Sales Report:Supplement No. 76 dated Nov 16, 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 475402
This series of Notes was issued and sold upon the funding of the borrower loan #45323, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-09-2010 
  Auction end date:  Nov-13-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $259.62
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $259.62
 
Auction yield range: 5.57% - 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: Mar-1985 Debt/Income ratio: 9%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 26 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,704Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: historic-payout3 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolodation of credit
Purpose of loan:
This loan will be used to? consolodate credit cards and defray?attorneys costs for a personal matter

My financial situation:
I am a good candidate for this loan because? I pay my bills - ALWAYS

Monthly net income: $ 5100

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 76
??Car expenses: $ 0? (company car)
??Utilities: $?150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $?pay much over the limit - usually 1500 or so
??Other expenses: $ attorneys fees
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)
bid-czar8$50.00$50.0011/9/2010 2:40:41 PM
neutrino6$25.00$25.0011/9/2010 2:40:35 PM
the-profit-oracle$25.00$25.0011/9/2010 2:46:08 PM
yield-enlistment$25.00$25.0011/9/2010 2:46:18 PM
GElender$75.00$75.0011/9/2010 3:03:03 PM
bowdish1$50.00$50.0011/9/2010 2:42:46 PM
money-bauble$25.00$25.0011/9/2010 2:45:10 PM
icchok$50.00$50.0011/9/2010 3:09:04 PM
inspired-investment8$50.00$50.0011/9/2010 3:09:23 PM
handshake5$100.00$100.0011/9/2010 3:09:50 PM
bold-durability-drum$50.00$50.0011/9/2010 3:09:34 PM
mondial4$100.00$100.0011/9/2010 2:47:34 PM
jdwillcox$100.00$100.0011/9/2010 3:09:54 PM
organized-payment6$25.00$25.0011/9/2010 3:10:00 PM
dunox$25.00$25.0011/9/2010 2:48:53 PM
tech310$50.00$50.0011/9/2010 3:12:01 PM
kmr2$200.00$200.0011/9/2010 3:12:31 PM
rescue$100.00$100.0011/9/2010 3:12:39 PM
vigorous-velocity$100.00$100.0011/9/2010 3:12:46 PM
Sam65$25.00$25.0011/9/2010 3:12:54 PM
Bullish$25.00$25.0011/9/2010 3:13:48 PM
riproaringrapids$25.00$25.0011/9/2010 3:03:47 PM
skuba$25.00$25.0011/9/2010 3:09:45 PM
enthralling-deal180$50.00$50.0011/9/2010 3:09:58 PM
sumac5$100.00$100.0011/9/2010 3:13:40 PM
pnace$50.00$50.0011/9/2010 4:03:20 PM
kind-value-pouch$125.00$125.0011/9/2010 4:06:39 PM
billiam$50.00$50.0011/9/2010 4:28:29 PM
GeorgiaGator$50.00$50.0011/9/2010 4:55:24 PM
JustMee$25.00$25.0011/9/2010 5:40:17 PM
MM1207$25.00$25.0011/9/2010 10:16:18 PM
systematic-dollar9$25.00$25.0011/9/2010 6:26:13 PM
museic1$25.00$25.0011/10/2010 5:53:19 AM
Bank_Of_XL$50.00$50.0011/10/2010 5:13:41 AM
Cai8899$50.00$50.0011/9/2010 8:45:40 PM
credit-bliss8$25.00$25.0011/9/2010 10:53:37 PM
wtrboy$50.00$50.0011/10/2010 9:57:06 AM
dollardave$100.00$100.0011/10/2010 11:24:00 AM
moola-wildebeest3$27.38$27.3811/10/2010 11:08:19 AM
Weaverville$50.00$50.0011/10/2010 8:59:03 AM
me2yu$50.00$50.0011/10/2010 12:57:20 PM
kegs$150.00$150.0011/10/2010 2:35:21 PM
inspiring-reward$75.00$75.0011/10/2010 2:32:32 PM
superb-funds335$25.00$25.0011/10/2010 3:36:01 PM
blissful-dedication3$25.00$25.0011/10/2010 6:06:25 PM
power-secret-agent$25.00$25.0011/11/2010 1:37:32 AM
secondphase$50.00$50.0011/11/2010 9:13:09 AM
j2ee$25.00$25.0011/11/2010 8:55:37 AM
Rivervale_Westwood$25.00$25.0011/11/2010 11:35:09 AM
108lender$100.00$100.0011/11/2010 11:15:08 AM
GCInvestments$25.00$25.0011/11/2010 11:41:46 AM
triumph329$50.00$50.0011/11/2010 12:12:16 PM
upbeat-investment9$50.00$50.0011/11/2010 1:24:25 PM
generous-deal6$50.00$50.0011/11/2010 9:49:16 PM
Oakland$50.00$50.0011/12/2010 5:20:30 AM
heerzaquestion$53.00$53.0011/12/2010 5:17:03 AM
doublediamond$25.00$25.0011/12/2010 6:32:39 AM
beachfunder$25.00$25.0011/12/2010 8:22:07 AM
derfen$25.00$25.0011/12/2010 9:35:21 AM
orderly-leverage$50.00$50.0011/12/2010 9:11:55 AM
laufer32304$50.00$50.0011/12/2010 9:54:26 AM
dedicated-bid1$25.00$25.0011/12/2010 10:30:46 AM
Tradesmanlender$35.00$35.0011/12/2010 12:59:27 PM
MGCFINANCIALSERVICES$25.00$25.0011/12/2010 12:08:19 PM
reward-planetarium$25.00$25.0011/12/2010 12:41:40 PM
njlom$100.00$100.0011/12/2010 1:01:41 PM
currency-solo$25.00$25.0011/12/2010 2:19:54 PM
Cbank05$25.00$25.0011/12/2010 5:32:37 PM
moola-pillow$25.00$25.0011/12/2010 6:50:05 PM
profitable-money$25.00$25.0011/12/2010 9:19:22 PM
hopeful-asset9$25.00$25.0011/12/2010 10:08:25 PM
piston_honda$25.00$25.0011/13/2010 5:09:19 AM
Sol_Invictus$25.00$25.0011/13/2010 7:40:53 AM
andyscreenname$96.57$96.5711/13/2010 10:45:13 AM
market-worker$25.00$25.0011/13/2010 11:48:45 AM
squarebob$25.00$25.0011/13/2010 12:39:56 PM
LiveNow$25.00$25.0011/9/2010 2:40:50 PM
radforj22$25.00$25.0011/9/2010 2:43:12 PM
hitsman$100.00$100.0011/9/2010 2:42:32 PM
objective-investor$150.00$150.0011/9/2010 2:44:42 PM
velocity-solo$25.00$25.0011/9/2010 2:45:42 PM
mjunlimited$50.00$50.0011/9/2010 2:47:57 PM
investment-comet$25.00$25.0011/9/2010 3:03:58 PM
melodious-fairness$50.00$50.0011/9/2010 2:43:23 PM
BxRealtor$25.00$25.0011/9/2010 3:08:46 PM
ray1051$25.00$25.0011/9/2010 3:09:31 PM
nickel-ferret$50.00$50.0011/9/2010 3:10:08 PM
finance-mushroom$100.00$100.0011/9/2010 2:49:43 PM
williemc44$50.00$50.0011/9/2010 3:03:42 PM
selector568$300.00$300.0011/9/2010 3:24:42 PM
simplelender80$250.00$250.0011/9/2010 3:04:33 PM
reflective-rupee$44.00$44.0011/9/2010 3:30:22 PM
graceful-investment$100.00$100.0011/9/2010 3:37:58 PM
ichibon$150.00$150.0011/9/2010 3:09:12 PM
DDPrime$100.00$100.0011/9/2010 3:09:27 PM
natural-affluence4$25.00$25.0011/9/2010 3:09:40 PM
indomitable-coin$50.00$50.0011/9/2010 3:12:06 PM
finance_mba$25.00$25.0011/9/2010 3:13:42 PM
worldly-community3$50.00$50.0011/9/2010 5:50:23 PM
balanced-bill7$50.00$50.0011/10/2010 6:27:48 AM
metro457$50.00$50.0011/10/2010 7:38:25 AM
income-sage9$25.00$25.0011/10/2010 9:33:34 AM
Bobafet$25.00$25.0011/10/2010 9:33:51 AM
worth-arch$25.00$25.0011/10/2010 9:34:31 AM
melodious-fairness$50.00$50.0011/10/2010 9:43:39 AM
mla$25.00$25.0011/10/2010 6:51:19 AM
missing-link$50.00$50.0011/10/2010 2:32:59 PM
larrybird$150.00$150.0011/10/2010 2:35:15 PM
liberty-carnival$25.00$25.0011/10/2010 1:18:30 PM
helpishere777$25.00$25.0011/10/2010 3:46:08 PM
CSinvestments$25.00$25.0011/10/2010 6:23:29 PM
blue-relay$25.00$25.0011/10/2010 6:46:59 PM
subtle-affluence$100.00$100.0011/10/2010 7:51:38 PM
loyalist1$100.00$100.0011/11/2010 6:49:56 AM
blue-useful-auction$25.00$25.0011/11/2010 8:07:11 AM
FinDoc$25.00$25.0011/11/2010 11:33:10 AM
a-finance-nirvana$25.00$25.0011/11/2010 3:02:17 PM
Artist_Blue$25.00$25.0011/11/2010 3:04:41 PM
flwah$25.00$25.0011/11/2010 6:44:47 PM
teller$50.00$50.0011/11/2010 6:45:12 PM
AK49-JW$25.00$25.0011/11/2010 8:31:14 PM
first-serene-credit$25.00$25.0011/11/2010 8:12:50 PM
speedy-dime7$25.00$25.0011/12/2010 8:19:43 AM
loyalty-sherpa$50.00$50.0011/12/2010 8:29:16 AM
mike_banker$50.00$50.0011/12/2010 8:34:15 AM
Ven58$25.00$25.0011/12/2010 9:19:51 AM
vigilance-revolutionary$50.00$50.0011/12/2010 10:15:47 AM
p2p-czar3$25.00$25.0011/12/2010 11:49:08 AM
moola-pillow$25.00$25.0011/12/2010 10:48:05 AM
worthy-bid8$100.00$100.0011/12/2010 12:44:21 PM
zippy-revenue8$25.00$25.0011/12/2010 1:42:03 PM
grampy48$30.00$30.0011/12/2010 2:15:23 PM
Papa_Mema$25.00$25.0011/12/2010 3:24:23 PM
honey-money$25.00$25.0011/12/2010 5:16:10 PM
Fishy014$42.84$42.8411/12/2010 3:31:26 PM
wise-agile-investment$25.00$25.0011/12/2010 8:13:49 PM
haplender$50.00$50.0011/12/2010 7:45:53 PM
capthouls$25.00$25.0011/12/2010 10:18:44 PM
saver9$25.00$25.0011/12/2010 11:38:53 PM
kublai$50.00$50.0011/13/2010 6:54:12 AM
Nailman88$25.00$25.0011/13/2010 10:26:26 AM
jacmar$37.36$37.3611/13/2010 7:44:05 AM
payment-halo$25.00$25.0011/13/2010 9:54:48 AM
dynrep$25.00$25.0011/13/2010 10:29:38 AM
squarebob$25.00$25.0011/13/2010 12:37:45 PM
kublai$250.00$133.8511/13/2010 11:19:35 AM
squarebob$25.00$25.0011/13/2010 12:38:09 PM
protargol$25.00$25.0011/13/2010 2:14:18 PM
148 bids
 
Borrower Payment Dependent Notes Series 477688
This series of Notes was issued and sold upon the funding of the borrower loan #45363, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Nov-01-2010 
  Auction end date:  Nov-08-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $490.73
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $490.73
 
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: Dec-1984 Debt/Income ratio: 16%
Credit score: 880-899 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 39 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,417Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: balance-cypress3 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Loan
The purpose of this loan is for a 12 month bridge loan to?participate in a real estate opportunity.

I am a good candidate for this loan because of? I have 25? years of experience in business and real estate with a strong credit history.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jazzlender$50.00$50.0011/1/2010 3:11:17 PM
ray1051$75.00$75.0011/1/2010 3:13:16 PM
BxRealtor$25.00$25.0011/1/2010 3:23:47 PM
rescue$100.00$100.0011/1/2010 3:25:56 PM
GElender$75.00$75.0011/1/2010 3:06:42 PM
narblark$50.00$50.0011/1/2010 3:28:49 PM
williemc44$50.00$50.0011/1/2010 3:07:00 PM
organized-payment6$50.00$50.0011/1/2010 3:10:01 PM
simplelender80$100.00$100.0011/1/2010 3:33:26 PM
MM1207$25.00$25.0011/1/2010 3:33:51 PM
socal-lender$25.00$25.0011/1/2010 3:17:42 PM
natural-affluence4$25.00$25.0011/1/2010 3:22:02 PM
tech310$50.00$50.0011/1/2010 3:37:25 PM
GCInvestments$25.00$25.0011/1/2010 3:24:47 PM
jdwillcox$100.00$100.0011/1/2010 3:26:16 PM
indomitable-coin$50.00$50.0011/1/2010 3:39:07 PM
doncm$50.00$50.0011/1/2010 3:29:05 PM
generous-deal6$50.00$50.0011/1/2010 3:35:20 PM
riproaringrapids$25.00$25.0011/1/2010 3:32:57 PM
efficient-treasure0$25.00$25.0011/1/2010 3:36:16 PM
Weaverville$50.00$50.0011/1/2010 3:37:09 PM
Artist_Blue$25.00$25.0011/1/2010 3:40:02 PM
orange-dollar-guild$25.00$25.0011/1/2010 3:38:08 PM
successful-agreement7$100.00$100.0011/1/2010 4:22:42 PM
inspiring-reward$75.00$75.0011/1/2010 4:14:19 PM
108lender$150.00$150.0011/1/2010 4:46:31 PM
arenangelchild$29.93$29.9311/2/2010 4:48:19 AM
balanced-bill7$50.00$50.0011/2/2010 7:28:35 AM
subtle-revenue0$25.00$25.0011/2/2010 5:32:13 AM
SCD$25.00$25.0011/2/2010 4:14:16 AM
asset-professor$50.00$50.0011/2/2010 7:28:54 AM
flwah$25.00$25.0011/2/2010 7:43:45 AM
greenback-guard$25.00$25.0011/2/2010 1:23:11 PM
maldok1$25.00$25.0011/2/2010 4:16:33 PM
chlebie$50.00$50.0011/2/2010 4:06:59 PM
comet55$25.00$25.0011/2/2010 6:43:56 PM
availableloan$25.00$25.0011/2/2010 6:57:11 PM
investment-comet$25.00$25.0011/2/2010 9:14:57 PM
bxdoc$28.30$28.3011/3/2010 1:58:01 AM
Nyarpy$25.00$25.0011/3/2010 8:40:04 AM
grf1945$50.00$50.0011/3/2010 9:28:22 AM
dedicated-transaction796$50.00$50.0011/3/2010 9:35:57 AM
income-encore1$200.00$200.0011/3/2010 2:18:01 PM
rdrloan$50.00$50.0011/3/2010 3:37:39 PM
PatRichi$25.00$25.0011/3/2010 3:41:58 PM
Pacific-Bank$50.00$50.0011/3/2010 3:43:06 PM
irrelevant$25.00$25.0011/3/2010 3:52:50 PM
tntmojave$25.00$25.0011/3/2010 3:55:58 PM
nunnie$25.00$25.0011/3/2010 6:12:03 PM
Havana21$100.00$100.0011/3/2010 6:38:59 PM
julijask$35.00$35.0011/4/2010 1:29:30 AM
lion6$25.00$25.0011/3/2010 9:21:19 PM
laufer32304$35.27$35.2711/4/2010 1:06:20 AM
Katburg$35.00$35.0011/4/2010 6:08:52 AM
upperdeck$25.00$25.0011/4/2010 4:18:36 AM
worthy-bid8$100.00$100.0011/4/2010 6:51:17 AM
gain-gourd$100.00$100.0011/4/2010 9:37:08 AM
mentornetwork$25.00$25.0011/4/2010 9:44:26 AM
investment-comet$25.00$25.0011/4/2010 11:52:45 AM
the-money-position$50.00$50.0011/4/2010 11:54:48 AM
Vegas777$25.00$25.0011/4/2010 12:38:26 PM
chibear34$25.00$25.0011/4/2010 12:04:23 PM
addlending$50.00$50.0011/4/2010 12:56:58 PM
13nd3r$25.00$25.0011/4/2010 2:11:45 PM
rae4sunshine$25.00$25.0011/4/2010 2:07:51 PM
bright-investment$25.00$25.0011/4/2010 2:58:12 PM
DirtyJack$50.00$50.0011/4/2010 4:55:14 PM
rhodylend$25.00$25.0011/4/2010 5:16:28 PM
Go_Ducks$25.00$25.0011/4/2010 3:57:58 PM
JGONZ13850$27.76$27.7611/4/2010 4:04:10 PM
economy-orchid$25.00$25.0011/4/2010 6:25:24 PM
superb-funds335$25.00$25.0011/4/2010 7:56:52 PM
dobied$25.00$25.0011/4/2010 7:11:13 PM
mountainpeak$25.00$25.0011/4/2010 9:00:18 PM
gracej$25.00$25.0011/4/2010 9:53:10 PM
Papa_Mema$25.00$25.0011/5/2010 1:57:21 AM
powerful-finance7$25.00$25.0011/5/2010 3:44:15 AM
gjh37$34.74$34.7411/5/2010 5:03:30 AM
friendly-worth3$40.00$40.0011/5/2010 7:26:53 AM
kulender$50.00$50.0011/5/2010 5:03:45 AM
IIP77$25.00$25.0011/5/2010 8:31:40 AM
snowyowl$25.00$25.0011/5/2010 9:14:54 AM
Sphinx9499$50.00$50.0011/5/2010 10:43:25 AM
stollcm$25.00$25.0011/5/2010 9:49:17 AM
historic-nickel$25.00$25.0011/5/2010 9:51:10 AM
psa1995$47.16$47.1611/5/2010 10:15:27 AM
CEK360$200.00$200.0011/5/2010 12:40:29 PM
silver-armada$50.00$50.0011/5/2010 12:34:59 PM
wise-duty-investor$50.00$50.0011/5/2010 1:52:50 PM
wise-silver-wonder$25.00$25.0011/5/2010 12:40:09 PM
finance_mba$25.00$25.0011/5/2010 1:33:07 PM
progressive-power9$30.00$30.0011/5/2010 1:37:54 PM
fund-widget$25.00$25.0011/5/2010 3:08:09 PM
onlyastepaway$25.00$25.0011/5/2010 2:18:47 PM
kster$25.00$25.0011/5/2010 2:52:01 PM
fairness-kayak$25.00$25.0011/5/2010 3:58:57 PM
Goat$50.00$50.0011/5/2010 4:18:16 PM
alpinaut$25.00$25.0011/5/2010 6:50:15 PM
rapid-basis2$25.00$25.0011/5/2010 6:50:23 PM
gristle$50.00$50.0011/5/2010 6:51:54 PM
Zacsee$25.00$25.0011/5/2010 6:02:04 PM
horse697$50.00$50.0011/5/2010 7:08:06 PM
peso-mate$50.00$50.0011/5/2010 5:02:18 PM
junecleaver$25.00$25.0011/5/2010 5:08:01 PM
goodfaithAK$25.00$25.0011/5/2010 6:50:20 PM
galvatron$50.00$50.0011/5/2010 6:50:52 PM
Frenchynh$25.00$25.0011/5/2010 6:52:09 PM
Hogpilot$25.00$25.0011/5/2010 6:50:31 PM
reward-tsunami7$50.00$50.0011/5/2010 6:50:42 PM
greenback-ally$50.00$50.0011/5/2010 7:27:30 PM
ClearLake$25.00$25.0011/5/2010 6:52:04 PM
minddoc$25.00$25.0011/6/2010 3:20:58 AM
SwedeInvestor$50.00$50.0011/6/2010 3:36:29 AM
loot-heart$50.00$50.0011/5/2010 7:10:39 PM
reBuild-America$25.00$25.0011/5/2010 11:46:10 PM
hope-hickory$50.00$50.0011/5/2010 8:43:37 PM
floridahelper$25.00$25.0011/6/2010 6:25:39 AM
Gabriel02$25.00$25.0011/6/2010 7:50:46 AM
LiveNow$25.00$25.0011/6/2010 6:06:52 AM
Rivervale_Westwood$25.00$25.0011/6/2010 8:35:58 AM
promise2$25.00$25.0011/6/2010 1:30:54 AM
bid-czar8$50.00$50.0011/6/2010 3:41:48 AM
ingenious-order783$25.00$25.0011/6/2010 7:37:57 AM
zeelender$25.00$25.0011/6/2010 9:59:16 AM
listing-meridian$100.00$100.0011/6/2010 8:35:48 AM
mmckune$25.00$25.0011/6/2010 11:06:22 AM
ISHLEP67$50.00$50.0011/6/2010 11:06:28 AM
brienc$50.00$50.0011/6/2010 9:26:37 AM
ash135$25.00$25.0011/6/2010 9:45:28 AM
hrubinst$42.39$42.3911/6/2010 12:36:12 PM
Picopie$29.76$29.7611/6/2010 10:48:26 AM
Yuen$100.00$100.0011/6/2010 8:02:05 AM
pleasant-basis$25.00$25.0011/6/2010 1:12:48 PM
unassassinable$25.00$25.0011/6/2010 1:13:10 PM
ready-vigilance3$50.00$50.0011/6/2010 1:15:17 PM
dajen1$40.00$40.0011/6/2010 1:15:35 PM
suave-dime6$25.00$25.0011/6/2010 1:15:38 PM
designs626$50.00$50.0011/6/2010 1:15:58 PM
Rothgoe$25.00$25.0011/6/2010 1:16:51 PM
blackstar$25.00$25.0011/6/2010 1:29:23 PM
wacko82$50.00$50.0011/6/2010 1:12:44 PM
reueljw$25.00$25.0011/6/2010 1:12:58 PM
Relevance$25.00$25.0011/6/2010 1:14:29 PM
duty-starfish8$50.00$50.0011/6/2010 1:14:39 PM
srgriff$25.00$25.0011/6/2010 1:15:16 PM
aggielender$25.00$25.0011/6/2010 1:15:26 PM
the-debt-fluffy-bunny$25.00$25.0011/6/2010 1:15:36 PM
the-upbeat-p2p$50.00$50.0011/6/2010 1:15:44 PM
Schleproque$25.00$25.0011/6/2010 1:28:58 PM
MetroW$25.00$25.0011/6/2010 1:29:03 PM
SRK_FROM_WA$25.00$25.0011/6/2010 1:29:11 PM
CapStack$50.00$50.0011/6/2010 1:29:20 PM
Aimvest$25.00$25.0011/6/2010 11:06:06 AM
Emberfox$25.00$25.0011/6/2010 1:29:36 PM
EvalCrux$32.27$32.2711/6/2010 12:12:51 PM
red-favorable-basis$25.00$25.0011/6/2010 1:15:13 PM
Eagledrop$25.00$25.0011/6/2010 1:15:18 PM
impartial-deal$25.00$25.0011/6/2010 1:15:21 PM
Wilcat77$50.00$50.0011/6/2010 1:15:24 PM
lovely-benefit7$25.00$25.0011/6/2010 1:15:30 PM
loan-master996$40.70$40.7011/6/2010 1:15:52 PM
williamdkit$35.00$35.0011/6/2010 1:29:13 PM
elegant-income3$30.00$30.0011/6/2010 2:36:22 PM
cedar5$25.43$25.4311/7/2010 7:21:24 AM
power-secret-agent$25.00$25.0011/7/2010 8:48:53 AM
iaviate1$25.00$25.0011/7/2010 10:41:11 AM
mmullen2$50.00$50.0011/7/2010 9:06:51 AM
newest-bountiful-basis$25.00$25.0011/7/2010 10:47:02 AM
oldman68$25.00$25.0011/7/2010 11:31:36 PM
fairness-swashbuckler$25.00$25.0011/7/2010 6:01:01 PM
wwwUniversal$25.00$25.0011/8/2010 3:11:12 AM
ommuruga$75.00$75.0011/7/2010 6:34:28 PM
mgking007$25.00$25.0011/7/2010 10:44:33 PM
gaiusceasar$25.00$25.0011/8/2010 8:41:34 AM
investment-artist$25.00$25.0011/8/2010 9:26:31 AM
penny-broker$25.00$25.0011/8/2010 11:39:11 AM
dime-vista2$25.00$25.0011/8/2010 9:57:12 AM
toomanyfishtanks$25.00$25.0011/8/2010 12:54:54 PM
vtpilot00$50.00$50.0011/8/2010 12:58:54 PM
greenback-guard$25.00$25.0011/8/2010 11:01:44 AM
rate-negotiator$25.00$25.0011/8/2010 2:00:50 PM
bold-durability-drum$50.00$50.0011/1/2010 3:21:41 PM
skuba$25.00$25.0011/1/2010 3:23:14 PM
the-profit-oracle$25.00$25.0011/1/2010 3:32:41 PM
worth-excellence4$25.00$25.0011/1/2010 3:32:49 PM
justalender$25.00$25.0011/1/2010 3:34:15 PM
graceful-investment$100.00$100.0011/1/2010 3:34:18 PM
flopcat$25.00$25.0011/1/2010 3:34:41 PM
rjleves$50.00$50.0011/1/2010 3:34:58 PM
mjunlimited$50.00$50.0011/1/2010 3:21:11 PM
handshake5$100.00$100.0011/1/2010 3:24:17 PM
nickel-ferret$50.00$50.0011/1/2010 3:27:40 PM
loyalty-sherpa$50.00$50.0011/1/2010 3:28:33 PM
enthralling-deal180$50.00$50.0011/1/2010 3:26:53 PM
tolerant-dinero2$25.00$25.0011/1/2010 3:41:40 PM
rekitten$100.00$100.0011/1/2010 3:32:18 PM
Interstate_Rate$50.00$50.0011/1/2010 3:38:38 PM
larrybird$150.00$150.0011/1/2010 3:42:45 PM
velocity-solo$25.00$25.0011/1/2010 3:41:52 PM
radforj22$25.00$25.0011/1/2010 6:55:02 PM
kind-value-pouch$200.00$200.0011/1/2010 6:41:01 PM
icchok$50.00$50.0011/2/2010 5:56:58 AM
JustMee$25.00$25.0011/2/2010 7:25:54 AM
teller$50.00$50.0011/2/2010 5:32:03 AM
tearingstar$50.00$50.0011/2/2010 5:32:19 AM
ichibon$150.00$150.0011/2/2010 8:13:41 AM
reflective-cash0$75.00$75.0011/2/2010 5:56:34 AM
inspired-investment8$50.00$50.0011/2/2010 8:59:24 AM
money-bauble$36.13$36.1311/2/2010 8:23:05 AM
kegs$150.00$150.0011/2/2010 9:52:37 AM
Aristocrat$25.00$25.0011/2/2010 10:49:58 AM
brazilofmux$100.00$100.0011/2/2010 9:52:18 AM
beeper2$100.00$100.0011/2/2010 10:41:51 AM
studious-bonus7$50.20$50.2011/2/2010 12:51:19 PM
wampum-chorus3$25.00$25.0011/2/2010 2:34:38 PM
missing-link$50.00$50.0011/2/2010 4:00:41 PM
best-coin-miser$25.00$25.0011/2/2010 4:30:49 PM
bentheretoo$125.00$125.0011/2/2010 6:57:28 PM
a-finance-nirvana$25.00$25.0011/3/2010 9:13:21 AM
melodious-fairness$50.00$50.0011/3/2010 10:41:56 AM
japerk$25.00$25.0011/3/2010 1:50:38 PM
dime-historian$25.00$25.0011/3/2010 1:27:14 PM
Goodthing$300.00$300.0011/3/2010 2:24:36 PM
point-shooter$43.31$43.3111/3/2010 3:42:53 PM
balance6$25.00$25.0011/3/2010 3:46:40 PM
PK_USMC$25.00$25.0011/3/2010 3:47:45 PM
CAGE-Investments$25.00$25.0011/3/2010 3:53:05 PM
Banker7371$25.00$25.0011/3/2010 3:55:47 PM
point-kitten6$50.00$50.0011/3/2010 3:56:06 PM
plentiful-reward$50.00$50.0011/3/2010 3:58:14 PM
Nailman88$50.00$50.0011/3/2010 7:37:11 PM
vigorous-velocity$100.00$100.0011/3/2010 8:28:13 PM
kmr2$200.00$200.0011/3/2010 6:28:12 PM
Phantom99$25.00$25.0011/4/2010 1:12:18 AM
objective-investor$150.00$150.0011/4/2010 3:44:36 AM
anders94$25.00$25.0011/4/2010 1:06:26 AM
dzukas$50.00$50.0011/4/2010 4:57:28 AM
Cherrypicker$45.00$45.0011/4/2010 8:50:17 AM
silver-dogwood4$25.00$25.0011/4/2010 6:58:29 AM
newest-sensible-hope$50.00$50.0011/4/2010 10:00:48 AM
seabass123$25.00$25.0011/4/2010 8:58:35 AM
wonderful-revenue0$25.00$25.0011/4/2010 10:34:49 AM
blissful-dedication3$25.00$25.0011/4/2010 11:51:28 AM
brightest-dynamic-peace$25.00$25.0011/4/2010 2:12:05 PM
microlender67$50.00$50.0011/4/2010 1:03:43 PM
seju$25.00$25.0011/4/2010 1:20:07 PM
phillipd48$25.00$25.0011/4/2010 2:27:51 PM
Sam65$25.00$25.0011/4/2010 4:38:23 PM
InspireLife$25.00$25.0011/4/2010 3:33:44 PM
deal-vibrato$25.69$25.6911/4/2010 5:23:04 PM
felicity-loyalist0$50.00$50.0011/4/2010 5:32:21 PM
systematic-dollar9$25.00$25.0011/4/2010 3:48:22 PM
TrustPlus$50.00$50.0011/4/2010 5:23:07 PM
helpishere777$25.00$25.0011/4/2010 5:53:40 PM
bid-computer$25.00$25.0011/4/2010 9:03:09 PM
BangBros$50.00$50.0011/4/2010 8:03:15 PM
xlch$25.00$25.0011/5/2010 12:28:39 AM
Cheburashka$25.00$25.0011/5/2010 1:29:05 AM
Rick21$50.00$50.0011/4/2010 10:18:18 PM
herbyman$50.00$50.0011/5/2010 6:08:30 AM
mpactlender$25.00$25.0011/5/2010 7:04:26 AM
SelectTrustLending$25.00$25.0011/5/2010 7:19:42 AM
cybernosha$25.00$25.0011/5/2010 7:44:25 AM
tacinc100$25.00$25.0011/5/2010 9:44:40 AM
FredHead3$45.79$45.7911/5/2010 10:37:03 AM
bambampk$25.00$25.0011/5/2010 7:52:50 AM
ti22ring$25.00$25.0011/5/2010 10:35:38 AM
ciscoparrot$25.00$25.0011/5/2010 10:43:30 AM
sumac5$100.00$100.0011/5/2010 1:04:50 PM
quintilian$50.00$50.0011/5/2010 1:13:03 PM
engaging-leverage823$50.00$50.0011/5/2010 12:03:21 PM
important-ore$67.53$67.5311/5/2010 2:14:24 PM
astute-benjamins$42.53$42.5311/5/2010 1:08:27 PM
deal-pioneer1$25.00$25.0011/5/2010 1:20:41 PM
WCLender$50.00$50.0011/5/2010 1:37:04 PM
the-stylish-euro$25.00$25.0011/5/2010 1:58:52 PM
digitalrinaldo$50.00$50.0011/5/2010 3:40:12 PM
orgy63$50.00$50.0011/5/2010 4:27:05 PM
profitable-money$25.00$25.0011/5/2010 4:11:54 PM
CaptainBlueberry$25.00$25.0011/5/2010 6:50:00 PM
iamricher$25.00$25.0011/5/2010 6:50:47 PM
peripatetic$25.00$25.0011/5/2010 6:51:09 PM
ptjg$50.00$50.0011/5/2010 6:52:02 PM
zoe1971$25.00$25.0011/5/2010 7:07:58 PM
maschinenbau$25.00$25.0011/5/2010 7:08:45 PM
PatriotKnight$25.00$25.0011/5/2010 7:10:29 PM
t2smoney$25.00$25.0011/5/2010 7:12:16 PM
smilinguy$25.00$25.0011/5/2010 8:18:30 PM
shmb6508$50.00$50.0011/5/2010 7:09:25 PM
FadSaolAgat$50.00$50.0011/5/2010 7:09:47 PM
lagnisiruk$25.00$25.0011/5/2010 6:50:48 PM
neutrino6$25.00$25.0011/5/2010 10:43:14 PM
layzboy$50.00$50.0011/5/2010 7:38:36 PM
uncleharold$25.00$25.0011/5/2010 9:29:03 PM
BigLinCT$25.00$25.0011/5/2010 7:09:43 PM
nobanksallowed$68.29$68.2911/6/2010 4:58:55 AM
GATrust$60.00$60.0011/5/2010 11:27:55 PM
marketplace-cello5$50.00$50.0011/5/2010 10:03:11 PM
HedgeFund$50.00$50.0011/5/2010 10:10:01 PM
penny-finder$45.30$45.3011/5/2010 11:22:24 PM
vibraphone3$50.00$50.0011/6/2010 5:30:48 AM
omerta6102$40.57$40.5711/6/2010 10:11:55 AM
ladderskibum$25.00$25.0011/6/2010 11:06:17 AM
Dollars4Rent$25.00$25.0011/6/2010 11:16:48 AM
honorable-yield$35.00$35.0011/6/2010 6:46:30 AM
crenen139$25.00$25.0011/6/2010 12:53:57 PM
bonus-maximizer919$50.00$50.0011/6/2010 1:12:49 PM
CSUgrad08$25.00$25.0011/6/2010 1:13:31 PM
historic-loan1$25.00$25.0011/6/2010 1:15:14 PM
bold-yield-rumbler$25.00$25.0011/6/2010 1:15:20 PM
life-is-great$50.00$50.0011/6/2010 1:15:37 PM
intuitive-bill$25.00$25.0011/6/2010 1:15:40 PM
kenji4861$25.00$25.0011/6/2010 1:15:54 PM
bwash617$25.00$25.0011/6/2010 1:17:55 PM
Evan_Safe$25.00$25.0011/6/2010 1:29:06 PM
credit-panda1$25.00$25.0011/6/2010 1:31:18 PM
quad$100.00$100.0011/6/2010 9:55:45 AM
Dahlozer$25.00$25.0011/6/2010 12:58:17 PM
mooch_1993$25.00$25.0011/6/2010 1:12:21 PM
patriot897$25.00$25.0011/6/2010 1:12:55 PM
new-ore-venture$100.00$100.0011/6/2010 10:17:20 AM
lostontheedge$25.00$25.0011/6/2010 1:13:25 PM
chemistry220$50.00$50.0011/6/2010 1:14:31 PM
BankofRon$25.00$25.0011/6/2010 1:15:11 PM
orderly-leverage$50.00$50.0011/6/2010 1:15:25 PM
Mark0135$100.00$100.0011/6/2010 1:15:33 PM
blissful-note7$25.00$25.0011/6/2010 1:15:56 PM
skydiver111$25.00$25.0011/6/2010 1:29:01 PM
p2ploan-charmer$25.00$25.0011/6/2010 1:29:05 PM
TOCPI$25.00$25.0011/6/2010 1:29:32 PM
jtradition$50.00$18.5411/6/2010 1:29:37 PM
jleng$25.00$25.0011/6/2010 1:12:17 PM
McRowdy$25.00$25.0011/6/2010 1:13:04 PM
beachbum22$25.00$25.0011/6/2010 1:15:15 PM
Sixmil$50.00$50.0011/6/2010 1:15:19 PM
interest-financier265$50.00$50.0011/6/2010 4:56:35 PM
gametime34$59.76$59.7611/6/2010 1:15:23 PM
justice-dna$25.00$25.0011/6/2010 1:15:26 PM
54CHEVY$50.00$50.0011/6/2010 1:15:53 PM
KileNSmyth4$30.00$30.0011/6/2010 1:29:21 PM
Boxster968$37.65$37.6511/6/2010 3:57:38 PM
MacBrandon$25.00$25.0011/6/2010 2:37:00 PM
12Knocksinna$25.00$25.0011/7/2010 1:39:57 PM
SpotLending$25.00$25.0011/7/2010 4:46:05 PM
exact-peso2$25.00$25.0011/8/2010 6:10:05 AM
octoberfresh$25.00$25.0011/8/2010 6:42:00 AM
attractive-point956$25.00$25.0011/8/2010 5:41:53 AM
silver-baby$25.00$25.0011/8/2010 7:12:58 AM
wojo$50.00$50.0011/8/2010 8:08:56 AM
AuroraRobbin$50.00$50.0011/8/2010 10:39:35 AM
mrmojado$25.00$25.0011/8/2010 9:39:39 AM
greenback-guard$25.00$25.0011/8/2010 11:01:45 AM
magnificent-reward9$30.00$30.0011/8/2010 10:57:04 AM
falcone$25.00$25.0011/8/2010 1:04:10 PM
jerrymaguire$25.00$25.0011/8/2010 2:52:51 PM
355 bids
 
