Sales Report:Supplement No. 16 dated Aug 19, 2010 to Prospectus dated Jul 26, 2010File 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 26, 2010 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 26, 2010 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
454742
This series of Notes was issued and sold upon the funding of the borrower loan #44015, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Jul-26-2010 |
| |
Auction end date:
| Aug-02-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
|
Final lender yield:
| 32.90% |
Final borrower rate/APR:
| 33.90% / 36.34% |
Final monthly payment:
| $156.15 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 19.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
|
Basic (1-10): 4
Enhanced (1-5): 2 |
First credit line:
| Feb-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 12y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,979 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Queentiffany |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 14 ( 93% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 1
( 7% )
| 620-639
(Nov-2009)
760-779
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Paying off all small debts
Purpose of loan:
This loan will be used to tie up some loose ends on existing debt.? My last loan with prosper was paid off in 15 months and was for 10,000.? My credit proves that? I have a lot of credit and that I do pay on time.? Prosper's payment history is incorrect.? I have never been late 30 days on anything.? I just recently got some things corrected on my report that was documented wrong by the bank.? I take a lot of pride in paying on time.
My financial situation:
I am a good candidate for this loan because I pay?on time.? My credit report proves that.?
Monthly net income: $ 7091
Monthly expenses: $
??Housing: $?872
??Insurance: $?200
??Car expenses: $ 60.00
??Utilities: $ 100
??Phone, cable, internet: $ 65.00
??Food, entertainment: $300
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CommunityArts_Non-profit | $25.00 | $25.00 | 7/26/2010 3:14:13 PM |
| frugalinvestor20 | $25.00 | $25.00 | 7/26/2010 3:28:40 PM |
| return-grizzly | $100.00 | $100.00 | 7/27/2010 1:49:49 AM |
| clemclan | $30.00 | $30.00 | 7/27/2010 4:30:59 PM |
| frugalinvestor20 | $25.00 | $25.00 | 7/28/2010 1:17:30 PM |
| realtormoises | $25.00 | $25.00 | 7/29/2010 11:05:37 AM |
| nickel-position | $25.00 | $25.00 | 7/29/2010 4:17:47 PM |
| kindness-venture1 | $25.00 | $25.00 | 7/30/2010 2:40:21 PM |
| beach_bum | $25.00 | $25.00 | 7/30/2010 6:50:45 PM |
| investment-visionary | $25.00 | $25.00 | 7/31/2010 9:12:12 AM |
| admirable-credit | $25.00 | $25.00 | 7/31/2010 5:10:08 PM |
| P3P-Career-Coach | $25.00 | $25.00 | 7/31/2010 6:41:35 PM |
| gbruenin | $25.00 | $25.00 | 8/1/2010 11:26:57 AM |
| houli123 | $288.20 | $288.20 | 8/1/2010 2:06:25 PM |
| nodebt2012 | $25.00 | $25.00 | 8/1/2010 5:23:09 PM |
| sparkling-contract7 | $25.00 | $25.00 | 8/1/2010 5:25:37 PM |
| Kash2010lu | $25.00 | $25.00 | 8/1/2010 3:29:14 PM |
| gjm6d | $25.00 | $25.00 | 8/1/2010 5:11:53 PM |
| Leshan | $75.00 | $75.00 | 8/1/2010 5:29:53 PM |
| ronin4sale | $25.00 | $25.00 | 8/1/2010 8:35:05 PM |
| Sonihal | $46.08 | $46.08 | 8/1/2010 5:56:25 PM |
| dslobbs | $25.09 | $25.09 | 8/1/2010 2:51:33 PM |
| dcm6276 | $25.00 | $25.00 | 8/2/2010 3:32:29 AM |
| skillful-asset5 | $30.00 | $30.00 | 8/1/2010 6:50:50 PM |
| Feyenoord | $25.00 | $25.00 | 8/1/2010 8:20:32 PM |
| DasMula | $25.00 | $25.00 | 8/2/2010 6:59:34 AM |
| thisbucksforu | $25.00 | $25.00 | 8/2/2010 3:36:08 AM |
| niq4soccer | $25.00 | $25.00 | 8/2/2010 7:16:37 AM |
| Bob450 | $30.00 | $30.00 | 8/1/2010 9:19:20 PM |
| exchange-cowbell5 | $50.00 | $50.00 | 8/2/2010 8:19:11 AM |
| glenium | $25.00 | $25.00 | 8/2/2010 4:25:35 AM |
| ds5184 | $25.00 | $25.00 | 8/2/2010 5:02:03 AM |
| allbalooboy2 | $25.00 | $25.00 | 8/2/2010 5:15:17 AM |
| DasMula | $25.00 | $25.00 | 8/2/2010 6:59:21 AM |
| wealth-multiplier | $25.00 | $25.00 | 8/2/2010 9:42:48 AM |
| SouthernRemarketing | $50.00 | $50.00 | 8/2/2010 9:22:48 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/2/2010 9:28:22 AM |
| jimmya | $34.03 | $34.03 | 8/2/2010 9:39:52 AM |
| sensational-peace6 | $100.00 | $100.00 | 8/2/2010 9:52:25 AM |
| ComputerCash25 | $25.00 | $25.00 | 7/27/2010 11:01:39 AM |
| Moe87 | $25.00 | $25.00 | 7/27/2010 5:48:06 PM |
| BrighterSuns | $25.00 | $25.00 | 7/28/2010 4:57:21 PM |
| bobd32 | $25.00 | $25.00 | 7/29/2010 10:38:30 AM |
| YoungTaxMan | $400.00 | $400.00 | 7/30/2010 11:14:25 AM |
| mrxtravis | $25.00 | $25.00 | 7/30/2010 12:44:57 PM |
| jerrymaguire | $25.00 | $25.00 | 7/31/2010 9:35:36 AM |
| Moe87 | $25.00 | $25.00 | 7/31/2010 8:47:22 AM |
| lucrative-loan | $50.00 | $50.00 | 7/31/2010 7:49:05 AM |
| Kash2010lu | $25.00 | $25.00 | 7/31/2010 9:07:54 AM |
| COCHINOBOY | $50.00 | $50.00 | 7/31/2010 1:19:30 PM |
| loss-of-control | $50.00 | $50.00 | 7/31/2010 8:04:18 PM |
| carrinel | $53.08 | $53.08 | 8/1/2010 8:17:17 AM |
| Moe87 | $25.00 | $25.00 | 8/1/2010 8:36:07 AM |
| five-star-note | $75.99 | $75.99 | 8/1/2010 1:24:28 AM |
| principal-mermaid | $300.00 | $300.00 | 8/1/2010 8:51:53 AM |
| Cambium | $30.00 | $30.00 | 8/1/2010 11:06:06 AM |
| brosco2323 | $25.00 | $25.00 | 8/1/2010 6:41:17 AM |
| master648 | $25.00 | $25.00 | 8/1/2010 11:53:21 AM |
| Rip128 | $75.00 | $75.00 | 8/1/2010 2:18:45 PM |
| vigilance-searcher | $25.00 | $25.00 | 8/1/2010 5:23:35 PM |
| hillerod | $25.00 | $25.00 | 8/1/2010 9:45:57 PM |
| RyanM561 | $25.00 | $25.00 | 8/1/2010 6:44:36 PM |
| NekHoldings | $25.00 | $25.00 | 8/2/2010 5:47:28 AM |
| wealth-pipeline | $25.00 | $0.40 | 8/2/2010 6:46:09 AM |
| DasMula | $25.00 | $25.00 | 8/2/2010 6:59:47 AM |
| sturdy-peace9 | $75.00 | $75.00 | 8/1/2010 9:24:11 PM |
| social-zebra | $30.00 | $30.00 | 8/2/2010 7:44:30 AM |
| loanman2007 | $25.00 | $25.00 | 8/2/2010 7:56:19 AM |
| JauaFlash | $26.37 | $26.37 | 8/2/2010 8:22:33 AM |
| unger | $90.00 | $90.00 | 8/2/2010 8:58:42 AM |
| grampy48 | $25.00 | $25.00 | 8/2/2010 7:57:10 AM |
| DasMula | $25.00 | $25.00 | 8/2/2010 6:59:08 AM |
| ColoradoLender82 | $25.00 | $25.00 | 8/2/2010 9:37:43 AM |
| eboomer2611 | $25.00 | $25.00 | 8/2/2010 9:23:13 AM |
| Bekim | $35.75 | $35.75 | 8/2/2010 9:27:38 AM |
| dough-rocket | $50.00 | $50.00 | 8/2/2010 9:42:25 AM |
| Nerdster1 | $25.01 | $25.01 | 8/2/2010 9:44:21 AM |
| Cybercusp | $25.00 | $25.00 | 8/2/2010 9:48:25 AM |
| 78 bids
|
Borrower Payment Dependent Notes Series
459156
This series of Notes was issued and sold upon the funding of the borrower loan #43995, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Aug-10-2010 |
| |
Auction end date:
| Aug-17-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $349.30 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $349.30 |
| |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
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 score (1-10):
| 8 |
First credit line:
| Apr-1997 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 6y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $13,429 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| johnsongood |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to? By consolidating my monthly bills this loan will reduce my monthly payments by $1,200.00 dollars.
My financial situation:
I am a?great candidate for this loan because? My credit is outstanding with no history of late payments.
Monthly net income: $ $7,400.00
Monthly expenses: $ 5,215.00
??Housing: $ $900.00
??Insurance: $ $175.00
??Car expenses: $ 700.00
??Utilities: $ $190.00
??Phone, cable, internet: $ $250.00
??Food, entertainment: $ $400.00
??Clothing, household expenses $ $200.00
??Credit cards and other loans: $ 1,000.00
??Other expenses: $ $500.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Could you please explain how refinancing debt of $8500 will reduce your monthly payments by $1200? $1200+ seems like an excessive amount of finance charges on an $8500 debt. Did you mean $120 instead of $1200? - new-peso-concerto
A:
I am using the loan of $8500 to pay off a auto loan payment of $500 a month, and a 401k loan that cost me $260.00 a month, and a few credit cards that total payments of about $400.00 a month. Sorry for the confusion.
(Aug-10-2010)
Q:
What are the public records? - Trakissta
A:
I have a bankruptcy coming off my record11/01/10. Due to a failed quick lube business in 2000.
(Aug-10-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reward-adventure | $30.00 | $30.00 | 8/10/2010 3:15:44 PM |
| Artist_Blue | $25.00 | $25.00 | 8/10/2010 3:30:54 PM |
| Ocean713 | $50.00 | $50.00 | 8/11/2010 7:38:49 AM |
| cablenews | $25.00 | $25.00 | 8/11/2010 2:20:05 PM |
| top-courteous-peso | $50.00 | $50.00 | 8/12/2010 3:34:05 PM |
| new-social-economist | $25.00 | $25.00 | 8/12/2010 5:17:54 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/12/2010 3:37:13 PM |
| leodaguy | $100.00 | $100.00 | 8/13/2010 4:37:28 PM |
| asiaratt | $50.00 | $50.00 | 8/13/2010 3:04:15 PM |
| gelidfrank | $25.00 | $25.00 | 8/14/2010 4:53:30 PM |
| the-silver-blaster | $35.00 | $35.00 | 8/15/2010 10:27:24 AM |
| kulender | $50.00 | $50.00 | 8/15/2010 11:52:22 AM |
| helping-out | $30.00 | $30.00 | 8/15/2010 9:07:37 PM |
| adir1 | $25.00 | $25.00 | 8/15/2010 11:57:52 PM |
| economy-producer | $25.00 | $25.00 | 8/16/2010 1:24:33 PM |
| amijo | $25.00 | $25.00 | 8/16/2010 3:18:44 PM |
| davidy | $25.00 | $25.00 | 8/16/2010 3:19:27 PM |
| CPAMAN | $25.00 | $25.00 | 8/16/2010 3:19:55 PM |
| LKN2RTR | $25.00 | $25.00 | 8/16/2010 3:20:45 PM |
| diverse2 | $25.00 | $25.00 | 8/16/2010 3:24:13 PM |
| piter-to-la-investment | $25.00 | $25.00 | 8/16/2010 3:32:08 PM |
| Trevor_C | $25.00 | $25.00 | 8/16/2010 3:18:52 PM |
| HunterSix | $25.00 | $25.00 | 8/16/2010 3:30:54 PM |
| jhernand17 | $25.00 | $25.00 | 8/16/2010 3:36:45 PM |
| poeman | $25.00 | $25.00 | 8/16/2010 3:37:11 PM |
| affluence-tycoon | $25.00 | $25.00 | 8/16/2010 3:32:31 PM |
| mtquan | $25.00 | $25.00 | 8/16/2010 3:38:07 PM |
| orbital-velocity7 | $50.00 | $50.00 | 8/16/2010 3:38:17 PM |
| anton | $150.00 | $150.00 | 8/16/2010 3:34:43 PM |
| deadbabyseal | $25.00 | $25.00 | 8/16/2010 3:39:29 PM |
| StWaldo | $25.00 | $25.00 | 8/16/2010 3:25:39 PM |
| mrzz | $25.00 | $25.00 | 8/16/2010 3:36:01 PM |
| jstnow | $25.00 | $25.00 | 8/16/2010 3:40:00 PM |
| head | $25.00 | $25.00 | 8/16/2010 3:36:18 PM |
| dmh4880 | $60.00 | $60.00 | 8/16/2010 3:40:16 PM |
| somebody32 | $25.00 | $25.00 | 8/16/2010 3:36:42 PM |
| wwwUniversal | $25.00 | $25.00 | 8/16/2010 3:40:34 PM |
| speedy-point | $25.00 | $25.00 | 8/16/2010 3:37:25 PM |
| cestesV | $50.00 | $50.00 | 8/16/2010 3:37:35 PM |
| jamiee73 | $25.00 | $25.00 | 8/16/2010 3:41:13 PM |
| AAAInvestments | $25.00 | $25.00 | 8/16/2010 3:37:51 PM |
| LAM26 | $25.00 | $25.00 | 8/16/2010 3:41:17 PM |
| deal-pinnacle7 | $25.00 | $25.00 | 8/16/2010 3:38:00 PM |
| unbeatable-wealth | $25.00 | $25.00 | 8/16/2010 3:38:04 PM |
| econman1 | $50.00 | $50.00 | 8/16/2010 3:41:40 PM |
| Nerdster1 | $25.00 | $25.00 | 8/16/2010 3:38:16 PM |
| Jumbojack | $50.00 | $50.00 | 8/16/2010 3:41:57 PM |
| Schu | $50.00 | $50.00 | 8/16/2010 3:39:30 PM |
| seisen | $50.00 | $50.00 | 8/16/2010 3:43:04 PM |
| asmithj | $50.00 | $50.00 | 8/16/2010 3:39:33 PM |
| Crystalprop | $25.00 | $25.00 | 8/16/2010 3:31:44 PM |
| redondo | $50.00 | $50.00 | 8/16/2010 3:43:20 PM |
| MAYBROOK | $50.00 | $50.00 | 8/16/2010 3:39:59 PM |
| Hokie83 | $25.00 | $25.00 | 8/16/2010 3:32:41 PM |
| ChrisKwan | $25.00 | $25.00 | 8/16/2010 3:32:56 PM |
| asset-trumpeter | $50.00 | $50.00 | 8/16/2010 3:44:14 PM |
| ayerobbie | $25.00 | $25.00 | 8/16/2010 3:41:00 PM |
| S-Master | $25.00 | $25.00 | 8/16/2010 3:41:16 PM |
| flwah | $25.00 | $25.00 | 8/16/2010 3:34:40 PM |
| zorg77 | $25.00 | $25.00 | 8/16/2010 3:42:01 PM |
| top-historic-peso | $25.00 | $25.00 | 8/16/2010 3:46:11 PM |
| lostontheedge | $25.00 | $25.00 | 8/16/2010 3:36:47 PM |
| loan_doctor | $25.00 | $25.00 | 8/16/2010 3:36:56 PM |
| well-rounded-dinero | $25.00 | $25.00 | 8/16/2010 3:43:21 PM |
| turbolozano | $25.00 | $25.00 | 8/16/2010 3:37:02 PM |
| Cre8iveCash | $25.00 | $25.00 | 8/16/2010 3:37:20 PM |
| garenyth | $50.00 | $50.00 | 8/16/2010 3:43:31 PM |
| innocent-income4 | $25.00 | $25.00 | 8/16/2010 3:43:36 PM |
| cospilot | $25.00 | $25.00 | 8/16/2010 3:43:46 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 8/16/2010 3:43:59 PM |
| astute-dollar | $25.00 | $25.00 | 8/16/2010 3:38:05 PM |
| b2m80s | $25.00 | $25.00 | 8/16/2010 3:38:12 PM |
| gizzywump | $50.00 | $50.00 | 8/16/2010 3:38:15 PM |
| PThor | $25.00 | $25.00 | 8/16/2010 3:54:21 PM |
| best-coin-miser | $25.00 | $25.00 | 8/16/2010 3:40:00 PM |
| honorable-yield | $35.00 | $35.00 | 8/16/2010 3:40:11 PM |
| insrq | $25.00 | $25.00 | 8/16/2010 3:40:17 PM |
| phredd | $25.00 | $25.00 | 8/16/2010 3:40:33 PM |
| SeaDevil | $33.97 | $33.97 | 8/16/2010 3:40:45 PM |
| the-productive-agreement | $25.00 | $25.00 | 8/16/2010 3:40:52 PM |
| genuine-responsibility8 | $50.00 | $50.00 | 8/16/2010 3:41:11 PM |
| PotatoLender | $25.00 | $25.00 | 8/16/2010 3:41:17 PM |
| Hambone1111 | $25.00 | $25.00 | 8/16/2010 3:42:29 PM |
| AM2008 | $25.00 | $25.00 | 8/16/2010 5:53:22 PM |
| epic-balance0 | $25.00 | $25.00 | 8/16/2010 3:42:57 PM |
| peterpossum | $25.00 | $25.00 | 8/16/2010 3:43:38 PM |
| lucrative-coin | $84.83 | $84.83 | 8/16/2010 6:52:00 PM |
| oldmora | $50.00 | $50.00 | 8/16/2010 3:43:52 PM |
| Emberfox | $25.00 | $25.00 | 8/16/2010 7:57:27 PM |
| friendlyviking | $41.71 | $41.71 | 8/16/2010 8:01:57 PM |
| kaykarun | $25.00 | $25.00 | 8/16/2010 8:22:11 PM |
| jeager | $25.00 | $25.00 | 8/16/2010 8:57:03 PM |
| tech310 | $50.00 | $50.00 | 8/16/2010 11:42:52 PM |
| Leshan | $33.33 | $33.33 | 8/17/2010 5:36:16 AM |
| KBC000 | $25.00 | $25.00 | 8/16/2010 5:37:06 PM |
| loan-fate | $50.00 | $50.00 | 8/16/2010 9:43:09 PM |
| DasMula | $25.00 | $25.00 | 8/16/2010 10:32:35 PM |
| shrewd-truth1 | $25.00 | $8.06 | 8/16/2010 9:42:36 PM |
| SolarMoonshine | $25.00 | $25.00 | 8/17/2010 9:10:41 AM |
| wirebutterfly | $25.00 | $25.00 | 8/17/2010 1:24:49 AM |
| silverloan | $33.88 | $33.88 | 8/17/2010 12:32:13 PM |
| friendinmoney | $25.00 | $25.00 | 8/17/2010 12:21:31 PM |
| integrity-doctor | $100.00 | $100.00 | 8/17/2010 12:24:31 PM |
| bold-hope-vinyl | $50.00 | $50.00 | 8/17/2010 12:53:39 PM |
| mistrike | $25.00 | $25.00 | 8/17/2010 12:28:29 PM |
| sgt-schultz | $25.00 | $25.00 | 8/17/2010 1:12:11 PM |
| Lubava | $25.00 | $25.00 | 8/17/2010 12:31:17 PM |
| luann199 | $35.00 | $35.00 | 8/17/2010 12:37:39 PM |
| attractive-fund | $50.00 | $50.00 | 8/17/2010 1:36:45 PM |
| Isotope | $25.00 | $25.00 | 8/17/2010 2:05:47 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/17/2010 1:27:16 PM |
| leverage-monger | $61.00 | $61.00 | 8/17/2010 2:21:06 PM |
| grampy48 | $25.00 | $25.00 | 8/17/2010 2:26:53 PM |
| kindness-percolator5 | $25.00 | $25.00 | 8/17/2010 2:34:23 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/17/2010 1:40:47 PM |
| credit-missile | $25.00 | $25.00 | 8/17/2010 2:20:45 PM |
| MSLendingLLC | $35.09 | $35.09 | 8/17/2010 2:02:49 PM |
| Starfin-Capital-Management | $300.00 | $300.00 | 8/17/2010 2:43:09 PM |
| wlm3012 | $25.00 | $25.00 | 8/17/2010 2:35:32 PM |
| trade-goblin9 | $25.00 | $25.00 | 8/17/2010 2:45:59 PM |
| balance-handshake7 | $25.00 | $25.00 | 8/10/2010 3:16:28 PM |
| important-openness1 | $100.00 | $100.00 | 8/10/2010 3:18:50 PM |
| personal-lender | $25.00 | $25.00 | 8/10/2010 3:16:31 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/10/2010 3:20:28 PM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:41:02 AM |
| kegs | $100.00 | $100.00 | 8/11/2010 10:13:42 AM |
| larrybird | $100.00 | $100.00 | 8/11/2010 6:26:10 PM |
| reflective-rupee | $25.00 | $25.00 | 8/12/2010 2:33:54 PM |
| bid-czar8 | $50.00 | $50.00 | 8/12/2010 7:13:20 PM |
| copper | $50.00 | $50.00 | 8/13/2010 3:01:19 PM |
| kind-bill-supporter | $50.00 | $50.00 | 8/13/2010 3:03:54 PM |
| red-power-pecan | $50.00 | $50.00 | 8/13/2010 7:56:12 PM |
| mtp | $44.90 | $44.90 | 8/14/2010 5:07:24 AM |
| BeanCownter | $100.00 | $100.00 | 8/14/2010 12:52:03 PM |
| richboy56 | $25.00 | $25.00 | 8/15/2010 2:15:59 PM |
| Investoman | $46.05 | $46.05 | 8/15/2010 6:17:54 PM |
| magnolia161 | $50.00 | $50.00 | 8/16/2010 1:25:54 PM |
| sensible-trade | $29.60 | $29.60 | 8/16/2010 1:26:02 PM |
| chkrvrty | $25.00 | $25.00 | 8/16/2010 2:54:06 PM |
| TEAM-Jasper | $25.00 | $25.00 | 8/16/2010 3:18:45 PM |
| abundant-credit6 | $25.00 | $25.00 | 8/16/2010 3:26:16 PM |
| spsavage | $25.00 | $25.00 | 8/16/2010 3:19:53 PM |
| tuneman1980 | $25.00 | $25.00 | 8/16/2010 3:23:44 PM |
| PatRichi | $25.00 | $25.00 | 8/16/2010 3:34:45 PM |
| Crewhippie | $25.00 | $25.00 | 8/16/2010 3:30:08 PM |
| bid-papyrus | $25.00 | $25.00 | 8/16/2010 3:32:51 PM |
| calkidd05 | $25.00 | $25.00 | 8/16/2010 3:38:02 PM |
| happy-return4 | $36.61 | $36.61 | 8/16/2010 3:24:00 PM |
| hard-working-loot | $25.00 | $25.00 | 8/16/2010 3:38:39 PM |
| ingenious-diversification | $25.00 | $25.00 | 8/16/2010 3:39:28 PM |
| IntrepidInvestment | $50.00 | $50.00 | 8/16/2010 3:39:58 PM |
| Cybercusp | $25.00 | $25.00 | 8/16/2010 3:36:08 PM |
| dcap3 | $75.00 | $75.00 | 8/16/2010 3:36:37 PM |
| puifais | $25.00 | $25.00 | 8/16/2010 3:37:23 PM |
| generous-deal6 | $25.00 | $25.00 | 8/16/2010 3:37:31 PM |
| wicker1 | $25.00 | $25.00 | 8/16/2010 3:40:58 PM |
| wanna-help | $25.00 | $25.00 | 8/16/2010 3:27:59 PM |
| moola-man | $25.00 | $25.00 | 8/16/2010 3:38:01 PM |
| famous-bill | $50.00 | $50.00 | 8/16/2010 3:38:09 PM |
| income-pillow | $50.00 | $50.00 | 8/16/2010 3:41:42 PM |
| saysana | $25.00 | $25.00 | 8/16/2010 3:41:54 PM |
| Aveon | $50.00 | $50.00 | 8/16/2010 3:43:02 PM |
| cash-spark3 | $25.00 | $25.00 | 8/16/2010 3:39:31 PM |
| redcat57 | $25.00 | $25.00 | 8/16/2010 3:32:01 PM |
| lagnisiruk | $25.00 | $25.00 | 8/16/2010 3:43:39 PM |
| bulabula | $25.00 | $25.00 | 8/16/2010 3:40:01 PM |
| saffron4 | $25.00 | $25.00 | 8/16/2010 3:43:47 PM |
| bountiful-durability | $100.00 | $100.00 | 8/16/2010 3:43:53 PM |
| FASTIZIO_P | $25.00 | $25.00 | 8/16/2010 3:32:47 PM |
| dinero-mason | $50.00 | $50.00 | 8/16/2010 3:44:03 PM |
| igotmoney | $25.00 | $25.00 | 8/16/2010 3:44:20 PM |
| delivery | $25.00 | $25.00 | 8/16/2010 3:44:22 PM |
| MONEYMATCH | $25.00 | $25.00 | 8/16/2010 3:41:18 PM |
| life-is-great | $50.00 | $50.00 | 8/16/2010 3:41:21 PM |
| Zingaro | $25.00 | $25.00 | 8/16/2010 3:45:33 PM |
| hc90474 | $25.00 | $25.00 | 8/16/2010 3:46:12 PM |
| kmavm | $25.00 | $25.00 | 8/16/2010 3:37:26 PM |
| green-moola-sniffer | $50.00 | $50.00 | 8/16/2010 3:43:42 PM |
| social-conductor4 | $25.00 | $25.00 | 8/16/2010 3:37:42 PM |
| OCedHrt | $25.00 | $25.00 | 8/16/2010 3:38:11 PM |
| bullish2bearish | $30.00 | $30.00 | 8/16/2010 3:38:13 PM |
| shanedog | $50.00 | $50.00 | 8/16/2010 3:38:16 PM |
| CC911 | $25.00 | $25.00 | 8/16/2010 3:38:25 PM |
| painterflipper | $50.00 | $50.00 | 8/16/2010 3:39:27 PM |
| FeedTheMachine | $100.00 | $100.00 | 8/16/2010 3:39:35 PM |
| Soxxes | $25.00 | $25.00 | 8/16/2010 3:40:15 PM |
| p2ploan-bliss | $25.00 | $25.00 | 8/16/2010 3:40:18 PM |
| dime-sitar | $25.00 | $25.00 | 8/16/2010 3:40:57 PM |
| naina_my_daughter | $25.00 | $25.00 | 8/16/2010 3:41:14 PM |
| smart-leverage7 | $30.00 | $30.00 | 8/16/2010 3:41:49 PM |
| schoolchamp | $25.00 | $25.00 | 8/16/2010 3:43:25 PM |
| droopie1 | $25.00 | $25.00 | 8/16/2010 3:43:30 PM |
| AF-Chief | $33.00 | $33.00 | 8/16/2010 3:43:44 PM |
| MetraLynn | $25.00 | $25.00 | 8/16/2010 3:43:49 PM |
| thestartuplender | $50.00 | $50.00 | 8/16/2010 3:43:55 PM |
| tolerant-interest4 | $25.00 | $25.00 | 8/16/2010 3:44:09 PM |
| matt_2006 | $25.00 | $25.00 | 8/16/2010 3:55:02 PM |
| first-upright-payout | $50.00 | $50.00 | 8/16/2010 3:45:14 PM |
| Helenska11 | $25.00 | $25.00 | 8/16/2010 4:19:39 PM |
| Patter256 | $25.00 | $25.00 | 8/16/2010 3:46:11 PM |
| Integrity13 | $50.00 | $50.00 | 8/16/2010 3:48:34 PM |
| lively-exchange | $25.00 | $25.00 | 8/16/2010 6:21:01 PM |
| mercuriant | $25.00 | $25.00 | 8/16/2010 3:49:44 PM |
| Rogesparkguy | $25.00 | $25.00 | 8/16/2010 7:27:08 PM |
| fairhelper | $25.00 | $25.00 | 8/16/2010 9:22:08 PM |
| Starfin-Capital-Management | $100.00 | $100.00 | 8/16/2010 7:44:23 PM |
| zone6 | $75.00 | $75.00 | 8/16/2010 8:42:21 PM |
| azncurls82 | $50.00 | $50.00 | 8/16/2010 4:27:07 PM |
| payment-gusto | $25.00 | $25.00 | 8/16/2010 8:56:56 PM |
| TheYellowDart | $25.00 | $25.00 | 8/16/2010 7:02:43 PM |
| inspiring-reward | $37.25 | $37.25 | 8/16/2010 7:02:45 PM |
| unafraid-nickel | $25.00 | $25.00 | 8/16/2010 7:37:06 PM |
| wattboy | $99.06 | $99.06 | 8/16/2010 8:32:08 PM |
| tompau | $25.00 | $25.00 | 8/17/2010 6:45:33 AM |
| systemlender | $30.00 | $30.00 | 8/17/2010 1:29:11 PM |
| partyplan | $25.00 | $25.00 | 8/17/2010 1:16:07 PM |
| StreetJustice | $34.60 | $34.60 | 8/17/2010 1:26:47 PM |
| integrity-builder | $50.00 | $50.00 | 8/17/2010 1:30:23 PM |
| johnk317 | $50.00 | $50.00 | 8/17/2010 1:45:56 PM |
| wonder3 | $25.00 | $25.00 | 8/17/2010 2:04:11 PM |
| Starfin-Capital-Management | $200.00 | $200.00 | 8/17/2010 1:27:02 PM |
| credit-missile | $42.06 | $42.06 | 8/17/2010 2:20:18 PM |
| credit-missile | $25.00 | $25.00 | 8/17/2010 2:21:04 PM |
| CaliforniaSun | $25.00 | $25.00 | 8/17/2010 2:39:17 PM |
| 224 bids
|
Borrower Payment Dependent Notes Series
465118
This series of Notes was issued and sold upon the funding of the borrower loan #43981, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Aug-10-2010 |
| |
Auction end date:
| Aug-15-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 41.36% |
Final monthly payment:
| $45.24 |
| |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,525 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| onflight1978 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest loan
Purpose of loan:
This loan will be used to?
Pay off a loan that has a very high interest rate.? This would allow me to pay it off faster.
My financial situation:
I am a good candidate for this loan because?
I have never been late or delinquent on any of my bills.? I have a secure job.? If approved for this loan, my goal is to pay it off very fast.
Monthly?gross income: $
3720.00
My TransUnion score is 697 as of 7/21/10.
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) |
|
| Dave_Cashflow | $25.00 | $25.00 | 8/10/2010 2:49:41 PM |
| simplelender80 | $100.00 | $100.00 | 8/10/2010 2:56:48 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/10/2010 3:40:28 PM |
| penny-sergeant | $25.00 | $25.00 | 8/11/2010 5:27:53 AM |
| larrybird | $100.00 | $100.00 | 8/11/2010 4:33:01 PM |
| reflective-rupee | $25.00 | $25.00 | 8/12/2010 2:33:07 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 8/13/2010 5:17:27 PM |
| gshx2 | $36.00 | $36.00 | 8/14/2010 12:34:49 AM |
| wlm3012 | $25.00 | $25.00 | 8/14/2010 11:54:34 AM |
| DonDiego | $25.00 | $25.00 | 8/14/2010 9:06:31 PM |
| mrxtravis | $50.00 | $50.00 | 8/15/2010 8:47:20 AM |
| discrete-truth7 | $50.00 | $39.00 | 8/15/2010 12:33:49 PM |
| retired272 | $25.00 | $25.00 | 8/10/2010 4:03:03 PM |
| Artist_Blue | $25.00 | $25.00 | 8/11/2010 2:57:31 AM |
| kegs | $100.00 | $100.00 | 8/11/2010 2:20:23 PM |
| zone8 | $100.00 | $100.00 | 8/11/2010 2:18:31 PM |
| JustMee | $25.00 | $25.00 | 8/11/2010 8:03:19 PM |
| ComputerCash25 | $25.00 | $25.00 | 8/12/2010 8:02:05 AM |
| serene-capital | $25.00 | $25.00 | 8/12/2010 3:48:55 PM |
| birddogsb | $50.00 | $50.00 | 8/13/2010 12:49:57 PM |
| kind-bill-supporter | $25.00 | $25.00 | 8/13/2010 2:53:19 PM |
| highyield | $75.00 | $75.00 | 8/15/2010 12:56:36 AM |
| jpaulnyc | $25.00 | $25.00 | 8/15/2010 10:05:21 AM |
| 23 bids
|
Borrower Payment Dependent Notes Series
469384
This series of Notes was issued and sold upon the funding of the borrower loan #44012, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% |
Auction start date:
| Aug-02-2010 |
| |
Auction end date:
| Aug-09-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $200.79 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $200.79 |
| |
|
Auction yield range:
| 10.93% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
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 score (1-10):
| 5 |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 720-739 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 12y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,457 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| peachgal |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Jun-2008)
680-699
(Mar-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Remodeling the Family Room
Purpose of loan:
This loan will be used to?Get rid of a high interest credit card and do some home improvement.?
My financial situation:
I am a good candidate for this loan because?I have improved my credit?greatly?over the past couple of years and I know I will have no trouble paying this back.??As you can see my credit score is in the 700's and I am not a risk.
Monthly net income: $ 3700.00
Monthly expenses: $
??Housing: $ 1400.00
??Insurance: $ Included in?house payment
??Car expenses: $ 600.00
??Utilities: $ paid by husband
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| copper | $30.00 | $30.00 | 8/2/2010 11:30:09 AM |
| Artist_Blue | $25.00 | $25.00 | 8/2/2010 11:31:18 AM |
| alexgalt | $100.00 | $100.00 | 8/2/2010 11:41:07 AM |
| asiaratt | $50.00 | $50.00 | 8/2/2010 11:52:55 AM |
| patriot897 | $25.00 | $25.00 | 8/2/2010 11:54:28 AM |
| worthy-bid8 | $50.00 | $50.00 | 8/2/2010 11:55:01 AM |
| personal-lender | $25.00 | $25.00 | 8/2/2010 11:55:30 AM |
| balance-handshake7 | $25.00 | $25.00 | 8/2/2010 11:54:02 AM |
| authoritative-platinum7 | $25.00 | $25.00 | 8/2/2010 12:03:46 PM |
| loyalist1 | $100.00 | $100.00 | 8/2/2010 12:11:35 PM |
| the-purposeful-principal | $25.00 | $25.00 | 8/2/2010 12:37:53 PM |
| BeanCownter | $100.00 | $100.00 | 8/2/2010 12:38:35 PM |
| kind-bill-supporter | $50.00 | $50.00 | 8/2/2010 12:42:56 PM |
| jgar_O | $25.00 | $25.00 | 8/2/2010 3:17:10 PM |
| Moe87 | $25.00 | $25.00 | 8/2/2010 6:49:17 PM |
| magnolia161 | $50.00 | $50.00 | 8/3/2010 7:50:58 AM |
| reflective-rupee | $25.00 | $25.00 | 8/3/2010 11:07:31 AM |
| mercuriant | $25.00 | $25.00 | 8/3/2010 5:22:04 PM |
| SolarMoonshine | $25.00 | $25.00 | 8/3/2010 6:08:35 PM |
| Havana21 | $25.00 | $25.00 | 8/4/2010 1:36:08 AM |
| well-mannered-income3 | $30.00 | $30.00 | 8/4/2010 4:35:47 PM |
| kegs | $46.07 | $46.07 | 8/5/2010 7:33:51 AM |
| AAAInvestments | $25.00 | $25.00 | 8/5/2010 6:57:54 AM |
| dcap3 | $100.00 | $100.00 | 8/5/2010 8:54:46 AM |
| important-openness1 | $100.00 | $100.00 | 8/5/2010 9:33:20 AM |
| the-silver-blaster | $50.00 | $50.00 | 8/5/2010 4:59:37 PM |
| cash-spark3 | $25.00 | $25.00 | 8/5/2010 4:59:36 PM |
| payment-gusto | $25.00 | $25.00 | 8/5/2010 7:52:56 PM |
| fabulous-community4 | $200.00 | $200.00 | 8/6/2010 9:36:18 AM |
| Cybercusp | $25.00 | $25.00 | 8/6/2010 10:40:36 AM |
| deal-pinnacle7 | $25.00 | $25.00 | 8/6/2010 10:41:52 AM |
| sensible-trade | $100.00 | $100.00 | 8/6/2010 12:23:13 PM |
| asmithj | $50.00 | $50.00 | 8/6/2010 3:34:03 PM |
| Helenska11 | $100.00 | $100.00 | 8/6/2010 6:46:28 PM |
| zone6 | $100.00 | $100.00 | 8/6/2010 7:28:12 PM |
| brondero | $35.00 | $35.00 | 8/7/2010 6:12:13 AM |
| Ducatiman1978 | $25.00 | $25.00 | 8/7/2010 9:27:53 AM |
| lucrative-coin | $50.00 | $16.45 | 8/7/2010 9:46:53 AM |
| five-star-note | $35.00 | $35.00 | 8/7/2010 12:08:28 PM |
| loanman2007 | $25.00 | $25.00 | 8/7/2010 12:03:29 PM |
| BrighterSuns | $25.00 | $25.00 | 8/7/2010 11:04:34 AM |
| loss-of-control | $25.00 | $25.00 | 8/7/2010 7:01:32 PM |
| Dollars4Rent | $25.00 | $25.00 | 8/7/2010 11:59:37 AM |
| Moe87 | $25.00 | $25.00 | 8/7/2010 9:48:14 PM |
| friendinmoney | $25.00 | $25.00 | 8/8/2010 6:26:38 PM |
| loan-fate | $50.00 | $50.00 | 8/8/2010 10:08:26 AM |
| marwadi-62 | $100.00 | $100.00 | 8/8/2010 6:28:26 PM |
| wonder3 | $35.00 | $35.00 | 8/8/2010 7:58:08 PM |
| reflective-rupee | $25.00 | $25.00 | 8/8/2010 9:39:32 PM |
| Mikale360 | $25.00 | $25.00 | 8/9/2010 6:56:40 AM |
| wwwUniversal | $25.00 | $25.00 | 8/9/2010 6:35:36 AM |
| lender12345 | $25.00 | $25.00 | 8/8/2010 8:03:50 PM |
| reflective-rupee | $25.00 | $25.00 | 8/8/2010 9:40:02 PM |
| DasMula | $25.00 | $25.00 | 8/8/2010 11:29:04 PM |
| McDeeter | $25.00 | $25.00 | 8/9/2010 8:35:57 AM |
| diversification-maple1 | $50.00 | $50.00 | 8/9/2010 10:55:31 AM |
| nildivloans | $25.00 | $25.00 | 8/9/2010 8:37:50 AM |
| credit-coach118 | $35.00 | $35.00 | 8/9/2010 8:57:02 AM |
| Helping-One-Another | $29.52 | $29.52 | 8/9/2010 9:54:43 AM |
| zztopdog | $25.00 | $25.00 | 8/9/2010 10:17:49 AM |
| 168RichCapital | $25.00 | $25.00 | 8/9/2010 10:19:01 AM |
| ekmendenhall | $45.00 | $45.00 | 8/2/2010 11:33:10 AM |
| Comoparklender | $40.00 | $40.00 | 8/2/2010 11:28:47 AM |
| lendstats_com | $25.00 | $25.00 | 8/2/2010 11:43:25 AM |
| reward-adventure | $30.00 | $30.00 | 8/2/2010 11:53:14 AM |
| simplelender80 | $50.00 | $50.00 | 8/2/2010 11:52:17 AM |
| WalnutCreekguy | $25.00 | $25.00 | 8/2/2010 12:04:52 PM |
| mtp | $50.00 | $50.00 | 8/2/2010 12:01:04 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/2/2010 12:11:54 PM |
| kaykarun | $25.00 | $25.00 | 8/2/2010 12:35:17 PM |
| beakerfish | $300.00 | $300.00 | 8/2/2010 9:35:11 PM |
| balanced-bill7 | $50.00 | $50.00 | 8/3/2010 7:00:43 AM |
| treasure-bliss | $100.00 | $100.00 | 8/3/2010 5:20:53 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/4/2010 6:22:54 AM |
| cablenews | $25.00 | $25.00 | 8/4/2010 3:19:38 AM |
| leodaguy | $100.00 | $100.00 | 8/4/2010 6:03:35 AM |
| inspiring-reward | $25.00 | $25.00 | 8/4/2010 2:23:35 PM |
| well-mannered-income3 | $30.00 | $30.00 | 8/4/2010 4:35:08 PM |
| Tycho | $26.00 | $26.00 | 8/5/2010 3:28:14 PM |
| igotmoney | $25.00 | $25.00 | 8/5/2010 5:01:14 PM |
| zorg77 | $25.00 | $25.00 | 8/5/2010 5:13:08 PM |
| bountiful-durability | $100.00 | $100.00 | 8/5/2010 5:38:52 PM |
| larrybird | $100.00 | $100.00 | 8/5/2010 6:28:15 PM |
| AlexTrep | $25.00 | $25.00 | 8/5/2010 11:55:48 PM |
| wealth-pipeline | $25.00 | $25.00 | 8/6/2010 7:28:52 AM |
| blue-useful-auction | $25.00 | $25.00 | 8/6/2010 12:44:27 PM |
| genuine-integrity0 | $25.00 | $25.00 | 8/6/2010 1:31:25 PM |
| careful-compassion | $25.00 | $25.00 | 8/6/2010 3:07:07 PM |
| puifais | $25.00 | $25.00 | 8/6/2010 3:22:05 PM |
| speedy-point | $25.00 | $25.00 | 8/6/2010 3:23:00 PM |
| helpishere777 | $25.00 | $25.00 | 8/6/2010 3:23:46 PM |
| financial-frenzy | $50.00 | $50.00 | 8/6/2010 3:34:27 PM |
| cestesV | $50.00 | $50.00 | 8/6/2010 3:20:54 PM |
| credit-vinyl | $25.00 | $25.00 | 8/6/2010 8:02:46 PM |
| bughead | $25.00 | $25.00 | 8/7/2010 3:58:51 PM |
| us957165 | $25.00 | $25.00 | 8/7/2010 7:07:21 PM |
| wlm3012 | $25.00 | $25.00 | 8/8/2010 10:07:51 AM |
| convergentthinker | $25.00 | $25.00 | 8/8/2010 6:08:05 AM |
| Fishy014 | $25.00 | $25.00 | 8/8/2010 7:47:18 AM |
| rakey | $25.00 | $25.00 | 8/8/2010 5:28:59 PM |
| nickel-position | $50.00 | $50.00 | 8/8/2010 10:30:49 AM |
| lender12345 | $100.00 | $100.00 | 8/8/2010 8:04:22 PM |
| Whipster | $50.00 | $50.00 | 8/8/2010 8:12:05 PM |
| payment-halo | $25.00 | $25.00 | 8/8/2010 8:15:03 PM |
| 1-HARD-HEAD | $50.00 | $50.00 | 8/9/2010 12:16:43 AM |
| Free-the-usa-1776 | $25.00 | $25.00 | 8/9/2010 12:26:07 AM |
| vivacious-p2p3 | $25.00 | $25.00 | 8/8/2010 5:40:22 PM |
| Josphine | $25.00 | $25.00 | 8/8/2010 9:01:39 PM |
| Smallbear | $25.00 | $25.00 | 8/9/2010 6:30:26 AM |
| Ven58 | $25.00 | $25.00 | 8/9/2010 9:22:36 AM |
| principal-star | $25.00 | $25.00 | 8/9/2010 9:59:42 AM |
| american-investor | $51.96 | $51.96 | 8/9/2010 8:34:35 AM |
| djkaiser | $25.00 | $25.00 | 8/9/2010 10:27:46 AM |
| Pu239 | $60.00 | $60.00 | 8/9/2010 10:46:42 AM |
| 114 bids
|
Borrower Payment Dependent Notes Series
470086
This series of Notes was issued and sold upon the funding of the borrower loan #43989, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Aug-04-2010 |
| |
Auction end date:
| Aug-11-2010 |
|
|
Starting lender yield:
| 12.65% |
Starting borrower rate/APR:
| 13.65% / 15.80% |
Starting monthly payment:
| $510.12 |
|
Final lender yield:
| 12.65% |
Final borrower rate/APR:
| 13.65% / 15.80% |
Final monthly payment:
| $510.12 |
| |
|
Auction yield range:
| 5.89% - 12.65% |
Estimated loss impact:
| 5.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1988 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 11y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,436 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| carpediem1 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $20,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2009)
700-719
(Jul-2009)
680-699
(Nov-2007)
(Mar-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Pay off high rate credit cards
Proceeds from this loan will be used to pay off credit card debt I incurred to take advantage of an opportunity to buy products below wholesale from a supplier going out of business.This loan will?replace that card debt.The High Bank Card utilization percentage is due to those purchases. As you can see, I have a 740+ credit score, a paid in full previous loan, and low debt to income ratio(except,of course, that card usage).I anticipate paying off this loan within?30 months or less.I have been in the chemical business for over?20 years.. and started this company?11 years ago.My site,?MROCHEM.com is doing well, along with our sales force of?3 salespeople selling to institutional, municipal & industrial accounts. The company has a D & B? paydex of 80(out of 80), and is profitable. Of course, I am personally responsible for this loan. I have 1 loan Paid in Full with Prosper, never late.( that loan, BTW, bought servers & software that contributed to my growth, getting my company to the next level...thank you to all those lenders for that.) As a lender myself, I know how important it is to deal with quality borrowers who make their payments on time.
