Sales Report:Supplement No. 60 dated Oct 22, 2010 to Prospectus dated Jul 26, 2010File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 26, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
370460
This series of Notes was issued and sold upon the funding of the borrower loan #44945, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,625.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-13-2010 |
| |
Auction end date:
| Oct-20-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $148.97 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $148.97 |
| |
|
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):
| 7 |
First credit line:
| Apr-2004 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,531 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| pennmw |
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
Newlywed Debt Reduction
Purpose of loan:
This loan will be used to pay off debts from medical, store cards and Chase credit cards.? I want to consoladate all my cards, pay them off, close them, and move on.? I want to be able to move out of my apartment and into a new house with my wife.? We also are in need of getting a newer car.? Less credit cards will be a good thing for the future.
My financial situation:
I am a good candidate for this loan because I have a great steady paying job.? I have good job security since I work in a school district, and they are always in need of Technical Support staff for their computer issues.? I am coming up on my 5 year anniversary date.
Monthly net income: $
Net income of $2500, plus my wifes $1500/month
Monthly expenses: $
??Housing: $ 650
??Insurance: $ 100
??Car expenses: $ 150 gas?
??Utilities: $?150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radiant-loan5 | $100.00 | $100.00 | 10/13/2010 2:43:15 PM |
| bid-czar8 | $25.00 | $25.00 | 10/13/2010 3:01:34 PM |
| TakeCare | $60.00 | $60.00 | 10/13/2010 3:06:11 PM |
| penny-plato | $25.00 | $25.00 | 10/13/2010 3:38:49 PM |
| handshake5 | $100.00 | $100.00 | 10/13/2010 2:59:49 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/13/2010 5:45:04 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/14/2010 6:47:44 AM |
| washboard1 | $50.00 | $50.00 | 10/14/2010 1:48:13 PM |
| musegaze | $100.00 | $100.00 | 10/14/2010 5:33:56 PM |
| Wellman | $50.00 | $50.00 | 10/15/2010 6:32:32 AM |
| NoCal | $30.00 | $30.00 | 10/15/2010 11:55:29 AM |
| LifeRing | $75.00 | $75.00 | 10/17/2010 12:37:58 AM |
| SolarMoonshine | $25.00 | $25.00 | 10/18/2010 6:27:07 AM |
| 0OPS | $25.00 | $25.00 | 10/18/2010 6:47:47 AM |
| bold-attentive-listing | $25.00 | $25.00 | 10/18/2010 9:10:05 AM |
| Requiem | $25.00 | $25.00 | 10/19/2010 2:31:16 AM |
| jybank | $25.00 | $25.00 | 10/19/2010 10:18:37 AM |
| sfmf | $25.00 | $25.00 | 10/19/2010 9:13:15 AM |
| Bob450 | $25.00 | $25.00 | 10/19/2010 9:54:15 AM |
| on_your_side | $25.00 | $25.00 | 10/19/2010 1:32:29 PM |
| kind-bid-genome | $25.00 | $25.00 | 10/19/2010 12:33:06 PM |
| farchoir | $25.00 | $25.00 | 10/19/2010 1:49:38 PM |
| wwwUniversal | $25.00 | $25.00 | 10/19/2010 2:09:46 PM |
| FASTIZIO_P | $25.00 | $25.00 | 10/19/2010 4:10:22 PM |
| deepblue34 | $25.00 | $25.00 | 10/19/2010 5:21:55 PM |
| icon7 | $25.00 | $25.00 | 10/19/2010 4:21:13 PM |
| malcolmreynolds | $25.00 | $25.00 | 10/19/2010 5:02:30 PM |
| Hokies | $50.00 | $50.00 | 10/19/2010 6:40:40 PM |
| ghinga | $25.00 | $25.00 | 10/19/2010 6:40:57 PM |
| DHolly | $25.00 | $25.00 | 10/19/2010 5:12:54 PM |
| irrelevant | $25.00 | $25.00 | 10/19/2010 5:15:15 PM |
| JiggaJoeyS | $25.00 | $25.00 | 10/19/2010 6:32:56 PM |
| MrMoneyBags | $40.29 | $40.29 | 10/19/2010 6:30:57 PM |
| umfan123 | $25.00 | $25.00 | 10/19/2010 7:04:43 PM |
| pnqiad | $25.00 | $25.00 | 10/19/2010 7:27:39 PM |
| Shanester | $25.00 | $25.00 | 10/19/2010 7:14:35 PM |
| cr55595 | $25.00 | $25.00 | 10/20/2010 7:29:15 AM |
| rate-hickory | $25.00 | $25.00 | 10/20/2010 7:50:04 AM |
| golffish2 | $100.00 | $100.00 | 10/20/2010 7:58:26 AM |
| Leshan | $25.00 | $25.00 | 10/20/2010 8:48:31 AM |
| testguy | $50.00 | $50.00 | 10/20/2010 8:56:53 AM |
| leverage-monger | $25.00 | $25.00 | 10/20/2010 10:04:27 AM |
| Free-the-usa-1776 | $25.00 | $25.00 | 10/20/2010 11:15:17 AM |
| dinero-launcher | $25.00 | $25.00 | 10/20/2010 12:09:10 PM |
| ultimate-peace | $25.00 | $25.00 | 10/20/2010 12:25:47 PM |
| market-pudding | $25.00 | $25.00 | 10/20/2010 12:55:40 PM |
| just-trade0 | $36.00 | $36.00 | 10/20/2010 2:17:09 PM |
| revenue-appraiser | $25.00 | $25.00 | 10/20/2010 1:18:55 PM |
| aliasqalias | $25.00 | $25.00 | 10/20/2010 2:24:00 PM |
| teller | $50.00 | $50.00 | 10/13/2010 2:56:27 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/13/2010 2:54:15 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/15/2010 9:31:41 AM |
| money-bauble | $100.00 | $100.00 | 10/15/2010 1:09:26 PM |
| tech310 | $50.00 | $50.00 | 10/15/2010 3:50:45 PM |
| graceful-investment | $100.00 | $49.74 | 10/15/2010 4:19:06 PM |
| patriot384 | $120.00 | $120.00 | 10/18/2010 7:25:58 AM |
| mercuriant | $25.00 | $25.00 | 10/19/2010 2:07:45 AM |
| best-listing-toro | $25.00 | $25.00 | 10/19/2010 10:49:15 AM |
| circustab | $50.00 | $50.00 | 10/19/2010 12:11:16 PM |
| EngineersAlliance | $100.00 | $100.00 | 10/19/2010 2:08:28 PM |
| SkinnyFish | $25.00 | $25.00 | 10/19/2010 2:55:48 PM |
| One_Lolo | $25.00 | $25.00 | 10/19/2010 2:09:42 PM |
| EretzCapital | $50.00 | $50.00 | 10/19/2010 1:19:01 PM |
| silverloan | $26.13 | $26.13 | 10/19/2010 4:12:17 PM |
| rutzebach | $46.45 | $46.45 | 10/19/2010 5:44:36 PM |
| Helenska11 | $25.00 | $25.00 | 10/19/2010 5:07:38 PM |
| Ponies88 | $25.00 | $25.00 | 10/19/2010 5:32:50 PM |
| Bocephus1959 | $25.00 | $25.00 | 10/19/2010 5:48:55 PM |
| ritchie70 | $25.00 | $25.00 | 10/19/2010 7:06:41 PM |
| enthusiastic-ore5 | $25.00 | $25.00 | 10/19/2010 6:18:22 PM |
| attractive-value | $25.00 | $25.00 | 10/19/2010 7:35:28 PM |
| loan-fate | $26.38 | $26.38 | 10/19/2010 7:03:42 PM |
| carlos_chantana | $25.00 | $25.00 | 10/19/2010 7:08:09 PM |
| keeper24 | $25.00 | $25.00 | 10/20/2010 5:50:49 AM |
| Snoopylover | $25.00 | $25.00 | 10/20/2010 6:25:02 AM |
| nhambley | $25.00 | $25.00 | 10/20/2010 6:52:59 AM |
| jfs1179 | $25.00 | $25.00 | 10/20/2010 6:47:52 AM |
| aztocas | $25.00 | $25.00 | 10/20/2010 7:08:32 AM |
| bondhedger | $25.00 | $25.00 | 10/20/2010 8:22:59 AM |
| UBOtto186 | $25.00 | $25.00 | 10/20/2010 10:21:32 AM |
| dough-hammock | $25.00 | $25.00 | 10/20/2010 10:54:18 AM |
| mpatrick | $25.00 | $25.00 | 10/20/2010 10:38:41 AM |
| attractive-fund | $50.00 | $50.00 | 10/20/2010 10:44:16 AM |
| Astyanax | $100.00 | $100.00 | 10/20/2010 11:47:34 AM |
| compassion-paladin042 | $25.00 | $25.00 | 10/20/2010 12:11:57 PM |
| social-zebra | $30.00 | $30.00 | 10/20/2010 11:52:05 AM |
| hawaiitechnical | $25.00 | $25.00 | 10/20/2010 12:43:32 PM |
| realestate6606 | $100.00 | $100.00 | 10/20/2010 12:51:28 PM |
| leverage-monger | $30.00 | $30.00 | 10/20/2010 1:02:13 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/20/2010 1:10:29 PM |
| Nerdster1 | $30.01 | $30.01 | 10/20/2010 1:11:28 PM |
| AsianDragon | $25.00 | $25.00 | 10/20/2010 12:37:17 PM |
| toomanyfishtanks | $25.00 | $25.00 | 10/20/2010 12:56:27 PM |
| Lubava | $25.00 | $25.00 | 10/20/2010 1:06:21 PM |
| WMY-Investor | $100.00 | $100.00 | 10/20/2010 1:10:59 PM |
| tedi-tif | $25.00 | $25.00 | 10/20/2010 2:33:51 PM |
| grampy48 | $25.00 | $25.00 | 10/20/2010 1:41:06 PM |
| 97 bids
|
Borrower Payment Dependent Notes Series
458686
This series of Notes was issued and sold upon the funding of the borrower loan #44949, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-12-2010 |
| |
Auction end date:
| Oct-18-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $243.17 |
|
Final lender yield:
| 13.98% |
Final borrower rate/APR:
| 14.98% / 17.15% |
Final monthly payment:
| $242.59 |
| |
|
Auction yield range:
| 5.71% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.79% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Nov-2001 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,790 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| order-chooser4 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Outstanding Borrower
Purpose of loan:
This loan will be used to?Payoff a credit card I used for emergency!
My financial situation:
I am a good candidate for this loan because?I have perfect credit and live way below my means.
Monthly net income: $
3000
Monthly expenses: $
??Housing: $ 425
??Insurance: $ 112
??Car expenses: $ 0 payment
??Utilities: $ 100 Electricity?+ $96 Cable + Internet
??Phone: $ 65
??Food: $150
??Household expenses $ 50
??Credit cards and other loans: $ 86 Student Loan
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| tolerant-dinero2 | $25.00 | $25.00 | 10/12/2010 10:03:11 AM |
| credit-birch | $90.00 | $90.00 | 10/12/2010 9:59:52 AM |
| RandyL3 | $25.00 | $25.00 | 10/12/2010 10:28:51 AM |
| SOP_Bank | $25.00 | $25.00 | 10/12/2010 1:02:59 PM |
| penny-plato | $25.00 | $25.00 | 10/12/2010 12:59:33 PM |
| platinum-hunter7 | $70.00 | $70.00 | 10/12/2010 2:04:49 PM |
| Nailman88 | $25.00 | $25.00 | 10/12/2010 3:19:13 PM |
| nickelasaurus-rex | $25.00 | $25.00 | 10/12/2010 10:08:34 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/13/2010 2:48:33 PM |
| GeorgiaGator | $50.00 | $50.00 | 10/13/2010 4:27:20 PM |
| llequire1 | $27.91 | $27.91 | 10/15/2010 7:43:26 AM |
| rrfgloan | $110.63 | $110.63 | 10/15/2010 6:02:47 AM |
| heerzaquestion | $25.00 | $25.00 | 10/15/2010 7:20:59 AM |
| cippy | $50.00 | $50.00 | 10/15/2010 9:38:20 AM |
| Allichar | $40.77 | $40.77 | 10/15/2010 8:40:34 AM |
| shneb | $100.00 | $100.00 | 10/15/2010 11:30:43 AM |
| Babygear | $100.00 | $100.00 | 10/15/2010 10:13:32 AM |
| mustang9935 | $40.00 | $40.00 | 10/15/2010 11:28:45 AM |
| kander80 | $25.00 | $25.00 | 10/15/2010 3:29:58 PM |
| gmf | $25.00 | $25.00 | 10/15/2010 3:58:42 PM |
| Land_on_your_feet | $75.00 | $75.00 | 10/15/2010 3:40:55 PM |
| Belair_Advisors | $25.00 | $25.00 | 10/15/2010 8:57:15 PM |
| icon7 | $35.00 | $35.00 | 10/15/2010 5:21:45 PM |
| vc4114 | $25.00 | $25.00 | 10/15/2010 8:36:49 PM |
| dollardave | $100.00 | $100.00 | 10/15/2010 11:17:44 PM |
| JeramyU | $25.00 | $25.00 | 10/16/2010 9:03:12 AM |
| tomdooley12520 | $25.00 | $25.00 | 10/16/2010 4:40:22 AM |
| investment-artist | $25.00 | $25.00 | 10/16/2010 10:09:46 AM |
| Oakland | $50.00 | $50.00 | 10/16/2010 7:58:52 AM |
| Independenttools | $25.00 | $25.00 | 10/16/2010 7:03:44 PM |
| ready-agreement5 | $100.00 | $100.00 | 10/16/2010 12:36:33 PM |
| _NaLNaBB | $400.00 | $400.00 | 10/17/2010 10:26:16 AM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 10/17/2010 1:24:11 PM |
| sportract05 | $50.00 | $50.00 | 10/17/2010 9:39:42 AM |
| dsnybnd | $25.00 | $25.00 | 10/17/2010 2:28:29 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/17/2010 11:03:24 AM |
| KSPHoldings | $25.00 | $25.00 | 10/17/2010 4:15:08 PM |
| felicity-daydream | $68.00 | $68.00 | 10/17/2010 10:42:54 PM |
| mobius_titan | $25.00 | $25.00 | 10/18/2010 6:19:02 AM |
| msmlender | $31.89 | $31.89 | 10/18/2010 5:13:31 AM |
| JCM_MN | $43.00 | $43.00 | 10/18/2010 4:54:28 AM |
| thrilling-nickel5 | $25.00 | $25.00 | 10/18/2010 5:05:38 AM |
| HealthyWealthNow | $25.00 | $25.00 | 10/18/2010 7:14:57 AM |
| chrisb1414 | $25.00 | $25.00 | 10/18/2010 6:32:47 AM |
| economy-caper9 | $25.00 | $25.00 | 10/18/2010 7:14:14 AM |
| excellent-nickel | $50.00 | $50.00 | 10/18/2010 8:21:21 AM |
| peso-fortress | $25.00 | $25.00 | 10/18/2010 7:20:31 AM |
| toomanyfishtanks | $25.00 | $25.00 | 10/18/2010 7:11:27 AM |
| triumphant-bonus | $30.00 | $30.00 | 10/18/2010 8:40:50 AM |
| debt-legend | $25.00 | $25.00 | 10/18/2010 7:24:19 AM |
| njcass79 | $40.82 | $40.82 | 10/18/2010 7:51:46 AM |
| brightest-excellent-rate | $50.00 | $50.00 | 10/18/2010 9:14:47 AM |
| payment-halo | $25.00 | $25.00 | 10/18/2010 8:47:31 AM |
| LendingMind | $50.00 | $50.00 | 10/18/2010 8:54:45 AM |
| moola-monger9 | $50.00 | $50.00 | 10/18/2010 8:38:44 AM |
| Mindful7 | $25.00 | $25.00 | 10/18/2010 10:03:57 AM |
| lostviajero | $25.00 | $25.00 | 10/18/2010 9:38:38 AM |
| mpincal | $50.00 | $50.00 | 10/18/2010 11:29:51 AM |
| tarion3 | $25.00 | $25.00 | 10/18/2010 11:57:46 AM |
| smear87 | $25.00 | $25.00 | 10/18/2010 12:52:28 PM |
| patriot384 | $360.00 | $360.00 | 10/18/2010 10:52:39 AM |
| poster177 | $50.00 | $50.00 | 10/18/2010 11:07:43 AM |
| vineet | $25.17 | $25.17 | 10/18/2010 12:14:43 PM |
| lilgates26 | $26.15 | $26.15 | 10/18/2010 12:32:17 PM |
| jybank | $25.00 | $25.00 | 10/18/2010 12:05:56 PM |
| spacemonk29 | $50.00 | $50.00 | 10/18/2010 12:41:05 PM |
| sign_here | $25.00 | $25.00 | 10/18/2010 12:43:12 PM |
| preventivepestcontrol | $50.00 | $50.00 | 10/12/2010 11:06:56 AM |
| selector568 | $25.00 | $25.00 | 10/12/2010 5:42:43 PM |
| Riccous | $100.00 | $100.00 | 10/12/2010 11:05:35 PM |
| jrhinomo | $35.00 | $35.00 | 10/13/2010 9:23:31 AM |
| lendstats_com | $200.00 | $200.00 | 10/13/2010 7:56:27 AM |
| Whitewater_Loans | $25.00 | $25.00 | 10/13/2010 11:35:43 AM |
| integrity-palm9 | $50.00 | $50.00 | 10/13/2010 4:44:33 PM |
| nolahelper | $25.00 | $25.00 | 10/14/2010 7:40:57 AM |
| rbotterbLLC | $25.00 | $25.00 | 10/14/2010 11:56:29 AM |
| AK49-JW | $50.00 | $50.00 | 10/14/2010 4:01:51 PM |
| interest-financier265 | $50.00 | $50.00 | 10/14/2010 6:33:36 PM |
| generous-agreement | $25.00 | $25.00 | 10/15/2010 5:58:37 AM |
| hawaii5-0 | $30.00 | $30.00 | 10/15/2010 1:49:19 AM |
| vigman777 | $25.00 | $17.76 | 10/14/2010 7:26:39 PM |
| new-aggresive-investment | $47.00 | $47.00 | 10/15/2010 8:30:51 AM |
| Richlaw | $400.00 | $400.00 | 10/15/2010 7:09:29 AM |
| tdswellington | $25.00 | $25.00 | 10/15/2010 10:21:55 AM |
| bonus-genius | $25.00 | $25.00 | 10/15/2010 4:55:03 PM |
| tedi-tif | $40.00 | $40.00 | 10/15/2010 3:34:52 PM |
| DasMula | $25.00 | $25.00 | 10/15/2010 6:42:06 PM |
| spiff666 | $25.00 | $25.00 | 10/15/2010 7:32:47 PM |
| authoritative-loot | $25.00 | $25.00 | 10/15/2010 8:30:48 PM |
| repaymeplease | $27.08 | $27.08 | 10/15/2010 5:55:51 PM |
| Jwkeil | $25.00 | $25.00 | 10/15/2010 6:14:00 PM |
| aarons34 | $25.21 | $25.21 | 10/15/2010 9:23:45 PM |
| credit-guard5 | $25.00 | $25.00 | 10/15/2010 7:22:45 PM |
| dsnybnd | $25.00 | $25.00 | 10/15/2010 10:04:31 PM |
| patriot897 | $25.00 | $25.00 | 10/15/2010 11:57:58 PM |
| kind-value-pouch | $200.00 | $200.00 | 10/16/2010 4:24:16 AM |
| TheTimeIsNow | $34.00 | $34.00 | 10/16/2010 5:20:08 AM |
| Sol_Invictus | $25.00 | $25.00 | 10/16/2010 5:54:42 AM |
| thankful-nickel2 | $25.00 | $25.00 | 10/16/2010 11:53:29 AM |
| one-midas | $50.00 | $50.00 | 10/16/2010 9:30:56 AM |
| Anamorph | $25.00 | $25.00 | 10/16/2010 1:26:13 PM |
| crw1950 | $50.00 | $50.00 | 10/16/2010 11:45:10 AM |
| prohelper | $33.11 | $33.11 | 10/16/2010 8:20:33 PM |
| MattProsper | $45.00 | $45.00 | 10/16/2010 3:12:13 PM |
| TechieLender | $50.00 | $50.00 | 10/16/2010 3:24:16 PM |
| Richmp412 | $25.00 | $25.00 | 10/16/2010 5:59:09 PM |
| auction-workhorse679 | $50.00 | $50.00 | 10/17/2010 5:19:17 AM |
| favorite-commerce | $50.00 | $50.00 | 10/16/2010 8:21:13 PM |
| doc1 | $100.00 | $100.00 | 10/17/2010 8:57:14 AM |
| dime-vista2 | $28.13 | $28.13 | 10/16/2010 10:30:27 PM |
| q4golf | $25.00 | $25.00 | 10/17/2010 12:50:49 PM |
| Lender0307 | $25.00 | $25.00 | 10/17/2010 8:48:12 AM |
| commanding-income774 | $25.00 | $25.00 | 10/17/2010 5:28:10 AM |
| rainbowsorbet | $25.00 | $25.00 | 10/17/2010 9:52:43 AM |
| tomdooley12520 | $25.00 | $25.00 | 10/17/2010 8:47:12 AM |
| fair_rates | $25.00 | $25.00 | 10/17/2010 9:04:46 AM |
| katnmouse | $25.00 | $25.00 | 10/17/2010 10:35:55 AM |
| Midg | $25.00 | $25.00 | 10/17/2010 7:28:50 PM |
| Image68 | $25.00 | $25.00 | 10/17/2010 2:48:38 PM |
| mrnazraq | $25.00 | $25.00 | 10/17/2010 7:13:11 PM |
| Byrd24 | $100.00 | $100.00 | 10/17/2010 6:43:09 PM |
| HamIAm | $100.00 | $100.00 | 10/18/2010 3:08:18 AM |
| triumph329 | $25.00 | $25.00 | 10/18/2010 6:19:59 AM |
| greekgst99 | $25.00 | $25.00 | 10/18/2010 4:53:51 AM |
| bomdel | $25.00 | $25.00 | 10/18/2010 8:05:01 AM |
| TakeCare | $100.00 | $100.00 | 10/18/2010 8:20:24 AM |
| Young-Y | $41.34 | $41.34 | 10/18/2010 7:02:45 AM |
| pueblopablo | $49.32 | $49.32 | 10/18/2010 7:16:14 AM |
| Grandmahoneybee | $25.00 | $25.00 | 10/18/2010 8:21:48 AM |
| oldman68 | $25.00 | $25.00 | 10/18/2010 8:29:02 AM |
| jtn4148 | $50.00 | $50.00 | 10/18/2010 8:48:40 AM |
| WealthBuildingLessons | $50.00 | $50.00 | 10/18/2010 8:27:52 AM |
| balance-force | $25.00 | $25.00 | 10/18/2010 9:03:58 AM |
| social-comet7 | $25.00 | $25.00 | 10/18/2010 9:36:34 AM |
| Erie100 | $25.00 | $25.00 | 10/18/2010 10:22:53 AM |
| CaliforniaSun | $25.00 | $25.00 | 10/18/2010 9:40:02 AM |
| Requiem | $25.00 | $25.00 | 10/18/2010 9:41:36 AM |
| corporatejim | $50.00 | $50.00 | 10/18/2010 9:46:48 AM |
| n2fitns | $50.00 | $50.00 | 10/18/2010 10:11:59 AM |
| market-squadron3 | $50.00 | $50.00 | 10/18/2010 12:01:47 PM |
| crawfishcentral | $32.71 | $32.71 | 10/18/2010 10:46:59 AM |
| FinanceEngine | $25.00 | $25.00 | 10/18/2010 12:58:05 PM |
| FundMaker | $25.00 | $25.00 | 10/18/2010 11:35:09 AM |
| mcs99 | $100.00 | $100.00 | 10/18/2010 11:58:07 AM |
| repaymeplease | $25.00 | $25.00 | 10/18/2010 12:58:38 PM |
| blindtaxidriver | $25.00 | $25.00 | 10/18/2010 12:55:28 PM |
| 146 bids
|
Borrower Payment Dependent Notes Series
478256
This series of Notes was issued and sold upon the funding of the borrower loan #44946, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,800.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.25% |
Auction start date:
| Oct-12-2010 |
| |
Auction end date:
| Oct-16-2010 |
|
|
Starting lender yield:
| 9.80% |
Starting borrower rate/APR:
| 10.80% / 12.92% |
Starting monthly payment:
| $221.98 |
|
Final lender yield:
| 9.80% |
Final borrower rate/APR:
| 10.80% / 12.92% |
Final monthly payment:
| $221.98 |
| |
|
Auction yield range:
| 3.71% - 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:
| Jul-1999 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,833 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| gold-trumpeter |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $14,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Nov-2009)
|
|
Principal balance:
| $10,574.58 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Credit card debt be gone
Purpose of loan:
This loan will be used to pay off the credit card balance that is around $6,800 at about 20 percent APR.? I used the card to make improvements on my home, including renovating the basement unit, which I should be able to rent out for more than $1,000/mo.
