Sales Report:Supplement No. 72 dated Nov 09, 2010 to Prospectus dated Jul 26, 2010
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 26, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 480761
This series of Notes was issued and sold upon the funding of the borrower loan #45217, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,999.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Oct-21-2010 
  Auction end date:  Oct-28-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.13
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 10.08% Final monthly payment: $156.65
 
Auction yield range: 3.71% - 34.00% Estimated loss impact: 3.51%  
Lender servicing fee: 1.00% Estimated return: 3.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1993 Debt/Income ratio: 2%
Credit score: 860-879 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:16y 9m
Amount delinquent: $0 Total credit lines: 21 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $169Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: Military-2-Military Borrower's state: Connecticut Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Lender Learning About Borrowing
Purpose of loan:
This loan will be used to see how Prosper works on the Borrowing side of the house. I considered requesting 1K but figured I?d make the credit inquiry worth it. This loan amount is approximately 1/10 the amount I have invested in prosper. Prosper only considers me an A credit rating seems a little odd I wonder what is required for AA. I?d also like to prove that prosper can beat traditional lending institutions interest?s rates. I will let the highest $ bidder choose the repayment terms either immediate repayment or the full 3 year term if I except the loan.

My financial situation:
I am a good candidate for this loan because I have steady employment and income as an Officer in the US Army. We live well within our means. Loans don?t get much safer than this.Combined Monthly Take Home Income: $10,854

Combined Monthly Expenses: $5,100

I am a lender no description I have good credit car repair taxes cashcall vacation accident lower interest reinvest please help my name is relist university payday divorce medical bills student loan college high interest consolidate thank youbusiness bills refinance
Information in the Description is not verified.
Friends And Family Winning Bids
MilitaryLending has bid a total of $100.00 in winning bids.
"Easy money!"
JGuide has bid a total of $476.79 in winning bids.
"A sure thing!"
loan-kung-fu has bid a total of $1,803.99 in winning bids.
3 friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Jinja$50.00$50.0010/21/2010 10:18:50 AM
beachfunder$25.00$25.0010/21/2010 1:08:54 PM
loan-kung-fu$1,803.99$1,803.9910/21/2010 2:11:45 PM
TJGbank$25.00$25.0010/21/2010 3:04:05 PM
loanman2007$50.00$50.0010/22/2010 7:40:08 AM
JeramyU$75.00$75.0010/22/2010 10:38:03 AM
calkidd05$35.00$35.0010/22/2010 1:22:05 PM
a2190b$25.00$25.0010/22/2010 5:35:04 PM
lendstats_com$195.31$195.3110/23/2010 7:35:05 AM
Octamer$50.00$50.0010/23/2010 9:55:16 AM
lenderrn$50.00$50.0010/23/2010 10:00:29 AM
nimcha$50.00$50.0010/23/2010 10:02:55 AM
warew$25.00$25.0010/23/2010 10:13:31 AM
loanman2007$50.00$50.0010/24/2010 12:06:36 PM
Champ3295$25.00$25.0010/26/2010 8:04:42 AM
slxvq$50.00$50.0010/26/2010 5:19:52 PM
PrepWonder$100.00$100.0010/26/2010 8:03:42 PM
lasalsa03$26.00$26.0010/27/2010 4:51:37 AM
accelerator1$50.00$50.0010/27/2010 7:29:07 AM
GarciaCompany$29.54$29.5410/27/2010 11:43:25 AM
marwadi-62$300.00$300.0010/27/2010 12:55:41 PM
r1w$50.00$50.0010/27/2010 3:15:29 PM
LenderMatt$25.00$25.0010/27/2010 3:19:06 PM
a2190b$25.00$25.0010/27/2010 4:52:47 PM
repaymeplease$25.00$25.0010/27/2010 6:53:20 PM
Jakes_Bank$25.00$25.0010/28/2010 5:27:36 AM
myidear$25.00$25.0010/28/2010 1:25:03 AM
JerryB96$25.00$25.0010/27/2010 9:51:57 PM
debt-legend$25.00$25.0010/27/2010 11:20:21 PM
Firescreek$75.00$75.0010/28/2010 8:21:01 AM
friendinmoney$25.00$25.0010/28/2010 9:01:29 AM
rate-negotiator$25.00$25.0010/28/2010 8:19:29 AM
manugee$50.00$50.0010/28/2010 8:27:02 AM
cashhelp$50.00$50.0010/21/2010 9:52:54 AM
JGuide$101.99$101.9910/21/2010 10:19:44 AM
investment-artist$25.00$25.0010/21/2010 12:01:01 PM
lawboy74$25.00$25.0010/21/2010 12:22:17 PM
MilitaryLending$100.00$100.0010/21/2010 1:21:49 PM
Integrity1st$25.00$25.0010/21/2010 5:02:30 PM
Integrity1st$25.00$25.0010/21/2010 5:03:34 PM
gpuck$50.00$50.0010/21/2010 6:14:38 PM
interstellar$50.00$50.0010/22/2010 2:27:55 AM
jpaulnyc$62.37$62.3710/22/2010 9:14:02 AM
Socorro_Capital_Partners$25.00$25.0010/22/2010 9:56:05 AM
Madmigel$25.00$25.0010/22/2010 4:07:47 PM
a2190b$25.00$25.0010/24/2010 11:59:20 AM
quantumwellguy$50.00$50.0010/25/2010 9:07:54 AM
sflash$45.00$45.0010/25/2010 12:31:11 PM
credit-guard5$50.00$50.0010/25/2010 10:30:53 PM
RecoveryLender$25.00$25.0010/27/2010 12:09:33 PM
JGuide$401.99$374.8010/27/2010 3:20:09 PM
encore02$50.00$50.0010/27/2010 4:45:41 PM
one-midas$50.00$50.0010/27/2010 4:41:02 PM
Nasdaq$75.00$75.0010/28/2010 7:06:46 AM
wonderous-power$25.00$25.0010/28/2010 1:19:36 AM
priceless-cash5$25.00$25.0010/28/2010 7:52:48 AM
Nasdaq$25.00$25.0010/28/2010 7:05:59 AM
p2ploan-sensation211$50.00$50.0010/28/2010 9:16:44 AM
tacologic$75.00$75.0010/28/2010 8:31:40 AM
59 bids
 
Borrower Payment Dependent Notes Series 481037
This series of Notes was issued and sold upon the funding of the borrower loan #45229, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,750.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Oct-25-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $398.17
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $398.17
 
Auction yield range: 5.71% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1991 Debt/Income ratio: 20%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:19y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,515Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: Lend2006 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 90% ) 760-779 (Latest)
Principal borrowed: $7,850.00< 31 days late: 1 ( 10% )  
640-659 (Dec-2009)
660-679 (Jul-2009)
680-699 (Apr-2009)
 
Principal balance: $6,283.90 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Pay Prosper & Reduce Unsecured Debt
Purpose of loan:
This loan will be used to pay my current Prosper loan and to continue to pay down other unsecured debt, and at a substantially lower interest rate. I am still responsible for all of my father?s financial affairs, and have successfully submitted Medicaid and VA Pension paperwork for him; we are currently waiting for me to be accepted as his Fiduciary/Payee. I truly believe that my positive financial improvement in the past 11 months was due to having received my Prosper Loan. Thank you.

My financial situation:
I am an excellent candidate for this loan because I am a 12 month employee of my school district, have excellent medical benefits, am continuing to grow my consulting business with local charter schools, and have a proven payment history with Prosper. The one <31 day late payment (payment 1) was due to an account number change made by my credit union (Arrowhead Credit Union) between the time that the loan was funded to when the first payment was drawn. This was corrected quickly with the help of the Prosper Customer Service department, and every payment since has been successful.

Monthly net income: $2684.27, reduced due to the mandatory 5 furlough days (2010/11 school year) being docked from our monthly pay. An additional $425+ is from my consulting and is primarily dedicated to paying my Prosper loan.

Monthly expenses: $No change from 12 months ago.
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $All net monthly salary is spent but I also have pretax deduction going to my 457b, 403b, ROTH 403b, CalPERS, and my FSA.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
DDPrime$100.00$100.0010/25/2010 3:09:53 PM
williemc44$50.00$50.0010/25/2010 3:11:17 PM
Weaverville$50.00$50.0010/25/2010 3:09:33 PM
mjunlimited$50.00$50.0010/25/2010 3:24:47 PM
jazzlender$50.00$50.0010/25/2010 3:26:05 PM
teller$50.00$50.0010/25/2010 3:23:57 PM
reward-tsunami7$50.00$50.0010/25/2010 3:28:29 PM
BxRealtor$25.00$25.0010/25/2010 3:37:27 PM
point-kitten6$50.00$50.0010/25/2010 3:45:25 PM
ptjg$50.00$50.0010/25/2010 3:36:11 PM
graceful-investment$30.09$30.0910/25/2010 4:10:09 PM
tntmojave$25.00$25.0010/25/2010 4:34:58 PM
cclady$50.00$50.0010/26/2010 8:29:26 AM
nickel-hickory$25.00$25.0010/26/2010 7:15:58 AM
the-money-position$31.10$31.1010/26/2010 5:49:08 AM
outofoffice$50.00$50.0010/26/2010 7:23:24 AM
zeelender$25.00$25.0010/26/2010 3:02:08 PM
gracej$25.00$25.0010/26/2010 6:04:58 PM
larrybird$25.00$25.0010/26/2010 8:31:45 PM
julijask$35.00$35.0010/27/2010 9:24:25 AM
iamricher$25.00$25.0010/27/2010 9:54:15 AM
KileNSmyth4$66.52$66.5210/27/2010 1:34:32 PM
lagnisiruk$25.00$25.0010/27/2010 1:34:59 PM
organized-payment6$25.00$25.0010/27/2010 2:26:50 PM
ti22ring$25.00$25.0010/27/2010 1:12:23 PM
important-ore$100.00$100.0010/27/2010 4:05:35 PM
Vegas777$25.00$25.0010/27/2010 4:01:36 PM
benefit-piano5$25.00$25.0010/27/2010 4:31:46 PM
psa1995$50.00$50.0010/27/2010 5:00:20 PM
SelectTrustLending$25.00$25.0010/28/2010 1:59:33 AM
herbyman$25.00$25.0010/28/2010 7:41:04 AM
doncm$50.00$50.0010/28/2010 12:27:09 PM
narblark$50.00$50.0010/28/2010 11:31:29 AM
chlebie$50.00$50.0010/28/2010 2:24:46 PM
banker366$25.00$25.0010/28/2010 2:33:04 PM
bonus-maximizer919$50.00$50.0010/28/2010 3:06:30 PM
bold-yield-rumbler$25.00$25.0010/28/2010 3:06:57 PM
Tradesmanlender$25.53$25.5310/28/2010 3:08:07 PM
bodascafe$25.00$25.0010/28/2010 2:30:04 PM
Cheburashka$25.00$25.0010/28/2010 2:30:53 PM
first-restless-payout$50.00$50.0010/28/2010 2:31:36 PM
taylor883$50.00$50.0010/28/2010 2:40:18 PM
Bluebanker$50.00$50.0010/28/2010 2:41:04 PM
suave-dime6$25.00$25.0010/28/2010 3:06:47 PM
chemistry220$50.00$50.0010/28/2010 3:06:51 PM
kenji4861$25.00$25.0010/28/2010 3:07:26 PM
blackstar$25.00$25.0010/28/2010 3:35:15 PM
OSERENKUKU$25.00$25.0010/28/2010 3:43:13 PM
j2ee$25.00$25.0010/28/2010 3:45:17 PM
blissful-responsibility4$25.00$25.0010/28/2010 3:45:29 PM
the-upbeat-p2p$48.96$48.9610/28/2010 5:34:24 PM
patriot384$480.00$480.0010/28/2010 7:29:18 PM
techstarman$100.00$100.0010/28/2010 7:33:39 PM
diversification-viking$50.00$50.0010/28/2010 3:35:30 PM
biglender5$25.00$25.0010/28/2010 3:45:19 PM
RG$25.00$25.0010/28/2010 11:42:13 PM
blissful-note7$25.00$25.0010/28/2010 11:42:30 PM
bridgeguy$25.00$25.0010/28/2010 11:43:04 PM
oodkim84oo$50.00$50.0010/28/2010 4:46:05 PM
PCGeekWI$25.00$25.0010/28/2010 11:43:40 PM
equitable-yield4$25.00$25.0010/28/2010 3:35:14 PM
lowestghost$28.30$28.3010/28/2010 11:44:42 PM
successful-agreement7$100.00$100.0010/28/2010 3:44:05 PM
deal-enrichment$50.00$50.0010/28/2010 3:45:16 PM
ash135$31.12$31.1210/29/2010 1:13:02 AM
rjmdez$25.00$25.0010/28/2010 5:35:06 PM
mmaurer$25.62$25.6210/29/2010 1:26:52 AM
selfmademan$25.00$25.0010/29/2010 1:36:34 AM
derec$25.00$25.0010/29/2010 1:38:09 AM
silver-armada$50.00$50.0010/28/2010 4:25:20 PM
jwood3030$25.00$25.0010/29/2010 1:57:50 AM
dparkhom$25.00$25.0010/29/2010 1:58:11 AM
hrubinst$50.00$50.0010/29/2010 1:58:30 AM
wealth-samaritan2$25.00$25.0010/28/2010 6:52:47 PM
justice-dna$25.00$25.0010/29/2010 1:59:21 AM
Dillonmd58$25.00$25.0010/28/2010 7:08:19 PM
orange-dollar-guild$25.00$25.0010/28/2010 8:16:01 PM
transparent-money2$25.00$25.0010/29/2010 4:27:58 AM
BankofAdonai$25.00$25.0010/28/2010 6:21:16 PM
the-capital-shooter$155.00$155.0010/29/2010 5:55:32 AM
p2p-mushroom1$25.00$25.0010/28/2010 8:16:05 PM
SafeSaxa$30.00$30.0010/28/2010 11:43:43 PM
brother_tam$30.14$30.1410/29/2010 7:43:28 AM
Interloper$25.00$25.0010/29/2010 1:33:48 AM
DeutscheBank$25.00$25.0010/29/2010 1:35:56 AM
lokiswolf$27.00$27.0010/29/2010 1:37:57 AM
Sibelius2$25.00$25.0010/29/2010 8:05:15 AM
twjh$25.00$25.0010/29/2010 1:55:46 AM
slojudy$50.00$50.0010/28/2010 11:39:02 PM
melodious-fairness$25.00$25.0010/29/2010 2:17:54 AM
responsible-investment0$50.00$50.0010/29/2010 2:21:26 AM
dinero-speaker$25.00$25.0010/29/2010 2:21:34 AM
wise-silver-wonder$25.00$25.0010/28/2010 11:44:36 PM
ReallyGoodGuy$25.00$25.0010/28/2010 11:46:07 PM
geniusj$25.00$25.0010/29/2010 1:13:19 AM
stollcm$25.00$25.0010/29/2010 1:32:54 AM
theaterguy$25.00$25.0010/29/2010 1:35:10 AM
smmgnn99$50.00$50.0010/29/2010 1:54:27 AM
velocity-solo$25.00$25.0010/29/2010 9:42:35 AM
gjh37$50.00$50.0010/29/2010 6:52:05 AM
crawfingers$25.00$25.0010/29/2010 2:19:40 AM
prudent-gain7$25.00$25.0010/29/2010 6:03:29 AM
divedude$28.47$28.4710/29/2010 8:05:10 AM
the-bill-gatherer$50.00$50.0010/29/2010 7:42:01 AM
StarzRLimit$25.00$25.0010/29/2010 7:43:27 AM
Phantom99$25.00$25.0010/29/2010 9:06:31 AM
credible-balance0$25.00$25.0010/29/2010 9:41:51 AM
Digs$25.00$25.0010/29/2010 10:48:33 AM
Artist_Blue$25.00$25.0010/29/2010 9:32:52 AM
tolerant-dinero2$25.00$25.0010/29/2010 2:08:52 PM
rmpedi33$50.00$50.0010/29/2010 10:05:35 AM
CoreDollar$25.00$25.0010/29/2010 2:48:39 PM
emphatic-investment7$25.00$25.0010/29/2010 10:37:04 AM
phaded$25.00$25.0010/29/2010 1:11:09 PM
mjcareful$50.00$50.0010/29/2010 4:38:03 PM
Sol_Invictus$25.00$25.0010/29/2010 5:26:52 PM
katnmouse$30.00$30.0010/29/2010 3:08:43 PM
Lckylad$28.34$28.3410/29/2010 6:24:29 PM
NorthPointLending$100.00$100.0010/29/2010 9:23:00 PM
mammalian4$25.00$25.0010/30/2010 10:58:20 AM
diversification-pilot$25.00$25.0010/30/2010 1:37:34 PM
lucrative-durability$25.00$25.0010/30/2010 8:48:11 PM
Castelj$38.00$38.0010/31/2010 2:13:31 AM
alaskanbearcub$25.00$25.0010/31/2010 4:59:41 PM
XCWIZ007$45.00$45.0010/31/2010 5:17:13 PM
Bcs-cnc$25.00$25.0010/31/2010 8:20:33 PM
Loansforlife$25.00$25.0010/31/2010 2:32:06 PM
doc1$100.00$100.0010/31/2010 4:34:27 PM
12Knocksinna$31.90$31.9011/1/2010 12:09:51 AM
DasMula$25.00$25.0011/1/2010 9:24:53 AM
enthusiastic-balance5$200.00$200.0011/1/2010 6:54:00 AM
investment-artist$25.00$25.0011/1/2010 8:50:38 AM
Astyanax$75.00$75.0011/1/2010 11:24:31 AM
Loan-Mart$100.00$100.0011/1/2010 11:30:07 AM
kind-bid-genome$25.00$25.0011/1/2010 9:38:17 AM
maj0508$100.00$100.0011/1/2010 2:11:04 PM
Memphis-King$150.00$150.0011/1/2010 2:11:46 PM
chilandman$50.00$50.0011/1/2010 12:07:18 PM
bill-expert$82.00$82.0011/1/2010 12:52:57 PM
GElender$75.00$75.0010/25/2010 3:10:47 PM
ogmanny$50.00$50.0010/25/2010 3:23:31 PM
ray1051$25.00$25.0010/25/2010 3:24:23 PM
bold-durability-drum$50.00$50.0010/25/2010 3:25:26 PM
skuba$25.00$25.0010/25/2010 3:36:52 PM
natural-affluence4$25.00$25.0010/25/2010 3:26:55 PM
bountiful-durability$100.00$100.0010/25/2010 3:37:39 PM
alpinaut$25.00$25.0010/25/2010 3:42:09 PM
handshake5$100.00$100.0010/25/2010 3:43:18 PM
rescue$100.00$100.0010/25/2010 3:34:40 PM
studious-bonus7$100.00$100.0010/25/2010 3:38:02 PM
GCInvestments$25.00$25.0010/25/2010 3:45:51 PM
Banker7371$25.00$25.0010/25/2010 3:40:20 PM
TrustPlus$50.00$50.0010/25/2010 4:34:54 PM
deal-vibrato$39.03$39.0310/25/2010 5:14:02 PM
radforj22$25.00$25.0010/25/2010 6:29:04 PM
Fiimg$50.00$50.0010/26/2010 4:57:36 AM
the-profit-oracle$25.00$25.0010/26/2010 4:31:05 AM
museic1$25.00$25.0010/26/2010 7:53:36 AM
mla$25.00$25.0010/26/2010 2:50:30 PM
a-finance-nirvana$25.00$25.0010/26/2010 6:21:58 PM
shmb6508$50.00$50.0010/26/2010 6:38:39 PM
jdwillcox$100.00$100.0010/26/2010 9:11:21 PM
enthralling-deal180$50.00$50.0010/27/2010 4:37:08 AM
subtle-revenue0$25.00$25.0010/27/2010 5:16:22 AM
FadSaolAgat$25.00$25.0010/27/2010 7:01:30 AM
indomitable-coin$50.00$50.0010/27/2010 8:40:55 AM
galvatron$50.00$50.0010/27/2010 9:57:07 AM
ladderskibum$25.00$25.0010/27/2010 3:14:25 PM
contract-boomerang$25.00$25.0010/27/2010 7:20:50 PM
brazilofmux$100.00$100.0010/27/2010 7:04:31 PM
nickel-ferret$50.00$50.0010/27/2010 10:11:17 PM
efficient-treasure0$25.00$25.0010/27/2010 8:00:05 PM
valiant-liberty4$25.00$25.0010/27/2010 8:10:44 PM
loyalty-sherpa$50.00$50.0010/28/2010 9:40:06 AM
cathexis$50.00$50.0010/28/2010 8:34:34 AM
economy-orchid$25.00$25.0010/28/2010 10:59:31 AM
bright-investment$25.00$25.0010/28/2010 1:22:13 PM
lostontheedge$25.00$25.0010/28/2010 2:35:19 PM
velvetsmog$25.00$25.0010/28/2010 2:28:33 PM
discrete-asset$25.00$25.0010/28/2010 2:30:30 PM
dajen1$40.00$40.0010/28/2010 3:06:28 PM
cybernosha$25.00$25.0010/28/2010 2:27:18 PM
patriot897$25.00$25.0010/28/2010 3:06:41 PM
54CHEVY$29.63$29.6310/28/2010 3:06:56 PM
Warwick$50.00$50.0010/28/2010 2:32:11 PM
brightest-dynamic-peace$25.00$25.0010/28/2010 2:28:56 PM
CAGE-Investments$25.00$25.0010/28/2010 2:30:32 PM
aha6297$25.00$25.0010/28/2010 2:39:30 PM
bambampk$25.00$25.0010/28/2010 3:06:54 PM
beachbum22$25.00$25.0010/28/2010 3:07:32 PM
Eagledrop$25.00$25.0010/28/2010 3:35:11 PM
LandE2BG$25.00$25.0010/28/2010 3:35:18 PM
Mark0135$58.09$58.0910/28/2010 3:45:24 PM
impartial-deal$25.00$25.0010/28/2010 3:07:23 PM
best-deal-banker$25.00$25.0010/28/2010 3:47:21 PM
trade-freshmaker$25.00$25.0010/28/2010 4:12:34 PM
bullwink27$25.00$25.0010/28/2010 5:26:01 PM
brightest-versatile-note$25.00$25.0010/28/2010 5:26:21 PM
MutuallyBeneficial$46.61$46.6110/28/2010 6:20:57 PM
DublinCaLender$30.50$30.5010/28/2010 8:16:03 PM
tijuas90$50.00$50.0010/28/2010 9:51:21 PM
atope$50.00$50.0010/28/2010 3:45:15 PM
intuitive-bill$25.00$25.0010/28/2010 3:45:25 PM
deltacredit$50.00$50.0010/28/2010 3:47:24 PM
ctgscott$25.00$25.0010/28/2010 11:41:15 PM
smurf163$25.00$25.0010/28/2010 4:30:49 PM
intlargonaut$50.00$50.0010/28/2010 4:30:52 PM
harmonious-moola7$50.00$50.0010/28/2010 11:44:17 PM
108lender$93.94$93.9410/29/2010 1:13:09 AM
AdamClemSC$25.00$25.0010/29/2010 1:27:20 AM
KiwiElf$35.00$35.0010/28/2010 5:46:51 PM
rulender$26.64$26.6410/29/2010 1:55:20 AM
DadWarbucks$26.36$26.3610/29/2010 1:57:35 AM
vacaerol$25.00$25.0010/29/2010 2:04:26 AM
morfie$25.00$25.0010/28/2010 7:43:45 PM
peerlender$25.00$25.0010/29/2010 2:37:30 AM
lisanate$25.00$25.0010/28/2010 7:51:01 PM
bannybucks$25.00$25.0010/29/2010 3:34:02 AM
special-truth$25.00$25.0010/29/2010 3:48:20 AM
flexible-funds3$50.00$50.0010/29/2010 4:25:54 AM
sarisai$50.00$50.0010/28/2010 9:59:07 PM
GSV67$50.00$50.0010/28/2010 7:08:17 PM
peace-sorcerer$25.00$25.0010/28/2010 7:52:04 PM
totoro$25.00$25.0010/28/2010 11:39:23 PM
reueljw$25.00$25.0010/28/2010 11:41:04 PM
autonomous-basis$25.00$25.0010/29/2010 7:04:04 AM
gametime34$51.10$51.1010/29/2010 1:33:25 AM
beaker$25.00$25.0010/29/2010 1:35:35 AM
Ivan2007$41.73$41.7310/29/2010 1:37:39 AM
KirosPOS$40.16$40.1610/29/2010 8:57:50 AM
loot-heart$27.19$27.1910/29/2010 2:21:30 AM
money-bauble$44.52$44.5210/29/2010 2:22:14 AM
pwkpwk$25.00$25.0010/28/2010 11:45:24 PM
peripatetic$25.00$25.0010/29/2010 3:36:01 AM
ShotokanKeto$25.00$25.0010/29/2010 4:03:00 AM
Comoparklender$25.00$25.0010/29/2010 4:33:36 AM
bid-papyrus$25.00$25.0010/29/2010 2:13:14 AM
unrivaled-justice$25.00$25.0010/29/2010 2:19:29 AM
tremendous-payment$25.00$25.0010/29/2010 2:20:48 AM
nosualcneas$25.00$25.0010/29/2010 7:42:14 AM
martinatime$25.00$25.0010/29/2010 7:43:21 AM
note-farm4$25.00$25.0010/29/2010 9:47:03 AM
calinno2$25.00$25.0010/29/2010 7:43:26 AM
rjrventure$75.00$46.9110/29/2010 9:47:57 AM
lovely-benefit7$25.00$25.0010/29/2010 7:08:37 AM
Veltliner$25.00$25.0010/29/2010 9:25:27 AM
oracle3$50.00$50.0010/29/2010 7:52:35 AM
houg35$25.00$25.0010/29/2010 7:59:57 AM
tidy-dime$25.00$25.0010/29/2010 9:41:09 AM
bid-computer$25.00$25.0010/29/2010 9:41:36 AM
Wilcat77$47.17$47.1710/29/2010 9:24:36 AM
msmlender$26.56$26.5610/29/2010 2:40:13 PM
Cherrypicker$40.00$40.0010/29/2010 7:40:19 PM
bentheretoo$300.00$300.0010/30/2010 5:08:29 AM
mobius_titan$25.00$25.0010/30/2010 2:29:17 AM
Whitewater_Loans$50.00$50.0010/30/2010 8:31:34 AM
market-jam$34.34$34.3410/30/2010 5:02:51 AM
usedtoborrow$100.00$100.0010/30/2010 11:58:37 AM
behicks$32.84$32.8410/30/2010 7:16:03 AM
revenue-spa8$25.00$25.0010/30/2010 9:12:02 AM
Mindful7$25.00$25.0010/30/2010 2:13:04 PM
ksubd$100.00$100.0010/30/2010 8:13:45 AM
principal-lion$25.00$25.0010/30/2010 11:02:16 AM
honey-money$30.00$30.0010/30/2010 6:54:10 PM
brondero$50.00$50.0010/30/2010 1:14:52 PM
loyalist1$100.00$100.0010/31/2010 8:07:41 AM
JDL51$35.00$35.0010/30/2010 5:32:59 PM
Realty24$35.00$35.0010/30/2010 3:07:02 PM
CashBank$25.00$25.0010/31/2010 11:20:46 AM
classiccitizen$25.00$25.0010/31/2010 2:47:10 PM
VIPBank$45.00$45.0010/31/2010 5:34:46 PM
loanman2007$100.00$100.0010/31/2010 10:29:42 AM
bearclan$25.00$25.0010/31/2010 5:47:28 PM
Feyenoord$25.00$25.0010/31/2010 8:18:56 PM
Chesterite$26.05$26.0511/1/2010 9:27:17 AM
ScottFinance$25.00$25.0011/1/2010 6:32:34 AM
starry2001$25.00$25.0011/1/2010 4:31:43 AM
dsnybnd$25.00$25.0011/1/2010 7:54:27 AM
RecoveryLender$25.00$25.0011/1/2010 10:43:09 AM
ExtraIncome$25.00$25.0011/1/2010 8:14:33 AM
bonus-quark4$27.54$27.5411/1/2010 9:48:02 AM
SnakeV$25.00$25.0011/1/2010 12:03:46 PM
ethicalhumanist$50.00$50.0011/1/2010 12:44:17 PM
mgking007$40.00$40.0011/1/2010 1:28:06 PM
haryassman$25.00$25.0011/1/2010 2:42:35 PM
285 bids
 