I am also the group leader of AAAA Fund America.
Mastercard- 7000
Visa-?????????? 7500
interest rates on above range from 25-29.99%,due to recent rate increases(even though I've never been late) by Chase.
I'd rather pay you.
Feel free to contact me regarding any aspect of this listing.
Thank you for your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Picopie | $50.00 | $50.00 | 8/4/2010 2:11:12 PM |
| Artist_Blue | $25.00 | $25.00 | 8/4/2010 2:08:32 PM |
| income-fortress | $25.00 | $25.00 | 8/4/2010 2:12:36 PM |
| BeanCownter | $200.00 | $200.00 | 8/4/2010 2:12:51 PM |
| richboy56 | $50.00 | $50.00 | 8/4/2010 2:09:34 PM |
| Weaverville | $25.00 | $25.00 | 8/4/2010 2:09:41 PM |
| buraky | $50.00 | $50.00 | 8/4/2010 2:12:32 PM |
| docktah | $50.00 | $50.00 | 8/4/2010 2:14:56 PM |
| studious-bonus7 | $100.00 | $100.00 | 8/4/2010 2:12:53 PM |
| greeninspirit | $25.00 | $25.00 | 8/4/2010 2:15:14 PM |
| paymentologist | $25.00 | $25.00 | 8/4/2010 2:15:20 PM |
| Goodlender42 | $25.00 | $25.00 | 8/4/2010 2:15:24 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/4/2010 2:13:18 PM |
| sensible-order2 | $44.11 | $44.11 | 8/4/2010 2:16:20 PM |
| TrustOne | $25.00 | $25.00 | 8/4/2010 2:17:14 PM |
| dollar-oracle55 | $25.00 | $25.00 | 8/4/2010 2:13:06 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/4/2010 2:13:11 PM |
| leeball | $50.00 | $50.00 | 8/4/2010 2:15:33 PM |
| LenderDan | $50.00 | $50.00 | 8/4/2010 2:13:24 PM |
| Bio-physicist | $25.00 | $25.00 | 8/4/2010 2:18:38 PM |
| cablenews | $50.00 | $50.00 | 8/4/2010 2:18:40 PM |
| chekat | $25.00 | $25.00 | 8/4/2010 2:15:04 PM |
| asset-equilibrium0 | $25.00 | $25.00 | 8/4/2010 2:19:31 PM |
| VBAces | $50.00 | $50.00 | 8/4/2010 2:15:10 PM |
| Hogpilot | $25.00 | $25.00 | 8/4/2010 2:15:14 PM |
| Minnechela | $25.00 | $25.00 | 8/4/2010 3:32:33 PM |
| ichibon | $100.00 | $100.00 | 8/4/2010 2:16:56 PM |
| jdrez | $25.00 | $25.00 | 8/4/2010 4:37:31 PM |
| Favish | $50.00 | $50.00 | 8/4/2010 2:18:11 PM |
| Rinastiti | $25.00 | $25.00 | 8/4/2010 3:28:38 PM |
| redx | $25.00 | $25.00 | 8/4/2010 4:18:06 PM |
| economy-structure9 | $25.00 | $25.00 | 8/4/2010 2:23:09 PM |
| Moe87 | $25.00 | $25.00 | 8/4/2010 5:04:27 PM |
| bahamaman | $50.00 | $50.00 | 8/4/2010 3:12:42 PM |
| Chuck9802 | $25.00 | $25.00 | 8/4/2010 6:02:31 PM |
| Erogan5877 | $25.00 | $25.00 | 8/4/2010 4:47:33 PM |
| tranquil-diversification8 | $25.00 | $25.00 | 8/4/2010 7:22:33 PM |
| tomdooley12520 | $25.00 | $25.00 | 8/4/2010 7:31:25 PM |
| Int_PrinRateTime4000 | $26.32 | $26.32 | 8/4/2010 8:07:38 PM |
| golden-cat | $25.00 | $25.00 | 8/4/2010 5:52:57 PM |
| zorg77 | $25.00 | $25.00 | 8/5/2010 2:20:38 AM |
| snappy | $50.00 | $50.00 | 8/5/2010 2:30:55 AM |
| texrob20 | $25.00 | $25.00 | 8/5/2010 2:37:58 AM |
| casaram | $25.00 | $25.00 | 8/5/2010 2:12:36 AM |
| bxdoc | $150.00 | $150.00 | 8/5/2010 2:48:13 AM |
| cloud8 | $25.44 | $25.44 | 8/5/2010 2:54:09 AM |
| producer553 | $25.00 | $25.00 | 8/5/2010 2:54:41 AM |
| srilm | $25.00 | $25.00 | 8/5/2010 2:32:54 AM |
| Elbanko | $28.75 | $28.75 | 8/4/2010 9:47:34 PM |
| CAGE-Investments | $25.00 | $25.00 | 8/5/2010 2:55:33 AM |
| admirable-basis1 | $25.00 | $25.00 | 8/5/2010 2:58:41 AM |
| SimpleChoice | $25.00 | $25.00 | 8/5/2010 2:48:02 AM |
| shrewd-deal | $25.00 | $25.00 | 8/5/2010 2:55:22 AM |
| HunterSix | $25.00 | $25.00 | 8/5/2010 2:30:48 AM |
| greenfuture | $25.00 | $25.00 | 8/5/2010 4:33:15 AM |
| best-coin-miser | $25.00 | $25.00 | 8/5/2010 5:07:57 AM |
| Investoman | $100.00 | $100.00 | 8/5/2010 5:08:12 AM |
| get30inc | $25.00 | $25.00 | 8/5/2010 5:08:19 AM |
| schpere | $25.00 | $25.00 | 8/5/2010 3:17:40 AM |
| partnerinflight | $43.15 | $43.15 | 8/5/2010 2:39:03 AM |
| helpinghand63 | $34.28 | $34.28 | 8/5/2010 2:39:51 AM |
| brother_tam | $50.00 | $50.00 | 8/5/2010 2:40:17 AM |
| pnace | $26.87 | $26.87 | 8/5/2010 4:33:07 AM |
| summerlander | $25.00 | $25.00 | 8/5/2010 6:17:34 AM |
| hyetech | $35.00 | $35.00 | 8/5/2010 5:08:15 AM |
| TeamAmerica | $25.00 | $25.00 | 8/5/2010 2:48:30 AM |
| laudable-balance | $25.00 | $25.00 | 8/5/2010 2:55:06 AM |
| 108lender | $25.00 | $25.00 | 8/5/2010 6:18:46 AM |
| bestbid | $25.00 | $25.00 | 8/5/2010 6:22:32 AM |
| RusRobo | $25.00 | $25.00 | 8/5/2010 3:58:43 AM |
| metro457 | $25.00 | $25.00 | 8/5/2010 4:33:10 AM |
| scottydoane | $25.00 | $25.00 | 8/5/2010 5:07:43 AM |
| shrewd-truth1 | $25.00 | $25.00 | 8/5/2010 5:07:47 AM |
| tripnosis | $25.00 | $25.00 | 8/5/2010 5:08:16 AM |
| lendme2 | $50.00 | $50.00 | 8/5/2010 8:03:16 AM |
| payout-achievement | $40.00 | $40.00 | 8/5/2010 8:57:34 AM |
| mcds | $25.00 | $25.00 | 8/5/2010 7:52:34 AM |
| DasMula | $25.00 | $25.00 | 8/5/2010 8:14:15 AM |
| GoSix | $25.00 | $25.00 | 8/5/2010 9:35:19 AM |
| SDNLR | $25.00 | $25.00 | 8/5/2010 8:42:58 AM |
| klinebarger | $25.00 | $25.00 | 8/5/2010 9:35:56 AM |
| Munnie | $25.00 | $25.00 | 8/5/2010 9:34:13 AM |
| Aberdeen | $400.00 | $400.00 | 8/5/2010 10:08:20 AM |
| shamil45 | $25.00 | $25.00 | 8/5/2010 11:57:40 AM |
| gqrob | $50.00 | $50.00 | 8/5/2010 11:23:53 AM |
| loan-kung-fu | $25.00 | $25.00 | 8/5/2010 1:04:13 PM |
| riproaringrapids | $25.00 | $25.00 | 8/5/2010 10:03:42 AM |
| loyalist1 | $100.00 | $100.00 | 8/5/2010 1:22:39 PM |
| UncleSafety | $50.00 | $50.00 | 8/5/2010 12:11:20 PM |
| jt530 | $25.00 | $25.00 | 8/5/2010 1:47:43 PM |
| kind-efficient-credit | $25.00 | $25.00 | 8/5/2010 1:04:21 PM |
| bountiful-durability | $50.00 | $50.00 | 8/5/2010 12:22:33 PM |
| Kilolani | $25.00 | $25.00 | 8/5/2010 1:47:41 PM |
| the-transaction-stronghold | $25.00 | $25.00 | 8/5/2010 2:47:33 PM |
| larrybird | $100.00 | $100.00 | 8/5/2010 6:27:54 PM |
| mrthatcher | $25.00 | $25.00 | 8/5/2010 7:29:06 PM |
| gochargers | $100.00 | $100.00 | 8/5/2010 6:52:49 PM |
| RetiredATC | $25.76 | $25.76 | 8/5/2010 7:52:31 PM |
| alaco | $25.00 | $25.00 | 8/5/2010 8:57:43 PM |
| wellsfrugal | $25.00 | $25.00 | 8/6/2010 1:02:35 AM |
| fishintime | $25.00 | $25.00 | 8/6/2010 6:52:40 AM |
| mikrolown | $30.00 | $30.00 | 8/6/2010 7:28:51 AM |
| sensible-trade | $100.00 | $100.00 | 8/6/2010 12:22:58 PM |
| asset-vibraphone | $100.00 | $100.00 | 8/6/2010 11:43:02 AM |
| MartialKid81 | $27.33 | $27.33 | 8/6/2010 3:26:01 PM |
| Shamrock731 | $35.46 | $35.46 | 8/6/2010 4:16:35 PM |
| yield-lion | $25.00 | $25.00 | 8/6/2010 5:07:32 PM |
| hrubinst | $25.00 | $25.00 | 8/6/2010 9:57:12 PM |
| Passionate_Nurse | $50.00 | $50.00 | 8/6/2010 8:48:12 PM |
| LenderByDay | $25.00 | $25.00 | 8/6/2010 11:42:44 PM |
| Slapshot | $28.53 | $28.53 | 8/7/2010 8:53:05 AM |
| skuba | $25.00 | $25.00 | 8/7/2010 5:58:00 AM |
| 52digital | $25.00 | $25.00 | 8/7/2010 11:53:24 AM |
| E_G | $50.00 | $50.00 | 8/7/2010 9:18:43 PM |
| all_of_that_one | $40.00 | $40.00 | 8/8/2010 7:33:00 AM |
| compassion-burrito | $25.00 | $25.00 | 8/7/2010 6:12:51 PM |
| brazilofmux | $81.55 | $73.97 | 8/7/2010 9:52:52 PM |
| bughead | $25.00 | $25.00 | 8/8/2010 12:44:14 PM |
| enthralling-investment | $50.00 | $50.00 | 8/9/2010 6:34:42 AM |
| brondero | $100.00 | $100.00 | 8/9/2010 2:17:39 PM |
| noodles932 | $109.10 | $109.10 | 8/9/2010 9:10:06 PM |
| CatFunded | $25.00 | $25.00 | 8/10/2010 4:21:01 AM |
| ramst41 | $250.00 | $250.00 | 8/9/2010 10:28:07 PM |
| golffish2 | $100.00 | $100.00 | 8/10/2010 7:53:10 AM |
| circustab | $50.00 | $50.00 | 8/10/2010 8:15:32 AM |
| Sol_Invictus | $25.00 | $25.00 | 8/10/2010 7:57:58 AM |
| octoberfresh | $25.00 | $25.00 | 8/10/2010 7:00:52 AM |
| JackinGreen | $150.00 | $150.00 | 8/10/2010 11:09:19 AM |
| market-assembler | $25.00 | $25.00 | 8/10/2010 11:33:51 AM |
| mbf2234 | $25.00 | $25.00 | 8/10/2010 3:59:16 PM |
| atomantic | $100.00 | $100.00 | 8/10/2010 3:58:04 PM |
| orangefob7 | $80.00 | $80.00 | 8/10/2010 6:45:36 PM |
| lazyeye | $28.79 | $28.79 | 8/10/2010 5:41:50 PM |
| billnsc | $25.00 | $25.00 | 8/11/2010 4:59:19 AM |
| Dollars4Rent | $25.00 | $25.00 | 8/11/2010 3:30:45 AM |
| charb57 | $100.00 | $100.00 | 8/11/2010 8:37:51 AM |
| katnmouse | $35.00 | $35.00 | 8/11/2010 8:38:43 AM |
| rockhound84 | $25.00 | $25.00 | 8/11/2010 4:35:04 AM |
| cashhelp | $25.00 | $25.00 | 8/11/2010 6:03:48 AM |
| exact-peso2 | $25.00 | $25.00 | 8/11/2010 6:52:32 AM |
| grampy48 | $50.00 | $50.00 | 8/11/2010 11:33:11 AM |
| wlm3012 | $25.00 | $25.00 | 8/11/2010 8:33:21 AM |
| CashBank | $25.00 | $25.00 | 8/11/2010 9:33:03 AM |
| supreme-economy9 | $25.00 | $25.00 | 8/11/2010 10:02:03 AM |
| forthright-principal2 | $25.00 | $25.00 | 8/11/2010 1:58:23 PM |
| noble-marketplace | $25.00 | $25.00 | 8/11/2010 2:02:33 PM |
| crawfishcentral | $29.61 | $29.61 | 8/11/2010 1:05:16 PM |
| EretzCapital | $50.00 | $50.00 | 8/11/2010 1:41:02 PM |
| drtxmac | $27.50 | $27.50 | 8/11/2010 1:54:53 PM |
| diversification-maple1 | $25.00 | $25.00 | 8/11/2010 11:45:57 AM |
| xstreamin | $25.00 | $25.00 | 8/4/2010 2:12:39 PM |
| tech310 | $100.00 | $100.00 | 8/4/2010 2:09:14 PM |
| jbaum | $25.00 | $25.00 | 8/4/2010 2:12:57 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/4/2010 2:13:06 PM |
| ray1051 | $25.00 | $25.00 | 8/4/2010 2:09:52 PM |
| jigsaw | $100.00 | $100.00 | 8/4/2010 2:12:43 PM |
| kegs | $100.00 | $100.00 | 8/4/2010 2:12:46 PM |
| the-productive-agreement | $25.00 | $25.00 | 8/4/2010 2:15:46 PM |
| bonus-poplar2 | $50.00 | $50.00 | 8/4/2010 2:16:03 PM |
| tedsrfdude | $25.00 | $25.00 | 8/4/2010 2:15:09 PM |
| luckyldy | $35.00 | $35.00 | 8/4/2010 2:17:30 PM |
| rescue | $50.00 | $50.00 | 8/4/2010 2:15:48 PM |
| j2ee | $25.00 | $25.00 | 8/4/2010 2:15:59 PM |
| spaceman1645 | $100.00 | $100.00 | 8/4/2010 2:16:51 PM |
| objective-investor | $100.00 | $100.00 | 8/4/2010 2:16:56 PM |
| ddog0224 | $25.00 | $25.00 | 8/4/2010 2:17:21 PM |
| transparent-silver | $50.00 | $50.00 | 8/4/2010 2:19:30 PM |
| panther757 | $25.00 | $25.00 | 8/4/2010 2:17:41 PM |
| RedantFinance | $25.00 | $25.00 | 8/4/2010 2:19:40 PM |
| socrates520 | $50.00 | $50.00 | 8/4/2010 2:17:57 PM |
| Wellman | $100.00 | $100.00 | 8/4/2010 2:16:28 PM |
| tenacious-compassion9 | $25.00 | $25.00 | 8/4/2010 2:16:40 PM |
| rcc7 | $50.00 | $50.00 | 8/4/2010 2:17:05 PM |
| chkrvrty | $25.00 | $25.00 | 8/4/2010 2:17:25 PM |
| radforj22 | $50.00 | $50.00 | 8/4/2010 2:18:29 PM |
| TempHelp | $25.00 | $25.00 | 8/4/2010 5:27:33 PM |
| norcaliboy22 | $25.00 | $25.00 | 8/4/2010 3:47:32 PM |
| teller | $25.00 | $25.00 | 8/4/2010 5:53:06 PM |
| truth-companion | $25.00 | $25.00 | 8/4/2010 2:23:26 PM |
| Pizza-man | $28.62 | $28.62 | 8/4/2010 2:23:34 PM |
| MoneyForNothing | $76.01 | $76.01 | 8/4/2010 5:05:26 PM |
| financial-frenzy | $38.28 | $38.28 | 8/4/2010 6:57:37 PM |
| Asynch | $25.00 | $25.00 | 8/4/2010 3:32:32 PM |
| newgroom422 | $25.00 | $25.00 | 8/4/2010 7:13:19 PM |
| logical-reward8 | $25.00 | $25.00 | 8/4/2010 7:22:34 PM |
| efficient-treasure0 | $25.00 | $25.00 | 8/4/2010 8:14:22 PM |
| mg6619 | $25.00 | $25.00 | 8/4/2010 7:43:14 PM |
| hitsman | $100.00 | $100.00 | 8/4/2010 8:14:35 PM |
| mstebnicki | $25.00 | $25.00 | 8/4/2010 7:07:33 PM |
| create42xn | $50.00 | $50.00 | 8/4/2010 8:38:00 PM |
| bessmatt | $25.00 | $25.00 | 8/5/2010 1:38:05 AM |
| vkorichkov | $30.00 | $30.00 | 8/5/2010 2:20:46 AM |
| bonFire8 | $25.00 | $25.00 | 8/5/2010 2:28:38 AM |
| platinum-sorcerer6 | $25.00 | $25.00 | 8/4/2010 11:42:30 PM |
| haplender | $50.00 | $50.00 | 8/4/2010 7:37:45 PM |
| uncleegg | $44.48 | $44.48 | 8/5/2010 1:09:39 AM |
| cavalier2020 | $25.00 | $25.00 | 8/5/2010 2:38:35 AM |
| dschless | $25.00 | $25.00 | 8/5/2010 2:38:46 AM |
| modemco | $25.00 | $25.00 | 8/5/2010 2:43:03 AM |
| orange-courageous-dedication | $28.06 | $28.06 | 8/4/2010 8:48:06 PM |
| slartibardfast | $25.00 | $25.00 | 8/5/2010 2:48:00 AM |
| Angleofcare | $25.00 | $25.00 | 8/5/2010 2:48:08 AM |
| papaloha | $35.54 | $35.54 | 8/5/2010 2:32:38 AM |
| czar3 | $27.91 | $27.91 | 8/5/2010 2:55:16 AM |
| Rothgoe | $25.00 | $25.00 | 8/5/2010 2:38:56 AM |
| onlyastepaway | $25.00 | $25.00 | 8/5/2010 2:39:01 AM |
| new-social-economist | $25.00 | $25.00 | 8/5/2010 2:58:20 AM |
| chestnut4 | $25.00 | $25.00 | 8/5/2010 2:58:53 AM |
| nunnie | $25.00 | $25.00 | 8/5/2010 2:47:56 AM |
| JGB | $65.35 | $65.35 | 8/5/2010 2:48:17 AM |
| nycfinance | $25.00 | $25.00 | 8/5/2010 2:19:09 AM |
| adir1 | $25.00 | $25.00 | 8/5/2010 4:13:27 AM |
| Winsten | $27.18 | $27.18 | 8/5/2010 2:29:11 AM |
| worth-arch | $25.00 | $25.00 | 8/5/2010 2:55:29 AM |
| HH123 | $25.00 | $25.00 | 8/5/2010 2:29:43 AM |
| treasure-bliss | $75.46 | $75.46 | 8/5/2010 2:55:43 AM |
| ommcd | $25.00 | $25.00 | 8/5/2010 4:33:11 AM |
| the-profit-oracle | $25.00 | $25.00 | 8/5/2010 2:56:27 AM |
| wise-handy-finance | $25.00 | $25.00 | 8/5/2010 2:58:07 AM |
| Ripsaw4U | $25.00 | $25.00 | 8/5/2010 5:07:41 AM |
| a-truth-upholder | $50.00 | $50.00 | 8/5/2010 2:58:38 AM |
| Interstate_Rate | $500.00 | $500.00 | 8/5/2010 2:32:26 AM |
| first-upright-payout | $25.00 | $25.00 | 8/5/2010 5:07:48 AM |
| marketplace-cello5 | $25.00 | $25.00 | 8/5/2010 2:58:58 AM |
| Cheburashka | $25.00 | $25.00 | 8/5/2010 2:32:34 AM |
| ValyaLibra01 | $25.00 | $25.00 | 8/5/2010 5:08:13 AM |
| cladius67 | $25.00 | $25.00 | 8/5/2010 5:12:47 AM |
| Duanep01 | $25.00 | $25.00 | 8/5/2010 2:43:40 AM |
| balance-whistle7 | $25.00 | $25.00 | 8/5/2010 5:07:42 AM |
| lloyd_s | $25.00 | $25.00 | 8/5/2010 2:45:09 AM |
| ferdberfel | $44.53 | $44.53 | 8/5/2010 2:47:53 AM |
| best-phenomenal-treasure | $25.00 | $25.00 | 8/5/2010 2:54:34 AM |
| Havana21 | $49.54 | $49.54 | 8/5/2010 6:18:30 AM |
| brightest-asset-healer | $25.00 | $25.00 | 8/5/2010 2:55:21 AM |
| orange-preeminant-bill | $59.32 | $59.32 | 8/5/2010 2:55:41 AM |
| greenback-amplifier | $25.00 | $25.00 | 8/5/2010 2:58:27 AM |
| DcUnited | $30.00 | $30.00 | 8/5/2010 3:18:12 AM |
| sympathetic-asset | $25.00 | $25.00 | 8/5/2010 6:17:59 AM |
| forthright-dedication | $25.00 | $25.00 | 8/5/2010 6:18:26 AM |
| stroskey | $26.37 | $26.37 | 8/5/2010 4:22:52 AM |
| peace-maximizer8 | $25.00 | $25.00 | 8/5/2010 4:33:09 AM |
| tremendous-payment | $25.00 | $25.00 | 8/5/2010 5:07:42 AM |
| supreme-hope | $25.00 | $25.00 | 8/5/2010 5:07:44 AM |
| value-microscope | $25.00 | $25.00 | 8/5/2010 5:08:18 AM |
| commerce-web5 | $25.00 | $25.00 | 8/5/2010 6:32:53 AM |
| booie | $25.00 | $25.00 | 8/5/2010 7:04:08 AM |
| amint17 | $25.00 | $25.00 | 8/5/2010 8:53:28 AM |
| gold-heaven9 | $25.00 | $25.00 | 8/5/2010 8:42:52 AM |
| Blends | $35.00 | $35.00 | 8/5/2010 7:52:33 AM |
| Gabriel02 | $25.00 | $25.00 | 8/5/2010 8:47:40 AM |
| DasMula | $25.00 | $25.00 | 8/5/2010 8:14:29 AM |
| neutrino6 | $25.00 | $25.00 | 8/5/2010 9:33:05 AM |
| industrious-dedication | $25.00 | $25.00 | 8/5/2010 8:27:39 AM |
| forthright-social | $25.00 | $25.00 | 8/5/2010 8:28:14 AM |
| rjcoutur2001 | $35.00 | $35.00 | 8/5/2010 9:33:00 AM |
| dcap3 | $100.00 | $100.00 | 8/5/2010 8:54:30 AM |
| utopia14 | $50.00 | $50.00 | 8/5/2010 9:35:58 AM |
| direct-yield | $25.00 | $25.00 | 8/5/2010 9:57:45 AM |
| JClives | $25.00 | $25.00 | 8/5/2010 12:03:11 PM |
| Ducatiman1978 | $25.00 | $25.00 | 8/5/2010 11:33:25 AM |
| imlosttoo | $25.00 | $25.00 | 8/5/2010 1:03:53 PM |
| Aberdeen | $400.00 | $400.00 | 8/5/2010 10:08:21 AM |
| towering-compassion | $47.50 | $47.50 | 8/5/2010 11:42:33 AM |
| green-radiant-durability | $25.00 | $25.00 | 8/5/2010 2:24:14 PM |
| simplelender80 | $250.00 | $250.00 | 8/5/2010 1:52:35 PM |
| akahoss | $25.00 | $25.00 | 8/5/2010 1:52:58 PM |
| american6 | $25.00 | $25.00 | 8/5/2010 1:27:33 PM |
| Kadvopatel | $25.00 | $25.00 | 8/5/2010 2:24:16 PM |
| sweet-loan8 | $25.00 | $25.00 | 8/5/2010 1:47:44 PM |
| iLoaner | $25.00 | $25.00 | 8/5/2010 2:08:01 PM |
| nicklds | $25.00 | $25.00 | 8/5/2010 2:28:05 PM |
| aggielender | $25.00 | $25.00 | 8/5/2010 7:23:11 PM |
| what_goes_around | $200.00 | $200.00 | 8/5/2010 6:38:17 PM |
| gracej | $25.00 | $25.00 | 8/5/2010 11:26:30 PM |
| Blends | $50.00 | $50.00 | 8/6/2010 2:56:38 AM |
| market-worker | $25.00 | $25.00 | 8/6/2010 7:22:56 AM |
| cestesV | $50.00 | $50.00 | 8/6/2010 9:12:51 AM |
| friendly-credit2 | $50.00 | $50.00 | 8/6/2010 9:33:46 AM |
| blue-useful-auction | $25.00 | $25.00 | 8/6/2010 10:26:40 AM |
| wampum-chorus3 | $25.00 | $25.00 | 8/6/2010 10:29:05 AM |
| helpishere777 | $25.00 | $25.00 | 8/6/2010 12:38:06 PM |
| blukestrel | $25.00 | $25.00 | 8/6/2010 9:31:27 PM |
| secobarbital | $50.00 | $50.00 | 8/7/2010 7:22:35 AM |
| trail8631 | $27.23 | $27.23 | 8/7/2010 9:28:03 AM |
| radiant-fund | $25.00 | $25.00 | 8/7/2010 10:42:41 AM |
| icchok | $44.81 | $44.81 | 8/7/2010 11:33:10 AM |
| MonkeyHero | $39.57 | $39.57 | 8/8/2010 3:27:34 PM |
| Investoman | $250.00 | $250.00 | 8/9/2010 4:19:40 AM |
| moneytolend72 | $25.00 | $25.00 | 8/9/2010 12:36:37 PM |
| loanman2007 | $100.00 | $100.00 | 8/9/2010 12:50:15 PM |
| bstlndlrd207 | $150.00 | $150.00 | 8/9/2010 1:17:04 PM |
| blue-dough-zoomer | $25.00 | $25.00 | 8/9/2010 7:52:19 PM |
| Light_Verity | $500.00 | $500.00 | 8/9/2010 9:26:55 PM |
| mhotchan | $100.00 | $100.00 | 8/9/2010 9:48:13 PM |
| ltlsprite3 | $99.00 | $99.00 | 8/9/2010 10:30:08 PM |
| wwwUniversal | $25.00 | $25.00 | 8/10/2010 6:32:30 AM |
| MStackIV | $150.00 | $150.00 | 8/10/2010 3:43:33 AM |
| frclmym | $80.00 | $80.00 | 8/10/2010 12:12:58 PM |
| ore-bada-bing | $100.00 | $100.00 | 8/10/2010 11:05:33 AM |
| leverage-ectasy | $25.00 | $25.00 | 8/10/2010 5:41:36 PM |
| friendinmoney | $25.00 | $25.00 | 8/10/2010 8:10:44 PM |
| one-midas | $25.00 | $25.00 | 8/10/2010 5:39:22 PM |
| ScottFinance | $25.00 | $25.00 | 8/10/2010 6:25:36 PM |
| commerce-broker | $25.00 | $25.00 | 8/11/2010 4:31:15 AM |
| hebergee | $25.00 | $25.00 | 8/11/2010 6:15:39 AM |
| HawaiianHelper | $50.00 | $50.00 | 8/11/2010 12:34:40 AM |
| tompau | $25.00 | $25.00 | 8/11/2010 8:40:08 AM |
| outofoffice | $50.00 | $50.00 | 8/11/2010 9:49:26 AM |
| thrilling-nickel5 | $32.48 | $32.48 | 8/11/2010 4:40:38 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 8/11/2010 10:30:37 AM |
| debt-legend | $25.00 | $25.00 | 8/11/2010 6:22:56 AM |
| courteous-cash6 | $100.00 | $100.00 | 8/11/2010 10:01:55 AM |
| BoCo | $25.00 | $25.00 | 8/11/2010 7:10:56 AM |
| eretro | $30.82 | $30.82 | 8/11/2010 11:18:44 AM |
| revenue-appraiser | $25.00 | $25.00 | 8/11/2010 12:20:20 PM |
| mgking007 | $25.00 | $25.00 | 8/11/2010 9:54:04 AM |
| Simply2fly | $25.00 | $25.00 | 8/11/2010 1:30:30 PM |
| friendinmoney | $25.00 | $25.00 | 8/11/2010 11:13:43 AM |
| easylivin | $25.00 | $25.00 | 8/11/2010 1:41:17 PM |
| the-serene-transaction | $31.97 | $31.97 | 8/11/2010 11:43:54 AM |
| 320 bids
|
Borrower Payment Dependent Notes Series
470382
This series of Notes was issued and sold upon the funding of the borrower loan #43978, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Aug-09-2010 |
| |
Auction end date:
| Aug-16-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $328.75 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $328.75 |
| |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
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 score (1-10):
| 6 |
First credit line:
| Sep-2002 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,015 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| glimmering-point4 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off credit card debt.
My financial situation: Hanging in there. I can make my monthly payments, but I don't have enough room for leisurely spending. I would like to better my situation in order to enjoy my life, travel and help provide for my family back home.
I am a good candidate for this loan because I have never missed a payment and track my finances very closely.
Monthly net income: $4,000
Monthly expenses: $3,630
??Housing: $1,500
??Insurance: $500
??Car expenses: $100
??Utilities: $30
??Phone, cable, internet: $200
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $900
??Other expenses: $100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
When did you purchase your home? How much do you owe on it? How much do you owe total on school debts? What rates? What rate are your credit cards charging you? - ideal-value
A:
I purchased my home in January of 2008 and owe $189,668.40, with a 6.125% rate. I have $19,713.24 in school debts with a 5.25% rate. The rates on my credit cards range from 14.24% through 29.99%. Hope this helps, thank you!
(Aug-13-2010)
Q:
How will this loan free up money? It doesn't lower your CC interest rates much, if at all, and limits the term to 3 years. If you want to free up money refinance your home at the 4.5% currently available and you'll save $200 a month - ideal-value
A:
I looked into refinancing and loan modification last year and didn't think I could refinance since my home has lost its value by over $20,000. The loan modification would have ended up making my mortgage payments $80 more, but would save me 10 years, and had a hefty application fee. I'll look into refinancing again though, thanks for the tip!
