Sales Report:Supplement No. 89 dated Dec 06, 2010 to Prospectus dated Jul 26, 2010File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 26, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
459685
This series of Notes was issued and sold upon the funding of the borrower loan #45698, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Dec-01-2010 |
| |
Auction end date:
| Dec-02-2010 |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 20.51% |
Starting monthly payment:
| $34.62 |
|
Final lender yield:
| 13.20% |
Final borrower rate/APR:
| 14.20% / 19.79% |
Final monthly payment:
| $34.27 |
| |
|
Auction yield range:
| 5.57% - 13.90% |
Estimated loss impact:
| 6.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
5 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $955 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wildcat50 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Christmas
Purpose of loan:
My family has ran into hardships this year and have no money for Christmas presents.? The money would be used to provide Christmas presents for my family.? Thanks for your consideration.?
My financial situation:
I am a good candidate for this loan because I am responsible and always make my payments on time.
Monthly net income: $
3,120
Monthly expenses: $
??Housing: $ 806
??Insurance: $ 150
??Car expenses: $
??Utilities: $?240
??Phone, cable, internet: $ 105
??Food, entertainment: $ 350
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 340
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| myworld701 | $25.00 | $25.00 | 12/1/2010 3:37:57 PM |
| selector568 | $200.00 | $200.00 | 12/1/2010 3:37:53 PM |
| exchange-squirrel | $25.00 | $25.00 | 12/1/2010 3:42:22 PM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2010 3:47:22 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 12/1/2010 3:46:46 PM |
| RandyL3 | $25.00 | $25.00 | 12/1/2010 3:52:16 PM |
| vutah | $25.00 | $25.00 | 12/1/2010 3:52:47 PM |
| mkvance | $47.20 | $47.20 | 12/1/2010 3:59:33 PM |
| FundMaker | $25.00 | $25.00 | 12/1/2010 4:30:51 PM |
| direct-social3 | $50.00 | $42.01 | 12/1/2010 3:56:37 PM |
| Bank_Of_XL | $50.00 | $50.00 | 12/1/2010 4:18:52 PM |
| Sol_Invictus | $25.00 | $25.00 | 12/1/2010 7:08:06 PM |
| seineil | $39.34 | $39.34 | 12/2/2010 12:12:35 AM |
| Montgomery-Burns | $25.00 | $25.00 | 12/2/2010 12:53:13 AM |
| bonus-sensai825 | $25.00 | $25.00 | 12/1/2010 9:12:06 PM |
| smarva | $25.00 | $25.00 | 12/2/2010 8:09:38 AM |
| lawyervon | $25.00 | $25.00 | 12/2/2010 9:42:02 AM |
| shellstar | $25.00 | $25.00 | 12/1/2010 3:37:51 PM |
| Approved | $25.00 | $25.00 | 12/1/2010 3:41:14 PM |
| BrLender | $50.00 | $50.00 | 12/1/2010 3:37:58 PM |
| stuy1998 | $27.45 | $27.45 | 12/1/2010 5:02:39 PM |
| USNavyVet | $25.00 | $25.00 | 12/1/2010 7:44:23 PM |
| hidavehi | $44.00 | $44.00 | 12/1/2010 7:22:05 PM |
| thankful-nickel2 | $25.00 | $25.00 | 12/2/2010 3:05:58 AM |
| indomitable-coin | $50.00 | $50.00 | 12/2/2010 10:19:25 AM |
| investinFla | $25.00 | $25.00 | 12/2/2010 5:59:07 AM |
| payout-alien6 | $25.00 | $25.00 | 12/2/2010 10:37:33 AM |
| 27 bids
|
Borrower Payment Dependent Notes Series
482983
This series of Notes was issued and sold upon the funding of the borrower loan #45689, 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-05-2010 |
| |
Auction end date:
| Nov-12-2010 |
|
|
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):
| 5 |
First credit line:
| Jun-2001 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $63,245 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| versatile-p2p6 |
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
home remodeling
The purpose of this loan is to remodel one property I have currently rented in Tampa, FL, I need to install a new carpet, install new kitchen cabinets and replace all the appliances, I also need to have the interior painted
My personal financial situation is very stable, I have a steady job. My company sells military aircraft parts to the US Government and foreign air forces. Last year we were among the 5000 fastest growing private companies in the USA
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 is your bank card utilization so high?. - principal-star
A:
all my credit cards have a zero balance, I don't owe anything to any of my bank cards, the balance that is reflected as a revolving account belongs to a home equity line of credit that was used for my business
(Nov-12-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| bid-czar8 | $25.00 | $25.00 | 11/5/2010 3:31:21 PM |
| missing-link | $100.00 | $100.00 | 11/5/2010 3:29:13 PM |
| simplelender80 | $200.00 | $200.00 | 11/5/2010 3:30:24 PM |
| Comoparklender | $25.00 | $25.00 | 11/5/2010 3:35:28 PM |
| reflective-rupee | $44.00 | $44.00 | 11/5/2010 3:51:15 PM |
| nybanker85 | $50.00 | $50.00 | 11/6/2010 1:14:28 PM |
| nickel-hickory | $25.00 | $25.00 | 11/6/2010 2:30:56 PM |
| supersarah61 | $50.00 | $50.00 | 11/6/2010 7:43:31 PM |
| money-bauble | $25.00 | $25.00 | 11/7/2010 8:40:35 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/8/2010 7:55:38 AM |
| successful-agreement7 | $100.00 | $100.00 | 11/8/2010 8:56:51 AM |
| balance-handshake7 | $25.00 | $25.00 | 11/8/2010 8:10:31 AM |
| inspiring-reward | $100.00 | $100.00 | 11/8/2010 12:47:11 PM |
| personal-lender | $25.00 | $25.00 | 11/8/2010 5:06:49 PM |
| orderly-leverage | $100.00 | $100.00 | 11/8/2010 10:20:51 PM |
| jigsaw | $50.00 | $50.00 | 11/9/2010 4:54:07 AM |
| FutureLenderEC | $25.00 | $25.00 | 11/9/2010 6:48:24 AM |
| finance-mushroom | $100.00 | $100.00 | 11/9/2010 9:41:21 AM |
| 6moonbeams | $50.00 | $50.00 | 11/9/2010 10:29:15 AM |
| mercuriant | $25.00 | $25.00 | 11/9/2010 3:39:06 PM |
| commerce-web5 | $50.00 | $50.00 | 11/9/2010 3:38:53 PM |
| 108lender | $50.00 | $50.00 | 11/10/2010 2:04:17 PM |
| Kaj | $25.00 | $25.00 | 11/11/2010 3:57:16 AM |
| WalnutCreekguy | $50.00 | $50.00 | 11/11/2010 8:51:18 AM |
| rhin0cerx | $50.00 | $50.00 | 11/11/2010 10:44:16 AM |
| musegaze | $30.21 | $30.21 | 11/11/2010 2:30:12 PM |
| reflective-rupee | $44.00 | $44.00 | 11/11/2010 2:39:36 PM |
| top-historic-peso | $25.00 | $25.00 | 11/11/2010 2:29:47 PM |
| nilonc1 | $25.80 | $25.80 | 11/11/2010 2:34:04 PM |
| incbx | $50.00 | $50.00 | 11/11/2010 3:06:51 PM |
| greenback-bull6 | $49.45 | $49.45 | 11/11/2010 3:06:09 PM |
| yield-scout8 | $25.00 | $25.00 | 11/11/2010 3:16:55 PM |
| loss-of-control | $50.00 | $50.00 | 11/11/2010 5:10:18 PM |
| loss-of-control | $50.00 | $50.00 | 11/11/2010 5:11:19 PM |
| E-B | $50.00 | $50.00 | 11/12/2010 2:55:40 AM |
| cash-tent | $30.00 | $30.00 | 11/11/2010 10:56:55 PM |
| wonder3 | $25.00 | $25.00 | 11/12/2010 5:58:28 AM |
| favorite-commerce | $50.00 | $50.00 | 11/12/2010 7:30:58 AM |
| social-zebra | $28.00 | $28.00 | 11/12/2010 8:21:52 AM |
| smear87 | $25.00 | $25.00 | 11/12/2010 9:19:24 AM |
| Bullish | $25.00 | $25.00 | 11/12/2010 9:19:47 AM |
| umfan123 | $25.00 | $25.00 | 11/12/2010 9:20:10 AM |
| basis-image | $40.00 | $40.00 | 11/12/2010 9:54:11 AM |
| paradisenow | $25.00 | $25.00 | 11/12/2010 10:40:54 AM |
| octoberfresh | $25.00 | $25.00 | 11/12/2010 10:53:51 AM |
| heerzaquestion | $25.00 | $25.00 | 11/12/2010 12:43:06 PM |
| ethicalhumanist | $50.00 | $50.00 | 11/12/2010 1:50:00 PM |
| heerzaquestion | $50.00 | $50.00 | 11/12/2010 1:06:25 PM |
| principal-star | $25.00 | $25.00 | 11/12/2010 1:11:56 PM |
| moola-monger9 | $50.00 | $50.00 | 11/12/2010 1:56:46 PM |
| grampy48 | $30.00 | $30.00 | 11/12/2010 1:58:36 PM |
| wlm3012 | $25.00 | $25.00 | 11/12/2010 2:30:36 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/5/2010 3:35:13 PM |
| radiant-loan5 | $200.00 | $200.00 | 11/5/2010 3:38:28 PM |
| velocity-solo | $25.00 | $25.00 | 11/5/2010 3:31:10 PM |
| Thylow | $100.00 | $100.00 | 11/6/2010 3:21:41 PM |
| Artist_Blue | $25.00 | $25.00 | 11/6/2010 5:48:49 PM |
| HHP | $25.00 | $25.00 | 11/6/2010 8:48:49 PM |
| frogperson | $250.00 | $250.00 | 11/6/2010 8:59:36 PM |
| kulender | $50.00 | $50.00 | 11/7/2010 9:09:21 AM |
| tech310 | $25.00 | $25.00 | 11/7/2010 9:53:04 AM |
| forthright-dedication | $43.40 | $43.40 | 11/8/2010 6:50:59 AM |
| loyalist1 | $50.00 | $50.00 | 11/8/2010 8:25:31 AM |
| bountiful-durability | $50.00 | $50.00 | 11/8/2010 10:21:21 AM |
| whatreality | $25.00 | $25.00 | 11/8/2010 10:26:52 AM |
| ah-long | $25.00 | $25.00 | 11/9/2010 9:37:55 PM |
| finance-prescription | $50.00 | $50.00 | 11/10/2010 8:03:49 AM |
| graceful-investment | $35.22 | $35.22 | 11/10/2010 12:07:23 PM |
| FeedTheMachine | $50.00 | $50.00 | 11/10/2010 1:48:26 PM |
| hope-eagle6 | $25.00 | $25.00 | 11/10/2010 3:28:32 PM |
| Whipster | $25.00 | $25.00 | 11/10/2010 4:02:33 PM |
| LiveNow | $25.00 | $25.00 | 11/10/2010 7:59:51 PM |
| suave-dime6 | $50.00 | $50.00 | 11/11/2010 9:52:27 AM |
| well-mannered-income3 | $25.00 | $25.00 | 11/11/2010 10:18:00 AM |
| intuitive-velocity4 | $50.00 | $50.00 | 11/11/2010 2:24:37 PM |
| reflective-rupee | $44.00 | $44.00 | 11/11/2010 2:39:23 PM |
| flwah | $25.00 | $25.00 | 11/11/2010 2:45:53 PM |
| asset-yoga6 | $100.00 | $100.00 | 11/11/2010 3:04:14 PM |
| handshake5 | $100.00 | $100.00 | 11/11/2010 3:06:12 PM |
| dthompso | $50.00 | $50.00 | 11/11/2010 3:03:34 PM |
| honorable-yield | $25.00 | $25.00 | 11/11/2010 3:05:08 PM |
| consummate-loyalty1 | $50.00 | $50.00 | 11/11/2010 3:05:26 PM |
| natural-greenback6 | $25.00 | $25.00 | 11/11/2010 3:06:54 PM |
| worthy-bid8 | $25.00 | $25.00 | 11/11/2010 3:05:12 PM |
| noble-revenue | $92.69 | $92.69 | 11/11/2010 3:06:37 PM |
| euro-flower | $50.00 | $33.18 | 11/11/2010 3:48:16 PM |
| loss-of-control | $50.00 | $50.00 | 11/11/2010 5:10:38 PM |
| bold-attentive-listing | $25.00 | $25.00 | 11/11/2010 6:44:57 PM |
| phaded | $25.00 | $25.00 | 11/11/2010 7:30:10 PM |
| exchange-dreams | $25.00 | $25.00 | 11/11/2010 8:17:21 PM |
| greenback-guard | $25.00 | $25.00 | 11/12/2010 7:24:15 AM |
| squarebob | $25.00 | $25.00 | 11/12/2010 7:40:32 AM |
| squarebob | $25.00 | $25.00 | 11/12/2010 7:40:48 AM |
| mckhbnpc | $30.00 | $30.00 | 11/12/2010 8:28:34 AM |
| calbertrand | $25.00 | $25.00 | 11/12/2010 10:39:52 AM |
| Gobsek | $25.00 | $25.00 | 11/12/2010 11:38:59 AM |
| houli123 | $500.00 | $500.00 | 11/12/2010 11:18:01 AM |
| 1stBankAndHal | $25.05 | $25.05 | 11/12/2010 12:40:10 PM |
| Bob450 | $25.00 | $25.00 | 11/12/2010 12:06:13 PM |
| 99 bids
|
Borrower Payment Dependent Notes Series
484265
This series of Notes was issued and sold upon the funding of the borrower loan #45763, 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-15-2010 |
| |
Auction end date:
| Nov-22-2010 |
|
|
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):
| 5 |
First credit line:
| Apr-1985 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
17 | Length of status: | 10y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $44,708 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| finance-observatory9 |
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
Unexpected car repairs and dental w
Purpose of loan:
This loan will be used to? unexpected car repairs and dental work
My financial situation:
I am a good candidate for this loan because? I always pay my bills on time
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 very high revolving debt utilization. Thanks and best wishes. - reflective-rupee
A:
Just many unexpected things happened
(Nov-15-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| money-bauble | $25.00 | $25.00 | 11/15/2010 3:11:12 PM |
| simplelender80 | $100.00 | $100.00 | 11/15/2010 3:36:09 PM |
| reflective-rupee | $44.00 | $44.00 | 11/15/2010 3:37:43 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/15/2010 3:39:39 PM |
| bid-czar8 | $50.00 | $50.00 | 11/15/2010 3:32:17 PM |
| Comoparklender | $25.00 | $25.00 | 11/15/2010 3:33:59 PM |
| graceful-investment | $100.00 | $100.00 | 11/15/2010 3:57:48 PM |
| finance-mushroom | $27.33 | $27.33 | 11/15/2010 4:40:43 PM |
| 6moonbeams | $50.00 | $50.00 | 11/16/2010 8:57:52 AM |
| orderly-leverage | $71.42 | $71.42 | 11/16/2010 8:58:56 AM |
| 108lender | $75.00 | $75.00 | 11/16/2010 9:46:12 AM |
| ingenious-deal6 | $25.00 | $25.00 | 11/16/2010 2:59:37 PM |
| raisingophelia | $25.00 | $25.00 | 11/16/2010 3:54:51 PM |
| danthemon35 | $25.00 | $25.00 | 11/17/2010 1:28:17 AM |
| payment-gusto | $25.00 | $25.00 | 11/17/2010 10:34:31 AM |
| vine99 | $65.00 | $65.00 | 11/18/2010 5:13:13 PM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/18/2010 5:40:35 PM |
| finance-prescription | $50.00 | $50.00 | 11/18/2010 5:41:23 PM |
| investment-comet | $25.00 | $25.00 | 11/18/2010 8:16:01 PM |
| rhin0cerx | $33.63 | $33.63 | 11/19/2010 10:04:49 AM |
| mercuriant | $25.00 | $25.00 | 11/19/2010 1:41:55 PM |
| inspiring-reward | $100.00 | $100.00 | 11/19/2010 2:59:44 PM |
| intuitive-velocity4 | $50.00 | $50.00 | 11/19/2010 3:24:36 PM |
| bountiful-durability | $50.00 | $50.00 | 11/19/2010 3:31:12 PM |
| personal-lender | $25.00 | $25.00 | 11/19/2010 3:31:15 PM |
| treasure-bliss | $38.64 | $38.64 | 11/19/2010 3:27:53 PM |
| IIP77 | $25.00 | $25.00 | 11/19/2010 3:21:24 PM |
| hope-eagle6 | $25.00 | $25.00 | 11/19/2010 3:26:04 PM |
| bold-attentive-listing | $25.00 | $25.00 | 11/19/2010 3:38:59 PM |
| SCPBANK | $50.00 | $50.00 | 11/19/2010 7:55:18 PM |
| orange-preeminant-bill | $50.00 | $50.00 | 11/19/2010 8:57:42 PM |
| Whipster | $50.00 | $50.00 | 11/19/2010 7:40:43 PM |
| top-benefit-musician | $25.00 | $25.00 | 11/19/2010 7:43:00 PM |
| FASTIZIO_P | $25.00 | $25.00 | 11/20/2010 2:55:34 AM |
| mike279766 | $25.00 | $25.00 | 11/20/2010 5:13:38 AM |
| b-rent | $25.00 | $25.00 | 11/20/2010 3:54:10 AM |
| a-finance-nirvana | $25.00 | $25.00 | 11/20/2010 5:20:35 AM |
| natural-greenback6 | $25.00 | $25.00 | 11/20/2010 5:48:07 AM |
| FutureLenderEC | $25.00 | $25.00 | 11/20/2010 3:46:40 AM |
| kain11286 | $50.00 | $50.00 | 11/20/2010 3:54:03 AM |
| consummate-loyalty1 | $44.73 | $44.73 | 11/20/2010 6:53:28 AM |
| delivery | $25.00 | $25.00 | 11/20/2010 4:50:29 AM |
| Bob450 | $25.00 | $25.00 | 11/20/2010 12:05:24 PM |
| KiwiElf | $29.12 | $29.12 | 11/20/2010 2:11:52 PM |
| GElender | $50.00 | $50.00 | 11/20/2010 1:28:40 PM |
| Zingaro | $25.00 | $25.00 | 11/20/2010 1:30:00 PM |
| new-social-economist | $80.00 | $80.00 | 11/20/2010 1:25:08 PM |
| famous-hope | $25.00 | $25.00 | 11/20/2010 1:30:07 PM |
| Loan2Own | $50.00 | $50.00 | 11/21/2010 6:04:03 AM |
| PatRichi | $25.00 | $25.00 | 11/20/2010 9:12:21 PM |
| loss-of-control | $50.00 | $50.00 | 11/21/2010 2:45:59 PM |
| wonder3 | $25.00 | $25.00 | 11/21/2010 7:14:34 PM |
| happy-return4 | $50.00 | $50.00 | 11/22/2010 3:33:08 AM |
| Headhunter14 | $34.64 | $34.64 | 11/22/2010 6:42:59 AM |
| lostontheedge | $25.00 | $25.00 | 11/22/2010 10:13:14 AM |
| Sphinx9499 | $26.65 | $26.65 | 11/22/2010 9:19:14 AM |
| reflective-rupee | $100.00 | $100.00 | 11/22/2010 9:52:10 AM |
| terrific-yield6 | $25.00 | $25.00 | 11/22/2010 11:21:10 AM |
| ivy-league-MBA | $50.00 | $50.00 | 11/22/2010 11:21:23 AM |
| Cre8iveCash | $25.00 | $25.00 | 11/22/2010 11:30:21 AM |
| FadSaolAgat | $49.31 | $49.31 | 11/22/2010 11:30:29 AM |
| benjo | $50.00 | $50.00 | 11/22/2010 11:32:55 AM |
| Gibbyland | $50.00 | $32.24 | 11/22/2010 11:33:07 AM |
| piscary | $50.00 | $50.00 | 11/22/2010 11:21:12 AM |
| calm-deal7 | $25.00 | $25.00 | 11/22/2010 11:21:21 AM |
| credit-sycamore4 | $50.00 | $50.00 | 11/22/2010 11:21:43 AM |
| wise-silver-wonder | $25.00 | $25.00 | 11/22/2010 10:52:14 AM |
| logical-loyalty0 | $25.00 | $25.00 | 11/22/2010 11:21:52 AM |
| seanambrose | $25.00 | $25.00 | 11/22/2010 11:22:08 AM |
| principal-samaritan2 | $25.00 | $25.00 | 11/22/2010 11:30:19 AM |
| Medic05 | $25.00 | $25.00 | 11/22/2010 11:30:27 AM |
| dthompso | $42.11 | $42.11 | 11/22/2010 11:32:50 AM |
| incbx | $25.08 | $25.08 | 11/22/2010 11:32:58 AM |
| five-star-investment1 | $25.00 | $25.00 | 11/22/2010 11:20:45 AM |
| deadbabyseal | $25.00 | $25.00 | 11/22/2010 11:20:47 AM |
| JJ9876 | $25.00 | $25.00 | 11/22/2010 11:21:30 AM |
| maschinenbau | $25.00 | $25.00 | 11/22/2010 11:21:57 AM |
| scroooge | $25.00 | $25.00 | 11/22/2010 2:16:23 PM |
| catomaior | $50.00 | $50.00 | 11/22/2010 11:30:32 AM |
| culldud6900 | $30.00 | $30.00 | 11/22/2010 1:22:45 PM |
| moola-monger9 | $50.00 | $50.00 | 11/22/2010 1:34:57 PM |
| top-courteous-peso | $50.00 | $50.00 | 11/15/2010 3:19:45 PM |
| reflective-rupee | $44.00 | $44.00 | 11/15/2010 3:37:26 PM |
| kulender | $50.00 | $50.00 | 11/15/2010 3:46:33 PM |
| reflective-rupee | $44.00 | $44.00 | 11/15/2010 3:37:56 PM |
| velocity-solo | $25.00 | $25.00 | 11/15/2010 3:38:12 PM |
| Kaj | $25.00 | $25.00 | 11/15/2010 3:39:13 PM |
| MadHun | $50.00 | $50.00 | 11/15/2010 3:54:48 PM |
| musegaze | $100.00 | $100.00 | 11/15/2010 7:49:48 PM |
| deal-hickory5 | $50.00 | $50.00 | 11/16/2010 11:19:32 AM |
| radiant-loan5 | $200.00 | $200.00 | 11/16/2010 3:02:20 PM |
| loyalist1 | $50.00 | $50.00 | 11/17/2010 11:47:39 PM |
| jigsaw | $50.00 | $50.00 | 11/19/2010 3:31:52 PM |
| ah-long | $25.00 | $25.00 | 11/19/2010 3:36:46 PM |
| bold-attentive-listing | $25.00 | $25.00 | 11/19/2010 3:40:35 PM |
| missing-link | $42.26 | $42.26 | 11/19/2010 8:18:31 PM |
| rupee-artisan | $25.00 | $25.00 | 11/19/2010 7:48:06 PM |
| MissionMicroFinance | $25.00 | $25.00 | 11/20/2010 5:13:24 AM |
| tstaub1234 | $25.00 | $25.00 | 11/20/2010 6:32:54 AM |
| MikeyZ2008 | $100.00 | $100.00 | 11/20/2010 10:17:59 AM |
| JohnSmallberries | $25.00 | $25.00 | 11/20/2010 1:12:43 PM |
| building_community | $25.00 | $25.00 | 11/20/2010 8:07:41 AM |
| red-power-pecan | $50.00 | $50.00 | 11/20/2010 1:30:25 PM |
| asmithj | $46.61 | $46.61 | 11/20/2010 1:29:53 PM |
| Katburg | $25.00 | $25.00 | 11/20/2010 2:11:43 PM |
| ayerobbie | $50.00 | $50.00 | 11/21/2010 6:46:15 AM |
| ClaytonMoore | $100.00 | $100.00 | 11/22/2010 7:52:31 AM |
| Image68 | $25.00 | $25.00 | 11/22/2010 11:19:58 AM |
| well-mannered-income3 | $40.00 | $40.00 | 11/22/2010 10:41:51 AM |
| niono | $34.23 | $34.23 | 11/22/2010 11:30:28 AM |
| orange-dollar-guild | $25.00 | $25.00 | 11/22/2010 11:21:09 AM |
| punctual-worth | $25.00 | $25.00 | 11/22/2010 11:21:17 AM |
| treasure-generator | $25.00 | $25.00 | 11/22/2010 11:21:27 AM |
| Maetryx | $50.00 | $50.00 | 11/22/2010 11:21:44 AM |
| peterpossum | $25.00 | $25.00 | 11/22/2010 11:30:20 AM |
| simplewareinc | $50.00 | $50.00 | 11/22/2010 11:33:02 AM |
| ultimate-peace | $50.00 | $50.00 | 11/22/2010 1:29:09 PM |
| dmh4880 | $100.00 | $100.00 | 11/22/2010 11:20:59 AM |
| stoopidnoodle | $25.00 | $25.00 | 11/22/2010 11:21:11 AM |
| lagnisiruk | $25.00 | $25.00 | 11/22/2010 11:21:31 AM |
| MicroTreasury | $25.00 | $25.00 | 11/22/2010 11:21:57 AM |
| 121 bids
|
Borrower Payment Dependent Notes Series
484641
This series of Notes was issued and sold upon the funding of the borrower loan #45753, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% |
Auction start date:
| Nov-16-2010 |
| |
Auction end date:
| Nov-23-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $200.79 |
|
Final lender yield:
| 18.00% |
Final borrower rate/APR:
| 19.00% / 22.37% |
Final monthly payment:
| $183.28 |
| |
|
Auction yield range:
| 10.57% - 24.75% |
Estimated loss impact:
| 10.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.78% | | |
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-1996 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 7y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $283 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| BidD |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 44 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2010)
640-659
(Jan-2008)
540-559
(Jan-2007)
|
|
Principal balance:
| $3,169.11 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 44 | | |
Description
My loan for debt consolidation
I'm hoping to get this loan to be able to pay off my remaining credit card balance.? I make my monthly credit card payments every month, but never seem to put a dent in the balance (as credit card balances tend to go).
I have been the owner of an insurance agency in Utah since 2002.? My employment and income are very stable.? My monthly income significantly exceeds my expenses.? I have obtained 2 loans through Prosper in the past and have never been a day late on any payment.? Prosper loans have been a blessing to me when I have needed them in the past.? I have been so grateful for the help that they have provided and I sincerely appreciate any consideration you might give me.? Thank you!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 11/16/2010 4:01:22 PM |
| Aberdeen | $999.99 | $999.99 | 11/17/2010 1:18:24 AM |
| MoneyForNothing | $62.39 | $62.39 | 11/16/2010 8:06:12 PM |
| investment-artist | $25.00 | $25.00 | 11/18/2010 9:19:16 AM |
| Finchy78 | $25.00 | $25.00 | 11/18/2010 5:12:39 PM |
| setUup | $150.00 | $150.00 | 11/18/2010 5:37:27 PM |
| peregrine | $27.72 | $27.72 | 11/18/2010 8:20:06 PM |
| Nailman88 | $50.00 | $50.00 | 11/19/2010 3:48:16 AM |
| exuberant-loot | $40.00 | $40.00 | 11/21/2010 5:29:35 AM |
| forthright-loot7 | $25.00 | $25.00 | 11/21/2010 4:16:00 AM |
| Socorro_Capital_Partners | $25.00 | $25.00 | 11/21/2010 2:00:47 PM |
| Aberdeen | $999.99 | $999.99 | 11/22/2010 5:16:52 AM |
| luann199 | $50.00 | $50.00 | 11/22/2010 5:52:57 AM |
| payout-reaction740 | $25.00 | $25.00 | 11/22/2010 12:12:03 PM |
| gjm6d | $25.00 | $25.00 | 11/22/2010 5:21:53 PM |
| credit-missile | $25.00 | $25.00 | 11/22/2010 5:14:55 PM |
| thankful-nickel2 | $25.00 | $25.00 | 11/22/2010 7:45:24 PM |
| golffish2 | $100.00 | $100.00 | 11/23/2010 3:46:47 AM |
| loans_to_loan | $25.00 | $25.00 | 11/23/2010 5:13:14 AM |
| heerzaquestion | $25.00 | $25.00 | 11/23/2010 6:37:38 AM |
| Aegidius | $98.23 | $98.23 | 11/23/2010 5:24:44 AM |
| loss-of-control | $50.00 | $50.00 | 11/23/2010 11:40:09 AM |
| friendinmoney | $25.00 | $25.00 | 11/23/2010 9:34:37 AM |
| honey-money | $25.00 | $25.00 | 11/23/2010 11:25:25 AM |
| Dollars4Rent | $25.00 | $25.00 | 11/23/2010 10:49:16 AM |
| melodious-openness | $100.00 | $46.85 | 11/23/2010 2:46:45 PM |
| one-midas | $50.00 | $50.00 | 11/23/2010 2:33:49 PM |
| all_of_that_one | $33.00 | $33.00 | 11/23/2010 3:40:53 PM |
| credit-missile | $25.00 | $25.00 | 11/23/2010 3:40:27 PM |
| dough-hammock | $50.00 | $50.00 | 11/23/2010 3:41:56 PM |
| loanman2007 | $125.00 | $125.00 | 11/17/2010 5:19:35 AM |
| RedCentre | $36.83 | $36.83 | 11/17/2010 8:44:01 PM |
| golffish2 | $100.00 | $100.00 | 11/18/2010 4:21:08 AM |
| Lender-Trader | $500.00 | $500.00 | 11/18/2010 6:12:19 AM |
| FinanceEngine | $40.00 | $40.00 | 11/18/2010 9:39:48 AM |
| PersonalBnkr | $50.00 | $50.00 | 11/18/2010 6:34:47 PM |
| HammerSmith | $25.00 | $25.00 | 11/18/2010 7:28:18 PM |
| gelidfrank | $25.00 | $25.00 | 11/18/2010 10:07:56 PM |
| Jinco | $100.00 | $100.00 | 11/19/2010 11:13:50 PM |
| golffish2 | $100.00 | $100.00 | 11/22/2010 4:11:28 AM |
| penny-plato | $50.00 | $50.00 | 11/22/2010 7:09:10 AM |
| ScottCapital | $25.00 | $25.00 | 11/22/2010 4:08:53 PM |
| credit-missile | $25.00 | $25.00 | 11/22/2010 5:14:17 PM |
| credit-missile | $25.00 | $25.00 | 11/22/2010 5:15:16 PM |
| credit-missile | $25.00 | $25.00 | 11/22/2010 5:14:36 PM |
| thankful-nickel2 | $25.00 | $25.00 | 11/22/2010 7:48:25 PM |
| Crom | $60.00 | $60.00 | 11/22/2010 5:44:44 PM |
| DoctorJoe | $25.00 | $25.00 | 11/23/2010 3:54:28 AM |
| samurai2 | $30.00 | $30.00 | 11/22/2010 6:23:29 PM |
| lendstats_com | $200.00 | $200.00 | 11/22/2010 9:15:25 PM |
| GolfPro2006 | $25.00 | $25.00 | 11/23/2010 7:16:36 AM |
| Mikale360 | $25.00 | $25.00 | 11/23/2010 7:53:17 AM |
| enchanted-note | $25.00 | $25.00 | 11/23/2010 6:02:45 AM |
| leprechaun92 | $25.00 | $25.00 | 11/23/2010 12:33:39 PM |
| Astyanax | $100.00 | $100.00 | 11/23/2010 11:30:48 AM |
| maker2 | $25.00 | $25.00 | 11/23/2010 1:48:40 PM |
| 56 bids
|
Borrower Payment Dependent Notes Series
485273
This series of Notes was issued and sold upon the funding of the borrower loan #45768, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 4.95% |
Auction start date:
| Nov-22-2010 |
| |
Auction end date:
| Nov-26-2010 |
|
|
Starting lender yield:
| 12.40% |
Starting borrower rate/APR:
| 13.40% / 15.55% |
Starting monthly payment:
| $169.43 |
|
Final lender yield:
| 12.40% |
Final borrower rate/APR:
| 13.40% / 15.55% |
Final monthly payment:
| $169.43 |
| |
|
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:
| Mar-1989 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $42,800 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| silver-saver7 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Oct-2009)
|
|
Principal balance:
| $3,527.73 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Looking Forward to a New Year
Purpose of loan:
This loan will be used to consolidate some personal loans.
