Sales Report:Supplement No. 91 dated Dec 08, 2010 to Prospectus dated Jul 26, 2010
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 26, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 417168
This series of Notes was issued and sold upon the funding of the borrower loan #45813, 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-23-2010 
  Auction end date:  Nov-30-2010 
 
Starting lender yield: 20.90% Starting borrower rate/APR: 21.90% / 25.33% Starting monthly payment: $190.69
Final lender yield: 18.99% Final borrower rate/APR: 19.99% / 23.38% Final monthly payment: $185.79
 
Auction yield range: 10.57% - 20.90% Estimated loss impact: 10.25%  
Lender servicing fee: 1.00% Estimated return: 8.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1997 Debt/Income ratio: 33%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,224Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: sporteus Borrower's state: Illinois Borrower's group: 4 year college grads with jobs
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 54 ( 100% ) 700-719 (Latest)
Principal borrowed: $17,500.00< 31 days late: 0 ( 0% )  
680-699 (Dec-2007)
620-639 (May-2006)
 
Principal balance: $509.62 31+ days late: 0 ( 0% )
Total payments billed: 54  
Description
Pay off moving debt
My partner and I will be moving to Chicago so she can attend a graduate program at Northwestern University. I will also be pursuing my master's degree in library science. This loan will help assist in financing our move (including rent deposit, moving down payment, etc). The Prosper community has been amazing. I received a $10,000 loan more than four-years ago that paid off medical bills. I currently am paying down a $7,500 loan for credit card debt -- principal balance is now $509 (to be paid off in January 2011). I've never been late on a payment in the last four years. This $5,000 loan request will not only help with moving cost, but a small portion will also go towards some credit card debt. I will be working full-time as a development manager in Chicago, attending school at night and online. I would not ever take a loan where I could not afford the monthly payments. Additionally, my partner is getting all tuition costs fully funded plus a very handsome living stipend (more than what she was earning in Boston as a researcher). Any questions you have, please don't hesitate to contact me. Thank you so much! I'm so grateful to the Prosper community!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CA_Lender$25.00$25.0011/23/2010 2:44:35 PM
MoneyForNothing$52.31$52.3111/23/2010 11:38:13 PM
lendstats_com$300.00$300.0011/24/2010 8:45:19 AM
JustMee$25.00$25.0011/24/2010 7:17:15 PM
WealthBuildingLessons$50.00$50.0011/26/2010 12:32:26 AM
elevated-generosity$25.00$25.0011/26/2010 1:36:10 PM
bsmtloan$79.58$79.5811/26/2010 3:23:06 PM
vine99$65.00$65.0011/26/2010 4:39:41 PM
Chris88ace$100.00$100.0011/26/2010 5:56:06 PM
first-serene-credit$25.00$25.0011/26/2010 5:58:01 PM
exchange-dreams$50.00$50.0011/26/2010 6:09:27 PM
Helenska11$50.00$50.0011/26/2010 8:28:45 PM
squarebob$25.00$25.0011/26/2010 9:59:21 PM
squarebob$25.00$25.0011/26/2010 9:59:46 PM
keichi03$25.00$25.0011/27/2010 7:02:07 AM
momentous-payment5$100.00$88.8311/27/2010 10:05:23 AM
felicity-daydream$92.00$92.0011/28/2010 4:59:23 PM
one-midas$50.00$50.0011/28/2010 3:01:57 PM
atlas100$50.00$50.0011/29/2010 10:44:47 AM
point-enforcer$25.00$25.0011/29/2010 11:13:30 AM
credit-missile$25.00$25.0011/29/2010 11:18:27 AM
credit-missile$25.00$25.0011/29/2010 11:17:56 AM
bunnybear$38.08$38.0811/29/2010 1:35:15 PM
DaddyBill$30.00$30.0011/29/2010 3:17:48 PM
RebuildingAmerica$30.00$30.0011/29/2010 4:37:00 PM
draggon77$25.00$25.0011/29/2010 4:51:43 PM