My financial situation:
I am a good candidate for this loan because I have excellent credit and job stability.? I own my car and have considerable equity in my home (I believe homes in my neighborhood have actually increased in value in the last 2-3 yrs due to gentrification of the surrounding area.? The zip code is 20010 in case you are interested.)? Also, my income is set to rise in January and again in May of 2011 and the additional rental income from my basement should be especially fruitful.? In summary, I am good candidate for this loan b/c I am financially stable civil servant who is in a great position to make regular and timely payments for the duration of the loan.? I sincerely look forward to serving your investment interests. Thank you.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| jazzlender | $25.00 | $25.00 | 10/12/2010 3:34:10 PM |
| kmr2 | $200.00 | $200.00 | 10/12/2010 3:34:33 PM |
| payout-achievement | $100.00 | $100.00 | 10/12/2010 3:35:57 PM |
| Gabriel02 | $25.00 | $25.00 | 10/12/2010 3:33:09 PM |
| Weaverville | $50.00 | $50.00 | 10/12/2010 3:33:12 PM |
| generous-deal6 | $50.00 | $50.00 | 10/12/2010 3:33:56 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/12/2010 3:34:08 PM |
| mjunlimited | $50.00 | $50.00 | 10/12/2010 3:35:47 PM |
| crenen139 | $25.00 | $25.00 | 10/12/2010 3:36:10 PM |
| alpinaut | $25.00 | $25.00 | 10/12/2010 3:33:03 PM |
| papaloha | $100.00 | $100.00 | 10/12/2010 3:33:37 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/12/2010 4:19:30 PM |
| greenback-bull6 | $50.00 | $50.00 | 10/12/2010 5:03:07 PM |
| DRA-Properties | $25.00 | $25.00 | 10/12/2010 3:34:05 PM |
| ogmanny | $50.00 | $50.00 | 10/12/2010 3:34:27 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/12/2010 3:34:40 PM |
| escharfer | $25.00 | $25.00 | 10/12/2010 3:34:47 PM |
| bambampk | $25.00 | $25.00 | 10/12/2010 3:35:04 PM |
| delicious-social132 | $50.00 | $50.00 | 10/12/2010 3:35:20 PM |
| itnAAnti | $25.00 | $25.00 | 10/12/2010 3:36:20 PM |
| Edge-City | $25.00 | $25.00 | 10/12/2010 7:58:24 PM |
| focused-return366 | $50.00 | $50.00 | 10/12/2010 10:45:18 PM |
| bid-czar8 | $50.00 | $50.00 | 10/13/2010 2:57:57 AM |
| retiresecure | $25.00 | $25.00 | 10/13/2010 6:45:29 AM |
| Interstate_Rate | $32.42 | $32.42 | 10/13/2010 1:06:07 AM |
| magnificent-income7 | $50.00 | $50.00 | 10/13/2010 8:56:27 AM |
| fairness-kayak | $25.00 | $25.00 | 10/13/2010 9:44:19 AM |
| TakeCare | $80.00 | $80.00 | 10/13/2010 10:54:20 AM |
| cpbreton | $25.00 | $25.00 | 10/13/2010 9:40:09 AM |
| jimbo29blue | $50.00 | $50.00 | 10/13/2010 2:06:32 PM |
| asset-equilibrium0 | $50.00 | $50.00 | 10/13/2010 12:28:20 PM |
| penny-plato | $25.00 | $25.00 | 10/13/2010 12:53:21 PM |
| tomdooley12520 | $25.00 | $25.00 | 10/13/2010 1:43:52 PM |
| haplender | $50.00 | $50.00 | 10/13/2010 12:38:51 PM |
| williemc44 | $50.00 | $50.00 | 10/13/2010 7:39:32 PM |
| capital-star5 | $25.07 | $25.07 | 10/14/2010 8:03:09 AM |
| Galdis | $25.00 | $25.00 | 10/14/2010 8:40:03 AM |
| heerzaquestion | $25.00 | $25.00 | 10/14/2010 6:49:30 AM |
| a-finance-nirvana | $25.00 | $25.00 | 10/13/2010 11:54:24 PM |
| GElender | $50.00 | $50.00 | 10/14/2010 7:55:00 AM |
| flexible-vigilance7 | $25.00 | $25.00 | 10/14/2010 8:11:51 AM |
| efficient-treasure0 | $25.00 | $25.00 | 10/14/2010 10:58:20 AM |
| maldok1 | $25.00 | $25.00 | 10/14/2010 1:13:11 PM |
| shmb6508 | $38.76 | $38.76 | 10/14/2010 2:34:37 PM |
| lendingforfun | $50.00 | $50.00 | 10/14/2010 7:12:46 PM |
| sign_here | $25.00 | $23.77 | 10/14/2010 6:21:55 PM |
| chemistry220 | $25.00 | $25.00 | 10/14/2010 6:07:42 PM |
| wwwUniversal | $25.00 | $25.00 | 10/15/2010 6:44:27 AM |
| brginhuntr | $33.77 | $33.77 | 10/15/2010 11:46:33 AM |
| crjcapt | $250.00 | $250.00 | 10/15/2010 2:01:12 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/15/2010 1:27:30 PM |
| rmpedi33 | $75.00 | $75.00 | 10/15/2010 1:44:54 PM |
| kind-value-pouch | $100.00 | $100.00 | 10/16/2010 4:20:20 AM |
| thankful-nickel2 | $25.00 | $25.00 | 10/16/2010 11:22:57 AM |
| adventure0 | $75.00 | $75.00 | 10/16/2010 11:35:39 AM |
| TwinCities | $25.00 | $25.00 | 10/16/2010 10:17:14 AM |
| jdwillcox | $50.00 | $50.00 | 10/12/2010 3:34:21 PM |
| ichibon | $150.00 | $150.00 | 10/12/2010 3:34:50 PM |
| greentomato | $25.00 | $25.00 | 10/12/2010 3:35:00 PM |
| jeg3k | $50.00 | $50.00 | 10/12/2010 3:36:04 PM |
| rescue | $50.00 | $50.00 | 10/12/2010 3:32:59 PM |
| loan-mammal | $25.00 | $25.00 | 10/12/2010 3:36:24 PM |
| bountiful-durability | $100.00 | $100.00 | 10/12/2010 3:33:59 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/12/2010 3:34:48 PM |
| forthright-dedication | $50.00 | $50.00 | 10/12/2010 3:53:42 PM |
| 6moonbeams | $200.00 | $200.00 | 10/12/2010 3:35:31 PM |
| FenPro | $100.00 | $100.00 | 10/12/2010 3:53:49 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 10/12/2010 3:35:50 PM |
| radforj22 | $25.00 | $25.00 | 10/12/2010 3:33:06 PM |
| authentic-liberty7 | $25.00 | $25.00 | 10/12/2010 3:33:40 PM |
| meenan | $25.00 | $25.00 | 10/12/2010 3:33:45 PM |
| objective-investor | $100.00 | $100.00 | 10/12/2010 3:34:37 PM |
| bowdish1 | $50.00 | $50.00 | 10/12/2010 3:34:43 PM |
| tntmojave | $25.00 | $25.00 | 10/12/2010 3:34:55 PM |
| murph0025 | $40.00 | $40.00 | 10/12/2010 3:35:18 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/12/2010 3:35:52 PM |
| jigsaw | $100.00 | $100.00 | 10/12/2010 3:36:03 PM |
| RandyL3 | $25.00 | $25.00 | 10/12/2010 3:36:07 PM |
| bold-social-advantage | $75.00 | $75.00 | 10/12/2010 5:43:58 PM |
| MadHun | $75.00 | $75.00 | 10/12/2010 5:03:42 PM |
| worthy-bid8 | $100.00 | $100.00 | 10/12/2010 5:23:01 PM |
| faranga | $123.44 | $123.44 | 10/13/2010 4:31:50 AM |
| debt-patriot | $25.00 | $25.00 | 10/13/2010 5:49:58 AM |
| diversification-balancer870 | $100.00 | $100.00 | 10/13/2010 6:25:53 AM |
| MoonMama | $25.00 | $25.00 | 10/13/2010 1:42:47 AM |
| selector568 | $400.00 | $400.00 | 10/13/2010 9:43:12 AM |
| handshake5 | $100.00 | $100.00 | 10/13/2010 9:50:19 AM |
| mspiggybank | $100.00 | $100.00 | 10/13/2010 7:43:35 AM |
| katnmouse | $35.00 | $35.00 | 10/13/2010 10:23:03 AM |
| jimbo29blue | $50.00 | $50.00 | 10/13/2010 2:06:54 PM |
| DasMula | $25.00 | $25.00 | 10/13/2010 12:36:50 PM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/13/2010 10:17:53 AM |
| platinum-hunter7 | $50.00 | $50.00 | 10/13/2010 2:49:44 PM |
| SelectTrustLending | $25.00 | $25.00 | 10/13/2010 2:28:30 PM |
| DDPrime | $100.00 | $100.00 | 10/13/2010 3:17:32 PM |
| hookUup | $50.00 | $50.00 | 10/13/2010 4:33:43 PM |
| taurusco | $50.00 | $50.00 | 10/13/2010 4:53:03 PM |
| treasure-omatic2 | $25.00 | $25.00 | 10/13/2010 7:11:46 PM |
| first-serene-credit | $100.00 | $100.00 | 10/14/2010 7:39:18 AM |
| larrybird | $150.00 | $150.00 | 10/14/2010 1:22:57 PM |
| CCLP2P | $30.64 | $30.64 | 10/14/2010 12:00:32 PM |
| payout-reaction740 | $25.00 | $25.00 | 10/14/2010 12:02:45 PM |
| Sevron | $100.00 | $100.00 | 10/14/2010 10:28:04 AM |
| market-squadron3 | $100.00 | $100.00 | 10/14/2010 1:42:37 PM |
| enthralling-deal180 | $50.00 | $50.00 | 10/14/2010 2:35:22 PM |
| outofoffice | $50.00 | $50.00 | 10/14/2010 3:03:46 PM |
| cimbaman | $50.00 | $50.00 | 10/15/2010 3:33:57 AM |
| Brian5 | $50.00 | $50.00 | 10/15/2010 5:09:01 AM |
| LinusLive | $61.13 | $61.13 | 10/15/2010 5:49:23 AM |
| durability-halibut | $25.00 | $25.00 | 10/14/2010 9:09:11 PM |
| thrilling-nickel5 | $26.00 | $26.00 | 10/15/2010 6:05:23 AM |
| forthright-principal2 | $25.00 | $25.00 | 10/15/2010 6:44:22 AM |
| JBG | $25.00 | $25.00 | 10/15/2010 1:05:45 PM |
| LawyerLoan | $100.00 | $100.00 | 10/15/2010 5:13:10 PM |
| kander80 | $25.00 | $25.00 | 10/15/2010 3:50:24 PM |
| icon7 | $25.00 | $25.00 | 10/15/2010 5:31:31 PM |
| Earnest_Money | $25.00 | $25.00 | 10/15/2010 6:55:20 PM |
| attractive-rate | $25.00 | $25.00 | 10/16/2010 5:35:08 AM |
| SCD | $25.00 | $25.00 | 10/16/2010 6:17:39 AM |
| 119 bids
|
Borrower Payment Dependent Notes Series
478390
This series of Notes was issued and sold upon the funding of the borrower loan #44929, 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:
| 18.30% |
Auction start date:
| Oct-06-2010 |
| |
Auction end date:
| Oct-13-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $135.71 |
| |
|
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:
| Dec-1993 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,566 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| xoxoxo22 |
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
Payoff Credit Cards
Purpose of loan:
To pay off credit cards and become debt-free.
My financial situation:
I am a good candidate for this loan because I have never been late on a payment, have a steady job at a college, and am motivated to pay off the loan during the term or even earlier. I am an extremely responsible individual and take this loan seriously. I'm trying to rebuild my credit by paying off some credit cards and a loan. This will make it easier for me to payoff this loan quicker.
Monthly net Income:? $2800
Monthly Expenses:
Housing - $950
Utilities - $150
Phone/Cable/Internet - $75
Food/Entertainment - $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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| lendstats_com | $25.00 | $25.00 | 10/6/2010 2:32:08 PM |
| jpaulnyc | $25.00 | $25.00 | 10/6/2010 2:39:05 PM |
| Gibbyland | $50.00 | $50.00 | 10/6/2010 3:23:45 PM |
| AlexTrep | $50.00 | $50.00 | 10/6/2010 3:23:18 PM |
| cablenews | $25.00 | $25.00 | 10/6/2010 3:19:24 PM |
| noble-revenue | $50.00 | $50.00 | 10/7/2010 8:08:00 AM |
| villagers | $25.00 | $25.00 | 10/7/2010 9:42:53 AM |
| Diamond_Jim | $25.00 | $25.00 | 10/7/2010 12:33:39 PM |
| nodebt2012 | $25.00 | $25.00 | 10/8/2010 7:59:29 PM |
| CashFlow13 | $1,000.00 | $1,000.00 | 10/10/2010 9:55:46 PM |
| kulender | $50.00 | $50.00 | 10/11/2010 3:11:48 PM |
| nilonc1 | $25.00 | $25.00 | 10/11/2010 2:24:45 PM |
| principal-jedi | $100.00 | $100.00 | 10/12/2010 12:32:14 PM |
| IIP77 | $25.00 | $25.00 | 10/12/2010 3:14:44 PM |
| head | $25.00 | $25.00 | 10/12/2010 3:14:42 PM |
| penny-plato | $25.00 | $25.00 | 10/12/2010 5:19:46 PM |
| generous-deal6 | $25.00 | $25.00 | 10/12/2010 7:58:07 PM |
| Madmigel | $41.03 | $41.03 | 10/12/2010 7:07:57 PM |
| enthusiastic-capital1 | $25.00 | $25.00 | 10/13/2010 4:08:55 AM |
| iolaire | $25.00 | $25.00 | 10/13/2010 5:43:01 AM |
| friendinmoney | $25.00 | $25.00 | 10/13/2010 8:37:19 AM |
| Comoparklender | $25.00 | $1.73 | 10/13/2010 7:12:48 AM |
| Leshan | $25.00 | $25.00 | 10/13/2010 7:48:06 AM |
| sgt-schultz | $25.00 | $25.00 | 10/13/2010 8:49:15 AM |
| economy-popcorn | $25.00 | $25.00 | 10/13/2010 10:08:23 AM |
| econgineer | $25.00 | $25.00 | 10/13/2010 11:55:17 AM |
| squarebob | $25.00 | $25.00 | 10/13/2010 12:13:24 PM |
| lucrative-coin | $50.00 | $50.00 | 10/13/2010 12:26:12 PM |
| vmh20035 | $30.00 | $30.00 | 10/13/2010 11:30:15 AM |
| squarebob | $25.00 | $25.00 | 10/13/2010 12:12:17 PM |
| squarebob | $25.00 | $25.00 | 10/13/2010 12:13:08 PM |
| squarebob | $25.00 | $25.00 | 10/13/2010 12:14:08 PM |
| loanermn | $25.00 | $25.00 | 10/13/2010 1:59:54 PM |
| xiobus | $25.00 | $25.00 | 10/13/2010 2:18:25 PM |
| weezy22 | $28.00 | $28.00 | 10/13/2010 12:00:49 PM |
| social-zebra | $25.00 | $25.00 | 10/13/2010 1:26:58 PM |
| agiovasil | $25.00 | $25.00 | 10/6/2010 2:32:32 PM |
| jpaulnyc | $25.00 | $25.00 | 10/6/2010 2:39:26 PM |
| Artist_Blue | $25.00 | $25.00 | 10/6/2010 3:18:41 PM |
| bid-chuckler | $25.00 | $25.00 | 10/6/2010 10:23:42 PM |
| bold-shrewd-duty | $25.00 | $25.00 | 10/11/2010 3:11:57 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/11/2010 5:48:02 PM |
| zydeco337 | $25.00 | $25.00 | 10/12/2010 6:32:17 AM |
| JustMee | $25.00 | $25.00 | 10/11/2010 7:22:46 PM |
| preventivepestcontrol | $50.00 | $50.00 | 10/12/2010 11:32:37 AM |
| MarinLoans | $25.00 | $25.00 | 10/12/2010 3:04:26 PM |
| icecoldcash | $30.00 | $30.00 | 10/12/2010 3:14:39 PM |
| Land_on_your_feet | $75.00 | $75.00 | 10/12/2010 3:42:56 PM |
| barefootpaul | $25.00 | $25.00 | 10/12/2010 3:16:07 PM |
| finance-solo | $42.68 | $42.68 | 10/12/2010 5:42:33 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/12/2010 5:24:05 PM |
| Lubava | $25.00 | $25.00 | 10/12/2010 4:25:17 PM |
| seanickson | $25.00 | $25.00 | 10/12/2010 8:24:07 PM |
| curriculum7 | $25.00 | $25.00 | 10/12/2010 4:43:52 PM |
| vine99 | $40.00 | $40.00 | 10/12/2010 10:07:49 PM |
| silver-parsec | $26.56 | $26.56 | 10/13/2010 4:56:29 AM |
| penny-plato | $25.00 | $25.00 | 10/13/2010 7:21:14 AM |
| data2360 | $50.00 | $50.00 | 10/13/2010 5:43:02 AM |
| AF-Chief | $35.00 | $35.00 | 10/13/2010 5:32:51 AM |
| genuine-money | $50.00 | $50.00 | 10/13/2010 7:25:33 AM |
| squarebob | $25.00 | $25.00 | 10/13/2010 12:13:41 PM |
| revenue-appraiser | $25.00 | $25.00 | 10/13/2010 1:54:42 PM |
| PunjabBank | $50.00 | $50.00 | 10/13/2010 2:16:11 PM |
| HomerdohNY | $25.00 | $25.00 | 10/13/2010 11:27:52 AM |
| squarebob | $25.00 | $25.00 | 10/13/2010 12:12:52 PM |
| 65 bids
|
Borrower Payment Dependent Notes Series
479022
This series of Notes was issued and sold upon the funding of the borrower loan #44943, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.50% |
Auction start date:
| Oct-12-2010 |
| |
Auction end date:
| Oct-19-2010 |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $295.29 |
|
Final lender yield:
| 10.15% |
Final borrower rate/APR:
| 11.15% / 13.27% |
Final monthly payment:
| $295.29 |
| |
|
Auction yield range:
| 3.71% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jan-1992 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 800-819 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 4y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,294 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| powerful-yield6 |
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.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? Consolidate and pay off higher interest credit card debt.? I am committed to paying off all my credit card debt within the next year to eighteen months.
My financial situation:
I am a good candidate for this loan because? I have been steadily employed as an attorney for over 15 years and have demonstrated an ability to pay my bills on time for the length of my credit history.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| papaloha | $25.00 | $25.00 | 10/12/2010 9:47:01 AM |
| Rockymtnhi | $100.00 | $100.00 | 10/12/2010 9:45:06 AM |
| bountiful-durability | $100.00 | $100.00 | 10/12/2010 9:56:57 AM |
| jdwillcox | $50.00 | $50.00 | 10/12/2010 9:59:49 AM |
| ogmanny | $50.00 | $50.00 | 10/12/2010 10:00:17 AM |
| JohnGalt79 | $100.00 | $100.00 | 10/12/2010 10:01:50 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/12/2010 10:03:18 AM |
| murph0025 | $40.00 | $40.00 | 10/12/2010 10:08:15 AM |
| 6moonbeams | $200.00 | $200.00 | 10/12/2010 10:09:55 AM |
| bambampk | $25.00 | $25.00 | 10/12/2010 10:06:58 AM |
| kmr2 | $200.00 | $200.00 | 10/12/2010 10:00:46 AM |
| delicious-social132 | $50.00 | $50.00 | 10/12/2010 10:08:35 AM |
| fairness-kayak | $25.00 | $25.00 | 10/12/2010 10:13:29 AM |
| income-fortress | $25.00 | $25.00 | 10/12/2010 10:13:58 AM |
| greentomato | $25.00 | $25.00 | 10/12/2010 10:04:28 AM |
| mjunlimited | $50.00 | $50.00 | 10/12/2010 10:15:17 AM |
| jigsaw | $100.00 | $100.00 | 10/12/2010 10:26:25 AM |
| crenen139 | $25.00 | $25.00 | 10/12/2010 10:31:22 AM |
| jeg3k | $50.00 | $50.00 | 10/12/2010 10:28:19 AM |
| platinum-hunter7 | $60.00 | $60.00 | 10/12/2010 1:49:08 PM |
| STAN7366 | $100.00 | $100.00 | 10/12/2010 1:12:37 PM |
| forthright-dedication | $50.00 | $50.00 | 10/12/2010 3:53:48 PM |
| worthy-bid8 | $50.00 | $50.00 | 10/12/2010 5:17:45 PM |
| chemistry220 | $50.00 | $50.00 | 10/13/2010 4:32:47 AM |
| loyalist1 | $100.00 | $100.00 | 10/13/2010 9:03:19 AM |
| DasMula | $25.00 | $25.00 | 10/13/2010 12:34:22 PM |
| Bcs-cnc | $25.00 | $25.00 | 10/14/2010 11:26:05 AM |
| respectful-integrity3 | $40.00 | $40.00 | 10/15/2010 1:39:30 PM |
| lavendergirl | $25.00 | $25.00 | 10/15/2010 8:36:30 PM |
| UOweMe | $25.00 | $25.00 | 10/16/2010 9:53:04 AM |
| principal-bull | $25.00 | $25.00 | 10/16/2010 6:45:31 AM |
| maximizer | $25.00 | $25.00 | 10/16/2010 11:36:57 AM |
| brightest-fascinating-principal | $25.00 | $25.00 | 10/16/2010 10:52:48 AM |
| Finchy78 | $25.00 | $25.00 | 10/16/2010 3:26:08 PM |
| spiff666 | $25.00 | $25.00 | 10/17/2010 11:34:35 AM |
| thankful-nickel2 | $25.00 | $25.00 | 10/17/2010 2:00:36 PM |
| penny-plato | $25.00 | $25.00 | 10/17/2010 9:23:54 AM |
| Katherine12 | $50.00 | $50.00 | 10/17/2010 11:12:08 AM |
| dickiesweetboy | $100.00 | $100.00 | 10/17/2010 7:56:18 PM |
| the-stylish-euro | $25.00 | $25.00 | 10/18/2010 4:25:42 AM |
| HamIAm | $85.00 | $85.00 | 10/18/2010 3:24:44 AM |
| The_Birnetts | $100.00 | $100.00 | 10/18/2010 5:14:51 AM |
| credit-panda1 | $25.00 | $25.00 | 10/18/2010 6:33:09 AM |
| yield-quest | $134.00 | $134.00 | 10/18/2010 6:37:19 AM |
| MoneyTree79 | $44.90 | $44.90 | 10/18/2010 5:44:16 AM |
| triumph329 | $41.00 | $41.00 | 10/18/2010 6:30:27 AM |
| excellent-nickel | $50.00 | $50.00 | 10/18/2010 8:21:27 AM |
| wwwUniversal | $25.00 | $25.00 | 10/18/2010 6:37:47 AM |
| TakeCare | $50.00 | $50.00 | 10/18/2010 8:51:01 AM |
| penny-plato | $25.00 | $25.00 | 10/18/2010 8:51:17 AM |
| balance-force | $30.00 | $30.00 | 10/18/2010 9:14:10 AM |
| lostviajero | $25.00 | $25.00 | 10/18/2010 9:19:35 AM |
| triumphant-bonus | $50.00 | $50.00 | 10/18/2010 8:48:25 AM |
| corporatejim | $75.00 | $75.00 | 10/18/2010 9:55:29 AM |
| AuroraRobbin | $50.00 | $50.00 | 10/18/2010 10:24:45 AM |
| credit-guard5 | $25.00 | $25.00 | 10/18/2010 10:06:37 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/18/2010 10:43:31 AM |
| reBuild-America | $30.00 | $30.00 | 10/18/2010 11:12:52 AM |
| liberty-squirrel | $50.00 | $50.00 | 10/18/2010 2:07:52 PM |
| Simply2fly | $25.00 | $25.00 | 10/18/2010 2:22:35 PM |
| little_brother1 | $25.00 | $25.00 | 10/18/2010 3:03:50 PM |
| mafmafmaf | $35.00 | $35.00 | 10/18/2010 3:32:52 PM |
| dirkgently | $50.00 | $50.00 | 10/18/2010 3:53:48 PM |
| encouraging-cash4 | $25.00 | $25.00 | 10/18/2010 4:45:57 PM |
| berkeleylender | $25.00 | $25.00 | 10/18/2010 5:23:40 PM |
| mgking007 | $25.00 | $25.00 | 10/18/2010 5:26:35 PM |
| BipedalHominid | $30.00 | $30.00 | 10/18/2010 6:00:00 PM |
| hope-hickory | $25.00 | $25.00 | 10/18/2010 6:01:10 PM |
| Roundhouse | $50.00 | $50.00 | 10/18/2010 7:51:21 PM |
| AustinAmerica | $25.00 | $25.00 | 10/18/2010 10:08:20 PM |
| socal-lender | $25.00 | $25.00 | 10/18/2010 8:48:28 PM |
| maximillioncorp | $50.00 | $50.00 | 10/18/2010 10:19:50 PM |
| availableloan | $25.00 | $25.00 | 10/18/2010 10:25:22 PM |
| velocity-winner | $25.00 | $25.00 | 10/18/2010 11:02:12 PM |
| Charmart | $25.00 | $25.00 | 10/19/2010 3:24:09 AM |
| dsgfl1 | $100.00 | $100.00 | 10/19/2010 7:05:40 AM |
| dasbuntenheim | $35.56 | $35.56 | 10/19/2010 8:57:18 AM |
| rescue | $100.00 | $100.00 | 10/12/2010 9:44:49 AM |
| Gabriel02 | $25.00 | $25.00 | 10/12/2010 9:48:00 AM |
| natural-affluence4 | $25.00 | $25.00 | 10/12/2010 9:51:23 AM |
| lendingfrog | $50.00 | $50.00 | 10/12/2010 9:51:38 AM |
| authentic-liberty7 | $25.00 | $25.00 | 10/12/2010 9:50:27 AM |
| generous-deal6 | $50.00 | $50.00 | 10/12/2010 9:52:47 AM |
| studious-bonus7 | $100.00 | $100.00 | 10/12/2010 9:57:45 AM |
| jazzlender | $25.00 | $25.00 | 10/12/2010 9:58:20 AM |
| radforj22 | $25.00 | $25.00 | 10/12/2010 9:46:29 AM |
| Weaverville | $50.00 | $50.00 | 10/12/2010 9:47:18 AM |
| DRA-Properties | $25.00 | $25.00 | 10/12/2010 9:57:15 AM |
| meenan | $25.00 | $25.00 | 10/12/2010 9:51:16 AM |
| escharfer | $25.00 | $25.00 | 10/12/2010 10:02:58 AM |
| ichibon | $150.00 | $150.00 | 10/12/2010 10:03:37 AM |
| tntmojave | $25.00 | $25.00 | 10/12/2010 10:04:05 AM |
| objective-investor | $100.00 | $100.00 | 10/12/2010 10:01:36 AM |
| bowdish1 | $50.00 | $50.00 | 10/12/2010 10:02:11 AM |
| WSTRDG | $50.00 | $50.00 | 10/12/2010 10:10:27 AM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/12/2010 10:12:04 AM |
| alpinaut | $25.00 | $25.00 | 10/12/2010 10:12:30 AM |
| payout-achievement | $100.00 | $100.00 | 10/12/2010 10:19:11 AM |
| greenback-bull6 | $50.00 | $50.00 | 10/12/2010 10:19:52 AM |
| MoonMama | $25.00 | $25.00 | 10/12/2010 10:06:27 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/12/2010 10:18:06 AM |
| RandyL3 | $25.00 | $25.00 | 10/12/2010 10:28:53 AM |
| nunnie | $25.00 | $25.00 | 10/12/2010 10:18:37 AM |
| caring-hope2 | $50.00 | $50.00 | 10/12/2010 1:09:54 PM |
| MadHun | $75.00 | $75.00 | 10/12/2010 4:13:09 PM |
| PPLIN810 | $26.10 | $26.10 | 10/12/2010 4:23:56 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/12/2010 4:28:49 PM |
| shmb6508 | $25.00 | $25.00 | 10/12/2010 10:27:42 PM |
| JustMee | $25.00 | $25.00 | 10/12/2010 9:33:16 PM |
| bid-czar8 | $50.00 | $50.00 | 10/13/2010 2:57:50 AM |
| efficient-treasure0 | $25.00 | $25.00 | 10/12/2010 10:49:08 PM |
| Moneypenny6 | $25.00 | $25.00 | 10/13/2010 8:20:36 AM |
| retiresecure | $25.00 | $25.00 | 10/13/2010 6:47:07 AM |
| handshake5 | $100.00 | $54.83 | 10/13/2010 9:50:13 AM |
| careful-currency5 | $108.93 | $108.93 | 10/13/2010 8:09:10 AM |
| magnificent-income7 | $50.00 | $50.00 | 10/13/2010 9:02:48 AM |
| SOP_Bank | $25.00 | $25.00 | 10/13/2010 11:52:07 AM |
| selector568 | $400.00 | $400.00 | 10/13/2010 9:43:14 AM |
| a-finance-nirvana | $25.00 | $25.00 | 10/13/2010 9:44:00 AM |
| ethicalhumanist | $50.00 | $50.00 | 10/13/2010 2:53:54 PM |
| DDPrime | $100.00 | $100.00 | 10/13/2010 3:17:51 PM |
| GeorgiaGator | $50.00 | $50.00 | 10/13/2010 6:02:00 PM |
| Barky52 | $25.00 | $25.00 | 10/13/2010 6:01:12 PM |
| Tech-Entrepreneur | $25.00 | $25.00 | 10/13/2010 7:02:43 PM |
| relierma | $25.00 | $25.00 | 10/14/2010 12:25:46 PM |
| invest0808 | $50.00 | $50.00 | 10/15/2010 1:19:44 AM |
| octoberfresh | $25.00 | $25.00 | 10/15/2010 11:27:30 AM |
| tedi-tif | $75.00 | $75.00 | 10/15/2010 3:20:50 PM |
| TheTimeIsNow | $25.00 | $25.00 | 10/16/2010 4:58:05 AM |
| zippy-revenue8 | $25.00 | $25.00 | 10/16/2010 5:19:03 AM |
| SCD | $25.00 | $25.00 | 10/16/2010 6:44:00 AM |
| velocity-squadron | $37.06 | $37.06 | 10/17/2010 8:01:30 AM |
| EasternLender | $25.00 | $25.00 | 10/17/2010 2:46:36 PM |
| minista | $25.00 | $25.00 | 10/17/2010 8:05:07 AM |
| penny-finder | $30.00 | $30.00 | 10/17/2010 7:08:55 PM |
| Jassi | $25.00 | $25.00 | 10/17/2010 4:35:19 PM |
| preventivepestcontrol | $75.00 | $75.00 | 10/17/2010 7:53:21 PM |
| serene-capital | $30.00 | $30.00 | 10/18/2010 4:23:31 AM |
| southIT | $40.00 | $40.00 | 10/18/2010 7:27:39 AM |
| forthright-principal2 | $25.00 | $25.00 | 10/18/2010 6:33:57 AM |
| payment-halo | $25.00 | $25.00 | 10/18/2010 6:51:19 AM |
| trustworthy-finance6 | $150.00 | $150.00 | 10/18/2010 7:49:01 AM |
| honorable-yield | $25.00 | $25.00 | 10/18/2010 6:57:10 AM |
| exact-peso2 | $25.00 | $25.00 | 10/18/2010 9:10:59 AM |
| oldman68 | $25.00 | $25.00 | 10/18/2010 8:19:08 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/18/2010 8:37:54 AM |
| credit-coach118 | $35.00 | $35.00 | 10/18/2010 8:43:14 AM |
| diverse-transparency | $30.00 | $30.00 | 10/18/2010 9:34:08 AM |
| indomart | $25.00 | $25.00 | 10/18/2010 9:18:48 AM |
| mcs99 | $100.00 | $100.00 | 10/18/2010 11:54:50 AM |
| newest-sensible-hope | $50.00 | $50.00 | 10/18/2010 11:32:58 AM |
| ScottFinance | $25.00 | $25.00 | 10/18/2010 1:03:05 PM |
| penny-broker | $25.03 | $25.03 | 10/18/2010 11:34:11 AM |
| FundMaker | $25.00 | $25.00 | 10/18/2010 11:37:18 AM |
| lilgates26 | $26.00 | $26.00 | 10/18/2010 12:36:37 PM |
| economy-popcorn | $25.00 | $25.00 | 10/18/2010 2:22:12 PM |
| Interloper | $35.00 | $35.00 | 10/18/2010 2:37:52 PM |
| Mindful7 | $25.00 | $25.00 | 10/18/2010 2:40:48 PM |
| creative-generosity3 | $25.20 | $25.20 | 10/18/2010 1:29:12 PM |
| Astyanax | $75.00 | $75.00 | 10/18/2010 1:52:17 PM |
| Cherrypicker | $50.00 | $50.00 | 10/18/2010 4:14:38 PM |
| jescowa | $50.00 | $50.00 | 10/18/2010 3:43:58 PM |
| momentous-payment5 | $100.00 | $100.00 | 10/18/2010 4:19:30 PM |
| friendinmoney | $35.39 | $35.39 | 10/18/2010 4:45:03 PM |
| sensational-dollar | $25.00 | $25.00 | 10/18/2010 5:09:04 PM |
| reflective-rupee | $300.00 | $300.00 | 10/18/2010 5:12:43 PM |
| StrongMonty | $31.00 | $31.00 | 10/18/2010 6:04:05 PM |
| doc1 | $100.00 | $100.00 | 10/18/2010 6:23:06 PM |
| bill-booster5 | $25.00 | $25.00 | 10/18/2010 8:08:56 PM |
| MathProfessor | $25.00 | $25.00 | 10/18/2010 8:15:19 PM |
| _NaLNaBB | $500.00 | $500.00 | 10/18/2010 8:18:30 PM |
| rce1964 | $25.00 | $25.00 | 10/19/2010 2:52:05 AM |
| durability-gyration4 | $25.00 | $25.00 | 10/19/2010 5:16:16 AM |
| tomdooley12520 | $25.00 | $25.00 | 10/19/2010 5:24:55 AM |
| ray1051 | $25.00 | $25.00 | 10/19/2010 5:40:51 AM |
| McRowdy | $25.00 | $25.00 | 10/19/2010 9:16:58 AM |
| thebadpelican | $25.00 | $25.00 | 10/19/2010 9:25:35 AM |
| 177 bids
|
Borrower Payment Dependent Notes Series
479104
This series of Notes was issued and sold upon the funding of the borrower loan #44927, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-12-2010 |
| |
Auction end date:
| Oct-19-2010 |
|
|
Starting lender yield:
| 15.00% |
Starting borrower rate/APR:
| 16.00% / 18.18% |
Starting monthly payment:
| $105.47 |
|
Final lender yield:
| 12.00% |
Final borrower rate/APR:
| 13.00% / 15.14% |
Final monthly payment:
| $101.08 |
| |
|
Auction yield range:
| 5.71% - 15.00% |
Estimated loss impact:
| 6.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.85% | | |
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:
| Feb-1999 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 11y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,846 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Payout_Assured |
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
Card rate jumped, time to pay off
Purpose of loan:
This loan will be used to pay down my Citi card. The rate recently jumped up from 12.5% to 27% without ever making a?late payment. I need a better rate and a fixed paydown plan.
