Sales Report:Supplement No. 63 dated Oct 27, 2010 to Prospectus dated Jul 26, 2010
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 26, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 373519
This series of Notes was issued and sold upon the funding of the borrower loan #45036, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,200.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $100.65
Final lender yield: 6.00% Final borrower rate/APR: 7.00% / 7.34% Final monthly payment: $98.81
 
Auction yield range: 2.71% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 4.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-2005 Debt/Income ratio: 7%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $840Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: alex45617 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
Money making energy retrofit!
Purpose of loan:
This loan will be used to increase the R-value of the house so that heating bills aren't so expensive. The payments will practically pay themselves from the savings.

My financial situation:
I won't enumerate my expenses because I'm living with my parents, so they're basically nil. The situation is that our house costs 3 TIMES more to heat than other homes of the same size and type in the area. I figure a little weatherization will go a looong way. You can see I'm good with credit by checking my profile. Also, I have a degree in finance.
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: Kindly give details of what you are going to buy to weatherize this Mass property. - jpblan11
A: The house was built in 1969 with all the zeal of cheap oil. The energy assessment will be done in November, but I figure this loan will cover insulation to the building envelope (getting rid of the DRAFT in my bedroom) and what's leftover will go to new windows. As I said, the cost per square foot is off the charts so while it might not be cheap to begin with, the savings should be pretty tremendous. (Oct-22-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
blot44$25.00$25.0010/18/2010 3:06:07 PM
turbospeed$25.00$25.0010/18/2010 3:03:35 PM
RandyL3$25.00$25.0010/18/2010 3:18:08 PM
coolcoast$50.00$50.0010/18/2010 4:14:05 PM
MathProfessor$25.00$25.0010/18/2010 8:53:28 PM
Earn_money$25.43$25.4310/19/2010 12:36:49 PM
seineil$50.00$50.0010/20/2010 7:00:55 AM
investment-artist$25.00$25.0010/20/2010 11:57:05 AM
F_r_e_d_s__B_a_n_k$50.00$50.0010/20/2010 1:03:31 PM
billnsc$25.00$25.0010/20/2010 6:13:08 PM
lucabratsie$25.00$25.0010/20/2010 8:45:50 PM
CharliesHobbies$25.00$25.0010/21/2010 8:41:39 AM
rebeldog67$25.00$25.0010/21/2010 12:57:16 PM
tolerant-dinero2$25.00$25.0010/21/2010 6:01:40 PM
wwwUniversal$25.00$25.0010/21/2010 7:58:32 PM
Tsimmeej$25.00$25.0010/22/2010 2:41:53 AM
loanman2007$50.00$50.0010/22/2010 7:28:21 AM
shellstar$25.00$25.0010/22/2010 1:55:53 PM
BANKIN$25.00$25.0010/22/2010 4:11:47 PM
scotty61$25.00$25.0010/22/2010 9:14:46 PM
ryan6853$25.00$25.0010/22/2010 10:22:58 PM
fcb202$42.31$42.3110/23/2010 2:47:10 AM
bankojerry$25.00$25.0010/23/2010 11:42:28 AM
alpinaut$30.00$30.0010/23/2010 3:24:10 PM
roswellandy$25.00$25.0010/24/2010 4:55:51 AM
Dollars4Rent$25.00$25.0010/24/2010 8:18:19 AM
lsx7$125.00$125.0010/24/2010 8:38:10 PM
265alan0$25.00$25.0010/24/2010 7:49:21 PM
Snoopylover$25.00$25.0010/25/2010 6:16:10 AM
gsd$35.00$35.0010/25/2010 5:35:47 AM
RiskManiac$25.00$25.0010/25/2010 5:49:11 AM
Earn_money$25.00$25.0010/25/2010 11:22:59 AM
cwegert$50.63$50.6310/25/2010 11:16:11 AM
dime-capo$25.00$25.0010/25/2010 10:37:47 AM
ArmyGuy$30.00$30.0010/25/2010 12:47:49 PM
simiray$30.00$30.0010/25/2010 12:04:03 PM
revenue-appraiser$25.00$25.0010/25/2010 1:41:24 PM
engaging-worth$25.00$25.0010/25/2010 2:18:00 PM
Approved$50.00$50.0010/18/2010 3:02:49 PM
FundMaker$25.00$25.0010/18/2010 6:16:27 PM
balance-river$25.00$25.0010/18/2010 6:37:06 PM
lfcgrad$50.00$50.0010/18/2010 7:26:03 PM
dealmaster$50.00$50.0010/18/2010 7:39:32 PM
Roundhouse$50.00$50.0010/18/2010 8:03:50 PM
HealthAndSafety$100.00$100.0010/18/2010 9:04:39 PM
interstellar$50.00$50.0010/19/2010 2:21:03 AM
Earnest_Money$25.00$25.0010/20/2010 7:48:06 PM
4Horseman$50.00$50.0010/20/2010 8:25:04 PM
Brisket_Bob$35.00$35.0010/21/2010 5:42:49 AM
CollinsCrew$43.24$43.2410/21/2010 9:41:44 AM
JeramyU$29.88$29.8810/21/2010 12:19:12 PM
happyjackbak$35.00$35.0010/21/2010 5:59:11 PM
blindtaxidriver$25.00$25.0010/21/2010 6:00:18 PM
LovinMe$25.00$25.0010/21/2010 7:48:15 PM
GEOFFS3$25.00$25.0010/22/2010 8:46:42 AM
trade-structure$50.00$50.0010/22/2010 12:21:30 PM
arenangelchild$50.00$50.0010/22/2010 4:28:01 PM
a2190b$25.00$25.0010/22/2010 5:23:21 PM
uncle101$25.00$25.0010/22/2010 5:42:24 PM
Digs$25.00$25.0010/22/2010 5:43:50 PM
Lender0307$25.00$8.5110/22/2010 11:07:19 PM
Streamfeeder$25.00$25.0010/23/2010 3:08:47 AM
Spiv_51$25.00$25.0010/23/2010 4:57:03 AM
marwadi-62$300.00$300.0010/23/2010 9:28:04 AM
natedog666$300.00$300.0010/23/2010 9:44:53 AM
LawyerLoan$25.00$25.0010/23/2010 11:46:54 AM
kmcolo$25.00$25.0010/23/2010 1:46:51 PM
hookUup$100.00$100.0010/24/2010 5:51:34 AM
Phillip4ever$25.00$25.0010/23/2010 7:39:55 PM
JerryB96$25.00$25.0010/24/2010 7:16:03 AM
REITRUST$25.00$25.0010/24/2010 12:58:45 PM
cellardoor$25.00$25.0010/24/2010 12:09:15 PM
Isotope$25.00$25.0010/25/2010 6:24:36 AM
debt-legend$25.00$25.0010/25/2010 8:13:26 AM
lion445$30.00$30.0010/25/2010 6:23:50 AM
quantumwellguy$50.00$50.0010/25/2010 9:05:42 AM
DanV$25.00$25.0010/25/2010 11:05:27 AM
alakanbearcub$25.00$25.0010/25/2010 11:17:20 AM
credit-guard5$25.00$25.0010/25/2010 2:26:59 PM
79 bids
 
Borrower Payment Dependent Notes Series 464409
This series of Notes was issued and sold upon the funding of the borrower loan #45038, 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-15-2010 
  Auction end date:  Oct-21-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 34.63% Final monthly payment: $322.51
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.06%  
Lender servicing fee: 1.00% Estimated return: 9.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1998 Debt/Income ratio: 52%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,475Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: tazerpup Borrower's state: Montana Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 63 ( 100% ) 640-659 (Latest)
Principal borrowed: $15,500.00< 31 days late: 0 ( 0% )  
660-679 (May-2010)
660-679 (Apr-2010)
640-659 (Feb-2010)
660-679 (Jan-2008)
 
Principal balance: $1,191.19 31+ days late: 0 ( 0% )
Total payments billed: 63  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate my?credit cards and?personal loan?into one easy ACH?payment.

My financial situation:
I am a good candidate for this loan because I have?made 63 on time payments for my previous and active Prosper loans, and history should speak for itself.? I have never missed or been late on any?of my current obligations for I live well within my means.? I pay my bills?and that is never going to change.? My husband and I have ample income to cover our expenses, and we will further decrease our monthly payments with the consolidation of these payments and interest rates.

Monthly net income: $ 3,200.00

Monthly expenses: $ 2,409.00
??Housing: $ 660.00
??Insurance: $?60.00
??Car expenses: $ 72.00
??Utilities: $ 48.00
??Phone, cable, internet: $ 149.00?
??Food, entertainment: $ 50.00
??Clothing, household expenses $?50.00?
??Credit cards and other loans: $ 1120.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Amber_Stone$25.00$25.0010/15/2010 4:45:47 PM
UCLA4life$25.00$25.0010/17/2010 1:53:14 PM
Sven79$150.00$150.0010/18/2010 10:23:44 AM
SFBank$500.00$500.0010/19/2010 6:12:57 PM
sweety075$25.00$25.0010/19/2010 6:56:00 PM
SolarMoonshine$100.00$100.0010/20/2010 3:49:48 AM
Aberdeen$500.00$500.0010/20/2010 5:15:59 AM
Aberdeen$400.00$400.0010/20/2010 5:16:35 AM
Aberdeen$400.00$400.0010/20/2010 5:16:40 AM
Aberdeen$400.00$400.0010/20/2010 5:16:47 AM
wlm3012$25.00$25.0010/20/2010 7:51:04 AM
fabulous-community4$100.00$100.0010/20/2010 9:03:10 AM
loanman2007$250.00$250.0010/21/2010 6:53:10 AM
Rulea72$50.00$50.0010/21/2010 7:43:15 AM
Phatt-Daddy$25.00$25.0010/21/2010 11:07:21 AM
heroic-benefit$200.00$6.8110/21/2010 12:40:39 PM
UBOtto186$25.00$25.0010/21/2010 1:08:42 PM
mikeandcat$78.65$78.6510/21/2010 1:24:19 PM
ustfu$25.00$25.0010/21/2010 2:46:47 PM
american-investor$28.06$28.0610/21/2010 3:02:31 PM
Leshan$75.00$75.0010/21/2010 4:21:46 PM
psycardis$25.00$25.0010/21/2010 5:58:10 PM
lendstats_com$200.00$200.0010/18/2010 1:40:15 PM
myutmost$50.00$50.0010/19/2010 6:24:49 AM
RainyDayFunds$25.00$25.0010/19/2010 10:23:46 AM
reflective-rupee$750.00$750.0010/19/2010 11:37:14 AM
realtormoises$25.00$25.0010/19/2010 4:36:20 PM
genuine-integrity0$25.00$25.0010/19/2010 5:17:22 PM
shawnw2$500.00$500.0010/20/2010 12:13:48 AM
lucrative-loan$48.65$48.6510/20/2010 12:40:13 AM
economy-popcorn$25.00$25.0010/20/2010 4:43:40 AM
blitzen40$50.00$50.0010/20/2010 5:12:28 AM
Aberdeen$400.00$400.0010/20/2010 5:16:38 AM
DenimCapital$500.00$500.0010/20/2010 5:25:01 AM
Aberdeen$400.00$400.0010/20/2010 5:18:01 AM
Aberdeen$500.00$500.0010/20/2010 5:18:32 AM
yield-lion2$75.00$75.0010/20/2010 8:59:20 AM
investment-artist$25.00$25.0010/20/2010 11:41:16 AM
Kash2010lu$75.00$75.0010/20/2010 12:00:03 PM
atlas100$50.00$50.0010/20/2010 2:50:52 PM
loss-of-control$50.00$50.0010/20/2010 5:24:12 PM
Branch95$50.00$50.0010/20/2010 7:44:37 PM
chameleon125$200.00$200.0010/21/2010 7:28:10 AM
coasterman$25.00$25.0010/21/2010 9:50:26 AM
BrighterSuns$25.00$25.0010/21/2010 2:27:25 PM
principal-laser$32.83$32.8310/21/2010 2:42:55 PM
Bob450$30.00$30.0010/21/2010 2:52:48 PM
Whitewater_Loans$50.00$50.0010/21/2010 3:32:42 PM
Moe87$25.00$25.0010/21/2010 3:40:45 PM
taetrade$25.00$25.0010/21/2010 3:38:56 PM
bankojerry$25.00$25.0010/21/2010 6:57:03 PM
51 bids
 
Borrower Payment Dependent Notes Series 478439
This series of Notes was issued and sold upon the funding of the borrower loan #45029, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-06-2010 
  Auction end date:  Oct-13-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $416.87
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $416.87
 
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: Apr-1977 Debt/Income ratio: 55%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 35Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $86,168 
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: upbeat-worth3 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
pay off some credit cards &
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
authentic-liberty7$25.00$25.0010/6/2010 2:26:29 PM
bountiful-durability$55.93$55.9310/6/2010 2:26:23 PM
papaloha$25.00$25.0010/6/2010 2:26:39 PM
generous-deal6$50.00$50.0010/6/2010 2:27:32 PM
worldly-penny8$25.00$25.0010/6/2010 2:27:56 PM
bowdish1$50.00$50.0010/6/2010 2:34:30 PM
Gabriel02$25.00$25.0010/6/2010 2:32:55 PM
mike_banker$50.00$50.0010/6/2010 2:33:29 PM
herbyman$50.00$50.0010/6/2010 2:33:42 PM
jrbill1998$50.00$50.0010/6/2010 2:37:01 PM
studious-bonus7$100.00$100.0010/6/2010 2:32:43 PM
bid-czar8$100.00$100.0010/6/2010 2:32:46 PM
shmb6508$100.00$100.0010/6/2010 2:32:51 PM
loan-adventurer7$36.00$36.0010/6/2010 2:37:40 PM
ichibon$150.00$150.0010/6/2010 2:35:50 PM
ericgassercom$50.00$50.0010/6/2010 2:35:55 PM
jdwillcox$50.00$50.0010/6/2010 2:33:38 PM
tech310$50.00$50.0010/6/2010 2:34:43 PM
moola-wildebeest3$50.00$50.0010/6/2010 2:35:42 PM
tsui517$25.00$25.0010/6/2010 2:36:00 PM
graceful-investment$100.00$100.0010/6/2010 2:36:12 PM
icecoldcash$45.32$45.3210/6/2010 3:18:38 PM
Gibbyland$50.00$50.0010/6/2010 3:23:56 PM
nycfinance$25.00$25.0010/6/2010 3:34:47 PM
Artist_Blue$25.00$25.0010/7/2010 6:59:35 AM
boater01$50.00$50.0010/7/2010 9:01:47 AM
asset-professor$50.00$50.0010/7/2010 8:19:40 AM
credible-durability$25.00$25.0010/7/2010 10:29:45 AM
the-gold-quark$25.00$25.0010/7/2010 8:47:53 AM
ryanp100$25.00$25.0010/7/2010 9:33:13 AM
life-is-great$50.00$50.0010/7/2010 4:40:08 PM
the-profit-oracle$25.00$25.0010/7/2010 5:05:01 PM
lively-point$25.00$25.0010/7/2010 7:27:58 PM
bambampk$25.00$25.0010/7/2010 6:34:20 PM
delicious-social132$50.00$50.0010/8/2010 3:48:04 AM
irrelevant$25.00$25.0010/8/2010 11:02:34 AM
coin-investor$25.00$25.0010/8/2010 12:17:54 PM
skuba$50.00$50.0010/8/2010 2:06:39 PM
Go_Ducks$25.00$25.0010/8/2010 12:14:21 PM
psa1995$50.00$50.0010/8/2010 2:07:15 PM
efficient-treasure0$25.00$25.0010/8/2010 5:24:32 PM
soheagle$50.00$50.0010/8/2010 5:42:46 PM
riproaringrapids$25.00$25.0010/9/2010 2:18:28 AM
KileNSmyth4$25.35$25.3510/9/2010 3:02:35 AM
peso-fortress$25.00$25.0010/9/2010 3:04:37 AM
Bendistraw$50.00$50.0010/9/2010 11:52:54 AM
saysana$25.00$25.0010/9/2010 7:02:51 AM
eloquent-dough5$25.00$25.0010/9/2010 11:47:19 PM
fairness-kayak$25.00$25.0010/9/2010 6:47:50 PM
gallant-economy9$32.54$32.5410/10/2010 11:42:47 AM
JoyfulVegetarian$25.00$25.0010/10/2010 8:12:57 PM
NiceNate$50.00$50.0010/11/2010 12:01:31 AM
ashot12$25.00$25.0010/11/2010 12:32:53 AM
bxdoc$43.63$43.6310/10/2010 8:17:55 PM
GElender$25.45$25.4510/11/2010 9:17:42 AM
patriot384$360.00$360.0010/11/2010 3:13:06 PM
busybee007$25.00$25.0010/11/2010 3:13:48 PM
gold-sushi$25.00$25.0010/11/2010 3:39:57 PM
rhodylend$25.00$25.0010/11/2010 4:47:52 PM
greenback-bull6$50.00$50.0010/12/2010 9:12:43 AM
payout-achievement$100.00$100.0010/12/2010 7:12:45 AM
108lender$50.00$50.0010/11/2010 6:37:47 PM
red-robust-rupee$25.00$25.0010/12/2010 7:22:50 AM
credit-kahuna$50.00$50.0010/11/2010 11:18:07 PM
jeg3k$50.00$50.0010/12/2010 10:28:01 AM
crenen139$25.00$25.0010/12/2010 10:30:50 AM
IIP77$25.00$25.0010/12/2010 11:18:26 AM
robocop$31.85$31.8510/12/2010 10:57:46 AM
Raye147$25.00$25.0010/12/2010 10:28:36 AM
mtp$50.00$50.0010/12/2010 12:37:24 PM
gold-channel2$100.00$100.0010/12/2010 3:01:27 PM
lostontheedge$25.00$25.0010/12/2010 2:59:50 PM
forthright-dedication$50.00$50.0010/12/2010 5:42:49 PM
MadHun$75.00$75.0010/12/2010 4:12:47 PM
dementia$25.00$25.0010/12/2010 8:29:18 PM
Ivan2007$50.00$50.0010/12/2010 10:09:41 PM
rmachi$25.00$25.0010/13/2010 12:51:21 AM
ClearLake$25.00$25.0010/13/2010 1:04:44 AM
basis-mammal$25.00$25.0010/13/2010 1:31:20 AM
LandE2BG$25.00$25.0010/13/2010 1:04:40 AM
DcUnited$30.00$30.0010/13/2010 1:17:48 AM
robust-payout1$50.00$50.0010/13/2010 9:39:20 AM
dinero-speaker$25.00$25.0010/13/2010 1:37:09 AM
super100$50.00$50.0010/13/2010 9:41:49 AM
FASN8U$25.00$25.0010/13/2010 9:42:08 AM
MakoF16$50.00$50.0010/13/2010 9:42:13 AM
Mark-O-Polo$25.00$25.0010/13/2010 9:42:18 AM
jtradition$50.00$50.0010/13/2010 9:42:22 AM
bigdogsafety1$25.00$25.0010/13/2010 9:42:27 AM
The_Lending_Muscle$25.00$25.0010/13/2010 9:49:24 AM
Oryx22$46.57$46.5710/13/2010 9:42:03 AM
melodious-fairness$25.00$25.0010/13/2010 9:42:07 AM
ScottW$25.00$25.0010/13/2010 9:42:12 AM
scottr$25.00$25.0010/13/2010 9:42:19 AM
ShotokanKeto$25.00$25.0010/13/2010 9:42:24 AM
BrianRK$26.00$26.0010/13/2010 6:22:53 AM
Dallaspat$50.00$50.0010/13/2010 9:59:40 AM
laughmotel$50.00$50.0010/13/2010 10:02:59 AM
Slipps$25.00$25.0010/13/2010 10:03:45 AM
peso-genome$44.32$44.3210/13/2010 10:03:50 AM
MarinLoans$25.00$25.0010/13/2010 10:04:20 AM
geniusj$25.00$25.0010/13/2010 9:48:12 AM
nytrnbow$25.00$25.0010/13/2010 10:13:43 AM
reasonable-transaction7$25.00$25.0010/13/2010 10:03:03 AM
return-elm$25.00$25.0010/13/2010 10:03:17 AM
HalfDayz$50.00$50.0010/13/2010 10:03:29 AM
asya$25.00$25.0010/13/2010 8:34:16 AM
CLoViq$50.00$50.0010/13/2010 10:13:19 AM
TakeCare$80.00$80.0010/13/2010 10:53:58 AM
DeltaComputerGuy$25.00$25.0010/13/2010 11:29:43 AM
boogienation$50.00$50.0010/13/2010 9:40:48 AM
bill-mushroom$25.00$25.0010/13/2010 9:42:10 AM
Comoparklender$50.00$50.0010/13/2010 9:42:33 AM
hizzy$45.32$45.3210/13/2010 11:30:08 AM
TeamN$50.00$46.1110/13/2010 11:30:10 AM
thoughtful-community7$25.00$25.0010/13/2010 10:03:44 AM
worldly-community3$50.00$50.0010/13/2010 10:04:13 AM
Investoman$25.00$25.0010/13/2010 10:04:19 AM
stoopidnoodle$25.00$25.0010/13/2010 10:13:29 AM
nanda$50.00$50.0010/13/2010 10:13:38 AM
trade-caper$25.00$25.0010/13/2010 10:13:58 AM
green-credit-bliss$25.00$25.0010/13/2010 11:04:45 AM
DadWarbucks$50.00$50.0010/13/2010 11:28:47 AM
radforj22$25.00$25.0010/6/2010 2:27:17 PM
Weaverville$50.00$50.0010/6/2010 2:26:46 PM
chemistry220$50.00$50.0010/6/2010 2:28:07 PM
rescue$100.00$100.0010/6/2010 2:26:13 PM
agiovasil$25.00$25.0010/6/2010 2:32:23 PM
simplelender80$250.00$250.0010/6/2010 2:32:38 PM
DRA-Properties$25.00$25.0010/6/2010 2:32:35 PM
mla$25.00$25.0010/6/2010 2:34:25 PM
jazzlender$25.00$25.0010/6/2010 2:33:00 PM
objective-investor$100.00$100.0010/6/2010 2:34:14 PM
JohnGalt79$100.00$100.0010/6/2010 2:34:18 PM
tntmojave$25.00$25.0010/6/2010 2:36:16 PM
escharfer$25.00$25.0010/6/2010 2:34:56 PM
elfincove$50.00$50.0010/6/2010 2:36:07 PM
kmr2$200.00$200.0010/6/2010 2:33:54 PM
brother_tam$50.00$50.0010/6/2010 2:36:36 PM
lendingfrog$50.00$50.0010/6/2010 2:35:11 PM
marketplace-cello5$50.00$50.0010/6/2010 2:35:18 PM
mtquan$25.00$25.0010/6/2010 2:36:04 PM
AF-Chief$25.00$25.0010/6/2010 3:14:16 PM
meteoric-trade$25.00$25.0010/6/2010 8:57:40 PM
elegant-bonus$25.00$25.0010/7/2010 1:41:21 AM
worthy-bid8$100.00$100.0010/7/2010 6:33:05 AM
gopbernie$25.00$25.0010/7/2010 6:39:09 AM
cybernosha$25.00$25.0010/7/2010 7:58:17 AM
Heatguy$25.00$25.0010/7/2010 8:07:51 AM
alpinaut$25.00$25.0010/7/2010 5:48:12 AM
jigsaw$100.00$100.0010/7/2010 9:01:59 AM
Interstate_Rate$100.00$100.0010/7/2010 9:02:07 AM
Bankman68$48.52$48.5210/7/2010 8:47:48 AM
boomer5$25.00$25.0010/7/2010 11:14:15 AM
CAGE-Investments$25.00$25.0010/7/2010 11:28:44 AM
nicklds$25.00$25.0010/7/2010 10:15:15 AM
repayment-chef$50.00$50.0010/7/2010 1:57:53 PM
triumph329$25.00$25.0010/7/2010 2:05:40 PM
gethsemane4$25.00$25.0010/7/2010 12:11:09 PM
larrybird$113.57$113.5710/7/2010 5:13:38 PM
witty-principal$50.00$50.0010/7/2010 5:23:05 PM
jbrel$50.00$50.0010/8/2010 4:38:02 AM
Tradesmanlender$25.00$25.0010/8/2010 9:36:38 AM
Riccous$25.00$25.0010/8/2010 7:07:42 AM
auction-elvis$25.00$25.0010/8/2010 8:37:45 AM
a-finance-nirvana$25.00$25.0010/8/2010 11:04:38 AM
bold-shrewd-duty$50.00$50.0010/8/2010 2:45:26 PM
Katburg$35.00$35.0010/8/2010 4:38:06 PM
nickel-hickory$25.00$25.0010/8/2010 5:24:36 PM
crawfingers$25.00$25.0010/8/2010 5:33:03 PM
wealth-carrier$25.00$25.0010/8/2010 7:39:55 PM
harmonious-moola7$50.00$50.0010/8/2010 4:49:24 PM
benefit-comforter$25.00$25.0010/9/2010 3:17:39 AM
Sol_Invictus$25.00$25.0010/9/2010 6:03:41 AM
CasaDeTomas$77.45$77.4510/9/2010 11:27:52 AM
compwhiz$25.00$25.0010/9/2010 3:32:57 AM
MutuallyBeneficial$50.00$50.0010/9/2010 12:37:49 PM
andyb9$50.00$50.0010/9/2010 4:07:52 PM
Chewbaca$25.00$25.0010/9/2010 1:22:49 PM
the-upbeat-p2p$50.00$50.0010/9/2010 7:13:51 AM
Tomeus$39.91$39.9110/9/2010 7:22:44 AM
ti22ring$30.00$30.0010/9/2010 11:13:29 PM
runner262$25.00$25.0010/9/2010 11:52:56 PM
upbeat-investment9$50.00$50.0010/10/2010 10:02:51 AM
tranquil-return4$25.00$25.0010/10/2010 3:23:25 AM
SpectrumCen$30.00$30.0010/10/2010 4:38:36 AM
Aimvest$25.00$25.0010/10/2010 8:13:10 PM
principal-bull$25.00$25.0010/11/2010 6:44:11 AM
new-sharp-leverage$44.50$44.5010/10/2010 5:12:43 PM
doc1$33.89$33.8910/11/2010 8:13:13 AM
cropdust3r$50.00$50.0010/11/2010 6:38:59 AM
focused-wampum$25.00$25.0010/11/2010 8:43:07 AM
beaker$25.00$25.0010/11/2010 3:05:08 PM
cxl9$50.00$50.0010/11/2010 3:13:20 PM
orgy63$25.00$25.0010/11/2010 3:10:49 PM
mizon291$50.00$50.0010/11/2010 11:32:45 PM
All_Wins$25.00$25.0010/12/2010 8:04:51 AM
natural-greenback6$25.00$25.0010/11/2010 8:12:49 PM
BangBros$50.00$50.0010/12/2010 9:33:09 AM
money-corps8$100.00$100.0010/12/2010 9:33:17 AM
Beachbum27$25.00$25.0010/12/2010 10:28:42 AM
diversification-pilot$25.00$25.0010/12/2010 10:41:54 AM
MissionMicroFinance$25.00$25.0010/12/2010 10:25:06 AM
ChicagoBoyz$25.00$25.0010/12/2010 12:18:02 PM
Lender0424$50.00$50.0010/12/2010 11:53:32 AM
wacko82$100.00$100.0010/12/2010 11:37:54 AM
excellent-greenback$50.00$50.0010/12/2010 2:12:56 PM
kegs$150.00$150.0010/12/2010 12:36:51 PM
Sefotonga$25.00$25.0010/12/2010 4:32:47 PM
SafeSaxa$50.00$50.0010/12/2010 3:44:10 PM
visionary-currency$50.00$50.0010/12/2010 5:13:46 PM
piper1636$50.00$50.0010/12/2010 9:31:14 PM
KiwiElf$35.00$35.0010/13/2010 12:51:56 AM
midde551$50.00$50.0010/12/2010 5:32:45 PM
hrubinst$46.89$46.8910/13/2010 1:19:06 AM
nalaari$25.00$25.0010/13/2010 1:34:07 AM
wise-silver-wonder$25.00$25.0010/13/2010 1:34:38 AM
Importexport$200.00$200.0010/12/2010 10:06:47 PM
Leshan$25.00$25.0010/13/2010 7:51:42 AM
mmckune$25.00$25.0010/13/2010 1:04:35 AM
Easystreet$25.00$25.0010/13/2010 1:04:47 AM
dmfog$25.00$25.0010/13/2010 9:14:08 AM
catterpillar$50.00$50.0010/13/2010 9:29:13 AM
agalt$100.00$100.0010/13/2010 8:28:07 AM
important-dollar1$25.00$25.0010/13/2010 9:39:12 AM
Tasmir$25.00$25.0010/13/2010 9:40:41 AM
rudyindc$25.00$25.0010/13/2010 9:42:06 AM
cool_kubera$50.00$50.0010/13/2010 9:42:11 AM
calm-deal7$25.00$25.0010/13/2010 9:14:11 AM
mistertao$25.00$25.0010/13/2010 9:42:16 AM
bullwink27$25.00$25.0010/13/2010 9:42:21 AM
Brainworm$25.00$25.0010/13/2010 1:54:13 AM
kalb002$50.00$50.0010/13/2010 9:42:23 AM
greenback-museum$25.00$25.0010/13/2010 9:49:20 AM
freetimeskier$50.00$50.0010/13/2010 9:40:52 AM
roman2008$25.00$25.0010/13/2010 9:42:05 AM
SAGE88$50.00$50.0010/13/2010 9:42:09 AM
Ocean713$46.18$46.1810/13/2010 9:42:17 AM
compatible-diversification$25.00$25.0010/13/2010 9:42:26 AM
bigphish$25.00$25.0010/13/2010 10:03:07 AM
RationalWorld$25.00$25.0010/13/2010 10:03:32 AM
teller$50.00$50.0010/13/2010 10:03:48 AM
orange-resolute-platinum$25.00$25.0010/13/2010 10:04:14 AM
inventive-exchange$25.00$25.0010/13/2010 10:13:18 AM
handshake5$100.00$100.0010/13/2010 9:49:49 AM
shur$25.00$25.0010/13/2010 10:03:33 AM
peace-maximizer8$25.00$25.0010/13/2010 10:03:44 AM
eadamson$50.00$50.0010/13/2010 10:13:37 AM
buckyhead2000$25.00$25.0010/13/2010 9:29:09 AM
truth-magician1$46.85$46.8510/13/2010 10:29:13 AM
anything-but-ordinary$25.00$25.0010/13/2010 11:04:47 AM
6moonbeams$200.00$200.0010/13/2010 9:30:46 AM
power-kin$50.00$50.0010/13/2010 9:40:43 AM
reward-planetarium$100.00$100.0010/13/2010 9:40:50 AM
titan1$25.00$25.0010/13/2010 9:41:09 AM
suk200$25.00$25.0010/13/2010 9:42:06 AM
dparkhom$25.00$25.0010/13/2010 9:42:12 AM
x-bones$50.00$50.0010/13/2010 9:42:27 AM
bodascafe$25.00$25.0010/13/2010 9:42:31 AM
hermosaloan$25.00$25.0010/13/2010 9:43:40 AM
Ready2Loan$25.00$25.0010/13/2010 11:30:09 AM
bonus-tent$25.00$25.0010/13/2010 9:49:21 AM
kegs$200.00$200.0010/13/2010 10:02:03 AM
natural-affluence6$50.00$50.0010/13/2010 10:03:51 AM
Superc0ld$50.00$50.0010/13/2010 10:04:17 AM
DeutscheBank$25.00$25.0010/13/2010 10:53:54 AM
enriching-capital$46.85$46.8510/13/2010 11:22:57 AM
social-zebra$26.00$26.0010/13/2010 1:29:31 PM
revenue-appraiser$25.00$25.0010/13/2010 1:41:56 PM
269 bids
 
Borrower Payment Dependent Notes Series 478927
This series of Notes was issued and sold upon the funding of the borrower loan #45039, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-19-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $143.83
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $143.83
 
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: Oct-1983 Debt/Income ratio: 33%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 16 / 12Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 55Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,128 
Delinquencies in last 7y: 26 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: power-bopper8 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Putting a new roof on
Purpose of loan:
This loan will be used to put a new roof on my house before winter

My financial situation:
I am a good candidate for this loan because I always pay my debts back even when I have to do without to get this done

Monthly net income: $ 4200?

