Sales Report:Supplement No. 169 dated Apr 05, 2010 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
381712
This series of Notes was issued and sold upon the funding of the borrower loan #41588, 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-18-2010 |
|
Auction end date:
| Mar-23-2010 |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $96.80 |
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $95.68 |
|
Auction yield range:
| 4.04% - 9.00% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 0m |
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 9 |
Occupation: | Student - College S... |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,364 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| mroc237 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Student Expenses
Purpose of loan:
I am using this loan to pay off some credit card debt (about $1000) and some student loans.
My financial situation:
I am undergraduate business student and for one understand the vast importance of maintaining a good credit history. I do have an income as I have a work-study job at college and work for the Atlanta Braves part-time (the picture is of me taking batting practice at Turner Field). My income is not incredibly high but is more than sufficient to pay for this loan. Look at my credit history and you will see I have never once made a late payment on any account (I have had a credit card for the last four years). I have an extremely high credit score and prosper rating given my young age.
In addition to being a hard working student and employee who has never has made a late payment in his life I have very supportive parents and other family. If I really needed to in a worst case scenario I could ask them for the money to pay for this loan's payments. I do not forsee that happening though, as like I said I have sufficient income. I am also going to prosper first rather? than directly to family because I value being independent and responsible.
Please bid knowing that I will make all payments on time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
durability-balance4 | $33.70 | $33.70 | 3/18/2010 4:21:49 PM |
SBT | $29.95 | $29.95 | 3/18/2010 4:21:55 PM |
29Palms | $25.00 | $25.00 | 3/18/2010 4:21:52 PM |
starikrai | $50.00 | $50.00 | 3/18/2010 4:21:45 PM |
Clambake | $50.00 | $50.00 | 3/18/2010 4:32:19 PM |
personal-lender | $25.00 | $25.00 | 3/18/2010 4:32:52 PM |
torion | $25.00 | $25.00 | 3/18/2010 4:32:24 PM |
AF-Chief | $27.00 | $27.00 | 3/18/2010 4:27:23 PM |
fightinjoe | $25.00 | $25.00 | 3/18/2010 4:33:16 PM |
bonus-adventure3 | $25.00 | $25.00 | 3/18/2010 4:33:31 PM |
HedgeFund | $40.00 | $40.00 | 3/18/2010 4:36:13 PM |
chestnut4 | $25.00 | $25.00 | 3/18/2010 4:36:00 PM |
ddog0224 | $25.00 | $25.00 | 3/18/2010 4:36:27 PM |
bid-papyrus | $25.00 | $25.00 | 3/18/2010 4:54:30 PM |
mg6619 | $25.00 | $25.00 | 3/18/2010 4:56:42 PM |
investment-oasis | $25.00 | $25.00 | 3/18/2010 4:56:50 PM |
desertoasis | $25.00 | $25.00 | 3/18/2010 4:41:14 PM |
currency-zenith | $40.89 | $40.89 | 3/18/2010 4:56:39 PM |
plentiful-reward | $50.00 | $50.00 | 3/18/2010 6:12:49 PM |
Fingar | $25.00 | $25.00 | 3/18/2010 6:13:06 PM |
schnatty | $25.00 | $25.00 | 3/18/2010 5:57:16 PM |
red-undaunted-kindness | $29.95 | $29.95 | 3/18/2010 6:13:28 PM |
shiny-revenue | $25.00 | $25.00 | 3/18/2010 6:13:45 PM |
money-explorer3 | $25.00 | $25.00 | 3/18/2010 6:12:32 PM |
success1001 | $33.66 | $33.66 | 3/18/2010 6:14:16 PM |
ookete | $25.00 | $25.00 | 3/18/2010 6:12:40 PM |
helping-out | $25.00 | $25.00 | 3/18/2010 6:13:20 PM |
thunderd | $25.00 | $25.00 | 3/18/2010 4:56:49 PM |
Havana21 | $50.00 | $50.00 | 3/18/2010 6:13:51 PM |
gracej | $25.00 | $25.00 | 3/18/2010 6:14:11 PM |
RetiredATC | $25.00 | $25.00 | 3/18/2010 6:14:22 PM |
aasx1108 | $25.00 | $25.00 | 3/18/2010 6:37:49 PM |
jrbill1998 | $31.61 | $31.61 | 3/18/2010 7:43:00 PM |
gain-seagull9 | $25.00 | $25.00 | 3/18/2010 6:13:27 PM |
chicago1228 | $25.00 | $25.00 | 3/18/2010 8:02:17 PM |
Vetrepreneur | $25.00 | $25.00 | 3/18/2010 6:13:49 PM |
redrock007 | $25.00 | $25.00 | 3/18/2010 6:14:06 PM |
bold-durability-drum | $25.00 | $25.00 | 3/18/2010 6:14:12 PM |
top-silver-american | $25.00 | $25.00 | 3/18/2010 6:14:15 PM |
MissionMicroFinance | $25.00 | $25.00 | 3/18/2010 8:27:23 PM |
happy-return4 | $25.00 | $25.00 | 3/18/2010 8:53:05 PM |
kmprospeo | $25.00 | $25.00 | 3/18/2010 8:57:13 PM |
jasonj72 | $25.00 | $25.00 | 3/18/2010 9:02:56 PM |
gavinfh | $25.00 | $25.00 | 3/18/2010 7:32:22 PM |
leodaguy | $25.00 | $25.00 | 3/18/2010 7:52:38 PM |
jigsaw | $50.56 | $50.56 | 3/18/2010 10:13:07 PM |
tenacious-compassion9 | $25.00 | $25.00 | 3/18/2010 8:38:44 PM |
KillerHOO | $35.00 | $35.00 | 3/18/2010 9:43:55 PM |
kmfreymi | $25.00 | $4.86 | 3/18/2010 10:13:25 PM |
julijask | $35.00 | $35.00 | 3/23/2010 9:12:15 AM |
TheWainer | $25.00 | $25.00 | 3/23/2010 1:16:38 PM |
infinitykid | $25.00 | $25.00 | 3/18/2010 4:21:47 PM |
inspired-contract9 | $25.00 | $25.00 | 3/18/2010 4:33:22 PM |
flexible-value | $26.00 | $26.00 | 3/18/2010 4:34:06 PM |
successful-euro | $50.00 | $50.00 | 3/18/2010 4:34:11 PM |
important-ore | $50.00 | $50.00 | 3/18/2010 4:35:09 PM |
Avala | $50.00 | $50.00 | 3/18/2010 4:32:35 PM |
delicious-social132 | $25.00 | $25.00 | 3/18/2010 4:32:57 PM |
sharp-bill2 | $40.00 | $40.00 | 3/18/2010 4:40:18 PM |
HHP | $25.00 | $25.00 | 3/18/2010 4:40:26 PM |
integrity-doctor | $50.00 | $50.00 | 3/18/2010 4:34:26 PM |
rapid-credit428 | $25.00 | $25.00 | 3/18/2010 4:36:33 PM |
zeraphm | $25.00 | $25.00 | 3/18/2010 4:56:37 PM |
hitsman | $50.00 | $50.00 | 3/18/2010 4:56:44 PM |
progressive-asset | $27.04 | $27.04 | 3/18/2010 5:22:18 PM |
siesta100 | $25.00 | $25.00 | 3/18/2010 6:12:26 PM |
supreme-hope | $25.00 | $25.00 | 3/18/2010 5:57:21 PM |
nanda | $25.00 | $25.00 | 3/18/2010 6:14:03 PM |
VPRLLC | $25.00 | $25.00 | 3/18/2010 6:12:27 PM |
uwinwewin | $25.00 | $25.00 | 3/18/2010 6:14:10 PM |
moola-man | $30.00 | $30.00 | 3/18/2010 6:12:58 PM |
jdrez | $25.00 | $25.00 | 3/18/2010 6:23:36 PM |
a-finance-nirvana | $25.00 | $25.00 | 3/18/2010 4:56:34 PM |
jokerj006 | $25.00 | $25.00 | 3/18/2010 6:13:46 PM |
bkwest01 | $100.00 | $100.00 | 3/18/2010 6:14:00 PM |
sympathetic-asset | $25.00 | $25.00 | 3/18/2010 6:14:08 PM |
macjp123 | $25.00 | $25.00 | 3/18/2010 6:14:17 PM |
piter-to-la-investment | $25.00 | $25.00 | 3/18/2010 6:42:29 PM |
tenacious-commitment6 | $25.00 | $25.00 | 3/18/2010 5:12:16 PM |
treasure-bliss | $54.40 | $54.40 | 3/18/2010 6:52:37 PM |
cordial-funds8 | $25.00 | $25.00 | 3/18/2010 7:17:17 PM |
Vegasjim | $25.00 | $25.00 | 3/18/2010 7:37:29 PM |
kanakakm | $25.00 | $25.00 | 3/18/2010 6:03:26 PM |
Microfinancer | $25.00 | $25.00 | 3/18/2010 6:04:39 PM |
AnnB8 | $25.00 | $25.00 | 3/18/2010 7:47:17 PM |
treasure-hunter270 | $25.00 | $25.00 | 3/18/2010 6:12:34 PM |
studious-bonus7 | $49.15 | $49.15 | 3/18/2010 6:13:44 PM |
a-goal-bill | $25.00 | $25.00 | 3/18/2010 6:14:01 PM |
kmr2 | $65.88 | $65.88 | 3/18/2010 6:24:02 PM |
shrewd-peace7 | $25.00 | $25.00 | 3/18/2010 8:47:16 PM |
stollcm | $25.00 | $25.00 | 3/18/2010 8:47:15 PM |
accordion8 | $40.35 | $40.35 | 3/18/2010 8:52:43 PM |
tranquil-diversification8 | $25.00 | $25.00 | 3/18/2010 7:32:19 PM |
rlecour | $25.00 | $25.00 | 3/18/2010 9:43:38 PM |
tripnosis | $25.00 | $25.00 | 3/18/2010 9:43:19 PM |
ToweringDan | $50.00 | $50.00 | 3/20/2010 12:50:13 AM |
JohnSmith10 | $25.00 | $25.00 | 3/21/2010 9:33:40 AM |
JDLanier | $25.00 | $25.00 | 3/23/2010 9:55:33 AM |
98 bids
|
Borrower Payment Dependent Notes Series
450218
This series of Notes was issued and sold upon the funding of the borrower loan #41603, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Mar-12-2010 |
|
Auction end date:
| Mar-19-2010 |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 31.34% |
Starting monthly payment:
| $41.03 |
Final lender yield:
| 24.95% |
Final borrower rate/APR:
| 25.95% / 29.88% |
Final monthly payment:
| $40.26 |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.33% | | |
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-2003 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 6m |
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 10 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $335 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ashleyn12 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 84% )
| 640-659 (Latest)
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 3
( 16% )
| 640-659
(Sep-2009)
600-619
(Jul-2008)
|
Principal balance:
| $464.72 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Finishing Last College Semester
I am finishing my last semester of college and I need to pay for the classes. I would prefer to have a loan through prosper than student loans. I currently have a loan thru prosper that I am paying monthly. When I finish my last semester I will be paying both loans back immediately. If you have any further questions please feel free to ask.
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
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
brother_tam | $50.00 | $50.00 | 3/16/2010 5:58:29 PM |
social-hunter5 | $37.71 | $37.71 | 3/17/2010 6:22:25 PM |
SolarMoonshine | $25.00 | $25.00 | 3/18/2010 5:53:44 PM |
wild-orange | $50.00 | $50.00 | 3/19/2010 1:39:21 AM |
NekHoldings | $25.00 | $25.00 | 3/19/2010 5:04:56 AM |
Mikale360 | $25.00 | $25.00 | 3/19/2010 8:40:24 AM |
Leshan | $84.92 | $84.92 | 3/19/2010 12:31:16 PM |
ultimate-peace | $100.00 | $100.00 | 3/19/2010 2:45:26 PM |
ultimate-peace | $300.00 | $264.11 | 3/19/2010 2:44:30 PM |
Lubava | $26.00 | $26.00 | 3/19/2010 2:46:57 PM |
DasMula | $25.00 | $25.00 | 3/19/2010 3:38:54 PM |
carrinel | $159.00 | $159.00 | 3/16/2010 4:23:59 PM |
E-B | $50.00 | $50.00 | 3/19/2010 3:55:24 AM |
Zachilles | $53.26 | $53.26 | 3/19/2010 7:40:38 AM |
dRatedOnly | $25.00 | $25.00 | 3/19/2010 11:20:21 AM |
15 bids
|
Borrower Payment Dependent Notes Series
450912
This series of Notes was issued and sold upon the funding of the borrower loan #41597, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $4,250.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Mar-19-2010 |
|
Auction end date:
| Mar-26-2010 |
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $135.90 |
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $135.54 |
|
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:
| Sep-2002 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 7m |
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 15 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,113 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| benefit-sage |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
A Car for work and fishing
Purpose of loan:
This loan will be used have a more reliable car to drive to work.? I have one car now but it is a little older but runs well.
