Sales Report:Supplement No. 165 dated Mar 30, 2010 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 435267
This series of Notes was issued and sold upon the funding of the borrower loan #41563, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,950.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-16-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $190.26
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $189.76
 
Auction yield range: 4.04% - 8.38% 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: Nov-2005 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 4Length of status:0y 10m
Credit score: 740-759 (Mar-2010) Total credit lines: 14 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $0Stated 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: STEVENRM87 Borrower's state: Texas Borrower's group: PsychDoc's 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 historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 37 ( 100% ) 740-759 (Latest)
Principal borrowed: $12,550.00< mo. late: 0 ( 0% )  
580-599 (Dec-2007)
600-619 (Nov-2006)
520-539 (Jul-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 37  
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay down my 20% interest credit cards

My financial situation:
I am a good candidate for this loan because this is my 3rd prosper loan and I have NEVER been late or failed to pay any payment from my previous 2 prosper loans or any type of credit for that matter. I take my credit seriously!

Monthly net income: $ = 6,500

Monthly expenses: 2,000 $
??Housing: 500$
??Insurance: 134$
??Car expenses: 560$
Gas: 200$
??Utilities: 150$
??Phone, cable, internet: 150$
??Food, entertainment: 500$
??Clothing, household expenses 500$
??Credit cards and other loans: 300$
??Other expenses: 150$
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Finchy78$25.00$25.003/15/2010 4:31:27 PM
skuba$25.00$25.003/15/2010 4:54:50 PM
asset-professor$100.00$100.003/15/2010 5:00:28 PM
dollar-birdie$45.61$45.613/15/2010 5:00:16 PM
reflective-deal8$50.00$50.003/15/2010 5:03:09 PM
Clambake$50.00$50.003/15/2010 5:03:35 PM
delicious-social132$40.00$40.003/15/2010 5:02:55 PM
flexible-value$31.00$31.003/15/2010 5:03:12 PM
macjp123$25.00$25.003/15/2010 5:03:32 PM
Microfinancer$25.00$25.003/15/2010 5:00:21 PM
fightinjoe$25.00$25.003/15/2010 5:00:43 PM
credit-force5$25.00$25.003/15/2010 5:04:32 PM
bonus-adventure3$25.00$25.003/15/2010 5:05:25 PM
personal-lender$25.00$25.003/15/2010 5:04:43 PM
lendersf$95.00$95.003/15/2010 5:05:46 PM
honorable-yield$75.00$75.003/15/2010 5:04:36 PM
baseballfan111$25.00$25.003/15/2010 5:08:17 PM
interest-exec9$25.00$25.003/15/2010 5:09:19 PM
mg6619$25.00$25.003/15/2010 5:05:41 PM
engaging-worth$30.00$30.003/15/2010 5:09:44 PM
integrity-doctor$50.00$50.003/15/2010 5:11:39 PM
satisfying-durability$25.00$25.003/15/2010 5:12:35 PM
restless-currency$25.00$25.003/15/2010 5:12:40 PM
bayareainv$100.00$100.003/15/2010 5:14:35 PM
dlshap$25.00$25.003/15/2010 5:14:41 PM
BritDad$25.00$25.003/15/2010 5:15:02 PM
successful-euro$75.00$75.003/15/2010 5:10:52 PM
credit-coach118$40.00$40.003/15/2010 5:15:45 PM
micko$25.00$25.003/15/2010 5:17:24 PM
djs81$25.00$25.003/15/2010 5:19:42 PM
anton$150.00$150.003/15/2010 5:20:17 PM
lender987654321$25.00$25.003/15/2010 5:20:44 PM
meux99$25.00$25.003/15/2010 5:15:53 PM
rulender$50.00$50.003/15/2010 5:21:50 PM
superchicken$25.00$25.003/15/2010 5:21:52 PM
DukSerduk$25.00$25.003/15/2010 5:22:03 PM
Gabriel02$25.00$25.003/15/2010 5:16:42 PM
DeathScythe676$25.00$25.003/15/2010 5:21:47 PM
wise-silver-wonder$25.00$25.003/15/2010 5:21:55 PM
red-favorable-basis$25.00$25.003/15/2010 5:23:24 PM
tombombadil$25.00$25.003/15/2010 5:22:50 PM
scrappy-bonus2$30.00$30.003/15/2010 5:22:57 PM
Jassi$25.00$25.003/15/2010 5:23:44 PM
outwish$25.00$25.003/15/2010 5:24:46 PM
mikeandcat$100.00$100.003/15/2010 5:19:49 PM
Railbird$25.00$25.003/15/2010 5:26:06 PM
TriSail$25.00$25.003/15/2010 5:25:19 PM
pipopirate$25.00$25.003/15/2010 5:27:18 PM
RB_Double-A_Bravo$25.00$25.003/15/2010 5:27:22 PM
don8ter$60.00$60.003/15/2010 5:26:53 PM
Bearls$25.00$25.003/15/2010 5:21:42 PM
OLYVRC$25.00$25.003/15/2010 5:22:01 PM
JJS180$25.00$25.003/15/2010 5:28:20 PM
guggs$25.00$25.003/15/2010 5:27:49 PM
community-pipeline8$50.00$50.003/15/2010 5:23:17 PM
BiggestG$25.00$25.003/15/2010 5:24:28 PM
justalender$25.00$25.003/15/2010 5:30:40 PM
showmestatekid$25.00$25.003/15/2010 5:25:04 PM
smartie1$25.00$25.003/15/2010 5:25:50 PM
keydet99$25.00$25.003/15/2010 5:26:03 PM
ScottW$25.00$25.003/15/2010 5:31:18 PM
bobby4u3$25.00$25.003/15/2010 5:32:12 PM
stensonb$25.00$25.003/15/2010 5:31:58 PM
Kame$25.00$25.003/15/2010 5:27:24 PM
laniac$50.00$50.003/15/2010 5:28:04 PM
nuclearmoose$25.00$25.003/15/2010 5:28:17 PM
credit-investor5$100.00$100.003/15/2010 5:34:02 PM
Zoomie$25.00$25.003/15/2010 5:29:34 PM
acropiloterau2002$25.00$25.003/15/2010 5:30:57 PM
Geedub$42.01$42.013/15/2010 5:31:10 PM
j2ee$25.00$25.003/15/2010 5:31:45 PM
grampy48$25.00$25.003/15/2010 5:32:04 PM
RandyL3$33.00$33.003/15/2010 5:37:45 PM
keyfig$50.00$50.003/15/2010 5:34:12 PM
Debt2Freedom$25.00$25.003/15/2010 5:34:27 PM
Boxhead$25.00$18.613/15/2010 5:34:40 PM
Personal-Bond$25.62$25.623/15/2010 5:51:01 PM
lender12345$25.00$25.003/15/2010 6:14:32 PM
goldsun$25.00$25.003/15/2010 7:04:19 PM
MoneyForNothing$25.00$25.003/15/2010 10:37:38 PM
LendAHand24$25.00$25.003/15/2010 8:00:13 PM
kenji4861$25.00$25.003/15/2010 4:50:50 PM
sajitk$25.00$25.003/15/2010 4:54:42 PM
torion$25.00$25.003/15/2010 5:04:09 PM
Castellan$25.00$25.003/15/2010 5:00:46 PM
Avala$50.00$50.003/15/2010 5:04:24 PM
inspired-contract9$25.00$25.003/15/2010 5:06:49 PM
sharp-bill2$40.00$40.003/15/2010 5:06:25 PM
tylerfd$25.00$25.003/15/2010 5:08:43 PM
bigballer105$50.00$50.003/15/2010 5:08:50 PM
AFairDeal$25.00$25.003/15/2010 5:09:01 PM
bchen78875$50.00$50.003/15/2010 5:09:34 PM
turbospeed$25.00$25.003/15/2010 5:10:02 PM
red-trade-cologne$25.00$25.003/15/2010 5:10:37 PM
buckyhead2000$25.00$25.003/15/2010 5:12:41 PM
edgeofpdx$25.00$25.003/15/2010 5:08:36 PM
dealarella$25.00$25.003/15/2010 5:15:05 PM
Searlzy$25.00$25.003/15/2010 5:15:13 PM
tenacious-compassion9$25.00$25.003/15/2010 5:11:13 PM
jldallover$25.00$25.003/15/2010 5:16:01 PM
Goodlender42$25.00$25.003/15/2010 5:11:40 PM
nletunic$25.00$25.003/15/2010 5:11:52 PM
thedoctor$90.00$90.003/15/2010 5:16:49 PM
figs4u2$100.00$100.003/15/2010 5:12:20 PM
kmwvma$25.00$25.003/15/2010 5:14:44 PM
Eagledrop$25.00$25.003/15/2010 5:21:08 PM
sas19$25.00$25.003/15/2010 5:21:59 PM
zone6$25.06$25.063/15/2010 5:22:04 PM
hopethisworks$100.00$100.003/15/2010 5:20:55 PM
chilichese$25.00$25.003/15/2010 5:21:18 PM
irrelevant$25.00$25.003/15/2010 5:17:02 PM
blukestrel$25.00$25.003/15/2010 5:21:54 PM
ADenny$25.00$25.003/15/2010 5:22:14 PM
Cherrypicker06$25.00$25.003/15/2010 5:23:23 PM
AF-Chief$28.00$28.003/15/2010 5:18:09 PM
scott73$25.00$25.003/15/2010 5:23:38 PM
danfrphils$25.00$25.003/15/2010 5:23:43 PM
mscomeaux$25.00$25.003/15/2010 5:25:06 PM
devoider$25.00$25.003/15/2010 5:25:10 PM
Captain88$25.00$25.003/15/2010 5:25:36 PM
johannesfactotum$25.00$25.003/15/2010 5:25:39 PM
RJN$25.00$25.003/15/2010 5:26:00 PM
zyztemboy$25.00$25.003/15/2010 5:25:30 PM
mmckune$25.00$25.003/15/2010 5:26:47 PM
steely_dan34$25.00$25.003/15/2010 5:20:46 PM
Sigonio$25.00$25.003/15/2010 5:27:20 PM
mbever10$25.00$25.003/15/2010 5:21:19 PM
Hokiemon$30.03$30.033/15/2010 5:21:45 PM
andycheb$47.78$47.783/15/2010 5:22:52 PM
pbandjb$25.00$25.003/15/2010 5:28:01 PM
Sixmil$25.00$25.003/15/2010 5:23:21 PM
TK4$25.00$25.003/15/2010 5:23:59 PM
mjm77_1$25.00$25.003/15/2010 5:24:30 PM
amijo$50.00$50.003/15/2010 5:29:31 PM
cingular$25.00$25.003/15/2010 5:29:52 PM
NYWA$25.00$25.003/15/2010 5:25:28 PM
Cai8899$75.00$75.003/15/2010 5:25:33 PM
synergy4all$25.00$25.003/15/2010 5:25:47 PM
lendinstuff$25.00$25.003/15/2010 5:30:39 PM
important-ore$100.00$100.003/15/2010 5:26:25 PM
thegreatone$74.48$74.483/15/2010 5:31:56 PM
Banker7371$25.00$25.003/15/2010 5:32:01 PM
kanewna$41.19$41.193/15/2010 5:27:30 PM
reefer$36.53$36.533/15/2010 5:32:13 PM
ChicoBob$46.08$46.083/15/2010 5:29:33 PM
lost-money-so-far-on-these$25.00$25.003/15/2010 5:30:43 PM
damage$25.00$25.003/15/2010 5:30:49 PM
BookandLaw$25.00$25.003/15/2010 5:31:05 PM
xphile$25.00$25.003/15/2010 5:31:08 PM
cordial-investment1$25.00$25.003/15/2010 5:34:21 PM
Aberdeen$350.00$350.003/15/2010 5:50:38 PM
Aberdeen$350.00$350.003/15/2010 5:52:34 PM
exchange-jet$25.00$25.003/16/2010 1:56:42 AM
153 bids
 
Borrower Payment Dependent Notes Series 445551
This series of Notes was issued and sold upon the funding of the borrower loan #41526, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-23-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 8.75% Starting borrower rate/APR: 9.75% / 11.85% Starting monthly payment: $192.90
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $191.36
 
Auction yield range: 4.04% - 8.75% 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: Nov-1983 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:0y 11m
Credit score: 700-719 (Mar-2010) Total credit lines: 16 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $6,637Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vennp Borrower's state: California Borrower's group: Road To Better Credit
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 34 ( 87% ) 700-719 (Latest)
Principal borrowed: $9,500.00< mo. late: 5 ( 13% )  
680-699 (Oct-2009)
640-659 (Mar-2008)
640-659 (Jan-2008)
620-639 (Apr-2007)
 
Principal balance: $2,393.43 1+ mo. late: 0 ( 0% )
Total payments billed: 39  
Description
Paying off High % Credit Cards
Purpose of Loan:This will be my 3rd Prosper Loan. My first was paid off nearly 2 years ago (early). My 2nd is has one year left to go.The past 2 years I've reduced my high interest CC debt (25%+ interest) from roughly $17K to $6,500 today.? This loan would be used to retire the last of the debt and close my last 2 credit card accounts. Income:I have been employed as a SQL Database Admin since the 90?s. I had a brief period of un-employment between Dec 2008 and March of 2009 when I was laid off during the economic downturn. In April of 2009 I started my current position and am very secure in my new job.Yearly Salary:
$85,000.00? Monthly Net Income:
$4,650.00My monthly budget: $ 903 (rent)
$ 75 (utilities)
$ 440 Auto Loan (48 out of 60 payments made, 1 year to go)? 2006 Toyota Tundra
$ 135? Auto insurance
$ 50 Gas? (I take public transit to work)
$ 400 Food, entertainment:
$ 211 other prosper loan (until March of 2011)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
foxy-vigilance$25.00$25.003/23/2010 3:47:45 PM
torion$25.00$25.003/23/2010 3:53:11 PM
skuba$50.00$50.003/23/2010 3:52:07 PM
Clambake$50.00$50.003/23/2010 3:52:46 PM
AF-Chief$28.00$28.003/23/2010 3:50:29 PM
personal-lender$25.00$25.003/23/2010 3:53:30 PM
jwood3030$35.00$35.003/23/2010 3:55:42 PM
HedgeFund$40.00$40.003/23/2010 3:56:21 PM
ddog0224$25.00$25.003/23/2010 3:56:38 PM
kchen486$25.00$25.003/23/2010 3:57:05 PM
chestnut4$25.00$25.003/23/2010 3:56:05 PM
integrity-doctor$50.00$50.003/23/2010 3:55:03 PM
rescue$500.00$500.003/23/2010 3:59:39 PM
goodguy2000$25.00$25.003/23/2010 3:58:33 PM
versatile-platinum4$25.00$25.003/23/2010 4:00:40 PM
responsibility-mulberry$25.00$25.003/23/2010 4:00:03 PM
contract-lotus$25.00$25.003/23/2010 3:57:20 PM
hrubinst$25.00$25.003/23/2010 4:00:50 PM
don8ter$25.00$25.003/23/2010 3:58:03 PM
grampy48$25.00$25.003/23/2010 4:03:11 PM
payment-gusto$25.00$25.003/23/2010 3:58:26 PM
fishtale$25.00$25.003/23/2010 4:01:44 PM
bchen78875$50.00$50.003/23/2010 4:04:20 PM
FlexFunding$57.78$57.783/23/2010 4:04:46 PM
Dreamconnection$25.00$25.003/23/2010 4:03:51 PM
rhightower003$25.00$25.003/23/2010 4:05:15 PM
incbx$50.00$50.003/23/2010 4:12:44 PM
rulender$35.22$35.223/23/2010 4:05:44 PM
flexible-value$26.00$26.003/23/2010 4:03:15 PM
anton$76.38$76.383/23/2010 4:03:46 PM
GAOGERAM_BANK$25.00$25.003/23/2010 4:04:06 PM
bigdogsafety1$25.00$25.003/23/2010 4:32:24 PM
Supernick$50.00$50.003/23/2010 4:05:36 PM
selector568$38.00$38.003/23/2010 5:02:54 PM
successful-euro$50.00$50.003/23/2010 5:11:53 PM
gatorbanker$100.00$100.003/23/2010 6:07:51 PM
xphile$25.00$25.003/23/2010 8:48:23 PM
diversification-medalist$25.00$25.003/23/2010 11:38:51 PM
GElender$50.00$50.003/24/2010 12:34:15 AM
r0b3m4n$25.00$25.003/24/2010 5:29:33 AM
credit-magician$25.00$25.003/24/2010 1:43:26 AM
rate-fluffy-bunny$25.00$25.003/24/2010 4:48:06 AM
Railbird$25.00$25.003/24/2010 9:43:12 AM
Merganser$25.00$25.003/24/2010 10:04:09 AM
responsible-investment0$50.00$50.003/24/2010 11:10:45 AM
goodbob$25.00$25.003/24/2010 11:10:52 AM
lendersf$95.00$95.003/24/2010 11:21:11 AM
sentimental-silver7$25.00$25.003/24/2010 12:04:00 PM
DadWarbucks$25.00$25.003/24/2010 12:18:51 PM
dgallo$25.00$25.003/24/2010 12:04:52 PM
skillful-diversification2$25.00$25.003/24/2010 1:03:31 PM
irrelevant$25.00$25.003/24/2010 12:06:00 PM
TK4$25.00$25.003/24/2010 12:23:32 PM
LittleMingo$25.00$25.003/24/2010 2:11:12 PM
gemoscar$25.00$25.003/24/2010 1:43:43 PM
ahansen$25.00$25.003/24/2010 4:15:42 PM
WHEREISTHEMOON$25.00$25.003/24/2010 7:23:03 PM
Castellan$25.00$25.003/24/2010 6:10:57 PM
movistar$25.00$25.003/24/2010 8:23:19 PM
billiam$50.00$50.003/24/2010 8:53:09 PM
djs81$25.00$25.003/25/2010 6:48:26 AM
Phantom99$25.00$25.003/25/2010 7:53:32 AM
mg6619$25.00$25.003/25/2010 7:53:36 AM
bigphish$25.00$25.003/25/2010 8:03:18 AM
stable-nickel$120.00$120.003/25/2010 8:09:21 AM
aldenrains$25.00$25.003/25/2010 8:10:10 AM
gnuey$50.00$50.003/25/2010 8:11:40 AM
GoSix$25.00$25.003/25/2010 9:33:34 AM
DeltaComputerGuy$25.00$25.003/25/2010 9:34:15 AM
mlopez2007$25.00$25.003/25/2010 9:58:34 AM
treasure-bliss$26.69$26.693/25/2010 8:03:31 AM
pawnshopman$25.00$25.003/25/2010 8:09:22 AM
newyork6264$25.00$25.003/25/2010 8:09:38 AM
important-ore$50.00$50.003/25/2010 10:16:19 AM
trade-cello$25.00$25.003/25/2010 8:10:07 AM
authentic-diversification$25.00$25.003/25/2010 8:10:21 AM
nimbus312$25.00$25.003/25/2010 10:30:01 AM
rupee-kung-fu7$25.00$25.003/25/2010 8:11:41 AM
financeboy$25.00$25.003/25/2010 10:32:14 AM
BankofBen$25.00$25.003/25/2010 10:39:19 AM
1phantom$29.33$29.333/25/2010 10:39:10 AM
falcon245sp$25.00$25.003/25/2010 10:39:15 AM
Walkingcowboy$25.00$25.003/25/2010 10:39:21 AM
bds9646$26.00$26.003/25/2010 10:39:38 AM
BayShell$48.43$40.613/25/2010 10:39:44 AM
lenderme$25.00$25.003/25/2010 10:32:59 AM
elgollo$25.00$25.003/25/2010 10:39:22 AM
Cheburashka$30.00$30.003/25/2010 10:39:30 AM
BigEarHole$46.31$46.313/25/2010 10:39:32 AM
kcole10$25.00$25.003/25/2010 10:39:34 AM
inspired-contract9$50.00$50.003/23/2010 3:51:11 PM
kenji4861$50.00$50.003/23/2010 3:49:16 PM
credit-force5$25.00$25.003/23/2010 3:53:29 PM
bonus-adventure3$25.00$25.003/23/2010 3:53:58 PM
delicious-social132$40.00$40.003/23/2010 3:52:43 PM
restless-currency$25.00$25.003/23/2010 3:55:08 PM
lender987654321$25.00$25.003/23/2010 3:55:16 PM
unforgettable-order9$100.00$100.003/23/2010 3:55:33 PM
MarinLoans$25.00$25.003/23/2010 3:56:27 PM
Avala$50.00$50.003/23/2010 3:53:22 PM
studious-bonus7$50.00$50.003/23/2010 3:58:01 PM
transparency-halo$25.00$25.003/23/2010 3:58:13 PM
HHP$25.00$25.003/23/2010 3:57:15 PM
TakeCare$50.00$50.003/23/2010 3:55:51 PM
skvat$25.00$25.003/23/2010 3:57:52 PM
chicco$56.00$56.003/23/2010 4:01:14 PM
CarDealer3070$25.00$25.003/23/2010 4:02:01 PM
aurorafinancial$50.00$50.003/23/2010 3:58:51 PM
asset-professor$75.00$75.003/23/2010 4:02:18 PM
RandyL3$33.00$33.003/23/2010 4:03:33 PM
shrewd-deal$25.00$25.003/23/2010 4:03:43 PM
harmonious-revenue7$50.00$50.003/23/2010 4:00:21 PM
Havana21$50.00$50.003/23/2010 4:04:33 PM
Attract$25.00$25.003/23/2010 4:04:44 PM
economy-producer$25.00$25.003/23/2010 4:05:09 PM
honorable-yield$50.00$50.003/23/2010 4:01:48 PM
trident9$25.00$25.003/23/2010 4:02:00 PM
the-profit-oracle$25.00$25.003/23/2010 4:57:32 PM
windfall46$25.00$25.003/23/2010 4:58:51 PM
zymotico$25.00$25.003/23/2010 7:45:55 PM
thedoctor$25.00$25.003/23/2010 8:32:29 PM
desertoasis$25.00$25.003/23/2010 8:52:22 PM
chekat$25.00$25.003/24/2010 3:58:28 AM
alpinaut$25.00$25.003/24/2010 5:53:18 AM
FairbairnSG$25.00$25.003/24/2010 9:00:04 AM
briphi$25.00$25.003/24/2010 6:58:10 AM
ideal-penny8$25.00$25.003/24/2010 9:39:32 AM
rmachi$25.00$25.003/24/2010 11:05:47 AM
radforj22$25.00$25.003/24/2010 11:21:10 AM
buckyhead2000$25.00$25.003/24/2010 11:20:39 AM
Panna$25.00$25.003/24/2010 11:18:27 AM
gain-seagull9$25.00$25.003/24/2010 11:21:18 AM
maintenanceboss$25.00$25.003/24/2010 12:04:57 PM
fightinjoe$25.00$25.003/24/2010 12:05:53 PM
KandKLegacyInvestments$25.00$25.003/24/2010 12:19:06 PM
akakii$25.00$25.003/24/2010 12:57:01 PM
decisive-marketplace3$25.00$25.003/24/2010 3:18:03 PM
keyfig$31.63$31.633/24/2010 4:59:46 PM
red-favorable-basis$25.00$25.003/24/2010 6:10:23 PM
Cai8899$75.00$75.003/24/2010 6:10:25 PM
mikeandcat$100.00$100.003/24/2010 6:10:40 PM
cello1$25.00$25.003/24/2010 7:28:08 PM
reueljw$25.00$25.003/24/2010 6:58:08 PM
stock106$25.00$25.003/25/2010 6:04:05 AM
orange-mighty-finance$25.00$25.003/25/2010 8:09:53 AM
zski$25.00$25.003/25/2010 8:11:42 AM
responsibility-euphoria0$25.00$25.003/25/2010 8:11:44 AM
healthy-p2ploan$25.00$25.003/25/2010 9:33:15 AM
JoeXB$25.00$25.003/25/2010 9:29:11 AM
antrux$25.00$25.003/25/2010 9:33:23 AM
currency-sergeant$25.00$25.003/25/2010 9:33:52 AM
Nerdster1$25.00$25.003/25/2010 9:34:01 AM
AFairDeal$25.00$25.003/25/2010 7:48:03 AM
Medic05$25.00$25.003/25/2010 10:30:16 AM
green-unassailable-investment$25.00$25.003/25/2010 10:30:42 AM
loan-warrior$25.00$25.003/25/2010 8:11:23 AM
WhiteSapphire$25.00$25.003/25/2010 10:30:30 AM
MAKEITAUTOMATIC$25.00$25.003/25/2010 8:52:51 AM
gmacpurifier$25.00$25.003/25/2010 10:32:12 AM
HUNTER599673$25.00$25.003/25/2010 10:39:17 AM
Fuzkaska__F_u_n_d_s$25.00$25.003/25/2010 10:39:13 AM
Yotaman$25.00$25.003/25/2010 10:39:20 AM
tokyopete23$25.00$25.003/25/2010 10:39:26 AM
SonomaHills$25.00$25.003/25/2010 10:39:35 AM
otter$25.00$25.003/25/2010 10:39:39 AM
mathomas3$25.00$25.003/25/2010 10:32:00 AM
webfeet$25.00$25.003/25/2010 10:39:04 AM
Ivan2007$25.00$25.003/25/2010 10:39:23 AM
MrG$25.00$25.003/25/2010 10:39:33 AM
get30inc$39.05$39.053/25/2010 10:39:36 AM
170 bids
 
Borrower Payment Dependent Notes Series 448495
This series of Notes was issued and sold upon the funding of the borrower loan #41514, 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:  Mar-01-2010 
  Auction end date:  Mar-08-2010 
 
Starting lender yield: 9.39% Starting borrower rate/APR: 10.39% / 12.50% Starting monthly payment: $259.60
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $258.89
 
Auction yield range: 4.05% - 9.39% 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: Jun-1991 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 12Length of status:2y 11m
Credit score: 760-779 (Mar-2010) Total credit lines: 37 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $19,003Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: debt-adventure Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 760-779 (Latest)
Principal borrowed: $14,000.00< mo. late: 0 ( 0% )  
740-759 (Sep-2008)
 
Principal balance: $7,996.48 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Proven Prosper Payer!
Purpose of loan: Refinance remainder of credit card debt.
I took a prosper loan in 2008 while working on my nurse practitioner masters degree. I'm finished with my training now, and I have never been late on a payment.?
My financial situation:
I am a good candidate for this loan because? I have a very good, secure job as a NP, and a proven track record with prosper.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Tahoeguy$50.00$50.003/1/2010 4:13:39 PM
desertoasis$25.00$25.003/1/2010 4:24:37 PM
skuba$25.00$25.003/1/2010 4:25:48 PM
asset-professor$75.00$75.003/1/2010 4:39:02 PM
xstreamin$25.00$25.003/1/2010 4:43:00 PM
torion$25.00$25.003/1/2010 4:43:50 PM
friendly-market5$25.00$25.003/1/2010 4:44:12 PM
foxy-fund$50.00$50.003/1/2010 4:44:41 PM
personal-lender$25.00$25.003/1/2010 4:49:10 PM
luckyldy$35.00$35.003/1/2010 4:43:12 PM
jigsaw$100.00$100.003/1/2010 4:43:29 PM
bonafide-cash$50.00$50.003/1/2010 4:43:40 PM
tranquil-diversification8$25.00$25.003/1/2010 4:45:52 PM
integrity-doctor$50.00$50.003/1/2010 4:54:23 PM
top-silver-american$25.00$25.003/1/2010 4:54:33 PM
burrito6$25.00$25.003/1/2010 4:46:28 PM
Phantom99$25.00$25.003/1/2010 4:54:55 PM
honorable-yield$50.00$50.003/1/2010 4:55:41 PM
melodious-fairness$25.00$25.003/1/2010 4:55:49 PM
intelligent-yield$25.00$25.003/1/2010 4:57:37 PM
mg6619$25.00$25.003/1/2010 4:49:35 PM
BlindJoeDeath$25.00$25.003/1/2010 4:50:10 PM
Kaj$25.00$25.003/1/2010 4:49:12 PM
charming-point$300.00$300.003/1/2010 4:49:20 PM
1phantom$25.00$25.003/1/2010 4:51:48 PM
Tallac-Capital$25.00$25.003/1/2010 5:00:23 PM
b0b$25.00$25.003/1/2010 4:51:20 PM
entertaining-greenback2$25.00$25.003/1/2010 5:00:58 PM
vault893$50.00$50.003/1/2010 4:54:00 PM
important-ore$50.00$50.003/1/2010 4:52:44 PM
fcukciti$25.00$25.003/1/2010 4:55:13 PM
lloyd_s$25.00$25.003/1/2010 4:54:11 PM
happy-return4$25.00$25.003/1/2010 4:54:19 PM
RandyL3$33.00$33.003/1/2010 4:57:03 PM
charming-dime$25.00$25.003/1/2010 4:57:57 PM
Glovez2$30.00$30.003/1/2010 4:56:15 PM
cathexis$25.00$25.003/1/2010 4:56:20 PM
Goodlender42$25.00$25.003/1/2010 4:56:50 PM
mattpet$25.00$25.003/1/2010 4:59:13 PM
new-marketplace-lyrics$25.00$25.003/1/2010 4:57:43 PM
nybanker85$25.00$25.003/1/2010 5:00:39 PM
bowdish1$57.68$57.683/1/2010 5:26:52 PM
boater01$29.55$29.553/1/2010 5:27:29 PM
helping-out$25.00$25.003/1/2010 4:59:36 PM
justice-magnate$25.00$25.003/1/2010 5:03:12 PM
bright-investment$25.00$25.003/1/2010 5:02:13 PM
balance6$25.00$25.003/1/2010 5:19:57 PM
Fortuno_per_commodo$45.43$45.433/1/2010 5:21:11 PM
bxdoc$200.00$200.003/1/2010 5:04:05 PM
fsa3$25.00$25.003/1/2010 5:26:16 PM
Steveoo1$25.00$25.003/1/2010 5:26:40 PM
jasmarc$25.00$25.003/1/2010 5:27:07 PM
Orringo$75.00$75.003/1/2010 5:27:17 PM
excellent-greenback$25.00$25.003/1/2010 5:29:35 PM
platinum-sorcerer6$25.00$25.003/1/2010 5:36:41 PM
rcc7$25.00$25.003/1/2010 5:51:43 PM
senorzookeeper$25.00$25.003/1/2010 5:52:42 PM
elevated-platinum5$49.02$49.023/1/2010 7:40:52 PM
JGB$25.00$25.003/1/2010 8:40:20 PM
calm-deal7$25.00$25.003/1/2010 7:40:58 PM
psztnrw$56.32$56.323/1/2010 8:40:19 PM
rooosta$25.00$25.003/1/2010 10:37:05 PM
kaspernkubby$25.00$25.003/2/2010 12:51:44 AM
methodical-greenback5$50.00$46.813/2/2010 2:05:39 AM
value-pole$25.00$25.003/1/2010 9:20:29 PM
ladderskibum$25.00$25.003/1/2010 10:00:23 PM
ijspence$25.00$25.003/2/2010 10:27:03 AM
BigGuyBank$25.00$25.003/2/2010 5:15:20 AM
treasure-ace$25.00$25.003/2/2010 10:28:23 AM
tennispt$25.00$25.003/2/2010 10:28:27 AM
BigMoney56$25.00$25.003/2/2010 10:28:30 AM
heng2x$25.00$25.003/2/2010 10:28:26 AM
dontscrewmeover1$25.00$25.003/2/2010 12:00:58 PM
agab$25.00$25.003/3/2010 7:26:54 AM
blissful-note7$25.00$25.003/3/2010 1:09:45 AM
billnsc$25.00$25.003/4/2010 7:21:09 AM
wojo$25.91$25.913/3/2010 5:01:42 PM
anacho4me$25.00$25.003/4/2010 11:03:54 AM
LittleMingo$26.89$26.893/4/2010 6:18:25 PM
Simply2fly$25.00$25.003/5/2010 8:17:36 AM
springpanda$25.00$25.003/5/2010 1:03:10 PM
4est$25.00$25.003/5/2010 4:03:53 PM
Dskillz$39.91$39.913/5/2010 6:12:11 PM
RiskAdverse$25.00$25.003/5/2010 7:15:25 PM
gothampark$25.00$25.003/6/2010 10:02:26 AM
spiff666$25.00$25.003/6/2010 2:34:45 PM
shrewd-income$50.00$50.003/6/2010 2:39:26 PM
rpg$50.00$50.003/7/2010 11:20:18 AM
BeeHive$50.00$50.003/7/2010 2:45:59 PM
TJ-Financial-Group$30.00$30.003/7/2010 3:26:40 PM
helpneachother$30.00$30.003/7/2010 6:56:27 AM
ninjak80$25.91$25.913/8/2010 8:18:16 AM
jybank$25.00$25.003/7/2010 11:04:30 PM
dorypro$25.00$25.003/8/2010 10:30:25 AM
improvman$25.00$25.003/8/2010 10:50:41 AM
velocity-winner$25.00$25.003/8/2010 1:30:27 PM
eclicknsave$25.00$25.003/8/2010 1:43:35 PM
twerns$40.00$40.003/8/2010 10:54:56 AM
myduck$100.00$100.003/8/2010 2:50:00 PM
1SteelerFan$25.00$25.003/8/2010 11:38:50 AM
Torero06$50.00$50.003/8/2010 1:51:16 PM
AF-Chief$28.00$28.003/1/2010 4:27:45 PM
kbodendorf$25.00$25.003/1/2010 4:39:42 PM
natural-greenback6$25.00$25.003/1/2010 4:32:17 PM
nourishing-interest0$25.00$25.003/1/2010 4:42:07 PM
credit-kahuna$100.00$100.003/1/2010 4:42:27 PM
egw$25.00$25.003/1/2010 4:34:28 PM
hitsman$50.00$50.003/1/2010 4:42:35 PM
Clambake$50.00$50.003/1/2010 4:42:57 PM
tntbuzz$25.00$25.003/1/2010 4:43:25 PM
best-deal-banker$25.00$25.003/1/2010 4:44:10 PM
Avala$50.00$50.003/1/2010 4:44:16 PM
red-undaunted-kindness$100.00$100.003/1/2010 4:44:28 PM
micko$25.00$25.003/1/2010 4:38:23 PM
enthusiastic-balance5$100.00$100.003/1/2010 4:39:53 PM
the-profit-oracle$25.00$25.003/1/2010 4:47:27 PM
KrazyCelticKid$75.00$75.003/1/2010 4:39:21 PM
jdrez$25.00$25.003/1/2010 4:47:53 PM
Microfinancer$25.00$25.003/1/2010 4:40:08 PM
wise-handy-finance$25.00$25.003/1/2010 4:48:16 PM
macjp123$25.00$25.003/1/2010 4:41:56 PM
progressive-asset$100.00$100.003/1/2010 4:42:11 PM
Banker7371$25.00$25.003/1/2010 4:42:21 PM
success1001$50.00$50.003/1/2010 4:50:22 PM
sammyhammy$25.00$25.003/1/2010 4:51:07 PM
irrelevant$25.00$25.003/1/2010 4:51:39 PM
Big_Baller$25.00$25.003/1/2010 4:52:57 PM
gavinfh$25.00$25.003/1/2010 4:45:37 PM
Fiimg$50.00$50.003/1/2010 4:44:37 PM
mpatrick$25.00$25.003/1/2010 4:47:03 PM
bold-durability-drum$25.00$25.003/1/2010 4:48:08 PM
Aimvest$25.00$25.003/1/2010 4:49:52 PM
PaulHenry$25.00$25.003/1/2010 4:58:08 PM
flexible-value$26.00$26.003/1/2010 4:48:46 PM
runner262$25.00$25.003/1/2010 4:58:32 PM
delicious-social132$25.00$25.003/1/2010 4:49:14 PM
BuffetRocks$50.00$50.003/1/2010 5:01:12 PM
balance-whistle7$25.00$25.003/1/2010 5:03:17 PM
dmfog$25.00$25.003/1/2010 4:53:16 PM
DeilaMiah$25.00$25.003/1/2010 5:16:33 PM
yachtmaster45$25.00$25.003/1/2010 4:54:06 PM
kmr2$200.00$200.003/1/2010 4:56:13 PM
money-maniac$50.00$50.003/1/2010 4:56:33 PM
tallmon$25.00$25.003/1/2010 4:55:08 PM
Noseel$50.00$50.003/1/2010 4:58:46 PM
adir1$25.00$25.003/1/2010 4:57:13 PM
inspired-contract9$25.00$25.003/1/2010 4:59:41 PM
platinum-platoon$25.00$25.003/1/2010 5:00:12 PM
mikeandcat$50.00$50.003/1/2010 5:02:01 PM
trade-charmer5$25.00$25.003/1/2010 5:02:28 PM
studious-bonus7$50.00$50.003/1/2010 5:02:34 PM
unassuming-reward$25.00$25.003/1/2010 5:03:39 PM
ptjg$50.00$50.003/1/2010 5:21:19 PM
selector568$300.00$300.003/1/2010 5:19:44 PM
note-sensation$25.00$25.003/1/2010 9:50:24 PM
jrbill1998$50.00$50.003/1/2010 10:36:27 PM
availableloan$25.00$25.003/1/2010 5:30:03 PM
Gelden1$25.00$25.003/1/2010 5:36:24 PM
LoisLoan$25.00$25.003/1/2010 5:40:32 PM
Speculator$25.00$25.003/1/2010 6:25:29 PM
aasx1108$25.00$25.003/1/2010 5:30:05 PM
CAGE-Investments$38.29$38.293/1/2010 7:20:22 PM
PatriotKnight$25.00$25.003/1/2010 5:36:33 PM
orgy63$25.00$25.003/1/2010 7:40:53 PM
cticemomof3$25.00$25.003/1/2010 5:40:31 PM
Zeus82$25.00$25.003/1/2010 7:56:36 PM
simpy$25.00$25.003/1/2010 6:15:23 PM
Savings_EQ_Dignity$27.90$27.903/1/2010 9:20:22 PM
Wings06J$25.00$25.003/1/2010 8:22:57 PM
richt2$25.00$25.003/2/2010 12:51:03 AM
Dutchhunter$25.00$25.003/1/2010 9:16:17 PM
SnE$25.00$25.003/1/2010 10:40:18 PM
leverage-holly$25.00$25.003/1/2010 11:30:21 PM
FmrEngr2Phd$25.00$25.003/2/2010 10:25:47 AM
Lilred7879$50.00$50.003/2/2010 10:28:29 AM
Casper00$25.00$25.003/2/2010 10:28:02 AM
tisiphone$25.00$25.003/2/2010 11:15:55 AM
bonus-adventure3$25.00$25.003/3/2010 10:13:41 AM
usedtoborrow$66.39$66.393/4/2010 1:27:50 PM
KingCroesus$25.00$25.003/4/2010 10:26:31 PM
qkinger$50.00$50.003/4/2010 5:50:35 PM
Patrician$25.00$25.003/5/2010 12:33:30 PM
alex206$28.41$28.413/5/2010 1:17:32 PM
payontime1$50.00$50.003/5/2010 4:49:15 PM
CA_Lender$25.00$25.003/5/2010 10:46:31 PM
groovychick$25.00$25.003/6/2010 2:52:23 AM
420limo$250.00$250.003/6/2010 9:10:51 AM
Middleschoolmathteacher$50.00$50.003/6/2010 9:35:34 AM
BlueProteus$25.00$25.003/6/2010 8:15:06 AM
Kelor99$25.00$25.003/6/2010 12:19:47 PM
Makemony$50.00$50.003/6/2010 12:56:56 PM
ommuruga$55.47$55.473/6/2010 7:39:41 PM
tnylight$50.00$50.003/7/2010 10:53:42 AM
RainMakers$25.00$25.003/7/2010 7:41:32 PM
webfeet$50.00$50.003/8/2010 5:55:50 AM
riv701$25.00$25.003/8/2010 5:46:25 AM
rate-hickory$25.00$25.003/8/2010 9:42:27 AM
CashBank$25.00$25.003/8/2010 8:56:03 AM
Jcardone33$25.00$25.003/8/2010 9:59:17 AM
shrewd-income$100.00$100.003/8/2010 11:34:09 AM
chicagoprosper$50.00$50.003/8/2010 12:46:08 PM
interact$28.11$28.113/8/2010 1:08:20 PM
careful-compassion$25.00$25.003/8/2010 2:14:02 PM
exact-peso2$25.00$25.003/8/2010 3:36:34 PM
wwwUniversal$25.00$25.003/8/2010 4:05:03 PM
205 bids
 
Borrower Payment Dependent Notes Series 448815
This series of Notes was issued and sold upon the funding of the borrower loan #41471, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Mar-05-2010 
  Auction end date:  Mar-11-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 33.15% Final borrower rate/APR: 34.15% / 36.59% Final monthly payment: $111.89
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 17.62%  
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: Feb-1996 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:8y 6m
Credit score: 660-679 (Mar-2010) Total credit lines: 25 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $9,905Stated income:$25,000-$49,999
Amount delinquent: $256 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: martinhf Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate and reduce the interest rate of my credit card debt

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kginatl$49.91$49.913/5/2010 4:43:29 PM
KiwiElf$25.00$25.003/5/2010 4:43:51 PM
silver-armada$50.00$50.003/5/2010 4:43:56 PM
flwah$25.00$25.003/5/2010 4:43:58 PM
mathprof$25.00$25.003/5/2010 4:44:08 PM
runner262$25.00$25.003/5/2010 4:44:19 PM
deal-hickory5$25.00$25.003/5/2010 4:45:23 PM
PatRichi$25.00$25.003/5/2010 4:49:46 PM
seisen$100.00$100.003/5/2010 4:49:59 PM
social-conductor4$25.00$25.003/5/2010 4:43:33 PM
shrewd-peace7$25.00$25.003/5/2010 4:43:37 PM
asmithj$50.00$50.003/5/2010 4:43:52 PM
AceInTheHole$25.00$25.003/5/2010 4:44:50 PM
rdecartus$25.00$25.003/5/2010 4:45:00 PM
Kaj$25.00$25.003/5/2010 4:49:54 PM
oldmora$25.00$25.003/5/2010 4:50:00 PM
Turtlebear44$25.00$25.003/5/2010 4:43:49 PM
tallmon$25.00$25.003/5/2010 4:44:23 PM
schnatty$25.00$25.003/5/2010 4:44:45 PM
majorf2136$25.00$25.003/5/2010 4:44:56 PM
NoMoreDebt4Me$32.33$32.333/5/2010 4:49:31 PM
gustavzantanon$30.40$30.403/5/2010 4:49:44 PM
autonomous-truth$25.00$25.003/5/2010 4:50:08 PM
lucrative-loan$150.00$150.003/5/2010 5:13:34 PM
UCLA4life$25.00$25.003/5/2010 5:10:24 PM
Peterman$35.00$35.003/6/2010 9:38:20 PM
Ronnieboy888$50.00$50.003/6/2010 1:50:11 PM
natural-greenback6$25.00$25.003/10/2010 8:27:50 AM
hektek22$25.00$25.003/10/2010 6:11:31 PM
realtormoises$25.00$25.003/11/2010 9:36:52 AM
forthright-dedication$100.00$100.003/5/2010 4:43:43 PM
DadWarbucks$25.00$25.003/5/2010 4:43:54 PM
yeti888$25.00$25.003/5/2010 4:43:35 PM
diplomatic-point4$95.07$95.073/5/2010 4:43:39 PM
hans6883$25.00$25.003/5/2010 4:44:04 PM
compsciman$50.00$50.003/5/2010 4:44:54 PM
AF-Chief$28.00$28.003/5/2010 4:50:05 PM
desertoasis$50.00$19.293/5/2010 4:50:11 PM
famous-bill$25.00$25.003/5/2010 4:43:41 PM
treasure-bliss$100.00$100.003/5/2010 4:44:02 PM
Speculator$100.00$100.003/5/2010 4:45:48 PM
rlgnyc$100.00$100.003/5/2010 4:49:34 PM
SolarMoonshine$25.00$25.003/5/2010 5:35:47 PM
Bob450$50.00$50.003/5/2010 9:11:48 PM
foothillender$25.00$25.003/6/2010 7:48:19 AM
farblest$50.00$50.003/7/2010 11:29:04 AM
LuvToLend$25.00$25.003/7/2010 12:48:45 PM
charming-point$300.00$300.003/10/2010 12:30:50 PM
moola-man$25.00$25.003/10/2010 3:09:48 PM
sweet-payout5$25.00$25.003/10/2010 4:57:51 PM
VitaminFunk$25.00$25.003/10/2010 5:12:02 PM
penny-sergeant$25.00$25.003/11/2010 5:33:16 AM
brokerplus$35.00$35.003/11/2010 2:36:01 AM
Leshan$25.00$25.003/11/2010 2:08:33 PM
maccpro1$50.00$50.003/11/2010 3:20:24 PM
scottjbarn$50.00$50.003/11/2010 4:38:20 PM
56 bids
 
Borrower Payment Dependent Notes Series 449377
This series of Notes was issued and sold upon the funding of the borrower loan #41560, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-08-2010 
  Auction end date:  Mar-15-2010 
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $275.79
Final lender yield: 9.00% Final borrower rate/APR: 10.00% / 12.11% Final monthly payment: $274.27
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
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: 25%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:11y 6m
Credit score: 780-799 (Mar-2010) Total credit lines: 16 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,048Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: SugarlandGirl Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinancing Auto
Purpose of loan:
This loan will be used refinance my auto loan with Wells Fargo.? I currently owe about $8,500 and the minimum monthly payment is $570.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time, have been with the same employer for 12 years, are currently paying a higher minimum payment than what this loan will be.
Information in the Description is not verified.
Friends And Family Winning Bids
PayingItForwardPlease has bid a total of $6,575.00 in winning bids.
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
egw$25.00$25.003/8/2010 4:25:05 PM
availableloan$25.00$25.003/8/2010 4:51:43 PM
preventivepestcontrol$75.00$75.003/11/2010 10:20:23 AM
Dollars4Rent$25.00$25.003/12/2010 8:28:10 AM
bondhedger$25.00$25.003/12/2010 9:43:32 AM
twerns$40.00$40.003/12/2010 9:54:02 AM
dickiesweetboy$75.00$75.003/12/2010 7:49:28 PM
kokomorock$25.00$25.003/12/2010 8:10:44 PM
PayingItForwardPlease$673.08$673.083/13/2010 7:30:51 AM
PayingItForwardPlease$500.00$500.003/13/2010 7:32:02 AM
Montgomery-Burns$25.00$25.003/13/2010 7:42:49 AM
Dskillz$27.00$27.003/13/2010 8:28:08 AM
adir1$25.00$25.003/13/2010 8:59:19 AM
cautious1$50.00$50.003/13/2010 4:44:31 PM
PayingItForwardPlease$250.00$250.003/14/2010 10:10:42 AM
vutah$25.00$25.003/14/2010 5:56:41 PM
shrewd-asset$50.00$50.003/14/2010 6:05:44 PM
serene-truth2$25.00$25.003/14/2010 9:09:41 PM
rate-hickory$25.00$25.003/15/2010 10:17:17 AM
empire9$25.00$25.003/15/2010 3:33:08 PM
wojo$25.00$25.003/15/2010 3:42:17 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:49:56 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:51:42 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:53:04 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:53:21 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:48:51 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:49:42 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:54:28 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:54:00 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:54:45 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:56:07 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:56:21 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:57:59 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:56:49 PM
invest0808$25.00$25.003/15/2010 4:03:53 PM
PayingItForwardPlease$73.93$73.933/15/2010 3:48:34 PM
PayingItForwardPlease$25.00$25.003/15/2010 3:49:26 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:50:42 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:52:40 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:53:34 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:57:31 PM
selector568$400.00$400.003/8/2010 4:45:37 PM
PayingItForwardPlease$550.00$550.003/8/2010 6:12:46 PM
GoofyFan$100.00$100.003/9/2010 5:57:33 AM
PayingItForwardPlease$900.00$900.003/9/2010 6:05:34 AM
dontscrewmeover1$25.00$25.003/9/2010 7:39:45 AM
Kelor99$25.00$25.003/9/2010 11:11:37 AM
ELPLady$100.00$100.003/10/2010 8:19:37 AM
fair_rates$25.00$25.003/11/2010 1:42:08 PM
aganippe$25.00$25.003/11/2010 6:05:08 PM
Sven79$150.00$150.003/11/2010 9:14:53 PM
welshcat$100.00$100.003/12/2010 4:20:46 AM
RandyL3$33.00$33.003/12/2010 7:55:37 AM
Hephaistion$25.00$25.003/13/2010 9:16:32 AM
debbymcc$25.00$25.003/13/2010 7:12:46 PM
PayingItForwardPlease$250.00$250.003/13/2010 8:41:00 PM
PayingItForwardPlease$250.00$250.003/13/2010 8:44:05 PM
EasternLender$25.00$25.003/13/2010 2:17:00 PM
JerryB96$25.00$25.003/14/2010 8:03:47 AM
justin323$25.00$25.003/13/2010 10:10:28 PM
USMP$100.00$100.003/14/2010 7:42:19 PM
the-profit-oracle$25.00$25.003/15/2010 5:28:59 AM
favorite-commerce$25.00$25.003/15/2010 10:00:29 AM
wwwUniversal$25.00$25.003/15/2010 3:48:35 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:51:08 PM
PayingItForwardPlease$73.93$73.933/15/2010 3:48:21 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:53:47 PM
PayingItForwardPlease$98.93$50.003/15/2010 3:49:11 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:54:16 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:51:28 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:55:55 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:55:06 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:57:06 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:55:21 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:56:35 PM
PayingItForwardPlease$98.00$98.003/15/2010 3:57:45 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:50:12 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:52:01 PM
PayingItForwardPlease$98.93$98.933/15/2010 3:52:14 PM
PayingItForwardPlease$26.97$26.973/15/2010 3:58:19 PM
80 bids
 
Borrower Payment Dependent Notes Series 450105
This series of Notes was issued and sold upon the funding of the borrower loan #41520, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $111.92
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $111.63
 
Auction yield range: 4.04% - 8.38% 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: Feb-1993 Debt/Income ratio: 55%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 15Length of status:2y 7m
Credit score: 720-739 (Mar-2010) Total credit lines: 26 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $24,519Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: unbelievable-return8 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
pay bills/vacation/car repair
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
skuba$25.00$25.003/15/2010 5:01:16 PM
mg6619$25.00$25.003/15/2010 5:05:40 PM
delicious-social132$25.00$25.003/15/2010 5:05:20 PM
fightinjoe$25.00$25.003/15/2010 5:06:13 PM
torion$25.00$25.003/15/2010 5:04:07 PM
flexible-value$26.00$26.003/15/2010 5:10:17 PM
sharp-bill2$40.00$40.003/15/2010 5:06:24 PM
successful-euro$50.00$50.003/15/2010 5:10:56 PM
integrity-doctor$50.00$50.003/15/2010 5:11:38 PM
Gabriel02$25.00$25.003/15/2010 5:16:45 PM
irrelevant$25.00$25.003/15/2010 5:17:03 PM
scrappy-bonus2$25.00$25.003/15/2010 5:23:15 PM
hopethisworks$194.76$194.763/15/2010 5:29:37 PM
ScottW$25.00$25.003/15/2010 5:31:19 PM
mmckune$25.00$25.003/15/2010 5:26:49 PM
honorable-yield$50.00$50.003/15/2010 5:26:56 PM
Josta$50.00$50.003/15/2010 5:57:52 PM
the-profit-oracle$25.00$25.003/15/2010 6:37:39 PM
devoider$25.00$25.003/15/2010 7:04:10 PM
mikeandcat$25.00$25.003/15/2010 6:43:05 PM
bountiful-bazaar$25.00$25.003/15/2010 9:48:02 PM
happy-asset$25.00$25.003/16/2010 9:33:00 AM
desertoasis$25.00$25.003/16/2010 11:20:27 AM
nletunic$25.00$25.003/16/2010 1:12:35 PM
wise-silver-wonder$25.00$25.003/16/2010 3:04:38 PM
smart-return$25.00$25.003/16/2010 7:13:23 PM
truth-trapper$25.00$25.003/16/2010 6:49:13 PM
newgroom422$25.00$25.003/17/2010 1:29:26 AM
kmr2$25.84$25.843/16/2010 8:35:08 PM
chestnut4$25.00$25.003/17/2010 9:32:46 AM
GElender$50.00$50.003/17/2010 6:37:26 AM
rate-gravity$100.00$100.003/17/2010 9:33:08 AM
Aquani$37.28$37.283/17/2010 12:00:48 PM
ddog0224$25.00$25.003/17/2010 2:14:32 PM
red-favorable-basis$25.00$25.003/17/2010 3:03:30 PM
Cai8899$50.00$50.003/17/2010 3:15:19 PM
Sam65$25.00$25.003/17/2010 3:47:46 PM
wwwUniversal$25.00$25.003/17/2010 5:02:52 PM
Hokiemon$74.88$74.883/17/2010 10:47:41 PM
KHU2-B$25.00$25.003/18/2010 7:22:53 AM
HHP$25.00$25.003/18/2010 8:44:51 AM
KiwiElf$25.00$25.003/18/2010 11:34:24 AM
TheColoradoDon$25.00$8.073/18/2010 1:43:46 PM
nolahelper$30.00$30.003/19/2010 6:35:21 AM
TheCount$100.00$100.003/19/2010 6:59:20 AM
felicity-loyalist0$40.00$40.003/19/2010 9:25:01 PM
ppls1000$25.00$25.003/21/2010 10:28:34 AM
Richmp412$25.00$25.003/22/2010 8:16:29 AM
wild-orange$25.00$25.003/22/2010 2:33:11 PM
Clambake$50.00$50.003/15/2010 5:03:36 PM
Avala$50.00$50.003/15/2010 5:04:23 PM
personal-lender$25.00$25.003/15/2010 5:04:45 PM
inspired-contract9$25.00$25.003/15/2010 5:06:48 PM
macjp123$25.00$25.003/15/2010 5:03:31 PM
tenacious-compassion9$25.00$25.003/15/2010 5:11:12 PM
bonus-adventure3$25.00$25.003/15/2010 5:07:16 PM
figs4u2$100.00$100.003/15/2010 5:12:19 PM
AF-Chief$28.00$28.003/15/2010 5:18:08 PM
bchen78875$25.00$25.003/15/2010 5:20:32 PM
cingular$25.00$25.003/15/2010 5:29:59 PM
important-ore$50.00$50.003/15/2010 5:31:40 PM
Interloper$35.00$35.003/15/2010 5:39:15 PM
micko$25.00$25.003/15/2010 5:57:35 PM
brazilofmux$25.26$25.263/15/2010 5:57:47 PM
Supernick$25.00$25.003/15/2010 5:41:09 PM
phredd$39.88$39.883/15/2010 7:07:19 PM
Streetfighter$50.00$50.003/16/2010 5:37:42 AM
trade-doughnut5$25.00$25.003/16/2010 8:02:31 AM
unforgettable-order9$100.00$100.003/16/2010 9:33:16 AM
kmfreymi$25.00$25.003/16/2010 9:38:20 AM
cathexis$100.00$100.003/16/2010 10:23:29 AM
don8ter$25.00$25.003/16/2010 11:29:55 AM
enthusiastic-balance5$100.00$100.003/16/2010 1:13:00 PM
mpactlender$25.00$25.003/16/2010 4:32:55 PM
payment-piledriver$25.00$25.003/16/2010 6:28:55 PM
AndersenWatcher$25.00$25.003/16/2010 3:27:21 PM
visionary-currency$43.89$43.893/16/2010 6:28:39 PM
jokerj006$25.00$25.003/17/2010 7:50:17 AM
fcukciti$50.00$50.003/17/2010 5:12:46 AM
anton$40.97$40.973/17/2010 7:29:11 AM
Patter256$25.00$25.003/17/2010 10:59:04 AM
HedgeFund$40.00$40.003/17/2010 11:13:02 AM
rapid-credit428$25.00$25.003/17/2010 2:52:57 PM
duty-monger$30.17$30.173/17/2010 4:23:41 PM
unclejaef$25.00$25.003/18/2010 5:23:49 AM
chipperjohnson$25.00$25.003/18/2010 6:32:28 AM
metro457$25.00$25.003/18/2010 8:47:16 AM
oreyedoc$25.00$25.003/18/2010 10:25:57 AM
srgriff$25.00$25.003/18/2010 1:09:02 PM
liederhaus$50.00$50.003/20/2010 10:32:27 AM
ItNoKnot$30.00$30.003/20/2010 9:03:07 AM
1SteelerFan$35.00$35.003/20/2010 12:48:06 PM
Aridus$25.00$25.003/21/2010 10:16:59 PM
toocautious$50.00$50.003/22/2010 8:23:35 AM
JABank$25.00$25.003/22/2010 9:23:18 AM
95 bids
 
Borrower Payment Dependent Notes Series 450441
This series of Notes was issued and sold upon the funding of the borrower loan #41489, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Mar-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 12.01% Starting borrower rate/APR: 13.01% / 13.36% Starting monthly payment: $303.29
Final lender yield: 10.50% Final borrower rate/APR: 11.50% / 11.85% Final monthly payment: $296.78
 
Auction yield range: 3.04% - 12.01% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1999 Debt/Income ratio: 3%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:0y 5m
Credit score: 820-839 (Mar-2010) Total credit lines: 27 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $1,524Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: nourishing-hope835 Borrower's state: SouthCarolina 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
Want to fix up rental house
Purpose of loan:
I have a rental unit that needs new siding and windows. I need to improve the unit so I can get it rented out again and give the tenants a hassle free experience.