bughead$25.00$25.0011/29/2010 7:04:08 PM
itsmaj$87.41$87.4111/29/2010 8:28:44 PM
lender12345$25.00$25.0011/29/2010 8:45:45 PM
brightest-fascinating-principal$50.00$50.0011/29/2010 6:15:17 PM
Grub63$25.00$25.0011/29/2010 5:12:41 PM
LittleMingo$29.66$29.6611/30/2010 2:19:50 AM
chkrvrty$30.62$30.6211/30/2010 2:42:02 AM
eBankInvest$71.21$71.2111/29/2010 8:56:26 PM
jcw3rd$25.00$25.0011/30/2010 5:51:41 AM
martymaniaman$25.00$25.0011/30/2010 5:58:01 AM
credit-missile$25.00$25.0011/30/2010 8:00:14 AM
WZ3190$25.00$25.0011/30/2010 8:26:09 AM
Helping-One-Another$26.33$26.3311/30/2010 8:38:26 AM
JerryB96$25.00$25.0011/30/2010 8:41:49 AM
lively-exchange$31.66$31.6611/30/2010 10:21:45 AM
ChoiceInvestments$26.00$26.0011/30/2010 9:04:10 AM
ElbowToast$68.00$68.0011/30/2010 11:49:12 AM
HomerdohNY$25.00$25.0011/30/2010 11:51:12 AM
good4loan$25.00$25.0011/30/2010 12:39:28 PM
ustfu$25.87$25.8711/30/2010 10:06:11 AM
zotzot$25.00$25.0011/30/2010 10:51:59 AM
helynn$25.00$25.0011/30/2010 2:09:08 PM
Astyanax$100.00$100.0011/30/2010 12:05:47 PM
simeonthewhale$25.00$25.0011/30/2010 12:15:59 PM
RecoveryLender$25.00$25.0011/30/2010 2:20:45 PM
jybank$25.00$25.0011/30/2010 2:17:30 PM
taetrade$25.00$25.0011/30/2010 1:30:19 PM
money_magnet$45.00$45.0011/30/2010 2:26:48 PM
one-midas$150.00$150.0011/30/2010 2:08:38 PM
moola-accelerator6$40.00$40.0011/30/2010 2:38:10 PM
investment-artist$50.00$50.0011/24/2010 9:50:11 AM
ahansen$128.55$128.5511/25/2010 2:13:30 AM
gdfp158$25.00$25.0011/26/2010 6:31:12 AM
beans53$25.00$25.0011/26/2010 7:52:07 AM
SolarMoonshine$100.00$100.0011/26/2010 1:11:30 PM
friendinmoney$35.00$35.0011/26/2010 2:22:35 PM
convergentthinker$25.00$25.0011/26/2010 2:28:21 PM
cashhelp$40.00$40.0011/26/2010 3:02:43 PM
squarebob$25.00$25.0011/26/2010 10:00:06 PM
850$50.00$50.0011/26/2010 9:09:26 PM
EastBayCapital$25.00$25.0011/27/2010 12:28:51 AM
PAULBOT$300.00$300.0011/27/2010 7:52:10 AM
ezraacook$45.00$45.0011/27/2010 11:40:05 PM
mrreynol$25.00$25.0011/28/2010 7:04:14 PM
honey-money$25.00$25.0011/28/2010 7:44:16 PM
outofoffice$75.00$75.0011/29/2010 9:06:00 AM
Barrayaran$25.00$25.0011/29/2010 1:32:51 PM
LKCGICG$45.27$45.2711/29/2010 2:42:40 PM
Schlawinzer$25.00$25.0011/29/2010 3:11:00 PM
thankful-nickel2$25.00$25.0011/29/2010 4:07:49 PM
Snoopylover$25.00$25.0011/30/2010 1:16:09 AM
thisbucksforu$40.00$40.0011/30/2010 3:12:50 AM
jhouman$25.00$25.0011/30/2010 1:58:22 AM
attractive-rate$45.00$45.0011/30/2010 3:13:26 AM
economy-popcorn$25.00$25.0011/30/2010 5:59:26 AM
BlessedEveryDay$30.00$30.0011/30/2010 6:35:06 AM
Leshan$100.00$100.0011/30/2010 8:06:58 AM
independent-transaction$100.00$100.0011/30/2010 8:51:51 AM
spike22$25.46$25.4611/30/2010 9:00:58 AM
friendinmoney$25.00$25.0011/30/2010 7:56:39 AM
duty-monger$50.00$50.0011/30/2010 4:26:59 AM
jhernand17$25.00$25.0011/30/2010 9:07:22 AM
Bcs-cnc$50.00$50.0011/30/2010 9:47:18 AM
niq4soccer$25.00$25.0011/30/2010 6:17:33 AM
LittleMingo$25.00$25.0011/30/2010 9:56:28 AM
payout-reaction740$25.00$25.0011/30/2010 10:37:46 AM
credit-missile$25.00$25.0011/30/2010 8:00:44 AM
Socorro_Capital_Partners$25.00$25.0011/30/2010 8:45:34 AM
skaught$25.00$25.0011/30/2010 8:45:58 AM
Jumping_Jedi$25.00$25.0011/30/2010 11:09:11 AM
CSAworker$25.00$25.0011/30/2010 11:59:36 AM
DonTraveler99$25.00$25.0011/30/2010 12:24:40 PM
principal-star$25.00$25.0011/30/2010 9:50:07 AM
BlueProteus$35.00$35.0011/30/2010 12:29:33 PM
SomebodysMom$50.00$50.0011/30/2010 1:48:14 PM
melodious-openness$206.27$206.2711/30/2010 2:04:07 PM
djmjkelso$25.00$25.0011/30/2010 11:21:13 AM
durable-investment8$34.89$34.8911/30/2010 2:16:46 PM
payout-bridge$50.00$50.0011/30/2010 2:25:06 PM
balance-force$32.00$32.0011/30/2010 2:11:32 PM
p2ploan-sensation211$50.00$50.0011/30/2010 2:16:40 PM
107 bids
 
