Sales Report:Supplement No. 69 dated Nov 04, 2010 to Prospectus dated Jul 26, 2010File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 26, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
464643
This series of Notes was issued and sold upon the funding of the borrower loan #45160, 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-25-2010 |
| |
Auction end date:
| Oct-31-2010 |
|
|
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):
| 5 |
First credit line:
| Dec-1984 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 12y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,107 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| velocity-sitar |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
8Upgrading my dog boarding facility
Purpose of loan:
This loan will be used to?enlarge and upgrade?the?dog boarding facility?I began last year. It has been far more successful than?expected, even in the sagging economy. I want to attract more clients so I plan to use the funds to purchase more dog-related items, building supplies, marketing improvements. ?
My financial situation:
I am a good candidate for this loan because?I have?a good credit standing and am deeply committed to making my business highly profitable.?
Monthly net income: $750?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
How many dogs do you board now and how many more would this loan add? - sanramonobserver
A:
I presently board 7-8 dogs per day and with expansion I would be able to board 12. This is a smaller, cage-free boarding/spa dog retreat, a new concept that has quickly become very successful to the point of turning clients away for lack of space.
Thank you for your interest.
(Oct-28-2010)
Q:
Do you have other employment? What are your living expenses? - laidback59
A:
The boarding establishment is my only business. My monthly income averages $2200 and my expenses are apx. $1400 per month.
Thank you for your interest.
(Oct-31-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radiant-loan5 | $200.00 | $200.00 | 10/25/2010 3:24:53 PM |
| bid-czar8 | $25.00 | $25.00 | 10/25/2010 3:33:25 PM |
| inspiring-reward | $100.00 | $100.00 | 10/25/2010 3:40:16 PM |
| helping-out | $25.00 | $25.00 | 10/25/2010 4:51:03 PM |
| NoCal | $30.00 | $30.00 | 10/26/2010 5:17:39 PM |
| suave-dime6 | $25.00 | $25.00 | 10/26/2010 6:03:38 PM |
| felicity-festival | $30.00 | $30.00 | 10/26/2010 6:16:07 PM |
| greenback-guard | $25.00 | $25.00 | 10/26/2010 11:10:49 PM |
| shmb6508 | $50.00 | $50.00 | 10/27/2010 6:31:25 AM |
| money-bauble | $50.00 | $50.00 | 10/27/2010 4:19:48 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:04:48 PM |
| asiaratt | $50.00 | $50.00 | 10/28/2010 10:05:40 PM |
| graceful-investment | $100.00 | $2.56 | 10/28/2010 10:16:20 PM |
| Flshedman | $50.00 | $50.00 | 10/29/2010 4:28:13 AM |
| Easystreet | $25.00 | $25.00 | 10/29/2010 2:36:44 PM |
| Saleen06 | $37.89 | $37.89 | 10/29/2010 11:34:14 AM |
| skillful-asset5 | $25.00 | $25.00 | 10/29/2010 6:14:58 PM |
| compassion-paladin042 | $25.00 | $25.00 | 10/30/2010 3:56:38 AM |
| tlswms | $32.00 | $32.00 | 10/29/2010 7:38:19 PM |
| auction-mastery | $25.00 | $25.00 | 10/30/2010 12:56:20 AM |
| wasaabi | $50.00 | $50.00 | 10/30/2010 7:52:49 AM |
| kendigme | $35.02 | $35.02 | 10/30/2010 6:43:18 AM |
| heerzaquestion | $25.00 | $25.00 | 10/30/2010 7:49:36 AM |
| heroic-benefit | $200.00 | $200.00 | 10/30/2010 11:37:42 AM |
| doopers | $25.00 | $25.00 | 10/30/2010 7:16:39 AM |
| entertaining-revenue | $34.14 | $34.14 | 10/30/2010 3:23:22 PM |
| matthewa | $25.00 | $25.00 | 10/30/2010 4:00:23 PM |
| Pu239 | $50.00 | $50.00 | 10/30/2010 8:47:59 AM |
| revenue-spa8 | $25.00 | $25.00 | 10/30/2010 9:14:36 AM |
| draggon77 | $25.00 | $25.00 | 10/31/2010 1:43:49 AM |
| johnk317 | $33.55 | $33.55 | 10/31/2010 7:02:09 AM |
| wonderlandkat | $25.00 | $25.00 | 10/30/2010 3:54:55 PM |
| Leopoldine | $25.00 | $25.00 | 10/30/2010 9:08:52 PM |
| nickel-demon2 | $50.00 | $50.00 | 10/30/2010 6:39:59 PM |
| Cawse | $25.00 | $25.00 | 10/30/2010 9:01:05 PM |
| responsibility-blanket6 | $34.00 | $34.00 | 10/31/2010 1:40:15 AM |
| valiant-liberty4 | $25.00 | $25.00 | 10/25/2010 3:30:45 PM |
| handshake5 | $100.00 | $100.00 | 10/25/2010 3:27:21 PM |
| loyalist1 | $50.00 | $50.00 | 10/25/2010 3:38:08 PM |
| transaction-circuit | $50.00 | $50.00 | 10/25/2010 5:53:20 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/26/2010 1:17:09 AM |
| skuba | $25.00 | $25.00 | 10/27/2010 12:35:53 PM |
| musegaze | $100.00 | $100.00 | 10/27/2010 1:35:14 PM |
| TakeCare | $50.00 | $50.00 | 10/27/2010 4:19:07 PM |
| teller | $50.00 | $50.00 | 10/27/2010 4:23:37 PM |
| usaUmp | $50.00 | $50.00 | 10/28/2010 7:26:34 AM |
| worthy-bid8 | $25.00 | $25.00 | 10/28/2010 8:45:46 AM |
| momoney2lend | $25.00 | $25.00 | 10/28/2010 2:36:45 PM |
| Comoparklender | $27.74 | $27.74 | 10/28/2010 2:37:50 PM |
| saxaphone6 | $25.00 | $25.00 | 10/28/2010 2:39:33 PM |
| patriot384 | $30.00 | $30.00 | 10/28/2010 7:24:49 PM |
| Sagenius | $25.00 | $25.00 | 10/29/2010 12:30:27 PM |
| excellent-reward323 | $58.87 | $58.87 | 10/29/2010 10:22:40 AM |
| greenback-guard | $25.00 | $25.00 | 10/29/2010 12:28:41 PM |
| Bob450 | $30.00 | $30.00 | 10/29/2010 12:56:24 PM |
| sanramonobserver | $50.00 | $50.00 | 10/29/2010 2:41:35 PM |
| larryboy10 | $25.00 | $25.00 | 10/29/2010 5:59:50 PM |
| unger | $100.00 | $100.00 | 10/30/2010 3:09:50 AM |
| COCHINOBOY | $30.00 | $30.00 | 10/29/2010 6:52:39 PM |
| honey-money | $25.00 | $25.00 | 10/29/2010 8:59:36 PM |
| leverage-monger | $25.00 | $25.00 | 10/30/2010 8:00:39 AM |
| mammalian4 | $25.00 | $25.00 | 10/30/2010 10:58:17 AM |
| cognizant-responsibility9 | $25.00 | $25.00 | 10/30/2010 7:13:12 PM |
| DrWill | $25.00 | $25.00 | 10/30/2010 12:08:55 PM |
| value-squirrel3 | $25.00 | $25.00 | 10/30/2010 1:53:36 PM |
| spike22 | $29.23 | $29.23 | 10/31/2010 8:01:17 AM |
| coasterman | $25.00 | $25.00 | 10/30/2010 6:20:47 PM |
| gaurantee101 | $25.00 | $25.00 | 10/30/2010 10:26:57 PM |
| himistu22 | $25.00 | $25.00 | 10/31/2010 2:53:21 AM |
| dime-futurist | $25.00 | $25.00 | 10/31/2010 3:06:56 AM |
| 70 bids
|
Borrower Payment Dependent Notes Series
479527
This series of Notes was issued and sold upon the funding of the borrower loan #45180, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-19-2010 |
| |
Auction end date:
| Oct-26-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $156.16 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $156.16 |
| |
|
Auction yield range:
| 10.71% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1979 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $14,227 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| orange-fantastic-platinum |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to?
Have just finished remodeling my home after kids left, went to college and started their own homes. Desperately need to replace furniture in several rooms.
My financial situation:
I am a good candidate for this loan because? I have a secure job as Director of Safety and Risk Control for a company that has been in business for 75 years.
Although I am doing this loan, my wife also has a secure job she has been at for 32 years and has an income of just over $50.000.00. I? also referee basketball which begins next month that brings in an additional 600 to 800 dollars a month through March.
Monthly net income: $ Approx. $6000.00?
Monthly expenses: $
??Housing: $ 820.00
??Insurance: $ Home Included in House loan
??Car expenses: $ None
??Utilities: $ 150.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 700.00
??Other expenses: $ 400.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| handshake5 | $100.00 | $100.00 | 10/19/2010 3:50:13 PM |
| bid-czar8 | $25.00 | $25.00 | 10/19/2010 3:50:21 PM |
| radiant-loan5 | $100.00 | $100.00 | 10/19/2010 3:58:11 PM |
| NoCal | $30.00 | $30.00 | 10/19/2010 4:17:12 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/20/2010 9:53:30 AM |
| musegaze | $61.05 | $61.05 | 10/20/2010 12:19:21 PM |
| teller | $50.00 | $50.00 | 10/20/2010 3:42:14 PM |
| beakerfish | $125.00 | $125.00 | 10/20/2010 5:51:41 PM |
| loyalist1 | $50.00 | $50.00 | 10/21/2010 9:12:02 AM |
| TakeCare | $60.00 | $60.00 | 10/21/2010 2:57:05 PM |
| Bob450 | $25.00 | $25.00 | 10/21/2010 10:32:56 PM |
| graceful-investment | $37.08 | $37.08 | 10/22/2010 10:42:20 AM |
| valiant-liberty4 | $25.00 | $25.00 | 10/22/2010 11:12:09 AM |
| inspiring-reward | $100.00 | $100.00 | 10/22/2010 2:05:34 PM |
| jigsaw | $50.00 | $50.00 | 10/22/2010 4:04:45 PM |
| reflective-rupee | $33.00 | $33.00 | 10/25/2010 10:58:09 AM |
| money-bauble | $25.00 | $25.00 | 10/25/2010 1:27:14 PM |
| tuneman1980 | $25.00 | $25.00 | 10/25/2010 4:11:13 PM |
| intuitive-bill | $25.00 | $25.00 | 10/25/2010 4:12:27 PM |
| shrewd-peace7 | $25.00 | $25.00 | 10/25/2010 4:11:27 PM |
| new-social-economist | $80.00 | $80.00 | 10/25/2010 4:15:13 PM |
| life-is-great | $50.00 | $50.00 | 10/25/2010 4:26:34 PM |
| suave-dime6 | $50.00 | $50.00 | 10/25/2010 4:28:17 PM |
| smear87 | $25.00 | $25.00 | 10/25/2010 4:22:56 PM |
| crenen139 | $25.00 | $25.00 | 10/25/2010 4:26:06 PM |
| sarisai | $25.00 | $25.00 | 10/25/2010 4:30:56 PM |
| MadHun | $100.00 | $100.00 | 10/25/2010 4:27:30 PM |
| thorough-exchange4 | $50.00 | $50.00 | 10/25/2010 4:35:45 PM |
| all_of_that_one | $45.00 | $45.00 | 10/25/2010 6:09:53 PM |
| tech310 | $50.00 | $50.00 | 10/25/2010 4:56:17 PM |
| b-rent | $25.00 | $25.00 | 10/25/2010 4:56:28 PM |
| EBITDA | $25.00 | $25.00 | 10/25/2010 7:46:38 PM |
| burrito6 | $25.00 | $25.00 | 10/26/2010 2:21:51 AM |
| thatguyoverseas | $25.00 | $25.00 | 10/25/2010 10:53:15 PM |
| affluence-tomahawk | $25.00 | $25.00 | 10/26/2010 2:19:48 AM |
| seisen | $33.22 | $33.22 | 10/26/2010 1:36:09 AM |
| pioneer538 | $25.00 | $25.00 | 10/26/2010 7:34:12 AM |
| genuine-responsibility8 | $50.00 | $50.00 | 10/26/2010 7:53:26 AM |
| GElender | $50.00 | $50.00 | 10/26/2010 6:59:28 AM |
| minnesotafinancial | $25.00 | $25.00 | 10/26/2010 9:31:49 AM |
| Trevor_C | $25.00 | $25.00 | 10/26/2010 9:44:19 AM |
| well-mannered-income3 | $30.00 | $30.00 | 10/26/2010 1:27:03 PM |
| Ven58 | $25.00 | $25.00 | 10/26/2010 1:55:43 PM |
| credit-missile | $25.00 | $25.00 | 10/26/2010 2:48:42 PM |
| anton | $200.00 | $158.91 | 10/26/2010 3:30:08 PM |
| wwwUniversal | $25.00 | $25.00 | 10/26/2010 3:22:45 PM |
| orangetrust | $50.00 | $50.00 | 10/26/2010 3:02:53 PM |
| shmb6508 | $47.04 | $47.04 | 10/20/2010 12:03:51 PM |
| TheAlchemist | $25.00 | $25.00 | 10/21/2010 8:46:09 AM |
| successful-agreement7 | $87.84 | $87.84 | 10/22/2010 3:29:33 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/22/2010 3:56:00 PM |
| HedgeFund | $50.00 | $50.00 | 10/22/2010 4:04:37 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/22/2010 4:04:23 PM |
| Wellman | $50.00 | $50.00 | 10/22/2010 4:03:45 PM |
| skuba | $25.00 | $25.00 | 10/23/2010 5:04:27 AM |
| momoney2lend | $25.00 | $25.00 | 10/23/2010 11:02:09 AM |
| anton | $87.00 | $87.00 | 10/23/2010 7:26:16 PM |
| Mark0135 | $50.00 | $50.00 | 10/25/2010 7:39:21 AM |
| fairhelper | $25.00 | $25.00 | 10/25/2010 8:37:59 AM |
| lovely-benefit7 | $25.00 | $25.00 | 10/25/2010 9:44:54 AM |
| psa1995 | $25.00 | $25.00 | 10/25/2010 2:16:58 PM |
| finance-magma7 | $100.00 | $100.00 | 10/25/2010 4:12:14 PM |
| whartonmba | $25.00 | $25.00 | 10/25/2010 4:12:39 PM |
| treasure-bliss | $38.88 | $38.88 | 10/25/2010 4:23:58 PM |
| noble-revenue | $100.00 | $100.00 | 10/25/2010 4:17:12 PM |
| cropdust3r | $25.00 | $25.00 | 10/25/2010 4:26:55 PM |
| orange-preeminant-bill | $35.98 | $35.98 | 10/25/2010 4:24:21 PM |
| impressive-loan9 | $50.00 | $50.00 | 10/25/2010 4:31:20 PM |
| pursuit699 | $50.00 | $50.00 | 10/25/2010 4:25:03 PM |
| Lam0nt | $25.00 | $25.00 | 10/25/2010 4:30:09 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 10/25/2010 4:24:54 PM |
| djindepth | $50.00 | $50.00 | 10/25/2010 4:26:28 PM |
| red-power-pecan | $50.00 | $50.00 | 10/25/2010 4:27:17 PM |
| innocent-income4 | $25.00 | $25.00 | 10/25/2010 4:29:22 PM |
| lending_well | $50.00 | $50.00 | 10/25/2010 4:31:26 PM |
| agiovasil | $25.00 | $25.00 | 10/25/2010 5:14:14 PM |
| contract-boomerang | $25.00 | $25.00 | 10/25/2010 7:05:54 PM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/25/2010 6:33:54 PM |
| 108lender | $30.00 | $30.00 | 10/25/2010 7:39:45 PM |
| mckhbnpc | $30.00 | $30.00 | 10/26/2010 8:46:05 AM |
| mcgovern2024 | $25.00 | $25.00 | 10/26/2010 9:54:40 AM |
| bodascafe | $25.00 | $25.00 | 10/26/2010 9:46:06 AM |
| ore-dojo | $25.00 | $25.00 | 10/26/2010 10:40:04 AM |
| neutrino6 | $25.00 | $25.00 | 10/26/2010 11:17:50 AM |
| leverage-monger | $25.00 | $25.00 | 10/26/2010 11:31:02 AM |
| Zipcut | $25.00 | $25.00 | 10/26/2010 11:50:55 AM |
| credit-missile | $25.00 | $25.00 | 10/26/2010 2:48:09 PM |
| zeelender | $25.00 | $25.00 | 10/26/2010 3:02:30 PM |
| new-social-economist | $50.00 | $50.00 | 10/26/2010 3:08:32 PM |
| JJ9876 | $25.00 | $25.00 | 10/26/2010 3:27:12 PM |
| 90 bids
|
Borrower Payment Dependent Notes Series
480003
This series of Notes was issued and sold upon the funding of the borrower loan #45174, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-21-2010 |
| |
Auction end date:
| Oct-28-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $308.20 |
| |
|
Auction yield range:
| 10.71% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 19y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,057 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blue-glowing-balance |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards.
Purpose of loan:
This loan is important to me at this time because I am preparing for my daughter?s wedding over the next 3 years and therefore would like to pay down my unsecured debt.
My financial situation:
I am a good candidate for this loan because my job is stable with the City of Philadelphia. Our household income is down from what it was last year?because my wife had a foot injury and is not working.