My financial situation:
I am a good candidate for this loan because once the rental is rented out I will collect $700 a month.
Besides that I can pay the monthly loan amount from my current income without needing the rental income.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is the vacancy rate in this rental's location? - integrity-broker
A: Normally around 10%, with upgrades I can rent to a section 8 tenant and have a minimum 2 year lease. But pretty good overall. (Mar-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
dontscrewmeover1$25.00$25.003/17/2010 10:00:41 AM
a8h8a8$25.00$25.003/17/2010 10:00:50 AM
bradfid$50.00$50.003/17/2010 10:05:57 AM
seattle$25.00$25.003/17/2010 10:06:05 AM
ArashMass$30.00$30.003/17/2010 10:06:36 AM
loaninvesting$25.00$25.003/17/2010 10:13:19 AM
CallMeBen$50.00$50.003/17/2010 10:15:20 AM
Jynxie$50.00$50.003/17/2010 10:16:41 AM
blackstar$25.00$25.003/17/2010 10:13:28 AM
cash-sensai2$25.00$25.003/17/2010 10:13:37 AM
cowboyskier$50.00$50.003/17/2010 10:23:39 AM
availableloan$25.00$25.003/17/2010 10:21:49 AM
TechnologyGuy$25.00$25.003/17/2010 10:25:40 AM
ekmendenhall$35.00$35.003/17/2010 10:25:37 AM
BigMonkey$25.00$25.003/17/2010 10:35:12 AM
NomoredebtCA$25.00$25.003/17/2010 10:34:38 AM
sflawya$25.00$25.003/17/2010 10:34:46 AM
here2lend$25.00$25.003/17/2010 10:35:15 AM
BankerJohn$50.00$50.003/17/2010 10:56:47 AM
CIC$25.00$25.003/17/2010 10:45:56 AM
building_community$25.00$25.003/17/2010 10:57:05 AM
turbospeed$25.00$25.003/17/2010 10:43:20 AM
lendermender$25.00$25.003/17/2010 11:08:10 AM
webfeet$25.00$25.003/17/2010 2:21:51 PM
FinDoc$25.00$25.003/17/2010 3:22:30 PM
jey6941$25.00$25.003/17/2010 4:38:28 PM
iolaire$25.00$25.003/17/2010 6:11:31 PM
suburbanman64$35.00$35.003/17/2010 6:09:56 PM
aloha933$25.00$25.003/18/2010 9:35:39 AM
BankOfShaun$25.00$25.003/18/2010 4:21:15 PM
senior1$25.00$25.003/18/2010 4:46:04 PM
SOP_Bank$25.00$25.003/18/2010 6:04:25 PM
371millwood$200.00$200.003/19/2010 9:08:14 AM
trade-elm$100.00$100.003/19/2010 11:19:38 AM
BoughtTheFarm$25.00$25.003/19/2010 11:23:14 AM
Pilotaceh$25.00$25.003/19/2010 1:09:49 PM
cloud8$37.22$37.223/19/2010 4:12:50 PM
silver-armada$100.00$100.003/19/2010 5:02:28 PM
LarWit1512$25.00$25.003/19/2010 6:17:29 PM
dynrep$25.00$25.003/20/2010 5:18:10 AM
friendly-gold$50.00$50.003/20/2010 12:41:55 AM
ksubd$50.00$50.003/20/2010 1:23:30 AM
golden-point$28.21$28.213/20/2010 6:28:34 AM
selector568$400.00$400.003/20/2010 10:37:32 AM
EasternLender$25.00$25.003/20/2010 10:32:14 AM
JDLanier$25.00$25.003/20/2010 12:29:00 PM
grf1945$25.00$25.003/20/2010 4:33:11 PM
CERTIFIED$100.00$100.003/21/2010 8:32:24 AM
cashhelp$25.00$25.003/21/2010 1:57:12 PM
killdare$25.00$25.003/21/2010 1:24:53 PM
sunshinysmiles$25.00$25.003/21/2010 2:55:04 PM
loyalty-czar$105.55$105.553/22/2010 8:43:35 AM
lawyervon$25.00$25.003/22/2010 9:47:07 AM
SpectrumFinance$25.00$25.003/22/2010 9:57:51 AM
Gold_Coin$25.00$25.003/22/2010 10:36:38 AM
cashhelp$50.00$50.003/22/2010 10:36:34 AM
Piko$100.00$100.003/22/2010 10:38:07 AM
friendly-worth3$25.00$25.003/22/2010 11:11:52 AM
diicali$25.00$25.003/22/2010 2:16:57 PM
Torero06$50.00$50.003/22/2010 4:41:24 PM
gilbrear$25.00$25.003/22/2010 5:29:18 PM
lucrative-worth$50.00$50.003/22/2010 6:10:55 PM
gustavholstopus32$25.00$25.003/22/2010 8:53:22 PM
Flash80$100.00$100.003/22/2010 7:16:06 PM
Johnab$25.00$25.003/22/2010 8:42:06 PM
Flash80$75.00$75.003/22/2010 7:15:16 PM
interest88$25.00$25.003/22/2010 7:19:54 PM
pythia$25.00$25.003/23/2010 5:19:19 AM
goblin555$25.00$25.003/22/2010 9:56:32 PM
jimmya$31.59$31.593/23/2010 6:30:31 AM
BenOrt$25.00$25.003/23/2010 7:59:59 AM
Brklyn01$40.00$40.003/23/2010 6:33:30 AM
ferdberfel$50.00$50.003/23/2010 3:22:53 AM
ttnk62918$25.00$25.003/23/2010 9:32:44 AM
Gobsek$50.00$50.003/23/2010 11:49:58 AM
SOBRO-FINANCE$25.00$25.003/23/2010 11:50:48 AM
willinvest$25.00$25.003/23/2010 1:34:36 PM
leverage-monger$25.00$25.003/23/2010 3:08:15 PM
loanman2007$50.00$50.003/23/2010 12:59:06 PM
preciouschild$100.00$100.003/23/2010 4:16:07 PM
dogbait$50.00$50.003/23/2010 5:45:34 PM
trajames$60.43$60.433/23/2010 7:15:51 PM
BigSurf$35.00$35.003/23/2010 7:25:23 PM
cmdqueue$300.00$300.003/23/2010 7:12:19 PM
flshdaskll$25.00$25.003/23/2010 7:19:16 PM
tomjac2000$25.00$25.003/23/2010 6:05:55 PM
MonopolyDred$37.81$37.813/23/2010 6:23:30 PM
goldsun$25.00$25.003/23/2010 6:53:32 PM
rajs$500.00$231.163/23/2010 9:45:48 PM
Anamorph$25.00$25.003/23/2010 11:25:02 PM
dynrep$75.00$75.003/24/2010 6:24:14 AM
KapitalX$25.00$25.003/24/2010 1:53:33 AM
eagle1271$25.00$25.003/24/2010 7:15:19 AM
Risk_71$25.00$25.003/24/2010 6:48:03 AM
Realty24$35.00$35.003/24/2010 8:16:26 AM
rate-hickory$25.00$25.003/24/2010 8:41:49 AM
abfab1723$25.00$25.003/24/2010 6:41:23 AM
Memphis-King$65.00$65.003/24/2010 9:55:26 AM
louisprima$52.54$52.543/17/2010 10:01:19 AM
robot777$25.00$25.003/17/2010 10:05:46 AM
Mowine4me$25.00$25.003/17/2010 10:06:45 AM
saahilld$25.00$25.003/17/2010 10:00:13 AM
egw$25.00$25.003/17/2010 10:16:45 AM
mtp$50.00$50.003/17/2010 10:13:24 AM
fiscal65$25.00$25.003/17/2010 10:21:15 AM
Rattlehead$250.00$250.003/17/2010 10:21:18 AM
CIC$25.00$25.003/17/2010 10:46:31 AM
zento$25.00$25.003/17/2010 11:48:55 AM
orbiter614$37.94$37.943/17/2010 12:25:02 PM
ExcellentGreen$25.00$25.003/17/2010 4:37:57 PM
CSinvestments$31.58$31.583/17/2010 8:16:19 PM
larryboy10$25.00$25.003/17/2010 6:47:30 PM
KHU2-B$25.00$25.003/17/2010 9:23:35 PM
Guiren$100.00$100.003/17/2010 11:17:30 PM
micko$25.00$25.003/18/2010 8:58:53 AM
gavinsp$25.00$25.003/18/2010 9:51:02 AM
Zipperdu$50.00$50.003/18/2010 9:15:06 AM
inforapenny$25.00$25.003/18/2010 2:54:31 PM
the-auction-lotus$25.00$25.003/18/2010 4:26:37 PM
passivesf$25.00$25.003/18/2010 4:28:07 PM
principal-prodigy$25.00$25.003/18/2010 4:38:41 PM
chibear34$25.00$25.003/18/2010 5:33:34 PM
kokopuff$25.00$25.003/18/2010 8:22:56 PM
gsp1885$28.00$28.003/19/2010 12:39:19 AM
BoCo$25.00$25.003/19/2010 7:06:37 AM
Barky52$25.00$25.003/19/2010 5:41:25 AM
adhawan325$25.00$25.003/19/2010 9:35:46 AM
FjLenders$50.03$50.033/19/2010 11:23:12 AM
JKKCapital$25.00$25.003/19/2010 12:29:54 PM
springpanda$25.00$25.003/19/2010 1:15:24 PM
Sumach$25.00$25.003/19/2010 10:37:43 PM
power-secret-agent$50.00$50.003/20/2010 4:58:51 AM
GrayStudio$50.00$50.003/20/2010 5:18:01 AM
ALL-PRIME$25.00$25.003/20/2010 12:48:53 PM
Dollars4Rent$25.00$25.003/20/2010 2:04:26 PM
janus_god$30.00$30.003/20/2010 4:33:10 PM
hydrolucid$25.00$25.003/20/2010 4:48:06 PM
minista$25.00$25.003/20/2010 4:48:09 PM
income-fortress$50.00$50.003/21/2010 7:08:30 AM
silver-mastery$25.00$25.003/21/2010 7:12:11 AM
spiker77$50.00$50.003/21/2010 12:10:14 PM
SpectrumCapital$50.00$50.003/21/2010 1:57:18 PM
nakane66$25.00$25.003/21/2010 1:52:56 PM
sunshinysmiles$25.00$25.003/21/2010 2:56:03 PM
indiana3417$74.63$74.633/21/2010 7:46:56 PM
foldingbenny2$50.00$50.003/21/2010 8:46:10 PM
octoberfresh$25.00$25.003/22/2010 6:42:56 AM
aprilapril$25.00$25.003/22/2010 9:32:25 AM
crdcteng$50.00$50.003/22/2010 10:01:51 AM
pawnshopman$100.00$100.003/22/2010 10:13:33 AM
GoGators01$25.00$25.003/22/2010 9:58:14 AM
oldboter$50.00$50.003/22/2010 10:48:07 AM
allloans4me$39.40$39.403/22/2010 11:11:57 AM
asafb$60.00$60.003/22/2010 11:28:49 AM
miket71$33.96$33.963/22/2010 12:14:23 PM
lender124$25.00$25.003/22/2010 12:31:33 PM
reflective-rupee$100.00$100.003/22/2010 12:35:14 PM
g314$30.00$30.003/22/2010 12:39:48 PM
thrilling-nickel5$25.00$25.003/22/2010 4:48:13 PM
IP$50.00$50.003/22/2010 5:22:24 PM
AP2PLender$25.00$25.003/22/2010 5:34:04 PM
ptjg$54.65$54.653/22/2010 5:30:01 PM
dynrep$100.00$100.003/22/2010 5:35:54 PM
Ven58$25.00$25.003/22/2010 6:05:28 PM
elevated-finance$26.58$26.583/22/2010 8:44:01 PM
bizguy1982$25.00$25.003/22/2010 11:41:56 PM
shrewd-income$50.00$50.003/23/2010 5:53:30 AM
nduli$50.00$50.003/23/2010 10:34:53 AM
brightest-dignified-penny$25.00$25.003/23/2010 10:37:09 AM
lepolgr$50.00$50.003/23/2010 11:58:29 AM
Southern_Illinois_Girl$25.00$25.003/23/2010 12:37:00 PM
credit-panda1$50.00$50.003/23/2010 2:01:30 PM
durability-high-five$25.00$25.003/23/2010 1:27:30 PM
Astyanax$30.00$30.003/23/2010 12:59:25 PM
LEBO$25.00$25.003/23/2010 4:43:13 PM
sudeep104$25.00$25.003/23/2010 4:56:57 PM
gothampark$25.00$25.003/23/2010 9:00:09 PM
yield-quest$75.00$75.003/23/2010 8:59:43 PM
Spiv_51$50.00$50.003/24/2010 1:39:53 AM
Oakland$50.00$50.003/24/2010 5:44:17 AM
13loans$25.00$25.003/23/2010 9:45:57 PM
JackinGreen$92.89$92.893/24/2010 5:32:04 AM
crw1950$50.00$50.003/24/2010 7:04:02 AM
calbertrand$25.00$25.003/24/2010 6:42:11 AM
mitcha1$25.00$25.003/24/2010 5:22:53 AM
sgrjr$50.00$50.003/24/2010 9:24:51 AM
sincere-fund1$100.00$100.003/24/2010 7:43:03 AM
ajk_blue$25.00$25.003/24/2010 9:39:08 AM
CARedBull$50.00$50.003/24/2010 9:14:45 AM
funds-rascal$400.00$400.003/24/2010 9:20:57 AM
falcone$48.00$48.003/24/2010 9:43:36 AM
MTGuy$70.00$70.003/24/2010 9:38:54 AM
persistent-value3$102.83$102.833/24/2010 9:48:33 AM
broker558$25.00$25.003/24/2010 9:45:58 AM
194 bids
 
Borrower Payment Dependent Notes Series 450465
This series of Notes was issued and sold upon the funding of the borrower loan #41529, 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:  Mar-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $207.85
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $207.30
 
Auction yield range: 4.04% - 8.38% 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: Feb-1992 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:3y 1m
Credit score: 760-779 (Mar-2010) Total credit lines: 31 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $33,522Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: winsloga Borrower's state: Vermont Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
780-799 (Apr-2008)
 
Principal balance: $407.44 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Lower Interest Rate
I am interested in paying off a credit card that I am currently paying 14.99% on.My financial situation:I am a good candidate for this loan because I have good credit history and have been steadily employed as an engineer since I graduated from college in 1995.? In addition, I am employed in renewable energy, a field that is growing at a rapid rate worldwide and that promises to keep doing so.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kenji4861$50.00$50.003/17/2010 10:00:57 AM
asset-professor$100.00$100.003/17/2010 10:14:19 AM
skuba$50.00$50.003/17/2010 10:14:31 AM
fightinjoe$25.00$25.003/17/2010 10:14:44 AM
delicious-social132$40.00$40.003/17/2010 10:16:54 AM
lendersf$95.00$95.003/17/2010 10:20:24 AM
Avala$50.00$50.003/17/2010 10:18:37 AM
Microfinancer$25.00$25.003/17/2010 10:14:09 AM
bonus-adventure3$25.00$25.003/17/2010 10:19:53 AM
sharp-bill2$40.00$40.003/17/2010 10:21:04 AM
AF-Chief$28.00$28.003/17/2010 10:29:06 AM
inspired-contract9$25.00$25.003/17/2010 10:21:32 AM
nletunic$25.00$25.003/17/2010 10:27:15 AM
important-ore$100.00$100.003/17/2010 10:30:57 AM
bigballer105$50.00$50.003/17/2010 10:23:45 AM
successful-euro$75.00$75.003/17/2010 10:25:56 AM
tenacious-compassion9$25.00$25.003/17/2010 10:26:24 AM
happy-asset$25.00$25.003/17/2010 10:37:38 AM
cingular$25.00$25.003/17/2010 10:32:22 AM
chestnut4$25.00$25.003/17/2010 10:44:37 AM
Patter256$25.00$25.003/17/2010 10:54:35 AM
GElender$50.00$50.003/17/2010 10:38:51 AM
loan-warrior$25.00$25.003/17/2010 10:45:06 AM
otter$25.00$25.003/17/2010 10:54:47 AM
MarinLoans$25.00$25.003/17/2010 11:25:52 AM
BankofBen$25.00$25.003/17/2010 10:58:14 AM
HedgeFund$40.00$40.003/17/2010 11:12:42 AM
bigdogsafety1$25.00$25.003/17/2010 2:02:37 PM
rapid-credit428$25.00$25.003/17/2010 2:52:35 PM
highcountry1$25.00$25.003/17/2010 5:37:25 PM
buckyhead2000$25.00$25.003/17/2010 6:43:04 PM
reflective-deal8$50.00$50.003/17/2010 7:17:48 PM
kchen486$25.00$25.003/18/2010 6:22:19 AM
contract-lotus$25.00$25.003/18/2010 9:32:54 AM
payogie$25.00$25.003/18/2010 9:32:32 AM
desertoasis$50.00$50.003/18/2010 10:07:43 AM
BiggestG$25.00$25.003/18/2010 11:34:20 AM
thedoctor$90.00$90.003/18/2010 11:28:20 AM
KandKLegacyInvestments$25.00$25.003/18/2010 12:18:35 PM
Cheburashka$29.35$29.353/18/2010 12:35:29 PM
Phantom99$25.00$25.003/18/2010 2:33:30 PM
BankOfFrankFairness$49.34$49.343/18/2010 1:43:27 PM
chilichese$25.00$25.003/18/2010 12:53:37 PM
Sam65$25.00$25.003/18/2010 2:34:42 PM
grampy48$25.00$25.003/18/2010 1:43:28 PM
Aberdeen$350.00$350.003/18/2010 1:43:33 PM
alpinaut$25.00$25.003/18/2010 3:52:17 PM
scott73$25.00$25.003/18/2010 3:51:59 PM
TK4$25.00$25.003/18/2010 2:57:38 PM
degster$25.00$25.003/18/2010 4:27:39 PM
don8ter$60.00$60.003/18/2010 4:38:06 PM
fotep-financial$25.00$25.003/18/2010 4:55:27 PM
dontscrewmeover1$25.00$25.003/18/2010 5:54:59 PM
interest-exec9$25.00$25.003/18/2010 6:12:59 PM
engaging-worth$30.00$30.003/18/2010 6:14:19 PM
Kame$25.00$25.003/18/2010 11:17:51 PM
red-favorable-basis$25.00$25.003/18/2010 11:17:48 PM
Rivervale_Westwood$25.00$25.003/19/2010 6:18:56 AM
bhelgarath$25.00$25.003/19/2010 6:12:16 AM
SanCarlos$100.00$100.003/19/2010 6:22:25 AM
zeelender$25.00$25.003/19/2010 7:52:15 AM
transparency-halo$25.00$25.003/19/2010 9:34:04 AM
jjb3$25.00$25.003/19/2010 9:35:33 AM
averagefore$25.00$25.003/19/2010 9:48:58 AM
ClearLake$25.00$25.003/19/2010 11:14:55 AM
Jassi$25.00$25.003/19/2010 12:30:32 PM
mikeandcat$74.57$74.573/19/2010 12:50:36 PM
a-finance-nirvana$25.00$25.003/19/2010 1:09:26 PM
Eagledrop$25.00$25.003/19/2010 1:09:07 PM
goodguy2000$25.00$25.003/19/2010 3:37:46 PM
Kelor99$25.00$25.003/19/2010 4:25:53 PM
gulch$25.00$25.003/19/2010 7:42:39 PM
LittleMingo$25.00$25.003/19/2010 8:11:06 PM
totoro$25.00$25.003/19/2010 9:07:19 PM
sajitk$25.00$25.003/19/2010 9:07:21 PM
radforj22$25.00$25.003/20/2010 3:22:22 AM
hayhelp$25.00$25.003/20/2010 8:55:16 AM
DadWarbucks$25.00$25.003/20/2010 8:57:20 AM
flwah$25.00$25.003/20/2010 8:57:43 AM
focused-wampum$25.00$2.253/20/2010 8:58:50 AM
steely_dan34$25.00$25.003/20/2010 8:57:44 AM
webfeet$25.00$25.003/23/2010 5:59:07 AM
Astyanax$25.00$25.003/23/2010 1:02:37 PM
dammage$25.00$25.003/23/2010 3:03:35 PM
Russia5M$25.00$25.003/24/2010 5:32:02 AM
JerryB96$25.00$25.003/24/2010 5:20:36 AM
flexible-value$31.00$31.003/17/2010 10:17:12 AM
Clambake$50.00$50.003/17/2010 10:17:55 AM
personal-lender$25.00$25.003/17/2010 10:19:26 AM
mg6619$25.00$25.003/17/2010 10:20:04 AM
AFairDeal$25.00$25.003/17/2010 10:24:22 AM
macjp123$25.00$25.003/17/2010 10:17:30 AM
torion$25.00$25.003/17/2010 10:18:11 AM
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restless-currency$25.00$25.003/17/2010 10:27:42 AM
scrappy-bonus2$30.00$30.003/17/2010 10:29:42 AM
integrity-doctor$50.00$50.003/17/2010 10:26:53 AM
satisfying-durability$25.00$25.003/17/2010 10:27:33 AM
js60l$25.00$25.003/17/2010 10:36:49 AM
klinebarger$25.00$25.003/17/2010 10:33:12 AM
a-social-nebula$25.00$25.003/17/2010 10:33:25 AM
unforgettable-order9$100.00$100.003/17/2010 10:37:51 AM
lender987654321$25.00$25.003/17/2010 10:29:27 AM
useful-currency$25.00$25.003/17/2010 10:34:13 AM
community-pipeline8$50.00$50.003/17/2010 10:30:09 AM
jwood3030$25.00$25.003/17/2010 10:43:33 AM
fcukciti$36.19$36.193/17/2010 10:43:46 AM
ray1051$25.00$25.003/17/2010 10:33:42 AM
TakeCare$50.00$50.003/17/2010 10:44:24 AM
Streetfighter$50.00$50.003/17/2010 10:36:33 AM
market-solstice2$25.00$25.003/17/2010 2:12:51 PM
ddog0224$25.00$25.003/17/2010 2:14:12 PM
courteous-fund9$25.00$25.003/17/2010 5:19:17 PM
bchen78875$50.00$50.003/17/2010 6:41:52 PM
thestartuplender$35.00$35.003/17/2010 9:22:44 PM
esabzb$25.00$25.003/17/2010 11:38:12 PM
marilyn7$25.00$25.003/18/2010 8:12:31 AM
Divot$25.00$25.003/18/2010 12:52:26 AM
sumac5$150.00$150.003/18/2010 9:33:13 AM
tylerfd$25.00$25.003/18/2010 8:52:28 AM
morpholog$25.00$25.003/18/2010 9:43:48 AM
HHP$25.00$25.003/18/2010 8:44:39 AM
rmachi$25.00$25.003/18/2010 10:32:41 AM
LKN2RTR$25.00$25.003/18/2010 9:34:17 AM
supreme-hope$25.00$25.003/18/2010 11:34:40 AM
anton$127.15$127.153/18/2010 11:13:00 AM
djs81$25.00$25.003/18/2010 12:18:14 PM
keyfig$50.00$50.003/18/2010 12:53:40 PM
mlopez2007$25.00$25.003/18/2010 1:18:33 PM
nhm$50.00$50.003/18/2010 12:53:08 PM
RandyL3$33.00$33.003/18/2010 2:34:02 PM
Cai8899$75.00$75.003/18/2010 2:34:08 PM
honorable-yield$75.00$75.003/18/2010 2:34:12 PM
mathprof$25.00$25.003/18/2010 1:49:05 PM
Castellan$25.00$25.003/18/2010 2:00:41 PM
KiwiElf$30.00$30.003/18/2010 4:28:33 PM
Tradesmanlender$25.00$25.003/18/2010 4:41:26 PM
the-profit-oracle$25.00$25.003/18/2010 4:56:45 PM
credit-investor5$26.03$26.033/18/2010 4:55:29 PM
fiddlerzvi$25.00$25.003/18/2010 5:02:49 PM
kanakakm$50.00$50.003/18/2010 6:03:15 PM
skvat$25.00$25.003/18/2010 7:58:35 PM
MissionMicroFinance$25.00$25.003/18/2010 8:27:34 PM
Natronpee$25.00$25.003/18/2010 7:37:26 PM
studious-bonus7$50.00$50.003/19/2010 5:11:28 AM
wise-silver-wonder$25.00$25.003/18/2010 11:17:41 PM
responsibility-euphoria0$25.00$25.003/19/2010 9:33:46 AM
Hoov$25.00$25.003/19/2010 9:34:51 AM
ganoman21$25.00$25.003/19/2010 9:36:52 AM
webfeet$25.00$25.003/19/2010 9:46:18 AM
KeepOnRunning$50.00$50.003/19/2010 9:34:39 AM
gogmagog$29.96$29.963/19/2010 10:39:44 AM
bayareainv$25.45$25.453/19/2010 10:57:47 AM
KeyS80$50.00$50.003/19/2010 12:21:11 PM
bondhedger$25.00$25.003/19/2010 12:52:17 PM
exchange-fountain$25.00$25.003/19/2010 1:00:29 PM
jstnow$25.00$25.003/19/2010 1:28:16 PM
dansarkis$25.00$25.003/19/2010 1:47:45 PM
payment-gusto$25.00$25.003/19/2010 2:27:38 PM
figs4u2$25.00$25.003/19/2010 2:27:34 PM
discrete-asset$25.00$25.003/19/2010 4:14:50 PM
divedude$25.00$25.003/19/2010 4:22:37 PM
chief219$25.00$25.003/19/2010 5:22:14 PM
bugleusmc$27.71$27.713/19/2010 6:07:17 PM
Binan$25.00$25.003/20/2010 4:47:12 AM
wild_carrot$25.00$25.003/20/2010 4:43:23 AM
aurorafinancial$50.00$50.003/20/2010 7:57:56 AM
PaulW$25.00$25.003/20/2010 8:57:21 AM
Dollars4Rent$25.00$25.003/20/2010 2:06:19 PM
worlds-best-diversification589$50.00$50.003/20/2010 6:15:55 PM
CA_Lender$25.00$25.003/20/2010 8:06:54 PM
heerzaquestion$25.00$25.003/21/2010 10:05:06 AM
grampy48$25.00$25.003/22/2010 8:11:56 AM
Dr_Starchildren$25.00$25.003/22/2010 1:24:29 PM
reflective-rupee$25.00$25.003/23/2010 10:40:45 AM
JDLanier$25.00$25.003/23/2010 9:53:39 AM
loanman2007$100.00$100.003/23/2010 12:54:56 PM
note-pursuit$25.00$25.003/23/2010 4:03:15 PM
wwwUniversal$25.00$25.003/23/2010 4:06:55 PM
mitcha1$25.00$25.003/24/2010 5:23:22 AM
AsianDragon$65.00$65.003/24/2010 9:16:49 AM
181 bids
 
Borrower Payment Dependent Notes Series 450635
This series of Notes was issued and sold upon the funding of the borrower loan #41508, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $14,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Mar-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $464.34
Final lender yield: 8.48% Final borrower rate/APR: 9.48% / 9.82% Final monthly payment: $464.34
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
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-1997 Debt/Income ratio: 30%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:2y 3m
Credit score: 800-819 (Mar-2010) Total credit lines: 35 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $11,491Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: wntrequinx Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 800-819 (Latest)
Principal borrowed: $18,000.00< mo. late: 0 ( 0% )  
780-799 (Jul-2008)
 
Principal balance: $9,856.64 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
New Family Paying off credit cards
Purpose of loan:
This loan will be used to pay off high-interest credit cards, and our higher-interest rate Prosper loan, and to rebuild our emergency savings to prevent further necessity of credit card use.? These bills are the result of the insurance deductible and rental car costs associated with two car accidents in the past 5 months, and unexpected car repairs before Christmas.?

My financial situation:
I am a good candidate for this loan because my husband and I have stable jobs, consistent income, and have an excellent history of paying bills on time.? The consolidation of this debt into a single payment with a lower interest will greatly benefit our plans to eliminate all debt beyond the home mortgage by early 2013.? We are currently paying the monthly amount of this loan to other, high-interest, credit cards that will be payed off with this loan.

(Please note that my listed Debt-to-Income ratio assumes I maintain my existing Prosper loan and the credit card balances I will be paying off with this loan.)

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kenji4861$50.00$50.003/17/2010 10:00:54 AM
asset-professor$100.00$100.003/17/2010 10:14:17 AM
fightinjoe$25.00$25.003/17/2010 10:14:42 AM
egw$25.00$25.003/17/2010 10:16:44 AM
credit-force5$25.00$25.003/17/2010 10:18:55 AM
lendersf$95.00$95.003/17/2010 10:20:21 AM
Microfinancer$25.00$25.003/17/2010 10:14:07 AM
bigballer105$50.00$50.003/17/2010 10:23:44 AM
inspired-contract9$50.00$50.003/17/2010 10:23:11 AM
AFairDeal$25.00$25.003/17/2010 10:24:19 AM
cingular$25.00$25.003/17/2010 10:32:26 AM
a-social-nebula$25.00$25.003/17/2010 10:33:23 AM
empire9$25.00$25.003/17/2010 10:33:54 AM
unforgettable-order9$100.00$100.003/17/2010 10:38:04 AM
noble-vigilance9$25.00$25.003/17/2010 10:41:26 AM
BankofBen$25.00$25.003/17/2010 10:58:12 AM
otter$25.00$25.003/17/2010 10:54:46 AM
MarinLoans$25.00$25.003/17/2010 11:25:49 AM
impartial-deal$39.98$39.983/17/2010 12:23:37 PM
bigdogsafety1$25.00$25.003/17/2010 2:02:35 PM
reflective-deal8$50.00$50.003/17/2010 6:10:07 PM
baseballfan111$25.00$25.003/17/2010 6:10:52 PM
tbrnet$25.00$25.003/17/2010 6:42:36 PM
Lou-Holtz$25.00$25.003/17/2010 8:23:29 PM
eriqnoodle$25.00$25.003/17/2010 6:55:05 PM
Xukarak$25.00$25.003/17/2010 7:43:14 PM
jeffpac$53.00$53.003/17/2010 11:43:28 PM
HHP$25.00$25.003/18/2010 3:09:20 AM
fcukciti$50.00$50.003/18/2010 3:57:19 AM
trade-pumpkin$35.00$35.003/18/2010 8:07:32 AM
dollar-birdie$50.00$50.003/17/2010 11:38:56 PM
kchen486$25.00$25.003/18/2010 6:22:16 AM
Loanliness$50.00$50.003/18/2010 8:12:21 AM
contract-lotus$25.00$25.003/18/2010 9:32:52 AM
Ivan2007$25.00$25.003/18/2010 9:52:28 AM
payogie$25.00$25.003/18/2010 9:32:30 AM
Zipperdu$50.00$50.003/18/2010 9:12:34 AM
DeltaComputerGuy$25.00$25.003/18/2010 9:35:59 AM
buckyhead2000$25.00$25.003/18/2010 12:46:06 PM
nhm$50.00$50.003/18/2010 12:53:10 PM
Cheburashka$30.00$30.003/18/2010 12:35:26 PM
get30inc$28.37$28.373/18/2010 2:26:07 PM
Walkingcowboy$25.00$25.003/18/2010 2:00:45 PM
wiselady$25.00$25.003/18/2010 2:34:44 PM
peb44$25.00$25.003/18/2010 3:50:01 PM
selector568$100.00$100.003/18/2010 3:25:08 PM
fiddlerzvi$25.00$25.003/18/2010 5:02:47 PM
skvat$25.00$25.003/18/2010 7:58:33 PM
aasx1108$25.00$25.003/18/2010 6:38:02 PM
mathprof$25.00$25.003/18/2010 11:17:53 PM
grampy48$25.00$25.003/19/2010 6:53:30 AM
Rivervale_Westwood$25.00$25.003/19/2010 6:18:54 AM
don8ter$60.00$60.003/19/2010 7:47:57 AM
responsibility-euphoria0$25.00$25.003/19/2010 9:33:45 AM
transparency-halo$25.00$25.003/19/2010 9:34:03 AM
jjb3$25.00$25.003/19/2010 9:35:32 AM
anton$57.71$57.713/19/2010 10:23:23 AM
rmachi$25.00$25.003/19/2010 10:32:41 AM
payment-gusto$25.00$25.003/19/2010 2:27:37 PM
Phantom99$25.00$25.003/19/2010 4:15:04 PM
chief219$25.00$25.003/19/2010 5:22:16 PM
Divot$25.00$25.003/19/2010 9:07:20 PM
grampy48$25.00$25.003/20/2010 3:53:21 AM
LKN2RTR$25.00$25.003/20/2010 10:43:52 AM
rulender$50.00$50.003/20/2010 11:32:39 AM
wise-silver-wonder$25.00$25.003/20/2010 5:42:22 PM
mikeandcat$50.00$50.003/21/2010 7:10:16 AM
authentic-diversification$25.00$25.003/21/2010 11:39:29 AM
morpholog$25.00$25.003/22/2010 12:57:16 AM
LilyMax$100.00$100.003/22/2010 8:12:42 AM
KiwiElf$30.00$30.003/22/2010 4:57:34 AM
Railbird$25.00$25.003/22/2010 9:35:59 AM
versatile-platinum4$25.00$25.003/22/2010 9:33:41 AM
trade-cello$25.00$25.003/22/2010 9:34:24 AM
credit-magician$25.00$25.003/22/2010 10:58:13 AM
FlexFunding$100.00$100.003/22/2010 10:48:58 AM
DDHMoney$25.00$25.003/22/2010 11:08:24 AM
brewman$25.00$25.003/22/2010 11:29:03 AM
fishtale$25.00$25.003/22/2010 11:15:38 AM
painter85$50.00$50.003/22/2010 12:09:39 PM
finman17$25.00$25.003/22/2010 11:54:10 AM
wealth-mogul534$25.00$25.003/22/2010 12:39:53 PM
laniac$50.00$50.003/22/2010 12:32:44 PM
bid-papyrus$25.00$25.003/22/2010 12:32:58 PM
langdonx$25.00$25.003/22/2010 1:15:21 PM
think-become$25.00$25.003/22/2010 12:39:51 PM
steely_dan34$25.00$25.003/22/2010 1:29:50 PM
thedoctor$43.32$43.323/22/2010 2:48:15 PM
budyzr$25.00$25.003/22/2010 4:44:33 PM
nuts$45.51$45.513/22/2010 5:15:17 PM
Sykes66$25.00$25.003/22/2010 5:16:42 PM
Searlzy$25.00$25.003/22/2010 5:17:13 PM
pbandjb$25.00$25.003/22/2010 5:17:21 PM
Cluvnupe06$25.00$25.003/22/2010 5:17:26 PM
latestone$25.00$25.003/22/2010 5:17:52 PM
Supp0rter$50.00$50.003/22/2010 5:18:10 PM
help_each_other$25.00$25.003/22/2010 5:19:38 PM
jct_enterprises$25.00$25.003/22/2010 5:20:46 PM
BludAx$25.00$25.003/22/2010 5:21:16 PM
fdsguy$50.00$50.003/22/2010 5:16:12 PM
pubnat$25.00$25.003/22/2010 5:21:46 PM
wrchism$50.00$50.003/22/2010 5:16:44 PM
RB_Double-A_Bravo$25.00$25.003/22/2010 5:17:18 PM
thegreatone$84.29$84.293/22/2010 5:23:07 PM
personal-lender$25.00$25.003/22/2010 5:18:38 PM
wgc$25.00$25.003/22/2010 5:23:37 PM
pipopirate$25.00$25.003/22/2010 5:18:46 PM
credit-coach118$40.00$40.003/22/2010 5:19:19 PM
JJS180$25.00$25.003/22/2010 5:25:21 PM
stensonb$25.00$25.003/22/2010 5:20:45 PM
enigmallc$34.19$34.193/22/2010 5:15:53 PM
pawsitive$25.00$25.003/22/2010 5:21:03 PM
keyfig$50.00$50.003/22/2010 5:21:35 PM
Raetha$25.00$25.003/22/2010 5:16:43 PM
smartie1$25.00$25.003/22/2010 5:17:17 PM
Zoomie$25.00$25.003/22/2010 5:17:23 PM
Boxhead$25.00$25.003/22/2010 5:17:40 PM
star7705$25.00$25.003/22/2010 5:23:20 PM
SnE$25.68$25.683/22/2010 5:18:03 PM
peace-cadence$25.00$25.003/22/2010 5:18:41 PM
jasperpants$25.00$25.003/22/2010 5:18:47 PM
mnmcarve$25.00$25.003/22/2010 5:18:55 PM
jchix$25.00$25.003/22/2010 5:19:10 PM
sas19$25.00$25.003/22/2010 5:19:39 PM
sajitk$25.00$25.003/22/2010 5:25:45 PM
GenerousGentleMan$50.00$50.003/22/2010 5:20:34 PM
Sigonio$25.00$25.003/22/2010 5:21:06 PM
titaniumtommy$25.00$25.003/22/2010 5:26:34 PM
Artist_Blue$25.00$25.003/22/2010 5:21:13 PM
BankOfFrankFairness$50.00$50.003/22/2010 5:21:27 PM
scott73$25.00$25.003/22/2010 5:21:42 PM
Zoramite$25.00$25.003/22/2010 5:23:16 PM
credit-investor5$100.00$100.003/22/2010 5:23:48 PM
social-comet7$25.00$25.003/22/2010 5:29:22 PM
head$25.00$25.003/22/2010 5:23:55 PM
discrete-asset$25.00$25.003/22/2010 5:25:01 PM
dlshap$25.00$25.003/22/2010 5:25:43 PM
Red4Golf$25.00$25.003/22/2010 5:25:57 PM
ADenny$25.00$25.003/22/2010 5:32:08 PM
outtahoth2o$100.00$100.003/22/2010 5:28:43 PM
BiggestG$25.00$25.003/22/2010 5:29:06 PM
Jassi$25.00$25.003/22/2010 5:29:19 PM
reinforced-reward$25.00$25.003/22/2010 5:30:08 PM
Captain88$25.00$25.003/22/2010 5:30:53 PM
rjblack$50.00$50.003/22/2010 5:32:00 PM
shrewd-deal$25.00$25.003/22/2010 5:40:12 PM
minista$25.00$25.003/22/2010 5:39:48 PM
GCCPartners$25.00$25.003/22/2010 6:22:23 PM
TrixieD$25.00$25.003/22/2010 9:38:30 PM
top-tranquil-justice$25.00$25.003/22/2010 10:31:27 PM
GAOGERAM_BANK$25.00$25.003/22/2010 8:58:58 PM
Eagledrop$25.00$25.003/22/2010 7:33:30 PM
tenacious-compassion9$25.00$25.003/22/2010 9:33:43 PM
three-for-6$200.00$200.003/22/2010 8:18:51 PM
mlbox3k$25.00$25.003/22/2010 8:37:14 PM
fotep-financial$25.00$25.003/22/2010 9:12:56 PM
slojudy$25.00$25.003/23/2010 7:17:30 AM
shrewd-income$50.00$50.003/23/2010 5:54:07 AM
hayhelp$25.00$25.003/23/2010 7:17:36 AM
stolan$25.00$25.003/23/2010 7:17:42 AM
PaulW$25.00$25.003/23/2010 10:19:12 AM
DadWarbucks$25.00$25.003/23/2010 9:34:18 AM
julijask$26.93$26.933/23/2010 9:17:23 AM
Cherrypicker06$25.00$25.003/23/2010 11:07:37 AM
mbraslav$25.06$25.063/23/2010 10:42:22 AM
_kyle$25.00$25.003/23/2010 12:03:09 PM
Astyanax$35.00$35.003/23/2010 1:08:06 PM
Ven58$25.00$25.003/23/2010 12:15:09 PM
outwish$25.00$25.003/23/2010 11:24:34 AM
TCayce$25.00$25.003/23/2010 11:48:17 AM
NJNY$25.00$25.003/23/2010 11:57:27 AM
YellowJacket$25.00$25.003/23/2010 2:48:13 PM
amijo$29.43$29.433/23/2010 3:18:05 PM
incbx$50.00$50.003/23/2010 4:12:40 PM
alexstar$25.00$25.003/23/2010 4:55:08 PM
wwwUniversal$25.00$25.003/23/2010 4:07:48 PM
CJay$50.00$50.003/23/2010 5:19:06 PM
Alsatian$100.00$100.003/23/2010 5:48:32 PM
bradwill$28.72$28.723/23/2010 5:02:33 PM
bazaar-tulip$25.00$25.003/23/2010 6:24:13 PM
Zachilles$50.00$50.003/23/2010 7:11:22 PM
diverse2$30.00$30.003/23/2010 8:57:19 PM
mjjjrj$25.00$25.003/24/2010 4:48:24 AM
pinballeffect$75.00$75.003/23/2010 9:25:30 PM
rate-fluffy-bunny$25.00$25.003/24/2010 4:48:11 AM
Nishana$25.00$25.003/24/2010 12:33:42 AM
MediaAndMicrocode$30.00$30.003/24/2010 7:38:10 AM
blue-courageous-justice$25.00$25.003/24/2010 5:31:04 AM
FairbairnSG$25.00$25.003/24/2010 9:00:07 AM
beachbum22$25.00$25.003/24/2010 9:59:16 AM
flexible-value$31.00$31.003/17/2010 10:17:13 AM
skuba$50.00$50.003/17/2010 10:14:33 AM
delicious-social132$40.00$40.003/17/2010 10:16:52 AM
bonus-adventure3$25.00$25.003/17/2010 10:19:52 AM
nletunic$25.00$25.003/17/2010 10:27:13 AM
scrappy-bonus2$30.00$30.003/17/2010 10:29:41 AM
restless-currency$25.00$25.003/17/2010 10:27:41 AM
tylerfd$25.00$25.003/17/2010 10:23:38 AM
lender987654321$25.00$25.003/17/2010 10:29:24 AM
justice-dna$35.00$35.003/17/2010 10:34:02 AM
useful-currency$25.00$25.003/17/2010 10:34:11 AM
successful-euro$75.00$75.003/17/2010 10:25:52 AM
important-ore$100.00$100.003/17/2010 10:30:53 AM
ray1051$25.00$25.003/17/2010 10:33:40 AM
community-pipeline8$50.00$50.003/17/2010 10:30:07 AM
klinebarger$25.00$25.003/17/2010 10:33:10 AM
loan-warrior$25.00$25.003/17/2010 10:45:04 AM
js60l$25.00$25.003/17/2010 10:36:51 AM
GElender$50.00$50.003/17/2010 10:38:53 AM
TakeCare$50.00$50.003/17/2010 10:44:23 AM
jwood3030$25.00$25.003/17/2010 10:43:35 AM
lucrative-loan$25.00$25.003/17/2010 10:59:08 AM
ptjg$45.56$45.563/17/2010 11:44:34 AM
the-bright-velocity$25.00$25.003/17/2010 12:26:11 PM
courteous-fund9$25.00$25.003/17/2010 5:19:15 PM
esabzb$25.00$25.003/17/2010 5:22:23 PM
red-trade-cologne$25.00$25.003/17/2010 6:12:01 PM
radforj22$25.00$25.003/17/2010 6:54:23 PM
Kaj$25.00$25.003/17/2010 6:54:31 PM
mlopez2007$25.00$25.003/17/2010 6:10:49 PM
thestartuplender$35.00$35.003/17/2010 9:22:42 PM
wonderful-rupee$50.00$50.003/17/2010 9:53:39 PM
lean-velocity$25.00$25.003/17/2010 11:38:57 PM
kulender$25.00$25.003/17/2010 11:38:58 PM
webfeet$50.00$50.003/18/2010 9:03:35 AM
phredd$25.00$25.003/18/2010 10:08:18 AM
KandKLegacyInvestments$25.00$25.003/18/2010 12:18:33 PM
BayShell$30.53$30.533/18/2010 12:00:43 PM
lloyd_s$25.00$25.003/18/2010 2:34:07 PM
iolaire$25.00$25.003/18/2010 2:00:48 PM
contract-festival7$25.00$25.003/18/2010 2:41:03 PM
note-sensation$25.00$25.003/18/2010 2:34:09 PM
bchen78875$35.90$35.903/18/2010 1:43:38 PM
USMC0311$25.00$25.003/18/2010 3:52:12 PM
meenan$25.00$25.003/18/2010 2:34:00 PM
Sam65$25.00$25.003/18/2010 3:52:21 PM
inspired-finance$25.00$25.003/18/2010 3:32:40 PM
alpinaut$25.00$25.003/18/2010 3:52:14 PM
kanakakm$50.00$50.003/18/2010 6:03:13 PM
FinDoc$25.00$25.003/18/2010 8:32:20 PM
Castellan$25.00$25.003/18/2010 11:18:47 PM
honorable-yield$35.87$35.873/19/2010 7:44:02 AM
consciousspending$25.00$25.003/19/2010 9:14:28 AM
djs81$25.00$25.003/19/2010 10:57:57 AM
George2384$25.00$25.003/19/2010 11:38:23 AM
investment-seeker7$25.00$25.003/19/2010 12:23:45 PM
goodguy2000$25.00$25.003/19/2010 3:37:45 PM
Airbandit$29.26$29.263/19/2010 8:49:54 PM
sellbuy40$25.00$25.003/20/2010 6:19:33 AM
dontscrewmeover1$50.00$50.003/20/2010 8:52:57 AM
Aridus$50.00$50.003/20/2010 1:01:10 PM
bhelgarath$25.00$25.003/20/2010 5:58:07 PM
dnactivation$64.50$64.503/20/2010 9:33:56 PM
rescue$500.00$500.003/21/2010 7:47:51 AM
aldenrains$25.00$25.003/21/2010 12:43:12 PM
LoisLoan$25.00$25.003/21/2010 3:33:35 PM
jbaum$75.00$75.003/21/2010 8:42:31 PM
xphile$25.00$25.003/22/2010 6:07:33 AM
gain-seagull9$25.00$25.003/22/2010 6:27:58 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:20 AM
spenrod$50.00$50.003/22/2010 10:02:37 AM
pawnshopman$25.00$25.003/22/2010 10:23:56 AM
ciccio70$25.00$25.003/22/2010 10:58:26 AM
bruin558$80.00$80.003/22/2010 10:49:08 AM
rajs$150.00$150.003/22/2010 11:00:23 AM
lend_to_you$25.00$25.003/22/2010 11:08:44 AM
proteinart$25.00$25.003/22/2010 11:23:48 AM
lostontheedge$25.00$25.003/22/2010 11:53:27 AM
vacation-funding$25.00$25.003/22/2010 11:32:17 AM
Tradesmanlender$25.00$25.003/22/2010 11:52:05 AM
KlotzLending$25.00$25.003/22/2010 11:54:01 AM
TK4$25.00$25.003/22/2010 11:57:48 AM
flwah$25.00$25.003/22/2010 11:58:31 AM
PCash$25.00$25.003/22/2010 11:59:14 AM
transparency-giant$47.72$47.723/22/2010 12:32:49 PM
albatross897$25.00$25.003/22/2010 12:39:54 PM
Goodlender42$25.00$25.003/22/2010 12:32:54 PM
djh47a$25.00$25.003/22/2010 12:33:03 PM
trident9$25.00$25.003/22/2010 12:48:10 PM
wampum-optimization$50.00$50.003/22/2010 12:42:28 PM
cawdrw2002$25.00$25.003/22/2010 12:39:52 PM
Cai8899$48.82$48.823/22/2010 1:47:22 PM
diicali$50.00$50.003/22/2010 2:29:28 PM
Trabey$300.00$300.003/22/2010 2:30:46 PM
Airthus$25.00$25.003/22/2010 2:20:24 PM
chilichese$25.00$25.003/22/2010 3:52:22 PM
fireupthegrill$25.00$25.003/22/2010 3:52:17 PM
Kame$25.00$25.003/22/2010 3:18:44 PM
Agonbiew$50.00$50.003/22/2010 3:23:13 PM
StWaldo$25.00$25.003/22/2010 3:32:18 PM
zeelender$25.00$25.003/22/2010 4:08:55 PM
ricpick$50.00$50.003/22/2010 4:29:18 PM
self-reliant-integrity0$100.00$100.003/22/2010 4:40:11 PM
durable-trade$25.00$25.003/22/2010 5:15:12 PM
zbfamwl$25.00$25.003/22/2010 5:15:52 PM
dealarella$25.00$25.003/22/2010 5:17:12 PM
kanewna$50.00$50.003/22/2010 5:17:19 PM
justalender$25.00$25.003/22/2010 5:17:24 PM
stikman$25.00$25.003/22/2010 5:18:13 PM
grallu$50.00$50.003/22/2010 5:18:40 PM
theemhdoctor$25.00$25.003/22/2010 5:19:00 PM
mjm77_1$25.00$25.003/22/2010 5:20:01 PM
highcountry1$25.00$25.003/22/2010 5:20:21 PM
sisterkate$25.00$25.003/22/2010 5:20:51 PM
AnxiousAirman$50.00$50.003/22/2010 5:15:51 PM
j2ee$25.00$25.003/22/2010 5:21:26 PM
Strato$25.00$25.003/22/2010 5:16:14 PM
OLYVRC$25.00$25.003/22/2010 5:21:41 PM
degster$25.00$25.003/22/2010 5:21:53 PM
secretidentity$25.00$25.003/22/2010 5:17:25 PM
KeepOnRunning$50.00$50.003/22/2010 5:22:53 PM
dadalou$25.00$25.003/22/2010 5:17:49 PM
dashawn$25.00$25.003/22/2010 5:22:59 PM
HibbyD$35.00$35.003/22/2010 5:17:57 PM
red-favorable-basis$25.00$25.003/22/2010 5:23:11 PM
Victor-E-Lane$25.00$25.003/22/2010 5:23:22 PM
thrilling-nickel5$25.00$25.003/22/2010 5:06:23 PM
HappyHelpingLender$25.00$25.003/22/2010 5:18:44 PM
meux99$25.00$25.003/22/2010 5:23:53 PM
superchicken$25.00$25.003/22/2010 5:19:57 PM
celkram$51.43$51.433/22/2010 5:15:13 PM
guaton$25.00$25.003/22/2010 5:15:54 PM
lendinstuff$25.00$25.003/22/2010 5:21:15 PM
Banker7371$25.00$25.003/22/2010 5:21:20 PM
jrwoodie$25.00$25.003/22/2010 5:21:37 PM
LordKinbote$25.00$25.003/22/2010 5:21:44 PM
dartmouth99$25.00$25.003/22/2010 5:16:38 PM
revmax$25.00$25.003/22/2010 5:22:00 PM
DukSerduk$25.00$25.003/22/2010 5:17:16 PM
nuclearmoose$25.00$25.003/22/2010 5:17:22 PM
Shockem923$25.00$25.003/22/2010 5:17:24 PM
SkiNZ$25.00$25.003/22/2010 5:17:40 PM
ganoman21$25.00$25.003/22/2010 5:22:55 PM
bayareainv$53.20$53.203/22/2010 5:23:06 PM
seattleslug$30.00$30.003/22/2010 5:23:55 PM
johngaltline$25.00$25.003/22/2010 5:18:42 PM
gogmagog$100.00$100.003/22/2010 5:29:10 PM
danfrphils$25.00$25.003/22/2010 5:19:06 PM
ElChico124$25.00$25.003/22/2010 5:24:46 PM
mykkai$25.00$25.003/22/2010 5:19:53 PM
tsui517$25.00$25.003/22/2010 5:21:01 PM
dumbass$25.00$25.003/22/2010 5:21:12 PM
johnsails$35.95$35.953/22/2010 5:21:43 PM
new-reward-sequoia$25.00$25.003/22/2010 5:22:04 PM
engaging-worth$30.00$30.003/22/2010 5:22:28 PM
interest-exec9$25.00$25.003/22/2010 5:22:41 PM
ClearLake$25.00$25.003/22/2010 5:23:15 PM
tolstoy00$25.00$25.003/22/2010 5:35:18 PM
dansarkis$25.00$25.003/22/2010 5:23:58 PM
Sixmil$25.00$25.003/22/2010 5:30:55 PM
yertle9$25.00$25.003/22/2010 5:31:15 PM
ILfarmboy$33.17$33.173/22/2010 5:31:23 PM
L-vex$25.00$25.003/22/2010 5:26:42 PM
lost-money-so-far-on-these$25.00$25.003/22/2010 5:32:07 PM
AgTiPinisher$25.00$25.003/22/2010 5:26:54 PM
Octavian315$35.00$35.003/22/2010 5:31:03 PM
Dreamconnection$25.00$25.003/22/2010 5:52:14 PM
woodenshoes$25.00$25.003/22/2010 5:33:26 PM
divedude$25.00$25.003/22/2010 7:37:12 PM
JustOneVoice$25.00$25.003/22/2010 5:40:33 PM
lucrative-worth$25.00$25.003/22/2010 6:21:07 PM
Steveoo1$25.00$25.003/22/2010 6:37:18 PM
Milonguero$100.00$100.003/22/2010 9:14:04 PM
darylc$25.00$25.003/23/2010 5:50:29 AM
buukyak$25.00$25.003/23/2010 6:06:19 AM
tender-gold$25.00$25.003/22/2010 10:22:12 PM
gnuey$50.00$50.003/22/2010 10:47:21 PM
Warbler$25.00$25.003/23/2010 7:17:28 AM
Attract$25.00$25.003/23/2010 12:52:34 AM
rcr549$25.00$25.003/23/2010 3:27:30 AM
BenOrt$25.00$25.003/23/2010 7:53:48 AM
cjohnson041$31.43$31.433/23/2010 6:02:14 AM
ferdberfel$50.00$50.003/23/2010 3:22:52 AM
afotherg$25.00$25.003/23/2010 7:07:23 AM
DMark69$25.00$25.003/23/2010 7:17:15 AM
Doc23$25.00$25.003/23/2010 10:33:33 AM
MoJoRisin15$25.00$25.003/23/2010 10:58:42 AM
p1k4blu$25.00$25.003/23/2010 11:07:36 AM
boogaboogabooga$25.00$25.003/23/2010 9:33:11 AM
rubylender$25.00$25.003/23/2010 11:30:01 AM
pi31415$25.00$25.003/23/2010 10:27:17 AM
interest-satellite$25.00$25.003/23/2010 11:41:20 AM
mizount$25.00$25.003/23/2010 10:42:35 AM
token34$25.00$25.003/23/2010 10:58:32 AM
pinnacle10$25.00$25.003/23/2010 10:58:38 AM
totoro$25.00$25.003/23/2010 10:27:31 AM
Supernick$50.00$50.003/23/2010 10:59:18 AM
rmsyvt$25.00$25.003/23/2010 12:57:35 PM
deepventures$25.00$25.003/23/2010 11:24:21 AM
JoeMB$25.00$25.003/23/2010 1:08:11 PM
focused-wampum$30.00$30.003/23/2010 2:44:26 PM
Aristocrat$32.68$32.683/23/2010 3:08:08 PM
beerfool$25.00$22.903/23/2010 12:16:43 PM
mattpet$25.00$25.003/23/2010 2:42:29 PM
preciouschild$100.00$100.003/23/2010 4:12:37 PM
palpbert$25.00$25.003/23/2010 5:02:34 PM
onlyinchicago$25.00$25.003/23/2010 4:13:46 PM
windfall46$25.00$25.003/23/2010 4:59:02 PM
tomjac2000$25.00$25.003/23/2010 6:07:19 PM
IncomeTemple$26.30$26.303/23/2010 8:57:21 PM
flexiboy35$25.00$25.003/23/2010 9:37:17 PM
Natronpee$25.00$25.003/24/2010 5:29:20 AM
sail120$25.00$25.003/23/2010 9:37:16 PM
PCGeekWI$25.00$25.003/24/2010 6:02:57 AM
Hoov$25.00$25.003/24/2010 5:47:57 AM
briphi$25.00$25.003/24/2010 6:58:14 AM
rajs$26.59$26.593/24/2010 7:52:57 AM
anakinsolo$25.00$25.003/24/2010 5:29:04 AM
DHolly$25.00$25.003/24/2010 8:54:04 AM
janus_god$30.00$30.003/24/2010 9:25:37 AM
agreement-bunny$25.00$25.003/24/2010 6:23:45 AM
BSr$50.00$50.003/24/2010 9:03:59 AM
ideal-penny8$25.00$25.003/24/2010 9:39:40 AM
secret-santa$25.00$25.003/24/2010 9:59:13 AM
broker558$25.00$25.003/24/2010 9:51:55 AM
Viamin$25.00$25.003/24/2010 9:59:04 AM
mikeleib$25.00$25.003/24/2010 9:59:20 AM
Independenttools$25.00$25.003/24/2010 9:59:25 AM
418 bids
 