(Aug-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 8/9/2010 2:45:47 PM |
| reward-adventure | $30.00 | $30.00 | 8/9/2010 2:51:08 PM |
| balance-handshake7 | $25.00 | $25.00 | 8/9/2010 2:51:52 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/9/2010 2:53:52 PM |
| simplelender80 | $31.20 | $31.20 | 8/10/2010 3:38:28 AM |
| kegs | $100.00 | $100.00 | 8/10/2010 4:58:07 AM |
| kind-bill-supporter | $50.00 | $50.00 | 8/10/2010 3:35:13 PM |
| asiaratt | $50.00 | $50.00 | 8/11/2010 2:18:17 PM |
| leodaguy | $100.00 | $100.00 | 8/11/2010 2:20:00 PM |
| mtp | $47.84 | $47.84 | 8/12/2010 7:43:43 AM |
| tompau | $25.00 | $25.00 | 8/12/2010 9:21:42 AM |
| magnolia161 | $50.00 | $50.00 | 8/12/2010 10:41:02 AM |
| sfmf | $25.00 | $25.00 | 8/12/2010 11:43:36 AM |
| gelidfrank | $25.00 | $25.00 | 8/12/2010 11:03:38 AM |
| reflective-rupee | $25.00 | $25.00 | 8/12/2010 2:33:39 PM |
| payment-halo | $25.00 | $25.00 | 8/12/2010 1:40:51 PM |
| cash-spark3 | $25.00 | $25.00 | 8/12/2010 3:30:02 PM |
| dcap3 | $75.00 | $75.00 | 8/12/2010 3:32:05 PM |
| bid-czar8 | $50.00 | $50.00 | 8/12/2010 7:12:57 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 8/12/2010 3:50:19 PM |
| inforapenny | $25.00 | $25.00 | 8/12/2010 7:37:35 PM |
| wanna-help | $25.00 | $25.00 | 8/12/2010 3:50:53 PM |
| ptjg | $25.00 | $25.00 | 8/12/2010 7:42:28 PM |
| kindness-percolator5 | $25.00 | $25.00 | 8/13/2010 3:39:42 AM |
| scabrendan | $54.11 | $54.11 | 8/13/2010 8:25:47 AM |
| Cybercusp | $25.00 | $25.00 | 8/13/2010 1:13:28 PM |
| cestesV | $50.00 | $50.00 | 8/13/2010 11:02:57 AM |
| astute-dollar | $25.00 | $25.00 | 8/13/2010 2:51:39 PM |
| a-power-amigo | $25.00 | $25.00 | 8/13/2010 2:51:44 PM |
| oldmora | $50.00 | $50.00 | 8/13/2010 2:51:57 PM |
| OCedHrt | $25.00 | $25.00 | 8/13/2010 2:52:05 PM |
| friendlyviking | $50.00 | $50.00 | 8/13/2010 2:52:12 PM |
| asmithj | $50.00 | $50.00 | 8/13/2010 2:56:44 PM |
| StrongMoney | $50.00 | $50.00 | 8/13/2010 2:49:42 PM |
| thestartuplender | $50.00 | $50.00 | 8/13/2010 3:01:35 PM |
| shanedog | $50.00 | $50.00 | 8/13/2010 3:03:13 PM |
| mtquan | $25.00 | $25.00 | 8/13/2010 2:51:42 PM |
| lamsabuy | $55.69 | $55.69 | 8/13/2010 3:03:24 PM |
| naina_my_daughter | $25.00 | $25.00 | 8/13/2010 2:48:38 PM |
| bullish2bearish | $30.00 | $30.00 | 8/13/2010 2:52:09 PM |
| PotatoLender | $25.00 | $25.00 | 8/13/2010 5:02:42 PM |
| LAM26 | $25.00 | $25.00 | 8/13/2010 2:57:07 PM |
| delivery | $25.00 | $25.00 | 8/13/2010 5:15:40 PM |
| vest_vortex | $25.00 | $25.00 | 8/13/2010 5:31:13 PM |
| ocifer50 | $25.00 | $25.00 | 8/13/2010 4:15:04 PM |
| Nerdster1 | $25.00 | $25.00 | 8/13/2010 3:01:56 PM |
| orbital-velocity7 | $50.00 | $50.00 | 8/13/2010 3:03:15 PM |
| karpman3 | $50.00 | $50.00 | 8/13/2010 3:08:16 PM |
| well-mannered-income3 | $25.00 | $25.00 | 8/13/2010 3:29:19 PM |
| SolarMoonshine | $25.00 | $25.00 | 8/13/2010 6:24:09 PM |
| HuntoJones | $25.00 | $25.00 | 8/13/2010 7:03:27 PM |
| Milonguero | $100.00 | $100.00 | 8/13/2010 7:10:38 PM |
| red-power-pecan | $50.00 | $50.00 | 8/13/2010 7:55:29 PM |
| zone6 | $68.66 | $68.66 | 8/13/2010 8:09:18 PM |
| turbolozano | $25.00 | $19.24 | 8/13/2010 8:13:30 PM |
| PatRichi | $25.00 | $25.00 | 8/13/2010 4:59:02 PM |
| draggon77 | $25.00 | $25.00 | 8/14/2010 12:22:41 AM |
| E-B | $50.00 | $50.00 | 8/14/2010 3:40:21 AM |
| loan-fate | $50.00 | $50.00 | 8/14/2010 12:52:01 PM |
| niggard | $25.00 | $25.00 | 8/14/2010 4:11:15 AM |
| JustMee | $25.00 | $25.00 | 8/14/2010 7:08:22 AM |
| credit-coach118 | $25.00 | $25.00 | 8/14/2010 9:54:40 PM |
| mmczech76 | $25.00 | $25.00 | 8/14/2010 10:06:26 PM |
| ElbowToast | $40.00 | $40.00 | 8/14/2010 12:47:45 PM |
| mickw2000 | $25.00 | $25.00 | 8/14/2010 8:57:36 PM |
| chkrvrty | $25.00 | $25.00 | 8/14/2010 12:52:05 PM |
| ONECENTATATIME | $26.00 | $26.00 | 8/15/2010 4:58:20 AM |
| moola-poplar | $25.00 | $25.00 | 8/15/2010 6:32:22 AM |
| wowlender | $25.00 | $25.00 | 8/15/2010 9:37:15 AM |
| johnk317 | $300.00 | $300.00 | 8/15/2010 1:14:30 PM |
| mg95 | $50.00 | $50.00 | 8/15/2010 12:06:14 PM |
| csa_101824 | $25.00 | $25.00 | 8/15/2010 1:17:20 PM |
| lucrative-coin | $100.00 | $100.00 | 8/15/2010 7:32:58 AM |
| KLcapital | $25.00 | $25.00 | 8/15/2010 2:38:57 PM |
| ASG_NECO | $25.00 | $25.00 | 8/15/2010 6:26:46 PM |
| Sonihal | $78.29 | $78.29 | 8/15/2010 10:38:38 AM |
| Zipcut | $32.60 | $32.60 | 8/15/2010 11:03:11 AM |
| umfan123 | $25.00 | $25.00 | 8/15/2010 11:59:49 AM |
| exchange-dreams | $25.00 | $25.00 | 8/15/2010 6:28:11 PM |
| fundologist | $48.74 | $48.74 | 8/15/2010 8:33:54 PM |
| kendigme | $25.00 | $25.00 | 8/16/2010 4:29:03 AM |
| justanothersushieater | $25.00 | $25.00 | 8/15/2010 6:08:34 PM |
| Investoman | $50.00 | $50.00 | 8/16/2010 4:39:58 AM |
| partyplan | $30.00 | $30.00 | 8/16/2010 8:39:07 AM |
| skillful-asset5 | $25.00 | $25.00 | 8/15/2010 8:28:35 PM |
| paradisenow | $25.00 | $25.00 | 8/16/2010 10:26:47 AM |
| rockhound84 | $25.00 | $25.00 | 8/16/2010 5:03:32 AM |
| sjo1984111 | $25.00 | $25.00 | 8/16/2010 7:42:31 AM |
| order-bee1 | $600.00 | $600.00 | 8/16/2010 9:09:17 AM |
| micsupra | $43.11 | $43.11 | 8/16/2010 1:11:28 PM |
| credit-missile | $25.00 | $25.00 | 8/16/2010 1:30:50 PM |
| revenue-appraiser | $25.00 | $25.00 | 8/16/2010 11:40:52 AM |
| trade-vista | $25.00 | $25.00 | 8/16/2010 12:00:49 PM |
| personal-lender | $25.00 | $25.00 | 8/9/2010 2:52:02 PM |
| lendstats_com | $25.00 | $25.00 | 8/9/2010 2:55:38 PM |
| important-openness1 | $100.00 | $100.00 | 8/9/2010 2:55:57 PM |
| enthralling-deal180 | $25.00 | $25.00 | 8/9/2010 9:53:31 PM |
| copper | $50.00 | $50.00 | 8/10/2010 6:39:15 AM |
| abnvette | $25.00 | $25.00 | 8/10/2010 7:20:13 AM |
| larrybird | $100.00 | $100.00 | 8/10/2010 4:58:08 AM |
| flexible-duty3 | $25.00 | $25.00 | 8/10/2010 9:29:28 AM |
| historic-greenback0 | $113.45 | $113.45 | 8/10/2010 7:13:48 PM |
| Maximum_Investment | $25.00 | $25.00 | 8/10/2010 7:40:08 PM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:40:13 AM |
| BeanCownter | $100.00 | $100.00 | 8/11/2010 2:40:02 PM |
| sensible-trade | $100.00 | $100.00 | 8/11/2010 5:08:22 PM |
| tolerant-interest4 | $25.00 | $25.00 | 8/12/2010 10:54:14 AM |
| seisen | $50.00 | $50.00 | 8/12/2010 7:08:07 AM |
| AlexTrep | $25.00 | $25.00 | 8/12/2010 10:47:49 AM |
| richboy56 | $25.00 | $25.00 | 8/12/2010 10:57:58 AM |
| top-courteous-peso | $50.00 | $50.00 | 8/12/2010 11:08:37 AM |
| hard-working-loot | $25.00 | $25.00 | 8/12/2010 10:54:34 AM |
| inspiring-reward | $100.00 | $100.00 | 8/12/2010 3:34:58 PM |
| new-social-economist | $25.00 | $25.00 | 8/12/2010 5:03:03 PM |
| income-pillow | $32.76 | $32.76 | 8/12/2010 5:13:50 PM |
| payment-gusto | $25.00 | $25.00 | 8/12/2010 3:50:13 PM |
| frogperson | $100.00 | $100.00 | 8/12/2010 9:30:53 PM |
| realestate6606 | $100.00 | $100.00 | 8/13/2010 7:07:35 AM |
| economy-producer | $25.00 | $25.00 | 8/13/2010 10:06:49 AM |
| mercuriant | $25.00 | $25.00 | 8/13/2010 11:12:45 AM |
| GermanKid | $25.00 | $25.00 | 8/13/2010 11:13:30 AM |
| deepblue34 | $25.00 | $25.00 | 8/13/2010 2:13:12 PM |
| Jumbojack | $50.00 | $50.00 | 8/13/2010 2:48:05 PM |
| gizzywump | $25.00 | $25.00 | 8/13/2010 2:51:25 PM |
| b2m80s | $25.00 | $25.00 | 8/13/2010 2:52:06 PM |
| bountiful-durability | $100.00 | $100.00 | 8/13/2010 2:52:16 PM |
| balance-warrior | $25.00 | $25.00 | 8/13/2010 2:56:05 PM |
| jamiee73 | $25.00 | $25.00 | 8/13/2010 2:56:49 PM |
| zorg77 | $25.00 | $25.00 | 8/13/2010 3:01:43 PM |
| famous-bill | $50.00 | $50.00 | 8/13/2010 2:51:56 PM |
| S-Master | $25.00 | $25.00 | 8/13/2010 3:03:40 PM |
| dinero-mason | $50.00 | $50.00 | 8/13/2010 2:52:01 PM |
| igotmoney | $25.00 | $25.00 | 8/13/2010 3:01:41 PM |
| reflective-rupee | $25.00 | $25.00 | 8/13/2010 2:54:08 PM |
| MONEYMATCH | $25.00 | $25.00 | 8/13/2010 5:08:35 PM |
| teejay411 | $100.00 | $100.00 | 8/13/2010 3:17:16 PM |
| janus441 | $26.95 | $26.95 | 8/13/2010 3:30:19 PM |
| poeman | $25.00 | $25.00 | 8/13/2010 5:15:49 PM |
| anton | $150.00 | $150.00 | 8/13/2010 2:59:07 PM |
| the-silver-blaster | $50.00 | $50.00 | 8/13/2010 3:01:49 PM |
| bid-carrier0 | $25.00 | $25.00 | 8/13/2010 3:03:51 PM |
| life-is-great | $50.00 | $50.00 | 8/13/2010 3:06:44 PM |
| EBITDA | $25.00 | $25.00 | 8/13/2010 5:00:04 PM |
| rogue_monster | $25.00 | $25.00 | 8/13/2010 5:12:46 PM |
| schoolchamp | $25.00 | $25.00 | 8/13/2010 5:15:51 PM |
| bnlforever | $25.00 | $25.00 | 8/13/2010 5:16:16 PM |
| loss-of-control | $25.00 | $25.00 | 8/13/2010 6:03:36 PM |
| Crewhippie | $25.00 | $25.00 | 8/13/2010 5:40:13 PM |
| satisfying-deal5 | $39.42 | $39.42 | 8/13/2010 11:15:27 PM |
| silverloan | $36.82 | $36.82 | 8/13/2010 9:52:43 PM |
| luann199 | $50.00 | $50.00 | 8/14/2010 9:01:30 AM |
| Accountant83 | $25.00 | $25.00 | 8/14/2010 11:31:49 AM |
| Whipster | $75.00 | $75.00 | 8/14/2010 4:12:08 AM |
| wonder3 | $50.00 | $50.00 | 8/14/2010 8:40:34 AM |
| bughead | $25.00 | $25.00 | 8/14/2010 3:48:44 PM |
| trade-elm | $25.00 | $25.00 | 8/14/2010 11:53:36 AM |
| FASTIZIO_P | $25.00 | $25.00 | 8/14/2010 12:49:24 PM |
| MALJAR | $25.00 | $25.00 | 8/14/2010 8:03:28 PM |
| EretzCapital | $52.86 | $52.86 | 8/14/2010 10:27:19 PM |
| unger | $75.00 | $75.00 | 8/14/2010 7:36:57 PM |
| johnk317 | $25.00 | $25.00 | 8/15/2010 1:15:53 PM |
| missile5 | $50.00 | $50.00 | 8/15/2010 6:41:42 PM |
| aztocas | $50.00 | $50.00 | 8/15/2010 5:00:30 PM |
| malomar66 | $45.84 | $45.84 | 8/15/2010 8:35:48 PM |
| farchoir | $25.00 | $25.00 | 8/16/2010 5:16:02 AM |
| Pu239 | $60.00 | $60.00 | 8/16/2010 7:57:31 AM |
| samseth | $25.00 | $25.00 | 8/16/2010 7:24:42 AM |
| point-enforcer | $25.00 | $25.00 | 8/16/2010 8:06:09 AM |
| moola-monger9 | $50.00 | $50.00 | 8/16/2010 9:17:45 AM |
| LKCGICG | $25.00 | $25.00 | 8/16/2010 9:36:55 AM |
| credit-missile | $40.43 | $40.43 | 8/16/2010 10:52:14 AM |
| greenback-recruiter | $50.00 | $50.00 | 8/16/2010 9:37:57 AM |
| 124SpiderMan | $50.00 | $50.00 | 8/16/2010 9:40:57 AM |
| paceme1 | $39.99 | $39.99 | 8/16/2010 10:17:12 AM |
| Top_Gun_Lender | $51.00 | $51.00 | 8/16/2010 12:36:54 PM |
| credit-missile | $25.00 | $25.00 | 8/16/2010 10:52:54 AM |
| investment-cluster | $25.00 | $25.00 | 8/16/2010 1:24:25 PM |
| favorite-commerce | $25.00 | $25.00 | 8/16/2010 11:16:14 AM |
| thankful-nickel2 | $25.00 | $25.00 | 8/16/2010 2:33:26 PM |
| psycardis | $50.00 | $50.00 | 8/16/2010 1:59:32 PM |
| 180 bids
|
Borrower Payment Dependent Notes Series
470450
This series of Notes was issued and sold upon the funding of the borrower loan #44009, 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:
| 6.0% |
Auction start date:
| Aug-09-2010 |
| |
Auction end date:
| Aug-16-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $347.39 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $347.39 |
| |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,856 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rate-circuit |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to?
pay off about $10,000 in credit card debt.
My financial situation:
I am a good candidate for this loan because?
my credit score is over 740, not sure why I was profiled as B. I have good income, and this is my only debt except my mortgage.
Monthly net income: $ 5000
Monthly expenses: $
Less than 2000
??Housing: $
591
??Insurance: $
75
??Car expenses: $
0
??Utilities: $
100
??Phone, cable, internet: $
100
??Food, entertainment: $
400
??Clothing, household expenses $
100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Why does it say that you do not own a home up top, but then you say that your only other debt is your mortgage? Do you rent the home you live in and then rent one out that you own? - lenderlee
A:
Hi,
I do have a small mortgage, as I have indicated in my monthly expenses. For some odd reason, my mortgage lender stopped reporting it last year. I have called them a few times, and they say they will report it, but then they don't. I've had a mortgage since 2000, it's $591 per month.
Thank you!
(Aug-12-2010)
Q:
Thanks for the quick answer. Your credit (and history) sounds great and I put in a bid on your loan. By the looks of it, your loan should be fully funded in a few more days. Good Luck! - lenderlee
A:
Thank you for the bid! I really appreciate it!
(Aug-12-2010)
Q:
What is the interest rate on the credit card(s) you plan on paying off? - moneytolend72
A:
Hello,
About $3000 (Home Depot) is at 27%, the rest is at 17%. My main goal is paying them off and only having one ~$300 payment in the next 3 years, instead of 3-4 payments for a longer period.
Thanks!
(Aug-14-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Weaverville | $50.00 | $50.00 | 8/9/2010 2:44:03 PM |
| richboy56 | $50.00 | $50.00 | 8/9/2010 2:45:05 PM |
| simplelender80 | $250.00 | $250.00 | 8/9/2010 2:46:41 PM |
| jigsaw | $100.00 | $100.00 | 8/9/2010 2:50:04 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/9/2010 2:50:48 PM |
| Goodlender42 | $25.00 | $25.00 | 8/9/2010 2:53:19 PM |
| paymentologist | $25.00 | $25.00 | 8/9/2010 2:53:08 PM |
| rescue | $50.00 | $50.00 | 8/9/2010 2:53:43 PM |
| credit-kahuna | $50.00 | $50.00 | 8/9/2010 2:53:48 PM |
| tech310 | $100.00 | $100.00 | 8/9/2010 2:47:32 PM |
| Bio-physicist | $25.00 | $25.00 | 8/9/2010 2:55:23 PM |
| cablenews | $50.00 | $50.00 | 8/9/2010 2:55:36 PM |
| lendstats_com | $25.00 | $25.00 | 8/9/2010 2:55:39 PM |
| xstreamin | $25.00 | $25.00 | 8/9/2010 2:49:52 PM |
| jbaum | $25.00 | $25.00 | 8/9/2010 2:50:13 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/9/2010 2:50:38 PM |
| E_G | $50.00 | $50.00 | 8/9/2010 2:58:28 PM |
| BeanCownter | $100.00 | $100.00 | 8/9/2010 2:58:50 PM |
| cathexis | $50.00 | $50.00 | 8/9/2010 2:58:57 PM |
| chicco | $80.00 | $80.00 | 8/9/2010 3:00:46 PM |
| GElender | $50.00 | $50.00 | 8/9/2010 4:02:47 PM |
| bountiful-durability | $100.00 | $100.00 | 8/9/2010 2:56:24 PM |
| larrybird | $100.00 | $100.00 | 8/9/2010 2:56:35 PM |
| Investoman | $100.00 | $100.00 | 8/9/2010 2:58:42 PM |
| Panna | $25.00 | $25.00 | 8/9/2010 7:57:43 PM |
| Krozy | $25.00 | $25.00 | 8/9/2010 8:34:04 PM |
| buraky | $25.67 | $25.67 | 8/9/2010 9:05:40 PM |
| skuba | $25.00 | $25.00 | 8/10/2010 12:33:32 PM |
| inspired-investment8 | $100.00 | $100.00 | 8/10/2010 10:17:52 PM |
| dcap3 | $69.99 | $69.99 | 8/11/2010 6:13:22 AM |
| gochargers | $100.00 | $100.00 | 8/11/2010 5:02:49 PM |
| bonus-poplar2 | $50.00 | $50.00 | 8/11/2010 5:02:50 PM |
| chkrvrty | $25.00 | $25.00 | 8/12/2010 7:02:29 AM |
| gracej | $25.00 | $25.00 | 8/11/2010 11:17:32 PM |
| JustMee | $25.00 | $25.00 | 8/11/2010 8:06:25 PM |
| turbine5 | $50.00 | $50.00 | 8/12/2010 8:48:47 AM |
| anton | $27.21 | $27.21 | 8/11/2010 11:57:33 PM |
| top-courteous-peso | $50.00 | $50.00 | 8/12/2010 11:08:38 AM |
| wise-deal-panda | $50.00 | $50.00 | 8/12/2010 9:32:42 AM |
| AFFlyboy | $50.00 | $50.00 | 8/12/2010 11:37:53 AM |
| integrity-onator1 | $25.00 | $25.00 | 8/12/2010 11:37:44 AM |
| bid-carrier0 | $25.00 | $25.00 | 8/12/2010 3:10:52 PM |
| haryassman | $25.00 | $25.00 | 8/12/2010 3:48:57 PM |
| Lesburger | $25.00 | $25.00 | 8/12/2010 4:17:34 PM |
| woodman61 | $50.00 | $50.00 | 8/12/2010 4:22:37 PM |
| silver-armada | $50.00 | $50.00 | 8/12/2010 4:52:30 PM |
| felicity-daydream | $86.00 | $86.00 | 8/12/2010 5:13:38 PM |
| lenderlee | $50.00 | $50.00 | 8/12/2010 4:27:10 PM |
| hard-working-loot | $25.00 | $25.00 | 8/12/2010 3:48:08 PM |
| beachbum22 | $25.00 | $25.00 | 8/12/2010 5:43:19 PM |
| one-midas | $25.00 | $25.00 | 8/12/2010 6:32:18 PM |
| the-productive-agreement | $25.00 | $25.00 | 8/12/2010 6:35:16 PM |
| new-social-economist | $25.00 | $25.00 | 8/12/2010 5:02:41 PM |
| RusRobo | $25.00 | $25.00 | 8/12/2010 6:35:16 PM |
| DeutscheBank | $25.00 | $25.00 | 8/12/2010 6:52:51 PM |
| blackstar | $25.00 | $25.00 | 8/13/2010 4:33:56 AM |
| flexible-integrity7 | $50.00 | $50.00 | 8/12/2010 9:20:31 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 8/13/2010 9:32:36 AM |
| maltma | $25.00 | $25.00 | 8/13/2010 11:40:54 AM |
| market-assembler | $25.00 | $25.00 | 8/13/2010 12:49:45 PM |
| credit-kahuna | $50.00 | $50.00 | 8/13/2010 1:24:58 PM |
| velocity-winner | $25.00 | $25.00 | 8/13/2010 3:56:36 PM |
| wop310 | $50.00 | $50.00 | 8/13/2010 5:09:09 PM |
| FinDoc | $25.00 | $25.00 | 8/13/2010 9:50:46 PM |
| wwwUniversal | $25.00 | $25.00 | 8/13/2010 9:55:14 PM |
| fair_rates | $25.00 | $25.00 | 8/13/2010 10:13:22 PM |
| PotatoLender | $25.00 | $25.00 | 8/13/2010 4:49:55 PM |
| vest_vortex | $25.00 | $25.00 | 8/13/2010 5:39:06 PM |
| gold-sycamore | $45.00 | $45.00 | 8/13/2010 6:09:52 PM |
| ultimatepaintball | $25.00 | $25.00 | 8/13/2010 10:13:45 PM |
| all_of_that_one | $27.00 | $27.00 | 8/14/2010 7:38:23 AM |
| rbotterbLLC | $25.00 | $25.00 | 8/14/2010 7:52:21 AM |
| loanermn | $50.00 | $50.00 | 8/13/2010 11:19:52 PM |
| CSinvestments | $25.00 | $25.00 | 8/14/2010 9:03:57 AM |
| justinology | $25.00 | $25.00 | 8/14/2010 12:40:33 AM |
| bank-examiner | $25.00 | $25.00 | 8/14/2010 3:33:20 AM |
| BONSAY | $50.00 | $50.00 | 8/14/2010 8:31:49 AM |
| jigsawhc | $29.00 | $29.00 | 8/14/2010 3:20:56 PM |
| lucrative-coin | $50.00 | $50.00 | 8/15/2010 7:47:25 AM |
| laomedon | $50.00 | $50.00 | 8/15/2010 12:12:07 AM |
| principal-bull | $25.00 | $25.00 | 8/15/2010 5:41:17 AM |
| lender5150 | $25.00 | $25.00 | 8/15/2010 12:58:20 PM |
| trona | $38.32 | $38.32 | 8/15/2010 1:45:31 PM |
| FOFagent1 | $200.00 | $200.00 | 8/15/2010 9:41:08 AM |
| starry2001 | $25.00 | $25.00 | 8/15/2010 3:24:45 PM |
| loss-of-control | $25.00 | $25.00 | 8/15/2010 7:39:07 PM |
| skorpious | $25.00 | $25.00 | 8/15/2010 2:25:32 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 8/15/2010 5:01:59 PM |
| credit-panda1 | $25.00 | $25.00 | 8/16/2010 6:34:20 AM |
| asset-mammal | $25.00 | $25.00 | 8/16/2010 8:35:39 AM |
| colonel5 | $25.00 | $25.00 | 8/16/2010 9:00:06 AM |
| samdog079 | $75.00 | $75.00 | 8/15/2010 8:35:27 PM |
| Bidwinner08 | $61.41 | $61.41 | 8/16/2010 9:51:25 AM |
| revenue-sapling | $100.00 | $100.00 | 8/16/2010 7:00:31 AM |
| Cherrypicker | $50.00 | $50.00 | 8/16/2010 10:20:45 AM |
| encore739 | $25.00 | $25.00 | 8/16/2010 8:25:04 AM |
| moola-monger9 | $50.00 | $50.00 | 8/16/2010 9:15:51 AM |
| cash-spinner | $25.00 | $25.00 | 8/16/2010 9:20:40 AM |
| cpbreton | $25.00 | $25.00 | 8/16/2010 12:42:06 PM |
| PropertyInvest | $25.00 | $25.00 | 8/16/2010 9:56:47 AM |
| greekpolis | $100.00 | $100.00 | 8/16/2010 10:15:56 AM |
| VIPBank | $40.00 | $40.00 | 8/16/2010 2:35:16 PM |
| balance-chestnut | $62.50 | $62.50 | 8/16/2010 12:24:31 PM |
| trumpeter5 | $25.00 | $25.00 | 8/16/2010 12:53:28 PM |
| hektek22 | $300.00 | $300.00 | 8/16/2010 12:54:59 PM |
| Picopie | $50.00 | $50.00 | 8/9/2010 2:48:39 PM |
| credit-investor5 | $50.00 | $50.00 | 8/9/2010 2:50:31 PM |
| LenderDan | $50.00 | $50.00 | 8/9/2010 2:50:57 PM |
| Artist_Blue | $25.00 | $25.00 | 8/9/2010 2:44:49 PM |
| ray1051 | $25.00 | $25.00 | 8/9/2010 2:45:34 PM |
| greeninspirit | $25.00 | $25.00 | 8/9/2010 2:53:00 PM |
| leeball | $50.00 | $50.00 | 8/9/2010 2:53:27 PM |
| Wellman | $100.00 | $100.00 | 8/9/2010 2:54:12 PM |
| ichibon | $100.00 | $100.00 | 8/9/2010 2:54:45 PM |
| income-fortress | $25.00 | $25.00 | 8/9/2010 2:49:40 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/9/2010 2:50:27 PM |
| sensible-trade | $100.00 | $100.00 | 8/9/2010 2:57:08 PM |
| dynrep | $25.00 | $25.00 | 8/9/2010 2:57:26 PM |
| 52digital | $25.00 | $25.00 | 8/9/2010 2:57:56 PM |
| Supernick | $50.00 | $50.00 | 8/9/2010 2:59:05 PM |
| Bookophile | $100.00 | $100.00 | 8/9/2010 2:59:19 PM |
| spaceman1645 | $100.00 | $100.00 | 8/9/2010 2:59:30 PM |
| objective-investor | $100.00 | $100.00 | 8/9/2010 2:54:31 PM |
| ddog0224 | $25.00 | $25.00 | 8/9/2010 2:54:54 PM |
| socrates520 | $50.00 | $50.00 | 8/9/2010 2:55:10 PM |
| hitsman | $100.00 | $100.00 | 8/9/2010 2:55:45 PM |
| fishintime | $25.00 | $25.00 | 8/9/2010 2:56:55 PM |
| B-rad_the_Coug | $25.00 | $25.00 | 8/9/2010 7:12:35 PM |
| cash-boots | $25.00 | $25.00 | 8/9/2010 7:47:43 PM |
| platinum-optimization1 | $25.00 | $25.00 | 8/9/2010 8:28:03 PM |
| roadster199 | $25.00 | $25.00 | 8/9/2010 8:55:17 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/9/2010 9:32:22 PM |
| tranquil-return4 | $25.00 | $25.00 | 8/10/2010 3:17:44 AM |
| octoberfresh | $25.00 | $25.00 | 8/10/2010 7:04:17 AM |
| important-openness1 | $33.19 | $33.19 | 8/10/2010 7:13:13 AM |
| Sol_Invictus | $25.00 | $25.00 | 8/10/2010 8:08:07 AM |
| MARSTUN | $50.00 | $50.00 | 8/10/2010 9:27:54 AM |
| Easystreet | $25.00 | $25.00 | 8/10/2010 11:11:29 AM |
| wonderful-revenue0 | $25.00 | $25.00 | 8/10/2010 12:02:47 PM |
| ClearCut | $50.00 | $50.00 | 8/10/2010 9:21:23 PM |
| helpishere777 | $25.00 | $25.00 | 8/10/2010 9:22:55 PM |
| blue-useful-auction | $25.00 | $25.00 | 8/11/2010 7:49:23 AM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:38:39 AM |
| kegs | $150.00 | $150.00 | 8/11/2010 10:07:57 AM |
| Ocean713 | $50.00 | $50.00 | 8/11/2010 7:38:28 AM |
| Marathoner | $50.00 | $50.00 | 8/11/2010 5:03:30 PM |
| riproaringrapids | $25.00 | $25.00 | 8/11/2010 5:02:42 PM |
| justice-dna | $40.00 | $40.00 | 8/11/2010 5:04:03 PM |
| resource777 | $30.76 | $30.76 | 8/12/2010 6:22:38 AM |
| thevogelfamily | $25.00 | $25.00 | 8/12/2010 11:19:24 AM |
| oracle3 | $50.00 | $50.00 | 8/12/2010 12:58:50 PM |
| Sixmil | $25.00 | $25.00 | 8/12/2010 11:28:03 AM |
| buddy486 | $25.00 | $25.00 | 8/12/2010 11:47:32 AM |
| mrack | $25.00 | $25.00 | 8/12/2010 3:36:51 PM |
| Jumbojack | $50.00 | $50.00 | 8/12/2010 4:17:52 PM |
| kaykarun | $25.00 | $25.00 | 8/12/2010 3:46:33 PM |
| Imaginos1892 | $100.00 | $100.00 | 8/12/2010 7:03:27 PM |
| Miscellaneous | $25.00 | $25.00 | 8/12/2010 7:09:36 PM |
| bid-czar8 | $50.00 | $50.00 | 8/12/2010 7:12:34 PM |
| diversification-viking | $50.00 | $50.00 | 8/12/2010 3:49:09 PM |
| refined-income7 | $25.00 | $25.00 | 8/12/2010 7:27:57 PM |
| platinum-rapture6 | $25.00 | $25.00 | 8/12/2010 6:17:41 PM |
| SpectrumCen | $25.00 | $25.00 | 8/12/2010 6:02:48 PM |
| anders94 | $25.00 | $25.00 | 8/13/2010 3:08:14 AM |
| upbeat-investment9 | $25.00 | $25.00 | 8/12/2010 6:42:51 PM |
| benefit-piano5 | $25.00 | $25.00 | 8/12/2010 6:42:54 PM |
| DcUnited | $25.00 | $25.00 | 8/13/2010 3:16:27 AM |
| hrubinst | $25.00 | $25.00 | 8/13/2010 3:36:25 AM |
| Megatron404 | $25.00 | $25.00 | 8/13/2010 6:30:58 AM |
| brazilofmux | $30.83 | $30.83 | 8/13/2010 2:59:51 AM |
| Binan | $25.00 | $25.00 | 8/13/2010 7:30:37 AM |
| Clambake | $50.00 | $24.80 | 8/13/2010 8:37:22 AM |
| 1stAmericanCapital | $25.00 | $25.00 | 8/13/2010 12:47:32 PM |
| poetic-diversification | $250.00 | $250.00 | 8/13/2010 2:00:05 PM |
| armycorporal | $65.65 | $65.65 | 8/13/2010 2:37:08 PM |
| respectful-integrity3 | $25.00 | $25.00 | 8/13/2010 1:43:39 PM |
| bondhedger | $25.00 | $25.00 | 8/13/2010 5:02:24 PM |
| psonicl | $100.00 | $100.00 | 8/13/2010 3:07:05 PM |
| MWMoney | $50.00 | $50.00 | 8/13/2010 6:53:38 PM |
| wkeboarder21 | $50.00 | $50.00 | 8/14/2010 5:15:46 AM |
| prohelper | $25.47 | $25.47 | 8/13/2010 10:06:36 PM |
| p2p-paradise | $44.77 | $44.77 | 8/13/2010 10:25:02 PM |
| CBTW | $25.00 | $25.00 | 8/14/2010 6:43:30 AM |
| FinanceEngine | $25.00 | $25.00 | 8/14/2010 7:33:01 AM |
| spiff666 | $25.00 | $25.00 | 8/14/2010 9:24:59 AM |
| wlm3012 | $25.00 | $25.00 | 8/14/2010 10:53:51 AM |
| heerzaquestion | $25.00 | $25.00 | 8/14/2010 5:24:40 AM |
| pythia | $25.00 | $25.00 | 8/14/2010 2:33:05 PM |
| BONSAY | $50.00 | $50.00 | 8/14/2010 8:30:59 AM |
| Byrd24 | $100.00 | $100.00 | 8/14/2010 9:29:20 AM |
| thenewkaisersoze | $25.00 | $25.00 | 8/14/2010 6:02:07 PM |
| credit-coach118 | $25.00 | $25.00 | 8/14/2010 9:52:08 PM |
| CSAworker | $25.00 | $25.00 | 8/14/2010 1:40:20 PM |
| bughead | $25.00 | $25.00 | 8/14/2010 4:03:43 PM |
| MattProsper | $60.00 | $60.00 | 8/14/2010 10:40:07 PM |
| money4u2use | $25.00 | $25.00 | 8/15/2010 8:36:36 AM |
| power-secret-agent | $25.00 | $25.00 | 8/15/2010 1:23:51 PM |
| lt_dt | $25.00 | $25.00 | 8/15/2010 2:01:06 PM |
| ttnk62918 | $25.00 | $25.00 | 8/15/2010 8:12:46 AM |
| trade-goblin9 | $25.00 | $25.00 | 8/15/2010 6:50:58 PM |
| currency-agave | $25.00 | $25.00 | 8/15/2010 5:38:46 PM |
| johnk317 | $100.00 | $100.00 | 8/15/2010 1:17:39 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/15/2010 7:11:56 PM |
| JackinGreen | $38.42 | $38.42 | 8/15/2010 3:29:48 PM |
| cash-mountain4 | $25.00 | $25.00 | 8/15/2010 6:01:54 PM |
| forthright-principal2 | $25.00 | $25.00 | 8/16/2010 7:51:54 AM |
| tranquil-revenue | $125.00 | $125.00 | 8/16/2010 7:15:24 AM |
| agent86a | $26.75 | $26.75 | 8/16/2010 10:24:29 AM |
| knowonder | $25.00 | $25.00 | 8/15/2010 11:11:17 PM |
| DasMula | $25.00 | $25.00 | 8/16/2010 9:04:17 AM |
| tranquil-revenue | $100.00 | $100.00 | 8/16/2010 7:05:12 AM |
| UncleSafety | $50.00 | $50.00 | 8/16/2010 10:12:28 AM |
| paceme1 | $39.99 | $39.99 | 8/16/2010 10:22:23 AM |
| durable-investment8 | $30.00 | $30.00 | 8/16/2010 11:57:36 AM |
| nildivloans | $50.00 | $50.00 | 8/16/2010 12:43:34 PM |
| thrilling-nickel5 | $42.27 | $42.27 | 8/16/2010 1:37:36 PM |
| grampy48 | $25.00 | $25.00 | 8/16/2010 2:19:01 PM |
| 217 bids
|
Borrower Payment Dependent Notes Series
470510
This series of Notes was issued and sold upon the funding of the borrower loan #44027, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,785.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Aug-09-2010 |
| |
Auction end date:
| Aug-13-2010 |
|
|
Starting lender yield:
| 15.85% |
Starting borrower rate/APR:
| 16.85% / 19.04% |
Starting monthly payment:
| $241.40 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $235.70 |
| |
|
Auction yield range:
| 5.89% - 15.85% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 740-759 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Scientist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,784 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| statuesque-justice1 |
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
Low Risk Loan #2 for Chemist RELIST
RELISTING because I felt my asking APR was too low given the rates being funded for?others with similar scores. Increased my asking interest rate. Please fund! I'd rather pay?YOU than some high priced credit card company!!
Purpose of loan:
This loan will be used to lower the interest rate on a cash advance I took towards my wedding. We pay ~120/mo in interest?& would like to ensure that more of our money is going towards principal.
My financial situation:
I am a good candidate because I am a chemist working in my field. I have been with my company for 6 years. As of July 17th, with my latest raise, I make 47,816 annually before bonuses. My husband makes another 45k. Also, this is my second peer lending loan. My first was with Lending Club and the current remaining balance on ?Terms: $5,275 / 3 years / 10.39%? is $452.91. We will pay it off next month (early) and two months ago we paid off our only vehicle payment (early). Lending Club no longer lends in my state, so I was pleased to find another peer lending company. Our remaining debt is his credit card consolidation and our educational loans. The expenses below are my half of our monthly expenses.Monthly net income: $ 2777.86
Monthly expenses: $
Housing: $ 340
Insurance: $ 90
Car expenses: $ 200
Utilities: $ 60-80
Phone, cable, internet: $ 125
Food, entertainment: $ 250
Clothing, household expenses $ 150
Credit cards and other loans: $ 185.83 (student loan)+ 200 (wedding debt) +171.18 (Lending Club)=557.01
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 can I look up the loan that you have on Lending Club? - Michael206
A:
That's a good question! I do not know how you can look up my loan without me disclosing information that could potentially place my private information at risk. I'm sorry I don't know more. If anyone has a suggestion, please let me know.
(Aug-12-2010)
Q:
Hi,
Are both you and your husband still employed?
Is there any other debt that you & your husband owe but not listed in Prosper?
Will there be major events (such as buying a house, give birth a baby, layoff, pay cuts, moving...etc) happen in the t - p2ploan-sensation211
A:
We are both employed full-time. We have no debts other than what I listed. Prosper didn't cover loans, but we have student loans, he has a consolidation loan, and I have one that will be paid off on the 22nd. We would like to have a baby, so that is a possibility. We would also like a house, but want to pay off the wedding debt first (this loan). I want a great interest rate and I can't do that with this debt over us. Good Q's!