Monthly net income: $ 6,800
Monthly expenses: $ 5,500
??Housing: $ 1900
??Insurance: $ 600
??Car expenses: $ 600
??Utilities: $ 300
??Phone, cable, internet: $ 300
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 600
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ethicalhumanist | $25.00 | $25.00 | 10/21/2010 9:55:08 AM |
| radiant-loan5 | $100.00 | $100.00 | 10/21/2010 10:07:10 AM |
| Trakissta | $150.00 | $150.00 | 10/21/2010 7:02:25 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/22/2010 11:13:39 AM |
| Swinghi | $50.00 | $50.00 | 10/22/2010 3:29:01 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/22/2010 3:56:11 PM |
| Bob450 | $25.00 | $25.00 | 10/22/2010 9:36:57 PM |
| RedCentre | $32.95 | $32.95 | 10/23/2010 2:54:22 AM |
| dollar-spy | $25.00 | $25.00 | 10/23/2010 4:22:07 PM |
| therealjeremy | $25.00 | $25.00 | 10/23/2010 10:42:36 PM |
| teller | $50.00 | $50.00 | 10/25/2010 4:21:48 PM |
| musegaze | $100.00 | $100.00 | 10/25/2010 4:35:27 PM |
| FinDoc | $25.00 | $25.00 | 10/26/2010 4:39:03 PM |
| graceful-investment | $100.00 | $100.00 | 10/26/2010 5:05:27 PM |
| orangetrust | $50.00 | $50.00 | 10/26/2010 5:08:00 PM |
| JJ9876 | $25.00 | $25.00 | 10/26/2010 5:09:50 PM |
| Wellman | $50.00 | $50.00 | 10/26/2010 5:13:04 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/26/2010 5:13:24 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/26/2010 5:12:48 PM |
| greenback-guard | $25.00 | $25.00 | 10/26/2010 11:10:27 PM |
| lagnisiruk | $25.00 | $25.00 | 10/27/2010 9:08:20 AM |
| value-boomarang | $25.00 | $25.00 | 10/27/2010 11:25:44 AM |
| whartonmba | $25.00 | $25.00 | 10/27/2010 3:57:08 PM |
| intuitive-bill | $25.00 | $25.00 | 10/27/2010 3:57:13 PM |
| whatknows | $25.00 | $25.00 | 10/27/2010 3:58:53 PM |
| DUDE66 | $50.00 | $50.00 | 10/27/2010 4:09:12 PM |
| treasure-bliss | $50.00 | $50.00 | 10/27/2010 4:09:31 PM |
| lendcraft | $25.00 | $25.00 | 10/27/2010 4:11:56 PM |
| NewPairOfShoes | $25.00 | $25.00 | 10/27/2010 4:12:17 PM |
| first-listing-expert | $25.00 | $25.00 | 10/27/2010 4:12:21 PM |
| SLN-10 | $50.00 | $50.00 | 10/27/2010 4:12:28 PM |
| cropdust3r | $25.00 | $25.00 | 10/27/2010 4:13:05 PM |
| JAVEHE | $50.00 | $50.00 | 10/27/2010 4:13:25 PM |
| puifais | $25.00 | $25.00 | 10/27/2010 4:13:34 PM |
| burrito6 | $25.00 | $25.00 | 10/27/2010 4:13:46 PM |
| sarisai | $25.00 | $25.00 | 10/27/2010 3:56:09 PM |
| CC911 | $25.00 | $25.00 | 10/27/2010 4:07:16 PM |
| ptjg | $25.00 | $25.00 | 10/27/2010 3:56:52 PM |
| finance-magma7 | $100.00 | $100.00 | 10/27/2010 3:57:01 PM |
| agiovasil | $25.00 | $25.00 | 10/27/2010 3:57:46 PM |
| famous-hope | $25.00 | $25.00 | 10/27/2010 4:11:44 PM |
| burgeoning-silver | $25.00 | $25.00 | 10/27/2010 4:12:00 PM |
| tornandfrayed | $50.00 | $50.00 | 10/27/2010 4:12:08 PM |
| networks4ever | $25.00 | $25.00 | 10/27/2010 4:12:25 PM |
| zwd12 | $25.00 | $25.00 | 10/27/2010 4:13:02 PM |
| kegs | $100.00 | $100.00 | 10/27/2010 4:13:24 PM |
| escharfer | $25.00 | $25.00 | 10/27/2010 4:13:36 PM |
| contract-boomerang | $25.00 | $25.00 | 10/27/2010 4:06:59 PM |
| lovely-benefit7 | $25.00 | $25.00 | 10/27/2010 4:08:29 PM |
| sturdy-openness885 | $25.00 | $25.00 | 10/27/2010 4:11:54 PM |
| irrelevant | $25.00 | $25.00 | 10/27/2010 4:12:12 PM |
| richboy56 | $25.00 | $25.00 | 10/27/2010 4:12:26 PM |
| innocent-income4 | $25.00 | $25.00 | 10/27/2010 4:13:11 PM |
| thorough-exchange4 | $50.00 | $50.00 | 10/27/2010 4:13:15 PM |
| the-silver-blaster | $50.00 | $50.00 | 10/27/2010 4:13:31 PM |
| hope-eagle6 | $25.00 | $18.68 | 10/27/2010 4:13:52 PM |
| DasMula | $25.00 | $25.00 | 10/27/2010 4:40:44 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/27/2010 5:30:25 PM |
| Whipster | $50.00 | $50.00 | 10/27/2010 5:02:49 PM |
| receptive-leverage | $100.00 | $100.00 | 10/27/2010 9:43:57 PM |
| Easystreet | $25.00 | $25.00 | 10/27/2010 6:56:38 PM |
| loss-of-control | $50.00 | $50.00 | 10/27/2010 6:07:12 PM |
| back-scratchers | $25.00 | $25.00 | 10/28/2010 12:37:15 AM |
| power-secret-agent | $40.00 | $40.00 | 10/27/2010 7:21:57 PM |
| wonder3 | $25.00 | $25.00 | 10/28/2010 6:16:10 AM |
| Smallbear | $25.00 | $25.00 | 10/28/2010 6:49:35 AM |
| Saleen06 | $34.55 | $34.55 | 10/27/2010 8:10:57 PM |
| rockhound84 | $25.00 | $25.00 | 10/28/2010 1:34:07 AM |
| rapid-currency | $25.00 | $25.00 | 10/27/2010 8:43:52 PM |
| kttalamo | $25.00 | $25.00 | 10/27/2010 9:58:40 PM |
| established-wampum8 | $44.65 | $44.65 | 10/28/2010 9:04:36 AM |
| paradisenow | $25.00 | $25.00 | 10/28/2010 3:35:44 AM |
| skeebuzz | $50.00 | $50.00 | 10/28/2010 8:26:10 AM |
| Nerdster1 | $25.01 | $25.01 | 10/28/2010 9:21:46 AM |
| vigilance-searcher | $25.00 | $25.00 | 10/28/2010 8:17:32 AM |
| handshake5 | $100.00 | $100.00 | 10/21/2010 10:03:51 AM |
| bid-czar8 | $25.00 | $25.00 | 10/21/2010 10:04:00 AM |
| debtcollector | $100.00 | $100.00 | 10/21/2010 2:21:41 PM |
| inspiring-reward | $100.00 | $100.00 | 10/22/2010 2:06:50 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/22/2010 2:44:45 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/22/2010 3:27:41 PM |
| foothillender | $25.00 | $25.00 | 10/23/2010 2:44:42 PM |
| Finchy78 | $25.00 | $25.00 | 10/24/2010 3:53:06 PM |
| NoCal | $30.00 | $30.00 | 10/25/2010 8:26:30 AM |
| skuba | $25.00 | $25.00 | 10/25/2010 4:17:22 PM |
| shmb6508 | $50.00 | $50.00 | 10/25/2010 4:22:41 PM |
| rustysailor | $25.00 | $25.00 | 10/26/2010 1:28:44 PM |
| TakeCare | $60.00 | $60.00 | 10/26/2010 3:58:26 PM |
| GElender | $50.00 | $50.00 | 10/26/2010 4:51:57 PM |
| shrewd-peace7 | $25.00 | $25.00 | 10/26/2010 4:44:47 PM |
| jigsaw | $50.00 | $50.00 | 10/26/2010 4:56:19 PM |
| momoney2lend | $25.00 | $25.00 | 10/26/2010 4:50:38 PM |
| red-power-pecan | $50.00 | $50.00 | 10/26/2010 5:03:36 PM |
| suave-dime6 | $25.00 | $25.00 | 10/26/2010 6:03:11 PM |
| neutrino6 | $25.00 | $25.00 | 10/26/2010 6:17:15 PM |
| HedgeFund | $50.00 | $50.00 | 10/26/2010 7:50:22 PM |
| frogperson | $250.00 | $250.00 | 10/26/2010 9:35:41 PM |
| 2brotherslending | $50.00 | $50.00 | 10/26/2010 11:02:56 PM |
| helping-out | $75.00 | $75.00 | 10/27/2010 9:19:38 AM |
| b-rent | $25.00 | $25.00 | 10/27/2010 10:09:21 AM |
| psa1995 | $25.00 | $25.00 | 10/27/2010 10:06:52 AM |
| nilonc1 | $75.00 | $75.00 | 10/27/2010 1:48:15 PM |
| inforapenny | $50.00 | $50.00 | 10/27/2010 3:13:44 PM |
| Lam0nt | $25.00 | $25.00 | 10/27/2010 3:56:07 PM |
| lending_well | $28.24 | $28.24 | 10/27/2010 3:56:12 PM |
| genuine-responsibility8 | $50.00 | $50.00 | 10/27/2010 3:57:41 PM |
| anton | $233.71 | $233.71 | 10/27/2010 3:14:05 PM |
| thatguyoverseas | $25.00 | $25.00 | 10/27/2010 4:08:02 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 10/27/2010 3:56:04 PM |
| Mark0135 | $50.00 | $50.00 | 10/27/2010 4:08:10 PM |
| impressive-loan9 | $50.00 | $50.00 | 10/27/2010 3:56:10 PM |
| life-is-great | $35.10 | $35.10 | 10/27/2010 3:58:07 PM |
| shur | $25.00 | $25.00 | 10/27/2010 4:11:51 PM |
| gold-channel2 | $50.00 | $50.00 | 10/27/2010 4:12:13 PM |
| tearingstar | $25.00 | $25.00 | 10/27/2010 4:12:20 PM |
| traice | $25.00 | $25.00 | 10/27/2010 4:12:23 PM |
| S-Master | $50.00 | $50.00 | 10/27/2010 4:12:30 PM |
| minddoc | $25.00 | $25.00 | 10/27/2010 4:13:22 PM |
| gallant-economy9 | $287.11 | $287.11 | 10/27/2010 4:13:28 PM |
| seisen | $100.00 | $100.00 | 10/27/2010 4:13:37 PM |
| NoMoreDebt4Me | $25.00 | $25.00 | 10/27/2010 4:13:42 PM |
| wanna-help | $30.00 | $30.00 | 10/27/2010 4:02:05 PM |
| gotjack | $25.00 | $25.00 | 10/27/2010 4:02:20 PM |
| lcole32 | $25.00 | $25.00 | 10/27/2010 3:50:04 PM |
| wise-silver-wonder | $25.00 | $25.00 | 10/27/2010 3:53:26 PM |
| r0b3m4n | $25.00 | $25.00 | 10/27/2010 4:06:13 PM |
| noble-revenue | $100.00 | $100.00 | 10/27/2010 4:06:23 PM |
| mercuriant | $25.00 | $25.00 | 10/27/2010 4:17:15 PM |
| fairhelper | $25.00 | $25.00 | 10/27/2010 4:08:21 PM |
| new-social-economist | $80.00 | $80.00 | 10/27/2010 4:08:44 PM |
| all_of_that_one | $45.00 | $45.00 | 10/27/2010 3:58:50 PM |
| cybernosha | $25.00 | $25.00 | 10/27/2010 4:11:47 PM |
| mistertao | $25.00 | $25.00 | 10/27/2010 4:11:58 PM |
| nestegg4e | $25.00 | $25.00 | 10/27/2010 4:12:04 PM |
| gustavzantanon | $50.00 | $50.00 | 10/27/2010 4:12:14 PM |
| numitor | $50.00 | $50.00 | 10/27/2010 4:12:35 PM |
| selfmademan | $25.00 | $25.00 | 10/27/2010 4:12:50 PM |
| equitable-yield4 | $25.00 | $25.00 | 10/27/2010 4:13:35 PM |
| point-xylophone | $25.00 | $25.00 | 10/27/2010 4:16:26 PM |
| julsal | $50.00 | $50.00 | 10/27/2010 4:11:49 PM |
| cospilot | $25.00 | $25.00 | 10/27/2010 4:12:02 PM |
| well-mannered-marketplace5 | $25.00 | $25.00 | 10/27/2010 4:12:16 PM |
| rupee-artisan | $25.00 | $25.00 | 10/27/2010 4:12:38 PM |
| Rob717171 | $25.00 | $25.00 | 10/27/2010 4:12:53 PM |
| fundenstein | $25.00 | $25.00 | 10/27/2010 4:12:57 PM |
| asmithj | $50.00 | $50.00 | 10/27/2010 4:13:20 PM |
| money-yeller | $25.00 | $25.00 | 10/27/2010 4:13:33 PM |
| tech310 | $50.00 | $50.00 | 10/27/2010 4:27:42 PM |
| nickel-position | $25.00 | $25.00 | 10/27/2010 5:14:05 PM |
| bold-dynamic-silver | $25.00 | $25.00 | 10/27/2010 6:35:57 PM |
| nickel-universe2 | $25.00 | $25.00 | 10/27/2010 4:58:13 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/27/2010 5:47:29 PM |
| JackinGreen | $50.00 | $50.00 | 10/27/2010 6:11:37 PM |
| Susie-Q | $25.00 | $25.00 | 10/27/2010 5:46:37 PM |
| SFBank | $300.00 | $300.00 | 10/27/2010 8:12:44 PM |
| mrladybug101 | $100.00 | $100.00 | 10/27/2010 6:42:24 PM |
| credit-missile | $25.00 | $25.00 | 10/28/2010 3:45:03 AM |
| mpatrick | $25.00 | $25.00 | 10/27/2010 8:03:46 PM |
| onecooldrink | $25.00 | $25.00 | 10/27/2010 10:56:53 PM |
| amlu1988 | $25.00 | $25.00 | 10/28/2010 7:56:19 AM |
| credit-missile | $25.00 | $25.00 | 10/28/2010 3:44:33 AM |
| credit-missile | $25.00 | $25.00 | 10/28/2010 3:55:45 AM |
| leverage-monger | $25.00 | $25.00 | 10/28/2010 9:33:30 AM |
| draggon77 | $25.00 | $25.00 | 10/28/2010 3:11:17 AM |
| Leshan | $25.00 | $25.00 | 10/28/2010 8:18:24 AM |
| exciting-fairness | $200.00 | $200.00 | 10/28/2010 9:05:06 AM |
| enriching-payout | $25.00 | $25.00 | 10/28/2010 9:13:23 AM |
| 167 bids
|
Borrower Payment Dependent Notes Series
480115
This series of Notes was issued and sold upon the funding of the borrower loan #45148, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-22-2010 |
| |
Auction end date:
| Oct-29-2010 |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $259.62 |
|
Final lender yield:
| 13.90% |
Final borrower rate/APR:
| 14.90% / 17.07% |
Final monthly payment:
| $259.62 |
| |
|
Auction yield range:
| 5.71% - 13.90% |
Estimated loss impact:
| 6.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
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-2000 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,342 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 15% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| discrete-value391 |
Borrower's state:
| SouthCarolina |
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
to fix major repairs
I am in need of funding to repair three vehicles that has been long over-due. One needs a new engine with other repairs. The second needs transmission and heater coil. The third, electrical work.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Weaverville | $50.00 | $50.00 | 10/22/2010 2:29:33 PM |
| williemc44 | $50.00 | $50.00 | 10/22/2010 2:36:06 PM |
| selector568 | $300.00 | $300.00 | 10/22/2010 2:31:54 PM |
| GElender | $50.00 | $50.00 | 10/22/2010 2:33:59 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/22/2010 2:39:47 PM |
| jazzlender | $50.00 | $50.00 | 10/22/2010 2:39:19 PM |
| ray1051 | $25.00 | $25.00 | 10/22/2010 2:37:47 PM |
| reward-tsunami7 | $50.00 | $50.00 | 10/22/2010 2:38:35 PM |
| BxRealtor | $25.00 | $25.00 | 10/22/2010 2:43:26 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/22/2010 2:46:24 PM |
| rescue | $100.00 | $100.00 | 10/22/2010 4:26:39 PM |
| hannibal720 | $25.00 | $25.00 | 10/23/2010 6:18:48 AM |
| deal-vibrato | $50.00 | $50.00 | 10/23/2010 12:15:35 PM |
| tenacious-compassion9 | $25.00 | $25.00 | 10/24/2010 11:16:22 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/24/2010 1:31:06 PM |
| tntmojave | $25.00 | $25.00 | 10/25/2010 5:45:18 AM |
| Panna | $25.00 | $25.00 | 10/24/2010 10:33:59 PM |
| GCInvestments | $25.00 | $25.00 | 10/25/2010 10:17:02 AM |
| gracej | $25.00 | $25.00 | 10/25/2010 11:49:49 AM |
| rapid-credit428 | $25.00 | $25.00 | 10/25/2010 10:42:13 AM |
| a-finance-nirvana | $25.00 | $25.00 | 10/25/2010 2:16:55 PM |
| 1SteelerFan | $30.00 | $30.00 | 10/25/2010 3:13:32 PM |
| larrybird | $150.00 | $150.00 | 10/25/2010 4:11:58 PM |
| nickel-hickory | $25.00 | $25.00 | 10/25/2010 4:24:37 PM |
| radforj22 | $25.00 | $25.00 | 10/25/2010 6:28:55 PM |
| dajen1 | $40.00 | $40.00 | 10/26/2010 10:42:40 AM |
| KileNSmyth4 | $80.00 | $80.00 | 10/26/2010 9:46:09 AM |
| zeelender | $25.00 | $25.00 | 10/26/2010 3:01:53 PM |
| patriot897 | $25.00 | $25.00 | 10/26/2010 4:53:19 PM |
| shmb6508 | $50.00 | $50.00 | 10/26/2010 6:38:31 PM |
| Tradesmanlender | $35.00 | $35.00 | 10/26/2010 6:05:24 PM |
| chlebie | $28.74 | $28.74 | 10/26/2010 6:21:54 PM |
| The_Secret | $25.00 | $25.00 | 10/26/2010 6:16:41 PM |
| enthralling-deal180 | $50.00 | $50.00 | 10/27/2010 4:37:02 AM |
| EvalCrux | $26.05 | $26.05 | 10/27/2010 1:59:54 AM |
| brother_tam | $35.00 | $35.00 | 10/27/2010 2:50:48 AM |
| lagnisiruk | $25.00 | $25.00 | 10/27/2010 9:08:37 AM |
| iamricher | $25.00 | $25.00 | 10/27/2010 9:54:03 AM |
| galvatron | $50.00 | $50.00 | 10/27/2010 9:57:02 AM |
| first-restless-payout | $50.00 | $50.00 | 10/27/2010 11:07:18 AM |
| julijask | $35.00 | $35.00 | 10/27/2010 9:24:18 AM |
| cathexis | $50.00 | $50.00 | 10/27/2010 12:53:22 PM |
| bambampk | $25.00 | $25.00 | 10/27/2010 1:57:45 PM |
| silver-armada | $50.00 | $50.00 | 10/27/2010 1:58:18 PM |
| fireboss | $50.00 | $50.00 | 10/27/2010 1:34:41 PM |
| organized-payment6 | $25.00 | $25.00 | 10/27/2010 2:26:38 PM |
| economy-orchid | $25.00 | $25.00 | 10/27/2010 4:01:13 PM |
| nakane66 | $50.00 | $50.00 | 10/27/2010 4:01:22 PM |
| Pacific-Bank | $50.00 | $50.00 | 10/27/2010 4:03:36 PM |
| happyinvallarta | $50.00 | $50.00 | 10/27/2010 4:25:51 PM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/27/2010 4:26:29 PM |
| mmckune | $25.00 | $25.00 | 10/27/2010 4:26:51 PM |
| nycfinance | $25.00 | $25.00 | 10/27/2010 4:29:16 PM |
| svandgts | $25.00 | $25.00 | 10/27/2010 4:32:36 PM |
| ptjg | $50.00 | $50.00 | 10/27/2010 4:16:47 PM |
| hrubinst | $41.85 | $41.85 | 10/27/2010 4:26:56 PM |
| benefit-piano5 | $25.00 | $25.00 | 10/27/2010 4:31:35 PM |
| lovely-order7 | $25.00 | $25.00 | 10/27/2010 4:24:59 PM |
| CAGE-Investments | $25.00 | $25.00 | 10/27/2010 4:27:14 PM |
| kanewna | $50.00 | $50.00 | 10/27/2010 4:53:19 PM |
| Warwick | $50.00 | $50.00 | 10/27/2010 4:31:53 PM |
| SafeSaxa | $30.00 | $30.00 | 10/27/2010 4:53:27 PM |
| contract-boomerang | $25.00 | $25.00 | 10/27/2010 7:20:45 PM |
| efficient-treasure0 | $25.00 | $25.00 | 10/27/2010 7:59:58 PM |
| money-bauble | $100.00 | $100.00 | 10/27/2010 5:01:22 PM |
| Comoparklender | $25.00 | $25.00 | 10/27/2010 5:02:20 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 10/27/2010 6:31:12 PM |
| bold-punctual-wampum | $46.96 | $46.96 | 10/27/2010 10:11:04 PM |
| friendly-market5 | $30.00 | $30.00 | 10/27/2010 6:09:22 PM |
| worthy-truth | $25.00 | $25.00 | 10/27/2010 6:31:14 PM |
| adir1 | $25.00 | $25.00 | 10/27/2010 8:39:22 PM |
| kenji4861 | $25.00 | $25.00 | 10/27/2010 7:35:50 PM |
| investment-comet | $25.00 | $25.00 | 10/27/2010 9:45:05 PM |
| njlom | $48.00 | $48.00 | 10/27/2010 7:54:54 PM |
| nalaari | $25.00 | $25.00 | 10/27/2010 11:22:54 PM |
| Lender0307 | $25.00 | $25.00 | 10/27/2010 10:16:42 PM |
| BR-549 | $25.00 | $25.00 | 10/28/2010 4:25:37 AM |
| cberthiaume | $25.00 | $25.00 | 10/28/2010 7:10:44 AM |
| wise-silver-wonder | $25.00 | $25.00 | 10/28/2010 10:36:46 AM |
| McRowdy | $25.00 | $25.00 | 10/28/2010 8:02:04 AM |
| loyalty-sherpa | $50.00 | $50.00 | 10/28/2010 9:39:55 AM |
| donmacprosper | $25.00 | $25.00 | 10/28/2010 10:40:47 AM |
| LMM1 | $25.00 | $25.00 | 10/28/2010 10:36:00 AM |
| dinero-festivity2 | $50.00 | $50.00 | 10/28/2010 2:16:21 PM |
| narblark | $50.00 | $50.00 | 10/28/2010 11:31:21 AM |
| Kessler | $28.00 | $28.00 | 10/28/2010 11:32:04 AM |
| rdrloan | $50.00 | $50.00 | 10/28/2010 2:22:24 PM |
| kaykarun | $25.00 | $25.00 | 10/28/2010 2:20:18 PM |
| DeutscheBank | $25.00 | $25.00 | 10/28/2010 2:22:56 PM |
| rbettenc | $31.61 | $31.61 | 10/28/2010 2:24:56 PM |
| aggresive-loyalty | $32.00 | $32.00 | 10/28/2010 2:25:00 PM |
| UncleSafety | $53.80 | $53.80 | 10/28/2010 3:23:01 PM |
| wise-balanced-moola | $25.00 | $25.00 | 10/28/2010 7:31:14 PM |
| authoritative-loot | $25.00 | $25.00 | 10/28/2010 11:30:57 PM |
| fascinating-gold | $76.78 | $76.78 | 10/28/2010 8:09:46 PM |
| ogmanny | $50.00 | $50.00 | 10/22/2010 2:37:29 PM |
| mjunlimited | $50.00 | $50.00 | 10/22/2010 2:37:59 PM |
| teller | $50.00 | $50.00 | 10/22/2010 2:37:41 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/22/2010 2:38:43 PM |
| the-money-position | $50.00 | $50.00 | 10/22/2010 2:42:22 PM |
| graceful-investment | $100.00 | $100.00 | 10/22/2010 3:57:10 PM |
| studious-bonus7 | $25.00 | $25.00 | 10/22/2010 4:42:38 PM |
| DasMula | $25.00 | $25.00 | 10/22/2010 7:24:15 PM |
| thrifty-peso | $25.00 | $25.00 | 10/22/2010 8:02:07 PM |
| skuba | $25.00 | $25.00 | 10/23/2010 5:03:31 AM |
| bountiful-durability | $100.00 | $100.00 | 10/23/2010 6:42:45 AM |
| alpinaut | $25.00 | $25.00 | 10/23/2010 2:57:00 PM |
| unforgettable-order9 | $50.00 | $50.00 | 10/24/2010 8:12:47 AM |
| TrustPlus | $50.00 | $50.00 | 10/24/2010 3:21:52 PM |
| vegibenz | $25.00 | $25.00 | 10/24/2010 11:55:39 AM |
| OrcaFIN | $25.00 | $25.00 | 10/24/2010 8:34:00 PM |
| handshake5 | $100.00 | $100.00 | 10/24/2010 10:48:22 PM |
| exchange-battalion | $30.00 | $30.00 | 10/24/2010 11:19:15 PM |
| loyalist1 | $30.56 | $30.56 | 10/25/2010 7:51:45 AM |
| unassassinable | $25.00 | $25.00 | 10/25/2010 9:06:54 AM |
| important-ore | $100.00 | $100.00 | 10/25/2010 10:43:48 AM |
| point-kitten6 | $50.00 | $50.00 | 10/25/2010 9:58:21 AM |
| FadSaolAgat | $50.00 | $50.00 | 10/25/2010 10:42:08 AM |
| Garnet123 | $25.00 | $25.00 | 10/25/2010 8:10:38 PM |
| Fiimg | $50.00 | $50.00 | 10/26/2010 4:57:46 AM |
| museic1 | $25.00 | $25.00 | 10/26/2010 7:53:45 AM |
| ti22ring | $25.00 | $25.00 | 10/26/2010 10:27:07 AM |
| mla | $25.00 | $25.00 | 10/26/2010 2:50:44 PM |
| blissful-exchange4 | $25.00 | $25.00 | 10/26/2010 4:09:29 PM |
| bonus-maximizer919 | $50.00 | $50.00 | 10/26/2010 4:56:57 PM |
| Banker7371 | $25.00 | $25.00 | 10/26/2010 5:07:30 PM |
| life-is-great | $35.12 | $35.12 | 10/26/2010 6:04:21 PM |
| psa1995 | $50.00 | $50.00 | 10/26/2010 6:02:56 PM |
| Vegas777 | $25.00 | $25.00 | 10/26/2010 6:22:15 PM |
| Mark0135 | $34.08 | $34.08 | 10/26/2010 6:22:20 PM |
| the-debt-fluffy-bunny | $25.00 | $25.00 | 10/26/2010 6:04:33 PM |
| cybernosha | $25.00 | $25.00 | 10/26/2010 6:22:03 PM |
| silver-baby | $25.00 | $25.00 | 10/26/2010 6:34:59 PM |
| SelectTrustLending | $25.00 | $25.00 | 10/26/2010 10:01:45 PM |
| jdwillcox | $100.00 | $100.00 | 10/26/2010 9:11:17 PM |
| subtle-revenue0 | $25.00 | $25.00 | 10/27/2010 5:16:16 AM |
| indomitable-coin | $50.00 | $50.00 | 10/27/2010 8:40:44 AM |
| intuitive-bill | $25.00 | $25.00 | 10/27/2010 9:08:01 AM |
| B-rad_the_Coug | $25.00 | $25.00 | 10/27/2010 1:11:00 PM |
| suave-dime6 | $25.00 | $25.00 | 10/27/2010 1:11:44 PM |
| ladderskibum | $25.00 | $25.00 | 10/27/2010 3:14:17 PM |
| Wilcat77 | $50.00 | $50.00 | 10/27/2010 4:04:10 PM |
| lostontheedge | $25.00 | $25.00 | 10/27/2010 4:01:55 PM |
| kmwvma | $25.00 | $25.00 | 10/27/2010 4:23:25 PM |
| lovely-benefit7 | $25.00 | $25.00 | 10/27/2010 4:04:18 PM |
| kelseyshea | $25.00 | $25.00 | 10/27/2010 4:23:28 PM |
| justice-dna | $25.00 | $25.00 | 10/27/2010 4:04:27 PM |
| looking2help | $25.00 | $25.00 | 10/27/2010 4:24:54 PM |
| MutuallyBeneficial | $50.00 | $50.00 | 10/27/2010 4:26:25 PM |
| ClearLake | $25.00 | $25.00 | 10/27/2010 4:26:48 PM |
| devoider | $25.00 | $25.00 | 10/27/2010 4:23:31 PM |
| vigorous-note | $50.00 | $50.00 | 10/27/2010 5:06:16 PM |
| chemistry220 | $50.00 | $50.00 | 10/27/2010 4:26:34 PM |
| rakstar | $25.00 | $25.00 | 10/27/2010 5:06:34 PM |
| discrete-asset | $25.00 | $25.00 | 10/27/2010 5:06:23 PM |
| Cheburashka | $25.00 | $25.00 | 10/27/2010 5:21:09 PM |
| beachbum22 | $25.00 | $25.00 | 10/27/2010 7:59:47 PM |
| Phantom99 | $25.00 | $25.00 | 10/27/2010 5:01:44 PM |
| NewOrleans2012 | $25.00 | $25.00 | 10/27/2010 8:16:19 PM |
| orderly-leverage | $25.00 | $25.00 | 10/27/2010 6:31:17 PM |
| impartial-deal | $25.00 | $25.00 | 10/27/2010 7:35:48 PM |
| brazilofmux | $100.00 | $100.00 | 10/27/2010 7:04:22 PM |
| Ivan2007 | $31.90 | $31.90 | 10/27/2010 7:12:24 PM |
| nickel-ferret | $50.00 | $50.00 | 10/27/2010 10:11:08 PM |
| bold-shrewd-duty | $46.96 | $46.96 | 10/27/2010 8:47:15 PM |
| listing-meridian | $50.00 | $50.00 | 10/28/2010 2:43:52 AM |
| brightest-dynamic-peace | $25.00 | $25.00 | 10/27/2010 10:43:18 PM |
| careful-money2 | $25.00 | $25.00 | 10/28/2010 9:51:18 AM |
| calinno2 | $30.09 | $30.09 | 10/28/2010 7:08:54 AM |
| 108lender | $100.00 | $100.00 | 10/28/2010 10:26:28 AM |
| herbyman | $50.00 | $50.00 | 10/28/2010 7:40:56 AM |
| Money4Friends | $25.00 | $25.00 | 10/28/2010 9:37:57 AM |
| trade-beeper3 | $25.00 | $25.00 | 10/28/2010 1:47:14 PM |
| bomdel | $25.00 | $25.00 | 10/28/2010 1:50:23 PM |
| littlemonkey | $25.00 | $25.00 | 10/28/2010 2:17:11 PM |
| lively-hope28 | $50.00 | $50.00 | 10/28/2010 2:21:17 PM |
| HeroJason86 | $25.00 | $25.00 | 10/28/2010 11:26:14 AM |
| natural-note | $50.00 | $50.00 | 10/28/2010 10:50:57 AM |
| doncm | $41.19 | $41.19 | 10/28/2010 12:27:00 PM |
| aha6297 | $25.00 | $25.00 | 10/28/2010 11:56:05 AM |
| bright-investment | $25.00 | $25.00 | 10/28/2010 1:22:11 PM |
| DeltaComputerGuy | $25.00 | $25.00 | 10/28/2010 2:16:02 PM |
| pwkpwk | $25.00 | $25.00 | 10/28/2010 2:16:32 PM |
| ash135 | $25.00 | $25.00 | 10/28/2010 2:22:08 PM |
| anyoi | $36.40 | $36.40 | 10/28/2010 2:18:31 PM |
| bugleusmc | $25.00 | $25.00 | 10/28/2010 2:19:15 PM |
| Dairyboy | $38.63 | $37.64 | 10/28/2010 2:25:02 PM |
| ctron | $25.00 | $25.00 | 10/28/2010 2:25:05 PM |
| dollar-spy | $25.00 | $25.00 | 10/28/2010 2:22:19 PM |
| designs626 | $50.00 | $50.00 | 10/28/2010 2:22:27 PM |
| broker558 | $25.00 | $25.00 | 10/28/2010 4:32:47 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/28/2010 4:05:31 PM |
| enchanted-reward1 | $67.27 | $67.27 | 10/28/2010 6:59:48 PM |
| 193 bids
|
Borrower Payment Dependent Notes Series
481115
This series of Notes was issued and sold upon the funding of the borrower loan #45137, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Oct-25-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $314.08 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $314.08 |
| |
|
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):
| 5 |
First credit line:
| Jul-2006 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,688 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| integrity-wind |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Health Biz Legal + Webdesign $
Purpose of loan:
I am the Founder of EZUltrasound LLC and this loan will be used for $2000 in legal consulting & research fees to ensure we are complying with all FDA & state regulations governing the sale of prescription-only medical devices. We'd like to grow into the market of professional ultrasound machines to complement our home ultrasound devices for pain relief. The remaining $5000 will be used for a custom web design for our site www.EZUltrasound.com. Surveys state that 65% of Internet users won't patronize a poorly designed site, so an updated look will be a great investment for our business.