Borrower Payment Dependent Notes Series 481095
This series of Notes was issued and sold upon the funding of the borrower loan #45197, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,900.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Oct-22-2010 
  Auction end date:  Oct-29-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $85.95
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $85.95
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1975 Debt/Income ratio: 22%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,106Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: markalan 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 24% ) 680-699 (Latest)
Principal borrowed: $3,900.00< 31 days late: 19 ( 76% )  
720-739 (Jul-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Home Owner Needs Home Improvements
Purpose of loan:
This loan will be used to?
make improvements on my home's roof.? To save money, I will be doing some of the work myself.
My financial situation:
I am a good candidate for this loan because??
I have never defaulted on a loan.? I have never filed for bankruptcy.? I am a home owner.? I have a secure, good paying job as a lab technician in the food industry.? My credit score is near 700.? I have paid off one Prosper loan already.? I may have used my grace period, but I always paid my Prosper loan.? I prefer to get a?regular interest loan through Prosper,?as opposed to?a revolving interest card.? Public Record:?Over five years ago,?I used to be president of travel company that put New York City tours together.? An unhappy customer sued me instead of the company.? I have not yet been successful in getting that event?taken off my credit record.???
Monthly net income: $
2,200
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 150
??Car expenses: $
??Utilities: $ 250
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $50
??Credit cards and other loans: $ 220
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
boodo$477.15$477.1510/25/2010 3:49:59 PM
reflective-rupee$33.00$33.0010/26/2010 10:13:42 AM
well-mannered-income3$30.00$30.0010/26/2010 7:15:06 PM
mrxtravis$35.36$35.3610/27/2010 4:06:31 PM
boodo$52.22$52.2210/28/2010 6:28:27 AM
Bob450$25.00$25.0010/28/2010 2:40:14 PM
DasMula$25.00$25.0010/28/2010 4:20:37 PM
DenimCapital$25.00$25.0010/29/2010 8:42:14 AM
DenimCapital$25.00$25.0010/29/2010 8:42:00 AM
Kash2010lu$25.00$25.0010/29/2010 11:57:56 AM
doublediamond$25.00$25.0010/29/2010 1:34:44 PM
LOLgivin_monies$25.00$15.5710/29/2010 12:34:52 PM
loanman2007$50.00$50.0010/29/2010 12:28:22 PM
worldpower2$25.00$25.0010/29/2010 12:34:05 PM
boodo$63.00$63.0010/26/2010 6:02:19 AM
FarmersBank$25.00$25.0010/27/2010 6:34:31 AM
bobd32$25.00$25.0010/27/2010 11:50:21 AM
SCIGIE$27.70$27.7010/27/2010 7:12:56 PM
SolarMoonshine$25.00$25.0010/28/2010 4:15:22 AM
Kash2010lu$35.00$35.0010/27/2010 8:06:23 PM
DenimCapital$100.00$100.0010/28/2010 1:13:55 PM
bobd32$25.00$25.0010/28/2010 1:22:02 PM
DenimCapital$250.00$250.0010/29/2010 8:41:30 AM
himistu22$25.00$25.0010/29/2010 2:35:02 AM
Sudoku$100.00$100.0010/29/2010 3:13:59 AM
DenimCapital$50.00$50.0010/29/2010 8:41:47 AM
DenimCapital$25.00$25.0010/29/2010 8:48:24 AM
ultimate-peace$106.00$106.0010/29/2010 11:47:00 AM
PrincessGrace33$100.00$100.0010/29/2010 2:23:03 PM
PeePaw$25.00$25.0010/29/2010 10:22:02 AM
Lubava$25.00$25.0010/29/2010 1:21:54 PM
31 bids
 
Borrower Payment Dependent Notes Series 481105
This series of Notes was issued and sold upon the funding of the borrower loan #45213, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Oct-22-2010 
  Auction end date:  Oct-28-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $196.29
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $196.29
 
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: May-1993 Debt/Income ratio: 7%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 9Length of status:1y 2m
Amount delinquent: $5,687 Total credit lines: 19 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $186,425Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: loot-souffle Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off some credit card debt
Purpose of loan:
This loan will be used to pay off some credit card debt. I have had some medical and other unexpected expenses recently.

My financial situation:
I am a good candidate for this loan because good and solid salary, stable employment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
teller$50.00$50.0010/22/2010 2:35:01 PM
Weaverville$50.00$50.0010/22/2010 2:29:41 PM
mjunlimited$50.00$50.0010/22/2010 2:38:01 PM
GElender$50.00$50.0010/22/2010 2:34:09 PM
bold-durability-drum$50.00$50.0010/22/2010 2:38:50 PM
jazzlender$50.00$50.0010/22/2010 2:39:26 PM
organized-payment6$50.00$50.0010/22/2010 2:35:23 PM
williemc44$50.00$50.0010/22/2010 2:36:08 PM
tolerant-dinero2$25.00$25.0010/22/2010 2:43:06 PM
reward-tsunami7$50.00$50.0010/22/2010 2:41:50 PM
rescue$100.00$100.0010/22/2010 4:26:44 PM
LiveNow$25.00$25.0010/22/2010 8:59:47 PM
thrifty-peso$25.00$25.0010/22/2010 7:46:05 PM
zenchef$28.11$28.1110/22/2010 10:32:10 PM
monroemoney$25.00$25.0010/23/2010 2:23:08 AM
Artist_Blue$25.00$25.0010/23/2010 1:28:26 AM
worth-arch$25.00$25.0010/23/2010 4:11:54 AM
cello1$25.00$25.0010/23/2010 7:13:10 AM
bountiful-durability$67.33$67.3310/23/2010 6:42:49 AM
studious-bonus7$100.00$100.0010/23/2010 10:34:13 AM
newest-bountiful-basis$25.00$25.0010/23/2010 9:06:46 AM
Philkent$50.00$50.0010/23/2010 10:47:05 AM
Anny-Disco$50.00$50.0010/23/2010 2:44:12 PM
SummaCapital$45.43$45.4310/23/2010 4:12:05 PM
witty-principal$32.64$32.6410/23/2010 2:50:49 PM
tranquil-return4$25.00$25.0010/23/2010 2:51:33 PM
alpinaut$25.00$25.0010/23/2010 3:07:46 PM
the-money-position$50.00$50.0010/24/2010 8:08:41 AM
tenacious-compassion9$25.00$25.0010/24/2010 11:16:11 AM
vegibenz$25.00$25.0010/24/2010 11:55:35 AM
Snailslug$25.00$25.0010/24/2010 7:04:22 PM
handshake5$100.00$100.0010/24/2010 10:48:24 PM
Preteur$25.00$25.0010/24/2010 7:16:52 PM
ccdmp2004$25.00$25.0010/25/2010 3:15:45 AM
tntmojave$25.00$25.0010/25/2010 5:45:23 AM
unassassinable$25.00$25.0010/25/2010 9:06:49 AM
GCInvestments$25.00$25.0010/25/2010 10:17:08 AM
sweet-loan8$50.00$50.0010/25/2010 12:33:21 PM
note-cougar0$25.00$25.0010/25/2010 1:09:26 PM
the-profit-oracle$25.00$25.0010/25/2010 4:30:51 PM
gracej$25.00$25.0010/25/2010 4:26:59 PM
radforj22$25.00$25.0010/25/2010 6:28:59 PM
silver-baby$25.00$25.0010/25/2010 7:06:41 PM
Fiimg$50.00$50.0010/26/2010 4:57:40 AM
money-aggregator7$25.00$25.0010/26/2010 10:01:33 AM
a-finance-nirvana$25.00$25.0010/26/2010 2:11:17 PM
larrybird$66.77$66.7710/26/2010 3:57:51 PM
shmb6508$50.00$50.0010/26/2010 6:38:36 PM
important-ore$100.00$100.0010/26/2010 6:22:02 PM
jdwillcox$100.00$100.0010/26/2010 9:11:19 PM
midifool$25.00$25.0010/27/2010 1:48:29 AM
greenback-guard$25.00$25.0010/26/2010 11:10:46 PM
subtle-revenue0$25.00$25.0010/27/2010 5:16:20 AM
julijask$35.00$35.0010/27/2010 9:24:22 AM
indomitable-coin$50.00$50.0010/27/2010 8:40:49 AM
ladderskibum$25.00$25.0010/27/2010 3:14:21 PM
Tradesmanlender$35.00$35.0010/27/2010 4:04:31 PM
Mark0135$100.00$100.0010/27/2010 4:04:47 PM
patriot897$25.00$25.0010/27/2010 4:06:47 PM
dajen1$40.00$40.0010/27/2010 4:02:08 PM
the-debt-fluffy-bunny$25.00$25.0010/27/2010 4:07:27 PM
bonus-maximizer919$50.00$50.0010/27/2010 4:03:21 PM
SelectTrustLending$25.00$25.0010/27/2010 4:27:00 PM
first-restless-payout$50.00$50.0010/27/2010 4:17:55 PM
suave-dime6$25.00$25.0010/27/2010 4:28:54 PM
benefit-piano5$25.00$25.0010/27/2010 4:31:41 PM
bambampk$25.00$25.0010/27/2010 5:06:47 PM
brazilofmux$100.00$100.0010/27/2010 7:04:26 PM
nickel-ferret$50.00$50.0010/27/2010 10:11:11 PM
kmwvma$25.00$25.0010/28/2010 8:05:57 AM
brightest-dynamic-peace$25.00$25.0010/27/2010 10:43:19 PM
wwwUniversal$25.00$25.0010/28/2010 2:28:34 AM
rate-negotiator$25.00$25.0010/28/2010 5:45:23 AM
herbyman$50.00$50.0010/28/2010 7:40:58 AM
PalmerTheEmbalmer$25.00$25.0010/28/2010 11:17:44 AM
satisfying-durability$25.00$25.0010/28/2010 11:10:30 AM
karmarush$25.00$25.0010/28/2010 11:18:26 AM
ogmanny$50.00$50.0010/22/2010 2:37:38 PM
natural-affluence4$25.00$25.0010/22/2010 2:40:12 PM
BxRealtor$25.00$25.0010/22/2010 2:43:30 PM
ray1051$75.00$75.0010/22/2010 2:43:43 PM
bicyclist2270$25.00$25.0010/22/2010 2:44:24 PM
Banker7371$25.00$25.0010/22/2010 2:45:16 PM
rapid-credit428$25.00$25.0010/22/2010 2:45:25 PM
lloyd_s$25.00$25.0010/22/2010 9:40:25 PM
skuba$25.00$25.0010/23/2010 5:03:35 AM
ItsJustMe79$36.35$36.3510/23/2010 5:46:33 AM
hannibal720$25.00$25.0010/23/2010 6:18:40 AM
Cypher041$25.00$25.0010/23/2010 9:03:06 AM
psiequalsone$25.00$25.0010/23/2010 11:15:57 AM
icecoldcash$50.00$50.0010/23/2010 2:44:08 PM
valiant-liberty4$50.00$50.0010/23/2010 4:06:09 PM
dollar-spy$25.00$25.0010/23/2010 4:31:08 PM
jenq0001$25.00$25.0010/23/2010 2:50:47 PM
dgallo$25.00$25.0010/23/2010 3:41:27 PM
graceful-investment$30.09$30.0910/23/2010 7:57:55 PM
sintax$25.00$25.0010/23/2010 7:26:22 PM
red-relentless-money$48.48$48.4810/23/2010 8:51:04 PM
unforgettable-order9$50.00$50.0010/24/2010 8:12:41 AM
qcksilvr20$50.00$50.0010/24/2010 10:04:03 AM
refined-income7$25.00$25.0010/24/2010 1:26:36 PM
miket71$33.08$33.0810/24/2010 7:04:24 PM
Panna$25.00$25.0010/24/2010 7:05:34 PM
KonkoKid$25.00$25.0010/24/2010 11:02:44 PM
exchange-battalion$30.00$30.0010/24/2010 11:19:03 PM
supreme-hope$25.00$25.0010/24/2010 7:50:39 PM
OrcaFIN$25.00$25.0010/24/2010 8:33:51 PM
special-truth$50.00$50.0010/25/2010 4:05:57 AM
TrustPlus$30.00$30.0010/25/2010 5:02:02 AM
revenue-officer36$31.94$31.9410/25/2010 5:25:53 AM
tom48l$50.00$50.0010/25/2010 3:07:02 AM
tucksta$25.00$25.0010/25/2010 9:43:24 AM
point-kitten6$50.00$50.0010/25/2010 9:58:25 AM
dmfog$25.00$25.0010/25/2010 10:22:40 AM
deal-vibrato$50.00$50.0010/25/2010 10:42:04 AM
truth-companion$50.00$50.0010/25/2010 12:55:09 PM
leverage-holly$25.00$25.0010/25/2010 11:49:02 AM
dime-galaxy$50.00$50.0010/25/2010 1:35:02 PM
WindyKid$37.04$37.0410/25/2010 2:16:00 PM
nickel-hickory$25.00$25.0010/25/2010 4:24:44 PM
FadSaolAgat$39.00$39.0010/25/2010 8:11:16 PM
museic1$25.00$25.0010/26/2010 7:53:39 AM
mla$25.00$25.0010/26/2010 2:50:37 PM
zeelender$25.00$25.0010/26/2010 3:02:00 PM
ti22ring$25.00$25.0010/26/2010 6:04:24 PM
Vegas777$25.00$25.0010/26/2010 6:22:18 PM
silver-dogwood4$25.00$25.0010/26/2010 9:13:00 PM
enthralling-deal180$50.00$50.0010/27/2010 4:37:04 AM
greenback-guard$25.00$25.0010/26/2010 11:16:22 PM
lagnisiruk$25.00$25.0010/27/2010 9:08:40 AM
iamricher$25.00$25.0010/27/2010 9:54:05 AM
galvatron$50.00$50.0010/27/2010 9:57:04 AM
cybernosha$25.00$25.0010/27/2010 1:59:14 PM
psa1995$50.00$50.0010/27/2010 1:11:39 PM
chlebie$50.00$50.0010/27/2010 12:52:28 PM
life-is-great$50.00$50.0010/27/2010 4:00:27 PM
principal-bull$25.00$25.0010/27/2010 4:14:33 PM
relierma$25.00$25.0010/27/2010 3:59:53 PM
cathexis$50.00$50.0010/27/2010 4:21:11 PM
KileNSmyth4$30.00$30.0010/27/2010 4:02:13 PM
EvalCrux$50.00$50.0010/27/2010 4:06:19 PM
interstellar$42.43$42.4310/27/2010 4:56:49 PM
love_what_you_do$25.00$25.0010/27/2010 4:32:41 PM
bondhedger$25.00$25.0010/27/2010 4:56:11 PM
contract-boomerang$25.00$25.0010/27/2010 7:20:47 PM
bulldog555$25.00$25.0010/27/2010 9:41:50 PM
japerk$25.00$25.0010/27/2010 6:40:03 PM
discrete-asset$25.00$25.0010/28/2010 4:41:37 AM
efficient-treasure0$25.00$25.0010/27/2010 8:00:01 PM
sosleep$25.00$25.0010/28/2010 6:35:48 AM
3musketeers$50.00$50.0010/28/2010 8:04:13 AM
relierma$25.00$25.0010/28/2010 8:15:42 AM
Cheburashka$25.00$25.0010/28/2010 4:41:43 AM
brother_tam$50.00$50.0010/28/2010 2:00:03 AM
bxdoc$75.00$75.0010/28/2010 2:23:13 AM
money-bauble$96.81$96.8110/28/2010 4:41:41 AM
fireboss$45.53$45.5310/28/2010 4:57:35 AM
loyalty-sherpa$50.00$50.0010/28/2010 9:40:00 AM
scotty61$25.00$25.0010/28/2010 11:32:05 AM
careful-money2$50.00$18.9710/28/2010 9:59:23 AM
160 bids
 
Borrower Payment Dependent Notes Series 481519
This series of Notes was issued and sold upon the funding of the borrower loan #45225, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-26-2010 
  Auction end date:  Nov-02-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $287.66
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $287.66
 
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: Jul-1983 Debt/Income ratio: 11%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,769Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: top-peso-washboard Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Short term Bridge Loan
Purpose of loan:
This loan will be used to?
Consolidate?consumer debt and will be paid in full earlier than the 36 month term.? Awaiting sale of investment property and need funds until it closes.
My financial situation:
I am a good candidate for this loan because?
I have the proven ability to save and manage accounts.? I presently own my home and a 1-4 family investment building.? I have a proven work history in banking and am presently Branch Manager.? I am also Licensed 6 & 63 for investments.? Single mom with three kids and two dogs and a cat.? Responsible and dependable.? Awaiting funds from investment and want to utilize this as a bridge loan.
Monthly net income: $ 4000.

