Sales Report:Supplement No. 78 dated Nov 18, 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 441957
This series of Notes was issued and sold upon the funding of the borrower loan #45398, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,800.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30% Auction start date:  Nov-10-2010 
  Auction end date:  Nov-17-2010 
 
Starting lender yield: 6.45% Starting borrower rate/APR: 7.45% / 7.79% Starting monthly payment: $118.12
Final lender yield: 6.30% Final borrower rate/APR: 7.30% / 7.64% Final monthly payment: $117.85
 
Auction yield range: 2.57% - 6.45% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1995 Debt/Income ratio: 17%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 31 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,257Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: MicroBanker 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 / 1 On-time: 18 ( 100% ) 780-799 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
820-839 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
AA repeat borrower consolidating CC
No sense in hiding, let's get to the first thing you noticed first; 1 public record. That is a Bankruptcy from almost 10 years ago (it will drop off in August 2001). I was young and learned my lesson. Since then I haven't been so much as 30 days late on any loan/note/obligation (as reflected by my credit score).


This loan will be used to consolidate some credit card debt. I am not sure where Prosper gets $8257 in revolving debt from. It think the difference my be due to timing on credits and payments on the card I use for monthly expenses. I put all expenses on credit card and then pay that "monthly" card in full each month. My actually revolving debt is $5740 (as of last statement). I am requesting a loan of $3800 and the VA is in the process of reimbursing me $2000 (GI BILL) for a certification bootcamp. Those two funding sources will be used to pay my revolving debt down to $0.

When explaining my income it is useful for me to explain that my wife & I to avoid conflicts over money contribute $1700 each towards the household expenses (jointly incurred expenses).

So my monthly income statement is pretty simple:
Gross Wages $3,875
Taxes $(800)
401K $(250)
Household $(1,700)
Auto Loan $(350)
Student Loan $(150)
Discretionary Income $625

Now that doesn?t really tell you much so here is a breakdown of the ?household?. Note my wife?s income isn?t considered for this loan it simply helps to explain where the $1700 is ?going?.
Contribution ($1700 ea) $3,400
Mortgage (and insurance) $(1,385) * no cash out refinance which is why it is lower than in 2008
Utilities (including internet & cellphone) $(330)
Gasoline $(250)
Insurance (auto & life) $(80)
Groceries $(500)
Restaurants $(400)
Net $455

Once again just to be incredibly clear I am taking this loan, I am paying this loan, only my income is being considered for this loan.
My ?half? of household expenses is $1700. The above breakdown is simply illustrative of where that expense is going.
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)
blot44$25.00$25.0011/10/2010 2:46:43 PM
direct-social3$50.00$50.0011/11/2010 2:09:19 AM
RiskManiac$25.00$25.0011/11/2010 8:00:48 PM
JoeXB$25.00$25.0011/12/2010 9:27:12 AM
theskippy$25.00$25.0011/12/2010 4:36:05 PM
jpblan11$25.00$25.0011/13/2010 2:53:31 AM
tolerant-dinero2$25.00$25.0011/13/2010 10:06:03 AM
travels536$25.00$25.0011/13/2010 11:48:38 AM
stephen_c01$25.00$25.0011/13/2010 11:50:14 AM
Nasdaq$25.00$25.0011/14/2010 8:43:17 AM
cerebral-dollar773$50.00$50.0011/14/2010 8:05:09 AM
lender12345$25.00$25.0011/14/2010 1:30:10 PM
hookUup$28.13$28.1311/15/2010 7:44:52 AM
UCSBGAUCHOS$30.00$30.0011/15/2010 6:40:04 AM
circustab$50.00$50.0011/15/2010 12:34:35 PM
hondo44$30.00$30.0011/15/2010 2:58:45 PM
ready-agreement5$100.00$100.0011/15/2010 3:22:41 PM
EODLEGS$25.00$25.0011/15/2010 4:59:40 PM
Dollars4Rent$25.00$25.0011/16/2010 10:59:05 AM
Bodyboard$26.99$26.9911/16/2010 3:45:03 PM
Isotope$25.00$25.0011/16/2010 3:52:19 PM
jchurchi$120.14$120.1411/16/2010 3:40:48 PM
Snoopylover$25.00$25.0011/16/2010 5:03:25 PM
productive-finance$30.00$30.0011/16/2010 5:33:39 PM
shadowflame_99$25.00$25.0011/16/2010 5:36:27 PM
affert$28.84$28.8411/16/2010 9:11:55 PM
sweety075$25.00$25.0011/16/2010 9:17:33 PM
help4u$150.00$150.0011/16/2010 6:21:53 PM
Tiger6543$25.00$25.0011/17/2010 12:39:54 AM
piano55$25.00$25.0011/17/2010 9:26:30 AM
debt-legend$25.00$25.0011/17/2010 8:00:23 AM
bankojerry$25.00$25.0011/17/2010 9:43:41 AM
mrnazraq$25.00$25.0011/17/2010 1:59:13 PM
ryan6853$25.00$25.0011/17/2010 10:04:51 AM
economy-equilibrium7$50.00$50.0011/17/2010 2:29:49 PM
ttnk62918$25.00$25.0011/17/2010 1:59:18 PM
UCSBGAUCHOS$35.31$35.3111/17/2010 2:08:58 PM
friendinmoney$25.00$25.0011/17/2010 2:27:04 PM
fcb202$33.91$33.9111/17/2010 1:59:11 PM
orbital-return316$25.00$25.0011/17/2010 2:28:00 PM
THEHORN$25.00$25.0011/10/2010 3:39:42 PM
mjunlimited$50.00$50.0011/10/2010 2:54:12 PM
encouraging-fund$25.00$25.0011/10/2010 7:02:58 PM
Cheburashka$30.09$30.0911/11/2010 2:45:24 AM
titan2$25.00$2.7511/11/2010 9:36:59 AM
MoneyForNothing$29.43$29.4311/11/2010 11:09:50 AM
encore06$25.00$25.0011/12/2010 8:18:56 AM
Heater36$25.00$25.0011/12/2010 2:07:28 PM
TomDalonajay$25.00$25.0011/12/2010 3:20:33 PM
RandyL3$25.00$25.0011/12/2010 3:21:03 PM
cassidyauction$25.00$25.0011/12/2010 5:12:27 PM
pshans$85.67$85.6711/12/2010 8:10:26 PM
Alastor$100.00$100.0011/12/2010 7:04:21 PM
Aberdeen$999.99$999.9911/12/2010 8:10:35 PM
lawndude16$25.00$25.0011/13/2010 9:43:47 AM
travels536$25.00$25.0011/13/2010 11:47:38 AM
RecoveryLender$25.00$25.0011/13/2010 11:04:13 AM
squarebob$25.00$25.0011/13/2010 1:32:55 PM
crdcteng$25.00$25.0011/14/2010 7:49:48 AM
TJ-Financial-Group$30.00$30.0011/14/2010 1:04:18 PM
Rick21$50.00$50.0011/15/2010 11:21:17 AM
first-serene-credit$25.00$25.0011/15/2010 11:14:02 AM
galloping_unicorns_batman$25.00$25.0011/15/2010 11:16:27 AM
euro-deployment$25.00$25.0011/15/2010 3:07:25 PM
foldingbenny2$60.00$60.0011/15/2010 3:20:53 PM
FundMaker$25.00$25.0011/15/2010 3:33:16 PM
Dollars4Rent$25.00$25.0011/16/2010 10:59:23 AM
Roohugger$25.00$25.0011/16/2010 2:20:45 PM
Zoomzoom22$25.22$25.2211/16/2010 2:51:27 PM
penny-plato$25.00$25.0011/16/2010 4:07:19 PM
PA2LA$25.00$25.0011/16/2010 5:27:54 PM
Ristefo$25.00$25.0011/16/2010 5:32:49 PM
gjm6d$25.00$25.0011/16/2010 6:12:11 PM
CollinsCrew$28.55$28.5511/16/2010 7:49:30 PM
kushka$25.00$25.0011/16/2010 9:18:56 PM
Charmart$25.00$25.0011/17/2010 7:55:58 AM
doopers$25.00$25.0011/17/2010 8:13:52 AM
vulgy$25.00$25.0011/17/2010 12:34:44 PM
paceme1$25.00$25.0011/17/2010 11:38:40 AM
market-jam$44.98$44.9811/17/2010 1:59:17 PM
UCSBGAUCHOS$25.00$25.0011/17/2010 2:36:36 PM
blindtaxidriver$25.00$25.0011/17/2010 1:59:12 PM
indomitable-coin$100.00$100.0011/17/2010 2:05:28 PM
83 bids
 
Borrower Payment Dependent Notes Series 479195
This series of Notes was issued and sold upon the funding of the borrower loan #45368, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  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: $339.27
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $339.27
 
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-1990 Debt/Income ratio: 29%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 43 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,995Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: openness-delight 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: 7 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
 
Principal balance: $1,240.09 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
WInter Repairs
Purpose of loan:
This loan will be used to do some winter reapirs before it hits. New Garage roof, new wood stove

My financial situation:
I am a good candidate for this loan because I have a strong income and a great payment history?

Monthly net income: $ $7,000

Monthly expenses: $
??Housing: $ 2,200
??Insurance: $ 250
??Car expenses: $?500
??Utilities: $ 250
??Phone, cable, internet: $ 125
??Food, entertainment: $ 500
??Clothing, household expenses $ 59
??Credit cards and other loans: $?500
??Other expenses: $ 150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi- I was wondering if you have already gotten an estimate on the projects you plan on doing and also what company, or type of company, are you working for. Thanks- - diversification-maple1
A: Yes, the roof estimate is $3,500. It is a flat 40x40 surface, going down to replace plywood and roofing surface. Relatively simple job/. I work for a very large software company that has been in existance for 35 years. I haev been with them for five, so on both accounts there is stability. thnak you for your interest (Nov-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ekmendenhall$55.00$55.0011/8/2010 2:41:31 PM
velocity-solo$25.00$25.0011/8/2010 3:03:33 PM
brother_tam$50.00$50.0011/8/2010 2:53:23 PM
ZPBSFinancialGroup$25.00$25.0011/8/2010 3:36:00 PM
Thylow$25.00$25.0011/8/2010 3:28:43 PM
Thylow$25.00$25.0011/8/2010 3:24:05 PM
helping-out$25.00$25.0011/8/2010 4:23:55 PM
reflective-rupee$444.00$444.0011/9/2010 11:31:12 AM
Kash2010lu$50.00$50.0011/9/2010 2:22:06 PM
reflective-rupee$44.00$44.0011/9/2010 11:31:31 AM
flwah$25.00$25.0011/9/2010 3:42:14 PM
silvercertificate$25.00$25.0011/10/2010 10:49:41 AM
villagers$25.00$25.0011/10/2010 8:00:08 PM
reflective-rupee$44.00$44.0011/11/2010 2:46:18 PM
reflective-rupee$44.00$44.0011/11/2010 2:46:35 PM
gelidfrank$25.00$25.0011/11/2010 3:08:00 PM
lucrative-transparency0$25.00$25.0011/11/2010 3:08:45 PM
adaptable-capital$250.00$250.0011/11/2010 5:19:28 PM
thomas16882004$25.00$25.0011/11/2010 7:52:29 PM
lendstats_com$200.00$200.0011/11/2010 10:15:33 PM
restless-dime$57.61$57.6111/12/2010 10:18:15 AM
kind-efficient-credit$25.00$25.0011/12/2010 11:42:03 AM
dedicated-transaction796$50.00$50.0011/12/2010 11:19:16 AM
diversification-maple1$26.90$26.9011/12/2010 1:27:52 PM
famous-bill$25.00$25.0011/12/2010 3:22:17 PM
larrybird$150.00$150.0011/12/2010 3:22:29 PM
a-successful-credit$25.00$25.0011/12/2010 3:21:31 PM
orangetrust$50.00$50.0011/12/2010 3:21:35 PM
barefootpaul$25.00$25.0011/12/2010 3:22:16 PM
Zoomzoom22$100.00$100.0011/12/2010 4:12:31 PM
108lender$50.00$50.0011/12/2010 3:21:56 PM
Investoman$25.00$25.0011/12/2010 3:22:19 PM
rockstar78$25.00$25.0011/12/2010 3:22:23 PM
tearingstar$35.00$35.0011/12/2010 3:22:33 PM
SolarMoonshine$25.00$25.0011/12/2010 6:11:23 PM
haplender$50.00$50.0011/12/2010 7:49:09 PM
Rich221976$25.00$25.0011/12/2010 9:59:14 PM
vine99$50.00$50.0011/12/2010 9:01:50 PM
restless-dime$50.00$50.0011/12/2010 11:43:15 PM
IIP77$25.00$25.0011/12/2010 9:59:35 PM
PatRichi$25.00$25.0011/13/2010 12:54:24 AM
ericb674$25.00$25.0011/13/2010 12:55:50 AM
eronyc$25.00$25.0011/13/2010 12:35:46 AM
Untiedshu$60.00$60.0011/13/2010 6:21:38 AM
retired272$25.00$25.0011/13/2010 12:00:25 PM
loss-of-control$50.00$50.0011/13/2010 1:41:06 PM
loss-of-control$50.00$50.0011/13/2010 1:41:28 PM
cash-tent$25.00$25.0011/13/2010 3:32:14 PM
Bob450$25.00$25.0011/13/2010 5:37:58 PM
Zen_help$25.00$25.0011/13/2010 6:34:35 PM
zone6$100.00$100.0011/13/2010 7:48:18 PM
squarebob$25.00$25.0011/14/2010 4:46:22 AM
first-serene-credit$25.00$25.0011/14/2010 6:40:40 AM
Rogesparkguy$25.00$25.0011/14/2010 6:47:00 AM
loanman2007$125.00$125.0011/14/2010 7:23:19 AM
desrman$38.00$38.0011/14/2010 7:49:42 AM
superb-kindness2$25.00$25.0011/14/2010 8:14:44 AM
beachfunder$25.00$25.0011/14/2010 10:20:11 AM
credit-bliss8$25.00$25.0011/14/2010 2:05:18 PM
marinbb$50.00$50.0011/14/2010 3:41:08 PM
heerzaquestion$100.00$100.0011/14/2010 12:43:47 PM
marinbb$50.00$50.0011/14/2010 3:41:40 PM
loss-of-control$50.00$50.0011/14/2010 6:05:00 PM
honey-money$25.00$25.0011/14/2010 6:58:42 PM
Moe87$25.00$25.0011/15/2010 4:10:48 AM
enchanted-note$25.00$25.0011/14/2010 5:28:12 PM
hokee$25.00$25.0011/15/2010 5:19:34 AM
gothampark$25.00$25.0011/14/2010 9:15:37 PM
blitzen40$25.00$25.0011/14/2010 8:30:05 PM
money-fort$35.99$35.9911/15/2010 7:17:05 AM
jules3304$25.00$25.0011/15/2010 5:48:16 AM
Rip128$50.00$50.0011/15/2010 6:19:00 AM
valiant-liberty4$25.00$25.0011/8/2010 3:20:33 PM
inspiring-reward$100.00$100.0011/8/2010 4:18:58 PM
Comoparklender$25.00$25.0011/8/2010 4:30:02 PM
money-bauble$25.00$25.0011/9/2010 3:24:13 AM
JustMee$25.00$25.0011/9/2010 8:18:51 AM
big_balla_papi$25.00$25.0011/11/2010 1:43:23 AM
113121$25.00$25.0011/11/2010 6:56:34 AM
graceful-investment$100.00$100.0011/11/2010 2:59:20 PM
tech310$25.00$25.0011/11/2010 2:46:38 PM
reflective-rupee$44.00$44.0011/11/2010 2:46:48 PM
reflective-rupee$444.00$444.0011/11/2010 2:47:17 PM
Artist_Blue$25.00$25.0011/11/2010 6:38:15 PM
honorable-yield$25.00$25.0011/12/2010 11:42:05 AM
squarebob$25.00$25.0011/12/2010 2:32:45 PM
squarebob$25.00$25.0011/12/2010 2:32:23 PM
green-capital-hornet$25.00$25.0011/12/2010 3:21:32 PM
doncm$50.00$50.0011/12/2010 3:21:36 PM
abundant-credit6$25.00$25.0011/12/2010 3:22:08 PM
DDHMoney$25.00$25.0011/12/2010 3:22:18 PM
credible-balance0$25.00$25.0011/12/2010 3:22:23 PM
bulsa$50.00$50.0011/12/2010 3:22:30 PM
jwsun90$309.35$309.3511/12/2010 4:25:55 PM
generous-deal6$25.00$25.0011/12/2010 3:22:31 PM
social-caravan$25.00$25.0011/12/2010 5:39:17 PM
visionary-deal3$100.00$100.0011/12/2010 6:12:51 PM
gristle_mcthornbody$25.00$25.0011/12/2010 7:13:32 PM
Rogelio48$30.00$30.0011/12/2010 5:43:23 PM
kubien$26.13$26.1311/13/2010 12:32:14 AM
euro-banker$50.00$50.0011/13/2010 4:40:35 AM
NekHoldings$25.00$25.0011/13/2010 6:12:19 AM
loan-kung-fu$50.00$50.0011/13/2010 6:14:41 AM
371millwood$100.00$100.0011/13/2010 7:42:24 AM
lucrative-loan$50.00$50.0011/13/2010 9:14:04 AM
bluehen00$50.00$50.0011/13/2010 8:37:25 AM
basis-image$40.00$40.0011/13/2010 7:34:23 AM
Nailman88$50.00$50.0011/13/2010 11:01:46 AM
iamdoug$25.00$25.0011/13/2010 10:42:13 AM
SFBank$300.00$300.0011/13/2010 4:37:18 PM
loss-of-control$50.00$50.0011/13/2010 1:40:41 PM
forthright-dedication$25.00$25.0011/13/2010 2:41:45 PM
heroic-benefit$200.00$200.0011/13/2010 6:23:37 PM
wise-silver-wonder$25.00$25.0011/14/2010 5:00:20 AM
himistu22$25.00$25.0011/14/2010 1:26:37 AM
SeaSkyGuy71$25.00$25.0011/14/2010 9:15:27 AM
panegryst$50.00$50.0011/14/2010 3:40:29 AM
mcgovern2024$81.41$81.4111/14/2010 8:13:44 AM
sctmac12$25.00$25.0011/14/2010 8:49:17 AM
heerzaquestion$152.00$152.0011/14/2010 12:44:50 PM
vest_vortex$25.00$25.0011/14/2010 9:58:26 AM
lender12345$25.00$25.0011/14/2010 1:24:39 PM
head$25.00$25.0011/14/2010 6:32:20 PM
silver-parsec$30.00$30.0011/14/2010 4:22:11 PM
113121$1,392.67$258.6111/14/2010 4:54:21 PM
credit-elation1$25.00$25.0011/14/2010 3:20:48 PM
nickel-demon2$400.00$400.0011/15/2010 6:28:44 AM
127 bids
 
Borrower Payment Dependent Notes Series 482149
This series of Notes was issued and sold upon the funding of the borrower loan #45364, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Oct-29-2010 
  Auction end date:  Nov-03-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $135.55
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $135.55
 
Auction yield range: 5.71% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1980 Debt/Income ratio: Not calculated
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:30y 9m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $966Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: JUGGLER214 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: 0 / 2 On-time: 28 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,100.00< 31 days late: 0 ( 0% )  
720-739 (Nov-2007)
780-799 (Mar-2007)
 
Principal balance: $0.04 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
BUYING A CAR FROM A TRUSTED FRIEND
Purpose of loan:
My friend is moving to Hawaii in February. Her car is a 2007 Ion in excellent condition 57,000 miles. I will need a new car soon and this is a great deal. She is selling me the car for Kelly Blue Book price which is $7000. I will sell my 2001 Hyundai for with 130,000 miles for $2000. I just don't want to take my money out of the stock market right now. I do taxes for a living so I can pay everyone back in the Spring. I also have $1700 owed to me on prosper.

I have $3000 in the bank and $32,000 in the stock market.:


$3000: $

$1500: $
??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 securities do you own in the market? Did you purchase any of the securities on margin? - blissful-cash3
A: I actually have $5000 in cash today. I own 18,000 shares of sirius satellite radio which I paid 15 cents for and is now $1.55. I had 20,000 shares a few days ago but I have started selling because it has gone up so huge recently. I love the stock market. I believe that if you study and use your head and not follow the crowd you can make money. How do you think Warren Buffet made his Billions. I believe wall street has it all wrong about sirius radio. (Nov-01-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
williemc44$50.00$50.0010/29/2010 2:56:11 PM
handshake5$100.00$100.0010/29/2010 3:03:21 PM
rescue$100.00$60.4410/29/2010 3:03:54 PM
Weaverville$50.00$50.0010/29/2010 2:53:43 PM
CA_Lender$25.00$25.0010/29/2010 2:55:56 PM
ray1051$25.00$25.0010/29/2010 3:02:25 PM
mjunlimited$50.00$50.0010/29/2010 3:02:31 PM
bold-durability-drum$50.00$50.0010/29/2010 3:02:43 PM
GCInvestments$25.00$25.0010/29/2010 3:03:29 PM
a2190b$25.00$25.0010/29/2010 7:09:27 PM
AK49-JW$25.00$25.0010/29/2010 4:13:57 PM
blue-useful-auction$25.00$25.0010/29/2010 5:30:32 PM
a2190b$25.00$25.0010/29/2010 7:08:44 PM
affluence-tambourine$25.00$25.0010/29/2010 11:27:48 PM
economy-popcorn$25.00$25.0010/30/2010 8:48:16 PM
Aberdeen$999.00$999.0010/30/2010 2:33:42 PM
Josphine$25.00$25.0010/30/2010 9:31:22 PM
Paxman84$26.00$26.0010/31/2010 3:13:27 PM
honey-money$25.00$25.0010/31/2010 8:02:21 PM
loanman2007$100.00$100.0011/1/2010 4:46:03 AM
income-lion$25.00$25.0011/1/2010 9:29:51 AM
KirosPOS$65.30$65.3011/1/2010 4:26:36 PM
theloanteacher$25.00$25.0011/1/2010 6:20:08 PM
Loan-Mart$100.00$100.0011/1/2010 4:59:53 PM
Brown98$25.00$25.0011/1/2010 6:34:13 PM
priceless-cash5$25.00$25.0011/1/2010 6:36:31 PM
MonkeyHero$25.00$25.0011/1/2010 10:43:30 PM
novice-speculator$25.08$25.0811/2/2010 5:13:23 AM
Mindful7$25.00$25.0011/2/2010 6:26:41 AM
integrity-doctor$100.00$100.0011/2/2010 6:52:39 AM
niteflite$34.10$34.1011/2/2010 8:49:57 AM
grampy48$50.00$50.0011/2/2010 12:03:01 PM
greenback-guard$25.00$25.0011/2/2010 1:23:06 PM
thankful-nickel2$25.00$25.0011/2/2010 7:49:24 PM
jayk63$25.00$25.0011/2/2010 5:37:56 PM
Onlyhappycustomers$25.00$25.0011/2/2010 7:06:55 PM
hope-lionheart1$50.00$50.0011/2/2010 7:41:55 PM
generous-deal6$50.00$50.0011/3/2010 2:00:03 AM
knowonder$25.41$25.4111/2/2010 9:26:23 PM
BxRealtor$25.00$25.0010/29/2010 3:03:09 PM
jazzlender$50.00$50.0010/29/2010 3:00:43 PM
GElender$75.00$75.0010/29/2010 2:56:03 PM
teller$50.00$50.0010/29/2010 3:02:23 PM
natural-affluence4$25.00$25.0010/29/2010 3:02:50 PM
skuba$25.00$25.0010/29/2010 3:03:03 PM
platinum-hunter7$25.00$25.0010/29/2010 5:50:19 PM
worth-excellence4$25.00$25.0010/29/2010 10:44:13 PM
MoneyForNothing$36.11$36.1110/29/2010 10:51:24 PM
ThisCatWillHelp$50.00$50.0010/30/2010 3:37:33 PM
unbelievable-value2$40.00$40.0010/30/2010 6:34:44 PM
JGuide$26.99$26.9910/31/2010 12:54:55 PM
Mav26$90.00$90.0010/31/2010 3:14:59 PM
cashhelp$50.00$50.0010/31/2010 3:19:58 PM
sign_here$25.00$25.0010/31/2010 7:02:56 PM
bondhedger$25.00$25.0011/1/2010 12:04:56 AM
Lefty_the_Lender$25.00$25.0011/1/2010 1:41:54 AM
lightninghcky7$25.00$25.0011/1/2010 9:45:06 AM
investment-artist$25.00$25.0011/1/2010 10:18:17 AM
rmpedi33$50.00$50.0011/1/2010 11:30:00 AM
outofoffice$75.00$75.0011/1/2010 11:30:18 AM
twjh$25.00$25.0011/2/2010 1:53:46 AM
capital-star5$25.30$25.3011/2/2010 6:02:56 AM
colorfulgardener$25.00$25.0011/2/2010 3:55:26 AM
Sol_Invictus$25.00$25.0011/2/2010 8:56:04 AM
valiant-liberty4$25.00$25.0011/2/2010 9:13:25 AM
ansky127$27.27$27.2711/2/2010 10:58:49 AM
reflective-rupee$444.00$444.0011/2/2010 12:13:45 PM
Jordan1123$25.00$25.0011/2/2010 2:53:58 PM
SV-AZ$25.00$25.0011/2/2010 9:34:16 PM
69 bids
 
Borrower Payment Dependent Notes Series 482761
This series of Notes was issued and sold upon the funding of the borrower loan #45383, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Nov-04-2010 
  Auction end date:  Nov-09-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $245.36
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $245.36
 
Auction yield range: 3.57% - 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-1987 Debt/Income ratio: 7%
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 17Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,141 
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: principal-smasher4 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to finish improvements. Although the value of the house has declined here in Arizona we intend to stay. We have completed many improvements: tile throughout house, new roof, ac, solar hot water, resurface pool, replaced pool mechanics, front yard landscape. Want to finish improvements by painting house interior and landscape backyard.

