Sales Report:Supplement No. 57 dated Oct 19, 2010 to Prospectus dated Jul 26, 2010
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 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 288480
This series of Notes was issued and sold upon the funding of the borrower loan #44857, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,050.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $205.75
Final lender yield: 12.00% Final borrower rate/APR: 13.00% / 15.14% Final monthly payment: $203.85
 
Auction yield range: 5.71% - 12.65% Estimated loss impact: 5.15%  
Lender servicing fee: 1.00% Estimated return: 6.85%  
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-1997 Debt/Income ratio: 10%
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 13Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,042Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: BrianB1978 Borrower's state: California Borrower's group: 100% IOWA
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 800-819 (Latest)
Principal borrowed: $3,725.00< 31 days late: 0 ( 0% )  
620-639 (Feb-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Consolidating my 3 credit cards!
I've got three credit cards that I'm gradually paying off, and I'm sick of giving the banks 20-24% interest! I'd rather have one payment and be paying interest to the nice people on Prosper.

This will be my second prosper loan -- the first was used to replace a high interest card. I made every payment on time. Since then, I've gotten a better paying job as an Account Manager at a major Hollywood post production facility, I've bought and renovated a house, and my credit score has climbed over 800. My first lone was a great experience, so I figured I should do it again!

I hope you'll help me -- I'd love to pay you instead of a bank! I think this is fairly simple, please let me know if you have any questions.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your credit profile shows you are currently delinquent with one account. What is the balance of that account/loan? - plumber87
A: Thanks for asking! The one delinquent account is a very old cell phone bill that I've been disputing for years. The balance is $129 dollars. I've just been refusing to pay it on principle, because I canceled my account over the phone, but they later said they had no record of the cancellation. I since learned to cancel things in writing! (Oct-09-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tolerant-dinero2$25.00$25.0010/8/2010 3:27:40 PM
labyrinth0$25.00$25.0010/8/2010 9:12:59 PM
Aberdeen$400.00$400.0010/9/2010 2:46:58 AM
MoneyForNothing$57.45$57.4510/8/2010 6:40:30 PM
first-serene-credit$100.00$100.0010/9/2010 9:29:16 AM
platinum-hunter7$75.00$20.1510/10/2010 4:37:49 AM
atlas100$50.00$50.0010/10/2010 12:46:48 PM
CERTIFIED$100.00$100.0010/10/2010 9:27:47 AM
bughead$25.00$25.0010/10/2010 11:59:31 AM
penny-plato$25.00$25.0010/10/2010 5:06:30 PM
FinanceEngine$35.00$35.0010/11/2010 11:11:03 AM
radiant-return$39.00$39.0010/12/2010 6:43:30 AM
sflash$25.00$25.0010/11/2010 8:05:54 PM
gjm6d$25.00$25.0010/12/2010 5:05:07 PM
Johnab$25.00$25.0010/12/2010 5:20:50 PM
interstellar$50.00$50.0010/13/2010 1:01:47 AM
loyalty-czar$38.40$38.4010/12/2010 9:04:14 PM
_SCI_$25.00$25.0010/13/2010 8:02:43 AM
Lender0307$25.00$25.0010/13/2010 8:47:52 AM
RecoveryLender$25.00$25.0010/13/2010 11:01:31 AM
jpblan11$25.00$25.0010/13/2010 10:00:59 AM
integrity-doctor$100.00$100.0010/13/2010 2:35:45 PM
crdcteng$50.00$50.0010/13/2010 5:53:17 PM
bejfishing$25.00$25.0010/13/2010 6:54:19 PM
Richmp412$25.00$25.0010/14/2010 7:01:29 AM
sweety075$25.00$25.0010/13/2010 8:36:11 PM
lucrative-coin$62.84$62.8410/14/2010 11:23:58 AM
Astyanax$150.00$150.0010/14/2010 12:22:23 PM
grampy48$50.00$50.0010/14/2010 2:19:53 PM
outofoffice$75.00$75.0010/14/2010 2:58:22 PM
gain-aspen$25.00$25.0010/14/2010 6:52:08 PM
gogrannygo$25.00$25.0010/14/2010 6:31:44 PM
Kessler$25.77$25.7710/15/2010 1:23:25 AM
atkemom$25.00$25.0010/15/2010 6:31:32 AM
trustworthy-finance6$150.00$150.0010/15/2010 7:14:38 AM
Veiglcc$25.00$25.0010/15/2010 4:37:37 AM
eprometheus$51.00$51.0010/15/2010 7:07:54 AM
DoctorJoe$25.00$25.0010/15/2010 5:18:51 AM
unafraid-loan5$31.20$31.2010/15/2010 9:38:52 AM
manatee21$80.00$80.0010/15/2010 10:54:23 AM
dgagli1$30.24$30.2410/15/2010 7:26:50 AM
Dollars4Rent$25.00$25.0010/15/2010 8:08:18 AM
loyalist1$100.00$100.0010/15/2010 8:41:56 AM
zztopdog$25.00$25.0010/15/2010 8:57:08 AM
Whitewater_Loans$75.00$75.0010/15/2010 11:36:12 AM
amlu1988$25.00$25.0010/15/2010 11:47:04 AM
ChoiceInvestments$25.00$25.0010/15/2010 12:11:25 PM
myduck$50.00$50.0010/15/2010 12:17:10 PM
NickRac$30.00$30.0010/15/2010 1:50:18 PM
yu-rik$75.00$75.0010/15/2010 1:56:16 PM
DasMula$25.00$25.0010/15/2010 2:52:17 PM
AM2171$25.00$25.0010/15/2010 3:04:28 PM
runbix7$25.00$25.0010/15/2010 12:47:13 PM
p2ploan-sensation211$50.00$50.0010/15/2010 2:27:52 PM
social-zebra$25.00$25.0010/15/2010 1:32:41 PM
RecoveryLender$25.00$25.0010/15/2010 3:09:36 PM
rangers94$25.00$25.0010/8/2010 3:19:02 PM
enthusiastic-balance5$100.00$100.0010/8/2010 3:30:15 PM
euro-deployment$25.00$25.0010/8/2010 9:51:10 PM
Barrayaran$25.00$25.0010/8/2010 10:27:40 PM
rmpedi33$100.00$100.0010/10/2010 9:58:26 AM
Simply2fly$25.00$25.0010/9/2010 6:05:38 PM
lendstats_com$200.00$200.0010/9/2010 9:01:37 PM
JeramyU$25.00$25.0010/10/2010 9:29:23 AM
Slapshot$114.15$114.1510/10/2010 10:33:16 PM
jchurchi$100.00$100.0010/11/2010 7:32:51 AM
MonkeyHero$25.00$25.0010/11/2010 8:26:30 AM
2Below$50.00$50.0010/11/2010 4:25:00 PM
william8$30.00$30.0010/11/2010 6:30:03 PM
arenangelchild$25.00$25.0010/12/2010 6:07:56 AM
usedtoborrow$100.00$100.0010/12/2010 6:28:21 AM
investment-artist$25.00$25.0010/12/2010 9:54:51 AM
preventivepestcontrol$75.00$75.0010/12/2010 11:15:59 AM
Jinja$39.90$39.9010/12/2010 1:05:07 PM
well-rounded-return3$100.00$100.0010/12/2010 3:48:35 PM
kander80$50.00$50.0010/12/2010 6:17:47 PM
Aberdeen$400.00$400.0010/13/2010 1:18:55 AM
TakeCare$50.00$50.0010/13/2010 6:18:06 AM
convergentthinker$25.00$25.0010/12/2010 9:43:39 PM
atomantic$50.00$50.0010/13/2010 10:18:12 AM
OoM$25.00$25.0010/13/2010 10:35:04 PM
hidavehi$77.00$77.0010/13/2010 5:04:39 PM
Jinja$40.00$40.0010/13/2010 5:06:59 PM
JohnQGalt$25.00$25.0010/14/2010 12:09:32 PM
SuperInvestor82$25.00$25.0010/14/2010 4:30:00 PM
value-squirrel3$50.00$50.0010/14/2010 7:41:53 PM
the-kindness-honker$25.00$25.0010/14/2010 9:56:15 PM
BankofBeth$25.00$25.0010/14/2010 4:49:52 PM
LittleMingo$30.00$30.0010/14/2010 4:54:58 PM
Soulphoniks-Holdings$25.00$25.0010/14/2010 4:59:18 PM
tuxedo76$25.00$25.0010/14/2010 8:28:21 PM
velocity-winner$25.00$25.0010/14/2010 5:54:56 PM
Free-the-usa-1776$25.00$25.0010/14/2010 10:33:58 PM
Feyenoord$25.00$25.0010/14/2010 9:12:18 PM
nethawk00$25.00$25.0010/15/2010 6:59:36 AM
alpinaut$25.00$25.0010/15/2010 5:18:29 AM
Sturgee$25.00$25.0010/15/2010 8:00:21 AM
CaliforniaSun$25.00$25.0010/15/2010 9:31:42 AM
lively-exchange$25.00$25.0010/15/2010 9:38:55 AM
Bidwinner08$54.65$54.6510/15/2010 8:04:41 AM
wlm3012$25.00$25.0010/15/2010 8:55:55 AM
brightest-dignified-penny$25.00$25.0010/15/2010 10:31:00 AM
CashBank$25.00$25.0010/15/2010 9:24:29 AM
biofred$25.00$25.0010/15/2010 10:12:48 AM
vigilance-searcher$25.00$25.0010/15/2010 10:31:17 AM
djlucas$50.93$50.9310/15/2010 10:00:02 AM
friendinmoney$25.00$25.0010/15/2010 12:15:48 PM
thankful-nickel2$25.00$25.0010/15/2010 10:23:30 AM
Bobtep23$150.00$150.0010/15/2010 2:10:08 PM
Long-term2040$25.00$25.0010/15/2010 11:26:42 AM
JBG$25.00$25.0010/15/2010 12:53:53 PM
seatown7$58.82$58.8210/15/2010 12:26:24 PM
moneytolend72$25.00$25.0010/15/2010 12:32:15 PM
KSPHoldings$25.00$25.0010/15/2010 2:49:36 PM
Loan-Mart$50.00$50.0010/15/2010 2:50:27 PM
radiant-cash0$55.00$55.0010/15/2010 3:01:08 PM
engaging-worth$25.00$25.0010/15/2010 3:11:45 PM
jlendog$98.50$98.5010/15/2010 2:17:13 PM
peso-fortress$25.00$25.0010/15/2010 2:24:53 PM
blue-useful-auction$25.00$25.0010/15/2010 2:32:58 PM
120 bids
 
Borrower Payment Dependent Notes Series 417516
This series of Notes was issued and sold upon the funding of the borrower loan #44853, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8% Auction start date:  Sep-28-2010 
  Auction end date:  Oct-05-2010 
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $148.65
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 22.37% Final monthly payment: $146.62
 
Auction yield range: 10.79% - 19.00% Estimated loss impact: 10.22%  
Lender servicing fee: 1.00% Estimated return: 7.78%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:11y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,438Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: Castlewall Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 41 ( 100% ) 740-759 (Latest)
Principal borrowed: $17,275.00< 31 days late: 0 ( 0% )  
680-699 (Aug-2008)
720-739 (Dec-2007)
 
Principal balance: $4,202.84 31+ days late: 0 ( 0% )
Total payments billed: 41  
Description
Refi Prosper Loan. 3rd Prosper Loan
Purpose of loan: The purpose of this loan is to refinance my current prosper loan in order to lower my interest rate and payment. I just paid my first Prosper loan in full. Please look at my prosper payment history, your money is very safe here. Thanks!
My financial situation: I am a good candidate for this loan because I pay all my obligations on time every time, have no delinquencies, have good credit (750 score), and have a solid asset base. We own our home, have another as a rental, and have a fully rented 4-plex. We have businesses, lodging, and 3 pizza franchise locations. The Prosper loan that I am wanting to refinance was for new signs for our second pizza restaurant location. The signs are beautiful and effective! Many thanks to those who financed them for me! I'm really unhappy with the banks for being so stingy with funding right now, but I love Proper and am also a small time lender as well.
My income is $7000 or more per month.

Mortgage $1400 + $160 heloc
Auto loan is $450
1st Prosper loan is paid in full
2nd Prosper loan will be paid in full by this loan.
Groceries $275
Utilities $225
Insurances $300
Credit cards $500

$3800 Current monthly expenses

Thank you so much for considering funding my?loan, it will help?me to achieve?these goals much faster!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CA_Lender$25.00$25.009/28/2010 2:48:51 PM
MoneyForNothing$45.71$45.719/28/2010 6:23:08 PM
enthusiastic-balance5$100.00$100.009/29/2010 10:06:58 AM
lendstats_com$200.00$200.009/30/2010 6:16:56 PM
sflash$25.00$25.009/30/2010 6:29:52 PM
penny-plato$25.00$25.0010/1/2010 4:25:06 PM
preventivepestcontrol$50.00$50.0010/1/2010 10:20:19 PM
exchange-dreams$25.00$25.0010/2/2010 12:43:22 PM
EliteCapital$30.14$30.1410/4/2010 6:05:54 AM
fireman4$35.00$35.0010/4/2010 4:36:45 AM
loanman2007$200.00$200.0010/4/2010 5:00:23 AM
penny-plato$100.00$100.0010/4/2010 2:00:54 PM
shawnw2$500.00$209.5410/4/2010 6:40:42 PM
cti11$25.00$25.0010/4/2010 10:36:11 PM
noodles932$51.34$51.3410/4/2010 10:48:03 PM
420limo$25.75$25.7510/4/2010 11:49:59 PM
doopers$25.00$25.0010/4/2010 9:46:57 PM
Barrayaran$25.00$25.0010/5/2010 4:20:33 AM
portfolio-turbine$25.00$25.0010/5/2010 4:47:46 AM
seineil$25.00$25.0010/5/2010 1:29:21 AM
Aberdeen$400.00$400.0010/5/2010 1:31:36 AM
Aberdeen$185.58$185.5810/5/2010 1:31:43 AM
debt-legend$25.00$25.0010/5/2010 7:38:10 AM
RecoveryLender$25.00$25.0010/5/2010 8:06:27 AM
DasMula$25.00$25.0010/5/2010 8:08:38 AM
whatreality$25.00$25.0010/5/2010 9:02:47 AM
onecooldrink$25.00$25.0010/5/2010 9:17:26 AM
theloanfiller$25.00$25.0010/5/2010 5:28:32 AM
LittleMingo$32.20$32.2010/5/2010 9:37:16 AM
NickRac$25.00$25.0010/5/2010 7:53:39 AM
Bcs-cnc$200.00$200.0010/5/2010 8:33:11 AM
friendinmoney$35.00$35.0010/5/2010 9:02:57 AM
feb217$40.00$40.0010/5/2010 1:34:16 PM
jybank$25.00$25.0010/5/2010 12:46:31 PM
Steffy1976$25.00$25.0010/1/2010 7:06:21 AM
Galdis$25.00$25.0010/2/2010 6:37:36 AM
bambampk$50.00$50.0010/2/2010 11:44:16 AM
Astyanax$150.00$150.0010/4/2010 10:20:45 AM
worthy-commitment7$35.00$35.0010/4/2010 4:31:36 PM
estancias$25.00$25.0010/4/2010 5:00:38 PM
dinero-vista2$50.00$50.0010/4/2010 5:11:37 PM
economy-popcorn$25.00$25.0010/4/2010 5:48:06 PM
wlm3012$25.00$25.0010/4/2010 6:52:05 PM
dynamic-platinum$50.00$50.0010/4/2010 6:56:44 PM
Moe87$25.00$25.0010/4/2010 4:50:27 PM
chrisb4745$27.79$27.7910/4/2010 5:24:36 PM
payout-reaction740$25.00$25.0010/4/2010 8:16:04 PM
silvercertificate$25.00$25.0010/4/2010 7:59:37 PM
MattProsper$70.00$70.0010/4/2010 8:59:21 PM
Socorro_Capital_Partners$25.00$25.0010/5/2010 12:47:21 AM
Mikale360$25.00$25.0010/5/2010 6:47:59 AM
benefit-javelin$30.73$30.7310/5/2010 6:50:39 AM
FinanceEngine$30.00$30.0010/5/2010 7:49:52 AM
mhotchan$108.18$108.1810/5/2010 7:38:21 AM
Caidin$25.00$25.0010/5/2010 7:51:39 AM
santhana$50.00$50.0010/5/2010 2:11:38 AM
calm-platinum8$25.00$25.0010/5/2010 8:37:25 AM
LoanerPrincipal$50.00$50.0010/5/2010 4:03:58 AM
draggon77$25.00$25.0010/5/2010 6:31:42 AM
EliteCapital$25.94$25.9410/5/2010 9:45:00 AM
CaliforniaSun$25.00$25.0010/5/2010 10:01:30 AM
HenlopenCapital$25.00$25.0010/5/2010 7:34:10 AM
california5andime$25.00$25.0010/5/2010 10:41:01 AM
umwol13$25.00$25.0010/5/2010 11:10:35 AM
Leopoldine$25.03$25.0310/5/2010 8:34:16 AM
Feyenoord$25.00$25.0010/5/2010 8:43:13 AM
simiray$30.00$30.0010/5/2010 10:15:45 AM
lucrative-coin$76.02$76.0210/5/2010 11:37:32 AM
rustysailor$25.00$25.0010/5/2010 12:15:57 PM
golffish2$100.00$100.0010/5/2010 10:00:39 AM
grampy48$25.00$25.0010/5/2010 2:12:05 PM
JGuide$26.05$26.0510/5/2010 2:13:49 PM
first-liberty-duckling$50.00$50.0010/5/2010 2:15:18 PM
EretzCapital$25.00$25.0010/5/2010 2:16:10 PM
brightest-dignified-penny$25.00$25.0010/5/2010 10:56:29 AM
runbix7$25.00$25.0010/5/2010 1:12:42 PM
grampy48$25.00$25.0010/5/2010 1:59:42 PM
77 bids
 
Borrower Payment Dependent Notes Series 467482
This series of Notes was issued and sold upon the funding of the borrower loan #44864, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2% Auction start date:  Oct-06-2010 
  Auction end date:  Oct-11-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $179.48
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $179.48
 
Auction yield range: 13.71% - 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: May-2005 Debt/Income ratio: Not calculated
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 10 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,704Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: SRinNYC Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off expenses
I am attempting to get a loan to start saving for my wedding and lowering the balances on two of my credit cards to improve my balance to limit ratio and improve my overall credit score. It is not bad now, but I would like it to get even better. I have not made a late payment or missed a payment on any line of credit. I currently have monthly expenses of about $1,000 and take home around $650 per week. Thank you for your time and if you have any questions, please feel free to ask.
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 are your current monthly credit card payments? - impressive-openness7
A: Minimums are around $500 but I usually try to do more than that. (Oct-08-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
sfmf$25.00$25.0010/6/2010 2:24:18 PM
moola-wildebeest3$25.00$25.0010/6/2010 2:35:39 PM
natural-greenback6$25.00$25.0010/6/2010 3:17:07 PM
dollardave$100.00$100.0010/6/2010 9:47:51 PM
noble-revenue$50.00$50.0010/7/2010 8:08:11 AM
Artist_Blue$25.00$25.0010/7/2010 12:20:54 PM
6moonbeams$25.00$25.0010/7/2010 12:10:02 PM
kulender$89.14$89.1410/8/2010 2:29:04 PM
simplelender80$250.00$250.0010/8/2010 2:35:47 PM
all_of_that_one$40.00$40.0010/8/2010 2:36:37 PM
bold-shrewd-duty$50.00$50.0010/8/2010 2:45:01 PM
SolarMoonshine$25.00$25.0010/8/2010 5:46:45 PM
nodebt2012$25.00$25.0010/8/2010 7:43:17 PM
HelpfulLender1$25.00$25.0010/9/2010 7:32:59 AM
Sudoku$150.00$150.0010/9/2010 5:09:49 AM
loss-of-control$50.00$50.0010/10/2010 3:03:58 PM
Amber_Stone$25.00$25.0010/10/2010 7:56:32 AM
unger$50.00$50.0010/10/2010 10:24:08 PM
Papa_Mema$50.00$50.0010/10/2010 6:48:54 PM
capital-galaxy$125.00$125.0010/11/2010 1:57:27 PM
contract-happiness1$25.00$25.0010/11/2010 2:59:01 PM
papaloha$25.00$25.0010/6/2010 2:27:35 PM
ingenious-deal6$25.00$25.0010/6/2010 2:34:02 PM
handshake5$100.00$100.0010/6/2010 2:33:07 PM
bid-czar8$25.00$25.0010/6/2010 2:33:16 PM
AlexTrep$50.00$50.0010/6/2010 2:38:17 PM
agiovasil$25.00$25.0010/6/2010 3:09:40 PM
lendstats_com$200.00$200.0010/7/2010 11:40:24 PM
rescue$61.99$61.9910/8/2010 2:35:51 PM
graceful-investment$100.00$100.0010/8/2010 2:36:31 PM
timepassport$25.00$25.0010/8/2010 2:44:29 PM
impressive-openness7$25.00$25.0010/8/2010 4:03:39 PM
jubilant-agreement0$25.00$25.0010/9/2010 2:49:07 AM
beaker$25.00$25.0010/9/2010 7:23:11 AM
b-rent$25.00$25.0010/10/2010 1:40:27 PM
CashFlow13$1,500.00$1,500.0010/10/2010 10:04:30 PM
silver-parsec$25.00$25.0010/11/2010 2:21:00 AM
consummate-loyalty1$100.00$100.0010/10/2010 1:40:20 PM
loss-of-control$50.00$50.0010/10/2010 3:03:29 PM
villagers$25.00$25.0010/11/2010 6:23:49 AM
seanickson$30.00$30.0010/11/2010 8:35:00 AM
RoccoLoan$25.00$25.0010/11/2010 10:25:04 AM
the-determined-value$50.00$50.0010/10/2010 8:38:55 PM
numitor$50.00$50.0010/11/2010 3:01:19 PM
teller$50.00$50.0010/11/2010 3:06:53 PM
asiaratt$50.00$50.0010/11/2010 3:08:39 PM
barefootpaul$25.00$25.0010/11/2010 3:09:43 PM
life-is-great$50.00$3.8710/11/2010 3:13:55 PM
MarinLoans$25.00$25.0010/11/2010 3:12:45 PM
49 bids
 
Borrower Payment Dependent Notes Series 475720
This series of Notes was issued and sold upon the funding of the borrower loan #44859, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2% Auction start date:  Oct-07-2010 
  Auction end date:  Oct-14-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $336.52
 
Auction yield range: 13.71% - 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: Mar-1992 Debt/Income ratio: 30%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,063Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: loot-beeper4 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 credit cards
Purpose of loan:
This loan will be used to?pay off credit cards and get my life?back on track.?

My financial situation:
I am a good candidate for this loan because?I want to get ahead instead of being behind. I want my kids to have things in life I never had.

Monthly net income: $ 2100.00

Monthly expenses: $
??Housing: $ 1189.42
??Insurance: $ 461.00
??Car expenses: $ 0
??Utilities: $ 137
??Phone, cable, internet: $ 146.00
??Food, entertainment: $ 40
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 25000
??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: What are your monthly credit card payments currently? What will they be after paying down part of your debt with this loan? - impressive-openness7
A: Right now my credit card payments are $689.00 a month. With this loan hopefully It will be $332.00. I will be saving $300.00 a month and will use that money to start saving and paying off the loan quicker. (Oct-11-2010)
Q: Could you tell us the card name, balance, and interest rate of each card you plan on paying off with this loan? - noble-revenue
A: Visa, 800, 12%, Best Buy 2100.00 21%, Home Depot 2150.00 19%, Victoria Secret 9% 1500.00, Kohls 950.00 19% (Oct-13-2010)
Q: If this loan goes through, in the long run, it will cost you more money not less. Have you considered getting a loan for $2100 and accepting it if the rate falls below 20%. Also Prosper rates you as lower risk with smaller loans. - noble-revenue
A: I don't see how that is possible because I am paying more because I am only paying the minium to get by every month. So I can put food on the Table for my 3 kids and make sure that they have clothes. (Oct-13-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AlexTrep$50.00$50.0010/7/2010 2:41:44 PM
ingenious-deal6$25.00$25.0010/7/2010 2:41:57 PM
handshake5$100.00$100.0010/7/2010 2:48:19 PM
agiovasil$25.00$25.0010/7/2010 2:49:02 PM
moola-wildebeest3$25.00$25.0010/7/2010 2:50:52 PM
papaloha$25.00$25.0010/7/2010 2:40:02 PM
ethicalhumanist$25.00$25.0010/7/2010 2:44:28 PM
noble-revenue$50.00$50.0010/7/2010 2:57:17 PM
MikeyZ2008$50.00$50.0010/8/2010 1:38:56 PM
bold-shrewd-duty$50.00$50.0010/9/2010 1:33:23 PM
graceful-investment$25.00$25.0010/10/2010 1:39:38 PM
kulender$54.02$54.0210/11/2010 9:42:49 AM
simplelender80$52.55$52.5510/11/2010 9:43:07 AM
rescue$32.41$32.4110/11/2010 12:49:23 PM
villagers$25.00$25.0010/11/2010 3:13:31 PM
impressive-openness7$25.00$25.0010/12/2010 6:27:14 AM
soulful-truth$1,000.00$1,000.0010/12/2010 3:54:51 AM
whatknows$25.00$25.0010/12/2010 11:48:55 AM
preventivepestcontrol$25.00$25.0010/12/2010 11:41:41 AM
gallant-economy9$400.00$400.0010/12/2010 3:04:55 PM
beaker$25.00$25.0010/12/2010 3:14:50 PM
life-is-great$50.00$50.0010/12/2010 3:01:10 PM
networks4ever$25.00$25.0010/12/2010 3:17:21 PM
MarinLoans$25.00$25.0010/12/2010 3:17:34 PM
108lender$100.00$100.0010/12/2010 3:18:02 PM
escharfer$25.00$25.0010/12/2010 3:18:11 PM
richboy56$25.00$25.0010/12/2010 3:03:35 PM
icecoldcash$30.00$30.0010/12/2010 3:14:39 PM
IIP77$25.00$25.0010/12/2010 3:14:45 PM
barefootpaul$25.00$25.0010/12/2010 3:16:08 PM
worthy-bid8$25.00$25.0010/12/2010 5:23:06 PM
shrewd-peace7$25.00$25.0010/12/2010 4:53:25 PM
nilonc1$75.00$75.0010/12/2010 5:33:05 PM
DSFinancial$50.00$50.0010/12/2010 4:39:35 PM
commitment-symphony9$50.00$50.0010/12/2010 9:28:46 PM
ramsba$50.00$50.0010/12/2010 9:29:16 PM
Ocean713$44.63$44.6310/12/2010 9:29:26 PM
a-power-amigo$25.00$25.0010/12/2010 9:29:31 PM
credit-sycamore4$50.00$50.0010/12/2010 9:29:45 PM
simplewareinc$25.00$25.0010/12/2010 9:30:17 PM
julsal$50.00$50.0010/12/2010 9:30:22 PM
jo2y$25.00$25.0010/12/2010 10:37:47 PM
enriching-capital$25.00$25.0010/12/2010 9:29:17 PM
nodrivelpls$25.00$25.0010/12/2010 9:29:34 PM
gold-channel2$50.00$50.0010/12/2010 9:29:40 PM
ashot12$50.00$50.0010/12/2010 9:29:44 PM
retirementlady$25.00$25.0010/12/2010 9:30:01 PM
johnayan$50.00$50.0010/12/2010 9:30:49 PM
squarebob$25.00$25.0010/12/2010 6:31:26 PM
saffron4$25.00$25.0010/13/2010 1:43:09 AM
doc1$50.00$50.0010/13/2010 6:03:58 AM
hopeful-asset9$25.00$25.0010/12/2010 9:29:28 PM
debtcollector$25.00$25.0010/12/2010 9:29:46 PM
the-silver-blaster$50.00$50.0010/12/2010 9:30:12 PM
bill-mushroom$25.00$25.0010/12/2010 9:30:47 PM
F16Pilot$25.00$25.0010/13/2010 1:38:15 AM
runner262$25.00$25.0010/13/2010 4:23:13 AM
penny-plato$25.00$25.0010/13/2010 5:30:19 AM
Madmigel$32.00$32.0010/13/2010 9:40:10 AM
siuflightboy$50.00$50.0010/13/2010 9:44:23 AM
kegs$57.86$57.8610/13/2010 9:48:42 AM
nickel-hickory$25.00$25.0010/13/2010 10:14:14 AM
lend4life13$98.93$98.9310/13/2010 7:31:36 AM
credit-waterfall2$25.00$25.0010/13/2010 10:38:59 AM
wise-silver-wonder$25.00$25.0010/13/2010 9:42:29 AM
a-thoughtful-principal$30.67$30.6710/13/2010 12:58:16 PM
payout-mongoose$50.00$50.0010/13/2010 2:40:20 PM
momoney2lend$25.00$25.0010/13/2010 2:43:09 PM
spsavage$25.00$25.0010/13/2010 2:48:57 PM
EretzCapital$29.26$29.2610/13/2010 2:25:41 PM
jono9999$33.91$33.9110/13/2010 2:43:13 PM
cash-spark3$50.00$50.0010/13/2010 2:59:45 PM
officer8$25.00$25.0010/13/2010 2:49:27 PM
CO_Engineer$27.56$27.5610/13/2010 11:42:58 PM
DasMula$30.00$30.0010/13/2010 6:58:04 PM
HammerSmith$25.00$25.0010/13/2010 8:49:27 PM
bid-czar8$25.00$25.0010/7/2010 2:48:26 PM
natural-greenback6$25.00$25.0010/7/2010 8:54:06 PM
jleng$25.00$25.0010/8/2010 9:34:41 AM
HelpfulLender1$25.00$25.0010/9/2010 7:33:01 AM
Papa_Mema$50.00$50.0010/10/2010 6:49:02 PM
the-determined-value$25.00$25.0010/11/2010 9:43:02 AM
all_of_that_one$40.00$40.0010/11/2010 2:12:52 PM
consummate-loyalty1$100.00$100.0010/11/2010 3:13:11 PM
jubilant-agreement0$25.00$25.0010/11/2010 3:04:47 PM
teller$39.00$39.0010/11/2010 6:37:50 PM
b-rent$25.00$25.0010/11/2010 3:10:18 PM
Artist_Blue$25.00$25.0010/12/2010 6:08:12 AM
gentle-social0$25.00$25.0010/12/2010 9:33:41 AM
JAVEHE$50.00$50.0010/12/2010 10:29:19 AM
orange-influential-credit$54.00$54.0010/12/2010 12:23:08 PM
timepassport$25.00$25.0010/12/2010 12:36:18 PM
crenen139$25.00$25.0010/12/2010 10:29:47 AM
economy-producer$25.00$25.0010/12/2010 10:48:09 AM
contract-happiness1$25.00$25.0010/12/2010 2:59:32 PM
asiaratt$50.00$50.0010/12/2010 3:01:07 PM
numitor$50.00$50.0010/12/2010 3:01:50 PM
SLN-10$50.00$50.0010/12/2010 3:03:41 PM
head$25.00$25.0010/12/2010 3:14:42 PM
jubilant-auction5$25.00$25.0010/12/2010 3:16:37 PM
asmithj$28.38$28.3810/12/2010 3:17:48 PM
circuitfive$25.00$25.0010/12/2010 3:18:06 PM
S-Master$50.00$50.0010/12/2010 3:14:56 PM
musegaze$100.00$100.0010/12/2010 3:04:08 PM
radiant-loan5$100.00$100.0010/12/2010 4:02:46 PM
irrelevant$25.00$25.0010/12/2010 4:48:17 PM
shrewd-truth1$25.00$25.0010/12/2010 9:29:22 PM
funfamilyX4$25.00$25.0010/12/2010 9:29:29 PM
newest-inspiring-power$25.00$25.0010/12/2010 9:29:35 PM
Jloaner$46.60$46.6010/12/2010 10:09:37 PM
Comoparklender$45.73$45.7310/12/2010 9:28:54 PM
platytanz$25.00$25.0010/12/2010 9:29:27 PM
cybernosha$25.00$25.0010/12/2010 9:29:47 PM
seisen$52.37$52.3710/12/2010 9:29:59 PM
calkidd05$25.00$25.0010/12/2010 9:30:08 PM
larrybird$150.00$150.0010/12/2010 9:30:13 PM
bountiful-durability$100.00$100.0010/12/2010 9:30:50 PM
safe-velocity4$25.00$25.0010/12/2010 10:37:48 PM
tidy-generosity$25.00$25.0010/13/2010 1:43:12 AM
Brainworm$25.00$25.0010/13/2010 1:54:17 AM
generous-deal6$25.00$25.0010/12/2010 7:57:53 PM
kain11286$95.88$95.8810/13/2010 6:03:54 AM
Speculator$50.00$50.0010/12/2010 9:29:10 PM
BeanCownter$25.00$25.0010/12/2010 9:29:25 PM
burrito6$25.00$25.0010/13/2010 1:43:17 AM
JoyfulVegetarian$25.00$25.0010/13/2010 6:03:56 AM
ferocious-exchange3$50.00$50.0010/13/2010 9:48:44 AM
CC911$25.00$25.0010/13/2010 6:07:48 AM
important-openness1$40.54$40.5410/13/2010 9:48:41 AM
LendingService$53.77$53.7710/13/2010 9:30:26 AM
TakeCare$60.00$60.0010/13/2010 10:54:25 AM
youthful-greenback3$25.00$25.0010/13/2010 2:40:30 PM
inventive-exchange$25.00$25.0010/13/2010 2:42:56 PM
KiwiElf$30.00$30.0010/13/2010 2:43:17 PM
AF-Chief$35.00$35.0010/13/2010 11:22:46 AM
FASTIZIO_P$25.00$25.0010/13/2010 11:28:46 AM
famous-bill$25.00$25.0010/13/2010 12:32:52 PM
Trevor_C$25.00$25.0010/13/2010 1:25:20 PM
1nvest$25.00$25.0010/13/2010 2:49:00 PM
anton$500.00$500.0010/13/2010 2:18:37 PM
a-successful-credit$25.00$25.0010/13/2010 2:57:19 PM
moola-disk$25.00$25.0010/13/2010 2:43:16 PM
peace-saber0$25.00$25.0010/13/2010 2:59:25 PM
MissionMicroFinance$25.00$25.0010/13/2010 2:47:18 PM
bulsa$50.00$44.9310/13/2010 2:49:30 PM
realtormoises$25.00$25.0010/13/2010 2:51:15 PM
Isotope$25.00$25.0010/13/2010 4:50:52 PM
unger$55.00$55.0010/13/2010 7:51:07 PM
green-breathtaking-payment$25.00$25.0010/13/2010 8:13:48 PM
larryboy10$25.00$25.0010/13/2010 6:11:30 PM
bsmtloan$75.00$75.0010/14/2010 5:06:08 AM
151 bids
 