Borrower Payment Dependent Notes Series 450669
This series of Notes was issued and sold upon the funding of the borrower loan #41498, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Mar-17-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $119.67
Final lender yield: 12.85% Final borrower rate/APR: 13.85% / 16.01% Final monthly payment: $119.37
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.64%  
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: 10%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:8y 8m
Credit score: 740-759 (Mar-2010) Total credit lines: 27 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $3,605Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cuteness7 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,001.00< mo. late: 0 ( 0% )  
740-759 (Mar-2008)
 
Principal balance: $1,167.43 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Becoming My Own Boss
Purpose of loan:
This loan will be used to purchase a new truck for my trucking company. I am currently employed as an educator, however, I have always been interested in becoming my own boss. With the economy the way that it is, now is the perfect time to make my dreams come.
My financial situation:
I am a good candidate for this loan because I have an?awesome credit history. I am a very responsible person whenever it comes to paying my bills. My monthly budget allows for?me to be able to make monthly payments to Prosper instead of paying outrageous interest rates to other companies. This is my monthly?budget:

$3200.00 starting:
$240.00 car payment
$250.00 student loans
$100- car?insurance
$200- utilities
$400- tithes and offerings
$200.00- grocery
$200- gas?
$300- credit card bills
$94- PROSPER Bill
$300.00 medical
200.00 furniture
___________________
$2484.00 total

$716.00 ending amount
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 inform us how much is your monthly income as an educator and trucking company separately. How long have you been in the trucking industry and margins are now low in the trucking industry so why now expand? - jpblan11
A: My monthly income as an educator is $3200. I haven't calculated my income from my trucking industry into my primary income because I have been saving my money to cover future maintenance costs on my truck. With all of the budget cuts in education, I have decided to spend more time expanding my business. According to the research, over the road truck margins are low, but my company handles import and exports from the local ports authority which provides me with enough work. (Mar-19-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
personal-lender$25.00$25.003/17/2010 4:05:17 PM
successful-euro$50.00$50.003/17/2010 4:06:14 PM
Clambake$50.00$50.003/17/2010 4:04:56 PM
Avala$50.00$50.003/17/2010 4:05:08 PM
ddog0224$25.00$25.003/17/2010 4:07:45 PM
fightinjoe$25.00$25.003/17/2010 4:05:32 PM
inspired-contract9$25.00$25.003/17/2010 4:05:37 PM
scrappy-bonus2$25.00$25.003/17/2010 4:06:42 PM
delicious-social132$25.00$25.003/17/2010 4:05:21 PM
flexible-value$26.00$26.003/17/2010 4:06:11 PM
chestnut4$25.00$25.003/17/2010 4:07:19 PM
teller$25.00$25.003/17/2010 6:11:11 PM
sharp-bill2$40.00$40.003/17/2010 5:52:19 PM
ml13$25.00$25.003/17/2010 7:22:15 PM
thestartuplender$35.00$35.003/17/2010 9:22:47 PM
analogman$25.00$25.003/17/2010 9:42:16 PM
nbhz60a$25.00$25.003/17/2010 8:47:22 PM
figs4u2$100.00$100.003/17/2010 11:39:01 PM
CA_Lender$25.00$25.003/18/2010 12:46:40 AM
success1001$50.00$50.003/18/2010 6:48:29 AM
Streetfighter$50.00$50.003/18/2010 6:52:33 AM
restless-currency$26.40$26.403/18/2010 5:09:21 AM
Adino$25.00$25.003/18/2010 6:48:35 AM
market-solstice2$25.00$25.003/18/2010 6:52:34 AM
mg6619$25.00$25.003/18/2010 5:42:34 AM
empire9$25.00$25.003/18/2010 8:59:03 AM
fcukciti$50.00$50.003/18/2010 6:48:40 AM
macjp123$25.00$25.003/18/2010 6:52:34 AM
ChefATL$25.00$25.003/18/2010 8:40:34 AM
sumac5$150.00$150.003/18/2010 9:33:04 AM
auction-workhorse679$25.00$25.003/18/2010 9:33:34 AM
Picopie$25.00$25.003/18/2010 9:24:52 AM
RoccoLoan$25.00$25.003/18/2010 10:50:44 AM
direct-yield$25.00$25.003/18/2010 9:34:00 AM
payogie$25.00$25.003/18/2010 9:36:13 AM
intelligent-yield$25.00$25.003/18/2010 9:48:16 AM
desertoasis$50.00$50.003/18/2010 10:07:37 AM
supreme-hope$25.00$1.113/18/2010 11:34:33 AM
bondhedger$25.00$25.003/18/2010 1:02:21 PM
steady-loan$25.00$25.003/18/2010 3:02:20 PM
ready-currency$25.91$25.913/18/2010 5:23:41 PM
hidavehi$25.00$25.003/18/2010 5:55:34 PM
bouttruckin$30.00$30.003/19/2010 12:07:06 PM
lucrative-loan$25.00$25.003/19/2010 12:50:16 PM
wphmd$25.00$25.003/19/2010 12:49:35 PM
ToweringDan$50.00$50.003/20/2010 12:49:09 AM
KlarthXVII$25.00$25.003/20/2010 7:05:55 AM
dogbait$50.00$50.003/21/2010 1:32:10 PM
chevy92$70.12$70.123/21/2010 3:19:01 PM
spudbeach$51.78$51.783/21/2010 9:22:33 PM
bonus-adventure3$25.00$25.003/17/2010 4:05:41 PM
HedgeFund$40.00$40.003/17/2010 4:07:29 PM
torion$25.00$25.003/17/2010 4:05:02 PM
integrity-doctor$50.00$50.003/17/2010 4:06:27 PM
important-ore$50.00$50.003/17/2010 4:06:55 PM
satisfying-durability$25.00$25.003/17/2010 4:03:07 PM
AF-Chief$28.00$28.003/17/2010 4:06:38 PM
rapid-credit428$25.00$25.003/17/2010 4:07:55 PM
Cheburashka$25.00$25.003/17/2010 6:11:18 PM
rate-gravity$54.44$54.443/17/2010 6:47:47 PM
riverzeus$25.00$25.003/17/2010 8:04:41 PM
gardenofeden$25.00$25.003/17/2010 8:15:37 PM
hampa$25.00$25.003/17/2010 7:17:51 PM
lloyd_s$25.00$25.003/17/2010 11:38:47 PM
bkwest01$50.00$50.003/18/2010 2:59:09 AM
tenacious-compassion9$25.00$25.003/17/2010 11:37:59 PM
happy-asset$25.00$25.003/18/2010 6:52:33 AM
Northsider$25.00$25.003/17/2010 11:37:43 PM
SpadeMike$50.00$50.003/18/2010 4:07:21 AM
Aberdeen$350.00$350.003/18/2010 6:52:19 AM
unforgettable-order9$100.00$100.003/18/2010 6:52:32 AM
GoSix$25.00$25.003/18/2010 8:37:19 AM
marilyn7$25.00$25.003/18/2010 8:12:24 AM
green-glowing-gain$25.00$25.003/18/2010 9:34:13 AM
Red_b17$25.00$25.003/18/2010 9:36:20 AM
HHP$25.00$25.003/18/2010 8:44:31 AM
jaynlana$25.00$25.003/18/2010 9:33:46 AM
redx$25.00$25.003/18/2010 9:23:15 AM
excellent-nickel$25.00$25.003/18/2010 9:32:50 AM
bowdish1$29.58$29.583/18/2010 10:08:03 AM
producer553$25.00$25.003/18/2010 9:36:01 AM
dollar-birdie$25.00$25.003/18/2010 9:43:44 AM
DrNano$50.00$50.003/18/2010 11:29:34 AM
RedCentre$66.66$66.663/18/2010 1:43:18 PM
zento$25.00$25.003/18/2010 3:07:30 PM
wwwUniversal$25.00$25.003/18/2010 6:13:29 PM
cash-tent$25.00$25.003/18/2010 10:39:35 PM
beachfunder$25.00$25.003/19/2010 6:23:09 AM
Dopplerbob$25.00$25.003/19/2010 3:58:40 PM
gmf$25.00$25.003/19/2010 7:14:07 PM
jpblan11$25.00$25.003/19/2010 7:32:42 PM
WorkingTA$25.00$25.003/19/2010 10:04:45 PM
Flreap$50.00$50.003/22/2010 9:14:59 AM
stockpiler079$25.00$25.003/22/2010 8:03:18 AM
94 bids
 
Borrower Payment Dependent Notes Series 450697
This series of Notes was issued and sold upon the funding of the borrower loan #41484, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Mar-17-2010 
  Auction end date:  Mar-23-2010 
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $170.96
Final lender yield: 12.85% Final borrower rate/APR: 13.85% / 16.01% Final monthly payment: $170.52
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2002 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:1y 10m
Credit score: 740-759 (Mar-2010) Total credit lines: 19 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $1,208Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 18    
Screen name: liberty-baker 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
Getting an MBA
Purpose of loan: To get an MBA
This loan will be used to pay for tuition to take classes toward my MBA in the evening while I maintain full-time employment.

My financial situation: I have steady employment with good credit.
I am a good candidate for this loan because I will pay on time and I have the opportunity for a raise and advancement after completion of my MBA.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Avala$50.00$50.003/17/2010 10:18:35 AM
mg6619$25.00$25.003/17/2010 10:20:03 AM
torion$25.00$25.003/17/2010 10:18:07 AM
personal-lender$25.00$25.003/17/2010 10:19:31 AM
inspired-contract9$25.00$25.003/17/2010 10:21:30 AM
bonus-adventure3$25.00$25.003/17/2010 10:21:52 AM
successful-euro$50.00$50.003/17/2010 10:26:05 AM
tenacious-compassion9$25.00$25.003/17/2010 10:26:21 AM
Streetfighter$50.00$50.003/17/2010 10:36:31 AM
AF-Chief$27.00$27.003/17/2010 10:29:01 AM
chestnut4$25.00$25.003/17/2010 10:44:35 AM
happy-asset$25.00$25.003/17/2010 10:37:36 AM
fcukciti$50.00$50.003/17/2010 10:43:44 AM
market-solstice2$25.00$25.003/17/2010 2:12:47 PM
ddog0224$25.00$25.003/17/2010 2:14:11 PM
desertoasis$25.00$25.003/17/2010 2:25:04 PM
inspired-finance$25.00$25.003/17/2010 12:57:49 PM
supreme-hope$25.00$25.003/17/2010 3:04:49 PM
rapid-credit428$25.00$25.003/17/2010 2:52:31 PM
hampa$25.00$25.003/17/2010 7:17:56 PM
SpadeMike$50.00$50.003/18/2010 4:07:35 AM
HHP$25.00$25.003/18/2010 8:44:35 AM
excellent-nickel$25.00$25.003/18/2010 9:32:49 AM
redx$25.00$25.003/18/2010 9:23:21 AM
intelligent-yield$25.00$25.003/18/2010 9:48:21 AM
sumac5$150.00$150.003/18/2010 9:33:11 AM
payogie$25.00$25.003/18/2010 9:36:17 AM
KandKLegacyInvestments$25.00$25.003/18/2010 12:35:37 PM
bchen78875$25.00$25.003/18/2010 1:25:40 PM
stockpiler079$25.00$25.003/19/2010 8:14:11 AM
averagefore$25.00$25.003/19/2010 9:48:55 AM
shrewd-peace7$25.00$25.003/19/2010 12:40:17 PM
exchange-fountain$25.00$25.003/19/2010 1:00:28 PM
a-finance-nirvana$25.00$25.003/19/2010 1:09:25 PM
gmf$50.00$50.003/19/2010 7:34:51 PM
cathexis$100.00$100.003/20/2010 5:42:31 AM
Tahoeguy$50.00$50.003/20/2010 11:32:20 AM
orange-preeminant-bill$33.00$33.003/21/2010 6:44:56 AM
rescue$250.00$250.003/21/2010 7:48:45 AM
aldenrains$25.00$25.003/21/2010 7:54:31 AM
harmonious-revenue7$50.00$50.003/21/2010 5:52:24 PM
integrity-broker$25.00$25.003/21/2010 7:27:24 PM
versatile-platinum4$25.00$25.003/22/2010 9:32:46 AM
progressive-asset$100.00$100.003/22/2010 9:25:15 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:29 AM
ronow22$25.00$25.003/22/2010 10:29:13 AM
irrelevant$25.00$25.003/22/2010 10:03:45 AM
victorcab$35.00$35.003/22/2010 10:18:59 AM
Musicman1950$25.00$25.003/22/2010 10:23:27 AM
pawnshopman$25.00$25.003/22/2010 10:28:47 AM
akahoss$25.00$25.003/22/2010 10:29:29 AM
pureliquidhw$25.00$25.003/22/2010 11:11:22 AM
reinforced-deal8$50.00$50.003/22/2010 10:57:55 AM
Skyminor$40.00$40.003/22/2010 11:15:49 AM
lend_to_you$25.00$25.003/22/2010 11:08:54 AM
350DGRZ$25.00$25.003/22/2010 11:16:19 AM
time4aloan$50.00$50.003/22/2010 12:28:07 PM
wampum-cocktail$25.00$25.003/22/2010 12:28:24 PM
HarleyBoy$25.00$25.003/22/2010 12:07:40 PM
lloyd_s$25.00$25.003/22/2010 12:07:26 PM
792FICO$25.00$25.003/22/2010 12:33:52 PM
Unclejohn$35.00$35.003/22/2010 12:37:49 PM
oldguybiker$25.00$25.003/22/2010 12:42:44 PM
Occhy$75.00$75.003/22/2010 12:48:02 PM
brazilofmux$58.52$58.523/22/2010 1:22:43 PM
CarDealer3070$25.00$25.003/22/2010 1:57:26 PM
bountiful-bazaar$25.00$25.003/22/2010 1:44:23 PM
Citytrustbankerguy$25.00$25.003/22/2010 2:18:09 PM
funds-enlightenment4$25.00$25.003/22/2010 2:37:39 PM
rajs$150.00$150.003/22/2010 3:07:48 PM
honorable-yield$50.00$50.003/22/2010 5:33:20 PM
mattblizz$50.00$50.003/22/2010 7:18:49 PM
macjp123$25.00$25.003/17/2010 10:17:26 AM
Clambake$50.00$50.003/17/2010 10:17:57 AM
sharp-bill2$40.00$40.003/17/2010 10:21:02 AM
delicious-social132$25.00$25.003/17/2010 10:19:38 AM
fightinjoe$25.00$25.003/17/2010 10:20:46 AM
flexible-value$26.00$26.003/17/2010 10:25:24 AM
integrity-doctor$50.00$50.003/17/2010 10:26:49 AM
scrappy-bonus2$25.00$25.003/17/2010 10:29:47 AM
figs4u2$100.00$100.003/17/2010 10:27:25 AM
important-ore$50.00$50.003/17/2010 10:32:39 AM
unforgettable-order9$100.00$100.003/17/2010 10:37:47 AM
rate-gravity$100.00$100.003/17/2010 10:44:50 AM
wampum-chorus3$25.00$25.003/17/2010 11:42:52 AM
HedgeFund$40.00$40.003/17/2010 11:12:40 AM
GElender$49.71$49.713/17/2010 2:24:54 PM
siesta100$25.00$25.003/17/2010 3:47:53 PM
marilyn7$25.00$25.003/18/2010 8:12:29 AM
Pickmar$25.00$25.003/18/2010 12:26:13 PM
kanakakm$25.00$25.003/18/2010 6:03:33 PM
MissionMicroFinance$25.00$25.003/18/2010 8:27:30 PM
studious-bonus7$50.00$50.003/19/2010 5:11:22 AM
SanCarlos$100.00$100.003/19/2010 6:22:23 AM
the-profit-oracle$25.00$25.003/19/2010 7:19:00 AM
Rivervale_Westwood$25.00$25.003/19/2010 6:19:06 AM
don8ter$25.00$25.003/19/2010 7:47:31 AM
totoro$25.00$25.003/19/2010 10:49:30 AM
KeyS80$50.00$50.003/19/2010 12:21:07 PM
inspiring-reward$25.00$25.003/19/2010 1:17:34 PM
jstnow$25.00$25.003/19/2010 1:28:14 PM
skuba$25.00$25.003/19/2010 6:17:32 PM
gulch$25.00$25.003/19/2010 7:42:37 PM
Binan$25.00$25.003/20/2010 4:47:10 AM
aurorafinancial$50.00$50.003/20/2010 7:57:57 AM
adir1$25.00$25.003/20/2010 1:01:25 PM
gnuey$25.00$25.003/20/2010 2:17:31 PM
commitment-farm$25.00$25.003/20/2010 4:17:27 PM
responsibility-mulberry$25.00$25.003/21/2010 2:52:22 PM
aasx1108$25.00$25.003/21/2010 2:52:40 PM
first-upright-payout$25.00$25.003/21/2010 3:27:19 PM
TCR3$25.00$25.003/21/2010 9:12:24 PM
awm$25.00$25.003/22/2010 4:07:27 AM
hrubinst$25.00$25.003/22/2010 9:43:20 AM
gecko68$25.00$25.003/22/2010 10:03:55 AM
chicco$56.00$56.003/22/2010 10:11:56 AM
responsible-investment0$50.00$50.003/22/2010 10:58:56 AM
kmr2$80.00$80.003/22/2010 10:56:27 AM
mikeandcat$50.00$50.003/22/2010 10:56:49 AM
goodken$25.00$25.003/22/2010 10:58:07 AM
ciccio70$25.00$25.003/22/2010 10:58:36 AM
mommyhelper$25.00$25.003/22/2010 11:16:05 AM
asset-professor$75.00$75.003/22/2010 11:16:09 AM
debt-system880$25.00$25.003/22/2010 11:29:21 AM
treasure-transporter$25.00$25.003/22/2010 12:40:00 PM
visionary-currency$34.65$34.653/22/2010 1:22:48 PM
BeemerRider$25.00$25.003/22/2010 1:29:58 PM
Dr_Starchildren$25.00$25.003/22/2010 1:21:50 PM
Dglue2gether$25.00$25.003/22/2010 3:05:16 PM
mmckune$25.00$20.123/22/2010 5:34:10 PM
130 bids
 
Borrower Payment Dependent Notes Series 450729
This series of Notes was issued and sold upon the funding of the borrower loan #41575, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $215.61
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $204.80
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
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-1990 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:2y 2m
Credit score: 640-659 (Mar-2010) Total credit lines: 23 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $17,104Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: ExcellentGreen 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
Card Companies Raising Rates!
Purpose of loan:
For the past several years I have paid my cards off COMPLETELY, EVERY MONTH. But in the last year, after some trips to visit family and then some minor emergencies (car, more travel, house work), I'm lately stuck at about $6,500 total debt and not pulling ahead of the (recently raised) interest rates quickly enough. While I haven't missed any payments, I dislike paying these excessive charges to evil credit card companies and would much rather pay them to YOU (I'm also a Prosper Lender by the way).

I was about to post then saw that my rating was "D" - this is much lower than I expected, and believe it's from carrying that debt for too long and having credit limits reduced recently. Some years ago we got into a rough patch, thus some negative marks on the report that haven't expired yet. Since then we've had job and financial situation improvements, and a refi at a very low fixed rate, and it's all good. Not sure why the House Ownership is listed as "No" since we do own - perhaps because there is a mortgage?

My financial situation:
Our family gross income is about $154,000 per year. My wife makes about 50% more than I do. We own our home (a lovely Victorian) in San Francisco and have a medium mortgage (about half the current value of the house) at a very low rate.

MY Monthly NET income: $3,600 (Gross at 64K/year). This does NOT include my wife's income, which is about 90K/year (I wasn't allowed to enter this during setup).

Why you should jump at this:
Because I expect it to be paid quickly and easily, and we are NOT likely to default.

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: Hi, can you provide numbers for your monthly expenses. Thanks. - bazaar-pizza
A: Thanks for the question! I'll try to compile a good summary shortly. In the meantime, I can tell you that our monthly expenses are pretty high - otherwise with our income this debt wouldn't be a concern. Note that we live in San Francisco, one of the most expensive cities in the US (we own our home from before the prices rose so high). For example, my and my wife's commute combined - just the drive to work and back - average about $500+ a month. Out of room for typing! Will add more soon. (Mar-19-2010)
Q: Woudl you be able to comment on deliquencies on your report? Please also provide balances and rates on your CC and comment on which ones you are planning to pay down. - catalystcf
A: Thanks for asking! I was "underemployed" a few years ago. Some cards were late-paid and then closed. This changed at my current job (large PR firm). I'm well-appreciated, and expect a 5% raise shortly. Will pay Chase first. Rather pay interest to *people* instead of evil banks. . Cards: Chase -$4,745.28 / 27.24% Capital1 -$2,368.59 / 17.90% Household -$1,820.50 / 0% .Cash: $1,390.50 . Stocks: Schwab $1,004.84 Sharebldr $3,751.57 Work $596.89 . IRA/401K:$18,464.83 (Mar-23-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Kaj$25.00$25.003/18/2010 4:24:18 PM
Purposeful$25.00$25.003/18/2010 4:25:47 PM
personal-lender$25.00$25.003/18/2010 4:29:52 PM
Zolton$200.00$200.003/18/2010 4:30:08 PM
honorable-yield$35.00$35.003/18/2010 4:30:21 PM
ukstevenhawaii$50.00$50.003/18/2010 4:30:46 PM
asset-professor$35.00$35.003/18/2010 4:31:27 PM
secobarbital$25.00$25.003/18/2010 4:29:39 PM
elevated-platinum5$25.00$25.003/18/2010 4:30:12 PM
CarDealer3070$30.00$30.003/18/2010 4:30:30 PM
rhin0cerx$50.00$50.003/18/2010 4:31:20 PM
reflective-rupee$25.00$25.003/18/2010 5:28:18 PM
SolarMoonshine$25.00$25.003/18/2010 5:46:16 PM
Tycho$26.00$26.003/19/2010 10:32:50 AM
marala4285$25.00$25.003/20/2010 7:12:17 AM
jump58$50.00$50.003/20/2010 9:34:31 AM
principal-star$25.00$25.003/21/2010 11:51:30 AM
golffish2$100.00$100.003/22/2010 7:52:47 AM
SamuelChee$33.01$33.013/22/2010 1:10:06 PM
Bob450$25.00$25.003/22/2010 8:31:59 PM
rubylender$25.00$25.003/23/2010 11:23:19 AM
gpuck$25.00$25.003/23/2010 4:00:19 PM
catalystcf$25.00$25.003/24/2010 11:04:54 AM
ChrisKwan$25.00$25.003/24/2010 10:57:51 AM
b-rent$25.00$25.003/24/2010 11:07:59 AM
heerzaquestion$25.00$25.003/24/2010 11:16:26 AM
malomar66$58.57$58.573/24/2010 11:49:21 AM
akakii$50.00$50.003/24/2010 12:39:44 PM
enthusiastic-balance5$100.00$100.003/24/2010 1:34:15 PM
tcbmc$25.00$25.003/24/2010 4:53:13 PM
moose-capital-funding$28.17$28.173/24/2010 5:06:00 PM
cerbear9$25.00$25.003/24/2010 5:42:31 PM
justme4now$50.00$50.003/24/2010 4:27:03 PM
LibbyZ$44.80$44.803/24/2010 4:59:06 PM
loss-of-control$25.00$25.003/24/2010 6:58:03 PM
credit-missile$100.00$100.003/24/2010 11:45:06 PM
Get56$25.00$25.003/25/2010 1:18:40 AM
kingston1$25.00$25.003/24/2010 9:48:56 PM
leverage-monger$25.64$25.643/25/2010 7:40:03 AM
payout-comet$25.00$25.003/25/2010 12:25:05 AM
businessguy29$25.00$25.003/25/2010 7:45:29 AM
mckhbnpc$25.00$25.003/25/2010 8:22:43 AM
UCLA4life$25.00$25.003/25/2010 8:22:54 AM
ore-dojo$50.00$50.003/25/2010 9:11:30 AM
Leshan$50.00$50.003/25/2010 6:34:57 AM
rate-hickory$25.00$25.003/25/2010 9:24:50 AM
worthy-bid4$25.00$25.003/25/2010 9:33:29 AM
moramis$25.00$25.003/25/2010 10:55:28 AM
grnii78$78.00$78.003/25/2010 12:41:18 PM
friendinmoney$50.00$50.003/25/2010 2:56:13 PM
Bill88$30.00$30.003/25/2010 3:15:56 PM
djkaiser$42.96$42.963/25/2010 2:30:16 PM
friendinmoney$25.00$25.003/25/2010 3:52:34 PM
Engineer44$30.00$30.003/25/2010 3:34:12 PM
social-conductor4$25.00$25.003/18/2010 4:23:52 PM
oldmora$25.00$25.003/18/2010 4:24:21 PM
nletunic$25.00$25.003/18/2010 4:29:36 PM
Cai8899$30.00$30.003/18/2010 4:29:46 PM
hope-equation$50.00$50.003/18/2010 4:29:51 PM
orange-courageous-dedication$30.00$30.003/18/2010 4:30:02 PM
sympathetic-asset$25.00$25.003/18/2010 4:30:41 PM
skuba$25.00$25.003/18/2010 4:31:36 PM
greenwell$25.00$25.003/18/2010 4:31:29 PM
deegeeman$50.00$17.783/18/2010 4:31:39 PM
successful-euro$40.00$40.003/18/2010 4:29:05 PM
AF_Trust$25.00$25.003/18/2010 4:30:14 PM
chicagoman$25.00$25.003/18/2010 4:30:37 PM
nrowland$25.00$25.003/18/2010 4:31:19 PM
irrelevant$25.00$25.003/18/2010 4:43:22 PM
reflective-rupee$25.00$25.003/18/2010 5:28:06 PM
JGuide$101.50$101.503/18/2010 5:11:29 PM
JustMee$25.00$25.003/18/2010 5:03:30 PM
Bob450$25.00$25.003/18/2010 8:06:08 PM
new-peso-concerto$25.00$25.003/19/2010 6:43:09 AM
drg6289$25.00$25.003/19/2010 10:57:59 AM
Helenska11$25.00$25.003/19/2010 4:16:07 PM
jfs1179$25.00$25.003/19/2010 4:13:07 PM
keynaples$50.00$50.003/19/2010 4:22:40 PM
spiff666$25.00$25.003/20/2010 8:34:19 AM
charming-point$300.00$300.003/21/2010 10:20:08 AM
loanman2007$200.00$200.003/22/2010 1:37:58 PM
gjm6d$25.00$25.003/22/2010 9:33:50 PM
unger$50.00$50.003/23/2010 9:31:22 AM
eriqnoodle$25.00$25.003/23/2010 6:25:33 PM
dano1965$25.00$25.003/24/2010 5:49:09 AM
DasMula$50.00$50.003/24/2010 9:29:18 AM
interstellar$50.00$50.003/24/2010 10:03:33 AM
icon7$50.00$50.003/24/2010 10:43:18 AM
jybank$25.00$25.003/24/2010 10:29:24 AM
FinanceEngine$25.00$25.003/24/2010 10:59:28 AM
Astyanax$35.00$35.003/24/2010 11:15:23 AM
CoolPlexer$25.00$25.003/24/2010 2:11:09 PM
systematic-loan$100.00$100.003/24/2010 2:30:12 PM
JauaFlash$35.68$35.683/24/2010 5:08:33 PM
Value-Crusader5$27.00$27.003/24/2010 5:16:45 PM
WindyKid$50.00$50.003/24/2010 5:44:51 PM
vest_vortex$25.00$25.003/24/2010 6:46:33 PM
YoungTaxMan$50.00$50.003/24/2010 6:55:46 PM
photo999$25.00$25.003/24/2010 7:49:28 PM
credit-missile$46.11$46.113/24/2010 8:19:36 PM
KLcapital$30.00$30.003/24/2010 9:28:12 PM
RecoveryLender$25.00$25.003/25/2010 7:03:11 AM
SlickNick$25.00$25.003/25/2010 8:00:09 AM
clipper271$25.00$25.003/25/2010 8:30:14 AM
ore-dojo$50.00$50.003/25/2010 9:12:00 AM
OGS_Capital$25.00$25.003/25/2010 7:07:28 AM
umfan123$25.00$25.003/25/2010 7:26:12 AM
PotBellyPete$25.00$25.003/25/2010 9:54:11 AM
fair-payment4$25.00$25.003/25/2010 10:32:10 AM
onecooldrink$25.00$25.003/25/2010 9:17:00 AM
top-tranquil-justice$25.00$25.003/25/2010 9:54:30 AM
snm2001$25.00$25.003/25/2010 11:48:50 AM
principal-laser$30.00$30.003/25/2010 12:01:00 PM
patriot384$50.00$50.003/25/2010 12:07:15 PM
meers2000$25.00$25.003/25/2010 2:00:12 PM
shrewd-income$100.00$100.003/25/2010 2:08:33 PM
Isaac007$100.00$100.003/25/2010 2:11:07 PM
drkhelmet$25.00$25.003/25/2010 12:09:28 PM
Snoopylover$25.00$25.003/25/2010 12:18:47 PM
AF-Chief$28.00$28.003/25/2010 3:14:08 PM
paceme1$36.78$36.783/25/2010 3:40:14 PM
d_grbg$25.00$25.003/25/2010 3:41:40 PM
wwwUniversal$25.00$25.003/25/2010 3:52:06 PM
HomerdohNY$25.00$25.003/25/2010 4:10:13 PM
fireferd$40.00$40.003/25/2010 4:17:04 PM
125 bids
 
Borrower Payment Dependent Notes Series 450837
This series of Notes was issued and sold upon the funding of the borrower loan #41517, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $256.19
Final lender yield: 8.30% Final borrower rate/APR: 9.30% / 9.64% Final monthly payment: $255.52
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
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-1998 Debt/Income ratio: 30%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 22 / 19Length of status:5y 6m
Credit score: 800-819 (Mar-2010) Total credit lines: 30 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $12,903Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: efficient-truth0 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
Pay off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards.? I recently purchased a house with my boyfriend.? My boyfriend paid for the bulk of the down payment on the house, and he pays for the mortgage.? My contribution to the house was a new furnace, a roof repair, and other necessary repairs.? I would like this loan to pay off the credit card debt incurred for these necessary purchases for my new home.

My financial situation:
I am a good candidate for this loan because?I am an extremely hard worker and am determined to be out of debt as soon as possible. The form for this loan only allowed me to enter the employment information for one job.? I actually work two jobs regularly.? In addition to my full-time job income of $30,000 a year, I also have a part time job paying approximately $15,000 per year.? I can provide W-2 information for both jobs.? Please take my second job income into consideration when considering my eligibility for a loan. ?

I take my debts seriously, and I work diligently to pay them off.? My good credit score was the reason my boyfriend and I were able to purchase a house.? He is a Canadian citizen and had no credit history in the U.S.? I am an American citizen with a long and reliable credit history.? Without my good credit score, we would not have secured a mortgage.?

I am excited about this program and hope that you will consider me worthy of a loan.? When my debts are paid off, I would love to someday become a lender with Prosper, and help others in situations like mine.?


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: Just a What if question. If your boyfriend looses his job, will you still be able to cover the expenses of home ownership (mortg, taxes,etc)? Please answer publicly - XCWIZ007
A: Yes. With my jobs alone, I would be able to cover our expenses. We made sure of that before we bought the house. In addition, my boyfriend's job is in high demand, so I am not worried about us ever being in a situation where he would be unemployed for long. We are also diligent about saving, and have a several month "buffer" to cover expenses, as well as family that would help us if it ever came to that. (Mar-25-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
GElender$50.00$50.003/18/2010 4:26:43 PM
Microfinancer$25.00$25.003/18/2010 4:30:56 PM
delicious-social132$40.00$40.003/18/2010 4:32:09 PM
asset-professor$54.68$54.683/18/2010 4:30:59 PM
credit-force5$25.00$25.003/18/2010 4:32:42 PM
lendersf$95.00$95.003/18/2010 4:33:06 PM
flexible-value$31.00$31.003/18/2010 4:32:11 PM
AFairDeal$25.00$25.003/18/2010 4:33:59 PM
lender987654321$25.00$25.003/18/2010 4:34:51 PM
important-ore$100.00$100.003/18/2010 4:34:58 PM
BankofBen$25.00$25.003/18/2010 4:36:09 PM
MarinLoans$25.00$25.003/18/2010 4:36:24 PM
fcukciti$50.00$50.003/18/2010 4:39:29 PM
unforgettable-order9$100.00$100.003/18/2010 4:35:30 PM
Sam65$25.00$25.003/18/2010 4:46:03 PM
fiddlerzvi$25.00$25.003/18/2010 5:02:46 PM
shellback13$100.00$100.003/18/2010 6:56:21 PM
skvat$25.00$25.003/18/2010 7:58:33 PM
lenderforyoutoday$48.38$48.383/18/2010 9:02:55 PM
agbullet55443$200.00$200.003/18/2010 9:13:43 PM
bchen78875$45.34$45.343/18/2010 10:57:27 PM
Rivervale_Westwood$25.00$25.003/19/2010 6:18:52 AM
webfeet$25.00$25.003/19/2010 8:27:12 AM
don8ter$60.00$60.003/19/2010 7:47:59 AM
transparency-halo$25.00$25.003/19/2010 9:34:01 AM
buckyhead2000$25.00$25.003/19/2010 11:15:20 AM
tylerfd$25.00$25.003/19/2010 2:42:38 PM
payment-gusto$25.00$25.003/19/2010 2:27:35 PM
natural-affluence4$50.00$50.003/19/2010 3:08:53 PM
Kelor99$25.00$25.003/19/2010 4:32:41 PM
anton$39.06$39.063/19/2010 5:18:15 PM
chief219$25.00$25.003/19/2010 5:22:17 PM
dontscrewmeover1$50.00$50.003/20/2010 8:53:22 AM
bonus-angel3$25.00$25.003/20/2010 9:49:51 AM
djs81$25.00$25.003/20/2010 10:22:20 PM
Divot$25.00$25.003/20/2010 10:22:17 PM
authentic-diversification$25.00$25.003/21/2010 11:39:29 AM
mikeandcat$25.00$25.003/21/2010 6:03:39 PM
preventivepestcontrol$50.00$50.003/21/2010 9:59:40 PM
gain-seagull9$25.00$25.003/22/2010 6:27:57 AM
LilyMax$100.00$100.003/22/2010 8:08:44 AM
Railbird$25.00$25.003/22/2010 9:35:58 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:19 AM
morpholog$25.00$25.003/22/2010 10:28:25 AM
FlexFunding$100.00$100.003/22/2010 10:48:59 AM
lend_to_you$25.00$25.003/22/2010 11:08:42 AM
ciccio70$25.00$25.003/22/2010 10:58:26 AM
DDHMoney$25.00$25.003/22/2010 11:08:24 AM
fishtale$25.00$25.003/22/2010 11:15:38 AM
proteinart$25.00$25.003/22/2010 11:23:47 AM
FinDoc$25.00$25.003/22/2010 11:27:15 AM
brewman$25.00$25.003/22/2010 11:29:02 AM
wise-silver-wonder$25.00$25.003/22/2010 12:06:56 PM
painter85$50.00$50.003/22/2010 12:10:29 PM
KiwiElf$30.00$30.003/22/2010 12:07:13 PM
mightymousemom$50.00$50.003/22/2010 12:13:23 PM
trident9$25.00$25.003/22/2010 12:48:10 PM
wampum-optimization$50.00$50.003/22/2010 12:42:27 PM
springpanda$25.00$25.003/22/2010 1:59:48 PM
mathprof$25.00$25.003/22/2010 3:48:54 PM
dadalou$25.00$25.003/22/2010 5:17:49 PM
minista$25.00$25.003/22/2010 4:50:09 PM
latestone$25.00$25.003/22/2010 5:17:52 PM
ferdberfel$50.00$50.003/23/2010 3:22:43 AM
beeslow$35.11$35.113/22/2010 8:23:45 PM
circustab$50.00$50.003/23/2010 6:29:52 AM
scrubjohanson$32.73$32.733/23/2010 11:00:21 AM
Montgomery-Burns$25.00$25.003/23/2010 10:59:47 AM
thrilling-nickel5$25.00$25.003/23/2010 2:12:51 PM
daveseansworld$50.00$50.003/23/2010 4:05:05 PM
SCD$25.00$25.003/23/2010 7:15:41 PM
dano1965$25.00$25.003/24/2010 5:52:07 AM
BSr$44.24$44.243/24/2010 9:09:09 AM
Aridus$50.00$50.003/24/2010 8:30:09 AM
icon7$50.00$50.003/24/2010 10:44:36 AM
agab$25.00$25.003/24/2010 11:12:43 AM
WillingToHelpOut$25.00$25.003/24/2010 11:14:11 AM
usedtoborrow$100.00$100.003/24/2010 11:22:59 AM
orbital-gain$50.00$50.003/24/2010 1:20:41 PM
ecstatic-platinum7$25.00$25.003/24/2010 1:34:24 PM
bnordman$34.59$34.593/24/2010 4:54:58 PM
debt-legend$25.00$25.003/24/2010 5:38:17 PM
LJ_Capital$147.91$147.913/24/2010 6:19:31 PM
GlenBank30$25.00$25.003/24/2010 6:54:21 PM
elevated-finance$25.00$25.003/24/2010 6:37:08 PM
dmitriy2$25.00$25.003/24/2010 10:34:01 PM
UCSBGAUCHOS$25.00$25.003/25/2010 2:43:59 AM
XCWIZ007$75.00$75.003/25/2010 6:17:00 AM
historyman$25.00$25.003/25/2010 7:42:25 AM
crw1950$50.00$50.003/25/2010 8:01:57 AM
stammyc3$26.99$26.993/25/2010 9:25:23 AM
BeeHive$25.00$25.003/25/2010 7:39:47 AM
Jumping_Jedi$25.00$25.003/25/2010 9:54:46 AM
Happyhourcomics$25.00$25.003/25/2010 9:58:24 AM
knark$25.00$25.003/25/2010 10:11:04 AM
timtheman1$40.00$40.003/25/2010 9:09:54 AM
skuba$50.00$50.003/18/2010 4:31:00 PM
fightinjoe$25.00$25.003/18/2010 4:31:08 PM
kenji4861$25.00$25.003/18/2010 4:24:02 PM
bonus-adventure3$25.00$25.003/18/2010 4:33:03 PM
inspired-contract9$50.00$50.003/18/2010 4:26:05 PM
nletunic$25.00$25.003/18/2010 4:34:35 PM
restless-currency$25.00$25.003/18/2010 4:34:40 PM
jwood3030$25.00$25.003/18/2010 4:35:49 PM
TakeCare$50.00$50.003/18/2010 4:35:57 PM
loan-warrior$25.00$25.003/18/2010 4:36:06 PM
courteous-fund9$25.00$25.003/18/2010 4:37:23 PM
kchen486$25.00$25.003/18/2010 4:39:50 PM
bigballer105$50.00$50.003/18/2010 4:33:53 PM
contract-lotus$25.00$25.003/18/2010 4:40:45 PM
successful-euro$75.00$75.003/18/2010 4:34:09 PM
nhm$50.00$50.003/18/2010 4:43:36 PM
KandKLegacyInvestments$25.00$25.003/18/2010 4:43:26 PM
kanakakm$50.00$50.003/18/2010 6:03:11 PM
aasx1108$25.00$25.003/18/2010 6:38:01 PM
grampy48$25.00$25.003/19/2010 6:53:32 AM
webfeet$25.00$25.003/19/2010 8:27:41 AM
nickel-pipeline$25.00$25.003/19/2010 8:32:31 AM
responsibility-euphoria0$25.00$25.003/19/2010 9:33:44 AM
jjb3$25.00$25.003/19/2010 9:35:31 AM
Zipperdu$50.00$50.003/19/2010 10:24:48 AM
DeilaMiah$25.00$25.003/19/2010 11:53:02 AM
grampy48$25.00$25.003/19/2010 1:07:24 PM
honorable-yield$25.00$25.003/19/2010 1:00:11 PM
donmacprosper$25.00$25.003/19/2010 2:07:16 PM
goodguy2000$25.00$25.003/19/2010 3:37:43 PM
Castellan$25.00$25.003/19/2010 7:33:10 PM
radforj22$25.00$25.003/20/2010 3:22:20 AM
bank-examiner$25.00$25.003/20/2010 9:04:58 AM
selector568$400.00$400.003/20/2010 10:37:27 AM
auction-elvis$25.00$25.003/20/2010 11:07:19 AM
rulender$50.00$50.003/20/2010 11:32:41 AM
nav1elt$25.96$25.963/20/2010 4:59:30 PM
value-rocket$25.00$25.003/21/2010 4:12:09 AM
rescue$500.00$500.003/21/2010 7:47:51 AM
planet613$50.00$50.003/21/2010 10:23:41 AM
aldenrains$25.00$25.003/21/2010 12:43:11 PM
safe-commerce$25.00$25.003/21/2010 4:17:19 PM
LoisLoan$25.00$25.003/21/2010 3:33:34 PM
rmachi$25.00$25.003/21/2010 5:23:15 PM
xphile$25.00$25.003/22/2010 6:07:34 AM
versatile-platinum4$25.00$25.003/22/2010 9:33:40 AM
trade-cello$25.00$25.003/22/2010 9:34:23 AM
payogie$25.00$25.003/22/2010 9:34:42 AM
meers2000$30.00$30.003/22/2010 9:32:30 AM
spenrod$50.00$50.003/22/2010 10:02:37 AM
cingular$25.00$25.003/22/2010 10:27:30 AM
pawnshopman$25.00$25.003/22/2010 10:23:55 AM
Phantom99$25.00$25.003/22/2010 10:54:32 AM
bruin558$80.00$80.003/22/2010 10:49:09 AM
credit-magician$25.00$25.003/22/2010 10:58:13 AM
vacation-funding$25.00$25.003/22/2010 11:32:17 AM
microfunder$25.00$25.003/22/2010 11:37:09 AM
KlotzLending$25.00$25.003/22/2010 11:54:00 AM
finman17$25.00$25.003/22/2010 11:54:09 AM
PCash$25.00$25.003/22/2010 11:59:13 AM
js60l$25.00$25.003/22/2010 12:32:46 PM
impartial-deal$25.00$25.003/22/2010 12:32:56 PM
Dohshooter$100.00$100.003/22/2010 2:03:35 PM
MrAirport$50.00$50.003/22/2010 3:02:07 PM
uvawfs$100.00$100.003/22/2010 2:27:35 PM
hopethisworks$35.21$35.213/22/2010 3:22:38 PM
sisterkate$25.00$25.003/22/2010 5:20:53 PM
chilichese$25.00$1.153/22/2010 5:21:09 PM
newest-zippy-note$25.00$25.003/22/2010 7:50:22 PM
akurosawafan$40.00$40.003/23/2010 10:58:54 AM
interstellar$50.00$50.003/23/2010 11:07:55 AM
rajs$100.00$100.003/23/2010 1:10:34 PM
wwwUniversal$25.00$25.003/23/2010 4:10:29 PM
flshdaskll$25.00$25.003/23/2010 7:20:19 PM
JerryB96$25.00$25.003/24/2010 5:25:05 AM
chesterCFO$25.00$25.003/24/2010 6:09:13 AM
napoleon1168$25.00$25.003/24/2010 10:08:12 AM
zx12rider$25.00$25.003/24/2010 10:21:27 AM
REITRUST$25.00$25.003/24/2010 10:11:04 AM
iruz$75.15$75.153/24/2010 10:57:32 AM
hilsoon$25.00$25.003/24/2010 11:00:49 AM
Astyanax$26.36$26.363/24/2010 11:17:34 AM
Patrician$49.28$49.283/24/2010 11:58:38 AM
gemoscar$50.00$50.003/24/2010 1:35:16 PM
FundMaker$25.00$25.003/24/2010 1:56:06 PM
OswegoUSA$25.00$25.003/24/2010 4:46:01 PM
smilinguy$25.00$25.003/24/2010 5:33:40 PM
socal-lender$25.00$25.003/24/2010 5:37:53 PM
psbruce$25.00$25.003/24/2010 7:31:33 PM
RiskManiac$25.00$25.003/24/2010 6:27:27 PM
suburbanman64$35.00$35.003/24/2010 6:32:05 PM
AsianDragon$50.00$50.003/24/2010 6:34:51 PM
gjm6d$25.00$25.003/24/2010 6:35:39 PM
KingCroesus$25.00$25.003/24/2010 10:18:55 PM
Charmart$25.00$25.003/25/2010 3:15:49 AM
JohnQGalt$50.00$50.003/24/2010 8:23:22 PM
YummiBear$25.00$25.003/24/2010 8:40:16 PM
sturdy-velocity6$25.00$25.003/25/2010 9:37:26 AM
Sarspatula$46.86$46.863/25/2010 9:33:36 AM
195 bids
 
Borrower Payment Dependent Notes Series 450887
This series of Notes was issued and sold upon the funding of the borrower loan #41492, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,750.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-23-2010 
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $248.18
Final lender yield: 8.47% Final borrower rate/APR: 9.47% / 9.81% Final monthly payment: $248.15
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.97%  
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-1986 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:2y 4m
Credit score: 820-839 (Mar-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $465Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: new-p2p-elevator Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Starting a new chapter of my life!!
Purpose of loan:
I will be using this loan to pay off a high interest credit card.? Unfortunately, my life has taken an unexpected turn with the recent ending of my engagement and it is crucial to my ability to move on and out of my house, that I currently share with my ex, that I pay off this credit card.? This card was mainly used for living/house expenses when both my ex and I were laid off together from our jobs in the mortgage industry a couple years ago.