My financial situation:
I am a good candidate for this loan because I have paid all bills on time . Had bankruptcy discharged in 2004. This was due to over extension because we were helping my two children who had cancer illnesses and died within 15 months of each other. Since then we have paid bills on time. Had $15,000 GEMB account but didn't realize this. Had checked into solar and vendor opened credit account for us. This could only be used at that vendor so closed account. Although our mortgage principal is high our interest rate is only 2%. We are working on lowering this by paying extra on principal. I have one open account which is a personal loan with a balance of about $2200. This payment has never been late. We have completed a budget and the payment for this loan is something we could easily afford. Thank you for your consideration of this request.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Mind telling us what your occupation is? Thanks - RecoveryLender
A: I am retired. I receive income from social security and from a pension at my previous employment. I am also a Vietnam Veteran for which I receive a 100% disability payment each month. (Nov-08-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
investment-comet$25.00$25.0011/4/2010 2:43:48 PM
organized-payment6$50.00$50.0011/4/2010 2:44:57 PM
ray1051$75.00$75.0011/4/2010 2:45:01 PM
bold-durability-drum$50.00$50.0011/4/2010 2:45:18 PM
natural-affluence4$25.00$25.0011/4/2010 2:45:22 PM
selector568$25.00$25.0011/4/2010 2:42:57 PM
GElender$75.00$75.0011/4/2010 2:43:04 PM
availableloan$25.00$25.0011/4/2010 2:43:10 PM
riproaringrapids$25.00$25.0011/4/2010 2:43:25 PM
williemc44$50.00$50.0011/4/2010 2:43:30 PM
loyalty-sherpa$50.00$50.0011/4/2010 2:46:04 PM
Weaverville$50.00$50.0011/4/2010 2:43:44 PM
icchok$50.00$50.0011/4/2010 2:44:12 PM
MM1207$25.00$25.0011/4/2010 2:46:53 PM
skuba$25.00$25.0011/4/2010 2:45:31 PM
handshake5$100.00$100.0011/4/2010 2:45:35 PM
Interstate_Rate$50.00$50.0011/4/2010 2:49:11 PM
kmr2$200.00$200.0011/4/2010 2:49:21 PM
indomitable-coin$50.00$50.0011/4/2010 2:47:03 PM
larrybird$150.00$150.0011/4/2010 2:47:54 PM
narblark$50.00$50.0011/4/2010 2:46:08 PM
nunnie$25.00$25.0011/4/2010 2:49:18 PM
simplelender80$100.00$100.0011/4/2010 2:46:51 PM
velocity-solo$25.00$25.0011/4/2010 2:47:43 PM
investment-comet$25.00$25.0011/4/2010 2:50:47 PM
economy-orchid$25.00$25.0011/4/2010 6:30:54 PM
BxRealtor$25.00$25.0011/4/2010 5:23:19 PM
penny-plato$25.00$25.0011/4/2010 5:35:43 PM
bentheretoo$25.00$25.0011/4/2010 9:53:18 PM
platinum-hunter7$50.00$50.0011/5/2010 6:48:01 AM
friendly-worth3$25.00$25.0011/5/2010 7:28:02 AM
ingenious-order783$25.00$25.0011/5/2010 7:51:40 AM
tomdooley12520$25.00$25.0011/5/2010 9:07:39 AM
penny-plato$25.00$25.0011/5/2010 10:38:47 AM
flwah$25.00$25.0011/5/2010 11:23:16 AM
mobius404$50.00$50.0011/5/2010 9:42:54 AM
exciting-responsibility3$50.00$50.0011/5/2010 1:04:43 PM
graceful-investment$30.00$30.0011/5/2010 5:01:04 PM
Swabjockey$25.00$25.0011/5/2010 4:43:07 PM
neutrino6$25.00$25.0011/5/2010 10:43:35 PM
honorable-yield$35.00$35.0011/6/2010 6:46:49 AM
bid-czar8$50.00$50.0011/6/2010 3:42:02 AM
Yuen$25.00$25.0011/6/2010 8:08:51 AM
Rivervale_Westwood$25.00$25.0011/6/2010 8:36:14 AM
drkosh$25.00$25.0011/6/2010 1:17:40 PM
melodious-fairness$43.90$43.9011/6/2010 7:44:05 PM
crenen139$25.00$25.0011/6/2010 7:44:50 PM
friendly-money$50.00$50.0011/6/2010 9:33:12 PM
108lender$27.62$27.6211/6/2010 9:52:58 PM
bambampk$25.00$25.0011/6/2010 8:48:58 PM
gain-gourd$100.00$100.0011/7/2010 1:21:26 PM
success1001$50.00$50.0011/7/2010 9:36:02 AM
bowdish1$50.00$50.0011/7/2010 5:14:47 PM
brienc$50.00$50.0011/7/2010 1:18:51 PM
Rick21$50.00$50.0011/7/2010 1:22:41 PM
yogi1975$25.00$25.0011/7/2010 5:14:10 PM
tntmojave$25.00$25.0011/7/2010 7:24:15 PM
Money_Lender2$30.00$30.0011/7/2010 8:54:59 PM
flopcat$25.00$25.0011/7/2010 11:08:36 PM
ericgassercom$50.00$50.0011/8/2010 8:56:03 AM
alpinaut$25.00$25.0011/8/2010 8:40:03 AM
brazilofmux$100.00$100.0011/8/2010 8:57:04 AM
ptjg$50.00$50.0011/8/2010 8:57:20 AM
rjleves$50.00$50.0011/8/2010 8:57:44 AM
rancher7$25.00$25.0011/8/2010 10:02:42 AM
efficient-treasure0$25.00$25.0011/8/2010 8:57:36 AM
VBAces$50.00$50.0011/8/2010 9:54:12 AM
irrelevant$25.00$25.0011/8/2010 11:02:39 AM
studious-bonus7$100.00$100.0011/8/2010 11:05:49 AM
chinolatino$50.00$50.0011/8/2010 11:54:11 AM
respectful-integrity3$25.00$25.0011/8/2010 10:45:46 AM
newest-bountiful-basis$25.00$25.0011/8/2010 11:01:34 AM
interstellar$50.00$50.0011/8/2010 4:03:13 PM
JKEnterprises$25.00$25.0011/8/2010 6:22:34 PM
pokey38650$25.00$25.0011/8/2010 4:30:45 PM
yield-enlistment$25.00$25.0011/8/2010 9:48:26 PM
orange-statuesque-dime$50.00$50.0011/8/2010 6:14:12 PM
mmzero$25.00$25.0011/9/2010 2:36:38 AM
thebadpelican$25.00$25.0011/8/2010 9:18:27 PM
marketplace-cello5$25.00$25.0011/8/2010 9:43:43 PM
outofoffice$50.00$50.0011/9/2010 6:47:33 AM
mondial4$100.00$64.6311/9/2010 4:52:34 AM
grampy48$30.00$30.0011/9/2010 7:48:58 AM
radiant-return$25.00$25.0011/9/2010 6:34:11 AM
GCInvestments$25.00$25.0011/4/2010 2:45:42 PM
jdwillcox$100.00$100.0011/4/2010 2:45:47 PM
balanced-bill7$50.00$50.0011/4/2010 2:44:14 PM
ichibon$150.00$150.0011/4/2010 2:44:21 PM
inspired-investment8$50.00$50.0011/4/2010 2:44:25 PM
rekitten$100.00$100.0011/4/2010 2:46:48 PM
tech310$50.00$50.0011/4/2010 2:47:00 PM
rescue$100.00$100.0011/4/2010 2:49:28 PM
vigorous-velocity$100.00$100.0011/4/2010 2:49:32 PM
enthralling-deal180$50.00$50.0011/4/2010 2:45:52 PM
nickel-ferret$50.00$50.0011/4/2010 2:45:58 PM
mjunlimited$50.00$50.0011/4/2010 2:49:44 PM
Artist_Blue$25.00$25.0011/4/2010 2:47:06 PM
Havana21$100.00$100.0011/4/2010 2:49:24 PM
objective-investor$150.00$150.0011/4/2010 2:50:04 PM
inspiring-reward$75.00$75.0011/4/2010 3:44:58 PM
missing-link$50.00$50.0011/4/2010 3:33:03 PM
Sam65$25.00$25.0011/4/2010 4:38:45 PM
helpishere777$25.00$25.0011/4/2010 5:54:16 PM
silver-baby$25.00$25.0011/4/2010 6:54:45 PM
dospapalotes$25.00$25.0011/4/2010 6:27:20 PM
superb-funds335$25.00$25.0011/4/2010 7:57:12 PM
the-profit-oracle$25.00$25.0011/5/2010 2:33:50 AM
papy$25.00$25.0011/5/2010 5:56:46 AM
kulender$50.00$50.0011/5/2010 6:45:06 AM
moola-wildebeest3$50.00$50.0011/5/2010 4:27:23 AM
WSTRDG$50.00$50.0011/5/2010 8:41:00 AM
blue-useful-auction$25.00$25.0011/5/2010 8:35:35 AM
JGONZ13850$25.00$25.0011/5/2010 10:00:28 AM
heroic-payout9$25.00$25.0011/5/2010 11:48:09 AM
chestnut4$25.00$25.0011/5/2010 9:49:22 AM
kegs$25.00$25.0011/5/2010 12:18:53 PM
bicyclist2270$25.00$25.0011/5/2010 10:16:24 AM
srilm$25.00$25.0011/5/2010 1:08:44 PM
LOML$40.51$40.5111/5/2010 1:10:19 PM
finance_mba$25.00$25.0011/5/2010 1:33:22 PM
sumac5$100.00$100.0011/5/2010 1:05:03 PM
maldok1$25.00$25.0011/5/2010 2:41:17 PM
fund-widget$25.00$25.0011/5/2010 3:12:33 PM
money-bauble$37.37$37.3711/5/2010 5:31:56 PM
investor7257$25.00$25.0011/5/2010 4:03:25 PM
HedgeFund$50.00$50.0011/5/2010 10:10:21 PM
ijspence$25.00$25.0011/6/2010 7:00:54 AM
minddoc$25.00$25.0011/6/2010 3:21:20 AM
LiveNow$25.00$25.0011/6/2010 6:07:06 AM
Gabriel02$25.00$25.0011/6/2010 7:51:01 AM
UT-Longhorn$25.00$25.0011/6/2010 10:51:24 AM
a-finance-nirvana$25.00$25.0011/6/2010 2:13:56 PM
chlebie$50.00$50.0011/6/2010 1:15:07 PM
bxdoc$35.07$35.0711/6/2010 7:44:54 PM
platinum-sorcerer6$25.00$25.0011/6/2010 6:35:51 PM
hitsman$100.00$100.0011/7/2010 10:33:29 AM
jazzlender$50.00$50.0011/7/2010 5:25:07 PM
successful-agreement7$91.54$91.5411/7/2010 3:43:16 PM
exuberant-pound$25.00$25.0011/7/2010 8:32:30 PM
rhodylend$25.00$25.0011/7/2010 3:48:14 PM
generous-deal6$38.34$38.3411/7/2010 8:58:25 PM
Dazz2061$25.00$25.0011/8/2010 4:17:05 AM
orange-dollar-guild$25.00$25.0011/8/2010 7:55:53 AM
radforj22$25.00$25.0011/8/2010 7:04:19 AM
KHU2-B$25.00$25.0011/8/2010 8:57:18 AM
Goat$50.00$50.0011/8/2010 8:31:03 AM
doncm$50.00$50.0011/8/2010 8:57:43 AM
mindful-exchange2$25.00$25.0011/8/2010 9:44:35 AM
compassion-burrito$25.00$25.0011/8/2010 12:20:34 PM
fadeddingo$50.00$50.0011/8/2010 9:54:22 AM
museic1$25.00$25.0011/8/2010 11:05:44 AM
iflyforfun$25.00$25.0011/8/2010 11:06:47 AM
justalender$25.00$25.0011/8/2010 1:16:07 PM
upright-silver$25.00$25.0011/8/2010 12:46:07 PM
new-ore-venture$200.00$200.0011/8/2010 2:43:34 PM
income-encore1$50.00$50.0011/8/2010 3:18:41 PM
gdfp158$25.00$25.0011/8/2010 3:26:17 PM
IIP77$25.00$25.0011/8/2010 4:10:03 PM
comet55$25.00$25.0011/8/2010 4:22:23 PM
listing-meridian$100.00$100.0011/8/2010 7:06:03 PM
mpactlender$25.00$25.0011/8/2010 7:13:26 PM
rpg$50.00$50.0011/8/2010 7:49:01 PM
orgy63$25.00$25.0011/9/2010 2:42:16 AM
vibraphone3$25.00$25.0011/8/2010 10:03:55 PM
Montgomery-Burns$25.00$25.0011/8/2010 6:29:36 PM
CAGE-Investments$25.00$25.0011/9/2010 3:25:25 AM
godfather4u$46.02$46.0211/8/2010 11:30:45 PM
systematic-dollar9$25.00$25.0011/8/2010 7:13:30 PM
Yuen$75.00$75.0011/8/2010 10:48:13 PM
satisfying-durability$25.00$25.0011/9/2010 3:18:01 AM
peb44$25.00$25.0011/9/2010 7:21:32 AM
171 bids
 
Borrower Payment Dependent Notes Series 482883
This series of Notes was issued and sold upon the funding of the borrower loan #45403, 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-05-2010 
  Auction end date:  Nov-12-2010 
 
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: Jul-1985 Debt/Income ratio: 18%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 8 Current / open credit lines: 10 / 9Length of status:3y 8m
Amount delinquent: $744 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,789Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: carnation337 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Debt
Purpose of loan:
This loan is for the purpose of consolidating high interest debt, and paying it down in a short period of time. This will allow my wife and I to dedicate her salary to college savings and retirement funding. Despite having experienced?Identity Theft?a few years ago, my wife and I have tried to maintain a good credit rating. These funds will allow us to finally put to rest some of these debts once and for all and move forward.
My financial situation:
I?have worked in the same industry for the past 20 years. I have held the position of National Business Manager for almost 4 years with my current company. Along with my wife, we?generate a?nice income and keep close?tabs on our monthly expenses.?

Monthly net income: $ 6800

Monthly expenses: $
??Housing: $ 1780
??Insurance: $ 209
??Car expenses: $ 477?
??Utilities: $ 200
??Phone, cable, internet: $ 150?
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 425
??Other expenses: $ 200
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)
missing-link$100.00$100.0011/5/2010 3:29:11 PM
simplelender80$200.00$200.0011/5/2010 3:30:21 PM
velocity-solo$25.00$25.0011/5/2010 3:30:35 PM
bid-czar8$25.00$25.0011/5/2010 3:31:20 PM
radiant-loan5$200.00$200.0011/5/2010 3:38:26 PM
Artist_Blue$25.00$25.0011/5/2010 6:52:23 PM
Midwestvalues$100.00$100.0011/6/2010 12:36:39 PM
tech310$25.00$25.0011/7/2010 5:14:09 PM
nybanker85$50.00$50.0011/8/2010 8:10:39 AM
personal-lender$25.00$25.0011/8/2010 5:06:44 PM
jigsaw$50.00$50.0011/9/2010 4:54:05 AM
flwah$25.00$25.0011/9/2010 6:35:15 AM
finance-mushroom$100.00$100.0011/9/2010 9:41:19 AM
6moonbeams$50.00$50.0011/9/2010 10:29:12 AM
graceful-investment$46.34$46.3411/9/2010 7:08:05 PM
108lender$33.72$33.7211/10/2010 7:18:26 AM
oath163$25.00$25.0011/10/2010 12:16:10 PM
suave-dime6$50.00$50.0011/10/2010 2:34:06 PM
gelidfrank$25.00$25.0011/10/2010 3:01:54 PM
top-historic-peso$25.00$25.0011/10/2010 7:59:40 PM
hope-eagle6$25.00$25.0011/10/2010 3:28:31 PM
Kaj$25.00$25.0011/11/2010 3:57:12 AM
WalnutCreekguy$50.00$50.0011/11/2010 8:51:17 AM
musegaze$44.34$44.3411/11/2010 11:12:17 AM
orangetrust$50.00$50.0011/11/2010 2:46:53 PM
bigbryan98$25.00$25.0011/11/2010 2:57:29 PM
asset-yoga6$100.00$100.0011/11/2010 3:04:11 PM
dthompso$50.00$50.0011/11/2010 3:03:32 PM
honorable-yield$25.00$25.0011/11/2010 3:05:01 PM
greenback-bull6$50.00$50.0011/11/2010 3:06:08 PM
natural-greenback6$25.00$25.0011/11/2010 3:06:53 PM
green-capital-hornet$25.00$25.0011/11/2010 3:06:58 PM
noble-revenue$100.00$100.0011/11/2010 3:06:36 PM
incbx$50.00$50.0011/11/2010 3:06:49 PM
doncm$50.00$50.0011/11/2010 3:18:31 PM
euro-flower$50.00$50.0011/11/2010 3:48:15 PM
norcaliboy22$25.00$25.0011/11/2010 4:34:42 PM
power-secret-agent$25.00$25.0011/11/2010 4:45:56 PM
credible-balance0$25.00$25.0011/11/2010 6:44:21 PM
shmb6508$50.00$50.0011/11/2010 6:44:46 PM
soulwork$25.00$25.0011/11/2010 7:34:37 PM
NoCal$30.00$30.0011/11/2010 6:44:45 PM
ofern01$25.00$25.0011/11/2010 7:34:58 PM
affluence-tomahawk$25.00$25.0011/11/2010 7:35:17 PM
stock106$25.00$25.0011/11/2010 7:35:52 PM
Wellman$45.27$45.2711/11/2010 7:37:19 PM
zeelender$25.00$25.0011/11/2010 7:37:26 PM
seisen$50.93$50.9311/11/2010 7:37:35 PM
dparkhom$25.00$25.0011/11/2010 7:34:31 PM
momoney2lend$25.00$18.0111/11/2010 7:37:38 PM
natural-affluence6$25.00$25.0011/11/2010 7:34:53 PM
CC911$25.00$25.0011/11/2010 7:35:00 PM
all_of_that_one$25.00$25.0011/11/2010 7:35:08 PM
misterhobbs$25.00$25.0011/11/2010 7:35:36 PM
financial-frenzy$44.18$44.1811/11/2010 7:35:50 PM
new-social-economist$60.00$60.0011/11/2010 7:37:00 PM
treasure-bliss$50.00$50.0011/11/2010 7:37:14 PM
red-power-pecan$50.00$50.0011/11/2010 7:34:21 PM
asmithj$50.00$50.0011/11/2010 7:37:20 PM
voidpile$25.00$25.0011/11/2010 7:34:26 PM
delivery$25.00$25.0011/11/2010 7:37:27 PM
funfamilyX4$25.00$25.0011/11/2010 7:34:32 PM
MadHun$35.78$35.7811/11/2010 7:37:31 PM
firewomin$50.00$50.0011/11/2010 7:34:57 PM
agiovasil$25.00$25.0011/11/2010 7:35:09 PM
Dhuri$50.00$50.0011/11/2010 7:35:13 PM
djindepth$50.00$50.0011/11/2010 7:35:15 PM
shoedds$49.28$49.2811/11/2010 7:35:18 PM
piter-to-la-investment$25.00$25.0011/11/2010 7:35:50 PM
cropdust3r$25.00$25.0011/11/2010 7:37:15 PM
Mark0135$50.00$50.0011/11/2010 7:37:21 PM
psa1995$25.00$25.0011/11/2010 7:37:27 PM
intuitive-velocity4$50.00$50.0011/11/2010 11:50:13 PM
lendstats_com$200.00$200.0011/11/2010 10:01:00 PM
E-B$50.00$50.0011/12/2010 2:59:46 AM
Leshan$26.84$26.8411/12/2010 7:11:17 AM
squarebob$25.00$25.0011/12/2010 7:22:40 AM
spiff666$25.00$25.0011/12/2010 6:21:54 AM
greenback-guard$25.00$25.0011/12/2010 7:24:13 AM
social-zebra$27.00$27.0011/12/2010 8:20:03 AM
basis-image$40.00$40.0011/12/2010 9:51:16 AM
Rip128$50.00$50.0011/12/2010 12:14:12 PM
ultimate-peace$50.00$50.0011/12/2010 1:48:05 PM
worth-jedi5$82.57$82.5711/12/2010 1:53:34 PM
HammerSmith$34.24$34.2411/12/2010 2:01:22 PM
gain-implementer$95.00$95.0011/12/2010 2:23:00 PM
G-Love$300.00$300.0011/12/2010 2:21:41 PM
CincyTex$50.00$50.0011/12/2010 2:55:37 PM
best-magical-dollar$25.00$25.0011/12/2010 3:00:19 PM
valiant-liberty4$25.00$25.0011/5/2010 3:31:32 PM
Comoparklender$25.00$25.0011/5/2010 3:35:25 PM
forthright-dedication$25.00$25.0011/5/2010 3:37:54 PM
kulender$50.00$50.0011/7/2010 9:09:19 AM
money-bauble$25.00$25.0011/7/2010 8:40:33 AM
HHP$25.00$25.0011/7/2010 3:46:35 PM
inspiring-reward$59.67$59.6711/7/2010 3:49:08 PM
platinum-celebration4$25.00$25.0011/7/2010 5:14:03 PM
bountiful-durability$50.00$50.0011/8/2010 8:12:05 AM
helping-out$25.00$25.0011/8/2010 4:23:49 PM
commerce-web5$50.00$50.0011/8/2010 8:51:30 PM
orderly-leverage$100.00$100.0011/8/2010 10:20:49 PM
villagers$25.00$25.0011/9/2010 6:01:29 PM
ah-long$25.00$25.0011/9/2010 9:37:53 PM
FeedTheMachine$32.83$32.8311/10/2010 10:58:53 AM
supersarah61$25.00$25.0011/10/2010 2:31:46 PM
LiveNow$25.00$25.0011/10/2010 2:34:55 PM
rhin0cerx$50.00$50.0011/11/2010 10:44:15 AM
lucrative-transparency0$25.00$25.0011/11/2010 2:41:07 PM
greenback-guard$25.00$25.0011/11/2010 3:01:04 PM
dedicated-transaction796$32.82$32.8211/11/2010 2:46:30 PM
TakeCare$39.65$39.6511/11/2010 2:46:51 PM
kind-efficient-credit$25.00$25.0011/11/2010 2:47:05 PM
worthy-bid4$31.91$31.9111/11/2010 3:02:43 PM
worthy-bid8$25.00$25.0011/11/2010 3:05:10 PM
scottharr27$50.00$50.0011/11/2010 3:02:39 PM
handshake5$100.00$100.0011/11/2010 3:06:10 PM
consummate-loyalty1$50.00$50.0011/11/2010 3:05:24 PM
jamiee73$25.00$25.0011/11/2010 3:06:56 PM
loss-of-control$50.00$50.0011/11/2010 5:04:44 PM
euro-flower$50.00$50.0011/11/2010 4:10:33 PM
loss-of-control$50.00$50.0011/11/2010 5:05:01 PM
SolarMoonshine$25.00$25.0011/11/2010 5:43:28 PM
asiaratt$50.00$50.0011/11/2010 6:44:22 PM
brother_tam$50.00$50.0011/11/2010 6:38:18 PM
point-kitten6$50.00$50.0011/11/2010 6:44:18 PM
sagan$25.00$25.0011/11/2010 6:44:44 PM
saxaphone6$25.00$25.0011/11/2010 6:44:19 PM
safe-kindness5$25.00$25.0011/11/2010 7:34:28 PM
skuba$25.00$25.0011/11/2010 6:44:42 PM
turbobrat$50.00$50.0011/11/2010 7:34:55 PM
gimincorp$50.00$50.0011/11/2010 7:35:05 PM
rupee-artisan$25.00$25.0011/11/2010 7:35:27 PM
Gladglide$30.00$30.0011/11/2010 7:35:31 PM
IIP77$25.00$25.0011/11/2010 7:36:11 PM
lagnisiruk$25.00$25.0011/11/2010 7:37:12 PM
lovely-benefit7$25.00$25.0011/11/2010 7:37:16 PM
HedgeFund$50.00$50.0011/11/2010 7:37:22 PM
Easystreet$25.00$25.0011/11/2010 7:37:28 PM
payment-gusto$25.00$25.0011/11/2010 7:37:36 PM
DUDE66$50.00$50.0011/11/2010 7:34:36 PM
gustavzantanon$47.30$47.3011/11/2010 7:34:39 PM
the-upbeat-p2p$38.34$38.3411/11/2010 7:35:07 PM
Trevor_C$25.00$25.0011/11/2010 7:35:56 PM
JJ9876$25.00$25.0011/11/2010 7:37:09 PM
fairhelper$25.00$25.0011/11/2010 7:37:16 PM
JERRYF10$50.00$50.0011/11/2010 7:34:25 PM
b-rent$25.00$25.0011/11/2010 7:37:23 PM
upbeat-loan$25.00$25.0011/11/2010 7:34:29 PM
nodrivelpls$25.00$25.0011/11/2010 7:37:29 PM
jobani$30.00$30.0011/11/2010 7:34:33 PM
rvfbroker$25.00$25.0011/11/2010 7:34:54 PM
top-payout-fixer$25.00$25.0011/11/2010 7:35:04 PM
shrewd-peace7$25.00$25.0011/11/2010 7:35:14 PM
life-is-great$50.00$50.0011/11/2010 7:35:16 PM
orange-preeminant-bill$46.52$46.5211/11/2010 7:35:27 PM
thorough-exchange4$30.53$30.5311/11/2010 7:37:31 PM
squarebob$25.00$25.0011/12/2010 7:22:23 AM
squarebob$25.00$25.0011/12/2010 7:23:05 AM
squarebob$25.00$25.0011/12/2010 7:22:08 AM
Phantom99$25.00$25.0011/12/2010 8:01:15 AM
Frosty$25.00$25.0011/12/2010 8:24:43 AM
minnesotafinancial$25.00$25.0011/12/2010 8:00:28 AM
lucrative-coin$86.93$86.9311/12/2010 8:04:23 AM
Pu239$60.00$60.0011/12/2010 9:22:32 AM
capital-galaxy$75.00$75.0011/12/2010 9:29:56 AM
Bob450$25.00$25.0011/12/2010 9:46:25 AM
secrets10169$25.00$25.0011/12/2010 10:44:18 AM
houli123$100.00$100.0011/12/2010 11:19:49 AM
grampy48$30.00$30.0011/12/2010 1:56:10 PM
diversification-maple1$25.00$25.0011/12/2010 1:35:28 PM
moola-monger9$50.00$50.0011/12/2010 2:00:46 PM
heerzaquestion$65.00$65.0011/12/2010 2:24:29 PM
profit-powerplant$50.00$50.0011/12/2010 2:11:37 PM
173 bids
 
Borrower Payment Dependent Notes Series 483273
This series of Notes was issued and sold upon the funding of the borrower loan #45412, 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: 18.30% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-10-2010 
 
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: 16.57% - 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): 5 First credit line: Oct-2008 Debt/Income ratio: 10%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 4 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $640Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: euro-sunrise Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards, pay off remaining balances.

My financial situation:
I am a good candidate for this loan because i can make and maintain my monthly payments on this loan. ?

Monthly net income: $ 3184.67

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 200
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 200
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
Military-2-Military has bid a total of $1,425.00 in winning bids.
"Employment and Income Verified. Meets Military Credit Index."
1 friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jeffe43$50.00$50.0011/8/2010 2:37:02 PM
MilitaryLending$50.00$50.0011/8/2010 2:44:10 PM
Artist_Blue$25.00$25.0011/8/2010 3:23:41 PM
Kash2010lu$35.00$35.0011/8/2010 3:55:21 PM
Thylow$100.00$100.0011/8/2010 3:27:33 PM
Military-2-Military$100.00$100.0011/8/2010 4:16:47 PM
forthright-dedication$25.00$25.0011/8/2010 4:24:33 PM
kgeezy$25.00$25.0011/9/2010 3:39:38 AM
1stBankAndHal$25.03$25.0311/9/2010 7:03:20 AM
selfmademan$25.00$25.0011/9/2010 7:13:42 AM
special-currency6$25.00$25.0011/9/2010 11:10:09 AM
Military-2-Military$500.00$500.0011/10/2010 9:51:56 AM
Military-2-Military$500.00$500.0011/10/2010 9:53:16 AM
reflective-rupee$44.00$44.0011/10/2010 9:59:48 AM
alexgalt$100.00$100.0011/10/2010 9:56:41 AM
reflective-rupee$44.00$44.0011/10/2010 9:59:03 AM
emjaybee$26.74$26.7411/10/2010 10:17:54 AM
reflective-rupee$44.00$44.0011/10/2010 9:59:17 AM
velocity-solo$25.00$25.0011/8/2010 3:04:00 PM
valiant-liberty4$25.00$25.0011/8/2010 3:20:52 PM
agiovasil$25.00$25.0011/8/2010 3:59:22 PM
reflective-rupee$44.00$44.0011/8/2010 4:13:21 PM
reflective-rupee$44.00$44.0011/8/2010 4:13:45 PM
zone6$77.85$77.8511/8/2010 11:15:09 PM
loan-kung-fu$100.00$100.0011/9/2010 6:33:39 AM
Moneypenny6$25.00$25.0011/9/2010 6:44:11 AM
money-bauble$25.00$25.0011/9/2010 8:09:59 AM
FutureLenderEC$25.00$25.0011/9/2010 6:58:01 AM
reflective-rupee$44.00$15.3811/10/2010 9:59:32 AM
Military-2-Military$325.00$325.0011/10/2010 10:24:21 AM
30 bids
 
Borrower Payment Dependent Notes Series 483341
This series of Notes was issued and sold upon the funding of the borrower loan #45397, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,600.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-09-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $117.77
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $117.77
 
Auction yield range: 3.57% - 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: Aug-1993 Debt/Income ratio: 13%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:15y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,850Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: direct-responsibility9 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
Looking to Economize
Purpose of loan:
This loan will be used to? save gas in this economy by purchasing a motorcycle to commute back and forth to work.? A family friend is going through very tough times and selling theirs, so I hope to be able to help them in this small way,? I also plan on paying down some of my debt.

My financial situation:
I am a good candidate for this loan because?I have been with the same employer for 15 1/2 years.? I am a responsible person, a good provider to my family, and ALWAYS pay my bills on time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
riproaringrapids$25.00$25.0011/8/2010 2:43:32 PM
socal-lender$25.00$25.0011/8/2010 2:50:21 PM
jdwillcox$100.00$100.0011/8/2010 3:00:04 PM
mjunlimited$50.00$50.0011/8/2010 3:08:20 PM
natural-affluence4$25.00$25.0011/8/2010 2:58:29 PM
Artist_Blue$25.00$25.0011/8/2010 3:05:18 PM
RandyL3$25.00$25.0011/8/2010 3:08:29 PM
enthralling-deal180$50.00$50.0011/8/2010 3:00:38 PM
tech310$50.00$50.0011/8/2010 3:04:51 PM
indomitable-coin$50.00$50.0011/8/2010 3:05:12 PM
kmr2$200.00$200.0011/8/2010 3:07:19 PM
Havana21$100.00$100.0011/8/2010 3:07:24 PM
rescue$66.59$66.5911/8/2010 3:07:51 PM
investment-comet$25.00$25.0011/8/2010 3:09:15 PM
BxRealtor$25.00$7.4111/8/2010 3:12:28 PM
colospgs$25.00$25.0011/8/2010 4:36:16 PM
shellstar$25.00$25.0011/8/2010 4:36:06 PM
wwwUniversal$46.00$46.0011/8/2010 6:57:28 PM
junes08$50.00$50.0011/9/2010 3:18:59 AM
outofoffice$50.00$50.0011/9/2010 6:46:12 AM
lucrative-transparency0$25.00$25.0011/9/2010 7:36:50 AM
Castelj$35.00$35.0011/9/2010 4:13:47 AM
dreamhope$25.00$25.0011/9/2010 7:04:56 AM
bonus-sensai825$25.00$25.0011/9/2010 7:31:15 AM
bxdoc$50.00$50.0011/9/2010 10:43:28 AM
melodious-fairness$50.00$50.0011/9/2010 10:36:23 AM
jetsons6866$50.00$50.0011/9/2010 2:17:27 PM
selector568$500.00$500.0011/9/2010 3:24:48 PM
rudymac777$30.00$30.0011/9/2010 3:34:19 PM
tolerant-dinero2$25.00$25.0011/8/2010 2:44:23 PM
greenventures$25.00$25.0011/8/2010 2:35:55 PM
GElender$50.00$50.0011/8/2010 2:37:47 PM
williemc44$50.00$50.0011/8/2010 2:43:51 PM
icchok$50.00$50.0011/8/2010 2:55:37 PM
inspired-investment8$50.00$50.0011/8/2010 2:56:16 PM
rekitten$100.00$100.0011/8/2010 3:04:12 PM
simplelender80$100.00$100.0011/8/2010 3:04:32 PM
investment-comet$25.00$25.0011/8/2010 2:44:09 PM
ichibon$150.00$150.0011/8/2010 2:55:53 PM
organized-payment6$50.00$50.0011/8/2010 2:56:45 PM
vigorous-velocity$100.00$100.0011/8/2010 3:08:16 PM
objective-investor$150.00$150.0011/8/2010 3:09:01 PM
ray1051$75.00$75.0011/8/2010 2:56:53 PM
DDPrime$100.00$100.0011/8/2010 2:56:56 PM
bold-durability-drum$50.00$50.0011/8/2010 2:57:56 PM
Sam65$25.00$25.0011/8/2010 3:11:23 PM
skuba$25.00$25.0011/8/2010 2:59:13 PM
handshake5$100.00$100.0011/8/2010 2:59:40 PM
nickel-ferret$50.00$50.0011/8/2010 3:01:32 PM
Bio-physicist$25.00$25.0011/8/2010 3:52:36 PM
invest-in-ed$140.00$140.0011/8/2010 3:23:25 PM
420limo$25.00$25.0011/8/2010 6:52:14 PM
exchange-upholder0$25.00$25.0011/8/2010 8:51:10 PM
upperdeck$25.00$25.0011/9/2010 4:50:57 AM
dpries123$25.00$25.0011/9/2010 7:45:28 AM
yield-enlistment$25.00$25.0011/9/2010 9:21:21 AM
orbital-return316$25.00$25.0011/9/2010 9:48:27 AM
jayk63$25.00$25.0011/9/2010 1:40:36 PM
jeremy20$25.00$25.0011/9/2010 2:26:28 PM
Brown98$50.00$50.0011/9/2010 3:24:04 PM
payout-paladin0$25.00$25.0011/9/2010 4:10:36 PM
61 bids
 
Borrower Payment Dependent Notes Series 483353
This series of Notes was issued and sold upon the funding of the borrower loan #45420, 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: 10.80% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-11-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $205.47
 
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: Jul-2003 Debt/Income ratio: 15%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,268Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: Afrocentric 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
Need an apartment before christmas.
Purpose of loan:
This loan will be used to move from my current address to a much more affordable apartment in december 2010 (which is in less than 2 months), so i need to have the money ready before?December 1st?2010. I currently live with someone who?is trying their best to pay their half of the rent, so no, I'm not being the whole $2577 by myself.

My financial situation:
I am a good candidate for this loan because I do pay all my bill on time, so you will not be disappointed.