Borrower Payment Dependent Notes Series 477774
This series of Notes was issued and sold upon the funding of the borrower loan #44866, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2% Auction start date:  Oct-04-2010 
  Auction end date:  Oct-11-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $336.52
 
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-1999 Debt/Income ratio: 36%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,415Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: pound-bearer Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to pay off the outstanding loan on my 401k. I will then have over $60,000.00 vested in the 401k, of which I will borrow up to $30,000.00 and immediately pay off this loan and some high interest rate debt. This will help reduce my revolving credit balance and restore some sanity to my monthly billing cycle. The monthly payments to my own 401k will then be invested on my behalf, while also having a much lower rate than I currently enjoy.
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- I was wondering if you could explain the $20,000 that you owe. Thank you- - diversification-maple1
A: I owe $9,140.00 on a 401k loan that I want to repay so that I can borrow $30,000.00 from the vested $62,000.00 in that account. I think that the money is safer in cash than the stock market right now. After repaying the Prosper loan the additional $20,000.00 will be used to pay off my auto loans and credit cards. (Oct-07-2010)
Q: If you are borrowing from your 401k to repay the Prosper loan, how long do you anticipate holding the Prosper loan? - suave-dime6
A: It can take up to six weeks to access the new funds from my 401k. I hope to pay off all my debt as soon as possible. Maybe one day I'll be on the lending side of this. (Oct-08-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AlexTrep$25.00$25.0010/4/2010 2:39:34 PM
handshake5$100.00$100.0010/4/2010 2:42:49 PM
bid-czar8$25.00$25.0010/4/2010 2:43:03 PM
villagers$25.00$25.0010/4/2010 2:49:06 PM
agiovasil$25.00$25.0010/4/2010 2:44:20 PM
moola-wildebeest3$50.00$50.0010/4/2010 2:50:22 PM
rescue$100.00$100.0010/4/2010 2:53:44 PM
graceful-investment$50.00$50.0010/4/2010 3:36:24 PM
simplelender80$250.00$250.0010/4/2010 3:38:19 PM
consummate-loyalty1$100.00$100.0010/4/2010 3:38:12 PM
contract-happiness1$25.00$25.0010/4/2010 5:27:44 PM
numitor$50.00$50.0010/5/2010 8:58:20 AM
S-Master$50.00$50.0010/5/2010 3:27:46 PM
irrelevant$25.00$25.0010/6/2010 1:14:46 PM
head$25.00$25.0010/6/2010 3:10:05 PM
jubilant-auction5$25.00$25.0010/6/2010 3:14:44 PM
icecoldcash$30.00$30.0010/6/2010 3:11:08 PM
escharfer$25.00$25.0010/6/2010 3:14:39 PM
musegaze$100.00$100.0010/6/2010 3:14:43 PM
jamiee73$25.00$25.0010/6/2010 7:02:58 PM
asiaratt$50.00$50.0010/7/2010 1:48:22 AM
cybernosha$25.00$25.0010/7/2010 7:53:33 AM
diversification-maple1$25.00$25.0010/7/2010 9:13:24 AM
MarinLoans$25.00$25.0010/7/2010 7:39:46 AM
bountiful-durability$100.00$100.0010/7/2010 12:09:26 PM
gold-channel2$50.00$50.0010/7/2010 9:53:09 AM
barefootpaul$25.00$25.0010/7/2010 9:57:53 AM
all_of_that_one$40.00$40.0010/7/2010 12:29:18 PM
simplewareinc$25.00$25.0010/7/2010 1:02:58 PM
blue-useful-auction$25.00$25.0010/7/2010 5:52:00 PM
AF-Chief$50.00$50.0010/7/2010 11:50:23 PM
fund-secret-agent$25.00$25.0010/8/2010 3:52:37 AM
radiant-loan5$25.00$25.0010/8/2010 10:07:49 AM
commitment-symphony9$50.00$50.0010/8/2010 9:34:03 AM
JoyfulVegetarian$25.00$25.0010/8/2010 12:57:43 PM
tidy-generosity$25.00$25.0010/8/2010 10:07:56 AM
payment-gusto$25.00$25.0010/8/2010 2:04:56 PM
SLN-10$50.00$50.0010/8/2010 2:07:54 PM
databaseguy$34.28$34.2810/8/2010 2:16:44 PM
Rdodson11$25.00$25.0010/8/2010 2:29:11 PM
new-social-economist$50.00$50.0010/8/2010 2:29:50 PM
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149 bids
 
Borrower Payment Dependent Notes Series 477864
This series of Notes was issued and sold upon the funding of the borrower loan #44862, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.2% Auction start date:  Oct-04-2010 
  Auction end date:  Oct-11-2010 
 
Starting lender yield: 9.80% Starting borrower rate/APR: 10.80% / 12.92% Starting monthly payment: $277.47
Final lender yield: 9.80% Final borrower rate/APR: 10.80% / 12.92% Final monthly payment: $277.47
 
Auction yield range: 3.79% - 9.80% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1998 Debt/Income ratio: 8%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,226Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: unimike Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 18 ( 90% ) 720-739 (Latest)
Principal borrowed: $1,850.00< 31 days late: 2 ( 10% )  
620-639 (Sep-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
To Pay for Critical House Repairs
Purpose of loan:
This loan will be used pay for critical repairs for my house

My financial situation:
I am a good candidate for this loan because I take my financial health very seriously.? As you can see, my credit has improved dramatically since the start of my first Prosper loan.? I only have very limited funds available to fix whatever my house needs.? If I don't get this Prosper loan, I will have to postpone the repairs until I have enough money saved up.

Monthly net income: $ ~3150

Monthly expenses: $ ~2280
??Housing: $ 1300 (This loan will pay off 2nd mortgage and new balance will be $1080)
??Insurance: $ 120
??Car expenses: $80
??Utilities: $ 250
??Phone, cable, internet: $ 90
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 125
??Other expenses: $ 150

This shows balance available of approximately $610 after this Prosper Loan.? Your assistance will be greatly appericated as you will be helping me to repair air leaks on my house as it will save me in upcoming winter heating bills.

Thank you for your time and 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: Why were you late twice on your monthly payments? thanks. - jpblan11
A: Hi, thanks for your interest. This occured when I was changing banks. The automatic draft never got updated. This didnt stop me from paying the loan off. As you can see, my first prosper loan is completely paid off. Thanks! (Oct-07-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rescue$50.00$50.0010/4/2010 2:38:41 PM
authentic-liberty7$50.00$50.0010/4/2010 2:39:18 PM
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loanman2007$50.00$50.0010/10/2010 12:51:19 PM
tomdooley12520$25.00$25.0010/11/2010 8:16:41 AM
rdrloan$39.00$39.0010/10/2010 8:12:42 PM
socal-lender$25.00$25.0010/10/2010 8:12:53 PM
yield-quest$150.00$150.0010/11/2010 1:00:58 PM
grampy48$25.00$25.0010/11/2010 1:50:29 PM
Astyanax$75.00$75.0010/11/2010 1:58:36 PM
loyalist1$100.00$100.0010/11/2010 2:01:30 PM
ManhattanLender$50.00$50.0010/11/2010 8:59:50 AM
market-pudding$25.00$25.0010/11/2010 11:22:52 AM
EretzCapital$41.60$41.6010/11/2010 11:45:51 AM
Chesterite$50.00$50.0010/11/2010 11:55:36 AM
187 bids
 
Borrower Payment Dependent Notes Series 477894
This series of Notes was issued and sold upon the funding of the borrower loan #44846, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8% Auction start date:  Oct-04-2010 
  Auction end date:  Oct-10-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $205.47
 
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: Sep-2006 Debt/Income ratio: 20%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 10 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,221Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: sunny-agreement3 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
Auto Repairs
Purpose of loan:
This loan will be used to pay off credit card bills, due to a couple of unforeseen expenses. Also it will leave me with a little emergency cash in the event I need it again.

My financial situation:
I handle my finances very well, have to get a couple car repairs done and don't have the money to do so at the moment. This loan would allow me to catch up and have a little cushion that I had prior to these bill.

Monthly net income: $ 2300

Monthly expenses: $ 1408
??Housing: $ 830
??Insurance: $ 170
??Car expenses: $188
??Utilities: $ 100
??Phone, cable, internet: $50
??Food, entertainment: $ 50
??Clothing, household expenses $ 20
??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: Why did you withdraw a previously funded loan? - Trakissta
A: I realized I needed more than previously thought. Since I couldn't simply raise my loan, I had to withdraw and start a new one. (Oct-04-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bid-czar8$25.00$25.0010/4/2010 2:43:08 PM
sfmf$25.00$25.0010/4/2010 2:39:12 PM
tech310$50.00$50.0010/4/2010 2:39:42 PM
handshake5$100.00$100.0010/4/2010 2:42:53 PM
moola-wildebeest3$25.00$25.0010/4/2010 2:50:35 PM
natural-greenback6$25.00$25.0010/4/2010 2:51:30 PM
AlexTrep$50.00$50.0010/4/2010 3:51:04 PM
rescue$100.00$100.0010/4/2010 3:40:54 PM
graceful-investment$100.00$100.0010/4/2010 3:52:46 PM
papaloha$25.00$25.0010/5/2010 3:03:24 AM
consummate-loyalty1$100.00$100.0010/5/2010 2:59:31 PM
Trakissta$150.00$150.0010/5/2010 9:06:54 PM
diversification-maple1$25.00$25.0010/6/2010 12:56:23 AM
mercuriant$25.00$25.0010/6/2010 1:13:59 AM
jubilant-agreement0$25.00$25.0010/6/2010 9:49:13 AM
S-Master$50.00$50.0010/6/2010 3:13:09 PM
asiaratt$50.00$50.0010/7/2010 1:48:29 AM
blue-useful-auction$25.00$25.0010/7/2010 8:59:51 AM
MarinLoans$25.00$25.0010/7/2010 12:11:04 PM
thrifty-capital$25.00$25.0010/7/2010 12:19:30 PM
Comoparklender$40.00$40.0010/7/2010 12:20:41 PM
well-mannered-income3$70.00$70.0010/7/2010 2:54:13 PM
life-is-great$50.00$50.0010/7/2010 4:40:21 PM
Pu239$60.00$60.0010/7/2010 6:50:37 PM
timepassport$25.00$25.0010/7/2010 11:31:40 PM
bold-attentive-listing$25.00$25.0010/8/2010 9:00:42 AM
Cromag$25.00$25.0010/8/2010 9:01:44 AM
musegaze$40.31$40.3110/8/2010 2:05:35 PM
escharfer$25.00$25.0010/8/2010 2:05:17 PM
head$25.00$25.0010/8/2010 2:29:08 PM
oldmora$50.00$50.0010/8/2010 2:32:35 PM
julsal$50.00$50.0010/8/2010 2:34:51 PM
the-silver-blaster$50.00$50.0010/8/2010 2:36:55 PM
bbrinck$31.60$31.6010/8/2010 2:57:53 PM
gold-channel2$50.00$50.0010/8/2010 2:33:09 PM
JoyfulVegetarian$25.00$25.0010/8/2010 2:36:58 PM
bold-shrewd-duty$50.00$50.0010/8/2010 2:44:41 PM
the-stylish-euro$25.00$25.0010/8/2010 4:04:10 PM
teller$50.00$50.0010/8/2010 7:42:45 PM
GeorgiaGator$25.00$25.0010/8/2010 4:08:16 PM
loan-adventurer7$36.00$36.0010/9/2010 12:19:18 AM
SqueezeKing$25.00$25.0010/9/2010 2:32:35 AM
cash-spark3$46.79$22.0910/9/2010 3:00:39 AM
realtormoises$25.00$25.0010/9/2010 11:08:20 AM
courteous-kindness1$50.00$50.0010/9/2010 1:08:12 PM
cclady$50.00$50.0010/9/2010 4:35:12 PM
padewy$25.00$25.0010/9/2010 12:52:49 PM
skillful-asset5$25.00$25.0010/10/2010 5:56:50 AM
fantastic-deal5$25.00$25.0010/9/2010 2:46:16 PM
squarebob$25.00$25.0010/9/2010 3:27:59 PM
squarebob$25.00$25.0010/9/2010 3:28:53 PM
wealth-equilibrium0$100.00$100.0010/10/2010 11:54:46 AM
proper-revenue7$25.00$25.0010/10/2010 4:30:58 PM
green-rapid-openness$50.00$50.0010/10/2010 4:40:42 PM
vine99$50.00$50.0010/10/2010 6:20:37 PM
seanickson$25.00$25.0010/10/2010 5:27:29 PM
autoconnection$25.00$25.0010/10/2010 6:27:27 AM
ingenious-deal6$25.00$25.0010/4/2010 2:45:01 PM
agiovasil$25.00$25.0010/4/2010 2:46:31 PM
hookUup$25.00$25.0010/4/2010 2:49:54 PM
6moonbeams$25.00$25.0010/4/2010 2:51:08 PM
kulender$25.00$25.0010/4/2010 3:00:24 PM
reflective-rupee$150.00$150.0010/4/2010 3:34:05 PM
beakerfish$50.00$50.0010/4/2010 6:43:55 PM
Uylsses$50.00$50.0010/4/2010 6:50:38 PM
b-rent$25.00$25.0010/4/2010 7:43:01 PM
simplelender80$250.00$250.0010/5/2010 2:25:30 PM
platinum-hunter7$25.00$25.0010/5/2010 7:53:49 PM
loan-adventurer7$25.00$25.0010/5/2010 11:42:48 PM
numitor$50.00$50.0010/6/2010 2:09:31 AM
SolarMoonshine$25.00$25.0010/6/2010 3:55:01 AM
villagers$50.00$50.0010/6/2010 3:15:58 PM
debtcollector$25.00$25.0010/6/2010 5:27:43 PM
loan-mammal$25.00$25.0010/6/2010 9:56:02 PM
irrelevant$25.00$25.0010/7/2010 1:40:38 AM
jubilant-auction5$25.00$25.0010/6/2010 9:53:35 PM
trade-goblin9$25.00$25.0010/7/2010 11:24:49 AM
JustMee$25.00$25.0010/7/2010 11:44:00 AM
cybernosha$25.00$25.0010/7/2010 12:11:05 PM
icecoldcash$25.00$25.0010/7/2010 12:19:42 PM
all_of_that_one$40.00$40.0010/7/2010 12:29:21 PM
scoobiedoo$25.00$25.0010/7/2010 1:04:34 PM
historic-nickel$25.00$25.0010/8/2010 12:32:54 AM
108lender$100.00$100.0010/8/2010 2:05:31 PM
commitment-symphony9$50.00$50.0010/8/2010 2:32:42 PM
newest-inspiring-power$25.00$25.0010/8/2010 2:34:28 PM
bountiful-durability$100.00$100.0010/8/2010 2:34:43 PM
saffron4$25.00$25.0010/8/2010 2:35:15 PM
radiant-loan5$100.00$100.0010/8/2010 2:35:43 PM
simplewareinc$25.00$25.0010/8/2010 2:36:00 PM
gallant-economy9$50.00$50.0010/8/2010 2:05:32 PM
tidy-generosity$25.00$25.0010/8/2010 2:36:28 PM
chemistry220$50.00$50.0010/8/2010 2:36:48 PM
SLN-10$50.00$50.0010/8/2010 2:07:56 PM
FinDoc$25.00$25.0010/8/2010 2:28:16 PM
ComputerSnack$50.00$50.0010/8/2010 2:54:27 PM
kain11286$100.00$100.0010/8/2010 2:35:54 PM
larrybird$150.00$150.0010/8/2010 2:36:41 PM
marwadi-62$50.00$50.0010/8/2010 3:19:11 PM
trumpeter5$50.00$50.0010/8/2010 6:21:01 PM
skaught$30.00$30.0010/9/2010 7:02:57 AM
Bob450$30.00$30.0010/9/2010 7:22:12 AM
leverage-monger$25.00$25.0010/9/2010 8:57:37 AM
oath163$50.00$50.0010/9/2010 11:22:31 AM
drsny66$25.00$25.0010/9/2010 4:30:26 AM
bankbuddy55$50.00$50.0010/9/2010 2:47:05 PM
unger$50.00$50.0010/9/2010 5:22:44 PM
squarebob$25.00$25.0010/9/2010 3:28:15 PM
octoberfresh$25.00$25.0010/10/2010 12:41:21 PM
FinanceEngine$25.00$25.0010/9/2010 11:27:41 PM
ethicalhumanist$25.00$25.0010/10/2010 5:27:27 PM
loan-upholder4$25.00$25.0010/10/2010 9:42:29 AM
green-rapid-openness$50.00$50.0010/10/2010 4:40:59 PM
113 bids
 
Borrower Payment Dependent Notes Series 478028
This series of Notes was issued and sold upon the funding of the borrower loan #44852, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,400.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3% Auction start date:  Oct-04-2010 
  Auction end date:  Oct-11-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $199.04
Final lender yield: 26.00% Final borrower rate/APR: 27.00% / 30.54% Final monthly payment: $179.63
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 19.80%  
Lender servicing fee: 1.00% Estimated return: 6.20%  
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-1989 Debt/Income ratio: 11%
Credit score: 620-639 (Sep-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:0y 6m
Amount delinquent: $303 Total credit lines: 13 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,086Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: databaseguy Borrower's state: NewHampshire Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 35 ( 95% ) 620-639 (Latest)
Principal borrowed: $4,340.00< 31 days late: 2 ( 5% )  
640-659 (Sep-2009)
600-619 (Aug-2009)
520-539 (Jun-2008)
520-539 (Nov-2007)
 
Principal balance: $1,105.52 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
Relist - Full Consolidation
My financial situation:

????One paid-off Prosper loan and one current (being paid off)

?????Low DTI ? more than adequate income to cover payments?

?????All Prosper loans are set up on auto-pay from my checking account

???? Consolidating all higher interest debt (this loan will be my only unsecured debt)

?????More than 20 years continuous employment in my field, recently?converted?from contract to salaried?so my official date of hire reset

I'm building new credit while repairing my problems from more than 6 years ago.? My credit score dropped back a little this summer?because I traded in my paid off 1998 Jeep for a 2005?and financed it. Still trying to remove one medical bill from my credit report? that went delinquent? during my move to the East coast - but original creditor has moved and the agency is waiting for OK to delete.? ? I?ve completed five IT certifications in the last year, plus my CAPM (Project Management) and hope to do four more in the next six months. I want to keep improving my skills to keep my income up and my job secure.

Purpose of Loan:

????Pay off all revolving balances - $ 1427

????Pay off prior prosper loan - $ 1106

????Career training ? MySQL training/certification and Software Quality certification (CSQA) - $ 1875

Monthly net income: $ 4980

Monthly expenses:

????????Housing: $ 900
????????Car expenses: $ 360
????????Phone, cable, internet: $ 132
????????Food, entertainment: $ 365
????????Clothing, household expenses $ 115
????????Insurance $ 67

????????Total expenses: ??? $ 1939

Amount remaining monthly to pay new Prosper loan: $ 3041

Thank you very much for reviewing my loan request!????
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, you just had a successful listing but it wasn't funded, why is that? Was there a problem with paperwork, etc? Also, can you explain why you've been late twice on a previous Prosper loan? - shawnw2
A: Prosper requested a utility bill on day 5 of the review period, and I faxed it that day. But day 7 fell on a Sunday (because I had ended it early), so the funding was going to slip through the cracks. I haven't moved or changed banks since my loan last October, so everything should be copasetic. As for the late payments they were auto withdrawals that had kicked out back when I was using my debit card more heavily. I turned them around in about 4 days. I think the last one was 18 months ago. (Oct-07-2010)
Q: you plan on automatic payments and possibly an early pay off - restless-dime
A: Yes to both! I'm glad Prosper is rating loans more conservatively, but my actual credit scores have gone up 100 points the last year, I signed on as an employee in April after 23 years of successful contracting, and my income is still increasing, so I'm not feeling like an HR! (Oct-08-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lendstats_com$200.00$200.0010/5/2010 9:59:37 AM
WonByOne$50.00$50.0010/7/2010 6:21:45 AM
labyrinth0$25.00$25.0010/9/2010 9:04:18 AM
ORcowboy$45.00$45.0010/9/2010 9:00:09 AM
doopers$50.00$50.0010/9/2010 10:42:51 AM
Kash2010lu$50.00$50.0010/9/2010 8:43:18 AM
Moe87$25.00$25.0010/10/2010 6:37:32 AM
carrinel$30.00$30.0010/10/2010 6:39:54 AM
tigercat$50.00$50.0010/10/2010 7:01:54 AM
RainyDayFunds$25.00$25.0010/10/2010 10:38:14 AM
FinanceEngine$30.00$30.0010/10/2010 11:41:48 PM
loanman2007$200.00$200.0010/10/2010 12:58:32 PM
Phatt-Daddy$25.00$25.0010/11/2010 5:37:42 AM
credit-missile$25.00$25.0010/11/2010 8:05:37 AM
credit-missile$25.00$25.0010/11/2010 8:05:58 AM
credit-missile$25.00$25.0010/11/2010 8:06:42 AM
social-zebra$25.00$25.0010/11/2010 10:53:55 AM
Paxman84$25.00$25.0010/11/2010 6:08:13 AM
Whitewater_Loans$75.00$75.0010/11/2010 11:51:12 AM
atlas100$100.00$100.0010/11/2010 7:08:10 AM
fireferd$40.00$40.0010/11/2010 7:12:21 AM
lucrative-coin$50.00$50.0010/11/2010 1:55:36 PM
credit-missile$25.00$25.0010/11/2010 1:13:22 PM
american-investor$50.00$50.0010/11/2010 1:57:35 PM
bughead$25.00$25.0010/9/2010 10:01:58 AM
realtormoises$25.00$25.0010/9/2010 6:17:09 AM
G-Love$487.54$487.5410/9/2010 3:25:47 PM
realtormoises$25.00$25.0010/9/2010 2:48:32 PM
hillerod$25.00$25.0010/9/2010 12:41:37 PM
SolarMoonshine$50.00$50.0010/9/2010 1:34:25 PM
SouthernRemarketing$34.67$34.6710/10/2010 10:32:12 AM
shawnw2$800.00$800.0010/10/2010 9:45:15 PM
wlm3012$25.00$25.0010/10/2010 9:54:56 PM
penny-plato$25.00$25.0010/11/2010 7:07:04 AM
SkinnyFish$50.00$50.0010/10/2010 1:52:04 PM
minnesotafinancial$25.00$25.0010/11/2010 8:01:02 AM
BlueSharp$50.00$50.0010/10/2010 7:43:13 PM
Green-Baron$25.00$25.0010/11/2010 10:16:12 AM
Starfin-Capital-Management$500.00$500.0010/11/2010 1:21:26 PM
UCLA4life$50.00$50.0010/11/2010 1:44:09 PM
glroark$50.00$50.0010/11/2010 1:51:08 PM
credit-missile$25.00$25.0010/11/2010 8:06:19 AM
Leshan$66.66$66.6610/11/2010 8:29:07 AM
supreme-hope$25.00$25.0010/11/2010 2:26:54 PM
papaloha$1,500.00$490.3010/11/2010 1:12:31 PM
friendinmoney$40.83$40.8310/11/2010 1:56:07 PM
Astyanax$150.00$150.0010/11/2010 2:04:10 PM
red-favorable-basis$25.00$25.0010/11/2010 2:25:07 PM
money-fort$35.00$35.0010/11/2010 2:35:42 PM
49 bids
 
Borrower Payment Dependent Notes Series 478408
This series of Notes was issued and sold upon the funding of the borrower loan #44834, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,250.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5% Auction start date:  Oct-06-2010 
  Auction end date:  Oct-13-2010 
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $205.06
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $204.62
 
Auction yield range: 3.71% - 10.15% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.47%  
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-2002 Debt/Income ratio: 5%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 8 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $144Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: wealth-sequoia Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Emergency Roof Replacement
Purpose of loan:
This loan will be used to replace the roof on my home.? While I initially repaired the roof last winter, the leak has continued to be a consistent problem no matter the amount of rain we get.??After having a number of professional roofers take a look at the problem they urged me to replace the roof before winter set in because of the continued leak, and the rapid deterioration of the roofing material.? I have received multiple quotes for the replacement of?the roof and have a very competitive estimate.

My financial situation:
I am a good candidate for this loan because my wife and I both have good credit ratings, have never defaulted on a loan or debt, and we've recently completed Dave Ramsey's Financial Peace University and have been able to pay off more than $8,000 of our overall debt in the last year.? We have reviewed all possible alternatives in hopes of avoiding creating additional debt, but this is an emergency and needs to be taken care of immediately.? We are commited towards paying our debts in full.

