Sales Report:Supplement No. 44 dated Sep 29, 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
453710
This series of Notes was issued and sold upon the funding of the borrower loan #44592, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.2% |
Auction start date:
| Sep-20-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
Starting lender yield:
| 9.80% |
Starting borrower rate/APR:
| 10.80% / 12.92% |
Starting monthly payment:
| $228.51 |
|
Final lender yield:
| 9.60% |
Final borrower rate/APR:
| 10.60% / 12.71% |
Final monthly payment:
| $227.85 |
| |
|
Auction yield range:
| 3.79% - 9.80% |
Estimated loss impact:
| 3.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.32% | | |
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:
| Dec-1999 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,957 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| NomoredebtCA |
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:
| 0 / 1 |
On-time:
| 28 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $1,785.65 | < 31 days late:
| 0
( 0% )
| 720-739
(Aug-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Debt consolidation and more
Purpose of loan:
This loan will be used to pay off the remaining balance of my credit cards.? With your help, I will pay the balance of my credit cards off completely, cut up the cards, and put the savings on the interest and fees aside for an emergency living fund.
My financial situation:
Since my last prosper loan (3 years ago) my credit score improved by 40 points.? Thanks to the Prosper lending community, I paid off my loans and was able to get back on a good financial track again. The prosper community has had a good experience with me. I was never late on my payments and paid everything off as agreed.
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 did you use the first prosper loan to pay off? - MonkeyHero
A:
Hi MonkeyHero. My first prosper loan was used to pay off a credit card debt in a lumpsum. The card has since been paid off and closed with zero balance.
(Sep-26-2010)
Q:
Greetings,
You say you are employed; what is your current occupation? Please answer publicly. Thanks! - lucrative-durability
A:
Hi lucrative-durability: I'm a manager, thanks.
(Sep-26-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| grampy48 | $50.00 | $50.00 | 9/27/2010 2:09:50 PM |
| ujiba | $25.00 | $25.00 | 9/20/2010 2:41:37 PM |
| meenan | $25.00 | $25.00 | 9/20/2010 2:51:32 PM |
| Aberdeen | $400.00 | $400.00 | 9/20/2010 3:29:29 PM |
| MoneyForNothing | $40.73 | $40.73 | 9/20/2010 5:59:59 PM |
| Proactive-Financial-Lending | $25.00 | $25.00 | 9/21/2010 8:21:05 AM |
| Jassi | $25.00 | $25.00 | 9/21/2010 7:18:45 PM |
| sadani | $25.00 | $25.00 | 9/22/2010 9:33:37 AM |
| shrewd-benjamins | $51.11 | $51.11 | 9/22/2010 9:42:21 AM |
| tedi-tif | $50.00 | $50.00 | 9/22/2010 12:29:41 PM |
| dajen1 | $25.00 | $25.00 | 9/23/2010 1:39:41 PM |
| LittleMingo | $25.00 | $25.00 | 9/23/2010 6:24:55 PM |
| spiff666 | $25.00 | $25.00 | 9/23/2010 6:37:18 PM |
| Sturgee | $25.00 | $25.00 | 9/23/2010 5:54:13 PM |
| tnylight | $74.69 | $74.69 | 9/23/2010 7:25:28 PM |
| rmpedi33 | $100.00 | $100.00 | 9/23/2010 6:12:17 PM |
| sweety075 | $25.00 | $25.00 | 9/23/2010 8:39:05 PM |
| katnmouse | $30.00 | $30.00 | 9/24/2010 10:21:41 AM |
| loanman2007 | $100.00 | $100.00 | 9/24/2010 12:06:21 PM |
| trade-elm | $36.00 | $36.00 | 9/24/2010 12:26:03 PM |
| relierma | $25.00 | $25.00 | 9/24/2010 1:05:39 PM |
| hope-hickory | $25.00 | $25.00 | 9/24/2010 2:54:13 PM |
| prophecy | $50.00 | $50.00 | 9/24/2010 3:29:35 PM |
| OoM | $25.00 | $25.00 | 9/24/2010 3:42:23 PM |
| power-defender7 | $40.00 | $40.00 | 9/24/2010 4:01:44 PM |
| icecoldcash | $25.00 | $25.00 | 9/24/2010 4:47:43 PM |
| RandyL3 | $25.00 | $25.00 | 9/24/2010 4:31:06 PM |
| icecoldcash | $50.00 | $50.00 | 9/24/2010 4:48:17 PM |
| icecoldcash | $50.00 | $50.00 | 9/24/2010 4:48:37 PM |
| LittleMingo | $30.00 | $30.00 | 9/24/2010 5:03:11 PM |
| theloanfiller | $25.00 | $25.00 | 9/24/2010 5:36:10 PM |
| rutzebach | $50.00 | $50.00 | 9/24/2010 5:17:59 PM |
| arenangelchild | $75.00 | $75.00 | 9/24/2010 7:37:50 PM |
| arenangelchild | $25.00 | $25.00 | 9/24/2010 8:07:23 PM |
| blindtaxidriver | $25.00 | $25.00 | 9/25/2010 2:29:16 AM |
| rakey | $25.00 | $25.00 | 9/25/2010 2:44:20 AM |
| Pendruce | $25.00 | $25.00 | 9/25/2010 8:03:42 AM |
| RememberToForget | $50.00 | $50.00 | 9/25/2010 8:22:18 AM |
| tomdooley12520 | $25.00 | $25.00 | 9/25/2010 8:47:37 AM |
| gustavholstopus32 | $25.00 | $25.00 | 9/25/2010 11:23:34 AM |
| SC2TX | $100.00 | $100.00 | 9/25/2010 12:44:14 PM |
| NeketanBank | $25.00 | $25.00 | 9/25/2010 3:14:01 PM |
| AaronL | $25.00 | $25.00 | 9/25/2010 4:34:39 PM |
| gain-aspen | $25.00 | $25.00 | 9/25/2010 7:09:16 PM |
| lukeskywalkerkp | $50.00 | $50.00 | 9/25/2010 10:35:55 PM |
| drluong | $25.00 | $25.00 | 9/26/2010 2:56:07 AM |
| Aberdeen | $400.00 | $400.00 | 9/26/2010 4:17:27 AM |
| doopers | $25.00 | $25.00 | 9/26/2010 7:59:23 AM |
| freefly67 | $25.00 | $25.00 | 9/26/2010 10:50:18 AM |
| famous-marketplace9 | $50.00 | $50.00 | 9/26/2010 9:31:18 AM |
| mlandrid | $50.00 | $50.00 | 9/26/2010 11:33:12 AM |
| Leopoldine | $25.00 | $25.00 | 9/26/2010 11:18:56 AM |
| gjm6d | $25.00 | $25.00 | 9/26/2010 11:41:06 AM |
| debt-legend | $25.00 | $25.00 | 9/26/2010 1:25:22 PM |
| BeaufortBill | $40.00 | $40.00 | 9/26/2010 2:30:26 PM |
| nickel-hickory | $25.00 | $25.00 | 9/26/2010 3:28:10 PM |
| ralf206 | $50.00 | $50.00 | 9/26/2010 4:18:51 PM |
| G-Love | $500.00 | $500.00 | 9/26/2010 6:06:47 PM |
| scloans | $29.44 | $29.44 | 9/27/2010 1:45:12 AM |
| crw1950 | $35.00 | $35.00 | 9/27/2010 7:33:47 AM |
| DoctorJoe | $25.00 | $25.00 | 9/27/2010 5:01:27 AM |
| bunnybear | $49.21 | $49.21 | 9/27/2010 8:57:27 AM |
| rainbowsorbet | $25.00 | $25.00 | 9/27/2010 8:58:46 AM |
| johnk317 | $25.00 | $25.00 | 9/27/2010 8:55:14 AM |
| cathmorcorvus | $50.00 | $50.00 | 9/27/2010 10:37:45 AM |
| Trapman13 | $50.00 | $50.00 | 9/27/2010 10:51:02 AM |
| JustOneVoice | $25.00 | $25.00 | 9/27/2010 11:10:25 AM |
| pinnacle10 | $25.00 | $25.00 | 9/27/2010 1:04:59 PM |
| rce1964 | $25.00 | $25.00 | 9/27/2010 12:33:10 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/27/2010 12:40:05 PM |
| vc4114 | $25.00 | $25.00 | 9/27/2010 1:03:00 PM |
| jtc26 | $100.00 | $100.00 | 9/27/2010 2:06:06 PM |
| toomanyfishtanks | $25.00 | $25.00 | 9/27/2010 1:21:29 PM |
| mflawyer | $100.00 | $100.00 | 9/27/2010 2:03:48 PM |
| velocity-winner | $25.00 | $25.00 | 9/27/2010 1:44:05 PM |
| grampy48 | $75.00 | $75.00 | 9/24/2010 2:12:50 PM |
| availableloan | $25.00 | $25.00 | 9/20/2010 2:38:52 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 9/20/2010 2:55:06 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 9/20/2010 2:55:49 PM |
| penny-plato | $25.00 | $25.00 | 9/20/2010 4:41:44 PM |
| buukyak | $25.00 | $25.00 | 9/21/2010 7:23:09 AM |
| penny-finder | $35.00 | $35.00 | 9/21/2010 8:56:31 AM |
| Cherrypicker | $40.00 | $40.00 | 9/21/2010 10:17:29 AM |
| principal-bull | $25.00 | $25.00 | 9/21/2010 4:38:30 PM |
| lender12345 | $25.00 | $25.00 | 9/22/2010 11:24:06 AM |
| wwwUniversal | $25.00 | $25.00 | 9/22/2010 4:53:16 PM |
| comicgeek | $25.14 | $25.14 | 9/23/2010 8:27:46 AM |
| AuroraRobbin | $50.00 | $50.00 | 9/24/2010 9:28:01 AM |
| fernor | $25.00 | $25.00 | 9/24/2010 9:33:09 AM |
| invincible-wealth2 | $60.00 | $39.29 | 9/24/2010 9:43:01 AM |
| usedtoborrow | $45.76 | $45.76 | 9/24/2010 9:33:31 AM |
| kgauss | $25.00 | $25.00 | 9/24/2010 1:38:15 PM |
| -------Loaner | $50.00 | $50.00 | 9/24/2010 2:56:42 PM |
| ready-agreement5 | $100.00 | $100.00 | 9/24/2010 6:33:49 PM |
| icecoldcash | $50.00 | $50.00 | 9/24/2010 4:48:01 PM |
| atlrealtor | $25.00 | $25.00 | 9/24/2010 7:25:19 PM |
| creative-finance7 | $25.00 | $25.00 | 9/24/2010 7:25:57 PM |
| CHAZGEO6685 | $25.00 | $25.00 | 9/24/2010 8:26:49 PM |
| 340 | $100.00 | $100.00 | 9/24/2010 9:35:55 PM |
| ommuruga | $108.78 | $108.78 | 9/24/2010 9:37:55 PM |
| Snoopylover | $25.00 | $25.00 | 9/25/2010 1:56:08 AM |
| BlessedEveryDay | $30.00 | $30.00 | 9/25/2010 4:36:36 AM |
| noble-marketplace | $25.00 | $25.00 | 9/25/2010 6:57:15 AM |
| Richmp412 | $25.00 | $25.00 | 9/25/2010 7:16:48 AM |
| best-listing-toro | $25.00 | $25.00 | 9/25/2010 9:28:25 AM |
| KFB_Investments | $67.60 | $67.60 | 9/25/2010 12:17:58 PM |
| outofoffice | $75.00 | $75.00 | 9/25/2010 1:53:14 PM |
| Simply2fly | $25.00 | $25.00 | 9/25/2010 4:18:56 PM |
| lt_dt | $25.00 | $25.00 | 9/25/2010 5:47:26 PM |
| TakeCare | $30.00 | $30.00 | 9/25/2010 2:28:44 PM |
| SomebodysMom | $150.00 | $150.00 | 9/25/2010 3:35:12 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/25/2010 3:49:19 PM |
| philantist | $25.00 | $25.00 | 9/25/2010 9:17:38 PM |
| gogrannygo | $25.00 | $25.00 | 9/25/2010 8:40:15 PM |
| Lender0307 | $25.00 | $25.00 | 9/25/2010 6:49:12 PM |
| hidavehi | $77.00 | $77.00 | 9/25/2010 7:47:50 PM |
| one-midas | $25.00 | $25.00 | 9/25/2010 9:34:16 PM |
| liberty-grizzly | $100.00 | $100.00 | 9/26/2010 7:46:29 AM |
| JohnSmith10 | $25.00 | $25.00 | 9/26/2010 8:53:55 AM |
| doc1 | $100.00 | $100.00 | 9/26/2010 12:51:48 PM |
| principal-lion | $200.00 | $200.00 | 9/26/2010 2:04:48 PM |
| RadarLuv | $25.00 | $25.00 | 9/26/2010 5:46:49 PM |
| balance-chestnut | $62.50 | $62.50 | 9/26/2010 6:24:26 PM |
| gunderstone | $25.00 | $25.00 | 9/26/2010 9:35:40 PM |
| Feyenoord | $25.00 | $25.00 | 9/26/2010 8:29:22 PM |
| jchurchi | $100.00 | $100.00 | 9/26/2010 10:07:24 PM |
| magee425 | $25.00 | $25.00 | 9/27/2010 6:30:07 AM |
| George2384 | $25.00 | $25.00 | 9/27/2010 8:00:42 AM |
| Spkthewrd3 | $25.00 | $25.00 | 9/27/2010 10:13:23 AM |
| soular21804 | $25.00 | $25.00 | 9/27/2010 10:23:19 AM |
| theboygenius | $25.00 | $25.00 | 9/27/2010 11:00:53 AM |
| EastBayCapital | $50.00 | $50.00 | 9/27/2010 12:32:57 PM |
| aleong | $25.00 | $25.00 | 9/27/2010 11:48:39 AM |
| ItNoKnot | $30.00 | $30.00 | 9/27/2010 12:33:59 PM |
| trade-structure | $25.00 | $25.00 | 9/27/2010 1:03:57 PM |
| ScottFinance | $25.00 | $25.00 | 9/27/2010 1:20:25 PM |
| AF-Chief | $47.75 | $47.75 | 9/27/2010 1:52:52 PM |
| revenue-appraiser | $25.00 | $25.00 | 9/27/2010 1:57:05 PM |
| LawyerLoan | $25.00 | $25.00 | 9/27/2010 1:24:51 PM |
| fireferd | $40.00 | $40.00 | 9/27/2010 2:15:45 PM |
| myduck | $40.00 | $40.00 | 9/27/2010 2:15:48 PM |
| 141 bids
|
Borrower Payment Dependent Notes Series
462592
This series of Notes was issued and sold upon the funding of the borrower loan #44598, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.6% |
Auction start date:
| Sep-21-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
Starting lender yield:
| 6.00% |
Starting borrower rate/APR:
| 7.00% / 7.34% |
Starting monthly payment:
| $92.63 |
|
Final lender yield:
| 6.00% |
Final borrower rate/APR:
| 7.00% / 7.34% |
Final monthly payment:
| $92.63 |
| |
|
Auction yield range:
| 2.79% - 6.00% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.45% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 860-879 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,222 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Uylsses |
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
Perfect credit, buying furniture
Purpose of loan: Hi, I am looking for a small loan to help with cover some furniture expenses, while I have other money tied into investments. My interest rate on my credit card is @11% so I came to prosper.com to get a better rate.
My financial situation: My credit is impeccable, I own a homeowner and have a stable job.
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
Q:
Wow - not only do you own a home - but you own a homeowner as well!? Seriously though, rarely have I seen such a good credit score - congrats! - JGuide
A:
Haha, yes I noticed this typo (along with another one) right after I posted. No, I do not own a homeowner.. just a home. Thanks for the compliment on my credit. I definitely don't want to jeopardize my score so this loan should be viewed as a very low risk investment. Thanks for your consideration!
(Sep-25-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| blot44 | $25.00 | $25.00 | 9/21/2010 3:21:57 PM |
| turbospeed | $25.00 | $25.00 | 9/21/2010 3:20:00 PM |
| Edge-City | $25.00 | $25.00 | 9/21/2010 7:09:23 PM |
| doncm | $100.00 | $100.00 | 9/21/2010 9:17:36 PM |
| bannybucks | $25.00 | $25.00 | 9/22/2010 4:41:43 AM |
| cake7 | $30.00 | $30.00 | 9/22/2010 6:26:36 AM |
| octoberfresh | $25.00 | $25.00 | 9/22/2010 6:46:17 AM |
| magnificent-income7 | $50.00 | $50.00 | 9/22/2010 4:26:09 AM |
| market-worker | $25.00 | $25.00 | 9/22/2010 9:03:47 AM |
| Joshua_E | $25.00 | $25.00 | 9/22/2010 7:50:33 AM |
| want2race | $25.00 | $25.00 | 9/22/2010 11:14:54 AM |
| nikebootie | $25.00 | $25.00 | 9/22/2010 2:12:19 PM |
| cwegert | $42.90 | $42.90 | 9/22/2010 9:34:21 PM |
| RandyL3 | $25.00 | $25.00 | 9/23/2010 9:25:34 AM |
| TomDalonajay | $25.00 | $25.00 | 9/23/2010 9:34:28 AM |
| penny-finder | $50.00 | $50.00 | 9/23/2010 10:03:44 AM |
| wam37 | $25.00 | $25.00 | 9/23/2010 12:32:34 PM |
| conqueror359 | $50.00 | $50.00 | 9/23/2010 7:15:16 PM |
| micah7345 | $50.00 | $50.00 | 9/23/2010 5:01:42 PM |
| LiquidRaptor | $25.00 | $25.00 | 9/24/2010 7:31:57 AM |
| arenangelchild | $50.00 | $50.00 | 9/24/2010 1:50:45 PM |
| LawyerLoan | $25.00 | $25.00 | 9/24/2010 1:45:06 PM |
| respectful-integrity3 | $50.00 | $50.00 | 9/24/2010 3:15:05 PM |
| F_r_e_d_s__B_a_n_k | $50.00 | $50.00 | 9/24/2010 5:27:28 PM |
| floridahelper | $65.00 | $65.00 | 9/25/2010 6:42:28 AM |
| happyface | $50.00 | $50.00 | 9/25/2010 7:14:53 AM |
| don'twannadance | $50.00 | $50.00 | 9/25/2010 6:58:20 AM |
| happyface | $50.00 | $50.00 | 9/25/2010 7:14:31 AM |
| JGuide | $26.99 | $26.99 | 9/25/2010 11:58:56 AM |
| loanman2007 | $50.00 | $50.00 | 9/25/2010 12:34:05 PM |
| AaronL | $25.00 | $25.00 | 9/25/2010 4:42:13 PM |
| MonkeyHero | $30.00 | $30.00 | 9/25/2010 11:42:25 PM |
| HappyToLoan | $30.00 | $30.00 | 9/26/2010 10:31:41 AM |
| dollarsforrent | $50.00 | $50.00 | 9/26/2010 1:16:38 PM |
| exchange-squirrel | $25.00 | $25.00 | 9/26/2010 4:07:05 PM |
| frankandirene | $25.00 | $25.00 | 9/27/2010 5:29:12 AM |
| shakespeare6 | $25.00 | $25.00 | 9/27/2010 7:04:29 AM |
| Dollars4Rent | $25.00 | $25.00 | 9/27/2010 10:56:58 AM |
| ingenious-order783 | $50.00 | $50.00 | 9/27/2010 11:51:04 AM |
| rate-negotiator | $25.00 | $25.00 | 9/27/2010 11:05:36 AM |
| wwwUniversal | $25.00 | $25.00 | 9/27/2010 11:53:42 AM |
| TakeCare | $100.00 | $84.11 | 9/27/2010 12:56:58 PM |
| seahorse2008 | $25.00 | $25.00 | 9/22/2010 1:44:58 PM |
| JohnSmith10 | $50.00 | $50.00 | 9/22/2010 8:06:52 PM |
| dollardave | $100.00 | $100.00 | 9/23/2010 9:24:02 AM |
| Approved | $25.00 | $25.00 | 9/23/2010 9:25:56 AM |
| well-mannered-responsibility8 | $25.00 | $25.00 | 9/23/2010 2:51:18 PM |
| Barnaby | $50.00 | $50.00 | 9/23/2010 4:36:40 PM |
| abu-dhabi | $40.00 | $40.00 | 9/23/2010 5:41:42 PM |
| vollynet | $35.00 | $35.00 | 9/23/2010 6:40:04 PM |
| MSZ | $36.00 | $36.00 | 9/24/2010 5:25:16 AM |
| lomaxz | $100.00 | $100.00 | 9/24/2010 9:15:48 AM |
| Registerednurse1 | $25.00 | $25.00 | 9/24/2010 11:21:33 AM |
| TigerForce | $25.00 | $25.00 | 9/24/2010 1:51:38 PM |
| triumphant-bonus | $75.00 | $75.00 | 9/24/2010 3:25:08 PM |
| power-defender7 | $50.00 | $50.00 | 9/24/2010 3:45:05 PM |
| arenangelchild | $100.00 | $100.00 | 9/24/2010 5:25:41 PM |
| don'twannadance | $50.00 | $50.00 | 9/25/2010 6:57:57 AM |
| suburbanman64 | $30.00 | $30.00 | 9/25/2010 7:04:28 AM |
| happyface | $50.00 | $50.00 | 9/25/2010 7:14:08 AM |
| UncleScroogeDMD | $100.00 | $100.00 | 9/25/2010 5:46:22 AM |
| principal-lion | $100.00 | $100.00 | 9/25/2010 10:14:07 AM |
| Kelor99 | $25.00 | $25.00 | 9/25/2010 10:03:47 AM |
| JustOneVoice | $25.00 | $25.00 | 9/26/2010 7:24:13 AM |
| exchange-squirrel | $50.00 | $50.00 | 9/26/2010 4:16:12 PM |
| ralf206 | $100.00 | $100.00 | 9/26/2010 5:06:54 PM |
| crdcteng | $50.00 | $50.00 | 9/26/2010 7:05:39 PM |
| clean-fund | $25.00 | $25.00 | 9/27/2010 10:27:37 AM |
| beachfunder | $25.00 | $25.00 | 9/27/2010 10:28:43 AM |
| Dollars4Rent | $25.00 | $25.00 | 9/27/2010 10:56:42 AM |
| 70 bids
|
Borrower Payment Dependent Notes Series
475282
This series of Notes was issued and sold upon the funding of the borrower loan #44599, 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:
| Sep-14-2010 |
| |
Auction end date:
| Sep-21-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 39.15% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 16.79% - 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:
| Nov-1992 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $848 | |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| serene-yield0 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $ 1300
??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) |
|
| kulender | $100.00 | $100.00 | 9/14/2010 2:44:34 PM |
| simplelender80 | $100.00 | $100.00 | 9/14/2010 2:46:12 PM |
| agiovasil | $25.00 | $25.00 | 9/14/2010 5:31:42 PM |
| helping-out | $25.00 | $25.00 | 9/16/2010 7:58:41 AM |
| gold-channel2 | $50.00 | $50.00 | 9/16/2010 7:38:22 PM |
| worthy-bid8 | $25.00 | $25.00 | 9/17/2010 12:15:04 PM |
| honorable-yield | $25.00 | $25.00 | 9/19/2010 9:13:39 AM |
| famous-bill | $50.00 | $48.98 | 9/20/2010 10:14:23 AM |
| donlenboy | $26.88 | $26.88 | 9/20/2010 10:00:49 AM |
| a-successful-credit | $50.00 | $50.00 | 9/20/2010 3:30:34 PM |
| TakeCare | $25.00 | $25.00 | 9/20/2010 6:20:04 PM |
| jtc26 | $25.00 | $25.00 | 9/20/2010 4:55:08 PM |
| Red-Bull-One | $25.00 | $25.00 | 9/20/2010 7:29:16 PM |
| Wyatte | $25.00 | $25.00 | 9/20/2010 7:33:27 PM |
| Leshan | $25.00 | $25.00 | 9/21/2010 8:48:18 AM |
| jhernand17 | $25.00 | $25.00 | 9/21/2010 9:02:29 AM |
| aquistoyraul | $25.00 | $25.00 | 9/21/2010 8:59:23 AM |
| tcbmc | $25.00 | $25.00 | 9/21/2010 1:14:45 PM |
| rakem777 | $25.00 | $25.00 | 9/21/2010 1:08:09 PM |
| villagers | $25.00 | $25.00 | 9/14/2010 3:25:31 PM |
| AlexTrep | $25.00 | $25.00 | 9/16/2010 11:37:17 PM |
| generous-deal6 | $25.00 | $25.00 | 9/17/2010 2:30:16 AM |
| tech310 | $25.00 | $25.00 | 9/17/2010 11:26:57 AM |
| logical-loyalty0 | $25.00 | $25.00 | 9/17/2010 11:28:45 AM |
| adaptable-capital | $82.92 | $82.92 | 9/19/2010 12:06:32 PM |
| inspiring-reward | $100.00 | $100.00 | 9/20/2010 3:23:32 AM |
| 12me2u | $50.00 | $50.00 | 9/20/2010 2:03:08 PM |
| entertaining-greenback2 | $26.21 | $26.21 | 9/20/2010 5:51:38 PM |
| mrxtravis | $37.26 | $37.26 | 9/20/2010 11:59:40 PM |
| nfx | $36.31 | $36.31 | 9/21/2010 9:11:07 AM |
| seatown7 | $40.00 | $40.00 | 9/21/2010 11:34:15 AM |
| OrdiNance | $25.00 | $25.00 | 9/21/2010 1:42:13 PM |
| ColoradoLender82 | $25.00 | $25.00 | 9/21/2010 11:13:44 AM |
| ultimate-peace | $150.00 | $150.00 | 9/21/2010 1:56:14 PM |
| Rackmaster32 | $25.00 | $25.00 | 9/21/2010 12:57:02 PM |
| craig1050 | $50.00 | $50.00 | 9/21/2010 1:39:24 PM |
| bst | $26.44 | $26.44 | 9/21/2010 2:26:48 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
475684
This series of Notes was issued and sold upon the funding of the borrower loan #44561, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,100.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-15-2010 |
| |
Auction end date:
| Sep-22-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $172.93 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $168.49 |
| |
|
Auction yield range:
| 10.79% - 28.50% |
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:
| Sep-1974 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 12 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 8y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 | Stated income: | $25,000-$49,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $55,644 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| top-reliable-value |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate my bills
Purpose of loan:
Pay down some of my smaller debts and make just one monthly payment
My financial situation:
I am a good candidate for this loan because?
I have a solid credit file that has existed for plenty of years, and i always pay my bills on time.