My financial situation:
I am a good candidate for this loan because I have a solid credit record, have never missed a credit payment nor ever incurred any interest on my credit cards (paying in full each month).
The home rehabilitation & health care industries are expanding rapidly right now and my business, EZUltrasound LLC, is poised for rapid growth! The home ultrasound therapy machines that our business supplies are on the cutting-edge, marketing to the rising-trend of self-aware Americans taking their personal health care and well-being into their own hands.
I have a more detailed pitch & information prepared - ask a question about it & I'll be able to post it!
Monthly net income: $4,500-5,500
Monthly expenses: $1771.77
??Housing: $500
??Insurance: $260.58
??Car expenses: $241.19
??Utilities: $0
??Phone, cable, internet: $55.00
??Food, entertainment: $450
??Clothing, household expenses $100 ????
??Credit cards and other loans: $65 (student loans from federal government)
??Other expenses: $50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I checked out your website and it looks very intriguing. I have a few questions about your business. However, Prosper limits me to 250 words, so I will have to ask my questions in a number of messages. First, how long have you been in business? - orange-impartial-asset
A:
I started EZUltrasound.com as a college sophomore in Nov. 2007, selling ultrasound machines online. I graduated with Honors from Goucher College this past June receiving my B.A. in Biology & I infuse my passion for science into my business. I lead thorough scientific analyses of all the ultrasound products we sell through EZUltrasound LLC to ensure that we provide only the best, most effective therapeutic items.
Also, as an aside, all of my family is from PA so cannot invest on Prosper.com.
(Oct-27-2010)
Q:
Are the $2000 for legal and research and $5000 for website design actual quoted costs by the professionals you wish to employ? That is all of my questions. Thank you for your patience. - orange-impartial-asset
A:
My legal contact with the FDA has a $195 per hour fee and quoted my research project at 10-12 hours as an estimate. The hosting & ecommerce software provider for my website is Network Solutions. Their packages for custom ecommerce design start at $3,499 but based on the specific features we?ll need, I was quoted at an ~$4500 estimate for the design. Since Prosper takes 1%, I rounded the $ amount up to be on the safe side & leave some buffer room in case the projects run over.
(Oct-27-2010)
Q:
What happens if legal and research determine you are not in line with FDA regulations? Have you factored in the potential for additional costs?Does any of your revenue come from insurance, medicare, or medicaid? If so, what % if from each source? - orange-impartial-asset
A:
Again, if you could post these as individual questions so that I can answer each of them fully, that would be great. I know its a pain but I just don't have enough characters to answer all of them in one post. Thanks!
(Oct-27-2010)
Q:
I apologize for the inconvenience, but Prosper will not let me view messages I have sent. I think I sent you one other message with a number of questions. Can you please respond to that so that I can see the questions? Thank you! - orange-impartial-asset
A:
Sorry, yes ? you asked a question about net revenue & income, as well as a few others. I had replied to that question, but Prosper must not have posted my reply. Strange. Please check the Q&A section of this listing now and you?ll see my reply. Thanks!
(Oct-28-2010)
Q:
What was your revenue and net income for 2009 and year-to-date 2010? Who are your typical customers? How do people hear about your product and your company? How much inventory do you keep on hand? - orange-impartial-asset
A:
Please post as ind ?s. Net Revenue 2009: $152,857.54 - Net Income 2009: $41,434.13 - Net Revenue year-to-date (up to Sept ?10): $128,984.04 - Net Income year-to-date: $43,307.63. Our biggest sales months are approaching (Oct, Nov & Dec) & we anticipate a 2010 net income of ~$55,000, ~32.7% growth since 2009. (42.52% growth from 2008 to 2009!) Introducing Rx-only medical devices, will enable us to market directly to medical professionals, possibly doubling or even tripling our income & revenue.
(Oct-28-2010)
Q:
Does any of your revenue come from insurance, medicare, or medicaid? If so, what % if from each source? - orange-impartial-asset
A:
No, we do not take any insurance, medicare or medicaid, so none of our revenue is derived from these sources. Most insurances do not cover our home ultrasound machines. We can always provide the customer with a receipt to submit to their insurance company for reimbursement, but that's the extent to which we deal with medical insurance.
(Oct-28-2010)
Q:
I did not realize Prosper limited the length of your response. Sorry about that. What happens if legal and research determine you are not in line with FDA regulations? Have you factored in the potential for additional costs? - orange-impartial-asset
A:
I must clarify here. We currently are in line with all FDA regulations because we are only carrying home, 1Mhz, pulsed ultrasound devices, not professional continuous wave ultrasound machines. We have the unique opportunity to be the first to sell NanoVibronix's PainShield, a wearable low-frequency ultrasound device that cures all types pain, to the US market (ask ? for more info). But it is Rx-only. So before we can sell it, we need to consult with a lawyer on how to proper handle the Rx's.
(Oct-28-2010)
Q:
How much inventory do you keep on hand? - orange-impartial-asset
A:
EZUltrasound LLC is registered in PA and our products are stored at our warehouse in SD. We sell ~350-450 ultrasound machines & ~500 bottles of ultrasound gel a month. Generally we only keep about half (200 machines & bottles of gel) on hand at any time & based on our sales, continually re-order throughout the month from our US suppliers.
(Oct-29-2010)
Q:
How do people hear about your product and your company? - orange-impartial-asset
A:
We sell our products on eBay & Amazon, as well as EZUltrasound.com. We run targeted Google PPC ads. We write press releases & answer forum questions. We advertise through StumbleUpon & Facebook. We have use social media marketing and have a loyal following via our Faceobok Fan Page, Twitter & blog. Almost 40% of our orders are word-of-mouth referrals. In addition, I do all our website's search engine optimization (SEO) to ensure we're ranking high in the search engines for our target keywords.
(Oct-29-2010)
Q:
Thanks for your listing and very thorough answers. Could you confirm you are personally committed to repaying this loan, regardless of the success of your businness (which I hope succeeds, congratulations on a great start)? - _NaLNaBB
A:
You are most welcome. And yes, I am 100% committed to repaying this loan regardless whether my business succeeds or not. From what I understand, Prosper is a very safe place for both lenders and borrowers - there is no question that I will repay this loan. I have thousands in stocks & a Roth IRA that I would sell in a heartbeat to repay this loan if the business fell through for some reason. Honesty is one of EZUltrasound's core values and I will always uphold my obligations.
(Oct-30-2010)
Q:
What happens when the onerous regulations from Obamacare go into effect or if very few people have private health insurance? Are you able to make a living off the gov reimbursement rates for programs such as medicare? - fillholdingsllc
A:
Please see above ?s on insurance/ medicare & prescriptions. Recap: We don't take any insurance or medicare. "Obamacare" either won't affect us or will further increase our sales. With the '08 economic plunge & people losing jobs & health insurance, our sales skyrocketed with people buying our non-Rx ultrasound machines. We'll be increasing our revenue further by expanding into the sale of Rx-only devices to medical professionals & individuals who do have insurance.
(Oct-30-2010)
Q:
Hi,
How many employees do you have, and how much is the total monthly employee's salaries (including yours)?
If the sales in this winter does not meet your expectation, can you afford to repay this loan? Is this business your sole income source - p2ploan-sensation211
A:
I am the sole proprietor of EZUltrasound LLC. We utilize a fulfillment service, One World Direct, and I oversee the fulfillment & customer service center operators, as well as marketing team (eLance freelancers) & I collaborate via joint venture with a number of chiros & PTs. However, I do not directly employ any of these persons. EZUltrasound is not set up to pay me a set monthly salary. The business is my main source of income + savings & stocks interest. Re-post unanswered ?s please.
(Oct-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radiant-loan5 | $200.00 | $200.00 | 10/25/2010 3:24:58 PM |
| ritchie70 | $25.00 | $25.00 | 10/25/2010 3:23:08 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/25/2010 3:31:06 PM |
| suave-dime6 | $25.00 | $25.00 | 10/26/2010 6:03:41 PM |
| shmb6508 | $36.41 | $36.41 | 10/27/2010 3:55:30 PM |
| skuba | $25.00 | $25.00 | 10/27/2010 4:24:21 PM |
| money-bauble | $50.00 | $50.00 | 10/27/2010 4:19:53 PM |
| teller | $50.00 | $50.00 | 10/27/2010 4:23:43 PM |
| compassion-accelerator | $25.00 | $25.00 | 10/27/2010 9:09:41 PM |
| greenback-guard | $25.00 | $25.00 | 10/28/2010 2:38:03 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:04:51 PM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:43:32 AM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 9:32:19 AM |
| shrewd-peace7 | $25.00 | $25.00 | 10/29/2010 2:32:51 PM |
| greenback-guard | $25.00 | $25.00 | 10/29/2010 3:09:23 PM |
| ore-dojo | $25.00 | $25.00 | 10/29/2010 8:48:18 PM |
| credit-coach118 | $25.00 | $25.00 | 10/30/2010 12:54:06 PM |
| enforcer0 | $29.02 | $29.02 | 10/31/2010 4:06:59 AM |
| bid-treaty | $72.00 | $72.00 | 10/31/2010 6:15:08 AM |
| gain-implementer | $250.00 | $250.00 | 10/30/2010 3:55:22 PM |
| gain-implementer | $500.00 | $500.00 | 10/30/2010 3:52:17 PM |
| kind-elevated-market | $25.00 | $25.00 | 10/30/2010 5:13:21 PM |
| Frosty | $33.00 | $33.00 | 10/30/2010 5:45:36 PM |
| Rip128 | $75.00 | $75.00 | 10/31/2010 2:21:03 PM |
| Rulea72 | $59.00 | $59.00 | 10/31/2010 7:55:38 AM |
| Bob450 | $25.00 | $25.00 | 10/31/2010 8:57:02 PM |
| courteous-kindness1 | $50.00 | $50.00 | 10/31/2010 1:42:00 PM |
| Wyatte | $25.00 | $25.00 | 10/31/2010 9:55:23 PM |
| WMY-Investor | $100.00 | $100.00 | 10/31/2010 3:09:11 PM |
| loss-of-control | $25.00 | $25.00 | 10/31/2010 2:57:31 PM |
| finance-solo | $50.00 | $50.00 | 10/31/2010 6:00:17 PM |
| DasMula | $100.00 | $100.00 | 11/1/2010 9:34:31 AM |
| Zipcut | $25.00 | $25.00 | 11/1/2010 6:36:20 AM |
| Zipcut | $25.00 | $25.00 | 11/1/2010 6:36:56 AM |
| RickColo | $100.00 | $100.00 | 11/1/2010 10:12:12 AM |
| dws2380 | $25.00 | $25.00 | 11/1/2010 8:56:54 AM |
| DasMula | $100.00 | $100.00 | 11/1/2010 9:34:56 AM |
| DasMula | $100.00 | $100.00 | 11/1/2010 9:36:14 AM |
| DasMula | $100.00 | $100.00 | 11/1/2010 11:57:20 AM |
| tacopants | $100.00 | $100.00 | 11/1/2010 12:31:13 PM |
| DasMula | $100.00 | $100.00 | 11/1/2010 9:35:52 AM |
| branaa99 | $25.00 | $25.00 | 11/1/2010 10:19:33 AM |
| ArnoTemplar | $48.10 | $48.10 | 11/1/2010 10:24:00 AM |
| brainy-deal | $25.00 | $25.00 | 11/1/2010 10:36:12 AM |
| credit-elation1 | $25.00 | $25.00 | 11/1/2010 10:50:43 AM |
| income-rocker2 | $50.00 | $50.00 | 11/1/2010 11:09:33 AM |
| rockhound84 | $100.00 | $100.00 | 11/1/2010 1:05:50 PM |
| worldly-gold | $100.00 | $100.00 | 11/1/2010 1:43:51 PM |
| moola-monger9 | $50.00 | $50.00 | 11/1/2010 2:12:05 PM |
| Bob450 | $25.00 | $25.00 | 11/1/2010 2:04:54 PM |
| handshake5 | $100.00 | $100.00 | 10/25/2010 3:27:27 PM |
| bid-czar8 | $25.00 | $25.00 | 10/25/2010 3:33:30 PM |
| inspiring-reward | $100.00 | $100.00 | 10/25/2010 4:34:40 PM |
| helping-out | $25.00 | $25.00 | 10/25/2010 4:51:13 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/26/2010 10:56:27 AM |
| felicity-festival | $30.00 | $30.00 | 10/26/2010 6:16:18 PM |
| NoCal | $30.00 | $30.00 | 10/26/2010 7:50:12 PM |
| TakeCare | $50.00 | $50.00 | 10/27/2010 4:19:16 PM |
| musegaze | $100.00 | $100.00 | 10/27/2010 4:24:31 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/28/2010 10:39:12 AM |
| llennoc | $25.00 | $25.00 | 10/28/2010 5:29:17 PM |
| point-kitten6 | $50.00 | $50.00 | 10/29/2010 6:33:52 AM |
| orange-impartial-asset | $500.00 | $500.00 | 10/29/2010 7:50:16 AM |
| asiaratt | $50.00 | $50.00 | 10/29/2010 8:58:20 AM |
| sagan | $25.00 | $25.00 | 10/29/2010 9:47:32 AM |
| graceful-investment | $27.36 | $27.36 | 10/29/2010 2:32:38 PM |
| red-power-pecan | $50.00 | $6.31 | 10/29/2010 2:32:57 PM |
| Saleen06 | $25.00 | $25.00 | 10/29/2010 11:28:29 AM |
| saxaphone6 | $25.00 | $25.00 | 10/29/2010 12:31:07 PM |
| Sagenius | $25.00 | $25.00 | 10/29/2010 3:10:38 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/29/2010 4:18:03 PM |
| Easystreet | $25.00 | $25.00 | 10/29/2010 3:12:27 PM |
| power-secret-agent | $25.00 | $25.00 | 10/30/2010 2:20:53 AM |
| reflective-rupee | $33.00 | $33.00 | 10/29/2010 3:43:34 PM |
| abnvette | $25.00 | $25.00 | 10/30/2010 11:37:03 AM |
| wasaabi | $84.03 | $84.03 | 10/30/2010 8:04:48 AM |
| Bob450 | $30.00 | $30.00 | 10/30/2010 8:12:04 AM |
| _NaLNaBB | $500.00 | $500.00 | 10/30/2010 2:27:16 PM |
| draggon77 | $25.00 | $25.00 | 10/31/2010 1:46:10 AM |
| DHolly | $30.00 | $30.00 | 10/31/2010 7:00:45 AM |
| verdiprr | $100.00 | $100.00 | 10/31/2010 9:29:46 AM |
| well-mannered-income3 | $30.00 | $30.00 | 10/30/2010 4:40:34 PM |
| mason5 | $40.00 | $40.00 | 10/31/2010 1:02:27 PM |
| Tensleep | $252.60 | $252.60 | 10/30/2010 9:43:05 PM |
| RyanM561 | $25.00 | $25.00 | 10/31/2010 9:26:52 AM |
| Leshan | $100.00 | $100.00 | 10/31/2010 9:54:42 AM |
| finance-burger | $100.00 | $100.00 | 10/31/2010 9:22:24 PM |
| 1-HARD-HEAD | $25.00 | $25.00 | 10/31/2010 9:37:08 PM |
| 4DreamsGroup | $100.00 | $100.00 | 11/1/2010 7:01:07 AM |
| rockhound84 | $100.00 | $100.00 | 11/1/2010 9:13:36 AM |
| Vans1975 | $31.00 | $31.00 | 11/1/2010 5:36:22 AM |
| melito75 | $25.00 | $25.00 | 11/1/2010 5:57:08 AM |
| fairgirl | $25.00 | $25.00 | 11/1/2010 6:10:25 AM |
| Zipcut | $25.00 | $25.00 | 11/1/2010 6:36:38 AM |
| believe2succeed | $28.17 | $28.17 | 11/1/2010 6:45:15 AM |
| honey-money | $25.00 | $25.00 | 11/1/2010 4:41:49 AM |
| octoberfresh | $25.00 | $25.00 | 11/1/2010 7:08:26 AM |
| chrisb1414 | $25.00 | $25.00 | 11/1/2010 10:45:02 AM |
| Sugarmama21 | $50.00 | $50.00 | 11/1/2010 11:46:07 AM |
| DasMula | $100.00 | $100.00 | 11/1/2010 9:35:20 AM |
| DasMula | $100.00 | $100.00 | 11/1/2010 11:56:45 AM |
| DasMula | $100.00 | $100.00 | 11/1/2010 9:36:38 AM |
| green-transaction-charmer | $45.00 | $45.00 | 11/1/2010 10:22:39 AM |
| Lubava | $25.00 | $25.00 | 11/1/2010 2:13:09 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 11/1/2010 2:42:49 PM |
| newequity | $25.00 | $25.00 | 11/1/2010 2:04:34 PM |
| 106 bids
|
Borrower Payment Dependent Notes Series
481311
This series of Notes was issued and sold upon the funding of the borrower loan #45140, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-25-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 33.61% |
Starting monthly payment:
| $254.71 |
|
Final lender yield:
| 29.00% |
Final borrower rate/APR:
| 30.00% / 33.61% |
Final monthly payment:
| $254.71 |
| |
|
Auction yield range:
| 10.71% - 29.00% |
Estimated loss impact:
| 11.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,630 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unforgettable-treasure3 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Open Business - Kelz Hot Dogz
Purpose of loan:? This loan will be used to purchase a hot dog cart, equipment?and all necessary insurance, bonds and permits.?
My financial situation:? I am a hard worker and will do whatever it takes to make my business a success!? I have already paid for and passed my managers food handlers license.? I live in Arizona and we have?outdoor sports and festivals year round.?I have ties with baseball and soccer associations and have weekend tournaments lined up to work.??I will also be working weekdays,?I have written permission to park my cart in a warehouse area that provides plenty of?foot and vehicle traffic.?
Monthly net income:???Income goal?at $4000.00 to start off with.
Monthly expenses: $? My husband is the "bread winner" for our family and his income pays?our bills.? He is a?Design Engineer for?a large?corporation here in Arizona.? I put?him through?college working technical support and?after he graduated we moved here?&?I became a?"stay at home" mom for our 5 children.? Our third child just graduated from High School which means?another kid?with college expenses. ?I have always done?home businesses or contract work, but?I want to start this business without dipping into the family income and make it a success.??I would like to build my own credit?& income that shows without having to rely on my husbands income.?
My husband has been?with the same corp for over 16 years?&?brings home $8100.00 a month.??
??Housing: $ 2100.00
??Insurance: $ 310.00 insurance on 4?vehicles
??Car expenses: $ 600.00, Gas/Maint $600.00
??Utilities: $ electric $300? Water/Gargbage $80.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 1000.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 900.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Do you have a good location to start your business? - dime-futurist
A:
Yes, I do. I actually have 2 that I already have written permission for. The first is on McQeen/Guadalupe (incase you are familiar with Gilbert) There are enough warehouses along with foot traffic that I believe this will work. I also have a site in Mesa just a road from Gilbert by a golf coarse and smoke shop. Along with that, I have a baseball tournament over Thanksgiving weekend and one in Jan. that I get as long as I get everything setup.
(Oct-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Katburg | $25.00 | $25.00 | 10/25/2010 3:17:27 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/25/2010 3:28:13 PM |
| orange-influential-credit | $54.00 | $54.00 | 10/25/2010 3:17:53 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/25/2010 3:32:23 PM |
| courteous-kindness1 | $50.00 | $50.00 | 10/25/2010 3:41:07 PM |
| Interstate_Rate | $25.00 | $25.00 | 10/25/2010 4:57:26 PM |
| successful-agreement7 | $66.95 | $66.95 | 10/25/2010 7:39:58 PM |
| inspiring-reward | $69.35 | $69.35 | 10/26/2010 1:52:29 PM |
| loyalist1 | $50.00 | $50.00 | 10/26/2010 4:02:19 PM |
| all_of_that_one | $40.00 | $40.00 | 10/27/2010 4:01:02 PM |
| NoCal | $30.00 | $30.00 | 10/28/2010 10:37:54 AM |
| Artist_Blue | $25.00 | $25.00 | 10/28/2010 12:37:07 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:05:07 PM |
| shmb6508 | $50.00 | $50.00 | 10/29/2010 12:28:26 PM |
| teller | $50.00 | $50.00 | 10/29/2010 2:37:59 PM |
| musegaze | $100.00 | $100.00 | 10/29/2010 2:37:44 PM |
| skuba | $25.00 | $25.00 | 10/29/2010 2:38:05 PM |
| BR2006007 | $25.00 | $25.00 | 10/29/2010 2:56:43 PM |
| GElender | $50.00 | $50.00 | 10/29/2010 3:51:41 PM |
| money-bauble | $25.00 | $25.00 | 10/29/2010 3:10:50 PM |
| credible-balance0 | $25.00 | $25.00 | 10/30/2010 9:18:49 AM |
| point-kitten6 | $50.00 | $50.00 | 10/30/2010 10:58:12 AM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:23:02 AM |
| dime-futurist | $250.00 | $250.00 | 10/31/2010 2:57:31 AM |
| kulender | $100.00 | $100.00 | 10/31/2010 8:17:27 AM |
| bigredbus | $50.00 | $50.00 | 10/31/2010 1:19:36 PM |
| escharfer | $25.00 | $25.00 | 10/31/2010 1:55:11 PM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:45:03 PM |
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 9:38:58 AM |
| worldly-gold | $75.00 | $75.00 | 11/1/2010 1:48:21 PM |
| Aristocrat | $25.00 | $25.00 | 11/1/2010 11:53:12 AM |
| anton | $3,500.00 | $2,855.20 | 11/1/2010 1:24:47 PM |
| jigsaw | $50.00 | $50.00 | 11/1/2010 2:14:29 PM |
| handshake5 | $100.00 | $100.00 | 10/25/2010 3:27:50 PM |
| bid-czar8 | $25.00 | $25.00 | 10/25/2010 4:34:08 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/25/2010 9:16:51 PM |
| nybanker85 | $39.27 | $39.27 | 10/26/2010 10:56:08 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/26/2010 5:14:38 PM |
| suave-dime6 | $25.00 | $25.00 | 10/26/2010 6:03:53 PM |
| market-cocktail | $25.00 | $25.00 | 10/28/2010 11:10:24 PM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:44:03 AM |
| sagan | $25.00 | $25.00 | 10/29/2010 9:47:49 AM |
| TakeCare | $60.00 | $60.00 | 10/29/2010 2:37:34 PM |
| Investoman | $25.00 | $25.00 | 10/29/2010 7:08:28 PM |
| asiaratt | $46.87 | $46.87 | 10/30/2010 10:31:37 AM |
| Comoparklender | $45.36 | $45.36 | 10/30/2010 10:44:35 AM |
| generous-deal6 | $25.00 | $25.00 | 10/30/2010 5:26:02 PM |
| momentous-value | $25.00 | $25.00 | 10/30/2010 11:48:03 AM |
| FinDoc | $30.00 | $30.00 | 10/30/2010 5:17:58 PM |
| saxaphone6 | $25.00 | $25.00 | 10/30/2010 9:46:21 PM |
| momoney2lend | $25.00 | $25.00 | 10/31/2010 1:18:42 PM |
| cropdust3r | $25.00 | $25.00 | 10/31/2010 11:08:23 AM |
| worthy-bid8 | $25.00 | $25.00 | 10/31/2010 3:08:06 PM |
| nickel-hickory | $50.00 | $50.00 | 10/31/2010 11:48:20 PM |
| orange-dollar-guild | $25.00 | $25.00 | 11/1/2010 6:59:05 AM |
| larrybird | $150.00 | $150.00 | 11/1/2010 11:41:55 AM |
| worthy-bid4 | $100.00 | $100.00 | 11/1/2010 9:28:25 AM |
| logical-investment4 | $25.00 | $25.00 | 11/1/2010 2:03:09 PM |
| randsenterprise | $25.00 | $25.00 | 11/1/2010 10:33:23 AM |
| TheAlchemist | $25.00 | $25.00 | 11/1/2010 12:23:54 PM |
| ultimate-peace | $25.00 | $25.00 | 11/1/2010 1:38:17 PM |
| reflective-rupee | $33.00 | $33.00 | 11/1/2010 1:37:49 PM |
| Bob450 | $30.00 | $30.00 | 11/1/2010 2:18:01 PM |
| 63 bids
|
Borrower Payment Dependent Notes Series
481415
This series of Notes was issued and sold upon the funding of the borrower loan #45154, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% |
Auction start date:
| Oct-25-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $240.95 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $240.95 |
| |
|
Auction yield range:
| 10.71% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Mar-2002 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,837 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| aschulle |
Borrower's state:
| Indiana |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 33 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Debt Consolidation (2nd loan here)
I'm consolidating some credit card debts that have a 29.99% interest rate. Any rate below that will save us money!