Borrower Payment Dependent Notes Series 481644
This series of Notes was issued and sold upon the funding of the borrower loan #45348, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Oct-27-2010 
  Auction end date:  Nov-03-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $180.71
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $180.71
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1998 Debt/Income ratio: 14%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $39,668Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: alaskaviking Borrower's state: Alaska Borrower's group: Voyagers Financial
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 41% ) 660-679 (Latest)
Principal borrowed: $8,000.00< 31 days late: 13 ( 48% )  
680-699 (Jul-2007)
 
Principal balance: $56.41 31+ days late: 3 ( 11% )
Total payments billed: 27  
Description
2nd Try - Weatherize/Consolidate
undefinedundefinedundefined The last day of my 1st listing saw a spike in the amount funded but it wasn't enough before the bidding ended.? So, I'm trying again.? Purpose: Pay for the last project needed for energy rebate and to pay down a card used to fund previous projects. When all improvements are complete, I?ll receive $5500 from the state that will more than repay this loan. My previous loan was also repaid early.?Finances: My 1st loan paid for unexpected medical expenses that drained my reserves. I then became unemployed but worked hard to keep up. The majority of loan payments were either on-time or less than 31 days late and as soon as I was re-employed I paid back the loan early. I am now in a very secure, well paying job position. Free funds in my budget (below) have paid for much of the house work and gone towards rebuilding cash reserves to ensure I'm able to meet obligations should something catastrophic happen in the future.Mthly Net income: $ 4,500
Housing: $ 1,600
HELOC: $200 (majority of my revolving credit balance)
HOA Dues: $199
Car: $375
All Utilities: average $ 600 (jump in winter)
Groceries/Household: $ 600
CC1: $50 (most of the balance will be paid off with this loan)
CC 2: $15
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)
loyalist1$100.00$100.0010/27/2010 3:00:15 PM
radiant-loan5$200.00$200.0010/27/2010 3:06:03 PM
bid-czar8$25.00$25.0010/27/2010 3:11:40 PM
suave-dime6$50.00$50.0010/27/2010 3:10:47 PM
blue-useful-auction$25.00$25.0010/27/2010 4:35:41 PM
natural-greenback6$25.00$25.0010/29/2010 12:30:37 PM
NoCal$30.00$30.0010/31/2010 5:56:00 PM
nickel-hickory$50.00$50.0011/1/2010 12:06:21 AM
worthy-bid4$100.00$100.0011/1/2010 9:28:41 AM
platinum-celebration4$25.00$25.0011/1/2010 9:39:35 AM
shmb6508$50.00$50.0011/1/2010 12:57:22 PM
teller$50.00$50.0011/1/2010 4:25:40 PM
gallant-economy9$350.00$350.0011/1/2010 6:31:31 PM
paradisenow$25.00$25.0011/1/2010 4:39:35 PM
money-bauble$25.00$25.0011/1/2010 6:35:32 PM
Magog12$25.00$25.0011/1/2010 4:49:20 PM
tearingstar$35.00$35.0011/1/2010 8:43:58 PM
Comoparklender$41.34$41.3411/1/2010 7:23:01 PM
IIP77$25.00$25.0011/2/2010 3:10:08 AM
TakeCare$60.00$60.0011/2/2010 12:13:21 PM
Bob450$30.00$30.0011/2/2010 12:08:18 PM
thrifty-capital$25.00$25.0011/2/2010 1:14:52 PM
credit-sycamore4$50.00$50.0011/2/2010 1:53:38 PM
missing-link$100.00$100.0011/2/2010 2:17:08 PM
Investoman$25.00$25.0011/2/2010 2:58:25 PM
resplendent-dollar$25.00$25.0011/2/2010 2:34:04 PM
ttnk62918$25.00$25.0011/2/2010 2:14:49 PM
a-golden-deal$75.00$75.0011/2/2010 3:04:48 PM
shrewd-peace7$25.00$25.0011/2/2010 2:58:44 PM
willinvest$25.00$25.0011/2/2010 5:19:20 PM
rockhound84$25.00$25.0011/3/2010 3:45:38 AM
Moe87$25.00$25.0011/3/2010 3:51:54 AM
Ven58$25.00$25.0011/3/2010 1:01:44 AM
crw1950$30.00$30.0011/3/2010 6:00:28 AM
duty-monger$50.00$50.0011/3/2010 8:08:30 AM
spsavage$25.00$25.0011/3/2010 8:23:33 AM
HermanstadtKid$40.00$40.0011/3/2010 10:33:18 AM
profit-powerplant$50.00$50.0011/3/2010 9:43:42 AM
DaddyBill$25.00$25.0011/3/2010 11:39:35 AM
red-ready-principal$25.00$25.0011/3/2010 10:50:51 AM
alluring-yield5$25.00$25.0011/3/2010 10:59:39 AM
Cambium$25.00$25.0011/3/2010 1:38:22 PM
credit-missile$25.00$25.0011/3/2010 1:40:11 PM
CACO_Bank$25.00$25.0011/3/2010 2:03:39 PM
valiant-liberty4$25.00$25.0010/27/2010 3:09:37 PM
FinDoc$25.00$25.0010/27/2010 3:52:25 PM
handshake5$100.00$100.0010/27/2010 3:11:29 PM
inspiring-reward$100.00$100.0010/27/2010 5:00:51 PM
beakerfish$150.00$150.0010/27/2010 6:07:24 PM
Artist_Blue$25.00$25.0010/28/2010 12:36:03 PM
Chesterite$25.00$25.0010/28/2010 1:27:01 PM
simplelender80$200.00$200.0010/28/2010 3:05:42 PM
velocity-solo$25.00$25.0010/29/2010 9:44:41 AM
donlenboy$30.99$30.9910/29/2010 9:53:29 AM
all_of_that_one$40.00$40.0010/29/2010 2:57:22 PM
graceful-investment$100.00$100.0010/30/2010 11:30:52 AM
GElender$32.16$32.1610/30/2010 7:03:18 PM
sagan$25.00$25.0010/30/2010 10:34:49 PM
tech310$25.00$25.0010/31/2010 9:44:30 PM
asiaratt$50.00$50.0011/1/2010 3:51:05 AM
larrybird$150.00$150.0011/1/2010 11:42:21 AM
kulender$100.00$100.0011/1/2010 4:20:48 PM
skuba$25.00$25.0011/1/2010 4:25:50 PM
musegaze$100.00$100.0011/1/2010 4:26:40 PM
108lender$100.00$100.0011/1/2010 4:45:39 PM
generous-deal6$25.00$25.0011/1/2010 6:54:06 PM
diverse2$25.00$25.0011/1/2010 6:32:26 PM
point$50.00$50.0011/2/2010 6:19:59 AM
flwah$25.00$25.0011/2/2010 7:48:42 AM
economy-producer$25.00$25.0011/2/2010 9:13:46 AM
mindful-cash6$25.00$25.0011/2/2010 9:34:49 AM
logical-loyalty0$25.00$25.0011/2/2010 9:14:36 AM
PatRichi$25.00$25.0011/2/2010 9:14:48 AM
greenback-guard$25.00$25.0011/2/2010 1:22:15 PM
noble-revenue$100.00$26.7111/2/2010 3:00:18 PM
meers2000$25.00$25.0011/2/2010 2:33:35 PM
tuere25$35.00$35.0011/2/2010 2:57:55 PM
affluence-tycoon$25.00$25.0011/2/2010 3:00:14 PM
FinanceEngine$30.00$30.0011/2/2010 3:37:24 PM
thankful-nickel2$25.00$25.0011/2/2010 7:44:00 PM
Feyenoord$25.00$25.0011/2/2010 9:13:53 PM
mckhbnpc$30.00$30.0011/2/2010 8:24:44 PM
credit-waterfall2$25.00$25.0011/2/2010 10:53:18 PM
rockhound84$25.00$25.0011/3/2010 3:46:58 AM
aztocas$25.00$25.0011/2/2010 10:12:03 PM
Pu239$49.81$49.8111/3/2010 1:51:20 AM
Leshan$50.00$50.0011/3/2010 8:19:46 AM
principal-star$25.00$25.0011/3/2010 9:25:07 AM
crawfishcentral$33.99$33.9911/3/2010 7:07:54 AM
thebadpelican$25.00$25.0011/3/2010 8:06:33 AM
jhernand17$25.00$25.0011/3/2010 9:14:12 AM
Mikale360$25.00$25.0011/3/2010 11:33:29 AM
credit-missile$25.00$25.0011/3/2010 1:40:43 PM
ethicalhumanist$50.00$50.0011/3/2010 12:35:45 PM
ultimate-peace$25.00$25.0011/3/2010 1:59:09 PM
farchoir$25.00$25.0011/3/2010 2:43:44 PM
96 bids
 
Borrower Payment Dependent Notes Series 481888
This series of Notes was issued and sold upon the funding of the borrower loan #45344, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-28-2010 
  Auction end date:  Nov-04-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $336.52
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1998 Debt/Income ratio: 13%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 34 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,594Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: bstyle8 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
Rental Property Repairs - New Roof
Purpose of loan:
This loan will be used to replace a leaking roof at one of my rental properties before winter sets in.

My financial situation:
I am a good candidate for this loan because I work full time and make $60K annual salary from my job (verified) and I make an additional 105K a year in rent from 6 rental properties that I own although 60K goes towards mortgages, taxes, insurance, etc. and the rest goes into updates/repairs and maintaining the properties in tip-top condition. I have no clue on why my prosper rating is an E when my credit score is almost 700 and my credit profile is generally in good shape. I would not normally apply for a loan on here but like most I had my credit lines reduced this year (read on Google about banks 'chasing the balance' which is what happened to me) and has made it more difficult for me to borrow. I am also currently at the low end of my cash-flow cycle (I rent to college students and get another 15K in rent in January for the spring semester) but didn't budget well enough for a new roof. I am raising the interest rate I will pay on this loan and re-listing it in the hopes it can get funded this time.

I respectfully thank you for your consideration and assistance.


Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
valiant-liberty4$25.00$25.0010/28/2010 3:32:25 PM
suave-dime6$25.00$25.0010/28/2010 3:33:36 PM
platinum-hunter7$30.00$30.0010/28/2010 3:19:23 PM
simplelender80$200.00$200.0010/28/2010 3:06:01 PM
parsec9$25.00$25.0010/29/2010 12:54:16 AM
Artist_Blue$25.00$25.0010/29/2010 9:31:10 AM
noble-revenue$50.00$50.0010/29/2010 2:34:21 PM
Amber_Stone$25.00$25.0010/29/2010 3:55:12 PM
momentous-value$25.00$25.0010/30/2010 11:47:59 AM
natural-greenback6$25.00$25.0010/31/2010 9:24:10 PM
tech310$25.00$25.0010/31/2010 9:44:10 PM
platinum-celebration4$25.00$25.0011/1/2010 9:39:55 AM
larrybird$25.00$25.0011/1/2010 6:54:58 PM
flwah$25.00$25.0011/2/2010 7:48:58 AM
NoCal$30.00$30.0011/2/2010 1:21:35 PM
missing-link$100.00$100.0011/2/2010 2:17:19 PM
resplendent-dollar$25.00$25.0011/2/2010 3:40:38 PM
asiaratt$50.00$50.0011/2/2010 3:33:02 PM
tearingstar$35.00$35.0011/2/2010 3:33:41 PM
generous-deal6$25.00$25.0011/2/2010 3:35:51 PM
best-coin-miser$25.00$25.0011/2/2010 4:31:14 PM
profit-powerplant$50.00$50.0011/3/2010 9:44:30 AM
musegaze$30.66$30.6611/3/2010 9:03:18 AM
skuba$25.00$25.0011/3/2010 12:28:14 PM
PatRichi$25.00$25.0011/3/2010 2:59:24 PM
Comoparklender$50.00$50.0011/3/2010 3:00:41 PM
treasure-bliss$50.00$50.0011/3/2010 3:02:55 PM
anton$27.52$27.5211/3/2010 2:53:23 PM
escharfer$25.00$25.0011/3/2010 3:05:12 PM
momoney2lend$25.00$25.0011/3/2010 3:02:07 PM
imoutdoorsy$25.00$25.0011/3/2010 3:02:24 PM
chinolatino$25.00$25.0011/3/2010 3:04:00 PM
point$50.00$50.0011/3/2010 3:06:19 PM
FeedTheMachine$50.00$50.0011/3/2010 3:06:33 PM
Wellman$50.00$50.0011/3/2010 3:04:39 PM
MadHun$57.29$57.2911/3/2010 3:10:27 PM
tuneman1980$25.00$25.0011/3/2010 3:32:28 PM
sjlnn$25.00$25.0011/3/2010 3:47:51 PM
payment-gusto$25.00$25.0011/3/2010 4:02:58 PM
dedication-merman$50.00$50.0011/3/2010 4:05:29 PM
squarebob$25.00$25.0011/3/2010 4:57:51 PM
shrewd-peace7$50.00$50.0011/3/2010 4:18:40 PM
crenen139$25.00$25.0011/3/2010 4:20:57 PM
chemistry220$50.00$50.0011/3/2010 4:21:15 PM
Rogesparkguy$25.00$25.0011/3/2010 10:25:11 PM
contract-happiness1$25.00$25.0011/3/2010 7:43:09 PM
numitor$25.00$25.0011/3/2010 7:48:10 PM
ITExec$34.00$34.0011/4/2010 12:55:23 AM
seisen$55.72$55.7211/4/2010 1:06:52 AM
piscary$50.00$50.0011/3/2010 8:58:05 PM
djindepth$50.00$50.0011/4/2010 1:29:57 AM
camaraderi-workhorse$27.03$27.0311/4/2010 1:49:29 AM
puifais$25.00$25.0011/4/2010 2:06:30 AM
LenderByDay$25.00$25.0011/4/2010 12:43:37 AM
papaman$25.00$25.0011/4/2010 12:54:41 AM
loan_doctor$25.00$25.0011/4/2010 12:34:48 AM
Sateesh$38.12$38.1211/4/2010 12:58:29 AM
CapeDollars$25.27$25.2711/4/2010 1:13:48 AM
nodrivelpls$25.00$25.0011/4/2010 12:59:52 AM
macgeek$41.03$41.0311/4/2010 1:18:48 AM
xzec777$25.00$25.0011/4/2010 1:17:52 AM
saffron4$25.00$25.0011/4/2010 1:49:39 AM
tornandfrayed$26.43$26.4311/4/2010 1:56:32 AM
life-is-great$50.00$50.0011/4/2010 6:27:56 AM
b-rent$25.00$25.0011/4/2010 2:06:33 AM
RyanM561$25.00$25.0011/4/2010 7:36:28 AM
Katburg$25.00$25.0011/4/2010 6:09:42 AM
MicroTreasury$25.00$25.0011/4/2010 6:33:00 AM
zwd12$48.74$48.7411/4/2010 6:33:08 AM
LMM1$35.00$35.0011/4/2010 9:36:55 AM
fundenstein$25.00$25.0011/4/2010 7:23:40 AM
bold-direct-asset$50.00$50.0011/4/2010 9:42:52 AM
social-conductor4$25.00$25.0011/4/2010 8:02:43 AM
reflective-cash0$50.00$50.0011/4/2010 8:33:08 AM
DasMula$25.00$25.0011/4/2010 8:43:07 AM
first-listing-expert$25.00$25.0011/4/2010 10:13:09 AM
jubilant-agreement0$25.00$25.0011/4/2010 10:18:43 AM
happiness414$50.00$50.0011/4/2010 10:27:43 AM
gain-gourd$50.00$50.0011/4/2010 9:37:22 AM
top-payout-fixer$25.00$25.0011/4/2010 9:36:57 AM
wise-silver-wonder$25.00$25.0011/4/2010 9:40:25 AM
Dreams4Cash$25.00$25.0011/4/2010 10:59:42 AM
innocent-income4$25.00$25.0011/4/2010 9:52:31 AM
mla$25.00$25.0011/4/2010 10:00:01 AM
maverickinwine$50.00$50.0011/4/2010 10:06:42 AM
piter-to-la-investment$25.00$25.0011/4/2010 10:18:40 AM
miked8303$25.00$25.0011/4/2010 10:27:46 AM
Free-the-usa-1776$25.00$25.0011/4/2010 11:19:28 AM
a-golden-deal$50.00$50.0011/4/2010 1:00:31 PM
leverage-monger$25.00$25.0011/4/2010 1:31:25 PM
p2ploan-sensation211$25.00$25.0011/4/2010 2:09:08 PM
loss-of-control$50.00$50.0011/4/2010 2:22:26 PM
wlm3012$25.00$25.0011/4/2010 2:23:26 PM
radiant-loan5$200.00$200.0010/28/2010 3:30:55 PM
velocity-solo$25.00$25.0010/29/2010 9:45:20 AM
inspiring-reward$100.00$100.0010/29/2010 2:35:03 PM
bid-czar8$25.00$25.0010/29/2010 11:58:24 AM
handshake5$100.00$100.0010/29/2010 3:13:52 PM
rustysailor$30.00$30.0010/29/2010 10:42:35 PM
MM1207$25.00$25.0010/30/2010 8:10:03 AM
graceful-investment$100.00$100.0010/30/2010 11:31:10 AM
rustysailor$25.00$25.0010/31/2010 1:35:04 PM
rate-farm3$100.00$100.0011/1/2010 6:29:21 AM
worthy-bid4$65.38$65.3811/1/2010 9:28:57 AM
retired272$25.00$25.0011/1/2010 1:23:59 PM
nickel-hickory$50.00$50.0011/1/2010 4:29:26 PM
108lender$100.00$100.0011/1/2010 4:47:07 PM
Magog12$25.00$25.0011/1/2010 6:54:27 PM
courteous-kindness1$100.00$100.0011/1/2010 5:54:10 PM
velocity-motivator6$25.00$25.0011/1/2010 7:08:26 PM
helping-out$25.00$25.0011/1/2010 7:20:24 PM
kulender$50.00$50.0011/2/2010 6:20:18 AM
nilonc1$98.53$98.5311/2/2010 11:09:40 AM
economy-producer$25.00$25.0011/2/2010 9:14:01 AM
IIP77$25.00$25.0011/2/2010 12:14:17 PM
greenback-guard$25.00$25.0011/2/2010 1:22:47 PM
money-bauble$25.00$25.0011/2/2010 3:00:21 PM
shmb6508$50.00$50.0011/2/2010 3:01:19 PM
TakeCare$50.00$50.0011/2/2010 3:01:18 PM
mindful-cash6$25.00$25.0011/2/2010 3:35:36 PM
sagan$25.00$25.0011/2/2010 3:35:45 PM
oath163$25.00$25.0011/2/2010 6:32:28 PM
teller$39.15$39.1511/3/2010 1:06:13 AM
worthy-bid8$25.00$25.0011/3/2010 7:24:15 AM
Anny-Disco$25.00$25.0011/3/2010 12:08:23 PM
credit-sycamore4$50.00$50.0011/3/2010 3:01:38 PM
Maetryx$50.00$50.0011/3/2010 3:02:15 PM
Investoman$25.00$25.0011/3/2010 3:04:54 PM
logical-loyalty0$25.00$25.0011/3/2010 3:01:03 PM
red-power-pecan$42.66$42.6611/3/2010 3:02:42 PM
orange-preeminant-bill$45.52$45.5211/3/2010 3:02:52 PM
maschinenbau$25.00$25.0011/3/2010 3:03:27 PM
unassassinable$25.00$25.0011/3/2010 3:39:51 PM
jamiee73$25.00$25.0011/3/2010 3:50:45 PM
DDHMoney$25.00$25.0011/3/2010 4:03:31 PM
platinum-cargo$25.00$25.0011/3/2010 4:15:22 PM
jigsaw$50.00$50.0011/3/2010 4:20:45 PM
squarebob$25.00$25.0011/3/2010 4:56:49 PM
cropdust3r$25.00$25.0011/3/2010 4:40:04 PM
logical-investment4$25.00$25.0011/3/2010 5:04:36 PM
squarebob$25.00$25.0011/3/2010 4:56:07 PM
squarebob$25.00$25.0011/3/2010 4:57:19 PM
thorough-exchange4$37.74$37.7411/3/2010 5:46:14 PM
vigorous-velocity$100.00$100.0011/3/2010 8:34:02 PM
jubilant-auction5$25.00$25.0011/3/2010 6:38:57 PM
famous-bill$25.00$25.0011/3/2010 10:18:37 PM
brother_tam$49.19$49.1911/3/2010 10:38:22 PM
kscc183$25.00$25.0011/4/2010 12:55:18 AM
thomas16882004$25.00$25.0011/3/2010 9:18:35 PM
famous-hope$25.00$25.0011/4/2010 1:56:20 AM
NoMoreDebt4Me$25.00$25.0011/4/2010 1:56:41 AM
Bob450$25.00$25.0011/3/2010 10:05:59 PM
money-yeller$25.00$25.0011/3/2010 10:16:46 PM
teega5$25.00$25.0011/4/2010 3:56:30 AM
lcole32$25.00$25.0011/4/2010 12:54:44 AM
Phantom99$25.00$25.0011/4/2010 1:01:43 AM
psa1995$25.00$25.0011/4/2010 6:04:19 AM
A007$25.56$25.5611/4/2010 1:18:53 AM
lostontheedge$25.00$25.0011/4/2010 1:19:53 AM
financial-frenzy$28.10$28.1011/4/2010 1:49:43 AM
thrifty-return$31.68$31.6811/4/2010 1:50:29 AM
asmithj$26.91$26.9111/4/2010 1:56:38 AM
new-social-economist$30.69$30.6911/4/2010 6:27:52 AM
best-unbeatable-transaction$25.00$25.0011/4/2010 2:06:37 AM
HedgeFund$29.25$29.2511/4/2010 4:28:53 AM
equitable-yield4$25.00$25.0011/4/2010 7:23:42 AM
CC911$25.00$25.0011/4/2010 6:10:11 AM
blackstar$25.00$25.0011/4/2010 9:03:29 AM
WBB21$50.00$50.0011/4/2010 6:17:50 AM
ivadood$30.51$30.5111/4/2010 6:33:11 AM
jhernand17$25.00$25.0011/4/2010 9:36:06 AM
honorable-yield$25.00$25.0011/4/2010 7:23:39 AM
gaiusceasar$25.00$25.0011/4/2010 9:46:21 AM
DasMula$25.00$25.0011/4/2010 8:42:54 AM
Leshan$33.33$33.3311/4/2010 9:04:25 AM
greenback-bull6$50.00$50.0011/4/2010 10:18:51 AM
Sokarnox$25.00$25.0011/4/2010 9:36:52 AM
vontuse$25.00$25.0011/4/2010 10:34:16 AM
gimincorp$40.30$40.3011/4/2010 9:36:58 AM
340$68.43$68.4311/4/2010 10:35:24 AM
Shepherd7$50.00$50.0011/4/2010 9:52:30 AM
orderly-leverage$50.00$50.0011/4/2010 10:13:13 AM
heroic-benefit$200.00$200.0011/4/2010 10:09:30 AM
Wizard2$42.90$42.9011/4/2010 10:18:38 AM
the-upbeat-p2p$50.00$50.0011/4/2010 10:18:42 AM
payout-comet$25.00$25.0011/4/2010 11:25:03 AM
wwwUniversal$25.00$25.0011/4/2010 10:28:05 AM
all_of_that_one$45.00$45.0011/4/2010 10:34:03 AM
rupee-artisan$25.00$25.0011/4/2010 10:27:44 AM
pythia$25.00$25.0011/4/2010 10:57:13 AM
kegs$150.00$117.3611/4/2010 11:07:53 AM
warew$25.00$25.0011/4/2010 11:20:43 AM
Astyanax$75.00$75.0011/4/2010 11:46:49 AM
grampy48$25.00$25.0011/4/2010 12:58:26 PM
moola-monger9$50.00$50.0011/4/2010 1:44:06 PM
195 bids
 
Borrower Payment Dependent Notes Series 482054
This series of Notes was issued and sold upon the funding of the borrower loan #45338, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-29-2010 
  Auction end date:  Nov-05-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $179.48
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $179.48
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1995 Debt/Income ratio: 42%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,753Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: dinero-flag Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to pay down some credit card debt.?

My financial situation:
I am a good candidate for this loan because?
In 7+ years of owning two homes, I have never missed a payment. I have also had almost 2 years on a car loan and have not missed a payment. I have recently received a promotion?at a?company I have been with since 12/2001.?Our credit card debt was mostly accumulated over the last years due to the unexpected birth of premature twins and then medical complications with my wife.?

Monthly net income: $
About $4000 including my wife's income.
Monthly expenses: $
??Housing: $ 1565
??Insurance: $75
??Car expenses: $518
??Utilities: $ 125
??Phone, cable, internet: $100
??Food, entertainment: $ 600
??Clothing, household expenses $0
??Credit cards and other loans: $ about 300
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radiant-loan5$200.00$200.0010/29/2010 3:02:52 PM
velocity-solo$25.00$25.0010/29/2010 3:08:38 PM
valiant-liberty4$25.00$25.0010/29/2010 3:07:12 PM
balance-handshake7$25.00$25.0010/29/2010 3:11:35 PM
SDNLR$25.00$25.0010/29/2010 3:11:49 PM
HHP$25.00$25.0010/29/2010 8:43:10 PM
forthright-dedication$25.00$25.0010/30/2010 7:21:29 AM
MM1207$25.00$25.0010/30/2010 8:09:40 AM
special-currency6$25.00$25.0010/31/2010 2:36:09 PM
suave-dime6$25.00$25.0010/31/2010 1:54:10 PM
bid-czar8$25.00$25.0011/1/2010 5:47:58 AM
platinum-celebration4$25.00$25.0011/1/2010 9:40:25 AM
washboard1$50.00$50.0011/1/2010 12:34:24 PM
cablenews$50.00$50.0011/1/2010 1:38:44 PM
108lender$48.02$48.0211/1/2010 5:37:50 PM
nickel-hickory$25.00$25.0011/2/2010 3:40:11 PM
worthy-bid4$100.00$100.0011/2/2010 3:35:13 PM
IIP77$25.00$25.0011/3/2010 6:08:37 AM
worthy-bid8$25.00$25.0011/3/2010 7:24:36 AM
profit-powerplant$50.00$50.0011/3/2010 9:45:13 AM
checzwick$25.00$25.0011/4/2010 8:38:00 AM
tearingstar$25.00$25.0011/4/2010 6:17:13 AM
reflective-cash0$50.00$50.0011/4/2010 8:33:29 AM
Speculator$100.00$100.0011/4/2010 11:20:37 AM
Finchy78$25.00$25.0011/4/2010 5:14:25 PM
platinum-cargo$53.30$53.3011/4/2010 3:55:53 PM
BDS$25.00$25.0011/4/2010 5:02:05 PM
credit-missile$25.00$25.0011/4/2010 9:45:50 PM
investment-happiness$75.00$75.0011/4/2010 10:06:53 PM
credit-missile$25.00$25.0011/4/2010 9:46:20 PM
restless-dime$26.00$26.0011/4/2010 10:02:05 PM
minnesotafinancial$25.00$25.0011/5/2010 6:34:52 AM
gshx2$25.00$25.0011/5/2010 7:20:01 AM
principal-laser$100.00$100.0011/5/2010 7:22:31 AM
goodhearted-basis4$25.00$25.0011/5/2010 9:08:18 AM
mayaronak$25.00$25.0011/5/2010 11:31:42 AM
ultimate-peace$150.00$150.0011/5/2010 10:54:42 AM
seanickson$45.00$45.0011/5/2010 12:35:23 PM
justasoldier$32.01$32.0111/5/2010 2:37:17 PM
justonejake$25.00$25.0010/29/2010 2:58:02 PM
simplelender80$200.00$200.0010/29/2010 3:06:03 PM
Artist_Blue$25.00$25.0010/30/2010 8:18:41 AM
inspiring-reward$150.00$150.0010/30/2010 6:18:42 PM
graceful-investment$25.00$25.0010/31/2010 5:23:26 PM
tech310$25.00$25.0010/31/2010 9:43:35 PM
successful-agreement7$100.00$100.0010/31/2010 9:24:22 PM
Diamond_Jim$25.00$25.0011/1/2010 10:06:19 AM
moola-wildebeest3$25.00$25.0011/1/2010 10:06:46 AM
nybanker85$25.00$25.0011/1/2010 12:34:42 PM
handshake5$100.00$100.0011/1/2010 4:34:37 PM
helping-out$25.00$25.0011/1/2010 7:20:46 PM
velocity-motivator6$25.00$25.0011/1/2010 7:08:37 PM
fund-secret-agent$25.00$25.0011/1/2010 11:09:35 PM
flwah$25.00$25.0011/2/2010 7:49:26 AM
kulender$50.00$50.0011/2/2010 6:20:48 AM
missing-link$100.00$100.0011/2/2010 2:17:39 PM
greenback-guard$25.00$25.0011/2/2010 1:23:05 PM
natural-greenback6$25.00$25.0011/2/2010 1:21:43 PM
economy-producer$25.00$25.0011/2/2010 3:39:50 PM
larrybird$150.00$150.0011/3/2010 4:03:43 PM
loss-of-control$50.00$50.0011/3/2010 6:12:36 PM
vigorous-velocity$100.00$100.0011/3/2010 8:34:16 PM
Bob450$25.00$25.0011/3/2010 10:17:46 PM
Katburg$25.00$25.0011/4/2010 6:09:59 AM
back-scratchers$25.00$25.0011/4/2010 4:30:09 AM
NoCal$30.00$30.0011/4/2010 6:17:16 AM
gain-gourd$50.00$50.0011/4/2010 9:37:35 AM
greenback-bull6$50.00$50.0011/4/2010 10:19:04 AM
Magog12$25.00$25.0011/4/2010 10:13:29 AM
PeePaw$25.00$25.0011/4/2010 3:09:44 PM
best-coin-miser$25.00$17.3411/4/2010 3:26:39 PM
MBann634$40.00$40.0011/4/2010 4:32:56 PM
ZPBSFinancialGroup$25.00$25.0011/4/2010 3:33:31 PM
ethicalhumanist$25.00$25.0011/4/2010 6:32:02 PM
bughead$25.00$25.0011/4/2010 6:55:28 PM
credit-missile$25.00$25.0011/4/2010 9:46:46 PM
awesome-silver$100.00$100.0011/4/2010 11:06:06 PM
credit-missile$25.00$25.0011/4/2010 9:49:43 PM
AlexTrep$25.00$25.0011/5/2010 2:34:56 AM
Whipster$25.00$25.0011/5/2010 5:42:45 AM
honey-money$25.00$25.0011/5/2010 5:04:18 AM
RyanM561$25.00$25.0011/5/2010 7:49:09 AM
Ven58$25.00$25.0011/5/2010 8:06:36 AM
grampy48$25.00$25.0011/5/2010 8:19:21 AM
ZOOOM$25.00$25.0011/5/2010 7:04:36 AM
wlm3012$25.00$25.0011/5/2010 9:04:07 AM
favorite-commerce$25.00$25.0011/5/2010 8:13:21 AM
Leopoldine$25.00$25.0011/5/2010 11:58:41 AM
Leshan$33.33$33.3311/5/2010 10:27:38 AM
B2152$25.00$25.0011/5/2010 12:18:16 PM
Bikerider$50.00$50.0011/5/2010 12:28:09 PM
Makingitrain$25.00$25.0011/5/2010 2:42:14 PM
92 bids
 
Borrower Payment Dependent Notes Series 482312
This series of Notes was issued and sold upon the funding of the borrower loan #45354, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Nov-01-2010 
  Auction end date:  Nov-05-2010 
 
Starting lender yield: 27.25% Starting borrower rate/APR: 28.25% / 31.82% Starting monthly payment: $166.00
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $160.63
 
Auction yield range: 10.71% - 27.25% 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): 6 First credit line: May-1990 Debt/Income ratio: 16%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 57 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $71Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: jolie43 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 19 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
2nd time listing -$$ dental surgery
This is my 2nd time listing this loan. I've reduced the amount requested and increased the interest rate.

This money is to pay for my son's dental surgery which he really needs.

I am a good candidate for this loan because you are certain to get a good return on your investment. I have a good record of paying off my loans. The delinquencies listed in my profile are all for student loans and occurred several years ago when I had to take time off to care for my husband when he was ill.

I've practiced law for 14 years and have spent the last 9 years building a small successful practice devoted to working with families in crisis and kids in foster care. I also own my own home but I'm not sure why my profile says otherwise.

I successfully paid off my last Prosper loan ahead of schedule. I have also lost money on loans I invested in on Prosper. I know what that feels like and I'll see to it that those who invest in me will never know that feeling. Thanks.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Artist_Blue$25.00$25.0011/1/2010 3:40:44 PM
velocity-solo$25.00$25.0011/1/2010 3:42:18 PM
simplelender80$200.00$200.0011/1/2010 3:29:57 PM
tech310$25.00$25.0011/1/2010 4:34:13 PM
bid-czar8$50.00$50.0011/1/2010 5:29:02 PM
Milonguero$100.00$100.0011/1/2010 7:08:13 PM
SolarMoonshine$500.00$500.0011/2/2010 4:16:40 AM
kulender$50.00$50.0011/2/2010 6:21:30 AM
DasMula$25.00$25.0011/2/2010 7:46:41 AM
reflective-rupee$444.00$444.0011/2/2010 9:54:39 AM
balance-handshake7$25.00$25.0011/2/2010 12:55:01 PM
forthright-dedication$50.00$50.0011/2/2010 2:59:28 PM
missing-link$100.00$100.0011/2/2010 2:18:17 PM
Chesterite$25.00$25.0011/2/2010 2:00:11 PM
trade-goblin9$25.00$25.0011/2/2010 2:41:50 PM
special-currency6$50.00$50.0011/2/2010 3:00:38 PM
graceful-investment$100.00$100.0011/2/2010 3:35:24 PM
suave-dime6$25.00$25.0011/2/2010 3:37:08 PM
mikeandcat$50.00$50.0011/3/2010 1:37:32 PM
CPAecs$25.00$25.0011/3/2010 7:05:12 PM
wlm3012$25.00$25.0011/3/2010 6:17:45 PM
Reliance_Banker$25.00$25.0011/3/2010 7:45:50 PM
thatguyoverseas$32.32$32.3211/4/2010 1:37:16 AM
outofoffice$75.00$75.0011/4/2010 10:18:00 AM
integrity-doctor$100.00$100.0011/4/2010 4:16:05 PM
Bob450$25.00$25.0011/4/2010 9:10:04 PM
Ubiquinone$50.00$50.0011/5/2010 12:06:46 AM
twjh$25.00$25.0011/5/2010 2:14:32 AM
ready-interest9$32.69$32.6911/1/2010 3:31:00 PM
radiant-loan5$200.00$200.0011/1/2010 3:22:50 PM
platinum-celebration4$25.00$25.0011/1/2010 3:41:29 PM
valiant-liberty4$25.00$25.0011/1/2010 3:42:34 PM
lucrative-loan$50.00$50.0011/1/2010 4:10:58 PM
top-courteous-peso$50.00$50.0011/1/2010 3:36:02 PM
dollardave$50.00$50.0011/1/2010 4:40:01 PM
yield-lion2$25.00$25.0011/1/2010 4:19:40 PM
penny-plato$25.00$25.0011/1/2010 5:24:56 PM
NekHoldings$25.00$25.0011/2/2010 6:53:47 AM
nybanker85$50.00$50.0011/2/2010 2:22:59 AM
DasMula$25.00$25.0011/2/2010 7:46:22 AM
loanman2007$250.00$250.0011/2/2010 5:03:22 AM
macgeek$25.00$25.0011/2/2010 8:56:47 AM
glroark$100.00$100.0011/2/2010 10:19:13 AM
EBITDA$25.00$25.0011/2/2010 1:21:48 PM
parsec9$25.00$25.0011/2/2010 1:49:00 PM
economy-popcorn$25.00$25.0011/2/2010 2:16:27 PM
inspiring-reward$100.00$100.0011/2/2010 3:01:15 PM
mamasbeachhouse$30.00$30.0011/2/2010 5:17:39 PM
108lender$25.00$25.0011/3/2010 12:22:30 AM
The-Lighthouse-Group$25.00$25.0011/3/2010 6:15:18 AM
Haribelle$25.00$25.0011/3/2010 7:59:55 AM
scoobiedoo$50.00$50.0011/3/2010 9:46:31 AM
hopethisworks$25.00$23.0611/3/2010 10:08:43 AM
interloode$150.00$150.0011/3/2010 1:43:41 PM
zdaddy3$25.00$25.0011/3/2010 3:36:30 PM
chato2345$37.93$37.9311/3/2010 7:17:35 PM
profit-powerplant$50.00$50.0011/4/2010 3:11:42 PM
honey-money$25.00$25.0011/4/2010 8:57:45 PM
ChoiceInvestments$25.00$25.0011/5/2010 1:19:29 AM
hookUup$100.00$100.0011/4/2010 9:53:23 PM
60 bids
 
Borrower Payment Dependent Notes Series 482550
This series of Notes was issued and sold upon the funding of the borrower loan #45336, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-03-2010 
  Auction end date:  Nov-10-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 24.41% Final monthly payment: $188.38
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.09%  
Lender servicing fee: 1.00% Estimated return: 4.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-2006 Debt/Income ratio: 18%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 20 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,503Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: ITNERD 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 / 3 On-time: 73 ( 100% ) 680-699 (Latest)
Principal borrowed: $12,550.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2009)
600-619 (Jan-2008)
580-599 (Mar-2007)
580-599 (Nov-2006)
 
Principal balance: $3,590.08 31+ days late: 0 ( 0% )
Total payments billed: 73  
Description
Consolidating my credit cards
Purpose of loan:
This loan will be used to consolidate my credit cards.

My financial situation:
I am a good candidate for this loan because i have fully paid 2 previous loans of the a much greater amount, ahead of schedule and I have never been late making payments.? Please see my track record.?

I have an average annual gross income of $115,000.00(bonus of $15,000 included).? I am a Senior Computer Systems designer for a Market leading Computer company.? I have a PhD in Computer Science and have been in the I.T. industry for the past 20 years as well.? I can meet this obligation without an issue.

Monthly net income: $ 6500(Net of taxes/retirement/medical)

Monthly expenses: $ 4400
??Housing: $2650
??Insurance: $ 50
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 0 (company paid)
??Food, entertainment: $ 500
??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: You presenting have a loan with me and you've been faithful with payments. I'll gladly help you again. - Eaglehigh
A: I really appreciate all your help and support through the years. You are a indeed good person. God bless. (Nov-04-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Aberdeen$999.99$999.9911/3/2010 5:01:40 PM
clemclan$25.00$25.0011/3/2010 8:59:09 PM
loanman2007$250.00$250.0011/4/2010 5:07:57 AM
foothillender$25.00$25.0011/4/2010 6:48:56 AM
Socorro_Capital_Partners$25.00$25.0011/4/2010 9:23:12 PM
neptuno$289.38$289.3811/8/2010 6:50:50 PM
OldManP$74.72$74.7211/9/2010 7:24:15 AM
LKCGICG$50.00$50.0011/9/2010 3:12:56 PM
Feyenoord$25.00$25.0011/9/2010 4:15:13 PM
bughead$25.00$25.0011/9/2010 5:59:02 PM
MoneyTree79$100.00$100.0011/9/2010 5:50:45 PM
credit-missile$25.00$25.0011/10/2010 7:41:18 AM
Mr-Miracle$25.00$25.0011/10/2010 8:05:45 AM
mikeandcat$100.00$100.0011/10/2010 9:04:35 AM
Soulphoniks-Holdings$25.00$25.0011/10/2010 9:08:07 AM
farchoir$25.00$25.0011/10/2010 9:14:27 AM
FinanceEngine$35.00$35.0011/10/2010 9:28:46 AM
friendinmoney$25.00$25.0011/10/2010 10:38:15 AM
Astyanax$112.48$112.4811/10/2010 10:31:16 AM
felicity-daydream$56.00$56.0011/10/2010 7:27:37 AM
FutureLenderEC$36.82$36.8211/10/2010 11:12:39 AM
worth-excellence4$25.00$25.0011/10/2010 12:23:14 PM
Catz_aplenty$28.00$28.0011/10/2010 1:05:29 PM
wwwUniversal$25.00$25.0011/10/2010 2:02:40 PM
Moe87$50.00$50.0011/10/2010 2:07:59 PM
asset-fanatic$25.00$25.0011/10/2010 2:14:18 PM
gothampark$25.00$25.0011/10/2010 12:20:37 PM
ZPBSFinancialGroup$25.00$25.0011/10/2010 12:28:33 PM
rutzebach$95.20$95.2011/10/2010 12:51:27 PM
Chesterite$50.00$50.0011/10/2010 1:46:53 PM
1stBankAndHal$75.10$45.9211/3/2010 5:06:51 PM
SolarMoonshine$500.00$500.0011/3/2010 5:01:06 PM
golffish2$100.00$100.0011/5/2010 4:26:29 AM
investment-artist$50.00$50.0011/5/2010 9:52:12 AM
golffish2$100.00$100.0011/5/2010 11:30:50 AM
golffish2$300.00$300.0011/8/2010 5:19:25 AM
ORcowboy$75.00$75.0011/8/2010 7:30:41 AM
burnfromwithin$25.00$25.0011/8/2010 4:29:42 PM
jhouman$25.00$25.0011/8/2010 4:27:55 PM
ddamenace$30.00$30.0011/8/2010 6:55:50 PM
wildanne$125.00$125.0011/9/2010 6:39:21 AM
RebuildingAmerica$30.23$30.2311/9/2010 7:27:50 PM
Roundhouse$100.00$100.0011/9/2010 8:48:47 PM
ralf206$37.41$37.4111/9/2010 5:26:40 PM
credit-missile$25.00$25.0011/10/2010 7:28:16 AM
credit-missile$25.00$25.0011/10/2010 7:23:26 AM
credit-missile$25.00$25.0011/10/2010 7:40:50 AM
benefit-javelin$60.00$60.0011/10/2010 9:47:14 AM
atlas100$125.00$125.0011/10/2010 10:09:20 AM
soulblest$50.00$50.0011/10/2010 7:15:25 AM
Eaglehigh$25.00$25.0011/10/2010 11:13:12 AM
economy-popcorn$25.00$25.0011/10/2010 11:23:29 AM
FutureLenderEC$61.82$61.8211/10/2010 11:14:06 AM
mrreynol$50.00$50.0011/10/2010 12:03:33 PM
ScottCapital$25.00$25.0011/10/2010 11:26:40 AM
icon7$50.00$50.0011/10/2010 11:55:11 AM
corporatejim$32.03$32.0311/10/2010 1:32:48 PM
moola-monger9$50.00$50.0011/10/2010 2:02:52 PM
Nazbuster$100.00$100.0011/10/2010 11:00:51 AM
DackoDenk$25.00$25.0011/10/2010 12:36:46 PM
60 bids
 
Borrower Payment Dependent Notes Series 482580
This series of Notes was issued and sold upon the funding of the borrower loan #45310, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-03-2010 
  Auction end date:  Nov-09-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $276.93
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $276.93
 
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: Mar-1994 Debt/Income ratio: 31%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 22 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,734Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: repayment-harmonica Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
purpose of this is? loan is to pay? all my bills ahve one monthly payment. the reason it didnt get funded first i didnt get my documents to them in time so now im retrying and hve my documents hopefully ready for them.