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 0
??Car expenses: $250
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $?400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi. When is the "Awaiting funds from investment" due to happen? - RecoveryLender
A: I have my investment property listed for sale with over 50K in equity and I am also expecting a 50K payment through a divorce settlement. Do not have definate date on either. Realistically looking at six months. (Nov-01-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
handshake5$100.00$100.0010/26/2010 2:53:00 PM
valiant-liberty4$25.00$25.0010/26/2010 2:54:43 PM
inspiring-reward$100.00$100.0010/26/2010 5:16:52 PM
suave-dime6$25.00$25.0010/26/2010 6:04:08 PM
natural-greenback6$25.00$25.0010/27/2010 4:18:13 PM
beakerfish$50.00$50.0010/27/2010 6:15:41 PM
Artist_Blue$25.00$25.0010/28/2010 12:36:35 PM
NoCal$30.00$30.0010/29/2010 3:13:35 PM
GElender$50.00$50.0010/29/2010 3:51:48 PM
shmb6508$46.28$46.2810/30/2010 2:19:00 AM
generous-deal6$25.00$25.0010/30/2010 5:26:12 PM
skuba$25.00$25.0010/31/2010 9:50:20 AM
musegaze$44.49$44.4910/31/2010 9:53:11 AM
money-bauble$25.00$25.0010/30/2010 11:35:52 PM
TakeCare$60.00$60.0010/31/2010 1:55:04 PM
kulender$100.00$100.0010/31/2010 5:55:43 PM
platinum-celebration4$25.00$25.0011/1/2010 9:39:18 AM
Investoman$25.00$25.0011/1/2010 11:04:05 AM
famous-bill$25.00$25.0011/1/2010 4:15:55 PM
point-kitten6$50.00$50.0011/1/2010 4:16:44 PM
jigsaw$50.00$50.0011/1/2010 4:29:50 PM
asmithj$25.00$25.0011/1/2010 4:30:20 PM
jo2y$25.00$25.0011/1/2010 4:30:30 PM
worthy-bid8$25.00$25.0011/1/2010 4:17:27 PM
escharfer$25.00$25.0011/1/2010 4:21:52 PM
Comoparklender$50.00$50.0011/1/2010 4:26:19 PM
momoney2lend$25.00$25.0011/1/2010 4:29:08 PM
red-power-pecan$50.00$50.0011/1/2010 4:30:05 PM
neutrino6$25.00$25.0011/1/2010 4:30:14 PM
orange-dollar-guild$25.00$25.0011/1/2010 4:27:51 PM
FeedTheMachine$50.00$50.0011/1/2010 4:30:23 PM
logical-investment4$50.00$50.0011/1/2010 4:30:48 PM
108lender$100.00$100.0011/1/2010 4:45:28 PM
Magog12$25.00$25.0011/1/2010 4:49:03 PM
TheAlchemist$25.00$25.0011/1/2010 7:18:36 PM
treasure-bliss$39.34$39.3411/2/2010 1:58:04 AM
burrito6$25.00$25.0011/2/2010 2:06:15 AM
b-rent$25.00$25.0011/1/2010 8:15:13 PM
SolarMoonshine$25.00$25.0011/2/2010 4:12:56 AM
point$50.00$50.0011/2/2010 6:19:51 AM
social-conductor4$25.00$25.0011/2/2010 5:43:15 AM
calinno2$50.00$50.0011/2/2010 6:04:33 AM
bodascafe$25.00$25.0011/2/2010 9:39:53 AM
PatRichi$25.00$25.0011/2/2010 9:14:41 AM
thrifty-return$35.00$35.0011/2/2010 9:52:48 AM
MadHun$100.00$100.0011/2/2010 12:13:18 PM
all_of_that_one$45.00$45.0011/2/2010 12:13:46 PM
CaboWaboRobo$25.00$25.0011/2/2010 12:25:39 PM
fairhelper$25.00$25.0011/2/2010 12:25:49 PM
firewomin$50.00$50.0011/2/2010 12:25:53 PM
LAM26$25.00$25.0011/2/2010 12:26:43 PM
lagnisiruk$25.00$25.0011/2/2010 12:27:16 PM
honorable-yield$25.00$25.0011/2/2010 12:29:07 PM
psa1995$25.00$25.0011/2/2010 12:29:25 PM
the-platinum-dragon$50.00$50.0011/2/2010 10:49:41 AM
peso-miser$25.00$25.0011/2/2010 12:54:02 PM
noble-revenue$100.00$100.0011/2/2010 12:54:31 PM
steamboatgal$50.00$50.0011/2/2010 1:15:27 PM
DreamsDoComeTrue$76.85$76.8511/2/2010 1:16:06 PM
bold-yield-rumbler$25.00$25.0011/2/2010 1:16:19 PM
the-upbeat-p2p$34.11$34.1111/2/2010 12:25:52 PM
whartonmba$25.00$25.0011/2/2010 12:26:17 PM
newgroom422$25.00$25.0011/2/2010 12:26:40 PM
zeelender$25.00$25.0011/2/2010 12:27:09 PM
bnlforever$25.00$25.0011/2/2010 12:27:13 PM
JJ9876$25.00$25.0011/2/2010 12:28:43 PM
greenback-guard$25.00$25.0011/2/2010 1:22:05 PM
Papa_Mema$45.95$45.9511/2/2010 12:43:07 PM
lovely-benefit7$25.00$25.0011/2/2010 12:25:48 PM
bold-shrewd-duty$50.00$50.0011/2/2010 12:25:52 PM
zwd12$25.00$25.0011/2/2010 12:54:14 PM
ofern01$25.00$25.0011/2/2010 12:26:45 PM
best-unbeatable-transaction$25.00$25.0011/2/2010 12:29:06 PM
gentle-social0$25.00$25.0011/2/2010 12:31:08 PM
Easystreet$25.00$25.0011/2/2010 1:49:10 PM
benevolent-bonus$25.00$25.0011/2/2010 1:15:19 PM
safe-velocity4$25.00$25.0011/2/2010 1:15:45 PM
simplewareinc$25.00$25.0011/2/2010 1:15:52 PM
Cybercusp$25.00$25.0011/2/2010 1:16:08 PM
sarisai$25.00$25.0011/2/2010 1:16:21 PM
equitable-yield4$25.00$25.0011/2/2010 12:54:09 PM
sweetlan$25.00$25.0011/2/2010 1:06:56 PM
velvetsmog$25.00$25.0011/2/2010 1:15:32 PM
fund-tom-tom6$50.00$50.0011/2/2010 1:15:39 PM
newest-inspiring-power$25.00$25.0011/2/2010 1:15:56 PM
credit-missile$25.00$25.0011/2/2010 2:29:02 PM
wwwUniversal$25.00$25.0011/2/2010 1:20:32 PM
amlu1988$25.00$25.0011/2/2010 1:44:41 PM
reflective-rupee$44.00$44.0011/2/2010 1:28:52 PM
credit-missile$25.00$25.0011/2/2010 2:19:34 PM
credit-missile$25.00$25.0011/2/2010 2:19:00 PM
radiant-loan5$200.00$200.0010/26/2010 2:52:00 PM
bid-czar8$25.00$25.0010/26/2010 4:04:23 PM
successful-agreement7$100.00$100.0010/26/2010 5:15:57 PM
frogperson$200.00$200.0010/26/2010 10:07:35 PM
simplelender80$200.00$200.0010/28/2010 3:05:20 PM
velocity-solo$25.00$25.0010/29/2010 9:44:22 AM
sagan$25.00$25.0010/29/2010 3:13:28 PM
graceful-investment$100.00$100.0010/30/2010 11:30:38 AM
teller$50.00$50.0010/31/2010 1:55:15 PM
Bob450$25.00$25.0010/31/2010 10:40:34 PM
tech310$25.00$25.0010/31/2010 9:44:43 PM
nickel-hickory$50.00$50.0010/31/2010 11:48:34 PM
asiaratt$50.00$50.0011/1/2010 3:50:53 AM
worthy-bid4$100.00$100.0011/1/2010 9:28:32 AM
larrybird$150.00$150.0011/1/2010 11:42:06 AM
credible-balance0$25.00$25.0011/1/2010 4:28:53 PM
IIP77$25.00$25.0011/1/2010 4:18:33 PM
cropdust3r$25.00$25.0011/1/2010 4:19:25 PM
saxaphone6$25.00$25.0011/1/2010 4:16:03 PM
Asailorman$50.00$50.0011/1/2010 4:23:56 PM
calkidd05$25.00$25.0011/1/2010 4:24:05 PM
jstnow$25.00$25.0011/1/2010 4:24:08 PM
orangetrust$31.53$31.5311/1/2010 4:25:19 PM
Wellman$50.00$50.0011/1/2010 4:29:34 PM
shrewd-peace7$25.00$25.0011/1/2010 6:34:28 PM
orange-preeminant-bill$28.37$28.3711/1/2010 7:08:14 PM
tearingstar$35.00$35.0011/1/2010 8:43:42 PM
flwah$25.00$25.0011/1/2010 9:23:25 PM
runner262$25.00$25.0011/2/2010 1:21:49 AM
logical-loyalty0$25.00$25.0011/2/2010 9:14:28 AM
mindful-cash6$25.00$25.0011/2/2010 9:34:42 AM
economy-producer$25.00$25.0011/2/2010 9:13:40 AM
kindness-hickory5$25.00$25.0011/2/2010 12:25:37 PM
DUDE66$50.00$50.0011/2/2010 12:25:38 PM
Mark0135$50.00$50.0011/2/2010 12:25:48 PM
thatguyoverseas$25.00$25.0011/2/2010 12:25:50 PM
run26miles$50.00$50.0011/2/2010 12:25:54 PM
life-is-great$50.00$50.0011/2/2010 12:26:16 PM
contract-boomerang$25.00$25.0011/2/2010 12:26:48 PM
ivadood$61.66$61.6611/2/2010 12:29:09 PM
crenen139$25.00$25.0011/2/2010 12:31:11 PM
puifais$25.00$25.0011/2/2010 12:54:19 PM
affluence-tycoon$25.00$25.0011/2/2010 11:13:10 AM
thryn$25.00$25.0011/2/2010 1:15:42 PM
retirementlady$25.00$25.0011/2/2010 1:15:47 PM
rhin0cerx$50.00$50.0011/2/2010 1:16:17 PM
cognizant-rate732$25.00$25.0011/2/2010 12:25:50 PM
jubilant-agreement0$25.00$25.0011/2/2010 12:25:55 PM
djindepth$50.00$50.0011/2/2010 12:26:24 PM
bountiful-durability$50.00$50.0011/2/2010 12:26:44 PM
Vreet$46.82$46.8211/2/2010 12:27:11 PM
Sateesh$39.45$39.4511/2/2010 12:28:46 PM
Shepherd7$50.00$50.0011/2/2010 12:29:10 PM
rbgnr111$25.00$25.0011/2/2010 1:21:56 PM
anton$259.26$259.2611/2/2010 12:33:20 PM
new-social-economist$75.00$75.0011/2/2010 12:25:35 PM
orderly-leverage$50.00$50.0011/2/2010 12:25:51 PM
thorough-exchange4$50.00$50.0011/2/2010 12:26:20 PM
reflective-rupee$44.00$44.0011/2/2010 1:28:27 PM
fairness-kayak$25.00$25.0011/2/2010 12:29:12 PM
HedgeFund$50.00$50.0011/2/2010 12:29:34 PM
the-determined-value$50.00$50.0011/2/2010 12:31:10 PM
DeutscheBank$25.00$25.0011/2/2010 1:15:36 PM
circuitfive$25.00$25.0011/2/2010 1:15:55 PM
Lam0nt$25.00$25.0011/2/2010 1:16:20 PM
impressive-loan9$50.00$8.8911/2/2010 1:16:22 PM
fundenstein$25.00$25.0011/2/2010 12:54:06 PM
first-listing-expert$25.00$25.0011/2/2010 12:54:11 PM
EngineersAlliance$25.00$25.0011/2/2010 1:19:22 PM
KMB78$25.00$25.0011/2/2010 1:15:25 PM
skydiver111$25.00$25.0011/2/2010 1:15:33 PM
credit-missile$25.00$25.0011/2/2010 2:18:34 PM
loss-of-control$50.00$50.0011/2/2010 2:20:50 PM
friendinmoney$25.00$25.0011/2/2010 2:31:10 PM
velocity-flag$25.00$25.0011/2/2010 1:42:15 PM
reflective-rupee$44.00$44.0011/2/2010 1:27:57 PM
greenback-guard$25.00$25.0011/2/2010 1:35:47 PM
friendinmoney$25.00$25.0011/2/2010 2:39:49 PM
169 bids
 
Borrower Payment Dependent Notes Series 481883
This series of Notes was issued and sold upon the funding of the borrower loan #45223, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Oct-28-2010 
  Auction end date:  Nov-04-2010 
 
Starting lender yield: 10.44% Starting borrower rate/APR: 11.44% / 13.56% Starting monthly payment: $273.46
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $271.53
 
Auction yield range: 3.71% - 10.44% 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-1991 Debt/Income ratio: 17%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 5Length of status:1y 7m
Amount delinquent: $220 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,975Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: ERIKBARKKLEY 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
Paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??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: You are delinquent for $220. What is this from? - chuchutrain
A: It's an error on my credit report. Still working to get it off. It's from a car purchase. (Nov-03-2010)
Q: How many credit cards would you like to pay off with this loan? - dime-futurist
A: 2 (Nov-03-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
walabie$25.00$25.0010/28/2010 3:04:11 PM
GElender$50.00$50.0010/28/2010 3:25:01 PM
jazzlender$50.00$50.0010/28/2010 3:25:33 PM
newest-bountiful-basis$25.00$25.0010/28/2010 3:26:24 PM
mjunlimited$50.00$50.0010/28/2010 3:30:12 PM
narblark$50.00$50.0010/28/2010 3:03:06 PM
GCInvestments$25.00$25.0010/28/2010 3:31:54 PM
tolerant-dinero2$25.00$25.0010/28/2010 3:32:49 PM
BxRealtor$25.00$25.0010/28/2010 3:31:29 PM
handshake5$100.00$100.0010/28/2010 3:31:39 PM
ogmanny$50.00$50.0010/28/2010 3:34:08 PM
Banker7371$25.00$25.0010/28/2010 3:46:51 PM
magnificent-reward9$25.00$25.0010/28/2010 3:59:30 PM
Artist_Blue$25.00$25.0010/29/2010 6:03:09 AM
gjh37$25.00$25.0010/29/2010 6:52:30 AM
the-profit-oracle$25.00$25.0010/28/2010 10:17:13 PM
eclicknsave$25.00$25.0010/29/2010 12:24:19 AM
velocity-solo$25.00$25.0010/29/2010 9:43:06 AM
tntmojave$25.00$25.0010/29/2010 2:26:52 AM
jga516$25.00$25.0010/29/2010 9:51:58 AM
mommyhelper$25.00$25.0010/29/2010 10:48:31 AM
simplelender80$100.00$100.0010/30/2010 7:47:27 AM
satisfying-durability$25.00$25.0010/30/2010 5:14:39 AM
blindtaxidriver$25.00$25.0010/30/2010 3:01:46 AM
bentheretoo$50.00$50.0010/30/2010 5:33:56 AM
Hogpilot$25.00$25.0010/30/2010 5:43:03 AM
MM1207$25.00$25.0010/30/2010 8:10:32 AM
laufer32304$50.00$50.0010/30/2010 10:06:24 AM
lukeskywalkerkp$50.00$50.0010/30/2010 9:01:30 AM
jimbo29blue$50.00$50.0010/30/2010 9:17:26 AM
justalender$25.00$25.0010/30/2010 11:21:56 AM
Dr_M$25.00$25.0010/31/2010 6:11:39 AM
inspiring-reward$75.00$75.0010/30/2010 7:23:07 PM
julijask$28.68$28.6810/31/2010 10:39:00 AM
OoM$25.00$25.0010/31/2010 4:41:14 PM
zeelender$25.00$25.0011/1/2010 6:33:15 AM
reward-tsunami7$25.00$25.0011/1/2010 2:14:33 PM
larrybird$150.00$150.0011/1/2010 11:41:30 AM
the-money-position$50.00$50.0011/1/2010 4:17:57 PM
newest-sensible-hope$50.00$50.0011/1/2010 6:33:02 PM
sildoc$25.00$25.0011/1/2010 7:24:38 PM
credible-balance0$25.00$25.0011/1/2010 7:57:16 PM
paul1$25.00$25.0011/1/2010 8:44:37 PM
wtrboy$50.00$50.0011/2/2010 5:31:44 AM
tearingstar$50.00$50.0011/1/2010 8:44:25 PM
Pacific-Bank$50.00$50.0011/1/2010 10:32:03 PM
Georgia_Boy$50.00$50.0011/2/2010 5:48:44 AM
taylor883$40.63$40.6311/2/2010 5:58:30 AM
CaptainBlueberry$25.00$25.0011/2/2010 7:03:50 AM
balanced-bill7$50.00$50.0011/2/2010 7:28:44 AM
flwah$25.00$25.0011/2/2010 7:43:30 AM
13nd3r$25.00$25.0011/2/2010 9:44:23 AM
kegs$150.00$150.0011/2/2010 9:52:26 AM
inspired-investment8$50.00$50.0011/2/2010 8:59:17 AM
outofoffice$50.00$50.0011/2/2010 10:09:39 AM
reflective-rupee$444.00$444.0011/2/2010 11:49:31 AM
Tradesmanlender$35.00$35.0011/2/2010 1:48:41 PM
wampum-chorus3$25.00$25.0011/2/2010 2:34:26 PM
resplendent-dollar$50.00$50.0011/2/2010 2:33:47 PM
affluence-tycoon$25.00$25.0011/2/2010 3:32:29 PM
richmondcowboy$25.00$25.0011/2/2010 3:45:35 PM
encore02$50.00$50.0011/2/2010 5:49:34 PM
missing-link$50.00$50.0011/2/2010 4:00:21 PM
78$29.53$29.5311/2/2010 7:07:46 PM
cautious1$50.00$50.0011/2/2010 7:15:49 PM
balance6$25.00$25.0011/2/2010 4:48:28 PM
PK_USMC$25.00$25.0011/2/2010 4:33:24 PM
chinolatino$25.00$25.0011/2/2010 4:43:04 PM
psa1995$28.34$28.3411/3/2010 6:02:59 AM
dedicated-transaction796$50.00$9.9311/3/2010 9:35:47 AM
grf1945$50.00$50.0011/3/2010 9:28:14 AM
sosleep$25.00$25.0011/3/2010 9:47:09 AM
relierma$25.00$25.0011/3/2010 3:32:13 PM
Richmp412$25.00$25.0011/3/2010 5:13:48 PM
PalmerTheEmbalmer$25.00$25.0011/3/2010 11:23:03 PM
plouie$25.00$25.0011/4/2010 2:32:28 AM
zevonyc$25.00$25.0011/4/2010 7:11:42 AM
best-vivacious-funds$25.00$25.0011/4/2010 12:33:34 PM
a-golden-deal$25.00$25.0011/4/2010 12:55:27 PM
REITRUST$25.00$25.0011/4/2010 1:06:43 PM
bold-enriching-capital$50.00$50.0011/4/2010 12:09:37 PM
glc527$35.00$35.0011/4/2010 1:32:42 PM
nbah123$50.00$50.0011/4/2010 2:56:35 PM
socal-lender$25.00$25.0010/28/2010 3:18:22 PM
UncleSafety$25.00$25.0010/28/2010 3:28:01 PM
bold-durability-drum$50.00$50.0010/28/2010 3:30:33 PM
doncm$50.00$50.0010/28/2010 3:03:15 PM
point-kitten6$50.00$50.0010/28/2010 3:31:47 PM
worth-arch$25.00$25.0010/28/2010 3:03:43 PM
nickel-ferret$50.00$50.0010/28/2010 3:34:39 PM
loyalty-sherpa$50.00$50.0010/28/2010 3:35:46 PM
ray1051$75.00$75.0010/28/2010 3:25:59 PM
Weaverville$50.00$50.0010/28/2010 3:21:30 PM
organized-payment6$50.00$50.0010/28/2010 3:25:18 PM
radforj22$25.00$25.0010/28/2010 3:32:03 PM
rescue$100.00$100.0010/28/2010 3:32:12 PM
subtle-revenue0$25.00$25.0010/28/2010 3:33:21 PM
teller$50.00$50.0010/28/2010 3:30:04 PM
natural-affluence4$25.00$25.0010/28/2010 3:30:50 PM
valiant-liberty4$25.00$25.0010/28/2010 3:35:49 PM
best-deal-banker$25.00$25.0010/28/2010 3:46:59 PM
jdwillcox$100.00$100.0010/28/2010 3:33:13 PM
studious-bonus7$100.00$100.0010/28/2010 3:33:42 PM
brazilofmux$100.00$100.0010/28/2010 3:34:25 PM
csarradio$25.00$25.0010/29/2010 5:03:37 AM
mizon291$50.00$50.0010/28/2010 9:59:16 PM
zone6$50.00$50.0010/29/2010 2:26:23 AM
mla$25.00$25.0010/29/2010 1:44:09 AM
wwwUniversal$25.00$25.0010/29/2010 2:20:34 AM
QuinMccoy$50.00$50.0010/29/2010 6:52:34 AM
graceful-investment$100.00$100.0010/29/2010 5:40:06 PM
rekitten$100.00$100.0010/29/2010 6:11:37 PM
a-finance-nirvana$25.00$25.0010/30/2010 4:42:47 AM
money-bauble$25.00$25.0010/30/2010 7:38:03 AM
riproaringrapids$25.00$25.0010/30/2010 7:00:06 AM
jimbo29blue$50.00$50.0010/30/2010 9:17:51 AM
jimbo29blue$50.00$50.0010/30/2010 9:18:20 AM
payout-magician$50.00$50.0010/30/2010 10:42:38 AM
rjleves$50.00$50.0010/30/2010 2:23:33 PM
flopcat$25.00$25.0010/30/2010 2:08:08 PM
adir1$25.00$25.0010/31/2010 9:46:13 AM
doc1$100.00$100.0010/31/2010 4:41:21 PM
orange-dollar-guild$25.00$25.0011/1/2010 6:58:50 AM
tech310$50.00$50.0010/31/2010 9:43:17 PM
indomitable-coin$50.00$50.0011/1/2010 8:58:06 AM
g314$30.00$30.0010/31/2010 11:49:04 PM
alpinaut$25.00$25.0011/1/2010 4:48:44 AM
goodfaithAK$25.00$25.0011/1/2010 12:49:45 AM
Interstate_Rate$50.00$50.0011/1/2010 7:28:36 AM
plentiful-reward$50.00$50.0011/1/2010 6:57:33 AM
AuroraRobbin$50.00$50.0011/1/2010 7:15:53 AM
bxdoc$25.00$25.0011/1/2010 8:33:07 AM
Coach-n-u$26.66$26.6611/1/2010 12:34:37 PM
108lender$150.00$150.0011/1/2010 4:46:10 PM
gracej$25.00$25.0011/1/2010 6:41:44 PM
CAGE-Investments$25.00$25.0011/1/2010 6:42:17 PM
rjrventure$75.00$75.0011/1/2010 6:54:14 PM
ansset$25.00$25.0011/1/2010 6:30:32 PM
availableloan$25.00$25.0011/1/2010 6:33:04 PM
icchok$50.00$50.0011/2/2010 5:56:45 AM
blissful-responsibility4$25.00$25.0011/2/2010 5:31:38 AM
Mindful7$25.00$25.0011/2/2010 6:25:12 AM
Tomeus$75.00$75.0011/2/2010 9:03:20 AM
leverage-monger$34.00$34.0011/2/2010 10:20:36 AM
checkuto$25.00$25.0011/2/2010 9:37:13 AM
mattpet$25.00$25.0011/2/2010 9:44:47 AM
grampy48$25.00$25.0011/2/2010 11:59:13 AM
greenback-guard$25.00$25.0011/2/2010 1:22:46 PM
ti22ring$25.00$25.0011/2/2010 12:27:02 PM
PatRichi$25.00$25.0011/2/2010 1:20:07 PM
Aimvest$25.00$25.0011/2/2010 1:48:39 PM
gristle$50.00$50.0011/2/2010 1:38:11 PM
srspank24$100.00$100.0011/2/2010 2:35:29 PM
wise382$25.01$25.0111/2/2010 2:55:00 PM
runfree$87.63$87.6311/2/2010 4:28:12 PM
chlebie$25.00$25.0011/2/2010 4:04:55 PM
best-coin-miser$25.00$25.0011/2/2010 4:30:41 PM
investment-comet$25.00$25.0011/2/2010 9:14:49 PM
comet55$25.00$25.0011/2/2010 6:43:40 PM
astute-benjamins$150.00$150.0011/2/2010 10:33:18 PM
horse697$50.00$50.0011/3/2010 5:25:58 AM
ideal-platinum1$25.00$25.0011/3/2010 2:38:09 AM
cybernosha$25.00$25.0011/3/2010 9:13:01 AM
marshallmanhattan$25.00$25.0011/3/2010 9:53:45 AM
SelectTrustLending$25.00$25.0011/3/2010 9:13:49 AM
crw1950$50.00$50.0011/3/2010 10:08:09 AM
rmpedi33$50.00$50.0011/3/2010 9:59:17 AM
ethicalhumanist$50.00$50.0011/3/2010 12:46:10 PM
indomitable-coin$100.00$100.0011/3/2010 1:48:48 PM
LMPjr007$31.76$31.7611/3/2010 1:28:19 PM
pure-fairness$25.00$25.0011/3/2010 3:18:55 PM
squarebob$25.00$25.0011/3/2010 4:53:23 PM
gjm6d$25.00$25.0011/3/2010 4:36:24 PM
LawyerLoan$25.00$25.0011/3/2010 5:05:28 PM
jayh888$30.00$30.0011/3/2010 6:26:41 PM
caring-hope2$50.00$50.0011/3/2010 9:01:13 PM
grampy48$25.00$25.0011/3/2010 7:17:53 PM
lonix$25.00$25.0011/3/2010 8:14:12 PM
punctual-kindness3$25.00$25.0011/4/2010 4:42:59 AM
BerkeleyBonds$50.00$50.0011/4/2010 9:58:21 AM
cpbreton$25.00$25.0011/4/2010 9:59:41 AM
OoM$25.00$25.0011/4/2010 9:21:44 AM
Torero06$33.83$33.8311/4/2010 9:51:11 AM
hope-hickory$25.00$25.0011/4/2010 9:59:39 AM
2Below$25.00$25.0011/4/2010 11:28:21 AM
edsmoney$100.00$100.0011/4/2010 12:51:05 PM
haryassman$25.00$25.0011/4/2010 2:05:47 PM
GBlack$25.00$25.0011/4/2010 2:20:05 PM
sturdy-velocity6$50.00$50.0011/4/2010 2:12:38 PM
bonus-genius$25.00$25.0011/4/2010 2:11:49 PM
power-cell$25.00$25.0011/4/2010 2:28:31 PM
DanV$25.00$25.0011/4/2010 2:58:34 PM
192 bids
 
Borrower Payment Dependent Notes Series 481915
This series of Notes was issued and sold upon the funding of the borrower loan #45218, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Oct-28-2010 
  Auction end date:  Nov-04-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $156.68
Final lender yield: 6.95% Final borrower rate/APR: 7.95% / 8.29% Final monthly payment: $156.57
 
Auction yield range: 2.71% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-1990 Debt/Income ratio: 6%
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,106Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: worlds-best-auction9 Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff Debt at a Lower Rate!
Purpose of loan:
This loan will be used to payoff my Visa card which is currently at 19.25%.