My financial situation:
I am a good candidate for this loan because I am also a?Prosper lender. I love what this marketplace can offer to both lenders and borrowers?and I'd like to pay other lenders instead of the card companies.
I'm looking for a better rate than my card is giving me now.?I?have never made a late payment - I'm not about to start now. I'm an excellent investment.
Due to youthful indescretions (aka, living on credit), I've built up debt, but I've always managed it. It's time for me to trade in my revolving debt for fixed rate loans and work toward a debt-free future.
Monthly net income: $ 3,000
Monthly expenses: $
??Housing: $ 1,100
??Insurance: $ 100
??Car expenses/gas: $?150
??Utilities: $ 160
??Phone, cable, internet: $ 130
??Food, entertainment: $?140
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 750
??Other expenses: $ 75 (bus fare), $25/month to invest in Prosper
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| exchange-dreams | $25.00 | $25.00 | 10/15/2010 7:20:48 PM |
| Nusk | $50.00 | $50.00 | 10/15/2010 11:22:57 PM |
| kind-value-pouch | $200.00 | $200.00 | 10/16/2010 4:39:06 AM |
| exchange-squirrel | $50.00 | $50.00 | 10/16/2010 10:20:09 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/16/2010 11:07:29 PM |
| SDD123 | $25.00 | $25.00 | 10/17/2010 6:16:58 AM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/17/2010 11:04:59 AM |
| TFAD72 | $25.00 | $25.00 | 10/17/2010 11:32:12 AM |
| RiskAdverse | $25.00 | $25.00 | 10/17/2010 3:42:18 PM |
| loanman2007 | $150.00 | $150.00 | 10/18/2010 5:10:53 AM |
| The_Birnetts | $100.00 | $100.00 | 10/18/2010 5:09:46 AM |
| jsnryn | $50.00 | $50.00 | 10/18/2010 6:09:21 AM |
| Hobie88 | $32.86 | $32.86 | 10/18/2010 8:16:34 AM |
| poetic-economy | $70.00 | $11.47 | 10/18/2010 9:36:46 AM |
| poster177 | $50.00 | $50.00 | 10/18/2010 11:10:47 AM |
| Whitewater_Loans | $50.00 | $50.00 | 10/18/2010 11:35:35 AM |
| Astyanax | $100.00 | $100.00 | 10/18/2010 2:12:03 PM |
| cheech29 | $46.45 | $46.45 | 10/18/2010 3:34:49 PM |
| BankofHoneybear | $50.00 | $50.00 | 10/18/2010 4:48:11 PM |
| hookUup | $100.00 | $100.00 | 10/18/2010 5:35:13 PM |
| bankofmay | $25.00 | $25.00 | 10/18/2010 7:34:57 PM |
| Roundhouse | $100.00 | $100.00 | 10/18/2010 7:48:31 PM |
| Renoan | $25.00 | $25.00 | 10/18/2010 11:58:20 PM |
| pja138 | $50.00 | $50.00 | 10/18/2010 9:43:59 PM |
| generous-deal6 | $50.00 | $50.00 | 10/19/2010 3:17:35 AM |
| Aegean | $25.00 | $25.00 | 10/19/2010 9:04:17 AM |
| investment-artist | $25.00 | $25.00 | 10/19/2010 7:45:55 AM |
| sfd | $50.00 | $50.00 | 10/19/2010 8:45:39 AM |
| Requiem | $25.00 | $25.00 | 10/19/2010 9:10:23 AM |
| FinanceEngine | $30.00 | $30.00 | 10/12/2010 11:45:31 AM |
| preventivepestcontrol | $50.00 | $50.00 | 10/12/2010 11:20:19 AM |
| DDPrime | $100.00 | $100.00 | 10/13/2010 3:17:58 PM |
| AK49-JW | $25.00 | $25.00 | 10/13/2010 8:42:22 PM |
| penny-plato | $25.00 | $25.00 | 10/14/2010 12:17:27 PM |
| thrilling-nickel5 | $26.00 | $26.00 | 10/15/2010 6:10:21 AM |
| seineil | $50.00 | $50.00 | 10/15/2010 3:53:10 AM |
| wlm3012 | $25.00 | $25.00 | 10/15/2010 9:21:35 AM |
| icon7 | $25.00 | $25.00 | 10/15/2010 5:29:33 PM |
| a2190b | $25.00 | $25.00 | 10/15/2010 6:29:56 PM |
| TheTimeIsNow | $25.00 | $25.00 | 10/16/2010 5:18:19 AM |
| Realty24 | $25.00 | $25.00 | 10/16/2010 9:44:03 AM |
| MattProsper | $45.00 | $45.00 | 10/16/2010 3:14:52 PM |
| JCM_MN | $43.00 | $43.00 | 10/18/2010 4:50:07 AM |
| klemer | $25.00 | $25.00 | 10/18/2010 5:58:17 AM |
| Land_on_your_feet | $50.00 | $50.00 | 10/18/2010 6:01:19 AM |
| TakeCare | $60.00 | $60.00 | 10/18/2010 8:32:26 AM |
| jtn4148 | $25.00 | $25.00 | 10/18/2010 8:50:13 AM |
| Money2Lend_U | $350.00 | $350.00 | 10/18/2010 8:32:43 AM |
| sflash | $25.00 | $25.00 | 10/18/2010 9:18:19 AM |
| corporatejim | $75.00 | $75.00 | 10/18/2010 9:56:43 AM |
| Mindful7 | $25.00 | $25.00 | 10/18/2010 10:22:21 AM |
| greenback-companion8 | $25.00 | $25.00 | 10/18/2010 5:29:22 PM |
| serene-capital | $25.00 | $25.00 | 10/18/2010 11:07:42 PM |
| TechieLender | $50.00 | $50.00 | 10/19/2010 5:03:48 AM |
| Leopoldine | $25.22 | $25.22 | 10/19/2010 8:03:57 AM |
| mpatrick | $25.00 | $25.00 | 10/19/2010 8:44:13 AM |
| ILOCOS-SOUTH-CAPITAL-INVESTMENTS | $50.00 | $50.00 | 10/19/2010 9:07:53 AM |
| patriot897 | $30.00 | $30.00 | 10/19/2010 9:12:19 AM |
| triumphant-bonus | $25.00 | $25.00 | 10/19/2010 9:27:20 AM |
| scientists | $25.00 | $25.00 | 10/19/2010 9:35:09 AM |
| 60 bids
|
Borrower Payment Dependent Notes Series
479300
This series of Notes was issued and sold upon the funding of the borrower loan #44939, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-12-2010 |
| |
Auction end date:
| Oct-16-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $173.69 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $173.69 |
| |
|
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:
| Jan-1999 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
15 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,603 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| adventure978 |
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
Pay Off Credit Cards
Purpose of loan:
Pay off my remaining credit card debt.
My financial situation:
Since my first line of credit was opened in 01/1999, I have never been delinquent on any account ever.? In addition I work for government agency funded by the Federal government so I have employment stability.
I also work part-time and bring home about $500 a month from the part-time work.
Monthly net income: $
3083 (take home) +$500 from part-time job.
Monthly expenses: $
??Housing: $
1200
??Insurance: $
0 (no car, only renters which has already been paid)
??Car expenses: $
0 (no car)
??Utilities: $
60
??Phone, cable, internet: $150
??Food, entertainment: $ 300
??Clothing, household expenses $
100
??Credit cards and other loans: $ 500
??Other expenses: $
0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radforj22 | $25.00 | $25.00 | 10/12/2010 9:46:36 AM |
| Gabriel02 | $25.00 | $25.00 | 10/12/2010 9:48:08 AM |
| generous-deal6 | $50.00 | $50.00 | 10/12/2010 9:52:54 AM |
| bountiful-durability | $100.00 | $100.00 | 10/12/2010 9:57:02 AM |
| DRA-Properties | $25.00 | $25.00 | 10/12/2010 9:57:19 AM |
| studious-bonus7 | $100.00 | $100.00 | 10/12/2010 9:57:51 AM |
| kmr2 | $200.00 | $200.00 | 10/12/2010 10:00:55 AM |
| jazzlender | $25.00 | $25.00 | 10/12/2010 9:58:27 AM |
| objective-investor | $100.00 | $100.00 | 10/12/2010 10:01:41 AM |
| mike_banker | $50.00 | $50.00 | 10/12/2010 9:59:37 AM |
| sweet-social2 | $33.00 | $33.00 | 10/12/2010 9:52:24 AM |
| bowdish1 | $50.00 | $50.00 | 10/12/2010 10:02:16 AM |
| tntmojave | $25.00 | $25.00 | 10/12/2010 10:04:10 AM |
| JohnGalt79 | $100.00 | $100.00 | 10/12/2010 10:01:55 AM |
| escharfer | $25.00 | $25.00 | 10/12/2010 10:03:02 AM |
| simplelender80 | $250.00 | $250.00 | 10/12/2010 9:57:21 AM |
| tranquil-return4 | $25.00 | $25.00 | 10/12/2010 10:13:44 AM |
| income-fortress | $25.00 | $25.00 | 10/12/2010 10:14:00 AM |
| greentomato | $25.00 | $25.00 | 10/12/2010 10:04:35 AM |
| cybernosha | $25.00 | $25.00 | 10/12/2010 10:05:51 AM |
| tsg2007 | $25.00 | $25.00 | 10/12/2010 10:16:39 AM |
| greenback-bull6 | $50.00 | $50.00 | 10/12/2010 10:19:58 AM |
| jigsaw | $100.00 | $100.00 | 10/12/2010 10:26:18 AM |
| delicious-social132 | $50.00 | $50.00 | 10/12/2010 10:08:42 AM |
| mizon291 | $50.00 | $50.00 | 10/12/2010 11:08:15 AM |
| shamil45 | $25.00 | $25.00 | 10/12/2010 10:25:53 AM |
| NorthernFunds | $50.00 | $50.00 | 10/12/2010 12:34:38 PM |
| jeg3k | $50.00 | $50.00 | 10/12/2010 10:28:27 AM |
| lending_well | $25.00 | $25.00 | 10/12/2010 1:13:51 PM |
| jeb_31 | $50.00 | $50.00 | 10/12/2010 10:41:45 AM |
| bessmatt | $25.00 | $25.00 | 10/12/2010 10:57:39 AM |
| Asynch | $25.00 | $25.00 | 10/12/2010 12:52:41 PM |
| SOP_Bank | $25.00 | $25.00 | 10/12/2010 1:04:05 PM |
| h_corey | $25.00 | $25.00 | 10/12/2010 1:13:41 PM |
| platinum-hunter7 | $100.00 | $100.00 | 10/12/2010 1:30:39 PM |
| asset-professor | $41.09 | $41.09 | 10/12/2010 1:14:01 PM |
| penny-plato | $25.00 | $25.00 | 10/12/2010 3:44:00 PM |
| ONECENTATATIME | $30.00 | $30.00 | 10/12/2010 5:20:43 PM |
| JustMee | $25.00 | $25.00 | 10/12/2010 9:25:14 PM |
| lendstats_com | $200.00 | $200.00 | 10/13/2010 7:28:16 AM |
| loyalist1 | $100.00 | $100.00 | 10/13/2010 9:03:13 AM |
| newton77 | $25.00 | $25.00 | 10/13/2010 10:02:58 AM |
| VAGweilo | $50.00 | $50.00 | 10/13/2010 10:13:45 AM |
| roux | $25.00 | $25.00 | 10/14/2010 6:27:40 AM |
| rustylix | $35.00 | $35.00 | 10/14/2010 10:47:29 AM |
| hidavehi | $77.00 | $77.00 | 10/14/2010 8:53:42 PM |
| serene-capital | $25.00 | $25.00 | 10/15/2010 11:04:06 AM |
| forthright-principal2 | $25.00 | $25.00 | 10/15/2010 11:08:03 AM |
| d_grbg | $25.00 | $25.00 | 10/15/2010 11:10:07 AM |
| AK49-JW | $29.44 | $29.44 | 10/15/2010 10:33:35 PM |
| kind-value-pouch | $200.00 | $200.00 | 10/16/2010 4:49:19 AM |
| rescue | $100.00 | $100.00 | 10/12/2010 9:44:55 AM |
| SharkAttack | $31.92 | $31.92 | 10/12/2010 9:45:13 AM |
| selector568 | $400.00 | $400.00 | 10/12/2010 9:45:32 AM |
| ethicalhumanist | $50.00 | $50.00 | 10/12/2010 9:51:47 AM |
| Weaverville | $50.00 | $50.00 | 10/12/2010 9:47:27 AM |
| authentic-liberty7 | $25.00 | $25.00 | 10/12/2010 9:50:34 AM |
| papaloha | $25.00 | $25.00 | 10/12/2010 9:51:50 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/12/2010 10:03:22 AM |
| RandyL3 | $25.00 | $25.00 | 10/12/2010 10:06:40 AM |
| bambampk | $25.00 | $25.00 | 10/12/2010 10:07:03 AM |
| jdwillcox | $50.00 | $50.00 | 10/12/2010 9:59:58 AM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/12/2010 10:12:49 AM |
| nunnie | $25.00 | $25.00 | 10/12/2010 10:11:27 AM |
| ichibon | $150.00 | $150.00 | 10/12/2010 10:03:42 AM |
| payout-achievement | $100.00 | $100.00 | 10/12/2010 10:19:18 AM |
| CAGE-Investments | $25.00 | $25.00 | 10/12/2010 10:06:16 AM |
| cablenews | $25.56 | $25.56 | 10/12/2010 10:16:53 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/12/2010 10:18:11 AM |
| BrLender | $25.00 | $25.00 | 10/12/2010 10:29:28 AM |
| fairness-kayak | $25.00 | $25.00 | 10/12/2010 10:13:20 AM |
| mla | $25.00 | $25.00 | 10/12/2010 10:15:51 AM |
| Interstate_Rate | $25.00 | $25.00 | 10/12/2010 10:39:58 AM |
| alpinaut | $25.00 | $25.00 | 10/12/2010 10:16:13 AM |
| E_G | $50.00 | $50.00 | 10/12/2010 11:42:42 AM |
| Beeeej | $25.00 | $25.00 | 10/12/2010 10:27:05 AM |
| worth-arch | $25.00 | $25.00 | 10/12/2010 11:42:45 AM |
| george_kaplan | $50.00 | $50.00 | 10/12/2010 12:34:57 PM |
| crenen139 | $25.00 | $25.00 | 10/12/2010 10:31:27 AM |
| Gibbyland | $50.00 | $50.00 | 10/12/2010 12:48:22 PM |
| runner262 | $25.00 | $25.00 | 10/12/2010 1:02:54 PM |
| reflective-rupee | $25.00 | $25.00 | 10/12/2010 2:10:31 PM |
| mtquan | $25.00 | $25.00 | 10/12/2010 12:36:16 PM |
| DasCoon | $50.00 | $45.99 | 10/12/2010 2:37:47 PM |
| Artist_Blue | $25.00 | $25.00 | 10/12/2010 12:37:44 PM |
| nycfinance | $25.00 | $25.00 | 10/12/2010 12:48:12 PM |
| gopbernie | $25.00 | $25.00 | 10/12/2010 12:48:17 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/12/2010 4:20:32 PM |
| ChiSoxFan23 | $25.00 | $25.00 | 10/12/2010 6:34:33 PM |
| credit-panda1 | $25.00 | $25.00 | 10/12/2010 4:24:10 PM |
| colospgs | $25.00 | $25.00 | 10/13/2010 1:16:59 AM |
| dynrep | $25.00 | $25.00 | 10/13/2010 9:29:33 AM |
| nolahelper | $25.00 | $25.00 | 10/13/2010 11:26:02 AM |
| beachfunder | $25.00 | $25.00 | 10/14/2010 5:32:25 PM |
| satisfying-durability | $25.00 | $25.00 | 10/15/2010 1:58:17 AM |
| thrilling-nickel5 | $26.00 | $26.00 | 10/15/2010 6:12:08 AM |
| kander80 | $25.00 | $25.00 | 10/15/2010 3:48:25 PM |
| icon7 | $50.00 | $50.00 | 10/15/2010 5:30:32 PM |
| credit-guard5 | $25.00 | $25.00 | 10/15/2010 7:26:52 PM |
| spiff666 | $25.00 | $25.00 | 10/15/2010 7:35:06 PM |
| 100 bids
|
Borrower Payment Dependent Notes Series
479406
This series of Notes was issued and sold upon the funding of the borrower loan #44930, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Oct-13-2010 |
| |
Auction end date:
| Oct-19-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $339.27 |
| |
|
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-1993 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 18y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,005 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| duty-renewal |
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
Paying off credit cards due to PCS
Purpose of loan:
This loan will be used to? pay off credit cards with high interest in order to better afford the living expenses of two house holds.? Currently, we own a home in Ohio which we have been able to sell and pay rent in Virginia.? This situation resulted from a military move.
My financial situation:
I am a good candidate for this loan because?I pay all of?bills on time in addition, I have a stable income.?
Monthly net income: $ 6415.00
Monthly expenses: $
??Housing: $ 2314 (rent and mortgage combined)
??Insurance: $ 89
??Car expenses: $ 300
??Utilities: $ 300
??Phone, cable, internet: $ 155
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $?
??Other expenses: $ 650
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| investinFla | $33.33 | $33.33 | 10/14/2010 7:47:13 PM |
| zone6 | $100.00 | $100.00 | 10/15/2010 4:30:56 AM |
| TakeCare | $42.15 | $42.15 | 10/15/2010 5:52:58 AM |
| jerrymaguire | $25.00 | $25.00 | 10/17/2010 5:06:05 AM |
| Military-2-Military | $100.00 | $71.75 | 10/17/2010 2:51:13 PM |
| Kash2010lu | $75.00 | $75.00 | 10/18/2010 3:58:21 PM |
| productive-ore | $100.00 | $100.00 | 10/18/2010 4:29:24 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/18/2010 5:29:07 PM |
| AlexTrep | $50.00 | $50.00 | 10/18/2010 6:08:09 PM |
| Kash2010lu | $25.00 | $25.00 | 10/18/2010 6:42:45 PM |
| zone6 | $603.47 | $603.47 | 10/18/2010 8:56:01 PM |
| MilitaryLending | $25.00 | $25.00 | 10/14/2010 11:32:45 PM |
| Military-2-Military | $1,000.00 | $1,000.00 | 10/18/2010 3:34:16 PM |
| Military-2-Military | $1,000.00 | $1,000.00 | 10/18/2010 3:33:39 PM |
| well-rounded-dinero | $200.00 | $200.00 | 10/18/2010 5:26:04 PM |
| well-rounded-dinero | $200.00 | $200.00 | 10/18/2010 5:26:30 PM |
| balance-river | $25.00 | $25.00 | 10/18/2010 6:38:18 PM |
| MilitaryLoans | $3,899.30 | $3,899.30 | 10/18/2010 6:04:57 PM |
| 18 bids
|
Borrower Payment Dependent Notes Series
479476
This series of Notes was issued and sold upon the funding of the borrower loan #44955, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.70% |
Auction start date:
| Oct-13-2010 |
| |
Auction end date:
| Oct-18-2010 |
|
|
Starting lender yield:
| 22.65% |
Starting borrower rate/APR:
| 23.65% / 27.12% |
Starting monthly payment:
| $195.25 |
|
Final lender yield:
| 22.65% |
Final borrower rate/APR:
| 23.65% / 27.12% |
Final monthly payment:
| $195.25 |
| |
|
Auction yield range:
| 7.71% - 22.65% |
Estimated loss impact:
| 9.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jan-1977 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 780-799 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,517 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| progressive-dough5 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debts and auto repair
Purpose of loan:
This loan will be used to pay unanticipated medical expenses, debt consolidation and auto repairs.??