Please contact me for any further questions you might have.
Thanks!
PS: I have succesfully paid off a 3k US$ Prosper loan almost two years ago. Always paid on time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| handshake5 | $100.00 | $100.00 | 10/25/2010 3:27:55 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/25/2010 3:28:20 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/25/2010 3:32:27 PM |
| nybanker85 | $50.00 | $50.00 | 10/25/2010 4:11:47 PM |
| washboard1 | $50.00 | $50.00 | 10/25/2010 4:13:56 PM |
| Evan_Safe | $25.00 | $25.00 | 10/25/2010 4:06:51 PM |
| JustMee | $25.00 | $25.00 | 10/25/2010 6:17:09 PM |
| wyogirllender | $25.00 | $25.00 | 10/26/2010 11:03:04 AM |
| inspiring-reward | $100.00 | $100.00 | 10/26/2010 5:16:38 PM |
| suave-dime6 | $25.00 | $25.00 | 10/26/2010 6:03:57 PM |
| leverage-ectasy | $27.78 | $27.78 | 10/26/2010 11:13:16 PM |
| Moe87 | $25.00 | $25.00 | 10/27/2010 4:40:50 AM |
| frogperson | $400.00 | $400.00 | 10/26/2010 10:02:42 PM |
| reflective-rupee | $33.00 | $33.00 | 10/27/2010 3:29:04 PM |
| all_of_that_one | $40.00 | $40.00 | 10/27/2010 6:01:36 PM |
| kendigme | $29.70 | $29.70 | 10/28/2010 3:14:26 AM |
| Artist_Blue | $25.00 | $25.00 | 10/28/2010 12:36:51 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:05:12 PM |
| NoCal | $30.00 | $30.00 | 10/29/2010 10:38:54 AM |
| shmb6508 | $50.00 | $50.00 | 10/29/2010 2:34:47 PM |
| ChoiceInvestments | $25.00 | $25.00 | 10/29/2010 3:38:06 PM |
| TakeCare | $60.00 | $60.00 | 10/29/2010 3:12:45 PM |
| GElender | $50.00 | $50.00 | 10/29/2010 3:51:43 PM |
| skuba | $25.00 | $25.00 | 10/29/2010 3:13:04 PM |
| kendigme | $25.00 | $25.00 | 10/30/2010 6:39:25 AM |
| investment-artist | $25.00 | $25.00 | 10/30/2010 9:32:13 AM |
| smear87 | $25.00 | $25.00 | 10/30/2010 8:57:24 AM |
| ryan6853 | $25.00 | $25.00 | 10/30/2010 8:22:02 AM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:30:31 AM |
| investment-thinker4 | $25.00 | $25.00 | 10/30/2010 3:06:08 PM |
| generous-deal6 | $25.00 | $25.00 | 10/30/2010 5:26:04 PM |
| kulender | $100.00 | $100.00 | 10/31/2010 8:17:32 AM |
| Moe87 | $25.00 | $25.00 | 10/31/2010 3:31:50 PM |
| asiaratt | $50.00 | $50.00 | 11/1/2010 3:50:44 AM |
| vine99 | $50.00 | $50.00 | 10/31/2010 9:33:23 PM |
| Bob450 | $25.00 | $25.00 | 10/31/2010 10:46:19 PM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:44:52 PM |
| nickel-hickory | $50.00 | $50.00 | 10/31/2010 11:48:24 PM |
| orange-dollar-guild | $25.00 | $25.00 | 11/1/2010 6:59:09 AM |
| loss-of-control | $50.00 | $50.00 | 11/1/2010 11:15:57 AM |
| cropdust3r | $25.00 | $25.00 | 11/1/2010 8:28:31 AM |
| larrybird | $150.00 | $150.00 | 11/1/2010 11:42:02 AM |
| worldly-gold | $100.00 | $100.00 | 11/1/2010 1:52:49 PM |
| foldingbenny2 | $55.00 | $55.00 | 11/1/2010 10:47:07 AM |
| chrisb1414 | $25.00 | $25.00 | 11/1/2010 10:45:30 AM |
| CA_Lender | $25.00 | $25.00 | 11/1/2010 2:28:49 PM |
| friendinmoney | $25.00 | $25.00 | 11/1/2010 2:47:58 PM |
| Astyanax | $100.00 | $100.00 | 11/1/2010 11:51:46 AM |
| srthsvghdthtr | $25.00 | $25.00 | 11/1/2010 1:23:54 PM |
| Mocaba | $100.00 | $100.00 | 11/1/2010 2:53:31 PM |
| icon7 | $25.00 | $25.00 | 11/1/2010 2:53:54 PM |
| forthright-dedication | $31.99 | $31.99 | 10/25/2010 4:15:01 PM |
| balance-handshake7 | $25.00 | $25.00 | 10/25/2010 4:14:39 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/25/2010 4:18:32 PM |
| bid-czar8 | $25.00 | $25.00 | 10/25/2010 4:34:12 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/25/2010 4:39:14 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/25/2010 4:35:51 PM |
| Interstate_Rate | $50.00 | $50.00 | 10/25/2010 4:57:20 PM |
| rhightower003 | $25.00 | $25.00 | 10/26/2010 8:43:53 AM |
| MoneyForNothing | $31.31 | $31.31 | 10/26/2010 8:47:24 AM |
| desertoasis | $25.00 | $25.00 | 10/26/2010 10:27:17 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/26/2010 7:50:04 PM |
| NekHoldings | $25.00 | $25.00 | 10/27/2010 5:16:56 AM |
| patriot384 | $180.00 | $180.00 | 10/29/2010 5:51:55 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:44:08 AM |
| sagan | $25.00 | $25.00 | 10/29/2010 9:47:54 AM |
| wyogirllender | $25.00 | $25.00 | 10/29/2010 11:52:59 AM |
| musegaze | $100.00 | $100.00 | 10/29/2010 3:12:54 PM |
| money-bauble | $25.00 | $25.00 | 10/29/2010 5:56:24 PM |
| teller | $50.00 | $50.00 | 10/29/2010 3:13:01 PM |
| skillful-asset5 | $30.00 | $30.00 | 10/29/2010 6:39:20 PM |
| SolarMoonshine | $50.00 | $50.00 | 10/29/2010 4:21:06 PM |
| Investoman | $25.00 | $25.00 | 10/30/2010 8:27:01 AM |
| point-kitten6 | $50.00 | $50.00 | 10/31/2010 1:55:01 PM |
| Comoparklender | $50.00 | $50.00 | 10/31/2010 1:55:13 PM |
| loss-of-control | $100.00 | $100.00 | 10/31/2010 3:17:19 PM |
| loanasauras | $50.00 | $50.00 | 10/31/2010 5:35:55 PM |
| thatguyoverseas | $36.00 | $36.00 | 11/1/2010 6:42:01 AM |
| Bcs-cnc | $50.00 | $50.00 | 10/31/2010 8:22:10 PM |
| friendinmoney | $25.00 | $25.00 | 11/1/2010 8:59:47 AM |
| rockhound84 | $50.00 | $50.00 | 11/1/2010 9:16:56 AM |
| poetic-economy | $37.00 | $37.00 | 11/1/2010 8:26:57 AM |
| Rashanir | $25.00 | $25.00 | 11/1/2010 9:09:19 AM |
| worthy-bid4 | $100.00 | $100.00 | 11/1/2010 9:28:27 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 9:39:11 AM |
| favorite-commerce | $50.00 | $50.00 | 11/1/2010 1:12:32 PM |
| grampy48 | $40.00 | $40.00 | 11/1/2010 2:12:50 PM |
| rmpedi33 | $25.00 | $25.00 | 11/1/2010 11:27:21 AM |
| Aristocrat | $25.00 | $25.00 | 11/1/2010 11:53:14 AM |
| anton | $1,700.00 | $1,213.22 | 11/1/2010 1:21:29 PM |
| cashhelp | $50.00 | $50.00 | 11/1/2010 1:23:48 PM |
| ultimate-peace | $25.00 | $25.00 | 11/1/2010 1:30:56 PM |
| moola-monger9 | $50.00 | $50.00 | 11/1/2010 2:28:47 PM |
| coin-explorer | $25.00 | $25.00 | 11/1/2010 2:53:29 PM |
| 94 bids
|
Borrower Payment Dependent Notes Series
481485
This series of Notes was issued and sold upon the funding of the borrower loan #45166, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Oct-26-2010 |
| |
Auction end date:
| Nov-02-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 41.36% |
Final monthly payment:
| $45.24 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Mar-1998 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
13 | Length of status: | 7y 3m |
|
Amount delinquent:
| $489 |
Total credit lines:
| 25 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,646 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| joyful-power |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
pay off credit card debt
My financial situation:
I am a good candidate for this loan because?
I keep my promise to pay.
Monthly net income: $?6,500
Monthly expenses: $?6,100
??Housing: $
1,600
??Insurance: $
200
??Car expenses: $
0
??Utilities: $ 400
??Phone, cable, internet: $
200
??Food, entertainment: $
500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600
??Other expenses: $ 2400
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:
I'm brand spanking new at this--so maybe there is something I do not understand yet. The info provided by Prosper states you have a revolving credit debt of over thirty thousand dollars. So how could this loan have any real impact on that amount? - pine643
A:
You're right, this loan will not impact the total resolving credit debt amount. My family and I have been successful in cutting our expenses recently and are bringing in new income, which will ultimately be the long-term solution to impacting the total resolving credit debt amount. In the short-term, this loan will help us keep from tapping our retirement savings in order to pay our existing loan amounts while avoiding late fees. We are confident in our ability to do this and hope you are too
(Oct-28-2010)
Q:
Can you give some information on the delinquency? Thanks. - power-secret-agent
A:
The tenant in a rental property I own was really late with rent and I was therefore a little late with a mortgage payment, but am all current now. Thank you for your interest in this listing.
(Nov-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| valiant-liberty4 | $25.00 | $25.00 | 10/26/2010 2:54:18 PM |
| helping-out | $25.00 | $25.00 | 10/26/2010 8:46:20 PM |
| TakeCare | $36.17 | $36.17 | 10/29/2010 3:07:05 PM |
| alakanbearcub | $25.00 | $25.00 | 10/31/2010 5:31:49 PM |
| LittleHelp | $25.00 | $25.00 | 11/1/2010 11:58:19 AM |
| Tono | $30.00 | $30.00 | 11/1/2010 3:07:34 PM |
| lillian27 | $50.00 | $50.00 | 11/1/2010 4:18:57 PM |
| billete | $25.00 | $25.00 | 11/1/2010 4:20:29 PM |
| cunning-bill | $25.00 | $25.00 | 11/1/2010 4:29:43 PM |
| credible-balance0 | $25.00 | $25.00 | 11/1/2010 4:15:04 PM |
| IIP77 | $25.00 | $25.00 | 11/1/2010 4:17:08 PM |
| green-capital-hornet | $25.00 | $25.00 | 11/1/2010 4:14:42 PM |
| thatguyoverseas | $25.00 | $25.00 | 11/1/2010 4:21:34 PM |
| best-unbeatable-transaction | $25.00 | $25.00 | 11/1/2010 4:22:00 PM |
| gold-channel2 | $50.00 | $37.74 | 11/1/2010 4:23:18 PM |
| copper | $50.00 | $50.00 | 11/1/2010 4:21:20 PM |
| retired272 | $25.00 | $25.00 | 11/1/2010 4:22:17 PM |
| entertaining-greenback2 | $25.00 | $25.00 | 11/1/2010 6:11:34 PM |
| platinum-cargo | $26.23 | $26.23 | 11/1/2010 9:01:27 PM |
| buffalobills | $25.00 | $25.00 | 11/1/2010 8:44:54 PM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 9:31:52 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:46:25 AM |
| inspiring-reward | $69.86 | $69.86 | 10/29/2010 3:06:49 PM |
| money-bauble | $25.00 | $25.00 | 10/29/2010 5:39:53 PM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:32:07 AM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:57:41 PM |
| generous-deal6 | $25.00 | $25.00 | 11/1/2010 7:03:37 AM |
| head | $25.00 | $25.00 | 11/1/2010 4:14:58 PM |
| Hambone1111 | $25.00 | $25.00 | 11/1/2010 4:21:07 PM |
| punctual-community8 | $25.00 | $25.00 | 11/1/2010 4:21:32 PM |
| abundant-credit6 | $25.00 | $25.00 | 11/1/2010 4:21:29 PM |
| realtormoises | $25.00 | $25.00 | 11/1/2010 5:26:37 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
481555
This series of Notes was issued and sold upon the funding of the borrower loan #45169, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.50% |
Auction start date:
| Oct-26-2010 |
| |
Auction end date:
| Nov-02-2010 |
|
|
Starting lender yield:
| 9.95% |
Starting borrower rate/APR:
| 10.95% / 13.07% |
Starting monthly payment:
| $294.44 |
|
Final lender yield:
| 9.95% |
Final borrower rate/APR:
| 10.95% / 13.07% |
Final monthly payment:
| $294.44 |
| |
|
Auction yield range:
| 3.71% - 9.95% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.42% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 820-839 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,610 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| the-worth-system |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
Consolidate and pay off credit card debt that was incurred after my wife and I purchased our first home last November and had to do some minor repairs, upgrades and purchase furnishings.
My financial situation: My wife and I are currently fully employed and have paid all of our bills on time, as reflected on my credit report and this loan would help us to pay down our debts in a timely manner and free up a little money each month.
I am a good candidate for this loan because? my wife and I are both fully employed and have an excellent record of repaying all of our obligations and this loan would be set up to be paid automatically on time each month.
Thank you for your consideration and assistance.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What's the interest rate on the debt you're going to pay off? Thanks. - tuxedo76
A:
On average, our credit card rate is 17.90%. This loan would help us to get into a more reasonable interest rate.
Thank you for your help.
(Oct-27-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| selector568 | $400.00 | $400.00 | 10/26/2010 2:44:05 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/26/2010 2:52:16 PM |
| newest-bountiful-basis | $25.00 | $25.00 | 10/26/2010 2:55:30 PM |
| Weaverville | $50.00 | $50.00 | 10/26/2010 2:44:59 PM |
| teller | $50.00 | $50.00 | 10/26/2010 2:51:39 PM |
| GElender | $50.00 | $50.00 | 10/26/2010 2:46:03 PM |
| handshake5 | $100.00 | $100.00 | 10/26/2010 2:57:16 PM |
| point-kitten6 | $50.00 | $50.00 | 10/26/2010 2:57:45 PM |
| GCInvestments | $25.00 | $25.00 | 10/26/2010 2:58:03 PM |
| rescue | $100.00 | $100.00 | 10/26/2010 2:55:03 PM |
| BxRealtor | $25.00 | $25.00 | 10/26/2010 2:55:40 PM |
| valiant-liberty4 | $50.00 | $50.00 | 10/26/2010 2:56:06 PM |
| penny-plato | $25.00 | $25.00 | 10/26/2010 3:09:42 PM |
| socal-lender | $25.00 | $25.00 | 10/26/2010 2:58:59 PM |
| SCD | $25.00 | $25.00 | 10/26/2010 4:00:37 PM |
| chibear34 | $25.00 | $25.00 | 10/26/2010 4:46:09 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/26/2010 5:09:56 PM |
| a275ranger | $30.00 | $30.00 | 10/26/2010 7:13:57 PM |
| LoisLoan | $25.00 | $25.00 | 10/26/2010 6:38:52 PM |
| jdwillcox | $100.00 | $100.00 | 10/26/2010 9:11:28 PM |
| Panna | $25.00 | $25.00 | 10/27/2010 12:23:56 AM |
| exchange-battalion | $30.00 | $30.00 | 10/26/2010 11:17:01 PM |
| jga516 | $25.00 | $25.00 | 10/27/2010 1:58:19 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/27/2010 2:25:56 AM |
| enthralling-deal180 | $50.00 | $50.00 | 10/27/2010 4:37:17 AM |
| subtle-revenue0 | $25.00 | $25.00 | 10/27/2010 5:16:31 AM |
| Usurious | $25.00 | $25.00 | 10/27/2010 9:55:45 AM |
| rapid-credit428 | $25.00 | $25.00 | 10/27/2010 1:12:39 PM |
| alpinaut | $25.00 | $25.00 | 10/27/2010 1:48:42 PM |
| greenback-guard | $25.00 | $25.00 | 10/27/2010 4:32:18 PM |
| galvatron | $34.82 | $34.82 | 10/27/2010 9:43:44 PM |
| brazilofmux | $100.00 | $100.00 | 10/27/2010 7:04:43 PM |
| zenchef | $26.04 | $26.04 | 10/28/2010 2:26:34 AM |
| tuxedo76 | $35.00 | $35.00 | 10/28/2010 8:53:26 AM |
| AK49-JW | $50.00 | $50.00 | 10/27/2010 11:12:21 PM |
| caring-hope2 | $50.00 | $50.00 | 10/28/2010 7:31:01 AM |
| loyalty-sherpa | $50.00 | $50.00 | 10/28/2010 9:40:24 AM |
| narblark | $50.00 | $50.00 | 10/28/2010 11:52:30 AM |
| greekpolis | $75.00 | $75.00 | 10/28/2010 2:09:52 PM |
| reBuild-America | $25.00 | $25.00 | 10/28/2010 11:08:30 AM |
| doncm | $50.00 | $50.00 | 10/28/2010 12:27:24 PM |
| deal-vibrato | $50.00 | $50.00 | 10/28/2010 2:28:08 PM |
| blissful-responsibility4 | $25.00 | $25.00 | 10/28/2010 3:45:42 PM |
| best-deal-banker | $25.00 | $25.00 | 10/28/2010 3:47:09 PM |
| felicity-loyalist0 | $25.00 | $25.00 | 10/28/2010 5:02:06 PM |
| magnificent-reward9 | $30.00 | $30.00 | 10/28/2010 4:14:00 PM |
| penny-plato | $50.00 | $50.00 | 10/28/2010 4:20:56 PM |
| wealth-carrier | $25.00 | $25.00 | 10/28/2010 7:25:42 PM |
| the-bill-gatherer | $50.00 | $50.00 | 10/29/2010 7:42:06 AM |
| authoritative-loot | $25.00 | $25.00 | 10/28/2010 11:39:03 PM |
| DanV | $25.00 | $25.00 | 10/29/2010 9:29:37 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:42:45 AM |
| peerlender | $25.00 | $25.00 | 10/29/2010 2:37:39 AM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 9:32:40 AM |
| credible-balance0 | $25.00 | $25.00 | 10/29/2010 9:41:56 AM |
| crafty | $25.00 | $25.00 | 10/29/2010 9:51:58 AM |
| jakesworld | $50.00 | $50.00 | 10/29/2010 10:39:13 AM |
| larrybird | $25.00 | $25.00 | 10/29/2010 2:16:23 PM |
| loan-rider7 | $25.00 | $25.00 | 10/29/2010 4:16:06 PM |
| Tradesmanlender | $25.00 | $25.00 | 10/29/2010 5:39:39 PM |
| rekitten | $100.00 | $100.00 | 10/29/2010 6:11:34 PM |
| CAGE-Investments | $25.00 | $25.00 | 10/30/2010 4:42:28 AM |
| riproaringrapids | $25.00 | $25.00 | 10/30/2010 6:48:12 AM |
| misohoni | $52.90 | $52.90 | 10/30/2010 10:44:06 AM |
| money-bauble | $100.00 | $100.00 | 10/30/2010 5:26:31 AM |
| benefit-piano5 | $25.00 | $25.00 | 10/30/2010 11:33:51 AM |
| simplelender80 | $100.00 | $100.00 | 10/30/2010 7:47:18 AM |
| bill-booster5 | $25.00 | $25.00 | 10/30/2010 11:11:57 AM |
| justalender | $25.00 | $25.00 | 10/30/2010 11:21:55 AM |
| wealth-cheetah7 | $82.91 | $82.91 | 10/30/2010 11:47:09 AM |
| sign_here | $25.00 | $25.00 | 10/30/2010 2:15:58 PM |
| Cronos | $50.00 | $50.00 | 10/31/2010 12:50:47 AM |
| SoCalRancher | $25.00 | $25.00 | 10/30/2010 1:44:19 PM |
| payout-alien6 | $25.00 | $25.00 | 10/30/2010 7:05:27 PM |
| FadSaolAgat | $26.18 | $26.18 | 10/30/2010 7:22:58 PM |
| BankofBeth | $25.00 | $25.00 | 10/31/2010 10:28:58 AM |
| inspiring-reward | $75.00 | $75.00 | 10/30/2010 7:23:16 PM |
| yogi1975 | $25.00 | $25.00 | 10/31/2010 1:58:36 PM |
| trustworthy-finance6 | $150.00 | $150.00 | 10/31/2010 7:27:29 AM |
| Dr_M | $25.00 | $25.00 | 10/31/2010 6:11:00 AM |
| crdcteng | $50.00 | $50.00 | 10/31/2010 6:39:56 PM |
| octoberfresh | $25.00 | $25.00 | 11/1/2010 7:09:56 AM |
| Phantom99 | $25.00 | $25.00 | 11/1/2010 7:53:45 AM |
| credit-panda1 | $25.00 | $25.00 | 11/1/2010 8:02:55 AM |
| Cherrypicker | $50.00 | $50.00 | 11/1/2010 10:03:22 AM |
| serene-capital | $25.00 | $25.00 | 11/1/2010 1:34:21 PM |
| ams294 | $30.00 | $30.00 | 11/1/2010 2:51:14 PM |
| credit-coach118 | $35.00 | $35.00 | 11/1/2010 12:48:47 PM |
| JGONZ13850 | $25.00 | $25.00 | 11/1/2010 12:12:21 PM |
| OregonDane | $25.00 | $25.00 | 11/1/2010 2:39:10 PM |
| gustavholstopus32 | $25.00 | $25.00 | 11/1/2010 6:27:28 PM |
| doopers | $25.00 | $25.00 | 11/1/2010 7:43:20 PM |
| Speedfreak | $25.00 | $25.00 | 11/1/2010 6:46:38 PM |
| exact-peso2 | $25.00 | $25.00 | 11/2/2010 6:25:37 AM |
| edsmoney | $100.00 | $100.00 | 11/2/2010 2:53:01 AM |
| loanman2007 | $100.00 | $100.00 | 11/2/2010 5:26:00 AM |
| best-vivacious-funds | $25.00 | $25.00 | 11/2/2010 5:05:24 AM |
| rbgnr111 | $25.00 | $25.00 | 11/2/2010 7:03:26 AM |
| giovani | $25.00 | $25.00 | 11/2/2010 10:09:12 AM |
| BAdler | $25.00 | $25.00 | 11/2/2010 8:41:23 AM |
| loyalty-czar | $50.00 | $50.00 | 11/2/2010 9:18:39 AM |
| JustOneVoice | $25.00 | $25.00 | 11/2/2010 10:53:21 AM |
| respectful-credit3 | $69.39 | $69.39 | 11/2/2010 11:35:21 AM |
| one-midas | $50.00 | $50.00 | 11/2/2010 11:37:13 AM |
| KrisKringle | $50.00 | $50.00 | 11/2/2010 9:28:30 AM |
| wlm3012 | $25.00 | $25.00 | 11/2/2010 10:14:08 AM |
| grampy48 | $25.00 | $25.00 | 11/2/2010 11:50:45 AM |
| williemc44 | $50.00 | $50.00 | 10/26/2010 2:46:32 PM |
| mla | $25.00 | $25.00 | 10/26/2010 2:50:21 PM |
| organized-payment6 | $50.00 | $50.00 | 10/26/2010 2:50:52 PM |
| ogmanny | $50.00 | $50.00 | 10/26/2010 2:51:28 PM |
| jazzlender | $50.00 | $50.00 | 10/26/2010 2:52:27 PM |
| ray1051 | $75.00 | $75.00 | 10/26/2010 2:53:42 PM |
| Banker7371 | $25.00 | $25.00 | 10/26/2010 3:00:38 PM |
| mjunlimited | $50.00 | $50.00 | 10/26/2010 2:51:50 PM |
| DDPrime | $100.00 | $100.00 | 10/26/2010 2:49:07 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/26/2010 2:52:42 PM |
| xrycac | $25.00 | $25.00 | 10/26/2010 3:28:07 PM |
| skuba | $25.00 | $25.00 | 10/26/2010 2:55:17 PM |
| radforj22 | $25.00 | $25.00 | 10/26/2010 2:59:32 PM |
| zeelender | $25.00 | $25.00 | 10/26/2010 3:02:23 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/26/2010 3:50:16 PM |
| silver-baby | $25.00 | $25.00 | 10/26/2010 5:09:34 PM |
| ujiba | $28.88 | $28.88 | 10/26/2010 6:02:06 PM |
| RandyL3 | $25.00 | $25.00 | 10/26/2010 6:01:57 PM |
| museic1 | $25.00 | $25.00 | 10/26/2010 6:05:04 PM |
| unassassinable | $25.00 | $25.00 | 10/26/2010 10:01:49 PM |
| tntmojave | $25.00 | $25.00 | 10/26/2010 10:01:56 PM |