My financial situation:
I am a good candidate for this loan because I have maintained excellent credit and always pay on time.? Thank you in advance for your consideration!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your listing shows a Revolving credit balance of $1,106. Is the $5K you are asking for due to a recent expense? Thanks. - squarebob
A: Yes, it is. (Nov-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
blot44$25.00$25.0010/28/2010 3:25:17 PM
turbospeed$25.00$25.0010/28/2010 3:23:54 PM
Sarspatula$25.00$25.0010/28/2010 7:43:41 PM
impartial-deal$25.00$25.0010/29/2010 6:51:10 AM
eclicknsave$25.00$25.0010/29/2010 12:26:07 AM
manuvns$25.00$25.0010/29/2010 5:18:41 AM
restless-balance9$50.00$50.0010/29/2010 8:37:19 AM
interact$25.00$25.0010/29/2010 9:36:45 AM
lulubelle98$100.00$100.0010/29/2010 12:31:28 PM
beachfunder$25.00$25.0010/29/2010 1:57:07 PM
Digs$25.00$25.0010/29/2010 10:48:34 AM
paramjit$100.00$100.0010/29/2010 7:56:20 PM
kander80$25.00$25.0010/30/2010 9:39:08 AM
bonus-sensai825$25.00$25.0010/30/2010 7:52:16 AM
LOML$35.00$35.0010/30/2010 10:01:43 AM
misohoni$100.00$100.0010/30/2010 10:24:41 AM
doc1$100.00$100.0010/31/2010 4:42:25 PM
clean-fund$25.00$25.0011/1/2010 11:00:25 AM
velocity-solo$25.00$25.0011/1/2010 11:39:54 AM
bfn311$25.00$25.0011/1/2010 10:33:14 AM
engaging-worth$25.00$25.0011/1/2010 2:35:37 PM
HT3$25.00$25.0011/2/2010 2:06:52 AM
elvisloans$25.00$25.0011/2/2010 6:31:53 AM
bannybucks$25.00$25.0011/2/2010 7:46:56 AM
Dollars4Rent$25.00$25.0011/2/2010 10:49:41 AM
Dollars4Rent$25.00$25.0011/2/2010 10:49:26 AM
patriot897$50.00$50.0011/2/2010 3:17:01 PM
bradny$25.00$25.0011/2/2010 5:28:04 PM
GALERXLoans$30.00$30.0011/2/2010 5:50:12 PM
casinvestments$25.00$25.0011/2/2010 6:33:51 PM
JIM1JIM2$75.00$75.0011/2/2010 8:25:30 PM
ualdriver$41.75$41.7511/2/2010 9:17:31 PM
-Me$50.00$50.0011/3/2010 1:20:41 AM
rce1964$25.00$25.0011/3/2010 1:22:40 AM
bankofriverside$32.62$32.6211/3/2010 7:15:17 AM
GEOFFS3$25.00$25.0011/3/2010 8:46:54 AM
marshallmanhattan$25.00$25.0011/3/2010 9:57:16 AM
ethicalhumanist$50.00$50.0011/3/2010 12:48:37 PM
rockytop$50.00$50.0011/3/2010 4:14:51 PM
fair_rates$25.00$25.0011/4/2010 1:19:02 AM
plumber87$25.00$25.0011/4/2010 1:47:55 AM
kc_dude$25.00$25.0011/3/2010 9:46:04 PM
llequire1$46.07$46.0711/4/2010 4:22:11 AM
dpries123$25.00$25.0011/4/2010 6:27:12 AM
Richmp412$25.00$25.0011/4/2010 1:00:21 PM
REITRUST$25.00$25.0011/4/2010 1:05:36 PM
CPA_Lender$25.00$25.0011/4/2010 1:40:09 PM
marwadi-62$300.00$300.0011/4/2010 2:07:21 PM
platinum-hunter7$40.00$40.0010/28/2010 3:14:57 PM
selector568$500.00$500.0010/28/2010 3:25:13 PM
AK49-JW$26.64$26.6410/28/2010 8:10:23 PM
RandyL3$25.00$25.0010/28/2010 3:34:59 PM
UncleSafety$75.00$75.0010/28/2010 3:38:47 PM
penny-plato$50.00$50.0010/28/2010 4:12:59 PM
commerceasaurus-rex2$25.00$25.0010/28/2010 5:28:22 PM
silver-dogwood4$25.00$25.0010/29/2010 7:08:45 AM
zevonyc$25.00$25.0010/29/2010 7:49:20 AM
ore-bada-bing$100.00$100.0010/29/2010 12:33:29 AM
capital-star5$25.20$25.2010/29/2010 4:46:00 AM
heroic-payout9$25.00$25.0010/29/2010 10:53:20 AM
CFOGO$25.00$25.0010/29/2010 12:47:43 PM
ichibon$50.00$50.0010/29/2010 6:11:08 PM
265alan0$26.00$26.0010/29/2010 8:07:17 PM
Saab93$25.00$25.0010/29/2010 5:18:20 PM
Planecourage$30.00$30.0010/29/2010 6:22:37 PM
worth-excellence4$25.00$25.0010/29/2010 10:48:01 PM
eCapital$25.00$25.0010/30/2010 1:10:34 PM
ingenious-order783$25.00$25.0010/30/2010 10:52:38 AM
FundMaker$25.00$25.0010/30/2010 3:30:26 PM
payout-magician$100.00$100.0010/30/2010 10:43:48 AM
ttnk62918$25.00$25.0010/30/2010 9:38:00 PM
JohnSmith10$25.00$25.0010/31/2010 2:03:46 PM
interstellar$50.00$50.0010/31/2010 6:24:52 AM
alaskanbearcub$25.00$25.0010/31/2010 4:56:36 PM
LenderCB$25.00$25.0010/31/2010 10:55:41 PM
giovani$25.00$17.8710/31/2010 6:07:35 PM
FLFF$50.00$50.0011/1/2010 6:42:16 AM
golfreak923$25.00$25.0011/1/2010 9:19:27 AM
tolerant-dinero2$25.00$25.0011/1/2010 10:17:24 AM
surfsider123$25.00$25.0011/1/2010 3:04:49 PM
copiosus$25.00$25.0011/1/2010 1:21:48 PM
theloanteacher$25.00$25.0011/1/2010 6:17:21 PM
priceless-cash5$25.00$25.0011/1/2010 6:30:04 PM
loanshark62$25.00$25.0011/1/2010 6:38:06 PM
nocal_lender$25.00$25.0011/1/2010 10:17:47 PM
octoberfresh$35.00$35.0011/2/2010 7:40:48 AM
-thisguy-$25.00$25.0011/2/2010 8:44:04 AM
happyjackbak$50.00$50.0011/2/2010 8:48:03 AM
outofoffice$50.00$50.0011/2/2010 10:08:58 AM
grampy48$25.00$25.0011/2/2010 12:00:03 PM
hookUup$50.00$50.0011/2/2010 1:39:05 PM
yogi1975$25.00$25.0011/2/2010 5:07:14 PM
availableloan$25.00$25.0011/2/2010 6:39:50 PM
Barky52$25.00$25.0011/2/2010 6:55:41 PM
JIM1JIM2$75.00$75.0011/2/2010 8:26:19 PM
Shelby2082$25.00$25.0011/3/2010 12:57:20 AM
investment-artist$25.00$25.0011/3/2010 9:51:16 AM
LawyerLoan$45.00$45.0011/3/2010 5:11:24 PM
lion445$25.00$25.0011/3/2010 4:48:15 PM
encouraging-fund$25.00$25.0011/3/2010 7:08:24 PM
LSAR$25.00$25.0011/4/2010 3:22:40 AM
Charmart$25.00$25.0011/4/2010 3:27:29 AM
crw1950$25.00$25.0011/4/2010 5:43:54 AM
BankofBeth$25.00$25.0011/4/2010 8:44:09 AM
LianaB$50.00$50.0011/4/2010 9:22:23 AM
aliasqalias$25.00$25.0011/4/2010 10:59:50 AM
Astyanax$75.00$75.0011/4/2010 11:50:14 AM
vulgy$50.00$50.0011/4/2010 12:22:31 PM
AsianDragon$100.00$100.0011/4/2010 1:31:06 PM
dollardave$50.00$50.0011/4/2010 12:22:50 PM
prainvestment$50.00$50.0011/4/2010 12:50:44 PM
qkinger$50.00$50.0011/4/2010 2:12:35 PM
debt-legend$25.00$25.0011/4/2010 2:12:39 PM
entertaining-credit3$43.85$43.8511/4/2010 2:20:16 PM
indomitable-coin$50.00$50.0011/4/2010 2:10:12 PM
justice-officer$25.00$25.0011/4/2010 2:19:47 PM
pine643$50.00$50.0011/4/2010 2:26:47 PM
117 bids
 
Borrower Payment Dependent Notes Series 482051
This series of Notes was issued and sold upon the funding of the borrower loan #45212, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-29-2010 
  Auction end date:  Nov-03-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $173.08
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $173.08
 
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: Nov-1994 Debt/Income ratio: 6%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,233Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: topper5 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
Need help with MS Cert loan
Purpose of loan:
I need this loan to pay for updated Microsoft certification boot camp. I am in need to certifications to remain gainfully employed in my position within the IT field as a server administrator.? I will use this loan to fund a certification boot camp that will allow me to be certified with the latest Microsoft certifications in 10 days.

My financial situation:
I am a good candidate for this loan because I have zero late payments on my current and former credit cards including car loans that are paid in full. I do have a bankruptcy but have not been late on any payments since and have paid loans and card balances in full including car loans.

Monthly net income: $
3000.00

Monthly expenses: $
??Housing: $ 200.00
??Insurance: $ 200.00
??Car expenses: $ 40.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 89.99
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: If you bring home $3000 a month and your bills only add up to approximately $840 a month where is the rest of your money going? seems to me that you should not need this loan. please answer publicly. - Stock-Stud
A: As a condition of my current employer, I need to become certified within the next month. I do not have the funds at this short notice to purchase the training. (Nov-01-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
williemc44$50.00$50.0010/29/2010 2:56:08 PM
teller$50.00$50.0010/29/2010 3:02:20 PM
GCInvestments$25.00$25.0010/29/2010 3:03:26 PM
subtle-revenue0$25.00$25.0010/29/2010 3:04:34 PM
organized-payment6$25.00$25.0010/29/2010 3:04:38 PM
GElender$75.00$75.0010/29/2010 2:56:01 PM
radforj22$25.00$25.0010/29/2010 3:03:37 PM
Lend2006$30.00$30.0010/29/2010 3:51:59 PM
handshake5$100.00$100.0010/29/2010 3:03:19 PM
rescue$100.00$100.0010/29/2010 3:03:50 PM
enthralling-deal180$50.00$50.0010/29/2010 3:04:26 PM
nickel-ferret$50.00$50.0010/29/2010 3:05:01 PM
loyalty-sherpa$50.00$50.0010/29/2010 3:05:25 PM
brazilofmux$45.75$45.7510/30/2010 10:06:03 AM
best-deal-banker$25.00$25.0010/30/2010 7:23:00 AM
graceful-investment$100.00$100.0010/30/2010 11:31:43 AM
simplelender80$100.00$100.0010/30/2010 7:47:34 AM
flopcat$25.00$25.0010/30/2010 2:08:01 PM
Artist_Blue$25.00$25.0010/30/2010 8:18:20 AM
efficient-treasure0$25.00$25.0010/31/2010 9:07:46 AM
wealth-cheetah7$50.00$50.0010/31/2010 7:15:15 AM
studious-bonus7$100.00$100.0010/31/2010 11:07:00 AM
uncleubb$25.00$25.0010/31/2010 2:08:27 PM
tntmojave$25.00$25.0010/31/2010 2:11:20 PM
successful-agreement7$69.52$69.5210/31/2010 5:55:57 PM
orange-dollar-guild$25.00$25.0011/1/2010 6:58:55 AM
tenacious-commitment6$25.00$25.0011/1/2010 10:29:13 AM
Prosp_Lender$50.00$50.0011/1/2010 10:48:57 AM
indomitable-coin$50.00$50.0011/1/2010 8:58:11 AM
cclady$50.00$50.0011/1/2010 8:09:41 AM
Malkial$25.00$25.0011/1/2010 9:36:08 AM
respectful-credit3$50.00$50.0011/1/2010 4:20:25 PM
Pacific-Bank$50.00$50.0011/1/2010 10:32:10 PM
icchok$50.00$50.0011/2/2010 5:56:51 AM
ichibon$150.00$150.0011/2/2010 8:13:33 AM
balanced-bill7$50.00$50.0011/2/2010 7:28:41 AM
plentiful-reward$48.12$48.1211/2/2010 7:09:04 AM
interstellar$50.00$50.0011/2/2010 8:19:25 AM
mattpet$25.00$25.0011/2/2010 9:44:49 AM
the-money-position$25.00$25.0011/2/2010 10:33:06 AM
reflective-rupee$44.00$44.0011/2/2010 12:11:19 PM
systemlender$100.00$100.0011/2/2010 11:43:39 AM
hookUup$50.00$50.0011/2/2010 1:52:46 PM
honey-money$25.00$25.0011/2/2010 7:17:05 PM
vigorous-moola$36.00$36.0011/3/2010 5:51:57 AM
Mindful7$25.00$25.0011/3/2010 4:56:31 AM
jazzlender$25.00$25.0010/29/2010 2:56:25 PM
selector568$400.00$400.0010/29/2010 3:01:59 PM
bold-durability-drum$50.00$50.0010/29/2010 3:02:41 PM
natural-affluence4$25.00$25.0010/29/2010 3:02:48 PM
BxRealtor$25.00$25.0010/29/2010 3:03:08 PM
jdwillcox$100.00$100.0010/29/2010 3:04:10 PM
doncm$50.00$50.0010/29/2010 3:05:52 PM
Weaverville$50.00$50.0010/29/2010 2:53:32 PM
narblark$50.00$50.0010/29/2010 3:05:37 PM
ray1051$25.00$25.0010/29/2010 3:02:24 PM
mjunlimited$50.00$50.0010/29/2010 3:02:29 PM
skuba$25.00$25.0010/29/2010 3:03:01 PM
velocity-solo$25.00$25.0010/29/2010 3:08:31 PM
the-profit-oracle$25.00$25.0010/30/2010 4:07:08 AM
money-bauble$25.00$25.0010/30/2010 7:38:10 AM
MM1207$25.00$25.0010/30/2010 8:10:18 AM
riproaringrapids$25.00$25.0010/30/2010 7:00:13 AM
rjleves$50.00$50.0010/30/2010 2:23:44 PM
inspiring-reward$75.00$75.0010/30/2010 7:23:02 PM
credit-coach118$25.00$25.0010/30/2010 12:56:38 PM
dollardave$88.20$88.2010/30/2010 5:01:06 PM
generous-deal6$50.00$50.0010/30/2010 5:25:30 PM
crippledcircus$58.91$58.9110/31/2010 12:34:00 PM
terryaj$50.00$50.0010/31/2010 12:38:55 PM
laufer32304$50.00$50.0010/31/2010 10:07:22 AM
tech310$50.00$50.0010/31/2010 9:43:23 PM
spudbeach$60.00$60.0010/31/2010 10:34:13 PM
g314$30.00$30.0010/31/2010 11:48:49 PM
tolerant-dinero2$25.00$25.0011/1/2010 10:17:26 AM
Interstate_Rate$50.00$50.0011/1/2010 7:28:27 AM
larrybird$150.00$150.0011/1/2010 11:41:38 AM
BrLender$25.00$25.0011/1/2010 12:57:59 PM
alpinaut$25.00$25.0011/1/2010 4:24:01 PM
108lender$150.00$150.0011/1/2010 4:46:20 PM
a-finance-nirvana$25.00$25.0011/1/2010 6:42:29 PM
Islandgal$40.00$40.0011/1/2010 7:09:16 PM
point-kitten6$50.00$50.0011/1/2010 6:42:34 PM
tearingstar$50.00$50.0011/1/2010 8:44:35 PM
schnatty$50.00$50.0011/2/2010 7:29:19 AM
bondhedger$25.00$25.0011/2/2010 8:19:19 AM
flwah$25.00$25.0011/2/2010 7:43:37 AM
13nd3r$25.00$25.0011/2/2010 9:44:25 AM
valiant-liberty4$25.00$25.0011/2/2010 9:13:24 AM
CaptainBlueberry$25.00$24.5011/2/2010 10:49:32 AM
inspired-investment8$50.00$50.0011/2/2010 8:59:19 AM
kegs$150.00$150.0011/2/2010 9:52:30 AM
Loan-Mart$100.00$100.0011/2/2010 11:28:24 AM
grampy48$25.00$25.0011/2/2010 12:10:26 PM
greenback-guard$25.00$25.0011/2/2010 1:23:05 PM
hidavehi$25.00$25.0011/2/2010 6:59:11 PM
96 bids
 
Borrower Payment Dependent Notes Series 482065
This series of Notes was issued and sold upon the funding of the borrower loan #45232, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,600.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Oct-29-2010 
  Auction end date:  Nov-05-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $104.41
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $104.41
 
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: Feb-1987 Debt/Income ratio: 8%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 8Length of status:23y 6m
Amount delinquent: $785 Total credit lines: 46 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,616Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: invincible-greenback 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
 
Principal balance: $1,634.62 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Ramping up!
Purpose of loan:
My wife and I just launched a fashion boutique in a great location in NJ.? The build out is complete but we need a?small amount of additional capital to?top off the inventory for?our Thanksgiving opening.?We are really excited about the launch!

My financial situation:
I have a tight but manageable financial situation.? Even through tough times my credit score and payment history have remained good.? The one account issue on my report stemmed from an account dispute and has been resolved but unfortunately I cannot wait until the next reporting cycle.? My oldest son graduates from college this year which frees up income for other purposes.

Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 400
??Car expenses: $ 300
??Utilities: $ 280
??Phone, cable, internet: $?300
??Food, entertainment: $ 800
??Clothing, household expenses $ 350
??Credit cards and other loans: $ 400
??Other expenses: $ 1500 - College
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
valiant-liberty4$25.00$25.0010/29/2010 3:07:14 PM
balance-handshake7$25.00$25.0010/29/2010 3:11:33 PM
SDNLR$25.00$25.0010/29/2010 3:11:47 PM
radiant-loan5$200.00$200.0010/29/2010 3:02:53 PM
velocity-solo$25.00$25.0010/29/2010 3:08:40 PM
HHP$25.00$25.0010/29/2010 8:43:08 PM
Artist_Blue$25.00$25.0010/30/2010 8:18:39 AM
lloyd_s$25.00$25.0010/30/2010 11:56:58 AM
successful-agreement7$100.00$100.0010/31/2010 2:11:16 PM
nybanker85$50.00$50.0010/31/2010 2:37:04 PM
inspiring-reward$25.00$25.0011/1/2010 12:05:53 AM
washboard1$50.00$50.0010/31/2010 9:24:08 PM
platinum-celebration4$25.00$25.0011/1/2010 9:40:29 AM
rmpedi33$25.00$25.0011/1/2010 11:21:10 AM
Comoparklender$25.00$25.0011/1/2010 12:29:33 PM
handshake5$100.00$100.0011/1/2010 4:34:39 PM
108lender$100.00$100.0011/1/2010 6:43:42 PM
missing-link$100.00$40.3711/2/2010 2:17:41 PM
greenback-guard$25.00$25.0011/3/2010 3:09:30 PM
Bob450$25.00$25.0011/3/2010 10:19:03 PM
Nailman88$25.00$25.0011/3/2010 7:45:41 PM
power-secret-agent$25.00$25.0011/4/2010 4:03:10 AM
ALFLoan$25.00$25.0011/4/2010 8:35:11 AM
bondhedger$25.00$25.0011/4/2010 10:26:27 AM
Leshan$50.00$50.0011/4/2010 3:45:07 PM
precious-coin3$25.00$25.0011/4/2010 3:33:16 PM
thankful-nickel2$25.00$25.0011/4/2010 7:36:00 PM
Sparchange$25.00$25.0011/4/2010 6:52:59 PM
hillerod$25.00$25.0011/4/2010 8:32:52 PM
dudebrah$25.00$25.0011/4/2010 8:33:01 PM
jc33148$29.63$29.6311/4/2010 8:52:56 PM
silver-parsec$30.00$30.0011/4/2010 11:06:08 PM
Belair_Advisors$25.00$25.0011/5/2010 2:50:59 AM
loyalist1$100.00$100.0010/29/2010 3:01:58 PM
simplelender80$200.00$200.0010/29/2010 3:06:05 PM
suave-dime6$25.00$25.0010/31/2010 5:50:31 PM
graceful-investment$100.00$100.0010/31/2010 9:24:30 PM
bid-czar8$25.00$25.0011/1/2010 7:12:45 AM
tech310$25.00$25.0010/31/2010 9:43:33 PM
moola-wildebeest3$25.00$25.0010/31/2010 9:24:01 PM
forthright-dedication$50.00$50.0011/1/2010 11:30:01 AM
cablenews$50.00$50.0011/1/2010 1:38:43 PM
kulender$50.00$50.0011/2/2010 6:20:50 AM
flwah$25.00$25.0011/2/2010 9:44:11 AM
Moe87$25.00$25.0011/2/2010 4:38:48 PM
red-favorable-basis$25.00$25.0011/3/2010 9:32:17 AM
bold-attentive-listing$25.00$25.0011/3/2010 9:03:36 AM
profit-powerplant$50.00$50.0011/3/2010 9:45:15 AM
interstellar$50.00$50.0011/3/2010 4:17:45 PM
DaiUy$25.00$25.0011/4/2010 1:33:26 PM
noble-marketplace$25.00$25.0011/4/2010 3:26:41 PM
integrity-doctor$100.00$100.0011/4/2010 4:11:36 PM
RebuildingAmerica$25.00$25.0011/4/2010 5:22:53 PM
paradisenow$25.00$25.0011/4/2010 5:54:53 PM
yons88$25.00$25.0011/4/2010 7:52:50 PM
hookUup$100.00$100.0011/4/2010 8:38:44 PM
CapricornLending$25.00$25.0011/4/2010 9:26:57 PM
Cawse$25.00$25.0011/4/2010 9:27:38 PM
supreme-hope$25.00$25.0011/5/2010 2:31:42 AM
klemer$25.00$25.0011/5/2010 4:11:02 AM
60 bids
 
Borrower Payment Dependent Notes Series 482403
This series of Notes was issued and sold upon the funding of the borrower loan #45220, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Nov-02-2010 
  Auction end date:  Nov-05-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $135.55
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $135.55
 
Auction yield range: 5.71% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1996 Debt/Income ratio: 7%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,548Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: shiny-payment Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
720-739 (Nov-2009)
720-739 (May-2009)
 
Principal balance: $1,187.69 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Car troubles
Purpose of loan:
My stepson is 18 began living with us 15 months ago.? Before he lived with us, he had failed out of high school, had never had a job and had no prospects.? Since moving here, he has obtained his GED, found a decent job, enrolled in college and paid for it all himself, and is also getting good grades.? All while moving from the country to a very large city, helping take care of his little brother (I work full-time and his dad travels for work a lot so sometimes he watches the younger one and gives him rides) and remaining drug and alcohol-free.? So I bought him a truck.?

Three months ago, a girl was texting and rear-ended him, which totaled the truck.? It was still drivable, so he bought it back salvage title? and saved up to replace the dented parts.? He just got the new bumper on last month and yesterday, the transmission went out and it costs more to repair than the truck is worth.

I found a new(ish) vehicle for him today.? It's a Honda Civic, so it gets way better gas mileage, but I don't quite have enough to buy it.? He's come so far and worked so hard and even pays for his own insurance; I would really like to be able to support him through the next steps on his way to becoming a responsible adult.

My financial situation:
I am a good candidate for this lo

Monthly net income: $ 3600

Monthly expenses: $
??Housing: 1300$
??Insurance: 150$
??Car expenses: 400$
??Utilities: 400$
??Phone, cable, internet: 100$
??Food, entertainment: 600$
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 350
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
balanced-bill7$50.00$50.0011/2/2010 3:22:53 PM
icchok$50.00$50.0011/2/2010 3:21:49 PM
graceful-investment$100.00$100.0011/2/2010 3:21:03 PM
inspired-investment8$50.00$50.0011/2/2010 3:24:26 PM
larrybird$150.00$150.0011/2/2010 3:46:41 PM
williemc44$50.00$50.0011/2/2010 3:47:00 PM
bold-durability-drum$50.00$50.0011/2/2010 3:50:06 PM
natural-affluence4$25.00$25.0011/2/2010 3:50:17 PM
BxRealtor$25.00$25.0011/2/2010 3:51:02 PM
MM1207$25.00$25.0011/2/2010 3:54:08 PM
tech310$50.00$50.0011/2/2010 3:54:33 PM
organized-payment6$25.00$25.0011/2/2010 3:51:52 PM
ray1051$25.00$25.0011/2/2010 3:49:46 PM
handshake5$100.00$100.0011/2/2010 3:51:10 PM
missing-link$50.00$50.0011/2/2010 4:00:50 PM
generous-deal6$50.00$50.0011/2/2010 3:54:19 PM
Interstate_Rate$50.00$50.0011/2/2010 3:54:57 PM
chlebie$50.00$50.0011/2/2010 4:07:04 PM
wealth-cheetah7$100.80$100.8011/2/2010 8:38:55 PM
one-midas$25.00$25.0011/2/2010 7:08:58 PM
LiquidRaptor$25.00$25.0011/2/2010 8:45:16 PM
comet55$25.00$25.0011/2/2010 8:55:50 PM
the-profit-oracle$25.00$25.0011/3/2010 1:32:30 AM
doncm$38.28$38.2811/3/2010 7:33:12 AM
orbital-return316$25.00$25.0011/3/2010 7:54:43 AM
money-bauble$47.58$47.5811/3/2010 7:04:12 AM
blue-useful-auction$25.00$25.0011/3/2010 9:30:37 AM
orange-dollar-guild$25.00$25.0011/3/2010 10:08:12 AM
melodious-fairness$50.00$50.0011/3/2010 10:42:04 AM
tolerant-dinero2$25.00$25.0011/3/2010 3:07:49 PM
best-coin-miser$25.00$25.0011/3/2010 3:50:00 PM
honey-money$25.00$25.0011/3/2010 6:20:12 PM
bicyclist2270$25.00$25.0011/3/2010 7:15:41 PM
interstellar$50.00$50.0011/4/2010 12:58:21 AM
Ven58$25.00$25.0011/5/2010 1:25:13 AM
ichibon$150.00$150.0011/2/2010 3:23:29 PM
valiant-liberty4$25.00$25.0011/2/2010 3:24:44 PM
rescue$100.00$100.0011/2/2010 3:20:15 PM
flwah$25.00$25.0011/2/2010 3:23:02 PM
teller$50.00$50.0011/2/2010 3:22:34 PM
indomitable-coin$50.00$50.0011/2/2010 3:46:39 PM
GElender$100.00$100.0011/2/2010 3:46:44 PM
Weaverville$50.00$50.0011/2/2010 3:46:53 PM
skuba$25.00$25.0011/2/2010 3:50:49 PM
GCInvestments$25.00$25.0011/2/2010 3:51:22 PM
enthralling-deal180$50.00$50.0011/2/2010 3:51:46 PM
nickel-ferret$50.00$50.0011/2/2010 3:51:57 PM
loyalty-sherpa$50.00$50.0011/2/2010 3:52:18 PM
simplelender80$100.00$100.0011/2/2010 3:53:47 PM
narblark$50.00$50.0011/2/2010 3:45:43 PM
riproaringrapids$25.00$25.0011/2/2010 3:46:21 PM
velocity-solo$25.00$25.0011/2/2010 3:56:31 PM
jdwillcox$100.00$100.0011/2/2010 3:51:38 PM
108lender$100.00$100.0011/2/2010 4:06:06 PM
jazzlender$25.00$25.0011/2/2010 4:18:00 PM
Artist_Blue$25.00$25.0011/2/2010 3:55:27 PM
reflective-rupee$44.00$44.0011/2/2010 4:04:07 PM
efficient-treasure0$25.00$25.0011/2/2010 3:58:23 PM
mjunlimited$50.00$50.0011/2/2010 3:58:35 PM
shellstar$25.00$25.0011/2/2010 7:11:39 PM
adam_rodgers$25.00$25.0011/2/2010 5:57:28 PM
bentheretoo$125.00$125.0011/2/2010 6:57:47 PM
investment-comet$25.00$25.0011/2/2010 9:15:03 PM
uncleubb$25.00$25.0011/3/2010 1:32:19 AM
rjleves$44.03$44.0311/3/2010 1:30:46 AM
heerzaquestion$25.00$25.0011/3/2010 6:54:15 AM
Nyarpy$25.00$25.0011/3/2010 8:38:26 AM
ONECENTATATIME$26.00$26.0011/3/2010 9:34:09 AM
successful-agreement7$55.34$55.3411/3/2010 10:08:14 AM
vishal29$25.00$25.0011/3/2010 11:46:55 AM
maldok1$25.00$25.0011/3/2010 3:49:55 PM
dedicated-transaction796$50.00$50.0011/3/2010 3:53:39 PM
danthemon35$25.00$25.0011/3/2010 4:05:46 PM
wampum-chorus3$25.00$25.0011/3/2010 3:58:01 PM
bondhedger$25.00$25.0011/3/2010 4:17:42 PM
nunnie$25.00$25.0011/3/2010 6:12:12 PM
kmr2$200.00$200.0011/3/2010 6:28:15 PM
brazilofmux$32.20$1.9111/3/2010 6:52:59 PM
therodabides$25.00$25.0011/4/2010 4:25:52 AM
thankful-nickel2$25.00$25.0011/4/2010 5:47:26 AM
outofoffice$45.06$45.0611/4/2010 10:17:15 AM
hidavehi$122.00$122.0011/4/2010 5:14:29 PM
rmpedi33$50.00$50.0011/5/2010 8:45:59 AM
citytreker$50.00$50.0011/5/2010 12:26:00 PM
84 bids
 
Borrower Payment Dependent Notes Series 481016
This series of Notes was issued and sold upon the funding of the borrower loan #45203, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-22-2010 
  Auction end date:  Oct-29-2010 
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 20.61% Starting monthly payment: $34.67
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 20.61% Final monthly payment: $34.67
 
Auction yield range: 10.71% - 14.00% Estimated loss impact: 11.11%  
Lender servicing fee: 1.00% Estimated return: 2.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Investor
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $2,085Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: enthusiast758 Borrower's state: Wisconsin 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
Purchase computer sys for business
Purpose of loan:
I am an independent investor and am in need?of upgrading?my computer system to a?higher grade.?

My financial situation:
I am a good candidate for this loan because I pay off all my loans and my income + assets can cover this loan.
Monthly net income: $ 5250

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 112
??Car expenses: $ 400
??Utilities: $ 40
??Phone, cable, internet: $ 165
??Food, entertainment: $?500
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: With monthly income of $5,250 and monthly expenses of only $1,967, why do you need to borrow $1,000? It seems like you make more than that in 2 weeks. - orange-impartial-asset
A: There really is no financial need for the loan, outiside of wanting to try out prosper, from an investment standpoint and a lending one. I find it best to go toe first into something that I don't have a guarantee on, rather then invest or lend larger amounts with hidden consequences. (Oct-28-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SmallTown5$31.34$31.3410/28/2010 12:10:37 AM
anton$500.00$468.6610/29/2010 10:33:12 AM
orange-impartial-asset$500.00$500.0010/29/2010 7:45:11 AM
3 bids
 
Borrower Payment Dependent Notes Series 481328
This series of Notes was issued and sold upon the funding of the borrower loan #45226, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 60 months Estimated loss: 5.95% Auction start date:  Oct-25-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 19.33% Starting monthly payment: $380.09
Final lender yield: 16.90% Final borrower rate/APR: 17.90% / 19.33% Final monthly payment: $380.09
 
Auction yield range: 6.23% - 16.90% Estimated loss impact: 6.24%  
Lender servicing fee: 1.00% Estimated return: 10.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1998 Debt/Income ratio: 26%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,685Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: exchange-raker1 Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card debt!!!
Purpose of loan:
Pay off those pesky credit cards! No matter how much extra I send the balance never goes away. Trying to get debt free for my boys and was looking for a solution offering a fixed term to get these gone!

My financial situation:
I am a married father of 2 young boys. My wife and I both have stable, secure jobs; she as a Patient Service Rep at a doctor's office and myself as a computer programmer analyst. We just recently became home?owners within the last year and that got us thinking?more and more about our longer term financial goals?for us and?our sons.?We are fully able to make all our current monthly obligations without issue however we just looking for a solution to our credit card debt where there is a finish line in site. We want to start building for our future and the future of our boys and with this never ending credit card payment it's difficult to get the plan going. Given that all other solutions would ask us to miss payments to get a better rate or damage our credit in some other way by settling our debt this seemed like a far better solution. I was raised as an honest person, I would never default or settle my debt. I created the debt I will pay the debt, but with a finish date that we can measure our progress against I can see us being much more able to plan a long term financial future for our family.

Monthly net income: $ 6550

Monthly expenses: $
??Housing: $ 1525
??Insurance: $ 188
??Car expenses: $ 585
??Utilities: $ 240
??Phone, cable, internet: $ 140
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 800
??Other expenses: $ 150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What are the interest rates on your credit cards? - thatguyoverseas
A: One is 13.74% and one is 29.9% with more debt in the higher interest card so overall I'd be paying less interest with this loan. (Nov-01-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
GElender$75.00$75.0010/25/2010 3:10:53 PM
Weaverville$50.00$50.0010/25/2010 3:09:40 PM
williemc44$50.00$50.0010/25/2010 3:11:25 PM
teller$50.00$50.0010/25/2010 3:24:10 PM
bold-durability-drum$50.00$50.0010/25/2010 3:25:31 PM
natural-affluence4$25.00$25.0010/25/2010 3:27:01 PM
skuba$25.00$25.0010/25/2010 3:36:58 PM
Peterman$25.00$25.0010/25/2010 3:31:13 PM
handshake5$100.00$100.0010/25/2010 3:43:25 PM
bountiful-durability$100.00$100.0010/25/2010 3:37:45 PM
point-kitten6$50.00$50.0010/25/2010 3:45:34 PM
radforj22$25.00$25.0010/25/2010 6:29:11 PM
the-money-position$50.00$50.0010/26/2010 5:03:58 PM
fairness-coup8$25.00$25.0010/26/2010 6:27:52 PM
TrustPlus$30.37$30.3710/27/2010 2:35:21 AM
subtle-revenue0$25.00$25.0010/27/2010 5:16:25 AM
kind-efficient-credit$25.89$25.8910/27/2010 4:38:42 AM
iamricher$25.00$25.0010/27/2010 9:54:19 AM
Usurious$25.00$25.0010/27/2010 9:55:58 AM
indomitable-coin$50.00$50.0010/27/2010 8:41:00 AM
LoisLoan$25.00$25.0010/27/2010 8:46:43 AM
cutter21$25.00$25.0010/27/2010 2:13:35 PM
a-finance-nirvana$25.00$25.0010/27/2010 4:27:17 PM
JustMee$25.00$25.0010/27/2010 4:34:50 PM
larrybird$123.80$123.8010/27/2010 4:21:15 PM
agiovasil$25.00$25.0010/27/2010 4:32:32 PM
cbfresh$25.00$25.0010/27/2010 5:53:49 PM
valiant-liberty4$25.00$25.0010/27/2010 8:10:46 PM
loyalty-sherpa$50.00$50.0010/28/2010 9:40:16 AM
lagnisiruk$25.00$25.0010/28/2010 1:59:23 AM
spy0$25.00$25.0010/28/2010 7:53:16 AM
narblark$50.00$50.0010/28/2010 11:52:22 AM
economy-orchid$25.00$25.0010/28/2010 2:39:22 PM
ti22ring$25.00$25.0010/28/2010 3:00:41 PM
sarisai$50.00$50.0010/28/2010 9:59:10 PM
blissful-responsibility4$25.00$25.0010/28/2010 3:45:35 PM
best-deal-banker$25.00$25.0010/28/2010 3:47:14 PM
wampum-amplifier$25.00$25.0010/28/2010 7:02:08 PM
Cheburashka$25.00$25.0010/29/2010 2:04:57 AM
friendly-market5$39.64$39.6410/28/2010 5:28:47 PM
the-bill-gatherer$50.00$50.0010/29/2010 7:42:03 AM
benefit-piano5$25.00$25.0010/29/2010 7:58:56 AM
peripatetic$25.00$25.0010/29/2010 3:36:05 AM
bxdoc$54.29$54.2910/29/2010 1:58:04 AM
nosualcneas$25.00$25.0010/29/2010 7:42:17 AM
intuitive-camaraderi9$25.00$25.0010/29/2010 9:51:26 AM
reflective-rupee$33.00$33.0010/29/2010 9:37:09 AM
note-farm4$25.00$25.0010/29/2010 9:47:05 AM
Aimvest$25.00$25.0010/29/2010 9:52:45 AM
orlowf$50.00$50.0010/29/2010 10:00:10 AM
peace-maximizer8$25.00$25.0010/29/2010 12:20:08 PM
friendinmoney$25.00$25.0010/29/2010 2:42:37 PM
KiwiElf$27.32$27.3210/29/2010 3:06:37 PM
chlebie$25.00$25.0010/29/2010 6:28:14 PM
StoneBreaker$75.00$75.0010/29/2010 6:55:34 PM
Quid-Pro-Quo$25.25$25.2510/29/2010 5:33:18 PM
cybernosha$25.00$25.0010/29/2010 5:39:57 PM
suave-dime6$25.00$25.0010/29/2010 5:56:37 PM
kjb1971$25.00$25.0010/29/2010 11:51:29 PM
mistertao$25.00$25.0010/29/2010 8:03:03 PM
Phantom99$25.00$25.0010/30/2010 4:07:29 AM
Interloper$25.00$25.0010/30/2010 1:47:16 AM
LandE2BG$25.00$25.0010/30/2010 2:13:02 AM
blissful-note7$25.00$25.0010/30/2010 5:10:31 AM
Hogpilot$25.00$25.0010/30/2010 5:42:53 AM
KileNSmyth4$37.45$37.4510/30/2010 11:08:00 AM
bentheretoo$50.00$50.0010/30/2010 5:33:34 AM
rockhound84$25.00$25.0010/30/2010 8:25:35 AM
simplelender80$100.00$100.0010/30/2010 7:47:15 AM
x-bones$25.00$25.0010/30/2010 1:13:02 PM
SoCalRancher$25.00$25.0010/30/2010 1:44:16 PM
laufer32304$50.00$50.0010/30/2010 10:06:11 AM
Rivervale_Westwood$25.00$25.0010/30/2010 2:59:32 PM
wealth-cheetah7$100.00$100.0010/30/2010 11:13:21 AM
euro-flower$50.00$50.0010/31/2010 12:23:34 AM
rjleves$50.00$50.0010/30/2010 2:23:20 PM
generous-deal6$50.00$50.0010/30/2010 5:25:06 PM
flopcat$25.00$25.0010/30/2010 2:08:24 PM
WorldlyWorker$25.00$25.0010/30/2010 6:24:05 PM
dinero-speaker$25.00$25.0010/31/2010 12:08:04 PM
mathomas3$50.00$50.0010/31/2010 2:35:56 PM
CERTIFIED$100.00$100.0010/31/2010 9:13:23 AM
listing-meridian$36.67$36.6710/31/2010 2:36:37 PM
loss-of-control$50.00$50.0010/31/2010 3:11:56 PM
labate$25.00$25.0010/31/2010 11:59:05 AM
life-is-great$50.00$50.0010/31/2010 12:00:08 PM
54CHEVY$50.00$50.0010/31/2010 2:35:39 PM
nalaari$25.00$25.0010/31/2010 2:35:53 PM
the-upbeat-p2p$28.40$28.4010/31/2010 2:37:21 PM
velvetsmog$25.00$25.0010/31/2010 5:39:09 PM
loss-of-control$50.00$50.0010/31/2010 3:11:32 PM
flexible-return297$50.00$50.0010/31/2010 4:43:53 PM
tech310$50.00$50.0010/31/2010 9:43:07 PM
alterlatina$25.00$25.0010/31/2010 10:27:53 PM
goodfaithAK$25.00$25.0011/1/2010 12:49:38 AM
orderly-leverage$42.19$42.1911/1/2010 6:58:31 AM
orange-dollar-guild$25.00$25.0011/1/2010 6:58:40 AM
dpdn57$25.00$25.0011/1/2010 6:48:21 AM
wtrboy$50.00$50.0011/1/2010 10:15:36 AM
Ranger_Investments$25.00$25.0011/1/2010 6:58:22 AM
chrisb1414$25.00$25.0011/1/2010 8:01:02 AM
Rick21$25.00$25.0011/1/2010 10:48:50 AM
Flreap$25.00$25.0011/1/2010 7:18:37 AM
oskizzle$25.00$25.0011/1/2010 11:11:54 AM
friendinmoney$25.00$25.0011/1/2010 8:56:42 AM
yertle9$25.00$25.0011/1/2010 11:58:56 AM
ericgassercom$29.11$29.1111/1/2010 9:57:48 AM
wndrtigres$35.00$35.0011/1/2010 10:44:55 AM
nycfinance$25.00$25.0011/1/2010 11:41:03 AM
anton$5,500.00$5,254.4711/1/2010 1:20:46 PM
1stBankAndHal$25.00$25.0011/1/2010 1:38:07 PM
joudsa$50.00$50.0011/1/2010 1:49:06 PM
engaging-worth$25.00$25.0011/1/2010 2:37:05 PM
ogmanny$50.00$50.0010/25/2010 3:23:37 PM
jazzlender$50.00$50.0010/25/2010 3:26:10 PM
reward-tsunami7$50.00$50.0010/25/2010 3:28:32 PM
Banker7371$25.00$25.0010/25/2010 3:40:24 PM
rescue$100.00$100.0010/25/2010 3:34:50 PM
BxRealtor$25.00$25.0010/25/2010 3:37:32 PM
integrity-doctor$100.00$100.0010/25/2010 3:38:30 PM
GCInvestments$25.00$25.0010/25/2010 3:45:57 PM
alpinaut$25.00$25.0010/25/2010 4:09:46 PM
AK49-JW$50.00$50.0010/25/2010 4:20:55 PM
studious-bonus7$100.00$100.0010/25/2010 4:34:23 PM
tenacious-compassion9$25.00$25.0010/25/2010 4:56:58 PM
rmblue$50.00$50.0010/25/2010 7:24:45 PM
Fiimg$50.00$50.0010/26/2010 4:57:32 AM
museic1$25.00$25.0010/26/2010 7:53:29 AM
the-profit-oracle$25.00$25.0010/26/2010 2:11:21 PM
graceful-investment$48.10$48.1010/26/2010 2:19:50 PM
mla$25.00$25.0010/26/2010 2:50:26 PM
tntmojave$25.00$25.0010/26/2010 3:21:59 PM
zeelender$25.00$25.0010/26/2010 3:02:16 PM
shmb6508$50.00$50.0010/26/2010 6:38:42 PM
deal-vibrato$39.71$39.7110/26/2010 9:11:00 PM
jdwillcox$100.00$100.0010/26/2010 9:11:24 PM
enthralling-deal180$50.00$50.0010/27/2010 4:37:13 AM
galvatron$50.00$50.0010/27/2010 9:57:11 AM
julijask$35.00$35.0010/27/2010 12:52:50 PM
gracej$25.00$25.0010/27/2010 1:58:55 PM
ladderskibum$25.00$25.0010/27/2010 3:14:32 PM
nickel-hickory$25.00$25.0010/27/2010 3:56:19 PM
fund-jedi3$50.00$50.0010/27/2010 4:59:33 PM
japerk$25.00$25.0010/27/2010 6:12:27 PM
FadSaolAgat$50.00$50.0010/27/2010 6:37:49 PM
nickel-ferret$50.00$50.0010/27/2010 10:11:23 PM
efficient-treasure0$25.00$25.0010/27/2010 8:00:09 PM
brazilofmux$100.00$100.0010/27/2010 7:04:35 PM
contract-boomerang$25.00$25.0010/27/2010 7:20:53 PM
JTHarris$25.00$25.0010/28/2010 9:02:42 AM
ClearCut$50.00$50.0010/28/2010 10:42:13 AM
affluence-promise$31.76$31.7610/28/2010 10:53:10 AM
doncm$50.00$50.0010/28/2010 12:27:16 PM
taylor883$50.00$50.0010/28/2010 2:40:21 PM
important-ore$31.84$31.8410/28/2010 3:07:02 PM
RJTintheBK$30.00$30.0010/28/2010 3:35:36 PM
successful-agreement7$100.00$100.0010/28/2010 3:44:09 PM
Mark0135$46.13$46.1310/29/2010 7:52:32 AM
reflective-rupee$33.00$33.0010/29/2010 9:36:38 AM
credible-balance0$25.00$25.0010/29/2010 9:41:54 AM
velocity-solo$25.00$25.0010/29/2010 9:42:38 AM
gjh37$50.00$50.0010/29/2010 6:52:08 AM
peerlender$25.00$25.0010/29/2010 2:37:35 AM
flexible-funds3$50.00$50.0010/29/2010 4:25:57 AM
Artist_Blue$25.00$25.0010/29/2010 9:32:47 AM
reflective-rupee$33.00$33.0010/29/2010 9:37:32 AM
tidy-dime$25.00$25.0010/29/2010 9:41:12 AM
money-bauble$25.00$25.0010/29/2010 12:31:18 PM
acropiloterau2002$25.00$25.0010/29/2010 12:45:56 PM
rjrventure$75.00$75.0010/29/2010 9:48:01 AM
Tradesmanlender$35.00$35.0010/29/2010 9:52:55 AM
TeamAmerica$25.00$25.0010/29/2010 1:58:07 PM
CAGE-Investments$25.00$25.0010/29/2010 2:16:33 PM
turbobrat$50.00$50.0010/29/2010 10:07:45 AM
oodkim84oo$29.63$29.6310/29/2010 10:23:03 AM
jakesworld$50.00$50.0010/29/2010 10:39:09 AM
brother_tam$50.00$50.0010/29/2010 12:31:27 PM
diversification-balancer870$25.00$25.0010/29/2010 1:43:06 PM
Hambone1111$25.00$25.0010/29/2010 2:40:34 PM
SelectTrustLending$25.00$25.0010/29/2010 5:57:25 PM
NorthPointLending$100.00$100.0010/29/2010 9:17:14 PM
enthusiastic-ore5$40.00$40.0010/29/2010 4:59:27 PM
euro-flower$50.00$50.0010/30/2010 1:47:52 AM
Madmigel$40.00$40.0010/29/2010 6:12:20 PM
Lend2006$30.00$30.0010/29/2010 3:53:24 PM
blissful-cash3$100.00$100.0010/29/2010 4:35:47 PM
kind-value-pouch$200.00$200.0010/29/2010 8:04:09 PM
silver-armada$50.00$50.0010/29/2010 5:56:40 PM
utopia14$25.00$25.0010/30/2010 6:54:24 AM
ptjg$50.00$50.0010/30/2010 3:12:50 AM
Kame$25.00$25.0010/29/2010 10:58:04 PM
roadster199$25.00$25.0010/30/2010 2:00:30 AM
silver-armada$100.00$100.0010/30/2010 9:12:01 AM
riproaringrapids$25.00$25.0010/30/2010 6:48:07 AM
MM1207$25.00$25.0010/30/2010 8:10:46 AM
jamiee73$25.00$25.0010/30/2010 2:23:15 PM
EvalCrux$42.80$42.8010/30/2010 11:05:37 AM
payout-alien6$50.00$50.0010/30/2010 7:03:00 PM
snappy$25.00$25.0010/30/2010 11:36:58 PM
Cronos$50.00$50.0010/31/2010 12:50:44 AM
PugDog$25.00$25.0010/30/2010 2:23:12 PM
inspiring-reward$75.00$75.0010/30/2010 7:23:18 PM
poetic-diversification$250.00$250.0010/31/2010 11:29:33 AM
hrubinst$50.00$50.0010/30/2010 6:24:02 PM
bambampk$25.00$25.0010/31/2010 12:06:38 PM
irrelevant$25.00$25.0010/31/2010 6:58:21 AM
trustworthy-finance6$200.00$200.0010/31/2010 7:33:57 AM
awe-inspiring-power$25.00$25.0010/31/2010 4:29:19 PM
bold-shrewd-duty$34.67$34.6710/31/2010 4:41:59 PM
investment-tempo$37.30$37.3010/31/2010 12:08:16 PM
Passionate_Nurse$25.00$25.0010/31/2010 9:44:26 AM
caNative$50.00$50.0010/31/2010 10:20:11 AM
atope$50.00$50.0010/31/2010 2:35:32 PM
rupee-prairie$25.00$25.0010/31/2010 2:36:40 PM
omerta6102$50.00$50.0010/31/2010 2:51:35 PM
Ivan2007$29.85$29.8510/31/2010 2:51:55 PM
loss-of-control$50.00$50.0010/31/2010 3:11:07 PM
1traveler$35.00$35.0010/31/2010 5:02:46 PM
plentiful-reward$50.00$50.0011/1/2010 6:57:25 AM
PCGeekWI$25.00$25.0011/1/2010 7:03:39 AM
kenji4861$25.00$25.0010/31/2010 7:37:58 PM
thatguyoverseas$50.00$50.0010/31/2010 9:38:49 PM
Benjamin_Orban$30.00$30.0011/1/2010 10:33:36 AM
FallonCredit$39.36$39.3611/1/2010 7:51:54 AM
stoopidnoodle$25.00$25.0011/1/2010 8:27:12 AM
loan-master996$50.00$50.0011/1/2010 8:33:11 AM
Interstate_Rate$50.00$50.0011/1/2010 7:28:49 AM
dokiya777$50.00$50.0011/1/2010 11:38:21 AM
rapid-basis2$25.00$25.0011/1/2010 9:34:43 AM
DasMula$25.00$25.0011/1/2010 10:03:17 AM
gold-disk$50.00$50.0011/1/2010 12:58:09 PM
Ready2Loan$25.00$25.0011/1/2010 10:48:17 AM
HalfDayz$25.00$25.0011/1/2010 11:11:53 AM
haryassman$25.00$25.0011/1/2010 2:50:43 PM
Astyanax$100.00$100.0011/1/2010 11:43:39 AM
235 bids
 