My financial situation:
I am a good candidate for this loan because other than one month in 2007, I have always paid my bills on time.? I am a responsible person and take pride in maintaining my credit rating and commitments.? The unanticipated expenses were unfortunate, but this loan?will allow me to pay the expenses off, this loan and rebuild my?saving and emergency funds.??I have worked full time as a safety and health professional since I graduated from college in 2001??
Monthly net income: $4250
Monthly expenses: $?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radforj22 | $25.00 | $25.00 | 10/13/2010 2:44:11 PM |
| alaco | $25.00 | $25.00 | 10/13/2010 2:44:57 PM |
| selector568 | $100.00 | $100.00 | 10/13/2010 2:41:34 PM |
| bountiful-durability | $100.00 | $100.00 | 10/13/2010 2:50:56 PM |
| objective-investor | $100.00 | $100.00 | 10/13/2010 2:52:29 PM |
| jazzlender | $25.00 | $25.00 | 10/13/2010 2:51:22 PM |
| rescue | $50.00 | $50.00 | 10/13/2010 2:42:00 PM |
| top-courteous-peso | $50.00 | $50.00 | 10/13/2010 2:43:49 PM |
| alpinaut | $25.00 | $25.00 | 10/13/2010 2:47:55 PM |
| platytanz | $50.00 | $50.00 | 10/13/2010 2:48:21 PM |
| lendstats_com | $25.00 | $25.00 | 10/13/2010 2:50:18 PM |
| mike_banker | $50.00 | $50.00 | 10/13/2010 2:51:34 PM |
| jdwillcox | $50.00 | $50.00 | 10/13/2010 2:51:52 PM |
| bowdish1 | $50.00 | $50.00 | 10/13/2010 2:52:55 PM |
| tntmojave | $25.00 | $25.00 | 10/13/2010 2:53:24 PM |
| payout-achievement | $100.00 | $100.00 | 10/13/2010 2:54:44 PM |
| jigsaw | $100.00 | $22.24 | 10/13/2010 2:54:50 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/13/2010 5:37:05 PM |
| tjone69 | $25.00 | $25.00 | 10/13/2010 3:15:19 PM |
| DasMula | $25.00 | $25.00 | 10/13/2010 11:02:36 PM |
| auction-seeker | $25.00 | $25.00 | 10/14/2010 5:20:18 PM |
| liberty-thinker | $25.00 | $25.00 | 10/14/2010 5:05:52 PM |
| jacobro | $65.00 | $65.00 | 10/15/2010 8:41:45 AM |
| felicity-festival | $25.00 | $25.00 | 10/15/2010 10:46:29 AM |
| EngineersAlliance | $100.00 | $100.00 | 10/15/2010 3:14:41 PM |
| reflective-rupee | $100.00 | $100.00 | 10/15/2010 3:41:18 PM |
| icon7 | $25.00 | $25.00 | 10/15/2010 5:36:14 PM |
| CSinvestments | $25.00 | $25.00 | 10/15/2010 5:41:41 PM |
| bosloan26 | $45.00 | $45.00 | 10/15/2010 3:58:38 PM |
| gold-channel2 | $122.48 | $122.48 | 10/16/2010 7:14:02 AM |
| aztocas | $25.00 | $25.00 | 10/16/2010 8:00:39 AM |
| schmegs | $25.00 | $25.00 | 10/16/2010 7:14:04 AM |
| Byrd24 | $100.00 | $100.00 | 10/16/2010 7:40:33 AM |
| inforapenny | $50.00 | $50.00 | 10/16/2010 8:08:25 PM |
| Thylow | $25.00 | $25.00 | 10/16/2010 8:21:06 PM |
| BGILlender | $25.00 | $25.00 | 10/16/2010 8:18:58 PM |
| dloan | $25.00 | $25.00 | 10/16/2010 8:19:54 PM |
| Land_on_your_feet | $75.00 | $75.00 | 10/18/2010 5:57:42 AM |
| SolarMoonshine | $25.00 | $25.00 | 10/18/2010 5:30:36 AM |
| payment-halo | $25.00 | $25.00 | 10/18/2010 6:08:34 AM |
| AlexTrep | $50.00 | $50.00 | 10/18/2010 8:05:21 AM |
| micsupra | $38.76 | $38.76 | 10/18/2010 9:59:43 AM |
| credit-guard5 | $25.00 | $25.00 | 10/18/2010 10:25:36 AM |
| thrifty-capital | $25.00 | $25.00 | 10/18/2010 1:15:17 PM |
| greenback-companion8 | $25.00 | $25.00 | 10/18/2010 5:09:49 PM |
| Weaverville | $50.00 | $50.00 | 10/13/2010 2:44:25 PM |
| agiovasil | $25.00 | $25.00 | 10/13/2010 2:44:33 PM |
| Gabriel02 | $25.00 | $25.00 | 10/13/2010 2:44:41 PM |
| tnjohnso | $25.00 | $25.00 | 10/13/2010 2:44:45 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/13/2010 2:52:39 PM |
| authentic-liberty7 | $25.00 | $25.00 | 10/13/2010 2:50:15 PM |
| nunnie | $25.00 | $25.00 | 10/13/2010 2:54:21 PM |
| papaloha | $25.00 | $25.00 | 10/13/2010 2:50:31 PM |
| income-fortress | $25.00 | $25.00 | 10/13/2010 2:54:34 PM |
| DRA-Properties | $25.00 | $25.00 | 10/13/2010 2:51:05 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/13/2010 2:51:14 PM |
| reflective-rupee | $100.00 | $100.00 | 10/13/2010 2:55:40 PM |
| kmr2 | $200.00 | $200.00 | 10/13/2010 2:52:15 PM |
| ichibon | $150.00 | $150.00 | 10/13/2010 2:53:14 PM |
| cybernosha | $25.00 | $25.00 | 10/13/2010 2:53:39 PM |
| lendingfrog | $25.00 | $25.00 | 10/13/2010 2:44:43 PM |
| 350DGRZ | $25.00 | $25.00 | 10/13/2010 3:03:38 PM |
| Premierelender | $25.00 | $25.00 | 10/13/2010 2:48:02 PM |
| bambampk | $25.00 | $25.00 | 10/13/2010 2:53:51 PM |
| ksubd | $50.00 | $50.00 | 10/13/2010 3:18:03 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/14/2010 11:31:17 AM |
| integrity-enrichment2 | $35.45 | $35.45 | 10/14/2010 2:29:44 PM |
| heatherwood | $50.00 | $50.00 | 10/14/2010 2:42:55 PM |
| hookUup | $50.00 | $50.00 | 10/14/2010 4:53:53 PM |
| SFBank | $300.00 | $300.00 | 10/14/2010 7:08:10 PM |
| Cromag | $25.00 | $25.00 | 10/15/2010 7:17:11 AM |
| wwwUniversal | $25.00 | $25.00 | 10/15/2010 9:11:06 AM |
| seadrg | $25.00 | $25.00 | 10/15/2010 8:53:02 AM |
| SSammy | $100.00 | $100.00 | 10/15/2010 9:10:24 AM |
| payout-network1 | $25.00 | $25.00 | 10/15/2010 10:46:16 AM |
| cashhelp | $25.00 | $25.00 | 10/15/2010 11:21:03 AM |
| nimble-revenue | $50.00 | $50.00 | 10/15/2010 3:00:27 PM |
| scoobiedoo | $25.00 | $25.00 | 10/15/2010 2:19:32 PM |
| benevolent-capital1 | $50.00 | $50.00 | 10/15/2010 7:33:33 PM |
| CK1 | $25.00 | $25.00 | 10/16/2010 1:54:32 AM |
| LibbyZ | $45.00 | $45.00 | 10/16/2010 7:03:45 AM |
| Jester8967 | $50.00 | $50.00 | 10/17/2010 6:53:14 AM |
| CymruAmByth | $25.00 | $25.00 | 10/16/2010 8:08:27 PM |
| USD4you | $105.19 | $105.19 | 10/17/2010 6:30:45 AM |
| AK49-JW | $25.00 | $25.00 | 10/16/2010 11:14:02 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/17/2010 1:48:38 PM |
| GeorgiaGator | $30.00 | $30.00 | 10/17/2010 11:55:39 AM |
| Byrd24 | $100.00 | $100.00 | 10/17/2010 6:45:55 PM |
| Hazlenut | $25.00 | $25.00 | 10/18/2010 5:17:42 AM |
| justice-magnate | $50.00 | $50.00 | 10/18/2010 8:19:47 AM |
| patriot384 | $240.00 | $240.00 | 10/18/2010 7:43:50 AM |
| shrewd-income | $100.00 | $100.00 | 10/18/2010 8:43:12 AM |
| TakeCare | $50.00 | $50.00 | 10/18/2010 8:42:30 AM |
| corporatejim | $75.88 | $75.88 | 10/18/2010 9:59:07 AM |
| FoosMaster | $25.00 | $25.00 | 10/18/2010 2:26:30 PM |
| hope-hickory | $25.00 | $25.00 | 10/18/2010 6:08:25 PM |
| 96 bids
|
Borrower Payment Dependent Notes Series
479498
This series of Notes was issued and sold upon the funding of the borrower loan #44932, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% |
Auction start date:
| Oct-14-2010 |
| |
Auction end date:
| Oct-21-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 31.75% |
Starting monthly payment:
| $40.16 |
|
Final lender yield:
| 15.00% |
Final borrower rate/APR:
| 16.00% / 21.65% |
Final monthly payment:
| $35.16 |
| |
|
Auction yield range:
| 10.71% - 24.75% |
Estimated loss impact:
| 10.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Student - College S... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,871 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| washougal |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jun-2008)
|
|
Principal balance:
| $419.95 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
finish nursing school
Purpose of loan: Senior Nursing student at University of Portland only two more semesters then done with my BSN, it has been a financial struggle being full time student and working, would like a small cushion in case something unseen goes wrong, again, life throws curve balls and you deal with them as they are pitched.
This loan will be used to?Just to have in savings for surprises
My financial situation: Tight, rough being a full time student at 60 years old.
I am a good candidate for this loan because?Have job offer at Providence when school is completed, pay and benefits are excellent.
Monthly net income: $ 1800.
Monthly expenses: $ 1400.
??Housing: $600.
??Insurance: $38.00
??Car expenses: $ Paid
??Utilities: $55.
??Phone, cable, internet: $100.
??Food, entertainment: $ 250.
??Clothing, household expenses $25.00
??Credit cards and other loans: $300.
??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:
With such a high interest rate why would you put this money away for savings? - 4Horseman
A:
Last semester I had to put two of my old dogs down and a cat, in the past I just work extra shifts, these last semesters are intense and I no longer have that option, school comes first, $1K is a great cushion at this point in time and my focus is just school. I live on ten ac. have a bunch of old rescue dogs, an old car that should give me another year, but things happen and you have to roll with the punches. I will be a lender once out of school so I plan to pass it forward soon. Debbie
(Oct-21-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| scarlet-velvet | $25.00 | $25.00 | 10/15/2010 1:01:54 AM |
| grammaspurse | $25.00 | $25.00 | 10/14/2010 11:40:46 PM |
| invest-in-ed | $100.00 | $100.00 | 10/15/2010 5:31:32 AM |
| investment-artist | $25.00 | $25.00 | 10/18/2010 10:46:42 AM |
| wlm3012 | $25.00 | $25.00 | 10/18/2010 11:31:37 AM |
| FinanceEngine | $30.00 | $30.00 | 10/20/2010 10:19:37 AM |
| grampy48 | $25.00 | $25.00 | 10/21/2010 12:54:34 PM |
| thisbucksforu | $25.00 | $25.00 | 10/21/2010 1:31:06 PM |
| HammerSmith | $25.00 | $25.00 | 10/21/2010 1:55:36 PM |
| enthusiastic-balance5 | $200.00 | $98.80 | 10/18/2010 6:14:32 AM |
| appcoder | $29.00 | $29.00 | 10/18/2010 7:08:40 AM |
| Leshan | $50.00 | $50.00 | 10/21/2010 7:10:22 AM |
| Chesterite | $75.00 | $75.00 | 10/21/2010 9:45:33 AM |
| enthralling-investment | $100.00 | $100.00 | 10/21/2010 11:24:20 AM |
| amlu1988 | $25.00 | $25.00 | 10/21/2010 11:38:24 AM |
| thankful-nickel2 | $25.00 | $25.00 | 10/21/2010 12:13:20 PM |
| honey-money | $30.00 | $30.00 | 10/21/2010 12:41:43 PM |
| slwholesales | $41.20 | $41.20 | 10/21/2010 12:51:43 PM |
| doopers | $25.00 | $25.00 | 10/21/2010 1:27:41 PM |
| McDeeter | $25.00 | $25.00 | 10/21/2010 1:26:01 PM |
| just-trade0 | $36.00 | $36.00 | 10/21/2010 1:59:17 PM |
| invest-in-ed | $80.00 | $80.00 | 10/21/2010 2:07:01 PM |
| Engineer44 | $30.00 | $30.00 | 10/21/2010 2:07:05 PM |
| kinetic-social | $25.00 | $25.00 | 10/21/2010 2:06:46 PM |
| 24 bids
|
Borrower Payment Dependent Notes Series
479522
This series of Notes was issued and sold upon the funding of the borrower loan #44952, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,750.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-13-2010 |
| |
Auction end date:
| Oct-20-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $338.70 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $338.70 |
| |
|
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:
| Mar-1999 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 6y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,287 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cj3197 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff last credit card!!!
Purpose of loan:
This loan will be used to pay off my last revolving credit line. I have been working hard for a long time now and I am finally almost there!!! My goal is to have no more revolving credit debt and want to be completely liquid for all my expenses.
My financial situation:
I am a good candidate for this loan because I am in a great financial position and am very motivated to eliminate all of my revolving debt and live a ?spend what you already have? type of life. I make a very good salary and have a very secure job within the union brotherhood. I have excellent credit history with on time payments, good income to debt ratio, and don?t really use any credit cards anymore. I am going for this loan to expedite the process of having absolutely no more revolving debt.
Monthly NET income: $ 3800.00
Monthly expenses: $
??Housing: $ 325 (half the rent)
??Insurance: $ PIF (but 936 a year so would be 78 a month)
??Car expenses: $ 551.41 (done in?April)
??Utilities: $ 100 a month for half the gas and electric.
??Phone, cable, internet: $ 100 for my portion of internet, TV, and cell phone.
??Food, entertainment: $ 400 includes groceries and dining out for the month.
??Clothing, household expenses $ 50 - I am not a big shopper.
??Credit cards and other loans: $ 325 (175 of which I pay for that last revolving credit line that will be eliminated and 147 for another?installment loan)
??Other expenses: $ 40 for gym, 10 for Netflix, 80 a month for gas, and 10 for web hosting.
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:
If your yearly income is atleast $75,000-$99,000, why is your monthly net income $3800? Your tax bracket should not be too high.
Thanks - velocity-onator
A:
I don't know - Here is how my check breaks down from a 40 hour week. 1455.26 is total gross pay. Less 96.94 for 401k, 19.56 union dues, 3.07 supp insurance for self and child, 272.41 FED Tax, 21.11 FED MED, 90.25 FED OASDI, 74.41 MA Tax. Total net pay = 877.51. I took that and multiplied it by 4 to come to about 3510 and added 300 in for the smallest possible bonus possible to come out with about 3800 in monthly NET revenue. Bonuses range from 300 to 1200 a month and I used lowest in my quote.
(Oct-14-2010)
Q:
What's the interest rate on your card? Thanks. - tuxedo76
A:
18 percent so according to my last statement, I pay 200 even though the min is 174 and 153.78 went to interest. So as you can see I knock barely anything off the principle. The greatest thing about this loan for me is that all revolving debt will be eliminated and even if I only make the minimum Prosper monthly payment - I am done in three years and I don't put myself in the hole. This loan payment at 313 is only 113 more than what I pay now.
(Oct-15-2010)
Q:
If your credit card is 18% why are you taking a prosper loan out at 17.32%? - fund-fox4
A:
I feel like I kind of answered this in the question. I wrote: "18 percent so according to my last statement, I pay 200 even though the min is 174 and 153.78 went to interest. So as you can see I knock barely anything off the principle. The greatest thing about this loan for me is that all revolving debt will be eliminated and even if I only make the minimum Prosper monthly payment - I am done in three years." Basically, I get no where with this card.
(Oct-19-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rescue | $50.00 | $50.00 | 10/13/2010 2:41:59 PM |
| papaloha | $25.00 | $25.00 | 10/13/2010 2:50:29 PM |
| mike_banker | $50.00 | $50.00 | 10/13/2010 2:51:35 PM |
| platinum-hunter7 | $25.00 | $25.00 | 10/13/2010 2:48:06 PM |
| bambampk | $25.00 | $25.00 | 10/13/2010 2:53:54 PM |
| delicious-social132 | $50.00 | $50.00 | 10/13/2010 2:54:12 PM |
| bountiful-durability | $100.00 | $100.00 | 10/13/2010 2:50:57 PM |
| jeg3k | $50.00 | $50.00 | 10/13/2010 2:55:03 PM |
| jdwillcox | $50.00 | $50.00 | 10/13/2010 2:51:54 PM |
| objective-investor | $100.00 | $100.00 | 10/13/2010 2:52:30 PM |
| bowdish1 | $50.00 | $50.00 | 10/13/2010 2:52:57 PM |
| ichibon | $150.00 | $150.00 | 10/13/2010 2:53:15 PM |
| jigsaw | $100.00 | $100.00 | 10/13/2010 2:54:50 PM |
| Gabriel02 | $25.00 | $25.00 | 10/13/2010 2:44:41 PM |
| kmr2 | $200.00 | $200.00 | 10/13/2010 2:52:16 PM |
| TakeCare | $80.00 | $80.00 | 10/13/2010 3:06:09 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/13/2010 5:26:15 PM |
| simplelender80 | $250.00 | $250.00 | 10/13/2010 3:00:13 PM |
| bid-czar8 | $50.00 | $50.00 | 10/13/2010 3:02:05 PM |
| fairness-kayak | $25.00 | $25.00 | 10/13/2010 3:04:13 PM |
| Interstate_Rate | $75.97 | $75.97 | 10/13/2010 11:25:40 PM |
| JustMee | $25.00 | $25.00 | 10/13/2010 6:15:16 PM |
| MadHun | $100.00 | $100.00 | 10/14/2010 9:02:50 AM |
| coin-investor | $25.00 | $25.00 | 10/14/2010 9:42:51 AM |
| larrybird | $150.00 | $150.00 | 10/14/2010 1:23:04 PM |
| maldok1 | $25.00 | $25.00 | 10/14/2010 1:12:57 PM |
| escharfer | $25.00 | $25.00 | 10/14/2010 3:09:13 PM |
| ray1051 | $25.00 | $25.00 | 10/15/2010 6:31:04 AM |
| Cromag | $25.00 | $25.00 | 10/15/2010 7:18:57 AM |
| tuxedo76 | $25.00 | $25.00 | 10/15/2010 3:22:27 PM |
| graceful-investment | $100.00 | $100.00 | 10/15/2010 4:17:59 PM |
| the-upbeat-p2p | $25.00 | $25.00 | 10/15/2010 4:00:12 PM |
| AK49-JW | $25.00 | $25.00 | 10/16/2010 11:15:32 PM |
| Bcs-cnc | $25.00 | $25.00 | 10/18/2010 6:57:27 AM |
| VAGweilo | $50.00 | $50.00 | 10/18/2010 12:47:48 PM |
| FinDoc | $25.00 | $25.00 | 10/18/2010 12:39:30 PM |
| economy-popcorn | $25.00 | $25.00 | 10/18/2010 2:45:06 PM |
| flexible-return297 | $75.00 | $75.00 | 10/18/2010 6:19:35 PM |
| FundMaker | $25.00 | $25.00 | 10/18/2010 6:51:24 PM |
| credit-observatory | $25.00 | $25.00 | 10/18/2010 8:35:06 PM |
| TakeCare | $40.00 | $40.00 | 10/18/2010 8:19:41 PM |
| oldman68 | $25.00 | $25.00 | 10/19/2010 8:11:04 AM |
| Mindful7 | $25.00 | $25.00 | 10/19/2010 10:23:42 AM |
| n2fitns | $50.00 | $50.00 | 10/19/2010 10:35:20 AM |
| szetheli | $158.00 | $158.00 | 10/19/2010 11:06:43 AM |
| helpingyou1 | $26.40 | $26.40 | 10/19/2010 11:26:35 AM |
| circustab | $50.00 | $50.00 | 10/19/2010 12:07:47 PM |
| wkeboarder21 | $50.00 | $50.00 | 10/19/2010 12:21:27 PM |
| Islandgal | $50.00 | $50.00 | 10/19/2010 4:05:08 PM |
| sz | $50.38 | $50.38 | 10/19/2010 4:33:28 PM |
| rmpedi33 | $50.00 | $50.00 | 10/19/2010 4:52:02 PM |
| notown | $37.00 | $37.00 | 10/19/2010 6:51:29 PM |
| culldud6900 | $28.00 | $28.00 | 10/19/2010 6:02:38 PM |
| Daubertoo | $25.00 | $25.00 | 10/19/2010 7:34:19 PM |
| wojo | $25.00 | $25.00 | 10/19/2010 7:56:55 PM |
| silver-armada | $50.00 | $50.00 | 10/20/2010 5:03:48 AM |
| Xsi2k | $25.00 | $25.00 | 10/20/2010 5:07:15 AM |
| credit-panda1 | $25.00 | $25.00 | 10/20/2010 5:57:21 AM |
| nickel-universe2 | $25.00 | $25.00 | 10/20/2010 6:34:59 AM |
| wealth-multiplier | $25.00 | $25.00 | 10/20/2010 6:37:45 AM |
| octoberfresh | $25.00 | $25.00 | 10/20/2010 7:08:23 AM |
| happyinvallarta | $50.00 | $50.00 | 10/20/2010 7:14:34 AM |
| trade-freshmaker | $36.89 | $36.89 | 10/20/2010 7:29:43 AM |
| fair_rates | $25.00 | $25.00 | 10/20/2010 7:46:31 AM |
| suave-dime6 | $25.00 | $25.00 | 10/20/2010 7:50:35 AM |
| thebadpelican | $25.00 | $25.00 | 10/20/2010 8:04:10 AM |
| lenderKP | $25.00 | $25.00 | 10/20/2010 8:31:28 AM |
| pythia | $25.00 | $25.00 | 10/20/2010 8:58:12 AM |
| ore-dojo | $75.00 | $75.00 | 10/20/2010 9:11:19 AM |
| orange-dollar-guild | $25.00 | $25.00 | 10/20/2010 9:07:41 AM |
| deal-enrichment | $50.00 | $50.00 | 10/20/2010 9:48:50 AM |
| Loan-Mart | $104.10 | $104.10 | 10/20/2010 10:15:52 AM |
| smurf163 | $25.00 | $25.00 | 10/20/2010 10:39:57 AM |
| DublinCaLender | $30.50 | $30.50 | 10/20/2010 11:13:43 AM |
| phchristensen | $50.00 | $50.00 | 10/20/2010 11:01:36 AM |
| Astyanax | $100.00 | $100.00 | 10/20/2010 12:04:54 PM |
| GSV67 | $50.00 | $50.00 | 10/20/2010 11:54:04 AM |
| jybank | $50.00 | $50.00 | 10/20/2010 11:54:24 AM |
| DasMula | $25.00 | $25.00 | 10/20/2010 12:46:03 PM |
| DasMula | $25.00 | $25.00 | 10/20/2010 12:46:27 PM |
| LittlePiggyBank | $50.00 | $50.00 | 10/20/2010 1:48:58 PM |
| Scoote2912 | $25.00 | $25.00 | 10/20/2010 1:08:27 PM |
| buddy486 | $25.00 | $25.00 | 10/20/2010 1:12:15 PM |
| friendinmoney | $25.00 | $25.00 | 10/20/2010 2:31:49 PM |
| radforj22 | $25.00 | $25.00 | 10/13/2010 2:44:12 PM |
| authentic-liberty7 | $25.00 | $25.00 | 10/13/2010 2:50:16 PM |
| tntmojave | $25.00 | $25.00 | 10/13/2010 2:53:25 PM |
| CAGE-Investments | $25.00 | $25.00 | 10/13/2010 2:53:45 PM |
| crenen139 | $25.00 | $25.00 | 10/13/2010 2:55:13 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/13/2010 2:52:40 PM |
| generous-deal6 | $50.00 | $50.00 | 10/13/2010 2:58:06 PM |
| Weaverville | $50.00 | $50.00 | 10/13/2010 2:44:26 PM |
| selector568 | $300.00 | $300.00 | 10/13/2010 2:57:38 PM |
| alpinaut | $25.00 | $25.00 | 10/13/2010 2:47:56 PM |
| SelectTrustLending | $25.00 | $25.00 | 10/13/2010 3:08:11 PM |
| DRA-Properties | $25.00 | $25.00 | 10/13/2010 2:51:06 PM |
| studious-bonus7 | $41.97 | $41.97 | 10/13/2010 2:51:14 PM |
| jazzlender | $25.00 | $25.00 | 10/13/2010 2:51:24 PM |
| greentomato | $25.00 | $25.00 | 10/13/2010 2:53:35 PM |
| cybernosha | $25.00 | $25.00 | 10/13/2010 2:53:40 PM |
| payout-achievement | $100.00 | $100.00 | 10/13/2010 2:54:45 PM |
| penny-plato | $25.00 | $25.00 | 10/13/2010 3:17:20 PM |
| hookUup | $50.00 | $50.00 | 10/13/2010 4:33:51 PM |
| taurusco | $50.00 | $50.00 | 10/13/2010 4:52:49 PM |
| worthy-bid8 | $100.00 | $100.00 | 10/13/2010 2:57:36 PM |
| williemc44 | $50.00 | $50.00 | 10/13/2010 7:39:40 PM |
| handshake5 | $100.00 | $100.00 | 10/13/2010 3:05:40 PM |
| roux | $25.00 | $25.00 | 10/14/2010 6:27:43 AM |
| GElender | $50.00 | $50.00 | 10/14/2010 7:55:08 AM |
| DasMula | $25.00 | $25.00 | 10/13/2010 10:59:55 PM |
| Sevron | $100.00 | $100.00 | 10/14/2010 10:28:13 AM |
| enthralling-deal180 | $50.00 | $50.00 | 10/14/2010 2:35:28 PM |
| GeorgiaGator | $50.00 | $50.00 | 10/14/2010 4:05:08 PM |
| squarebob | $25.00 | $25.00 | 10/14/2010 6:44:13 PM |
| jga516 | $25.00 | $25.00 | 10/15/2010 11:28:03 AM |
| ethicalhumanist | $50.00 | $50.00 | 10/15/2010 1:34:52 PM |
| a-finance-nirvana | $25.00 | $25.00 | 10/15/2010 5:19:07 PM |
| friendly-market5 | $31.81 | $1.67 | 10/15/2010 5:23:59 PM |
| shmb6508 | $100.00 | $100.00 | 10/15/2010 4:00:09 PM |
| SOP_Bank | $25.00 | $25.00 | 10/16/2010 10:39:48 AM |
| greenback-bull6 | $25.88 | $25.88 | 10/16/2010 11:17:01 PM |
| payment-halo | $25.00 | $25.00 | 10/18/2010 7:47:08 AM |
| patriot384 | $351.00 | $351.00 | 10/18/2010 7:46:16 AM |
| credit-coach118 | $35.00 | $35.00 | 10/18/2010 9:40:45 AM |
| investment-artist | $25.00 | $25.00 | 10/18/2010 10:28:49 AM |
| UncleScroogeDMD | $150.00 | $150.00 | 10/18/2010 12:31:11 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/18/2010 2:51:35 PM |
| cutter21 | $25.00 | $25.00 | 10/18/2010 3:13:43 PM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/18/2010 5:36:54 PM |
| reflective-rupee | $200.00 | $200.00 | 10/18/2010 5:04:45 PM |
| Roundhouse | $100.00 | $100.00 | 10/18/2010 8:15:54 PM |
| rockhound84 | $25.00 | $25.00 | 10/19/2010 2:23:15 AM |
| _NaLNaBB | $300.00 | $300.00 | 10/19/2010 10:18:00 AM |
| thrilling-nickel5 | $26.00 | $26.00 | 10/19/2010 10:27:50 AM |
| systemlender | $100.00 | $100.00 | 10/19/2010 11:59:26 AM |
| jeremy20 | $25.00 | $25.00 | 10/19/2010 3:53:46 PM |
| frclmym | $25.00 | $25.00 | 10/19/2010 4:59:06 PM |
| tranquil-revenue | $50.00 | $50.00 | 10/20/2010 1:21:23 AM |
| ogmanny | $50.00 | $50.00 | 10/20/2010 1:46:30 AM |
| myidear | $25.00 | $25.00 | 10/20/2010 3:46:21 AM |
| trustworthy-finance6 | $150.00 | $150.00 | 10/20/2010 5:55:22 AM |
| Charmart | $25.00 | $25.00 | 10/20/2010 6:00:16 AM |
| mjunlimited | $50.00 | $50.00 | 10/20/2010 6:28:35 AM |
| exact-peso2 | $25.00 | $25.00 | 10/20/2010 7:08:26 AM |
| designs626 | $50.00 | $50.00 | 10/20/2010 7:11:16 AM |
| Phantom99 | $25.00 | $25.00 | 10/20/2010 7:40:58 AM |
| FinanceEngine | $25.00 | $25.00 | 10/20/2010 7:41:46 AM |
| balance-chestnut | $62.50 | $62.50 | 10/20/2010 8:06:59 AM |
| rajs | $201.21 | $201.21 | 10/20/2010 8:23:03 AM |
| nestegg4e | $25.00 | $25.00 | 10/20/2010 8:43:56 AM |
| Eagledrop | $25.00 | $25.00 | 10/20/2010 8:46:00 AM |
| p2p-mushroom1 | $25.00 | $25.00 | 10/20/2010 9:20:32 AM |
| shelcurt | $25.00 | $25.00 | 10/20/2010 9:41:20 AM |
| UCSBGAUCHOS | $35.00 | $35.00 | 10/20/2010 9:54:54 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 10/20/2010 10:36:41 AM |
| calm-deal7 | $25.00 | $25.00 | 10/20/2010 11:13:24 AM |
| durable-investment8 | $30.00 | $30.00 | 10/20/2010 10:50:08 AM |
| bxdoc | $75.00 | $75.00 | 10/20/2010 11:08:24 AM |
| slojudy | $25.05 | $25.05 | 10/20/2010 10:53:39 AM |
| crw1950 | $50.00 | $50.00 | 10/20/2010 11:10:03 AM |
| trade-elm | $30.00 | $30.00 | 10/20/2010 11:38:36 AM |
| rad-pred | $50.00 | $50.00 | 10/20/2010 11:15:55 AM |
| equitable-yield4 | $25.00 | $25.00 | 10/20/2010 11:25:36 AM |
| justice-officer | $44.48 | $44.48 | 10/20/2010 12:15:20 PM |
| Requiem | $25.00 | $25.00 | 10/20/2010 12:34:39 PM |
| PlusUltra | $100.00 | $100.00 | 10/20/2010 11:56:58 AM |
| lazyeye | $25.00 | $25.00 | 10/20/2010 12:03:01 PM |
| Dillonmd58 | $25.00 | $25.00 | 10/20/2010 12:54:21 PM |
| dollardave | $100.00 | $100.00 | 10/20/2010 1:11:08 PM |
| the-money-position | $50.00 | $50.00 | 10/20/2010 12:33:02 PM |
| RecoveryLender | $25.00 | $25.00 | 10/20/2010 1:28:09 PM |
| felicity-daydream | $98.00 | $98.00 | 10/20/2010 12:35:56 PM |
| wkeboarder21 | $50.00 | $50.00 | 10/20/2010 12:37:59 PM |
| fireferd | $25.00 | $25.00 | 10/20/2010 12:52:03 PM |
| responsible-investment0 | $50.00 | $50.00 | 10/20/2010 12:54:23 PM |
| sign_here | $25.00 | $25.00 | 10/20/2010 1:14:44 PM |
| Lubava | $25.00 | $25.00 | 10/20/2010 1:30:38 PM |
| wwwUniversal | $25.00 | $25.00 | 10/20/2010 2:39:05 PM |
| grampy48 | $25.00 | $25.00 | 10/20/2010 1:44:34 PM |
| bondhedger | $25.00 | $25.00 | 10/20/2010 1:40:15 PM |
| twsems | $100.00 | $100.00 | 10/20/2010 1:57:52 PM |
| a0z0ra | $50.00 | $50.00 | 10/20/2010 2:14:11 PM |
| 108lender | $100.00 | $100.00 | 10/20/2010 2:40:22 PM |
| 183 bids
|
Borrower Payment Dependent Notes Series
479688
This series of Notes was issued and sold upon the funding of the borrower loan #44940, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,250.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.55% |
Auction start date:
| Oct-15-2010 |
| |
Auction end date:
| Oct-19-2010 |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $196.57 |
|
Final lender yield:
| 7.25% |
Final borrower rate/APR:
| 8.25% / 8.59% |
Final monthly payment:
| $196.57 |
| |
|
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:
| Sep-2002 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,028 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| best-yield-enforcer |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my Credit Card.