(Aug-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 8/9/2010 2:44:47 PM |
| simplelender80 | $250.00 | $250.00 | 8/9/2010 2:46:40 PM |
| Picopie | $50.00 | $50.00 | 8/9/2010 2:48:40 PM |
| income-fortress | $25.00 | $25.00 | 8/9/2010 2:49:41 PM |
| xstreamin | $25.00 | $25.00 | 8/9/2010 2:49:52 PM |
| richboy56 | $50.00 | $50.00 | 8/9/2010 2:45:06 PM |
| objective-investor | $100.00 | $100.00 | 8/9/2010 2:54:32 PM |
| ddog0224 | $25.00 | $25.00 | 8/9/2010 2:54:55 PM |
| ichibon | $100.00 | $100.00 | 8/9/2010 2:54:44 PM |
| Bio-physicist | $25.00 | $25.00 | 8/9/2010 2:55:24 PM |
| fishintime | $25.00 | $25.00 | 8/9/2010 2:56:54 PM |
| larrybird | $100.00 | $100.00 | 8/9/2010 2:56:36 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/9/2010 2:50:49 PM |
| LenderDan | $50.00 | $50.00 | 8/9/2010 2:50:58 PM |
| E_G | $50.00 | $50.00 | 8/9/2010 2:58:27 PM |
| Investoman | $100.00 | $100.00 | 8/9/2010 2:58:43 PM |
| credit-kahuna | $50.00 | $50.00 | 8/9/2010 2:53:49 PM |
| Supernick | $50.00 | $50.00 | 8/9/2010 2:59:06 PM |
| Bookophile | $100.00 | $100.00 | 8/9/2010 2:59:20 PM |
| spaceman1645 | $100.00 | $100.00 | 8/9/2010 2:59:31 PM |
| chicco | $80.00 | $80.00 | 8/9/2010 3:00:47 PM |
| GElender | $50.00 | $50.00 | 8/9/2010 4:02:47 PM |
| dynrep | $25.00 | $25.00 | 8/9/2010 5:49:51 PM |
| Panna | $25.00 | $25.00 | 8/9/2010 7:57:40 PM |
| Krozy | $25.00 | $25.00 | 8/9/2010 8:34:03 PM |
| Rose22 | $50.00 | $50.00 | 8/9/2010 11:39:29 PM |
| rate-nest | $39.30 | $39.30 | 8/10/2010 6:06:02 AM |
| abnvette | $25.00 | $25.00 | 8/10/2010 6:55:55 AM |
| important-openness1 | $25.00 | $25.00 | 8/10/2010 8:52:48 AM |
| buraky | $50.00 | $50.00 | 8/10/2010 10:03:00 AM |
| intuitive-bill | $25.00 | $25.00 | 8/10/2010 11:20:01 AM |
| established-wampum8 | $25.00 | $25.00 | 8/10/2010 11:54:04 AM |
| a2190b | $25.00 | $25.00 | 8/10/2010 11:57:02 AM |
| wirebutterfly | $75.00 | $75.00 | 8/10/2010 12:10:00 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/10/2010 4:08:16 PM |
| platinum-optimization1 | $25.00 | $25.00 | 8/10/2010 5:12:33 PM |
| ritwik | $50.00 | $50.00 | 8/10/2010 6:46:00 PM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:38:42 AM |
| E-Nhan | $100.00 | $100.00 | 8/10/2010 8:06:08 PM |
| 1stBankAndHal | $25.00 | $25.00 | 8/11/2010 4:54:42 AM |
| Ocean713 | $50.00 | $50.00 | 8/11/2010 7:38:26 AM |
| szetheli | $161.00 | $161.00 | 8/11/2010 7:57:02 AM |
| leverage-monger | $25.00 | $25.00 | 8/11/2010 9:50:15 AM |
| kegs | $150.00 | $112.58 | 8/11/2010 10:07:58 AM |
| Peacepower | $25.00 | $25.00 | 8/11/2010 4:59:57 PM |
| BeanCownter | $100.00 | $100.00 | 8/11/2010 7:06:53 PM |
| rick4734 | $50.00 | $50.00 | 8/12/2010 7:42:33 AM |
| justin323 | $30.00 | $30.00 | 8/12/2010 8:04:13 AM |
| chkrvrty | $25.00 | $25.00 | 8/12/2010 9:46:16 AM |
| upbeat-wealth | $25.00 | $25.00 | 8/12/2010 10:36:54 AM |
| cash-spinner | $25.00 | $25.00 | 8/12/2010 1:14:08 PM |
| dorfinia | $50.00 | $50.00 | 8/12/2010 10:00:56 AM |
| haryassman | $25.00 | $25.00 | 8/12/2010 3:48:57 PM |
| mammalian4 | $25.00 | $25.00 | 8/12/2010 3:28:58 PM |
| samaritan5 | $40.11 | $40.11 | 8/12/2010 4:23:29 PM |
| favorite-commerce | $50.00 | $50.00 | 8/12/2010 6:35:03 PM |
| one-midas | $25.00 | $25.00 | 8/12/2010 6:35:53 PM |
| wilchik | $40.00 | $40.00 | 8/12/2010 4:37:27 PM |
| felicity-daydream | $50.00 | $50.00 | 8/12/2010 5:11:48 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 8/12/2010 7:16:26 PM |
| Jinco | $50.00 | $50.00 | 8/12/2010 5:11:32 PM |
| SV-AZ | $50.00 | $50.00 | 8/12/2010 7:19:38 PM |
| spiff666 | $25.00 | $25.00 | 8/12/2010 8:19:54 PM |
| HelpfulLender1 | $25.00 | $25.00 | 8/13/2010 5:03:28 AM |
| deal-promiser | $50.00 | $50.00 | 8/12/2010 7:14:25 PM |
| Chesterite | $35.00 | $35.00 | 8/12/2010 9:35:12 PM |
| Cromag | $25.00 | $25.00 | 8/13/2010 12:01:20 PM |
| HeroJason86 | $25.00 | $25.00 | 8/13/2010 1:26:35 PM |
| psonicl | $100.00 | $100.00 | 8/13/2010 3:07:12 PM |
| ray1051 | $25.00 | $25.00 | 8/9/2010 2:45:36 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/9/2010 2:47:05 PM |
| tech310 | $100.00 | $100.00 | 8/9/2010 2:47:33 PM |
| jigsaw | $100.00 | $100.00 | 8/9/2010 2:50:02 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/9/2010 2:50:25 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/9/2010 2:50:37 PM |
| Weaverville | $50.00 | $50.00 | 8/9/2010 2:44:06 PM |
| leeball | $50.00 | $50.00 | 8/9/2010 2:53:28 PM |
| Goodlender42 | $25.00 | $25.00 | 8/9/2010 2:53:18 PM |
| rescue | $50.00 | $50.00 | 8/9/2010 2:53:42 PM |
| Wellman | $100.00 | $100.00 | 8/9/2010 2:54:13 PM |
| socrates520 | $50.00 | $50.00 | 8/9/2010 2:55:11 PM |
| hitsman | $100.00 | $100.00 | 8/9/2010 2:55:48 PM |
| jbaum | $25.00 | $25.00 | 8/9/2010 2:50:12 PM |
| bountiful-durability | $100.00 | $100.00 | 8/9/2010 2:56:25 PM |
| sensible-trade | $100.00 | $100.00 | 8/9/2010 2:57:09 PM |
| greeninspirit | $25.00 | $25.00 | 8/9/2010 2:52:59 PM |
| paymentologist | $25.00 | $25.00 | 8/9/2010 2:53:08 PM |
| cablenews | $50.00 | $50.00 | 8/9/2010 2:55:35 PM |
| 52digital | $25.00 | $25.00 | 8/9/2010 2:57:58 PM |
| cathexis | $50.00 | $50.00 | 8/9/2010 2:58:58 PM |
| RandyL3 | $39.00 | $39.00 | 8/9/2010 2:59:50 PM |
| dynrep | $25.00 | $25.00 | 8/9/2010 5:24:36 PM |
| B-rad_the_Coug | $25.00 | $25.00 | 8/9/2010 7:12:36 PM |
| cash-boots | $25.00 | $25.00 | 8/9/2010 7:47:42 PM |
| credit-investor5 | $50.00 | $50.00 | 8/9/2010 7:09:08 PM |
| luckyldy | $35.00 | $35.00 | 8/9/2010 9:45:46 PM |
| tranquil-return4 | $25.00 | $25.00 | 8/10/2010 3:17:42 AM |
| BeanCownter | $43.60 | $43.60 | 8/10/2010 3:42:32 AM |
| Sol_Invictus | $25.00 | $25.00 | 8/10/2010 8:08:34 AM |
| circustab | $50.00 | $50.00 | 8/10/2010 8:17:00 AM |
| MARSTUN | $50.00 | $50.00 | 8/10/2010 9:27:55 AM |
| credit-panda1 | $25.00 | $25.00 | 8/10/2010 6:53:54 AM |
| fund-fox4 | $40.00 | $40.00 | 8/10/2010 10:55:01 AM |
| octoberfresh | $25.00 | $25.00 | 8/10/2010 7:04:42 AM |
| studious-bonus7 | $100.00 | $100.00 | 8/10/2010 11:12:09 AM |
| FinanceEngine | $25.00 | $25.00 | 8/10/2010 10:17:21 AM |
| wonderful-revenue0 | $25.00 | $25.00 | 8/10/2010 12:02:49 PM |
| durability-halibut | $25.00 | $25.00 | 8/10/2010 12:14:52 PM |
| a2190b | $25.00 | $25.00 | 8/10/2010 11:56:33 AM |
| iolaire | $25.00 | $25.00 | 8/10/2010 2:18:43 PM |
| scratch4you | $25.00 | $25.00 | 8/10/2010 4:09:36 PM |
| helpishere777 | $25.00 | $25.00 | 8/10/2010 9:22:57 PM |
| inspired-investment8 | $100.00 | $100.00 | 8/10/2010 10:17:54 PM |
| trade-surge3 | $31.39 | $31.39 | 8/10/2010 7:12:34 PM |
| Easystreet | $25.00 | $25.00 | 8/11/2010 12:43:11 AM |
| dcap3 | $50.00 | $50.00 | 8/11/2010 6:13:29 AM |
| Josphine | $25.00 | $25.00 | 8/11/2010 5:19:27 AM |
| One-ninety-three | $25.00 | $25.00 | 8/11/2010 8:13:31 AM |
| wwwUniversal | $25.00 | $25.00 | 8/11/2010 10:13:26 AM |
| Asparagirl | $25.00 | $25.00 | 8/11/2010 9:25:33 AM |
| bondhedger | $25.00 | $25.00 | 8/11/2010 11:22:48 AM |
| cutter21 | $25.00 | $25.00 | 8/11/2010 11:54:54 AM |
| jrw | $47.00 | $47.00 | 8/11/2010 5:23:14 PM |
| sincere-balance | $25.00 | $25.00 | 8/11/2010 9:37:12 PM |
| eBankInvest | $51.02 | $51.02 | 8/12/2010 6:36:01 AM |
| ksubd | $75.00 | $75.00 | 8/12/2010 6:51:49 AM |
| top-courteous-peso | $50.00 | $50.00 | 8/12/2010 11:08:45 AM |
| Littlepeng | $25.00 | $25.00 | 8/12/2010 11:49:24 AM |
| ClearCut | $50.00 | $50.00 | 8/12/2010 3:37:07 PM |
| WorkingTA | $25.00 | $25.00 | 8/12/2010 5:05:13 PM |
| MoneyBag4366 | $25.00 | $25.00 | 8/12/2010 3:56:14 PM |
| DSK_Financials | $50.00 | $50.00 | 8/12/2010 7:43:58 PM |
| BankofHoneybear | $50.00 | $50.00 | 8/12/2010 8:22:35 PM |
| P3P-Career-Coach | $25.00 | $25.00 | 8/12/2010 7:04:09 PM |
| MattProsper | $60.00 | $60.00 | 8/12/2010 5:41:00 PM |
| rockhound84 | $25.00 | $25.00 | 8/13/2010 5:04:28 AM |
| Megatron404 | $25.00 | $25.00 | 8/13/2010 6:28:41 AM |
| sc-pjb11 | $25.00 | $25.00 | 8/13/2010 3:25:54 AM |
| leverage-monger | $25.00 | $25.00 | 8/13/2010 10:37:10 AM |
| credit-kahuna | $50.00 | $50.00 | 8/13/2010 1:26:16 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/13/2010 9:59:06 AM |
| encore739 | $25.00 | $25.00 | 8/13/2010 1:55:02 PM |
| tedi-tif | $50.00 | $50.00 | 8/13/2010 1:12:41 PM |
| shneb | $100.00 | $100.00 | 8/13/2010 4:13:27 PM |
| 144 bids
|
Borrower Payment Dependent Notes Series
470672
This series of Notes was issued and sold upon the funding of the borrower loan #44001, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Aug-11-2010 |
| |
Auction end date:
| Aug-18-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $82.19 |
|
Final lender yield:
| 22.00% |
Final borrower rate/APR:
| 23.00% / 26.46% |
Final monthly payment:
| $77.42 |
| |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.33% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.67% | | |
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 score (1-10):
| 8 |
First credit line:
| Jul-1979 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 31y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $81,946 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| affluence-dancer9 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
real estate taxes overdue
Purpose of loan:
This loan will be used to? payoff the remaining amount of real estates taxes due from the previous year.? I was hospitalized earlier this year and the money I would have used to pay the taxes went to pay for some of my doctor bills and I have had car repairs that have not helped either.
My financial situation:
I am a good candidate for this loan because? I am gainfully employed with no chance of being laid off.
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 658
??Insurance: $ 90
??Car expenses: $?I own my car, but it?has needed too many repairs lately which is one of the reasons I needed this loan
??Utilities: $ 150
??Phone, cable, internet: $ 80
??Food, entertainment: $ 600
??Clothing, household expenses $ trying to keep it minimal?
??Credit cards and other loans: $ 700
??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:
Please list each of your debt balances and interest rates, including mortgage debt. Thanks and best wishes. - reflective-rupee
A:
Mortgage is 101,000, paying 660 a month, I also have an equity line of credit of 74,000, paying 280 a month. (depending on who you ask, my house is valued at 185,00 to 215,00). Care One debt management account for 3 creditors which I just upped the payment to 235 a month (total balance is about 6000) (by the way, they have really helped me get my finances back on track) I have about 4 store credit cards in which three are almost paid off and one with 1000. I hope this answers your question.
(Aug-11-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| mercuriant | $25.00 | $25.00 | 8/12/2010 11:12:27 AM |
| greggathelegga | $25.00 | $25.00 | 8/16/2010 5:44:46 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/16/2010 7:55:46 PM |
| Top_Gun_Lender | $26.00 | $26.00 | 8/16/2010 7:19:54 PM |
| padewy | $25.00 | $25.00 | 8/17/2010 1:25:29 PM |
| interstellar | $50.00 | $50.00 | 8/17/2010 12:32:10 PM |
| trade-goblin9 | $25.00 | $25.00 | 8/17/2010 2:02:15 PM |
| Mastercard | $31.43 | $31.43 | 8/17/2010 5:09:32 PM |
| BeanCownter | $50.00 | $50.00 | 8/17/2010 6:06:53 PM |
| vest_vortex | $25.00 | $25.00 | 8/17/2010 7:01:09 PM |
| jonnysixgun | $26.42 | $26.42 | 8/17/2010 7:53:56 PM |
| mpatrick | $50.00 | $50.00 | 8/17/2010 8:37:32 PM |
| dRatedOnly | $25.00 | $25.00 | 8/18/2010 2:48:43 AM |
| ErvLending | $41.68 | $41.68 | 8/17/2010 10:00:18 PM |
| Pu239 | $60.00 | $60.00 | 8/18/2010 8:18:57 AM |
| draggon77 | $25.00 | $25.00 | 8/18/2010 7:24:51 AM |
| gjm6d | $25.00 | $25.00 | 8/18/2010 1:33:03 PM |
| Starfin-Capital-Management | $100.00 | $100.00 | 8/18/2010 1:01:00 PM |
| ProModelA | $25.00 | $25.00 | 8/18/2010 1:58:48 PM |
| jpollar | $25.00 | $25.00 | 8/11/2010 2:29:37 PM |
| FinanceEngine | $30.00 | $13.41 | 8/16/2010 4:17:34 PM |
| systematic-repayment5 | $25.00 | $25.00 | 8/17/2010 3:12:36 PM |
| Leshan | $33.33 | $33.33 | 8/17/2010 9:47:35 PM |
| abnvette | $25.00 | $25.00 | 8/17/2010 8:16:01 PM |
| wild-orange | $25.00 | $25.00 | 8/18/2010 1:50:24 AM |
| luann199 | $35.84 | $35.84 | 8/18/2010 8:35:03 AM |
| partyplan | $30.00 | $30.00 | 8/18/2010 11:43:57 AM |
| bonus-sensai825 | $25.00 | $25.00 | 8/18/2010 12:03:30 PM |
| hektek22 | $600.00 | $600.00 | 8/18/2010 12:37:01 PM |
| astro128 | $37.31 | $37.31 | 8/18/2010 1:16:07 PM |
| VTXRider | $25.00 | $25.00 | 8/18/2010 1:37:54 PM |
| moola-monger9 | $50.00 | $50.00 | 8/18/2010 1:44:30 PM |
| emjaybee | $25.00 | $25.00 | 8/18/2010 1:10:00 PM |
| p2p-mover0 | $32.13 | $32.13 | 8/18/2010 2:00:11 PM |
| authentic-peace7 | $27.45 | $27.45 | 8/18/2010 2:10:00 PM |
| KrauseVentures | $30.00 | $30.00 | 8/18/2010 2:16:01 PM |
| VJ_Financial | $250.00 | $250.00 | 8/18/2010 1:36:07 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
470718
This series of Notes was issued and sold upon the funding of the borrower loan #44018, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% |
Auction start date:
| Aug-10-2010 |
| |
Auction end date:
| Aug-16-2010 |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $180.45 |
|
Final lender yield:
| 10.15% |
Final borrower rate/APR:
| 11.15% / 13.27% |
Final monthly payment:
| $180.45 |
| |
|
Auction yield range:
| 3.89% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 720-739 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,964 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 20% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| durability-bell |
Borrower's state:
| Mississippi |
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
Help my mother with some bills.
Purpose of loan:This loan will be used to help my mother with some bills. My stepfather passed 7 months again and left her with some unpaid bills.? I am trying to help her, and take some of the?pressure off her. I will be responsible for the loan, and able to reply it.?
My financial situation:I am a good candidate for this loan because I am employed fulltime?with a stable job with very low risk of layoff. I had a bankruptcy (Devoice) in 2005, but every since then I have paid all my bills on time. I have a Prosper Rating of?B,?a?Prosper Score of?8 which is a very low risk, and a FICO score of 722. I have also moved in with my mother to help her out, and?I have very few bills. I would like to thank the lenders in advance for considered this loan request.
Monthly net income: $ 1900
Monthly expenses: $ ??Housing: $ 0??
Insurance: $ 0??
Car expenses: $ 0??
Utilities: $ 135?
?Phone, cable, internet: $ 99?
?Food, entertainment: $ 50?
?Clothing, household expenses $ 75??
Credit cards and other loans:
$ 150??Other expenses: $ 150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Weaverville | $25.00 | $25.00 | 8/10/2010 2:49:50 PM |
| Artist_Blue | $25.00 | $25.00 | 8/10/2010 2:51:42 PM |
| xstreamin | $25.00 | $25.00 | 8/10/2010 3:14:23 PM |
| paymentologist | $25.00 | $25.00 | 8/10/2010 3:17:08 PM |
| ichibon | $100.00 | $100.00 | 8/10/2010 3:18:08 PM |
| Goodlender42 | $25.00 | $25.00 | 8/10/2010 3:17:13 PM |
| rescue | $50.00 | $50.00 | 8/10/2010 3:17:32 PM |
| bountiful-durability | $100.00 | $100.00 | 8/10/2010 3:19:06 PM |
| cathexis | $50.00 | $50.00 | 8/10/2010 3:19:49 PM |
| Supernick | $50.00 | $50.00 | 8/10/2010 3:19:55 PM |
| fishintime | $25.00 | $25.00 | 8/10/2010 3:19:23 PM |
| j2ee | $25.00 | $25.00 | 8/10/2010 3:19:27 PM |
| spaceman1645 | $100.00 | $100.00 | 8/10/2010 3:20:08 PM |
| Investoman | $100.00 | $100.00 | 8/10/2010 3:19:46 PM |
| richboy56 | $50.00 | $50.00 | 8/10/2010 2:55:17 PM |
| LenderDan | $50.00 | $50.00 | 8/10/2010 3:15:28 PM |
| objective-investor | $100.00 | $100.00 | 8/10/2010 3:17:56 PM |
| Bookophile | $100.00 | $100.00 | 8/10/2010 3:19:59 PM |
| SDNLR | $25.00 | $25.00 | 8/10/2010 3:33:17 PM |
| ddog0224 | $25.00 | $25.00 | 8/10/2010 4:33:19 PM |
| systemlender | $50.00 | $50.00 | 8/10/2010 7:38:02 PM |
| inspired-investment8 | $100.00 | $100.00 | 8/10/2010 10:18:03 PM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:38:55 AM |
| kegs | $150.00 | $150.00 | 8/11/2010 10:08:01 AM |
| br4444 | $25.00 | $25.00 | 8/11/2010 3:37:33 PM |
| tranquil-return4 | $25.00 | $25.00 | 8/11/2010 5:04:04 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/11/2010 6:25:24 PM |
| Panna | $25.00 | $25.00 | 8/11/2010 5:03:17 PM |
| brother_tam | $50.00 | $50.00 | 8/11/2010 8:59:23 PM |
| Frugal | $25.00 | $25.00 | 8/11/2010 9:24:57 PM |
| sammyhammy | $25.00 | $25.00 | 8/12/2010 10:48:55 AM |
| sensible-trade | $100.00 | $100.00 | 8/12/2010 5:38:46 AM |
| resource777 | $30.76 | $30.76 | 8/12/2010 6:22:29 AM |
| buddy486 | $25.00 | $25.00 | 8/12/2010 11:47:37 AM |
| Spring342 | $25.00 | $25.00 | 8/12/2010 11:04:00 AM |
| helpishere777 | $25.00 | $25.00 | 8/12/2010 3:46:50 PM |
| credit-investor5 | $50.00 | $50.00 | 8/12/2010 3:47:12 PM |
| bid-carrier0 | $25.00 | $25.00 | 8/12/2010 3:49:30 PM |
| platinum-rapture6 | $25.00 | $25.00 | 8/12/2010 6:17:50 PM |
| Jumbojack | $50.00 | $50.00 | 8/12/2010 4:17:58 PM |
| woodman61 | $50.00 | $50.00 | 8/12/2010 7:48:34 PM |
| nimcha | $100.00 | $100.00 | 8/13/2010 6:56:34 AM |
| riproaringrapids | $25.00 | $25.00 | 8/12/2010 8:07:31 PM |
| blackstar | $25.00 | $25.00 | 8/13/2010 4:34:14 AM |
| djh47a | $25.00 | $25.00 | 8/13/2010 9:35:52 AM |
| Binan | $25.00 | $25.00 | 8/13/2010 7:30:44 AM |
| the-profit-oracle | $25.00 | $25.00 | 8/13/2010 3:42:50 AM |
| Clambake | $50.00 | $50.00 | 8/13/2010 8:37:32 AM |
| credit-superstar3 | $25.00 | $25.00 | 8/13/2010 11:59:11 AM |
| buraky | $50.00 | $50.00 | 8/13/2010 12:49:51 PM |
| Mario2007 | $50.00 | $50.00 | 8/13/2010 1:09:29 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 8/13/2010 9:32:49 AM |
| red-power-pecan | $50.00 | $50.00 | 8/13/2010 9:33:37 AM |
| anton | $125.00 | $125.00 | 8/13/2010 10:21:43 AM |
| bombay56 | $25.56 | $25.56 | 8/13/2010 3:46:45 PM |
| unforgettable-order9 | $50.00 | $50.00 | 8/13/2010 8:06:55 PM |
| psonicl | $100.00 | $100.00 | 8/13/2010 3:07:29 PM |
| well-rounded-dinero | $25.00 | $13.78 | 8/14/2010 6:03:12 AM |
| wwwUniversal | $25.00 | $25.00 | 8/14/2010 8:57:07 AM |
| availableloan | $25.00 | $25.00 | 8/14/2010 7:07:03 PM |
| gochargers | $26.00 | $26.00 | 8/14/2010 12:46:50 PM |
| newest-bountiful-basis | $25.00 | $25.00 | 8/14/2010 6:12:51 PM |
| P3P-Career-Coach | $26.18 | $26.18 | 8/14/2010 6:27:59 PM |
| Independenttools | $25.00 | $25.00 | 8/15/2010 9:05:13 PM |
| credit-launcher773 | $25.00 | $25.00 | 8/16/2010 4:11:02 AM |
| ethicalhumanist | $25.00 | $25.00 | 8/15/2010 7:30:38 PM |
| FundMaker | $25.00 | $25.00 | 8/16/2010 12:16:56 AM |
| ray1051 | $25.00 | $25.00 | 8/10/2010 2:52:24 PM |
| simplelender80 | $250.00 | $250.00 | 8/10/2010 2:55:39 PM |
| income-fortress | $25.00 | $25.00 | 8/10/2010 3:14:08 PM |
| jbaum | $25.00 | $25.00 | 8/10/2010 3:14:41 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/10/2010 3:14:54 PM |
| jigsaw | $100.00 | $100.00 | 8/10/2010 3:14:33 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/10/2010 3:15:00 PM |
| socrates520 | $50.00 | $50.00 | 8/10/2010 3:18:16 PM |
| hitsman | $100.00 | $100.00 | 8/10/2010 3:18:45 PM |
| Bio-physicist | $25.00 | $25.00 | 8/10/2010 3:18:28 PM |
| larrybird | $100.00 | $100.00 | 8/10/2010 3:19:12 PM |
| GElender | $50.00 | $50.00 | 8/10/2010 3:20:24 PM |
| wonderful-revenue0 | $25.00 | $25.00 | 8/10/2010 3:21:21 PM |
| leeball | $50.00 | $50.00 | 8/10/2010 3:17:21 PM |
| Wellman | $100.00 | $100.00 | 8/10/2010 3:17:39 PM |
| lendingstar | $25.00 | $25.00 | 8/10/2010 8:12:47 PM |
| chicco | $56.03 | $56.03 | 8/11/2010 7:02:31 AM |
| Ocean713 | $50.00 | $50.00 | 8/11/2010 7:38:19 AM |
| dcap3 | $100.00 | $100.00 | 8/11/2010 7:23:51 AM |
| money-boots2 | $25.00 | $25.00 | 8/11/2010 9:33:26 AM |
| BeanCownter | $86.45 | $86.45 | 8/11/2010 10:38:16 AM |
| tedi-tif | $50.00 | $50.00 | 8/11/2010 12:02:29 PM |
| Picopie | $50.00 | $50.00 | 8/11/2010 12:38:24 PM |
| Homeinvest | $25.00 | $25.00 | 8/11/2010 2:02:34 PM |
| 52digital | $25.00 | $25.00 | 8/11/2010 12:42:39 PM |
| RICHMONDREB | $25.00 | $25.00 | 8/11/2010 4:09:19 PM |
| MARSTUN | $25.12 | $25.12 | 8/11/2010 7:17:36 PM |
| bayareainv | $50.00 | $50.00 | 8/11/2010 5:02:51 PM |
| greeninspirit | $25.00 | $25.00 | 8/11/2010 5:03:06 PM |
| wise-deal-panda | $50.00 | $50.00 | 8/12/2010 9:32:54 AM |
| treasure-bliss | $25.34 | $25.34 | 8/12/2010 9:37:42 AM |
| important-openness1 | $34.78 | $34.78 | 8/12/2010 10:23:56 AM |
| hard-working-loot | $25.00 | $25.00 | 8/12/2010 10:52:51 AM |
| IPlayOutsideTheBox | $25.00 | $25.00 | 8/12/2010 1:39:10 PM |
| AFFlyboy | $50.00 | $50.00 | 8/12/2010 11:38:01 AM |
| Lesburger | $25.00 | $25.00 | 8/12/2010 4:17:39 PM |
| bid-czar8 | $50.00 | $50.00 | 8/12/2010 7:12:38 PM |
| new-social-economist | $25.00 | $25.00 | 8/12/2010 5:02:36 PM |
| blue-useful-auction | $25.00 | $25.00 | 8/12/2010 9:04:41 PM |
| minista | $25.00 | $25.00 | 8/13/2010 4:36:59 AM |
| gustavholstopus32 | $25.00 | $25.00 | 8/12/2010 7:20:21 PM |
| next2 | $25.00 | $25.00 | 8/13/2010 10:06:10 AM |
| peso-colonel | $50.00 | $50.00 | 8/13/2010 4:47:23 PM |
| wild_carrot | $25.00 | $25.00 | 8/13/2010 4:58:23 PM |
| Tradesmanlender | $25.00 | $25.00 | 8/13/2010 4:58:59 PM |
| skuba | $25.00 | $25.00 | 8/13/2010 4:18:32 PM |
| TheBigLebowski | $25.00 | $25.00 | 8/13/2010 6:14:08 PM |
| entertaining-credit3 | $25.00 | $25.00 | 8/13/2010 6:13:09 PM |
| gustavholstopus32 | $25.00 | $25.00 | 8/13/2010 6:29:47 PM |
| Middleschoolmathteacher | $25.00 | $25.00 | 8/14/2010 7:01:16 AM |
| life-is-great | $50.00 | $50.00 | 8/14/2010 12:27:04 AM |
| leverage-symphony | $25.00 | $25.00 | 8/14/2010 11:17:44 AM |
| truth-trapper | $25.00 | $25.00 | 8/15/2010 9:57:23 AM |
| hope-hickory | $50.00 | $50.00 | 8/15/2010 10:02:42 AM |
| 121 bids
|
Borrower Payment Dependent Notes Series
470742
This series of Notes was issued and sold upon the funding of the borrower loan #44007, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Aug-10-2010 |
| |
Auction end date:
| Aug-17-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 40.68% |
Starting monthly payment:
| $44.87 |
|
Final lender yield:
| 25.00% |
Final borrower rate/APR:
| 26.00% / 32.01% |
Final monthly payment:
| $40.29 |
| |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.33% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.67% | | |
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 score (1-10):
| 6 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
6 | Length of status: | 17y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $5,725 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| camaraderi-web |
Borrower's state:
| Nebraska |
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
My personal loan
Purpose of loan:
This loan will be used to?
pay upcoming medical and eye doctor appointments and hopefully fix my utility building.
My financial situation:
I am a good candidate for this loan because?
Although I have had a bit of a downside in the past, I am paying all bills and on time and feel I am more responsible than before.
Monthly net income: $
1.480.00
Monthly expenses: $
??Housing: $
175
??Insurance: $
46.00
??Car expenses: $
35.00
??Utilities: $
160.00-gas and electric
??Phone, cable, internet: $
160.00
??Food, entertainment: $
100.00
??Clothing, household expenses $
100.00
??Credit cards and other loans: $
200.00
??Other expenses: $
240.00 land lease/trash/water/sewer
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:
Why did you withdrew your last bid for a loan when it was fully funded? - hektek22
A:
Thank You for your question. I was hoping the Interest Rate would come down more than it did and I thought that lowering my loan asking amount down the payment per month would be lower and more manageable. That is why I withdrew the other loan listing.
(Aug-11-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| transaction-circuit | $25.00 | $25.00 | 8/10/2010 2:56:57 PM |
| durable-economy2 | $50.00 | $50.00 | 8/12/2010 1:02:42 PM |
| interstellar | $50.00 | $50.00 | 8/13/2010 12:48:18 PM |
| exchange-cowbell5 | $25.00 | $25.00 | 8/13/2010 10:24:09 AM |
| FASTIZIO_P | $25.00 | $1.69 | 8/16/2010 3:32:49 PM |
| Tlrdlrrnch | $25.00 | $25.00 | 8/16/2010 3:51:03 PM |
| Leshan | $33.33 | $33.33 | 8/16/2010 8:19:31 PM |
| hektek22 | $300.00 | $300.00 | 8/17/2010 1:12:26 PM |
| capital-kingdom | $25.00 | $25.00 | 8/17/2010 2:33:26 PM |
| Starfin-Capital-Management | $300.00 | $300.00 | 8/17/2010 2:30:09 PM |
| paceme1 | $39.99 | $39.99 | 8/16/2010 10:29:53 AM |
| paceme1 | $39.99 | $39.99 | 8/16/2010 9:15:27 PM |
| partyplan | $35.00 | $35.00 | 8/17/2010 1:27:34 PM |
| Isotope | $25.00 | $25.00 | 8/17/2010 2:07:55 PM |
| blue-useful-auction | $25.00 | $25.00 | 8/17/2010 2:45:33 PM |
| 15 bids
|
Borrower Payment Dependent Notes Series
470770
This series of Notes was issued and sold upon the funding of the borrower loan #44021, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Aug-10-2010 |
| |
Auction end date:
| Aug-17-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $416.87 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $416.87 |
| |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| May-1989 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,560 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| commerce-gazer2 |
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
Cut up the cards and live w/cash
Purpose of loan:
This loan will be used to pay off credit card and take one week of vacation. ?
My financial situation:
I am a good candidate for this loan because I do pay my bills; I just can't get over the hump of the huge APR.
Monthly net income: $
Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 169
??Car expenses: $
??Utilities: $ 70
??Phone, cable, internet: $ 120
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Weaverville | $25.00 | $25.00 | 8/10/2010 2:49:53 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/10/2010 3:14:50 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/10/2010 3:15:06 PM |
| leeball | $50.00 | $50.00 | 8/10/2010 3:17:24 PM |
| objective-investor | $100.00 | $100.00 | 8/10/2010 3:17:58 PM |
| socrates520 | $50.00 | $50.00 | 8/10/2010 3:18:18 PM |
| lendstats_com | $25.00 | $25.00 | 8/10/2010 3:18:37 PM |
| fishintime | $25.00 | $25.00 | 8/10/2010 3:19:21 PM |
| GElender | $50.00 | $50.00 | 8/10/2010 3:20:26 PM |
| enthralling-deal180 | $36.81 | $36.81 | 8/10/2010 3:20:51 PM |
| wonderful-revenue0 | $25.00 | $25.00 | 8/10/2010 3:21:22 PM |
| LenderDan | $50.00 | $50.00 | 8/10/2010 3:15:32 PM |
| paymentologist | $25.00 | $25.00 | 8/10/2010 3:17:06 PM |
| SDNLR | $25.00 | $25.00 | 8/10/2010 3:33:15 PM |
| Wellman | $100.00 | $100.00 | 8/10/2010 3:17:40 PM |
| cathexis | $50.00 | $50.00 | 8/10/2010 3:19:50 PM |
| Untiedshu | $45.00 | $45.00 | 8/10/2010 4:45:04 PM |
| brother_tam | $50.00 | $50.00 | 8/10/2010 5:12:45 PM |
| bountiful-durability | $96.48 | $96.48 | 8/10/2010 5:02:28 PM |
| blagosboy | $40.00 | $40.00 | 8/10/2010 7:32:47 PM |
| greeninspirit | $25.00 | $25.00 | 8/10/2010 3:40:48 PM |
| Investoman | $36.78 | $36.78 | 8/10/2010 3:43:01 PM |
| BzJ108 | $25.00 | $25.00 | 8/11/2010 12:02:49 AM |
| ClearCut | $50.00 | $50.00 | 8/10/2010 8:56:47 PM |
| Ocean713 | $50.00 | $50.00 | 8/11/2010 7:38:17 AM |
| logical-moola4 | $50.00 | $50.00 | 8/11/2010 8:22:35 AM |
| triumph329 | $25.00 | $25.00 | 8/11/2010 7:02:35 AM |
| blue-useful-auction | $25.00 | $25.00 | 8/11/2010 7:51:09 AM |
| bullincage | $25.00 | $25.00 | 8/11/2010 8:40:09 AM |
| best-deal-banker | $25.00 | $25.00 | 8/11/2010 12:36:05 PM |
| dorfinia | $50.00 | $50.00 | 8/11/2010 12:20:44 PM |
| flexible-vigilance7 | $25.00 | $25.00 | 8/11/2010 11:52:13 AM |
| ddog0224 | $25.00 | $25.00 | 8/11/2010 2:18:59 PM |
| Homeinvest | $25.00 | $25.00 | 8/11/2010 2:02:32 PM |
| Krozy | $25.00 | $25.00 | 8/11/2010 5:03:21 PM |
| abnvette | $25.00 | $25.00 | 8/11/2010 6:41:06 PM |
| E_G | $50.00 | $50.00 | 8/11/2010 5:03:27 PM |
| boater01 | $47.33 | $47.33 | 8/11/2010 9:04:23 PM |
| resource777 | $30.76 | $30.76 | 8/12/2010 6:22:28 AM |
| cablenews | $49.61 | $49.61 | 8/12/2010 7:17:48 AM |
| wise-deal-panda | $50.00 | $50.00 | 8/12/2010 9:32:56 AM |
| ptjg | $25.00 | $25.00 | 8/12/2010 7:58:40 AM |
| important-openness1 | $25.00 | $25.00 | 8/12/2010 10:54:10 AM |
| SimpleChoice | $25.00 | $25.00 | 8/12/2010 11:37:36 AM |
| basis-mammal | $25.50 | $25.50 | 8/12/2010 11:44:29 AM |
| ryan23 | $25.00 | $25.00 | 8/12/2010 10:40:29 AM |
| diverse2 | $35.00 | $35.00 | 8/12/2010 2:37:34 PM |
| hard-working-loot | $25.00 | $25.00 | 8/12/2010 10:52:50 AM |
| calkidd05 | $25.00 | $25.00 | 8/12/2010 10:54:41 AM |
| IPlayOutsideTheBox | $25.00 | $25.00 | 8/12/2010 1:47:31 PM |
| top-courteous-peso | $50.00 | $50.00 | 8/12/2010 11:08:52 AM |
| buddy486 | $25.00 | $25.00 | 8/12/2010 11:47:38 AM |
| generosity-giraffe0 | $25.00 | $25.00 | 8/12/2010 12:27:37 PM |
| samaritan5 | $50.00 | $50.00 | 8/12/2010 4:20:20 PM |
| Picopie | $50.00 | $50.00 | 8/12/2010 6:35:23 PM |
| JustMee | $25.00 | $25.00 | 8/12/2010 5:00:23 PM |
| Live-Free-or-Die | $100.00 | $100.00 | 8/13/2010 5:51:40 AM |
| flexible-integrity7 | $50.00 | $50.00 | 8/12/2010 9:16:06 PM |
| enthralling-investment | $45.00 | $45.00 | 8/13/2010 9:44:55 AM |
| blackstar | $25.00 | $25.00 | 8/13/2010 4:34:17 AM |
| helpishere777 | $25.00 | $25.00 | 8/13/2010 12:07:12 PM |
| next2 | $25.00 | $25.00 | 8/13/2010 10:06:12 AM |
| revenue-shepherd | $25.00 | $25.00 | 8/13/2010 8:49:24 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 8/13/2010 9:32:51 AM |
| red-power-pecan | $50.00 | $50.00 | 8/13/2010 9:33:40 AM |
| HawaiianHelper | $50.00 | $50.00 | 8/13/2010 9:41:29 AM |
| timepassport | $50.00 | $50.00 | 8/13/2010 2:47:23 PM |
| MARSTUN | $50.00 | $50.00 | 8/13/2010 1:27:50 PM |
| debtcollector | $100.00 | $100.00 | 8/13/2010 1:59:41 PM |
| skuba | $25.00 | $25.00 | 8/13/2010 9:26:41 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/13/2010 3:16:24 PM |
| bombay56 | $50.00 | $50.00 | 8/13/2010 3:46:44 PM |
| stepthirteen | $57.41 | $57.41 | 8/13/2010 7:00:54 PM |
| flexible-duty3 | $25.00 | $25.00 | 8/13/2010 5:42:34 PM |
| heerzaquestion | $25.00 | $25.00 | 8/14/2010 5:32:13 AM |
| well-rounded-dinero | $50.00 | $50.00 | 8/14/2010 6:18:17 AM |
| Kaj | $50.00 | $50.00 | 8/14/2010 11:27:39 AM |
| gumbit | $53.00 | $53.00 | 8/14/2010 10:28:02 PM |
| schpere | $25.00 | $25.00 | 8/14/2010 3:08:19 PM |
| laufer32304 | $50.00 | $50.00 | 8/15/2010 3:17:42 AM |
| Investoman | $250.00 | $250.00 | 8/15/2010 5:33:45 AM |
| principal-bull | $25.00 | $25.00 | 8/15/2010 5:53:51 AM |
| hope-hickory | $50.00 | $50.00 | 8/15/2010 9:47:45 AM |
| fcukciti | $50.00 | $50.00 | 8/15/2010 8:18:04 AM |
| friendly-market5 | $39.78 | $39.78 | 8/15/2010 1:47:09 PM |
| SC2TX | $100.00 | $100.00 | 8/15/2010 6:50:27 PM |
| intuitive-bill | $25.00 | $25.00 | 8/15/2010 7:44:27 PM |
| Macinvest | $25.00 | $25.00 | 8/15/2010 5:38:43 PM |
| mmckune | $25.00 | $25.00 | 8/15/2010 1:27:22 PM |
| James_and_Tracy | $25.00 | $25.00 | 8/15/2010 9:48:22 PM |
| tender-gold | $50.00 | $50.00 | 8/15/2010 10:38:21 PM |
| ecila625 | $25.00 | $25.00 | 8/15/2010 10:53:20 PM |
| PRGuyinVA | $50.00 | $50.00 | 8/15/2010 11:02:10 PM |