My financial situation:
I am a good candidate for this loan because i have payed my debts my whole life on time.? Why would i change now.? I have a job i have worked at for 3 years and work full time. I just sold a car that i was paying 430$ a month for and insurance of 130$ a month. My insurance is now 14$ a month on my subaru. I have freed up alot of cash. Im looking to just get a car that gets good gas milage that i can take fishing and drive to work.? Thank you for your time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
kenji4861 | $25.00 | $25.00 | 3/19/2010 3:53:14 PM |
KandKLegacyInvestments | $25.00 | $25.00 | 3/19/2010 3:54:56 PM |
AF-Chief | $28.00 | $28.00 | 3/19/2010 3:54:28 PM |
asset-professor | $97.49 | $97.49 | 3/19/2010 3:58:38 PM |
AFairDeal | $25.00 | $25.00 | 3/19/2010 4:00:33 PM |
personal-lender | $25.00 | $25.00 | 3/19/2010 3:59:43 PM |
integrity-doctor | $50.00 | $50.00 | 3/19/2010 4:00:48 PM |
restless-currency | $25.00 | $25.00 | 3/19/2010 4:00:55 PM |
delicious-social132 | $40.00 | $40.00 | 3/19/2010 3:59:06 PM |
MarinLoans | $25.00 | $25.00 | 3/19/2010 4:01:49 PM |
successful-euro | $75.00 | $75.00 | 3/19/2010 4:00:38 PM |
chestnut4 | $25.00 | $25.00 | 3/19/2010 4:01:34 PM |
lender987654321 | $25.00 | $25.00 | 3/19/2010 4:01:01 PM |
contract-lotus | $25.00 | $25.00 | 3/19/2010 4:02:30 PM |
courteous-fund9 | $25.00 | $25.00 | 3/19/2010 4:02:02 PM |
exchange-fountain | $25.00 | $25.00 | 3/19/2010 4:05:00 PM |
HHP | $25.00 | $25.00 | 3/19/2010 4:02:24 PM |
desertoasis | $50.00 | $50.00 | 3/19/2010 4:02:35 PM |
selector568 | $229.64 | $229.64 | 3/19/2010 4:14:20 PM |
studious-bonus7 | $50.00 | $50.00 | 3/19/2010 4:03:31 PM |
Rivervale_Westwood | $25.00 | $25.00 | 3/19/2010 4:03:38 PM |
don8ter | $25.00 | $25.00 | 3/19/2010 4:03:54 PM |
goodguy2000 | $25.00 | $25.00 | 3/19/2010 4:05:20 PM |
cash-vault | $25.00 | $25.00 | 3/19/2010 5:27:17 PM |
gulch | $25.00 | $25.00 | 3/19/2010 7:42:28 PM |
OldFriend | $25.00 | $25.00 | 3/19/2010 9:57:49 PM |
figs4u2 | $25.00 | $25.00 | 3/20/2010 3:47:19 AM |
grampy48 | $25.00 | $25.00 | 3/20/2010 3:54:14 AM |
sharp-bill2 | $40.00 | $40.00 | 3/20/2010 4:46:38 AM |
cathexis | $100.00 | $100.00 | 3/20/2010 5:42:24 AM |
dontscrewmeover1 | $25.00 | $25.00 | 3/20/2010 8:56:52 AM |
macjp123 | $25.00 | $25.00 | 3/20/2010 9:02:52 AM |
progressive-asset | $100.00 | $100.00 | 3/20/2010 9:03:03 AM |
bchen78875 | $25.00 | $25.00 | 3/20/2010 10:45:00 AM |
auction-elvis | $25.00 | $25.00 | 3/20/2010 11:07:16 AM |
Tahoeguy | $50.00 | $50.00 | 3/20/2010 11:32:12 AM |
ugapolsci | $25.00 | $25.00 | 3/20/2010 4:12:58 PM |
hitsman | $50.00 | $19.56 | 3/20/2010 4:14:35 PM |
tisiphone | $25.00 | $25.00 | 3/22/2010 11:24:26 AM |
wise-cash-keeper | $50.00 | $50.00 | 3/22/2010 11:48:55 AM |
smalltown_mn | $25.00 | $25.00 | 3/24/2010 10:53:41 AM |
webfeet | $25.00 | $25.00 | 3/25/2010 6:18:18 AM |
marwadi-62 | $100.00 | $100.00 | 3/25/2010 6:41:01 PM |
felicity-loyalist0 | $35.00 | $35.00 | 3/25/2010 5:26:12 PM |
colorfulgardener | $25.00 | $25.00 | 3/25/2010 6:18:36 PM |
Lender0307 | $25.00 | $25.00 | 3/25/2010 9:00:09 PM |
liederhaus | $50.00 | $50.00 | 3/25/2010 8:29:01 PM |
Leopoldine | $25.00 | $25.00 | 3/26/2010 9:53:47 AM |
jybank | $25.00 | $25.00 | 3/26/2010 10:39:24 AM |
the-profit-oracle | $25.00 | $25.00 | 3/26/2010 3:42:52 PM |
jayk63 | $25.00 | $25.00 | 3/26/2010 2:22:25 PM |
wwwUniversal | $25.00 | $25.00 | 3/26/2010 3:25:47 PM |
fiddlerzvi | $25.00 | $25.00 | 3/19/2010 3:52:17 PM |
Microfinancer | $25.00 | $25.00 | 3/19/2010 3:58:35 PM |
skuba | $50.00 | $50.00 | 3/19/2010 3:58:42 PM |
flexible-value | $31.00 | $31.00 | 3/19/2010 3:59:13 PM |
credit-force5 | $25.00 | $25.00 | 3/19/2010 3:59:34 PM |
inspired-contract9 | $50.00 | $50.00 | 3/19/2010 3:56:57 PM |
fightinjoe | $25.00 | $25.00 | 3/19/2010 3:58:45 PM |
bonus-adventure3 | $25.00 | $25.00 | 3/19/2010 3:59:52 PM |
lendersf | $95.00 | $95.00 | 3/19/2010 4:00:00 PM |
turbospeed | $25.00 | $25.00 | 3/19/2010 4:00:37 PM |
Clambake | $50.00 | $50.00 | 3/19/2010 3:59:17 PM |
TakeCare | $50.00 | $50.00 | 3/19/2010 4:01:30 PM |
torion | $25.00 | $25.00 | 3/19/2010 3:59:21 PM |
Avala | $50.00 | $50.00 | 3/19/2010 3:59:28 PM |
HedgeFund | $40.00 | $40.00 | 3/19/2010 4:01:44 PM |
important-ore | $50.00 | $50.00 | 3/19/2010 4:01:09 PM |
bigballer105 | $50.00 | $50.00 | 3/19/2010 4:00:28 PM |
fcukciti | $50.00 | $50.00 | 3/19/2010 4:02:14 PM |
loan-warrior | $25.00 | $25.00 | 3/19/2010 4:01:40 PM |
unforgettable-order9 | $100.00 | $100.00 | 3/19/2010 4:01:19 PM |
kchen486 | $25.00 | $25.00 | 3/19/2010 4:02:18 PM |
responsibility-euphoria0 | $25.00 | $25.00 | 3/19/2010 4:04:06 PM |
ddog0224 | $25.00 | $25.00 | 3/19/2010 4:01:52 PM |
skvat | $25.00 | $25.00 | 3/19/2010 4:03:11 PM |
transparency-halo | $25.00 | $25.00 | 3/19/2010 4:04:09 PM |
payment-gusto | $25.00 | $25.00 | 3/19/2010 4:05:09 PM |
micko | $25.00 | $25.00 | 3/19/2010 4:15:29 PM |
rosie777 | $25.00 | $25.00 | 3/19/2010 7:07:51 PM |
ngmansfield | $25.00 | $25.00 | 3/19/2010 7:27:15 PM |
radforj22 | $25.00 | $25.00 | 3/20/2010 3:22:15 AM |
Binan | $25.00 | $25.00 | 3/20/2010 4:44:02 AM |
orange-preeminant-bill | $100.00 | $100.00 | 3/20/2010 7:42:19 AM |
aurorafinancial | $50.00 | $50.00 | 3/20/2010 7:58:10 AM |
mg6619 | $25.00 | $25.00 | 3/20/2010 9:02:50 AM |
tenacious-compassion9 | $25.00 | $25.00 | 3/20/2010 9:02:53 AM |
antlr | $25.00 | $25.00 | 3/20/2010 11:02:24 AM |
gnuey | $25.00 | $25.00 | 3/20/2010 2:17:20 PM |
litespeedpf | $25.00 | $25.00 | 3/20/2010 12:57:18 PM |
rromanchuk | $25.00 | $25.00 | 3/20/2010 1:42:14 PM |
nletunic | $25.00 | $25.00 | 3/20/2010 4:14:33 PM |
RandyL3 | $33.00 | $33.00 | 3/21/2010 6:37:27 AM |
the-bright-velocity | $25.00 | $25.00 | 3/22/2010 10:22:05 AM |
BHopkins | $50.00 | $50.00 | 3/22/2010 2:38:45 PM |
thrilling-nickel5 | $25.00 | $25.00 | 3/22/2010 5:37:33 PM |
SeaLoans | $25.00 | $25.00 | 3/25/2010 2:41:39 PM |
Patrician | $29.16 | $29.16 | 3/25/2010 12:52:32 PM |
JerryB96 | $25.00 | $25.00 | 3/25/2010 3:26:25 PM |
PalmerTheEmbalmer | $25.00 | $25.00 | 3/25/2010 4:34:00 PM |
JohnSmith10 | $25.00 | $25.00 | 3/25/2010 5:44:52 PM |
improvman | $25.00 | $25.00 | 3/25/2010 7:24:34 PM |
Chewbaca | $25.00 | $25.00 | 3/26/2010 5:50:09 AM |
NYCLAIMSGUY | $25.00 | $25.00 | 3/26/2010 7:03:43 AM |
mitcha1 | $25.00 | $25.00 | 3/26/2010 4:56:55 AM |
credit-vinyl | $25.50 | $25.50 | 3/26/2010 9:33:17 AM |
mroew | $25.00 | $25.00 | 3/26/2010 8:27:11 AM |
webfeet | $25.00 | $25.00 | 3/26/2010 7:01:19 AM |
manthrax3 | $50.00 | $50.00 | 3/26/2010 10:07:32 AM |
Bidwinner08 | $25.00 | $25.00 | 3/26/2010 10:52:12 AM |
rce1964 | $25.00 | $25.00 | 3/26/2010 12:13:02 PM |
Google_Me | $106.65 | $106.65 | 3/26/2010 1:11:44 PM |
friendinmoney | $25.00 | $25.00 | 3/26/2010 1:20:08 PM |
Ven58 | $25.00 | $25.00 | 3/26/2010 3:03:44 PM |
MacAtk | $50.00 | $50.00 | 3/26/2010 2:47:17 PM |
115 bids
|
Borrower Payment Dependent Notes Series
451104
This series of Notes was issued and sold upon the funding of the borrower loan #41668, 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-22-2010 |
|
Auction end date:
| Mar-29-2010 |
|
Starting lender yield:
| 14.03% |
Starting borrower rate/APR:
| 15.03% / 17.20% |
Starting monthly payment:
| $346.80 |
Final lender yield:
| 13.85% |
Final borrower rate/APR:
| 14.85% / 17.02% |
Final monthly payment:
| $345.92 |
|
Auction yield range:
| 6.04% - 14.03% |
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:
| Sep-1998 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 0y 1m |
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 21 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,775 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| valiant-compassion |
Borrower's state:
| Virginia |
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
Combine ALL credit card payments!
Purpose of loan:
This loan will be used to consolidate all my credit card debts into one lump sum payment. I want to lower the amount of interest paid to creditors and ensure my debts are paid off in a timely fashion.
My financial situation:
I am a good candidate for this loan because I value my credit and smart with my money. I have never been late or missed a payment in my life. Fortunately I was blessed with credit cards in the college years, but unfortunately had to utilize a lot of the available credit to support myself through school. I would like to pay off all my debts and live debt free once and for all.
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 your job currently? What did you do before this job? - Finspons
A:
Thanks for the inquiry. I'm currently working for a Dept of Defense Government contractor as a Sr. Technical Recruiter. Previously I was located in Silicon Valley where I was a Technical Recruiter at Google headquarters and Paypal/eBay previously. Any other questions, please feel free to ask.
(Mar-23-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
AF-Chief | $27.00 | $27.00 | 3/22/2010 4:21:06 PM |
delicious-social132 | $25.00 | $25.00 | 3/22/2010 4:31:47 PM |
fightinjoe | $25.00 | $25.00 | 3/22/2010 4:32:22 PM |
inspired-contract9 | $25.00 | $25.00 | 3/22/2010 4:32:33 PM |
Clambake | $50.00 | $50.00 | 3/22/2010 4:30:40 PM |
torion | $25.00 | $25.00 | 3/22/2010 4:30:53 PM |
ddog0224 | $25.00 | $25.00 | 3/22/2010 4:36:46 PM |
HHP | $25.00 | $25.00 | 3/22/2010 4:37:47 PM |
bonus-adventure3 | $25.00 | $25.00 | 3/22/2010 4:32:47 PM |
successful-euro | $50.00 | $50.00 | 3/22/2010 4:33:41 PM |
don8ter | $25.00 | $25.00 | 3/22/2010 4:40:06 PM |
chestnut4 | $25.00 | $25.00 | 3/22/2010 4:35:58 PM |
studious-bonus7 | $50.00 | $50.00 | 3/22/2010 4:39:49 PM |
exchange-fountain | $25.00 | $25.00 | 3/22/2010 4:40:40 PM |
bchen78875 | $25.00 | $25.00 | 3/22/2010 4:43:27 PM |
responsible-investment0 | $50.00 | $50.00 | 3/22/2010 4:49:44 PM |
selector568 | $300.00 | $300.00 | 3/22/2010 4:43:09 PM |
chicco | $56.00 | $56.00 | 3/22/2010 4:48:01 PM |
responsibility-mulberry | $25.00 | $25.00 | 3/22/2010 4:46:04 PM |
CarDealer3070 | $25.00 | $25.00 | 3/22/2010 4:50:50 PM |
asset-professor | $75.00 | $75.00 | 3/22/2010 4:51:04 PM |
the-profit-oracle | $25.00 | $25.00 | 3/22/2010 5:30:50 PM |
the-silver-blaster | $40.00 | $40.00 | 3/22/2010 5:38:41 PM |
important-ore | $50.00 | $50.00 | 3/22/2010 5:39:10 PM |
JClives | $25.00 | $25.00 | 3/22/2010 5:51:56 PM |
aldenrains | $25.00 | $25.00 | 3/22/2010 5:52:56 PM |
BristolEnterprises | $25.00 | $25.00 | 3/22/2010 6:32:18 PM |
goodbob | $25.00 | $25.00 | 3/22/2010 9:07:28 PM |
Havana21 | $50.00 | $50.00 | 3/22/2010 10:44:08 PM |
darylc | $25.00 | $25.00 | 3/23/2010 6:02:23 AM |
macjp123 | $25.00 | $25.00 | 3/22/2010 10:28:07 PM |
rapid-credit428 | $25.00 | $25.00 | 3/22/2010 11:47:22 PM |
gulch | $25.00 | $25.00 | 3/23/2010 7:32:57 AM |
orange-preeminant-bill | $100.00 | $100.00 | 3/23/2010 4:40:51 AM |
wacko82 | $25.00 | $25.00 | 3/23/2010 8:52:38 AM |
reliable-silver7 | $25.00 | $25.00 | 3/23/2010 9:07:15 AM |
treasure-bliss | $100.00 | $100.00 | 3/23/2010 4:29:47 AM |
maintenanceboss | $25.00 | $25.00 | 3/23/2010 9:24:19 AM |
rhightower003 | $25.00 | $25.00 | 3/23/2010 9:33:31 AM |
GAOGERAM_BANK | $25.00 | $25.00 | 3/23/2010 7:32:55 AM |
TrixieD | $25.00 | $25.00 | 3/23/2010 7:33:01 AM |
blackberry9 | $25.00 | $25.00 | 3/23/2010 12:05:44 PM |
tallmon | $25.00 | $25.00 | 3/23/2010 11:33:09 AM |
SanCarlos | $52.24 | $52.24 | 3/23/2010 1:18:04 PM |
WarmWeather | $25.00 | $25.00 | 3/23/2010 3:27:41 PM |
windfall46 | $25.00 | $25.00 | 3/23/2010 4:58:53 PM |
Sol_Invictus | $25.00 | $25.00 | 3/23/2010 7:27:22 PM |
irrelevant | $25.00 | $25.00 | 3/24/2010 5:38:04 AM |
CommerciaLender | $25.00 | $25.00 | 3/24/2010 6:59:51 AM |
chekat | $25.00 | $25.00 | 3/24/2010 3:58:23 AM |
Finspons | $25.00 | $25.00 | 3/24/2010 8:02:49 AM |
totoro | $25.00 | $25.00 | 3/24/2010 10:57:04 AM |
kmwvma | $25.00 | $25.00 | 3/24/2010 11:08:35 AM |
TCR3 | $25.00 | $25.00 | 3/24/2010 11:09:15 AM |
Josta | $50.00 | $50.00 | 3/24/2010 1:04:11 PM |
brazilofmux | $87.40 | $87.40 | 3/24/2010 12:05:48 PM |
Aquani | $25.99 | $25.99 | 3/24/2010 3:00:09 PM |
curveylady | $25.00 | $25.00 | 3/24/2010 3:29:40 PM |
micko | $25.00 | $25.00 | 3/24/2010 3:58:23 PM |
WHEREISTHEMOON | $25.00 | $25.00 | 3/24/2010 7:23:05 PM |
movistar | $25.00 | $25.00 | 3/24/2010 8:23:22 PM |
jodilee31 | $31.44 | $31.44 | 3/25/2010 2:56:22 AM |
marala4285 | $25.00 | $25.00 | 3/24/2010 8:21:03 PM |
stock106 | $25.00 | $25.00 | 3/25/2010 6:04:09 AM |
bigphish | $25.00 | $25.00 | 3/25/2010 8:03:10 AM |
currency-sergeant | $25.00 | $25.00 | 3/25/2010 9:33:55 AM |
Nerdster1 | $25.00 | $25.00 | 3/25/2010 9:34:03 AM |
KandKLegacyInvestments | $25.00 | $25.00 | 3/25/2010 9:58:37 AM |
KiwiElf | $25.00 | $25.00 | 3/25/2010 11:47:35 AM |
dinero-speaker | $25.00 | $25.00 | 3/25/2010 12:20:07 PM |
massuot | $25.00 | $25.00 | 3/25/2010 10:58:16 AM |
mmckune | $25.00 | $25.00 | 3/25/2010 1:46:17 PM |
capital-web7 | $25.00 | $25.00 | 3/25/2010 1:53:28 PM |
jchurchi | $50.00 | $50.00 | 3/25/2010 2:33:09 PM |
dparkhom | $25.00 | $25.00 | 3/25/2010 1:13:43 PM |
mhotchan | $100.00 | $100.00 | 3/25/2010 2:48:23 PM |
cyberie21 | $40.00 | $40.00 | 3/25/2010 3:33:38 PM |
nodrivelpls | $25.00 | $25.00 | 3/25/2010 3:33:40 PM |
yield-lion | $25.00 | $25.00 | 3/25/2010 3:37:04 PM |
lloyd_s | $25.00 | $25.00 | 3/25/2010 3:41:01 PM |
LenderByDay | $25.00 | $25.00 | 3/25/2010 3:41:13 PM |
Trimalchio12 | $25.00 | $25.00 | 3/25/2010 3:41:53 PM |
Superc0ld | $39.67 | $39.67 | 3/25/2010 3:42:08 PM |
beachbum22 | $25.00 | $25.00 | 3/25/2010 3:42:12 PM |
Breakfast_Gypsy | $25.00 | $25.00 | 3/25/2010 3:42:31 PM |
aldeed | $25.00 | $25.00 | 3/25/2010 4:13:45 PM |
return-eclipse0 | $25.00 | $25.00 | 3/25/2010 4:38:35 PM |
cloud8 | $30.00 | $30.00 | 3/25/2010 7:23:51 PM |
DadWarbucks | $25.00 | $25.00 | 3/25/2010 8:52:56 PM |