My financial situation:
I am a good candidate for this loan because I have above excellent credit.? I have never been late on a credit card payment or my mortgage.? I always pay well above the minimum on this credit card.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
baroo$25.00$25.003/18/2010 4:21:24 PM
kenji4861$25.00$25.003/18/2010 4:24:00 PM
cash-sensai2$25.00$25.003/18/2010 4:25:55 PM
skuba$50.00$50.003/18/2010 4:31:02 PM
egw$25.00$25.003/18/2010 4:32:03 PM
fightinjoe$25.00$25.003/18/2010 4:31:06 PM
successful-euro$30.00$30.003/18/2010 4:26:01 PM
inspired-contract9$50.00$50.003/18/2010 4:26:04 PM
turbospeed$25.00$25.003/18/2010 4:26:50 PM
bonus-adventure3$25.00$25.003/18/2010 4:33:02 PM
nletunic$25.00$25.003/18/2010 4:34:34 PM
restless-currency$25.00$25.003/18/2010 4:34:38 PM
loan-warrior$25.00$25.003/18/2010 4:36:05 PM
Microfinancer$25.00$25.003/18/2010 4:30:55 PM
asset-professor$100.00$100.003/18/2010 4:30:59 PM
unforgettable-order9$100.00$100.003/18/2010 4:35:29 PM
courteous-fund9$25.00$25.003/18/2010 4:37:23 PM
credit-force5$25.00$25.003/18/2010 4:32:41 PM
lendersf$95.00$95.003/18/2010 4:33:05 PM
kchen486$25.00$25.003/18/2010 4:39:48 PM
fireboss$25.00$25.003/18/2010 4:41:52 PM
contract-lotus$25.00$25.003/18/2010 4:40:43 PM
TakeCare$50.00$50.003/18/2010 4:35:57 PM
kanakakm$50.00$50.003/18/2010 6:03:09 PM
aasx1108$25.00$25.003/18/2010 6:38:00 PM
skvat$25.00$25.003/18/2010 7:58:31 PM
dollar-birdie$27.12$27.123/18/2010 11:23:12 PM
lenderforyoutoday$50.00$50.003/18/2010 9:02:53 PM
gsp1885$26.00$26.003/19/2010 12:42:18 AM
CorMDNY$25.00$25.003/19/2010 3:23:44 AM
transparency-halo$25.00$25.003/19/2010 9:34:00 AM
docdekay$40.00$40.003/19/2010 9:34:57 AM
peach17$25.00$25.003/19/2010 9:34:48 AM
Zipperdu$50.00$50.003/19/2010 10:22:57 AM
phredd$25.00$25.003/19/2010 11:05:12 AM
awwaww$25.00$25.003/19/2010 11:16:50 AM
axl163$25.00$25.003/19/2010 11:39:45 AM
bchen78875$50.00$50.003/19/2010 11:41:23 AM
shadowflame_99$25.00$25.003/19/2010 11:54:26 AM
Cheburashka$30.00$30.003/19/2010 11:15:12 AM
Walkingcowboy$25.00$25.003/19/2010 11:48:38 AM
jd006006$32.62$32.623/19/2010 12:05:26 PM
mlopez2007$25.00$25.003/19/2010 11:30:22 AM
pwkpwk$25.00$25.003/19/2010 12:12:36 PM
dphoenix$25.00$25.003/19/2010 12:05:10 PM
cjames84$25.00$25.003/19/2010 11:47:56 AM
Railbird$25.00$25.003/19/2010 12:30:31 PM
HHP$25.00$25.003/19/2010 12:31:22 PM
lloyd_s$25.00$25.003/19/2010 12:31:36 PM
lean-pound$25.00$25.003/19/2010 12:38:30 PM
red-trade-cologne$25.00$25.003/19/2010 12:30:14 PM
bridgedoctor$25.00$25.003/19/2010 12:30:19 PM
dpfl55$25.00$25.003/19/2010 12:12:46 PM
payogie$25.00$25.003/19/2010 12:40:04 PM
Toby1montana$35.83$35.833/19/2010 12:50:27 PM
alverado$27.29$27.293/19/2010 12:50:41 PM
winter-vigilance$25.00$25.003/19/2010 12:59:30 PM
moola-man$29.65$29.653/19/2010 12:59:43 PM
sentimental-euro$25.00$25.003/19/2010 1:08:20 PM
selector568$68.77$68.773/19/2010 1:08:30 PM
zento$25.00$25.003/19/2010 12:52:46 PM
brightest-durability-chomper$25.00$25.003/19/2010 1:07:45 PM
hard-working-loot$25.00$25.003/19/2010 1:07:50 PM
edgeofpdx$25.00$25.003/19/2010 1:17:29 PM
Fortuno_per_commodo$36.54$36.543/19/2010 12:59:20 PM
radforj22$25.00$25.003/19/2010 1:09:29 PM
canisian$25.00$25.003/19/2010 1:42:19 PM
Sibelius2$25.00$25.003/19/2010 1:47:54 PM
anacho4me$25.00$25.003/19/2010 2:12:15 PM
cesta283$25.00$25.003/19/2010 1:47:50 PM
donmacprosper$25.00$25.003/19/2010 2:07:14 PM
Zanch$25.00$25.003/19/2010 2:49:42 PM
SC98007$25.00$25.003/19/2010 2:48:32 PM
goodguy2000$25.00$25.003/19/2010 3:37:42 PM
baseballfan111$25.00$25.003/19/2010 3:28:50 PM
Kelor99$25.00$25.003/19/2010 4:34:29 PM
GElender$44.00$44.003/20/2010 9:00:12 AM
anton$150.00$150.003/20/2010 10:45:06 AM
Sam65$25.00$25.003/20/2010 10:44:18 AM
buckyhead2000$25.00$25.003/20/2010 6:42:15 PM
RandyL3$33.00$33.003/21/2010 6:37:21 AM
GrayStudio$50.00$50.003/21/2010 7:48:28 AM
authentic-diversification$25.00$25.003/21/2010 11:39:28 AM
JABank$25.00$25.003/21/2010 9:44:37 AM
LilyMax$100.00$100.003/22/2010 8:06:30 AM
scottssm$28.00$28.003/22/2010 9:33:51 AM
meers2000$30.00$30.003/22/2010 9:32:30 AM
Vennela$40.00$40.003/22/2010 9:33:12 AM
versatile-platinum4$25.00$25.003/22/2010 9:33:39 AM
trade-cello$25.00$25.003/22/2010 9:34:22 AM
spenrod$50.00$50.003/22/2010 10:02:35 AM
pawnshopman$25.00$25.003/22/2010 10:23:54 AM
Ciphernetic$25.00$25.003/22/2010 10:23:46 AM
minista$25.00$25.003/22/2010 10:37:08 AM
credit-magician$25.00$25.003/22/2010 10:58:12 AM
lend_to_you$25.00$25.003/22/2010 11:08:39 AM
ciccio70$25.00$25.003/22/2010 10:58:24 AM
fishtale$25.00$25.003/22/2010 11:15:36 AM
brewman$25.00$25.003/22/2010 11:29:00 AM
vacation-funding$25.00$25.003/22/2010 11:32:18 AM
KlotzLending$25.00$25.003/22/2010 11:53:57 AM
PCash$25.00$25.003/22/2010 11:59:12 AM
mikeandcat$70.70$70.703/22/2010 12:42:38 PM
TexasLender2007$25.00$25.003/22/2010 3:22:16 PM
thrilling-nickel5$25.00$1.893/22/2010 5:22:07 PM
Divot$25.00$25.003/22/2010 5:30:17 PM
djs81$25.00$25.003/22/2010 5:34:32 PM
GAOGERAM_BANK$25.00$25.003/22/2010 8:58:56 PM
tender-gold$25.00$25.003/22/2010 10:22:14 PM
trade-elm$25.00$25.003/23/2010 6:54:56 AM
Doc23$25.00$25.003/23/2010 10:33:42 AM
Cherrypicker06$25.00$25.003/23/2010 11:07:40 AM
rmachi$25.00$25.003/23/2010 9:58:48 AM
keyfig$25.57$25.573/23/2010 11:55:07 AM
mattpet$25.00$25.003/23/2010 2:42:22 PM
cjohnson041$35.00$35.003/23/2010 2:49:31 PM
rjblack$29.47$29.473/23/2010 12:23:07 PM
Kravcorp$25.00$25.003/23/2010 1:17:27 PM
incbx$50.00$50.003/23/2010 4:12:42 PM
wwwUniversal$25.00$25.003/23/2010 4:10:56 PM
windfall46$25.00$25.003/23/2010 4:59:00 PM
Jynxie$50.00$50.003/18/2010 4:31:58 PM
flexible-value$31.00$31.003/18/2010 4:32:12 PM
important-ore$100.00$100.003/18/2010 4:34:58 PM
MarinLoans$25.00$25.003/18/2010 4:36:23 PM
jwood3030$25.00$25.003/18/2010 4:35:50 PM
delicious-social132$40.00$40.003/18/2010 4:32:08 PM
bigballer105$50.00$50.003/18/2010 4:33:52 PM
AFairDeal$25.00$25.003/18/2010 4:33:58 PM
lender987654321$25.00$25.003/18/2010 4:34:51 PM
BankofBen$25.00$25.003/18/2010 4:36:08 PM
KandKLegacyInvestments$25.00$25.003/18/2010 4:43:11 PM
fcukciti$50.00$50.003/18/2010 4:39:28 PM
nhm$50.00$50.003/18/2010 4:43:37 PM
fiddlerzvi$25.00$25.003/18/2010 5:02:44 PM
reflective-deal8$25.00$25.003/18/2010 7:37:50 PM
kmprospeo$25.00$25.003/18/2010 8:52:32 PM
blot44$25.00$25.003/18/2010 9:07:33 PM
elasermd$25.00$25.003/19/2010 7:12:33 AM
Rivervale_Westwood$25.00$25.003/19/2010 6:18:51 AM
grampy48$25.00$25.003/19/2010 6:53:33 AM
don8ter$60.00$60.003/19/2010 7:48:02 AM
DeilaMiah$25.00$25.003/19/2010 9:33:03 AM
lively-point$25.00$25.003/19/2010 9:33:38 AM
galtsgulch$25.00$25.003/19/2010 9:37:02 AM
responsibility-euphoria0$25.00$25.003/19/2010 9:33:42 AM
hawaiiangirl76$25.00$25.003/19/2010 9:33:57 AM
GetItRight$25.00$25.003/19/2010 9:34:24 AM
jjb3$25.00$25.003/19/2010 9:35:29 AM
BayShell$50.00$50.003/19/2010 10:58:21 AM
kcole10$25.00$25.003/19/2010 11:39:48 AM
Philosonie$25.00$25.003/19/2010 11:41:25 AM
community-pipeline8$35.09$35.093/19/2010 11:30:29 AM
Aethelinde$28.33$28.333/19/2010 11:39:12 AM
bds9646$26.00$26.003/19/2010 12:05:43 PM
PoliticinandNegotiatin$25.00$25.003/19/2010 11:39:49 AM
MAJESTIC5$31.75$31.753/19/2010 12:18:37 PM
SpadeMike$32.27$32.273/19/2010 12:19:30 PM
MTLoans$25.00$25.003/19/2010 12:12:44 PM
tylerfd$25.00$25.003/19/2010 12:13:10 PM
hopethisworks$26.40$26.403/19/2010 12:31:38 PM
meenan$25.00$25.003/19/2010 12:20:29 PM
1fortheroad$25.00$25.003/19/2010 12:04:58 PM
JohnGalt94$25.00$25.003/19/2010 12:30:17 PM
determined-contract$30.00$30.003/19/2010 1:08:06 PM
grampy48$25.00$25.003/19/2010 1:08:28 PM
payment-gusto$25.00$25.003/19/2010 2:27:34 PM
poppinkid$25.00$25.003/19/2010 1:27:48 PM
trade-pumpkin$26.74$26.743/19/2010 1:42:18 PM
shrewd-peace7$25.00$25.003/19/2010 2:49:03 PM
listenfirst$36.13$36.133/19/2010 3:28:52 PM
chief219$25.00$25.003/19/2010 5:22:18 PM
dontscrewmeover1$50.00$50.003/20/2010 8:52:11 AM
auction-elvis$25.00$25.003/20/2010 11:07:18 AM
antlr$25.00$25.003/20/2010 11:02:28 AM
rulender$50.00$50.003/20/2010 11:32:42 AM
TheTimeIsNow$25.00$25.003/21/2010 7:47:57 AM
rescue$500.00$500.003/21/2010 7:47:49 AM
aldenrains$25.00$25.003/21/2010 12:43:09 PM
LoisLoan$25.00$25.003/21/2010 3:33:31 PM
manuvns$25.00$25.003/21/2010 8:18:18 PM
first-class-transparency2$117.74$117.743/21/2010 9:24:30 PM
xphile$25.00$25.003/22/2010 6:07:35 AM
gain-seagull9$25.00$25.003/22/2010 6:27:55 AM
stable-money$25.00$25.003/22/2010 9:34:13 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:18 AM
honorable-yield$75.00$75.003/22/2010 10:03:32 AM
micko$25.00$25.003/22/2010 9:46:32 AM
FlexFunding$100.00$100.003/22/2010 10:49:00 AM
proteinart$25.00$25.003/22/2010 11:23:44 AM
finman17$25.00$25.003/22/2010 11:54:08 AM
WealthBuildingLessons$25.00$25.003/22/2010 12:42:20 PM
trident9$25.00$25.003/22/2010 12:48:09 PM
wampum-optimization$50.00$50.003/22/2010 12:42:26 PM
uvawfs$100.00$100.003/22/2010 2:27:33 PM
wild_carrot$25.00$25.003/22/2010 5:15:15 PM
adhawan325$25.00$25.003/22/2010 5:22:55 PM
shrewd-deal$25.00$25.003/22/2010 5:40:10 PM
bruin558$72.22$72.223/22/2010 5:49:51 PM
Dreamconnection$25.00$25.003/22/2010 5:52:13 PM
FinDoc$25.00$25.003/22/2010 5:33:59 PM
rosie777$30.00$30.003/22/2010 5:51:46 PM
Steveoo1$25.00$25.003/22/2010 6:37:15 PM
Attract$25.00$25.003/23/2010 12:52:32 AM
ferdberfel$50.00$50.003/23/2010 3:22:42 AM
TrixieD$25.00$25.003/22/2010 9:38:26 PM
gnuey$50.00$50.003/22/2010 10:47:18 PM
afotherg$25.00$25.003/23/2010 7:07:21 AM
Supernick$50.00$50.003/23/2010 10:59:14 AM
mathprof$25.00$25.003/23/2010 11:25:08 AM
interest-satellite$25.00$25.003/23/2010 11:41:19 AM
TCayce$25.00$25.003/23/2010 11:48:22 AM
integrity-builder$100.00$100.003/23/2010 3:26:41 PM
Pollack$50.00$50.003/23/2010 1:07:19 PM
MiniCapital$60.00$60.003/23/2010 1:23:29 PM
bigdogsafety1$25.00$25.003/23/2010 1:42:55 PM
Cai8899$49.88$49.883/23/2010 3:12:41 PM
j2ee$25.00$25.003/23/2010 5:37:23 PM
218 bids
 
Borrower Payment Dependent Notes Series 450997
This series of Notes was issued and sold upon the funding of the borrower loan #41569, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-19-2010 
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $161.34
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $156.68
 
Auction yield range: 3.04% - 9.00% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.40%  
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-1993 Debt/Income ratio: 22%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:1y 7m
Credit score: 760-779 (Mar-2010) Total credit lines: 14 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $11,262Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 4%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Robarron Borrower's state: SouthDakota 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
Unexpected expenses
Purpose of loan:
This loan will be used to pay for some unexpected expenses incurred in my consulting business

My financial situation:is good
I am a good candidate for this loan because I can easily make monthly payments and perhaps twice a month payments depending on the advantage of doing so
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kenji4861$25.00$25.003/18/2010 4:23:58 PM
successful-euro$30.00$30.003/18/2010 4:25:59 PM
asset-professor$100.00$100.003/18/2010 4:30:58 PM
delicious-social132$40.00$40.003/18/2010 4:32:07 PM
flexible-value$31.00$31.003/18/2010 4:32:14 PM
fightinjoe$25.00$25.003/18/2010 4:31:04 PM
inspired-contract9$50.00$50.003/18/2010 4:26:03 PM
nletunic$25.00$25.003/18/2010 4:34:33 PM
bigballer105$50.00$50.003/18/2010 4:33:51 PM
lender987654321$25.00$25.003/18/2010 4:34:50 PM
bonus-adventure3$25.00$25.003/18/2010 4:33:01 PM
lendersf$95.00$95.003/18/2010 4:33:04 PM
klinebarger$25.00$25.003/18/2010 4:41:54 PM
TakeCare$50.00$50.003/18/2010 4:35:55 PM
fireboss$25.00$25.003/18/2010 4:41:51 PM
MarinLoans$25.00$25.003/18/2010 4:36:22 PM
openness-prospector$25.00$25.003/18/2010 4:53:12 PM
brightest-income-hunter$25.00$25.003/18/2010 4:53:54 PM
Walkingcowboy$25.00$25.003/18/2010 4:55:58 PM
best-vivacious-funds$25.00$25.003/18/2010 4:53:57 PM
trustworthy-finance6$25.00$25.003/18/2010 5:18:20 PM
benefit-sniffer$25.00$25.003/18/2010 4:52:53 PM
calessabay$25.00$25.003/18/2010 6:12:28 PM
forthright-trade$32.02$32.023/18/2010 4:53:09 PM
platinum-platoon$25.00$25.003/18/2010 6:12:57 PM
listenfirst$50.00$50.003/18/2010 6:13:14 PM
wampum-reaction2$25.00$25.003/18/2010 6:13:32 PM
jeffpac$55.00$55.003/18/2010 6:13:36 PM
financeboy$25.00$25.003/18/2010 6:12:55 PM
durability-balance4$50.00$50.003/18/2010 6:13:00 PM
phredd$41.42$41.423/18/2010 6:13:15 PM
tokenentry$25.00$25.003/18/2010 6:27:21 PM
reflective-deal8$50.00$50.003/18/2010 6:13:32 PM
HHP$25.00$25.003/18/2010 6:13:37 PM
BayShell$46.00$46.003/18/2010 5:03:05 PM
community-pipeline8$33.13$33.133/18/2010 5:12:14 PM
MO_Investor$25.00$25.003/18/2010 5:22:14 PM
RMB-Investments$25.00$25.003/18/2010 6:12:33 PM
skvat$25.00$25.003/18/2010 6:13:02 PM
Zanch$25.00$25.003/18/2010 6:13:19 PM
KamiKen$35.82$35.823/18/2010 7:58:39 PM
wiselady$25.00$25.003/18/2010 6:13:40 PM
meenan$25.00$25.003/18/2010 6:57:31 PM
lenderforyoutoday$50.00$50.003/18/2010 9:02:52 PM
blot44$25.00$25.003/18/2010 9:07:02 PM
Philosonie$25.00$25.003/18/2010 11:17:52 PM
orbital-gold4$25.00$25.003/18/2010 11:22:56 PM
bailey14$25.00$25.003/18/2010 11:23:00 PM
LandE2BG$25.00$25.003/18/2010 11:23:03 PM
senorzookeeper$25.00$25.003/18/2010 11:23:08 PM
micko$25.00$25.003/19/2010 12:03:48 AM
cash-vault$25.00$25.003/18/2010 11:32:21 PM
gsp1885$26.00$26.003/19/2010 12:42:57 AM
friendly-worth3$25.00$25.003/19/2010 12:03:45 AM
CorMDNY$25.00$25.003/19/2010 3:23:40 AM
elasermd$34.40$34.403/19/2010 3:27:14 AM
radforj22$25.00$25.003/19/2010 1:50:52 AM
Rivervale_Westwood$25.00$25.003/19/2010 6:18:50 AM
tpq$25.00$25.003/18/2010 11:22:58 PM
unclejaef$25.00$25.003/18/2010 11:23:07 PM
elegant-income3$25.00$25.003/18/2010 11:32:19 PM
HunterSix$25.00$25.003/19/2010 6:32:18 AM
azali$50.00$50.003/19/2010 7:13:18 AM
galtsgulch$25.00$25.003/19/2010 6:32:20 AM
don8ter$60.00$60.003/19/2010 7:48:02 AM
SDNLR$25.00$25.003/19/2010 8:13:29 AM
hopethisworks$53.99$53.993/19/2010 7:27:39 AM
prashgig$25.00$25.003/19/2010 8:47:24 AM
oceanwind1950$25.00$25.003/19/2010 9:32:46 AM
creed99$25.00$25.003/19/2010 9:32:37 AM
DeilaMiah$25.00$25.003/19/2010 9:33:01 AM
lively-point$25.00$25.003/19/2010 9:33:37 AM
peach17$25.00$25.003/19/2010 9:34:46 AM
respectablename$25.00$25.003/19/2010 8:57:14 AM
gain-boomerang5$25.00$25.003/19/2010 9:35:04 AM
wwwUniversal$25.00$5.783/19/2010 10:02:22 AM
Sibelius2$25.00$25.003/19/2010 10:02:18 AM
Dazz2061$25.00$25.003/19/2010 11:23:10 AM
first-generosity-harmonica$25.00$25.003/19/2010 11:28:50 AM
PA2LA$25.00$25.003/19/2010 11:22:43 AM
open-minded-credit4$25.00$25.003/19/2010 11:28:52 AM
teller$54.40$54.403/19/2010 11:29:32 AM
PoliticinandNegotiatin$25.00$25.003/19/2010 11:17:05 AM
cash-sensai2$25.00$25.003/18/2010 4:25:56 PM
LongTail$25.00$25.003/18/2010 4:27:06 PM
credit-force5$25.00$25.003/18/2010 4:32:40 PM
skuba$50.00$50.003/18/2010 4:31:03 PM
awwaww$25.00$25.003/18/2010 4:27:03 PM
restless-currency$25.00$25.003/18/2010 4:34:37 PM
blissful-note7$25.00$25.003/18/2010 4:28:17 PM
unforgettable-order9$100.00$100.003/18/2010 4:35:25 PM
important-ore$100.00$100.003/18/2010 4:34:56 PM
BankofBen$25.00$25.003/18/2010 4:36:07 PM
Microfinancer$25.00$25.003/18/2010 4:30:53 PM
courteous-fund9$25.00$25.003/18/2010 4:37:22 PM
AFairDeal$25.00$25.003/18/2010 4:33:56 PM
Fuzkaska__F_u_n_d_s$25.00$25.003/18/2010 4:39:16 PM
fcukciti$50.00$50.003/18/2010 4:39:26 PM
mlopez2007$25.00$25.003/18/2010 4:43:49 PM
loan-warrior$25.00$25.003/18/2010 4:36:04 PM
MoNeYMaN5$25.00$25.003/18/2010 4:53:50 PM
lloyd_s$25.00$25.003/18/2010 4:44:52 PM
kchen486$25.00$25.003/18/2010 4:39:47 PM
sisley626$25.00$25.003/18/2010 4:55:44 PM
contract-lotus$25.00$25.003/18/2010 4:40:41 PM
market-assembler$50.00$50.003/18/2010 4:55:32 PM
bowdish1$42.22$42.223/18/2010 4:42:01 PM
clean-loyalty$25.00$25.003/18/2010 4:55:52 PM
KandKLegacyInvestments$25.00$25.003/18/2010 4:43:07 PM
fiddlerzvi$25.00$25.003/18/2010 5:02:43 PM
WaitForIt$25.00$25.003/18/2010 5:32:17 PM
nhm$50.00$50.003/18/2010 4:43:39 PM
adevadeh$25.00$25.003/18/2010 5:03:02 PM
tylerfd$25.00$25.003/18/2010 5:32:21 PM
northphoto$25.00$25.003/18/2010 5:47:13 PM
gmacpurifier$25.00$25.003/18/2010 6:12:54 PM
leodaguy$25.00$25.003/18/2010 6:13:17 PM
transparency-giant$46.03$46.033/18/2010 4:54:13 PM
dollar-birdie$50.00$50.003/18/2010 6:13:35 PM
webfeet$25.00$25.003/18/2010 6:12:38 PM
Dweeberkitty1$25.00$25.003/18/2010 4:55:33 PM
baseballfan111$25.00$25.003/18/2010 6:13:11 PM
buraky$25.00$25.003/18/2010 6:13:18 PM
iolaire$25.00$25.003/18/2010 6:13:25 PM
aasx1108$25.00$25.003/18/2010 6:38:00 PM
phillipd48$25.00$25.003/18/2010 5:02:55 PM
KWarrior$25.00$25.003/18/2010 6:23:11 PM
cesta283$25.00$25.003/18/2010 5:18:19 PM
inqbus$25.00$25.003/18/2010 7:22:15 PM
edgeofpdx$25.00$25.003/18/2010 5:37:20 PM
kanakakm$50.00$50.003/18/2010 6:03:08 PM
nunnie$25.00$25.003/18/2010 6:12:30 PM
Ivan2007$25.00$25.003/18/2010 6:13:22 PM
zigzagz03$25.00$25.003/18/2010 8:17:16 PM
kmprospeo$25.00$25.003/18/2010 8:52:31 PM
santafe1$25.00$25.003/18/2010 11:17:40 PM
intelligent-yield$25.00$25.003/18/2010 11:17:47 PM
community-saver158$25.00$25.003/18/2010 11:22:57 PM
ATOHokie$25.00$25.003/18/2010 11:22:59 PM
pragmatic-camaraderi$25.00$25.003/18/2010 11:32:20 PM
jasonj72$25.00$25.003/18/2010 8:57:17 PM
SpotLending$25.00$25.003/18/2010 9:52:18 PM
betak$40.15$40.153/19/2010 5:57:16 AM
steady-funds3$25.00$25.003/19/2010 6:17:49 AM
likeable-value$25.00$25.003/18/2010 11:23:01 PM
woodenshoes$25.00$25.003/18/2010 11:23:04 PM
payogie$25.00$25.003/19/2010 6:28:17 AM
DeltaComputerGuy$25.00$25.003/19/2010 12:47:17 AM
grampy48$25.00$25.003/19/2010 6:53:34 AM
crazybill$25.00$25.003/19/2010 9:32:39 AM
a-social-nebula$25.00$25.003/19/2010 8:13:31 AM
WindyKid$25.00$25.003/19/2010 9:33:34 AM
responsibility-euphoria0$25.00$25.003/19/2010 9:33:41 AM
hawaiiangirl76$25.00$25.003/19/2010 9:33:55 AM
GetItRight$25.00$25.003/19/2010 9:34:22 AM
transparency-halo$25.00$25.003/19/2010 9:33:59 AM
goldeneye777$30.06$30.063/19/2010 10:02:17 AM
jjb3$25.00$25.003/19/2010 9:35:28 AM
p2ploan-leaper$37.58$37.583/19/2010 10:23:04 AM
vegibenz$25.00$25.003/19/2010 10:32:35 AM
sharkm$25.00$25.003/19/2010 10:49:25 AM
Cheburashka$30.00$30.003/19/2010 11:15:09 AM
michaelndn$25.00$25.003/19/2010 11:23:03 AM
163 bids
 
Borrower Payment Dependent Notes Series 451031
This series of Notes was issued and sold upon the funding of the borrower loan #41468, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.57% Starting monthly payment: $56.56
Final lender yield: 13.19% Final borrower rate/APR: 14.19% / 16.60% Final monthly payment: $51.40
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.79%  
Lender servicing fee: 1.00% Estimated return: 6.40%  
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: 25%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 14Length of status:3y 9m
Credit score: 680-699 (Mar-2010) Total credit lines: 46 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $18,933Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bright-payment2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
This loan will be used to pay off some credit card debt. I worked and paid my way through my undergraduate degree (BA in psychology) at Clark University in Worcester, MA without accruing credit card debt, but during my Master of Social Work degree at the University of Southern California (USC), I was unable to work many hours because I attended school full time and was placed at internships in order to complete my degree. I had to use credit cards to survive during that time, as my family was unable to help with any financial support.

I began work immediately after graduation 4 years ago, and I have been employed full time with the same agency ever since. I intend to continue working full time, have good job security, will be getting a 3-5% raise soon, and am in the process of attempting to acquire some private practice therapy clients to supplement my income.

I am a good candidate for this loan because I have never paid a single bill late in my life. I am highly motivated to pay off my debt as quickly as I can because I am planning to get married next year and start a family not too long after that.? I am dedicated to helping others and being a responsible citizen. I am currently employed as a school therapist at a continuation school in South Central Los Angeles where I work with low-income teens. In addition to this, I am a volunteer tutor for an 8 year old homeless girl and I also volunteer with the American Red Cross in disaster mental health.

Monthly net income: $4550

Monthly expenses:?
??Housing: $700 (shared apartment)
??Car expenses: $340 (loan and insurance)
??Utilities (including internet): $50 (split w/ roommate)
??Food, entertainment: $200 - $400
??Clothing, household expenses $50 - $200
??Credit cards and student loans: $820
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 be able to provide details on your revolving credit balance (amount, rate, pmt). Thank you. - catalystcf
A: I paid some balances since prosper checked credit, so the total will be diff than listed. (Bank of America Card: Balance $260 and Capital One Card: Balance $369), (AAA Card -BOA: Balance $5936, APR 7.9, Min Payment $95), (Barclay Card: Balance $2124, APR 14.74, Pymnt $45), (Chase Card: Bal $4360, 4.99 APR for life of balance) (2 citi cards (bal 850, 13.24 APR, payment $20 ) (bal 2950, 0 APR till July then 16%, Payment $44) ) (Mar-22-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
beachfunder$25.00$25.003/20/2010 10:18:00 AM
woodslip$25.00$25.003/21/2010 1:25:03 PM
Leshan$25.00$25.003/25/2010 6:50:33 AM
PropertyInvest$25.00$25.003/25/2010 10:52:21 AM
knowonder$25.00$25.003/25/2010 5:54:35 PM
nashibaksi$25.00$25.003/25/2010 5:11:55 PM
Nasdaq$25.00$25.003/25/2010 8:07:33 PM
JaceSpade$25.00$25.003/25/2010 9:32:20 PM
BuzzyBee336$25.00$25.003/25/2010 9:31:12 PM
zooom7$50.00$50.003/26/2010 8:59:30 AM
barflyer$25.00$25.003/26/2010 11:10:43 AM
alpinaut$25.00$25.003/26/2010 12:45:28 PM
durability-high-five$25.00$25.003/26/2010 11:32:24 AM
Skiph$25.00$25.003/26/2010 2:12:13 PM
GoGators01$25.00$25.003/26/2010 1:28:17 PM
SlickNick$25.00$25.003/26/2010 1:45:53 PM
friendinmoney$25.00$25.003/26/2010 3:45:10 PM
qkinger$50.00$26.973/26/2010 12:49:24 PM
SkinnyFish$50.00$50.003/26/2010 2:06:53 PM
khamlagirl$25.00$25.003/26/2010 3:02:26 PM
mustang9935$35.00$35.003/26/2010 1:09:58 PM
bdr0011$25.00$25.003/26/2010 3:47:30 PM
kinetic-social$25.00$25.003/26/2010 3:49:53 PM
qcksilvr20$50.00$50.003/21/2010 6:47:25 PM
catalystcf$25.00$25.003/23/2010 6:34:04 AM
maricel10$50.00$50.003/23/2010 10:48:28 AM
mattblizz$50.00$50.003/24/2010 6:47:55 PM
nurat$29.62$29.623/26/2010 6:39:20 AM
wild-orange$50.00$50.003/26/2010 1:19:18 AM
twerns$40.00$40.003/26/2010 7:36:47 AM
Leopoldine$25.00$25.003/26/2010 9:48:52 AM
tagkat$36.13$36.133/26/2010 10:29:10 AM
fantastic-cash$50.00$50.003/26/2010 11:08:05 AM
top-tranquil-justice$25.00$25.003/26/2010 1:30:01 PM
martinatime$25.00$25.003/26/2010 1:38:09 PM
Astyanax$40.00$40.003/26/2010 1:39:34 PM
hillerod$25.00$25.003/26/2010 11:35:29 AM
makosdJR02$35.00$35.003/26/2010 1:42:01 PM
CashBank$25.00$25.003/26/2010 1:10:07 PM
rockhound84$25.00$25.003/26/2010 1:23:18 PM
noodles932$50.00$50.003/26/2010 3:12:13 PM
KapitalX$27.00$27.003/26/2010 3:21:29 PM
dano1965$25.00$25.003/26/2010 2:00:00 PM
ddog0224$50.00$50.003/26/2010 2:50:38 PM
glazeddonuts$30.28$30.283/26/2010 1:17:02 PM
Flreap$50.00$50.003/26/2010 1:31:18 PM
wwwUniversal$25.00$25.003/26/2010 3:24:00 PM
47 bids
 
Borrower Payment Dependent Notes Series 451033
This series of Notes was issued and sold upon the funding of the borrower loan #41593, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 27.38% Starting borrower rate/APR: 28.38% / 30.73% Starting monthly payment: $278.51
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $274.43
 
Auction yield range: 11.04% - 27.38% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
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-1978 Debt/Income ratio: 13%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:31y 8m
Credit score: 720-739 (Mar-2010) Total credit lines: 32 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $8,513Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bazaar-inspector Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
680-699 (Sep-2008)
 
Principal balance: $2,220.96 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Pay off first Prosper loan plus....
Purpose of loan:
This loan will be used to pay off my first prosper loan and to help?with some family issues?that have come up recently. I need to assist my parents with some bills and other issues with elder care. I also need to help my daughter who is in graduate school.?

My financial situation:
I am a good candidate for this loan because , I have been with the same major company for over 20 years. I had a bankruptcy in 2001 due to a divorce but have since paid everything on time or EARLY since. I have three daughters, two of which have graduated college and are going back to finish their masters, my youngest is a junior in college. I take full responsibility for my bankruptcy in 2001 and I take full pride in knowing that I am credit worthy and dependable!? Thanks for your help! ?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
flexiboy35$25.00$25.003/18/2010 4:22:27 PM
Cai8899$30.00$30.003/18/2010 4:29:43 PM
hope-equation$50.00$50.003/18/2010 4:29:48 PM
sympathetic-asset$25.00$25.003/18/2010 4:30:40 PM
rhin0cerx$50.00$50.003/18/2010 4:31:22 PM
happy-return4$25.00$25.003/18/2010 4:22:20 PM
honorable-yield$35.00$35.003/18/2010 4:30:23 PM
chicagoman$25.00$25.003/18/2010 4:30:36 PM
greenwell$25.00$25.003/18/2010 4:31:32 PM
listing-trapper3$50.00$50.003/18/2010 4:31:41 PM
Rattlehead$25.00$25.003/18/2010 4:31:52 PM
ekmendenhall$35.00$35.003/18/2010 4:26:19 PM
heatherwood$50.00$50.003/18/2010 4:34:53 PM
magnolia161$25.00$25.003/18/2010 4:33:38 PM
JGB$25.00$25.003/18/2010 4:28:36 PM
martinnc$25.00$25.003/18/2010 4:35:06 PM
asiaratt$100.00$100.003/18/2010 4:35:16 PM
secobarbital$25.00$25.003/18/2010 4:29:40 PM
orange-courageous-dedication$30.00$30.003/18/2010 4:30:00 PM
Zolton$200.00$200.003/18/2010 4:30:05 PM
bountiful-bazaar$25.00$25.003/18/2010 4:35:12 PM
nrowland$25.00$25.003/18/2010 4:31:18 PM
skuba$25.00$25.003/18/2010 4:31:34 PM
deegeeman$50.00$50.003/18/2010 4:31:38 PM
natural-greenback6$25.00$24.123/18/2010 4:38:19 PM
cashonhand$25.00$25.003/18/2010 4:33:36 PM
Speculator$100.00$100.003/18/2010 4:34:00 PM
inspiring-reward$150.00$150.003/18/2010 4:34:46 PM
red_spade$26.00$26.003/18/2010 4:35:46 PM
shawnw2$50.00$50.003/18/2010 4:40:53 PM
JustMee$25.00$25.003/18/2010 4:59:21 PM
Bob450$25.00$25.003/18/2010 7:53:32 PM
new-peso-concerto$25.00$25.003/19/2010 6:46:36 AM
jpblan11$25.00$25.003/19/2010 8:06:56 PM
spiff666$25.00$25.003/20/2010 8:40:19 AM
golffish2$100.00$100.003/22/2010 7:54:21 AM
charming-point$300.00$300.003/22/2010 9:44:42 AM
CA_Lender$25.00$25.003/22/2010 5:16:27 PM
enchanted-note$50.00$50.003/22/2010 7:38:20 PM
glroark$100.00$100.003/23/2010 8:08:46 AM
113121$25.00$25.003/23/2010 10:10:23 AM
brightest-dignified-penny$25.00$25.003/23/2010 10:44:19 AM
benefit-javelin$25.00$25.003/23/2010 9:58:16 AM
wodude$25.00$25.003/23/2010 9:00:26 PM
Bob450$50.00$50.003/23/2010 9:01:46 PM
usedtoborrow$25.00$25.003/24/2010 7:03:42 AM
twjh$25.00$25.003/24/2010 7:57:56 AM
scoobiedoo$25.00$25.003/24/2010 10:40:06 AM
revenue-channel8$100.00$100.003/24/2010 9:54:33 AM
b-rent$25.00$25.003/24/2010 11:08:01 AM
FinanceEngine$25.00$25.003/24/2010 11:01:23 AM
thomas16882004$25.00$25.003/24/2010 12:38:27 PM
Your_Bank$25.00$25.003/24/2010 2:34:02 PM
cerbear9$25.00$25.003/24/2010 5:44:47 PM
justme4now$25.00$25.003/24/2010 4:18:27 PM
principal-star$25.00$25.003/24/2010 7:17:55 PM
DasMula$25.00$25.003/24/2010 8:17:30 PM
exchange-cowbell5$100.00$100.003/24/2010 6:13:36 PM
Feyenoord$44.68$44.683/24/2010 7:28:12 PM
Leshan$50.00$50.003/25/2010 6:44:02 AM
asset-fanatic$25.00$25.003/25/2010 8:03:35 AM
clipper271$25.00$25.003/25/2010 8:32:53 AM
wonder3$25.00$25.003/25/2010 6:37:34 AM
umfan123$25.00$25.003/25/2010 7:27:20 AM
chameleon125$50.00$50.003/25/2010 7:40:58 AM
fireman4$25.00$25.003/25/2010 10:07:00 AM
Kash2010lu$35.00$35.003/25/2010 11:45:50 AM
credit-missile$100.00$100.003/25/2010 10:34:24 AM
UCLA4life$25.00$25.003/25/2010 12:52:58 PM
credit-missile$50.00$50.003/25/2010 12:58:39 PM
PropertyInvest$25.00$25.003/25/2010 10:51:31 AM
unger$100.00$100.003/25/2010 1:55:40 PM
principal-laser$69.48$69.483/25/2010 12:00:22 PM
FarmersBank$25.00$25.003/25/2010 1:50:43 PM
Isaac007$75.00$75.003/25/2010 2:21:24 PM
brightest-dignified-penny$25.00$25.003/25/2010 3:56:44 PM
Bill88$25.00$25.003/25/2010 4:04:23 PM
ultimate-peace$100.00$100.003/25/2010 4:10:11 PM
systematic-loan$25.00$25.003/25/2010 4:05:14 PM
PXM-Financial$40.00$40.003/25/2010 4:06:01 PM
patriot384$70.00$70.003/25/2010 4:16:17 PM
fireferd$45.75$45.753/25/2010 4:17:47 PM
Kaj$25.00$25.003/18/2010 4:24:16 PM
desertoasis$50.00$50.003/18/2010 4:21:39 PM
Purposeful$25.00$25.003/18/2010 4:25:45 PM
social-conductor4$25.00$25.003/18/2010 4:23:50 PM
ukstevenhawaii$50.00$50.003/18/2010 4:30:44 PM
nletunic$25.00$25.003/18/2010 4:29:34 PM
personal-lender$25.00$25.003/18/2010 4:29:56 PM
red-favorable-basis$25.00$25.003/18/2010 4:31:47 PM
neutrino6$25.00$25.003/18/2010 4:22:37 PM
elevated-platinum5$25.00$25.003/18/2010 4:30:10 PM
CarDealer3070$30.00$30.003/18/2010 4:30:33 PM
Shepherd7$25.00$25.003/18/2010 4:33:50 PM
joee$25.00$25.003/18/2010 4:34:18 PM
successful-euro$40.00$40.003/18/2010 4:29:03 PM
oldmora$50.00$50.003/18/2010 4:29:09 PM
Streetfighter$25.00$25.003/18/2010 4:35:21 PM
unforgettable-order9$25.00$25.003/18/2010 4:35:31 PM
rooosta$25.00$25.003/18/2010 4:35:02 PM
SBT$50.00$50.003/18/2010 4:31:14 PM
integrity-doctor$50.00$50.003/18/2010 4:35:40 PM
AF-Chief$28.00$28.003/18/2010 4:36:41 PM
asset-professor$35.00$35.003/18/2010 4:31:26 PM
brother_tam$50.00$50.003/18/2010 4:36:56 PM
Phantom99$25.00$25.003/18/2010 4:38:10 PM
mercuriant$25.00$25.003/18/2010 4:41:02 PM
kmfreymi$25.00$25.003/18/2010 4:35:36 PM
HedgeFund$25.00$25.003/18/2010 4:36:19 PM
greatwhiteninja$25.00$25.003/18/2010 4:36:52 PM
irrelevant$25.00$25.003/18/2010 4:43:24 PM
careful-compassion$25.00$25.003/19/2010 9:09:08 AM
cashhelp$25.00$25.003/19/2010 9:43:16 AM
Peterman$25.00$25.003/19/2010 11:22:06 AM
econgineer$45.21$45.213/19/2010 12:48:54 PM
ptjg$50.00$50.003/19/2010 3:47:23 PM
loan-fate$25.00$25.003/22/2010 11:09:28 AM
TheSweetLender$30.00$30.003/22/2010 5:43:54 PM
goldenhamster$100.00$100.003/22/2010 7:46:40 PM
Milonguero$100.00$100.003/22/2010 9:25:17 PM
blackberry9$25.00$25.003/23/2010 4:43:26 PM
five-star-note$75.00$75.003/24/2010 10:48:32 AM
realtormoises$25.00$25.003/24/2010 11:09:05 AM
thrilling-nickel5$25.00$25.003/24/2010 11:27:31 AM
monstersdad$36.66$36.663/24/2010 4:44:58 PM
StargazerLending$25.00$25.003/24/2010 6:01:30 PM
deepblue34$30.00$30.003/24/2010 6:22:05 PM
brother_tam$50.00$50.003/24/2010 6:41:22 PM
dano1965$25.00$25.003/24/2010 6:04:44 PM
genuine-dime$100.00$100.003/24/2010 9:09:13 PM
YoungTaxMan$100.00$100.003/24/2010 7:54:39 PM
payout-comet$25.00$25.003/25/2010 12:32:28 AM
credit-missile$100.00$100.003/24/2010 11:52:43 PM
golffish2$100.00$100.003/25/2010 7:57:16 AM
Whipster$25.00$25.003/25/2010 5:18:22 AM
SlickNick$25.00$25.003/25/2010 8:12:24 AM
Ratgirl$25.00$25.003/25/2010 6:56:53 AM
PotBellyPete$25.00$25.003/25/2010 9:55:41 AM
Rip128$100.00$100.003/25/2010 11:51:35 AM
taco798$25.00$25.003/25/2010 12:38:12 PM
credit-coach118$25.00$25.003/25/2010 1:05:16 PM
Hatdance$25.00$25.003/25/2010 10:51:25 AM
NekHoldings$25.00$25.003/25/2010 1:34:13 PM
chipjet$25.00$25.003/25/2010 11:12:41 AM
patriot384$60.00$60.003/25/2010 12:10:35 PM
JohnQGalt$50.00$50.003/25/2010 3:01:01 PM
YoungTaxMan$250.00$250.003/25/2010 3:12:00 PM
grnii78$80.10$80.103/25/2010 12:41:40 PM
Ray3486$25.00$25.003/25/2010 3:43:42 PM
wwwUniversal$25.00$25.003/25/2010 3:53:05 PM
150 bids
 
Borrower Payment Dependent Notes Series 451051
This series of Notes was issued and sold upon the funding of the borrower loan #41572, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,177.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $160.16
Final lender yield: 6.10% Final borrower rate/APR: 7.10% / 7.44% Final monthly payment: $160.09
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
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: Dec-1994 Debt/Income ratio: 23%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 11Length of status:2y 10m
Credit score: 740-759 (Mar-2010) Total credit lines: 50 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $20,505Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: JKPMCo Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,453.00< mo. late: 0 ( 0% )  
740-759 (Feb-2010)
760-779 (Apr-2008)
 
Principal balance: $1,005.72 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Pay off high interest credit card
Purpose of loan:
This loan will be used to pay off?my last high interest credit card issued from a large unfriendly?bank. :)