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $?1300
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 140
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $?60
??Credit cards and other loans: $ 250/month
??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)
velocity-solo$25.00$25.0011/8/2010 3:06:05 PM
valiant-liberty4$25.00$25.0011/8/2010 3:20:32 PM
Duanep01$50.00$50.0011/8/2010 3:54:47 PM
JagFan$25.00$25.0011/8/2010 3:55:32 PM
blue_skies_ahead$25.00$25.0011/8/2010 3:56:40 PM
Comoparklender$25.00$25.0011/8/2010 3:13:52 PM
israel15$25.00$25.0011/8/2010 4:00:33 PM
CSUgrad08$25.00$25.0011/8/2010 4:04:36 PM
Speculator$65.12$65.1211/8/2010 3:59:36 PM
Banker7371$25.00$25.0011/8/2010 4:01:07 PM
Artist_Blue$25.00$25.0011/8/2010 4:08:09 PM
Kreditorium$25.00$25.0011/8/2010 4:04:39 PM
successful-agreement7$100.00$100.0011/8/2010 4:18:04 PM
zippy-interest$25.00$25.0011/8/2010 3:58:38 PM
macgeek$25.00$25.0011/8/2010 3:59:53 PM
balance-hercules$50.00$50.0011/8/2010 4:01:18 PM
SDNLR$25.00$25.0011/8/2010 4:02:02 PM
nybanker85$50.00$50.0011/8/2010 4:17:17 PM
balance-handshake7$25.00$25.0011/8/2010 4:18:16 PM
rhightower003$25.00$25.0011/8/2010 4:05:45 PM
parsec9$25.00$25.0011/8/2010 4:07:05 PM
platinum-hunter7$25.00$25.0011/8/2010 4:36:18 PM
inspiring-reward$150.00$150.0011/8/2010 4:21:00 PM
asset-professor$27.10$27.1011/8/2010 6:13:25 PM
simplelender80$200.00$200.0011/8/2010 4:26:48 PM
danthemon35$25.00$25.0011/8/2010 6:13:26 PM
kulender$50.00$50.0011/8/2010 4:28:23 PM
Trakissta$150.00$150.0011/8/2010 8:06:03 PM
moola-wildebeest3$25.00$25.0011/8/2010 4:43:12 PM
value-microscope$25.00$25.0011/9/2010 3:13:52 AM
420limo$30.00$30.0011/8/2010 6:54:20 PM
drg6289$25.00$25.0011/9/2010 2:27:33 AM
Nazbuster$50.00$50.0011/8/2010 8:33:54 PM
371millwood$300.00$300.0011/9/2010 5:04:27 AM
archeanchaos$25.00$25.0011/9/2010 2:22:10 AM
FutureLenderEC$25.00$25.0011/9/2010 6:48:27 AM
lloyd_s$25.00$25.0011/9/2010 3:01:03 AM
HedgeFund$32.39$32.3911/9/2010 6:16:09 AM
special-currency6$38.92$38.9211/9/2010 3:22:50 AM
iLoaner$25.00$25.0011/9/2010 4:58:35 AM
WBB21$25.00$25.0011/9/2010 5:52:25 AM
ambmba$25.99$25.9911/9/2010 8:38:57 AM
realinvestora$25.00$25.0011/9/2010 8:03:19 AM
enriching-fund4$40.94$40.9411/9/2010 10:03:10 AM
rr9mailcarrier$74.84$74.8411/9/2010 1:06:34 PM
sensible-penny143$25.00$25.0011/9/2010 12:45:36 PM
jga516$25.00$25.0011/9/2010 2:34:35 PM
radiant-loan5$184.02$184.0211/9/2010 3:11:35 PM
Roundhouse$100.00$100.0011/9/2010 8:58:23 PM
thatguyoverseas$43.47$43.4711/10/2010 6:16:17 AM
bankbuddy55$50.00$50.0011/10/2010 7:10:18 AM
euro-flower$50.00$50.0011/10/2010 8:41:51 AM
personal-lender$25.00$25.0011/10/2010 2:33:49 PM
benefit-banshee$50.00$50.0011/10/2010 7:24:03 PM
missing-link$25.00$25.0011/10/2010 3:06:35 PM
sctmac12$25.00$25.0011/10/2010 4:27:39 PM
honey-money$25.00$25.0011/10/2010 5:33:19 PM
850$50.00$50.0011/10/2010 11:59:03 PM
PAULBOT$100.00$100.0011/11/2010 12:16:38 AM
WalnutCreekguy$50.00$50.0011/11/2010 8:51:42 AM
careful-compassion$25.00$25.0011/11/2010 11:38:54 AM
lawyervon$25.00$25.0011/11/2010 12:13:32 PM
108lender$250.00$120.6511/11/2010 12:30:30 PM
Reliance_Banker$25.00$25.0011/11/2010 7:15:02 PM
bid-czar8$50.00$50.0011/8/2010 3:06:52 PM
WindyKid$42.76$42.7611/8/2010 3:56:39 PM
Lender0424$50.00$50.0011/8/2010 3:56:41 PM
magnolia161$50.00$50.0011/8/2010 3:56:54 PM
vacaerol$25.00$25.0011/8/2010 3:58:07 PM
forthright-dedication$50.00$50.0011/8/2010 3:30:50 PM
supersarah61$25.00$25.0011/8/2010 4:03:22 PM
worth-arch$25.00$25.0011/8/2010 4:03:30 PM
texrob20$25.00$25.0011/8/2010 3:55:09 PM
kmprospeo$50.00$50.0011/8/2010 3:58:00 PM
dedicated-diversification5$100.00$100.0011/8/2010 4:12:17 PM
washboard1$50.00$50.0011/8/2010 4:13:14 PM
reflective-rupee$44.00$44.0011/8/2010 3:58:01 PM
r0b3m4n$25.00$25.0011/8/2010 4:00:08 PM
hopethisworks$25.00$25.0011/8/2010 4:17:42 PM
tech310$25.00$25.0011/8/2010 4:17:51 PM
bonus-chosen-one$25.00$25.0011/8/2010 4:06:18 PM
Evan_Safe$25.00$25.0011/8/2010 4:06:50 PM
zone6$100.00$100.0011/8/2010 4:07:28 PM
Interstate_Rate$50.00$50.0011/8/2010 4:23:25 PM
desertoasis$25.00$25.0011/8/2010 4:23:56 PM
SolarMoonshine$25.00$25.0011/8/2010 5:20:19 PM
Jonb6919$25.00$25.0011/9/2010 3:00:26 AM
truth-eclair$25.00$25.0011/8/2010 10:53:05 PM
zjonathan$25.00$25.0011/9/2010 2:25:35 AM
money-bauble$25.00$25.0011/9/2010 8:09:19 AM
foothillender$25.00$25.0011/9/2010 6:47:10 AM
ahalls$25.00$25.0011/9/2010 8:38:18 AM
finance-mushroom$100.00$100.0011/9/2010 9:42:07 AM
Anny-Disco$50.00$50.0011/9/2010 8:54:50 AM
6moonbeams$50.00$50.0011/9/2010 10:29:44 AM
Tom579$29.33$29.3311/9/2010 10:43:14 AM
LittlePiggyBank$50.00$50.0011/9/2010 11:12:25 AM
tigercat$50.00$50.0011/9/2010 11:07:49 AM
slushfunder$50.00$50.0011/9/2010 12:33:01 PM
JGB$45.47$45.4711/9/2010 2:34:28 PM
finance-prescription$50.00$50.0011/10/2010 8:04:04 AM
Banker_Joe$50.00$50.0011/10/2010 2:49:54 PM
jigsaw$50.00$50.0011/10/2010 3:02:25 PM
Kaj$25.00$25.0011/11/2010 3:58:04 AM
DHolly$30.00$30.0011/11/2010 6:11:52 AM
loyalist1$50.00$50.0011/11/2010 6:50:25 AM
rhin0cerx$50.00$50.0011/11/2010 10:44:51 AM
platinum-celebration4$25.00$25.0011/11/2010 12:18:46 PM
108 bids
 
Borrower Payment Dependent Notes Series 483691
This series of Notes was issued and sold upon the funding of the borrower loan #45395, 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-10-2010 
  Auction end date:  Nov-17-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $160.63
Final lender yield: 16.15% Final borrower rate/APR: 17.15% / 20.49% Final monthly payment: $142.91
 
Auction yield range: 10.57% - 24.75% Estimated loss impact: 10.17%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1997 Debt/Income ratio: 30%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 15 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,345Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: Rumi24 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: 0 / 1 On-time: 34 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2009)
680-699 (Mar-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Paying off last of the credit cards
Purpose of loan:
This loan will be used to?
pay off the last of the credit cards.
My financial situation:
I am a good candidate for this loan because?
I have a very steady job with a very stable company and the prospects of moving into a higher position. Everybody in the family is very healthy now.
Monthly net income: $ 1200.00

Monthly expenses: $ 495
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $0
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $50
??Credit cards and other loans: $ 265
??Other expenses: $?30 gym
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, Would you please describe your job a little bit more? Thanks, - p2ploan-sensation211
A: I work in the payroll department as a clerk . But a manager in the accounts payable department is waiting for an opening in her department so that I can transfer. It will be for higher pay and a better chance of moving to higher positions. (Nov-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CA_Lender$25.00$25.0011/10/2010 2:43:22 PM
Reliance_Banker$25.00$25.0011/11/2010 7:16:03 PM
vine99$50.00$50.0011/11/2010 10:05:20 PM
loanman2007$150.00$150.0011/12/2010 5:33:46 AM
sweety075$25.00$25.0011/16/2010 9:56:44 PM
golffish2$100.00$100.0011/17/2010 8:06:35 AM
credit-missile$25.00$25.0011/17/2010 9:20:19 AM
credit-missile$25.00$25.0011/17/2010 9:21:12 AM
favorite-commerce$50.00$50.0011/17/2010 9:12:51 AM
gothampark$25.00$25.0011/17/2010 10:09:01 AM
FinanceEngine$26.00$26.0011/17/2010 7:57:27 AM
KTOWN$35.00$35.0011/17/2010 10:15:25 AM
commerce-yeller$25.00$25.0011/17/2010 11:43:22 AM
favorite-commerce$50.00$50.0011/17/2010 9:14:03 AM
grampy48$35.00$35.0011/17/2010 12:37:07 PM
credit-missile$25.00$25.0011/17/2010 9:22:08 AM
rutzebach$50.00$50.0011/17/2010 11:45:24 AM
Moe87$25.00$25.0011/17/2010 1:13:58 PM
KrisKringle$25.00$25.0011/17/2010 1:35:23 PM
alphabet76$25.00$25.0011/17/2010 2:14:50 PM
MoneyForNothing$31.03$31.0311/11/2010 11:06:12 AM
CASSHMAN$125.00$125.0011/13/2010 9:23:53 AM
investment-artist$25.00$25.0011/13/2010 10:46:56 AM
mdaallen$33.57$33.5711/15/2010 9:51:00 AM
1st_Prosper_Lender$25.00$25.0011/16/2010 4:52:36 AM
grammaspurse$25.00$25.0011/16/2010 11:09:37 AM
klemer$25.00$25.0011/16/2010 9:26:12 AM
Mikale360$25.00$25.0011/17/2010 6:56:55 AM
convergentthinker$25.00$25.0011/17/2010 7:50:21 AM
PotBellyPete$100.00$100.0011/17/2010 8:10:46 AM
doopers$25.00$25.0011/17/2010 8:10:50 AM
Lender-Trader$1,000.00$1,000.0011/17/2010 7:29:52 AM
wlm3012$25.00$25.0011/17/2010 7:58:44 AM
Lender-Trader$1,247.19$1,247.1911/17/2010 8:07:13 AM
credit-missile$25.00$25.0011/17/2010 9:20:45 AM
credit-missile$25.00$25.0011/17/2010 9:21:42 AM
outofoffice$46.19$46.1911/17/2010 7:41:50 AM
fairness-coup8$25.00$25.0011/17/2010 7:59:18 AM
Lender-Trader$147.19$147.1911/17/2010 8:05:55 AM
honey-money$25.00$25.0011/17/2010 9:01:38 AM
BlessedEveryDay$25.00$25.0011/17/2010 12:27:12 PM
a-wealth-visionary$29.95$29.9511/17/2010 11:33:17 AM
bigbrowntruck$25.00$25.0011/17/2010 9:42:54 AM
Oranje88$50.00$50.0011/17/2010 11:27:46 AM
p2ploan-sensation211$25.00$18.8811/17/2010 2:35:19 PM
45 bids
 
Borrower Payment Dependent Notes Series 484017
This series of Notes was issued and sold upon the funding of the borrower loan #45426, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-12-2010 
  Auction end date:  Nov-15-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $226.18
 
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): 6 First credit line: Feb-1991 Debt/Income ratio: 19%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 17Length of status:28y 4m
Amount delinquent: $0 Total credit lines: 48 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,483Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: Raisemyscore77 Borrower's state: NewMexico Borrower's group: 1st and BEST for Loans
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: 28 ( 90% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 3 ( 10% )  
560-579 (Feb-2008)
 
Principal balance: $617.83 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Consolidate Debt - Next Phase
Purpose of loan:
This loan will be used to? Further consolidate and payoff the last of my high rate debt. With these funds I will payoff the last of my high rate personal loan debt

My financial situation:
I am a good candidate for this loan because? I have a current prosper loan, that has almost been paid off, and I have established a good history on that account. Also, I have a 3 year plan that I am in year 2 now, and with this loan will be high rate credit card free. Also, I live in the state of New Mexico and ny friends and family cannot bid any longer.

Monthly net income: $
$8925????
Monthly expenses: $
??Housing: $ 2186.00
??Insurance: $?200
??Car expenses: $ 750
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 1500????
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is the interest rate on the next card you are trying to attack and what rate are you hoping to be funded at here? - Zoomzoom22
A: I would payoff a Wells Fargo Financial at 35%, and a Citibank personal loan at 34.9. Even if the rate of the Prosper loan is similiar at least I will pay it off in 3 years, instead of taking 5 years. Thanks for asking (Nov-12-2010)
Q: Could you talk about the previous delinquencies on the prosper loan? - bright-exchange
A: Yes, Thanks for asking. I had two payments returned in Aug, and Oct of 2009, due to a death in the family that caused me to have to travel. After the payments were returned I was able to pay both within a week. It was a timing thing with my payvchecks. The 3rd of the returned payments was an oversight of being out of town and not transferring funds on time from another account. All 3 payments were re-submitted and paid therefore never going over 30 days. (Nov-13-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glroark$50.00$50.0011/12/2010 2:53:59 PM
Thylow$100.00$100.0011/12/2010 2:58:05 PM
velocity-solo$25.00$25.0011/12/2010 3:11:46 PM
Zoomzoom22$56.35$56.3511/12/2010 9:26:01 PM
retired272$25.00$25.0011/13/2010 12:47:02 PM
sensible-order2$50.00$50.0011/13/2010 11:39:10 AM
brother_tam$49.94$49.9411/13/2010 4:49:09 PM
SolarMoonshine$25.00$25.0011/13/2010 3:28:10 PM
loanman2007$75.00$75.0011/14/2010 7:26:26 AM
first-serene-credit$25.00$25.0011/14/2010 6:31:14 AM
glroark$50.00$50.0011/14/2010 4:58:27 PM
371millwood$100.00$100.0011/14/2010 3:30:35 PM
Kash2010lu$50.00$50.0011/14/2010 5:10:31 PM
buffalobills$25.00$25.0011/15/2010 7:36:16 AM
lendstats_com$200.00$200.0011/15/2010 8:40:03 AM
reflective-rupee$44.00$44.0011/15/2010 11:27:39 AM
graceful-investment$50.00$50.0011/15/2010 10:57:50 AM
113121$1,000.00$311.7111/15/2010 11:14:27 AM
Thylow$25.00$25.0011/12/2010 2:56:56 PM
Amber_Stone$25.00$25.0011/12/2010 3:31:45 PM
reflective-rupee$44.00$44.0011/12/2010 3:35:57 PM
CashFlow13$2,500.00$2,500.0011/13/2010 7:51:38 AM
selector568$50.00$50.0011/13/2010 7:54:11 AM
Zoomzoom22$300.00$300.0011/13/2010 6:08:17 AM
investment-artist$25.00$25.0011/13/2010 9:47:19 AM
forthright-dedication$25.00$25.0011/13/2010 2:41:09 PM
secondreality$25.00$25.0011/13/2010 3:59:35 PM
SFBank$300.00$300.0011/13/2010 4:35:46 PM
Ubiquinone$25.00$25.0011/13/2010 6:49:47 PM
Artist_Blue$25.00$25.0011/14/2010 12:33:38 PM
lender12345$25.00$25.0011/14/2010 1:40:13 PM
superb-kindness2$25.00$25.0011/14/2010 8:22:42 AM
wlm3012$25.00$25.0011/14/2010 9:02:56 AM
BankofBen$25.00$25.0011/14/2010 9:50:39 AM
bright-exchange$25.00$25.0011/14/2010 10:44:16 AM
p2ploan-sensation211$25.00$25.0011/14/2010 5:25:57 PM
valiant-liberty4$25.00$25.0011/14/2010 8:52:21 PM
blitzen40$25.00$25.0011/14/2010 8:24:24 PM
outofoffice$50.00$50.0011/15/2010 7:58:39 AM
money-bauble$25.00$25.0011/15/2010 7:19:11 AM
reflective-rupee$44.00$44.0011/15/2010 11:27:14 AM
41 bids
 
Borrower Payment Dependent Notes Series 452866
This series of Notes was issued and sold upon the funding of the borrower loan #45441, 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-10-2010 
  Auction end date:  Nov-17-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
Final lender yield: 29.00% Final borrower rate/APR: 30.00% / 33.61% Final monthly payment: $212.26
 
Auction yield range: 13.57% - 33.35% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 13.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1997 Debt/Income ratio: 53%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:8y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,076Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: jbk33 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 / 1 On-time: 25 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2008)
 
Principal balance: $1,789.42 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off a high interest credit card.

My financial situation:
I am a good candidate for this loan because I have a solid income and pay all of my bills on time. My credit rating is not good due to some poor money management many years ago. My job security and current income are allowing me to clean up my credit. I have had a previous prosper loan? and all payments were made on time.

Monthly net income: $ 3181

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 342
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 450
??Clothing, household expenses?
??Credit cards and other loans: $ 370
??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: How did your debt/income ratio get so high? Thanks. - squarebob
A: My income was quite a bit higher a few years ago. I got laid off of a good paying job. I've seen found good work, just not quite as much pay, but I continue to pay all my bills on time. (Nov-15-2010)
Q: You still owe $1700 on your existing Prosper loan, are you going to pay that loan off with this money or are you going to have 2 outstanding Prosper loans? - Zoomzoom22
A: I will have 2 loans. All payments on the 1st one have been on time. (Nov-15-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ZPBSFinancialGroup$25.00$25.0011/10/2010 8:19:19 PM
Kash2010lu$50.00$50.0011/12/2010 11:40:27 AM
investment-artist$25.00$25.0011/13/2010 10:13:47 AM
labyrinth0$25.00$25.0011/15/2010 6:11:48 PM
ORcowboy$50.00$50.0011/15/2010 11:02:46 PM
George2384$25.00$25.0011/16/2010 8:41:34 AM
principal-laser$50.00$50.0011/16/2010 4:50:19 AM
Starfin-Capital-Management$68.81$68.8111/16/2010 3:32:01 PM
rlbbank$25.00$25.0011/16/2010 5:16:10 PM
niq4soccer$25.00$25.0011/16/2010 7:10:14 PM
sweety075$25.00$25.0011/16/2010 9:20:33 PM
orange-pound-party$29.73$29.7311/16/2010 8:55:22 PM
thebadpelican$25.00$25.0011/16/2010 10:31:22 PM
brightest-dignified-penny$25.00$25.0011/16/2010 10:35:10 PM
Lender-Trader$2,000.00$1,758.6211/17/2010 6:51:32 AM
DasMula$25.00$25.0011/17/2010 8:11:32 AM
Phatt-Daddy$25.00$25.0011/17/2010 7:30:59 AM
El_Profesional$25.00$25.0011/17/2010 8:25:57 AM
Rashanir$25.00$25.0011/17/2010 8:15:44 AM
friendinmoney$35.37$35.3711/17/2010 9:07:20 AM
Lender-Trader$557.78$557.7811/17/2010 7:15:23 AM
2grindstones$25.00$25.0011/17/2010 10:12:13 AM
Bob450$25.00$25.0011/17/2010 7:49:11 AM
PotBellyPete$50.00$50.0011/17/2010 8:04:38 AM
trumpeter5$25.00$25.0011/17/2010 12:18:53 PM
grampy48$40.00$40.0011/17/2010 12:34:18 PM
minnesotafinancial$25.00$25.0011/17/2010 9:19:00 AM
worthy-bid4$34.40$34.4011/17/2010 9:22:54 AM
generous-agreement$25.00$25.0011/17/2010 9:29:55 AM
skaught$25.00$25.0011/17/2010 1:36:08 PM
autumn_leaves$25.00$25.0011/17/2010 1:50:54 PM
Snoopylover$25.00$25.0011/17/2010 1:59:33 PM
p2ploan-sensation211$25.00$25.0011/17/2010 2:33:57 PM
moola-monger9$50.00$50.0011/17/2010 2:05:36 PM
Banker_Joe$50.00$50.0011/17/2010 2:20:15 PM
YoungTaxMan$98.03$98.0311/17/2010 2:29:58 PM
friendinmoney$25.00$25.0011/17/2010 2:37:39 PM
ultimate-peace$62.00$62.0011/17/2010 12:35:49 PM
gadget7$25.27$25.2711/17/2010 2:11:35 PM
Milonguero$100.00$100.0011/10/2010 6:44:03 PM
brondero$150.00$150.0011/12/2010 11:02:31 AM
seadrg$25.00$25.0011/15/2010 8:14:35 AM
first-serene-credit$25.00$25.0011/15/2010 11:17:10 AM
DonTraveler99$45.77$45.7711/15/2010 4:59:15 PM
lucrative-loan$50.00$50.0011/16/2010 3:39:41 AM
supreme-hope$25.00$25.0011/16/2010 10:11:26 AM
realtormoises$25.00$25.0011/16/2010 10:48:45 AM
Leshan$29.17$29.1711/16/2010 5:05:09 PM
credit-missile$25.00$25.0011/16/2010 5:24:58 PM
gothampark$25.00$25.0011/16/2010 5:22:53 PM
credit-missile$25.00$25.0011/16/2010 5:25:40 PM
credit-missile$25.00$25.0011/16/2010 5:25:15 PM
Mikale360$25.00$25.0011/17/2010 6:54:40 AM
Rulea72$43.58$43.5811/17/2010 7:02:24 AM
credit-missile$25.00$25.0011/17/2010 6:53:54 AM
Leopoldine$25.00$25.0011/17/2010 7:21:00 AM
adorable-commitment$47.00$47.0011/17/2010 8:09:32 AM
jhernand17$25.00$25.0011/17/2010 9:00:25 AM
Lender-Trader$250.00$250.0011/17/2010 6:44:40 AM
unger$100.00$100.0011/17/2010 8:02:10 AM
Leshan$57.00$57.0011/17/2010 8:23:08 AM
Brown98$25.00$25.0011/17/2010 12:56:55 PM
head$25.00$25.0011/17/2010 12:37:03 PM
transamerican$29.31$29.3111/17/2010 12:49:04 PM
nickel-hickory$61.03$61.0311/17/2010 10:17:18 AM
CaliforniaSun$25.00$25.0011/17/2010 1:16:04 PM
autumn_leaves$25.00$25.0011/17/2010 1:51:48 PM
verticalhorizon$52.13$52.1311/17/2010 2:21:56 PM
68 bids
 
Borrower Payment Dependent Notes Series 455522
This series of Notes was issued and sold upon the funding of the borrower loan #45435, 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: 10.80% Auction start date:  Nov-01-2010 
  Auction end date:  Nov-07-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $184.92
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $184.92
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1995 Debt/Income ratio: 43%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,547Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: marble9 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
Plumbing Needs to be Fixed!
Purpose of loan:
This loan will be used to fix some plumbing around my house.? Apparently the homebuilder wanted to use PVC piping instead of copper, now I have issues with it leaking onto my ceilings.? I need to get this fixed!
My financial situation:
I am a good candidate for this loan because? I have stable employment with a growing company.? I also have great credit history, and have never missed any payments.? My wife, a pharmacist, is also gainfully employed; and easily make enought to cover our existing debts.? I would be willing to answer any and all questions asked.? 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
Q: What are your total monthly budgeted expenses and income broken down by category? Why haven't you had the opportunity to save $4,500 for this expense if you and your wife have stable employment? Payoff early (this loan)? - ZPBSFinancialGroup
A: Income $12,580/mo Expenses $1,400 mortgage $329 Home Equity loan $800 car loans $2,000 student loans $4,000 credit card $300 gas $2000 misc We just had a baby and haven't exactly had a chance to stabilize our budget. We are working on it. (Nov-01-2010)
Q: what is your annual income? 25,000 - 49,999 annual income to 12,000 monthly income matches like a size 25 mens shoe on me. - beakerfish
A: 42,000 base (Nov-02-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radiant-loan5$200.00$200.0011/1/2010 3:22:31 PM
platinum-celebration4$25.00$25.0011/1/2010 3:41:16 PM
simplelender80$200.00$200.0011/1/2010 3:29:39 PM
velocity-solo$25.00$25.0011/1/2010 3:42:07 PM
JustMee$25.00$25.0011/1/2010 6:59:18 PM
inspiring-reward$29.09$29.0911/1/2010 8:28:07 PM
missing-link$100.00$100.0011/2/2010 2:18:09 PM
reflective-rupee$44.00$44.0011/2/2010 3:23:40 PM
handshake5$100.00$100.0011/2/2010 3:37:48 PM
bold-attentive-listing$25.00$25.0011/3/2010 9:03:42 AM
profit-powerplant$50.00$50.0011/3/2010 1:27:13 PM
worthy-bid8$25.00$25.0011/3/2010 3:06:06 PM
nickel-hickory$25.00$25.0011/3/2010 4:02:40 PM
worthy-bid4$100.00$100.0011/4/2010 6:17:36 AM
greenback-bull6$50.00$50.0011/4/2010 10:19:26 AM
gain-gourd$50.00$50.0011/4/2010 1:12:11 PM
flwah$25.00$25.0011/4/2010 2:12:39 PM
vigorous-velocity$100.00$100.0011/4/2010 3:30:48 PM
IIP77$25.00$25.0011/4/2010 3:43:21 PM
top-benefit-musician$25.00$25.0011/4/2010 7:33:16 PM
well-mannered-income3$30.00$30.0011/4/2010 7:26:17 PM
FeedTheMachine$100.00$100.0011/5/2010 7:03:38 AM
money-bauble$25.00$25.0011/5/2010 11:48:33 AM
dynrep$25.00$25.0011/5/2010 3:39:24 PM
reflective-cash0$50.00$50.0011/5/2010 3:43:07 PM
Katburg$25.00$25.0011/5/2010 3:41:13 PM
larrybird$56.11$56.1111/5/2010 3:41:23 PM
consummate-loyalty1$50.00$50.0011/5/2010 3:57:51 PM
littlejellybug$50.00$50.0011/5/2010 3:46:13 PM
helpishere777$25.00$25.0011/5/2010 4:33:27 PM
TakeCare$60.00$60.0011/5/2010 5:34:00 PM
musegaze$100.00$100.0011/5/2010 5:34:06 PM
gold-channel2$50.00$50.0011/5/2010 11:43:14 PM
hope-hickory$25.00$25.0011/5/2010 8:43:27 PM
LiveNow$25.00$25.0011/6/2010 6:06:17 AM
banker65010$25.00$25.0011/6/2010 2:16:19 PM
treasure-bliss$50.00$50.0011/6/2010 1:46:25 PM
scottharr27$50.00$50.0011/6/2010 3:36:23 PM
agiovasil$25.00$25.0011/6/2010 1:35:01 PM
studious-peso$25.00$25.0011/6/2010 3:55:45 PM
Ven58$25.00$25.0011/7/2010 1:18:54 PM
loan_doctor$25.00$25.0011/7/2010 2:20:30 PM
visionary-asset5$50.00$50.0011/7/2010 9:38:18 AM
nilonc1$25.00$25.0011/7/2010 9:49:35 AM
MadHun$40.46$40.4611/7/2010 10:46:39 AM
escharfer$25.00$12.9611/7/2010 2:36:59 PM
Hambone1111$25.00$25.0011/7/2010 2:23:13 PM
LMM1$30.00$30.0011/7/2010 2:27:44 PM
Scoote2912$25.00$25.0011/7/2010 2:34:44 PM
trade-goblin9$25.00$25.0011/7/2010 5:09:59 PM
valiant-liberty4$25.00$25.0011/1/2010 3:42:29 PM
Artist_Blue$25.00$25.0011/1/2010 3:40:53 PM
ZPBSFinancialGroup$25.00$25.0011/1/2010 5:43:16 PM
bid-czar8$50.00$50.0011/1/2010 5:28:51 PM
kulender$50.00$50.0011/2/2010 6:21:18 AM
suave-dime6$25.00$25.0011/2/2010 9:43:41 AM
macgeek$25.00$25.0011/2/2010 8:56:55 AM
graceful-investment$25.00$25.0011/2/2010 10:19:58 AM
108lender$100.00$100.0011/2/2010 3:28:34 PM
blue-useful-auction$25.00$25.0011/3/2010 9:44:44 AM
natural-greenback6$25.00$25.0011/3/2010 4:20:54 PM
economy-producer$25.00$25.0011/4/2010 3:45:39 PM
Comoparklender$25.00$25.0011/4/2010 7:40:41 PM
SolarMoonshine$25.00$25.0011/5/2010 4:16:31 AM
bountiful-durability$50.00$50.0011/5/2010 11:00:06 AM
GElender$50.00$50.0011/5/2010 3:35:42 PM
greenback-guard$25.00$25.0011/5/2010 3:47:29 PM
NoCal$30.00$30.0011/5/2010 3:43:49 PM
FASTIZIO_P$25.00$25.0011/5/2010 4:03:33 PM
ayerobbie$50.00$50.0011/5/2010 3:56:34 PM
tearingstar$25.00$25.0011/5/2010 4:58:56 PM
fairness-kayak$25.00$25.0011/5/2010 3:58:39 PM
Speculator$32.48$32.4811/5/2010 4:41:23 PM
Magog12$25.00$25.0011/5/2010 5:33:48 PM
shmb6508$50.00$50.0011/5/2010 5:01:56 PM
trade-guru938$100.00$100.0011/5/2010 7:45:43 PM
vibraphone3$50.00$50.0011/6/2010 5:30:59 AM
MONEYMATCH$25.00$25.0011/6/2010 5:38:38 AM
incbx$50.00$50.0011/5/2010 9:18:54 PM
honorable-yield$25.00$25.0011/6/2010 6:46:52 AM
smart-finance773$100.00$100.0011/6/2010 8:31:39 AM
Gibbyland$50.00$50.0011/6/2010 11:17:08 AM
AAe$25.00$25.0011/6/2010 11:01:54 AM
brother_tam$29.26$29.2611/6/2010 1:36:52 PM
Thylow$100.00$100.0011/6/2010 3:21:05 PM
frogperson$250.00$250.0011/6/2010 8:35:38 PM
orange-preeminant-bill$50.00$50.0011/6/2010 2:12:55 PM
EBITDA$25.00$25.0011/6/2010 5:40:53 PM
FadSaolAgat$50.00$50.0011/7/2010 7:51:03 AM
leverage-monger$25.00$25.0011/7/2010 8:05:03 AM
lcole32$25.00$25.0011/7/2010 2:27:25 PM
wwwUniversal$25.00$25.0011/7/2010 10:46:54 AM
mdf$28.95$28.9511/7/2010 2:20:49 PM
seisen$26.69$26.6911/7/2010 2:36:23 PM
honey-money$25.00$25.0011/7/2010 5:18:33 PM
helpwithoutbanks$25.00$25.0011/7/2010 5:25:46 PM
traice$25.00$25.0011/7/2010 2:20:44 PM
runner262$25.00$25.0011/7/2010 2:29:10 PM
red-power-pecan$50.00$50.0011/7/2010 2:34:02 PM
momoney2lend$25.00$25.0011/7/2010 2:36:38 PM
100 bids
 
Borrower Payment Dependent Notes Series 458468
This series of Notes was issued and sold upon the funding of the borrower loan #45371, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $20,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-13-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $626.73
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $626.73
 
Auction yield range: 2.57% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1971 Debt/Income ratio: 6%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,184Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: jlstyle 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
Debt Consolidation Loan
Purpose of loan:
This loan will be used to pay off some credit cards and take advantage of these historically low interest rates!