| reward-tsunami7 | $27.63 | $27.63 | 10/26/2010 9:20:46 PM |
| silver-dogwood4 | $25.00 | $25.00 | 10/26/2010 9:25:54 PM |
| thrifty-peso | $25.00 | $25.00 | 10/27/2010 6:18:52 AM |
| tenacious-compassion9 | $25.00 | $25.00 | 10/27/2010 6:30:58 AM |
| SOP_Bank | $25.00 | $25.00 | 10/27/2010 7:00:40 AM |
| lloyd_s | $25.00 | $25.00 | 10/27/2010 9:08:49 AM |
| platinum-hunter7 | $50.00 | $50.00 | 10/27/2010 5:50:19 AM |
| ingenious-order783 | $50.00 | $50.00 | 10/27/2010 8:54:44 AM |
| ladderskibum | $25.00 | $25.00 | 10/27/2010 3:14:41 PM |
| graceful-investment | $100.00 | $100.00 | 10/27/2010 1:56:46 PM |
| shmb6508 | $50.00 | $50.00 | 10/27/2010 4:01:41 PM |
| the-money-position | $50.00 | $50.00 | 10/27/2010 4:28:58 PM |
| japerk | $25.00 | $25.00 | 10/27/2010 6:31:41 PM |
| nickel-ferret | $50.00 | $50.00 | 10/27/2010 10:11:27 PM |
| efficient-treasure0 | $25.00 | $25.00 | 10/27/2010 8:00:15 PM |
| iamricher | $25.00 | $25.00 | 10/27/2010 11:22:56 PM |
| julijask | $35.00 | $35.00 | 10/28/2010 2:31:13 AM |
| indomitable-coin | $45.53 | $45.53 | 10/28/2010 5:54:20 AM |
| gracej | $25.00 | $25.00 | 10/28/2010 2:29:39 PM |
| bright-investment | $25.00 | $25.00 | 10/28/2010 1:22:19 PM |
| taylor883 | $50.00 | $50.00 | 10/28/2010 2:40:30 PM |
| a-finance-nirvana | $25.00 | $25.00 | 10/28/2010 2:30:36 PM |
| lagnisiruk | $25.00 | $25.00 | 10/28/2010 2:32:18 PM |
| TrustPlus | $50.00 | $50.00 | 10/28/2010 2:28:15 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/28/2010 3:44:14 PM |
| bearclan | $25.00 | $25.00 | 10/29/2010 7:39:24 AM |
| peripatetic | $25.00 | $25.00 | 10/29/2010 3:36:09 AM |
| impartial-deal | $25.00 | $25.00 | 10/29/2010 6:50:35 AM |
| gjh37 | $50.00 | $50.00 | 10/29/2010 6:52:13 AM |
| intuitive-camaraderi9 | $25.00 | $25.00 | 10/29/2010 9:51:28 AM |
| Aimvest | $25.00 | $25.00 | 10/29/2010 9:52:48 AM |
| orlowf | $50.00 | $50.00 | 10/29/2010 10:00:16 AM |
| rjrventure | $75.00 | $75.00 | 10/29/2010 9:48:11 AM |
| Bill | $29.89 | $29.89 | 10/29/2010 6:33:13 PM |
| exchange-upholder0 | $25.00 | $25.00 | 10/29/2010 3:38:51 PM |
| Planecourage | $34.00 | $34.00 | 10/29/2010 6:25:51 PM |
| MM1207 | $25.00 | $25.00 | 10/30/2010 8:10:42 AM |
| Cheburashka | $25.00 | $25.00 | 10/30/2010 2:13:36 AM |
| JustMee | $25.00 | $25.00 | 10/30/2010 8:28:03 AM |
| spiff666 | $25.00 | $25.00 | 10/30/2010 9:54:55 AM |
| brother_tam | $42.35 | $42.35 | 10/30/2010 10:33:05 AM |
| investment-artist | $25.00 | $25.00 | 10/30/2010 10:37:37 AM |
| bentheretoo | $400.00 | $400.00 | 10/30/2010 5:06:32 AM |
| TheTimeIsNow | $25.00 | $25.00 | 10/30/2010 5:10:18 AM |
| Hogpilot | $25.00 | $25.00 | 10/30/2010 5:42:56 AM |
| jimbo29blue | $50.00 | $50.00 | 10/30/2010 9:21:10 AM |
| rjleves | $50.00 | $50.00 | 10/30/2010 2:23:26 PM |
| laufer32304 | $50.00 | $50.00 | 10/30/2010 10:06:16 AM |
| respectful-integrity3 | $25.00 | $25.00 | 10/30/2010 3:48:32 PM |
| generous-deal6 | $50.00 | $50.00 | 10/30/2010 5:25:11 PM |
| flopcat | $25.00 | $25.00 | 10/30/2010 2:08:18 PM |
| wampum-amplifier | $50.00 | $50.00 | 10/30/2010 3:24:34 PM |
| verdiprr | $100.00 | $100.00 | 10/31/2010 9:51:24 AM |
| ti22ring | $25.00 | $25.00 | 10/30/2010 7:35:22 PM |
| mistertao | $25.00 | $25.00 | 10/31/2010 6:03:06 AM |
| kleinbrak | $25.00 | $25.00 | 10/31/2010 7:03:16 AM |
| Kame | $25.00 | $25.00 | 10/31/2010 6:03:08 AM |
| classiccitizen | $25.00 | $25.00 | 10/31/2010 2:43:18 PM |
| irrelevant | $25.00 | $25.00 | 10/31/2010 6:58:25 AM |
| Gar3field | $200.00 | $200.00 | 10/31/2010 3:38:31 PM |
| caNative | $50.00 | $50.00 | 10/31/2010 10:20:16 AM |
| caNative | $200.00 | $18.48 | 10/31/2010 10:24:27 AM |
| ArnoTemplar | $50.00 | $50.00 | 11/1/2010 10:14:18 AM |
| wwwUniversal | $25.00 | $25.00 | 11/1/2010 8:28:28 AM |
| oldman68 | $25.00 | $25.00 | 11/1/2010 8:48:36 AM |
| ethicalhumanist | $50.00 | $50.00 | 11/1/2010 1:07:19 PM |
| myextracash | $25.00 | $25.00 | 11/1/2010 2:32:53 PM |
| ltlsprite3 | $30.00 | $30.00 | 11/1/2010 4:33:28 PM |
| velocity-winner | $25.00 | $25.00 | 11/1/2010 5:18:48 PM |
| forthright-principal2 | $25.00 | $25.00 | 11/1/2010 6:30:11 PM |
| sildoc | $25.00 | $25.00 | 11/1/2010 7:23:46 PM |
| zztopdog | $25.00 | $25.00 | 11/2/2010 2:03:27 AM |
| Charmart | $25.00 | $25.00 | 11/2/2010 3:06:46 AM |
| sgt-schultz | $25.00 | $25.00 | 11/2/2010 6:07:50 AM |
| tigerlady92 | $50.00 | $50.00 | 11/2/2010 6:14:07 AM |
| slwholesales | $25.00 | $25.00 | 11/2/2010 5:55:11 AM |
| fulfilling-dedication0 | $25.00 | $25.00 | 11/2/2010 8:27:16 AM |
| ritwik | $50.00 | $50.00 | 11/2/2010 10:24:21 AM |
| credit-guard5 | $25.00 | $25.00 | 11/2/2010 9:13:02 AM |
| mgking007 | $26.00 | $26.00 | 11/2/2010 11:18:39 AM |
| RkyMtnHi | $100.00 | $100.00 | 11/2/2010 10:12:28 AM |
| 209 bids
|
Borrower Payment Dependent Notes Series
481579
This series of Notes was issued and sold upon the funding of the borrower loan #45143, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-26-2010 |
| |
Auction end date:
| Oct-30-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $82.19 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $82.19 |
| |
|
Auction yield range:
| 10.71% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Feb-1992 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $45,039 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| OneLuckyCouple |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
almost there!!!!!!!!!!!!!!!!!!!!!!!
Purpose of loan:help get us caught up following our wedding.
This loan will be used to?
Pay the Mortgage
My financial situation:My wife and I have no kids and no car payments.? We are DINKS. Both full-time.? House is 1750 between the two of us. never missed a bill in seven years.? If you can help us following our wedding we can continue with that record!
Monthly net income: $ 4500
Monthly expenses: $
??Housing: $?875
??Insurance: $?
??Car expenses: $ 60
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| handshake5 | $50.00 | $50.00 | 10/26/2010 2:53:19 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/26/2010 2:54:51 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/26/2010 2:53:25 PM |
| washboard1 | $50.00 | $50.00 | 10/26/2010 5:15:25 PM |
| balance-handshake7 | $25.00 | $25.00 | 10/26/2010 5:15:34 PM |
| suave-dime6 | $25.00 | $25.00 | 10/26/2010 6:04:15 PM |
| forthright-dedication | $50.00 | $50.00 | 10/26/2010 6:16:32 PM |
| israel15 | $25.00 | $25.00 | 10/26/2010 8:55:01 PM |
| dedicated-diversification5 | $25.00 | $25.00 | 10/27/2010 5:52:31 AM |
| inspiring-reward | $100.00 | $100.00 | 10/27/2010 4:08:55 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/28/2010 2:31:08 PM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:44:35 AM |
| the-truth-palace | $30.00 | $30.00 | 10/29/2010 9:56:12 AM |
| Ven58 | $25.00 | $25.00 | 10/30/2010 1:40:08 AM |
| brwnidgirl | $50.00 | $50.00 | 10/30/2010 6:28:36 PM |
| honey-money | $25.00 | $25.00 | 10/30/2010 7:02:23 PM |
| graceful-investment | $100.00 | $79.64 | 10/30/2010 11:30:48 AM |
| brwnidgirl | $100.00 | $100.00 | 10/30/2010 6:26:48 PM |
| Tom579 | $50.00 | $50.00 | 10/26/2010 3:24:14 PM |
| best-ingenious-funds | $25.00 | $25.00 | 10/26/2010 5:10:25 PM |
| Comoparklender | $25.00 | $25.00 | 10/26/2010 5:11:19 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/26/2010 5:15:46 PM |
| bid-czar8 | $25.00 | $25.00 | 10/26/2010 5:18:37 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/26/2010 6:06:43 PM |
| magnolia161 | $50.00 | $50.00 | 10/26/2010 7:51:10 PM |
| frogperson | $250.00 | $250.00 | 10/26/2010 10:11:03 PM |
| nybanker85 | $50.00 | $50.00 | 10/26/2010 10:23:03 PM |
| reflective-rupee | $33.00 | $33.00 | 10/27/2010 9:37:30 AM |
| Artist_Blue | $25.00 | $25.00 | 10/28/2010 12:36:12 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:05:37 PM |
| dudebrah | $25.00 | $25.00 | 10/28/2010 8:54:34 PM |
| lulubelle98 | $100.00 | $100.00 | 10/29/2010 12:28:41 PM |
| rustysailor | $25.00 | $25.00 | 10/29/2010 10:41:30 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/30/2010 8:19:05 AM |
| GElender | $32.36 | $32.36 | 10/30/2010 9:36:22 AM |
| 35 bids
|
Borrower Payment Dependent Notes Series
481703
This series of Notes was issued and sold upon the funding of the borrower loan #45149, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Oct-27-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $291.65 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $291.65 |
| |
|
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:
| Dec-1998 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 64 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,039 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Jtedgar |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 20 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $12,500.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Nov-2007)
560-579
(Nov-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
2 x Successful Borrower - Bid Now !
Purpose of loan:
This loan will be used to consolidate credit cards
My financial situation:
I am a good candidate for this loan because I'm a 2 x successful borrower at Prosper.com
Monthly net income: $ 3,185
Monthly expenses: $ 2,805
??Housing: $ 1410**
??Insurance: $ 105
??Car expenses: $ 560
??Utilities: $ 92
??Phone, cable, internet: $ 115
??Food, entertainment: $ 125*
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 350
Residual / Savings $377
* Food and entertainment value may increase up to $300 per month
** My job recently relocated me to Orange County, Ca in April of this year, and given that I knew nothing about the areas of Orange County, I decided to get a one year lease in an upscale apartment complex, whereas I have discovered that there are many apartments in the area that are just as good for $300 to $500 less.? Therefore I would like to disclose that I plan to move to a cheaper apartment when my lease is up in April 2011.?
Borrower Goal:? My goal is become debt free as soon as possible, whereas my historical Prosper loans show that I am a credible candidate for your investment, given that I have successfully paid off two Prosper loans before maturity.?
Your investment will be safe on bidding and funding my Prosper loan request.? Thank you in advance for your time and support in helping me achieve my personal finance goals.? Please fee free to ask my any quesitons.? Thank you,
Respectfully,
JE
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 do you have 3 recent inquiries?
How many debts do you still owe?
Thanks, - p2ploan-sensation211
A:
Thank you for your inquiry,
The 3 recent inquiries over the past 6 months can only be in result to the following; Sears Card, Sam's Discover Card, and a Re-Fi on my auto loan. All of these inquiries/CCs helped me relocate to So Cal. My total debts include a balance slightly over $6000, in that my strategic short term goal is to payoff my pending Prosper loan within the year, with my income tax refund, added funds from a future move, and a pending withdraw from my 401k. Thank you for bidding!
(Nov-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 10/27/2010 3:05:18 PM |
| ekmendenhall | $45.00 | $45.00 | 10/27/2010 3:02:51 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/27/2010 3:06:11 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/27/2010 3:09:44 PM |
| suave-dime6 | $25.00 | $25.00 | 10/27/2010 3:12:21 PM |
| Skeptical-one | $31.00 | $31.00 | 10/27/2010 3:02:41 PM |
| brother_tam | $50.00 | $50.00 | 10/27/2010 3:58:15 PM |
| noble-revenue | $50.00 | $50.00 | 10/27/2010 3:55:15 PM |
| ritchie70 | $25.00 | $25.00 | 10/27/2010 3:55:48 PM |
| 1stBankAndHal | $75.00 | $75.00 | 10/27/2010 5:57:53 PM |
| Ubiquinone | $100.00 | $100.00 | 10/27/2010 8:21:47 PM |
| Mr-Miracle | $25.00 | $25.00 | 10/27/2010 6:03:39 PM |
| clemclan | $25.00 | $25.00 | 10/27/2010 8:03:03 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/28/2010 10:37:56 AM |
| Chesterite | $25.00 | $25.00 | 10/28/2010 1:29:49 PM |
| roadster199 | $25.00 | $25.00 | 10/28/2010 2:03:02 PM |
| reflective-rupee | $33.00 | $33.00 | 10/28/2010 1:16:02 PM |
| reflective-rupee | $99.00 | $99.00 | 10/28/2010 1:15:49 PM |
| helping-out | $25.00 | $25.00 | 10/28/2010 2:38:58 PM |
| selector568 | $100.00 | $100.00 | 10/28/2010 5:25:53 PM |
| blitzen40 | $35.00 | $35.00 | 10/28/2010 7:26:59 PM |
| innovator2 | $100.00 | $100.00 | 10/28/2010 5:01:20 PM |
| ZPBSFinancialGroup | $27.25 | $27.25 | 10/28/2010 5:17:01 PM |
| usedtoborrow | $50.00 | $50.00 | 10/28/2010 5:20:03 PM |
| Aristocrat | $25.00 | $25.00 | 10/29/2010 8:18:47 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:44:54 AM |
| gaurantee101 | $25.00 | $25.00 | 10/29/2010 11:30:11 AM |
| FinDoc | $25.00 | $25.00 | 10/29/2010 12:28:15 PM |
| loanman2007 | $100.00 | $100.00 | 10/29/2010 12:34:19 PM |
| diversification-maple1 | $30.00 | $30.00 | 10/29/2010 5:48:19 PM |
| SolarMoonshine | $100.00 | $100.00 | 10/29/2010 4:25:14 PM |
| Madmigel | $41.34 | $41.34 | 10/29/2010 6:11:35 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 10/30/2010 5:55:12 AM |
| nickel-universe2 | $25.00 | $25.00 | 10/30/2010 6:58:22 AM |
| kendigme | $25.00 | $25.00 | 10/30/2010 6:40:16 AM |
| Legally_Blonde | $50.00 | $50.00 | 10/30/2010 7:29:03 AM |
| dunrizzo | $48.70 | $48.70 | 10/30/2010 10:30:16 PM |
| whirlingdervish | $25.00 | $25.00 | 10/30/2010 5:05:47 PM |
| autumn_leaves | $25.00 | $25.00 | 10/31/2010 12:08:30 PM |
| autumn_leaves | $25.00 | $25.00 | 10/31/2010 12:09:04 PM |
| autumn_leaves | $25.00 | $25.00 | 10/31/2010 12:09:45 PM |
| impressive-fund0 | $27.51 | $27.51 | 10/31/2010 12:03:49 PM |
| autumn_leaves | $25.00 | $25.00 | 10/31/2010 12:10:26 PM |
| restless-dime | $25.00 | $25.00 | 10/31/2010 2:11:28 PM |
| mikeandcat | $100.00 | $100.00 | 11/1/2010 7:14:08 AM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:44:26 PM |
| nickel-hickory | $50.00 | $50.00 | 11/1/2010 12:06:31 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 9:39:43 AM |
| DenimCapital | $100.00 | $100.00 | 11/1/2010 5:51:58 AM |
| thatguyoverseas | $50.00 | $50.00 | 11/1/2010 5:54:46 AM |
| larrybird | $150.00 | $150.00 | 11/1/2010 11:42:28 AM |
| retired272 | $25.00 | $25.00 | 11/1/2010 1:02:49 PM |
| Bob450 | $30.00 | $30.00 | 11/1/2010 2:10:52 PM |
| asiaratt | $50.00 | $50.00 | 11/1/2010 4:16:23 PM |
| TakeCare | $50.00 | $50.00 | 11/1/2010 4:24:59 PM |
| generous-deal6 | $25.00 | $25.00 | 11/1/2010 4:27:15 PM |
| NoCal | $30.00 | $30.00 | 11/1/2010 4:30:41 PM |
| 108lender | $100.00 | $100.00 | 11/1/2010 4:45:44 PM |
| blue-dollar-viking | $50.00 | $50.00 | 11/1/2010 5:24:40 PM |
| Magog12 | $25.00 | $25.00 | 11/1/2010 4:49:25 PM |
| courteous-kindness1 | $50.00 | $50.00 | 11/1/2010 5:49:04 PM |
| Land_on_your_feet | $50.00 | $50.00 | 11/1/2010 7:28:09 PM |
| wlm3012 | $25.00 | $25.00 | 11/1/2010 6:00:23 PM |
| penny-plato | $25.00 | $25.00 | 11/1/2010 6:03:40 PM |
| akmikej | $29.00 | $29.00 | 11/1/2010 6:50:32 PM |
| visionary-deal3 | $100.00 | $100.00 | 11/1/2010 7:01:19 PM |
| velocity-motivator6 | $25.00 | $25.00 | 11/1/2010 7:08:23 PM |
| capital-galaxy | $300.00 | $300.00 | 11/1/2010 8:08:54 PM |
| zone6 | $100.00 | $100.00 | 11/1/2010 10:23:12 PM |
| dynamic-capital | $25.00 | $25.00 | 11/1/2010 10:04:34 PM |
| CommunityArts_Non-profit | $35.00 | $35.00 | 11/1/2010 10:14:41 PM |
| OldManP | $25.00 | $25.00 | 10/27/2010 3:02:28 PM |
| UCLA4life | $40.00 | $40.00 | 10/27/2010 3:07:19 PM |
| nilonc1 | $50.00 | $50.00 | 10/27/2010 3:50:13 PM |
| handshake5 | $100.00 | $100.00 | 10/27/2010 4:30:46 PM |
| bid-czar8 | $25.00 | $25.00 | 10/27/2010 4:30:55 PM |
| Moe87 | $50.00 | $50.00 | 10/27/2010 5:36:41 PM |
| JustMee | $25.00 | $25.00 | 10/27/2010 4:38:55 PM |
| NekHoldings | $25.00 | $25.00 | 10/28/2010 5:27:06 AM |
| Amber_Stone | $50.00 | $50.00 | 10/27/2010 8:09:30 PM |
| compassion-accelerator | $25.00 | $25.00 | 10/27/2010 9:03:13 PM |
| inspiring-reward | $100.00 | $100.00 | 10/28/2010 7:10:37 AM |
| wealth-pipeline | $25.00 | $25.00 | 10/28/2010 11:15:40 AM |
| Artist_Blue | $25.00 | $25.00 | 10/28/2010 12:35:55 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:05:47 PM |
| Kash2010lu | $50.00 | $50.00 | 10/28/2010 7:24:24 PM |
| Aristocrat | $25.00 | $25.00 | 10/29/2010 8:18:11 AM |
| DasMula | $25.00 | $25.00 | 10/29/2010 10:33:50 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/29/2010 3:11:51 PM |
| skillful-asset5 | $30.00 | $30.00 | 10/29/2010 6:42:04 PM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:30:57 AM |
| glroark | $50.00 | $50.00 | 10/30/2010 1:00:53 PM |
| penny-surgeon | $25.00 | $25.00 | 10/30/2010 10:46:40 AM |
| verdiprr | $100.00 | $100.00 | 10/31/2010 9:34:54 AM |
| innovator2 | $50.00 | $50.00 | 10/31/2010 12:53:40 PM |
| loanasauras | $50.00 | $50.00 | 10/31/2010 5:38:46 PM |
| outofoffice | $50.00 | $50.00 | 11/1/2010 11:31:27 AM |
| buffalobills | $25.00 | $25.00 | 11/1/2010 8:24:14 AM |
| worthy-bid4 | $100.00 | $100.00 | 11/1/2010 9:28:45 AM |
| momentous-value | $25.00 | $25.00 | 11/1/2010 10:05:58 AM |
| shepherd1 | $100.00 | $100.00 | 11/1/2010 10:10:35 AM |
| investment-artist | $25.00 | $25.00 | 11/1/2010 10:03:45 AM |
| scoobiedoo | $50.00 | $50.00 | 11/1/2010 10:40:50 AM |
| sagan | $25.00 | $25.00 | 11/1/2010 2:42:59 PM |
| musegaze | $100.00 | $100.00 | 11/1/2010 4:26:46 PM |
| shmb6508 | $50.00 | $50.00 | 11/1/2010 4:27:38 PM |
| Mark-M | $25.00 | $25.00 | 11/1/2010 4:30:49 PM |
| 371millwood | $100.00 | $100.00 | 11/1/2010 4:31:43 PM |
| kulender | $100.00 | $100.00 | 11/1/2010 4:20:52 PM |
| five-star-note | $200.00 | $200.00 | 11/1/2010 5:49:21 PM |
| cunning-bill | $43.01 | $43.01 | 11/1/2010 4:34:56 PM |
| LeverageLender | $25.00 | $25.00 | 11/1/2010 4:49:49 PM |
| teller | $36.86 | $36.86 | 11/1/2010 6:42:57 PM |
| Rashanir | $25.00 | $25.00 | 11/1/2010 5:55:38 PM |
| well-mannered-income3 | $30.00 | $30.00 | 11/1/2010 5:10:39 PM |
| sildoc | $111.52 | $111.52 | 11/1/2010 7:28:57 PM |
| nycusa123 | $25.00 | $25.00 | 11/1/2010 8:05:57 PM |
| money-bauble | $25.00 | $25.00 | 11/1/2010 6:35:38 PM |
| CommunityArts_Non-profit | $43.26 | $43.26 | 11/1/2010 10:24:21 PM |
| lucrative-loan | $26.04 | $26.04 | 11/1/2010 6:52:08 PM |
| larryboy10 | $25.00 | $25.00 | 11/1/2010 7:03:57 PM |
| innovator2 | $25.00 | $25.00 | 11/1/2010 8:20:06 PM |
| economy-popcorn | $25.00 | $25.00 | 11/1/2010 8:29:05 PM |
| tearingstar | $35.00 | $7.51 | 11/1/2010 8:43:39 PM |
| vine99 | $40.00 | $40.00 | 11/1/2010 8:44:36 PM |
| point-tornado | $25.00 | $25.00 | 11/1/2010 10:00:34 PM |
| 126 bids
|
Borrower Payment Dependent Notes Series
481777
This series of Notes was issued and sold upon the funding of the borrower loan #45157, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Oct-27-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Sep-1991 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 13y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Tradesman - Electri... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,308 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| scooterboy1 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 89% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 1
( 11% )
| 700-719
(Dec-2009)
|
|
Principal balance:
| $3,107.29 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Home repairs
Purpose of loan: Replace current heat pump/furnace in our home.