Monthly expenses: $ 3000????
??Housing: $ 1250 includes insurance and taxes
??Insurance: $
??Car expenses: $400?
??Utilities: $?300 includes phone, tv, electric, water, sewer
??Phone, cable, internet: $
??Food, entertainment: $ 50?
??Clothing, household expenses $?50
??Credit cards and other loans: $ 600
??Other expenses: $ 350
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you please explain what are the delinquencies listed in your credit report? - thankful-nickel2
A: I let myself get in 60000 dollars worth of credit card debt. I decided to start getting out of debt so I called the credit card companies and they told me they could not work with me until I was 3 or 4 months behind on my payments. I did this and then when the credit ccard companiy's collection agencies called me, I worked out deals and got all of them paid off but 2. These 2 I am making interest free payments to. I know this hurt my credit but it was my best option at the time. (Oct-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bid-czar8$25.00$25.0010/12/2010 9:59:03 AM
tech310$50.00$50.0010/12/2010 10:02:34 AM
ingenious-deal6$25.00$25.0010/12/2010 10:01:04 AM
noble-revenue$100.00$100.0010/12/2010 3:48:43 PM
radiant-loan5$100.00$100.0010/12/2010 4:03:19 PM
teller$50.00$50.0010/12/2010 6:19:14 PM
frogperson$250.00$250.0010/12/2010 10:09:25 PM
TakeCare$60.00$60.0010/13/2010 10:54:58 AM
BrLender$25.00$25.0010/13/2010 10:13:55 PM
MadHun$100.00$100.0010/14/2010 8:54:11 AM
anton$300.00$300.0010/14/2010 2:36:17 PM
gentle-social0$25.00$25.0010/14/2010 9:17:48 PM
Wellman$50.00$50.0010/15/2010 6:31:44 AM
Cromag$25.00$25.0010/15/2010 7:12:11 AM
red-power-pecan$50.00$50.0010/15/2010 9:11:47 AM
EBITDA$25.00$25.0010/15/2010 4:08:25 PM
graceful-investment$100.00$100.0010/15/2010 4:18:29 PM
best-unbeatable-transaction$25.00$25.0010/16/2010 2:38:09 PM
reward-adventure$50.00$50.0010/17/2010 4:26:37 PM
thorough-exchange4$50.00$50.0010/17/2010 6:34:39 PM
SolarMoonshine$25.00$25.0010/17/2010 6:26:37 PM
jigsaw$50.00$50.0010/18/2010 5:29:12 AM
honorable-yield$25.00$25.0010/18/2010 7:24:57 AM
orderly-leverage$50.00$50.0010/18/2010 11:40:09 AM
tearingstar$25.00$25.0010/18/2010 3:42:51 PM
ivadood$100.00$100.0010/18/2010 4:44:45 PM
first-listing-expert$25.00$11.7310/18/2010 5:18:08 PM
the-upbeat-p2p$50.00$50.0010/18/2010 5:32:05 PM
MathProfessor$25.00$25.0010/18/2010 8:08:16 PM
Bob450$25.00$25.0010/18/2010 9:39:03 PM
benefit-boots$25.00$25.0010/18/2010 8:26:01 PM
proton346$25.00$25.0010/18/2010 9:10:15 PM
glenium$25.00$25.0010/19/2010 3:47:14 AM
Leshan$25.00$25.0010/19/2010 8:19:00 AM
leverage-monger$25.00$25.0010/19/2010 9:36:14 AM
wlm3012$25.00$25.0010/19/2010 8:58:34 AM
papaloha$25.00$25.0010/12/2010 9:53:05 AM
natural-greenback6$25.00$25.0010/12/2010 10:07:38 AM
crenen139$25.00$25.0010/12/2010 10:30:31 AM
handshake5$100.00$100.0010/12/2010 3:04:42 PM
worthy-bid8$25.00$25.0010/12/2010 5:23:33 PM
AlexTrep$50.00$50.0010/12/2010 4:48:34 PM
shrewd-peace7$50.00$50.0010/12/2010 4:58:48 PM
loyalist1$50.00$50.0010/13/2010 8:58:54 AM
all_of_that_one$30.00$30.0010/13/2010 12:32:44 PM
musegaze$100.00$100.0010/14/2010 5:33:15 PM
NoCal$30.00$30.0010/15/2010 11:54:42 AM
money-bauble$100.00$100.0010/15/2010 1:08:48 PM
Land_on_your_feet$50.00$50.0010/15/2010 4:02:10 PM
mrladybug101$42.66$42.6610/15/2010 6:13:23 PM
takingachance$44.61$44.6110/16/2010 11:25:09 AM
inspiring-reward$100.00$100.0010/16/2010 10:30:06 AM
shmb6508$50.00$50.0010/16/2010 12:59:09 PM
helping-out$100.00$100.0010/18/2010 8:13:09 AM
zwd12$100.00$100.0010/18/2010 9:46:03 AM
neorunner$25.00$25.0010/18/2010 1:28:48 PM
HedgeFund$50.00$50.0010/18/2010 4:21:05 PM
Shepherd7$50.00$50.0010/18/2010 4:13:53 PM
lobstahlender$25.00$25.0010/18/2010 4:47:56 PM
bayshipping$25.00$25.0010/18/2010 5:10:30 PM
thankful-nickel2$25.00$25.0010/18/2010 7:45:54 PM
sturdy-peace9$75.00$75.0010/18/2010 8:40:03 PM
moola-escalator$50.00$50.0010/18/2010 8:36:54 PM
scroooge$25.00$25.0010/19/2010 3:29:14 AM
ultimate-peace$31.00$31.0010/19/2010 8:58:13 AM
65 bids
 
Borrower Payment Dependent Notes Series 479191
This series of Notes was issued and sold upon the funding of the borrower loan #44998, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Oct-19-2010 
  Auction end date:  Oct-26-2010 
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $340.08
Final lender yield: 12.65% Final borrower rate/APR: 13.65% / 15.80% Final monthly payment: $340.08
 
Auction yield range: 5.71% - 12.65% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1975 Debt/Income ratio: Not calculated
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,613Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: TeddyPatrick Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 780-799 (Latest)
Principal borrowed: $2,300.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2009)
680-699 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Paying Mom's Medical Expense
Purpose of loan:
This loan will be used to?? Pay my mother's medical expense after she?had a stroke and needed long term care last year. ?

My financial situation:
I am a good candidate for this loan because I am selling the 2007 Camry Hybrid and will pay the loan back in full when it sells.? I also have lease income and monthly income to pay this, it is rental income from the ranch and it can not be counted, as per the guidelines.
My current FICO score is now at 799 and has risen from 680 in the last 3 years as I have paid all debt off and purchased a car and paid my home off in full.? Credit History is good.? The reported dlinquencies are disputed.? One is for Shell and they just have started to report me as being late 120 days back in 2008 for no reason. The other was Lockheed Federal Credit Union which reported me late when I was on disability and the disability payments were late in making the Visa payments.? I have hired an attorney and am taking care of both situations now. I own my home and I I can't see where to change that.
Monthly net income: $ 5,500

Monthly expenses: $ 2,445
??Housing: $ 1,250
??Insurance: $ 85
??Car expenses: $?100
??Utilities: $?150
??Phone, cable, internet: $ 120
??Food, entertainment: $ 250
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 0
??Other expenses: $340?? Mom's medical bill.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Weaverville$50.00$50.0010/19/2010 3:39:54 PM
radforj22$25.00$25.0010/19/2010 3:39:44 PM
bowdish1$50.00$50.0010/19/2010 3:48:11 PM
cybernosha$25.00$25.0010/19/2010 3:48:46 PM
delicious-social132$50.00$50.0010/19/2010 3:49:04 PM
mike_banker$50.00$50.0010/19/2010 3:47:28 PM
jdwillcox$50.00$50.0010/19/2010 3:47:35 PM
handshake5$100.00$100.0010/19/2010 3:51:08 PM
TakeCare$80.00$80.0010/19/2010 3:51:33 PM
williemc44$50.00$50.0010/19/2010 3:51:59 PM
worthy-bid8$100.00$100.0010/19/2010 3:49:43 PM
generous-deal6$50.00$50.0010/19/2010 3:49:55 PM
GElender$50.00$50.0010/19/2010 3:52:10 PM
bid-czar8$50.00$50.0010/19/2010 3:50:42 PM
kmr2$200.00$200.0010/19/2010 3:53:22 PM
efficient-treasure0$25.00$25.0010/19/2010 3:55:03 PM
wings2fly$25.00$25.0010/19/2010 3:55:38 PM
teller$50.00$50.0010/19/2010 3:59:41 PM
orangetrust$100.00$100.0010/19/2010 3:56:35 PM
mla$25.00$25.0010/19/2010 3:56:55 PM
enthusiastic-balance5$100.00$100.0010/19/2010 4:02:03 PM
C_Mark$100.00$100.0010/19/2010 3:58:44 PM
Clambake$50.00$50.0010/19/2010 3:56:25 PM
reward-tsunami7$50.00$50.0010/19/2010 3:59:12 PM
mjunlimited$50.00$50.0010/19/2010 4:00:09 PM
HedgeFund$50.00$50.0010/19/2010 3:57:45 PM
JustMee$25.00$25.0010/19/2010 5:26:39 PM
Gabriel02$25.00$25.0010/19/2010 7:07:07 PM
silver-armada$50.00$50.0010/20/2010 5:04:37 AM
larrybird$150.00$150.0010/20/2010 11:10:05 AM
mtquan$25.00$25.0010/20/2010 11:10:15 AM
peb44$25.00$25.0010/20/2010 11:13:41 AM
SelectTrustLending$25.00$25.0010/20/2010 12:47:07 PM
BuffetRocks$50.00$50.0010/20/2010 3:46:28 PM
ti22ring$25.00$25.0010/20/2010 4:37:38 PM
innocent-income4$25.00$25.0010/20/2010 5:15:56 PM
AK49-JW$25.00$25.0010/20/2010 5:34:15 PM
truth-magma$25.00$25.0010/20/2010 9:49:18 PM
kenji4861$25.00$25.0010/20/2010 9:41:51 PM
maldok1$25.00$25.0010/21/2010 1:21:16 AM
natural-affluence4$25.00$25.0010/21/2010 9:35:26 AM
comet55$25.00$25.0010/21/2010 9:48:23 AM
Occhy$25.00$25.0010/21/2010 10:25:43 AM
bambampk$25.00$25.0010/21/2010 11:28:21 AM
point-shooter$50.00$50.0010/21/2010 2:42:41 PM
Eagledrop$25.00$25.0010/21/2010 6:34:28 PM
nytrnbow$25.00$25.0010/21/2010 6:39:52 PM
Interloper$35.00$35.0010/22/2010 2:15:35 AM
hookUup$41.53$41.5310/22/2010 8:26:07 AM
FigTree$50.00$50.0010/22/2010 10:10:29 AM
omerta6102$50.00$50.0010/22/2010 10:22:03 AM
escharfer$25.00$25.0010/22/2010 10:26:37 AM
reueljw$25.00$25.0010/22/2010 10:28:59 AM
Mark0135$50.00$50.0010/22/2010 12:20:13 PM
Banker7371$25.00$25.0010/22/2010 12:53:58 PM
excellent-nickel$43.74$43.7410/22/2010 2:22:11 PM
skuba$50.00$50.0010/22/2010 5:46:56 PM
IIP77$25.00$25.0010/22/2010 5:53:09 PM
Easystreet$25.00$25.0010/22/2010 6:51:15 PM
brother_tam$50.00$50.0010/23/2010 2:56:40 AM
irrelevant$25.00$25.0010/23/2010 3:42:04 AM
rmachi$25.00$25.0010/23/2010 8:30:41 AM
herbyman$50.00$50.0010/23/2010 10:04:40 AM
tsui517$25.00$25.0010/23/2010 10:03:54 AM
designs626$27.48$27.4810/23/2010 2:07:32 PM
gallant-economy9$25.00$25.0010/23/2010 12:21:50 PM
deal-vibrato$50.00$50.0010/23/2010 12:14:57 PM
racing777$50.00$50.0010/23/2010 4:13:14 PM
CAGE-Investments$25.00$25.0010/23/2010 2:52:04 PM
chemistry220$50.00$50.0010/23/2010 2:52:13 PM
the-upbeat-p2p$50.00$50.0010/23/2010 3:42:03 PM
Interstate_Rate$45.21$45.2110/23/2010 3:34:17 PM
saysana$25.00$25.0010/23/2010 5:59:13 PM
TheAlchemist$25.00$25.0010/23/2010 7:02:30 PM
Rick21$49.86$49.8610/23/2010 10:42:20 PM
intuitive-bill$25.00$25.0010/24/2010 12:13:57 AM
jrbill1998$50.00$50.0010/24/2010 10:32:46 AM
excellent-community$50.00$50.0010/24/2010 7:49:39 AM
anyoi$25.00$25.0010/24/2010 9:49:24 AM
neutrino6$25.00$25.0010/24/2010 8:12:15 AM
Sixmil$26.97$26.9710/24/2010 10:45:35 AM
sweet-peace3$25.00$25.0010/24/2010 1:16:49 PM
tenacious-compassion9$25.00$25.0010/24/2010 11:17:18 AM
tearingstar$25.00$25.0010/24/2010 3:16:49 PM
twjh$25.00$25.0010/24/2010 5:50:53 PM
MoxiePop$25.00$25.0010/24/2010 8:01:23 PM
orderly-leverage$31.58$31.5810/24/2010 8:06:09 PM
bold-yield-rumbler$25.00$25.0010/24/2010 7:51:55 PM
Adam_00$34.24$34.2410/24/2010 9:36:49 PM
moola-wildebeest3$25.00$25.0010/25/2010 5:56:02 AM
important-ore$100.00$100.0010/25/2010 3:24:07 AM
gqrob$25.00$25.0010/25/2010 3:31:31 AM
upbeat-investment9$34.91$34.9110/25/2010 7:13:49 AM
jleng$25.00$25.0010/25/2010 3:30:47 AM
All_Wins$25.00$25.0010/25/2010 7:14:33 AM
coin-investor$25.00$25.0010/25/2010 5:18:29 AM
jamiee73$25.00$25.0010/25/2010 6:08:49 AM
outofoffice$50.00$50.0010/25/2010 8:30:12 AM
108lender$32.83$32.8310/25/2010 8:41:01 AM
bazaar-winner$50.00$50.0010/25/2010 9:37:49 AM
Wilcat77$50.00$50.0010/25/2010 9:38:31 AM
lovely-benefit7$25.00$25.0010/25/2010 9:44:10 AM
dinero-launcher$25.00$25.0010/25/2010 9:28:07 AM
Mariner3605$28.79$28.7910/25/2010 9:56:43 AM
niono$50.00$50.0010/25/2010 9:36:51 AM
calm-deal7$25.00$25.0010/25/2010 10:54:53 AM
systemlender$100.00$100.0010/25/2010 11:00:28 AM
Attract$25.00$25.0010/25/2010 10:42:17 AM
masonn$50.00$50.0010/25/2010 10:15:51 AM
anti-wall-st$82.82$82.8210/25/2010 11:30:14 AM
discrete-asset$25.00$25.0010/25/2010 11:48:49 AM
thankful-nickel2$25.00$25.0010/25/2010 1:46:50 PM
thebadpelican$25.00$25.0010/25/2010 3:56:20 PM
oreyedoc$50.00$50.0010/25/2010 4:16:42 PM
beachbum22$25.00$25.0010/25/2010 4:57:30 PM
ballz694$25.00$25.0010/25/2010 8:05:55 PM
BankofRon$25.00$25.0010/25/2010 9:57:51 PM
orange-dollar-guild$25.00$25.0010/26/2010 7:31:33 AM
wlm3012$25.00$25.0010/26/2010 8:06:42 AM
Feyenoord$25.00$25.0010/26/2010 10:44:18 AM
bonus-maximizer919$50.00$50.0010/26/2010 9:43:37 AM
THEHORN$25.00$25.0010/26/2010 10:16:09 AM
nunnie$25.00$25.0010/19/2010 3:40:58 PM
authentic-liberty7$25.00$25.0010/19/2010 3:46:24 PM
rescue$100.00$100.0010/19/2010 3:42:09 PM
alpinaut$25.00$25.0010/19/2010 3:39:25 PM
objective-investor$100.00$100.0010/19/2010 3:47:54 PM
papaloha$100.00$100.0010/19/2010 3:46:16 PM
DRA-Properties$25.00$25.0010/19/2010 3:47:15 PM
MadHun$100.00$100.0010/19/2010 3:52:21 PM
bountiful-durability$100.00$100.0010/19/2010 3:47:03 PM
jeg3k$50.00$50.0010/19/2010 3:49:28 PM
ichibon$150.00$150.0010/19/2010 3:48:30 PM
greentomato$25.00$25.0010/19/2010 3:48:44 PM
payout-achievement$100.00$100.0010/19/2010 3:49:17 PM
Sevron$100.00$100.0010/19/2010 3:52:38 PM
enthralling-deal180$50.00$50.0010/19/2010 3:53:04 PM
ray1051$25.00$25.0010/19/2010 3:53:38 PM
graceful-investment$100.00$100.0010/19/2010 3:54:50 PM
successful-agreement7$100.00$100.0010/19/2010 3:58:59 PM
j2ee$25.00$25.0010/19/2010 3:55:59 PM
psa1995$50.00$50.0010/19/2010 3:59:59 PM
jazzlender$25.00$25.0010/19/2010 3:55:14 PM
loan-mammal$25.00$25.0010/19/2010 4:01:43 PM
don8ter$25.00$25.0010/19/2010 4:00:42 PM
JohnGalt79$100.00$100.0010/19/2010 6:41:58 PM
studious-bonus7$100.00$100.0010/19/2010 7:10:19 PM
life-is-great$50.00$50.0010/20/2010 12:46:25 AM
ogmanny$50.00$50.0010/20/2010 1:47:10 AM
suave-dime6$25.00$25.0010/20/2010 7:53:22 AM
a-finance-nirvana$25.00$25.0010/20/2010 8:37:03 AM
blue-useful-auction$25.00$25.0010/20/2010 9:30:27 AM
crenen139$25.00$25.0010/20/2010 9:37:54 AM
Quiddity$50.00$50.0010/20/2010 9:50:39 AM
income-titan8$30.00$30.0010/20/2010 11:10:03 AM
techvet$50.00$50.0010/20/2010 11:15:25 AM
the-money-position$50.00$50.0010/20/2010 12:33:57 PM
bold-durability-drum$50.00$50.0010/20/2010 4:14:19 PM
the-profit-oracle$25.00$25.0010/21/2010 2:10:02 AM
helping-out$38.24$38.2410/21/2010 6:32:45 AM
schpere$74.15$74.1510/21/2010 9:07:44 AM
vigorous-velocity$100.00$100.0010/21/2010 9:46:15 AM
54CHEVY$50.00$50.0010/21/2010 3:58:13 PM
platinum-hunter7$25.00$25.0010/21/2010 5:29:43 PM
equitable-yield4$25.00$25.0010/22/2010 8:08:15 AM
SimpleChoice$25.00$25.0010/22/2010 6:52:12 AM
Zoramite$25.00$25.0010/22/2010 9:26:29 AM
duty-starfish8$50.00$50.0010/22/2010 10:05:01 AM
ready-vigilance3$50.00$50.0010/22/2010 10:11:02 AM
supersarah61$25.00$25.0010/22/2010 10:26:35 AM
Tradesmanlender$25.00$25.0010/22/2010 10:26:29 AM
Railbird$25.00$25.0010/22/2010 10:28:11 AM
justice-dna$25.00$25.0010/22/2010 10:43:25 AM
pleasant-basis$25.00$25.0010/22/2010 10:42:49 AM
nickel-hickory$25.00$25.0010/22/2010 11:10:39 AM
Ripsaw4U$50.00$50.0010/22/2010 10:41:33 AM
rapid-credit428$25.00$25.0010/22/2010 1:19:14 PM
jigsaw$29.66$29.6610/22/2010 1:30:13 PM
impartial-deal$25.00$25.0010/22/2010 2:11:43 PM
FadSaolAgat$50.00$50.0010/22/2010 4:28:39 PM
valiant-liberty4$25.00$25.0010/22/2010 7:25:40 PM
ivadood$25.00$25.0010/22/2010 10:48:43 PM
anders94$25.00$25.0010/23/2010 2:56:12 AM
mizount$25.00$25.0010/23/2010 6:02:13 AM
blissful-note7$25.00$25.0010/23/2010 8:54:32 AM
aggielender$25.00$25.0010/23/2010 9:18:44 AM
marketplace-cello5$50.00$50.0010/23/2010 8:36:33 AM
McRowdy$25.00$25.0010/23/2010 4:13:21 PM
auction-formula$31.68$31.6810/23/2010 1:30:48 PM
thoughtful-community7$25.00$25.0010/23/2010 4:46:45 PM
kegs$25.00$25.0010/23/2010 3:47:59 PM
Go_Ducks$25.00$25.0010/23/2010 11:58:27 PM
KileNSmyth4$80.00$80.0010/24/2010 9:49:29 AM
adir1$25.00$25.0010/24/2010 8:49:38 AM
the-debt-fluffy-bunny$25.00$25.0010/24/2010 9:50:26 AM
wdworld$37.00$37.0010/24/2010 1:31:17 PM
TrustPlus$50.00$50.0010/24/2010 3:21:07 PM
Ivan2007$25.00$25.0010/24/2010 4:12:55 PM
usd1027$25.00$25.0010/24/2010 5:24:38 PM
scottr$25.00$25.0010/24/2010 3:16:40 PM
fairness-kayak$26.64$26.6410/24/2010 7:19:39 PM
Goodthing$100.00$100.0010/24/2010 7:36:14 PM
chlebie$50.00$50.0010/24/2010 9:03:51 PM
teejay411$25.00$25.0010/24/2010 7:50:57 PM
five-star-bid2$50.00$50.0010/24/2010 10:00:30 PM
superchicken$25.00$25.0010/24/2010 8:34:37 PM
mizon291$25.00$25.0010/25/2010 12:30:47 AM
diversification-pilot$25.00$25.0010/24/2010 9:33:00 PM
srgriff$25.00$25.0010/24/2010 10:03:16 PM
p2p-voltage$25.00$25.0010/25/2010 4:48:26 AM
Panna$25.00$25.0010/24/2010 10:34:35 PM
tntmojave$25.00$25.0010/25/2010 5:44:55 AM
important-dollar1$25.00$25.0010/25/2010 7:14:52 AM
wacko82$25.00$25.0010/25/2010 5:56:01 AM
zaxsan$27.72$27.7210/25/2010 8:26:43 AM
flwah$25.00$25.0010/25/2010 8:23:21 AM
unassassinable$25.00$25.0010/25/2010 9:07:13 AM
Ready2Loan$25.00$25.0010/25/2010 9:45:41 AM
flexible-vigilance7$25.00$25.0010/25/2010 8:40:55 AM
leeball$38.13$38.1310/25/2010 9:57:04 AM
mlb1$25.00$25.0010/25/2010 9:42:21 AM
Hondo$25.00$25.0010/25/2010 10:43:51 AM
GCInvestments$25.00$25.0010/25/2010 10:08:44 AM
lostontheedge$25.00$25.0010/25/2010 9:43:29 AM
greenback-museum$25.00$25.0010/25/2010 9:56:01 AM
point-kitten6$50.00$50.0010/25/2010 9:58:03 AM
lively-hope28$50.00$50.0010/25/2010 11:48:56 AM
thezfunk$25.00$25.0010/25/2010 10:42:19 AM
army-daddy$30.00$30.0010/25/2010 10:54:54 AM
Slend49$25.00$25.0010/25/2010 10:43:35 AM
newegg$47.70$40.4610/25/2010 10:56:35 AM
gracej$25.00$25.0010/25/2010 11:49:22 AM
deal-enrichment$36.36$36.3610/25/2010 3:46:12 PM
red-favorable-basis$25.00$25.0010/25/2010 4:08:18 PM
cash-surge$25.00$25.0010/25/2010 4:31:45 PM
money-bauble$100.00$100.0010/25/2010 6:27:42 PM
Davidson2$50.00$50.0010/25/2010 6:57:56 PM
head$25.00$25.0010/26/2010 3:17:52 AM
sunnygee$30.00$30.0010/26/2010 8:35:47 AM
patriot897$25.00$25.0010/26/2010 9:16:27 AM
historic-loan1$25.00$25.0010/26/2010 9:44:35 AM
peaceful-bazaar497$30.00$30.0010/26/2010 7:23:38 AM
danerman$25.00$25.0010/26/2010 11:17:43 AM
dajen1$50.00$50.0010/26/2010 10:11:52 AM
244 bids
 
Borrower Payment Dependent Notes Series 479441
This series of Notes was issued and sold upon the funding of the borrower loan #45007, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 9.80% Starting borrower rate/APR: 10.80% / 12.92% Starting monthly payment: $114.25
Final lender yield: 9.80% Final borrower rate/APR: 10.80% / 12.92% Final monthly payment: $114.25
 
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: Feb-2004 Debt/Income ratio: 14%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $167Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: herlitzp Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2008)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Income Property Upkeep
Purpose of loan:
This loan will be used to pay off some real estate tax. We had excess money saved up to pay off our taxes. However, we had what we thought was a "mold scare" so we spent our excess money to get the whole property tested. Turns out it wasn't mold at all. Wasn't even harmful. But, at least now we know. Only problem is we had to spend the money we had saved for our taxes on the "mold" testing. We will have to problem paying this back. After expenses we make $700 profit on this property.

My financial situation:
I am a good candidate for this loan because I always pay off my debts. I just recently paid off a $4000 credit card bill from school and medical expenses. I did it in one lump sum by saving extra pennies. Either way I'm not in a huge bind here. If I can't get the taxes paid the debt just gets sold off to a tax buyer and I just have to pay them back with interest. I just assume I'm going to get a much better interest rate here. So, bid away!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rescue$50.00$50.0010/12/2010 3:33:02 PM
papaloha$100.00$100.0010/12/2010 3:33:37 PM
studious-bonus7$100.00$100.0010/12/2010 3:34:10 PM
ichibon$150.00$150.0010/12/2010 3:34:54 PM
bambampk$25.00$25.0010/12/2010 3:35:07 PM
murph0025$40.00$40.0010/12/2010 3:35:20 PM
alpinaut$25.00$25.0010/12/2010 3:33:22 PM
payout-achievement$40.00$40.0010/12/2010 3:33:23 PM
sweet-social2$33.00$33.0010/12/2010 3:33:54 PM
DRA-Properties$25.00$25.0010/12/2010 3:34:07 PM
kmr2$132.19$132.1910/12/2010 3:34:36 PM
forthright-dedication$50.00$50.0010/12/2010 3:53:40 PM
jeg3k$50.00$50.0010/12/2010 3:36:06 PM
loan-mammal$25.00$25.0010/12/2010 3:36:25 PM
Interstate_Rate$100.00$100.0010/12/2010 3:48:15 PM
mla$25.00$25.0010/12/2010 3:53:30 PM
Weaverville$50.00$50.0010/12/2010 3:33:15 PM
bountiful-durability$100.00$100.0010/12/2010 3:34:04 PM
ogmanny$50.00$50.0010/12/2010 3:34:32 PM
tolerant-dinero2$25.00$25.0010/12/2010 3:34:50 PM
greentomato$25.00$25.0010/12/2010 3:35:01 PM
nunnie$25.00$25.0010/12/2010 3:35:36 PM
crenen139$25.00$25.0010/12/2010 3:36:16 PM
RandyL3$25.00$25.0010/12/2010 5:03:33 PM
zenchef$25.00$25.0010/12/2010 5:48:05 PM
exchange-squirrel$50.00$50.0010/13/2010 12:46:26 AM
bondhedger$25.00$25.0010/13/2010 1:36:53 AM
wwwUniversal$25.00$25.0010/13/2010 1:37:19 AM
Personal-Bond$50.38$50.3810/13/2010 1:42:36 AM
atomantic$25.00$25.0010/13/2010 10:21:57 AM
forthright-principal2$25.00$25.0010/13/2010 10:56:21 AM
platinum-hunter7$60.00$60.0010/13/2010 2:28:16 PM
grampy48$25.00$25.0010/14/2010 2:31:48 PM
credit-guard5$25.00$25.0010/14/2010 3:05:41 PM
thrilling-nickel5$27.00$27.0010/15/2010 6:18:36 AM
renov8n2retire$100.00$100.0010/15/2010 4:03:32 AM
turbospeed$25.00$25.0010/12/2010 3:33:05 PM
radforj22$25.00$25.0010/12/2010 3:33:08 PM
Gabriel02$25.00$25.0010/12/2010 3:33:11 PM
meenan$25.00$25.0010/12/2010 3:33:47 PM
jazzlender$25.00$25.0010/12/2010 3:34:13 PM
jdwillcox$50.00$50.0010/12/2010 3:34:25 PM
mjunlimited$50.00$50.0010/12/2010 3:35:46 PM
danthemon35$25.00$25.0010/12/2010 3:33:18 PM
Bio-physicist$25.00$25.0010/12/2010 3:43:52 PM
buukyak$25.00$25.0010/12/2010 3:33:39 PM
authentic-liberty7$25.00$25.0010/12/2010 3:33:44 PM
objective-investor$100.00$100.0010/12/2010 3:34:39 PM
JohnGalt79$100.00$100.0010/12/2010 3:34:42 PM
bowdish1$50.00$50.0010/12/2010 3:34:46 PM
fairness-kayak$25.00$25.0010/12/2010 3:53:22 PM
delicious-social132$50.00$50.0010/12/2010 3:35:23 PM
6moonbeams$200.00$200.0010/12/2010 3:35:34 PM
enthusiastic-balance5$97.58$97.5810/12/2010 3:35:51 PM
funnymoney1$25.00$19.6910/12/2010 4:09:10 PM
blue-useful-auction$25.00$25.0010/12/2010 4:14:05 PM
tntmojave$25.00$25.0010/12/2010 3:34:59 PM
natural-greenback6$25.00$25.0010/12/2010 3:35:56 PM
jigsaw$100.00$100.0010/12/2010 3:36:00 PM
moola-wildebeest3$50.00$50.0010/12/2010 3:36:18 PM
payout-reaction740$25.00$25.0010/12/2010 5:28:21 PM
selector568$350.16$350.1610/13/2010 1:38:17 AM
credit-panda1$25.00$25.0010/13/2010 12:53:34 AM
TwinCities$25.00$25.0010/13/2010 6:23:09 AM
indianoven$50.00$50.0010/13/2010 2:47:48 PM
affluence-tambourine$25.00$25.0010/13/2010 7:37:30 PM
gotbyu$50.00$50.0010/14/2010 2:04:02 AM
67 bids
 
Borrower Payment Dependent Notes Series 479451
This series of Notes was issued and sold upon the funding of the borrower loan #45001, 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-14-2010 
  Auction end date:  Oct-21-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $173.69
Final lender yield: 13.30% Final borrower rate/APR: 14.30% / 16.46% Final monthly payment: $171.62
 
Auction yield range: 5.71% - 14.15% Estimated loss impact: 6.17%  
Lender servicing fee: 1.00% Estimated return: 7.13%  
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: Jun-1991 Debt/Income ratio: 7%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 21 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,098Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: orange-forthright-income Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest credit
Purpose of loan:
This loan will be used to payoff?high interest credit card debt.? The?following credit cards:
JC Penney $600,?Sears $1,962, AMEX $1850 and hospital bill of $588.? I have cut up my Sears?and JC Penney credit cards and no longer have them to use.? The average interest on my credit debt is 30% or 2.5% per month ont he balance.