My financial situation:? i always say if u borrow something always pay it back or take it back.
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)
williemc44$50.00$50.0011/3/2010 2:32:22 PM
indomitable-coin$50.00$50.0011/3/2010 2:35:35 PM
skuba$25.00$25.0011/3/2010 2:37:56 PM
MM1207$25.00$25.0011/3/2010 2:40:10 PM
balanced-bill7$50.00$50.0011/3/2010 2:34:17 PM
larrybird$150.00$150.0011/3/2010 2:35:37 PM
handshake5$100.00$100.0011/3/2010 2:38:10 PM
missing-link$50.00$50.0011/3/2010 2:43:02 PM
organized-payment6$25.00$25.0011/3/2010 2:38:37 PM
Interstate_Rate$50.00$50.0011/3/2010 2:40:43 PM
velocity-solo$25.00$25.0011/3/2010 2:41:34 PM
tech310$50.00$50.0011/3/2010 2:40:31 PM
investment-comet$25.00$25.0011/3/2010 2:43:34 PM
mjunlimited$50.00$50.0011/3/2010 2:44:18 PM
BxRealtor$25.00$25.0011/3/2010 2:43:08 PM
flwah$25.00$25.0011/3/2010 3:01:57 PM
rescue$100.00$100.0011/3/2010 3:57:13 PM
melodious-fairness$25.00$25.0011/3/2010 3:57:26 PM
sign_here$25.00$25.0011/3/2010 5:55:52 PM
nunnie$25.00$25.0011/3/2010 6:12:24 PM
a-consummate-camaraderi$50.00$50.0011/3/2010 5:32:20 PM
kmr2$200.00$200.0011/3/2010 6:28:25 PM
JustMee$25.00$25.0011/3/2010 6:59:54 PM
trustworthy-fairness$50.00$50.0011/4/2010 6:10:23 AM
Occhy$25.00$25.0011/4/2010 7:44:03 AM
blissful-exchange4$25.00$25.0011/4/2010 7:58:23 AM
inspiring-reward$75.00$75.0011/4/2010 10:34:22 AM
mla$25.00$25.0011/4/2010 11:54:18 AM
flopcat$25.00$25.0011/4/2010 2:15:24 PM
gain-gourd$60.56$60.5611/4/2010 3:29:55 PM
systematic-dollar9$25.00$25.0011/4/2010 3:48:31 PM
Sam65$25.00$25.0011/4/2010 4:38:39 PM
rhodylend$25.00$25.0011/4/2010 5:16:47 PM
helpishere777$25.00$25.0011/4/2010 5:54:06 PM
Rick21$50.00$50.0011/4/2010 10:18:36 PM
a-finance-nirvana$25.00$25.0011/5/2010 2:34:29 AM
kulender$50.00$50.0011/5/2010 5:03:56 AM
friendly-worth3$35.00$35.0011/5/2010 7:27:25 AM
finance_mba$25.00$25.0011/5/2010 1:33:16 PM
successful-agreement7$100.00$100.0011/5/2010 3:28:38 PM
doncm$50.00$50.0011/5/2010 6:50:50 PM
ijspence$25.00$25.0011/6/2010 7:00:58 AM
Rivervale_Westwood$25.00$25.0011/6/2010 8:36:09 AM
minddoc$25.00$25.0011/6/2010 3:21:12 AM
LiveNow$25.00$25.0011/6/2010 6:07:01 AM
honorable-yield$35.00$35.0011/6/2010 6:46:44 AM
Gabriel02$25.00$25.0011/6/2010 7:50:56 AM
crenen139$25.00$25.0011/6/2010 12:54:12 PM
brazilofmux$30.23$30.2311/6/2010 9:51:46 AM
banker65010$25.00$25.0011/6/2010 2:16:43 PM
ManhattanLender$25.00$25.0011/6/2010 11:30:08 AM
studious-bonus7$100.00$100.0011/6/2010 1:35:38 PM
orgy63$25.00$25.0011/7/2010 2:36:15 PM
Kyne$66.00$66.0011/7/2010 9:36:21 AM
hitsman$100.00$100.0011/7/2010 10:33:25 AM
PatRichi$25.00$25.0011/7/2010 2:33:05 PM
love-interest$25.00$25.0011/7/2010 12:30:25 PM
irrelevant$25.00$25.0011/7/2010 1:17:20 PM
maldok1$25.00$25.0011/7/2010 1:18:55 PM
vibraphone3$50.00$50.0011/7/2010 1:19:04 PM
credit-bliss8$25.00$25.0011/7/2010 1:20:20 PM
comet55$25.00$25.0011/7/2010 6:55:34 PM
alpinaut$25.00$25.0011/7/2010 8:32:18 PM
Sol_Invictus$25.00$25.0011/7/2010 4:02:00 PM
bowdish1$50.00$50.0011/7/2010 5:14:37 PM
KHU2-B$25.00$25.0011/8/2010 3:13:07 AM
listing-meridian$25.00$25.0011/7/2010 11:38:06 PM
compassion-burrito$25.00$25.0011/8/2010 8:40:28 AM
ptjg$50.00$50.0011/8/2010 3:34:25 AM
Dazz2061$25.00$25.0011/8/2010 4:17:00 AM
marketplace-cello5$50.00$50.0011/8/2010 8:56:54 AM
loyalist1$100.00$100.0011/8/2010 8:25:20 AM
subtle-revenue0$25.00$25.0011/8/2010 8:57:01 AM
radiant-return$25.00$25.0011/8/2010 9:08:48 AM
fadeddingo$50.00$50.0011/8/2010 9:54:21 AM
iflyforfun$25.00$25.0011/8/2010 11:06:50 AM
mindful-exchange2$25.00$25.0011/8/2010 9:45:16 AM
chinolatino$50.00$50.0011/8/2010 11:54:05 AM
VBAces$50.00$50.0011/8/2010 9:54:15 AM
shrewd-income$50.00$50.0011/8/2010 1:03:32 PM
ttnk62918$25.00$25.0011/8/2010 10:32:54 AM
Cheburashka$25.00$25.0011/8/2010 12:47:15 PM
pythia$25.00$25.0011/8/2010 3:40:03 PM
gold-disk$50.00$50.0011/8/2010 3:54:04 PM
jtradition$31.46$31.4611/8/2010 4:22:30 PM
anders94$25.00$25.0011/8/2010 4:17:56 PM
lostontheedge$25.00$25.0011/8/2010 4:05:23 PM
godfather4u$28.49$28.4911/8/2010 4:26:36 PM
pokey38650$25.00$25.0011/8/2010 4:30:44 PM
Montgomery-Burns$25.00$25.0011/8/2010 6:29:32 PM
hope-hickory$25.00$25.0011/8/2010 5:04:45 PM
thebadpelican$25.00$21.1311/8/2010 9:18:23 PM
wkeboarder21$50.00$50.0011/9/2010 4:04:44 AM
icchok$50.00$50.0011/3/2010 2:34:01 PM
ichibon$150.00$150.0011/3/2010 2:34:26 PM
ray1051$25.00$25.0011/3/2010 2:37:05 PM
GElender$50.00$50.0011/3/2010 2:31:20 PM
enthralling-deal180$50.00$50.0011/3/2010 2:38:31 PM
Weaverville$50.00$50.0011/3/2010 2:33:14 PM
riproaringrapids$25.00$25.0011/3/2010 2:32:47 PM
inspired-investment8$50.00$50.0011/3/2010 2:34:44 PM
natural-affluence4$25.00$25.0011/3/2010 2:37:17 PM
jdwillcox$100.00$100.0011/3/2010 2:38:27 PM
nickel-ferret$50.00$50.0011/3/2010 2:38:43 PM
selector568$300.00$300.0011/3/2010 2:36:57 PM
bentheretoo$125.00$125.0011/3/2010 2:43:16 PM
bold-durability-drum$50.00$50.0011/3/2010 2:37:10 PM
loyalty-sherpa$50.00$50.0011/3/2010 2:38:53 PM
GCInvestments$25.00$25.0011/3/2010 2:38:18 PM
narblark$50.00$50.0011/3/2010 2:38:59 PM
simplelender80$100.00$100.0011/3/2010 2:39:58 PM
Artist_Blue$25.00$25.0011/3/2010 2:40:53 PM
generous-deal6$50.00$50.0011/3/2010 3:46:31 PM
reflective-rupee$44.00$44.0011/3/2010 3:41:30 PM
teller$50.00$50.0011/3/2010 3:56:32 PM
108lender$94.23$94.2311/3/2010 3:51:30 PM
graceful-investment$50.53$50.5311/3/2010 3:52:07 PM
danthemon35$25.00$25.0011/3/2010 4:05:40 PM
the-profit-oracle$25.00$25.0011/3/2010 4:23:38 PM
vigorous-velocity$100.00$100.0011/3/2010 8:28:27 PM
objective-investor$150.00$150.0011/4/2010 3:44:55 AM
SummaCapital$37.74$37.7411/4/2010 11:07:26 AM
kegs$150.00$150.0011/4/2010 11:07:46 AM
chlebie$39.63$39.6311/4/2010 11:54:22 AM
jazzlender$50.00$50.0011/4/2010 11:56:12 AM
rapid-credit428$25.00$25.0011/4/2010 11:54:41 AM
cello1$25.00$25.0011/4/2010 2:15:32 PM
superb-funds335$25.00$25.0011/4/2010 7:57:05 PM
mpactlender$25.00$25.0011/5/2010 7:04:46 AM
money-bauble$100.00$100.0011/5/2010 7:19:34 AM
sumac5$100.00$100.0011/5/2010 1:04:58 PM
Vennela$50.00$50.0011/5/2010 3:19:42 PM
Goat$50.00$50.0011/5/2010 4:18:25 PM
Aristocrat$25.00$25.0011/5/2010 6:52:32 PM
HedgeFund$50.00$50.0011/5/2010 10:10:14 PM
bid-czar8$50.00$50.0011/6/2010 3:41:57 AM
neutrino6$25.00$25.0011/5/2010 10:43:29 PM
tntmojave$25.00$25.0011/6/2010 6:30:46 AM
brienc$50.00$50.0011/6/2010 9:26:51 AM
Swabjockey$25.00$25.0011/6/2010 6:46:13 AM
leverage-symphony$50.00$50.0011/6/2010 4:53:16 PM
bambampk$25.00$25.0011/6/2010 8:48:56 PM
platinum-sorcerer6$25.00$25.0011/6/2010 6:35:54 PM
efficient-treasure0$25.00$25.0011/7/2010 1:10:13 PM
circustab$50.00$50.0011/6/2010 9:47:56 PM
ericgassercom$50.00$50.0011/7/2010 10:41:52 AM
wampum-chorus3$25.00$25.0011/7/2010 6:57:36 PM
rjleves$50.00$50.0011/7/2010 7:24:34 PM
orange-dollar-guild$25.00$25.0011/7/2010 7:53:08 PM
Katburg$50.00$50.0011/8/2010 6:15:12 AM
radforj22$25.00$25.0011/8/2010 7:04:13 AM
ISHLEP67$50.00$50.0011/8/2010 7:36:43 AM
julijask$35.00$35.0011/8/2010 8:57:06 AM
dspmn$27.00$27.0011/8/2010 8:57:30 AM
dollardave$100.00$100.0011/8/2010 9:06:34 AM
ArtemisFitzlebottom$50.00$50.0011/8/2010 6:28:17 AM
point-kitten6$50.00$50.0011/8/2010 8:56:26 AM
fairness-kayak$25.00$25.0011/8/2010 9:54:06 AM
UncleSteve3000$26.00$26.0011/8/2010 10:55:13 AM
CAGE-Investments$25.00$25.0011/8/2010 10:08:24 AM
upright-silver$25.00$25.0011/8/2010 12:55:10 PM
debt-fuse158$29.00$29.0011/8/2010 2:09:10 PM
melodious-fairness$50.00$50.0011/8/2010 3:09:55 PM
the-money-position$50.00$50.0011/8/2010 4:22:33 PM
cybernosha$50.00$50.0011/8/2010 4:23:58 PM
IIP77$25.00$25.0011/8/2010 4:09:59 PM
ti22ring$25.00$25.0011/8/2010 4:15:49 PM
honey-money$25.00$25.0011/8/2010 5:10:58 PM
realtywiz49$25.00$25.0011/8/2010 4:25:09 PM
orange-statuesque-dime$50.00$50.0011/8/2010 6:14:08 PM
the-debt-fluffy-bunny$25.00$25.0011/8/2010 5:54:47 PM
JKEnterprises$25.00$25.0011/8/2010 6:22:31 PM
upperdeck$25.00$25.0011/9/2010 4:53:29 AM
BSr$25.00$25.0011/9/2010 5:03:59 AM
grampy48$30.00$30.0011/9/2010 7:45:56 AM
Kessler$29.00$29.0011/9/2010 9:56:54 AM
heroic-payout9$25.00$25.0011/9/2010 8:23:35 AM
roi-advantage$25.00$25.0011/9/2010 8:27:19 AM
178 bids
 
Borrower Payment Dependent Notes Series 482648
This series of Notes was issued and sold upon the funding of the borrower loan #45369, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-03-2010 
  Auction end date:  Nov-10-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $67.85
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,257Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: worthy-principal345 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
My loan for home improvement.
Purpose of loan:
Roof needs complete overall.

My financial situation: In a tight spot now but can pay off the loan in a timely matter.


Monthly net income: $ 2000

Monthly expenses: $ 500
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $50
??Clothing, household expenses $ 0
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
velocity-solo$25.00$25.0011/3/2010 2:39:44 PM
valiant-liberty4$25.00$25.0011/3/2010 2:43:28 PM
indomitable-dedication$25.00$25.0011/3/2010 5:32:27 PM
inspiring-reward$150.00$150.0011/4/2010 6:17:21 AM
special-currency6$25.00$25.0011/4/2010 10:00:58 AM
helping-out$38.83$38.8311/4/2010 10:34:32 AM
BankofBen$25.00$25.0011/5/2010 3:19:09 AM
graceful-investment$25.11$25.1111/8/2010 7:15:18 AM
gelidfrank$25.00$25.0011/8/2010 6:51:14 AM
flwah$25.00$25.0011/8/2010 12:46:42 PM
honorable-yield$25.00$25.0011/8/2010 4:29:26 PM
banker65010$25.00$25.0011/9/2010 3:41:29 PM
famous-bill$25.00$25.0011/9/2010 4:33:14 PM
larrybird$59.99$59.9911/9/2010 4:58:36 PM
TakeCare$50.00$50.0011/9/2010 3:40:15 PM
abundant-credit6$25.00$25.0011/9/2010 5:14:08 PM
rubylender$25.00$25.0011/9/2010 5:50:50 PM
mike2246s$37.13$37.1311/10/2010 7:37:34 AM
gold-channel2$35.72$35.7211/10/2010 7:38:30 AM
lucrative-transparency0$25.00$25.0011/10/2010 9:34:51 AM
108lender$27.60$27.6011/10/2010 9:38:47 AM
droopie1$25.00$25.0011/10/2010 10:55:32 AM
gallant-economy9$100.00$75.6211/10/2010 2:04:56 PM
Artist_Blue$25.00$25.0011/3/2010 2:40:59 PM
agiovasil$25.00$25.0011/3/2010 2:42:32 PM
forthright-dedication$25.00$25.0011/4/2010 10:02:08 AM
Comoparklender$25.00$25.0011/5/2010 3:36:02 PM
money-bauble$100.00$100.0011/7/2010 8:41:18 AM
tech310$25.00$25.0011/8/2010 1:20:51 PM
orangetrust$50.00$50.0011/8/2010 4:29:41 PM
green-capital-hornet$25.00$25.0011/8/2010 4:24:22 PM
dedicated-transaction796$50.00$50.0011/9/2010 9:43:16 AM
villagers$25.00$25.0011/9/2010 9:47:18 AM
doncm$50.00$50.0011/9/2010 2:53:03 PM
visionary-currency$50.00$50.0011/9/2010 3:40:52 PM
Land_on_your_feet$25.00$25.0011/9/2010 7:24:08 PM
green-friendly-bill$100.00$100.0011/10/2010 8:35:43 AM
worthy-bid8$25.00$25.0011/10/2010 7:58:15 AM
sundaisybabie$25.00$25.0011/10/2010 12:27:03 PM
39 bids
 
Borrower Payment Dependent Notes Series 482748
This series of Notes was issued and sold upon the funding of the borrower loan #45351, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Nov-04-2010 
  Auction end date:  Nov-10-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $200.79
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $200.79
 
Auction yield range: 10.57% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2004 Debt/Income ratio: 18%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 10 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,262Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: Sambi23 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: 27 ( 93% ) 620-639 (Latest)
Principal borrowed: $1,500.00< 31 days late: 2 ( 7% )  
540-559 (May-2008)
 
Principal balance: $4.33 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Wedding plans
Purpose of loan:
This loan will be used to make some payments towards our wedding which was fully budgeted for but due to some unforeseen?events we have had to spend $5000.00 of our?budgeted funds.

My financial situation:
I am a good candidate for this loan because I have a good credit history?and I am fortunate enough to be employed full time?by a very reputable employer.???


Monthly net income: $35,000

Monthly expenses: $
??Housing: $850.00
??Insurance: $100.00
??Car expenses: $325.00?
??Utilities: $80.00
??Phone, cable, internet: $ 100
??Food, entertainment: $ 225.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $100.00
??Other expenses: $ 75.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Who is your current employer and where will your wife be employed? All the Best. Thanks. - RecoveryLender
A: I am currently employed by CBS Studios Accounting Dept. & my soon to be wife works for a Foreclosure Prevention Counseling Dept. (Nov-10-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
missing-link$100.00$100.0011/4/2010 2:44:27 PM
platinum-celebration4$25.00$25.0011/4/2010 2:48:55 PM
Comoparklender$25.00$25.0011/4/2010 7:41:14 PM
kulender$47.81$47.8111/4/2010 7:10:50 PM
atlas100$25.00$25.0011/5/2010 8:16:45 AM
blue-useful-auction$25.00$25.0011/5/2010 8:53:11 AM
bountiful-durability$50.00$50.0011/5/2010 11:01:10 AM
inspiring-reward$100.00$100.0011/5/2010 3:39:29 PM
lucrative-loan$50.00$50.0011/6/2010 1:45:05 PM
RedCentre$250.00$250.0011/7/2010 7:33:27 AM
money-bauble$25.00$25.0011/7/2010 8:39:56 AM
frogperson$150.00$150.0011/6/2010 8:52:50 PM
SolarMoonshine$25.00$25.0011/7/2010 12:29:03 PM
yield-lion2$25.00$25.0011/7/2010 5:14:58 PM
108lender$29.36$29.3611/7/2010 5:25:04 PM
kendigme$25.00$25.0011/8/2010 3:17:04 AM
investment-artist$25.00$25.0011/8/2010 9:16:58 AM
LiveNow$25.00$25.0011/8/2010 9:39:22 AM
personal-lender$25.00$25.0011/8/2010 5:06:05 PM
mercuriant$25.00$25.0011/9/2010 2:45:45 AM
kendigme$25.00$25.0011/9/2010 4:59:53 AM
bboy21385$25.96$25.9611/9/2010 7:33:47 AM
sd-movie-fanatic$25.00$25.0011/9/2010 9:39:39 AM
finance-mushroom$100.00$100.0011/9/2010 9:40:32 AM
handshake5$100.00$100.0011/9/2010 3:40:33 PM
greenback-bull6$50.00$50.0011/9/2010 5:37:22 PM
supersarah61$25.00$25.0011/9/2010 5:37:34 PM
honorable-yield$25.00$25.0011/9/2010 7:02:04 PM
scottharr27$25.08$25.0811/9/2010 7:33:12 PM
rustysailor$25.00$25.0011/9/2010 8:34:44 PM
ah-long$25.00$25.0011/9/2010 9:37:33 PM
dollar-sonnet3$50.00$50.0011/10/2010 8:03:23 AM
hellasow$25.00$25.0011/10/2010 10:59:27 AM
joerock$300.00$300.0011/10/2010 11:41:23 AM
Pu239$50.00$50.0011/10/2010 2:32:55 PM
diversification-balancer870$50.00$50.0011/10/2010 1:44:56 PM
Moe87$25.00$25.0011/10/2010 3:04:28 PM
simplelender80$200.00$200.0011/4/2010 2:46:11 PM
bid-czar8$25.00$25.0011/4/2010 2:47:59 PM
radiant-loan5$200.00$200.0011/4/2010 2:45:25 PM
reflective-rupee$222.00$222.0011/4/2010 3:04:29 PM
velocity-solo$25.00$25.0011/4/2010 2:47:44 PM
Trakissta$150.00$150.0011/4/2010 7:22:35 PM
moola-wildebeest3$25.00$25.0011/5/2010 4:18:27 AM
Artist_Blue$25.00$25.0011/5/2010 6:08:26 AM
valiant-liberty4$25.00$25.0011/5/2010 7:44:50 AM
economy-popcorn$25.00$25.0011/5/2010 2:19:02 PM
fabulous-community4$25.00$25.0011/7/2010 8:23:01 AM
graceful-investment$47.02$47.0211/7/2010 5:13:28 PM
FeedTheMachine$100.00$100.0011/8/2010 10:21:12 AM
suave-dime6$25.00$25.0011/8/2010 8:11:58 AM
loanman2007$100.00$100.0011/8/2010 1:33:39 PM
nickel-hickory$25.00$25.0011/8/2010 2:10:54 PM
commerce-web5$50.00$50.0011/8/2010 8:51:06 PM
orderly-leverage$100.00$100.0011/8/2010 10:20:09 PM
jigsaw$50.00$50.0011/9/2010 4:53:45 AM
maple1$44.12$44.1211/9/2010 6:08:01 AM
consummate-loyalty1$50.00$50.0011/9/2010 6:15:55 AM
dthompso$50.00$50.0011/9/2010 8:54:32 AM
musegaze$100.00$100.0011/9/2010 9:09:20 AM
top-historic-peso$25.00$25.0011/9/2010 9:59:46 AM
dedicated-transaction796$50.00$50.0011/9/2010 9:43:36 AM
6moonbeams$50.00$50.0011/9/2010 10:28:47 AM
asset-yoga6$25.00$25.0011/9/2010 11:23:07 AM
natural-greenback6$25.00$25.0011/9/2010 3:39:50 PM
well-mannered-income3$50.00$50.0011/9/2010 3:57:09 PM
incbx$50.00$50.0011/9/2010 3:48:11 PM
worthy-bid8$25.00$25.0011/9/2010 3:38:12 PM
money-fort$30.00$30.0011/9/2010 6:05:02 PM
abundant-credit6$25.00$25.0011/9/2010 5:20:06 PM
Roundhouse$100.00$100.0011/9/2010 9:00:25 PM
kendigme$25.00$25.0011/10/2010 2:19:56 AM
econgineer$29.33$29.3311/9/2010 7:40:14 PM
delivery$25.00$25.0011/10/2010 7:23:21 AM
benjo$50.00$50.0011/10/2010 8:03:38 AM
Requiem$26.39$26.3911/10/2010 9:53:59 AM
Moneypenny6$25.00$25.0011/10/2010 6:59:56 AM
hellasow$25.00$25.0011/10/2010 10:58:25 AM
sweetlan$25.00$25.0011/10/2010 10:59:11 AM
TCayce$25.00$25.0011/10/2010 2:04:26 PM
Chesterite$25.00$25.0011/10/2010 2:00:39 PM
radiant-return$50.00$50.0011/10/2010 2:26:07 PM
twjh$25.00$25.0011/10/2010 11:46:11 AM
FutureLenderEC$25.44$25.4411/10/2010 12:47:09 PM
brondero$75.00$75.0011/10/2010 1:33:51 PM
gallant-economy9$550.00$222.4911/10/2010 2:06:17 PM
jhouman$25.00$25.0011/10/2010 2:30:51 PM
profit-powerplant$50.00$50.0011/10/2010 2:31:18 PM
hookUup$50.00$50.0011/10/2010 2:56:50 PM
taetrade$25.00$25.0011/10/2010 3:09:34 PM
90 bids
 
Borrower Payment Dependent Notes Series 482802
This series of Notes was issued and sold upon the funding of the borrower loan #45320, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 12 months Estimated loss: 1.30% Auction start date:  Nov-04-2010 
  Auction end date:  Nov-11-2010 
 
Starting lender yield: 3.00% Starting borrower rate/APR: 4.00% / 4.94% Starting monthly payment: $85.15
Final lender yield: 3.00% Final borrower rate/APR: 4.00% / 4.94% Final monthly payment: $85.15
 
Auction yield range: 1.97% - 3.00% Estimated loss impact: 1.29%  
Lender servicing fee: 1.00% Estimated return: 1.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-1994 Debt/Income ratio: 4%
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 10 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,263Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: no-whammies Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 6 ( 100% ) 800-819 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
780-799 (Apr-2010)
780-799 (Feb-2010)
780-799 (Dec-2009)
780-799 (Oct-2009)
 
Principal balance: $2,119.05 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Looking for lower rates
Purpose of loan:
This loan will be used to cover miscellaneous?wedding expenses; DJ, officiant, and photographer.? It took a lot of haggling, but this loan will cover all three, plus leave a few dollars for petty cash.