My financial situation: I'm hard working, very dependable and honest. I have had a prosper loan for almost a year and have always been on time, except last month, when I forgot to contact Prosper, about my wife and I changing financial institutions. I contacted?Prosper the day following the due? date. This issue was taken care of promptly. Thanks for considering us for another loan.
Monthly net income: $ 4437.00
Monthly expenses: $
??Housing: $ 843.00
??Insurance: $ 60.00
??Car expenses: $ 565.00
??Utilities: $ 260.00
??Phone, cable, internet: $?120.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 200
??Credit cards and other loans: $?295.00
??Other expenses: $ 85.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| zone6 | $100.00 | $100.00 | 10/27/2010 3:51:54 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/27/2010 3:10:33 PM |
| arrow6 | $25.00 | $25.00 | 10/27/2010 7:35:54 PM |
| brother_tam | $50.00 | $50.00 | 10/27/2010 9:12:36 PM |
| rolo12 | $32.27 | $32.27 | 10/28/2010 9:07:06 AM |
| noble-revenue | $50.00 | $50.00 | 10/27/2010 11:54:46 PM |
| Gixxer600 | $29.18 | $29.18 | 10/28/2010 1:48:38 AM |
| Sokarnox | $25.00 | $25.00 | 10/28/2010 9:39:17 AM |
| bid-chuckler | $50.00 | $50.00 | 10/28/2010 9:40:48 AM |
| lcole32 | $25.00 | $25.00 | 10/28/2010 10:22:36 AM |
| Artist_Blue | $25.00 | $25.00 | 10/28/2010 1:06:24 PM |
| caprirolito | $25.00 | $25.00 | 10/28/2010 1:21:48 PM |
| studious-principal5 | $25.00 | $25.00 | 10/28/2010 2:41:00 PM |
| lowcostmoney | $25.00 | $25.00 | 10/28/2010 2:59:49 PM |
| forthright-dedication | $25.00 | $25.00 | 10/28/2010 2:22:45 PM |
| special-currency6 | $25.00 | $25.00 | 10/28/2010 2:39:36 PM |
| svandgts | $25.00 | $25.00 | 10/28/2010 2:57:38 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/28/2010 5:26:55 PM |
| innovator2 | $25.00 | $25.00 | 10/28/2010 5:02:01 PM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:46:53 AM |
| innovator2 | $25.00 | $25.00 | 10/29/2010 2:20:36 PM |
| innovator2 | $25.00 | $25.00 | 10/29/2010 3:52:17 PM |
| momentous-value | $25.00 | $25.00 | 10/30/2010 11:59:03 AM |
| blitzen40 | $25.00 | $25.00 | 10/30/2010 12:20:13 PM |
| lucrative-loan | $50.00 | $50.00 | 10/30/2010 2:33:21 PM |
| realtormoises | $25.00 | $25.00 | 10/31/2010 1:11:40 PM |
| CommunityArts_Non-profit | $51.55 | $51.55 | 10/31/2010 3:04:09 PM |
| adaptable-capital | $69.99 | $47.50 | 10/31/2010 6:19:28 PM |
| enthusiastic-balance5 | $200.00 | $200.00 | 11/1/2010 6:58:55 AM |
| Bob450 | $25.00 | $25.00 | 10/31/2010 10:53:04 PM |
| income-rocker2 | $50.00 | $50.00 | 11/1/2010 11:19:31 AM |
| swoosh | $25.00 | $25.00 | 10/27/2010 4:00:16 PM |
| cablenews | $25.00 | $25.00 | 10/27/2010 4:18:40 PM |
| villagers | $25.00 | $25.00 | 10/27/2010 4:18:46 PM |
| imlosttoo | $25.00 | $25.00 | 10/27/2010 4:18:17 PM |
| Rob717171 | $25.00 | $25.00 | 10/28/2010 1:56:25 AM |
| pietro_torna_indietro | $31.87 | $31.87 | 10/27/2010 9:29:15 PM |
| lowlite6647 | $25.00 | $25.00 | 10/28/2010 1:56:20 AM |
| nybanker85 | $25.00 | $25.00 | 10/28/2010 1:56:23 AM |
| workinghardoregon | $25.00 | $25.00 | 10/28/2010 2:22:21 AM |
| reflective-rupee | $33.00 | $33.00 | 10/28/2010 10:22:37 AM |
| Diamond_Jim | $25.00 | $25.00 | 10/28/2010 1:34:20 PM |
| selfmademan | $25.00 | $25.00 | 10/28/2010 2:22:29 PM |
| enriching-capital | $25.00 | $25.00 | 10/28/2010 2:15:00 PM |
| engrossing-commerce | $29.50 | $29.50 | 10/28/2010 2:15:01 PM |
| crittman | $25.00 | $25.00 | 10/28/2010 2:22:15 PM |
| cloud8 | $25.00 | $25.00 | 10/28/2010 2:54:08 PM |
| zippy-interest | $25.00 | $25.00 | 10/28/2010 2:59:06 PM |
| gustavzantanon | $25.00 | $25.00 | 10/28/2010 3:00:01 PM |
| loanman2007 | $25.00 | $25.00 | 10/29/2010 12:30:26 PM |
| ZPBSFinancialGroup | $25.00 | $25.00 | 10/30/2010 3:40:58 PM |
| inspiring-reward | $150.00 | $150.00 | 10/30/2010 6:18:24 PM |
| Bcs-cnc | $50.80 | $50.80 | 10/31/2010 8:24:38 PM |
| buffalobills | $25.00 | $25.00 | 11/1/2010 8:22:14 AM |
| new-poetic-transaction | $44.33 | $44.33 | 11/1/2010 9:11:20 AM |
| 55 bids
|
Borrower Payment Dependent Notes Series
482135
This series of Notes was issued and sold upon the funding of the borrower loan #45183, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Nov-01-2010 |
| |
Auction end date:
| Nov-02-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 40.68% |
Starting monthly payment:
| $44.87 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 40.68% |
Final monthly payment:
| $44.87 |
| |
|
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):
| 5 |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 32y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $51,544 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| elevated-camaraderi838 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
help getting refinance
Purpose of loan:
To pay for some home improvement items, in order to spruce up my home for an appraisal and to pay for an appraisal.?
My financial situation:
I have already been approved for a Mortgage refinance, if my home appraises for enough.? If I can get that, them I will be paying this loan off early, as well as, all of my other bills.? I have a school loan, but that is going to be deferred until January 2012.? I also babysit and dog sit for extra cash, but I don't have documentation for that.? Also, my mother lives with me and pays me $300.00 per month for food and utilities.
Monthly net income: $ 2823
Monthly expenses: $
??Housing: $ 1608
??Insurance: $?125
??Car expenses: $?80
??Utilities: $?120
??Phone, cable, internet: $?106
??Food, entertainment: $ 100
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 1041
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radiant-loan5 | $200.00 | $200.00 | 11/1/2010 3:21:20 PM |
| velocity-solo | $25.00 | $25.00 | 11/1/2010 3:31:35 PM |
| suave-dime6 | $25.00 | $25.00 | 11/1/2010 3:38:31 PM |
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 3:41:05 PM |
| velocity-motivator6 | $25.00 | $25.00 | 11/1/2010 7:08:40 PM |
| helping-out | $25.00 | $25.00 | 11/1/2010 7:20:57 PM |
| SDD123 | $25.00 | $25.00 | 11/2/2010 5:45:06 AM |
| simplelender80 | $200.00 | $200.00 | 11/1/2010 3:29:21 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/1/2010 3:30:20 PM |
| inspiring-reward | $150.00 | $150.00 | 11/1/2010 3:35:34 PM |
| graceful-investment | $100.00 | $100.00 | 11/1/2010 4:16:13 PM |
| Artist_Blue | $25.00 | $25.00 | 11/1/2010 3:40:32 PM |
| bid-czar8 | $25.00 | $25.00 | 11/1/2010 4:34:47 PM |
| handshake5 | $33.98 | $25.00 | 11/1/2010 7:23:02 PM |
| icchok | $50.00 | $50.00 | 11/2/2010 6:00:04 AM |
| buffalobills | $25.00 | $25.00 | 11/2/2010 8:01:04 AM |
| One_Lolo | $25.00 | $25.00 | 11/2/2010 10:08:12 AM |
| 17 bids
|
Borrower Payment Dependent Notes Series
471402
This series of Notes was issued and sold upon the funding of the borrower loan #45177, 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-19-2010 |
| |
Auction end date:
| Oct-26-2010 |
|
|
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-1994 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,037 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Borrower5408 |
Borrower's state:
| Arkansas |
Borrower's group:
| Global Group - Fast Same Day Approval - |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Refi
Purpose of loan:
This loan will be used to pay off higher rate credit cards.
My financial situation:
I am a good candidate for this loan because I have a strong stable income and the ability to make a significant payment.? I have an excellent payment history and very good ratios.? I am trying to eliminate credit card balances with high interest rates.
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:
It shows your revolving credit balance as $9,037 but your loan is for $15,000. What will the additional $6,000 be used for? - lpkitten
A:
I'm not sure what is on the credit report and what is missing, but here is my current revolving debt:
Discover $8,400
Barclay 6,300
Chase 800
Amex 1,200
Total 16,700
I will pay off the Barclay and Discover which are at higher rates for a total of $14,700. The Chase card has a very low rate so I am just paying the minium due there for the time. The Amex balance is just my normal monthly balance. I pay that off each month.
(Oct-22-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radforj22 | $25.00 | $25.00 | 10/19/2010 3:39:43 PM |
| alpinaut | $25.00 | $25.00 | 10/19/2010 3:39:06 PM |
| jdwillcox | $50.00 | $50.00 | 10/19/2010 3:47:34 PM |
| ichibon | $150.00 | $150.00 | 10/19/2010 3:48:29 PM |
| rescue | $100.00 | $100.00 | 10/19/2010 3:42:08 PM |
| payout-achievement | $100.00 | $100.00 | 10/19/2010 3:49:16 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/19/2010 3:46:42 PM |
| delicious-social132 | $50.00 | $50.00 | 10/19/2010 3:49:03 PM |
| objective-investor | $100.00 | $100.00 | 10/19/2010 3:47:54 PM |
| kmr2 | $200.00 | $200.00 | 10/19/2010 3:53:19 PM |
| bowdish1 | $50.00 | $50.00 | 10/19/2010 3:48:10 PM |
| jeg3k | $50.00 | $50.00 | 10/19/2010 3:49:27 PM |
| worthy-bid8 | $100.00 | $100.00 | 10/19/2010 3:49:42 PM |
| DDPrime | $100.00 | $100.00 | 10/19/2010 3:51:39 PM |
| auction-sage | $50.00 | $50.00 | 10/19/2010 3:55:53 PM |
| williemc44 | $50.00 | $50.00 | 10/19/2010 3:51:58 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/19/2010 3:58:58 PM |
| MadHun | $100.00 | $100.00 | 10/19/2010 3:52:21 PM |
| 6moonbeams | $200.00 | $200.00 | 10/19/2010 3:59:22 PM |
| enthralling-deal180 | $50.00 | $50.00 | 10/19/2010 3:53:04 PM |
| psa1995 | $50.00 | $50.00 | 10/19/2010 3:59:59 PM |
| ray1051 | $25.00 | $25.00 | 10/19/2010 3:53:36 PM |
| HedgeFund | $50.00 | $50.00 | 10/19/2010 3:57:44 PM |
| wings2fly | $25.00 | $25.00 | 10/19/2010 3:55:37 PM |
| teller | $50.00 | $50.00 | 10/19/2010 3:59:41 PM |
| don8ter | $25.00 | $25.00 | 10/19/2010 4:00:42 PM |
| rangers94 | $25.00 | $25.00 | 10/19/2010 4:08:40 PM |
| reward-tsunami7 | $50.00 | $50.00 | 10/19/2010 3:59:12 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/19/2010 4:01:19 PM |
| caring-hope2 | $50.00 | $50.00 | 10/19/2010 4:08:30 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/19/2010 6:42:44 PM |
| larrybird | $150.00 | $150.00 | 10/19/2010 7:09:55 PM |
| SCD | $25.00 | $25.00 | 10/20/2010 4:05:23 AM |
| Tiffies3 | $60.00 | $60.00 | 10/20/2010 3:26:40 AM |
| suave-dime6 | $25.00 | $25.00 | 10/20/2010 7:53:11 AM |
| crenen139 | $25.00 | $25.00 | 10/20/2010 9:04:27 AM |
| peb44 | $25.00 | $25.00 | 10/20/2010 9:08:14 AM |
| newest-sensible-hope | $50.00 | $50.00 | 10/20/2010 9:30:49 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/20/2010 9:30:56 AM |
| mtquan | $25.00 | $25.00 | 10/20/2010 9:34:12 AM |
| Quiddity | $50.00 | $50.00 | 10/20/2010 9:50:37 AM |
| techvet | $50.00 | $50.00 | 10/20/2010 9:59:04 AM |
| truth-magma | $25.00 | $25.00 | 10/20/2010 11:12:58 AM |
| point-shooter | $50.00 | $50.00 | 10/20/2010 11:25:21 AM |
| SelectTrustLending | $25.00 | $25.00 | 10/20/2010 11:12:30 AM |
| bambampk | $25.00 | $25.00 | 10/20/2010 11:26:39 AM |
| the-money-position | $50.00 | $50.00 | 10/20/2010 12:33:55 PM |
| papaloha | $25.00 | $25.00 | 10/20/2010 1:24:07 PM |
| helping-out | $50.00 | $50.00 | 10/20/2010 1:38:04 PM |
| maldok1 | $25.00 | $25.00 | 10/20/2010 1:41:18 PM |
| focused-return366 | $25.00 | $25.00 | 10/20/2010 7:17:55 PM |
| penny-plato | $25.00 | $25.00 | 10/20/2010 8:49:24 PM |
| kenji4861 | $25.00 | $25.00 | 10/20/2010 9:41:50 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/21/2010 2:10:00 AM |
| Ubiquinone | $25.00 | $25.00 | 10/21/2010 7:16:20 AM |
| jcjawors | $25.00 | $25.00 | 10/21/2010 9:11:28 AM |
| vigorous-velocity | $100.00 | $100.00 | 10/21/2010 9:46:14 AM |
| Eagledrop | $25.00 | $25.00 | 10/21/2010 2:54:13 PM |
| schpere | $200.00 | $200.00 | 10/21/2010 2:59:03 PM |
| omerta6102 | $50.00 | $50.00 | 10/21/2010 3:05:46 PM |
| Ripsaw4U | $50.00 | $50.00 | 10/21/2010 6:49:14 PM |
| excellent-nickel | $50.00 | $50.00 | 10/21/2010 7:04:09 PM |
| cimbaman | $73.32 | $73.32 | 10/22/2010 6:30:48 AM |
| friendly-market5 | $36.68 | $36.68 | 10/22/2010 5:43:32 AM |
| Zoramite | $25.00 | $25.00 | 10/22/2010 9:26:28 AM |
| triumph329 | $25.00 | $25.00 | 10/22/2010 10:37:47 AM |
| bayareainv | $50.00 | $50.00 | 10/22/2010 10:26:43 AM |
| Railbird | $25.00 | $25.00 | 10/22/2010 10:28:11 AM |
| nickel-hickory | $25.00 | $25.00 | 10/22/2010 11:10:37 AM |
| justice-dna | $25.00 | $25.00 | 10/22/2010 10:43:24 AM |
| pleasant-basis | $25.00 | $25.00 | 10/22/2010 10:42:48 AM |
| alakanbearcub | $25.00 | $25.00 | 10/22/2010 11:00:24 AM |
| excellent-community | $50.00 | $50.00 | 10/22/2010 12:40:09 PM |
| Banker7371 | $25.00 | $25.00 | 10/22/2010 12:53:57 PM |
| rdrloan | $50.00 | $50.00 | 10/22/2010 1:30:41 PM |
| cybernosha | $25.00 | $25.00 | 10/22/2010 1:08:43 PM |
| jigsaw | $26.58 | $26.58 | 10/22/2010 2:11:16 PM |
| designs626 | $25.00 | $25.00 | 10/22/2010 2:04:44 PM |
| JackinGreen | $125.00 | $125.00 | 10/22/2010 2:10:27 PM |
| impartial-deal | $25.00 | $25.00 | 10/22/2010 2:11:42 PM |
| Fishy014 | $28.79 | $28.79 | 10/22/2010 4:05:22 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/22/2010 5:29:57 PM |
| agiovasil | $25.00 | $25.00 | 10/22/2010 5:30:04 PM |
| thoughtful-community7 | $25.00 | $25.00 | 10/22/2010 5:52:29 PM |
| tsui517 | $25.00 | $25.00 | 10/23/2010 2:24:32 AM |
| brother_tam | $33.20 | $33.20 | 10/23/2010 2:24:45 AM |
| Sixmil | $41.61 | $41.61 | 10/23/2010 2:07:08 AM |
| anders94 | $25.00 | $25.00 | 10/23/2010 2:56:09 AM |
| irrelevant | $25.00 | $25.00 | 10/23/2010 3:42:00 AM |
| mizount | $25.00 | $25.00 | 10/23/2010 4:31:02 AM |
| crazybill | $25.00 | $25.00 | 10/23/2010 7:13:18 AM |
| principal-bull | $25.00 | $25.00 | 10/23/2010 7:43:03 AM |
| scottr | $25.00 | $25.00 | 10/23/2010 8:30:50 AM |
| gallant-economy9 | $25.00 | $25.00 | 10/23/2010 7:11:39 AM |
| FredHead3 | $27.29 | $27.29 | 10/23/2010 6:10:26 AM |
| aggielender | $25.00 | $25.00 | 10/23/2010 9:18:43 AM |
| McRowdy | $25.00 | $25.00 | 10/23/2010 8:36:27 AM |
| jescowa | $50.00 | $50.00 | 10/23/2010 10:01:36 AM |
| newest-bountiful-basis | $25.00 | $25.00 | 10/23/2010 9:06:35 AM |
| saysana | $25.00 | $25.00 | 10/23/2010 8:36:37 AM |
| zrohmm | $25.00 | $25.00 | 10/23/2010 10:46:50 AM |
| bugleusmc | $25.00 | $25.00 | 10/23/2010 9:50:58 AM |
| MoxiePop | $46.35 | $46.35 | 10/23/2010 2:45:06 PM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/23/2010 2:45:23 PM |
| kegs | $35.00 | $35.00 | 10/23/2010 3:16:04 PM |
| jrbill1998 | $41.75 | $41.75 | 10/23/2010 2:45:25 PM |
| Investoman | $25.00 | $25.00 | 10/23/2010 3:33:01 PM |
| Preferred-Lender | $25.00 | $25.00 | 10/23/2010 3:47:52 PM |
| Mj-orange | $100.00 | $100.00 | 10/23/2010 5:42:50 PM |
| intuitive-bill | $25.00 | $25.00 | 10/24/2010 12:13:54 AM |
| joshua18 | $25.00 | $25.00 | 10/24/2010 12:31:35 AM |
| Cherrypicker | $50.00 | $50.00 | 10/23/2010 10:03:53 PM |
| neutrino6 | $25.00 | $25.00 | 10/24/2010 7:36:58 AM |
| Trident-Fund | $25.00 | $25.00 | 10/24/2010 7:56:26 AM |
| poolshark72 | $25.00 | $25.00 | 10/23/2010 10:19:36 PM |
| missmoneypenny48 | $25.00 | $25.00 | 10/24/2010 3:05:30 AM |
| penny-chooser | $25.00 | $25.00 | 10/24/2010 8:14:21 AM |
| tenacious-compassion9 | $25.00 | $25.00 | 10/24/2010 11:17:20 AM |
| IrishFlyr2 | $100.00 | $100.00 | 10/24/2010 4:24:35 PM |
| FredHead3 | $25.00 | $25.00 | 10/24/2010 7:51:36 PM |
| chlebie | $50.00 | $50.00 | 10/24/2010 9:03:50 PM |
| tender-contract8 | $25.00 | $25.00 | 10/24/2010 8:11:01 PM |
| minista | $25.00 | $25.00 | 10/24/2010 10:04:49 PM |
| Panna | $25.00 | $25.00 | 10/24/2010 10:34:36 PM |
| superchicken | $25.00 | $25.00 | 10/24/2010 8:34:35 PM |
| creative-finance7 | $25.00 | $25.00 | 10/24/2010 11:42:01 PM |
| rmpedi33 | $50.00 | $50.00 | 10/25/2010 7:13:20 AM |
| tntmojave | $25.00 | $25.00 | 10/25/2010 5:44:55 AM |
| Wilcat77 | $50.00 | $50.00 | 10/25/2010 9:38:30 AM |
| lovely-benefit7 | $25.00 | $25.00 | 10/25/2010 9:44:09 AM |
| Hondo | $25.00 | $25.00 | 10/25/2010 10:15:19 AM |
| ChasSpiral | $50.00 | $50.00 | 10/25/2010 10:31:10 AM |
| deal-enrichment | $50.00 | $50.00 | 10/25/2010 10:39:47 AM |
| anti-wall-st | $100.00 | $100.00 | 10/25/2010 10:42:15 AM |
| discrete-asset | $25.00 | $25.00 | 10/25/2010 11:48:46 AM |
| gracej | $25.00 | $25.00 | 10/25/2010 11:49:20 AM |
| spiff666 | $25.00 | $25.00 | 10/25/2010 1:18:44 PM |
| yield-quest | $150.00 | $150.00 | 10/25/2010 12:40:42 PM |
| money-bauble | $100.00 | $100.00 | 10/25/2010 2:44:07 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/25/2010 2:17:31 PM |
| Emberfox | $50.00 | $50.00 | 10/25/2010 4:00:57 PM |
| mtp | $50.00 | $50.00 | 10/25/2010 4:10:57 PM |
| red-favorable-basis | $25.00 | $25.00 | 10/25/2010 4:08:17 PM |
| cash-surge | $25.00 | $25.00 | 10/25/2010 4:31:43 PM |
| wise-silver-wonder | $25.00 | $25.00 | 10/25/2010 4:51:22 PM |
| zx12rider | $25.00 | $25.00 | 10/25/2010 5:02:53 PM |
| Shelby2082 | $25.00 | $25.00 | 10/25/2010 5:10:58 PM |
| manfromMaine | $25.00 | $25.00 | 10/25/2010 4:49:21 PM |
| beachbum22 | $25.00 | $25.00 | 10/25/2010 4:57:28 PM |
| ommuruga | $50.00 | $50.00 | 10/25/2010 5:39:12 PM |
| calbertrand | $25.00 | $25.00 | 10/25/2010 8:53:40 PM |