My financial situation:
I am a good candidate for this loan because I am a full time employee and a responsible borrower.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| organized-payment6 | $25.00 | $25.00 | 11/22/2010 10:33:52 AM |
| delicious-social132 | $50.00 | $50.00 | 11/22/2010 10:39:48 AM |
| yield-enlistment | $25.00 | $25.00 | 11/22/2010 10:45:28 AM |
| worthy-bid8 | $50.00 | $50.00 | 11/22/2010 11:05:22 AM |
| ray1051 | $50.00 | $50.00 | 11/22/2010 10:38:19 AM |
| raisingophelia | $25.00 | $25.00 | 11/22/2010 10:38:38 AM |
| AFairDeal | $50.00 | $50.00 | 11/22/2010 10:54:52 AM |
| jazzlender | $25.00 | $25.00 | 11/22/2010 10:41:40 AM |
| Ripsaw4U | $50.00 | $50.00 | 11/22/2010 11:29:22 AM |
| proper-commitment5 | $25.00 | $25.00 | 11/22/2010 10:49:39 AM |
| melodious-fairness | $50.00 | $50.00 | 11/22/2010 11:45:47 AM |
| ASR3 | $25.00 | $25.00 | 11/22/2010 10:53:47 AM |
| reflective-rupee | $200.00 | $200.00 | 11/22/2010 3:04:59 PM |
| hitsman | $100.00 | $100.00 | 11/22/2010 3:48:37 PM |
| schpere | $200.00 | $200.00 | 11/22/2010 4:33:54 PM |
| finance-mushroom | $100.00 | $100.00 | 11/22/2010 5:42:26 PM |
| vigorous-velocity | $100.00 | $100.00 | 11/22/2010 5:43:07 PM |
| objective-investor | $150.00 | $150.00 | 11/22/2010 7:00:14 PM |
| icchok | $50.00 | $50.00 | 11/22/2010 7:02:31 PM |
| danthemon35 | $25.00 | $25.00 | 11/22/2010 5:31:13 PM |
| riproaringrapids | $25.00 | $25.00 | 11/22/2010 6:59:49 PM |
| colospgs | $25.00 | $25.00 | 11/23/2010 2:54:20 AM |
| kublai | $25.00 | $25.00 | 11/23/2010 7:40:07 AM |
| teller | $50.00 | $50.00 | 11/23/2010 7:15:41 AM |
| melodious-fairness | $50.00 | $50.00 | 11/23/2010 9:32:26 AM |
| handshake5 | $74.76 | $74.76 | 11/23/2010 10:13:44 AM |
| agwosdof | $100.00 | $100.00 | 11/23/2010 11:33:08 AM |
| the-profit-oracle | $25.00 | $25.00 | 11/23/2010 10:42:30 AM |
| paymentologist | $25.00 | $25.00 | 11/23/2010 12:51:54 PM |
| kchen486 | $50.00 | $50.00 | 11/23/2010 11:53:22 AM |
| graceful-investment | $25.00 | $25.00 | 11/23/2010 4:31:35 PM |
| jjswanso | $50.00 | $50.00 | 11/24/2010 6:03:46 AM |
| stolirocks01 | $50.00 | $50.00 | 11/24/2010 6:09:59 AM |
| ahansen | $25.00 | $25.00 | 11/24/2010 7:39:21 AM |
| community-pipeline8 | $25.00 | $25.00 | 11/24/2010 8:49:50 AM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:51:59 AM |
| MedLend | $50.00 | $50.00 | 11/24/2010 12:08:57 PM |
| srspank24 | $50.00 | $50.00 | 11/24/2010 4:10:37 PM |
| 108lender | $115.71 | $115.71 | 11/24/2010 7:53:17 PM |
| Rick21 | $50.00 | $50.00 | 11/25/2010 12:22:59 PM |
| loyalist1 | $100.00 | $100.00 | 11/25/2010 8:47:47 AM |
| all_of_that_one | $35.00 | $35.00 | 11/25/2010 10:12:17 AM |
| harperpotok | $50.00 | $50.00 | 11/25/2010 2:40:34 PM |
| angelinvestor2 | $31.07 | $31.07 | 11/25/2010 2:40:19 PM |
| adam_rodgers | $25.00 | $25.00 | 11/25/2010 4:52:20 PM |
| upright-commitment5 | $25.00 | $25.00 | 11/25/2010 2:40:35 PM |
| Millertime_496 | $25.00 | $25.00 | 11/26/2010 12:10:51 AM |
| availableloan | $25.00 | $25.00 | 11/26/2010 12:19:40 AM |
| velocity-solo | $25.00 | $25.00 | 11/25/2010 3:53:57 PM |
| bid-czar8 | $100.00 | $100.00 | 11/22/2010 10:40:09 AM |
| nickel-ferret | $50.00 | $50.00 | 11/22/2010 10:34:19 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/22/2010 10:46:54 AM |
| ichibon | $150.00 | $150.00 | 11/22/2010 10:41:05 AM |
| investment-comet | $25.00 | $25.00 | 11/22/2010 10:44:14 AM |
| indomitable-coin | $50.00 | $50.00 | 11/22/2010 10:34:57 AM |
| tech310 | $50.00 | $50.00 | 11/22/2010 10:46:19 AM |
| finance_mba | $25.00 | $25.00 | 11/22/2010 10:35:23 AM |
| skuba | $25.00 | $25.00 | 11/22/2010 11:04:52 AM |
| hopeful-truth5 | $100.00 | $100.00 | 11/22/2010 11:44:37 AM |
| simplelender80 | $250.00 | $250.00 | 11/22/2010 11:26:33 AM |
| enthralling-deal180 | $50.00 | $50.00 | 11/22/2010 11:27:02 AM |
| dunox | $50.00 | $50.00 | 11/22/2010 11:35:21 AM |
| GElender | $100.00 | $100.00 | 11/22/2010 11:45:03 AM |
| heerzaquestion | $100.00 | $100.00 | 11/22/2010 3:34:54 PM |
| Artist_Blue | $25.00 | $25.00 | 11/22/2010 5:21:09 PM |
| RandyL3 | $25.00 | $25.00 | 11/22/2010 5:22:36 PM |
| powerful-finance7 | $25.00 | $25.00 | 11/22/2010 6:44:04 PM |
| authentic-liberty7 | $50.00 | $50.00 | 11/22/2010 7:02:18 PM |
| jdwillcox | $100.00 | $100.00 | 11/22/2010 7:02:51 PM |
| JustMee | $25.00 | $25.00 | 11/22/2010 5:52:57 PM |
| money-bauble | $100.00 | $100.00 | 11/23/2010 3:57:26 AM |
| kulender | $50.00 | $50.00 | 11/23/2010 3:02:36 AM |
| worldly-community3 | $50.00 | $50.00 | 11/23/2010 10:41:06 AM |
| understanding-affluence5 | $30.00 | $30.00 | 11/23/2010 9:44:43 AM |
| Pulchritudinous | $25.00 | $25.00 | 11/23/2010 11:55:22 AM |
| careful-note | $100.00 | $100.00 | 11/23/2010 8:23:06 PM |
| Steveoo1 | $25.00 | $25.00 | 11/23/2010 4:47:19 PM |
| payout-reaction740 | $25.00 | $25.00 | 11/24/2010 6:08:44 AM |
| benefit-piano5 | $25.00 | $25.00 | 11/23/2010 8:48:45 PM |
| orderly-leverage | $44.56 | $44.56 | 11/24/2010 2:10:06 AM |
| Sol_Invictus | $25.00 | $25.00 | 11/24/2010 4:50:13 AM |
| uncleubb | $25.00 | $25.00 | 11/24/2010 10:02:14 AM |
| bazaar-festivity | $25.00 | $25.00 | 11/24/2010 11:25:59 AM |
| urbane-dollar4 | $45.15 | $45.15 | 11/24/2010 1:49:19 PM |
| Madmigel | $59.21 | $59.21 | 11/24/2010 11:00:13 AM |
| Webpreneur | $50.00 | $50.00 | 11/25/2010 2:25:52 AM |
| responsibility-butterfly | $25.00 | $25.00 | 11/25/2010 2:39:07 PM |
| MarinLoans | $25.00 | $25.00 | 11/25/2010 2:40:00 PM |
| 4est | $25.00 | $25.00 | 11/25/2010 2:40:14 PM |
| stuy1998 | $25.00 | $14.54 | 11/25/2010 5:57:49 PM |
| Tlk2drew | $50.00 | $50.00 | 11/25/2010 8:28:11 PM |
| missing-link | $50.00 | $50.00 | 11/25/2010 2:43:52 PM |
| 92 bids
|
Borrower Payment Dependent Notes Series
485283
This series of Notes was issued and sold upon the funding of the borrower loan #45760, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,800.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.50% |
Auction start date:
| Nov-22-2010 |
| |
Auction end date:
| Nov-29-2010 |
|
|
Starting lender yield:
| 9.95% |
Starting borrower rate/APR:
| 10.95% / 13.07% |
Starting monthly payment:
| $189.75 |
|
Final lender yield:
| 9.95% |
Final borrower rate/APR:
| 10.95% / 13.07% |
Final monthly payment:
| $189.75 |
| |
|
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:
| Nov-2000 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 760-779 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,599 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| subtle-trade6 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
On the road to freedom...card-free!
Purpose of loan:
I made a real beginner mistake and paid for my wedding this summer mostly with my credit cards, both of which have fairly high rates because of late payments years ago. Now I'm spending as much paying CC bills each month as I am on housing. If I can get a loan to pay off the cards, the lower monthly payment will give me the breathing room I need to start saving again.
My financial situation:
I am a good candidate for this loan because I have a stable, relatively high-paying job. I have never missed a payment on anything, and I'm not planning to start! I have good credit, as you can see. Now that I am married, my husband's income will help us cover incidentals, and I can concentrate on getting out of debt and putting money away so this doesn't happen again. This loan would be the leg-up I need to start on the road to owning a home someday.
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 provide bidders a chance to make an intelligent bid by provide your monthly NET income and all your monthly expenses. - jpblan11
A:
In round numbers, my monthly income after taxes is $2200. Not counting the credit card payments the loan will be eliminating, my recurring monthly expenses break down to approximately $650 in rent and other bills, plus $400-$500 in food, entertainment, shopping and incidentals. The thing that varies most for me is gasoline consumption. I live in an isolated area, and I spend anywhere from $200-$400 on gas every month, depending on how much traveling I have to do.
(Nov-26-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| nickel-ferret | $50.00 | $50.00 | 11/22/2010 10:34:21 AM |
| myworld701 | $25.00 | $25.00 | 11/22/2010 10:43:01 AM |
| indomitable-coin | $50.00 | $50.00 | 11/22/2010 10:34:57 AM |
| organized-payment6 | $50.00 | $50.00 | 11/22/2010 10:40:18 AM |
| ichibon | $150.00 | $150.00 | 11/22/2010 10:41:08 AM |
| skuba | $25.00 | $25.00 | 11/22/2010 11:04:54 AM |
| ray1051 | $75.00 | $75.00 | 11/22/2010 10:39:06 AM |
| delicious-social132 | $50.00 | $50.00 | 11/22/2010 10:39:49 AM |
| bid-czar8 | $100.00 | $100.00 | 11/22/2010 10:40:10 AM |
| rollerblader | $26.00 | $26.00 | 11/22/2010 1:31:30 PM |
| JGONZ13850 | $25.00 | $25.00 | 11/22/2010 9:36:19 PM |
| socal-lender | $25.00 | $25.00 | 11/22/2010 10:37:44 PM |
| dreamhope | $25.00 | $25.00 | 11/23/2010 7:31:33 AM |
| melodious-fairness | $50.00 | $50.00 | 11/23/2010 9:33:12 AM |
| hollywood_muneca | $54.41 | $54.41 | 11/23/2010 11:35:09 AM |
| Brown98 | $50.00 | $50.00 | 11/23/2010 11:28:15 AM |
| penny-finder | $48.87 | $48.87 | 11/23/2010 12:51:56 PM |
| circustab | $50.00 | $50.00 | 11/23/2010 12:01:51 PM |
| doublediamond | $25.00 | $25.00 | 11/23/2010 7:57:47 PM |
| RPR | $50.00 | $50.00 | 11/24/2010 12:04:32 AM |
| GREATDEALS | $50.00 | $50.00 | 11/24/2010 9:42:41 AM |
| gator76 | $75.00 | $75.00 | 11/24/2010 9:20:59 AM |
| ujiba | $50.00 | $50.00 | 11/24/2010 10:06:05 AM |
| friendly-helper100 | $50.00 | $50.00 | 11/24/2010 11:30:29 AM |
| rider350 | $100.00 | $100.00 | 11/24/2010 12:10:35 PM |
| Nazbuster | $50.00 | $50.00 | 11/24/2010 12:22:08 PM |
| DonTraveler99 | $25.00 | $25.00 | 11/24/2010 5:03:34 PM |
| wwwUniversal | $25.00 | $25.00 | 11/25/2010 1:20:42 AM |
| ahansen | $60.00 | $60.00 | 11/25/2010 2:06:31 AM |
| Havnfun | $25.00 | $25.00 | 11/25/2010 10:59:08 AM |
| Bieling | $25.00 | $25.00 | 11/25/2010 9:21:29 AM |
| Minotaur | $25.00 | $25.00 | 11/25/2010 7:25:27 PM |
| WealthBuildingLessons | $25.00 | $25.00 | 11/26/2010 12:27:50 AM |
| isfahanian | $25.00 | $25.00 | 11/26/2010 12:40:46 AM |
| Simply2fly | $25.00 | $25.00 | 11/26/2010 8:26:03 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:08:42 AM |
| patriot897 | $25.00 | $25.00 | 11/26/2010 10:24:54 AM |
| benefit-trident | $25.00 | $25.00 | 11/26/2010 12:18:43 PM |
| newest-bountiful-basis | $25.00 | $25.00 | 11/26/2010 11:43:07 AM |
| TJ-Financial-Group | $32.00 | $32.00 | 11/26/2010 11:16:55 AM |
| Whitewater_Loans | $50.00 | $50.00 | 11/26/2010 1:16:43 PM |
| antaum | $25.00 | $25.00 | 11/26/2010 2:07:56 PM |
| heerzaquestion | $25.00 | $25.00 | 11/26/2010 2:28:00 PM |
| Loan_Some_Money | $25.00 | $25.00 | 11/26/2010 4:10:38 PM |
| p2ploan-sensation211 | $50.00 | $50.00 | 11/26/2010 3:24:38 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 9:24:24 PM |
| capital-star5 | $27.00 | $27.00 | 11/26/2010 10:27:59 PM |
| kmcolo | $25.00 | $25.00 | 11/27/2010 2:13:55 PM |
| orbital-return316 | $25.00 | $25.00 | 11/27/2010 2:33:07 PM |
| grasscutter | $50.00 | $50.00 | 11/27/2010 10:56:43 AM |
| stuy1998 | $30.00 | $30.00 | 11/27/2010 8:35:53 PM |
| RIVERHTS | $50.00 | $50.00 | 11/27/2010 4:17:50 PM |
| priceless-cash5 | $25.00 | $25.00 | 11/28/2010 6:02:23 AM |
| Nicedad72 | $25.00 | $25.00 | 11/28/2010 12:01:45 PM |
| Charmart | $25.00 | $25.00 | 11/29/2010 2:35:44 AM |
| bowl800 | $25.00 | $25.00 | 11/28/2010 6:13:31 PM |
| outofoffice | $50.00 | $50.00 | 11/29/2010 9:00:52 AM |
| rdrloan | $50.00 | $50.00 | 11/29/2010 9:04:15 AM |
| nimble-nickel | $50.00 | $50.00 | 11/29/2010 9:04:28 AM |
| trustworthy-finance6 | $150.00 | $150.00 | 11/29/2010 9:17:24 AM |
| ezhik00 | $25.00 | $25.00 | 11/29/2010 9:42:08 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 11/22/2010 10:37:40 AM |
| investment-comet | $25.00 | $25.00 | 11/22/2010 10:44:15 AM |
| tech310 | $50.00 | $50.00 | 11/22/2010 10:46:20 AM |
| finance_mba | $25.00 | $25.00 | 11/22/2010 10:35:24 AM |
| proper-commitment5 | $25.00 | $25.00 | 11/22/2010 10:49:41 AM |
| raisingophelia | $25.00 | $25.00 | 11/22/2010 10:38:38 AM |
| AFairDeal | $50.00 | $50.00 | 11/22/2010 10:54:53 AM |
| jazzlender | $25.00 | $25.00 | 11/22/2010 10:41:41 AM |
| ASR3 | $25.00 | $25.00 | 11/22/2010 10:53:48 AM |
| yield-enlistment | $25.00 | $25.00 | 11/22/2010 10:45:31 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/22/2010 10:46:55 AM |
| worthy-bid8 | $50.00 | $50.00 | 11/22/2010 11:05:23 AM |
| hopeful-truth5 | $100.00 | $100.00 | 11/22/2010 11:44:41 AM |
| simplelender80 | $250.00 | $202.45 | 11/22/2010 11:26:33 AM |
| Haribelle | $25.00 | $25.00 | 11/22/2010 12:52:40 PM |
| retiresecure | $25.00 | $25.00 | 11/22/2010 4:05:36 PM |
| toocautious | $25.00 | $25.00 | 11/22/2010 4:15:53 PM |
| El_Profesional | $25.00 | $25.00 | 11/22/2010 1:09:28 PM |
| penny-plato | $25.00 | $25.00 | 11/22/2010 3:22:20 PM |
| ingenious-truth0 | $95.00 | $95.00 | 11/22/2010 8:45:56 PM |
| Bio-physicist | $25.00 | $25.00 | 11/22/2010 8:53:30 PM |
| first-serene-credit | $25.00 | $25.00 | 11/22/2010 10:31:26 PM |
| SCD | $25.00 | $25.00 | 11/22/2010 5:51:40 PM |
| credit-birch | $60.00 | $60.00 | 11/22/2010 10:13:21 PM |
| RandyL3 | $25.00 | $25.00 | 11/22/2010 7:00:00 PM |
| Planecourage | $25.00 | $25.00 | 11/23/2010 9:55:21 AM |
| bicyclist2270 | $50.00 | $50.00 | 11/23/2010 7:46:59 PM |
| wild_carrot | $25.00 | $25.00 | 11/23/2010 8:28:00 PM |
| credit-panda1 | $30.00 | $30.00 | 11/24/2010 10:15:20 AM |
| zippy-revenue8 | $25.00 | $25.00 | 11/24/2010 10:54:59 AM |
| blissful-dedication3 | $25.00 | $25.00 | 11/24/2010 11:22:06 AM |
| Oak-Parker | $25.00 | $25.00 | 11/24/2010 11:50:03 AM |
| DalCowboys | $25.00 | $25.00 | 11/24/2010 2:55:16 PM |
| auction-workhorse679 | $25.00 | $25.00 | 11/24/2010 2:45:33 PM |
| scappellee | $25.00 | $25.00 | 11/24/2010 7:55:05 PM |
| cognizant-responsibility9 | $25.00 | $25.00 | 11/24/2010 7:18:29 PM |
| established-hope5 | $25.00 | $25.00 | 11/25/2010 6:11:47 AM |
| newest-funds-powerplant | $50.00 | $50.00 | 11/25/2010 2:20:12 PM |
| Gettinricher | $25.00 | $25.00 | 11/25/2010 9:31:31 AM |
| jms1983 | $25.00 | $25.00 | 11/25/2010 3:45:07 PM |
| isfahanian | $33.80 | $33.80 | 11/26/2010 1:03:10 AM |
| availableloan | $25.00 | $25.00 | 11/25/2010 3:52:17 PM |
| isfahanian | $35.00 | $35.00 | 11/26/2010 12:50:16 AM |
| Ploutos | $52.74 | $52.74 | 11/26/2010 5:31:10 AM |
| theloanfiller | $25.00 | $25.00 | 11/26/2010 6:12:51 AM |
| erowis | $30.00 | $30.00 | 11/26/2010 7:12:32 AM |
| investment-artist | $25.00 | $25.00 | 11/26/2010 8:16:43 AM |
| ORteacher | $65.00 | $65.00 | 11/26/2010 10:39:05 AM |
| ToloUSN | $50.00 | $50.00 | 11/26/2010 10:46:22 AM |
| zenchef | $36.32 | $36.32 | 11/26/2010 10:51:10 AM |
| bds9646 | $100.00 | $100.00 | 11/26/2010 11:53:16 AM |
| khamen | $25.00 | $25.00 | 11/26/2010 11:33:01 AM |
| quantumwellguy | $50.00 | $50.00 | 11/26/2010 12:00:34 PM |
| BigSurf | $27.00 | $27.00 | 11/26/2010 12:43:42 PM |
| adir1 | $25.00 | $25.00 | 11/26/2010 1:06:34 PM |
| vutah | $25.00 | $25.00 | 11/26/2010 4:38:55 PM |
| mspiggybank | $150.00 | $150.00 | 11/26/2010 6:43:56 PM |
| ManhattanLender | $25.00 | $25.00 | 11/26/2010 6:05:37 PM |
| poetic-economy | $80.00 | $80.00 | 11/26/2010 7:38:27 PM |
| truenorth5 | $25.00 | $25.00 | 11/26/2010 7:38:43 PM |
| TakeCare | $50.00 | $50.00 | 11/26/2010 6:57:55 PM |
| market-network | $25.00 | $25.00 | 11/26/2010 9:13:34 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 9:24:01 PM |
| credit-bearer959 | $25.00 | $25.00 | 11/27/2010 12:51:33 AM |
| balance-chestnut | $53.74 | $53.74 | 11/27/2010 9:53:19 AM |
| power-comet4 | $25.00 | $25.00 | 11/27/2010 12:38:51 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 11/27/2010 8:33:12 AM |
| invincible-peso | $100.00 | $100.00 | 11/28/2010 7:17:43 AM |
| crafty | $25.00 | $25.00 | 11/28/2010 7:43:35 AM |
| QsDad | $25.00 | $25.00 | 11/28/2010 1:37:24 PM |
| grotheik | $25.00 | $25.00 | 11/28/2010 1:48:53 PM |
| all_of_that_one | $33.00 | $33.00 | 11/28/2010 7:52:40 AM |
| j2ee | $25.00 | $25.00 | 11/28/2010 1:38:27 PM |
| Astyanax | $50.00 | $50.00 | 11/28/2010 11:01:18 PM |
| wojo | $30.00 | $30.00 | 11/29/2010 7:09:11 AM |
| Finchy78 | $25.00 | $25.00 | 11/28/2010 5:14:53 PM |
| singletrck | $25.00 | $25.00 | 11/29/2010 7:55:28 AM |
| dft1153 | $50.00 | $50.00 | 11/28/2010 9:01:19 PM |
| SnakeV | $25.00 | $25.00 | 11/29/2010 9:36:11 AM |
| sanych | $25.00 | $25.00 | 11/29/2010 9:26:29 AM |
| cedar_rose | $50.00 | $50.00 | 11/29/2010 7:48:16 AM |
| SomebodysMom | $57.67 | $57.67 | 11/29/2010 9:09:17 AM |
| 143 bids
|
Borrower Payment Dependent Notes Series
485375
This series of Notes was issued and sold upon the funding of the borrower loan #45695, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% |
Auction start date:
| Nov-23-2010 |
| |
Auction end date:
| Nov-30-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $294.03 |
|
Final lender yield:
| 32.00% |
Final borrower rate/APR:
| 33.00% / 36.68% |
Final monthly payment:
| $286.72 |
| |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 25.88% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.12% | | |
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:
| Oct-1993 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
6 | Length of status: | 3y 9m |
|
Amount delinquent:
| $3,411 |
Total credit lines:
| 51 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,705 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tygres428 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2010)
660-679
(Aug-2009)
680-699
(May-2008)
|
|
Principal balance:
| $3,544.30 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
2nd Prosper Loan - Debt Reduction
This loan will be used to?reduce monthly and overall debt.
I am a good candidate for this loan and?you will be paid.? The $300 is already included in our monthly budget.?I have?a good paying job and?a Prosper Loan that has always been paid on time and is almost paid off. This loan will remove the delinquency and save?us money.?Thank you in advance for taking the time to?consider me for a loan.?
Monthly net income: $?6680?+ $1900 (husband)
Monthly expenses:?$5695??
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| UCLA4life | $25.00 | $25.00 | 11/24/2010 1:28:35 AM |
| reflective-rupee | $1,000.00 | $1,000.00 | 11/24/2010 10:10:26 AM |
| SolarMoonshine | $100.00 | $100.00 | 11/26/2010 6:08:28 PM |
| red-favorable-basis | $25.00 | $25.00 | 11/26/2010 7:09:12 PM |
| gold-cluster | $100.00 | $100.00 | 11/26/2010 7:55:56 PM |
| loanman2007 | $200.00 | $200.00 | 11/27/2010 7:02:42 AM |
| five-star-note | $250.00 | $250.00 | 11/27/2010 10:41:02 AM |
| travels536 | $25.00 | $25.00 | 11/28/2010 7:00:30 AM |
| helping-out | $30.00 | $30.00 | 11/28/2010 8:07:26 AM |
| genuine-integrity0 | $25.00 | $25.00 | 11/29/2010 9:55:59 AM |
| dough-rocket | $45.00 | $45.00 | 11/29/2010 11:24:55 AM |
| fairness-atmosphere | $25.00 | $25.00 | 11/29/2010 11:15:35 AM |
| Tono | $30.00 | $30.00 | 11/29/2010 1:18:30 PM |
| WeshaTheLeopard | $25.82 | $25.82 | 11/29/2010 1:50:13 PM |
| 1st_Prosper_Lender | $25.00 | $25.00 | 11/29/2010 6:10:05 PM |
| pposFUNDing | $25.00 | $25.00 | 11/29/2010 8:51:54 PM |
| principal-laser | $35.88 | $35.88 | 11/30/2010 5:05:22 AM |
| gizmo65 | $31.92 | $31.92 | 11/30/2010 4:11:13 AM |
| BlessedEveryDay | $25.00 | $25.00 | 11/30/2010 6:36:20 AM |
| Bob450 | $30.00 | $30.00 | 11/30/2010 7:38:02 AM |
| Phatt-Daddy | $25.00 | $25.00 | 11/30/2010 7:45:45 AM |
| Leshan | $100.00 | $100.00 | 11/30/2010 8:10:33 AM |
| credit-missile | $25.00 | $25.00 | 11/30/2010 8:24:12 AM |
| DenimCapital | $76.53 | $76.53 | 11/30/2010 8:08:38 AM |
| credit-missile | $27.69 | $27.69 | 11/30/2010 9:28:04 AM |
| gshx2 | $25.00 | $25.00 | 11/30/2010 8:33:10 AM |
| minnesotafinancial | $25.00 | $25.00 | 11/30/2010 11:33:41 AM |
| farchoir | $25.00 | $25.00 | 11/30/2010 12:06:38 PM |
| vigilance-searcher | $25.00 | $25.00 | 11/30/2010 10:05:03 AM |
| ultimate-peace | $50.00 | $50.00 | 11/30/2010 1:37:43 PM |
| JauaFlash | $25.00 | $25.00 | 11/30/2010 1:18:06 PM |
| corporatejim | $25.31 | $25.31 | 11/30/2010 1:25:53 PM |
| OLYVRC | $100.00 | $100.00 | 11/30/2010 2:23:32 PM |
| ZOOOM | $28.49 | $28.49 | 11/30/2010 1:42:37 PM |
| PrincessGrace33 | $120.00 | $120.00 | 11/30/2010 2:38:01 PM |
| aquistoyraul | $25.00 | $25.00 | 11/30/2010 2:38:41 PM |
| Land_on_your_feet | $25.00 | $25.00 | 11/30/2010 2:06:12 PM |
| loan-kung-fu | $400.00 | $123.67 | 11/30/2010 2:37:31 PM |
| alexgalt | $50.00 | $50.00 | 11/26/2010 12:50:02 PM |
| Amber_Stone | $1,439.49 | $1,439.49 | 11/26/2010 6:23:55 PM |
| Kash2010lu | $50.00 | $50.00 | 11/26/2010 10:39:11 PM |
| blitzen40 | $40.00 | $40.00 | 11/27/2010 11:02:06 AM |
| return-grizzly | $100.00 | $100.00 | 11/27/2010 4:55:11 PM |
| alexgalt | $100.00 | $100.00 | 11/27/2010 9:42:45 PM |
| wyogirllender | $25.00 | $25.00 | 11/28/2010 8:39:56 AM |
| DenimCapital | $345.36 | $345.36 | 11/29/2010 7:44:40 AM |
| mikeandcat | $150.00 | $150.00 | 11/29/2010 8:47:43 AM |
| kc8fot | $50.00 | $50.00 | 11/29/2010 12:39:14 PM |
| note-mad-scientist | $52.38 | $52.38 | 11/29/2010 11:08:02 AM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:28:37 PM |
| gothampark | $25.00 | $25.00 | 11/29/2010 8:05:19 PM |
| jhouman | $25.00 | $25.00 | 11/30/2010 1:58:32 AM |
| SkinnyFish | $25.00 | $25.00 | 11/29/2010 4:48:40 PM |
| lender12345 | $25.00 | $25.00 | 11/29/2010 8:51:35 PM |
| american-investor | $44.12 | $44.12 | 11/30/2010 5:22:07 AM |
| restless-dime | $25.00 | $25.00 | 11/30/2010 3:21:51 AM |
| jbloans | $25.00 | $25.00 | 11/29/2010 9:28:23 PM |
| ronin4sale | $25.00 | $25.00 | 11/30/2010 5:34:42 AM |
| nerlands | $25.00 | $25.00 | 11/30/2010 1:32:36 AM |
| gristle_mcthornbody | $25.00 | $25.00 | 11/30/2010 6:27:48 AM |
| realtormoises | $25.00 | $25.00 | 11/30/2010 7:01:37 AM |
| bonus-quark4 | $25.00 | $25.00 | 11/30/2010 7:19:18 AM |
| credit-missile | $25.00 | $25.00 | 11/30/2010 8:23:37 AM |
| Steffy1976 | $25.18 | $25.18 | 11/30/2010 7:22:34 AM |
| peaceful-farmer | $25.00 | $25.00 | 11/30/2010 8:48:02 AM |
| Moe87 | $39.91 | $39.91 | 11/30/2010 3:42:24 AM |
| Champion_Lending | $25.00 | $25.00 | 11/30/2010 8:28:54 AM |
| B2152 | $25.00 | $25.00 | 11/30/2010 4:45:03 AM |
| averagefore | $25.00 | $25.00 | 11/30/2010 6:25:16 AM |
| djkaiser | $26.00 | $26.00 | 11/30/2010 10:36:23 AM |
| lucrative-coin | $72.73 | $72.73 | 11/30/2010 11:09:42 AM |
| dynamic-platinum | $50.00 | $50.00 | 11/30/2010 11:56:30 AM |
| Isotope | $25.00 | $25.00 | 11/30/2010 11:45:53 AM |
| unger | $200.00 | $200.00 | 11/30/2010 9:41:29 AM |
| nextar | $34.52 | $34.52 | 11/30/2010 2:00:06 PM |
| mikeandcat | $100.00 | $100.00 | 11/30/2010 11:38:42 AM |
| taco798 | $25.00 | $25.00 | 11/30/2010 2:11:23 PM |
| jchurchi | $25.00 | $25.00 | 11/30/2010 2:23:26 PM |
| PunjabBank | $25.00 | $25.00 | 11/30/2010 2:39:22 PM |
| 79 bids
|
Borrower Payment Dependent Notes Series
485391
This series of Notes was issued and sold upon the funding of the borrower loan #45683, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Nov-22-2010 |
| |
Auction end date:
| Nov-27-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $126.53 |
|
Final lender yield:
| 28.50% |
Final borrower rate/APR:
| 29.50% / 33.10% |
Final monthly payment:
| $126.53 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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:
| Apr-2000 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 10y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Bus Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $771 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 24 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| epic-value3 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
need a new car-mine was stolen
Purpose of loan:
This loan will be used to?
purchase a vehicle
My financial situation:i am recovering slowly from a filed and discharged bankruptcy last year 8/09 and am afraid i probably can't get financing for a while.i have high utilization on my credit cards because i was paying utilities with my cards.i recently moved from a house that i was renting that left me house poor into an apartment to save money and after being here for less than a month my car was stolen from my gated community.i don't have the necessary cash on hand to go and purchase a vehicle but i need transportation to get to work
I am a good candidate for this loan because?i am searching for short term financing for a replacement vehicle.i would like to be able to repay it within the year that's why i'm not seeking a huge amount.i do pay my current bills on time as i am trying to re-establish my credit.
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $100.00 | $100.00 | 11/22/2010 10:42:53 AM |
| money-bauble | $25.00 | $25.00 | 11/22/2010 10:50:56 AM |
| raisingophelia | $25.00 | $25.00 | 11/22/2010 11:45:17 AM |
| transaction-circuit | $50.00 | $50.00 | 11/22/2010 11:46:03 AM |
| velocity-solo | $25.00 | $25.00 | 11/22/2010 5:35:16 PM |
| musegaze | $100.00 | $100.00 | 11/22/2010 5:34:07 PM |
| building_community | $50.00 | $50.00 | 11/23/2010 7:40:41 AM |
| valiant-liberty4 | $25.00 | $25.00 | 11/23/2010 11:36:14 AM |
| 6moonbeams | $50.00 | $50.00 | 11/23/2010 4:37:25 PM |
| bazaar-festivity | $25.00 | $25.00 | 11/24/2010 11:17:35 AM |
| finance-mushroom | $100.00 | $100.00 | 11/24/2010 10:17:26 AM |
| Wellman | $25.00 | $25.00 | 11/25/2010 3:57:57 AM |
| Comoparklender | $25.00 | $25.00 | 11/24/2010 8:34:28 PM |
| gallant-economy9 | $26.72 | $26.72 | 11/25/2010 1:19:37 AM |
| income-pillow | $41.05 | $41.05 | 11/25/2010 1:20:27 AM |
| Requiem | $25.00 | $25.00 | 11/25/2010 8:29:11 AM |
| Rick21 | $25.00 | $25.00 | 11/25/2010 12:31:28 PM |
| Mariner3605 | $50.00 | $50.00 | 11/26/2010 1:52:55 AM |
| cablenews | $50.00 | $5.76 | 11/26/2010 9:02:18 AM |
| income-vault6 | $25.00 | $25.00 | 11/26/2010 9:36:49 AM |
| coin-sphinx4 | $100.00 | $100.00 | 11/26/2010 12:15:39 PM |
| hopeful-truth5 | $75.00 | $75.00 | 11/22/2010 10:47:31 AM |
| ASR3 | $25.00 | $25.00 | 11/22/2010 10:52:58 AM |
| simplelender80 | $100.00 | $100.00 | 11/22/2010 11:28:47 AM |
| bid-czar8 | $100.00 | $100.00 | 11/22/2010 2:33:45 PM |
| kulender | $50.00 | $50.00 | 11/22/2010 5:23:37 PM |
| deal-hickory5 | $50.00 | $50.00 | 11/22/2010 5:32:01 PM |
| investment-comet | $25.00 | $25.00 | 11/22/2010 5:47:30 PM |
| inspiring-reward | $25.00 | $25.00 | 11/23/2010 10:18:38 AM |
| soulful-truth | $406.47 | $406.47 | 11/23/2010 12:40:52 PM |
| Artist_Blue | $25.00 | $25.00 | 11/23/2010 2:38:00 PM |
| Kaj | $25.00 | $25.00 | 11/23/2010 4:07:26 PM |
| felicity-festival | $25.00 | $25.00 | 11/23/2010 5:38:33 PM |
| 108lender | $100.00 | $100.00 | 11/24/2010 12:06:44 AM |
| finance-prescription | $50.00 | $50.00 | 11/24/2010 7:45:59 AM |
| loyalist1 | $50.00 | $50.00 | 11/24/2010 7:59:15 AM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:59:49 AM |
| daekpon | $25.00 | $25.00 | 11/24/2010 7:50:04 AM |
| greencat | $50.00 | $50.00 | 11/24/2010 8:25:04 AM |
| MedLend | $50.00 | $50.00 | 11/24/2010 12:09:14 PM |
| brother_tam | $50.00 | $50.00 | 11/24/2010 3:35:48 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 11/24/2010 7:59:38 PM |
| MadHun | $50.00 | $50.00 | 11/25/2010 9:22:52 AM |
| asiaratt | $50.00 | $50.00 | 11/26/2010 5:48:02 AM |
| itnAAnti | $25.00 | $25.00 | 11/26/2010 12:08:01 AM |
| reward-motion | $25.00 | $25.00 | 11/26/2010 4:38:09 AM |
| AF-Chief | $50.00 | $50.00 | 11/26/2010 7:53:00 AM |
| AlexTrep | $25.00 | $25.00 | 11/26/2010 7:12:50 AM |
| jazzlender | $25.00 | $25.00 | 11/26/2010 8:48:47 AM |
| zebra806 | $100.00 | $100.00 | 11/26/2010 8:31:16 AM |
| bulsa | $100.00 | $100.00 | 11/26/2010 8:48:21 AM |
| nybanker85 | $30.00 | $30.00 | 11/26/2010 9:01:05 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:09:03 AM |
| kc8fot | $50.00 | $50.00 | 11/26/2010 1:11:28 PM |
| vine99 | $40.00 | $40.00 | 11/26/2010 4:15:57 PM |
| a-finance-nirvana | $25.00 | $25.00 | 11/27/2010 1:21:24 AM |
| 56 bids
|
Borrower Payment Dependent Notes Series
485553
This series of Notes was issued and sold upon the funding of the borrower loan #45692, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% |
Auction start date:
| Nov-23-2010 |
| |
Auction end date:
| Nov-29-2010 |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $267.99 |
|
Final lender yield:
| 26.75% |
Final borrower rate/APR:
| 27.75% / 31.31% |
Final monthly payment:
| $267.99 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
8 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,613 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| orbital-finance5 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Mar-2010)
|
|
Principal balance:
| $4,133.57 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Student Loans - Solid Investment!