Borrower Payment Dependent Notes Series 447060
This series of Notes was issued and sold upon the funding of the borrower loan #45823, 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-18-2010 
  Auction end date:  Nov-25-2010 
 
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): 5 First credit line: May-1995 Debt/Income ratio: 25%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wealth-cougar Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Just a little help
Purpose of loan:
monthly net income: $ my income 4500.00 wifes 2000.00

I am not sure were the delinquent is comming from as you can see it is zero dollars.? I would be using this loan to help consolitdate?the balance of my car payment one personal loan and some medical bills that my wife accured this year from 3 surgerys.



Monthly expenses: $ 4800.00 per month plus my wifes 1800.00
??Housing: $ 1968.00
??Insurance: $ 200.00
??Car expenses: $ 360.00
??Utilities: $?275.00
??Phone, cable, internet: $ 45.00 (wife works for company)
??Food, entertainment:?$800.00
??Clothing, household expenses $?200.00
??Credit cards and other loans: $?600.00
??Other expenses: $ 400.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Do your present debts have interest rates that justify the 4.5% origination fee and the mid 20s interest you will pay here? - Pu239
A: No I was hoping that it would be bid down but doesn't look like it is going to happen, but by consolidating it is going to bring down our monthly dept by 500.00 per month. and pay off the rest of my wifes medical bills. My wife will be going in for more surgery at the biginning of the year which means her income will drop for a little bit so with the consolidation it will help put us ahead of the game. My car loan alone is 360 per month so just in that it will lower by 45 per month (Nov-25-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
GElender$50.00$50.0011/18/2010 2:23:21 PM
matt_2006$25.00$25.0011/18/2010 2:25:45 PM
kulender$100.00$100.0011/18/2010 2:35:28 PM
bid-czar8$100.00$100.0011/18/2010 2:22:31 PM
kc8fot$50.00$50.0011/18/2010 3:07:03 PM
ommcd$25.00$25.0011/18/2010 5:05:44 PM
graceful-investment$100.00$100.0011/18/2010 5:21:57 PM
musegaze$100.00$100.0011/18/2010 5:42:33 PM
radiant-loan5$43.98$43.9811/18/2010 7:33:06 PM
Goldfingers$25.00$25.0011/18/2010 10:39:48 PM
cash-spark3$25.00$25.0011/18/2010 11:53:47 PM
gallant-economy9$50.00$50.0011/19/2010 9:59:59 AM
hopeful-truth5$75.00$75.0011/19/2010 1:08:37 PM
371millwood$300.00$300.0011/19/2010 1:54:27 PM
brother_tam$50.00$50.0011/19/2010 2:59:40 PM
Kaj$25.00$25.0011/19/2010 3:34:05 PM
valiant-liberty4$25.00$25.0011/19/2010 3:36:24 PM
MrBailey$30.47$30.4711/19/2010 7:56:31 PM
mketelecom$25.00$25.0011/20/2010 5:28:08 AM
BradP$75.00$75.0011/20/2010 6:56:29 AM
DreDub$50.00$50.0011/20/2010 9:31:34 AM
ASR3$25.00$25.0011/20/2010 7:11:14 AM
gold-channel2$50.00$50.0011/20/2010 10:14:42 AM
investment-comet$25.00$25.0011/21/2010 10:29:24 AM
AlexTrep$25.00$25.0011/22/2010 5:20:35 PM
DrStaff$30.00$30.0011/22/2010 5:14:31 PM
Midwestvalues$100.00$100.0011/22/2010 5:20:37 PM