My financial situation:
I?am an excellent candidate for this loan because I'm very a stable individual.? I have a previous loan with Prosper and am also a lender.? I've never paid late on a loan or credit card and?have been a homeowner for the last 15 years.? I have my MBA and have worked?in the?technology field?for over 10 years, currently employed as an?Application Design Manager at a major university.? I'm also a full time single father of a 14 year old daughter so I'm basically required to live an extremely stable and dependable lifestyle. There are no recent lifestyle or income changes and I have considerable retirement savings to cushion for hard times if necessary. Thank you.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
fiddlerzvi$25.00$25.003/19/2010 3:52:18 PM
KandKLegacyInvestments$25.00$25.003/19/2010 3:54:58 PM
fightinjoe$25.00$25.003/19/2010 3:58:46 PM
delicious-social132$40.00$40.003/19/2010 3:59:08 PM
bonus-adventure3$25.00$25.003/19/2010 3:59:56 PM
lendersf$95.00$95.003/19/2010 4:00:02 PM
skuba$50.00$50.003/19/2010 3:58:41 PM
lender987654321$25.00$25.003/19/2010 4:01:02 PM
unforgettable-order9$100.00$100.003/19/2010 4:01:20 PM
TakeCare$50.00$50.003/19/2010 4:01:31 PM
contract-lotus$25.00$25.003/19/2010 4:02:31 PM
loan-warrior$25.00$25.003/19/2010 4:01:41 PM
nhm$50.00$50.003/19/2010 4:02:46 PM
Rivervale_Westwood$25.00$25.003/19/2010 4:03:39 PM
grampy48$25.00$25.003/19/2010 4:03:45 PM
don8ter$60.00$60.003/19/2010 4:03:57 PM
goodguy2000$25.00$25.003/19/2010 4:05:21 PM
blot44$25.00$25.003/19/2010 6:28:49 PM
Microfinancer$25.00$25.003/19/2010 9:07:24 PM
OldFriend$25.00$25.003/19/2010 9:57:55 PM
radforj22$25.00$25.003/20/2010 3:22:16 AM
bchen78875$47.00$47.003/20/2010 9:02:13 AM
rescue$500.00$500.003/21/2010 7:47:48 AM
aldenrains$25.00$25.003/21/2010 12:43:08 PM
authentic-diversification$25.00$25.003/21/2010 11:39:26 AM
aasx1108$25.00$25.003/21/2010 2:52:37 PM
LoisLoan$25.00$25.003/21/2010 3:33:29 PM
zenchef$25.00$25.003/22/2010 8:07:19 AM
teller$33.14$33.143/22/2010 8:22:27 AM
hopethisworks$45.00$45.003/22/2010 8:44:30 AM
BankofBen$25.00$25.003/22/2010 5:44:08 AM
xphile$25.00$25.003/22/2010 6:07:36 AM
gain-seagull9$25.00$25.003/22/2010 6:27:54 AM
bds9646$26.00$26.003/22/2010 9:36:33 AM
scottssm$28.00$28.003/22/2010 9:33:50 AM
unassuming-note$25.00$25.003/22/2010 9:33:08 AM
Vennela$40.00$40.003/22/2010 9:33:12 AM
payogie$25.00$25.003/22/2010 9:34:42 AM
Ciphernetic$25.00$25.003/22/2010 10:23:46 AM
kanakakm$25.00$25.003/22/2010 10:22:46 AM
iolaire$25.00$25.003/22/2010 10:22:55 AM
honorable-yield$34.90$34.903/22/2010 10:23:18 AM
pawnshopman$25.00$25.003/22/2010 10:23:53 AM
FlexFunding$100.00$100.003/22/2010 10:49:01 AM
NR$25.00$25.003/22/2010 10:49:24 AM
GElender$48.36$48.363/22/2010 11:14:14 AM
credit-magician$25.00$25.003/22/2010 10:58:11 AM
proteinart$25.00$25.003/22/2010 11:23:43 AM
fishtale$25.00$25.003/22/2010 11:15:36 AM
PCash$25.00$25.003/22/2010 11:59:11 AM
finman17$25.00$25.003/22/2010 11:54:07 AM
WealthBuildingLessons$25.00$25.003/22/2010 12:42:19 PM
trident9$25.00$25.003/22/2010 12:48:09 PM
Dr_Starchildren$25.00$25.003/22/2010 12:58:11 PM
springpanda$25.00$25.003/22/2010 1:54:57 PM
uvawfs$100.00$100.003/22/2010 2:27:32 PM
elasermd$27.07$27.073/22/2010 3:22:46 PM
shrewd-deal$25.00$25.003/22/2010 5:40:09 PM
Attract$25.00$25.003/23/2010 12:52:31 AM
TrixieD$25.00$25.003/22/2010 9:38:24 PM
tender-gold$25.00$25.003/22/2010 10:22:14 PM
gnuey$50.00$50.003/22/2010 10:47:18 PM
evergreen4$25.00$25.003/23/2010 6:58:27 AM
winlender$25.00$25.003/23/2010 8:52:18 AM
Supernick$50.00$1.413/23/2010 10:59:12 AM
SchaeferJ$25.00$25.003/24/2010 11:49:36 AM
Dollars4Rent$25.00$25.003/24/2010 5:50:45 PM
Dollars4Rent$25.00$25.003/24/2010 5:50:29 PM
kenji4861$25.00$25.003/19/2010 3:53:16 PM
inspired-contract9$50.00$50.003/19/2010 3:56:59 PM
bigballer105$50.00$50.003/19/2010 4:00:29 PM
successful-euro$75.00$75.003/19/2010 4:00:40 PM
flexible-value$31.00$31.003/19/2010 3:59:12 PM
credit-force5$25.00$25.003/19/2010 3:59:35 PM
AFairDeal$25.00$25.003/19/2010 4:00:34 PM
restless-currency$25.00$25.003/19/2010 4:00:57 PM
MarinLoans$25.00$25.003/19/2010 4:01:50 PM
jwood3030$35.00$35.003/19/2010 4:01:26 PM
kchen486$25.00$25.003/19/2010 4:02:19 PM
fcukciti$50.00$50.003/19/2010 4:02:15 PM
skvat$25.00$25.003/19/2010 4:03:13 PM
transparency-halo$25.00$25.003/19/2010 4:04:11 PM
payment-gusto$25.00$25.003/19/2010 4:05:11 PM
responsibility-euphoria0$25.00$25.003/19/2010 4:04:06 PM
micko$25.00$25.003/19/2010 4:15:30 PM
rosie777$25.00$25.003/19/2010 7:07:52 PM
asset-professor$100.00$100.003/19/2010 9:07:25 PM
antlr$25.00$25.003/20/2010 11:02:25 AM
rulender$35.36$35.363/20/2010 11:32:43 AM
auction-elvis$25.00$25.003/20/2010 11:07:17 AM
litespeedpf$25.00$25.003/20/2010 12:57:19 PM
IndianChief$25.00$25.003/20/2010 6:27:12 PM
RandyL3$33.00$33.003/21/2010 6:37:25 AM
anton$53.30$53.303/20/2010 9:02:23 PM
Aberdeen$350.00$350.003/22/2010 8:15:21 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:18 AM
meers2000$30.00$30.003/22/2010 9:32:28 AM
stable-money$25.00$25.003/22/2010 9:34:12 AM
versatile-platinum4$25.00$25.003/22/2010 9:33:38 AM
Railbird$25.00$25.003/22/2010 9:35:57 AM
trade-cello$25.00$25.003/22/2010 9:34:22 AM
lloyd_s$25.00$25.003/22/2010 9:47:19 AM
spenrod$50.00$50.003/22/2010 10:02:34 AM
lend_to_you$25.00$25.003/22/2010 11:08:38 AM
buckyhead2000$25.00$25.003/22/2010 11:14:06 AM
ciccio70$25.00$25.003/22/2010 10:58:23 AM
brewman$25.00$25.003/22/2010 11:28:59 AM
vacation-funding$25.00$25.003/22/2010 11:32:19 AM
wise-cash-keeper$50.00$50.003/22/2010 11:49:00 AM
KlotzLending$25.00$25.003/22/2010 11:53:56 AM
painter85$50.00$50.003/22/2010 12:08:38 PM
wampum-optimization$50.00$50.003/22/2010 12:42:26 PM
jeffpac$25.68$25.683/22/2010 2:37:33 PM
TexasLender2007$25.00$25.003/22/2010 3:22:15 PM
market-honker$87.78$87.783/22/2010 3:22:43 PM
Sam65$25.00$25.003/22/2010 5:29:12 PM
Steveoo1$25.00$25.003/22/2010 6:37:15 PM
Kelor99$25.00$25.003/22/2010 6:46:27 PM
Dreamconnection$25.00$25.003/22/2010 5:52:12 PM
mikeandcat$50.00$50.003/22/2010 10:27:36 PM
GAOGERAM_BANK$25.00$25.003/22/2010 8:58:55 PM
dbanwart$25.00$25.003/23/2010 4:26:09 AM
afotherg$25.00$25.003/23/2010 7:07:21 AM
chief219$25.00$25.003/23/2010 9:58:41 AM
worlds-best-auction$25.00$25.003/23/2010 9:33:29 AM
djs81$25.00$25.003/23/2010 10:43:10 AM
webfeet$25.00$25.003/23/2010 12:23:16 PM
bank-examiner$25.00$25.003/24/2010 5:53:55 AM
REITRUST$25.00$25.003/24/2010 10:14:04 AM
jn_tiger$25.00$25.003/24/2010 11:59:49 AM
gmv814$40.00$40.003/24/2010 2:36:38 PM
heerzaquestion$30.00$30.003/24/2010 5:54:02 PM
UCSBGAUCHOS$25.00$25.003/25/2010 2:47:33 AM
daveseansworld$50.00$50.003/25/2010 5:08:45 AM
134 bids
 
Borrower Payment Dependent Notes Series 451057
This series of Notes was issued and sold upon the funding of the borrower loan #41487, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 31.67% Final borrower rate/APR: 32.67% / 35.09% Final monthly payment: $87.85
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 19.86%  
Lender servicing fee: 1.00% Estimated return: 11.81%  
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-1983 Debt/Income ratio: 27%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 12Length of status:26y 6m
Credit score: 680-699 (Mar-2010) Total credit lines: 43 Occupation: Analyst
Now delinquent: 1 Revolving credit balance: $8,702Stated income:$75,000-$99,999
Amount delinquent: $256 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: granny28 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
620-639 (May-2008)
 
Principal balance: $1,408.90 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Moving expenses for my family
Purpose of loan:
Moving expenses to help my daughter?and grandsons move closer to me and to a better community.

My financial situation:
Financially I've been helping several?family members stay in their homes for the past several months.?Thankfully I was in a position to be able to help.? Everyone is back to work and?getting back on their feet.?Thank you, Lord!???However, I've used all my savings and I?need to get my daughter and grandsons moved into a?new place, closer to me.? I'm seeking this $2,000 loan to?help her with the security?deposit, first and last month's rent.??I just need a little extra money right away.


Monthly net income: $ 4,175.00

Monthly expenses: $
??Housing: $ 995.00
??Insurance: $ 125.00
??Car expenses: $ 250.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $150.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 1320????
??Other expenses: $ 150.00





Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: On its own merit you loan request deserve interest. You ought to consider adding a photographs to attract all the visual personalities. - jpblan11
A: I have thought about adding a photo, but I worry about putting my grandchildren out on the internet. (Mar-23-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
micko$25.00$25.003/25/2010 11:29:31 AM
jhouman$25.00$25.003/25/2010 4:39:54 PM
epic-payout$35.28$35.283/26/2010 7:25:49 AM
DasMula$25.00$25.003/25/2010 10:51:36 PM
DasMula$25.00$25.003/25/2010 10:52:05 PM
Mikale360$25.00$25.003/26/2010 6:38:01 AM
Kash2010lu$35.00$35.003/26/2010 8:40:01 AM
twjh$25.00$25.003/26/2010 9:36:37 AM
realtormoises$25.00$25.003/26/2010 9:37:39 AM
historic-nickel$50.00$50.003/26/2010 7:31:38 AM
Leshan$100.00$100.003/26/2010 8:36:13 AM
golden-currency$28.15$28.153/26/2010 8:52:17 AM
investment-visionary$34.03$34.033/26/2010 10:21:29 AM
Your_Bank$25.00$25.003/26/2010 10:33:41 AM
fair-payment4$25.00$25.003/26/2010 10:43:11 AM
twjh$25.00$25.003/26/2010 12:33:50 PM
dstolars$25.00$25.003/26/2010 1:15:39 PM
Bobusa$25.00$25.003/26/2010 1:19:30 PM
ultimate-peace$600.00$600.003/26/2010 12:41:40 PM
Skeptical-one$25.00$25.003/26/2010 12:01:33 PM
YoungTaxMan$50.00$50.003/26/2010 2:43:23 PM
SlickNick$25.00$25.003/26/2010 1:46:29 PM
Gaelicman$25.00$25.003/26/2010 3:03:00 PM
reflective-rupee$25.00$25.003/26/2010 3:24:56 PM
myutmost$25.00$25.003/24/2010 8:15:32 PM
Aberdeen$350.00$350.003/25/2010 8:37:54 PM
DasMula$25.00$25.003/25/2010 10:51:50 PM
sparkling-contract7$25.00$25.003/26/2010 9:14:00 AM
dcm6276$25.00$25.003/26/2010 10:15:30 AM
jhernand17$25.00$25.003/26/2010 12:44:23 PM
wild-orange$25.00$25.003/26/2010 1:36:05 PM
lucrative-loan$44.00$44.003/26/2010 2:33:59 PM
charming-point$200.00$98.543/26/2010 3:25:31 PM
social-conductor4$25.00$25.003/26/2010 3:48:51 PM
34 bids
 
Borrower Payment Dependent Notes Series 451099
This series of Notes was issued and sold upon the funding of the borrower loan #41511, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $294.03
Final lender yield: 31.90% Final borrower rate/APR: 32.90% / 35.32% Final monthly payment: $286.36
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.47%  
Lender servicing fee: 1.00% Estimated return: 16.43%  
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-1996 Debt/Income ratio: 19%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 8Length of status:27y 10m
Credit score: 660-679 (Mar-2010) Total credit lines: 22 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $6,660Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Burningroof Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay/consolidate debt and minor misc
Purpose of loan:
This loan will be used to pay off and consolidate debt and minor miscellaneous.

My financial situation:
I am a very good candidate for this loan as I have excellent long term job security and stability with substantial income. I am an electrical engineer for a power system utility so today?s troubled economy has no impact upon my employment status. I have had a long term successful career, but have not fared so well in my personal endeavors. One spouse was truly evil without conscience and the other highly motivated in keeping up with the Jones and beyond. I have truly become much wiser and the idiot winds have now calmed much in blowing my way. I was merely very giving and sought to please with little sense in doing so. As a result, I am much poorer, but truly am now much wiser. Coupled with past incurred debt, I have had recent dental expenses (incurred prior to creating flex spending account), vehicle repairs, and travel (two deaths in family).Given time and with your help, I will be a survivor as I have very good income and retirement benefits. I will be forever grateful to those who choose to help me and will prove to be a very good investment.

Monthly Income = $5433 (pay after automatic deductions for taxes, life and health insurance, Flex Spending account for dental, and retirement)??
Total Monthly Expenses = $3280
Net Monthly?Income= $5433 - $3280 = $2153
Monthly expenses:
Housing: $ 850 rent??
Insurance: $ 135 -?vehicle and rental. Health and life insurance are automatically deducted and already?reflected in net income as is retirement.??
Car expenses: $ 425 -?car payment + routine mtce.??
Utilities: $ 160???
Phone, cable, internet: $?160??
Food, entertainment: $ 300???
Clothing, household expenses $50 - I spend little on such things so is best guess?averaged over a year.???
Credit cards and other loans: $1200????
Other expenses: $ -?minimal ? I will note here that I have good health insurance, but includes very little in dental benefits. I am now enrolled in the flex spending program for $2500/yr. which is not taxable, but must use it or lose it. I will use all of it for dental/health needs. This deduction is automatic and reflected in monthly net income shown above.?


Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bright-exchange$25.00$25.003/19/2010 9:27:00 PM
reflective-rupee$65.00$65.003/22/2010 12:42:56 PM
sturdy-peace9$75.00$75.003/23/2010 6:47:23 AM
FarmersBank$50.00$50.003/23/2010 6:55:33 AM
gold-cluster$100.00$100.003/23/2010 8:58:46 AM
new-peso-concerto$33.00$33.003/23/2010 11:12:09 AM
Frankk2$25.00$25.003/23/2010 1:37:27 PM
Peterman$25.00$25.003/23/2010 3:53:44 PM
1-HARD-HEAD$50.00$50.003/23/2010 11:49:03 PM
4mylittleindy$25.00$25.003/24/2010 8:54:26 AM
wonder3$25.00$25.003/24/2010 10:44:28 AM
reflective-rupee$100.00$100.003/24/2010 1:35:31 PM
OrdiNance$69.73$69.733/24/2010 5:26:15 PM
gold-cluster$100.00$100.003/24/2010 6:32:46 PM
vest_vortex$50.00$50.003/24/2010 6:54:19 PM
DasMula$50.00$50.003/24/2010 8:29:51 PM
fund-secret-agent$25.00$25.003/25/2010 10:37:25 AM
micko$25.00$25.003/25/2010 3:28:06 PM
revenue-channel8$100.00$100.003/25/2010 3:54:14 PM
brightest-dignified-penny$25.00$25.003/25/2010 4:01:24 PM
cerbear9$30.60$30.603/25/2010 4:44:19 PM
bonafide-commitment2$25.00$25.003/25/2010 4:29:10 PM
carrinel$75.00$75.003/25/2010 5:02:28 PM
thenewkaisersoze$25.00$25.003/25/2010 6:14:02 PM
rapid-currency$55.28$55.283/25/2010 7:16:24 PM
trevize$25.00$25.003/25/2010 7:23:20 PM
marinbb$50.00$50.003/25/2010 6:06:01 PM
funimuni$25.00$25.003/25/2010 6:29:30 PM
mcgovern2024$50.00$50.003/25/2010 8:45:25 PM
rvfbroker$25.00$25.003/26/2010 6:08:37 AM
malomar66$57.54$57.543/25/2010 9:20:13 PM
mlj0671$45.00$45.003/26/2010 7:40:01 AM
fair-payment4$25.00$25.003/26/2010 10:44:37 AM
SlickNick$25.00$25.003/26/2010 1:46:59 PM
oreyedoc$25.00$25.003/26/2010 1:04:06 PM
buffalobills$25.00$25.003/26/2010 1:06:35 PM
garnetchik$25.00$25.003/26/2010 1:08:50 PM
sknabnoj$25.00$25.003/26/2010 11:58:11 AM
HomerdohNY$25.00$25.003/26/2010 2:37:04 PM
friendinmoney$25.00$25.003/26/2010 1:14:09 PM
Hatdance$25.00$25.003/26/2010 3:46:53 PM
Calif-smo$35.00$35.003/26/2010 3:02:46 PM
unger$100.00$100.003/26/2010 1:14:11 PM
Bobusa$25.00$25.003/26/2010 1:23:31 PM
Bob450$25.00$25.003/19/2010 8:10:47 PM
Tono$30.00$30.003/20/2010 3:30:21 PM
mrxtravis$100.00$100.003/21/2010 10:05:02 AM
order-bee1$200.00$200.003/21/2010 10:43:42 PM
SolarMoonshine$25.00$25.003/22/2010 5:47:45 PM
gold-cluster$100.00$100.003/22/2010 5:56:22 PM
penny-sergeant$25.00$25.003/23/2010 8:35:05 AM
durability-keeper$25.00$25.003/23/2010 12:39:41 PM
gold-cluster$100.00$100.003/24/2010 1:22:28 PM
shark1234$50.00$50.003/24/2010 3:45:38 PM
bold-direct-asset$25.00$25.003/24/2010 4:58:38 PM
cashhelp$25.00$25.003/24/2010 5:40:19 PM
tigercat$50.00$50.003/24/2010 6:09:40 PM
loss-of-control$50.00$50.003/24/2010 6:59:26 PM
Bob450$50.00$50.003/24/2010 7:46:08 PM
DasMula$50.00$50.003/24/2010 8:30:04 PM
DasMula$50.00$50.003/24/2010 8:30:17 PM
nybanker85$100.00$100.003/24/2010 9:04:24 PM
payout-comet$25.00$25.003/25/2010 12:50:47 AM
DasMula$50.00$50.003/24/2010 8:29:38 PM
bondhedger$25.00$25.003/24/2010 8:33:03 PM
RyanM561$25.00$25.003/25/2010 8:10:52 AM
YoungTaxMan$250.00$250.003/25/2010 10:12:00 AM
taco798$25.00$25.003/25/2010 12:53:11 PM
draggon77$25.00$25.003/25/2010 4:30:15 PM
pessimist$104.62$104.623/25/2010 5:18:41 PM
Your_Bank$25.00$25.003/25/2010 5:32:16 PM
VitaminFunk$25.00$25.003/25/2010 4:35:26 PM
Your_Bank$25.00$25.003/25/2010 5:32:44 PM
nodebt2012$40.00$40.003/25/2010 6:15:45 PM
SouthernRemarketing$25.00$25.003/25/2010 8:12:30 PM
double22$54.30$54.303/26/2010 12:06:38 AM
CashFlow13$2,000.00$2,000.003/26/2010 2:12:53 AM
Snoopylover$25.00$25.003/26/2010 6:08:28 AM
Leshan$25.00$25.003/26/2010 8:37:33 AM
jybank$25.00$25.003/26/2010 10:34:39 AM
OGS_Capital$25.00$25.003/26/2010 9:08:36 AM
ultimate-peace$125.00$125.003/26/2010 10:02:49 AM
Maetryx$73.81$73.813/26/2010 10:10:35 AM
jhernand17$25.00$25.003/26/2010 12:46:26 PM
authentic-peace7$45.00$45.003/26/2010 12:29:46 PM
Lender0000$200.00$200.003/26/2010 1:25:50 PM
bjs-performance$50.00$50.003/26/2010 1:20:44 PM
Bobusa$25.00$25.003/26/2010 1:24:16 PM
carrinel$58.44$58.443/26/2010 12:18:28 PM
wowlender$25.00$25.003/26/2010 2:17:52 PM
debestof83$48.61$48.613/26/2010 3:44:49 PM
social-conductor4$25.00$4.073/26/2010 3:49:24 PM
92 bids
 
Borrower Payment Dependent Notes Series 451135
This series of Notes was issued and sold upon the funding of the borrower loan #41505, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $248.80
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $248.80
 
Auction yield range: 17.04% - 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: Feb-2000 Debt/Income ratio: 16%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 8Length of status:8y 8m
Credit score: 660-679 (Mar-2010) Total credit lines: 35 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $5,879Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 19    
Screen name: ChristianLender Borrower's state: Michigan Borrower's group: The College 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 80% ) 660-679 (Latest)
Principal borrowed: $2,995.00< mo. late: 4 ( 20% )  
660-679 (Jun-2008)
520-539 (Jan-2008)
540-559 (Aug-2007)
 
Principal balance: $814.73 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
++Auto Loan 2nd Prosper Loan +++
Purpose of loan:
This loan will be used to pay for our new 2004 Honda Pilot that we just bought. My wife and I had to put about
$3000 of the cost of the vehicle onto our credit cards since you can't finance a vehicle that has over 100K miles on it.
We actually put $7500 cash down for the vehicle. But, would rather have a loan payment through prosper than have it
on our credit card. We will also use ~$1500 of this loan to pay off our current prosper loans.? Which I have paid 100% on time
for over 2 years now!

My financial situation:
I have been working at a university for over 8 years now, so I have a very secure job in a very unsecure economy.
We will be turning in our lease car in a month which was a monthly payment of $289 that we will no longer have to pay.
I pay all the bills on-time and this will be our second prosper loan and absolutely love Prosper and would rather pay you lenders
than give that money to greedy banks.

Monthly net income: $ 3000 (Household)

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 145
??Car expenses: $30
??Utilities: $250
??Phone, cable, internet: $30
??Food, entertainment: $ 60
??Clothing, household expenses $20
??Credit cards and other loans: $100
??Other expenses: $ 30
Total: $1435

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: Can you please elaborate on the numerous delinquencies on your report? Thanks in advance - heerzaquestion
A: Those where probably from like 6 years ago before I was married. Back then I was in college and didn't make paying bills a priority. I now have a very secure well paying job and make my payments on time and even have a budget. I love prosper and will pay this loan on time and in full! Thanks for the question (Mar-20-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
indomitable-dedication$25.00$25.003/19/2010 3:55:25 PM
kind-efficient-credit$25.00$25.003/19/2010 3:55:38 PM
djc314$25.00$25.003/19/2010 3:55:43 PM
lucrative-transparency0$25.00$25.003/19/2010 3:56:14 PM
martinnc$25.00$25.003/19/2010 3:57:31 PM
nybanker85$100.00$100.003/19/2010 3:56:19 PM
beyondmanagement$25.00$25.003/19/2010 3:56:28 PM
nanda$25.00$25.003/19/2010 3:56:32 PM
RMB-Investments$25.00$25.003/19/2010 3:56:39 PM
forthright-dedication$25.00$25.003/19/2010 3:55:29 PM
LuvToLend$25.00$25.003/19/2010 3:55:47 PM
autonomous-truth$40.00$40.003/19/2010 3:56:01 PM
Caerus$25.00$25.003/19/2010 3:57:25 PM
BankofBen$25.00$25.003/19/2010 3:57:44 PM
anton$150.00$150.003/19/2010 4:15:24 PM
Bob450$25.00$25.003/19/2010 8:04:44 PM
nivletJP$25.00$25.003/19/2010 11:57:21 PM
time4aloan$25.00$25.003/20/2010 8:58:06 AM
DasMula$100.00$100.003/20/2010 10:36:13 AM
shrewd-peace7$25.00$25.003/20/2010 2:13:16 PM
heerzaquestion$25.00$25.003/20/2010 4:45:12 PM
hyrolln$25.00$25.003/21/2010 1:13:31 PM
gain-boomerang5$25.00$25.003/21/2010 3:52:18 PM
newgroom422$25.00$25.003/21/2010 4:32:17 PM
ORcowboy$571.24$453.153/22/2010 8:11:48 AM
reflective-rupee$25.00$25.003/22/2010 9:58:29 AM
lucrative-loan$164.41$164.413/22/2010 11:11:46 AM
honorable-yield$25.00$25.003/22/2010 11:51:58 AM
UCLA4life$25.00$25.003/22/2010 5:14:50 PM
SolarMoonshine$25.00$25.003/22/2010 5:35:33 PM
lucrative-loan$35.59$35.593/22/2010 6:19:19 PM
eronyc$25.00$25.003/22/2010 8:22:13 PM
atrevete$33.70$33.703/22/2010 9:44:16 PM
chameleon125$50.00$50.003/23/2010 7:09:20 AM
Bomber$25.00$25.003/23/2010 12:00:53 PM
carrinel$75.00$75.003/24/2010 12:53:43 PM
payout-comet$25.00$25.003/25/2010 1:07:18 AM
integrity-builder$50.00$50.003/25/2010 8:42:39 AM
innovator2$56.16$56.163/25/2010 10:40:44 AM
penny-sergeant$25.00$25.003/25/2010 2:44:42 PM
Elevate2012$25.00$25.003/25/2010 4:39:39 PM
micko$25.00$25.003/25/2010 4:30:59 PM
Your_Bank$25.00$25.003/25/2010 5:45:38 PM
icon7$50.00$50.003/25/2010 5:01:02 PM
realtormoises$25.00$25.003/25/2010 5:49:08 PM
skubwa$25.00$25.003/25/2010 5:17:15 PM
bazaar-pizza$25.00$25.003/25/2010 7:55:08 PM
attractive-value$29.50$29.503/25/2010 8:00:30 PM
innovator2$39.60$39.603/25/2010 8:55:18 PM
Feyenoord$41.87$41.873/25/2010 9:17:56 PM
malomar66$40.00$40.003/25/2010 9:20:49 PM
sparkling-contract7$25.00$25.003/26/2010 5:54:59 AM
Tlrdlrrnch$25.00$25.003/26/2010 6:04:14 AM
Kash2010lu$35.00$35.003/26/2010 8:29:11 AM
larryboy10$25.00$25.003/26/2010 9:12:38 AM
I_Really_Hate_Banks$42.23$42.233/26/2010 10:12:59 AM
Bob450$25.00$25.003/26/2010 9:49:23 AM
unger$50.00$50.003/26/2010 1:17:37 PM
aha6297$36.24$36.243/26/2010 2:45:08 PM
lend42013$25.00$25.003/26/2010 12:30:50 PM
Gaelicman$50.00$50.003/26/2010 3:05:15 PM
brokerplus$40.00$40.003/26/2010 1:19:04 PM
inspiring-reward$150.00$150.003/19/2010 3:55:55 PM
social-conductor4$25.00$25.003/19/2010 3:52:40 PM
Diamond_Jim$25.00$25.003/19/2010 3:55:21 PM
handy-justice$50.00$50.003/19/2010 3:55:35 PM
deal-hickory5$25.00$25.003/19/2010 3:55:50 PM
burrito6$25.00$25.003/19/2010 3:55:58 PM
drstumpster$25.00$25.003/19/2010 3:57:07 PM
ChristopherS$25.00$25.003/19/2010 3:57:14 PM
skuba$25.00$25.003/19/2010 3:56:22 PM
kellydawn$25.00$25.003/19/2010 3:55:32 PM
PRGuyinVA$25.00$25.003/19/2010 3:56:04 PM
IIP77$25.00$25.003/19/2010 3:56:07 PM
phredd$50.00$50.003/19/2010 3:56:37 PM
DasMula$50.00$50.003/19/2010 6:31:20 PM
zone6$100.00$100.003/19/2010 8:22:44 PM
nbhz60a$25.00$25.003/20/2010 2:13:26 PM
helping-out$35.00$35.003/20/2010 2:49:48 PM
larrybird$59.35$59.353/21/2010 1:14:45 PM
awm$25.00$25.003/22/2010 4:07:37 AM
sensible-fund$25.00$25.003/22/2010 7:25:22 AM
Skeptical-one$25.00$25.003/22/2010 8:33:18 AM
selfmademan$25.00$25.003/22/2010 8:07:21 AM
wyogirllender$25.00$25.003/22/2010 8:45:53 AM
reflective-rupee$25.00$25.003/22/2010 9:57:57 AM
reflective-rupee$50.00$50.003/22/2010 9:59:30 AM
reflective-rupee$25.00$25.003/22/2010 9:58:17 AM
AF-Chief$25.00$25.003/22/2010 1:54:56 PM
well-mannered-income3$50.00$50.003/22/2010 9:17:36 PM
FarmersBank$25.00$25.003/23/2010 6:59:54 AM
new-peso-concerto$33.00$33.003/23/2010 11:29:25 AM
Gregger$31.28$31.283/23/2010 12:48:26 PM
investment-forte$40.00$40.003/23/2010 5:32:54 PM
five-star-note$75.00$75.003/24/2010 10:50:01 AM
tcbmc$25.00$25.003/24/2010 4:42:27 PM
exchange-cowbell5$25.00$25.003/24/2010 6:17:32 PM
loss-of-control$50.00$50.003/24/2010 7:04:54 PM
YoungTaxMan$100.00$100.003/24/2010 8:21:44 PM
Bob450$25.00$25.003/24/2010 7:48:25 PM
nybanker85$125.00$125.003/24/2010 9:05:37 PM
113121$25.00$25.003/25/2010 6:09:48 AM
revenue-channel8$100.00$100.003/25/2010 5:40:36 AM
best-listing-toro$25.00$25.003/25/2010 6:08:12 AM
eriqnoodle$26.56$26.563/25/2010 3:10:51 PM
brother_tam$200.00$200.003/25/2010 5:14:31 PM
dano1965$25.00$25.003/25/2010 5:18:40 PM
jrcctexas25$25.00$25.003/25/2010 7:49:34 PM
boo_hoo$50.00$50.003/25/2010 7:56:08 PM
Bocephus1959$65.00$65.003/25/2010 8:19:53 PM
allbalooboy2$25.00$25.003/25/2010 8:21:48 PM
niq4soccer$25.00$25.003/26/2010 4:46:22 AM
SlickNick$25.00$25.003/26/2010 4:57:17 AM
authentic-peace7$25.00$25.003/26/2010 8:02:26 AM
fairness-atmosphere$25.00$25.003/26/2010 8:13:28 AM
loner001$25.00$25.003/26/2010 6:42:34 AM
Leshan$100.00$100.003/26/2010 8:43:40 AM
dynrep$25.00$25.003/26/2010 11:09:40 AM
HalozLoki$25.00$25.003/26/2010 11:30:50 AM
twjh$25.00$25.003/26/2010 9:36:39 AM
jhernand17$25.00$25.003/26/2010 12:51:30 PM
friendinmoney$25.00$25.003/26/2010 1:18:35 PM
sparky03$114.57$114.573/26/2010 2:34:23 PM
Satur$50.00$50.003/26/2010 3:27:32 PM
blitzen40$25.00$25.003/26/2010 12:47:11 PM
debestof83$32.79$32.793/26/2010 3:41:18 PM
126 bids
 
Borrower Payment Dependent Notes Series 449964
This series of Notes was issued and sold upon the funding of the borrower loan #41566, 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: 14.0% Auction start date:  Mar-12-2010 
  Auction end date:  Mar-17-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $45.24
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
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-1996 Debt/Income ratio: 23%
Basic (1-10): 6 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 22 / 15Length of status:1y 7m
Credit score: 680-699 (Feb-2010) Total credit lines: 57 Occupation: Accountant/CPA
Now delinquent: 1 Revolving credit balance: $20,625Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sparkling-credit3 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
Pay off High Interest Loan
Purpose of loan:
Pay off a very?high interest rate loan which we took out to stay current on bills.?

My financial situation:
We finished building our house in 2008 and?we absolutely love it.? I did the contracting and most of the work myself.? We basically overbuilt our house for our budget at the time.? Of course with the meltdown of the economy, we haven't been able to obtain the raises or job transfers that would allow us higher incomes.? I did just receive a raise last month which will finally get us within our budget.? My wife and I both have very secure jobs, we both have Bachelor's degrees.? I have been with my employer for 1 1/2 years and she has been with hers for 10 years.?? We have a 6 year old son (which is enough for us) and 2 rotten dogs, which we have had for 10 years.
We have never made a late payment .? Our credit is very important to us.? We have a low score due to our revolving debt utilization.? We are set up on payment plans with our larger credit cards.? After speaking with consumer credit counseling, we found out we could call the cr. cards directly and work out the same payment plans (5 year payoff) without damaging our credit score.
I noticed that our prosper credit info is showing 1 current delinquency although with a zero amount.? I have ran all credit reports trying to figure out what this is since we have never had a late payment on our credit.? The only thing I can find is an old student loan that was paid off but they reported us as "unable to locate consumer".? which shows up as potential negative (even though nothing was owed).

Monthly net income: $ 6020
mine 3340
spouse 2680

Monthly expenses: $
??Housing: $ 2595
??Insurance: $ 115 (auto)
??Car expenses: $? 300 (maint and fuel) we have an?02 cavalier and a 98 Nissan both paid for
??Utilities: $? 400
??Phone, cable, internet: $ 150?
???Food, entertainment: $ 850
??Clothing, household expenses $
??Credit cards and other loans: $??600
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
micko$25.00$25.003/12/2010 4:57:57 PM
Bob450$25.00$25.003/12/2010 8:44:50 PM
Kqwik$47.49$47.493/16/2010 12:07:57 PM
vivacious-p2p3$25.00$25.003/16/2010 6:22:57 PM
loss-of-control$25.00$25.003/16/2010 7:27:01 PM
DonDiego$50.00$50.003/17/2010 1:28:56 AM
EngineerUSMC$53.86$53.863/17/2010 5:52:28 AM
bold-direct-asset$25.00$25.003/17/2010 9:35:27 AM
wealth-serenity$37.58$37.583/17/2010 10:26:40 AM
Dave_Cashflow$32.91$32.913/17/2010 11:23:07 AM
kevlar$25.00$25.003/17/2010 1:14:40 PM
Runegeld$100.00$100.003/12/2010 4:44:27 PM
efficient-principal$39.62$39.623/13/2010 6:33:57 AM
new-peso-concerto$25.00$25.003/15/2010 6:53:09 AM
new-smart-fund$100.00$100.003/15/2010 9:03:49 AM
euphoria8$28.00$28.003/15/2010 10:04:44 AM
lucrative-loan$28.72$28.723/15/2010 11:23:49 AM
eronyc$25.00$25.003/16/2010 3:24:43 PM
LittleHelp$25.00$25.003/16/2010 8:28:03 PM
ORcowboy$186.40$170.243/17/2010 9:29:56 AM
investment-forte$61.58$61.583/17/2010 1:59:29 PM
Peterman$25.00$25.003/17/2010 12:15:15 PM
22 bids
 
Borrower Payment Dependent Notes Series 450130
This series of Notes was issued and sold upon the funding of the borrower loan #41474, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Mar-12-2010 
  Auction end date:  Mar-19-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
Final lender yield: 33.00% Final borrower rate/APR: 34.00% / 36.72% Final monthly payment: $67.01
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 19.95%  
Lender servicing fee: 1.00% Estimated return: 13.05%  
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-1995 Debt/Income ratio: 31%
Basic (1-10): 4 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 21 / 13Length of status:10y 1m
Credit score: 640-659 (Feb-2010) Total credit lines: 54 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $23,508Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: purposeful-hope 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
Pay off Short Term Loans
Purpose of loan:
This loan will be used to?
consolidate high interest short term debt and small credit card balances.
My financial situation:
I am a good candidate for this loan because?
My husband and I both have well paying secure jobs which we can provide paystubs and w-2's? (we both have BSBA's in Accounting).? We have never ever?had a late payment?on our credit report (13years).? Our score is?low due to the amount of debt we have.
We took out some short term loans with high interest ?to keep our payments current.?

Monthly net income: $ 6,846
mine 2816
spouse 3380
rental income 650

Monthly expenses: $?
??Housing: $ 2595
??Insurance: $ 115 (auto)
??Car expenses: $ 300 (maint and fuel)
??Utilities: $?400
??Phone, cable, internet: $ 175
??Food, entertainment: $ 850
??Clothing, household expenses $
??Credit cards and other loans: $?500
??Other expenses: $ 594 (rental home mortgage)-we have not sold this home because we have excellent renters (15mos) and are next to a major hospital that is expanding and has show interest in the property just haven't made any offers yet.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bob450$25.00$25.003/12/2010 8:27:32 PM
rate-farm3$250.00$250.003/15/2010 7:01:16 AM
new-peso-concerto$25.00$25.003/15/2010 7:44:17 AM
donlenboy$27.55$27.553/16/2010 10:59:02 AM
eureka117$25.00$25.003/18/2010 11:18:58 AM
micko$25.00$25.003/18/2010 2:34:06 PM
autonomous-truth$25.00$25.003/18/2010 8:42:57 PM
Ronnieboy888$25.00$25.003/18/2010 9:32:10 PM
love2garden$50.00$50.003/19/2010 8:24:07 AM
toxicbutterfly$25.00$25.003/19/2010 8:18:11 AM
dudebrah$25.00$25.003/19/2010 12:10:56 PM
seadrg$25.00$25.003/19/2010 12:21:59 PM
trainu$49.72$49.723/19/2010 12:51:52 PM
realtormoises$25.00$25.003/19/2010 1:09:02 PM
Silverling6$25.00$25.003/19/2010 2:02:44 PM
lend42013$27.00$27.003/19/2010 1:47:06 PM
lender12345$25.00$25.003/19/2010 3:08:16 PM
money-encourager$25.00$25.003/19/2010 3:33:40 PM
nilonc1$50.00$50.003/19/2010 3:16:39 PM
double22$29.89$29.893/19/2010 3:03:22 PM
DasMula$77.00$77.003/12/2010 5:28:54 PM
Runegeld$50.00$50.003/15/2010 6:56:37 PM
DonDiego$25.00$25.003/17/2010 1:42:15 AM
euphoria8$30.00$30.003/17/2010 4:32:46 PM
Peterman$29.02$29.023/18/2010 10:39:39 AM
mrxtravis$100.00$100.003/18/2010 10:06:15 AM
investment-visionary$35.83$35.833/18/2010 9:42:09 AM
Tono$25.00$18.993/18/2010 6:03:27 PM
heroic-benefit$150.00$150.003/18/2010 8:12:58 PM
Unitas4302$50.00$50.003/18/2010 8:53:56 PM
wild-orange$25.00$25.003/19/2010 1:34:36 AM
RyanM561$25.00$25.003/19/2010 6:02:16 AM
Leshan$25.00$25.003/19/2010 7:03:34 AM
Trekow$25.00$25.003/19/2010 10:36:09 AM
beach_bum$25.00$25.003/19/2010 2:41:34 PM
35 bids
 
Borrower Payment Dependent Notes Series 450174
This series of Notes was issued and sold upon the funding of the borrower loan #41584, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $258.74
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $245.76
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1997 Debt/Income ratio: 29%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 11Length of status:8y 10m
Credit score: 680-699 (Mar-2010) Total credit lines: 29 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $80,645Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: stinger101 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
660-679 (Jul-2009)
660-679 (Jan-2008)
 
Principal balance: $568.19 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
No more Bank of America!
Purpose of loan:
This loan will be used to consolidate two credit?cards with a revolving balance with?the intent to payoff this loan in three years and to increase my credit score.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time. I have never been late and consistently pay my bills on time. I have a wonderful and secure career as a registered nurse.

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 133
??Car expenses: $ 500
??Utilities: $?110
??Phone, cable, internet: $ 197
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
social-conductor4$25.00$25.003/15/2010 4:49:39 PM
Kaj$25.00$25.003/15/2010 4:51:11 PM
successful-euro$40.00$40.003/15/2010 4:53:03 PM
natecam$25.00$25.003/15/2010 4:57:50 PM
hope-equation$50.00$50.003/15/2010 4:58:32 PM
nourishing-interest0$25.00$25.003/15/2010 4:58:37 PM
Hokiemon$25.00$25.003/15/2010 4:57:37 PM
orange-courageous-dedication$30.00$1.423/15/2010 4:58:52 PM
steves73$25.00$25.003/15/2010 4:58:01 PM
Cai8899$30.00$30.003/15/2010 4:58:24 PM
lender12345$25.00$25.003/15/2010 6:40:10 PM
glroark$100.00$100.003/16/2010 6:39:59 AM
interstellar$50.00$50.003/16/2010 11:04:27 AM
monstersdad$37.43$37.433/16/2010 11:12:32 AM
reflective-rupee$60.00$60.003/16/2010 10:18:59 AM
reflective-rupee$70.00$70.003/16/2010 10:19:43 AM
113121$25.00$25.003/16/2010 3:18:32 PM
l2fp$57.44$57.443/16/2010 5:39:02 PM
UCLA4life$25.00$25.003/16/2010 6:27:46 PM
113121$200.00$200.003/17/2010 8:00:17 AM
DG2007$25.00$25.003/17/2010 10:07:32 AM
Chiss$25.00$25.003/17/2010 1:56:38 PM
CA_Lender$25.00$25.003/17/2010 2:26:57 PM
Peterman$25.00$25.003/18/2010 10:42:36 AM
exchange-cowbell5$25.00$25.003/18/2010 9:50:02 AM
Frosty$50.00$50.003/18/2010 4:22:44 PM
realtormoises$25.00$25.003/19/2010 9:40:06 AM
supreme-hope$25.00$25.003/19/2010 12:00:05 PM
beach_bum$25.00$25.003/19/2010 2:43:37 PM
boo_hoo$50.00$50.003/19/2010 4:51:12 PM
TheSweetLender$35.00$35.003/19/2010 7:24:43 PM
jcw3rd$25.00$25.003/19/2010 7:03:08 PM
jpblan11$25.00$25.003/19/2010 8:02:34 PM
gjm6d$25.00$25.003/20/2010 10:59:57 AM
onecooldrink$25.00$25.003/20/2010 11:28:00 AM
clemclan$25.00$25.003/20/2010 1:50:27 PM
LogCabin5$50.00$50.003/20/2010 4:52:22 PM
Bob450$25.00$25.003/20/2010 5:52:59 PM
vest_vortex$25.00$25.003/20/2010 7:29:51 PM
grnii78$100.00$100.003/20/2010 8:57:13 PM
grnii78$100.00$100.003/20/2010 8:57:41 PM
JiggaJoeyS$30.00$30.003/21/2010 9:24:16 AM
JiggaJoeyS$37.75$37.753/21/2010 9:24:43 AM
integrity-doctor$50.00$50.003/21/2010 7:28:54 PM
Mark-M$25.00$25.003/21/2010 10:01:22 PM
martymaniaman$46.03$46.033/22/2010 6:07:09 AM
clipper271$25.00$25.003/22/2010 8:59:52 AM
wonder3$25.00$25.003/22/2010 6:09:57 AM
nurat$82.13$82.133/22/2010 8:24:36 AM
mlj0671$33.00$33.003/22/2010 8:37:09 AM
PotBellyPete$35.00$35.003/22/2010 9:55:05 AM
credit-missile$100.00$100.003/22/2010 9:55:26 AM
lyrisnox$40.00$40.003/22/2010 10:52:45 AM
gt5149c$25.00$25.003/22/2010 10:49:02 AM
AtmaSingshu$25.00$25.003/22/2010 11:20:29 AM
capthouls$25.00$25.003/22/2010 11:28:40 AM
ultimate-peace$100.00$100.003/22/2010 11:58:10 AM
DasMula$77.00$77.003/22/2010 12:53:42 PM
Vennela$25.00$25.003/22/2010 1:19:24 PM
myidear$25.00$25.003/22/2010 12:44:21 PM
upbeat-wealth$25.00$25.003/22/2010 1:24:35 PM
Leshan$50.00$50.003/22/2010 2:11:11 PM
compatible-diversification$25.00$25.003/22/2010 3:01:04 PM
aquistoyraul$25.00$25.003/22/2010 4:04:09 PM
futurechef11$25.00$25.003/22/2010 3:53:30 PM
fund-dragster$34.90$34.903/22/2010 4:06:01 PM
quest0$49.16$49.163/22/2010 3:34:21 PM
csa_101824$25.00$25.003/22/2010 4:10:59 PM
Rip128$75.00$75.003/22/2010 4:15:21 PM
nicklds$25.00$25.003/15/2010 4:44:03 PM
oldmora$25.00$25.003/15/2010 4:51:13 PM
orange-preeminant-bill$100.00$100.003/15/2010 4:51:58 PM
stolan$25.00$25.003/15/2010 4:52:07 PM
nletunic$25.00$25.003/15/2010 4:56:50 PM
AF-Chief$28.00$28.003/15/2010 4:57:10 PM
personal-lender$25.00$25.003/15/2010 4:58:40 PM
secobarbital$25.00$25.003/15/2010 4:58:12 PM
Emberfox$25.00$25.003/15/2010 4:54:46 PM
ptjg$50.00$50.003/15/2010 4:57:15 PM
Aberdeen$350.00$350.003/15/2010 5:22:46 PM
mercuriant$25.00$25.003/15/2010 5:27:11 PM
shawnw2$50.00$50.003/15/2010 5:41:17 PM
Bob450$50.00$50.003/15/2010 8:35:57 PM
five-star-note$50.00$50.003/16/2010 6:31:20 AM
Skeptical-one$25.00$25.003/16/2010 10:32:53 AM
reflective-rupee$60.00$60.003/16/2010 10:19:12 AM
SFBank$200.00$200.003/16/2010 7:40:23 PM
enthusiastic-balance5$100.00$100.003/17/2010 6:37:48 AM
charming-point$300.00$300.003/17/2010 1:25:49 PM
Loanliness$25.00$25.003/18/2010 8:11:52 AM
dano1965$50.00$50.003/18/2010 11:59:59 AM
Feyenoord$25.08$25.083/18/2010 7:51:33 PM
CoolPlexer$33.28$33.283/18/2010 7:38:14 PM
GyJAV_BNCCo$25.00$25.003/18/2010 9:29:36 PM
Ronnieboy888$25.00$25.003/18/2010 9:31:32 PM
JauaFlash$25.00$25.003/19/2010 10:13:10 AM
Jinja$29.22$29.223/19/2010 12:52:42 PM
DebDesert$25.00$25.003/19/2010 1:09:40 PM
cerbear9$25.00$25.003/19/2010 4:35:35 PM
akakii$25.00$25.003/19/2010 6:20:48 PM
OldManP$25.00$25.003/19/2010 7:22:48 PM
unger$50.00$50.003/19/2010 7:37:55 PM
psycardis$27.01$27.013/19/2010 10:37:18 PM
COtheBeast$25.00$25.003/20/2010 8:16:17 AM
shellstar$25.34$25.343/20/2010 10:47:44 AM
Kash2010lu$35.00$35.003/20/2010 5:19:33 PM
payout-comet$25.00$25.003/21/2010 5:46:30 AM
dunrizzo$37.45$37.453/20/2010 10:55:10 PM
Director78$40.00$40.003/21/2010 9:26:13 AM
genuine-integrity0$100.00$100.003/21/2010 1:04:52 PM
dood2112$25.00$25.003/21/2010 11:27:44 AM
wise-courageous-social$50.00$50.003/21/2010 3:45:38 PM
new-truth-chuckler$35.10$35.103/21/2010 3:36:11 PM
carmat60$25.00$25.003/21/2010 7:31:07 PM
brother_tam$100.00$100.003/21/2010 8:33:17 PM
autoconnection$35.29$35.293/22/2010 4:55:06 AM
umfan123$25.00$25.003/22/2010 6:46:33 AM
benefit-flow$36.50$36.503/22/2010 6:58:38 AM
privatebankerva$25.00$25.003/22/2010 7:37:23 AM
principal-laser$125.00$125.003/22/2010 8:06:27 AM
FinanceEngine$25.00$25.003/22/2010 10:07:14 AM
Lear31$45.00$45.003/22/2010 10:15:59 AM
loan-fate$25.00$25.003/22/2010 11:09:15 AM
Astyanax$30.00$30.003/22/2010 12:26:37 PM
wild-orange$25.00$25.003/22/2010 2:37:06 PM
worthy-bid4$25.00$25.003/22/2010 3:02:19 PM
investment-cluster$25.00$25.003/22/2010 3:13:42 PM
YoungTaxMan$51.47$51.473/22/2010 3:29:47 PM
CreditBuilder2$50.00$50.003/22/2010 3:34:14 PM
revenue-appraiser$30.00$30.003/22/2010 3:59:39 PM
hektek22$25.00$25.003/22/2010 4:10:57 PM
thrilling-nickel5$25.00$25.003/22/2010 4:13:08 PM
Engineer44$25.00$25.003/22/2010 4:27:39 PM
133 bids
 
Borrower Payment Dependent Notes Series 450210
This series of Notes was issued and sold upon the funding of the borrower loan #41502, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $298.83
Final lender yield: 13.85% Final borrower rate/APR: 14.85% / 17.02% Final monthly payment: $294.03
 
Auction yield range: 6.04% - 15.00% 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: Feb-1995 Debt/Income ratio: 11%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 4Length of status:7y 10m
Credit score: 740-759 (Mar-2010) Total credit lines: 16 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $9,445Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: DaddyBill Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Bye Bye BOA
My credit card story: Before the recession I took advantage of 0% introductory card offers. When the rates changed I consolidated into the accounts with the lowest interest. Unfortunately, I didn?t know that reducing my available credit lowered my FICO score. When my score went down, the new banks started hiking the rates on the open cards.
I kept two accounts open including American Express. Then AmEx jacked up my rate just before the new federal regulations kicked in.
Here are the numbers as of mid March. Percent, balance, and minimum.
CLOSED ACCTSBOA???? ? 16% $6580? min=$149Juniper??? 8%? 3750? min=64ETrade???? 7%? 4200? min=64OPEN ACCTSUpromise? 9.25% $3700 Min=$65 AmEx?? 15.25 ??? 5700 min=115
($1,000 of the AmEx balance is at 25% due to a cash advance)

SUMMARY
CREDIT CARD DEBT=21,190
MONTHLY MIN=457
BUDGETED PAYMENT=$900
I pay well over the minimums.

My financial situation:
We are a family of 3 with one income. My salary is over $65K. I work in advertising and my agency is actually doing quite well.(Even in this economy). My employment is stable.

With this Prosper loan I intend to pay off the BOA account and pay down the open AmEx account. This will free up more than enough for making the Prosper payments and continue paying above the minimum on other accounts. I hope this loan is bid down below the average of the high rates.

BUDGET
Monthly pay after all taxes and deductions: $3600?