I make $200,000 / year and have an excellent credit score. I love to travel and usually put all the expenses on my credit cards so I don't have to carry around a lot of cash. I've been paying down my balances (in anticipation of my next vacation) and can't believe the competitive rates being offered by Prosper. I'd much rather pay interest to savvy investors than to the credit card companies.
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: Why are you borrowing $7K, when your revolving credit reveals you only owe $4K? Care to reveal your monthly NET income and a detailed account of your monthly expenses? - jpblan11
A: Wow, this is really interesting - my "revolving credit balance" here on Prosper is showing only ~$4,000. I'm not sure how the credit report identifies various accounts , but I'm regularly paying down balances on just over $21,000 worth of obligations. I'm never late on my payments, but my interest rate on these credit balances and loans averages around 13%. My monthly NET income is just over $11,000/month. I spend $2,000 on rent, from $4-6,000 paying debt - then whatever else. (Nov-10-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
value-pouch$50.00$50.0011/8/2010 2:36:49 PM
radforj22$100.00$100.0011/8/2010 2:36:58 PM
inforapenny$50.00$50.0011/8/2010 2:38:42 PM
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mattpet$25.00$25.0011/8/2010 2:46:45 PM
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letsbank$25.00$25.0011/8/2010 2:42:58 PM
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a-power-amigo$25.00$25.0011/8/2010 2:54:36 PM
BiggestG$25.00$25.0011/8/2010 2:54:42 PM
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FlexFunding$100.00$100.0011/8/2010 2:47:25 PM
kenji4861$25.00$25.0011/8/2010 2:47:31 PM
delicious-social132$50.00$50.0011/8/2010 2:47:49 PM
bndlending2u$50.00$50.0011/8/2010 2:49:25 PM
damage$25.00$25.0011/8/2010 2:51:08 PM
a-responsible-return$50.00$50.0011/8/2010 2:52:14 PM
antlr$50.00$50.0011/8/2010 2:52:23 PM
rlrcstr$25.00$25.0011/8/2010 2:52:35 PM
contract-festival7$25.00$25.0011/8/2010 3:14:16 PM
dumbass$25.00$25.0011/8/2010 3:14:20 PM
Mali1$33.19$33.1911/8/2010 3:14:26 PM
ommcd$25.00$25.0011/8/2010 2:53:21 PM
diligent-leverage$60.00$60.0011/8/2010 3:14:56 PM
mjunlimited$50.00$50.0011/8/2010 2:53:48 PM
trevandtal$25.00$25.0011/8/2010 3:15:43 PM
sajitk$25.00$25.0011/8/2010 2:54:43 PM
mizount$25.00$25.0011/8/2010 2:54:59 PM
PCGeekWI$25.00$25.0011/8/2010 2:55:03 PM
mpactlender$25.00$25.0011/8/2010 3:20:56 PM
lucky6$25.00$25.0011/8/2010 3:22:35 PM
jt88$50.00$50.0011/8/2010 3:14:59 PM
visionary-asset5$50.00$50.0011/8/2010 3:23:56 PM
heroic-platinum$25.00$25.0011/8/2010 3:24:02 PM
Swabjockey$25.00$25.0011/8/2010 3:15:59 PM
cash-pie$50.00$50.0011/8/2010 3:24:53 PM
Duchdad$25.00$25.0011/8/2010 3:17:09 PM
TheBestDad$25.00$25.0011/8/2010 3:26:18 PM
Namrok$25.00$25.0011/8/2010 3:28:14 PM
ramsbladder$25.00$25.0011/8/2010 3:28:22 PM
simpy$50.00$50.0011/8/2010 3:28:59 PM
systematic-dollar9$25.00$25.0011/8/2010 3:29:25 PM
ZeoInvestments$25.00$25.0011/8/2010 3:19:19 PM
VBAces$50.00$50.0011/8/2010 3:30:03 PM
Woodworker57$25.00$25.0011/8/2010 3:25:32 PM
onlyinchicago$50.00$50.0011/8/2010 3:59:00 PM
sjlender$50.00$50.0011/8/2010 3:14:28 PM
stikman$25.00$25.0011/8/2010 3:26:13 PM
cachecrew$50.00$50.0011/8/2010 3:14:44 PM
whistledicksmith$50.00$50.0011/8/2010 3:26:50 PM
orange-courageous-dedication$50.00$50.0011/8/2010 3:14:51 PM
TheReaderRabbit$50.00$50.0011/8/2010 3:27:39 PM
wise-silver-wonder$25.00$25.0011/8/2010 4:00:50 PM
doncm$50.00$50.0011/8/2010 4:00:55 PM
eronyc$25.00$25.0011/8/2010 4:00:58 PM
ArtemisFitzlebottom$50.00$50.0011/8/2010 3:29:01 PM
honorable-yield$50.00$50.0011/8/2010 3:18:31 PM
ujiba$50.00$50.0011/8/2010 3:29:59 PM
minddoc$25.00$25.0011/8/2010 4:03:03 PM
acsej$25.00$25.0011/8/2010 3:21:14 PM
crawfingers$25.00$25.0011/8/2010 3:21:44 PM
lounges$30.00$30.0011/8/2010 3:21:55 PM
anything-but-ordinary$25.00$25.0011/8/2010 3:54:17 PM
best-decisive-peace$50.00$50.0011/8/2010 3:54:31 PM
roadtruck$50.00$50.0011/8/2010 3:22:39 PM
meenan$25.00$25.0011/8/2010 3:23:53 PM
blot44$25.00$25.0011/8/2010 3:24:00 PM
PatRichi$25.00$25.0011/8/2010 4:00:40 PM
pawsitive$25.00$25.0011/8/2010 3:26:33 PM
kashikoe$25.00$25.0011/8/2010 4:01:02 PM
xphile$25.00$25.0011/8/2010 3:26:45 PM
dospapalotes$50.00$50.0011/8/2010 3:27:59 PM
turbostar666$50.00$50.0011/8/2010 3:28:11 PM
LizzieMN$50.00$50.0011/8/2010 3:28:34 PM
designs626$50.00$50.0011/8/2010 4:02:32 PM
equitable-yield4$25.00$25.0011/8/2010 4:02:41 PM
top-sensible-yield$25.00$25.0011/8/2010 3:28:56 PM
Tasmir$25.00$25.0011/8/2010 3:29:04 PM
gzeo$25.00$25.0011/8/2010 4:14:40 PM
MechEngineer$25.00$25.0011/8/2010 4:14:46 PM
peace-maximizer8$25.00$25.0011/8/2010 4:04:46 PM
Katburg$50.00$50.0011/8/2010 4:16:20 PM
asset-professor$30.01$30.0111/8/2010 4:05:55 PM
Weaverville$50.00$50.0011/8/2010 4:00:46 PM
the-upbeat-p2p$50.00$50.0011/8/2010 4:14:38 PM
PK_USMC$25.00$25.0011/8/2010 4:14:49 PM
McRowdy$25.00$25.0011/8/2010 4:14:52 PM
roto$25.00$25.0011/8/2010 4:03:18 PM
kind-adventurous-finance$25.00$25.0011/8/2010 4:26:12 PM
Captain88$25.00$25.0011/8/2010 4:14:48 PM
Yotaman$50.00$50.0011/8/2010 4:25:27 PM
alaskanbearcub$25.00$25.0011/8/2010 5:42:05 PM
dpfl55$25.00$25.0011/8/2010 4:26:14 PM
commerce-web5$100.00$100.0011/8/2010 8:39:59 PM
happyjackbak$50.00$50.0011/8/2010 6:55:32 PM
grlscz$25.00$25.0011/8/2010 11:48:18 PM
pubnat$25.00$25.0011/9/2010 2:28:28 AM
sentry256$25.00$25.0011/9/2010 2:28:47 AM
ddibernardo$25.00$25.0011/8/2010 9:33:01 PM
tatsuo20001$25.00$25.0011/9/2010 2:36:10 AM
bugleusmc$25.00$25.0011/9/2010 2:41:31 AM
tsquared_030$32.63$32.6311/9/2010 2:59:11 AM
easylender$25.00$25.0011/9/2010 2:24:46 AM
Cheburashka$30.00$30.0011/9/2010 2:27:36 AM
SeaLoans$25.00$25.0011/9/2010 3:01:26 AM
HuckerJ$50.00$50.0011/8/2010 8:01:32 PM
derfen$25.00$25.0011/9/2010 3:15:31 AM
capital-star5$25.00$25.0011/9/2010 5:03:39 AM
totoro$25.00$25.0011/9/2010 2:27:11 AM
racing777$50.00$50.0011/9/2010 5:57:55 AM
lostontheedge$25.00$25.0011/9/2010 3:00:52 AM
johnsails$37.11$37.1111/9/2010 3:01:17 AM
new-reward-sequoia$25.00$25.0011/9/2010 3:14:55 AM
gethsemane4$25.00$25.0011/9/2010 6:34:48 AM
creative-finance7$25.00$25.0011/9/2010 3:23:47 AM
resplendent-dollar$46.24$46.2411/9/2010 7:35:49 AM
kanakakm$50.00$50.0011/9/2010 5:52:23 AM
market-socrates4$50.00$50.0011/9/2010 8:54:46 AM
inderdeep90$30.00$30.0011/9/2010 9:38:23 AM
Aimvest$25.00$25.0011/9/2010 11:08:37 AM
calkidd05$25.00$25.0011/9/2010 9:23:47 AM
peace-saber0$25.00$25.0011/9/2010 11:43:28 AM
burgeoning-silver$25.00$25.0011/9/2010 11:58:49 AM
ciscoparrot$25.00$25.0011/9/2010 1:23:02 PM
chinolatino$50.00$50.0011/9/2010 2:33:29 PM
b2006$50.00$50.0011/9/2010 2:31:52 PM
mjjjrj$25.00$25.0011/9/2010 2:30:30 PM
p2p-voltage$25.00$25.0011/9/2010 2:31:59 PM
WorldlyWorker$25.00$25.0011/9/2010 2:33:19 PM
tuneman1980$25.00$25.0011/9/2010 3:36:28 PM
auction-sage$50.00$50.0011/9/2010 6:26:27 PM
principal-bull$25.00$25.0011/9/2010 6:57:24 PM
felicity-loyalist0$35.00$35.0011/9/2010 4:05:23 PM
rdking647$25.00$25.0011/9/2010 7:56:17 PM
agbullet55443$175.00$175.0011/9/2010 8:42:32 PM
Cai8899$75.00$75.0011/9/2010 8:45:20 PM
slojudy$29.45$29.4511/10/2010 12:48:57 AM
rhodylend$25.00$25.0011/9/2010 6:43:06 PM
Susie-Q$32.47$32.4711/9/2010 6:52:58 PM
tj1683$25.00$25.0011/10/2010 1:21:44 AM
lost-money-so-far-on-these$25.00$25.0011/10/2010 12:53:08 AM
brightest-dynamic-peace$25.00$25.0011/10/2010 9:34:15 AM
sanjl79$25.00$25.0011/10/2010 9:34:18 AM
wjf60$50.00$50.0011/10/2010 9:35:22 AM
JaceSpade$25.00$25.0011/10/2010 10:13:02 AM
djs81$25.00$25.0011/10/2010 10:58:55 AM
wtrboy$50.00$50.0011/10/2010 9:59:02 AM
tolstoy00$25.00$25.0011/10/2010 4:28:17 PM
maule$42.09$42.0911/10/2010 7:13:00 PM
cleared2land$25.00$25.0011/10/2010 8:53:07 PM
ArtLends$49.86$49.8611/10/2010 9:25:47 PM
janus_god$25.00$25.0011/10/2010 7:13:02 PM
Supp0rter$26.25$26.2511/11/2010 2:38:46 AM
DadWarbucks$43.63$43.6311/11/2010 2:43:02 AM
mistertao$25.00$25.0011/11/2010 7:40:13 AM
Marathoner$25.00$25.0011/11/2010 8:27:20 AM
newfoundation$25.00$25.0011/11/2010 9:05:12 AM
rate-negotiator$25.00$25.0011/11/2010 10:41:38 AM
Sykes66$25.00$25.0011/11/2010 11:07:33 AM
BGILlender$25.00$25.0011/11/2010 11:07:51 AM
goldeneye777$25.00$25.0011/11/2010 11:07:46 AM
lending-bear$41.63$41.6311/11/2010 11:07:52 AM
mwl$25.00$25.0011/11/2010 11:10:58 AM
ArmyGuy$25.00$25.0011/11/2010 12:12:15 PM
blueprosper$25.00$25.0011/11/2010 11:48:10 AM
wbahl$31.72$31.7211/11/2010 12:12:20 PM
saysana$25.00$25.0011/11/2010 1:04:36 PM
norcaliboy22$25.00$25.0011/11/2010 4:34:49 PM
GAOGERAM_BANK$25.00$25.0011/11/2010 6:24:12 PM
indomitable-coin$100.00$100.0011/11/2010 4:58:59 PM
ivar$25.00$25.0011/11/2010 7:06:49 PM
Simply2fly$25.00$25.0011/11/2010 7:21:21 PM
credit-vinyl$25.00$25.0011/11/2010 7:34:38 PM
bridgeguy$25.00$25.0011/11/2010 7:34:44 PM
Tapu22$50.00$50.0011/11/2010 8:19:21 PM
money-explorer3$50.00$50.0011/11/2010 10:09:10 PM
a-exponential-hope$25.00$25.0011/12/2010 6:27:15 AM
squarebob$25.00$25.0011/12/2010 7:55:43 AM
orange-trustworthy-fairness$25.00$25.0011/12/2010 6:19:17 AM
gold-sushi$50.00$50.0011/12/2010 7:36:12 AM
mikepat55$25.00$25.0011/12/2010 6:59:07 AM
squarebob$25.00$25.0011/12/2010 7:55:59 AM
rupee-prairie$25.00$25.0011/12/2010 9:45:38 AM
laniac$50.00$50.0011/12/2010 9:04:09 AM
minista$25.00$25.0011/12/2010 10:09:24 AM
economy-orchid$25.00$25.0011/12/2010 10:14:47 AM
lendingfrog$40.99$40.9911/12/2010 9:45:36 AM
greenback-guard$25.00$25.0011/12/2010 10:20:37 AM
zone6$28.46$28.4611/12/2010 11:40:52 AM
Westerly$50.00$50.0011/12/2010 1:04:14 PM
Roohugger$25.00$25.0011/12/2010 1:11:30 PM
larry2003$25.00$25.0011/12/2010 1:44:12 PM
jmainc$50.00$50.0011/12/2010 2:37:26 PM
OldestBrother$60.00$60.0011/12/2010 3:18:34 PM
skunkor2$39.32$39.3211/12/2010 3:20:20 PM
productive-finance$30.00$30.0011/12/2010 3:20:31 PM
Papa_Mema$25.00$25.0011/12/2010 3:22:49 PM
shrewd-deal$25.00$25.0011/12/2010 4:04:30 PM
elasermd$50.00$50.0011/12/2010 6:39:10 PM
sparkling-contract7$25.00$25.0011/12/2010 6:58:58 PM
affert$50.00$50.0011/12/2010 7:59:08 PM
dinero-oasis$25.00$25.0011/12/2010 7:49:13 PM
lazytom$50.00$50.0011/12/2010 9:29:10 PM
profitable-money$25.00$25.0011/12/2010 9:52:16 PM
nofreelunch$25.00$25.0011/13/2010 12:35:44 AM
ndwayno$25.00$25.0011/13/2010 12:35:10 AM
pleasant-dime$25.00$25.0011/13/2010 12:53:13 AM
loan-kung-fu$500.00$232.6611/13/2010 5:43:03 AM
tolerant-dinero2$25.00$25.0011/13/2010 10:05:54 AM
Dollars4Rent$25.00$25.0011/13/2010 11:07:14 AM
529 bids
 
Borrower Payment Dependent Notes Series 477030
This series of Notes was issued and sold upon the funding of the borrower loan #45409, 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: 4.95% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-15-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $254.15
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $254.15
 
Auction yield range: 5.57% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1994 Debt/Income ratio: 14%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:8y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,918Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: thyrsi Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
620-639 (Mar-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
The Leap to LA
Purpose of loan:
This loan will be used to help me make the transition to Los Angeles, CA to be a full time actor, writer and teaching artist.

My financial situation & experience:
I am a good candidate for this loan because I am a dedicated professional actor with proven results. I am a member of the Screen Actors Guild (SAG), Actors Equity Association (AEA) and the American Federation of Television and Radio Artists (AFTRA). Membership in these professional unions is only extended to a select few of highly trained and highly skilled artists. Since my last loan, I have made 6 national commercials and over 500 performances at the nationally acclaimed Second City Theatre in Chicago. In October 2010, I was nominated for a Joseph Jefferson Award for Best Actress in a Revue for my work there. The Jeff Award is the highest honor in regional theatre, second only to the nationally known Tony Award. In January 2011, I will appear in my second feature film, "The Dilemma" with Vince Vaughn directed by Ron Howard.

After over 12 years experience and commitment to in the entertainment industry in theatre, TV and film, I invested in new headshots and a reel and took a prospecting trip to LA this November. Based on my past success I secured meetings with the networks, managers and agents. I met with professionals at NBC, Creative Artists Agency, and The Collective LA. They all felt I have reached my full potential here in Chicago and that the time to move to LA is now.

I agree. The time is NOW. I believe real people with real talent can work hard and make it show business. I am proof of that.

Thank you for reading and positioning me to take the next step towards my dreams.

Monthly net income: $ 2000-$4000 (varies based on bookings and residuals from commercials)

Monthly expenses:
Relocation: Flight $0 (using my frequent flier miles)
Housing: $0 (I plan to sublet my apartment for the last two months and live with a relative in LA short term)
Phone/internet: $ 100
Storage (To store my furnishings until I get my own place): $90
Savings: $200
Health Insurance (via AEA): $35
Car Insurance: $100
Gas: $150
Food: $100
Research entertainment (meetings w/ producers for new projects, film/theatre tickets): $100
Commission to agents or manager: (varies) 10% to 15% of monthly income
Audition Expenses
Clothing (laundry, drycleaning) $75
Grooming (to be camera ready) $100
Headshot/resume/reel reproduction & mailings:$25
Gym Membership (no get skinny quick plans here): $35
Union Dues (must be paid to work and maintain heath insurance)
AFTRA $100
SAG $900 (yearly)
AEA $20
Credit cards and other loans: $250 (paid off alot from my last Prosper loan! 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)
kegs$150.00$150.0011/8/2010 2:42:13 PM
riproaringrapids$25.00$25.0011/8/2010 2:43:18 PM
bold-durability-drum$50.00$50.0011/8/2010 2:57:30 PM
investment-comet$25.00$25.0011/8/2010 2:43:58 PM
indomitable-coin$50.00$50.0011/8/2010 3:04:54 PM
Weaverville$50.00$50.0011/8/2010 2:44:28 PM
ichibon$150.00$150.0011/8/2010 2:55:40 PM
inspired-investment8$50.00$50.0011/8/2010 2:55:56 PM
natural-affluence4$25.00$25.0011/8/2010 2:57:59 PM
Sam65$25.00$25.0011/8/2010 3:10:42 PM
superb-funds335$25.00$25.0011/8/2010 3:13:57 PM
Artist_Blue$25.00$25.0011/8/2010 3:05:45 PM
rescue$100.00$100.0011/8/2010 3:07:27 PM
mjunlimited$50.00$50.0011/8/2010 3:08:22 PM
skuba$25.00$25.0011/8/2010 2:58:33 PM
handshake5$100.00$100.0011/8/2010 2:59:22 PM
GCInvestments$25.00$25.0011/8/2010 3:21:25 PM
loyalty-sherpa$50.00$50.0011/8/2010 3:23:03 PM
nickel-ferret$50.00$50.0011/8/2010 3:00:53 PM
objective-investor$150.00$150.0011/8/2010 3:08:32 PM
the-profit-oracle$25.00$25.0011/8/2010 3:22:14 PM
neutrino6$25.00$25.0011/8/2010 3:17:23 PM
missing-link$50.00$50.0011/8/2010 4:01:48 PM
LiveNow$25.00$25.0011/8/2010 3:18:13 PM
narblark$50.00$50.0011/8/2010 3:25:45 PM
flwah$25.00$25.0011/8/2010 3:25:56 PM
graceful-investment$100.00$100.0011/8/2010 4:15:11 PM
Montgomery-Burns$25.00$25.0011/8/2010 6:29:45 PM
minddoc$25.00$25.0011/9/2010 4:16:53 AM
mondial4$100.00$100.0011/9/2010 4:52:46 AM
aasx1108$25.00$25.0011/9/2010 5:13:24 AM
persistent-bazaar$76.63$76.6311/9/2010 6:29:00 AM
metro457$50.00$50.0011/9/2010 5:22:14 AM
crenen139$25.00$25.0011/9/2010 7:19:34 AM
orange-statuesque-dime$33.56$33.5611/9/2010 8:02:41 AM
generous-deal6$50.00$50.0011/9/2010 10:39:02 AM
enthusiastic-return2$50.00$50.0011/9/2010 9:38:55 AM
ciscoparrot$25.00$25.0011/9/2010 1:23:13 PM
marketplace-cello5$50.00$50.0011/9/2010 2:48:09 PM
successful-agreement7$100.00$100.0011/9/2010 2:49:02 PM
kulender$50.00$50.0011/9/2010 2:49:55 PM
dedicated-transaction796$62.40$62.4011/9/2010 3:45:57 PM
investment-artist$50.00$50.0011/10/2010 9:58:41 AM
rmpedi33$50.00$50.0011/10/2010 12:15:52 PM
blue-relay$25.00$25.0011/10/2010 6:37:54 PM
tieshuanpan$25.00$25.0011/10/2010 6:49:43 PM
FinanceEngine$25.00$25.0011/11/2010 10:08:32 AM
ptjg$50.00$50.0011/11/2010 12:38:15 PM
Only_Money$25.00$25.0011/11/2010 1:50:21 PM
one-midas$50.00$50.0011/11/2010 2:06:52 PM
himanshuko$25.00$25.0011/11/2010 8:05:45 PM
heerzaquestion$25.00$25.0011/12/2010 6:32:02 AM
desrman$100.00$100.0011/12/2010 12:16:30 PM
Hartfelt$25.00$25.0011/12/2010 7:06:41 PM
profitable-money$25.00$25.0011/12/2010 9:09:34 PM
tekstyle38$25.00$25.0011/12/2010 11:05:59 PM
respectful-credit3$50.00$50.0011/13/2010 3:37:12 AM
Dollars4Rent$25.00$25.0011/13/2010 11:12:51 AM
Thoth_88$200.00$200.0011/13/2010 8:54:43 PM
colorfulgardener$25.00$25.0011/13/2010 8:49:40 PM
wwwUniversal$25.00$25.0011/14/2010 1:30:38 PM
lender12345$25.00$25.0011/14/2010 1:23:32 PM
skifamily1992$25.00$25.0011/14/2010 9:35:21 PM
balance-force$25.00$25.0011/14/2010 11:40:47 PM
fizicks06$50.00$50.0011/14/2010 9:34:00 PM
MGMNT$50.00$50.0011/15/2010 7:48:13 AM
Digs$25.00$25.0011/15/2010 11:15:59 AM
durable-investment8$30.00$30.0011/15/2010 2:02:41 PM
Soulphoniks-Holdings$25.00$25.0011/15/2010 1:07:34 PM
GElender$50.00$50.0011/8/2010 2:37:30 PM
icchok$50.00$50.0011/8/2010 2:43:11 PM
BxRealtor$25.00$25.0011/8/2010 2:53:57 PM
ray1051$25.00$25.0011/8/2010 2:57:11 PM
williemc44$50.00$50.0011/8/2010 2:43:37 PM
nunnie$25.00$25.0011/8/2010 3:06:55 PM
vigorous-velocity$100.00$100.0011/8/2010 3:07:56 PM
enthralling-deal180$50.00$50.0011/8/2010 3:00:12 PM
helpishere777$25.00$25.0011/8/2010 3:12:41 PM
sumac5$100.00$100.0011/8/2010 3:15:06 PM
tech310$50.00$50.0011/8/2010 3:04:34 PM
finance_mba$25.00$25.0011/8/2010 3:15:27 PM
bid-czar8$50.00$50.0011/8/2010 3:17:45 PM
Gabriel02$25.00$25.0011/8/2010 3:18:36 PM
kmr2$200.00$200.0011/8/2010 3:07:12 PM
HedgeFund$50.00$50.0011/8/2010 3:21:35 PM
jdwillcox$100.00$100.0011/8/2010 2:59:44 PM
organized-payment6$25.00$25.0011/8/2010 3:00:44 PM
velocity-solo$25.00$25.0011/8/2010 3:14:32 PM
simplelender80$100.00$100.0011/8/2010 3:04:14 PM
a-finance-nirvana$25.00$25.0011/8/2010 3:27:56 PM
radforj22$25.00$25.0011/8/2010 3:29:09 PM
Rivervale_Westwood$25.00$25.0011/8/2010 3:18:56 PM
investment-comet$25.00$25.0011/8/2010 3:09:09 PM
larrybird$150.00$150.0011/8/2010 3:26:00 PM
orange-dollar-guild$25.00$25.0011/8/2010 3:29:25 PM
money-bauble$100.00$100.0011/8/2010 4:07:20 PM
hitsman$100.00$100.0011/8/2010 3:25:01 PM
bentheretoo$125.00$125.0011/8/2010 3:25:42 PM
bowdish1$50.00$50.0011/8/2010 3:27:01 PM
melodious-fairness$50.00$50.0011/8/2010 3:29:31 PM
108lender$150.00$150.0011/8/2010 4:17:28 PM
chlebie$25.00$25.0011/8/2010 4:17:59 PM
reflective-rupee$44.00$44.0011/8/2010 4:05:01 PM
jazzlender$36.06$36.0611/8/2010 4:22:45 PM
yield-enlistment$25.00$25.0011/8/2010 9:48:30 PM
thebadpelican$25.00$25.0011/8/2010 9:33:07 PM
ToweringDan$100.00$100.0011/9/2010 1:58:38 AM
the-stylish-euro$25.00$25.0011/9/2010 6:36:00 AM
lucrative-transparency0$25.00$25.0011/9/2010 7:40:47 AM
upperdeck$25.00$25.0011/9/2010 5:49:31 AM
worklessmakemore$50.00$50.0011/9/2010 9:30:50 AM
dunox$25.00$25.0011/9/2010 8:42:55 AM
topher515$25.00$25.0011/9/2010 10:04:05 AM
finance-mushroom$100.00$100.0011/9/2010 9:43:55 AM
maldok1$25.00$25.0011/9/2010 11:11:14 AM
systematic-dollar9$25.00$25.0011/9/2010 11:23:15 AM
alpinaut$25.00$25.0011/9/2010 2:37:53 PM
bambampk$25.00$25.0011/9/2010 11:55:51 AM
honorable-yield$35.00$35.0011/9/2010 2:45:58 PM
irrelevant$25.00$25.0011/9/2010 2:48:39 PM
tntmojave$25.00$23.9611/9/2010 2:52:07 PM
Dazz2061$25.00$25.0011/9/2010 2:44:05 PM
CAGE-Investments$25.00$25.0011/9/2010 2:47:03 PM
orgy63$45.65$45.6511/9/2010 2:48:18 PM
brienc$50.00$50.0011/9/2010 2:48:37 PM
studious-bonus7$100.00$100.0011/9/2010 2:51:59 PM
FinDoc$30.00$30.0011/9/2010 4:50:29 PM
systemlender$100.00$100.0011/9/2010 7:20:29 PM
nickel-demon2$50.00$50.0011/10/2010 3:44:01 PM
ksubd$25.00$25.0011/11/2010 7:55:38 AM
j2ee$25.00$25.0011/11/2010 8:55:29 AM
outofoffice$50.00$50.0011/11/2010 10:04:03 AM
moneytolend72$25.00$25.0011/11/2010 11:16:12 AM
honey-money$25.00$25.0011/11/2010 12:55:42 PM
vineet$25.19$25.1911/11/2010 2:17:01 PM
orbital-return316$25.00$25.0011/11/2010 2:45:50 PM
B1$36.88$36.8811/11/2010 8:36:42 PM
thankful-nickel2$25.00$25.0011/12/2010 5:35:51 AM
BankofHoneybear$50.00$50.0011/12/2010 10:26:16 AM
Chewbaca$25.00$25.0011/12/2010 3:46:32 PM
Gaelicman$50.00$50.0011/12/2010 4:30:46 PM
thesage$50.00$50.0011/13/2010 8:36:49 AM
tolerant-dinero2$25.00$25.0011/13/2010 10:05:57 AM
titan1$50.00$50.0011/13/2010 1:24:05 PM
1SteelerFan$30.00$30.0011/13/2010 11:29:33 PM
-Angel-Investor-$25.00$25.0011/13/2010 8:14:01 PM
hidavehi$39.00$39.0011/14/2010 10:23:16 AM
Nasdaq$25.00$25.0011/14/2010 8:30:04 AM
wwialnlgy$25.00$25.0011/14/2010 12:13:30 PM
qcksilvr20$50.00$50.0011/14/2010 5:54:41 PM
independent-dollar$25.00$25.0011/15/2010 9:22:51 AM
yield-enlistment$25.00$25.0011/15/2010 7:10:18 AM
classiccitizen$25.00$25.0011/15/2010 9:34:07 AM
UBOtto186$25.00$25.0011/15/2010 8:50:31 AM
lightninghcky7$25.00$25.0011/15/2010 9:25:41 AM
Trapman13$50.00$50.0011/15/2010 12:21:29 PM
bsmtloan$126.67$126.6711/15/2010 12:27:56 PM
157 bids
 
Borrower Payment Dependent Notes Series 480822
This series of Notes was issued and sold upon the funding of the borrower loan #45386, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Oct-27-2010 
  Auction end date:  Nov-03-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $80.32
Final lender yield: 12.00% Final borrower rate/APR: 13.00% / 16.25% Final monthly payment: $67.39
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.06%  
Lender servicing fee: 1.00% Estimated return: 1.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1971 Debt/Income ratio: 23%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Doctor
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: Yes  
Screen name: laxman310 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 10 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
680-699 (Jan-2010)
700-719 (Oct-2009)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
LOW RISK Improve Prosper Score
Purpose of loan:
This loan will be used to increase my short term liquidity and continue to build my prosper history.