My financial situation:
I am a good candidate for this loan because I have been consistently employed for 20 years with the same employer. ?I pay my bills on time and I am trying to get out?from under 30% credit card debt and the credit card companies will not reduce my interest rates.
Monthly net income: $4,500

Monthly expenses: $4,500
??Housing: $ 1,143????
??Insurance: $ 192
??Car expenses: $ 236
??Utilities: $ 350????
??Phone, cable, internet: $135?
??Food, entertainment: $ 645
??Clothing, household expenses $369
??Credit cards and other loans: $?930
??Other expenses: $500
Information in the Description is not verified.
Friends And Family Winning Bids
titan1 has bid a total of $100.00 in winning bids.
1 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
BidderAmount BidAmount WinningBid Date (PT)
platinum-hunter7$25.00$25.0010/14/2010 4:17:02 PM
Bank_Of_XL$50.00$50.0010/14/2010 5:32:11 PM
RedCentre$31.75$31.7510/15/2010 1:38:20 AM
credit-guard5$25.00$25.0010/15/2010 7:44:18 PM
TheTimeIsNow$34.13$34.1310/16/2010 5:22:23 AM
AK49-JW$25.00$25.0010/16/2010 10:41:02 PM
thankful-nickel2$25.00$25.0010/17/2010 7:30:53 AM
Katherine12$25.00$25.0010/17/2010 11:09:18 AM
UncleSafety$82.55$82.5510/17/2010 4:34:12 PM
the-stylish-euro$50.00$50.0010/18/2010 4:23:45 AM
hookUup$100.00$100.0010/18/2010 5:38:17 PM
CK1$25.00$25.0010/19/2010 2:04:49 AM
CASSHMAN$50.00$50.0010/19/2010 11:09:02 AM
Nusk$30.00$30.0010/20/2010 12:32:54 AM
balance-chestnut$62.50$62.5010/20/2010 8:08:01 AM
marwadi-62$25.00$25.0010/20/2010 2:33:15 PM
texrob20$25.00$25.0010/20/2010 4:32:23 PM
BankofBeth$25.00$25.0010/20/2010 4:38:53 PM
best-listing-toro$25.00$25.0010/20/2010 5:00:09 PM
Feyenoord$25.00$25.0010/20/2010 7:48:01 PM
prohelper$28.22$28.2210/20/2010 7:58:11 PM
fcb202$50.00$50.0010/20/2010 7:59:04 PM
Gaelicman$100.00$100.0010/20/2010 8:13:47 PM
lakrav$25.00$25.0010/20/2010 6:18:35 PM
covie$50.00$50.0010/20/2010 6:41:07 PM
tdswellington$25.00$25.0010/20/2010 7:58:09 PM
notown$30.00$30.0010/20/2010 9:17:32 PM
Loan-Mart$100.00$100.0010/20/2010 7:24:37 PM
dpries123$25.00$25.0010/20/2010 9:14:07 PM
icecoldcash$100.00$100.0010/20/2010 7:57:21 PM
Richmp412$25.00$25.0010/20/2010 7:58:04 PM
velocity-winner$25.00$25.0010/20/2010 10:28:57 PM
elloboverde$25.00$25.0010/20/2010 10:24:23 PM
Brainworm$25.00$25.0010/21/2010 12:42:21 AM
zippy-revenue8$25.00$25.0010/21/2010 4:57:47 AM
Johnab$25.00$25.0010/21/2010 5:04:34 AM
rbotterbLLC$25.00$25.0010/21/2010 5:10:30 AM
rockhound84$25.00$25.0010/21/2010 2:28:50 AM
oldman68$25.00$25.0010/21/2010 4:27:54 AM
ScottFinance$25.00$25.0010/21/2010 6:37:05 AM
magee425$31.52$31.5210/21/2010 5:55:45 AM
bejfishing$25.00$25.0010/21/2010 6:11:57 AM
chrisb1414$25.00$25.0010/21/2010 5:55:53 AM
coin-explorer$25.00$25.0010/21/2010 8:11:16 AM
CashBank$25.00$25.0010/21/2010 8:29:15 AM
tuxedo76$35.00$35.0010/21/2010 10:46:49 AM
ezhik00$25.00$25.0010/21/2010 11:40:14 AM
revenue-appraiser$25.00$25.0010/21/2010 12:04:57 PM
COCHINOBOY$40.00$40.0010/21/2010 12:19:46 PM
SomebodysMom$100.00$100.0010/21/2010 12:21:34 PM
zztopdog$25.00$25.0010/21/2010 12:51:57 PM
Astyanax$100.00$100.0010/21/2010 1:21:17 PM
social-zebra$27.00$27.0010/21/2010 1:25:43 PM
n2fitns$50.00$50.0010/21/2010 1:37:11 PM
honey-money$30.00$30.0010/21/2010 1:39:58 PM
blue-useful-auction$25.00$25.0010/21/2010 2:00:24 PM
Engineer44$25.00$25.0010/21/2010 2:06:23 PM
DDPrime$100.00$100.0010/14/2010 2:24:53 PM
RandyL3$25.00$25.0010/14/2010 2:25:00 PM
seineil$36.23$36.2310/14/2010 2:34:00 PM
tolerant-dinero2$25.00$25.0010/14/2010 2:26:20 PM
thrilling-nickel5$26.00$26.0010/15/2010 6:08:07 AM
kander80$25.00$25.0010/15/2010 3:58:46 PM
JeramyU$25.00$25.0010/16/2010 9:12:53 AM
AK49-JW$25.00$25.0010/16/2010 10:41:30 PM
MonkeyHero$25.00$25.0010/17/2010 8:17:04 AM
point-mastery$50.00$50.0010/18/2010 4:05:51 AM
Land_on_your_feet$50.00$50.0010/18/2010 6:06:27 AM
peso-fortress$25.00$25.0010/18/2010 7:21:50 AM
rob095$25.00$25.0010/18/2010 7:38:56 AM
interstellar$50.00$50.0010/18/2010 9:37:37 AM
investment-artist$25.00$25.0010/18/2010 10:44:37 AM
FundMaker$25.00$25.0010/18/2010 11:41:52 AM
FinanceEngine$30.00$30.0010/18/2010 2:45:31 PM
BrLender$25.00$25.0010/18/2010 3:37:30 PM
jayk63$25.00$25.0010/18/2010 7:17:36 PM
Roundhouse$100.00$100.0010/18/2010 8:00:43 PM
Ven58$25.00$25.0010/19/2010 1:50:01 AM
EJO$25.00$25.0010/19/2010 2:01:18 AM
Requiem$25.00$25.0010/19/2010 2:49:43 AM
hebergee$25.00$25.0010/19/2010 7:26:01 AM
Mindful7$25.00$25.0010/19/2010 10:25:24 AM
totoro$25.00$25.0010/19/2010 10:34:28 AM
fund-fox4$40.00$40.0010/19/2010 11:10:45 AM
kind-value-pouch$200.00$200.0010/20/2010 4:06:58 AM
mkvance$31.28$31.2810/20/2010 11:59:59 AM
rich329$25.00$25.0010/20/2010 1:13:10 PM
fair_rates$25.00$25.0010/20/2010 1:56:19 PM
jms1983$25.00$25.0010/20/2010 4:46:07 PM
autoconnection$25.00$25.0010/20/2010 6:24:07 PM
blindtaxidriver$25.00$25.0010/20/2010 7:58:14 PM
trajames$36.37$36.3710/20/2010 5:37:28 PM
Fun54115$25.00$25.0010/20/2010 8:48:10 PM
OoM$25.00$25.0010/20/2010 7:56:18 PM
rajs$200.00$200.0010/20/2010 9:00:03 PM
rdrloan$50.00$50.0010/20/2010 7:56:42 PM
excellent-nickel$40.00$40.0010/20/2010 7:58:24 PM
amlu1988$25.00$25.0010/20/2010 8:31:05 PM
AaronL$25.00$25.0010/20/2010 8:43:05 PM
crw1950$50.00$50.0010/20/2010 8:58:17 PM
Lender0307$25.00$25.0010/20/2010 9:26:13 PM
Snoopylover$25.00$25.0010/21/2010 1:34:24 AM
_NaLNaBB$500.00$283.3110/20/2010 10:24:44 PM
stevexs$35.00$35.0010/21/2010 4:21:46 AM
pythia$25.00$25.0010/21/2010 4:48:03 AM
rich329$25.00$25.0010/21/2010 3:39:40 AM
doopers$25.00$25.0010/21/2010 6:37:02 AM
zxr$25.00$25.0010/21/2010 6:27:37 AM
goodhearted-basis4$25.00$25.0010/21/2010 8:31:15 AM
congardner1$25.00$25.0010/21/2010 8:43:31 AM
Fire2$25.00$25.0010/21/2010 7:53:59 AM
lively-exchange$29.14$29.1410/21/2010 9:29:09 AM
crazyinjun$25.00$25.0010/21/2010 7:47:00 AM
xchach1ng$25.00$25.0010/21/2010 8:52:31 AM
dbrkt$25.00$25.0010/21/2010 9:27:30 AM
creative-generosity3$25.00$25.0010/21/2010 10:00:11 AM
currency-revolutionary$25.00$25.0010/21/2010 10:26:25 AM
LA915X$25.00$25.0010/21/2010 10:37:17 AM
GarciaCompany$25.00$25.0010/21/2010 10:31:02 AM
economy-caper9$25.00$25.0010/21/2010 10:40:18 AM
grampy48$25.00$25.0010/21/2010 12:58:47 PM
market-pudding$25.00$25.0010/21/2010 12:54:39 PM
KTOWN$25.00$25.0010/21/2010 1:14:58 PM
titan1$100.00$100.0010/21/2010 1:18:13 PM
bondhedger$25.00$25.0010/21/2010 1:32:05 PM
chi-chi$50.00$50.0010/21/2010 1:49:31 PM
engaging-worth$25.00$25.0010/21/2010 1:52:03 PM
127 bids
 
Borrower Payment Dependent Notes Series 479821
This series of Notes was issued and sold upon the funding of the borrower loan #45033, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,900.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $85.25
Final lender yield: 28.00% Final borrower rate/APR: 29.00% / 32.59% Final monthly payment: $79.62
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.48%  
Lender servicing fee: 1.00% Estimated return: 12.52%  
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): 5 First credit line: Feb-1977 Debt/Income ratio: 36%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 31 / 31Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 67 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $128,726Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: squadron1 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2009)
 
Principal balance: $1,467.34 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Paying off credit
Purpose of loan:
This loan will be used to?
remain current on loans
My financial situation:
I am a good candidate for this loan because?it will get paid off?

Monthly net income: $ 6400

Monthly expenses: $
??Housing: $ 1467
??Insurance: $ 140
??Car expenses: $ 390
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 3400
??Other expenses: $ 130
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, can you clarify what you mean by "remain current on loans"? What will you use these funds for? Thanks. - interest88
A: To keep from falling behind on a monthly payment. Short about 200 a month that I make up with my summer $8800 net pay. (Oct-20-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
penny-plato$100.00$100.0010/18/2010 4:51:35 PM
lucrative-loan$75.00$75.0010/19/2010 8:53:41 AM
trade-goblin9$25.00$25.0010/19/2010 6:51:46 PM
Kash2010lu$35.00$35.0010/19/2010 6:41:00 PM
wlm3012$25.00$25.0010/20/2010 7:58:32 AM
durable-economy2$30.00$30.0010/21/2010 9:31:30 AM
radiant-loan5$200.00$12.6410/22/2010 9:36:55 PM
red-favorable-basis$25.00$25.0010/23/2010 7:59:08 AM
trade-elm$30.00$30.0010/23/2010 1:15:02 PM
nickel-demon2$150.00$150.0010/23/2010 4:59:00 PM
Image68$25.00$25.0010/23/2010 7:09:56 PM
JerryB96$25.00$25.0010/24/2010 7:29:49 AM
josephpenrod$25.00$25.0010/24/2010 12:14:24 AM
iocus$25.00$25.0010/24/2010 10:01:58 AM
PackFan13$25.00$25.0010/24/2010 12:36:03 PM
loss-of-control$50.00$50.0010/24/2010 1:52:16 PM
favorite-commerce$50.00$50.0010/24/2010 5:27:51 PM
maccpro1$50.00$50.0010/24/2010 2:59:33 PM
olin5$26.00$26.0010/25/2010 8:29:22 AM
jhernand17$25.00$25.0010/25/2010 9:06:39 AM
HammerSmith$25.00$25.0010/25/2010 9:42:35 AM
Lubava$25.00$25.0010/25/2010 10:34:56 AM
blue-useful-auction$25.00$25.0010/25/2010 2:13:44 PM
money-fort$25.00$25.0010/25/2010 1:09:24 PM
Mikale360$25.00$25.0010/25/2010 2:00:16 PM
ultimate-peace$150.00$150.0010/25/2010 2:09:19 PM
Leopoldine$25.00$25.0010/25/2010 2:39:23 PM
SolarMoonshine$25.00$25.0010/18/2010 5:20:14 PM
realtormoises$25.00$25.0010/19/2010 5:58:03 AM
fabulous-community4$25.00$25.0010/19/2010 10:54:48 AM
thankful-nickel2$25.00$25.0010/19/2010 5:04:39 PM
yield-lion2$75.00$75.0010/20/2010 8:58:54 AM
gjm6d$34.00$34.0010/21/2010 5:52:53 PM
2grindstones$25.00$25.0010/22/2010 9:58:50 AM
rockingnrolling$50.00$50.0010/23/2010 10:38:37 AM
worthy-bid4$25.00$25.0010/23/2010 11:12:42 AM
Leshan$50.00$50.0010/23/2010 11:37:19 AM
vine99$50.00$50.0010/24/2010 3:13:29 PM
Jeddy$29.77$29.7710/24/2010 1:02:39 PM
want2race$25.00$25.0010/24/2010 4:48:19 PM
yons88$31.92$31.9210/24/2010 2:59:19 PM
Free-the-usa-1776$28.60$28.6010/24/2010 7:15:47 PM
dudebrah$25.00$25.0010/25/2010 12:49:09 AM
ASG_NECO$36.47$36.4710/24/2010 9:53:30 PM
Bob450$25.00$25.0010/25/2010 1:18:30 PM
investment-artist$25.00$25.0010/25/2010 12:52:48 PM
carlos_chantana$25.00$25.0010/25/2010 2:43:23 PM
unassuming-market7$29.77$29.7710/25/2010 2:47:00 PM
PrincessGrace33$50.00$50.0010/25/2010 2:54:00 PM
ohmarkybaby$25.83$25.8310/25/2010 2:53:48 PM
50 bids
 
Borrower Payment Dependent Notes Series 479835
This series of Notes was issued and sold upon the funding of the borrower loan #44995, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,200.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $132.10
Final lender yield: 6.99% Final borrower rate/APR: 7.99% / 8.33% Final monthly payment: $131.59
 
Auction yield range: 2.71% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.44%  
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: Jun-2003 Debt/Income ratio: 18%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,503Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: methodical-loyalty0 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
Knocking down that credit card APR
Purpose of loan:
Pay down a credit card that has a low, but not low enough for me, APR. I had to use it to get some (read: all conceivable) major appliances when I bought my house and I've been slowly paying it down ever since.

My financial situation:
I am a good candidate for this loan because I have a stable job and pay off my debts consistently.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: You still have 4 days left, so I anticipate your interest rate is going to drop even further: nice job! What is the rate you're paying off, though? Thanks. - tuxedo76
A: 11% (Oct-22-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
selector568$500.00$500.0010/18/2010 3:03:24 PM
Bank_Of_XL$25.00$25.0010/18/2010 4:23:38 PM
Sarspatula$25.00$25.0010/18/2010 3:44:00 PM
penny-plato$25.00$25.0010/18/2010 4:29:00 PM
bfn311$25.00$25.0010/18/2010 5:11:12 PM
Roundhouse$50.00$50.0010/18/2010 8:04:25 PM
dealmaster$100.00$100.0010/18/2010 7:38:40 PM
lonix$25.00$25.0010/20/2010 8:58:30 PM
FundMaker$25.00$25.0010/21/2010 5:15:31 AM
llequire1$84.69$84.6910/21/2010 5:59:14 PM
platinum-hunter7$50.00$50.0010/21/2010 5:37:17 PM
LovinMe$25.00$25.0010/21/2010 7:48:45 PM
otalon$30.00$30.0010/22/2010 2:29:14 AM
alakanbearcub$25.00$25.0010/22/2010 2:45:36 AM
balance-chestnut$62.50$62.5010/22/2010 7:59:53 AM
outofoffice$50.00$50.0010/22/2010 9:25:32 AM
arenangelchild$50.00$50.0010/22/2010 4:28:03 PM
happyjackbak$35.00$35.0010/22/2010 5:29:25 PM
PalmerTheEmbalmer$25.00$25.0010/22/2010 10:41:28 PM
Lender0307$25.00$25.0010/22/2010 11:08:16 PM
rce1964$25.00$25.0010/23/2010 3:14:06 AM
prossperous01$25.00$25.0010/23/2010 4:55:09 AM
Spiv_51$25.00$25.0010/23/2010 4:57:52 AM
doopers$25.00$25.0010/23/2010 8:32:00 AM
Cheburashka$30.00$30.0010/23/2010 12:21:41 PM
bigb7$25.00$25.0010/23/2010 1:22:07 PM
HamIAm$100.00$100.0010/23/2010 4:53:16 PM
sharp-trade0$25.00$25.0010/23/2010 10:19:00 PM
otalon$29.51$29.5110/24/2010 1:06:15 AM
Money_Hog$25.00$25.0010/24/2010 7:53:57 AM
Trident-Fund$50.00$50.0010/24/2010 7:41:13 AM
vtr1000$25.00$25.0010/24/2010 11:01:04 AM
Dollars4Rent$25.00$25.0010/24/2010 8:21:25 AM
BankofBeth$25.00$25.0010/24/2010 10:22:47 AM
rapid-currency$25.00$25.0010/24/2010 1:07:20 PM
octoberfresh$35.00$35.0010/24/2010 11:50:07 AM
CashFlowLender$50.00$50.0010/24/2010 7:06:10 PM
alpinaut$30.00$30.0010/24/2010 8:16:47 PM
capital-star5$28.00$28.0010/25/2010 6:09:07 AM
Flreap$25.00$25.0010/25/2010 11:17:15 AM
dmitriy2$38.00$38.0010/25/2010 9:58:15 AM
roadtruck$50.00$50.0010/25/2010 10:55:08 AM
mex_invests$25.00$25.0010/25/2010 12:16:05 PM
twsems$100.00$100.0010/25/2010 11:13:07 AM
friendinmoney$25.00$25.0010/25/2010 1:29:19 PM
n036939$25.00$25.0010/25/2010 12:31:00 PM
Xsi2k$25.00$25.0010/25/2010 2:43:15 PM
blot44$25.00$25.0010/18/2010 3:06:09 PM
turbospeed$25.00$25.0010/18/2010 3:03:37 PM
RandyL3$25.00$25.0010/18/2010 3:18:11 PM
principal-bull$25.00$2.4010/18/2010 3:49:21 PM
greenback-companion8$57.53$57.5310/18/2010 5:55:44 PM
bornsucka$25.00$25.0010/18/2010 6:07:55 PM
thankful-nickel2$25.00$25.0010/18/2010 7:51:35 PM
credit-bearer959$27.25$27.2510/18/2010 11:39:41 PM
encouraging-fund$25.00$25.0010/19/2010 10:04:31 AM
investment-artist$25.00$25.0010/20/2010 11:16:20 AM
lucabratsie$25.00$25.0010/20/2010 8:53:05 PM
Planecourage$28.00$28.0010/20/2010 6:59:44 PM
gjacobs2$25.00$25.0010/21/2010 9:56:52 AM
wonderous-power$25.00$25.0010/21/2010 3:22:20 PM
myextracash$25.00$25.0010/21/2010 3:31:45 PM
ethicalhumanist$50.00$50.0010/21/2010 5:58:23 PM
hookUup$100.00$100.0010/21/2010 6:17:29 PM
eCapital$25.00$25.0010/22/2010 12:29:35 AM
BuckeyeBanker$100.00$100.0010/22/2010 7:00:28 AM
eg192$100.00$100.0010/22/2010 8:34:50 AM
mglanham$27.13$27.1310/22/2010 10:00:06 AM
shellstar$25.00$25.0010/22/2010 1:55:55 PM
zevonyc$25.00$25.0010/22/2010 1:31:34 PM
BANKIN$34.29$34.2910/22/2010 4:33:43 PM
tolerant-dinero2$25.00$25.0010/22/2010 5:30:42 PM
theloanteacher$25.00$25.0010/22/2010 7:02:13 PM
rockytop$30.00$30.0010/22/2010 7:06:54 PM
ryan6853$25.00$25.0010/22/2010 10:20:12 PM
Tsimmeej$25.00$25.0010/23/2010 2:48:00 AM
blindtaxidriver$25.00$25.0010/23/2010 3:13:48 AM
TigerForce$25.00$25.0010/23/2010 7:18:14 AM
credit-guard5$25.00$25.0010/23/2010 10:24:05 AM
dollarboy$25.00$25.0010/23/2010 9:27:15 PM
bannybucks$25.00$25.0010/23/2010 8:28:34 PM
james1844$100.00$100.0010/23/2010 11:28:34 PM
JerryB96$25.00$25.0010/24/2010 7:17:17 AM
Dollars4Rent$25.00$25.0010/24/2010 8:21:03 AM
6moonbeams$100.00$100.0010/24/2010 12:01:16 PM
marwadi-62$200.00$200.0010/24/2010 6:40:01 PM
ray1051$75.00$75.0010/25/2010 6:16:30 AM
elvisloans$25.00$25.0010/25/2010 5:23:05 AM
kilpat$25.70$25.7010/25/2010 8:29:43 AM
dreamhope$25.00$25.0010/25/2010 9:01:24 AM
gsd$35.00$35.0010/25/2010 9:45:47 AM
BipedalHominid$30.00$30.0010/25/2010 11:56:36 AM
grampy48$25.00$25.0010/25/2010 1:37:52 PM
engaging-worth$25.00$25.0010/25/2010 2:22:43 PM
El_Maestro$25.00$25.0010/25/2010 2:42:44 PM
Astyanax$50.00$50.0010/25/2010 1:35:35 PM
diverse-transparency$25.00$25.0010/25/2010 2:38:56 PM
crw1950$50.00$50.0010/25/2010 2:04:18 PM
98 bids
 
Borrower Payment Dependent Notes Series 480023
This series of Notes was issued and sold upon the funding of the borrower loan #45010, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $445.96
Final lender yield: 9.80% Final borrower rate/APR: 10.80% / 12.92% Final monthly payment: $391.73
 
Auction yield range: 3.71% - 19.00% 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: Aug-1976 Debt/Income ratio: 20%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,525Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: twelvepbrs Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 43 ( 98% ) 740-759 (Latest)
Principal borrowed: $15,000.00< 31 days late: 1 ( 2% )  
740-759 (Feb-2010)
740-759 (May-2009)
740-759 (Jul-2007)
 
Principal balance: $7,207.92 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
Pay off high-rate credit cards
Purpose of loan:
I will be using this loan to pay off two credit cards that had promotional interest rates that are expiring.

My financial situation:
I have demonstrated a consistent ability to meet my debt obligations through my two previous Prosper loans.? I currently have a good job and also have additional income from two rental properties that generate a positive cashflow of about $1000 per month (this income is not included in the income stated in my listing).? The single <31 day late payment is Prosper's fault, I have been in contact with them via email but they have not fixed it yet.? It was due to the final payment on a loan I paid off (loan #16937) leaving a tiny residual balance ($2.91), which they didn't automatically withdraw from my bank account until a few days after the due date.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alpinaut$25.00$25.0010/18/2010 2:59:54 PM
authentic-liberty7$25.00$25.0010/18/2010 3:07:20 PM
jdwillcox$50.00$50.0010/18/2010 3:08:45 PM
jeg3k$50.00$50.0010/18/2010 3:11:18 PM
DDPrime$100.00$100.0010/18/2010 3:14:32 PM
williemc44$50.00$50.0010/18/2010 3:14:48 PM
selector568$300.00$300.0010/18/2010 3:03:40 PM
kmr2$200.00$200.0010/18/2010 3:16:55 PM
ogmanny$50.00$50.0010/18/2010 3:09:00 PM
objective-investor$100.00$100.0010/18/2010 3:09:20 PM
graceful-investment$100.00$100.0010/18/2010 3:18:33 PM
worthy-bid8$93.63$93.6310/18/2010 3:07:07 PM
studious-bonus7$100.00$100.0010/18/2010 3:19:43 PM
MoonMama$25.00$25.0010/18/2010 3:20:17 PM
delicious-social132$50.00$50.0010/18/2010 3:10:45 PM
auction-sage$50.00$50.0010/18/2010 3:23:14 PM
handshake5$100.00$100.0010/18/2010 3:13:57 PM
income-titan8$30.00$30.0010/18/2010 3:25:17 PM
6moonbeams$200.00$200.0010/18/2010 3:18:56 PM
GElender$50.00$50.0010/18/2010 3:15:09 PM
larrybird$150.00$150.0010/18/2010 3:15:55 PM
mjunlimited$50.00$50.0010/18/2010 3:17:57 PM
enthusiastic-balance5$69.03$69.0310/18/2010 3:23:20 PM
lean-integrity9$100.00$100.0010/18/2010 3:20:53 PM
mla$25.00$25.0010/18/2010 3:25:10 PM
mtquan$25.00$25.0010/18/2010 3:41:43 PM
HedgeFund$50.00$50.0010/18/2010 4:20:45 PM
nybanker85$50.00$50.0010/18/2010 3:50:39 PM
MoneyForNothing$42.62$42.6210/18/2010 8:18:28 PM
psa1995$50.00$50.0010/18/2010 8:30:42 PM
payout-reaction740$25.00$25.0010/18/2010 8:57:50 PM
truth-magma$25.00$25.0010/18/2010 8:08:41 PM
klinebarger$25.00$25.0010/18/2010 8:55:06 PM
bondhedger$25.00$25.0010/19/2010 2:00:43 AM
Artist_Blue$25.00$25.0010/19/2010 1:51:10 AM
SelectTrustLending$25.00$21.3110/19/2010 2:33:01 AM
wwwUniversal$25.00$25.0010/19/2010 11:07:43 AM
Interloper$25.00$25.0010/19/2010 7:06:39 PM
silver-armada$50.00$50.0010/20/2010 5:04:15 AM
Eagledrop$25.00$25.0010/20/2010 8:46:47 AM
gustavholstopus32$25.00$25.0010/20/2010 9:34:45 AM
hookUup$50.00$50.0010/20/2010 9:48:36 AM
deal-enrichment$50.00$50.0010/20/2010 9:49:13 AM
the-money-position$50.00$50.0010/20/2010 12:33:26 PM
innocent-income4$25.00$25.0010/20/2010 5:15:41 PM
bold-durability-drum$50.00$50.0010/20/2010 4:14:05 PM
kenji4861$25.00$25.0010/20/2010 9:41:28 PM
loanman2007$100.00$100.0010/21/2010 6:57:54 AM
comet55$25.00$25.0010/21/2010 9:47:55 AM
Mark0135$50.00$50.0010/21/2010 10:39:39 AM
omerta6102$50.00$50.0010/21/2010 1:18:33 PM
LongTail$25.00$25.0010/21/2010 3:02:25 PM
bizzzond$53.58$53.5810/21/2010 7:04:38 PM
spiff666$25.00$25.0010/21/2010 8:22:38 PM
gizmo65$25.00$25.0010/21/2010 8:24:20 PM
sungbaek$25.00$25.0010/21/2010 11:33:14 PM
BuckeyeBanker$100.00$100.0010/22/2010 7:01:50 AM
mmmm1982$25.00$25.0010/22/2010 9:26:41 AM
ready-vigilance3$50.00$50.0010/22/2010 10:10:51 AM
pleasant-basis$25.00$25.0010/22/2010 10:42:40 AM
Katzenjammer$25.00$25.0010/22/2010 10:34:11 AM
beeper2$100.00$100.0010/22/2010 12:15:43 PM
Auditman$50.00$50.0010/22/2010 12:05:29 PM
MyKidsDad$25.00$25.0010/22/2010 12:20:16 PM
gardenglow$25.00$25.0010/22/2010 12:20:34 PM
Banker7371$25.00$25.0010/22/2010 12:53:43 PM
B-rad_the_Coug$25.00$25.0010/22/2010 1:18:19 PM
rdrloan$50.00$50.0010/22/2010 1:30:25 PM
impartial-deal$25.00$25.0010/22/2010 2:11:30 PM
matt84003$25.00$25.0010/22/2010 2:12:01 PM
Earnest_Money$25.00$25.0010/22/2010 2:17:14 PM
justme4now$25.00$25.0010/22/2010 3:33:11 PM
money-bauble$100.00$100.0010/22/2010 4:25:01 PM
beeper2$100.00$100.0010/22/2010 5:07:02 PM
interest-exec9$25.00$25.0010/22/2010 5:43:06 PM
jms1983$25.00$25.0010/22/2010 6:23:51 PM
kashikoe$25.00$25.0010/22/2010 9:32:58 PM
philantist$25.00$25.0010/22/2010 9:35:28 PM
RG$25.00$25.0010/23/2010 1:58:09 AM
felicity-loyalist0$40.00$40.0010/23/2010 2:21:56 AM
LittleMingo$25.00$25.0010/23/2010 2:28:21 AM
Brklyn01$30.00$30.0010/23/2010 3:54:05 AM
loot-heart$44.61$44.6110/23/2010 4:14:59 AM
attractive-rate$25.00$25.0010/23/2010 4:34:04 AM
Johnab$25.00$25.0010/23/2010 5:53:42 AM
heerzaquestion$25.00$25.0010/23/2010 10:00:13 AM
ideal-platinum1$50.00$50.0010/23/2010 8:43:18 AM
aggielender$25.00$25.0010/23/2010 9:18:34 AM
relierma$25.00$25.0010/23/2010 10:01:13 AM
Sunny_D$50.00$50.0010/23/2010 11:23:44 AM
calm-deal7$25.00$25.0010/23/2010 3:23:29 PM
balance-chestnut$62.50$62.5010/23/2010 10:51:54 PM
MarinLoans$25.00$25.0010/23/2010 5:48:09 PM
stollcm$25.00$25.0010/23/2010 10:05:04 PM
TBCapitol$50.00$50.0010/24/2010 10:23:12 AM
Dollars4Rent$25.00$25.0010/24/2010 8:25:01 AM
Slend49$25.00$25.0010/24/2010 1:01:26 PM
KileNSmyth4$25.00$25.0010/24/2010 9:48:48 AM
LoxKid$37.00$37.0010/24/2010 1:26:41 PM
tenacious-compassion9$25.00$25.0010/24/2010 11:17:49 AM
theloanfiller$25.00$25.0010/24/2010 6:16:52 PM
CashFlowLender$50.00$50.0010/24/2010 7:01:20 PM
integrity-palm9$25.00$25.0010/24/2010 8:42:03 PM
chlebie$50.00$50.0010/24/2010 9:03:42 PM
superchicken$25.00$25.0010/24/2010 8:34:25 PM
greenback-ally$50.00$50.0010/24/2010 9:50:19 PM
mhotchan$101.74$101.7410/24/2010 11:32:46 PM
important-ore$100.00$100.0010/25/2010 3:23:41 AM
witty-openness$25.00$25.0010/25/2010 5:25:59 AM
point-kitten6$50.00$50.0010/25/2010 9:57:46 AM
Wilcat77$50.00$50.0010/25/2010 9:38:22 AM
lovely-benefit7$25.00$25.0010/25/2010 9:43:55 AM
oldman68$25.00$25.0010/25/2010 10:47:03 AM
loyalist1$100.00$100.0010/25/2010 12:32:12 PM
PK_USMC$25.00$25.0010/25/2010 2:17:13 PM
Astyanax$75.00$75.0010/25/2010 1:42:42 PM
investment-artist$25.00$25.0010/25/2010 12:53:39 PM
sildoc$100.00$100.0010/25/2010 12:56:48 PM
mike_banker$50.00$50.0010/25/2010 2:44:39 PM
blue-useful-auction$25.00$25.0010/25/2010 2:14:28 PM
loan-wasp$47.75$47.7510/25/2010 2:44:32 PM
rescue$100.00$100.0010/18/2010 2:59:43 PM
radforj22$25.00$25.0010/18/2010 3:00:49 PM
Gabriel02$25.00$25.0010/18/2010 3:02:21 PM
papaloha$100.00$100.0010/18/2010 3:07:12 PM
bowdish1$50.00$50.0010/18/2010 3:09:59 PM
ichibon$150.00$150.0010/18/2010 3:10:12 PM
Weaverville$50.00$50.0010/18/2010 3:01:01 PM
TakeCare$80.00$80.0010/18/2010 3:14:21 PM
generous-deal6$50.00$50.0010/18/2010 3:03:21 PM
bountiful-durability$100.00$100.0010/18/2010 3:07:50 PM
JohnGalt79$100.00$100.0010/18/2010 3:09:44 PM
loan-mammal$25.00$25.0010/18/2010 3:18:48 PM
murph0025$40.00$40.0010/18/2010 3:10:38 PM
payout-achievement$100.00$100.0010/18/2010 3:11:05 PM
DRA-Properties$25.00$25.0010/18/2010 3:08:06 PM
schpere$72.73$72.7310/18/2010 3:21:27 PM
techvet$50.00$50.0010/18/2010 3:21:46 PM
j2ee$25.00$25.0010/18/2010 3:23:26 PM
crenen139$25.00$25.0010/18/2010 3:11:29 PM
tolerant-dinero2$25.00$25.0010/18/2010 3:24:26 PM
Clambake$50.00$50.0010/18/2010 3:24:49 PM
orangetrust$100.00$100.0010/18/2010 3:25:02 PM
MadHun$100.00$100.0010/18/2010 3:15:20 PM
bid-czar8$50.00$50.0010/18/2010 3:13:24 PM
ray1051$25.00$25.0010/18/2010 3:17:16 PM
organized-payment6$50.00$50.0010/18/2010 3:17:24 PM
Sevron$100.00$100.0010/18/2010 3:15:33 PM
enthralling-deal180$50.00$50.0010/18/2010 3:16:11 PM
supersarah61$25.00$25.0010/18/2010 3:22:00 PM
bambampk$25.00$25.0010/18/2010 3:19:08 PM
wings2fly$25.00$25.0010/18/2010 3:22:51 PM
efficient-treasure0$25.00$25.0010/18/2010 3:20:26 PM
jazzlender$50.00$50.0010/18/2010 3:24:09 PM
penny-plato$50.00$50.0010/18/2010 4:27:45 PM
helping-out$100.00$100.0010/18/2010 5:07:01 PM
point-shooter$50.00$50.0010/18/2010 5:17:18 PM
reward-tsunami7$50.00$50.0010/18/2010 6:34:39 PM
C_Mark$100.00$100.0010/18/2010 5:43:35 PM
successful-agreement7$100.00$100.0010/18/2010 6:34:15 PM
teller$50.00$50.0010/18/2010 8:08:48 PM
maldok1$25.00$25.0010/19/2010 1:52:59 AM
jigsaw$100.00$100.0010/19/2010 1:54:33 AM
availableloan$25.00$25.0010/19/2010 11:04:55 AM
forthright-principal2$25.00$25.0010/19/2010 11:41:09 AM
KWarrior$25.00$25.0010/19/2010 8:00:01 PM
designs626$50.00$50.0010/20/2010 7:12:19 AM
suave-dime6$25.00$25.0010/20/2010 7:52:05 AM
hope-hickory$25.00$25.0010/20/2010 9:32:52 AM
equitable-yield4$25.00$25.0010/20/2010 11:25:50 AM
108lender$100.00$100.0010/21/2010 2:50:59 PM
Hondo$25.00$25.0010/21/2010 3:26:04 PM
ethicalhumanist$50.00$50.0010/21/2010 6:01:15 PM
cautious1$50.00$50.0010/21/2010 6:49:09 PM
paladin847$50.00$50.0010/22/2010 4:51:13 AM
srgriff$25.00$25.0010/22/2010 8:58:36 AM
outofoffice$50.00$50.0010/22/2010 9:26:58 AM
sunrise16$30.00$30.0010/22/2010 10:11:13 AM
reueljw$25.00$25.0010/22/2010 10:28:44 AM
nickel-hickory$25.00$25.0010/22/2010 11:10:23 AM
justice-dna$25.00$25.0010/22/2010 10:43:15 AM
heroic-payout9$25.00$25.0010/22/2010 11:32:18 AM
newest-bountiful-basis$25.00$25.0010/22/2010 12:20:40 PM
BerkeleyBonds$50.00$50.0010/22/2010 12:25:05 PM
StarE$25.00$25.0010/22/2010 12:28:25 PM
rapid-credit428$25.00$25.0010/22/2010 1:19:27 PM
thankful-nickel2$25.00$25.0010/22/2010 1:39:39 PM
CAGE-Investments$25.00$25.0010/22/2010 4:07:33 PM
FadSaolAgat$50.00$50.0010/22/2010 4:28:17 PM
platinum-hunter7$40.00$40.0010/22/2010 5:03:59 PM
karmarush$25.00$25.0010/22/2010 5:42:51 PM
jaesposito$50.00$50.0010/22/2010 6:32:31 PM
xlnt-loans$25.00$25.0010/22/2010 9:14:19 PM
raiderj$25.00$25.0010/22/2010 10:38:36 PM
Residuum$50.00$50.0010/22/2010 10:24:04 PM
ericgassercom$41.80$41.8010/22/2010 10:47:51 PM
Picopie$50.00$50.0010/23/2010 2:24:01 AM
MoneyOps$25.00$25.0010/23/2010 4:40:42 AM
dinero-speaker$25.00$25.0010/23/2010 4:05:08 AM
grystndoc$25.00$25.0010/23/2010 5:46:45 AM
nycfinance$25.00$25.0010/23/2010 9:41:41 AM
Planecourage$34.00$34.0010/23/2010 8:20:02 AM
triumph329$45.00$45.0010/23/2010 7:45:15 AM
mtp$50.00$50.0010/23/2010 10:32:04 AM
deal-vibrato$50.00$50.0010/23/2010 12:14:36 PM
tsg2007$25.00$25.0010/23/2010 3:41:11 PM
bigb7$25.00$25.0010/23/2010 1:10:30 PM
repayment-launcher$25.00$25.0010/23/2010 3:30:11 PM
accelerator1$25.00$25.0010/23/2010 6:01:40 PM
HamIAm$75.00$75.0010/23/2010 4:50:15 PM
Evolver$25.00$25.0010/23/2010 9:06:36 PM
valiant-liberty4$50.00$50.0010/23/2010 4:05:56 PM
PatriotKnight$25.00$25.0010/23/2010 5:48:39 PM
dollar-spy$25.00$25.0010/23/2010 4:31:17 PM
dparkhom$25.00$25.0010/23/2010 5:48:07 PM
jigs0910$25.00$25.0010/23/2010 7:18:24 PM
spectrumlend$50.00$50.0010/23/2010 8:52:04 PM
crw1950$50.00$50.0010/23/2010 9:06:34 PM
intuitive-bill$50.00$50.0010/23/2010 11:59:10 PM
james1844$50.00$50.0010/23/2010 11:42:08 PM
anti-wall-st$100.00$100.0010/24/2010 9:06:22 AM
hrubinst$35.75$35.7510/24/2010 6:36:37 AM
brondero$80.00$80.0010/24/2010 9:54:17 AM
Trident-Fund$25.00$25.0010/24/2010 7:45:35 AM
sarisai$101.00$101.0010/24/2010 10:36:16 AM
wlm3012$25.00$25.0010/24/2010 10:42:24 AM
the-debt-fluffy-bunny$25.00$25.0010/24/2010 9:50:03 AM
alakanbearcub$25.00$25.0010/24/2010 2:35:07 PM
bold-enriching-capital$43.95$43.9510/24/2010 12:36:02 PM
TrustPlus$50.00$50.0010/24/2010 3:20:56 PM
bold-yield-rumbler$25.00$25.0010/24/2010 7:51:32 PM
Chesterite$25.00$25.0010/24/2010 9:37:44 PM
creative-finance7$25.00$25.0010/24/2010 11:53:05 PM
sgt-schultz$25.00$25.0010/25/2010 6:51:57 AM
swpski$25.00$25.0010/25/2010 6:33:10 AM
rmpedi33$50.00$50.0010/25/2010 7:06:45 AM
cash-prodigy1$50.00$50.0010/25/2010 8:17:59 AM
mountainpeak$25.00$25.0010/25/2010 9:05:59 AM
missoula$50.00$50.0010/25/2010 9:56:08 AM
ansset$25.00$25.0010/25/2010 9:57:28 AM
zztopdog$25.00$25.0010/25/2010 9:47:46 AM
GCInvestments$25.00$25.0010/25/2010 10:16:17 AM
tacopants$50.00$50.0010/25/2010 11:58:45 AM
mgking007$44.00$44.0010/25/2010 12:40:17 PM
gracej$25.00$25.0010/25/2010 11:49:11 AM
grampy48$50.00$50.0010/25/2010 1:41:55 PM
awesome-dollar5$100.00$100.0010/25/2010 1:05:03 PM
rangersquire$25.00$25.0010/25/2010 11:59:50 AM
jaesposito$50.00$50.0010/25/2010 12:33:04 PM
A007$50.00$50.0010/25/2010 2:29:37 PM
flyfisherman99$63.00$63.0010/25/2010 2:09:35 PM
wise-balanced-moola$25.00$25.0010/25/2010 2:44:33 PM
shrewd-income$100.00$100.0010/25/2010 2:11:06 PM
253 bids
 