My financial situation:
I am a good candidate for this loan because I have better than 800 credit score, never late, no delinquencies, no public records, highest prosper score possible, 16 years of credit history, bankcard utilization of less than 10%;?and add to all that, I have a specific plan for getting out of debt.? My only real debt is a mortgage, and that is currently at 36% loan to value.
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: Unfortunately I don't think your loan will be funded at only 3% interest. If you're willing to try again at 5% I would be willing to fund a very large portion of it. I'm particularly interested in funding one year loans for borrowers like you. - hookUup
A: Honestly, I would start the bidding at 9% and let the rate bid down. The problem is Prosper does not provide a "reserve not met" feature, as in, please do not fund this listing unless a rate of 6% or lower is reached. Therefore, if the loan is bid down to 8.75%, Prosper will fund the loan regardless if the rate is what the borrower needed to make the loan viable. (Nov-09-2010)
Q: OK. So why not try the loan again starting at 5% and allow it to be bid down from there? If you do so, I will make sure to do my part to help get it funded. Send me an message if you do. - hookUup
A: Some lenders do not like to bid early because it ties up funds. I think this listing has a small chance of funding at this low rate, so it is in my best interest not to pull it. In the past, I've found it difficult to get lenders to bid again if I adbandon their bids. See AsianDragon's bid in one of my previous listings, which has never returned. I would really appreciate you taking a smaller share of this listing at it's current rate! Thanks for the questions. (Nov-10-2010)
Q: Borrowers can withdraw a listing at any time before the bidding ends, so if you don't like the rate you can just withdraw the listing. - smarva
A: Yes, but if you bid and I pull the listing, won't you be annoyed about having your funds tied for nothing. See my previous answer regarding getting those bids again. Surely you can see the benefit of a reserve-not-met feature in an auction style bidding process. I have communicated this need to Doug Fuller and one of his assistants but I guess Prosper has bigger fish to fry. (Nov-10-2010)
Q: Since you have indicated that you will take the loan even if its not fully funded, I made a small bid. Sorry, I can do more. 3% is just not attractive enough to make a large bid. - hookUup
A: Here's a comparative listing. I am asking for .25% less with a far better credit profile and a one year term; http://www.prosper.com/invest/listing.aspx?listingID=416970 Thanks for even the small bid, every bid helps and is appreciated. (Nov-10-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
profit-mountain237$34.00$34.0011/4/2010 8:15:21 PM
CMDCO$50.00$50.0011/7/2010 1:58:52 PM
profitable-money$25.00$25.0011/7/2010 8:16:07 PM
conqueror359$75.00$75.0011/8/2010 3:23:24 PM
IndigoBeer$50.00$50.0011/9/2010 3:32:40 PM
LawyerLoan$25.00$25.0011/10/2010 11:28:21 AM
sundaisybabie$50.00$50.0011/10/2010 12:49:42 PM
hookUup$25.00$25.0011/10/2010 2:49:11 PM
anton$200.00$200.0011/10/2010 3:00:37 PM
keeper24$25.00$25.0011/11/2010 6:06:56 AM
JGuide$100.48$100.4811/11/2010 9:18:45 AM
gallant-economy9$100.00$63.8211/11/2010 10:30:34 AM
Bizyhusbandnfather$25.00$25.0011/11/2010 2:21:51 PM
cash-champ0$50.00$50.0011/5/2010 10:18:23 AM
JGONZ13850$25.00$25.0011/5/2010 1:07:28 PM
progressive-velocity2$25.00$25.0011/7/2010 5:14:45 PM
indomitable-coin$50.00$50.0011/8/2010 7:53:51 AM
capital-star5$25.00$25.0011/10/2010 4:46:26 AM
LushGreenLawn$25.00$25.0011/11/2010 6:00:13 AM
outofoffice$51.70$51.7011/11/2010 10:02:39 AM
20 bids
 
Borrower Payment Dependent Notes Series 482972
This series of Notes was issued and sold upon the funding of the borrower loan #45372, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Nov-05-2010 
  Auction end date:  Nov-12-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $123.28
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $123.28
 
Auction yield range: 10.57% - 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: Sep-1984 Debt/Income ratio: 3%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $546Stated income:$25,000-$49,999
Delinquencies in last 7y: 21 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: leverage-bluebird Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
simplelender80$200.00$200.0011/5/2010 3:30:24 PM
bid-czar8$25.00$25.0011/5/2010 3:31:21 PM
valiant-liberty4$25.00$25.0011/5/2010 3:35:11 PM
Comoparklender$25.00$25.0011/5/2010 3:35:27 PM
radiant-loan5$200.00$200.0011/5/2010 3:38:27 PM
nybanker85$50.00$50.0011/7/2010 9:53:03 AM
frogperson$100.00$100.0011/6/2010 8:59:03 PM
balance-handshake7$25.00$25.0011/8/2010 8:57:39 AM
inspiring-reward$59.55$59.5511/8/2010 10:08:04 AM
forthright-dedication$25.00$25.0011/8/2010 12:46:32 PM
personal-lender$25.00$25.0011/8/2010 5:06:46 PM
6moonbeams$50.00$50.0011/9/2010 10:29:14 AM
finance-prescription$50.00$50.0011/10/2010 8:03:48 AM
intuitive-velocity4$50.00$50.0011/10/2010 2:33:22 PM
hope-eagle6$25.00$25.0011/10/2010 3:28:32 PM
suave-dime6$25.00$25.0011/10/2010 7:59:32 PM
direct-social3$50.00$50.0011/11/2010 2:08:57 AM
Kaj$25.00$25.0011/11/2010 3:57:14 AM
Leshan$33.33$33.3311/11/2010 3:13:20 PM
realtormoises$25.00$25.0011/11/2010 6:28:11 PM
goodhearted-basis4$25.00$25.0011/11/2010 8:36:00 PM
exchange-dreams$25.00$25.0011/11/2010 8:16:18 PM
Mighty_Hunter$25.00$25.0011/11/2010 10:14:38 PM
yu-rik$25.00$25.0011/12/2010 5:32:31 AM
principal-laser$46.00$46.0011/12/2010 7:09:48 AM
greenback-guard$25.00$25.0011/12/2010 7:24:14 AM
greenback-guard$25.00$25.0011/12/2010 9:20:32 AM
ttnk62918$25.00$25.0011/12/2010 10:04:11 AM
cbfresh$50.00$50.0011/12/2010 11:33:06 AM
grampy48$30.00$30.0011/12/2010 1:56:59 PM
transaction-circuit$50.00$50.0011/5/2010 3:21:36 PM
velocity-solo$25.00$25.0011/5/2010 3:31:09 PM
precious-coin3$25.00$25.0011/5/2010 3:33:23 PM
missing-link$100.00$100.0011/5/2010 3:29:12 PM
kulender$50.00$50.0011/7/2010 9:09:20 AM
HHP$25.00$25.0011/7/2010 9:53:07 AM
Artist_Blue$25.00$25.0011/6/2010 7:55:35 PM
tech310$25.00$25.0011/7/2010 1:23:22 PM
money-bauble$25.00$25.0011/7/2010 8:40:34 AM
platinum-celebration4$25.00$25.0011/7/2010 8:25:14 PM
bountiful-durability$50.00$50.0011/8/2010 10:08:14 AM
commerce-web5$43.59$43.5911/8/2010 10:03:52 PM
orderly-leverage$100.00$100.0011/8/2010 10:20:50 PM
jigsaw$50.00$50.0011/9/2010 4:54:06 AM
finance-mushroom$100.00$100.0011/9/2010 9:41:20 AM
ah-long$25.00$25.0011/9/2010 9:37:54 PM
108lender$25.00$25.0011/10/2010 9:56:44 AM
graceful-investment$26.53$26.5311/10/2010 10:58:48 AM
LiveNow$25.00$25.0011/10/2010 2:34:56 PM
FeedTheMachine$31.32$31.3211/10/2010 1:04:50 PM
supersarah61$25.00$25.0011/10/2010 2:31:47 PM
loyalist1$50.00$50.0011/11/2010 6:50:09 AM
dudebrah$25.00$25.0011/11/2010 8:22:45 AM
WalnutCreekguy$50.00$24.6811/11/2010 8:51:17 AM
pythia$25.00$25.0011/11/2010 11:31:49 AM
marwadi-62$50.00$50.0011/11/2010 4:12:17 PM
systemlender$75.00$75.0011/11/2010 4:36:01 PM
greenback-guard$25.00$25.0011/11/2010 7:37:50 PM
lion6$25.00$25.0011/12/2010 12:35:29 AM
bold-dynamic-silver$25.00$25.0011/12/2010 3:23:16 AM
social-zebra$30.00$30.0011/12/2010 8:14:19 AM
thebadpelican$25.00$25.0011/12/2010 7:04:27 AM
money-fort$25.00$25.0011/12/2010 9:01:36 AM
Easystreet$25.00$25.0011/12/2010 11:31:10 AM
ultimate-peace$300.00$300.0011/12/2010 1:50:05 PM
65 bids
 
Borrower Payment Dependent Notes Series 483044
This series of Notes was issued and sold upon the funding of the borrower loan #45313, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 12 months Estimated loss: 5.95% Auction start date:  Nov-05-2010 
  Auction end date:  Nov-05-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 20.75% Starting monthly payment: $179.01
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 20.75% Final monthly payment: $179.01
 
Auction yield range: 4.97% - 12.40% Estimated loss impact: 6.16%  
Lender servicing fee: 1.00% Estimated return: 6.24%  
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): 9 First credit line: Oct-1997 Debt/Income ratio: 7%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,269Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: 1XLoan 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 end of year loan
Purpose of loan:
This loan will be used to wrap up some end of year debt and make it until bonus time.

My financial situation:
I am a good candidate for this loan because the majority of my income comes at the end of the year by way of bonus, leaving these last couple months a bit tight. The money will go towards maintaining these next few months of bills, if need be, this loan can be paid off in full with all applicable interest on December 16th.


Monthly net income: $ 3,775

Monthly expenses: $
??Housing: $ 2900
??Insurance: $
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??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)
williemc44$50.00$50.0011/5/2010 3:19:02 PM
rakem777$25.00$25.0011/5/2010 3:10:30 PM
GElender$100.00$100.0011/5/2010 3:17:45 PM
investment-comet$25.00$25.0011/5/2010 3:22:58 PM
uncleubb$25.00$25.0011/5/2010 3:18:31 PM
LA-Funding-Bank$25.00$25.0011/5/2010 3:10:44 PM
versatile-benefit933$200.00$200.0011/5/2010 3:26:09 PM
balanced-bill7$50.00$50.0011/5/2010 3:28:54 PM
ichibon$150.00$150.0011/5/2010 3:29:00 PM
organized-payment6$25.00$25.0011/5/2010 3:30:04 PM
nickel-ferret$50.00$50.0011/5/2010 3:30:08 PM
worth-arch$25.00$25.0011/5/2010 3:23:44 PM
ray1051$25.00$25.0011/5/2010 3:29:26 PM
bold-durability-drum$50.00$50.0011/5/2010 3:29:30 PM
natural-affluence4$25.00$25.0011/5/2010 3:29:35 PM
skuba$25.00$25.0011/5/2010 3:29:41 PM
bonus-sensai825$25.00$25.0011/5/2010 4:43:53 PM
calkidd05$25.00$25.0011/5/2010 3:10:36 PM
YoungArchitect$500.00$500.0011/5/2010 3:10:50 PM
MissionMicroFinance$25.00$25.0011/5/2010 3:25:12 PM
riproaringrapids$25.00$25.0011/5/2010 3:19:14 PM
jdwillcox$100.00$100.0011/5/2010 3:29:57 PM
simplelender80$100.00$100.0011/5/2010 3:30:53 PM
tech310$50.00$50.0011/5/2010 3:30:57 PM
icchok$50.00$50.0011/5/2010 3:28:53 PM
handshake5$100.00$100.0011/5/2010 3:29:47 PM
inspired-investment8$50.00$50.0011/5/2010 3:29:05 PM
enthralling-deal180$50.00$50.0011/5/2010 3:30:01 PM
SLJ3$25.00$25.0011/5/2010 3:33:49 PM
29 bids
 
Borrower Payment Dependent Notes Series 483108
This series of Notes was issued and sold upon the funding of the borrower loan #45347, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-15-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 29.52% Final monthly payment: $120.87
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 19.74%  
Lender servicing fee: 1.00% Estimated return: 5.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1996 Debt/Income ratio: 25%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,084Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: PJMAC Borrower's state: Texas Borrower's group: P2P Financial
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 47 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2009)
620-639 (Jul-2009)
600-619 (Oct-2008)
620-639 (Dec-2006)
 
Principal balance: $1,755.61 31+ days late: 0 ( 0% )
Total payments billed: 47  
Description
buying used car
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I have used Prosper loans before and have a great track record.

Monthly net income: $ 6400

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 150
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $?50
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ 1000
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)
Thylow$25.00$25.0011/8/2010 3:24:06 PM
MoneyForNothing$29.96$29.9611/8/2010 9:51:15 PM
MoneyTree79$25.00$25.0011/9/2010 5:56:56 PM
loanman2007$100.00$100.0011/10/2010 5:32:37 AM
Roundhouse$100.00$100.0011/9/2010 8:59:51 PM
CA_Lender$25.00$25.0011/11/2010 2:19:38 AM
golffish2$200.00$200.0011/12/2010 7:33:40 AM
credit-guard5$25.00$25.0011/12/2010 9:30:30 AM
clemclan$25.00$25.0011/12/2010 3:35:04 PM
850$50.00$50.0011/12/2010 9:10:13 PM
benefit-boots$25.00$25.0011/12/2010 10:17:45 PM
Moe87$25.00$25.0011/13/2010 9:35:55 AM
eboomer2611$25.00$25.0011/13/2010 9:12:29 PM
cunning-deal8$25.00$25.0011/13/2010 2:54:09 PM
Champion_Lending$25.00$25.0011/13/2010 4:53:20 PM
dime-selector$25.00$25.0011/13/2010 8:06:24 PM
Leshan$75.00$75.0011/13/2010 10:13:43 PM
superb-kindness2$25.00$25.0011/14/2010 8:15:41 AM
SRPT$25.00$25.0011/14/2010 8:27:40 AM
mikeandcat$100.00$100.0011/14/2010 10:20:27 AM
lender12345$25.00$25.0011/14/2010 1:26:04 PM
dudebrah$25.00$25.0011/14/2010 11:38:52 PM
amor1962$25.00$25.0011/15/2010 8:41:37 AM
golffish2$300.00$300.0011/15/2010 6:20:01 AM
honey-money$25.00$25.0011/15/2010 6:23:33 AM
credit-missile$25.00$25.0011/15/2010 8:35:05 AM
credit-missile$25.00$25.0011/15/2010 8:35:37 AM
UBOtto186$25.00$25.0011/15/2010 8:51:32 AM
fairness-atmosphere$25.00$25.0011/15/2010 9:34:35 AM
LittleMingo$30.00$30.0011/15/2010 9:38:12 AM
Zoomzoom22$25.00$25.0011/15/2010 2:05:27 PM
ultimate-peace$300.00$300.0011/15/2010 12:33:09 PM
Thylow$25.00$25.0011/8/2010 3:24:40 PM
silver-parsec$30.00$30.0011/10/2010 8:59:08 AM
realtormoises$25.00$25.0011/10/2010 6:04:42 AM
Aberdeen$999.99$212.9211/11/2010 1:31:12 AM
lendstats_com$200.00$200.0011/11/2010 10:11:37 PM
five-star-note$100.18$100.1811/11/2010 8:57:31 PM
kendigme$25.00$25.0011/13/2010 4:46:55 AM
investment-artist$25.00$25.0011/13/2010 9:53:47 AM
Socorro_Capital_Partners$25.00$25.0011/13/2010 11:32:47 AM
thankful-nickel2$25.00$25.0011/13/2010 3:03:59 PM
bst$25.32$25.3211/13/2010 4:33:20 PM
cunning-compassion1$25.00$25.0011/14/2010 9:24:02 AM
atlas100$25.00$25.0011/14/2010 6:29:47 PM
Zoomzoom22$31.62$31.6211/15/2010 6:27:17 AM
dpries123$25.00$25.0011/15/2010 7:31:48 AM
heerzaquestion$25.00$25.0011/15/2010 6:32:58 AM
Mikale360$25.00$25.0011/15/2010 7:22:05 AM
periko$25.00$25.0011/15/2010 7:14:27 AM
credit-missile$25.00$25.0011/15/2010 8:34:38 AM
surferracerskaterboy$50.00$50.0011/15/2010 9:55:32 AM
moneybags16$25.00$25.0011/15/2010 10:19:37 AM
malomar66$50.00$50.0011/15/2010 11:55:34 AM
minnesotafinancial$25.00$25.0011/15/2010 11:03:03 AM
p2ploan-sensation211$25.00$25.0011/15/2010 1:16:52 PM
enthralling-investment$40.00$40.0011/15/2010 1:54:03 PM
RecoveryLender$25.00$25.0011/15/2010 2:21:50 PM
58 bids
 
Borrower Payment Dependent Notes Series 483142
This series of Notes was issued and sold upon the funding of the borrower loan #45357, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-09-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 20.51% Starting monthly payment: $34.62
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 20.51% Final monthly payment: $34.62
 
Auction yield range: 5.57% - 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): 9 First credit line: Oct-2004 Debt/Income ratio: 5%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,406Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: green-investment-venus 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 some credit cards
Purpose of loan:
This loan will be used to?
?pay off some credit cards
My financial situation:
I am a good candidate for this loan because?
i always pay my all lines of credit and i am never late
Monthly net income: $
2,494
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 150
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 100
??Clothing, household expenses $ 40
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Approved$25.00$25.0011/8/2010 2:36:38 PM
exchange-squirrel$25.00$25.0011/8/2010 2:36:44 PM
riproaringrapids$25.00$25.0011/8/2010 2:43:24 PM
GElender$50.00$50.0011/8/2010 2:37:40 PM
Weaverville$50.00$50.0011/8/2010 2:44:36 PM
icchok$50.00$50.0011/8/2010 2:55:30 PM
velocity-solo$25.00$25.0011/8/2010 3:23:19 PM
BxRealtor$25.00$25.0011/8/2010 3:12:03 PM
wwwUniversal$32.82$32.8211/8/2010 4:04:41 PM
EngineersAlliance$75.00$75.0011/8/2010 4:00:17 PM
reflective-rupee$44.00$44.0011/8/2010 4:03:33 PM
investment-comet$25.00$25.0011/8/2010 2:44:04 PM
Stock-Stud$25.00$25.0011/8/2010 2:36:54 PM
williemc44$50.00$50.0011/8/2010 2:43:45 PM
ichibon$150.00$46.1911/8/2010 2:55:47 PM
RandyL3$25.00$25.0011/8/2010 3:08:25 PM
platinum-hunter7$35.00$35.0011/8/2010 2:50:22 PM
Cherrypicker$30.00$30.0011/8/2010 3:43:11 PM
mjunlimited$50.00$50.0011/8/2010 3:08:18 PM
penny-plato$25.00$25.0011/8/2010 4:36:12 PM
honey-money$25.00$25.0011/8/2010 5:08:08 PM
interstellar$50.00$50.0011/8/2010 6:55:49 PM
jslo722$25.00$25.0011/8/2010 6:34:29 PM
JustMee$25.00$25.0011/8/2010 9:32:49 PM
junes08$32.92$32.9211/9/2010 3:19:13 AM
outofoffice$41.55$41.5511/9/2010 6:46:33 AM
Benkneebob$37.52$37.5211/9/2010 4:36:08 AM
bonus-sensai825$25.00$25.0011/9/2010 7:46:47 AM
28 bids
 
Borrower Payment Dependent Notes Series 483168
This series of Notes was issued and sold upon the funding of the borrower loan #45350, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 12 months Estimated loss: 1.55% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-15-2010 
 
Starting lender yield: 5.50% Starting borrower rate/APR: 6.50% / 7.44% Starting monthly payment: $86.30
Final lender yield: 3.50% Final borrower rate/APR: 4.50% / 5.44% Final monthly payment: $85.38
 
Auction yield range: 1.97% - 5.50% Estimated loss impact: 1.54%  
Lender servicing fee: 1.00% Estimated return: 1.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-1986 Debt/Income ratio: 14%
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $657Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: allinob25 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
Prosper lender looking for a loan
Purpose of loan:
This loan will be used to lend money to other Prosper borrowers and try out the borrowing side of Prosper.

My financial situation:
I am a good candidate for this loan because have an excellent history of employment with a solid credit history.? I have?invested approximately $2,000 to other propser members over the last two years, and have averaged a return of about 9%.?

In addition to my Prosper investments, I have other liquid assets including stocks, and 401k balances I can use to repay this loan if needed.? I have very zero personal debt, other than a car loan at zero percent interest, and pay off my credit card balances monthly.
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)
bentonlending$50.00$50.0011/9/2010 8:10:05 PM
dproxima$25.00$25.0011/10/2010 5:01:10 PM
hookUup$200.00$200.0011/12/2010 8:09:17 PM
AsianDragon$250.00$250.0011/13/2010 10:32:02 AM
GoGators01$25.00$25.0011/13/2010 4:34:00 PM
indomitable-coin$250.00$113.9011/15/2010 10:33:28 AM
order-elevator7$26.00$26.0011/15/2010 12:56:15 PM
REITRUST$25.00$25.0011/15/2010 1:03:18 PM
bentonlending$100.00$100.0011/9/2010 8:01:04 PM
thegreatstrafe$25.00$25.0011/13/2010 5:32:09 PM
credit-guard5$35.10$35.1011/14/2010 12:53:05 PM
Earn_money$25.00$25.0011/15/2010 7:16:01 AM
pine643$50.00$50.0011/15/2010 8:24:32 AM
indianoven$50.00$50.0011/15/2010 2:14:23 PM
14 bids
 
Borrower Payment Dependent Notes Series 483446
This series of Notes was issued and sold upon the funding of the borrower loan #45342, 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: 9.80% Auction start date:  Nov-09-2010 
  Auction end date:  Nov-11-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $100.39
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $100.39
 
Auction yield range: 10.57% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1970 Debt/Income ratio: 7%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 29 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $979Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: deal-tiramisu 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2010)
640-659 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
paying bills
Purpose of loan:
This loan will be used to fund my Health Savings Account, pay off a few bills and just get into a good, solid financial condition?

My financial situation:
I am a good candidate for this loan because my previous loan with Prosper was paid ahead of time and was never late?

Monthly net income: $ 4467

Monthly expenses: $
??Housing: $ 950????
??Insurance: $ 100
??Car expenses: $ 238
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $75
??Credit cards and other loans: $ 175
??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)
finance-mushroom$100.00$100.0011/9/2010 2:49:31 PM
money-bauble$25.00$25.0011/9/2010 2:45:24 PM
bid-czar8$50.00$50.0011/9/2010 3:10:43 PM
simplelender80$100.00$100.0011/9/2010 3:25:26 PM
reflective-rupee$44.00$44.0011/9/2010 3:35:58 PM
moola-wildebeest3$25.00$25.0011/9/2010 3:38:26 PM
Comoparklender$25.00$25.0011/9/2010 3:13:12 PM
valiant-liberty4$25.00$25.0011/9/2010 3:47:46 PM
special-currency6$50.00$50.0011/9/2010 4:58:34 PM
hopethisworks$25.00$25.0011/9/2010 3:41:11 PM
tech310$25.00$25.0011/9/2010 6:26:06 PM
SDNLR$25.00$25.0011/9/2010 7:30:26 PM
forthright-dedication$50.00$50.0011/9/2010 4:58:35 PM
Cai8899$46.69$46.6911/9/2010 8:48:16 PM
inspiring-reward$41.18$41.1811/10/2010 1:31:51 AM
Ocean713$30.98$30.9811/10/2010 5:03:59 AM
cbz$25.00$25.0011/10/2010 6:41:17 AM
benjo$50.00$50.0011/10/2010 7:58:52 AM
Artist_Blue$25.00$25.0011/10/2010 12:58:15 AM
wise-balanced-moola$25.00$25.0011/10/2010 10:19:05 AM
donlenboy$26.77$26.7711/10/2010 10:34:13 AM
MAYBROOK$30.50$30.5011/10/2010 2:34:57 PM
radiant-loan5$200.00$200.0011/10/2010 6:48:33 PM
Kaj$25.00$25.0011/11/2010 3:58:26 AM
NekHoldings$25.00$25.0011/11/2010 5:47:27 AM
FinanceEngine$25.00$25.0011/11/2010 6:46:34 AM
113121$50.00$50.0011/11/2010 7:07:36 AM
flexible-vigilance7$25.00$25.0011/11/2010 7:23:22 AM
113121$500.00$235.8811/11/2010 7:35:34 AM
wlm3012$25.00$25.0011/11/2010 8:44:15 AM
outofoffice$25.00$25.0011/11/2010 10:06:14 AM
6moonbeams$50.00$50.0011/9/2010 2:50:25 PM
transaction-circuit$50.00$50.0011/9/2010 3:07:15 PM
velocity-solo$25.00$25.0011/9/2010 3:12:21 PM
reflective-rupee$44.00$44.0011/9/2010 3:36:14 PM
elegant-bonus$25.00$25.0011/9/2010 3:36:51 PM
successful-agreement7$100.00$100.0011/9/2010 3:43:42 PM
washboard1$50.00$50.0011/9/2010 7:30:27 PM
Banker7371$25.00$25.0011/9/2010 7:43:11 PM
kulender$50.00$50.0011/9/2010 8:54:06 PM
balance-handshake7$25.00$25.0011/9/2010 7:30:28 PM
alexgalt$100.00$100.0011/10/2010 12:40:59 AM
SolarMoonshine$25.00$25.0011/10/2010 3:53:47 AM
trade-goblin9$25.00$25.0011/10/2010 7:11:36 AM
foothillender$25.00$25.0011/10/2010 8:15:39 AM
euro-shrine$25.00$25.0011/10/2010 1:59:00 PM
parsec9$25.00$25.0011/10/2010 2:31:00 PM
droopie1$25.00$25.0011/10/2010 2:31:27 PM
HHP$25.00$25.0011/10/2010 2:32:46 PM
Land_on_your_feet$100.00$100.0011/10/2010 7:03:34 PM
blissful-cash3$50.00$50.0011/10/2010 10:00:01 PM
loyalist1$50.00$50.0011/11/2010 6:50:33 AM
EngineersAlliance$75.00$75.0011/11/2010 7:40:08 AM
53 bids
 
Borrower Payment Dependent Notes Series 483712
This series of Notes was issued and sold upon the funding of the borrower loan #45307, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-10-2010 
  Auction end date:  Nov-11-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.49% Starting monthly payment: $67.30
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.49% Final monthly payment: $67.30
 
Auction yield range: 13.57% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1998 Debt/Income ratio: 32%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 8Length of status:20y 10m
Amount delinquent: $0 Total credit lines: 19 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,590Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: jalexa7266 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 96% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 1 ( 4% )  
620-639 (Aug-2008)
 
Principal balance: $974.72 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Car Needs Repair!
Purpose of loan:
This loan will be used to? repair my one and only car - which I just paid off.? It's an expensive repair, but I need it to continue working my two jobs.

My financial situation:
I am a good candidate for this loan because? I have a solid work history and a good payment record with Prosper.