Mortgage etc: $1,160
Cable/Utilities/Phone 400
Car insurance: 65
Gas??? 120
School fees: 100
Credit cards (see above) 900
Food and incidentals: 450
Unexpected: (home & auto repair, family outings) about $400
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
principal-prodigy$25.00$25.003/15/2010 4:53:43 PM
satisfying-durability$25.00$25.003/15/2010 4:49:45 PM
skuba$25.00$25.003/15/2010 5:01:19 PM
torion$25.00$25.003/15/2010 5:04:04 PM
personal-lender$25.00$25.003/15/2010 5:04:53 PM
inspired-contract9$25.00$25.003/15/2010 5:06:46 PM
macjp123$25.00$25.003/15/2010 5:03:28 PM
mg6619$25.00$25.003/15/2010 5:05:37 PM
flexible-value$26.00$26.003/15/2010 5:10:20 PM
bonus-adventure3$25.00$25.003/15/2010 5:07:14 PM
integrity-doctor$50.00$50.003/15/2010 5:11:35 PM
figs4u2$100.00$100.003/15/2010 5:12:16 PM
successful-euro$50.00$50.003/15/2010 5:10:53 PM
Gabriel02$25.00$25.003/15/2010 5:16:47 PM
AF-Chief$28.00$28.003/15/2010 5:18:05 PM
mmckune$25.00$25.003/15/2010 5:26:51 PM
cingular$25.00$25.003/15/2010 5:30:04 PM
important-ore$50.00$50.003/15/2010 5:31:38 PM
martinnc$25.00$25.003/15/2010 5:34:38 PM
currency-shaker16$100.00$100.003/15/2010 5:50:15 PM
truth-futurist$50.00$50.003/15/2010 6:20:05 PM
cnovak$25.00$25.003/15/2010 6:57:22 PM
lighter$25.00$25.003/15/2010 8:09:09 PM
deal-dojo$52.92$52.923/16/2010 4:31:39 AM
Streetfighter$50.00$50.003/16/2010 5:37:39 AM
happy-asset$25.00$25.003/16/2010 9:32:55 AM
totoro$25.00$25.003/16/2010 10:22:39 AM
trade-doughnut5$25.00$25.003/16/2010 8:02:25 AM
unforgettable-order9$100.00$100.003/16/2010 9:33:13 AM
Jim33$25.00$25.003/16/2010 7:13:36 PM
cloud8$25.06$25.063/17/2010 7:22:18 AM
AaronL$25.00$25.003/17/2010 10:31:41 AM
dime-persimmon0$25.00$25.003/17/2010 11:00:39 AM
preventivepestcontrol$27.75$27.753/17/2010 1:57:15 PM
RedCentre$250.00$250.003/17/2010 4:38:20 PM
techstarman$100.00$100.003/17/2010 8:15:15 PM
base858$27.18$27.183/17/2010 10:09:07 PM
gethope$28.95$28.953/17/2010 8:37:45 PM
brightest-dignified-penny$25.00$25.003/17/2010 8:52:19 PM
mhotchan$100.00$100.003/17/2010 11:27:10 PM
arbor1$25.00$25.003/17/2010 9:16:27 PM
excellent-nickel$25.00$25.003/18/2010 9:32:45 AM
respectful-integrity3$30.00$30.003/18/2010 11:23:57 AM
Finchy78$25.00$25.003/18/2010 10:19:29 AM
cash-tent$50.00$50.003/18/2010 10:37:43 PM
Sol_Invictus$25.00$25.003/19/2010 8:50:18 AM
impartial-deal$25.00$25.003/19/2010 12:48:22 PM
reflective-rupee$100.00$100.003/19/2010 3:37:41 PM
reflective-rupee$100.00$100.003/19/2010 3:38:29 PM
blue-relay$25.00$25.003/19/2010 5:42:24 PM
spiff666$25.00$25.003/19/2010 6:07:59 PM
cerbear9$25.00$25.003/19/2010 4:38:57 PM
LesPaul1$25.00$25.003/19/2010 6:17:45 PM
liberty-thinker$25.00$25.003/19/2010 6:01:05 PM
Arpad$45.00$45.003/19/2010 7:16:39 PM
Jwkeil$25.00$25.003/19/2010 7:52:12 PM
leonparte$25.00$25.003/20/2010 6:27:13 AM
bsh297$25.00$25.003/20/2010 4:46:10 AM
averagefore$25.00$25.003/20/2010 8:06:12 AM
MoneyTree79$50.00$50.003/20/2010 10:45:52 AM
Apotheosis$25.00$25.003/20/2010 5:18:41 PM
vest_vortex$25.00$25.003/20/2010 7:33:23 PM
DackoDenk$25.00$25.003/20/2010 8:22:47 PM
credit-panda1$25.00$25.003/21/2010 5:48:35 AM
shantran$100.00$100.003/21/2010 9:59:47 AM
dano1965$50.00$50.003/21/2010 7:52:05 AM
coin-trajectory$25.00$25.003/21/2010 10:22:39 AM
Spraydawg$31.85$31.853/21/2010 11:28:29 AM
Bucket219$31.39$31.393/21/2010 8:55:49 AM
Dskillz$25.00$25.003/21/2010 10:16:50 AM
jpblan11$25.00$25.003/21/2010 1:34:14 PM
nakane66$25.00$25.003/21/2010 1:45:09 PM
nashibaksi$25.00$25.003/21/2010 6:51:04 PM
knowonder$27.95$27.953/21/2010 3:18:40 PM
agreement-bunny$25.00$25.003/21/2010 7:15:28 PM
Skiph$25.00$25.003/21/2010 7:51:38 PM
principal-laser$250.00$250.003/22/2010 8:02:48 AM
rate-hickory$25.00$25.003/22/2010 8:30:48 AM
clipper271$25.00$25.003/22/2010 9:00:20 AM
The-CAPS-fan$25.00$25.003/22/2010 7:50:17 AM
julijask$35.00$35.003/22/2010 9:02:07 AM
investment-seeker7$25.00$25.003/22/2010 9:25:26 AM
BuzzyBee336$25.00$25.003/22/2010 9:51:56 AM
broker558$25.00$25.003/22/2010 9:44:07 AM
pawnshopman$25.00$25.003/22/2010 10:10:34 AM
BankofBeth$25.00$25.003/22/2010 10:19:50 AM
Hatdance$33.15$33.153/22/2010 11:24:14 AM
dollardave$100.00$100.003/22/2010 11:24:47 AM
akakii$57.50$57.503/22/2010 11:55:34 AM
TheSpottedFlamingo$25.00$25.003/22/2010 11:41:18 AM
ultimatepaintball$25.00$25.003/22/2010 11:57:51 AM
Moneypenny6$25.00$25.003/22/2010 12:20:17 PM
rdrloan$25.00$25.003/22/2010 12:04:56 PM
wonderous-power$25.00$25.003/22/2010 12:35:43 PM
Occhy$75.00$75.003/22/2010 12:42:00 PM
sharp-credit$352.22$352.223/22/2010 1:12:32 PM
patriot384$74.00$74.003/22/2010 1:17:26 PM
Vennela$25.00$25.003/22/2010 1:27:51 PM
wwwUniversal$25.00$25.003/22/2010 1:36:25 PM
benefit-flow$30.00$30.003/22/2010 2:18:19 PM
investment-cluster$25.00$25.003/22/2010 3:18:35 PM
myduck$75.00$75.003/22/2010 3:19:40 PM
thrilling-nickel5$25.00$25.003/22/2010 4:09:39 PM
cash-spinner$25.00$25.003/22/2010 4:15:53 PM
exciting-fairness$200.00$200.003/22/2010 4:27:52 PM
mistering$50.00$50.003/22/2010 4:28:17 PM
enthusiastic-balance5$100.00$100.003/15/2010 5:02:49 PM
Avala$50.00$50.003/15/2010 5:04:21 PM
delicious-social132$25.00$25.003/15/2010 5:05:18 PM
the-silver-blaster$40.00$40.003/15/2010 5:04:40 PM
fightinjoe$25.00$25.003/15/2010 5:06:10 PM
Clambake$50.00$50.003/15/2010 5:03:40 PM
sharp-bill2$40.00$40.003/15/2010 5:06:21 PM
tenacious-compassion9$25.00$25.003/15/2010 5:11:09 PM
nletunic$25.00$25.003/15/2010 5:12:01 PM
irrelevant$25.00$25.003/15/2010 5:17:06 PM
desertoasis$50.00$50.003/15/2010 5:14:53 PM
bchen78875$25.00$25.003/15/2010 5:20:37 PM
scrappy-bonus2$25.00$25.003/15/2010 5:23:12 PM
phredd$50.00$50.003/15/2010 5:22:22 PM
ScottW$25.00$25.003/15/2010 5:31:21 PM
durability-halibut$25.00$25.003/15/2010 5:34:44 PM
bountiful-bazaar$25.00$25.003/15/2010 9:47:55 PM
progressive-asset$53.34$53.343/16/2010 7:20:04 AM
kmfreymi$25.00$25.003/16/2010 9:38:17 AM
cathexis$100.00$100.003/16/2010 10:23:23 AM
Katherine12$25.00$25.003/16/2010 9:31:57 AM
dt_one$25.00$25.003/16/2010 11:03:46 AM
FrogAndToad$25.00$25.003/16/2010 11:34:38 AM
Finspons$25.00$25.003/16/2010 12:14:29 PM
asset-professor$75.00$45.233/16/2010 11:21:12 AM
wealth-serenity$25.00$25.003/17/2010 10:20:08 AM
Pilotaceh$25.00$25.003/17/2010 10:43:50 AM
Pickmar$25.00$25.003/17/2010 1:51:08 PM
fair_rates$25.00$25.003/17/2010 11:28:42 PM
DrNano$50.00$50.003/18/2010 11:30:35 AM
minista$25.00$25.003/18/2010 10:27:29 AM
cashasaurus0$200.00$200.003/18/2010 3:37:26 PM
stockpiler079$25.00$25.003/19/2010 8:14:09 AM
Molson Bank & Trust$50.00$50.003/19/2010 11:59:54 AM
miket71$63.33$63.333/19/2010 12:48:12 PM
market-atlantis$25.00$25.003/19/2010 12:45:03 PM
EatWiCheese$63.74$63.743/19/2010 2:31:37 PM
guardian3$25.00$25.003/19/2010 4:02:13 PM
draggon77$25.00$25.003/19/2010 4:26:36 PM
jcw3rd$25.00$25.003/19/2010 7:02:15 PM
gmf$25.00$25.003/19/2010 7:12:03 PM
cutter21$36.32$36.323/19/2010 10:06:30 PM
momentous-coin$75.00$75.003/19/2010 11:45:52 PM
ksubd$50.00$50.003/20/2010 1:29:20 AM
adir1$25.00$25.003/20/2010 12:28:06 PM
twerns$40.00$40.003/20/2010 2:12:17 PM
Torero06$25.00$25.003/20/2010 7:34:37 PM
Johnab$25.00$25.003/20/2010 6:01:22 PM
heerzaquestion$25.00$25.003/21/2010 10:06:15 AM
kindness-venture1$25.00$25.003/21/2010 9:11:51 AM
deal-contributor8$50.00$50.003/21/2010 9:19:13 AM
ASG_NECO$25.00$25.003/21/2010 1:04:33 PM
mattblizz$75.00$75.003/21/2010 1:58:51 PM
Techne_Funds_LLC$25.00$25.003/21/2010 2:10:56 PM
mauge35$52.37$52.373/21/2010 8:31:08 PM
rajs$54.29$54.293/22/2010 6:45:12 AM
blackstar$25.00$25.003/22/2010 4:40:46 AM
webfeet$25.00$25.003/22/2010 5:52:31 AM
Flreap$50.00$50.003/22/2010 9:11:56 AM
rockymtbob$25.00$25.003/22/2010 7:10:13 AM
grampy48$25.00$25.003/22/2010 8:15:29 AM
CommerciaLender$25.00$25.003/22/2010 8:18:28 AM
smalltown_mn$25.00$25.003/22/2010 10:15:38 AM
OGS_Capital$25.00$25.003/22/2010 11:23:56 AM
velocity-winner$25.00$25.003/22/2010 11:57:44 AM
sharp-credit$755.64$755.643/22/2010 11:40:33 AM
jybank$25.00$25.003/22/2010 11:51:27 AM
mitcha1$25.00$25.003/22/2010 12:29:38 PM
Astyanax$25.00$25.003/22/2010 12:32:01 PM
nalaari$41.82$41.823/22/2010 12:30:49 PM
Astyanax$25.00$25.003/22/2010 12:32:16 PM
steady-dime$25.00$25.003/22/2010 1:16:00 PM
awe-inspiring-power$25.00$25.003/22/2010 12:41:22 PM
grammaspurse$25.00$25.003/22/2010 3:06:32 PM
wild-orange$25.00$25.003/22/2010 2:37:51 PM
porwestco$25.00$25.003/22/2010 3:39:08 PM
Delta-Kilo-7K$25.00$25.003/22/2010 4:10:35 PM
MrAirport$50.00$50.003/22/2010 3:03:53 PM
hektek22$25.00$25.003/22/2010 4:12:16 PM
Delta-Kilo-7K$25.00$25.003/22/2010 4:24:46 PM
ddog0224$50.00$50.003/22/2010 4:25:15 PM
187 bids
 
Borrower Payment Dependent Notes Series 450264
This series of Notes was issued and sold upon the funding of the borrower loan #41480, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $95.93
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $95.68
 
Auction yield range: 4.04% - 8.38% 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-1989 Debt/Income ratio: 29%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 7Length of status:11y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 0 Revolving credit balance: $35,030Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: new-majestic-community Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card
Purpose of loan:
This loan will be used to? I currently have a high interest credit card that I would like to pay off, which would hopefully give me a lower payment with Prosper.? I currently work in local government so I am trustworthy and pay all my bills on time.? I saw Prosper and read some good reviews, therefore, thought I would give it a try.?

My financial situation:
I am a good candidate for this loan because? I have had my current job since 1998 and it is in local government.? Even in the current financial hardship happening around the country most local government jobs are secure - including myself.? I work hard and?enjoy my job.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
skuba$25.00$25.003/15/2010 5:01:21 PM
macjp123$25.00$25.003/15/2010 5:03:26 PM
Avala$50.00$50.003/15/2010 5:04:19 PM
mg6619$25.00$25.003/15/2010 5:05:36 PM
delicious-social132$25.00$25.003/15/2010 5:05:17 PM
sharp-bill2$40.00$40.003/15/2010 5:06:20 PM
fightinjoe$25.00$25.003/15/2010 5:06:09 PM
torion$25.00$25.003/15/2010 5:04:02 PM
successful-euro$50.00$50.003/15/2010 5:10:52 PM
tenacious-compassion9$25.00$25.003/15/2010 5:11:08 PM
figs4u2$100.00$100.003/15/2010 5:12:14 PM
phredd$50.00$50.003/15/2010 5:22:21 PM
important-ore$50.00$50.003/15/2010 5:31:36 PM
martinnc$25.00$25.003/15/2010 5:34:37 PM
jokerj006$25.00$25.003/15/2010 6:57:20 PM
lighter$25.00$25.003/15/2010 8:09:07 PM
bountiful-bazaar$25.00$25.003/15/2010 9:47:54 PM
kmr2$25.00$25.003/16/2010 4:12:29 AM
irrelevant$25.00$25.003/16/2010 7:19:00 AM
happy-asset$25.00$25.003/16/2010 9:32:53 AM
kmfreymi$25.00$25.003/16/2010 9:38:16 AM
mmckune$25.00$25.003/16/2010 11:13:50 AM
success1001$50.00$50.003/16/2010 3:06:04 PM
Speculator$50.00$50.003/16/2010 3:06:00 PM
a-social-nebula$25.00$25.003/16/2010 6:19:47 PM
top-silver-american$25.00$25.003/16/2010 6:28:50 PM
NycDean$25.00$25.003/16/2010 7:58:58 PM
cingular$25.00$25.003/16/2010 6:19:37 PM
bold-durability-drum$25.00$25.003/16/2010 6:20:19 PM
payment-piledriver$25.00$25.003/16/2010 6:28:52 PM
HappyToLoan$30.00$30.003/20/2010 3:30:54 PM
toocautious$50.00$50.003/22/2010 8:26:04 AM
wild-orange$25.00$25.003/22/2010 2:27:43 PM
haryassman$25.00$25.003/22/2010 3:44:21 PM
enthusiastic-balance5$100.00$100.003/15/2010 5:02:48 PM
Clambake$50.00$50.003/15/2010 5:03:41 PM
personal-lender$25.00$25.003/15/2010 5:04:55 PM
inspired-contract9$25.00$25.003/15/2010 5:06:45 PM
bonus-adventure3$25.00$25.003/15/2010 5:07:13 PM
flexible-value$26.00$26.003/15/2010 5:10:21 PM
integrity-doctor$50.00$50.003/15/2010 5:11:33 PM
nletunic$25.00$25.003/15/2010 5:12:00 PM
AF-Chief$28.00$28.003/15/2010 5:18:04 PM
desertoasis$25.00$25.003/15/2010 5:13:50 PM
inspiring-reward$50.00$50.003/15/2010 5:15:36 PM
scrappy-bonus2$25.00$25.003/15/2010 5:23:11 PM
progressive-asset$36.00$36.003/15/2010 5:57:44 PM
asset-professor$36.00$36.003/15/2010 9:27:19 PM
Streetfighter$50.00$50.003/16/2010 5:37:36 AM
trade-doughnut5$25.00$25.003/16/2010 8:02:23 AM
unforgettable-order9$100.00$100.003/16/2010 9:33:12 AM
selector568$500.00$500.003/16/2010 7:20:47 AM
bchen78875$25.00$25.003/16/2010 11:06:09 AM
cathexis$100.00$100.003/16/2010 10:23:21 AM
the-profit-oracle$25.00$25.003/16/2010 1:13:13 PM
SPB$25.00$25.003/16/2010 3:14:39 PM
1phantom$40.00$40.003/16/2010 4:38:46 PM
AndersenWatcher$25.00$25.003/16/2010 3:27:26 PM
moola-man$25.00$25.003/16/2010 7:45:07 PM
mpactlender$25.00$25.003/16/2010 4:33:04 PM
inventive-wealth2$25.00$25.003/16/2010 6:19:34 PM
jwood3030$25.00$25.003/17/2010 3:22:33 AM
Gabriel02$25.00$14.003/16/2010 7:59:35 PM
dontscrewmeover1$25.00$25.003/17/2010 6:55:17 PM
webfeet$25.00$25.003/18/2010 9:16:43 AM
JerryB96$25.00$25.003/20/2010 9:57:21 PM
swissbanker$50.00$50.003/21/2010 2:45:42 PM
BaxterSandy$25.00$25.003/21/2010 5:19:27 PM
shellstar$25.00$25.003/21/2010 7:49:59 PM
Charmart$25.00$25.003/22/2010 2:48:01 AM
dano1965$25.00$25.003/22/2010 10:27:54 AM
bornsucka$25.00$25.003/22/2010 11:49:49 AM
wwwUniversal$25.00$25.003/22/2010 1:40:55 PM
Nasdaq$25.00$25.003/22/2010 3:09:48 PM
thrilling-nickel5$25.00$25.003/22/2010 4:25:44 PM
75 bids
 
Borrower Payment Dependent Notes Series 450294
This series of Notes was issued and sold upon the funding of the borrower loan #41496, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-19-2010 
 
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: 14.04% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
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-2005 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 12Length of status:1y 9m
Credit score: 620-639 (Mar-2010) Total credit lines: 17 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $12,518Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: HostDIY-Zachary Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
680-699 (Jan-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
2nd Prosper Loan: Business Relaunch
My company is in the middle of rebranding a division of our business. We need additional capital to finialize the relaunch and to purchase additional inventory/software. The industry our business runs in, I have currently been working in for almost a decade now and it is an industry that is continuing to see growth even while the global economy is contracting.

As you can see, I personally have a high credit card utilization due to our businesses. We have self financed every business we have and that has lead to high credit card utilization. The businesses on the other hand are debt free and profitable. We are currently working on paying down the current credits and as you can see by the financials below we have plenty of room to do this.

As you can also see, I have had a Prosper loan in the past which was paid off nearly a year early. We look forward to being able to pay off this loan early too.

Monthly net income: $3,000.00

Monthly expenses: $1,510/month?
??Housing: $300.00 (rental) -?We have been blessed with?a great family that has allowed us to rent their rental house at cost.
??Insurance: $70.00 ($20?renters, $50.00 car)?
??Car expenses: $0.00 (we own our car, no loans)?
??Utilities: $250.00 (Gas: $120/month, Electricity: $100/month, Garabage: $15/month, Water $15/month)?
??Phone, cable, internet: $150/month?
??Food, entertainment: $300/month
??Clothing, household expenses $100/month
??Credit cards and other loans: $340/month
??Other expenses: $0/month
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your Prosper payments are excellent. Do you have plans to cut down some of that cc bal? - Tono
A: Yes, I pay everything on time. Payment history is very important to me. Yes, I do plan on paying down the credit card balance. The prosper utilization rate at 89% is not correct. My actually utilization as per my Experian credit report is 69% based on resolving credit. Please do not let the extremely high and wrong Prosper utilization to affect your view of my listing. (Mar-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.003/15/2010 5:05:55 PM
Jasmel$800.00$259.973/15/2010 6:41:58 PM
reflective-rupee$30.00$30.003/15/2010 11:58:10 PM
Unitas4302$100.00$100.003/16/2010 5:30:37 AM
Tycho$26.00$26.003/16/2010 10:15:12 AM
UCLA4life$25.00$25.003/16/2010 10:47:42 AM
_SCI_$25.00$25.003/16/2010 4:10:26 PM
lucrative-loan$28.56$28.563/16/2010 3:02:49 PM
pemb0023$25.00$25.003/16/2010 5:43:50 PM
new-peso-concerto$25.00$25.003/17/2010 6:52:42 AM
113121$50.00$50.003/17/2010 7:48:25 AM
Aberdeen$350.00$350.003/17/2010 7:57:57 AM
penny-sergeant$25.00$25.003/17/2010 5:57:36 PM
bold-direct-asset$25.00$25.003/17/2010 6:53:30 PM
myutmost$50.00$50.003/17/2010 8:18:03 PM
investmentgroup$25.00$25.003/17/2010 6:47:50 PM
winmals$25.00$25.003/18/2010 5:30:06 AM
new-smart-fund$82.27$82.273/18/2010 9:17:23 AM
brother_tam$200.00$200.003/18/2010 9:15:26 AM
double22$45.61$45.613/18/2010 4:37:42 PM
shark1234$75.00$75.003/18/2010 4:50:03 PM
five-star-note$68.59$68.593/18/2010 4:59:07 PM
Feyenoord$25.00$25.003/18/2010 7:53:44 PM
Ronnieboy888$25.00$25.003/18/2010 9:35:23 PM
Mr_Katana$25.00$25.003/19/2010 7:45:33 AM
eronyc$25.00$25.003/19/2010 12:19:23 PM
a-silver-booster$100.00$100.003/19/2010 1:51:27 PM
micko$25.00$25.003/15/2010 5:14:06 PM
CA_Lender$25.00$25.003/16/2010 2:45:54 AM
Bob450$25.00$25.003/15/2010 8:27:54 PM
selector568$100.00$100.003/16/2010 6:37:17 AM
Kqwik$25.00$25.003/16/2010 12:07:06 PM
Onlyhappycustomers$25.00$25.003/16/2010 5:24:34 PM
truth-trapper$25.00$25.003/16/2010 6:49:57 PM
FarmersBank$25.00$25.003/17/2010 7:38:14 AM
113121$50.00$50.003/17/2010 7:48:50 AM
113121$50.00$50.003/17/2010 7:49:40 AM
113121$50.00$50.003/17/2010 7:49:11 AM
dcm6276$25.00$25.003/17/2010 8:12:00 AM
wyogirllender$25.00$25.003/17/2010 7:42:01 AM
Peterman$30.00$30.003/17/2010 12:16:19 PM
justice-hawk$80.00$80.003/17/2010 1:44:47 PM
WeshaTheLeopard$25.00$25.003/17/2010 11:51:38 AM
fund-dragster$25.00$25.003/17/2010 9:49:22 PM
fund-secret-agent$25.00$25.003/18/2010 11:39:03 AM
capital-kingdom$25.00$25.003/18/2010 3:02:40 PM
well-mannered-income3$25.00$25.003/18/2010 4:30:53 PM
hidavehi$25.00$25.003/18/2010 5:54:43 PM
Tono$30.00$30.003/18/2010 5:19:27 PM
big_balla$25.00$25.003/18/2010 8:41:50 PM
CoolPlexer$25.00$25.003/18/2010 7:37:49 PM
crjmechanic$25.00$25.003/18/2010 9:21:25 PM
heerzaquestion$25.00$25.003/19/2010 4:44:40 AM
CMDCO$50.00$50.003/19/2010 8:28:41 AM
dynrep$50.00$50.003/19/2010 9:42:17 AM
JauaFlash$25.00$25.003/19/2010 10:11:44 AM
Champion_Lending$25.00$25.003/19/2010 3:00:09 PM
catb$44.00$44.003/19/2010 4:44:37 PM
cerbear9$50.00$50.003/19/2010 4:44:40 PM
jbloans$25.00$25.003/19/2010 6:25:02 PM
realtormoises$25.00$25.003/19/2010 5:59:25 PM
allbalooboy2$25.00$25.003/19/2010 6:12:19 PM
sweet-payout5$25.00$25.003/19/2010 6:57:03 PM
63 bids
 
Borrower Payment Dependent Notes Series 450452
This series of Notes was issued and sold upon the funding of the borrower loan #41477, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-21-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $90.47
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
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-1992 Debt/Income ratio: 32%
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 16 / 14Length of status:6y 6m
Credit score: 600-619 (Mar-2010) Total credit lines: 41 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $7,198Stated income:$50,000-$74,999
Amount delinquent: $737 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jopeters41 Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 90% ) 600-619 (Latest)
Principal borrowed: $1,500.00< mo. late: 2 ( 10% )  
600-619 (Nov-2009)
620-639 (Aug-2009)
600-619 (May-2008)
660-679 (May-2007)
 
Principal balance: $816.22 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
2nd Prosper loan ? Help Needed
Thanks for taking the time to look at our Prosper ad.? You can bid in confidence with an excellent return of 34%.

Purpose of loan:
I am seeking a small loan to pay for airline tickets for my wife and daughter to see their Grandmother, whose health is failing and not expected to live much longer.? We live in Alaska and their grandmother lives in Tennessee. We would have saved up for the trip, but her health has gone down over the last?few weeks?and they need to book travel ASAP.?

This will be our 2nd Loan with Prosper with a good payment history.? We promise not to let you down if you help us with the funding of this loan.

Our financial situation:
My wife and I have worked full-time for the same company for the last 6 ? years. So we both have stable jobs.? My wife is a RN and I work as a Respiratory Therapist.?

Delinquencies are from 6 years ago (will pay off in the upcoming months), since then we have been paying our bills on time and reducing debt.?


Income???????? $8000? household per month
Expenses (-) $5980? per month???????????????????
?????????????????? = $2020 left overHousing: $ 1700
Insurance: $ 185
Car expenses: $ 1000?
Utilities: $ 550?
Phone, cable, internet: $ 400?
Food, entertainment: $ 1250?
Credit cards and other loans: $ 895?









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: Can you address the delinquencies? - friendinmoney
A: Thanks for your question. The two delinquencies occurred just over 6 years ago. Verizon Wireless - $623 and GCI Cable - $114. I am currently working with these two companies to have these accounts ?paid and full? by the end of April 2010. Again, Thanks for your interest in my loan. (Mar-20-2010)
Q: Please make sure you pay off these bills in April as you promised and then don't buy a house until your credit card debt is below $2K. It's the best way. Keep at it! - friendinmoney
A: Thanks friendinmoney. Your advice and support is greatly appreciated. I?m looking forward to being a Prosper lender one day and helping others. (Mar-21-2010)
Q: you have "$2020 left over"? Why not use that instead of borrowing $2,000? thank you - Tono
A: Thanks for your question. We would have saved up for the trip, but her health has gone down over the last few weeks. It would have taken a solid month to save up for the tickets. We just didn't think her grandmother had that much time left to save up for the tickets. (Mar-21-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
aztocas$25.00$25.003/15/2010 8:51:30 PM
Bob450$25.00$25.003/15/2010 8:01:45 PM
skater$25.00$25.003/16/2010 12:27:42 AM
wealth-pipeline$25.00$25.003/17/2010 8:17:52 AM
wyogirllender$25.00$25.003/17/2010 7:43:46 AM
victor111$25.00$25.003/18/2010 1:05:21 PM
myutmost$25.00$25.003/18/2010 6:46:23 PM
innovator2$100.00$100.003/18/2010 10:08:12 PM
Kash2010lu$25.00$25.003/18/2010 10:35:54 PM
innovator2$100.00$100.003/18/2010 9:54:08 PM
innovator2$73.88$73.883/19/2010 7:40:36 AM
buffalobills$25.00$25.003/19/2010 8:02:31 AM
cerbear9$25.00$25.003/19/2010 5:02:50 PM
ustfu$25.00$25.003/19/2010 8:25:43 PM
cerbear9$25.00$25.003/20/2010 6:45:21 AM
selector568$50.00$50.003/20/2010 10:37:14 AM
Loanliness$25.00$25.003/20/2010 1:16:37 PM
MelanieSt$25.00$25.003/20/2010 5:09:42 PM
Bob450$50.00$50.003/20/2010 5:41:57 PM
payment-encore$200.00$200.003/21/2010 2:00:00 AM
payout-comet$25.00$25.003/21/2010 6:16:35 AM
mrxtravis$25.00$25.003/21/2010 10:03:15 AM
friendinmoney$33.89$33.893/21/2010 1:10:04 PM
Tono$30.00$30.003/21/2010 3:37:47 PM
cerbear9$25.00$25.003/21/2010 6:28:20 PM
Tono$50.00$50.003/21/2010 4:00:12 PM
chameleon125$50.00$50.003/17/2010 7:46:14 AM
blitzen40$25.00$25.003/17/2010 7:18:48 PM
myutmost$40.00$40.003/17/2010 8:32:55 PM
Mr_Katana$25.00$25.003/17/2010 9:38:50 PM
retired272$25.00$25.003/18/2010 1:07:20 PM
reflective-rupee$25.00$25.003/18/2010 7:32:58 PM
sensible-fund$25.00$25.003/18/2010 8:53:04 PM
reflective-rupee$25.00$25.003/18/2010 7:32:41 PM
periko$50.00$50.003/18/2010 9:37:08 PM
moneymagnet4God$34.85$34.853/19/2010 8:39:53 AM
best-generosity-financier$25.00$25.003/19/2010 5:34:21 PM
SolarMoonshine$25.00$25.003/19/2010 5:47:48 PM
brondero$40.00$40.003/19/2010 6:59:55 PM
heerzaquestion$25.00$25.003/20/2010 4:40:24 PM
loss-of-control$25.00$25.003/20/2010 7:53:38 PM
sweet-payout5$25.00$25.003/21/2010 6:38:43 AM
dynrep$25.00$25.003/21/2010 2:10:27 AM
RecoveryLender$25.00$25.003/21/2010 7:35:46 AM
FarmersBank$50.00$50.003/21/2010 11:27:40 AM
tjone69$25.00$25.003/21/2010 12:30:29 PM
cunning-bill$25.00$25.003/21/2010 5:37:08 PM
Rip128$200.00$147.383/21/2010 6:30:49 PM
DasMula$100.00$100.003/21/2010 4:38:09 PM
49 bids
 
Borrower Payment Dependent Notes Series 450532
This series of Notes was issued and sold upon the funding of the borrower loan #41495, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-21-2010 
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $323.42
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $307.20
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1999 Debt/Income ratio: 29%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 13Length of status:1y 3m
Credit score: 640-659 (Mar-2010) Total credit lines: 60 Occupation: Other
Now delinquent: 0 Revolving credit balance: $14,550Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sublime-peso0 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to payoff credit card debt.

My financial situation:
I am a good candidate for this loan because I pay my financial obligations.? I have had many credit lines opened over the years and have paid them.? I recently paid off my 2006 Toyota Tacoma valued at $32k which was financed for 6 years in 4 years.? I have paid off a?1/2 acre lot valued at $40,000?within 1?year.? Because of these two assets (which I now own), pay downs on my credit cards were not feasible.??I would like?to consolidate my credit cards to make things easier.? Having one payment and one payment date?would be?easier to balance than having 5 payments and 5 different dates.? Since my credit rating is low (around 640 due to high credit card balances) it has been difficult for me to consolidate at a big bank (Chase, etc.).? All my credit cards are with Chase and they will not?even give me the time of day to consolidate.? I know?I will probably get turned down here as well because that just seems to be the norm.? But whomever does come across this, please take the time to look at the historical data of what I have paid off versus a snap shot ratio.??In the past I have?had slow pays (college student days with limited cash) but it's been a very very long time since I have had a late payment.??Thank you and God Bless.??

Monthly net income: $ 5,055.48

Monthly expenses: $
??Housing: $ 625.00
??Insurance: $ 100.00
??Car expenses: $ 0
??Utilities: $ 100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500.00
??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
Q: What do you do a for a living?. - principal-star
A: I'm an Auditor, been auditing for 6 years. (Mar-21-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
responsive-rate884$25.00$25.003/15/2010 4:45:13 PM
social-conductor4$25.00$25.003/15/2010 4:49:37 PM
Kaj$25.00$25.003/15/2010 4:51:09 PM
oldmora$25.00$25.003/15/2010 4:51:15 PM
nletunic$25.00$25.003/15/2010 4:56:47 PM
hope-equation$50.00$50.003/15/2010 4:58:29 PM
steves73$25.00$25.003/15/2010 4:58:05 PM
elevated-platinum5$25.00$25.003/15/2010 4:59:02 PM
helping-out$30.00$30.003/15/2010 5:01:14 PM
AF-Chief$28.00$28.003/15/2010 4:57:07 PM
skuba$25.00$25.003/15/2010 5:01:53 PM
red-favorable-basis$25.00$25.003/15/2010 5:02:12 PM
greatwhiteninja$25.00$25.003/15/2010 5:01:38 PM
personal-lender$25.00$25.003/15/2010 4:58:45 PM
greenwell$25.00$25.003/15/2010 5:01:50 PM
orange-courageous-dedication$30.00$30.003/15/2010 4:58:49 PM
Rattlehead$25.00$25.003/15/2010 5:02:16 PM
honorable-yield$35.00$35.003/15/2010 4:59:16 PM
natural-greenback6$25.00$25.003/15/2010 5:01:33 PM
deegeeman$50.00$50.003/15/2010 5:01:59 PM
tremendous-integrity$25.00$25.003/15/2010 5:07:59 PM
Speculator$100.00$100.003/15/2010 5:09:15 PM
cashonhand$25.00$25.003/15/2010 5:07:19 PM
oaktown23$50.00$50.003/15/2010 5:13:18 PM
LuvToLend$25.00$25.003/15/2010 5:14:12 PM
Banker7371$25.00$25.003/15/2010 5:09:23 PM
seisen$96.65$96.653/15/2010 5:09:27 PM
BlindJoeDeath$25.00$25.003/15/2010 5:14:15 PM
desertoasis$25.00$25.003/15/2010 5:14:57 PM
GElender$25.00$25.003/15/2010 5:17:10 PM
Interstate_Rate$250.00$250.003/15/2010 5:18:40 PM
micko$25.00$25.003/15/2010 5:20:00 PM
robust-trade$25.00$25.003/15/2010 5:22:10 PM
kmr2$200.00$200.003/15/2010 5:23:48 PM
heatherwood$50.00$50.003/15/2010 5:23:51 PM
trustu$25.00$25.003/15/2010 5:18:20 PM
integrity-doctor$50.00$50.003/15/2010 5:18:32 PM
DadWarbucks$25.00$25.003/15/2010 5:19:03 PM
tallmon$25.00$25.003/15/2010 5:26:28 PM
visionary-currency$50.00$50.003/15/2010 5:20:39 PM
love_what_you_do$25.00$25.003/15/2010 5:21:35 PM
mg6619$25.00$25.003/15/2010 5:28:52 PM
mrscenicroute$25.00$25.003/15/2010 5:28:11 PM
delicious-social132$25.00$25.003/15/2010 5:29:00 PM
life-is-great$25.00$25.003/15/2010 5:29:12 PM
efficient-principal$25.00$25.003/15/2010 5:23:46 PM
steely_dan34$25.00$25.003/15/2010 5:29:24 PM
asiaratt$100.00$100.003/15/2010 5:28:45 PM
brother_tam$41.54$41.543/15/2010 5:28:51 PM
important-ore$50.00$50.003/15/2010 5:31:42 PM
burrito6$25.00$25.003/15/2010 5:28:25 PM
Supernick$25.00$25.003/15/2010 5:29:14 PM
nerdfactor$25.00$25.003/15/2010 5:29:21 PM
rolo12$43.05$43.053/15/2010 5:51:34 PM
aasx1108$25.00$25.003/15/2010 5:50:34 PM
kmfreymi$25.00$25.003/15/2010 5:52:43 PM
wise-courageous-social$25.00$25.003/15/2010 6:19:03 PM
WBB21$25.00$25.003/15/2010 7:22:39 PM
moola-man$25.00$25.003/15/2010 5:57:24 PM
NELNET$50.00$50.003/15/2010 10:22:30 PM
parsec9$25.00$25.003/15/2010 11:47:24 PM
Streetfighter$25.00$25.003/16/2010 5:37:17 AM
papaloha$50.00$50.003/16/2010 6:07:18 AM
bountiful-bazaar$25.00$25.003/15/2010 9:42:34 PM
circuitfive$25.00$25.003/16/2010 6:47:14 AM
Peterman$27.00$27.003/16/2010 5:59:04 AM
Lambo168$25.00$25.003/16/2010 7:17:49 AM
theprince$25.00$25.003/15/2010 11:17:20 PM
dime-fighter$25.00$25.003/16/2010 7:02:16 AM
GrooveBiz$45.01$45.013/16/2010 7:28:10 AM
jct_enterprises$25.00$25.003/16/2010 8:02:14 AM
nalaari$25.00$25.003/16/2010 7:19:18 AM
kidsskipp$25.00$25.003/16/2010 7:28:11 AM
money-explorer3$25.00$25.003/16/2010 9:27:40 AM
mizount$25.00$25.003/16/2010 9:38:06 AM
suomynona$25.00$25.003/16/2010 8:57:14 AM
mtandb$25.00$25.003/16/2010 9:27:38 AM
poeman$25.00$25.003/16/2010 10:41:19 AM
CASHGIRL$25.00$25.003/16/2010 10:47:32 AM
dime-neutron$25.00$25.003/16/2010 9:42:28 AM
GreenNotes$34.43$34.433/16/2010 11:03:58 AM
silverloan$25.00$25.003/16/2010 11:12:39 AM
likeable-value$25.00$25.003/16/2010 11:13:36 AM
supreme-hope$25.00$25.003/16/2010 11:29:32 AM
Aveon$25.00$25.003/16/2010 11:29:38 AM
anton$58.74$58.743/16/2010 10:41:16 AM
Jinja$25.00$25.003/16/2010 11:31:02 AM
KiwiElf$25.00$25.003/16/2010 11:31:07 AM
lloyd_s$25.00$25.003/16/2010 11:31:42 AM
venture332$25.00$25.003/16/2010 10:48:24 AM
skybolt4$25.00$25.003/16/2010 11:06:25 AM
sharpchicago$25.00$25.003/16/2010 11:12:23 AM
MylesNH$25.00$25.003/16/2010 11:13:37 AM
smmgnn99$25.00$25.003/16/2010 11:29:20 AM
kindness-percolator5$25.00$25.003/16/2010 11:31:59 AM
jga516$25.00$25.003/16/2010 11:54:19 AM
currency-accomplishment$25.00$25.003/16/2010 12:02:29 PM
JackinGreen$25.00$25.003/17/2010 5:31:49 PM
principal-star$25.00$25.003/18/2010 6:34:42 AM
NS_Consult$27.03$27.033/18/2010 7:38:19 PM
psycardis$100.00$100.003/18/2010 8:46:00 PM
MoneyTree79$25.00$25.003/20/2010 10:44:28 AM
leverage-monger$25.00$25.003/20/2010 1:23:52 PM
Bob450$25.00$25.003/20/2010 5:49:28 PM
foothillender$25.00$25.003/21/2010 6:54:41 AM
Dubbs360$50.00$50.003/15/2010 4:49:21 PM
successful-euro$40.00$40.003/15/2010 4:52:57 PM
orange-preeminant-bill$100.00$100.003/15/2010 4:51:55 PM
Cai8899$30.00$30.003/15/2010 4:58:22 PM
Zolton$200.00$200.003/15/2010 4:58:55 PM
exact-loan5$30.00$30.003/15/2010 4:58:20 PM
ukstevenhawaii$50.00$50.003/15/2010 4:59:42 PM
chicagoman$25.00$25.003/15/2010 4:59:32 PM
SBT$50.00$50.003/15/2010 5:00:51 PM
rhin0cerx$50.00$50.003/15/2010 5:01:07 PM
nrowland$25.00$25.003/15/2010 5:00:57 PM
secobarbital$25.00$25.003/15/2010 4:58:15 PM
nourishing-interest0$25.00$25.003/15/2010 4:58:35 PM
asset-professor$35.00$35.003/15/2010 5:01:43 PM
AF_Trust$25.00$25.003/15/2010 4:59:10 PM
CarDealer3070$30.00$30.003/15/2010 4:59:21 PM
Purposeful$25.00$25.003/15/2010 4:59:25 PM
sympathetic-asset$25.00$25.003/15/2010 4:59:38 PM
listing-trapper3$50.00$50.003/15/2010 5:02:05 PM
Shepherd7$25.00$25.003/15/2010 5:07:49 PM
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WalnutCreekguy$25.00$25.003/15/2010 5:18:14 PM
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FinanceEngine$25.00$25.003/17/2010 4:29:08 PM
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monstersdad$34.31$34.313/18/2010 1:34:05 PM
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216 bids
 
Borrower Payment Dependent Notes Series 450632
This series of Notes was issued and sold upon the funding of the borrower loan #41587, 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:  Mar-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 35.40% Starting monthly payment: $452.36
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 11.35% Final monthly payment: $327.39
 
Auction yield range: 3.04% - 34.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.49%  
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-1994 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 21 / 19Length of status:1y 2m
Credit score: 800-819 (Mar-2010) Total credit lines: 41 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $117,139Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 30%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: five-star-note Borrower's state: Washington Borrower's group: LendersClub
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
Prosper Lender ($25K+)! A Sure Bet!
Purpose of loan:
I am taking this loan to return money to a friend I borrowed from a few years ago. I used his money to invest in some real estate, and the property has nearly doubled in value, but now he needs it back for an investment opportunity he has, and with the market being as it is, my property is not selling as quickly as I would like. So this will allow him to move forward with his dream while I wait for the property to sell. A buyer has been identified, but due diligence will take a long time as it is a lot zoned for multi-unit construction.

My financial situation:
In addition to my $90K salary (not including bonus), I own four profitable? rental units in Washington DC, as well as shares in a company that provides profit sharing in perpetuity. I have well nearly three times the requested amount loaned on Prosper right now at an average return of 23+%. I take my relationship with Prosper very seriously, and look forward to investing the rest of the money I earn from this upcoming sale of the property on Prosper. This will help my good friend move forward with his plans until that happens.

This is a sure bet. The is no way this loan will ever be late or unpaid. Impossible. I am setting up automatic payments to an account that has plenty of cash, as well as a $10K line of credit attached to it (with a higher interest rate than that I'm hoping to get here), so that nothing every goes unpaid, even if I run out of cash, which doesn't happen. This is a sure bet.
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of $26.99 in winning bids.
""AA" Credit, fellow group lender with over $25K invested! He is a great bet!"
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: Hi, can you explain the 117k revolving credit balance? Please answer publicly, thanks. - bazaar-pizza
A: Sure, thanks for the question. $90K of this amount is two Home Equity Lines Of Credits for two properties in DC. The interest rate on those is 2.74%, such that I don't plan to pay them down in the foreseeable future. The balance includes about $10K that is interest free on a credit card until September, and another low-interest card that we use for day-to-day spending. I believe the $117K total is not up to date, but that gives you an idea. (Mar-18-2010)
Q: Why was your last Funded Request withdrawn? Was it because of the 21% Interest Rate? If so, what interest rate would this request have to be bid down to in order for you to be happy with it and accept it? - _SCI_
A: Yes, I was informed by more experienced lenders/borrowers that starting high will results in more people participating. I am not sure what rate would be acceptable, but it is surely less than where it is now! Considering my credit score, AA status, and Prosper record as a lender and trader, I think this is a very conservative investment which should be reflected by a very low interest rate. Thanks for the question! Keep 'em coming! (Mar-18-2010)
Q: real simple: what's your monthly net income, and........see my page. thank you - Tono
A: My monthly income is: Salary: $7,000 Rental properties: $1,500 Profit Sharing: ~$500 (average) Wife's salary: $4,000 Lending Clubs: ~$1500 (P&I) TOTAL: $14,500 Also, I just sold my share of a third property in DC, and will be paid $7,000/month for the next 10 months. These payments haven't started yet though. Thanks for your interest! (Mar-18-2010)
Q: thanks for the reply. So now, what are the income and expense figures: the 2 figures, just 2 - Tono
A: Sure. Total income: $14,500 Approximate Expenses: $11,000 Thanks again! (Mar-18-2010)
Q: If you are receiving "Also, I just sold my share of a third property in DC, and will be paid $7,000/month for the next 10 months. ", then why are you asking for this loan? - jpblan11
A: Thanks for the question. I plan to use the $7,000 payments to pay back the balance of the loan to this same friend. The payments haven't yet started, and I want to make sure my friend gets at least this first payment ASAP so the he doesn't lose this opportunity. After I pay him this first amount, I will owe him $35,000. After the five monthly payments, the rest of the payments will likely be lent out on Prosper. (Mar-20-2010)
Q: Please give a detail account of the expenses, thank you. - jpblan11
A: Sure. Rent- $1500 Student Loans- $1500 Food- $1500 Auto Expenses- $300 Entertainment- $500 Healthcare- $100 Sports- $200 Utilities- $400 Charity- $300 Clothing- $200 Wife's tuition & books- $1500 (in-state graduate school) Travel- $500 Credit card payments- $1000 Repairs to rental properties- $500 Misc.- $1000 These are estimates, as sometimes we have larger repairs for the properties, or my wife gets a tuition-free quarter if there is a TA opportunity, but it gives a sense. (Mar-20-2010)
Q: Can you explain why Prosper dropped you to a C level risk and then back to AA ? - sharp-credit
A: I have no idea. I haven't had any credit issues that I've had to resolve, and my bank card utilization has been consistent... I really don't know how they calculate the risk profiles... (Mar-22-2010)
7 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
saahilld$25.00$25.003/17/2010 10:00:12 AM
dloan$25.00$25.003/17/2010 10:03:24 AM
suburbanman64$27.54$27.543/17/2010 10:05:42 AM
fiscal65$25.00$25.003/17/2010 10:21:14 AM
Rattlehead$250.00$250.003/17/2010 10:21:17 AM
availableloan$25.00$25.003/17/2010 10:21:47 AM
the-auction-lotus$25.00$25.003/17/2010 10:34:45 AM
calkidd05$25.00$25.003/17/2010 10:52:14 AM
trade-elm$25.00$25.003/17/2010 11:17:51 AM
BankerJohn$50.00$50.003/17/2010 6:47:36 PM
FinDoc$25.00$25.003/17/2010 9:07:25 PM
Guiren$100.00$100.003/17/2010 11:17:29 PM
Zipperdu$50.00$50.003/18/2010 9:17:53 AM
FjLenders$50.03$50.033/18/2010 8:47:21 AM
spencer14883$25.00$25.003/18/2010 4:21:17 PM
dynrep$25.00$25.003/18/2010 4:42:05 PM
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MrPie$49.89$49.893/19/2010 3:22:32 AM
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Gold_Coin$25.00$25.003/19/2010 1:23:54 PM
spiff666$25.00$25.003/19/2010 6:05:20 PM
bold-dynamic-silver$25.00$25.003/19/2010 10:16:27 PM
GreenHill$37.19$37.193/19/2010 11:44:03 PM
Dollars4Rent$25.00$25.003/20/2010 2:00:21 PM
twerns$40.00$40.003/20/2010 2:17:51 PM
bjazz$80.00$80.003/20/2010 6:10:22 PM
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nimcha$50.00$50.003/22/2010 9:37:37 AM
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FinanceEngine$25.00$25.003/22/2010 5:07:54 PM
iruz$100.00$100.003/22/2010 5:24:56 PM
wphmd$25.00$25.003/22/2010 5:21:47 PM
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leverage-monger$25.00$25.003/23/2010 3:11:34 PM
LEBO$25.00$25.003/23/2010 4:43:11 PM
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qkinger$50.00$50.003/23/2010 5:49:10 PM
hidavehi$65.00$65.003/23/2010 7:04:09 PM
Zachilles$51.45$51.453/23/2010 7:04:49 PM
dorypro$50.00$50.003/23/2010 5:50:30 PM
tomjac2000$25.00$25.003/23/2010 6:00:15 PM
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flshdaskll$25.00$25.003/23/2010 7:17:40 PM
Spiv_51$50.00$50.003/24/2010 1:37:24 AM
manny00$27.00$27.003/23/2010 8:49:41 PM
NekHoldings$25.00$25.003/24/2010 5:29:02 AM
usd1027$25.00$25.003/24/2010 12:23:39 AM
thrilling-nickel5$25.00$25.003/24/2010 6:42:32 AM
Spinnaker$50.00$50.003/24/2010 9:17:54 AM
dynrep$75.00$75.003/24/2010 6:27:08 AM
exciting-fairness$200.00$200.003/24/2010 9:27:59 AM
dynrep$50.00$50.003/24/2010 9:07:47 AM
averagefore$50.00$50.003/24/2010 9:34:24 AM
rajs$203.84$203.843/24/2010 9:49:08 AM
FOFagent1$125.00$125.003/24/2010 9:55:06 AM
Pilot12$25.00$25.003/24/2010 9:55:59 AM
djber$40.00$40.003/24/2010 9:54:07 AM
g4nz0$30.00$30.003/24/2010 9:47:20 AM
rajs$122.17$122.173/24/2010 9:55:54 AM
broker558$25.00$25.003/24/2010 9:52:52 AM
crw1950$50.00$50.003/24/2010 9:55:11 AM
179 bids
 
Borrower Payment Dependent Notes Series 450666
This series of Notes was issued and sold upon the funding of the borrower loan #41578, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $324.46
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $323.61
 
Auction yield range: 4.04% - 9.38% 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: Jun-2001 Debt/Income ratio: 9%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:3y 9m
Credit score: 780-799 (Feb-2010) Total credit lines: 13 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $210Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: jaey226 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 19 ( 100% ) 780-799 (Latest)
Principal borrowed: $27,100.00< mo. late: 0 ( 0% )  
740-759 (May-2008)
700-719 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Paying off debt
Purpose of loan: This loan is to help me repay non-credit card debts faster.

My financial situation: I am currently employed for full time position at an engineering firm. My monthly income pre-tax is $5870. I am not married, and have no kids.