Purpose of loan:
This loan will be used to? pay off my credit card debt. I'm doing this in order to improve my credit profile, so that I can purchase a home. I also, plan on getting married very soon.?
My financial situation:
I am a good candidate for this loan because? I have over twenty years experience in my chosen field of expertise, and my contract has just recently been renewed for another four years.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DukSerduk | $25.00 | $25.00 | 10/15/2010 3:28:02 PM |
| Veridic | $25.00 | $25.00 | 10/15/2010 3:28:15 PM |
| life-is-great | $50.00 | $50.00 | 10/15/2010 3:29:14 PM |
| meenan | $25.00 | $25.00 | 10/15/2010 3:29:39 PM |
| E_G | $50.00 | $50.00 | 10/15/2010 3:29:43 PM |
| SDNLR | $25.00 | $25.00 | 10/15/2010 3:30:00 PM |
| fishtale | $25.00 | $25.00 | 10/15/2010 3:30:05 PM |
| generous-deal6 | $25.00 | $25.00 | 10/15/2010 3:32:24 PM |
| kegs | $100.00 | $100.00 | 10/15/2010 3:33:37 PM |
| organized-payment6 | $50.00 | $50.00 | 10/15/2010 3:34:29 PM |
| Artist_Blue | $25.00 | $25.00 | 10/15/2010 3:47:58 PM |
| money-bauble | $100.00 | $100.00 | 10/15/2010 3:48:14 PM |
| kenji4861 | $50.00 | $50.00 | 10/15/2010 3:29:31 PM |
| psa1995 | $50.00 | $50.00 | 10/15/2010 3:29:40 PM |
| MJDAE | $50.00 | $50.00 | 10/15/2010 3:29:45 PM |
| GElender | $50.00 | $50.00 | 10/15/2010 3:29:55 PM |
| exact-gold2 | $25.00 | $25.00 | 10/15/2010 3:28:10 PM |
| ericgassercom | $50.00 | $50.00 | 10/15/2010 3:29:17 PM |
| numitor | $50.00 | $50.00 | 10/15/2010 3:29:24 PM |
| ichibon | $150.00 | $150.00 | 10/15/2010 3:29:33 PM |
| diplomatic-wealth7 | $100.00 | $100.00 | 10/15/2010 3:29:38 PM |
| roadtruck | $50.00 | $50.00 | 10/15/2010 3:29:50 PM |
| cebgop | $25.00 | $25.00 | 10/15/2010 3:29:56 PM |
| ogmanny | $50.00 | $50.00 | 10/15/2010 3:31:03 PM |
| red-unequivocal-finance | $25.00 | $25.00 | 10/15/2010 3:34:50 PM |
| MarinLoans | $25.00 | $25.00 | 10/15/2010 3:32:20 PM |
| larrybird | $150.00 | $150.00 | 10/15/2010 3:33:33 PM |
| jga516 | $25.00 | $25.00 | 10/15/2010 5:47:43 PM |
| lendme2 | $45.46 | $45.46 | 10/15/2010 5:13:51 PM |
| Cheburashka | $30.00 | $30.00 | 10/15/2010 5:15:04 PM |
| ADenny | $25.00 | $25.00 | 10/15/2010 9:38:04 PM |
| chrisb1414 | $25.00 | $25.00 | 10/15/2010 10:18:43 PM |
| jayhawk1000 | $50.00 | $50.00 | 10/15/2010 10:18:48 PM |
| ceg451 | $26.03 | $26.03 | 10/15/2010 10:19:03 PM |
| astute-dollar | $50.00 | $50.00 | 10/15/2010 10:19:09 PM |
| aasx1108 | $25.00 | $25.00 | 10/15/2010 10:19:17 PM |
| UofCMaroon | $25.00 | $25.00 | 10/15/2010 10:19:20 PM |
| Strand_Investments | $25.00 | $25.00 | 10/15/2010 10:20:19 PM |
| neighborly-hope6 | $50.00 | $50.00 | 10/15/2010 10:21:38 PM |
| building-america | $25.00 | $25.00 | 10/15/2010 10:18:46 PM |
| poppinkid | $50.00 | $50.00 | 10/15/2010 10:18:53 PM |
| wampum-optimization | $50.00 | $50.00 | 10/15/2010 10:19:06 PM |
| exciting-responsibility3 | $25.00 | $25.00 | 10/15/2010 10:19:18 PM |
| Aethelwolf | $25.00 | $25.00 | 10/15/2010 10:19:23 PM |
| pragmatic-contract | $25.00 | $25.00 | 10/15/2010 10:19:36 PM |
| samo102us | $25.00 | $25.00 | 10/15/2010 10:22:23 PM |
| steady-gain5 | $25.00 | $25.00 | 10/15/2010 10:22:35 PM |
| GrommetPosse | $25.00 | $25.00 | 10/15/2010 10:18:17 PM |
| bike43 | $25.00 | $25.00 | 10/15/2010 10:18:40 PM |
| worldly-kindness8 | $50.00 | $50.00 | 10/15/2010 10:18:45 PM |
| LendDoc | $50.00 | $50.00 | 10/15/2010 10:19:13 PM |
| Aegean | $25.00 | $25.00 | 10/15/2010 10:19:36 PM |
| tdinbranson | $25.00 | $25.00 | 10/15/2010 10:20:11 PM |
| investmentgroup | $42.47 | $42.47 | 10/15/2010 10:20:27 PM |
| DavenportCapital | $25.00 | $25.00 | 10/15/2010 10:20:45 PM |
| trade-trumpet | $50.00 | $50.00 | 10/15/2010 10:20:47 PM |
| Bankman68 | $50.00 | $50.00 | 10/15/2010 10:22:38 PM |
| platinum-hunter7 | $40.00 | $40.00 | 10/16/2010 4:41:01 AM |
| thankful-nickel2 | $25.00 | $25.00 | 10/17/2010 7:23:57 AM |
| NoNameLender | $58.37 | $58.37 | 10/16/2010 8:40:55 PM |
| FirstLender | $25.00 | $25.00 | 10/17/2010 1:28:36 PM |
| kander80 | $25.00 | $25.00 | 10/17/2010 11:33:15 AM |
| fcrick | $25.00 | $25.00 | 10/18/2010 1:30:26 AM |
| KWarrior | $25.00 | $25.00 | 10/17/2010 5:59:10 PM |
| FundMaker | $25.00 | $25.00 | 10/18/2010 11:42:40 AM |
| bradny | $25.00 | $25.00 | 10/18/2010 12:54:41 PM |
| loan-warrior | $25.00 | $25.00 | 10/18/2010 3:57:26 PM |
| coolcoast | $50.00 | $50.00 | 10/18/2010 4:17:53 PM |
| ddamenace | $40.00 | $40.00 | 10/18/2010 7:42:05 PM |
| Roundhouse | $100.00 | $100.00 | 10/18/2010 8:03:08 PM |
| penny-plato | $25.00 | $25.00 | 10/18/2010 10:34:24 PM |
| dealmaster | $150.71 | $150.71 | 10/18/2010 7:37:29 PM |
| jazz619 | $25.00 | $25.00 | 10/15/2010 3:29:02 PM |
| hookUup | $100.00 | $100.00 | 10/15/2010 3:29:11 PM |
| Jynxie | $50.00 | $50.00 | 10/15/2010 3:29:18 PM |
| delicious-social132 | $50.00 | $50.00 | 10/15/2010 3:29:29 PM |
| julijask | $35.00 | $35.00 | 10/15/2010 3:29:42 PM |
| antlr | $50.00 | $50.00 | 10/15/2010 3:29:57 PM |
| DonaldColorado | $100.00 | $100.00 | 10/15/2010 3:29:59 PM |
| ThomasC | $50.00 | $50.00 | 10/15/2010 3:30:07 PM |
| RandyL3 | $25.00 | $25.00 | 10/15/2010 3:33:15 PM |
| noble-revenue | $50.00 | $50.00 | 10/15/2010 3:46:03 PM |
| alpinaut | $30.00 | $30.00 | 10/15/2010 3:26:09 PM |
| ramsbladder | $25.00 | $25.00 | 10/15/2010 3:29:16 PM |
| Avala | $100.00 | $100.00 | 10/15/2010 3:29:35 PM |
| rescue | $100.00 | $100.00 | 10/15/2010 3:29:44 PM |
| blot44 | $25.00 | $25.00 | 10/15/2010 3:29:52 PM |
| jdwillcox | $50.00 | $50.00 | 10/15/2010 3:30:57 PM |
| retiresecure | $25.00 | $25.00 | 10/15/2010 3:21:53 PM |
| worthy-bid8 | $100.00 | $100.00 | 10/15/2010 3:28:18 PM |
| conductor146 | $25.00 | $25.00 | 10/15/2010 3:29:01 PM |
| turbospeed | $25.00 | $25.00 | 10/15/2010 3:29:09 PM |
| TakeCare | $100.00 | $100.00 | 10/15/2010 3:33:08 PM |
| mjunlimited | $50.00 | $50.00 | 10/15/2010 3:29:21 PM |
| tntmojave | $25.00 | $25.00 | 10/15/2010 3:29:25 PM |
| cachecrew | $50.00 | $50.00 | 10/15/2010 3:29:32 PM |
| catterpillar | $50.00 | $50.00 | 10/15/2010 5:15:23 PM |
| jts | $25.00 | $25.00 | 10/15/2010 3:29:37 PM |
| eyal0 | $50.00 | $50.00 | 10/15/2010 3:29:41 PM |
| thedoctor | $50.00 | $50.00 | 10/15/2010 3:34:06 PM |
| ray1051 | $75.00 | $75.00 | 10/15/2010 3:34:22 PM |
| bobemilman | $50.00 | $50.00 | 10/15/2010 3:34:40 PM |
| lloyd_s | $25.00 | $25.00 | 10/15/2010 3:45:23 PM |
| 16888 | $50.00 | $50.00 | 10/15/2010 10:18:46 PM |
| azali | $25.00 | $25.00 | 10/15/2010 10:18:50 PM |
| zen1cent | $25.00 | $25.00 | 10/15/2010 10:19:17 PM |
| fireheart | $50.00 | $50.00 | 10/15/2010 10:19:31 PM |
| ashot12 | $25.00 | $25.00 | 10/15/2010 10:20:18 PM |
| a-commitment-brilliance | $25.00 | $25.00 | 10/15/2010 10:20:33 PM |
| Kerrysbay | $50.00 | $50.00 | 10/15/2010 10:21:03 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 10/15/2010 10:21:39 PM |
| MAJESTIC5 | $50.00 | $50.00 | 10/15/2010 10:22:19 PM |
| Joem311JE | $25.00 | $25.00 | 10/15/2010 10:18:37 PM |
| InvestmentFreak | $35.00 | $35.00 | 10/15/2010 10:18:48 PM |
| Mr_Bigmoney | $25.00 | $25.00 | 10/15/2010 10:18:56 PM |
| CindysMom | $25.00 | $25.00 | 10/15/2010 10:19:08 PM |
| fairness-kayak | $25.00 | $25.00 | 10/15/2010 10:20:00 PM |
| fly4sugar | $25.00 | $25.00 | 10/15/2010 10:20:10 PM |
| mizon291 | $50.00 | $50.00 | 10/15/2010 10:21:06 PM |
| fervent-repayment | $25.00 | $25.00 | 10/15/2010 10:21:09 PM |
| scottr | $25.00 | $25.00 | 10/15/2010 10:22:29 PM |
| NDFIRTH | $50.00 | $50.00 | 10/15/2010 10:18:24 PM |
| bglender | $50.00 | $50.00 | 10/15/2010 10:18:32 PM |
| oskizzle | $25.00 | $25.00 | 10/15/2010 10:18:41 PM |
| generosity-giraffe0 | $25.00 | $25.00 | 10/15/2010 10:19:15 PM |
| jazzlender | $25.00 | $25.00 | 10/15/2010 10:20:30 PM |
| point-zebra | $50.00 | $1.71 | 10/15/2010 10:22:41 PM |
| principal-bull | $25.00 | $25.00 | 10/16/2010 6:42:18 AM |
| Sarspatula | $25.00 | $25.00 | 10/16/2010 5:37:46 PM |
| BigSurf | $25.00 | $25.00 | 10/16/2010 11:24:01 AM |
| godfather4u | $50.00 | $50.00 | 10/16/2010 5:56:06 PM |
| capital-star5 | $25.25 | $25.25 | 10/17/2010 12:58:31 AM |
| lostviajero | $25.00 | $25.00 | 10/18/2010 9:31:20 AM |
| indomart | $50.00 | $50.00 | 10/18/2010 9:22:00 AM |
| selector568 | $400.00 | $400.00 | 10/18/2010 12:05:40 PM |
| credit-guard5 | $25.00 | $25.00 | 10/18/2010 3:20:50 PM |
| G2Money | $50.00 | $50.00 | 10/18/2010 7:05:47 PM |
| tedi-tif | $40.00 | $40.00 | 10/19/2010 10:40:38 AM |
| dajen1 | $50.00 | $50.00 | 10/19/2010 12:13:33 PM |
| 139 bids
|
Borrower Payment Dependent Notes Series
479886
This series of Notes was issued and sold upon the funding of the borrower loan #44942, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $11,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% |
Auction start date:
| Oct-18-2010 |
| |
Auction end date:
| Oct-18-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $497.60 |
|
Final lender yield:
| 33.99% |
Final borrower rate/APR:
| 34.99% / 38.71% |
Final monthly payment:
| $497.53 |
| |
|
Auction yield range:
| 10.71% - 34.00% |
Estimated loss impact:
| 10.67% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 23.32% | | |
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):
| 7 |
First credit line:
| Jan-1982 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 10y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 62 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $25,735 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| morgabe |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 52% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 14
( 48% )
| 700-719
(Aug-2010)
700-719
(Jul-2010)
700-719
(Jun-2010)
700-719
(Mar-2010)
|
|
Principal balance:
| $3,410.16 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
2nd Prosper Loan! Low DTI!
This loan will be used for home improvements, and to pay
down more debt.? I have done an excellent job of paying down debt as
evidenced by my increased Prosper number and letter score. My wife and I only
use our debit card. After the huge rains in my state in spring, the outside of my
home has rotting wood that needs to be taken care of.My kitchen also needs work as does some
flooring.I am a good candidate for this loan because I am in a secure
job as a physician with the same hospital for over 20 years and I am with the
Army Reserves. I make enough money to pay this 2nd Prosper loan
without difficulty. My bankcard utilization is down to 34%! My Prosper score is up to 7.Thank you for your considering my request.Monthly net income: $20,000 (not including Reserve duty)
Monthly expenses: 13,117 (approx)
??Housing: 4000 (PITI)
??Insurance: 1150
??Car expenses: 1500
??Utilities:?400?
??Phone, cable, internet: 450
??Food, entertainment: 1000
??Clothing, household expenses?750?
??Credit cards and other loans: 3200
??Medical Dues: 125Taxes: 542
Information in the Description is not verified.
Friends And Family Winning Bids
MilitaryLoans has bid a total of
$10,326.00 in winning bids.
friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| thermopylae6 | $25.00 | $25.00 | 10/18/2010 3:00:25 PM |
| orange-influential-credit | $54.00 | $54.00 | 10/18/2010 3:00:38 PM |
| ekmendenhall | $45.00 | $45.00 | 10/18/2010 3:10:59 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/18/2010 3:11:44 PM |
| handshake5 | $50.00 | $50.00 | 10/18/2010 3:13:31 PM |
| ferocious-camaraderi1 | $100.00 | $100.00 | 10/18/2010 3:19:55 PM |
| Katburg | $25.00 | $25.00 | 10/18/2010 3:00:37 PM |
| murspot | $25.00 | $25.00 | 10/18/2010 3:02:42 PM |
| bid-czar8 | $25.00 | $25.00 | 10/18/2010 3:12:55 PM |
| KMSB | $25.00 | $25.00 | 10/18/2010 3:02:38 PM |
| nickel-demon2 | $50.00 | $50.00 | 10/18/2010 3:19:38 PM |
| MilitaryLoans | $11,000.00 | $10,326.00 | 10/18/2010 3:24:51 PM |
| AlexTrep | $50.00 | $50.00 | 10/18/2010 3:25:39 PM |
| 13 bids
|
Borrower Payment Dependent Notes Series
479922
This series of Notes was issued and sold upon the funding of the borrower loan #44958, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,650.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-18-2010 |
| |
Auction end date:
| Oct-20-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $108.90 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $108.90 |
| |
|
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):
| 7 |
First credit line:
| Feb-1990 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
6 | Length of status: | 14y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,787 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| speedy-liberty6 |
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
Home Improvements
Purpose of loan:
This loan will be used to complete home improvements. We would like to repair and refinish our?wood fence as well as our children's wood playset. We would also like to?update our landscaping by adding various trees and shrubs. ?
My financial situation:
I am a good candidate for this loan because I have been employed by the same company for?nearly 15 years. I pay my bills on time or early each month.
Monthly net income:?$5250
Monthly expenses:?
??Housing: $ 1475
??Insurance: $?142
??Car expenses: $?535 car payment, $360 gas/month
??Utilities: $?223
??Phone, cable, internet: $?300?
??Food, entertainment: $?200
??Clothing, household expenses $100?