Monthly net income: $ 2800.00

Monthly expenses: $ 2000.00
??Housing: $ 636
??Insurance: $ 106
??Car expenses: $ 50
??Utilities: $ 140
??Phone, cable, internet: $ 20
??Food, entertainment: $ 200
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 420
??Other expenses: $ YMCA 73; Student loan 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: Hi there, could you explain the delinquencies in your credit record? Thanks and good luck with this loan. - green-rapid-openness
A: These are due to the fact that during the summer, I am paid only full-time for one month. At the end of July, I got very sick and incurred some large medical bills. Which in turn made me late paying the September and October payments. I am back on track now but the car repair expense coming on the heels of the medical expense has left me in a bind. (Nov-11-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loyalist1$50.00$50.0011/10/2010 2:43:19 PM
reflective-rupee$44.00$44.0011/10/2010 2:46:59 PM
transaction-circuit$50.00$50.0011/10/2010 2:53:15 PM
reflective-rupee$44.00$44.0011/10/2010 2:46:43 PM
finance-mushroom$100.00$100.0011/10/2010 2:49:36 PM
daekpon$25.00$25.0011/10/2010 3:06:28 PM
blitzen40$30.00$30.0011/10/2010 5:02:37 PM
SolarMoonshine$25.00$25.0011/10/2010 5:40:32 PM
jpollar$25.00$25.0011/11/2010 2:48:23 AM
371millwood$100.00$100.0011/11/2010 5:49:16 AM
justonejake$25.00$25.0011/11/2010 9:50:07 AM
reflective-rupee$44.00$44.0011/10/2010 2:47:11 PM
money-bauble$25.00$25.0011/10/2010 2:46:11 PM
6moonbeams$50.00$38.0011/10/2010 2:49:53 PM
precious-coin3$25.00$25.0011/10/2010 3:00:16 PM
velocity-solo$25.00$25.0011/10/2010 2:56:21 PM
selector568$100.00$100.0011/10/2010 3:06:12 PM
Land_on_your_feet$25.00$25.0011/10/2010 7:05:29 PM
direct-social3$50.00$50.0011/11/2010 2:09:25 AM
NekHoldings$25.00$25.0011/11/2010 5:48:03 AM
bondhedger$25.00$25.0011/11/2010 6:54:17 AM
Kash2010lu$50.00$50.0011/11/2010 7:31:00 AM
resplendent-moola$50.00$50.0011/11/2010 6:59:44 AM
113121$400.00$400.0011/11/2010 7:49:26 AM
transaction-circuit$100.00$100.0011/11/2010 12:14:31 PM
25 bids
 
Borrower Payment Dependent Notes Series 484052
This series of Notes was issued and sold upon the funding of the borrower loan #45375, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-12-2010 
  Auction end date:  Nov-15-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $67.85
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1996 Debt/Income ratio: 37%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:26y 5m
Amount delinquent: $0 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,176Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: euro-pole Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2009)
 
Principal balance: $1,158.72 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Daughters Wedding
Purpose of loan:
This loan will be used to? Help my daughter pay for?her wedding My financial situation:
I am a good candidate for this loan because? I have been at the same job for 26 years and always pay my bills on time. I want to help my daughter have a beautiful, memorable day. Thank you for your consideration.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 750
??Insurance: $
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glroark$50.00$50.0011/12/2010 2:54:00 PM
velocity-solo$25.00$25.0011/12/2010 3:11:48 PM
villagers$25.00$25.0011/12/2010 3:21:13 PM
Artist_Blue$25.00$25.0011/12/2010 3:21:23 PM
BankofBen$25.00$25.0011/12/2010 3:21:40 PM
special-currency6$25.00$25.0011/12/2010 3:21:45 PM
Diamond_Jim$25.00$25.0011/12/2010 3:21:38 PM
big_balla_papi$25.00$25.0011/12/2010 7:35:33 PM
NekHoldings$25.00$25.0011/13/2010 6:16:26 AM
CashFlow13$1,000.00$856.0011/13/2010 7:48:41 AM
Kash2010lu$25.00$25.0011/13/2010 9:43:15 AM
honey-money$25.00$25.0011/13/2010 4:28:38 PM
loanman2007$50.00$50.0011/14/2010 7:20:08 AM
CommunityArts_Non-profit$30.00$30.0011/14/2010 7:49:13 PM
Gibbyland$50.00$50.0011/12/2010 3:21:00 PM
MM1207$25.00$25.0011/12/2010 3:22:20 PM
reflective-rupee$44.00$44.0011/12/2010 3:34:13 PM
vine99$40.00$40.0011/14/2010 9:13:27 PM
silver-parsec$30.00$30.0011/14/2010 4:22:48 PM
outofoffice$50.00$50.0011/15/2010 7:58:19 AM
investment-artist$25.00$25.0011/15/2010 9:39:03 AM
21 bids
 
Borrower Payment Dependent Notes Series 481685
This series of Notes was issued and sold upon the funding of the borrower loan #45317, 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-06-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.88% Starting monthly payment: $72.38
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.88% Final monthly payment: $72.38
 
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: Jan-1986 Debt/Income ratio: 27%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 5 / 3Length of status:13y 3m
Amount delinquent: $36 Total credit lines: 13Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,485 
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: artist2 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a used car
Purpose of loan:
This loan will be used to?
puchase a good used vehicle

My financial situation:
I am a good candidate for this loan because?I pay my bills on time.? I really would like to get my independence back and not depend on family and friends to take me to the?store, doctor, etc. I have always had?my own transportation until my van broke down for the last time.?I went to "buy -here,pay-here lots" but the payments offered were way over?$200 a month for cars not worth the price they wanted.? I also tried better car lots but was turned down because I had no down payment and the fact I am on a fixed income. I feel I could find a better vehicle buying from the owner rather? than from a lot. I have learned how to do without a lot since living on a fixed income, but,?really don't want to be without a car for much longer. ?The payment for this loan is more in my reach and I will have no problem with payments should I receive the bids needed. Thank you for reading this and all I ask is to have a chance to prove my commitment to paying a loan from Prosper.?


Monthly net income: $ 1025

Monthly expenses: $
??Housing: $ 307
??Insurance: $ 35 includes life and auto insurance
??Car expenses: $ 20+ gas money for those taking me to store, doctor, etc
??Utilities: $ 25 average
??Phone, cable, internet: $100
??Food, entertainment: $ 50- 75 for?groceries
??Clothing, household expenses $20?
??Credit cards and other loans: $?200
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Artist_Blue$25.00$25.0011/1/2010 3:40:37 PM
valiant-liberty4$25.00$25.0011/1/2010 3:30:14 PM
velocity-solo$25.00$25.0011/1/2010 3:31:31 PM
inspiring-reward$150.00$150.0011/1/2010 3:35:29 PM
helping-out$25.00$25.0011/1/2010 7:20:53 PM
flwah$25.00$25.0011/2/2010 7:50:00 AM
tech310$25.00$25.0011/2/2010 12:31:01 PM
Comoparklender$25.00$25.0011/4/2010 7:41:34 PM
gelidfrank$25.00$25.0011/5/2010 1:53:03 PM
generous-deal6$25.00$25.0011/5/2010 3:34:00 PM
Anny-Disco$25.00$25.0011/5/2010 3:38:59 PM
larrybird$150.00$150.0011/5/2010 3:40:40 PM
engaging-leverage823$25.00$25.0011/5/2010 3:44:46 PM
imoutdoorsy$26.13$26.1311/5/2010 3:42:32 PM
helpishere777$25.00$25.0011/5/2010 3:38:15 PM
TakeCare$50.00$50.0011/5/2010 3:45:10 PM
Swabjockey$25.00$25.0011/5/2010 4:43:14 PM
Investoman$25.00$25.0011/5/2010 3:45:20 PM
SLJ3$25.00$25.0011/5/2010 3:47:09 PM
honorable-yield$25.00$25.0011/6/2010 6:47:11 AM
dedication-merman$47.08$47.0811/6/2010 5:27:37 AM
DDHMoney$25.00$25.0011/6/2010 7:56:19 AM
weezy22$28.00$28.0011/6/2010 7:29:34 AM
dough-destiny$25.00$25.0011/6/2010 7:56:21 AM
aztocas$25.00$25.0011/6/2010 10:14:38 AM
graceful-investment$100.00$100.0011/3/2010 3:01:14 PM
orangetrust$50.00$50.0011/4/2010 10:18:52 PM
green-capital-hornet$25.00$25.0011/5/2010 2:46:18 AM
IIP77$25.00$25.0011/5/2010 3:35:53 PM
worthy-bid8$25.00$25.0011/5/2010 3:38:55 PM
tearingstar$35.00$35.0011/5/2010 3:39:01 PM
famous-bill$25.00$25.0011/5/2010 4:18:12 PM
felicity-shrine2$75.00$75.0011/5/2010 5:35:24 PM
money-bauble$25.00$25.0011/5/2010 5:01:02 PM
euro-banker$50.00$50.0011/5/2010 10:56:51 PM
108lender$27.05$27.0511/6/2010 1:29:51 AM
copper$26.40$26.4011/6/2010 2:38:36 AM
bulsa$50.00$50.0011/6/2010 5:22:09 AM
cerbear9$25.00$25.0011/6/2010 9:43:34 AM
Kselr$141.28$60.3411/6/2010 8:55:10 AM
DasMula$25.00$25.0011/6/2010 9:40:22 AM
GS-ROCK$25.00$25.0011/6/2010 12:51:04 PM
42 bids
 
Borrower Payment Dependent Notes Series 481953
This series of Notes was issued and sold upon the funding of the borrower loan #45366, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 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: $113.09
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $113.09
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 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): 2 First credit line: Apr-1963 Debt/Income ratio: 27%
Credit score: 600-619 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:11y 3m
Amount delinquent: $45 Total credit lines: 38 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,596Stated income:$25,000-$49,999
Delinquencies in last 7y: 26 Bankcard utilization: 102%  
   Homeownership: Yes  
Screen name: caternut Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 50 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2009)
620-639 (Sep-2007)
 
Principal balance: $716.27 31+ days late: 0 ( 0% )
Total payments billed: 50  
Description
Need to reimburse good friend
Purpose of loan:
This loan will be used to?reimburse a really good friend who loaned me money to pay for major car repairs.?

My financial situation:
I am a good candidate for this loan because? I am working full-time, have a catering business and work hard to pay all my bills.

Monthly net income: $ 4000.00????

Monthly expenses: $ 3000
??Housing: $ 960????
??Insurance: $ 200
??Car expenses: $?100
??Utilities: $ 200
??Phone, cable, internet: $?200
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 900
??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)
NekHoldings$25.00$25.0010/29/2010 5:46:57 AM
myutmost$25.00$25.0010/30/2010 5:48:32 AM
oath163$25.00$25.0011/2/2010 6:42:25 PM
red-favorable-basis$25.00$25.0011/3/2010 9:24:28 AM
Jasmel$75.00$75.0011/3/2010 6:35:02 PM
brother_tam$400.00$400.0011/3/2010 9:19:02 PM
selector568$50.00$50.0011/3/2010 9:23:05 PM
zone6$50.00$50.0011/3/2010 10:40:11 PM
head$25.00$25.0011/4/2010 6:42:43 AM
Aberdeen$999.00$999.0011/4/2010 9:13:23 AM
payout-comet$25.00$25.0011/4/2010 11:31:30 AM
innovator2$100.00$100.0011/4/2010 12:16:26 PM
FarmersBank$60.20$60.2011/4/2010 12:18:31 PM
Jasmel$100.00$100.0010/29/2010 6:10:01 AM
Amber_Stone$25.00$25.0010/29/2010 7:59:08 AM
YoungTaxMan$50.00$50.0011/3/2010 4:37:05 PM
Jasmel$177.33$57.9611/4/2010 5:58:50 AM
reflective-rupee$44.00$44.0011/4/2010 8:47:47 AM
supreme-hope$25.00$25.0011/4/2010 7:23:06 AM
reflective-rupee$44.00$44.0011/4/2010 8:47:28 AM
innovator2$94.84$94.8411/4/2010 12:17:09 PM
YoungTaxMan$150.00$150.0011/4/2010 12:05:36 PM
dcm6276$25.00$25.0011/4/2010 12:07:14 PM
23 bids
 
Borrower Payment Dependent Notes Series 481969
This series of Notes was issued and sold upon the funding of the borrower loan #45316, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-28-2010 
  Auction end date:  Nov-02-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $89.74
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $89.74
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1972 Debt/Income ratio: 20%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Food Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $853Stated income:$1-$24,999
Delinquencies in last 7y: 30 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: Awaken_77 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
Loan for school
Purpose of loan:
I am attending a trade school in Northern California to study herbalism/traditional medicine (California School of Herbal Studies) and need help paying my tuition. Between what my Dad has saved for me and what I can contribute, I need at least $2,000 to make my tuition. Currently I am finishing up my Holistic Nutrition Educator Certification at the Bauman College of Holistic Nutrition and will be starting my studies at CSHS this March.

My financial situation:
I have no problem paying my bills on time! I am never late on any of my payments and have taken great care to build my credit after an unfortunate bankruptcy 5 years ago.
My boyfriend at the time took advantage of my great credit. I'll make a long story short and say that it was a very hard lesson to learn but nonetheless it was an important one and I have grown considerably because of it! That mistake has cost me quite a lot over the years and I am holding high hopes that it wont delay my education too!

Monthly net income: $1500-2000
This number can vary. I work as a server so the tips are what fluctuate. I work at a great restaurant that stays very busy. Generally I bring home $70-$80 in tip money a day but on a great day this number shoots up to over $100. Also, when I get a modeling gig I can earn anywhere from $300-$1000 depending on the job.

Monthly expenses: $864.00

Housing: $400

Utilities, phone, cable, internet: $100 --- I only have my cell phone bill. Utilities, cable and internet are included in my rent.

Food, entertainment: $200

Credit cards and other loans: $50 --- I only have one secured credit card that I have used for emergency situations

Car Insurance: $114 --- I dont have a car payment and just recently started paying my own car insurance.

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: is this officially your dad's loan? If yes, what are your dad's fixed monthly income and expenses? - beakerfish
A: This is my loan. My Dad is giving me the money from a savings account he keeps just to help me with school. (Oct-29-2010)
Q: When were you born? - beakerfish
A: 1985. I'm not certain why it says 1972 for first credit line. My only thought is that my Dad does have me on a couple of his accounts for department stores (JC Penney and Sears) which he's had for quite awhile. (Oct-30-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radiant-loan5$200.00$200.0010/28/2010 3:31:09 PM
reflective-rupee$33.00$33.0010/28/2010 4:14:54 PM
transaction-circuit$50.00$50.0010/28/2010 3:31:59 PM
valiant-liberty4$25.00$25.0010/28/2010 3:32:34 PM
well-mannered-income3$30.00$30.0010/28/2010 6:48:54 PM
Artist_Blue$25.00$25.0010/29/2010 9:31:00 AM
velocity-solo$25.00$25.0010/29/2010 9:45:39 AM
SDNLR$25.00$25.0010/29/2010 9:54:40 AM
SolarMoonshine$25.00$25.0010/29/2010 4:21:59 PM
suave-dime6$25.00$25.0010/29/2010 3:13:11 PM
bid-czar8$25.00$25.0010/29/2010 3:14:27 PM
MM1207$25.00$25.0010/30/2010 8:09:54 AM
graceful-investment$100.00$100.0010/30/2010 11:31:34 AM
handshake5$100.00$100.0010/31/2010 9:24:27 PM
ttnk62918$25.00$25.0011/1/2010 8:17:47 AM
tech310$25.00$25.0010/31/2010 9:43:51 PM
thatguyoverseas$25.00$25.0011/1/2010 6:02:43 AM
systemlender$100.00$100.0011/1/2010 8:12:27 AM
retired272$25.00$22.9011/1/2010 1:42:14 PM
One_Lolo$25.00$25.0011/1/2010 6:34:31 PM
noble-revenue$29.10$29.1011/2/2010 1:19:20 PM
Ols744$50.00$50.0011/2/2010 4:30:30 PM
simplelender80$200.00$200.0010/28/2010 3:36:04 PM
87Marc$25.00$25.0010/28/2010 10:08:12 PM
parsec9$25.00$25.0010/29/2010 12:54:06 AM
gaurantee101$25.00$25.0010/29/2010 11:40:38 AM
successful-agreement7$100.00$100.0010/29/2010 2:38:53 PM
skillful-asset5$25.00$25.0010/29/2010 6:38:23 PM
inspiring-reward$150.00$150.0010/30/2010 6:18:29 PM
ore-dojo$25.00$25.0010/31/2010 7:50:20 AM
loanman2007$75.00$75.0011/1/2010 5:25:55 AM
platinum-celebration4$25.00$25.0011/1/2010 9:40:11 AM
superb-social$100.00$100.0011/1/2010 12:10:07 PM
greenback-guard$25.00$25.0011/2/2010 1:22:57 PM
srspank24$50.00$50.0011/2/2010 2:58:08 PM
srspank24$50.00$50.0011/2/2010 2:57:08 PM
platinum-cargo$25.00$25.0011/2/2010 4:38:00 PM
Cambium$30.00$30.0011/2/2010 4:58:46 PM
enthusiastic-ore5$30.00$30.0011/2/2010 5:37:28 PM
39 bids
 
Borrower Payment Dependent Notes Series 482131
This series of Notes was issued and sold upon the funding of the borrower loan #45335, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-29-2010 
  Auction end date:  Nov-05-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $346.16
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $346.16
 
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: Dec-1986 Debt/Income ratio: 13%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $131Stated income:$25,000-$49,999
Delinquencies in last 7y: 31 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: rate-orb4 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off car loans and credit car
Purpose of loan:
This loan will be used to? pay off? Legacy Credit union a $2500 car loan for my 2004 Kia and Metro Loan company $3500 for my daughter's car.? She is a junior?in at UAB, a Biology major.

My financial situation:
I am a good candidate for this loan because?? I have gone through classes on managing my money and I have lowered my overhead by moving to a much less expensive place and I know that I can afford to pay one payment on a certain day of the month rather than two different ones.? Combined I am paying out more that what one consolidated loan will be.? We both desperately need trasportation to and from work and school because of our schedules.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $?300
??Insurance: $?250
??Car expenses: $ 495
??Utilities: $ 300
??Phone, cable, internet: $?150
??Food, entertainment: $ 100
??Clothing, household expenses?100?
??Credit cards and other loans: $ 30
??Other expenses: $ 125
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)
jazzlender$50.00$50.0010/29/2010 3:00:42 PM
selector568$300.00$300.0010/29/2010 3:01:58 PM
ray1051$25.00$25.0010/29/2010 3:02:24 PM
mjunlimited$50.00$50.0010/29/2010 3:02:32 PM
Weaverville$50.00$50.0010/29/2010 2:53:38 PM
skuba$25.00$25.0010/29/2010 3:03:02 PM
GCInvestments$25.00$25.0010/29/2010 3:03:28 PM
jdwillcox$100.00$100.0010/29/2010 3:04:12 PM
enthralling-deal180$50.00$50.0010/29/2010 3:04:27 PM
organized-payment6$25.00$25.0010/29/2010 3:04:39 PM
nickel-ferret$50.00$50.0010/29/2010 3:05:02 PM
loyalty-sherpa$50.00$50.0010/29/2010 3:05:27 PM
bold-durability-drum$50.00$50.0010/29/2010 3:02:42 PM
BxRealtor$25.00$25.0010/29/2010 3:03:09 PM
velocity-solo$25.00$25.0010/29/2010 3:08:32 PM
subtle-revenue0$25.00$25.0010/29/2010 3:04:36 PM
narblark$50.00$50.0010/29/2010 3:05:38 PM
the-profit-oracle$25.00$25.0010/30/2010 4:07:11 AM
lloyd_s$25.00$25.0010/30/2010 9:36:08 AM
flopcat$25.00$25.0010/30/2010 2:08:00 PM
QuinMccoy$32.27$32.2710/30/2010 11:08:12 AM
generous-deal6$50.00$50.0010/30/2010 5:25:31 PM
brazilofmux$29.81$29.8110/30/2010 11:06:33 AM
rjleves$50.00$50.0010/30/2010 2:23:47 PM
jdrez$25.00$25.0010/31/2010 2:36:27 PM
KgBsUcKa$25.00$25.0010/31/2010 10:07:45 AM
Flanagan$25.00$25.0010/31/2010 7:50:15 AM
dollardave$100.00$100.0010/31/2010 12:07:51 PM
mla$25.00$25.0010/31/2010 8:58:03 PM
terryaj$50.00$50.0010/31/2010 12:38:53 PM
loyalist1$100.00$100.0010/31/2010 2:32:34 PM
plentiful-reward$50.00$50.0011/1/2010 6:57:20 AM
g314$30.00$30.0010/31/2010 11:48:48 PM
credit-sunshine$25.00$25.0011/1/2010 9:41:07 AM
gallant-camaraderi$30.00$30.0011/1/2010 4:48:37 AM
orange-dollar-guild$25.00$25.0011/1/2010 6:58:57 AM
tolerant-dinero2$25.00$25.0011/1/2010 10:17:27 AM
larrybird$150.00$150.0011/1/2010 11:41:41 AM
cello1$25.00$25.0011/1/2010 10:29:11 AM
tranquil-return4$25.00$25.0011/1/2010 11:40:58 AM
laufer32304$50.00$50.0011/1/2010 4:17:19 PM
tearingstar$50.00$50.0011/1/2010 8:44:39 PM
Pacific-Bank$50.00$50.0011/1/2010 10:32:12 PM
balanced-bill7$50.00$50.0011/2/2010 7:28:40 AM
kegs$150.00$150.0011/2/2010 9:52:31 AM
inspired-investment8$50.00$50.0011/2/2010 8:59:20 AM
13nd3r$25.00$25.0011/2/2010 9:44:26 AM
DrNano$50.00$50.0011/2/2010 1:40:23 PM
srspank24$50.00$50.0011/2/2010 2:40:23 PM
alpinaut$25.00$25.0011/2/2010 1:34:07 PM
irrelevant$25.00$25.0011/2/2010 1:49:14 PM
PatRichi$25.00$25.0011/2/2010 3:24:55 PM
chinolatino$25.00$25.0011/2/2010 4:43:06 PM
comet55$25.00$25.0011/2/2010 6:43:47 PM
best-coin-miser$25.00$25.0011/2/2010 4:30:44 PM
the-money-position$41.96$41.9611/2/2010 5:09:23 PM
julijask$35.00$35.0011/3/2010 1:30:07 AM
grf1945$50.00$50.0011/3/2010 9:28:17 AM
Cherrypicker$30.00$30.0011/3/2010 11:22:40 AM
goodfaithAK$25.00$25.0011/3/2010 11:32:58 AM
melodious-fairness$25.00$25.0011/3/2010 10:41:47 AM
steely_dan34$25.00$25.0011/3/2010 2:24:04 PM
xchach1ng$25.00$25.0011/3/2010 2:46:30 PM
bid-computer$25.00$25.0011/3/2010 3:10:06 PM
flexible-return297$50.00$50.0011/3/2010 3:40:13 PM
Eagledrop$25.00$25.0011/3/2010 3:41:20 PM
Interloper$25.00$25.0011/3/2010 3:42:44 PM
pischkoa$25.00$25.0011/3/2010 3:46:33 PM
Frenchynh$25.00$25.0011/3/2010 3:46:53 PM
Tomeus$75.00$75.0011/3/2010 3:39:45 PM
ptjg$25.50$25.5011/3/2010 3:48:54 PM
calinno2$27.87$27.8711/3/2010 3:40:52 PM
economy-producer$25.00$25.0011/3/2010 3:39:48 PM
DaveG56313$25.00$25.0011/3/2010 3:40:31 PM
gristle$50.00$50.0011/3/2010 3:42:28 PM
checkuto$25.00$25.0011/3/2010 3:42:39 PM
marketplace-cello5$50.00$50.0011/3/2010 3:45:47 PM
Cheburashka$25.00$25.0011/3/2010 3:43:14 PM
intuitive-camaraderi9$25.00$25.0011/3/2010 3:54:45 PM
lagnisiruk$25.00$25.0011/3/2010 3:55:25 PM
galvatron$50.00$50.0011/3/2010 3:55:29 PM
iamricher$25.00$25.0011/3/2010 3:55:39 PM
astute-benjamins$150.00$150.0011/3/2010 3:47:32 PM
orlowf$50.00$50.0011/3/2010 3:57:16 PM
psa1995$50.00$50.0011/3/2010 3:50:30 PM
Tradesmanlender$35.00$35.0011/3/2010 3:52:29 PM
SelectTrustLending$25.00$25.0011/3/2010 3:53:12 PM
bambampk$25.00$25.0011/3/2010 3:52:31 PM
FadSaolAgat$50.00$50.0011/3/2010 3:53:54 PM
bill-mushroom$25.00$25.0011/3/2010 3:55:09 PM
blissful-responsibility4$25.00$25.0011/3/2010 3:55:11 PM
jakesworld$50.00$50.0011/3/2010 3:56:59 PM
TEAM-Jasper$25.00$25.0011/3/2010 3:57:22 PM
TrustPlus$50.00$50.0011/3/2010 3:58:44 PM
wtrboy$50.00$50.0011/3/2010 3:57:44 PM
ferdberfel$50.00$50.0011/3/2010 3:58:08 PM
brother_tam$49.95$49.9511/3/2010 4:19:34 PM
gqrob$25.00$25.0011/3/2010 4:21:27 PM
nunnie$25.00$25.0011/3/2010 6:11:57 PM
bold-yield-rumbler$25.00$25.0011/3/2010 9:07:20 PM
chemistry220$25.00$25.0011/3/2010 11:23:15 PM
Phantom99$25.00$25.0011/4/2010 1:08:42 AM
peso-fortress$25.00$25.0011/4/2010 8:30:29 AM
magee425$30.00$30.0011/4/2010 10:37:06 AM
pythia$25.00$25.0011/4/2010 10:55:33 AM
2Below$25.00$25.0011/4/2010 11:29:44 AM
yogi1975$25.00$25.0011/4/2010 11:45:15 AM
Techne_Funds_LLC$25.00$25.0011/4/2010 4:04:19 PM
houg35$25.00$25.0011/5/2010 6:56:49 AM
principal-laser$200.00$200.0011/5/2010 7:31:18 AM
grampy48$50.00$50.0011/5/2010 8:20:29 AM
KrauseVentures$50.00$50.0011/5/2010 9:49:28 AM
rbgnr111$25.00$25.0011/5/2010 11:39:59 AM
surferracerskaterboy$50.00$50.0011/5/2010 1:20:31 PM
TicTac$40.00$40.0011/5/2010 12:53:36 PM
bennedx$50.00$50.0011/5/2010 12:58:42 PM
Engineer44$25.00$25.0011/5/2010 2:47:14 PM
teller$50.00$50.0010/29/2010 3:02:21 PM
GElender$75.00$75.0010/29/2010 2:56:02 PM
williemc44$50.00$50.0010/29/2010 2:56:10 PM
natural-affluence4$25.00$25.0010/29/2010 3:02:49 PM
rescue$100.00$100.0010/29/2010 3:03:53 PM
handshake5$100.00$100.0010/29/2010 3:03:20 PM
doncm$50.00$50.0010/29/2010 3:05:53 PM
best-deal-banker$25.00$25.0010/29/2010 3:06:21 PM
radforj22$25.00$25.0010/29/2010 5:57:36 PM
MM1207$25.00$25.0010/30/2010 8:10:16 AM
riproaringrapids$25.00$25.0010/30/2010 7:00:14 AM
simplelender80$100.00$100.0010/30/2010 7:47:36 AM
money-bauble$25.00$25.0010/30/2010 7:38:12 AM
Artist_Blue$25.00$25.0010/30/2010 8:18:11 AM
inspiring-reward$75.00$75.0010/30/2010 7:23:01 PM
graceful-investment$100.00$100.0010/30/2010 11:31:45 AM
efficient-treasure0$25.00$25.0010/31/2010 9:07:47 AM
studious-bonus7$100.00$100.0010/31/2010 2:37:38 PM
tenacious-commitment6$25.00$25.0010/31/2010 4:28:13 PM
tech310$50.00$50.0010/31/2010 9:43:24 PM
Malkial$25.00$25.0011/1/2010 9:36:06 AM
museic1$25.00$25.0011/1/2010 4:48:39 AM
Interstate_Rate$50.00$50.0011/1/2010 7:28:21 AM
tntmojave$25.00$25.0011/1/2010 8:49:49 AM
derfen$25.00$25.0011/1/2010 8:09:26 AM
indomitable-coin$50.00$50.0011/1/2010 8:58:12 AM
cablenews$30.31$30.3111/1/2010 1:38:41 PM
Prosp_Lender$50.00$50.0011/1/2010 10:48:53 AM
successful-agreement7$52.29$52.2911/1/2010 11:41:10 AM
108lender$150.00$150.0011/1/2010 4:46:22 PM
point-kitten6$30.69$30.6911/2/2010 5:32:38 AM
a-finance-nirvana$25.00$25.0011/2/2010 2:07:44 AM
flwah$25.00$25.0011/2/2010 7:43:38 AM
icchok$50.00$50.0011/2/2010 5:56:52 AM
ichibon$150.00$150.0011/2/2010 8:13:34 AM
valiant-liberty4$25.00$25.0011/2/2010 9:13:24 AM
CaptainBlueberry$25.00$25.0011/2/2010 11:10:14 AM
the-pure-cash$50.00$50.0011/2/2010 12:31:29 PM
point-shooter$50.00$50.0011/2/2010 2:09:21 PM
greenback-guard$25.00$25.0011/2/2010 1:23:06 PM
wampum-chorus3$25.00$25.0011/2/2010 2:34:29 PM
maldok1$25.00$25.0011/2/2010 4:16:23 PM
missing-link$50.00$50.0011/2/2010 4:00:28 PM
chlebie$25.00$25.0011/2/2010 4:06:09 PM
bentheretoo$125.00$125.0011/2/2010 6:57:19 PM
PK_USMC$25.00$25.0011/2/2010 4:33:27 PM
balance6$25.00$25.0011/2/2010 5:03:49 PM
investment-comet$25.00$25.0011/2/2010 9:14:51 PM
CAGE-Investments$25.00$25.0011/2/2010 7:10:07 PM
horse697$50.00$50.0011/3/2010 5:26:01 AM
jamiee73$25.00$25.0011/3/2010 6:08:25 AM
anders94$25.00$25.0011/3/2010 8:44:06 AM
reward-tsunami7$50.00$50.0011/3/2010 10:23:50 AM
dedicated-transaction796$50.00$50.0011/3/2010 9:35:50 AM
gracej$25.00$25.0011/3/2010 10:25:59 AM
gjh37$50.00$50.0011/3/2010 10:24:27 AM
addlending$50.00$50.0011/3/2010 1:41:51 PM
Hogpilot$25.00$25.0011/3/2010 3:36:29 PM
mattpet$25.00$25.0011/3/2010 3:40:18 PM
suave-dime6$25.00$25.0011/3/2010 3:41:29 PM
zeelender$25.00$25.0011/3/2010 3:41:43 PM
Mark0135$50.00$50.0011/3/2010 3:47:29 PM
silver-armada$50.00$50.0011/3/2010 3:47:42 PM
peerlender$25.00$25.0011/3/2010 3:39:13 PM
dustman$25.00$25.0011/3/2010 3:40:35 PM
loan-master996$33.66$33.6611/3/2010 3:49:43 PM
Georgia_Boy$50.00$50.0011/3/2010 3:41:54 PM
equitable-yield4$25.00$25.0011/3/2010 3:41:23 PM
Aimvest$25.00$25.0011/3/2010 3:42:37 PM
resplendent-dollar$50.00$50.0011/3/2010 3:43:01 PM
NYCFinancier$25.00$25.0011/3/2010 3:53:36 PM
important-ore$100.00$100.0011/3/2010 3:47:09 PM
affluence-tycoon$25.00$25.0011/3/2010 3:44:43 PM
ladderskibum$25.00$25.0011/3/2010 3:55:34 PM
sarisai$101.00$101.0011/3/2010 3:47:35 PM
ClearLake$25.00$25.0011/3/2010 3:48:18 PM
ideal-platinum1$25.00$25.0011/3/2010 3:50:15 PM
benefit-comforter$25.00$25.0011/3/2010 3:57:50 PM
the-upbeat-p2p$31.08$31.0811/3/2010 3:52:37 PM
cybernosha$25.00$25.0011/3/2010 3:52:41 PM
mikrolown$30.00$30.0011/3/2010 3:52:02 PM
rjrventure$75.00$75.0011/3/2010 3:54:48 PM
credible-balance0$25.00$25.0011/3/2010 3:54:55 PM
peripatetic$25.00$25.0011/3/2010 3:55:04 PM
mistertao$25.00$25.0011/3/2010 3:53:48 PM
taylor883$50.00$50.0011/3/2010 3:55:21 PM
maschinenbau$25.00$25.0011/3/2010 3:57:41 PM
rapid-basis2$25.00$25.0011/3/2010 3:57:52 PM
the-bill-gatherer$50.00$50.0011/3/2010 3:57:18 PM
shmb6508$50.00$50.0011/3/2010 3:58:52 PM
Wawenock$25.00$25.0011/3/2010 3:58:06 PM
deal-vibrato$50.00$50.0011/3/2010 3:58:15 PM
kmr2$200.00$200.0011/3/2010 6:28:09 PM
rhodylend$25.00$25.0011/3/2010 4:32:30 PM
innocent-income4$25.00$25.0011/3/2010 9:07:22 PM
brightest-dynamic-peace$25.00$25.0011/3/2010 7:48:16 PM
vigorous-velocity$100.00$100.0011/3/2010 8:28:08 PM
impartial-deal$25.00$17.9811/3/2010 11:36:29 PM
Mindful7$25.00$25.0011/4/2010 11:26:19 AM
Gaelicman$65.00$65.0011/4/2010 3:10:16 PM
justice-collector$25.00$25.0011/4/2010 3:45:10 PM
pine643$25.00$25.0011/4/2010 5:18:30 PM
StanTheMan$35.49$35.4911/4/2010 10:47:41 PM
The_Birnetts$80.00$80.0011/5/2010 5:59:44 AM
Loan-Mart$50.00$50.0011/5/2010 7:49:26 AM
economy-caper9$25.00$25.0011/5/2010 8:30:43 AM
macotra4$36.00$36.0011/5/2010 9:46:23 AM
MongoBongo$25.00$25.0011/5/2010 12:02:55 PM
Richmp412$25.00$25.0011/5/2010 11:25:44 AM
citytreker$144.14$144.1411/5/2010 12:27:36 PM
rutzebach$50.00$50.0011/5/2010 12:33:29 PM
228 bids
 