My wife and I are both employed full time in secure jobs and have made provisions in our monthly budget to allow for on-time payment of this loan.? Our net monthly income is approximately $5,100.? After allocating our monthly payments for our mortgage, student loans, vehicles, credit cards and utilities, there is approximately $700 remaining each month to go towards repayment of debt.? Please consider our need and the urgency of this request as winter will soon be setting in.
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 are you and your wife's jobs? How long have you both in your line of duty? Would you please describe your jobs a little bit? Thanks, - p2ploan-sensation211
A: I am an Urban Planner and have worked for my company for just about 4 years. My wife is an Administrative Assistant and she has worked for her company for just over 3 years. (Oct-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Medops911$35.00$35.0010/6/2010 2:25:50 PM
meenan$25.00$25.0010/6/2010 2:32:28 PM
RandyL3$25.00$25.0010/6/2010 2:35:09 PM
lendingfrog$50.00$50.0010/6/2010 2:35:13 PM
Tech-Entrepreneur$25.00$25.0010/6/2010 5:23:46 PM
Bio-physicist$25.00$25.0010/6/2010 5:23:47 PM
gavinsp$25.00$25.0010/7/2010 10:20:19 AM
luckyldy$50.00$50.0010/7/2010 11:15:58 AM
minista$25.00$25.0010/7/2010 8:04:03 PM
eCapital$25.00$25.0010/7/2010 6:32:09 PM
debt-patriot$25.00$25.0010/7/2010 9:06:09 PM
lukeskywalkerkp$35.00$35.0010/7/2010 10:22:40 PM
Brown98$25.00$25.0010/7/2010 8:18:58 PM
elvisloans$25.00$25.0010/8/2010 6:19:30 AM
Edge-City$25.00$25.0010/7/2010 8:46:40 PM
fuzed$40.00$40.0010/8/2010 7:14:45 AM
interstellar$50.00$50.0010/8/2010 9:36:39 AM
JGONZ13850$25.00$25.0010/8/2010 12:30:17 PM
selector568$400.00$400.0010/8/2010 1:09:50 PM
AK49-JW$25.00$25.0010/8/2010 10:18:32 AM
FirstLender$25.00$25.0010/8/2010 10:37:26 AM
icecoldcash$100.00$100.0010/8/2010 7:18:05 PM
corndog4000$50.00$50.0010/8/2010 10:13:28 PM
wild_carrot$25.00$25.0010/9/2010 12:33:33 PM
MonkeyHero$25.02$25.0210/9/2010 2:29:44 PM
hoffspot$29.26$29.2610/11/2010 7:49:21 AM
KrisKringle$75.00$75.0010/10/2010 9:10:46 PM
credit-panda1$25.00$25.0010/11/2010 3:47:45 AM
EliteCapital$30.00$30.0010/11/2010 12:56:15 PM
aislinnn$25.00$25.0010/11/2010 1:28:06 PM
JMY1$25.00$25.0010/11/2010 8:18:27 AM
a-responsible-return$25.00$25.0010/11/2010 2:46:01 PM
patriot897$50.00$50.0010/11/2010 2:53:11 PM
SomebodysMom$58.35$58.3510/11/2010 9:58:54 AM
starry2001$25.00$25.0010/11/2010 3:18:44 PM
relierma$25.00$25.0010/11/2010 4:10:13 PM
edsmoney$100.00$100.0010/11/2010 4:12:23 PM
SV-AZ$25.00$25.0010/11/2010 7:25:19 PM
cclady$100.00$100.0010/11/2010 4:43:02 PM
wealth-samaritan2$25.00$25.0010/11/2010 6:13:42 PM
Planecourage$25.00$25.0010/11/2010 9:23:19 PM
fenn1987$25.00$25.0010/11/2010 9:40:36 PM
CreditBuilder2$50.00$50.0010/11/2010 10:35:42 PM
UncleSafety$50.00$50.0010/12/2010 9:47:18 AM
sadani$25.00$25.0010/12/2010 5:40:57 AM
CLMnCWC$25.00$25.0010/12/2010 9:51:24 AM
gogrannygo$25.00$25.0010/12/2010 8:47:39 AM
Whitewater_Loans$25.00$25.0010/12/2010 11:20:58 AM
JoeXB$25.00$25.0010/12/2010 12:17:18 PM
12Knocksinna$25.00$25.0010/12/2010 1:40:07 PM
ROCKLYVALE$50.00$50.0010/12/2010 1:02:28 PM
pilot1723$25.00$25.0010/12/2010 11:28:06 AM
A2D$73.74$73.7410/12/2010 3:30:08 PM
Nailman88$50.00$50.0010/12/2010 2:59:52 PM
merciful-yield$220.79$220.7910/12/2010 3:47:39 PM
usd1027$25.00$25.0010/12/2010 3:58:38 PM
nodebt2012$25.00$25.0010/12/2010 3:25:24 PM
blindtaxidriver$25.00$25.0010/12/2010 5:47:56 PM
crw1950$50.00$50.0010/12/2010 5:51:33 PM
squarebob$25.00$25.0010/12/2010 6:22:40 PM
squarebob$25.00$25.0010/12/2010 6:22:59 PM
friendinmoney$25.00$25.0010/12/2010 9:25:42 PM
newest-sensible-hope$50.00$50.0010/12/2010 5:47:55 PM
bill-booster5$25.00$25.0010/12/2010 6:48:37 PM
Charmart$25.00$25.0010/13/2010 3:06:17 AM
the_prince$100.00$100.0010/12/2010 8:32:37 PM
Digs$25.00$25.0010/13/2010 1:49:04 AM
ScottFinance$25.00$25.0010/13/2010 8:10:00 AM
credit-guard5$25.00$25.0010/13/2010 8:36:23 AM
BLUE300Z$25.00$25.0010/13/2010 8:37:30 AM
authentic-peace7$25.00$25.0010/13/2010 5:12:04 AM
Interloper$35.00$35.0010/13/2010 10:13:59 AM
oldman68$25.00$25.0010/13/2010 9:12:01 AM
market-pudding$25.00$25.0010/13/2010 9:23:27 AM
octoberfresh$25.00$25.0010/13/2010 10:25:52 AM
forthright-principal2$25.00$25.0010/13/2010 10:56:18 AM
SomebodysMom$82.15$82.1510/13/2010 9:51:13 AM
mgking007$25.00$25.0010/13/2010 9:52:17 AM
Dollars4Rent$25.00$25.0010/13/2010 10:47:24 AM
ethicalhumanist$50.00$50.0010/6/2010 2:25:09 PM
turbospeed$25.00$25.0010/6/2010 2:26:58 PM
natural-affluence4$25.00$25.0010/6/2010 2:32:29 PM
tech310$50.00$50.0010/6/2010 2:34:36 PM
citytreker$40.00$40.0010/6/2010 2:35:00 PM
tolerant-dinero2$25.00$25.0010/6/2010 2:35:26 PM
bicyclist2270$25.00$25.0010/6/2010 2:38:13 PM
GeorgiaGator$50.00$50.0010/6/2010 2:54:57 PM
RememberToForget$50.00$50.0010/7/2010 7:30:35 AM
respectful-integrity3$30.00$30.0010/7/2010 6:31:46 AM
JustMee$25.00$25.0010/7/2010 11:42:04 AM
rate-negotiator$25.00$25.0010/7/2010 11:49:47 AM
zenchef$50.00$50.0010/7/2010 12:29:32 PM
JAB$50.00$50.0010/7/2010 1:40:00 PM
Peterman$25.00$25.0010/7/2010 12:50:19 PM
wellnessnyc$100.00$100.0010/7/2010 1:24:44 PM
purplepotato$25.00$25.0010/7/2010 8:00:50 PM
euro-deployment$25.00$25.0010/8/2010 9:24:23 AM
EJO$25.00$25.0010/8/2010 1:12:43 PM
FinDoc$25.00$25.0010/8/2010 2:28:17 PM
katnmouse$25.00$25.0010/8/2010 2:51:31 PM
goldsun$25.00$25.0010/8/2010 8:16:13 PM
caring-hope2$50.00$50.0010/9/2010 7:33:27 AM
SAG$29.24$29.2410/9/2010 4:50:31 PM
interact$25.00$25.0010/9/2010 9:04:41 AM
DDPrime$50.00$50.0010/10/2010 9:59:35 AM
income-fortress$25.00$25.0010/10/2010 7:25:09 AM
cash-tent$25.00$25.0010/10/2010 10:14:21 AM
BeachWalkz$50.00$50.0010/10/2010 12:09:14 PM
doc1$100.00$100.0010/10/2010 7:17:37 AM
Lender0307$25.00$25.0010/10/2010 8:44:20 PM
Troutfinder$45.00$45.0010/11/2010 4:10:25 AM
improvman$25.00$25.0010/11/2010 12:54:07 PM
statenisland51$25.00$25.0010/11/2010 3:09:42 PM
repaymeplease$30.28$30.2810/11/2010 2:53:08 PM
TeamN$50.00$50.0010/11/2010 5:28:58 PM
dkmnygvr$50.00$50.0010/11/2010 3:32:56 PM
micloans$25.00$25.0010/11/2010 3:45:27 PM
wuscjim$36.60$36.6010/11/2010 5:15:24 PM
penny-finder$25.00$25.0010/11/2010 11:29:48 PM
dreamhope$25.00$25.0010/12/2010 7:22:36 AM
contract-high-five$25.00$25.0010/12/2010 9:58:25 AM
preventivepestcontrol$50.00$50.0010/12/2010 11:13:25 AM
focused-wampum$25.00$25.0010/12/2010 11:00:34 AM
yield-quest$200.00$85.3710/12/2010 12:10:02 PM
Occhy$25.00$25.0010/12/2010 2:39:34 PM
gothampark$25.00$25.0010/12/2010 4:54:11 PM
MoneyOps$25.00$25.0010/12/2010 5:11:48 PM
nbah123$50.00$50.0010/12/2010 5:04:29 PM
Techne_Funds_LLC$25.00$25.0010/12/2010 6:16:51 PM
gustavholstopus32$25.00$25.0010/12/2010 6:34:51 PM
yogi1975$25.00$25.0010/12/2010 6:56:35 PM
availableloan$25.00$25.0010/12/2010 5:48:17 PM
kander80$25.00$25.0010/12/2010 6:07:01 PM
Money_Hog$25.00$25.0010/12/2010 6:54:09 PM
Xaja$25.00$25.0010/12/2010 5:14:54 PM
PalmerTheEmbalmer$25.00$25.0010/13/2010 12:15:06 AM
78$30.00$30.0010/12/2010 5:36:46 PM
nad139$25.00$25.0010/12/2010 5:46:31 PM
FundMaker$25.00$25.0010/12/2010 10:17:53 PM
B-rad_the_Coug$25.00$25.0010/12/2010 10:23:45 PM
kristl$41.40$41.4010/12/2010 11:44:36 PM
Jeddy$25.00$25.0010/13/2010 12:52:11 AM
mjunlimited$50.00$50.0010/13/2010 4:25:16 AM
shadowflame_99$25.00$25.0010/13/2010 1:19:34 AM
TakeCare$40.00$40.0010/13/2010 6:04:28 AM
blissful-penny$264.80$264.8010/13/2010 1:14:05 AM
zbanker$45.00$45.0010/13/2010 8:03:19 AM
MoneyBag4366$25.00$25.0010/13/2010 9:14:34 AM
Jinja$30.00$30.0010/13/2010 4:43:57 AM
TBCapitol$50.00$50.0010/13/2010 6:45:29 AM
gdfp158$30.00$30.0010/13/2010 7:59:19 AM
notown$33.00$33.0010/13/2010 10:32:38 AM
proper-revenue7$25.00$25.0010/13/2010 9:40:39 AM
plumber87$25.00$25.0010/13/2010 9:43:56 AM
bonus-genius$50.00$50.0010/13/2010 10:38:10 AM
155 bids
 
Borrower Payment Dependent Notes Series 478494
This series of Notes was issued and sold upon the funding of the borrower loan #44854, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $180.94
 
Auction yield range: 16.71% - 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: Apr-1998 Debt/Income ratio: 16%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:8y 11m
Amount delinquent: $9,023 Total credit lines: 29 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $490Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: GD123 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
640-659 (Jul-2008)
 
Principal balance: $0.60 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Paying off medical bills
Purpose of loan:
This loan will be used to?Pay off the remainder of my wife's medical bills. Two years ago she had surgery to remove a large abdominal mass that was found six weeks after our fifth child was born. The Surgery?took a bad?turn due to many medical mistakes that resulted in several more surgeries, a long drawn out hospital stay, and lasting complications. So here we are stuck with lots of medical bills we never should have had, but we do and we're trying are best, but we?just need a way to get the bills consolidated to one payment?so we can get them paid.I know my credit doesn't look the best right now, but I am trying everything to get all the bills caught up and paid. We thought we had our house sold, which would have finally put us back on top, but the offer fell through.?We really need this loan to help get past bills current.? I really don't like having to borrow, but I need to take care of my family and this will help put us back on track.? I promise this loan will be paid back no matter what, I don't like being in debt and am doing everything to get back on top of things.? Thank you for your time and interest it means everything to my family and I.
My financial situation:
I am a good candidate for this loan because? I have a very good, stable job with the Postal Service,?I just paid off my previous loan with prosper this week. I will?keep this loan in the the same good standing. I am behind on a few things but that is what I?need this loan to help me with.

Monthly net income: $ 4289

Monthly expenses: $
??Housing: $ 500
??Insurance: $312
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
brother_tam$50.00$50.0010/8/2010 3:21:18 PM
GrossBuddha$75.00$75.0010/8/2010 3:30:23 PM
platinum-hunter7$25.00$25.0010/9/2010 5:33:03 AM
realtormoises$25.00$25.0010/9/2010 2:50:04 PM
CommunityArts_Non-profit$190.00$190.0010/10/2010 10:07:22 PM
mikeandcat$100.00$100.0010/11/2010 11:18:13 AM
YoungTaxMan$200.00$200.0010/13/2010 10:26:05 AM
fizicks06$100.00$100.0010/13/2010 8:59:38 PM
supreme-hope$25.00$25.0010/14/2010 3:14:45 AM
head$25.00$25.0010/14/2010 1:31:35 PM
twjh$25.00$25.0010/14/2010 3:01:24 PM
jhouman$25.00$25.0010/14/2010 2:55:06 PM
168RichCapital$26.91$26.9110/14/2010 3:12:21 PM
loss-of-control$50.00$50.0010/14/2010 3:44:30 PM
YoungTaxMan$300.00$300.0010/14/2010 2:43:39 PM
jbloans$25.00$25.0010/14/2010 5:03:41 PM
Hummer-Guy$25.00$25.0010/14/2010 5:15:55 PM
farchoir$25.00$25.0010/14/2010 6:39:41 PM
papaloha$100.00$100.0010/14/2010 3:42:31 PM
credit-missile$25.00$25.0010/14/2010 10:19:05 PM
joefoolz$70.00$70.0010/14/2010 5:17:30 PM
carrinel$129.08$129.0810/14/2010 5:27:29 PM
Feyenoord$25.00$25.0010/14/2010 9:14:18 PM
Tono$30.00$30.0010/14/2010 6:22:05 PM
zone6$100.00$100.0010/15/2010 4:33:44 AM
surgeon3$25.00$25.0010/14/2010 8:05:31 PM
icanhasloanz$100.00$100.0010/14/2010 10:38:59 PM
jvg10$100.00$100.0010/15/2010 12:01:19 AM
basis-image$25.00$25.0010/15/2010 6:01:59 AM
Champion_Lending$25.00$25.0010/15/2010 8:07:27 AM
Hazlenut$25.00$25.0010/15/2010 9:02:09 AM
heerzaquestion$25.00$25.0010/15/2010 7:26:33 AM
sweetlan$25.00$25.0010/15/2010 7:53:48 AM
Rip128$200.00$200.0010/15/2010 9:57:14 AM
new-social-economist$50.00$50.0010/15/2010 10:11:43 AM
thankful-nickel2$25.00$25.0010/15/2010 10:26:39 AM
aquistoyraul$25.00$25.0010/15/2010 11:13:57 AM
jhernand17$25.00$25.0010/15/2010 1:04:19 PM
MStax$100.00$100.0010/15/2010 12:04:12 PM
reflective-rupee$50.00$50.0010/8/2010 3:34:58 PM
tjone69$50.00$50.0010/8/2010 3:38:31 PM
Jasmel$200.00$10.5010/8/2010 7:03:23 PM
swoosh$25.00$25.0010/8/2010 3:47:51 PM
UCLA4life$50.00$50.0010/9/2010 2:34:19 AM
return-grizzly$100.00$100.0010/9/2010 3:55:50 AM
genuine-integrity0$25.00$25.0010/11/2010 3:01:43 PM
LeverageLender$25.00$25.0010/11/2010 3:29:39 PM
FarmersBank$25.00$25.0010/12/2010 8:52:18 AM
well-mannered-income3$30.00$30.0010/12/2010 5:47:36 PM
NekHoldings$25.00$25.0010/12/2010 7:18:02 PM
Mark-M$25.00$25.0010/14/2010 7:29:11 AM
marwadi-62$300.00$300.0010/14/2010 4:01:29 PM
340$25.00$25.0010/14/2010 4:18:04 PM
hookUup$25.00$25.0010/14/2010 6:11:37 PM
blitzen40$25.00$25.0010/14/2010 4:31:07 PM
the-kindness-honker$25.00$25.0010/14/2010 9:49:58 PM
credit-missile$25.00$25.0010/14/2010 10:15:41 PM
credit-missile$25.00$25.0010/14/2010 10:18:02 PM
Leshan$100.00$100.0010/14/2010 5:11:48 PM
droopie1$25.00$25.0010/14/2010 7:12:32 PM
atkemom$25.00$25.0010/15/2010 6:26:18 AM
Mikale360$25.00$25.0010/15/2010 7:22:31 AM
wlm3012$25.00$25.0010/15/2010 9:02:51 AM
Cottingham$25.00$25.0010/15/2010 5:44:47 AM
eboomer2611$25.00$25.0010/15/2010 8:26:00 AM
DaddyBill$30.00$30.0010/15/2010 7:53:27 AM
silvercertificate$25.00$25.0010/15/2010 11:09:10 AM
fervent-power$25.00$25.0010/15/2010 11:17:14 AM
ustfu$25.00$25.0010/15/2010 10:45:34 AM
Bob450$30.00$30.0010/15/2010 11:34:25 AM
mutual-benefit$25.00$25.0010/15/2010 12:15:32 PM
vigilance-searcher$25.00$25.0010/15/2010 10:14:05 AM
Catz_aplenty$26.00$26.0010/15/2010 10:23:36 AM
skubwa$25.00$25.0010/15/2010 11:08:48 AM
DasMula$25.00$25.0010/15/2010 2:55:33 PM
revenue-driver8$27.51$27.5110/15/2010 1:21:36 PM
76 bids
 
Borrower Payment Dependent Notes Series 478512
This series of Notes was issued and sold upon the funding of the borrower loan #44850, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $347.39
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $347.39
 
Auction yield range: 5.71% - 14.15% Estimated loss impact: 6.19%  
Lender servicing fee: 1.00% Estimated return: 7.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1995 Debt/Income ratio: 12%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 33 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,408Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: top-compassion-ringleader Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off citi
Purpose of loan:
This loan will be used to? consolidate debt

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rescue$50.00$50.0010/8/2010 3:18:52 PM
generous-deal6$50.00$50.0010/8/2010 3:22:00 PM
chemistry220$50.00$50.0010/8/2010 3:22:28 PM
DRA-Properties$25.00$25.0010/8/2010 3:24:12 PM
mike_banker$50.00$50.0010/8/2010 3:25:22 PM
kmr2$200.00$200.0010/8/2010 3:26:12 PM
lendingfrog$50.00$50.0010/8/2010 3:27:25 PM
marketplace-cello5$50.00$50.0010/8/2010 3:27:29 PM
escharfer$25.00$25.0010/8/2010 3:27:17 PM
moola-wildebeest3$50.00$50.0010/8/2010 3:27:59 PM
tolerant-dinero2$25.00$25.0010/8/2010 3:27:43 PM
brother_tam$50.00$50.0010/8/2010 3:28:35 PM
loan-adventurer7$50.00$50.0010/8/2010 3:29:09 PM
Gabriel02$25.00$25.0010/8/2010 3:20:21 PM
VAGweilo$50.00$50.0010/8/2010 3:29:19 PM
CAGE-Investments$25.00$25.0010/8/2010 3:30:11 PM
delicious-social132$50.00$50.0010/8/2010 3:31:31 PM
shmb6508$100.00$100.0010/8/2010 3:24:37 PM
Katburg$35.00$35.0010/8/2010 4:38:13 PM
jdwillcox$50.00$50.0010/8/2010 3:25:32 PM
ClearCut$50.00$50.0010/8/2010 5:13:39 PM
worldly-penny8$50.00$50.0010/8/2010 4:52:47 PM
tech310$50.00$50.0010/8/2010 3:27:00 PM
ichibon$150.00$150.0010/8/2010 3:28:03 PM
runner262$25.00$25.0010/9/2010 11:52:51 PM
loan-adventurer7$36.00$36.0010/9/2010 12:25:10 PM
Go_Ducks$25.00$25.0010/10/2010 7:14:38 AM
tranquil-return4$25.00$25.0010/10/2010 3:23:20 AM
Anny-Disco$50.00$50.0010/10/2010 4:38:46 AM
Tradesmanlender$25.00$25.0010/10/2010 11:48:00 AM
icecoldcash$25.00$25.0010/9/2010 7:53:47 PM
itnAAnti$25.00$25.0010/10/2010 5:58:38 PM
AF-Chief$40.30$40.3010/10/2010 7:07:59 PM
the-determined-value$50.00$50.0010/10/2010 8:38:37 PM
ericgassercom$50.00$50.0010/11/2010 3:05:49 PM
lively-point$25.00$25.0010/11/2010 3:07:42 PM
loanermn$25.00$25.0010/11/2010 3:13:50 PM
irrelevant$25.00$25.0010/11/2010 3:05:47 PM
nycfinance$25.00$25.0010/11/2010 6:30:10 PM
gallant-economy9$25.00$25.0010/11/2010 10:14:42 PM
payout-achievement$40.00$40.0010/12/2010 7:07:48 AM
BangBros$50.00$50.0010/12/2010 9:33:11 AM
money-corps8$100.00$100.0010/12/2010 9:33:19 AM
natural-greenback6$25.00$25.0010/11/2010 8:12:56 PM
Gibbyland$50.00$50.0010/12/2010 9:35:31 AM
greenback-bull6$50.00$50.0010/12/2010 9:12:48 AM
nicklds$25.00$25.0010/12/2010 5:07:43 AM
skuba$50.00$50.0010/12/2010 6:32:44 AM
Tomeus$75.00$75.0010/12/2010 10:17:14 AM
Riccous$50.00$50.0010/12/2010 10:40:20 AM
jbrel$37.73$37.7310/12/2010 1:38:40 PM
FinDoc$25.00$25.0010/12/2010 4:48:12 PM
beaker$25.00$25.0010/12/2010 9:28:20 PM
piper1636$50.00$50.0010/12/2010 9:31:18 PM
witty-openness$25.00$25.0010/12/2010 10:49:13 PM
penny-plato$25.00$25.0010/12/2010 5:30:50 PM
Ivan2007$50.00$50.0010/13/2010 1:06:29 AM
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asya$25.00$25.0010/13/2010 8:34:18 AM
riproaringrapids$25.00$25.0010/13/2010 2:07:43 AM
SpectrumCen$30.00$30.0010/13/2010 9:31:04 AM
bxdoc$52.06$52.0610/13/2010 9:40:33 AM
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agalt$100.00$100.0010/13/2010 8:28:13 AM
Ven58$25.00$25.0010/13/2010 3:00:21 PM
steady-investment6$25.00$25.0010/13/2010 6:52:45 PM
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williemc44$50.00$50.0010/13/2010 7:39:15 PM
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Rick21$100.00$100.0010/13/2010 10:14:42 PM
sosleep$25.00$25.0010/14/2010 6:34:27 AM
BrandonW$25.00$25.0010/14/2010 9:34:26 AM
Adam_00$50.00$50.0010/14/2010 9:43:17 AM
geniusj$25.00$25.0010/14/2010 9:40:20 AM
108lender$38.08$38.0810/14/2010 9:49:49 AM
mmckune$25.00$25.0010/14/2010 9:49:51 AM
ti22ring$30.00$30.0010/14/2010 12:13:27 PM
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maldok1$25.00$25.0010/14/2010 1:14:19 PM
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benefit-comforter$25.00$25.0010/14/2010 12:39:09 PM
bodascafe$25.00$25.0010/14/2010 9:49:45 AM
Sefotonga$25.00$25.0010/14/2010 1:13:33 PM
KiwiElf$28.94$28.9410/14/2010 11:14:18 AM
anton$500.00$500.0010/14/2010 2:14:48 PM
enthralling-deal180$50.00$50.0010/14/2010 2:35:02 PM
DeltaComputerGuy$25.00$25.0010/14/2010 2:55:24 PM
teller$50.00$50.0010/14/2010 2:34:44 PM
auction-seeker$25.00$25.0010/14/2010 5:26:09 PM
mid$25.00$25.0010/14/2010 7:43:15 PM
Phantom99$25.00$25.0010/14/2010 3:48:45 PM
squarebob$25.00$25.0010/14/2010 6:43:39 PM
BBL$50.00$50.0010/14/2010 10:04:44 PM
Queueball1$25.00$25.0010/14/2010 6:38:15 PM
commerceasaurus-rex2$25.00$25.0010/14/2010 11:19:46 PM
BSr$25.00$25.0010/14/2010 6:46:36 PM
social-comet7$25.00$25.0010/15/2010 3:43:17 AM
radforj22$25.00$25.0010/8/2010 3:19:47 PM
authentic-liberty7$25.00$25.0010/8/2010 3:19:34 PM
Weaverville$50.00$50.0010/8/2010 3:21:01 PM
bountiful-durability$100.00$100.0010/8/2010 3:24:01 PM
simplelender80$250.00$250.0010/8/2010 3:24:19 PM
agiovasil$25.00$25.0010/8/2010 3:24:08 PM
bid-czar8$100.00$100.0010/8/2010 3:24:31 PM
bowdish1$50.00$50.0010/8/2010 3:26:45 PM
tntmojave$25.00$25.0010/8/2010 3:28:18 PM
greentomato$25.00$25.0010/8/2010 3:28:42 PM
papaloha$25.00$25.0010/8/2010 3:20:57 PM
bambampk$25.00$25.0010/8/2010 3:30:51 PM
studious-bonus7$100.00$100.0010/8/2010 3:24:22 PM
jazzlender$25.00$25.0010/8/2010 3:24:46 PM
herbyman$50.00$50.0010/8/2010 3:25:41 PM
objective-investor$100.00$100.0010/8/2010 3:26:29 PM
JohnGalt79$100.00$100.0010/8/2010 3:26:38 PM
tsui517$25.00$25.0010/8/2010 3:28:11 PM
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cybernosha$25.00$25.0010/8/2010 3:29:53 PM
bold-shrewd-duty$50.00$50.0010/8/2010 3:32:30 PM
the-profit-oracle$25.00$25.0010/9/2010 3:10:04 AM
the-upbeat-p2p$50.00$50.0010/9/2010 7:13:57 AM
alpinaut$25.00$25.0010/9/2010 8:23:49 AM
life-is-great$50.00$50.0010/9/2010 9:58:26 AM
harmonious-moola7$50.00$50.0010/9/2010 9:58:33 AM
saysana$25.00$25.0010/9/2010 9:58:51 AM
a-finance-nirvana$25.00$25.0010/9/2010 3:20:25 AM
MutuallyBeneficial$50.00$50.0010/9/2010 12:37:52 PM
fairness-kayak$25.00$25.0010/9/2010 6:47:44 PM
worthy-bid8$25.00$25.0010/9/2010 8:47:42 AM
wealth-carrier$25.00$25.0010/9/2010 9:58:37 AM
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iflyforfun$25.00$25.0010/10/2010 3:12:57 AM
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dollardave$100.00$100.0010/10/2010 8:27:49 AM
graceful-investment$100.00$100.0010/9/2010 5:22:51 PM
mla$25.00$25.0010/10/2010 11:14:02 AM
elfincove$25.81$25.8110/10/2010 1:07:47 PM
efficient-treasure0$25.00$25.0010/10/2010 5:33:08 PM
mtquan$25.00$25.0010/10/2010 8:13:20 PM
upbeat-investment9$50.00$50.0010/10/2010 10:02:56 AM
larrybird$49.21$49.2110/10/2010 12:12:44 PM
NiceNate$50.00$50.0010/11/2010 12:01:43 AM
ashot12$25.00$25.0010/11/2010 12:33:03 AM
soheagle$35.00$35.0010/11/2010 11:19:08 AM
rhodylend$25.00$25.0010/11/2010 4:47:57 PM
CasaDeTomas$43.95$43.9510/11/2010 8:37:43 PM
mizon291$50.00$50.0010/11/2010 11:32:49 PM
mmzero$25.00$25.0010/12/2010 7:22:47 AM
credit-kahuna$50.00$50.0010/11/2010 11:18:09 PM
cclady$100.00$100.0010/12/2010 9:34:51 AM
Artist_Blue$25.00$25.0010/12/2010 6:08:24 AM
jigsaw$100.00$100.0010/12/2010 10:26:40 AM
jeg3k$50.00$50.0010/12/2010 10:28:05 AM
MissionMicroFinance$25.00$25.0010/12/2010 10:25:13 AM
KileNSmyth4$27.74$27.7410/12/2010 11:18:50 AM
diversification-pilot$25.00$25.0010/12/2010 12:34:11 PM
crenen139$25.00$25.0010/12/2010 10:30:57 AM
psa1995$28.66$28.6610/12/2010 1:28:32 PM
excellent-greenback$50.00$50.0010/12/2010 2:13:03 PM
wacko82$100.00$100.0010/12/2010 11:37:58 AM
Aimvest$25.00$25.0010/12/2010 12:37:33 PM
MadHun$75.00$75.0010/12/2010 4:12:51 PM
forthright-dedication$50.00$50.0010/12/2010 3:54:17 PM
SafeSaxa$50.00$50.0010/12/2010 3:44:13 PM
GElender$40.64$40.6410/12/2010 3:53:28 PM
peso-fortress$25.00$25.0010/13/2010 5:28:36 AM
JoyfulVegetarian$25.00$25.0010/13/2010 9:30:34 AM
cropdust3r$50.00$50.0010/13/2010 9:31:16 AM
crawfingers$25.00$25.0010/13/2010 9:40:58 AM
robust-payout1$50.00$50.0010/13/2010 9:39:29 AM
nickel-hickory$25.00$25.0010/13/2010 9:41:50 AM
compwhiz$25.00$25.0010/13/2010 9:43:16 AM
orgy63$25.00$25.0010/13/2010 10:04:22 AM
porter22$25.00$25.0010/13/2010 2:10:02 PM
patriot384$50.00$50.0010/13/2010 2:16:40 PM
TakeCare$80.00$80.0010/13/2010 10:54:01 AM
loan-mammal$25.00$25.0010/13/2010 2:24:59 PM
SelectTrustLending$25.00$25.0010/13/2010 2:27:46 PM
IIP77$25.00$25.0010/13/2010 2:58:46 PM
punctual-kindness3$25.00$25.0010/13/2010 5:53:48 PM
flexible-return297$50.00$50.0010/13/2010 4:43:41 PM
Radium84$50.00$50.0010/13/2010 8:37:46 PM
CanArkRoamNu$25.00$25.0010/13/2010 10:09:31 PM
gold-disk$50.00$50.0010/13/2010 10:22:56 PM
integrityisnumone$25.00$25.0010/13/2010 3:18:06 PM
orange-dollar-guild$25.00$25.0010/13/2010 3:19:13 PM
jamiee73$25.00$25.0010/14/2010 6:08:39 AM
Easystreet$25.00$25.0010/14/2010 6:52:55 AM
dcap3$100.00$100.0010/14/2010 5:19:00 AM
Cheburashka$25.00$25.0010/13/2010 11:24:06 PM
kegs$25.00$25.0010/14/2010 8:17:44 AM
well-mannered-basis1$50.00$50.0010/14/2010 9:34:41 AM
jwood3030$25.00$25.0010/13/2010 11:43:28 PM
intlargonaut$50.00$50.0010/14/2010 8:54:26 AM
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gold-channel2$25.70$25.7010/14/2010 9:49:52 AM
important-dollar1$25.00$25.0010/14/2010 9:49:58 AM
Investoman$25.00$25.0010/14/2010 11:14:59 AM
leverage-monger$25.00$25.0010/14/2010 8:10:19 AM
Lender0424$50.00$50.0010/14/2010 9:49:44 AM
red-robust-rupee$25.00$25.0010/14/2010 9:49:50 AM
RLW43$50.00$50.0010/14/2010 12:50:53 PM
Sevron$100.00$100.0010/14/2010 10:27:48 AM
wealth-hercules$25.00$25.0010/14/2010 9:35:06 AM
buddy486$25.00$25.0010/14/2010 1:29:59 PM
dementia$25.00$25.0010/14/2010 12:39:07 PM
andyb9$27.79$27.7910/14/2010 12:57:55 PM
busybee007$25.00$25.0010/14/2010 9:49:41 AM
wealth-hercules$25.00$25.0010/14/2010 10:11:13 AM
aha6297$25.00$25.0010/14/2010 10:27:45 AM
buddyholly$50.00$50.0010/14/2010 10:50:30 AM
Chewbaca$25.00$25.0010/14/2010 2:12:12 PM
B1-Lancer$50.00$50.0010/14/2010 12:17:45 PM
midde551$27.64$27.6410/14/2010 1:13:33 PM
FoosMaster$30.86$30.8610/14/2010 3:23:09 PM
Beachbum27$25.00$25.0010/14/2010 2:43:00 PM
assetmanager$25.00$25.0010/14/2010 5:37:46 PM
DadWarbucks$50.00$50.0010/14/2010 5:18:06 PM
natural-note$50.00$50.0010/14/2010 7:57:56 PM
Hexnut$25.00$25.0010/14/2010 8:13:51 PM
Saleen06$25.00$25.0010/14/2010 8:32:33 PM
RLC$50.00$50.0010/14/2010 10:07:42 PM
green-radiant-durability$25.00$25.0010/14/2010 10:07:43 PM
venturawesty$25.00$25.0010/14/2010 7:42:53 PM
credit-scout7$50.00$50.0010/14/2010 8:13:45 PM
wmealhouse$50.00$50.0010/14/2010 8:52:50 PM
christifa$25.00$25.0010/14/2010 10:54:31 PM
Therapist$50.00$38.8910/14/2010 11:41:20 PM
228 bids
 
Borrower Payment Dependent Notes Series 478522
This series of Notes was issued and sold upon the funding of the borrower loan #44865, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8% Auction start date:  Oct-07-2010 
  Auction end date:  Oct-14-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $240.95
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $240.95
 
Auction yield range: 10.71% - 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: Oct-1993 Debt/Income ratio: 17%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,958Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: heroic-truth1 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 700-719 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
700-719 (Dec-2009)
 
Principal balance: $6,246.80 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Basement Finishing
Purpose of loan:
This loan will be used to? Begin to finish my basement.? Framing, drywall,?paint, & carpet to increase overall value of my home.? I will still need to add the bathroom at a later date.