Purpose of loan:
This loan will be used to consolidate my remaining student loan accounts?and a high limit credit card. I have one other Prosper loan and am a reliable borrower with no missed or late payments.
As you can see from my listing I have unfortunately been given a D rating on my loan based on closing several credit accounts in the past 6 months and reducing my available credit ratio. However, I have continued to show a 700+ credit score and have never missed a payment on ANY of my accounts making this?a solid investment for Prosper lenders.
My financial situation:
I am a good candidate for this loan because I am in control of my?debt repayment?and this will allow me to consolidate my last few accounts. I have a solid job and am excited to be debt free very soon!
Thank you for your support!
Monthly net income: $ 5,400
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:
Monthly expenses? Amt of student loans/credit card debt? - Trakissta
A:
Thank you for your interest in my loan! ...
Rent, Cable, Gym, Food, etc: $1,200
Auto Loan, Gas, Insurance: $600
Misc. Living Expenses: $530
Citi CC Payment: $372
Chase CC Payment: $200
WF Loan Payment: $328
Prosper Loan #1: $160
Student Loan #1: $195
Student Loan #2: $235
Student Loan #3: $145
...Sudent Debt $19,000 ... CC Debt $16,000...Annual Income $99K + Bonus
(Nov-26-2010)
Q:
Hi,
what is your job? why do you have 2 recent inquiries? - p2ploan-sensation211
A:
I work for a medical company in marketing as a brand manager. My recent inquires are for Wells Fargo and CITI as I have been looking for consolidation loans I applied with those banks as well. I chose not to use them due to rates and terms before I decided to try Prosper.
Thank you for your support!
(Nov-28-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Thylow | $100.00 | $100.00 | 11/23/2010 2:55:48 PM |
| simplelender80 | $100.00 | $100.00 | 11/23/2010 3:10:10 PM |
| raisingophelia | $25.00 | $25.00 | 11/23/2010 3:10:24 PM |
| Thylow | $100.00 | $100.00 | 11/23/2010 2:55:52 PM |
| kulender | $100.00 | $100.00 | 11/23/2010 3:15:51 PM |
| Thylow | $25.00 | $25.00 | 11/23/2010 2:55:33 PM |
| reflective-rupee | $1,000.00 | $1,000.00 | 11/23/2010 3:15:04 PM |
| ASR3 | $25.00 | $25.00 | 11/23/2010 3:09:30 PM |
| velocity-solo | $25.00 | $25.00 | 11/23/2010 4:39:06 PM |
| money-bauble | $25.00 | $25.00 | 11/23/2010 4:25:26 PM |
| WindyKid | $50.00 | $50.00 | 11/23/2010 7:24:54 PM |
| magnolia161 | $25.00 | $25.00 | 11/23/2010 4:23:01 PM |
| Artist_Blue | $25.00 | $25.00 | 11/24/2010 7:18:44 AM |
| moola-wildebeest3 | $25.00 | $25.00 | 11/24/2010 9:07:57 AM |
| finance-prescription | $50.00 | $50.00 | 11/24/2010 7:46:22 AM |
| Cai8899 | $25.00 | $25.00 | 11/24/2010 10:03:11 AM |
| SolarMoonshine | $200.00 | $200.00 | 11/24/2010 1:29:52 PM |
| soulful-truth | $45.00 | $45.00 | 11/24/2010 10:38:09 AM |
| heerzaquestion | $50.00 | $50.00 | 11/24/2010 5:27:42 PM |
| marinbb | $50.00 | $50.00 | 11/24/2010 7:39:49 PM |
| all_of_that_one | $30.00 | $30.00 | 11/25/2010 10:16:41 AM |
| Mariner3605 | $50.00 | $50.00 | 11/26/2010 1:53:19 AM |
| integrity-palace1 | $25.00 | $25.00 | 11/26/2010 4:37:34 AM |
| investment-comet | $25.00 | $25.00 | 11/26/2010 7:36:42 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:09:52 AM |
| income-vault6 | $25.00 | $25.00 | 11/26/2010 9:37:07 AM |
| Whipster | $50.00 | $50.00 | 11/26/2010 10:27:30 AM |
| DonaldColorado | $50.00 | $50.00 | 11/26/2010 10:19:33 AM |
| LiveNow | $25.00 | $25.00 | 11/26/2010 12:42:09 PM |
| paytonbrigadier | $200.00 | $200.00 | 11/26/2010 12:15:27 PM |
| trade-boots1 | $100.00 | $100.00 | 11/26/2010 5:28:56 PM |
| Whitewater_Loans | $50.00 | $50.00 | 11/26/2010 7:32:18 PM |
| economy-synapse | $25.00 | $25.00 | 11/26/2010 8:14:41 PM |
| bulsa | $100.00 | $100.00 | 11/26/2010 8:45:22 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 8:16:55 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 8:17:18 PM |
| cash-spark3 | $25.00 | $25.00 | 11/26/2010 8:48:17 PM |
| Trakissta | $300.00 | $300.00 | 11/27/2010 7:19:08 AM |
| head | $25.00 | $25.00 | 11/27/2010 3:13:21 AM |
| tech310 | $50.00 | $50.00 | 11/27/2010 2:33:15 PM |
| loanman2007 | $125.00 | $125.00 | 11/28/2010 11:34:12 AM |
| truth-trapper | $25.00 | $25.00 | 11/28/2010 4:09:13 PM |
| the-silver-blaster | $50.00 | $50.00 | 11/29/2010 7:13:34 AM |
| ivadood | $48.48 | $48.48 | 11/29/2010 7:34:59 AM |
| gain-gourd | $100.00 | $100.00 | 11/28/2010 8:35:06 PM |
| Comoparklender | $25.00 | $25.00 | 11/29/2010 7:53:29 AM |
| bountiful-durability | $100.00 | $100.00 | 11/29/2010 5:19:41 AM |
| jwm | $25.00 | $25.00 | 11/29/2010 11:19:54 AM |
| transparency-boss439 | $83.23 | $83.23 | 11/29/2010 12:10:45 PM |
| fairness-atmosphere | $25.00 | $25.00 | 11/29/2010 11:17:30 AM |
| foothillender | $25.00 | $25.00 | 11/29/2010 12:30:36 PM |
| AF-Chief | $50.00 | $41.45 | 11/29/2010 2:45:30 PM |
| Kaj | $25.00 | $25.00 | 11/29/2010 2:29:26 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:43:26 PM |
| HammerSmith | $25.00 | $25.00 | 11/29/2010 4:41:26 PM |
| EngineersAlliance | $25.00 | $25.00 | 11/29/2010 3:35:07 PM |
| Thylow | $25.00 | $25.00 | 11/23/2010 3:02:53 PM |
| hopeful-truth5 | $100.00 | $100.00 | 11/23/2010 3:04:12 PM |
| nilonc1 | $50.00 | $50.00 | 11/23/2010 2:47:08 PM |
| graceful-investment | $100.00 | $100.00 | 11/23/2010 2:44:56 PM |
| ekmendenhall | $55.00 | $55.00 | 11/23/2010 2:46:28 PM |
| inspiring-reward | $150.00 | $150.00 | 11/23/2010 4:30:56 PM |
| parsec9 | $25.00 | $25.00 | 11/23/2010 4:26:35 PM |
| 113121 | $25.00 | $25.00 | 11/23/2010 7:19:59 PM |
| musegaze | $96.68 | $96.68 | 11/23/2010 7:32:51 PM |
| danthemon35 | $25.00 | $25.00 | 11/23/2010 4:29:44 PM |
| JustMee | $25.00 | $25.00 | 11/23/2010 5:07:29 PM |
| chrisb1414 | $25.00 | $25.00 | 11/23/2010 5:06:55 PM |
| caNative | $35.68 | $35.68 | 11/24/2010 5:42:45 AM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:59:23 AM |
| hopethisworks | $25.00 | $25.00 | 11/24/2010 9:07:54 AM |
| greencat | $50.00 | $50.00 | 11/24/2010 8:20:32 AM |
| dollardave | $50.00 | $50.00 | 11/24/2010 10:35:34 AM |
| kc8fot | $41.50 | $41.50 | 11/24/2010 9:42:20 AM |
| worth-arch | $25.00 | $25.00 | 11/24/2010 12:07:15 PM |
| bid-czar8 | $45.97 | $45.97 | 11/25/2010 9:33:31 AM |
| loyalist1 | $50.00 | $50.00 | 11/25/2010 8:48:20 AM |
| 371millwood | $100.00 | $100.00 | 11/25/2010 11:52:06 AM |
| B-rad_the_Coug | $25.00 | $25.00 | 11/26/2010 1:58:32 AM |
| AlexTrep | $25.00 | $25.00 | 11/26/2010 7:14:27 AM |
| Galdis | $25.00 | $25.00 | 11/26/2010 8:18:54 AM |
| jazzlender | $25.00 | $25.00 | 11/26/2010 8:49:08 AM |
| nybanker85 | $30.00 | $30.00 | 11/26/2010 9:01:29 AM |
| vine99 | $60.00 | $60.00 | 11/26/2010 4:38:06 PM |
| first-serene-credit | $25.00 | $25.00 | 11/26/2010 6:34:47 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 8:16:35 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 8:17:49 PM |
| Helenska11 | $25.00 | $25.00 | 11/26/2010 8:23:01 PM |
| economy-synapse | $50.00 | $50.00 | 11/26/2010 9:23:34 PM |
| payout-reaction740 | $25.00 | $25.00 | 11/27/2010 2:39:22 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/27/2010 12:14:42 PM |
| gallant-economy9 | $74.97 | $74.97 | 11/29/2010 7:13:33 AM |
| zebra806 | $100.00 | $100.00 | 11/29/2010 7:34:56 AM |
| brother_tam | $50.00 | $50.00 | 11/29/2010 5:44:21 AM |
| dinero-fighter | $50.00 | $50.00 | 11/29/2010 11:02:21 AM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/29/2010 11:18:28 AM |
| cablenews | $50.00 | $50.00 | 11/29/2010 12:39:55 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/29/2010 11:20:01 AM |
| umfan123 | $25.00 | $25.00 | 11/29/2010 2:46:22 PM |
| invest-in-ed | $100.00 | $100.00 | 11/29/2010 12:57:07 PM |
| smear87 | $25.00 | $25.00 | 11/29/2010 2:27:52 PM |
| 108lender | $52.04 | $52.04 | 11/29/2010 2:28:41 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:43:00 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:42:40 PM |
| well-mannered-income3 | $60.00 | $60.00 | 11/29/2010 4:22:40 PM |
| honey-money | $25.00 | $25.00 | 11/29/2010 4:19:00 PM |
| 106 bids
|
Borrower Payment Dependent Notes Series
485557
This series of Notes was issued and sold upon the funding of the borrower loan #45775, 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-23-2010 |
| |
Auction end date:
| Nov-30-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $210.89 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $205.47 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
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-1987 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 23y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,110 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| best-openness-zenith |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
new energy furnace/windows
Purpose of loan:
This loan will be used to install new furnace and window before the year end
My financial situation:
I am a good candidate for this loan because I pay all my bills on time.? Can arrange for payment to be automatically paid.? I do not have 24 total credit lines.? ( I only have Bank of America mortgage,?2- Citi Bank cards,?a Capital One, Chase, Shell and Student loan)
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $?1631
??Insurance: $ 180
??Car expenses: $ 200 ( gas/maintenance-no payments)
??Utilities: $ 400
??Phone, cable, internet: $ 250 (cell and?landline)
??Food, entertainment: $?800
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Thylow | $25.00 | $25.00 | 11/23/2010 2:55:37 PM |
| ZPBSFinancialGroup | $25.00 | $25.00 | 11/23/2010 2:59:58 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 11/23/2010 4:24:19 PM |
| money-bauble | $25.00 | $25.00 | 11/23/2010 4:25:27 PM |
| Thylow | $25.00 | $25.00 | 11/23/2010 3:02:54 PM |
| danthemon35 | $25.00 | $25.00 | 11/23/2010 4:29:43 PM |
| inspiring-reward | $150.00 | $150.00 | 11/23/2010 4:30:54 PM |
| magnolia161 | $50.00 | $50.00 | 11/23/2010 4:22:59 PM |
| MylesNH | $25.00 | $25.00 | 11/24/2010 4:52:52 AM |
| Jonb6919 | $25.00 | $25.00 | 11/24/2010 6:13:55 AM |
| slushfunder | $50.00 | $50.00 | 11/24/2010 7:15:23 AM |
| deal-hickory5 | $49.79 | $49.79 | 11/24/2010 7:43:45 AM |
| finance-prescription | $50.00 | $50.00 | 11/24/2010 7:46:23 AM |
| Uylsses | $70.00 | $70.00 | 11/24/2010 8:00:37 AM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:59:23 AM |
| SolarMoonshine | $25.00 | $25.00 | 11/24/2010 1:19:21 PM |
| Whipster | $50.00 | $50.00 | 11/24/2010 10:22:57 AM |
| musegaze | $47.70 | $0.85 | 11/24/2010 7:37:54 PM |
| building_community | $50.00 | $50.00 | 11/25/2010 7:14:10 AM |
| newest-funds-powerplant | $25.00 | $25.00 | 11/25/2010 2:25:30 PM |
| Branch95 | $25.00 | $25.00 | 11/25/2010 4:20:02 PM |
| dunkard13 | $100.00 | $100.00 | 11/26/2010 6:25:47 AM |
| Millertime_496 | $25.00 | $25.00 | 11/26/2010 12:17:01 AM |
| credit-missile | $25.00 | $25.00 | 11/26/2010 10:26:06 AM |
| credit-missile | $25.00 | $25.00 | 11/26/2010 10:25:26 AM |
| l2fp | $37.13 | $37.13 | 11/26/2010 11:06:38 AM |
| umfan123 | $25.00 | $25.00 | 11/26/2010 1:18:06 PM |
| 2grindstones | $25.00 | $25.00 | 11/26/2010 4:43:52 PM |
| 850 | $50.00 | $50.00 | 11/26/2010 8:01:49 PM |
| Trakissta | $150.00 | $150.00 | 11/27/2010 7:15:15 AM |
| samurai2 | $30.00 | $30.00 | 11/27/2010 8:57:50 AM |
| truth-trapper | $25.00 | $25.00 | 11/28/2010 4:08:12 PM |
| OLYVRC | $25.00 | $25.00 | 11/28/2010 7:22:45 PM |
| mckhbnpc | $30.00 | $30.00 | 11/29/2010 12:40:34 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:45:29 PM |
| Bob450 | $25.00 | $25.00 | 11/29/2010 3:53:07 PM |
| skillful-asset5 | $30.00 | $30.00 | 11/29/2010 4:46:25 PM |
| HammerSmith | $25.00 | $25.00 | 11/29/2010 4:42:45 PM |
| Rearden_Steel | $25.00 | $25.00 | 11/30/2010 9:00:50 AM |
| Requiem | $25.00 | $25.00 | 11/30/2010 9:40:17 AM |
| octoberfresh | $25.00 | $25.00 | 11/30/2010 7:00:23 AM |
| RecoveryLender | $25.00 | $25.00 | 11/30/2010 8:41:09 AM |
| minnesotafinancial | $25.00 | $25.00 | 11/30/2010 11:41:00 AM |
| dynamic-platinum | $50.00 | $50.00 | 11/30/2010 11:58:08 AM |
| Bcs-cnc | $32.30 | $32.30 | 11/30/2010 9:55:24 AM |
| nimble-nickel | $75.00 | $75.00 | 11/30/2010 10:00:56 AM |
| SomebodysMom | $46.86 | $46.86 | 11/30/2010 1:50:19 PM |
| ultimate-peace | $50.00 | $50.00 | 11/30/2010 1:31:13 PM |
| Land_on_your_feet | $79.76 | $79.76 | 11/30/2010 2:15:02 PM |
| lendstats_com | $25.00 | $25.00 | 11/23/2010 2:45:38 PM |
| reflective-rupee | $250.00 | $250.00 | 11/23/2010 3:17:13 PM |
| simplelender80 | $100.00 | $100.00 | 11/23/2010 3:10:12 PM |
| hopethisworks | $25.00 | $25.00 | 11/23/2010 4:24:10 PM |
| parsec9 | $25.00 | $25.00 | 11/23/2010 4:26:33 PM |
| rate-farm3 | $100.00 | $100.00 | 11/23/2010 6:52:13 PM |
| drg6289 | $25.00 | $25.00 | 11/24/2010 6:13:54 AM |
| cablenews | $49.79 | $49.79 | 11/24/2010 8:05:28 AM |
| Uylsses | $50.00 | $50.00 | 11/24/2010 8:00:58 AM |
| tech310 | $25.00 | $25.00 | 11/24/2010 8:05:31 AM |
| greencat | $50.00 | $50.00 | 11/24/2010 8:29:42 AM |
| lendstats_com | $200.00 | $200.00 | 11/24/2010 8:59:56 AM |
| jml3482 | $25.00 | $25.00 | 11/24/2010 9:07:49 AM |
| Cai8899 | $25.00 | $25.00 | 11/24/2010 10:03:09 AM |
| iLoaner | $25.00 | $25.00 | 11/24/2010 12:07:01 PM |
| reflective-rupee | $225.00 | $225.00 | 11/24/2010 1:21:54 PM |
| Kyileo | $25.00 | $25.00 | 11/24/2010 2:28:15 PM |
| glroark | $100.00 | $100.00 | 11/24/2010 8:36:56 PM |
| loanman2007 | $200.00 | $200.00 | 11/25/2010 7:09:28 AM |
| cash-tent | $25.00 | $25.00 | 11/25/2010 9:10:27 AM |
| cajunguy | $25.00 | $25.00 | 11/25/2010 10:23:20 AM |
| Tlk2drew | $50.00 | $50.00 | 11/25/2010 8:39:08 PM |
| Trakissta | $150.00 | $150.00 | 11/26/2010 6:34:01 AM |
| Bufordo | $50.00 | $50.00 | 11/26/2010 7:05:53 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:09:53 AM |
| credit-missile | $25.00 | $25.00 | 11/26/2010 10:25:09 AM |
| credit-missile | $25.00 | $25.00 | 11/26/2010 10:25:44 AM |
| mistifilio | $25.00 | $25.00 | 11/26/2010 11:41:56 AM |
| benefit-boots | $25.00 | $25.00 | 11/26/2010 11:21:53 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 11/26/2010 12:45:46 PM |
| vine99 | $50.00 | $50.00 | 11/26/2010 5:01:55 PM |
| exchange-dreams | $25.00 | $25.00 | 11/26/2010 6:12:48 PM |
| tomaswk | $150.00 | $150.00 | 11/26/2010 5:40:54 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 8:13:32 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 8:14:02 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 8:12:50 PM |
| kendallv | $25.00 | $25.00 | 11/26/2010 9:53:39 PM |
| nethosters | $25.00 | $25.00 | 11/28/2010 6:07:59 PM |
| mbf2234 | $25.00 | $25.00 | 11/28/2010 7:27:38 PM |
| interstellar | $50.00 | $50.00 | 11/29/2010 2:28:52 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:44:56 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 11/29/2010 5:06:24 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:45:53 PM |
| wonder3 | $25.00 | $25.00 | 11/30/2010 6:44:18 AM |
| credit-missile | $25.00 | $25.00 | 11/30/2010 8:05:56 AM |
| friendinmoney | $25.00 | $25.00 | 11/30/2010 7:55:03 AM |
| erowis | $30.00 | $30.00 | 11/30/2010 8:13:56 AM |
| attractive-point5 | $50.00 | $50.00 | 11/30/2010 10:07:55 AM |
| bitano | $38.51 | $38.51 | 11/30/2010 8:32:20 AM |
| leverage-monger | $25.00 | $25.00 | 11/30/2010 9:50:46 AM |
| honey-money | $25.00 | $25.00 | 11/30/2010 10:09:39 AM |
| ryan6853 | $25.00 | $25.00 | 11/30/2010 1:11:18 PM |
| balanced-balance6 | $25.00 | $25.00 | 11/30/2010 12:12:19 PM |
| Nerdster1 | $25.01 | $25.01 | 11/30/2010 2:35:17 PM |
| 103 bids
|
Borrower Payment Dependent Notes Series
485625
This series of Notes was issued and sold upon the funding of the borrower loan #45762, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% |
Auction start date:
| Nov-26-2010 |
| |
Auction end date:
| Dec-03-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 27.00% |
Final borrower rate/APR:
| 28.00% / 31.56% |
Final monthly payment:
| $206.82 |
| |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 25.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.43% | | |
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:
| Jul-1982 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 9y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,273 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| trustworthy71 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 36 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $22,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Nov-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Inventory for Holiday Season
Business Loan for: ?QualityCoach.Net
Additional capital will allow the business to pay for product for the Christmas Season.?? If intrest rate is bid down low enough?will add new product lines.
QualityCoach.Net a sole proprietorship, has been growing steady, since I started the business in 1997,? Been working full time at this since 2001.? As with many small businesses the more it grows, the more capital it requires.??Some Customers ask for terms of 30 Days or more.
More than 80%? of our business is B2B.?? Our Customer list includes?Fortune 50 Corporations as well as many Governmental Agencies.?
Financial Situation:
Schedule C Federal Tax Return Gross Income for QualityCoach.Net;? 2007- $153,783,? 2008-$169,985,? 2009- $163,708
Sales in 2007- $785,830, 2008- $835,624,? 2009- $888,623 . Sales for 2010? should remain about the same.?
Rents Recived from Rental Property: 2007- $14,525, 2008- $14,857, 2009- $18,953, ?2010 will be in same range.??
On occasion we get orders for over 4 times as much as this loan.
I own a duplex, live and run my business in half, rent out the other half.?? I have owned the?duplex for?12 years.? Overhead costs are kept down.? I have owned a rental home in Colorado since the mid 80's? Both houses are financed at fixed rates and have Equity in them, ?No 2nd Mortgages??Estimated Value of the Properties: $290,000.?Although?Bank Card utilization is high,? Many of the Cards are paid in full each month.?Our inventory turns are over?18 times per year.?
$22,000 Prosper Loan? paid off? on 11/23/2010 ??100% on time payments.? When I took out the loan my Prosper Rating was "B". ?Now my credit score is higher, I have history of paying the prosper loan on time for three years and??they change my rating to HR ? Go Figure?? I had planned to take out another?$22,000 loan when the first one was paid off.? It is a shock that the?rates are now so much higher. I can use this ?Loan to bridge me over until ?I can find capital at a lower intrest rate.
Please bid?on this loan. I will repay this loan on time.
See more on the membership profile.
Learn more about?the Business at our?Website. QualityCoach.Net?
If you have Questions or Concerns please ask.
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
Delinquencies in last 7y: 1 - good4loan
A:
Just looked at Experian Credit report and did not see a delinquency. About 9 years ago I bought and financed a Computer. They were taking payments out of my checking account each month. I changed our Checking account. I forgot about notifying Dell of the change. As far I know Dell didn't notify me of the problem right away. ( I was not aware of the problem ) they just kept trying to withdraw from the closed account. Learned about this after 3 months. Payments were made promptly.
(Nov-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| alexgalt | $50.00 | $50.00 | 11/26/2010 6:39:36 PM |
| justbman | $25.00 | $25.00 | 11/26/2010 6:11:53 PM |
| squarebob | $100.00 | $100.00 | 11/26/2010 10:56:55 PM |
| head | $25.00 | $25.00 | 11/27/2010 3:07:59 AM |
| alexgalt | $25.00 | $25.00 | 11/27/2010 2:27:06 PM |
| alexgalt | $25.00 | $25.00 | 11/27/2010 2:27:25 PM |
| SolarMoonshine | $100.00 | $100.00 | 11/27/2010 1:55:07 PM |
| justbman | $25.00 | $25.00 | 11/28/2010 7:36:16 PM |
| eagle1271 | $30.00 | $30.00 | 11/29/2010 7:07:00 PM |
| golffish2 | $100.00 | $100.00 | 11/30/2010 4:32:58 AM |
| investment-artist | $50.00 | $50.00 | 11/30/2010 9:18:21 AM |
| good4loan | $25.00 | $25.00 | 11/30/2010 3:26:22 PM |
| spsavage | $25.00 | $25.00 | 12/1/2010 12:27:22 PM |
| vmh20035 | $43.91 | $43.91 | 12/1/2010 4:14:58 PM |
| labyrinth0 | $25.00 | $25.00 | 12/1/2010 6:22:52 PM |
| vutah | $25.00 | $25.00 | 12/1/2010 6:52:29 PM |
| Moe87 | $30.61 | $30.61 | 12/2/2010 3:56:04 AM |
| realtormoises | $25.00 | $25.00 | 12/2/2010 7:09:13 AM |
| california5andime | $25.00 | $25.00 | 12/1/2010 8:59:30 PM |
| debt-legend | $25.00 | $25.00 | 12/2/2010 9:02:08 AM |
| Feyenoord | $25.00 | $25.00 | 12/2/2010 9:11:50 AM |
| thankful-nickel2 | $25.00 | $25.00 | 12/2/2010 3:10:19 AM |
| minnesotafinancial | $25.00 | $25.00 | 12/2/2010 12:21:07 PM |
| melodious-openness | $500.00 | $500.00 | 12/2/2010 2:40:31 PM |
| Moe87 | $25.00 | $25.00 | 12/2/2010 5:11:26 PM |
| sturdy-peace9 | $75.00 | $75.00 | 12/3/2010 2:37:36 AM |
| competent-p2p | $100.00 | $100.00 | 12/3/2010 10:06:30 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 11:10:16 AM |
| economy-popcorn | $25.00 | $25.00 | 12/3/2010 5:27:30 AM |
| Green-Baron | $25.00 | $25.00 | 12/3/2010 11:37:14 AM |
| ronin4sale | $25.00 | $25.00 | 12/3/2010 6:53:29 AM |
| spsavage | $25.00 | $25.00 | 12/3/2010 11:43:43 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 11:09:48 AM |
| coffeecup | $30.00 | $30.00 | 12/3/2010 7:00:46 AM |
| ZPBSFinancialGroup | $25.00 | $25.00 | 12/3/2010 7:05:19 AM |
| rustysailor | $25.00 | $25.00 | 12/3/2010 11:35:19 AM |
| DasMula | $25.00 | $25.00 | 12/3/2010 11:35:41 AM |
| icon7 | $40.00 | $40.00 | 12/3/2010 12:19:10 PM |
| Rider | $90.00 | $90.00 | 12/3/2010 11:35:54 AM |
| pposFUNDing | $33.84 | $33.84 | 12/3/2010 12:08:05 PM |
| friendinmoney | $25.00 | $25.00 | 12/3/2010 12:26:27 PM |
| head | $25.00 | $25.00 | 12/3/2010 11:45:59 AM |
| squarebob | $100.00 | $100.00 | 11/26/2010 10:56:31 PM |
| squarebob | $100.00 | $100.00 | 11/26/2010 10:57:19 PM |
| loanman2007 | $250.00 | $250.00 | 11/27/2010 7:10:04 AM |
| Fire2 | $50.00 | $50.00 | 11/28/2010 12:04:25 PM |
| five-star-note | $174.00 | $174.00 | 11/29/2010 3:05:07 PM |
| good4loan | $25.00 | $25.00 | 11/30/2010 3:27:09 PM |
| clemclan | $25.00 | $25.00 | 11/30/2010 3:50:12 PM |
| justbman | $36.61 | $36.61 | 11/30/2010 7:10:55 PM |
| ORcowboy | $50.00 | $50.00 | 12/1/2010 3:19:11 AM |
| 4Horseman | $50.00 | $50.00 | 11/30/2010 8:41:42 PM |
| SouthernRemarketing | $27.25 | $27.25 | 12/1/2010 7:12:58 AM |
| deepblue34 | $30.00 | $30.00 | 12/1/2010 7:35:19 PM |
| upbeat-wealth | $25.00 | $25.00 | 12/2/2010 12:18:26 AM |
| cunning-compassion1 | $28.00 | $28.00 | 12/2/2010 6:51:02 AM |
| coin-explorer | $25.00 | $25.00 | 12/2/2010 11:42:15 AM |
| zdaddy3 | $25.00 | $25.00 | 12/2/2010 10:25:41 AM |
| thomas16882004 | $30.00 | $30.00 | 12/2/2010 11:52:30 AM |
| bmw2 | $50.00 | $50.00 | 12/3/2010 12:50:19 AM |
| farchoir | $25.00 | $25.00 | 12/2/2010 8:05:58 PM |
| papaloha | $100.00 | $100.00 | 12/3/2010 4:36:01 AM |
| emjaybee | $28.75 | $28.75 | 12/3/2010 6:27:27 AM |
| bsmtloan | $75.00 | $75.00 | 12/3/2010 6:50:22 AM |
| dslobbs | $32.53 | $32.53 | 12/3/2010 4:55:58 AM |
| SFBank | $400.00 | $400.00 | 12/2/2010 8:00:08 PM |
| BrighterSuns | $25.00 | $25.00 | 12/3/2010 7:52:51 AM |
| amor1962 | $25.00 | $25.00 | 12/3/2010 10:15:40 AM |
| ultimate-peace | $125.00 | $125.00 | 12/3/2010 10:38:46 AM |
| Champion_Lending | $25.00 | $25.00 | 12/3/2010 10:58:59 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 11:09:21 AM |
| Leshan | $200.00 | $200.00 | 12/3/2010 9:56:03 AM |
| JayIsABear | $100.00 | $100.00 | 12/3/2010 11:17:30 AM |
| Mikale360 | $25.00 | $25.00 | 12/3/2010 6:16:38 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 11:10:50 AM |
| DasMula | $25.00 | $25.00 | 12/3/2010 11:36:01 AM |
| bonus-quark4 | $25.00 | $25.00 | 12/3/2010 7:59:38 AM |
| Soulphoniks-Holdings | $25.00 | $25.00 | 12/3/2010 11:53:52 AM |
| moneysong | $400.00 | $39.50 | 12/3/2010 11:06:43 AM |
| YoungTaxMan | $500.00 | $500.00 | 12/3/2010 11:44:08 AM |
| 80 bids
|
Borrower Payment Dependent Notes Series
485759
This series of Notes was issued and sold upon the funding of the borrower loan #45774, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Nov-29-2010 |
| |
Auction end date:
| Dec-02-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $126.53 |
|
Final lender yield:
| 28.50% |
Final borrower rate/APR:
| 29.50% / 33.10% |
Final monthly payment:
| $126.53 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 8 |
First credit line:
| Aug-2007 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,189 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| glider426 |
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
pay off credit cards
Purpose of loan:
This loan will be used to pay off credit cards and some back taxs?
My financial situation:
I am a good candidate for this loan because? I pay my bills on time very vauled worker always working over time and weekends?? make about?$640.00 a week payed weekly
Monthly net income: $
$2560.00
Monthly expenses: $
??Housing: $ 580.00
??Insurance: $ 200.00
??Car expenses: $ 250.00
??Utilities: $ 45.00
??Phone, cable, internet: $ 189.00
??Food, entertainment: $?300.00?
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you explain your employment status a bit more...... Where you work, how long you've been here, what you do, how your monthly pay is calculated, etc? Also, is $640 weekly before or after taxes are taken out? THANKS!! - SmartConsolidation
A:
I work for Tyson Foods .I have been there for 3yrs 11months . I drive spotter truck and fork lift . paid hourly work on average of 60 to 70 hrs a week . I get paid weekly the $640.00 is about average take home pay after taxs.