Borrower Payment Dependent Notes Series 482487
This series of Notes was issued and sold upon the funding of the borrower loan #45339, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-02-2010 
  Auction end date:  Nov-09-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $224.34
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-2007 Debt/Income ratio: 15%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,274Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: best-fascinating-penny 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
love
Purpose of loan:
This loan will be used to? to pay for unexpected expenses

My financial situation:
I am a good candidate for this loan because? Aside from my full time job , I also have 2nd job.

Monthly net income: $ 5500.00

Monthly expenses: $
??Housing: $ 1225.00
??Insurance: $ 150.00
??Car expenses: $ 100.00
??Utilities: $ 60.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 900.00
??Other expenses: $ 0.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
inspiring-reward$150.00$150.0011/2/2010 3:21:24 PM
kulender$50.00$50.0011/2/2010 3:22:26 PM
missing-link$100.00$100.0011/2/2010 3:31:41 PM
valiant-liberty4$25.00$25.0011/2/2010 3:53:04 PM
velocity-solo$25.00$25.0011/2/2010 3:53:31 PM
radiant-loan5$200.00$200.0011/2/2010 3:50:01 PM
Artist_Blue$25.00$25.0011/2/2010 3:55:46 PM
platinum-celebration4$25.00$25.0011/2/2010 3:56:17 PM
JustMee$25.00$25.0011/2/2010 9:19:11 PM
seadogs$25.00$25.0011/3/2010 2:16:19 AM
Amber_Stone$25.00$25.0011/3/2010 7:40:02 AM
graceful-investment$100.00$100.0011/3/2010 4:03:22 PM
suave-dime6$25.00$25.0011/3/2010 4:04:19 PM
FeedTheMachine$100.00$100.0011/5/2010 7:04:02 AM
noble-revenue$50.00$50.0011/5/2010 3:34:17 PM
tech310$25.00$25.0011/5/2010 3:41:15 PM
worthy-bid8$25.00$25.0011/5/2010 3:44:38 PM
consummate-loyalty1$50.00$50.0011/5/2010 3:58:16 PM
SolarMoonshine$25.00$25.0011/5/2010 5:41:47 PM
Thylow$100.00$100.0011/6/2010 3:21:15 PM
honorable-yield$25.00$25.0011/7/2010 8:41:30 AM
green-capital-hornet$25.00$25.0011/8/2010 1:20:30 PM
Lam0nt$25.00$25.0011/8/2010 3:31:33 PM
TakeCare$50.00$50.0011/8/2010 4:07:34 PM
Easystreet$25.00$25.0011/8/2010 4:05:02 PM
MONEYMATCH$25.00$25.0011/8/2010 4:19:52 PM
Investoman$25.00$25.0011/8/2010 4:02:54 PM
tearingstar$35.00$35.0011/8/2010 4:03:43 PM
YsoSLO$40.00$40.0011/8/2010 4:18:56 PM
Gibbyland$50.00$50.0011/8/2010 4:19:25 PM
IIP77$25.00$25.0011/8/2010 4:06:46 PM
orangetrust$50.00$50.0011/8/2010 4:29:33 PM
brother_tam$50.00$50.0011/8/2010 4:22:39 PM
economy-producer$25.00$25.0011/8/2010 4:17:35 PM
orange-statuesque-dime$50.00$50.0011/8/2010 6:14:01 PM
coin-universe$25.00$25.0011/8/2010 5:33:11 PM
Anny-Disco$25.00$25.0011/8/2010 7:31:48 PM
larryboy10$25.00$25.0011/8/2010 6:37:58 PM
engaging-leverage823$25.00$25.0011/8/2010 7:53:16 PM
orderly-leverage$100.00$100.0011/8/2010 10:19:43 PM
orange-preeminant-bill$50.00$50.0011/9/2010 3:28:59 AM
copper$27.27$27.2711/9/2010 2:30:38 AM
GInBaghdad$25.00$25.0011/9/2010 4:18:29 AM
gotjack$25.00$25.0011/9/2010 2:59:16 AM
treasure-bliss$50.00$50.0011/9/2010 3:28:51 AM
loss-of-control$50.00$50.0011/9/2010 8:37:12 AM
loss-of-control$50.00$50.0011/9/2010 8:37:34 AM
dollar-sonnet3$50.00$50.0011/9/2010 9:39:25 AM
finance-mushroom$100.00$100.0011/9/2010 9:39:49 AM
fairness-kayak$25.00$25.0011/9/2010 7:40:37 AM
favorable-deal0$25.00$25.0011/9/2010 9:38:03 AM
NoCal$30.00$30.0011/9/2010 9:46:49 AM
wwwUniversal$25.00$25.0011/9/2010 8:42:48 AM
profitable-return5$25.00$25.0011/9/2010 8:58:28 AM
dedicated-transaction796$50.00$50.0011/9/2010 9:43:03 AM
helping-out$25.00$25.0011/2/2010 3:26:51 PM
greenback-guard$25.00$25.0011/2/2010 3:39:43 PM
simplelender80$200.00$200.0011/2/2010 3:52:43 PM
bid-czar8$25.00$25.0011/2/2010 3:58:47 PM
hopethisworks$25.00$25.0011/3/2010 10:08:31 AM
108lender$100.00$100.0011/4/2010 3:26:24 PM
velocity-motivator6$25.00$25.0011/4/2010 3:27:23 PM
handshake5$100.00$100.0011/4/2010 3:46:27 PM
Comoparklender$25.00$25.0011/4/2010 7:40:56 PM
Bob450$25.00$25.0011/5/2010 12:04:39 PM
bountiful-durability$50.00$50.0011/5/2010 11:00:34 AM
nickel-hickory$25.00$25.0011/5/2010 12:18:56 PM
greenback-bull6$50.00$50.0011/5/2010 3:41:51 PM
gelidfrank$25.00$25.0011/5/2010 3:46:30 PM
natural-greenback6$25.00$25.0011/5/2010 3:39:40 PM
flwah$25.00$25.0011/5/2010 3:42:14 PM
profit-powerplant$50.00$50.0011/5/2010 5:33:18 PM
courteous-kindness1$50.00$50.0011/5/2010 6:40:31 PM
incbx$50.00$50.0011/5/2010 9:19:20 PM
LiveNow$25.00$25.0011/6/2010 6:06:33 AM
Thylow$25.00$25.0011/6/2010 2:41:14 PM
Midwestvalues$100.00$100.0011/6/2010 12:36:24 PM
money-bauble$25.00$25.0011/7/2010 8:39:24 AM
scottharr27$48.57$48.5711/7/2010 7:26:53 AM
retired272$25.00$25.0011/7/2010 11:03:28 AM
minddoc$25.00$25.0011/7/2010 3:51:28 PM
vigorous-velocity$75.03$75.0311/7/2010 3:49:20 PM
worthy-bid4$29.63$29.6311/8/2010 8:11:01 AM
nickel-hickory$56.57$56.5711/8/2010 9:48:40 AM
helpishere777$25.00$25.0011/8/2010 4:04:03 PM
larrybird$150.00$150.0011/8/2010 4:08:01 PM
banker65010$25.00$25.0011/8/2010 4:06:00 PM
gain-gourd$50.00$50.0011/8/2010 4:20:44 PM
generous-deal6$25.00$25.0011/8/2010 4:05:39 PM
imoutdoorsy$25.00$25.0011/8/2010 4:38:32 PM
vibraphone3$50.00$50.0011/8/2010 4:39:01 PM
studious-peso$25.00$25.0011/8/2010 4:18:29 PM
personal-lender$25.00$25.0011/8/2010 5:05:23 PM
cycle198$25.00$25.0011/8/2010 6:06:28 PM
commerce-web5$50.00$50.0011/8/2010 8:50:51 PM
wattboy$40.34$40.3411/8/2010 9:41:52 PM
musegaze$31.36$31.3611/8/2010 9:48:21 PM
Swabjockey$25.00$25.0011/8/2010 9:58:03 PM
thebadpelican$25.00$25.0011/8/2010 9:18:11 PM
jamiee73$25.00$25.0011/8/2010 10:28:26 PM
dws2380$25.00$25.0011/9/2010 5:41:09 AM
BBL$25.00$25.0011/9/2010 2:30:44 AM
WBB21$50.00$50.0011/9/2010 5:54:12 AM
dthompso$50.00$50.0011/9/2010 7:36:36 AM
jigsaw$50.00$50.0011/9/2010 4:53:10 AM
visionary-currency$50.00$50.0011/9/2010 8:30:07 AM
majestic-currency3$54.40$54.4011/9/2010 8:32:11 AM
toomanyfishtanks$25.00$25.0011/9/2010 9:20:21 AM
asset-yoga6$100.00$100.0011/9/2010 8:02:56 AM
villagers$25.00$6.8311/9/2010 9:47:08 AM
income-rocker2$50.00$50.0011/9/2010 11:02:07 AM
RyanM561$25.00$25.0011/9/2010 11:25:16 AM
112 bids
 
Borrower Payment Dependent Notes Series 482809
This series of Notes was issued and sold upon the funding of the borrower loan #45319, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-04-2010 
  Auction end date:  Nov-11-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $336.52
 
Auction yield range: 13.57% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1987 Debt/Income ratio: 19%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 11Length of status:4y 3m
Amount delinquent: $10,193 Total credit lines: 29 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,979Stated income:$100,000+
Delinquencies in last 7y: 23 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: Lauren72 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 85% ) 680-699 (Latest)
Principal borrowed: $20,000.00< 31 days late: 5 ( 15% )  
640-659 (Dec-2007)
 
Principal balance: $1,591.13 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
2nd Prosper Loan - Debt Elimination
THE DELINQUENT ACCOUNT IS WITH COUNTRYWIDE MORTGAGE FROM 1998 (SOLD REAL ESTATE) IT SURFACED WHEN COUNTRYWIDE WAS RECENTLY PURCHASED BY BANK OF AMERICA. I'M DISPUTING THE OBLIGATION.
Purpose of loan:
This loan will be used to pay down and eliminate credit card debt.

My financial situation: I'm making great progress against my multi-year plan to eliminate all of my credit card debt. I'm currently employed, but continue to feel the effects of when I was laid off in 2004 and forced to liquidate all of my personal assets (savings, stocks, bonds, 401K) to avoid bankruptcy.
I am a good candidate for this loan because of my payment performance on my first Prosper loan - this loan is payment is 32% less - excellent cash flow, and stable employment (4 years with the same company - I made it through the most difficult portion of the US economic recession/reset).

Monthly net income: $ 12,500

Monthly expenses: $
??Housing: $2,500
??Insurance: $150
??Car expenses: $600
??Utilities: $90
??Phone, cable, internet: $100
??Food, entertainment: $400
??Clothing, household expenses $75
??Credit cards and other loans: $250
??Other expenses: $200
Prosper 1st loan: 732 (2 payments remaining)
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)
simplelender80$200.00$200.0011/4/2010 2:46:24 PM
bid-czar8$50.00$50.0011/4/2010 2:48:24 PM
missing-link$100.00$100.0011/4/2010 2:44:34 PM
valiant-liberty4$25.00$25.0011/4/2010 2:48:40 PM
reflective-rupee$44.00$44.0011/4/2010 2:51:14 PM
Artist_Blue$25.00$25.0011/4/2010 2:47:30 PM
brother_tam$50.00$50.0011/4/2010 3:23:25 PM
radiant-loan5$200.00$200.0011/4/2010 3:47:17 PM
parsec9$25.00$25.0011/4/2010 7:58:21 PM
power-secret-agent$25.00$25.0011/4/2010 6:08:53 PM
Comoparklender$25.00$25.0011/4/2010 7:41:21 PM
mikeandcat$100.00$100.0011/5/2010 4:43:00 AM
BankofBen$25.00$25.0011/5/2010 3:18:47 AM
moola-wildebeest3$25.00$25.0011/5/2010 4:18:17 AM
SDNLR$25.00$25.0011/5/2010 11:44:37 AM
Tuss12$50.00$50.0011/5/2010 11:12:44 AM
best-point-flow$50.00$50.0011/5/2010 12:55:20 PM
bountiful-durability$50.00$50.0011/5/2010 3:42:58 PM
inspiring-reward$150.00$150.0011/5/2010 6:52:26 PM
greenback-guard$25.00$25.0011/8/2010 3:31:22 PM
gelidfrank$25.00$25.0011/8/2010 4:29:52 PM
personal-lender$25.00$25.0011/8/2010 5:06:27 PM
orderly-leverage$100.00$100.0011/8/2010 10:20:32 PM
COCHINOBOY$30.00$30.0011/9/2010 3:49:33 AM
jigsaw$50.00$50.0011/9/2010 4:53:57 AM
graceful-investment$41.49$41.4911/9/2010 6:38:03 AM
flwah$25.00$25.0011/9/2010 6:34:58 AM
villagers$25.00$25.0011/9/2010 9:47:30 AM
finance-mushroom$100.00$100.0011/9/2010 9:41:07 AM
FeedTheMachine$50.00$50.0011/9/2010 3:40:23 PM
suave-dime6$25.00$25.0011/9/2010 3:40:36 PM
top-historic-peso$25.00$25.0011/9/2010 3:46:19 PM
well-mannered-income3$40.00$40.0011/9/2010 4:02:16 PM
money-fort$25.00$25.0011/9/2010 6:06:55 PM
supreme-hope$25.00$25.0011/10/2010 9:26:54 AM
mikeandcat$127.71$127.7111/10/2010 9:10:21 AM
bunnybear$50.00$50.0011/10/2010 11:57:14 AM
asset-yoga6$25.00$25.0011/10/2010 1:27:04 PM
honorable-yield$25.00$25.0011/10/2010 8:00:10 PM
DasMula$768.49$768.4911/10/2010 8:19:29 PM
blitzen40$25.00$25.0011/10/2010 4:55:45 PM
dedicated-transaction796$42.59$42.5911/10/2010 7:59:44 PM
kind-efficient-credit$25.00$25.0011/11/2010 1:38:28 AM
red-favorable-basis$25.00$25.0011/11/2010 3:06:43 AM
Kaj$25.00$25.0011/11/2010 3:56:59 AM
371millwood$100.00$100.0011/11/2010 5:46:29 AM
Leshan$66.66$66.6611/11/2010 8:59:09 AM
G-Love$500.00$500.0011/11/2010 12:07:40 PM
Lubava$40.28$40.2811/11/2010 1:49:41 PM
anton$2,500.00$2,251.5011/11/2010 1:48:58 PM
velocity-solo$25.00$25.0011/4/2010 2:46:40 PM
reflective-rupee$44.00$44.0011/4/2010 2:50:53 PM
power-secret-agent$25.00$25.0011/4/2010 6:08:26 PM
platinum-celebration4$25.00$25.0011/4/2010 7:11:39 PM
atlas100$25.00$25.0011/5/2010 8:14:20 AM
platinum-hunter7$25.00$25.0011/5/2010 6:47:25 AM
Midwestvalues$100.00$100.0011/6/2010 12:36:30 PM
money-bauble$25.00$25.0011/7/2010 8:40:15 AM
fund-secret-agent$25.00$25.0011/7/2010 10:37:30 AM
kulender$50.00$50.0011/7/2010 9:09:01 AM
helping-out$25.00$25.0011/8/2010 1:51:00 AM
Moe87$25.00$25.0011/8/2010 5:22:56 PM
commerce-web5$50.00$50.0011/8/2010 8:51:22 PM
zone6$100.00$100.0011/8/2010 11:30:12 PM
108lender$34.18$34.1811/9/2010 7:36:06 AM
FarmersBank$25.00$25.0011/9/2010 6:23:23 AM
6moonbeams$50.00$50.0011/9/2010 10:29:02 AM
tech310$25.00$25.0011/9/2010 1:48:37 PM
LiveNow$25.00$25.0011/9/2010 3:48:06 PM
supersarah61$25.00$25.0011/9/2010 5:37:45 PM
ah-long$25.00$25.0011/9/2010 9:37:46 PM
Rip128$100.00$100.0011/10/2010 9:32:11 AM
musegaze$60.93$60.9311/10/2010 12:07:30 PM
lucrative-transparency0$25.00$25.0011/10/2010 9:35:12 AM
LEO_B$25.00$25.0011/10/2010 2:28:57 PM
Feyenoord$25.00$25.0011/10/2010 7:15:40 PM
1traveler$25.00$25.0011/10/2010 9:04:30 PM
Mark-M$25.00$25.0011/10/2010 9:54:36 PM
hope-eagle6$25.00$25.0011/10/2010 3:28:25 PM
handshake5$33.17$33.1711/10/2010 7:59:48 PM
SolarMoonshine$50.00$50.0011/11/2010 4:03:42 AM
WalnutCreekguy$50.00$50.0011/11/2010 8:51:11 AM
rhin0cerx$50.00$50.0011/11/2010 10:44:10 AM
consummate-loyalty1$50.00$50.0011/11/2010 12:16:39 PM
realtormoises$25.00$25.0011/11/2010 2:10:59 PM
icon7$25.00$25.0011/11/2010 2:12:05 PM
sensational-peace6$75.00$75.0011/11/2010 2:32:10 PM
ultimate-peace$25.00$25.0011/11/2010 2:07:33 PM
money-fort$25.00$25.0011/11/2010 2:12:43 PM
Bizyhusbandnfather$25.00$25.0011/11/2010 2:28:23 PM
90 bids
 
Borrower Payment Dependent Notes Series 482923
This series of Notes was issued and sold upon the funding of the borrower loan #45326, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-05-2010 
  Auction end date:  Nov-12-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $135.71
 
Auction yield range: 16.57% - 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-1998 Debt/Income ratio: 21%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 13Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 49 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $60,602Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: money-scrutinzer 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 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2009)
 
Principal balance: $809.40 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying off Mother's Medical Bills
Purpose of loan:
This loan will be used to?pay off my mother's medical bills which were not covered by insurance as she has Cancer.?

My financial situation:
I am a good candidate for this loan because I have a steady job, have never been out of work and make my payments on time.? I am working to pay off debts that were incurred to pay off parents medical bills.

Monthly net income: $ 8,000

Monthly expenses: $
??Housing: $ 1400
??Insurance: $?177
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
brother_tam$50.00$50.0011/5/2010 3:23:19 PM
velocity-solo$25.00$25.0011/5/2010 3:30:36 PM
reflective-rupee$44.00$44.0011/5/2010 3:47:34 PM
glroark$50.00$50.0011/5/2010 8:18:26 PM
Kash2010lu$35.00$35.0011/6/2010 7:34:07 AM
Thylow$100.00$100.0011/7/2010 5:15:28 PM
inspiring-reward$75.00$75.0011/7/2010 6:58:04 PM
mikeandcat$100.00$100.0011/8/2010 6:00:10 AM
restless-dime$26.00$26.0011/8/2010 7:20:53 AM
Comoparklender$25.00$25.0011/8/2010 4:29:56 PM
zone6$100.00$100.0011/9/2010 3:54:19 AM
money-fort$30.00$30.0011/9/2010 6:09:25 PM
superb-kindness2$50.00$50.0011/10/2010 7:10:03 AM
graceful-investment$100.00$100.0011/10/2010 2:34:15 PM
well-mannered-income3$40.00$40.0011/10/2010 7:31:28 PM
dudebrah$25.00$25.0011/11/2010 8:21:50 AM
realtormoises$25.00$25.0011/11/2010 2:14:28 PM
lucrative-transparency0$25.00$25.0011/11/2010 2:47:01 PM
reflective-rupee$44.00$44.0011/11/2010 2:38:13 PM
dedicated-transaction796$50.00$50.0011/11/2010 3:07:13 PM
green-capital-hornet$25.00$25.0011/11/2010 3:06:59 PM
orangetrust$50.00$50.0011/11/2010 3:08:10 PM
vanklein$25.00$25.0011/11/2010 3:30:13 PM
sensible-fund$50.00$50.0011/11/2010 3:43:43 PM
sturdy-peace9$36.00$36.0011/11/2010 4:57:44 PM
Bob450$25.00$25.0011/11/2010 8:25:52 PM
head$25.00$25.0011/12/2010 6:38:31 AM
golffish2$100.00$100.0011/12/2010 7:33:18 AM
squarebob$25.00$25.0011/12/2010 7:26:29 AM
gain-implementer$285.00$285.0011/12/2010 7:33:53 AM
thebadpelican$25.00$25.0011/12/2010 7:02:38 AM
valiant-liberty4$25.00$25.0011/5/2010 3:31:33 PM
forthright-dedication$25.00$25.0011/5/2010 3:37:54 PM
Artist_Blue$25.00$25.0011/5/2010 3:37:11 PM
reflective-rupee$44.00$44.0011/5/2010 3:46:52 PM
reflective-rupee$44.00$44.0011/5/2010 3:47:48 PM
reflective-rupee$44.00$44.0011/5/2010 3:47:14 PM
Thylow$100.00$100.0011/6/2010 1:47:33 PM
big_balla_papi$25.00$25.0011/8/2010 6:16:13 AM
money-bauble$25.00$25.0011/8/2010 7:55:45 AM
helping-out$25.00$25.0011/8/2010 4:23:50 PM
restless-dime$26.00$26.0011/8/2010 6:20:23 PM
flwah$25.00$25.0011/9/2010 6:35:17 AM
JustMee$25.00$25.0011/9/2010 8:21:42 AM
villagers$25.00$25.0011/10/2010 1:32:17 AM
tech310$25.00$25.0011/10/2010 10:58:54 AM
gelidfrank$25.00$25.0011/10/2010 8:00:11 PM
reflective-rupee$44.00$44.0011/11/2010 2:37:30 PM
108lender$50.00$50.0011/11/2010 2:46:58 PM
honorable-yield$25.00$25.0011/11/2010 3:07:43 PM
kind-efficient-credit$25.00$13.4511/11/2010 3:08:49 PM
Moe87$25.00$25.0011/11/2010 6:18:11 PM
loss-of-control$50.00$50.0011/11/2010 5:06:45 PM
loss-of-control$50.00$50.0011/11/2010 5:06:24 PM
DenimCapital$250.00$250.0011/11/2010 9:47:50 PM
amor1962$25.00$25.0011/12/2010 4:45:03 AM
squarebob$48.55$48.5511/12/2010 7:27:10 AM
debestof83$25.00$25.0011/12/2010 7:15:38 AM
gold-cluster$100.00$100.0011/12/2010 6:13:21 AM
heerzaquestion$25.00$25.0011/12/2010 6:38:23 AM
principal-laser$46.00$46.0011/12/2010 7:08:53 AM
61 bids
 
Borrower Payment Dependent Notes Series 482977
This series of Notes was issued and sold upon the funding of the borrower loan #45332, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 60 months Estimated loss: 3.50% Auction start date:  Nov-05-2010 
  Auction end date:  Nov-12-2010 
 
Starting lender yield: 12.95% Starting borrower rate/APR: 13.95% / 15.33% Starting monthly payment: $348.64
Final lender yield: 12.95% Final borrower rate/APR: 13.95% / 15.33% Final monthly payment: $348.64
 
Auction yield range: 4.06% - 12.95% Estimated loss impact: 3.55%  
Lender servicing fee: 1.00% Estimated return: 9.40%  
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): 9 First credit line: Aug-1984 Debt/Income ratio: 10%
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,706Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: RiskManiac 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
Finance Work in Progress
My colleagues and I created a Cultural Resource Management firm in June 2009. Basically, this is people who do Archeology projects for private and public entities.