My financial situation:
I am a good candidate for this loan because all my discretionary and living expenses are covered by my parents.

I am a medical resident, contracted for salary for 3.8 years, and make $42K.? After this, I will be a dermatologist (salary of 250K+).? I use this salary to fund my 401K and Roth IRA, and whatever is left over I invest in equities.

I have assets of approximately $200K.



Monthly net income: $42000

Please note I had 2 previous prosper loans, and paid them both back ahead of schedule.? If my rate is greater than my previous loan, I will not fund it.
If it is: 18-20%, I will pay it back in 6 months.
16-18%, I will pay it back in 9 months.
14-16%, I will pay it back in 12 months.
12-14%, I will pay it back in 18 months.
If the rate is less than 12, I will likely pay it back in greater than 2 years.

This is a great opportunity for you prosper lenders to get a great return, at low risk.? Any questions are welcome.

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: Laxman Let me know if you need a great CPA once you make it to the big time. My office is in Northbrook. - CPAecs
A: I appreciate the offer, will keep it in my mind. Thanks =) (Nov-02-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
impartial-deal$25.00$25.0010/29/2010 6:47:30 AM
wlm3012$25.00$25.0010/29/2010 10:31:16 AM
bughead$25.00$25.0010/29/2010 6:08:55 PM
lendstats_com$100.00$100.0010/30/2010 7:49:32 PM
FinanceEngine$30.00$30.0010/30/2010 6:26:20 PM
KirosPOS$100.00$4.1610/31/2010 10:12:43 PM
Chillito$71.57$71.5711/1/2010 11:55:08 PM
exchange-paladin$25.00$25.0011/2/2010 4:33:18 AM
gotbyu$50.00$50.0011/2/2010 6:47:28 AM
market-pudding$25.00$25.0011/2/2010 5:31:47 PM
booie$25.00$25.0011/3/2010 8:38:11 AM
EastBayCapital$25.00$25.0011/3/2010 8:47:37 AM
Astyanax$75.00$75.0011/3/2010 11:51:20 AM
profit-mountain237$200.00$200.0011/3/2010 1:56:18 PM
doopers$25.00$25.0011/3/2010 1:57:52 PM
honey-money$25.00$25.0011/3/2010 2:17:12 PM
profit-mountain237$150.00$150.0011/3/2010 1:54:44 PM
loanman2007$150.00$150.0010/28/2010 11:21:07 AM
Photoman42$25.00$25.0010/31/2010 12:09:31 PM
newest-phenomenal-money$25.00$25.0010/31/2010 9:46:39 AM
420limo$37.99$37.9911/2/2010 11:19:24 AM
Chesterite$25.00$25.0011/2/2010 2:02:24 PM
Earnest_Money$50.00$50.0011/2/2010 3:01:25 PM
s270$100.00$100.0011/2/2010 4:14:13 PM
hunterMG$25.00$25.0011/2/2010 7:17:50 PM
ralf206$25.00$25.0011/2/2010 11:00:03 PM
BlessedEveryDay$25.00$25.0011/3/2010 5:00:06 AM
principal-star$50.00$50.0011/3/2010 9:21:29 AM
bonus-sensai825$25.00$25.0011/3/2010 9:32:25 AM
Grandmahoneybee$35.00$35.0011/3/2010 10:00:18 AM
slxvq$50.00$50.0011/3/2010 11:48:53 AM
friendinmoney$47.74$47.7411/3/2010 1:07:27 PM
rate-negotiator$25.00$25.0011/3/2010 1:14:37 PM
jsnryn$25.00$25.0011/3/2010 10:47:08 AM
hookUup$50.00$50.0011/3/2010 2:00:15 PM
squarebob$25.00$25.0011/3/2010 12:47:04 PM
p2ploan-sensation211$50.00$50.0011/3/2010 1:20:38 PM
finance-burger$100.00$100.0011/3/2010 2:32:46 PM
the-charming-integrity$28.81$28.8111/3/2010 1:31:18 PM
clean-fund$44.73$44.7311/3/2010 2:34:23 PM
bannybucks$25.00$25.0011/3/2010 2:29:43 PM
RecoveryLender$25.00$25.0011/3/2010 2:30:14 PM
42 bids
 
Borrower Payment Dependent Notes Series 481800
This series of Notes was issued and sold upon the funding of the borrower loan #45392, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-28-2010 
  Auction end date:  Nov-04-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $308.20
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1994 Debt/Income ratio: 27%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:24y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,228Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: loyalty-mad-scientist Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
rental repairs/paying off debt
Purpose of loan:
This loan will be used to?pay off/down credit cards and repair rental

My financial situation: is because I share my home with two other owners=high/debt ratio. I need to fix up rental.
I am a good candidate for this loan because? when I repair rental I can increase rent (currently I get $800/mo) or sell which will help with the debt ratio and decrease credit card debt. I pay my bills.

Monthly net income: $ 4000

Monthly expenses: $ 3500
??Housing: $1900 including rental
??Insurance: $80 (car); house included in mort.
??Car expenses: $515
??Utilities: $195
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $313
??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$200.0010/28/2010 3:05:57 PM
suave-dime6$25.00$25.0010/28/2010 3:33:29 PM
bid-czar8$25.00$25.0010/28/2010 3:02:13 PM
radiant-loan5$200.00$200.0010/28/2010 3:30:20 PM
velocity-solo$25.00$25.0010/29/2010 9:45:13 AM
inspiring-reward$25.00$25.0010/29/2010 11:56:43 AM
FinDoc$30.00$30.0010/29/2010 3:21:22 PM
JustMee$25.00$25.0010/30/2010 8:35:24 AM
frogperson$250.00$250.0010/30/2010 11:52:41 AM
larrybird$30.39$30.3911/1/2010 4:22:57 PM
108lender$100.00$100.0011/1/2010 4:46:58 PM
Magog12$25.00$25.0011/1/2010 4:49:39 PM
flwah$25.00$25.0011/2/2010 7:48:55 AM
economy-producer$25.00$25.0011/2/2010 9:13:59 AM
money-bauble$25.00$25.0011/2/2010 12:55:16 PM
missing-link$100.00$100.0011/2/2010 2:17:18 PM
greenback-guard$25.00$25.0011/2/2010 1:22:41 PM
shmb6508$50.00$50.0011/2/2010 1:21:21 PM
sagan$25.00$25.0011/2/2010 3:00:34 PM
mindful-cash6$25.00$25.0011/2/2010 3:35:32 PM
skuba$25.00$25.0011/2/2010 3:38:13 PM
TakeCare$60.00$60.0011/2/2010 3:38:49 PM
musegaze$100.00$100.0011/2/2010 3:39:10 PM
asiaratt$50.00$50.0011/2/2010 3:33:00 PM
SolarMoonshine$25.00$25.0011/2/2010 5:48:10 PM
PatRichi$25.00$25.0011/3/2010 1:31:11 AM
paradisenow$25.00$25.0011/3/2010 4:04:09 AM
worthy-bid8$25.00$25.0011/3/2010 7:24:11 AM
scoobiedoo$50.00$50.0011/3/2010 9:40:45 AM
Aristocrat$25.00$25.0011/3/2010 3:00:18 PM
red-power-pecan$50.00$50.0011/3/2010 3:02:40 PM
dedicated-transaction796$50.00$50.0011/3/2010 3:04:25 PM
generous-deal6$25.00$25.0011/3/2010 3:00:56 PM
imoutdoorsy$25.00$25.0011/3/2010 3:02:21 PM
life-is-great$30.70$30.7011/3/2010 3:03:19 PM
chinolatino$25.00$25.0011/3/2010 3:03:58 PM
happy-return4$50.00$50.0011/3/2010 3:04:16 PM
smear87$25.00$25.0011/3/2010 3:01:22 PM
cropdust3r$25.00$25.0011/3/2010 3:04:26 PM
Investoman$25.00$25.0011/3/2010 3:04:53 PM
calinno2$50.00$50.0011/3/2010 3:04:05 PM
crenen139$25.00$25.0011/3/2010 3:05:45 PM
all_of_that_one$45.00$45.0011/3/2010 3:10:19 PM
ghinga$25.00$25.0011/3/2010 3:23:13 PM
onesunca$25.00$25.0011/3/2010 3:33:52 PM
Mighty_Hunter$75.00$75.0011/3/2010 4:21:30 PM
SpectrumFinance$25.00$25.0011/3/2010 4:23:04 PM
SpectrumCapital$29.20$29.2011/3/2010 4:23:12 PM
Mighty_Hunter$25.00$25.0011/3/2010 4:26:25 PM
honey-money$25.00$25.0011/3/2010 6:09:54 PM
mpatrick$25.00$25.0011/3/2010 6:18:13 PM
credit-guard5$25.00$25.0011/3/2010 7:59:27 PM
wwwUniversal$25.00$25.0011/3/2010 10:16:25 PM
Easystreet$25.00$25.0011/4/2010 1:06:04 AM
jakdwak$25.00$25.0011/4/2010 12:58:43 AM
umfan123$25.00$25.0011/4/2010 1:22:41 AM
mammalian4$25.00$25.0011/4/2010 1:50:14 AM
attractive-fund$60.91$60.9111/4/2010 7:14:16 AM
back-scratchers$25.00$25.0011/4/2010 4:26:05 AM
Leshan$33.33$33.3311/4/2010 8:59:40 AM
justice-officer$25.00$25.0011/4/2010 6:24:03 AM
contract-high-five$25.00$25.0011/4/2010 6:51:43 AM
Ast24$25.00$25.0011/4/2010 6:57:50 AM
principal-star$25.00$25.0011/4/2010 9:27:49 AM
economy-popcorn$25.00$25.0011/4/2010 8:12:59 AM
silvercertificate$25.00$25.0011/4/2010 8:09:46 AM
octoberfresh$25.00$25.0011/4/2010 8:35:12 AM
truenorth5$53.10$53.1011/4/2010 10:19:42 AM
WMY-Investor$150.00$150.0011/4/2010 10:17:37 AM
gothampark$25.00$25.0011/4/2010 10:22:42 AM
brightest-dignified-penny$25.00$25.0011/4/2010 10:26:40 AM
pythia$25.00$25.0011/4/2010 10:58:03 AM
Astyanax$75.00$75.0011/4/2010 11:34:38 AM
moola-monger9$50.00$50.0011/4/2010 11:41:58 AM
EretzCapital$45.00$45.0011/4/2010 11:46:46 AM
a-golden-deal$50.00$50.0011/4/2010 1:01:19 PM
loss-of-control$50.00$50.0011/4/2010 2:18:02 PM
valiant-liberty4$25.00$25.0010/28/2010 3:32:19 PM
top-courteous-peso$50.00$50.0010/28/2010 3:29:36 PM
parsec9$25.00$25.0010/29/2010 12:54:20 AM
Artist_Blue$25.00$25.0010/29/2010 9:33:27 AM
dynrep$25.00$25.0010/29/2010 2:34:06 PM
handshake5$48.23$48.2310/29/2010 11:32:58 AM
reflective-rupee$33.00$33.0010/29/2010 3:49:00 PM
graceful-investment$100.00$100.0010/30/2010 11:31:05 AM
tech310$25.00$25.0010/31/2010 9:44:15 PM
natural-greenback6$25.00$25.0010/31/2010 2:37:47 PM
worthy-bid4$100.00$100.0011/1/2010 9:28:54 AM
platinum-celebration4$25.00$25.0011/1/2010 9:39:51 AM
nickel-hickory$50.00$50.0011/1/2010 4:29:23 PM
paradisenow$25.00$25.0011/1/2010 5:15:03 PM
foothillender$25.00$25.0011/2/2010 7:31:54 AM
kulender$50.00$50.0011/2/2010 6:20:16 AM
reflective-rupee$444.00$444.0011/2/2010 11:41:07 AM
NoCal$30.00$30.0011/2/2010 12:31:22 PM
IIP77$25.00$25.0011/2/2010 2:59:33 PM
Comoparklender$50.00$50.0011/2/2010 3:26:47 PM
tearingstar$35.00$35.0011/2/2010 3:33:39 PM
GElender$50.00$50.0011/2/2010 3:32:46 PM
resplendent-dollar$25.00$25.0011/2/2010 3:40:36 PM
best-coin-miser$25.00$25.0011/2/2010 4:31:12 PM
well-mannered-income3$60.00$60.0011/2/2010 8:15:50 PM
oath163$25.00$25.0011/2/2010 6:29:45 PM
mercuriant$25.00$25.0011/2/2010 9:15:18 PM
teller$43.56$43.5611/2/2010 9:10:48 PM
lendstats_com$200.00$200.0011/3/2010 6:01:03 AM
maschinenbau$25.00$25.0011/3/2010 6:03:55 AM
Bob450$25.00$25.0011/3/2010 7:37:04 AM
profit-powerplant$50.00$50.0011/3/2010 9:44:26 AM
dime-historian$25.00$25.0011/3/2010 1:37:16 PM
anton$50.00$50.0011/3/2010 2:23:46 PM
Thylow$100.00$100.0011/3/2010 1:21:26 PM
shrewd-peace7$50.00$50.0011/3/2010 2:59:32 PM
treasure-bliss$50.00$50.0011/3/2010 3:02:53 PM
new-social-economist$30.70$30.7011/3/2010 3:03:17 PM
credible-balance0$25.00$25.0011/3/2010 3:04:10 PM
logical-investment4$25.00$25.0011/3/2010 3:00:33 PM
Maetryx$50.00$50.0011/3/2010 3:02:13 PM
jigsaw$50.00$50.0011/3/2010 3:00:52 PM
social-conductor4$25.00$25.0011/3/2010 3:04:09 PM
logical-loyalty0$25.00$25.0011/3/2010 3:01:01 PM
the-platinum-dragon$50.00$50.0011/3/2010 3:04:17 PM
credit-sycamore4$50.00$50.0011/3/2010 3:01:36 PM
orange-dollar-guild$25.00$25.0011/3/2010 3:04:28 PM
momoney2lend$25.00$25.0011/3/2010 3:02:05 PM
escharfer$25.00$25.0011/3/2010 3:05:10 PM
orange-preeminant-bill$50.00$50.0011/3/2010 3:02:50 PM
Miklot$75.00$75.0011/3/2010 3:05:44 PM
payment-gusto$25.00$25.0011/3/2010 3:03:55 PM
FeedTheMachine$50.00$50.0011/3/2010 3:06:31 PM
Wellman$50.00$50.0011/3/2010 3:04:34 PM
MadHun$100.00$100.0011/3/2010 3:10:24 PM
point$50.00$50.0011/3/2010 3:06:15 PM
j245213$25.00$25.0011/3/2010 3:32:11 PM
robust-trade$50.00$19.4011/3/2010 3:33:59 PM
texrob20$25.00$25.0011/3/2010 3:32:31 PM
LARRY4NY$25.00$25.0011/3/2010 5:23:42 PM
wlm3012$25.00$25.0011/3/2010 5:38:45 PM
EngineersAlliance$25.00$25.0011/3/2010 4:23:30 PM
gjm6d$25.00$25.0011/3/2010 4:34:11 PM
nashibaksi$25.00$25.0011/3/2010 6:56:59 PM
vest_vortex$50.00$50.0011/3/2010 5:26:40 PM
chato2345$30.00$30.0011/3/2010 7:11:57 PM
Reliance_Banker$25.00$25.0011/3/2010 7:47:31 PM
geophreigh$25.00$25.0011/4/2010 5:09:40 AM
loan-fate$36.51$36.5111/4/2010 1:50:08 AM
wonder3$25.00$25.0011/4/2010 6:29:30 AM
Smallbear$25.00$25.0011/4/2010 6:31:04 AM
csa_101824$25.00$25.0011/4/2010 4:13:00 AM
calbertrand$25.00$25.0011/4/2010 5:57:18 AM
DasMula$25.00$25.0011/4/2010 8:25:37 AM
eloquent-bill6$25.00$25.0011/4/2010 9:59:49 AM
first-liberty-duckling$50.00$50.0011/4/2010 10:04:55 AM
zztopdog$25.00$25.0011/4/2010 10:07:52 AM
UBOtto186$50.00$50.0011/4/2010 9:34:36 AM
JiggaJoeyS$32.37$32.3711/4/2010 9:39:10 AM
sknabnoj$34.60$34.6011/4/2010 10:24:55 AM
wkeboarder21$50.00$50.0011/4/2010 11:42:45 AM
DMKAssetManagement$50.00$50.0011/4/2010 12:10:48 PM
dinero-launcher$25.00$25.0011/4/2010 11:52:40 AM
sdcc72$25.00$25.0011/4/2010 12:26:22 PM
market-pudding$25.00$25.0011/4/2010 12:32:47 PM
bill-expert$75.00$75.0011/4/2010 12:37:05 PM
grampy48$25.00$25.0011/4/2010 12:57:23 PM
vulgy$25.00$25.0011/4/2010 12:16:24 PM
testguy$25.00$25.0011/4/2010 1:49:46 PM
credit-maverick1$50.00$50.0011/4/2010 1:16:42 PM
leverage-monger$25.00$25.0011/4/2010 1:28:00 PM
p2ploan-sensation211$25.00$25.0011/4/2010 2:08:06 PM
Rogelio48$30.00$30.0011/4/2010 1:39:55 PM
heerzaquestion$25.00$25.0011/4/2010 2:05:25 PM
loss-of-control$50.00$50.0011/4/2010 2:18:24 PM
loan-mammal$25.00$25.0011/4/2010 2:22:27 PM
173 bids
 
Borrower Payment Dependent Notes Series 481964
This series of Notes was issued and sold upon the funding of the borrower loan #45423, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Oct-28-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $163.58
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $163.58
 
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: Oct-1999 Debt/Income ratio: 18%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,376Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: Red2000bc Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit
Purpose of loan:
This loan will be used to pay off loans, and it will also be used for a security blanket for myself.?

My financial situation: is very stable
I am a good candidate for this loan because I am using this to cut down my debt to income ratio, and I am a student recieving the post 9/11 gi bill so I have a steady source of income
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)
mjunlimited$50.00$50.0010/28/2010 3:30:14 PM
RandyL3$25.00$25.0010/28/2010 3:35:01 PM
greenventures$25.00$25.0010/28/2010 3:17:57 PM
organized-payment6$50.00$50.0010/28/2010 3:25:18 PM
jazzlender$50.00$50.0010/28/2010 3:25:34 PM
ray1051$75.00$75.0010/28/2010 3:26:00 PM
Weaverville$50.00$50.0010/28/2010 3:21:31 PM
socal-lender$25.00$25.0010/28/2010 3:27:07 PM
arenangelchild$100.00$100.0010/28/2010 3:27:36 PM
turbospeed$25.00$25.0010/28/2010 3:23:55 PM
natural-affluence4$25.00$25.0010/28/2010 3:30:52 PM
BxRealtor$25.00$25.0010/28/2010 3:31:30 PM
nickel-ferret$50.00$50.0010/28/2010 3:34:40 PM
teller$50.00$50.0010/28/2010 3:30:05 PM
loyalty-sherpa$50.00$50.0010/28/2010 3:35:47 PM
valiant-liberty4$25.00$25.0010/28/2010 3:35:50 PM
doncm$50.00$50.0010/28/2010 3:36:00 PM
rescue$100.00$100.0010/28/2010 3:32:15 PM
point-kitten6$50.00$50.0010/28/2010 10:17:09 PM
tolerant-dinero2$25.00$25.0010/28/2010 3:32:50 PM
jdwillcox$100.00$100.0010/28/2010 3:33:14 PM
magnificent-reward9$30.00$30.0010/28/2010 4:14:05 PM
uncleubb$25.00$25.0010/28/2010 11:49:01 PM
Panna$25.00$25.0010/29/2010 1:59:24 AM
SCD$25.00$25.0010/29/2010 3:31:45 AM
csarradio$25.00$25.0010/29/2010 5:03:32 AM
studious-bonus7$62.16$62.1610/28/2010 10:17:11 PM
impartial-deal$25.00$25.0010/29/2010 6:49:51 AM
mizon291$50.00$50.0010/28/2010 9:59:15 PM
miket71$26.27$26.2710/29/2010 1:59:27 AM
ujiba$28.39$28.3910/29/2010 1:42:27 AM
mla$25.00$25.0010/29/2010 1:44:07 AM
lloyd_s$25.00$25.0010/29/2010 2:03:27 AM
zone6$50.00$50.0010/29/2010 2:26:19 AM
Artist_Blue$25.00$25.0010/29/2010 6:03:08 AM
QuinMccoy$50.00$50.0010/29/2010 6:52:33 AM
helpinghand63$50.00$50.0010/29/2010 9:54:47 AM
blue-useful-auction$25.00$25.0010/29/2010 9:58:51 AM
DJReflections$25.00$25.0010/29/2010 8:36:56 AM
coin-investor$25.00$25.0010/29/2010 8:48:43 AM
mommyhelper$50.00$50.0010/29/2010 10:48:30 AM
gjh37$42.75$42.7510/29/2010 10:19:23 AM
tntmojave$25.00$25.0010/29/2010 11:26:34 AM
rekitten$100.00$100.0010/29/2010 6:11:39 PM
successful-agreement7$100.00$100.0010/29/2010 3:11:17 PM
money-bauble$25.00$25.0010/30/2010 7:38:03 AM
ingeborg77$50.00$50.0010/30/2010 9:30:00 AM
irisheyes9$50.74$50.7410/30/2010 6:45:03 AM
elvisloans$25.00$25.0010/30/2010 6:45:26 AM
riproaringrapids$25.00$25.0010/30/2010 7:00:07 AM
simplelender80$100.00$100.0010/30/2010 7:47:28 AM
inspiring-reward$75.00$75.0010/30/2010 7:23:07 PM
flopcat$25.00$25.0010/30/2010 2:08:07 PM
generous-deal6$50.00$50.0010/30/2010 5:25:23 PM
satisfying-durability$25.00$25.0010/31/2010 12:07:08 PM
wwwUniversal$25.00$25.0010/31/2010 12:29:57 AM
JGuide$26.02$26.0210/31/2010 12:59:40 PM
AuroraRobbin$50.00$50.0011/1/2010 7:16:36 AM
loanman2007$100.00$100.0011/1/2010 4:42:18 AM
GCInvestments$25.00$25.0010/28/2010 3:31:55 PM
radforj22$25.00$25.0010/28/2010 3:32:03 PM
ogmanny$50.00$50.0010/28/2010 3:34:09 PM
best-deal-banker$25.00$25.0010/28/2010 3:46:58 PM
newest-bountiful-basis$25.00$25.0010/28/2010 3:26:26 PM
GElender$50.00$50.0010/28/2010 3:25:02 PM
williemc44$50.00$50.0010/28/2010 3:25:05 PM
selector568$500.00$500.0010/28/2010 3:25:12 PM
skuba$25.00$25.0010/28/2010 3:31:22 PM
worldly-community3$50.00$50.0010/28/2010 6:30:52 PM
enthralling-deal180$50.00$50.0010/28/2010 3:33:17 PM
brazilofmux$100.00$100.0010/28/2010 3:34:26 PM
bold-durability-drum$50.00$50.0010/28/2010 3:30:35 PM
narblark$50.00$50.0010/28/2010 3:35:58 PM
handshake5$100.00$100.0010/28/2010 3:31:40 PM
subtle-revenue0$25.00$25.0010/28/2010 3:33:22 PM
shabufa$50.00$50.0010/28/2010 3:35:27 PM
silver-dogwood4$25.00$25.0010/28/2010 7:42:15 PM
Edwin_Rae$25.00$25.0010/29/2010 6:18:06 AM
Banker7371$25.00$25.0010/28/2010 11:49:21 PM
velocity-solo$25.00$25.0010/29/2010 9:43:10 AM
the-profit-oracle$25.00$25.0010/29/2010 2:04:18 AM
Jager31$25.00$25.0010/29/2010 7:29:57 AM
jga516$25.00$25.0010/29/2010 9:51:58 AM
ccdmp2004$25.00$25.0010/29/2010 2:16:29 PM
silver-baby$25.00$25.0010/29/2010 5:39:49 PM
bentheretoo$50.00$50.0010/30/2010 5:34:00 AM
Hogpilot$25.00$25.0010/30/2010 5:43:04 AM
MM1207$25.00$25.0010/30/2010 8:10:31 AM
efficient-treasure0$25.00$25.0010/30/2010 5:41:05 AM
Napoli_Lending$75.00$75.0010/30/2010 8:56:54 AM
ingeborg77$50.00$50.0010/30/2010 9:29:37 AM
ingeborg77$61.00$61.0010/30/2010 9:30:28 AM
laufer32304$50.00$50.0010/30/2010 10:06:25 AM
graceful-investment$100.00$100.0010/30/2010 11:31:36 AM
rjleves$50.00$50.0010/30/2010 2:23:35 PM
justalender$25.00$25.0010/30/2010 11:21:58 AM
ttnk62918$25.00$25.0010/30/2010 9:38:01 PM
wealth-cheetah7$67.09$67.0910/30/2010 2:44:09 PM
euro-flower$50.00$25.5810/31/2010 12:21:17 AM
doc1$100.00$100.0010/31/2010 4:44:41 PM
LenderCB$25.00$25.0010/31/2010 10:56:50 PM
IMPULSE82$30.00$30.0010/31/2010 6:30:13 PM
wealth-equilibrium0$100.00$100.0011/1/2010 8:59:08 AM
103 bids
 
Borrower Payment Dependent Notes Series 482124
This series of Notes was issued and sold upon the funding of the borrower loan #45447, 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-01-2010 
  Auction end date:  Nov-07-2010 
 
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): 5 First credit line: Jun-2000 Debt/Income ratio: 24%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:17y 6m
Amount delinquent: $0 Total credit lines: 12 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,592Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: the-likeable-point Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off a debt
Purpose of loan:
This loan will be used to? to catch myself up from the current debt situation.

My financial situation:
I am a good candidate for this loan because? i can pay this loan off on a regular base i have a job that will not go away for years.

Monthly net income: $ 5200

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $?500
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MilitaryLending$50.00$50.0011/1/2010 3:07:19 PM
Ubiquinone$25.00$25.0011/2/2010 5:17:13 AM
reflective-rupee$44.00$44.0011/2/2010 1:34:03 PM
vine99$40.00$40.0011/3/2010 8:37:15 PM
checzwick$25.00$25.0011/4/2010 8:40:43 AM
well-mannered-income3$30.00$30.0011/4/2010 7:27:14 PM
GCSS$25.00$25.0011/4/2010 10:05:30 PM
scarlet-velvet$25.00$25.0011/5/2010 8:17:32 PM
Kyileo$25.00$25.0011/6/2010 9:58:25 AM
power-secret-agent$25.00$25.0011/6/2010 10:58:53 AM
Thylow$100.00$100.0011/6/2010 3:21:07 PM
principal-jedi$100.00$100.0011/6/2010 3:31:38 PM
glroark$50.00$50.0011/6/2010 3:40:23 PM
nodebt2012$25.00$25.0011/6/2010 9:52:40 PM
realtormoises$25.00$25.0011/6/2010 3:11:42 PM
RebuildingAmerica$25.00$25.0011/7/2010 10:18:32 AM
Free-the-usa-1776$25.00$25.0011/7/2010 11:04:49 AM
awesome-silver$100.00$100.0011/7/2010 2:07:25 PM
loss-of-control$50.00$50.0011/7/2010 2:26:21 PM
velocity-solo$25.00$25.0011/1/2010 3:31:51 PM
valiant-liberty4$25.00$25.0011/1/2010 3:30:34 PM
inspiring-reward$150.00$150.0011/1/2010 3:35:46 PM
Artist_Blue$25.00$25.0011/1/2010 3:40:19 PM
agiovasil$25.00$25.0011/1/2010 4:32:21 PM
helping-out$25.00$3.6711/1/2010 7:21:12 PM
pine643$25.00$25.0011/4/2010 5:25:47 PM
DenimCapital$100.00$100.0011/4/2010 8:24:28 PM
reflective-rupee$44.00$44.0011/5/2010 10:52:33 AM
Sudoku$50.00$50.0011/6/2010 7:58:25 AM
Leshan$33.33$33.3311/6/2010 4:47:11 PM
Kash2010lu$50.00$50.0011/6/2010 3:06:31 PM
loss-of-control$50.00$50.0011/6/2010 5:34:15 PM
droopie1$25.00$25.0011/6/2010 7:49:35 PM
platinum-cargo$25.00$25.0011/7/2010 10:15:24 AM
proper-revenue7$30.00$30.0011/7/2010 3:38:59 PM
35 bids
 
Borrower Payment Dependent Notes Series 482644
This series of Notes was issued and sold upon the funding of the borrower loan #45429, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Nov-12-2010 
  Auction end date:  Nov-16-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $163.58
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $163.58
 
Auction yield range: 3.57% - 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: Sep-2000 Debt/Income ratio: 14%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,053Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: thoughtful-worth6 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Moving expenses
Purpose of loan:
This loan will be used to fund moving expenses and any other incidentals.