??Credit cards and other loans: $?600
??Other expenses: $ 214 (Preschool for youngest child)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| transaction-circuit | $50.00 | $50.00 | 10/18/2010 3:07:43 PM |
| nybanker85 | $50.00 | $50.00 | 10/18/2010 3:51:16 PM |
| beakerfish | $150.00 | $150.00 | 10/18/2010 5:38:21 PM |
| payment-halo | $25.00 | $25.00 | 10/18/2010 5:07:51 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/18/2010 7:27:59 PM |
| proton346 | $25.00 | $25.00 | 10/18/2010 9:19:37 PM |
| NoCal | $30.00 | $30.00 | 10/19/2010 8:16:50 AM |
| EBITDA | $25.00 | $25.00 | 10/19/2010 4:15:38 PM |
| patriot384 | $120.00 | $120.00 | 10/19/2010 4:00:20 PM |
| TakeCare | $60.00 | $60.00 | 10/19/2010 4:15:25 PM |
| SeeksValue | $25.00 | $25.00 | 10/19/2010 6:04:28 PM |
| SFBank | $300.00 | $300.00 | 10/19/2010 6:24:11 PM |
| organic-order | $25.00 | $25.00 | 10/19/2010 6:40:17 PM |
| Whipster | $25.00 | $25.00 | 10/19/2010 7:06:46 PM |
| jigsaw | $25.11 | $25.11 | 10/20/2010 6:31:51 AM |
| Mocaba | $50.00 | $50.00 | 10/20/2010 7:20:53 AM |
| Mocaba | $50.00 | $50.00 | 10/20/2010 7:20:10 AM |
| anton | $300.00 | $184.35 | 10/20/2010 3:45:21 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/20/2010 3:43:24 PM |
| EngineersAlliance | $100.00 | $100.00 | 10/20/2010 3:58:50 PM |
| One_Lolo | $25.00 | $25.00 | 10/20/2010 3:59:28 PM |
| wwwUniversal | $25.00 | $25.00 | 10/20/2010 3:59:35 PM |
| handshake5 | $50.00 | $50.00 | 10/18/2010 3:13:35 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/18/2010 3:11:46 PM |
| bid-czar8 | $25.00 | $25.00 | 10/18/2010 3:12:57 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/18/2010 3:24:37 PM |
| reflective-rupee | $300.00 | $300.00 | 10/18/2010 4:32:24 PM |
| shmb6508 | $50.00 | $50.00 | 10/19/2010 11:16:26 AM |
| musegaze | $100.00 | $100.00 | 10/19/2010 11:25:17 AM |
| SOP_Bank | $25.00 | $25.00 | 10/19/2010 1:12:10 PM |
| teller | $50.00 | $50.00 | 10/19/2010 11:24:52 AM |
| graceful-investment | $100.00 | $100.00 | 10/19/2010 4:15:48 PM |
| Wellman | $50.00 | $50.00 | 10/19/2010 4:15:37 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/20/2010 3:45:28 AM |
| money-bauble | $55.54 | $55.54 | 10/20/2010 5:52:14 AM |
| Mocaba | $50.00 | $50.00 | 10/20/2010 7:20:30 AM |
| wlm3012 | $25.00 | $25.00 | 10/20/2010 8:23:37 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/20/2010 9:52:21 AM |
| ingenious-deal6 | $25.00 | $25.00 | 10/20/2010 10:17:35 AM |
| tacopants | $50.00 | $50.00 | 10/20/2010 10:33:52 AM |
| 40 bids
|
Borrower Payment Dependent Notes Series
477993
This series of Notes was issued and sold upon the funding of the borrower loan #44937, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% |
Auction start date:
| Oct-05-2010 |
| |
Auction end date:
| Oct-11-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $180.71 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $180.71 |
| |
|
Auction yield range:
| 10.71% - 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:
| Nov-1988 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 8y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,240 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 22 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bold-currency-tent |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2010)
660-679
(Nov-2009)
|
|
Principal balance:
| $2,386.04 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Debt consolidation desired
Purpose of loan:
This loan will be used to consolidate some outstanding debt to lower my monthly payments and allow me to have a bigger cushion each month and add to my savings. ???? ???? ????
My financial situation:
I am a good candidate for this loan because I am currently employed in a stable long term career as a public employee, all of my bills are current and I am working toward my goal of long term financial stability.
Monthly net income: $ 2388.00 ????
Monthly expenses: $
??Housing: $
500
??Insurance: $
120
??Car expenses: $
320
??Utilities: $
70 ????
??Phone, cable, internet: $
70
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
122
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AlexTrep | $50.00 | $50.00 | 10/5/2010 2:47:56 PM |
| 6moonbeams | $25.00 | $25.00 | 10/5/2010 2:49:01 PM |
| tech310 | $50.00 | $50.00 | 10/5/2010 3:20:27 PM |
| handshake5 | $100.00 | $100.00 | 10/5/2010 3:22:08 PM |
| agiovasil | $25.00 | $25.00 | 10/5/2010 3:24:11 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/5/2010 3:25:40 PM |
| frogperson | $100.00 | $100.00 | 10/5/2010 6:05:34 PM |
| kulender | $41.38 | $41.38 | 10/6/2010 2:52:41 AM |
| itnAAnti | $25.00 | $25.00 | 10/6/2010 3:11:42 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 8:56:04 AM |
| consummate-loyalty1 | $73.46 | $73.46 | 10/7/2010 9:42:58 AM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 11:28:48 AM |
| life-is-great | $50.00 | $50.00 | 10/8/2010 2:35:57 PM |
| numitor | $50.00 | $50.00 | 10/8/2010 2:06:25 PM |
| loan-mammal | $25.00 | $25.00 | 10/8/2010 2:37:14 PM |
| villagers | $50.00 | $50.00 | 10/8/2010 2:33:48 PM |
| teller | $50.00 | $50.00 | 10/8/2010 7:42:54 PM |
| supreme-hope | $25.00 | $25.00 | 10/9/2010 5:18:21 AM |
| beaker | $25.00 | $25.00 | 10/9/2010 7:22:57 AM |
| vine99 | $40.00 | $40.00 | 10/10/2010 6:00:18 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/10/2010 5:12:50 PM |
| cybernosha | $25.00 | $25.00 | 10/10/2010 6:13:18 PM |
| Papa_Mema | $50.00 | $50.00 | 10/10/2010 6:48:42 PM |
| credit-sycamore4 | $50.00 | $50.00 | 10/10/2010 12:03:27 PM |
| loanman2007 | $25.00 | $25.00 | 10/11/2010 7:28:45 AM |
| 108lender | $50.00 | $50.00 | 10/11/2010 8:08:10 AM |
| Rob717171 | $25.00 | $25.00 | 10/11/2010 3:01:58 PM |
| friendinmoney | $25.00 | $25.00 | 10/11/2010 2:53:38 PM |
| cash-spark3 | $50.00 | $50.00 | 10/11/2010 3:03:18 PM |
| saffron4 | $25.00 | $25.00 | 10/11/2010 3:04:06 PM |
| LenderByDay | $25.00 | $25.00 | 10/11/2010 3:04:25 PM |
| WowieATL | $30.00 | $30.00 | 10/11/2010 3:04:28 PM |
| delivery | $25.00 | $25.00 | 10/11/2010 3:02:21 PM |
| helping-out | $50.00 | $50.00 | 10/11/2010 3:02:34 PM |
| soulwork | $25.00 | $25.00 | 10/11/2010 3:02:45 PM |
| gold-channel2 | $50.00 | $50.00 | 10/11/2010 3:06:03 PM |
| JoyfulVegetarian | $25.00 | $25.00 | 10/11/2010 3:03:41 PM |
| duty-windmill | $25.00 | $25.00 | 10/11/2010 3:03:54 PM |
| KiwiElf | $30.00 | $30.00 | 10/11/2010 3:04:23 PM |
| patriot384 | $120.00 | $120.00 | 10/11/2010 12:34:26 PM |
| social-conductor4 | $25.00 | $25.00 | 10/11/2010 3:08:12 PM |
| important-openness1 | $34.12 | $34.12 | 10/11/2010 3:08:54 PM |
| worldly-penny8 | $25.00 | $25.00 | 10/11/2010 3:06:11 PM |
| tidy-generosity | $25.00 | $25.00 | 10/11/2010 3:06:41 PM |
| commitment-symphony9 | $50.00 | $50.00 | 10/11/2010 3:07:43 PM |
| FeedTheMachine | $41.03 | $41.03 | 10/11/2010 3:07:50 PM |
| new-social-economist | $50.00 | $50.00 | 10/11/2010 3:08:29 PM |
| twjh | $25.00 | $25.00 | 10/11/2010 3:24:40 PM |
| wampum-amplifier | $25.00 | $25.00 | 10/11/2010 3:03:31 PM |
| radiant-loan5 | $100.00 | $100.00 | 10/11/2010 3:03:37 PM |
| chemistry220 | $50.00 | $50.00 | 10/11/2010 3:05:37 PM |
| p2ploan-charmer | $25.00 | $25.00 | 10/11/2010 3:06:14 PM |
| bbrinck | $50.00 | $50.00 | 10/11/2010 3:06:28 PM |
| MADAOO7 | $30.65 | $30.65 | 10/11/2010 3:07:34 PM |
| newest-inspiring-power | $25.00 | $25.00 | 10/11/2010 3:07:47 PM |
| mtquan | $25.00 | $25.00 | 10/11/2010 3:08:59 PM |
| papaloha | $25.00 | $25.00 | 10/5/2010 2:48:33 PM |
| GElender | $25.00 | $25.00 | 10/5/2010 2:59:15 PM |
| sfmf | $25.00 | $25.00 | 10/5/2010 3:09:43 PM |
| lendstats_com | $25.00 | $25.00 | 10/5/2010 3:20:19 PM |
| bid-czar8 | $25.00 | $25.00 | 10/5/2010 3:22:31 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/5/2010 3:23:30 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/5/2010 3:27:02 PM |
| brother_tam | $50.00 | $50.00 | 10/5/2010 3:26:51 PM |
| rescue | $100.00 | $100.00 | 10/5/2010 5:35:06 PM |
| reflective-rupee | $25.00 | $25.00 | 10/5/2010 7:33:15 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/5/2010 11:42:58 PM |
| graceful-investment | $100.00 | $100.00 | 10/6/2010 6:38:03 AM |
| jubilant-agreement0 | $25.00 | $25.00 | 10/6/2010 3:17:30 PM |
| simplelender80 | $25.00 | $25.00 | 10/6/2010 8:12:59 PM |
| b-rent | $25.00 | $25.00 | 10/6/2010 8:12:56 PM |
| all_of_that_one | $35.00 | $35.00 | 10/7/2010 6:24:54 AM |
| S-Master | $50.00 | $50.00 | 10/8/2010 2:29:39 PM |
| asiaratt | $50.00 | $50.00 | 10/8/2010 2:34:17 PM |
| jubilant-auction5 | $25.00 | $25.00 | 10/8/2010 2:34:24 PM |
| SLN-10 | $50.00 | $50.00 | 10/8/2010 2:37:06 PM |
| MarinLoans | $25.00 | $25.00 | 10/8/2010 2:37:10 PM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/8/2010 2:44:52 PM |
| Comoparklender | $34.37 | $34.37 | 10/8/2010 2:30:12 PM |
| irrelevant | $25.00 | $25.00 | 10/9/2010 3:02:40 AM |
| debtcollector | $25.00 | $25.00 | 10/9/2010 10:13:21 AM |
| SolarMoonshine | $25.00 | $25.00 | 10/9/2010 1:41:40 PM |
| loss-of-control | $50.00 | $50.00 | 10/10/2010 8:28:39 AM |
| ashot12 | $50.00 | $50.00 | 10/11/2010 12:26:16 AM |
| grnii78 | $75.00 | $75.00 | 10/11/2010 6:11:30 AM |
| the-determined-value | $50.00 | $50.00 | 10/10/2010 8:38:46 PM |
| icecoldcash | $30.00 | $30.00 | 10/11/2010 9:27:45 AM |
| musegaze | $32.00 | $32.00 | 10/11/2010 3:13:11 AM |
| realtormoises | $25.00 | $25.00 | 10/11/2010 2:05:00 PM |
| Bob450 | $25.00 | $25.00 | 10/11/2010 2:45:06 PM |
| enthusiastic-balance5 | $70.16 | $70.16 | 10/11/2010 2:45:37 PM |
| dinero-vista2 | $25.00 | $25.00 | 10/11/2010 8:45:43 AM |
| KileNSmyth4 | $25.00 | $25.00 | 10/11/2010 3:01:53 PM |
| nickel-hickory | $25.00 | $25.00 | 10/11/2010 3:03:29 PM |
| momoney2lend | $25.00 | $25.00 | 10/11/2010 3:00:46 PM |
| head | $25.00 | $25.00 | 10/11/2010 3:00:49 PM |
| bountiful-durability | $100.00 | $100.00 | 10/11/2010 3:04:13 PM |
| jono9999 | $50.00 | $50.00 | 10/11/2010 3:02:38 PM |
| IntrepidInvestment | $25.00 | $25.00 | 10/11/2010 3:06:19 PM |
| kain11286 | $100.00 | $100.00 | 10/11/2010 3:03:34 PM |
| doc1 | $50.00 | $50.00 | 10/11/2010 3:04:16 PM |
| julsal | $50.00 | $50.00 | 10/11/2010 3:07:35 PM |
| escharfer | $25.00 | $25.00 | 10/11/2010 3:07:38 PM |
| payment-gusto | $25.00 | $25.00 | 10/11/2010 3:04:52 PM |
| inspiring-reward | $97.41 | $97.41 | 10/11/2010 3:05:18 PM |
| miked8303 | $25.00 | $25.00 | 10/11/2010 3:06:22 PM |
| simplewareinc | $25.00 | $25.00 | 10/11/2010 3:06:45 PM |
| revenue-channel8 | $50.00 | $50.00 | 10/11/2010 3:06:59 PM |
| wlm3012 | $25.00 | $25.00 | 10/11/2010 3:53:17 PM |
| ComputerSnack | $50.00 | $50.00 | 10/11/2010 3:05:34 PM |
| circuitfive | $25.00 | $25.00 | 10/11/2010 3:07:01 PM |
| PatRichi | $25.00 | $10.42 | 10/11/2010 3:09:02 PM |
| on_your_side | $25.00 | $25.00 | 10/11/2010 4:26:27 PM |
| 113 bids
|
Borrower Payment Dependent Notes Series
478139
This series of Notes was issued and sold upon the funding of the borrower loan #44936, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Oct-05-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 23.00% |
Final borrower rate/APR:
| 24.00% / 27.48% |
Final monthly payment:
| $196.16 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 19.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 7m |
|
Amount delinquent:
| $44 |
Total credit lines:
| 18 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,796 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| billingsley_dorothy |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 66 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,600.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jun-2010)
660-679
(Apr-2010)
640-659
(Dec-2009)
640-659
(Nov-2007)
|
|
Principal balance:
| $155.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 66 | | |
Description
Loan For Debt Consolidation
Hello again Prosper,
Thank you very much for taking the time to review and bid on my loan request. ?I currently have a loan that is being paid on time, and a previous loan that has been paid in full and I was never late on any payments.? I am looking forward to continue building my reputation and positive business relationship with Prosper. This will also allow me to continue building my FICO score. ?For this loan I am requesting $5,000. ?With your money I will consolidate debt and get some dental work done, while you earn interest.
Here is my monthly financial detail:
Net (monthly) income- $2,628
Rent-$871
Car- $267
Life insurance- $134
Auto insurance- $94
Telephone- $19
Food- $250
Gas (for auto)- $60
Utilities- $67
Total- $1,762
I will have $866 left to pay towards this loan monthly. As I have kept my promises before, I will not let Prosper and its affiliates down. You have my 100% guarantee as well as my history which speaks for itself. ?Please continue to give me the chance to show you that I am worthy of your trust. ?Thanks again, for taking the time to review 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, Just a comment!! Impeccable Prosper record, you are truly a valuable borrower. Thank you, Steve - DasMula
A:
Hi, and thank you so much! My word is my bond, that I will never let Prosper or its lenders down!
(Oct-07-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| LittleMingo | $25.00 | $25.00 | 10/7/2010 10:17:31 AM |
| Aberdeen | $400.00 | $400.00 | 10/7/2010 11:40:30 PM |
| golffish2 | $100.00 | $100.00 | 10/8/2010 9:53:40 AM |
| Aberdeen | $240.27 | $240.27 | 10/9/2010 2:48:47 AM |
| Starfin-Capital-Management | $500.00 | $500.00 | 10/10/2010 9:06:04 PM |
| WonByOne | $50.00 | $50.00 | 10/11/2010 2:16:02 PM |
| JeramyU | $27.33 | $27.33 | 10/11/2010 2:55:59 PM |
| atlas100 | $100.00 | $100.00 | 10/11/2010 9:08:41 AM |
| labyrinth0 | $25.00 | $25.00 | 10/11/2010 12:18:56 PM |
| payout-reaction740 | $25.00 | $25.00 | 10/11/2010 3:23:40 PM |
| neorunner | $25.00 | $25.00 | 10/11/2010 7:49:48 PM |
| credit-missile | $25.00 | $25.00 | 10/11/2010 10:50:26 PM |
| dcm6276 | $25.00 | $25.00 | 10/12/2010 6:55:18 AM |
| Starfin-Capital-Management | $150.00 | $150.00 | 10/12/2010 5:49:24 AM |
| LittleMingo | $38.78 | $38.78 | 10/12/2010 9:37:57 AM |
| ralf206 | $25.00 | $25.00 | 10/11/2010 9:06:22 PM |
| credit-missile | $25.00 | $25.00 | 10/11/2010 10:59:46 PM |
| courteous-cash6 | $50.00 | $50.00 | 10/12/2010 5:51:54 AM |
| loanman2007 | $100.00 | $100.00 | 10/12/2010 7:11:32 AM |
| Mikale360 | $25.00 | $25.00 | 10/12/2010 7:24:57 AM |
| Jinja | $50.00 | $50.00 | 10/12/2010 1:01:44 PM |
| Astyanax | $125.00 | $125.00 | 10/12/2010 12:47:55 PM |
| Aberdeen | $400.00 | $400.00 | 10/7/2010 11:40:32 PM |
| Aberdeen | $400.00 | $400.00 | 10/7/2010 11:40:44 PM |
| wlm3012 | $50.00 | $50.00 | 10/8/2010 7:57:00 AM |
| marwadi-62 | $290.00 | $290.00 | 10/8/2010 3:20:02 PM |
| shawnw2 | $1,000.00 | $623.62 | 10/8/2010 8:05:56 PM |
| Aberdeen | $400.00 | $400.00 | 10/9/2010 2:46:54 AM |
| FinanceEngine | $30.00 | $30.00 | 10/10/2010 11:36:55 PM |
| red-adaptable-funds | $75.00 | $75.00 | 10/11/2010 2:33:54 PM |
| red-adaptable-funds | $75.00 | $75.00 | 10/11/2010 2:34:20 PM |
| mikeandcat | $150.00 | $150.00 | 10/11/2010 2:58:20 PM |
| Bob450 | $25.00 | $25.00 | 10/11/2010 4:36:51 PM |
| credit-missile | $25.00 | $25.00 | 10/11/2010 10:50:51 PM |
| mikeandcat | $100.00 | $100.00 | 10/12/2010 5:44:08 AM |
| credit-missile | $25.00 | $25.00 | 10/11/2010 10:51:13 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/11/2010 5:34:51 PM |
| supreme-hope | $25.00 | $25.00 | 10/11/2010 7:09:15 PM |
| minnesotafinancial | $25.00 | $25.00 | 10/12/2010 8:47:04 AM |
| alluring-yield5 | $25.00 | $25.00 | 10/12/2010 10:35:01 AM |
| credit-guard5 | $25.00 | $25.00 | 10/12/2010 11:09:48 AM |
| friendinmoney | $25.00 | $25.00 | 10/12/2010 1:12:40 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 10/12/2010 2:40:24 PM |
| 43 bids
|
Borrower Payment Dependent Notes Series
478223
This series of Notes was issued and sold upon the funding of the borrower loan #44920, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
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:
| $123.28 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $123.28 |
| |
|
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):
| 7 |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 7y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 1/ 2 |
Revolving credit balance:
| $9,483 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dedalus0122 |
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
Trying to close a bad credit card
Purpose of loan:
This loan will be used to close a credit card that dissed me. I had paid the card $1800 only to find that the card company dropped my credit limit by $800. Reasons given? A court ordered lien and high percentages on my cards. The former makes no sense, as I had paid the lien (past state taxes I didn't know I owned until the state billed me in Dec) in March and the lien was released in May. (Card lost credit limit in Sept.) The latter reason is even worse, as the high credit usage was alleviated that month across the board, and lowering the credit limit on this card just put me into the high credit usage area. There is a 6 month no interest charge that will come due at the end of Oct, so I would like to be able to pay off the card before that, saving $200 and further punishing the dissing card company.
Outside of that, any extra money will be put to buy tires for the car. (Two have gone flat in the past three months.) Any further extra will be put to pay down other cards.
My financial situation:
I am a good candidate for this loan because my job is secure, and well paying. I have a solid payment history and am working towards paying down all my credit.
Monthly net income: $4700
Monthly expenses: $ 4606
??Housing: $ 2215
??Insurance: $ 110
??Car expenses: $ 600
??Utilities: $ 361
??Phone, cable, internet: $ 145
??Food, entertainment: $ 700
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 375
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
sk8daddy44 has bid a total of
$55.00 in winning bids.
"dedalus0122 is a good friend and a coworker from my previous job. I have known him for about 10years and can vouch for him personally as a all around great guy who takes his finances seriously. I highly recommend bidding on dedalus0122, you'll be glad you did!"
friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| papaloha | $25.00 | $25.00 | 10/5/2010 2:54:11 PM |
| transaction-circuit | $50.00 | $50.00 | 10/5/2010 3:21:00 PM |
| sfmf | $25.00 | $25.00 | 10/5/2010 3:26:47 PM |
| diversification-maple1 | $25.00 | $25.00 | 10/6/2010 4:52:00 PM |
| scoobiedoo | $25.00 | $25.00 | 10/7/2010 1:00:39 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/7/2010 5:18:32 PM |
| labyrinth0 | $25.00 | $25.00 | 10/8/2010 9:18:15 PM |
| first-serene-credit | $100.00 | $100.00 | 10/9/2010 9:08:08 AM |
| realtormoises | $25.00 | $25.00 | 10/9/2010 11:09:47 AM |
| alexgalt | $100.00 | $100.00 | 10/11/2010 8:34:05 AM |
| bondhedger | $25.00 | $25.00 | 10/11/2010 12:42:49 PM |
| trumpeter5 | $50.00 | $50.00 | 10/11/2010 4:20:40 PM |
| cxl9 | $50.00 | $50.00 | 10/11/2010 8:38:12 PM |
| ralf206 | $25.00 | $25.00 | 10/11/2010 9:08:13 PM |
| Sudoku | $200.00 | $200.00 | 10/11/2010 9:34:55 PM |
| credit-missile | $25.00 | $25.00 | 10/11/2010 10:55:30 PM |
| glenium | $25.00 | $25.00 | 10/12/2010 3:49:26 AM |
| Starfin-Capital-Management | $200.00 | $200.00 | 10/12/2010 5:55:18 AM |
| credit-missile | $25.00 | $25.00 | 10/11/2010 10:55:14 PM |
| exchange-squirrel | $50.00 | $50.00 | 10/12/2010 12:53:54 AM |
| squarebob | $25.00 | $25.00 | 10/12/2010 6:21:10 AM |
| One_Lolo | $25.00 | $25.00 | 10/12/2010 2:41:03 AM |
| elated-greenback | $50.00 | $50.00 | 10/12/2010 8:01:05 AM |
| AM2008 | $25.00 | $25.00 | 10/11/2010 4:43:27 PM |
| squarebob | $25.00 | $25.00 | 10/12/2010 6:20:49 AM |
| NickRac | $45.00 | $45.00 | 10/12/2010 8:49:03 AM |
| FinanceEngine | $25.00 | $25.00 | 10/12/2010 7:09:46 AM |
| HammerSmith | $25.00 | $25.00 | 10/11/2010 6:34:20 PM |
| wwwUniversal | $25.00 | $25.00 | 10/12/2010 9:22:58 AM |
| thebadpelican | $25.00 | $25.00 | 10/12/2010 10:06:08 AM |
| alluring-yield5 | $25.00 | $25.00 | 10/12/2010 10:35:31 AM |
| forthright-trade | $25.00 | $25.00 | 10/12/2010 10:13:24 AM |
| druidpoet | $26.00 | $26.00 | 10/12/2010 10:43:51 AM |
| BrLender | $25.00 | $25.00 | 10/12/2010 10:27:21 AM |
| jonnysixgun | $38.47 | $38.47 | 10/12/2010 12:35:13 PM |
| yu-rik | $50.00 | $50.00 | 10/12/2010 2:34:51 PM |
| SAR-2 | $25.00 | $25.00 | 10/12/2010 1:36:42 PM |
| fantastic-deal5 | $76.69 | $76.69 | 10/12/2010 2:05:04 PM |
| willinvest | $25.00 | $25.00 | 10/12/2010 2:36:28 PM |
| tech310 | $50.00 | $50.00 | 10/5/2010 3:20:36 PM |
| handshake5 | $100.00 | $100.00 | 10/5/2010 3:22:21 PM |
| bid-czar8 | $25.00 | $25.00 | 10/5/2010 3:22:45 PM |
| agiovasil | $25.00 | $21.84 | 10/5/2010 3:24:16 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/5/2010 3:23:38 PM |
| loan-adventurer7 | $36.00 | $36.00 | 10/6/2010 2:58:41 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 8:53:50 AM |
| JoeDuck | $100.00 | $100.00 | 10/7/2010 12:41:33 PM |
| exchange-squirrel | $25.00 | $25.00 | 10/9/2010 4:07:48 AM |
| what_goes_around | $50.00 | $50.00 | 10/10/2010 12:57:02 PM |
| sk8daddy44 | $55.00 | $55.00 | 10/11/2010 8:32:58 AM |
| Bob450 | $25.00 | $25.00 | 10/11/2010 10:26:34 AM |
| Kash2010lu | $25.00 | $25.00 | 10/11/2010 9:09:03 AM |
| beach_bum | $25.00 | $25.00 | 10/11/2010 3:06:59 PM |
| patriot384 | $120.00 | $120.00 | 10/11/2010 12:38:18 PM |
| loan-mammal | $25.00 | $25.00 | 10/11/2010 3:14:09 PM |
| neptuno | $25.00 | $25.00 | 10/11/2010 9:51:30 PM |
| Joshua_E | $25.00 | $25.00 | 10/12/2010 12:01:17 AM |
| jybank | $25.00 | $25.00 | 10/11/2010 9:58:31 PM |
| Starfin-Capital-Management | $100.00 | $100.00 | 10/12/2010 5:55:42 AM |
| cash-spark3 | $50.00 | $50.00 | 10/12/2010 6:42:49 AM |
| martymaniaman | $25.00 | $25.00 | 10/12/2010 6:08:09 AM |
| squarebob | $25.00 | $25.00 | 10/12/2010 6:20:31 AM |
| klemer | $25.00 | $25.00 | 10/12/2010 7:10:11 AM |
| grampy48 | $25.00 | $25.00 | 10/12/2010 8:54:58 AM |
| credit-missile | $25.00 | $25.00 | 10/11/2010 10:54:58 PM |
| lucrative-coin | $50.00 | $50.00 | 10/12/2010 9:21:57 AM |
| contract-high-five | $25.00 | $25.00 | 10/12/2010 10:00:50 AM |
| 2grindstones | $26.00 | $26.00 | 10/12/2010 10:03:30 AM |
| mckhbnpc | $30.00 | $30.00 | 10/12/2010 12:10:18 PM |
| Astyanax | $75.00 | $75.00 | 10/12/2010 12:54:47 PM |
| 70 bids
|
Borrower Payment Dependent Notes Series
478409
This series of Notes was issued and sold upon the funding of the borrower loan #44926, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% |
Auction start date:
| Oct-06-2010 |
| |
Auction end date:
| Oct-13-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 34.63% |
Final monthly payment:
| $86.00 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 25.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 600-619 (Oct-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 11
/
10 | Length of status: | 25y 9m |
|
Amount delinquent:
| $18,652 |
Total credit lines:
| 40 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,243 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| stjresources |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 28 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(May-2010)
600-619
(Apr-2010)
600-619
(May-2008)
600-619
(Apr-2008)
|
|
Principal balance:
| $0.16 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Pay off credit cards
Purpose of loan:
This loan will be used to? pay off my high interest rate credit cards and improve my overall credit scores. Paying off the cards will?free up funds to catch up on and remain current with my mortgage and?gas and electric bill. The BGE 'easy monthly budget' billing has increased to?463.00 each month.?I am working with my mortgage company to get a lower monthly payment and rate;?in return, they are requesting full mortgage payments on the first day of every month, no grace period. I have also made arrangements to pay off another high rate loan (HFC) in the amount of 300.00 per month.???