(Dec-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $100.00 | $100.00 | 11/29/2010 2:56:07 PM |
| loyalist1 | $50.00 | $50.00 | 11/29/2010 3:01:52 PM |
| hopeful-truth5 | $75.00 | $75.00 | 11/29/2010 2:59:56 PM |
| finance-prescription | $50.00 | $50.00 | 11/29/2010 3:15:49 PM |
| transaction-circuit | $50.00 | $50.00 | 11/29/2010 3:16:55 PM |
| bid-czar8 | $100.00 | $100.00 | 11/29/2010 3:22:25 PM |
| kulender | $50.00 | $50.00 | 11/29/2010 3:13:35 PM |
| rautility | $25.00 | $25.00 | 11/29/2010 6:34:51 PM |
| daekpon | $25.00 | $25.00 | 11/29/2010 10:49:31 PM |
| musegaze | $100.00 | $100.00 | 11/30/2010 7:51:07 AM |
| courteous-kindness1 | $50.00 | $50.00 | 11/30/2010 2:45:06 PM |
| scappellee | $25.00 | $25.00 | 11/30/2010 5:47:36 PM |
| trade-goblin9 | $25.00 | $25.00 | 11/30/2010 5:02:16 PM |
| exchange-dreams | $25.00 | $25.00 | 11/30/2010 6:27:06 PM |
| active-wealth0 | $25.00 | $25.00 | 12/1/2010 4:14:43 AM |
| EliteCapital | $25.00 | $25.00 | 12/1/2010 8:46:35 AM |
| BradP | $50.00 | $50.00 | 12/1/2010 1:12:16 PM |
| wwwUniversal | $25.00 | $25.00 | 12/1/2010 3:13:23 PM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:05:39 PM |
| melodious-openness | $100.00 | $100.00 | 12/1/2010 5:24:58 PM |
| 108lender | $227.53 | $227.53 | 12/1/2010 7:47:50 PM |
| silverloan | $48.98 | $48.98 | 12/2/2010 1:41:17 AM |
| lsx7 | $75.00 | $75.00 | 12/2/2010 10:48:05 AM |
| nickel-position | $25.00 | $25.00 | 12/2/2010 1:48:08 PM |
| income-vault6 | $25.00 | $25.00 | 12/2/2010 4:56:50 PM |
| umfan123 | $25.00 | $25.00 | 12/2/2010 5:27:37 PM |
| Kaj | $25.00 | $25.00 | 12/2/2010 4:57:15 PM |
| Thylow | $100.00 | $100.00 | 11/29/2010 3:06:27 PM |
| simplelender80 | $100.00 | $100.00 | 11/29/2010 3:12:49 PM |
| jazzlender | $25.00 | $25.00 | 11/29/2010 3:18:58 PM |
| DonaldColorado | $50.00 | $50.00 | 11/29/2010 3:19:56 PM |
| greenback-guard | $25.00 | $25.00 | 11/29/2010 3:23:20 PM |
| paytonbrigadier | $200.00 | $200.00 | 11/29/2010 3:21:05 PM |
| trade-boots1 | $100.00 | $80.98 | 11/29/2010 3:24:05 PM |
| ASR3 | $25.00 | $25.00 | 11/29/2010 3:12:41 PM |
| bulsa | $31.55 | $31.55 | 11/29/2010 3:23:07 PM |
| finance-prescription | $100.00 | $100.00 | 11/29/2010 3:16:35 PM |
| building_community | $50.00 | $50.00 | 11/29/2010 3:47:42 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/30/2010 3:58:01 AM |
| back-scratchers | $25.00 | $25.00 | 11/29/2010 10:49:44 PM |
| foothillender | $25.00 | $25.00 | 11/30/2010 7:21:19 AM |
| Requiem | $25.00 | $25.00 | 11/30/2010 3:07:22 PM |
| FinDoc | $30.00 | $30.00 | 11/30/2010 10:57:38 PM |
| fund-javelin1 | $25.00 | $25.00 | 12/1/2010 10:16:00 AM |
| exuberant-loot | $25.00 | $25.00 | 12/1/2010 3:12:39 PM |
| DHolly | $30.00 | $30.00 | 12/1/2010 5:21:57 PM |
| honey-money | $25.00 | $25.00 | 12/1/2010 5:52:06 PM |
| nilonc1 | $150.00 | $150.00 | 12/1/2010 4:59:39 PM |
| Reliance_Banker | $25.00 | $25.00 | 12/1/2010 6:55:04 PM |
| bold-attentive-listing | $25.00 | $25.00 | 12/1/2010 7:35:23 PM |
| Rogelio48 | $30.00 | $30.00 | 12/1/2010 4:22:52 PM |
| Mrgiggleswic | $50.00 | $50.00 | 12/2/2010 4:48:36 AM |
| finance-solo | $27.83 | $27.83 | 12/2/2010 6:46:03 AM |
| Helenska11 | $25.00 | $25.00 | 12/1/2010 8:27:36 PM |
| b-rent | $25.00 | $25.00 | 12/2/2010 12:11:04 PM |
| competent-p2p | $50.00 | $50.00 | 12/2/2010 7:52:55 AM |
| Bob450 | $25.00 | $25.00 | 12/2/2010 8:00:20 AM |
| leverage-monger | $25.00 | $25.00 | 12/2/2010 9:21:11 AM |
| hershey88 | $38.13 | $38.13 | 12/2/2010 11:27:32 AM |
| grampy48 | $30.00 | $30.00 | 12/2/2010 1:09:17 PM |
| 60 bids
|
Borrower Payment Dependent Notes Series
485767
This series of Notes was issued and sold upon the funding of the borrower loan #45704, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Nov-26-2010 |
| |
Auction end date:
| Dec-03-2010 |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $152.83 |
|
Final lender yield:
| 31.20% |
Final borrower rate/APR:
| 32.20% / 35.86% |
Final monthly payment:
| $152.83 |
| |
|
Auction yield range:
| 13.57% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| May-1991 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
8 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $113,410 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| keeper254 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Medical bills
Purpose of loan:
This loan will be used to pay off out-of-pocket medical bills related to my ongoing battle with chronic Lyme disease.
My financial situation:
I am a good candidate for this loan because I cleared most of my credit card debt.? The high revolving credit balance is a?HELOC on my primary residence.? I am also a pensioner (Federal government), and receive a guaranteed monthly payment for life, currently at about $70000 gross per year.? My wife is a?long-term substitute teacher, and brings in about $2000/month.?
Monthly net income: $ 7000
Monthly expenses: $
??Housing: $ 2700
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $?300
??Food, entertainment: $?1000
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 700
??Other expenses: $ 500
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:
Length of employment status 0y0m? When did you start? What do
you sell? Thanks - RecoveryLender
A:
Thanks so much for your interest my listing! I was literally between jobs when I submitted it. I was previously working for a professional courier company (documents) in Washington, D.C., but wanted to find something closer to home. I am now working for a growing wine distributorship in Maryland and have been handed a good number of established, high-volume accounts, so I expect to do quite well. Any more questions, I will be happy to answer them. Thanks again!!
(Nov-29-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $100.00 | $100.00 | 11/26/2010 12:50:21 PM |
| tech310 | $25.00 | $25.00 | 11/26/2010 1:00:52 PM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 1:04:04 PM |
| AlexTrep | $25.00 | $25.00 | 11/26/2010 1:03:26 PM |
| DonaldColorado | $50.00 | $50.00 | 11/26/2010 1:04:29 PM |
| Artist_Blue | $25.00 | $25.00 | 11/26/2010 1:52:59 PM |
| dedicated-diversification5 | $25.00 | $25.00 | 11/26/2010 5:08:01 PM |
| Kreditorium | $25.00 | $25.00 | 11/26/2010 3:52:36 PM |
| revenue-officer36 | $50.00 | $50.00 | 11/26/2010 5:33:00 PM |
| joee | $25.00 | $25.00 | 11/26/2010 5:53:05 PM |
| reflective-rupee | $150.00 | $150.00 | 11/26/2010 7:18:56 PM |
| 850 | $50.00 | $50.00 | 11/26/2010 9:42:14 PM |
| alexgalt | $25.00 | $25.00 | 11/27/2010 2:30:13 PM |
| Share_The_Wealth | $50.00 | $50.00 | 11/27/2010 11:49:27 AM |
| lloyd_s | $25.00 | $25.00 | 11/27/2010 8:38:07 PM |
| commerce-yeller | $25.00 | $25.00 | 11/28/2010 11:33:30 AM |
| kind-efficient-credit | $38.68 | $38.68 | 11/28/2010 9:14:56 PM |
| money-bauble | $100.00 | $100.00 | 11/29/2010 8:43:04 AM |
| nybanker85 | $30.00 | $30.00 | 11/29/2010 11:20:14 AM |
| DadWarbucks | $50.00 | $50.00 | 11/29/2010 11:44:01 AM |
| cash-boots | $25.00 | $25.00 | 11/29/2010 1:48:07 PM |
| velocity-solo | $25.00 | $25.00 | 11/29/2010 2:46:29 PM |
| fund-javelin1 | $25.00 | $25.00 | 12/1/2010 10:13:12 AM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:05:34 PM |
| RyanM561 | $25.00 | $25.00 | 12/1/2010 11:06:53 PM |
| thomas16882004 | $25.00 | $25.00 | 12/2/2010 11:53:28 AM |
| dudebrah | $25.00 | $25.00 | 12/2/2010 2:09:36 PM |
| melodious-openness | $200.00 | $200.00 | 12/2/2010 3:02:52 PM |
| competent-p2p | $50.00 | $50.00 | 12/3/2010 7:37:52 AM |
| matthewa | $25.00 | $25.00 | 12/3/2010 8:26:03 AM |
| DasMula | $25.00 | $25.00 | 12/3/2010 11:56:38 AM |
| ASR3 | $25.00 | $25.00 | 11/26/2010 12:58:29 PM |
| kulender | $100.00 | $100.00 | 11/26/2010 12:59:16 PM |
| jazzlender | $25.00 | $25.00 | 11/26/2010 1:03:46 PM |
| paytonbrigadier | $200.00 | $200.00 | 11/26/2010 1:05:09 PM |
| soulful-truth | $50.00 | $50.00 | 11/26/2010 1:24:58 PM |
| raisingophelia | $25.00 | $25.00 | 11/26/2010 2:38:19 PM |
| asset-professor | $50.00 | $50.00 | 11/26/2010 3:52:16 PM |
| bid-czar8 | $100.00 | $100.00 | 11/26/2010 2:53:05 PM |
| pembull | $75.00 | $75.00 | 11/26/2010 4:37:44 PM |
| trade-boots1 | $100.00 | $100.00 | 11/26/2010 5:29:16 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 6:31:56 PM |
| bulsa | $100.00 | $100.00 | 11/26/2010 8:45:36 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/27/2010 12:15:02 PM |
| alexgalt | $100.00 | $100.00 | 11/27/2010 9:42:59 PM |
| Mariner3605 | $34.47 | $34.47 | 11/27/2010 10:10:13 PM |
| MAYBROOK | $50.00 | $50.00 | 11/28/2010 4:07:51 PM |
| simplelender80 | $100.00 | $100.00 | 11/28/2010 1:42:28 PM |
| ingenious-truth0 | $25.00 | $25.00 | 11/29/2010 9:08:25 AM |
| CreativeIdeas | $25.00 | $25.00 | 11/29/2010 9:37:55 AM |
| DHolly | $30.00 | $30.00 | 11/29/2010 3:35:28 AM |
| bountiful-durability | $100.00 | $100.00 | 11/29/2010 5:19:25 AM |
| happy-return4 | $35.94 | $35.94 | 11/29/2010 9:07:53 AM |
| macgeek | $25.00 | $25.00 | 11/29/2010 10:51:44 AM |
| worth-arch | $25.00 | $25.00 | 11/29/2010 10:51:31 AM |
| JGB | $46.25 | $46.25 | 11/29/2010 10:52:01 AM |
| investment-comet | $25.00 | $25.00 | 11/29/2010 1:59:01 PM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/29/2010 6:38:48 PM |
| nickel-hickory | $50.00 | $50.00 | 11/29/2010 10:42:54 PM |
| gain-gourd | $84.50 | $67.72 | 11/30/2010 8:39:25 AM |
| Kqwik | $30.00 | $30.00 | 12/1/2010 3:07:08 AM |
| 1stBankAndHal | $25.07 | $25.07 | 12/1/2010 3:57:48 PM |
| sctmac12 | $56.87 | $56.87 | 12/1/2010 6:43:22 PM |
| Bob450 | $25.00 | $25.00 | 12/1/2010 6:46:07 PM |
| Ven58 | $25.00 | $25.00 | 12/2/2010 12:58:54 AM |
| abnvette | $25.00 | $25.00 | 12/2/2010 2:37:52 PM |
| octoberfresh | $25.00 | $25.00 | 12/2/2010 7:33:15 AM |
| Astyanax | $50.00 | $50.00 | 12/2/2010 12:14:46 PM |
| HammerSmith | $25.00 | $25.00 | 12/3/2010 9:37:37 AM |
| 2grindstones | $25.00 | $25.00 | 12/3/2010 10:01:06 AM |
| branaa99 | $25.00 | $25.00 | 12/3/2010 9:11:35 AM |
| icon7 | $30.00 | $30.00 | 12/3/2010 12:13:52 PM |
| goodhearted-basis4 | $25.00 | $25.00 | 12/3/2010 11:18:32 AM |
| 73 bids
|
Borrower Payment Dependent Notes Series
485769
This series of Notes was issued and sold upon the funding of the borrower loan #45765, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 12 months |
Estimated loss:
| 1.30% |
Auction start date:
| Nov-26-2010 |
| |
Auction end date:
| Dec-03-2010 |
|
|
Starting lender yield:
| 6.80% |
Starting borrower rate/APR:
| 7.80% / 8.74% |
Starting monthly payment:
| $86.90 |
|
Final lender yield:
| 4.75% |
Final borrower rate/APR:
| 5.75% / 6.69% |
Final monthly payment:
| $85.95 |
| |
|
Auction yield range:
| 1.97% - 6.80% |
Estimated loss impact:
| 1.29% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.46% | | |
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-1995 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 800-819 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 3m |
|
Amount delinquent:
| $1,861 |
Total credit lines:
| 27 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,295 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| mk408 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 33 ( 97% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $8,989.00 | < 31 days late:
| 1
( 3% )
| 800-819
(Feb-2010)
780-799
(Aug-2009)
780-799
(Jul-2009)
800-819
(Apr-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
Trying out 3.0 one year
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| RicheyRich | $25.00 | $25.00 | 11/27/2010 7:42:48 AM |
| csandb | $25.00 | $25.00 | 11/30/2010 9:39:39 AM |
| BlessedEveryDay | $25.00 | $25.00 | 12/1/2010 6:22:14 AM |
| Earn_money | $25.00 | $25.00 | 12/1/2010 12:27:41 PM |
| indomitable-coin | $50.00 | $50.00 | 12/2/2010 10:16:48 AM |
| REITRUST | $25.00 | $25.00 | 12/2/2010 10:56:49 AM |
| CMDCO | $50.00 | $50.00 | 12/2/2010 9:33:58 AM |
| eastindianprince | $25.00 | $25.00 | 12/2/2010 2:50:42 AM |
| competent-p2p | $50.00 | $50.00 | 12/2/2010 7:58:01 AM |
| Scotcha | $50.00 | $40.85 | 12/2/2010 8:04:03 PM |
| GoGators01 | $25.00 | $25.00 | 11/26/2010 1:09:15 PM |
| sunny1985 | $25.00 | $25.00 | 12/2/2010 7:30:01 AM |
| AsianDragon | $50.00 | $50.00 | 12/2/2010 10:27:31 AM |
| MrSolution | $25.00 | $25.00 | 12/2/2010 2:41:57 PM |
| fund-javelin1 | $25.00 | $25.00 | 12/2/2010 2:50:49 PM |
| kinetic-social | $25.00 | $25.00 | 12/2/2010 2:43:47 PM |
| crmoir | $28.94 | $28.94 | 12/2/2010 10:24:13 AM |
| CollinsCrew | $25.21 | $25.21 | 12/2/2010 5:11:25 PM |
| UCSBGAUCHOS | $30.00 | $30.00 | 12/2/2010 6:24:53 PM |
| paramjit | $100.00 | $100.00 | 12/2/2010 6:35:40 PM |
| Jtomtom | $50.00 | $50.00 | 12/3/2010 12:57:33 AM |
| thegreatstrafe | $25.00 | $25.00 | 12/3/2010 9:21:15 AM |
| Xarach | $25.00 | $25.00 | 12/3/2010 8:47:01 AM |
| Nazbuster | $200.00 | $200.00 | 12/3/2010 10:39:49 AM |
| 24 bids
|
Borrower Payment Dependent Notes Series
486241
This series of Notes was issued and sold upon the funding of the borrower loan #45772, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,150.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Nov-30-2010 |
| |
Auction end date:
| Dec-03-2010 |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $137.55 |
|
Final lender yield:
| 31.20% |
Final borrower rate/APR:
| 32.20% / 35.86% |
Final monthly payment:
| $137.55 |
| |
|
Auction yield range:
| 13.57% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Dec-2006 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $226 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| commitment-investor |
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 hospital bill and 2 cards
Purpose of loan:
This loan will be used to pay off my debt for my hospital insurance when i got into a motorcycle accident and 2 of my credit cards for fixing my car.
My financial situation:
I am a good candidate for this loan because I will pay early. Give me 3-6 months and it will all be paid off. I've read into Dave Ramsey Total Money Makeover and I will use that to pay all this at once. I just finished paying off most of my credit card but then my motorcycle accident came along and also had to fix my car. I was going to be debt free credit card wise (except for my motorcycle payment) after my next paycheck. I am 21 and unemployed but I do get EDD benefits and make $950.00 every 2 weeks. I live with my parents and I don't pay house expenses.
Monthly net income: $ 1800.00
Monthly expenses: $
??Housing: $
0
??Insurance: $ 92.00
??Car expenses: $ 30 (gas)
??Utilities: $
0
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 40.00
??Clothing, household expenses $
0
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What's your outstanding hospital balance? - impressive-openness7
A:
It is $2,656.39
(Dec-01-2010)
Q:
Can you give us an approximate timeline for how long your EDD benefits will be guaranteed? Thanks. - clean-fund
A:
It is guaranteed until I find a jib.
(Dec-03-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| money-bauble | $25.00 | $25.00 | 11/30/2010 2:02:50 PM |
| ASR3 | $25.00 | $25.00 | 11/30/2010 2:05:56 PM |
| simplelender80 | $100.00 | $100.00 | 11/30/2010 2:10:29 PM |
| raisingophelia | $25.00 | $25.00 | 11/30/2010 2:46:14 PM |
| revenue-officer36 | $25.00 | $25.00 | 11/30/2010 2:58:09 PM |
| loan-scientist8 | $25.00 | $25.00 | 11/30/2010 3:01:07 PM |
| DonaldColorado | $50.00 | $50.00 | 11/30/2010 2:08:20 PM |
| bid-czar8 | $100.00 | $100.00 | 11/30/2010 2:09:06 PM |
| alexgalt | $100.00 | $100.00 | 11/30/2010 2:09:52 PM |
| Requiem | $25.00 | $25.00 | 11/30/2010 3:20:47 PM |
| soulful-truth | $143.43 | $143.43 | 11/30/2010 2:47:01 PM |
| selfmademan | $25.00 | $25.00 | 12/1/2010 1:12:33 AM |
| Share_The_Wealth | $36.44 | $36.44 | 12/1/2010 2:11:21 AM |
| Jonb6919 | $25.00 | $25.00 | 12/1/2010 2:46:44 AM |
| poppinkid | $25.00 | $25.00 | 12/1/2010 2:52:30 AM |
| JGB | $100.00 | $100.00 | 12/1/2010 2:46:55 AM |
| kulender | $50.00 | $50.00 | 11/30/2010 8:24:43 PM |
| bountiful-durability | $100.00 | $100.00 | 12/1/2010 3:36:00 AM |
| 87Marc | $25.00 | $25.00 | 12/1/2010 4:37:44 AM |
| DadWarbucks | $50.00 | $50.00 | 12/1/2010 2:03:43 AM |
| jga516 | $25.00 | $25.00 | 12/1/2010 2:24:23 AM |
| indomitable-dedication | $25.00 | $25.00 | 12/1/2010 9:15:35 AM |
| parsec9 | $25.00 | $25.00 | 12/1/2010 9:35:52 AM |
| ichibon | $25.00 | $25.00 | 12/1/2010 10:03:40 AM |
| env | $25.00 | $25.00 | 12/1/2010 2:07:53 PM |
| fund-javelin1 | $25.00 | $25.00 | 12/1/2010 10:20:05 AM |
| sensible-order2 | $50.00 | $50.00 | 12/1/2010 2:27:19 PM |
| ThisGuyIKnow | $25.00 | $25.00 | 12/1/2010 2:47:08 PM |
| charming-dime | $25.00 | $25.00 | 12/1/2010 11:07:30 AM |
| dedicated-transaction796 | $50.00 | $50.00 | 12/1/2010 2:58:57 PM |
| handshake5 | $100.00 | $100.00 | 12/1/2010 3:06:37 PM |
| texrob20 | $25.00 | $25.00 | 12/1/2010 2:02:11 PM |
| zebra806 | $25.00 | $25.00 | 12/1/2010 2:46:29 PM |
| jamiee73 | $25.00 | $25.00 | 12/1/2010 4:59:14 PM |
| kind-adventurous-finance | $31.55 | $31.55 | 12/2/2010 4:56:20 AM |
| liquid-lender | $44.73 | $44.73 | 12/2/2010 8:24:26 AM |
| alexgalt | $25.00 | $25.00 | 12/1/2010 10:10:12 PM |
| worthy-bid8 | $25.00 | $25.00 | 12/1/2010 10:28:47 PM |
| mspiggybank | $100.00 | $100.00 | 12/2/2010 5:07:04 AM |
| social-heart | $25.00 | $25.00 | 12/2/2010 4:46:59 PM |
| clean-fund | $25.00 | $25.00 | 12/3/2010 12:12:59 AM |
| Georgetastic | $25.00 | $12.40 | 12/3/2010 1:40:55 AM |
| dcap3 | $25.00 | $25.00 | 12/3/2010 5:09:24 AM |
| paytonbrigadier | $200.00 | $200.00 | 11/30/2010 2:08:30 PM |
| greenback-guard | $25.00 | $25.00 | 11/30/2010 2:13:27 PM |
| graceful-investment | $100.00 | $100.00 | 11/30/2010 2:00:36 PM |
| busylender35 | $25.00 | $25.00 | 11/30/2010 2:58:17 PM |
| tech310 | $25.00 | $25.00 | 11/30/2010 3:00:19 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/30/2010 2:09:45 PM |
| trade-boots1 | $25.00 | $25.00 | 11/30/2010 4:38:00 PM |
| happy-return4 | $29.51 | $29.51 | 11/30/2010 2:46:07 PM |
| desertoasis | $25.00 | $25.00 | 11/30/2010 6:38:13 PM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2010 8:03:24 PM |
| cloud8 | $25.00 | $25.00 | 11/30/2010 10:57:54 PM |
| worth-arch | $25.00 | $25.00 | 11/30/2010 10:58:59 PM |
| Tom579 | $42.14 | $42.14 | 12/1/2010 2:24:07 AM |
| lloyd_s | $25.00 | $25.00 | 11/30/2010 6:03:05 PM |
| Anny-Disco | $50.00 | $50.00 | 12/1/2010 3:35:32 AM |
| bold-currency-holly | $25.00 | $25.00 | 12/1/2010 3:06:52 AM |
| CreativeIdeas | $25.00 | $25.00 | 12/1/2010 4:37:40 AM |
| nowits10 | $25.00 | $25.00 | 12/1/2010 1:38:07 AM |
| kkcoolmom | $26.74 | $26.74 | 12/1/2010 2:02:08 AM |
| ThatDanGuy | $100.00 | $100.00 | 12/1/2010 7:33:48 AM |
| Kreditorium | $25.00 | $25.00 | 12/1/2010 2:25:15 AM |
| fund-web3 | $25.00 | $25.00 | 12/1/2010 4:37:41 AM |
| Artist_Blue | $25.00 | $25.00 | 12/1/2010 5:32:36 AM |
| kindness-hickory5 | $30.02 | $30.02 | 12/1/2010 8:57:37 AM |
| Malkial | $25.00 | $25.00 | 12/1/2010 2:45:34 PM |
| socalavi8tor | $25.00 | $25.00 | 12/1/2010 2:46:22 PM |
| bulsa | $100.00 | $100.00 | 12/1/2010 2:54:35 PM |
| Redmond | $25.00 | $25.00 | 12/1/2010 2:01:00 PM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:53:34 PM |
| jazzlender | $25.00 | $25.00 | 12/2/2010 5:21:29 AM |
| visionary-currency | $25.00 | $25.00 | 12/2/2010 8:29:43 AM |
| competent-p2p | $25.00 | $25.00 | 12/2/2010 11:11:13 AM |
| gadget7 | $28.04 | $28.04 | 12/3/2010 5:46:42 AM |
| 76 bids
|
Borrower Payment Dependent Notes Series
486401
This series of Notes was issued and sold upon the funding of the borrower loan #45686, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Dec-01-2010 |
| |
Auction end date:
| Dec-03-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $126.53 |
|
Final lender yield:
| 28.50% |
Final borrower rate/APR:
| 29.50% / 33.10% |
Final monthly payment:
| $126.53 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 5 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 15y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,338 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| beagle-lover |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off revolving credit lines
Purpose of loan:
This loan will be used to consolidate?four?revolving accounts that will save?around $230 per month. After I receive my February tax return I would then plan on paying down this loan to payoff quicker since the monthly payment is half of what I would be saving each month.??
My financial situation:
I am a good candidate for this loan because I have a good creadit score. I have never been late on any of these loans or revolcing accounts. More importantly I have never been late on my mortgage or car loans. I also plan in addition after receiving my tax return to pay a couple of other regular loans before interest is added. this will save another $200 per month. My overall plan is to cut my $900 per month loan and credit monthly amount in half by next summer!
Monthly net income: $ 5,660
Monthly expenses:??
??Housing: $ 2030
??Car Insurance: $ 145?
??Two Car loans: $ 920?
??Utilities: $ 320
??Phone, cable, internet: $ 140
??Food, entertainment: $ 200
??Clothing, household expenses $ N/A?
??Credit cards and other loans: $ 900??
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| money-bauble | $25.00 | $25.00 | 12/1/2010 3:42:44 PM |
| ASR3 | $25.00 | $25.00 | 12/1/2010 3:46:49 PM |
| hopeful-truth5 | $100.00 | $100.00 | 12/1/2010 3:45:28 PM |
| reflective-rupee | $300.00 | $300.00 | 12/1/2010 3:45:46 PM |
| DonaldColorado | $50.00 | $50.00 | 12/1/2010 3:48:01 PM |
| bid-czar8 | $100.00 | $100.00 | 12/1/2010 3:48:42 PM |
| Artist_Blue | $25.00 | $25.00 | 12/1/2010 3:54:38 PM |
| handshake5 | $100.00 | $64.56 | 12/1/2010 3:56:57 PM |
| Redmond | $25.00 | $25.00 | 12/1/2010 3:56:19 PM |
| euro-shrine | $25.00 | $25.00 | 12/1/2010 5:23:29 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/1/2010 5:36:50 PM |
| finance-prescription | $100.00 | $100.00 | 12/1/2010 3:47:21 PM |
| nickel-hickory | $50.00 | $50.00 | 12/1/2010 3:51:12 PM |
| deal-hickory5 | $50.00 | $50.00 | 12/1/2010 7:26:23 PM |
| ichibon | $50.00 | $50.00 | 12/1/2010 3:54:26 PM |
| penny-plato | $25.00 | $25.00 | 12/1/2010 4:12:27 PM |
| lendstats_com | $200.00 | $200.00 | 12/1/2010 4:41:00 PM |
| wwwUniversal | $25.00 | $25.00 | 12/1/2010 8:27:50 PM |
| bonus-chosen-one | $25.00 | $25.00 | 12/1/2010 8:38:14 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 12/1/2010 9:09:15 PM |
| alexgalt | $25.00 | $25.00 | 12/1/2010 10:17:22 PM |
| hopethisworks | $25.00 | $25.00 | 12/1/2010 6:53:31 PM |
| Cai8899 | $25.00 | $25.00 | 12/2/2010 12:59:14 AM |
| antrux | $25.00 | $25.00 | 12/2/2010 2:18:48 AM |
| wise-balanced-moola | $25.00 | $25.00 | 12/2/2010 5:26:47 PM |
| dcap3 | $25.00 | $25.00 | 12/3/2010 5:14:31 AM |
| brwnidgirl | $33.87 | $33.87 | 12/3/2010 8:31:03 AM |
| loaner-dude | $50.00 | $50.00 | 12/2/2010 10:45:31 PM |
| transaction-circuit | $50.00 | $50.00 | 12/1/2010 3:42:12 PM |
| finance-prescription | $50.00 | $50.00 | 12/1/2010 3:47:20 PM |
| paytonbrigadier | $200.00 | $200.00 | 12/1/2010 3:48:19 PM |
| Thylow | $100.00 | $100.00 | 12/1/2010 3:45:47 PM |
| kulender | $50.00 | $50.00 | 12/1/2010 3:53:16 PM |
| graceful-investment | $100.00 | $100.00 | 12/1/2010 3:38:58 PM |
| building_community | $25.00 | $25.00 | 12/1/2010 4:00:10 PM |
| iLoaner | $25.00 | $25.00 | 12/1/2010 5:24:23 PM |
| nilonc1 | $150.00 | $150.00 | 12/1/2010 6:55:17 PM |
| lendme2 | $25.00 | $25.00 | 12/1/2010 5:24:41 PM |
| simplelender80 | $100.00 | $100.00 | 12/1/2010 3:47:03 PM |
| ZPBSFinancialGroup | $25.00 | $25.00 | 12/1/2010 5:45:50 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 12/1/2010 3:49:31 PM |
| EngineersAlliance | $50.00 | $50.00 | 12/1/2010 8:33:03 PM |
| magnolia161 | $50.00 | $50.00 | 12/1/2010 9:09:09 PM |
| worthy-truth | $25.00 | $25.00 | 12/1/2010 8:27:37 PM |
| inspiring-reward | $43.25 | $43.25 | 12/1/2010 10:19:33 PM |
| get30inc | $33.32 | $33.32 | 12/1/2010 7:24:01 PM |
| danthemon35 | $25.00 | $25.00 | 12/2/2010 5:12:41 AM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:53:49 PM |
| Requiem | $25.00 | $25.00 | 12/2/2010 7:35:52 AM |
| grampy48 | $25.00 | $25.00 | 12/2/2010 1:20:13 PM |
| loanman2007 | $175.00 | $175.00 | 12/2/2010 11:34:27 AM |
| mercuriant | $25.00 | $25.00 | 12/2/2010 11:50:01 PM |
| HammerSmith | $25.00 | $25.00 | 12/3/2010 9:55:57 AM |
| 53 bids
|
Borrower Payment Dependent Notes Series
482508
This series of Notes was issued and sold upon the funding of the borrower loan #45674, 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-12-2010 |
| |
Auction end date:
| Nov-19-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Final lender yield:
| 31.00% |
Final borrower rate/APR:
| 32.00% / 35.65% |
Final monthly payment:
| $326.66 |
| |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 20.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jul-1972 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 14y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $22,056 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ATMBIZ |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 28 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $5,200.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2010)
680-699
(Apr-2010)
680-699
(Jan-2010)
680-699
(Dec-2009)
|
|
Principal balance:
| $1,394.05 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
ATM Biz new location.
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:
Nice improvement on your credit rating!
you did not list current income/expense??
the title is ATM Biz new Location - but how will this money help with a new location?? is it Office Space or Rental Location, Installation or buildout?? Elaborate?? - gpuck
A:
My current expense/ income changed only in a reduction of several bills, that's why my credit improved greatly. I am increasing my portfolio of ATM machines. I can increase my monthly income from surcharges coming from my machines,( $600 to $800 ), monthly. Three more ATM's will help me achieve my goal to increase and expand my small business.
Thanks for the question.
(Nov-17-2010)
Q:
Why would you accept a loan here for 34%, when you could get a business loan at a bank for 13%? - jpblan11
A:
It's not as easy as you would think to get a business loan with a score over 750.
I am very comfortable with this process and no hassle .
I will make over 60% interest on my machines to overcome the interest factor.