My financial situation:
I am a good candidate for this loan because I have never made a late payment on my mortgage, car loan, or any credit card in the ten years that I have established my credit. I just paid off my car loan this month and at this point only have two?credit cards. One of these is a major credit card (MasterCard).?I typically pay off 80 - 100% of the balance on the card each month. The other is a store credit card on which I do not maintain a balance that is ever carried over from month to month.
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: Will you be gainfully employed when you move? What it your monthly NET income and a detailed account of your monthly expense? What is the size of the family you are supporting? Thks.. - jpblan11
A: Yes I have accepted an offer making almost the same amount as I'm making now (current salary is 64,400 and new salary is 60,000). I don't know what my net income will be yet as I haven't determined deductions, etc. My monthly expenses will actually decrease as I have a tenant who will be leasing my condo and the rent is more than my mortgage. I am renting where I'm moving, and my rent will be less than my mortgage was. I have no dependents other than myself. (Nov-15-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
williemc44$50.00$50.0011/12/2010 2:50:24 PM
enthralling-deal180$50.00$50.0011/12/2010 2:54:59 PM
riproaringrapids$25.00$25.0011/12/2010 2:53:20 PM
hitsman$100.00$100.0011/12/2010 2:57:04 PM
bowdish1$50.00$50.0011/12/2010 2:57:40 PM
myworld701$25.00$25.0011/12/2010 2:56:33 PM
mondial4$100.00$100.0011/12/2010 2:59:18 PM
dunox$25.00$25.0011/12/2010 2:59:52 PM
melodious-fairness$50.00$50.0011/12/2010 2:58:23 PM
icchok$50.00$50.0011/12/2010 3:02:33 PM
yield-enlistment$25.00$25.0011/12/2010 2:58:59 PM
finance-mushroom$100.00$100.0011/12/2010 3:00:17 PM
jdwillcox$100.00$100.0011/12/2010 3:04:26 PM
nickel-ferret$50.00$50.0011/12/2010 3:04:46 PM
ichibon$150.00$150.0011/12/2010 3:02:48 PM
bold-durability-drum$50.00$50.0011/12/2010 3:03:32 PM
skuba$25.00$25.0011/12/2010 3:04:05 PM
tech310$50.00$50.0011/12/2010 3:05:42 PM
Havana21$100.00$100.0011/12/2010 3:05:26 PM
indomitable-coin$50.00$50.0011/12/2010 3:06:01 PM
BxRealtor$25.00$25.0011/12/2010 3:07:06 PM
Brown98$50.00$50.0011/12/2010 3:20:45 PM
turbospeed$25.00$25.0011/12/2010 3:16:28 PM
Streamfeeder$25.00$25.0011/12/2010 3:21:19 PM
Hartfelt$30.00$30.0011/12/2010 7:02:10 PM
socal-lender$25.00$25.0011/12/2010 5:06:05 PM
serene-capital$25.00$25.0011/13/2010 12:41:35 AM
SAG$26.85$26.8511/13/2010 5:56:04 AM
shellstar$25.00$25.0011/13/2010 4:25:43 AM
payment-halo$25.00$25.0011/13/2010 8:30:54 AM
blue-useful-auction$25.00$25.0011/13/2010 9:17:12 AM
tolerant-dinero2$25.00$25.0011/13/2010 10:06:03 AM
bearclan$25.00$25.0011/13/2010 9:35:35 AM
beachfunder$25.00$25.0011/13/2010 7:03:42 PM
RandyL3$25.00$25.0011/13/2010 3:29:40 PM
bfn311$25.00$25.0011/14/2010 5:20:20 AM
graceful-compassion426$75.00$75.0011/14/2010 5:24:06 AM
authoritative-loot$25.00$25.0011/13/2010 11:49:52 PM
gogrannygo$25.00$25.0011/14/2010 6:36:15 AM
Nasdaq$25.00$25.0011/14/2010 8:55:58 AM
OoM$25.00$25.0011/14/2010 10:06:25 PM
silver-dogwood4$25.00$25.0011/15/2010 6:39:15 AM
revenue-sapling$25.00$25.0011/15/2010 7:59:14 AM
orbital-return316$25.00$25.0011/15/2010 11:24:49 AM
TJgt$50.00$50.0011/15/2010 1:48:29 PM
wild_carrot$25.00$25.0011/15/2010 3:03:48 PM
thoughtful-community7$25.00$25.0011/15/2010 4:02:15 PM
credit-panda1$30.00$30.0011/15/2010 4:35:33 PM
MonkeyHero$25.10$25.1011/15/2010 8:49:07 PM
cash-tent$50.00$50.0011/15/2010 10:50:18 PM
eclicknsave$25.00$25.0011/15/2010 11:33:18 PM
availableloan$25.00$25.0011/16/2010 5:51:22 AM
simplelender80$250.00$250.0011/12/2010 2:54:24 PM
GElender$50.00$50.0011/12/2010 2:51:36 PM
investment-comet$25.00$25.0011/12/2010 2:55:42 PM
organized-payment6$50.00$50.0011/12/2010 2:56:19 PM
ray1051$75.00$75.0011/12/2010 2:56:27 PM
mjunlimited$50.00$50.0011/12/2010 2:59:30 PM
money-bauble$100.00$100.0011/12/2010 2:56:40 PM
radforj22$25.00$25.0011/12/2010 2:58:14 PM
objective-investor$150.00$150.0011/12/2010 2:58:44 PM
natural-affluence4$25.00$25.0011/12/2010 3:03:47 PM
inspired-investment8$50.00$50.0011/12/2010 3:03:07 PM
rekitten$100.00$100.0011/12/2010 3:04:59 PM
kmr2$200.00$34.1311/12/2010 3:06:22 PM
Bio-physicist$25.00$25.0011/12/2010 3:12:07 PM
QsDad$25.00$25.0011/12/2010 3:15:09 PM
penny-plato$25.00$25.0011/12/2010 4:24:29 PM
UncleSafety$36.92$36.9211/12/2010 5:37:51 PM
jmvingeorgia$250.00$250.0011/13/2010 9:42:05 AM
wwwUniversal$25.00$25.0011/13/2010 9:44:09 AM
penny-finder$35.00$35.0011/13/2010 11:42:01 AM
dynrep$25.00$25.0011/13/2010 10:34:08 AM
rpg$75.00$75.0011/13/2010 11:16:30 AM
tutnyce$150.00$150.0011/13/2010 3:13:21 PM
cwegert$25.00$25.0011/13/2010 9:11:45 PM
1SteelerFan$30.00$30.0011/13/2010 11:26:24 PM
crdcteng$50.00$50.0011/14/2010 8:21:12 AM
Barky52$25.00$25.0011/14/2010 6:52:10 AM
sctmac12$25.00$25.0011/14/2010 8:59:13 AM
JohnSmith10$25.00$25.0011/14/2010 5:57:43 PM
ingenious-order783$50.00$50.0011/15/2010 6:36:00 AM
DRJWAW$25.00$25.0011/15/2010 7:05:39 AM
grasscutter$100.00$100.0011/15/2010 7:12:53 AM
outofoffice$25.00$25.0011/15/2010 8:03:36 AM
pjnala1$25.00$25.0011/15/2010 6:01:31 AM
lawboy74$25.00$25.0011/15/2010 12:12:49 PM
bxdoc$50.00$50.0011/15/2010 3:18:00 PM
FundMaker$25.00$25.0011/15/2010 3:25:41 PM
classiccitizen$27.00$27.0011/15/2010 4:11:26 PM
Bieling$25.00$25.0011/15/2010 6:05:24 PM
selector568$500.00$500.0011/15/2010 4:33:21 PM
PPLIN810$25.00$25.0011/15/2010 6:23:30 PM
exchange-dreams$25.00$25.0011/15/2010 8:18:28 PM
serene-capital$25.00$25.0011/16/2010 12:31:41 AM
jpblan11$25.00$25.0011/16/2010 6:32:17 AM
12Knocksinna$25.00$25.0011/16/2010 8:44:03 AM
97 bids
 
Borrower Payment Dependent Notes Series 482702
This series of Notes was issued and sold upon the funding of the borrower loan #45391, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70% Auction start date:  Nov-03-2010 
  Auction end date:  Nov-10-2010 
 
Starting lender yield: 22.40% Starting borrower rate/APR: 23.40% / 26.86% Starting monthly payment: $194.59
Final lender yield: 22.40% Final borrower rate/APR: 23.40% / 26.86% Final monthly payment: $194.59
 
Auction yield range: 7.71% - 22.40% Estimated loss impact: 9.23%  
Lender servicing fee: 1.00% Estimated return: 13.17%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1994 Debt/Income ratio: 61%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:17y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,740Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: justice-grasshopper9 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 medical bills
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: $ including some very expensive medical bills that caused me to be unemployed for over a year.
??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: Have your medical issues been fully and permanently resolved? Thanks and best wishes. - reflective-rupee
A: Not at this time (Nov-04-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
GElender$50.00$50.0011/3/2010 2:31:22 PM
bold-durability-drum$50.00$50.0011/3/2010 2:37:13 PM
GCInvestments$25.00$25.0011/3/2010 2:38:22 PM
loyalty-sherpa$50.00$50.0011/3/2010 2:38:55 PM
velocity-solo$25.00$25.0011/3/2010 2:41:44 PM
jdwillcox$100.00$100.0011/3/2010 2:38:29 PM
bentheretoo$75.00$75.0011/3/2010 2:43:19 PM
narblark$50.00$50.0011/3/2010 2:39:01 PM
lendingfrog$25.00$25.0011/3/2010 2:42:08 PM
Artist_Blue$25.00$25.0011/3/2010 2:40:50 PM
flwah$25.00$25.0011/3/2010 3:02:01 PM
greenback-guard$25.00$25.0011/3/2010 2:43:45 PM
Fingar$50.00$50.0011/3/2010 3:32:16 PM
dospapalotes$50.00$50.0011/3/2010 3:32:19 PM
ramblin$50.00$50.0011/3/2010 3:32:46 PM
hannibal720$25.00$25.0011/3/2010 3:33:13 PM
Bailador$25.00$25.0011/3/2010 3:33:17 PM
notyourdaddy$25.00$25.0011/3/2010 3:33:23 PM
helpinghand63$50.00$50.0011/3/2010 3:34:44 PM
HoyaHeel$25.00$25.0011/3/2010 3:34:58 PM
unforgettable-order9$50.00$50.0011/3/2010 3:33:10 PM
DMCA$25.00$25.0011/3/2010 3:32:22 PM
dgallo$25.00$25.0011/3/2010 3:41:32 PM
walabie$25.00$25.0011/3/2010 3:34:42 PM
jammers$50.00$50.0011/3/2010 3:33:47 PM
jdrez$25.00$25.0011/3/2010 3:35:09 PM
SummaCapital$100.00$100.0011/3/2010 3:36:04 PM
janus_god$25.00$25.0011/3/2010 3:41:02 PM
mla$25.00$25.0011/3/2010 3:44:24 PM
jga516$25.00$25.0011/3/2010 3:43:12 PM
thrifty-peso$25.00$25.0011/3/2010 3:55:32 PM
miket71$51.66$51.6611/3/2010 3:49:28 PM
ccdmp2004$25.00$25.0011/3/2010 3:54:17 PM
tenacious-compassion9$25.00$25.0011/3/2010 3:54:31 PM
OrcaFIN$25.00$25.0011/3/2010 3:54:28 PM
inspiring-reward$44.33$19.0311/3/2010 4:32:23 PM
JustMee$25.00$25.0011/3/2010 6:55:28 PM
greencat$50.00$50.0011/4/2010 8:33:39 AM
FLSmooth$50.00$50.0011/4/2010 1:40:50 PM
DJReflections$25.00$25.0011/5/2010 1:29:21 AM
honey-money$25.00$25.0011/5/2010 11:53:15 AM
greenback-guard$25.00$25.0011/7/2010 1:20:10 PM
hope-hickory$25.00$25.0011/7/2010 3:35:45 PM
greenback-guard$25.00$25.0011/7/2010 1:20:07 PM
Sol_Invictus$25.00$25.0011/7/2010 4:05:07 PM
JTHarris$25.00$25.0011/8/2010 7:52:22 AM
compassion-burrito$25.00$25.0011/8/2010 8:40:29 AM
Ven58$25.00$25.0011/9/2010 2:30:50 AM
sc-pjb11$25.00$25.0011/9/2010 3:53:02 AM
the-durability-planetarium$90.05$90.0511/9/2010 5:51:46 AM
wkeboarder21$100.00$100.0011/9/2010 4:05:54 AM
Mindful7$25.00$25.0011/9/2010 11:13:33 AM
gilbrear$25.00$25.0011/9/2010 3:30:54 PM
carlos_chantana$25.00$25.0011/9/2010 9:38:37 PM
noconnor01$25.00$25.0011/9/2010 7:40:37 PM
bluflame9940$25.00$25.0011/10/2010 7:18:37 AM
broker558$25.00$25.0011/10/2010 9:18:01 AM
aprivatelender$38.56$38.5611/10/2010 1:29:54 PM
bitano$50.00$50.0011/10/2010 10:50:53 AM
riproaringrapids$25.00$25.0011/3/2010 2:32:49 PM
top-courteous-peso$50.00$50.0011/3/2010 2:32:58 PM
Weaverville$50.00$50.0011/3/2010 2:33:17 PM
ichibon$150.00$150.0011/3/2010 2:34:30 PM
williemc44$50.00$50.0011/3/2010 2:32:24 PM
MM1207$25.00$25.0011/3/2010 2:40:08 PM
icchok$50.00$50.0011/3/2010 2:34:05 PM
350DGRZ$25.00$25.0011/3/2010 2:34:11 PM
balanced-bill7$50.00$50.0011/3/2010 2:34:15 PM
inspired-investment8$50.00$50.0011/3/2010 2:34:46 PM
natural-affluence4$25.00$25.0011/3/2010 2:37:20 PM
skuba$25.00$25.0011/3/2010 2:38:06 PM
missing-link$50.00$50.0011/3/2010 2:43:05 PM
nickel-ferret$50.00$50.0011/3/2010 2:38:47 PM
investment-comet$25.00$25.0011/3/2010 2:43:37 PM
handshake5$100.00$100.0011/3/2010 2:38:14 PM
enthralling-deal180$50.00$50.0011/3/2010 2:38:33 PM
simplelender80$100.00$100.0011/3/2010 2:40:03 PM
tech310$50.00$50.0011/3/2010 2:40:32 PM
Interstate_Rate$50.00$50.0011/3/2010 2:40:40 PM
indomitable-coin$50.00$50.0011/3/2010 2:40:46 PM
larrybird$150.00$150.0011/3/2010 2:42:16 PM
agiovasil$25.00$25.0011/3/2010 2:42:29 PM
jed919$25.00$25.0011/3/2010 3:32:24 PM
angelinvestor01$50.00$50.0011/3/2010 3:33:15 PM
sailorgm$50.00$50.0011/3/2010 3:33:27 PM
nprfan5$50.00$50.0011/3/2010 3:33:34 PM
propertytransformer$30.00$30.0011/3/2010 3:36:02 PM
reflective-rupee$44.00$44.0011/3/2010 3:27:50 PM
Anny-Disco$50.00$50.0011/3/2010 3:33:21 PM
SNL_Svs$25.00$25.0011/3/2010 3:33:31 PM
vb3jmg$25.00$25.0011/3/2010 3:32:29 PM
pleasant-basis$25.00$25.0011/3/2010 3:33:30 PM
junes08$25.00$25.0011/3/2010 3:34:53 PM
vegibenz$25.00$25.0011/3/2010 3:38:49 PM
Panna$25.00$25.0011/3/2010 3:55:01 PM
flopcat$25.00$25.0011/3/2010 3:47:00 PM
museic1$25.00$25.0011/3/2010 3:56:53 PM
worth-arch$25.00$25.0011/3/2010 3:49:32 PM
rapid-credit428$25.00$25.0011/3/2010 3:54:37 PM
exchange-battalion$30.00$30.0011/3/2010 3:54:14 PM
mizon291$50.00$50.0011/3/2010 3:54:24 PM
danthemon35$25.00$25.0011/3/2010 4:05:37 PM
BxRealtor$25.00$25.0011/3/2010 4:01:10 PM
Bank_Of_XL$100.00$100.0011/3/2010 8:08:53 PM
Josphine$30.00$30.0011/4/2010 4:56:56 AM
loyalty-czar$50.70$50.7011/4/2010 7:03:48 PM
veneziani$25.00$25.0011/5/2010 8:58:25 AM
3613925$25.00$25.0011/5/2010 10:30:58 AM
Myrick$25.00$25.0011/7/2010 4:32:24 PM
shrewd-income$25.00$25.0011/8/2010 12:58:16 PM
social-heart$51.00$51.0011/8/2010 1:20:55 PM
SFBank$200.00$200.0011/8/2010 6:13:38 PM
itsmaj$50.00$50.0011/8/2010 9:57:29 PM
bold-attentive-listing$25.00$25.0011/8/2010 9:48:09 PM
phchristensen$50.00$50.0011/9/2010 6:17:36 PM
Bob450$25.00$25.0011/9/2010 6:45:34 PM
goodhearted-basis4$25.00$25.0011/9/2010 8:22:01 PM
mpatrick$25.00$25.0011/9/2010 7:32:48 PM
d_grbg$25.00$25.0011/10/2010 1:26:30 AM
bitano$50.00$50.0011/10/2010 10:49:50 AM
icon7$40.00$40.0011/10/2010 12:00:14 PM
octoberfresh$25.00$25.0011/10/2010 12:35:06 PM
122 bids
 
Borrower Payment Dependent Notes Series 483004
This series of Notes was issued and sold upon the funding of the borrower loan #45389, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-05-2010 
  Auction end date:  Nov-12-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $519.25
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $519.25
 
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: Aug-1987 Debt/Income ratio: 58%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,471Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: well-mannered-dime1 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Seeking Debit Freedom
Purpose of loan:
This loan will be used to? reduce a current payment of 1720.00 which I?have made?monthly and timely over the last two years.? This will allow me to reduce this payment and futher allowing me additional monies for savings and iinvestments.? As I will be settling the obligation which I have along with the 1720.00 payment per month, reducing interest rates being accrued.
My financial situation:
I am a good candidate for this loan because? I have been with the same company for over 15 yrs, I am with a company which has stability, I have a good salary?and I have the abiltity to pay this loan off sooner than later if approved.? I also have the ability to rely upon my partner of 8 years who together we live as jointly in our?financial obligations allowing me reduced responsibilities in?monthly?responsibilities so that I can work on improving myself and?the financial obligations I have taken on.?

Monthly net income: $ 3018.0

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 126.92
??Car expenses: $ 520.00
??Utilities: $?0
??Phone, cable, internet: $ 168.00
??Food, entertainment: $?100.00
??Clothing, household expenses $?50.00
??Credit cards and other loans: $?1942.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Could you explain your need for the $15k and how long you are supposed to pay the $1470? Will this pay off the loan or just reduce the principal? - Johnab
A: The 1720 I am paying monthly will last until Feb 2013. This loan will allow me to get this amount paid in full along with a considerable lower monthly payment and reduced interest if @ the 14.99 over the next three years. What a relief it would be to have this burden removed and reduced. With the 15K I can make this happen in full. Thank you for inquiring. (Nov-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
riproaringrapids$25.00$25.0011/5/2010 3:19:14 PM
investment-comet$25.00$25.0011/5/2010 3:22:57 PM
rescue$100.00$100.0011/5/2010 3:32:15 PM
ichibon$150.00$150.0011/5/2010 3:28:59 PM
jdwillcox$100.00$100.0011/5/2010 3:29:56 PM
organized-payment6$25.00$25.0011/5/2010 3:30:03 PM
nickel-ferret$50.00$50.0011/5/2010 3:30:07 PM
tech310$50.00$50.0011/5/2010 3:30:57 PM
kmr2$200.00$200.0011/5/2010 3:31:59 PM
lloyd_s$25.00$25.0011/5/2010 3:36:21 PM
natural-affluence4$25.00$25.0011/5/2010 3:29:34 PM
enthralling-deal180$50.00$50.0011/5/2010 3:30:01 PM
vigorous-velocity$100.00$100.0011/5/2010 3:32:21 PM
objective-investor$150.00$150.0011/5/2010 3:32:31 PM
superb-funds335$25.00$25.0011/5/2010 3:35:37 PM
velocity-solo$25.00$25.0011/5/2010 3:41:24 PM
orgy63$50.00$50.0011/5/2010 4:25:15 PM
davez0r$25.00$25.0011/5/2010 3:47:47 PM
investor7257$25.00$25.0011/5/2010 4:03:21 PM
newslang$25.00$25.0011/5/2010 4:03:36 PM
skurfa$25.00$25.0011/5/2010 3:57:35 PM
HoyaHeel$25.00$25.0011/5/2010 6:49:45 PM
a-healthy-affluence$50.00$50.0011/5/2010 5:23:01 PM
Weaverville$50.00$50.0011/5/2010 6:50:54 PM
reflective-cash0$50.00$50.0011/5/2010 7:53:04 PM
minddoc$25.00$25.0011/6/2010 3:21:29 AM
HedgeFund$50.00$50.0011/6/2010 6:12:48 AM
asset-professor$50.00$50.0011/6/2010 12:01:21 AM
vegibenz$25.00$25.0011/6/2010 1:14:10 AM
lendme2$57.81$57.8111/6/2010 10:00:52 AM
commerce-web5$25.00$25.0011/6/2010 11:30:53 AM
ijspence$25.00$25.0011/6/2010 7:00:47 AM
jga516$25.00$25.0011/6/2010 12:31:31 PM
Gabriel02$25.00$25.0011/6/2010 7:51:07 AM
miket71$37.24$37.2411/6/2010 1:13:26 PM
ManhattanLender$25.00$25.0011/6/2010 11:30:20 AM
preciousjeni$50.00$50.0011/6/2010 9:20:50 AM
successful-agreement7$32.14$32.1411/6/2010 9:21:01 AM
museic1$25.00$25.0011/6/2010 12:35:55 PM
OrcaFIN$25.00$25.0011/6/2010 1:31:38 PM
tylerfd$25.00$25.0011/6/2010 10:00:46 AM
OSERENKUKU$25.00$25.0011/6/2010 1:32:04 PM
Philkent$50.00$50.0011/6/2010 10:17:35 AM
the-profit-oracle$25.00$25.0011/6/2010 1:47:43 PM
drkosh$25.00$25.0011/6/2010 1:17:25 PM
helpinghand63$32.54$32.5411/6/2010 11:52:38 AM
logical-reward8$25.00$25.0011/6/2010 2:39:49 PM
junes08$25.00$25.0011/6/2010 1:44:54 PM
demoseal$25.00$25.0011/6/2010 1:10:38 PM
tenacious-compassion9$25.00$25.0011/6/2010 1:12:50 PM
Panna$25.00$25.0011/6/2010 1:12:53 PM
LOWCOUNTRYLENDER$25.00$25.0011/6/2010 1:47:45 PM
lending-bear$27.37$27.3711/6/2010 2:40:46 PM
return-buddy$50.00$50.0011/7/2010 6:59:21 AM
narblark$50.00$50.0011/7/2010 1:22:31 PM
SastreMason$25.00$25.0011/7/2010 11:03:38 AM
new-thrilling-principal$25.00$25.0011/7/2010 11:19:41 AM
TrixieD$25.00$25.0011/7/2010 2:16:41 PM
danthemon35$25.00$25.0011/7/2010 1:11:45 PM
success1001$50.00$50.0011/7/2010 9:35:53 AM
progressive-velocity2$25.00$25.0011/7/2010 5:36:17 PM
a-finance-nirvana$25.00$25.0011/7/2010 6:57:48 PM
flwah$25.00$25.0011/7/2010 1:22:36 PM
heavensfx$25.00$25.0011/7/2010 7:13:52 PM
Digs$25.00$25.0011/7/2010 2:23:06 PM
best-deal-banker$25.00$25.0011/7/2010 7:16:44 PM
cello1$25.00$25.0011/7/2010 4:29:07 PM
ngmansfield$25.00$25.0011/7/2010 7:25:05 PM
leverage-holly$25.00$25.0011/7/2010 6:18:56 PM
awwaww$25.00$25.0011/7/2010 7:16:27 PM
radforj22$25.00$25.0011/8/2010 7:04:25 AM
Hartfelt$25.00$25.0011/8/2010 7:24:49 AM
orange-dollar-guild$25.00$25.0011/8/2010 7:55:56 AM
Fiimg$25.99$25.9911/8/2010 8:54:13 AM
nybanker85$47.67$47.6711/8/2010 6:48:00 AM
chlebie$37.90$37.9011/8/2010 8:56:24 AM
epic-transaction$50.00$50.0011/8/2010 8:37:24 AM
SkiFastBadly$50.00$50.0011/8/2010 10:06:55 AM
trustworthy-fairness$50.00$50.0011/8/2010 8:54:00 AM
honorable-yield$35.00$35.0011/8/2010 8:57:34 AM
radiant-return$25.00$25.0011/8/2010 9:13:33 AM
jazzlender$50.00$50.0011/8/2010 11:06:33 AM
iflyforfun$25.00$25.0011/8/2010 11:06:44 AM
generous-deal6$41.22$41.2211/8/2010 12:15:03 PM
108lender$73.58$73.5811/8/2010 10:56:48 AM
crenen139$25.00$25.0011/8/2010 11:17:07 AM
melodious-fairness$50.00$50.0011/8/2010 3:12:50 PM
upright-silver$25.00$25.0011/8/2010 4:38:29 PM
power-secret-agent$25.00$25.0011/8/2010 5:31:21 PM
Montgomery-Burns$25.00$25.0011/8/2010 6:29:43 PM
JustMee$25.00$25.0011/8/2010 9:38:47 PM
wkeboarder21$50.00$50.0011/9/2010 4:07:54 AM
mondial4$100.00$100.0011/9/2010 4:52:43 AM
yield-enlistment$25.00$25.0011/8/2010 9:48:28 PM
brazilofmux$25.00$25.0011/9/2010 5:07:21 AM
metro457$50.00$50.0011/9/2010 5:22:16 AM
finance-mushroom$100.00$100.0011/9/2010 9:43:53 AM
dunox$25.00$25.0011/9/2010 8:42:57 AM
japerk$25.00$25.0011/9/2010 2:02:37 PM
chinolatino$25.00$25.0011/9/2010 11:07:14 AM
alpinaut$25.00$25.0011/9/2010 11:09:00 AM
irrelevant$25.00$25.0011/9/2010 11:10:18 AM
studious-bonus7$100.00$100.0011/9/2010 11:10:53 AM
doncm$50.00$50.0011/9/2010 11:11:43 AM
rjleves$50.00$50.0011/9/2010 2:37:58 PM
pnace$35.00$35.0011/9/2010 4:03:29 PM
worldly-community3$50.00$50.0011/9/2010 5:50:42 PM
integrity-trumpet$50.00$50.0011/9/2010 5:08:13 PM
junctionking$25.00$25.0011/9/2010 5:20:21 PM
Goat$50.00$50.0011/9/2010 10:08:01 PM
Rick21$44.43$44.4311/9/2010 11:10:23 PM
rdking647$25.00$25.0011/9/2010 7:56:25 PM
gain-gourd$100.00$100.0011/9/2010 8:53:40 PM
RationalWorld$25.00$25.0011/10/2010 7:58:48 AM
rhodylend$25.00$25.0011/9/2010 10:50:21 PM
julijask$35.00$35.0011/10/2010 1:29:41 AM
brooklynjoe$25.00$25.0011/10/2010 11:08:26 AM
Pendruce$25.00$25.0011/10/2010 11:23:24 AM
reneenurse$50.00$50.0011/10/2010 8:40:22 AM
liberty-carnival$25.00$25.0011/10/2010 1:18:16 PM
Millmanator$50.00$50.0011/10/2010 1:28:20 PM
MrBluesummers$50.00$50.0011/10/2010 3:07:09 PM
golden-bid9$25.00$25.0011/10/2010 8:33:43 PM
agile-loan0$25.00$25.0011/10/2010 3:48:14 PM
alaco$25.00$25.0011/10/2010 8:09:43 PM
sappy02$40.00$40.0011/10/2010 8:33:22 PM
MrCoffee$49.86$49.8611/10/2010 9:05:23 PM
elevated-investment$25.00$25.0011/10/2010 11:21:21 PM
lokiswolf$27.00$27.0011/11/2010 2:49:04 AM
j2ee$25.00$25.0011/11/2010 8:55:22 AM
divemaster$25.00$25.0011/11/2010 9:44:08 AM
bright-investment$25.00$25.0011/11/2010 11:34:23 AM
psa1995$50.00$50.0011/11/2010 11:38:38 AM
point-kitten6$50.00$50.0011/11/2010 11:39:08 AM
loan-master996$50.00$50.0011/11/2010 11:41:15 AM
upbeat-investment9$50.00$50.0011/11/2010 1:19:05 PM
Brown98$25.00$25.0011/11/2010 1:54:20 PM
loss-of-control$50.00$50.0011/11/2010 5:15:23 PM
flexible-return297$50.00$50.0011/11/2010 6:37:19 PM
iamricher$25.00$25.0011/11/2010 6:37:32 PM
reward-tsunami7$50.00$50.0011/11/2010 6:35:48 PM
taylor883$43.54$43.5411/11/2010 6:38:12 PM
SoCalRancher$25.00$25.0011/11/2010 6:37:25 PM
ti22ring$25.00$25.0011/11/2010 6:36:00 PM
credible-balance0$25.00$25.0011/11/2010 6:38:08 PM
UBOtto186$50.00$50.0011/11/2010 6:47:38 PM
gracej$25.00$25.0011/11/2010 6:37:42 PM
peripatetic$25.00$25.0011/11/2010 6:38:14 PM
phaded$25.00$25.0011/11/2010 7:31:11 PM
Thoth_88$100.00$100.0011/11/2010 8:06:22 PM
producer553$25.00$25.0011/11/2010 9:59:16 PM
wealth-cheetah7$50.00$50.0011/11/2010 9:32:35 PM
damanq$44.35$44.3511/11/2010 9:34:07 PM
oracle3$50.00$50.0011/11/2010 11:51:06 PM
deltacredit$25.00$25.0011/11/2010 11:51:14 PM
assetmanager$25.00$25.0011/11/2010 9:59:17 PM
Ivan2007$50.00$50.0011/12/2010 4:40:43 AM
Interloper$25.00$25.0011/11/2010 11:50:56 PM
tidy-dime$25.00$25.0011/11/2010 11:51:09 PM
gjh37$48.75$48.7511/12/2010 12:38:39 AM
turbobrat$26.40$26.4011/12/2010 4:54:12 AM
truelumen$25.00$25.0011/12/2010 4:16:53 AM
Quiddity$50.00$50.0011/12/2010 4:19:09 AM
suave-dime6$25.00$25.0011/11/2010 11:50:58 PM
spiff666$25.00$25.0011/12/2010 6:18:07 AM
note-farm4$25.00$25.0011/11/2010 11:51:11 PM
calbertrand$25.00$25.0011/12/2010 6:34:21 AM
Emberfox$42.75$42.7511/12/2010 3:15:55 AM
puntme$25.00$25.0011/12/2010 7:06:23 AM
heerzaquestion$25.00$25.0011/12/2010 6:44:27 AM
gold-sushi$25.00$25.0011/12/2010 7:36:19 AM
first-serene-credit$25.00$25.0011/12/2010 6:55:37 AM
social-zebra$26.00$26.0011/12/2010 8:24:42 AM
PsiPro$25.00$25.0011/12/2010 7:39:17 AM
ready-vigilance3$38.25$38.2511/12/2010 7:54:07 AM
greenback-guard$25.00$25.0011/12/2010 7:24:16 AM
54CHEVY$42.37$42.3711/12/2010 8:59:10 AM
squarebob$25.00$25.0011/12/2010 7:45:04 AM
Johnab$26.00$26.0011/12/2010 8:48:43 AM
intuitive-bill$25.00$25.0011/12/2010 8:56:26 AM
trustworthy-finance6$150.00$150.0011/12/2010 9:04:50 AM
mgking007$50.00$50.0011/12/2010 11:45:32 AM
2Below$25.00$25.0011/12/2010 11:42:33 AM
rupee-kung-fu7$38.32$38.3211/12/2010 12:32:04 PM
ethicalhumanist$50.00$50.0011/12/2010 1:52:14 PM
wojo$25.00$25.0011/12/2010 2:41:54 PM
williemc44$50.00$50.0011/5/2010 3:19:01 PM
GElender$100.00$100.0011/5/2010 3:17:44 PM
icchok$50.00$50.0011/5/2010 3:28:51 PM
balanced-bill7$50.00$50.0011/5/2010 3:28:54 PM
inspired-investment8$50.00$50.0011/5/2010 3:29:04 PM
indomitable-coin$50.00$50.0011/5/2010 3:31:00 PM
nunnie$25.00$25.0011/5/2010 3:31:56 PM
simplelender80$100.00$100.0011/5/2010 3:30:52 PM
ray1051$25.00$25.0011/5/2010 3:29:26 PM
bold-durability-drum$50.00$50.0011/5/2010 3:29:29 PM
skuba$25.00$25.0011/5/2010 3:29:40 PM
handshake5$100.00$100.0011/5/2010 3:29:46 PM
inspiring-reward$75.00$75.0011/5/2010 3:37:59 PM
BxRealtor$25.00$25.0011/5/2010 3:34:35 PM
Artist_Blue$25.00$25.0011/5/2010 3:31:02 PM
mjunlimited$50.00$50.0011/5/2010 3:32:24 PM
Sam65$25.00$25.0011/5/2010 3:34:30 PM
helpishere777$25.00$25.0011/5/2010 3:34:51 PM
sumac5$100.00$100.0011/5/2010 3:46:07 PM
finance_mba$25.00$25.0011/5/2010 3:46:22 PM
Swabjockey$25.00$25.0011/5/2010 4:43:03 PM
reflective-rupee$44.00$44.0011/5/2010 3:57:22 PM
moola-wildebeest3$50.00$50.0011/5/2010 3:44:24 PM
chestnut4$25.00$25.0011/5/2010 6:38:07 PM
csarradio$25.00$25.0011/5/2010 6:50:29 PM
mla$25.00$25.0011/5/2010 6:50:40 PM
MM1207$25.00$25.0011/5/2010 6:50:55 PM
g314$30.00$30.0011/5/2010 6:51:19 PM
natural-note$50.00$50.0011/5/2010 6:49:02 PM
zone6$50.00$50.0011/5/2010 6:50:02 PM
mizon291$50.00$50.0011/5/2010 6:50:12 PM
missing-link$50.00$50.0011/5/2010 5:33:01 PM
kegs$150.00$150.0011/5/2010 6:53:09 PM
truth-companion$25.00$25.0011/5/2010 6:08:25 PM
Interstate_Rate$50.00$50.0011/5/2010 6:50:59 PM
coin-investor$25.00$25.0011/5/2010 6:51:29 PM
flopcat$25.00$25.0011/5/2010 8:11:48 PM
chief_wo$39.95$39.9511/5/2010 7:06:00 PM
bid-czar8$50.00$50.0011/6/2010 3:42:07 AM
neutrino6$25.00$25.0011/5/2010 10:43:40 PM
Rivervale_Westwood$25.00$25.0011/6/2010 8:36:18 AM
maldok1$25.00$25.0011/6/2010 2:36:42 AM
srilm$25.00$25.0011/6/2010 9:26:19 AM
LiveNow$25.00$25.0011/6/2010 6:07:13 AM
Mrphlox$25.00$25.0011/6/2010 11:22:25 AM
Doodlemeyer$50.00$50.0011/6/2010 11:30:25 AM
a275ranger$27.48$27.4811/6/2010 12:30:35 PM
tucksta$25.00$25.0011/6/2010 12:53:19 PM
exchange-battalion$30.00$30.0011/6/2010 1:31:36 PM
thrifty-peso$25.00$25.0011/6/2010 1:31:40 PM
unassassinable$25.00$25.0011/6/2010 1:32:32 PM
UT-Longhorn$25.00$25.0011/6/2010 10:51:17 AM
market-solstice2$25.00$25.0011/6/2010 2:09:46 PM
worth-arch$25.00$25.0011/6/2010 2:15:51 PM
JGB$50.22$50.2211/6/2010 1:32:20 PM
imlosttoo$25.00$25.0011/6/2010 12:03:49 PM
rapid-credit428$25.00$25.0011/6/2010 1:12:51 PM
Rysterola82$50.00$50.0011/6/2010 4:15:43 PM
GCInvestments$25.00$25.0011/6/2010 1:15:05 PM
sweet-loan8$25.00$25.0011/6/2010 5:38:22 PM
platinum-sorcerer6$25.00$25.0011/6/2010 6:35:46 PM
money-bauble$25.00$25.0011/7/2010 8:39:12 AM
loyalty-sherpa$50.00$50.0011/6/2010 7:44:12 PM
ddprice$25.00$25.0011/7/2010 9:38:31 AM
hitsman$100.00$100.0011/7/2010 10:33:36 AM
larrybird$150.00$150.0011/7/2010 1:23:31 PM
BlackFred$25.00$25.0011/7/2010 2:19:44 PM
community-pipeline$25.00$25.0011/7/2010 3:00:42 PM
bentheretoo$125.00$125.0011/7/2010 1:22:18 PM
Banker7371$25.00$25.0011/7/2010 4:33:19 PM
bowdish1$50.00$50.0011/7/2010 5:14:56 PM
tranquil-return4$25.00$25.0011/7/2010 3:12:13 PM
exuberant-pound$50.00$50.0011/7/2010 8:32:25 PM
get30inc$50.00$50.0011/7/2010 7:16:35 PM
graceful-investment$31.71$31.7111/7/2010 8:42:30 PM
macgeek$50.00$50.0011/8/2010 8:04:11 AM
loyalist1$100.00$100.0011/8/2010 8:25:17 AM
hannibal720$25.00$25.0011/8/2010 8:54:07 AM
blue-useful-auction$25.00$25.0011/8/2010 8:34:44 AM
melodious-fairness$25.00$25.0011/8/2010 8:56:57 AM
VBAces$50.00$50.0011/8/2010 9:54:08 AM
dollardave$100.00$100.0011/8/2010 9:06:31 AM
Dazz2061$25.00$25.0011/8/2010 9:15:49 AM
studious-listing8$50.00$50.0011/8/2010 8:12:44 AM
ValyaLibra01$25.00$25.0011/8/2010 8:37:19 AM
unforgettable-order9$26.08$26.0811/8/2010 8:54:05 AM
tomdooley12520$50.00$50.0011/8/2010 11:44:55 AM
bambampk$25.00$25.0011/8/2010 12:14:58 PM
IIP77$25.00$25.0011/8/2010 4:10:13 PM
orange-statuesque-dime$50.00$50.0011/8/2010 6:14:16 PM
thebadpelican$25.00$25.0011/8/2010 9:18:39 PM
tntmojave$25.00$25.0011/9/2010 3:29:15 AM
kulender$50.00$50.0011/8/2010 7:13:29 PM
JKEnterprises$25.00$25.0011/9/2010 4:58:48 AM
marketplace-cello5$33.41$33.4111/9/2010 6:14:58 AM
aasx1108$25.00$25.0011/9/2010 5:13:27 AM
Raser$50.00$50.0011/9/2010 5:22:32 AM
lucrative-transparency0$25.00$25.0011/9/2010 7:40:45 AM
brienc$46.62$46.6211/9/2010 8:41:21 AM
worklessmakemore$50.00$50.0011/9/2010 9:30:52 AM
enthusiastic-return2$50.00$50.0011/9/2010 9:38:52 AM
CAGE-Investments$25.00$25.0011/9/2010 11:10:21 AM
systematic-dollar9$25.00$25.0011/9/2010 11:23:13 AM
ciscoparrot$25.00$25.0011/9/2010 1:23:11 PM
topher515$25.00$25.0011/9/2010 10:04:03 AM
efficient-treasure0$25.00$25.0011/9/2010 2:51:29 PM
dedicated-transaction796$40.07$40.0711/9/2010 3:44:11 PM
Sol_Invictus$25.00$25.0011/9/2010 6:12:31 PM
Trinkaloki$25.00$25.0011/9/2010 4:50:52 PM
Cai8899$50.00$50.0011/9/2010 8:45:26 PM
tranquil-revenue$25.00$25.0011/10/2010 2:53:15 AM
wkeboarder21$50.00$50.0011/10/2010 6:52:08 AM
income-sage9$25.00$25.0011/10/2010 9:33:07 AM
Errylend$50.00$50.0011/10/2010 10:53:13 AM
flexible-funds3$25.00$25.0011/10/2010 12:23:09 PM
wtrboy$50.00$50.0011/10/2010 9:56:50 AM
moola-rose8$25.00$25.0011/10/2010 2:24:23 PM
visionary-currency$50.00$50.0011/10/2010 3:01:14 PM
power-kin$50.00$50.0011/10/2010 4:53:01 PM
worldly-penny8$25.00$25.0011/10/2010 6:26:18 PM
gmilliken$25.00$25.0011/10/2010 7:13:29 PM
gallant-camaraderi$27.43$27.4311/10/2010 5:35:21 PM
BankofBeth$25.00$25.0011/10/2010 10:44:53 PM
kind-efficient-credit$25.00$25.0011/11/2010 1:38:32 AM
gatorjh$25.00$25.0011/11/2010 7:09:17 AM
MARSTUN$50.00$50.0011/11/2010 6:54:28 AM
Marathoner$25.00$25.0011/11/2010 8:21:21 AM
ualf$50.00$50.0011/11/2010 8:29:48 AM
greenback-museum$25.00$25.0011/11/2010 9:02:16 AM
secondphase$50.00$50.0011/11/2010 9:33:34 AM
loiosh$50.00$50.0011/11/2010 10:19:20 AM
bowl800$25.00$25.0011/11/2010 10:52:53 AM
benefit-piano5$25.00$25.0011/11/2010 10:49:25 AM
cberthiaume$25.00$25.0011/11/2010 11:32:20 AM
p2p-voltage$25.00$25.0011/11/2010 11:34:17 AM
orderly-leverage$35.96$35.9611/11/2010 11:35:41 AM
ptjg$48.93$48.9311/11/2010 11:37:48 AM
FadSaolAgat$50.00$50.0011/11/2010 11:39:16 AM
hrubinst$26.68$26.6811/11/2010 11:41:27 AM
KileNSmyth4$80.00$80.0011/11/2010 11:38:37 AM
bomdel$25.00$25.0011/11/2010 11:39:03 AM
aha6297$25.00$25.0011/11/2010 11:41:19 AM
nalaari$25.00$25.0011/11/2010 11:39:45 AM
oldman68$25.00$25.0011/11/2010 12:01:04 PM
brightest-affluence-motivator$100.00$100.0011/11/2010 1:46:40 PM
rjrventure$48.49$48.4911/11/2010 2:38:04 PM
jodilee31$31.73$31.7311/11/2010 2:45:37 PM
wise-silver-wonder$25.00$25.0011/11/2010 2:45:00 PM
Eagledrop$25.00$25.0011/11/2010 3:25:10 PM
nestegg4e$25.00$25.0011/11/2010 3:33:22 PM
well-mannered-income3$25.00$25.0011/11/2010 3:25:13 PM
ladderskibum$25.00$25.0011/11/2010 6:37:30 PM
galvatron$25.00$25.0011/11/2010 6:37:38 PM
greenback-guard$25.00$25.0011/11/2010 6:38:11 PM
laufer32304$50.00$50.0011/11/2010 6:37:27 PM
Aveon$50.00$50.0011/11/2010 6:29:14 PM
subtle-revenue0$25.00$25.0011/11/2010 6:37:40 PM
intuitive-camaraderi9$25.00$25.0011/11/2010 6:38:05 PM
blissful-responsibility4$25.00$25.0011/11/2010 6:38:13 PM
lagnisiruk$25.00$25.0011/11/2010 6:37:34 PM
the-money-position$50.00$50.0011/11/2010 6:37:45 PM
soulwork$25.00$25.0011/11/2010 7:01:00 PM
teller$50.00$50.0011/11/2010 6:45:02 PM
Ols744$50.00$50.0011/11/2010 7:24:02 PM
iamdehaan$50.00$50.0011/11/2010 7:44:47 PM
murlirao2002$25.00$25.0011/11/2010 10:14:53 PM
mgking007$26.94$26.9411/11/2010 9:28:23 PM
lizard_lips$37.43$37.4311/11/2010 8:51:15 PM
oodkim84oo$50.00$50.0011/11/2010 11:51:12 PM
PugDog$25.00$25.0011/11/2010 9:59:17 PM
lifegrowth$25.00$25.0011/11/2010 10:14:51 PM
x-bones$25.00$25.0011/11/2010 9:59:15 PM
piper1636$50.00$50.0011/11/2010 10:09:13 PM
peerlender$25.00$25.0011/11/2010 11:50:53 PM
treasure-generator$25.00$25.0011/11/2010 11:51:00 PM
_NaLNaBB$250.00$250.0011/11/2010 11:51:23 PM
callmebryan$25.00$25.0011/11/2010 10:14:52 PM
BankofAdonai$25.00$25.0011/11/2010 11:51:03 PM
dajen1$40.00$40.0011/12/2010 7:20:53 AM
favorite-commerce$50.00$50.0011/12/2010 7:31:50 AM
snappy$29.64$29.6411/12/2010 5:29:14 AM
mike_banker$50.00$50.0011/12/2010 8:34:07 AM
Hogpilot$25.00$25.0011/12/2010 7:06:21 AM
goodfaithAK$25.00$25.0011/12/2010 7:14:21 AM
just21andy$50.00$50.0011/12/2010 8:49:09 AM
EvalCrux$50.00$50.0011/12/2010 7:20:52 AM
Picopie$38.04$38.0411/12/2010 8:00:59 AM
justinology$26.90$26.9011/12/2010 8:17:36 AM
happyinvallarta$25.00$25.0011/12/2010 8:19:12 AM
squarebob$25.00$25.0011/12/2010 7:45:17 AM
heroic-payout9$25.00$25.0011/12/2010 8:00:47 AM
life-is-great$33.16$33.1611/12/2010 8:56:27 AM
lala_4_ever$50.00$7.6511/12/2010 8:59:11 AM
travels536$25.00$25.0011/12/2010 10:37:58 AM
rate-negotiator$25.00$25.0011/12/2010 12:17:11 PM
heerzaquestion$25.00$25.0011/12/2010 12:58:19 PM
grampy48$30.00$30.0011/12/2010 1:59:49 PM
383 bids
 