LongTail | $25.00 | $25.00 | 3/26/2010 4:52:23 AM |
benefit-javelin | $25.00 | $25.00 | 3/26/2010 5:15:33 AM |
jdnyc | $25.00 | $25.00 | 3/25/2010 11:43:05 PM |
maldok1 | $25.00 | $25.00 | 3/26/2010 6:55:09 AM |
aganippe | $25.00 | $25.00 | 3/26/2010 6:00:05 AM |
phillipd48 | $50.00 | $50.00 | 3/26/2010 8:17:59 AM |
knight3136 | $25.00 | $25.00 | 3/26/2010 9:28:45 AM |
Artist_Blue | $25.00 | $25.00 | 3/26/2010 10:23:28 AM |
jibe-set | $26.45 | $26.45 | 3/26/2010 10:41:30 AM |
Tradesmanlender | $25.00 | $25.00 | 3/26/2010 9:37:44 AM |
zeelender | $25.00 | $25.00 | 3/26/2010 10:57:58 AM |
ttnk62918 | $25.00 | $25.00 | 3/26/2010 9:34:54 AM |
Interloper | $35.00 | $35.00 | 3/26/2010 10:41:32 AM |
ADIDASNO | $25.00 | $25.00 | 3/26/2010 12:13:26 PM |
duty-monger | $50.00 | $50.00 | 3/26/2010 9:57:20 AM |
tranquil-return4 | $25.00 | $25.00 | 3/26/2010 10:00:13 AM |
a-finance-nirvana | $25.00 | $25.00 | 3/26/2010 12:57:34 PM |
dollardave | $40.47 | $40.47 | 3/26/2010 12:57:56 PM |
ElChico124 | $25.00 | $25.00 | 3/26/2010 11:42:03 AM |
anton | $250.00 | $250.00 | 3/26/2010 2:58:07 PM |
flwah | $25.00 | $25.00 | 3/26/2010 12:22:25 PM |
unassuming-reward | $25.00 | $25.00 | 3/26/2010 3:40:01 PM |
Au-Ag-Pt | $25.00 | $25.00 | 3/26/2010 4:04:04 PM |
minista | $25.00 | $25.00 | 3/26/2010 1:35:51 PM |
treasure-generator | $25.00 | $25.00 | 3/26/2010 3:30:49 PM |
compassionate-commerce | $25.00 | $25.00 | 3/26/2010 2:23:14 PM |
champion08 | $25.99 | $25.99 | 3/26/2010 3:58:22 PM |
PhalanxBulldog | $25.00 | $19.85 | 3/26/2010 4:04:09 PM |
wphmd | $25.00 | $25.00 | 3/26/2010 5:23:51 PM |
miket71 | $100.00 | $100.00 | 3/26/2010 5:24:34 PM |
back-scratchers | $25.00 | $25.00 | 3/26/2010 5:54:26 PM |
spiff666 | $25.00 | $25.00 | 3/26/2010 7:58:45 PM |
DrNano | $50.00 | $50.00 | 3/26/2010 5:45:24 PM |
goodcents | $25.00 | $25.00 | 3/26/2010 6:12:04 PM |
rajs | $127.94 | $127.94 | 3/26/2010 6:18:36 PM |
wise-courageous-social | $25.00 | $25.00 | 3/26/2010 6:39:57 PM |
drysdale-sd | $25.00 | $25.00 | 3/27/2010 4:48:44 AM |
omahajay | $25.00 | $25.00 | 3/27/2010 8:00:11 AM |
Taz-Man-IIWIS | $25.00 | $25.00 | 3/27/2010 9:18:26 AM |
DG2007 | $25.00 | $25.00 | 3/27/2010 11:52:37 AM |
twerns | $40.00 | $40.00 | 3/27/2010 10:02:22 AM |
integrity-builder | $50.00 | $50.00 | 3/27/2010 4:51:34 PM |
Johnab | $25.00 | $25.00 | 3/27/2010 4:02:54 PM |
coup173 | $34.04 | $34.04 | 3/27/2010 4:38:53 PM |
credit-panda1 | $25.00 | $25.00 | 3/28/2010 6:00:49 AM |
durability-colonel | $50.00 | $50.00 | 3/27/2010 8:36:37 PM |
harddollars | $75.00 | $75.00 | 3/28/2010 12:27:25 PM |
knowonder | $50.00 | $50.00 | 3/28/2010 8:33:07 PM |
three-for-6 | $121.54 | $121.54 | 3/29/2010 7:28:14 AM |
interest-friendship | $73.00 | $73.00 | 3/29/2010 9:12:14 AM |
chanee83 | $50.00 | $50.00 | 3/29/2010 6:27:45 AM |
mitcha1 | $25.00 | $25.00 | 3/29/2010 7:03:27 AM |
Jinja | $35.00 | $35.00 | 3/29/2010 7:17:56 AM |
investment-tempo | $25.00 | $25.00 | 3/29/2010 8:04:30 AM |
bullwink27 | $25.00 | $25.00 | 3/29/2010 8:33:50 AM |
DasMula | $25.00 | $25.00 | 3/29/2010 1:13:26 PM |
intelligent-reward7 | $25.00 | $25.00 | 3/29/2010 12:19:28 PM |
chicagoprosper | $50.00 | $50.00 | 3/29/2010 12:54:35 PM |
pureliquidhw | $25.00 | $25.00 | 3/29/2010 1:28:49 PM |
silver-parsec | $25.00 | $25.00 | 3/29/2010 3:30:47 PM |
mistering | $50.00 | $50.00 | 3/29/2010 4:00:24 PM |
Avala | $50.00 | $50.00 | 3/22/2010 4:31:13 PM |
HedgeFund | $40.00 | $40.00 | 3/22/2010 4:36:24 PM |
personal-lender | $25.00 | $25.00 | 3/22/2010 4:31:35 PM |
principal-prodigy | $25.00 | $25.00 | 3/22/2010 4:37:21 PM |
integrity-doctor | $50.00 | $50.00 | 3/22/2010 4:33:53 PM |
desertoasis | $25.00 | $25.00 | 3/22/2010 4:42:12 PM |
aurorafinancial | $50.00 | $50.00 | 3/22/2010 4:42:33 PM |
flexible-value | $26.00 | $26.00 | 3/22/2010 4:42:58 PM |
harmonious-revenue7 | $50.00 | $50.00 | 3/22/2010 4:46:40 PM |
versatile-platinum4 | $25.00 | $25.00 | 3/22/2010 4:47:10 PM |
hrubinst | $25.00 | $25.00 | 3/22/2010 4:47:37 PM |
shrewd-deal | $25.00 | $25.00 | 3/22/2010 5:14:24 PM |
skuba | $25.00 | $25.00 | 3/22/2010 5:39:39 PM |
mg6619 | $25.00 | $25.00 | 3/22/2010 6:29:35 PM |
Mostyle | $25.00 | $25.00 | 3/23/2010 12:18:49 AM |
money-boomarang | $25.00 | $25.00 | 3/22/2010 9:02:34 PM |
Ripsaw4U | $25.00 | $25.00 | 3/23/2010 2:53:11 AM |
Reinadog9 | $25.00 | $25.00 | 3/22/2010 9:57:20 PM |
AW14 | $25.00 | $25.00 | 3/23/2010 4:32:42 AM |
worlds-best-auction | $25.00 | $25.00 | 3/23/2010 9:33:25 AM |
Panna | $25.00 | $25.00 | 3/23/2010 9:33:40 AM |
Supernick | $50.00 | $50.00 | 3/23/2010 11:01:22 AM |
economy-producer | $25.00 | $25.00 | 3/23/2010 9:33:15 AM |
r0b3m4n | $25.00 | $25.00 | 3/23/2010 9:33:51 AM |
GElender | $46.68 | $46.68 | 3/23/2010 12:15:11 PM |
zento | $25.00 | $25.00 | 3/23/2010 11:49:04 AM |
Marathoner | $25.00 | $25.00 | 3/23/2010 1:24:18 PM |
incbx | $25.00 | $25.00 | 3/23/2010 4:12:59 PM |
sharp-credit | $1,000.00 | $1,000.00 | 3/23/2010 4:45:09 PM |
diversification-medalist | $25.00 | $25.00 | 3/23/2010 11:38:54 PM |
stockpiler079 | $25.00 | $25.00 | 3/24/2010 12:08:37 AM |
Oakland | $50.00 | $50.00 | 3/24/2010 5:48:28 AM |
FairbairnSG | $25.00 | $25.00 | 3/24/2010 9:03:07 AM |
mikeandcat | $50.00 | $50.00 | 3/24/2010 11:14:07 AM |
RedCentre | $33.77 | $33.77 | 3/24/2010 11:51:00 AM |
lala_4_ever | $25.00 | $25.00 | 3/24/2010 1:02:58 PM |
honorable-yield | $50.00 | $50.00 | 3/24/2010 1:04:10 PM |
mpactlender | $25.00 | $25.00 | 3/24/2010 1:04:07 PM |
theaterguy | $25.00 | $25.00 | 3/24/2010 1:04:12 PM |
visionary-currency | $26.51 | $26.51 | 3/24/2010 3:51:10 PM |
ahansen | $25.00 | $25.00 | 3/24/2010 4:15:45 PM |
decisive-marketplace3 | $25.00 | $25.00 | 3/24/2010 3:18:07 PM |
mattblizz | $50.00 | $50.00 | 3/24/2010 6:58:01 PM |
cello1 | $25.00 | $25.00 | 3/24/2010 7:28:46 PM |
KTOWN | $25.00 | $25.00 | 3/24/2010 8:44:06 PM |
MAKEITAUTOMATIC | $25.00 | $25.00 | 3/25/2010 9:15:26 AM |
selfmademan | $25.00 | $25.00 | 3/25/2010 12:19:51 PM |
auction-turbine4 | $25.00 | $25.00 | 3/25/2010 2:54:32 PM |
mathprof | $25.00 | $25.00 | 3/25/2010 1:46:07 PM |
rmachi | $25.00 | $25.00 | 3/25/2010 3:40:49 PM |
skiberdad | $50.00 | $50.00 | 3/25/2010 3:41:45 PM |
biobulator | $25.00 | $25.00 | 3/25/2010 4:22:58 PM |
Eagledrop | $25.00 | $25.00 | 3/25/2010 7:28:00 PM |
mmmm1982 | $25.00 | $25.00 | 3/26/2010 6:55:02 AM |
Sealion | $50.00 | $50.00 | 3/25/2010 10:26:33 PM |
devoider | $25.00 | $25.00 | 3/26/2010 2:22:18 AM |
towering-contract | $25.00 | $25.00 | 3/26/2010 9:34:24 AM |
YellowJacket | $25.00 | $25.00 | 3/26/2010 9:34:39 AM |
hopethisworks | $31.51 | $31.51 | 3/26/2010 6:53:48 AM |
omerta6102 | $50.00 | $50.00 | 3/26/2010 9:36:23 AM |
webfeet | $25.00 | $25.00 | 3/26/2010 9:27:05 AM |
unassassinable | $25.00 | $25.00 | 3/26/2010 9:33:58 AM |
wise-silver-wonder | $25.00 | $25.00 | 3/26/2010 9:36:06 AM |
mizount | $25.00 | $25.00 | 3/26/2010 9:35:00 AM |
TheColoradoDon | $25.00 | $25.00 | 3/26/2010 9:36:15 AM |
fair_rates | $25.00 | $25.00 | 3/26/2010 10:01:08 AM |
tdswellington | $25.00 | $25.00 | 3/26/2010 12:13:20 PM |
goldeneye777 | $25.00 | $25.00 | 3/26/2010 12:13:46 PM |
engaging-worth | $28.80 | $28.80 | 3/26/2010 12:57:41 PM |
helpu88 | $26.43 | $26.43 | 3/26/2010 12:58:06 PM |
katnmouse | $25.00 | $25.00 | 3/26/2010 1:33:41 PM |
uncleubb | $25.00 | $25.00 | 3/26/2010 1:44:05 PM |
reward-adventure | $25.00 | $25.00 | 3/26/2010 11:50:39 AM |
TOCPI | $25.00 | $25.00 | 3/26/2010 12:38:28 PM |
nalaari | $71.92 | $71.92 | 3/26/2010 3:57:21 PM |
return-elm | $25.00 | $25.00 | 3/26/2010 3:38:33 PM |
excellent-nickel | $25.00 | $25.00 | 3/26/2010 3:56:36 PM |
mykeystoy | $25.00 | $25.00 | 3/26/2010 4:34:55 PM |
impartial-deal | $25.00 | $25.00 | 3/26/2010 5:23:57 PM |
greenback-companion8 | $25.00 | $25.00 | 3/26/2010 9:54:08 PM |
sandeepPR | $25.00 | $25.00 | 3/26/2010 9:57:49 PM |
ManhattanLender | $25.00 | $25.00 | 3/27/2010 10:03:27 AM |
Schwamie | $62.21 | $62.21 | 3/27/2010 10:32:04 AM |
tracyjo | $27.29 | $27.29 | 3/27/2010 11:51:04 AM |
lsx7 | $50.00 | $50.00 | 3/27/2010 1:56:13 PM |
trader-joe | $30.95 | $30.95 | 3/27/2010 3:35:52 PM |
usedtoborrow | $25.00 | $25.00 | 3/27/2010 4:09:48 PM |
Jim33 | $25.00 | $25.00 | 3/27/2010 5:04:30 PM |
drtxmac | $25.00 | $25.00 | 3/27/2010 7:36:06 PM |
BUCS | $38.90 | $38.90 | 3/27/2010 11:20:40 PM |
payout-magician | $25.00 | $25.00 | 3/28/2010 9:36:08 AM |
ESPX12401 | $25.00 | $25.00 | 3/28/2010 6:52:54 AM |
kennyinminny | $50.00 | $50.00 | 3/28/2010 7:11:38 AM |
LibbyZ | $48.38 | $48.38 | 3/28/2010 4:43:52 PM |
Higheagle | $46.63 | $46.63 | 3/28/2010 10:08:19 AM |
enthusiastic-point | $25.00 | $25.00 | 3/29/2010 7:20:56 AM |
FinanceEngine | $25.00 | $25.00 | 3/28/2010 9:54:10 PM |
patriot384 | $75.00 | $75.00 | 3/29/2010 6:35:27 AM |
1stAmericanCapital | $25.00 | $25.00 | 3/29/2010 10:18:04 AM |
mlpinz | $100.00 | $100.00 | 3/29/2010 11:08:12 AM |
newiowa77 | $25.00 | $25.00 | 3/29/2010 9:57:36 AM |
jybank | $25.00 | $25.00 | 3/29/2010 12:19:21 PM |
wordsandpictures | $30.00 | $30.00 | 3/29/2010 11:23:09 AM |
focused-dime8 | $25.00 | $25.00 | 3/29/2010 1:21:41 PM |
debtcollector | $50.00 | $50.00 | 3/29/2010 2:12:48 PM |
wwwUniversal | $25.00 | $25.00 | 3/29/2010 3:54:06 PM |
Hatdance | $25.00 | $25.00 | 3/29/2010 3:57:11 PM |
XCWIZ007 | $25.00 | $25.00 | 3/29/2010 4:04:51 PM |
preventivepestcontrol | $50.00 | $50.00 | 3/29/2010 4:17:39 PM |
259 bids
|
Borrower Payment Dependent Notes Series
451116
This series of Notes was issued and sold upon the funding of the borrower loan #41600, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction start date:
| Mar-22-2010 |
|
Auction end date:
| Mar-29-2010 |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $271.42 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 21.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 2m |
Credit score:
| 600-619 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,434 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| RTHomeLoan |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 19 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 620-639
(Jul-2008)
|
Principal balance:
| $2,784.61 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Tax Payment
This loan will be used to pay my 2009 tax liability; the combined state, local and federal taxes is $9,000 of which I have $3,000. I hope to finance the remaining $6,000 with Prosper. I am extremely grateful to this community for helping out my family/grandfather when our local bank couldn?t [http://www.prosper.com/invest/listing.aspx?listingID=379184]. My annual income is $86,000
Employment: Permanent/Career Conditional Federal Employee
TransUnion FICO = 663
Monthly Rent: $700.00
Student Loan: $400.00/month
CC payments: $300/month
Gym/Internet: $70/month
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
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
reflective-rupee | $100.00 | $100.00 | 3/25/2010 5:13:27 PM |
pani5ue | $25.00 | $25.00 | 3/27/2010 3:08:05 AM |
brother_tam | $200.00 | $200.00 | 3/27/2010 9:25:18 AM |
PugDog | $25.00 | $25.00 | 3/28/2010 11:58:31 AM |
113121 | $5,000.00 | $3,684.88 | 3/29/2010 9:12:01 AM |
reflective-rupee | $100.00 | $100.00 | 3/29/2010 9:48:08 AM |
realtormoises | $25.00 | $25.00 | 3/29/2010 10:30:58 AM |
Whipster | $25.00 | $25.00 | 3/29/2010 9:12:59 AM |
reflective-rupee | $100.00 | $100.00 | 3/29/2010 9:47:53 AM |
a_falk22 | $25.00 | $25.00 | 3/29/2010 11:38:59 AM |
Leshan | $58.19 | $58.19 | 3/29/2010 11:41:45 AM |
five-star-note | $50.42 | $50.42 | 3/29/2010 10:46:07 AM |
Bob450 | $25.00 | $25.00 | 3/29/2010 11:39:20 AM |
charming-point | $300.00 | $300.00 | 3/29/2010 1:52:57 PM |
twjh | $25.00 | $25.00 | 3/29/2010 12:03:29 PM |
lucrative-loan | $66.97 | $66.97 | 3/29/2010 12:24:29 PM |
aquistoyraul | $34.31 | $34.31 | 3/29/2010 2:56:08 PM |
DasMula | $25.00 | $25.00 | 3/29/2010 1:17:02 PM |
lucrative-loan | $33.03 | $33.03 | 3/29/2010 3:30:10 PM |
Your_Bank | $37.20 | $37.20 | 3/29/2010 2:45:51 PM |
ultimate-peace | $100.00 | $100.00 | 3/29/2010 2:19:15 PM |
Rip128 | $60.00 | $60.00 | 3/29/2010 3:12:32 PM |
asya | $25.00 | $25.00 | 3/29/2010 2:56:58 PM |
Peterman | $25.00 | $25.00 | 3/29/2010 3:57:29 PM |
transparency-tomahawk | $25.00 | $25.00 | 3/29/2010 4:10:01 PM |
reflective-rupee | $200.00 | $200.00 | 3/25/2010 5:13:12 PM |
micko | $25.00 | $25.00 | 3/26/2010 9:21:47 AM |
113121 | $25.00 | $25.00 | 3/26/2010 4:33:51 PM |
jhouman | $25.00 | $25.00 | 3/26/2010 10:08:14 PM |
supreme-hope | $25.00 | $25.00 | 3/28/2010 9:16:37 PM |
dslobbs | $25.00 | $25.00 | 3/29/2010 9:58:13 AM |
dynrep | $25.00 | $25.00 | 3/29/2010 9:59:16 AM |
reflective-rupee | $100.00 | $100.00 | 3/29/2010 9:47:35 AM |
FarmersBank | $25.00 | $25.00 | 3/29/2010 11:54:27 AM |
payment-encore | $200.00 | $200.00 | 3/29/2010 11:01:13 AM |
DasMula | $25.00 | $25.00 | 3/29/2010 1:16:41 PM |
DasMula | $50.00 | $50.00 | 3/29/2010 1:17:18 PM |
oreyedoc | $25.00 | $25.00 | 3/29/2010 1:25:08 PM |
kevlar | $25.00 | $25.00 | 3/29/2010 2:18:55 PM |
39 bids
|
Borrower Payment Dependent Notes Series
451558
This series of Notes was issued and sold upon the funding of the borrower loan #41674, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Mar-24-2010 |
|
Auction end date:
| Mar-26-2010 |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $164.12 |
Final lender yield:
| 25.25% |
Final borrower rate/APR:
| 26.25% / 28.57% |
Final monthly payment:
| $161.70 |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
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-2000 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 5m |
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 27 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,940 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| market-winner8 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card debt!