Monthly net income: $
3800
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 145
??Car expenses: $ 100
??Utilities: $300
??Phone, cable, internet: $ 85
??Food, entertainment: $100
??Clothing, household expenses $200
??Credit cards and other loans: $ 75
??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:
Can you explain that big cc bal? And see my page please. - Tono
A:
This was money I used to start my own small business, I plan to use this money and pay down some of this debt
(Sep-20-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| musegaze | $100.00 | $100.00 | 9/15/2010 2:40:34 PM |
| simplelender80 | $250.00 | $250.00 | 9/15/2010 2:42:07 PM |
| handshake5 | $25.00 | $25.00 | 9/15/2010 2:37:09 PM |
| 6moonbeams | $25.00 | $25.00 | 9/15/2010 2:37:27 PM |
| tech310 | $50.00 | $50.00 | 9/15/2010 3:49:12 PM |
| kulender | $50.00 | $50.00 | 9/15/2010 3:51:53 PM |
| patriot897 | $25.00 | $25.00 | 9/15/2010 3:47:01 PM |
| danthemon35 | $25.00 | $25.00 | 9/15/2010 8:35:20 PM |
| AF-Chief | $25.00 | $25.00 | 9/16/2010 1:17:02 AM |
| Comoparklender | $25.00 | $25.00 | 9/16/2010 10:47:39 AM |
| special-rupee | $30.00 | $30.00 | 9/17/2010 7:23:49 AM |
| Jloaner | $100.00 | $100.00 | 9/18/2010 2:45:00 AM |
| paradisenow | $25.00 | $25.00 | 9/18/2010 8:26:01 AM |
| pfh | $25.00 | $25.00 | 9/18/2010 7:53:22 PM |
| worthy-bid8 | $25.00 | $25.00 | 9/20/2010 10:30:37 AM |
| reward-adventure | $30.00 | $30.00 | 9/20/2010 10:30:58 AM |
| mtquan | $25.00 | $25.00 | 9/20/2010 10:31:17 AM |
| finance-magma7 | $100.00 | $100.00 | 9/20/2010 10:27:50 AM |
| burrito6 | $25.00 | $25.00 | 9/20/2010 10:31:36 AM |
| mercuriant | $25.00 | $25.00 | 9/20/2010 10:40:40 AM |
| Ocean713 | $50.00 | $50.00 | 9/20/2010 1:13:55 PM |
| Cybercusp | $25.00 | $25.00 | 9/20/2010 3:07:49 PM |
| AlexTrep | $25.00 | $25.00 | 9/20/2010 3:28:10 PM |
| organic-order | $25.00 | $25.00 | 9/20/2010 4:44:25 PM |
| treasure-bliss | $50.00 | $50.00 | 9/21/2010 12:04:37 AM |
| head | $25.00 | $25.00 | 9/21/2010 9:08:49 AM |
| orange-preeminant-bill | $43.47 | $43.47 | 9/21/2010 10:11:39 AM |
| RMB-Investments | $50.00 | $50.00 | 9/21/2010 11:30:27 AM |
| Astyanax | $40.00 | $40.00 | 9/21/2010 2:46:02 PM |
| lagnisiruk | $50.00 | $50.00 | 9/21/2010 3:00:56 PM |
| lcole32 | $25.00 | $25.00 | 9/21/2010 2:56:00 PM |
| finance_mba | $25.00 | $25.00 | 9/21/2010 3:01:35 PM |
| kginatl | $50.00 | $50.00 | 9/21/2010 3:01:56 PM |
| Mailman2004 | $50.00 | $50.00 | 9/21/2010 3:02:05 PM |
| missing-link | $25.00 | $25.00 | 9/21/2010 3:02:22 PM |
| jubilant-auction5 | $25.00 | $25.00 | 9/21/2010 3:02:36 PM |
| IIP77 | $25.00 | $25.00 | 9/21/2010 2:57:44 PM |
| inspiring-reward | $100.00 | $81.41 | 9/21/2010 3:06:01 PM |
| zrohmm | $25.00 | $25.00 | 9/21/2010 2:59:55 PM |
| squarebob | $25.00 | $25.00 | 9/21/2010 4:06:46 PM |
| well-mannered-income3 | $40.00 | $40.00 | 9/21/2010 6:16:52 PM |
| Bob450 | $25.00 | $25.00 | 9/21/2010 4:33:12 PM |
| mpatrick | $25.00 | $25.00 | 9/21/2010 7:15:46 PM |
| beach_bum | $25.00 | $25.00 | 9/21/2010 7:20:31 PM |
| umfan123 | $25.00 | $25.00 | 9/21/2010 9:03:15 PM |
| favorite-commerce | $25.00 | $25.00 | 9/21/2010 11:15:52 PM |
| johnk317 | $50.00 | $50.00 | 9/22/2010 8:18:45 AM |
| bonus-quark4 | $25.00 | $25.00 | 9/22/2010 7:59:40 AM |
| jules3304 | $25.00 | $25.00 | 9/22/2010 8:03:15 AM |
| bold-attentive-listing | $25.00 | $25.00 | 9/22/2010 8:33:19 AM |
| gothampark | $25.00 | $25.00 | 9/22/2010 10:06:02 AM |
| social-zebra | $27.00 | $27.00 | 9/22/2010 11:12:17 AM |
| AM2171 | $25.00 | $25.00 | 9/22/2010 12:52:34 PM |
| exciting-fairness | $200.00 | $200.00 | 9/22/2010 2:13:20 PM |
| grampy48 | $25.00 | $25.00 | 9/22/2010 12:50:40 PM |
| aquistoyraul | $25.00 | $25.00 | 9/22/2010 1:44:11 PM |
| TakeCare | $30.00 | $30.00 | 9/22/2010 2:28:43 PM |
| bid-czar8 | $100.00 | $100.00 | 9/15/2010 2:39:05 PM |
| EBITDA | $25.00 | $25.00 | 9/15/2010 9:38:53 PM |
| Artist_Blue | $25.00 | $25.00 | 9/16/2010 12:30:08 AM |
| money-bauble | $50.00 | $50.00 | 9/16/2010 11:48:20 AM |
| gold-channel2 | $50.00 | $50.00 | 9/17/2010 8:59:11 AM |
| Credit4Talent | $28.12 | $28.12 | 9/17/2010 9:31:14 AM |
| papaloha | $25.00 | $25.00 | 9/17/2010 9:44:12 PM |
| jlr613 | $25.00 | $25.00 | 9/19/2010 3:04:01 PM |
| generous-deal6 | $25.00 | $25.00 | 9/20/2010 10:13:39 AM |
| enthralling-deal180 | $100.00 | $100.00 | 9/20/2010 10:31:27 AM |
| helping-out | $50.00 | $50.00 | 9/20/2010 10:32:19 AM |
| zipemdown | $50.00 | $50.00 | 9/20/2010 10:31:10 AM |
| GElender | $25.00 | $25.00 | 9/20/2010 3:30:22 PM |
| Rdodson11 | $25.00 | $25.00 | 9/21/2010 6:50:23 AM |
| sfmf | $25.00 | $25.00 | 9/21/2010 12:53:19 PM |
| circustab | $50.00 | $50.00 | 9/21/2010 11:38:58 AM |
| thedreamer | $25.00 | $25.00 | 9/21/2010 3:01:17 PM |
| honorable-yield | $35.00 | $35.00 | 9/21/2010 3:01:38 PM |
| lender987654321 | $25.00 | $25.00 | 9/21/2010 3:01:50 PM |
| Phantom99 | $25.00 | $25.00 | 9/21/2010 3:00:59 PM |
| zorg77 | $25.00 | $25.00 | 9/21/2010 3:02:11 PM |
| qtmspin | $50.00 | $50.00 | 9/21/2010 3:02:15 PM |
| genuine-responsibility8 | $50.00 | $50.00 | 9/21/2010 3:02:25 PM |
| YurshotCapital | $50.00 | $50.00 | 9/21/2010 3:02:31 PM |
| gotjack | $25.00 | $25.00 | 9/21/2010 2:57:29 PM |
| thrifty-return | $30.00 | $30.00 | 9/21/2010 3:05:41 PM |
| copper | $50.00 | $50.00 | 9/21/2010 3:01:42 PM |
| aader | $25.00 | $25.00 | 9/21/2010 3:02:02 PM |
| saysana | $25.00 | $25.00 | 9/21/2010 3:02:28 PM |
| rick446 | $50.00 | $50.00 | 9/21/2010 3:05:29 PM |
| squarebob | $25.00 | $25.00 | 9/21/2010 4:06:28 PM |
| interstellar | $50.00 | $50.00 | 9/21/2010 6:38:23 PM |
| sturdy-peace9 | $100.00 | $100.00 | 9/21/2010 8:47:15 PM |
| wwwUniversal | $25.00 | $25.00 | 9/22/2010 1:07:24 AM |
| onecooldrink | $25.00 | $25.00 | 9/22/2010 1:19:24 AM |
| Bob450 | $25.00 | $25.00 | 9/21/2010 10:24:39 PM |
| barkochva | $25.00 | $25.00 | 9/22/2010 6:54:51 AM |
| harddollars | $25.00 | $25.00 | 9/22/2010 8:03:21 AM |
| bold-attentive-listing | $25.00 | $25.00 | 9/22/2010 8:33:14 AM |
| Pu239 | $60.00 | $60.00 | 9/22/2010 8:23:30 AM |
| terrific-dough6 | $75.00 | $75.00 | 9/22/2010 10:23:15 AM |
| Book-Mark | $25.00 | $25.00 | 9/22/2010 11:00:55 AM |
| revenue-appraiser | $25.00 | $25.00 | 9/22/2010 12:49:26 PM |
| leverage-monger | $25.00 | $25.00 | 9/22/2010 11:50:02 AM |
| 101 bids
|
Borrower Payment Dependent Notes Series
475846
This series of Notes was issued and sold upon the funding of the borrower loan #44608, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Sep-17-2010 |
| |
Auction end date:
| Sep-24-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $89.74 |
|
Final lender yield:
| 29.44% |
Final borrower rate/APR:
| 30.44% / 34.06% |
Final monthly payment:
| $85.39 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.89% | | |
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:
| Nov-1979 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 29
/
26 | Length of status: | 30y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 83 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $51,456 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| top-community-tower |
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
Best friend's wedding
Purpose of loan:
This loan will be used to finance a trip to attend my best friends wedding. After being divorced for 26 years, my best buddy found love.? She and her prince charming decided to have a Las Vegas wedding in a couple of weeks. Of course I have to be there to stand up with her but I need a little extra cash to cover the travel expenses for both my husband and I to attend. ?I hope the kindness of strangers will provide us the opportunity to share in this joyful occasion.?
I am a good candidate for this loan because I have a stable full-time position that consistently provides a pay check every two weeks.? With the exception of only one instance a few years ago, I have never been late on paying my bills.? The late payment was just an oversight. Yes, I acknowledge that I have a high debt ratio.? However, this only recently occurred. In the past I would typically not exceed 50 percent of the available credit but due to changes in the credit card industry, over the last 16 months, my lines of credit were dramatically cut.? As a result, I?am at the limit of most of my credit lines. Notwithstanding, I have continued to timely pay all my debts. ?A good portion of the debt relates to educational loans taken out for myself and my children or to upgrade my home.? Yeah, I do buy nice things for myself and my family but I have also invested in my future, my kid?s future and keeping up my property. Please note, the mortgage note is in my husband's name.
Monthly net income: $6816.00
I am paid $3,408 every two weeks.
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
see my page please. - Tono
A:
As requested, the total monthly expenses = $4047. Thank you for your kind considration of my listing.
(Sep-20-2010)
Q:
Seems you clear more than you want to borrow, every month. Why borrow? thank you - Tono
A:
Well, a culmulative set of circumstances occurred. 1) My buddy's decision to have the wedding in Vegas was quick so I did not have time to plan. 2) I do not have the flexibility of using a credit card nor is my cash flow agreeable right now to accommodate the trip expenses. 3) I did not feel that this was an "emergency" to tap the savings. So, this is the option I chose. Thank you.
(Sep-20-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| q4golf | $28.59 | $28.59 | 9/22/2010 4:23:45 AM |
| periko | $50.00 | $50.00 | 9/22/2010 7:00:55 AM |
| glroark | $50.00 | $50.00 | 9/22/2010 9:10:37 AM |
| loss-of-control | $25.00 | $25.00 | 9/22/2010 1:26:17 PM |
| tech310 | $25.00 | $25.00 | 9/22/2010 4:44:09 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/23/2010 2:16:14 PM |
| rakem777 | $25.00 | $25.00 | 9/23/2010 3:20:49 PM |
| dajen1 | $25.00 | $25.00 | 9/23/2010 8:12:08 PM |
| l2fp | $25.00 | $25.00 | 9/23/2010 8:23:00 PM |
| 1313mark1313 | $25.00 | $25.00 | 9/24/2010 12:53:05 AM |
| jasonrun | $25.00 | $25.00 | 9/23/2010 8:21:54 PM |
| california5andime | $25.00 | $25.00 | 9/23/2010 10:50:01 PM |
| attractive-rate | $50.00 | $50.00 | 9/24/2010 3:20:15 AM |
| ferengi_finance | $31.92 | $31.92 | 9/24/2010 5:17:07 AM |
| prodigy525 | $25.00 | $25.00 | 9/24/2010 6:22:11 AM |
| MITPhysics | $50.00 | $50.00 | 9/24/2010 6:23:03 AM |
| Cornelian | $25.50 | $25.50 | 9/24/2010 7:55:53 AM |
| TakeCare | $40.00 | $40.00 | 9/24/2010 9:18:25 AM |
| income-rocker2 | $25.00 | $25.00 | 9/24/2010 10:23:35 AM |
| kwan | $25.00 | $25.00 | 9/24/2010 11:24:52 AM |
| credit-missile | $25.00 | $25.00 | 9/24/2010 10:22:01 AM |
| lucrative-coin | $100.00 | $100.00 | 9/24/2010 11:48:55 AM |
| revenue-appraiser | $25.00 | $25.00 | 9/24/2010 12:03:30 PM |
| Bobtep23 | $50.00 | $50.00 | 9/24/2010 1:00:04 PM |
| awesome-silver | $200.00 | $200.00 | 9/24/2010 1:56:11 PM |
| Nailman88 | $25.00 | $25.00 | 9/24/2010 2:55:45 PM |
| rustysailor | $25.00 | $25.00 | 9/18/2010 3:34:24 AM |
| penny-plato | $50.00 | $50.00 | 9/20/2010 5:24:22 AM |
| neverfail | $40.00 | $40.00 | 9/20/2010 12:17:35 PM |
| economy-popcorn | $25.00 | $25.00 | 9/21/2010 7:26:15 PM |
| Gobsek | $25.00 | $25.00 | 9/22/2010 6:18:50 PM |
| Top_Gun_Lender | $26.00 | $26.00 | 9/22/2010 9:33:05 PM |
| vine99 | $40.00 | $13.13 | 9/22/2010 8:18:51 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 9/23/2010 8:01:50 AM |
| favorite-commerce | $25.00 | $25.00 | 9/23/2010 1:24:44 PM |
| CaliforniaSun | $25.00 | $25.00 | 9/23/2010 3:57:48 PM |
| unclerock | $50.00 | $50.00 | 9/23/2010 3:59:39 PM |
| aztocas | $25.00 | $25.00 | 9/23/2010 4:26:32 PM |
| CO_Engineer | $38.64 | $38.64 | 9/23/2010 7:08:12 PM |
| mammalian4 | $25.00 | $25.00 | 9/23/2010 6:01:20 PM |
| Cashlender1992 | $33.78 | $33.78 | 9/23/2010 6:28:22 PM |
| insrq | $29.53 | $29.53 | 9/24/2010 4:35:12 AM |
| Core-Marketing | $50.00 | $50.00 | 9/24/2010 6:12:18 AM |
| minnesotafinancial | $25.00 | $25.00 | 9/24/2010 6:26:11 AM |
| credit-missile | $25.00 | $25.00 | 9/24/2010 10:21:38 AM |
| tedi-tif | $25.00 | $25.00 | 9/24/2010 9:56:57 AM |
| Kash2010lu | $25.00 | $25.00 | 9/24/2010 11:29:05 AM |
| ponch12 | $25.75 | $25.75 | 9/24/2010 12:08:53 PM |
| social-zebra | $26.00 | $26.00 | 9/24/2010 12:09:59 PM |
| sturdy-peace9 | $65.00 | $65.00 | 9/24/2010 1:50:46 PM |
| Lubava | $25.00 | $25.00 | 9/24/2010 1:42:03 PM |
| realtormoises | $25.00 | $25.00 | 9/24/2010 2:09:13 PM |
| DasMula | $25.00 | $25.00 | 9/24/2010 1:56:35 PM |
| Bob450 | $25.00 | $25.00 | 9/24/2010 1:58:37 PM |
| waverunner088 | $26.16 | $26.16 | 9/24/2010 2:51:02 PM |
| moola-monger9 | $50.00 | $50.00 | 9/24/2010 2:45:14 PM |
| 56 bids
|
Borrower Payment Dependent Notes Series
476030
This series of Notes was issued and sold upon the funding of the borrower loan #44570, 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:
| Sep-17-2010 |
| |
Auction end date:
| Sep-24-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 31.49% |
Final borrower rate/APR:
| 32.49% / 38.75% |
Final monthly payment:
| $43.83 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.34% | | |
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:
| Sep-2004 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nourishing-market8 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Small loan=Big help
Purpose of loan:
This loan will be used to? to pay for various debts that I have acquired within the past several months. I will be paying some of my student loans to make sure I do not fall behind. I have a SNAP-ON tool account which I hope to pay off completely (about $300). I also have personal debt to family members and I really hate not being able to pay them back promptly because of my other bills.
My financial situation:
I am a good candidate for this loan because? I am a very honest and hardworking person. This may sound cliche but this will help me "get out of the hole." With this loan I will be able to start saving instead of catching up on bills. I do not have great debt and this will help eliminate a good portion of that debt. I started to fall behind on my bills about a month ago due to careless saving habits. Since then, it has been hard to pay bills without spending most of my savings. Since I will be using this loan to pay off most of my debt, it will very easy to make the monthly payments.
I presently work for an Auto Body shop. September 17 I will be taking the PA exam to get licensed to sell Property and Casualty insurance. I have a job offer from Allstate to sell insurance as a Producer. After passing the exam and starting this new job I will be making more money than I am making presently.
I also go to a Community College and study Accounting. Since I have been working full-time for over 4 years, I can only go to school at night and have been paying for all of it out-of-pocket. I started to go back to college two years ago and have completed 40 credits with a 4.0 GPA in all of the semesters except one. My reason for stating this is to let you know that I am hardworking, and I know that this loan will be very beneficial for both you and I. I thank you for taking the time to read this and below are my monthly expenses.
Monthly net income: about $ 2000+ depending on how busy our body shop is that week.
Monthly expenses: $ 1129
??Housing: $350 I live at home but pay my parents.
??Insurance: $144 (car)
??Car expenses: $40 (gas)
??Utilities: $0
??Phone, cable, internet: $70 (cell)
?Food, entertainment: $100
Clothing, household expenses $0
Credit cards and other loans: $50 (student loans) $240 (family debt)
? Other expenses: $35 (gym) $100 (snap-on tools)
School payments are due at the beginning of each semester. This semester was about $2500 for tuition and books.
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) |
|
| niceguy777 | $25.00 | $25.00 | 9/20/2010 10:12:38 AM |
| penny-plato | $25.00 | $25.00 | 9/20/2010 12:43:13 PM |
| scottysidewinder | $26.52 | $26.52 | 9/20/2010 7:10:48 PM |
| 340 | $50.00 | $50.00 | 9/22/2010 5:13:01 PM |
| dudebrah | $25.00 | $25.00 | 9/23/2010 10:05:20 AM |
| marwadi-62 | $100.00 | $100.00 | 9/23/2010 3:51:02 PM |
| Kyileo | $25.00 | $25.00 | 9/23/2010 7:06:17 PM |
| unger | $50.00 | $20.17 | 9/24/2010 3:15:33 AM |
| bullwink27 | $25.00 | $25.00 | 9/24/2010 3:32:45 AM |
| entertaining-revenue | $25.00 | $25.00 | 9/24/2010 10:27:09 AM |
| social-zebra | $28.00 | $28.00 | 9/24/2010 12:19:20 PM |
| Bob450 | $25.00 | $25.00 | 9/24/2010 1:56:42 PM |
| gold-cluster | $50.00 | $50.00 | 9/24/2010 1:23:13 PM |
| dynamic-fairness | $25.00 | $25.00 | 9/22/2010 6:18:11 PM |
| bluebouyz | $25.00 | $25.00 | 9/22/2010 8:48:46 PM |
| vine99 | $40.00 | $40.00 | 9/22/2010 8:20:46 PM |
| Sudoku | $150.00 | $150.00 | 9/23/2010 7:50:11 AM |
| tcbmc | $29.71 | $29.71 | 9/23/2010 9:31:57 AM |
| nickel-position | $40.60 | $40.60 | 9/23/2010 4:35:43 PM |
| kf88 | $25.00 | $25.00 | 9/23/2010 5:49:17 PM |
| neorunner | $25.00 | $25.00 | 9/23/2010 6:41:32 PM |
| eloquent-bill6 | $25.00 | $25.00 | 9/23/2010 9:56:18 PM |
| bst | $40.00 | $40.00 | 9/24/2010 10:59:23 AM |
| TFAD72 | $25.00 | $25.00 | 9/24/2010 1:00:26 PM |
| S2152 | $25.00 | $25.00 | 9/24/2010 1:14:34 PM |
| moola-monger9 | $50.00 | $50.00 | 9/24/2010 2:52:14 PM |
| FJerry | $25.00 | $25.00 | 9/24/2010 2:53:38 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
476068
This series of Notes was issued and sold upon the funding of the borrower loan #44601, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Sep-20-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 40.24% |
Starting monthly payment:
| $54.28 |
|
Final lender yield:
| 28.00% |
Final borrower rate/APR:
| 29.00% / 34.05% |
Final monthly payment:
| $50.29 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 19.93% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.07% | | |
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:
| Oct-1993 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 17
/
17 | Length of status: | 1y 5m |
|
Amount delinquent:
| $93 |
Total credit lines:
| 23 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,678 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| glimmering-rupee |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Giving the Master Bath an overhaul!
Purpose of loan:
This loan will be used to give my master bath an overhaul. I've actually got everything except the 2 cabinets I want to put in there. I wish to use the money on purchasing new cabinets.
My financial situation: I currently bring in a steady income as an RN. I have been working as an RN for the last 2.5 years. Although I've only been at my current employer for the last 1.5 years, I was at my previous employer for 4 years. January of this year, I also have added a second part time employment as a Mortgage Loan Officer for which I have already earned an additional $12,000 in income.
I am a good candidate for this loan because when I began working as a nurse 2.5 years ago, my income increased by over 250%. Since that time, I have worked very hard to increase my FICO. However, last month I found that the deliquency stated here in my file had been added to my credit report. To my dismay, it was a Columbia House CD bill from 7 years ago that wasn't even mine! I have had it removed this past week (but not before they pulled my credit here) The delinquency wasn't there when I purchased my home 1.5 years ago.
Monthly net income: $3318 from my primary job as an RN (This does not include the additional $1285 that I have netted in commissions as a loan officer.
Monthly expenses: $ 2688
??Housing: $ 593
??Insurance: $ 110
??Car expenses: $ 530 (loan + gas)
??Utilities: $ 200
??Phone, cable, internet: $ 175
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 480 (includes $270 in student loans)
??Other expenses: $
I am a much better borrower than these stats suggest because I am on an upswing with my income and FICO scores. My primary income as a nurse is also one of the most stable professions for the next 20 years or so.
Thank you for bidding my rate down. ;-)
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) |
|
| goodcents | $25.00 | $25.00 | 9/23/2010 8:19:00 PM |
| G-Love | $300.00 | $262.55 | 9/26/2010 6:17:07 PM |
| glroark | $50.00 | $50.00 | 9/27/2010 7:05:16 AM |
| Leshan | $33.33 | $33.33 | 9/27/2010 8:28:49 AM |
| wild-orange | $25.00 | $25.00 | 9/27/2010 8:36:52 AM |
| fireferd | $50.00 | $50.00 | 9/27/2010 9:11:04 AM |
| dunrizzo | $33.31 | $33.31 | 9/27/2010 10:04:52 AM |
| social-zebra | $25.48 | $25.48 | 9/27/2010 12:48:58 PM |
| exchange-squirrel | $25.00 | $25.00 | 9/27/2010 2:02:04 PM |
| DasMula | $25.00 | $25.00 | 9/27/2010 2:23:21 PM |
| SolarMoonshine | $25.00 | $25.00 | 9/21/2010 7:20:38 PM |
| lendstats_com | $200.00 | $200.00 | 9/22/2010 6:43:31 AM |
| l2fp | $25.00 | $25.00 | 9/25/2010 5:23:53 PM |
| deepblue34 | $30.00 | $30.00 | 9/25/2010 7:54:08 PM |
| wlm3012 | $25.00 | $25.00 | 9/26/2010 12:01:41 PM |
| nodebt2012 | $25.00 | $25.00 | 9/26/2010 1:50:33 PM |
| Top_Gun_Lender | $26.00 | $26.00 | 9/26/2010 4:28:09 PM |
| tigercat | $50.00 | $50.00 | 9/27/2010 12:55:06 PM |
| 340 | $29.33 | $29.33 | 9/27/2010 1:03:18 PM |
| ultimate-peace | $150.00 | $150.00 | 9/27/2010 1:22:46 PM |
| AF-Chief | $35.00 | $35.00 | 9/27/2010 1:47:54 PM |
| minnesotafinancial | $25.00 | $25.00 | 9/27/2010 2:32:58 PM |
| 22 bids
|
Borrower Payment Dependent Notes Series
476194
This series of Notes was issued and sold upon the funding of the borrower loan #44611, 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:
| 10.8% |
Auction start date:
| Sep-20-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $184.92 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $184.92 |
| |
|
Auction yield range:
| 10.79% - 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:
| Oct-1976 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
17 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Scientist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,471 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| revenue-eclipse |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
The purpose of this loan is to pay off my high interest credit card. I used this card while in graduate school and now need a little help to lower the amount of interest I am currently paying (25%). I'm looking forward to having a brighter credit future.
My current income is $3050/mo.
I am putting $900 to rent and utilities. My car payment is $227/mo and will be paid off in March 2011, my insurance (car and renters) is $95/mo. I have a loan to my mom which I pay $331/mo which will be paid off in August 2011. My student loans are $425/mo. I am putting $900 to credit card debt, with $350 going to the high interest credit card. If the interest rate that I get isnt much lower than what I am paying now, I plan to pay more than the loan payment each month. I just need a little help until early next year.
Thank you so much for looking and please let me know if you have any other 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) |
|
| handshake5 | $25.00 | $25.00 | 9/20/2010 2:42:02 PM |
| 6moonbeams | $25.00 | $25.00 | 9/20/2010 2:42:28 PM |
| simplelender80 | $250.00 | $250.00 | 9/20/2010 2:46:54 PM |
| tech310 | $50.00 | $50.00 | 9/21/2010 1:04:41 AM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 9:45:02 AM |
| nilonc1 | $25.00 | $25.00 | 9/21/2010 10:56:04 AM |
| sfmf | $25.00 | $25.00 | 9/21/2010 12:53:26 PM |
| villagers | $50.00 | $50.00 | 9/21/2010 7:24:33 PM |
| jubilant-auction5 | $25.00 | $25.00 | 9/22/2010 3:01:08 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 9/22/2010 3:14:02 PM |
| ingenious-deal6 | $25.00 | $25.00 | 9/22/2010 9:34:03 PM |
| Speculator | $50.00 | $50.00 | 9/23/2010 10:58:52 AM |
| important-openness1 | $100.00 | $100.00 | 9/23/2010 11:12:30 PM |
| Whipster | $75.00 | $75.00 | 9/24/2010 5:09:10 AM |
| generous-deal6 | $25.00 | $25.00 | 9/24/2010 6:02:11 AM |
| AF-Chief | $25.00 | $25.00 | 9/24/2010 7:32:58 AM |
| abnvette | $32.61 | $32.61 | 9/24/2010 10:50:10 AM |
| reward-adventure | $30.00 | $30.00 | 9/24/2010 1:30:03 PM |
| dajen1 | $25.00 | $25.00 | 9/24/2010 2:26:04 PM |
| CC911 | $25.00 | $25.00 | 9/24/2010 3:25:17 PM |
| patriot384 | $120.00 | $120.00 | 9/25/2010 1:47:09 PM |
| loss-of-control | $50.00 | $50.00 | 9/25/2010 4:38:28 PM |
| loss-of-control | $50.00 | $50.00 | 9/25/2010 4:37:59 PM |
| SqueezeKing | $25.00 | $25.00 | 9/25/2010 10:50:31 PM |
| MattProsper | $50.00 | $50.00 | 9/26/2010 10:13:57 AM |
| bondhedger | $25.00 | $25.00 | 9/26/2010 10:17:03 AM |
| econgineer | $25.00 | $25.00 | 9/26/2010 11:47:07 AM |
| trumpeter5 | $50.00 | $50.00 | 9/26/2010 2:41:43 PM |
| billybragg | $25.00 | $25.00 | 9/26/2010 8:24:26 PM |
| power-secret-agent | $25.00 | $25.00 | 9/27/2010 4:49:48 AM |
| credit-missile | $25.00 | $25.00 | 9/27/2010 1:55:15 AM |
| wonder3 | $25.00 | $25.00 | 9/27/2010 6:19:17 AM |
| rate-hickory | $25.00 | $25.00 | 9/27/2010 7:11:16 AM |
| johnk317 | $25.00 | $25.00 | 9/27/2010 8:56:40 AM |
| Leshan | $33.33 | $33.33 | 9/27/2010 8:38:51 AM |
| fireferd | $60.00 | $60.00 | 9/27/2010 9:20:06 AM |
| dough-hammock | $25.00 | $25.00 | 9/27/2010 11:06:57 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 9/27/2010 10:55:10 AM |
| wealth-pipeline | $25.00 | $25.00 | 9/27/2010 12:42:21 PM |
| moola-monger9 | $50.00 | $50.00 | 9/27/2010 2:15:43 PM |
| Nerdster1 | $25.01 | $25.01 | 9/27/2010 2:26:07 PM |
| octoberfresh | $25.00 | $25.00 | 9/27/2010 1:57:45 PM |
| revenue-appraiser | $27.00 | $27.00 | 9/27/2010 2:00:50 PM |
| musegaze | $100.00 | $100.00 | 9/20/2010 2:50:28 PM |
| frogperson | $150.00 | $150.00 | 9/20/2010 2:50:57 PM |
| bid-czar8 | $100.00 | $100.00 | 9/20/2010 2:51:04 PM |
| Comoparklender | $40.00 | $40.00 | 9/20/2010 2:57:03 PM |
| kulender | $50.00 | $50.00 | 9/20/2010 2:50:36 PM |
| papaloha | $25.00 | $25.00 | 9/20/2010 3:29:18 PM |
| agiovasil | $25.00 | $25.00 | 9/20/2010 10:12:31 PM |
| dedicated-diversification5 | $100.00 | $100.00 | 9/21/2010 8:13:27 AM |
| gold-channel2 | $50.00 | $50.00 | 9/21/2010 3:11:44 PM |
| Jloaner | $100.00 | $100.00 | 9/22/2010 2:42:14 PM |
| EBITDA | $25.00 | $25.00 | 9/22/2010 3:04:46 PM |
| bill-mushroom | $25.00 | $25.00 | 9/23/2010 12:58:44 AM |
| penny-plato | $25.00 | $25.00 | 9/23/2010 7:49:52 AM |
| GElender | $25.00 | $25.00 | 9/23/2010 6:34:12 AM |
| bankbuddy55 | $40.00 | $40.00 | 9/23/2010 9:25:55 AM |
| airrbob | $50.00 | $50.00 | 9/23/2010 12:50:51 PM |
| pfh | $25.00 | $25.00 | 9/23/2010 9:37:15 AM |
| mla | $25.00 | $25.00 | 9/23/2010 10:43:11 PM |
| burrito6 | $25.00 | $25.00 | 9/24/2010 2:07:47 AM |
| asiaratt | $50.00 | $50.00 | 9/24/2010 7:33:13 AM |
| enthralling-deal180 | $77.12 | $77.12 | 9/24/2010 10:12:12 AM |
| jlr613 | $50.00 | $50.00 | 9/24/2010 12:03:48 PM |
| fairness-kayak | $25.00 | $25.00 | 9/24/2010 12:06:05 PM |
| rescue | $100.00 | $100.00 | 9/24/2010 12:58:56 PM |
| finance-magma7 | $100.00 | $100.00 | 9/24/2010 1:29:09 PM |
| platytanz | $25.00 | $25.00 | 9/24/2010 3:28:35 PM |
| funfamilyX4 | $25.00 | $9.93 | 9/24/2010 3:28:56 PM |
| rockhound84 | $25.00 | $25.00 | 9/25/2010 2:50:13 AM |
| economy-popcorn | $25.00 | $25.00 | 9/25/2010 6:59:15 AM |
| gain-aspen | $50.00 | $50.00 | 9/25/2010 6:35:45 PM |
| deepblue34 | $25.00 | $25.00 | 9/25/2010 8:17:20 PM |
| G-Love | $500.00 | $500.00 | 9/26/2010 6:26:03 PM |
| credit-missile | $25.00 | $25.00 | 9/27/2010 1:54:58 AM |
| credit-missile | $25.00 | $25.00 | 9/27/2010 1:54:42 AM |
| mpatrick | $25.00 | $25.00 | 9/26/2010 9:27:59 PM |
| credit-missile | $25.00 | $25.00 | 9/27/2010 1:55:31 AM |
| Uylsses | $50.00 | $50.00 | 9/27/2010 7:36:03 AM |
| glroark | $50.00 | $50.00 | 9/27/2010 7:11:07 AM |
| TakeCare | $100.00 | $100.00 | 9/27/2010 10:06:23 AM |
| lender-inc | $30.00 | $30.00 | 9/27/2010 12:23:13 PM |
| reflective-rupee | $200.00 | $200.00 | 9/27/2010 12:07:58 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/27/2010 12:52:57 PM |
| 85 bids
|
Borrower Payment Dependent Notes Series
476254
This series of Notes was issued and sold upon the funding of the borrower loan #44607, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-20-2010 |
| |
Auction end date:
| Sep-25-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $102.73 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $102.73 |
| |
|
Auction yield range:
| 10.79% - 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:
| Sep-1997 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
3 | Length of status: | 1y 6m |
|
Amount delinquent:
| $225 |
Total credit lines:
| 50 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $570 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bewitching-diversification |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt after a divorce
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| 6moonbeams | $25.00 | $25.00 | 9/20/2010 2:42:31 PM |
| simplelender80 | $81.83 | $81.83 | 9/20/2010 2:39:59 PM |
| handshake5 | $25.00 | $25.00 | 9/20/2010 2:42:06 PM |
| musegaze | $100.00 | $100.00 | 9/20/2010 2:50:32 PM |
| kulender | $50.00 | $50.00 | 9/20/2010 2:50:41 PM |
| frogperson | $100.00 | $100.00 | 9/20/2010 2:53:39 PM |
| tech310 | $50.00 | $50.00 | 9/21/2010 1:04:46 AM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 9:45:10 AM |
| SolarMoonshine | $25.00 | $25.00 | 9/21/2010 7:18:40 PM |
| kazanov | $25.00 | $25.00 | 9/21/2010 8:59:04 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 9/22/2010 3:14:06 PM |
| Speculator | $50.00 | $50.00 | 9/23/2010 10:58:56 AM |
| pfh | $25.00 | $25.00 | 9/23/2010 10:34:04 PM |
| mla | $25.00 | $25.00 | 9/23/2010 10:43:16 PM |
| airrbob | $25.00 | $25.00 | 9/24/2010 4:57:01 AM |
| AF-Chief | $25.00 | $25.00 | 9/24/2010 7:32:55 AM |
| asiaratt | $50.00 | $50.00 | 9/24/2010 7:33:19 AM |
| rescue | $100.00 | $100.00 | 9/24/2010 12:58:58 PM |
| burrito6 | $25.00 | $25.00 | 9/24/2010 1:48:29 PM |
| jlr613 | $25.00 | $25.00 | 9/24/2010 3:23:34 PM |
| generous-deal6 | $25.00 | $25.00 | 9/24/2010 3:22:07 PM |
| richboy56 | $25.00 | $25.00 | 9/24/2010 3:31:11 PM |
| funfamilyX4 | $25.00 | $25.00 | 9/24/2010 3:28:57 PM |
| mtquan | $25.00 | $25.00 | 9/24/2010 3:31:41 PM |
| fairness-kayak | $25.00 | $25.00 | 9/24/2010 3:31:44 PM |
| interstellar | $50.00 | $50.00 | 9/24/2010 4:48:05 PM |
| icecoldcash | $25.00 | $25.00 | 9/24/2010 5:19:50 PM |
| Little_Tuna_College_Fund | $50.00 | $50.00 | 9/24/2010 10:55:43 PM |
| wwwUniversal | $25.00 | $25.00 | 9/24/2010 10:59:27 PM |
| Joshua_E | $30.85 | $30.85 | 9/25/2010 10:20:47 AM |
| bid-czar8 | $100.00 | $100.00 | 9/20/2010 2:51:07 PM |
| Comoparklender | $25.00 | $25.00 | 9/20/2010 2:56:45 PM |
| agiovasil | $25.00 | $25.00 | 9/20/2010 10:16:01 PM |
| Joshua_E | $25.00 | $25.00 | 9/21/2010 6:09:21 AM |
| dedicated-diversification5 | $100.00 | $100.00 | 9/21/2010 8:13:22 AM |
| sfmf | $25.00 | $25.00 | 9/21/2010 12:53:28 PM |
| papaloha | $25.00 | $25.00 | 9/21/2010 3:06:59 PM |
| EBITDA | $25.00 | $25.00 | 9/21/2010 3:10:31 PM |
| gold-channel2 | $50.00 | $50.00 | 9/21/2010 3:11:51 PM |
| villagers | $50.00 | $50.00 | 9/21/2010 7:24:37 PM |
| jubilant-auction5 | $25.00 | $25.00 | 9/22/2010 6:24:32 PM |
| ingenious-deal6 | $25.00 | $25.00 | 9/22/2010 9:34:09 PM |
| Jloaner | $26.00 | $26.00 | 9/22/2010 9:42:06 PM |
| bill-mushroom | $25.00 | $25.00 | 9/23/2010 2:43:48 AM |
| well-mannered-income3 | $30.00 | $30.00 | 9/23/2010 1:40:31 PM |
| GElender | $25.00 | $25.00 | 9/23/2010 10:33:15 PM |
| important-openness1 | $100.00 | $100.00 | 9/23/2010 11:12:34 PM |
| enthralling-deal180 | $26.24 | $26.24 | 9/24/2010 1:48:34 PM |
| helping-out | $30.00 | $30.00 | 9/24/2010 3:30:05 PM |
| finance-magma7 | $100.00 | $100.00 | 9/24/2010 3:30:17 PM |
| reward-adventure | $30.00 | $30.00 | 9/24/2010 3:30:46 PM |
| a-bountiful-trade | $25.00 | $25.00 | 9/24/2010 3:59:13 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 9/24/2010 4:39:22 PM |
| mpatrick | $25.00 | $25.00 | 9/24/2010 5:26:15 PM |
| Little_Tuna_College_Fund | $50.00 | $50.00 | 9/24/2010 10:56:05 PM |
| Little_Tuna_College_Fund | $50.00 | $50.00 | 9/24/2010 10:56:39 PM |
| PatRichi | $25.00 | $25.00 | 9/25/2010 2:44:07 AM |
| RMB-Investments | $50.00 | $50.00 | 9/25/2010 7:08:05 AM |
| CC911 | $25.00 | $25.00 | 9/25/2010 10:28:29 AM |
| 108lender | $100.00 | $45.08 | 9/25/2010 10:53:48 AM |
| 60 bids
|
Borrower Payment Dependent Notes Series
476488
This series of Notes was issued and sold upon the funding of the borrower loan #44564, 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:
| 18.3% |
Auction start date:
| Sep-21-2010 |
| |
Auction end date:
| Sep-28-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $158.33 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 16.79% - 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):
| 6 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 620-639 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 4 |
Current / open credit lines:
| 8
/
6 | Length of status: | 10y 8m |
|
Amount delinquent:
| $1,946 |
Total credit lines:
| 19 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,548 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| JRFYDAD |
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:
| 0 / 1 |
On-time:
| 29 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Sep-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
Short Term Loan Request
Purpose of loan:
This loan will be used to? Short term funding for college expenses.
