8/2010 1:16:45 PM |
| rolandweary | $30.00 | $30.00 | 2/8/2010 1:11:43 PM |
| desertoasis | $25.00 | $25.00 | 2/8/2010 1:12:01 PM |
| social-conductor4 | $25.00 | $25.00 | 2/8/2010 1:12:46 PM |
| bigballer105 | $25.00 | $25.00 | 2/8/2010 1:13:02 PM |
| fishintime | $25.00 | $25.00 | 2/8/2010 1:19:42 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/8/2010 1:14:38 PM |
| jla720 | $35.00 | $35.00 | 2/8/2010 1:25:20 PM |
| flexible-value | $25.00 | $25.00 | 2/8/2010 1:15:04 PM |
| Interloper | $40.00 | $40.00 | 2/8/2010 1:16:09 PM |
| calm-deal7 | $25.00 | $25.00 | 2/8/2010 1:16:54 PM |
| payout-point | $50.00 | $50.00 | 2/8/2010 1:17:09 PM |
| Artist_Blue | $25.00 | $25.00 | 2/8/2010 1:17:26 PM |
| auction-elvis | $25.00 | $25.00 | 2/8/2010 1:17:50 PM |
| dollardave | $100.00 | $100.00 | 2/8/2010 1:20:27 PM |
| anton | $250.00 | $250.00 | 2/8/2010 1:39:58 PM |
| studious-listing8 | $25.00 | $25.00 | 2/8/2010 2:07:21 PM |
| anakinsolo | $25.00 | $25.00 | 2/8/2010 6:20:10 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 2/8/2010 5:13:12 PM |
| loanfairy | $25.00 | $25.00 | 2/8/2010 6:31:06 PM |
| coin-awakening | $26.50 | $26.50 | 2/8/2010 6:33:15 PM |
| ChicagoBoyz | $25.00 | $25.00 | 2/8/2010 6:33:22 PM |
| MM1207 | $25.00 | $25.00 | 2/8/2010 6:28:55 PM |
| new-honorable-rate | $25.00 | $25.00 | 2/8/2010 6:29:26 PM |
| hope-hickory | $25.00 | $25.00 | 2/8/2010 6:35:08 PM |
| cardan97 | $25.00 | $25.00 | 2/8/2010 6:32:38 PM |
| GlobalVisionary | $25.00 | $25.00 | 2/8/2010 6:32:47 PM |
| intently | $25.00 | $25.00 | 2/8/2010 6:38:27 PM |
| macjp123 | $25.00 | $25.00 | 2/8/2010 6:38:49 PM |
| Rick7925 | $25.00 | $25.00 | 2/8/2010 6:34:44 PM |
| thumper64 | $35.00 | $35.00 | 2/8/2010 6:35:30 PM |
| LiquidLender | $25.00 | $25.00 | 2/8/2010 6:41:06 PM |
| durability-halibut | $25.00 | $25.00 | 2/8/2010 6:41:25 PM |
| kulender | $25.00 | $25.00 | 2/8/2010 6:37:13 PM |
| bold-bright-currency | $25.00 | $25.00 | 2/8/2010 6:42:19 PM |
| credit-solstice | $25.00 | $25.00 | 2/8/2010 6:42:30 PM |
| niskyfranchise | $25.00 | $25.00 | 2/8/2010 6:42:43 PM |
| auction-turbine4 | $25.00 | $25.00 | 2/8/2010 6:43:25 PM |
| cvfriend | $25.00 | $25.00 | 2/8/2010 6:39:13 PM |
| gciarami | $25.00 | $25.00 | 2/8/2010 6:39:28 PM |
| capital_gains | $25.00 | $25.00 | 2/8/2010 6:39:59 PM |
| AF-Chief | $27.00 | $27.00 | 2/8/2010 6:47:32 PM |
| kmr2 | $100.00 | $100.00 | 2/8/2010 6:48:13 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/8/2010 6:49:13 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 2/8/2010 6:44:00 PM |
| balance6 | $25.00 | $25.00 | 2/8/2010 6:49:39 PM |
| industrious-dedication | $25.00 | $25.00 | 2/8/2010 6:43:41 PM |
| benefit-squirrel | $30.00 | $30.00 | 2/8/2010 6:43:50 PM |
| WSTRDG | $25.00 | $25.00 | 2/8/2010 6:49:56 PM |
| value-pole | $25.00 | $25.00 | 2/8/2010 6:44:49 PM |
| rvtbike | $50.00 | $50.00 | 2/8/2010 6:50:28 PM |
| DUDE66 | $50.00 | $50.00 | 2/8/2010 6:50:35 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 2/8/2010 6:45:26 PM |
| MrDavid | $25.00 | $25.00 | 2/8/2010 6:51:34 PM |
| oaktown23 | $50.00 | $50.00 | 2/8/2010 6:52:04 PM |
| Supernick | $50.00 | $50.00 | 2/8/2010 6:46:53 PM |
| famous-bill | $50.00 | $50.00 | 2/8/2010 6:47:16 PM |
| Speculator | $50.00 | $50.00 | 2/8/2010 6:48:05 PM |
| important-ore | $50.00 | $50.00 | 2/8/2010 6:48:30 PM |
| Gibbyland | $75.00 | $75.00 | 2/8/2010 6:48:39 PM |
| TeamRamRod | $25.00 | $25.00 | 2/8/2010 6:49:47 PM |
| psztnrw | $100.00 | $100.00 | 2/8/2010 6:50:05 PM |
| keeks | $25.00 | $25.00 | 2/8/2010 6:50:23 PM |
| miked8303 | $25.00 | $25.00 | 2/8/2010 6:50:42 PM |
| enb3 | $25.00 | $25.00 | 2/8/2010 6:51:42 PM |
| gentle-note | $25.00 | $25.00 | 2/8/2010 6:51:51 PM |
| kanakakm | $25.00 | $25.00 | 2/8/2010 6:51:35 PM |
| rlcot | $25.00 | $25.00 | 2/8/2010 6:52:15 PM |
| upbeat-investment9 | $25.00 | $25.00 | 2/8/2010 6:51:54 PM |
| bill-expert | $25.00 | $25.00 | 2/8/2010 6:52:09 PM |
| maldok1 | $25.00 | $25.00 | 2/8/2010 6:52:18 PM |
| bold-principal-thinker | $25.00 | $25.00 | 2/8/2010 6:52:26 PM |
| SCD | $25.00 | $25.00 | 2/8/2010 8:59:57 PM |
| Kubasaki | $25.00 | $25.00 | 2/12/2010 5:04:50 PM |
| SnakeV | $25.00 | $25.00 | 2/13/2010 6:14:57 PM |
| RandyL3 | $36.00 | $36.00 | 2/13/2010 2:35:46 PM |
| JerryB96 | $25.00 | $25.00 | 2/13/2010 8:42:42 PM |
| Boinky00 | $50.00 | $50.00 | 2/14/2010 1:41:23 PM |
| 177 bids
|