bountiful-durability$50.00$50.0011/22/2010 7:42:46 PM
profit-powerplant$25.00$25.0011/22/2010 8:53:17 PM
Elbanko$50.00$50.0011/23/2010 3:31:53 AM
Mariner3605$25.00$25.0011/23/2010 4:34:39 AM
Executive23$25.00$25.0011/22/2010 8:07:50 PM
kublai$100.00$100.0011/23/2010 8:09:21 AM
shrewd-peace7$32.57$32.5711/23/2010 3:17:59 AM
SolarMoonshine$25.00$25.0011/23/2010 4:26:26 AM
burrito6$25.00$25.0011/23/2010 7:23:00 AM
newest-inspiring-power$25.00$25.0011/23/2010 11:55:34 AM
radiant-fund$50.00$50.0011/23/2010 11:58:59 AM
independent-silver9$25.00$25.0011/23/2010 9:46:26 AM
loan_doctor$25.00$25.0011/23/2010 3:56:22 PM
rhin0cerx$50.00$50.0011/23/2010 4:27:47 PM
reflective-rupee$100.00$100.0011/23/2010 4:27:51 PM
towering-compassion$47.87$47.8711/23/2010 3:27:58 PM
personal-lender$25.00$25.0011/23/2010 4:35:48 PM
vigorous-velocity$100.00$48.4111/23/2010 4:01:00 PM
b-rent$25.00$25.0011/23/2010 4:36:48 PM
SweatyBalls$50.00$50.0011/23/2010 6:02:28 PM
reflective-rupee$300.00$300.0011/23/2010 4:27:37 PM
loyalist1$50.00$50.0011/23/2010 4:36:19 PM
ah-long$25.00$25.0011/23/2010 7:32:28 PM
jigsaw$50.00$50.0011/23/2010 4:35:59 PM
bryant05$75.00$75.0011/24/2010 11:32:40 AM
melodious-openness$400.00$400.0011/24/2010 11:50:18 AM
mla$25.00$25.0011/24/2010 12:06:53 PM
buffalobills$25.00$25.0011/24/2010 5:00:49 PM
credit-missile$25.00$25.0011/24/2010 5:07:02 PM
brightest-dignified-penny$25.00$25.0011/24/2010 3:50:15 PM
dparkhom$25.00$25.0011/24/2010 4:15:10 PM
one-midas$25.00$25.0011/24/2010 4:38:15 PM
credit-missile$25.00$25.0011/24/2010 5:06:42 PM
mvalley$27.30$27.3011/25/2010 12:55:39 AM
podosphero$25.00$25.0011/24/2010 6:53:45 PM
best-magical-dollar$27.44$27.4411/24/2010 7:11:23 PM
Sykes66$25.00$25.0011/24/2010 6:47:49 PM
thankful-nickel2$25.00$25.0011/24/2010 8:09:10 PM
radiant-loan5$156.02$156.0211/25/2010 6:01:47 AM
LoanerPrincipal$100.00$100.0011/25/2010 12:06:39 AM
loan-kung-fu$100.00$100.0011/25/2010 7:14:54 AM
RSV$27.82$27.8211/25/2010 1:00:17 AM
erowis$30.00$30.0011/25/2010 8:49:43 AM
damanq$25.30$25.3011/25/2010 1:11:03 AM
wojo$25.00$25.0011/25/2010 6:00:43 AM
fiserve4u$25.00$25.0011/25/2010 5:10:16 AM
newest-funds-powerplant$25.00$25.0011/25/2010 7:04:45 AM
trumpeter5$25.00$25.0011/25/2010 1:35:29 PM
DasMula$25.00$25.0011/25/2010 9:49:53 AM
CaliforniaSun$25.00$25.0011/25/2010 9:28:35 AM
captainzero$50.00$50.0011/25/2010 9:48:46 AM
investment-cluster$25.00$25.0011/25/2010 1:58:04 PM
credit-missile$25.00$25.0011/25/2010 2:16:04 PM
psa1995$25.00$25.0011/18/2010 2:25:18 PM
dedicated-transaction796$50.00$50.0011/18/2010 2:25:41 PM
raisingophelia$25.00$25.0011/18/2010 2:26:21 PM
courteous-kindness1$50.00$50.0011/18/2010 2:41:43 PM
miked8303$25.00$25.0011/18/2010 2:24:04 PM
simplelender80$200.00$200.0011/18/2010 2:44:57 PM
money-bauble$25.00$25.0011/18/2010 5:01:12 PM
velocity-solo$25.00$25.0011/19/2010 10:03:19 AM
finance-mushroom$100.00$100.0011/19/2010 12:49:08 PM
reflective-rupee$100.00$100.0011/19/2010 12:44:23 PM
point-kitten6$41.89$41.8911/19/2010 3:26:12 PM
Comoparklender$25.00$25.0011/19/2010 3:33:27 PM
retired272$25.00$25.0011/19/2010 5:07:44 PM