(Nov-18-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| UCLA4life | $25.00 | $25.00 | 11/12/2010 3:01:18 PM |
| Amber_Stone | $25.00 | $25.00 | 11/12/2010 4:25:38 PM |
| reflective-rupee | $88.00 | $88.00 | 11/15/2010 9:09:29 AM |
| lucrative-loan | $50.00 | $50.00 | 11/17/2010 1:42:53 AM |
| Hummer-Guy | $25.00 | $25.00 | 11/17/2010 2:40:51 PM |
| nextar | $205.30 | $205.30 | 11/17/2010 2:58:13 PM |
| Aberdeen | $999.99 | $999.99 | 11/17/2010 3:19:57 PM |
| Kash2010lu | $50.00 | $50.00 | 11/17/2010 5:00:10 PM |
| fabulous-community4 | $25.00 | $25.00 | 11/17/2010 10:52:45 PM |
| CatFunded | $25.00 | $25.00 | 11/18/2010 5:03:54 AM |
| AdamsWay | $30.00 | $30.00 | 11/18/2010 6:32:15 AM |
| GUIDOLANDIA | $25.00 | $25.00 | 11/18/2010 7:14:30 AM |
| courteous-note1 | $113.19 | $113.19 | 11/18/2010 8:15:51 AM |
| Kash2010lu | $25.00 | $25.00 | 11/18/2010 9:00:59 AM |
| sturdy-peace9 | $75.00 | $75.00 | 11/18/2010 10:00:38 AM |
| JayIsABear | $100.00 | $100.00 | 11/18/2010 9:49:02 AM |
| 340 | $36.52 | $36.52 | 11/18/2010 10:39:12 AM |
| loanman2007 | $125.00 | $125.00 | 11/18/2010 12:59:30 PM |
| DasMula | $123.01 | $123.01 | 11/18/2010 1:57:38 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 11/18/2010 2:28:28 PM |
| head | $25.00 | $25.00 | 11/18/2010 2:26:00 PM |
| Moe87 | $25.00 | $25.00 | 11/18/2010 2:56:16 PM |
| ultimate-peace | $50.00 | $50.00 | 11/18/2010 3:58:25 PM |
| Leshan | $66.66 | $66.66 | 11/18/2010 4:00:47 PM |
| vine99 | $60.00 | $60.00 | 11/18/2010 5:33:56 PM |
| bullish2bearish | $34.35 | $34.35 | 11/18/2010 4:56:33 PM |
| greenback-chairman5 | $25.00 | $25.00 | 11/18/2010 6:43:35 PM |
| mikelance7 | $25.00 | $25.00 | 11/18/2010 6:20:53 PM |
| realtormoises | $25.00 | $25.00 | 11/18/2010 7:13:21 PM |
| Shanynn | $50.00 | $50.00 | 11/18/2010 7:18:09 PM |
| zodiac100 | $35.00 | $35.00 | 11/18/2010 7:39:04 PM |
| first-aggresive-platinum | $25.00 | $25.00 | 11/18/2010 7:37:10 PM |
| Loanstou | $145.44 | $145.44 | 11/18/2010 7:53:45 PM |
| SFBank | $400.00 | $400.00 | 11/18/2010 8:24:34 PM |
| zone6 | $100.00 | $100.00 | 11/18/2010 8:39:59 PM |
| upbeat-wealth | $25.00 | $25.00 | 11/18/2010 11:37:51 PM |
| deadzed | $64.35 | $64.35 | 11/19/2010 5:35:06 AM |
| golffish2 | $100.00 | $100.00 | 11/19/2010 6:47:53 AM |
| testguy | $40.88 | $40.88 | 11/19/2010 6:49:30 AM |
| ds5184 | $25.00 | $25.00 | 11/19/2010 5:16:22 AM |
| WonByOne | $50.00 | $50.00 | 11/19/2010 3:21:46 AM |
| golffish2 | $100.00 | $100.00 | 11/19/2010 8:41:03 AM |
| djkaiser | $26.00 | $26.00 | 11/19/2010 8:42:02 AM |
| golffish2 | $100.00 | $100.00 | 11/19/2010 10:32:59 AM |
| Bekim | $30.00 | $30.00 | 11/19/2010 1:18:35 PM |
| mortgagemike | $25.00 | $25.00 | 11/19/2010 2:28:10 PM |
| autumn_leaves | $50.00 | $50.00 | 11/19/2010 2:19:40 PM |
| loan-kung-fu | $50.00 | $50.00 | 11/19/2010 2:23:43 PM |
| RecoveryLender | $25.00 | $25.00 | 11/19/2010 2:36:50 PM |
| reflective-rupee | $100.00 | $100.00 | 11/19/2010 2:16:28 PM |
| wise-friendly-dollar | $25.00 | $25.00 | 11/19/2010 2:36:42 PM |
| ekmendenhall | $55.00 | $55.00 | 11/12/2010 4:52:14 PM |
| usedtoborrow | $34.08 | $34.08 | 11/13/2010 12:35:29 AM |
| reflective-rupee | $88.00 | $88.00 | 11/15/2010 9:08:27 AM |
| genuine-integrity0 | $25.00 | $25.00 | 11/16/2010 5:24:38 PM |
| investment-artist | $50.00 | $50.00 | 11/17/2010 1:25:48 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/17/2010 5:27:29 PM |
| WMY-Investor | $100.00 | $100.00 | 11/17/2010 6:49:03 PM |
| El_Profesional | $25.00 | $25.00 | 11/17/2010 9:18:30 PM |
| wlm3012 | $25.00 | $25.00 | 11/18/2010 8:42:44 AM |
| gpuck | $25.00 | $25.00 | 11/18/2010 10:34:24 AM |
| bmw2 | $50.00 | $50.00 | 11/18/2010 12:32:50 PM |
| tlawed | $25.00 | $25.00 | 11/18/2010 12:07:54 PM |
| mikeandcat | $200.00 | $200.00 | 11/18/2010 1:29:08 PM |
| DenimCapital | $500.00 | $500.00 | 11/18/2010 1:52:11 PM |
| Soulphoniks-Holdings | $25.00 | $25.00 | 11/18/2010 2:33:16 PM |
| economy-popcorn | $25.00 | $25.00 | 11/18/2010 2:35:42 PM |
| YoungTaxMan | $230.47 | $230.47 | 11/18/2010 2:04:32 PM |
| mark1017-31 | $143.42 | $143.42 | 11/18/2010 2:57:02 PM |
| JauaFlash | $26.27 | $26.27 | 11/18/2010 4:04:17 PM |
| himistu22 | $25.00 | $25.00 | 11/18/2010 4:51:09 PM |
| futurechef11 | $25.00 | $25.00 | 11/18/2010 5:45:02 PM |
| travels536 | $25.00 | $25.00 | 11/18/2010 4:52:18 PM |
| supreme-hope | $25.00 | $25.00 | 11/18/2010 6:53:29 PM |
| jbloans | $25.00 | $25.00 | 11/18/2010 6:57:52 PM |
| Kqwik | $30.18 | $30.18 | 11/18/2010 7:44:19 PM |
| alterlatina | $25.00 | $25.00 | 11/18/2010 8:35:54 PM |
| Jerrys1951 | $25.00 | $25.00 | 11/18/2010 9:20:48 PM |
| platinum-enlightenment | $25.00 | $25.00 | 11/18/2010 10:25:16 PM |
| jpblan11 | $25.00 | $25.00 | 11/19/2010 5:11:08 AM |
| keeper24 | $25.00 | $25.00 | 11/19/2010 6:05:14 AM |
| SouthernRemarketing | $30.26 | $30.26 | 11/19/2010 6:34:01 AM |
| twjh | $25.00 | $25.00 | 11/19/2010 2:46:07 AM |
| healingangel22 | $25.00 | $25.00 | 11/19/2010 8:04:42 AM |
| draggon77 | $25.00 | $25.00 | 11/19/2010 6:12:09 AM |
| Champion_Lending | $25.00 | $25.00 | 11/19/2010 8:09:26 AM |
| Renoan | $33.52 | $33.52 | 11/19/2010 10:38:16 AM |
| quest0 | $25.00 | $25.00 | 11/19/2010 10:46:54 AM |
| bsmtloan | $165.00 | $165.00 | 11/19/2010 10:52:38 AM |
| ore-dojo | $50.00 | $50.00 | 11/19/2010 9:21:23 AM |
| gothampark | $25.00 | $25.00 | 11/19/2010 10:29:26 AM |
| orange-impartial-asset | $500.00 | $280.08 | 11/19/2010 12:55:28 PM |
| WZ3190 | $25.03 | $25.03 | 11/19/2010 1:45:19 PM |
| malomar66 | $50.00 | $50.00 | 11/19/2010 12:10:19 PM |
| Bob450 | $35.00 | $35.00 | 11/19/2010 1:49:49 PM |
| Zoomzoom22 | $100.00 | $100.00 | 11/19/2010 2:35:18 PM |
| payout-bridge | $150.00 | $150.00 | 11/19/2010 2:43:59 PM |
| finance-mammalian2 | $25.00 | $25.00 | 11/19/2010 2:32:23 PM |
| autumn_leaves | $50.00 | $50.00 | 11/19/2010 2:20:33 PM |
| autumn_leaves | $50.00 | $50.00 | 11/19/2010 2:24:13 PM |
| autumnae | $100.00 | $100.00 | 11/19/2010 2:27:48 PM |
| thebadpelican | $25.00 | $25.00 | 11/19/2010 2:30:18 PM |
| rate-negotiator | $25.00 | $25.00 | 11/19/2010 2:37:02 PM |
| 103 bids
|
Borrower Payment Dependent Notes Series
484004
This series of Notes was issued and sold upon the funding of the borrower loan #45677, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,600.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Nov-29-2010 |
| |
Auction end date:
| Nov-30-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $109.66 |
|
Final lender yield:
| 28.50% |
Final borrower rate/APR:
| 29.50% / 33.10% |
Final monthly payment:
| $109.66 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 6 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $298 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| prestar |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Tax Accounting Expansion
?I am a practicing tax accountant for almost ten years. I have been with the same firm for the last 3+ years. Over the last 12 months I have been building my own client base with the intention of going out on my own eventually. Right now I have about 20+ business clients & 45 individual clients. I will use this loan to expand my practice by purchasing my own tax and accounting software and finishing my website. I am not really concerned with the interest rate on this listing because I intend to payoff the loan by April with tax prep money from my existing clients as it comes in. For this same reason once this loan is funded I intend to close it to additional lenders. I also want to get this funded as soon as possible because I would like to finish my website in time to use it to drum up more business in the months of December and January. In anticipation?of?questions regarding my credit: In 2005-2006 I lost my job and had a duplex foreclosed on. I also fell behind on some personal loans, medical bills and credit cards I had. Since then I have climbed out of that hole, got married, bought a house and paid everything off. I have been a Prosper lender since November 2007 but this is the first loan I've requested. Questions welcome. I am a good candidate for this loan because? My wife and I live very frugally. We have no kids and carry very little debt. With my income we pay all of the house hold expenses. Her income has been used in the past for luxuries like vacations & home improvement projects. I own my car and have recently paid off and closed my last credit card. The only thing I have left is the mortgage (I co-sign on my wife's car loan, but she makes the payments). My Monthly Income: $3,100.00 (After taxes.) ? Housing: $ 1,412.00
??Insurance: $ Health Ins paid through wife's work; Term Life ins $14/month.
??Car expenses: $ 120.00 Gasoline; Car insurance prepaid for six months.
??Utilities: $ 85.00
??Phone, cable, internet: $100.00 Cell Phone; $38 internet; no cable or satelite.
??Food, entertainment: $ 60.00 Movies & dinners out, etc.
??Clothing, household expenses $660.00 Groceries
??Credit cards and other loans: $ n/a
??Other expenses: $ n/a
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hopeful-truth5 | $75.00 | $75.00 | 11/29/2010 2:59:55 PM |
| kulender | $50.00 | $50.00 | 11/29/2010 3:05:42 PM |
| bulsa | $100.00 | $100.00 | 11/29/2010 3:02:21 PM |
| reflective-rupee | $100.00 | $100.00 | 11/29/2010 3:15:34 PM |
| ASR3 | $25.00 | $25.00 | 11/29/2010 3:12:43 PM |
| reflective-rupee | $100.00 | $100.00 | 11/29/2010 3:15:44 PM |
| finance-prescription | $100.00 | $100.00 | 11/29/2010 3:16:38 PM |
| jazzlender | $25.00 | $25.00 | 11/29/2010 3:18:57 PM |
| DonaldColorado | $50.00 | $50.00 | 11/29/2010 3:19:55 PM |
| paytonbrigadier | $200.00 | $200.00 | 11/29/2010 3:21:03 PM |
| trade-boots1 | $100.00 | $100.00 | 11/29/2010 3:24:04 PM |
| greenback-guard | $25.00 | $25.00 | 11/29/2010 3:23:18 PM |
| Mariner3605 | $50.00 | $50.00 | 11/29/2010 3:29:37 PM |
| bid-czar8 | $100.00 | $100.00 | 11/29/2010 3:22:23 PM |
| DonTraveler99 | $26.89 | $26.89 | 11/29/2010 4:40:30 PM |
| alexgalt | $25.00 | $25.00 | 11/29/2010 10:59:08 PM |
| integrity-palm9 | $107.97 | $107.97 | 11/29/2010 11:20:47 PM |
| SolarMoonshine | $200.00 | $200.00 | 11/29/2010 5:58:05 PM |
| loanman2007 | $100.00 | $100.00 | 11/30/2010 6:10:58 AM |
| beest | $51.86 | $51.86 | 11/30/2010 10:19:32 AM |
| orange-impartial-asset | $500.00 | $500.00 | 11/30/2010 11:02:54 AM |
| wwwUniversal | $25.00 | $25.00 | 11/30/2010 11:10:19 AM |
| graceful-investment | $100.00 | $100.00 | 11/29/2010 2:56:04 PM |
| loyalist1 | $50.00 | $50.00 | 11/29/2010 2:58:21 PM |
| simplelender80 | $100.00 | $100.00 | 11/29/2010 3:12:47 PM |
| finance-prescription | $50.00 | $50.00 | 11/29/2010 3:15:48 PM |
| Artist_Blue | $25.00 | $25.00 | 11/29/2010 3:26:55 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/29/2010 3:27:38 PM |
| commerce-yeller | $25.00 | $6.13 | 11/29/2010 3:30:24 PM |
| musegaze | $32.15 | $32.15 | 11/29/2010 3:33:55 PM |
| diversification-enlistment | $25.00 | $25.00 | 11/30/2010 9:59:59 AM |
| interstellar | $50.00 | $50.00 | 11/30/2010 11:10:02 AM |
| 32 bids
|
Borrower Payment Dependent Notes Series
484116
This series of Notes was issued and sold upon the funding of the borrower loan #45701, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Nov-26-2010 |
| |
Auction end date:
| Dec-02-2010 |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $131.00 |
|
Final lender yield:
| 31.20% |
Final borrower rate/APR:
| 32.20% / 35.86% |
Final monthly payment:
| $131.00 |
| |
|
Auction yield range:
| 13.57% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1980 |
Debt/Income ratio:
| 48% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
17 | Length of status: | 30y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $60,731 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| generous-marketplace5 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Assist sister diagnosed with MS
Purpose of loan:
This loan will be used to assist my sister recently diagnosed with multiple sclerosis. Our mother is dying from lung cancer and had been helping her until she depleted her own funds. Sister has two teen boys and?has been separated from her husband over two years. While married he did not believe in paying for health insurance so?she has outstanding medical bills from 15 years. She currently works part time job and can purchase insurance but is paying nearly $800 a month to cover her and the boys.?She is unable to qualify for assistance until she is legally divorced and files a bankruptcy.
My financial situation:
I am a good candidate for this loan because I have a good full time job and work a seasonal part time job. Previously, I have worked three jobs?at the same time.?I have depleted my savings to help her family and find myself particularly short until my part time funds come in February. I do anticipate paying this off in less than the estimated three years.
Monthly net income: $ 6161
Monthly expenses: $
??Housing: $ 1312
??Insurance: $ 175
??Car expenses: $ 404
??Utilities: $ 250
??Phone, cable, internet: $ 250
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1649
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $100.00 | $100.00 | 11/26/2010 12:50:08 PM |
| tech310 | $50.00 | $50.00 | 11/26/2010 12:50:48 PM |
| ASR3 | $25.00 | $25.00 | 11/26/2010 12:58:37 PM |
| kulender | $50.00 | $50.00 | 11/26/2010 12:59:02 PM |
| DonaldColorado | $50.00 | $50.00 | 11/26/2010 1:04:18 PM |
| AlexTrep | $25.00 | $25.00 | 11/26/2010 1:03:16 PM |
| jazzlender | $25.00 | $25.00 | 11/26/2010 1:03:40 PM |
| bid-czar8 | $100.00 | $100.00 | 11/26/2010 2:52:58 PM |
| trade-boots1 | $100.00 | $100.00 | 11/26/2010 5:29:08 PM |
| soulful-truth | $92.27 | $92.27 | 11/26/2010 8:02:43 PM |
| 850 | $50.00 | $50.00 | 11/26/2010 9:52:46 PM |
| gain-gourd | $100.00 | $100.00 | 11/29/2010 11:22:30 AM |
| Bookophile | $50.00 | $50.00 | 11/29/2010 11:26:09 AM |
| meers2000 | $25.00 | $25.00 | 12/1/2010 3:12:53 PM |
| loan-kung-fu | $500.00 | $500.00 | 12/1/2010 3:58:29 PM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:05:29 PM |
| RebuildingAmerica | $25.00 | $25.00 | 12/1/2010 6:32:31 PM |
| melodious-openness | $100.00 | $100.00 | 12/1/2010 5:04:54 PM |
| Ven58 | $25.00 | $25.00 | 12/2/2010 12:58:51 AM |
| kendigme | $25.00 | $25.00 | 12/2/2010 4:09:24 AM |
| unger | $50.00 | $50.00 | 12/2/2010 5:14:24 AM |
| Bob450 | $25.00 | $25.00 | 12/2/2010 7:58:01 AM |
| wach | $25.00 | $25.00 | 12/2/2010 7:02:39 AM |
| raisingophelia | $25.00 | $25.00 | 11/26/2010 12:58:45 PM |
| Mariner3605 | $50.00 | $50.00 | 11/26/2010 1:02:55 PM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 1:03:58 PM |
| paytonbrigadier | $200.00 | $200.00 | 11/26/2010 1:05:03 PM |
| nybanker85 | $30.00 | $30.00 | 11/26/2010 7:35:09 PM |
| bulsa | $100.00 | $100.00 | 11/26/2010 8:45:31 PM |
| Artist_Blue | $25.00 | $25.00 | 11/26/2010 11:09:01 PM |
| velocity-solo | $25.00 | $25.00 | 11/27/2010 8:57:51 AM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/27/2010 12:14:57 PM |
| Share_The_Wealth | $50.00 | $50.00 | 11/27/2010 11:49:33 AM |
| simplelender80 | $100.00 | $100.00 | 11/28/2010 1:42:24 PM |
| investment-comet | $25.00 | $25.00 | 11/28/2010 1:41:02 PM |
| bountiful-durability | $100.00 | $100.00 | 11/29/2010 5:19:30 AM |
| money-bauble | $100.00 | $100.00 | 11/29/2010 8:43:01 AM |
| DadWarbucks | $50.00 | $50.00 | 11/29/2010 11:44:07 AM |
| LiveNow | $25.00 | $25.00 | 11/29/2010 11:53:50 AM |
| brother_tam | $50.00 | $35.95 | 11/29/2010 12:39:13 PM |
| Galt_Capitalist | $205.00 | $205.00 | 12/1/2010 9:20:07 AM |
| fund-javelin1 | $25.00 | $25.00 | 12/1/2010 10:10:43 AM |
| RyanM561 | $25.00 | $25.00 | 12/1/2010 10:59:50 PM |
| glenium | $25.00 | $25.00 | 12/2/2010 3:13:39 AM |
| Pu239 | $36.78 | $36.78 | 12/2/2010 2:31:27 AM |
| draggon77 | $25.00 | $25.00 | 12/2/2010 3:38:57 AM |
| mammalian4 | $25.00 | $25.00 | 12/2/2010 4:19:31 AM |
| 47 bids
|
Borrower Payment Dependent Notes Series
484554
This series of Notes was issued and sold upon the funding of the borrower loan #45766, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Nov-16-2010 |
| |
Auction end date:
| Nov-23-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $112.17 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 34.63% |
Final monthly payment:
| $107.50 |
| |
|
Auction yield range:
| 13.57% - 33.35% |
Estimated loss impact:
| 15.58% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.42% | | |
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):
| 6 |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $1,917 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cozy-principal9 |
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
People Helping People
Purpose of loan:
This loan will be used for my daughters intial orthodontic care.? We?have put off her dental work?for?six months as my wife and I are trying to secure the total necessary?funds.? We have saved $4000 of the projected $6500 necessary.? We CANNOT put off my daughter's dental work?any longer and she starts her appointments this month.? We would feel better knowing that we have secured all of the necessary funds to ensure no interruption in her care.? We (our entire family) sincerely appreciate your generosity in advance!
My financial situation:
I am a good candidate for this loan because my work is steady and my wife's work is steady.? We consistently pay our bills on time and we can easily manage?smaller monthly payments?
Monthly net income: $ 4,300
Monthly expenses: $ 3,370
??Housing: $?990
??Insurance: $ 368
??Car expenses: $ 465?
??Utilities: $ 375
??Phone, cable, internet: $ 147
??Food, entertainment: $ 700?
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 150
??Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| transaction-circuit | $50.00 | $50.00 | 11/16/2010 3:45:17 PM |
| Thylow | $25.00 | $25.00 | 11/16/2010 3:43:27 PM |
| foothillender | $25.00 | $25.00 | 11/17/2010 10:00:12 AM |
| timepassport | $25.00 | $25.00 | 11/17/2010 10:11:42 AM |
| daekpon | $25.00 | $25.00 | 11/18/2010 8:27:43 AM |
| Lonely_Hunter | $25.00 | $25.00 | 11/18/2010 11:55:08 AM |
| naptap | $50.00 | $50.00 | 11/18/2010 5:29:15 PM |
| newest-investment-elevator | $25.00 | $25.00 | 11/18/2010 7:53:46 PM |
| element40 | $100.00 | $100.00 | 11/19/2010 10:18:52 AM |
| DHolly | $30.00 | $30.00 | 11/19/2010 6:11:33 PM |
| precious-coin3 | $25.00 | $25.00 | 11/20/2010 5:08:48 AM |
| careful-compassion | $25.00 | $25.00 | 11/21/2010 10:30:57 AM |
| nickel-hickory | $64.79 | $64.79 | 11/21/2010 4:21:49 PM |
| maccpro1 | $50.00 | $50.00 | 11/21/2010 4:30:29 PM |
| profitable-balance | $25.00 | $25.00 | 11/21/2010 11:49:59 AM |
| FerventOne | $31.10 | $31.10 | 11/22/2010 4:54:14 AM |
| deepblue34 | $25.00 | $25.00 | 11/22/2010 4:32:09 PM |
| fund-secret-agent | $25.00 | $25.00 | 11/22/2010 12:53:20 PM |
| orange-pound-party | $35.00 | $35.00 | 11/22/2010 4:56:28 PM |
| realtormoises | $25.00 | $25.00 | 11/22/2010 4:27:01 PM |
| Socal | $25.00 | $25.00 | 11/22/2010 6:45:37 PM |
| point-tornado | $25.00 | $25.00 | 11/22/2010 9:22:13 PM |
| culldud6900 | $30.00 | $30.00 | 11/22/2010 6:39:41 PM |
| himistu22 | $25.00 | $25.00 | 11/22/2010 8:04:12 PM |
| favorite-commerce | $50.00 | $50.00 | 11/23/2010 8:10:44 AM |
| the-determined-value | $50.00 | $50.00 | 11/23/2010 9:29:00 AM |
| WMY-Investor | $100.00 | $83.46 | 11/23/2010 8:46:58 AM |
| friendinmoney | $25.00 | $25.00 | 11/23/2010 9:11:47 AM |
| moola-monger9 | $50.00 | $50.00 | 11/23/2010 1:37:22 PM |
| Stek7 | $25.00 | $25.00 | 11/18/2010 9:45:31 AM |
| intuitive-bill | $25.00 | $25.00 | 11/18/2010 10:15:01 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/19/2010 4:13:32 AM |
| five-star-bid2 | $25.00 | $25.00 | 11/19/2010 10:30:33 AM |
| Runegeld | $50.00 | $50.00 | 11/19/2010 11:20:15 AM |
| Sudoku | $50.00 | $50.00 | 11/20/2010 6:45:42 AM |
| nodebt2012 | $25.00 | $25.00 | 11/20/2010 9:34:25 AM |
| montegomm | $50.00 | $50.00 | 11/21/2010 5:05:54 AM |
| aztocas | $25.00 | $25.00 | 11/21/2010 5:25:12 PM |
| Kash2010lu | $25.00 | $25.00 | 11/21/2010 2:56:33 PM |
| daekpon | $25.00 | $25.00 | 11/22/2010 4:53:16 PM |
| Decent | $42.28 | $42.28 | 11/22/2010 4:41:37 PM |
| openness-prospector | $25.00 | $25.00 | 11/22/2010 6:42:43 PM |
| capital-kingdom | $50.00 | $50.00 | 11/22/2010 7:31:05 PM |
| thankful-nickel2 | $25.00 | $25.00 | 11/22/2010 8:00:53 PM |
| Bob450 | $25.00 | $25.00 | 11/22/2010 8:23:51 PM |
| silver-bluebird | $25.00 | $25.00 | 11/22/2010 10:43:50 PM |
| radiant-loan5 | $200.00 | $200.00 | 11/23/2010 5:36:00 AM |
| ralf206 | $33.37 | $33.37 | 11/23/2010 8:23:18 AM |
| reliable-silver7 | $50.00 | $50.00 | 11/23/2010 7:48:01 AM |
| Astyanax | $75.00 | $75.00 | 11/23/2010 11:18:47 AM |
| ultimate-peace | $300.00 | $300.00 | 11/23/2010 2:31:48 PM |
| wild-orange | $25.00 | $25.00 | 11/23/2010 12:05:45 PM |
| wealth-multiplier | $25.00 | $25.00 | 11/23/2010 2:58:54 PM |
| priceless-euro0 | $25.00 | $25.00 | 11/23/2010 3:21:02 PM |
| dough-hammock | $25.00 | $25.00 | 11/23/2010 3:40:35 PM |
| blue-useful-auction | $25.00 | $25.00 | 11/23/2010 3:40:55 PM |
| dime-explosion | $50.00 | $50.00 | 11/23/2010 2:50:13 PM |
| master648 | $25.00 | $25.00 | 11/23/2010 3:08:11 PM |
| dudebrah | $25.00 | $25.00 | 11/23/2010 3:39:47 PM |
| 59 bids
|
Borrower Payment Dependent Notes Series
484856
This series of Notes was issued and sold upon the funding of the borrower loan #45756, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Nov-18-2010 |
| |
Auction end date:
| Nov-24-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| May-2007 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 600-619 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,192 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Xamdogg |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 30 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2009)
520-539
(Mar-2008)
540-559
(Feb-2008)
|
|
Principal balance:
| $2,176.89 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
lowering interest on current loan
Purpose of loan:
This loan will be used to? pay off current prosper loan to lower interest rate..
My financial situation:
I am a good candidate for this loan because? i have had 2 prosper loans and i payed off one and the current on is in good standing
Monthly net income: $ 2,136
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Thylow | $100.00 | $100.00 | 11/18/2010 2:41:03 PM |
| glroark | $50.00 | $50.00 | 11/18/2010 2:47:33 PM |
| good4loan | $25.00 | $25.00 | 11/18/2010 4:07:12 PM |
| graceful-investment | $100.00 | $100.00 | 11/18/2010 5:22:58 PM |
| money-bauble | $25.00 | $25.00 | 11/18/2010 5:54:16 PM |
| Kash2010lu | $25.00 | $25.00 | 11/18/2010 11:42:07 PM |
| OldManP | $25.00 | $25.00 | 11/19/2010 2:32:03 AM |
| velocity-solo | $25.00 | $25.00 | 11/19/2010 3:06:09 PM |
| BankofBen | $25.00 | $25.00 | 11/19/2010 3:31:08 PM |
| Amber_Stone | $25.00 | $25.00 | 11/20/2010 6:25:21 AM |
| secondreality | $25.00 | $25.00 | 11/20/2010 7:35:22 AM |
| big_balla_papi | $25.00 | $25.00 | 11/20/2010 10:34:31 AM |
| UCLA4life | $25.00 | $25.00 | 11/20/2010 7:58:04 AM |
| Ubiquinone | $25.00 | $25.00 | 11/20/2010 8:30:00 AM |
| bluehen00 | $25.00 | $25.00 | 11/20/2010 4:06:24 PM |
| Artist_Blue | $25.00 | $25.00 | 11/22/2010 6:09:12 AM |
| eboomer2611 | $25.00 | $25.00 | 11/22/2010 5:32:05 PM |
| jwsun90 | $250.00 | $250.00 | 11/23/2010 12:21:04 AM |
| Aberdeen | $999.99 | $999.99 | 11/23/2010 12:28:31 AM |
| neorunner | $25.00 | $25.00 | 11/23/2010 8:53:17 AM |
| loanman2007 | $200.00 | $200.00 | 11/23/2010 6:32:46 AM |
| ah-long | $25.00 | $25.00 | 11/23/2010 4:06:29 PM |
| inspiring-reward | $85.55 | $85.55 | 11/23/2010 4:31:32 PM |
| dunrizzo | $25.00 | $25.00 | 11/23/2010 6:16:02 PM |
| Bob450 | $25.00 | $25.00 | 11/23/2010 6:58:33 PM |
| zone6 | $100.00 | $100.00 | 11/23/2010 8:55:35 PM |
| head | $25.00 | $25.00 | 11/23/2010 10:26:44 PM |
| brother_tam | $25.77 | $25.77 | 11/18/2010 4:54:10 PM |
| JustMee | $25.00 | $25.00 | 11/18/2010 8:56:25 PM |
| reflective-rupee | $25.11 | $25.11 | 11/18/2010 9:51:31 PM |
| tech310 | $25.00 | $25.00 | 11/18/2010 11:36:31 PM |
| forthright-dedication | $25.00 | $25.00 | 11/19/2010 3:04:53 PM |
| agiovasil | $25.00 | $25.00 | 11/20/2010 3:49:30 AM |
| innovator2 | $25.00 | $25.00 | 11/20/2010 11:17:57 AM |
| ASR3 | $25.00 | $25.00 | 11/21/2010 5:30:40 PM |
| Comoparklender | $25.00 | $25.00 | 11/22/2010 8:01:53 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/23/2010 4:13:19 AM |
| selector568 | $50.00 | $50.00 | 11/23/2010 12:30:51 AM |
| blitzen40 | $25.00 | $25.00 | 11/23/2010 8:04:08 AM |
| AF-Chief | $33.64 | $33.64 | 11/23/2010 10:14:14 AM |
| FarmersBank | $25.00 | $25.00 | 11/23/2010 2:02:51 PM |
| flwah | $25.00 | $25.00 | 11/23/2010 4:26:28 PM |
| oath163 | $25.00 | $25.00 | 11/23/2010 4:10:23 PM |
| bulsa | $87.10 | $87.10 | 11/23/2010 4:36:43 PM |
| reward-adventure | $50.00 | $17.84 | 11/23/2010 4:37:08 PM |
| spectrumlend | $50.00 | $50.00 | 11/23/2010 7:49:54 PM |
| villagers | $25.00 | $25.00 | 11/23/2010 4:35:39 PM |
| dynamic-capital | $25.00 | $25.00 | 11/23/2010 11:36:51 PM |
| 48 bids
|
Borrower Payment Dependent Notes Series
484946
This series of Notes was issued and sold upon the funding of the borrower loan #45757, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,700.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Nov-19-2010 |
| |
Auction end date:
| Nov-25-2010 |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $161.56 |
|
Final lender yield:
| 31.20% |
Final borrower rate/APR:
| 32.20% / 35.86% |
Final monthly payment:
| $161.56 |
| |
|
Auction yield range:
| 13.57% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
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:
| Jan-1998 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 8y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Fireman |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| instrument439 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to?
for home improvement of bathroom, replacing all closet doors,molding?and painting?6 rooms..
My financial situation:
I am a good candidate for this loan because I have come from the brink of bankrupties and is continuing to improve my situation.. The delinquent history is from bankrupties with my house where I continue to live.?I hadn't been late on any of my accounts for seven plus?years and counting.?I? have also recovered from two failed marriages within the last 12 years. I plan to have loan paid in full before loan ends.
Monthly net income: $ 2560
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $?
??Utilities: $
??Phone, cable, internet: $?