My financial situation:
I am a good candidate for this loan because?I make enough money to pay the bill, I have no late payments or?other delinquencies on my credit in the past 10 years,?& I really value this way of lending in lieu of giving my money to big banks. ?In addition I just finished paying off my 2005 Silverado ($550 a month) so I have plenty of room to add this payment.

Monthly net income: $ 6500

Monthly expenses: $
??Housing: $ 1700
??Insurance: $200
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AlexTrep$50.00$50.0010/7/2010 2:42:37 PM
ethicalhumanist$25.00$25.0010/7/2010 2:44:26 PM
tech310$50.00$50.0010/7/2010 2:49:28 PM
moola-wildebeest3$25.00$25.0010/7/2010 2:50:47 PM
loan-adventurer7$25.00$25.0010/7/2010 2:52:00 PM
B-rad_the_Coug$25.00$25.0010/7/2010 2:52:31 PM
GElender$25.00$25.0010/7/2010 2:56:59 PM
reflective-rupee$250.00$250.0010/7/2010 3:50:48 PM
handshake5$100.00$100.0010/7/2010 2:48:22 PM
blue-useful-auction$25.00$25.0010/7/2010 5:45:24 PM
natural-greenback6$25.00$25.0010/7/2010 8:54:12 PM
JustMee$25.00$25.0010/7/2010 6:46:55 PM
trade-goblin9$25.00$25.0010/7/2010 9:21:33 PM
agiovasil$25.00$25.0010/8/2010 11:04:53 AM
soulful-truth$597.23$597.2310/9/2010 8:19:10 PM
ekmendenhall$45.00$45.0010/9/2010 9:29:08 PM
bold-shrewd-duty$50.00$50.0010/11/2010 6:24:13 AM
kulender$50.00$50.0010/11/2010 3:04:51 PM
the-determined-value$50.00$50.0010/11/2010 3:11:15 PM
mikeandcat$50.00$50.0010/12/2010 8:20:33 AM
gentle-social0$25.00$25.0010/12/2010 9:33:50 AM
Artist_Blue$25.00$25.0010/12/2010 6:32:50 AM
crenen139$25.00$25.0010/12/2010 10:29:51 AM
whatknows$25.00$25.0010/12/2010 11:49:03 AM
JAVEHE$50.00$50.0010/12/2010 3:03:07 PM
labyrinth0$25.00$25.0010/12/2010 3:50:23 PM
DSFinancial$50.00$50.0010/12/2010 4:39:39 PM
Land_on_your_feet$75.00$75.0010/12/2010 3:51:32 PM
generous-deal6$25.00$25.0010/12/2010 7:57:58 PM
well-mannered-income3$70.00$70.0010/12/2010 4:31:19 PM
life-is-great$50.00$50.0010/12/2010 9:29:49 PM
SLN-10$37.17$37.1710/13/2010 1:53:29 AM
108lender$25.00$25.0010/13/2010 8:09:00 AM
networks4ever$25.00$25.0010/13/2010 8:58:48 AM
head$25.00$25.0010/13/2010 9:48:10 AM
asiaratt$50.00$50.0010/13/2010 9:48:18 AM
realtormoises$25.00$25.0010/13/2010 2:41:14 PM
patriot384$180.00$180.0010/13/2010 2:10:03 PM
FeedTheMachine$100.00$100.0010/13/2010 7:42:40 PM
surgeon3$75.00$75.0010/13/2010 7:47:01 PM
seisen$100.00$100.0010/13/2010 3:07:17 PM
credit-sycamore4$38.86$38.8610/14/2010 4:57:51 AM
bountiful-durability$55.91$55.9110/13/2010 11:54:46 PM
supreme-hope$25.00$25.0010/14/2010 3:08:31 AM
Moe87$25.32$25.3210/14/2010 3:47:06 AM
leverage-monger$25.00$25.0010/14/2010 7:58:55 AM
IIP77$25.00$25.0010/14/2010 5:44:12 AM
jamiee73$25.00$25.0010/14/2010 6:08:45 AM
Bob450$25.00$25.0010/14/2010 8:42:45 AM
MadHun$100.00$25.6710/14/2010 8:53:44 AM
debtcollector$25.00$25.0010/14/2010 7:09:19 AM
mcgovern2024$50.00$50.0010/14/2010 7:34:24 AM
social-zebra$28.00$28.0010/14/2010 9:29:21 AM
the-silver-blaster$35.92$35.9210/14/2010 8:23:48 AM
siuflightboy$44.74$44.7410/14/2010 3:19:10 AM
dcap3$50.00$50.0010/14/2010 5:19:15 AM
CC911$25.00$25.0010/14/2010 6:08:57 AM
loan-fate$48.57$48.5710/14/2010 9:35:38 AM
papaloha$25.00$25.0010/7/2010 2:43:54 PM
ingenious-deal6$25.00$25.0010/7/2010 2:49:07 PM
bid-czar8$25.00$25.0010/7/2010 2:48:31 PM
brother_tam$50.00$50.0010/7/2010 2:51:24 PM
drcoop$25.00$25.0010/7/2010 2:43:24 PM
all_of_that_one$35.00$35.0010/7/2010 2:56:38 PM
beakerfish$100.00$100.0010/7/2010 5:57:40 PM
listing-trapper3$50.00$50.0010/8/2010 2:34:11 PM
patriot897$25.00$25.0010/8/2010 2:35:37 PM
asset-professor$50.00$50.0010/8/2010 2:32:21 PM
fizwahh$40.00$40.0010/8/2010 2:34:08 PM
zen1cent$25.00$25.0010/8/2010 2:34:58 PM
loanman2007$100.00$100.0010/10/2010 1:37:27 PM
Papa_Mema$50.00$50.0010/11/2010 6:24:08 AM
graceful-investment$100.00$100.0010/11/2010 3:10:39 PM
rescue$100.00$100.0010/11/2010 3:14:05 PM
b-rent$25.00$25.0010/12/2010 6:08:45 AM
consummate-loyalty1$100.00$100.0010/12/2010 12:37:54 AM
jubilant-agreement0$25.00$25.0010/12/2010 6:08:46 AM
noble-revenue$100.00$100.0010/12/2010 8:40:12 AM
simplelender80$250.00$250.0010/12/2010 6:08:43 AM
economy-producer$25.00$25.0010/12/2010 10:48:12 AM
preventivepestcontrol$100.00$100.0010/12/2010 11:33:26 AM
teller$50.00$50.0010/12/2010 3:01:18 PM
villagers$50.00$50.0010/12/2010 3:16:14 PM
radiant-loan5$100.00$100.0010/12/2010 4:02:49 PM
shrewd-peace7$25.00$25.0010/12/2010 4:53:31 PM
worthy-bid8$25.00$25.0010/12/2010 5:23:10 PM
loss-of-control$50.00$50.0010/12/2010 6:37:48 PM
loss-of-control$50.00$50.0010/12/2010 6:38:09 PM
Jinja$35.00$35.0010/13/2010 5:03:02 AM
musegaze$90.00$90.0010/12/2010 9:31:06 PM
mercuriant$25.00$25.0010/13/2010 1:50:39 AM
icecoldcash$25.00$25.0010/13/2010 7:39:17 AM
numitor$37.22$37.2210/13/2010 8:58:45 AM
gallant-economy9$42.91$42.9110/13/2010 9:49:17 AM
TakeCare$60.00$60.0010/13/2010 10:54:28 AM
richboy56$25.00$25.0010/13/2010 11:22:54 AM
tsg2007$25.00$25.0010/13/2010 1:22:01 PM
escharfer$25.00$25.0010/13/2010 1:26:03 PM
MarinLoans$25.00$25.0010/13/2010 3:03:21 PM
jubilant-auction5$25.00$25.0010/13/2010 2:49:17 PM
tarion3$25.00$25.0010/13/2010 3:17:01 PM
squarebob$25.00$25.0010/13/2010 3:23:03 PM
loss-of-control$50.00$50.0010/13/2010 6:33:28 PM
barefootpaul$35.00$35.0010/13/2010 3:02:33 PM
ashot12$49.80$49.8010/14/2010 5:12:54 AM
jybank$25.00$25.0010/14/2010 12:17:40 AM
skaught$30.00$30.0010/13/2010 7:18:29 PM
loanman2007$50.00$50.0010/14/2010 6:51:19 AM
grnii78$37.68$37.6810/14/2010 7:54:33 AM
HammerSmith$25.00$25.0010/13/2010 8:56:14 PM
loanman2007$50.00$50.0010/14/2010 6:49:38 AM
note-virtuoso8$50.00$50.0010/14/2010 8:43:00 AM
cash-spark3$50.00$50.0010/14/2010 12:39:28 AM
cybernosha$25.00$25.0010/14/2010 7:12:44 AM
bold-pleasant-gold$25.00$25.0010/14/2010 8:09:12 AM
115 bids
 
Borrower Payment Dependent Notes Series 478688
This series of Notes was issued and sold upon the funding of the borrower loan #44849, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $205.47
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,307Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: Hmeonthelake 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.
Description
debt consolidation
Hello
?I am looking to pay off a credit card I used this past year for needed dental surgery. I owe some other credit card debt but wanted to get this particular one paid off plus to show that I can and will repay this loan if I receive it.
?I am self employeed and stay quite busy plus I work part time for another company in the same field.






Purpose of loan:
This loan will be used to? debt consolidation ( to improve financial picture)

My financial situation:
I know? I am a good risk for this loan.I have lived in the same home for about 10 years and in the same community for 30 years. I have verified checking account, I.D. and address with Prosper. All bills are paid online each month from my checking account and well before the due date.
I have zero delinquencies in the past 7 years and nothing negative on my credit report.
?I have had the same checking account and a saving account at the same bank for over 10 years. If for some reason I do not have funds to pay a bill in my checking account it will come from saving account. I have three autos and a boat all paid in full and I have the titles to each.
Last I would like to say that I know how important it is to repay this loan. People are here to?help ?others by ?loaning ?money. But they do so expecting to get repaid plus to make a profit.??So if you ?help me and I help you in return. Thank you!
Monthly net income: $? 4000 net

Monthly expenses: $ 2495
??Housing: $? 895
??Insurance: $ 300
??Car expenses: $ 200
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
papaloha$25.00$25.0010/8/2010 3:22:17 PM
bid-czar8$25.00$25.0010/8/2010 3:25:15 PM
tech310$50.00$50.0010/8/2010 3:27:05 PM
loan-adventurer7$50.00$50.0010/8/2010 3:29:02 PM
natural-greenback6$25.00$25.0010/8/2010 3:31:13 PM
w3alter$50.00$50.0010/8/2010 8:42:48 PM
AlexTrep$50.00$50.0010/10/2010 1:40:56 PM
Artist_Blue$25.00$25.0010/10/2010 1:40:46 PM
hope-equation$50.00$50.0010/10/2010 1:40:56 PM
626457$50.00$50.0010/10/2010 6:32:53 PM
Comoparklender$25.00$25.0010/11/2010 9:01:06 AM
Speculator$100.00$100.0010/11/2010 10:07:50 AM
agiovasil$25.00$25.0010/11/2010 3:11:24 PM
oldmora$50.00$50.0010/11/2010 3:02:29 PM
gentle-social0$25.00$25.0010/12/2010 9:34:18 AM
BrLender$25.00$25.0010/12/2010 10:27:30 AM
preventivepestcontrol$100.00$100.0010/12/2010 11:36:17 AM
whatknows$25.00$25.0010/12/2010 3:04:33 PM
Bcs-cnc$25.00$25.0010/12/2010 1:59:19 PM
shrewd-peace7$50.00$50.0010/12/2010 4:58:31 PM
DSFinancial$50.00$50.0010/12/2010 4:39:53 PM
noble-revenue$100.00$100.0010/12/2010 3:48:21 PM
radiant-loan5$100.00$100.0010/12/2010 4:03:03 PM
well-mannered-income3$30.00$30.0010/12/2010 5:54:59 PM
rescue$98.29$98.2910/12/2010 9:31:10 PM
all_of_that_one$45.00$45.0010/12/2010 8:28:40 PM
TakeCare$60.00$60.0010/13/2010 10:54:37 AM
economy-producer$25.00$25.0010/13/2010 11:22:45 AM
penny-plato$25.00$25.0010/13/2010 12:51:51 PM
graceful-investment$62.72$28.2810/13/2010 3:17:27 PM
loss-of-control$50.00$50.0010/13/2010 6:47:05 PM
loss-of-control$50.00$50.0010/13/2010 6:47:22 PM
squarebob$25.00$25.0010/14/2010 5:15:53 PM
power-secret-agent$25.00$25.0010/14/2010 6:51:41 PM
prominence8$30.00$30.0010/14/2010 10:47:37 PM
wlm3012$25.00$25.0010/15/2010 9:09:36 AM
Katzenjammer$25.00$25.0010/15/2010 10:24:46 AM
Starfin-Capital-Management$200.00$200.0010/15/2010 10:57:37 AM
Bob450$25.00$25.0010/15/2010 8:42:44 AM
zeekxx1$26.21$26.2110/15/2010 9:25:46 AM
patriot384$120.00$120.0010/15/2010 10:11:26 AM
octoberfresh$25.00$25.0010/15/2010 11:21:47 AM
handshake5$100.00$100.0010/8/2010 3:25:04 PM
ingenious-deal6$25.00$25.0010/8/2010 3:26:21 PM
moola-wildebeest3$25.00$25.0010/8/2010 3:27:51 PM
bold-attentive-listing$25.00$25.0010/8/2010 3:31:40 PM
reflective-rupee$100.00$100.0010/8/2010 3:36:22 PM
loan-adventurer7$36.00$36.0010/9/2010 12:12:58 PM
cablenews$25.00$25.0010/10/2010 7:32:52 AM
soulful-truth$1,000.00$1,000.0010/9/2010 8:18:53 PM
SolarMoonshine$25.00$25.0010/10/2010 5:24:38 PM
what_goes_around$50.00$50.0010/10/2010 1:01:04 PM
dedicated-diversification5$40.00$40.0010/10/2010 5:58:39 PM
sfmf$25.00$25.0010/12/2010 9:22:45 AM
crenen139$25.00$25.0010/12/2010 10:30:04 AM
Papa_Mema$50.00$50.0010/12/2010 3:01:29 PM
bold-shrewd-duty$50.00$50.0010/12/2010 3:01:19 PM
teller$50.00$50.0010/12/2010 6:18:48 PM
simplelender80$58.37$58.3710/12/2010 9:30:53 PM
worthy-bid8$25.00$25.0010/12/2010 5:23:16 PM
consummate-loyalty1$31.72$31.7210/13/2010 12:58:34 PM
leverage-monger$25.00$25.0010/13/2010 11:42:36 AM
the-determined-value$43.07$43.0710/13/2010 1:32:55 PM
EntGuy$35.00$35.0010/13/2010 12:58:01 PM
cash-spark3$50.00$50.0010/14/2010 12:39:39 AM
ethicalhumanist$50.00$50.0010/14/2010 11:17:36 AM
shrewd-benjamins$50.00$50.0010/14/2010 9:44:53 AM
Nerdster1$25.01$25.0110/14/2010 4:58:16 PM
hookUup$25.00$25.0010/14/2010 5:30:00 PM
ghinga$25.00$25.0010/14/2010 7:37:42 PM
paradisenow$25.00$25.0010/14/2010 7:06:46 PM
silver-parsec$25.00$25.0010/14/2010 9:45:19 PM
pani5ue$25.00$25.0010/14/2010 4:38:24 PM
credit-missile$25.00$25.0010/14/2010 10:09:03 PM
Roundhouse$50.00$50.0010/14/2010 11:11:40 PM
mckhbnpc$30.00$30.0010/14/2010 9:00:22 PM
zone6$100.00$100.0010/15/2010 5:47:23 AM
SFBank$300.00$300.0010/14/2010 7:13:11 PM
kendigme$25.00$25.0010/15/2010 3:50:01 AM
Free-the-usa-1776$25.00$25.0010/14/2010 10:52:52 PM
droopie1$25.00$25.0010/15/2010 12:11:52 AM
wonder3$25.00$25.0010/15/2010 6:40:23 AM
duty-monger$50.00$50.0010/15/2010 3:31:33 AM
2grindstones$25.00$25.0010/15/2010 10:41:47 AM
FinanceEngine$25.00$25.0010/15/2010 7:48:22 AM
thankful-nickel2$25.00$25.0010/15/2010 10:49:02 AM
bullish2bearish$38.05$38.0510/15/2010 9:25:54 AM
HammerSmith$25.00$25.0010/15/2010 1:59:30 PM
88 bids
 
Borrower Payment Dependent Notes Series 478700
This series of Notes was issued and sold upon the funding of the borrower loan #44861, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-13-2010 
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 31.56% Starting monthly payment: $206.82
Final lender yield: 27.00% Final borrower rate/APR: 28.00% / 31.56% Final monthly payment: $206.82
 
Auction yield range: 10.71% - 27.00% Estimated loss impact: 11.47%  
Lender servicing fee: 1.00% Estimated return: 15.53%  
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: Aug-2000 Debt/Income ratio: 19%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 6Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,262Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: courteous-community779 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating debt...fewer payments
Purpose of loan:
This loan will be used to pay down 2 very high interest loans + annual fees.? I'm currently paying very little principle off on these loans.? This loan at said interest rate would save me approximately $300/mo.

My financial situation:
I am a good candidate for this loan because I have a steady job with steady income and an excellent credit history.

Monthly net income: $ 5,145 (me) + $2,600 (wife)

Monthly expenses: $ 5,000
??Housing: $ 2450
??Insurance: $ 200
??Car expenses: $
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 750
??Other expenses: $ 600- child care
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
papaloha$25.00$25.0010/8/2010 3:22:18 PM
ethicalhumanist$25.00$25.0010/8/2010 3:22:33 PM
handshake5$100.00$100.0010/8/2010 3:25:04 PM
tech310$50.00$50.0010/8/2010 3:27:05 PM
hookUup$25.00$25.0010/8/2010 3:27:37 PM
blue-useful-auction$25.00$25.0010/8/2010 4:49:07 PM
ingenious-deal6$25.00$25.0010/8/2010 3:26:22 PM
loan-adventurer7$50.00$50.0010/8/2010 3:29:02 PM
The_Secret$25.00$25.0010/8/2010 7:23:06 PM
lendstats_com$200.00$200.0010/8/2010 7:46:58 PM
reflective-rupee$250.00$250.0010/8/2010 3:35:38 PM
w3alter$50.00$50.0010/8/2010 8:42:48 PM
Fishy014$30.00$30.0010/8/2010 5:25:41 PM
371millwood$300.00$300.0010/8/2010 7:11:08 PM
loan-adventurer7$36.00$36.0010/9/2010 12:12:03 PM
SolarMoonshine$25.00$25.0010/9/2010 1:43:38 PM
cclady$50.00$50.0010/9/2010 5:00:03 PM
cablenews$25.00$25.0010/9/2010 5:22:55 PM
soulful-truth$1,000.00$1,000.0010/9/2010 8:18:52 PM
Artist_Blue$25.00$25.0010/9/2010 12:58:58 PM
hope-equation$50.00$50.0010/10/2010 7:32:45 AM
DasMula$25.00$25.0010/10/2010 10:26:35 AM
Whipster$50.00$50.0010/10/2010 1:47:43 PM
AlexTrep$50.00$50.0010/10/2010 7:07:56 PM
Comoparklender$25.00$25.0010/11/2010 9:01:06 AM
payment-gusto$25.00$25.0010/11/2010 9:42:51 AM
oldmora$50.00$50.0010/11/2010 3:02:28 PM
FountainShrugged$50.00$50.0010/11/2010 3:02:52 PM
northern_paddler$25.00$25.0010/11/2010 3:12:51 PM
penny-plato$50.00$50.0010/12/2010 7:54:00 AM
gentle-social0$25.00$25.0010/12/2010 9:34:18 AM
nilonc1$80.00$80.0010/12/2010 10:30:08 AM
Whitewater_Loans$25.00$25.0010/12/2010 11:23:26 AM
preventivepestcontrol$100.00$100.0010/12/2010 11:26:05 AM
Jinja$30.00$30.0010/12/2010 1:44:36 PM
Papa_Mema$50.00$50.0010/12/2010 3:01:29 PM
whatknows$25.00$25.0010/12/2010 3:17:59 PM
bold-shrewd-duty$50.00$50.0010/12/2010 3:01:20 PM
noble-revenue$100.00$100.0010/12/2010 3:48:21 PM
radiant-loan5$100.00$100.0010/12/2010 4:03:04 PM
DSFinancial$50.00$50.0010/12/2010 4:39:55 PM
shrewd-income$25.00$25.0010/12/2010 10:59:46 PM
ptjg$25.00$25.0010/12/2010 11:05:00 PM
well-mannered-income3$70.00$70.0010/12/2010 5:56:39 PM
FutureLenderEC$25.00$25.0010/13/2010 1:32:05 AM
loss-of-control$50.00$50.0010/12/2010 6:53:50 PM
rapid-currency$25.00$25.0010/12/2010 7:22:04 PM
all_of_that_one$45.00$45.0010/12/2010 8:28:41 PM
wwwUniversal$25.00$25.0010/13/2010 1:34:44 AM
rescue$25.00$25.0010/12/2010 10:17:39 PM
sfmf$25.00$25.0010/8/2010 3:28:25 PM
natural-greenback6$25.00$25.0010/8/2010 3:31:14 PM
ferocious-camaraderi1$100.00$86.5110/8/2010 3:31:55 PM
bid-czar8$25.00$25.0010/8/2010 3:25:16 PM
moola-wildebeest3$25.00$25.0010/8/2010 3:27:50 PM
bold-attentive-listing$25.00$25.0010/8/2010 3:31:41 PM
mercuriant$25.00$25.0010/9/2010 12:12:43 PM
dinero-vista2$25.00$25.0010/9/2010 10:55:46 AM
plentiful-gain3$50.00$50.0010/9/2010 11:12:45 AM
JustMee$25.00$25.0010/9/2010 6:55:00 PM
dedicated-diversification5$100.00$100.0010/10/2010 1:40:49 PM
626457$50.00$50.0010/10/2010 6:32:53 PM
lloyd_s$25.00$25.0010/10/2010 1:40:26 PM
worthy-truth$25.00$25.0010/10/2010 3:53:51 PM
Speculator$100.00$100.0010/11/2010 10:07:49 AM
RedCentre$50.00$50.0010/11/2010 1:08:13 PM
greenback-chairman5$25.00$25.0010/11/2010 2:54:41 PM
agiovasil$25.00$25.0010/11/2010 3:11:25 PM
jeromeyuan$25.00$25.0010/11/2010 4:23:06 PM
neorunner$25.00$25.0010/12/2010 7:48:13 AM
BrLender$25.00$25.0010/12/2010 10:27:31 AM
careful-compassion$25.00$25.0010/12/2010 10:42:30 AM
crenen139$25.00$25.0010/12/2010 10:30:05 AM
shrewd-peace7$50.00$50.0010/12/2010 4:58:32 PM
well-mannered-income3$70.00$70.0010/12/2010 5:57:28 PM
worthy-bid8$25.00$25.0010/12/2010 5:23:17 PM
teller$50.00$50.0010/12/2010 6:18:49 PM
newest-investment-elevator$50.00$50.0010/12/2010 9:05:51 PM
loss-of-control$50.00$50.0010/12/2010 6:53:32 PM
veneziani$25.00$25.0010/12/2010 10:02:57 PM
loss-of-control$50.00$50.0010/12/2010 6:54:09 PM
simplelender80$47.02$47.0210/13/2010 3:03:35 AM
kendigme$30.47$30.4710/13/2010 3:43:40 AM
83 bids
 
Borrower Payment Dependent Notes Series 461745
This series of Notes was issued and sold upon the funding of the borrower loan #44856, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8% Auction start date:  Oct-05-2010 
  Auction end date:  Oct-12-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $205.47
 
Auction yield range: 10.71% - 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-2006 Debt/Income ratio: 18%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $105Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: truth-frontier 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.
Description
Engagement Ring Payoff
Purpose of loan:
This loan will be used to finish paying for the engagement ring i have picked out for my girlfriend. I have had it on layaway for about 6 months while i made payments every other payday (paid bi-weekly). The reason I have decided to seek a loan to finish payment is because i don't quite qualify for the store's financing and we have a special event coming up that would be the perfect chance to ask her. We have been taking ball room dance lessons for about a year and are going to be performing in our dance studio's yearly showcase. I want to ask her to marry me after we perform.

My financial situation: I currently own my home that i purchased May 2009. My mortgage is $985 a month, i usually pay $1050 per month (extra to principal). I have a truck payment and personal loan that i took out to take a technical class (CCNA). I currently have less than $300 in credit card debt and i also have a personal loan i took out when i got into a tight spot last year.
I am a good candidate for this loan because i pay my bills on payday every check and have a stable job. I am in the IT field and my personal business usually does pretty well along with my regular salary.

Monthly net income: $ 2584

Monthly expenses: $
??Housing: $985
??Insurance: Car-$100 House-in mortgage payment
??Car expenses: $150 gas per month
??Utilities: Water-$50 Power-$150
??Phone, cable, internet: $100
??Food, entertainment: $100
??Credit cards and other loans: $475
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: Does the net income number include what you make from your personal business? And how much have you paid off over the past 6 months? Thank you! - proton346
A: no the net income does not include what i make in personal business, i don't claim my personal business income on loan/credit apps because i don't consider it regular money. The ring was 7000 before taxes, after tax a total of $7490. To date i have paid $2600 into it leaving a balance of $4890 (Oct-07-2010)
Q: HI, What will be your future income/expenses (including your wife's income and expenses)? Thanks, - p2ploan-sensation211
A: we will not marry until after she is finished with college. After that she will be a first here teacher and in this area their starting pay is about $30K - $35K. (Oct-11-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AlexTrep$50.00$50.0010/5/2010 2:47:54 PM
tech310$50.00$50.0010/5/2010 3:20:24 PM
Trakissta$150.00$150.0010/5/2010 9:14:28 PM
gold-sycamore$45.00$45.0010/7/2010 5:41:44 AM
JustMee$25.00$25.0010/7/2010 11:45:20 AM
Bcs-cnc$25.00$25.0010/7/2010 2:08:30 PM
SolarMoonshine$25.00$25.0010/7/2010 5:23:01 PM
bold-attentive-listing$25.00$25.0010/8/2010 9:00:49 AM
loan-adventurer7$50.00$50.0010/9/2010 12:31:59 AM
szetheli$155.00$155.0010/9/2010 10:37:19 AM
FinDoc$25.00$25.0010/9/2010 12:07:46 PM
best-listing-toro$25.00$25.0010/9/2010 12:54:03 PM
katnmouse$25.00$25.0010/9/2010 2:50:53 PM
cmliii$50.00$50.0010/9/2010 7:55:38 AM
well-mannered-income3$30.00$30.0010/9/2010 8:35:54 AM
loss-of-control$50.00$50.0010/10/2010 8:23:53 AM
FinanceEngine$25.00$25.0010/10/2010 11:48:19 PM
lucrative-coin$50.00$50.0010/11/2010 7:25:06 AM
whatreality$25.00$25.0010/11/2010 5:50:10 AM
seanickson$25.00$25.0010/11/2010 12:37:19 PM
reflective-rupee$200.00$200.0010/11/2010 8:38:52 AM
patriot384$120.00$120.0010/11/2010 12:33:12 PM
squarebob$25.00$25.0010/11/2010 3:07:50 PM
greenback-chairman5$25.00$25.0010/11/2010 2:49:05 PM
northern_paddler$25.00$25.0010/11/2010 3:18:26 PM
Loandoc62$25.00$25.0010/11/2010 3:11:36 PM
grnii78$100.00$100.0010/11/2010 3:43:56 PM
favorite-commerce$50.00$50.0010/11/2010 3:12:36 PM
money-fort$25.00$25.0010/11/2010 8:20:49 PM
green-rapid-openness$50.00$50.0010/11/2010 8:20:35 PM
love2garden$46.26$46.2610/11/2010 8:35:23 PM
ralf206$25.00$25.0010/11/2010 9:17:41 PM
-------Loaner$50.00$50.0010/11/2010 9:42:42 PM
umfan123$25.00$25.0010/12/2010 6:07:48 AM
zztopdog$25.00$25.0010/12/2010 7:58:29 AM
octoberfresh$25.00$25.0010/12/2010 6:27:23 AM
cti11$29.25$29.2510/11/2010 4:51:25 PM
jhernand17$25.00$25.0010/12/2010 9:06:03 AM
value-squirrel3$25.00$25.0010/11/2010 6:48:56 PM
Lubava$25.00$25.0010/12/2010 9:28:12 AM
shrewd-income$25.00$25.0010/12/2010 9:31:16 AM
truth-gondola5$25.59$25.5910/12/2010 8:33:36 AM
wealth-multiplier$25.00$25.0010/11/2010 8:58:16 PM
proper-revenue7$25.00$25.0010/11/2010 10:44:48 PM
credit-missile$25.00$25.0010/11/2010 10:58:01 PM
_NaLNaBB$200.00$200.0010/11/2010 11:11:53 PM
KrisKringle$30.00$30.0010/12/2010 5:27:54 AM
bold-attentive-listing$25.00$25.0010/12/2010 9:22:40 AM
pksfunds$25.00$25.0010/12/2010 9:57:17 AM
mrthatcher$40.00$40.0010/12/2010 10:19:43 AM
bonus-genius$25.00$25.0010/12/2010 10:37:17 AM
peace-saber0$25.00$25.0010/12/2010 10:39:18 AM
lawyervon$25.00$25.0010/12/2010 12:34:32 PM
WMY-Investor$100.00$100.0010/12/2010 12:58:01 PM
wealth-multiplier$25.00$25.0010/12/2010 2:11:10 PM
first-dinero-igloo$30.95$30.9510/12/2010 2:21:27 PM
Ven58$25.00$25.0010/12/2010 12:36:49 PM
6moonbeams$25.00$25.0010/5/2010 2:48:59 PM
papaloha$25.00$25.0010/5/2010 2:48:31 PM
kulender$100.00$100.0010/5/2010 2:59:21 PM
rescue$100.00$100.0010/5/2010 3:00:05 PM
handshake5$100.00$66.0610/5/2010 3:22:01 PM
dt_one$25.00$25.0010/5/2010 4:55:24 PM
reflective-rupee$100.00$100.0010/5/2010 7:34:39 PM
diversification-maple1$25.00$25.0010/6/2010 4:43:25 PM
Uylsses$100.00$100.0010/7/2010 7:21:32 AM
joeboxr182$50.00$50.0010/7/2010 9:42:42 AM
mercuriant$25.00$25.0010/7/2010 9:34:50 AM
kttalamo$25.00$25.0010/8/2010 8:34:48 AM
Cromag$25.00$25.0010/8/2010 9:06:30 AM
loan-mammal$25.00$25.0010/8/2010 2:20:12 PM
boo_hoo$50.00$50.0010/8/2010 4:12:22 PM
first-serene-credit$100.00$100.0010/8/2010 9:35:49 PM
loss-of-control$50.00$50.0010/10/2010 8:23:31 AM
wildcard451$25.00$25.0010/10/2010 7:12:25 PM
wwwUniversal$25.00$25.0010/10/2010 9:52:41 PM
whatreality$25.00$25.0010/11/2010 5:50:23 AM
clean-fund$25.00$25.0010/11/2010 9:08:47 AM
jybank$25.00$25.0010/11/2010 12:29:51 PM
mex_invests$25.00$25.0010/11/2010 6:21:27 AM
economy-caper9$25.00$25.0010/11/2010 7:06:38 AM
grampy48$25.00$25.0010/11/2010 1:57:05 PM
tedi-tif$25.00$25.0010/11/2010 2:56:46 PM
friendinmoney$25.00$25.0010/11/2010 2:52:52 PM
attractive-fund$50.00$50.0010/11/2010 9:20:58 AM
Bob450$30.00$30.0010/11/2010 10:24:29 AM
malar$50.00$50.0010/11/2010 1:11:06 PM
Astyanax$75.00$75.0010/11/2010 2:13:49 PM
selfmademan$25.00$25.0010/11/2010 3:00:27 PM
LARRY4NY$25.00$25.0010/11/2010 5:51:00 PM
HammerSmith$25.00$25.0010/11/2010 6:27:22 PM
credit-missile$25.00$25.0010/11/2010 10:58:18 PM
green-rapid-openness$50.00$50.0010/11/2010 8:20:17 PM
green-rapid-openness$50.00$50.0010/11/2010 8:20:58 PM
Rusty3$25.00$25.0010/11/2010 10:08:25 PM
itsmaj$25.00$25.0010/12/2010 1:45:13 AM
kendigme$25.00$25.0010/12/2010 2:43:02 AM
cash-spark3$50.00$50.0010/12/2010 6:42:43 AM
grnii78$100.00$100.0010/11/2010 3:45:40 PM
hunterMG$25.00$25.0010/11/2010 8:06:29 PM
worthy-bid4$48.98$48.9810/12/2010 9:40:53 AM
sharp-trade0$25.00$25.0010/12/2010 9:03:22 AM
balance-river$25.00$25.0010/12/2010 9:20:10 AM
economy-popcorn$25.00$25.0010/12/2010 5:33:08 AM
2grindstones$25.00$25.0010/12/2010 9:53:14 AM
grampy48$25.00$25.0010/12/2010 8:48:56 AM
contract-high-five$27.90$27.9010/12/2010 9:31:07 AM
pksfunds$25.00$25.0010/12/2010 9:56:56 AM
alluring-yield5$25.00$25.0010/12/2010 10:31:09 AM
preventivepestcontrol$75.00$75.0010/12/2010 11:08:13 AM
squarebob$25.00$25.0010/12/2010 12:21:30 PM
BrLender$25.00$25.0010/12/2010 10:27:19 AM
Roundhouse$50.00$50.0010/12/2010 11:54:21 AM
careful-compassion$25.00$25.0010/12/2010 10:48:12 AM
AoP$50.00$50.0010/12/2010 12:58:27 PM
Nerdster1$25.01$25.0110/12/2010 2:14:39 PM
p2ploan-sensation211$25.00$25.0010/12/2010 2:38:55 PM
DHolly$25.00$25.0010/12/2010 1:33:37 PM
squarebob$25.00$25.0010/12/2010 1:37:31 PM
119 bids
 
Borrower Payment Dependent Notes Series 476931
This series of Notes was issued and sold upon the funding of the borrower loan #44847, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8% Auction start date:  Sep-27-2010 
  Auction end date:  Oct-04-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $205.47
 
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: Apr-1993 Debt/Income ratio: 21%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:24y 6m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,185Stated income:$1-$24,999
Delinquencies in last 7y: 5 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: auction-tranquility2 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off All Bill Have Secure Income
Purpose of loan:
This loan will be used to pay off all my bills.? Not many but one payment is my goal.