| fireboss | $39.57 | $39.57 | 8/15/2010 11:11:57 PM |
| Lender75 | $36.70 | $36.70 | 8/16/2010 12:23:13 AM |
| -Tuxedo- | $25.00 | $25.00 | 8/16/2010 6:03:54 AM |
| nolahelper | $25.00 | $25.00 | 8/16/2010 6:21:00 AM |
| Marathoner | $26.88 | $26.88 | 8/15/2010 9:51:57 PM |
| hrubinst | $25.00 | $25.00 | 8/16/2010 6:38:47 AM |
| kokopuff | $25.00 | $25.00 | 8/15/2010 10:41:59 PM |
| green-diverse-kindness | $50.00 | $50.00 | 8/16/2010 12:35:52 AM |
| mstebnicki | $50.00 | $50.00 | 8/16/2010 4:23:45 AM |
| sunprints | $25.00 | $25.00 | 8/16/2010 4:47:25 AM |
| ethicalhumanist | $25.00 | $25.00 | 8/15/2010 7:35:32 PM |
| MBIntl | $25.00 | $25.00 | 8/16/2010 6:03:56 AM |
| scratch4you | $25.00 | $25.00 | 8/16/2010 8:50:50 AM |
| historic-nickel | $25.00 | $25.00 | 8/16/2010 6:32:02 AM |
| brazilofmux | $25.00 | $25.00 | 8/15/2010 8:52:07 PM |
| divedude | $25.00 | $25.00 | 8/16/2010 7:17:26 AM |
| rulender | $31.17 | $31.17 | 8/16/2010 7:17:29 AM |
| dcmotorcyclemayhem | $28.86 | $28.86 | 8/16/2010 7:50:02 AM |
| beachbum22 | $25.00 | $25.00 | 8/16/2010 7:57:15 AM |
| bigdogsafety1 | $25.00 | $25.00 | 8/15/2010 9:38:30 PM |
| disclaimer777cc | $25.00 | $25.00 | 8/16/2010 12:23:18 AM |
| mbraslav | $25.00 | $25.00 | 8/16/2010 3:27:12 AM |
| Kmac_Lending | $25.00 | $25.00 | 8/16/2010 8:32:10 AM |
| eastcoastlending | $25.00 | $25.00 | 8/16/2010 8:32:19 AM |
| wwwUniversal | $25.00 | $25.00 | 8/16/2010 10:44:13 AM |
| biofred | $25.00 | $25.00 | 8/16/2010 2:42:57 PM |
| MattProsper | $60.00 | $60.00 | 8/16/2010 2:48:53 PM |
| lucky2 | $25.00 | $25.00 | 8/16/2010 3:49:23 PM |
| Gambino | $50.00 | $50.00 | 8/16/2010 8:17:23 PM |
| Book-Mark | $25.00 | $25.00 | 8/16/2010 9:30:49 PM |
| rbotterbLLC | $25.00 | $25.00 | 8/16/2010 3:59:44 PM |
| credit-panda1 | $25.00 | $25.00 | 8/16/2010 4:20:34 PM |
| tomdooley12520 | $50.00 | $50.00 | 8/17/2010 8:51:15 AM |
| tomdooley12520 | $25.00 | $25.00 | 8/17/2010 8:49:13 AM |
| mgking007 | $25.00 | $25.00 | 8/17/2010 10:21:35 AM |
| bughead | $25.00 | $25.00 | 8/17/2010 10:27:59 AM |
| lendstats_com | $75.00 | $75.00 | 8/17/2010 7:19:38 AM |
| twerns | $40.00 | $40.00 | 8/17/2010 8:11:27 AM |
| happy-loyalty | $25.00 | $25.00 | 8/17/2010 12:10:46 PM |
| dollardave | $35.92 | $35.92 | 8/17/2010 1:26:23 PM |
| schnarff | $25.00 | $25.00 | 8/17/2010 1:03:08 PM |
| principal-prodigy | $25.00 | $25.00 | 8/17/2010 2:18:08 PM |
| Bob450 | $25.00 | $25.00 | 8/17/2010 2:31:28 PM |
| attractive-fund | $50.00 | $50.00 | 8/17/2010 1:40:01 PM |
| ray1051 | $25.00 | $25.00 | 8/10/2010 2:52:20 PM |
| Artist_Blue | $25.00 | $25.00 | 8/10/2010 2:51:46 PM |
| simplelender80 | $250.00 | $250.00 | 8/10/2010 2:52:56 PM |
| richboy56 | $50.00 | $50.00 | 8/10/2010 2:55:22 PM |
| income-fortress | $25.00 | $25.00 | 8/10/2010 3:14:11 PM |
| jbaum | $25.00 | $25.00 | 8/10/2010 3:14:39 PM |
| xstreamin | $25.00 | $25.00 | 8/10/2010 3:14:18 PM |
| Goodlender42 | $25.00 | $25.00 | 8/10/2010 3:17:11 PM |
| ichibon | $100.00 | $100.00 | 8/10/2010 3:18:06 PM |
| rescue | $50.00 | $50.00 | 8/10/2010 3:17:29 PM |
| hitsman | $100.00 | $100.00 | 8/10/2010 3:18:47 PM |
| Bio-physicist | $25.00 | $25.00 | 8/10/2010 3:18:30 PM |
| larrybird | $100.00 | $100.00 | 8/10/2010 3:19:14 PM |
| Bookophile | $100.00 | $100.00 | 8/10/2010 3:20:00 PM |
| Supernick | $50.00 | $50.00 | 8/10/2010 3:19:56 PM |
| tech310 | $100.00 | $100.00 | 8/10/2010 2:55:09 PM |
| jigsaw | $100.00 | $100.00 | 8/10/2010 3:14:29 PM |
| treasure-bliss | $95.87 | $95.87 | 8/10/2010 3:33:57 PM |
| spaceman1645 | $100.00 | $100.00 | 8/10/2010 3:20:09 PM |
| lendingstar | $25.00 | $25.00 | 8/10/2010 8:12:46 PM |
| Panna | $25.00 | $25.00 | 8/11/2010 12:50:48 AM |
| picasso30 | $104.35 | $104.35 | 8/10/2010 6:14:50 PM |
| inspired-investment8 | $100.00 | $100.00 | 8/10/2010 10:18:04 PM |
| airb0rne | $25.00 | $25.00 | 8/11/2010 4:12:28 AM |
| dcap3 | $100.00 | $100.00 | 8/11/2010 7:23:52 AM |
| tyler12tig | $55.11 | $55.11 | 8/11/2010 7:23:37 AM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:38:58 AM |
| chicco | $25.00 | $25.00 | 8/11/2010 7:32:41 AM |
| money-boots2 | $25.00 | $25.00 | 8/11/2010 9:33:25 AM |
| kegs | $150.00 | $150.00 | 8/11/2010 10:08:03 AM |
| tranquil-return4 | $25.00 | $25.00 | 8/11/2010 10:57:33 AM |
| saysana | $25.00 | $25.00 | 8/11/2010 1:48:24 PM |
| RICHMONDREB | $25.00 | $25.00 | 8/11/2010 4:09:17 PM |
| br4444 | $25.00 | $25.00 | 8/11/2010 3:37:32 PM |
| BlackFred | $25.00 | $25.00 | 8/11/2010 5:32:33 PM |
| BeanCownter | $34.74 | $34.74 | 8/11/2010 5:08:28 PM |
| 52digital | $25.00 | $25.00 | 8/11/2010 7:51:25 PM |
| Frugal | $25.00 | $25.00 | 8/11/2010 9:24:44 PM |
| lloyd_s | $25.00 | $25.00 | 8/11/2010 9:08:29 PM |
| orange-preeminant-bill | $42.19 | $42.19 | 8/11/2010 9:21:34 PM |
| flexible-vigilance7 | $25.00 | $25.00 | 8/12/2010 7:38:36 AM |
| Contour | $50.00 | $50.00 | 8/12/2010 9:46:06 AM |
| loan-master996 | $50.00 | $50.00 | 8/12/2010 9:52:32 AM |
| sammyhammy | $25.00 | $25.00 | 8/12/2010 10:48:51 AM |
| psztnrw | $50.00 | $50.00 | 8/12/2010 9:45:25 AM |
| JeffHoll | $25.00 | $25.00 | 8/12/2010 8:16:11 AM |
| Interstate_Rate | $500.00 | $500.00 | 8/12/2010 9:45:43 AM |
| AFFlyboy | $50.00 | $50.00 | 8/12/2010 11:38:02 AM |
| wdworld | $70.94 | $70.94 | 8/12/2010 12:33:45 PM |
| srilm | $25.00 | $25.00 | 8/12/2010 10:57:38 AM |
| compassion-lotus5 | $25.00 | $25.00 | 8/12/2010 1:13:06 PM |
| sensible-trade | $64.22 | $64.22 | 8/12/2010 10:58:18 AM |
| bid-carrier0 | $25.00 | $25.00 | 8/12/2010 3:49:31 PM |
| Lesburger | $25.00 | $25.00 | 8/12/2010 4:17:40 PM |
| riproaringrapids | $25.00 | $25.00 | 8/12/2010 8:07:32 PM |
| Jumbojack | $50.00 | $50.00 | 8/12/2010 4:17:59 PM |
| new-social-economist | $25.00 | $25.00 | 8/12/2010 5:02:35 PM |
| bid-czar8 | $50.00 | $50.00 | 8/12/2010 7:12:41 PM |
| platinum-rapture6 | $25.00 | $25.00 | 8/12/2010 6:17:54 PM |
| sadls | $25.00 | $25.00 | 8/12/2010 9:58:27 PM |
| economy-youngster | $25.00 | $25.00 | 8/12/2010 9:24:15 PM |
| Sol_Invictus | $25.00 | $25.00 | 8/13/2010 5:56:24 AM |
| earlybird172961 | $64.06 | $64.06 | 8/13/2010 8:21:28 AM |
| Clambake | $50.00 | $50.00 | 8/13/2010 8:37:35 AM |
| Cherrypicker | $50.00 | $50.00 | 8/13/2010 11:31:22 AM |
| buckeyebucks | $50.00 | $50.00 | 8/13/2010 12:03:45 PM |
| credit-kahuna | $50.00 | $50.00 | 8/13/2010 1:39:59 PM |
| maltma | $25.00 | $25.00 | 8/13/2010 11:42:31 AM |
| justinology | $30.00 | $30.00 | 8/13/2010 1:02:46 PM |
| Bank42 | $50.00 | $50.00 | 8/13/2010 5:57:23 PM |
| 0600Zulu | $50.00 | $50.00 | 8/13/2010 4:16:49 PM |
| peso-colonel | $50.00 | $50.00 | 8/13/2010 4:47:24 PM |
| psonicl | $100.00 | $100.00 | 8/13/2010 3:07:39 PM |
| unforgettable-order9 | $50.00 | $50.00 | 8/13/2010 8:06:54 PM |
| totoro | $25.00 | $25.00 | 8/13/2010 9:15:01 PM |
| anton | $68.46 | $68.46 | 8/13/2010 9:02:15 PM |
| siesta100 | $25.00 | $25.00 | 8/14/2010 7:44:32 AM |
| egw | $25.00 | $25.00 | 8/14/2010 12:59:16 PM |
| Passionate_Nurse | $25.00 | $25.00 | 8/14/2010 2:56:45 PM |
| sdloanhelper | $25.00 | $25.00 | 8/14/2010 2:37:11 PM |
| jsmith1450 | $100.00 | $100.00 | 8/14/2010 4:22:32 PM |
| oaktown23 | $50.00 | $50.00 | 8/14/2010 11:57:35 PM |
| honorable-yield | $50.00 | $50.00 | 8/14/2010 8:53:34 PM |
| mickw2000 | $31.03 | $31.03 | 8/14/2010 8:59:38 PM |
| mmczech76 | $50.00 | $50.00 | 8/14/2010 10:04:07 PM |
| Aseop | $25.00 | $25.00 | 8/15/2010 9:30:16 AM |
| adir1 | $50.00 | $50.00 | 8/15/2010 11:37:14 AM |
| CERTIFIED | $100.00 | $100.00 | 8/15/2010 9:37:41 AM |
| rustysailor | $30.00 | $30.00 | 8/14/2010 10:29:04 PM |
| ps2roy | $50.00 | $50.00 | 8/15/2010 11:12:07 AM |
| CapStack | $50.00 | $50.00 | 8/15/2010 1:42:07 PM |
| julijask | $35.00 | $35.00 | 8/15/2010 8:17:56 AM |
| Cai8899 | $43.44 | $43.44 | 8/15/2010 3:27:12 PM |
| econman1 | $50.00 | $50.00 | 8/15/2010 8:03:44 PM |
| discrete-truth7 | $50.00 | $50.00 | 8/15/2010 12:31:56 PM |
| 777jean | $50.00 | $50.00 | 8/16/2010 12:07:16 AM |
| blackballplayer | $25.00 | $25.00 | 8/16/2010 4:52:46 AM |
| smart-leverage7 | $30.00 | $30.00 | 8/15/2010 9:22:22 PM |
| nalaari | $25.00 | $25.00 | 8/16/2010 6:03:44 AM |
| wise-silver-wonder | $25.00 | $25.00 | 8/16/2010 6:04:00 AM |
| teejay411 | $46.78 | $46.78 | 8/16/2010 6:57:09 AM |
| jblack01 | $25.00 | $25.00 | 8/16/2010 7:08:55 AM |
| zebra7 | $25.00 | $25.00 | 8/15/2010 6:37:41 PM |
| Hexnut | $25.00 | $25.00 | 8/16/2010 8:07:07 AM |
| rockhound84 | $25.00 | $25.00 | 8/16/2010 4:59:13 AM |
| jpinversor | $47.40 | $47.40 | 8/16/2010 5:07:04 AM |
| income8 | $40.57 | $40.57 | 8/16/2010 6:18:01 AM |
| gracej | $25.00 | $25.00 | 8/16/2010 7:09:19 AM |
| overflowinglife | $25.00 | $25.00 | 8/16/2010 7:17:25 AM |
| yield-seeker | $25.00 | $25.00 | 8/16/2010 7:17:28 AM |
| Dweeberkitty1 | $25.00 | $25.00 | 8/16/2010 7:50:05 AM |
| magchi984 | $25.00 | $25.00 | 8/15/2010 9:08:18 PM |
| 108lender | $25.00 | $25.00 | 8/15/2010 9:32:09 PM |
| VIGSY | $25.00 | $25.00 | 8/16/2010 8:30:49 AM |
| don8ter | $25.00 | $25.00 | 8/16/2010 6:38:51 AM |
| nickel-synapse | $25.00 | $25.00 | 8/16/2010 7:08:54 AM |
| Mojo1 | $25.00 | $25.00 | 8/16/2010 11:13:37 AM |
| Saleen06 | $50.00 | $35.28 | 8/16/2010 8:44:46 AM |
| revenue-sapling | $50.00 | $50.00 | 8/16/2010 11:55:24 AM |
| balance-chestnut | $50.00 | $50.00 | 8/16/2010 12:30:04 PM |
| Peterman | $50.00 | $50.00 | 8/16/2010 1:13:55 PM |
| ultimate-dough0 | $25.00 | $25.00 | 8/16/2010 3:52:16 PM |
| one-midas | $25.00 | $25.00 | 8/16/2010 4:47:38 PM |
| Ambassador | $47.00 | $47.00 | 8/16/2010 6:38:45 PM |
| lucrative-coin | $50.00 | $50.00 | 8/16/2010 7:00:06 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/16/2010 7:35:00 PM |
| blue-relay | $25.00 | $25.00 | 8/16/2010 7:42:00 PM |
| sturdy-velocity6 | $25.00 | $25.00 | 8/17/2010 7:49:29 AM |
| trustworthy-finance6 | $100.00 | $100.00 | 8/17/2010 8:06:30 AM |
| vannabanana | $25.00 | $25.00 | 8/17/2010 7:40:16 AM |
| hope-lionheart1 | $29.00 | $29.00 | 8/16/2010 9:39:18 PM |
| JTRADER056 | $42.00 | $42.00 | 8/17/2010 10:36:01 AM |
| rockhound84 | $25.00 | $25.00 | 8/17/2010 11:13:15 AM |
| sturdy-velocity6 | $25.00 | $25.00 | 8/17/2010 7:45:19 AM |
| charliecubs | $25.00 | $25.00 | 8/17/2010 8:29:53 AM |
| AM2171 | $25.00 | $25.00 | 8/17/2010 12:52:54 PM |
| bxdoc | $50.00 | $50.00 | 8/17/2010 1:00:18 PM |
| leverage-monger | $25.00 | $25.00 | 8/17/2010 2:32:11 PM |
| mistering | $50.00 | $50.00 | 8/17/2010 2:39:22 PM |
| 276 bids
|
Borrower Payment Dependent Notes Series
470874
This series of Notes was issued and sold upon the funding of the borrower loan #44004, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,100.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Aug-11-2010 |
| |
Auction end date:
| Aug-18-2010 |
|
|
Starting lender yield:
| 12.65% |
Starting borrower rate/APR:
| 13.65% / 18.68% |
Starting monthly payment:
| $37.41 |
|
Final lender yield:
| 8.25% |
Final borrower rate/APR:
| 9.25% / 14.15% |
Final monthly payment:
| $35.11 |
| |
|
Auction yield range:
| 5.89% - 12.65% |
Estimated loss impact:
| 5.07% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.18% | | |
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 score (1-10):
| 8 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
5 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,307 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| exuberant-hope |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $2,300.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2009)
|
|
Principal balance:
| $1,793.30 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Paying off credit card!
Purpose of loan:
This loan will be used to?payoff a credit card faster with a better rate.
My financial situation:
I am a good candidate for this loan because?I have a solid job history and working in an industry that's recovering quickly in the current ecomony (manufacturing); this will also be my 2nd Prosper loan (never late on my 1st loan).? My expenses are low; housing and utilities are covered my by fiancee.
Monthly net income: $1600.00
Monthly expenses: $ 1400.00
??Housing: $ n/a
??Insurance: $ n/a
??Car expenses: $ 600.00 (pymt and gas)?
??Utilities: $ n/a
??Phone, cable, internet: $80.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $75.00
?Credit cards and other loans: $?295.00
??Other expenses: $ 50.00 savings
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 balance and current interest rate you are paying on this debt? - jpblan11
A:
interest rate is 17.24(v); current balance is $1085.00.
(Aug-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| USNavyVet | $25.00 | $25.00 | 8/12/2010 6:32:48 AM |
| marwadi-62 | $100.00 | $100.00 | 8/14/2010 6:22:58 PM |
| ilikeboats | $100.00 | $100.00 | 8/16/2010 8:05:14 PM |
| Sorya | $25.00 | $25.00 | 8/16/2010 6:32:20 PM |
| 420limo | $58.15 | $58.15 | 8/17/2010 10:31:21 PM |
| sunnygee | $25.00 | $25.00 | 8/18/2010 6:21:11 AM |
| Johnab | $25.00 | $25.00 | 8/18/2010 12:27:04 AM |
| KSPHoldings | $25.00 | $25.00 | 8/18/2010 4:54:45 AM |
| bondhedger | $25.00 | $25.00 | 8/18/2010 10:54:52 AM |
| Lender0307 | $25.00 | $25.00 | 8/18/2010 9:07:57 AM |
| adventure0 | $50.00 | $50.00 | 8/18/2010 1:53:44 PM |
| peb44 | $25.00 | $25.00 | 8/18/2010 10:24:13 AM |
| VIPBank | $40.00 | $40.00 | 8/18/2010 2:19:53 PM |
| rome1426 | $25.00 | $25.00 | 8/12/2010 1:00:41 PM |
| sweety075 | $25.00 | $25.00 | 8/14/2010 2:42:35 PM |
| RandyL3 | $39.00 | $39.00 | 8/16/2010 7:08:44 PM |
| dproxima | $25.00 | $25.00 | 8/17/2010 4:53:42 PM |
| DalCowboys | $25.00 | $25.00 | 8/17/2010 5:50:48 PM |
| wild-orange | $50.00 | $50.00 | 8/18/2010 1:51:11 AM |
| Cliffie83 | $28.94 | $28.94 | 8/17/2010 7:46:46 PM |
| Phatt-Daddy | $25.00 | $25.00 | 8/18/2010 6:12:21 AM |
| db0973 | $25.00 | $25.00 | 8/18/2010 6:37:04 AM |
| HomerdohNY | $25.00 | $25.00 | 8/18/2010 7:01:55 AM |
| Earn_money | $25.83 | $25.83 | 8/18/2010 7:17:52 AM |
| martymaniaman | $25.00 | $25.00 | 8/18/2010 7:44:55 AM |
| kazanov | $50.00 | $50.00 | 8/18/2010 9:00:04 AM |
| jsnryn | $25.00 | $25.00 | 8/18/2010 8:15:23 AM |
| 2BorNot2B | $25.00 | $25.00 | 8/18/2010 9:12:42 AM |
| friendinmoney | $50.00 | $50.00 | 8/18/2010 2:20:29 PM |
| noble-marketplace | $25.00 | $8.03 | 8/18/2010 2:17:36 PM |
| RecoveryLender | $25.05 | $25.05 | 8/18/2010 2:19:33 PM |
| jcw3rd | $25.00 | $25.00 | 8/18/2010 2:11:02 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
471170
This series of Notes was issued and sold upon the funding of the borrower loan #44006, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Aug-12-2010 |
| |
Auction end date:
| Aug-16-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.49% |
Starting monthly payment:
| $67.30 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.49% |
Final monthly payment:
| $67.30 |
| |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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 score (1-10):
| 5 |
First credit line:
| Mar-1997 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $521 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| trade-jubilee6 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Boosting
Purpose of loan:
My financial situation: is not bad but I need some extra money.
I am a good candidate for this loan because I know I will pay my payments on time.
Monthly net income: $ 900
Monthly expenses: $ 400
??Housing: $0
??Insurance: $200
??Car expenses: $50
??Utilities: $0
??Phone, cable, internet: $100
??Food, entertainment: $50
??Clothing, household expenses $
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 8/12/2010 3:20:48 PM |
| transaction-circuit | $25.00 | $25.00 | 8/12/2010 3:22:31 PM |
| personal-lender | $25.00 | $25.00 | 8/12/2010 3:25:12 PM |
| top-courteous-peso | $25.00 | $25.00 | 8/12/2010 3:22:37 PM |
| PCash | $25.00 | $25.00 | 8/12/2010 3:18:52 PM |
| jleng | $25.00 | $25.00 | 8/12/2010 3:18:54 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/12/2010 3:28:38 PM |
| reward-adventure | $30.00 | $30.00 | 8/12/2010 3:24:36 PM |
| patriot897 | $25.00 | $25.00 | 8/12/2010 3:34:42 PM |
| cablenews | $25.00 | $25.00 | 8/12/2010 3:50:59 PM |
| loan4teacher | $25.00 | $25.00 | 8/12/2010 3:59:09 PM |
| reflective-rupee | $25.00 | $25.00 | 8/12/2010 3:35:45 PM |
| worthy-bid8 | $25.00 | $25.00 | 8/12/2010 3:50:08 PM |
| Asian-Persuasion | $25.00 | $25.00 | 8/12/2010 9:26:51 PM |
| SolarMoonshine | $25.00 | $25.00 | 8/12/2010 6:37:36 PM |
| bid-czar8 | $50.00 | $50.00 | 8/12/2010 7:13:52 PM |
| birddogsb | $50.00 | $50.00 | 8/12/2010 7:58:01 PM |
| the-money-gargantuan | $25.00 | $25.00 | 8/13/2010 8:32:14 AM |
| skuba | $25.00 | $25.00 | 8/13/2010 10:22:15 AM |
| copper | $30.00 | $30.00 | 8/13/2010 2:09:46 PM |
| transaction-circuit | $50.00 | $50.00 | 8/13/2010 4:36:33 PM |
| bchen78875 | $25.00 | $25.00 | 8/13/2010 9:57:40 PM |
| kegs | $26.01 | $26.01 | 8/14/2010 9:57:06 AM |
| Wachocia | $25.00 | $25.00 | 8/15/2010 5:13:29 PM |
| balance-handshake7 | $25.00 | $25.00 | 8/12/2010 3:24:44 PM |
| zone8 | $50.00 | $50.00 | 8/12/2010 3:32:50 PM |
| Comoparklender | $40.00 | $40.00 | 8/12/2010 3:33:02 PM |
| important-openness1 | $100.00 | $100.00 | 8/12/2010 3:28:57 PM |
| WalnutCreekguy | $25.00 | $25.00 | 8/12/2010 3:34:48 PM |
| blue-useful-auction | $25.00 | $25.00 | 8/12/2010 9:09:08 PM |
| simplelender80 | $50.00 | $50.00 | 8/12/2010 9:27:50 PM |
| JustMee | $25.00 | $25.00 | 8/13/2010 5:41:03 AM |
| circuitfive | $25.00 | $25.00 | 8/13/2010 8:45:49 AM |
| seisen | $100.00 | $100.00 | 8/13/2010 2:08:31 PM |
| Diamond_Jim | $25.00 | $25.00 | 8/13/2010 12:49:35 PM |
| cashhelp | $25.00 | $25.00 | 8/14/2010 4:42:39 PM |
| RebuildALife | $25.00 | $23.99 | 8/14/2010 12:48:59 PM |
| econgineer | $25.00 | $25.00 | 8/14/2010 5:43:20 PM |
| Starfin-Capital-Management | $200.00 | $200.00 | 8/15/2010 5:07:52 PM |
| intuitive-bill | $25.00 | $25.00 | 8/15/2010 7:52:25 PM |
| Rogelio48 | $25.00 | $25.00 | 8/16/2010 11:09:12 AM |
| 41 bids
|
Borrower Payment Dependent Notes Series
466151
This series of Notes was issued and sold upon the funding of the borrower loan #44016, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% |
Auction start date:
| Aug-05-2010 |
| |
Auction end date:
| Aug-12-2010 |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $262.48 |
|
Final lender yield:
| 10.15% |
Final borrower rate/APR:
| 11.15% / 13.27% |
Final monthly payment:
| $262.48 |
| |
|
Auction yield range:
| 3.89% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 720-739 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $439 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| enthusiastic-transaction4 |
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
Moving Across the Country!
I am moving across the country to take a more lucrative job in New York City. I'm very excited, but I need some money to be able to move my things and put down the first and last months' rent and deposit down on my new apartment.
This loan will be used to pay for my flight, the packaging and shipment of my household items, and for my rent and deposit at my new apartment in New York City.
My financial situation is strong; I will be getting a 80% raise in my new job. I will use that increase in pay to pay down this loan, my student loans, and to increase my savings.
I am a good candidate for this loan because I've always paid all of my debts, and I've never been late on 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) |
|
| richboy56 | $50.00 | $50.00 | 8/5/2010 3:09:11 PM |
| Bio-physicist | $25.00 | $25.00 | 8/5/2010 3:10:10 PM |
| Artist_Blue | $25.00 | $25.00 | 8/5/2010 3:08:42 PM |
| ray1051 | $25.00 | $25.00 | 8/5/2010 3:09:42 PM |
| DcUnited | $25.00 | $25.00 | 8/5/2010 3:09:07 PM |
| xstreamin | $25.00 | $25.00 | 8/5/2010 3:14:02 PM |
| jbaum | $25.00 | $25.00 | 8/5/2010 3:14:20 PM |
| docktah | $50.00 | $50.00 | 8/5/2010 3:16:13 PM |
| Picopie | $50.00 | $50.00 | 8/5/2010 3:11:42 PM |
| j2ee | $25.00 | $25.00 | 8/5/2010 3:16:58 PM |
| ichibon | $100.00 | $100.00 | 8/5/2010 3:17:59 PM |
| leeball | $50.00 | $50.00 | 8/5/2010 3:16:41 PM |
| panther757 | $25.00 | $25.00 | 8/5/2010 3:18:37 PM |
| spaceman1645 | $100.00 | $100.00 | 8/5/2010 3:17:42 PM |
| jigsaw | $100.00 | $100.00 | 8/5/2010 3:14:08 PM |
| rdrloan | $50.00 | $50.00 | 8/5/2010 3:19:32 PM |
| bayareainv | $50.00 | $50.00 | 8/5/2010 3:19:36 PM |
| ddog0224 | $25.00 | $25.00 | 8/5/2010 3:18:21 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/5/2010 3:14:45 PM |
| riproaringrapids | $25.00 | $25.00 | 8/5/2010 3:21:03 PM |
| paymentologist | $25.00 | $25.00 | 8/5/2010 3:16:31 PM |
| Goodlender42 | $25.00 | $25.00 | 8/5/2010 3:16:38 PM |
| rescue | $50.00 | $50.00 | 8/5/2010 3:16:56 PM |
| socrates520 | $50.00 | $50.00 | 8/5/2010 3:18:52 PM |
| Favish | $50.00 | $50.00 | 8/5/2010 3:19:09 PM |
| cablenews | $50.00 | $50.00 | 8/5/2010 3:19:28 PM |
| bountiful-durability | $100.00 | $100.00 | 8/5/2010 5:32:50 PM |
| larrybird | $100.00 | $100.00 | 8/5/2010 6:27:55 PM |
| gochargers | $100.00 | $100.00 | 8/5/2010 6:52:52 PM |
| turbospeed | $25.00 | $25.00 | 8/6/2010 1:17:43 AM |
| the-profit-oracle | $25.00 | $25.00 | 8/5/2010 11:43:24 PM |
| wellsfrugal | $25.00 | $25.00 | 8/6/2010 1:02:34 AM |
| Blends | $25.00 | $25.00 | 8/6/2010 3:15:52 AM |
| mikrolown | $30.00 | $30.00 | 8/6/2010 7:28:52 AM |
| triumph329 | $25.00 | $25.00 | 8/6/2010 6:05:05 AM |
| Hogpilot | $25.00 | $25.00 | 8/6/2010 7:53:20 AM |
| djh47a | $25.00 | $25.00 | 8/6/2010 9:38:02 AM |
| cestesV | $50.00 | $50.00 | 8/6/2010 9:12:53 AM |
| friendly-credit2 | $50.00 | $50.00 | 8/6/2010 9:33:48 AM |
| gracej | $25.00 | $25.00 | 8/6/2010 9:52:49 AM |
| asset-vibraphone | $35.00 | $35.00 | 8/6/2010 11:40:02 AM |
| FirstLender | $25.00 | $25.00 | 8/6/2010 10:48:08 AM |
| sensible-trade | $100.00 | $100.00 | 8/6/2010 12:22:59 PM |
| blue-useful-auction | $25.00 | $25.00 | 8/6/2010 1:02:57 PM |
| spiker77 | $50.00 | $50.00 | 8/6/2010 2:04:08 PM |
| RetiredATC | $46.25 | $46.25 | 8/6/2010 7:02:41 PM |
| well-mannered-responsibility8 | $25.00 | $25.00 | 8/7/2010 3:26:00 AM |
| skuba | $25.00 | $25.00 | 8/7/2010 5:58:04 AM |
| wampum-chorus3 | $25.00 | $25.00 | 8/6/2010 10:14:58 PM |
| investment-tempo | $45.00 | $45.00 | 8/7/2010 7:55:30 AM |
| blukestrel | $25.00 | $25.00 | 8/7/2010 9:33:12 AM |
| Rusty3 | $25.00 | $25.00 | 8/7/2010 10:02:25 AM |
| 52digital | $25.00 | $25.00 | 8/7/2010 11:53:25 AM |
| impartial-deal | $25.00 | $25.00 | 8/7/2010 1:42:42 PM |
| TrustOne | $25.00 | $25.00 | 8/7/2010 7:32:29 PM |
| Easystreet | $25.00 | $25.00 | 8/8/2010 5:49:17 AM |
| compassion-lotus5 | $25.00 | $25.00 | 8/8/2010 8:33:03 AM |
| Supernick | $50.00 | $3.54 | 8/8/2010 9:24:23 AM |
| E_G | $50.00 | $50.00 | 8/7/2010 9:18:42 PM |
| pinnacle10 | $25.00 | $25.00 | 8/9/2010 1:42:52 PM |
| Paxman84 | $25.00 | $25.00 | 8/9/2010 11:53:30 AM |
| ethicalhumanist | $25.00 | $25.00 | 8/9/2010 4:43:26 PM |
| mmullen2 | $25.00 | $25.00 | 8/9/2010 6:59:26 PM |
| ltlsprite3 | $25.00 | $25.00 | 8/9/2010 10:24:58 PM |
| rancher7 | $25.00 | $25.00 | 8/9/2010 10:55:56 PM |
| soccermom33 | $25.00 | $25.00 | 8/10/2010 8:52:49 AM |
| intuitive-bill | $50.00 | $50.00 | 8/10/2010 11:17:47 AM |
| market-assembler | $25.00 | $25.00 | 8/10/2010 11:33:53 AM |
| inspired-finance | $25.00 | $25.00 | 8/10/2010 8:48:07 PM |
| bigmacbeef | $25.00 | $25.00 | 8/10/2010 7:10:35 PM |
| pdidy | $40.00 | $40.00 | 8/10/2010 7:24:58 PM |
| QsDad | $25.00 | $25.00 | 8/11/2010 12:23:28 AM |
| ussugm | $50.00 | $50.00 | 8/10/2010 7:32:07 PM |
| StoneBlue | $200.00 | $200.00 | 8/11/2010 8:26:28 AM |
| Lender0307 | $25.00 | $25.00 | 8/11/2010 10:05:59 AM |
| JerryB96 | $25.00 | $25.00 | 8/11/2010 10:58:25 AM |
| yield-quest | $125.00 | $125.00 | 8/11/2010 12:43:42 PM |
| OCmortgagebanker | $40.37 | $40.37 | 8/11/2010 12:20:28 PM |
| kewgdns | $50.00 | $50.00 | 8/11/2010 2:28:24 PM |
| drluong | $25.00 | $25.00 | 8/11/2010 3:07:26 PM |
| money4u2use | $25.44 | $25.44 | 8/11/2010 4:10:04 PM |
| uarewhatuthink | $25.00 | $25.00 | 8/11/2010 6:54:42 PM |
| gilbrear | $25.00 | $25.00 | 8/11/2010 4:01:38 PM |
| bankojerry | $25.00 | $25.00 | 8/11/2010 4:33:46 PM |
| enthralling-investment | $145.00 | $145.00 | 8/12/2010 5:24:26 AM |
| goldsun | $26.00 | $26.00 | 8/11/2010 6:10:51 PM |
| LSolarte | $42.00 | $42.00 | 8/11/2010 11:55:37 PM |
| uwinwewin | $25.00 | $25.00 | 8/12/2010 7:09:30 AM |
| Longstreet47 | $25.00 | $25.00 | 8/11/2010 6:53:24 PM |
| Leshan | $50.00 | $50.00 | 8/12/2010 6:24:07 AM |
| GenerousGentleMan | $75.00 | $75.00 | 8/12/2010 9:33:27 AM |
| BLUE300Z | $25.00 | $25.00 | 8/12/2010 7:50:45 AM |
| lostperception | $25.00 | $25.00 | 8/11/2010 9:39:49 PM |
| idealscene | $25.00 | $25.00 | 8/12/2010 10:40:55 AM |
| fairmaiden | $25.00 | $25.00 | 8/12/2010 4:52:46 AM |
| johnk317 | $100.00 | $100.00 | 8/12/2010 10:48:10 AM |
| Spring342 | $25.00 | $25.00 | 8/12/2010 11:03:51 AM |
| unafraid-loan5 | $25.00 | $25.00 | 8/12/2010 9:44:20 AM |
| Moneypenny6 | $50.00 | $50.00 | 8/12/2010 2:17:04 PM |
| economy-caper9 | $25.00 | $25.00 | 8/12/2010 12:47:47 PM |
| IPlayOutsideTheBox | $25.00 | $25.00 | 8/12/2010 1:39:09 PM |
| integrity-broker | $25.00 | $25.00 | 8/12/2010 1:05:16 PM |
| AustinAmerica | $25.00 | $25.00 | 8/12/2010 2:38:16 PM |
| iamdoug | $25.00 | $25.00 | 8/12/2010 2:48:22 PM |
| Weaverville | $25.00 | $25.00 | 8/5/2010 3:08:06 PM |
| Medops911 | $35.00 | $35.00 | 8/5/2010 3:09:00 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/5/2010 3:14:30 PM |
| LenderDan | $50.00 | $50.00 | 8/5/2010 3:14:56 PM |
| zhiguli | $25.00 | $25.00 | 8/5/2010 3:15:35 PM |
| greeninspirit | $25.00 | $25.00 | 8/5/2010 3:16:27 PM |
| bonus-poplar2 | $50.00 | $50.00 | 8/5/2010 3:17:02 PM |
| buraky | $50.00 | $50.00 | 8/5/2010 3:13:44 PM |
| income-fortress | $25.00 | $25.00 | 8/5/2010 3:13:52 PM |
| Wellman | $100.00 | $100.00 | 8/5/2010 3:17:26 PM |
| rcc7 | $50.00 | $50.00 | 8/5/2010 3:18:10 PM |
| credit-investor5 | $50.00 | $50.00 | 8/5/2010 3:14:32 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/5/2010 3:14:49 PM |
| luckyldy | $35.00 | $35.00 | 8/5/2010 3:18:34 PM |
| transparent-silver | $50.00 | $50.00 | 8/5/2010 3:19:42 PM |
| hitsman | $100.00 | $100.00 | 8/5/2010 3:20:04 PM |
| chekat | $25.00 | $25.00 | 8/5/2010 3:16:16 PM |
| tedsrfdude | $25.00 | $25.00 | 8/5/2010 3:27:46 PM |
| RusRobo | $25.00 | $25.00 | 8/5/2010 3:20:17 PM |
| the-productive-agreement | $25.00 | $25.00 | 8/5/2010 3:16:48 PM |
| sensible-order2 | $50.00 | $50.00 | 8/5/2010 3:17:20 PM |
| simplelender80 | $250.00 | $250.00 | 8/5/2010 3:21:18 PM |
| objective-investor | $100.00 | $100.00 | 8/5/2010 3:17:46 PM |
| RedantFinance | $25.00 | $25.00 | 8/5/2010 3:19:49 PM |
| docdekay | $40.00 | $40.00 | 8/5/2010 3:23:05 PM |
| SpectrumCen | $25.00 | $25.00 | 8/5/2010 9:14:56 PM |
| turbostar666 | $26.93 | $26.93 | 8/5/2010 10:59:26 PM |
| fishintime | $25.00 | $25.00 | 8/6/2010 6:52:38 AM |
| careful-money2 | $75.00 | $75.00 | 8/6/2010 8:59:56 AM |
| market-worker | $25.00 | $25.00 | 8/6/2010 7:22:58 AM |
| Okeey | $25.00 | $25.00 | 8/6/2010 8:12:47 AM |
| gavinsp | $25.00 | $25.00 | 8/6/2010 9:52:16 AM |
| jonus311 | $25.00 | $25.00 | 8/6/2010 11:00:27 AM |
| respectful-integrity3 | $25.00 | $25.00 | 8/6/2010 11:59:34 AM |
| studious-bonus7 | $50.00 | $50.00 | 8/6/2010 1:27:39 PM |
| aggielender | $25.00 | $25.00 | 8/6/2010 6:42:34 PM |
| dedicated-worth127 | $25.00 | $25.00 | 8/6/2010 7:29:41 PM |
| financial-frenzy | $50.00 | $50.00 | 8/6/2010 3:34:17 PM |
| finance-symphony7 | $35.27 | $35.27 | 8/6/2010 7:59:32 PM |
| adir1 | $25.00 | $25.00 | 8/7/2010 10:17:31 AM |
| RandyL3 | $39.00 | $39.00 | 8/7/2010 1:38:48 PM |
| ujiba | $25.00 | $25.00 | 8/7/2010 11:22:42 AM |
| Investoman | $100.00 | $100.00 | 8/8/2010 5:52:33 AM |
| BeanCownter | $100.00 | $100.00 | 8/8/2010 6:07:58 AM |
| order-wizard | $25.77 | $25.77 | 8/7/2010 5:02:29 PM |
| cathexis | $50.00 | $50.00 | 8/8/2010 7:37:46 AM |
| mpactlender | $25.00 | $25.00 | 8/8/2010 7:12:57 AM |
| Dr_M | $25.00 | $25.00 | 8/8/2010 6:58:06 PM |
| beaufuture | $25.00 | $25.00 | 8/9/2010 11:52:16 AM |
| abnvette | $25.00 | $25.00 | 8/9/2010 1:30:56 PM |
| minista | $25.00 | $25.00 | 8/9/2010 7:09:01 PM |
| serene-capital | $25.00 | $25.00 | 8/9/2010 9:55:55 PM |
| grantjt442 | $50.00 | $50.00 | 8/9/2010 10:49:52 PM |
| hawk357 | $25.00 | $25.00 | 8/10/2010 5:21:00 AM |
| octoberfresh | $25.00 | $25.00 | 8/10/2010 6:55:43 AM |
| casaram | $25.00 | $25.00 | 8/10/2010 11:07:13 AM |
| wwwUniversal | $25.00 | $25.00 | 8/10/2010 9:27:45 PM |
| JKKCapital | $25.00 | $25.00 | 8/11/2010 12:33:53 AM |
| gjm6d | $25.00 | $25.00 | 8/10/2010 7:34:45 PM |
| WOODETROY | $25.00 | $25.00 | 8/11/2010 7:38:49 AM |
| emmeyP | $25.00 | $25.00 | 8/11/2010 6:34:12 AM |
| bullincage | $25.00 | $25.00 | 8/11/2010 6:54:55 AM |
| outofoffice | $50.00 | $50.00 | 8/11/2010 9:46:13 AM |
| tedi-tif | $50.00 | $50.00 | 8/11/2010 10:44:45 AM |
| bondhedger | $25.00 | $25.00 | 8/11/2010 11:22:49 AM |
| aliasqalias | $25.00 | $25.00 | 8/11/2010 8:58:13 AM |
| qkinger | $50.00 | $50.00 | 8/11/2010 9:45:55 AM |
| asafb | $250.00 | $250.00 | 8/11/2010 10:31:17 AM |
| dorfinia | $50.00 | $50.00 | 8/11/2010 12:15:26 PM |
| market-socrates4 | $25.00 | $25.00 | 8/11/2010 4:32:48 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/11/2010 6:16:38 PM |
| hidavehi | $45.00 | $45.00 | 8/11/2010 5:41:12 PM |
| DRJWAW | $40.00 | $40.00 | 8/12/2010 5:59:48 AM |
| unfixer | $25.00 | $25.00 | 8/12/2010 3:58:30 AM |
| favorite-commerce | $50.00 | $50.00 | 8/12/2010 8:08:35 AM |
| jules3304 | $25.00 | $25.00 | 8/12/2010 5:07:02 AM |
| benefit-boots | $25.00 | $25.00 | 8/12/2010 10:39:19 AM |
| noble-yield136 | $32.51 | $32.51 | 8/12/2010 8:01:35 AM |
| colorfulgardener | $25.00 | $25.00 | 8/12/2010 9:08:36 AM |
| supreme-economy9 | $25.00 | $25.00 | 8/12/2010 12:26:00 PM |
| worthy-commitment7 | $25.00 | $25.00 | 8/12/2010 2:11:17 PM |
| mgking007 | $25.12 | $25.12 | 8/12/2010 11:37:07 AM |
| Lo0se_mo0se | $41.80 | $41.80 | 8/12/2010 11:41:07 AM |
| Trapman13 | $50.00 | $50.00 | 8/12/2010 12:24:53 PM |
| wilchik | $100.00 | $100.00 | 8/12/2010 2:58:03 PM |
| 189 bids
|
Borrower Payment Dependent Notes Series
468453
This series of Notes was issued and sold upon the funding of the borrower loan #44024, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,510.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Aug-06-2010 |
| |
Auction end date:
| Aug-13-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $365.11 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $365.11 |
| |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 780-799 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 13y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,492 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| active-finance6 |
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
Getting out from under debt.
Purpose of loan:
This loan will be used to?pay off my credit card?balance and?other existing loan.? Also, i'll be able to pay some upcoming bills for car maintenance, etc...?
My financial situation:
I am a good candidate for this loan because? i have ALWAYS paid my bills on time - never late and actually early.? I take my credit history and score very seriously - sometimes thats the only thing you have left to fall back on.