Borrower Payment Dependent Notes Series 480145
This series of Notes was issued and sold upon the funding of the borrower loan #44992, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-24-2010 
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $492.15
Final lender yield: 10.15% Final borrower rate/APR: 11.15% / 13.27% Final monthly payment: $492.15
 
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: Sep-1981 Debt/Income ratio: 18%
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,988Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: green-proper-agreement 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
Dental expense/paying off my credit
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rescue$100.00$100.0010/18/2010 2:59:45 PM
alpinaut$25.00$25.0010/18/2010 2:59:56 PM
radforj22$25.00$25.0010/18/2010 3:00:52 PM
bountiful-durability$100.00$100.0010/18/2010 3:07:53 PM
JohnGalt79$100.00$100.0010/18/2010 3:09:47 PM
generous-deal6$50.00$50.0010/18/2010 3:03:23 PM
bid-czar8$50.00$50.0010/18/2010 3:13:26 PM
authentic-liberty7$25.00$25.0010/18/2010 3:07:23 PM
GElender$50.00$50.0010/18/2010 3:15:12 PM
DRA-Properties$25.00$25.0010/18/2010 3:08:13 PM
kmr2$200.00$200.0010/18/2010 3:16:59 PM
objective-investor$100.00$100.0010/18/2010 3:09:26 PM
ichibon$150.00$150.0010/18/2010 3:10:20 PM
murph0025$40.00$40.0010/18/2010 3:10:39 PM
crenen139$25.00$25.0010/18/2010 3:11:32 PM
tolerant-dinero2$25.00$25.0010/18/2010 3:24:27 PM
williemc44$50.00$50.0010/18/2010 3:14:59 PM
orangetrust$100.00$100.0010/18/2010 3:25:03 PM
MadHun$100.00$100.0010/18/2010 3:15:22 PM
organized-payment6$50.00$50.0010/18/2010 3:17:29 PM
TakeCare$80.00$80.0010/18/2010 3:14:24 PM
hookUup$75.00$75.0010/18/2010 3:14:37 PM
bambampk$25.00$25.0010/18/2010 3:19:12 PM
efficient-treasure0$25.00$25.0010/18/2010 3:20:28 PM
enthralling-deal180$50.00$50.0010/18/2010 3:16:16 PM
techvet$50.00$50.0010/18/2010 3:21:48 PM
ray1051$25.00$25.0010/18/2010 3:17:19 PM
mjunlimited$50.00$50.0010/18/2010 3:17:58 PM
jazzlender$50.00$50.0010/18/2010 3:24:13 PM
j2ee$25.00$25.0010/18/2010 3:23:28 PM
nybanker85$50.00$50.0010/18/2010 3:50:37 PM
reflective-rupee$150.00$150.0010/18/2010 4:52:56 PM
reward-tsunami7$50.00$50.0010/18/2010 6:34:41 PM
C_Mark$100.00$100.0010/18/2010 5:43:38 PM
teller$50.00$50.0010/18/2010 8:08:49 PM
MoonMama$25.00$25.0010/19/2010 2:06:43 AM
studious-bonus7$86.55$86.5510/19/2010 2:21:14 AM
SelectTrustLending$25.00$25.0010/19/2010 2:33:04 AM
Interstate_Rate$100.00$100.0010/19/2010 2:04:21 AM
tntmojave$25.00$25.0010/19/2010 10:55:40 AM
dgallo$25.00$25.0010/19/2010 11:01:06 AM
lendingfrog$50.00$50.0010/19/2010 10:55:41 AM
truth-magma$25.00$25.0010/19/2010 11:03:17 AM
special-currency6$50.00$50.0010/19/2010 10:57:22 AM
runner262$25.00$25.0010/19/2010 11:05:37 AM
maldok1$25.00$25.0010/19/2010 11:03:29 AM
point-shooter$50.00$50.0010/19/2010 11:01:04 AM
jga516$25.00$25.0010/19/2010 11:01:36 AM
taurusco$35.39$35.3910/19/2010 11:04:53 AM
availableloan$25.00$25.0010/19/2010 11:04:56 AM
Savings_EQ_Dignity$30.00$30.0010/19/2010 1:22:54 PM
life-is-great$50.00$50.0010/19/2010 4:24:20 PM
escharfer$25.00$25.0010/19/2010 7:10:02 PM
silver-armada$50.00$50.0010/20/2010 5:04:24 AM
suave-dime6$25.00$25.0010/20/2010 7:52:37 AM
Interloper$25.00$25.0010/20/2010 8:38:57 AM
Eagledrop$25.00$25.0010/20/2010 8:46:54 AM
excellent-nickel$50.00$50.0010/20/2010 9:30:48 AM
ivadood$100.00$100.0010/20/2010 10:08:45 AM
Ripsaw4U$50.00$50.0010/20/2010 11:24:30 AM
equitable-yield4$25.00$25.0010/20/2010 11:25:53 AM
equitable-yield4$25.00$25.0010/20/2010 11:30:53 AM
thoughtful-community7$25.00$25.0010/20/2010 1:56:23 PM
innocent-income4$25.00$25.0010/20/2010 5:15:46 PM
kenji4861$25.00$25.0010/20/2010 9:41:37 PM
comet55$25.00$25.0010/21/2010 9:48:04 AM
Mark0135$50.00$50.0010/21/2010 10:39:44 AM
Tradesmanlender$25.00$25.0010/21/2010 12:31:52 PM
omerta6102$50.00$50.0010/21/2010 1:18:40 PM
dinero-launcher$25.00$25.0010/21/2010 2:51:53 PM
auction-formula$311.96$311.9610/21/2010 3:04:46 PM
orderly-leverage$50.00$50.0010/21/2010 3:27:15 PM
chemistry220$50.00$50.0010/21/2010 3:26:58 PM
herbyman$50.00$50.0010/21/2010 3:21:21 PM
hope-hickory$25.00$25.0010/21/2010 3:21:40 PM
platinum-hunter7$25.00$25.0010/21/2010 5:33:03 PM
IIP77$25.00$25.0010/21/2010 6:39:50 PM
LongTail$25.00$25.0010/21/2010 6:41:00 PM
trustworthy-finance6$150.00$150.0010/22/2010 6:54:09 AM
McRowdy$25.00$25.0010/22/2010 6:54:29 AM
SimpleChoice$25.00$25.0010/22/2010 6:52:18 AM
duty-starfish8$50.00$50.0010/22/2010 10:04:53 AM
jamiee73$25.00$25.0010/22/2010 10:12:23 AM
fund-tom-tom6$50.00$50.0010/22/2010 10:06:42 AM
greenback-museum$25.00$25.0010/22/2010 10:07:05 AM
upbeat-investment9$50.00$50.0010/22/2010 10:14:19 AM
reueljw$25.00$25.0010/22/2010 10:28:50 AM
heroic-payout9$25.00$25.0010/22/2010 11:32:25 AM
ctgscott$25.00$25.0010/22/2010 12:41:30 PM
citytreker$40.00$40.0010/22/2010 12:24:26 PM
B-rad_the_Coug$25.00$25.0010/22/2010 1:18:23 PM
rdrloan$50.00$50.0010/22/2010 1:30:33 PM
cropdust3r$26.86$26.8610/22/2010 1:39:28 PM
AlBRich$25.00$25.0010/22/2010 3:29:36 PM
wampum-chorus3$25.00$25.0010/22/2010 3:48:40 PM
CAGE-Investments$25.00$25.0010/22/2010 4:07:37 PM
valiant-liberty4$25.00$25.0010/22/2010 4:11:47 PM
FadSaolAgat$50.00$50.0010/22/2010 4:28:27 PM
SBT$44.03$44.0310/22/2010 4:39:58 PM
Breadandbutter$25.00$25.0010/22/2010 4:41:02 PM
Feyenoord$25.00$25.0010/22/2010 5:46:46 PM
kvandivo$25.00$25.0010/22/2010 5:46:40 PM
atope$50.00$50.0010/22/2010 5:52:16 PM
icecoldcash$41.80$41.8010/22/2010 9:39:40 PM
raiderj$25.00$25.0010/22/2010 10:38:39 PM
OCedHrt$25.00$25.0010/23/2010 2:22:40 AM
rawman$25.00$25.0010/22/2010 10:57:15 PM
Preferred-Lender$25.00$25.0010/22/2010 10:57:09 PM
jrbill1998$41.80$41.8010/23/2010 1:40:16 AM
bugleusmc$25.00$25.0010/22/2010 11:58:37 PM
mizount$25.00$25.0010/23/2010 2:29:03 AM
helpu88$28.29$28.2910/23/2010 1:57:08 AM
smallfry$25.00$25.0010/23/2010 1:58:26 AM
Rob717171$25.00$25.0010/23/2010 2:01:32 AM
crazybill$25.00$25.0010/23/2010 1:58:00 AM
Boxhead$27.42$27.4210/23/2010 2:17:18 AM
Plotinus$34.84$34.8410/23/2010 2:18:27 AM
busybee007$25.00$25.0010/23/2010 2:56:04 AM
siegoris$25.00$25.0010/23/2010 3:06:31 AM
consomedia$50.00$50.0010/23/2010 3:15:57 AM
asya$25.00$25.0010/23/2010 2:43:11 AM
felicity-loyalist0$40.00$40.0010/23/2010 2:32:22 AM
chapman18$25.00$25.0010/23/2010 3:31:07 AM
DcUnited$30.00$30.0010/23/2010 2:48:27 AM
AlwaysA-Chief$25.00$25.0010/23/2010 2:48:44 AM
kingbutthd$25.00$25.0010/23/2010 2:56:20 AM
Picopie$50.00$50.0010/23/2010 2:49:26 AM
jbrel$50.00$50.0010/23/2010 2:49:54 AM
streak269$25.00$25.0010/23/2010 3:08:00 AM
lostontheedge$25.00$25.0010/23/2010 3:14:50 AM
WorldlyWorker$25.00$25.0010/23/2010 2:55:42 AM
power-kin$38.49$38.4910/23/2010 4:04:27 AM
monroemoney$25.00$25.0010/23/2010 4:30:41 AM
godzig$25.00$25.0010/23/2010 3:14:47 AM
minista$25.00$25.0010/23/2010 3:20:30 AM
porter22$25.00$25.0010/23/2010 3:30:39 AM
checkuto$25.00$25.0010/23/2010 3:38:02 AM
robocop$50.00$50.0010/23/2010 4:30:45 AM
BritDad$25.00$25.0010/23/2010 4:13:35 AM
NOLALEND$25.00$25.0010/23/2010 4:26:35 AM
newest-bountiful-basis$25.00$25.0010/23/2010 9:06:30 AM
Mark-O-Polo$25.00$25.0010/23/2010 5:52:12 AM
narblark$35.99$35.9910/23/2010 9:10:47 AM
RLW43$28.83$28.8310/23/2010 7:25:40 AM
aggielender$25.00$25.0010/23/2010 9:18:37 AM
self-reliant-integrity0$50.00$50.0010/23/2010 8:36:21 AM
mathomas3$38.44$38.4410/23/2010 8:36:31 AM
payout-carnival$25.00$25.0010/23/2010 7:56:25 AM
best-marketologist$25.00$25.0010/23/2010 8:36:32 AM
Bendistraw$40.76$40.7610/23/2010 10:44:58 AM
ILfarmboy$44.86$44.8610/23/2010 8:54:14 AM
BuckeyeGuy$25.00$25.0010/23/2010 10:00:24 AM
well-mannered-basis1$50.00$50.0010/23/2010 10:00:35 AM
wealth-carrier$25.00$25.0010/23/2010 11:31:05 AM
Seadrag367$25.00$25.0010/23/2010 10:16:06 AM
Binan$25.00$25.0010/23/2010 10:00:26 AM
integrityisnumone$25.00$25.0010/23/2010 10:00:37 AM
Marathoner$25.00$25.0010/23/2010 10:45:04 AM
bbrelo$25.00$25.0010/23/2010 10:16:09 AM
sophisticated-economy8$25.00$25.0010/23/2010 10:16:28 AM
labate$25.00$25.0010/23/2010 12:21:00 PM
authoritative-capital$25.00$25.0010/23/2010 10:51:00 AM
Supp0rter$53.08$53.0810/23/2010 10:43:29 AM
cash-boots$25.00$25.0010/23/2010 10:45:03 AM
HAVEANICEDAY$25.00$25.0010/23/2010 1:30:50 PM
dpdn57$25.00$25.0010/23/2010 11:31:07 AM
bnlforever$25.00$25.0010/23/2010 11:15:43 AM
Saleen06$40.00$40.0010/23/2010 2:40:22 PM
deal-vibrato$50.00$50.0010/23/2010 12:14:40 PM
buckyhead2000$25.00$25.0010/23/2010 11:31:09 AM
pooksat$25.00$25.0010/23/2010 11:31:22 AM
tuneman1980$25.00$25.0010/23/2010 11:31:43 AM
CautelCapital$25.00$25.0010/23/2010 12:21:05 PM
wbahl$40.63$40.6310/23/2010 12:20:52 PM
Shockem923$25.00$25.0010/23/2010 12:21:34 PM
kegs$40.45$40.4510/23/2010 2:17:49 PM
respectful-integrity3$25.00$25.0010/23/2010 2:28:52 PM
compwhiz$25.00$25.0010/23/2010 1:30:51 PM
GordoMG$30.41$30.4110/23/2010 4:46:33 PM
sweet-peace3$25.00$25.0010/23/2010 1:45:27 PM
wkeboarder21$50.00$50.0010/23/2010 3:03:18 PM
XopherMV$25.00$25.0010/23/2010 2:51:27 PM
honorable-yield$32.35$32.3510/23/2010 3:47:30 PM
dollar-spy$25.00$25.0010/23/2010 4:31:25 PM
upbeat-principal$25.00$25.0010/23/2010 4:46:34 PM
Emberfox$25.00$16.1810/23/2010 4:52:17 PM
little_brother1$25.97$25.9710/23/2010 7:24:31 PM
tsg2007$25.00$25.0010/24/2010 7:40:57 AM
anti-wall-st$100.00$100.0010/24/2010 9:06:30 AM
natural-affluence4$25.00$25.0010/18/2010 3:07:40 PM
ogmanny$50.00$50.0010/18/2010 3:09:03 PM
Weaverville$50.00$50.0010/18/2010 3:01:04 PM
payout-achievement$100.00$100.0010/18/2010 3:11:07 PM
jeg3k$50.00$50.0010/18/2010 3:11:21 PM
Gabriel02$25.00$25.0010/18/2010 3:02:24 PM
DDPrime$100.00$100.0010/18/2010 3:14:31 PM
larrybird$50.00$50.0010/18/2010 3:16:00 PM
jdwillcox$50.00$50.0010/18/2010 3:08:50 PM
delicious-social132$50.00$50.0010/18/2010 3:10:50 PM
worthy-bid8$100.00$100.0010/18/2010 3:12:24 PM
supersarah61$25.00$25.0010/18/2010 3:21:58 PM
bowdish1$50.00$50.0010/18/2010 3:10:01 PM
wings2fly$25.00$25.0010/18/2010 3:22:54 PM
handshake5$100.00$100.0010/18/2010 3:13:59 PM
income-titan8$30.00$30.0010/18/2010 3:25:19 PM
graceful-investment$100.00$100.0010/18/2010 3:18:39 PM
Sevron$100.00$100.0010/18/2010 3:15:36 PM
lean-integrity9$100.00$100.0010/18/2010 3:20:56 PM
6moonbeams$200.00$200.0010/18/2010 3:18:58 PM
auction-sage$50.00$50.0010/18/2010 3:23:15 PM
Clambake$50.00$50.0010/18/2010 3:24:51 PM
mla$25.00$25.0010/18/2010 3:25:08 PM
HedgeFund$50.00$50.0010/18/2010 4:12:55 PM
schpere$42.42$42.4210/18/2010 4:20:10 PM
blue-useful-auction$25.00$25.0010/18/2010 4:42:13 PM
successful-agreement7$35.53$35.5310/18/2010 6:33:54 PM
mtquan$25.00$25.0010/18/2010 5:42:55 PM
jigsaw$25.00$25.0010/18/2010 6:15:38 PM
helping-out$25.14$25.1410/18/2010 8:03:47 PM
psa1995$50.00$50.0010/18/2010 8:30:44 PM
loyalist1$50.00$50.0010/18/2010 9:54:15 PM
klinebarger$25.00$25.0010/18/2010 8:55:05 PM
Artist_Blue$25.00$25.0010/19/2010 1:51:06 AM
Frugal$25.00$25.0010/19/2010 3:22:41 AM
don8ter$25.00$25.0010/19/2010 6:43:20 AM
newest-sensible-hope$50.00$50.0010/19/2010 10:55:51 AM
WSTRDG$34.24$34.2410/19/2010 10:39:39 AM
forthright-dedication$50.00$50.0010/19/2010 11:03:06 AM
a-finance-nirvana$25.00$25.0010/19/2010 11:07:53 AM
asset-professor$50.00$50.0010/19/2010 11:07:56 AM
californiakhan$25.00$25.0010/19/2010 11:06:36 AM
nytrnbow$25.00$25.0010/19/2010 11:08:58 AM
peb44$25.00$25.0010/19/2010 11:09:09 AM
cello1$25.00$25.0010/19/2010 11:18:12 AM
visionary-community$25.00$25.0010/19/2010 11:17:47 AM
54CHEVY$44.00$44.0010/19/2010 1:05:09 PM
caring-hope2$50.00$50.0010/19/2010 4:07:00 PM
the-profit-oracle$25.00$25.0010/19/2010 7:10:07 PM
designs626$50.00$50.0010/20/2010 7:12:31 AM
income-fortress$25.00$25.0010/20/2010 9:34:43 AM
deal-enrichment$50.00$50.0010/20/2010 9:49:19 AM
Quiddity$50.00$50.0010/20/2010 9:50:27 AM
shmb6508$100.00$100.0010/20/2010 11:14:22 AM
ti22ring$25.00$25.0010/20/2010 11:15:46 AM
the-money-position$50.00$50.0010/20/2010 12:33:31 PM
papaloha$25.00$25.0010/20/2010 1:38:11 PM
bayareainv$40.00$40.0010/20/2010 2:29:05 PM
bold-durability-drum$50.00$50.0010/20/2010 4:14:08 PM
BuffetRocks$50.00$50.0010/20/2010 3:46:35 PM
racing777$25.00$25.0010/20/2010 4:00:09 PM
excellent-community$50.00$50.0010/20/2010 6:36:58 PM
heerzaquestion$25.00$25.0010/20/2010 8:36:14 PM
thrilling-dedication4$100.00$100.0010/20/2010 10:53:31 PM
Peterman$25.00$25.0010/21/2010 8:36:54 AM
vigorous-velocity$100.00$100.0010/21/2010 9:46:07 AM
tearingstar$25.00$25.0010/21/2010 2:40:52 PM
MoxiePop$50.00$50.0010/21/2010 2:47:23 PM
108lender$53.96$53.9610/21/2010 2:51:05 PM
agiovasil$25.00$25.0010/21/2010 3:05:05 PM
EvalCrux$25.14$25.1410/21/2010 3:26:52 PM
Hondo$25.00$25.0010/21/2010 3:26:19 PM
Tech-Entrepreneur$25.00$25.0010/21/2010 5:36:02 PM
cautious1$50.00$50.0010/21/2010 6:51:46 PM
irrelevant$25.00$25.0010/21/2010 6:46:53 PM
srgriff$25.00$25.0010/22/2010 8:58:41 AM
skuba$29.13$29.1310/22/2010 9:07:35 AM
nestegg4e$25.00$25.0010/22/2010 10:09:04 AM
Zoramite$25.00$25.0010/22/2010 9:26:25 AM
marketplace-cello5$50.00$50.0010/22/2010 9:39:44 AM
sunrise16$30.00$30.0010/22/2010 10:11:16 AM
FigTree$50.00$50.0010/22/2010 10:10:20 AM
ready-vigilance3$50.00$50.0010/22/2010 10:10:55 AM
Railbird$25.00$25.0010/22/2010 10:28:13 AM
tech310$50.00$50.0010/22/2010 10:22:08 AM
jazz619$50.00$50.0010/22/2010 10:22:10 AM
pleasant-basis$25.00$25.0010/22/2010 10:42:43 AM
justice-dna$25.00$25.0010/22/2010 10:43:18 AM
brother_tam$50.00$50.0010/22/2010 10:42:06 AM
nickel-hickory$25.00$25.0010/22/2010 11:10:30 AM
alakanbearcub$25.00$25.0010/22/2010 10:55:54 AM
anders94$25.00$25.0010/22/2010 10:43:09 AM
gallant-economy9$75.00$75.0010/22/2010 11:27:20 AM
Ven58$25.00$25.0010/22/2010 12:24:29 PM
a-responsible-return$25.00$25.0010/22/2010 12:16:10 PM
Easystreet$25.00$25.0010/22/2010 12:42:01 PM
jescowa$50.00$50.0010/22/2010 12:22:38 PM
tsui517$25.00$25.0010/22/2010 12:42:05 PM
Ivan2007$42.97$42.9710/22/2010 12:42:10 PM
cybernosha$25.00$25.0010/22/2010 1:08:40 PM
rapid-credit428$25.00$25.0010/22/2010 1:19:22 PM
Banker7371$25.00$25.0010/22/2010 12:53:49 PM
Go_Ducks$25.00$25.0010/22/2010 1:46:05 PM
impartial-deal$25.00$25.0010/22/2010 2:11:34 PM
the-upbeat-p2p$50.00$50.0010/22/2010 3:52:21 PM
flwah$25.00$25.0010/22/2010 3:59:12 PM
wdworld$50.00$50.0010/22/2010 4:24:22 PM
Sixmil$50.00$50.0010/22/2010 4:24:53 PM
value-investor9$50.00$50.0010/22/2010 4:39:35 PM
saysana$25.00$25.0010/22/2010 5:47:39 PM
canisian$25.00$25.0010/22/2010 5:52:33 PM
oreyedoc$28.14$28.1410/22/2010 7:13:11 PM
dough-destiny$25.00$25.0010/22/2010 7:36:17 PM
kashikoe$25.00$25.0010/22/2010 9:33:03 PM
TEAM-Jasper$25.00$25.0010/23/2010 2:02:13 AM
stoopidnoodle$25.00$25.0010/23/2010 2:23:23 AM
ME-Entrepreneur$25.00$25.0010/22/2010 11:55:54 PM
misterhobbs$25.00$25.0010/23/2010 2:24:35 AM
ArmyGuy$25.00$25.0010/23/2010 1:56:40 AM
IP$50.00$50.0010/23/2010 2:29:29 AM
ski bum$46.09$46.0910/23/2010 1:11:03 AM
ssh1983$25.00$25.0010/23/2010 2:41:11 AM
rmachi$25.00$25.0010/23/2010 2:06:52 AM
ualf$34.95$34.9510/23/2010 2:18:44 AM
new-social-economist$35.87$35.8710/23/2010 3:16:03 AM
Riccous$50.00$50.0010/23/2010 2:29:37 AM
seattleite36$25.00$25.0010/23/2010 2:44:37 AM
kjsfld$25.00$25.0010/23/2010 3:31:26 AM
hermosaloan$25.00$25.0010/23/2010 2:41:30 AM
chief_wo$25.00$25.0010/23/2010 2:44:45 AM
anyoi$50.00$50.0010/23/2010 2:47:43 AM
loan-master996$50.00$50.0010/23/2010 3:37:18 AM
elfincove$50.00$50.0010/23/2010 2:48:51 AM
scottr$25.00$25.0010/23/2010 3:41:34 AM
ElChico124$25.00$25.0010/23/2010 2:55:50 AM
adir1$25.00$25.0010/23/2010 2:56:24 AM
credit-scout7$30.00$30.0010/23/2010 4:05:50 AM
i3urtonair$25.00$25.0010/23/2010 3:09:47 AM
Apeman00$25.00$25.0010/23/2010 3:31:38 AM
turbine5$50.00$50.0010/23/2010 3:38:04 AM
zrohmm$25.00$25.0010/23/2010 3:20:11 AM
TeamAmerica$25.00$25.0010/23/2010 3:29:29 AM
piter-to-la-investment$25.00$25.0010/23/2010 4:03:47 AM
gustavholstopus32$25.00$25.0010/23/2010 5:14:25 AM
intelligent-credit0$27.11$27.1110/23/2010 3:53:08 AM
Dubbs360$34.26$34.2610/23/2010 5:52:11 AM
blissful-note7$25.00$25.0010/23/2010 4:13:50 AM
nalaari$25.00$25.0010/23/2010 4:03:37 AM
neutrino6$25.00$25.0010/23/2010 4:14:22 AM
sweet-exchange$25.00$25.0010/23/2010 4:30:48 AM
HibbyD$25.00$25.0010/23/2010 5:46:13 AM
Chewbaca$25.00$25.0010/23/2010 8:36:20 AM
joshua18$25.00$25.0010/23/2010 6:53:13 AM
Investoman$25.00$25.0010/23/2010 5:52:09 AM
slyder61$25.00$25.0010/23/2010 9:25:52 AM
Adam_00$33.48$33.4810/23/2010 6:26:33 AM
orange-resolute-platinum$25.00$25.0010/23/2010 8:29:58 AM
EricLender$25.00$25.0010/23/2010 9:59:11 AM
rhodylend$25.00$25.0010/23/2010 10:00:22 AM
AF-Chief$50.00$50.0010/23/2010 8:36:18 AM
Carpetkid$25.00$25.0010/23/2010 10:00:33 AM
worldly-community3$25.00$25.0010/23/2010 8:36:22 AM
orgy63$25.00$25.0010/23/2010 7:56:09 AM
RMB-Investments$28.83$28.8310/23/2010 8:53:39 AM
Ready2Loan$25.00$25.0010/23/2010 10:16:30 AM
benefit-comforter$25.00$25.0010/23/2010 8:36:19 AM
ideal-platinum1$50.00$50.0010/23/2010 8:43:23 AM
red-unequivocal-finance$25.00$25.0010/23/2010 8:53:40 AM
NiceNate$30.28$30.2810/23/2010 10:45:00 AM
heroic-hope5$50.00$50.0010/23/2010 9:25:51 AM
green-planet-guy$31.00$31.0010/23/2010 10:03:14 AM
tsquared_030$44.32$44.3210/23/2010 11:31:42 AM
KileNSmyth4$27.62$27.6210/23/2010 9:36:26 AM
Charlieofalbany$25.00$25.0010/23/2010 11:48:57 AM
LoanBrkr$25.00$25.0010/23/2010 10:17:39 AM
greenback-bull6$50.00$50.0010/23/2010 10:01:21 AM
wwwUniversal$25.00$25.0010/23/2010 10:46:40 AM
edsmoney$100.00$100.0010/23/2010 1:34:00 PM
JoyfulVegetarian$25.00$25.0010/23/2010 11:31:17 AM
junctionking$25.00$25.0010/23/2010 11:48:54 AM
dcap3$40.14$40.1410/23/2010 12:13:21 PM
Veltliner$25.00$25.0010/23/2010 11:31:21 AM
kahn42$25.00$25.0010/23/2010 2:58:14 PM
powerful-finance7$25.00$25.0010/23/2010 2:17:53 PM
calm-deal7$25.00$25.0010/23/2010 2:01:35 PM
PatriotKnight$25.00$25.0010/23/2010 5:48:42 PM
yield-seeker$25.00$25.0010/23/2010 4:12:43 PM
riproaringrapids$25.00$25.0010/23/2010 3:47:31 PM
Residuum$25.00$25.0010/23/2010 10:42:06 PM
intuitive-bill$50.00$50.0010/23/2010 11:59:18 PM
the-debt-fluffy-bunny$25.00$25.0010/24/2010 9:50:06 AM
money-bauble$25.00$25.0010/24/2010 8:10:18 AM
381 bids
 
Borrower Payment Dependent Notes Series 480151
This series of Notes was issued and sold upon the funding of the borrower loan #45054, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $321.26
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $321.26
 
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: Apr-2001 Debt/Income ratio: 25%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,303Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: husker5 Borrower's state: Kansas Borrower's group: Big Red Money Machine Entrepreneurs &amp; Debt Consolidation
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 48 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
600-619 (Apr-2009)
540-559 (Jan-2008)
540-559 (Dec-2007)
520-539 (Nov-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 48  
Description
Trusted Prosper Borrower/Lender
Purpose of loan:Pay off 401K loan/ CC
This loan will be used to: Fund my 401k

My financial situation:Is good low balances on all bills
I am a good candidate for this loan because?I have been a borrower and lender on prosper. I have paid off 2 previous prosper loans.