My financial situation:
I am a good candidate for this loan because?I have borrowed $3,000 through Prosper before and paid that loan off wothout issue and with no late penalties.?I?intend to pay off the new loan in December 2010 when?company profit sharing is?received. I also have over $5,000 in stock options vesting in late November 2010.?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 9/21/2010 3:21:31 PM |
| alexgalt | $100.00 | $100.00 | 9/21/2010 3:21:34 PM |
| simplelender80 | $100.00 | $100.00 | 9/21/2010 3:24:24 PM |
| agiovasil | $100.00 | $68.65 | 9/21/2010 3:28:34 PM |
| CommunityArts_Non-profit | $50.00 | $50.00 | 9/21/2010 11:03:50 PM |
| Amber_Stone | $25.00 | $25.00 | 9/22/2010 5:33:55 AM |
| niceguy777 | $25.00 | $25.00 | 9/22/2010 6:08:27 AM |
| Kash2010lu | $50.00 | $50.00 | 9/22/2010 6:22:41 AM |
| restless-dime | $50.00 | $50.00 | 9/22/2010 10:11:39 PM |
| currency-bumblebee | $50.00 | $50.00 | 9/23/2010 4:32:37 PM |
| fizicks06 | $25.00 | $25.00 | 9/24/2010 8:54:59 PM |
| Mark-M | $25.00 | $25.00 | 9/25/2010 9:58:06 AM |
| illinois_joe | $25.00 | $25.00 | 9/26/2010 3:52:52 PM |
| genuine-integrity0 | $25.00 | $25.00 | 9/26/2010 6:17:42 PM |
| loss-of-control | $25.00 | $25.00 | 9/26/2010 6:17:52 PM |
| progressive-treasure1 | $50.00 | $50.00 | 9/27/2010 8:08:11 AM |
| rtb892 | $33.36 | $33.36 | 9/27/2010 9:38:37 AM |
| reflective-rupee | $350.00 | $350.00 | 9/27/2010 1:46:38 PM |
| power-secret-agent | $25.00 | $25.00 | 9/27/2010 3:00:19 PM |
| power-secret-agent | $25.00 | $25.00 | 9/27/2010 2:59:59 PM |
| drcoop | $25.00 | $25.00 | 9/27/2010 3:48:36 PM |
| G-Love | $200.00 | $200.00 | 9/27/2010 5:19:59 PM |
| twjh | $25.00 | $25.00 | 9/27/2010 5:27:21 PM |
| eboomer2611 | $25.00 | $25.00 | 9/27/2010 7:18:22 PM |
| blitzen40 | $25.00 | $25.00 | 9/27/2010 7:47:07 PM |
| q4golf | $25.00 | $25.00 | 9/27/2010 8:02:12 PM |
| robertmm25 | $35.24 | $35.24 | 9/27/2010 9:55:32 PM |
| credit-missile | $25.00 | $25.00 | 9/27/2010 10:03:30 PM |
| whirlingdervish | $50.00 | $50.00 | 9/28/2010 1:25:12 AM |
| kulender | $100.00 | $100.00 | 9/21/2010 3:26:10 PM |
| reward-adventure | $50.00 | $50.00 | 9/21/2010 3:27:12 PM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 3:27:43 PM |
| agiovasil | $25.00 | $25.00 | 9/21/2010 3:28:09 PM |
| UCLA4life | $47.55 | $47.55 | 9/22/2010 12:51:07 AM |
| JobLowe | $25.20 | $25.20 | 9/22/2010 6:03:21 PM |
| Sudoku | $196.38 | $196.38 | 9/23/2010 1:28:46 AM |
| SolarMoonshine | $200.00 | $200.00 | 9/23/2010 3:48:35 AM |
| ore-dojo | $35.00 | $35.00 | 9/23/2010 8:52:33 AM |
| well-mannered-income3 | $40.00 | $40.00 | 9/24/2010 1:30:37 PM |
| penny-plato | $25.00 | $25.00 | 9/24/2010 4:18:05 PM |
| outofoffice | $50.00 | $50.00 | 9/25/2010 1:50:54 PM |
| ralf206 | $100.00 | $100.00 | 9/26/2010 5:22:33 PM |
| gold-cluster | $100.00 | $100.00 | 9/26/2010 6:26:50 PM |
| fizicks06 | $87.00 | $87.00 | 9/27/2010 4:39:09 AM |
| lender12345 | $25.00 | $25.00 | 9/27/2010 10:31:16 AM |
| seadogs | $25.00 | $25.00 | 9/27/2010 9:42:23 AM |
| TakeCare | $50.00 | $50.00 | 9/27/2010 1:08:49 PM |
| 340 | $100.00 | $100.00 | 9/27/2010 2:06:43 PM |
| atlas100 | $50.00 | $50.00 | 9/27/2010 1:38:48 PM |
| cashhelp | $25.00 | $25.00 | 9/27/2010 2:13:45 PM |
| Bob450 | $28.00 | $28.00 | 9/27/2010 2:38:56 PM |
| SkinnyFish | $25.00 | $25.00 | 9/27/2010 2:44:21 PM |
| Amber_Stone | $100.00 | $100.00 | 9/27/2010 2:31:11 PM |
| bobd32 | $25.00 | $25.00 | 9/27/2010 2:45:28 PM |
| power-secret-agent | $25.00 | $25.00 | 9/27/2010 2:59:47 PM |
| bughead | $25.00 | $25.00 | 9/27/2010 3:13:04 PM |
| hillerod | $25.00 | $25.00 | 9/27/2010 3:40:35 PM |
| icon688 | $25.00 | $25.00 | 9/27/2010 3:44:44 PM |
| priceless-euro0 | $25.00 | $25.00 | 9/27/2010 3:47:31 PM |
| imoutdoorsy | $25.00 | $25.00 | 9/27/2010 4:34:57 PM |
| verticalhorizon | $28.62 | $28.62 | 9/27/2010 4:57:07 PM |
| MStackIV | $50.00 | $50.00 | 9/27/2010 5:08:13 PM |
| payout-comet | $25.00 | $25.00 | 9/27/2010 5:33:10 PM |
| Kash2010lu | $25.00 | $25.00 | 9/27/2010 6:47:54 PM |
| atomantic | $25.00 | $25.00 | 9/27/2010 7:02:43 PM |
| Mr_Katana | $25.00 | $25.00 | 9/27/2010 6:11:54 PM |
| dudebrah | $25.00 | $25.00 | 9/27/2010 7:36:08 PM |
| 67 bids
|
Borrower Payment Dependent Notes Series
476522
This series of Notes was issued and sold upon the funding of the borrower loan #44596, 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:
| Sep-21-2010 |
| |
Auction end date:
| Sep-28-2010 |
|
|
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:
| 5.79% - 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-2006 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,542 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| power-genius |
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
Almost Free
Purpose of loan:
This loan will be used to?
Consolidate 1 car loan and 4 credit accounts. Which will allow me to reduce 888.23 a month in payments to around 350.00. The reason for payments totaling 888.23 a month I never pay the minimum payment. I have finished settling into a new house that I purchased in April and completed all repairs and updates. My son will turn 5 in June which he will start private school and the extra money will come in very handy. Would like to be able to start a savings fund for his college.
My financial situation:
I am a good candidate for this loan because? I have never missed a payment or been late for one. I don?t bounce around from job to job.
Monthly net income: $ 3480
Monthly expenses: $
Housing: $ 1352.00
Insurance: $87.00 car/life
Car expenses: $ 338.00 payment
Utilities: $ 300.00
Phone, cable, internet: $ 250.00
Food, entertainment: $
Clothing, household expenses $
Credit cards and other loans: $ 550.00
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 | 9/21/2010 3:19:22 PM |
| ray1051 | $25.00 | $25.00 | 9/21/2010 3:19:48 PM |
| soheagle | $50.00 | $50.00 | 9/21/2010 3:22:52 PM |
| jigsaw | $100.00 | $100.00 | 9/21/2010 3:22:59 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/21/2010 3:23:20 PM |
| jazzlender | $25.00 | $25.00 | 9/21/2010 3:22:36 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/21/2010 3:24:34 PM |
| shmb6508 | $100.00 | $100.00 | 9/21/2010 3:28:15 PM |
| Gabriel02 | $25.00 | $25.00 | 9/21/2010 3:28:21 PM |
| peripatetic | $25.00 | $25.00 | 9/21/2010 3:23:28 PM |
| mtquan | $25.00 | $25.00 | 9/21/2010 3:24:08 PM |
| irrelevant | $25.00 | $25.00 | 9/21/2010 3:35:19 PM |
| ichibon | $150.00 | $150.00 | 9/21/2010 3:24:33 PM |
| simplelender80 | $250.00 | $250.00 | 9/21/2010 3:25:13 PM |
| larrybird | $150.00 | $150.00 | 9/21/2010 4:49:28 PM |
| Comoparklender | $50.00 | $50.00 | 9/21/2010 3:25:57 PM |
| 108lender | $25.00 | $25.00 | 9/21/2010 4:48:44 PM |
| AF-Chief | $25.00 | $25.00 | 9/21/2010 4:49:13 PM |
| UT-Longhorn | $25.00 | $25.00 | 9/21/2010 6:14:01 PM |
| blue-useful-auction | $25.00 | $25.00 | 9/21/2010 4:25:04 PM |
| FG9YTR | $25.00 | $25.00 | 9/21/2010 4:33:06 PM |
| WiseInvestments | $50.00 | $50.00 | 9/21/2010 4:48:42 PM |
| CAGE-Investments | $25.00 | $25.00 | 9/21/2010 4:49:11 PM |
| danthemon35 | $25.00 | $25.00 | 9/21/2010 4:54:22 PM |
| point-shooter | $49.87 | $49.87 | 9/21/2010 7:43:57 PM |
| direct-yield | $25.00 | $25.00 | 9/21/2010 7:43:55 PM |
| romario | $25.55 | $25.55 | 9/22/2010 12:36:01 AM |
| skiforglory | $25.00 | $25.00 | 9/22/2010 12:36:11 AM |
| RedCentre | $140.14 | $140.14 | 9/22/2010 12:46:10 AM |
| MrMoney0622 | $25.00 | $25.00 | 9/22/2010 12:45:09 AM |
| Prosp_Lender | $25.32 | $25.32 | 9/22/2010 12:46:44 AM |
| thunderd | $25.00 | $25.00 | 9/22/2010 1:01:47 AM |
| agiovasil | $25.00 | $25.00 | 9/21/2010 8:48:07 PM |
| miket71 | $53.08 | $53.08 | 9/22/2010 1:05:49 AM |
| market-inspector | $25.00 | $25.00 | 9/22/2010 1:18:51 AM |
| greenback-summoner0 | $25.00 | $25.00 | 9/22/2010 1:24:11 AM |
| uncleharold | $25.00 | $25.00 | 9/22/2010 1:24:26 AM |
| GetItRight | $25.00 | $25.00 | 9/22/2010 1:58:24 AM |
| IeatatWendys | $25.00 | $25.00 | 9/22/2010 4:53:29 AM |
| Artist_Blue | $25.00 | $25.00 | 9/22/2010 6:08:29 AM |
| JTCorp | $25.00 | $25.00 | 9/22/2010 1:00:17 AM |
| vigilance-accruer | $25.00 | $25.00 | 9/22/2010 7:49:09 AM |
| steady-bazaar | $38.23 | $38.23 | 9/22/2010 7:09:36 AM |
| lounges | $32.25 | $32.25 | 9/22/2010 1:18:06 AM |
| Macinvest | $25.00 | $25.00 | 9/22/2010 7:58:24 AM |
| Herluftrolle | $25.00 | $25.00 | 9/22/2010 7:28:12 AM |
| trustworthy-fairness | $50.00 | $50.00 | 9/22/2010 1:20:53 AM |
| Cypher041 | $25.00 | $25.00 | 9/22/2010 9:33:54 AM |
| Savings_EQ_Dignity | $30.00 | $30.00 | 9/22/2010 7:09:29 AM |
| penny-plato | $25.00 | $25.00 | 9/22/2010 2:16:22 PM |
| Bank_Of_XL | $50.00 | $50.00 | 9/22/2010 3:27:56 PM |
| GeorgiaGator | $50.00 | $50.00 | 9/22/2010 6:17:51 PM |
| a-finance-nirvana | $25.00 | $25.00 | 9/22/2010 11:51:44 PM |
| triumph329 | $25.00 | $25.00 | 9/23/2010 6:53:58 AM |
| cathexis | $50.00 | $50.00 | 9/23/2010 6:54:22 AM |
| worthy-bid8 | $50.00 | $50.00 | 9/23/2010 1:00:03 PM |
| boater01 | $50.00 | $50.00 | 9/23/2010 1:18:24 PM |
| red-adaptable-funds | $50.00 | $50.00 | 9/23/2010 4:18:01 PM |
| frizzzzank | $29.77 | $29.77 | 9/23/2010 4:29:34 PM |
| Tradesmanlender | $25.00 | $25.00 | 9/23/2010 4:20:02 PM |
| best-phenomenal-treasure | $25.00 | $25.00 | 9/23/2010 6:48:54 PM |
| fairness-kayak | $25.00 | $25.00 | 9/23/2010 10:34:26 PM |
| Premierelender | $25.00 | $25.00 | 9/24/2010 3:23:09 AM |
| whatreality | $25.00 | $25.00 | 9/24/2010 6:35:56 AM |
| orgy63 | $25.00 | $25.00 | 9/24/2010 4:37:20 AM |
| bill-mushroom | $25.00 | $25.00 | 9/24/2010 9:45:13 AM |
| nickel-hickory | $25.00 | $25.00 | 9/24/2010 12:18:12 PM |
| hookUup | $25.00 | $25.00 | 9/24/2010 3:00:48 PM |
| golden-bid9 | $50.00 | $50.00 | 9/24/2010 3:27:18 PM |
| friendly-market5 | $35.95 | $35.95 | 9/24/2010 5:10:22 PM |
| fantastic-deal5 | $50.00 | $50.00 | 9/24/2010 4:55:06 PM |
| ONECENTATATIME | $30.00 | $30.00 | 9/24/2010 6:05:32 PM |
| sound | $50.00 | $50.00 | 9/24/2010 6:52:04 PM |
| bountiful-durability | $100.00 | $100.00 | 9/24/2010 7:12:37 PM |
| Aimvest | $25.00 | $25.00 | 9/24/2010 11:02:22 PM |
| Cai8899 | $50.00 | $50.00 | 9/25/2010 1:55:15 AM |
| objective-investor | $100.00 | $100.00 | 9/25/2010 5:17:06 AM |
| icchok | $50.00 | $50.00 | 9/25/2010 8:37:19 AM |
| gracej | $25.00 | $25.00 | 9/25/2010 11:18:12 AM |
| loan-wasp | $49.21 | $49.21 | 9/25/2010 1:47:50 PM |
| julijask | $25.00 | $25.00 | 9/25/2010 1:52:59 PM |
| economy-popcorn | $25.00 | $25.00 | 9/25/2010 2:16:46 PM |
| tonpa | $50.00 | $50.00 | 9/25/2010 8:59:59 PM |
| Clambake | $50.00 | $50.00 | 9/26/2010 4:23:13 AM |
| MarinLoans | $25.00 | $25.00 | 9/26/2010 7:28:51 AM |
| Moneypenny6 | $25.00 | $25.00 | 9/26/2010 10:59:37 AM |
| fuisci | $28.00 | $28.00 | 9/26/2010 1:29:03 PM |
| sassykatty | $50.00 | $50.00 | 9/26/2010 8:18:47 PM |
| riproaringrapids | $25.00 | $25.00 | 9/27/2010 1:17:27 AM |
| falcone | $25.00 | $25.00 | 9/27/2010 9:13:23 AM |
| Cre8iveCash | $25.00 | $25.00 | 9/27/2010 11:05:49 AM |
| leeball | $50.00 | $50.00 | 9/27/2010 11:23:14 AM |
| TakeCare | $100.00 | $100.00 | 9/27/2010 1:10:31 PM |
| patriot384 | $360.00 | $360.00 | 9/27/2010 1:12:32 PM |
| cutter21 | $25.00 | $25.00 | 9/27/2010 1:53:39 PM |
| fireboss | $50.00 | $50.00 | 9/27/2010 2:31:30 PM |
| credit-panda1 | $25.00 | $25.00 | 9/27/2010 2:57:24 PM |
| ONECENTATATIME | $30.00 | $30.00 | 9/27/2010 3:42:19 PM |
| reflective-rupee | $72.00 | $72.00 | 9/27/2010 3:42:29 PM |
| principal-bull | $25.00 | $25.00 | 9/27/2010 3:58:52 PM |
| IIP77 | $25.00 | $25.00 | 9/27/2010 4:12:02 PM |
| finance-magma7 | $100.00 | $100.00 | 9/27/2010 4:12:33 PM |
| ommcd | $25.00 | $25.00 | 9/27/2010 4:12:38 PM |
| cashhelp | $25.00 | $25.00 | 9/27/2010 4:08:59 PM |
| ferocious-finance | $25.00 | $25.00 | 9/27/2010 4:12:36 PM |
| RMB-Investments | $50.00 | $50.00 | 9/27/2010 6:10:43 PM |
| calinno2 | $50.00 | $50.00 | 9/27/2010 5:52:22 PM |
| ussugm | $25.00 | $25.00 | 9/27/2010 6:23:23 PM |
| airrbob | $50.00 | $50.00 | 9/27/2010 6:09:57 PM |
| djh47a | $25.00 | $25.00 | 9/27/2010 6:10:12 PM |
| ro37 | $25.00 | $25.00 | 9/27/2010 6:53:11 PM |
| credit-birch | $100.00 | $100.00 | 9/27/2010 8:00:43 PM |
| pvconn | $50.00 | $50.00 | 9/27/2010 6:53:12 PM |
| attentive-income | $50.00 | $50.00 | 9/27/2010 8:47:02 PM |
| vigorous-note | $50.00 | $50.00 | 9/27/2010 9:17:09 PM |
| psa1995 | $50.00 | $50.00 | 9/27/2010 8:37:08 PM |
| saysana | $25.00 | $25.00 | 9/27/2010 9:53:28 PM |
| diplomatic-wealth7 | $49.39 | $49.39 | 9/27/2010 9:32:17 PM |
| TeamAmerica | $25.00 | $25.00 | 9/27/2010 11:22:49 PM |
| MattProsper | $60.00 | $60.00 | 9/27/2010 9:14:54 PM |
| wonderful-rupee | $25.00 | $25.00 | 9/27/2010 9:32:21 PM |
| wwwUniversal | $25.00 | $25.00 | 9/28/2010 12:36:29 AM |
| contract-high-five | $25.00 | $25.00 | 9/28/2010 3:51:28 AM |
| ClearLake | $25.00 | $25.00 | 9/28/2010 12:05:27 AM |
| kmwvma | $25.00 | $25.00 | 9/28/2010 12:19:36 AM |
| ptjg | $50.00 | $50.00 | 9/28/2010 12:19:39 AM |
| Mindful7 | $25.00 | $25.00 | 9/28/2010 4:40:38 AM |
| availableloan | $25.00 | $25.00 | 9/28/2010 7:42:53 AM |
| jslo722 | $30.00 | $30.00 | 9/28/2010 7:17:02 AM |
| logical-moola4 | $50.00 | $50.00 | 9/21/2010 3:19:29 PM |
| schpere | $75.00 | $75.00 | 9/21/2010 3:19:59 PM |
| ksubd | $30.34 | $30.34 | 9/21/2010 3:20:56 PM |
| lendstats_com | $25.00 | $25.00 | 9/21/2010 3:21:02 PM |
| GElender | $100.00 | $100.00 | 9/21/2010 3:22:30 PM |
| handshake5 | $25.00 | $25.00 | 9/21/2010 3:22:41 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/21/2010 3:22:59 PM |
| pfh | $25.00 | $25.00 | 9/21/2010 3:23:13 PM |
| papaloha | $25.00 | $25.00 | 9/21/2010 3:20:01 PM |
| generous-deal6 | $50.00 | $50.00 | 9/21/2010 3:23:39 PM |
| first-listing-expert | $25.00 | $25.00 | 9/21/2010 3:24:52 PM |
| mla | $25.00 | $25.00 | 9/21/2010 3:26:14 PM |
| rescue | $50.00 | $50.00 | 9/21/2010 3:20:03 PM |
| tech310 | $50.00 | $50.00 | 9/21/2010 3:26:54 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/21/2010 3:22:26 PM |
| kmr2 | $150.00 | $150.00 | 9/21/2010 3:22:47 PM |
| bid-czar8 | $100.00 | $100.00 | 9/21/2010 3:23:46 PM |
| kegs | $50.00 | $50.00 | 9/21/2010 3:23:59 PM |
| worldly-community3 | $50.00 | $50.00 | 9/21/2010 4:40:11 PM |
| visionary-community | $25.00 | $25.00 | 9/21/2010 4:48:58 PM |
| gethsemane4 | $25.00 | $25.00 | 9/21/2010 3:26:34 PM |
| radforj22 | $25.00 | $25.00 | 9/21/2010 3:27:22 PM |
| ClearCut | $50.00 | $50.00 | 9/21/2010 5:04:40 PM |
| gold-channel2 | $50.00 | $50.00 | 9/21/2010 3:58:14 PM |
| mogul16 | $25.00 | $25.00 | 9/21/2010 5:59:48 PM |
| CasaDeTomas | $100.00 | $100.00 | 9/21/2010 7:08:42 PM |
| CO80487 | $50.00 | $50.00 | 9/21/2010 4:48:41 PM |
| XopherMV | $25.00 | $25.00 | 9/21/2010 4:48:48 PM |
| tranquil-return4 | $25.00 | $25.00 | 9/21/2010 4:49:06 PM |
| lendmedo | $25.00 | $25.00 | 9/21/2010 7:43:52 PM |
| money-bauble | $25.00 | $25.00 | 9/21/2010 7:58:23 PM |
| Relevance | $25.00 | $25.00 | 9/21/2010 7:43:51 PM |
| TheoProf | $50.00 | $50.00 | 9/21/2010 7:44:00 PM |
| nicklds | $28.33 | $28.33 | 9/22/2010 12:36:06 AM |
| movistar | $25.00 | $25.00 | 9/22/2010 12:36:13 AM |
| Dutchhunter | $36.32 | $36.32 | 9/22/2010 12:46:27 AM |
| Edwin_Rae | $25.00 | $25.00 | 9/22/2010 12:47:10 AM |
| lysholm | $25.00 | $25.00 | 9/22/2010 12:47:55 AM |
| fopaul13 | $25.00 | $25.00 | 9/22/2010 12:47:08 AM |
| Cheburashka | $25.00 | $25.00 | 9/22/2010 12:50:50 AM |
| CapeDollars | $50.00 | $50.00 | 9/22/2010 1:00:54 AM |
| newfoundation | $25.00 | $25.00 | 9/22/2010 1:03:19 AM |
| a-consummate-camaraderi | $38.23 | $38.23 | 9/22/2010 1:19:01 AM |
| vegibenz | $25.00 | $25.00 | 9/22/2010 12:28:42 AM |
| USCGC | $25.00 | $25.00 | 9/22/2010 1:00:00 AM |
| Int_PrinRateTime4000 | $35.00 | $35.00 | 9/22/2010 1:01:11 AM |
| Longtermcapitalmgmt | $25.00 | $25.00 | 9/22/2010 1:02:01 AM |
| JustMee | $25.00 | $25.00 | 9/22/2010 7:04:09 AM |
| jleng | $25.00 | $25.00 | 9/22/2010 1:07:04 AM |
| mattbly | $25.00 | $25.00 | 9/22/2010 1:07:13 AM |
| newgroom422 | $25.00 | $25.00 | 9/22/2010 7:09:28 AM |
| jdrez | $25.00 | $25.00 | 9/22/2010 7:53:17 AM |
| russm011 | $25.00 | $25.00 | 9/22/2010 1:22:32 AM |
| chicago_shark | $25.00 | $25.00 | 9/22/2010 8:14:26 AM |
| lovely-order7 | $37.09 | $37.09 | 9/22/2010 8:48:37 AM |
| Tomeus | $75.00 | $75.00 | 9/22/2010 9:33:44 AM |
| justice-clipper | $26.64 | $26.64 | 9/22/2010 7:09:32 AM |
| maldok1 | $25.00 | $25.00 | 9/22/2010 12:55:03 PM |
| Sol_Invictus | $25.00 | $25.00 | 9/22/2010 2:38:04 PM |
| power-secret-agent | $25.00 | $25.00 | 9/22/2010 4:05:41 PM |
| marketplace-cello5 | $50.00 | $50.00 | 9/22/2010 7:58:16 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/22/2010 11:31:33 PM |
| dollardave | $100.00 | $100.00 | 9/23/2010 9:18:19 AM |
| patriot897 | $50.00 | $50.00 | 9/23/2010 9:25:31 AM |
| DRA-Properties | $25.00 | $25.00 | 9/23/2010 9:50:05 AM |
| well-rounded-dinero | $75.00 | $75.00 | 9/23/2010 9:26:04 AM |
| bold-careful-finance | $25.00 | $25.00 | 9/23/2010 6:33:15 PM |
| FinDoc | $25.00 | $25.00 | 9/23/2010 8:23:50 PM |
| herbyman | $50.00 | $50.00 | 9/24/2010 5:37:34 AM |
| LexerdGroupCapital | $25.00 | $25.00 | 9/24/2010 10:33:07 AM |
| mike_banker | $50.00 | $50.00 | 9/24/2010 1:07:36 PM |
| rockstar78 | $50.00 | $50.00 | 9/24/2010 1:07:53 PM |
| LongTail | $25.00 | $25.00 | 9/24/2010 2:17:36 PM |
| 6moonbeams | $25.00 | $25.00 | 9/24/2010 1:48:36 PM |
| peb44 | $25.00 | $25.00 | 9/24/2010 2:59:44 PM |
| ideal-platinum1 | $50.00 | $50.00 | 9/24/2010 2:58:00 PM |
| williemc44 | $50.00 | $50.00 | 9/24/2010 3:23:13 PM |
| credit-scout7 | $50.00 | $50.00 | 9/24/2010 3:33:09 PM |
| icecoldcash | $50.00 | $50.00 | 9/24/2010 5:07:20 PM |
| Ripsaw4U | $41.90 | $41.90 | 9/24/2010 4:38:06 PM |
| Fiimg | $50.00 | $50.00 | 9/24/2010 8:02:17 PM |
| justice-collector | $25.00 | $25.00 | 9/25/2010 2:22:17 AM |
| powerful-finance7 | $25.00 | $25.00 | 9/25/2010 4:32:24 AM |
| Interstate_Rate | $100.00 | $100.00 | 9/25/2010 10:47:23 AM |
| efficient-treasure0 | $25.00 | $25.00 | 9/25/2010 1:02:22 PM |
| helpinghand75 | $50.00 | $50.00 | 9/25/2010 1:47:49 PM |
| szetheli | $159.00 | $159.00 | 9/25/2010 6:25:09 PM |
| new-social-economist | $50.00 | $50.00 | 9/25/2010 8:07:19 PM |
| mlbox3k | $50.00 | $50.00 | 9/26/2010 7:27:24 AM |
| best-marketologist | $25.00 | $25.00 | 9/26/2010 9:09:45 AM |
| a-power-amigo | $25.00 | $25.00 | 9/26/2010 1:35:10 PM |
| ferocious-camaraderi1 | $100.00 | $100.00 | 9/26/2010 11:52:49 AM |
| banker727 | $26.72 | $26.72 | 9/26/2010 3:27:22 PM |
| brittany | $100.00 | $100.00 | 9/26/2010 6:06:27 PM |
| jdwillcox | $50.00 | $50.00 | 9/26/2010 8:33:34 PM |
| powerful-greenback2 | $25.00 | $25.00 | 9/26/2010 7:08:24 PM |
| Interloper | $35.00 | $35.00 | 9/26/2010 7:23:19 PM |
| BeanCownter | $25.00 | $25.00 | 9/27/2010 9:00:18 AM |
| greenbackapult9 | $50.00 | $50.00 | 9/27/2010 9:37:43 AM |
| dollar-doughnut6 | $50.00 | $50.00 | 9/27/2010 9:37:34 AM |
| trade-freshmaker | $50.00 | $50.00 | 9/27/2010 11:03:30 AM |
| Rivervale_Westwood | $25.00 | $25.00 | 9/27/2010 9:42:43 AM |
| cathmorcorvus | $100.00 | $100.00 | 9/27/2010 10:41:02 AM |
| benjamins-den | $25.00 | $25.00 | 9/27/2010 11:03:37 AM |
| grf1945 | $50.00 | $50.00 | 9/27/2010 1:08:39 PM |
| return-percolator8 | $50.00 | $50.00 | 9/27/2010 1:09:21 PM |
| JKKCapital | $25.00 | $25.00 | 9/27/2010 1:05:21 PM |
| doncm | $50.00 | $50.00 | 9/27/2010 1:08:45 PM |
| reflective-rupee | $125.00 | $125.00 | 9/27/2010 1:47:37 PM |
| BSr | $25.00 | $25.00 | 9/27/2010 1:33:46 PM |
| hollywood_muneca | $64.95 | $64.95 | 9/27/2010 2:25:11 PM |
| felicity-daydream | $50.00 | $50.00 | 9/27/2010 2:10:23 PM |
| octoberfresh | $25.00 | $25.00 | 9/27/2010 2:10:56 PM |
| FASN8U | $25.00 | $25.00 | 9/27/2010 2:35:04 PM |
| trumpeter5 | $50.00 | $50.00 | 9/27/2010 3:44:44 PM |
| penny-chooser | $25.00 | $25.00 | 9/27/2010 3:54:58 PM |
| best-shiny-hope | $25.00 | $25.00 | 9/27/2010 5:29:42 PM |
| wise-silver-wonder | $25.00 | $25.00 | 9/27/2010 5:47:07 PM |
| sarisai | $50.00 | $50.00 | 9/27/2010 4:11:11 PM |
| LAKESPRING | $25.00 | $25.00 | 9/27/2010 6:10:43 PM |
| rmpedi33 | $50.00 | $50.00 | 9/27/2010 4:26:01 PM |
| chrisb4745 | $50.00 | $50.00 | 9/27/2010 4:32:31 PM |
| Ocean713 | $50.00 | $50.00 | 9/27/2010 6:09:59 PM |
| dajen1 | $50.00 | $50.00 | 9/27/2010 5:26:54 PM |
| ddamenace | $50.00 | $50.00 | 9/27/2010 6:38:08 PM |
| Wally1727 | $50.00 | $50.00 | 9/27/2010 6:53:10 PM |
| ericgassercom | $34.04 | $34.04 | 9/27/2010 6:53:13 PM |
| the-silver-blaster | $50.00 | $50.00 | 9/27/2010 7:28:05 PM |
| lostontheedge | $25.00 | $25.00 | 9/27/2010 6:11:10 PM |
| note-axis5 | $50.00 | $50.00 | 9/27/2010 6:53:10 PM |
| gulch | $25.70 | $25.70 | 9/27/2010 7:32:18 PM |
| helping-out | $43.62 | $43.62 | 9/27/2010 6:57:01 PM |
| Easystreet | $25.00 | $25.00 | 9/27/2010 7:47:00 PM |
| integrity-trumpet | $50.00 | $50.00 | 9/27/2010 9:32:20 PM |
| anders94 | $25.00 | $25.00 | 9/27/2010 8:43:32 PM |
| DcUnited | $30.00 | $30.00 | 9/28/2010 12:19:25 AM |
| Devsfan3 | $50.00 | $50.00 | 9/28/2010 12:19:49 AM |
| bxdoc | $75.00 | $25.28 | 9/28/2010 12:36:34 AM |
| zorg77 | $25.00 | $25.00 | 9/27/2010 11:52:12 PM |
| rockhound84 | $25.00 | $25.00 | 9/28/2010 1:15:58 AM |
| hrubinst | $47.16 | $47.16 | 9/28/2010 12:19:19 AM |
| Ready2Loan | $25.00 | $25.00 | 9/27/2010 11:52:17 PM |
| Picopie | $50.00 | $50.00 | 9/28/2010 12:05:09 AM |
| thrilling-nickel5 | $40.92 | $40.92 | 9/28/2010 4:37:06 AM |
| shrewd-income | $100.00 | $100.00 | 9/28/2010 7:23:32 AM |
| 274 bids
|
Borrower Payment Dependent Notes Series
476524
This series of Notes was issued and sold upon the funding of the borrower loan #44588, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-21-2010 |
| |
Auction end date:
| Sep-26-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $102.73 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $102.73 |
| |
|
Auction yield range:
| 10.79% - 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:
| Oct-2000 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
14 | Length of status: | 7y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $159,742 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| gaurantee101 |
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
Pay off Discover Card
Purpose of loan:
This loan will be used to pay of a high interest discover card.