| Davidson2 | $50.00 | $50.00 | 10/25/2010 6:57:54 PM |
| best-unbeatable-transaction | $50.00 | $50.00 | 10/25/2010 7:41:38 PM |
| nalaari | $25.00 | $25.00 | 10/26/2010 2:09:15 AM |
| LongTail | $25.00 | $25.00 | 10/26/2010 2:20:14 AM |
| zztopdog | $25.00 | $25.00 | 10/25/2010 11:13:43 PM |
| dinero-speaker | $25.00 | $25.00 | 10/26/2010 2:19:10 AM |
| octoberfresh | $25.00 | $25.00 | 10/26/2010 7:03:18 AM |
| head | $25.00 | $25.00 | 10/26/2010 3:17:48 AM |
| liberty-grizzly | $100.00 | $100.00 | 10/26/2010 7:33:22 AM |
| gustavholstopus32 | $25.00 | $25.00 | 10/26/2010 5:57:40 AM |
| patriot897 | $25.00 | $25.00 | 10/26/2010 9:16:25 AM |
| moneytolend72 | $25.00 | $25.00 | 10/26/2010 7:23:24 AM |
| llequire1 | $63.55 | $63.55 | 10/26/2010 8:54:23 AM |
| dollar-doughnut6 | $50.00 | $50.00 | 10/26/2010 10:31:24 AM |
| danerman | $50.00 | $50.00 | 10/26/2010 11:17:42 AM |
| Denver-Rental-Properties | $25.00 | $25.00 | 10/26/2010 12:10:49 PM |
| AM2171 | $25.00 | $25.00 | 10/26/2010 12:52:47 PM |
| dajen1 | $40.00 | $40.00 | 10/26/2010 10:42:15 AM |
| dsgfl1 | $100.00 | $100.00 | 10/26/2010 10:51:30 AM |
| 1SteelerFan | $30.00 | $30.00 | 10/26/2010 11:52:48 AM |
| ctgscott | $25.00 | $25.00 | 10/26/2010 12:01:11 PM |
| bradny | $25.00 | $25.00 | 10/26/2010 1:47:22 PM |
| mri555 | $25.19 | $25.19 | 10/26/2010 2:34:21 PM |
| proaz0119 | $25.00 | $25.00 | 10/26/2010 1:40:06 PM |
| melodious-fairness | $25.00 | $25.00 | 10/26/2010 2:06:31 PM |
| citytreker | $40.00 | $40.00 | 10/26/2010 3:21:52 PM |
| broepke | $25.00 | $25.00 | 10/26/2010 3:01:07 PM |
| TeamN | $50.00 | $50.00 | 10/26/2010 3:18:16 PM |
| welovebutterflies | $25.00 | $25.00 | 10/26/2010 3:20:15 PM |
| ericgassercom | $50.00 | $50.00 | 10/26/2010 3:21:36 PM |
| elfincove | $50.00 | $50.00 | 10/26/2010 3:03:50 PM |
| a-responsible-return | $25.00 | $25.00 | 10/26/2010 3:14:56 PM |
| Damostuff | $25.00 | $25.00 | 10/26/2010 3:15:49 PM |
| Weaverville | $50.00 | $50.00 | 10/19/2010 3:39:52 PM |
| bountiful-durability | $100.00 | $100.00 | 10/19/2010 3:47:02 PM |
| BxRealtor | $25.00 | $25.00 | 10/19/2010 3:47:14 PM |
| ogmanny | $50.00 | $50.00 | 10/19/2010 3:47:44 PM |
| handshake5 | $100.00 | $100.00 | 10/19/2010 3:51:08 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/19/2010 3:48:06 PM |
| authentic-liberty7 | $25.00 | $25.00 | 10/19/2010 3:46:24 PM |
| GElender | $50.00 | $50.00 | 10/19/2010 3:52:10 PM |
| murph0025 | $40.00 | $40.00 | 10/19/2010 3:48:58 PM |
| generous-deal6 | $50.00 | $50.00 | 10/19/2010 3:49:55 PM |
| organized-payment6 | $50.00 | $50.00 | 10/19/2010 3:53:48 PM |
| graceful-investment | $100.00 | $100.00 | 10/19/2010 3:54:49 PM |
| j2ee | $25.00 | $25.00 | 10/19/2010 3:55:58 PM |
| orangetrust | $100.00 | $100.00 | 10/19/2010 3:56:35 PM |
| bid-czar8 | $50.00 | $50.00 | 10/19/2010 3:50:42 PM |
| income-titan8 | $30.00 | $30.00 | 10/19/2010 3:58:05 PM |
| TakeCare | $80.00 | $80.00 | 10/19/2010 3:51:32 PM |
| efficient-treasure0 | $25.00 | $25.00 | 10/19/2010 3:55:02 PM |
| C_Mark | $100.00 | $100.00 | 10/19/2010 3:58:44 PM |
| jazzlender | $25.00 | $25.00 | 10/19/2010 3:55:14 PM |
| Sevron | $100.00 | $100.00 | 10/19/2010 3:52:37 PM |
| mla | $25.00 | $25.00 | 10/19/2010 3:56:55 PM |
| Clambake | $50.00 | $50.00 | 10/19/2010 3:56:24 PM |
| mjunlimited | $50.00 | $50.00 | 10/19/2010 4:00:10 PM |
| hookUup | $75.00 | $75.00 | 10/19/2010 3:57:32 PM |
| lendingfrog | $50.00 | $50.00 | 10/19/2010 4:01:36 PM |
| arenangelchild | $28.45 | $28.45 | 10/19/2010 5:23:52 PM |
| Gabriel02 | $25.00 | $25.00 | 10/19/2010 6:40:04 PM |
| life-is-great | $50.00 | $50.00 | 10/19/2010 7:05:54 PM |
| silver-armada | $50.00 | $50.00 | 10/20/2010 5:04:36 AM |
| JGONZ13850 | $25.00 | $25.00 | 10/20/2010 5:26:13 AM |
| a-finance-nirvana | $25.00 | $25.00 | 10/20/2010 8:36:58 AM |
| JustMee | $25.00 | $25.00 | 10/20/2010 8:49:15 AM |
| BuffetRocks | $50.00 | $50.00 | 10/20/2010 3:46:29 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/20/2010 4:14:18 PM |
| ti22ring | $25.00 | $25.00 | 10/20/2010 4:37:37 PM |
| best-listing-toro | $25.00 | $25.00 | 10/20/2010 5:04:52 PM |
| innocent-income4 | $25.00 | $25.00 | 10/20/2010 5:15:55 PM |
| drsny66 | $59.66 | $59.66 | 10/20/2010 6:14:35 PM |
| kind-value-pouch | $108.00 | $108.00 | 10/20/2010 7:14:31 PM |
| comet55 | $25.00 | $25.00 | 10/21/2010 9:48:20 AM |
| nytrnbow | $25.00 | $25.00 | 10/21/2010 2:42:30 PM |
| Interloper | $29.50 | $29.50 | 10/21/2010 2:42:07 PM |
| 54CHEVY | $50.00 | $50.00 | 10/21/2010 2:47:00 PM |
| equitable-yield4 | $25.00 | $25.00 | 10/21/2010 2:53:19 PM |
| Mark0135 | $50.00 | $50.00 | 10/21/2010 3:02:27 PM |
| availableloan | $25.00 | $25.00 | 10/21/2010 3:21:45 PM |
| forthright-commerce9 | $50.00 | $50.00 | 10/21/2010 5:27:18 PM |
| malar | $50.00 | $50.00 | 10/21/2010 6:58:08 PM |
| SimpleChoice | $25.00 | $25.00 | 10/22/2010 6:52:13 AM |
| escharfer | $25.00 | $25.00 | 10/22/2010 5:35:52 AM |
| loyalist1 | $25.00 | $25.00 | 10/22/2010 4:25:57 AM |
| BuckeyeBanker | $100.00 | $100.00 | 10/22/2010 8:03:15 AM |
| duty-starfish8 | $50.00 | $50.00 | 10/22/2010 10:05:00 AM |
| FigTree | $50.00 | $50.00 | 10/22/2010 10:10:28 AM |
| MoonMama | $25.00 | $25.00 | 10/22/2010 10:14:56 AM |
| ready-vigilance3 | $50.00 | $50.00 | 10/22/2010 10:11:01 AM |
| reueljw | $25.00 | $25.00 | 10/22/2010 10:28:58 AM |
| Tradesmanlender | $25.00 | $25.00 | 10/22/2010 10:26:28 AM |
| srgriff | $25.00 | $25.00 | 10/22/2010 12:24:11 PM |
| AK49-JW | $25.00 | $25.00 | 10/22/2010 11:54:57 AM |
| income-fortress | $25.00 | $25.00 | 10/22/2010 12:25:37 PM |
| auction-formula | $80.00 | $80.00 | 10/22/2010 12:40:34 PM |
| rapid-credit428 | $25.00 | $25.00 | 10/22/2010 1:19:16 PM |
| Wild84Cats | $36.64 | $36.64 | 10/22/2010 12:49:44 PM |
| skuba | $48.47 | $48.47 | 10/22/2010 1:09:35 PM |
| IIP77 | $25.00 | $25.00 | 10/22/2010 3:23:30 PM |
| AlBRich | $25.00 | $25.00 | 10/22/2010 3:07:07 PM |
| FadSaolAgat | $50.00 | $50.00 | 10/22/2010 4:28:37 PM |
| investment-framework | $25.00 | $25.00 | 10/22/2010 5:59:09 PM |
| Tech-Entrepreneur | $25.00 | $25.00 | 10/22/2010 5:45:09 PM |
| Easystreet | $25.00 | $25.00 | 10/22/2010 6:51:13 PM |
| ivadood | $67.16 | $67.16 | 10/22/2010 10:32:16 PM |
| rmachi | $25.00 | $25.00 | 10/23/2010 2:06:57 AM |
| racing777 | $50.00 | $50.00 | 10/22/2010 10:47:44 PM |
| CAGE-Investments | $25.00 | $25.00 | 10/23/2010 3:40:05 AM |
| flwah | $25.00 | $25.00 | 10/23/2010 3:18:42 AM |
| Go_Ducks | $25.00 | $25.00 | 10/23/2010 4:14:43 AM |
| IP | $49.46 | $49.46 | 10/23/2010 8:36:38 AM |
| herbyman | $50.00 | $50.00 | 10/23/2010 8:36:29 AM |
| rawman | $25.00 | $25.00 | 10/23/2010 10:18:12 AM |
| blissful-note7 | $25.00 | $25.00 | 10/23/2010 8:30:47 AM |
| adir1 | $25.00 | $25.00 | 10/23/2010 8:43:08 AM |
| DcUnited | $30.00 | $30.00 | 10/23/2010 8:54:19 AM |
| tearingstar | $25.00 | $25.00 | 10/23/2010 10:51:02 AM |
| investment-artist | $25.00 | $25.00 | 10/23/2010 9:56:55 AM |
| chemistry220 | $50.00 | $50.00 | 10/23/2010 10:34:10 AM |
| upbeat-investment9 | $50.00 | $50.00 | 10/23/2010 2:44:06 PM |
| deal-vibrato | $50.00 | $50.00 | 10/23/2010 12:14:56 PM |
| greenback-bull6 | $47.00 | $47.00 | 10/23/2010 3:34:20 PM |
| katnmouse | $25.00 | $25.00 | 10/23/2010 4:40:40 PM |
| valiant-liberty4 | $50.00 | $50.00 | 10/23/2010 4:06:01 PM |
| groovychick | $25.00 | $25.00 | 10/23/2010 8:37:32 PM |
| diversification-pilot | $25.00 | $25.00 | 10/23/2010 5:03:03 PM |
| supersarah61 | $25.00 | $25.00 | 10/24/2010 12:31:51 AM |
| Rick21 | $25.00 | $25.00 | 10/23/2010 10:10:53 PM |
| wampum-chorus3 | $25.00 | $25.00 | 10/23/2010 9:14:03 PM |
| HalfDayz | $34.56 | $34.56 | 10/24/2010 12:43:10 AM |
| Interstate_Rate | $100.00 | $38.37 | 10/24/2010 8:09:40 AM |
| the-debt-fluffy-bunny | $25.00 | $25.00 | 10/24/2010 9:50:25 AM |
| mhammond | $50.00 | $50.00 | 10/24/2010 9:06:54 AM |
| TrustPlus | $50.00 | $50.00 | 10/24/2010 3:21:06 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 10/24/2010 7:51:53 PM |
| commerceasaurus-rex2 | $25.00 | $25.00 | 10/24/2010 9:23:02 PM |
| Goodthing | $150.00 | $150.00 | 10/24/2010 7:35:18 PM |
| important-ore | $100.00 | $100.00 | 10/25/2010 3:24:06 AM |
| GrayStudio | $25.00 | $25.00 | 10/25/2010 5:35:57 AM |
| 108lender | $40.90 | $40.90 | 10/25/2010 5:25:56 AM |
| Slend49 | $25.00 | $25.00 | 10/25/2010 8:40:56 AM |
| unassassinable | $25.00 | $25.00 | 10/25/2010 9:07:15 AM |
| Peterman | $25.00 | $25.00 | 10/25/2010 8:09:55 AM |
| wwwUniversal | $25.00 | $25.00 | 10/25/2010 9:07:52 AM |
| point-kitten6 | $50.00 | $50.00 | 10/25/2010 9:58:01 AM |
| sarisai | $25.00 | $25.00 | 10/25/2010 10:43:56 AM |
| ansset | $25.00 | $25.00 | 10/25/2010 10:43:49 AM |
| B-rad_the_Coug | $25.00 | $25.00 | 10/25/2010 10:39:50 AM |
| PK_USMC | $25.00 | $25.00 | 10/25/2010 2:17:19 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/25/2010 1:53:16 PM |
| mike_banker | $50.00 | $50.00 | 10/25/2010 2:44:44 PM |
| greenbackapult9 | $25.00 | $25.00 | 10/25/2010 4:50:39 PM |
| rhodylend | $25.00 | $25.00 | 10/25/2010 4:35:55 PM |
| bentheretoo | $450.00 | $450.00 | 10/25/2010 4:43:33 PM |
| repaymeplease | $25.00 | $25.00 | 10/25/2010 4:57:58 PM |
| socal-lender | $25.00 | $25.00 | 10/25/2010 5:14:21 PM |
| gogene2002 | $25.00 | $25.00 | 10/25/2010 5:12:30 PM |
| lucrative-coin | $50.00 | $50.00 | 10/25/2010 6:17:55 PM |
| debt-legend | $25.00 | $25.00 | 10/25/2010 6:18:21 PM |
| Jofga | $25.00 | $25.00 | 10/25/2010 7:19:18 PM |
| james1844 | $25.00 | $25.00 | 10/26/2010 12:46:39 AM |
| planet613 | $45.30 | $45.30 | 10/25/2010 9:21:39 PM |
| CHAZGEO6685 | $35.11 | $35.11 | 10/25/2010 9:54:57 PM |
| Image68 | $25.00 | $25.00 | 10/25/2010 9:00:57 PM |
| forthright-trade | $25.00 | $25.00 | 10/25/2010 9:08:50 PM |
| focused-wampum | $25.00 | $25.00 | 10/26/2010 5:34:16 AM |
| ThompsonCapital | $25.00 | $25.00 | 10/26/2010 12:45:56 AM |
| BankofRon | $25.00 | $25.00 | 10/25/2010 9:57:50 PM |
| hrubinst | $36.76 | $36.76 | 10/26/2010 1:54:00 AM |
| bxdoc | $40.26 | $40.26 | 10/26/2010 2:10:58 AM |
| Phantom99 | $25.00 | $25.00 | 10/26/2010 2:12:44 AM |
| oldman68 | $25.00 | $25.00 | 10/26/2010 8:12:56 AM |
| orbital-gain | $50.00 | $50.00 | 10/26/2010 8:32:35 AM |
| durability-halibut | $25.00 | $25.00 | 10/26/2010 7:12:25 AM |
| orange-dollar-guild | $25.00 | $25.00 | 10/26/2010 7:31:31 AM |
| techreseller | $50.00 | $50.00 | 10/26/2010 8:11:34 AM |
| accelerator1 | $25.00 | $25.00 | 10/26/2010 7:15:36 AM |
| friendinmoney | $25.00 | $25.00 | 10/26/2010 10:20:08 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/26/2010 10:27:13 AM |
| bonus-maximizer919 | $50.00 | $50.00 | 10/26/2010 9:43:35 AM |
| historic-loan1 | $25.00 | $25.00 | 10/26/2010 9:44:33 AM |
| rbotterbLLC | $25.00 | $25.00 | 10/26/2010 10:06:38 AM |
| UBOtto186 | $75.00 | $75.00 | 10/26/2010 10:12:55 AM |
| encore02 | $100.00 | $100.00 | 10/26/2010 11:46:57 AM |
| mpincal | $100.00 | $100.00 | 10/26/2010 11:54:06 AM |
| grampy48 | $25.00 | $25.00 | 10/26/2010 2:04:18 PM |
| khamen | $25.00 | $25.00 | 10/26/2010 2:59:28 PM |
| dkmnygvr | $50.00 | $50.00 | 10/26/2010 3:16:13 PM |
| zeelender | $25.00 | $25.00 | 10/26/2010 3:01:19 PM |
| WxChem | $38.15 | $38.15 | 10/26/2010 3:27:43 PM |
| tsquared_030 | $31.94 | $31.94 | 10/26/2010 3:16:50 PM |
| nicklds | $25.00 | $25.00 | 10/26/2010 3:21:32 PM |
| Ven58 | $25.00 | $25.00 | 10/26/2010 3:22:37 PM |
| iolaire | $25.00 | $25.00 | 10/26/2010 3:24:29 PM |
| 346 bids
|
Borrower Payment Dependent Notes Series
480710
This series of Notes was issued and sold upon the funding of the borrower loan #45163, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-25-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $308.20 |
| |
|
Auction yield range:
| 10.71% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
7 | Length of status: | 30y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,830 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| leverage-laser |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? pay off credit cards
My financial situation:
I am a good candidate for this loan because? I am credit worthy, have a good job for 30+ years
Monthly net income: $ 4188.33
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| handshake5 | $100.00 | $100.00 | 10/25/2010 3:27:25 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/25/2010 3:24:57 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/25/2010 3:32:02 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/26/2010 8:30:53 AM |
| shmb6508 | $28.01 | $28.01 | 10/27/2010 12:36:18 PM |
| teller | $50.00 | $50.00 | 10/27/2010 4:23:40 PM |
| musegaze | $100.00 | $100.00 | 10/27/2010 4:24:28 PM |
| skuba | $25.00 | $25.00 | 10/27/2010 4:24:19 PM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 9:33:47 AM |
| Comoparklender | $50.00 | $50.00 | 10/29/2010 12:29:14 PM |
| sagan | $25.00 | $25.00 | 10/29/2010 9:47:31 AM |
| saxaphone6 | $25.00 | $25.00 | 10/29/2010 9:59:45 AM |
| orange-preeminant-bill | $50.00 | $50.00 | 10/29/2010 2:34:33 PM |
| HedgeFund | $50.00 | $50.00 | 10/29/2010 2:37:14 PM |
| djindepth | $50.00 | $50.00 | 10/29/2010 2:39:27 PM |
| happy-return4 | $49.97 | $49.97 | 10/29/2010 2:58:10 PM |
| red-power-pecan | $50.00 | $50.00 | 10/29/2010 2:32:56 PM |
| MadHun | $100.00 | $100.00 | 10/29/2010 2:40:06 PM |
| JJ9876 | $25.00 | $25.00 | 10/29/2010 2:40:17 PM |
| treasure-bliss | $50.00 | $50.00 | 10/29/2010 2:34:29 PM |
| Wizard2 | $50.00 | $50.00 | 10/29/2010 2:40:28 PM |
| bzlbub | $25.00 | $25.00 | 10/29/2010 2:35:29 PM |
| jigsaw | $50.00 | $50.00 | 10/29/2010 2:35:56 PM |
| new-social-economist | $60.00 | $60.00 | 10/29/2010 2:39:05 PM |
| jobani | $30.00 | $30.00 | 10/29/2010 2:39:09 PM |
| gqrob | $30.00 | $30.00 | 10/29/2010 2:40:47 PM |
| Investoman | $25.00 | $25.00 | 10/29/2010 7:08:05 PM |
| Hambone1111 | $25.00 | $25.00 | 10/29/2010 3:10:57 PM |
| palpbert | $25.00 | $25.00 | 10/30/2010 2:01:08 AM |
| DUDE66 | $34.88 | $34.88 | 10/30/2010 2:42:09 AM |
| GElender | $50.00 | $50.00 | 10/29/2010 3:51:30 PM |
| macgeek | $31.47 | $31.47 | 10/30/2010 3:06:58 AM |
| SolarMoonshine | $50.00 | $50.00 | 10/29/2010 4:23:55 PM |
| terrific-yield6 | $25.00 | $25.00 | 10/29/2010 7:35:26 PM |
| IIP77 | $25.00 | $25.00 | 10/29/2010 5:39:36 PM |
| b-rent | $25.00 | $25.00 | 10/29/2010 5:40:09 PM |
| financial-frenzy | $27.09 | $27.09 | 10/30/2010 4:34:27 AM |
| FeedTheMachine | $50.00 | $50.00 | 10/29/2010 7:28:06 PM |
| Digs | $25.00 | $25.00 | 10/30/2010 1:41:18 AM |
| kscc183 | $25.00 | $25.00 | 10/30/2010 2:00:57 AM |
| rokdim | $32.85 | $32.85 | 10/29/2010 8:58:17 PM |
| mvalley | $25.54 | $25.54 | 10/30/2010 2:37:02 AM |
| imlosttoo | $25.00 | $25.00 | 10/30/2010 3:08:20 AM |
| a275ranger | $25.93 | $25.93 | 10/30/2010 3:34:16 AM |
| S-Master | $50.00 | $50.00 | 10/30/2010 3:35:38 AM |
| flwah | $25.00 | $25.00 | 10/30/2010 3:41:13 AM |
| Dhuri | $38.52 | $38.52 | 10/30/2010 3:41:43 AM |
| bountiful-durability | $31.50 | $31.50 | 10/30/2010 3:42:12 AM |
| hope-eagle6 | $25.00 | $25.00 | 10/30/2010 4:02:04 AM |
| foxtrot12 | $50.00 | $50.00 | 10/30/2010 1:36:33 AM |
| piter-to-la-investment | $25.00 | $25.00 | 10/30/2010 4:34:51 AM |
| dartmouth99 | $25.00 | $25.00 | 10/30/2010 2:02:36 AM |
| divedude | $33.51 | $33.51 | 10/30/2010 2:08:40 AM |
| active-market | $28.47 | $28.47 | 10/30/2010 5:09:35 AM |
| escharfer | $25.00 | $25.00 | 10/30/2010 8:33:52 AM |
| NoMoreDebt4Me | $25.00 | $25.00 | 10/30/2010 2:36:22 AM |
| LAM26 | $25.00 | $25.00 | 10/30/2010 3:35:47 AM |
| All_Wins | $25.00 | $25.00 | 10/30/2010 4:00:56 AM |
| bnlforever | $25.00 | $25.00 | 10/30/2010 4:02:32 AM |
| bid-papyrus | $25.00 | $25.00 | 10/30/2010 4:03:40 AM |
| p2ploan-bliss | $25.00 | $25.00 | 10/30/2010 11:06:35 AM |
| all_of_that_one | $40.00 | $40.00 | 10/30/2010 11:43:56 AM |
| randsenterprise | $25.00 | $25.00 | 10/30/2010 8:33:43 AM |
| contract-boomerang | $25.00 | $25.00 | 10/30/2010 9:43:02 AM |
| lcole32 | $25.00 | $25.00 | 10/30/2010 8:18:02 AM |
| MarinLoans | $25.00 | $25.00 | 10/30/2010 9:18:32 AM |
| global1adventurer | $25.00 | $25.00 | 10/30/2010 7:58:10 PM |
| jubilant-auction5 | $25.00 | $25.00 | 10/30/2010 8:27:57 PM |
| IntrepidInvestment | $25.00 | $25.00 | 10/30/2010 11:33:54 AM |
| lagnisiruk | $25.00 | $25.00 | 10/30/2010 11:43:54 AM |
| kulender | $100.00 | $100.00 | 10/31/2010 8:17:14 AM |
| WorldlyWorker | $25.00 | $25.00 | 10/30/2010 6:33:07 PM |
| cropdust3r | $25.00 | $25.00 | 10/31/2010 11:08:02 AM |
| bodascafe | $25.00 | $25.00 | 10/30/2010 7:37:58 PM |
| mike279766 | $25.00 | $25.00 | 10/31/2010 7:11:15 AM |
| onlyinchicago | $50.00 | $50.00 | 10/31/2010 7:13:03 AM |
| foldingbenny2 | $40.00 | $40.00 | 10/31/2010 12:00:28 PM |
| leverage-monger | $25.00 | $25.00 | 10/31/2010 9:39:01 AM |
| martinatime | $25.00 | $25.00 | 10/31/2010 2:07:59 PM |
| jcholloway831 | $25.00 | $25.00 | 11/1/2010 6:58:03 AM |
| calinno2 | $25.00 | $25.00 | 11/1/2010 1:17:59 AM |
| jlofgren | $25.00 | $25.00 | 11/1/2010 8:43:57 AM |
| DeutscheBank | $25.00 | $25.00 | 11/1/2010 7:29:01 AM |
| worthy-bid4 | $100.00 | $100.00 | 11/1/2010 9:28:17 AM |
| calkidd05 | $25.00 | $25.00 | 11/1/2010 12:13:47 PM |
| traice | $25.00 | $25.00 | 11/1/2010 9:34:59 AM |