Monthly net income: $ 2281.00
Monthly expenses: $
??Housing: $ 845.00
??Insurance: $
??Car expenses: $
??Utilities: $ 250.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 530.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Weaverville | $25.00 | $25.00 | 8/6/2010 1:59:13 PM |
| ray1051 | $25.00 | $25.00 | 8/6/2010 1:59:55 PM |
| richboy56 | $50.00 | $50.00 | 8/6/2010 2:00:32 PM |
| Bio-physicist | $25.00 | $25.00 | 8/6/2010 2:01:31 PM |
| Goodlender42 | $25.00 | $25.00 | 8/6/2010 2:06:03 PM |
| Wellman | $100.00 | $100.00 | 8/6/2010 2:06:27 PM |
| simplelender80 | $250.00 | $250.00 | 8/6/2010 2:06:41 PM |
| Picopie | $50.00 | $50.00 | 8/6/2010 2:02:41 PM |
| ddog0224 | $25.00 | $25.00 | 8/6/2010 2:06:50 PM |
| cablenews | $50.00 | $50.00 | 8/6/2010 2:07:22 PM |
| dynrep | $25.00 | $25.00 | 8/6/2010 2:07:31 PM |
| riproaringrapids | $25.00 | $25.00 | 8/6/2010 2:07:47 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/6/2010 2:04:40 PM |
| LenderDan | $50.00 | $50.00 | 8/6/2010 2:04:56 PM |
| peterpossum | $25.00 | $25.00 | 8/6/2010 2:37:36 PM |
| rescue | $50.00 | $50.00 | 8/6/2010 2:06:14 PM |
| ichibon | $100.00 | $100.00 | 8/6/2010 2:06:37 PM |
| luckyldy | $34.29 | $34.29 | 8/6/2010 2:06:58 PM |
| 108lender | $100.00 | $100.00 | 8/6/2010 3:16:54 PM |
| bonus-poplar2 | $31.44 | $31.44 | 8/6/2010 6:42:35 PM |
| Passionate_Nurse | $25.00 | $25.00 | 8/6/2010 8:34:56 PM |
| Bank_Of_XL | $50.00 | $50.00 | 8/7/2010 8:16:36 AM |
| friendly-credit2 | $50.00 | $50.00 | 8/7/2010 6:47:51 PM |
| 52digital | $25.00 | $25.00 | 8/7/2010 11:53:31 AM |
| chkrvrty | $25.00 | $25.00 | 8/7/2010 6:47:47 PM |
| docktah | $50.00 | $50.00 | 8/7/2010 6:48:00 PM |
| Investoman | $100.00 | $100.00 | 8/8/2010 5:52:38 AM |
| rcc7 | $50.00 | $50.00 | 8/7/2010 6:47:58 PM |
| Easystreet | $25.00 | $25.00 | 8/8/2010 5:49:24 AM |
| Supernick | $50.00 | $50.00 | 8/8/2010 9:24:29 AM |
| Moneypenny6 | $40.00 | $40.00 | 8/8/2010 5:41:57 PM |
| Havana21 | $25.00 | $25.00 | 8/8/2010 8:22:38 PM |
| SimpleChoice | $25.00 | $25.00 | 8/9/2010 8:12:59 AM |
| Jumping_Jedi | $25.00 | $25.00 | 8/8/2010 11:20:33 PM |
| nunnie | $25.00 | $25.00 | 8/9/2010 6:02:33 AM |
| CFO | $25.00 | $25.00 | 8/9/2010 8:53:53 AM |
| important-openness1 | $100.00 | $100.00 | 8/9/2010 12:52:42 PM |
| chicco | $80.00 | $80.00 | 8/9/2010 1:32:53 PM |
| Interstate_Rate | $30.07 | $30.07 | 8/9/2010 11:47:45 AM |
| Favish | $50.00 | $50.00 | 8/9/2010 12:27:41 PM |
| top-courteous-peso | $100.00 | $100.00 | 8/9/2010 7:05:32 PM |
| Panna | $25.00 | $25.00 | 8/9/2010 7:57:49 PM |
| platinum-optimization1 | $25.00 | $25.00 | 8/9/2010 8:27:57 PM |
| Garnet123 | $25.00 | $25.00 | 8/9/2010 8:28:19 PM |
| tranquil-return4 | $25.00 | $25.00 | 8/10/2010 3:17:48 AM |
| wampum-chorus3 | $25.00 | $25.00 | 8/10/2010 11:03:46 AM |
| Sol_Invictus | $25.00 | $25.00 | 8/10/2010 8:04:21 AM |
| RedantFinance | $25.00 | $25.00 | 8/10/2010 11:09:40 AM |
| wonderful-revenue0 | $25.00 | $25.00 | 8/10/2010 12:02:42 PM |
| tedsrfdude | $25.00 | $25.00 | 8/10/2010 11:11:25 AM |
| market-assembler | $25.00 | $25.00 | 8/10/2010 11:33:57 AM |
| djmgd790 | $100.00 | $100.00 | 8/10/2010 11:50:39 AM |
| kaykarun | $25.00 | $25.00 | 8/10/2010 3:30:31 PM |
| sensible-order2 | $25.00 | $25.00 | 8/10/2010 3:39:52 PM |
| justice-dna | $40.00 | $40.00 | 8/10/2010 5:32:44 PM |
| helpishere777 | $25.00 | $25.00 | 8/10/2010 9:22:49 PM |
| MarkDown | $25.00 | $25.00 | 8/10/2010 9:36:12 PM |
| inspired-investment8 | $100.00 | $100.00 | 8/10/2010 10:17:48 PM |
| greenback-museum | $25.00 | $25.00 | 8/11/2010 12:38:10 AM |
| restech | $25.00 | $25.00 | 8/10/2010 10:23:57 PM |
| dcap3 | $100.00 | $100.00 | 8/11/2010 6:13:19 AM |
| DadWarbucks | $25.00 | $25.00 | 8/11/2010 12:38:18 PM |
| mpactlender | $25.00 | $25.00 | 8/11/2010 1:42:47 PM |
| JustMee | $25.00 | $25.00 | 8/11/2010 8:01:22 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/11/2010 6:48:07 PM |
| integrity-onator1 | $25.00 | $25.00 | 8/11/2010 9:39:28 PM |
| platinum-rapture6 | $25.00 | $25.00 | 8/11/2010 8:56:28 PM |
| hrubinst | $25.00 | $25.00 | 8/11/2010 9:09:37 PM |
| FinDoc | $25.00 | $25.00 | 8/12/2010 5:37:40 AM |
| turbine5 | $50.00 | $50.00 | 8/12/2010 8:48:44 AM |
| favorite-commerce | $50.00 | $50.00 | 8/12/2010 8:08:38 AM |
| brazilofmux | $25.00 | $25.00 | 8/11/2010 9:42:59 PM |
| hard-working-loot | $25.00 | $25.00 | 8/12/2010 10:54:47 AM |
| bid-carrier0 | $25.00 | $25.00 | 8/12/2010 3:11:35 PM |
| oracle3 | $50.00 | $50.00 | 8/12/2010 12:58:48 PM |
| TaoPooh | $25.00 | $25.00 | 8/12/2010 3:18:32 PM |
| Ragnar | $25.00 | $25.00 | 8/12/2010 3:20:55 PM |
| AFFlyboy | $50.00 | $50.00 | 8/12/2010 11:37:50 AM |
| yield-lion | $25.00 | $25.00 | 8/12/2010 3:02:39 PM |
| haryassman | $25.00 | $25.00 | 8/12/2010 3:08:01 PM |
| mrack | $25.00 | $25.00 | 8/12/2010 3:36:45 PM |
| standanddeliver | $25.00 | $25.00 | 8/12/2010 3:44:37 PM |
| steely_dan34 | $25.00 | $25.00 | 8/12/2010 3:44:56 PM |
| innocent-income4 | $25.00 | $25.00 | 8/12/2010 3:45:16 PM |
| happy-return4 | $35.96 | $35.96 | 8/12/2010 3:45:32 PM |
| admirable-credit | $25.00 | $25.00 | 8/12/2010 3:46:54 PM |
| generous-deal6 | $25.00 | $13.55 | 8/12/2010 3:47:24 PM |
| Hokie83 | $25.00 | $25.00 | 8/12/2010 3:45:19 PM |
| shrewd-truth1 | $25.00 | $25.00 | 8/12/2010 3:45:38 PM |
| felicity-daydream | $50.00 | $50.00 | 8/12/2010 5:12:48 PM |
| GABC-1 | $25.00 | $25.00 | 8/12/2010 4:04:54 PM |
| Interloper | $40.00 | $40.00 | 8/12/2010 3:44:14 PM |
| elasermd | $50.00 | $50.00 | 8/12/2010 3:44:36 PM |
| dinero-speaker | $25.00 | $25.00 | 8/12/2010 3:44:45 PM |
| Rdodson11 | $25.00 | $25.00 | 8/12/2010 3:45:15 PM |
| BadgerWI | $25.00 | $25.00 | 8/12/2010 3:45:34 PM |
| ommcd | $25.00 | $25.00 | 8/12/2010 3:45:39 PM |
| wwwUniversal | $25.00 | $25.00 | 8/12/2010 6:35:28 PM |
| opus08 | $25.00 | $25.00 | 8/12/2010 4:29:34 PM |
| ddibernardo | $25.00 | $25.00 | 8/12/2010 6:53:33 PM |
| loboman | $27.93 | $27.93 | 8/12/2010 5:05:37 PM |
| Ven58 | $25.00 | $25.00 | 8/13/2010 2:58:27 AM |
| top-sensible-yield | $200.00 | $200.00 | 8/12/2010 5:50:23 PM |
| Moe87 | $25.00 | $25.00 | 8/12/2010 8:09:08 PM |
| Smallbear | $25.00 | $25.00 | 8/13/2010 6:25:55 AM |
| Flanders122 | $25.00 | $25.00 | 8/13/2010 8:00:13 AM |
| atomantic | $25.00 | $25.00 | 8/13/2010 8:11:09 AM |
| LindaRicci | $25.00 | $25.00 | 8/13/2010 5:26:24 AM |
| mgking007 | $25.84 | $25.84 | 8/13/2010 9:23:12 AM |
| nhloan | $25.00 | $25.00 | 8/13/2010 6:11:21 AM |
| rework | $25.00 | $25.00 | 8/13/2010 6:29:26 AM |
| ErvLending | $25.00 | $25.00 | 8/13/2010 8:39:54 AM |
| depate | $25.00 | $25.00 | 8/13/2010 9:02:01 AM |
| spiritual-fairness5 | $30.00 | $30.00 | 8/13/2010 9:07:27 AM |
| mlpinz | $100.00 | $100.00 | 8/13/2010 10:14:39 AM |
| mpatrick | $50.00 | $50.00 | 8/13/2010 10:26:00 AM |
| hebergee | $25.00 | $25.00 | 8/13/2010 11:10:17 AM |
| johnk317 | $100.00 | $100.00 | 8/13/2010 12:15:59 PM |
| Richmp412 | $25.00 | $25.00 | 8/13/2010 9:41:19 AM |
| mapleman5 | $50.00 | $50.00 | 8/13/2010 9:47:40 AM |
| Ambassador | $25.00 | $25.00 | 8/13/2010 12:59:49 PM |
| zeekxx1 | $61.37 | $61.37 | 8/13/2010 1:50:57 PM |
| brightest-dignified-penny | $25.00 | $25.00 | 8/13/2010 10:12:44 AM |
| grampy48 | $25.00 | $25.00 | 8/13/2010 1:24:40 PM |
| CashBank | $25.00 | $25.00 | 8/13/2010 12:31:43 PM |
| Artist_Blue | $25.00 | $25.00 | 8/6/2010 1:59:25 PM |
| tech310 | $100.00 | $100.00 | 8/6/2010 2:01:16 PM |
| income-fortress | $25.00 | $25.00 | 8/6/2010 2:04:23 PM |
| jigsaw | $100.00 | $100.00 | 8/6/2010 2:04:34 PM |
| jbaum | $25.00 | $25.00 | 8/6/2010 2:04:37 PM |
| xstreamin | $25.00 | $25.00 | 8/6/2010 2:04:31 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/6/2010 2:04:52 PM |
| greeninspirit | $25.00 | $25.00 | 8/6/2010 2:05:57 PM |
| paymentologist | $25.00 | $25.00 | 8/6/2010 2:06:00 PM |
| leeball | $50.00 | $50.00 | 8/6/2010 2:06:04 PM |
| credit-kahuna | $50.00 | $50.00 | 8/6/2010 2:06:16 PM |
| socrates520 | $50.00 | $50.00 | 8/6/2010 2:07:00 PM |
| larrybird | $100.00 | $100.00 | 8/6/2010 2:08:13 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/6/2010 2:08:58 PM |
| sensible-trade | $100.00 | $100.00 | 8/6/2010 2:09:03 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/6/2010 2:04:50 PM |
| objective-investor | $100.00 | $100.00 | 8/6/2010 2:06:31 PM |
| hitsman | $100.00 | $100.00 | 8/6/2010 2:07:26 PM |
| bountiful-durability | $100.00 | $100.00 | 8/6/2010 2:08:02 PM |
| fishintime | $25.00 | $25.00 | 8/6/2010 2:08:35 PM |
| gochargers | $39.93 | $39.93 | 8/6/2010 4:48:14 PM |
| skuba | $25.00 | $25.00 | 8/7/2010 5:58:11 AM |
| rockhound84 | $25.00 | $25.00 | 8/7/2010 7:34:02 AM |
| ryan23 | $25.00 | $25.00 | 8/7/2010 7:59:24 AM |
| buraky | $33.10 | $33.10 | 8/6/2010 11:38:06 PM |
| jengachamp | $25.00 | $25.00 | 8/7/2010 8:57:46 AM |
| JFKPilot | $25.00 | $25.00 | 8/7/2010 11:47:35 AM |
| bxdoc | $56.47 | $56.47 | 8/7/2010 7:59:20 AM |
| bold-special-peace7 | $50.00 | $50.00 | 8/7/2010 5:02:59 PM |
| BeanCownter | $25.00 | $25.00 | 8/7/2010 5:03:22 PM |
| spaceman1645 | $29.76 | $29.76 | 8/7/2010 6:47:50 PM |
| E_G | $50.00 | $50.00 | 8/7/2010 9:18:37 PM |
| cpodakine | $25.00 | $25.00 | 8/7/2010 11:08:24 PM |
| brother_tam | $43.64 | $43.64 | 8/8/2010 1:03:14 AM |
| IamSparticus | $25.00 | $25.00 | 8/8/2010 7:37:39 AM |
| compassion-lotus5 | $25.00 | $25.00 | 8/8/2010 8:32:58 AM |
| studious-bonus7 | $50.00 | $50.00 | 8/8/2010 12:17:42 PM |
| SNL_Svs | $25.00 | $25.00 | 8/8/2010 1:32:53 AM |
| ptjg | $50.00 | $50.00 | 8/8/2010 3:18:04 AM |
| cathexis | $50.00 | $50.00 | 8/8/2010 7:37:54 AM |
| Bookophile | $100.00 | $100.00 | 8/8/2010 2:48:39 PM |
| vegibenz | $25.00 | $25.00 | 8/8/2010 10:38:14 PM |
| market-worker | $25.00 | $25.00 | 8/9/2010 8:12:54 AM |
| RusRobo | $25.00 | $25.00 | 8/9/2010 8:13:09 AM |
| kegs | $29.00 | $29.00 | 8/8/2010 9:22:37 PM |
| financial-frenzy | $50.00 | $50.00 | 8/9/2010 8:12:55 AM |
| generosity-giraffe0 | $25.00 | $25.00 | 8/9/2010 9:47:35 AM |
| treasure-bliss | $42.88 | $42.88 | 8/9/2010 9:37:41 AM |
| VBAces | $50.00 | $50.00 | 8/9/2010 12:42:30 PM |
| FirstBank | $25.00 | $25.00 | 8/9/2010 2:29:21 PM |
| GElender | $50.00 | $50.00 | 8/9/2010 4:02:42 PM |
| DcUnited | $25.00 | $25.00 | 8/9/2010 7:06:10 PM |
| panther757 | $25.00 | $25.00 | 8/9/2010 7:09:17 PM |
| the-productive-agreement | $25.00 | $25.00 | 8/9/2010 7:07:07 PM |
| B-rad_the_Coug | $25.00 | $25.00 | 8/9/2010 7:12:34 PM |
| lendstats_com | $100.00 | $100.00 | 8/9/2010 7:58:50 PM |
| chekat | $25.00 | $25.00 | 8/9/2010 7:07:58 PM |
| Krozy | $25.00 | $25.00 | 8/9/2010 8:34:07 PM |
| octoberfresh | $25.00 | $25.00 | 8/10/2010 7:02:50 AM |
| MARSTUN | $50.00 | $50.00 | 8/10/2010 9:27:49 AM |
| blue-useful-auction | $25.00 | $25.00 | 8/10/2010 10:32:01 AM |
| Islandgal | $25.00 | $25.00 | 8/10/2010 1:57:50 PM |
| gracej | $25.00 | $25.00 | 8/10/2010 11:11:53 AM |
| historic-greenback0 | $100.00 | $100.00 | 8/10/2010 7:11:14 PM |
| moneyin08 | $46.40 | $46.40 | 8/10/2010 6:47:51 PM |
| Blends | $50.00 | $50.00 | 8/10/2010 7:32:48 PM |
| anton | $25.00 | $25.00 | 8/11/2010 4:37:28 AM |
| jigs0910 | $25.00 | $25.00 | 8/11/2010 12:24:30 AM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:38:32 AM |
| Hexamond | $41.37 | $41.37 | 8/11/2010 7:17:32 AM |
| mtquan | $25.00 | $25.00 | 8/11/2010 12:02:52 PM |
| Ocean713 | $50.00 | $50.00 | 8/11/2010 7:38:33 AM |
| a-consummate-camaraderi | $50.00 | $50.00 | 8/11/2010 10:48:37 AM |
| Marathoner | $50.00 | $50.00 | 8/11/2010 1:12:36 PM |
| The_Secret | $25.00 | $25.00 | 8/11/2010 10:02:29 AM |
| dorfinia | $50.00 | $50.00 | 8/11/2010 2:26:41 PM |
| AsianDream | $49.91 | $49.91 | 8/11/2010 5:03:50 PM |
| anders94 | $25.00 | $25.00 | 8/11/2010 6:55:10 PM |
| moola-man | $30.00 | $30.00 | 8/12/2010 7:58:54 AM |
| cestesV | $50.00 | $50.00 | 8/12/2010 8:02:26 AM |
| a-power-amigo | $50.00 | $50.00 | 8/12/2010 9:33:57 AM |
| Sixmil | $25.00 | $25.00 | 8/12/2010 11:28:00 AM |
| wise-deal-panda | $50.00 | $50.00 | 8/12/2010 9:32:39 AM |
| syounker | $25.00 | $25.00 | 8/12/2010 3:07:45 PM |
| ToweringDan | $50.00 | $50.00 | 8/12/2010 1:02:39 PM |
| thevogelfamily | $25.00 | $25.00 | 8/12/2010 11:19:21 AM |
| buddy486 | $25.00 | $25.00 | 8/12/2010 11:47:30 AM |
| TommyTucker | $50.00 | $50.00 | 8/12/2010 3:07:47 PM |
| PhalanxBulldog | $25.00 | $25.00 | 8/12/2010 3:17:08 PM |
| Asailorman | $25.00 | $25.00 | 8/12/2010 3:44:17 PM |
| personal-lender | $25.00 | $25.00 | 8/12/2010 3:44:41 PM |
| kulender | $25.00 | $25.00 | 8/12/2010 3:44:51 PM |
| another412 | $25.00 | $25.00 | 8/12/2010 3:45:35 PM |
| tntmojave | $25.00 | $25.00 | 8/12/2010 3:47:20 PM |
| eridient | $50.00 | $50.00 | 8/12/2010 3:44:28 PM |
| rlgnyc | $50.00 | $50.00 | 8/12/2010 3:45:35 PM |
| kmwvma | $25.00 | $25.00 | 8/12/2010 3:47:22 PM |
| one-midas | $25.00 | $25.00 | 8/12/2010 6:29:16 PM |
| TennSquire | $50.00 | $50.00 | 8/12/2010 3:44:39 PM |
| stoopidnoodle | $25.00 | $25.00 | 8/12/2010 3:45:31 PM |
| slojudy | $48.72 | $48.72 | 8/12/2010 3:45:36 PM |
| jplatypus | $25.00 | $25.00 | 8/12/2010 3:46:49 PM |
| power-secret-agent | $25.00 | $25.00 | 8/12/2010 6:37:36 PM |
| lovely-leverage | $50.00 | $50.00 | 8/12/2010 3:47:01 PM |
| NorthwestLoan1 | $25.00 | $25.00 | 8/12/2010 4:42:36 PM |
| zooom7 | $50.00 | $50.00 | 8/12/2010 7:45:55 PM |
| StreetJustice | $100.00 | $100.00 | 8/12/2010 4:47:49 PM |
| chocolatecookie | $25.00 | $25.00 | 8/13/2010 12:11:17 AM |
| massuot | $25.00 | $25.00 | 8/13/2010 2:47:17 AM |
| engbusres | $71.00 | $71.00 | 8/12/2010 7:49:30 PM |
| hope-lionheart1 | $35.00 | $35.00 | 8/12/2010 9:14:12 PM |
| johnk317 | $100.00 | $100.00 | 8/13/2010 6:36:04 AM |
| CACO_Bank | $29.41 | $29.41 | 8/13/2010 6:48:09 AM |
| SV-AZ | $25.00 | $25.00 | 8/12/2010 7:20:19 PM |
| diplomatic-capital | $46.72 | $46.72 | 8/13/2010 7:08:38 AM |
| sgt-schultz | $25.00 | $25.00 | 8/13/2010 7:22:10 AM |
| redrose1518 | $25.00 | $25.00 | 8/13/2010 4:45:50 AM |
| gothampark | $25.00 | $25.00 | 8/12/2010 8:40:21 PM |
| bonus-quark4 | $25.45 | $25.45 | 8/13/2010 7:21:12 AM |
| AtmaSingshu | $25.00 | $25.00 | 8/13/2010 7:26:42 AM |
| blackstar | $25.00 | $25.00 | 8/13/2010 4:17:42 AM |
| bughead | $25.00 | $25.00 | 8/13/2010 9:54:34 AM |
| emjaybee | $25.00 | $25.00 | 8/13/2010 5:12:12 AM |
| revenue-appraiser | $40.00 | $40.00 | 8/13/2010 6:10:56 AM |
| fund-fox4 | $30.00 | $30.00 | 8/13/2010 9:31:30 AM |
| octoberfresh | $25.00 | $25.00 | 8/13/2010 6:55:36 AM |
| solin003 | $25.00 | $25.00 | 8/13/2010 9:35:18 AM |
| rockhound84 | $25.00 | $25.00 | 8/13/2010 7:18:17 AM |
| wojo | $25.79 | $25.79 | 8/13/2010 7:32:23 AM |
| leverage-monger | $25.00 | $25.00 | 8/13/2010 12:34:50 PM |
| justinology | $25.00 | $25.00 | 8/13/2010 12:58:11 PM |
| radiant-value | $25.00 | $25.00 | 8/13/2010 1:05:08 PM |
| wealth-samaritan2 | $25.00 | $25.00 | 8/13/2010 1:06:41 PM |
| helpingyou1 | $25.00 | $25.00 | 8/13/2010 10:42:59 AM |
| california5andime | $25.00 | $25.00 | 8/13/2010 1:23:22 PM |
| worth-victor6 | $25.00 | $25.00 | 8/13/2010 12:47:35 PM |
| credit-kahuna | $50.00 | $50.00 | 8/13/2010 1:21:34 PM |
| leverage-monger | $25.00 | $25.00 | 8/13/2010 10:43:33 AM |
| 263 bids
|
Borrower Payment Dependent Notes Series
468601
This series of Notes was issued and sold upon the funding of the borrower loan #43977, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,400.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% |
Auction start date:
| Jul-27-2010 |
| |
Auction end date:
| Aug-03-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $199.04 |
|
Final lender yield:
| 33.00% |
Final borrower rate/APR:
| 34.00% / 37.70% |
Final monthly payment:
| $196.56 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 25.95% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.05% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Jul-2006 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 620-639 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,933 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| positive_change |
Borrower's state:
| Oregon |
Borrower's group:
| 1st and BEST for Loans |
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 ( 96% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,100.00 | < 31 days late:
| 1
( 4% )
| 620-639
(Jun-2010)
620-639
(Mar-2010)
600-619
(Feb-2010)
600-619
(Jan-2010)
|
|
Principal balance:
| $820.56 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Trying to get on track, 2nd loan
I will be using this loan to consolidate my credit cards and other prosper loan as well as buy a computer for school.
By getting this loan I will be able to focus more on
school and work and not really have to think about paying a ton of
bills because I will only have a couple.
I currently go to school
for Fashion Design and it requires some programs that my current
computer cannot run very well. This is why I included some money for a
new computer because my current one is starting to slowly die.
As you can see by my previous prosper loan i am very good at repaying my debt. The reason for my high risk rating is because of the high balances on my credit cards. I only have two credit cards with the highest credit line at 1700 and the other being only 550 so it's easy to max them out in emergencies. Such as medical bills.
My monthly income is about $2000
my expenses...
Rent: $300
car payment: $235
insurance: $100
credit cards: $150
cell phone: $65
utilities: $300
All in all this is how the loan would break down...
Prosper Loan:? $931
Credit Card 1: $1638
Credit Card 2: $495
Computer: $1100
thank you for your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
encantado has bid a total of
$38.71 in winning bids.
"I am happy to place a bid on your new loan request! You have done great on your previous loan!! Good Luck"
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
will you be making automatic payments. please answer publicly - restless-dime
A:
i will be making automatic payments. I make them on my first loan. the only reason the i have a late payment was because i was getting paid that night and was a couple of dollars short so they canceled the payment. but i paid it the next day
(Jul-30-2010)
Q:
What is your plan to not go into credit card debt again? - sharp-return7
A:
Well a bulk of it was from medical expenses but I have taken my credit cards out of my wallet and leave them at the house just to make sure i'm not tempted to use them except in an emergency. hope this helps.
(Aug-02-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| encantado | $38.71 | $38.71 | 7/27/2010 2:05:10 PM |
| Rogelio48 | $30.00 | $30.00 | 7/27/2010 4:51:33 PM |
| return-grizzly | $100.00 | $100.00 | 7/28/2010 4:13:18 AM |
| currency-bumblebee | $25.00 | $25.00 | 7/28/2010 7:46:29 AM |
| Kash2010lu | $50.00 | $50.00 | 7/28/2010 4:19:35 PM |
| UCLA4life | $25.00 | $25.00 | 7/29/2010 4:23:55 PM |
| ComputerCash25 | $25.00 | $25.00 | 7/29/2010 6:06:57 PM |
| riveting-credit5 | $200.00 | $200.00 | 7/29/2010 6:02:06 PM |
| jeffe43 | $50.00 | $50.00 | 7/30/2010 10:19:55 AM |
| houli123 | $50.00 | $50.00 | 7/31/2010 11:38:30 PM |
| Carnth | $25.00 | $25.00 | 8/2/2010 7:30:25 AM |
| kindness-venture1 | $25.00 | $25.00 | 8/2/2010 10:29:42 AM |
| P3P-Career-Coach | $25.00 | $25.00 | 8/2/2010 10:32:14 AM |
| jhernand17 | $25.00 | $25.00 | 8/2/2010 11:29:50 AM |
| nickel-position | $25.00 | $25.00 | 8/2/2010 12:47:37 PM |
| autonomous-truth | $25.00 | $25.00 | 8/2/2010 12:59:32 PM |
| jojofrankie | $25.83 | $25.83 | 8/2/2010 2:02:08 PM |
| myutmost | $31.07 | $31.07 | 8/2/2010 4:37:48 PM |
| ore-dojo | $25.00 | $25.00 | 8/2/2010 5:20:34 PM |
| bid-caballero | $34.00 | $34.00 | 8/2/2010 7:14:20 PM |
| Free-the-usa-1776 | $38.00 | $17.06 | 8/2/2010 9:27:13 PM |
| NekHoldings | $25.00 | $25.00 | 8/3/2010 5:00:59 AM |
| malomar66 | $43.88 | $43.88 | 8/2/2010 11:34:49 PM |
| lifelongreds | $50.00 | $50.00 | 8/3/2010 8:20:51 AM |
| sparkling-contract7 | $25.00 | $25.00 | 8/3/2010 6:37:45 AM |
| EretzCapital | $32.75 | $32.75 | 8/3/2010 7:36:09 AM |
| Leshan | $150.00 | $150.00 | 8/3/2010 7:40:51 AM |
| first-dinero-igloo | $26.01 | $26.01 | 8/3/2010 7:49:07 AM |
| Champion_Lending | $25.00 | $25.00 | 8/3/2010 8:51:01 AM |
| grampy48 | $25.00 | $25.00 | 8/3/2010 8:07:56 AM |
| farchoir | $25.00 | $25.00 | 8/3/2010 9:45:03 AM |
| Lender-Trader | $26.00 | $26.00 | 8/3/2010 11:01:31 AM |
| Paxman84 | $25.00 | $25.00 | 8/3/2010 9:52:09 AM |
| sturdy-peace9 | $65.00 | $65.00 | 8/3/2010 11:39:44 AM |
| WonByOne | $25.00 | $25.00 | 8/3/2010 11:42:43 AM |
| DasMula | $25.00 | $25.00 | 8/3/2010 11:53:28 AM |
| DasMula | $25.00 | $25.00 | 8/3/2010 11:54:05 AM |
| epic-payout | $50.00 | $50.00 | 8/3/2010 10:50:09 AM |
| gshx2 | $36.00 | $36.00 | 8/3/2010 11:17:31 AM |
| BeanCownter | $50.00 | $50.00 | 8/3/2010 12:41:55 PM |
| jaeson027 | $55.56 | $55.56 | 8/3/2010 12:50:55 PM |
| HomerdohNY | $25.00 | $25.00 | 8/3/2010 11:18:02 AM |
| 2152 | $25.00 | $25.00 | 8/3/2010 12:23:42 PM |
| bmw2 | $72.00 | $72.00 | 8/3/2010 12:35:39 PM |
| tarafied | $25.00 | $25.00 | 8/3/2010 12:17:56 PM |
| RecoveryLender | $25.00 | $25.00 | 8/3/2010 12:43:34 PM |
| clemclan | $30.00 | $30.00 | 7/27/2010 4:25:41 PM |
| well-mannered-income3 | $30.00 | $30.00 | 7/27/2010 8:25:18 PM |
| dws2380 | $25.00 | $25.00 | 7/29/2010 11:07:06 AM |
| bobnewt | $100.00 | $100.00 | 7/29/2010 5:02:35 PM |
| lucrative-loan | $50.00 | $50.00 | 7/30/2010 5:26:30 AM |
| alexgalt | $100.00 | $100.00 | 7/30/2010 5:19:11 AM |
| bunnybear | $50.00 | $50.00 | 7/30/2010 8:31:02 AM |
| autonomous-truth | $25.00 | $25.00 | 7/30/2010 11:30:42 AM |
| SolarMoonshine | $25.00 | $25.00 | 7/30/2010 3:24:23 PM |
| beans53 | $25.00 | $25.00 | 7/30/2010 7:15:42 PM |
| penny-plato | $50.00 | $50.00 | 7/31/2010 8:06:27 PM |
| restless-dime | $25.00 | $25.00 | 8/1/2010 1:24:46 AM |
| Kash2010lu | $25.00 | $25.00 | 8/1/2010 7:59:33 AM |
| Mark-M | $25.00 | $25.00 | 8/1/2010 8:44:20 AM |
| skillful-asset5 | $40.00 | $40.00 | 8/1/2010 6:57:27 PM |
| YoungTaxMan | $400.00 | $400.00 | 8/1/2010 11:00:27 PM |
| BrighterSuns | $25.00 | $25.00 | 8/2/2010 10:14:03 AM |
| generosity-berserker | $25.00 | $25.00 | 8/2/2010 10:32:29 AM |
| YoungTaxMan | $100.00 | $100.00 | 8/2/2010 10:47:44 AM |
| DasMula | $25.00 | $25.00 | 8/2/2010 11:06:32 AM |
| kingston1 | $25.00 | $25.00 | 8/2/2010 10:15:19 AM |
| GrossBuddha | $50.00 | $50.00 | 8/2/2010 10:26:26 AM |
| jhouman | $25.00 | $25.00 | 8/2/2010 10:31:29 AM |
| newest-investment-elevator | $50.00 | $50.00 | 8/2/2010 11:35:20 AM |
| Happyhourcomics | $25.00 | $25.00 | 8/2/2010 12:42:00 PM |
| debestof83 | $28.85 | $28.85 | 8/2/2010 1:46:58 PM |
| wlm3012 | $25.00 | $25.00 | 8/2/2010 2:28:52 PM |
| ultimate-dough0 | $25.00 | $25.00 | 8/2/2010 2:05:09 PM |
| Moe87 | $25.00 | $25.00 | 8/2/2010 3:33:14 PM |
| noble-marketplace | $25.00 | $25.00 | 8/2/2010 3:43:19 PM |
| jbloans | $25.00 | $25.00 | 8/2/2010 6:41:48 PM |
| marinbb | $50.00 | $50.00 | 8/2/2010 10:30:27 PM |
| Jerrys1951 | $25.00 | $25.00 | 8/2/2010 8:17:22 PM |
| bright-exchange | $25.00 | $25.00 | 8/2/2010 9:31:54 PM |
| chameleon125 | $50.00 | $50.00 | 8/2/2010 9:33:56 PM |
| marinbb | $50.00 | $50.00 | 8/2/2010 10:30:53 PM |
| ayiticheri | $25.00 | $25.00 | 8/3/2010 4:59:51 AM |
| periko | $25.00 | $25.00 | 8/3/2010 12:14:16 AM |
| Mikale360 | $25.00 | $25.00 | 8/3/2010 6:40:13 AM |
| aztocas | $25.00 | $25.00 | 8/3/2010 7:18:38 AM |
| bronzmajom | $25.00 | $25.00 | 8/3/2010 9:09:28 AM |
| worth-jedi5 | $25.00 | $25.00 | 8/3/2010 10:07:09 AM |
| madamlulu | $50.00 | $50.00 | 8/3/2010 9:13:23 AM |
| veropierre | $25.00 | $25.00 | 8/3/2010 11:00:43 AM |
| moola-monger9 | $75.00 | $75.00 | 8/3/2010 10:23:48 AM |
| american-investor | $25.00 | $25.00 | 8/3/2010 10:16:06 AM |
| 99Lender | $25.00 | $25.00 | 8/3/2010 10:55:08 AM |
| Investoman | $50.00 | $50.00 | 8/3/2010 10:56:15 AM |
| RKLFinancial | $50.00 | $50.00 | 8/3/2010 12:15:12 PM |
| ALANGREANSPAN | $25.00 | $25.00 | 8/3/2010 12:26:07 PM |
| dollar-authority | $100.00 | $100.00 | 8/3/2010 12:36:02 PM |
| attractive-value | $25.00 | $25.00 | 8/3/2010 12:42:20 PM |
| value-rapture | $25.00 | $25.00 | 8/3/2010 11:28:44 AM |
| shrewd-income | $25.00 | $25.00 | 8/3/2010 11:33:47 AM |
| shrimper | $25.00 | $25.00 | 8/3/2010 11:39:32 AM |
| Chesterite | $38.38 | $38.38 | 8/3/2010 12:11:27 PM |
| hoffspot | $48.90 | $48.90 | 8/3/2010 12:36:39 PM |
| innovator2 | $50.00 | $50.00 | 8/3/2010 12:49:35 PM |
| 104 bids
|
Borrower Payment Dependent Notes Series
469293
This series of Notes was issued and sold upon the funding of the borrower loan #43980, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Aug-02-2010 |
| |
Auction end date:
| Aug-08-2010 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.90% |
Starting monthly payment:
| $59.64 |
|
Final lender yield:
| 21.00% |
Final borrower rate/APR:
| 22.00% / 25.83% |
Final monthly payment:
| $57.29 |
| |
|
Auction yield range:
| 10.93% - 24.00% |
Estimated loss impact:
| 11.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.69% | | |
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 score (1-10):
| 8 |
First credit line:
| May-2002 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 680-699 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
7 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,176 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| clean-value5 |
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
Credit Debt
Purpose of loan:
This loan will be used to pay off 2 cards and canceling a phone line and continuing education.
My financial situation:
I am a good candidate for this loan because I have a steady job my income has increased 10% year over year for the past 4 years.
Monthly net income: $ 4,161
Monthly expenses: $ 2,200
??Housing: $
1500
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| jpollar | $25.00 | $25.00 | 8/2/2010 11:25:30 AM |
| hektek22 | $300.00 | $300.00 | 8/2/2010 10:04:47 PM |
| mercuriant | $25.00 | $25.00 | 8/3/2010 10:24:02 AM |
| Joshua_E | $25.00 | $25.00 | 8/4/2010 9:13:48 PM |
| chkrvrty | $25.00 | $25.00 | 8/6/2010 10:30:03 AM |
| trade-goblin9 | $25.00 | $25.00 | 8/6/2010 4:59:32 PM |
| FinanceEngine | $25.00 | $25.00 | 8/6/2010 7:59:10 PM |
| Cliffie83 | $43.63 | $43.63 | 8/6/2010 9:57:36 PM |
| Leshan | $33.33 | $33.33 | 8/6/2010 11:13:19 PM |
| Crom | $50.00 | $50.00 | 8/7/2010 6:28:08 AM |
| carrinel | $100.00 | $100.00 | 8/7/2010 8:29:57 AM |
| Dollars4Rent | $25.00 | $25.00 | 8/7/2010 11:31:30 AM |
| spiff666 | $25.00 | $25.00 | 8/7/2010 10:18:40 AM |
| Kelor99 | $25.00 | $25.00 | 8/7/2010 10:32:11 AM |
| jmart30702 | $27.67 | $9.82 | 8/7/2010 11:38:47 AM |
| paqattack | $25.00 | $25.00 | 8/7/2010 10:25:23 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 8/7/2010 5:59:37 PM |
| mpatrick | $50.00 | $50.00 | 8/8/2010 8:29:31 AM |
| Leopoldine | $25.00 | $25.00 | 8/7/2010 11:25:04 PM |
| beakerfish | $200.00 | $200.00 | 8/8/2010 9:01:15 AM |
| transaction-circuit | $25.00 | $25.00 | 8/2/2010 11:30:22 AM |
| durable-economy2 | $25.00 | $25.00 | 8/2/2010 11:33:14 AM |
| SolarMoonshine | $25.00 | $25.00 | 8/3/2010 10:49:55 AM |
| Tycho | $26.00 | $26.00 | 8/5/2010 3:28:22 PM |
| nickel-position | $25.00 | $25.00 | 8/6/2010 10:32:38 AM |
| exchange-dreams | $50.00 | $50.00 | 8/6/2010 6:52:42 PM |
| stephen_c01 | $25.00 | $25.00 | 8/6/2010 10:06:17 PM |
| justme4now | $25.00 | $25.00 | 8/6/2010 7:56:40 PM |
| runbix7 | $25.00 | $25.00 | 8/7/2010 2:49:41 AM |
| BeanCownter | $50.00 | $50.00 | 8/7/2010 4:26:14 AM |
| AndyT1999 | $25.00 | $25.00 | 8/7/2010 1:12:24 PM |
| MoneyTree79 | $37.22 | $37.22 | 8/7/2010 3:26:11 PM |
| taetrade | $25.00 | $25.00 | 8/7/2010 8:24:18 PM |
| sknop64 | $25.00 | $25.00 | 8/7/2010 11:44:38 PM |
| 34 bids
|
Borrower Payment Dependent Notes Series
469995
This series of Notes was issued and sold upon the funding of the borrower loan #43983, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,336.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Aug-04-2010 |
| |
Auction end date:
| Aug-09-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.97% |
Starting monthly payment:
| $54.90 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.97% |
Final monthly payment:
| $54.90 |
| |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
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 score (1-10):
| 10 |
First credit line:
| Apr-1989 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 6y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,294 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| buddha68 |
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
Make 1 mortgage payment
Purpose of loan:
This loan will be used to make?1 mortgage payment on my house.? It's not late yet, but WILL be.? I got behind this one time.? Never been late in 10 years paying on my loan.? Had to pay many legal fees right now due to divorce.? This will catch me up!? I appreciate!?
My financial situation:
I am a good candidate for this loan because I get paid twice a month and I pay all of my bills on time.