My financial situation:
I am a good candidate for this loan because i have never missed or been late with payments. Employed in the high tech industry.
Monthly net income: $
11,000
Monthly expenses: $
??Housing: $
2698
??Insurance: $
50
??Car expenses: $
0 (Both cars are paid off)
??Utilities: $
150
??Phone, cable, internet: $
125
??Food, entertainment: $
500
??Clothing, household expenses $
100
??Credit cards and other loans: $
1600
??Other expenses: $
0
Revolving credit balance:$159,742 (75,000 was a HELOC to split the primary loan no money was spent.)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| elegant-bonus | $25.00 | $25.00 | 9/21/2010 3:10:48 PM |
| patriot897 | $25.00 | $25.00 | 9/21/2010 3:11:18 PM |
| 6moonbeams | $25.00 | $25.00 | 9/21/2010 3:22:20 PM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 3:27:38 PM |
| simplelender80 | $100.00 | $100.00 | 9/21/2010 3:21:14 PM |
| LoisLoan | $25.00 | $25.00 | 9/21/2010 5:53:14 PM |
| villagers | $25.00 | $25.00 | 9/21/2010 7:23:14 PM |
| EBITDA | $25.00 | $25.00 | 9/21/2010 9:58:58 PM |
| frogperson | $200.00 | $200.00 | 9/21/2010 9:04:52 PM |
| Artist_Blue | $25.00 | $25.00 | 9/22/2010 6:03:19 AM |
| Joshua_E | $25.00 | $25.00 | 9/22/2010 7:36:19 AM |
| bid-czar8 | $100.00 | $100.00 | 9/22/2010 3:06:10 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 9/22/2010 3:14:26 PM |
| musegaze | $100.00 | $100.00 | 9/22/2010 3:06:05 PM |
| new-peso-concerto | $100.00 | $100.00 | 9/23/2010 7:11:53 PM |
| sfmf | $25.00 | $25.00 | 9/24/2010 11:47:12 AM |
| rescue | $100.00 | $100.00 | 9/24/2010 12:59:22 PM |
| bill-mushroom | $25.00 | $25.00 | 9/24/2010 3:28:17 PM |
| important-openness1 | $41.21 | $41.21 | 9/24/2010 3:30:15 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 9/24/2010 4:39:38 PM |
| new-truth-chuckler | $25.00 | $25.00 | 9/24/2010 5:32:25 PM |
| Little_Tuna_College_Fund | $50.00 | $50.00 | 9/24/2010 11:00:35 PM |
| Little_Tuna_College_Fund | $50.00 | $50.00 | 9/24/2010 11:00:57 PM |
| gold-channel2 | $29.70 | $29.70 | 9/25/2010 12:23:26 PM |
| heatherwood | $50.00 | $50.00 | 9/25/2010 3:53:12 PM |
| rf7949 | $25.00 | $25.00 | 9/26/2010 4:35:10 AM |
| Mindful7 | $25.00 | $25.00 | 9/26/2010 7:59:09 AM |
| Rattlehead | $25.00 | $25.00 | 9/21/2010 3:11:29 PM |
| brother_tam | $50.00 | $50.00 | 9/21/2010 3:10:44 PM |
| money-bauble | $50.00 | $50.00 | 9/21/2010 3:10:51 PM |
| handshake5 | $25.00 | $25.00 | 9/21/2010 3:22:09 PM |
| kulender | $50.00 | $50.00 | 9/21/2010 3:25:11 PM |
| Comoparklender | $40.00 | $40.00 | 9/21/2010 3:25:49 PM |
| tech310 | $50.00 | $50.00 | 9/21/2010 3:26:55 PM |
| cashonhand | $25.00 | $25.00 | 9/21/2010 5:08:24 PM |
| agiovasil | $25.00 | $25.00 | 9/21/2010 4:56:08 PM |
| penny-plato | $25.00 | $25.00 | 9/21/2010 3:51:33 PM |
| mercuriant | $25.00 | $25.00 | 9/21/2010 9:59:08 PM |
| AF-Chief | $25.00 | $25.00 | 9/21/2010 7:58:24 PM |
| MAYBROOK | $75.00 | $75.00 | 9/22/2010 3:48:46 AM |
| ingenious-deal6 | $25.00 | $25.00 | 9/23/2010 2:20:27 PM |
| asiaratt | $50.00 | $50.00 | 9/24/2010 7:33:35 AM |
| papaloha | $25.00 | $25.00 | 9/24/2010 12:05:19 PM |
| a-bountiful-trade | $25.00 | $25.00 | 9/24/2010 3:59:27 PM |
| Whipster | $25.00 | $25.00 | 9/24/2010 5:08:01 PM |
| jc33148 | $25.00 | $25.00 | 9/24/2010 6:56:07 PM |
| Little_Tuna_College_Fund | $50.00 | $50.00 | 9/24/2010 11:00:14 PM |
| 108lender | $100.00 | $100.00 | 9/25/2010 10:54:15 AM |
| patriot384 | $120.00 | $120.00 | 9/25/2010 2:06:36 PM |
| wwwUniversal | $25.00 | $25.00 | 9/25/2010 2:07:11 PM |
| SqueezeKing | $25.00 | $25.00 | 9/25/2010 10:50:38 PM |
| shellstar | $25.00 | $25.00 | 9/26/2010 6:38:43 AM |
| bountiful-durability | $100.00 | $44.09 | 9/26/2010 9:59:55 AM |
| pani5ue | $25.00 | $25.00 | 9/26/2010 11:08:07 AM |
| 54 bids
|
Borrower Payment Dependent Notes Series
476612
This series of Notes was issued and sold upon the funding of the borrower loan #44582, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% |
Auction start date:
| Sep-22-2010 |
| |
Auction end date:
| Sep-24-2010 |
|
|
Starting lender yield:
| 21.50% |
Starting borrower rate/APR:
| 22.50% / 27.35% |
Starting monthly payment:
| $46.14 |
|
Final lender yield:
| 20.99% |
Final borrower rate/APR:
| 21.99% / 26.82% |
Final monthly payment:
| $45.82 |
| |
|
Auction yield range:
| 10.79% - 21.50% |
Estimated loss impact:
| 10.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.68% | | |
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
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1983 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 620-639 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 28y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,369 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 57% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| loriejune |
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:
| 0 / 1 |
On-time:
| 27 ( 96% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 1
( 4% )
| 580-599
(Oct-2006)
|
|
Principal balance:
| $7.09 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? pay off?2 credit lines with intentions of closing one card as the fees are too high.????????
i had to refigure amount to borrow as i could not afford previous payment amount. this is a replacement listing.
My financial situation:
I am a good candidate for this loan because? i have a proven history of loan repayment and longterm employment with the same firm. cvs?
purchased long's drugs two years ago, and my employment was?uninterrupted. ?
Monthly net income: $ 1520.00
Monthly expenses: $
??Housing: $ 450.00
??Insurance: $ 25.00 for car
??Car expenses: $ 60.00 for gas?
??Utilities: $ included in rent for room in house
??Phone, cable, internet: $ 127.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 313.00 minimum
Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| transaction-circuit | $50.00 | $50.00 | 9/22/2010 9:41:25 AM |
| sweety075 | $25.00 | $25.00 | 9/22/2010 9:34:22 PM |
| MoneyForNothing | $36.90 | $36.90 | 9/22/2010 8:02:02 PM |
| mercuriant | $25.00 | $25.00 | 9/23/2010 12:50:43 PM |
| sincere-fund1 | $25.00 | $25.00 | 9/23/2010 6:36:09 PM |
| neorunner | $25.00 | $25.00 | 9/23/2010 7:20:24 PM |
| velocity-motivator6 | $25.00 | $25.00 | 9/23/2010 5:54:40 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 9/24/2010 6:32:22 AM |
| contract-high-five | $25.00 | $25.00 | 9/24/2010 7:58:35 AM |
| rakem777 | $25.00 | $25.00 | 9/24/2010 8:29:53 AM |
| payout-reaction740 | $25.00 | $25.00 | 9/24/2010 10:12:06 AM |
| katnmouse | $25.00 | $25.00 | 9/24/2010 10:09:21 AM |
| arenangelchild | $50.00 | $50.00 | 9/24/2010 1:54:59 PM |
| radar_love | $25.00 | $25.00 | 9/24/2010 1:59:28 PM |
| wlm3012 | $25.00 | $25.00 | 9/24/2010 2:20:15 PM |
| crab-e-bill | $25.00 | $25.00 | 9/24/2010 6:35:37 PM |
| hope-lionheart1 | $35.00 | $35.00 | 9/24/2010 8:49:10 PM |
| ethicalhumanist | $50.00 | $17.83 | 9/22/2010 9:40:15 AM |
| jpollar | $25.00 | $25.00 | 9/22/2010 11:45:03 AM |
| MoneyForNothing | $36.90 | $36.90 | 9/22/2010 8:06:17 PM |
| Onlyhappycustomers | $25.00 | $25.00 | 9/23/2010 4:51:45 PM |
| well-rounded-dinero | $50.00 | $50.00 | 9/23/2010 7:11:50 PM |
| scho0590 | $68.72 | $68.72 | 9/23/2010 6:45:49 PM |
| busyguy07 | $25.00 | $25.00 | 9/23/2010 8:04:36 PM |
| Julzlmt | $54.65 | $54.65 | 9/24/2010 5:27:40 AM |
| william8 | $25.00 | $25.00 | 9/24/2010 11:22:16 AM |
| EngineersAlliance | $150.00 | $150.00 | 9/24/2010 1:22:02 PM |
| clean-fund | $25.00 | $25.00 | 9/24/2010 1:54:52 PM |
| kgauss | $25.00 | $25.00 | 9/24/2010 1:28:31 PM |
| dRatedOnly | $25.00 | $25.00 | 9/24/2010 2:32:38 PM |
| power-secret-agent | $25.00 | $25.00 | 9/24/2010 4:45:42 PM |
| exchange-dreams | $25.00 | $25.00 | 9/24/2010 8:09:51 PM |
| Mr-Miracle | $25.00 | $25.00 | 9/24/2010 9:30:28 PM |
| 33 bids
|
Borrower Payment Dependent Notes Series
476960
This series of Notes was issued and sold upon the funding of the borrower loan #44595, 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:
| Sep-24-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
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:
| 13.79% - 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:
| Jun-1987 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
5 | Length of status: | 9y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,130 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| punctual-payment7 |
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
Last Try -- Medical Bills -- NOT HR
Purpose of loan: This loan is needed to pay up-front costs for 3 - 4 months of IV antibiotics to treat my husband?s Lyme disease plus coinfections.?
My financial situation:
I am a good candidate for this loan because?I am an accountant and my husband is a CPA. We both know how ridiculous it is to take out a loan with such a high interest rate. But after 10 years of illness, my husband is desperate to get his life back. We are angry and frustrated at all the incompetent doctors he has seen over the years.
?We just got back from a 1200 mile trip to see a highly recommended neurologist.?$950 got us a 5 hour appointment. The doc confirmed that my husband has no neurological disease and?he is confident that with more aggressive IV treatment my husband can still recover his health.
This loan is pretty much a sure bet. My husband's catstrophic medical insurance policy will reimburse 100% of medical expenses (now that we have met the waiting period, all deductibles and co-pays). But we need the money up-front to buy IV antibiotics and supplies for 3 - 4 months. Then we just have to wait for both insurance policies to process the claims.?
God bless anyone who is willing to help my husband recover his health by funding this loan. Just remember, one tick can change your life.
Update:? The first month of IV antibiotics have made a tremendous difference in my husband's symptoms. For the first time in 10 years his Parkinsonian tremors and myoclonus and other movement disorder symptoms are almost totally gone and he is also sleeping thru the nights without having seizure-like spells.
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) |
|
| AlexTrep | $25.00 | $25.00 | 9/24/2010 2:32:51 PM |
| agiovasil | $25.00 | $25.00 | 9/24/2010 2:35:45 PM |
| 6moonbeams | $25.00 | $25.00 | 9/24/2010 2:36:07 PM |
| handshake5 | $100.00 | $100.00 | 9/24/2010 2:36:25 PM |
| skybolt4 | $25.00 | $25.00 | 9/24/2010 3:19:00 PM |
| nowits10 | $25.00 | $25.00 | 9/24/2010 3:19:54 PM |
| cloud8 | $25.00 | $25.00 | 9/24/2010 3:18:51 PM |
| tjone69 | $35.02 | $35.02 | 9/24/2010 3:20:37 PM |
| Caerus | $50.00 | $20.93 | 9/24/2010 3:20:44 PM |
| dollardave | $100.00 | $100.00 | 9/24/2010 4:48:22 PM |
| fizicks06 | $25.00 | $25.00 | 9/24/2010 8:48:54 PM |
| pembull | $25.00 | $25.00 | 9/25/2010 2:48:18 AM |
| healingangel22 | $25.00 | $25.00 | 9/25/2010 11:15:23 AM |
| momentous-value | $25.00 | $25.00 | 9/25/2010 3:25:58 PM |
| yons88 | $25.00 | $25.00 | 9/26/2010 5:22:42 PM |
| villagers | $25.00 | $25.00 | 9/24/2010 2:32:53 PM |
| kulender | $100.00 | $100.00 | 9/24/2010 2:34:06 PM |
| contract-happiness1 | $25.00 | $25.00 | 9/24/2010 2:33:00 PM |
| AF-Chief | $25.00 | $25.00 | 9/24/2010 2:37:53 PM |
| patriot897 | $25.00 | $25.00 | 9/24/2010 2:43:15 PM |
| bid-czar8 | $25.00 | $25.00 | 9/24/2010 2:37:33 PM |
| penny-plato | $25.00 | $25.00 | 9/24/2010 3:13:45 PM |
| haplender | $50.00 | $50.00 | 9/24/2010 3:19:24 PM |
| studious-principal5 | $25.00 | $25.00 | 9/24/2010 3:20:44 PM |
| Lam0nt | $25.00 | $25.00 | 9/24/2010 3:02:13 PM |
| WorldlyWorker | $25.00 | $25.00 | 9/24/2010 3:19:02 PM |
| treasure-network | $25.00 | $25.00 | 9/24/2010 3:19:09 PM |
| comicdoc | $25.00 | $25.00 | 9/24/2010 3:19:55 PM |
| djsvin1 | $50.00 | $50.00 | 9/24/2010 3:20:42 PM |
| soulful-truth | $144.05 | $144.05 | 9/24/2010 3:02:19 PM |
| selfmademan | $25.00 | $25.00 | 9/24/2010 3:22:49 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/24/2010 3:29:09 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/24/2010 3:30:01 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/24/2010 3:29:29 PM |
| cashhelp | $25.00 | $25.00 | 9/24/2010 3:43:43 PM |
| nickel-demon2 | $100.00 | $100.00 | 9/26/2010 9:32:56 AM |
| periko | $50.00 | $50.00 | 9/26/2010 10:53:38 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
475393
This series of Notes was issued and sold upon the funding of the borrower loan #44593, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% |
Auction start date:
| Sep-13-2010 |
| |
Auction end date:
| Sep-20-2010 |
|
|
Starting lender yield:
| 22.65% |
Starting borrower rate/APR:
| 23.65% / 27.12% |
Starting monthly payment:
| $292.87 |
|
Final lender yield:
| 22.60% |
Final borrower rate/APR:
| 23.60% / 27.07% |
Final monthly payment:
| $292.67 |
| |
|
Auction yield range:
| 7.79% - 22.65% |
Estimated loss impact:
| 9.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.37% | | |
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:
| Oct-1982 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 780-799 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 16y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,302 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Piddig |
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
Pay off loans
Purpose of loan:
This loan will be used to consolidate smaller loans
My financial situation:
I am a good candidate for this loan because I am hard working, responsible and honest
Monthly net income: $ 8,000.00
Monthly expenses: $
??Housing: $ 3200.00
??Insurance: $?200.00
??Car expenses: $ 300.00
??Utilities: $?250.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 2,000.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hi,
How do you build up your revolving credit balances?
Are you working w/a hospital or a clinic?
When will you retire?
Are you the only wage earner in your household?
Thanks, - p2ploan-sensation211
A:
I work in a hospital full time and in a clinic part time taking care of cancer patients. Eligible to retire in 4 years. We have a daughter in college that we are helping, Spouse unemployed for a year but just started a new job.
(Sep-13-2010)
Q:
Per your monthly income/expenses, should not you pay back your debts easily?
Thanks, - p2ploan-sensation211
A:
yes but there was unemplyment in my household for a while.
(Sep-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| impressive-loan | $500.00 | $500.00 | 9/13/2010 9:42:41 AM |
| Jester8967 | $50.00 | $50.00 | 9/13/2010 9:42:55 AM |
| VAGweilo | $50.00 | $50.00 | 9/13/2010 9:44:17 AM |
| eyal0 | $50.00 | $50.00 | 9/13/2010 9:42:36 AM |
| B-rad_the_Coug | $25.00 | $25.00 | 9/13/2010 9:48:04 AM |
| 350DGRZ | $25.00 | $25.00 | 9/13/2010 9:42:34 AM |
| ptjg | $25.00 | $25.00 | 9/13/2010 9:42:52 AM |
| propertytransformer | $30.00 | $30.00 | 9/13/2010 9:43:44 AM |
| extraordinary-interest1 | $50.00 | $50.00 | 9/13/2010 9:56:34 AM |
| thrifty-capital | $25.00 | $25.00 | 9/13/2010 10:00:32 AM |
| mercuriant | $25.00 | $25.00 | 9/13/2010 10:00:58 AM |
| lovely-leverage | $35.00 | $35.00 | 9/13/2010 1:45:12 PM |
| dt_one | $25.00 | $25.00 | 9/13/2010 7:33:19 PM |
| bxdoc | $32.14 | $32.14 | 9/14/2010 1:07:25 AM |
| spy0 | $25.00 | $25.00 | 9/14/2010 7:43:15 AM |
| economy-popcorn | $25.00 | $25.00 | 9/14/2010 9:36:32 AM |
| penny-plato | $75.00 | $75.00 | 9/14/2010 2:50:56 PM |
| newton77 | $25.00 | $25.00 | 9/14/2010 3:43:07 PM |
| IeatatWendys | $25.00 | $25.00 | 9/14/2010 3:43:50 PM |
| DRA-Properties | $25.00 | $25.00 | 9/14/2010 6:01:37 PM |
| GeorgiaGator | $25.00 | $25.00 | 9/14/2010 5:22:56 PM |
| Bank_Of_XL | $100.00 | $100.00 | 9/14/2010 9:43:10 PM |
| Sol_Invictus | $25.00 | $25.00 | 9/15/2010 5:46:28 AM |
| ttnk62918 | $25.00 | $25.00 | 9/14/2010 11:38:47 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/15/2010 12:55:22 PM |
| 1-HARD-HEAD | $25.00 | $25.00 | 9/15/2010 1:00:01 PM |
| loanman2007 | $100.00 | $100.00 | 9/15/2010 1:34:08 PM |
| AKK1980 | $62.41 | $62.41 | 9/15/2010 3:17:58 PM |
| hope-hickory | $25.00 | $25.00 | 9/15/2010 3:22:03 PM |
| CymruAmByth | $25.00 | $25.00 | 9/15/2010 3:29:37 PM |
| hglrfdom | $25.00 | $25.00 | 9/15/2010 3:31:14 PM |
| cashhelp | $25.00 | $25.00 | 9/15/2010 3:37:40 PM |
| Badsland | $50.00 | $50.00 | 9/15/2010 7:03:24 PM |
| Megaton | $25.00 | $25.00 | 9/15/2010 7:16:23 PM |
| integrity-doctor | $100.00 | $100.00 | 9/15/2010 7:52:37 PM |
| CornerKetch | $25.00 | $25.00 | 9/16/2010 10:33:22 AM |
| mammalian4 | $25.00 | $25.00 | 9/16/2010 10:37:36 AM |
| jlendog | $59.00 | $59.00 | 9/16/2010 11:29:24 AM |
| p2p-eagle9 | $25.00 | $25.00 | 9/16/2010 1:13:31 PM |
| LibbyZ | $25.94 | $25.94 | 9/16/2010 12:52:18 PM |
| rockhound84 | $25.00 | $25.00 | 9/16/2010 2:11:33 PM |
| dynrep | $25.00 | $25.00 | 9/16/2010 4:42:26 PM |
| frogperson | $200.00 | $144.17 | 9/17/2010 8:47:09 AM |
| encore739 | $25.00 | $25.00 | 9/17/2010 9:20:45 AM |
| minnesotafinancial | $25.00 | $25.00 | 9/17/2010 1:31:07 PM |
| TicTac | $25.00 | $25.00 | 9/17/2010 12:04:01 PM |
| roi-advantage | $25.00 | $25.00 | 9/17/2010 2:32:49 PM |
| loss-of-control | $100.00 | $100.00 | 9/17/2010 5:52:41 PM |
| spiff666 | $25.00 | $25.00 | 9/17/2010 9:05:09 PM |
| credit-missile | $25.00 | $25.00 | 9/17/2010 11:14:40 PM |
| capital-baron507 | $150.00 | $150.00 | 9/17/2010 8:53:56 PM |
| magnificent-asset3 | $25.00 | $25.00 | 9/18/2010 1:50:30 AM |
| kendigme | $32.67 | $32.67 | 9/18/2010 5:16:24 AM |
| fund-medalist171 | $25.00 | $25.00 | 9/18/2010 6:29:25 AM |
| loan-fate | $48.68 | $48.68 | 9/18/2010 9:38:30 AM |
| chicagoprosper | $25.00 | $25.00 | 9/18/2010 12:37:31 PM |
| kingtut999 | $25.00 | $25.00 | 9/18/2010 12:19:23 PM |
| SkyLoan | $25.00 | $25.00 | 9/18/2010 12:34:22 PM |
| guardian3 | $25.00 | $25.00 | 9/18/2010 9:50:57 AM |
| FoosMaster | $40.00 | $40.00 | 9/18/2010 10:55:24 AM |
| harddollars | $25.00 | $25.00 | 9/18/2010 12:39:28 PM |
| vanman58 | $75.00 | $75.00 | 9/18/2010 8:04:44 PM |
| jcw3rd | $25.00 | $25.00 | 9/18/2010 11:54:54 PM |
| bjr01 | $25.00 | $25.00 | 9/18/2010 10:05:24 PM |
| bronzmajom | $25.00 | $25.00 | 9/19/2010 7:36:12 AM |
| worthy-bid4 | $25.00 | $25.00 | 9/18/2010 5:46:53 PM |
| True-Patriot | $25.00 | $25.00 | 9/19/2010 10:29:59 AM |
| shrewd-income | $100.00 | $100.00 | 9/19/2010 10:02:39 AM |
| d_grbg | $25.00 | $25.00 | 9/19/2010 5:27:20 AM |
| omegamon1 | $40.00 | $40.00 | 9/19/2010 7:37:30 AM |
| well-rounded-dinero | $100.00 | $100.00 | 9/19/2010 3:26:55 PM |
| Leshan | $25.00 | $25.00 | 9/19/2010 7:09:26 PM |
| corporatejim | $31.24 | $31.24 | 9/19/2010 7:08:27 PM |
| neorunner | $25.00 | $25.00 | 9/19/2010 8:10:21 PM |
| malomar66 | $57.36 | $57.36 | 9/19/2010 8:40:37 PM |
| lender-1 | $30.00 | $30.00 | 9/19/2010 9:01:44 PM |
| LoanerPrincipal | $50.00 | $50.00 | 9/19/2010 8:26:20 PM |
| wonder3 | $25.00 | $25.00 | 9/20/2010 6:17:54 AM |
| JCM_MN | $36.00 | $36.00 | 9/20/2010 4:45:43 AM |
| kendigme | $25.00 | $25.00 | 9/20/2010 4:40:22 AM |
| grnii78 | $93.33 | $93.33 | 9/20/2010 8:00:48 AM |
| Moneypenny6 | $25.00 | $25.00 | 9/20/2010 7:35:06 AM |
| scientists | $25.00 | $25.00 | 9/20/2010 8:28:47 AM |
| favorite-commerce | $25.00 | $25.00 | 9/20/2010 7:59:56 AM |
| Bob450 | $25.00 | $25.00 | 9/20/2010 7:58:58 AM |
| wlm3012 | $25.00 | $25.00 | 9/20/2010 8:04:52 AM |
| Skeptical-one | $25.00 | $25.00 | 9/20/2010 8:39:08 AM |
| top-courteous-peso | $50.00 | $50.00 | 9/13/2010 9:43:02 AM |
| inforapenny | $50.00 | $50.00 | 9/13/2010 10:07:56 AM |
| money-bauble | $89.85 | $89.85 | 9/13/2010 10:17:21 AM |
| Pickmar | $25.00 | $25.00 | 9/13/2010 12:35:34 PM |
| Myrick | $25.00 | $25.00 | 9/13/2010 5:04:56 PM |
| Trakissta | $150.00 | $150.00 | 9/13/2010 8:01:12 PM |
| sugybutt | $35.00 | $35.00 | 9/14/2010 9:52:07 AM |
| Whipster | $75.00 | $75.00 | 9/14/2010 2:22:37 PM |
| bold-principal-thinker | $25.00 | $25.00 | 9/14/2010 3:04:37 PM |
| wildanne | $50.00 | $50.00 | 9/14/2010 5:48:42 PM |
| gjm6d | $25.00 | $25.00 | 9/14/2010 6:57:02 PM |
| fund-fox4 | $40.00 | $40.00 | 9/14/2010 6:03:16 PM |
| 850 | $50.00 | $50.00 | 9/14/2010 9:59:54 PM |
| lendstats_com | $100.00 | $100.00 | 9/14/2010 7:23:20 PM |
| power-secret-agent | $25.00 | $25.00 | 9/15/2010 4:27:54 AM |
| Ven58 | $25.00 | $25.00 | 9/15/2010 4:08:08 AM |
| power-secret-agent | $25.00 | $25.00 | 9/15/2010 4:27:21 AM |
| patriot384 | $200.00 | $200.00 | 9/15/2010 7:01:40 AM |
| JustMee | $25.00 | $25.00 | 9/15/2010 11:02:16 AM |
| chkrvrty | $25.00 | $25.00 | 9/15/2010 3:24:34 PM |
| TaoPooh | $25.00 | $25.00 | 9/15/2010 3:21:53 PM |
| RadCad1 | $50.00 | $50.00 | 9/15/2010 3:49:04 PM |
| elegant-loot | $25.00 | $25.00 | 9/15/2010 5:44:22 PM |
| maximizer | $25.00 | $25.00 | 9/15/2010 8:01:11 PM |
| scoobiedoo | $25.00 | $25.00 | 9/16/2010 8:28:23 AM |
| compassionate-gain9 | $100.00 | $100.00 | 9/16/2010 10:33:18 AM |
| turbostar666 | $25.00 | $25.00 | 9/16/2010 10:37:37 AM |
| wwwUniversal | $25.00 | $25.00 | 9/16/2010 10:33:34 AM |
| 3613925 | $25.00 | $25.00 | 9/16/2010 12:19:51 PM |
| durability-halibut | $25.00 | $25.00 | 9/16/2010 1:05:37 PM |
| BrighterSuns | $25.00 | $25.00 | 9/16/2010 3:54:31 PM |
| krink1 | $59.18 | $59.18 | 9/16/2010 4:07:54 PM |
| trumpeter5 | $25.00 | $25.00 | 9/16/2010 4:32:55 PM |
| Bob450 | $30.00 | $30.00 | 9/16/2010 9:58:22 PM |
| troile | $25.00 | $25.00 | 9/17/2010 5:09:16 AM |
| bold-investment-glider | $37.00 | $37.00 | 9/17/2010 5:46:20 AM |
| paradisenow | $25.00 | $25.00 | 9/17/2010 7:27:25 AM |
| FinanceEngine | $25.00 | $25.00 | 9/17/2010 8:16:04 AM |
| rakem777 | $25.00 | $25.00 | 9/17/2010 9:03:12 AM |
| rebeldog67 | $50.00 | $50.00 | 9/17/2010 9:53:36 AM |
| SomebodysMom | $25.00 | $25.00 | 9/17/2010 12:05:54 PM |
| gilbrear | $25.00 | $25.00 | 9/17/2010 4:42:40 PM |
| gilbrear | $25.00 | $25.00 | 9/17/2010 4:44:32 PM |
| loss-of-control | $100.00 | $100.00 | 9/17/2010 5:52:09 PM |
| MattProsper | $50.00 | $50.00 | 9/17/2010 6:10:33 PM |
| credit-missile | $25.00 | $25.00 | 9/17/2010 11:18:35 PM |
| prohelper | $37.66 | $37.66 | 9/18/2010 12:09:58 AM |
| silverloan | $31.37 | $31.37 | 9/18/2010 12:00:48 AM |
| vivacious-p2p3 | $25.00 | $25.00 | 9/18/2010 7:29:13 AM |
| x01440 | $51.00 | $51.00 | 9/18/2010 8:32:44 AM |
| best-listing-toro | $25.00 | $25.00 | 9/18/2010 8:39:01 AM |
| TakeCare | $30.00 | $30.00 | 9/18/2010 6:36:45 AM |
| principal-star | $25.00 | $25.00 | 9/18/2010 11:35:49 AM |
| Gobsek | $25.00 | $25.00 | 9/18/2010 9:26:26 AM |
| Earn_money | $26.00 | $26.00 | 9/18/2010 2:32:10 PM |
| amra | $25.00 | $25.00 | 9/18/2010 12:15:02 PM |
| juxtapose | $25.00 | $25.00 | 9/18/2010 6:43:03 PM |
| gold-channel2 | $50.00 | $50.00 | 9/19/2010 9:05:02 AM |
| bughead | $25.00 | $25.00 | 9/19/2010 9:10:49 AM |
| SFBank | $300.00 | $300.00 | 9/19/2010 3:16:50 PM |
| tedi-tif | $75.00 | $75.00 | 9/19/2010 2:04:12 PM |
| ConcreteOne | $25.00 | $25.00 | 9/19/2010 4:46:31 PM |
| credit-missile | $25.00 | $25.00 | 9/19/2010 4:51:01 PM |
| credit-missile | $25.00 | $25.00 | 9/19/2010 4:51:20 PM |
| credit-missile | $25.00 | $25.00 | 9/19/2010 4:50:46 PM |
| new-peso-concerto | $50.00 | $50.00 | 9/19/2010 5:09:44 PM |
| encore02 | $75.00 | $75.00 | 9/19/2010 6:39:33 PM |
| starry2001 | $25.00 | $25.00 | 9/20/2010 2:54:23 AM |
| noodles932 | $100.00 | $100.00 | 9/19/2010 8:56:56 PM |
| Hatdance | $25.00 | $25.00 | 9/20/2010 4:52:13 AM |
| rate-hickory | $25.00 | $25.00 | 9/20/2010 7:39:17 AM |
| Pu239 | $60.00 | $60.00 | 9/20/2010 7:19:22 AM |
| liquidhorse | $25.00 | $25.00 | 9/20/2010 8:29:44 AM |
| CashBank | $25.00 | $25.00 | 9/20/2010 9:14:22 AM |
| exciting-fairness | $200.00 | $200.00 | 9/20/2010 9:29:00 AM |
| radiant-return | $50.00 | $50.00 | 9/20/2010 8:54:14 AM |
| credit-missile | $25.00 | $25.00 | 9/20/2010 9:18:15 AM |
| 164 bids
|
Borrower Payment Dependent Notes Series
475461
This series of Notes was issued and sold upon the funding of the borrower loan #44585, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-20-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $115.06 |
|
Final lender yield:
| 24.00% |
Final borrower rate/APR:
| 25.00% / 28.50% |
Final monthly payment:
| $111.33 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.39% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.61% | | |
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:
| Jan-1985 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
0 | Length of status: | 7y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| loyalty-encore |
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
My loan is for automobile repairs
Purpose of loan:
This loan will be used to pay for automobile repairs and dental expenses.? My car needs to have work done which I keep putting off.? I use my car for a 35 mile commute to work.? My car is paid off but is ten years old. Fortunately I only have 70,000 miles on it.? In addition, I need to replace two front teeth that cracked with crowns.?