My monthly budget: Mortgage/rent: $ 1100
Insurance: $ 0
Car expenses: $ 0 - still don't own a car
Utilities: $ 100
Phone, cable, internet: $ 110
Food, entertainment: $ 280
Clothing, household expenses $ 100
Credit cards and other loan payments: $ 100
Other expenses: $ 300
---------------------------------------
Total monthly expenses: $ 2190
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Clambake$50.00$50.003/17/2010 4:04:55 PM
inspired-contract9$25.00$25.003/17/2010 4:05:38 PM
chestnut4$25.00$25.003/17/2010 4:07:20 PM
availableloan$25.00$25.003/17/2010 4:05:40 PM
flexible-value$26.00$26.003/17/2010 4:06:11 PM
successful-euro$50.00$50.003/17/2010 4:06:14 PM
ddog0224$25.00$25.003/17/2010 4:07:46 PM
torion$25.00$25.003/17/2010 4:05:02 PM
Avala$50.00$50.003/17/2010 4:05:08 PM
personal-lender$25.00$25.003/17/2010 4:05:16 PM
delicious-social132$25.00$25.003/17/2010 4:05:22 PM
selector568$300.00$300.003/17/2010 6:39:27 PM
Cheburashka$25.00$25.003/17/2010 7:33:56 PM
analogman$25.00$25.003/17/2010 9:42:17 PM
nbhz60a$25.00$25.003/17/2010 8:47:23 PM
thestartuplender$35.00$35.003/17/2010 9:22:48 PM
figs4u2$50.00$50.003/18/2010 12:42:32 AM
sharp-bill2$40.00$40.003/17/2010 11:38:25 PM
Streetfighter$50.00$50.003/18/2010 8:02:40 AM
rate-gravity$100.00$100.003/18/2010 6:48:28 AM
unforgettable-order9$100.00$100.003/18/2010 8:02:39 AM
JedClampett$75.00$75.003/18/2010 9:01:29 AM
HHP$25.00$25.003/18/2010 8:44:32 AM
dbanwart$50.00$50.003/18/2010 7:29:02 AM
happy-asset$25.00$25.003/18/2010 8:02:40 AM
sumac5$150.00$150.003/18/2010 9:33:05 AM
Red_b17$25.00$25.003/18/2010 9:36:21 AM
payogie$25.00$25.003/18/2010 9:36:14 AM
zento$25.00$25.003/18/2010 10:32:39 AM
desertoasis$50.00$50.003/18/2010 10:07:38 AM
supreme-hope$25.00$25.003/18/2010 11:34:34 AM
KandKLegacyInvestments$25.00$25.003/18/2010 12:18:37 PM
bchen78875$25.00$25.003/18/2010 1:25:50 PM
BuffetRocks$50.00$50.003/18/2010 3:26:26 PM
slartibardfast$25.00$25.003/18/2010 3:58:38 PM
success1001$50.00$50.003/18/2010 2:34:34 PM
lloyd_s$25.00$25.003/18/2010 3:26:21 PM
thunderd$25.00$25.003/18/2010 3:59:28 PM
thehelpforum$25.00$25.003/18/2010 4:20:12 PM
kanakakm$25.00$25.003/18/2010 6:03:30 PM
a-finance-nirvana$25.00$25.003/18/2010 4:56:36 PM
MissionMicroFinance$25.00$25.003/18/2010 8:27:27 PM
aganippe$50.00$50.003/18/2010 9:35:36 PM
SanCarlos$100.00$100.003/19/2010 6:22:21 AM
averagefore$25.00$25.003/19/2010 9:48:51 AM
cathexis$25.00$25.003/19/2010 11:41:41 AM
inspiring-reward$60.00$60.003/19/2010 11:23:56 AM
time4aloan$42.43$42.433/19/2010 12:52:14 PM
GElender$50.00$50.003/19/2010 12:59:59 PM
the-profit-oracle$25.00$25.003/19/2010 1:00:45 PM
jstnow$25.00$25.003/19/2010 1:28:10 PM
gulch$25.00$25.003/19/2010 7:42:34 PM
aurorafinancial$50.00$50.003/20/2010 7:58:01 AM
bank-examiner$25.00$25.003/20/2010 9:24:37 AM
auction-elvis$25.00$25.003/20/2010 11:12:54 AM
RandyL3$33.00$33.003/21/2010 6:37:20 AM
the-bright-velocity$25.00$25.003/21/2010 7:12:26 AM
skuba$25.00$25.003/21/2010 7:11:13 AM
frobin$25.00$25.003/21/2010 8:04:30 AM
harmonious-revenue7$50.00$50.003/21/2010 5:52:21 PM
bonus-patriot$25.00$25.003/22/2010 4:00:31 AM
TCR3$25.00$25.003/21/2010 9:12:27 PM
awm$25.00$25.003/22/2010 4:07:24 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:26 AM
hrubinst$25.00$25.003/22/2010 9:43:23 AM
Microfinancer$25.00$25.003/22/2010 9:25:07 AM
demoseal$25.00$25.003/22/2010 9:33:47 AM
Musicman1950$25.00$25.003/22/2010 10:23:22 AM
chicco$56.00$56.003/22/2010 10:11:54 AM
akahoss$25.00$25.003/22/2010 10:29:25 AM
victorcab$35.00$35.003/22/2010 10:18:54 AM
pawnshopman$25.00$25.003/22/2010 10:28:40 AM
1phantom$25.00$25.003/22/2010 10:57:09 AM
Havana21$50.00$50.003/22/2010 10:57:22 AM
mgoehring$100.00$100.003/22/2010 10:58:20 AM
ciccio70$25.00$25.003/22/2010 10:58:34 AM
calilending$25.00$25.003/22/2010 10:49:48 AM
LandE2BG$25.00$25.003/22/2010 10:52:20 AM
lend_to_you$25.00$25.003/22/2010 11:08:51 AM
Banker7371$25.00$25.003/22/2010 10:57:24 AM
reinforced-deal8$50.00$50.003/22/2010 10:57:52 AM
top-silver-american$25.00$25.003/22/2010 10:57:14 AM
helping-out$25.00$25.003/22/2010 10:57:31 AM
mommyhelper$25.00$25.003/22/2010 11:16:03 AM
market-atlantis$25.00$25.003/22/2010 11:29:14 AM
jamiee73$25.00$25.003/22/2010 11:28:34 AM
debt-system880$25.00$25.003/22/2010 11:29:19 AM
PCash$25.00$25.003/22/2010 11:57:19 AM
jd006006$30.53$30.533/22/2010 12:07:06 PM
Gladglide$32.30$32.303/22/2010 12:15:02 PM
mightymousemom$25.00$25.003/22/2010 12:15:12 PM
wampum-cocktail$25.00$25.003/22/2010 12:28:20 PM
tennispt$25.00$25.003/22/2010 12:42:34 PM
oldguybiker$25.00$25.003/22/2010 12:42:42 PM
hss46$25.00$25.003/22/2010 12:40:05 PM
Unclejohn$35.00$35.003/22/2010 12:37:47 PM
ijspence$25.00$25.003/22/2010 12:42:32 PM
tuffshorty$25.00$25.003/22/2010 1:28:37 PM
funds-enlightenment4$25.00$25.003/22/2010 2:37:37 PM
Dglue2gether$25.00$25.003/22/2010 3:05:15 PM
Speculator$25.00$25.003/22/2010 3:22:41 PM
BristolEnterprises$25.00$25.003/22/2010 6:32:22 PM
Kelor99$25.00$25.003/22/2010 6:48:30 PM
Mostyle$25.00$25.003/23/2010 12:18:53 AM
Ripsaw4U$25.00$25.003/23/2010 2:53:17 AM
rhightower003$25.00$25.003/23/2010 9:33:34 AM
maintenanceboss$25.00$25.003/23/2010 9:24:26 AM
Panna$25.00$25.003/23/2010 9:33:42 AM
bondhedger$25.00$25.003/23/2010 10:33:57 AM
loanman2007$75.00$75.003/23/2010 12:43:19 PM
lepolgr$50.00$50.003/23/2010 11:56:40 AM
Marathoner$25.00$25.003/23/2010 1:24:23 PM
gpuck$25.00$25.003/23/2010 4:00:47 PM
incbx$25.00$25.003/23/2010 4:12:56 PM
pinballeffect$36.35$36.353/23/2010 9:27:04 PM
visionary-currency$75.00$75.003/24/2010 12:34:13 AM
diversification-medalist$25.00$25.003/23/2010 11:48:04 PM
mitcha1$25.00$25.003/24/2010 9:29:28 AM
strutter$25.00$25.003/24/2010 10:06:43 AM
NYCLAIMSGUY$25.00$25.003/24/2010 10:22:55 AM
LittleMingo$25.00$25.003/24/2010 10:32:44 AM
gustavholstopus32$25.00$25.003/24/2010 10:44:54 AM
bamboozled_again$162.29$162.293/24/2010 11:19:54 AM
BlindSquirrel$25.00$25.003/24/2010 11:47:18 AM
OoM$25.00$25.003/24/2010 11:56:58 AM
wwwUniversal$25.00$25.003/24/2010 11:48:22 AM
Montgomery-Burns$25.00$25.003/24/2010 11:51:16 AM
ujiba$25.00$25.003/24/2010 11:51:49 AM
Winger$100.00$100.003/24/2010 12:18:56 PM
Veiglcc$25.00$25.003/24/2010 12:46:37 PM
jybank$25.00$25.003/24/2010 12:52:11 PM
enthusiastic-balance5$100.00$100.003/24/2010 1:46:24 PM
mistering$50.00$50.003/24/2010 3:58:34 PM
icon7$50.00$50.003/24/2010 3:57:40 PM
lender987654321$30.00$30.003/17/2010 4:02:14 PM
fightinjoe$25.00$25.003/17/2010 4:05:33 PM
scrappy-bonus2$25.00$25.003/17/2010 4:06:43 PM
important-ore$50.00$50.003/17/2010 4:06:56 PM
jwood3030$25.00$25.003/17/2010 4:07:16 PM
bonus-adventure3$25.00$25.003/17/2010 4:05:42 PM
AF-Chief$28.00$28.003/17/2010 4:06:39 PM
HedgeFund$40.00$40.003/17/2010 4:07:29 PM
egw$25.00$25.003/17/2010 4:04:47 PM
integrity-doctor$50.00$50.003/17/2010 4:06:28 PM
rapid-credit428$25.00$25.003/17/2010 4:07:55 PM
dingus$25.00$25.003/17/2010 6:10:33 PM
hampa$25.00$25.003/17/2010 7:17:52 PM
heng2x$25.00$25.003/18/2010 2:14:43 AM
teller$25.00$25.003/18/2010 3:02:32 AM
SpadeMike$50.00$50.003/18/2010 4:07:25 AM
tenacious-compassion9$25.00$25.003/18/2010 6:48:34 AM
mg6619$25.00$25.003/18/2010 6:48:41 AM
restless-currency$27.90$27.903/18/2010 6:48:39 AM
fcukciti$50.00$50.003/18/2010 6:52:36 AM
macjp123$25.00$25.003/18/2010 8:02:42 AM
marilyn7$25.00$25.003/18/2010 8:12:25 AM
jaynlana$25.00$25.003/18/2010 9:33:46 AM
redx$25.00$25.003/18/2010 9:23:17 AM
intelligent-yield$25.00$25.003/18/2010 9:48:17 AM
producer553$25.00$25.003/18/2010 9:36:02 AM
empire9$25.00$25.003/18/2010 1:50:07 PM
Aimvest$25.00$25.003/18/2010 3:07:33 PM
orange-preeminant-bill$70.60$70.603/18/2010 3:07:28 PM
dsfoundation$25.00$25.003/18/2010 3:58:43 PM
JohnGalt94$25.00$25.003/18/2010 3:32:55 PM
studious-bonus7$29.85$29.853/18/2010 3:33:01 PM
bowdish1$100.00$100.003/18/2010 2:48:57 PM
Phantom99$25.00$25.003/18/2010 3:59:22 PM
investment-oasis$25.00$25.003/18/2010 3:59:39 PM
aasx1108$25.00$25.003/18/2010 6:37:53 PM
kmr2$25.00$25.003/18/2010 8:24:26 PM
shrewd-peace7$25.00$25.003/18/2010 8:47:19 PM
Rivervale_Westwood$25.00$25.003/19/2010 6:19:03 AM
don8ter$25.00$25.003/19/2010 7:47:35 AM
asset-professor$25.00$25.003/19/2010 7:52:25 AM
engrossing-commerce$25.00$25.003/19/2010 9:33:51 AM
KeyS80$50.00$50.003/19/2010 12:21:04 PM
exchange-fountain$25.00$25.003/19/2010 1:00:26 PM
dynamic-rupee$25.00$25.003/19/2010 1:53:58 PM
Binan$25.00$25.003/20/2010 4:47:02 AM
currency-shaker16$100.00$100.003/20/2010 8:58:02 AM
dontscrewmeover1$50.00$50.003/20/2010 8:56:15 AM
Tahoeguy$50.00$50.003/20/2010 11:32:18 AM
gnuey$25.00$25.003/20/2010 2:17:27 PM
commitment-farm$25.00$25.003/20/2010 4:17:24 PM
progressive-asset$25.00$25.003/21/2010 6:22:25 AM
aldenrains$25.00$25.003/21/2010 7:54:29 AM
integrity-broker$25.00$25.003/21/2010 8:04:28 AM
rescue$250.00$250.003/21/2010 7:48:41 AM
Casper00$25.00$25.003/21/2010 7:54:21 AM
gavinsp$25.00$25.003/21/2010 9:45:57 AM
responsibility-mulberry$25.00$25.003/21/2010 2:52:18 PM
first-upright-payout$25.00$25.003/21/2010 3:27:16 PM
greenback-mover704$50.00$50.003/21/2010 6:07:25 PM
platinum-platoon$25.00$25.003/22/2010 8:04:15 AM
Lender0010$50.00$50.003/22/2010 7:07:21 AM
dollar-birdie$25.00$25.003/22/2010 9:25:24 AM
phredd$34.76$34.763/22/2010 7:37:18 AM
RetiredATC$25.00$25.003/22/2010 9:25:26 AM
versatile-platinum4$25.00$25.003/22/2010 9:32:44 AM
gecko68$25.00$25.003/22/2010 10:03:51 AM
NR$25.00$25.003/22/2010 10:49:17 AM
nletunic$25.00$25.003/22/2010 10:22:57 AM
lendme2$37.65$37.653/22/2010 10:52:16 AM
treasure-bliss$38.31$38.313/22/2010 10:56:24 AM
ronow22$25.00$25.003/22/2010 10:29:10 AM
bold-durability-drum$25.00$25.003/22/2010 10:57:17 AM
tsui517$25.00$25.003/22/2010 10:51:34 AM
melodious-fairness$25.00$25.003/22/2010 10:56:17 AM
goodken$25.00$25.003/22/2010 10:58:05 AM
responsible-investment0$50.00$50.003/22/2010 10:58:51 AM
DDHMoney$25.00$25.003/22/2010 11:08:31 AM
Eric15378$68.00$68.003/22/2010 11:11:16 AM
Skyminor$40.00$40.003/22/2010 11:15:46 AM
350DGRZ$25.00$25.003/22/2010 11:16:17 AM
brightest-asset-healer$25.00$25.003/22/2010 11:28:43 AM
BigMoney56$25.00$25.003/22/2010 11:27:31 AM
first-fund-empenada$25.00$25.003/22/2010 11:41:43 AM
HarleyBoy$25.00$25.003/22/2010 12:07:37 PM
treasure-ace$25.00$25.003/22/2010 12:33:20 PM
treasure-transporter$25.00$25.003/22/2010 12:39:57 PM
792FICO$25.00$25.003/22/2010 12:33:50 PM
FmrEngr2Phd$25.00$25.003/22/2010 12:42:31 PM
CarDealer3070$25.00$25.003/22/2010 1:57:30 PM
BeemerRider$25.00$25.003/22/2010 1:29:56 PM
bountiful-bazaar$25.00$25.003/22/2010 1:44:20 PM
Citytrustbankerguy$25.00$25.003/22/2010 2:18:06 PM
a-social-nebula$25.00$25.003/22/2010 2:42:43 PM
loan-master996$43.55$43.553/22/2010 3:48:58 PM
jokerj006$25.00$25.003/22/2010 4:13:46 PM
mikeandcat$50.00$50.003/22/2010 5:33:12 PM
irrelevant$25.00$25.003/22/2010 5:36:05 PM
fair_rates$25.00$25.003/22/2010 6:19:04 PM
micko$25.00$25.003/22/2010 5:35:52 PM
thrilling-nickel5$25.00$25.003/22/2010 5:50:04 PM
mattblizz$25.00$25.003/22/2010 7:24:26 PM
goodbob$25.00$25.003/22/2010 9:07:32 PM
Dollars4Rent$25.00$25.003/22/2010 8:29:55 PM
anacho4me$25.00$25.003/23/2010 4:37:47 AM
wacko82$25.00$25.003/23/2010 8:52:41 AM
ferdberfel$50.00$50.003/23/2010 3:22:44 AM
r0b3m4n$25.00$25.003/23/2010 9:33:55 AM
kmwvma$25.00$25.003/23/2010 9:35:40 AM
economy-producer$25.00$25.003/23/2010 9:33:18 AM
Supernick$50.00$50.003/23/2010 11:01:16 AM
brazilofmux$57.39$57.393/23/2010 10:27:55 AM
blackberry9$25.00$25.003/23/2010 12:05:48 PM
gothampark$25.00$25.003/23/2010 9:10:55 PM
the-silver-blaster$50.00$50.003/23/2010 7:44:37 PM
mmckune$25.00$25.003/24/2010 12:34:12 AM
honorable-yield$50.00$12.823/24/2010 12:35:11 AM
JerryB96$25.00$25.003/24/2010 5:24:27 AM
dma1206$25.00$25.003/24/2010 9:41:09 AM
nolahelper$30.00$30.003/24/2010 10:38:40 AM
market-jam$36.52$36.523/24/2010 11:01:54 AM
agab$25.00$25.003/24/2010 11:12:40 AM
WillingToHelpOut$25.00$25.003/24/2010 11:14:10 AM
integrity-builder$100.00$100.003/24/2010 11:06:14 AM
reflective-rupee$100.00$100.003/24/2010 11:12:38 AM
Damostuff$25.00$25.003/24/2010 11:14:18 AM
trade-elm$100.00$100.003/24/2010 11:44:19 AM
usedtoborrow$100.00$100.003/24/2010 11:52:33 AM
EmeritusX$25.00$25.003/24/2010 11:54:01 AM
newiowa77$25.00$25.003/24/2010 12:01:53 PM
bankojerry$25.00$25.003/24/2010 1:18:14 PM
gemoscar$50.00$50.003/24/2010 1:34:41 PM
orbital-gain$50.00$50.003/24/2010 1:22:24 PM
webfeet$50.00$50.003/24/2010 2:18:41 PM
friendinmoney$50.00$50.003/24/2010 3:05:55 PM
harmonious-greenback$100.75$100.753/24/2010 3:29:50 PM
yield-quest$75.00$75.003/24/2010 2:54:16 PM
271 bids
 
Borrower Payment Dependent Notes Series 450696
This series of Notes was issued and sold upon the funding of the borrower loan #41483, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 24.55% Starting borrower rate/APR: 25.55% / 27.86% Starting monthly payment: $300.38
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 27.31% Final monthly payment: $298.20
 
Auction yield range: 11.04% - 24.55% Estimated loss impact: 10.59%  
Lender servicing fee: 1.00% Estimated return: 13.41%  
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: 17%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 12Length of status:2y 7m
Credit score: 640-659 (Mar-2010) Total credit lines: 16 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $9,777Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: lowbatteries Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
540-559 (Feb-2008)
 
Principal balance: $348.43 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Credit cards have got to go!
Purpose of loan:
This loan is so we can get rid of most of our high interest credit card debt.

Our financial situation:
We've managed to bring our credit rating up from being "high risk" two years ago to "average" today, by faithfully paying down our cards and closing them. While this has been working and we've been meeting all our goals, we can't stand the fact that all our rates just jumped 5-10% higher because of the current economic climate. We're on track to pay all our credit card debt off in 20 months, but that will still cost us almost $2500 in interest.

With this loan we plan to pay off and close my two highest interest cards at a total of $7500, with a 29% interest rate. We'll save between $800-$1200, and improve my credit score more quickly while we're at it.

Currently we are paying $800 a month to my credit card debt (well above the minimum payments).

Monthly net income: $3050
I get paid the 1st and 15th of each month, $1527 per paycheck.

Monthly expenses: $2405
Housing: $495 (rent)
Insurance: $120
Car expenses: $120 (insurance and gas, we own our car)
Utilities: $70
Phone, cable, internet: $100 (two cell phones & internet)
Food, entertainment: $300
Clothing, household expenses $150
Credit cards and other loans: $1050 ($800 for credit cards, $250 for student loans).

Luckily we live in Idaho, where the cost of living is quite low. As you can see, my debt is by far our biggest expense!
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: Evenin' folks-Read your page, two questions: (1) did you in fact get married? (2) Does Janny work outside the home? .... best of luck to you folks! - Delta-Kilo-7K
A: Yes, happily married for 2 years now. Janny is a full-time student, so at the moment my income is the only one listed (though both our expenses are listed). Thanks! (Mar-24-2010)
Q: Whoops! Forgot to congratulate you on your 80 point credit score improvement! Well done! - Delta-Kilo-7K
A: Thanks! It's very satisfying to watch my score improve. Hopefully this loan will allow me to get rid of my revolving credit and make it jump even higher. (Mar-24-2010)
Q: Suggest that you do not close the credit cards but only use them once every 6 months and PAY THEM OFF EACH MONTH. A big part of your credit score is what percent of your credit limit you have used. - velocity-winner
A: I've received this suggestion from several lenders so I thought I'd address it out in the open - listing should have been called "SOME Credit cards have to go!". I am paying off all my cards but only closing the two worst ones (recently jacked up to 29%), simply because I have so many open cards - I've had "number of open accounts" cited as a reason for denial of credit before. Thanks! (Mar-26-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
JustMee$25.00$25.003/19/2010 6:54:38 PM
Bob450$25.00$25.003/19/2010 8:01:31 PM
jitterbugqueen$50.00$50.003/20/2010 4:05:54 PM
JeffHoll$50.00$50.003/22/2010 10:34:30 AM
helpneachother$25.00$25.003/22/2010 4:41:21 PM
ptjg$50.00$50.003/22/2010 6:18:05 PM
DebDesert$25.00$25.003/23/2010 2:26:36 PM
compassion-bauble4$25.00$25.003/24/2010 4:49:13 PM
DasMula$1,000.00$1,000.003/24/2010 8:35:58 PM
wonder3$25.00$25.003/25/2010 6:09:16 AM
Rainbowbrt56$50.00$50.003/25/2010 6:25:05 AM
mercuriant$25.00$25.003/25/2010 8:52:59 AM
tekstyle38$50.00$50.003/25/2010 10:08:59 AM
carrinel$75.00$75.003/25/2010 5:09:08 PM
SolarMoonshine$25.00$25.003/25/2010 5:39:28 PM
marinbb$75.00$75.003/25/2010 5:48:48 PM
ptjg$25.00$25.003/25/2010 8:12:56 PM
reflective-rupee$25.00$25.003/26/2010 12:01:47 AM
MoneyForNothing$25.00$25.003/26/2010 1:45:15 AM
BigBizBuilder$150.00$150.003/25/2010 9:40:01 PM
usedtoborrow$34.30$34.303/26/2010 5:06:32 AM
Aberdeen$350.00$350.003/26/2010 5:08:32 AM
Leshan$100.00$100.003/26/2010 8:46:15 AM
coldfuzion$75.00$75.003/26/2010 9:44:38 AM
btormc5$50.00$50.003/26/2010 10:14:09 AM
wealth-pipeline$25.00$25.003/26/2010 8:25:48 AM
reflective-rupee$300.00$300.003/26/2010 9:29:14 AM
hektek22$25.00$25.003/26/2010 9:32:05 AM
trevize$25.00$25.003/26/2010 9:37:58 AM
vigilance-searcher$25.00$25.003/26/2010 11:58:09 AM
ultimate-peace$100.00$100.003/26/2010 10:06:06 AM
dcm6276$25.00$25.003/26/2010 10:16:58 AM
padewy$25.00$25.003/26/2010 11:04:47 AM
johnpmid$25.00$25.003/26/2010 1:08:22 PM
113121$50.00$50.003/26/2010 12:53:43 PM
oreyedoc$25.00$25.003/26/2010 1:07:53 PM
BrighterSuns$30.56$30.563/26/2010 1:18:06 PM
YoungTaxMan$250.00$101.093/26/2010 2:47:47 PM
Gaelicman$75.00$75.003/26/2010 3:03:57 PM
reflective-rupee$425.00$425.003/26/2010 3:23:22 PM
Astyanax$25.00$25.003/26/2010 1:49:26 PM
worthy-bid4$25.00$25.003/26/2010 2:28:14 PM
Been_There_Owed_That$100.00$100.003/26/2010 12:59:47 PM
FDNYkevin$75.00$75.003/26/2010 3:24:01 PM
charming-point$300.00$300.003/26/2010 3:26:53 PM
piter-to-la-investment$50.00$50.003/26/2010 3:44:58 PM
foothillender$25.00$25.003/21/2010 6:46:08 AM
BenOrt$25.00$25.003/23/2010 7:57:44 AM
debtcollector$50.00$50.003/24/2010 10:59:14 PM
best-listing-toro$25.00$25.003/25/2010 6:03:09 AM
exchange-cowbell5$25.00$25.003/24/2010 10:47:58 PM
groovychick$25.00$25.003/25/2010 8:56:34 AM
new-gold-innovator$119.15$119.153/25/2010 3:18:08 PM
PXM-Financial$40.00$40.003/25/2010 4:07:36 PM
revenue-channel8$100.00$100.003/25/2010 4:38:19 PM
jhouman$25.00$25.003/25/2010 4:39:56 PM
vivacious-p2p3$25.00$25.003/25/2010 5:26:27 PM
brother_tam$200.00$200.003/25/2010 5:15:26 PM
113121$100.00$100.003/26/2010 6:53:28 AM
SlickNick$25.00$25.003/26/2010 4:59:09 AM
finance-prescription$1,000.00$1,000.003/26/2010 6:24:34 AM
113121$100.00$100.003/26/2010 6:51:39 AM
E-B$50.00$50.003/26/2010 3:32:40 AM
velocity-winner$25.00$25.003/26/2010 9:01:35 AM
whatreality$36.82$36.823/26/2010 9:05:48 AM
felicity-daydream$50.00$50.003/26/2010 8:06:29 AM
macotra4$36.00$36.003/26/2010 8:20:47 AM
113121$100.00$100.003/26/2010 6:53:09 AM
Kash2010lu$35.00$35.003/26/2010 8:40:57 AM
Zachilles$40.00$40.003/26/2010 8:45:33 AM
OGS_Capital$25.00$25.003/26/2010 8:26:33 AM
loan-fate$25.00$25.003/26/2010 10:32:26 AM
Your_Bank$25.00$25.003/26/2010 10:34:57 AM
Your_Bank$25.88$25.883/26/2010 10:36:19 AM
Bob450$50.00$50.003/26/2010 8:53:44 AM
new-truth-chuckler$34.39$34.393/26/2010 10:18:52 AM
grnii78$150.00$150.003/26/2010 11:47:16 AM
LarWit1512$25.00$25.003/26/2010 10:54:23 AM
DackoDenk$25.00$25.003/26/2010 12:29:52 PM
fair-payment4$25.00$25.003/26/2010 12:42:52 PM
vulgy$100.00$100.003/26/2010 12:24:07 PM
friendinmoney$25.00$25.003/26/2010 1:08:38 PM
Astyanax$25.00$25.003/26/2010 1:49:40 PM
grnii78$150.00$150.003/26/2010 11:47:32 AM
lyrisnox$30.00$30.003/26/2010 12:13:12 PM
lend42013$25.00$25.003/26/2010 12:34:53 PM
Astyanax$25.00$25.003/26/2010 1:49:07 PM
credit-coach118$35.00$35.003/26/2010 3:50:01 PM
Rulea72$26.81$26.813/26/2010 3:11:03 PM
Smallbear$25.00$25.003/26/2010 1:30:59 PM
clipper271$25.00$25.003/26/2010 1:59:20 PM
knight3136$25.00$25.003/26/2010 3:03:32 PM
92 bids
 
Borrower Payment Dependent Notes Series 450898
This series of Notes was issued and sold upon the funding of the borrower loan #41486, 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:  Mar-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 31.00% Starting borrower rate/APR: 32.00% / 34.41% Starting monthly payment: $435.54
Final lender yield: 13.85% Final borrower rate/APR: 14.85% / 17.02% Final monthly payment: $345.92
 
Auction yield range: 6.04% - 31.00% 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: Jul-1992 Debt/Income ratio: 16%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 6Length of status:20y 0m
Credit score: 740-759 (Mar-2010) Total credit lines: 21 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $40,136Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: invincible-principal Borrower's state: SouthDakota 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
financial responsibility
Purpose of loan:
I recently have been able to move into the home I have dreamt about for many years.? It is a 1920's bungalow near a well-known park in my town.? It's nothing fancy as bungalows are quite small and plain, but it is lovely.? This purchase has caused me to take a good look at my financial situation and make an intelligent plan.? I have credit card debt and wish to pay it off with a fixed rate loan.? This way, I know what my monthly payment will be and I will be out of credit card debt as I know this type of debt is not intelligent.? I want to be a good example to my kids of financial responsibility.?

My financial situation:
I am a good candidate for this loan because I have lived in the same city and had the same job for many years.? I have a steady income and and great credit score.? I have a goal and I am a goal-oriented person.? I will acheive this!? Thanks.?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Monthly income/expenses? Credit card debts/interest rates? - Trakissta
A: My monthly income is $4585. My credit card debt is $15000 and interest rate is 22.99%. (Mar-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
torion$25.00$25.003/17/2010 4:05:00 PM
delicious-social132$25.00$25.003/17/2010 4:05:20 PM
mg6619$25.00$25.003/17/2010 4:05:26 PM
flexible-value$26.00$26.003/17/2010 4:06:12 PM
Avala$50.00$50.003/17/2010 4:05:07 PM
personal-lender$25.00$25.003/17/2010 4:05:17 PM
fightinjoe$25.00$25.003/17/2010 4:05:32 PM
inspired-contract9$25.00$25.003/17/2010 4:05:37 PM
tenacious-compassion9$25.00$25.003/17/2010 4:06:20 PM
scrappy-bonus2$25.00$25.003/17/2010 4:06:42 PM
chestnut4$25.00$25.003/17/2010 4:07:19 PM
Clambake$50.00$50.003/17/2010 4:04:57 PM
successful-euro$50.00$50.003/17/2010 4:06:13 PM
durability-halibut$25.00$25.003/17/2010 4:38:01 PM
important-ore$50.00$50.003/17/2010 4:06:54 PM
awwaww$25.00$25.003/17/2010 6:09:36 PM
Cheburashka$25.00$25.003/17/2010 6:11:17 PM
rakstar$25.00$25.003/17/2010 6:09:31 PM
moola-man$30.00$30.003/17/2010 6:09:34 PM
JohnGalt94$25.00$25.003/17/2010 6:40:08 PM
Katburg$32.51$32.513/17/2010 6:47:39 PM
HunterSix$25.00$25.003/17/2010 6:39:42 PM
SDNLR$25.00$25.003/17/2010 6:09:20 PM
dollar-birdie$25.00$25.003/17/2010 6:09:35 PM
Phantom99$25.00$25.003/17/2010 6:11:00 PM
lloyd_s$25.00$25.003/17/2010 6:11:04 PM
ml13$25.00$25.003/17/2010 7:22:14 PM
fopaul13$25.00$25.003/17/2010 8:07:23 PM
jammers$25.00$25.003/17/2010 8:07:33 PM
onlyastepaway$25.00$25.003/17/2010 7:12:21 PM
leodaguy$25.00$25.003/17/2010 7:27:21 PM
tsui517$25.00$25.003/17/2010 8:22:28 PM
resource777$25.00$25.003/17/2010 6:40:31 PM
blissful-note7$25.00$25.003/17/2010 7:37:15 PM
Savings_EQ_Dignity$35.00$35.003/17/2010 7:42:37 PM
snoopey100$25.00$25.003/17/2010 7:42:46 PM
progressive-asset$31.32$31.323/17/2010 6:41:50 PM
thestartuplender$35.00$35.003/17/2010 9:22:46 PM
bowdish1$100.00$100.003/17/2010 6:54:06 PM
ccaxid57$25.00$25.003/17/2010 8:32:16 PM
asdf9876$25.00$25.003/17/2010 10:07:17 PM
investment-oasis$25.00$25.003/17/2010 10:42:45 PM
Usurious$25.00$25.003/17/2010 7:32:56 PM
basis-mammal$30.49$30.493/17/2010 11:12:35 PM
misterhobbs$25.00$25.003/17/2010 11:37:31 PM
sympathetic-asset$25.00$25.003/17/2010 9:27:16 PM
orbiter614$39.52$39.523/17/2010 11:38:09 PM
rock-turner$44.75$44.753/17/2010 11:38:23 PM
analogman$25.00$25.003/17/2010 9:42:15 PM
courteous-fund9$25.00$25.003/17/2010 7:58:06 PM
whfh99$25.00$25.003/17/2010 10:07:13 PM
SpadeMike$50.00$50.003/18/2010 4:07:19 AM
nbhz60a$25.00$25.003/17/2010 8:47:21 PM
ajst1$25.00$25.003/18/2010 5:09:15 AM
empire9$25.00$25.003/17/2010 11:37:35 PM
Northsider$25.00$25.003/17/2010 11:37:42 PM
benefit-squirrel$27.53$27.533/18/2010 5:42:19 AM
xrycac$25.00$25.003/17/2010 11:38:05 PM
jetfan11$40.00$40.003/17/2010 11:38:10 PM
bailey14$25.00$25.003/18/2010 6:07:22 AM
hitsman$38.52$38.523/17/2010 9:27:20 PM
wampum-chorus3$25.00$25.003/18/2010 6:47:37 AM
BuffetRocks$50.00$50.003/18/2010 6:47:39 AM
market-solstice2$25.00$25.003/18/2010 6:47:46 AM
credit-kahuna$100.00$100.003/18/2010 6:47:56 AM
a-finance-nirvana$25.00$25.003/18/2010 6:48:01 AM
a-goal-bill$25.00$25.003/18/2010 5:27:21 AM
silverloan$30.11$30.113/18/2010 5:48:04 AM
srgriff$25.00$25.003/17/2010 11:37:36 PM
unequaled-credit7$25.00$25.003/17/2010 11:38:02 PM
Adino$25.00$25.003/17/2010 11:38:04 PM
deal-pioneer1$25.00$25.003/17/2010 11:38:08 PM
CymruAmByth$25.00$25.003/17/2010 11:38:20 PM
happy-asset$25.00$25.003/18/2010 6:47:40 AM
Streetfighter$50.00$50.003/18/2010 6:47:43 AM
tallmon$25.00$25.003/18/2010 6:47:53 AM
desertoasis$25.00$25.003/18/2010 6:47:57 AM
siesta100$25.00$25.003/18/2010 6:48:06 AM
payogie$25.00$25.003/18/2010 8:32:11 AM
fcukciti$49.05$49.053/18/2010 5:13:42 AM
orange-preeminant-bill$100.00$100.003/18/2010 5:42:26 AM
bgood2016$25.00$25.003/18/2010 6:12:14 AM
tpq$25.00$25.003/18/2010 9:02:16 AM
marilyn7$25.00$25.003/18/2010 8:12:23 AM
inspired-finance$25.00$25.003/18/2010 6:47:42 AM
czar3$40.00$40.003/18/2010 6:47:50 AM
top-silver-american$25.00$25.003/18/2010 6:47:59 AM
zeraphm$25.00$25.003/18/2010 8:28:13 AM
GoSix$25.00$25.003/18/2010 8:37:19 AM
sumac5$150.00$150.003/18/2010 9:33:01 AM
auction-workhorse679$25.00$25.003/18/2010 9:33:33 AM
tripnosis$25.00$25.003/18/2010 9:17:29 AM
jdrez$25.00$25.003/18/2010 9:34:59 AM
bcg2004$25.00$25.003/18/2010 9:33:43 AM
investor421$25.00$25.003/18/2010 9:52:23 AM
buraky$25.00$25.003/18/2010 9:33:54 AM
direct-yield$25.00$25.003/18/2010 9:33:59 AM
top-commitment-champ$25.00$25.003/18/2010 9:34:06 AM
chief_wo$25.00$25.003/18/2010 11:18:43 AM
supreme-hope$25.00$25.003/18/2010 11:34:32 AM
redrock007$25.00$25.003/18/2010 9:43:31 AM
intelligent-yield$25.00$25.003/18/2010 9:48:14 AM
Digs$25.00$25.003/18/2010 11:52:26 AM
SastreMason$25.00$25.003/18/2010 11:58:24 AM
Prosp_Lender$47.70$47.703/18/2010 11:12:31 AM
IUnkn0wn$25.00$25.003/18/2010 11:27:54 AM
junctionking$25.00$25.003/18/2010 11:44:32 AM
Headhunter14$25.00$25.003/18/2010 11:52:32 AM
tokyopete23$25.00$25.003/18/2010 12:33:36 PM
Microfinancer$25.00$25.003/18/2010 12:11:04 PM
KandKLegacyInvestments$25.00$25.003/18/2010 12:18:27 PM
mattpet$25.00$25.003/18/2010 11:44:29 AM
fsa3$25.00$25.003/18/2010 1:17:23 PM
flopcat$25.00$25.003/18/2010 11:45:11 AM
rwelle$25.00$25.003/18/2010 1:23:54 PM
Lilred7879$31.00$31.003/18/2010 12:10:45 PM
ms48105$25.00$25.003/18/2010 1:42:54 PM
bright-investment$25.00$25.003/18/2010 12:17:48 PM
PocketAces$25.00$25.003/18/2010 12:33:51 PM
Aimvest$25.00$25.003/18/2010 1:35:03 PM
ClearLake$25.00$25.003/18/2010 12:45:17 PM
KVEER$25.00$25.003/18/2010 1:43:07 PM
Lightlife$44.54$44.543/18/2010 2:07:43 PM
jaequick99$25.00$25.003/18/2010 2:24:04 PM
studious-bonus7$33.53$33.533/18/2010 1:17:38 PM
alexstar$25.00$25.003/18/2010 1:33:55 PM
machis$25.00$25.003/18/2010 1:47:54 PM
Kulchar$50.00$25.053/18/2010 2:24:24 PM
twuck$55.00$55.003/20/2010 9:29:35 AM
sharp-credit$500.00$500.003/21/2010 7:56:13 AM
CommerciaLender$25.00$25.003/22/2010 8:19:51 AM
stockpiler079$25.00$25.003/22/2010 8:03:19 AM
the-profit-oracle$25.00$25.003/22/2010 1:11:33 PM
Occhy$50.00$50.003/22/2010 12:50:26 PM
nakane66$25.00$25.003/22/2010 3:39:51 PM
AM2008$25.00$25.003/22/2010 7:11:44 PM
julijask$35.00$35.003/23/2010 9:12:51 AM
jimmya$52.24$52.243/23/2010 1:14:07 PM
ttnk62918$25.00$25.003/24/2010 8:12:56 AM
mitcha1$25.00$25.003/24/2010 7:48:41 AM
rate-hickory$25.00$25.003/24/2010 8:45:25 AM
trade-elm$25.00$25.003/24/2010 10:33:33 AM
IceFisherman$45.10$45.103/24/2010 11:06:39 AM
ultimatepaintball$25.00$25.003/24/2010 11:01:33 AM
VBPlayer$30.00$30.003/24/2010 11:33:56 AM
trumpeter5$75.00$75.003/24/2010 12:23:59 PM
Veiglcc$25.00$25.003/24/2010 12:49:28 PM
mistering$50.00$50.003/24/2010 3:58:07 PM
Machbannai$36.79$36.793/24/2010 2:46:52 PM
harmonious-greenback$100.00$100.003/24/2010 3:18:22 PM
the-silver-blaster$40.00$40.003/17/2010 4:05:11 PM
integrity-doctor$50.00$50.003/17/2010 4:06:27 PM
rapid-credit428$25.00$25.003/17/2010 4:07:54 PM
sharp-bill2$40.00$40.003/17/2010 4:05:35 PM
bonus-adventure3$25.00$25.003/17/2010 4:05:40 PM
AF-Chief$28.00$28.003/17/2010 4:06:38 PM
currency-shaker16$100.00$100.003/17/2010 5:42:42 PM
HedgeFund$40.00$40.003/17/2010 4:07:28 PM
ddog0224$25.00$25.003/17/2010 4:07:45 PM
restless-currency$32.10$32.103/17/2010 4:22:46 PM
sharkm$35.00$35.003/17/2010 6:40:00 PM
heavensfx$25.00$25.003/17/2010 6:40:09 PM
producer553$25.00$25.003/17/2010 6:38:59 PM
jga516$25.00$25.003/17/2010 6:40:01 PM
kirkjerk$25.00$25.003/17/2010 6:09:27 PM
friendly-worth3$25.00$25.003/17/2010 6:40:37 PM
JGB$25.00$25.003/17/2010 6:41:34 PM
teller$25.00$25.003/17/2010 6:11:10 PM
neutrino6$25.00$25.003/17/2010 7:42:40 PM
rate-gravity$45.56$45.563/17/2010 6:18:12 PM
ghinga$30.00$30.003/17/2010 8:07:26 PM
Archchancellor$25.00$25.003/17/2010 7:33:07 PM
thunderd$25.00$25.003/17/2010 6:47:28 PM
figs4u2$34.18$34.183/17/2010 9:38:31 PM
piter-to-la-investment$25.00$25.003/17/2010 8:22:31 PM
bkwest01$34.43$34.433/17/2010 7:02:37 PM
success1001$41.02$41.023/17/2010 7:08:15 PM
hampa$25.00$25.003/17/2010 7:17:49 PM
wahoo-trader$25.00$25.003/17/2010 10:42:46 PM
hizzy$25.00$25.003/17/2010 7:43:08 PM
principal-flow9$25.00$25.003/17/2010 9:27:14 PM
spark548$50.00$50.003/17/2010 11:38:06 PM
Fingar$25.00$25.003/17/2010 9:37:45 PM
cello1$25.00$25.003/17/2010 11:38:07 PM
kmfreymi$25.00$25.003/18/2010 6:47:32 AM
unforgettable-order9$100.00$100.003/18/2010 6:47:38 AM
Picopie$34.81$34.813/18/2010 6:47:45 AM
helpinghand63$50.00$50.003/18/2010 6:47:52 AM
kmr2$34.07$34.073/18/2010 6:47:57 AM
LeReve$25.97$25.973/18/2010 6:48:03 AM
justice-dna$25.00$25.003/17/2010 11:22:13 PM
LAKESPRING$25.00$25.003/17/2010 11:37:34 PM
payment-piledriver$25.00$25.003/17/2010 11:37:37 PM
1phantom$46.17$46.173/17/2010 11:38:03 PM
Veshay$41.93$41.933/17/2010 11:38:08 PM
melodious-fairness$25.00$25.003/17/2010 11:38:22 PM
tspyz$25.00$25.003/18/2010 6:47:17 AM
MO_Investor$25.00$25.003/18/2010 6:47:47 AM
boater01$50.00$50.003/18/2010 6:47:54 AM
inspiring-reward$28.06$28.063/18/2010 6:48:02 AM
oaktown23$28.06$28.063/18/2010 6:48:04 AM
TJ643$25.00$25.003/18/2010 7:53:07 AM
cathexis$29.30$29.303/18/2010 6:47:44 AM
macjp123$25.00$25.003/18/2010 6:47:51 AM
cnovak$25.00$25.003/18/2010 6:48:00 AM
skibuff$25.00$25.003/18/2010 8:02:45 AM
green-glowing-gain$25.00$25.003/18/2010 9:34:13 AM
mrscenicroute$25.00$25.003/18/2010 8:22:12 AM
Red_b17$25.00$25.003/18/2010 9:36:20 AM
sammyhammy$25.00$25.003/18/2010 8:28:42 AM
GoodScot$25.00$25.003/18/2010 9:43:02 AM
redx$25.00$25.003/18/2010 9:23:14 AM
HHP$25.00$25.003/18/2010 8:44:31 AM
djh47a$25.00$25.003/18/2010 10:07:21 AM
time4aloan$37.25$37.253/18/2010 10:07:59 AM
jaynlana$25.00$25.003/18/2010 9:33:44 AM
nanda$25.00$25.003/18/2010 9:13:18 AM
minista$25.00$25.003/18/2010 9:36:05 AM
gulch$25.00$25.003/18/2010 9:43:27 AM
ctcurtis$25.00$25.003/18/2010 9:33:21 AM
Snowman5$25.00$25.003/18/2010 9:43:12 AM
loan-master996$50.00$50.003/18/2010 10:26:05 AM
Raye147$25.00$25.003/18/2010 11:44:04 AM
integrity-liberator$25.00$25.003/18/2010 10:13:39 AM
JDavidL$25.00$25.003/18/2010 11:27:52 AM
X11_Counsil$25.00$25.003/18/2010 11:27:57 AM
currency-zenith$49.07$49.073/18/2010 10:24:37 AM
KillerHOO$35.00$35.003/18/2010 12:17:34 PM
thrifty-peso$25.00$25.003/18/2010 11:44:02 AM
gametime34$33.80$33.803/18/2010 12:45:10 PM
TMillard$25.00$25.003/18/2010 12:23:04 PM
jhouman$25.00$25.003/18/2010 11:44:30 AM
Bulldogee$25.00$25.003/18/2010 1:42:40 PM
noddy$25.00$25.003/18/2010 1:42:52 PM
Trolley08$25.00$25.003/18/2010 12:52:46 PM
unix_jedi$49.85$49.853/18/2010 12:17:26 PM
martinnc$25.00$25.003/18/2010 1:48:26 PM
uwinwewin$25.00$25.003/18/2010 1:49:09 PM
helping-out$25.00$25.003/18/2010 1:09:37 PM
CASHGIRL$40.00$40.003/18/2010 12:35:15 PM
Dutchhunter$50.00$50.003/18/2010 1:35:01 PM
selector568$200.00$200.003/18/2010 2:39:10 PM
syberhat$25.68$25.683/18/2010 2:13:21 PM
dospapalotes$25.00$25.003/18/2010 1:34:27 PM
interstellar$35.91$35.913/18/2010 2:33:46 PM
zento$25.00$25.003/18/2010 3:07:31 PM
Loan2save$25.00$25.003/19/2010 4:56:59 AM
gmf$25.00$25.003/19/2010 7:24:54 PM
webfeet$25.00$25.003/22/2010 5:53:54 AM
rajs$250.00$250.003/22/2010 12:13:34 PM
FinanceEngine$30.00$30.003/22/2010 5:17:31 PM
Dollars4Rent$25.00$25.003/22/2010 8:31:30 PM
excellent-nickel$25.00$25.003/22/2010 10:22:33 PM
credit-panda1$50.00$50.003/23/2010 2:05:03 PM
Oakland$50.00$50.003/24/2010 5:51:11 AM
Moneypenny6$25.00$25.003/24/2010 7:16:35 AM
broker558$25.00$25.003/24/2010 9:56:56 AM
rajs$25.00$25.003/24/2010 10:14:37 AM
icon7$50.00$50.003/24/2010 10:41:09 AM
scottr$25.00$25.003/24/2010 10:00:51 AM
rajs$100.00$100.003/24/2010 10:07:47 AM
jybank$25.00$25.003/24/2010 10:25:31 AM
smalltown_mn$25.00$25.003/24/2010 10:55:01 AM
trade-elm$100.00$100.003/24/2010 11:47:22 AM
nalaari$45.11$45.113/24/2010 11:31:31 AM
Bekim$26.00$26.003/24/2010 1:14:10 PM
best-listing-toro$25.00$25.003/24/2010 1:52:19 PM
sharp-credit$482.92$482.923/24/2010 2:53:53 PM
Hatdance$25.00$25.003/24/2010 3:45:26 PM
serene-capital$25.00$25.003/24/2010 3:47:32 PM
wwwUniversal$25.00$25.003/24/2010 3:53:03 PM
Moneypenny6$25.00$25.003/24/2010 4:00:56 PM
272 bids
 
Borrower Payment Dependent Notes Series 451084
This series of Notes was issued and sold upon the funding of the borrower loan #41590, 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:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $320.24
Final lender yield: 8.30% Final borrower rate/APR: 9.30% / 9.64% Final monthly payment: $319.40
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
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-1998 Debt/Income ratio: 17%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 14Length of status:9y 7m
Credit score: 800-819 (Mar-2010) Total credit lines: 31 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $51,595Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bmw2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 21 ( 100% ) 800-819 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
800-819 (Oct-2009)
780-799 (Aug-2008)
820-839 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
consolidating debt
Purpose of loan:
This loan will be used to?
Consolidate Debt

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

Both me and my wife have jobs that could easily repay a loan of this size. We need the money to repay a 401K loan so that we can reborrow a larger sum of money which will be used to pay off a number of smaller loans.