Monthly net income: $ 2778
Monthly expenses: $
??Housing: $ 1336
??Insurance: $ 80.00
??Car expenses: $ 0.00
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 0.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 8/4/2010 2:08:51 PM |
| jpollar | $25.00 | $25.00 | 8/4/2010 2:09:50 PM |
| copper | $50.00 | $50.00 | 8/4/2010 2:09:10 PM |
| simplelender80 | $50.00 | $50.00 | 8/4/2010 2:13:29 PM |
| balance-handshake7 | $25.00 | $25.00 | 8/4/2010 2:14:01 PM |
| personal-lender | $25.00 | $25.00 | 8/4/2010 2:14:42 PM |
| cablenews | $25.00 | $25.00 | 8/4/2010 2:18:48 PM |
| uncleegg | $25.00 | $25.00 | 8/5/2010 1:09:56 AM |
| Dubbs360 | $50.00 | $50.00 | 8/5/2010 12:03:17 AM |
| RebuildALife | $25.00 | $25.00 | 8/5/2010 9:34:19 AM |
| enthralling-deal180 | $100.00 | $100.00 | 8/5/2010 4:59:08 PM |
| Streamfeeder | $25.00 | $25.00 | 8/7/2010 10:37:49 AM |
| WOODETROY | $25.00 | $25.00 | 8/7/2010 3:03:35 PM |
| donenzo | $25.00 | $25.00 | 8/8/2010 9:04:46 PM |
| wwwUniversal | $25.00 | $25.00 | 8/8/2010 3:32:36 PM |
| transaction-circuit | $25.00 | $25.00 | 8/4/2010 2:09:51 PM |
| reward-adventure | $30.00 | $30.00 | 8/4/2010 2:13:46 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/4/2010 2:16:10 PM |
| WalnutCreekguy | $25.00 | $25.00 | 8/4/2010 2:15:39 PM |
| durable-economy2 | $25.00 | $25.00 | 8/4/2010 2:23:42 PM |
| patriot897 | $25.00 | $25.00 | 8/5/2010 6:19:00 AM |
| loyalist1 | $50.00 | $50.00 | 8/5/2010 8:38:33 AM |
| important-openness1 | $100.00 | $100.00 | 8/5/2010 9:33:56 AM |
| what_goes_around | $25.00 | $25.00 | 8/5/2010 6:39:14 PM |
| marwadi-62 | $100.00 | $100.00 | 8/6/2010 10:21:13 AM |
| blue-useful-auction | $25.00 | $25.00 | 8/6/2010 12:54:19 PM |
| kegs | $25.45 | $25.45 | 8/6/2010 9:57:24 PM |
| larrybird | $66.46 | $66.46 | 8/7/2010 9:43:24 AM |
| SC2TX | $100.00 | $100.00 | 8/7/2010 10:35:18 AM |
| Iloanyoumoney | $25.00 | $25.00 | 8/7/2010 7:59:04 AM |
| kind-bill-supporter | $50.00 | $50.00 | 8/7/2010 4:58:32 PM |
| cybercop45 | $25.00 | $25.00 | 8/7/2010 7:38:05 PM |
| asiaratt | $50.00 | $35.36 | 8/8/2010 3:28:22 PM |
| farblest | $28.73 | $28.73 | 8/8/2010 8:21:14 PM |
| 34 bids
|
Borrower Payment Dependent Notes Series
470109
This series of Notes was issued and sold upon the funding of the borrower loan #43986, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Aug-10-2010 |
| |
Auction end date:
| Aug-15-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $277.91 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $277.91 |
| |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1990 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Engineer - Chemical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,120 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dough-master1 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Gonzaga High School (Sr YR) Payment
Purpose of loan:
This loan will be used to help pay for my sons last year at Gonzaga High School
My financial situation:
I am a good candidate for this loan because both my wife (school teacher) and I are gainfully employed.
Monthly net income: $ My wife and I bring after taxes over 11,000/month
Monthly expenses: $
??Housing: $
3400
??Insurance: $
3000
??Car expenses: $
0
??Utilities: $
400
??Phone, cable, internet: $
400
??Food, entertainment: $
600
??Clothing, household expenses $
150
??Credit cards and other loans: $
700
??Other expenses: $
2000
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) |
|
| Weaverville | $25.00 | $25.00 | 8/10/2010 2:49:48 PM |
| tech310 | $100.00 | $100.00 | 8/10/2010 2:56:34 PM |
| income-fortress | $25.00 | $25.00 | 8/10/2010 3:14:02 PM |
| xstreamin | $25.00 | $25.00 | 8/10/2010 3:14:25 PM |
| objective-investor | $100.00 | $100.00 | 8/10/2010 3:17:53 PM |
| GElender | $50.00 | $50.00 | 8/10/2010 2:49:36 PM |
| fishintime | $25.00 | $25.00 | 8/10/2010 3:19:24 PM |
| cathexis | $50.00 | $50.00 | 8/10/2010 3:19:48 PM |
| spaceman1645 | $100.00 | $100.00 | 8/10/2010 3:20:07 PM |
| simplelender80 | $250.00 | $250.00 | 8/10/2010 2:53:00 PM |
| 52digital | $25.00 | $25.00 | 8/10/2010 3:20:39 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/10/2010 3:14:56 PM |
| LenderDan | $50.00 | $50.00 | 8/10/2010 3:15:10 PM |
| paymentologist | $25.00 | $25.00 | 8/10/2010 3:17:09 PM |
| Goodlender42 | $25.00 | $25.00 | 8/10/2010 3:17:14 PM |
| rescue | $50.00 | $50.00 | 8/10/2010 3:17:33 PM |
| ichibon | $100.00 | $100.00 | 8/10/2010 3:18:09 PM |
| Bio-physicist | $25.00 | $25.00 | 8/10/2010 3:18:27 PM |
| BeanCownter | $100.00 | $100.00 | 8/10/2010 3:19:48 PM |
| Supernick | $50.00 | $50.00 | 8/10/2010 3:19:54 PM |
| chicco | $41.81 | $41.81 | 8/10/2010 3:21:05 PM |
| wonderful-revenue0 | $25.00 | $25.00 | 8/10/2010 3:21:20 PM |
| SDNLR | $25.00 | $25.00 | 8/10/2010 3:33:17 PM |
| RandyL3 | $39.00 | $39.00 | 8/10/2010 8:18:10 PM |
| inspired-investment8 | $100.00 | $100.00 | 8/10/2010 10:18:02 PM |
| systemlender | $50.00 | $50.00 | 8/10/2010 9:30:45 PM |
| Bank_Of_XL | $50.00 | $50.00 | 8/10/2010 6:02:35 PM |
| blue-useful-auction | $25.00 | $25.00 | 8/11/2010 7:48:47 AM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:38:52 AM |
| kegs | $150.00 | $150.00 | 8/11/2010 10:08:00 AM |
| MARSTUN | $50.00 | $50.00 | 8/11/2010 5:03:58 PM |
| RICHMONDREB | $25.00 | $25.00 | 8/11/2010 4:09:21 PM |
| Panna | $25.00 | $25.00 | 8/11/2010 6:19:25 PM |
| JustMee | $25.00 | $25.00 | 8/11/2010 8:05:24 PM |
| tranquil-return4 | $25.00 | $25.00 | 8/11/2010 7:33:21 PM |
| sensible-trade | $100.00 | $100.00 | 8/11/2010 5:04:01 PM |
| greeninspirit | $25.00 | $25.00 | 8/12/2010 5:38:43 AM |
| important-openness1 | $25.00 | $25.00 | 8/12/2010 9:13:40 AM |
| Frugal | $25.00 | $25.00 | 8/11/2010 9:25:00 PM |
| resource777 | $30.76 | $30.76 | 8/12/2010 6:22:30 AM |
| treasure-bliss | $49.66 | $49.66 | 8/12/2010 10:42:42 AM |
| AFFlyboy | $50.00 | $50.00 | 8/12/2010 11:38:00 AM |
| bid-carrier0 | $25.00 | $25.00 | 8/12/2010 3:49:30 PM |
| Jumbojack | $50.00 | $50.00 | 8/12/2010 4:17:58 PM |
| riproaringrapids | $25.00 | $25.00 | 8/12/2010 8:07:30 PM |
| buraky | $50.00 | $50.00 | 8/12/2010 6:36:06 PM |
| new-social-economist | $25.00 | $25.00 | 8/12/2010 5:02:37 PM |
| platinum-rapture6 | $25.00 | $25.00 | 8/12/2010 6:17:49 PM |
| flexible-integrity7 | $50.00 | $50.00 | 8/12/2010 9:13:21 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 8/13/2010 9:32:46 AM |
| red-power-pecan | $50.00 | $50.00 | 8/13/2010 9:33:35 AM |
| Binan | $25.00 | $25.00 | 8/13/2010 7:30:43 AM |
| Clambake | $50.00 | $50.00 | 8/13/2010 8:37:31 AM |
| anton | $46.70 | $46.70 | 8/13/2010 10:05:54 AM |
| credit-kahuna | $50.00 | $50.00 | 8/13/2010 1:38:37 PM |
| principal-trident | $29.36 | $29.36 | 8/13/2010 10:37:33 AM |
| skuba | $25.00 | $25.00 | 8/13/2010 1:13:53 PM |
| platinum-optimization1 | $25.00 | $25.00 | 8/13/2010 3:59:30 PM |
| life-is-great | $50.00 | $50.00 | 8/13/2010 3:06:42 PM |
| Saleen06 | $25.00 | $25.00 | 8/13/2010 10:21:07 PM |
| unforgettable-order9 | $50.00 | $50.00 | 8/13/2010 8:06:57 PM |
| thevogelfamily | $25.00 | $25.00 | 8/14/2010 12:37:36 PM |
| egw | $25.00 | $25.00 | 8/14/2010 12:59:18 PM |
| don8ter | $25.00 | $25.00 | 8/14/2010 12:37:53 PM |
| Lender75 | $50.00 | $50.00 | 8/14/2010 8:53:10 AM |
| jsmith1450 | $100.00 | $100.00 | 8/14/2010 4:22:28 PM |
| schpere | $25.00 | $25.00 | 8/14/2010 3:08:17 PM |
| Sixmil | $25.00 | $25.00 | 8/14/2010 12:37:34 PM |
| verdiprr | $100.00 | $100.00 | 8/14/2010 6:36:51 PM |
| julijask | $29.56 | $29.56 | 8/14/2010 12:51:57 PM |
| sdloanhelper | $25.00 | $25.00 | 8/14/2010 2:37:09 PM |
| gracej | $25.00 | $25.00 | 8/14/2010 10:30:00 PM |
| oaktown23 | $50.00 | $50.00 | 8/14/2010 11:57:36 PM |
| honorable-yield | $50.00 | $50.00 | 8/14/2010 8:53:32 PM |
| fcukciti | $50.00 | $50.00 | 8/15/2010 8:18:01 AM |
| PunzunLtd | $150.00 | $150.00 | 8/15/2010 7:09:17 AM |
| ps2roy | $50.00 | $50.00 | 8/15/2010 11:12:05 AM |
| BabyLender | $25.00 | $25.00 | 8/14/2010 10:27:45 PM |
| hrubinst | $25.00 | $25.00 | 8/14/2010 10:30:03 PM |
| TennSquire | $50.00 | $50.00 | 8/15/2010 1:25:36 PM |
| educationfirst | $25.00 | $25.00 | 8/15/2010 1:26:00 PM |
| puifais | $25.00 | $25.00 | 8/15/2010 1:26:12 PM |
| Cai8899 | $49.89 | $49.89 | 8/14/2010 11:42:00 PM |
| Galdis | $25.00 | $25.00 | 8/15/2010 11:30:26 AM |
| innocent-income4 | $25.00 | $25.00 | 8/15/2010 1:25:40 PM |
| principal-bull | $25.00 | $25.00 | 8/15/2010 6:09:35 AM |
| brazilofmux | $59.60 | $59.60 | 8/15/2010 1:25:53 PM |
| anders94 | $25.00 | $25.00 | 8/15/2010 1:25:54 PM |
| fund-baker9 | $50.00 | $50.00 | 8/15/2010 1:26:08 PM |
| kbodendorf | $25.00 | $25.00 | 8/15/2010 1:26:15 PM |
| subtle-deal5 | $25.00 | $25.00 | 8/15/2010 1:26:30 PM |
| lounges | $50.00 | $50.00 | 8/15/2010 6:52:30 AM |
| calinno2 | $50.00 | $50.00 | 8/15/2010 1:24:52 PM |
| Easystreet | $25.00 | $25.00 | 8/15/2010 1:25:41 PM |
| MrDavid | $50.00 | $50.00 | 8/15/2010 1:25:43 PM |
| tedsrfdude | $25.00 | $25.00 | 8/15/2010 1:25:47 PM |
| chekat | $25.00 | $25.00 | 8/15/2010 1:25:50 PM |
| ADIDASNO | $25.00 | $25.00 | 8/15/2010 1:25:59 PM |
| the-productive-agreement | $25.00 | $25.00 | 8/15/2010 1:26:19 PM |
| LenderByDay | $25.00 | $25.00 | 8/15/2010 1:26:35 PM |
| all_of_that_one | $35.00 | $35.00 | 8/15/2010 1:44:25 PM |
| SpotLending | $25.00 | $25.00 | 8/15/2010 3:26:55 PM |
| Artist_Blue | $25.00 | $25.00 | 8/10/2010 2:51:37 PM |
| ray1051 | $25.00 | $25.00 | 8/10/2010 2:52:27 PM |
| richboy56 | $50.00 | $50.00 | 8/10/2010 2:55:14 PM |
| principal-prodigy | $25.00 | $25.00 | 8/10/2010 2:56:26 PM |
| jbaum | $25.00 | $25.00 | 8/10/2010 3:14:47 PM |
| jigsaw | $100.00 | $100.00 | 8/10/2010 3:14:35 PM |
| hitsman | $100.00 | $100.00 | 8/10/2010 3:18:39 PM |
| larrybird | $100.00 | $100.00 | 8/10/2010 3:19:11 PM |
| bountiful-durability | $100.00 | $100.00 | 8/10/2010 3:19:05 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/10/2010 3:14:57 PM |
| leeball | $50.00 | $50.00 | 8/10/2010 3:17:19 PM |
| Wellman | $100.00 | $100.00 | 8/10/2010 3:17:38 PM |
| ddog0224 | $25.00 | $25.00 | 8/10/2010 3:18:13 PM |
| socrates520 | $50.00 | $50.00 | 8/10/2010 3:18:15 PM |
| Investoman | $100.00 | $100.00 | 8/10/2010 3:19:42 PM |
| Bookophile | $100.00 | $100.00 | 8/10/2010 3:19:58 PM |
| lendingstar | $25.00 | $25.00 | 8/10/2010 8:12:48 PM |
| ClearCut | $50.00 | $50.00 | 8/10/2010 8:54:24 PM |
| Sol_Invictus | $25.00 | $25.00 | 8/11/2010 5:17:26 AM |
| dcap3 | $100.00 | $100.00 | 8/11/2010 7:23:50 AM |
| Ocean713 | $50.00 | $50.00 | 8/11/2010 7:38:20 AM |
| money-boots2 | $25.00 | $25.00 | 8/11/2010 9:33:27 AM |
| Picopie | $25.00 | $25.00 | 8/11/2010 11:28:04 AM |
| UncleSafety | $100.00 | $100.00 | 8/11/2010 11:53:13 AM |
| br4444 | $25.00 | $25.00 | 8/11/2010 3:37:34 PM |
| totoro | $25.00 | $25.00 | 8/11/2010 8:49:35 PM |
| helpishere777 | $25.00 | $25.00 | 8/11/2010 9:04:36 PM |
| credit-investor5 | $36.92 | $36.92 | 8/12/2010 8:08:32 AM |
| sincere-balance | $25.00 | $25.00 | 8/12/2010 8:46:35 AM |
| wise-deal-panda | $50.00 | $50.00 | 8/12/2010 9:32:53 AM |
| sammyhammy | $25.00 | $25.00 | 8/12/2010 10:48:57 AM |
| hard-working-loot | $25.00 | $25.00 | 8/12/2010 10:52:52 AM |
| top-courteous-peso | $50.00 | $50.00 | 8/12/2010 11:08:48 AM |
| buddy486 | $25.00 | $25.00 | 8/12/2010 11:47:36 AM |
| Moneypenny6 | $40.00 | $40.00 | 8/12/2010 2:17:42 PM |
| Lesburger | $25.00 | $25.00 | 8/12/2010 4:17:38 PM |
| bid-czar8 | $50.00 | $50.00 | 8/12/2010 7:12:37 PM |
| woodman61 | $25.00 | $25.00 | 8/12/2010 4:22:41 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/12/2010 6:35:18 PM |
| blackstar | $25.00 | $25.00 | 8/13/2010 4:34:11 AM |
| next2 | $25.00 | $25.00 | 8/13/2010 10:06:09 AM |
| Tradesmanlender | $25.00 | $25.00 | 8/13/2010 9:37:01 AM |
| credit-kahuna | $50.00 | $50.00 | 8/13/2010 12:49:44 PM |
| psonicl | $100.00 | $100.00 | 8/13/2010 3:07:23 PM |
| worth-engine5 | $50.00 | $50.00 | 8/13/2010 6:15:24 PM |
| peso-colonel | $50.00 | $50.00 | 8/13/2010 4:47:22 PM |
| ORcowboy | $75.87 | $75.87 | 8/14/2010 12:13:06 AM |
| Kaj | $50.00 | $50.00 | 8/14/2010 11:27:36 AM |
| Ven58 | $25.00 | $25.00 | 8/14/2010 12:17:22 AM |
| gumbit | $59.58 | $59.58 | 8/14/2010 1:38:26 PM |
| oracle3 | $46.12 | $46.12 | 8/14/2010 12:37:56 PM |
| well-rounded-dinero | $25.00 | $25.00 | 8/14/2010 6:03:11 AM |
| CSinvestments | $25.00 | $25.00 | 8/14/2010 9:06:05 AM |
| casaram | $25.00 | $25.00 | 8/14/2010 10:29:27 PM |
| laufer32304 | $50.00 | $50.00 | 8/15/2010 3:17:40 AM |
| mmckune | $25.00 | $25.00 | 8/14/2010 11:32:22 PM |
| AdamClemSC | $25.00 | $25.00 | 8/15/2010 7:49:30 AM |
| Aseop | $25.00 | $25.00 | 8/15/2010 9:30:14 AM |
| hope-hickory | $50.00 | $50.00 | 8/15/2010 9:47:43 AM |
| rmachi | $25.00 | $25.00 | 8/15/2010 1:25:51 PM |
| onlyinchicago | $25.00 | $25.00 | 8/15/2010 1:26:02 PM |
| paradisenow | $25.00 | $25.00 | 8/15/2010 1:26:34 PM |
| busylender35 | $25.00 | $20.17 | 8/15/2010 1:26:37 PM |
| OskiVentures | $25.00 | $25.00 | 8/15/2010 2:17:03 AM |
| treasure-generator | $25.00 | $25.00 | 8/15/2010 1:24:26 PM |
| personal-lender | $25.00 | $25.00 | 8/15/2010 1:25:38 PM |
| bonus-buddy2 | $35.00 | $35.00 | 8/15/2010 1:25:45 PM |
| credit-coach118 | $25.00 | $25.00 | 8/15/2010 6:22:44 AM |
| heavy_ax | $25.00 | $25.00 | 8/15/2010 1:26:10 PM |
| generous-deal6 | $25.00 | $25.00 | 8/15/2010 1:26:21 PM |
| wwwUniversal | $25.00 | $25.00 | 8/15/2010 1:35:01 PM |
| adir1 | $50.00 | $50.00 | 8/15/2010 11:37:12 AM |
| Stonewood | $25.00 | $25.00 | 8/15/2010 6:22:52 PM |
| icchok | $50.00 | $50.00 | 8/15/2010 1:25:33 PM |
| radiant-fund | $25.00 | $25.00 | 8/15/2010 1:25:46 PM |
| bonus-poplar2 | $50.00 | $50.00 | 8/15/2010 1:25:48 PM |
| MrBluesummers | $50.00 | $50.00 | 8/15/2010 1:25:56 PM |
| Dap2005 | $50.00 | $50.00 | 8/15/2010 1:26:04 PM |
| secobarbital | $50.00 | $50.00 | 8/15/2010 1:26:25 PM |
| 181 bids
|
Borrower Payment Dependent Notes Series
470207
This series of Notes was issued and sold upon the funding of the borrower loan #43975, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Aug-05-2010 |
| |
Auction end date:
| Aug-06-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.49% |
Starting monthly payment:
| $67.30 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.49% |
Final monthly payment:
| $67.30 |
| |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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 score (1-10):
| 6 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,735 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| velocity-carrier |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Teaching Supplies
Purpose of loan:
This loan will be used to buy classroom supplies
My financial situation:
I am a good candidate for this loan because I pay off my debts?
Monthly net income: $40605
Monthly expenses: $
??Housing: $ 665
??Insurance: $ 250
??Car expenses: $ 400
??Utilities: $150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| simplelender80 | $100.00 | $100.00 | 8/5/2010 3:08:23 PM |
| personal-lender | $25.00 | $25.00 | 8/5/2010 3:16:05 PM |
| balance-handshake7 | $25.00 | $25.00 | 8/5/2010 3:15:23 PM |
| bid-chuckler | $34.75 | $34.75 | 8/5/2010 3:22:56 PM |
| phredd | $25.00 | $25.00 | 8/5/2010 3:23:01 PM |
| ChristopherS | $25.00 | $25.00 | 8/5/2010 4:43:42 PM |
| nowits10 | $25.00 | $25.00 | 8/5/2010 4:44:24 PM |
| worthy-bid8 | $28.00 | $28.00 | 8/5/2010 4:07:51 PM |
| loyalist1 | $50.00 | $50.00 | 8/5/2010 3:20:33 PM |
| bedframe | $25.00 | $25.00 | 8/5/2010 4:43:12 PM |
| finance-burger | $25.00 | $25.00 | 8/5/2010 4:44:02 PM |
| fairness-kayak | $25.00 | $25.00 | 8/5/2010 4:44:05 PM |
| Najaca | $25.00 | $25.00 | 8/5/2010 4:44:08 PM |
| kashikoe | $25.00 | $25.00 | 8/5/2010 4:44:20 PM |
| gelidfrank | $25.00 | $25.00 | 8/5/2010 4:44:22 PM |
| ValyaLibra01 | $25.00 | $2.25 | 8/5/2010 4:44:37 PM |
| IIP77 | $25.00 | $25.00 | 8/5/2010 4:43:20 PM |
| lowlite6647 | $25.00 | $25.00 | 8/5/2010 4:44:12 PM |
| indomitable-dedication | $25.00 | $25.00 | 8/5/2010 4:44:28 PM |
| selfmademan | $25.00 | $25.00 | 8/5/2010 4:59:50 PM |
| Artist_Blue | $25.00 | $25.00 | 8/5/2010 3:10:03 PM |
| transaction-circuit | $25.00 | $25.00 | 8/5/2010 3:10:21 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/5/2010 3:13:38 PM |
| important-openness1 | $100.00 | $100.00 | 8/5/2010 3:20:56 PM |
| reward-adventure | $30.00 | $30.00 | 8/5/2010 3:15:20 PM |
| patriot897 | $25.00 | $25.00 | 8/5/2010 4:07:50 PM |
| svandgts | $25.00 | $25.00 | 8/5/2010 4:43:03 PM |
| S-Master | $25.00 | $25.00 | 8/5/2010 4:43:39 PM |
| NorthernFunds | $25.00 | $25.00 | 8/5/2010 4:43:44 PM |
| Caerus | $25.00 | $25.00 | 8/5/2010 4:43:58 PM |
| engrossing-commerce | $50.00 | $50.00 | 8/5/2010 4:44:07 PM |
| Comoparklender | $50.00 | $50.00 | 8/5/2010 4:44:31 PM |
| halothane_logic | $25.00 | $25.00 | 8/5/2010 4:43:06 PM |
| admirable-basis1 | $25.00 | $25.00 | 8/5/2010 4:43:33 PM |
| genuine-responsibility8 | $25.00 | $25.00 | 8/5/2010 4:43:51 PM |
| Gixxer600 | $25.00 | $25.00 | 8/5/2010 4:43:59 PM |
| burrito6 | $25.00 | $25.00 | 8/5/2010 4:44:04 PM |
| direct-yield | $25.00 | $25.00 | 8/5/2010 4:44:07 PM |
| winslowdad | $25.00 | $25.00 | 8/5/2010 4:44:09 PM |
| haplender | $50.00 | $50.00 | 8/5/2010 4:44:17 PM |
| sweetlan | $25.00 | $25.00 | 8/5/2010 4:13:18 PM |
| norcaliboy22 | $25.00 | $25.00 | 8/5/2010 4:43:09 PM |
| jasonrossi11 | $30.00 | $30.00 | 8/5/2010 4:43:18 PM |
| macbeck22 | $25.00 | $25.00 | 8/5/2010 4:43:29 PM |
| bonus-chosen-one | $25.00 | $25.00 | 8/5/2010 4:43:48 PM |
| bassman2 | $25.00 | $25.00 | 8/5/2010 4:44:11 PM |
| studious-principal5 | $25.00 | $25.00 | 8/5/2010 4:44:15 PM |
| Kqwik | $25.00 | $25.00 | 8/5/2010 5:16:50 PM |
| interstellar | $50.00 | $50.00 | 8/5/2010 11:14:28 PM |
| 49 bids
|
Borrower Payment Dependent Notes Series
470381
This series of Notes was issued and sold upon the funding of the borrower loan #43992, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Aug-09-2010 |
| |
Auction end date:
| Aug-16-2010 |
|
|
Starting lender yield:
| 12.65% |
Starting borrower rate/APR:
| 13.65% / 15.80% |
Starting monthly payment:
| $204.05 |
|
Final lender yield:
| 12.65% |
Final borrower rate/APR:
| 13.65% / 15.80% |
Final monthly payment:
| $204.05 |
| |
|
Auction yield range:
| 5.89% - 12.65% |
Estimated loss impact:
| 5.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1988 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,220 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| studious-wealth46 |
Borrower's state:
| Nebraska |
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:
| 6 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Jan-2010)
|
|
Principal balance:
| $8,500.23 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Trying to get caught up
Purpose of loan:
This loan will be used to? repair my car. Nearly half of this loan is needed to repair my car.?The head gasket, water pump and front brakes were just replaced. The only way I had to pay for them was with a credit card. Now I feel like I'm getting behind on all my bills because of the outstanding balance and the high interest rates being charged on this card.
My financial situation:
I am a good candidate for this loan because? I hate owing money. I want to get this paid off as soon as I can.
Monthly net income: $ 1711.82
Monthly expenses: $
??Housing: $ 425.00
??Insurance: $ 50.00
??Car expenses: $ 120.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 240.00
??Clothing, household expenses $?100.00
??Credit cards and other loans: $ 500.00 +
??Other expenses: $ any that's left...
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 interest rate and minimum monthly payment on the card you're paying off? - payout-reaction740
A:
Interest rate is 15.24% (variable). Minimum payment due $52.00. Interest charged on last statement $30.60
(Aug-10-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Weaverville | $50.00 | $50.00 | 8/9/2010 2:44:01 PM |
| Artist_Blue | $25.00 | $25.00 | 8/9/2010 2:44:50 PM |
| richboy56 | $50.00 | $50.00 | 8/9/2010 2:45:01 PM |
| Picopie | $50.00 | $50.00 | 8/9/2010 2:48:38 PM |
| income-fortress | $25.00 | $25.00 | 8/9/2010 2:49:39 PM |
| xstreamin | $25.00 | $25.00 | 8/9/2010 2:49:53 PM |
| jigsaw | $100.00 | $100.00 | 8/9/2010 2:50:05 PM |
| enthralling-deal180 | $54.78 | $54.78 | 8/9/2010 2:50:28 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/9/2010 2:50:39 PM |
| paymentologist | $25.00 | $25.00 | 8/9/2010 2:53:09 PM |
| rescue | $50.00 | $50.00 | 8/9/2010 2:53:45 PM |
| objective-investor | $100.00 | $100.00 | 8/9/2010 2:54:30 PM |
| ichibon | $100.00 | $100.00 | 8/9/2010 2:54:46 PM |
| ddog0224 | $25.00 | $25.00 | 8/9/2010 2:54:53 PM |
| socrates520 | $50.00 | $50.00 | 8/9/2010 2:55:09 PM |
| hitsman | $100.00 | $100.00 | 8/9/2010 2:55:44 PM |
| fishintime | $25.00 | $25.00 | 8/9/2010 2:56:56 PM |
| LenderDan | $50.00 | $50.00 | 8/9/2010 2:50:55 PM |
| 52digital | $25.00 | $25.00 | 8/9/2010 2:57:55 PM |
| spaceman1645 | $100.00 | $100.00 | 8/9/2010 2:59:29 PM |
| important-openness1 | $100.00 | $100.00 | 8/9/2010 3:00:39 PM |
| riproaringrapids | $25.00 | $25.00 | 8/9/2010 2:56:19 PM |
| Supernick | $50.00 | $50.00 | 8/9/2010 2:59:05 PM |
| fabulous-community4 | $150.00 | $150.00 | 8/9/2010 3:03:17 PM |
| buraky | $25.00 | $25.00 | 8/9/2010 3:53:12 PM |
| GElender | $50.00 | $50.00 | 8/9/2010 4:02:46 PM |
| cablenews | $50.00 | $50.00 | 8/9/2010 7:08:23 PM |
| platinum-optimization1 | $25.00 | $25.00 | 8/9/2010 8:28:01 PM |
| Krozy | $25.00 | $25.00 | 8/9/2010 8:34:05 PM |
| tranquil-return4 | $25.00 | $25.00 | 8/10/2010 3:17:46 AM |
| MARSTUN | $50.00 | $50.00 | 8/10/2010 9:27:53 AM |
| blue-useful-auction | $25.00 | $25.00 | 8/10/2010 10:30:51 AM |
| wonderful-revenue0 | $25.00 | $25.00 | 8/10/2010 12:02:45 PM |
| helpishere777 | $25.00 | $25.00 | 8/10/2010 9:22:54 PM |
| inspired-investment8 | $100.00 | $63.12 | 8/10/2010 10:17:51 PM |
| atomantic | $25.00 | $25.00 | 8/10/2010 7:02:53 PM |
| Manvel | $25.00 | $25.00 | 8/11/2010 8:27:01 AM |
| flexible-vigilance7 | $25.00 | $25.00 | 8/12/2010 7:19:16 AM |
| snowyowl | $50.00 | $50.00 | 8/12/2010 11:31:30 AM |
| haryassman | $25.00 | $25.00 | 8/12/2010 3:08:03 PM |
| integrity-cowbell | $25.00 | $25.00 | 8/12/2010 4:02:15 PM |
| wwwUniversal | $25.00 | $25.00 | 8/12/2010 6:35:29 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/12/2010 6:47:24 PM |
| Pod1313 | $25.00 | $25.00 | 8/13/2010 3:02:13 AM |
| mlpinz | $100.00 | $100.00 | 8/13/2010 10:15:36 AM |
| rsirois | $25.00 | $25.00 | 8/13/2010 6:07:56 PM |
| Crom | $53.00 | $53.00 | 8/14/2010 6:30:57 AM |
| Nailman88 | $25.00 | $25.00 | 8/14/2010 11:15:06 AM |
| top-courteous-peso | $250.00 | $250.00 | 8/14/2010 12:32:01 PM |
| market-jam | $48.06 | $48.06 | 8/13/2010 10:55:34 PM |
| silver-mastery | $25.00 | $25.00 | 8/14/2010 12:32:04 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 8/15/2010 1:22:34 PM |
| all_of_that_one | $25.00 | $25.00 | 8/15/2010 1:32:00 PM |
| pokerfan | $25.00 | $25.00 | 8/15/2010 5:43:05 PM |
| Richmp412 | $25.00 | $25.00 | 8/16/2010 8:01:18 AM |
| yield-lion2 | $30.00 | $30.00 | 8/16/2010 9:37:00 AM |
| selfmademan | $25.00 | $25.00 | 8/16/2010 10:29:17 AM |
| malcolmreynolds | $25.00 | $25.00 | 8/16/2010 10:34:14 AM |
| Asailorman | $25.00 | $25.00 | 8/16/2010 10:35:34 AM |
| cpbreton | $25.00 | $25.00 | 8/16/2010 12:42:04 PM |
| ray1051 | $25.00 | $25.00 | 8/9/2010 2:45:33 PM |
| simplelender80 | $250.00 | $250.00 | 8/9/2010 2:46:43 PM |
| tech310 | $100.00 | $100.00 | 8/9/2010 2:47:32 PM |
| credit-investor5 | $50.00 | $50.00 | 8/9/2010 2:50:30 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/9/2010 2:50:45 PM |
| greeninspirit | $25.00 | $25.00 | 8/9/2010 2:53:01 PM |
| Goodlender42 | $25.00 | $25.00 | 8/9/2010 2:53:20 PM |
| Wellman | $100.00 | $100.00 | 8/9/2010 2:54:11 PM |
| Bio-physicist | $25.00 | $25.00 | 8/9/2010 2:55:22 PM |
| bountiful-durability | $100.00 | $100.00 | 8/9/2010 2:56:23 PM |
| jbaum | $25.00 | $25.00 | 8/9/2010 2:50:18 PM |
| E_G | $50.00 | $50.00 | 8/9/2010 2:58:30 PM |
| BeanCownter | $100.00 | $100.00 | 8/9/2010 2:58:49 PM |
| cathexis | $50.00 | $50.00 | 8/9/2010 2:58:56 PM |
| leeball | $50.00 | $50.00 | 8/9/2010 2:53:26 PM |
| Hogpilot | $25.00 | $25.00 | 8/9/2010 2:59:39 PM |
| chicco | $80.00 | $80.00 | 8/9/2010 3:00:45 PM |
| larrybird | $100.00 | $100.00 | 8/9/2010 2:56:34 PM |
| sensible-trade | $100.00 | $100.00 | 8/9/2010 2:57:07 PM |
| j2ee | $25.00 | $25.00 | 8/9/2010 2:57:12 PM |
| Investoman | $100.00 | $100.00 | 8/9/2010 2:58:38 PM |
| Bookophile | $100.00 | $100.00 | 8/9/2010 2:59:18 PM |
| gochargers | $100.00 | $100.00 | 8/9/2010 7:08:32 PM |
| Easystreet | $25.00 | $25.00 | 8/9/2010 7:08:45 PM |
| bonus-poplar2 | $50.00 | $50.00 | 8/9/2010 7:08:37 PM |
| Panna | $25.00 | $25.00 | 8/9/2010 7:57:44 PM |
| skuba | $25.00 | $25.00 | 8/10/2010 4:43:26 AM |
| the-profit-oracle | $25.00 | $25.00 | 8/9/2010 9:32:17 PM |
| Sol_Invictus | $25.00 | $25.00 | 8/10/2010 8:07:36 AM |
| tedi-tif | $25.00 | $25.00 | 8/10/2010 2:33:13 PM |
| xyzpl | $25.00 | $25.00 | 8/10/2010 3:54:58 PM |
| outofoffice | $25.00 | $25.00 | 8/11/2010 9:48:40 AM |
| market-assembler | $25.00 | $25.00 | 8/12/2010 5:38:44 AM |
| chkrvrty | $25.00 | $25.00 | 8/12/2010 5:38:17 AM |
| MJFinancial | $50.00 | $50.00 | 8/12/2010 7:02:25 AM |
| favorite-commerce | $50.00 | $50.00 | 8/12/2010 8:08:38 AM |
| bid-carrier0 | $25.00 | $25.00 | 8/12/2010 3:12:14 PM |
| Jinco | $75.00 | $75.00 | 8/12/2010 5:03:56 PM |
| Boca | $25.00 | $25.00 | 8/12/2010 6:21:35 PM |
| hidavehi | $26.77 | $26.77 | 8/12/2010 5:02:48 PM |
| KingCroesus | $25.00 | $25.00 | 8/12/2010 6:35:01 PM |
| patriot897 | $50.00 | $50.00 | 8/13/2010 10:16:11 AM |
| mrnazraq | $50.00 | $50.00 | 8/13/2010 2:49:02 PM |
| shneb | $100.00 | $100.00 | 8/13/2010 4:07:24 PM |
| favorite-commerce | $50.00 | $50.00 | 8/13/2010 4:52:37 PM |
| blissful-note7 | $25.00 | $25.00 | 8/13/2010 10:55:49 PM |
| worth-sanctuary9 | $29.27 | $29.27 | 8/13/2010 5:27:46 PM |
| BONSAY | $40.00 | $40.00 | 8/14/2010 8:33:11 AM |
| heerzaquestion | $25.00 | $25.00 | 8/14/2010 5:44:53 AM |
| hidavehi | $45.00 | $45.00 | 8/14/2010 9:51:36 AM |
| favorite-commerce | $50.00 | $50.00 | 8/14/2010 12:32:06 PM |
| sparkmeister | $25.00 | $25.00 | 8/14/2010 12:32:10 PM |
| johnk317 | $100.00 | $100.00 | 8/15/2010 1:13:33 PM |
| George2384 | $25.00 | $25.00 | 8/15/2010 9:46:57 PM |
| jdadverb | $25.00 | $25.00 | 8/16/2010 6:34:05 AM |
| Bidwinner08 | $50.00 | $50.00 | 8/16/2010 9:50:29 AM |
| BrighterSuns | $25.00 | $25.00 | 8/16/2010 11:48:00 AM |
| revenue-appraiser | $40.00 | $40.00 | 8/16/2010 11:39:05 AM |
| Moe87 | $25.00 | $25.00 | 8/16/2010 12:25:52 PM |
| revenue-appraiser | $40.00 | $40.00 | 8/16/2010 11:39:39 AM |
| investment-cluster | $25.00 | $25.00 | 8/16/2010 1:23:01 PM |
| 121 bids
|
Borrower Payment Dependent Notes Series
470383
This series of Notes was issued and sold upon the funding of the borrower loan #44013, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Aug-06-2010 |
| |
Auction end date:
| Aug-09-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $121.59 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $121.59 |
| |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 800-819 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,494 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bold-interest-topper |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvements
Purpose of loan:
This loan will be used to?
Home Improvements: New flooring, paint, yard maint.
My financial situation:
I am a good candidate for this loan because? I have been working for the same employer for 7+ years- good working history, Credit rating is important to me, I have a fiance' that lives with me and pays half the bills and mortgage.