My financial situation:
I am a good candidate for this loan because I have been employed at the same company for over seven years.? I currently work for a large cable company.? Before that I worked for a small consulting company for eight years.? My paycheck is directly deposited into my bank account every two weeks.
Monthly net income: $ 2400
Monthly expenses: $ 1629
??Housing: $ 863
??Insurance: $ 107?
??Car expenses: $?180
??Utilities: $ 15?
??Phone, cable, internet: $ 24
??Food, entertainment: $?260
??Clothing, household expenses $?80
??Credit cards and other loans: $? 100
??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) |
|
| tech310 | $50.00 | $50.00 | 9/20/2010 2:56:00 PM |
| mercuriant | $25.00 | $25.00 | 9/21/2010 9:48:21 AM |
| DHolly | $25.00 | $25.00 | 9/22/2010 12:12:33 PM |
| aztocas | $25.00 | $25.00 | 9/23/2010 4:32:32 PM |
| duty-monger | $50.00 | $50.00 | 9/23/2010 7:30:53 PM |
| Nickds | $50.00 | $50.00 | 9/24/2010 5:28:15 AM |
| economy-popcorn | $25.00 | $25.00 | 9/24/2010 6:32:33 AM |
| FriendInSeattle | $100.00 | $100.00 | 9/24/2010 8:12:32 AM |
| jimartin1 | $27.78 | $27.78 | 9/24/2010 4:34:29 PM |
| Gopher09 | $26.09 | $26.09 | 9/24/2010 7:28:49 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 9/24/2010 8:02:31 PM |
| EliteCapital | $37.03 | $37.03 | 9/25/2010 11:24:33 AM |
| marwadi-62 | $100.00 | $100.00 | 9/25/2010 12:31:28 PM |
| TakeCare | $50.00 | $50.00 | 9/25/2010 2:32:55 PM |
| draggon77 | $25.00 | $25.00 | 9/25/2010 7:01:27 PM |
| Mindful7 | $25.00 | $25.00 | 9/26/2010 7:49:13 AM |
| ralf206 | $25.00 | $25.00 | 9/26/2010 4:24:15 PM |
| G-Love | $300.00 | $300.00 | 9/26/2010 6:10:36 PM |
| LendToCause | $25.00 | $25.00 | 9/26/2010 6:52:49 PM |
| Myrick | $25.00 | $25.00 | 9/26/2010 7:32:31 PM |
| capital-kingdom | $50.00 | $50.00 | 9/27/2010 6:03:49 AM |
| Joshua_E | $25.00 | $25.00 | 9/27/2010 8:09:17 AM |
| wild-orange | $25.00 | $25.00 | 9/27/2010 8:49:10 AM |
| micsupra | $50.00 | $50.00 | 9/27/2010 8:17:10 AM |
| Leshan | $33.33 | $33.33 | 9/27/2010 8:23:13 AM |
| wealth-pipeline | $25.00 | $25.00 | 9/27/2010 7:21:11 AM |
| jybank | $25.00 | $25.00 | 9/27/2010 9:13:24 AM |
| clean-fund | $25.00 | $25.00 | 9/27/2010 10:25:01 AM |
| reflective-rupee | $280.00 | $168.07 | 9/27/2010 12:00:15 PM |
| Trentsteel_98 | $25.00 | $25.00 | 9/27/2010 12:33:00 PM |
| leverage-monger | $25.00 | $25.00 | 9/27/2010 1:37:23 PM |
| toomanyfishtanks | $25.00 | $25.00 | 9/27/2010 1:24:36 PM |
| transaction-circuit | $50.00 | $50.00 | 9/20/2010 2:40:37 PM |
| EngineersAlliance | $100.00 | $100.00 | 9/23/2010 12:58:49 PM |
| neorunner | $25.00 | $25.00 | 9/23/2010 6:43:34 PM |
| Kyileo | $25.00 | $25.00 | 9/23/2010 7:11:38 PM |
| kf88 | $25.00 | $25.00 | 9/23/2010 5:53:11 PM |
| gjm6d | $25.00 | $25.00 | 9/23/2010 8:39:57 PM |
| loan-fate | $34.19 | $34.19 | 9/24/2010 2:16:11 AM |
| contract-high-five | $50.00 | $50.00 | 9/24/2010 8:12:10 AM |
| interstellar | $50.00 | $50.00 | 9/24/2010 9:45:25 AM |
| bold-attentive-listing | $25.00 | $25.00 | 9/24/2010 1:47:59 PM |
| lawyervon | $25.00 | $25.00 | 9/24/2010 2:59:46 PM |
| eloquent-bill6 | $25.00 | $25.00 | 9/24/2010 4:17:13 PM |
| mckhbnpc | $35.00 | $35.00 | 9/24/2010 8:36:17 PM |
| boo_hoo | $50.00 | $50.00 | 9/25/2010 12:19:17 PM |
| RogueOne | $57.89 | $57.89 | 9/25/2010 4:10:41 PM |
| FinanceEngine | $30.00 | $30.00 | 9/25/2010 9:21:06 PM |
| onecooldrink | $25.00 | $25.00 | 9/26/2010 8:32:45 AM |
| worthy-bid4 | $25.00 | $25.00 | 9/26/2010 7:49:47 AM |
| Pu239 | $60.00 | $60.00 | 9/27/2010 8:42:19 AM |
| kri8iv | $100.00 | $100.00 | 9/27/2010 8:49:49 AM |
| shrewd-income | $50.00 | $50.00 | 9/27/2010 6:36:44 AM |
| fireferd | $40.00 | $40.00 | 9/27/2010 9:05:31 AM |
| johnk317 | $25.00 | $25.00 | 9/27/2010 8:59:41 AM |
| rockstar73 | $25.00 | $25.00 | 9/27/2010 12:32:52 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/27/2010 12:43:58 PM |
| Bob450 | $25.00 | $25.00 | 9/27/2010 12:48:33 PM |
| attractive-fund | $44.61 | $44.61 | 9/27/2010 12:33:24 PM |
| social-zebra | $27.00 | $27.00 | 9/27/2010 12:46:32 PM |
| balanced-balance6 | $25.00 | $25.00 | 9/27/2010 2:01:54 PM |
| DasMula | $25.00 | $25.00 | 9/27/2010 2:19:30 PM |
| revenue-appraiser | $29.00 | $29.00 | 9/27/2010 1:58:32 PM |
| Nerdster1 | $25.01 | $25.01 | 9/27/2010 2:18:29 PM |
| dough-hammock | $25.00 | $25.00 | 9/27/2010 2:30:29 PM |
| 65 bids
|
Borrower Payment Dependent Notes Series
476017
This series of Notes was issued and sold upon the funding of the borrower loan #44573, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Sep-17-2010 |
| |
Auction end date:
| Sep-24-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $224.34 |
|
Final lender yield:
| 31.00% |
Final borrower rate/APR:
| 32.00% / 35.65% |
Final monthly payment:
| $217.77 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.38% | | |
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-2000 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 10y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,926 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| joyful-bid |
Borrower's state:
| Louisiana |
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 car and credit cards
Purpose of loan:
This loan will be used to pay off the remaining balance of my car ($2,400.00) and to pay down credit card bill.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time. I am?in the military, so I have job security to pay off my financial obligations.?I was in a car accident a few months ago and totalled my Yukon. My insurance company has finally paid off my loan with AlaskaUSA. That loan will probably still show up on my credit report, but it has been paid in full.
Monthly net income: $ 4,000.00
Monthly expenses: $ 2,416.00
??Housing: $ 1,000.00
??Insurance: $?0
??Car expenses: $ 912.00 (Two vehicles - I plan to pay off the one?vehicle with the loan making my payment $525.00)
??Phone, cable, internet: $ 54.00
??Credit cards and other loans: $ 450.00 (Loan and Military Credit Card)
These are all the bills?that I pay?on time?every month.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is your pay grade, duty station, and enlistment up? - RecoveryLender
A:
I am an E-6 stationed at Fort Polk, LA. I have been in the Army almost 11 years now and I plan to re-enlist next year. I am making the military my career.
(Sep-24-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| productive-ore | $50.00 | $50.00 | 9/18/2010 10:11:36 PM |
| houli123 | $100.00 | $100.00 | 9/22/2010 7:50:56 PM |
| economy-popcorn | $25.00 | $25.00 | 9/23/2010 6:27:30 AM |
| bankbuddy55 | $30.00 | $30.00 | 9/23/2010 9:18:37 AM |
| ethicalhumanist | $25.00 | $25.00 | 9/23/2010 2:24:40 PM |
| 340 | $31.04 | $31.04 | 9/23/2010 4:22:49 PM |
| realtormoises | $25.00 | $25.00 | 9/24/2010 5:22:03 AM |
| capital-kingdom | $25.00 | $25.00 | 9/24/2010 5:41:34 AM |
| Military-2-Military | $1,000.00 | $1,000.00 | 9/24/2010 5:50:46 AM |
| superb-kindness2 | $35.00 | $35.00 | 9/24/2010 6:23:34 AM |
| TakeCare | $50.00 | $50.00 | 9/24/2010 9:23:29 AM |
| rkt88edmo | $25.29 | $25.29 | 9/24/2010 9:45:46 AM |
| 168RichCapital | $25.00 | $25.00 | 9/24/2010 10:19:04 AM |
| credit-missile | $25.00 | $25.00 | 9/24/2010 10:23:38 AM |
| mcgovern2024 | $50.00 | $50.00 | 9/24/2010 9:37:59 AM |
| credit-missile | $25.00 | $25.00 | 9/24/2010 10:24:03 AM |
| social-zebra | $26.00 | $26.00 | 9/24/2010 12:18:28 PM |
| jerrymaguire | $25.00 | $25.00 | 9/24/2010 1:11:25 PM |
| Clicktogetmoney | $30.00 | $30.00 | 9/24/2010 1:27:39 PM |
| dajen1 | $50.00 | $50.00 | 9/24/2010 2:11:16 PM |
| wlm3012 | $25.00 | $25.00 | 9/24/2010 2:28:49 PM |
| Starfin-Capital-Management | $94.04 | $20.96 | 9/24/2010 1:53:34 PM |
| discrete-nickel | $100.00 | $100.00 | 9/24/2010 2:55:05 PM |
| jakdwak | $25.00 | $25.00 | 9/24/2010 2:56:37 PM |
| order-bee1 | $300.00 | $300.00 | 9/24/2010 2:49:50 PM |
| Amber_Stone | $25.00 | $25.00 | 9/17/2010 3:33:24 PM |
| Kash2010lu | $35.00 | $35.00 | 9/18/2010 1:55:40 PM |
| Whipster | $50.00 | $50.00 | 9/18/2010 8:00:21 PM |
| nodebt2012 | $25.00 | $25.00 | 9/19/2010 7:58:55 AM |
| Sudoku | $50.00 | $50.00 | 9/20/2010 12:55:25 AM |
| Madmigel | $30.00 | $30.00 | 9/20/2010 2:13:01 PM |
| lendstats_com | $300.00 | $300.00 | 9/20/2010 1:26:13 PM |
| sentimental-commerce1 | $75.00 | $75.00 | 9/21/2010 5:16:00 PM |
| Gbrad88 | $100.00 | $100.00 | 9/21/2010 5:16:49 PM |
| bmw2 | $61.00 | $61.00 | 9/22/2010 8:29:13 AM |
| Bob450 | $25.00 | $25.00 | 9/22/2010 8:35:05 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 9/23/2010 8:09:11 AM |
| whatreality | $25.00 | $25.00 | 9/23/2010 8:43:59 AM |
| sturdy-peace9 | $65.00 | $65.00 | 9/23/2010 7:26:59 PM |
| new-peso-concerto | $100.00 | $100.00 | 9/23/2010 7:31:17 PM |
| jasonrun | $25.00 | $25.00 | 9/23/2010 8:29:27 PM |
| goldenhamster | $50.00 | $50.00 | 9/23/2010 7:29:55 PM |
| periko | $42.00 | $42.00 | 9/23/2010 9:50:45 PM |
| fervent-power | $26.00 | $26.00 | 9/23/2010 9:55:12 PM |
| 1313mark1313 | $25.00 | $25.00 | 9/24/2010 1:02:59 AM |
| Core-Marketing | $50.00 | $50.00 | 9/24/2010 6:16:43 AM |
| bsmtloan | $74.67 | $74.67 | 9/24/2010 7:37:08 AM |
| Military-2-Military | $1,000.00 | $1,000.00 | 9/24/2010 8:39:25 AM |
| Kash2010lu | $35.00 | $35.00 | 9/24/2010 10:15:57 AM |
| penny-plato | $25.00 | $25.00 | 9/24/2010 10:54:58 AM |
| Sudoku | $158.04 | $158.04 | 9/24/2010 11:51:23 AM |
| systematic-fairness1 | $25.00 | $25.00 | 9/24/2010 10:15:56 AM |
| Kash2010lu | $25.00 | $25.00 | 9/24/2010 11:21:48 AM |
| gothampark | $25.00 | $25.00 | 9/24/2010 1:24:30 PM |
| Starfin-Capital-Management | $200.00 | $200.00 | 9/24/2010 1:51:41 PM |
| aquistoyraul | $25.00 | $25.00 | 9/24/2010 2:54:57 PM |
| moola-monger9 | $50.00 | $50.00 | 9/24/2010 2:56:20 PM |
| 57 bids
|
Borrower Payment Dependent Notes Series
476039
This series of Notes was issued and sold upon the funding of the borrower loan #44591, 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:
| Sep-17-2010 |
| |
Auction end date:
| Sep-23-2010 |
|
|
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:
| 5.79% - 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-1999 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 9y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,860 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 38% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| interest-ranch |
Borrower's state:
| Massachusetts |
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
debt consolidation for my newborn!
Purpose of loan:
To consolidate my personal bills due to the fact I have a new baby girl on the way and I wanna be able to give her all the things I never had
My financial situation:
Good standings just want to put everything together as one bill
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $200?
??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:
Hi! good luck with the loan and baby on the way.
I noticed you don't have any housing/utility / cable/internet/phone expenses. Can you explain? thanks! - lasalsa03
A:
I live/take care of my father who is retired and suffers from liver failure. He worked for the railroad for 35yrs so his retrement is very nice! He covers tge mortage and house hold bills
(Sep-21-2010)
Q:
Hello again, what items will you be paying off with this loan? please give balances/min payment / interest rate.
thanks, good luck! - lasalsa03
A:
The loan will pay off my bank of america credit card wich is roughly $4,800 my chase credit card which is $2,200 and my hsbc credit card and it has roughly $850 and all my cards have between 18-21% making them very difficult to pay off even the minimum payments. This loan ill make life much easier esp with a new baby I need every penny for diapers so I'm told! Thanks for you support
(Sep-21-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Weaverville | $25.00 | $25.00 | 9/17/2010 2:58:49 PM |
| pfh | $25.00 | $25.00 | 9/17/2010 3:03:28 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/17/2010 3:03:31 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/17/2010 3:03:13 PM |
| jigsaw | $100.00 | $100.00 | 9/17/2010 3:03:16 PM |
| bid-czar8 | $100.00 | $100.00 | 9/17/2010 3:04:01 PM |
| kegs | $104.86 | $104.86 | 9/17/2010 3:04:25 PM |
| marketplace-cello5 | $50.00 | $50.00 | 9/17/2010 3:03:44 PM |
| schpere | $75.00 | $75.00 | 9/17/2010 2:59:36 PM |
| money-bauble | $50.00 | $50.00 | 9/17/2010 3:05:38 PM |
| ichibon | $150.00 | $150.00 | 9/17/2010 3:05:51 PM |
| mtquan | $25.00 | $25.00 | 9/17/2010 3:05:00 PM |
| credit-scout7 | $50.00 | $50.00 | 9/17/2010 3:06:05 PM |
| tsg2007 | $25.00 | $25.00 | 9/17/2010 3:14:14 PM |
| handshake5 | $25.00 | $25.00 | 9/17/2010 3:02:52 PM |
| rescue | $50.00 | $50.00 | 9/17/2010 4:38:45 PM |
| IeatatWendys | $25.00 | $25.00 | 9/17/2010 6:38:53 PM |
| Mav26 | $25.00 | $25.00 | 9/17/2010 6:45:46 PM |
| Artist_Blue | $25.00 | $25.00 | 9/17/2010 11:42:35 PM |
| 108lender | $25.00 | $25.00 | 9/17/2010 9:08:42 PM |
| Cheburashka | $25.00 | $25.00 | 9/17/2010 11:51:54 PM |
| a-finance-nirvana | $25.00 | $25.00 | 9/18/2010 12:51:42 AM |
| tranquil-return4 | $25.00 | $25.00 | 9/18/2010 5:09:25 AM |
| worthy-bid8 | $100.00 | $100.00 | 9/18/2010 8:18:27 AM |
| patriot897 | $50.00 | $50.00 | 9/18/2010 8:19:25 AM |
| simplelender80 | $250.00 | $250.00 | 9/18/2010 10:38:13 AM |
| yukongin | $71.04 | $71.04 | 9/18/2010 1:23:25 PM |
| thomkozik | $25.00 | $25.00 | 9/18/2010 2:29:05 PM |
| inspired-agreement | $50.00 | $50.00 | 9/18/2010 5:33:52 PM |
| bountiful-durability | $100.00 | $100.00 | 9/19/2010 5:49:11 PM |
| AF-Chief | $25.00 | $25.00 | 9/19/2010 7:19:49 PM |
| Tradesmanlender | $25.00 | $25.00 | 9/20/2010 9:49:42 AM |
| pnace | $50.00 | $50.00 | 9/20/2010 9:50:01 AM |
| radforj22 | $25.00 | $25.00 | 9/20/2010 10:20:57 AM |
| worldly-community3 | $50.00 | $50.00 | 9/20/2010 10:20:56 AM |
| shrewd-peace7 | $40.00 | $40.00 | 9/20/2010 10:22:45 AM |
| Randini | $50.00 | $50.00 | 9/20/2010 10:24:18 AM |
| ideal-platinum1 | $50.00 | $50.00 | 9/20/2010 10:26:45 AM |
| sound | $50.00 | $50.00 | 9/20/2010 10:24:27 AM |
| on_your_side | $25.00 | $25.00 | 9/20/2010 10:26:42 AM |
| the-profit-oracle | $25.00 | $25.00 | 9/20/2010 10:40:08 AM |
| objective-investor | $100.00 | $100.00 | 9/20/2010 10:40:14 AM |
| lloyd_s | $25.00 | $25.00 | 9/20/2010 10:51:43 AM |
| BeanCownter | $50.00 | $50.00 | 9/20/2010 10:39:33 AM |
| credit-panda1 | $25.00 | $25.00 | 9/20/2010 10:51:08 AM |
| inspiring-reward | $32.10 | $32.10 | 9/20/2010 1:35:12 PM |
| ferocious-finance | $25.00 | $25.00 | 9/20/2010 3:28:12 PM |
| efficient-treasure0 | $25.00 | $25.00 | 9/20/2010 6:59:59 PM |
| 6moonbeams | $100.00 | $100.00 | 9/20/2010 6:53:12 PM |
| agiovasil | $25.00 | $25.00 | 9/20/2010 9:35:04 PM |
| williemc44 | $50.00 | $50.00 | 9/21/2010 9:33:41 AM |
| shmb6508 | $100.00 | $100.00 | 9/21/2010 11:08:34 AM |
| integrity-doctor | $100.00 | $100.00 | 9/21/2010 2:15:30 PM |
| doncm | $50.00 | $50.00 | 9/21/2010 1:18:31 PM |
| rdrloan | $50.00 | $50.00 | 9/21/2010 3:05:43 PM |
| return-percolator8 | $50.00 | $50.00 | 9/21/2010 3:03:44 PM |
| irrelevant | $25.00 | $25.00 | 9/21/2010 3:35:02 PM |
| ClearCut | $50.00 | $50.00 | 9/21/2010 5:04:41 PM |
| CasaDeTomas | $100.00 | $100.00 | 9/21/2010 7:08:27 PM |
| Ven58 | $25.00 | $25.00 | 9/22/2010 12:39:57 AM |
| peb44 | $25.00 | $25.00 | 9/22/2010 1:06:22 AM |
| Tomeus | $75.00 | $75.00 | 9/22/2010 9:33:29 AM |
| oregonusa | $50.00 | $50.00 | 9/22/2010 11:32:08 AM |
| calm-deal7 | $25.00 | $25.00 | 9/22/2010 11:32:34 AM |
| grf1945 | $50.00 | $50.00 | 9/22/2010 11:45:20 AM |
| attentive-income | $50.00 | $50.00 | 9/22/2010 1:43:58 PM |
| loss-of-control | $50.00 | $50.00 | 9/22/2010 1:55:54 PM |
| teller | $50.00 | $50.00 | 9/22/2010 1:09:12 PM |
| excellent-leverage6 | $25.00 | $25.00 | 9/22/2010 2:20:19 PM |
| agalt | $100.00 | $100.00 | 9/22/2010 2:23:15 PM |
| Easystreet | $25.00 | $25.00 | 9/22/2010 3:45:32 PM |
| efficient-marketplace | $50.00 | $50.00 | 9/22/2010 3:45:21 PM |
| bxdoc | $47.46 | $47.46 | 9/22/2010 11:28:33 PM |
| bill-mushroom | $25.00 | $25.00 | 9/23/2010 2:43:27 AM |
| impartial-peace9 | $25.00 | $25.00 | 9/23/2010 7:58:16 AM |
| silver-armada | $50.00 | $50.00 | 9/23/2010 8:28:15 AM |
| frizzzzank | $50.00 | $50.00 | 9/23/2010 10:59:07 AM |
| dollardave | $100.00 | $100.00 | 9/23/2010 9:23:36 AM |
| pursuit469 | $50.00 | $50.00 | 9/23/2010 10:49:24 AM |
| favorite-commerce | $50.00 | $50.00 | 9/23/2010 1:24:36 PM |
| DRA-Properties | $25.00 | $25.00 | 9/23/2010 9:49:46 AM |
| the-bid-sorcerer | $50.00 | $50.00 | 9/23/2010 9:59:28 AM |
| jo2y | $25.00 | $2.78 | 9/23/2010 12:24:58 PM |
| dajen1 | $25.00 | $25.00 | 9/23/2010 1:13:20 PM |
| VAGweilo | $50.00 | $50.00 | 9/17/2010 2:58:52 PM |
| ray1051 | $25.00 | $25.00 | 9/17/2010 2:59:24 PM |
| jazzlender | $25.00 | $25.00 | 9/17/2010 3:02:47 PM |
| GElender | $100.00 | $100.00 | 9/17/2010 3:02:42 PM |
| peripatetic | $25.00 | $25.00 | 9/17/2010 3:03:36 PM |
| generous-deal6 | $50.00 | $50.00 | 9/17/2010 3:03:52 PM |
| larrybird | $150.00 | $150.00 | 9/17/2010 3:04:34 PM |
| Bio-physicist | $25.00 | $25.00 | 9/17/2010 3:00:17 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/17/2010 3:05:58 PM |
| first-listing-expert | $25.00 | $25.00 | 9/17/2010 3:07:23 PM |
| gold-channel2 | $50.00 | $50.00 | 9/17/2010 3:06:21 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/17/2010 3:02:37 PM |
| kmr2 | $150.00 | $150.00 | 9/17/2010 3:03:01 PM |
| soheagle | $50.00 | $50.00 | 9/17/2010 3:03:06 PM |
| papaloha | $25.00 | $25.00 | 9/17/2010 8:38:12 PM |
| mla | $25.00 | $25.00 | 9/17/2010 9:03:12 PM |
| cloud8 | $50.00 | $50.00 | 9/17/2010 9:44:32 PM |
| Sol_Invictus | $25.00 | $25.00 | 9/18/2010 6:29:42 AM |
| penny-plato | $25.00 | $25.00 | 9/18/2010 6:38:41 AM |
| danthemon35 | $25.00 | $25.00 | 9/18/2010 9:24:38 AM |
| CAGE-Investments | $25.00 | $25.00 | 9/18/2010 6:28:31 AM |
| Bank_Of_XL | $50.00 | $50.00 | 9/18/2010 6:48:28 AM |
| laudable-balance | $25.00 | $25.00 | 9/18/2010 11:08:32 AM |
| point-shooter | $25.00 | $25.00 | 9/18/2010 9:28:14 AM |
| SimpleChoice | $25.00 | $25.00 | 9/18/2010 5:21:14 PM |
| red-adaptable-funds | $50.00 | $50.00 | 9/18/2010 2:58:36 PM |
| gethsemane4 | $25.00 | $25.00 | 9/19/2010 8:43:23 AM |
| well-rounded-dinero | $75.00 | $75.00 | 9/19/2010 3:24:16 PM |
| golden-bid9 | $50.00 | $50.00 | 9/19/2010 7:29:53 PM |
| silvercertificate | $25.00 | $25.00 | 9/19/2010 8:21:43 PM |
| Clambake | $46.09 | $46.09 | 9/20/2010 9:18:45 AM |
| BaileyBrothers | $50.00 | $50.00 | 9/20/2010 9:08:35 AM |
| trustworthy-fairness | $50.00 | $50.00 | 9/20/2010 9:45:17 AM |
| Ripsaw4U | $38.67 | $38.67 | 9/20/2010 10:12:42 AM |
| helpinghand63 | $50.00 | $50.00 | 9/20/2010 10:21:02 AM |
| tech310 | $50.00 | $50.00 | 9/20/2010 10:23:37 AM |
| XopherMV | $25.00 | $25.00 | 9/20/2010 10:28:35 AM |
| wise-dedicated-power | $25.00 | $25.00 | 9/20/2010 10:35:20 AM |
| asset-professor | $50.00 | $50.00 | 9/20/2010 10:39:11 AM |
| loan-wasp | $50.00 | $50.00 | 9/20/2010 10:39:23 AM |
| helpinghand75 | $50.00 | $50.00 | 9/20/2010 10:39:19 AM |
| community-pipeline8 | $50.00 | $50.00 | 9/20/2010 10:40:51 AM |
| MissionMicroFinance | $25.00 | $25.00 | 9/20/2010 10:51:44 AM |
| balanced-bill7 | $50.00 | $50.00 | 9/20/2010 11:23:18 AM |
| Fiimg | $50.00 | $50.00 | 9/20/2010 10:39:12 AM |
| finance-prescription | $50.00 | $50.00 | 9/20/2010 12:54:44 PM |
| Ocean713 | $50.00 | $50.00 | 9/20/2010 1:13:31 PM |
| helpful-dough | $45.13 | $45.13 | 9/20/2010 12:48:13 PM |
| Comoparklender | $50.00 | $50.00 | 9/20/2010 12:48:36 PM |
| bold-careful-finance | $25.00 | $25.00 | 9/20/2010 5:49:27 PM |
| JustMee | $25.00 | $25.00 | 9/20/2010 6:27:00 PM |
| Cai8899 | $50.00 | $50.00 | 9/21/2010 5:38:37 AM |
| first-serene-credit | $30.00 | $30.00 | 9/21/2010 7:56:14 AM |
| LAKESPRING | $25.00 | $25.00 | 9/21/2010 7:38:26 AM |
| benjamins-den | $25.00 | $25.00 | 9/21/2010 9:34:23 AM |
| RMB-Investments | $50.00 | $50.00 | 9/21/2010 11:30:18 AM |
| trade-freshmaker | $50.00 | $50.00 | 9/21/2010 10:53:27 AM |
| Gabriel02 | $25.00 | $25.00 | 9/21/2010 12:04:55 PM |
| friendly-market5 | $26.87 | $26.87 | 9/21/2010 2:41:11 PM |
| engaging-worth | $25.00 | $25.00 | 9/21/2010 3:04:41 PM |
| socrates520 | $50.00 | $50.00 | 9/21/2010 3:49:38 PM |
| lending-bear | $50.00 | $50.00 | 9/21/2010 5:13:26 PM |
| LoisLoan | $25.00 | $25.00 | 9/21/2010 5:48:34 PM |
| compassionate-fairness6 | $25.00 | $25.00 | 9/21/2010 6:33:14 PM |
| StinkiePhish | $25.00 | $25.00 | 9/21/2010 6:37:52 PM |
| agaliza | $25.00 | $25.00 | 9/21/2010 9:11:57 PM |
| ommcd | $25.00 | $25.00 | 9/22/2010 1:07:32 AM |
| airrbob | $50.00 | $50.00 | 9/21/2010 10:43:38 PM |
| maldok1 | $25.00 | $25.00 | 9/22/2010 12:55:29 PM |
| jblack01 | $25.00 | $25.00 | 9/22/2010 2:35:04 PM |
| julijask | $25.00 | $25.00 | 9/22/2010 1:42:46 PM |
| hookUup | $25.00 | $25.00 | 9/22/2010 1:42:55 PM |
| the-bright-velocity | $25.00 | $25.00 | 9/22/2010 1:44:21 PM |
| Loansforlife | $25.00 | $25.00 | 9/22/2010 3:15:11 PM |
| nickel-hickory | $50.00 | $50.00 | 9/22/2010 4:52:51 PM |
| finance-magma7 | $100.00 | $100.00 | 9/22/2010 3:45:20 PM |
| IIP77 | $25.00 | $25.00 | 9/22/2010 3:46:05 PM |
| smurf163 | $25.00 | $25.00 | 9/23/2010 4:44:43 AM |
| green-capital-hornet | $25.00 | $25.00 | 9/23/2010 1:29:51 AM |
| DanLash | $50.00 | $50.00 | 9/23/2010 8:28:32 AM |
| triumph329 | $50.00 | $50.00 | 9/23/2010 7:03:19 AM |
| revenue-spa8 | $25.00 | $25.00 | 9/23/2010 9:08:21 AM |
| cxl9 | $50.00 | $50.00 | 9/23/2010 9:53:30 AM |
| wwwUniversal | $25.00 | $25.00 | 9/23/2010 10:00:18 AM |
| anders94 | $25.00 | $25.00 | 9/23/2010 9:53:21 AM |
| nickel-hickory | $50.00 | $50.00 | 9/23/2010 10:14:24 AM |
| dajen1 | $25.00 | $25.00 | 9/23/2010 1:07:30 PM |
| Cherrypicker | $40.00 | $40.00 | 9/23/2010 11:50:08 AM |
| 172 bids
|
Borrower Payment Dependent Notes Series
476157
This series of Notes was issued and sold upon the funding of the borrower loan #44586, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% |
Auction start date:
| Sep-20-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $281.10 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $281.10 |
| |
|
Auction yield range:
| 10.79% - 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):
| 7 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,056 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Selwyn |
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 / 2 |
On-time:
| 62 ( 94% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $26,000.00 | < 31 days late:
| 2
( 3% )
| 720-739
(Aug-2010)
700-719
(Apr-2008)
720-739
(May-2007)
|
|
Principal balance:
| $2,830.25 |
31+ days late:
| 2
( 3% )
|
|
Total payments billed:
| 66 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used?to consolidate debt.?