Purpose of loan:
This loan will be used to? Pay off a couple of credit cards with high interest rates, and to have some extra cash for a future trip planned.?
My financial situation:
I am a good candidate for this loan because?
I am very trustworthy in paying my debt.? My bills are my first priority!? If I cannot afford it, I don't buy it... I am a shift manager for Aldi and I don't have a great income yet, but I am on a fast track to store management, by next year.? The starting salary for my upcoming position is no less than 70k annually.? The payments will be done in a timely manner and paid above the minimum amount, respectfully.? I am a recent Ole Miss grad and I have great future aspirations!
Monthly net income: $
1920
Monthly expenses: $
980
??Housing: $
300 (I have 2 roommates)
??Insurance: $
40
??Car expenses: $
0
??Utilities: $
0
??Phone, cable, internet: $ 65
??Food, entertainment: $ 200
??Clothing, household expenses $
150
??Credit cards and other loans: $ 175
??Other expenses: $
50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
gulch | $25.00 | $25.00 | 3/24/2010 9:27:40 AM |
harmonious-revenue7 | $25.00 | $25.00 | 3/24/2010 9:28:12 AM |
Artist_Blue | $25.00 | $25.00 | 3/24/2010 9:29:01 AM |
shrewd-deal | $25.00 | $25.00 | 3/24/2010 9:29:17 AM |
HalfDayz | $27.18 | $27.18 | 3/24/2010 9:30:18 AM |
InChicago | $25.00 | $25.00 | 3/24/2010 9:30:46 AM |
RMB-Investments | $25.00 | $25.00 | 3/24/2010 9:27:44 AM |
Purposeful | $50.00 | $50.00 | 3/24/2010 9:41:46 AM |
pengoe | $25.00 | $25.00 | 3/24/2010 9:29:22 AM |
nowits10 | $25.00 | $25.00 | 3/24/2010 9:29:53 AM |
oldmora | $50.00 | $50.00 | 3/24/2010 9:45:51 AM |
secobarbital | $25.00 | $25.00 | 3/24/2010 9:45:56 AM |
elevated-platinum5 | $25.00 | $25.00 | 3/24/2010 9:46:50 AM |
nrowland | $25.00 | $25.00 | 3/24/2010 9:47:35 AM |
Cai8899 | $30.00 | $30.00 | 3/24/2010 9:46:02 AM |
skuba | $25.00 | $25.00 | 3/24/2010 9:48:04 AM |
deegeeman | $50.00 | $50.00 | 3/24/2010 9:48:10 AM |
ukstevenhawaii | $50.00 | $50.00 | 3/24/2010 9:47:23 AM |
johnayan | $25.00 | $25.00 | 3/24/2010 9:41:37 AM |
successful-euro | $30.00 | $30.00 | 3/24/2010 9:42:01 AM |
red-favorable-basis | $25.00 | $25.00 | 3/24/2010 9:48:19 AM |
magnolia161 | $25.00 | $25.00 | 3/24/2010 9:49:00 AM |
integrity-doctor | $50.00 | $50.00 | 3/24/2010 9:49:53 AM |
irrelevant | $25.00 | $25.00 | 3/24/2010 9:51:28 AM |
Supernick | $25.00 | $25.00 | 3/24/2010 9:44:33 AM |
burrito6 | $25.00 | $25.00 | 3/24/2010 9:51:07 AM |
shrewd-peace7 | $25.00 | $25.00 | 3/24/2010 9:45:25 AM |
HHP | $25.00 | $25.00 | 3/24/2010 9:51:10 AM |
bnlforever | $25.00 | $25.00 | 3/24/2010 9:51:40 AM |
rhin0cerx | $50.00 | $50.00 | 3/24/2010 9:47:37 AM |
asset-professor | $35.00 | $35.00 | 3/24/2010 9:47:43 AM |
martinnc | $25.00 | $25.00 | 3/24/2010 9:49:28 AM |
Streetfighter | $25.00 | $25.00 | 3/24/2010 9:49:35 AM |
chicagoman | $25.00 | $25.00 | 3/24/2010 10:09:17 AM |
desertoasis | $25.00 | $25.00 | 3/24/2010 9:51:01 AM |
supreme-hope | $25.00 | $25.00 | 3/24/2010 9:51:17 AM |
wampum-chorus3 | $25.00 | $25.00 | 3/24/2010 10:07:13 AM |
IterationX | $25.00 | $25.00 | 3/24/2010 10:50:50 AM |
joeirps | $25.00 | $25.00 | 3/24/2010 10:56:56 AM |
imlosttoo | $25.00 | $25.00 | 3/24/2010 10:48:37 AM |
spsavage | $25.00 | $25.00 | 3/24/2010 10:50:16 AM |
mizount | $25.00 | $25.00 | 3/24/2010 10:50:57 AM |
nofreelunch | $25.00 | $25.00 | 3/24/2010 10:51:21 AM |
whynormal | $25.00 | $25.00 | 3/24/2010 11:02:10 AM |
halothane_logic | $25.00 | $25.00 | 3/24/2010 11:03:40 AM |
omerta6102 | $50.00 | $50.00 | 3/24/2010 11:04:34 AM |
orange-preeminant-bill | $80.93 | $80.93 | 3/24/2010 10:54:30 AM |
Plotinus | $50.00 | $50.00 | 3/24/2010 10:56:39 AM |
zeelender | $25.00 | $25.00 | 3/24/2010 10:58:14 AM |
wise-silver-wonder | $25.00 | $25.00 | 3/24/2010 10:59:02 AM |
r0b3m4n | $25.00 | $25.00 | 3/24/2010 11:19:35 AM |
diversification-medalist | $25.00 | $25.00 | 3/24/2010 11:19:40 AM |
tillit | $25.00 | $25.00 | 3/24/2010 11:47:07 AM |
noble-revenue | $55.97 | $55.97 | 3/24/2010 11:20:16 AM |
Speculator | $87.00 | $87.00 | 3/24/2010 11:21:04 AM |
beezling | $33.89 | $33.89 | 3/24/2010 11:21:53 AM |
gustavzantanon | $27.65 | $27.65 | 3/24/2010 11:49:29 AM |
OSERENKUKU | $25.00 | $25.00 | 3/24/2010 2:28:12 PM |
SolarMoonshine | $25.00 | $25.00 | 3/24/2010 5:33:35 PM |
tshurts | $25.00 | $25.00 | 3/24/2010 9:28:23 AM |
autonomous-truth | $25.00 | $25.00 | 3/24/2010 9:27:34 AM |
zorg77 | $25.00 | $25.00 | 3/24/2010 9:28:46 AM |
Adam_00 | $25.00 | $25.00 | 3/24/2010 9:28:05 AM |
LoisLoan | $25.00 | $25.00 | 3/24/2010 9:28:10 AM |
Craig_B | $25.00 | $25.00 | 3/24/2010 9:28:28 AM |
versatile-platinum4 | $25.00 | $25.00 | 3/24/2010 9:28:53 AM |
CROBRUN | $25.00 | $25.00 | 3/24/2010 9:30:23 AM |
greatwhiteninja | $25.00 | $25.00 | 3/24/2010 9:27:32 AM |
first-upright-payout | $25.00 | $25.00 | 3/24/2010 9:28:08 AM |
wifibank | $25.00 | $25.00 | 3/24/2010 9:28:35 AM |
AF-Chief | $28.00 | $28.00 | 3/24/2010 9:41:57 AM |
Lam0nt | $25.00 | $25.00 | 3/24/2010 9:44:26 AM |
momoney2lend | $25.00 | $25.00 | 3/24/2010 9:45:02 AM |
kmavm | $25.00 | $25.00 | 3/24/2010 9:29:29 AM |
personal-lender | $25.00 | $25.00 | 3/24/2010 9:46:13 AM |
Zolton | $200.00 | $200.00 | 3/24/2010 9:46:38 AM |
greenwell | $25.00 | $25.00 | 3/24/2010 9:47:49 AM |
CarDealer3070 | $30.00 | $30.00 | 3/24/2010 9:46:56 AM |
sympathetic-asset | $25.00 | $25.00 | 3/24/2010 9:47:16 AM |
Rattlehead | $25.00 | $25.00 | 3/24/2010 9:48:26 AM |
social-conductor4 | $25.00 | $25.00 | 3/24/2010 9:41:30 AM |
Kaj | $25.00 | $25.00 | 3/24/2010 9:41:49 AM |
unforgettable-order9 | $25.00 | $25.00 | 3/24/2010 9:49:49 AM |
red_spade | $26.00 | $26.00 | 3/24/2010 9:49:58 AM |
brother_tam | $50.00 | $50.00 | 3/24/2010 9:50:58 AM |
natural-greenback6 | $25.00 | $25.00 | 3/24/2010 9:51:04 AM |
Havana21 | $50.00 | $50.00 | 3/24/2010 9:51:38 AM |
hope-equation | $50.00 | $50.00 | 3/24/2010 9:46:08 AM |
listing-trapper3 | $50.00 | $50.00 | 3/24/2010 9:48:17 AM |
rooosta | $25.00 | $25.00 | 3/24/2010 9:49:24 AM |
AF_Trust | $25.00 | $25.00 | 3/24/2010 10:08:29 AM |
ah-long | $25.00 | $25.00 | 3/24/2010 10:04:37 AM |
honorable-yield | $35.00 | $35.00 | 3/24/2010 10:08:39 AM |
inspiring-reward | $32.41 | $32.41 | 3/24/2010 10:09:36 AM |
derec | $25.00 | $25.00 | 3/24/2010 10:50:14 AM |
kscc183 | $25.00 | $25.00 | 3/24/2010 10:50:52 AM |
mc81 | $25.00 | $25.00 | 3/24/2010 10:55:18 AM |
fostaman | $25.00 | $25.00 | 3/24/2010 10:54:19 AM |
TheColoradoDon | $25.00 | $25.00 | 3/24/2010 10:54:42 AM |
slojudy | $25.00 | $25.00 | 3/24/2010 10:55:07 AM |
flwah | $25.00 | $25.00 | 3/24/2010 10:57:12 AM |
Turtlebear44 | $25.00 | $25.00 | 3/24/2010 10:50:13 AM |
useful-p2ploan | $50.00 | $50.00 | 3/24/2010 10:50:35 AM |
YellowJacket | $25.00 | $25.00 | 3/24/2010 10:50:54 AM |
treasure-bliss | $100.00 | $100.00 | 3/24/2010 10:54:28 AM |
mizunoman | $25.00 | $25.00 | 3/24/2010 10:58:10 AM |
b-rent | $25.00 | $25.00 | 3/24/2010 11:04:55 AM |
fareast_man | $25.00 | $25.00 | 3/24/2010 11:22:02 AM |
schlepper | $25.00 | $25.00 | 3/24/2010 11:22:48 AM |
aader | $25.00 | $25.00 | 3/24/2010 11:47:02 AM |
pleasant-dime | $25.00 | $25.00 | 3/24/2010 11:47:00 AM |
TCayce | $25.00 | $10.97 | 3/24/2010 11:49:38 AM |
Phantom99 | $25.00 | $25.00 | 3/24/2010 11:20:03 AM |
helping-out | $30.00 | $30.00 | 3/24/2010 11:20:24 AM |
charming-point | $300.00 | $300.00 | 3/24/2010 12:46:07 PM |
reflective-rupee | $25.00 | $25.00 | 3/24/2010 1:59:53 PM |
Bob450 | $25.00 | $25.00 | 3/24/2010 8:25:29 PM |
taco798 | $25.00 | $25.00 | 3/25/2010 12:39:18 PM |
118 bids
|
Borrower Payment Dependent Notes Series
451600
This series of Notes was issued and sold upon the funding of the borrower loan #41598, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $20,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% |
Auction start date:
| Mar-24-2010 |
|
Auction end date:
| Mar-31-2010 |
|
Starting lender yield:
| 25.56% |
Starting borrower rate/APR:
| 26.56% / 28.89% |
Starting monthly payment:
| $811.79 |
Final lender yield:
| 25.56% |
Final borrower rate/APR:
| 26.56% / 28.89% |
Final monthly payment:
| $811.79 |
|
Auction yield range:
| 8.04% - 25.56% |
Estimated loss impact:
| 9.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.45% | | |
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-1997 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 4m |
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,328 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| GPSDirect |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $23,000.00 | < mo. late:
| 0
( 0% )
| 720-739
(Jan-2008)
|
Principal balance:
| $2.49 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Continued Flight Training
Purpose of loan:
I've got my private license and would like to move on quickly to instrument, multi, commercial, and CFI ratings.? I'm in good standing on an existing Prosper loan with only one payment of $3.00 to make.