My financial situation:
I am a good candidate for this loan because my income is 100% reliable and unlimited.

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kulender$50.00$50.009/27/2010 3:32:46 PM
AlexTrep$50.00$50.009/27/2010 3:37:00 PM
handshake5$100.00$100.009/27/2010 3:38:10 PM
a-bountiful-trade$25.00$25.009/27/2010 3:41:52 PM
rescue$100.00$100.009/27/2010 3:44:40 PM
b-rent$25.00$25.009/27/2010 3:54:09 PM
SqueezeKing$25.00$25.009/27/2010 4:42:02 PM
consummate-loyalty1$30.59$30.599/27/2010 7:27:54 PM
musegaze$100.00$100.009/28/2010 6:37:11 PM
AceHiStr8$50.00$50.009/29/2010 10:14:25 AM
Vreet$50.00$50.0010/1/2010 11:59:27 AM
geniusj$25.00$25.0010/1/2010 2:46:14 PM
head$25.00$25.0010/1/2010 2:47:21 PM
papaloha$25.00$25.0010/1/2010 2:50:33 PM
kegs$33.06$33.0610/1/2010 3:05:49 PM
Rob717171$25.00$25.0010/1/2010 6:09:18 PM
loan-adventurer7$25.00$25.0010/1/2010 11:28:37 PM
bill-mushroom$25.00$25.0010/2/2010 4:17:47 AM
loss-of-control$50.00$50.0010/2/2010 8:56:12 AM
loss-of-control$50.00$50.0010/2/2010 8:55:55 AM
CashFlow13$1,000.00$1,000.0010/2/2010 12:43:23 PM
new-social-economist$50.00$50.0010/2/2010 2:36:58 PM
moola-wildebeest3$25.00$25.0010/2/2010 3:13:47 PM
loan-adventurer7$36.00$36.0010/2/2010 6:55:58 PM
diversification-maple1$25.00$25.0010/3/2010 1:14:58 AM
E-B$50.00$50.0010/3/2010 4:19:39 AM
Bob450$25.00$25.0010/3/2010 10:55:29 AM
atlas100$50.00$50.0010/4/2010 8:43:52 AM
bid-czar8$25.00$25.009/27/2010 3:39:16 PM
6moonbeams$25.00$25.009/27/2010 3:37:41 PM
tech310$50.00$50.009/27/2010 3:40:36 PM
bountiful-durability$100.00$100.009/27/2010 3:47:41 PM
agiovasil$25.00$25.009/27/2010 10:32:46 PM
SeeksValue$25.00$25.009/28/2010 7:31:26 AM
simplelender80$250.00$250.009/28/2010 12:27:25 PM
villagers$50.00$50.009/28/2010 5:27:25 PM
ingenious-deal6$25.00$25.009/28/2010 10:52:23 PM
Comoparklender$32.48$32.489/29/2010 8:02:17 AM
money-bauble$100.00$100.009/29/2010 11:39:01 AM
thrifty-capital$25.00$25.009/29/2010 1:07:18 PM
the-silver-blaster$39.81$39.819/29/2010 3:17:49 PM
reflective-rupee$100.00$100.009/29/2010 9:32:08 PM
Artist_Blue$25.00$25.009/30/2010 7:58:21 AM
JoyfulVegetarian$25.00$25.009/30/2010 9:39:00 AM
frogperson$200.00$200.009/30/2010 9:04:25 AM
jubilant-auction5$25.00$25.009/30/2010 10:54:06 AM
108lender$100.00$100.009/30/2010 11:17:29 AM
fairness-kayak$25.00$25.009/30/2010 1:14:15 PM
Debdebwildwoman$25.00$25.009/30/2010 11:32:01 AM
squarebob$25.00$25.009/30/2010 11:58:37 AM
SolarMoonshine$25.00$25.009/30/2010 6:07:32 PM
asiaratt$29.07$29.079/30/2010 6:48:31 PM
gallant-economy9$50.00$50.009/30/2010 9:39:26 PM
irrelevant$25.00$25.0010/1/2010 6:28:37 AM
larrybird$36.32$36.3210/1/2010 5:25:03 AM
Katburg$25.00$25.0010/1/2010 6:15:01 AM
escharfer$25.00$25.0010/1/2010 9:35:57 AM
important-openness1$50.00$50.0010/1/2010 10:23:25 AM
cablenews$25.00$25.0010/1/2010 10:49:56 AM
psa1995$25.00$25.0010/1/2010 11:19:25 AM
ferocious-exchange3$28.59$28.5910/1/2010 3:05:48 PM
momoney2lend$25.00$25.0010/1/2010 5:22:51 PM
well-mannered-income3$60.00$60.0010/1/2010 7:34:47 PM
shur$25.00$25.0010/1/2010 7:42:53 PM
cash-spark3$25.00$25.0010/1/2010 11:33:01 PM
inventive-exchange$25.00$25.0010/1/2010 11:58:40 PM
marketplace-cello5$25.00$25.0010/2/2010 12:20:10 AM
brother_tam$50.00$50.0010/2/2010 4:17:56 AM
leverage-monger$25.00$25.0010/2/2010 8:56:04 AM
new-social-economist$80.00$80.0010/2/2010 10:15:47 AM
Preferred-Lender$25.00$25.0010/2/2010 2:23:05 PM
natural-greenback6$25.00$25.0010/2/2010 8:08:48 PM
EBITDA$25.00$25.0010/3/2010 6:14:45 AM
payment-gusto$25.00$14.0810/3/2010 12:53:01 PM
shrewd-market$100.00$100.0010/3/2010 11:23:09 AM
patriot384$50.00$50.0010/3/2010 7:17:21 PM
bsmtloan$75.00$75.0010/3/2010 8:04:35 PM
reflective-rupee$300.00$300.0010/4/2010 8:20:20 AM
Frankk2$30.00$30.0010/4/2010 7:26:38 AM
reflective-rupee$200.00$200.0010/4/2010 8:20:06 AM
80 bids
 
Borrower Payment Dependent Notes Series 476979
This series of Notes was issued and sold upon the funding of the borrower loan #44860, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0% Auction start date:  Sep-27-2010 
  Auction end date:  Oct-04-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $521.08
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $521.08
 
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: Mar-1985 Debt/Income ratio: 21%
Credit score: 800-819 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,085Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: camaraderi-utensil0 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
Pay off credit cards
Purpose of loan:
This loan will be used to pay off high credit card balances.

My financial situation:
I am a good candidate for this loan because I have a very stable job an have never missed any payments. I got in a little deep because off a reduction in pay at my previous employer off 20%. I am now back up to an acceptable rate of pay and need to consolidate my bills and get debt free.

Monthly net income: $ 4290

Monthly expenses: $
??Housing: $ 1750 ????
??Insurance: $ 125
??Car expenses: $ 200
??Utilities: $ 242
??Phone, cable, internet: $ 200
??Food, entertainment: $ 900
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 900
??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: Will this loan payment take the place of the $900 you now must budget????? - cclady
A: yes that is the plan, and then cut the cards up (Oct-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
agiovasil$25.00$25.009/27/2010 3:23:00 PM
Weaverville$25.00$25.009/27/2010 3:22:43 PM
soheagle$50.00$50.009/27/2010 3:33:16 PM
first-listing-expert$25.00$25.009/27/2010 3:35:14 PM
Gabriel02$25.00$25.009/27/2010 3:36:00 PM
maldok1$25.00$25.009/27/2010 3:36:37 PM
pfh$25.00$25.009/27/2010 3:34:13 PM
money-bauble$50.00$50.009/27/2010 3:37:12 PM
CasaDeTomas$100.00$100.009/27/2010 3:36:10 PM
peripatetic$25.00$25.009/27/2010 3:34:21 PM
orgy63$25.00$25.009/27/2010 3:39:47 PM
bid-czar8$100.00$100.009/27/2010 3:34:43 PM
GElender$75.00$75.009/27/2010 3:37:22 PM
ichibon$150.00$150.009/27/2010 3:35:01 PM
mla$25.00$25.009/27/2010 3:38:55 PM
dollardave$100.00$100.009/27/2010 3:42:11 PM
papaloha$25.00$25.009/27/2010 3:43:33 PM
tech310$50.00$50.009/27/2010 3:40:37 PM
kmr2$150.00$150.009/27/2010 3:38:27 PM
Interstate_Rate$100.00$100.009/27/2010 3:45:15 PM
the-profit-oracle$25.00$25.009/27/2010 3:44:13 PM
bountiful-durability$100.00$100.009/27/2010 3:42:48 PM
brightest-affluence-motivator$75.00$75.009/27/2010 3:50:39 PM
MarinLoans$25.00$25.009/27/2010 3:46:58 PM
RedCentre$225.00$225.009/27/2010 3:47:16 PM
a-finance-nirvana$25.00$25.009/27/2010 4:14:40 PM
Aimvest$25.00$25.009/27/2010 4:23:18 PM
icecoldcash$50.00$50.009/27/2010 11:24:07 PM
psa1995$50.00$50.009/27/2010 8:37:26 PM
gold-channel2$37.97$37.979/28/2010 3:28:15 AM
kegs$150.00$150.009/28/2010 9:03:56 AM
peso-genome$50.00$50.009/28/2010 10:02:40 AM
red-robust-rupee$25.00$25.009/28/2010 9:37:31 AM
hookUup$25.00$25.009/28/2010 1:47:13 PM
GeorgiaGator$25.00$25.009/28/2010 4:14:55 PM
mtp$50.00$50.009/28/2010 10:37:49 PM
gracej$25.00$25.009/29/2010 8:02:30 AM
irrelevant$25.00$25.009/29/2010 8:27:01 AM
ferocious-camaraderi1$100.00$100.009/29/2010 9:56:48 AM
objective-investor$100.00$100.009/29/2010 11:09:14 AM
SimpleChoice$25.00$25.009/29/2010 12:46:20 PM
Superc0ld$50.00$50.009/29/2010 12:17:23 PM
worthy-bid8$100.00$100.009/29/2010 12:44:50 PM
greenbackapult9$50.00$50.009/29/2010 12:47:07 PM
power-secret-agent$25.00$25.009/29/2010 12:51:02 PM
robertmm25$65.00$65.009/29/2010 1:09:55 PM
JohnGalt79$100.00$100.009/29/2010 1:47:39 PM
nickel-hickory$25.00$25.009/29/2010 4:24:33 PM
Mark-O-Polo$25.00$25.009/29/2010 2:56:08 PM
the-silver-blaster$50.00$50.009/29/2010 5:52:46 PM
peb44$25.00$25.009/29/2010 4:24:43 PM
silvercertificate$25.00$25.009/29/2010 7:29:21 PM
icchok$50.00$50.009/29/2010 4:24:49 PM
Interloper$35.00$35.009/29/2010 11:27:34 PM
teller$50.00$50.009/30/2010 4:37:35 AM
Cheburashka$25.00$25.009/30/2010 5:23:34 AM
abundant-credit6$25.00$25.009/30/2010 6:02:18 AM
iolaire$25.00$25.009/30/2010 7:08:46 AM
kapahua$50.00$50.009/30/2010 7:53:50 AM
thoughtful-community7$25.00$25.009/30/2010 8:43:22 AM
shanedog$50.00$50.009/30/2010 9:02:18 AM
ScottW$25.00$25.009/30/2010 9:41:07 AM
JoyfulVegetarian$25.00$25.009/30/2010 9:37:56 AM
cool_kubera$50.00$50.009/30/2010 9:50:17 AM
Geldmeister$50.00$50.009/30/2010 9:50:31 AM
spark548$50.00$50.009/30/2010 9:58:07 AM
mmckune$25.00$25.009/30/2010 11:33:39 AM
redbomb5$25.00$25.009/30/2010 1:14:57 PM
bigdogsafety1$25.00$25.009/30/2010 12:22:32 PM
Oryx22$30.56$30.569/30/2010 2:32:20 PM
dmfog$25.00$25.009/30/2010 3:43:35 PM
Rivervale_Westwood$25.00$25.009/30/2010 3:43:16 PM
nytrnbow$25.00$25.009/30/2010 7:57:55 PM
wishgirl76$33.68$33.689/30/2010 5:15:32 PM
ommcd$25.00$25.0010/1/2010 12:06:22 AM
hrubinst$43.93$43.9310/1/2010 3:14:45 AM
Phantom99$25.00$25.0010/1/2010 4:11:04 AM
LandE2BG$25.00$25.0010/1/2010 1:51:01 AM
anders94$25.00$25.0010/1/2010 2:19:54 AM
ptjg$47.11$47.1110/1/2010 2:50:29 AM
dinero-speaker$25.00$25.0010/1/2010 6:44:22 AM
nalaari$25.00$25.0010/1/2010 5:58:44 AM
well-mannered-marketplace5$25.00$25.0010/1/2010 8:54:11 AM
HalfDayz$50.00$50.0010/1/2010 9:13:07 AM
red-unequivocal-finance$25.00$25.0010/1/2010 9:34:51 AM
ore-jedi$25.00$25.0010/1/2010 9:35:18 AM
loan-master996$50.00$50.0010/1/2010 9:04:32 AM
Munnie$25.00$25.0010/1/2010 9:33:56 AM
eadamson$50.00$50.0010/1/2010 9:34:21 AM
calm-deal7$25.00$25.0010/1/2010 10:48:30 AM
RationalWorld$25.00$25.0010/1/2010 10:14:40 AM
return-elm$25.00$25.0010/1/2010 10:58:11 AM
DadWarbucks$50.00$50.0010/1/2010 2:49:52 PM
payment-freshmaker$50.00$50.0010/1/2010 3:28:31 PM
inventive-exchange$25.00$25.0010/1/2010 4:49:00 PM
geniusj$25.00$25.0010/1/2010 7:27:47 PM
Easystreet$25.00$25.0010/1/2010 5:03:37 PM
bigphish$25.00$25.0010/1/2010 9:53:01 PM
shur$25.00$25.0010/1/2010 7:43:02 PM
kindness-saver$50.00$50.0010/1/2010 10:02:50 PM
loan-adventurer7$50.00$50.0010/2/2010 12:55:58 AM
brother_tam$50.00$50.0010/2/2010 4:12:55 AM
AFairDeal$25.00$25.0010/2/2010 1:42:49 AM
Oakland$50.00$50.0010/2/2010 5:44:36 AM
poetic-diversification$250.00$250.0010/2/2010 3:16:32 AM
alpinaut$25.00$25.0010/2/2010 6:08:04 AM
Mindful7$25.00$25.0010/2/2010 5:33:55 AM
CLoViq$50.00$50.0010/2/2010 6:27:51 AM
loss-of-control$50.00$50.0010/2/2010 8:58:22 AM
new-social-economist$50.00$50.0010/2/2010 10:27:54 AM
CSinvestments$25.00$25.0010/2/2010 8:28:19 AM
BankofAdonai$25.00$25.0010/2/2010 8:34:16 AM
palmdelino$25.00$25.0010/2/2010 8:35:08 AM
stoopidnoodle$25.00$25.0010/2/2010 9:07:47 AM
OCedHrt$25.00$25.0010/2/2010 9:37:44 AM
deal-mover$25.00$25.0010/2/2010 9:53:01 AM
kahn42$25.00$25.0010/2/2010 4:53:19 PM
Ven58$25.00$25.0010/2/2010 8:18:51 PM
buckyhead2000$25.00$25.0010/2/2010 10:18:51 PM
pbo922$50.00$50.0010/3/2010 5:47:51 AM
TigerForce$25.00$25.0010/3/2010 10:18:42 AM
ericgassercom$50.00$50.0010/3/2010 1:37:53 PM
retirementlady$25.00$25.0010/3/2010 1:49:56 PM
successful-wealth7$25.00$25.0010/3/2010 1:02:46 PM
DeutscheBank$25.00$25.0010/3/2010 1:52:52 PM
gold-disk$50.00$50.0010/3/2010 11:48:03 AM
want2race$25.00$25.0010/3/2010 1:47:42 PM
return-percolator8$37.09$37.0910/3/2010 4:53:43 PM
golden-bid9$31.07$31.0710/3/2010 1:08:00 PM
RyanTH9893$25.00$25.0010/3/2010 6:24:50 PM
brightest-income-hunter$25.00$25.0010/3/2010 6:47:57 PM
patriot384$360.00$360.0010/3/2010 7:18:34 PM
Loan_shark718$40.00$40.0010/3/2010 8:17:30 PM
Saleen06$75.00$75.0010/3/2010 9:29:02 PM
tsui517$25.00$25.0010/3/2010 10:52:54 PM
bnl42$37.50$37.5010/3/2010 7:47:01 PM
boxflyer1$50.00$50.0010/4/2010 4:52:56 AM
Saleen06$25.00$25.0010/3/2010 8:48:23 PM
wwwUniversal$25.00$25.0010/4/2010 1:44:42 AM
well-mannered-income3$75.00$75.0010/4/2010 8:30:39 AM
atlas100$50.00$50.0010/4/2010 8:39:46 AM
Astyanax$100.00$100.0010/4/2010 9:56:52 AM
slwholesales$34.27$34.2710/4/2010 10:50:21 AM
fair_rates$25.00$25.0010/4/2010 9:52:47 AM
wealth-equilibrium0$50.00$50.0010/4/2010 1:45:46 PM
Peterman$25.00$25.0010/4/2010 1:08:26 PM
foofightee$25.00$25.0010/4/2010 2:07:29 PM
rescue$100.00$100.009/27/2010 3:22:03 PM
schpere$75.00$75.009/27/2010 3:27:18 PM
radforj22$25.00$25.009/27/2010 3:27:58 PM
DRA-Properties$25.00$25.009/27/2010 3:32:15 PM
studious-bonus7$100.00$100.009/27/2010 3:33:24 PM
AF-Chief$50.00$50.009/27/2010 3:29:41 PM
authentic-liberty7$50.00$50.009/27/2010 3:33:32 PM
handshake5$100.00$100.009/27/2010 3:33:44 PM
jigsaw$100.00$100.009/27/2010 3:34:00 PM
jazzlender$25.00$25.009/27/2010 3:36:20 PM
Tomeus$75.00$75.009/27/2010 3:36:29 PM
generous-deal6$50.00$50.009/27/2010 3:34:30 PM
mtquan$25.00$25.009/27/2010 3:34:49 PM
simplelender80$250.00$250.009/27/2010 3:33:02 PM
enthralling-deal180$100.00$100.009/27/2010 3:33:52 PM
mike_banker$50.00$50.009/27/2010 3:40:05 PM
shmb6508$100.00$100.009/27/2010 3:35:53 PM
dynrep$25.00$25.009/27/2010 3:38:20 PM
powerful-finance7$25.00$25.009/27/2010 3:44:25 PM
ray1051$25.00$25.009/27/2010 3:39:55 PM
williemc44$50.00$50.009/27/2010 3:51:12 PM
riproaringrapids$25.00$25.009/27/2010 3:50:08 PM
jdwillcox$50.00$50.009/27/2010 3:49:49 PM
herbyman$50.00$50.009/27/2010 3:53:19 PM
NorthernFunds$50.00$50.009/27/2010 3:54:43 PM
george_kaplan$50.00$50.009/27/2010 4:13:55 PM
blue-useful-auction$25.00$25.009/27/2010 5:02:39 PM
Tradesmanlender$25.00$25.009/27/2010 6:47:37 PM
penny-plato$25.00$25.009/27/2010 7:05:47 PM
JustMee$25.00$25.009/27/2010 8:31:29 PM
FinDoc$25.00$25.009/28/2010 12:01:19 AM
CAGE-Investments$25.00$25.009/28/2010 12:47:36 AM
life-is-great$50.00$50.009/28/2010 5:47:26 AM
natural-affluence6$50.00$50.009/28/2010 9:38:29 AM
108lender$100.00$100.009/28/2010 8:52:04 AM
larrybird$150.00$150.009/28/2010 8:57:04 AM
Sol_Invictus$25.00$25.009/28/2010 11:07:33 AM
atwaterville$50.00$50.009/28/2010 12:47:48 PM
efficient-treasure0$25.00$25.009/28/2010 2:44:02 PM
bold-careful-finance$25.00$25.009/28/2010 5:47:07 PM
marketplace-cello5$26.55$26.559/28/2010 7:42:53 PM
nicklds$25.00$25.009/28/2010 6:07:18 PM
peace-maximizer8$25.00$25.009/28/2010 7:28:11 PM
skuba$50.00$50.009/29/2010 12:32:24 AM
ManhattanLender$25.00$25.009/29/2010 8:02:21 AM
Comoparklender$38.87$38.879/29/2010 8:47:49 AM
gallant-economy9$400.00$400.009/29/2010 8:37:58 AM
patriot897$25.55$25.559/29/2010 10:05:58 AM
a-power-amigo$25.00$25.009/29/2010 9:55:39 AM
ramsba$50.00$50.009/29/2010 10:03:30 AM
ClearCut$50.00$50.009/29/2010 12:30:41 PM
hopeful-asset9$25.00$25.009/29/2010 12:47:57 PM
sassykatty$50.00$50.009/29/2010 12:48:14 PM
thrifty-capital$25.00$25.009/29/2010 1:07:13 PM
danthemon35$25.00$25.009/29/2010 2:33:57 PM
CASSHMAN$75.00$75.009/29/2010 1:52:17 PM
christifa$25.00$25.009/29/2010 3:18:17 PM
well-rounded-dinero$29.68$29.689/29/2010 4:24:37 PM
Slipps$25.00$25.009/29/2010 9:42:40 PM
reflective-rupee$125.00$125.009/29/2010 9:32:58 PM
KiwiElf$35.00$35.009/29/2010 11:25:45 PM
credit-kahuna$25.00$25.009/30/2010 1:57:59 AM
Investoman$25.00$25.009/30/2010 5:17:14 AM
upbeat-investment9$50.00$50.009/30/2010 6:12:06 AM
harmonious-moola7$50.00$50.009/30/2010 4:37:45 AM
Artist_Blue$25.00$25.009/30/2010 7:48:54 AM
MoonMama$25.00$25.009/30/2010 10:03:21 AM
yield-aurora$25.00$25.009/30/2010 9:39:29 AM
trade-caper$25.00$25.009/30/2010 9:39:08 AM
peaceonearth2$25.00$25.009/30/2010 9:45:56 AM
6moonbeams$37.06$37.069/30/2010 10:47:16 AM
loan-wasp$33.06$33.069/30/2010 12:18:19 PM
fairness-kayak$50.00$50.009/30/2010 1:13:59 PM
Dallaspat$50.00$50.009/30/2010 12:03:29 PM
lend_to_you$25.00$25.009/30/2010 1:24:54 PM
visionary-currency$34.23$34.239/30/2010 3:06:02 PM
nakane66$50.00$50.009/30/2010 3:42:52 PM
kmwvma$25.00$25.009/30/2010 6:33:13 PM
loot-heart$50.00$50.009/30/2010 6:38:29 PM
bowdish1$50.00$50.009/30/2010 4:47:11 PM
dobied$25.00$25.009/30/2010 4:47:40 PM
InspectaLi23$132.47$132.479/30/2010 4:40:04 PM
BigLinCT$25.00$25.009/30/2010 8:08:08 PM
vollynet$33.68$33.689/30/2010 8:03:55 PM
rmachi$25.00$25.0010/1/2010 1:00:46 AM
poolshark72$25.00$25.009/30/2010 10:35:19 PM
ClearLake$25.00$25.0010/1/2010 1:50:56 AM
laughmotel$50.00$50.009/30/2010 11:28:28 PM
Dubbs360$50.00$50.0010/1/2010 2:06:25 AM
lcole32$25.00$25.0010/1/2010 2:35:54 AM
bxdoc$113.26$113.2610/1/2010 4:48:08 AM
PatRichi$25.00$25.0010/1/2010 4:55:19 AM
Katburg$35.00$35.0010/1/2010 6:13:42 AM
octoberfresh$25.00$25.0010/1/2010 6:40:43 AM
ideal-platinum1$39.07$39.0710/1/2010 6:33:34 AM
credit-coach118$35.00$35.0010/1/2010 8:46:46 AM
Mindful7$25.00$25.0010/1/2010 8:16:37 AM
escharfer$25.00$25.0010/1/2010 9:35:26 AM
cclady$100.00$100.0010/1/2010 10:32:00 AM
treasure-singularity$25.00$25.0010/1/2010 9:35:01 AM
wise-silver-wonder$25.00$25.0010/1/2010 9:37:10 AM
djh47a$25.00$25.0010/1/2010 9:38:47 AM
pythia$25.00$25.0010/1/2010 10:13:05 AM
reasonable-transaction7$25.00$25.0010/1/2010 10:04:25 AM
agalt$100.00$100.0010/1/2010 10:22:48 AM
orange-resolute-platinum$25.00$25.0010/1/2010 1:33:13 PM
trade-elm$30.00$30.0010/1/2010 12:38:24 PM
lostontheedge$25.00$25.0010/1/2010 3:03:59 PM
red-adaptable-funds$50.00$50.0010/1/2010 3:29:40 PM
mattpet$25.00$25.0010/1/2010 4:22:47 PM
worldly-community3$50.00$50.0010/1/2010 6:17:50 PM
lendingfrog$50.00$50.0010/1/2010 4:42:56 PM
Cherrypicker$25.00$25.0010/1/2010 8:03:19 PM
newegg$50.00$50.0010/1/2010 7:07:53 PM
iNet_Investor$25.00$25.0010/1/2010 9:18:03 PM
tntmojave$25.00$25.0010/2/2010 2:13:05 AM
loan-adventurer7$36.00$36.0010/1/2010 11:39:39 PM
rockhound84$25.00$25.0010/2/2010 2:31:52 AM
ualf$29.19$29.1910/2/2010 1:42:55 AM
junctionking$25.00$25.0010/2/2010 4:23:44 AM
nanda$50.00$50.0010/2/2010 3:19:09 AM
soulwork$25.00$25.0010/2/2010 7:32:46 AM
szetheli$155.00$155.0010/2/2010 10:36:52 AM
turbine5$28.52$28.5210/2/2010 2:48:48 PM
DrNano$50.00$50.0010/2/2010 11:56:07 AM
moola-wildebeest3$50.00$50.0010/2/2010 3:14:10 PM
Preferred-Lender$25.00$25.0010/2/2010 2:17:54 PM
bowerz$25.00$25.0010/2/2010 5:42:49 PM
Gobsek$25.00$25.0010/2/2010 6:57:26 PM
brondero$25.00$25.0010/3/2010 12:53:41 AM
lukeskywalkerkp$25.00$25.0010/3/2010 12:11:36 AM
jdnyguy$100.00$100.0010/3/2010 6:16:13 AM
TomProsper$25.00$25.0010/3/2010 8:52:49 AM
sarisai$50.00$50.0010/2/2010 11:49:20 PM
ti22ring$30.00$30.0010/3/2010 11:17:53 AM
focused-dime8$30.00$30.0010/3/2010 7:12:53 AM
economy-popcorn$25.00$25.0010/3/2010 11:17:56 AM
triumph329$38.08$38.0810/3/2010 1:02:42 PM
excellent-greenback$25.00$25.0010/3/2010 1:02:43 PM
culldud6900$54.77$54.7710/3/2010 1:50:24 PM
leverage-reaction$25.00$25.0010/3/2010 1:16:59 PM
XopherMV$25.00$25.0010/3/2010 11:32:48 AM
magnetic-kindness$25.00$25.0010/3/2010 3:07:56 PM
Mariner3605$29.26$29.2610/3/2010 3:37:41 PM
murlirao2002$25.00$25.0010/3/2010 4:19:16 PM
Ripsaw4U$47.76$47.7610/3/2010 6:07:43 PM
leeball$28.36$28.3610/3/2010 6:14:04 PM
tender-commerce8$400.00$400.0010/3/2010 2:54:58 PM
MattProsper$60.00$60.0010/3/2010 6:51:39 PM
trumpeter5$50.00$50.0010/3/2010 3:55:02 PM
Frenchynh$25.00$25.0010/3/2010 5:27:46 PM
best-generosity-financier$40.00$40.0010/3/2010 6:28:20 PM
mooselegs19$50.00$50.0010/3/2010 6:47:55 PM
dough-destiny$25.00$25.0010/3/2010 6:02:47 PM
IIP77$25.00$25.0010/3/2010 6:17:44 PM
lucrative-coin$50.00$50.0010/3/2010 6:25:17 PM
bodascafe$25.00$25.0010/3/2010 9:57:55 PM
Clambake$35.26$35.2610/3/2010 9:57:57 PM
fred55555$25.00$25.0010/4/2010 6:40:43 AM
fairness-cub5$25.00$25.0010/3/2010 11:07:11 PM
gokart83$25.00$18.1310/4/2010 4:23:21 AM
reflective-rupee$125.00$125.0010/4/2010 8:21:55 AM
studious-value8$25.00$25.0010/4/2010 10:00:28 AM
revenue-sapling$100.00$100.0010/4/2010 9:05:46 AM
icanhelpyouout$25.00$25.0010/4/2010 9:17:08 AM
Big_Funder$28.01$28.0110/4/2010 11:44:10 AM
DasMula$25.00$25.0010/4/2010 10:59:56 AM
dinero-vista2$100.00$100.0010/4/2010 12:03:24 PM
gilbrear$25.00$25.0010/4/2010 12:18:11 PM
mgking007$25.00$25.0010/4/2010 11:27:57 AM
rockhound84$25.00$25.0010/4/2010 2:06:47 PM
AM2171$25.00$25.0010/4/2010 3:15:59 PM
wealth-samaritan2$25.00$25.0010/4/2010 2:53:08 PM
Engineer44$25.00$25.0010/4/2010 3:17:31 PM
321 bids
 
Borrower Payment Dependent Notes Series 477401
This series of Notes was issued and sold upon the funding of the borrower loan #44840, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0% Auction start date:  Sep-28-2010 
  Auction end date:  Oct-05-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 20.77% Starting monthly payment: $34.74
Final lender yield: 9.65% Final borrower rate/APR: 10.65% / 16.12% Final monthly payment: $32.57
 
Auction yield range: 5.79% - 14.15% Estimated loss impact: 6.10%  
Lender servicing fee: 1.00% Estimated return: 3.55%  
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): 8 First credit line: Dec-1988 Debt/Income ratio: Not calculated
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 27Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,872 
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: justice-collector Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Improve Credit Rating
Purpose of loan:
This loan will be used to?improve my credit rating and to invest the one thousand dollors in Prosper?at a rate that is the same as my loan rate. The credit card debt I have is to Home Depot but I pay no intrest for one year. Will pay it off before one year.