Borrower Payment Dependent Notes Series 481340
This series of Notes was issued and sold upon the funding of the borrower loan #45219, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,400.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Oct-25-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.46% Starting monthly payment: $63.33
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.46% Final monthly payment: $63.33
 
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: Jun-2007 Debt/Income ratio: 38%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 2 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,790Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: auction-waterfall 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
Credit Card Pay Off
Purpose of loan:
This loan will be used to paying off my credit card bill

My financial situation is stable
I am a good candidate for this loan because I pay all my bills as quickly as possible and will never miss a payment.

Monthly net income: $534.08

Monthly expenses:
??Housing: $0
??Insurance: $ 50
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, internet: $75
??Food, entertainment: $50
??Clothing, household expenses $0
??Credit cards and other loans: $ varies
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
valiant-liberty4$25.00$25.0010/25/2010 3:31:37 PM
CreditBuilder2$50.00$50.0010/25/2010 4:09:04 PM
agiovasil$25.00$25.0010/25/2010 4:14:46 PM
rmblue$50.00$50.0010/25/2010 7:51:20 PM
Moneypenny6$25.00$25.0010/26/2010 6:52:03 AM
emance$50.00$50.0010/27/2010 10:21:38 PM
inspiring-reward$100.00$57.7610/28/2010 10:39:18 AM
reflective-rupee$33.00$33.0010/28/2010 1:21:12 PM
innovator2$25.00$25.0010/28/2010 5:03:42 PM
penny-plato$25.00$25.0010/29/2010 11:07:43 AM
kgeezy$25.00$25.0010/30/2010 4:03:58 PM
loanman2007$50.00$50.0011/1/2010 5:16:48 AM
finance-solo$25.00$25.0010/31/2010 5:59:47 PM
Iloanyoumoney$25.00$25.0011/1/2010 7:20:35 AM
Tahoeman$25.00$25.0011/1/2010 9:56:14 AM
ultimate-peace$150.00$150.0011/1/2010 1:29:21 PM
Sudoku$100.00$100.0011/1/2010 11:12:03 AM
favorite-commerce$50.00$50.0011/1/2010 1:10:40 PM
B2152$25.00$25.0011/1/2010 1:21:53 PM
icon7$25.00$25.0011/1/2010 2:52:08 PM
Mocaba$100.00$100.0011/1/2010 2:52:22 PM
helping-out$25.00$25.0010/26/2010 1:17:04 AM
commanding-income774$25.00$25.0010/28/2010 4:53:23 PM
SolarMoonshine$25.00$25.0010/29/2010 3:51:03 AM
master648$34.24$34.2410/30/2010 6:29:06 AM
Requiem$25.00$25.0010/30/2010 8:27:52 AM
bright-exchange$25.00$25.0010/30/2010 9:00:49 AM
loan-tycoon0$25.00$25.0010/31/2010 11:33:51 AM
vine99$50.00$50.0010/31/2010 9:32:25 PM
Bob450$25.00$25.0010/31/2010 10:51:19 PM
pyungpyung$25.00$25.0011/1/2010 11:00:13 AM
capital-kingdom$50.00$50.0011/1/2010 12:24:48 PM
shrewd-income$50.00$50.0011/1/2010 1:17:54 PM
Lubava$25.00$25.0011/1/2010 2:07:11 PM
prominence8$25.00$25.0011/1/2010 2:53:35 PM
35 bids
 
Borrower Payment Dependent Notes Series 481390
This series of Notes was issued and sold upon the funding of the borrower loan #45215, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,750.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-25-2010 
  Auction end date:  Oct-28-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $79.16
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $79.16
 
Auction yield range: 13.71% - 34.00% Estimated loss impact: 15.77%  
Lender servicing fee: 1.00% Estimated return: 18.23%  
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: May-1990 Debt/Income ratio: 29%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,112Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: sunny-exchange4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
NEED SOME DOUGH!!
Hi Im on prosper trying to get a loan to use for my credit card debt consolidation.Im a full time worker 40+ hour weekly.Ive been in my trade for 14 years Im a foreman for an electrical company I specialize in communication systems for new construction such as fire alarms,card access ,data /voice,security cameras etc.My monthly income is 4800.$
Im an active member of the community Im an martial arts insructor and currently hold the rank of third degree blackbelt. When im not working or having family time with my 5 year old son and wife Im at the school working on my fourth degree black belt, i have a company issued van and gas card.
my monthly bills:
rent 1150
truck 140
insurance 58
food 250
credit cards (help!!) 650
etc 200

Thanks for checking Me out and THANKS for bidding!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: what are the interest rates of your credit cards? - beakerfish
A: Good question Beakerfish ! american express 14% with large minimum chase visa 19% large minimum chase mastercard still reasonable I wanted to respond promptly I can give you exact numbers tommorow when I return home. The bookkeeping dutys are my new territory my wife could tell you in about 1 second if she makes it out of the hospital. (Oct-25-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
valiant-liberty4$25.00$25.0010/25/2010 3:31:46 PM
handshake5$100.00$100.0010/25/2010 3:27:53 PM
balance-handshake7$25.00$25.0010/25/2010 4:14:40 PM
bid-czar8$25.00$25.0010/25/2010 4:34:10 PM
Interstate_Rate$50.00$50.0010/25/2010 4:57:22 PM
noble-revenue$50.00$50.0010/25/2010 6:30:25 PM
courteous-kindness1$50.00$50.0010/25/2010 6:43:26 PM
forthright-dedication$50.00$50.0010/25/2010 6:31:15 PM
justsk8tingby$28.28$28.2810/26/2010 1:35:45 PM
roadster199$25.00$25.0010/26/2010 3:46:41 PM
inspiring-reward$100.00$100.0010/26/2010 5:16:32 PM
felicity-festival$30.00$30.0010/26/2010 6:16:01 PM
bankbuddy55$50.00$50.0010/26/2010 7:02:27 PM
ritchie70$25.00$25.0010/27/2010 3:55:46 PM
money-bauble$50.00$50.0010/28/2010 2:31:47 PM
simplelender80$200.00$200.0010/28/2010 3:05:10 PM
periko$55.42$55.4210/28/2010 7:11:31 PM
radiant-loan5$200.00$200.0010/25/2010 3:28:18 PM
nybanker85$25.00$25.0010/25/2010 4:10:51 PM
agiovasil$25.00$25.0010/25/2010 4:14:50 PM
moola-wildebeest3$25.00$25.0010/25/2010 4:18:34 PM
successful-agreement7$100.00$100.0010/25/2010 4:35:52 PM
JustMee$25.00$22.5410/25/2010 6:01:46 PM
plentiful-gain3$50.00$50.0010/25/2010 6:24:25 PM
RebuildALife$25.00$25.0010/25/2010 7:46:44 PM
cablenews$25.00$25.0010/25/2010 6:33:09 PM
helping-out$25.00$25.0010/26/2010 8:11:53 AM
desertoasis$25.00$25.0010/26/2010 10:27:19 AM
washboard1$50.00$50.0010/26/2010 10:56:21 AM
suave-dime6$25.00$25.0010/26/2010 6:03:55 PM
natural-greenback6$25.00$25.0010/26/2010 6:06:22 PM
sparky03$33.76$33.7610/27/2010 7:31:55 PM
unger$50.00$50.0010/28/2010 12:29:22 PM
Artist_Blue$25.00$25.0010/28/2010 12:36:59 PM
NoCal$30.00$30.0010/28/2010 2:37:30 PM
EngineersAlliance$25.00$25.0010/28/2010 5:07:21 PM
36 bids
 
Borrower Payment Dependent Notes Series 481404
This series of Notes was issued and sold upon the funding of the borrower loan #45206, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-26-2010 
  Auction end date:  Nov-02-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $73.97
Final lender yield: 23.00% Final borrower rate/APR: 24.00% / 27.48% Final monthly payment: $70.62
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.36%  
Lender servicing fee: 1.00% Estimated return: 11.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2001 Debt/Income ratio: 14%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 18 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,247Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: exciting-treasure 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
paying off credit card
Purpose of loan:
This loan will be used to?
pay off high interest credit card
My financial situation:
I am a good candidate for this loan because?
of a good job Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 310
??Insurance: $ 80
??Car expenses: $341
??Utilities: $ 80
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transaction-circuit$50.00$50.0010/26/2010 2:59:06 PM
marwadi-62$200.00$200.0010/27/2010 12:58:43 PM
DJReflections$25.00$25.0010/29/2010 8:34:29 AM
EngineersAlliance$75.00$75.0010/29/2010 3:22:04 PM
worthy-bid4$25.00$25.0011/1/2010 4:04:44 PM
mercuriant$25.00$25.0011/1/2010 6:36:42 PM
doopers$25.00$25.0011/1/2010 7:48:47 PM
Southern_Illinois_Girl$26.40$26.4011/1/2010 8:22:47 PM
ethicalhumanist$50.00$50.0011/2/2010 7:40:59 AM
Leshan$25.00$25.0011/2/2010 7:47:13 AM
Bidwinner08$27.71$27.7111/2/2010 8:17:46 AM
gain-dolphin$25.00$25.0011/2/2010 9:49:48 AM
trade-elm$28.00$28.0011/2/2010 9:54:18 AM
market-pudding$25.00$25.0011/2/2010 11:37:11 AM
the-upbeat-p2p$100.00$100.0011/2/2010 1:05:27 PM
honey-money$25.00$25.0011/2/2010 12:30:19 PM
thebadpelican$25.00$25.0011/2/2010 1:52:27 PM
Astyanax$75.00$75.0011/2/2010 12:36:33 PM
grampy48$25.00$25.0011/2/2010 1:58:24 PM
Leopoldine$25.11$25.1111/2/2010 1:02:39 PM
ultimate-peace$150.00$150.0011/2/2010 2:26:54 PM
friendinmoney$25.00$25.0011/2/2010 2:27:43 PM
friendinmoney$25.00$25.0011/2/2010 2:38:00 PM
SolarMoonshine$25.00$25.0010/27/2010 4:06:00 AM
chaachie12$37.10$37.1010/28/2010 4:54:06 PM
realtormoises$25.00$25.0010/31/2010 1:13:56 PM
leverage-monger$25.00$25.0010/31/2010 9:34:55 AM
dRatedOnly$25.00$25.0011/1/2010 3:26:55 AM
paradisenow$25.00$25.0011/1/2010 4:26:00 PM
Snoopylover$25.00$25.0011/2/2010 1:11:17 AM
BrLender$25.00$25.0011/2/2010 1:57:54 AM
wlm3012$25.00$25.0011/2/2010 10:07:34 AM
BlueProteus$25.00$25.0011/2/2010 11:02:09 AM
lsx7$236.00$236.0011/2/2010 10:48:34 AM
social-zebra$32.00$32.0011/2/2010 10:02:32 AM
420limo$25.00$25.0011/2/2010 12:30:50 PM
drb4ever$25.00$25.0011/2/2010 11:34:53 AM
dime-futurist$25.00$25.0011/2/2010 12:11:28 PM
roberto76$56.50$12.6811/2/2010 11:23:28 AM
CaliforniaSun$25.00$25.0011/2/2010 1:08:39 PM
moola-monger9$50.00$50.0011/2/2010 2:09:51 PM
41 bids
 
Borrower Payment Dependent Notes Series 481630
This series of Notes was issued and sold upon the funding of the borrower loan #45200, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-26-2010 
  Auction end date:  Nov-02-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 33.56% Starting monthly payment: $41.09
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 32.01% Final monthly payment: $40.29
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.42%  
Lender servicing fee: 1.00% Estimated return: 13.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1994 Debt/Income ratio: 22%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 16Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,537 
Delinquencies in last 7y: 14 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: competent-capital7 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying dental bill
Purpose of loan:
This loan will be used to? pay dental bill

My financial situation:
I am a good candidate for this loan because? i have consistant income each month

Monthly net income: $ 1,485.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Do you not have any expenses? - minnesotafinancial
A: To whom it may concern- Yes my other expenses are approx. 15.00/mo for electric. I use approx. 80.00 for groceries. My water sewer garbage are paid and since I am retired from Spokane Transit I get a free bus pass. (Nov-02-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transaction-circuit$50.00$50.0010/26/2010 2:59:19 PM
reflective-rupee$33.00$33.0010/26/2010 4:35:51 PM
Reliance_Banker$25.00$25.0010/26/2010 6:37:15 PM
IceFishingCash$25.00$25.0010/26/2010 7:39:46 PM
SolarMoonshine$25.00$25.0010/28/2010 5:14:21 PM
pureliquidhw$25.00$25.0011/1/2010 4:13:24 PM
admirable-loyalty$25.00$25.0011/1/2010 6:25:00 PM
testguy$25.00$25.0011/1/2010 7:07:53 PM
duty-monger$50.00$50.0011/2/2010 3:52:03 AM
leverage-monger$25.00$25.0011/2/2010 10:08:14 AM
Bidwinner08$25.00$25.0011/2/2010 9:46:05 AM
listing-hercules$25.00$25.0011/2/2010 12:14:15 PM
AM2171$25.00$25.0011/2/2010 12:53:56 PM
BrLender$25.00$25.0011/2/2010 1:19:27 PM
1SteelerFan$25.00$25.0011/2/2010 12:54:09 PM
thebadpelican$25.00$25.0011/2/2010 1:50:50 PM
ultimate-peace$90.00$90.0011/2/2010 2:30:19 PM
greenback-guard$25.00$25.0011/2/2010 1:22:12 PM
jubilant-auction5$25.00$25.0010/27/2010 11:13:36 AM
wwwUniversal$25.00$20.0010/27/2010 1:59:34 PM
marwadi-62$200.00$200.0010/27/2010 12:57:33 PM
DasMula$25.00$25.0010/27/2010 4:49:42 PM
dudebrah$25.00$25.0010/31/2010 11:16:16 PM
Leshan$25.00$25.0011/2/2010 7:54:55 AM
social-zebra$32.00$32.0011/2/2010 10:05:54 AM
entertaining-greenback2$25.00$25.0011/2/2010 2:22:44 PM
friendinmoney$25.00$25.0011/2/2010 2:33:43 PM
kinetic-social$25.00$25.0011/2/2010 2:40:15 PM
28 bids
 
Borrower Payment Dependent Notes Series 481688
This series of Notes was issued and sold upon the funding of the borrower loan #45216, 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-27-2010 
  Auction end date:  Nov-03-2010 
 