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $???Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
what are your fixed monthly expenses?(please include $ with description) - beakerfish
A:
House 402
cable,phone.internet 147
gas.lights,water 154
No car payment
let me no what else you need. Thanks
(Nov-19-2010)
Q:
After 2 marriages in 12 years are you ready to bed down with a gal with out ring? You plan to pay the loan of early approximately how early are you thinking - KTOWN
A:
I don't have a problem with marriage it just didn't workout at the time.I plan to pay loan 18-24 months. Thanks
(Nov-22-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| loyalist1 | $50.00 | $50.00 | 11/19/2010 3:56:06 PM |
| tech310 | $50.00 | $50.00 | 11/19/2010 4:07:35 PM |
| velocity-solo | $25.00 | $25.00 | 11/19/2010 5:17:45 PM |
| MikeyZ2008 | $100.00 | $100.00 | 11/19/2010 5:28:01 PM |
| ASR3 | $25.00 | $25.00 | 11/20/2010 7:10:53 AM |
| kulender | $50.00 | $50.00 | 11/20/2010 4:43:13 AM |
| finance-mushroom | $100.00 | $100.00 | 11/21/2010 2:15:37 AM |
| investment-comet | $25.00 | $25.00 | 11/21/2010 10:29:41 AM |
| radiant-loan5 | $25.00 | $25.00 | 11/22/2010 5:43:13 AM |
| 108lender | $49.15 | $49.15 | 11/22/2010 6:50:01 AM |
| ommcd | $25.00 | $25.00 | 11/22/2010 5:06:51 PM |
| miked8303 | $25.00 | $25.00 | 11/22/2010 5:10:32 PM |
| inspiring-reward | $100.00 | $100.00 | 11/22/2010 5:26:41 PM |
| psa1995 | $25.00 | $25.00 | 11/23/2010 9:22:33 AM |
| burrito6 | $25.00 | $25.00 | 11/23/2010 7:23:23 AM |
| independent-silver9 | $25.00 | $25.00 | 11/23/2010 9:46:34 AM |
| ingenious-deal6 | $25.00 | $25.00 | 11/23/2010 4:03:48 PM |
| FeedTheMachine | $50.00 | $50.00 | 11/23/2010 4:46:58 PM |
| income-sage9 | $25.00 | $25.00 | 11/23/2010 4:34:32 PM |
| treasure-bliss | $50.00 | $50.00 | 11/24/2010 2:12:36 AM |
| bulsa | $100.00 | $100.00 | 11/24/2010 3:00:55 AM |
| finance-prescription | $50.00 | $50.00 | 11/24/2010 7:52:32 AM |
| orange-preeminant-bill | $50.00 | $50.00 | 11/24/2010 2:09:34 AM |
| ingenious-truth0 | $32.94 | $32.94 | 11/24/2010 9:03:27 AM |
| point-kitten6 | $50.00 | $50.00 | 11/24/2010 10:16:03 AM |
| mketelecom | $25.00 | $25.00 | 11/24/2010 10:17:30 AM |
| MedLend | $50.00 | $50.00 | 11/24/2010 12:08:23 PM |
| bazaar-festivity | $25.00 | $25.00 | 11/24/2010 11:17:07 AM |
| DrStaff | $30.00 | $30.00 | 11/24/2010 12:53:19 PM |
| circuitfive | $25.00 | $25.00 | 11/24/2010 2:02:50 PM |
| consummate-loyalty1 | $26.91 | $26.91 | 11/24/2010 3:15:02 PM |
| MissionMicroFinance | $25.00 | $25.00 | 11/24/2010 3:33:50 PM |
| momoney2lend | $25.00 | $25.00 | 11/24/2010 3:35:36 PM |
| gotjack | $25.00 | $25.00 | 11/24/2010 3:37:02 PM |
| thebadpelican | $26.00 | $26.00 | 11/24/2010 3:54:56 PM |
| divedude | $25.00 | $25.00 | 11/24/2010 6:49:18 PM |
| new-social-economist | $53.14 | $53.14 | 11/24/2010 7:43:55 PM |
| veneziani | $25.00 | $25.00 | 11/24/2010 7:44:41 PM |
| ideal-platinum1 | $50.00 | $50.00 | 11/24/2010 9:38:30 PM |
| LAM26 | $25.00 | $25.00 | 11/25/2010 12:14:04 AM |
| Digs | $25.00 | $25.00 | 11/25/2010 12:43:35 AM |
| worth-jedi5 | $27.56 | $27.56 | 11/24/2010 6:58:49 PM |
| retirementlady | $25.00 | $25.00 | 11/24/2010 6:59:04 PM |
| chief_wo | $25.00 | $25.00 | 11/24/2010 6:47:52 PM |
| a-power-amigo | $25.00 | $25.00 | 11/24/2010 6:50:06 PM |
| calsig1363 | $25.00 | $25.00 | 11/24/2010 9:38:17 PM |
| IIP77 | $25.00 | $25.00 | 11/24/2010 6:52:16 PM |
| larrybird | $50.11 | $50.11 | 11/25/2010 12:14:02 AM |
| scappellee | $25.00 | $25.00 | 11/24/2010 7:58:07 PM |
| Sibelius2 | $25.00 | $3.47 | 11/25/2010 1:00:42 AM |
| asset-yoga6 | $30.98 | $30.98 | 11/24/2010 8:12:47 PM |
| brazilofmux | $30.87 | $30.87 | 11/25/2010 12:45:34 AM |
| brother_tam | $50.00 | $50.00 | 11/19/2010 3:38:53 PM |
| bid-czar8 | $100.00 | $100.00 | 11/19/2010 4:03:45 PM |
| raisingophelia | $25.00 | $25.00 | 11/19/2010 3:55:18 PM |
| gallant-economy9 | $44.83 | $44.83 | 11/19/2010 4:17:44 PM |
| graceful-investment | $68.76 | $68.76 | 11/19/2010 4:05:05 PM |
| matt_2006 | $25.00 | $25.00 | 11/20/2010 7:38:00 AM |
| valiant-liberty4 | $25.00 | $25.00 | 11/20/2010 12:53:20 PM |
| Comoparklender | $25.00 | $25.00 | 11/21/2010 5:49:20 PM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/22/2010 7:17:55 AM |
| Artist_Blue | $25.00 | $25.00 | 11/22/2010 6:05:18 AM |
| gold-channel2 | $50.00 | $50.00 | 11/22/2010 5:02:00 PM |
| MadHun | $50.00 | $50.00 | 11/22/2010 5:35:02 PM |
| Wellman | $50.00 | $50.00 | 11/22/2010 6:15:18 PM |
| Bob450 | $30.00 | $30.00 | 11/22/2010 8:26:52 PM |
| payment-gusto | $25.00 | $25.00 | 11/23/2010 3:57:54 AM |
| ferocious-exchange3 | $50.00 | $50.00 | 11/23/2010 9:59:21 AM |
| SolarMoonshine | $25.00 | $25.00 | 11/23/2010 5:41:23 PM |
| AF-Chief | $35.00 | $35.00 | 11/23/2010 4:36:28 PM |
| ah-long | $25.00 | $25.00 | 11/23/2010 7:00:21 PM |
| unclejaef | $25.00 | $25.00 | 11/23/2010 4:48:41 PM |
| MrBailey | $30.47 | $30.47 | 11/23/2010 9:27:47 PM |
| DreDub | $32.00 | $32.00 | 11/24/2010 2:25:03 AM |
| radiant-fund | $50.00 | $50.00 | 11/23/2010 7:43:30 PM |
| AlexTrep | $25.00 | $25.00 | 11/24/2010 12:10:22 AM |
| dollar-sonnet3 | $25.00 | $25.00 | 11/24/2010 9:23:12 AM |
| exchange-pledge | $25.00 | $25.00 | 11/24/2010 9:34:52 AM |
| Elbanko | $50.00 | $50.00 | 11/24/2010 8:38:24 AM |
| famous-bill | $25.00 | $25.00 | 11/24/2010 9:23:08 AM |
| newest-inspiring-power | $25.00 | $25.00 | 11/24/2010 10:17:32 AM |
| Midwestvalues | $30.00 | $30.00 | 11/24/2010 12:22:46 PM |
| Inquisitor06 | $50.00 | $50.00 | 11/24/2010 10:18:49 AM |
| teller | $50.00 | $50.00 | 11/24/2010 12:09:27 PM |
| DUDE66 | $50.00 | $50.00 | 11/24/2010 1:27:52 PM |
| reflective-cash0 | $50.00 | $50.00 | 11/24/2010 3:38:29 PM |
| minddoc | $25.00 | $25.00 | 11/24/2010 4:17:16 PM |
| flwah | $25.00 | $25.00 | 11/24/2010 3:35:56 PM |
| firewomin | $40.81 | $40.81 | 11/24/2010 5:34:22 PM |
| imoutdoorsy | $25.00 | $25.00 | 11/24/2010 6:10:30 PM |
| excellent-wealth6 | $25.00 | $25.00 | 11/24/2010 9:38:25 PM |
| saffron4 | $25.00 | $25.00 | 11/24/2010 4:25:19 PM |
| HappyHelpingLender | $25.00 | $25.00 | 11/24/2010 6:49:56 PM |
| suave-dime6 | $25.00 | $25.00 | 11/25/2010 12:14:06 AM |
| PaulW | $25.00 | $25.00 | 11/25/2010 12:32:35 AM |
| sweetlan | $25.00 | $25.00 | 11/24/2010 6:10:29 PM |
| ivy-league-MBA | $25.00 | $25.00 | 11/24/2010 6:58:59 PM |
| IntrepidInvestment | $50.00 | $50.00 | 11/24/2010 7:32:49 PM |
| Steveoo1 | $25.00 | $25.00 | 11/24/2010 7:44:01 PM |
| Wowzer | $25.00 | $25.00 | 11/25/2010 12:43:19 AM |
| nodrivelpls | $25.00 | $25.00 | 11/24/2010 7:43:58 PM |
| FASTIZIO_P | $27.00 | $27.00 | 11/25/2010 12:59:20 AM |
| 102 bids
|
Borrower Payment Dependent Notes Series
485232
This series of Notes was issued and sold upon the funding of the borrower loan #45759, 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-22-2010 |
| |
Auction end date:
| Nov-29-2010 |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $309.21 |
|
Final lender yield:
| 26.75% |
Final borrower rate/APR:
| 27.75% / 31.31% |
Final monthly payment:
| $309.21 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,555 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dt27 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Aug-2008)
|
|
Principal balance:
| $2,238.05 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
refinancing high interest credit
Purpose of loan:
This loan will be used to pay off a higher interest credit card
My financial situation:
I am a good candidate for this loan because I am a responsible borrower with an established history of paying on time and in full. By refinancing into this loan I will reduce my monthly credit card/loan expenses by close to $200 or more depending on the final interest rate. The monthly payment on this loan will only be slightly more ($20-$30) more then I am already paying on an existing prosper loan that will be paid off with this loan. I am looking to Reduce my cost of credit and in turn pay down my debt quicker.
Monthly net income: $3750.00 pretax
Monthly expenses: $ 2882.00
Housing: $948 (including taxes and insurance)
Insurance: $72 (car insurance, health is provided by my company)
Car expenses: $ 540 (car payment and gas for the month, maintenance is free for another year)
Utilities: $ 140 (gas electric and HOA)
Phone, cable, internet: $ 182 (cellphone and internet)
Food, entertainment: $ $400
Credit cards and other loans: $600 ( will be reduced to by at least $128 if loan is funded)
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,
what is your job? - p2ploan-sensation211
A:
I'm a warehouse manager
(Nov-28-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $100.00 | $100.00 | 11/22/2010 10:42:32 AM |
| hopeful-truth5 | $75.00 | $75.00 | 11/22/2010 10:47:21 AM |
| simplelender80 | $200.00 | $200.00 | 11/22/2010 10:35:42 AM |
| money-bauble | $25.00 | $25.00 | 11/22/2010 10:50:45 AM |
| kc8fot | $50.00 | $50.00 | 11/22/2010 10:41:49 AM |
| ASR3 | $25.00 | $25.00 | 11/22/2010 10:53:10 AM |
| OldManP | $25.00 | $25.00 | 11/22/2010 11:31:39 AM |
| reflective-rupee | $400.00 | $400.00 | 11/22/2010 2:44:31 PM |
| good4loan | $25.00 | $25.00 | 11/22/2010 3:33:13 PM |
| Kaj | $25.00 | $25.00 | 11/22/2010 5:34:28 PM |
| velocity-solo | $25.00 | $25.00 | 11/22/2010 5:35:09 PM |
| lendstats_com | $200.00 | $200.00 | 11/22/2010 8:48:16 PM |
| 113121 | $25.00 | $25.00 | 11/22/2010 7:09:27 PM |
| Trakissta | $150.00 | $150.00 | 11/23/2010 6:35:00 AM |
| UCLA4life | $25.00 | $25.00 | 11/23/2010 9:07:49 AM |
| Wellman | $50.00 | $50.00 | 11/23/2010 11:36:39 AM |
| loanman2007 | $175.00 | $175.00 | 11/23/2010 1:17:54 PM |
| MadHun | $50.00 | $50.00 | 11/23/2010 4:37:49 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 11/23/2010 7:43:18 PM |
| investment-artist | $50.00 | $50.00 | 11/24/2010 9:23:00 AM |
| Au-Ag-Pt | $32.76 | $32.76 | 11/24/2010 7:39:49 AM |
| loyalist1 | $50.00 | $50.00 | 11/24/2010 7:59:11 AM |
| hopeful-truth5 | $100.00 | $100.00 | 11/24/2010 10:17:49 AM |
| bazaar-festivity | $25.00 | $25.00 | 11/24/2010 11:17:23 AM |
| burrito6 | $25.00 | $25.00 | 11/24/2010 12:13:30 PM |
| bryant05 | $75.00 | $75.00 | 11/24/2010 11:41:15 AM |
| SolarMoonshine | $25.00 | $25.00 | 11/24/2010 1:26:28 PM |
| marinbb | $50.00 | $50.00 | 11/24/2010 7:53:42 PM |
| dedicated-transaction796 | $29.53 | $29.53 | 11/24/2010 7:44:42 PM |
| icanhasloanz | $100.00 | $100.00 | 11/25/2010 4:07:25 AM |
| icanhasloanz | $100.00 | $100.00 | 11/25/2010 4:14:44 AM |
| Requiem | $25.00 | $25.00 | 11/25/2010 8:22:22 AM |
| ingenious-truth0 | $50.00 | $50.00 | 11/25/2010 9:22:47 AM |
| reward-motion | $25.00 | $25.00 | 11/26/2010 4:38:05 AM |
| thankful-nickel2 | $25.00 | $25.00 | 11/26/2010 8:25:29 AM |
| AlexTrep | $25.00 | $25.00 | 11/26/2010 7:12:45 AM |
| yield-lion | $25.00 | $25.00 | 11/26/2010 8:03:40 AM |
| matt_2006 | $25.00 | $25.00 | 11/26/2010 8:45:23 AM |
| nybanker85 | $30.00 | $30.00 | 11/26/2010 9:00:56 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:08:34 AM |
| DonaldColorado | $50.00 | $45.76 | 11/26/2010 10:18:57 AM |
| income-vault6 | $25.00 | $25.00 | 11/26/2010 9:36:41 AM |
| well-mannered-income3 | $60.00 | $60.00 | 11/26/2010 2:19:57 PM |
| smontgom | $25.00 | $25.00 | 11/26/2010 6:47:58 PM |
| red-favorable-basis | $25.00 | $25.00 | 11/26/2010 7:23:49 PM |
| futurechef11 | $27.52 | $27.52 | 11/26/2010 9:38:19 PM |
| trumpeter5 | $30.00 | $30.00 | 11/27/2010 5:01:53 AM |
| Trakissta | $150.00 | $150.00 | 11/27/2010 7:18:18 AM |
| foldingbenny2 | $65.00 | $65.00 | 11/27/2010 11:30:37 AM |
| DasMula | $25.00 | $25.00 | 11/27/2010 12:04:57 PM |
| loss-of-control | $50.00 | $50.00 | 11/27/2010 9:36:07 AM |
| tech310 | $50.00 | $50.00 | 11/27/2010 2:32:56 PM |
| heerzaquestion | $30.00 | $30.00 | 11/27/2010 8:29:34 AM |
| reflective-rupee | $350.00 | $350.00 | 11/27/2010 8:01:37 PM |
| Sturgee | $25.00 | $25.00 | 11/28/2010 5:15:25 AM |
| SkyLoan | $26.64 | $26.64 | 11/28/2010 12:31:23 PM |
| ronin4sale | $25.00 | $25.00 | 11/28/2010 4:09:13 PM |
| credit-missile | $40.76 | $40.76 | 11/28/2010 8:07:11 PM |
| mckhbnpc | $30.00 | $30.00 | 11/28/2010 4:57:52 PM |
| mpatrick | $25.00 | $25.00 | 11/28/2010 12:47:51 PM |
| honey-money | $25.00 | $25.00 | 11/28/2010 7:31:56 PM |
| thebadpelican | $25.00 | $25.00 | 11/28/2010 8:03:10 PM |
| credit-missile | $25.00 | $25.00 | 11/28/2010 8:05:58 PM |
| Astyanax | $75.00 | $75.00 | 11/28/2010 10:48:03 PM |
| thrilling-nickel5 | $26.68 | $26.68 | 11/29/2010 5:12:49 AM |
| friendinmoney | $25.00 | $25.00 | 11/29/2010 7:52:07 AM |
| credit-missile | $25.00 | $25.00 | 11/28/2010 8:06:42 PM |
| erowis | $30.00 | $30.00 | 11/29/2010 7:58:51 AM |
| E-B | $50.00 | $50.00 | 11/29/2010 3:14:05 AM |
| a-reasonable-return | $25.00 | $25.00 | 11/29/2010 5:29:20 AM |
| realtormoises | $25.00 | $25.00 | 11/29/2010 10:00:09 AM |
| wonder3 | $25.00 | $25.00 | 11/29/2010 6:16:09 AM |
| umfan123 | $25.00 | $25.00 | 11/29/2010 9:16:52 AM |
| genuine-integrity0 | $25.00 | $25.00 | 11/29/2010 10:01:13 AM |
| skaught | $40.00 | $40.00 | 11/29/2010 9:06:54 AM |
| kulender | $50.00 | $50.00 | 11/22/2010 10:52:04 AM |
| bid-czar8 | $100.00 | $100.00 | 11/22/2010 10:40:29 AM |
| investment-comet | $25.00 | $25.00 | 11/22/2010 11:01:25 AM |
| musegaze | $76.60 | $76.60 | 11/22/2010 10:48:33 AM |
| nilonc1 | $50.00 | $50.00 | 11/22/2010 10:46:30 AM |
| raisingophelia | $25.00 | $25.00 | 11/22/2010 11:45:30 AM |
| brother_tam | $50.00 | $50.00 | 11/22/2010 5:04:19 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/22/2010 5:23:13 PM |
| NekHoldings | $25.00 | $25.00 | 11/23/2010 5:12:26 AM |
| building_community | $50.00 | $50.00 | 11/23/2010 7:41:00 AM |
| JustMee | $25.00 | $25.00 | 11/23/2010 7:19:49 AM |
| gallant-economy9 | $27.10 | $27.10 | 11/23/2010 3:59:37 AM |
| 108lender | $50.00 | $50.00 | 11/23/2010 9:11:09 AM |
| finance-mushroom | $100.00 | $100.00 | 11/23/2010 11:35:29 AM |
| Comoparklender | $50.00 | $50.00 | 11/23/2010 11:36:10 AM |
| selector568 | $150.00 | $150.00 | 11/23/2010 1:22:42 PM |
| 6moonbeams | $35.85 | $35.85 | 11/23/2010 12:40:35 PM |
| finance-prescription | $50.00 | $50.00 | 11/24/2010 7:45:53 AM |
| orderly-leverage | $100.00 | $100.00 | 11/24/2010 7:43:43 AM |
| utmom | $25.00 | $25.00 | 11/24/2010 10:03:15 AM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 8:00:00 AM |
| greencat | $50.00 | $50.00 | 11/24/2010 8:19:42 AM |
| MedLend | $50.00 | $50.00 | 11/24/2010 12:08:33 PM |
| icanhasloanz | $100.00 | $100.00 | 11/25/2010 4:18:31 AM |
| income-sage9 | $25.00 | $25.00 | 11/24/2010 7:44:03 PM |
| bulsa | $100.00 | $100.00 | 11/24/2010 11:10:09 PM |
| radiant-loan5 | $25.00 | $25.00 | 11/25/2010 3:53:36 AM |
| 371millwood | $100.00 | $100.00 | 11/25/2010 11:06:21 AM |
| Rick21 | $25.00 | $25.00 | 11/25/2010 12:31:22 PM |
| Mariner3605 | $50.00 | $50.00 | 11/26/2010 1:52:49 AM |
| independent-silver9 | $25.00 | $25.00 | 11/26/2010 2:49:34 AM |
| Easystreet | $25.00 | $25.00 | 11/26/2010 4:34:08 AM |
| Whipster | $50.00 | $50.00 | 11/26/2010 4:34:20 AM |
| asiaratt | $50.00 | $50.00 | 11/26/2010 5:47:57 AM |
| AF-Chief | $50.00 | $50.00 | 11/26/2010 7:52:53 AM |
| zebra806 | $100.00 | $100.00 | 11/26/2010 8:31:08 AM |
| Artist_Blue | $25.00 | $25.00 | 11/26/2010 7:44:47 AM |
| jazzlender | $25.00 | $25.00 | 11/26/2010 8:48:40 AM |
| cablenews | $50.00 | $50.00 | 11/26/2010 9:02:13 AM |
| friendinmoney | $25.00 | $25.00 | 11/26/2010 1:57:37 PM |
| bluehen00 | $45.00 | $45.00 | 11/26/2010 3:22:55 PM |
| Whitewater_Loans | $25.00 | $25.00 | 11/26/2010 7:26:04 PM |
| whatreality | $48.52 | $48.52 | 11/26/2010 7:45:21 PM |
| poetic-economy | $50.00 | $50.00 | 11/26/2010 7:27:59 PM |
| Helenska11 | $50.00 | $50.00 | 11/26/2010 8:43:42 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 9:17:27 PM |
| lucrative-loan | $31.60 | $31.60 | 11/26/2010 10:07:43 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 9:17:44 PM |
| fabulous-community4 | $25.00 | $25.00 | 11/26/2010 10:22:48 PM |
| a-finance-nirvana | $25.00 | $25.00 | 11/27/2010 1:21:12 AM |
| loss-of-control | $100.00 | $100.00 | 11/27/2010 9:35:35 AM |
| ore-dojo | $25.00 | $25.00 | 11/27/2010 7:26:53 AM |
| bull_lender | $36.00 | $36.00 | 11/27/2010 11:15:21 AM |
| dinero-vista2 | $39.68 | $39.68 | 11/27/2010 12:22:26 PM |
| wlm3012 | $25.00 | $25.00 | 11/28/2010 6:41:41 AM |
| alexgalt | $25.00 | $25.00 | 11/27/2010 9:11:51 PM |
| loss-of-control | $50.00 | $50.00 | 11/28/2010 9:54:25 AM |
| grampy48 | $60.00 | $60.00 | 11/28/2010 5:24:02 PM |
| credit-missile | $25.00 | $25.00 | 11/28/2010 8:06:20 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 11/29/2010 9:15:27 AM |
| skillful-asset5 | $30.00 | $30.00 | 11/28/2010 9:08:12 PM |
| credit-missile | $25.00 | $25.00 | 11/29/2010 9:21:13 AM |
| nickel-position | $25.00 | $25.00 | 11/29/2010 12:07:59 AM |
| first-dinero-igloo | $25.00 | $25.00 | 11/29/2010 9:58:46 AM |
| Belair_Advisors | $25.00 | $25.00 | 11/29/2010 10:25:50 AM |
| houli123 | $250.00 | $250.00 | 11/29/2010 9:14:41 AM |
| 141 bids
|
Borrower Payment Dependent Notes Series
485302
This series of Notes was issued and sold upon the funding of the borrower loan #45769, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.25% |
Auction start date:
| Nov-23-2010 |
| |
Auction end date:
| Nov-30-2010 |
|
|
Starting lender yield:
| 9.55% |
Starting borrower rate/APR:
| 10.55% / 12.66% |
Starting monthly payment:
| $81.32 |
|
Final lender yield:
| 7.50% |
Final borrower rate/APR:
| 8.50% / 10.59% |
Final monthly payment:
| $78.92 |
| |
|
Auction yield range:
| 3.57% - 9.55% |
Estimated loss impact:
| 3.26% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,062 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| julestar01 |
Borrower's state:
| NewYork |
Borrower's group:
| Apple User Group |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 34 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jun-2007)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
2nd Prosper Loan- growing business
Purpose of loan:
This loan will be used to?
grow my makeup business. I am a makeup artist working in NYC for the past 10 years. My current website is www.julesmakeup.com. I would like to use this loan to buy a new computer.? The computer that I am using now is a 5 year old Mac laptop. I would like to purchase a new Mac to work on my photos as well as work on an extensive marketing campaign. The money remaining will be used to purchase a new airbrush system and put towards new makeup supplies.
My financial situation:
I am a good candidate for this loan because? I have had all on time payments for my bills in the past 4 years. I do not have excessive debt and live within my means. My makeup business has grown every year since I started to freelance in 2003, even in the midst of the recession. I did not take a loan for more than what I can afford to pay back on a monthly basis. I am highly motivated and this will be my second loan with prosper. Using prosper is better than using my higher interest credit cards.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hoffspot | $35.00 | $35.00 | 11/23/2010 7:48:28 PM |
| interstellar | $50.00 | $50.00 | 11/24/2010 1:10:18 AM |
| loanman2007 | $120.00 | $120.00 | 11/24/2010 12:51:11 PM |
| MoneyMann | $25.00 | $25.00 | 11/25/2010 11:15:38 AM |
| dproxima | $25.00 | $25.00 | 11/25/2010 6:04:51 PM |
| paramjit | $100.00 | $100.00 | 11/26/2010 10:50:35 AM |
| bankofmay | $25.00 | $25.00 | 11/26/2010 6:47:05 PM |
| Whitewater_Loans | $50.00 | $50.00 | 11/26/2010 7:28:05 PM |
| samurai2 | $30.00 | $30.00 | 11/27/2010 8:55:50 AM |
| RicheyRich | $25.00 | $25.00 | 11/27/2010 7:45:48 AM |
| grotheik | $25.00 | $25.00 | 11/28/2010 1:55:00 PM |
| rpd1211 | $25.00 | $25.00 | 11/28/2010 4:43:10 PM |
| dma1206 | $25.00 | $25.00 | 11/28/2010 1:52:34 PM |
| dudebrah | $25.00 | $25.00 | 11/29/2010 9:16:18 AM |
| enthusiastic-balance5 | $100.00 | $100.00 | 11/29/2010 2:28:56 PM |
| SV-AZ | $25.00 | $25.00 | 11/29/2010 5:26:54 PM |
| doopers | $25.00 | $25.00 | 11/29/2010 6:39:18 PM |
| sisepuede | $25.00 | $25.00 | 11/29/2010 8:14:27 PM |
| Cliffie83 | $29.66 | $29.66 | 11/29/2010 7:05:56 PM |
| martymaniaman | $25.00 | $25.00 | 11/30/2010 6:01:01 AM |
| Trapman13 | $50.00 | $31.94 | 11/30/2010 5:27:07 AM |
| REITRUST | $25.00 | $25.00 | 11/30/2010 7:04:57 AM |
| Nazbuster | $50.00 | $50.00 | 11/30/2010 6:09:50 AM |
| indomitable-coin | $50.00 | $50.00 | 11/30/2010 8:00:13 AM |
| StreetJustice | $29.56 | $29.56 | 11/30/2010 3:03:07 AM |
| Leopoldine | $25.00 | $25.00 | 11/30/2010 8:19:10 AM |
| JerryB96 | $25.00 | $25.00 | 11/30/2010 8:40:09 AM |
| crw1950 | $26.00 | $26.00 | 11/30/2010 5:20:24 AM |
| relaxation688 | $25.00 | $25.00 | 11/30/2010 9:39:09 AM |
| Richmp412 | $25.00 | $25.00 | 11/30/2010 6:25:37 AM |
| penny-plato | $25.00 | $25.00 | 11/30/2010 9:54:14 AM |
| Redeast | $25.00 | $25.00 | 11/30/2010 9:48:26 AM |
| balance-river | $30.92 | $30.92 | 11/30/2010 9:59:27 AM |
| rutzebach | $28.11 | $28.11 | 11/30/2010 10:39:10 AM |
| Stravage | $32.00 | $32.00 | 11/30/2010 8:15:32 AM |
| nanaof7 | $25.00 | $25.00 | 11/30/2010 9:02:10 AM |
| Firescreek | $25.00 | $25.00 | 11/30/2010 1:13:19 PM |
| radicaldude | $44.41 | $44.41 | 11/30/2010 1:26:27 PM |
| oldrebel | $25.00 | $25.00 | 11/30/2010 1:56:11 PM |
| steady-funds3 | $25.00 | $25.00 | 11/30/2010 10:56:22 AM |
| balance-force | $25.00 | $25.00 | 11/30/2010 2:14:40 PM |
| jchurchi | $25.00 | $25.00 | 11/30/2010 2:21:37 PM |
| orbital-return316 | $25.00 | $25.00 | 11/30/2010 1:59:25 PM |
| investment-artist | $25.00 | $25.00 | 11/24/2010 9:51:13 AM |
| Loan_Some_Money | $25.00 | $25.00 | 11/26/2010 4:10:03 PM |
| atlas100 | $50.00 | $50.00 | 11/26/2010 5:00:55 PM |
| bunnybear | $25.00 | $25.00 | 11/26/2010 8:08:03 PM |
| goal-benefit2 | $40.00 | $40.00 | 11/26/2010 8:11:52 PM |
| availableloan | $25.00 | $25.00 | 11/28/2010 8:21:30 PM |
| velocity-onator | $25.00 | $25.00 | 11/29/2010 12:32:11 PM |
| FundMaker | $30.00 | $30.00 | 11/29/2010 1:14:52 PM |
| GBlack | $35.00 | $35.00 | 11/29/2010 3:06:50 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 11/29/2010 3:18:23 PM |
| lender12345 | $25.00 | $25.00 | 11/29/2010 8:50:49 PM |
| vutah | $25.00 | $25.00 | 11/29/2010 10:45:38 PM |
| rce1964 | $25.00 | $25.00 | 11/30/2010 2:15:38 AM |
| BlessedEveryDay | $25.00 | $25.00 | 11/30/2010 6:37:04 AM |
| marwadi-62 | $300.00 | $300.00 | 11/30/2010 6:51:33 AM |
| JoeXB | $25.00 | $25.00 | 11/30/2010 7:52:26 AM |
| peb44 | $25.00 | $25.00 | 11/30/2010 8:08:48 AM |
| CFOGO | $25.00 | $25.00 | 11/30/2010 10:32:21 AM |
| Earn_money | $25.00 | $25.00 | 11/30/2010 10:44:52 AM |
| GoBusinessGuy | $28.54 | $28.54 | 11/30/2010 12:30:45 PM |
| T-L-B | $35.80 | $35.80 | 11/30/2010 9:58:00 AM |
| paqattack | $42.06 | $42.06 | 11/30/2010 12:47:20 PM |
| Littlepeng | $26.00 | $26.00 | 11/30/2010 1:30:25 PM |
| djmjkelso | $25.00 | $25.00 | 11/30/2010 11:19:48 AM |
| jayk63 | $25.00 | $25.00 | 11/30/2010 2:39:11 PM |
| moneytolend72 | $25.00 | $25.00 | 11/30/2010 2:31:10 PM |
| 69 bids
|
Borrower Payment Dependent Notes Series
485360
This series of Notes was issued and sold upon the funding of the borrower loan #45777, 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-23-2010 |
| |
Auction end date:
| Nov-30-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $316.34 |
|
Final lender yield:
| 28.00% |
Final borrower rate/APR:
| 29.00% / 32.59% |
Final monthly payment:
| $314.29 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-2002 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,784 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| meers2000 |
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
100% Guaranteed Money maker!!!!!
Purpose of loan:
This loan will be used to finish remodeling on my basement apartment. Once complete it will generate an additional income of $1100.00. I am able to pay back this loan even if the apartment does not start turning over immediately.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time and I have been financially responsible. I am very conservative with whatever I do hence the low revolving credit.
Monthly net income: $ 5,600
Monthly expenses: $
??Housing: $
1,800
??Insurance: $
230
??Car expenses: $
210
??Utilities: $
300
??Phone, cable, internet: $
50
??Food, entertainment: $
200
??Clothing, household expenses $
200
??Credit cards and other loans: $
200
??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:
I think you?re a great candidate to pledge / bid for!!...Can you briefly explain your income and employment status more? What is your monthly income before or after taxes are taken out? Also, does this include your significant others income? THANKS! - SmartConsolidation
A:
I have been employed for 3 years 8 months now before that I was employed 3 years with prior company before taking a different position. Monthly income after taxes is exactly $5,584.00. I have additional income of $950.00 per month from an income property that I am partner with in a business. This is irregular so was not stated in the listing.
Thanks for taking a look at my listing, I hope I have addressed all your concerns.
(Nov-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| simplelender80 | $200.00 | $200.00 | 11/23/2010 2:59:24 PM |
| reflective-rupee | $1,000.00 | $1,000.00 | 11/23/2010 3:19:55 PM |
| money-bauble | $25.00 | $25.00 | 11/23/2010 4:01:56 PM |
| Kaj | $25.00 | $25.00 | 11/23/2010 4:37:39 PM |
| El_Profesional | $25.00 | $25.00 | 11/23/2010 4:18:56 PM |
| JustMee | $25.00 | $25.00 | 11/23/2010 5:11:13 PM |
| DonTraveler99 | $25.00 | $25.00 | 11/23/2010 4:51:17 PM |
| danthemon35 | $25.00 | $25.00 | 11/24/2010 7:18:37 AM |
| courteous-kindness1 | $50.00 | $50.00 | 11/24/2010 10:17:23 AM |
| 108lender | $25.00 | $25.00 | 11/24/2010 9:08:22 PM |
| tashara | $25.00 | $25.00 | 11/26/2010 9:12:44 AM |
| kc8fot | $75.00 | $75.00 | 11/26/2010 12:56:39 PM |
| bold-attentive-listing | $25.00 | $25.00 | 11/26/2010 5:25:21 PM |
| first-serene-credit | $25.00 | $25.00 | 11/26/2010 6:21:56 PM |
| economy-synapse | $25.00 | $25.00 | 11/26/2010 9:26:04 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 10:09:36 PM |
| tech310 | $50.00 | $50.00 | 11/27/2010 2:33:14 PM |
| well-mannered-income3 | $29.00 | $29.00 | 11/27/2010 3:14:55 PM |
| SunriseTrader1 | $25.00 | $25.00 | 11/27/2010 5:51:54 PM |
| transparency-boss439 | $100.00 | $100.00 | 11/27/2010 9:06:22 PM |
| LoanerPrincipal | $25.00 | $25.00 | 11/27/2010 10:16:47 PM |
| nickel-position | $25.00 | $25.00 | 11/29/2010 12:13:17 AM |
| loss-of-control | $100.00 | $100.00 | 11/28/2010 2:40:06 PM |
| marinbb | $50.00 | $50.00 | 11/28/2010 3:22:14 PM |
| durable-investment8 | $40.00 | $40.00 | 11/29/2010 7:12:52 AM |
| greencat | $50.00 | $50.00 | 11/29/2010 10:03:46 AM |
| kindness-venture1 | $50.00 | $50.00 | 11/29/2010 12:40:16 PM |
| orderly-leverage | $100.00 | $100.00 | 11/29/2010 2:44:49 PM |
| Investoman | $25.00 | $25.00 | 11/29/2010 2:46:03 PM |
| jigsaw | $50.00 | $50.00 | 11/29/2010 2:46:11 PM |
| attractive-point5 | $50.00 | $44.32 | 11/29/2010 2:51:15 PM |
| ZPBSFinancialGroup | $25.00 | $25.00 | 11/29/2010 2:41:10 PM |
| hope-eagle6 | $25.00 | $25.00 | 11/29/2010 2:43:17 PM |
| Branch95 | $66.08 | $66.08 | 11/29/2010 2:43:21 PM |
| personal-lender | $25.00 | $25.00 | 11/29/2010 2:46:07 PM |
| rhin0cerx | $50.00 | $50.00 | 11/29/2010 2:46:15 PM |
| honey-money | $25.00 | $25.00 | 11/29/2010 4:21:36 PM |
| liberty-thinker | $25.00 | $25.00 | 11/29/2010 5:35:21 PM |
| HammerSmith | $25.00 | $25.00 | 11/29/2010 4:39:16 PM |
| bughead | $25.00 | $25.00 | 11/29/2010 7:13:38 PM |
| orange-preeminant-bill | $31.62 | $31.62 | 11/29/2010 7:14:05 PM |
| priceless-cash5 | $25.00 | $25.00 | 11/29/2010 3:31:24 PM |
| thebadpelican | $25.00 | $25.00 | 11/29/2010 7:50:35 PM |
| hglrfdom | $25.00 | $25.00 | 11/29/2010 11:47:00 PM |
| draggon77 | $25.00 | $25.00 | 11/30/2010 6:22:24 AM |
| llequire1 | $111.71 | $111.71 | 11/30/2010 7:15:22 AM |
| delivery | $25.00 | $25.00 | 11/30/2010 2:31:00 AM |
| wwwUniversal | $25.00 | $25.00 | 11/30/2010 3:01:31 AM |
| social-zebra | $34.92 | $34.92 | 11/30/2010 8:42:20 AM |
| hokee | $25.00 | $25.00 | 11/30/2010 5:06:15 AM |
| Bcs-cnc | $25.00 | $25.00 | 11/30/2010 9:48:13 AM |
| principal-star | $25.00 | $25.00 | 11/30/2010 9:51:36 AM |
| octoberfresh | $25.00 | $25.00 | 11/30/2010 7:01:03 AM |
| moola-monger9 | $50.00 | $50.00 | 11/30/2010 11:09:55 AM |
| Kyileo | $25.00 | $25.00 | 11/30/2010 9:18:30 AM |
| Astyanax | $45.00 | $45.00 | 11/30/2010 12:15:58 PM |
| fizicks06 | $100.00 | $100.00 | 11/30/2010 12:40:58 PM |
| taetrade | $25.00 | $25.00 | 11/30/2010 9:52:08 AM |
| ultimate-peace | $50.00 | $50.00 | 11/30/2010 1:32:27 PM |
| favorite-commerce | $50.00 | $50.00 | 11/30/2010 10:15:58 AM |
| payout-bridge | $50.00 | $50.00 | 11/30/2010 2:26:14 PM |
| musegaze | $100.00 | $100.00 | 11/23/2010 3:15:07 PM |
| kulender | $50.00 | $50.00 | 11/23/2010 3:04:02 PM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:59:35 AM |
| lendstats_com | $200.00 | $200.00 | 11/24/2010 8:16:20 AM |
| SolarMoonshine | $25.00 | $25.00 | 11/24/2010 1:42:32 PM |
| top-courteous-peso | $50.00 | $50.00 | 11/24/2010 3:34:59 PM |
| loyalist1 | $50.00 | $50.00 | 11/25/2010 8:48:08 AM |
| loanman2007 | $200.00 | $200.00 | 11/26/2010 8:52:02 AM |
| income-vault6 | $25.00 | $25.00 | 11/26/2010 9:36:58 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:09:18 AM |
| RecoveryLender | $25.02 | $25.02 | 11/26/2010 10:25:53 AM |
| Whitewater_Loans | $50.00 | $50.00 | 11/26/2010 2:20:08 PM |
| Whipster | $50.00 | $50.00 | 11/26/2010 5:27:51 PM |
| SFBank | $300.00 | $300.00 | 11/26/2010 5:41:52 PM |
| 850 | $50.00 | $50.00 | 11/26/2010 8:35:13 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 10:10:13 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 10:10:31 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 10:09:56 PM |
| JGuide | $26.99 | $26.99 | 11/27/2010 4:41:08 PM |
| benefit-crescendo | $25.00 | $25.00 | 11/28/2010 10:22:24 AM |
| 6moonbeams | $50.00 | $50.00 | 11/29/2010 9:08:02 AM |
| Rogelio48 | $30.00 | $30.00 | 11/29/2010 10:43:40 AM |
| Tono | $40.00 | $40.00 | 11/29/2010 1:17:00 PM |
| btormc5 | $30.00 | $30.00 | 11/29/2010 1:35:33 PM |
| umfan123 | $25.00 | $25.00 | 11/29/2010 2:28:44 PM |
| dinero-mason | $33.40 | $33.40 | 11/29/2010 2:46:04 PM |
| MattProsper | $45.00 | $45.00 | 11/29/2010 11:28:06 AM |
| a-finance-nirvana | $25.00 | $25.00 | 11/29/2010 2:44:50 PM |
| leverage-monger | $25.00 | $25.00 | 11/29/2010 2:44:27 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:26:09 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2010 3:26:36 PM |
| sturdy-peace9 | $85.00 | $85.00 | 11/29/2010 5:45:05 PM |
| psycardis | $26.00 | $26.00 | 11/29/2010 8:16:16 PM |
| nickel-hickory | $100.00 | $100.00 | 11/29/2010 9:22:27 PM |
| carlos_chantana | $25.00 | $25.00 | 11/29/2010 4:28:40 PM |
| mammalian4 | $25.00 | $25.00 | 11/30/2010 3:40:27 AM |
| golffish2 | $100.00 | $100.00 | 11/30/2010 4:08:31 AM |
| irrelevant | $25.00 | $25.00 | 11/30/2010 2:44:05 AM |
| Starfin-Capital-Management | $485.11 | $485.11 | 11/30/2010 4:23:52 AM |
| crw1950 | $26.00 | $26.00 | 11/30/2010 5:17:06 AM |
| Income-Scout | $138.32 | $138.32 | 11/30/2010 8:55:40 AM |
| wonder3 | $35.00 | $35.00 | 11/30/2010 6:45:18 AM |
| vigilance-searcher | $25.00 | $25.00 | 11/30/2010 10:03:56 AM |
| erowis | $30.00 | $30.00 | 11/30/2010 8:09:08 AM |
| Leshan | $250.00 | $250.00 | 11/30/2010 8:28:57 AM |
| motivator72 | $25.00 | $25.00 | 11/30/2010 11:04:34 AM |
| MarvintheMartian | $26.00 | $26.00 | 11/30/2010 12:06:23 PM |
| dynamic-platinum | $50.00 | $50.00 | 11/30/2010 11:55:28 AM |
| diversification-enlistment | $25.00 | $25.00 | 11/30/2010 9:53:34 AM |
| hopeful-truth5 | $300.00 | $300.00 | 11/30/2010 1:36:38 PM |
| SmartConsolidation | $25.00 | $25.00 | 11/30/2010 1:08:53 PM |
| toomanyfishtanks | $30.00 | $30.00 | 11/30/2010 1:26:09 PM |
| p2ploan-sensation211 | $50.00 | $50.00 | 11/30/2010 2:02:48 PM |
| minnesotafinancial | $25.00 | $25.00 | 11/30/2010 11:33:01 AM |
| fund-medalist171 | $40.00 | $40.00 | 11/30/2010 12:37:27 PM |
| YeoLenderSource | $45.50 | $45.50 | 11/30/2010 2:34:30 PM |
| Haribelle | $25.00 | $25.00 | 11/30/2010 2:37:24 PM |
| Nerdster1 | $25.01 | $25.01 | 11/30/2010 2:32:09 PM |
| 119 bids
|
Borrower Payment Dependent Notes Series
485366
This series of Notes was issued and sold upon the funding of the borrower loan #45748, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Nov-23-2010 |
| |
Auction end date:
| Nov-30-2010 |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $346.16 |
|
Final lender yield:
| 13.90% |
Final borrower rate/APR:
| 14.90% / 17.07% |
Final monthly payment:
| $346.16 |
| |
|
Auction yield range:
| 5.57% - 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:
| Apr-1983 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 20y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $83,648 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| TechExplorer |
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
Home Improvement Loan
I work For Chevron USA ,Inc.