My financial situation:
I am a good candidate for this loan because?
I have a demonstrated history of paying off my loans.I only have $2842 left to pay (8 more payments) on a current Prosper loan of $11,000.Monthly net income: $4878.00Monthly expenses: $?4270.00
??Housing: $ 1650
??Insurance: $ 150
??Car expenses: $700?
??Utilities: $ 300
??Phone, cable, internet: $200
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 550
??Other expenses: $ 370.58 (Prosper loan ending May 2011)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hi,
What's your current job? Is it secure?
Are you the only wage earner in your household?
Thanks, - p2ploan-sensation211
A:
Medical Device Sales. Yes. Salary plus bonuses. Yes, single (not married, no children) and only wage earner in household.
(Sep-26-2010)
Q:
Hi,
Would you please explain why did you have 4 late prosper payments?
Thanks, - p2ploan-sensation211
A:
Was in between jobs. Still in Medical Device Sales though, since 2002.
(Sep-26-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ekmendenhall | $45.00 | $45.00 | 9/20/2010 2:38:15 PM |
| kulender | $33.91 | $33.91 | 9/20/2010 2:49:16 PM |
| bid-czar8 | $100.00 | $100.00 | 9/20/2010 2:51:01 PM |
| Comoparklender | $40.00 | $40.00 | 9/20/2010 2:56:59 PM |
| musegaze | $100.00 | $100.00 | 9/20/2010 2:50:24 PM |
| papaloha | $25.00 | $25.00 | 9/20/2010 2:53:16 PM |
| RainyDayFunds | $25.00 | $25.00 | 9/20/2010 5:36:12 PM |
| gold-channel2 | $50.00 | $50.00 | 9/20/2010 6:14:50 PM |
| Trakissta | $150.00 | $150.00 | 9/20/2010 8:42:19 PM |
| bobby51 | $30.00 | $30.00 | 9/21/2010 10:55:13 AM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 9:44:58 AM |
| sensational-penny | $25.00 | $25.00 | 9/21/2010 2:33:01 PM |
| lendstats_com | $200.00 | $200.00 | 9/22/2010 6:55:02 AM |
| GElender | $25.00 | $25.00 | 9/22/2010 12:08:47 PM |
| jubilant-auction5 | $25.00 | $25.00 | 9/22/2010 2:13:16 PM |
| bill-mushroom | $25.00 | $25.00 | 9/22/2010 3:01:03 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 9/22/2010 3:13:59 PM |
| painterflipper | $59.68 | $59.68 | 9/22/2010 4:03:39 PM |
| brother_tam | $50.00 | $50.00 | 9/22/2010 6:58:17 PM |
| mercuriant | $25.00 | $25.00 | 9/22/2010 11:15:38 PM |
| revenue-spa8 | $25.00 | $25.00 | 9/23/2010 9:04:52 AM |
| generous-deal6 | $50.00 | $50.00 | 9/23/2010 2:31:39 PM |
| funfamilyX4 | $25.00 | $25.00 | 9/23/2010 8:33:31 PM |
| mla | $25.00 | $25.00 | 9/23/2010 10:43:07 PM |
| AF-Chief | $50.00 | $50.00 | 9/24/2010 7:37:25 AM |
| richboy56 | $25.00 | $25.00 | 9/24/2010 8:53:49 AM |
| RMB-Investments | $26.89 | $26.89 | 9/24/2010 12:28:31 PM |
| rescue | $100.00 | $100.00 | 9/24/2010 12:58:54 PM |
| Ocean713 | $50.00 | $50.00 | 9/24/2010 3:29:04 PM |
| noble-revenue | $100.00 | $100.00 | 9/24/2010 3:29:13 PM |
| Rdodson11 | $25.00 | $25.00 | 9/24/2010 3:27:34 PM |
| orange-preeminant-bill | $50.00 | $50.00 | 9/24/2010 3:27:30 PM |
| helping-out | $50.00 | $50.00 | 9/24/2010 3:30:02 PM |
| thrifty-capital | $25.00 | $25.00 | 9/24/2010 3:31:32 PM |
| a-bountiful-trade | $25.00 | $25.00 | 9/24/2010 3:59:10 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 9/24/2010 4:39:18 PM |
| missing-link | $25.00 | $25.00 | 9/25/2010 5:32:23 AM |
| Dowanhill | $50.00 | $50.00 | 9/25/2010 9:32:06 AM |
| 108lender | $100.00 | $100.00 | 9/25/2010 10:53:44 AM |
| WonByOne | $50.00 | $50.00 | 9/25/2010 12:36:46 PM |
| outofoffice | $25.00 | $25.00 | 9/25/2010 1:52:36 PM |
| patriot384 | $180.00 | $180.00 | 9/25/2010 1:41:05 PM |
| new-social-economist | $80.00 | $80.00 | 9/25/2010 8:02:11 PM |
| Galdis | $25.00 | $25.00 | 9/26/2010 9:12:00 AM |
| Whipster | $25.00 | $25.00 | 9/26/2010 10:54:50 AM |
| Islandgal | $60.00 | $60.00 | 9/26/2010 1:16:53 PM |
| trumpeter5 | $50.00 | $50.00 | 9/26/2010 2:40:24 PM |
| chrisb4745 | $50.00 | $50.00 | 9/26/2010 3:19:38 PM |
| astute-dollar | $50.00 | $50.00 | 9/26/2010 2:35:05 PM |
| ralf206 | $25.00 | $25.00 | 9/26/2010 5:37:42 PM |
| radiant-loan5 | $200.00 | $200.00 | 9/26/2010 4:42:05 PM |
| rmpedi33 | $25.00 | $25.00 | 9/26/2010 10:30:21 PM |
| delicious-integrity7 | $25.00 | $25.00 | 9/27/2010 7:29:39 AM |
| SeeksValue | $25.00 | $25.00 | 9/27/2010 8:34:52 AM |
| LittleMingo | $30.00 | $30.00 | 9/27/2010 9:41:24 AM |
| runner262 | $25.00 | $25.00 | 9/27/2010 9:50:36 AM |
| pythia | $25.00 | $25.00 | 9/27/2010 10:53:36 AM |
| karpman3 | $50.00 | $50.00 | 9/27/2010 12:17:17 PM |
| thedreamer | $50.00 | $50.00 | 9/27/2010 12:34:35 PM |
| IIP77 | $25.00 | $25.00 | 9/27/2010 12:35:08 PM |
| asmithj | $50.00 | $50.00 | 9/27/2010 12:35:15 PM |
| irrelevant | $25.00 | $25.00 | 9/27/2010 1:08:53 PM |
| squarebob | $25.00 | $20.71 | 9/27/2010 2:16:53 PM |
| trumpeter5 | $100.00 | $100.00 | 9/27/2010 2:10:09 PM |
| felicity-daydream | $75.00 | $75.00 | 9/27/2010 2:04:15 PM |
| squarebob | $25.00 | $25.00 | 9/27/2010 2:11:16 PM |
| Nerdster1 | $25.01 | $25.01 | 9/27/2010 2:24:56 PM |
| fireferd | $30.00 | $30.00 | 9/27/2010 2:19:34 PM |
| handshake5 | $25.00 | $25.00 | 9/20/2010 2:42:00 PM |
| 6moonbeams | $25.00 | $25.00 | 9/20/2010 2:42:24 PM |
| frogperson | $250.00 | $250.00 | 9/20/2010 2:47:58 PM |
| simplelender80 | $250.00 | $250.00 | 9/20/2010 2:46:49 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 9/20/2010 2:55:15 PM |
| tech310 | $50.00 | $50.00 | 9/21/2010 1:04:35 AM |
| agiovasil | $25.00 | $25.00 | 9/20/2010 9:55:01 PM |
| dedicated-diversification5 | $125.00 | $125.00 | 9/21/2010 8:13:31 AM |
| obedient-penny4 | $25.00 | $25.00 | 9/21/2010 12:19:10 PM |
| eloquent-bill6 | $25.00 | $25.00 | 9/21/2010 2:14:57 PM |
| villagers | $50.00 | $50.00 | 9/21/2010 7:24:30 PM |
| Jloaner | $100.00 | $100.00 | 9/21/2010 9:03:21 PM |
| cognizant-rate732 | $50.00 | $50.00 | 9/22/2010 2:59:17 PM |
| EBITDA | $25.00 | $25.00 | 9/22/2010 3:04:45 PM |
| airrbob | $50.00 | $50.00 | 9/22/2010 3:33:08 PM |
| pfh | $25.00 | $25.00 | 9/22/2010 3:06:53 PM |
| ingenious-deal6 | $25.00 | $25.00 | 9/22/2010 9:33:58 PM |
| hellasow | $25.00 | $25.00 | 9/23/2010 8:11:43 AM |
| Speculator | $50.00 | $50.00 | 9/23/2010 10:58:49 AM |
| jlr613 | $25.00 | $25.00 | 9/23/2010 2:30:16 PM |
| burrito6 | $25.00 | $25.00 | 9/23/2010 2:32:06 PM |
| reward-adventure | $30.00 | $30.00 | 9/23/2010 3:12:42 PM |
| important-openness1 | $100.00 | $100.00 | 9/23/2010 11:12:27 PM |
| fairness-kayak | $25.00 | $25.00 | 9/23/2010 10:34:45 PM |
| Thylow | $100.00 | $100.00 | 9/24/2010 6:38:50 AM |
| finance-magma7 | $100.00 | $100.00 | 9/24/2010 5:59:20 AM |
| enthralling-deal180 | $100.00 | $100.00 | 9/24/2010 5:59:25 AM |
| asiaratt | $50.00 | $50.00 | 9/24/2010 7:33:10 AM |
| mtquan | $25.00 | $25.00 | 9/24/2010 12:05:04 PM |
| head | $25.00 | $25.00 | 9/24/2010 12:04:19 PM |
| platytanz | $25.00 | $25.00 | 9/24/2010 12:05:52 PM |
| arenangelchild | $50.00 | $50.00 | 9/24/2010 1:52:30 PM |
| PXM-Financial | $25.87 | $25.87 | 9/24/2010 2:33:42 PM |
| CC911 | $25.00 | $25.00 | 9/24/2010 3:25:14 PM |
| friendly-credit2 | $25.00 | $25.00 | 9/24/2010 3:28:14 PM |
| inspiring-reward | $50.20 | $50.20 | 9/24/2010 3:27:13 PM |
| treasure-bliss | $50.00 | $50.00 | 9/24/2010 3:27:26 PM |
| investment-star | $50.00 | $50.00 | 9/24/2010 3:29:00 PM |
| worthy-bid8 | $25.00 | $25.00 | 9/24/2010 3:30:49 PM |
| icecoldcash | $25.00 | $25.00 | 9/24/2010 5:19:46 PM |
| PatRichi | $25.00 | $25.00 | 9/24/2010 7:12:54 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 9/25/2010 3:46:23 PM |
| BeanCownter | $25.00 | $25.00 | 9/25/2010 4:12:08 PM |
| mason5 | $50.00 | $50.00 | 9/26/2010 9:08:11 AM |
| bountiful-durability | $100.00 | $100.00 | 9/26/2010 9:59:31 AM |
| chameleon125 | $75.00 | $75.00 | 9/26/2010 10:12:18 AM |
| courteous-kindness1 | $25.00 | $25.00 | 9/26/2010 1:49:43 PM |
| a-power-amigo | $25.00 | $25.00 | 9/26/2010 1:34:35 PM |
| heatherwood | $50.00 | $50.00 | 9/26/2010 4:42:17 PM |
| grammaspurse | $25.00 | $25.00 | 9/26/2010 9:20:57 PM |
| momoney2lend | $25.00 | $25.00 | 9/26/2010 7:27:04 PM |
| mpatrick | $25.00 | $25.00 | 9/26/2010 9:28:56 PM |
| dinero-poblano | $100.00 | $100.00 | 9/27/2010 10:21:09 AM |
| Ducatiman1978 | $25.00 | $25.00 | 9/27/2010 9:17:26 AM |
| red-favorable-basis | $25.00 | $25.00 | 9/27/2010 11:15:01 AM |
| grnii78 | $107.73 | $107.73 | 9/27/2010 11:01:34 AM |
| TakeCare | $200.00 | $200.00 | 9/27/2010 12:51:55 PM |
| qtmspin | $50.00 | $50.00 | 9/27/2010 12:35:27 PM |
| TakeCare | $200.00 | $200.00 | 9/27/2010 12:51:10 PM |
| Bob450 | $25.00 | $25.00 | 9/27/2010 1:40:00 PM |
| atlas100 | $50.00 | $50.00 | 9/27/2010 1:40:16 PM |
| 129 bids
|
Borrower Payment Dependent Notes Series
476175
This series of Notes was issued and sold upon the funding of the borrower loan #44605, 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:
| Sep-20-2010 |
| |
Auction end date:
| Sep-25-2010 |
|
|
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:
| 5.79% - 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:
| Aug-1988 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 20y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,500 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| legalfunding1 |
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
Business aqcusition completetion
Purpose of loan:
This loan will be used to? cover legal fees and closing expenses to purchase a business
My financial situation:
I am a good candidate for this loan because? I make sure my payments are made on time. I have additional income from an existing?farming business in the fall when crops are harvested.
Monthly net income: $ 5000 from my employment in engineering. An additional annual income of $120,000 which does not come in until harvesting crops in October/November from my farm business
Monthly expenses: $
??Housing: $ 2104
??Insurance: $ 170
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1100
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What kind of "business acqusition" are you completing? - RecoveryLender
A:
I am purchasing a resturant/bar.
(Sep-25-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| VAGweilo | $50.00 | $50.00 | 9/20/2010 2:38:56 PM |
| ray1051 | $25.00 | $25.00 | 9/20/2010 2:37:29 PM |
| schpere | $25.00 | $25.00 | 9/20/2010 2:37:42 PM |
| GElender | $100.00 | $100.00 | 9/20/2010 2:43:12 PM |
| jigsaw | $100.00 | $100.00 | 9/20/2010 2:44:07 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/20/2010 2:44:32 PM |
| dt_one | $25.00 | $25.00 | 9/20/2010 2:39:25 PM |
| bid-czar8 | $100.00 | $100.00 | 9/20/2010 2:45:38 PM |
| generous-deal6 | $50.00 | $50.00 | 9/20/2010 2:45:27 PM |
| larrybird | $150.00 | $150.00 | 9/20/2010 2:46:18 PM |
| gold-channel2 | $100.00 | $100.00 | 9/20/2010 2:48:24 PM |
| first-listing-expert | $25.00 | $25.00 | 9/20/2010 2:48:53 PM |
| papaloha | $25.00 | $25.00 | 9/20/2010 2:49:46 PM |
| a-finance-nirvana | $25.00 | $25.00 | 9/20/2010 2:50:10 PM |
| peripatetic | $25.00 | $25.00 | 9/20/2010 2:44:42 PM |
| rescue | $50.00 | $50.00 | 9/20/2010 2:51:17 PM |
| marketplace-cello5 | $50.00 | $50.00 | 9/20/2010 2:45:01 PM |
| simplelender80 | $250.00 | $250.00 | 9/20/2010 2:51:26 PM |
| mtquan | $25.00 | $25.00 | 9/20/2010 2:46:34 PM |
| money-bauble | $50.00 | $50.00 | 9/20/2010 2:47:48 PM |
| Comoparklender | $50.00 | $50.00 | 9/20/2010 2:57:13 PM |
| Sol_Invictus | $25.00 | $25.00 | 9/20/2010 3:28:17 PM |
| blue-useful-auction | $25.00 | $25.00 | 9/20/2010 5:25:06 PM |
| Bank_Of_XL | $50.00 | $50.00 | 9/20/2010 4:53:33 PM |
| worthy-bid8 | $100.00 | $100.00 | 9/20/2010 3:31:20 PM |
| credit-scout7 | $50.00 | $50.00 | 9/20/2010 6:59:35 PM |
| agiovasil | $25.00 | $25.00 | 9/20/2010 9:29:01 PM |
| Ocean713 | $50.00 | $50.00 | 9/20/2010 7:00:20 PM |
| get30inc | $31.00 | $31.00 | 9/20/2010 11:45:39 PM |
| Relevance | $25.00 | $25.00 | 9/21/2010 6:28:39 AM |
| radforj22 | $25.00 | $25.00 | 9/21/2010 9:35:54 AM |
| golden-bid9 | $50.00 | $50.00 | 9/21/2010 9:53:15 AM |
| trade-freshmaker | $50.00 | $50.00 | 9/21/2010 10:53:35 AM |
| Gabriel02 | $25.00 | $25.00 | 9/21/2010 12:05:01 PM |
| integrity-doctor | $100.00 | $100.00 | 9/21/2010 2:19:19 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/21/2010 3:06:39 PM |
| danthemon35 | $25.00 | $25.00 | 9/21/2010 3:06:53 PM |
| irrelevant | $25.00 | $25.00 | 9/21/2010 3:35:12 PM |
| ClearCut | $50.00 | $50.00 | 9/21/2010 5:04:39 PM |
| airrbob | $50.00 | $50.00 | 9/21/2010 10:43:47 PM |
| Bio-physicist | $25.00 | $25.00 | 9/22/2010 9:34:16 AM |
| helpinghand75 | $50.00 | $50.00 | 9/22/2010 11:33:30 AM |
| benjamins-den | $25.00 | $25.00 | 9/22/2010 11:32:29 AM |
| sound | $50.00 | $50.00 | 9/22/2010 1:44:50 PM |
| agalt | $100.00 | $100.00 | 9/22/2010 2:23:21 PM |
| on_your_side | $25.00 | $25.00 | 9/22/2010 2:35:32 PM |
| Ripsaw4U | $50.00 | $50.00 | 9/22/2010 3:43:03 PM |
| dollardave | $100.00 | $100.00 | 9/23/2010 9:23:42 AM |
| BeanCownter | $25.00 | $25.00 | 9/23/2010 9:24:51 AM |
| RMB-Investments | $50.00 | $50.00 | 9/23/2010 9:35:50 AM |
| DRA-Properties | $25.00 | $25.00 | 9/23/2010 9:49:56 AM |
| boater01 | $43.12 | $43.12 | 9/23/2010 1:58:25 PM |
| Mario2007 | $50.00 | $50.00 | 9/23/2010 3:26:38 PM |
| finance-magma7 | $27.58 | $27.58 | 9/23/2010 3:29:34 PM |
| efficient-treasure0 | $25.00 | $25.00 | 9/23/2010 3:10:32 PM |
| credit-kahuna | $50.00 | $50.00 | 9/24/2010 1:08:00 AM |
| julijask | $25.00 | $25.00 | 9/24/2010 6:13:59 AM |
| Premierelender | $25.00 | $25.00 | 9/24/2010 3:23:01 AM |
| socrates520 | $50.00 | $50.00 | 9/24/2010 6:48:10 AM |
| noble-revenue | $50.00 | $50.00 | 9/24/2010 6:39:10 AM |
| LiquidRaptor | $25.00 | $25.00 | 9/24/2010 7:33:47 AM |
| SAGE88 | $50.00 | $50.00 | 9/24/2010 8:57:12 AM |
| contract-javelin | $30.00 | $30.00 | 9/24/2010 12:48:38 PM |
| rockstar78 | $50.00 | $50.00 | 9/24/2010 1:07:49 PM |
| mike_banker | $50.00 | $50.00 | 9/24/2010 1:07:31 PM |
| LongTail | $25.00 | $25.00 | 9/24/2010 2:07:04 PM |
| efficient-marketplace | $50.00 | $50.00 | 9/24/2010 2:58:44 PM |
| TpbiCapitals | $37.25 | $37.25 | 9/24/2010 3:18:38 PM |
| Ven58 | $25.00 | $25.00 | 9/24/2010 2:58:58 PM |
| IIP77 | $25.00 | $25.00 | 9/24/2010 3:25:52 PM |
| icecoldcash | $50.00 | $50.00 | 9/24/2010 5:07:27 PM |
| engaging-worth | $25.00 | $25.00 | 9/24/2010 5:07:02 PM |
| ussugm | $25.00 | $25.00 | 9/24/2010 8:17:12 PM |
| diversification-pilot | $25.00 | $25.00 | 9/24/2010 9:17:51 PM |
| principal-injector2 | $50.00 | $50.00 | 9/24/2010 9:40:07 PM |
| Phantom99 | $25.00 | $25.00 | 9/25/2010 7:08:13 AM |
| kanpur63 | $50.00 | $50.00 | 9/25/2010 7:43:37 AM |
| gold-disk | $50.00 | $50.00 | 9/25/2010 9:38:18 AM |
| best-listing-toro | $25.00 | $25.00 | 9/25/2010 9:34:16 AM |
| wise-dedicated-power | $25.00 | $25.00 | 9/25/2010 10:22:16 AM |
| flexible-duty3 | $25.00 | $25.00 | 9/25/2010 11:46:36 AM |
| first-intelligent-credit | $42.20 | $42.20 | 9/25/2010 10:06:14 AM |
| bajeezus | $25.00 | $25.00 | 9/25/2010 1:02:15 PM |
| SomebodysMom | $57.85 | $57.85 | 9/25/2010 3:31:32 PM |
| hawk357 | $30.00 | $30.00 | 9/25/2010 5:16:11 PM |
| MTGuy | $25.00 | $25.00 | 9/25/2010 2:15:32 PM |
| bjr01 | $25.00 | $25.00 | 9/25/2010 3:37:49 PM |
| encore739 | $25.00 | $25.00 | 9/25/2010 6:31:04 PM |
| Weaverville | $25.00 | $25.00 | 9/20/2010 2:36:10 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/20/2010 2:43:03 PM |
| handshake5 | $25.00 | $25.00 | 9/20/2010 2:43:30 PM |
| kmr2 | $150.00 | $150.00 | 9/20/2010 2:43:39 PM |
| soheagle | $50.00 | $50.00 | 9/20/2010 2:43:48 PM |
| pfh | $25.00 | $25.00 | 9/20/2010 2:44:22 PM |
| kegs | $150.00 | $150.00 | 9/20/2010 2:46:04 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/20/2010 2:48:04 PM |
| ichibon | $150.00 | $150.00 | 9/20/2010 2:47:59 PM |
| jazzlender | $25.00 | $25.00 | 9/20/2010 2:43:21 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/20/2010 2:43:59 PM |
| gethsemane4 | $25.00 | $25.00 | 9/20/2010 2:52:28 PM |
| well-rounded-dinero | $75.00 | $75.00 | 9/20/2010 2:52:58 PM |
| mla | $25.00 | $25.00 | 9/20/2010 2:49:36 PM |
| red-adaptable-funds | $50.00 | $50.00 | 9/20/2010 2:51:41 PM |
| patriot897 | $34.96 | $34.96 | 9/20/2010 2:53:05 PM |
| RandyL3 | $25.00 | $25.00 | 9/20/2010 3:29:20 PM |
| FmrEngr2Phd | $25.00 | $25.00 | 9/20/2010 8:04:17 PM |
| bold-careful-finance | $25.00 | $25.00 | 9/20/2010 5:49:37 PM |
| tech310 | $50.00 | $50.00 | 9/21/2010 1:04:40 AM |
| Cai8899 | $50.00 | $50.00 | 9/21/2010 5:38:47 AM |
| lendmedo | $25.00 | $25.00 | 9/21/2010 6:34:11 AM |
| williemc44 | $50.00 | $50.00 | 9/21/2010 9:33:48 AM |
| Tradesmanlender | $25.00 | $25.00 | 9/21/2010 9:53:18 AM |
| shmb6508 | $100.00 | $100.00 | 9/21/2010 11:08:42 AM |
| penny-plato | $25.00 | $25.00 | 9/21/2010 1:01:52 PM |
| AF-Chief | $25.00 | $25.00 | 9/21/2010 12:48:39 PM |
| lounges | $50.00 | $50.00 | 9/21/2010 2:54:27 PM |
| Artist_Blue | $25.00 | $25.00 | 9/21/2010 2:56:28 PM |
| Ducatiman1978 | $25.00 | $25.00 | 9/21/2010 2:58:04 PM |
| MissionMicroFinance | $25.00 | $25.00 | 9/21/2010 3:01:09 PM |
| Clambake | $50.00 | $50.00 | 9/21/2010 4:54:21 PM |
| CasaDeTomas | $100.00 | $100.00 | 9/21/2010 7:08:35 PM |
| peb44 | $25.00 | $25.00 | 9/22/2010 1:06:53 AM |
| Tomeus | $75.00 | $75.00 | 9/22/2010 9:33:36 AM |
| loan-wasp | $50.00 | $50.00 | 9/22/2010 11:33:35 AM |
| grf1945 | $50.00 | $50.00 | 9/22/2010 11:45:27 AM |
| maldok1 | $25.00 | $25.00 | 9/22/2010 12:55:18 PM |
| objective-investor | $100.00 | $100.00 | 9/22/2010 1:44:03 PM |
| 6moonbeams | $38.23 | $38.23 | 9/22/2010 6:04:16 PM |
| bountiful-durability | $100.00 | $100.00 | 9/22/2010 4:43:46 PM |
| bill-mushroom | $25.00 | $25.00 | 9/23/2010 2:43:36 AM |
| doncm | $48.08 | $48.08 | 9/23/2010 6:18:56 AM |
| ideal-platinum1 | $25.00 | $25.00 | 9/23/2010 6:23:26 AM |
| Moneypenny6 | $25.00 | $25.00 | 9/23/2010 6:50:29 AM |
| DanLash | $50.00 | $50.00 | 9/23/2010 8:28:38 AM |
| frizzzzank | $50.00 | $50.00 | 9/23/2010 10:59:12 AM |
| FinDoc | $25.00 | $25.00 | 9/23/2010 3:06:08 PM |
| LAKESPRING | $25.00 | $25.00 | 9/23/2010 4:16:28 PM |
| bxdoc | $25.00 | $25.00 | 9/23/2010 4:19:16 PM |
| return-percolator8 | $50.00 | $50.00 | 9/23/2010 3:29:33 PM |
| ferocious-finance | $25.00 | $25.00 | 9/23/2010 4:20:14 PM |
| dajen1 | $50.00 | $50.00 | 9/23/2010 7:26:44 PM |
| green-unassailable-investment | $25.00 | $25.00 | 9/23/2010 9:28:13 PM |
| fairness-kayak | $25.00 | $25.00 | 9/23/2010 10:34:20 PM |
| triumph329 | $36.16 | $36.16 | 9/23/2010 8:43:44 PM |
| ryguy150 | $25.00 | $25.00 | 9/23/2010 8:48:29 PM |
| best-phenomenal-treasure | $25.00 | $25.00 | 9/24/2010 3:04:03 AM |
| orgy63 | $25.00 | $25.00 | 9/24/2010 4:37:13 AM |
| herbyman | $50.00 | $50.00 | 9/24/2010 5:37:23 AM |
| nickel-hickory | $25.00 | $25.00 | 9/24/2010 5:44:00 AM |
| ommcd | $25.00 | $25.00 | 9/24/2010 4:07:18 AM |
| noah88 | $25.00 | $25.00 | 9/24/2010 7:24:58 AM |
| hookUup | $25.00 | $25.00 | 9/24/2010 8:30:25 AM |
| HeavyDriver03 | $25.00 | $25.00 | 9/24/2010 10:12:18 AM |
| green-capital-hornet | $25.00 | $25.00 | 9/24/2010 9:53:52 AM |
| thrifty-capital | $25.00 | $25.00 | 9/24/2010 10:38:03 AM |
| LexerdGroupCapital | $25.00 | $25.00 | 9/24/2010 10:33:01 AM |
| Dahlozer | $50.00 | $50.00 | 9/24/2010 12:58:47 PM |
| seahorse2008 | $25.00 | $25.00 | 9/24/2010 12:58:53 PM |
| mlbox3k | $50.00 | $50.00 | 9/24/2010 12:37:22 PM |
| attentive-income | $50.00 | $50.00 | 9/24/2010 2:59:00 PM |
| kulender | $100.00 | $100.00 | 9/24/2010 2:58:47 PM |
| Easystreet | $25.00 | $25.00 | 9/24/2010 2:59:21 PM |
| excellent-leverage6 | $25.00 | $25.00 | 9/24/2010 3:21:24 PM |
| sparkling-gold | $50.00 | $50.00 | 9/24/2010 4:12:10 PM |
| friendly-market5 | $25.00 | $25.00 | 9/24/2010 5:06:24 PM |
| kmwvma | $25.00 | $25.00 | 9/24/2010 5:07:34 PM |
| basejump0 | $25.00 | $25.00 | 9/24/2010 8:39:12 PM |
| Aimvest | $25.00 | $25.00 | 9/24/2010 11:02:16 PM |
| anders94 | $25.00 | $25.00 | 9/25/2010 2:23:52 AM |
| djh47a | $25.00 | $25.00 | 9/25/2010 6:42:20 AM |
| powerful-finance7 | $25.00 | $25.00 | 9/25/2010 4:32:13 AM |
| icchok | $50.00 | $50.00 | 9/25/2010 8:37:09 AM |
| Interstate_Rate | $100.00 | $100.00 | 9/25/2010 10:47:29 AM |
| tomdooley12520 | $25.00 | $25.00 | 9/25/2010 8:49:18 AM |
| blue-euro-entrepreneur | $25.00 | $25.00 | 9/25/2010 11:22:28 AM |
| dinero-speaker | $25.00 | $25.00 | 9/25/2010 1:33:16 PM |
| ClearLake | $25.00 | $25.00 | 9/25/2010 1:37:13 PM |
| gracej | $25.00 | $25.00 | 9/25/2010 11:18:02 AM |
| sarisai | $50.00 | $43.57 | 9/25/2010 3:47:11 PM |
| wwwUniversal | $25.00 | $25.00 | 9/25/2010 1:53:01 PM |
| 180 bids
|
Borrower Payment Dependent Notes Series
476313
This series of Notes was issued and sold upon the funding of the borrower loan #44604, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-21-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $115.06 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $115.06 |
| |
|
Auction yield range:
| 10.79% - 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:
| Mar-1990 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 1/ 3 |
Revolving credit balance:
| $1,509 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dollar-jalapeno7 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidaion
Purpose of loan:
This loan will be used to?