My financial situation:
I am a good candidate for this loan because? I always make my payments on time. I have funds in savings to pay this loan off.

Monthly net income: $ 2,200

Monthly expenses: $
??Housing: $ 550
??Insurance: $ 90
??Car expenses: $300
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $400
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
JGuide$26.16$26.1610/2/2010 4:32:02 PM
doc1$150.00$150.0010/4/2010 7:43:48 PM
Socorro_Capital_Partners$25.00$25.0010/5/2010 12:48:01 AM
maccpro1$50.00$50.0010/5/2010 7:49:21 AM
Astyanax$75.00$75.0010/5/2010 9:58:03 AM
doopers$25.00$25.0010/5/2010 10:41:01 AM
amlu1988$25.00$25.0010/5/2010 12:32:19 PM
biffmush$250.00$48.8410/5/2010 2:19:25 PM
blue-useful-auction$25.00$25.0010/5/2010 2:20:03 PM
rome1426$25.00$25.009/29/2010 4:49:49 PM
marwadi-62$300.00$300.009/30/2010 6:46:49 PM
Johnab$25.00$25.0010/3/2010 10:50:50 AM
loanman2007$50.00$50.0010/4/2010 5:05:58 AM
Earn_money$25.00$25.0010/4/2010 9:01:35 AM
GALERXLoans$50.00$50.0010/5/2010 7:50:44 AM
grampy48$25.00$25.0010/5/2010 2:07:51 PM
RecoveryLender$25.00$25.0010/5/2010 10:02:56 AM
quiggles$25.00$25.0010/5/2010 12:40:29 PM
18 bids
 
Borrower Payment Dependent Notes Series 477925
This series of Notes was issued and sold upon the funding of the borrower loan #44869, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,900.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0% Auction start date:  Oct-01-2010 
  Auction end date:  Oct-08-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $343.91
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $343.91
 
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): 9 First credit line: Jan-1991 Debt/Income ratio: 12%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,852Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: basis-piccolo0 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
basis-piccolo0
Purpose of loan:
This loan will be used to?

Hello,

Thank you for your consideration!?

I have a high interest credit card that I would like to pay off.

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

1.? I have never, ever made a late payment on any sort of loan.? I take my debts seriously.
2.? I have around $2500 a month in disposable income.? So, a $350 payment is not an issue.


Monthly net income: $ 6,500

Monthly expenses: $
??Housing: $ 1570
??Insurance: $ 100
??Car expenses: $ 470
??Utilities: $ 70
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
authentic-liberty7$25.00$25.0010/1/2010 2:20:23 PM
shmb6508$100.00$100.0010/1/2010 2:23:42 PM
Gabriel02$25.00$25.0010/1/2010 2:23:47 PM
rescue$100.00$100.0010/1/2010 2:18:46 PM
jazzlender$25.00$25.0010/1/2010 2:23:52 PM
bountiful-durability$100.00$100.0010/1/2010 2:20:12 PM
VAGweilo$50.00$50.0010/1/2010 2:20:41 PM
JohnGalt79$100.00$100.0010/1/2010 2:26:04 PM
jigsaw$100.00$100.0010/1/2010 2:23:25 PM
bowdish1$50.00$50.0010/1/2010 2:27:18 PM
orgy63$25.00$25.0010/1/2010 2:24:17 PM
jdwillcox$50.00$50.0010/1/2010 2:24:36 PM
Aimvest$25.00$25.0010/1/2010 2:28:55 PM
psa1995$50.00$50.0010/1/2010 2:24:57 PM
thrifty-capital$25.00$25.0010/1/2010 2:26:01 PM
mla$25.00$25.0010/1/2010 2:26:39 PM
objective-investor$100.00$100.0010/1/2010 2:25:59 PM
peripatetic$25.00$25.0010/1/2010 2:27:09 PM
irrelevant$25.00$25.0010/1/2010 2:28:29 PM
the-profit-oracle$25.00$25.0010/1/2010 2:28:17 PM
blue-useful-auction$25.00$25.0010/1/2010 2:43:58 PM
dt_one$25.00$25.0010/1/2010 2:46:58 PM
Interstate_Rate$100.00$100.0010/1/2010 2:47:03 PM
first-class-note0$25.00$25.0010/1/2010 3:28:11 PM
laudable-balance$25.00$25.0010/1/2010 3:28:15 PM
tucksta$25.00$25.0010/1/2010 3:28:27 PM
Opportunity4you$25.00$25.0010/1/2010 3:28:41 PM
shrewd-peace7$40.00$40.0010/1/2010 3:28:50 PM
nybanker85$35.00$35.0010/1/2010 3:29:04 PM
balanced-bill7$50.00$50.0010/1/2010 3:29:19 PM
TMillard$25.00$25.0010/1/2010 3:29:25 PM
gethsemane4$25.00$25.0010/1/2010 3:29:46 PM
RandyL3$25.00$25.0010/1/2010 3:31:30 PM
Erikdbp$25.00$25.0010/1/2010 3:13:15 PM
industrious-dedication$25.00$25.0010/1/2010 3:28:18 PM
Unclejohn$30.00$30.0010/1/2010 3:28:19 PM
SBT$50.00$50.0010/1/2010 3:28:36 PM
notyourdaddy$25.00$25.0010/1/2010 3:28:40 PM
HedgeFund$48.18$48.1810/1/2010 3:29:02 PM
cpbreton$25.00$25.0010/1/2010 3:29:21 PM
TIC0331$50.00$50.0010/1/2010 3:28:07 PM
jengachamp$25.00$25.0010/1/2010 3:28:16 PM
srilm$25.00$25.0010/1/2010 3:29:55 PM
iolaire$25.00$25.0010/1/2010 3:28:25 PM
chestnut4$25.00$25.0010/1/2010 3:30:01 PM
inspired-finance$50.00$50.0010/1/2010 3:28:43 PM
asset-professor$50.00$50.0010/1/2010 3:30:08 PM
bodascafe$25.00$25.0010/1/2010 3:28:52 PM
nycfinance$25.00$25.0010/1/2010 3:30:12 PM
worldly-community3$50.00$50.0010/1/2010 3:29:21 PM
dschaaf$25.00$25.0010/1/2010 3:29:44 PM
green-moola-sniffer$50.00$50.0010/1/2010 3:57:46 PM
elegant-bonus$25.00$25.0010/1/2010 3:30:05 PM
lendingfrog$50.00$50.0010/1/2010 4:52:58 PM
visionary-community$25.00$25.0010/1/2010 4:53:00 PM
loan-adventurer7$36.00$36.0010/1/2010 11:39:20 PM
schnatty$25.00$25.0010/2/2010 1:59:23 AM
crmoir$25.00$25.0010/2/2010 1:49:15 AM
macgeek$36.01$36.0110/2/2010 1:50:33 AM
marketplace-cello5$50.00$50.0010/2/2010 12:13:53 AM
Usurious$25.00$25.0010/2/2010 1:58:30 AM
icecoldcash$33.42$33.4210/2/2010 2:00:30 AM
Sol_Invictus$25.00$25.0010/2/2010 5:14:13 AM
ArmyGuy$25.00$25.0010/2/2010 1:40:29 AM
gold-channel2$46.57$46.5710/2/2010 7:47:43 AM
orbital-transparency$25.00$17.9910/2/2010 1:17:44 PM
tolerant-dinero2$25.00$25.0010/2/2010 9:59:27 AM
wise-bonus-honker$50.00$50.0010/2/2010 11:47:46 AM
cclady$100.00$100.0010/2/2010 12:28:16 PM
jdnyguy$50.00$50.0010/3/2010 6:38:20 AM
Bcs-cnc$50.00$50.0010/3/2010 7:40:56 AM
lm75$25.00$25.0010/3/2010 3:29:18 PM
Daubertoo$25.00$25.0010/4/2010 2:26:30 PM
respectful-integrity3$25.00$25.0010/6/2010 8:47:31 AM
calbertrand$25.00$25.0010/6/2010 6:52:03 AM
rainbowsorbet$25.00$25.0010/6/2010 10:05:19 AM
shrewd-benjamins$50.00$50.0010/6/2010 10:22:35 AM
patriot384$360.00$360.0010/6/2010 1:35:38 PM
ethicalhumanist$50.00$50.0010/6/2010 2:33:52 PM
rockhound84$25.00$25.0010/6/2010 2:56:10 PM
durability-high-five$25.00$25.0010/6/2010 5:27:26 PM
LibbyZ$50.00$50.0010/6/2010 6:47:50 PM
hidavehi$27.00$27.0010/6/2010 6:59:13 PM
friendinmoney$25.00$25.0010/6/2010 8:57:43 PM
jcw3rd$25.00$25.0010/6/2010 5:45:44 PM
Peterman$25.00$25.0010/7/2010 12:53:35 PM
Leshan$50.00$50.0010/7/2010 6:00:54 PM
macotra4$43.30$43.3010/7/2010 9:14:49 PM
nashibaksi$25.00$25.0010/7/2010 8:25:01 PM
jc33148$50.00$50.0010/7/2010 8:30:08 PM
worth-victor6$25.00$25.0010/7/2010 5:03:56 PM
MattProsper$60.00$60.0010/7/2010 8:26:33 PM
squarebob$25.00$25.0010/8/2010 5:21:59 AM
octoberfresh$25.00$25.0010/8/2010 6:02:01 AM
kind-bid-genome$25.00$25.0010/8/2010 11:16:37 AM
grampy48$25.00$25.0010/8/2010 8:26:30 AM
trumpeter5$50.00$50.0010/8/2010 11:52:42 AM
social-zebra$30.00$30.0010/8/2010 12:24:12 PM
AM2171$25.00$25.0010/8/2010 12:52:46 PM
trustworthy-finance6$150.00$150.0010/8/2010 9:43:26 AM
wealth-multiplier$25.00$25.0010/8/2010 10:02:03 AM
BankofBeth$25.00$25.0010/8/2010 1:36:27 PM
surferdude$50.00$50.0010/8/2010 1:17:27 PM
power-secret-agent$25.00$25.0010/8/2010 10:40:19 AM
Johnab$25.00$25.0010/8/2010 11:38:05 AM
tomdooley12520$25.00$25.0010/8/2010 1:13:30 PM
simplelender80$250.00$250.0010/1/2010 2:23:15 PM
studious-bonus7$100.00$100.0010/1/2010 2:23:22 PM
mike_banker$50.00$50.0010/1/2010 2:24:20 PM
agiovasil$25.00$25.0010/1/2010 2:21:14 PM
mtp$50.00$50.0010/1/2010 2:25:42 PM
DRA-Properties$25.00$25.0010/1/2010 2:23:08 PM
JoyfulVegetarian$25.00$25.0010/1/2010 2:26:29 PM
bid-czar8$100.00$100.0010/1/2010 2:23:30 PM
ichibon$150.00$150.0010/1/2010 2:23:36 PM
dollardave$100.00$100.0010/1/2010 2:27:28 PM
Tomeus$75.00$75.0010/1/2010 2:23:56 PM
herbyman$50.00$50.0010/1/2010 2:24:40 PM
kmr2$200.00$200.0010/1/2010 2:24:49 PM
Weaverville$50.00$50.0010/1/2010 2:29:10 PM
larrybird$150.00$150.0010/1/2010 2:25:12 PM
red-robust-rupee$25.00$25.0010/1/2010 2:25:21 PM
radforj22$25.00$25.0010/1/2010 2:26:06 PM
nicklds$25.00$25.0010/1/2010 2:25:35 PM
skuba$50.00$50.0010/1/2010 2:25:52 PM
papaloha$25.00$25.0010/1/2010 2:26:14 PM
teller$50.00$50.0010/1/2010 2:26:18 PM
tech310$50.00$50.0010/1/2010 2:27:56 PM
hookUup$25.00$25.0010/1/2010 2:27:21 PM
escharfer$25.00$25.0010/1/2010 2:28:52 PM
AF-Chief$25.00$25.0010/1/2010 2:46:46 PM
danthemon35$25.00$25.0010/1/2010 2:50:53 PM
ramblin$50.00$50.0010/1/2010 2:54:55 PM
runner262$25.00$25.0010/1/2010 3:04:27 PM
Serp$25.00$25.0010/1/2010 3:28:09 PM
Luv2Bless$50.00$50.0010/1/2010 3:28:12 PM
dumbass$25.00$25.0010/1/2010 3:28:22 PM
californiakhan$25.00$25.0010/1/2010 3:28:48 PM
Randini$50.00$50.0010/1/2010 3:29:13 PM
russm011$25.00$25.0010/1/2010 3:29:22 PM
Panna$25.00$25.0010/1/2010 3:29:51 PM
mtquan$25.00$25.0010/1/2010 3:29:53 PM
fopaul13$25.00$25.0010/1/2010 3:29:56 PM
FG9YTR$25.00$25.0010/1/2010 3:30:03 PM
helpinghand63$39.12$39.1210/1/2010 3:30:14 PM
Palacios$26.95$26.9510/1/2010 3:30:22 PM
a-finance-nirvana$25.00$25.0010/1/2010 3:31:26 PM
smart-leverage7$50.00$50.0010/1/2010 3:28:14 PM
tranquil-diversification8$25.00$25.0010/1/2010 3:28:23 PM
market-solstice2$25.00$25.0010/1/2010 3:28:38 PM
talang$25.00$25.0010/1/2010 3:28:47 PM
markgm$25.00$25.0010/1/2010 3:28:13 PM
thomkozik$50.00$50.0010/1/2010 3:28:17 PM
HHP$25.00$25.0010/1/2010 3:29:49 PM
point-shooter$25.00$25.0010/1/2010 3:28:24 PM
tranquil-return4$25.00$25.0010/1/2010 3:29:58 PM
phaded$25.00$25.0010/1/2010 3:30:02 PM
mg6619$25.00$25.0010/1/2010 3:28:46 PM
tylerfd$25.00$25.0010/1/2010 3:30:10 PM
jdrez$25.00$25.0010/1/2010 3:29:00 PM
kegs$150.00$150.0010/1/2010 3:31:07 PM
MissionMicroFinance$25.00$25.0010/1/2010 3:29:45 PM
vegibenz$25.00$25.0010/1/2010 3:29:55 PM
InvestorPartners$25.00$25.0010/1/2010 3:30:00 PM
helpful-dough$50.00$50.0010/1/2010 3:30:07 PM
yukongin$27.35$27.3510/1/2010 3:30:20 PM
Ocean713$50.00$50.0010/1/2010 3:31:31 PM
penny-plato$25.00$25.0010/1/2010 4:19:16 PM
ml13$50.00$50.0010/1/2010 7:12:51 PM
China0813$25.00$25.0010/2/2010 1:40:02 AM
iLoaner$25.00$25.0010/1/2010 10:39:08 PM
cablenews$38.77$38.7710/1/2010 10:58:03 PM
meteoric-trade$25.00$25.0010/2/2010 2:11:10 AM
himanshuko$25.00$25.0010/2/2010 2:12:29 AM
VIGSY$44.07$44.0710/2/2010 1:49:46 AM
simpy$25.00$25.0010/2/2010 1:59:41 AM
lloyd_s$25.00$25.0010/2/2010 12:47:56 AM
ms48105$25.00$25.0010/2/2010 1:49:56 AM
lending_well$25.00$25.0010/2/2010 6:52:56 AM
atwaterville$50.00$50.0010/2/2010 8:33:22 AM
nletunic$50.00$50.0010/2/2010 8:37:53 AM
Moneypenny6$25.00$25.0010/2/2010 12:31:11 PM
romario$25.00$25.0010/2/2010 5:27:46 PM
wealth-samaritan2$25.00$25.0010/3/2010 5:11:06 PM
ClearCut$28.81$28.8110/4/2010 11:14:31 AM
credit-coach118$25.00$25.0010/4/2010 3:58:07 PM
sosleep$25.00$25.0010/5/2010 2:55:18 PM
evildutchman$50.00$50.0010/5/2010 6:12:25 PM
MoneyTree79$52.94$52.9410/5/2010 6:46:23 PM
totoro$25.00$25.0010/6/2010 12:39:31 AM
crippledcircus$25.00$25.0010/6/2010 6:17:50 AM
active-wealth3$50.00$50.0010/6/2010 10:46:46 AM
FinanceEngine$25.00$25.0010/6/2010 2:24:23 PM
Techne_Funds_LLC$25.00$25.0010/6/2010 6:24:39 PM
bxdoc$175.00$175.0010/7/2010 4:52:53 AM
greekgst99$25.00$25.0010/7/2010 9:50:00 AM
TakeCare$50.00$50.0010/7/2010 9:43:04 AM
SkinnyFish$50.00$50.0010/7/2010 3:03:35 PM
commerce-proton1$50.00$50.0010/7/2010 3:56:11 PM
mpatrick$25.00$25.0010/7/2010 5:19:01 PM
repaymeplease$25.00$25.0010/7/2010 6:29:48 PM
loan-adventurer7$250.00$250.0010/8/2010 12:36:29 AM
arkleseizure$25.00$25.0010/8/2010 8:31:24 AM
Minotaur$25.00$25.0010/8/2010 8:47:29 AM
wkeboarder21$100.00$100.0010/8/2010 10:07:46 AM
credit-kahuna$50.00$50.0010/8/2010 11:02:03 AM
ManhattanLender$50.00$50.0010/8/2010 11:02:20 AM
moola-accelerator6$25.00$25.0010/8/2010 11:07:50 AM
DasMula$25.00$25.0010/8/2010 11:50:23 AM
mgking007$25.00$25.0010/8/2010 11:41:11 AM
Paxman84$25.00$25.0010/8/2010 12:23:12 PM
the-silver-blaster$33.52$33.5210/8/2010 12:27:47 PM
tr-doc$200.00$200.0010/8/2010 12:30:45 PM
truelumen$25.00$25.0010/8/2010 10:21:47 AM
brightest-dignified-penny$25.00$25.0010/8/2010 10:40:03 AM
Astyanax$100.00$100.0010/8/2010 1:35:46 PM
ProudDad$50.00$50.0010/8/2010 1:42:48 PM
myduck$40.00$40.0010/8/2010 11:04:21 AM
toomanyfishtanks$25.00$25.0010/8/2010 12:55:41 PM
AK49-JW$50.00$50.0010/8/2010 1:04:05 PM
SkyLoan$25.00$25.0010/8/2010 1:24:10 PM
cybercop45$25.00$25.0010/8/2010 1:29:40 PM
kapahua$50.00$50.0010/8/2010 1:51:19 PM
223 bids
 
Borrower Payment Dependent Notes Series 478021
This series of Notes was issued and sold upon the funding of the borrower loan #44875, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3% Auction start date:  Oct-04-2010 
  Auction end date:  Oct-11-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 28.50% Final monthly payment: $119.28
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 19.68%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
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): 6 First credit line: Sep-1995 Debt/Income ratio: 12%
Credit score: 600-619 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 8 / 6Length of status:2y 3m
Amount delinquent: $2,591 Total credit lines: 32 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $359Stated income:$75,000-$99,999
Delinquencies in last 7y: 21 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: Cleon Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
560-579 (Dec-2007)
560-579 (Oct-2006)
 
Principal balance: $0.05 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Paying off medical bills
Purpose of loan:
I intend to pay off approximately $2,500 in debt for medical bills.

My financial situation:
I am a full-time, salaried employee working for a health care firm that is in an extremely stable situation. I've been current on all installment and revolving accounts for over two years; my previous Prosper loan was paid off, in full, without a single missed or late payment. I recently accumulated about $2,500 in debt for treatment of severe sleep apnea and other conditions.

Monthly net income: $ 4,600

Monthly expenses: $ 2,700
??Housing: $ 1,200
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 150
? Credit cards and other loans: $ 200
??Other expenses: $ 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
Q: Hi there, could you explain the current and past delinquencies? Thanks and good luck with this loan. - green-rapid-openness
A: The current delinquencies are the medical bills I am attempting to pay off with this loan. As for the past delinquencies: Following the dot-com bust, I spent some time unemployed. My debts built up, and when I found work again I was making half of what I'd been making before. It wasn't until 2005 or so that I began to climb out of the hole, and by 2007 I'd improved enough to get a mortgage (which I've never missed a payment on). (Oct-05-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alexgalt$100.00$100.0010/4/2010 2:39:47 PM
Kash2010lu$35.00$35.0010/5/2010 6:22:23 PM
_SCI_$25.00$25.0010/5/2010 6:53:25 PM
golffish2$100.00$100.0010/8/2010 7:46:08 AM
Aberdeen$330.17$330.1710/7/2010 11:40:47 PM
golffish2$200.00$200.0010/8/2010 9:55:43 AM
DasMula$25.00$25.0010/9/2010 6:05:06 AM
niq4soccer$25.00$25.0010/9/2010 12:34:26 PM
sweety075$25.00$25.0010/9/2010 4:45:41 PM
LeverageLender$25.00$25.0010/9/2010 7:48:05 AM
SkinnyFish$25.00$25.0010/10/2010 1:48:10 PM
autoconnection$25.00$25.0010/10/2010 6:22:05 AM
Moe87$25.00$25.0010/10/2010 6:37:51 AM
fireferd$40.00$40.0010/11/2010 7:15:25 AM
credit-missile$25.00$25.0010/11/2010 8:03:01 AM
Johnab$26.00$26.0010/11/2010 11:30:41 AM
illinois_joe$26.98$26.9810/11/2010 2:09:39 PM
minnesotafinancial$25.00$25.0010/11/2010 8:01:57 AM
credit-missile$25.00$25.0010/11/2010 8:11:35 AM
grampy48$25.00$25.0010/11/2010 1:52:37 PM
undaunted-agreement$30.00$30.0010/11/2010 2:37:06 PM
dudebrah$25.00$25.0010/11/2010 2:19:03 PM
supreme-hope$25.00$25.0010/11/2010 2:26:24 PM
red-adaptable-funds$75.00$75.0010/11/2010 2:31:50 PM
money-fort$35.00$35.0010/11/2010 2:34:59 PM
UCLA4life$50.00$50.0010/11/2010 1:44:29 PM
loanman2007$50.00$50.0010/7/2010 5:45:23 AM
portfolio-turbine$25.00$25.0010/8/2010 5:07:32 AM
marwadi-62$300.00$300.0010/8/2010 3:16:45 PM
bughead$25.00$25.0010/8/2010 7:13:13 PM
Aberdeen$400.00$400.0010/9/2010 2:46:39 AM
jhouman$25.00$25.0010/9/2010 2:50:38 AM
genuine-integrity0$25.00$25.0010/9/2010 6:51:03 AM
labyrinth0$25.00$25.0010/9/2010 9:05:33 AM
the-serene-transaction$46.96$46.9610/9/2010 9:46:56 AM
SolarMoonshine$25.00$25.0010/10/2010 3:53:12 PM
dslobbs$27.45$27.4510/10/2010 8:07:23 PM
JGuide$26.66$26.6610/10/2010 5:38:15 PM
credit-missile$25.00$25.0010/11/2010 8:03:24 AM
principal-lion$150.00$150.0010/11/2010 1:53:49 PM
american-investor$27.05$27.0510/11/2010 1:58:14 PM
credit-missile$25.00$25.0010/11/2010 8:02:28 AM
ultimate-peace$62.00$62.0010/11/2010 1:48:10 PM
atlas100$50.00$50.0010/11/2010 2:37:26 PM
Leshan$122.13$122.1310/11/2010 8:28:13 AM
nerlands$25.00$25.0010/11/2010 8:54:04 AM
credit-missile$25.00$25.0010/11/2010 1:12:02 PM
papaloha$1,000.00$39.6010/11/2010 1:49:01 PM
WonByOne$50.00$50.0010/11/2010 2:16:48 PM
49 bids
 
Borrower Payment Dependent Notes Series 478255
This series of Notes was issued and sold upon the funding of the borrower loan #44843, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6% Auction start date:  Oct-05-2010 
  Auction end date:  Oct-11-2010 
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $314.52
Final lender yield: 7.25% Final borrower rate/APR: 8.25% / 8.59% Final monthly payment: $314.52
 
Auction yield range: 2.71% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-1999 Debt/Income ratio: 8%
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,117Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: likethebean 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
Debt Consolidation
Purpose of loan:
This loan will be used to? consolidate debt accumulated by both my wife and myself.? We were just married in May, and during the process of planning our wedding and honeymoon took on a good deal of credit card debt.? We are now looking to consolidate that debt.