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $300
??Insurance: $100
??Car expenses: $250
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??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: what is your return of your 401k? - beakerfish
A: 36% YTD (Oct-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radiant-loan5$200.00$200.0010/18/2010 3:11:58 PM
handshake5$50.00$50.0010/18/2010 3:13:47 PM
bid-czar8$25.00$25.0010/18/2010 3:13:11 PM
nybanker85$50.00$50.0010/18/2010 3:51:07 PM
blue-useful-auction$25.00$25.0010/18/2010 7:21:32 PM
NoCal$30.00$30.0010/19/2010 11:17:16 AM
balance-handshake7$25.00$25.0010/19/2010 11:20:16 AM
moola-wildebeest3$25.00$25.0010/19/2010 11:20:00 AM
teller$50.00$50.0010/19/2010 11:25:07 AM
musegaze$100.00$100.0010/19/2010 11:25:26 AM
washboard1$50.00$50.0010/19/2010 12:33:36 PM
ptjg$36.85$36.8510/19/2010 7:08:37 PM
beakerfish$50.00$50.0010/19/2010 6:29:51 PM
brother_tam$50.00$50.0010/20/2010 3:44:57 AM
penny-plato$25.00$25.0010/20/2010 8:08:34 AM
natural-greenback6$25.00$25.0010/20/2010 9:52:43 AM
TakeCare$60.00$60.0010/20/2010 3:43:41 PM
Wellman$50.00$50.0010/21/2010 7:43:04 AM
money-bauble$100.00$100.0010/21/2010 2:58:01 PM
valiant-liberty4$25.00$25.0010/22/2010 11:11:45 AM
reflective-rupee$33.00$33.0010/22/2010 12:32:40 PM
inspiring-reward$100.00$100.0010/22/2010 2:05:17 PM
well-mannered-income3$25.00$25.0010/22/2010 2:20:01 PM
psa1995$25.00$25.0010/22/2010 3:48:05 PM
noble-revenue$100.00$100.0010/22/2010 3:51:22 PM
shrewd-peace7$25.00$25.0010/22/2010 3:54:59 PM
suave-dime6$50.00$50.0010/22/2010 3:55:51 PM
helping-out$100.00$100.0010/22/2010 4:03:27 PM
kaykarun$25.00$25.0010/22/2010 9:32:36 PM
ryan6853$25.00$25.0010/22/2010 10:24:42 PM
investmentgroup$25.00$25.0010/23/2010 2:27:52 AM
crenen139$25.00$25.0010/23/2010 3:18:55 AM
red-favorable-basis$25.00$25.0010/23/2010 8:07:05 AM
loanman2007$75.00$75.0010/23/2010 10:38:01 AM
momoney2lend$25.00$25.0010/23/2010 11:01:01 AM
intuitive-bill$25.00$25.0010/23/2010 11:59:34 PM
vtr1000$25.00$25.0010/24/2010 11:14:23 AM
successful-agreement7$100.00$100.0010/24/2010 9:33:06 AM
NekHoldings$25.00$25.0010/24/2010 11:41:01 AM
bold-yield-rumbler$25.00$25.0010/24/2010 8:02:32 PM
treasure-bliss$50.00$50.0010/25/2010 6:33:16 AM
agiovasil$25.00$25.0010/25/2010 9:07:55 AM
orange-preeminant-bill$50.00$50.0010/25/2010 8:23:26 AM
smear87$25.00$25.0010/25/2010 9:26:34 AM
thorough-exchange4$50.00$50.0010/25/2010 11:01:09 AM
anton$5,000.00$3,140.8710/25/2010 1:50:36 PM
Aberdeen$500.00$500.0010/25/2010 1:56:23 PM
usedtoborrow$150.00$150.0010/25/2010 1:54:57 PM
dcm6276$25.00$25.0010/25/2010 2:33:40 PM
thankful-nickel2$25.00$25.0010/25/2010 1:51:44 PM
Aberdeen$400.00$400.0010/25/2010 1:56:26 PM
shrewd-income$50.00$50.0010/25/2010 2:14:24 PM
RecoveryLender$25.00$25.0010/25/2010 2:49:58 PM
Evan_Safe$25.00$25.0010/18/2010 3:41:20 PM
MoneyForNothing$36.20$36.2010/18/2010 8:24:56 PM
credit-guard5$25.00$25.0010/18/2010 9:22:02 PM
shmb6508$50.00$50.0010/19/2010 11:16:35 AM
all_of_that_one$40.00$40.0010/19/2010 11:18:27 AM
william8$25.00$25.0010/20/2010 11:04:38 AM
graceful-investment$100.00$100.0010/20/2010 11:52:42 AM
ingenious-deal6$25.00$25.0010/21/2010 9:34:55 AM
worthy-bid8$25.00$25.0010/21/2010 2:56:49 PM
jigsaw$50.00$50.0010/21/2010 3:08:01 PM
HedgeFund$50.00$50.0010/22/2010 9:40:08 AM
Bob450$35.00$35.0010/22/2010 11:08:14 AM
MadHun$100.00$100.0010/22/2010 4:03:51 PM
djindepth$35.73$35.7310/23/2010 5:23:27 AM
red-power-pecan$35.35$35.3510/23/2010 5:23:37 AM
skuba$25.00$25.0010/23/2010 5:04:04 AM
sensible-fund$36.39$36.3910/23/2010 8:03:27 AM
innocent-income4$25.00$25.0010/23/2010 8:11:36 AM
pursuit699$25.61$25.6110/23/2010 8:11:34 AM
Fire2$25.00$25.0010/23/2010 9:47:26 AM
investment-artist$25.00$25.0010/23/2010 9:28:22 AM
life-is-great$50.00$50.0010/23/2010 11:31:38 AM
new-social-economist$80.00$80.0010/23/2010 1:26:35 PM
whartonmba$25.00$25.0010/23/2010 5:41:28 PM
Saleen06$25.00$25.0010/23/2010 2:41:49 PM
finance-magma7$100.00$100.0010/23/2010 8:59:08 PM
SolarMoonshine$25.00$25.0010/24/2010 5:51:18 PM
fairhelper$25.00$25.0010/25/2010 8:37:45 AM
Mark0135$50.00$50.0010/25/2010 7:39:09 AM
lovely-benefit7$25.00$25.0010/25/2010 9:44:28 AM
Zipcut$25.00$25.0010/25/2010 9:00:42 AM
cashhelp$50.00$50.0010/25/2010 1:55:27 PM
wlm3012$25.00$25.0010/25/2010 2:45:53 PM
ethicalhumanist$50.00$50.0010/25/2010 2:14:27 PM
Rashanir$25.00$25.0010/25/2010 2:22:15 PM
Mocaba$150.00$150.0010/25/2010 2:51:21 PM
89 bids
 
Borrower Payment Dependent Notes Series 480533
This series of Notes was issued and sold upon the funding of the borrower loan #44989, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,667.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-21-2010 
  Auction end date:  Oct-26-2010 
 
Starting lender yield: 10.71% Starting borrower rate/APR: 11.71% / 14.94% Starting monthly payment: $55.14
Final lender yield: 10.71% Final borrower rate/APR: 11.71% / 14.94% Final monthly payment: $55.14
 
Auction yield range: 10.71% - 10.71% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2006 Debt/Income ratio: Not calculated
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 9 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $78Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Moe87 Borrower's state: California Borrower's group: LendersClub
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
Investor trying out the other side
Purpose of loan:
This loan will be used to? Reinvest in Prosper.

My financial situation:
I am a good candidate for this loan because? I have never been late on any payments. I do not need the money, I just want to continue to build my credit and try out borrowing with Prosper.

I currently have $6000 in savings so I can easily pay back this loan. Plus I have another $8000 + invested in Prosper

I am active duty Military (Air Force). I am an A1C (E-3) so you can check my income on military pay tables to verify. Going to be E-4 by Mid 2011.

Monthly net income: $
$1705 - base pay ( will get $108 pay raise in October and then on top of that another $173 mid 2011 bringing to total base pay per month to ($1986)
$323?? - food allowance
600??? - Housing Allowance
______________________

$2628 per month (eventually $2909 per month)

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $ 0 (car is paid off)
??Utilities: $ 60
??Phone, cable, internet: $ 54
??Food, entertainment: $ 150 (estimate)
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
_________________________________-

$704 per month in expenses

I paid off my car so I have very little expense. Most of my money goes into savings and investment accounts. I am only asking for $1000 to test it out.

I was originally only going to borrow $1000 but I changed it to $1667 because based on borrowers fees I would have been charged a $75 fee whether I borrowed $1000 or $1667. So I figured I am obviously better off asking for a little more.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
JGuide$101.99$101.9910/21/2010 10:21:00 AM
thebadpelican$50.00$50.0010/21/2010 11:35:21 AM
TJGbank$25.00$25.0010/21/2010 3:09:14 PM
JGuide$101.99$101.9910/21/2010 3:39:40 PM
tacologic$50.00$50.0010/21/2010 6:11:30 PM
gpuck$50.00$50.0010/21/2010 6:15:11 PM
roxon$25.00$25.0010/21/2010 6:47:47 PM
Socorro_Capital_Partners$25.00$25.0010/22/2010 9:54:54 AM
Integrity1st$25.44$25.4410/22/2010 9:32:27 PM
Integrity1st$51.36$51.3610/23/2010 6:16:27 AM
loanman2007$200.00$200.0010/23/2010 10:00:18 AM
Octamer$50.00$50.0010/23/2010 9:55:51 AM
well-mannered-income3$30.00$30.0010/23/2010 6:30:38 PM
marwadi-62$50.00$50.0010/23/2010 6:35:10 PM
shrewd-benjamins$25.00$25.0010/25/2010 8:28:01 AM
Only_Money$25.00$25.0010/25/2010 8:58:59 AM
Johnab$25.00$25.0010/25/2010 10:32:34 AM
coldfuzion$49.12$49.1210/25/2010 11:00:22 AM
systemlender$50.00$26.4310/26/2010 7:08:10 AM
alphabet76$37.23$37.2310/21/2010 4:13:48 PM
SoloX$25.00$25.0010/21/2010 6:15:40 PM
lucrative-coin$50.00$50.0010/21/2010 6:16:16 PM
UncleScroogeDMD$50.00$50.0010/21/2010 7:04:52 PM
lostperception$25.00$25.0010/21/2010 8:02:32 PM
reflective-rupee$33.00$33.0010/21/2010 8:54:18 PM
jpaulnyc$50.00$50.0010/22/2010 9:16:03 AM
enthusiastic-balance5$200.00$200.0010/22/2010 10:19:57 AM
calkidd05$35.00$35.0010/22/2010 1:23:15 PM
fxlivin$50.00$50.0010/22/2010 4:16:48 PM
debbymcc$25.00$25.0010/22/2010 5:56:13 PM
Integrity1st$25.44$25.4410/22/2010 9:39:25 PM
jc33148$25.00$25.0010/25/2010 10:19:42 PM
jsnryn$50.00$50.0010/26/2010 6:34:52 AM
33 bids
 
Borrower Payment Dependent Notes Series 435230
This series of Notes was issued and sold upon the funding of the borrower loan #45051, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $401.58
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $401.58
 
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: Aug-1998 Debt/Income ratio: 42%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 32 / 31Length of status:14y 3m
Amount delinquent: $0 Total credit lines: 43 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,367Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: princesskimmi Borrower's state: California Borrower's group: Loans2u
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 100% ) 680-699 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2009)
640-659 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Paying off my last few debts!
Purpose of loan:
To pay off last few credit cards?

My financial situation:
I have a proven record of meeting my financial obligations.? I have paid off one Prosper loan and continue to meet all my committments. Monthly net income: $ 5,000

Monthly expenses: $ $4,280
??Housing: $ 1900.00
??Insurance: $ 180.00
??Car expenses: $ 200.00 (Gas-cars are paid off)
??Utilities: $ 350.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 600.00 (this is?food, cleaning products, clothes etc. for a family of 4)
??Credit cards and other loans: $?800.00?
??Other expenses: $

I am want to pay off 5 credit cards that have an extremely high interest rate.?I have made big payments to these credit card companies and?as soon as I do they lower my available credit, which is fine, but it is really causing my high credit score to tumble.? I would rather?pay them off?at this point instead of?trying to?keep them open.?These cards are in my name only and are the last few I need to pay off to be credit card debt free.? The balance on my report is showing as $20,000.? The other $10,000 are joint accounts (authorized user with my son and husband) and they are obligated to paying that debt, which they do.? Since they cannont be considered in the household income, I am not considering them in the debt-loan factor.

I have a proven track record with Prosper and paid off one loan already.? I will have no problem meeting the loan payments as I am paying out $800.00 in monthly fees towards credit cards, and the Prosper loan is only $400.00.? I plan on using the difference to make higher monthly Prosper payments so this loan gets paid off quicker.
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: Good luck with your listing. Do you anticipate any major life events in the next year? This would include change in employment or employment status, birth of a child, marriage, divorce, declaring bankruptcy, etc. Please answer publicly. Thanks. - CaribbeanBanker
A: I have worked 15 years for local county govt. Lots of seniority no chance of me being let go. I am 45 and have a 21 year old son-no more kids. 22 years with my hubby..we are great!! I am financially strong. I just want to pay off credit cards that keep lowering my limit when I make a payment, which causes my high credit score that I worked hard for to tumble. I paid off one prosper loan in 32 payments instead of 36, am planning the same with this loan. Thanks for asking :) (Oct-23-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
all_of_that_one$40.00$40.0010/18/2010 3:05:51 PM
radiant-loan5$200.00$200.0010/18/2010 3:11:38 PM
bid-czar8$25.00$25.0010/18/2010 3:12:45 PM
NoCal$30.00$30.0010/18/2010 3:24:00 PM
Trakissta$150.00$150.0010/18/2010 6:50:18 PM
brother_tam$41.50$41.5010/18/2010 9:54:12 PM
nybanker85$36.62$36.6210/19/2010 7:52:49 AM
ptjg$50.00$50.0010/19/2010 10:39:36 AM
teller$50.00$37.5210/19/2010 10:06:25 AM
lendstats_com$200.00$200.0010/19/2010 4:19:42 PM
william8$25.00$25.0010/20/2010 11:17:43 AM
Sven79$150.00$150.0010/21/2010 9:07:20 AM
genuine-dime$100.00$100.0010/21/2010 1:34:35 PM
tech310$50.00$50.0010/21/2010 3:06:48 PM
JustMee$25.00$25.0010/21/2010 7:35:12 PM
irrelevant$25.00$25.0010/22/2010 4:19:08 PM
Aberdeen$400.00$400.0010/22/2010 4:23:39 PM
SolarMoonshine$25.00$25.0010/22/2010 4:25:36 PM
investmentgroup$25.00$25.0010/22/2010 4:37:41 PM
LeverageLender$25.00$25.0010/22/2010 4:36:32 PM
loss-of-control$50.00$50.0010/22/2010 4:49:17 PM
ben1crew$52.51$52.5110/22/2010 7:03:53 PM
Bcs-cnc$50.00$50.0010/22/2010 6:11:56 PM
bughead$25.00$25.0010/22/2010 6:24:18 PM
patriot384$180.00$180.0010/22/2010 6:32:18 PM
wattboy$26.34$26.3410/22/2010 8:07:13 PM
LKCGICG$50.00$50.0010/22/2010 9:08:09 PM
foldingbenny2$55.00$55.0010/22/2010 9:32:32 PM
_SCI_$25.00$25.0010/23/2010 2:16:22 AM
silver-parsec$30.00$30.0010/23/2010 6:03:17 AM
EEasyMoney$25.00$25.0010/23/2010 7:04:17 AM
investment-artist$25.00$25.0010/23/2010 10:03:00 AM
Pu239$60.00$60.0010/23/2010 8:35:00 AM
credit-guard5$25.00$25.0010/23/2010 10:21:32 AM
travelfirst$50.00$50.0010/23/2010 9:14:16 AM
rjcoutur2001$55.46$55.4610/23/2010 11:08:31 AM
aztocas$50.00$50.0010/23/2010 11:56:28 AM
umfan123$25.00$25.0010/23/2010 10:31:46 AM
Leshan$250.00$250.0010/23/2010 11:33:55 AM
bigb7$25.00$25.0010/23/2010 1:25:11 PM
new-social-economist$120.00$120.0010/23/2010 1:25:49 PM
1stBankAndHal$25.00$25.0010/23/2010 6:47:29 PM
CaribbeanBanker$25.00$25.0010/23/2010 7:06:07 PM
1-HARD-HEAD$25.00$25.0010/23/2010 4:32:33 PM
spectrumlend$50.00$50.0010/23/2010 8:45:46 PM
Katzenjammer$25.00$25.0010/23/2010 5:38:42 PM
credit-missile$25.00$25.0010/23/2010 9:09:58 PM
credit-missile$25.00$25.0010/23/2010 9:11:39 PM
nyran20$25.00$25.0010/23/2010 5:47:08 PM
ethicalhumanist$50.00$50.0010/23/2010 6:32:47 PM
PropertyInvest$25.00$25.0010/23/2010 5:57:12 PM
bull_lender$25.00$25.0010/23/2010 7:13:07 PM
credit-missile$25.00$25.0010/23/2010 9:22:58 PM
bannybucks$25.00$25.0010/23/2010 8:23:05 PM
SmallTown5$25.00$25.0010/24/2010 12:46:54 AM
SkyLoan$25.00$25.0010/23/2010 11:58:12 PM
arkleseizure$25.00$25.0010/24/2010 7:21:03 AM
JerryB96$25.00$25.0010/24/2010 7:28:52 AM
oceanside$25.00$25.0010/24/2010 7:57:26 AM
revenue-spa8$25.00$25.0010/24/2010 2:07:46 PM
thebadpelican$25.00$25.0010/24/2010 1:50:08 PM
minnesotafinancial$25.00$25.0010/24/2010 2:13:16 PM
favorite-commerce$100.00$100.0010/24/2010 5:25:59 PM
PeterPsych$150.00$150.0010/24/2010 3:33:20 PM
coasterman$25.00$25.0010/24/2010 7:12:39 PM
ZPBSFinanancialGroup$25.00$25.0010/24/2010 8:00:18 PM
CashFlowLender$50.00$50.0010/24/2010 7:03:42 PM
hope-lionheart1$60.00$60.0010/24/2010 9:19:51 PM
Chesterite$41.16$41.1610/24/2010 8:57:29 PM
DasMula$100.00$100.0010/24/2010 10:46:47 PM
TackingWindward$25.00$25.0010/24/2010 8:19:38 PM
amber_in_florida$25.00$25.0010/25/2010 4:02:14 AM
hamster$27.23$27.2310/25/2010 6:03:47 AM
coin-explorer$25.00$25.0010/24/2010 10:33:44 PM
George2384$25.00$25.0010/25/2010 4:47:53 AM
DoctorJoe$25.00$25.0010/25/2010 4:58:48 AM
ronin4sale$25.00$25.0010/25/2010 6:35:17 AM
Rulea72$37.33$37.3310/25/2010 7:58:49 AM
Isotope$25.00$25.0010/25/2010 6:25:33 AM
CACO_Bank$25.00$25.0010/25/2010 8:22:33 AM
moola-monger9$100.00$100.0010/25/2010 8:53:38 AM
HenlopenCapital$25.00$25.0010/25/2010 8:35:50 AM
poetic-economy$60.00$60.0010/25/2010 9:13:36 AM
palex$50.00$50.0010/25/2010 9:39:10 AM
forthright-trade$25.00$25.0010/25/2010 9:57:30 AM
social-heart$50.00$50.0010/25/2010 9:58:45 AM
brightest-dignified-penny$50.00$50.0010/25/2010 10:32:34 AM
Whitewater_Loans$50.00$50.0010/25/2010 11:29:15 AM
djkaiser$26.88$26.8810/25/2010 11:55:42 AM
social-zebra$25.00$25.0010/25/2010 1:27:20 PM
2grindstones$50.00$50.0010/25/2010 11:17:58 AM
testguy$25.00$25.0010/25/2010 1:44:38 PM
awesome-dollar5$115.00$115.0010/25/2010 1:08:49 PM
grampy48$50.00$50.0010/25/2010 1:34:06 PM
Mighty_Hunter$25.00$25.0010/25/2010 2:15:46 PM
market-mesh$25.00$25.0010/25/2010 2:20:38 PM
handshake5$100.00$100.0010/18/2010 3:12:40 PM
shmb6508$50.00$50.0010/19/2010 8:16:46 AM
Mr-Miracle$25.00$25.0010/19/2010 9:00:22 AM
Mr-Miracle$25.00$25.0010/19/2010 9:01:34 AM
well-mannered-income3$30.00$30.0010/21/2010 7:56:27 PM
red-favorable-basis$25.00$25.0010/22/2010 1:10:51 AM
jhouman$25.00$25.0010/22/2010 2:27:37 AM
BankofBeth$25.00$25.0010/22/2010 3:48:46 PM
Swish_Investments$25.71$25.7110/22/2010 3:33:13 PM
Aberdeen$500.00$500.0010/22/2010 4:23:22 PM
loss-of-control$50.00$50.0010/22/2010 4:48:55 PM
124SpiderMan$50.00$50.0010/22/2010 4:48:46 PM
loss-of-control$50.00$50.0010/22/2010 4:49:36 PM
draggon77$25.00$25.0010/22/2010 5:53:47 PM
thankful-nickel2$25.00$25.0010/22/2010 7:27:30 PM
courteous-kindness1$50.00$50.0010/22/2010 8:37:46 PM
Bob450$30.00$30.0010/22/2010 9:49:02 PM
kendigme$25.00$25.0010/23/2010 2:18:36 AM
srthsvghdthtr$25.00$25.0010/23/2010 2:22:50 AM
trumpeter5$25.00$25.0010/23/2010 5:08:31 AM
Moe87$25.00$25.0010/23/2010 8:02:31 AM
FinanceEngine$30.00$30.0010/23/2010 8:06:10 AM
Kyileo$25.00$25.0010/23/2010 9:16:52 AM
lucky2$50.00$50.0010/23/2010 10:00:30 AM
loanman2007$150.00$150.0010/23/2010 10:32:05 AM
worthy-bid4$25.00$25.0010/23/2010 11:11:45 AM
jcw3rd$25.00$25.0010/23/2010 1:45:23 PM
payout-reaction740$25.00$25.0010/23/2010 2:52:27 PM
vest_vortex$25.00$25.0010/23/2010 12:25:00 PM
Sugarmama21$60.00$60.0010/23/2010 1:23:54 PM
rockhound84$25.00$25.0010/23/2010 3:20:15 PM
integrity-doctor$100.00$100.0010/23/2010 1:54:21 PM
mpatrick$35.00$35.0010/23/2010 3:10:32 PM
SFBank$300.00$300.0010/23/2010 3:46:54 PM
bizzzond$59.56$59.5610/23/2010 4:44:15 PM
credit-missile$25.00$25.0010/23/2010 9:11:09 PM
chrisb1414$25.00$25.0010/23/2010 6:13:33 PM
KLcapital$50.00$50.0010/23/2010 6:45:32 PM
credit-missile$25.00$25.0010/23/2010 9:11:25 PM
1-HARD-HEAD$25.00$25.0010/24/2010 4:28:41 AM
d_grbg$25.00$25.0010/24/2010 7:06:57 AM
psycardis$25.00$25.0010/24/2010 2:40:08 AM
wlm3012$25.00$25.0010/24/2010 10:47:17 AM
rapid-currency$25.00$25.0010/24/2010 10:56:20 AM
Sturgee$25.00$25.0010/24/2010 8:00:05 AM
farchoir$25.00$25.0010/24/2010 10:09:12 AM
erowis$25.00$25.0010/24/2010 10:22:42 AM
RKLFinancial$131.50$131.5010/24/2010 1:19:17 PM
generosity-serrano$28.44$28.4410/24/2010 7:42:03 PM
papaloha$300.00$300.0010/25/2010 1:50:00 AM
market-pudding$25.00$25.0010/24/2010 8:22:56 PM
omegamon1$80.00$80.0010/24/2010 8:32:56 PM
tarion3$25.00$25.0010/24/2010 9:05:25 PM
kendigme$25.00$25.0010/25/2010 2:31:35 AM
simeonthewhale$25.00$25.0010/25/2010 3:10:22 AM
wonder3$25.00$25.0010/25/2010 6:01:03 AM
ralf206$25.00$25.0010/24/2010 11:18:55 PM
NekHoldings$25.00$25.0010/25/2010 7:35:45 AM
attractive-fund$50.00$50.0010/25/2010 6:19:21 AM
cash-prodigy1$50.00$50.0010/25/2010 8:19:42 AM
peace-saber0$25.00$25.0010/25/2010 8:21:03 AM
Vans1975$29.00$29.0010/25/2010 5:08:42 AM
martymaniaman$36.46$36.4610/25/2010 6:31:42 AM
apple757$25.00$25.0010/25/2010 7:09:21 AM
rate-hickory$25.00$25.0010/25/2010 8:47:23 AM
HammerSmith$25.00$25.0010/25/2010 9:39:02 AM
WMY-Investor$100.00$100.0010/25/2010 9:14:21 AM
verdiprr$200.00$200.0010/25/2010 9:23:30 AM
RecoveryLender$25.00$25.0010/25/2010 9:34:09 AM
grnii78$119.89$119.8910/25/2010 8:42:23 AM
carlos_chantana$25.00$25.0010/25/2010 10:08:15 AM
market-enthusiast$50.00$50.0010/25/2010 9:55:50 AM
principal-star$25.00$25.0010/25/2010 10:02:34 AM
tpcnet$27.11$27.1110/25/2010 10:05:56 AM
realtormoises$25.00$25.0010/25/2010 10:18:45 AM
new-social-economist$80.00$80.0010/25/2010 11:42:58 AM
dano1965$41.72$41.7210/25/2010 12:02:02 PM
ZPBSFinanancialGroup$50.00$50.0010/25/2010 12:31:48 PM
Bidwinner08$26.57$26.5710/25/2010 11:28:46 AM
Nerdster1$25.01$25.0110/25/2010 11:32:03 AM
AM2171$25.00$25.0010/25/2010 12:55:02 PM
whatreality$40.71$40.7110/25/2010 11:07:19 AM
friendinmoney$25.00$25.0010/25/2010 1:28:18 PM
italisvital$25.00$25.0010/25/2010 12:00:56 PM
economy-popcorn$25.00$25.0010/25/2010 1:08:15 PM
Whipster$25.00$25.0010/25/2010 1:36:39 PM
Mighty_Hunter$25.00$25.0010/25/2010 2:21:38 PM
Astyanax$100.00$100.0010/25/2010 1:23:50 PM
COtheBeast$25.00$25.0010/25/2010 2:49:20 PM
revenue-appraiser$30.00$30.0010/25/2010 1:42:38 PM
honey-money$50.00$50.0010/25/2010 1:54:59 PM
Rashanir$25.77$25.7710/25/2010 2:20:32 PM
exciting-fairness$200.00$200.0010/25/2010 2:39:33 PM
p2ploan-sensation211$50.00$50.0010/25/2010 2:45:31 PM
190 bids
 
Borrower Payment Dependent Notes Series 479684
This series of Notes was issued and sold upon the funding of the borrower loan #45048, 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-14-2010 
  Auction end date:  Oct-21-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 28.50% Final monthly payment: $198.80
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 19.68%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1993 Debt/Income ratio: 36%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:16y 5m
Amount delinquent: $0 Total credit lines: 37 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,415Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: gilbert10021 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 37 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,700.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2009)
620-639 (Aug-2008)
 
Principal balance: $1,159.20 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
3rd Prosper loan, again 35%
Purpose of loan:
This loan will be used to? pay off credit cards this time. i done paid off finance companies and payday loan companies with the 1st 2 loans I have with Prosper. i am paying off dell, home depot, sears, HSBC, and Merrick Bank.

My financial situation:
I am a good candidate for this loan because??I am perfect with?my 2?previous Prosper loans and I am not late on one single bill on my credit report as you can see.?I have made 37 payments to Prosper so far. I paid my first Prosper loan off a year ahead of time too.?I?am still at my same 2 jobs going on over 11 years now. one of them?I have been at 16 years and the other 11. I bet you thought since this is my 3rd Prosper loan that I would have started the interest rate lower. Not so. I am leaving the interest rate every time at 35% for you lenders.?the only people who can make it lower is you lenders if you want to. so this is going to?be my 3rd Prosper loan and it will the highest interest rate again allowed, 35%. Happy bidding and let me know if you need anything.??

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 290
??Insurance: $ 31
??Car expenses: $ 60
??Utilities: $ 80
??Phone, cable, internet: $ 71
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 700(will go down after?I pay off credit cards and add new payment to Prosper to 580)
??Other expenses: $ 68 Prosper 2nd loan
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, Why did you have 5 delinquencies before and 1 public record? Thanks. - p2ploan-sensation211
A: This all happened in 2002 when my employer filed for bankruptcy and closed my store. I eventually was called back to work at another store but not fast enough. Thanks. (Oct-21-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Aberdeen$400.00$400.0010/18/2010 9:55:22 AM
thankful-nickel2$25.00$25.0010/18/2010 11:05:34 AM
Aberdeen$500.00$500.0010/18/2010 5:14:06 PM
balance-river$50.00$50.0010/18/2010 6:35:50 PM
wyogirllender$25.00$25.0010/19/2010 2:44:31 PM
Bocephus1959$50.00$50.0010/19/2010 5:55:53 PM
pugmalion$25.00$25.0010/20/2010 8:44:37 AM
Socorro_Capital_Partners$25.00$25.0010/20/2010 9:37:39 AM
Catz_aplenty$25.00$25.0010/20/2010 10:37:21 AM
Starfin-Capital-Management$351.64$351.6410/20/2010 3:24:33 PM
showmethemoney5$27.22$27.2210/20/2010 4:19:05 PM
lendstats_com$100.00$100.0010/20/2010 6:07:30 PM
credit-missile$25.00$25.0010/20/2010 8:26:40 PM
nashibaksi$25.00$25.0010/20/2010 6:45:32 PM
credit-missile$25.00$25.0010/20/2010 8:21:29 PM
credit-missile$25.00$25.0010/20/2010 8:23:35 PM
credit-missile$25.00$25.0010/20/2010 8:22:28 PM
doopers$50.00$50.0010/21/2010 6:31:34 AM
bonus-quark4$27.83$27.8310/21/2010 7:16:01 AM
minnesotafinancial$25.00$25.0010/21/2010 7:29:15 AM
EEasyMoney$25.00$25.0010/21/2010 7:24:31 AM
starry2001$25.00$25.0010/21/2010 8:34:38 AM
Chesterite$25.00$25.0010/21/2010 9:49:38 AM
Orbason$50.00$50.0010/21/2010 10:08:43 AM
zdaddy3$25.00$25.0010/21/2010 10:33:48 AM
LittleMingo$35.00$35.0010/21/2010 11:25:48 AM
peaceful-farmer$50.00$50.0010/21/2010 11:39:40 AM
Branch95$75.00$75.0010/21/2010 12:13:24 PM
Bob450$25.00$25.0010/21/2010 12:37:40 PM
Bekim$30.00$30.0010/21/2010 12:40:58 PM
grampy48$25.00$25.0010/21/2010 12:55:29 PM
honey-money$30.00$30.0010/21/2010 1:43:27 PM
Mocaba$150.00$150.0010/21/2010 2:06:12 PM
phchristensen$50.00$50.0010/21/2010 2:05:19 PM
Aberdeen$400.00$400.0010/18/2010 9:55:21 AM
lightninghcky7$26.01$26.0110/18/2010 2:48:03 PM
poetic-economy$100.00$100.0010/18/2010 4:01:53 PM
well-rounded-return3$100.00$100.0010/18/2010 8:32:37 PM
golffish2$100.00$100.0010/19/2010 4:30:03 AM
Firescreek$25.00$25.0010/19/2010 8:41:55 AM
shawnw2$1,000.00$762.3610/19/2010 3:35:05 PM
Socorro_Capital_Partners$25.00$25.0010/20/2010 9:15:12 AM
ga_rainman$25.00$25.0010/20/2010 9:55:06 AM
neorunner$25.00$25.0010/20/2010 11:29:43 AM
PeterPsych$115.00$115.0010/20/2010 4:13:26 PM
Leshan$75.00$75.0010/20/2010 4:39:02 PM
420limo$31.36$31.3610/20/2010 9:07:20 PM
fcb202$50.00$50.0010/20/2010 7:59:09 PM
credit-missile$25.00$25.0010/20/2010 8:31:00 PM
shrewd-income$100.00$100.0010/20/2010 8:56:36 PM
ZLyons$25.00$25.0010/20/2010 9:41:04 PM
penny-plato$25.00$25.0010/21/2010 7:01:19 AM
want2race$25.00$25.0010/21/2010 6:54:53 AM
helpwithoutbanks$25.00$25.0010/21/2010 6:31:18 AM
coin-explorer$25.00$25.0010/21/2010 8:13:19 AM
Rulea72$50.00$50.0010/21/2010 7:38:22 AM
JeramyU$30.00$30.0010/21/2010 8:03:30 AM
CashCow-Moooo-la$43.58$43.5810/21/2010 9:05:42 AM
Lubava$25.00$25.0010/21/2010 10:08:04 AM
fairness-atmosphere$40.00$40.0010/21/2010 10:25:04 AM
drb4ever$25.00$25.0010/21/2010 10:55:28 AM
finance-burger$25.00$25.0010/21/2010 11:13:21 AM
Mikale360$25.00$25.0010/21/2010 12:10:58 PM
HomerdohNY$25.00$25.0010/21/2010 12:27:16 PM
gothampark$25.00$25.0010/21/2010 1:25:58 PM
Astyanax$100.00$100.0010/21/2010 1:31:17 PM
wealth-multiplier$25.00$25.0010/21/2010 1:34:40 PM
67 bids
 
Borrower Payment Dependent Notes Series 479736
This series of Notes was issued and sold upon the funding of the borrower loan #45045, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-23-2010 
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $374.35
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $364.76
 