| lostontheedge | $25.00 | $25.00 | 11/1/2010 9:40:45 AM |
| tech310 | $25.00 | $25.00 | 11/1/2010 10:07:23 AM |
| jstnow | $25.00 | $25.00 | 11/1/2010 12:22:34 PM |
| larrybird | $150.00 | $150.00 | 11/1/2010 11:41:46 AM |
| kaykarun | $25.00 | $25.00 | 11/1/2010 12:31:19 PM |
| Asailorman | $50.00 | $50.00 | 11/1/2010 12:09:01 PM |
| selfmademan | $25.00 | $25.00 | 11/1/2010 12:31:29 PM |
| KRLFS | $70.00 | $70.00 | 11/1/2010 1:32:38 PM |
| FinanceGuy123 | $38.15 | $38.15 | 11/1/2010 12:44:59 PM |
| compassion-accelerator | $25.00 | $25.00 | 11/1/2010 2:10:59 PM |
| wwwUniversal | $25.00 | $25.00 | 11/1/2010 1:53:51 PM |
| bid-czar8 | $25.00 | $25.00 | 10/25/2010 3:33:28 PM |
| inspiring-reward | $100.00 | $100.00 | 10/25/2010 3:43:43 PM |
| NoCal | $30.00 | $30.00 | 10/26/2010 5:17:41 PM |
| suave-dime6 | $25.00 | $25.00 | 10/26/2010 6:03:39 PM |
| frogperson | $150.00 | $150.00 | 10/26/2010 9:54:04 PM |
| TakeCare | $60.00 | $60.00 | 10/27/2010 4:24:14 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:04:49 PM |
| asiaratt | $50.00 | $50.00 | 10/28/2010 10:05:40 PM |
| point-kitten6 | $50.00 | $50.00 | 10/29/2010 6:33:49 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:43:30 AM |
| profitable-return5 | $25.00 | $25.00 | 10/29/2010 2:35:33 PM |
| Wellman | $50.00 | $50.00 | 10/29/2010 2:36:04 PM |
| Easystreet | $25.00 | $25.00 | 10/29/2010 2:36:51 PM |
| Trevor_C | $25.00 | $25.00 | 10/29/2010 2:38:57 PM |
| rvfbroker | $25.00 | $25.00 | 10/29/2010 2:40:49 PM |
| momoney2lend | $25.00 | $25.00 | 10/29/2010 12:29:12 PM |
| CC911 | $25.00 | $25.00 | 10/29/2010 2:58:48 PM |
| credible-balance0 | $25.00 | $25.00 | 10/29/2010 12:30:54 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/29/2010 2:35:41 PM |
| graceful-investment | $39.86 | $39.86 | 10/29/2010 2:16:26 PM |
| turbobrat | $50.00 | $50.00 | 10/29/2010 2:39:00 PM |
| shrewd-peace7 | $50.00 | $50.00 | 10/29/2010 2:32:50 PM |
| neutrino6 | $25.00 | $25.00 | 10/29/2010 2:35:37 PM |
| natural-affluence6 | $25.00 | $25.00 | 10/29/2010 2:38:13 PM |
| noble-revenue | $93.23 | $93.23 | 10/29/2010 3:08:04 PM |
| famous-bill | $25.00 | $25.00 | 10/29/2010 2:40:35 PM |
| orangetrust | $50.00 | $50.00 | 10/29/2010 2:40:41 PM |
| YellowJacket | $25.00 | $25.00 | 10/29/2010 2:57:49 PM |
| chemistry220 | $50.00 | $50.00 | 10/29/2010 3:28:05 PM |
| asmithj | $44.24 | $44.24 | 10/29/2010 6:03:22 PM |
| kind-bill-supporter | $41.46 | $41.46 | 10/29/2010 3:09:16 PM |
| money-bauble | $25.00 | $25.00 | 10/29/2010 3:10:40 PM |
| 108lender | $80.00 | $80.00 | 10/30/2010 1:09:34 AM |
| totoro | $25.00 | $25.00 | 10/30/2010 1:30:33 AM |
| KiwiElf | $30.00 | $30.00 | 10/30/2010 1:40:26 AM |
| zeelender | $25.00 | $25.00 | 10/30/2010 1:41:26 AM |
| newgroom422 | $25.00 | $25.00 | 10/30/2010 2:07:44 AM |
| seisen | $100.00 | $100.00 | 10/30/2010 2:42:13 AM |
| A007 | $27.68 | $27.68 | 10/30/2010 3:08:49 AM |
| payment-gusto | $25.00 | $25.00 | 10/29/2010 4:05:09 PM |
| andycheb | $33.00 | $33.00 | 10/30/2010 3:28:32 AM |
| tsquared_030 | $25.00 | $25.00 | 10/30/2010 3:34:22 AM |
| delivery | $25.00 | $25.00 | 10/30/2010 3:41:03 AM |
| crenen139 | $25.00 | $25.00 | 10/30/2010 3:42:16 AM |
| ElAbel11 | $25.00 | $25.00 | 10/30/2010 3:56:23 AM |
| unrivaled-justice | $25.00 | $25.00 | 10/30/2010 4:29:29 AM |
| lendme2 | $50.00 | $50.00 | 10/30/2010 1:41:01 AM |
| Sateesh | $100.00 | $100.00 | 10/30/2010 2:09:09 AM |
| burrito6 | $25.00 | $25.00 | 10/29/2010 9:04:36 PM |
| MissionMicroFinance | $25.00 | $25.00 | 10/30/2010 3:07:42 AM |
| Zingaro | $25.00 | $25.00 | 10/30/2010 3:08:44 AM |
| leverage-monger | $25.00 | $25.00 | 10/30/2010 7:53:08 AM |
| ArmyGuy | $25.00 | $25.00 | 10/30/2010 7:53:32 AM |
| bronzmajom | $25.00 | $25.00 | 10/30/2010 4:01:24 AM |
| income-excellence1 | $50.00 | $50.00 | 10/30/2010 4:02:28 AM |
| zorg77 | $25.00 | $25.00 | 10/30/2010 1:36:39 AM |
| LenderByDay | $25.00 | $25.00 | 10/30/2010 1:39:46 AM |
| ITExec | $40.13 | $40.13 | 10/30/2010 2:07:16 AM |
| wampum-chorus3 | $25.00 | $25.00 | 10/30/2010 5:07:00 AM |
| inkplj | $28.74 | $28.74 | 10/30/2010 3:36:05 AM |
| ofern01 | $25.00 | $25.00 | 10/30/2010 3:42:19 AM |
| saffron4 | $25.00 | $25.00 | 10/30/2010 4:02:30 AM |
| jo2y | $25.00 | $25.00 | 10/30/2010 4:07:38 AM |
| psa1995 | $25.00 | $25.00 | 10/30/2010 8:01:32 AM |
| soulwork | $25.00 | $25.00 | 10/30/2010 11:43:50 AM |
| mdf | $50.00 | $50.00 | 10/30/2010 9:59:04 AM |
| capital-web193 | $39.54 | $39.54 | 10/30/2010 10:04:58 AM |
| deal-pinnacle7 | $33.00 | $33.00 | 10/30/2010 11:43:53 AM |
| social-conductor4 | $25.00 | $25.00 | 10/30/2010 8:41:38 PM |
| Katieo | $25.00 | $25.00 | 10/30/2010 1:38:01 PM |
| generous-deal6 | $25.00 | $25.00 | 10/30/2010 5:25:56 PM |
| economy-popcorn | $25.00 | $25.00 | 10/30/2010 8:43:30 PM |
| Gladglide | $30.00 | $30.00 | 10/31/2010 12:03:09 PM |
| CaboWaboRobo | $25.00 | $25.00 | 10/31/2010 2:32:41 PM |
| mla | $25.00 | $25.00 | 10/31/2010 2:36:24 PM |
| bigredbus | $28.79 | $28.79 | 10/31/2010 1:23:12 PM |
| Pitufo | $50.00 | $50.00 | 10/31/2010 2:32:12 PM |
| Sykes66 | $25.00 | $25.00 | 10/31/2010 2:08:00 PM |
| runner262 | $25.00 | $25.00 | 10/31/2010 2:33:32 PM |
| orange-dollar-guild | $25.00 | $25.00 | 11/1/2010 6:58:59 AM |
| Ducatiman1978 | $25.00 | $25.00 | 11/1/2010 8:49:36 AM |
| Bob450 | $25.00 | $25.00 | 10/31/2010 10:56:37 PM |
| nickel-hickory | $50.00 | $50.00 | 10/31/2010 11:48:04 PM |
| thatguyoverseas | $30.00 | $30.00 | 11/1/2010 6:13:21 AM |
| gustavzantanon | $29.57 | $29.57 | 11/1/2010 10:03:41 AM |
| golden-cat | $25.00 | $25.00 | 11/1/2010 7:14:45 AM |
| power-secret-agent | $25.00 | $25.00 | 11/1/2010 11:31:04 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 9:38:46 AM |
| revenue-achievement | $25.00 | $24.55 | 11/1/2010 12:40:00 PM |
| lending-bear | $25.00 | $25.00 | 11/1/2010 11:04:10 AM |
| income-rocker2 | $65.32 | $65.32 | 11/1/2010 11:25:29 AM |
| anton | $300.00 | $300.00 | 11/1/2010 12:31:17 PM |
| EngineersAlliance | $25.00 | $25.00 | 11/1/2010 12:33:46 PM |
| grampy48 | $25.00 | $25.00 | 11/1/2010 2:04:43 PM |
| 191 bids
|
Borrower Payment Dependent Notes Series
480810
This series of Notes was issued and sold upon the funding of the borrower loan #45171, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Oct-20-2010 |
| |
Auction end date:
| Oct-27-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 39.15% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Feb-1964 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
7 | Length of status: | 20y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,386 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| inventive-camaraderi5 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Hospital Bill
Purpose of loan: Hospital Bill
My financial situation I am a good candidate for this loan because?I'm an extremely honest and work hard to provide for my family. Most of my time is spent teaching my son who has Aspergers Syndrome, high functioning autism, to be a responsible & productive teenager, so he will be one when he's an adult.
Monthly net income: $ 6,500
Monthly expenses: $
??Housing: $2,200
??Insurance:$150
??Car expenses: $250
??Utilities: $280
??Phone, cable, internet: $145
??Food, entertainment: $350
??Clothing, household expenses $
??Credit cards and other loans: $1200
??Other expenses: $300
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 give some information on the delinquencies? Thank you. - Mocaba
A:
I was out of work and fell behind on my bills. I put myself on plans with my cc company's and had my mortgage modified since and have caught up with all but 2 bills which I should be caught up by the end of 2010. Hope this helps.
(Oct-26-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 10/20/2010 3:04:09 PM |
| bassman2 | $25.00 | $25.00 | 10/20/2010 3:24:04 PM |
| imlosttoo | $25.00 | $25.00 | 10/20/2010 3:24:20 PM |
| cablenews | $25.00 | $25.00 | 10/20/2010 3:40:03 PM |
| Diamond_Jim | $25.00 | $25.00 | 10/20/2010 3:59:54 PM |
| moola-trumpeter | $50.00 | $50.00 | 10/20/2010 4:31:50 PM |
| svandgts | $25.00 | $25.00 | 10/20/2010 4:32:58 PM |
| lowlite6647 | $25.00 | $25.00 | 10/20/2010 4:32:44 PM |
| marketplace-buckeye | $50.00 | $50.00 | 10/20/2010 4:34:04 PM |
| rolo12 | $50.00 | $50.00 | 10/20/2010 9:48:10 PM |
| selfmademan | $25.00 | $25.00 | 10/21/2010 1:31:14 AM |
| Sokarnox | $25.00 | $25.00 | 10/21/2010 9:44:59 AM |
| mrxtravis | $50.00 | $50.00 | 10/26/2010 4:48:19 PM |
| mohara25 | $105.18 | $105.18 | 10/27/2010 9:05:52 AM |
| Leshan | $25.00 | $25.00 | 10/27/2010 8:12:42 AM |
| dime-capo | $100.00 | $100.00 | 10/27/2010 10:07:11 AM |
| victor111 | $25.00 | $25.00 | 10/27/2010 9:00:30 AM |
| unger | $110.00 | $110.00 | 10/27/2010 11:08:27 AM |
| aquistoyraul | $25.00 | $25.00 | 10/27/2010 1:28:24 PM |
| Moe87 | $25.00 | $25.00 | 10/27/2010 1:33:21 PM |
| Gibbyland | $50.00 | $50.00 | 10/20/2010 3:24:22 PM |
| villagers | $25.00 | $25.00 | 10/20/2010 3:42:52 PM |
| nybanker85 | $25.00 | $25.00 | 10/20/2010 4:00:18 PM |
| noble-revenue | $50.00 | $50.00 | 10/20/2010 4:00:42 PM |
| HHP | $25.00 | $25.00 | 10/20/2010 4:33:58 PM |
| zone6 | $38.58 | $38.58 | 10/20/2010 7:21:23 PM |
| special-currency6 | $25.00 | $25.00 | 10/20/2010 5:21:59 PM |
| loan-kung-fu | $25.00 | $25.00 | 10/20/2010 7:59:02 PM |
| engrossing-commerce | $25.00 | $25.00 | 10/20/2010 9:48:07 PM |
| swoosh | $25.00 | $25.00 | 10/20/2010 9:48:39 PM |
| Rob717171 | $25.00 | $25.00 | 10/21/2010 1:34:16 AM |
| gustavzantanon | $25.00 | $25.00 | 10/21/2010 7:51:09 AM |
| valiant-liberty4 | $25.00 | $0.14 | 10/22/2010 11:13:36 AM |
| vine99 | $40.00 | $40.00 | 10/24/2010 3:10:24 PM |
| just-point | $25.00 | $25.00 | 10/26/2010 4:21:14 PM |
| feb217 | $25.00 | $25.00 | 10/27/2010 1:45:04 AM |
| dudebrah | $25.00 | $25.00 | 10/27/2010 10:58:38 AM |
| coin-amigo | $26.10 | $26.10 | 10/27/2010 9:58:37 AM |
| Cawse | $25.00 | $25.00 | 10/27/2010 11:15:12 AM |
| EretzCapital | $25.00 | $25.00 | 10/27/2010 10:55:37 AM |
| xiobus | $25.00 | $25.00 | 10/27/2010 11:48:07 AM |
| pellet | $80.00 | $80.00 | 10/27/2010 2:28:57 PM |
| 42 bids
|
Borrower Payment Dependent Notes Series
481382
This series of Notes was issued and sold upon the funding of the borrower loan #45151, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.25% |
Auction start date:
| Oct-25-2010 |
| |
Auction end date:
| Oct-27-2010 |
|
|
Starting lender yield:
| 9.55% |
Starting borrower rate/APR:
| 10.55% / 14.12% |
Starting monthly payment:
| $48.79 |
|
Final lender yield:
| 9.55% |
Final borrower rate/APR:
| 10.55% / 14.12% |
Final monthly payment:
| $48.79 |
| |
|
Auction yield range:
| 3.71% - 9.55% |
Estimated loss impact:
| 3.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 1/ 4 |
Revolving credit balance:
| $9,041 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| red-benefit-temple |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 8 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $7,200.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2010)
700-719
(Sep-2009)
|
|
Principal balance:
| $3,562.63 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Just a Safety measure
Purpose of loan:
This loan will be used?just in case.? I have a colonoscopy next month and I want to have something in case the new?world of health insurance steps in.? I do have coverage so if everything remains status quo, I will immediately?repay the?loan??
My financial situation:
I am a good candidate for this loan because I paid my first prosper loan back early and the second one will be repaid in full in 45 days.? This is so much easier than dealing with a bank.? Thank you prosper lenders!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| williemc44 | $50.00 | $50.00 | 10/25/2010 3:11:28 PM |
| Weaverville | $50.00 | $50.00 | 10/25/2010 3:09:43 PM |
| ogmanny | $50.00 | $50.00 | 10/25/2010 3:23:45 PM |
| mjunlimited | $50.00 | $50.00 | 10/25/2010 3:24:35 PM |
| exchange-squirrel | $25.00 | $25.00 | 10/25/2010 3:19:48 PM |
| jazzlender | $50.00 | $50.00 | 10/25/2010 3:26:13 PM |
| teller | $50.00 | $50.00 | 10/25/2010 3:24:13 PM |
| ray1051 | $75.00 | $75.00 | 10/25/2010 3:28:54 PM |
| bicyclist2270 | $25.00 | $25.00 | 10/25/2010 3:29:08 PM |
| organized-payment6 | $50.00 | $50.00 | 10/25/2010 3:21:14 PM |
| skuba | $25.00 | $25.00 | 10/25/2010 3:37:03 PM |
| alpinaut | $25.00 | $25.00 | 10/25/2010 3:42:18 PM |
| rescue | $100.00 | $100.00 | 10/25/2010 3:34:52 PM |
| handshake5 | $100.00 | $3.26 | 10/25/2010 3:43:30 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/25/2010 3:38:23 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/25/2010 4:21:07 PM |
| wwwUniversal | $25.00 | $25.00 | 10/25/2010 6:07:29 PM |
| bondhedger | $25.00 | $25.00 | 10/26/2010 12:25:46 AM |
| economy-spy6 | $50.00 | $50.00 | 10/26/2010 12:24:22 AM |
| heerzaquestion | $25.00 | $25.00 | 10/26/2010 7:12:46 AM |
| outofoffice | $75.00 | $75.00 | 10/26/2010 7:19:38 AM |
| saraven01 | $31.74 | $31.74 | 10/27/2010 2:14:37 AM |
| shellstar | $25.00 | $25.00 | 10/27/2010 1:07:19 PM |
| buukyak | $25.00 | $25.00 | 10/25/2010 3:02:31 PM |
| GElender | $75.00 | $75.00 | 10/25/2010 3:10:56 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/25/2010 3:27:02 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/25/2010 3:25:32 PM |
| bountiful-durability | $100.00 | $100.00 | 10/25/2010 3:37:49 PM |
| Banker7371 | $25.00 | $25.00 | 10/25/2010 3:40:25 PM |
| tenacious-compassion9 | $25.00 | $25.00 | 10/25/2010 3:40:35 PM |
| newest-bountiful-basis | $25.00 | $25.00 | 10/25/2010 3:37:18 PM |
| BxRealtor | $25.00 | $25.00 | 10/25/2010 3:37:33 PM |
| valiant-liberty4 | $50.00 | $50.00 | 10/25/2010 3:40:11 PM |
| ttnk62918 | $25.00 | $25.00 | 10/25/2010 4:08:40 PM |
| platinum-hunter7 | $35.00 | $35.00 | 10/25/2010 4:22:02 PM |
| jresu537 | $30.00 | $30.00 | 10/25/2010 9:49:25 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/26/2010 12:47:32 PM |
| a8h8a8 | $25.00 | $25.00 | 10/27/2010 10:28:01 AM |
| 38 bids
|
Borrower Payment Dependent Notes Series
481754
This series of Notes was issued and sold upon the funding of the borrower loan #45146, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Oct-27-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.49% |
Starting monthly payment:
| $67.30 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.49% |
Final monthly payment:
| $67.30 |
| |
|
Auction yield range:
| 13.71% - 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:
| Feb-1984 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 27
/
24 | Length of status: | 12y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 72 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $82,137 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sincere-euro7 |
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
saturn
Purpose of loan:
This loan will be used to?pay unexpected repairs
My financial situation:
I am a good candidate for this loan because?i am a responsible and trustworthy individual
Monthly net income: $ 7,400
Monthly expenses: $
??Housing: $ 1200
??Insurance: $
??Car expenses: $?800
??????Utilities: $ 100
??Phone, cable, internet: $?80
??Food, entertainment: $?300
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radiant-loan5 | $200.00 | $200.00 | 10/27/2010 3:06:47 PM |
| bid-czar8 | $25.00 | $25.00 | 10/27/2010 4:31:05 PM |
| suave-dime6 | $50.00 | $50.00 | 10/27/2010 4:30:38 PM |
| handshake5 | $56.00 | $56.00 | 10/28/2010 7:10:46 AM |
| balance-handshake7 | $25.00 | $25.00 | 10/28/2010 10:32:36 AM |
| Diamond_Jim | $25.00 | $25.00 | 10/28/2010 1:34:23 PM |
| inspiring-reward | $100.00 | $100.00 | 10/28/2010 2:37:47 PM |
| special-currency6 | $25.00 | $25.00 | 10/28/2010 2:39:39 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/29/2010 3:12:42 PM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:31:00 AM |
| ttnk62918 | $25.00 | $25.00 | 10/30/2010 9:34:53 PM |
| Bob450 | $25.00 | $25.00 | 10/31/2010 10:55:38 PM |
| noble-revenue | $50.00 | $50.00 | 10/27/2010 3:55:15 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/27/2010 3:09:50 PM |
| villagers | $25.00 | $25.00 | 10/27/2010 4:18:52 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/27/2010 4:22:24 PM |
| Comoparklender | $25.00 | $25.00 | 10/28/2010 2:28:57 AM |
| washboard1 | $39.58 | $39.58 | 10/28/2010 1:21:36 PM |
| Artist_Blue | $25.00 | $25.00 | 10/28/2010 12:35:44 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/28/2010 2:39:43 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:05:52 PM |
| parsec9 | $25.00 | $25.00 | 10/29/2010 12:54:26 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:45:03 AM |
| leverage-monger | $47.00 | $47.00 | 10/29/2010 8:41:08 AM |
| Whipster | $25.00 | $25.00 | 10/30/2010 2:08:08 AM |
| ZPBSFinancialGroup | $25.00 | $25.00 | 10/30/2010 3:37:47 PM |
| momentous-value | $25.00 | $25.00 | 10/30/2010 11:57:06 AM |
| wwwUniversal | $25.00 | $7.42 | 10/31/2010 9:48:26 PM |
| One_Lolo | $25.00 | $25.00 | 10/31/2010 9:48:20 PM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:44:20 PM |
| Evolver | $50.00 | $50.00 | 10/31/2010 9:48:20 PM |
| buffalobills | $25.00 | $25.00 | 11/1/2010 8:21:51 AM |
| 32 bids
|