To payoff Credit cards
My financial situation: I hope to add extra income to my budget during tax season as a part time tax preparer.
.
Monthly net income: $ 2100
Monthly expenses: $
??Housing: $?1036
??Insurance: $ included in payment of house
??Car expenses: $ car paid for and insurance
??Utilities: $ 100
??Phone, cable, internet: $?72.00
??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) |
|
| kulender | $50.00 | $50.00 | 9/21/2010 3:20:54 PM |
| simplelender80 | $250.00 | $250.00 | 9/21/2010 3:24:16 PM |
| Comoparklender | $40.00 | $40.00 | 9/21/2010 3:25:41 PM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 3:27:26 PM |
| handshake5 | $25.00 | $25.00 | 9/21/2010 3:22:01 PM |
| 6moonbeams | $25.00 | $25.00 | 9/21/2010 3:22:12 PM |
| agiovasil | $25.00 | $25.00 | 9/21/2010 5:03:48 PM |
| sfmf | $25.00 | $25.00 | 9/21/2010 9:58:57 PM |
| EBITDA | $25.00 | $25.00 | 9/22/2010 12:20:07 AM |
| ingenious-deal6 | $25.00 | $25.00 | 9/22/2010 9:34:23 PM |
| bill-mushroom | $25.00 | $25.00 | 9/23/2010 12:50:12 PM |
| gold-channel2 | $50.00 | $50.00 | 9/23/2010 10:33:19 PM |
| important-openness1 | $100.00 | $100.00 | 9/24/2010 6:38:48 AM |
| asiaratt | $50.00 | $50.00 | 9/24/2010 7:33:29 AM |
| mla | $25.00 | $25.00 | 9/24/2010 12:06:01 PM |
| a-bountiful-trade | $25.00 | $25.00 | 9/24/2010 3:59:21 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 9/24/2010 4:39:31 PM |
| mckhbnpc | $30.00 | $30.00 | 9/24/2010 8:38:35 PM |
| Jloaner | $32.67 | $32.67 | 9/24/2010 10:52:51 PM |
| SqueezeKing | $25.00 | $25.00 | 9/25/2010 10:50:34 PM |
| bountiful-durability | $100.00 | $100.00 | 9/26/2010 9:59:45 AM |
| GElender | $25.00 | $25.00 | 9/26/2010 5:51:59 PM |
| burrito6 | $25.00 | $25.00 | 9/26/2010 8:18:37 PM |
| Joshua_E | $25.00 | $25.00 | 9/27/2010 8:12:43 AM |
| coin-amigo | $25.00 | $25.00 | 9/27/2010 8:39:51 AM |
| Abstract | $25.00 | $25.00 | 9/27/2010 9:33:52 AM |
| TakeCare | $40.00 | $40.00 | 9/27/2010 1:01:20 PM |
| wwwUniversal | $25.00 | $25.00 | 9/27/2010 1:27:06 PM |
| a-power-amigo | $25.00 | $25.00 | 9/27/2010 1:42:51 PM |
| enthralling-deal180 | $100.00 | $72.23 | 9/27/2010 2:30:57 PM |
| finance-magma7 | $100.00 | $100.00 | 9/27/2010 2:29:18 PM |
| tech310 | $50.00 | $50.00 | 9/21/2010 3:26:40 PM |
| transaction-circuit | $50.00 | $50.00 | 9/21/2010 3:21:43 PM |
| musegaze | $100.00 | $100.00 | 9/21/2010 3:27:58 PM |
| bid-czar8 | $100.00 | $100.00 | 9/21/2010 3:28:24 PM |
| villagers | $50.00 | $50.00 | 9/21/2010 7:24:47 PM |
| SolarMoonshine | $25.00 | $25.00 | 9/22/2010 3:57:36 AM |
| papaloha | $25.00 | $25.00 | 9/22/2010 3:06:58 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 9/22/2010 3:14:14 PM |
| AF-Chief | $25.00 | $25.00 | 9/24/2010 7:32:48 AM |
| Speculator | $50.00 | $50.00 | 9/24/2010 7:52:27 AM |
| rescue | $100.00 | $100.00 | 9/24/2010 12:59:14 PM |
| jubilant-auction5 | $25.00 | $25.00 | 9/24/2010 3:27:49 PM |
| jc33148 | $25.00 | $25.00 | 9/24/2010 8:45:30 PM |
| 108lender | $100.00 | $100.00 | 9/25/2010 10:53:59 AM |
| pfh | $25.00 | $25.00 | 9/25/2010 1:37:12 PM |
| new-social-economist | $80.00 | $80.00 | 9/26/2010 10:59:37 AM |
| BeanCownter | $25.00 | $25.00 | 9/26/2010 6:37:24 PM |
| generous-deal6 | $43.44 | $43.44 | 9/26/2010 8:18:39 PM |
| heatherwood | $50.00 | $50.00 | 9/27/2010 8:17:25 AM |
| radiant-loan5 | $66.66 | $66.66 | 9/27/2010 8:39:13 AM |
| airrbob | $50.00 | $50.00 | 9/27/2010 9:03:15 AM |
| icecoldcash | $25.00 | $25.00 | 9/27/2010 12:17:28 PM |
| Ducatiman1978 | $25.00 | $25.00 | 9/27/2010 1:19:56 PM |
| patriot384 | $120.00 | $120.00 | 9/27/2010 1:08:55 PM |
| helping-out | $50.00 | $50.00 | 9/27/2010 2:30:54 PM |
| 56 bids
|
Borrower Payment Dependent Notes Series
476377
This series of Notes was issued and sold upon the funding of the borrower loan #44576, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,400.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Sep-20-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $197.42 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $197.42 |
| |
|
Auction yield range:
| 13.79% - 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:
| Apr-2004 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Nurse (LPN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,014 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| positivethnker |
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
My loan for RN (nursing) school
Purpose of loan: This loan will be used to help me pay for nursing school. I am currently an LPN and am furthering my education and will soon be an RN.? I don't qualify for much?financial aid, but I still need a little extra to help me finish the nursing program.
My financial situation: I am a good candidate for this loan because I make decent money as an LPN and will soon be making great money as an RN. I will be able to pay back the loan with no problems. I have never defaulted on any loan or credit cards. I value my credit score and would never let it get ruined.
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 | 9/20/2010 2:39:54 PM |
| 6moonbeams | $25.00 | $25.00 | 9/20/2010 2:42:35 PM |
| handshake5 | $25.00 | $25.00 | 9/20/2010 2:42:10 PM |
| contract-happiness1 | $25.00 | $25.00 | 9/20/2010 2:51:15 PM |
| Comoparklender | $25.00 | $25.00 | 9/20/2010 2:56:41 PM |
| agiovasil | $25.00 | $25.00 | 9/20/2010 8:30:19 PM |
| beakerfish | $50.00 | $50.00 | 9/20/2010 6:04:46 PM |
| diversification-maple1 | $25.00 | $25.00 | 9/21/2010 7:08:13 AM |
| dedicated-diversification5 | $100.00 | $100.00 | 9/21/2010 8:13:15 AM |
| reward-adventure | $50.00 | $50.00 | 9/21/2010 9:18:59 AM |
| villagers | $25.00 | $25.00 | 9/21/2010 10:11:36 AM |
| Artist_Blue | $25.00 | $25.00 | 9/21/2010 11:29:12 AM |
| penny-plato | $25.00 | $25.00 | 9/21/2010 1:10:15 PM |
| Gixxer600 | $50.00 | $50.00 | 9/21/2010 2:41:24 PM |
| marketplace-buckeye | $50.00 | $50.00 | 9/21/2010 2:41:28 PM |
| Caerus | $50.00 | $50.00 | 9/21/2010 2:41:26 PM |
| studious-principal5 | $25.00 | $25.00 | 9/21/2010 2:41:16 PM |
| papaloha | $25.00 | $25.00 | 9/22/2010 2:09:09 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 9/22/2010 3:14:10 PM |
| ingenious-deal6 | $25.00 | $25.00 | 9/22/2010 9:34:16 PM |
| SolarMoonshine | $25.00 | $25.00 | 9/22/2010 6:10:36 PM |
| lendstats_com | $200.00 | $200.00 | 9/22/2010 8:46:39 PM |
| Speculator | $50.00 | $50.00 | 9/23/2010 10:59:01 AM |
| generous-deal6 | $25.00 | $25.00 | 9/23/2010 3:26:55 PM |
| jubilant-auction5 | $25.00 | $25.00 | 9/24/2010 3:23:23 AM |
| whatreality | $25.00 | $25.00 | 9/24/2010 6:37:58 AM |
| head | $25.00 | $25.00 | 9/24/2010 5:59:14 AM |
| asiaratt | $50.00 | $50.00 | 9/24/2010 7:33:23 AM |
| pfh | $25.00 | $25.00 | 9/24/2010 2:43:12 PM |
| burrito6 | $25.00 | $25.00 | 9/24/2010 3:30:55 PM |
| GElender | $25.00 | $25.00 | 9/24/2010 3:33:28 PM |
| icecoldcash | $25.00 | $25.00 | 9/24/2010 5:19:35 PM |
| CatFunded | $25.00 | $25.00 | 9/24/2010 7:09:15 PM |
| gold-cluster | $100.00 | $100.00 | 9/24/2010 10:09:30 PM |
| majestic-currency3 | $50.00 | $50.00 | 9/25/2010 10:49:52 AM |
| loss-of-control | $50.00 | $50.00 | 9/25/2010 4:49:26 PM |
| patriot384 | $60.00 | $60.00 | 9/25/2010 1:58:42 PM |
| excellent-reward323 | $50.00 | $50.00 | 9/25/2010 6:04:00 PM |
| finance-magma7 | $49.69 | $49.69 | 9/25/2010 3:02:31 PM |
| deepblue34 | $25.00 | $25.00 | 9/25/2010 8:35:25 PM |
| josephpenrod | $25.00 | $25.00 | 9/25/2010 8:55:31 PM |
| new-social-economist | $80.00 | $80.00 | 9/25/2010 8:02:20 PM |
| nodebt2012 | $25.00 | $25.00 | 9/26/2010 1:54:32 PM |
| squarebob | $25.00 | $25.00 | 9/27/2010 7:57:38 AM |
| buddycat | $50.00 | $50.00 | 9/27/2010 9:05:40 AM |
| jybank | $25.00 | $25.00 | 9/27/2010 9:28:17 AM |
| S2152 | $25.00 | $25.00 | 9/27/2010 12:44:52 PM |
| TakeCare | $40.00 | $40.00 | 9/27/2010 12:46:03 PM |
| oath163 | $25.00 | $25.00 | 9/27/2010 11:33:29 AM |
| Rip128 | $100.00 | $100.00 | 9/27/2010 12:19:18 PM |
| income-rocker2 | $25.00 | $25.00 | 9/27/2010 12:48:27 PM |
| Ven58 | $25.00 | $25.00 | 9/27/2010 1:09:55 PM |
| ultimate-peace | $50.00 | $50.00 | 9/27/2010 1:27:35 PM |
| _NaLNaBB | $200.00 | $200.00 | 9/27/2010 1:38:28 PM |
| kulender | $50.00 | $50.00 | 9/20/2010 2:50:49 PM |
| musegaze | $25.00 | $25.00 | 9/20/2010 7:18:16 PM |
| patriot897 | $25.00 | $25.00 | 9/21/2010 6:09:01 AM |
| inspiring-reward | $25.00 | $25.00 | 9/21/2010 9:30:19 AM |
| bid-czar8 | $100.00 | $100.00 | 9/21/2010 10:12:23 AM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 9:45:17 AM |
| macbeck22 | $25.00 | $25.00 | 9/21/2010 2:41:25 PM |
| Rattlehead | $25.00 | $25.00 | 9/21/2010 1:03:27 PM |
| lowlite6647 | $25.00 | $25.00 | 9/21/2010 2:41:02 PM |
| simplybarg | $50.00 | $50.00 | 9/21/2010 2:41:27 PM |
| 108lender | $25.00 | $25.00 | 9/21/2010 2:10:30 PM |
| ore-healer6 | $25.00 | $25.00 | 9/21/2010 3:03:04 PM |
| Diamond_Jim | $25.00 | $25.00 | 9/21/2010 2:41:29 PM |
| shrewd-peace7 | $25.00 | $25.00 | 9/21/2010 3:08:02 PM |
| Cai8899 | $50.00 | $50.00 | 9/21/2010 3:05:35 PM |
| gold-channel2 | $50.00 | $50.00 | 9/21/2010 3:11:37 PM |
| loan-kung-fu | $50.00 | $50.00 | 9/22/2010 12:33:17 PM |
| bill-mushroom | $25.00 | $25.00 | 9/23/2010 2:43:57 AM |
| important-openness1 | $100.00 | $100.00 | 9/23/2010 11:12:41 PM |
| fairness-kayak | $25.00 | $25.00 | 9/23/2010 10:35:04 PM |
| mla | $25.00 | $25.00 | 9/23/2010 10:43:25 PM |
| zone8 | $50.00 | $50.00 | 9/24/2010 6:52:34 AM |
| helping-out | $30.00 | $30.00 | 9/24/2010 5:59:31 AM |
| AF-Chief | $25.00 | $25.00 | 9/24/2010 7:32:50 AM |
| Jloaner | $34.30 | $34.30 | 9/24/2010 11:22:29 AM |
| seahorse2008 | $25.00 | $25.00 | 9/24/2010 1:04:07 PM |
| rescue | $100.00 | $100.00 | 9/24/2010 12:59:05 PM |
| on_your_side | $25.00 | $25.00 | 9/24/2010 3:25:22 PM |
| airrbob | $50.00 | $50.00 | 9/24/2010 3:28:47 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 9/24/2010 4:39:27 PM |
| a-bountiful-trade | $25.00 | $25.00 | 9/24/2010 3:59:17 PM |
| worthy-bid8 | $25.00 | $25.00 | 9/25/2010 7:43:28 AM |
| majestic-currency3 | $50.00 | $50.00 | 9/25/2010 10:48:39 AM |
| DHolly | $25.00 | $25.00 | 9/25/2010 7:35:16 PM |
| BeanCownter | $25.00 | $25.00 | 9/25/2010 4:12:16 PM |
| enthralling-deal180 | $64.28 | $64.28 | 9/25/2010 8:07:10 PM |
| RyanM561 | $25.00 | $25.00 | 9/26/2010 9:11:10 AM |
| bountiful-durability | $100.00 | $23.79 | 9/26/2010 9:59:41 AM |
| loanman2007 | $100.00 | $100.00 | 9/27/2010 5:47:03 AM |
| loyalist1 | $50.00 | $50.00 | 9/27/2010 8:32:22 AM |
| Bob450 | $25.00 | $25.00 | 9/27/2010 8:40:31 AM |
| Leshan | $62.94 | $62.94 | 9/27/2010 8:53:05 AM |
| gold-cluster | $50.00 | $50.00 | 9/27/2010 9:32:33 AM |
| Amber_Stone | $25.00 | $25.00 | 9/27/2010 9:37:53 AM |
| genuine-money | $50.00 | $50.00 | 9/27/2010 9:58:19 AM |
| penny-plato | $25.00 | $25.00 | 9/27/2010 11:22:39 AM |
| Rogelio48 | $30.00 | $30.00 | 9/27/2010 12:36:29 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/27/2010 1:00:53 PM |
| 102 bids
|
Borrower Payment Dependent Notes Series
476467
This series of Notes was issued and sold upon the funding of the borrower loan #44583, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Sep-21-2010 |
| |
Auction end date:
| Sep-23-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $248.80 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $248.80 |
| |
|
Auction yield range:
| 16.79% - 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:
| Jul-2006 |
Debt/Income ratio:
| 91% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,795 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Derangle_Enterprises |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Start Up
Purpose of loan:
The purpose of this loan is to finalize the business start up costs including buying my first property. There are office supplies I have been waiting to get in order to do better research, organize records, and communicate effectively with my associates. Any money left over from this loan will be held in the business account for any other business expenses.
My financial situation:
I am a good candidate for this loan because I have done the work to get the numbers right. The money from this loan will allow me to smoothly start operating my business and set a foundation for a source of money. My personal financial situation does not accurately depict how careful I truly am when it comes to money. I just completed a move across the country and had to use most of my funds to get my Wife settled in to our new residence. After completion of this project, I plan to make more deals like this and provide good business for those who decide to work with me.
Monthly net income: $
1400.00
Monthly expenses: $
??Housing: $ 225.00
??Insurance: $
130.00
??Car expenses: $
210.00
??Utilities: $
120.00
??Phone, cable, internet: $100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $
125.00
??Other expenses: $
100.00
Information in the Description is not verified.
Friends And Family Winning Bids
MilitaryLoans has bid a total of
$778.58 in winning bids.
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
What kind of business are you starting? Good luck!!! - emjaybee
A:
My wife and I are starting a real estate investment business.
We have been working with numerous investors and real estate agents in my area in order to get the right information. Our support team is extensive and all of my questions about anything have been answered up to this point. I am extremely confident that we will do very well with our business once we get rolling.
Thank you for you interest,
Derangle_Enterprises
(Sep-22-2010)
Q:
Thanks for verifying Employment and Income. Meets Military Credit Index - Military-2-Military
A:
My pleasure, thank you for lending!
(Sep-22-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| MilitaryLending | $25.00 | $25.00 | 9/21/2010 3:21:05 PM |
| reward-adventure | $50.00 | $50.00 | 9/21/2010 3:27:11 PM |
| kulender | $100.00 | $100.00 | 9/21/2010 3:26:09 PM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 3:27:42 PM |
| villagers | $25.00 | $25.00 | 9/21/2010 7:23:23 PM |
| Military-2-Military | $1,000.00 | $1,000.00 | 9/22/2010 9:29:04 AM |
| gold-channel2 | $50.00 | $50.00 | 9/22/2010 3:07:56 PM |
| hidavehi | $89.00 | $89.00 | 9/22/2010 3:11:39 PM |
| MilitaryLending | $200.00 | $200.00 | 9/22/2010 4:21:07 PM |
| zone6 | $95.88 | $95.88 | 9/23/2010 4:25:20 AM |
| MilitaryLoans | $101.17 | $101.17 | 9/23/2010 1:19:12 AM |
| zone6 | $400.00 | $121.24 | 9/23/2010 4:30:09 AM |
| whatreality | $50.00 | $50.00 | 9/23/2010 8:38:36 AM |
| loanman2007 | $100.00 | $100.00 | 9/23/2010 10:17:00 AM |
| wattboy | $40.67 | $40.67 | 9/23/2010 8:54:20 PM |
| riveting-credit5 | $641.29 | $641.29 | 9/23/2010 9:19:49 PM |
| simplelender80 | $100.00 | $100.00 | 9/21/2010 3:24:23 PM |
| agiovasil | $25.00 | $25.00 | 9/21/2010 3:28:09 PM |
| Military-2-Military | $1,000.00 | $1,000.00 | 9/22/2010 9:28:33 AM |
| MilitaryLoans | $177.41 | $177.41 | 9/22/2010 10:47:44 AM |
| alexgalt | $100.00 | $100.00 | 9/22/2010 10:48:39 AM |
| WonByOne | $100.00 | $100.00 | 9/22/2010 11:03:53 AM |
| Kash2010lu | $75.00 | $75.00 | 9/22/2010 12:11:21 PM |
| loan-kung-fu | $50.00 | $50.00 | 9/22/2010 12:33:24 PM |
| JGuide | $25.01 | $25.01 | 9/22/2010 11:57:27 AM |
| penny-plato | $25.00 | $25.00 | 9/22/2010 2:14:22 PM |
| Comoparklender | $25.00 | $25.00 | 9/22/2010 2:28:24 PM |
| Gregger | $25.00 | $25.00 | 9/22/2010 1:02:19 PM |
| Amber_Stone | $100.00 | $100.00 | 9/22/2010 3:53:22 PM |
| zone6 | $108.33 | $108.33 | 9/22/2010 6:43:07 PM |
| 340 | $25.00 | $25.00 | 9/22/2010 5:37:55 PM |
| MilitaryLoans | $500.00 | $500.00 | 9/23/2010 4:47:00 AM |
| Kash2010lu | $25.00 | $25.00 | 9/23/2010 6:35:31 AM |
| SFBank | $300.00 | $300.00 | 9/23/2010 7:59:23 PM |
| 34 bids
|
Borrower Payment Dependent Notes Series
476491
This series of Notes was issued and sold upon the funding of the borrower loan #44589, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Sep-21-2010 |
| |
Auction end date:
| Sep-28-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 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:
| Sep-1999 |
Debt/Income ratio:
| 45% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,672 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unique007 |
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:
| 0 / 1 |
On-time:
| 25 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jun-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Great opportunity!
Purpose of loan:
I want to Thank You for taking your valuable time to read my post. The purpose of this loan are to consolidates all my debts into one prosper
loan with lower interest and help my mom with a trip back to Vietnam to visit my 97 years old grandma. My monthly expenses are low since I live
in my mom house and bills are split among brothers.
My financial situation
If you look at my credit profile of my last prosper loan, everything was the same except for my bankcard utilization. It jumped so high because I had emergency fix on my auto transmission and medical bills. There are no guaranteed in life but you can be certain that this is as close as it get because I will pay this loan back as my previous Prosper loan. Please ask me any question! Why don't you help me today and in the process get a great return on it?
Monthly net income: $
2400
Monthly expenses: $
??Housing: $
0
??Insurance: $
250
??Car expenses: $
0
??Utilities: $
200
??Phone, cable, internet: $
50
??Food, entertainment: $
50
??Clothing, household expenses $
10
??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) |
|
| frugalinvestor20 | $25.00 | $25.00 | 9/21/2010 3:21:32 PM |
| alexgalt | $100.00 | $100.00 | 9/21/2010 3:21:34 PM |
| reward-adventure | $50.00 | $50.00 | 9/21/2010 3:27:13 PM |
| Jasmel | $150.00 | $150.00 | 9/21/2010 9:11:12 PM |
| Amber_Stone | $150.00 | $150.00 | 9/22/2010 5:31:04 AM |
| loan-kung-fu | $50.00 | $50.00 | 9/22/2010 12:33:26 PM |
| gold-channel2 | $50.00 | $50.00 | 9/22/2010 3:07:58 PM |
| restless-dime | $25.00 | $25.00 | 9/22/2010 10:30:33 PM |
| brother_tam | $28.27 | $28.27 | 9/22/2010 11:16:25 PM |
| currency-bumblebee | $50.00 | $50.00 | 9/23/2010 4:34:34 PM |
| zone8 | $25.00 | $25.00 | 9/24/2010 6:52:45 AM |
| well-mannered-income3 | $50.00 | $50.00 | 9/24/2010 1:34:22 PM |
| AF-Chief | $35.00 | $35.00 | 9/24/2010 3:25:05 PM |
| brondero | $175.00 | $175.00 | 9/24/2010 3:36:08 PM |
| restless-dime | $25.00 | $25.00 | 9/24/2010 7:02:57 PM |
| head | $25.00 | $25.00 | 9/24/2010 8:17:02 PM |
| generous-deal6 | $25.00 | $25.00 | 9/25/2010 1:37:09 PM |
| WonByOne | $25.00 | $25.00 | 9/25/2010 12:41:46 PM |
| chameleon125 | $50.00 | $50.00 | 9/26/2010 10:16:28 AM |
| lender12345 | $25.00 | $25.00 | 9/27/2010 10:30:47 AM |
| visionary-currency | $50.00 | $50.00 | 9/27/2010 1:10:19 PM |
| IIP77 | $25.00 | $25.00 | 9/27/2010 2:57:44 PM |
| logical-loyalty0 | $25.00 | $25.00 | 9/27/2010 3:01:21 PM |
| worthy-bid8 | $25.00 | $25.00 | 9/27/2010 3:01:48 PM |
| cunning-bill | $25.00 | $25.00 | 9/27/2010 3:10:17 PM |
| bughead | $25.00 | $25.00 | 9/27/2010 3:26:03 PM |
| Moe87 | $28.96 | $28.96 | 9/27/2010 3:32:57 PM |
| DeltaComputerGuy | $25.00 | $25.00 | 9/27/2010 3:58:40 PM |
| zone6 | $100.00 | $100.00 | 9/27/2010 5:36:45 PM |
| payout-comet | $25.00 | $25.00 | 9/27/2010 5:34:51 PM |
| seadrg | $25.00 | $25.00 | 9/27/2010 7:42:49 PM |
| foldingbenny2 | $35.00 | $35.00 | 9/27/2010 8:13:46 PM |
| credit-missile | $25.00 | $25.00 | 9/27/2010 10:10:35 PM |
| honorable-yield | $25.00 | $25.00 | 9/27/2010 9:47:13 PM |
| Bob450 | $25.00 | $25.00 | 9/27/2010 9:57:10 PM |
| Jasmel | $96.80 | $96.80 | 9/27/2010 9:24:56 PM |
| DadWarbucks | $50.00 | $37.72 | 9/28/2010 12:19:12 AM |
| whirlingdervish | $50.00 | $50.00 | 9/28/2010 1:20:23 AM |
| five-star-note | $100.00 | $100.00 | 9/28/2010 1:54:33 AM |
| icchok | $100.00 | $100.00 | 9/28/2010 1:24:06 AM |
| return-grizzly | $100.00 | $100.00 | 9/28/2010 3:22:20 AM |
| rlaboy | $25.00 | $25.00 | 9/28/2010 5:19:01 AM |
| shrewd-income | $50.00 | $50.00 | 9/28/2010 7:21:41 AM |
| Skeptical-one | $30.00 | $30.00 | 9/21/2010 3:20:48 PM |
| kulender | $100.00 | $100.00 | 9/21/2010 3:26:12 PM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 3:27:45 PM |
| simplelender80 | $100.00 | $100.00 | 9/21/2010 3:24:26 PM |
| agiovasil | $25.00 | $25.00 | 9/21/2010 3:27:44 PM |
| villagers | $25.00 | $25.00 | 9/21/2010 7:23:20 PM |
| Artist_Blue | $25.00 | $25.00 | 9/22/2010 12:38:42 AM |
| Kash2010lu | $35.00 | $35.00 | 9/22/2010 6:25:02 AM |
| retired272 | $25.00 | $25.00 | 9/22/2010 12:51:46 PM |
| economy-popcorn | $25.00 | $25.00 | 9/22/2010 3:50:32 PM |
| Comoparklender | $25.00 | $25.00 | 9/22/2010 6:15:24 PM |
| CommunityArts_Non-profit | $167.04 | $167.04 | 9/23/2010 7:33:41 AM |
| neorunner | $25.00 | $25.00 | 9/23/2010 7:30:36 PM |
| lendstats_com | $200.00 | $200.00 | 9/23/2010 10:32:17 PM |
| SolarMoonshine | $50.00 | $50.00 | 9/24/2010 4:08:32 AM |
| mikeandcat | $43.84 | $43.84 | 9/24/2010 12:24:11 PM |
| icanhasloanz | $100.00 | $100.00 | 9/24/2010 12:26:59 PM |
| vine99 | $40.00 | $40.00 | 9/24/2010 7:40:52 PM |
| penny-plato | $100.00 | $100.00 | 9/25/2010 7:21:28 AM |
| loanman2007 | $175.00 | $175.00 | 9/25/2010 1:17:04 PM |
| SFBank | $300.00 | $300.00 | 9/25/2010 3:01:58 PM |
| fairness-kayak | $25.00 | $25.00 | 9/25/2010 9:32:04 PM |
| WonByOne | $75.00 | $75.00 | 9/26/2010 3:36:28 AM |
| ralf206 | $25.00 | $25.00 | 9/26/2010 5:31:50 PM |
| loss-of-control | $50.00 | $50.00 | 9/26/2010 6:19:23 PM |
| blitzen40 | $25.00 | $25.00 | 9/26/2010 7:53:50 PM |
| progressive-treasure1 | $100.00 | $100.00 | 9/27/2010 8:12:56 AM |
| helping-out | $30.00 | $30.00 | 9/27/2010 12:35:39 PM |
| reflective-rupee | $100.00 | $100.00 | 9/27/2010 2:41:38 PM |
| new-social-economist | $50.00 | $50.00 | 9/27/2010 3:01:43 PM |
| icecoldcash | $25.00 | $25.00 | 9/27/2010 3:01:49 PM |
| momoney2lend | $25.00 | $25.00 | 9/27/2010 3:01:51 PM |
| RMB-Investments | $50.00 | $50.00 | 9/27/2010 3:02:14 PM |
| BrighterSuns | $25.00 | $25.00 | 9/27/2010 3:15:43 PM |
| power-locomotive | $50.00 | $50.00 | 9/27/2010 3:56:12 PM |
| deepblue34 | $30.00 | $30.00 | 9/27/2010 7:14:48 PM |
| atomantic | $50.00 | $50.00 | 9/27/2010 7:00:38 PM |
| ralf206 | $50.00 | $50.00 | 9/27/2010 9:35:49 PM |
| credit-missile | $25.00 | $25.00 | 9/27/2010 10:10:52 PM |
| clemclan | $25.00 | $25.00 | 9/27/2010 9:33:01 PM |
| tjone69 | $50.00 | $50.00 | 9/27/2010 9:57:16 PM |
| Mikale360 | $25.00 | $25.00 | 9/28/2010 6:31:24 AM |
| mark1017-31 | $181.61 | $181.61 | 9/28/2010 3:03:56 AM |
| martymaniaman | $30.76 | $30.76 | 9/28/2010 6:49:23 AM |
| NekHoldings | $25.00 | $25.00 | 9/28/2010 5:16:23 AM |
| minnesotafinancial | $25.00 | $25.00 | 9/28/2010 6:18:20 AM |
| 89 bids
|
Borrower Payment Dependent Notes Series
476537
This series of Notes was issued and sold upon the funding of the borrower loan #44614, 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:
| Sep-21-2010 |
| |
Auction end date:
| Sep-27-2010 |
|
|
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:
| 16.79% - 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):
| 5 |
First credit line:
| Jul-1970 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 4y 0m |
|
Amount delinquent:
| $644 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 3 |
Revolving credit balance:
| $4,782 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| enriching-rupee5 |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards for me
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| marketplace-buckeye | $50.00 | $50.00 | 9/21/2010 3:11:57 PM |
| reward-adventure | $50.00 | $50.00 | 9/21/2010 3:27:14 PM |
| AlexTrep | $25.00 | $25.00 | 9/21/2010 3:27:46 PM |
| villagers | $25.00 | $25.00 | 9/21/2010 7:23:18 PM |
| Artist_Blue | $25.00 | $25.00 | 9/22/2010 12:38:39 AM |
| Dave_Cashflow | $25.00 | $25.00 | 9/23/2010 3:25:08 PM |
| Charlie0084 | $25.00 | $25.00 | 9/24/2010 7:18:29 AM |
| head | $25.00 | $25.00 | 9/25/2010 10:57:04 PM |
| gold-cluster | $100.00 | $100.00 | 9/27/2010 7:13:40 AM |
| buyrite334 | $32.41 | $32.41 | 9/27/2010 1:30:46 PM |
| simplelender80 | $100.00 | $100.00 | 9/21/2010 3:24:27 PM |
| agiovasil | $25.00 | $25.00 | 9/21/2010 3:26:55 PM |
| kulender | $100.00 | $100.00 | 9/21/2010 3:27:00 PM |
| inspiring-reward | $25.95 | $25.95 | 9/22/2010 8:23:31 AM |
| loan-kung-fu | $50.00 | $50.00 | 9/22/2010 12:33:27 PM |
| retired272 | $25.00 | $25.00 | 9/22/2010 12:55:12 PM |
| gold-channel2 | $50.00 | $50.00 | 9/22/2010 6:24:20 PM |
| Comoparklender | $25.00 | $25.00 | 9/22/2010 8:38:37 PM |
| zone8 | $50.00 | $50.00 | 9/24/2010 3:26:04 PM |
| AF-Chief | $35.00 | $35.00 | 9/24/2010 3:25:08 PM |
| tech30528 | $25.00 | $25.00 | 9/24/2010 8:10:49 PM |
| generous-deal6 | $25.00 | $25.00 | 9/25/2010 9:32:14 PM |
| CommunityArts_Non-profit | $25.00 | $25.00 | 9/27/2010 6:45:10 AM |
| fairness-kayak | $25.00 | $25.00 | 9/27/2010 12:35:38 PM |
| helping-out | $30.00 | $6.64 | 9/27/2010 1:35:31 PM |
| dynamic-fairness | $25.00 | $25.00 | 9/27/2010 3:28:23 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
476641
This series of Notes was issued and sold upon the funding of the borrower loan #44602, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-22-2010 |
| |
Auction end date:
| Sep-24-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 32.50% |
Starting monthly payment:
| $49.31 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 32.50% |
Final monthly payment:
| $49.31 |
| |
|
Auction yield range:
| 10.79% - 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:
| Mar-1997 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
7 | Length of status: | 4y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,618 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wise-sincere-value |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Car needs major repairs
Purpose of loan:
This loan will be used to repair our 2006 Chevy, it needs a new water pump as well as a compressor for the air condition.? We do not have any cash on hand and over a year and a half ago have voluntarily closed all credit cards to participate in a credit counseling program.