My financial situation:
I am a good candidate for this loan because? I have paid off a Prosper laon in the amount of 2500.00 over a 3 year period. That frees up 96.00 to pay on a new loan and on the credit cards.
Monthly net income: $
5730.00
Monthly expenses: $
??Housing: $2077.00
??Insurance: $ 150.00 each month for 4 months, then I get 2 grace months.
??Car expenses: $ 140.00 gas
??Utilities: $ 463.00 plus 35.00 every 3 months for water bill.
??Phone, cable, internet: $ 361.00
??Food, entertainment: $ 210.00
??Clothing, household expenses $ 100.00?
??Credit cards and other loans: $ 170.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
hi what is your profession/job/industry? thanks - shrewd-income
A:
I am a federal government employee.
(Oct-12-2010)
Q:
Can you clarify the 2 delinquencies for over $18,000? - AlexTrep
A:
In January, I applied for a deferment on my student loans with Sallie Mae. It took Sallie Mae six months to approve the deferment. I also applied for a refinance on my mortgage. My house lost 55.000 in value. My mortgage company kept ignoring my requests. I was sending them 3-4000.00 each month, but they listed me as delinquent. I finally asked them why they were not being responsive and copied the Consumer Protection Division. The mortgage company is now working with me on a refinance.
(Oct-13-2010)
Q:
What are the delinquencies listed on your credit report? What is their status? - neorunner
A:
In January, I applied for a deferment on my student loans with Sallie Mae. It took Sallie Mae six months to approve the deferment. I also applied for a refinance on my mortgage under the government programs. My mortgage company kept ignoring my requests, even though I was sending them 3-4000 each month, I was listed delinquent. I finally asked them why they were not being responsive and copied the Consumer Protection Division. The mortgage company is now working with me on a refinance.
(Oct-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| blitzen40 | $50.00 | $50.00 | 10/6/2010 7:35:26 PM |
| amor1962 | $25.00 | $25.00 | 10/9/2010 8:26:58 PM |
| realtormoises | $25.00 | $25.00 | 10/11/2010 2:05:29 PM |
| illinois_joe | $34.30 | $34.30 | 10/11/2010 6:01:58 PM |
| MStax | $59.43 | $59.43 | 10/12/2010 7:20:37 AM |
| zydeco337 | $25.00 | $25.00 | 10/12/2010 6:33:13 AM |
| red-favorable-basis | $25.00 | $25.00 | 10/13/2010 12:03:49 AM |
| Jinja | $30.00 | $30.00 | 10/13/2010 5:01:23 AM |
| mrxtravis | $35.36 | $35.36 | 10/13/2010 1:40:24 AM |
| courteous-note1 | $25.00 | $25.00 | 10/13/2010 4:24:20 AM |
| Leshan | $200.00 | $200.00 | 10/13/2010 7:39:23 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 10/13/2010 7:57:11 AM |
| atomantic | $50.00 | $50.00 | 10/13/2010 10:14:29 AM |
| DasMula | $25.00 | $25.00 | 10/13/2010 8:04:52 AM |
| grampy48 | $25.00 | $25.00 | 10/13/2010 11:54:09 AM |
| mikeandcat | $50.00 | $50.00 | 10/13/2010 12:10:23 PM |
| Grandmahoneybee | $25.00 | $25.00 | 10/13/2010 11:49:32 AM |
| head | $25.00 | $25.00 | 10/13/2010 1:51:05 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/13/2010 2:13:12 PM |
| revenue-appraiser | $25.00 | $25.00 | 10/13/2010 2:20:15 PM |
| Lubava | $25.00 | $25.00 | 10/13/2010 11:29:26 AM |
| Flying_Tilapia | $25.00 | $25.00 | 10/13/2010 11:46:33 AM |
| papaloha | $200.00 | $91.22 | 10/13/2010 2:18:30 PM |
| atlas100 | $100.00 | $100.00 | 10/6/2010 7:48:35 PM |
| CommunityArts_Non-profit | $35.00 | $35.00 | 10/8/2010 9:36:16 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/10/2010 5:29:06 PM |
| LeverageLender | $25.00 | $25.00 | 10/11/2010 4:04:12 PM |
| supreme-hope | $25.00 | $25.00 | 10/11/2010 7:14:16 PM |
| contract-high-five | $25.00 | $25.00 | 10/12/2010 10:22:54 AM |
| CommunityArts_Non-profit | $200.00 | $200.00 | 10/12/2010 3:38:47 PM |
| quicksilver70 | $25.00 | $25.00 | 10/12/2010 5:09:27 PM |
| Moe87 | $25.00 | $25.00 | 10/12/2010 5:21:58 PM |
| ronin4sale | $25.00 | $25.00 | 10/13/2010 6:52:59 AM |
| Feyenoord | $25.00 | $25.00 | 10/13/2010 7:35:41 AM |
| dcm6276 | $25.00 | $25.00 | 10/13/2010 6:27:30 AM |
| Mikale360 | $25.00 | $25.00 | 10/13/2010 7:06:27 AM |
| Silverling6 | $25.00 | $25.00 | 10/13/2010 8:04:34 AM |
| TakeCare | $40.00 | $40.00 | 10/13/2010 10:52:42 AM |
| Bob450 | $25.00 | $25.00 | 10/13/2010 11:47:21 AM |
| social-zebra | $25.00 | $25.00 | 10/13/2010 1:28:06 PM |
| thisbucksforu | $25.00 | $25.00 | 10/13/2010 2:22:33 PM |
| vmh20035 | $30.00 | $30.00 | 10/13/2010 11:32:05 AM |
| minnesotafinancial | $25.00 | $25.00 | 10/13/2010 11:47:09 AM |
| five-star-note | $150.00 | $150.00 | 10/13/2010 12:26:09 PM |
| MStax | $44.69 | $44.69 | 10/13/2010 12:38:32 PM |
| penny-plato | $25.00 | $25.00 | 10/13/2010 12:47:33 PM |
| PunjabBank | $25.00 | $25.00 | 10/13/2010 2:19:35 PM |
| loanermn | $25.00 | $25.00 | 10/13/2010 2:20:06 PM |
| 48 bids
|
Borrower Payment Dependent Notes Series
478429
This series of Notes was issued and sold upon the funding of the borrower loan #44923, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-08-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $82.19 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $82.19 |
| |
|
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):
| 7 |
First credit line:
| Dec-2005 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,437 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fulfilling-camaraderi4 |
Borrower's state:
| NorthCarolina |
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.
Description
Home Based Business Startup!
Purpose of loan:
This loan will be used to get my home based business started up. It will mostly be used for advertising purposes.
My financial situation:
I am a good candidate for this loan because I am joing a business that is very successful. It is proven to create great profits in a very short period of time. I am a very motivated person and I'm determined to become sucessful and help others do the same!
Monthly net income: $ 1600
Monthly expenses: $ 1035
??Housing: $ 300
??Insurance: $ 60
??Car expenses: $ 285
??Utilities: $??80
? Phone, cable, internet: $ 60
??Food, entertainment: $?100
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 50
??Other expenses: $ 80
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ingenious-deal6 | $25.00 | $25.00 | 10/8/2010 3:21:24 PM |
| handshake5 | $100.00 | $100.00 | 10/8/2010 3:24:56 PM |
| bid-czar8 | $25.00 | $25.00 | 10/8/2010 3:25:10 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/8/2010 3:27:55 PM |
| papaloha | $25.00 | $25.00 | 10/8/2010 3:22:11 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/8/2010 3:31:39 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 3:28:58 PM |
| beakerfish | $50.00 | $50.00 | 10/8/2010 6:41:23 PM |
| Moneypenny6 | $25.00 | $25.00 | 10/9/2010 6:37:41 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/9/2010 12:30:38 PM |
| srthsvghdthtr | $25.00 | $25.00 | 10/10/2010 7:13:52 PM |
| EngineersAlliance | $150.00 | $150.00 | 10/10/2010 7:07:54 PM |
| DHolly | $25.00 | $25.00 | 10/11/2010 7:31:21 PM |
| drmoney11 | $25.00 | $25.00 | 10/11/2010 9:10:38 PM |
| healingangel22 | $25.00 | $25.00 | 10/12/2010 7:37:40 AM |
| dws2380 | $25.00 | $25.00 | 10/12/2010 2:59:54 PM |
| AlexTrep | $50.00 | $50.00 | 10/8/2010 3:21:33 PM |
| transaction-circuit | $50.00 | $50.00 | 10/8/2010 3:21:12 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/8/2010 3:31:02 PM |
| ethicalhumanist | $25.00 | $25.00 | 10/8/2010 3:22:34 PM |
| tech310 | $50.00 | $50.00 | 10/8/2010 3:26:58 PM |
| hookUup | $25.00 | $25.00 | 10/8/2010 3:27:36 PM |
| w3alter | $50.00 | $50.00 | 10/8/2010 8:42:53 PM |
| mercuriant | $25.00 | $25.00 | 10/8/2010 8:49:07 PM |
| FinDoc | $25.00 | $25.00 | 10/9/2010 2:31:28 AM |
| platinum-hunter7 | $25.00 | $25.00 | 10/9/2010 5:35:58 AM |
| soulful-truth | $1,000.00 | $775.00 | 10/9/2010 8:18:59 PM |
| Rogelio48 | $35.00 | $35.00 | 10/10/2010 7:07:49 PM |
| vine99 | $40.00 | $40.00 | 10/10/2010 5:55:42 PM |
| BrLender | $25.00 | $25.00 | 10/12/2010 10:27:25 AM |
| preventivepestcontrol | $50.00 | $50.00 | 10/12/2010 11:17:14 AM |
| boo_hoo | $50.00 | $50.00 | 10/12/2010 4:10:09 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
478727
This series of Notes was issued and sold upon the funding of the borrower loan #44934, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-08-2010 |
| |
Auction end date:
| Oct-11-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 33.56% |
Starting monthly payment:
| $41.09 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 33.56% |
Final monthly payment:
| $41.09 |
| |
|
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):
| 7 |
First credit line:
| Apr-2007 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,106 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| pragmatist786 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a car from a friend
I will be using this loan to buy a vehicle from a friend.? We have come to an agreement that he will sell the vehicle to me for $1750. I have $900 that I will be putting on top of the loan to cover the extra cost. I have been working overtime and I will pay this loan off in a timely manner. Also,?from the help of selling my other vehicle it should help greatly in the repayment process.
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 fixed monthly income and expenses? - beakerfish
A:
My monthly income averages around $1800 before taxes and my monthly expenses are usually anywhere from 650-700 total.
(Oct-09-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IPG1 | $25.00 | $25.00 | 10/8/2010 3:19:15 PM |
| papaloha | $25.00 | $25.00 | 10/8/2010 3:22:19 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/8/2010 3:26:23 PM |
| tech310 | $50.00 | $50.00 | 10/8/2010 3:27:10 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/8/2010 3:27:47 PM |
| daekpon | $25.00 | $25.00 | 10/8/2010 4:48:21 PM |
| hookUup | $25.00 | $25.00 | 10/8/2010 3:27:38 PM |
| The_Secret | $25.00 | $25.00 | 10/8/2010 7:23:05 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/8/2010 4:47:58 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/8/2010 5:25:06 PM |
| dt_one | $25.00 | $25.00 | 10/9/2010 2:34:36 AM |
| verdiprr | $100.00 | $100.00 | 10/9/2010 8:09:35 AM |
| wwwUniversal | $25.00 | $25.00 | 10/9/2010 12:12:45 PM |
| vine99 | $40.00 | $40.00 | 10/10/2010 5:54:43 PM |
| transaction-circuit | $50.00 | $50.00 | 10/8/2010 3:21:15 PM |
| bid-czar8 | $25.00 | $25.00 | 10/8/2010 3:25:18 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 3:29:03 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/8/2010 3:31:41 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/8/2010 3:31:16 PM |
| mercuriant | $25.00 | $25.00 | 10/8/2010 3:32:24 PM |
| handshake5 | $100.00 | $100.00 | 10/8/2010 3:25:06 PM |
| crab-e-bill | $25.00 | $25.00 | 10/8/2010 7:05:23 PM |
| Artist_Blue | $25.00 | $25.00 | 10/9/2010 2:18:31 AM |
| w3alter | $50.00 | $50.00 | 10/8/2010 8:42:46 PM |
| platinum-hunter7 | $25.00 | $25.00 | 10/9/2010 5:23:07 AM |
| lloyd_s | $25.00 | $25.00 | 10/9/2010 3:02:45 AM |
| dedicated-diversification5 | $100.00 | $10.00 | 10/9/2010 1:33:16 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/9/2010 12:09:56 PM |
| mickeyroi | $25.00 | $25.00 | 10/9/2010 1:33:14 PM |
| 29 bids
|
Borrower Payment Dependent Notes Series
479091
This series of Notes was issued and sold upon the funding of the borrower loan #44935, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.25% |
Auction start date:
| Oct-12-2010 |
| |
Auction end date:
| Oct-19-2010 |
|
|
Starting lender yield:
| 9.80% |
Starting borrower rate/APR:
| 10.80% / 12.92% |
Starting monthly payment:
| $261.15 |
|
Final lender yield:
| 9.80% |
Final borrower rate/APR:
| 10.80% / 12.92% |
Final monthly payment:
| $261.15 |
| |
|
Auction yield range:
| 3.71% - 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:
| Jul-1992 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 18y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,250 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| halo566 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jan-2010)
|
|
Principal balance:
| $6,409.15 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off higher interest credit cards. I am gradually moving my unsecured high interest credit card debt to Prosper fixed closed-end loans.
My financial situation:
I am a good candidate for this loan because I have excellent reliable income with stable job in the medical industry. My debt/income ratio is 14% so I have excellent cash flow to pay off loan. I will not be increasing my debt load as I will use the Prosper loan to pay down other credit card high interest debt. My existing loan with Prosper is current with no missed or late payments. Please consider funding this high quality loan request. Thank you!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rescue | $100.00 | $100.00 | 10/12/2010 9:44:53 AM |
| generous-deal6 | $50.00 | $50.00 | 10/12/2010 9:52:53 AM |
| radforj22 | $25.00 | $25.00 | 10/12/2010 9:46:35 AM |
| authentic-liberty7 | $25.00 | $25.00 | 10/12/2010 9:50:32 AM |
| meenan | $25.00 | $25.00 | 10/12/2010 9:51:18 AM |
| ogmanny | $50.00 | $50.00 | 10/12/2010 10:00:20 AM |
| bowdish1 | $50.00 | $50.00 | 10/12/2010 10:02:14 AM |
| bountiful-durability | $100.00 | $100.00 | 10/12/2010 9:57:00 AM |
| greentomato | $25.00 | $25.00 | 10/12/2010 10:04:32 AM |
| WSTRDG | $50.00 | $50.00 | 10/12/2010 10:10:21 AM |
| alpinaut | $25.00 | $25.00 | 10/12/2010 10:12:41 AM |
| mjunlimited | $50.00 | $50.00 | 10/12/2010 10:15:16 AM |
| enthusiastic-balance5 | $100.00 | $100.00 | 10/12/2010 10:16:50 AM |
| crenen139 | $25.00 | $25.00 | 10/12/2010 10:31:25 AM |
| greenback-bull6 | $50.00 | $50.00 | 10/12/2010 10:19:55 AM |
| Beeeej | $25.00 | $25.00 | 10/12/2010 10:27:11 AM |
| tranquil-return4 | $25.00 | $25.00 | 10/12/2010 1:43:00 PM |
| Interstate_Rate | $100.00 | $100.00 | 10/12/2010 1:14:45 PM |
| platinum-hunter7 | $25.00 | $25.00 | 10/12/2010 1:38:36 PM |
| MadHun | $75.00 | $75.00 | 10/12/2010 4:13:13 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/12/2010 4:22:22 PM |
| MoonMama | $25.00 | $25.00 | 10/12/2010 5:42:49 PM |
| bid-czar8 | $50.00 | $50.00 | 10/13/2010 2:57:52 AM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/13/2010 1:21:47 AM |
| careful-currency5 | $41.07 | $41.07 | 10/13/2010 10:48:23 AM |
| asset-equilibrium0 | $50.00 | $50.00 | 10/13/2010 12:28:23 PM |
| handshake5 | $100.00 | $100.00 | 10/13/2010 9:50:16 AM |
| tomdooley12520 | $75.00 | $75.00 | 10/13/2010 1:41:49 PM |
| SelectTrustLending | $25.00 | $25.00 | 10/13/2010 2:28:28 PM |
| williemc44 | $50.00 | $50.00 | 10/13/2010 7:39:31 PM |
| taurusco | $50.00 | $50.00 | 10/13/2010 4:53:05 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/14/2010 11:07:42 AM |
| larrybird | $150.00 | $150.00 | 10/14/2010 1:22:54 PM |
| maldok1 | $25.00 | $25.00 | 10/14/2010 1:13:13 PM |
| herbyman | $41.60 | $41.60 | 10/15/2010 1:07:38 AM |
| ray1051 | $25.00 | $25.00 | 10/15/2010 6:30:53 AM |
| well-mannered-basis1 | $50.00 | $50.00 | 10/15/2010 7:17:01 AM |
| green-planet-guy | $31.00 | $31.00 | 10/15/2010 5:44:34 PM |
| wdworld | $50.00 | $50.00 | 10/15/2010 10:10:07 PM |
| heroic-hope5 | $50.00 | $50.00 | 10/16/2010 7:15:14 AM |
| nunnie | $25.00 | $25.00 | 10/16/2010 10:13:27 AM |
| McRowdy | $50.00 | $50.00 | 10/16/2010 11:23:08 AM |
| principal-bull | $25.00 | $25.00 | 10/16/2010 6:46:34 AM |
| Investoman | $25.00 | $25.00 | 10/16/2010 7:13:52 AM |
| thankful-nickel2 | $25.00 | $25.00 | 10/16/2010 11:44:58 AM |
| ethicalhumanist | $50.00 | $50.00 | 10/16/2010 3:18:27 PM |
| special-currency6 | $50.00 | $50.00 | 10/17/2010 8:53:13 AM |
| schpere | $200.00 | $200.00 | 10/17/2010 8:49:29 AM |
| Jassi | $25.00 | $25.00 | 10/17/2010 4:36:09 PM |
| Marathoner | $25.00 | $25.00 | 10/17/2010 8:28:05 PM |
| techvet | $50.00 | $50.00 | 10/17/2010 3:31:38 PM |
| dedicated-bid1 | $25.00 | $25.00 | 10/17/2010 3:47:43 PM |
| agiovasil | $25.00 | $25.00 | 10/17/2010 8:07:49 PM |
| mathomas3 | $50.00 | $50.00 | 10/18/2010 3:13:40 AM |
| Jinja | $25.00 | $25.00 | 10/18/2010 4:08:46 AM |
| triumph329 | $50.00 | $50.00 | 10/18/2010 6:32:29 AM |
| brother_tam | $36.02 | $36.02 | 10/18/2010 4:08:17 AM |
| auction-sage | $50.00 | $50.00 | 10/18/2010 5:47:55 AM |
| Bcs-cnc | $50.00 | $50.00 | 10/18/2010 6:51:24 AM |
| Ocean713 | $50.00 | $50.00 | 10/18/2010 7:13:03 AM |
| honorable-yield | $35.00 | $35.00 | 10/18/2010 7:13:53 AM |
| lostviajero | $25.00 | $25.00 | 10/18/2010 9:24:08 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/18/2010 10:52:13 AM |
| p2p-eagle9 | $50.00 | $50.00 | 10/18/2010 11:58:12 AM |
| Astyanax | $150.00 | $150.00 | 10/18/2010 2:08:09 PM |
| FundMaker | $25.00 | $25.00 | 10/18/2010 11:51:44 AM |
| justinology | $50.00 | $50.00 | 10/18/2010 1:08:25 PM |
| diverse-transparency | $25.00 | $25.00 | 10/18/2010 3:28:40 PM |
| hope-hickory | $25.00 | $25.00 | 10/18/2010 6:08:46 PM |
| relierma | $25.00 | $25.00 | 10/18/2010 6:50:55 PM |
| philantist | $25.00 | $25.00 | 10/18/2010 8:39:25 PM |
| friendinmoney | $25.00 | $25.00 | 10/19/2010 8:26:53 AM |
| Weaverville | $50.00 | $50.00 | 10/12/2010 9:47:24 AM |
| Gabriel02 | $25.00 | $25.00 | 10/12/2010 9:48:06 AM |
| papaloha | $100.00 | $100.00 | 10/12/2010 9:49:36 AM |
| studious-bonus7 | $100.00 | $100.00 | 10/12/2010 9:57:47 AM |
| DRA-Properties | $25.00 | $25.00 | 10/12/2010 9:57:17 AM |
| kmr2 | $200.00 | $200.00 | 10/12/2010 10:00:50 AM |
| objective-investor | $100.00 | $100.00 | 10/12/2010 10:01:39 AM |
| JohnGalt79 | $100.00 | $100.00 | 10/12/2010 10:01:53 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/12/2010 10:03:20 AM |
| ichibon | $150.00 | $150.00 | 10/12/2010 10:03:40 AM |
| tntmojave | $25.00 | $25.00 | 10/12/2010 10:04:08 AM |
| bambampk | $25.00 | $25.00 | 10/12/2010 10:07:01 AM |
| jazzlender | $25.00 | $25.00 | 10/12/2010 9:58:24 AM |
| 6moonbeams | $200.00 | $200.00 | 10/12/2010 10:09:59 AM |
| jdwillcox | $50.00 | $50.00 | 10/12/2010 9:59:54 AM |
| fairness-kayak | $25.00 | $25.00 | 10/12/2010 10:13:23 AM |
| escharfer | $25.00 | $25.00 | 10/12/2010 10:03:01 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/12/2010 10:18:09 AM |
| jigsaw | $100.00 | $100.00 | 10/12/2010 10:26:21 AM |
| loan-mammal | $25.00 | $25.00 | 10/12/2010 10:18:24 AM |
| payout-achievement | $100.00 | $100.00 | 10/12/2010 10:19:15 AM |
| murph0025 | $40.00 | $40.00 | 10/12/2010 10:08:17 AM |
| delicious-social132 | $50.00 | $50.00 | 10/12/2010 10:08:39 AM |
| jeg3k | $50.00 | $50.00 | 10/12/2010 10:28:23 AM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/12/2010 10:47:51 AM |
| itnAAnti | $25.00 | $25.00 | 10/12/2010 10:15:09 AM |
| RandyL3 | $25.00 | $25.00 | 10/12/2010 10:28:55 AM |
| mla | $25.00 | $25.00 | 10/12/2010 1:42:57 PM |
| forthright-dedication | $50.00 | $50.00 | 10/12/2010 3:53:44 PM |
| worthy-bid8 | $50.00 | $50.00 | 10/12/2010 5:17:47 PM |
| penny-plato | $100.00 | $100.00 | 10/12/2010 5:34:24 PM |
| cpbreton | $25.00 | $25.00 | 10/13/2010 9:40:17 AM |
| selector568 | $400.00 | $400.00 | 10/13/2010 9:43:13 AM |
| efficient-treasure0 | $25.00 | $25.00 | 10/13/2010 10:17:42 AM |
| chemistry220 | $50.00 | $50.00 | 10/13/2010 10:17:55 AM |
| magnificent-income7 | $50.00 | $50.00 | 10/13/2010 8:58:55 AM |
| shmb6508 | $100.00 | $100.00 | 10/13/2010 10:17:59 AM |
| TakeCare | $80.00 | $80.00 | 10/13/2010 10:54:18 AM |
| a-finance-nirvana | $25.00 | $25.00 | 10/13/2010 2:13:02 PM |
| DDPrime | $100.00 | $100.00 | 10/13/2010 3:17:39 PM |
| jamiee73 | $25.00 | $25.00 | 10/14/2010 6:08:38 AM |
| Sevron | $100.00 | $100.00 | 10/14/2010 10:28:02 AM |
| GElender | $50.00 | $50.00 | 10/14/2010 7:54:58 AM |