Pascagoula Refinery
Refinery Operator
20years +
I work a Great Deal of overtime and my Budget allows me to pay back this Loan Early
Purpose of this Loan is to update and repair my current Home as needed for Future sell,
Down Size,use proceeds to pay off debts.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Your listing is showing $70K+ in revolving debt. What type of debt is this? Is some of it a second mortgage? - rbotterbLLC
A:
Some of it is Credit line from Bank,and other Credit Card Debt,etc.
I had a Family emergency in recent Past,needed money Fast.I'm in the process
of paying off debts now.One reason for this loan, Repair / improve home,sell
use proceeds for debts.
(Nov-25-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| proper-commitment5 | $25.00 | $25.00 | 11/23/2010 2:47:12 PM |
| indomitable-coin | $50.00 | $50.00 | 11/23/2010 2:58:29 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 11/23/2010 3:05:34 PM |
| nickel-ferret | $50.00 | $50.00 | 11/23/2010 2:47:38 PM |
| raisingophelia | $25.00 | $25.00 | 11/23/2010 3:12:25 PM |
| organized-payment6 | $25.00 | $25.00 | 11/23/2010 3:13:10 PM |
| simplelender80 | $250.00 | $250.00 | 11/23/2010 2:53:13 PM |
| enthralling-deal180 | $50.00 | $50.00 | 11/23/2010 2:53:34 PM |
| Pulchritudinous | $25.00 | $25.00 | 11/23/2010 3:17:16 PM |
| ichibon | $150.00 | $150.00 | 11/23/2010 3:00:09 PM |
| AFairDeal | $50.00 | $50.00 | 11/23/2010 3:01:52 PM |
| skuba | $25.00 | $25.00 | 11/23/2010 3:02:32 PM |
| investment-comet | $25.00 | $25.00 | 11/23/2010 3:03:43 PM |
| tech310 | $50.00 | $50.00 | 11/23/2010 2:46:54 PM |
| reflective-rupee | $200.00 | $200.00 | 11/23/2010 4:12:57 PM |
| ray1051 | $50.00 | $50.00 | 11/23/2010 2:59:38 PM |
| hitsman | $100.00 | $100.00 | 11/23/2010 3:13:49 PM |
| finance-mushroom | $100.00 | $100.00 | 11/23/2010 3:14:28 PM |
| kulender | $100.00 | $100.00 | 11/23/2010 3:15:22 PM |
| objective-investor | $30.00 | $30.00 | 11/23/2010 3:16:51 PM |
| melodious-fairness | $50.00 | $50.00 | 11/23/2010 3:03:16 PM |
| hopeful-truth5 | $100.00 | $100.00 | 11/23/2010 3:04:16 PM |
| powerful-finance7 | $25.00 | $25.00 | 11/23/2010 4:47:12 PM |
| understanding-affluence5 | $30.00 | $30.00 | 11/23/2010 3:16:17 PM |
| Nyarpy | $25.00 | $25.00 | 11/23/2010 4:23:30 PM |
| handshake5 | $100.00 | $100.00 | 11/24/2010 12:10:06 AM |
| icchok | $50.00 | $50.00 | 11/24/2010 1:27:08 AM |
| jjswanso | $50.00 | $50.00 | 11/24/2010 6:03:51 AM |
| community-pipeline8 | $25.00 | $25.00 | 11/24/2010 8:49:37 AM |
| GElender | $30.71 | $30.71 | 11/24/2010 9:44:28 AM |
| kublai | $50.00 | $50.00 | 11/24/2010 10:06:11 AM |
| MedLend | $50.00 | $50.00 | 11/24/2010 12:09:04 PM |
| Bank_Of_XL | $50.00 | $50.00 | 11/24/2010 1:56:04 PM |
| graceful-investment | $25.43 | $25.43 | 11/25/2010 1:21:52 AM |
| newest-funds-powerplant | $50.00 | $50.00 | 11/25/2010 7:02:51 AM |
| orderly-leverage | $43.59 | $43.59 | 11/25/2010 2:40:46 PM |
| stuy1998 | $30.00 | $30.00 | 11/25/2010 5:55:03 PM |
| CaptainBlueberry | $25.00 | $25.00 | 11/26/2010 6:28:12 AM |
| Approved1234 | $25.00 | $25.00 | 11/26/2010 6:28:33 AM |
| Mariner3605 | $100.00 | $100.00 | 11/26/2010 1:50:10 AM |
| important-ore | $75.00 | $75.00 | 11/26/2010 12:37:38 AM |
| radforj22 | $25.00 | $25.00 | 11/26/2010 6:29:02 AM |
| AlexTrep | $25.00 | $25.00 | 11/26/2010 7:22:59 AM |
| zebra806 | $100.00 | $100.00 | 11/26/2010 8:30:45 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:09:24 AM |
| suges | $50.00 | $50.00 | 11/26/2010 9:34:35 AM |
| bazaar-secret-agent6 | $50.00 | $50.00 | 11/26/2010 11:20:23 AM |
| kc8fot | $50.00 | $50.00 | 11/26/2010 1:11:31 PM |
| 108lender | $68.58 | $68.58 | 11/26/2010 3:50:04 PM |
| yield-enlistment | $25.00 | $25.00 | 11/26/2010 4:22:55 PM |
| ManhattanLender | $25.00 | $25.00 | 11/26/2010 6:05:40 PM |
| nycfinance | $25.00 | $25.00 | 11/26/2010 6:33:40 PM |
| bonanza1973 | $50.00 | $50.00 | 11/26/2010 10:00:40 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 10:12:38 PM |
| ivadood | $50.00 | $50.00 | 11/27/2010 8:32:42 AM |
| wayman | $50.00 | $50.00 | 11/27/2010 10:58:03 AM |
| life-is-great | $43.49 | $43.49 | 11/27/2010 3:42:46 PM |
| bonafide-cash | $50.00 | $50.00 | 11/27/2010 3:53:04 PM |
| rudyindc | $25.00 | $25.00 | 11/28/2010 7:07:59 AM |
| alaco | $25.00 | $25.00 | 11/27/2010 10:10:27 PM |
| tsui517 | $25.00 | $25.00 | 11/28/2010 1:08:01 AM |
| Headhunter14 | $25.00 | $25.00 | 11/28/2010 5:23:31 AM |
| urbane-dollar4 | $25.00 | $25.00 | 11/28/2010 8:30:13 AM |
| LibbyZ | $50.00 | $50.00 | 11/28/2010 9:35:36 PM |
| grampy48 | $50.00 | $50.00 | 11/29/2010 7:29:10 AM |
| lostontheedge | $25.00 | $25.00 | 11/29/2010 9:42:36 AM |
| Tradesmanlender | $35.00 | $35.00 | 11/29/2010 9:42:51 AM |
| harperpotok | $50.00 | $50.00 | 11/29/2010 10:52:06 AM |
| hanuman77 | $50.00 | $50.00 | 11/29/2010 11:20:22 AM |
| lcole32 | $25.00 | $25.00 | 11/29/2010 11:14:20 AM |
| il_guru | $25.00 | $25.00 | 11/29/2010 11:23:48 AM |
| KileNSmyth4 | $25.00 | $25.00 | 11/29/2010 11:22:23 AM |
| PCash | $25.00 | $25.00 | 11/29/2010 11:24:50 AM |
| coin-sphinx4 | $50.00 | $50.00 | 11/29/2010 11:12:27 AM |
| the-money-position | $25.00 | $25.00 | 11/29/2010 11:14:18 AM |
| The_Lending_Muscle | $25.00 | $25.00 | 11/29/2010 11:14:59 AM |
| flwah | $25.00 | $25.00 | 11/29/2010 11:15:07 AM |
| responsibility-butterfly | $25.00 | $25.00 | 11/29/2010 11:16:20 AM |
| unshaken-kingdom | $25.00 | $25.00 | 11/29/2010 11:21:58 AM |
| teller | $50.00 | $50.00 | 11/29/2010 11:22:28 AM |
| tough-income4 | $25.00 | $25.00 | 11/29/2010 11:24:16 AM |
| trustworthy-fairness | $50.00 | $50.00 | 11/29/2010 2:28:58 PM |
| maximizer | $25.00 | $25.00 | 11/29/2010 12:03:03 PM |
| market-squadron3 | $25.00 | $25.00 | 11/29/2010 12:15:28 PM |
| nikkiesgrandma | $25.00 | $25.00 | 11/29/2010 12:40:56 PM |
| Vegasjim | $25.00 | $25.00 | 11/29/2010 2:28:25 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/29/2010 3:41:06 PM |
| SanJoser | $25.00 | $25.00 | 11/29/2010 3:42:07 PM |
| rogue_monster | $50.00 | $50.00 | 11/29/2010 3:35:04 PM |
| greenback-ally | $50.00 | $50.00 | 11/29/2010 7:13:59 PM |
| mmmm1982 | $34.00 | $34.00 | 11/29/2010 3:32:04 PM |
| Cheburashka | $25.00 | $25.00 | 11/30/2010 1:34:19 AM |
| Adam_00 | $30.40 | $30.40 | 11/30/2010 1:58:15 AM |
| mmckune | $25.00 | $25.00 | 11/30/2010 1:55:21 AM |
| a-finance-nirvana | $25.00 | $25.00 | 11/30/2010 3:22:26 AM |
| brazilofmux | $48.49 | $48.49 | 11/30/2010 1:00:07 AM |
| the-debt-fluffy-bunny | $25.00 | $25.00 | 11/30/2010 1:02:56 AM |
| RationalWorld | $25.00 | $25.00 | 11/30/2010 7:12:18 AM |
| anders94 | $25.00 | $25.00 | 11/30/2010 1:56:54 AM |
| CAGE-Investments | $25.00 | $25.00 | 11/30/2010 3:21:08 AM |
| p2p-rider7 | $50.00 | $50.00 | 11/30/2010 10:17:58 AM |
| mraleig | $107.91 | $107.91 | 11/30/2010 10:55:01 AM |
| discrete-asset | $25.00 | $25.00 | 11/30/2010 10:59:48 AM |
| competent-p2p | $25.00 | $25.00 | 11/30/2010 11:14:26 AM |
| rss197 | $25.00 | $25.00 | 11/30/2010 9:12:47 AM |
| astute-investment5 | $25.00 | $25.00 | 11/30/2010 9:33:10 AM |
| lamsabuy | $700.00 | $607.57 | 11/30/2010 1:49:24 PM |
| gold-disk | $50.00 | $50.00 | 11/30/2010 12:47:55 PM |
| UncleScroogeDMD | $34.48 | $34.48 | 11/30/2010 1:26:07 PM |
| Easystreet | $25.00 | $25.00 | 11/30/2010 2:25:15 PM |
| finance_mba | $25.00 | $25.00 | 11/23/2010 2:58:57 PM |
| dunox | $50.00 | $50.00 | 11/23/2010 3:03:01 PM |
| riproaringrapids | $25.00 | $25.00 | 11/23/2010 3:28:30 PM |
| ASR3 | $25.00 | $25.00 | 11/23/2010 3:01:30 PM |
| bid-czar8 | $100.00 | $100.00 | 11/23/2010 3:03:27 PM |
| Ripsaw4U | $50.00 | $50.00 | 11/23/2010 2:54:28 PM |
| worthy-bid8 | $50.00 | $50.00 | 11/23/2010 3:11:20 PM |
| jazzlender | $25.00 | $25.00 | 11/23/2010 3:00:29 PM |
| platinum-celebration4 | $25.00 | $25.00 | 11/23/2010 3:01:08 PM |
| money-bauble | $25.00 | $25.00 | 11/23/2010 4:27:23 PM |
| reflective-rupee | $200.00 | $200.00 | 11/23/2010 4:13:13 PM |
| careful-note | $100.00 | $100.00 | 11/23/2010 8:23:15 PM |
| SBT | $25.00 | $25.00 | 11/23/2010 6:08:10 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/24/2010 7:45:46 AM |
| stolirocks01 | $50.00 | $50.00 | 11/24/2010 6:10:07 AM |
| jdwillcox | $100.00 | $100.00 | 11/24/2010 7:45:20 AM |
| vigorous-velocity | $100.00 | $100.00 | 11/24/2010 7:53:34 AM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:52:06 AM |
| bazaar-festivity | $25.00 | $25.00 | 11/24/2010 11:26:09 AM |
| loyalist1 | $100.00 | $100.00 | 11/25/2010 8:47:55 AM |
| Webpreneur | $50.00 | $50.00 | 11/25/2010 2:26:00 AM |
| authentic-liberty7 | $31.97 | $31.97 | 11/25/2010 1:31:55 AM |
| Rick21 | $50.00 | $50.00 | 11/25/2010 12:23:08 PM |
| benefit-piano5 | $25.00 | $25.00 | 11/25/2010 3:52:13 PM |
| reward-motion | $50.00 | $50.00 | 11/26/2010 4:37:53 AM |
| B-rad_the_Coug | $25.00 | $25.00 | 11/26/2010 1:58:44 AM |
| yield-museum | $75.00 | $75.00 | 11/26/2010 7:36:33 AM |
| balance-force | $25.00 | $25.00 | 11/26/2010 8:01:05 AM |
| cablenews | $50.00 | $50.00 | 11/26/2010 8:53:28 AM |
| rmpedi33 | $25.00 | $25.00 | 11/26/2010 8:28:08 AM |
| bold-durability-drum | $50.00 | $50.00 | 11/26/2010 8:04:04 AM |
| liquidbread11 | $25.00 | $25.00 | 11/26/2010 9:35:10 AM |
| nybanker85 | $50.00 | $50.00 | 11/26/2010 8:53:52 AM |
| the-kinetic-nickel | $25.00 | $25.00 | 11/26/2010 9:33:43 AM |
| jubilant-fund6 | $25.00 | $25.00 | 11/26/2010 9:34:03 AM |
| income-vault6 | $25.00 | $25.00 | 11/26/2010 9:36:11 AM |
| j2ee | $25.00 | $25.00 | 11/26/2010 10:41:07 AM |
| Steveoo1 | $25.00 | $25.00 | 11/26/2010 11:05:20 AM |
| efficient-marketplace | $50.00 | $50.00 | 11/26/2010 11:23:28 AM |
| rautility | $50.00 | $50.00 | 11/26/2010 11:51:07 AM |
| LiveNow | $25.00 | $25.00 | 11/26/2010 12:42:25 PM |
| adir1 | $50.00 | $50.00 | 11/26/2010 1:31:30 PM |
| dt_one | $25.00 | $25.00 | 11/26/2010 3:38:03 PM |
| rbotterbLLC | $25.00 | $25.00 | 11/26/2010 2:55:41 PM |
| velocity-solo | $25.00 | $25.00 | 11/26/2010 3:39:06 PM |
| wrighco | $25.00 | $25.00 | 11/26/2010 4:05:05 PM |
| trade-boots1 | $100.00 | $100.00 | 11/26/2010 5:28:14 PM |
| MrBailey | $25.00 | $25.00 | 11/26/2010 6:33:58 PM |
| peace-maximizer8 | $25.00 | $25.00 | 11/26/2010 7:13:38 PM |
| emphatic-deal5 | $40.00 | $40.00 | 11/26/2010 8:02:56 PM |
| squarebob | $50.00 | $50.00 | 11/26/2010 10:11:47 PM |
| upright-commitment5 | $25.00 | $25.00 | 11/27/2010 1:07:35 AM |
| coin-investor | $25.00 | $25.00 | 11/27/2010 6:10:03 AM |
| community-seahorse0 | $25.00 | $25.00 | 11/27/2010 9:27:41 AM |
| Bank42 | $50.00 | $50.00 | 11/27/2010 8:00:00 AM |
| Sol_Invictus | $25.00 | $25.00 | 11/27/2010 2:01:31 PM |
| credit-bliss8 | $25.00 | $25.00 | 11/27/2010 4:02:58 PM |
| the-enterprising-leverage | $25.00 | $25.00 | 11/27/2010 11:14:29 PM |
| PRGuyinVA | $50.00 | $50.00 | 11/27/2010 9:25:57 PM |
| commerce-yeller | $50.00 | $50.00 | 11/28/2010 11:32:58 AM |
| MarkVSchwartz | $50.00 | $50.00 | 11/28/2010 7:27:44 AM |
| the-silver-blaster | $50.00 | $50.00 | 11/28/2010 3:26:59 PM |
| blue-velocity-investor | $25.00 | $25.00 | 11/29/2010 6:53:04 AM |
| gain-gourd | $100.00 | $100.00 | 11/28/2010 8:35:30 PM |
| income-mushroom | $50.00 | $50.00 | 11/29/2010 9:38:29 AM |
| TeamAmerica | $25.00 | $25.00 | 11/29/2010 9:43:09 AM |
| efficient-treasure0 | $25.00 | $25.00 | 11/29/2010 6:28:22 AM |
| open-dough6 | $50.00 | $50.00 | 11/29/2010 10:23:03 AM |
| Artist_Blue | $25.00 | $25.00 | 11/29/2010 7:44:59 AM |
| SajDiddy | $50.00 | $50.00 | 11/29/2010 8:17:59 AM |
| p2ploan-axis | $25.00 | $25.00 | 11/29/2010 11:12:31 AM |
| ducati777 | $25.00 | $25.00 | 11/29/2010 11:15:00 AM |
| first-upright-payout | $25.00 | $25.00 | 11/29/2010 9:08:17 AM |
| bazaar-utensil7 | $50.00 | $50.00 | 11/29/2010 9:44:08 AM |
| IP | $38.27 | $38.27 | 11/29/2010 11:15:05 AM |
| blissful-note7 | $25.00 | $25.00 | 11/29/2010 11:16:48 AM |
| greenback-museum | $25.00 | $25.00 | 11/29/2010 11:18:45 AM |
| MarinLoans | $25.00 | $25.00 | 11/29/2010 11:24:11 AM |
| schreibp | $25.00 | $25.00 | 11/29/2010 2:29:01 PM |
| nilonc1 | $25.00 | $25.00 | 11/29/2010 12:43:22 PM |
| the-bright-velocity | $25.00 | $25.00 | 11/29/2010 1:08:25 PM |
| EODLEGS | $25.00 | $25.00 | 11/29/2010 2:54:44 PM |
| listing-vista | $100.00 | $100.00 | 11/29/2010 1:17:40 PM |
| economy-beast | $25.00 | $25.00 | 11/29/2010 1:48:45 PM |
| agile-diversification2 | $25.00 | $25.00 | 11/29/2010 2:29:03 PM |
| A2D | $50.01 | $50.01 | 11/29/2010 2:43:01 PM |
| ash135 | $25.00 | $25.00 | 11/30/2010 12:59:46 AM |
| selfmademan | $25.00 | $25.00 | 11/30/2010 1:13:05 AM |
| Ven58 | $25.00 | $25.00 | 11/30/2010 1:14:50 AM |
| Cai8899 | $30.00 | $30.00 | 11/30/2010 12:59:38 AM |
| Papa_Mema | $25.00 | $25.00 | 11/30/2010 2:16:06 AM |
| Weaverville | $48.40 | $48.40 | 11/30/2010 1:13:36 AM |
| burgeoning-silver | $25.00 | $25.00 | 11/29/2010 5:29:35 PM |
| myduck | $35.00 | $35.00 | 11/29/2010 7:22:05 PM |
| silver-armada | $50.00 | $50.00 | 11/30/2010 4:13:05 AM |
| ttnk62918 | $25.00 | $25.00 | 11/30/2010 3:19:08 AM |
| nalaari | $25.00 | $25.00 | 11/30/2010 3:20:15 AM |
| 626457 | $25.00 | $25.00 | 11/30/2010 1:58:38 AM |
| studious-bonus7 | $76.70 | $76.70 | 11/30/2010 3:21:17 AM |
| micloans | $25.00 | $25.00 | 11/30/2010 9:10:31 AM |
| gavinfh | $25.00 | $25.00 | 11/30/2010 5:52:45 AM |
| dajen1 | $50.00 | $50.00 | 11/30/2010 10:17:52 AM |
| mraleig | $100.00 | $100.00 | 11/30/2010 10:43:41 AM |
| LittlePiggyBank | $25.00 | $25.00 | 11/30/2010 11:57:44 AM |
| lucrative-coin | $50.00 | $50.00 | 11/30/2010 11:14:30 AM |
| gold-channel2 | $25.00 | $25.00 | 11/30/2010 11:26:04 AM |
| goodfaithAK | $50.00 | $50.00 | 11/30/2010 1:10:14 PM |
| mgking007 | $25.00 | $25.00 | 11/30/2010 12:38:59 PM |
| mammalian4 | $25.00 | $25.00 | 11/30/2010 1:42:48 PM |
| 219 bids
|
Borrower Payment Dependent Notes Series
485418
This series of Notes was issued and sold upon the funding of the borrower loan #45754, 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-22-2010 |
| |
Auction end date:
| Nov-29-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $316.34 |
|
Final lender yield:
| 28.50% |
Final borrower rate/APR:
| 29.50% / 33.10% |
Final monthly payment:
| $316.34 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 6 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 7y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,866 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| mover851 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay down my credit card debt.
My financial situation:
I am a good candidate for this loan because I have had a steady job for the past 8 years.
Monthly net income: $
3500
Monthly expenses: $
??Housing: $
1085
??Insurance: $
75
??Car expenses: $
500
??Utilities: $
100
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $100.00 | $100.00 | 11/22/2010 12:36:15 PM |
| happy-return4 | $29.88 | $29.88 | 11/22/2010 5:06:32 PM |
| danthemon35 | $25.00 | $25.00 | 11/22/2010 7:01:00 PM |
| bid-czar8 | $100.00 | $100.00 | 11/22/2010 5:46:44 PM |
| 371millwood | $300.00 | $300.00 | 11/23/2010 5:06:13 AM |
| Artist_Blue | $25.00 | $25.00 | 11/23/2010 2:26:30 AM |
| musegaze | $38.79 | $38.79 | 11/22/2010 7:18:16 PM |
| soulful-truth | $25.00 | $25.00 | 11/22/2010 9:19:10 PM |
| kind-efficient-credit | $50.00 | $50.00 | 11/23/2010 1:37:50 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/23/2010 4:28:12 PM |
| Kaj | $25.00 | $25.00 | 11/23/2010 4:37:35 PM |
| loyalist1 | $50.00 | $50.00 | 11/24/2010 7:59:18 AM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:59:40 AM |
| greencat | $50.00 | $50.00 | 11/24/2010 8:30:49 AM |
| MedLend | $45.57 | $45.57 | 11/24/2010 6:52:50 PM |
| AlexTrep | $25.00 | $25.00 | 11/26/2010 7:14:17 AM |
| AF-Chief | $50.00 | $50.00 | 11/26/2010 7:53:09 AM |
| gallant-economy9 | $132.59 | $132.59 | 11/26/2010 8:38:21 AM |
| nybanker85 | $30.00 | $30.00 | 11/26/2010 9:01:08 AM |
| income-vault6 | $25.00 | $25.00 | 11/26/2010 9:36:54 AM |
| DonaldColorado | $50.00 | $50.00 | 11/26/2010 10:19:10 AM |
| bazaar-secret-agent6 | $50.00 | $50.00 | 11/26/2010 11:21:11 AM |
| LiveNow | $25.00 | $25.00 | 11/26/2010 12:41:48 PM |
| ivadood | $50.00 | $50.00 | 11/26/2010 1:50:22 PM |
| asiaratt | $50.00 | $50.00 | 11/26/2010 3:50:31 PM |
| Rick21 | $25.00 | $25.00 | 11/26/2010 3:51:09 PM |
| bulsa | $100.00 | $100.00 | 11/26/2010 8:45:08 PM |
| 850 | $50.00 | $50.00 | 11/26/2010 9:04:08 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 9:50:55 PM |
| cash-spark3 | $25.00 | $25.00 | 11/26/2010 8:48:08 PM |
| a-finance-nirvana | $25.00 | $25.00 | 11/27/2010 1:21:32 AM |
| ferocious-exchange3 | $25.00 | $25.00 | 11/26/2010 11:33:23 PM |
| tech310 | $50.00 | $50.00 | 11/27/2010 2:33:10 PM |
| Headhunter14 | $50.00 | $50.00 | 11/28/2010 5:23:14 AM |
| order-elevator7 | $25.00 | $25.00 | 11/28/2010 10:49:23 AM |
| suges | $25.00 | $25.00 | 11/28/2010 10:07:15 AM |
| loss-of-control | $25.00 | $25.00 | 11/28/2010 2:32:38 PM |
| mckhbnpc | $30.00 | $30.00 | 11/28/2010 4:57:58 PM |
| squarebob | $25.00 | $25.00 | 11/28/2010 12:38:35 PM |
| life-is-great | $35.67 | $35.67 | 11/28/2010 5:11:21 PM |
| loss-of-control | $50.00 | $50.00 | 11/28/2010 2:32:13 PM |
| jwm | $25.00 | $25.00 | 11/28/2010 10:03:36 PM |
| Kash2010lu | $25.00 | $25.00 | 11/28/2010 5:54:30 PM |
| skillful-asset5 | $30.00 | $30.00 | 11/28/2010 9:29:11 PM |
| squarebob | $73.45 | $73.45 | 11/29/2010 10:00:19 AM |
| rupee-cake | $25.00 | $25.00 | 11/29/2010 7:43:54 AM |
| gotjack | $25.00 | $25.00 | 11/29/2010 10:52:03 AM |
| squarebob | $100.00 | $100.00 | 11/29/2010 11:06:10 AM |
| reflective-rupee | $375.00 | $375.00 | 11/29/2010 11:14:03 AM |
| nickel-universe2 | $25.00 | $25.00 | 11/29/2010 11:43:13 AM |
| kindness-venture1 | $50.00 | $50.00 | 11/29/2010 11:22:36 AM |
| lcole32 | $25.00 | $25.00 | 11/29/2010 11:12:56 AM |
| income-sage9 | $25.00 | $25.00 | 11/29/2010 11:17:44 AM |
| EngineersAlliance | $25.00 | $25.00 | 11/29/2010 11:45:34 AM |
| simplelender80 | $100.00 | $100.00 | 11/22/2010 12:39:59 PM |
| raisingophelia | $25.00 | $25.00 | 11/22/2010 12:40:36 PM |
| ASR3 | $25.00 | $25.00 | 11/22/2010 12:38:24 PM |
| hopeful-truth5 | $100.00 | $100.00 | 11/22/2010 2:06:09 PM |
| reflective-rupee | $375.00 | $375.00 | 11/22/2010 4:02:20 PM |
| velocity-solo | $25.00 | $25.00 | 11/22/2010 5:35:19 PM |
| inspiring-reward | $150.00 | $150.00 | 11/22/2010 5:38:56 PM |
| investment-comet | $25.00 | $25.00 | 11/22/2010 5:47:35 PM |
| kulender | $50.00 | $50.00 | 11/22/2010 5:24:00 PM |
| deal-hickory5 | $50.00 | $50.00 | 11/22/2010 5:31:56 PM |
| lendstats_com | $200.00 | $200.00 | 11/22/2010 8:58:38 PM |
| JustMee | $25.00 | $25.00 | 11/23/2010 7:25:21 AM |
| money-bauble | $25.00 | $25.00 | 11/23/2010 3:56:23 AM |
| building_community | $50.00 | $50.00 | 11/23/2010 7:40:34 AM |
| parsec9 | $25.00 | $25.00 | 11/23/2010 9:48:57 AM |
| worth-arch | $25.00 | $25.00 | 11/23/2010 1:47:54 PM |
| courteous-kindness1 | $50.00 | $50.00 | 11/23/2010 4:38:07 PM |
| 6moonbeams | $50.00 | $50.00 | 11/23/2010 7:32:53 PM |
| finance-prescription | $50.00 | $50.00 | 11/24/2010 7:46:08 AM |
| hopeful-truth5 | $200.00 | $200.00 | 11/24/2010 10:38:16 AM |
| 108lender | $40.33 | $40.33 | 11/24/2010 10:17:42 AM |
| bazaar-festivity | $25.00 | $25.00 | 11/24/2010 11:17:44 AM |
| SolarMoonshine | $25.00 | $25.00 | 11/24/2010 1:40:29 PM |
| brother_tam | $31.60 | $31.60 | 11/24/2010 3:35:51 PM |
| loanman2007 | $150.00 | $150.00 | 11/25/2010 7:15:58 AM |
| Requiem | $25.00 | $25.00 | 11/25/2010 8:31:10 AM |
| Mariner3605 | $50.00 | $50.00 | 11/26/2010 1:53:00 AM |
| finance-mushroom | $27.99 | $27.99 | 11/26/2010 7:12:54 AM |
| Comoparklender | $25.00 | $25.00 | 11/26/2010 8:45:17 AM |
| jazzlender | $25.00 | $25.00 | 11/26/2010 8:48:54 AM |
| zebra806 | $100.00 | $100.00 | 11/26/2010 8:31:21 AM |
| cablenews | $50.00 | $50.00 | 11/26/2010 9:02:21 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:09:08 AM |
| shur | $25.00 | $25.00 | 11/26/2010 10:41:01 AM |
| paytonbrigadier | $200.00 | $200.00 | 11/26/2010 12:15:13 PM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/26/2010 1:34:23 PM |
| well-mannered-income3 | $35.00 | $35.00 | 11/26/2010 3:11:17 PM |
| reward-motion | $25.00 | $25.00 | 11/26/2010 3:50:29 PM |
| nilonc1 | $25.00 | $25.00 | 11/26/2010 3:41:17 PM |
| Whipster | $50.00 | $50.00 | 11/26/2010 5:28:15 PM |
| trade-boots1 | $100.00 | $100.00 | 11/26/2010 5:28:40 PM |
| economy-synapse | $25.00 | $25.00 | 11/26/2010 8:14:20 PM |
| navstox | $25.00 | $25.00 | 11/26/2010 9:35:06 PM |
| Wellman | $39.43 | $39.43 | 11/27/2010 3:24:29 AM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/27/2010 12:14:27 PM |
| pfenness | $50.00 | $50.00 | 11/27/2010 5:48:02 PM |
| apostle901 | $39.93 | $39.93 | 11/27/2010 6:32:45 PM |
| benefit-banshee | $50.00 | $50.00 | 11/28/2010 7:07:31 AM |
| kc8fot | $50.00 | $50.00 | 11/28/2010 9:47:40 AM |
| squarebob | $25.00 | $25.00 | 11/28/2010 12:39:00 PM |
| MadHun | $33.81 | $33.81 | 11/28/2010 2:16:37 PM |
| loss-of-control | $100.00 | $100.00 | 11/28/2010 2:31:26 PM |
| the-silver-blaster | $50.00 | $50.00 | 11/28/2010 3:26:28 PM |
| OLYVRC | $25.00 | $25.00 | 11/28/2010 7:20:12 PM |
| dinero-jedi | $50.00 | $50.00 | 11/29/2010 4:02:46 AM |
| loss-of-control | $50.00 | $50.00 | 11/28/2010 2:31:45 PM |
| nickel-position | $25.00 | $25.00 | 11/29/2010 12:11:27 AM |
| wonder3 | $25.00 | $25.00 | 11/29/2010 6:16:53 AM |
| gain-gourd | $100.00 | $100.00 | 11/28/2010 8:34:53 PM |
| flexible-money1 | $50.00 | $50.00 | 11/29/2010 9:39:17 AM |
| houli123 | $500.00 | $500.00 | 11/29/2010 10:04:39 AM |
| hopeful-truth5 | $100.00 | $100.00 | 11/29/2010 11:36:12 AM |
| favorite-commerce | $50.00 | $50.00 | 11/29/2010 11:45:39 AM |
| efficient-marketplace | $50.00 | $50.00 | 11/29/2010 11:22:00 AM |
| brightest-income-hunter | $45.00 | $45.00 | 11/29/2010 11:40:27 AM |
| reflective-rupee | $375.00 | $260.96 | 11/29/2010 11:56:36 AM |
| foothillender | $25.00 | $25.00 | 11/29/2010 12:27:22 PM |
| 121 bids
|
Borrower Payment Dependent Notes Series
485840
This series of Notes was issued and sold upon the funding of the borrower loan #45680, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 4.95% |
Auction start date:
| Nov-29-2010 |
| |
Auction end date:
| Dec-03-2010 |
|
|
Starting lender yield:
| 12.40% |
Starting borrower rate/APR:
| 13.40% / 15.55% |
Starting monthly payment:
| $338.87 |
|
Final lender yield:
| 12.40% |
Final borrower rate/APR:
| 13.40% / 15.55% |
Final monthly payment:
| $338.87 |
| |
|
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:
| Mar-1998 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
8 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 54 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,711 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| KyEducator |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 30 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Oct-2009)
700-719
(Jul-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Money for Property Taxes
Purpose of loan:
This loan will be used to?pay my property taxes?