Borrower Payment Dependent Notes Series 483048
This series of Notes was issued and sold upon the funding of the borrower loan #45438, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-15-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $308.20
 
Auction yield range: 10.57% - 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): 8 First credit line: Mar-1999 Debt/Income ratio: 13%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:13y 2m
Amount delinquent: $69 Total credit lines: 21 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,716Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: power-jam 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 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
Q: Please explain your current and past delinquincies and quantify your ability to pay this loan. What is the difference between your income and expenses? - Pu239
A: I shouldn't have any current delinquencies. I did notice an old $69 doctor bill that I'm trying to track down. I currently net about $750 a month after all expenses. I'm also expecting a significant increase in salary in Q1 of next year. (Nov-13-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bid-czar8$25.00$25.0011/8/2010 3:06:20 PM
radiant-loan5$200.00$200.0011/8/2010 3:16:34 PM
valiant-liberty4$25.00$25.0011/8/2010 3:20:08 PM
money-bauble$25.00$25.0011/8/2010 3:22:54 PM
velocity-solo$25.00$25.0011/8/2010 3:05:54 PM
Comoparklender$25.00$25.0011/8/2010 3:13:14 PM
personal-lender$25.00$25.0011/8/2010 5:07:14 PM
jigsaw$50.00$50.0011/9/2010 4:54:18 AM
6moonbeams$50.00$50.0011/9/2010 10:29:27 AM
ah-long$25.00$25.0011/9/2010 9:38:03 PM
commerce-web5$50.00$50.0011/10/2010 2:33:43 PM
hope-eagle6$25.00$25.0011/10/2010 3:28:55 PM
Kaj$25.00$25.0011/11/2010 3:57:33 AM
loyalist1$50.00$50.0011/11/2010 6:50:13 AM
rhin0cerx$50.00$50.0011/11/2010 10:44:22 AM
108lender$100.00$100.0011/11/2010 12:29:27 PM
supersarah61$25.00$25.0011/11/2010 3:03:18 PM
top-historic-peso$25.00$25.0011/11/2010 3:04:07 PM
euro-flower$45.47$45.4711/11/2010 4:41:24 PM
natural-greenback6$25.00$25.0011/11/2010 6:44:59 PM
richboy56$25.00$25.0011/11/2010 8:19:17 PM
bonus-poplar2$25.00$25.0011/12/2010 6:14:24 AM
incbx$50.00$50.0011/12/2010 5:29:16 AM
asset-yoga6$46.47$46.4711/12/2010 11:34:04 AM
brother_tam$50.00$50.0011/12/2010 11:42:20 AM
CC911$25.00$25.0011/12/2010 1:14:55 PM
worthy-bid4$100.00$100.0011/12/2010 2:11:56 PM
greenback-bull6$50.00$50.0011/12/2010 2:11:34 PM
anton$34.57$34.5711/12/2010 2:29:09 PM
GoCougs$50.00$50.0011/12/2010 3:22:50 PM
economy-producer$25.00$25.0011/12/2010 3:39:09 PM
dollar-sonnet3$50.00$50.0011/12/2010 3:21:14 PM
IIP77$25.00$25.0011/12/2010 3:21:29 PM
shrewd-deal$25.00$25.0011/12/2010 4:04:37 PM
resplendent-dollar$25.00$25.0011/12/2010 3:24:16 PM
payment-gusto$25.00$25.0011/12/2010 4:25:44 PM
momoney2lend$25.00$25.0011/12/2010 6:24:06 PM
worth-quark$25.00$25.0011/12/2010 7:00:50 PM
logical-investment4$25.00$25.0011/12/2010 4:29:10 PM
gotyourgear$25.00$25.0011/12/2010 7:19:13 PM
fairness-kayak$25.00$25.0011/12/2010 9:59:41 PM
Wellman$48.12$48.1211/12/2010 9:11:18 PM
schnatty$25.00$25.0011/12/2010 8:20:30 PM
DER$50.00$50.0011/12/2010 9:59:47 PM
Trevor_C$25.00$25.0011/12/2010 11:04:41 PM
chemistry220$35.33$35.3311/12/2010 9:00:28 PM
KiwiElf$30.00$30.0011/13/2010 12:21:38 AM
logical-loyalty0$25.00$25.0011/12/2010 10:19:05 PM
stock106$25.00$25.0011/12/2010 11:04:40 PM
zeelender$25.00$25.0011/13/2010 12:38:57 AM
nodrivelpls$25.00$25.0011/13/2010 12:39:09 AM
selfmademan$25.00$25.0011/13/2010 12:39:46 AM
new-social-economist$60.00$60.0011/12/2010 9:59:32 PM
mla$25.00$25.0011/13/2010 12:21:51 AM
kegs$80.13$80.1311/13/2010 12:22:09 AM
dparkhom$25.00$25.0011/13/2010 12:54:46 AM
wise-silver-wonder$25.00$25.0011/13/2010 12:56:25 AM
hope-hickory$25.00$25.0011/13/2010 12:56:55 AM
RSV$40.13$40.1311/13/2010 12:37:43 AM
Doug1043$25.00$25.0011/13/2010 12:51:13 AM
papaman$25.00$25.0011/12/2010 11:04:27 PM
orange-preeminant-bill$50.00$50.0011/12/2010 11:04:33 PM
DeutscheBank$25.00$25.0011/13/2010 12:37:02 AM
Cre8iveCash$25.00$25.0011/13/2010 12:37:50 AM
gain-gourd$33.46$33.4611/13/2010 4:50:23 AM
fairhelper$25.00$25.0011/13/2010 12:41:42 AM
social-conductor4$25.00$25.0011/13/2010 6:24:05 AM
financial-frenzy$50.00$50.0011/13/2010 12:57:39 AM
whatknows$25.00$25.0011/13/2010 6:14:05 AM
likeable-value$50.00$50.0011/13/2010 9:14:14 AM
tornandfrayed$50.00$50.0011/13/2010 10:56:11 AM
gentle-social0$25.00$25.0011/13/2010 8:14:18 AM
zorg77$25.00$25.0011/13/2010 9:14:08 AM
sagan$25.00$25.0011/13/2010 1:49:05 PM
jamiee73$25.00$25.0011/13/2010 1:54:12 PM
tsquared_030$25.00$25.0011/13/2010 10:59:14 AM
maschinenbau$25.00$25.0011/13/2010 10:59:30 AM
money-yeller$25.00$25.0011/13/2010 11:14:03 AM
red-unequivocal-finance$25.00$25.0011/13/2010 1:39:07 PM
NoCal$30.00$30.0011/13/2010 1:49:06 PM
loss-of-control$50.00$50.0011/13/2010 1:50:59 PM
srgriff$25.00$25.0011/13/2010 12:44:03 PM
-------aliba$50.00$50.0011/13/2010 1:46:11 PM
asiaratt$38.30$38.3011/13/2010 1:49:03 PM
loss-of-control$50.00$50.0011/13/2010 1:50:37 PM
power-secret-agent$25.00$25.0011/13/2010 4:44:05 PM
elegant-loot$25.00$25.0011/14/2010 9:21:54 AM
social-zebra$26.00$26.0011/14/2010 4:09:23 PM
loss-of-control$50.00$50.0011/14/2010 6:07:10 PM
Zoomzoom22$50.00$50.0011/14/2010 6:28:52 PM
worthy-bid4$30.00$30.0011/14/2010 12:05:56 PM
wwwUniversal$25.00$25.0011/14/2010 1:32:57 PM
BrandonW$25.00$25.0011/15/2010 8:28:04 AM
grampy48$40.00$40.0011/15/2010 11:29:21 AM
duty-monger$50.00$50.0011/15/2010 2:25:01 PM
social-heart$26.00$26.0011/15/2010 2:25:05 PM
jhernand17$25.00$25.0011/15/2010 11:56:44 AM
greenback-guard$25.00$25.0011/15/2010 1:09:09 PM
simplelender80$200.00$200.0011/8/2010 3:02:59 PM
missing-link$100.00$100.0011/8/2010 2:56:28 PM
kulender$50.00$50.0011/8/2010 3:23:51 PM
platinum-celebration4$25.00$25.0011/8/2010 4:24:40 PM
Artist_Blue$25.00$25.0011/9/2010 2:31:26 AM
bountiful-durability$25.00$25.0011/9/2010 9:13:13 AM
inspiring-reward$41.43$41.4311/9/2010 10:39:04 AM
finance-mushroom$100.00$100.0011/9/2010 9:41:33 AM
orderly-leverage$100.00$100.0011/9/2010 3:39:01 PM
finance-prescription$50.00$50.0011/10/2010 8:03:52 AM
FeedTheMachine$29.84$29.8411/10/2010 3:02:26 PM
WalnutCreekguy$50.00$50.0011/11/2010 8:51:22 AM
graceful-investment$60.99$60.9911/11/2010 2:29:39 PM
suave-dime6$50.00$50.0011/11/2010 3:01:35 PM
musegaze$100.00$100.0011/11/2010 3:05:31 PM
LiveNow$25.00$25.0011/11/2010 3:05:34 PM
worthy-bid8$25.00$25.0011/11/2010 3:07:03 PM
handshake5$50.00$50.0011/11/2010 5:39:32 PM
noble-revenue$25.00$25.0011/12/2010 3:24:09 AM
consummate-loyalty1$32.15$32.1511/12/2010 9:04:20 AM
dthompso$30.68$30.6811/12/2010 9:25:55 AM
p2p-czar3$25.00$25.0011/12/2010 1:14:58 PM
flwah$25.00$25.0011/12/2010 2:11:54 PM
abundant-credit6$25.00$25.0011/12/2010 2:26:27 PM
imoutdoorsy$25.00$25.0011/12/2010 2:29:11 PM
FASTIZIO_P$27.00$27.0011/12/2010 3:21:10 PM
innocent-income4$25.00$25.0011/12/2010 3:21:27 PM
escharfer$25.00$25.0011/12/2010 3:24:15 PM
best-coin-miser$25.00$25.0011/12/2010 3:24:17 PM
Magog12$25.00$25.0011/12/2010 4:29:09 PM
blackstar$25.00$25.0011/12/2010 4:29:11 PM
TrekTune$25.00$25.0011/12/2010 6:39:17 PM
marketologist327$25.00$25.0011/12/2010 7:04:17 PM
larrybird$137.90$137.9011/12/2010 4:29:07 PM
hawksfanmd$25.00$25.0011/12/2010 7:00:49 PM
methodical-capital7$25.00$25.0011/12/2010 5:05:10 PM
Mailman2004$50.00$50.0011/12/2010 7:09:08 PM
haplender$50.00$50.0011/12/2010 7:49:05 PM
SolarMoonshine$25.00$25.0011/12/2010 6:15:59 PM
MadHun$37.90$37.9011/12/2010 6:39:06 PM
cgorry$25.00$25.0011/12/2010 8:39:09 PM
Cpay2Me$25.00$25.0011/12/2010 9:00:30 PM
credit-sycamore4$47.18$47.1811/12/2010 9:59:40 PM
mindful-cash6$25.00$25.0011/12/2010 9:59:44 PM
iolaire$25.00$25.0011/12/2010 11:04:31 PM
gss_000$25.00$25.0011/13/2010 12:33:33 AM
affluence-tomahawk$25.00$25.0011/12/2010 11:04:36 PM
Maetryx$39.35$39.3511/12/2010 9:59:42 PM
affluence-tycoon$25.00$25.0011/13/2010 12:54:15 AM
red-power-pecan$50.00$50.0011/13/2010 12:56:30 AM
bronzmajom$25.00$25.0011/13/2010 12:56:52 AM
a-finance-nirvana$25.00$25.0011/13/2010 12:58:26 AM
upc_tnt$25.00$25.0011/12/2010 10:45:48 PM
thrifty-return$35.00$35.0011/13/2010 12:52:03 AM
Dreams4Cash$25.00$25.0011/13/2010 1:11:56 AM
point$50.00$50.0011/12/2010 11:04:30 PM
agiovasil$25.00$25.0011/12/2010 11:04:35 PM
treasure-bliss$50.00$50.0011/13/2010 12:57:09 AM
totoro$25.00$25.0011/13/2010 12:20:02 AM
vigorous-velocity$50.75$50.7511/13/2010 4:59:10 AM
Speculator$54.39$54.3911/13/2010 6:14:04 AM
shrewd-peace7$42.12$42.1211/13/2010 12:57:45 AM
helaman$25.00$25.0011/13/2010 1:05:08 AM
wdjnm$50.00$50.0011/13/2010 6:30:14 AM
LeReve$199.00$199.0011/13/2010 6:39:10 AM
diverse2$25.00$25.0011/13/2010 7:30:09 AM
listing-trapper3$50.00$50.0011/13/2010 9:14:10 AM
reflective-cash0$50.00$50.0011/13/2010 8:55:59 AM
WBB21$50.00$50.0011/13/2010 9:14:05 AM
MicroTreasury$25.00$25.0011/13/2010 9:14:09 AM
kaykarun$25.00$25.0011/13/2010 10:59:12 AM
lovely-leverage$85.00$85.0011/13/2010 8:26:46 AM
ITExec$55.64$55.6411/13/2010 9:14:07 AM
contract-boomerang$25.00$25.0011/13/2010 10:59:29 AM
minddoc$25.00$25.0011/13/2010 10:09:01 AM
Pu239$60.00$60.0011/13/2010 1:18:25 PM
andyscreenname$25.00$25.0011/13/2010 10:40:39 AM
reward-adventure$30.00$30.0011/13/2010 1:39:09 PM
shmb6508$50.00$50.0011/13/2010 1:49:07 PM
unassassinable$25.00$25.0011/13/2010 12:54:12 PM
Miklot$45.47$45.4711/13/2010 11:35:43 AM
RandB_CPAs$50.00$50.0011/13/2010 1:39:08 PM
skuba$25.00$25.0011/13/2010 1:49:04 PM
loss-of-control$50.00$50.0011/13/2010 1:49:39 PM
intuitive-bill$25.00$25.0011/13/2010 12:44:04 PM
finance-magma7$52.66$52.6611/13/2010 1:45:36 PM
impressive-loan9$50.00$2.2411/13/2010 2:00:21 PM
Leshan$33.33$33.3311/13/2010 10:12:20 PM
Bob450$25.00$25.0011/13/2010 5:35:07 PM
mpatrick$25.00$25.0011/13/2010 8:16:57 PM
jybank$25.00$25.0011/14/2010 7:29:50 PM
qcksilvr20$50.00$50.0011/14/2010 6:13:00 PM
Top_Gun_Lender$26.00$26.0011/15/2010 8:15:33 AM
thebadpelican$25.00$25.0011/15/2010 10:04:46 AM
Engineer44$25.00$25.0011/15/2010 2:25:41 PM
193 bids
 
Borrower Payment Dependent Notes Series 483126
This series of Notes was issued and sold upon the funding of the borrower loan #45400, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% 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: $339.27
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $339.27
 
Auction yield range: 16.57% - 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: Dec-1994 Debt/Income ratio: 47%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:17y 9m
Amount delinquent: $0 Total credit lines: 62 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,806Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: jeepsters 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 42 ( 100% ) 680-699 (Latest)
Principal borrowed: $14,000.00< 31 days late: 0 ( 0% )  
680-699 (Jan-2010)
600-619 (Mar-2007)
 
Principal balance: $4,116.07 31+ days late: 0 ( 0% )
Total payments billed: 42  
Description
WE ARE NOT GIVEN UP!
Purpose of loan: Dear Lenders, Our plan is to use this loan to pay off our existing 401k loan that is at 9.25%. We would than get a new loan at the current rate at 4.25%. The funds we would receive form this new loan would be used to pay off and close some personal loans, a credit card and our existing Prosper loan. This action would net us a savings of about $1000.00 per month. This would also help get our credit score up over 700, we are looking for 720 or better. Once we have that we can lower our auto loans from 6.5% to 3.9% at our Credit Union. We than can also get a premium rate to refinance our house and save another $400.00 to $500.00 per month. We would like to thank all the Lenders for taking the time to review our loan.

My financial situation: We feel that we are good candidates for this loan as we have been working towards rebuilding our credit for the last several years. When we received our first loan from the people of Prosper our credit score had crashed below 600. Today it is above 680. Our work history is solid and we have not missed or been late on a single payment since we started this journey over three plus years ago. We are hard working Honest folks that had a medical crises years back, we didn?t give up. WE JUST?TRIED HARDER!