| enthralling-deal180 | $50.00 | $50.00 | 10/14/2010 2:35:20 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/14/2010 3:09:05 PM |
| squarebob | $25.00 | $25.00 | 10/14/2010 6:43:59 PM |
| organized-payment6 | $50.00 | $50.00 | 10/15/2010 6:39:03 AM |
| heerzaquestion | $25.00 | $25.00 | 10/15/2010 7:31:37 AM |
| integrityisnumone | $25.00 | $25.00 | 10/15/2010 10:20:26 AM |
| rmpedi33 | $75.00 | $75.00 | 10/15/2010 1:38:20 PM |
| lavendergirl | $25.00 | $25.00 | 10/15/2010 1:19:40 PM |
| graceful-investment | $100.00 | $100.00 | 10/15/2010 4:17:50 PM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/16/2010 4:44:02 AM |
| cello1 | $25.00 | $25.00 | 10/16/2010 10:58:02 AM |
| lean-integrity9 | $100.00 | $100.00 | 10/16/2010 7:24:28 PM |
| supersarah61 | $25.00 | $25.00 | 10/17/2010 5:35:11 PM |
| spiff666 | $25.00 | $25.00 | 10/17/2010 11:35:45 AM |
| KWarrior | $25.00 | $25.00 | 10/17/2010 5:59:12 PM |
| wings2fly | $25.00 | $25.00 | 10/18/2010 4:13:09 AM |
| j2ee | $25.00 | $25.00 | 10/18/2010 7:02:51 AM |
| grue | $50.00 | $50.00 | 10/18/2010 7:24:39 AM |
| excellent-nickel | $50.00 | $5.94 | 10/18/2010 8:30:49 AM |
| helping-out | $100.00 | $100.00 | 10/18/2010 8:30:23 AM |
| Sven79 | $150.00 | $150.00 | 10/18/2010 10:14:16 AM |
| wwwUniversal | $25.00 | $25.00 | 10/18/2010 9:44:46 AM |
| lively-exchange | $26.14 | $26.14 | 10/18/2010 10:14:23 AM |
| JeramyU | $25.00 | $25.00 | 10/18/2010 10:17:18 AM |
| lion445 | $25.00 | $25.00 | 10/18/2010 12:16:28 PM |
| little_brother1 | $25.00 | $25.00 | 10/18/2010 3:05:38 PM |
| Interloper | $28.23 | $28.23 | 10/18/2010 4:47:57 PM |
| Simply2fly | $25.00 | $25.00 | 10/18/2010 5:42:56 PM |
| TakeCare | $60.00 | $60.00 | 10/18/2010 7:56:15 PM |
| Roundhouse | $100.00 | $100.00 | 10/18/2010 7:53:29 PM |
| MathProfessor | $25.00 | $25.00 | 10/18/2010 8:41:59 PM |
| availableloan | $25.00 | $25.00 | 10/18/2010 10:26:21 PM |
| pja138 | $50.00 | $50.00 | 10/18/2010 9:46:28 PM |
| midifool | $25.00 | $25.00 | 10/19/2010 3:01:04 AM |
| Johnab | $25.00 | $25.00 | 10/19/2010 4:20:42 AM |
| social-lending | $100.00 | $100.00 | 10/19/2010 8:30:40 AM |
| 151 bids
|
Borrower Payment Dependent Notes Series
479675
This series of Notes was issued and sold upon the funding of the borrower loan #44938, 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:
| 1.55% |
Auction start date:
| Oct-13-2010 |
| |
Auction end date:
| Oct-20-2010 |
|
|
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:
| Jul-1998 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 860-879 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,505 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| agile-marketplace1 |
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
HD Motorcycle
Purpose of loan:
This loan will be used to buy my dream motorcycle HD Road King
My financial situation:
I am a good candidate for this loan because I continually pay my obligations on time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| alpinaut | $30.00 | $30.00 | 10/13/2010 2:42:54 PM |
| Vreet | $50.00 | $50.00 | 10/13/2010 2:43:14 PM |
| exact-gold2 | $25.00 | $25.00 | 10/13/2010 2:44:17 PM |
| life-is-great | $50.00 | $50.00 | 10/13/2010 2:44:54 PM |
| radforj22 | $50.00 | $50.00 | 10/13/2010 2:45:02 PM |
| E_G | $50.00 | $50.00 | 10/13/2010 2:46:27 PM |
| Veridic | $25.00 | $25.00 | 10/13/2010 2:44:51 PM |
| platinum-hunter7 | $50.00 | $50.00 | 10/13/2010 2:45:00 PM |
| orange-influential-credit | $225.00 | $225.00 | 10/13/2010 2:47:13 PM |
| Duchdad | $25.00 | $25.00 | 10/13/2010 2:47:51 PM |
| fishtale | $25.00 | $25.00 | 10/13/2010 2:48:07 PM |
| MarinLoans | $25.00 | $25.00 | 10/13/2010 2:56:08 PM |
| beaker | $25.00 | $25.00 | 10/13/2010 2:59:54 PM |
| ericgassercom | $50.00 | $50.00 | 10/13/2010 2:45:10 PM |
| mjunlimited | $50.00 | $50.00 | 10/13/2010 2:45:23 PM |
| tntmojave | $25.00 | $25.00 | 10/13/2010 2:45:33 PM |
| ichibon | $150.00 | $150.00 | 10/13/2010 2:45:49 PM |
| Marathoner | $25.00 | $25.00 | 10/13/2010 2:45:53 PM |
| eyal0 | $50.00 | $50.00 | 10/13/2010 2:46:22 PM |
| MJDAE | $50.00 | $50.00 | 10/13/2010 2:46:34 PM |
| worthy-bid8 | $100.00 | $100.00 | 10/13/2010 2:46:40 PM |
| Castellan | $50.00 | $50.00 | 10/13/2010 2:46:54 PM |
| andyb9 | $50.00 | $50.00 | 10/13/2010 2:47:34 PM |
| ThomasC | $50.00 | $50.00 | 10/13/2010 2:48:17 PM |
| mistertao | $25.00 | $25.00 | 10/13/2010 2:48:29 PM |
| CleeClee | $100.00 | $100.00 | 10/13/2010 2:48:39 PM |
| RandyL3 | $25.00 | $25.00 | 10/13/2010 2:56:19 PM |
| generous-deal6 | $25.00 | $25.00 | 10/13/2010 2:58:05 PM |
| Bank_Of_XL | $25.00 | $25.00 | 10/13/2010 7:51:10 PM |
| TakeCare | $100.00 | $100.00 | 10/13/2010 3:06:03 PM |
| Rysterola82 | $25.00 | $25.00 | 10/13/2010 7:53:35 PM |
| shorthairedg | $25.60 | $25.60 | 10/13/2010 11:34:56 PM |
| DeltaGambler | $25.00 | $25.00 | 10/13/2010 11:43:49 PM |
| SF2Berlin | $25.00 | $25.00 | 10/13/2010 11:23:43 PM |
| engaging-worth | $25.00 | $25.00 | 10/14/2010 9:09:42 AM |
| magnificent-income7 | $50.00 | $50.00 | 10/14/2010 6:13:08 AM |
| jtrue71 | $25.00 | $25.00 | 10/14/2010 9:36:12 AM |
| pwkpwk | $25.00 | $25.00 | 10/14/2010 9:37:17 AM |
| anyoi | $50.00 | $50.00 | 10/14/2010 9:50:35 AM |
| forthright-dedication | $25.00 | $25.00 | 10/14/2010 1:13:30 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/14/2010 7:02:45 PM |
| Go_Ducks | $25.00 | $25.00 | 10/15/2010 1:58:26 AM |
| squarebob | $50.00 | $50.00 | 10/14/2010 6:27:14 PM |
| squarebob | $50.00 | $50.00 | 10/14/2010 6:27:37 PM |
| organized-payment6 | $50.00 | $50.00 | 10/15/2010 6:39:13 AM |
| bobemilman | $50.00 | $50.00 | 10/15/2010 8:03:53 AM |
| greenbacchus | $25.00 | $25.00 | 10/15/2010 7:07:05 AM |
| red-unequivocal-finance | $25.00 | $25.00 | 10/15/2010 9:12:15 AM |
| seanambrose | $25.00 | $25.00 | 10/15/2010 1:58:48 PM |
| money-bauble | $100.00 | $100.00 | 10/15/2010 11:21:14 AM |
| ADenny | $25.00 | $25.00 | 10/15/2010 9:37:58 PM |
| saysana | $25.00 | $25.00 | 10/15/2010 5:30:02 PM |
| moneyfriend | $26.15 | $26.15 | 10/16/2010 2:09:53 AM |
| chemistry220 | $50.00 | $50.00 | 10/15/2010 10:27:05 PM |
| gojackgo | $50.00 | $50.00 | 10/16/2010 6:27:58 AM |
| silver-armada | $50.00 | $50.00 | 10/16/2010 7:47:56 AM |
| efficient-treasure0 | $25.00 | $25.00 | 10/16/2010 12:44:37 PM |
| lean-integrity9 | $100.00 | $100.00 | 10/16/2010 7:24:14 PM |
| rosie777 | $30.00 | $30.00 | 10/16/2010 11:27:59 AM |
| mac415 | $25.00 | $25.00 | 10/16/2010 2:44:25 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/16/2010 3:28:29 PM |
| Supernick | $50.00 | $50.00 | 10/16/2010 10:13:20 PM |
| capital-star5 | $25.25 | $25.25 | 10/16/2010 10:54:45 PM |
| zone6 | $36.02 | $36.02 | 10/17/2010 8:04:31 PM |
| supersarah61 | $25.00 | $25.00 | 10/17/2010 5:35:27 PM |
| proaz0119 | $25.00 | $25.00 | 10/18/2010 5:30:12 AM |
| Preferred-Lender | $25.00 | $25.00 | 10/18/2010 12:10:50 AM |
| FlexFunding | $50.00 | $50.00 | 10/18/2010 4:19:13 AM |
| wise-dedicated-power | $25.00 | $25.00 | 10/18/2010 4:28:18 AM |
| platinum-genetics | $25.00 | $25.00 | 10/18/2010 5:04:06 AM |
| p2ploan-charmer | $25.00 | $25.00 | 10/18/2010 4:38:00 AM |
| rakstar | $50.00 | $50.00 | 10/18/2010 6:22:55 AM |
| riproaringrapids | $25.00 | $25.00 | 10/18/2010 8:29:52 AM |
| discrete-asset | $25.00 | $25.00 | 10/18/2010 9:03:00 AM |
| balance-force | $25.00 | $25.00 | 10/18/2010 9:17:20 AM |
| Jtomtom | $25.00 | $25.00 | 10/18/2010 9:26:50 AM |
| cello1 | $25.00 | $25.00 | 10/18/2010 9:44:36 AM |
| investment-artist | $25.00 | $25.00 | 10/18/2010 10:38:51 AM |
| credit-coach118 | $50.00 | $50.00 | 10/18/2010 9:44:59 AM |
| balance-voyager | $50.00 | $50.00 | 10/18/2010 9:55:51 AM |
| ferocious-exchange3 | $50.00 | $50.00 | 10/18/2010 9:56:11 AM |
| PCGeekWI | $25.00 | $25.00 | 10/18/2010 10:58:07 AM |
| gold-commander0 | $50.00 | $50.00 | 10/18/2010 11:16:58 AM |
| nasents | $25.00 | $25.00 | 10/18/2010 12:37:29 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/18/2010 11:30:45 AM |
| Whitewater_Loans | $25.00 | $25.00 | 10/18/2010 11:36:21 AM |
| lion445 | $25.00 | $25.00 | 10/18/2010 12:24:08 PM |
| figs4u2 | $100.00 | $100.00 | 10/18/2010 3:41:53 PM |
| JJ9876 | $100.00 | $100.00 | 10/18/2010 3:41:07 PM |
| yukongin | $50.00 | $50.00 | 10/18/2010 3:42:07 PM |
| compwhiz | $25.00 | $25.00 | 10/18/2010 3:43:16 PM |
| credit-bearer959 | $50.00 | $50.00 | 10/18/2010 3:48:15 PM |
| divedude | $50.00 | $50.00 | 10/18/2010 4:13:36 PM |
| murren | $25.00 | $25.00 | 10/18/2010 5:36:00 PM |
| C_Mark | $100.00 | $100.00 | 10/18/2010 5:43:17 PM |
| cablenews | $50.00 | $50.00 | 10/18/2010 5:35:44 PM |
| BeemerRider | $25.00 | $25.00 | 10/18/2010 5:43:24 PM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/18/2010 5:50:06 PM |
| Requiem | $25.00 | $25.00 | 10/19/2010 2:47:05 AM |
| encouraging-fund | $25.00 | $25.00 | 10/19/2010 10:01:41 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/19/2010 9:58:16 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/19/2010 4:52:44 PM |
| elevated-finance | $105.41 | $105.41 | 10/19/2010 5:25:58 PM |
| zenchef | $25.00 | $25.00 | 10/19/2010 7:06:20 PM |
| BipedalHominid | $30.00 | $30.00 | 10/20/2010 2:39:24 AM |
| nofreelunch | $25.00 | $25.00 | 10/20/2010 6:48:31 AM |
| octoberfresh | $25.00 | $25.00 | 10/20/2010 7:05:17 AM |
| WAITING4SUNSHINE | $25.00 | $25.00 | 10/20/2010 8:41:02 AM |
| logical-reward8 | $25.00 | $25.00 | 10/20/2010 9:20:19 AM |
| nimcha | $50.00 | $50.00 | 10/20/2010 9:34:46 AM |
| UT2008 | $50.00 | $50.00 | 10/20/2010 10:17:17 AM |
| cpy911 | $50.00 | $50.00 | 10/20/2010 10:39:48 AM |
| equitable-yield4 | $25.00 | $25.00 | 10/20/2010 11:26:15 AM |
| sparkymark | $100.00 | $100.00 | 10/20/2010 11:27:54 AM |
| grvdgr01 | $25.00 | $25.00 | 10/20/2010 12:29:30 PM |
| debt-legend | $25.00 | $25.00 | 10/20/2010 12:28:29 PM |
| investment-maker0 | $50.00 | $50.00 | 10/20/2010 12:54:02 PM |
| DukSerduk | $25.00 | $25.00 | 10/13/2010 2:43:45 PM |
| ramsbladder | $25.00 | $25.00 | 10/13/2010 2:44:49 PM |
| delicious-social132 | $50.00 | $50.00 | 10/13/2010 2:45:40 PM |
| kenji4861 | $50.00 | $50.00 | 10/13/2010 2:45:44 PM |
| Avala | $100.00 | $100.00 | 10/13/2010 2:45:57 PM |
| meenan | $25.00 | $25.00 | 10/13/2010 2:46:08 PM |
| dtrain5 | $25.00 | $25.00 | 10/13/2010 2:46:11 PM |
| psa1995 | $50.00 | $50.00 | 10/13/2010 2:46:12 PM |
| rescue | $100.00 | $100.00 | 10/13/2010 2:46:29 PM |
| cebgop | $25.00 | $25.00 | 10/13/2010 2:47:16 PM |
| gold-sushi | $50.00 | $50.00 | 10/13/2010 2:47:31 PM |
| DonaldColorado | $100.00 | $100.00 | 10/13/2010 2:47:41 PM |
| RockCrown | $50.00 | $50.00 | 10/13/2010 2:48:00 PM |
| serene-power0 | $25.00 | $25.00 | 10/13/2010 2:48:43 PM |
| numitor | $50.00 | $50.00 | 10/13/2010 2:45:29 PM |
| diversification-pilot | $25.00 | $25.00 | 10/13/2010 2:48:46 PM |
| natural-affluence4 | $50.00 | $50.00 | 10/13/2010 2:45:35 PM |
| AoP | $43.55 | $43.55 | 10/13/2010 2:49:02 PM |
| jts | $25.00 | $25.00 | 10/13/2010 2:45:59 PM |
| chinolatino | $50.00 | $50.00 | 10/13/2010 2:46:14 PM |
| GElender | $50.00 | $50.00 | 10/13/2010 2:47:10 PM |
| TennSquire | $25.00 | $25.00 | 10/13/2010 2:47:27 PM |
| damage | $25.00 | $25.00 | 10/13/2010 2:48:33 PM |
| werdnaff | $25.00 | $25.00 | 10/13/2010 2:49:06 PM |
| noble-revenue | $50.00 | $50.00 | 10/13/2010 2:55:21 PM |
| ogmanny | $50.00 | $50.00 | 10/13/2010 2:52:04 PM |
| cachecrew | $50.00 | $50.00 | 10/13/2010 2:45:47 PM |
| diplomatic-wealth7 | $100.00 | $100.00 | 10/13/2010 2:46:04 PM |
| julijask | $35.00 | $35.00 | 10/13/2010 2:46:26 PM |
| roadtruck | $50.00 | $50.00 | 10/13/2010 2:46:42 PM |
| catterpillar | $50.00 | $50.00 | 10/13/2010 2:46:45 PM |
| auction-sage | $50.00 | $50.00 | 10/13/2010 2:46:59 PM |
| blot44 | $25.00 | $25.00 | 10/13/2010 2:47:03 PM |
| antlr | $50.00 | $50.00 | 10/13/2010 2:47:40 PM |
| SDNLR | $25.00 | $25.00 | 10/13/2010 2:47:46 PM |
| ATOHokie | $25.00 | $25.00 | 10/13/2010 2:48:35 PM |
| selector568 | $400.00 | $400.00 | 10/13/2010 3:04:05 PM |
| Artist_Blue | $25.00 | $25.00 | 10/13/2010 5:48:13 PM |
| ArmyGuy | $25.00 | $25.00 | 10/13/2010 11:14:44 PM |
| jjb3 | $25.00 | $25.00 | 10/13/2010 11:24:24 PM |
| Kerrysbay | $25.00 | $25.00 | 10/13/2010 11:35:12 PM |
| lloyd_s | $25.00 | $25.00 | 10/13/2010 11:43:41 PM |
| tekkie2412 | $26.78 | $26.78 | 10/13/2010 11:44:14 PM |
| dcap3 | $50.00 | $50.00 | 10/14/2010 5:19:11 AM |
| Okeey | $25.00 | $25.00 | 10/13/2010 11:23:41 PM |
| calessabay | $25.00 | $25.00 | 10/13/2010 11:42:53 PM |
| BayShell | $37.79 | $37.79 | 10/14/2010 9:49:30 AM |
| larrybird | $150.00 | $150.00 | 10/14/2010 1:22:48 PM |
| kegs | $100.00 | $100.00 | 10/14/2010 1:29:52 PM |
| surfsider123 | $25.00 | $25.00 | 10/14/2010 2:48:41 PM |
| squarebob | $50.00 | $50.00 | 10/14/2010 6:26:56 PM |
| thedoctor | $50.00 | $50.00 | 10/14/2010 8:59:44 PM |
| squarebob | $50.00 | $50.00 | 10/14/2010 6:26:38 PM |
| bayareainv | $31.67 | $31.67 | 10/15/2010 5:13:23 AM |
| ray1051 | $75.00 | $75.00 | 10/15/2010 6:28:41 AM |
| penny-plato | $25.00 | $25.00 | 10/15/2010 9:26:26 AM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/15/2010 1:43:12 PM |
| nicklds | $25.00 | $25.00 | 10/15/2010 11:10:27 AM |
| skuba | $50.00 | $50.00 | 10/15/2010 5:16:53 PM |
| BrLender | $50.00 | $50.00 | 10/15/2010 10:23:32 PM |
| IIP77 | $25.00 | $25.00 | 10/15/2010 10:24:16 PM |
| elasermd | $34.37 | $34.37 | 10/16/2010 1:56:27 AM |
| Phantom99 | $25.00 | $25.00 | 10/16/2010 2:32:27 AM |
| Railbird | $25.00 | $25.00 | 10/16/2010 1:00:15 PM |
| godfather4u | $50.00 | $50.00 | 10/16/2010 8:57:54 AM |
| schpere | $25.00 | $25.00 | 10/17/2010 8:42:54 AM |
| dignified-euro8 | $50.00 | $50.00 | 10/17/2010 9:45:38 AM |
| BiggestG | $25.00 | $25.00 | 10/17/2010 11:55:35 PM |
| brutusbone | $25.00 | $25.00 | 10/18/2010 7:18:12 AM |
| chrisb1414 | $25.00 | $25.00 | 10/18/2010 6:37:51 AM |
| helping-out | $100.00 | $100.00 | 10/18/2010 8:13:28 AM |
| moneygeek | $25.00 | $25.00 | 10/18/2010 9:45:40 AM |
| Ivan2007 | $50.00 | $50.00 | 10/18/2010 9:37:50 AM |
| ToweringDan | $50.00 | $50.00 | 10/18/2010 10:47:58 AM |
| bomdel | $25.00 | $25.00 | 10/18/2010 10:11:07 AM |
| reward-rancher | $25.00 | $25.00 | 10/18/2010 12:16:18 PM |
| MrX | $25.00 | $25.00 | 10/18/2010 10:37:47 AM |
| point-shooter | $50.00 | $50.00 | 10/18/2010 1:22:49 PM |
| FundMaker | $25.00 | $25.00 | 10/18/2010 11:56:46 AM |
| healthy-commerce | $25.00 | $25.00 | 10/18/2010 1:23:17 PM |
| credit-guard5 | $25.00 | $25.00 | 10/18/2010 3:24:21 PM |
| credit-bearer959 | $50.00 | $50.00 | 10/18/2010 3:43:02 PM |
| ivadood | $100.00 | $100.00 | 10/18/2010 4:48:08 PM |
| commerce-voyager | $25.00 | $25.00 | 10/18/2010 4:07:58 PM |
| JoyfulVegetarian | $50.00 | $50.00 | 10/18/2010 5:35:43 PM |
| ujiba | $50.00 | $50.00 | 10/18/2010 5:35:57 PM |
| Anny-Disco | $25.00 | $25.00 | 10/18/2010 5:35:39 PM |
| loan4teacher | $50.00 | $50.00 | 10/18/2010 5:25:14 PM |
| lendingfrog | $50.00 | $50.00 | 10/18/2010 5:35:45 PM |
| SnE | $25.00 | $25.00 | 10/18/2010 6:52:26 PM |
| leodaguy | $50.00 | $16.45 | 10/18/2010 6:58:15 PM |
| MathProfessor | $25.00 | $25.00 | 10/18/2010 8:33:23 PM |
| BankShark | $25.00 | $25.00 | 10/18/2010 7:52:24 PM |
| VonKeebler | $35.96 | $35.96 | 10/19/2010 3:57:56 AM |
| velocity-squadron | $30.00 | $30.00 | 10/19/2010 9:59:17 AM |
| peace-saber0 | $25.00 | $25.00 | 10/19/2010 10:04:42 AM |
| euro-deployment | $25.00 | $25.00 | 10/19/2010 1:00:47 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/19/2010 4:53:02 PM |
| Guiren | $100.00 | $100.00 | 10/19/2010 4:16:16 PM |
| designs626 | $50.00 | $50.00 | 10/20/2010 7:12:37 AM |
| thebadpelican | $25.00 | $25.00 | 10/20/2010 8:08:18 AM |
| nestegg4e | $25.00 | $25.00 | 10/20/2010 8:44:54 AM |
| Eagledrop | $25.00 | $25.00 | 10/20/2010 8:45:13 AM |
| stormwatch | $25.00 | $25.00 | 10/20/2010 9:07:16 AM |
| Socorro_Capital_Partners | $25.00 | $25.00 | 10/20/2010 9:37:14 AM |
| PlusUltra | $100.00 | $100.00 | 10/20/2010 9:41:46 AM |
| 108lender | $125.00 | $125.00 | 10/20/2010 10:39:26 AM |
| newest-sensible-hope | $50.00 | $50.00 | 10/20/2010 11:16:41 AM |
| GSV67 | $50.00 | $50.00 | 10/20/2010 1:41:22 PM |
| 226 bids
|
Borrower Payment Dependent Notes Series
479815
This series of Notes was issued and sold upon the funding of the borrower loan #44933, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% |
Auction start date:
| Oct-15-2010 |
| |
Auction end date:
| Oct-20-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $80.32 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $80.32 |
| |
|
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):
| 8 |
First credit line:
| Jan-1991 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
3 | Length of status: | 12y 1m |
|
Amount delinquent:
| $6,355 |
Total credit lines:
| 27 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,589 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| chadkan |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 30 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2010)
700-719
(Mar-2008)
|
|
Principal balance:
| $389.39 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Starting a Taxi Cab Service
I am starting out a taxi service.? I have drove cab part time for a while and I am very familiar with the industry, enough to know how to run a cab business myself.? I need the money for quality advertising and a down payment for the insurance policy.? I currently have very few bills as I own my house 100 percent outright.? I may also be interested in looking for investors for partnership.? 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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| loyalist1 | $100.00 | $100.00 | 10/15/2010 3:28:56 PM |
| bid-czar8 | $25.00 | $25.00 | 10/15/2010 3:32:37 PM |
| handshake5 | $50.00 | $50.00 | 10/15/2010 3:32:56 PM |
| all_of_that_one | $40.00 | $40.00 | 10/15/2010 3:29:48 PM |
| balance-handshake7 | $25.00 | $25.00 | 10/15/2010 5:30:56 PM |
| NekHoldings | $25.00 | $25.00 | 10/16/2010 8:45:10 AM |
| NoCal | $30.00 | $30.00 | 10/18/2010 3:08:07 AM |
| SolarMoonshine | $25.00 | $25.00 | 10/18/2010 6:43:17 AM |
| atlas100 | $25.00 | $25.00 | 10/18/2010 7:52:37 AM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/18/2010 5:42:20 PM |
| MathProfessor | $25.00 | $25.00 | 10/18/2010 9:07:51 PM |
| Aberdeen | $400.00 | $400.00 | 10/19/2010 3:22:51 AM |
| cashhelp | $27.88 | $27.88 | 10/19/2010 3:32:33 AM |
| wlm3012 | $25.00 | $25.00 | 10/20/2010 7:55:25 AM |
| radiant-loan5 | $100.00 | $100.00 | 10/15/2010 3:32:11 PM |
| the-money-gargantuan | $25.00 | $25.00 | 10/15/2010 6:49:46 PM |
| Jonb6919 | $25.00 | $25.00 | 10/16/2010 8:22:48 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/16/2010 9:24:56 AM |
| SDNLR | $25.00 | $25.00 | 10/16/2010 11:12:50 AM |
| zippy-interest | $25.00 | $25.00 | 10/17/2010 8:52:54 AM |
| supersarah61 | $25.00 | $25.00 | 10/17/2010 5:27:54 PM |
| sakha | $50.00 | $50.00 | 10/18/2010 3:33:08 AM |
| washboard1 | $50.00 | $2.12 | 10/18/2010 6:28:37 AM |
| Aberdeen | $400.00 | $400.00 | 10/19/2010 3:22:47 AM |
| FLSmooth | $50.00 | $50.00 | 10/19/2010 5:17:36 AM |
| testguy | $25.00 | $25.00 | 10/19/2010 7:31:57 AM |
| interstellar | $50.00 | $50.00 | 10/19/2010 9:13:32 AM |
| thankful-nickel2 | $25.00 | $25.00 | 10/19/2010 4:56:33 PM |
| Flying_Tilapia | $25.00 | $25.00 | 10/20/2010 4:27:04 AM |
| loanman2007 | $75.00 | $75.00 | 10/20/2010 6:05:28 AM |
| bondhedger | $25.00 | $25.00 | 10/20/2010 9:06:32 AM |
| william8 | $25.00 | $25.00 | 10/20/2010 10:56:48 AM |
| realtormoises | $25.00 | $25.00 | 10/20/2010 10:56:35 AM |
| Brown98 | $25.00 | $25.00 | 10/20/2010 11:03:57 AM |
| investment-artist | $25.00 | $25.00 | 10/20/2010 11:43:15 AM |
| tech310 | $50.00 | $50.00 | 10/20/2010 4:00:07 PM |
| 36 bids
|