My financial situation:
I am a good candidate for this loan because?I have a good job as a software developer, and a good credit history.? Also, my wife also has a stable job with a software development company.
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's a list your monthly expenses set against yours and your wife's combined monthly income? - elevated-fund5
A: Are monthly income is roughly $1,000 - $1,500 more than our expenses right now. (Oct-06-2010)
Q: How large (no. of employees) is your employer? - one-midas
A: My employer is about 350 people. (Oct-06-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Octavian315$35.00$35.0010/5/2010 2:49:24 PM
mjunlimited$50.00$50.0010/5/2010 2:50:18 PM
kmcolo$25.00$25.0010/5/2010 2:52:48 PM
point-zebra$50.00$50.0010/5/2010 2:55:37 PM
commerce-voyager$25.00$25.0010/5/2010 2:57:35 PM
point-shooter$50.00$50.0010/5/2010 2:58:36 PM
auction-elvis$25.00$25.0010/5/2010 2:49:20 PM
nicklds$100.00$100.0010/5/2010 3:10:03 PM
radforj22$100.00$100.0010/5/2010 3:09:39 PM
cebgop$25.00$25.0010/5/2010 3:10:47 PM
DukSerduk$25.00$25.0010/5/2010 3:10:33 PM
alpinaut$30.00$30.0010/5/2010 3:11:43 PM
Captain88$25.00$25.0010/5/2010 3:12:13 PM
Emgolda$25.00$25.0010/5/2010 3:11:27 PM
Rivervale_Westwood$25.00$25.0010/5/2010 3:12:21 PM
riproaringrapids$25.00$25.0010/5/2010 3:12:06 PM
life-is-great$50.00$50.0010/5/2010 3:12:21 PM
generous-deal6$50.00$50.0010/5/2010 3:12:31 PM
duty-windmill$25.00$25.0010/5/2010 3:12:42 PM
magical-greenback$50.00$50.0010/5/2010 3:13:12 PM
larrybird$150.00$150.0010/5/2010 3:13:14 PM
yukongin$50.00$50.0010/5/2010 3:13:19 PM
numitor$50.00$50.0010/5/2010 2:55:42 PM
bold-yield-rumbler$25.00$25.0010/5/2010 3:14:13 PM
LAKESPRING$25.00$25.0010/5/2010 3:13:47 PM
blot44$25.00$25.0010/5/2010 3:14:26 PM
Railbird$25.00$25.0010/5/2010 3:14:41 PM
happyjackbak$35.00$35.0010/5/2010 2:57:05 PM
Marathoner$25.00$25.0010/5/2010 3:14:58 PM
jazzlender$25.00$25.0010/5/2010 3:15:16 PM
spiritual-bonus9$50.00$50.0010/5/2010 3:16:20 PM
cool_kubera$50.00$50.0010/5/2010 3:16:29 PM
economy-orchid$30.00$30.0010/5/2010 3:16:10 PM
peerlender$25.00$25.0010/5/2010 3:16:47 PM
tekkie2412$50.00$50.0010/5/2010 3:16:14 PM
exact-gold2$50.00$50.0010/5/2010 3:00:35 PM
eadamson$50.00$50.0010/5/2010 3:17:21 PM
Timchenko_LLC$25.00$25.0010/5/2010 3:17:30 PM
excalibur$50.00$50.0010/5/2010 3:18:38 PM
wormdc$25.00$25.0010/5/2010 3:18:53 PM
lendingfrog$50.00$50.0010/5/2010 3:18:10 PM
Kame$50.00$50.0010/5/2010 3:19:08 PM
commanding-dollar2$50.00$50.0010/5/2010 3:18:17 PM
unclejaef$25.00$25.0010/5/2010 3:10:42 PM
Avid_Skier$50.00$50.0010/5/2010 3:19:15 PM
marketplace-cello5$50.00$50.0010/5/2010 3:18:21 PM
thezfunk$25.00$25.0010/5/2010 3:19:29 PM
revmax$25.00$25.0010/5/2010 3:19:35 PM
agiovasil$25.00$25.0010/5/2010 3:12:18 PM
murren$25.00$25.0010/5/2010 3:12:25 PM
market-socrates4$50.00$50.0010/5/2010 3:12:38 PM
Castellan$50.00$50.0010/5/2010 3:15:03 PM
jts$25.00$25.0010/5/2010 3:15:13 PM
dtrain5$25.00$25.0010/5/2010 3:15:34 PM
ogmanny$50.00$50.0010/5/2010 3:23:13 PM
kegs$150.00$150.0010/5/2010 3:15:50 PM
Go_Ducks$25.00$25.0010/5/2010 3:16:32 PM
tech310$50.00$50.0010/5/2010 3:16:49 PM
inventive-exchange$25.00$25.0010/5/2010 3:18:05 PM
eyal0$50.00$50.0010/5/2010 3:18:25 PM
tolerant-dinero2$25.00$25.0010/5/2010 3:25:19 PM
balance6$25.00$25.0010/5/2010 3:18:42 PM
DLock99$50.00$50.0010/5/2010 3:18:58 PM
Preferred-Lender$25.00$25.0010/5/2010 3:19:05 PM
Cai8899$28.07$28.0710/5/2010 3:19:18 PM
lovelongandprosper$37.33$37.3310/5/2010 3:19:24 PM
crawfingers$30.07$30.0710/5/2010 3:19:46 PM
RandyL3$25.00$25.0010/5/2010 3:24:51 PM
julijask$35.00$35.0010/5/2010 4:35:10 PM
jennifer55126$25.00$25.0010/5/2010 3:26:56 PM
Cheburashka$30.00$30.0010/5/2010 4:53:12 PM
lostontheedge$25.00$25.0010/5/2010 4:55:06 PM
rmachi$25.00$25.0010/5/2010 4:56:54 PM
magnanman$60.12$60.1210/5/2010 5:27:21 PM
Artist_Blue$25.00$25.0010/5/2010 5:58:47 PM
blissful-note7$25.00$25.0010/5/2010 6:02:59 PM
lifegrowth$25.00$25.0010/5/2010 6:22:49 PM
windfall46$25.00$25.0010/5/2010 6:22:44 PM
mistertao$25.00$25.0010/5/2010 9:07:49 PM
dbzen$50.00$50.0010/5/2010 8:22:45 PM
DeathScythe676$25.00$25.0010/5/2010 8:33:31 PM
bold-social-advantage$75.00$75.0010/5/2010 6:50:06 PM
Okeey$25.00$25.0010/6/2010 12:56:56 AM
Archchancellor$40.17$40.1710/6/2010 12:54:33 AM
AJSinvest$25.00$25.0010/5/2010 10:08:58 PM
Yankeeeagle$25.00$25.0010/6/2010 1:20:47 AM
Sixmil$30.22$30.2210/6/2010 12:39:45 AM
HunterSix$25.00$25.0010/6/2010 12:54:36 AM
whistledicksmith$41.47$1.0710/6/2010 1:24:11 AM
StinkiePhish$25.00$25.0010/6/2010 10:52:56 AM
blue-useful-auction$25.00$25.0010/6/2010 2:50:43 PM
principal-bull$25.00$25.0010/6/2010 4:04:16 PM
MonkeyHero$25.38$25.3810/6/2010 9:36:54 PM
capital-star5$25.00$25.0010/7/2010 12:26:45 AM
gjm6d$25.00$25.0010/7/2010 2:46:07 AM
Westb$50.00$50.0010/7/2010 7:46:47 AM
-thisguy-$30.00$30.0010/7/2010 8:43:36 AM
octoberfresh$35.00$35.0010/8/2010 6:11:16 AM
repaymeplease$25.00$25.0010/8/2010 7:36:09 AM
brlarue$25.00$25.0010/8/2010 9:54:43 AM
ctron$25.00$25.0010/8/2010 12:36:42 PM
Jtomtom$50.00$50.0010/8/2010 9:23:10 PM
felicity-loyalist0$25.00$25.0010/9/2010 6:30:31 AM
Kattosha$25.00$25.0010/10/2010 11:52:47 AM
JTHarris$25.00$25.0010/11/2010 7:46:39 AM
debt-legend$25.00$25.0010/11/2010 8:43:44 AM
improvman$25.00$25.0010/11/2010 12:55:40 PM
icecoldcash$100.00$100.0010/5/2010 2:49:10 PM
discrete-asset$25.00$25.0010/5/2010 2:53:12 PM
tntmojave$25.00$25.0010/5/2010 2:56:14 PM
rupee-prairie$50.00$50.0010/5/2010 2:56:35 PM
ZeoInvestments$25.00$25.0010/5/2010 3:10:19 PM
LenderByDay$25.00$25.0010/5/2010 3:11:20 PM
power-defender7$31.24$31.2410/5/2010 3:11:52 PM
kanakakm$50.00$50.0010/5/2010 3:12:50 PM
damage$25.00$25.0010/5/2010 3:13:02 PM
delicious-social132$50.00$50.0010/5/2010 3:13:32 PM
elasermd$100.00$100.0010/5/2010 3:13:36 PM
museic1$25.00$25.0010/5/2010 3:13:24 PM
tender-integrity3$50.00$50.0010/5/2010 3:14:03 PM
cachecrew$50.00$50.0010/5/2010 3:13:54 PM
chemistry220$50.00$50.0010/5/2010 2:56:42 PM
ericgassercom$25.00$25.0010/5/2010 3:14:44 PM
ichibon$150.00$150.0010/5/2010 3:14:54 PM
engaging-worth$25.00$25.0010/5/2010 3:14:38 PM
Avala$100.00$100.0010/5/2010 3:15:08 PM
diplomatic-wealth7$100.00$100.0010/5/2010 3:15:20 PM
BayShell$50.00$50.0010/5/2010 3:15:24 PM
natural-affluence4$50.00$50.0010/5/2010 2:58:47 PM
meenan$25.00$25.0010/5/2010 3:15:29 PM
JoyfulVegetarian$50.00$50.0010/5/2010 3:16:23 PM
chinolatino$50.00$50.0010/5/2010 3:15:44 PM
mpactlender$25.00$25.0010/5/2010 3:15:47 PM
gallant-economy9$400.00$400.0010/5/2010 3:16:05 PM
rate-comforter$25.00$25.0010/5/2010 3:16:55 PM
Anny-Disco$100.00$100.0010/5/2010 3:17:03 PM
investment-network$25.00$25.0010/5/2010 3:17:17 PM
meux99$25.00$25.0010/5/2010 3:16:52 PM
aasx1108$25.00$25.0010/5/2010 3:17:01 PM
LizzieMN$50.00$50.0010/5/2010 3:17:43 PM
cablenews$50.00$50.0010/5/2010 3:17:35 PM
bazaar-nirvana$50.00$50.0010/5/2010 3:17:50 PM
conductor146$25.00$25.0010/5/2010 3:19:14 PM
cash-sensai2$25.00$25.0010/5/2010 3:10:52 PM
zen1cent$25.00$25.0010/5/2010 3:18:33 PM
Merganser$25.00$25.0010/5/2010 3:11:19 PM
SourDoughSteve$25.00$25.0010/5/2010 3:19:38 PM
Ivan2007$50.00$50.0010/5/2010 3:11:22 PM
bglender$50.00$50.0010/5/2010 3:18:57 PM
steady-gain5$25.00$25.0010/5/2010 3:11:33 PM
efficient-treasure0$25.00$25.0010/5/2010 3:19:06 PM
jonandmeg21$50.00$50.0010/5/2010 3:19:10 PM
jazz619$25.00$25.0010/5/2010 3:19:31 PM
LAAJ38$25.00$25.0010/5/2010 3:19:40 PM
GElender$100.00$100.0010/5/2010 3:12:53 PM
MarinLoans$75.00$75.0010/5/2010 3:12:57 PM
kenji4861$50.00$50.0010/5/2010 3:13:41 PM
neighborly-hope6$50.00$50.0010/5/2010 3:14:35 PM
orgy63$50.00$50.0010/5/2010 3:14:47 PM
psa1995$50.00$50.0010/5/2010 3:15:40 PM
bigballer105$100.00$100.0010/5/2010 3:15:53 PM
OTtherapy$25.72$25.7210/5/2010 3:15:58 PM
lend_to_you$25.00$25.0010/5/2010 3:16:39 PM
trade-caper$25.00$25.0010/5/2010 3:16:44 PM
dollardave$100.00$100.0010/5/2010 3:17:08 PM
MoonMama$25.00$25.0010/5/2010 3:17:12 PM
deca78750$50.00$50.0010/5/2010 3:17:25 PM
IIP77$25.00$25.0010/5/2010 3:17:53 PM
hawaiiangirl76$25.00$25.0010/5/2010 3:19:04 PM
miamiwill$50.00$50.0010/5/2010 3:19:07 PM
CaptainBlueberry$25.00$25.0010/5/2010 3:19:19 PM
Philkent$50.00$50.0010/5/2010 3:19:49 PM
RMB-Investments$50.00$50.0010/5/2010 3:19:58 PM
platinum-hunter7$50.00$50.0010/5/2010 3:28:22 PM
LendDoc$50.00$50.0010/5/2010 3:57:53 PM
GenerousGentleMan$26.85$26.8510/5/2010 3:29:16 PM
cloud8$75.00$75.0010/5/2010 4:53:53 PM
bold-careful-finance$25.00$25.0010/5/2010 4:54:25 PM
first-class-transparency2$35.00$35.0010/5/2010 4:28:00 PM
credit-scout7$50.00$50.0010/5/2010 4:56:45 PM
ideal-platinum1$50.00$50.0010/5/2010 4:57:29 PM
dospapalotes$25.00$25.0010/5/2010 5:04:02 PM
CASHGIRL$25.00$25.0010/5/2010 4:53:18 PM
djh47a$25.00$25.0010/5/2010 4:53:41 PM
Anonymous_Guy$30.00$30.0010/5/2010 5:53:14 PM
return-elm$25.00$25.0010/5/2010 6:07:50 PM
keyfig$25.00$25.0010/5/2010 5:59:10 PM
Investitall$25.00$25.0010/5/2010 4:57:40 PM
penny-finder$50.00$50.0010/5/2010 6:54:44 PM
afotherg$35.54$35.5410/5/2010 8:33:33 PM
KiwiElf$25.27$25.2710/5/2010 8:33:21 PM
rawman$25.00$25.0010/5/2010 6:47:56 PM
esabzb$25.00$25.0010/5/2010 9:54:16 PM
wise-silver-wonder$25.00$25.0010/5/2010 8:33:46 PM
otter$30.54$30.5410/6/2010 12:38:44 AM
skuba$50.00$50.0010/6/2010 12:51:40 AM
Tai$25.00$25.0010/6/2010 12:56:38 AM
E_G$50.00$50.0010/5/2010 9:17:54 PM
MONEYLENDER101$40.37$40.3710/6/2010 1:11:33 AM
Aimvest$25.00$25.0010/6/2010 1:08:11 AM
acropiloterau2002$25.00$25.0010/6/2010 1:23:20 AM
SeaLoans$25.00$25.0010/6/2010 1:23:57 AM
interstellar$50.00$50.0010/6/2010 2:04:36 AM
gethsemane4$25.00$25.0010/6/2010 1:23:53 AM
Zipperdu$50.00$50.0010/6/2010 7:31:52 AM
Edge-City$25.00$25.0010/6/2010 10:10:52 AM
Whitewater_Loans$50.00$50.0010/6/2010 5:14:24 PM
wwwUniversal$25.00$25.0010/6/2010 8:57:06 PM
integrityisnumone$50.00$50.0010/7/2010 12:44:13 AM
zenchef$25.00$25.0010/7/2010 12:21:09 PM
Guiren$100.00$100.0010/7/2010 12:05:20 PM
caring-hope2$50.00$50.0010/7/2010 5:32:59 PM
CreditBuilder2$250.00$250.0010/7/2010 11:18:55 PM
credit-guard5$25.00$25.0010/7/2010 7:03:12 PM
first-charming-fund$25.00$25.0010/8/2010 1:20:34 PM
ArtLends$43.50$43.5010/8/2010 12:25:52 PM
6moonbeams$200.00$200.0010/8/2010 12:33:02 PM
selector568$400.00$400.0010/8/2010 1:09:53 PM
ethicalhumanist$50.00$50.0010/8/2010 6:55:55 PM
Tiger6543$25.00$25.0010/9/2010 2:31:50 AM
midifool$25.00$25.0010/9/2010 3:02:16 AM
zx12rider$25.00$25.0010/9/2010 4:02:47 PM
giantfan19$36.81$36.8110/10/2010 3:07:33 PM
AK49-JW$50.00$50.0010/10/2010 4:57:36 PM
plumber87$26.73$26.7310/10/2010 7:43:10 PM
TigerForce$25.00$25.0010/11/2010 9:11:23 AM
226 bids
 
Borrower Payment Dependent Notes Series 478373
This series of Notes was issued and sold upon the funding of the borrower loan #44858, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $14,200.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0% Auction start date:  Oct-06-2010 
  Auction end date:  Oct-13-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $493.29
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $493.29
 
Auction yield range: 5.71% - 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: Oct-1996 Debt/Income ratio: 24%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,800Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: credit-splendor0 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
Consolidating credit card-payoff
Purpose of loan:
I am using this loan to consolidate my credit card debt.? I have NEVER missed a payment?or made a?late payment.? I have the same credit cards since i was 18 and the interest is 24% and its difficult to?get the debt down at this rate.?

My financial situation:
I am a business professional and i work for the worlds largest retailer.? My job is secure and i have a high credit profile/rating.? I take pride in my credit standing and i will not allow myself to drown.?
I always make payments higher then the minimum.
Monthly net income: $ 2785.00

Monthly expenses: $
??Housing: $ 916.00
??Insurance: $
??Car expenses: $ 494
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 620 (the purpose of this loan is to lower this amount)
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
108lender$100.00$100.0010/6/2010 2:25:01 PM
bountiful-durability$100.00$100.0010/6/2010 2:26:19 PM
generous-deal6$50.00$50.0010/6/2010 2:26:07 PM
papaloha$25.00$25.0010/6/2010 2:26:37 PM
radforj22$25.00$25.0010/6/2010 2:27:15 PM
auction-elvis$25.00$25.0010/6/2010 2:27:20 PM
mike_banker$50.00$50.0010/6/2010 2:33:26 PM
kmr2$200.00$200.0010/6/2010 2:33:52 PM
lendstats_com$25.00$25.0010/6/2010 2:32:07 PM
tntmojave$25.00$25.0010/6/2010 2:36:14 PM
studious-bonus7$100.00$100.0010/6/2010 2:32:41 PM
bid-czar8$100.00$100.0010/6/2010 2:32:45 PM
shmb6508$100.00$100.0010/6/2010 2:32:49 PM
marketplace-cello5$50.00$50.0010/6/2010 2:35:16 PM
Gabriel02$25.00$25.0010/6/2010 2:32:54 PM
ericgassercom$50.00$50.0010/6/2010 2:35:53 PM
tech310$50.00$50.0010/6/2010 2:34:39 PM
blue-useful-auction$25.00$25.0010/6/2010 2:46:30 PM
ichibon$150.00$150.0010/6/2010 2:35:46 PM
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agalt$100.00$100.0010/13/2010 8:28:04 AM
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rakstar$47.53$47.5310/13/2010 1:00:23 AM
hermosaloan$25.00$25.0010/13/2010 1:04:30 AM
penny-plato$25.00$25.0010/13/2010 7:20:09 AM
orange-resolute-platinum$25.00$25.0010/13/2010 9:28:50 AM
platinum-rapture6$50.00$50.0010/13/2010 9:28:56 AM
magnificent-asset3$25.00$25.0010/13/2010 9:29:00 AM
peace-saber0$25.00$25.0010/13/2010 9:29:39 AM
bid-papyrus$25.00$25.0010/13/2010 1:33:52 AM
calm-deal7$25.00$25.0010/13/2010 9:14:10 AM
balanced-rupee$50.00$50.0010/13/2010 9:28:50 AM
Magog12$29.43$29.4310/13/2010 9:29:50 AM
spark548$50.00$50.0010/13/2010 9:29:55 AM
ProudDad$50.00$50.0010/13/2010 5:39:46 AM
bluflame9940$45.15$45.1510/13/2010 5:56:49 AM
salegalaxy$25.00$25.0010/13/2010 10:46:26 AM
worldly-community3$41.64$41.6410/13/2010 9:28:48 AM
gold-disk$50.00$50.0010/13/2010 9:29:06 AM
BenOrt$50.00$50.0010/13/2010 9:29:14 AM
benefit-piano5$25.00$12.3710/13/2010 9:29:58 AM
TakeCare$50.00$50.0010/13/2010 10:51:12 AM
rmpedi33$50.00$50.0010/13/2010 9:42:20 AM
exciting-fairness$200.00$200.0010/13/2010 11:24:35 AM
wkeboarder21$50.00$50.0010/13/2010 9:53:09 AM
crawfishcentral$26.87$26.8710/13/2010 1:53:54 PM
SmartBanking$25.00$25.0010/13/2010 11:32:13 AM
Grandmahoneybee$57.00$57.0010/13/2010 11:40:43 AM
grampy48$25.00$25.0010/13/2010 11:52:54 AM
rockingnrolling$50.00$50.0010/13/2010 12:07:22 PM
revenue-appraiser$35.00$35.0010/13/2010 1:39:46 PM
uralrider$25.21$25.2110/13/2010 1:44:11 PM
318 bids
 
Borrower Payment Dependent Notes Series 478577
This series of Notes was issued and sold upon the funding of the borrower loan #44855, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.3% Auction start date:  Oct-07-2010 
  Auction end date:  Oct-11-2010 
 
Starting lender yield: 6.85% Starting borrower rate/APR: 7.85% / 8.19% Starting monthly payment: $156.34
Final lender yield: 6.85% Final borrower rate/APR: 7.85% / 8.19% Final monthly payment: $156.34
 
Auction yield range: 2.71% - 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: Aug-1997 Debt/Income ratio: 6%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $71,418Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: Crom Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 760-779 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
780-799 (Jan-2010)
780-799 (Dec-2009)
 
Principal balance: $4,010.51 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Business Takes the Final Step
Purpose of loan:
I previously took out a loan from Prosper to help add functionality and improve performance for my online fishing map business. This has worked as expected. The next and final step is to covert my business into a subscription model so that I have a steady revenue stream. The loan will allow me to put the finishing touches on offering both a free mapping service and a paid subscription mapping service as well as to cover some operating costs and add some new mapping content.

My financial situation:
I am a good candidate for this loan because I have a full time job as director of operations for a small but stable mapping company and also work on an hourly consulting arrangement for a previous employer. My site has 13,000+ registered users. I anticipate 2,000 of these users at a minimum to pay a subscription fee to access the paid subscription mapping service.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
nicklds$100.00$100.0010/7/2010 2:40:42 PM
power-defender7$40.00$40.0010/7/2010 2:41:14 PM
ZeoInvestments$25.00$25.0010/7/2010 2:42:23 PM
cebgop$25.00$25.0010/7/2010 2:40:58 PM
cash-sensai2$25.00$25.0010/7/2010 2:41:04 PM
hawaiiangirl76$25.00$25.0010/7/2010 2:41:31 PM
point-zebra$25.00$25.0010/7/2010 2:44:02 PM
chemistry220$50.00$50.0010/7/2010 2:44:15 PM
yukongin$50.00$50.0010/7/2010 2:44:53 PM
life-is-great$50.00$50.0010/7/2010 2:44:32 PM
Marathoner$25.00$25.0010/7/2010 2:45:31 PM
diplomatic-wealth7$100.00$100.0010/7/2010 2:46:04 PM
damage$25.00$25.0010/7/2010 2:44:45 PM
dtrain5$25.00$25.0010/7/2010 2:46:14 PM
lend_to_you$25.00$25.0010/7/2010 2:46:35 PM
meenan$25.00$25.0010/7/2010 2:46:11 PM
aasx1108$25.00$25.0010/7/2010 2:46:39 PM
eadamson$50.00$50.0010/7/2010 2:46:43 PM
Preferred-Lender$25.00$25.0010/7/2010 2:47:08 PM
thezfunk$25.00$25.0010/7/2010 2:47:13 PM
LAAJ38$25.00$25.0010/7/2010 2:47:24 PM
harty$50.00$50.0010/7/2010 2:52:13 PM
lovelongandprosper$41.37$41.3710/7/2010 2:54:27 PM
KeepOnRunning$50.00$50.0010/7/2010 2:55:03 PM
the-transaction-stronghold$50.00$50.0010/7/2010 2:53:55 PM
exact-gold2$25.00$25.0010/7/2010 2:43:01 PM
numitor$50.00$50.0010/7/2010 2:44:04 PM
murren$25.00$25.0010/7/2010 2:44:34 PM
delicious-social132$50.00$50.0010/7/2010 2:44:56 PM
kegs$150.00$150.0010/7/2010 2:46:22 PM
economy-orchid$30.00$30.0010/7/2010 2:46:24 PM
tekkie2412$50.00$50.0010/7/2010 2:46:26 PM
spiritual-bonus9$50.00$50.0010/7/2010 2:46:28 PM
Go_Ducks$25.00$25.0010/7/2010 2:46:34 PM
LizzieMN$50.00$50.0010/7/2010 2:46:47 PM
commanding-dollar2$50.00$50.0010/7/2010 2:46:52 PM
tolerant-dinero2$25.00$25.0010/7/2010 2:50:36 PM
adhawan325$25.00$25.0010/7/2010 2:53:13 PM
reinforced-reward$25.00$25.0010/7/2010 2:53:43 PM
Mr_Bigmoney$25.00$25.0010/7/2010 2:54:08 PM
bigballer105$100.00$100.0010/7/2010 2:54:20 PM
chillware$25.00$25.0010/7/2010 2:54:33 PM
syounker$25.00$25.0010/7/2010 2:55:05 PM
tender-integrity3$50.00$50.0010/7/2010 2:55:22 PM
credit-scout7$50.00$50.0010/7/2010 2:55:36 PM
MoneyForNothing$27.54$27.5410/7/2010 10:32:56 PM
greenback-bull6$100.00$100.0010/8/2010 2:29:11 PM
happyjackbak$35.00$35.0010/8/2010 5:24:17 PM
enthusiastic-balance5$100.00$100.0010/9/2010 2:50:34 AM
SpotLending$50.00$50.0010/9/2010 7:23:45 AM
JeramyU$25.00$25.0010/10/2010 9:23:54 AM
DukSerduk$25.00$25.0010/7/2010 2:40:49 PM
alpinaut$30.00$30.0010/7/2010 2:41:10 PM
ericgassercom$25.00$25.0010/7/2010 2:41:26 PM
natural-affluence4$50.00$50.0010/7/2010 2:42:50 PM
larrybird$150.00$150.0010/7/2010 2:44:51 PM
neighborly-hope6$50.00$50.0010/7/2010 2:45:20 PM
agiovasil$25.00$25.0010/7/2010 2:44:30 PM
ichibon$150.00$150.0010/7/2010 2:45:27 PM
duty-windmill$25.00$25.0010/7/2010 2:44:38 PM
Castellan$50.00$50.0010/7/2010 2:45:55 PM
kanakakm$50.00$50.0010/7/2010 2:44:40 PM
chinolatino$50.00$50.0010/7/2010 2:46:19 PM
museic1$25.00$25.0010/7/2010 2:44:55 PM
elasermd$100.00$100.0010/7/2010 2:45:01 PM
JoyfulVegetarian$50.00$50.0010/7/2010 2:46:32 PM
meux99$25.00$25.0010/7/2010 2:46:37 PM
eyal0$50.00$50.0010/7/2010 2:46:56 PM
Avala$100.00$100.0010/7/2010 2:46:00 PM
cablenews$50.00$50.0010/7/2010 2:46:46 PM
lendingfrog$50.00$50.0010/7/2010 2:46:51 PM
zen1cent$25.00$25.0010/7/2010 2:46:57 PM
balance6$25.00$25.0010/7/2010 2:47:02 PM
RandyL3$25.00$25.0010/7/2010 2:50:21 PM
MJDAE$50.00$50.0010/7/2010 2:52:15 PM
jennifer55126$25.00$25.0010/7/2010 2:51:27 PM
E_G$50.00$50.0010/7/2010 2:51:50 PM
radforj22$100.00$100.0010/7/2010 2:40:21 PM
otter$25.00$25.0010/7/2010 2:53:52 PM
CASHGIRL$25.00$25.0010/7/2010 2:52:06 PM
return-elm$25.00$25.0010/7/2010 2:54:34 PM
Okeey$25.00$25.0010/7/2010 2:54:41 PM
pavelz$41.07$41.0710/7/2010 2:53:57 PM
bold-yield-rumbler$25.00$25.0010/7/2010 2:55:23 PM
mjunlimited$50.00$50.0010/7/2010 2:43:43 PM
tntmojave$25.00$25.0010/7/2010 2:44:07 PM
LendDoc$50.00$50.0010/7/2010 2:55:35 PM
generous-deal6$50.00$50.0010/7/2010 2:44:36 PM
magical-greenback$50.00$50.0010/7/2010 2:44:47 PM
kenji4861$50.00$50.0010/7/2010 2:45:04 PM
cachecrew$50.00$50.0010/7/2010 2:45:10 PM
blot44$25.00$25.0010/7/2010 2:45:16 PM
jts$25.00$25.0010/7/2010 2:46:01 PM
BayShell$50.00$50.0010/7/2010 2:46:07 PM
psa1995$50.00$50.0010/7/2010 2:46:16 PM
marketplace-cello5$50.00$50.0010/7/2010 2:46:54 PM
bglender$50.00$50.0010/7/2010 2:47:03 PM
julijask$35.00$35.0010/7/2010 2:51:38 PM
rescue$100.00$100.0010/7/2010 2:52:07 PM
open-minded-finance1$25.00$25.0010/7/2010 2:52:09 PM
newest-sensible-hope$50.00$50.0010/7/2010 2:52:17 PM
UncleTupelo2$25.00$25.0010/7/2010 2:54:29 PM
jazzlender$25.00$25.0010/7/2010 2:55:24 PM
MONEYLENDER101$100.00$91.0210/7/2010 2:55:42 PM
kmcolo$25.00$25.0010/7/2010 7:03:06 PM
Johnab$50.00$50.0010/8/2010 11:00:27 AM
qkinger$50.00$50.0010/9/2010 7:53:38 AM
Jtomtom$29.00$29.0010/9/2010 7:29:28 PM
doc1$100.00$100.0010/10/2010 7:19:06 AM
109 bids
 
Borrower Payment Dependent Notes Series 478583
This series of Notes was issued and sold upon the funding of the borrower loan #44872, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0% Auction start date:  Oct-07-2010 
  Auction end date:  Oct-14-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $312.65
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $312.65
 
Auction yield range: 5.71% - 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-2002 Debt/Income ratio: 35%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 14 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $314Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: indomitable-credit0 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off medical expenses
Purpose of loan:
Pay off medical expenses that weren't covered by insurance and are currently on a credit card with an interest rate that won't come down!

My financial situation:
Both my fiance and I have a very stable jobs with an incomes that far exceed all our expenses...I'd just rather not continue to pay interest to a credit card company.? I'm attending law school part time on a full academic scholarship, while keeping my full time job, so my earning potential will only increase over the next couple years.