AF-Chief$25.00$25.0011/19/2010 4:54:22 PM
MikeyZ2008$100.00$100.0011/19/2010 5:28:06 PM
payment-gusto$25.00$25.0011/20/2010 5:55:09 AM
108lender$42.77$42.7711/20/2010 6:22:46 AM
FeedTheMachine$50.00$50.0011/20/2010 1:30:03 PM
6moonbeams$31.70$31.7011/20/2010 9:29:13 PM
MadHun$47.54$47.5411/21/2010 7:33:46 AM
inspiring-reward$50.00$50.0011/21/2010 5:45:16 PM
orderly-leverage$100.00$100.0011/22/2010 5:26:08 PM
asiaratt$50.00$50.0011/22/2010 5:36:00 PM
ingenious-deal6$25.00$25.0011/22/2010 5:25:06 PM
Inquisitor06$50.00$50.0011/22/2010 9:59:50 PM
circuitfive$25.00$25.0011/22/2010 5:46:59 PM
ingenious-truth0$50.00$50.0011/22/2010 8:17:16 PM
platinum-celebration4$25.00$25.0011/22/2010 6:13:19 PM
Wellman$50.00$50.0011/22/2010 6:14:54 PM
jlr613$42.99$42.9911/23/2010 5:13:06 AM
joyous-revenue4$27.92$27.9211/23/2010 3:59:24 AM
asset-trumpeter$50.00$50.0011/23/2010 6:38:55 AM
treasure-bliss$30.93$30.9311/23/2010 3:29:04 AM
bnlforever$25.00$25.0011/23/2010 3:29:35 AM
social-conductor4$25.00$25.0011/23/2010 6:40:20 AM
paradisenow$25.00$25.0011/23/2010 7:55:13 AM
ferocious-exchange3$50.00$50.0011/23/2010 9:59:09 AM
gain-processor$47.86$47.8611/23/2010 2:35:49 PM
golden-cat$25.00$25.0011/23/2010 3:32:52 PM
orange-preeminant-bill$50.00$50.0011/23/2010 3:15:04 PM
mike279766$25.00$25.0011/23/2010 4:35:42 PM
natural-greenback6$25.00$25.0011/23/2010 7:32:26 PM
finance-prescription$50.00$50.0011/23/2010 4:35:09 PM
hope-eagle6$25.00$25.0011/23/2010 7:31:39 PM
wwwUniversal$25.00$25.0011/24/2010 2:11:01 AM
E-B$50.00$50.0011/24/2010 4:28:16 AM
missing-link$56.96$56.9611/24/2010 1:27:34 AM
irrelevant$25.00$25.0011/24/2010 6:37:48 AM
scappellee$25.00$25.0011/24/2010 4:31:28 AM
a-finance-nirvana$25.00$25.0011/24/2010 7:43:57 AM
loss-of-control$25.00$25.0011/24/2010 9:32:39 AM
finance-prescription$100.00$100.0011/24/2010 8:00:21 AM
loss-of-control$50.00$50.0011/24/2010 9:32:14 AM
gentle-coin$25.00$25.0011/24/2010 12:55:14 PM
income-vault6$25.00$25.0011/24/2010 12:06:35 PM
Mighty_Hunter$25.00$25.0011/24/2010 2:31:21 PM
wise-friendly-dollar$26.00$26.0011/24/2010 4:02:36 PM
mpatrick$30.00$30.0011/24/2010 5:29:47 PM
jakdwak$25.00$25.0011/24/2010 4:10:04 PM
sjlnn$25.00$25.0011/24/2010 4:12:35 PM
KrisKringle$25.00$25.0011/24/2010 3:39:31 PM
credit-missile$25.00$25.0011/24/2010 5:06:22 PM
delivery$25.00$25.0011/25/2010 1:00:22 AM
draggon77$25.00$25.0011/25/2010 3:41:21 AM
zeelender$25.00$25.0011/24/2010 6:50:51 PM
gain-dolphin$25.00$25.0011/24/2010 10:44:39 PM
escharfer$25.00$25.0011/25/2010 12:42:22 AM
wise-silver-wonder$25.00$25.0011/25/2010 1:13:09 AM
WMY-Investor$100.00$100.0011/25/2010 8:54:06 AM
worthy-bid4$31.26$31.2611/25/2010 9:05:36 AM
delicious-cash$25.00$25.0011/25/2010 1:26:19 AM
kind-bill-supporter$25.00$25.0011/25/2010 1:31:45 AM
HammerSmith$25.00$25.0011/25/2010 11:52:31 AM
Pu239$60.00$60.0011/25/2010 8:00:26 AM
scappellee$25.00$25.0011/25/2010 8:00:43 AM
Bob450$30.00$30.0011/25/2010 8:52:13 AM
Whipster$25.00$25.0011/25/2010 11:47:33 AM
jybank$25.00$25.0011/25/2010 1:48:23 PM
credit-missile$25.00$25.0011/25/2010 2:06:54 PM
california5andime$25.00$25.0011/25/2010 1:55:27 PM
160 bids
 