Auction yield range: 5.71% - 16.00% 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: 17%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:12y 9m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,221Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: pioneer538 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
Cash for Operational Expenses
Purpose of loan: Purchased 6 profitable accounting /tax businesses in California with top line revenue over $1.6M, using a huge chunk of my savings. Unfortunately due to the seasonality of the tax business, no revenue will be generated until the first quarter of 2011. This loan will help pay for some of the yearly cost associated involved in setting the stage ready for the season, i.e. rent, wages etc.
My financial situation:
1). I'm currently employed with a decent yearly salary close to $ 94,000.( Note this includes income from my consultation practice in Los Angeles)
2). I have hobby income from rental properties and vehicle sales.
3). My FICO score of 740 shows my level of responsibility and compliance to any agreement entered into.
Be rest assured Team that your investment isn't going to charity. The 2011 tax filing season is around the corner, so don't miss out on a great investment opportunity like this! Thanks to all previous investors!
4). Previous listing of $15,000 was funded at a 100% but prosper wouldn't include income from other business sources , so loan funding was cancelled. Feel free to ask questions if you clarity on anything.
Thanks
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rescue$100.00$100.0010/18/2010 2:59:40 PM
worthy-bid8$50.00$50.0010/18/2010 3:00:02 PM
bountiful-durability$100.00$100.0010/18/2010 3:07:46 PM
mike_banker$50.00$50.0010/18/2010 3:08:20 PM
radforj22$25.00$25.0010/18/2010 3:00:44 PM
alpinaut$25.00$25.0010/18/2010 2:59:48 PM
jeg3k$50.00$50.0010/18/2010 3:11:14 PM
DRA-Properties$25.00$25.0010/18/2010 3:07:58 PM
bowdish1$50.00$50.0010/18/2010 3:09:53 PM
studious-bonus7$100.00$100.0010/18/2010 3:19:39 PM
delicious-social132$50.00$50.0010/18/2010 3:10:42 PM
tntmojave$25.00$25.0010/18/2010 3:20:03 PM
jdwillcox$50.00$50.0010/18/2010 3:08:32 PM
wings2fly$25.00$25.0010/18/2010 3:22:47 PM
payout-achievement$100.00$100.0010/18/2010 3:11:01 PM
williemc44$50.00$50.0010/18/2010 3:14:39 PM
Sevron$100.00$100.0010/18/2010 3:15:27 PM
enthralling-deal180$50.00$50.0010/18/2010 3:16:07 PM
efficient-treasure0$25.00$25.0010/18/2010 3:19:15 PM
SelectTrustLending$25.00$25.0010/18/2010 3:19:29 PM
kmr2$200.00$200.0010/18/2010 3:16:48 PM
ray1051$25.00$25.0010/18/2010 3:17:12 PM
bambampk$25.00$25.0010/18/2010 3:19:03 PM
helping-out$100.00$64.1810/18/2010 3:23:47 PM
tolerant-dinero2$25.00$25.0010/18/2010 3:24:24 PM
techvet$50.00$50.0010/18/2010 3:21:44 PM
hookUup$100.00$100.0010/18/2010 6:15:30 PM
silver-armada$50.00$50.0010/20/2010 5:04:08 AM
mjunlimited$50.00$50.0010/20/2010 6:28:58 AM
designs626$50.00$50.0010/20/2010 7:12:02 AM
suave-dime6$25.00$25.0010/20/2010 7:51:28 AM
nestegg4e$25.00$25.0010/20/2010 8:44:23 AM
Eagledrop$25.00$25.0010/20/2010 8:46:31 AM
deal-enrichment$50.00$50.0010/20/2010 9:49:03 AM
greenback-bull6$50.00$50.0010/20/2010 11:14:01 AM
equitable-yield4$25.00$25.0010/20/2010 11:25:46 AM
dollardave$100.00$100.0010/20/2010 1:11:19 PM
LittlePiggyBank$49.83$49.8310/20/2010 1:49:11 PM
Magog12$50.00$50.0010/20/2010 9:41:14 PM
FinDoc$25.00$25.0010/21/2010 1:46:30 AM
blukestrel$25.00$25.0010/20/2010 10:39:31 PM
Mindful7$25.00$25.0010/21/2010 4:58:46 AM
rupee-prairie$25.00$25.0010/21/2010 5:16:00 AM
LongTail$25.00$25.0010/21/2010 10:39:17 AM
MyKidsDad$25.00$25.0010/21/2010 10:49:27 AM
omerta6102$50.00$50.0010/21/2010 1:18:28 PM
108lender$100.00$100.0010/21/2010 2:50:54 PM
smurf163$25.00$25.0010/21/2010 2:53:50 PM
UncleSteve3000$26.00$26.0010/21/2010 3:03:52 PM
gjm6d$25.00$25.0010/21/2010 5:52:19 PM
rakstar$25.00$25.0010/21/2010 6:41:12 PM
dinero-launcher$25.00$25.0010/21/2010 7:13:36 PM
chairsitter$25.00$25.0010/21/2010 10:56:04 PM
sungbaek$25.00$25.0010/21/2010 11:33:11 PM
paladin847$50.00$50.0010/22/2010 4:50:53 AM
awesome-dollar5$100.00$100.0010/22/2010 6:09:58 AM
srgriff$25.00$25.0010/22/2010 8:58:22 AM
mmmm1982$25.00$25.0010/22/2010 9:26:34 AM
currency-trophy$50.00$50.0010/22/2010 10:10:05 AM
sunrise16$30.00$30.0010/22/2010 10:11:10 AM
ready-vigilance3$50.00$50.0010/22/2010 10:10:46 AM
helvet$25.00$25.0010/22/2010 10:23:07 AM
bold-shrewd-duty$50.00$50.0010/22/2010 10:21:44 AM
gracej$25.00$25.0010/22/2010 10:23:54 AM
ClearLake$25.00$25.0010/22/2010 10:24:38 AM
reueljw$25.00$25.0010/22/2010 10:28:40 AM
1fletch$52.16$52.1610/22/2010 10:41:08 AM
engaging-leverage823$25.00$25.0010/22/2010 11:47:31 AM
ideal-platinum1$50.00$50.0010/22/2010 12:24:44 PM
StarE$25.00$25.0010/22/2010 12:28:14 PM
listing-meridian$60.37$60.3710/22/2010 12:19:37 PM
velvetsmog$25.00$25.0010/22/2010 12:20:02 PM
ashlil01$25.00$25.0010/22/2010 12:21:12 PM
integrity-trumpet$50.00$50.0010/22/2010 12:21:53 PM
moola-rose8$25.00$25.0010/22/2010 12:22:03 PM
MakoF16$50.00$50.0010/22/2010 12:22:18 PM
bill-mushroom$25.00$25.0010/22/2010 12:22:33 PM
grystndoc$50.00$50.0010/22/2010 12:23:01 PM
trapper569$50.00$50.0010/22/2010 12:22:05 PM
ArchonFinancialHoldings$25.00$25.0010/22/2010 12:22:28 PM
dedicated-bid1$25.00$25.0010/22/2010 12:24:49 PM
KileNSmyth4$25.00$25.0010/22/2010 12:22:59 PM
wealth-hercules$25.00$25.0010/22/2010 12:24:38 PM
market-squadron3$25.00$25.0010/22/2010 12:24:47 PM
harmonious-moola7$50.00$50.0010/22/2010 12:25:08 PM
MutuallyBeneficial$35.94$35.9410/22/2010 12:25:12 PM
blissful-penny$58.04$58.0410/22/2010 12:58:25 PM
B-rad_the_Coug$25.00$25.0010/22/2010 1:18:16 PM
KiwiElf$30.00$30.0010/22/2010 1:17:45 PM
rapid-credit428$25.00$25.0010/22/2010 1:19:33 PM
valiant-liberty4$25.00$25.0010/22/2010 1:40:45 PM
impartial-deal$25.00$25.0010/22/2010 2:11:23 PM
bizguy1982$25.00$25.0010/22/2010 2:22:26 PM
Ven58$25.00$25.0010/22/2010 2:22:52 PM
Earnest_Money$25.00$25.0010/22/2010 2:37:10 PM
wwwUniversal$25.00$25.0010/22/2010 3:39:43 PM
Richmp412$25.00$25.0010/22/2010 3:33:03 PM
FadSaolAgat$50.00$50.0010/22/2010 4:28:10 PM
loss-of-control$50.00$50.0010/22/2010 4:53:34 PM
PaulW$25.00$25.0010/22/2010 5:46:20 PM
derec$25.00$25.0010/22/2010 5:42:43 PM
crawfingers$25.00$25.0010/22/2010 5:45:36 PM
worldly-penny8$50.00$50.0010/22/2010 5:46:25 PM
kashikoe$25.00$25.0010/22/2010 9:32:52 PM
Residuum$50.00$50.0010/22/2010 10:23:58 PM
lostontheedge$25.00$25.0010/22/2010 10:47:18 PM
Hexnut$25.00$25.0010/22/2010 10:57:17 PM
jtradition$34.86$34.8610/23/2010 1:57:13 AM
kaykarun$25.00$25.0010/23/2010 2:55:57 AM
selfmademan$25.00$25.0010/23/2010 2:21:28 AM
important-ore$100.00$100.0010/23/2010 3:59:12 AM
hrubinst$50.00$50.0010/23/2010 3:14:24 AM
think-become$25.00$25.0010/23/2010 3:31:17 AM
new-reward-sequoia$25.00$25.0010/23/2010 3:34:21 AM
worth-victor6$25.00$25.0010/23/2010 3:55:09 AM
Johnab$25.00$25.0010/23/2010 5:45:25 AM
MarinLoans$25.00$25.0010/23/2010 7:25:47 AM
LouisSaint$25.00$25.0010/23/2010 7:52:21 AM
deal-vibrato$50.00$50.0010/23/2010 12:14:27 PM
bullwink27$25.00$25.0010/23/2010 10:44:54 AM
dloan$25.00$25.0010/23/2010 10:27:45 AM
trade-elm$30.00$30.0010/23/2010 1:13:53 PM
historic-nickel$25.00$25.0010/23/2010 11:32:06 AM
allamerathlete$25.00$25.0010/23/2010 11:38:26 AM
divedude$43.02$43.0210/23/2010 12:20:57 PM
upbeat-wealth$25.00$25.0010/23/2010 11:59:53 AM
maximizer$25.00$25.0010/23/2010 12:51:43 PM
xchach1ng$25.00$25.0010/23/2010 12:59:18 PM
Weaverville$50.00$50.0010/18/2010 3:00:56 PM
generous-deal6$50.00$50.0010/18/2010 3:03:18 PM
larrybird$150.00$150.0010/18/2010 3:03:26 PM
objective-investor$100.00$100.0010/18/2010 3:09:12 PM
cybernosha$25.00$25.0010/18/2010 3:10:32 PM
Gabriel02$25.00$25.0010/18/2010 3:02:16 PM
GElender$75.00$75.0010/18/2010 3:02:54 PM
bid-czar8$50.00$50.0010/18/2010 3:13:20 PM
authentic-liberty7$25.00$25.0010/18/2010 3:07:16 PM
JohnGalt79$100.00$100.0010/18/2010 3:09:36 PM
cutter21$25.00$25.0010/18/2010 3:11:15 PM
crenen139$25.00$25.0010/18/2010 3:11:26 PM
lean-integrity9$100.00$100.0010/18/2010 3:20:45 PM
schpere$100.00$100.0010/18/2010 3:21:24 PM
jazzlender$25.00$25.0010/18/2010 3:21:31 PM
escharfer$25.00$25.0010/18/2010 3:21:35 PM
ichibon$150.00$150.0010/18/2010 3:10:06 PM
supersarah61$25.00$25.0010/18/2010 3:22:04 PM
handshake5$100.00$100.0010/18/2010 3:13:54 PM
TakeCare$80.00$80.0010/18/2010 3:14:16 PM
maldok1$25.00$25.0010/18/2010 3:16:21 PM
CAGE-Investments$25.00$25.0010/18/2010 3:16:35 PM
MadHun$75.00$75.0010/18/2010 3:14:03 PM
graceful-investment$100.00$100.0010/18/2010 3:18:25 PM
papaloha$200.00$200.0010/20/2010 12:39:35 AM
the-money-position$50.00$50.0010/20/2010 12:33:18 PM
bold-durability-drum$50.00$50.0010/20/2010 4:14:01 PM
innocent-income4$25.00$25.0010/20/2010 5:15:34 PM
kenji4861$25.00$25.0010/20/2010 9:41:23 PM
boogles72$50.00$50.0010/20/2010 10:03:04 PM
rad-pred$50.00$50.0010/21/2010 4:27:11 AM
happyinvallarta$50.00$50.0010/21/2010 7:18:18 AM
natural-affluence4$25.00$25.0010/21/2010 9:35:09 AM
money-yeller$50.00$50.0010/21/2010 9:49:08 AM
comet55$25.00$25.0010/21/2010 9:47:48 AM
Mark0135$50.00$50.0010/21/2010 10:39:34 AM
BigLinCT$25.00$25.0010/21/2010 2:53:36 PM
tranquil-revenue$50.00$50.0010/21/2010 2:54:22 PM
colbie$25.00$25.0010/21/2010 2:53:43 PM
j2ee$25.00$25.0010/21/2010 2:53:52 PM
Hondo$25.00$25.0010/21/2010 3:25:50 PM
Interloper$25.00$25.0010/21/2010 3:22:24 PM
imoutdoorsy$25.00$25.0010/21/2010 4:36:18 PM
gardenofeden$25.55$25.5510/21/2010 3:42:19 PM
platinum-hunter7$30.00$30.0010/21/2010 5:38:47 PM
nicklds$25.00$25.0010/21/2010 5:59:22 PM
soulwork$25.00$25.0010/21/2010 7:04:46 PM
greenbackapult9$25.00$25.0010/21/2010 6:42:43 PM
karmarush$25.00$25.0010/21/2010 6:45:43 PM
ferocious-finance$25.00$25.0010/21/2010 8:23:39 PM
nickel-hickory$25.00$25.0010/21/2010 7:36:08 PM
mmckune$25.00$25.0010/22/2010 2:32:24 AM
oldman68$25.00$25.0010/22/2010 7:03:48 AM
wise-silver-wonder$25.00$25.0010/22/2010 7:10:58 AM
lcole32$25.00$25.0010/22/2010 8:40:44 AM
fulfilling-investment4$25.00$25.0010/22/2010 9:26:13 AM
Phantom99$25.00$25.0010/22/2010 8:21:32 AM
jc33148$25.00$25.0010/22/2010 9:35:01 AM
yennib$50.00$50.0010/22/2010 10:12:07 AM
Cheburashka$25.00$25.0010/22/2010 10:20:26 AM
SafeSaxa$30.00$30.0010/22/2010 10:15:37 AM
peso-fortress$25.00$25.0010/22/2010 10:23:10 AM
focused-wampum$25.00$25.0010/22/2010 10:23:59 AM
pleasant-basis$25.00$25.0010/22/2010 10:42:37 AM
nycfinance$25.00$25.0010/22/2010 10:42:24 AM
justice-dna$25.00$25.0010/22/2010 10:43:12 AM
papyrus111$25.00$25.0010/22/2010 11:47:34 AM
heroic-payout9$25.00$25.0010/22/2010 11:32:14 AM
geemel$25.00$25.0010/22/2010 11:27:35 AM
CoolHelp$50.00$50.0010/22/2010 12:17:23 PM
credible-duty9$25.00$25.0010/22/2010 12:21:59 PM
mikrolown$50.00$50.0010/22/2010 12:22:30 PM
rulender$31.17$31.1710/22/2010 12:23:27 PM
currency-solo$50.00$50.0010/22/2010 12:24:16 PM
reward-planetarium$100.00$100.0010/22/2010 12:24:40 PM
ashot12$25.00$25.0010/22/2010 12:24:54 PM
investment-tempo$43.82$43.8210/22/2010 12:25:07 PM
williamdkit$35.00$35.0010/22/2010 12:13:08 PM
gold-disk$50.00$50.0010/22/2010 12:18:39 PM
Wizard2$50.00$50.0010/22/2010 12:18:57 PM
galvatron$50.00$50.0010/22/2010 12:21:07 PM
vigorous-integrity8$25.00$25.0010/22/2010 12:21:51 PM
ardaentiknik$50.00$50.0010/22/2010 12:19:32 PM
DeutscheBank$25.00$25.0010/22/2010 12:21:57 PM
kmwvma$25.00$25.0010/22/2010 12:22:13 PM
hanuman77$50.00$50.0010/22/2010 12:22:24 PM
Cutts$25.00$25.0010/22/2010 12:22:11 PM
social-comet7$25.00$25.0010/22/2010 12:24:57 PM
bold-punctual-wampum$50.00$50.0010/22/2010 12:25:14 PM
assetmanager$25.00$25.0010/22/2010 12:26:48 PM
lordnecron$25.00$25.0010/22/2010 12:24:32 PM
pokey38650$25.00$25.0010/22/2010 12:27:30 PM
Cubsfan07$25.00$25.0010/22/2010 12:24:42 PM
SMARTDISK$25.00$25.0010/22/2010 12:27:41 PM
eloquent-dough5$25.00$25.0010/22/2010 12:25:10 PM
Aimvest$25.00$25.0010/22/2010 12:25:32 PM
Banker7371$25.00$25.0010/22/2010 12:53:40 PM
xlnt-loans$27.93$27.9310/22/2010 1:26:58 PM
matt84003$25.00$25.0010/22/2010 2:11:55 PM
tacopants$100.00$100.0010/22/2010 2:26:35 PM
DeltaComputerGuy$25.00$25.0010/22/2010 3:21:40 PM
kubien$50.00$50.0010/22/2010 3:59:14 PM
nowits10$25.00$25.0010/22/2010 4:18:10 PM
Flux$50.00$50.0010/22/2010 4:42:54 PM
ejdirin$47.32$47.3210/22/2010 5:42:12 PM
DadWarbucks$50.00$50.0010/22/2010 5:45:26 PM
lost-money-so-far-on-these$25.00$25.0010/22/2010 5:46:04 PM
PCGeekWI$25.00$25.0010/22/2010 5:46:13 PM
cheng$25.00$25.0010/22/2010 5:46:23 PM
kanewna$39.41$39.4110/22/2010 7:12:58 PM
raiderj$25.00$25.0010/22/2010 10:38:30 PM
easylender$25.00$25.0010/23/2010 2:02:33 AM
davidc314$31.54$31.5410/23/2010 2:40:44 AM
geniusj$25.00$25.0010/23/2010 2:02:09 AM
kalex752$27.60$27.6010/23/2010 2:13:53 AM
intlargonaut$26.84$26.8410/23/2010 2:18:34 AM
LandE2BG$25.00$25.0010/23/2010 2:18:49 AM
prohelper$26.38$26.3810/23/2010 2:19:41 AM
soroxy$25.00$25.0010/23/2010 2:42:56 AM
CPAMAN$25.00$25.0010/23/2010 2:45:06 AM
bxdoc$75.00$75.0010/23/2010 3:34:07 AM
StreetJustice$43.92$43.9210/23/2010 3:30:16 AM
ttnk62918$25.00$25.0010/23/2010 3:58:35 AM
MO_Investor$25.00$25.0010/23/2010 4:05:43 AM
leverage-monger$25.00$25.0010/23/2010 8:12:19 AM
scottssm$40.00$40.0010/23/2010 7:31:13 AM
dinero-festivity2$49.12$49.1210/23/2010 7:56:01 AM
suk200$25.00$25.0010/23/2010 9:03:01 AM
compassionate-fairness6$25.00$25.0010/23/2010 9:07:22 AM
aggielender$25.00$25.0010/23/2010 9:18:30 AM
scottyb73$50.00$50.0010/23/2010 10:47:06 AM
Sunny_D$50.00$50.0010/23/2010 11:23:39 AM
pwkpwk$25.00$25.0010/23/2010 1:01:23 PM
261 bids
 
Borrower Payment Dependent Notes Series 479818
This series of Notes was issued and sold upon the funding of the borrower loan #45023, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-15-2010 
  Auction end date:  Oct-22-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $224.34
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1988 Debt/Income ratio: 25%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,742Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: extraordinary-investment5 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
Trying to widdle the debt down
Purpose of loan:
This loan will be used to consolidate debt
My financial situation:
I am a good candidate for this loan because I will be ready to pay off the entire debt by mid summer next year

Monthly net income: $ 3800

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 457.66
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?500
??Other expenses: $ 100.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radiant-loan5$100.00$100.0010/15/2010 3:32:03 PM
handshake5$100.00$100.0010/15/2010 3:32:28 PM
bid-czar8$25.00$25.0010/15/2010 3:32:31 PM
noble-revenue$50.00$50.0010/15/2010 10:26:53 PM
special-currency6$25.00$25.0010/17/2010 8:53:36 AM
shmb6508$50.00$50.0010/18/2010 6:28:40 AM
Ocean713$50.00$50.0010/18/2010 7:13:33 AM
musegaze$34.51$34.5110/18/2010 1:55:20 PM
teller$50.00$50.0010/18/2010 8:02:58 PM
TakeCare$60.00$60.0010/19/2010 11:21:22 AM
worthy-bid8$25.00$25.0010/19/2010 11:22:47 AM
graceful-investment$100.00$100.0010/19/2010 11:23:29 AM
HedgeFund$50.00$50.0010/19/2010 11:21:14 AM
ingenious-deal6$25.00$25.0010/19/2010 11:24:12 AM
psa1995$25.00$25.0010/19/2010 4:15:22 PM
MadHun$100.00$100.0010/19/2010 6:31:44 PM
suave-dime6$50.00$50.0010/19/2010 5:24:13 PM
inspiring-reward$33.64$33.6410/20/2010 3:37:45 AM
crenen139$25.00$25.0010/20/2010 11:53:07 AM
shrewd-peace7$50.00$50.0010/20/2010 12:03:46 PM
cropdust3r$25.00$25.0010/20/2010 3:33:27 PM
contract-happiness1$25.00$25.0010/20/2010 3:31:25 PM
life-is-great$50.00$50.0010/20/2010 3:31:27 PM
red-power-pecan$50.00$50.0010/20/2010 3:35:52 PM
108lender$50.00$50.0010/20/2010 9:49:21 PM
Bob450$25.00$25.0010/21/2010 11:12:39 AM
FASTIZIO_P$25.00$25.0010/21/2010 2:42:52 PM
GElender$25.00$25.0010/21/2010 2:43:17 PM
ivadood$100.00$100.0010/21/2010 2:45:50 PM
tearingstar$25.00$25.0010/21/2010 2:46:29 PM
all_of_that_one$45.00$45.0010/21/2010 2:45:59 PM
first-listing-expert$25.00$25.0010/21/2010 2:46:36 PM
orderly-leverage$50.00$50.0010/21/2010 2:46:44 PM
jubilant-agreement0$25.00$25.0010/21/2010 2:48:10 PM
FeedTheMachine$31.69$31.6910/21/2010 2:51:34 PM
puifais$25.00$25.0010/21/2010 2:55:10 PM
fundenstein$25.00$25.0010/21/2010 2:56:03 PM
equitable-yield4$25.00$25.0010/21/2010 2:56:11 PM
rupee-artisan$25.00$25.0010/21/2010 3:02:04 PM
seisen$100.00$100.0010/21/2010 3:05:19 PM
gentle-social0$25.00$25.0010/21/2010 3:06:40 PM
orange-preeminant-bill$50.00$50.0010/21/2010 3:08:13 PM
economy-producer$25.00$25.0010/21/2010 3:05:52 PM
asiaratt$50.00$50.0010/21/2010 3:27:12 PM
MissionMicroFinance$25.00$25.0010/21/2010 3:21:34 PM
GSV67$27.55$27.5510/21/2010 4:45:10 PM
psycardis$30.00$30.0010/21/2010 5:56:11 PM
the-upbeat-p2p$27.55$27.5510/21/2010 5:36:08 PM
famous-bill$25.00$25.0010/21/2010 6:01:48 PM
credit-wheel7$26.04$26.0410/21/2010 5:49:22 PM
social-conductor4$25.00$25.0010/21/2010 6:07:15 PM
totoro$25.00$25.0010/21/2010 6:36:53 PM
agiovasil$25.00$25.0010/21/2010 6:46:04 PM
Trevor_C$25.00$25.0010/21/2010 6:40:09 PM
imlosttoo$25.00$25.0010/21/2010 6:40:47 PM
nicklds$25.00$25.0010/21/2010 6:46:10 PM
Rob717171$25.00$25.0010/21/2010 7:03:21 PM
thrifty-capital$25.00$25.0010/21/2010 8:16:03 PM
goodhearted-basis4$25.00$25.0010/21/2010 11:19:38 PM
alluring-yield5$25.00$25.0010/22/2010 6:54:11 AM
proper-revenue7$35.00$35.0010/22/2010 8:34:59 AM
Lubava$25.00$25.0010/22/2010 10:15:09 AM
fund-secret-agent$25.00$25.0010/22/2010 11:22:40 AM
p2p-mover0$36.67$36.6710/22/2010 12:55:13 PM
valiant-liberty4$25.00$25.0010/22/2010 1:29:52 PM
sfmf$25.00$25.0010/15/2010 3:27:59 PM
balance-handshake7$25.00$25.0010/15/2010 5:31:03 PM
NoCal$30.00$30.0010/15/2010 3:49:43 PM
supersarah61$25.00$25.0010/17/2010 5:28:05 PM
loan-kung-fu$25.00$25.0010/18/2010 3:24:57 AM
Artist_Blue$25.00$25.0010/18/2010 6:09:12 AM
money-bauble$100.00$100.0010/19/2010 11:15:18 AM
jigsaw$50.00$50.0010/19/2010 11:15:49 AM
Wellman$50.00$50.0010/19/2010 11:24:28 AM
lending-theory$25.00$25.0010/19/2010 4:15:10 PM
helping-out$50.00$50.0010/19/2010 5:07:45 PM
anton$166.97$166.9710/20/2010 7:13:20 AM
natural-greenback6$25.00$25.0010/20/2010 9:51:48 AM
djindepth$50.00$50.0010/20/2010 2:22:38 PM
the-money-position$50.00$50.0010/20/2010 3:05:43 PM
thorough-exchange4$50.00$50.0010/20/2010 3:44:08 PM
orange-influential-credit$54.00$54.0010/20/2010 4:21:28 PM
a-thoughtful-principal$60.00$60.0010/20/2010 4:32:31 PM
HelpfulLender1$25.00$25.0010/20/2010 4:34:08 PM
innocent-income4$25.00$25.0010/20/2010 5:16:13 PM
neutrino6$25.00$25.0010/21/2010 12:06:42 AM
pursuit699$50.00$50.0010/21/2010 5:48:37 AM
wealth-pal3$25.00$25.0010/21/2010 10:22:51 AM
CC911$25.00$25.0010/21/2010 2:43:04 PM
peso-miser$25.00$25.0010/21/2010 2:46:23 PM
rescue$27.55$27.5510/21/2010 2:47:45 PM
numitor$50.00$50.0010/21/2010 2:48:13 PM
misterhobbs$25.00$25.0010/21/2010 2:49:41 PM
Shepherd7$50.00$50.0010/21/2010 2:53:02 PM
burrito6$25.00$25.0010/21/2010 2:53:05 PM
zwd12$100.00$100.0010/21/2010 2:56:19 PM
Cash_Angel$25.00$25.0010/21/2010 2:58:55 PM
treasure-bliss$50.00$50.0010/21/2010 2:58:18 PM
Sagenius$25.00$25.0010/21/2010 3:01:08 PM
money-yeller$25.00$25.0010/21/2010 3:02:08 PM
b-rent$25.00$25.0010/21/2010 3:07:41 PM
Wizard2$50.00$50.0010/21/2010 3:05:01 PM
Dhuri$50.00$50.0010/21/2010 3:58:19 PM
jubilant-auction5$25.00$25.0010/21/2010 3:42:16 PM
kegs$77.55$77.5510/21/2010 4:28:10 PM
cunning-bill$25.00$25.0010/21/2010 3:28:27 PM
IIP77$25.00$25.0010/21/2010 3:32:59 PM
S-Master$49.29$49.2910/21/2010 3:51:02 PM
Sokarnox$25.00$25.0010/21/2010 6:36:15 PM
Sibelius2$25.00$25.0010/21/2010 6:41:08 PM
worldly-penny8$25.00$25.0010/21/2010 6:41:40 PM
gold-channel2$50.00$50.0010/21/2010 6:42:21 PM
imoutdoorsy$25.00$11.9910/21/2010 7:11:36 PM
bold-careful-finance$25.00$25.0010/21/2010 6:46:17 PM
HammerSmith$25.00$25.0010/21/2010 6:54:45 PM
muirheaj$25.00$25.0010/22/2010 7:54:52 AM
Leshan$25.00$25.0010/22/2010 8:31:00 AM
BuckeyeBanker$50.00$50.0010/22/2010 8:56:16 AM
Pu239$60.00$60.0010/22/2010 8:16:44 AM
bold-direct-asset$50.00$50.0010/22/2010 10:19:34 AM
power-grid134$25.00$25.0010/22/2010 10:20:08 AM
unger$50.00$50.0010/22/2010 12:55:10 PM
SouthernRemarketing$25.00$25.0010/22/2010 1:08:38 PM
investment-visionary$25.00$25.0010/22/2010 1:23:13 PM
Lubava$25.00$25.0010/22/2010 1:41:04 PM
ultimate-peace$50.00$50.0010/22/2010 2:01:22 PM
EretzCapital$25.00$25.0010/22/2010 3:04:36 PM
Engineer44$25.00$25.0010/22/2010 3:16:23 PM
malcolmreynolds$25.00$25.0010/22/2010 3:08:56 PM
129 bids
 
Borrower Payment Dependent Notes Series 479840
This series of Notes was issued and sold upon the funding of the borrower loan #45032, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 22.65% Starting borrower rate/APR: 23.65% / 27.12% Starting monthly payment: $585.74
Final lender yield: 22.65% Final borrower rate/APR: 23.65% / 27.12% Final monthly payment: $585.74
 
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): 6 First credit line: Aug-1989 Debt/Income ratio: 15%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 17 / 15Length of status:1y 10m
Amount delinquent: $12,911 Total credit lines: 27 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,742Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: dollar-jet2 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Thank you for support!!!
Purpose of loan:
This loan will be used to???consolidate?my credit card debt.

My financial situation:
I am a good candidate for this loan because?? I need some one to help me out because the economy and the rules set in place by the credit card companies and the government didn't help the consumer. I had a set back in my credit score when I did the wrong thing and let a family member get a joint credit card in which he did not pay and my credit is suffering for it.? I need this loan to help pay down the debt he created.