My financial situation:
Financially stable with over 95K salary.? Monthly expenses $500 shy of net.? Current Prosper loan never late and only $3.00 left to pay on it.
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:
I am impressed that you paid off a $23,000 loan with no late payments. But please explain why you say your expenses are $500 shy of net. How will you cover a loan payment of $800 a month? - JaceSpade
A:
Out of force of habit, I included my current Prosper loan expense. That expense is $770.00 per month, but I have only $3.00 left to pay on that loan. Once it is paid off, my discretionary budget will actually be 1270.00 per month.
And thank you. I've very proud to be a responsible Prosper borrower.
(Mar-26-2010)
Q:
Over what time period will you take these flight courses (ie, over 6 months, over 2 years, etc)? Is this just for recreational flying, or do you plan to make a career change? Thanks and best wishes. - reflective-rupee
A:
Over the next 1-2 years. My son would like me to be his instructor when he's old enough. For that, I need to get my IFR, Commercial, CFI, and maybe multi out of the way.
(Mar-30-2010)
Q:
How long have you been a pilot, how many hours have you accumulated to date, and how often do you plan to fly during training? - integrity-broker
A:
I've been a student since 2004. After moving to MI I had to put my training on hold. I started up again in earnest in June of last year. I got my private certificate in September. I have 73 hours flight time and 223 landings under my belt. I plan to fly as often as weather and my work schedule allow me. I have learned that if I can fly 2-3 times per week the lessons stick better (so it's better to have the lump sum up front so that finances don't get in the way).
(Mar-31-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
sflawya | $25.00 | $25.00 | 3/24/2010 9:41:40 AM |
five-star-justice | $36.00 | $36.00 | 3/24/2010 9:44:46 AM |
rhin0cerx | $50.00 | $50.00 | 3/24/2010 9:45:09 AM |
robot777 | $40.00 | $40.00 | 3/24/2010 9:47:28 AM |
caseattle | $25.00 | $25.00 | 3/24/2010 9:49:03 AM |
charming-point | $300.00 | $300.00 | 3/24/2010 9:49:13 AM |
Trakissta | $100.00 | $100.00 | 3/24/2010 9:18:35 PM |
best-listing-toro | $25.00 | $25.00 | 3/25/2010 5:59:26 AM |
FinDoc | $25.00 | $25.00 | 3/25/2010 4:30:28 PM |
reflective-rupee | $1,000.00 | $1,000.00 | 3/25/2010 4:57:27 PM |
Mark-M | $25.00 | $25.00 | 3/25/2010 6:43:42 PM |
YoungTaxMan | $1,522.94 | $1,522.94 | 3/25/2010 5:44:54 PM |
well-mannered-income3 | $150.00 | $150.00 | 3/25/2010 8:51:26 PM |
stockpiler079 | $25.00 | $25.00 | 3/26/2010 9:38:13 AM |
foothillender | $25.00 | $25.00 | 3/26/2010 7:37:33 AM |
Boca | $50.00 | $50.00 | 3/26/2010 10:34:23 AM |
smart-gain | $49.31 | $49.31 | 3/26/2010 1:34:40 PM |
drg6289 | $25.00 | $25.00 | 3/26/2010 4:03:53 PM |
wise-silver-wonder | $25.00 | $25.00 | 3/26/2010 3:41:04 PM |
ScoopnDots | $45.00 | $45.00 | 3/26/2010 4:14:51 PM |
SolarMoonshine | $25.00 | $25.00 | 3/26/2010 6:04:28 PM |
coup173 | $75.00 | $75.00 | 3/26/2010 9:47:27 PM |
mercuriant | $25.00 | $25.00 | 3/26/2010 9:47:59 PM |
JaceSpade | $25.00 | $25.00 | 3/26/2010 9:50:30 PM |
selector568 | $39.87 | $39.87 | 3/27/2010 5:33:34 AM |
hawk357 | $25.00 | $25.00 | 3/27/2010 6:38:37 AM |
Rogesparkguy | $25.00 | $25.00 | 3/27/2010 11:04:08 AM |
keynaples | $50.00 | $50.00 | 3/27/2010 6:32:55 PM |
genuine-diversification5 | $34.00 | $34.00 | 3/27/2010 6:47:57 PM |
Lucy_Fur | $25.00 | $25.00 | 3/28/2010 11:20:32 AM |
elegant-loot | $25.00 | $25.00 | 3/29/2010 8:05:56 AM |
perchedeagle | $25.00 | $25.00 | 3/29/2010 11:42:55 AM |
PCity-LOA15 | $27.09 | $27.09 | 3/29/2010 11:52:21 AM |
vivacious-p2p3 | $25.00 | $25.00 | 3/29/2010 1:14:19 PM |
TaoPooh | $25.00 | $25.00 | 3/29/2010 1:20:28 PM |
chato2345 | $100.00 | $100.00 | 3/29/2010 4:22:22 PM |
truelumen | $25.00 | $25.00 | 3/29/2010 4:27:21 PM |
chato2345 | $100.00 | $100.00 | 3/29/2010 4:23:18 PM |
wealth-pal3 | $25.00 | $25.00 | 3/29/2010 4:38:46 PM |
orionn1 | $50.00 | $50.00 | 3/29/2010 9:53:20 PM |
Karey | $25.00 | $25.00 | 3/29/2010 11:13:03 PM |
silver-armada | $100.00 | $100.00 | 3/30/2010 4:15:17 AM |
reflective-rupee | $200.00 | $200.00 | 3/30/2010 10:03:46 AM |
screen23 | $25.00 | $25.00 | 3/30/2010 7:03:45 AM |
CommerciaLender | $25.00 | $25.00 | 3/30/2010 10:05:37 AM |
ksubd | $25.00 | $25.00 | 3/30/2010 10:38:08 AM |
reflective-rupee | $2,000.00 | $2,000.00 | 3/30/2010 10:03:31 AM |
nitai | $25.00 | $25.00 | 3/30/2010 10:04:08 AM |
five-star-note | $50.00 | $50.00 | 3/30/2010 11:18:13 AM |
FallonCredit | $28.28 | $28.28 | 3/30/2010 10:42:07 AM |
vmh20035 | $50.00 | $50.00 | 3/30/2010 10:53:22 AM |
grnii78 | $200.00 | $200.00 | 3/30/2010 2:32:46 PM |
mammalian4 | $50.00 | $50.00 | 3/30/2010 3:01:49 PM |
reflective-rupee | $800.00 | $800.00 | 3/30/2010 4:23:00 PM |
ChrisKwan | $25.00 | $25.00 | 3/30/2010 4:00:32 PM |
heerzaquestion | $50.00 | $50.00 | 3/30/2010 6:24:46 PM |
credit-missile | $238.03 | $238.03 | 3/30/2010 6:48:20 PM |
Kash2010lu | $50.00 | $50.00 | 3/30/2010 6:03:36 PM |
zorg77 | $25.00 | $25.00 | 3/30/2010 6:42:11 PM |
JayIsABear | $26.22 | $26.22 | 3/30/2010 7:26:41 PM |
allbalooboy2 | $25.00 | $25.00 | 3/30/2010 6:47:18 PM |
JCM_MN | $32.00 | $32.00 | 3/30/2010 7:50:38 PM |
ptjg | $25.00 | $25.00 | 3/30/2010 9:52:49 PM |
brother_tam | $50.00 | $50.00 | 3/30/2010 8:29:08 PM |
jhouman | $25.00 | $25.00 | 3/31/2010 6:54:22 AM |
leverage-monger | $25.00 | $25.00 | 3/31/2010 7:10:20 AM |
bazaar-pizza | $100.00 | $100.00 | 3/31/2010 1:36:56 AM |
revenue-channel8 | $100.00 | $100.00 | 3/31/2010 5:29:51 AM |
Zachilles | $50.00 | $50.00 | 3/31/2010 6:12:28 AM |
credit-tornado689 | $100.00 | $100.00 | 3/31/2010 7:07:31 AM |
chameleon125 | $50.00 | $50.00 | 3/31/2010 7:43:49 AM |
credit-missile | $50.00 | $50.00 | 3/31/2010 7:29:14 AM |
integrity-broker | $50.00 | $50.00 | 3/31/2010 8:09:36 AM |
enthusiastic-balance5 | $200.00 | $200.00 | 3/31/2010 7:53:16 AM |
newiowa77 | $25.00 | $25.00 | 3/31/2010 8:36:24 AM |
interest-friendship | $100.00 | $100.00 | 3/31/2010 8:49:54 AM |
DasMula | $50.00 | $50.00 | 3/31/2010 9:09:41 AM |
DasMula | $50.00 | $50.00 | 3/31/2010 9:10:28 AM |
cognizant-rate732 | $45.83 | $45.83 | 3/24/2010 9:43:53 AM |
Borrow2Grow | $51.00 | $51.00 | 3/24/2010 9:45:13 AM |
inismor | $25.00 | $25.00 | 3/24/2010 9:45:41 AM |
copper | $30.00 | $30.00 | 3/24/2010 9:48:41 AM |
increase720 | $50.00 | $50.00 | 3/24/2010 9:44:30 AM |
aurorafinancial | $50.00 | $50.00 | 3/24/2010 9:45:44 AM |
heroic-hope5 | $25.00 | $25.00 | 3/24/2010 9:51:27 AM |
30Sky | $25.00 | $25.00 | 3/24/2010 11:02:05 AM |
bobby51 | $25.00 | $25.00 | 3/24/2010 12:56:27 PM |
reflective-rupee | $1,000.00 | $1,000.00 | 3/24/2010 2:01:24 PM |
SFBank | $200.00 | $200.00 | 3/24/2010 2:08:19 PM |
scabrendan | $100.00 | $100.00 | 3/24/2010 5:58:25 PM |
the-problem-solver | $50.00 | $50.00 | 3/25/2010 2:04:08 PM |
RedCentre | $250.00 | $250.00 | 3/25/2010 1:46:34 PM |
investment-daydream | $25.00 | $25.00 | 3/25/2010 4:23:21 PM |
wanna-help | $25.00 | $25.00 | 3/25/2010 7:42:50 PM |
BigBizBuilder | $350.00 | $350.00 | 3/25/2010 9:43:33 PM |
moola-poplar | $25.00 | $25.00 | 3/26/2010 7:15:18 AM |
MNWorkEthic | $75.00 | $75.00 | 3/26/2010 10:27:07 AM |
tntmojave | $25.00 | $25.00 | 3/26/2010 9:35:27 AM |
duty-monger | $50.00 | $50.00 | 3/26/2010 9:59:20 AM |
the-money-gargantuan | $25.00 | $25.00 | 3/26/2010 12:57:10 PM |
truth-trapper | $50.00 | $50.00 | 3/27/2010 12:16:38 AM |
coup173 | $25.00 | $25.00 | 3/26/2010 9:39:40 PM |
new-peso-concerto | $33.00 | $33.00 | 3/27/2010 8:38:01 AM |
sportcraft18 | $50.00 | $50.00 | 3/27/2010 11:12:51 AM |
clemclan | $75.00 | $75.00 | 3/27/2010 4:21:10 PM |
new-goal-return | $25.00 | $25.00 | 3/27/2010 5:47:55 PM |
celestwarrior | $71.34 | $71.34 | 3/27/2010 7:45:59 PM |
MoneyForNothing | $25.00 | $25.00 | 3/28/2010 8:46:33 AM |
MrUSC | $25.00 | $25.00 | 3/28/2010 8:58:55 PM |
well-mannered-income3 | $100.00 | $100.00 | 3/28/2010 4:38:48 PM |
income-fortress | $25.00 | $25.00 | 3/29/2010 6:13:03 AM |
exchange-cowbell5 | $100.00 | $100.00 | 3/28/2010 7:48:08 PM |
jhouman | $25.00 | $25.00 | 3/28/2010 8:47:58 PM |
supreme-hope | $25.00 | $25.00 | 3/28/2010 9:51:39 PM |
shawnw2 | $32.36 | $32.36 | 3/29/2010 9:37:22 AM |
Spiderman55 | $25.00 | $25.00 | 3/29/2010 7:55:04 AM |
tnjohnso | $25.00 | $25.00 | 3/29/2010 4:51:00 PM |
Helenska11 | $25.00 | $25.00 | 3/29/2010 4:36:03 PM |
Cypher041 | $25.00 | $25.00 | 3/29/2010 4:53:09 PM |
tntmojave | $25.00 | $25.00 | 3/29/2010 4:50:09 PM |
113121 | $25.00 | $25.00 | 3/29/2010 6:59:14 PM |
atomantic | $75.00 | $75.00 | 3/30/2010 1:47:51 AM |
irishlaw | $75.00 | $75.00 | 3/30/2010 9:42:12 AM |
usedtoborrow | $100.00 | $100.00 | 3/30/2010 10:04:18 AM |
lucrative-loan | $100.00 | $100.00 | 3/30/2010 10:05:07 AM |
Aberdeen | $350.00 | $350.00 | 3/30/2010 10:05:09 AM |
FallonCredit | $28.47 | $28.47 | 3/30/2010 10:41:25 AM |
investorsf | $25.00 | $25.00 | 3/30/2010 10:50:26 AM |
thomas16882004 | $25.00 | $25.00 | 3/30/2010 11:52:27 AM |
sisepuede | $30.00 | $30.00 | 3/30/2010 11:54:52 AM |
blue-asset-network | $25.00 | $25.00 | 3/30/2010 12:24:25 PM |
Bank_Of_XL | $100.00 | $100.00 | 3/30/2010 1:13:37 PM |
tntmojave | $25.00 | $25.00 | 3/30/2010 1:49:19 PM |
Jrbgood | $50.00 | $50.00 | 3/30/2010 2:59:29 PM |
transaction-animal8 | $25.00 | $25.00 | 3/30/2010 4:00:28 PM |
JayIsABear | $29.20 | $29.20 | 3/30/2010 4:01:20 PM |
dynrep | $25.00 | $25.00 | 3/30/2010 4:31:28 PM |
purposeful-dedication | $25.00 | $25.00 | 3/30/2010 5:56:01 PM |
loss-of-control | $50.00 | $50.00 | 3/30/2010 6:08:22 PM |
capital-baron507 | $100.00 | $100.00 | 3/30/2010 8:25:54 PM |
Your_Bank | $65.00 | $65.00 | 3/30/2010 5:36:32 PM |
CivlDX | $50.00 | $50.00 | 3/30/2010 5:50:19 PM |
RickColo | $25.00 | $25.00 | 3/30/2010 6:21:17 PM |
heerzaquestion | $25.00 | $25.00 | 3/30/2010 6:24:06 PM |
tekstyle38 | $150.00 | $150.00 | 3/31/2010 12:17:52 AM |
Investor704 | $50.00 | $50.00 | 3/30/2010 8:51:13 PM |
brother_tam | $150.00 | $150.00 | 3/30/2010 8:29:46 PM |
blissful-note7 | $25.00 | $25.00 | 3/31/2010 2:03:10 AM |
compassionate-gain9 | $125.00 | $125.00 | 3/30/2010 10:44:57 PM |
systematic-loan | $25.00 | $25.00 | 3/31/2010 8:02:27 AM |
buffalobills | $25.00 | $25.00 | 3/31/2010 8:07:14 AM |
113121 | $7,500.00 | $4,890.06 | 3/31/2010 7:42:47 AM |
ronin4sale | $25.00 | $25.00 | 3/31/2010 8:02:14 AM |
penny-sergeant | $25.00 | $25.00 | 3/31/2010 9:02:48 AM |
DasMula | $50.00 | $50.00 | 3/31/2010 9:09:57 AM |
dynrep | $50.00 | $50.00 | 3/31/2010 8:24:06 AM |
dynrep | $25.00 | $25.00 | 3/31/2010 8:24:32 AM |
five-star-note | $100.00 | $100.00 | 3/31/2010 9:21:55 AM |
balance-warrior | $25.00 | $25.00 | 3/31/2010 8:47:15 AM |
159 bids
|
Borrower Payment Dependent Notes Series
451796
This series of Notes was issued and sold upon the funding of the borrower loan #41585, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Mar-25-2010 |
|
Auction end date:
| Apr-01-2010 |
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 30.35% |
Starting monthly payment:
| $82.73 |
Final lender yield:
| 18.15% |
Final borrower rate/APR:
| 19.15% / 21.38% |
Final monthly payment:
| $73.46 |
|
Auction yield range:
| 8.04% - 27.00% |
Estimated loss impact:
| 6.92% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.23% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1991 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
12 | Length of status: | 4y 7m |
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 44 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $42,275 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kind-scholarly-peace |
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.