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 1687
??Insurance: $ 167
??Car expenses: $ 545
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ethicalhumanist | $25.00 | $25.00 | 8/6/2010 1:59:09 PM |
| Artist_Blue | $25.00 | $25.00 | 8/6/2010 1:59:30 PM |
| richboy56 | $50.00 | $50.00 | 8/6/2010 2:00:29 PM |
| tech310 | $100.00 | $100.00 | 8/6/2010 2:01:18 PM |
| Picopie | $50.00 | $50.00 | 8/6/2010 2:02:43 PM |
| Weaverville | $25.00 | $25.00 | 8/6/2010 1:59:15 PM |
| jigsaw | $100.00 | $100.00 | 8/6/2010 2:04:32 PM |
| proper-p2p6 | $100.00 | $100.00 | 8/6/2010 2:04:54 PM |
| leeball | $50.00 | $50.00 | 8/6/2010 2:06:07 PM |
| objective-investor | $100.00 | $100.00 | 8/6/2010 2:06:33 PM |
| simplelender80 | $250.00 | $250.00 | 8/6/2010 2:06:38 PM |
| ddog0224 | $25.00 | $25.00 | 8/6/2010 2:06:52 PM |
| luckyldy | $35.00 | $35.00 | 8/6/2010 2:06:55 PM |
| Brown98 | $25.00 | $25.00 | 8/6/2010 2:13:06 PM |
| LenderDan | $50.00 | $50.00 | 8/6/2010 2:04:59 PM |
| dynrep | $75.00 | $75.00 | 8/6/2010 2:50:29 PM |
| docktah | $50.00 | $50.00 | 8/6/2010 2:05:54 PM |
| Wellman | $100.00 | $100.00 | 8/6/2010 2:06:29 PM |
| ichibon | $100.00 | $100.00 | 8/6/2010 2:06:35 PM |
| Bio-physicist | $25.00 | $25.00 | 8/6/2010 2:07:10 PM |
| sensible-trade | $100.00 | $100.00 | 8/6/2010 2:09:05 PM |
| JustMee | $25.00 | $25.00 | 8/6/2010 5:02:12 PM |
| appleblossomlending | $50.00 | $50.00 | 8/6/2010 6:30:14 PM |
| exchange-dreams | $25.00 | $25.00 | 8/6/2010 6:51:05 PM |
| reflective-rupee | $25.00 | $25.00 | 8/6/2010 3:57:23 PM |
| Bank_Of_XL | $50.00 | $50.00 | 8/6/2010 6:47:34 PM |
| rockhound84 | $25.00 | $25.00 | 8/7/2010 7:35:06 AM |
| reflective-rupee | $25.00 | $25.00 | 8/6/2010 11:14:35 PM |
| olin5 | $25.00 | $25.00 | 8/7/2010 8:21:35 AM |
| calbertrand | $25.00 | $25.00 | 8/7/2010 9:05:35 PM |
| proton346 | $25.00 | $25.00 | 8/7/2010 3:12:49 PM |
| credit-panda1 | $25.00 | $25.00 | 8/8/2010 7:02:56 AM |
| SFBank | $200.00 | $200.00 | 8/8/2010 7:32:33 AM |
| Nemo2001 | $25.00 | $25.00 | 8/9/2010 12:01:19 PM |
| abnvette | $25.00 | $25.00 | 8/9/2010 2:39:51 PM |
| yield-cologne | $25.00 | $25.00 | 8/9/2010 5:40:30 PM |
| ray1051 | $25.00 | $25.00 | 8/6/2010 1:59:53 PM |
| xstreamin | $25.00 | $25.00 | 8/6/2010 2:04:27 PM |
| income-fortress | $25.00 | $25.00 | 8/6/2010 2:04:25 PM |
| credit-investor5 | $50.00 | $50.00 | 8/6/2010 2:04:42 PM |
| aurorafinancial | $50.00 | $50.00 | 8/6/2010 2:01:14 PM |
| greeninspirit | $25.00 | $25.00 | 8/6/2010 2:05:55 PM |
| rescue | $50.00 | $50.00 | 8/6/2010 2:06:11 PM |
| socrates520 | $50.00 | $50.00 | 8/6/2010 2:07:02 PM |
| cablenews | $50.00 | $50.00 | 8/6/2010 2:07:20 PM |
| hitsman | $100.00 | $100.00 | 8/6/2010 2:07:28 PM |
| riproaringrapids | $25.00 | $25.00 | 8/6/2010 2:07:49 PM |
| bountiful-durability | $100.00 | $100.00 | 8/6/2010 2:08:03 PM |
| larrybird | $100.00 | $100.00 | 8/6/2010 2:08:15 PM |
| fishintime | $25.00 | $25.00 | 8/6/2010 2:08:33 PM |
| jbaum | $25.00 | $25.00 | 8/6/2010 2:04:35 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/6/2010 2:04:38 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 8/6/2010 2:04:47 PM |
| peterpossum | $25.00 | $15.00 | 8/6/2010 2:37:34 PM |
| paymentologist | $25.00 | $25.00 | 8/6/2010 2:05:59 PM |
| Goodlender42 | $25.00 | $25.00 | 8/6/2010 2:06:01 PM |
| credit-kahuna | $50.00 | $50.00 | 8/6/2010 2:06:17 PM |
| rcc7 | $50.00 | $50.00 | 8/6/2010 2:06:43 PM |
| Akkon | $25.00 | $25.00 | 8/6/2010 2:14:07 PM |
| dynrep | $25.00 | $25.00 | 8/6/2010 2:47:36 PM |
| RandyL3 | $25.00 | $25.00 | 8/6/2010 4:17:32 PM |
| wwwUniversal | $25.00 | $25.00 | 8/6/2010 7:32:37 PM |
| cashhelp | $25.00 | $25.00 | 8/7/2010 1:02:29 PM |
| payment-halo | $25.00 | $25.00 | 8/7/2010 4:14:57 PM |
| KSPHoldings | $25.00 | $25.00 | 8/8/2010 5:03:55 PM |
| one-midas | $25.00 | $25.00 | 8/8/2010 9:31:51 PM |
| chkrvrty | $25.00 | $25.00 | 8/9/2010 8:09:03 AM |
| 108lender | $100.00 | $100.00 | 8/9/2010 8:12:40 AM |
| FinanceEngine | $25.00 | $25.00 | 8/9/2010 9:35:12 AM |
| enthralling-investment | $50.00 | $50.00 | 8/9/2010 11:56:34 AM |
| 70 bids
|
Borrower Payment Dependent Notes Series
470433
This series of Notes was issued and sold upon the funding of the borrower loan #43998, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Aug-09-2010 |
| |
Auction end date:
| Aug-16-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 26.99% |
Final borrower rate/APR:
| 27.99% / 31.97% |
Final monthly payment:
| $62.04 |
| |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 19.87% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.12% | | |
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 score (1-10):
| 4 |
First credit line:
| Sep-2006 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 740-759 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| green-asset-coup |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Repair
Purpose of loan:
This loan will be used to repair my vehicle.
My financial situation:
I am a good candidate for this loan because I am a responsible army veteran with a college degree and have currently been working in the hospitality industry as a Front Desk Manager?for five years. I also live with my grandma and have no monthly bills.
Monthly net income: $ 3800
Monthly expenses: $ 0
??Housing: $ 0
??Insurance: $80
??Car expenses: $300?
??Utilities: $ 0
??Phone, cable, internet: $50
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
You are showing $3800 /month net income, little to no monthly expenses, and no debt. Why do you need a loan to cover your auto repair? Where is the money going? Thank you. - KrauseVentures
A:
The money is going to repair my auto. I got into an accident and need to do some body work on my vehicle. I live with my grandma and normally invest my monthly income into the stock market. So although I could liquidate some funds to pay for my auto, I thought this would be a creative way to build up positive credit history by taking a loan out. At this same time not having to take my funds away from the market.
Thank you for your question
(Aug-12-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DonDiego | $25.00 | $25.00 | 8/11/2010 11:20:59 PM |
| vest_vortex | $25.00 | $25.00 | 8/13/2010 5:36:26 PM |
| diligent-moola9 | $26.14 | $26.14 | 8/13/2010 6:21:20 PM |
| PotatoLender | $25.00 | $25.00 | 8/13/2010 4:39:12 PM |
| gardenofeden | $25.00 | $25.00 | 8/13/2010 11:14:16 PM |
| bst | $41.99 | $41.99 | 8/13/2010 8:14:45 PM |
| Snoopylover | $25.00 | $25.00 | 8/13/2010 9:26:33 PM |
| brondero | $100.00 | $100.00 | 8/14/2010 9:47:17 AM |
| wlm3012 | $25.00 | $25.00 | 8/14/2010 10:47:05 AM |
| micsupra | $40.00 | $40.00 | 8/14/2010 4:23:08 PM |
| malomar66 | $50.00 | $50.00 | 8/15/2010 8:37:24 PM |
| octoberfresh | $25.00 | $25.00 | 8/16/2010 6:55:13 AM |
| ZOOOM | $25.00 | $25.00 | 8/16/2010 7:20:32 AM |
| loan-eagle9 | $25.00 | $25.00 | 8/16/2010 8:18:35 AM |
| Tahoeman | $25.00 | $25.00 | 8/16/2010 12:41:44 PM |
| DMKAssetManagement | $70.08 | $70.08 | 8/16/2010 11:08:49 AM |
| paceme1 | $39.99 | $39.99 | 8/16/2010 10:21:24 AM |
| Happyhourcomics | $25.00 | $25.00 | 8/16/2010 12:11:04 PM |
| Top_Gun_Lender | $26.00 | $26.00 | 8/16/2010 12:38:22 PM |
| farchoir | $25.00 | $25.00 | 8/16/2010 2:34:09 PM |
| nodebt2012 | $50.00 | $50.00 | 8/11/2010 8:08:12 AM |
| MoneyBag4366 | $50.00 | $50.00 | 8/12/2010 4:00:36 PM |
| ComputerCash25 | $25.00 | $25.00 | 8/13/2010 4:03:42 AM |
| twjh | $25.00 | $25.00 | 8/13/2010 10:33:18 PM |
| TFAD72 | $25.00 | $25.00 | 8/14/2010 6:56:50 AM |
| MrPie | $25.00 | $25.00 | 8/14/2010 2:00:07 PM |
| quest0 | $25.00 | $25.00 | 8/15/2010 4:39:07 PM |
| prominence8 | $25.00 | $25.00 | 8/15/2010 9:52:29 PM |
| capital-kingdom | $25.00 | $25.00 | 8/16/2010 7:35:34 AM |
| kendigme | $25.00 | $25.00 | 8/16/2010 4:30:10 AM |
| scamps | $25.00 | $25.00 | 8/15/2010 9:50:57 PM |
| MSLendingLLC | $40.89 | $5.80 | 8/16/2010 6:46:59 AM |
| thomas16882004 | $25.00 | $25.00 | 8/16/2010 10:34:16 AM |
| PropertyInvest | $25.00 | $25.00 | 8/16/2010 9:55:56 AM |
| order-bee1 | $300.00 | $300.00 | 8/16/2010 2:32:16 PM |
| LaBamba | $100.00 | $100.00 | 8/16/2010 2:36:06 PM |
| samseth | $25.00 | $25.00 | 8/16/2010 2:18:05 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
470571
This series of Notes was issued and sold upon the funding of the borrower loan #43987, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Aug-09-2010 |
| |
Auction end date:
| Aug-15-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $112.17 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $112.17 |
| |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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 score (1-10):
| 5 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 680-699 (Jul-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 24y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $541 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 56% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| liberty-prospector0 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Replacing Appliances
Purpose of loan:
This loan will be used to?
Too replace leaking appliances
My financial situation:
I am a good candidate for this loan because?
I don't owe out much $
Monthly net income: $
Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 99
??Food, entertainment: $?200
??Clothing, household expenses $?100
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 8/9/2010 2:46:04 PM |
| simplelender80 | $100.00 | $100.00 | 8/9/2010 2:47:44 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/9/2010 2:49:29 PM |
| reward-adventure | $30.00 | $30.00 | 8/9/2010 2:51:24 PM |
| important-openness1 | $100.00 | $100.00 | 8/9/2010 2:56:07 PM |
| principal-mermaid | $300.30 | $300.30 | 8/10/2010 2:08:31 PM |
| abnvette | $25.00 | $25.00 | 8/10/2010 12:10:15 PM |
| larrybird | $100.00 | $100.00 | 8/10/2010 3:39:44 PM |
| HammerSmith | $25.00 | $25.00 | 8/10/2010 6:40:17 PM |
| timepassport | $50.00 | $50.00 | 8/10/2010 6:48:39 PM |
| loyalist1 | $50.00 | $50.00 | 8/10/2010 5:13:06 PM |
| enthralling-deal180 | $100.00 | $100.00 | 8/11/2010 11:17:47 AM |
| kind-bill-supporter | $25.00 | $25.00 | 8/11/2010 2:18:09 PM |
| precious-coin3 | $25.00 | $25.00 | 8/12/2010 6:32:54 AM |
| ComputerCash25 | $25.00 | $25.00 | 8/12/2010 7:55:23 AM |
| reflective-rupee | $25.00 | $25.00 | 8/12/2010 2:32:57 PM |
| asiaratt | $50.00 | $50.00 | 8/12/2010 3:33:45 PM |
| leodaguy | $100.00 | $100.00 | 8/12/2010 3:33:07 PM |
| Rogesparkguy | $25.00 | $25.00 | 8/12/2010 3:50:10 PM |
| gelidfrank | $25.00 | $25.00 | 8/12/2010 7:43:20 PM |
| frogperson | $100.00 | $100.00 | 8/12/2010 9:51:52 PM |
| sensible-trade | $50.00 | $50.00 | 8/13/2010 3:00:36 PM |
| lillian27 | $50.00 | $5.10 | 8/13/2010 3:00:42 PM |
| Evolver | $39.60 | $39.60 | 8/13/2010 3:16:28 PM |
| tech310 | $25.00 | $25.00 | 8/13/2010 3:00:32 PM |
| PotatoLender | $25.00 | $25.00 | 8/13/2010 4:40:23 PM |
| Ven58 | $25.00 | $25.00 | 8/13/2010 9:24:29 PM |
| interstellar | $50.00 | $50.00 | 8/13/2010 9:41:03 PM |
| a-successful-credit | $25.00 | $25.00 | 8/14/2010 2:22:13 AM |
| unger | $50.00 | $50.00 | 8/14/2010 8:19:45 AM |
| siafu_kali | $25.00 | $25.00 | 8/14/2010 4:28:17 AM |
| Bob450 | $25.00 | $25.00 | 8/14/2010 7:39:25 PM |
| fund-secret-agent | $25.00 | $25.00 | 8/15/2010 3:16:50 PM |
| top-courteous-peso | $25.00 | $25.00 | 8/9/2010 2:47:52 PM |
| balance-handshake7 | $25.00 | $25.00 | 8/9/2010 2:51:44 PM |
| personal-lender | $25.00 | $25.00 | 8/9/2010 2:52:29 PM |
| zone8 | $25.00 | $25.00 | 8/9/2010 8:12:42 PM |
| pembull | $25.00 | $25.00 | 8/10/2010 7:51:28 AM |
| cablenews | $25.00 | $25.00 | 8/10/2010 1:39:39 PM |
| kegs | $100.00 | $100.00 | 8/10/2010 3:39:37 PM |
| Quest4euphoria | $25.00 | $25.00 | 8/10/2010 10:37:27 PM |
| bchen78875 | $25.00 | $25.00 | 8/11/2010 2:40:41 AM |
| copper | $50.00 | $50.00 | 8/12/2010 3:33:16 PM |
| new-social-economist | $25.00 | $25.00 | 8/12/2010 5:17:40 PM |
| bid-czar8 | $50.00 | $50.00 | 8/12/2010 7:13:08 PM |
| AlexTrep | $25.00 | $25.00 | 8/13/2010 6:03:28 AM |
| roblender | $25.00 | $25.00 | 8/13/2010 1:13:04 PM |
| Wachocia | $25.00 | $25.00 | 8/13/2010 3:14:04 PM |
| tolerant-interest4 | $25.00 | $25.00 | 8/13/2010 2:55:24 PM |
| richboy56 | $25.00 | $25.00 | 8/13/2010 2:55:30 PM |
| loss-of-control | $25.00 | $25.00 | 8/13/2010 6:07:34 PM |
| sweet-payout5 | $25.00 | $25.00 | 8/14/2010 6:58:59 AM |
| dynrep | $25.00 | $25.00 | 8/14/2010 12:06:26 PM |
| wlm3012 | $25.00 | $25.00 | 8/14/2010 11:38:32 AM |
| payment-halo | $25.00 | $25.00 | 8/14/2010 5:53:34 PM |
| sensational-dollar | $25.00 | $25.00 | 8/15/2010 7:01:16 AM |
| truth-trapper | $25.00 | $25.00 | 8/15/2010 9:56:57 AM |
| aultraman | $25.00 | $25.00 | 8/15/2010 10:40:14 AM |
| lucrative-coin | $50.00 | $50.00 | 8/15/2010 8:06:25 AM |
| 59 bids
|
Borrower Payment Dependent Notes Series
470727
This series of Notes was issued and sold upon the funding of the borrower loan #44010, 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:
| 24.0% |
Auction start date:
| Aug-10-2010 |
| |
Auction end date:
| Aug-17-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $271.42 |
|
Final lender yield:
| 26.00% |
Final borrower rate/APR:
| 27.00% / 30.54% |
Final monthly payment:
| $244.95 |
| |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 25.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.50% | | |
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 score (1-10):
| 3 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 600-619 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 22
/
16 | Length of status: | 21y 2m |
|
Amount delinquent:
| $582 |
Total credit lines:
| 43 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,048 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| tjsmom1006 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 44 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $5,715.00 | < 31 days late:
| 0
( 0% )
| 520-539
(Mar-2008)
520-539
(Sep-2007)
540-559
(Aug-2007)
540-559
(Feb-2007)
|
|
Principal balance:
| $1,448.74 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 44 | | |
Description
3RD LOAN, AND NOT ONE LATE PAYMENT!
Hello and Thank you for viewing my listing. This is now part 3 of my Debt Cleaning process. I was blessed to get 2 Prosper Loans to pay off my debt and have not had one late payment. I currently owe $1470 on my second prosper loan but plan to pay if off in full if I am funded for this loan.For the past 3 years I have been working aggressively hard to pay off my debt and delinquent accounts from many years ago. My credit score has increased 60 points. My delinquent accounts are down from 10 to 1. My delinquent amount is down from $7744 to $582. The last delinquent account will be cleared in a couple of months.
Purpose of Loan: The purpsoe of this loan is to continue my debt consolidation process and continue building good credit and trust with prosper which I have done for the last 3 years!!!
My Job: I work for a Medical Group in Beverly Hills. I am a Supervisor of the Health Information Department. I have been with the company 21 years.
My Salary: My Current Monthly Income is $3000.00.
My Monthly Budget:
Rent $650.00
Car Payment $273
Insurance $80
Cell $100
Cable/Internet $70
Clothing $100
Entertainment $100
2nd Prosper loan $200.16 (Will be paid off with this prosper loan)
Linclon Financial Loan $400
Credit Cards $300
Total Monthly Budget $2273.16
I will have enough left over to double up on my?prosper payments and pay ahead of schedule as I did?with my first 2 loans. With this loan?I ?can finally get out of HR status and be on my way to raising my score even more and?to a more worthy credit score. I am proud of myself and I definitely want to continue?on this journey. Thank you for your time!!!!!!!!?? God Bless :-)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please list each of your debts, and the interest rates and monthly payments for each. Thanks and best wishes. - reflective-rupee
A:
Hi Reflective-Rupee
My Debts are as follows:
Current Prosper Loan (Balance will be approx $1270 after I make my payment this Tuesday 8-17-10) Interest 30% Monthly Payment $200.16
Capital One #1 ($1100 Int 13.15 Payment $50.00)
Capital One #2 ($700 Interest 19.80 Payment $50.00)
Continental Finance $1000 (Int rate approx 19-24% Payment $50
Emblem Mastercard $800 (Int rate approx 19-24% Payment $50
Affirm Mastercard $1000 (Int rate 19-24% Payment $50.00
(Aug-13-2010)
Q:
Why is your revolving debt up since the time of your last Prosper loan? Thanks. - reflective-rupee
A:
Hi again Reflective-Rupee
My revolving debt is up since my last loan because my dad had to have a triple bypass and his insurance is limited. Me and my brothers chipped him to help with some of the bills. It was actually higher but I have been able to knock off a couple of thousand before applying for another prosper loan. I just want the convenience of one payment and paying out less monthly!!
(Aug-13-2010)
Q:
Exceptional prosper record. Nice increase in credit score, good cash flow and dq's handled. How is the Prosper loan beneficial to you since the rate is above your existing Debt which you could just accelerate the payments on? - quickstep
A:
Hi Quickstep. I want to secure another Prosper loan for 4 reasons. Even though the interest rate is higher I want one payment which makes it easier to tackle the debt and pay if off faster. 2. To free up more available credit to raise credit score and eventually get better lower interest credit 3.continue building a flawless reputation with Prosper and 4. Continue building more good credit for my Credit Reports. I am paying my dues now but it will be worth it later :-)
(Aug-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| UCLA4life | $35.00 | $35.00 | 8/10/2010 3:17:48 PM |
| myutmost | $50.00 | $50.00 | 8/10/2010 8:13:57 PM |
| RainyDayFunds | $50.00 | $50.00 | 8/11/2010 10:16:58 AM |
| wlm3012 | $25.00 | $25.00 | 8/14/2010 12:04:44 PM |
| Aberdeen | $400.00 | $400.00 | 8/14/2010 5:42:18 PM |
| Aberdeen | $400.00 | $400.00 | 8/14/2010 5:42:13 PM |
| first-aggresive-platinum | $50.00 | $50.00 | 8/16/2010 10:03:48 AM |
| jhouman | $25.00 | $25.00 | 8/16/2010 3:35:35 PM |
| ustfu | $25.00 | $25.00 | 8/16/2010 4:08:05 PM |
| Leshan | $100.00 | $100.00 | 8/16/2010 8:16:59 PM |
| intelligent-reward7 | $25.00 | $25.00 | 8/16/2010 11:13:48 PM |
| Moe87 | $50.00 | $50.00 | 8/17/2010 3:43:17 AM |
| brondero | $85.00 | $85.00 | 8/16/2010 6:26:08 PM |
| debt-legend | $25.00 | $25.00 | 8/17/2010 7:27:38 AM |
| sturdy-velocity6 | $25.00 | $25.00 | 8/17/2010 7:52:30 AM |
| VJ_Financial | $75.00 | $75.00 | 8/17/2010 8:05:45 AM |
| thankful-nickel2 | $25.00 | $25.00 | 8/17/2010 8:41:45 AM |
| sharp518 | $37.89 | $37.89 | 8/17/2010 8:57:17 AM |
| hillerod | $25.00 | $25.00 | 8/17/2010 11:09:47 AM |
| beans53 | $25.00 | $25.00 | 8/17/2010 11:26:47 AM |
| draggon77 | $25.00 | $25.00 | 8/17/2010 12:26:28 PM |
| JTRADER056 | $35.00 | $35.00 | 8/17/2010 10:32:32 AM |
| redhead21 | $78.42 | $78.42 | 8/17/2010 12:33:59 PM |
| briskdevl07 | $25.00 | $25.00 | 8/17/2010 11:27:50 AM |
| Amber_Stone | $150.00 | $150.00 | 8/17/2010 1:40:18 PM |
| JauaFlash | $25.18 | $25.18 | 8/17/2010 12:31:21 PM |
| cashasaurus0 | $200.00 | $20.25 | 8/17/2010 1:00:19 PM |
| loanman2007 | $200.00 | $200.00 | 8/17/2010 1:41:46 PM |
| Kash2010lu | $75.00 | $75.00 | 8/17/2010 2:11:21 PM |
| tompau | $25.00 | $25.00 | 8/17/2010 2:27:56 PM |
| SkinnyFish | $25.00 | $25.00 | 8/17/2010 2:21:16 PM |
| Starfin-Capital-Management | $1,000.00 | $1,000.00 | 8/17/2010 2:32:21 PM |
| credit-missile | $25.00 | $25.00 | 8/17/2010 2:40:18 PM |
| credit-missile | $50.00 | $50.00 | 8/17/2010 2:36:55 PM |
| grampy48 | $25.00 | $25.00 | 8/17/2010 2:25:12 PM |
| nanaof7 | $25.00 | $25.00 | 8/17/2010 2:41:33 PM |
| RainyDayFunds | $25.00 | $25.00 | 8/10/2010 4:30:48 PM |
| Aberdeen | $400.00 | $400.00 | 8/14/2010 5:42:18 PM |
| WonByOne | $25.00 | $25.00 | 8/15/2010 2:11:29 AM |
| Aberdeen | $500.00 | $500.00 | 8/14/2010 5:42:12 PM |
| mosfilmguy23 | $131.66 | $131.66 | 8/15/2010 4:55:41 PM |
| Top_Gun_Lender | $51.00 | $51.00 | 8/16/2010 12:42:53 PM |
| lucky2 | $100.00 | $100.00 | 8/16/2010 3:45:16 PM |
| Bobtep23 | $36.63 | $36.63 | 8/16/2010 5:58:28 PM |
| taetrade | $25.00 | $25.00 | 8/16/2010 7:42:44 PM |
| peso-miser | $30.49 | $30.49 | 8/16/2010 8:12:30 PM |
| ralf206 | $25.00 | $25.00 | 8/16/2010 6:47:55 PM |
| bughead | $25.00 | $25.00 | 8/17/2010 10:10:10 AM |
| velocity-squadron | $28.58 | $28.58 | 8/17/2010 10:20:48 AM |
| bizzzond | $1,000.00 | $1,000.00 | 8/17/2010 12:03:58 AM |
| jrgdnn12 | $25.00 | $25.00 | 8/17/2010 2:52:47 AM |
| POLRBEAR | $44.90 | $44.90 | 8/17/2010 11:34:47 AM |
| DasMula | $25.00 | $25.00 | 8/17/2010 1:41:14 PM |
| crw1950 | $50.00 | $50.00 | 8/17/2010 1:40:06 PM |
| cold1 | $25.00 | $25.00 | 8/17/2010 2:37:56 PM |
| FinanceEngine | $30.00 | $30.00 | 8/17/2010 2:36:21 PM |
| skaught | $30.00 | $30.00 | 8/17/2010 2:42:29 PM |
| 57 bids
|
Borrower Payment Dependent Notes Series
470915
This series of Notes was issued and sold upon the funding of the borrower loan #43984, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% |
Auction start date:
| Aug-11-2010 |
| |
Auction end date:
| Aug-18-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $180.71 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $180.71 |
| |
|
Auction yield range:
| 10.89% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
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 score (1-10):
| 6 |
First credit line:
| Jul-1986 |
Debt/Income ratio:
| 47% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $66,454 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bighopes2001 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 30 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2010)
680-699
(Dec-2007)
|
|
Principal balance:
| $2,954.51 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Putting on a new roof
Purpose of loan:
This loan will be used to? replace my roof
My financial situation:
I am a good candidate for this loan because?I have always paid my bill on time and have also paid my prosper loan on time?
Monthly net income: $ 8400 (this does not include my husband income)
Monthly expenses: $ 3370
??Housing: $
??Insurance: $ 100
??Car expenses: $600
??Utilities: $150
??Phone, cable, internet: $150
??Food, entertainment: $ 250
??Clothing, household expenses $120
??Credit cards and other loans: $ 2000
??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:
You list the purpose of the loan as a new roof; but your listing indicates you are not a home owner. Could you explain please? Thanks - jgar_O
A:
my husband owns and pays for the house. it was his before i married , but I live and help maintain and pay taxes. If he dies the house is mine. We both were older when we married and was easier to keep our money spearated. Please let me know if this helps answer you question. And Thanks for asking.
(Aug-11-2010)
Q:
"If he dies the house is mine."
Is this a positive or a negative for you..just kidding :)
You should take a look at a product called Decra. No need to tear off your old roof and it is a phenomenol product. Good Luck! - hamster
A:
thanks - i will look into it
(Aug-17-2010)
Q:
Your first listing requested $6k for the roof and you subsequent listing only requests $4.5k. Has the quote changed for the total cost, a typo or are you contributing the difference? Thanks for the great payment history. - HenlopenCapital
A:
we have sold some stock for the rest.
(Aug-17-2010)
Q:
Hi,
How old are you? when will you retire?
If for some reason, you can not repay the loan, will your husband help you to pay?
Thanks, - p2ploan-sensation211
A:
43 years old - I will retire after 65, if then I love to work. Yes my husband would help me pay amy of bills if needed. But unless something unthinkable happened I would always pay. I have never not paid or late with any bill.
(Aug-18-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reward-adventure | $30.00 | $30.00 | 8/11/2010 2:32:45 PM |
| personal-lender | $25.00 | $25.00 | 8/11/2010 2:33:14 PM |
| Artist_Blue | $25.00 | $25.00 | 8/11/2010 2:35:30 PM |
| Comoparklender | $25.00 | $25.00 | 8/11/2010 11:27:33 PM |
| Flying_Tilapia | $36.00 | $36.00 | 8/12/2010 3:27:42 PM |
| Moe87 | $75.00 | $75.00 | 8/15/2010 6:26:21 AM |
| McDeeter | $50.00 | $50.00 | 8/16/2010 8:59:50 AM |
| yield-lion2 | $30.00 | $30.00 | 8/16/2010 9:37:09 AM |
| BrighterSuns | $25.00 | $25.00 | 8/16/2010 11:57:22 AM |
| new-smart-fund | $50.00 | $50.00 | 8/16/2010 3:34:27 PM |
| JustMee | $25.00 | $25.00 | 8/16/2010 5:15:03 PM |
| tech310 | $50.00 | $50.00 | 8/16/2010 11:43:09 PM |
| tompau | $25.00 | $25.00 | 8/17/2010 6:56:31 AM |
| Kelor99 | $25.00 | $25.00 | 8/17/2010 12:17:20 PM |
| bold-attentive-listing | $25.00 | $25.00 | 8/17/2010 1:45:41 PM |
| enthusiastic-balance5 | $50.00 | $50.00 | 8/17/2010 1:35:11 PM |
| best-commanding-funds | $25.00 | $25.00 | 8/17/2010 1:40:36 PM |
| us957165 | $25.00 | $25.00 | 8/17/2010 1:56:51 PM |
| Bob450 | $29.00 | $29.00 | 8/17/2010 2:49:46 PM |
| wonder3 | $35.00 | $35.00 | 8/17/2010 3:50:36 PM |
| good4loan | $25.00 | $25.00 | 8/17/2010 3:29:25 PM |
| COtheBeast | $25.00 | $25.00 | 8/17/2010 3:59:46 PM |
| Reliance_Banker | $42.99 | $42.99 | 8/17/2010 5:49:30 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 8/17/2010 8:21:21 PM |
| profitable-balance | $25.00 | $25.00 | 8/17/2010 9:03:33 PM |
| FinanceEngine | $25.00 | $25.00 | 8/17/2010 4:55:56 PM |
| adventure0 | $100.00 | $100.00 | 8/17/2010 7:26:11 PM |
| colorfulgardener | $25.00 | $25.00 | 8/18/2010 6:21:10 AM |
| Leshan | $200.00 | $200.00 | 8/18/2010 6:36:55 AM |
| HenlopenCapital | $25.00 | $25.00 | 8/18/2010 8:29:06 AM |
| five-star-bonus6 | $25.00 | $25.00 | 8/18/2010 8:25:35 AM |
| calbertrand | $25.00 | $25.00 | 8/18/2010 9:49:37 AM |
| ag-ventures | $25.00 | $25.00 | 8/18/2010 9:34:41 AM |
| clemclan | $25.00 | $25.00 | 8/18/2010 11:01:50 AM |
| partyplan | $50.00 | $50.00 | 8/18/2010 11:45:29 AM |
| tonyscc | $50.00 | $50.00 | 8/18/2010 1:46:18 PM |
| jcw3rd | $25.00 | $25.00 | 8/18/2010 2:05:25 PM |
| hillerod | $25.00 | $25.00 | 8/18/2010 10:59:19 AM |
| Zipcut | $32.88 | $32.88 | 8/18/2010 1:10:07 PM |
| wise-courageous-social | $25.00 | $25.00 | 8/18/2010 1:29:40 PM |
| discrete-nickel | $100.00 | $100.00 | 8/18/2010 2:15:27 PM |
| CA_Lender | $25.00 | $25.00 | 8/11/2010 2:30:29 PM |
| loyalist1 | $100.00 | $100.00 | 8/11/2010 2:30:48 PM |
| balance-handshake7 | $25.00 | $25.00 | 8/11/2010 2:32:59 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 8/11/2010 2:36:37 PM |
| important-openness1 | $100.00 | $100.00 | 8/11/2010 2:36:19 PM |
| dinero-mason | $50.00 | $50.00 | 8/12/2010 2:53:26 AM |
| Thylow | $25.00 | $25.00 | 8/11/2010 6:55:37 PM |
| Mr-Miracle | $25.00 | $25.00 | 8/11/2010 7:43:27 PM |
| bchen78875 | $25.00 | $21.17 | 8/12/2010 6:08:43 AM |
| fabulous-community4 | $150.00 | $150.00 | 8/12/2010 9:43:14 PM |
| william8 | $30.00 | $30.00 | 8/13/2010 6:58:47 AM |
| ptjg | $25.00 | $25.00 | 8/14/2010 3:32:25 PM |
| autonomous-truth | $25.00 | $25.00 | 8/16/2010 3:38:38 PM |
| Aberdeen | $400.00 | $400.00 | 8/16/2010 11:47:08 PM |
| american-investor | $50.97 | $50.97 | 8/17/2010 7:03:55 AM |
| Aberdeen | $400.00 | $400.00 | 8/16/2010 11:47:08 PM |
| ogbobb | $52.13 | $52.13 | 8/16/2010 7:48:43 PM |
| loanman2007 | $50.00 | $50.00 | 8/17/2010 6:34:40 AM |
| five-star-note | $80.00 | $80.00 | 8/17/2010 11:51:53 AM |
| integrity-doctor | $100.00 | $100.00 | 8/17/2010 12:33:47 PM |
| WonByOne | $25.00 | $25.00 | 8/17/2010 1:13:30 PM |
| five-star-note | $35.00 | $35.00 | 8/17/2010 1:28:50 PM |
| ultimate-dough0 | $25.00 | $25.00 | 8/17/2010 3:35:06 PM |
| ustfu | $25.00 | $25.00 | 8/17/2010 3:52:14 PM |
| brightest-dignified-penny | $25.00 | $25.00 | 8/17/2010 3:59:44 PM |
| bold-attentive-listing | $25.00 | $25.00 | 8/17/2010 3:09:51 PM |
| Whipster | $50.00 | $50.00 | 8/17/2010 4:43:47 PM |
| aganippe | $25.00 | $25.00 | 8/17/2010 7:04:54 PM |
| JJ-Loans | $50.00 | $50.00 | 8/17/2010 4:31:15 PM |
| realtormoises | $25.00 | $25.00 | 8/17/2010 8:32:17 PM |
| wild-orange | $25.00 | $25.00 | 8/18/2010 1:54:52 AM |
| PropertyInvest | $25.00 | $25.00 | 8/18/2010 4:13:48 AM |
| Mikale360 | $25.00 | $25.00 | 8/18/2010 7:28:15 AM |
| drcoop | $25.00 | $25.00 | 8/17/2010 10:50:04 PM |
| thankful-nickel2 | $25.00 | $25.00 | 8/18/2010 6:20:43 AM |
| johnk317 | $25.96 | $25.96 | 8/18/2010 8:00:14 AM |
| NekHoldings | $25.00 | $25.00 | 8/18/2010 7:37:32 AM |
| enthralling-investment | $65.00 | $65.00 | 8/18/2010 7:59:07 AM |
| nerlands | $25.00 | $25.00 | 8/18/2010 9:32:53 AM |
| johnk317 | $79.04 | $79.04 | 8/18/2010 4:05:40 AM |
| principal-laser | $63.84 | $63.84 | 8/18/2010 9:42:03 AM |
| dunrizzo | $44.99 | $44.99 | 8/18/2010 10:38:48 AM |
| vigilance-searcher | $25.00 | $25.00 | 8/18/2010 10:17:21 AM |
| fund-medalist171 | $40.00 | $40.00 | 8/18/2010 10:51:18 AM |
| jhouman | $25.00 | $25.00 | 8/18/2010 1:27:13 PM |
| BOYFROMVEGAS | $26.02 | $26.02 | 8/18/2010 12:02:48 PM |
| Nerdster1 | $25.01 | $25.01 | 8/18/2010 1:58:52 PM |
| favorite-commerce | $25.00 | $25.00 | 8/18/2010 2:17:13 PM |
| genuine-dime | $50.00 | $50.00 | 8/18/2010 11:16:08 AM |
| fairness-atmosphere | $25.00 | $25.00 | 8/18/2010 11:55:11 AM |
| grampy48 | $50.00 | $50.00 | 8/18/2010 1:59:11 PM |
| balanced-balance6 | $25.00 | $25.00 | 8/18/2010 12:32:47 PM |
| payment-halo | $25.00 | $25.00 | 8/18/2010 12:58:01 PM |
| jakdwak | $25.00 | $25.00 | 8/18/2010 2:07:18 PM |
| 95 bids
|
Borrower Payment Dependent Notes Series
470945
This series of Notes was issued and sold upon the funding of the borrower loan #44030, 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:
| 9.8% |
Auction start date:
| Aug-11-2010 |
| |
Auction end date:
| Aug-18-2010 |
|
|
Starting lender yield:
| 17.90% |
Starting borrower rate/APR:
| 18.90% / 24.65% |
Starting monthly payment:
| $36.61 |
|
Final lender yield:
| 17.90% |
Final borrower rate/APR:
| 18.90% / 24.65% |
Final monthly payment:
| $36.61 |
| |
|
Auction yield range:
| 10.89% - 17.90% |
Estimated loss impact:
| 10.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.68% | | |
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
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Prosper score (1-10):
| 8 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 30
/
27 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 58 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,674 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| n777ua |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 28% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 10
( 25% )
| 600-619
(Mar-2008)
600-619
(Feb-2008)
600-619
(Jan-2008)
580-599
(Dec-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 19
( 48% )
|
|
Total payments billed:
| 40 | | |
Description
Little bit of extra cash for honeym
Purpose of loan:
This loan will be used to help finance a trip my wife and I are taking overseas. We're only about $500 off of or budget so we wanted to have some padding for incidentals.
My financial situation:
I am a good candidate for this loan because?.I won't BS anyone here; I've had problems in the past, you can see them right here in black and white. I simply appreciate prosper giving me another chance, and I promise this time there will be no late payments, and everything will run smoothly.
Monthly net income: $6000
Monthly expenses: $
??Housing: $1200
??Insurance: $200
??Car expenses: $140
??Utilities: $225
??Phone, cable, internet: $125
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $1600 on payments to student loans mostly
??Other expenses: $
Please feel free to email me with any questions.
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) |
|
| ssb | $500.00 | $459.54 | 8/11/2010 8:49:39 PM |
| durable-economy2 | $50.00 | $50.00 | 8/12/2010 1:02:43 PM |
| bluebouyz | $31.00 | $31.00 | 8/12/2010 6:37:38 PM |
| ralf206 | $25.00 | $25.00 | 8/12/2010 7:50:32 PM |
| intuitive-bill | $25.00 | $25.00 | 8/15/2010 7:57:42 PM |
| wild-orange | $25.00 | $25.00 | 8/18/2010 1:53:13 AM |
| sunnygee | $34.46 | $34.46 | 8/18/2010 6:23:16 AM |
| ColoradoLender82 | $25.00 | $25.00 | 8/18/2010 8:57:28 AM |
| jcw3rd | $25.00 | $25.00 | 8/18/2010 2:07:45 PM |
| ORcowboy | $25.00 | $25.00 | 8/18/2010 10:35:11 AM |
| Moe87 | $25.00 | $25.00 | 8/17/2010 4:30:37 PM |
| Leshan | $200.00 | $200.00 | 8/18/2010 6:41:06 AM |
| tonyscc | $50.00 | $50.00 | 8/18/2010 1:38:39 PM |
| 13 bids
|
Borrower Payment Dependent Notes Series
471601
This series of Notes was issued and sold upon the funding of the borrower loan #44033, 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:
| 10.8% |
Auction start date:
| Aug-16-2010 |
| |
Auction end date:
| Aug-18-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 33.56% |
Starting monthly payment:
| $41.09 |
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Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 33.56% |
Final monthly payment:
| $41.09 |
| |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
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 score (1-10):
| 7 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
21 | Length of status: | 4y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Administrative Assi... |
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Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,284 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| organic-finance0 |
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
Childcare loan
Purpose of loan:
This loan will be used to pay for my son's childcare for the next month.
My financial situation:
I am a good candidate for this loan because I have a solid credit history and work for a private equity firm that has just gone public. Healthy salary + stock options = financial stability. I am a single full-time working mom who has tapped all other sources of income for the year (last year's bonus, 401k, tax refund) and?am now hoping to get this small loan to take me through the?next month?of paying for childcare. Either my year-end bonus or year-end window of sell option for public stock will ensure that this loan is paid off well prior to the 36-month term date.
Thank you in advance for considering me.
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) |
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| balance-handshake7 | $25.00 | $25.00 | 8/16/2010 2:43:01 PM |
| personal-lender | $25.00 | $25.00 | 8/16/2010 2:44:15 PM |
| Artist_Blue | $25.00 | $25.00 | 8/16/2010 3:33:24 PM |
| dime-beeper | $25.00 | $25.00 | 8/16/2010 8:17:15 PM |
| dcap3 | $50.00 | $50.00 | 8/16/2010 8:53:17 PM |
| simplelender80 | $100.00 | $100.00 | 8/17/2010 7:27:11 AM |
| JustMee | $25.00 | $25.00 | 8/17/2010 11:56:22 AM |
| best-ingenious-funds | $25.00 | $25.00 | 8/17/2010 2:23:51 PM |
| Whipster | $50.00 | $50.00 | 8/17/2010 3:12:23 PM |
| loan-fate | $50.00 | $50.00 | 8/17/2010 3:28:43 PM |
| umfan123 | $25.00 | $25.00 | 8/17/2010 8:56:58 PM |
| platinum-waterfall | $100.00 | $100.00 | 8/18/2010 2:57:53 AM |
| BankOfShaun | $25.00 | $25.00 | 8/18/2010 5:12:11 AM |
| glroark | $50.00 | $50.00 | 8/18/2010 7:09:45 AM |
| greggathelegga | $25.00 | $25.00 | 8/18/2010 8:07:07 AM |
| reflective-rupee | $25.00 | $25.00 | 8/16/2010 2:48:17 PM |
| bid-czar8 | $50.00 | $50.00 | 8/16/2010 2:49:36 PM |
| reward-adventure | $30.00 | $30.00 | 8/16/2010 2:42:37 PM |
| copper | $30.00 | $30.00 | 8/16/2010 3:40:29 PM |
| Dubbs360 | $50.00 | $50.00 | 8/16/2010 10:37:02 PM |
| important-openness1 | $100.00 | $56.56 | 8/17/2010 9:49:14 AM |
| trade-goblin9 | $25.00 | $25.00 | 8/17/2010 2:32:53 PM |
| mercuriant | $25.00 | $25.00 | 8/17/2010 1:36:58 PM |
| yons88 | $33.44 | $33.44 | 8/17/2010 10:09:10 PM |
| ansky127 | $25.00 | $25.00 | 8/18/2010 7:18:38 AM |
| JaceSpade | $25.00 | $25.00 | 8/18/2010 12:09:13 PM |
| 26 bids
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