My financial situation:
I am a good candidate for this loan because I am a good payer and have never been late on any payments to anyone.? Although our Debt to Income ratio is high we have always fulfilled our obligations.? I am expecting a substantial bonus at years end and am confident I can pay this loan if funded.
Monthly net income: $ 5500
Monthly expenses: $
??Housing: $
1436
??Insurance: $
100
??Car expenses: $
??Utilities: $
200
??Phone, cable, internet: $
200
??Food, entertainment: $
150
??Clothing, household expenses $
??Credit cards and other loans: $
1300
??Other expenses:
Groceries:? $ 400
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| simplelender80 | $45.05 | $45.05 | 9/22/2010 9:41:11 AM |
| kulender | $100.00 | $100.00 | 9/22/2010 9:40:43 AM |
| handshake5 | $25.00 | $25.00 | 9/22/2010 9:41:39 AM |
| AlexTrep | $25.00 | $25.00 | 9/22/2010 9:44:00 AM |
| EBITDA | $25.00 | $25.00 | 9/22/2010 2:38:44 PM |
| SeeksValue | $25.00 | $25.00 | 9/22/2010 2:26:31 PM |
| penny-plato | $25.00 | $25.00 | 9/23/2010 7:18:55 AM |
| bankbuddy55 | $30.00 | $4.95 | 9/23/2010 9:23:47 AM |
| Whipster | $50.00 | $50.00 | 9/23/2010 9:25:36 AM |
| dollardave | $50.00 | $50.00 | 9/23/2010 9:26:48 AM |
| cashhelp | $25.00 | $25.00 | 9/23/2010 12:59:02 PM |
| cashhelp | $25.00 | $25.00 | 9/23/2010 12:59:00 PM |
| FLA- | $25.00 | $25.00 | 9/23/2010 2:40:24 PM |
| SFBank | $300.00 | $300.00 | 9/23/2010 7:58:27 PM |
| 6moonbeams | $25.00 | $25.00 | 9/22/2010 9:41:54 AM |
| tech310 | $50.00 | $50.00 | 9/22/2010 9:43:41 AM |
| agiovasil | $25.00 | $25.00 | 9/22/2010 9:51:44 AM |
| Comoparklender | $25.00 | $25.00 | 9/22/2010 9:40:28 AM |
| RebuildALife | $25.00 | $25.00 | 9/22/2010 1:33:28 PM |
| mercuriant | $25.00 | $25.00 | 9/22/2010 2:59:31 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 9/22/2010 3:14:36 PM |
| integrity-samaritan | $25.00 | $25.00 | 9/22/2010 9:15:40 PM |
| villagers | $50.00 | $50.00 | 9/23/2010 5:48:54 AM |
| building_community | $25.00 | $25.00 | 9/23/2010 7:23:09 AM |
| USNavyVet | $25.00 | $25.00 | 9/23/2010 2:03:44 PM |
| dynamic-fairness | $25.00 | $25.00 | 9/23/2010 12:50:37 PM |
| aztocas | $25.00 | $25.00 | 9/23/2010 4:51:29 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
476695
This series of Notes was issued and sold upon the funding of the borrower loan #44567, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,250.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.3% |
Auction start date:
| Sep-22-2010 |
| |
Auction end date:
| Sep-23-2010 |
|
|
Starting lender yield:
| 6.85% |
Starting borrower rate/APR:
| 7.85% / 8.19% |
Starting monthly payment:
| $195.42 |
|
Final lender yield:
| 6.85% |
Final borrower rate/APR:
| 7.85% / 8.19% |
Final monthly payment:
| $195.42 |
| |
|
Auction yield range:
| 2.79% - 6.85% |
Estimated loss impact:
| 1.30% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
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:
| Oct-1996 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,323 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wise-bill-pro |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $7,250.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Feb-2010)
740-759
(Dec-2009)
|
|
Principal balance:
| $6,178.34 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Paying off Last Credit Card!
Purpose of loan:
This loan will be used to pay off my last Credit Card, Almost Credit Card Free!
My financial situation:
I am an excellent candidate for this loan because I have been always on time
with any loan/Credit Card Payments.? If you notice my Credit score has
improved considerably since my last loan through Prosper 6 months ago and I
have always made on time payments.? I am working on getting this loan and
I will be out of credit card debt.
The remaining Revolving Credit Balance, is due to
Work expenses that are reimbursed on a monthly basis.? I can provide
detailed backup if needed.I work for a company called The Palladium Group, so I do a lot of traveling and all my expenses during the week are paid for.
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) |
|
| generous-deal6 | $50.00 | $50.00 | 9/22/2010 12:28:24 PM |
| Weaverville | $25.00 | $25.00 | 9/22/2010 12:28:26 PM |
| market-socrates4 | $50.00 | $50.00 | 9/22/2010 12:28:54 PM |
| F_Banks | $50.00 | $50.00 | 9/22/2010 12:28:58 PM |
| understanding-marketplace | $50.00 | $50.00 | 9/22/2010 12:29:07 PM |
| power-defender7 | $25.00 | $25.00 | 9/22/2010 12:29:10 PM |
| larrybird | $150.00 | $150.00 | 9/22/2010 12:29:40 PM |
| natural-affluence4 | $50.00 | $50.00 | 9/22/2010 12:29:45 PM |
| lender987654321 | $50.00 | $50.00 | 9/22/2010 12:29:54 PM |
| timepassport | $25.00 | $25.00 | 9/22/2010 12:30:02 PM |
| 4XKcWfGvp9kC3ELjo4pL | $25.00 | $25.00 | 9/22/2010 12:30:14 PM |
| andymax | $50.00 | $50.00 | 9/22/2010 12:30:30 PM |
| bazaar-nirvana | $50.00 | $50.00 | 9/22/2010 12:30:57 PM |
| radforj22 | $50.00 | $50.00 | 9/22/2010 12:28:38 PM |
| MadHun | $100.00 | $100.00 | 9/22/2010 12:29:00 PM |
| moneyfriend | $50.00 | $50.00 | 9/22/2010 12:29:04 PM |
| GElender | $100.00 | $100.00 | 9/22/2010 12:29:11 PM |
| MarinLoans | $25.00 | $25.00 | 9/22/2010 12:29:17 PM |
| SDNLR | $25.00 | $25.00 | 9/22/2010 12:29:51 PM |
| elasermd | $100.00 | $100.00 | 9/22/2010 12:30:10 PM |
| cachecrew | $50.00 | $50.00 | 9/22/2010 12:30:21 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 9/22/2010 12:30:31 PM |
| neighborly-hope6 | $50.00 | $50.00 | 9/22/2010 12:30:58 PM |
| thedoctor | $100.00 | $100.00 | 9/22/2010 12:28:29 PM |
| cebgop | $25.00 | $25.00 | 9/22/2010 12:28:36 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/22/2010 12:28:51 PM |
| harmonious-moola7 | $50.00 | $50.00 | 9/22/2010 12:28:55 PM |
| Havana21 | $100.00 | $100.00 | 9/22/2010 12:29:02 PM |
| kanakakm | $50.00 | $50.00 | 9/22/2010 12:29:09 PM |
| magical-greenback | $50.00 | $50.00 | 9/22/2010 12:29:30 PM |
| kulender | $25.00 | $25.00 | 9/22/2010 12:29:36 PM |
| museic1 | $25.00 | $25.00 | 9/22/2010 12:29:48 PM |
| Ripsaw4U | $50.00 | $50.00 | 9/22/2010 12:29:52 PM |
| well-rounded-dinero | $100.00 | $100.00 | 9/22/2010 12:29:59 PM |
| LAKESPRING | $25.00 | $25.00 | 9/22/2010 12:30:19 PM |
| SanJoser | $25.00 | $25.00 | 9/22/2010 12:30:29 PM |
| IIP77 | $25.00 | $25.00 | 9/22/2010 1:41:29 PM |
| Railbird | $25.00 | $25.00 | 9/22/2010 12:31:11 PM |
| danthemon35 | $25.00 | $25.00 | 9/22/2010 1:42:14 PM |
| magnificent-income7 | $50.00 | $50.00 | 9/22/2010 2:02:47 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 9/22/2010 1:54:30 PM |
| money-bauble | $25.00 | $25.00 | 9/22/2010 1:04:09 PM |
| Rdodson11 | $25.00 | $25.00 | 9/22/2010 2:35:12 PM |
| marketplace-cello5 | $50.00 | $50.00 | 9/22/2010 1:41:26 PM |
| aasx1108 | $25.00 | $25.00 | 9/22/2010 2:56:15 PM |
| bountiful-durability | $53.99 | $53.99 | 9/22/2010 2:03:28 PM |
| radiant-cash | $50.00 | $50.00 | 9/22/2010 2:28:42 PM |
| JandJ-Bank | $50.00 | $50.00 | 9/22/2010 3:16:21 PM |
| tntmojave | $25.00 | $25.00 | 9/22/2010 3:43:27 PM |
| japerk | $50.00 | $50.00 | 9/22/2010 3:16:09 PM |
| payment-freshmaker | $50.00 | $50.00 | 9/22/2010 4:43:10 PM |
| pwkpwk | $25.00 | $25.00 | 9/22/2010 3:42:13 PM |
| paladin847 | $43.20 | $43.20 | 9/22/2010 3:42:57 PM |
| dharma1 | $25.00 | $25.00 | 9/22/2010 11:00:15 PM |
| ddamenace | $35.00 | $35.00 | 9/22/2010 8:02:16 PM |
| PumpkinHead406 | $25.00 | $25.00 | 9/22/2010 11:10:38 PM |
| blue-useful-auction | $25.00 | $25.00 | 9/22/2010 5:04:04 PM |
| tlam168 | $30.18 | $30.18 | 9/22/2010 11:16:27 PM |
| gethsemane4 | $25.00 | $25.00 | 9/22/2010 6:14:27 PM |
| johntina | $31.05 | $31.05 | 9/22/2010 11:12:40 PM |
| active-trade4 | $26.61 | $26.61 | 9/22/2010 11:41:17 PM |
| retiresecure | $25.00 | $25.00 | 9/23/2010 7:10:41 AM |
| jla720 | $50.00 | $34.07 | 9/23/2010 9:34:46 AM |
| KeepOnRunning | $42.90 | $42.90 | 9/23/2010 8:34:22 AM |
| ZeoInvestments | $25.00 | $25.00 | 9/23/2010 9:34:42 AM |
| fireheart | $25.00 | $25.00 | 9/23/2010 9:08:29 AM |
| consomedia | $50.00 | $50.00 | 9/23/2010 9:08:32 AM |
| heerzaquestion | $25.00 | $25.00 | 9/23/2010 9:09:21 AM |
| power-comet4 | $25.00 | $25.00 | 9/23/2010 11:42:14 AM |
| Sarspatula | $25.00 | $25.00 | 9/23/2010 10:09:08 AM |
| outofoffice | $75.00 | $75.00 | 9/23/2010 1:28:43 PM |
| mlopez2007 | $25.00 | $25.00 | 9/22/2010 12:28:25 PM |
| DukSerduk | $25.00 | $25.00 | 9/22/2010 12:28:33 PM |
| gold-commander0 | $50.00 | $50.00 | 9/22/2010 12:28:56 PM |
| MoneyU4IA | $50.00 | $50.00 | 9/22/2010 12:29:03 PM |
| meenan | $25.00 | $25.00 | 9/22/2010 12:29:07 PM |
| damage | $25.00 | $25.00 | 9/22/2010 12:29:23 PM |
| FlexFunding | $50.00 | $50.00 | 9/22/2010 12:29:44 PM |
| OTtherapy | $50.00 | $50.00 | 9/22/2010 12:29:50 PM |
| commanding-dollar2 | $50.00 | $50.00 | 9/22/2010 12:29:57 PM |
| gzeo | $25.00 | $25.00 | 9/22/2010 12:30:04 PM |
| value-pouch | $29.16 | $29.16 | 9/22/2010 12:30:09 PM |
| tender-integrity3 | $50.00 | $50.00 | 9/22/2010 12:30:25 PM |
| alpinaut | $30.00 | $30.00 | 9/22/2010 12:28:28 PM |
| unclejaef | $25.00 | $25.00 | 9/22/2010 12:28:35 PM |
| diplomatic-wealth7 | $100.00 | $100.00 | 9/22/2010 12:28:56 PM |
| ichibon | $150.00 | $150.00 | 9/22/2010 12:29:01 PM |
| duty-windmill | $25.00 | $25.00 | 9/22/2010 12:29:08 PM |
| a-exponential-hope | $25.00 | $25.00 | 9/22/2010 12:29:14 PM |
| organized-payment6 | $50.00 | $50.00 | 9/22/2010 12:29:26 PM |
| SBT | $50.00 | $50.00 | 9/22/2010 12:29:46 PM |
| DeathScythe676 | $25.00 | $25.00 | 9/22/2010 12:29:58 PM |
| jdashv | $25.00 | $25.00 | 9/22/2010 12:30:16 PM |
| RMB-Investments | $50.00 | $50.00 | 9/22/2010 12:30:26 PM |
| blot44 | $25.00 | $25.00 | 9/22/2010 12:30:44 PM |
| miamiwill | $50.00 | $50.00 | 9/22/2010 12:31:00 PM |
| manuvns | $25.00 | $25.00 | 9/22/2010 12:38:46 PM |
| samo102us | $25.00 | $25.00 | 9/22/2010 1:19:47 PM |
| schpere | $25.00 | $25.00 | 9/22/2010 12:28:20 PM |
| cash-sensai2 | $25.00 | $25.00 | 9/22/2010 12:28:31 PM |
| saysana | $25.00 | $25.00 | 9/22/2010 12:28:41 PM |
| investment-network | $50.00 | $50.00 | 9/22/2010 12:28:53 PM |
| eyal0 | $25.00 | $25.00 | 9/22/2010 12:28:57 PM |
| important-ore | $50.00 | $50.00 | 9/22/2010 12:29:06 PM |
| murren | $25.00 | $25.00 | 9/22/2010 12:29:12 PM |
| capital-futurist | $50.00 | $50.00 | 9/22/2010 12:29:33 PM |
| yukongin | $50.00 | $50.00 | 9/22/2010 12:29:43 PM |
| delicious-social132 | $50.00 | $50.00 | 9/22/2010 12:29:49 PM |
| acropiloterau2002 | $25.00 | $25.00 | 9/22/2010 12:29:55 PM |
| kenji4861 | $50.00 | $50.00 | 9/22/2010 12:30:12 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/22/2010 12:30:27 PM |
| beaker | $25.00 | $25.00 | 9/22/2010 1:54:02 PM |
| engaging-worth | $25.00 | $25.00 | 9/22/2010 12:30:59 PM |
| progressive-rupee | $50.00 | $50.00 | 9/22/2010 12:31:04 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 9/22/2010 12:31:14 PM |
| ideal-platinum1 | $50.00 | $50.00 | 9/22/2010 1:42:03 PM |
| credit-scout7 | $50.00 | $50.00 | 9/22/2010 1:42:34 PM |
| lloyd_s | $25.00 | $25.00 | 9/22/2010 2:58:21 PM |
| Phantom99 | $25.00 | $25.00 | 9/22/2010 3:01:30 PM |
| community-pipeline8 | $50.00 | $50.00 | 9/22/2010 3:42:58 PM |
| ijspence | $50.00 | $50.00 | 9/22/2010 3:16:24 PM |
| ticklemaxx | $50.00 | $50.00 | 9/22/2010 3:58:49 PM |
| Cheburashka | $30.00 | $30.00 | 9/22/2010 3:42:53 PM |
| payout-reaction740 | $25.00 | $25.00 | 9/22/2010 4:03:15 PM |
| engaging-yield4 | $25.00 | $25.00 | 9/22/2010 3:14:57 PM |
| ceg451 | $50.00 | $50.00 | 9/22/2010 7:28:10 PM |
| wild_carrot | $25.00 | $25.00 | 9/22/2010 7:33:45 PM |
| Tai | $25.00 | $25.00 | 9/22/2010 3:43:59 PM |
| Preteur | $25.00 | $25.00 | 9/22/2010 6:14:22 PM |
| azali | $25.00 | $25.00 | 9/22/2010 10:59:10 PM |
| peerlender | $25.00 | $25.00 | 9/22/2010 11:01:05 PM |
| calessabay | $25.00 | $25.00 | 9/22/2010 11:26:39 PM |
| DLock99 | $42.95 | $42.95 | 9/22/2010 5:53:51 PM |
| awwaww | $25.00 | $25.00 | 9/22/2010 6:14:18 PM |
| peaceful-agreement2 | $25.00 | $25.00 | 9/22/2010 11:41:39 PM |
| platinum-sorcerer6 | $25.00 | $25.00 | 9/22/2010 11:44:14 PM |
| top-sensible-yield | $50.00 | $50.00 | 9/22/2010 11:59:27 PM |
| ideal-penny8 | $50.00 | $50.00 | 9/22/2010 7:43:06 PM |
| lizard_lips | $25.61 | $25.61 | 9/22/2010 11:26:18 PM |
| hookUup | $25.00 | $25.00 | 9/23/2010 5:29:35 AM |
| trade-pumpkin | $27.52 | $27.52 | 9/22/2010 11:41:51 PM |
| platinum-genetics | $25.00 | $25.00 | 9/23/2010 3:04:35 AM |
| Philosonie | $25.00 | $25.00 | 9/23/2010 6:45:24 AM |
| kegs | $30.96 | $30.96 | 9/23/2010 9:08:33 AM |
| dollardave | $100.00 | $100.00 | 9/23/2010 9:24:01 AM |
| toocautious | $50.00 | $50.00 | 9/23/2010 7:24:50 AM |
| deal-frontier | $50.00 | $50.00 | 9/23/2010 9:08:31 AM |
| penny-finder | $40.00 | $40.00 | 9/23/2010 10:07:28 AM |
| JBCR | $71.80 | $71.80 | 9/23/2010 12:33:15 PM |
| 149 bids
|
Borrower Payment Dependent Notes Series
476803
This series of Notes was issued and sold upon the funding of the borrower loan #44579, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% |
Auction start date:
| Sep-23-2010 |
| |
Auction end date:
| Sep-24-2010 |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $131.24 |
|
Final lender yield:
| 10.15% |
Final borrower rate/APR:
| 11.15% / 13.27% |
Final monthly payment:
| $131.24 |
| |
|
Auction yield range:
| 3.79% - 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:
| Mar-1989 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 13y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,621 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 39% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| best-reverent-duty |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Rebuilding Credit Rating
Purpose of loan:
This loan will be used to? Rebuild and strengthen my credit portfolio.
My financial situation:
I am a good candidate for this loan because? I have long term stability with my current employer, am a home owner with perfect pay history for 7 years, and am just trying to rebuild my credit history with obtaining this fixed payment loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DRA-Properties | $25.00 | $25.00 | 9/23/2010 2:31:12 PM |
| Weaverville | $25.00 | $25.00 | 9/23/2010 2:40:21 PM |
| schpere | $75.00 | $75.00 | 9/23/2010 2:42:38 PM |
| ray1051 | $25.00 | $25.00 | 9/23/2010 2:43:52 PM |
| radforj22 | $25.00 | $25.00 | 9/23/2010 2:44:01 PM |
| first-listing-expert | $25.00 | $25.00 | 9/23/2010 2:44:45 PM |
| GElender | $75.00 | $75.00 | 9/23/2010 2:46:14 PM |
| br4444 | $25.00 | $25.00 | 9/23/2010 2:38:25 PM |
| simplelender80 | $125.51 | $125.51 | 9/23/2010 2:43:59 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/23/2010 2:44:13 PM |
| LMM1 | $25.00 | $25.00 | 9/23/2010 3:06:10 PM |
| Go_Ducks | $25.00 | $25.00 | 9/23/2010 3:07:10 PM |
| meenan | $25.00 | $25.00 | 9/23/2010 2:44:48 PM |
| helpful-dough | $50.00 | $50.00 | 9/23/2010 3:10:48 PM |
| asset-professor | $50.00 | $50.00 | 9/23/2010 3:11:02 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/23/2010 2:43:54 PM |
| bid-czar8 | $100.00 | $100.00 | 9/23/2010 2:44:32 PM |
| Ocean713 | $50.00 | $50.00 | 9/23/2010 3:10:31 PM |
| tranquil-return4 | $25.00 | $25.00 | 9/23/2010 3:11:00 PM |
| samo102us | $25.00 | $25.00 | 9/23/2010 3:11:07 PM |
| SimpleChoice | $25.00 | $25.00 | 9/23/2010 3:11:58 PM |
| minista | $25.00 | $25.00 | 9/23/2010 3:24:49 PM |
| Texas2020 | $50.00 | $50.00 | 9/23/2010 4:13:58 PM |
| gain-seagull9 | $25.00 | $25.00 | 9/23/2010 3:11:01 PM |
| wwwUniversal | $25.00 | $25.00 | 9/23/2010 4:17:22 PM |
| Fiimg | $50.00 | $50.00 | 9/23/2010 3:11:55 PM |
| Mario2007 | $50.00 | $50.00 | 9/23/2010 3:19:11 PM |
| VPRLLC | $25.00 | $25.00 | 9/23/2010 4:14:00 PM |
| vanderhp | $25.00 | $25.00 | 9/23/2010 4:14:04 PM |
| GoSix | $25.00 | $25.00 | 9/23/2010 4:14:18 PM |
| dajen1 | $25.00 | $25.00 | 9/23/2010 7:51:44 PM |
| interstellar | $50.00 | $50.00 | 9/24/2010 1:48:56 AM |
| gold-channel2 | $117.46 | $117.46 | 9/24/2010 3:03:33 AM |
| CK1 | $25.00 | $25.00 | 9/24/2010 8:47:15 AM |
| power-defender7 | $30.00 | $30.00 | 9/24/2010 3:53:17 PM |
| AF-Chief | $25.00 | $25.00 | 9/23/2010 2:31:35 PM |
| value-microscope | $25.00 | $25.00 | 9/23/2010 2:38:09 PM |
| rescue | $50.00 | $50.00 | 9/23/2010 2:39:38 PM |
| organized-payment6 | $50.00 | $50.00 | 9/23/2010 2:40:24 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/23/2010 2:43:24 PM |
| danthemon35 | $25.00 | $25.00 | 9/23/2010 2:31:48 PM |
| handshake5 | $100.00 | $100.00 | 9/23/2010 2:44:08 PM |
| generous-deal6 | $50.00 | $50.00 | 9/23/2010 2:44:29 PM |
| Gabriel02 | $25.00 | $25.00 | 9/23/2010 2:45:02 PM |
| money-bauble | $50.00 | $50.00 | 9/23/2010 2:46:04 PM |
| runner262 | $25.00 | $25.00 | 9/23/2010 2:30:56 PM |
| soheagle | $50.00 | $50.00 | 9/23/2010 2:43:57 PM |
| pfh | $25.00 | $25.00 | 9/23/2010 2:44:20 PM |
| peripatetic | $25.00 | $25.00 | 9/23/2010 2:44:23 PM |
| ichibon | $150.00 | $150.00 | 9/23/2010 2:44:40 PM |
| HedgeFund | $50.00 | $50.00 | 9/23/2010 3:07:45 PM |
| shmb6508 | $100.00 | $100.00 | 9/23/2010 2:44:59 PM |
| CasaDeTomas | $100.00 | $100.00 | 9/23/2010 2:45:07 PM |
| Tomeus | $75.00 | $75.00 | 9/23/2010 2:45:22 PM |
| bodascafe | $25.00 | $25.00 | 9/23/2010 3:10:58 PM |
| yukongin | $100.00 | $100.00 | 9/23/2010 3:12:00 PM |
| 6moonbeams | $100.00 | $100.00 | 9/23/2010 2:47:16 PM |
| kmr2 | $150.00 | $150.00 | 9/23/2010 3:13:07 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/23/2010 2:44:04 PM |
| SDNLR | $25.00 | $25.00 | 9/23/2010 3:24:35 PM |
| jigsaw | $100.00 | $100.00 | 9/23/2010 2:44:14 PM |
| mtquan | $25.00 | $25.00 | 9/23/2010 2:44:33 PM |
| jazzlender | $25.00 | $25.00 | 9/23/2010 2:45:15 PM |
| maldok1 | $25.00 | $25.00 | 9/23/2010 2:45:23 PM |
| mla | $25.00 | $25.00 | 9/23/2010 3:12:02 PM |
| agiovasil | $25.00 | $25.00 | 9/23/2010 2:47:32 PM |
| devin57 | $25.00 | $25.00 | 9/23/2010 3:24:40 PM |
| availableloan | $25.00 | $25.00 | 9/23/2010 3:25:32 PM |
| hope-hickory | $25.00 | $25.00 | 9/23/2010 3:06:58 PM |
| generosity-giraffe0 | $50.00 | $50.00 | 9/23/2010 3:07:07 PM |
| productive-finance | $25.00 | $25.00 | 9/23/2010 3:27:07 PM |
| balanced-bill7 | $50.00 | $50.00 | 9/23/2010 3:10:56 PM |
| worldly-community3 | $50.00 | $50.00 | 9/23/2010 3:11:59 PM |
| silktea | $50.00 | $50.00 | 9/23/2010 3:24:22 PM |
| Stollewood | $50.00 | $50.00 | 9/23/2010 3:58:26 PM |
| zenchef | $25.00 | $25.00 | 9/23/2010 3:24:43 PM |
| ItsJustMe79 | $40.00 | $40.00 | 9/23/2010 4:14:03 PM |
| wise-bonus-honker | $25.00 | $25.00 | 9/23/2010 4:14:19 PM |
| ashlil01 | $25.00 | $25.00 | 9/23/2010 4:13:57 PM |
| China0813 | $25.00 | $25.00 | 9/23/2010 4:14:01 PM |
| jdrez | $25.00 | $25.00 | 9/23/2010 4:14:09 PM |
| t3mp3st | $50.00 | $9.32 | 9/23/2010 4:14:20 PM |
| dollardave | $27.71 | $27.71 | 9/23/2010 6:08:07 PM |
| natural-affluence4 | $25.00 | $25.00 | 9/24/2010 6:22:25 AM |
| bcsmith | $25.00 | $25.00 | 9/24/2010 9:27:02 AM |
| RandyL3 | $25.00 | $25.00 | 9/24/2010 4:41:44 PM |
| theloanfiller | $25.00 | $25.00 | 9/24/2010 5:37:50 PM |
| 87 bids
|