5% of all the gross revenue from the firm is donated back to the USU Anthropology Program. The program uses this money to fund scholarships for students. In addition, the firm creates employment opportunities for students after graduation. Any profits the firm generates will be used to fund student and faculty research. The idea of the firm was to leverage the technical abilities of the faculty to create a self sustaining enterprise to fund scholarly programs and therefore avoid the need for governmental subsidies. We are looking to the future whereby governmental money is no longer an option.

USUAS (see www.usuas.com) is just now starting to turn the corner and has a substantial backlog. The owners are university employees, we have put in all the money we have to finance the work in process- (wages, per diem, mileage, lodging). We are a tad short of operating cash and this loan will get us over the hump. Consistent with our goals and objectives, avoiding governmental programs like SBA loans leads us perfectly into the world of prosper.

This is a great opportunity to help support the preservation of cultural resources and assist a creative bunch in getting away from governmental support.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, how much money have you invested in this venture? Can you please tell us about your public record. Thanks and good luck. - interest88
A: We have invested over $80,000. I am not sure what that record is. I am assuming it had to do with my unfortunate divorce. that was long ago in a lifetime far far away. (Nov-09-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
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intuitive-velocity4$50.00$50.0011/10/2010 9:34:01 AM
income-sage9$25.00$25.0011/10/2010 9:33:05 AM
wtrboy$50.00$50.0011/10/2010 9:56:50 AM
visionary-currency$27.81$27.8111/10/2010 7:23:18 AM
Errylend$50.00$50.0011/10/2010 10:53:11 AM
liberty-carnival$25.00$25.0011/10/2010 1:18:15 PM
Millmanator$50.00$50.0011/10/2010 1:28:19 PM
nalaari$25.00$25.0011/10/2010 9:56:42 AM
MrBluesummers$50.00$50.0011/10/2010 3:07:07 PM
auction-seeker$25.00$25.0011/10/2010 4:08:24 PM
golden-bid9$25.00$25.0011/10/2010 8:33:42 PM
gmilliken$25.00$25.0011/10/2010 7:13:27 PM
alaco$25.00$25.0011/10/2010 8:09:42 PM
sappy02$40.00$40.0011/10/2010 8:33:22 PM
me2yu$80.00$80.0011/10/2010 9:09:20 PM
aha6297$25.00$25.0011/11/2010 3:25:23 AM
PatRichi$25.00$25.0011/11/2010 3:18:23 AM
loan-master996$37.71$37.7111/11/2010 3:19:36 AM
mcabery$100.00$100.0011/11/2010 3:50:58 AM
nolahelper$25.00$25.0011/11/2010 7:32:55 AM
Heather11$25.00$25.0011/11/2010 7:29:20 AM
Marathoner$25.00$25.0011/11/2010 8:21:18 AM
secondphase$50.00$50.0011/11/2010 9:01:18 AM
golden-platinum7$25.00$25.0011/11/2010 10:03:12 AM
loiosh$50.00$50.0011/11/2010 10:19:18 AM
laufer32304$50.00$50.0011/11/2010 11:38:11 AM
lagnisiruk$25.00$25.0011/11/2010 11:38:47 AM
jamiee73$25.00$25.0011/11/2010 11:37:36 AM
important-ore$100.00$100.0011/11/2010 11:39:00 AM
dinero-speaker$25.00$25.0011/11/2010 11:39:39 AM
omerta6102$33.29$33.2911/11/2010 11:41:11 AM
SoCalRancher$25.00$25.0011/11/2010 11:38:09 AM
investment-tempo$40.94$40.9411/11/2010 11:38:31 AM
lenderKP$25.00$25.0011/11/2010 11:41:47 AM
iamricher$25.00$25.0011/11/2010 11:38:47 AM
TrustPlus$50.00$50.0011/11/2010 11:38:58 AM
flexible-return297$50.00$50.0011/11/2010 11:38:08 AM
KiwiElf$35.00$35.0011/11/2010 11:39:30 AM
ladderskibum$25.00$25.0011/11/2010 11:38:33 AM
contract-boomerang$25.00$25.0011/11/2010 11:38:44 AM
galvatron$50.00$50.0011/11/2010 11:38:48 AM
the-money-position$29.55$29.5511/11/2010 11:39:10 AM
tuneman1980$25.00$25.0011/11/2010 12:12:36 PM
ash135$46.04$46.0411/11/2010 11:39:32 AM
WorldlyWorker$25.00$25.0011/11/2010 11:41:03 AM
witty-openness$25.00$25.0011/11/2010 11:41:52 AM
misterhobbs$25.00$25.0011/11/2010 12:12:17 PM
mustangcobra$25.00$25.0011/11/2010 11:47:56 AM
silver-armada$39.70$39.7011/11/2010 1:05:51 PM
Phantom99$25.00$25.0011/11/2010 1:09:28 PM
WorkingMauiMom$25.00$25.0011/11/2010 1:44:42 PM
rupee-prairie$25.00$25.0011/11/2010 1:24:13 PM
intuitive-camaraderi9$25.00$25.0011/11/2010 1:46:26 PM
jtc26$159.65$159.6511/11/2010 2:30:30 PM
damanq$50.00$50.0011/11/2010 2:38:05 PM
mooselegs19$50.00$50.0011/11/2010 3:02:08 PM
TeamAmerica$25.00$25.0011/11/2010 3:02:11 PM
myextracash$25.00$25.0011/11/2010 3:07:23 PM
BuzzyBee336$35.00$35.0011/11/2010 9:42:57 PM
dollymama$25.00$25.0011/12/2010 8:18:29 AM
integrity-cowbell$30.00$30.0011/12/2010 7:25:53 AM
social-zebra$27.00$27.0011/12/2010 8:17:53 AM
profitable-money$25.00$25.0011/12/2010 9:41:06 AM
Crisscross$25.00$25.0011/12/2010 11:29:26 AM
ilend57$25.00$25.0011/12/2010 11:56:41 AM
exact-peso2$25.00$25.0011/12/2010 1:24:37 PM
Mindful7$25.00$25.0011/12/2010 12:32:34 PM
triumph329$50.00$50.0011/12/2010 12:55:04 PM
grampy48$30.00$30.0011/12/2010 1:57:47 PM
exchange-upholder0$25.00$25.0011/12/2010 2:50:59 PM
377 bids
 
Borrower Payment Dependent Notes Series 483031
This series of Notes was issued and sold upon the funding of the borrower loan #45345, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60% Auction start date:  Nov-05-2010 
  Auction end date:  Nov-12-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 26.82% Final monthly payment: $37.68
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 37.73%  
Lender servicing fee: 1.00% Estimated return: -17.73%  
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): 1 First credit line: Jul-2009 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bountiful-dedication Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2010)
640-659 (Feb-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
Relist:Furnishing my new home !
Purpose of loan:
This loan will be used to?
furnish my new apartment
My financial situation:
I am a good candidate for this loan because?
This is my second prosper loan and am trying to build my credit as well. I
paid my first loan in less than 6months I also plan to do same with this second loan, pay it off under a year.? I?will be repaying as much as $150 monthly when the loan is fully funded to meet my under a year "completely?paid"
plan. I got a great deal from a local furniture store for half of my budget to furnish my new home so?I paid half already in cash.?Am RELISTING my posting for?the balance $1000 to cover the rest.?Am WORTH placing a bid on because I?pay all my bills early and on time,my business is doing?excellently?well and I REALLY WANT TO GROW MY CREDIT TO THE 800's.Thanks Everyone for considering this listing!?
Monthly net income: $3600-$4900

Monthly expenses: $1454?
??Housing: $?
??Insurance: $
??Car expenses$
??Utilities: $
??Phone, cable, internet:?
??Food, entertainment:
??Clothing, household expenses $0
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What do you do for a living? - smarva
A: Hi, I own a hair braiding salon and beauty shop.have been in business since 08. You can check out my website @ www.niasoulebraidskreations.com thanks (Nov-08-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
chiwang$48.32$48.3211/10/2010 2:36:33 PM
Leshan$66.66$40.7111/11/2010 3:20:24 PM
entertaining-revenue$30.97$30.9711/11/2010 10:51:42 PM
loanman2007$75.00$75.0011/12/2010 4:43:28 AM
economy-popcorn$25.00$25.0011/12/2010 12:50:00 PM
honey-money$25.00$25.0011/12/2010 1:52:19 PM
eagle1271$25.00$25.0011/12/2010 1:19:18 PM
matthewa$25.00$25.0011/9/2010 8:35:33 PM
alexgalt$100.00$100.0011/10/2010 12:40:46 AM
investment-artist$50.00$50.0011/10/2010 9:53:51 AM
hillerod$25.00$25.0011/10/2010 4:27:26 PM
q4golf$25.00$25.0011/10/2010 5:32:21 PM
TJJ3232$25.00$25.0011/10/2010 6:13:37 PM
GALERXLoans$30.00$30.0011/10/2010 7:10:49 PM
marwadi-62$200.00$200.0011/11/2010 4:05:41 PM
convergentthinker$25.00$25.0011/11/2010 8:15:42 PM
minnesotafinancial$25.00$25.0011/12/2010 8:36:38 AM
zxr$25.00$25.0011/12/2010 7:27:30 AM
Fire2$25.00$25.0011/12/2010 7:47:19 AM
GS-ROCK$25.00$25.0011/12/2010 8:19:36 AM
ultimate-peace$50.00$50.0011/12/2010 1:52:04 PM
heerzaquestion$25.00$25.0011/12/2010 1:18:23 PM
kinetic-social$25.00$25.0011/12/2010 2:49:36 PM
p2ploan-sensation211$25.00$25.0011/12/2010 3:02:42 PM
24 bids
 
Borrower Payment Dependent Notes Series 483185
This series of Notes was issued and sold upon the funding of the borrower loan #45341, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-11-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $89.74
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $89.74
 
Auction yield range: 13.57% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1997 Debt/Income ratio: 38%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 24 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,899Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: clean-marketplace5 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
putting in new windows
Purpose of loan:
This loan will be used to?put in windows

My financial situation:is good
I am a good candidate for this loan because?i pay my debts

Monthly net income: $ 1100

Monthly expenses: $ 680.00
??Housing: $0
??Insurance: $0
??Car expenses: $o
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $0
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loyalist1$50.00$50.0011/8/2010 2:44:24 PM
velocity-solo$25.00$25.0011/8/2010 3:03:52 PM
kulender$50.00$50.0011/8/2010 3:24:25 PM
Midwestvalues$100.00$100.0011/8/2010 3:21:04 PM
personal-lender$25.00$25.0011/9/2010 6:16:02 AM
Anny-Disco$50.00$50.0011/9/2010 8:55:05 AM
finance-mushroom$100.00$100.0011/9/2010 9:41:44 AM
6moonbeams$50.00$50.0011/9/2010 10:29:33 AM
jigsaw$50.00$50.0011/9/2010 3:43:26 PM
courteous-kindness1$50.00$50.0011/9/2010 9:57:08 PM
BradP$50.00$50.0011/10/2010 12:57:40 PM
orderly-leverage$41.39$41.3911/10/2010 9:47:46 AM
heretohelp1$70.00$70.0011/10/2010 2:04:55 PM
hope-eagle6$25.00$25.0011/10/2010 3:29:03 PM
PAULBOT$100.00$100.0011/11/2010 12:26:25 AM
WalnutCreekguy$50.00$50.0011/11/2010 8:51:28 AM
rhin0cerx$50.00$30.6311/11/2010 10:44:34 AM
simplelender80$200.00$200.0011/8/2010 3:03:10 PM
valiant-liberty4$25.00$25.0011/8/2010 3:20:17 PM
bid-czar8$50.00$50.0011/8/2010 3:06:36 PM
precious-coin3$25.00$25.0011/8/2010 3:09:55 PM
Comoparklender$25.00$25.0011/8/2010 3:13:28 PM
Artist_Blue$25.00$25.0011/8/2010 4:08:47 PM
radiant-loan5$200.00$200.0011/8/2010 4:27:33 PM
missing-link$51.09$51.0911/9/2010 6:16:08 AM
nickel-hickory$25.00$25.0011/9/2010 6:15:03 AM
money-bauble$25.00$25.0011/9/2010 8:09:05 AM
platinum-celebration4$25.00$25.0011/9/2010 3:47:17 PM
inspiring-reward$75.00$75.0011/9/2010 8:53:56 PM
nickel-hickory$25.00$25.0011/10/2010 10:38:26 AM
bountiful-durability$27.38$27.3811/10/2010 2:04:18 PM
ah-long$25.00$25.0011/10/2010 2:32:30 PM
Banker_Joe$50.00$50.0011/10/2010 2:54:31 PM
honey-money$25.00$25.0011/10/2010 5:40:03 PM
respectful-credit3$29.51$29.5111/10/2010 8:07:40 PM
sweetlan$25.00$25.0011/10/2010 8:09:16 PM
850$50.00$50.0011/11/2010 12:00:59 AM
direct-social3$50.00$50.0011/11/2010 2:09:09 AM
Kaj$25.00$25.0011/11/2010 3:57:47 AM
39 bids
 
Borrower Payment Dependent Notes Series 483243
This series of Notes was issued and sold upon the funding of the borrower loan #45360, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,800.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-15-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $215.37
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $215.37
 
Auction yield range: 13.57% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1987 Debt/Income ratio: 25%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 12Length of status:20y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $20,581Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: wampum-merry-maker Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a credit card
Purpose of loan:
This loan will be used to pay down?a credit card...spread debt over 3 years to make?payback?more manageable?

My financial situation:
I am a good candidate for this loan because have always pay?my bills and debt??

Monthly?Gross and Rental?income: $ 13209
Monthly expenses: $7022
??Housing: $ 3072?
??Insurance: $300
??Car expenses: $ 1500
??Utilities: $ 300
??Phone, cable, internet: $100?
??Food, entertainment: $500
??Clothing, household expenses $ 250
??Credit cards and other loans: $?1000
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What was the reason for the delinquency on your credit profile within the last 7 years? - ZPBSFinancialGroup
A: State income tax from amended return. I was making monthly payments and the state filed judgement in error. I paid the debt 2.3k in full at receipt of the intent to file lien. I have filed dispute with credit bureau too have removed. (Nov-09-2010)
Q: You are saying you have $6000/month income over your expenses. Why not use that to pay off your credit cards and not take out this loan at a ridiculously high interest rate? - Pu239
A: it is not a revolving credit card...the balance must be paid in full each month. Had an emergency and needed funds to cover expenses. I will repay this loan early (Nov-13-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bid-czar8$50.00$50.0011/8/2010 3:06:43 PM
valiant-liberty4$25.00$25.0011/8/2010 3:20:24 PM
Comoparklender$25.00$25.0011/8/2010 3:13:37 PM
ZPBSFinancialGroup$25.00$25.0011/8/2010 3:43:45 PM
money-bauble$25.00$25.0011/9/2010 8:09:11 AM
Anny-Disco$50.00$50.0011/9/2010 8:54:56 AM
forthright-dedication$25.00$25.0011/9/2010 11:10:32 AM
missing-link$100.00$100.0011/9/2010 3:44:14 PM
personal-lender$25.00$25.0011/9/2010 3:40:03 PM
jigsaw$50.00$50.0011/9/2010 8:54:08 PM
courteous-kindness1$50.00$50.0011/9/2010 9:58:03 PM
orderly-leverage$100.00$100.0011/10/2010 2:34:02 PM
bountiful-durability$50.00$50.0011/10/2010 3:02:30 PM
commerce-web5$50.00$50.0011/11/2010 3:05:45 PM
lendstats_com$200.00$200.0011/11/2010 10:26:16 PM
bulsa$100.00$100.0011/12/2010 10:15:53 AM
graceful-investment$60.00$60.0011/12/2010 1:44:47 PM
musegaze$100.00$100.0011/12/2010 2:11:45 PM
TrekTune$25.00$25.0011/12/2010 6:39:22 PM
shrewd-deal$25.00$25.0011/12/2010 10:06:09 PM
basis-image$40.00$40.0011/13/2010 7:41:56 AM
ferocious-finance$25.00$25.0011/13/2010 11:21:49 AM
Whipster$25.00$25.0011/13/2010 8:14:56 PM
power-secret-agent$25.00$25.0011/13/2010 4:46:33 PM
Investoman$25.00$25.0011/13/2010 5:29:08 PM
ingenious-deal6$25.00$25.0011/13/2010 9:21:15 PM
Mighty_Hunter$25.00$25.0011/13/2010 9:34:35 PM
Leshan$33.14$33.1411/13/2010 10:20:13 PM
payment-gusto$25.00$25.0011/14/2010 9:49:24 AM
wise-balanced-moola$25.00$25.0011/14/2010 11:04:11 AM
Tono$30.00$30.0011/14/2010 4:29:12 PM
building_community$25.00$25.0011/14/2010 12:49:24 PM
MadHun$50.00$50.0011/14/2010 4:22:00 PM
money4sale$26.00$26.0011/14/2010 6:02:04 PM
honey-money$25.00$25.0011/14/2010 7:03:18 PM
simplelender80$200.00$200.0011/8/2010 3:03:18 PM
velocity-solo$25.00$25.0011/8/2010 3:03:57 PM
kulender$50.00$50.0011/8/2010 3:24:31 PM
Artist_Blue$25.00$25.0011/8/2010 4:08:38 PM
inspiring-reward$150.00$150.0011/8/2010 4:21:06 PM
Midwestvalues$50.00$50.0011/8/2010 4:28:05 PM
radiant-loan5$25.00$25.0011/9/2010 4:58:57 AM
finance-mushroom$100.00$100.0011/9/2010 9:41:51 AM
commerce-stronghold$50.00$50.0011/9/2010 2:03:42 PM
6moonbeams$50.00$50.0011/9/2010 10:29:38 AM
nickel-hickory$25.00$25.0011/9/2010 3:37:43 PM
platinum-celebration4$25.00$25.0011/10/2010 2:35:10 PM
hope-eagle6$25.00$25.0011/10/2010 3:29:12 PM
Kaj$25.00$25.0011/11/2010 3:57:56 AM
WalnutCreekguy$50.00$50.0011/11/2010 8:51:34 AM
rhin0cerx$50.00$50.0011/11/2010 10:44:44 AM
108lender$250.00$250.0011/11/2010 12:30:16 PM
ah-long$25.00$25.0011/11/2010 2:29:51 PM
flwah$25.00$25.0011/11/2010 3:01:10 PM
helping-out$25.00$25.0011/11/2010 3:01:55 PM
FeedTheMachine$50.00$50.0011/11/2010 3:06:28 PM
SolarMoonshine$25.00$25.0011/11/2010 5:47:23 PM
suave-dime6$25.00$25.0011/11/2010 7:38:10 PM
villagers$25.00$25.0011/12/2010 9:38:32 AM
fizicks06$47.53$47.5311/12/2010 3:20:49 PM
sosleep$25.00$25.0011/12/2010 3:44:15 PM
CashFlow13$1,250.00$1,250.0011/13/2010 7:34:44 AM
verdiprr$50.00$50.0011/13/2010 7:37:32 AM
unassassinable$25.00$25.0011/13/2010 12:54:17 PM
retired272$25.00$25.0011/13/2010 12:06:24 PM
bluehen00$100.00$100.0011/13/2010 4:21:38 PM
Mighty_Hunter$25.00$25.0011/13/2010 9:34:55 PM
wlm3012$25.00$25.0011/14/2010 8:13:04 AM
spiff666$25.00$25.0011/14/2010 8:57:48 AM
first-serene-credit$25.00$25.0011/14/2010 6:33:47 AM
richboy56$25.00$25.0011/14/2010 11:44:13 AM
best-unbeatable-transaction$25.00$25.0011/14/2010 8:59:32 AM
Gobsek$25.00$25.0011/14/2010 3:50:40 PM
dedicated-transaction796$50.00$50.0011/14/2010 10:53:21 AM
preciousrazor$50.00$7.3311/14/2010 7:18:07 PM
natural-greenback6$25.00$25.0011/14/2010 6:05:55 PM
social-zebra$26.00$26.0011/14/2010 4:18:34 PM
Tono$30.00$30.0011/14/2010 4:28:12 PM
78 bids
 
Borrower Payment Dependent Notes Series 483259
This series of Notes was issued and sold upon the funding of the borrower loan #45329, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-14-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $120.47
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 24.41% Final monthly payment: $113.03
 
Auction yield range: 10.57% - 24.75% Estimated loss impact: 10.28%  
Lender servicing fee: 1.00% Estimated return: 9.72%  
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): 9 First credit line: Feb-1986 Debt/Income ratio: 8%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:36y 8m
Amount delinquent: $0 Total credit lines: 54 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,316Stated income:$75,000-$99,999
Delinquencies in last 7y: 15 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: NEXTINLINE Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 4 On-time: 48 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,272.00< 31 days late: 0 ( 0% )  
700-719 (Feb-2010)
700-719 (Dec-2009)
700-719 (Jan-2008)
660-679 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 48  
Description
Modernize my condo apt.
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: what are your current fixed monthly income and expenses? - beakerfish
A: My current financial statement has 'net' monthly income of $4,280 which breaks down as: $2,477 employement; $1,725.00 roommate rents and $78 pension benefit. My total monthly exprenses are: a) mortgage/condo fee/insurance: $2,115; food/household expenses/utilities: $610.00; b)credit cards/loans: $700.00; c) commuting/health club/personal care items/doctor services/savings: $855.00. (Nov-08-2010)
Q: Hi, Why do you have 15 delinquencies? - p2ploan-sensation211
A: The majority of these delinquencies were from my dispute with my main mortgage holder Bank of America with which a had a variable rate mortgate of 10pct which was going to readjust to a higher rate which I couldn't afford. Joined a counseling group called NACA and they represented me in my dispute and after 14months, BofA agreed to amend my mortgate to a fixed rate of 2pct per year for 30 years. During the course of the dispute, NACA advised me NOT to pay my monthly mortgate payments. (Nov-14-2010)
Q: What are the specific upgrades you are planning to accomplish? - jpblan11
A: Two upgrades: new kitchen cabinets and new countertops. Original kitchen in my condo unit not upgraded since built in 1967/old looking! (Nov-14-2010)
Q: Hi, Why do you have so many delinquencies? Do you still use credit cards a lot? Thanks, - p2ploan-sensation211
A: Delinquencies were related to my high adjustable rate mortgate with Bank of America which adjusted to a high int rate which I couldn't afford. Joined NACA who lobbied on my behalf and got my mort down to 2pct fixed 30 yrs with BofA but during the course of negotiations, had to run up my cc to be able to pay the higher rate. Credit card usage now minimal and paying off the (5) I have with goal to reduce to 50pct of limit each of them. FICO at 677 now. (Nov-14-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loyalist1$50.00$50.0011/8/2010 3:29:29 PM
SolarMoonshine$25.00$25.0011/9/2010 6:34:34 PM
alexgalt$100.00$100.0011/10/2010 12:40:52 AM
Aberdeen$999.99$999.9911/9/2010 6:39:59 PM
interstellar$50.00$50.0011/10/2010 12:55:23 AM
Rearden_Steel$25.00$25.0011/10/2010 9:04:36 AM
Reliance_Banker$25.00$25.0011/11/2010 7:18:01 PM
hookUup$200.00$200.0011/11/2010 9:01:53 PM
golffish2$200.00$200.0011/12/2010 7:34:07 AM
aganippe$100.00$100.0011/12/2010 9:18:17 AM
hookUup$80.41$80.4111/12/2010 4:05:43 PM
aztocas$25.00$25.0011/13/2010 8:58:23 AM
Dollars4Rent$25.00$25.0011/13/2010 11:19:10 AM
Leshan$100.00$100.0011/13/2010 10:16:16 PM
bitano$42.26$42.2611/14/2010 7:42:15 AM
Moe87$25.00$25.0011/14/2010 8:28:40 AM
wlm3012$25.00$25.0011/14/2010 8:15:32 AM
lender12345$25.00$25.0011/14/2010 1:27:46 PM
honey-money$25.00$25.0011/14/2010 1:42:40 PM
grampy48$50.00$50.0011/14/2010 7:47:14 PM
MoneyForNothing$115.23$115.2311/8/2010 9:47:37 PM
economy-popcorn$25.00$25.0011/9/2010 6:41:51 AM
tcpfan$25.00$25.0011/9/2010 12:54:58 PM
cashhelp$30.00$30.0011/10/2010 1:24:46 AM
loanman2007$150.00$150.0011/10/2010 5:27:51 AM
FinanceEngine$25.00$25.0011/10/2010 6:44:57 AM
wlm3012$25.00$25.0011/10/2010 2:55:13 PM
Finchy78$25.00$25.0011/10/2010 3:47:36 PM
LARRY4NY$25.00$25.0011/11/2010 1:39:11 PM
precious-coin3$25.00$25.0011/12/2010 3:14:35 PM
loans_to_loan$25.00$25.0011/12/2010 6:41:37 PM
benefit-boots$25.00$25.0011/12/2010 10:16:11 PM
squarebob$25.00$25.0011/13/2010 8:09:53 AM
principal-star$25.00$25.0011/13/2010 10:37:16 AM
squarebob$25.00$25.0011/13/2010 8:09:34 AM
coldfuzion$90.00$90.0011/13/2010 9:08:51 AM
Jordan1123$25.00$14.1111/13/2010 2:29:11 PM
BlueSharp$25.00$25.0011/13/2010 7:53:40 PM
social-zebra$28.00$28.0011/14/2010 4:11:09 PM
atlas100$50.00$50.0011/14/2010 6:31:18 PM
40 bids