Monthly net income: $ 10000.00

Monthly expenses: $
??Housing: $ 3500.00
??Insurance: $? 130.00
??Car expenses: $ No?Car payment
??Utilities: $ 300
??Phone, cable, internet: $?200??Food, entertainment: $?350
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rescue$100.00$100.0010/18/2010 2:59:41 PM
authentic-liberty7$25.00$25.0010/18/2010 3:07:18 PM
objective-investor$100.00$100.0010/18/2010 3:09:16 PM
radforj22$25.00$25.0010/18/2010 3:00:47 PM
tnjohnso$25.00$25.0010/18/2010 3:01:41 PM
payout-achievement$100.00$100.0010/18/2010 3:11:03 PM
Weaverville$50.00$50.0010/18/2010 3:00:57 PM
Premierelender$25.00$25.0010/18/2010 3:01:48 PM
bountiful-durability$100.00$100.0010/18/2010 3:07:48 PM
enthralling-deal180$50.00$50.0010/18/2010 3:16:10 PM
mike_banker$50.00$50.0010/18/2010 3:08:24 PM
cybernosha$25.00$25.0010/18/2010 3:10:34 PM
alaco$25.00$25.0010/18/2010 3:19:49 PM
platytanz$50.00$50.0010/18/2010 3:19:57 PM
DRA-Properties$25.00$25.0010/18/2010 3:08:01 PM
crenen139$25.00$25.0010/18/2010 3:11:28 PM
JohnGalt79$100.00$100.0010/18/2010 3:09:39 PM
jeg3k$50.00$50.0010/18/2010 3:11:15 PM
Clambake$50.00$50.0010/18/2010 3:24:47 PM
orangetrust$100.00$100.0010/18/2010 3:25:01 PM
mla$25.00$25.0010/18/2010 3:25:10 PM
bid-czar8$50.00$50.0010/18/2010 3:13:22 PM
kmr2$200.00$200.0010/18/2010 3:16:51 PM
handshake5$100.00$100.0010/18/2010 3:13:56 PM
loan-mammal$25.00$25.0010/18/2010 3:18:45 PM
studious-bonus7$100.00$100.0010/18/2010 3:19:41 PM
larrybird$150.00$150.0010/18/2010 3:15:51 PM
maldok1$25.00$25.0010/18/2010 3:16:25 PM
SelectTrustLending$25.00$25.0010/18/2010 3:19:32 PM
tntmojave$25.00$25.0010/18/2010 3:20:05 PM
helping-out$100.00$100.0010/18/2010 3:23:49 PM
lean-integrity9$100.00$100.0010/18/2010 3:20:50 PM
b-rent$25.00$25.0010/18/2010 3:38:19 PM
point-shooter$50.00$50.0010/18/2010 3:25:44 PM
mtquan$25.00$25.0010/18/2010 3:41:42 PM
reflective-rupee$100.00$100.0010/18/2010 4:29:37 PM
ivadood$100.00$100.0010/18/2010 4:45:10 PM
HedgeFund$50.00$50.0010/18/2010 4:20:43 PM
power-secret-agent$25.00$25.0010/18/2010 5:27:12 PM
C_Mark$100.00$100.0010/18/2010 5:43:33 PM
don8ter$25.00$25.0010/19/2010 6:43:17 AM
Ripsaw4U$50.00$50.0010/19/2010 11:02:53 AM
forthright-dedication$50.00$50.0010/19/2010 11:03:08 AM
racing777$50.00$50.0010/19/2010 11:43:42 AM
atope$50.00$50.0010/19/2010 11:44:00 AM
Lonely_Hunter$25.00$25.0010/19/2010 7:04:00 PM
nytrnbow$25.00$25.0010/19/2010 7:03:30 PM
ferocious-camaraderi1$100.00$100.0010/19/2010 6:42:48 PM
designs626$50.00$50.0010/20/2010 7:12:08 AM
Eagledrop$25.00$25.0010/20/2010 8:46:34 AM
Quiddity$50.00$50.0010/20/2010 9:50:08 AM
EvalCrux$50.00$50.0010/20/2010 11:12:20 AM
orderly-leverage$50.00$50.0010/20/2010 11:53:28 AM
wdworld$50.00$50.0010/20/2010 11:26:33 AM
McRowdy$25.00$25.0010/20/2010 12:03:58 PM
SolarMoonshine$25.00$25.0010/20/2010 5:29:59 PM
kenji4861$25.00$25.0010/20/2010 9:41:24 PM
Mighty_Hunter$50.00$50.0010/20/2010 11:33:46 PM
irrelevant$25.00$25.0010/21/2010 8:46:39 AM
vigorous-velocity$100.00$100.0010/21/2010 9:45:58 AM
LongTail$25.00$25.0010/21/2010 10:39:22 AM
Mark0135$50.00$50.0010/21/2010 10:39:36 AM
MyKidsDad$25.00$25.0010/21/2010 10:49:29 AM
auction-formula$51.00$51.0010/21/2010 11:46:06 AM
greenback-guard$25.00$25.0010/21/2010 1:29:37 PM
cropdust3r$50.00$50.0010/21/2010 1:34:07 PM
the-upbeat-p2p$32.53$32.5310/21/2010 2:42:26 PM
LittlePiggyBank$50.00$50.0010/21/2010 2:49:47 PM
focused-auction$25.00$25.0010/21/2010 3:06:20 PM
greenback-guard$25.00$25.0010/21/2010 3:06:33 PM
tech310$50.00$50.0010/21/2010 3:07:04 PM
Hondo$25.00$25.0010/21/2010 3:25:55 PM
rupee-prairie$25.00$25.0010/21/2010 3:27:23 PM
citytreker$40.00$40.0010/21/2010 6:44:25 PM
well-mannered-income3$30.00$30.0010/21/2010 8:00:12 PM
dinero-speaker$25.00$25.0010/21/2010 6:48:16 PM
sungbaek$25.00$25.0010/21/2010 11:33:13 PM
neutrino6$25.00$25.0010/21/2010 8:46:07 PM
joshua18$25.00$25.0010/22/2010 2:31:44 AM
anders94$25.00$25.0010/22/2010 2:32:37 AM
scottr$25.00$25.0010/22/2010 2:57:59 AM
ElChico124$25.00$25.0010/21/2010 11:25:57 PM
visionary-currency$27.88$27.8810/22/2010 3:13:11 AM
junctionking$25.00$25.0010/22/2010 2:16:42 AM
paladin847$50.00$50.0010/22/2010 4:50:56 AM
carlover$25.00$25.0010/22/2010 2:32:17 AM
Ivan2007$26.50$26.5010/22/2010 2:32:50 AM
nalaari$25.00$25.0010/22/2010 3:10:53 AM
Go_Ducks$25.00$25.0010/22/2010 3:56:16 AM
SimpleChoice$25.00$25.0010/22/2010 6:52:21 AM
srgriff$25.00$25.0010/22/2010 8:58:33 AM
Queueball1$25.00$25.0010/22/2010 10:07:22 AM
keeks$25.00$25.0010/22/2010 10:07:40 AM
new-sharp-leverage$50.00$50.0010/22/2010 10:08:03 AM
affluent-anteater$25.00$25.0010/22/2010 10:08:17 AM
Lender0424$50.00$50.0010/22/2010 10:08:22 AM
fulfilling-investment4$25.00$25.0010/22/2010 9:26:15 AM
sarisai$50.00$50.0010/22/2010 10:08:29 AM
Zoramite$25.00$25.0010/22/2010 9:26:24 AM
jaycro$50.00$26.1710/22/2010 10:08:32 AM
sunrise16$30.00$30.0010/22/2010 10:11:11 AM
duty-starfish8$50.00$50.0010/22/2010 10:04:44 AM
fund-tom-tom6$50.00$50.0010/22/2010 10:06:38 AM
orange-velocity-buddy$25.00$25.0010/22/2010 10:07:29 AM
platinum-optimization1$25.00$25.0010/22/2010 10:07:24 AM
spiritual-social3$25.00$25.0010/22/2010 10:07:38 AM
Raye147$25.00$25.0010/22/2010 10:08:06 AM
rogue_monster$50.00$50.0010/22/2010 10:07:53 AM
Beachbum27$25.00$25.0010/22/2010 10:08:22 AM
KR$25.00$25.0010/22/2010 10:08:16 AM
silver-boots$25.00$25.0010/22/2010 10:08:26 AM
fund-jedi3$50.00$50.0010/22/2010 10:14:30 AM
eyesdesire$50.00$50.0010/22/2010 10:25:25 AM
ericgassercom$44.75$44.7510/22/2010 10:43:07 AM
valiant-liberty4$25.00$25.0010/22/2010 11:11:31 AM
nickel-hickory$25.00$25.0010/22/2010 11:10:18 AM
geemel$25.00$25.0010/22/2010 11:27:39 AM
boogles72$50.00$50.0010/22/2010 12:18:52 PM
heroic-payout9$25.00$25.0010/22/2010 11:32:17 AM
imoutdoorsy$25.00$25.0010/22/2010 12:21:23 PM
papyrus111$25.00$25.0010/22/2010 12:28:09 PM
StarE$25.00$25.0010/22/2010 12:28:20 PM
gardenofeden$25.55$25.5510/22/2010 12:21:17 PM
loot-heart$50.00$50.0010/22/2010 12:40:58 PM
smurf163$25.00$25.0010/22/2010 12:22:46 PM
Wild84Cats$25.00$25.0010/22/2010 12:47:44 PM
currency-trophy$31.88$31.8810/22/2010 12:24:51 PM
mmckune$25.00$25.0010/22/2010 12:26:33 PM
rapid-credit428$25.00$25.0010/22/2010 1:19:29 PM
matt84003$25.00$25.0010/22/2010 2:11:59 PM
wise-silver-wonder$25.00$25.0010/22/2010 4:23:13 PM
FadSaolAgat$50.00$50.0010/22/2010 4:28:12 PM
kashikoe$25.00$25.0010/22/2010 9:32:54 PM
Stillinutah$25.00$25.0010/22/2010 11:33:29 PM
ClearLake$25.00$25.0010/23/2010 1:40:26 AM
dparkhom$25.00$25.0010/23/2010 3:37:59 AM
grystndoc$25.00$25.0010/23/2010 5:46:39 AM
dartmouth99$25.00$25.0010/23/2010 9:47:09 AM
harmonious-moola7$50.00$50.0010/23/2010 10:03:27 AM
Bobafet$25.00$25.0010/23/2010 10:29:05 AM
aggielender$25.00$25.0010/23/2010 9:18:32 AM
Bob450$25.00$25.0010/23/2010 9:25:01 AM
thrifty-capital$25.00$25.0010/23/2010 10:31:36 AM
bold-shrewd-duty$41.59$41.5910/23/2010 10:01:24 AM
Dowanhill$50.00$50.0010/23/2010 10:32:38 AM
Sunny_D$50.00$50.0010/23/2010 11:23:42 AM
diversification-maple1$25.00$25.0010/23/2010 11:24:40 AM
deal-vibrato$50.00$50.0010/23/2010 12:14:32 PM
aztocas$25.00$25.0010/23/2010 12:00:18 PM
PatriotKnight$25.00$25.0010/23/2010 5:48:36 PM
accelerator1$25.00$25.0010/23/2010 2:45:33 PM
jigs0910$25.00$25.0010/23/2010 7:18:22 PM
Easystreet$25.00$25.0010/23/2010 5:59:05 PM
stollcm$25.00$25.0010/23/2010 10:04:59 PM
juxtapose$33.00$33.0010/24/2010 8:08:15 AM
anti-wall-st$100.00$100.0010/24/2010 9:06:13 AM
the-debt-fluffy-bunny$25.00$25.0010/24/2010 9:49:57 AM
Opportunity4you$25.00$25.0010/24/2010 10:43:58 AM
bdevil10$25.00$25.0010/24/2010 4:01:07 PM
Techne_Funds_LLC$25.00$25.0010/24/2010 5:11:42 PM
starikrai$50.00$50.0010/24/2010 5:22:28 PM
auction-seeker$25.00$25.0010/24/2010 7:18:50 PM
auction-seeker$25.00$25.0010/24/2010 7:19:34 PM
LesPaul1$25.00$25.0010/24/2010 7:35:26 PM
TrustPlus$50.00$50.0010/24/2010 3:20:53 PM
chlebie$50.00$50.0010/24/2010 9:03:40 PM
friendly-gold$50.00$50.0010/24/2010 9:22:08 PM
bold-yield-rumbler$25.00$25.0010/24/2010 7:51:23 PM
kvandivo$25.00$25.0010/25/2010 7:14:49 AM
TCR3$25.00$25.0010/25/2010 12:09:38 AM
chinolatino$25.00$25.0010/25/2010 6:23:32 AM
Emberfox$25.00$25.0010/25/2010 7:14:25 AM
moola-monger9$50.00$50.0010/25/2010 8:59:25 AM
cash-prodigy1$50.00$50.0010/25/2010 8:14:45 AM
the-silver-blaster$50.00$50.0010/25/2010 8:24:55 AM
a-finance-nirvana$25.00$25.0010/25/2010 9:14:00 AM
point-kitten6$50.00$50.0010/25/2010 9:57:38 AM
kaykarun$25.00$25.0010/25/2010 9:31:40 AM
discrete-asset$25.00$25.0010/25/2010 11:48:37 AM
gracej$25.00$25.0010/25/2010 11:49:06 AM
nickel-position$25.00$25.0010/25/2010 11:26:38 AM
ramsba$50.00$50.0010/25/2010 12:00:53 PM
active-dinero$34.45$34.4510/25/2010 2:10:11 PM
ciscoparrot$25.00$25.0010/25/2010 12:06:43 PM
PK_USMC$25.00$25.0010/25/2010 2:17:10 PM
OnTracInvest$25.00$25.0010/25/2010 1:54:14 PM
johnk317$40.00$40.0010/25/2010 2:31:21 PM
350DGRZ$25.00$25.0010/18/2010 3:01:57 PM
alpinaut$25.00$25.0010/18/2010 2:59:50 PM
bowdish1$50.00$50.0010/18/2010 3:09:55 PM
lendingfrog$25.00$25.0010/18/2010 3:01:38 PM
Gabriel02$25.00$25.0010/18/2010 3:02:18 PM
rzlender$25.00$25.0010/18/2010 3:02:32 PM
top-courteous-peso$50.00$50.0010/18/2010 3:00:41 PM
worthy-bid8$50.00$50.0010/18/2010 3:03:16 PM
TakeCare$80.00$80.0010/18/2010 3:14:18 PM
generous-deal6$50.00$50.0010/18/2010 3:03:19 PM
GElender$50.00$50.0010/18/2010 3:15:06 PM
Sevron$100.00$100.0010/18/2010 3:15:29 PM
jdwillcox$50.00$50.0010/18/2010 3:08:39 PM
graceful-investment$100.00$100.0010/18/2010 3:18:28 PM
ichibon$150.00$150.0010/18/2010 3:10:07 PM
MadHun$75.00$75.0010/18/2010 3:14:05 PM
williemc44$50.00$50.0010/18/2010 3:14:42 PM
6moonbeams$200.00$200.0010/18/2010 3:18:55 PM
bambampk$25.00$25.0010/18/2010 3:19:04 PM
agiovasil$25.00$25.0010/18/2010 3:37:44 PM
schpere$100.00$100.0010/18/2010 3:21:26 PM
techvet$50.00$50.0010/18/2010 3:21:45 PM
efficient-treasure0$25.00$25.0010/18/2010 3:20:24 PM
jazzlender$50.00$50.0010/18/2010 3:24:05 PM
income-titan8$30.00$30.0010/18/2010 3:25:16 PM
supersarah61$25.00$25.0010/18/2010 3:22:02 PM
wings2fly$25.00$25.0010/18/2010 3:22:49 PM
nybanker85$50.00$50.0010/18/2010 3:50:40 PM
escharfer$25.00$25.0010/18/2010 5:17:01 PM
excellent-nickel$33.28$33.2810/18/2010 5:43:10 PM
hookUup$50.00$50.0010/18/2010 6:21:46 PM
hope-hickory$25.00$25.0010/18/2010 6:08:27 PM
reward-tsunami7$50.00$50.0010/18/2010 6:34:37 PM
successful-agreement7$100.00$100.0010/18/2010 6:34:13 PM
truth-magma$25.00$25.0010/18/2010 8:08:40 PM
teller$50.00$50.0010/18/2010 8:08:47 PM
psa1995$50.00$50.0010/18/2010 8:30:39 PM
klinebarger$25.00$25.0010/18/2010 8:55:07 PM
peb44$25.00$25.0010/19/2010 7:06:50 AM
54CHEVY$50.00$50.0010/19/2010 6:39:37 AM
the-profit-oracle$25.00$25.0010/19/2010 10:03:49 AM
tearingstar$25.00$25.0010/19/2010 10:57:38 AM
Artist_Blue$25.00$25.0010/19/2010 11:05:24 AM
jigsaw$100.00$100.0010/19/2010 11:09:40 AM
shmb6508$100.00$100.0010/19/2010 2:09:16 PM
life-is-great$50.00$50.0010/19/2010 4:24:15 PM
ti22ring$30.00$30.0010/19/2010 6:38:51 PM
doobieBear$25.00$25.0010/19/2010 6:59:33 PM
papaloha$200.00$200.0010/20/2010 12:39:39 AM
ogmanny$50.00$50.0010/20/2010 1:46:49 AM
silver-armada$50.00$50.0010/20/2010 5:04:10 AM
IIP77$25.00$25.0010/20/2010 6:57:40 AM
thoughtful-community7$25.00$25.0010/20/2010 7:41:24 AM
suave-dime6$25.00$25.0010/20/2010 7:51:45 AM
chemistry220$50.00$50.0010/20/2010 9:35:05 AM
deal-enrichment$50.00$50.0010/20/2010 9:49:05 AM
Tradesmanlender$25.00$25.0010/20/2010 10:10:22 AM
MoxiePop$50.00$50.0010/20/2010 11:09:09 AM
upbeat-investment9$50.00$50.0010/20/2010 11:13:21 AM
herbyman$50.00$50.0010/20/2010 11:26:37 AM
equitable-yield4$25.00$25.0010/20/2010 11:25:47 AM
the-money-position$50.00$50.0010/20/2010 12:33:21 PM
bold-durability-drum$50.00$50.0010/20/2010 4:14:03 PM
BuffetRocks$50.00$50.0010/20/2010 3:46:38 PM
innocent-income4$25.00$25.0010/20/2010 5:15:38 PM
excellent-community$50.00$50.0010/20/2010 6:36:54 PM
nimble-revenue$28.53$28.5310/21/2010 2:19:05 AM
nestegg4e$25.00$25.0010/21/2010 7:18:20 AM
natural-affluence4$25.00$25.0010/21/2010 9:35:13 AM
preciousrazor$50.00$50.0010/21/2010 9:49:19 AM
comet55$25.00$25.0010/21/2010 9:47:51 AM
SBT$50.00$50.0010/21/2010 12:03:46 PM
brother_tam$34.66$34.6610/21/2010 12:11:32 PM
dc_lobster$25.00$25.0010/21/2010 12:31:23 PM
cogent$27.12$27.1210/21/2010 1:12:01 PM
omerta6102$50.00$50.0010/21/2010 1:18:31 PM
marketplace-cello5$50.00$50.0010/21/2010 1:32:27 PM
puifais$50.00$50.0010/21/2010 2:18:48 PM
WorldlyWorker$25.00$25.0010/21/2010 2:45:23 PM
Magog12$50.00$50.0010/21/2010 2:48:54 PM
dinero-launcher$25.00$25.0010/21/2010 2:50:50 PM
108lender$100.00$100.0010/21/2010 2:50:56 PM
soheagle$39.98$39.9810/21/2010 3:03:58 PM
tsui517$25.00$25.0010/21/2010 3:06:18 PM
honorable-yield$35.00$35.0010/21/2010 3:05:33 PM
OSERENKUKU$25.00$25.0010/21/2010 7:36:03 PM
itnAAnti$25.00$25.0010/21/2010 6:42:48 PM
rmachi$25.00$25.0010/22/2010 2:16:48 AM
Picopie$50.00$50.0010/22/2010 2:32:28 AM
dmfog$25.00$25.0010/22/2010 2:55:09 AM
Dweeberkitty1$25.00$25.0010/22/2010 2:58:02 AM
skuba$31.82$31.8210/21/2010 10:08:01 PM
yield-seeker$25.00$25.0010/22/2010 3:13:37 AM
money-bauble$50.00$50.0010/22/2010 3:40:51 AM
bnlforever$25.00$25.0010/22/2010 8:21:39 AM
benjamins-den$25.00$25.0010/22/2010 10:07:25 AM
prudent-gain7$25.00$25.0010/22/2010 10:07:30 AM
first-silver-bridge$50.00$50.0010/22/2010 10:07:41 AM
boogienation$50.00$50.0010/22/2010 10:07:57 AM
super100$50.00$50.0010/22/2010 10:08:07 AM
buddy486$25.00$25.0010/22/2010 10:08:21 AM
mmmm1982$25.00$25.0010/22/2010 9:26:38 AM
Rivervale_Westwood$25.00$25.0010/22/2010 9:39:34 AM
nicklds$39.59$39.5910/22/2010 10:12:03 AM
greenback-museum$25.00$25.0010/22/2010 10:06:58 AM
agalt$71.06$71.0610/22/2010 10:07:28 AM
micloans$25.00$25.0010/22/2010 10:07:35 AM
Aljasa2008$50.00$50.0010/22/2010 10:07:33 AM
kanpur63$25.00$25.0010/22/2010 10:07:43 AM
enriching-capital$50.00$50.0010/22/2010 10:08:12 AM
ChicagoBoyz$25.00$25.0010/22/2010 10:08:08 AM
fly99$50.00$50.0010/22/2010 10:08:26 AM
upbeat-fund$25.00$25.0010/22/2010 10:08:19 AM
wwwUniversal$25.00$25.0010/22/2010 10:18:03 AM
ready-vigilance3$50.00$50.0010/22/2010 10:10:49 AM
mtp$50.00$50.0010/22/2010 10:24:19 AM
j2ee$25.00$25.0010/22/2010 10:14:58 AM
greenback-bull6$50.00$50.0010/22/2010 10:20:29 AM
Dairyboy$28.72$28.7210/22/2010 10:26:18 AM
pleasant-basis$25.00$25.0010/22/2010 10:42:38 AM
reueljw$25.00$25.0010/22/2010 10:28:42 AM
justice-dna$25.00$25.0010/22/2010 10:43:14 AM
Interloper$25.00$25.0010/22/2010 11:25:26 AM
blukestrel$25.00$25.0010/22/2010 12:19:07 PM
BigLinCT$25.00$25.0010/22/2010 12:19:42 PM
money-yeller$50.00$50.0010/22/2010 12:20:06 PM
nycfinance$25.00$25.0010/22/2010 12:27:00 PM
littlemonkey$25.00$25.0010/22/2010 12:39:53 PM
UncleSteve3000$26.00$26.0010/22/2010 12:20:23 PM
chairsitter$25.00$25.0010/22/2010 12:23:04 PM
jwood3030$25.00$25.0010/22/2010 12:23:31 PM
Banker7371$25.00$25.0010/22/2010 12:53:42 PM
imlosttoo$25.00$25.0010/22/2010 1:37:11 PM
impartial-deal$25.00$25.0010/22/2010 2:11:28 PM
kubien$45.11$45.1110/22/2010 3:59:19 PM
CAGE-Investments$25.00$25.0010/22/2010 4:07:32 PM
Flux$50.00$50.0010/22/2010 4:42:57 PM
Residuum$50.00$50.0010/22/2010 10:24:00 PM
raiderj$25.00$25.0010/22/2010 10:38:33 PM
Phantom99$25.00$25.0010/23/2010 3:15:43 AM
Cheburashka$25.00$25.0010/23/2010 4:30:56 AM
rmpedi33$25.00$25.0010/23/2010 7:14:05 AM
ideal-platinum1$50.00$50.0010/23/2010 8:43:14 AM
leverage-monger$25.00$25.0010/23/2010 8:07:27 AM
compassionate-fairness6$25.00$25.0010/23/2010 9:07:24 AM
hrubinst$50.00$50.0010/23/2010 12:21:46 PM
veneziani$25.00$25.0010/23/2010 10:28:37 AM
hard-working-loot$50.00$50.0010/23/2010 1:26:23 PM
KileNSmyth4$25.00$25.0010/23/2010 11:15:46 AM
Leshan$25.00$25.0010/23/2010 11:39:09 AM
Sugarmama21$50.00$50.0010/23/2010 1:24:58 PM
dollar-spy$25.00$25.0010/23/2010 4:31:12 PM
integrity-doctor$100.00$100.0010/23/2010 2:06:24 PM
mpatrick$35.00$35.0010/23/2010 3:12:12 PM
tsg2007$25.00$25.0010/23/2010 3:41:09 PM
intuitive-bill$50.00$50.0010/23/2010 11:59:05 PM
acfreema$75.00$75.0010/23/2010 10:30:19 PM
Evolver$25.00$25.0010/23/2010 9:06:34 PM
mistertao$25.00$25.0010/24/2010 10:31:02 AM
payout-carnival$31.62$31.6210/24/2010 10:45:58 AM
Slend49$25.00$25.0010/24/2010 1:01:23 PM
minnesotafinancial$25.00$25.0010/24/2010 2:03:59 PM
thebadpelican$25.00$25.0010/24/2010 11:46:24 AM
tenacious-compassion9$25.00$25.0010/24/2010 11:17:56 AM
Brain_m$35.32$35.3210/24/2010 11:39:18 AM
steamboatgal$43.53$43.5310/24/2010 1:25:28 PM
base858$26.26$26.2610/24/2010 2:15:28 PM
superchicken$25.00$25.0010/24/2010 8:34:21 PM
enthralling-investment$50.00$50.0010/25/2010 6:23:16 AM
GrayStudio$25.00$25.0010/25/2010 5:44:47 AM
important-ore$100.00$100.0010/25/2010 3:23:34 AM
first-dinero-igloo$26.04$26.0410/25/2010 8:49:01 AM
Wilcat77$50.00$50.0010/25/2010 9:38:19 AM
lovely-benefit7$25.00$25.0010/25/2010 9:43:48 AM
zztopdog$25.00$25.0010/25/2010 10:09:00 AM
testguy$31.06$31.0610/25/2010 10:46:21 AM
GCInvestments$25.00$25.0010/25/2010 10:16:04 AM
brightest-dignified-penny$25.00$25.0010/25/2010 10:36:15 AM
DSK_Financials$50.00$50.0010/25/2010 12:43:14 PM
wise-balanced-moola$25.00$25.0010/25/2010 2:50:48 PM
A007$50.00$50.0010/25/2010 2:29:33 PM
loan-wasp$50.00$50.0010/25/2010 2:44:29 PM
369 bids
 
Borrower Payment Dependent Notes Series 479950
This series of Notes was issued and sold upon the funding of the borrower loan #45042, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $521.08
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $521.08
 
Auction yield range: 5.71% - 14.15% Estimated loss impact: 6.19%  
Lender servicing fee: 1.00% Estimated return: 7.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2002 Debt/Income ratio: 8%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,117Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: benjamins-britches 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.
Description
Renovating an English Basement Apt
Purpose of loan:
This loan will be used to renovate the English basement of my primary residence rowhouse to generate supplemental income.? The estimated rental income will be $1500-$1600/month after fully renovated.

My financial situation:
I am a good candidate for this loan because I have a steady, well-paying job and very low debt / income ratio.

Monthly net income: $ 4,700.? Gross salary is $6,250.? Also earn commissions, which have averaged $50,000 annually the past 2 years.

Monthly expenses:
??Housing: $ 2100
??Insurance: $ 95
??Car expenses: $ 200
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alpinaut$25.00$25.0010/18/2010 2:59:52 PM
Weaverville$50.00$50.0010/18/2010 3:00:58 PM
rescue$100.00$100.0010/18/2010 2:59:42 PM
objective-investor$100.00$100.0010/18/2010 3:09:17 PM
delicious-social132$50.00$50.0010/18/2010 3:10:43 PM
selector568$200.00$200.0010/18/2010 3:00:04 PM
bid-czar8$50.00$50.0010/18/2010 3:13:22 PM
worthy-bid8$50.00$50.0010/18/2010 3:03:17 PM
kmr2$200.00$200.0010/18/2010 3:16:52 PM
jdwillcox$50.00$50.0010/18/2010 3:08:42 PM
studious-bonus7$100.00$100.0010/18/2010 3:19:42 PM
authentic-liberty7$25.00$25.0010/18/2010 3:07:19 PM
efficient-treasure0$25.00$25.0010/18/2010 3:20:25 PM
DRA-Properties$25.00$25.0010/18/2010 3:08:02 PM
JohnGalt79$100.00$100.0010/18/2010 3:09:40 PM
cybernosha$25.00$25.0010/18/2010 3:10:34 PM
jeg3k$50.00$50.0010/18/2010 3:11:16 PM
handshake5$100.00$100.0010/18/2010 3:13:57 PM
MadHun$75.00$75.0010/18/2010 3:14:09 PM
williemc44$50.00$50.0010/18/2010 3:14:43 PM
larrybird$150.00$150.0010/18/2010 3:15:53 PM
CAGE-Investments$25.00$25.0010/18/2010 3:16:38 PM
SelectTrustLending$25.00$25.0010/18/2010 3:19:35 PM
tntmojave$25.00$25.0010/18/2010 3:20:05 PM
lean-integrity9$100.00$100.0010/18/2010 3:20:52 PM
Clambake$50.00$50.0010/18/2010 3:24:47 PM
orangetrust$100.00$100.0010/18/2010 3:25:01 PM
schpere$100.00$100.0010/18/2010 3:21:26 PM
mla$25.00$25.0010/18/2010 3:25:10 PM
income-titan8$30.00$30.0010/18/2010 3:25:16 PM
mtquan$25.00$25.0010/18/2010 3:41:42 PM
HedgeFund$50.00$50.0010/18/2010 4:20:44 PM
ivadood$75.00$75.0010/18/2010 4:45:11 PM
nybanker85$50.00$50.0010/18/2010 3:50:40 PM
Bisoninvestor$50.00$50.0010/18/2010 4:28:34 PM
reflective-rupee$100.00$100.0010/18/2010 4:55:12 PM
bessbird$100.00$100.0010/18/2010 6:32:22 PM
C_Mark$100.00$100.0010/18/2010 5:43:34 PM
psa1995$50.00$50.0010/18/2010 8:30:41 PM
truth-magma$25.00$25.0010/18/2010 8:08:41 PM
klinebarger$25.00$25.0010/18/2010 8:55:07 PM
penny-plato$50.00$50.0010/18/2010 10:28:19 PM
triumph329$27.58$27.5810/19/2010 6:49:00 AM
excellent-nickel$50.00$50.0010/19/2010 8:40:20 AM
Artist_Blue$25.00$25.0010/19/2010 11:05:23 AM
a-finance-nirvana$25.00$25.0010/19/2010 11:07:52 AM
tearingstar$25.00$25.0010/19/2010 11:03:10 AM
the-profit-oracle$25.00$25.0010/19/2010 11:18:41 AM
patriot384$140.00$140.0010/19/2010 4:02:27 PM
life-is-great$50.00$50.0010/19/2010 4:24:16 PM
tacopants$50.00$50.0010/19/2010 5:17:46 PM
shmb6508$114.98$114.9810/19/2010 6:41:10 PM
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ti22ring$30.00$30.0010/19/2010 7:09:40 PM
atope$50.00$50.0010/20/2010 12:46:20 AM
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McRowdy$25.00$25.0010/20/2010 5:21:56 PM
kenji4861$25.00$25.0010/20/2010 9:41:25 PM
dollardave$100.00$100.0010/20/2010 10:27:54 PM
conqueror359$75.00$75.0010/21/2010 7:25:19 AM
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vigorous-velocity$100.00$100.0010/21/2010 9:46:00 AM
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LongTail$25.00$25.0010/21/2010 10:39:23 AM
auction-formula$62.50$62.5010/21/2010 12:05:49 PM
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Hondo$25.00$25.0010/21/2010 3:26:00 PM
sungbaek$25.00$25.0010/21/2010 11:33:13 PM
well-mannered-income3$30.00$30.0010/21/2010 8:02:53 PM
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Sol_Invictus$25.00$25.0010/22/2010 5:30:38 AM
srgriff$25.00$25.0010/22/2010 8:58:34 AM
layzboy$50.00$50.0010/22/2010 9:00:23 AM
nolahelper$25.00$25.0010/22/2010 8:07:35 AM
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mmmm1982$25.00$25.0010/22/2010 9:26:40 AM
ready-vigilance3$50.00$50.0010/22/2010 10:10:50 AM
sunrise16$30.00$30.0010/22/2010 10:11:12 AM
wlm3012$25.00$25.0010/22/2010 10:26:43 AM
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sophiemmy$60.00$60.0010/22/2010 11:02:22 AM
money-bauble$100.00$100.0010/22/2010 11:25:51 AM
investment-comet$25.00$25.0010/22/2010 11:28:42 AM
ericgassercom$38.85$38.8510/22/2010 12:27:20 PM
Magog12$50.00$50.0010/22/2010 12:18:48 PM
LittlePiggyBank$50.00$50.0010/22/2010 12:19:01 PM
focused-auction$25.00$25.0010/22/2010 12:40:38 PM
geemel$25.00$25.0010/22/2010 12:27:39 PM
power-amusement$25.00$25.0010/22/2010 12:45:49 PM
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bjr01$25.00$25.0010/22/2010 9:15:12 PM
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grystndoc$25.00$25.0010/23/2010 5:46:41 AM
aggielender$25.00$25.0010/23/2010 9:18:32 AM
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deal-vibrato$50.00$50.0010/23/2010 12:14:33 PM
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jigs0910$25.00$25.0010/23/2010 7:18:23 PM
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contract-high-five$25.00$25.0010/24/2010 7:18:41 AM
_NaLNaBB$300.00$300.0010/24/2010 7:22:43 AM
1stAmericanCapital$25.00$25.0010/24/2010 5:32:27 AM
the-debt-fluffy-bunny$25.00$25.0010/24/2010 9:50:00 AM
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credit-panda1$25.00$25.0010/24/2010 1:14:18 PM
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market-pudding$25.00$25.0010/24/2010 8:30:52 PM
superchicken$25.00$25.0010/24/2010 8:34:23 PM
velocity-winner$25.00$25.0010/24/2010 11:12:33 PM
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zztopdog$25.00$25.0010/25/2010 9:35:03 AM
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wojo$25.00$25.0010/25/2010 2:32:18 PM
wwwUniversal$25.00$25.0010/25/2010 2:33:17 PM
PK_USMC$25.00$25.0010/25/2010 2:17:11 PM
bowdish1$50.00$50.0010/18/2010 3:09:56 PM
Gabriel02$25.00$25.0010/18/2010 3:02:19 PM
generous-deal6$50.00$50.0010/18/2010 3:03:20 PM
radforj22$25.00$25.0010/18/2010 3:00:47 PM
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GElender$50.00$50.0010/18/2010 3:15:07 PM
Sevron$100.00$100.0010/18/2010 3:15:31 PM
maldok1$25.00$25.0010/18/2010 3:16:26 PM
thenadamgoes$25.00$25.0010/18/2010 3:08:51 PM
payout-achievement$100.00$100.0010/18/2010 3:11:04 PM
bountiful-durability$100.00$100.0010/18/2010 3:07:48 PM
mike_banker$50.00$50.0010/18/2010 3:08:25 PM
ichibon$150.00$150.0010/18/2010 3:10:08 PM
wings2fly$25.00$25.0010/18/2010 3:22:50 PM
crenen139$25.00$25.0010/18/2010 3:11:29 PM
DDPrime$100.00$100.0010/18/2010 3:14:28 PM
enthralling-deal180$50.00$50.0010/18/2010 3:16:10 PM
point-shooter$50.00$50.0010/18/2010 3:25:45 PM
ray1051$25.00$25.0010/18/2010 3:17:14 PM
graceful-investment$43.38$43.3810/18/2010 3:18:30 PM
bambampk$25.00$25.0010/18/2010 3:19:05 PM
supersarah61$25.00$25.0010/18/2010 3:22:01 PM
jazzlender$50.00$50.0010/18/2010 3:24:06 PM
techvet$50.00$50.0010/18/2010 3:21:46 PM
helping-out$65.41$65.4110/18/2010 3:44:10 PM
tolerant-dinero2$25.00$25.0010/18/2010 3:24:25 PM
Bank_Of_XL$50.00$50.0010/18/2010 4:28:09 PM
kind-value-pouch$200.00$200.0010/18/2010 4:24:48 PM
berkeleylender$25.00$25.0010/18/2010 5:14:38 PM
blue-useful-auction$25.00$25.0010/18/2010 4:45:12 PM
successful-agreement7$100.00$100.0010/18/2010 6:34:14 PM
brightest-restless-coin$100.00$100.0010/18/2010 6:49:50 PM
itnAAnti$25.00$25.0010/18/2010 5:43:09 PM
hookUup$75.00$75.0010/18/2010 6:20:02 PM
reward-tsunami7$50.00$50.0010/18/2010 6:34:38 PM
AK49-JW$25.00$25.0010/18/2010 8:44:28 PM
teller$50.00$50.0010/18/2010 8:08:47 PM
quetal$25.00$25.0010/19/2010 4:46:55 AM
JustMee$25.00$25.0010/19/2010 7:09:53 AM
don8ter$25.00$25.0010/19/2010 6:43:18 AM
peb44$25.00$25.0010/19/2010 7:06:51 AM
nytrnbow$25.00$25.0010/19/2010 7:37:51 AM
jigsaw$71.89$71.8910/19/2010 8:27:14 AM
FinDoc$25.00$25.0010/19/2010 10:34:49 AM
escharfer$25.00$25.0010/19/2010 11:01:02 AM
forthright-dedication$50.00$50.0010/19/2010 11:03:08 AM
54CHEVY$50.00$50.0010/19/2010 11:08:30 AM
Interstate_Rate$100.00$100.0010/19/2010 11:14:47 AM
liberty-carnival$25.00$25.0010/19/2010 12:03:49 PM
Ripsaw4U$50.00$50.0010/19/2010 7:05:10 PM
papaloha$200.00$200.0010/20/2010 12:39:41 AM
ogmanny$50.00$50.0010/20/2010 1:46:53 AM
silver-armada$50.00$50.0010/20/2010 5:04:12 AM
IIP77$25.00$25.0010/20/2010 6:57:42 AM
suave-dime6$25.00$25.0010/20/2010 7:51:52 AM
chemistry220$42.78$42.7810/20/2010 11:14:25 AM
Tradesmanlender$25.00$25.0010/20/2010 11:15:34 AM
equitable-yield4$25.00$25.0010/20/2010 11:25:48 AM
the-money-position$50.00$50.0010/20/2010 12:33:23 PM
MoxiePop$50.00$50.0010/20/2010 12:11:49 PM
herbyman$50.00$50.0010/20/2010 2:04:20 PM
BuffetRocks$50.00$50.0010/20/2010 3:46:37 PM
excellent-community$50.00$50.0010/20/2010 6:36:55 PM
heat25$25.00$25.0010/20/2010 7:22:23 PM
agiovasil$25.00$25.0010/21/2010 9:34:46 AM
natural-affluence4$25.00$25.0010/21/2010 9:35:15 AM
upbeat-investment9$49.44$30.7110/21/2010 12:31:21 PM
omerta6102$50.00$50.0010/21/2010 1:18:32 PM
ONECENTATATIME$25.00$25.0010/21/2010 2:47:54 PM
108lender$100.00$100.0010/21/2010 2:50:57 PM
nestegg4e$25.00$25.0010/21/2010 2:54:12 PM
paladin847$50.00$50.0010/22/2010 4:50:57 AM
happy-loyalty$25.00$25.0010/22/2010 6:22:35 AM
eg192$100.00$100.0010/22/2010 8:35:52 AM
Income-Scout$239.35$239.3510/22/2010 8:57:52 AM
justice-dna$25.00$25.0010/22/2010 10:43:14 AM
reueljw$25.00$25.0010/22/2010 10:28:43 AM
unbelievable-value2$40.00$40.0010/22/2010 10:59:49 AM
pleasant-basis$25.00$25.0010/22/2010 10:42:40 AM
nickel-hickory$25.00$25.0010/22/2010 11:10:21 AM
interstellar$50.00$50.0010/22/2010 11:31:47 AM
heroic-payout9$25.00$25.0010/22/2010 11:32:17 AM
omahajay$25.00$25.0010/22/2010 11:30:07 AM
greenback-bull6$50.00$50.0010/22/2010 12:25:45 PM
StarE$25.00$25.0010/22/2010 12:28:23 PM
littlemonkey$25.00$25.0010/22/2010 12:39:55 PM
dinero-speaker$25.00$25.0010/22/2010 12:41:01 PM
Banker7371$25.00$25.0010/22/2010 12:53:43 PM
loanstarst8$25.00$25.0010/22/2010 1:37:54 PM
rapid-credit428$25.00$25.0010/22/2010 1:19:28 PM
valiant-liberty4$25.00$25.0010/22/2010 1:40:51 PM
economy-popcorn$25.00$25.0010/22/2010 3:03:18 PM
jms1983$25.00$25.0010/22/2010 3:49:18 PM
jrgdnn12$27.19$27.1910/22/2010 3:51:38 PM
FadSaolAgat$50.00$50.0010/22/2010 4:28:13 PM
nycfinance$25.00$25.0010/22/2010 4:25:18 PM
SomebodysMom$63.05$63.0510/22/2010 4:40:59 PM
Flux$50.00$50.0010/22/2010 4:42:58 PM
escandalo$61.19$61.1910/22/2010 7:04:23 PM
loss-of-control$50.00$50.0010/22/2010 7:08:09 PM
nicklds$25.00$25.0010/22/2010 7:05:55 PM
ryan6853$25.00$25.0010/22/2010 10:32:23 PM
raiderj$25.00$25.0010/22/2010 10:38:34 PM
Residuum$50.00$50.0010/22/2010 10:24:02 PM
Ven58$25.00$25.0010/23/2010 2:29:50 AM
leverage-monger$25.00$25.0010/23/2010 8:14:36 AM
cashasaurus0$300.00$300.0010/23/2010 8:28:08 AM
jfreaksho$25.00$25.0010/23/2010 8:34:09 AM
ideal-platinum1$50.00$50.0010/23/2010 8:43:15 AM
BuzzyBee336$30.00$30.0010/23/2010 9:06:40 AM
rockhound84$25.00$25.0010/23/2010 3:23:05 PM
chrisb1414$25.00$25.0010/23/2010 6:13:55 PM
bold-shrewd-duty$50.00$50.0010/23/2010 2:52:08 PM
tsg2007$25.00$25.0010/23/2010 3:41:10 PM
gold-disk$50.00$50.0010/23/2010 5:41:33 PM
dollar-spy$25.00$25.0010/23/2010 4:31:15 PM
Evolver$25.00$25.0010/23/2010 9:06:35 PM
intuitive-bill$50.00$50.0010/23/2010 11:59:07 PM
taylodo$31.51$31.5110/23/2010 11:10:51 PM
Chewbaca$25.00$25.0010/24/2010 6:32:33 AM
arkleseizure$25.00$25.0010/24/2010 7:18:22 AM
massuot$25.00$25.0010/24/2010 7:40:07 AM
lazyeye$25.00$25.0010/24/2010 4:57:14 AM
d_grbg$25.00$25.0010/24/2010 7:10:11 AM
sarisai$101.00$101.0010/24/2010 10:36:14 AM
j2ee$25.00$25.0010/24/2010 8:04:06 AM
tenacious-compassion9$25.00$25.0010/24/2010 11:17:53 AM
SOP_Bank$25.00$25.0010/24/2010 3:06:29 PM
Loan_shark718$35.00$35.0010/24/2010 5:47:57 PM
forthright-principal2$25.00$25.0010/24/2010 1:27:22 PM
MattProsper$55.00$55.0010/24/2010 5:43:56 PM
bold-yield-rumbler$25.00$25.0010/24/2010 7:51:26 PM
friendly-gold$25.00$25.0010/24/2010 9:22:11 PM
greenback-ally$50.00$50.0010/24/2010 9:46:36 PM
jackdempsey$50.00$50.0010/25/2010 3:06:29 AM
doomsday18$25.00$25.0010/25/2010 6:45:46 AM
sgt-schultz$25.00$25.0010/25/2010 6:50:43 AM
moola-monger9$50.00$50.0010/25/2010 9:00:28 AM
Phantom99$25.00$25.0010/25/2010 9:55:58 AM
encore739$25.00$25.0010/25/2010 9:14:09 AM
huskies01$39.00$39.0010/25/2010 10:05:46 AM
megich06$50.00$50.0010/25/2010 11:33:11 AM
andyb9$25.00$25.0010/25/2010 11:42:54 AM
new-social-economist$50.00$50.0010/25/2010 11:45:04 AM
oldman68$25.00$25.0010/25/2010 10:44:53 AM
GCInvestments$25.00$25.0010/25/2010 10:16:08 AM
mgking007$25.55$25.5510/25/2010 12:34:07 PM
discrete-asset$25.00$25.0010/25/2010 11:48:39 AM
cleveland2portland$50.00$50.0010/25/2010 11:59:00 AM
ciscoparrot$25.00$25.0010/25/2010 12:06:45 PM
lively-hope28$50.00$50.0010/25/2010 11:48:53 AM
p2ploan-sensation211$50.00$50.0010/25/2010 2:42:29 PM
wise-balanced-moola$25.00$25.0010/25/2010 2:43:27 PM
loan-wasp$50.00$50.0010/25/2010 2:44:30 PM
grampy48$25.00$25.0010/25/2010 1:39:16 PM
A007$50.00$50.0010/25/2010 2:29:35 PM
324 bids
 