Description
Need to pay property taxes
Purpose of loan:
This loan will be used to?to pay property taxes on my?rental condo in Florida.? My last tenant got cancer and moved out early which caused the?condo to sit empty for a little over month and put me behind on the taxes.? I have since?got a new tenant?on a year lease.? I have no mortgage, only dues and taxes so it brings in about $500 a month profit.?
My financial situation:
I am a good candidate for this loan because? I have a good job and no late payments of any kind.? I will repay the loan, probably early.?I can easily pay this loan from the profit of the rental.
Monthly net income: $ 4350
Monthly expenses: $
??Housing: $ 1000????????
??Insurance: $ 100????
??Car expenses: $?200
? Utilities: $ 250
??Phone, cable, internet: $ 250
??Food, entertainment: $ 700
??Clothing, household expenses $
??Credit cards and other loans: $1000
??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:
what is your $42k debt and what are the rates on each component of the debt? - CTG_JaQ
A:
It is all credit card debt from renovating a house that is currently for sale. The rates vary from 6 to 16%. When the house is sold all credit card debt over 10% will be paid off. Thanks for the question.
(Mar-28-2010)
Q:
Assuming you can not sell your house, how would you pay off all the debt? What would your new expenses be at the sale of your house? Where would you live, own or rent? - CTG_JaQ
A:
Thanks for the question JaQ. The housing market is actually quite good here in Idaho especially with warmer weather nearly here. If for some reason the house does not sell it will be rented out. I have a second house here that is on a lease option due this June that will net around 33k. I just need a loan to bridge the gap and establish a prosper history. I will continue to live in the house I own and am living in now. I hope that answers your questions.
(Mar-30-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
Sol_Invictus | $25.00 | $25.00 | 3/26/2010 11:30:07 AM |
Myrick | $25.00 | $25.00 | 3/26/2010 7:30:33 PM |
Unitas4302 | $50.00 | $50.00 | 3/27/2010 10:29:42 AM |
charitycoon | $25.00 | $25.00 | 3/28/2010 8:47:43 PM |
gothampark | $25.00 | $25.00 | 3/31/2010 3:53:43 PM |
mckhbnpc | $25.00 | $25.00 | 3/31/2010 4:19:12 PM |
orangefob7 | $35.00 | $35.00 | 3/31/2010 9:00:51 PM |
LuvToLend | $25.00 | $25.00 | 4/1/2010 7:59:53 AM |
Leshan | $25.00 | $25.00 | 4/1/2010 8:16:42 AM |
Helping-One-Another | $25.00 | $25.00 | 4/1/2010 9:50:31 AM |
w8291 | $25.00 | $25.00 | 4/1/2010 10:14:42 AM |
jhernand17 | $25.00 | $25.00 | 4/1/2010 9:26:05 AM |
zippy-market5 | $25.00 | $25.00 | 4/1/2010 11:34:21 AM |
ChewyZ | $25.00 | $25.00 | 4/1/2010 11:43:07 AM |
Kyileo | $50.00 | $50.00 | 4/1/2010 2:26:59 PM |
PotBellyPete | $25.00 | $25.00 | 4/1/2010 2:42:54 PM |
coup173 | $50.00 | $50.00 | 4/1/2010 3:09:27 PM |
EretzCapital | $50.00 | $50.00 | 4/1/2010 3:44:39 PM |
stevekc1 | $25.00 | $25.00 | 4/1/2010 2:00:51 PM |
Realty24 | $25.00 | $25.00 | 4/1/2010 3:26:58 PM |
fireferd | $50.00 | $50.00 | 4/1/2010 2:52:07 PM |
ultimate-peace | $425.00 | $95.42 | 4/1/2010 3:22:10 PM |
ferengi_finance | $29.61 | $29.61 | 4/1/2010 3:32:10 PM |
frogperson | $250.00 | $250.00 | 4/1/2010 3:36:18 PM |
goodhearted-basis4 | $25.00 | $25.00 | 4/1/2010 3:43:36 PM |
tcpfan | $25.00 | $25.00 | 3/26/2010 3:28:37 PM |
slojudy | $25.00 | $25.00 | 3/29/2010 9:43:14 AM |
coin-trajectory | $25.00 | $25.00 | 3/30/2010 10:23:30 AM |
Kash2010lu | $25.00 | $25.00 | 3/30/2010 6:23:57 PM |
scientists | $25.00 | $25.00 | 3/31/2010 10:24:05 AM |
agent86a | $40.00 | $40.00 | 3/31/2010 10:29:17 AM |
rakey | $25.00 | $25.00 | 3/31/2010 12:02:52 PM |
Prairie-MN | $30.00 | $30.00 | 3/31/2010 3:32:09 PM |
Socorro_Capital_Partners | $25.00 | $25.00 | 3/31/2010 3:17:33 PM |
skockie | $50.00 | $50.00 | 3/31/2010 7:17:19 PM |
engbusres | $31.00 | $31.00 | 3/31/2010 7:47:54 PM |
hektek22 | $25.00 | $25.00 | 3/31/2010 11:47:25 PM |
CommerciaLender | $25.00 | $25.00 | 4/1/2010 7:08:54 AM |
jimmya | $28.97 | $28.97 | 4/1/2010 9:47:53 AM |
glenium | $25.00 | $25.00 | 4/1/2010 9:06:23 AM |
lookin_up | $50.00 | $50.00 | 4/1/2010 9:45:26 AM |
jybank | $25.00 | $25.00 | 4/1/2010 11:32:35 AM |
durability-colonel | $50.00 | $50.00 | 4/1/2010 1:40:04 PM |
VBPlayer | $30.00 | $30.00 | 4/1/2010 1:48:05 PM |
tranquil-revenue | $100.00 | $100.00 | 4/1/2010 1:18:52 PM |
OoM | $25.00 | $25.00 | 4/1/2010 2:41:52 PM |
Bob450 | $25.00 | $25.00 | 4/1/2010 2:35:45 PM |
MSLendingLLC | $55.00 | $55.00 | 4/1/2010 3:25:46 PM |
zztopdog | $25.00 | $25.00 | 4/1/2010 3:42:34 PM |
caddy5662 | $50.00 | $50.00 | 4/1/2010 3:43:41 PM |
patriot384 | $75.00 | $75.00 | 4/1/2010 3:42:40 PM |
51 bids
|
Borrower Payment Dependent Notes Series
450711
This series of Notes was issued and sold upon the funding of the borrower loan #41595, 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-18-2010 |
|
Auction end date:
| Mar-25-2010 |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
Final lender yield:
| 29.00% |
Final borrower rate/APR:
| 30.00% / 32.38% |
Final monthly payment:
| $127.35 |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 16.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.97% | | |
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:
| Feb-1996 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
8 | Length of status: | 5y 1m |
Credit score:
| 620-639 (Mar-2010) |
Total credit lines:
| 21 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,819 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 28 | | | | |
Screen name:
| roccosmom |
Borrower's state:
| Vermont |
Borrower's group:
| Vermonters Unite |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 93% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 2
( 7% )
| 600-619
(Dec-2009)
620-639
(Nov-2009)
620-639
(Sep-2009)
600-619
(Aug-2009)
|
Principal balance:
| $468.76 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
Pay off high interest credit cards
PLEASE NOTE THAT THE INCOME AND DEBT TO INCOME RATIO ARE NOT INCLUDING MY HUSBAND'S INCOME
Purpose of the loan: My husband and I got behind on our mortgage a little over a year ago due to my husband suffering from an illness.? During that time he was temporarily laid off because he had to spend a lot of time at the hospital.? We did not have health insurance and as you can imagine the bills went through the roof!!? His health was first and foremost to us at the time.? He has since been diagnosed and treated and is back to work full time as an electrician.? We have modified our mortgage and are current on all our bills (thank God!!)? We are looking for this loan to consolidate our credit card debt, the interest rates are extremely high.? We are turning to Prosper because our debt issues have been hard to overcome with conventional lending.? We want nothing more than to erase those issues and improve our credit scores to better our future.?
My financial situation: We are up to date on all our bills. This loan will be used to consolidate all our credit card debt and to pay off a pay day loan.
Why am I a good candidate for paying back this loan? Because my husband and I are working as hard as we can in the crazy economy to keep our heads above water.? We have overcome so many hardships in the past year and just want to feel free!!? We are hard working, honest people whom have had a tough time this year and just want to be on track financially so we can think about starting a family.
Monthly net income: $3,200 plus my husband's income of $3,000- TOTAL INCOME: $6,200.00
Monthly expenses:
House: $1400.00
Insurance: $120.45
Car expense: $546 for my husband's car
Utilities: $300.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Credit cards, other loans: $400.00
TOTAL EXPENSES: $3,066.45
Feel free to ask me any questions you may have.? I am worth the investment and will be able to make the monthly payments!!? Thank you for your interest!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
How soon do you expect to pay off this loan? - commerce-stronghold
A:
36 months
(Mar-22-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
jgshinn | $25.00 | $25.00 | 3/18/2010 4:26:53 PM |
commerce-stronghold | $100.00 | $100.00 | 3/22/2010 9:54:54 AM |
Jinja | $35.00 | $35.00 | 3/24/2010 4:59:11 PM |
Dollars4Rent | $25.00 | $25.00 | 3/24/2010 5:45:44 PM |
jhouman | $25.00 | $25.00 | 3/24/2010 8:23:53 PM |
dcm6276 | $25.00 | $25.00 | 3/24/2010 9:49:11 PM |
admirable-loyalty | $50.00 | $50.00 | 3/25/2010 7:43:26 AM |
blazing-capital | $100.00 | $100.00 | 3/25/2010 3:09:38 AM |
phchristensen | $50.00 | $50.00 | 3/25/2010 7:53:41 AM |
Astyanax | $40.00 | $40.00 | 3/25/2010 10:57:19 AM |
hamster | $27.81 | $27.81 | 3/25/2010 12:15:59 PM |
Hatdance | $25.00 | $25.00 | 3/25/2010 10:49:43 AM |
Rip128 | $100.00 | $100.00 | 3/25/2010 11:48:47 AM |
YoungTaxMan | $776.11 | $428.17 | 3/25/2010 3:00:25 PM |
CarlosCespedes | $25.00 | $25.00 | 3/25/2010 2:49:15 PM |
revenue-channel8 | $100.00 | $100.00 | 3/25/2010 3:53:37 PM |
Rip128 | $100.00 | $100.00 | 3/25/2010 4:03:24 PM |
responsible-worth113 | $25.00 | $25.00 | 3/25/2010 4:06:38 PM |
best-listing-toro | $25.00 | $25.00 | 3/25/2010 4:17:46 PM |
ultimate-peace | $100.00 | $100.00 | 3/25/2010 4:08:17 PM |
fireferd | $40.00 | $40.00 | 3/25/2010 4:16:24 PM |
payout-bridge | $50.97 | $50.97 | 3/25/2010 4:18:07 PM |
myutmost | $50.00 | $50.00 | 3/18/2010 6:39:08 PM |
new-peso-concerto | $33.00 | $33.00 | 3/23/2010 11:25:14 AM |
eronyc | $25.00 | $25.00 | 3/24/2010 11:02:15 AM |
b-rent | $25.00 | $25.00 | 3/24/2010 4:59:30 PM |
EODLEGS | $25.00 | $25.00 | 3/24/2010 7:30:58 PM |
payout-comet | $25.00 | $25.00 | 3/25/2010 12:20:49 AM |
ihelpunow | $25.00 | $25.00 | 3/24/2010 11:44:33 PM |
Leshan | $100.00 | $100.00 | 3/25/2010 6:31:27 AM |
Mikale360 | $25.00 | $25.00 | 3/25/2010 6:44:16 AM |
chameleon125 | $50.00 | $50.00 | 3/25/2010 7:40:25 AM |
five-star-note | $100.00 | $100.00 | 3/25/2010 8:59:55 AM |
LeoBUSIIT | $25.00 | $25.00 | 3/25/2010 9:03:41 AM |
Kash2010lu | $50.00 | $50.00 | 3/25/2010 9:20:36 AM |
ColoradoLender82 | $25.00 | $25.00 | 3/25/2010 9:52:30 AM |
realtormoises | $25.00 | $25.00 | 3/25/2010 9:59:06 AM |
sjo1984111 | $25.00 | $25.00 | 3/25/2010 10:09:20 AM |
skockie | $50.00 | $50.00 | 3/25/2010 10:41:08 AM |
hebjet | $25.00 | $25.00 | 3/25/2010 9:51:23 AM |
113121 | $100.00 | $100.00 | 3/25/2010 12:50:18 PM |
PackFan13 | $25.00 | $25.00 | 3/25/2010 12:44:59 PM |
FarmersBank | $25.00 | $25.00 | 3/25/2010 1:03:34 PM |
kermitdafrog | $25.00 | $25.00 | 3/25/2010 1:11:09 PM |
Delta-Kilo-7K | $25.00 | $25.00 | 3/25/2010 10:48:19 AM |
Isaac007 | $25.00 | $25.00 | 3/25/2010 2:06:45 PM |
Your_Bank | $25.00 | $25.00 | 3/25/2010 1:50:13 PM |
jchurchi | $100.00 | $100.00 | 3/25/2010 2:36:52 PM |
heritage_loans | $33.97 | $33.97 | 3/25/2010 3:31:45 PM |
twjh | $25.00 | $25.00 | 3/25/2010 3:54:26 PM |
exchange-cowbell5 | $50.00 | $50.00 | 3/25/2010 3:50:07 PM |
systematic-loan | $25.00 | $25.00 | 3/25/2010 4:03:22 PM |
sensible-fund | $100.00 | $100.00 | 3/25/2010 4:12:56 PM |
DMKAssetManagement | $86.08 | $86.08 | 3/25/2010 4:07:30 PM |
details | $100.00 | $100.00 | 3/25/2010 4:15:52 PM |
55 bids
|
Borrower Payment Dependent Notes Series
450787
This series of Notes was issued and sold upon the funding of the borrower loan #41677, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $2,100.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Mar-17-2010 |
|
Auction end date:
| Mar-23-2010 |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $95.00 |
Final lender yield:
| 25.25% |
Final borrower rate/APR:
| 26.25% / 28.57% |
Final monthly payment:
| $84.89 |
|
Auction yield range:
| 11.04% - 34.00% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
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:
| 14% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 16
/
14 | Length of status: | 27y 0m |
Credit score:
| 680-699 (Feb-2010) |
Total credit lines:
| 46 |
Occupation: | Skilled Labor |
Now delinquent:
| 1 |
Revolving credit balance:
| $3,059 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $6,937 |
Bankcard utilization:
| 15% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 10 | | | | |
Screen name:
| Helpme15 |
Borrower's state:
| Mississippi |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of loan:
This loan will be used to?pay off my debt.?Due to the economy I had to take a huge pay cut in order to keep my job and this loan will?be a big help. The $4000 deliquentt?came from letting my mortgage fall behind so?I could modify it, but everything you see?on?my monthly expenses is current and I am not behind on anything?I am working with the?3 credit agencies to clear up the things on my credit that is not accurate thanks for bidding.?
My financial situation:
I am a good candidate for this loan because? I pay all of my bills I am?just having a hard time now due to the economy that is why?I need to get this loan so I can pay a few things off and start the New year off in control of my debt. Thanks for bidding
Monthly net income: $ 2000 Take home?
Monthly expenses: $?
??Housing: $ 655
??Insurance: $100?
? Car expenses: $100 a month for gas?
??Utilities: $?220
??Phone, cable, internet: $?85
??Food, entertainment: $?150?just food (not?Entertainment)
??Clothing, household expenses $0 don't buy clothes and household expenses on a monthly basis?