This is my Third loan with prosper. My first two have had all the payments made on time and are now paid 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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kenji4861$25.00$25.003/19/2010 3:53:13 PM
KandKLegacyInvestments$25.00$25.003/19/2010 3:54:56 PM
fiddlerzvi$25.00$25.003/19/2010 3:52:16 PM
inspired-contract9$50.00$50.003/19/2010 3:56:57 PM
bigballer105$50.00$50.003/19/2010 4:00:27 PM
fightinjoe$25.00$25.003/19/2010 3:58:45 PM
AFairDeal$25.00$25.003/19/2010 4:00:33 PM
lendersf$95.00$95.003/19/2010 3:59:59 PM
unforgettable-order9$100.00$100.003/19/2010 4:01:18 PM
courteous-fund9$25.00$25.003/19/2010 4:02:02 PM
MarinLoans$25.00$25.003/19/2010 4:01:49 PM
contract-lotus$25.00$25.003/19/2010 4:02:29 PM
goodguy2000$25.00$25.003/19/2010 4:05:19 PM
Rivervale_Westwood$25.00$25.003/19/2010 4:03:37 PM
skvat$25.00$25.003/19/2010 4:03:11 PM
transparency-halo$25.00$25.003/19/2010 4:04:08 PM
rosie777$25.00$25.003/19/2010 7:07:50 PM
OldFriend$25.00$25.003/19/2010 9:57:49 PM
tj1683$50.00$50.003/20/2010 10:52:30 AM
zenchef$25.00$25.003/20/2010 11:47:37 AM
auction-elvis$25.00$25.003/20/2010 11:07:15 AM
wormdc$25.00$25.003/20/2010 1:03:42 PM
Zipperdu$50.00$50.003/20/2010 2:10:46 PM
HappyToLoan$30.00$30.003/20/2010 3:25:43 PM
rulender$28.45$28.453/20/2010 4:43:13 PM
teller$39.30$39.303/20/2010 10:07:31 PM
RandyL3$33.00$33.003/21/2010 7:54:20 AM
aldenrains$25.00$25.003/21/2010 12:43:08 PM
adama_48$25.00$25.003/21/2010 11:32:17 AM
aasx1108$25.00$25.003/21/2010 2:52:36 PM
LoisLoan$25.00$25.003/21/2010 3:33:28 PM
Dazz2061$25.00$25.003/21/2010 5:42:22 PM
jd006006$40.00$40.003/22/2010 8:04:14 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:17 AM
GetItRight$25.00$25.003/22/2010 8:07:18 AM
versatile-platinum4$25.00$25.003/22/2010 9:33:37 AM
trade-cello$25.00$25.003/22/2010 9:34:21 AM
selector568$300.00$300.003/22/2010 9:43:43 AM
relentless-agreement647$25.00$25.003/22/2010 9:33:33 AM
Railbird$25.00$25.003/22/2010 9:35:56 AM
bds9646$26.00$26.003/22/2010 9:36:32 AM
FlexFunding$100.00$100.003/22/2010 10:49:02 AM
NR$25.00$25.003/22/2010 10:49:23 AM
fishtale$25.00$25.003/22/2010 11:15:35 AM
proteinart$25.00$25.003/22/2010 11:23:42 AM
friendly-worth3$25.00$25.003/22/2010 11:27:49 AM
brewman$25.00$25.003/22/2010 11:28:57 AM
honorable-yield$50.00$50.003/22/2010 11:53:41 AM
finman17$25.00$25.003/22/2010 11:54:06 AM
dharma1$25.00$25.003/22/2010 11:33:06 AM
Merganser$25.00$25.003/22/2010 11:33:20 AM
jga516$25.00$25.003/22/2010 11:58:41 AM
bowdish1$87.80$87.803/22/2010 11:53:12 AM
kirkjerk$25.00$25.003/22/2010 11:53:03 AM
KlotzLending$25.00$25.003/22/2010 11:53:55 AM
important-ore$100.00$100.003/22/2010 12:33:16 PM
mad4wknds$25.00$25.003/22/2010 12:14:56 PM
Dr_Starchildren$25.00$25.003/22/2010 1:09:10 PM
HHP$25.00$25.003/22/2010 2:37:27 PM
elasermd$25.00$25.003/22/2010 2:37:35 PM
TexasLender2007$25.00$25.003/22/2010 3:22:14 PM
wiselady$25.00$25.003/22/2010 3:52:36 PM
Dreamconnection$25.00$25.003/22/2010 5:52:11 PM
Steveoo1$25.00$25.003/22/2010 6:37:14 PM
gnuey$50.00$50.003/22/2010 10:47:17 PM
first-restless-payout$30.00$30.003/23/2010 6:47:19 AM
reflective-rupee$100.00$100.003/23/2010 9:49:09 AM
HelpFromNY$100.00$100.003/23/2010 11:39:08 AM
Supernick$50.00$50.003/23/2010 10:59:11 AM
ethicalhumanist$25.00$25.003/23/2010 12:09:18 PM
rjblack$25.57$25.573/23/2010 12:48:30 PM
Walkingcowboy$25.00$25.003/23/2010 1:54:16 PM
incbx$50.00$50.003/23/2010 4:12:42 PM
windfall46$25.00$25.003/23/2010 4:58:59 PM
zento$25.00$25.003/24/2010 5:29:36 AM
bank-examiner$25.00$25.003/24/2010 5:51:32 AM
rate-fluffy-bunny$25.00$25.003/24/2010 4:48:09 AM
briphi$25.00$25.003/24/2010 6:58:12 AM
credit-investor5$34.84$25.563/24/2010 8:33:25 AM
adhawan325$25.00$25.003/24/2010 9:42:32 AM
minista$25.00$25.003/24/2010 9:50:45 AM
LittleMingo$25.00$25.003/24/2010 10:37:34 AM
wanna-help$25.00$25.003/24/2010 10:54:16 AM
camaraderi-sensai$25.00$25.003/24/2010 12:49:15 PM
Dollars4Rent$25.00$25.003/24/2010 5:54:03 PM
MoneyTree79$55.58$55.583/24/2010 6:34:59 PM
webfeet$37.64$37.643/25/2010 6:20:00 AM
IceFisherman$76.49$76.493/25/2010 11:28:34 AM
manuvns$25.00$25.003/25/2010 11:44:35 AM
bouvierchamp$28.13$28.133/25/2010 12:10:32 PM
Personal-Bond$34.95$34.953/25/2010 12:24:38 PM
Montgomery-Burns$25.00$25.003/25/2010 12:34:18 PM
Tiger6543$25.00$25.003/25/2010 12:49:19 PM
Shelby2082$25.00$25.003/25/2010 12:58:11 PM
interstellar$50.00$50.003/25/2010 1:23:49 PM
EmeritusX$25.00$25.003/25/2010 1:46:04 PM
thrilling-nickel5$25.00$25.003/25/2010 2:05:46 PM
Ven58$25.00$25.003/25/2010 3:10:54 PM
JerryB96$25.00$25.003/25/2010 3:27:18 PM
sun-funding$25.00$25.003/25/2010 1:57:31 PM
happyjackbak$25.00$25.003/25/2010 4:40:07 PM
booie$25.00$25.003/25/2010 5:38:51 PM
knowonder$25.00$25.003/25/2010 5:56:20 PM
Patrician$27.40$27.403/25/2010 7:02:53 PM
HawaiianHelper$100.00$100.003/26/2010 12:40:36 AM
improvman$25.00$25.003/25/2010 7:24:48 PM
yield-quest$75.00$75.003/25/2010 8:14:56 PM
Spiv_51$25.00$25.003/26/2010 6:01:19 AM
lostperception$30.00$30.003/26/2010 4:42:03 AM
Planecourage$25.00$25.003/25/2010 10:03:11 PM
mitcha1$25.00$25.003/26/2010 4:57:23 AM
rajs$151.65$151.653/26/2010 7:58:45 AM
wwwUniversal$25.00$25.003/26/2010 9:44:22 AM
dollardave$100.00$100.003/26/2010 8:23:48 AM
dmitriy2$25.00$25.003/26/2010 10:28:49 AM
RichDadPoorDad$25.00$25.003/26/2010 11:19:04 AM
Pendruce$25.00$25.003/26/2010 12:09:20 PM
chemestudent$25.00$25.003/26/2010 2:47:40 PM
the-profit-oracle$25.00$25.003/26/2010 3:44:16 PM
cash-sensai2$25.00$25.003/19/2010 3:56:51 PM
delicious-social132$40.00$40.003/19/2010 3:59:05 PM
Microfinancer$25.00$25.003/19/2010 3:58:35 PM
asset-professor$100.00$100.003/19/2010 3:58:37 PM
successful-euro$25.90$25.903/19/2010 3:56:55 PM
credit-force5$25.00$25.003/19/2010 3:59:33 PM
bonus-adventure3$25.00$25.003/19/2010 3:59:50 PM
skuba$50.00$50.003/19/2010 3:58:43 PM
lender987654321$25.00$25.003/19/2010 4:01:01 PM
restless-currency$25.00$25.003/19/2010 4:00:55 PM
TakeCare$50.00$50.003/19/2010 4:01:29 PM
fcukciti$50.00$50.003/19/2010 4:02:14 PM
loan-warrior$25.00$25.003/19/2010 4:01:39 PM
kchen486$25.00$25.003/19/2010 4:02:17 PM
responsibility-euphoria0$25.00$25.003/19/2010 4:04:05 PM
don8ter$60.00$60.003/19/2010 4:03:58 PM
payment-gusto$25.00$25.003/19/2010 4:05:08 PM
flexible-value$31.00$31.003/19/2010 4:16:47 PM
micko$25.00$25.003/19/2010 4:15:28 PM
HUNTER599673$25.00$25.003/19/2010 4:32:24 PM
revenue-serenity$25.00$25.003/19/2010 7:02:28 PM
radforj22$25.00$25.003/20/2010 3:22:14 AM
grampy48$25.00$25.003/20/2010 3:54:15 AM
checkers38$25.00$25.003/20/2010 7:53:04 AM
calessabay$25.00$25.003/20/2010 8:07:15 AM
hopethisworks$100.00$100.003/20/2010 9:01:15 AM
litespeedpf$25.00$25.003/20/2010 12:57:17 PM
antlr$25.00$25.003/20/2010 11:02:23 AM
dollar-birdie$25.00$25.003/20/2010 4:14:13 PM
IndianChief$25.00$25.003/20/2010 6:27:11 PM
anton$25.00$25.003/21/2010 5:52:53 AM
bchen78875$25.00$25.003/21/2010 7:11:06 AM
rescue$500.00$500.003/21/2010 7:47:46 AM
BankofBen$25.00$25.003/21/2010 7:54:12 AM
kanakakm$25.00$25.003/21/2010 1:02:54 PM
authentic-diversification$25.00$25.003/21/2010 11:39:26 AM
lloyd_s$25.00$25.003/21/2010 12:59:12 PM
iolaire$25.00$25.003/21/2010 6:32:15 PM
xphile$25.00$25.003/22/2010 6:07:37 AM
gain-seagull9$25.00$25.003/22/2010 6:27:53 AM
kindness-percolator5$25.00$25.003/22/2010 9:24:35 AM
demoseal$25.00$25.003/22/2010 9:33:45 AM
unassuming-note$25.00$25.003/22/2010 9:33:07 AM
scottssm$28.00$28.003/22/2010 9:33:49 AM
Vennela$40.00$40.003/22/2010 9:33:11 AM
tokyopete23$25.00$25.003/22/2010 10:03:21 AM
payogie$25.00$25.003/22/2010 9:34:41 AM
stable-money$25.00$25.003/22/2010 9:34:12 AM
ferdberfel$50.00$50.003/22/2010 9:36:37 AM
oja$34.42$34.423/22/2010 9:36:40 AM
Ciphernetic$25.00$25.003/22/2010 10:23:44 AM
spenrod$50.00$50.003/22/2010 10:02:33 AM
thedoctor$100.00$100.003/22/2010 10:27:37 AM
pawnshopman$25.00$25.003/22/2010 10:23:52 AM
Cheburashka$30.00$30.003/22/2010 10:52:50 AM
moola-man$34.32$34.323/22/2010 10:56:11 AM
mlopez2007$25.00$25.003/22/2010 11:11:33 AM
credit-magician$25.00$25.003/22/2010 10:58:11 AM
ciccio70$25.00$25.003/22/2010 10:58:22 AM
lend_to_you$25.00$25.003/22/2010 11:08:37 AM
vacation-funding$25.00$25.003/22/2010 11:32:19 AM
awwaww$25.00$25.003/22/2010 11:58:36 AM
meenan$25.00$25.003/22/2010 11:58:42 AM
PCash$25.00$25.003/22/2010 11:59:11 AM
wampum-optimization$50.00$50.003/22/2010 12:42:25 PM
GACFUNDING$25.00$25.003/22/2010 12:42:41 PM
market-honker$100.00$100.003/22/2010 1:04:41 PM
WealthBuildingLessons$25.00$25.003/22/2010 12:42:18 PM
GElender$50.00$50.003/22/2010 12:57:34 PM
trident9$25.00$25.003/22/2010 12:48:08 PM
jeffpac$31.69$31.693/22/2010 1:47:36 PM
Aberdeen$350.00$350.003/22/2010 1:47:40 PM
uvawfs$100.00$100.003/22/2010 2:27:31 PM
Cherrypicker$30.00$30.003/22/2010 2:56:40 PM
bradny$25.00$25.003/22/2010 3:22:44 PM
woodenshoes$25.00$25.003/22/2010 3:17:18 PM
BorrowLend$25.00$25.003/22/2010 2:42:18 PM
jh157765$25.00$25.003/22/2010 3:52:19 PM
buckyhead2000$25.00$25.003/22/2010 5:33:38 PM
shrewd-deal$25.00$25.003/22/2010 5:40:08 PM
nhm$26.15$26.153/22/2010 5:48:52 PM
evergreen4$25.00$25.003/22/2010 8:32:41 PM
GAOGERAM_BANK$25.00$25.003/22/2010 8:58:55 PM
TrixieD$25.00$25.003/22/2010 9:38:23 PM
tender-gold$25.00$25.003/22/2010 10:22:15 PM
GrayStudio$50.00$50.003/23/2010 12:52:54 AM
Attract$25.00$25.003/23/2010 12:52:30 AM
winlender$25.00$25.003/23/2010 8:52:17 AM
dbanwart$25.00$25.003/23/2010 4:30:53 AM
darylc$25.00$25.003/23/2010 5:47:20 AM
afotherg$25.00$25.003/23/2010 7:07:20 AM
worlds-best-auction$25.00$25.003/23/2010 9:33:28 AM
interest-satellite$25.00$25.003/23/2010 11:41:18 AM
Mantis75$50.00$50.003/23/2010 10:03:32 AM
Cherrypicker06$25.00$25.003/23/2010 11:07:41 AM
TCayce$25.00$25.003/23/2010 11:48:24 AM
loanman2007$100.00$100.003/23/2010 12:35:07 PM
bigdogsafety1$25.00$25.003/23/2010 1:42:54 PM
lepolgr$50.00$50.003/23/2010 11:55:12 AM
gpuck$25.00$25.003/23/2010 3:35:44 PM
mattpet$25.00$25.003/23/2010 2:42:21 PM
foxy-vigilance$25.00$25.003/23/2010 3:47:47 PM
keyfig$25.04$25.043/23/2010 2:27:16 PM
j2ee$25.00$25.003/23/2010 5:37:26 PM
dontscrewmeover1$50.00$50.003/23/2010 6:35:27 PM
mikeandcat$49.31$49.313/23/2010 7:02:19 PM
DDHMoney$25.00$25.003/23/2010 7:37:14 PM
Captain88$25.00$25.003/24/2010 5:13:17 AM
stock_speculator$25.00$25.003/24/2010 10:56:35 AM
ptjg$50.00$50.003/24/2010 11:03:18 AM
charitycoon$25.00$25.003/24/2010 9:03:31 PM
JohnQGalt$75.00$75.003/24/2010 8:33:35 PM
AustinAmerica$25.00$25.003/24/2010 10:33:02 PM
EJO$25.00$25.003/25/2010 10:14:38 AM
debbymcc$25.00$25.003/25/2010 9:10:06 AM
suburbanman64$25.00$25.003/25/2010 10:34:24 AM
turbostar666$30.00$30.003/25/2010 10:34:32 AM
fair_rates$25.00$25.003/25/2010 9:34:24 AM
jchurchi$100.00$100.003/25/2010 2:27:25 PM
mhotchan$100.00$100.003/25/2010 2:37:45 PM
discrete-asset$25.00$25.003/25/2010 4:40:19 PM
JDLanier$25.00$25.003/25/2010 5:20:12 PM
elevated-finance$25.00$25.003/25/2010 5:46:12 PM
icanhelpyouout$25.00$25.003/25/2010 7:12:13 PM
NorthwestLoan1$25.00$25.003/25/2010 5:19:23 PM
snowdem0n$50.00$50.003/25/2010 7:58:21 PM
XCWIZ007$50.00$50.003/25/2010 8:19:57 PM
OoM$25.00$25.003/25/2010 10:49:31 PM
octoberfresh$25.00$25.003/26/2010 6:46:41 AM
Charmart$25.00$25.003/26/2010 2:49:13 AM
focused-wampum$26.00$26.003/26/2010 7:48:45 AM
MoneyForNothing$25.00$25.003/26/2010 1:37:34 AM
rate-hickory$25.00$25.003/26/2010 8:20:26 AM
webfeet$25.00$25.003/26/2010 8:57:40 AM
wealth-pal3$25.00$25.003/26/2010 9:33:22 AM
CashBank$25.00$25.003/26/2010 9:15:06 AM
rce1964$25.00$25.003/26/2010 12:13:04 PM
plbquic$25.00$25.003/26/2010 12:13:45 PM
chuchutrain$25.00$25.003/26/2010 10:12:26 AM
bamboozled_again$55.65$55.653/26/2010 12:20:32 PM
grampy48$25.00$25.003/26/2010 1:37:18 PM
FundMaker$25.00$25.003/26/2010 3:20:21 PM
261 bids
 
Borrower Payment Dependent Notes Series 451096
This series of Notes was issued and sold upon the funding of the borrower loan #41493, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 31.95% Final borrower rate/APR: 32.95% / 35.37% Final monthly payment: $88.17
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 16.17%  
Lender servicing fee: 1.00% Estimated return: 15.78%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1999 Debt/Income ratio: 45%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:0y 9m
Credit score: 600-619 (Mar-2010) Total credit lines: 30 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $2,168Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 1/ 3 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: soloud2003 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
560-579 (Oct-2007)
 
Principal balance: $569.48 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
remodel kitchen and redo landscapei
Purpose of loan:
This loan will be used to remodel the kitchen and redo the land scapeing in the yard. Bought the house on a short sale and it sat empty for over a year and the yard took the worst hit. Is a older house and I want to upgrade the cabinets and the flooring in the kitchen and get a few new appliances

My financial situation:
I am a good candidate for this loan because I have a prosper loan and never missed a payment and I have a monthly check coming in every month from social security for my disability. I also work part time to make extra money. My fiance also works and we combine income to make it work. We also don't go out a buy new cars and trucks just cause we have the money to do that, we try to stay on our budget every month and it works great for us.

Monthly net income: $ Social Security Disability - $1286.00, Part time job - $900.00, Spouses income - $1300.00

Monthly expenses: $
??Housing: $ 700.00 ????
??Insurance: $ Its in the house payment
??Car expenses: $ 450.00, two car loans
??Utilities: $ 300.00
??Phone, cable, internet: $ 250.00 ????
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 77.43 -prosper loan, no credit cards
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bob450$25.00$25.003/19/2010 7:55:03 PM
lucrative-loan$54.17$54.173/24/2010 10:52:47 AM
rpd1211$25.00$25.003/24/2010 3:35:00 PM
dcm6276$25.00$25.003/25/2010 9:06:17 AM
carrinel$75.00$75.003/25/2010 5:14:34 PM
bold-dynamic-silver$25.00$25.003/26/2010 12:19:56 AM
hektek22$25.00$25.003/25/2010 7:43:55 PM
bull_lender$36.00$36.003/25/2010 9:14:07 PM
twjh$25.00$25.003/26/2010 6:03:00 AM
Leshan$50.00$50.003/26/2010 8:50:54 AM
Kash2010lu$35.00$35.003/26/2010 8:30:49 AM
inventive-principal$25.00$25.003/26/2010 7:14:18 AM
realtormoises$25.00$25.003/26/2010 9:38:29 AM
Leopoldine$25.00$25.003/26/2010 9:54:48 AM
Your_Bank$25.00$25.003/26/2010 10:38:34 AM
Bobusa$25.00$25.003/26/2010 1:27:04 PM
FarmersBank$25.00$25.003/26/2010 12:54:38 PM
zorg77$25.00$3.013/26/2010 2:53:38 PM
new-smart-fund$38.98$38.983/26/2010 1:03:00 PM
wild-orange$25.00$25.003/26/2010 1:38:37 PM
SlickNick$25.00$25.003/26/2010 1:49:31 PM
YoungTaxMan$100.00$100.003/26/2010 2:40:50 PM
piter-to-la-investment$25.00$25.003/26/2010 3:46:15 PM
Unitas4302$73.83$73.833/21/2010 2:26:38 PM
myutmost$40.00$40.003/22/2010 2:19:33 PM
Aberdeen$350.00$350.003/25/2010 3:39:16 PM
CoolPlexer$44.01$44.013/25/2010 5:25:31 PM
goodcents$25.00$25.003/25/2010 6:07:45 PM
marwadi-62$100.00$100.003/25/2010 6:43:04 PM
Mikale360$25.00$25.003/26/2010 6:40:18 AM
supreme-hope$25.00$25.003/26/2010 7:30:39 AM
sparkling-contract7$25.00$25.003/26/2010 5:56:40 AM
bobd32$25.00$25.003/26/2010 12:14:56 PM
ultimate-peace$425.00$425.003/26/2010 12:42:39 PM
autumn_leaves$25.00$25.003/26/2010 2:42:02 PM
NekHoldings$25.00$25.003/26/2010 12:30:11 PM
responsible-worth113$25.00$25.003/26/2010 3:42:22 PM
37 bids
 
Borrower Payment Dependent Notes Series 451108
This series of Notes was issued and sold upon the funding of the borrower loan #41490, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,400.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.93% Starting monthly payment: $63.33
Final lender yield: 30.50% Final borrower rate/APR: 31.50% / 34.37% Final monthly payment: $60.59
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.40%  
Lender servicing fee: 1.00% Estimated return: 15.10%  
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-1996 Debt/Income ratio: 5%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:4y 2m
Credit score: 640-659 (Mar-2010) Total credit lines: 10 Occupation: Retail Management
Now delinquent: 1 Revolving credit balance: $794Stated income:$25,000-$49,999
Amount delinquent: $318 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: 1rajin 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.
Description
paying off and old debt and credit
Purpose of loan:
This loan will be used to?
pay off and old account, and a new account.??have a little extra for future bills
My financial situation:
I am a good candidate for this loan because?
I have just gotten my student loan paid off, and out of my?4 current credit?cards, only 2 have debt.? I dont use the other 2.
Monthly net income: $ 1400.00

Monthly expenses: $ 1400 -1500
??Housing: $ 500.00
??Insurance: $
??Car expenses: $
??Utilities: $40.00
??Phone, cable, internet: $60
??Food, entertainment: $300.00
??Clothing, household expenses $
??Credit cards and other loans: $?50.00
??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
Q: Based on you declared income and expenses, it does not seem you can afford this loan unless it is funded at a very low interest rate. - jpblan11
A: After I pay all my bills, I have currently have an extra $150 - $300 for spending. I just currently completed a 2 year repayment program, that took care of my student loans ( I did of course have to tighten my belt) From what I did on prosper, it showed a monthly payment of $63. Also part of the reason my income last yr was so low was the economy, business is picking up again. 2 yrs prior my yearly income was $38,000. I feel any repayment would not be a problem. (Mar-20-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
aurorafinancial$50.00$50.003/19/2010 3:57:47 PM
Bob450$25.00$25.003/19/2010 7:52:39 PM
Peterman$25.00$25.003/24/2010 5:26:17 PM
finance-prescription$250.00$250.003/26/2010 6:34:01 AM
cunning-bill$25.00$25.003/26/2010 12:51:11 PM
knight3136$25.00$25.003/26/2010 3:06:07 PM
YoungTaxMan$100.00$100.003/26/2010 2:44:04 PM
reflective-rupee$25.00$25.003/26/2010 3:25:49 PM
SlickNick$25.00$25.003/26/2010 1:51:33 PM
money-encourager$25.00$6.003/26/2010 3:35:54 PM
credit-coach118$25.00$25.003/26/2010 3:50:41 PM
jgshinn$25.00$25.003/19/2010 3:57:41 PM
Unitas4302$50.00$50.003/21/2010 2:25:11 PM
carrinel$94.00$94.003/24/2010 1:00:16 PM
hektek22$25.00$25.003/25/2010 7:47:26 PM
marwadi-62$100.00$100.003/25/2010 6:43:43 PM
DonDiego$25.00$25.003/26/2010 1:12:56 AM
buffalobills$25.00$25.003/26/2010 8:05:56 AM
FarmersBank$25.00$25.003/26/2010 12:47:30 PM
ultimate-peace$425.00$425.003/26/2010 12:43:20 PM
Bobusa$25.00$25.003/26/2010 1:25:50 PM
21 bids
 
Borrower Payment Dependent Notes Series 451142
This series of Notes was issued and sold upon the funding of the borrower loan #41499, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 13.35% Starting monthly payment: $303.25
Final lender yield: 8.30% Final borrower rate/APR: 9.30% / 9.64% Final monthly payment: $287.46
 
Auction yield range: 3.04% - 12.00% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
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-1982 Debt/Income ratio: 17%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 17Length of status:16y 9m
Credit score: 840-859 (Feb-2010) Total credit lines: 36 Occupation: Other
Now delinquent: 0 Revolving credit balance: $21,703Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: capital-force3 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
shopkeeper seeks shop ownership
Purpose of loan:
This loan will be used to? pay out the current owner of a retail store located in a very desired neighborhood in San Francisco. It's been a successful retail store for over six years and I have been an employee for almost five; giving me full confidence to take over the business.? The business has been analyzed by an established financial consultant who advises this to be a low risk investment.? Five page business presentation available upon request including income statements, profit margins, ect..(The reason for the current owner selling the shop is because she has plans to branch out her other store. Taking on 3-4 stores became too time consuming. )

My financial situation:
I am a good candidate for this loan because I have a proven repayment record with no missed monthly payments on any current balances.
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 neighborhood in SF? What type of goods are being sold, clothing? - CalCollegeFund19
A: The shop is located in the Hayes Valley neighborhood in San Francisco. Some of the merchandise is womens clothing and accessories. Also, there is unique gift items from local artisans, seasonal gifts, and cards. The store is merchandised to attract a variety of buyers. (Mar-25-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
fiddlerzvi$25.00$25.003/19/2010 3:52:16 PM
kenji4861$25.00$25.003/19/2010 3:53:12 PM
successful-euro$30.00$30.003/19/2010 3:56:54 PM
turbospeed$25.00$25.003/19/2010 3:57:38 PM
inspired-contract9$50.00$50.003/19/2010 3:56:56 PM
fightinjoe$25.00$25.003/19/2010 3:58:44 PM
skuba$50.00$50.003/19/2010 3:58:43 PM
delicious-social132$40.00$40.003/19/2010 3:59:05 PM
lendersf$95.00$95.003/19/2010 3:59:58 PM
unforgettable-order9$100.00$100.003/19/2010 4:01:17 PM
bigballer105$50.00$50.003/19/2010 4:00:26 PM
important-ore$100.00$100.003/19/2010 4:01:05 PM
courteous-fund9$25.00$25.003/19/2010 4:02:01 PM
loan-warrior$25.00$25.003/19/2010 4:01:38 PM
MarinLoans$25.00$25.003/19/2010 4:01:48 PM
contract-lotus$25.00$25.003/19/2010 4:02:28 PM
docdekay$40.00$40.003/19/2010 4:04:16 PM
buraky$25.00$25.003/19/2010 4:22:34 PM
scottr$25.00$25.003/19/2010 4:13:37 PM
aasx1108$25.00$25.003/19/2010 4:22:35 PM
meux99$25.00$25.003/19/2010 4:28:07 PM
HUNTER599673$25.00$25.003/19/2010 4:32:23 PM
dsgfl1$39.05$39.053/19/2010 6:42:14 PM
rosie777$25.00$25.003/19/2010 7:07:50 PM
empire9$25.00$25.003/19/2010 8:17:14 PM
asset-prescription$25.00$25.003/20/2010 12:37:47 AM
dollar-birdie$42.08$42.083/20/2010 12:57:15 AM
OldFriend$25.00$25.003/19/2010 9:57:48 PM
adevadeh$25.00$25.003/20/2010 4:52:42 AM
calessabay$25.00$25.003/20/2010 8:07:14 AM
hopethisworks$100.00$100.003/20/2010 9:01:15 AM
km007$25.00$25.003/20/2010 10:43:15 AM
zenchef$25.00$25.003/20/2010 10:43:32 AM
dharma1$25.00$25.003/20/2010 10:43:42 AM
unclejaef$25.00$25.003/20/2010 10:43:54 AM
one2sojourn$50.00$50.003/20/2010 10:43:17 AM
mad4wknds$25.00$25.003/20/2010 10:43:30 AM
hogdriver$25.00$25.003/20/2010 10:43:42 AM
cjames84$25.00$25.003/20/2010 10:44:12 AM
mdv$25.00$25.003/20/2010 10:52:22 AM
first-pragmatic-note$25.00$25.003/20/2010 11:22:20 AM
antlr$25.00$25.003/20/2010 11:02:22 AM
jga516$25.00$25.003/20/2010 10:43:16 AM
minista$25.00$25.003/20/2010 11:22:31 AM
Velocity_Lenders$50.00$50.003/20/2010 10:43:43 AM
GetItRight$25.00$25.003/20/2010 10:44:02 AM
Railbird$25.00$25.003/20/2010 10:44:15 AM
likeable-value$25.00$25.003/20/2010 12:52:14 PM
rcflick$25.00$25.003/20/2010 3:32:29 PM
LandE2BG$25.00$25.003/20/2010 4:13:26 PM
Zipperdu$50.00$50.003/20/2010 2:09:45 PM
FinDoc$25.00$25.003/20/2010 4:33:09 PM
green-glowing-gain$25.00$25.003/21/2010 7:07:47 AM
RandyL3$33.00$33.003/21/2010 6:37:28 AM
rulender$50.00$50.003/20/2010 10:22:18 PM
bowdish1$100.00$100.003/21/2010 7:08:29 AM
wwwUniversal$25.00$25.003/21/2010 7:53:12 AM
jeffpac$55.00$55.003/21/2010 7:57:18 AM
rescue$500.00$500.003/21/2010 7:47:45 AM
aldenrains$25.00$25.003/21/2010 12:43:05 PM
adama_48$25.00$25.003/21/2010 11:32:15 AM
klinebarger$25.00$25.003/21/2010 12:58:00 PM
sunshinysmiles$25.00$25.003/21/2010 2:57:44 PM
bluesky07$25.00$25.003/21/2010 7:48:04 PM
dpfl55$25.00$25.003/21/2010 5:37:13 PM
Norcal$27.87$27.873/22/2010 5:43:12 AM
xphile$25.00$25.003/22/2010 6:07:37 AM
smloanbigresult$25.00$25.003/22/2010 6:32:13 AM
faifar$25.00$25.003/22/2010 3:58:40 AM
exciting-responsibility3$25.00$25.003/22/2010 12:57:14 AM
workinghardoregon$25.00$25.003/22/2010 8:13:35 AM
sjlnn$30.72$30.723/22/2010 8:58:21 AM
bailey14$25.00$25.003/22/2010 8:58:47 AM
ferdberfel$37.01$37.013/22/2010 8:03:08 AM
unassuming-note$25.00$25.003/22/2010 9:33:07 AM
versatile-platinum4$25.00$25.003/22/2010 9:33:35 AM
scottssm$28.00$28.003/22/2010 9:33:48 AM
bigmoyo$25.00$25.003/22/2010 8:58:19 AM
mburke3434$25.00$25.003/22/2010 8:58:40 AM
relentless-agreement647$25.00$25.003/22/2010 9:33:32 AM
northphoto$25.00$25.003/22/2010 9:34:29 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:16 AM
Montgomery-Burns$25.00$25.003/22/2010 10:52:15 AM
Rogesparkguy$25.00$25.003/22/2010 11:09:54 AM
ricpick$50.00$50.003/22/2010 5:01:42 PM
SCD$25.00$25.003/22/2010 5:56:25 PM
goodcents$25.00$25.003/22/2010 7:35:03 PM
lostperception$25.00$25.003/23/2010 8:18:20 AM
SOBRO-FINANCE$25.00$25.003/23/2010 11:52:06 AM
ptjg$90.00$90.003/23/2010 2:55:28 PM
minneapolismoney$30.00$30.003/23/2010 5:50:30 PM
senior1$25.00$25.003/24/2010 5:32:02 AM
OzGuy609$25.00$25.003/24/2010 6:38:45 PM
vulgy$25.00$25.003/25/2010 11:49:48 AM
SOBRO-FINANCE$25.00$25.003/25/2010 1:11:03 PM
Ven58$25.00$25.003/25/2010 3:11:44 PM
MrEville$25.00$25.003/25/2010 3:48:46 PM
QsDad$25.00$25.003/25/2010 4:40:22 PM
felicity-loyalist0$60.00$60.003/25/2010 5:29:42 PM
BicyclePostLendingDivision$28.73$28.733/25/2010 7:15:17 PM
eagle1271$25.00$25.003/25/2010 7:21:36 PM
drtxmac$25.00$25.003/25/2010 7:37:27 PM
mitcha1$25.00$25.003/26/2010 4:58:14 AM
HawaiianHelper$50.00$50.003/26/2010 12:41:34 AM
dollardave$100.00$100.003/26/2010 8:23:49 AM
KandKLegacyInvestments$25.00$25.003/19/2010 3:54:55 PM
asset-professor$100.00$100.003/19/2010 3:58:36 PM
cash-sensai2$25.00$25.003/19/2010 3:56:51 PM
bonus-adventure3$25.00$25.003/19/2010 3:59:49 PM
Microfinancer$25.00$25.003/19/2010 3:58:34 PM
credit-force5$25.00$25.003/19/2010 3:59:33 PM
nletunic$25.00$25.003/19/2010 4:00:52 PM
AFairDeal$25.00$25.003/19/2010 4:00:32 PM
fcukciti$50.00$50.003/19/2010 4:02:13 PM
restless-currency$25.00$25.003/19/2010 4:00:54 PM
skvat$25.00$25.003/19/2010 4:03:10 PM
TakeCare$50.00$50.003/19/2010 4:01:28 PM
responsibility-euphoria0$25.00$25.003/19/2010 4:04:04 PM
transparency-halo$25.00$25.003/19/2010 4:04:08 PM
kchen486$25.00$25.003/19/2010 4:02:17 PM
don8ter$60.00$60.003/19/2010 4:03:59 PM
Rivervale_Westwood$25.00$25.003/19/2010 4:03:37 PM
payment-gusto$25.00$25.003/19/2010 4:05:08 PM
goodguy2000$25.00$25.003/19/2010 4:05:18 PM
useful-currency$25.00$25.003/19/2010 4:22:30 PM
reflective-deal8$50.00$50.003/19/2010 4:42:57 PM
the-bright-velocity$25.00$25.003/19/2010 4:15:13 PM
jjb3$25.00$25.003/19/2010 4:47:33 PM
TruckerGuy$25.00$25.003/19/2010 5:03:00 PM
justice-dna$26.10$26.103/19/2010 4:22:29 PM
Flatfoot$25.00$25.003/19/2010 4:22:31 PM
tokyopete23$25.00$25.003/19/2010 6:02:19 PM
revenue-serenity$25.00$25.003/19/2010 7:02:27 PM
trade-pumpkin$25.00$25.003/19/2010 8:02:22 PM
BankofBen$25.00$25.003/19/2010 8:22:22 PM
radforj22$25.00$25.003/20/2010 3:22:13 AM
jd006006$40.00$40.003/20/2010 4:52:47 AM
checkers38$39.05$39.053/19/2010 10:42:50 PM
grampy48$25.00$25.003/20/2010 3:54:15 AM
SDNLR$25.00$25.003/20/2010 8:42:55 AM
kindness-percolator5$25.00$25.003/20/2010 8:57:00 AM
awwaww$25.00$25.003/20/2010 8:59:50 AM
galtsgulch$25.00$25.003/20/2010 8:59:32 AM
lloyd_s$25.00$25.003/20/2010 9:00:08 AM
tj1683$50.00$50.003/20/2010 10:43:18 AM
selector568$400.00$400.003/20/2010 10:37:26 AM
yachtmaster45$25.00$25.003/20/2010 10:43:40 AM
hawaiiangirl76$25.00$25.003/20/2010 10:44:01 AM
teller$35.95$35.953/20/2010 10:44:07 AM
Joem311JE$25.00$25.003/20/2010 10:43:14 AM
meenan$25.00$25.003/20/2010 10:44:13 AM
paladin847$25.00$25.003/20/2010 10:43:21 AM
johntina$50.00$50.003/20/2010 10:43:39 AM
USMC0311$25.00$25.003/20/2010 10:43:48 AM
crazybill$25.00$25.003/20/2010 10:43:57 AM
peach17$25.00$25.003/20/2010 10:44:03 AM
Sibelius2$25.00$25.003/20/2010 10:44:23 AM
auction-elvis$25.00$25.003/20/2010 11:07:15 AM
GrayStudio$50.00$50.003/20/2010 10:38:11 AM
catterpillar$47.60$47.603/20/2010 10:43:19 AM
freefly67$25.00$25.003/20/2010 10:43:41 AM
kirkjerk$25.00$25.003/20/2010 10:43:45 AM
venture332$25.00$25.003/20/2010 12:22:18 PM
lively-point$25.00$25.003/20/2010 10:44:00 AM
Philosonie$25.00$25.003/20/2010 10:44:10 AM
wormdc$25.00$25.003/20/2010 1:03:42 PM
sf-funder$25.00$25.003/20/2010 11:02:18 AM
litespeedpf$25.00$25.003/20/2010 12:57:17 PM
Dap2005$27.57$27.573/20/2010 1:02:50 PM
KillerHOO$50.00$50.003/20/2010 1:47:58 PM
anacho4me$25.00$25.003/20/2010 1:52:17 PM
Dazz2061$25.00$25.003/20/2010 12:52:16 PM
enriching-fund4$25.00$25.003/20/2010 3:17:27 PM
friendly-worth3$25.00$25.003/20/2010 4:33:04 PM
inventive-wealth2$25.00$25.003/20/2010 3:52:14 PM
sugarhoof$25.00$25.003/20/2010 4:12:43 PM
nicklds$50.00$50.003/20/2010 6:42:13 PM
IndianChief$25.00$25.003/20/2010 6:27:10 PM
philantist$25.00$25.003/21/2010 6:43:29 AM
baci99$28.00$28.003/21/2010 5:42:12 AM
kanakakm$43.33$43.333/21/2010 7:08:32 AM
moola-man$45.40$45.403/21/2010 7:09:02 AM
lenderme$25.00$25.003/21/2010 9:33:15 AM
anton$54.93$54.933/21/2010 9:27:42 AM
authentic-diversification$25.00$25.003/21/2010 11:39:24 AM
a-social-nebula$25.00$25.003/21/2010 11:47:31 AM
ray1051$25.00$25.003/21/2010 11:47:28 AM
DeltaComputerGuy$25.00$25.003/21/2010 3:43:04 PM
LoisLoan$25.00$25.003/21/2010 3:33:27 PM
iolaire$25.00$25.003/21/2010 6:32:14 PM
HunterSix$25.00$25.003/21/2010 9:27:28 PM
upc_tnt$25.00$25.003/22/2010 7:12:13 AM
rustylix$25.00$25.003/22/2010 12:57:17 AM
the-money-gargantuan$25.00$25.003/22/2010 3:58:36 AM
bds9646$26.00$26.003/22/2010 2:52:21 AM
trillian16$25.00$25.003/22/2010 5:47:12 AM
secundus$25.00$25.003/22/2010 8:58:39 AM
gain-seagull9$25.00$25.003/22/2010 6:27:50 AM
Vennela$40.00$40.003/22/2010 9:33:10 AM
stable-money$25.00$25.003/22/2010 9:34:11 AM
payogie$25.00$22.773/22/2010 9:34:40 AM
amsocool$25.00$25.003/22/2010 8:58:38 AM
axl163$25.00$25.003/22/2010 8:58:49 AM
sb0453$25.00$25.003/22/2010 9:32:24 AM
trade-cello$25.00$25.003/22/2010 9:34:19 AM
demoseal$25.00$25.003/22/2010 9:33:44 AM
interstellar$50.00$50.003/22/2010 11:11:29 AM
wise-cash-keeper$50.00$50.003/22/2010 11:48:54 AM
sleuth2$35.00$35.003/22/2010 1:04:09 PM
rajs$250.00$250.003/22/2010 3:16:32 PM
thrilling-nickel5$25.00$25.003/22/2010 5:24:24 PM
zento$25.00$25.003/22/2010 5:23:43 PM
turbostar666$30.00$30.003/22/2010 5:30:38 PM
Toppenish99$25.00$25.003/23/2010 4:37:47 AM
flshdaskll$25.00$25.003/23/2010 7:20:58 PM
dn0pes$27.17$27.173/24/2010 9:44:15 AM
plbquic$25.00$25.003/24/2010 12:10:17 PM
ajk_blue$25.00$25.003/24/2010 12:54:37 PM
WindyKid$50.00$50.003/24/2010 5:35:36 PM
Aridus$25.00$25.003/24/2010 4:38:11 PM
Dollars4Rent$25.00$25.003/24/2010 5:55:16 PM
rodaku$45.00$45.003/24/2010 8:34:45 PM
funds-rascal$250.00$250.003/24/2010 10:04:43 PM
gaiusceasar$25.00$25.003/25/2010 9:36:24 AM
stock_speculator$25.00$25.003/25/2010 12:00:00 PM
adhawan325$25.00$25.003/25/2010 12:50:55 PM
inventive-principal$25.00$25.003/25/2010 1:42:37 PM
CalCollegeFund19$75.00$75.003/25/2010 2:34:00 PM
JerryB96$25.00$25.003/25/2010 3:28:22 PM
LSAR$25.00$25.003/25/2010 3:50:37 PM
details$50.00$50.003/25/2010 4:23:20 PM
discrete-asset$25.00$25.003/25/2010 4:40:20 PM
dano1965$30.00$30.003/25/2010 5:19:29 PM
TechieLender$65.84$65.843/25/2010 7:39:12 PM
Charmart$25.00$25.003/26/2010 2:50:42 AM
rate-hickory$25.00$25.003/26/2010 8:21:16 AM
octoberfresh$25.00$25.003/26/2010 6:47:05 AM
historyman$25.00$25.003/26/2010 12:00:13 AM
jtc26$73.83$73.833/26/2010 8:57:24 AM
wealth-pal3$25.00$25.003/26/2010 9:33:24 AM
jybank$25.00$25.003/26/2010 10:39:48 AM
grvdgr01$25.00$25.003/26/2010 1:34:01 PM
242 bids
 
Borrower Payment Dependent Notes Series 451590
This series of Notes was issued and sold upon the funding of the borrower loan #41501, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Mar-25-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $30.94
Final lender yield: 6.10% Final borrower rate/APR: 7.10% / 7.44% Final monthly payment: $30.92
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
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: Nov-1993 Debt/Income ratio: 21%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 20 / 18Length of status:12y 0m
Credit score: 800-819 (Mar-2010) Total credit lines: 59 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $16,807Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: IntegrityFinance Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 5 ( 100% ) 800-819 (Latest)
Principal borrowed: $9,671.00< mo. late: 0 ( 0% )  
840-859 (Sep-2009)
760-779 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Vacation
Thanks for considering my loan request.? I plan to use this money for a vacation.

I graduated in?1995 with a B.S. in Business Administration (Finance major).? I've worked at a major?insurance company since March 1998.? My position is?secure and I have no plans to leave.? While working full-time I'm?also finishing up my law degree.?

I believe in always paying my bills on time.? In 18 years of being on my own and using credit, I've never been late in paying any bill of any kind.? I will not ruin that record by failing to pay this loan on time.? This loan is about as low risk as you can get.? I use my credit cards each month only to keep my credit score high.? However, I pay off ALL?balances in full each month before the due date so I incur no interest charges on revolving accounts.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kenji4861$50.00$50.003/25/2010 3:53:03 PM
fishtale$25.00$25.003/25/2010 3:57:33 PM
kchen486$25.00$25.003/25/2010 3:56:59 PM
briphi$25.00$25.003/25/2010 3:57:52 PM
ideal-penny8$25.00$25.003/25/2010 3:58:01 PM
inspired-contract9$50.00$47.513/25/2010 3:58:05 PM
windfall46$25.00$25.003/25/2010 3:56:29 PM
versatile-platinum4$25.00$25.003/25/2010 3:57:29 PM
honorable-yield$50.00$50.003/25/2010 3:57:34 PM
Dreamconnection$25.00$25.003/25/2010 3:57:44 PM
julijask$35.00$35.003/25/2010 4:14:15 PM
blot44$25.00$25.003/25/2010 4:47:53 PM
Approved$44.49$44.493/25/2010 4:30:13 PM
selector568$25.00$25.003/25/2010 5:12:58 PM
dontscrewmeover1$50.00$50.003/26/2010 5:26:22 PM
swissbanker$50.00$50.003/28/2010 10:04:51 PM
octoberfresh$25.00$25.003/29/2010 11:55:59 AM
KandKLegacyInvestments$25.00$25.003/25/2010 3:56:22 PM
Attract$25.00$25.003/25/2010 3:57:48 PM
successful-euro$50.00$50.003/25/2010 3:57:48 PM
skvat$25.00$25.003/25/2010 3:57:07 PM
transparency-halo$25.00$25.003/25/2010 3:57:12 PM
payment-gusto$25.00$25.003/25/2010 3:57:20 PM
xphile$25.00$25.003/25/2010 3:57:53 PM
RandyL3$33.00$33.003/25/2010 4:14:11 PM
cloud8$40.00$40.003/25/2010 7:58:01 PM
payontime1$50.00$50.003/25/2010 9:34:39 PM
GoGators01$25.00$25.003/26/2010 1:28:22 PM
khamlagirl$25.00$25.003/27/2010 10:01:51 AM
Finchy78$25.00$25.003/28/2010 9:05:07 AM
bonus-adventure3$25.00$25.003/29/2010 6:35:44 AM
31 bids
 
Borrower Payment Dependent Notes Series 451636
This series of Notes was issued and sold upon the funding of the borrower loan #41581, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Mar-24-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $203.56
 
Auction yield range: 17.04% - 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: Dec-1992 Debt/Income ratio: 27%
Basic (1-10): 5 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 21 / 16Length of status:1y 9m
Credit score: 640-659 (Mar-2010) Total credit lines: 58 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $25,313Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: safebet03 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 58 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,100.00< mo. late: 0 ( 0% )  
660-679 (Jan-2008)
640-659 (Jun-2007)
 
Principal balance: $517.68 1+ mo. late: 0 ( 0% )
Total payments billed: 58  
Description
Debt Consolidation-3rd Prosper Loan
Purpose of loan:
Working towards paying off my credit cards.? The loan will be used to pay off high interest credit card.? The monthly payment on the loan will be?about the same as the?monthly recurring minimum payment is on the credit card I will be paying off.? The difference, obviously, will be that the loan will be paid off in 36 months.

My financial situation:
I have never been late on any bills or have ever filed for bankruptcy.? I have borrowed twice from Prosper before.? I have never missed or been late with a payment. Please view my Prosper Activity information for payment history.? I have just recently paid off an earlier prosper loan.? I am not a default risk.? I just made the mistake of paying for a wedding/furniture on credit cards.? Now I?m just looking for a more efficient/effective way to pay down these outstanding debts.

Monthly net income: $ 6,667

Monthly expenses: $?
??Housing: $ 800???
? Car expenses: $ 553??
? Utilities: $?100??
? Phone, cable, internet: $ 95??
? Credit cards/student loans: $1,000
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$450.00$450.003/24/2010 1:56:03 PM
heerzaquestion$25.00$25.003/24/2010 3:03:53 PM
DasMula$50.00$50.003/24/2010 2:01:56 PM
DasMula$25.00$25.003/24/2010 2:03:27 PM
Bob450$50.00$50.003/24/2010 2:25:37 PM
honorable-yield$25.00$25.003/24/2010 4:19:29 PM
CA_Lender$25.00$25.003/24/2010 3:53:56 PM
JustMee$25.00$25.003/24/2010 7:39:28 PM
Skeptical-one$50.00$50.003/25/2010 8:17:45 AM
innovator2$100.00$100.003/25/2010 3:34:36 PM
big_balla$25.00$25.003/25/2010 5:51:36 PM
Peterman$25.00$25.003/25/2010 5:53:57 PM
Aberdeen$350.00$350.003/25/2010 8:12:49 PM
quicksilver70$25.00$25.003/25/2010 10:13:22 PM
Bomber$46.01$46.013/26/2010 5:23:50 AM
new-peso-concerto$50.00$50.003/26/2010 6:12:50 AM
YurshotCapital$55.00$55.003/26/2010 7:08:03 AM
DasMula$50.00$50.003/24/2010 2:02:17 PM
DasMula$50.00$50.003/24/2010 2:03:02 PM
myutmost$41.35$41.353/24/2010 3:03:14 PM
JustMee$25.00$25.003/24/2010 7:38:33 PM
FarmersBank$50.00$50.003/25/2010 6:43:52 AM
exchange-cowbell5$100.00$100.003/24/2010 10:49:15 PM
YoungTaxMan$634.03$634.033/25/2010 12:56:34 PM
retired272$25.00$25.003/25/2010 11:27:36 AM
selector568$50.00$37.093/25/2010 1:44:55 PM
lucrative-loan$36.52$36.523/25/2010 4:21:12 PM
jhouman$25.00$25.003/25/2010 4:30:51 PM
tigercat$50.00$50.003/25/2010 5:19:51 PM
gold-cluster$100.00$100.003/25/2010 7:55:22 PM
SolarMoonshine$25.00$25.003/25/2010 5:36:51 PM
Aberdeen$350.00$350.003/25/2010 8:12:53 PM
Aberdeen$350.00$350.003/25/2010 8:13:00 PM
bazaar-pizza$250.00$250.003/25/2010 8:08:52 PM
Aberdeen$350.00$350.003/25/2010 8:13:02 PM
FarmersBank$50.00$50.003/26/2010 6:17:49 AM
finance-prescription$500.00$500.003/26/2010 6:28:18 AM
37 bids
 
Borrower Payment Dependent Notes Series 451652
This series of Notes was issued and sold upon the funding of the borrower loan #41523, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Mar-24-2010 
  Auction end date:  Mar-27-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.73% Final monthly payment: $67.85
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
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: Apr-1992 Debt/Income ratio: 12%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 13Length of status:2y 11m
Credit score: 660-679 (Mar-2010) Total credit lines: 35 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $26,588Stated income:$100,000+
Amount delinquent: $474 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sfgate Borrower's state: California Borrower's group: Not Active
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
660-679 (Sep-2007)
640-659 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 10  
Description
need help to consolidate cc debts
Purpose of loan:
This is my second Prosper loan. I used the first to get out of credit card debt, and I've even bought my first place now! Thank you Prosper lenders. I now need a smaller loan to help with me our as I recover from recent down payment and moving expenses.

My financial situation:
I have a good education (MBA from a top school) and am well-employed. I have a good track record of paying on time for my auto loans, rent and other commitments.

The one current blemish on my credit report is due to a dispute with AT&T. I was caught in a billing mess between Cingular and AT&T when they merged and it has taken me six months clear it up. It's still not resolved so it is showing $471 unpaid. I'm currently working to get this cleared up.

My monthly budget:
Mortgage/rent: $2500
Insurance: $200
Car expenses: $500
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses $200
Credit cards and other loan payments: $500 including student loans?
Other expenses: $
---------------------------------------
Total monthly expenses: $4,400
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.003/24/2010 9:48:48 AM
chameleon125$50.00$50.003/25/2010 7:44:10 AM
victor111$100.00$100.003/25/2010 1:28:04 PM
periko$50.00$50.003/25/2010 6:31:55 PM
innovator2$39.97$39.973/25/2010 6:43:16 PM
tigercat$50.00$50.003/25/2010 5:26:44 PM
LAKETIME$25.00$25.003/26/2010 6:13:38 AM
new-peso-concerto$50.00$50.003/26/2010 6:30:07 AM
Kash2010lu$35.00$35.003/26/2010 8:45:01 AM
dcm6276$25.00$25.003/26/2010 10:18:47 AM
Peterman$25.00$25.003/26/2010 2:09:42 PM
chato2345$100.00$100.003/26/2010 6:23:39 PM
big_balla$25.00$25.003/27/2010 12:24:23 AM
penny-sergeant$25.00$25.003/27/2010 7:00:00 AM
gbruenin$25.00$25.003/24/2010 7:11:31 PM
bobd32$25.00$25.003/25/2010 2:13:32 PM
SolarMoonshine$25.00$25.003/25/2010 5:43:08 PM
brother_tam$200.00$200.003/25/2010 5:21:45 PM
buffalobills$25.00$25.003/25/2010 5:48:54 PM
aztocas$25.00$25.003/25/2010 8:25:45 PM
PrincessGrace33$25.00$25.003/25/2010 9:38:54 PM
seadogs$25.00$25.003/26/2010 6:41:38 AM
dynrep$25.00$25.003/26/2010 3:41:01 PM
blitzen40$25.00$25.003/26/2010 12:43:51 PM
lucrative-loan$122.32$122.323/26/2010 3:30:51 PM
five-star-note$106.98$106.983/26/2010 4:35:59 PM
gold-cluster$100.00$100.003/26/2010 9:11:55 PM
nimble-cash7$100.00$95.733/27/2010 6:02:10 AM
hawk357$25.00$25.003/27/2010 6:35:52 AM
29 bids