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: Aug-1991 Debt/Income ratio: 61%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:12y 7m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,483Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: payment-chooser31 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
equipment and stock for season
Purpose of loan:
This loan will be used to?
purchase a few pieces of equipment
My financial situation:
I am a good candidate for this loan because?
My business is building even in a slow economy
Monthly net income: $?
???? 6500
y expenses: $
??Housing: $ 1300
??Insurance: $ 300
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 110
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 400
??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: Please describe your business. - orange-impartial-asset
A: Restuarant (Breakfast and Lunch) (Oct-28-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radiant-loan5$200.00$200.0010/27/2010 3:06:07 PM
top-courteous-peso$50.00$50.0010/27/2010 3:01:15 PM
handshake5$100.00$100.0010/27/2010 3:11:32 PM
JustMee$25.00$25.0010/27/2010 4:49:13 PM
inspiring-reward$30.00$30.0010/27/2010 9:12:46 PM
Artist_Blue$25.00$25.0010/28/2010 12:35:59 PM
simplelender80$200.00$200.0010/28/2010 3:05:44 PM
loyalist1$50.00$50.0010/29/2010 9:24:04 AM
velocity-solo$25.00$25.0010/29/2010 9:44:46 AM
natural-greenback6$25.00$25.0010/29/2010 2:37:25 PM
graceful-investment$100.00$100.0010/30/2010 11:30:55 AM
tech310$25.00$25.0010/31/2010 9:44:27 PM
platinum-celebration4$25.00$25.0011/1/2010 9:39:41 AM
GElender$50.00$50.0011/1/2010 12:08:48 PM
larrybird$150.00$150.0011/1/2010 11:42:25 AM
musegaze$100.00$100.0011/1/2010 4:26:43 PM
kulender$100.00$100.0011/1/2010 4:20:50 PM
Magog12$25.00$25.0011/1/2010 4:49:23 PM
shmb6508$50.00$50.0011/1/2010 4:27:35 PM
108lender$100.00$100.0011/1/2010 4:45:42 PM
IIP77$25.00$25.0011/2/2010 3:10:11 AM
flwah$25.00$25.0011/2/2010 7:48:44 AM
point$50.00$50.0011/2/2010 6:20:01 AM
PatRichi$25.00$25.0011/2/2010 9:14:49 AM
credit-sycamore4$50.00$50.0011/2/2010 3:02:01 PM
brother_tam$50.00$50.0011/2/2010 3:30:55 PM
calinno2$50.00$50.0011/2/2010 3:21:57 PM
gotjack$25.00$25.0011/2/2010 3:13:51 PM
shrewd-peace7$25.00$25.0011/2/2010 3:20:34 PM
Wellman$50.00$50.0011/2/2010 3:39:16 PM
psa1995$25.00$25.0011/2/2010 3:29:50 PM
all_of_that_one$45.00$45.0011/2/2010 3:30:10 PM
jigsaw$50.00$50.0011/2/2010 3:29:58 PM
momoney2lend$25.00$25.0011/2/2010 3:38:16 PM
payment-gusto$25.00$25.0011/2/2010 5:10:14 PM
best-coin-miser$25.00$25.0011/2/2010 4:30:56 PM
Maetryx$50.00$50.0011/2/2010 7:11:55 PM
imoutdoorsy$25.00$25.0011/2/2010 8:43:14 PM
puifais$25.00$25.0011/2/2010 9:22:15 PM
oath163$25.00$25.0011/2/2010 6:23:21 PM
runner262$25.00$25.0011/3/2010 1:02:22 AM
m3498$25.00$25.0011/3/2010 1:13:15 AM
nodrivelpls$25.00$25.0011/3/2010 1:29:57 AM
affluence-tycoon$25.00$25.0011/3/2010 1:59:22 AM
b-rent$25.00$25.0011/2/2010 10:16:41 PM
new-social-economist$46.41$46.4111/3/2010 2:11:18 AM
Hutpit$26.10$26.1011/3/2010 1:15:08 AM
best-unbeatable-transaction$25.00$25.0011/2/2010 10:58:26 PM
maschinenbau$25.00$25.0011/3/2010 6:03:45 AM
ArmyGuy$25.00$25.0011/3/2010 12:57:10 AM
KiwiElf$30.00$30.0011/3/2010 12:57:49 AM
zorg77$25.00$25.0011/3/2010 1:02:27 AM
octoberfresh$25.00$25.0011/3/2010 6:35:00 AM
NoMoreDebt4Me$25.00$25.0011/3/2010 1:22:23 AM
payout-mongoose$25.34$25.3411/3/2010 1:43:27 AM
famous-bill$25.00$25.0011/3/2010 7:16:44 AM
bid-papyrus$25.00$25.0011/3/2010 1:50:53 AM
rvfbroker$25.00$25.0011/3/2010 7:24:52 AM
srgriff$25.00$25.0011/3/2010 7:05:15 AM
shrewd-truth1$25.00$25.0011/3/2010 8:58:03 AM
minddoc$25.00$25.0011/3/2010 6:08:18 AM
djindepth$49.05$49.0511/3/2010 7:05:13 AM
bnlforever$25.00$25.0011/3/2010 9:41:38 AM
gallant-economy9$400.00$400.0011/3/2010 9:14:07 AM
intuitive-bill$25.00$25.0011/3/2010 8:58:09 AM
reflective-rupee$44.00$44.0011/3/2010 9:58:42 AM
MissionMicroFinance$25.00$25.0011/3/2010 9:10:51 AM
profit-powerplant$50.00$50.0011/3/2010 9:43:55 AM
mla$25.00$25.0011/3/2010 10:25:08 AM
money-yeller$25.00$25.0011/3/2010 10:25:27 AM
dedicated-transaction796$50.00$50.0011/3/2010 9:40:08 AM
kain11286$50.00$50.0011/3/2010 9:52:29 AM
wampum-chorus3$50.00$50.0011/3/2010 9:52:31 AM
lending_well$50.00$50.0011/3/2010 10:18:35 AM
reflective-rupee$44.00$44.0011/3/2010 9:59:01 AM
zeelender$25.00$25.0011/3/2010 10:24:59 AM
saxaphone6$25.00$25.0011/3/2010 10:53:08 AM
richboy56$25.00$25.0011/3/2010 10:25:31 AM
YurshotCapital$51.00$51.0011/3/2010 1:40:33 PM
loss-of-control$50.00$50.0011/3/2010 1:49:39 PM
dime-historian$25.00$25.0011/3/2010 1:50:10 PM
bayshipping$48.95$48.9511/3/2010 12:59:10 PM
leverage-monger$25.00$25.0011/3/2010 12:07:01 PM
Wawenock$25.00$25.0011/3/2010 1:07:56 PM
noble-revenue$66.06$66.0611/3/2010 2:08:14 PM
reflective-rupee$44.00$44.0011/3/2010 1:45:02 PM
loss-of-control$50.00$50.0011/3/2010 1:49:01 PM
honey-money$25.00$25.0011/3/2010 2:50:08 PM
bid-czar8$25.00$25.0010/27/2010 3:11:48 PM
valiant-liberty4$25.00$25.0010/27/2010 3:09:41 PM
suave-dime6$25.00$25.0010/27/2010 3:12:16 PM
successful-agreement7$100.00$100.0010/28/2010 2:37:31 PM
nickel-hickory$50.00$50.0011/1/2010 12:06:28 AM
sagan$25.00$25.0010/31/2010 7:29:41 PM
worthy-bid4$100.00$100.0011/1/2010 9:28:44 AM
asiaratt$50.00$50.0011/1/2010 10:06:51 AM
NoCal$30.00$30.0011/1/2010 12:57:24 PM
teller$41.79$41.7911/1/2010 4:25:43 PM
skuba$25.00$25.0011/1/2010 4:25:52 PM
paradisenow$25.00$25.0011/1/2010 5:04:11 PM
money-bauble$25.00$25.0011/1/2010 6:35:35 PM
tearingstar$35.00$35.0011/1/2010 8:44:01 PM
economy-producer$25.00$25.0011/2/2010 9:13:47 AM
mindful-cash6$25.00$25.0011/2/2010 9:34:50 AM
smear87$25.00$25.0011/2/2010 9:42:57 AM
Comoparklender$50.00$50.0011/2/2010 12:14:25 PM
TakeCare$60.00$60.0011/2/2010 12:56:00 PM
greenback-guard$25.00$25.0011/2/2010 1:22:18 PM
missing-link$100.00$100.0011/2/2010 2:17:10 PM
resplendent-dollar$25.00$25.0011/2/2010 2:34:06 PM
Aristocrat$25.00$25.0011/2/2010 3:17:48 PM
orange-dollar-guild$25.00$25.0011/2/2010 3:18:06 PM
credible-balance0$25.00$25.0011/2/2010 3:19:43 PM
logical-loyalty0$25.00$25.0011/2/2010 2:59:57 PM
generous-deal6$25.00$25.0011/2/2010 2:58:56 PM
Investoman$25.00$25.0011/2/2010 3:32:50 PM
logical-investment4$25.00$25.0011/2/2010 3:25:16 PM
treasure-bliss$50.00$50.0011/2/2010 3:28:41 PM
red-power-pecan$50.00$50.0011/2/2010 3:29:00 PM
cropdust3r$25.00$25.0011/2/2010 3:29:23 PM
HedgeFund$50.00$50.0011/2/2010 3:29:54 PM
anton$242.84$242.8411/2/2010 3:30:16 PM
crenen139$25.00$25.0011/2/2010 3:30:22 PM
orange-preeminant-bill$50.00$50.0011/2/2010 3:28:15 PM
MadHun$100.00$100.0011/2/2010 3:30:05 PM
escharfer$25.00$25.0011/2/2010 3:31:01 PM
FeedTheMachine$50.00$50.0011/2/2010 3:38:01 PM
worthy-bid8$25.00$25.0011/2/2010 3:38:56 PM
helping-out$43.81$43.8111/2/2010 3:40:30 PM
the-platinum-dragon$25.00$25.0011/2/2010 3:40:41 PM
happy-return4$39.57$39.5711/2/2010 4:00:03 PM
chinolatino$25.00$25.0011/2/2010 4:43:19 PM
thorough-exchange4$31.60$31.6011/2/2010 8:00:29 PM
Bob450$25.00$25.0011/2/2010 9:59:43 PM
red-unequivocal-finance$25.00$25.0011/2/2010 8:00:31 PM
RandB_CPAs$31.67$31.6711/2/2010 8:13:07 PM
MrMcduck$25.00$25.0011/3/2010 1:15:02 AM
reward-adventure$30.00$30.0011/2/2010 10:28:50 PM
delicious-cash$25.00$25.0011/2/2010 9:38:28 PM
SLN-10$32.50$32.5011/2/2010 10:16:43 PM
Learning2Lend$29.53$29.5311/3/2010 12:56:12 AM
Supp0rter$27.12$27.1211/3/2010 12:57:06 AM
lendme2$38.12$38.1211/3/2010 12:57:43 AM
stoopidnoodle$25.00$25.0011/3/2010 1:00:51 AM
stock106$25.00$25.0011/3/2010 1:21:12 AM
pj000218$50.00$50.0011/3/2010 7:05:14 AM
altoviolinist$25.00$25.0011/3/2010 1:48:38 AM
active-market$27.44$27.4411/3/2010 1:51:04 AM
JAVEHE$46.60$46.6011/3/2010 7:58:20 AM
DSFinancial$45.07$45.0711/3/2010 2:12:05 AM
life-is-great$39.26$39.2611/3/2010 3:51:22 AM
social-conductor4$25.00$25.0011/3/2010 5:36:11 AM
seattleite36$25.00$25.0011/3/2010 8:08:07 AM
neutrino6$25.00$25.0011/3/2010 7:16:42 AM
Leshan$25.00$25.0011/3/2010 8:30:36 AM
Miklot$75.00$75.0011/3/2010 8:48:11 AM
numitor$50.00$50.0011/3/2010 8:23:08 AM
gentle-social0$25.00$25.0011/3/2010 9:52:27 AM
agiovasil$25.00$25.0011/3/2010 8:48:09 AM
reflective-rupee$44.00$44.0011/3/2010 9:58:21 AM
ticketman2$25.00$25.0011/3/2010 10:23:55 AM
retirementlady$25.00$25.0011/3/2010 9:52:23 AM
a275ranger$30.00$30.0011/3/2010 10:24:49 AM
networks4ever$25.00$25.0011/3/2010 10:25:29 AM
point-kitten6$48.29$48.2911/3/2010 10:40:36 AM
Fahrquar$25.00$25.0011/3/2010 10:33:07 AM
ore-dojo$25.00$25.0011/3/2010 10:39:27 AM
assetmanager$25.00$25.0011/3/2010 12:23:41 PM
wwwUniversal$25.00$25.0011/3/2010 12:07:12 PM
colorado23$25.00$25.0011/3/2010 1:20:27 PM
reflective-rupee$44.00$44.0011/3/2010 1:45:20 PM
loss-of-control$50.00$50.0011/3/2010 1:48:39 PM
CC911$25.00$25.0011/3/2010 1:56:47 PM
anton$200.00$161.8811/3/2010 2:29:13 PM
174 bids
 
Borrower Payment Dependent Notes Series 481690
This series of Notes was issued and sold upon the funding of the borrower loan #45224, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-27-2010 
  Auction end date:  Nov-03-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $102.73
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $102.73
 
Auction yield range: 10.71% - 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: Jan-1998 Debt/Income ratio: 12%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 7 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,582Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: careful-bid0 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Looking for Loan
Purpose of loan:
This loan will be used to? repair two cars.

My financial situation:
I am a good candidate for this loan because? I actually do own a house and 39 deeded acres.? I always pay my debts.

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $?270
??Insurance: $ 110
??Car expenses: $ 0
??Utilities: $?100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: If I believe your income and expense amounts, you have over $1,300 of positive cash lfow. Why do you need to borrow $2,500? Just save for two months and you will have it. - CPAecs
A: Yeah that is very true. I have had a very positive cash flow for a few months now. I am trying to build a house by myself funded with my cash. I know that does not make lots of sense since I will pay interest on this loan but there is no early pay off penalty and I need the money I have currently to finish some things on it before winter comes. (Nov-02-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
valiant-liberty4$25.00$25.0010/27/2010 3:09:43 PM
suave-dime6$25.00$25.0010/27/2010 3:12:20 PM
radiant-loan5$200.00$200.0010/27/2010 3:06:09 PM
inspiring-reward$25.00$25.0010/28/2010 3:20:36 AM
successful-agreement7$100.00$100.0010/28/2010 10:37:57 AM
velocity-solo$25.00$25.0010/29/2010 9:44:52 AM
tech310$25.00$25.0010/31/2010 9:44:27 PM
circustab$50.00$50.0011/1/2010 7:12:14 PM
nilonc1$25.00$25.0011/1/2010 8:08:39 PM
silver-cloud$25.00$25.0011/2/2010 3:18:42 AM
dime-futurist$25.00$25.0011/2/2010 4:49:21 AM
honey-money$25.00$25.0011/2/2010 10:39:21 AM
bold-attentive-listing$25.00$25.0011/2/2010 12:54:53 PM
JDLN$50.00$50.0011/2/2010 3:17:05 PM
dinero-launcher$25.00$25.0011/2/2010 3:56:09 PM
paradisenow$25.00$25.0011/2/2010 8:58:19 PM
mckhbnpc$30.00$30.0011/2/2010 8:27:00 PM
Leshan$25.00$25.0011/3/2010 8:25:16 AM
profit-powerplant$50.00$50.0011/3/2010 9:43:56 AM
exciting-fairness$200.00$200.0011/3/2010 11:58:00 AM
Astyanax$75.00$75.0011/3/2010 12:00:17 PM
toomanyfishtanks$26.84$26.8411/3/2010 12:12:05 PM
leverage-monger$25.00$25.0011/3/2010 12:00:05 PM
moola-monger9$50.00$50.0011/3/2010 2:10:09 PM
HomerdohNY$25.00$25.0011/3/2010 2:53:14 PM
just-trade0$36.00$36.0011/3/2010 2:53:18 PM
bid-czar8$25.00$25.0010/27/2010 3:11:50 PM
transaction-circuit$50.00$50.0010/27/2010 3:08:41 PM
handshake5$100.00$100.0010/27/2010 4:30:44 PM
Artist_Blue$25.00$25.0010/28/2010 12:35:56 PM
simplelender80$200.00$200.0010/28/2010 3:05:46 PM
natural-greenback6$25.00$25.0010/29/2010 3:11:50 PM
graceful-investment$100.00$100.0010/30/2010 11:30:56 AM
loyalist1$50.00$50.0010/31/2010 2:10:00 PM
nickel-hickory$50.00$20.8711/1/2010 12:06:29 AM
bold-attentive-listing$25.00$25.0011/1/2010 12:58:07 PM
ttnk62918$25.00$25.0011/1/2010 4:42:59 PM
vine99$40.00$40.0011/1/2010 8:45:34 PM
umfan123$25.00$25.0011/2/2010 6:04:11 AM
dRatedOnly$25.00$25.0011/2/2010 10:26:11 AM
dudebrah$25.00$25.0011/2/2010 10:57:09 AM
Bcs-cnc$27.25$27.2511/2/2010 12:22:06 PM
greenback-guard$25.00$25.0011/2/2010 1:22:18 PM
loan-fate$43.41$43.4111/2/2010 1:19:15 PM
mercuriant$25.00$25.0011/2/2010 9:15:11 PM
Bob450$25.00$25.0011/2/2010 10:00:59 PM
aztocas$25.00$25.0011/2/2010 10:14:53 PM
2grindstones$25.00$25.0011/2/2010 10:23:45 PM
social-zebra$35.00$35.0011/3/2010 7:21:40 AM
Silverling6$25.00$25.0011/3/2010 7:57:37 AM
daekpon$25.00$25.0011/3/2010 9:01:39 AM
capital-kingdom$50.00$50.0011/3/2010 8:33:00 AM
bold-attentive-listing$25.00$25.0011/3/2010 9:03:26 AM
Grandmahoneybee$25.00$25.0011/3/2010 10:14:47 AM
ALFLoan$25.00$25.0011/3/2010 9:42:18 AM
alluring-yield5$25.00$25.0011/3/2010 11:02:40 AM
attractive-fund$65.63$65.6311/3/2010 1:21:50 PM
57 bids
 
Borrower Payment Dependent Notes Series 481908
This series of Notes was issued and sold upon the funding of the borrower loan #45214, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Oct-28-2010 
  Auction end date:  Nov-04-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
Final lender yield: 33.50% Final borrower rate/APR: 34.50% / 38.21% Final monthly payment: $224.77
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 25.98%  
Lender servicing fee: 1.00% Estimated return: 7.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1995 Debt/Income ratio: 35%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,295Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: jscarpati 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 3% )  
700-719 (Sep-2010)
680-699 (Sep-2007)
700-719 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
GREAT BORROWER - home improvements
We need to make a major capital improvement in our home. I have great credit, a great credit score and have a good track record here on Prosper (just paid off a Prosper loan). I called Prosper today to ask why I have an HR rating with them. They said that while my credit and credit score are very good, I have high DTI, and this is why. That's reasonable, but my DTI will be changing in two weeks as we are closing on our mortgage refinance at a very low interest rate, leaving us a lot more left over each month to pay down our bills. We make every payment on time, all the time, but now we can triple them up to close off balances.

However, and this is the reason I'm here, we need a new roof before the winter and the best roofer in town does not do financing. We REALLY cannot wait a month to get the work started. We can pay this loan off with no problem, even with the high interest rate. You can be confident in your investment with me. I'm a responsible homeowner, a good husband, and have a good job (even in this economy). Any questions? Just let me know.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.0010/28/2010 3:29:57 PM
Skeptical-one$31.00$31.0010/28/2010 3:29:41 PM
NekHoldings$25.00$25.0010/29/2010 5:45:28 AM
visionary-deal3$100.00$100.0011/3/2010 8:23:46 AM
MStax$41.20$41.2011/3/2010 9:08:35 AM
autumn_leaves$25.00$25.0011/3/2010 8:26:50 PM
fabulous-community4$25.00$25.0011/4/2010 1:49:22 AM
lucrative-loan$33.78$33.7811/4/2010 1:49:46 AM
red-favorable-basis$25.00$25.0011/4/2010 7:13:12 AM
head$25.00$25.0011/4/2010 6:40:11 AM
supreme-hope$25.00$25.0011/4/2010 7:17:47 AM
DasMula$83.92$83.9211/4/2010 8:47:05 AM
mikeandcat$100.00$100.0011/4/2010 9:05:08 AM
houli123$3,400.00$3,400.0011/4/2010 3:00:48 PM
Amber_Stone$25.00$25.0010/28/2010 4:24:57 PM
Legally_Blonde$25.00$25.0010/30/2010 7:33:40 AM
myutmost$50.00$50.0010/30/2010 5:49:39 AM
myutmost$25.00$25.0010/30/2010 5:53:27 AM
glroark$50.00$50.0010/30/2010 1:00:55 PM
Barrayaran$25.00$25.0010/30/2010 11:30:54 PM
seadrg$25.00$25.0011/1/2010 3:37:55 PM
good4loan$25.00$25.0011/2/2010 1:46:09 PM
red-favorable-basis$25.00$25.0011/3/2010 9:23:08 AM
YoungTaxMan$100.00$100.0011/3/2010 4:36:24 PM
brother_tam$400.00$400.0011/3/2010 9:17:59 PM
autumn_leaves$25.00$25.0011/3/2010 8:26:23 PM
Mark-M$25.00$25.0011/4/2010 1:35:58 PM
YoungTaxMan$218.92$60.1011/4/2010 12:03:26 PM
wyobeads$25.00$25.0011/4/2010 12:36:43 PM
YoungTaxMan$125.00$125.0011/4/2010 3:01:53 PM
30 bids
 
Borrower Payment Dependent Notes Series 482132
This series of Notes was issued and sold upon the funding of the borrower loan #45227, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,200.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Nov-01-2010 
  Auction end date:  Nov-07-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $68.94
Final lender yield: 6.70% Final borrower rate/APR: 7.70% / 8.04% Final monthly payment: $68.64
 
Auction yield range: 2.71% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.15%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-2000 Debt/Income ratio: 9%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,267Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: bicyclebicycle Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high-interest credit cards
Purpose of loan:
This loan will be used to pay off my two credit cards. The credit card with the higher debt ($1,700) and higher interest rate (14.99%) has been tough to even look at. Because of the economy, I have been living at home with my parents. By paying off these credit cards and having only three loan payments a month (this loan and two student loans totaling less than $8,500 with 6.5% interest), I will be able to save enough money in just a few months to move out.

My financial situation:
I am a good candidate for this loan because I'm honest and frugal, and I have a full-time job and a part-time job on weekends. I most often pay for expenses with cash/debit card. I stick to my budget and track all my expenses with mint.com.