Borrower Payment Dependent Notes Series 480194
This series of Notes was issued and sold upon the funding of the borrower loan #45026, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 6.85% Starting borrower rate/APR: 7.85% / 8.19% Starting monthly payment: $359.57
Final lender yield: 6.85% Final borrower rate/APR: 7.85% / 8.19% Final monthly payment: $359.57
 
Auction yield range: 2.71% - 6.85% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jun-1992 Debt/Income ratio: 14%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:16y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,217Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: smaster343 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 780-799 (Latest)
Principal borrowed: $17,000.00< 31 days late: 0 ( 0% )  
700-719 (Mar-2008)
 
Principal balance: $3,351.87 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Paying off LAST credit card
Purpose of loan:
This loan will be used to consolidate debt.? My payments are only paying interest month-to-month on my credit card and this will help me pay this down faster. I have spending in control and am still just dealing with things from the past.

My financial situation:
I am a good candidate for this loan because I have proven myself on Prosper to pay on time and have been responsible in improving my credit score over the last 2 years.? I have a very secure job and will not have an issue with payment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain why your revolving credit is less that the amount you are asking to borrow? - jpblan11
A: Current Prosper Loan = $3,300 balance, Revolving Credit = $8,200 balance. Total balance = $11,500 which is the current amount I want to borrow. (Oct-20-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
DukSerduk$25.00$25.0010/18/2010 3:01:35 PM
selector568$300.00$300.0010/18/2010 3:03:39 PM
julijask$35.00$35.0010/18/2010 3:05:20 PM
blot44$25.00$25.0010/18/2010 3:06:19 PM
alpinaut$30.00$30.0010/18/2010 2:59:36 PM
hookUup$100.00$100.0010/18/2010 3:03:44 PM
MarinLoans$25.00$25.0010/18/2010 3:12:17 PM
ericgassercom$50.00$50.0010/18/2010 3:03:52 PM
worthy-bid8$100.00$100.0010/18/2010 3:01:14 PM
ichibon$150.00$150.0010/18/2010 3:04:37 PM
exact-gold2$25.00$25.0010/18/2010 3:03:05 PM
cebgop$25.00$25.0010/18/2010 3:06:29 PM
ThomasC$50.00$50.0010/18/2010 3:07:02 PM
mjunlimited$50.00$50.0010/18/2010 3:04:03 PM
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DonaldColorado$100.00$100.0010/18/2010 3:06:36 PM
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atope$50.00$50.0010/23/2010 11:41:05 PM
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anti-wall-st$100.00$100.0010/24/2010 9:06:00 AM
6moonbeams$200.00$200.0010/24/2010 12:14:25 PM
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randomguy100$25.00$25.0010/24/2010 11:41:33 AM
lifegrowth$25.00$25.0010/24/2010 5:47:30 PM
tj1683$25.00$25.0010/24/2010 4:20:43 PM
Quaven$25.00$25.0010/24/2010 7:51:03 PM
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Captain88$25.00$25.0010/25/2010 6:09:51 AM
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antlr$50.00$50.0010/18/2010 3:06:34 PM
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roadtruck$50.00$50.0010/18/2010 3:06:04 PM
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jts$25.00$25.0010/18/2010 3:04:43 PM
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bannybucks$25.00$25.0010/21/2010 3:07:30 AM
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rachelrachelrachel$25.00$25.0010/21/2010 10:23:15 AM
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JJ9876$32.32$32.3210/21/2010 12:12:11 PM
TigerForce$25.00$25.0010/21/2010 1:15:56 PM
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amerigor$25.00$25.0010/22/2010 12:42:26 PM
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Emgolda$25.00$25.0010/22/2010 5:28:18 PM
Anny-Disco$25.00$25.0010/22/2010 5:29:07 PM
icecoldcash$60.00$60.0010/22/2010 5:29:20 PM
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Futurero$25.00$25.0010/23/2010 7:00:47 AM
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tenny321$50.00$50.0010/23/2010 3:34:25 PM
best-coin-miser$26.26$26.2610/23/2010 6:22:38 PM
MoneyTree79$58.26$58.2610/23/2010 6:30:48 PM
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spectrumlend$25.00$25.0010/23/2010 8:59:54 PM
unassuming-note$25.00$25.0010/24/2010 5:12:52 AM
Bzbee$100.00$100.0010/24/2010 7:43:48 AM
sab$25.00$25.0010/24/2010 9:21:25 AM
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Dollars4Rent$25.00$25.0010/24/2010 8:33:22 AM
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IrishFlyr2$50.00$50.0010/24/2010 4:37:14 PM
kmprospeo$50.00$50.0010/24/2010 6:35:11 PM
SanJoser$25.00$25.0010/24/2010 5:26:02 PM
bndlending2u$50.00$50.0010/24/2010 7:05:48 PM
Chesterite$50.00$50.0010/24/2010 9:43:01 PM
credit-shakespeare9$50.00$50.0010/24/2010 6:20:03 PM
reinforced-reward$25.00$25.0010/25/2010 5:16:55 AM
ctgscott$25.00$25.0010/25/2010 6:33:23 AM
martymaniaman$25.00$25.0010/25/2010 6:38:04 AM
rmpedi33$50.00$50.0010/25/2010 7:07:49 AM
heroic-platinum$25.00$25.0010/25/2010 5:11:19 AM
wise-silver-wonder$25.00$25.0010/25/2010 8:22:45 AM
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cleveland2portland$50.00$50.0010/25/2010 11:55:35 AM
ethical-point$50.00$50.0010/25/2010 1:27:19 PM
theemhdoctor$25.00$25.0010/25/2010 12:14:05 PM
Mocaba$150.00$150.0010/25/2010 2:51:47 PM
credit-guard5$25.00$25.0010/25/2010 2:18:24 PM
2brotherslending$50.00$50.0010/25/2010 2:56:59 PM
PK_USMC$25.00$25.0010/25/2010 2:17:02 PM
231 bids
 
Borrower Payment Dependent Notes Series 480228
This series of Notes was issued and sold upon the funding of the borrower loan #45004, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.70% Auction start date:  Oct-19-2010 
  Auction end date:  Oct-24-2010 
 
Starting lender yield: 20.90% Starting borrower rate/APR: 21.90% / 25.33% Starting monthly payment: $457.66
Final lender yield: 20.90% Final borrower rate/APR: 21.90% / 25.33% Final monthly payment: $457.66
 
Auction yield range: 7.71% - 20.90% Estimated loss impact: 8.19%  
Lender servicing fee: 1.00% Estimated return: 12.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1991 Debt/Income ratio: Not calculated
Credit score: 820-839 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,684Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: usavmony Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 100% ) 820-839 (Latest)
Principal borrowed: $24,000.00< 31 days late: 0 ( 0% )  
780-799 (Jan-2008)
 
Principal balance: $3,181.51 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Way of Showing My Gratitude
Purpose of loan:
This loan will be used as way of giving back and showing my appreciation to the Prosper community. I originally borrowed $24,000 in 2008 to help grow my second restaurant business. Though there were many skeptics, there were also many Prosper members who helped fund my loan. Well I am happy to report my second restaurant is doing spectacular and my Prosper loan is now down to only $3000! As a way of showing my eternal gratitude, I am opening a new loan to help those looking for a safe way to make a decent return on their money. I don't have any major need or purpose for the loan other than to just help out Prosper members but I know I have to invest it somewhere so I plan on putting it to good use into my restaurants in minor upgrades.?

My financial situation:
I am a good candidate for this loan because I have a proven track record with Prosper. I took out a pretty large Prosper loan, $24,000.00, back in 2008 and it is now down to $3000, which will be paid off in 3 months.?

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: Congrats on the success of your business and almost finishing paying your loan back. This will free up about $850 in liquid assets. I however don't understand your need for another loan, it just does not make business sense if you dont need the $. - jpblan11
A: Thank you for your question. At this time I have no immediate need for a business loan. Though listed as a business loan, my intention for this loan is to show my gratitude to Prosper members for helping fund my original loan for my second restaurant. I am giving back to Prosper the only way I know how; by offering a safe and higher interest rate investment over most other sources. (Oct-21-2010)
Q: Hi, Could you please tell us the minor upgrades that you will be making (you will have 9k in cash after paying off your prosper loan)? What else do you plan on using the money for? ty mm - Mr-Miracle
A: Thank you for the question. Most of the minor upgrades focus on aesthetics. Things like new table cloths, new menu magnets, possibly new wall paint. I am also considering upgrading our sound system. As the need arises, we'll apply the funds from this new loan. Keep in mind, the last thing I want to do is take away funds from Prosper borrowers who really need it. My loan is for those Prosper lenders looking for a safe investment and are unable to find a borrower worthy of their assistance. (Oct-22-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alpinaut$25.00$25.0010/19/2010 3:41:06 PM
bountiful-durability$100.00$100.0010/19/2010 3:47:06 PM
DRA-Properties$25.00$25.0010/19/2010 3:47:17 PM
jdwillcox$50.00$50.0010/19/2010 3:47:37 PM
payout-achievement$100.00$100.0010/19/2010 3:49:20 PM
generous-deal6$50.00$50.0010/19/2010 3:49:58 PM
handshake5$100.00$100.0010/19/2010 3:51:13 PM
TakeCare$80.00$80.0010/19/2010 3:51:36 PM
ichibon$150.00$150.0010/19/2010 3:48:33 PM
CAGE-Investments$25.00$25.0010/19/2010 3:53:16 PM
bid-czar8$50.00$50.0010/19/2010 3:50:44 PM
graceful-investment$100.00$100.0010/19/2010 3:54:52 PM
C_Mark$100.00$100.0010/19/2010 3:58:48 PM
GElender$50.00$50.0010/19/2010 3:52:12 PM
successful-agreement7$100.00$100.0010/19/2010 3:59:02 PM
reward-tsunami7$50.00$50.0010/19/2010 3:59:14 PM
bold-attentive-listing$25.00$25.0010/19/2010 3:56:17 PM
HedgeFund$50.00$50.0010/19/2010 3:57:47 PM
jescowa$50.00$50.0010/19/2010 4:01:29 PM
loan-mammal$25.00$25.0010/19/2010 4:01:47 PM
enthusiastic-balance5$100.00$100.0010/19/2010 4:02:04 PM
6moonbeams$200.00$200.0010/19/2010 3:59:24 PM
JustMee$25.00$25.0010/19/2010 5:24:31 PM
j2ee$25.00$25.0010/19/2010 6:41:22 PM
kmr2$150.00$150.0010/19/2010 7:10:16 PM
MoneyForNothing$34.04$34.0410/20/2010 1:36:21 AM
ogmanny$50.00$50.0010/20/2010 1:47:15 AM
selector568$200.00$200.0010/20/2010 1:51:22 AM
silver-armada$50.00$50.0010/20/2010 5:04:52 AM
zoe1971$25.00$25.0010/20/2010 6:51:38 AM
DasMula$25.00$25.0010/20/2010 7:37:27 AM
suave-dime6$25.00$25.0010/20/2010 7:53:44 AM
Mr-Miracle$25.00$25.0010/20/2010 8:52:58 AM
life-is-great$50.00$50.0010/20/2010 11:25:27 AM
the-money-position$50.00$50.0010/20/2010 12:34:05 PM
reflective-rupee$333.00$333.0010/20/2010 1:55:46 PM
BuffetRocks$50.00$50.0010/20/2010 3:46:25 PM
Artist_Blue$25.00$25.0010/20/2010 4:36:21 PM
mtquan$25.00$25.0010/20/2010 5:21:54 PM
larrybird$75.00$75.0010/21/2010 1:38:27 AM
Mighty_Hunter$50.00$50.0010/20/2010 11:26:03 PM
lucrative-loan$38.77$38.7710/21/2010 2:17:49 AM
natural-affluence4$25.00$25.0010/21/2010 9:35:36 AM
vigorous-velocity$100.00$100.0010/21/2010 9:46:19 AM
Aberdeen$500.00$500.0010/21/2010 10:01:41 AM
karmarush$25.00$25.0010/21/2010 1:23:21 PM
techvet$50.00$50.0010/21/2010 2:43:24 PM
peb44$25.00$25.0010/21/2010 2:43:33 PM
SelectTrustLending$25.00$25.0010/21/2010 2:47:20 PM
Lonely_Hunter$25.00$25.0010/21/2010 6:43:33 PM
yield-lion2$75.00$75.0010/21/2010 7:21:00 PM
innocent-income4$25.00$25.0010/21/2010 10:07:48 PM
bambampk$25.00$25.0010/22/2010 8:25:58 AM
aprivatelender$200.00$200.0010/22/2010 7:01:48 AM
chrisb1414$25.00$25.0010/22/2010 7:29:25 AM
FigTree$50.00$50.0010/22/2010 10:10:31 AM
ready-vigilance3$50.00$50.0010/22/2010 10:11:05 AM
point-shooter$50.00$50.0010/22/2010 10:23:39 AM
wlm3012$25.00$25.0010/22/2010 10:24:36 AM
Tradesmanlender$25.00$25.0010/22/2010 10:26:31 AM
Railbird$25.00$25.0010/22/2010 10:28:08 AM
justice-dna$25.00$25.0010/22/2010 10:43:26 AM
nickel-hickory$25.00$25.0010/22/2010 11:10:50 AM
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Banker7371$25.00$25.0010/22/2010 12:54:00 PM
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aggielender$25.00$25.0010/23/2010 9:22:24 PM
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intuitive-bill$25.00$25.0010/24/2010 12:14:07 AM
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omerta6102$50.00$50.0010/24/2010 8:07:53 AM
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alaskakid$27.50$27.5010/24/2010 1:02:10 PM
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rescue$100.00$100.0010/19/2010 3:42:14 PM
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lendingfrog$25.00$25.0010/19/2010 3:43:40 PM
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efficient-treasure0$25.00$25.0010/19/2010 3:55:08 PM
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itnAAnti$25.00$25.0010/19/2010 3:58:39 PM
jazzlender$50.00$50.0010/19/2010 3:56:08 PM
orangetrust$100.00$100.0010/19/2010 3:56:37 PM
mla$25.00$25.0010/19/2010 3:56:52 PM
teller$50.00$50.0010/19/2010 3:59:44 PM
don8ter$25.00$25.0010/19/2010 4:00:44 PM
ferocious-camaraderi1$100.00$100.0010/19/2010 4:01:15 PM
b-rent$25.00$25.0010/19/2010 4:09:56 PM
psa1995$50.00$50.0010/19/2010 7:09:45 PM
Trakissta$150.00$150.0010/19/2010 7:12:48 PM
JohnGalt79$31.91$31.9110/20/2010 5:19:07 AM
studious-bonus7$100.00$100.0010/20/2010 6:33:57 AM
DasMula$25.00$25.0010/20/2010 7:38:29 AM
DasMula$25.00$25.0010/20/2010 7:40:42 AM
DasMula$25.00$25.0010/20/2010 7:40:06 AM
blue-useful-auction$25.00$25.0010/20/2010 9:34:16 AM
a-finance-nirvana$25.00$25.0010/20/2010 9:37:30 AM
Gabriel02$25.00$25.0010/20/2010 10:09:56 AM
Quiddity$50.00$50.0010/20/2010 10:31:17 AM
Clambake$50.00$50.0010/20/2010 1:03:16 PM
income-titan8$29.05$29.0510/20/2010 12:47:30 PM
supersarah61$25.00$25.0010/20/2010 1:03:00 PM
receptive-leverage$171.33$171.3310/20/2010 3:50:48 PM
bold-durability-drum$50.00$50.0010/20/2010 4:14:24 PM
ti22ring$25.00$25.0010/20/2010 4:37:42 PM
SolarMoonshine$25.00$25.0010/20/2010 5:31:39 PM
tuxedo76$65.00$65.0010/20/2010 7:58:43 PM
kenji4861$25.00$25.0010/20/2010 9:42:02 PM
_NaLNaBB$400.00$400.0010/20/2010 10:22:16 PM
schpere$32.97$32.9710/21/2010 6:11:44 AM
Aberdeen$400.00$400.0010/21/2010 10:01:42 AM
Aberdeen$400.00$400.0010/21/2010 10:01:43 AM
thankful-nickel2$25.00$25.0010/21/2010 12:31:39 PM
crenen139$25.00$25.0010/21/2010 2:58:49 PM
comet55$25.00$25.0010/21/2010 3:27:27 PM
the-profit-oracle$25.00$25.0010/21/2010 5:01:08 PM
alaco$25.00$25.0010/21/2010 6:37:48 PM
jigsaw$83.90$83.9010/21/2010 7:04:18 PM
Interstate_Rate$34.00$34.0010/21/2010 8:12:23 PM
rockhound84$25.00$25.0010/22/2010 3:06:59 AM
Belair_Advisors$25.00$25.0010/22/2010 4:57:15 AM
SimpleChoice$25.00$25.0010/22/2010 6:52:09 AM
fabulous-community4$37.36$37.3610/22/2010 5:41:42 AM
SweatyBalls$50.00$50.0010/22/2010 5:01:04 AM
well-mannered-income3$75.00$75.0010/22/2010 10:25:24 AM
hookUup$30.58$30.5810/22/2010 10:27:52 AM
pleasant-basis$25.00$25.0010/22/2010 10:42:51 AM
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rapid-credit428$25.00$25.0010/22/2010 1:19:11 PM
seahorse2008$25.00$25.0010/22/2010 1:34:03 PM
five-star-note$100.00$100.0010/22/2010 1:56:12 PM
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reward-dynamo$25.00$25.0010/22/2010 3:29:37 PM
Tokkoutai99$35.00$35.0010/22/2010 4:18:51 PM
lending_well$25.00$25.0010/22/2010 4:24:37 PM
FadSaolAgat$50.00$50.0010/22/2010 4:28:46 PM
Galdis$25.00$25.0010/22/2010 5:27:20 PM
maldok1$25.00$25.0010/23/2010 2:02:37 AM
Ripsaw4U$29.20$29.2010/23/2010 3:41:32 AM
Zoramite$25.00$25.0010/23/2010 5:39:56 AM
malar$50.00$50.0010/23/2010 10:13:13 AM
golffish2$200.00$200.0010/23/2010 10:22:28 AM
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deal-vibrato$50.00$50.0010/23/2010 12:15:00 PM
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asset-professor$50.00$50.0010/23/2010 7:18:10 PM
duty-starfish8$50.00$50.0010/24/2010 8:04:09 AM
54CHEVY$50.00$50.0010/24/2010 8:07:56 AM
Eagledrop$25.00$25.0010/24/2010 8:07:51 AM
excellent-nickel$33.23$33.2310/24/2010 8:08:33 AM
the-debt-fluffy-bunny$25.00$25.0010/24/2010 9:50:29 AM
gocubsgo22$50.00$50.0010/24/2010 7:18:23 AM
ivadood$100.00$100.0010/24/2010 7:51:09 AM
equitable-yield4$25.00$25.0010/24/2010 8:04:38 AM
herbyman$50.00$50.0010/24/2010 8:10:10 AM
gallant-economy9$69.65$40.1610/24/2010 8:12:17 AM
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cwswdh$750.00$750.0010/24/2010 10:41:35 AM
tenacious-compassion9$25.00$25.0010/24/2010 11:17:16 AM
DirtyJack$50.00$50.0010/24/2010 11:32:30 AM
TrustPlus$50.00$50.0010/24/2010 3:21:09 PM
1-HARD-HEAD$25.00$25.0010/24/2010 3:09:52 PM
bold-yield-rumbler$25.00$25.0010/24/2010 7:51:57 PM
Fire2$50.00$50.0010/24/2010 7:47:31 PM
194 bids
 
Borrower Payment Dependent Notes Series 480254
This series of Notes was issued and sold upon the funding of the borrower loan #45041, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-24-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $134.61
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $134.61
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1998 Debt/Income ratio: 20%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:4y 11m
Amount delinquent: $4,328 Total credit lines: 58 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,722Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: bmetlady Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off cards
Purpose of loan:
This loan will be used to pay off outstanding debts so I can get back on my feet financially.

My financial situation:
I am a good candidate for this loan because I have the money to pay back the loan. I overextended myself financially due to family emergencies. I have been employed by the federal government for the past 20 years and have a solid work history. I just need to get back on feet so I can move on financially.

Monthly net income: $ 4308

Monthly expenses: $
??Housing: $ 1675
??Insurance: $ 200
??Car expenses: $ 414
??Utilities: $ 110
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 345
??Other expenses:
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you please explain the outstanding balance on your 2 delinquencies? Thanks- - diversification-maple1
A: Yes, I am currently having a remodification done on my home loan and although I am current on my payment with my mortgage company it shows as deliquent on my credit report until my modification goes through; I remodified my loan since I was in an adjustable loan and my mortgage company worked with me to get me a modification to lower my payment and get me out of the adjustable rate loan. It is in final review and has been a long process. Let me know if you have any further questions. Thanks! (Oct-22-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radiant-loan5$200.00$200.0010/18/2010 3:12:05 PM
bid-czar8$25.00$25.0010/18/2010 3:13:16 PM
handshake5$50.00$50.0010/18/2010 3:13:51 PM
loan-kung-fu$50.00$50.0010/18/2010 3:22:38 PM
nybanker85$50.00$50.0010/18/2010 3:51:02 PM
noble-revenue$46.89$46.8910/18/2010 7:13:01 PM
Bob450$25.00$25.0010/18/2010 10:19:26 PM
forthright-dedication$25.00$25.0010/19/2010 8:40:26 AM
villagers$25.00$25.0010/19/2010 7:05:14 AM
cablenews$25.00$25.0010/19/2010 8:53:58 AM
moola-wildebeest3$25.00$25.0010/19/2010 10:05:33 AM
balance-handshake7$25.00$25.0010/19/2010 10:05:38 AM
capital-galaxy$200.00$200.0010/19/2010 10:36:33 AM
LuvToLend$25.00$25.0010/19/2010 11:05:02 AM
gustavzantanon$25.00$25.0010/19/2010 11:06:00 AM
Diamond_Jim$25.00$25.0010/19/2010 11:07:33 AM
shmb6508$50.00$50.0010/19/2010 3:28:16 PM
musegaze$100.00$100.0010/19/2010 4:15:53 PM
SolarMoonshine$25.00$25.0010/19/2010 5:06:28 PM
natural-greenback6$25.00$25.0010/20/2010 9:52:54 AM
nickel-position$25.00$25.0010/20/2010 11:17:57 AM
graceful-investment$76.77$76.7710/20/2010 4:00:35 PM
arsisi$200.00$168.8610/21/2010 9:56:08 AM
Bomber$25.00$25.0010/22/2010 5:33:50 AM
awesome-silver$100.00$100.0010/23/2010 2:54:44 AM
leverage-monger$25.00$25.0010/23/2010 8:20:14 AM
helping-out$350.00$350.0010/23/2010 7:16:06 AM
heroic-benefit$72.93$72.9310/23/2010 11:51:13 AM
aztocas$25.00$25.0010/23/2010 12:10:43 PM
poolshark72$25.00$25.0010/23/2010 10:26:06 PM
jbloans$25.00$25.0010/24/2010 7:56:05 AM
Kqwik$25.72$25.7210/24/2010 10:56:03 AM
sfmf$25.00$25.0010/18/2010 3:03:00 PM
Evan_Safe$25.00$25.0010/18/2010 3:41:13 PM
HedgeFund$50.00$50.0010/18/2010 4:12:50 PM
Artist_Blue$25.00$25.0010/19/2010 10:02:16 AM
washboard1$43.87$43.8710/19/2010 10:05:36 AM
agiovasil$25.00$25.0010/19/2010 11:01:41 AM
Comoparklender$25.00$25.0010/19/2010 11:04:45 AM
balance-hercules$50.00$50.0010/19/2010 11:04:43 AM
NoCal$30.00$30.0010/19/2010 11:17:22 AM
teller$50.00$50.0010/19/2010 5:15:13 PM
ritchie70$25.00$25.0010/19/2010 7:34:07 PM
TakeCare$50.00$50.0010/20/2010 3:49:01 PM
diversification-maple1$25.00$25.0010/21/2010 2:30:45 AM
BuckeyeBanker$50.00$50.0010/22/2010 9:00:58 AM
wlm3012$25.00$25.0010/22/2010 10:21:20 AM
capital-galaxy$100.00$100.0010/22/2010 3:38:10 PM
unger$50.00$50.0010/23/2010 11:38:54 AM
One_Lolo$25.00$25.0010/23/2010 11:48:11 AM
Branch95$28.53$28.5310/23/2010 4:15:36 PM
lending-theory$25.00$25.0010/23/2010 5:05:48 PM
gold-cluster$100.00$100.0010/23/2010 7:18:49 PM
kevlar$25.00$25.0010/24/2010 3:36:14 AM
spiff666$25.00$25.0010/24/2010 9:07:02 AM
california5andime$50.00$50.0010/24/2010 2:11:42 PM
mri555$29.00$29.0010/24/2010 1:09:33 PM
investment-visionary$27.43$27.4310/24/2010 1:42:21 PM
58 bids