Monthly net income: $ 5100.00

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 184
??Car expenses: $ 540
??Utilities: $ 150?
??Phone, cable, internet: $ 89
??Food, entertainment: $?425
??Clothing, household expenses $?150
??Credit cards and other loans: $?1356??
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: How long would it take for you to pay off this new Prosper loan? - squarebob
A: Dear Lender thanks for the question. We generally try to carry our prosper loans for at least two years out of curtousy to the lenders. Our intensions would be no different on this loan. Although this will free up some funds to pay it off sooner, we would carry it at least that long. The Jeepsters (Nov-13-2010)
Q: How much do you need to pay off your current 401k loan, and how much will you be able to borrow back out? Thanks. - squarebob
A: Dear Lender thank you for the question. Our current balance in our 401k is about 79k, we can borrow up to fifty percent. We are looking at about 30k, which will pay off the balance of our unsecured debt at a much lower interest than our current rate. The pay off on our current 401k loan is approxiamately 8600. We have enough cash on hand to cover the difference between the Prosper loan and 401k. Thank you, The Jeepsters (Nov-13-2010)
Q: Can you say why your debt/income ratio has increased since January? Thanks. (BTW, congratulations on your progress since your first loan, and thank you for making all your payments on time!) - squarebob
A: Dear Lender, Thanks for your question. We cosigned on a loan for our daughter to pay for a divorce attorney. Used some funds on a credit card to help with expenses in Yuma Az. while helping my Mother during the final two weeks before my Father's death. The Jeepsters (Nov-13-2010)
Q: see my page please. - Tono
A: Dear Lender, Thanks for the question. Our current net income before bonuses is $5100, Our current expenses are $4294. New expenses after this loan but before refinancing $3286. Thank you, The Jeepsters (Nov-13-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
UCLA4life$25.00$25.0011/8/2010 2:44:13 PM
myutmost$57.87$57.8711/8/2010 5:46:28 PM
Jasmel$75.00$75.0011/8/2010 8:20:24 PM
gravity7$25.00$25.0011/12/2010 8:15:50 PM
Jasmel$108.98$108.9811/12/2010 7:09:46 PM
CashFlow13$1,000.00$1,000.0011/13/2010 7:14:25 AM
squarebob$500.00$500.0011/13/2010 8:43:47 AM
investment-artist$25.00$25.0011/13/2010 9:54:48 AM
squarebob$400.00$400.0011/13/2010 10:00:07 AM
selector568$50.00$50.0011/13/2010 10:05:53 AM
loss-of-control$50.00$50.0011/13/2010 1:59:22 PM
impressive-fund0$58.20$58.2011/13/2010 4:25:02 PM
Tono$25.00$25.0011/13/2010 2:57:18 PM
loanman2007$175.00$175.0011/14/2010 7:32:00 AM
squarebob$500.00$455.5611/14/2010 7:23:46 AM
wlm3012$25.00$25.0011/14/2010 8:05:04 AM
credit-elation1$25.00$25.0011/14/2010 3:25:40 PM
clemclan$25.00$25.0011/14/2010 8:43:10 PM
squarebob$500.00$500.0011/15/2010 6:36:41 AM
blitzen40$35.00$35.0011/14/2010 8:22:13 PM
autumn_leaves$50.00$50.0011/15/2010 7:27:34 AM
Bob450$30.00$30.0011/15/2010 7:43:49 AM
Kash2010lu$75.00$75.0011/15/2010 8:02:53 AM
autumn_leaves$25.00$25.0011/15/2010 8:06:53 AM
reflective-rupee$444.00$444.0011/15/2010 8:52:19 AM
reflective-rupee$222.00$222.0011/15/2010 8:53:18 AM
heritage_loans$55.48$55.4811/15/2010 10:02:51 AM
thebadpelican$25.00$25.0011/15/2010 10:12:15 AM
sturdy-peace9$100.00$100.0011/15/2010 12:07:28 PM
dough-rocket$40.00$40.0011/15/2010 12:22:32 PM
Kash2010lu$25.00$25.0011/15/2010 12:38:10 PM
Rogelio48$30.00$30.0011/15/2010 10:07:15 AM
grampy48$25.00$25.0011/15/2010 11:44:07 AM
RecoveryLender$25.00$25.0011/15/2010 1:37:09 PM
enthralling-investment$35.00$35.0011/15/2010 1:49:14 PM
CreditBuilder2$100.00$100.0011/15/2010 2:16:28 PM
jpollar$25.00$25.0011/10/2010 12:58:11 AM
RainyDayFunds$25.00$25.0011/10/2010 12:26:51 PM
squarebob$100.00$100.0011/13/2010 5:53:50 AM
zotzot$100.00$100.0011/13/2010 8:44:26 AM
Aberdeen$999.99$999.9911/13/2010 10:09:09 AM
LaBamba$50.00$50.0011/13/2010 1:36:40 PM
Gregger$25.00$25.0011/13/2010 2:03:08 PM
zone6$100.00$100.0011/13/2010 7:51:51 PM
eboomer2611$25.00$25.0011/13/2010 9:14:49 PM
YoungTaxMan$109.46$109.4611/14/2010 11:10:20 AM
SolarMoonshine$50.00$50.0011/14/2010 6:04:58 PM
Rip128$40.00$40.0011/14/2010 6:44:24 PM
Tono$40.00$40.0011/14/2010 4:23:22 PM
Rip128$60.00$60.0011/15/2010 6:24:13 AM
chameleon125$100.00$100.0011/15/2010 7:22:29 AM
autumn_leaves$50.00$50.0011/15/2010 7:28:33 AM
NekHoldings$25.00$25.0011/15/2010 4:56:10 AM
autumn_leaves$50.00$50.0011/15/2010 7:26:22 AM
Zachilles$25.00$25.0011/15/2010 8:05:30 AM
autumn_leaves$50.00$50.0011/15/2010 7:26:58 AM
Rip128$40.00$40.0011/15/2010 11:54:27 AM
investment-visionary$25.00$25.0011/15/2010 12:43:49 PM
FunkyBro$33.54$33.5411/15/2010 12:27:40 PM
crawfishcentral$26.96$26.9611/15/2010 1:06:13 PM
DasMula$147.96$147.9611/15/2010 1:04:48 PM
carlos_chantana$25.00$25.0011/15/2010 1:26:57 PM
enthralling-investment$35.00$35.0011/15/2010 1:48:59 PM
PrincessGrace33$170.00$170.0011/15/2010 2:25:11 PM
64 bids
 
Borrower Payment Dependent Notes Series 483194
This series of Notes was issued and sold upon the funding of the borrower loan #45444, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-15-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $301.18
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $301.18
 
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): 5 First credit line: Oct-1992 Debt/Income ratio: 54%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:20y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $73,766Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: countingbeans Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 28 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
700-719 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Dumping Bank of America
Purpose of loan: This loan will be used to make a big up-front payment on a debt with a current monthly payment of $861 - allowing me to improve my cash flow, so that I can make a larger payment on a smaller debt and pay it off sooner. From there I intend to repeat the pattern, paying off each debt in its course. I intend to be entirely debt free (other than my mortgage) in 6 years. "Dumping Bank of America" is my ultimate goal.

My financial situation: I have a secure job with a retirement community. I am also attempting to re-fi my mortgage, which would reduce that payment by about $250/month. I am not underwater.

I am a good candidate for this loan because despite my high debt-to-income ratio and high usage of credit lines, I have never been delinquent on a debt. I am highly "compliance oriented" and always find a way to pay what I owe. As you can see, my last Prosper loan was paid off completely and 100% on time.

Monthly net income: $ 4200

Monthly expenses: $ 4072??
Housing: $ 1130 (including taxes and insurance)
Insurance: $ Included in housing and/or car expenses
Car expenses: $ 82 (insurance) $150 (gas, etc.) $280 (car payment)
Utilities: $ 100 - electricity (low even in winter because I heat with wood that is already paid for)
30 - garbage pickup
Phone, cable, internet: $ 150
Food, entertainment: $ 350
Clothing, household expenses $ 250
Credit cards and other loans: $ 1,700
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I like how you are planning your finances. However, it looks like you've only got $150 extra per month to work with. Will this loan be sufficient to reduce the payments per month you are making on your debt? - Trakissta
A: This loan will allow me to reduce my monthly payments by $861. Net of the $300 payment on this loan, that allows me an extra $561/month to make extra payments on the smaller debt. (Nov-09-2010)
Q: Why are your revolving debt and debt-to-income ratio up since your last Prosper loan? Thanks and best wishes - reflective-rupee
A: My husband and I separated since the time of my last loan. I had to borrow from a card to make a payment to him. I have shredded that card and all others, except one with a $1500 limit that I keep for emergencies (and do not carry in my wallet). (Nov-09-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
simplelender80$200.00$200.0011/8/2010 3:03:12 PM
valiant-liberty4$25.00$25.0011/8/2010 3:20:18 PM
Comoparklender$25.00$25.0011/8/2010 3:13:30 PM
ZPBSFinancialGroup$25.00$25.0011/8/2010 3:29:54 PM
radiant-loan5$200.00$200.0011/8/2010 4:27:34 PM
roadster199$25.00$25.0011/9/2010 2:36:03 AM
missing-link$50.00$50.0011/9/2010 8:42:38 AM
money-bauble$25.00$25.0011/9/2010 8:09:07 AM
JustMee$25.00$25.0011/9/2010 8:17:07 AM
reflective-rupee$44.00$44.0011/9/2010 9:34:25 AM
6moonbeams$50.00$50.0011/9/2010 10:29:34 AM
donlenboy$35.01$35.0111/10/2010 5:38:21 AM
orderly-leverage$25.00$25.0011/10/2010 9:56:47 AM
ah-long$25.00$25.0011/10/2010 2:32:31 PM
hope-eagle6$25.00$25.0011/10/2010 3:29:04 PM
Kaj$25.00$25.0011/11/2010 3:57:49 AM
loyalist1$50.00$50.0011/11/2010 6:50:16 AM
WalnutCreekguy$50.00$50.0011/11/2010 8:51:29 AM
rhin0cerx$50.00$50.0011/11/2010 10:44:36 AM
108lender$250.00$250.0011/11/2010 12:30:09 PM
LiveNow$25.00$25.0011/11/2010 3:05:37 PM
commerce-web5$50.00$50.0011/11/2010 3:05:38 PM
suave-dime6$25.00$25.0011/11/2010 3:05:20 PM
well-mannered-income3$40.00$40.0011/11/2010 3:33:42 PM
slygorman$35.00$35.0011/11/2010 7:41:50 PM
Aberdeen$999.99$999.9911/12/2010 7:14:23 AM
SolarMoonshine$25.00$25.0011/12/2010 6:09:59 PM
Zoomzoom22$200.00$200.0011/12/2010 8:40:39 PM
squarebob$25.00$25.0011/13/2010 7:31:59 AM
investment-artist$25.00$25.0011/13/2010 9:55:52 AM
Bob450$25.00$25.0011/13/2010 5:38:26 PM
Moe87$25.00$25.0011/13/2010 3:40:50 PM
bold-attentive-listing$25.00$25.0011/13/2010 4:10:50 PM
Zoomzoom22$113.70$113.7011/13/2010 10:12:46 PM
squarebob$50.00$50.0011/14/2010 7:18:59 AM
loanman2007$100.00$100.0011/14/2010 7:06:38 AM
cak02c$25.00$25.0011/14/2010 9:16:51 AM
loss-of-control$50.00$50.0011/14/2010 6:11:44 PM
greekgst99$25.00$25.0011/15/2010 5:36:28 AM
honey-money$25.00$25.0011/14/2010 6:41:44 PM
orbital-return316$25.00$25.0011/15/2010 7:49:13 AM
Flshedman$50.00$50.0011/15/2010 6:55:30 AM
wlm3012$25.00$25.0011/15/2010 8:34:30 AM
jcw3rd$25.00$25.0011/15/2010 5:34:27 AM
Sturgee$25.00$25.0011/15/2010 7:44:12 AM
outofoffice$50.00$50.0011/15/2010 7:59:54 AM
HenlopenCapital$25.00$25.0011/15/2010 7:37:51 AM
credit-missile$25.00$25.0011/15/2010 8:29:22 AM
credit-missile$25.00$25.0011/15/2010 8:31:09 AM
unafraid-loan5$27.86$27.8611/15/2010 9:56:32 AM
thebadpelican$25.00$25.0011/15/2010 10:07:48 AM
tr-doc$200.00$200.0011/15/2010 9:48:25 AM
principal-star$25.00$25.0011/15/2010 12:29:57 PM
Nerdster1$25.01$25.0111/15/2010 2:13:37 PM
woohoo$25.00$25.0011/15/2010 2:18:34 PM
velocity-solo$25.00$25.0011/8/2010 3:05:59 PM
bid-czar8$50.00$50.0011/8/2010 3:06:37 PM
kulender$50.00$50.0011/8/2010 3:24:25 PM
Artist_Blue$25.00$25.0011/8/2010 4:08:46 PM
personal-lender$25.00$25.0011/9/2010 6:16:04 AM
reflective-rupee$44.00$44.0011/9/2010 9:34:14 AM
Anny-Disco$50.00$50.0011/9/2010 8:55:04 AM
reflective-rupee$44.00$44.0011/9/2010 9:34:38 AM
finance-mushroom$100.00$100.0011/9/2010 9:41:45 AM
inspiring-reward$150.00$150.0011/9/2010 1:48:25 PM
jigsaw$50.00$50.0011/9/2010 3:43:28 PM
Trakissta$150.00$150.0011/9/2010 7:04:48 PM
platinum-celebration4$25.00$25.0011/9/2010 8:53:57 PM
bountiful-durability$30.57$30.5711/10/2010 2:24:17 PM
NekHoldings$25.00$25.0011/11/2010 5:50:56 AM
FeedTheMachine$50.00$50.0011/11/2010 12:18:52 PM
supersarah61$25.00$25.0011/11/2010 3:59:01 PM
drcoop$25.00$25.0011/11/2010 5:39:12 PM
musegaze$100.00$19.8611/11/2010 7:37:45 PM
greencat$50.00$50.0011/12/2010 9:34:34 AM
squarebob$25.00$25.0011/13/2010 7:31:19 AM
squarebob$25.00$25.0011/13/2010 7:31:37 AM
bluehen00$50.00$50.0011/13/2010 8:43:27 AM
Moe87$25.00$25.0011/13/2010 9:40:07 AM
Pu239$60.00$60.0011/13/2010 10:35:07 AM
Nailman88$25.00$25.0011/13/2010 11:05:10 AM
CashFlow13$1,000.00$1,000.0011/13/2010 11:10:44 AM
gluon$25.00$25.0011/13/2010 1:14:45 PM
loss-of-control$50.00$50.0011/13/2010 2:06:51 PM
SFBank$300.00$300.0011/13/2010 4:43:07 PM
mpatrick$25.00$25.0011/13/2010 8:18:11 PM
squarebob$50.00$50.0011/14/2010 7:19:26 AM
CashFlow13$500.00$500.0011/14/2010 1:44:51 PM
Zoomzoom22$50.00$50.0011/14/2010 1:51:35 PM
gothampark$25.00$25.0011/14/2010 9:19:21 PM
enchanted-note$50.00$50.0011/14/2010 5:55:27 PM
cashhelp$30.00$30.0011/15/2010 4:26:00 AM
credit-missile$25.00$25.0011/15/2010 8:29:54 AM
niq4soccer$25.00$25.0011/15/2010 6:36:42 AM
credit-missile$25.00$25.0011/15/2010 8:30:18 AM
credit-missile$25.00$25.0011/15/2010 8:30:42 AM
favorite-commerce$100.00$100.0011/15/2010 9:05:28 AM
trade-goblin9$25.00$25.0011/15/2010 9:46:08 AM
forthright-trade$25.00$25.0011/15/2010 10:02:31 AM
order-elevator7$26.00$26.0011/15/2010 1:01:03 PM
enthralling-investment$60.00$60.0011/15/2010 1:52:41 PM
grampy48$50.00$50.0011/15/2010 11:32:00 AM
basis-image$40.00$40.0011/15/2010 2:03:23 PM
103 bids
 
Borrower Payment Dependent Notes Series 483230
This series of Notes was issued and sold upon the funding of the borrower loan #45394, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-08-2010 
  Auction end date:  Nov-10-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 40.68% Starting monthly payment: $44.87
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 40.68% Final monthly payment: $44.87
 
Auction yield range: 13.57% - 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): 6 First credit line: Oct-1988 Debt/Income ratio: 57%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 26Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $940 
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: transparency-butterfly3 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
Keeping myself in my home
Purpose of loan:
This loan will be used to catch up on my financial responsibilities, i.e. school enrollment, health credit expenses, rent.

My financial situation:
I am a good candidate for this loan because I seriously only need a hand up, this loan WILL be paid back quickly. We just found ourselves with a sudden limitation on our income. We meaning my wife's job has cut her hours tremendously and until she can get more work, we are in trouble.

Monthly net income: $ 1848

Monthly expenses: $ 1670
??Housing: $ 850
??Insurance: $ 20 ????
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $ 200
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$200.0011/8/2010 3:03:15 PM
bid-czar8$50.00$50.0011/8/2010 3:06:40 PM
precious-coin3$25.00$25.0011/8/2010 3:10:14 PM
valiant-liberty4$25.00$25.0011/8/2010 3:20:21 PM
Comoparklender$25.00$25.0011/8/2010 3:13:33 PM
velocity-solo$25.00$25.0011/8/2010 3:03:56 PM
RebuildALife$25.00$25.0011/8/2010 4:04:11 PM
Artist_Blue$25.00$25.0011/8/2010 4:08:42 PM
radiant-loan5$199.43$56.5711/8/2010 4:27:40 PM
Asian-Persuasion$25.00$25.0011/9/2010 7:52:20 AM
nickel-hickory$25.00$25.0011/9/2010 3:37:41 PM
bankbuddy55$25.00$25.0011/10/2010 7:11:34 AM
transaction-circuit$50.00$50.0011/8/2010 2:50:52 PM
kulender$50.00$50.0011/8/2010 3:24:28 PM
Midwestvalues$100.00$100.0011/8/2010 3:21:06 PM
inspiring-reward$68.43$68.4311/8/2010 4:21:08 PM
lovely-leverage$100.00$100.0011/9/2010 2:38:35 AM
transaction-circuit$100.00$100.0011/9/2010 9:54:47 AM
18 bids
 
Borrower Payment Dependent Notes Series 483444
This series of Notes was issued and sold upon the funding of the borrower loan #45406, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,400.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Nov-10-2010 
  Auction end date:  Nov-14-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $297.17
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $297.17
 
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): 7 First credit line: Sep-2005 Debt/Income ratio: 24%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,718Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: armyprincess68 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2009)
640-659 (Aug-2009)
 
Principal balance: $560.68 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
moving loans and school debt
This loan will be used to pay off moving expenses .The military pays for you to move from duty station to duty station. however they do not pay for your expenses if you move during your current duty station. I had to move after my divorce and again after roommate was reassigned to FT Gordon GA . As well as another full months rent for the deposit . I am trying to pay off my credit cards which are very close to being maxed out from these multiple moves , as well? paying for book for college. The army again will pay for my classes however they do not pay for my books. I am currently trying to complete my bachelors degree in liberal arts with an emphasis in science so I can apply for the army nurse program an complete my education an become a nurse. My financial situation:I am a good candidate for this loan because I ALWAYS pay? my bills, and pay them on time. I recently borrowed 3500 and have paid all but $560.I would like to pay off my credit cars and just have one monthly payment to make life easier.again as you can see I pay my bills and? I pay them on time. My credit score has dropped recently as my credit cards have been maxed out or are very close to it I am working on paying them off but one payment would be a lot easier to manage.

Monthly net income: $ 3800.00

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 150.00
??Car expenses: $ 250.00
??Utilities: $ 0 included in rent
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $350 .00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, 1)You stated: "credit cards which are very close to being maxed out from these multiple moves " Prosper indicates the following: Bankcard utilization:29% Could you please explain the discrepancies? Thank you, MM - Mr-Miracle
A: I have three credit cards 1 visa and 2 mastercard which are my main credit cards and multipule store credit cards. I don't use my store cards as it only hurts my credit for now . I hppe this answers you question :) let me know if you need more explantion (Nov-13-2010)
Q: Hi, Your previous loan was for books + lawyer fees. The current listing is for books + moving expenses. How long have you been enrolled in school for? Thank you MM - Mr-Miracle
A: I have been in school since september 2007 and I am only allowed to take 6 classes per year . as i am needed to be a full time soldier and anything more would make me a full time student and the army's funding wont cover anymore then j6 classes per year. (Nov-13-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bid-czar8$25.00$25.0011/10/2010 2:46:28 PM
money-bauble$25.00$25.0011/10/2010 2:45:50 PM
Comoparklender$25.00$25.0011/10/2010 2:58:05 PM
reflective-rupee$88.00$88.0011/10/2010 2:58:25 PM
valiant-liberty4$25.00$25.0011/10/2010 3:00:19 PM
finance-mushroom$100.00$100.0011/10/2010 2:49:23 PM
6moonbeams$50.00$50.0011/10/2010 2:49:45 PM
Thylow$100.00$100.0011/10/2010 2:51:13 PM
Integrity1st$25.00$25.0011/10/2010 3:51:54 PM
velocity-solo$25.00$25.0011/10/2010 2:56:55 PM
simplelender80$200.00$200.0011/10/2010 2:59:34 PM
Kaj$25.00$25.0011/11/2010 3:58:29 AM
loyalist1$50.00$50.0011/11/2010 6:50:35 AM
credit-birch$50.00$50.0011/11/2010 11:40:10 AM
personal-lender$25.00$25.0011/11/2010 3:06:00 PM
rhin0cerx$50.00$50.0011/11/2010 3:04:58 PM
missing-link$100.00$100.0011/11/2010 3:06:47 PM
supersarah61$46.37$46.3711/11/2010 7:14:48 PM
bountiful-durability$28.84$28.8411/12/2010 2:14:07 AM
Gbrad88$200.00$200.0011/12/2010 3:23:36 AM
Artist_Blue$25.00$25.0011/12/2010 6:04:16 AM
zone6$60.93$60.9311/12/2010 6:02:43 AM
superb-kindness2$50.00$50.0011/12/2010 8:34:45 AM
greencat$50.00$50.0011/12/2010 9:36:07 AM
credit-harp$25.00$25.0011/12/2010 1:04:01 PM
credible-coin$78.40$78.4011/12/2010 12:34:36 PM
hidavehi$25.00$25.0011/12/2010 4:23:18 PM
SongBirdProphecy$25.00$25.0011/12/2010 9:24:24 PM
thesage$25.00$25.0011/13/2010 8:42:18 AM
on_your_side$35.85$35.8511/13/2010 11:27:12 AM
squarebob$25.00$25.0011/13/2010 1:48:19 PM
113121$2,186.73$589.8411/13/2010 7:02:58 PM
bluehen00$70.00$70.0011/13/2010 4:14:30 PM
spiff666$25.00$25.0011/14/2010 9:01:21 AM
lender12345$50.00$50.0011/14/2010 1:31:10 PM
silver-parsec$30.00$30.0011/14/2010 10:47:19 AM
BlessedEveryDay$25.00$25.0011/14/2010 5:53:09 PM
JoePaNation$50.00$50.0011/14/2010 11:59:10 AM
reflective-rupee$44.00$44.0011/10/2010 2:58:04 PM
kulender$50.00$50.0011/10/2010 3:01:52 PM
PAULBOT$100.00$100.0011/11/2010 12:22:08 AM
113121$25.00$25.0011/11/2010 7:19:12 AM
radiant-loan5$36.49$36.4911/11/2010 8:45:26 AM
108lender$250.00$250.0011/11/2010 12:30:48 PM
payment-halo$25.00$25.0011/11/2010 12:46:25 PM
jigsaw$50.00$50.0011/11/2010 3:04:36 PM
WalnutCreekguy$50.00$50.0011/11/2010 3:59:13 PM
sensible-fund$67.00$67.0011/11/2010 3:47:42 PM
inspiring-reward$25.00$25.0011/11/2010 6:44:49 PM
revenue-youngster$25.00$25.0011/11/2010 7:56:28 PM
orderly-leverage$25.00$25.0011/11/2010 8:29:04 PM
hope-eagle6$25.00$25.0011/12/2010 3:59:13 AM
platinum-celebration4$25.00$25.0011/12/2010 6:55:08 AM
loanman2007$100.00$100.0011/12/2010 12:23:43 PM
Branch95$25.00$25.0011/12/2010 4:43:56 PM
lendstats_com$200.00$200.0011/12/2010 6:42:50 PM
dynrep$25.00$25.0011/13/2010 10:41:17 AM
CashFlow13$3,000.00$3,000.0011/13/2010 11:35:52 AM
kublai$100.00$100.0011/13/2010 11:17:10 AM
squarebob$25.00$25.0011/13/2010 1:47:56 PM
Rulea72$49.28$49.2811/13/2010 1:59:57 PM
palmdelino$25.00$25.0011/13/2010 5:55:38 PM
SolarMoonshine$25.00$25.0011/13/2010 3:24:21 PM
Lakeland$25.00$25.0011/13/2010 8:30:57 PM
SFBank$300.00$300.0011/13/2010 4:42:31 PM
EngineersAlliance$25.00$25.0011/13/2010 7:05:17 PM
Ubiquinone$25.00$25.0011/13/2010 6:58:34 PM
wlm3012$25.00$25.0011/14/2010 8:31:52 AM
KrisKringle$50.00$50.0011/14/2010 5:50:45 PM
honey-money$25.00$25.0011/14/2010 6:44:03 PM
70 bids
 
Borrower Payment Dependent Notes Series 483642
This series of Notes was issued and sold upon the funding of the borrower loan #45361, 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: 24.00% Auction start date:  Nov-10-2010 
  Auction end date:  Nov-16-2010 
 
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: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-1999 Debt/Income ratio: 13%
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 8 Current / open credit lines: 4 / 3Length of status:4y 3m
Amount delinquent: $4,503 Total credit lines: 36 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 19 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: jaimef213 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
560-579 (Aug-2008)
580-599 (May-2008)
540-559 (Oct-2007)
520-539 (Aug-2007)
 
Principal balance: $121.84 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Pay off last of debt
Purpose of loan:
I am trying to pay off the last of my debt.? I have been working diligently to increase and repair my credit.? I would rather have one payment a month and the peace of mind that that is all I owe besides my student loans which are in deferement due to me obtaining my Master's Degree.
My financial situation:
My financial may not look good at all in Prosper's eyes, but I am def gaining ground.? I paid my previous prosper loan on time every month! and I fully intend to do the same with this loan.?

Monthly net income: $ 2860

Monthly expenses: $
??Housing: $ 975
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 60
??Phone, cable, internet: $ 120
??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)
UCLA4life$25.00$25.0011/10/2010 2:51:09 PM
reflective-rupee$44.00$44.0011/12/2010 9:35:57 AM
reflective-rupee$44.00$44.0011/12/2010 9:35:38 AM
big_balla_papi$25.00$25.0011/12/2010 7:36:16 PM
NekHoldings$25.00$25.0011/13/2010 6:17:01 AM
mikeandcat$100.00$100.0011/14/2010 10:38:55 AM
YoungTaxMan$25.00$25.0011/14/2010 11:22:01 AM
Mark-M$25.00$25.0011/15/2010 12:18:05 PM
CommunityArts_Non-profit$25.00$25.0011/15/2010 3:28:20 PM
Aberdeen$999.99$999.9911/15/2010 11:55:06 PM
jwsun90$315.69$315.6911/15/2010 11:47:36 PM
SolarMoonshine$50.00$50.0011/16/2010 4:11:08 AM
justbman$25.00$25.0011/16/2010 9:36:34 AM
msfitzge$25.00$25.0011/16/2010 3:58:06 PM
Leshan$29.16$29.1611/16/2010 5:13:32 PM
jwsun90$300.00$300.0011/12/2010 8:56:19 AM
reflective-rupee$44.00$44.0011/12/2010 9:36:23 AM
blitzen40$35.00$35.0011/12/2010 2:58:04 PM
Amber_Stone$50.00$50.0011/12/2010 4:28:27 PM
seadogs$25.00$25.0011/13/2010 3:42:18 AM
investment-artist$25.00$25.0011/13/2010 10:31:54 AM
galloping_unicorns_batman$30.00$30.0011/15/2010 11:10:42 AM
selector568$50.00$46.8411/15/2010 11:52:41 PM
golffish2$100.00$100.0011/16/2010 4:44:21 AM
Iceman1347$25.00$25.0011/16/2010 8:11:04 AM
1st_Prosper_Lender$25.00$25.0011/16/2010 4:51:30 AM
red-favorable-basis$25.00$25.0011/16/2010 9:06:17 AM
FarmersBank$25.00$25.0011/16/2010 6:27:35 AM
progressive-treasure1$200.00$200.0011/16/2010 9:54:18 AM
McDeeter$35.00$35.0011/16/2010 12:34:37 PM
Bob450$25.00$25.0011/16/2010 9:30:31 AM
Bob450$25.00$25.0011/16/2010 3:22:44 PM
snm2001$25.00$25.0011/16/2010 2:55:53 PM
papaloha$100.00$100.0011/16/2010 5:07:01 PM
alaskakid$26.32$26.3211/16/2010 5:33:05 PM
El_Profesional$25.00$25.0011/16/2010 4:46:42 PM
36 bids
 
Borrower Payment Dependent Notes Series 484280
This series of Notes was issued and sold upon the funding of the borrower loan #45432, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,250.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-15-2010 
  Auction end date:  Nov-17-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 40.02% Starting monthly payment: $56.55
Final lender yield: 32.00% Final borrower rate/APR: 33.00% / 37.96% Final monthly payment: $55.14
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.18%  
Lender servicing fee: 1.00% Estimated return: 11.82%  
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-1994 Debt/Income ratio: 31%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 32 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,752Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: platinum-announcer 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 / 1 On-time: 11 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2010)
640-659 (Oct-2009)
 
Principal balance: $2,771.18 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Emergency car repairs
Purpose of loan:
This loan will be used to?Well, I had wanted to consolidate my current Prosper loan and 2 other high rate cards but that loan did not get funded.? I have since found out I need some auto repair work done and would prefer to not put it on a card.? I was able to get the other 2 cards paid off (thanks to a nice windfall I did not expect).? I will also be able to pay off this small loan in at least 6 months.? I think Prosper has changed some criteria because my scores were higher with my last loan.? I am resubmitting the request with a different rate.

My financial situation:
I am a good candidate for this loan because? Steady employment and I also have a part time job (it is a 1099 job) where I earn on average $300-350 clear a month

Monthly net income: $ 3700.00

Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 70.00
??Car expenses: $ 265.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $ 200.00?
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 160.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glroark$50.00$50.0011/15/2010 3:10:16 PM
reflective-rupee$44.00$44.0011/15/2010 3:24:28 PM
reflective-rupee$44.00$44.0011/15/2010 3:24:47 PM
farblest$25.00$25.0011/15/2010 9:01:51 PM
payout-reaction740$25.00$25.0011/16/2010 10:09:05 AM
ZPBSFinancialGroup$25.00$25.0011/16/2010 4:37:17 PM
realtormoises$25.00$25.0011/16/2010 7:29:48 PM
Lender-Trader$500.00$500.0011/17/2010 7:19:02 AM
Whipster$25.00$25.0011/17/2010 5:21:58 AM
silvercertificate$25.00$25.0011/17/2010 9:02:17 AM
reflective-rupee$44.00$44.0011/15/2010 3:24:12 PM
reflective-rupee$44.00$23.0011/15/2010 3:24:58 PM
Kash2010lu$50.00$50.0011/15/2010 6:28:43 PM
Mr-Miracle$25.00$25.0011/15/2010 9:36:36 PM
SolarMoonshine$25.00$25.0011/16/2010 3:58:53 AM
loanman2007$25.00$25.0011/16/2010 5:36:35 AM
CommunityArts_Non-profit$30.00$30.0011/16/2010 1:46:45 PM
SFBank$150.00$150.0011/16/2010 7:16:10 PM
vine99$40.00$40.0011/16/2010 8:18:52 PM
honey-money$25.00$25.0011/16/2010 6:10:56 PM
run_dmc$25.00$25.0011/17/2010 10:58:25 AM
21 bids