Monthly net income: $ 2,500

Monthly expenses: $ 1,150.00
??Housing: $ 400
??Insurance: $ 250
??Car expenses: $ 100
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 0.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, How much is the medical bill that you still owe? Does your fiance help your household bills? What is his job & income? Thanks, - p2ploan-sensation211
A: My bills are at a little over $9000, so this loan should pay all but a couple hundred off. And yes, my fiance pays a majority of the household bills. He's an insurance adjuster and makes about double my income. Thanks!! (Oct-10-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
authentic-liberty7$50.00$50.0010/7/2010 2:41:41 PM
Weaverville$50.00$50.0010/7/2010 2:43:17 PM
agiovasil$25.00$25.0010/7/2010 2:47:41 PM
DRA-Properties$25.00$25.0010/7/2010 2:47:52 PM
studious-bonus7$100.00$100.0010/7/2010 2:48:01 PM
bid-czar8$100.00$100.0010/7/2010 2:48:05 PM
DasMula$25.00$25.0010/7/2010 3:03:04 PM
shmb6508$100.00$42.4710/7/2010 2:48:09 PM
platinum-hunter7$25.00$25.0010/7/2010 3:06:10 PM
Micropterus$25.00$25.0010/7/2010 6:29:47 PM
psalms6612$25.00$25.0010/7/2010 6:38:27 PM
selector568$300.00$300.0010/7/2010 2:57:42 PM
repaymeplease$25.00$25.0010/7/2010 7:58:55 PM
JustMee$25.00$25.0010/7/2010 6:42:05 PM
friendinmoney$50.00$50.0010/8/2010 8:43:42 AM
justice-ally8$41.06$41.0610/9/2010 8:00:08 AM
PrivateLenders$50.00$50.0010/9/2010 7:22:02 PM
doc1$100.00$100.0010/10/2010 9:13:42 AM
wildcard451$25.00$25.0010/10/2010 7:09:40 PM
AK49-JW$25.00$25.0010/10/2010 5:08:02 PM
credit-coach118$30.00$30.0010/11/2010 8:41:40 AM
mentornetwork$25.00$25.0010/11/2010 10:51:01 AM
rate-negotiator$25.00$25.0010/11/2010 12:58:05 PM
LiquidRaptor$25.00$25.0010/11/2010 2:17:47 PM
tedi-tif$25.00$25.0010/11/2010 3:11:01 PM
happy-loyalty$25.00$25.0010/12/2010 7:20:26 AM
investment-artist$25.00$25.0010/12/2010 9:48:09 AM
greenback-bull6$50.00$50.0010/12/2010 9:12:44 AM
dpries123$25.00$25.0010/12/2010 9:52:34 AM
contract-high-five$25.00$25.0010/12/2010 10:26:17 AM
RailroadKen$50.00$50.0010/12/2010 10:10:24 AM
joecar1111$100.00$100.0010/12/2010 11:38:11 AM
diversification-balancer870$125.00$125.0010/12/2010 11:52:13 AM
Bcs-cnc$25.00$25.0010/12/2010 1:32:34 PM
active-wealth3$25.00$25.0010/12/2010 2:45:22 PM
Importexport$200.00$200.0010/12/2010 2:47:09 PM
p2ploan-sensation211$25.00$25.0010/12/2010 2:58:26 PM
usd1027$25.00$25.0010/12/2010 4:02:19 PM
helynn$25.00$25.0010/12/2010 3:48:56 PM
FinanceEngine$30.00$30.0010/12/2010 4:17:13 PM
Techne_Funds_LLC$25.00$25.0010/12/2010 6:13:53 PM
loss-of-control$50.00$50.0010/12/2010 6:41:49 PM
gochargers$50.00$50.0010/12/2010 5:00:39 PM
gjm6d$25.00$25.0010/12/2010 5:04:29 PM
patriot897$30.57$30.5710/12/2010 7:27:05 PM
Importexport$500.00$500.0010/12/2010 10:03:38 PM
affluence-tambourine$25.00$25.0010/12/2010 10:53:56 PM
B-rad_the_Coug$25.00$25.0010/12/2010 10:23:47 PM
crw1950$35.00$35.0010/13/2010 5:02:55 AM
TakeCare$25.00$25.0010/13/2010 6:13:20 AM
veneziani$25.00$25.0010/12/2010 10:02:55 PM
wise-benjamins-fortress$25.00$25.0010/13/2010 5:23:25 AM
commanding-income774$25.00$25.0010/13/2010 2:12:00 AM
shantran$100.00$100.0010/13/2010 4:13:43 AM
chrisb1414$25.00$25.0010/13/2010 6:45:07 AM
Torero06$25.00$25.0010/13/2010 11:42:28 AM
ritwik$50.00$50.0010/13/2010 2:10:01 PM
theduch$69.65$69.6510/13/2010 3:04:36 PM
Land_on_your_feet$50.00$50.0010/13/2010 3:05:28 PM
merciful-yield$68.36$68.3610/13/2010 3:27:32 PM
wlm3012$25.00$25.0010/13/2010 3:31:42 PM
squarebob$25.00$25.0010/13/2010 3:34:28 PM
StrongMonty$40.00$40.0010/13/2010 4:12:20 PM
mbf2234$25.00$25.0010/13/2010 3:29:42 PM
squarebob$25.00$25.0010/13/2010 3:33:48 PM
crdcteng$50.00$50.0010/13/2010 6:02:24 PM
SeekingAlpha$39.25$39.2510/13/2010 6:23:40 PM
sentimental-euro$25.00$25.0010/13/2010 6:54:47 PM
CreditBuilder2$100.00$100.0010/13/2010 11:42:40 PM
knowonder$25.17$25.1710/14/2010 5:11:49 AM
colorfulgardener$25.00$25.0010/13/2010 5:57:34 PM
CreditBuilder2$100.00$100.0010/13/2010 11:43:02 PM
mrladybug101$100.00$100.0010/14/2010 7:54:24 AM
bold-pleasant-gold$25.00$25.0010/14/2010 8:01:14 AM
credit-guard5$25.00$25.0010/14/2010 8:31:32 AM
authoritative-loot$25.00$25.0010/13/2010 10:38:00 PM
leverage-monger$25.00$25.0010/14/2010 7:52:13 AM
1SteelerFan$30.00$30.0010/14/2010 8:56:53 AM
friendinmoney$34.59$34.5910/14/2010 10:48:53 AM
nodebt2012$50.00$50.0010/14/2010 11:23:02 AM
Leshan$33.33$33.3310/14/2010 9:43:23 AM
fair-payment4$25.00$25.0010/14/2010 11:59:12 AM
moola-monger9$50.00$50.0010/14/2010 10:03:55 AM
octoberfresh$25.00$25.0010/14/2010 9:29:56 AM
mgking007$25.83$25.8310/14/2010 1:03:28 PM
gothampark$25.00$25.0010/14/2010 1:40:08 PM
Astyanax$100.00$100.0010/14/2010 12:12:33 PM
penny-plato$25.00$25.0010/14/2010 1:53:19 PM
justinology$33.40$33.4010/14/2010 10:11:52 AM
Pressure_Drop$44.42$44.4210/14/2010 10:13:48 AM
revenue-appraiser$35.00$35.0010/14/2010 1:49:27 PM
dime-vista2$75.00$75.0010/14/2010 11:39:33 AM
trumpeter5$50.00$50.0010/14/2010 12:18:14 PM
toomanyfishtanks$25.00$25.0010/14/2010 12:30:25 PM
Memphis-King$125.00$125.0010/14/2010 2:23:43 PM
radforj22$25.00$25.0010/7/2010 2:42:05 PM
worldly-penny8$50.00$50.0010/7/2010 2:44:10 PM
papaloha$25.00$25.0010/7/2010 2:43:13 PM
chemistry220$50.00$50.0010/7/2010 2:44:18 PM
bountiful-durability$100.00$100.0010/7/2010 2:47:29 PM
simplelender80$250.00$250.0010/7/2010 2:47:57 PM
lendingfrog$50.00$50.0010/7/2010 2:50:23 PM
rescue$50.00$50.0010/7/2010 2:40:32 PM
VAGweilo$50.00$50.0010/7/2010 2:52:21 PM
generous-deal6$50.00$50.0010/7/2010 2:43:45 PM
blue-useful-auction$25.00$25.0010/7/2010 5:35:29 PM
bouttruckin$25.00$25.0010/8/2010 6:11:03 AM
SOP_Bank$25.00$25.0010/8/2010 6:30:28 AM
smart-gold$25.00$25.0010/7/2010 11:26:57 PM
Cromag$25.00$25.0010/8/2010 10:29:03 AM
ClearCut$50.00$50.0010/8/2010 10:45:18 AM
AK49-JW$25.00$25.0010/8/2010 1:26:24 PM
dynrep$25.00$25.0010/8/2010 10:46:22 AM
GeorgiaGator$25.00$25.0010/8/2010 4:03:32 PM
the-stylish-euro$25.00$25.0010/8/2010 4:14:12 PM
first-serene-credit$100.00$100.0010/8/2010 9:32:18 PM
Katburg$35.00$35.0010/8/2010 4:38:10 PM
djenge$25.00$25.0010/9/2010 3:49:49 AM
dollardave$96.40$96.4010/9/2010 3:17:24 AM
interest-financier265$50.00$50.0010/10/2010 6:44:23 AM
katnmouse$34.00$34.0010/9/2010 2:55:20 PM
Galdis$25.00$25.0010/10/2010 8:50:08 AM
420limo$25.00$25.0010/10/2010 5:19:30 PM
Green-Baron$25.00$25.0010/11/2010 9:56:50 AM
velocity-onator$25.00$25.0010/11/2010 12:30:38 PM
CSAworker$25.00$25.0010/11/2010 6:36:05 AM
Chesterite$100.00$100.0010/11/2010 12:12:53 PM
loanermn$25.00$25.0010/11/2010 2:08:19 PM
northern_paddler$25.00$25.0010/11/2010 2:56:11 PM
patriot384$237.00$237.0010/11/2010 3:19:05 PM
chato2345$25.00$25.0010/11/2010 5:03:16 PM
credit-kahuna$50.00$50.0010/11/2010 11:18:08 PM
blissful-responsibility4$50.00$50.0010/11/2010 4:12:26 PM
Truchaos$26.26$26.2610/12/2010 9:59:48 AM
BrLender$100.00$100.0010/12/2010 10:02:54 AM
niss615$100.00$100.0010/12/2010 10:19:50 AM
preventivepestcontrol$75.00$75.0010/12/2010 11:02:34 AM
ethicalhumanist$50.00$50.0010/12/2010 12:53:56 PM
ScottFinance$25.00$25.0010/12/2010 2:15:20 PM
Nailman88$50.00$50.0010/12/2010 3:04:27 PM
sportcraft18$100.00$100.0010/12/2010 3:11:28 PM
joeboxr182$25.00$25.0010/12/2010 4:21:01 PM
Daubertoo$25.00$25.0010/12/2010 5:30:20 PM
meabandit$33.16$33.1610/12/2010 9:17:21 PM
_NaLNaBB$400.00$400.0010/12/2010 10:42:40 PM
authentic-peace7$25.00$25.0010/13/2010 5:17:34 AM
joeboxr182$25.00$25.0010/13/2010 7:55:41 AM
emmadog$100.00$100.0010/13/2010 7:59:29 AM
Cluvnupe06$35.00$35.0010/13/2010 6:20:36 AM
TwinCities$40.00$40.0010/13/2010 6:25:17 AM
velocity-alert1$50.00$50.0010/13/2010 9:01:24 AM
dynamic-platinum$50.00$50.0010/13/2010 3:01:18 PM
squarebob$25.00$25.0010/13/2010 3:34:08 PM
therealjeremy$25.00$25.0010/13/2010 4:42:08 PM
guardian3$25.00$25.0010/13/2010 7:04:35 PM
back-scratchers$25.00$25.0010/13/2010 5:50:01 PM
OoM$25.00$25.0010/13/2010 10:36:53 PM
vanderhp$40.00$40.0010/13/2010 11:23:08 PM
loan-upholder4$25.00$25.0010/13/2010 4:37:00 PM
orangefob7$52.76$52.7610/13/2010 4:51:31 PM
Charmart$25.00$25.0010/14/2010 2:46:19 AM
aspire2grow$25.00$25.0010/13/2010 5:46:19 PM
bxdoc$36.93$36.9310/13/2010 11:44:01 PM
BuzzyBee336$30.00$30.0010/13/2010 8:16:09 PM
jcw3rd$25.00$25.0010/14/2010 6:45:49 AM
JeramyU$25.00$25.0010/14/2010 8:11:20 AM
Sol_Invictus$25.00$25.0010/14/2010 9:47:28 AM
divergregg$25.00$25.0010/14/2010 8:53:35 AM
elitegoodguy$25.00$25.0010/14/2010 8:53:50 AM
poetic-economy$25.00$25.0010/14/2010 12:35:39 PM
Schwamie$150.39$150.3910/14/2010 12:39:12 PM
social-zebra$25.00$25.0010/14/2010 9:32:46 AM
Gobsek$25.00$25.0010/14/2010 1:01:03 PM
dynamic-platinum$25.00$25.0010/14/2010 2:11:26 PM
pythia$25.00$25.0010/14/2010 10:06:45 AM
mg144$40.00$40.0010/14/2010 10:27:29 AM
p2ploan-sensation211$75.00$75.0010/14/2010 2:18:45 PM
jybank$25.00$25.0010/14/2010 2:35:27 PM
178 bids
 
Borrower Payment Dependent Notes Series 478667
This series of Notes was issued and sold upon the funding of the borrower loan #44867, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $113.09
 
Auction yield range: 16.71% - 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: Oct-1999 Debt/Income ratio: 26%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:10y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,116Stated income:$1-$24,999
Delinquencies in last 7y: 13 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: the-dedication-network 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
Loan-2nd Chance at Life
Purpose of loan:
This loan will be used to?purchase a quality used car. I will also use my vehicle to continue teaching religious education classes at my church and to continue serving as the Director of the Youth Group. Last year, we were able to assist 50 single mothers and 100 children by traveling to various community service projects through our church. A quality reliable vehicle will allow me to continue this ministry.? My father always told me to give back to the community and help out before he passed away from cancer. I believe in being persistent in life. This is my 3rd attempt to get fully funded for this loan. I will continue to try to get this loan 97 more times if I have too. I have been working since I was 8 years old and MY MIND CAN CONCEIVE AND BELIEVE that I can achieve this goal of getting a loan and paying it back on time to establish myself as a trustworthy individual. Just imagine if I have this kind of persistence and determination in life, what kind of payoff you will make on your money $$$.? This is the best loan you can make right here. Thanks again.

My financial situation:
I am a good candidate for this loan because?I have borrowed over $2,000 from family and friends and I have paid it back to them on time. I would like to use this loan to show banks that I have a payment history for more than a year. I have been using only cash since 2006 to pay for my expenses. I have taken several credit counseling courses and I have sought out advice from successful business people in my community as to how I should rebuild my credit. They told me to apply at a bank or a website such as Prosper.com to show a payment history for more than a year.? I have used my experience with my credit situation to advise my religious education students to use credit wisely. I feel the Lord is using my lessons in life to help others avoid the same pitfalls. I believe everyone deserves a second chance and I am asking for your help in assisting me to get back on my feet financially by showing a payment history. May God bless you. Thank you for your time and consideration. Thanks for helping me!! ?

Monthly net income: $1200-1400

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 80-100
??Utilities: $ 0
??Phone, cable, internet: $ 40
??Food, entertainment: $ 30
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
swoosh$25.00$25.0010/8/2010 3:47:50 PM
Artist_Blue$25.00$25.0010/11/2010 7:54:23 AM
cablenews$25.00$25.0010/11/2010 3:11:32 PM
bold-shrewd-duty$25.00$25.0010/12/2010 5:14:19 PM
worthy-bid8$25.00$25.0010/12/2010 5:24:13 PM
generous-deal6$25.00$25.0010/14/2010 6:19:02 AM
icecoldcash$30.00$30.0010/14/2010 2:57:23 PM
Anny-Disco$25.00$25.0010/14/2010 3:49:41 PM
euro-banker$50.00$50.0010/14/2010 3:50:41 PM
Comoparklender$25.00$25.0010/14/2010 2:58:03 PM
ramsba$38.89$38.8910/14/2010 4:07:51 PM
zone8$50.00$50.0010/14/2010 2:59:02 PM
cunning-bill$25.00$25.0010/14/2010 5:16:39 PM
tjone69$32.54$32.5410/14/2010 3:50:38 PM
copper$50.00$50.0010/14/2010 4:42:39 PM
helping-out$88.89$88.8910/14/2010 4:49:38 PM
smoothmoniker$25.00$25.0010/14/2010 9:27:42 PM
well-mannered-marketplace5$25.00$25.0010/14/2010 10:45:23 PM
AF-Chief$35.00$35.0010/15/2010 12:07:51 AM
Kijib$25.00$25.0010/15/2010 1:34:57 AM
nowits10$25.00$25.0010/15/2010 1:36:07 AM
FEWDollars$25.00$25.0010/15/2010 1:53:51 AM
Brainworm$25.00$25.0010/15/2010 6:38:50 AM
data2360$36.57$36.5710/14/2010 9:14:38 PM
Toastmaster007$25.00$25.0010/14/2010 9:32:43 PM
kulender$41.01$41.0110/14/2010 9:58:12 PM
fairhelper$25.00$25.0010/15/2010 7:06:33 AM
zone6$100.00$100.0010/15/2010 5:46:28 AM
abundant-credit6$25.00$25.0010/15/2010 8:16:00 AM
red-unequivocal-finance$25.00$25.0010/15/2010 7:06:38 AM
gold-channel2$50.00$50.0010/15/2010 5:22:50 AM
enriching-capital$25.00$25.0010/15/2010 8:03:01 AM
homebody26$25.00$25.0010/15/2010 6:39:19 AM
visionary-currency$40.01$40.0110/15/2010 7:36:15 AM
oldtruckads$50.00$50.0010/15/2010 7:36:35 AM
Lubava$25.00$25.0010/15/2010 10:42:55 AM
DasMula$25.00$25.0010/15/2010 2:59:59 PM
naty25$30.27$16.5010/15/2010 2:19:27 PM
DasMula$25.00$25.0010/15/2010 3:00:25 PM
AlexTrep$50.00$50.0010/9/2010 4:47:48 PM
noble-revenue$50.00$50.0010/10/2010 10:33:23 AM
villagers$25.00$25.0010/12/2010 9:23:10 AM
TakeCare$50.00$50.0010/13/2010 10:55:41 AM
IIP77$25.00$25.0010/14/2010 5:44:11 AM
MarinLoans$25.00$25.0010/14/2010 8:03:08 AM
graceful-investment$60.87$60.8710/14/2010 2:58:45 PM
famous-bill$25.00$25.0010/14/2010 9:14:23 PM
RMB-Investments$50.00$50.0010/14/2010 10:45:19 PM
DeltaComputerGuy$25.00$25.0010/15/2010 1:38:04 AM
Aleut$25.00$25.0010/14/2010 9:14:40 PM
mtquan$25.00$25.0010/15/2010 12:07:48 AM
KiwiElf$25.00$25.0010/15/2010 1:24:48 AM
Cash_Angel$25.00$25.0010/14/2010 7:42:56 PM
sensible-trade$49.26$49.2610/15/2010 6:38:55 AM
Hambone1111$25.00$25.0010/14/2010 9:14:33 PM
jennifer55126$25.00$25.0010/15/2010 7:06:36 AM
bold-yield-rumbler$25.00$25.0010/14/2010 10:45:03 PM
valiant-liberty4$25.00$25.0010/15/2010 7:17:57 AM
tuneman1980$25.00$25.0010/15/2010 1:49:35 AM
green-ore-expert$50.00$50.0010/15/2010 8:32:18 AM
iolaire$25.00$25.0010/15/2010 4:40:16 AM
bulsa$34.99$34.9910/15/2010 5:52:56 AM
DDHMoney$25.00$25.0010/15/2010 5:53:08 AM
lovely-leverage$45.00$45.0010/15/2010 6:50:59 AM
barefootpaul$25.00$25.0010/15/2010 7:36:30 AM
FASTIZIO_P$25.00$25.0010/15/2010 9:43:43 AM
mclilpaws$25.00$25.0010/15/2010 11:13:33 AM
Preferred-Lender$25.00$25.0010/15/2010 11:10:02 AM
Sudoku$66.48$66.4810/15/2010 12:53:35 PM
Sudoku$50.00$50.0010/15/2010 12:54:13 PM
mutual-benefit$25.00$25.0010/15/2010 12:21:16 PM
crjcapt$50.00$50.0010/15/2010 2:12:09 PM
168RichCapital$27.50$27.5010/15/2010 1:24:52 PM
money-bauble$31.49$31.4910/15/2010 2:17:48 PM
74 bids
 
Borrower Payment Dependent Notes Series 478681
This series of Notes was issued and sold upon the funding of the borrower loan #44851, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.2% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 9.80% Starting borrower rate/APR: 10.80% / 12.92% Starting monthly payment: $114.25
Final lender yield: 8.30% Final borrower rate/APR: 9.30% / 11.40% Final monthly payment: $111.79
 
Auction yield range: 3.71% - 9.80% Estimated loss impact: 3.27%  
Lender servicing fee: 1.00% Estimated return: 5.03%  
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: Feb-1997 Debt/Income ratio: 15%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,366Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: 8thWonder Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 760-779 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
760-779 (Aug-2008)
 
Principal balance: $98.45 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Consolidate Credit Payments
Purpose of loan:
Consolidate balances of my current credit cards to make it easier to pay off and at a lower rate

My financial situation:
I am a good candidate for this loan because I have a great score and credit history, I have borrowed money in the past and always paid it off on schedule.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
meenan$25.00$25.0010/8/2010 3:20:01 PM
turbospeed$25.00$25.0010/8/2010 3:19:12 PM
wwwUniversal$25.00$25.0010/8/2010 4:22:44 PM
MoneyForNothing$41.56$41.5610/8/2010 6:41:50 PM
loan-adventurer7$50.00$50.0010/9/2010 12:15:21 PM
atlas100$50.00$50.0010/10/2010 12:42:28 PM
musicmender$25.00$25.0010/11/2010 7:52:22 AM
relierma$25.00$25.0010/12/2010 9:28:21 AM
kander80$25.00$25.0010/12/2010 6:22:41 PM
goalieman688$25.77$25.7710/13/2010 8:32:46 AM
balance-river$25.00$25.0010/13/2010 4:33:51 PM
DDPrime$100.00$100.0010/13/2010 3:17:41 PM
hookUup$50.00$50.0010/13/2010 4:30:57 PM
BaxterSandy$25.00$25.0010/14/2010 1:30:28 PM
outofoffice$50.00$50.0010/14/2010 2:56:45 PM
soular21804$25.00$25.0010/14/2010 2:35:00 PM
gilbrear$25.00$25.0010/14/2010 4:58:12 PM
EliteCapital$29.11$29.1110/14/2010 5:44:30 PM
LittleMingo$26.00$26.0010/14/2010 4:57:41 PM
bornsucka$25.00$25.0010/15/2010 1:03:33 AM
martymaniaman$25.16$25.1610/15/2010 6:32:32 AM
myidear$25.00$25.0010/15/2010 5:33:52 AM
Charmart$25.00$25.0010/15/2010 3:01:27 AM
crafty$25.00$25.0010/15/2010 10:06:14 AM
thankful-nickel2$25.00$25.0010/15/2010 10:31:28 AM
penny-finder$50.00$50.0010/15/2010 11:26:50 AM
jayk63$25.00$25.0010/15/2010 2:50:27 PM
integrity-cowbell$30.00$30.0010/15/2010 1:46:01 PM
blue-useful-auction$25.00$25.0010/15/2010 3:15:13 PM
selector568$500.00$500.0010/8/2010 3:20:35 PM
tolerant-dinero2$25.00$25.0010/8/2010 3:27:45 PM
enthusiastic-balance5$100.00$100.0010/8/2010 3:30:17 PM
RandyL3$25.00$25.0010/8/2010 3:30:33 PM
hulkstrom$43.18$43.1810/8/2010 9:05:33 PM
Aberdeen$400.00$400.0010/9/2010 2:46:59 AM
Cherrypicker$50.00$50.0010/9/2010 7:30:02 AM
InvestorsRus$50.00$50.0010/9/2010 4:49:28 PM
interact$25.00$25.0010/9/2010 9:08:55 AM
exchange-squirrel$25.00$25.0010/10/2010 2:21:24 PM
sweety075$25.00$25.0010/10/2010 10:20:23 AM
singletrck$25.00$25.0010/11/2010 2:42:05 PM
sadani$25.00$25.0010/12/2010 4:46:32 PM
PalmerTheEmbalmer$29.00$29.0010/13/2010 12:18:17 AM
Cluvnupe06$25.00$25.0010/13/2010 6:17:34 AM
authentic-peace7$25.00$25.0010/13/2010 5:18:23 AM
wonderous-power$25.00$25.0010/13/2010 8:12:36 AM
rmpedi33$75.00$34.3510/13/2010 9:41:33 AM
Pendruce$25.00$25.0010/13/2010 12:14:54 PM
Johnab$25.00$25.0010/14/2010 4:46:23 AM
niq4soccer$25.00$25.0010/14/2010 7:00:44 AM
Manta_Rai$25.00$25.0010/14/2010 7:23:19 AM
icecoldcash$100.00$100.0010/14/2010 1:43:53 PM
rce1964$25.00$25.0010/14/2010 12:25:20 PM
credit-guard5$25.00$25.0010/14/2010 2:55:37 PM
marwadi-62$74.00$74.0010/14/2010 4:02:46 PM
bold-social-advantage$150.00$150.0010/14/2010 6:08:51 PM
JeramyU$26.87$26.8710/14/2010 9:11:33 PM
the-kindness-honker$50.00$50.0010/14/2010 9:59:14 PM
Lender0307$25.00$25.0010/14/2010 10:09:37 PM
DoctorJoe$25.00$25.0010/15/2010 5:15:34 AM
penny-plato$50.00$50.0010/15/2010 8:21:46 AM
zztopdog$25.00$25.0010/15/2010 9:06:16 AM
loyalist1$100.00$100.0010/15/2010 8:45:41 AM
orange-agreement-historian$40.00$40.0010/15/2010 10:02:39 AM
Dollars4Rent$25.00$25.0010/15/2010 8:13:34 AM
Whitewater_Loans$50.00$50.0010/15/2010 11:34:18 AM
Barrayaran$25.00$25.0010/15/2010 10:31:08 AM
Global_Lender$25.00$25.0010/15/2010 11:47:34 AM
TheLoanManCan$25.00$25.0010/15/2010 2:59:45 PM
OregonDane$25.00$25.0010/15/2010 1:27:30 PM
Astyanax$100.00$100.0010/15/2010 3:14:29 PM
71 bids
 
Borrower Payment Dependent Notes Series 479351
This series of Notes was issued and sold upon the funding of the borrower loan #44863, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-18-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
Final lender yield: 31.48% Final borrower rate/APR: 32.48% / 36.15% Final monthly payment: $175.29
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.15%  
Lender servicing fee: 1.00% Estimated return: 11.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 8 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,324Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: bizlady75 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Aug-2010)
660-679 (Jan-2010)
640-659 (Nov-2009)
600-619 (Mar-2008)
 
Principal balance: $1,002.97 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards ran up for business expenses

My financial situation:
I am a good candidate for this loan because I have an existing loan ( almost paid off) in good standing and I will make all future payments on time and automatically

Monthly net income: $ 3500????

Monthly expenses: $
??Housing: $ 850
??Insurance: $ 125
??Car expenses: $ 150
??Utilities: $ 20
??Phone, cable, internet: $50
??Food, entertainment: $ 250
??Clothing, household expenses $150
??Credit cards and other loans: $ 350
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Wat are the balances of the credit cards you will be paying off and will your payments automatic - restless-dime
A: I did answer this previously sorry guess it didn't take - the balances are 2521.00 for payoff and yes automatic - the remainder will be used to pay off my existing loan with Prosper for 1008.00. Thank you . (Oct-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glroark$50.00$50.0010/12/2010 3:33:35 PM
mikeandcat$100.00$49.3810/13/2010 5:31:31 AM
realtormoises$25.00$25.0010/13/2010 2:44:00 PM
equitylender$53.00$53.0010/13/2010 6:42:22 PM
SFBank$300.00$300.0010/14/2010 7:19:14 PM
SolarMoonshine$25.00$25.0010/15/2010 3:53:00 AM
bright-exchange$25.00$25.0010/15/2010 11:40:55 AM
shawnw2$500.00$500.0010/15/2010 12:52:15 PM
Aberdeen$400.00$400.0010/15/2010 12:55:22 PM
supreme-hope$25.00$25.0010/15/2010 6:04:04 PM
credit-guard5$25.00$25.0010/15/2010 7:37:24 PM
CA_Lender$25.00$25.0010/16/2010 7:14:42 AM
sensible-fund$40.00$40.0010/16/2010 8:35:53 AM
five-star-note$150.00$150.0010/16/2010 10:15:22 AM
rockhound84$25.00$25.0010/17/2010 3:40:21 AM
larryboy10$25.00$25.0010/16/2010 8:40:12 PM
futurechef11$25.00$25.0010/17/2010 12:16:56 PM
CommunityArts_Non-profit$100.00$100.0010/17/2010 10:03:43 AM
hookUup$100.00$100.0010/17/2010 7:48:09 PM
preventivepestcontrol$50.00$50.0010/17/2010 8:05:09 PM
golffish2$200.00$200.0010/18/2010 4:04:44 AM
outofoffice$50.00$50.0010/18/2010 8:47:38 AM
shrewd-income$50.00$50.0010/18/2010 8:54:33 AM
TakeCare$40.00$40.0010/18/2010 8:37:16 AM
redhead21$25.00$25.0010/18/2010 9:41:31 AM
UCLA4life$50.00$50.0010/12/2010 3:36:23 PM
mikeandcat$47.57$47.5710/13/2010 5:32:01 AM
reflective-rupee$200.00$200.0010/13/2010 9:51:49 AM
penny-plato$25.00$25.0010/13/2010 3:34:37 PM
Kash2010lu$50.00$50.0010/13/2010 7:38:40 PM
Amber_Stone$25.00$25.0010/13/2010 8:34:17 PM
DasMula$25.00$25.0010/14/2010 8:15:25 PM
PXM-Financial$47.00$47.0010/14/2010 9:24:57 PM
lucrative-loan$100.00$100.0010/14/2010 7:25:44 PM
Aberdeen$400.00$400.0010/15/2010 12:55:24 PM
riverflow$48.05$48.0510/15/2010 3:49:55 PM
payout-reaction740$25.00$25.0010/15/2010 4:08:31 PM
mikeandcat$100.00$100.0010/15/2010 4:08:46 PM
head$25.00$25.0010/15/2010 5:44:24 PM
JustMee$25.00$25.0010/15/2010 7:26:43 PM
thankful-nickel2$25.00$25.0010/16/2010 11:30:54 AM
OLYVRC$25.00$25.0010/16/2010 5:31:30 PM
penny-plato$25.00$25.0010/17/2010 8:56:13 AM
kander80$25.00$25.0010/17/2010 11:29:02 AM
truth-trapper$25.00$25.0010/17/2010 7:13:58 PM
BlessedEveryDay$25.00$25.0010/17/2010 5:21:40 PM
loanman2007$200.00$200.0010/18/2010 5:22:30 AM
moola-monger9$50.00$50.0010/18/2010 8:48:52 AM
Kyileo$25.00$25.0010/18/2010 7:55:12 AM
49 bids
 
Borrower Payment Dependent Notes Series 479869
This series of Notes was issued and sold upon the funding of the borrower loan #44837, 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:  Oct-15-2010 
  Auction end date:  Oct-17-2010 
 
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: 16.71% - 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: Feb-2004 Debt/Income ratio: 20%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,515Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: blue-capital-conga Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2009)
 
Principal balance: $777.48 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off my credit cards
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
BidderAmount BidAmount WinningBid Date (PT)
WorldlyWorker$25.00$25.0010/15/2010 3:25:44 PM
svandgts$25.00$25.0010/15/2010 3:25:55 PM
swoosh$25.00$25.0010/15/2010 3:34:48 PM
lowcostmoney$25.00$25.0010/15/2010 3:26:14 PM
Gibbyland$50.00$50.0010/15/2010 3:27:56 PM
Diamond_Jim$25.00$25.0010/15/2010 3:34:16 PM
Artist_Blue$25.00$25.0010/15/2010 5:18:37 PM
zone6$108.03$108.0310/15/2010 8:32:17 PM
selfmademan$25.00$25.0010/16/2010 1:48:20 AM
platinum-hunter7$30.00$30.0010/16/2010 4:34:18 AM
inspiring-reward$200.00$200.0010/16/2010 10:29:06 AM
indomitable-dedication$25.00$25.0010/16/2010 11:52:58 AM
restless-dime$50.00$50.0010/16/2010 5:09:55 PM
Kash2010lu$35.00$35.0010/17/2010 9:02:25 AM
ore-armada$50.00$50.0010/15/2010 3:25:53 PM
imlosttoo$25.00$25.0010/15/2010 3:25:04 PM
samo102us$25.00$25.0010/15/2010 3:25:59 PM
Rob717171$25.00$25.0010/15/2010 3:28:23 PM
bid-chuckler$50.00$50.0010/15/2010 3:25:48 PM
reflective-rupee$150.00$150.0010/15/2010 3:42:17 PM
cablenews$25.00$25.0010/15/2010 3:35:35 PM
noble-revenue$50.00$50.0010/15/2010 3:47:50 PM
lucrative-loan$100.00$100.0010/15/2010 3:48:38 PM
JustMee$25.00$25.0010/15/2010 7:29:16 PM
wampum-chorus3$25.00$25.0010/15/2010 7:12:47 PM
forthright-dedication$25.00$25.0010/16/2010 2:29:35 AM
djsvin1$26.03$26.0310/16/2010 2:13:45 AM
revenue-officer36$25.00$0.9410/16/2010 8:20:06 PM
CommunityArts_Non-profit$25.00$25.0010/17/2010 10:10:39 AM
penny-plato$25.00$25.0010/17/2010 9:22:44 AM
SolarMoonshine$25.00$25.0010/17/2010 6:22:13 PM
EngineersAlliance$25.00$25.0010/17/2010 7:53:51 PM
hookUup$100.00$100.0010/17/2010 7:52:24 PM
drmoney11$25.00$25.0010/17/2010 8:47:46 PM
34 bids