Net income a month: $1,500

Monthly expenses: $760
??Housing: $0
??Insurance: $110
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $100
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $150
??Other expenses: $100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
interstellar$50.00$50.0011/1/2010 3:36:21 PM
platinum-hunter7$40.00$40.0011/1/2010 3:23:46 PM
pshans$50.00$50.0011/1/2010 4:34:32 PM
natedog666$200.00$200.0011/2/2010 6:57:29 AM
outofoffice$50.00$50.0011/2/2010 10:06:45 AM
dgagli1$34.40$34.4011/2/2010 11:21:10 AM
Planecourage$30.00$30.0011/2/2010 9:12:59 PM
investment-artist$25.00$25.0011/3/2010 9:54:38 AM
bfn311$25.00$25.0011/3/2010 5:10:51 PM
loanshark62$30.00$30.0011/3/2010 7:21:57 PM
vutah$25.00$25.0011/3/2010 8:45:30 PM
ultimate-commitment$25.00$25.0011/3/2010 9:20:31 PM
shellstar$50.00$8.7811/4/2010 12:48:51 PM
FLFF$50.00$50.0011/4/2010 1:14:03 PM
KSPHoldings$25.00$25.0011/4/2010 3:14:57 PM
justice-collector$25.00$25.0011/4/2010 4:44:18 PM
Cliffie83$25.00$25.0011/4/2010 4:19:17 PM
theloanteacher$25.00$25.0011/4/2010 6:35:30 PM
top-tranquil-justice$25.00$25.0011/5/2010 10:21:11 AM
quiggles$25.00$25.0011/5/2010 2:18:04 PM
squarebob$25.00$25.0011/5/2010 6:39:38 PM
gjm6d$25.00$25.0011/5/2010 7:06:38 PM
penny-finder$40.00$40.0011/5/2010 11:25:23 PM
doopers$25.00$25.0011/6/2010 6:22:49 AM
productive-finance$30.00$30.0011/6/2010 11:23:01 AM
Earnest_Money$25.00$25.0011/6/2010 3:18:36 PM
marwadi-62$100.00$100.0011/6/2010 6:39:15 PM
HealthAndSafety$100.00$100.0011/7/2010 8:06:22 AM
Bodyboard$30.00$30.0011/6/2010 9:53:38 PM
heerzaquestion$26.00$26.0011/7/2010 11:33:57 AM
JohnSmith10$30.00$30.0011/7/2010 3:47:00 PM
penny-plato$50.00$50.0011/7/2010 2:16:36 PM
worth-excellence4$25.00$25.0011/7/2010 9:11:28 PM
blot44$25.00$25.0011/1/2010 3:09:55 PM
velocity-solo$25.00$25.0011/1/2010 3:42:39 PM
Sarspatula$25.00$25.0011/1/2010 4:09:40 PM
EasternLender$25.00$25.0011/1/2010 6:17:17 PM
TomDalonajay$25.00$25.0011/2/2010 12:56:35 AM
RandyL3$25.00$25.0011/2/2010 1:38:05 AM
happyjackbak$50.00$50.0011/2/2010 8:48:13 AM
hookUup$50.00$50.0011/2/2010 1:50:20 PM
-Me$50.00$50.0011/3/2010 1:27:41 AM
sparkling-income$25.00$25.0011/4/2010 12:01:16 AM
FundMaker$25.00$25.0011/4/2010 12:04:57 PM
tolerant-dinero2$25.00$25.0011/4/2010 3:12:21 PM
rockytop$50.00$50.0011/4/2010 7:04:49 PM
dollarboy$25.00$25.0011/4/2010 10:54:05 PM
wam37$25.00$25.0011/5/2010 5:12:40 AM
TigerForce$25.00$25.0011/5/2010 4:51:11 AM
bonus-sensai825$25.00$25.0011/5/2010 6:23:32 AM
improvman$25.00$25.0011/5/2010 1:26:05 PM
Jwalker11$49.09$49.0911/5/2010 2:33:07 PM
JaceSpade$25.00$25.0011/5/2010 3:24:51 PM
mmullen2$50.00$50.0011/5/2010 4:25:48 PM
PBanker$25.00$25.0011/6/2010 7:56:25 AM
JerryB96$25.00$25.0011/6/2010 12:38:56 PM
mozzarella$25.00$25.0011/6/2010 9:12:37 PM
ryan6853$25.00$25.0011/7/2010 7:20:46 AM
hilsoon$25.00$25.0011/7/2010 11:44:03 AM
arenangelchild$26.73$26.7311/7/2010 2:28:58 PM
pine643$25.00$25.0011/7/2010 4:50:42 PM
lion445$25.00$25.0011/7/2010 4:56:11 PM
62 bids
 
Borrower Payment Dependent Notes Series 482324
This series of Notes was issued and sold upon the funding of the borrower loan #45211, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-01-2010 
  Auction end date:  Nov-08-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.88% Starting monthly payment: $72.38
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 28.65% Final monthly payment: $63.62
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 19.68%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1995 Debt/Income ratio: 16%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $927Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: flute_mom Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2008)
 
Principal balance: $518.82 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Funding a Band Trip for my Son
Purpose of loan:
This loan will be used to pay for a Marching Band Trip for my Son to Chicago in March 2011.? His high school band will be marching in the St. Patrick's Day Parade in Chicago.? They won the Grand Championship award a marching contest this year.? They will also have the opportunity to visit several locations in Chicago - it will be an educational trip as well.? This loan will pay his way and my way as a chaperone for the trip.

My financial situation:
I am a good candidate for this loan because I will be able to pay off the loan as requested.? My house is paid for and I am working full time.? I own my home.? I have not borrowed against the home since I paid it off in 2008.

Monthly net income: $ 2,822

Monthly expenses: $ 2,300 -this is approximate
??Housing: $ home is paid for
??Insurance: $ 341
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 325
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi! This looks like a wonderful loan to fund. You have done a terrific job paying back your previous Prosper loan. And it looks like a great opportunity for your son. Good luck. I hope we can bring the interest rate down. - farblest
A: Thank you for your encouragement. As a recent widow, it is hard to find the funding for the extra things. If I had known earlier in the year about the trip, I could have saved up for it. (Nov-02-2010)
Q: Loved being in marching band. Great Experience. - Rashanir
A: My son is third generation marching band. He sister marched also. I was in band for 9 years - even marched in college. My mom marched for the same school back in the late 50's and marched in college also. My son has 3 cousins in the band with him too. It is a family event for us every time we go to a game or a band competition. (Nov-05-2010)
Q: You say you own your home but the home ownership field says no. Will you explain the discrepancy? - tr-doc
A: I paid off my house when my husband died with the life insurance. My credit report shows that the mortgage was paid in full. I have a deed to the property with my name on it. I tried to figure out how to show ownership on my Prosper account, but did not have any luck. (Nov-07-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
farblest$85.54$22.5511/1/2010 9:17:57 PM
Chesterite$25.00$25.0011/2/2010 1:56:06 PM
maccpro1$50.00$50.0011/3/2010 4:03:39 PM
Red-Bull-One$25.00$25.0011/4/2010 6:06:03 AM
dstolars$25.00$25.0011/4/2010 8:11:47 AM
realtormoises$25.00$25.0011/5/2010 6:03:41 AM
invest-in-ed$100.00$100.0011/5/2010 7:35:08 PM
investment-artist$25.00$25.0011/6/2010 8:48:53 AM
GS-ROCK$25.00$25.0011/6/2010 12:49:11 PM
loss-of-control$25.00$25.0011/6/2010 5:40:51 PM
beans53$25.00$25.0011/6/2010 8:55:17 PM
penny-plato$25.00$25.0011/6/2010 7:35:07 PM
atlas100$25.00$25.0011/6/2010 3:15:58 PM
lender12345$25.00$25.0011/6/2010 3:42:00 PM
marwadi-62$300.00$300.0011/6/2010 6:39:52 PM
SolarMoonshine$25.00$25.0011/7/2010 12:05:37 PM
rockhound84$25.00$25.0011/7/2010 1:42:41 PM
credit-missile$25.00$25.0011/7/2010 10:12:15 PM
credit-missile$25.00$25.0011/7/2010 9:52:39 PM
dudebrah$30.00$30.0011/7/2010 7:04:31 PM
credit-missile$25.00$25.0011/7/2010 9:52:15 PM
Moe87$25.00$25.0011/8/2010 3:54:23 AM
loanman2007$100.00$100.0011/2/2010 5:06:08 AM
Frankk2$35.00$35.0011/3/2010 7:34:47 AM
red-favorable-basis$25.00$25.0011/3/2010 9:26:41 AM
vine99$40.00$40.0011/3/2010 8:30:36 PM
WZ3190$25.01$25.0111/5/2010 1:51:50 PM
Tlrdlrrnch$25.00$25.0011/6/2010 5:23:28 AM
principal-laser$100.00$100.0011/6/2010 6:46:24 AM
Bob450$25.00$25.0011/6/2010 7:18:11 PM
KaChingInvestments$25.00$25.0011/7/2010 10:09:28 AM
Catz_aplenty$27.44$27.4411/7/2010 12:05:57 PM
RecoveryLender$25.00$25.0011/7/2010 5:36:46 PM
mikeandcat$100.00$100.0011/8/2010 5:35:08 AM
wilchik$30.00$30.0011/8/2010 5:04:42 AM
Land_on_your_feet$25.00$25.0011/7/2010 7:34:20 PM
credit-missile$25.00$25.0011/7/2010 9:53:01 PM
hookUup$40.00$40.0011/8/2010 1:29:41 AM
38 bids
 
Borrower Payment Dependent Notes Series 482618
This series of Notes was issued and sold upon the funding of the borrower loan #45209, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-02-2010 
  Auction end date:  Nov-05-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $112.17
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $112.17
 
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-1997 Debt/Income ratio: 13%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,358Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: happydad29 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards need new tires
Note:? I won all bids on a previous listing but the Prosper System automatically deleted my listing because I had issues between my street address and my mailing address...I have fixed the issue with Prosper customer support and they told me to re-list or reapply.? So that is what I'm doing.? Any lenders that have any questions please feel free to contact me.

Purpose of loan:
Pay off 2 credit cards, and I need new tires on my wife's car

My financial situation:
I had some financial issues over 8 years ago but have been good ever since.

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 875
??Insurance: $ 115
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 825
??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: what are the interest rates of these cards? - beakerfish
A: Both cards are at 29.99. Thanks, happydad29 (Nov-02-2010)
Q: What kind of job do you do? - dime-futurist
A: I actually work 2 jobs. First job for Utah Department of Corrections, and second a youth counselor at a private group home called Oxbow Academy. http://oxbowacademy.net/ - happydad29 (Nov-03-2010)
Q: Thank you for answering my q! : ) - dime-futurist
A: no problem...thank you:) (Nov-03-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
missing-link$100.00$100.0011/2/2010 3:31:54 PM
terminus$26.10$26.1011/2/2010 3:32:37 PM
noble-revenue$50.00$50.0011/2/2010 3:26:28 PM
inspiring-reward$100.00$100.0011/2/2010 3:22:39 PM
helping-out$25.00$25.0011/2/2010 3:27:08 PM
washboard1$50.00$50.0011/2/2010 3:33:08 PM
special-currency6$25.00$25.0011/2/2010 3:31:09 PM
forthright-dedication$50.00$50.0011/2/2010 3:33:57 PM
transaction-circuit$50.00$50.0011/2/2010 3:51:36 PM
velocity-solo$25.00$25.0011/2/2010 3:53:39 PM
platinum-celebration4$25.00$25.0011/2/2010 3:56:26 PM
debt-system880$25.00$25.0011/2/2010 4:33:17 PM
dime-reaction$50.00$50.0011/2/2010 4:40:35 PM
SolarMoonshine$25.00$25.0011/2/2010 5:31:49 PM
atothez$42.15$42.1511/2/2010 5:43:12 PM
SkepticalBen$50.00$50.0011/2/2010 9:29:57 PM
dime-futurist$25.00$25.0011/3/2010 3:07:12 AM
scoobiedoo$50.00$50.0011/3/2010 9:51:23 AM
justonejake$25.00$25.0011/3/2010 1:38:08 PM
greenback-guard$25.00$25.0011/3/2010 4:05:17 PM
honey-money$25.00$25.0011/3/2010 4:08:41 PM
checzwick$25.00$25.0011/4/2010 8:46:44 AM
DHolly$30.00$30.0011/4/2010 7:06:39 PM
investment-happiness$100.00$100.0011/4/2010 10:08:51 PM
Stek7$25.00$25.0011/5/2010 9:29:37 AM
Bob450$25.00$25.0011/5/2010 12:06:30 PM
balance-handshake7$25.00$25.0011/2/2010 3:37:25 PM
successful-agreement7$100.00$100.0011/2/2010 3:28:18 PM
zone6$66.51$66.5111/2/2010 3:30:26 PM
magnolia161$25.00$25.0011/2/2010 3:32:34 PM
tech310$25.00$25.0011/2/2010 3:35:01 PM
simplelender80$200.00$200.0011/2/2010 3:52:51 PM
radiant-loan5$200.00$200.0011/2/2010 3:50:46 PM
valiant-liberty4$25.00$25.0011/2/2010 3:57:08 PM
Artist_Blue$25.00$25.0011/2/2010 3:55:28 PM
pembull$50.00$50.0011/2/2010 3:57:32 PM
bid-czar8$50.00$50.0011/2/2010 3:59:04 PM
happy-return4$50.00$50.0011/2/2010 4:00:05 PM
LittlePiggyBank$25.00$25.0011/2/2010 4:33:18 PM
NYLG$25.00$25.0011/2/2010 7:37:13 PM
hgar1$44.33$44.3311/2/2010 8:00:19 PM
keeminn$50.00$50.0011/2/2010 4:43:09 PM
platinum-cargo$50.00$50.0011/2/2010 4:50:21 PM
larryboy10$25.00$25.0011/2/2010 7:45:49 PM
reinforced-revenue069$25.00$25.0011/2/2010 8:00:17 PM
janus_god$25.00$25.0011/2/2010 9:33:18 PM
tshurts$25.00$21.9111/2/2010 9:33:19 PM
WinterUSMC$25.00$25.0011/2/2010 9:48:19 PM
RecoveryLender$25.00$25.0011/3/2010 7:30:14 AM
reflective-rupee$44.00$44.0011/3/2010 1:47:57 PM
BradP$50.00$50.0011/3/2010 5:39:57 PM
bold-direct-asset$50.00$50.0011/4/2010 3:10:56 PM
precious-coin3$25.00$25.0011/4/2010 3:33:28 PM
systematic-loan$25.00$25.0011/5/2010 8:49:15 AM
Nailman88$25.00$25.0011/5/2010 7:53:57 AM
ansky127$25.00$25.0011/5/2010 11:44:59 AM
56 bids
 
Borrower Payment Dependent Notes Series 482734
This series of Notes was issued and sold upon the funding of the borrower loan #45222, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Nov-03-2010 
  Auction end date:  Nov-04-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $188.02
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $188.02
 
Auction yield range: 2.71% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-2002 Debt/Income ratio: 4%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,589Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: ore-walnut5 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Plans Abound
Purpose of Loan:This loan will help pay for engagement/wedding expenses in the next calendar year. I?ve been with my future wife for 4 years, and this loan will go a long way towards making our modest wedding plans a reality.Loan Qualifications:
I am an excellent candidate for this loan for several reasons. First, I?ve been employed at one of the most financially secure insurance companies in the world for over two years now (New York Life Insurance Company), making both my employment status and income safe and reliable. Secondly, my credit score via Equifax was recently recorded as 766, a high score that reflects my ability to pay off college loans and consistently meet monthly debts (my debt-to-income ratio is only 4%)?Lastly, I currently live with two other roommates, which allows us to split our housing payments, living expenses and utilities in thirds. This living situation offers a solid and steady cushion of disposable income each month.

Thank you for your consideration!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kyomoon$50.00$50.0011/3/2010 2:32:52 PM
chinolatino$50.00$50.0011/3/2010 2:33:00 PM
best-ingenious-funds$25.00$25.0011/3/2010 2:33:47 PM
JJ9876$50.00$50.0011/3/2010 2:35:42 PM
mjunlimited$50.00$50.0011/3/2010 2:35:53 PM
skuba$50.00$50.0011/3/2010 2:36:11 PM
bold-yield-rumbler$25.00$25.0011/3/2010 2:36:21 PM
lively-hope28$50.00$50.0011/3/2010 2:36:30 PM
capital-web7$50.00$50.0011/3/2010 2:36:49 PM
life-is-great$50.00$50.0011/3/2010 2:31:27 PM
ArashMass$30.00$30.0011/3/2010 2:32:32 PM
radforj22$50.00$50.0011/3/2010 2:32:25 PM
bigballer105$100.00$100.0011/3/2010 2:32:29 PM
uncleubb$25.00$25.0011/3/2010 2:33:49 PM
Weaverville$50.00$50.0011/3/2010 2:32:40 PM
Natronpee$25.00$25.0011/3/2010 2:33:59 PM
generous-deal6$50.00$50.0011/3/2010 2:40:17 PM
rjw_mpwr$25.00$25.0011/3/2010 2:40:27 PM
mpactlender$25.00$25.0011/3/2010 2:34:38 PM
riproaringrapids$25.00$25.0011/3/2010 2:32:51 PM
tech310$50.00$50.0011/3/2010 2:40:35 PM
point-shooter$50.00$50.0011/3/2010 2:34:51 PM
Artist_Blue$25.00$25.0011/3/2010 2:40:47 PM
psa1995$50.00$50.0011/3/2010 2:35:44 PM
ichibon$150.00$150.0011/3/2010 2:34:32 PM
larrybird$150.00$150.0011/3/2010 2:35:54 PM
kenji4861$25.00$25.0011/3/2010 2:35:57 PM
socal-lender$25.00$25.0011/3/2010 2:36:37 PM
orbital-return316$25.00$25.0011/3/2010 2:36:54 PM
exact-gold2$25.00$25.0011/3/2010 2:35:41 PM
velocity-solo$25.00$25.0011/3/2010 2:42:13 PM
FlexFunding$100.00$100.0011/3/2010 2:35:55 PM
figs4u2$100.00$100.0011/3/2010 2:36:06 PM
intuitive-bill$25.00$25.0011/3/2010 2:36:12 PM
6moonbeams$200.00$200.0011/3/2010 2:36:16 PM
Rick21$50.00$50.0011/3/2010 2:36:23 PM
Havana21$100.00$100.0011/3/2010 2:36:45 PM
narblark$100.00$100.0011/3/2010 2:38:57 PM
cubesteak$25.00$25.0011/3/2010 2:43:33 PM
greenback-guard$25.00$25.0011/3/2010 2:43:46 PM
economy-orchid$25.00$25.0011/3/2010 2:39:31 PM
damage$25.00$25.0011/3/2010 2:38:51 PM
platinum-hunter7$50.00$50.0011/3/2010 2:51:42 PM
a-responsible-return$50.00$50.0011/3/2010 2:40:25 PM
antlr$50.00$50.0011/3/2010 2:40:37 PM
platinum-sorcerer6$25.00$25.0011/3/2010 2:39:26 PM
income-banjo$25.00$25.0011/3/2010 2:39:51 PM
MM1207$25.00$25.0011/3/2010 2:40:06 PM
orange-dollar-guild$25.00$25.0011/3/2010 2:40:38 PM
tearingstar$50.00$50.0011/3/2010 2:42:57 PM
TrustOne$25.00$25.0011/3/2010 2:43:41 PM
Curly-Girly$25.00$25.0011/3/2010 2:43:47 PM
rlrcstr$25.00$25.0011/3/2010 2:42:36 PM
USMC0311$25.00$25.0011/3/2010 2:43:32 PM
Anny-Disco$25.00$25.0011/3/2010 2:44:02 PM
dospapalotes$36.26$36.2611/3/2010 2:53:14 PM
KWarrior$25.00$25.0011/3/2010 2:53:29 PM
kvandivo$25.00$25.0011/3/2010 3:32:27 PM
Preteur$25.00$25.0011/3/2010 3:34:37 PM
flopcat$25.00$25.0011/3/2010 3:39:37 PM
13nd3r$25.00$25.0011/3/2010 3:39:55 PM
best-deal-banker$28.34$16.9911/3/2010 3:41:09 PM
interstellar$50.00$50.0011/4/2010 12:59:23 AM
junes08$30.16$30.1611/4/2010 1:49:31 AM
RandyL3$25.00$25.0011/4/2010 1:29:39 AM
beachbum22$25.00$25.0011/3/2010 2:33:42 PM
Avala$100.00$100.0011/3/2010 2:33:57 PM
Westerly$50.00$50.0011/3/2010 2:34:08 PM
mattpet$25.00$25.0011/3/2010 2:34:48 PM
resplendent-dollar$50.00$50.0011/3/2010 2:35:14 PM
selector568$400.00$400.0011/3/2010 2:35:26 PM
ADenny$25.00$25.0011/3/2010 2:35:39 PM
AmericanCredit$25.00$25.0011/3/2010 2:36:00 PM
LiveNow$25.00$25.0011/3/2010 2:36:09 PM
bouvierchamp$50.00$50.0011/3/2010 2:29:09 PM
bndlending2u$50.00$50.0011/3/2010 2:36:17 PM
valueguru$50.00$50.0011/3/2010 2:36:28 PM
subtle-revenue0$25.00$25.0011/3/2010 2:36:52 PM
stinvest$50.00$50.0011/3/2010 2:29:11 PM
alpinaut$30.00$30.0011/3/2010 2:31:24 PM
rekitten$100.00$100.0011/3/2010 2:39:47 PM
degster$25.00$25.0011/3/2010 2:33:50 PM
inforapenny$50.00$50.0011/3/2010 2:32:42 PM
hopeful-point$50.00$50.0011/3/2010 2:40:16 PM
godfather4u$50.00$50.0011/3/2010 2:40:19 PM
thoughtful-community7$25.00$25.0011/3/2010 2:34:49 PM
Castellan$50.00$50.0011/3/2010 2:33:55 PM
red-unequivocal-finance$25.00$25.0011/3/2010 2:35:40 PM
inspired-investment8$100.00$100.0011/3/2010 2:34:41 PM
blot44$25.00$25.0011/3/2010 2:35:49 PM
ThomasC$25.00$25.0011/3/2010 2:35:56 PM
zone6$50.00$50.0011/3/2010 2:34:50 PM
delicious-social132$50.00$50.0011/3/2010 2:36:01 PM
Jassi$25.00$25.0011/3/2010 2:36:43 PM
DukSerduk$25.00$25.0011/3/2010 2:35:45 PM
organized-payment6$50.00$50.0011/3/2010 2:35:52 PM
GElender$50.00$50.0011/3/2010 2:35:59 PM
indomitable-coin$50.00$50.0011/3/2010 2:36:07 PM
anti-wall-st$100.00$100.0011/3/2010 2:36:13 PM
Quaven$25.00$25.0011/3/2010 2:36:19 PM
OldFriend$25.00$25.0011/3/2010 2:42:59 PM
important-ore$44.91$44.9111/3/2010 2:36:25 PM
meux99$100.00$100.0011/3/2010 2:36:47 PM
best-coin-miser$25.00$25.0011/3/2010 2:43:11 PM
cloud8$75.00$75.0011/3/2010 2:43:40 PM
dma1206$25.00$25.0011/3/2010 2:39:18 PM
Sixmil$75.00$75.0011/3/2010 2:44:00 PM
afotherg$75.00$75.0011/3/2010 2:38:49 PM
careful-note$60.00$60.0011/3/2010 2:40:21 PM
jazzlender$46.44$46.4411/3/2010 2:53:00 PM
kirkjerk$25.00$25.0011/3/2010 2:39:22 PM
flwah$25.00$25.0011/3/2010 3:00:27 PM
meenan$25.00$25.0011/3/2010 2:39:53 PM
rainbowsorbet$25.00$25.0011/3/2010 2:43:54 PM
bowdish1$100.00$100.0011/3/2010 2:42:46 PM
noble-revenue$25.00$25.0011/3/2010 2:53:05 PM
money-bauble$100.00$100.0011/3/2010 2:59:01 PM
Wawenock$25.00$25.0011/3/2010 2:44:05 PM
ommcd$25.00$25.0011/3/2010 2:53:13 PM
market-mover$50.00$50.0011/3/2010 3:30:59 PM
dinero-festivity2$30.24$30.2411/3/2010 3:34:00 PM
JGB$100.00$100.0011/3/2010 3:39:32 PM
tj1683$25.00$25.0011/3/2010 3:39:58 PM
123 bids