??Credit cards and other loans: $450
??Other expenses: $0
Total=$1760 I will have $240 dollars extra every month to pay 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
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
momoney2lend | $25.00 | $25.00 | 3/17/2010 10:02:47 AM |
successful-euro | $30.00 | $30.00 | 3/17/2010 10:03:39 AM |
orbital-gold4 | $25.00 | $25.00 | 3/17/2010 10:04:47 AM |
oldmora | $25.00 | $25.00 | 3/17/2010 10:06:31 AM |
the-silver-blaster | $25.00 | $25.00 | 3/17/2010 10:09:59 AM |
hope-equation | $50.00 | $50.00 | 3/17/2010 10:10:57 AM |
personal-lender | $25.00 | $25.00 | 3/17/2010 10:11:31 AM |
elevated-platinum5 | $25.00 | $25.00 | 3/17/2010 10:12:03 AM |
beezling | $34.74 | $34.74 | 3/17/2010 10:04:14 AM |
persistent-bazaar | $25.00 | $25.00 | 3/17/2010 10:04:41 AM |
chicagoman | $25.00 | $25.00 | 3/17/2010 10:12:54 AM |
nrowland | $25.00 | $25.00 | 3/17/2010 10:15:03 AM |
greenwell | $25.00 | $25.00 | 3/17/2010 10:16:00 AM |
nletunic | $25.00 | $25.00 | 3/17/2010 10:09:14 AM |
autonomous-truth | $40.00 | $40.00 | 3/17/2010 10:10:15 AM |
natural-greenback6 | $25.00 | $25.00 | 3/17/2010 10:15:33 AM |
secobarbital | $25.00 | $25.00 | 3/17/2010 10:10:43 AM |
Cai8899 | $30.00 | $30.00 | 3/17/2010 10:10:45 AM |
greatwhiteninja | $25.00 | $25.00 | 3/17/2010 10:15:37 AM |
orange-courageous-dedication | $30.00 | $30.00 | 3/17/2010 10:11:34 AM |
Zolton | $200.00 | $200.00 | 3/17/2010 10:11:48 AM |
SBT | $50.00 | $50.00 | 3/17/2010 10:14:50 AM |
rhin0cerx | $50.00 | $50.00 | 3/17/2010 10:15:15 AM |
skuba | $25.00 | $25.00 | 3/17/2010 10:16:02 AM |
USMP | $72.26 | $72.26 | 3/17/2010 10:44:08 AM |
charming-point | $300.00 | $300.00 | 3/17/2010 1:29:36 PM |
Bob450 | $25.00 | $25.00 | 3/17/2010 8:15:19 PM |
seadogs | $25.00 | $25.00 | 3/22/2010 4:41:49 AM |
kinetic-social | $25.00 | $25.00 | 3/22/2010 3:33:16 PM |
Bob450 | $25.00 | $25.00 | 3/22/2010 8:23:40 PM |
maricel10 | $50.00 | $50.00 | 3/23/2010 10:46:36 AM |
alluring-yield5 | $75.00 | $75.00 | 3/23/2010 12:10:47 PM |
AF-Chief | $28.00 | $28.00 | 3/17/2010 10:03:15 AM |
social-conductor4 | $25.00 | $25.00 | 3/17/2010 10:06:08 AM |
nourishing-interest0 | $25.00 | $25.00 | 3/17/2010 10:11:08 AM |
ukstevenhawaii | $50.00 | $50.00 | 3/17/2010 10:13:11 AM |
FinDoc | $25.00 | $25.00 | 3/17/2010 10:05:02 AM |
Purposeful | $25.00 | $25.00 | 3/17/2010 10:12:45 AM |
Kaj | $25.00 | $25.00 | 3/17/2010 10:06:27 AM |
deegeeman | $50.00 | $50.00 | 3/17/2010 10:16:09 AM |
AF_Trust | $25.00 | $25.00 | 3/17/2010 10:12:26 AM |
honorable-yield | $35.00 | $35.00 | 3/17/2010 10:12:35 AM |
CarDealer3070 | $30.00 | $30.00 | 3/17/2010 10:12:43 AM |
sympathetic-asset | $25.00 | $25.00 | 3/17/2010 10:13:04 AM |
asset-professor | $35.00 | $35.00 | 3/17/2010 10:15:45 AM |
listing-trapper3 | $50.00 | $50.00 | 3/17/2010 10:16:16 AM |
red-favorable-basis | $25.00 | $10.00 | 3/17/2010 10:16:30 AM |
marwadi-62 | $25.00 | $25.00 | 3/17/2010 8:00:03 PM |
psycardis | $25.00 | $25.00 | 3/18/2010 11:18:45 PM |
maccpro1 | $50.00 | $50.00 | 3/19/2010 5:59:11 PM |
carmat60 | $25.00 | $25.00 | 3/21/2010 8:00:18 PM |
eboomer2611 | $25.00 | $25.00 | 3/22/2010 10:51:51 AM |
52 bids
|
Borrower Payment Dependent Notes Series
450803
This series of Notes was issued and sold upon the funding of the borrower loan #41601, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $2,000.00 |
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:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $63.95 |
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $63.79 |
|
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-2006 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 25
/
20 | Length of status: | 6y 5m |
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 28 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,094 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| merciful-kindness5 |
Borrower's state:
| Virginia |
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
Small loan
Purpose of loan:
This loan will be used to put a deposit down on our honeymoon.
My financial situation:
I am a good candidate for this loan because I have great credit history & a record of paying bills on time.? My income?can easily supplement advance payment of the loan as well.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
AF-Chief | $28.00 | $28.00 | 3/23/2010 3:50:29 PM |
personal-lender | $25.00 | $25.00 | 3/23/2010 3:53:32 PM |
inspired-contract9 | $25.00 | $25.00 | 3/23/2010 3:54:19 PM |
bonus-adventure3 | $25.00 | $25.00 | 3/23/2010 3:54:29 PM |
don8ter | $25.00 | $25.00 | 3/23/2010 3:58:03 PM |
aurorafinancial | $50.00 | $50.00 | 3/23/2010 3:58:51 PM |
chicco | $56.00 | $56.00 | 3/23/2010 4:01:13 PM |
asset-professor | $75.00 | $75.00 | 3/23/2010 4:02:17 PM |
rhightower003 | $25.00 | $25.00 | 3/23/2010 4:05:15 PM |
skuba | $25.00 | $25.00 | 3/23/2010 4:57:30 PM |
JCPlending | $25.00 | $25.00 | 3/23/2010 8:19:57 PM |
the-profit-oracle | $25.00 | $25.00 | 3/24/2010 12:35:22 AM |
bchen78875 | $25.00 | $25.00 | 3/24/2010 12:34:28 AM |
chekat | $25.00 | $25.00 | 3/24/2010 3:58:28 AM |
FairbairnSG | $25.00 | $25.00 | 3/24/2010 9:03:03 AM |
Mav26 | $53.68 | $53.68 | 3/24/2010 10:32:01 AM |
maintenanceboss | $25.00 | $25.00 | 3/24/2010 11:11:06 AM |
Clambake | $50.00 | $50.00 | 3/23/2010 3:52:46 PM |
Avala | $50.00 | $50.00 | 3/23/2010 3:53:21 PM |
integrity-doctor | $50.00 | $50.00 | 3/23/2010 3:55:03 PM |
torion | $25.00 | $25.00 | 3/23/2010 3:53:10 PM |
satisfying-durability | $25.00 | $25.00 | 3/23/2010 3:51:16 PM |
delicious-social132 | $25.00 | $25.00 | 3/23/2010 3:53:51 PM |
HedgeFund | $40.00 | $40.00 | 3/23/2010 3:56:20 PM |
ddog0224 | $25.00 | $25.00 | 3/23/2010 3:56:37 PM |
studious-bonus7 | $50.00 | $50.00 | 3/23/2010 3:58:01 PM |
chestnut4 | $25.00 | $25.00 | 3/23/2010 3:56:03 PM |
hrubinst | $25.00 | $25.00 | 3/23/2010 4:00:50 PM |
harmonious-revenue7 | $50.00 | $50.00 | 3/23/2010 4:00:20 PM |
CarDealer3070 | $25.00 | $25.00 | 3/23/2010 4:02:02 PM |
HHP | $25.00 | $25.00 | 3/23/2010 3:57:14 PM |
versatile-platinum4 | $25.00 | $25.00 | 3/23/2010 4:00:40 PM |
responsibility-mulberry | $25.00 | $25.00 | 3/23/2010 4:00:02 PM |
flexible-value | $26.00 | $26.00 | 3/23/2010 4:03:15 PM |
RandyL3 | $33.00 | $33.00 | 3/23/2010 4:03:34 PM |
incbx | $25.00 | $25.00 | 3/23/2010 4:13:03 PM |
bigdogsafety1 | $25.00 | $25.00 | 3/23/2010 4:37:33 PM |
goodbob | $25.00 | $25.00 | 3/23/2010 4:04:12 PM |
Havana21 | $50.00 | $50.00 | 3/23/2010 4:04:33 PM |
economy-producer | $25.00 | $25.00 | 3/23/2010 4:05:09 PM |
r0b3m4n | $25.00 | $25.00 | 3/23/2010 4:05:28 PM |
windfall46 | $25.00 | $25.00 | 3/23/2010 4:58:50 PM |
qkinger | $50.00 | $50.00 | 3/23/2010 5:51:35 PM |
desertoasis | $25.00 | $25.00 | 3/23/2010 8:52:22 PM |
diversification-medalist | $25.00 | $25.00 | 3/23/2010 11:38:50 PM |
zymotico | $25.00 | $25.00 | 3/23/2010 7:45:54 PM |
Supernick | $29.96 | $29.96 | 3/24/2010 12:35:02 AM |
webfeet | $34.70 | $34.70 | 3/24/2010 8:17:07 AM |
successful-euro | $50.00 | $50.00 | 3/24/2010 11:15:53 AM |
fightinjoe | $25.00 | $15.47 | 3/24/2010 11:16:35 AM |
responsible-investment0 | $50.00 | $50.00 | 3/24/2010 11:10:43 AM |
sellersbay | $283.19 | $283.19 | 3/24/2010 11:41:31 AM |
dontscrewmeover1 | $25.00 | $25.00 | 3/24/2010 5:49:16 PM |
khamlagirl | $25.00 | $25.00 | 3/24/2010 8:56:38 PM |
54 bids
|
Borrower Payment Dependent Notes Series
451035
This series of Notes was issued and sold upon the funding of the borrower loan #41591, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Mar-22-2010 |
|
Auction end date:
| Mar-29-2010 |
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $63.95 |
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $63.79 |
|
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:
| Oct-1997 |
Debt/Income ratio:
| 54% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
11 | Length of status: | 3y 1m |
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 30 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 1 |
Revolving credit balance:
| $6,041 | |
Amount delinquent:
| $25 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| bosun3 |
Borrower's state:
| Illinois |
Borrower's group:
| Vets helping Vets |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 54 ( 87% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 6
( 10% )
| 580-599
(Dec-2007)
580-599
(Nov-2007)
600-619
(Feb-2007)
|
Principal balance:
| $454.62 |
1+ mo. late:
| 2
( 3% )
|
Total payments billed:
| 62 | | |
Description
get rid of some small bills
just paid off last loan & need to wipe out some other small debts I have.
can pay back in same manner as before
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
kenji4861 | $50.00 | $50.00 | 3/22/2010 4:19:40 PM |
AF-Chief | $27.00 | $27.00 | 3/22/2010 4:21:08 PM |
skuba | $50.00 | $50.00 | 3/22/2010 4:29:06 PM |
Clambake | $50.00 | $50.00 | 3/22/2010 4:30:37 PM |
delicious-social132 | $40.00 | $40.00 | 3/22/2010 4:30:32 PM |
fightinjoe | $25.00 | $25.00 | 3/22/2010 4:29:15 PM |
AFairDeal | $25.00 | $25.00 | 3/22/2010 4:33:25 PM |
Avala | $50.00 | $50.00 | 3/22/2010 4:31:17 PM |
credit-force5 | $25.00 | $25.00 | 3/22/2010 4:31:25 PM |
lendersf | $95.00 | $95.00 | 3/22/2010 4:32:01 PM |
TakeCare | $50.00 | $50.00 | 3/22/2010 4:35:46 PM |
personal-lender | $25.00 | $25.00 | 3/22/2010 4:31:31 PM |
bonus-adventure3 | $25.00 | $25.00 | 3/22/2010 4:31:55 PM |
kchen486 | $25.00 | $25.00 | 3/22/2010 4:37:34 PM |
integrity-doctor | $50.00 | $50.00 | 3/22/2010 4:33:58 PM |
MarinLoans | $25.00 | $25.00 | 3/22/2010 4:36:38 PM |
restless-currency | $25.00 | $25.00 | 3/22/2010 4:34:07 PM |
chestnut4 | $25.00 | $25.00 | 3/22/2010 4:36:01 PM |
loan-warrior | $25.00 | $25.00 | 3/22/2010 4:36:11 PM |
ddog0224 | $25.00 | $25.00 | 3/22/2010 4:36:48 PM |
JDLanier | $25.00 | $25.00 | 3/23/2010 9:58:03 AM |
liederhaus | $50.00 | $50.00 | 3/25/2010 9:48:23 PM |
Earn_money | $26.65 | $26.65 | 3/26/2010 4:07:57 PM |
famous-marketplace9 | $55.56 | $55.56 | 3/26/2010 5:04:02 PM |
Cherrypicker | $40.00 | $40.00 | 3/26/2010 6:39:02 PM |
dogthecat | $28.33 | $28.33 | 3/28/2010 2:04:46 AM |
usd1027 | $25.00 | $25.00 | 3/27/2010 7:24:08 PM |
neorunner | $25.00 | $25.00 | 3/28/2010 8:30:40 AM |
Simply2fly | $25.00 | $25.00 | 3/28/2010 9:38:32 AM |
4mydaughterseducation | $25.00 | $25.00 | 3/28/2010 2:27:01 PM |
Loan_Some_Money | $25.00 | $25.00 | 3/28/2010 3:27:08 PM |
dmk2006 | $25.00 | $25.00 | 3/29/2010 8:40:11 AM |
dano1965 | $25.00 | $25.00 | 3/29/2010 9:34:35 AM |
steady-bazaar | $25.00 | $25.00 | 3/29/2010 10:10:56 AM |
rjsdsu | $40.00 | $40.00 | 3/29/2010 9:44:23 AM |
Lender0307 | $25.00 | $25.00 | 3/29/2010 12:14:24 PM |
grampy48 | $50.00 | $50.00 | 3/29/2010 12:38:55 PM |
bullwink27 | $25.00 | $25.00 | 3/29/2010 3:31:45 PM |
inspired-contract9 | $50.00 | $50.00 | 3/22/2010 4:26:29 PM |
torion | $25.00 | $25.00 | 3/22/2010 4:30:57 PM |
bigballer105 | $50.00 | $50.00 | 3/22/2010 4:33:17 PM |
successful-euro | $75.00 | $75.00 | 3/22/2010 4:33:35 PM |
lender987654321 | $25.00 | $25.00 | 3/22/2010 4:34:31 PM |
unforgettable-order9 | $100.00 | $100.00 | 3/22/2010 4:35:10 PM |
HHP | $25.00 | $25.00 | 3/22/2010 4:37:53 PM |
HedgeFund | $40.00 | $40.00 | 3/22/2010 4:36:28 PM |
contract-lotus | $25.00 | $7.46 | 3/22/2010 4:38:02 PM |
khamlagirl | $25.00 | $25.00 | 3/24/2010 8:53:25 PM |
LittleMingo | $25.00 | $25.00 | 3/25/2010 4:42:03 PM |
mobius_titan | $25.00 | $25.00 | 3/25/2010 6:16:58 PM |
PalmerTheEmbalmer | $25.00 | $25.00 | 3/27/2010 9:25:49 PM |
NYCLAIMSGUY | $25.00 | $25.00 | 3/28/2010 12:56:14 PM |
felicity-loyalist0 | $25.00 | $25.00 | 3/28/2010 2:44:10 PM |
BankofPaul | $25.00 | $25.00 | 3/29/2010 5:33:31 AM |
dhallii | $50.00 | $50.00 | 3/29/2010 10:08:03 AM |
velocity-winner | $25.00 | $25.00 | 3/29/2010 11:41:25 AM |
Jtothe3 | $25.00 | $25.00 | 3/29/2010 1:37:05 PM |
wild-orange | $25.00 | $25.00 | 3/29/2010 1:55:01 PM |
58 bids
|
Borrower Payment Dependent Notes Series
451563
This series of Notes was issued and sold upon the funding of the borrower loan #41671, 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-24-2010 |
|
Auction end date:
| Mar-30-2010 |
|
Starting lender yield:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.14% |
Starting monthly payment:
| $101.08 |
Final lender yield:
| 12.00% |
Final borrower rate/APR:
| 13.00% / 15.14% |
Final monthly payment:
| $101.08 |
|
Auction yield range:
| 4.04% - 12.00% |
Estimated loss impact:
| 2.14% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.86% | | |
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-1977 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
12 | Length of status: | 13y 8m |
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 24 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $270,281 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| preeminant-openness |
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
working capital pending loan modifi
Purpose of loan:
This loan will be used to?provide working capital pending final review of home loan modification
My financial situation:
I am a good candidate for this loan because? I have never defaulted on anything as my record will show.