My financial situation:
I am a good candidate for this loan because? I have had two loans with prosper and I have paid both off
Monthly net income: $ $5,000
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:
Sorry. Disregard the question about your expenses. I see that you have detailed them on one of your previous loans. All be investing your loan. Please pay me back. - setUup
A:
I sent this to you another way, but thank you for investing in my loan, and yes I will pay you back. You will definetly make money off me.
(Dec-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| equitable-p2ploan8 | $25.00 | $25.00 | 12/3/2010 10:12:01 AM |
| proper-commitment5 | $25.00 | $25.00 | 11/29/2010 2:59:07 PM |
| dunox | $50.00 | $50.00 | 11/29/2010 3:04:36 PM |
| enthralling-deal180 | $50.00 | $50.00 | 11/29/2010 3:01:31 PM |
| ASR3 | $25.00 | $25.00 | 11/29/2010 3:07:02 PM |
| AFairDeal | $50.00 | $50.00 | 11/29/2010 3:07:13 PM |
| skuba | $25.00 | $25.00 | 11/29/2010 3:07:29 PM |
| kulender | $50.00 | $50.00 | 11/29/2010 3:00:04 PM |
| platinum-celebration4 | $25.00 | $25.00 | 11/29/2010 3:06:55 PM |
| stuy1998 | $25.00 | $25.00 | 11/29/2010 3:18:11 PM |
| reward-motion | $50.00 | $50.00 | 11/29/2010 3:18:25 PM |
| trade-boots1 | $100.00 | $100.00 | 11/29/2010 3:23:59 PM |
| MrBailey | $25.00 | $25.00 | 11/29/2010 3:24:49 PM |
| wayman | $50.00 | $50.00 | 11/29/2010 3:27:23 PM |
| ichibon | $150.00 | $150.00 | 11/29/2010 3:15:20 PM |
| reflective-rupee | $100.00 | $100.00 | 11/29/2010 3:29:52 PM |
| reflective-rupee | $300.00 | $300.00 | 11/29/2010 3:30:27 PM |
| the-silver-blaster | $50.00 | $50.00 | 11/29/2010 3:31:16 PM |
| Artist_Blue | $25.00 | $25.00 | 11/29/2010 3:32:01 PM |
| money-bauble | $25.00 | $25.00 | 11/29/2010 3:32:47 PM |
| peace-maximizer8 | $25.00 | $25.00 | 11/29/2010 3:25:22 PM |
| the-bright-velocity | $25.00 | $25.00 | 11/29/2010 3:34:51 PM |
| gavinfh | $25.00 | $25.00 | 11/30/2010 5:53:21 AM |
| RationalWorld | $25.00 | $25.00 | 11/30/2010 7:12:35 AM |
| worthy-bid8 | $100.00 | $100.00 | 11/30/2010 7:12:03 AM |
| zebra806 | $25.00 | $25.00 | 11/30/2010 7:57:45 AM |
| triumph329 | $33.15 | $33.15 | 11/30/2010 8:49:29 AM |
| rss197 | $25.00 | $25.00 | 11/30/2010 9:12:56 AM |
| astute-investment5 | $25.00 | $25.00 | 11/30/2010 9:33:27 AM |
| competent-p2p | $25.00 | $25.00 | 11/30/2010 11:14:42 AM |
| tsui517 | $25.00 | $25.00 | 11/30/2010 2:28:27 PM |
| handshake5 | $77.37 | $77.37 | 11/30/2010 2:28:35 PM |
| maximizer | $25.00 | $25.00 | 11/30/2010 2:28:07 PM |
| efficient-treasure0 | $25.00 | $25.00 | 11/30/2010 2:29:51 PM |
| velocity-solo | $25.00 | $25.00 | 11/30/2010 2:30:52 PM |
| loyalist1 | $100.00 | $100.00 | 11/30/2010 3:11:54 PM |
| graceful-investment | $100.00 | $100.00 | 11/30/2010 3:13:00 PM |
| open-dough6 | $50.00 | $50.00 | 11/30/2010 3:13:51 PM |
| raisingophelia | $25.00 | $25.00 | 11/30/2010 3:13:53 PM |
| SajDiddy | $75.00 | $75.00 | 11/30/2010 4:55:06 PM |
| 108lender | $50.00 | $50.00 | 11/30/2010 2:46:58 PM |
| j2ee | $25.00 | $25.00 | 11/30/2010 3:12:04 PM |
| Occhy | $25.00 | $25.00 | 11/30/2010 7:22:32 PM |
| Bank42 | $50.00 | $50.00 | 12/1/2010 1:22:47 AM |
| generous-deal6 | $50.00 | $50.00 | 12/1/2010 2:58:02 AM |
| Anny-Disco | $50.00 | $50.00 | 12/1/2010 3:40:02 AM |
| dcap3 | $25.00 | $25.00 | 12/1/2010 5:43:55 AM |
| bazaar-secret-agent6 | $46.08 | $46.08 | 12/1/2010 9:07:29 AM |
| 113121 | $25.00 | $25.00 | 12/1/2010 9:26:40 AM |
| julijask | $35.00 | $35.00 | 12/1/2010 2:52:45 PM |
| icchok | $50.00 | $50.00 | 12/1/2010 2:53:45 PM |
| important-ore | $75.00 | $75.00 | 12/1/2010 2:54:49 PM |
| Dweeberkitty1 | $50.00 | $50.00 | 12/1/2010 3:06:11 PM |
| DeepThinker | $25.00 | $25.00 | 12/1/2010 3:23:08 PM |
| econwhiz | $50.00 | $50.00 | 12/1/2010 3:46:33 PM |
| finance-mushroom | $25.00 | $25.00 | 12/1/2010 2:51:23 PM |
| exuberant-loot | $50.00 | $50.00 | 12/1/2010 3:09:01 PM |
| payout-reaction740 | $25.00 | $25.00 | 12/1/2010 3:13:22 PM |
| granitepk | $50.00 | $50.00 | 12/1/2010 5:03:02 PM |
| Kubasaki | $50.00 | $50.00 | 12/1/2010 7:14:21 PM |
| Loan2Own | $50.00 | $50.00 | 12/1/2010 7:36:01 PM |
| marketplace-cello5 | $25.00 | $25.00 | 12/2/2010 3:18:22 AM |
| mmckune | $25.00 | $25.00 | 12/2/2010 5:28:17 AM |
| dinero-speaker | $25.00 | $25.00 | 12/2/2010 2:48:31 AM |
| CAGE-Investments | $25.00 | $25.00 | 12/2/2010 2:51:11 AM |
| alpinaut | $25.00 | $25.00 | 12/2/2010 4:42:42 AM |
| mspiggybank | $200.00 | $200.00 | 12/2/2010 5:08:20 AM |
| fopaul13 | $25.00 | $25.00 | 12/2/2010 7:38:15 AM |
| Josphine | $25.00 | $25.00 | 12/2/2010 5:13:32 AM |
| orderly-leverage | $50.00 | $50.00 | 12/2/2010 5:21:08 AM |
| alaco | $25.00 | $25.00 | 12/2/2010 5:28:25 AM |
| brazilofmux | $25.00 | $25.00 | 12/2/2010 6:03:05 AM |
| DeltaComputerGuy | $25.00 | $25.00 | 12/2/2010 7:24:04 AM |
| anyoi | $50.00 | $50.00 | 12/2/2010 8:51:51 AM |
| jjb3 | $25.00 | $25.00 | 12/2/2010 8:54:49 AM |
| carlover | $25.00 | $25.00 | 12/2/2010 7:46:55 AM |
| note-farm4 | $25.00 | $25.00 | 12/1/2010 9:11:12 PM |
| be_wise | $25.00 | $25.00 | 12/2/2010 8:17:54 AM |
| Cai8899 | $30.00 | $30.00 | 12/2/2010 8:52:54 AM |
| Sam65 | $25.00 | $25.00 | 12/2/2010 2:30:34 AM |
| studious-bonus7 | $49.86 | $49.86 | 12/2/2010 2:55:38 AM |
| one-midas | $100.00 | $100.00 | 12/2/2010 2:09:22 PM |
| rakstar | $25.00 | $25.00 | 12/2/2010 6:03:09 AM |
| ti22ring | $25.00 | $25.00 | 12/2/2010 8:03:13 AM |
| encore739 | $25.00 | $25.00 | 12/2/2010 8:33:03 AM |
| pwkpwk | $25.00 | $25.00 | 12/2/2010 8:56:19 AM |
| hunterMG | $25.00 | $25.00 | 12/2/2010 9:57:07 AM |
| hidavehi | $28.00 | $28.00 | 12/2/2010 4:48:26 PM |
| grampy48 | $50.00 | $50.00 | 12/2/2010 1:13:54 PM |
| Montgomery-Burns | $25.00 | $25.00 | 12/3/2010 12:54:20 AM |
| tech310 | $50.00 | $50.00 | 11/29/2010 2:56:58 PM |
| nickel-ferret | $50.00 | $50.00 | 11/29/2010 2:57:29 PM |
| jazzlender | $25.00 | $25.00 | 11/29/2010 3:01:57 PM |
| Ripsaw4U | $50.00 | $50.00 | 11/29/2010 2:57:58 PM |
| ray1051 | $50.00 | $50.00 | 11/29/2010 3:06:47 PM |
| delicious-social132 | $50.00 | $50.00 | 11/29/2010 3:03:09 PM |
| simplelender80 | $250.00 | $250.00 | 11/29/2010 3:04:11 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 11/29/2010 3:09:26 PM |
| finance_mba | $25.00 | $25.00 | 11/29/2010 3:06:36 PM |
| melodious-fairness | $50.00 | $50.00 | 11/29/2010 3:07:48 PM |
| indomitable-coin | $50.00 | $50.00 | 11/29/2010 3:02:47 PM |
| hopeful-truth5 | $100.00 | $100.00 | 11/29/2010 3:04:58 PM |
| rautility | $50.00 | $50.00 | 11/29/2010 3:20:56 PM |
| LiveNow | $25.00 | $25.00 | 11/29/2010 3:21:31 PM |
| bid-czar8 | $100.00 | $100.00 | 11/29/2010 3:22:18 PM |
| kc8fot | $50.00 | $50.00 | 11/29/2010 3:21:51 PM |
| understanding-affluence5 | $30.00 | $30.00 | 11/29/2010 3:14:28 PM |
| careful-note | $100.00 | $100.00 | 11/29/2010 3:15:03 PM |
| finance-prescription | $100.00 | $100.00 | 11/29/2010 3:16:04 PM |
| Headhunter14 | $25.00 | $25.00 | 11/29/2010 3:29:18 PM |
| rudyindc | $25.00 | $25.00 | 11/29/2010 3:29:53 PM |
| organized-payment6 | $50.00 | $50.00 | 11/29/2010 3:27:08 PM |
| reflective-rupee | $100.00 | $100.00 | 11/29/2010 3:30:12 PM |
| Webpreneur | $50.00 | $50.00 | 11/29/2010 3:17:18 PM |
| Mariner3605 | $100.00 | $100.00 | 11/29/2010 3:18:21 PM |
| radforj22 | $25.00 | $25.00 | 11/29/2010 3:18:37 PM |
| cablenews | $50.00 | $50.00 | 11/29/2010 3:19:32 PM |
| GElender | $75.00 | $75.00 | 11/29/2010 3:34:04 PM |
| gain-gourd | $100.00 | $100.00 | 11/29/2010 3:31:24 PM |
| community-seahorse0 | $25.00 | $25.00 | 11/29/2010 3:27:15 PM |
| bonafide-cash | $50.00 | $50.00 | 11/29/2010 3:28:16 PM |
| JustMee | $25.00 | $25.00 | 11/29/2010 5:46:29 PM |
| economy-beast | $25.00 | $25.00 | 11/29/2010 4:27:21 PM |
| the-enterprising-leverage | $25.00 | $25.00 | 11/29/2010 3:28:59 PM |
| MoneyForNothing | $63.58 | $63.58 | 11/30/2010 12:46:25 AM |
| Aberdeen | $999.99 | $999.99 | 11/30/2010 12:55:49 AM |
| the-profit-oracle | $25.00 | $25.00 | 11/30/2010 3:02:50 AM |
| trunderw | $25.00 | $25.00 | 11/29/2010 7:12:42 PM |
| yield-enlistment | $25.00 | $25.00 | 11/30/2010 7:11:43 AM |
| the-serene-transaction | $28.17 | $28.17 | 11/30/2010 7:57:04 AM |
| p2p-rider7 | $50.00 | $50.00 | 11/30/2010 10:18:24 AM |
| Approved1234 | $25.00 | $25.00 | 11/30/2010 12:47:51 PM |
| Sol_Invictus | $25.00 | $25.00 | 11/30/2010 1:51:04 PM |
| goodfaithAK | $43.08 | $43.08 | 11/30/2010 1:37:42 PM |
| hitsman | $100.00 | $100.00 | 11/30/2010 2:29:29 PM |
| investment-comet | $25.00 | $25.00 | 11/30/2010 2:30:25 PM |
| bazaar-utensil7 | $50.00 | $50.00 | 11/30/2010 3:13:50 PM |
| rvirk | $50.00 | $50.00 | 11/30/2010 3:17:27 PM |
| objective-investor | $150.00 | $150.00 | 11/30/2010 2:27:13 PM |
| income-vault6 | $25.00 | $25.00 | 11/30/2010 2:29:16 PM |
| comet55 | $25.00 | $25.00 | 11/30/2010 4:45:35 PM |
| greenback-guard | $25.00 | $25.00 | 11/30/2010 3:02:00 PM |
| MarinLoans | $25.00 | $25.00 | 11/30/2010 7:37:46 PM |
| blue-relay | $25.00 | $25.00 | 11/30/2010 6:47:23 PM |
| MedLend | $50.00 | $50.00 | 11/30/2010 3:13:40 PM |
| riproaringrapids | $25.00 | $25.00 | 11/30/2010 3:13:57 PM |
| the-debt-fluffy-bunny | $25.00 | $25.00 | 11/30/2010 3:15:00 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/30/2010 3:17:12 PM |
| kind-adventurous-finance | $50.00 | $50.00 | 11/30/2010 3:42:47 PM |
| natural-affluence4 | $25.00 | $25.00 | 11/30/2010 4:07:16 PM |
| native68 | $50.00 | $50.00 | 11/30/2010 8:24:58 PM |
| goodcents | $25.00 | $25.00 | 11/30/2010 8:44:39 PM |
| ASR3 | $25.00 | $25.00 | 12/1/2010 4:44:22 AM |
| setUup | $150.00 | $150.00 | 12/1/2010 6:42:52 AM |
| tomdooley12520 | $25.00 | $25.00 | 12/1/2010 9:30:18 AM |
| rmpedi33 | $50.00 | $50.00 | 12/1/2010 10:27:44 AM |
| first-upright-payout | $25.00 | $25.00 | 12/1/2010 7:40:08 AM |
| blue-useful-auction | $25.00 | $25.00 | 12/1/2010 11:10:35 AM |
| nimble-nickel | $100.00 | $100.00 | 12/1/2010 10:06:01 AM |
| healthy-commerce | $25.00 | $25.00 | 12/1/2010 2:52:20 PM |
| yield-museum | $75.00 | $75.00 | 12/1/2010 2:50:25 PM |
| coin-investor | $25.00 | $25.00 | 12/1/2010 2:51:33 PM |
| Nyarpy | $25.00 | $25.00 | 12/1/2010 3:22:44 PM |
| mjunlimited | $50.00 | $50.00 | 12/1/2010 3:31:00 PM |
| Ballard | $25.00 | $25.00 | 12/1/2010 3:06:46 PM |
| Hola_James | $25.82 | $25.82 | 12/1/2010 2:43:28 PM |
| stolirocks01 | $50.00 | $50.00 | 12/1/2010 2:51:22 PM |
| vigorous-velocity | $100.00 | $100.00 | 12/1/2010 2:51:25 PM |
| pouch7 | $25.00 | $25.00 | 12/1/2010 3:00:35 PM |
| wampum-chorus3 | $50.00 | $50.00 | 12/1/2010 3:32:48 PM |
| jmvingeorgia | $50.00 | $50.00 | 12/1/2010 4:44:44 PM |
| jamiee73 | $25.00 | $25.00 | 12/1/2010 4:59:23 PM |
| authentic-liberty7 | $25.00 | $25.00 | 12/1/2010 7:48:17 PM |
| SimpleChoice | $25.00 | $25.00 | 12/1/2010 8:09:26 PM |
| dajen1 | $30.34 | $30.34 | 12/2/2010 1:19:12 AM |
| responsibility-butterfly | $25.00 | $25.00 | 12/2/2010 5:37:40 AM |
| KDW08 | $25.00 | $25.00 | 12/2/2010 5:52:17 AM |
| LandE2BG | $25.00 | $25.00 | 12/2/2010 5:57:39 AM |
| dedication-merman | $50.00 | $50.00 | 12/2/2010 6:12:39 AM |
| jjswanso | $50.00 | $50.00 | 12/2/2010 6:37:49 AM |
| best-platinum-persimmon | $51.84 | $51.84 | 12/2/2010 6:42:38 AM |
| prudent-gain7 | $25.00 | $25.00 | 12/2/2010 5:12:49 AM |
| a-finance-nirvana | $25.00 | $25.00 | 12/2/2010 5:21:40 AM |
| PsiPro | $25.00 | $25.00 | 12/2/2010 7:46:52 AM |
| cberthiaume | $25.00 | $25.00 | 12/2/2010 9:08:21 AM |
| sweet-peace3 | $25.00 | $25.00 | 12/2/2010 9:19:02 AM |
| grabtakeout | $25.00 | $25.00 | 12/2/2010 9:33:39 AM |
| gaiusceasar | $25.00 | $25.00 | 12/2/2010 9:35:45 AM |
| 0600Zulu | $25.00 | $25.00 | 12/2/2010 8:56:43 AM |
| brightest-supreme-dollar | $50.00 | $46.66 | 12/2/2010 9:33:49 AM |
| twjh | $25.00 | $25.00 | 12/2/2010 1:48:09 PM |
| ddog0224 | $25.00 | $25.00 | 12/2/2010 5:37:38 AM |
| snappy | $30.21 | $30.21 | 12/2/2010 7:46:57 AM |
| building_community | $25.00 | $25.00 | 12/2/2010 8:17:24 AM |
| hope-wonder4 | $25.85 | $25.85 | 12/2/2010 8:27:07 AM |
| visionary-currency | $100.00 | $100.00 | 12/2/2010 8:30:56 AM |
| Whitewater_Loans | $25.00 | $25.00 | 12/2/2010 11:58:29 AM |
| wwwUniversal | $25.00 | $25.00 | 12/3/2010 7:14:20 AM |
| wise-organized-treasure | $25.00 | $25.00 | 12/3/2010 10:06:30 AM |
| bonecrusher | $25.00 | $25.00 | 12/3/2010 8:36:21 AM |
| outofoffice | $50.00 | $50.00 | 12/3/2010 10:12:13 AM |
| 201 bids
|
Borrower Payment Dependent Notes Series
485914
This series of Notes was issued and sold upon the funding of the borrower loan #45771, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,600.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Nov-29-2010 |
| |
Auction end date:
| Dec-03-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $151.84 |
|
Final lender yield:
| 28.50% |
Final borrower rate/APR:
| 29.50% / 33.10% |
Final monthly payment:
| $151.84 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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:
| Nov-1995 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 11y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professor |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $88,646 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Professor65 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off small loans and tax debt
Purpose of loan:
This loan will be used to pay off several small loans as well as my federal tax debt.
My financial situation:
I am a good candidate for this loan because I make payments on time and have an excellent pay history.? My 2009 income was 120,000.00.? From my full time employment and my business.
Monthly net income: Minimum 4500.00 to a maximum of 8000.00, depending on income from my business.? I am employed full 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
Q:
You are maxed out on credit cards. You owe 2/3 of your stated income in revolving credit. Your credit score is low. You owe taxes. It would be helpful if you described how you got to this point and stated some plan for turning it around. - Nazbuster
A:
My current debt situation is due primarily to helping support my son?s family off and on for the past three years. This situation is no longer an issue. My company has a new training contract to provide computer training in Dubai ? our first class will be in January 2011, with five other classes scheduled for 2011. With the net take, I will be able to reduce my revolving debt by 60% at a minimum.
(Nov-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hopeful-truth5 | $100.00 | $100.00 | 11/29/2010 3:04:45 PM |
| simplelender80 | $100.00 | $100.00 | 11/29/2010 3:12:54 PM |
| ASR3 | $25.00 | $25.00 | 11/29/2010 3:12:35 PM |
| Artist_Blue | $25.00 | $25.00 | 11/29/2010 3:26:39 PM |
| bid-czar8 | $100.00 | $100.00 | 11/29/2010 3:22:30 PM |
| greenback-guard | $25.00 | $25.00 | 11/29/2010 3:23:24 PM |
| trade-boots1 | $100.00 | $100.00 | 11/29/2010 3:24:11 PM |
| Mariner3605 | $50.00 | $50.00 | 11/30/2010 10:17:45 AM |
| Nazbuster | $50.00 | $50.00 | 11/30/2010 10:55:41 AM |
| loyalist1 | $50.00 | $50.00 | 11/30/2010 11:32:38 AM |
| musegaze | $42.07 | $42.07 | 11/30/2010 2:30:02 PM |
| nybanker85 | $26.98 | $26.98 | 11/30/2010 3:12:31 PM |
| worthy-bid8 | $50.00 | $50.00 | 12/1/2010 10:43:02 AM |
| gain-gourd | $84.93 | $84.93 | 12/1/2010 7:39:37 AM |
| ichibon | $50.00 | $50.00 | 12/1/2010 9:59:10 AM |
| Redmond | $25.00 | $25.00 | 12/1/2010 2:04:42 PM |
| handshake5 | $100.00 | $100.00 | 12/1/2010 3:06:19 PM |
| LenderOnWheels | $25.00 | $25.00 | 12/1/2010 9:12:50 PM |
| finagler | $25.00 | $25.00 | 12/2/2010 3:30:49 AM |
| bold-attentive-listing | $25.00 | $25.00 | 12/1/2010 7:35:26 PM |
| Comoparklender | $50.00 | $50.00 | 12/2/2010 5:28:13 AM |
| visionary-currency | $50.00 | $50.00 | 12/2/2010 8:33:03 AM |
| wampum-launcher0 | $25.00 | $25.00 | 12/2/2010 9:35:23 AM |
| fortytwo | $36.78 | $36.78 | 12/2/2010 2:13:39 PM |
| be_wise | $25.00 | $25.00 | 12/2/2010 8:31:08 AM |
| credit-sycamore4 | $100.00 | $100.00 | 12/2/2010 3:00:45 PM |
| Frosty | $25.00 | $25.00 | 12/2/2010 5:52:17 PM |
| grampy48 | $35.00 | $35.00 | 12/3/2010 7:37:11 AM |
| b-rent | $25.00 | $25.00 | 12/3/2010 7:44:18 AM |
| mpatrick | $25.00 | $25.00 | 12/2/2010 7:16:16 PM |
| balance-force | $25.00 | $25.00 | 12/2/2010 10:09:23 PM |
| 108lender | $250.00 | $250.00 | 12/3/2010 6:55:16 AM |
| wwwUniversal | $25.00 | $25.00 | 12/3/2010 6:58:36 AM |
| graceful-investment | $100.00 | $100.00 | 11/29/2010 2:56:20 PM |
| finance-prescription | $50.00 | $50.00 | 11/29/2010 3:15:54 PM |
| jazzlender | $25.00 | $25.00 | 11/29/2010 3:19:06 PM |
| finance-prescription | $100.00 | $100.00 | 11/29/2010 3:16:31 PM |
| kulender | $50.00 | $50.00 | 11/29/2010 3:13:45 PM |
| bulsa | $100.00 | $100.00 | 11/29/2010 3:25:49 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/29/2010 3:27:50 PM |
| commerce-yeller | $25.00 | $25.00 | 11/29/2010 3:30:28 PM |
| DonaldColorado | $50.00 | $50.00 | 11/29/2010 3:20:06 PM |
| paytonbrigadier | $200.00 | $200.00 | 11/29/2010 3:21:14 PM |
| building_community | $25.00 | $25.00 | 11/29/2010 4:58:58 PM |
| money-bauble | $25.00 | $25.00 | 11/29/2010 3:32:28 PM |
| rautility | $25.00 | $25.00 | 11/29/2010 6:38:49 PM |
| nickel-hickory | $50.00 | $50.00 | 11/29/2010 10:42:57 PM |
| astute-investment5 | $25.00 | $25.00 | 11/30/2010 9:34:04 AM |
| kind-adventurous-finance | $50.00 | $50.00 | 11/30/2010 3:43:22 PM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/30/2010 2:45:31 PM |
| ThatDanGuy | $100.00 | $100.00 | 12/1/2010 7:33:24 AM |
| PrivateLoaner | $25.28 | $25.28 | 12/1/2010 1:33:02 PM |
| Whipster | $25.00 | $25.00 | 12/1/2010 2:09:31 PM |
| investment-comet | $25.00 | $25.00 | 12/1/2010 11:15:18 AM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:05:47 PM |
| LiveNow | $25.00 | $25.00 | 12/1/2010 7:53:01 PM |
| competent-p2p | $50.00 | $50.00 | 12/2/2010 7:52:56 AM |
| finance-magma7 | $100.00 | $100.00 | 12/1/2010 9:13:01 PM |
| flexible-income9 | $42.62 | $42.62 | 12/1/2010 10:37:42 PM |
| fuzed | $25.00 | $25.00 | 12/2/2010 9:56:59 AM |
| courteous-kindness1 | $50.00 | $50.00 | 12/2/2010 5:20:39 AM |
| raisingophelia | $25.00 | $25.00 | 12/2/2010 5:20:57 AM |
| newest-generous-income | $25.00 | $25.00 | 12/2/2010 9:34:33 AM |
| AAKBCAPITAL | $50.00 | $50.00 | 12/2/2010 8:39:38 PM |
| Ven58 | $25.00 | $25.00 | 12/3/2010 12:54:26 AM |
| mercuriant | $25.00 | $25.00 | 12/2/2010 11:49:53 PM |
| a-finance-nirvana | $25.00 | $25.00 | 12/3/2010 4:55:26 AM |
| loan-fate | $75.00 | $75.00 | 12/3/2010 5:07:25 AM |
| leverage-monger | $50.00 | $50.00 | 12/3/2010 6:44:35 AM |
| spiff666 | $25.00 | $25.00 | 12/3/2010 7:01:31 AM |
| soulful-truth | $25.00 | $6.34 | 12/3/2010 2:18:46 AM |
| nickel-position | $25.00 | $25.00 | 12/3/2010 7:39:50 AM |
| 72 bids
|
Borrower Payment Dependent Notes Series
485994
This series of Notes was issued and sold upon the funding of the borrower loan #45751, 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:
| Nov-29-2010 |
| |
Auction end date:
| Dec-02-2010 |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $82.46 |
|
Final lender yield:
| 26.75% |
Final borrower rate/APR:
| 27.75% / 31.31% |
Final monthly payment:
| $82.46 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
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:
| May-2000 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
3 | Length of status: | 0y 2m |
|
Amount delinquent:
| $3,525 |
Total credit lines:
| 11 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,310 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lewispbadger |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 9 ( 82% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $13,000.00 | < 31 days late:
| 2
( 18% )
| 640-659
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Replace some leaking appliances
Purpose of loan:
This loan will be used to replace some leaking appliances in our house before too much damage is caused.
My financial situation:
I am a good candidate for this loan because I?should be able to pay the loan off in well?under?3 years.?
Monthly net income: $ 4518
Monthly expenses: $
??Housing: $ 2,200
??Insurance: $ 75????????
??Car expenses: $ 200????
??Utilities: $ 125
??Phone, cable, internet: $?240
??Food, entertainment: $ 350
??Clothing, household expenses $?200
??Credit cards and other loans: $ 23
??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:
Please explain the delinquency shown on your Prosper credit profile. Thanks and best wishes. - reflective-rupee
A:
I was laid off for 5 months in 2009 and had about 4 months of savings available. Made every mortgage payment on time except the last. When I started my job, I resumed payments, but was sending them a month late. Finally asked for a short-term modification and am now paying about 1.2 payments a month for 6 months (4 modified payments remain). I will be 100% current on my mortgage again in March.
(Nov-29-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| loyalist1 | $50.00 | $50.00 | 11/29/2010 2:59:13 PM |
| graceful-investment | $100.00 | $100.00 | 11/29/2010 2:58:30 PM |
| kulender | $100.00 | $100.00 | 11/29/2010 3:14:01 PM |
| simplelender80 | $100.00 | $100.00 | 11/29/2010 3:12:55 PM |
| bid-czar8 | $100.00 | $100.00 | 11/29/2010 3:22:32 PM |
| bulsa | $100.00 | $33.29 | 11/29/2010 3:25:53 PM |
| tech310 | $50.00 | $50.00 | 11/29/2010 3:34:19 PM |
| paytonbrigadier | $200.00 | $200.00 | 11/29/2010 3:21:17 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/29/2010 5:52:25 PM |
| reflective-rupee | $50.00 | $50.00 | 11/29/2010 7:57:25 PM |
| alexgalt | $25.00 | $25.00 | 11/29/2010 11:00:00 PM |
| supreme-hope | $25.00 | $25.00 | 11/30/2010 9:20:19 AM |
| musegaze | $25.01 | $25.01 | 11/30/2010 2:39:42 PM |
| TpbiCapitals | $41.70 | $41.70 | 11/30/2010 10:57:57 PM |
| donenzo | $25.00 | $25.00 | 12/1/2010 6:35:44 AM |
| setUup | $50.00 | $50.00 | 12/1/2010 7:11:25 AM |
| bondhedger | $25.00 | $25.00 | 12/1/2010 11:20:00 AM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:05:51 PM |
| vutah | $25.00 | $25.00 | 12/1/2010 6:54:49 PM |
| Helenska11 | $25.00 | $25.00 | 12/2/2010 3:11:20 AM |
| hopeful-truth5 | $100.00 | $100.00 | 11/29/2010 3:04:46 PM |
| finance-prescription | $100.00 | $100.00 | 11/29/2010 3:16:30 PM |
| jazzlender | $25.00 | $25.00 | 11/29/2010 3:19:10 PM |
| reflective-rupee | $25.00 | $25.00 | 11/29/2010 3:19:32 PM |
| DonaldColorado | $50.00 | $50.00 | 11/29/2010 3:20:10 PM |
| ASR3 | $25.00 | $25.00 | 11/29/2010 3:12:32 PM |
| trade-boots1 | $100.00 | $100.00 | 11/29/2010 3:24:17 PM |
| finance-prescription | $50.00 | $50.00 | 11/29/2010 3:15:55 PM |
| rautility | $25.00 | $25.00 | 11/29/2010 6:37:17 PM |
| greenback-guard | $25.00 | $25.00 | 11/30/2010 7:51:12 AM |
| progressive-treasure1 | $50.00 | $50.00 | 11/30/2010 3:02:15 PM |
| Requiem | $25.00 | $25.00 | 11/30/2010 3:11:47 PM |
| interstellar | $50.00 | $50.00 | 12/1/2010 1:45:29 AM |
| wwwUniversal | $25.00 | $25.00 | 12/1/2010 3:13:37 AM |
| brwnidgirl | $50.00 | $50.00 | 12/1/2010 6:59:12 AM |
| FriendInSeattle | $100.00 | $100.00 | 12/1/2010 12:15:26 PM |
| Reliance_Banker | $25.00 | $25.00 | 12/1/2010 6:56:26 PM |
| dedicated-transaction796 | $50.00 | $50.00 | 12/1/2010 7:30:57 PM |
| 38 bids
|