After a loan modification is received, my monthly expense will drop considerably.
Monthly net income: $ 5500.00
Monthly expenses: $ 2500.00
??Housing: $ 3800.00
??Insurance: $ 89
??Car expenses: $ 200.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 1300.00
? Other expenses: $ 732.00 (for girlfriend health insurance)
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:
Loan modifications are considered after you have missed loan payments. How are they modifying the loan for you without any delinquencies? - Cambium
A:
Actually I am told your loan can be modified withhout having delinquencies. Missing loan payments is not a prerequisite for getting a loan modification. Each case is considered on its own merits.
(Mar-30-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
asafb | $300.00 | $300.00 | 3/24/2010 5:55:24 PM |
sks1 | $25.00 | $25.00 | 3/24/2010 5:55:40 PM |
orange-finance-banker | $25.00 | $25.00 | 3/24/2010 5:54:59 PM |
CallMeBen | $50.00 | $50.00 | 3/24/2010 5:55:43 PM |
breadbroker | $25.00 | $25.00 | 3/24/2010 5:55:55 PM |
affluence-tulip | $60.82 | $60.82 | 3/24/2010 5:57:18 PM |
inforapenny | $25.00 | $25.00 | 3/24/2010 5:57:32 PM |
here2lend | $25.00 | $25.00 | 3/24/2010 5:54:56 PM |
excellent-nickel | $25.00 | $25.00 | 3/24/2010 5:56:57 PM |
availableloan | $25.00 | $25.00 | 3/24/2010 5:57:36 PM |
FinDoc | $25.00 | $25.00 | 3/25/2010 5:55:25 AM |
RandyL3 | $33.00 | $33.00 | 3/25/2010 10:40:55 AM |
louisprima | $38.54 | $38.54 | 3/25/2010 12:50:58 PM |
spy0 | $25.00 | $25.00 | 3/26/2010 7:05:55 AM |
wealth-pal3 | $25.00 | $25.00 | 3/26/2010 9:33:37 AM |
Mav26 | $54.21 | $54.21 | 3/26/2010 11:42:12 AM |
bomdel | $25.00 | $25.00 | 3/26/2010 11:50:19 AM |
trade-elm | $25.00 | $25.00 | 3/27/2010 7:09:31 AM |
kind-efficient-credit | $25.00 | $25.00 | 3/27/2010 1:05:05 PM |
ttnk62918 | $25.00 | $25.00 | 3/27/2010 9:07:56 PM |
blooming-kindness | $25.00 | $25.00 | 3/28/2010 8:27:36 AM |
chanee83 | $25.00 | $25.00 | 3/28/2010 11:05:09 AM |
KDW08 | $25.00 | $25.00 | 3/28/2010 10:25:42 PM |
BoughtTheFarm | $25.00 | $25.00 | 3/29/2010 11:12:02 AM |
imlosttoo | $27.98 | $27.98 | 3/29/2010 11:36:20 AM |
ManhattanLender | $25.00 | $25.00 | 3/29/2010 4:53:05 PM |
gustavholstopus32 | $25.00 | $25.00 | 3/29/2010 9:06:18 PM |
newiowa77 | $25.00 | $25.00 | 3/30/2010 8:52:17 AM |
credit-panda1 | $25.00 | $25.00 | 3/30/2010 9:00:52 AM |
buffalobills | $25.00 | $25.00 | 3/30/2010 7:58:08 AM |
broker558 | $25.00 | $25.00 | 3/30/2010 7:21:30 AM |
Rattlehead | $75.00 | $75.00 | 3/24/2010 5:55:41 PM |
Serge2005 | $25.00 | $25.00 | 3/24/2010 7:42:40 PM |
income-fortress | $50.00 | $50.00 | 3/25/2010 6:03:58 AM |
DeltaComputerGuy | $50.00 | $50.00 | 3/25/2010 5:08:00 PM |
Exibility-Inc | $25.00 | $25.00 | 3/26/2010 11:31:53 AM |
IP | $34.72 | $34.72 | 3/26/2010 11:13:42 AM |
spreadgoodwill | $25.00 | $25.00 | 3/26/2010 1:59:49 PM |
bonus-adventure3 | $25.00 | $25.00 | 3/27/2010 6:54:58 AM |
best-listing-toro | $25.00 | $25.00 | 3/27/2010 7:48:53 AM |
mgcby | $25.00 | $25.00 | 3/27/2010 10:32:34 AM |
Unitas4302 | $50.00 | $50.00 | 3/27/2010 10:35:34 AM |
houli123 | $1,895.05 | $928.45 | 3/29/2010 11:06:21 AM |
TheSmartAtheist | $25.00 | $25.00 | 3/29/2010 11:10:21 AM |
Dr_M | $25.00 | $25.00 | 3/29/2010 10:03:15 AM |
sagemoto | $25.00 | $25.00 | 3/29/2010 10:48:27 AM |
building_community | $50.00 | $50.00 | 3/29/2010 11:11:01 AM |
minista | $25.00 | $25.00 | 3/29/2010 11:14:05 AM |
TheWainer | $25.00 | $25.00 | 3/29/2010 1:37:37 PM |
five-star-asset | $25.00 | $25.00 | 3/29/2010 4:35:44 PM |
cloud8 | $35.00 | $35.00 | 3/29/2010 4:36:12 PM |
rapid-currency | $55.00 | $55.00 | 3/29/2010 9:07:24 PM |
imbatman | $34.34 | $34.34 | 3/29/2010 7:48:01 PM |
gain-dolphin | $50.00 | $50.00 | 3/29/2010 10:58:51 PM |
Sven79 | $25.00 | $25.00 | 3/30/2010 1:23:08 AM |
alvinsl | $25.00 | $25.00 | 3/30/2010 4:57:51 AM |
Bender | $47.94 | $47.94 | 3/30/2010 8:59:48 AM |
PalmerTheEmbalmer | $25.00 | $25.00 | 3/30/2010 12:33:26 PM |
58 bids
|
Borrower Payment Dependent Notes Series
451747
This series of Notes was issued and sold upon the funding of the borrower loan #41594, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount:
| $4,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Mar-25-2010 |
|
Auction end date:
| Mar-27-2010 |
|
Starting lender yield:
| 7.12% |
Starting borrower rate/APR:
| 8.12% / 8.46% |
Starting monthly payment:
| $125.57 |
Final lender yield:
| 6.10% |
Final borrower rate/APR:
| 7.10% / 7.44% |
Final monthly payment:
| $123.69 |
|
Auction yield range:
| 3.04% - 7.12% |
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:
| May-1976 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 2m |
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 24 |
Occupation: | Attorney |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,071 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 8% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| lawstudent1 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 29 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $3,500.00 | < mo. late:
| 0
( 0% )
| 740-759
(Jul-2009)
760-779
(Apr-2008)
|
Principal balance:
| $1,647.38 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
Credit Card Consolidation
Purpose of loan:
Paying off a credit card.? In anticipation of the new credit card law?going into effect?the rate on one card shot up.? I would like?to pay it off so I am no longer dealing with the new 20% rate.?
My financial situation:
I am a good candidate for this loan because,?I have recently started a six-figure job at an Am-Law 100?law firm.? I have borrowed from Prosper before, and never missed a payment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
KandKLegacyInvestments | $25.00 | $25.00 | 3/25/2010 3:52:46 PM |
kchen486 | $25.00 | $25.00 | 3/25/2010 3:56:55 PM |
fishtale | $25.00 | $25.00 | 3/25/2010 3:57:31 PM |
contract-lotus | $25.00 | $25.00 | 3/25/2010 3:57:02 PM |
rescue | $500.00 | $500.00 | 3/25/2010 3:57:25 PM |
Dreamconnection | $25.00 | $25.00 | 3/25/2010 3:57:42 PM |
TakeCare | $50.00 | $50.00 | 3/25/2010 3:58:35 PM |
Attract | $25.00 | $25.00 | 3/25/2010 3:57:46 PM |
Merganser | $25.00 | $25.00 | 3/25/2010 3:58:45 PM |
xphile | $25.00 | $25.00 | 3/25/2010 3:57:55 PM |
credit-magician | $25.00 | $25.00 | 3/25/2010 3:54:25 PM |
gain-seagull9 | $25.00 | $25.00 | 3/25/2010 3:56:07 PM |
skvat | $25.00 | $25.00 | 3/25/2010 3:57:05 PM |
goodguy2000 | $25.00 | $25.00 | 3/25/2010 3:57:23 PM |
ideal-penny8 | $25.00 | $25.00 | 3/25/2010 3:57:59 PM |
bonus-adventure3 | $25.00 | $25.00 | 3/25/2010 3:58:22 PM |
restless-currency | $25.00 | $25.00 | 3/25/2010 3:58:25 PM |
lender987654321 | $25.00 | $25.00 | 3/25/2010 3:58:28 PM |
GAOGERAM_BANK | $25.00 | $25.00 | 3/25/2010 3:59:36 PM |
bchen78875 | $50.00 | $50.00 | 3/25/2010 4:09:38 PM |
shrewd-deal | $25.00 | $25.00 | 3/25/2010 4:10:09 PM |
Supernick | $50.00 | $50.00 | 3/25/2010 4:11:21 PM |
HHP | $25.00 | $25.00 | 3/25/2010 4:11:58 PM |
MAKEITAUTOMATIC | $25.00 | $25.00 | 3/25/2010 4:11:59 PM |
andyb9 | $25.00 | $25.00 | 3/25/2010 4:12:25 PM |
don8ter | $60.00 | $60.00 | 3/25/2010 4:09:31 PM |
flexible-value | $31.00 | $31.00 | 3/25/2010 4:09:33 PM |
auction-turbine4 | $50.00 | $50.00 | 3/25/2010 4:13:33 PM |
RandyL3 | $33.00 | $33.00 | 3/25/2010 4:14:12 PM |
USMC0311 | $25.00 | $25.00 | 3/25/2010 4:12:27 PM |
meenan | $25.00 | $25.00 | 3/25/2010 4:12:39 PM |
asset-professor | $100.00 | $100.00 | 3/25/2010 4:12:44 PM |
gatorbanker | $100.00 | $100.00 | 3/25/2010 4:13:03 PM |
cash-queen | $50.00 | $50.00 | 3/25/2010 4:13:29 PM |
Aberdeen | $350.00 | $350.00 | 3/25/2010 4:14:04 PM |
julijask | $35.00 | $35.00 | 3/25/2010 4:14:17 PM |
rate-fluffy-bunny | $25.00 | $25.00 | 3/25/2010 4:10:49 PM |
rakstar | $43.82 | $43.82 | 3/25/2010 4:20:45 PM |
AFairDeal | $25.00 | $25.00 | 3/25/2010 4:11:37 PM |
bigballer105 | $50.00 | $50.00 | 3/25/2010 4:11:52 PM |
blot44 | $25.00 | $25.00 | 3/25/2010 4:47:17 PM |
Walkingcowboy | $25.00 | $25.00 | 3/25/2010 4:12:34 PM |
mlopez2007 | $25.00 | $25.00 | 3/25/2010 4:12:48 PM |
capital-web7 | $25.00 | $25.00 | 3/25/2010 4:13:27 PM |
IrishFlyr2 | $25.00 | $25.00 | 3/25/2010 5:53:01 PM |
NR | $25.00 | $25.00 | 3/25/2010 4:48:34 PM |
LAM26 | $25.00 | $25.00 | 3/25/2010 4:40:05 PM |
lloyd_s | $25.00 | $25.00 | 3/25/2010 4:53:51 PM |
awwaww | $25.00 | $25.00 | 3/25/2010 5:54:09 PM |
the-bright-velocity | $25.00 | $25.00 | 3/25/2010 11:23:07 PM |
impartial-deal | $25.00 | $25.00 | 3/26/2010 11:41:57 AM |
wise-cash-keeper | $50.00 | $50.00 | 3/26/2010 4:05:32 PM |
kenji4861 | $50.00 | $50.00 | 3/25/2010 3:53:00 PM |
successful-euro | $75.00 | $75.00 | 3/25/2010 3:53:46 PM |
windfall46 | $25.00 | $25.00 | 3/25/2010 3:56:27 PM |
lendersf | $95.00 | $95.00 | 3/25/2010 3:56:05 PM |
transparency-halo | $25.00 | $25.00 | 3/25/2010 3:57:08 PM |
payment-gusto | $25.00 | $25.00 | 3/25/2010 3:57:17 PM |
skuba | $50.00 | $50.00 | 3/25/2010 3:58:10 PM |
versatile-platinum4 | $25.00 | $25.00 | 3/25/2010 3:57:27 PM |
honorable-yield | $50.00 | $50.00 | 3/25/2010 3:57:36 PM |
briphi | $25.00 | $25.00 | 3/25/2010 3:57:50 PM |
inspired-contract9 | $50.00 | $50.00 | 3/25/2010 3:58:03 PM |
delicious-social132 | $40.00 | $40.00 | 3/25/2010 3:58:14 PM |
credit-force5 | $25.00 | $25.00 | 3/25/2010 3:58:18 PM |
unforgettable-order9 | $100.00 | $100.00 | 3/25/2010 3:58:31 PM |
FairbairnSG | $25.00 | $25.00 | 3/25/2010 3:57:57 PM |
sentimental-silver7 | $25.00 | $25.00 | 3/25/2010 3:59:02 PM |
gemoscar | $25.00 | $25.00 | 3/25/2010 3:59:09 PM |
ahansen | $25.00 | $25.00 | 3/25/2010 3:59:25 PM |
radforj22 | $25.00 | $25.00 | 3/25/2010 4:09:26 PM |
AF-Chief | $28.00 | $28.00 | 3/25/2010 4:11:35 PM |
BayShell | $50.00 | $50.00 | 3/25/2010 4:12:37 PM |
elasermd | $100.00 | $100.00 | 3/25/2010 4:13:04 PM |
cello1 | $25.00 | $25.00 | 3/25/2010 4:10:28 PM |
Microfinancer | $25.00 | $25.00 | 3/25/2010 4:12:42 PM |
elegant-income3 | $25.00 | $25.00 | 3/25/2010 4:30:53 PM |
fightinjoe | $25.00 | $25.00 | 3/25/2010 4:09:53 PM |
MarinLoans | $25.00 | $25.00 | 3/25/2010 4:11:16 PM |
djs81 | $25.00 | $25.00 | 3/25/2010 4:11:32 PM |
details | $25.00 | $25.00 | 3/25/2010 4:41:33 PM |
loan-warrior | $25.00 | $25.00 | 3/25/2010 4:11:57 PM |
micko | $25.00 | $25.00 | 3/25/2010 4:22:36 PM |
dollar-birdie | $50.00 | $50.00 | 3/25/2010 4:12:45 PM |
moola-man | $25.00 | $25.00 | 3/25/2010 4:53:59 PM |
reflective-deal8 | $50.00 | $50.00 | 3/25/2010 4:12:57 PM |
first-pragmatic-note | $25.00 | $25.00 | 3/25/2010 4:30:01 PM |
ultimate-social | $25.00 | $25.00 | 3/25/2010 4:53:10 PM |
shellcollector | $25.00 | $25.00 | 3/25/2010 4:31:28 PM |
caNative | $25.00 | $5.90 | 3/25/2010 5:56:24 PM |
Strand_Investments | $25.00 | $25.00 | 3/25/2010 5:07:53 PM |
teller | $38.28 | $38.28 | 3/25/2010 5:54:07 PM |
cloud8 | $40.00 | $40.00 | 3/25/2010 7:58:00 PM |
93 bids
|