Borrower Payment Dependent Notes Series 462410
This series of Notes was issued and sold upon the funding of the borrower loan #45758, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-02-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
Final lender yield: 30.75% Final borrower rate/APR: 31.75% / 35.82% Final monthly payment: $65.12
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.10%  
Lender servicing fee: 1.00% Estimated return: 10.65%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-2002 Debt/Income ratio: 22%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: goodhearted-bazaar Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Lowering my car loan APR
Purpose of loan:
This loan will be used to?? Getting my car payoff lowered so I can refinance it to a lower APR

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

Monthly net income: $ 5200 (includes my wife)

Monthly expenses: $
??Housing: $ 640
??Insurance: $ 290
??Car expenses: $ 598
??Utilities: $ 250
??Phone, cable, internet: $35
??Food, entertainment: $ 120
??Clothing, household expenses $ 1200
??Credit cards and other loans: $ 300
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MatticusCaesar$100.00$100.0011/29/2010 10:23:58 PM
loanman2007$75.00$75.0012/1/2010 6:17:07 AM
boo_hoo$50.00$50.0012/1/2010 4:40:18 PM
CashFlow13$1,000.00$800.0012/1/2010 5:59:30 PM
RyanM561$25.00$25.0012/1/2010 11:08:36 PM
alexgalt$25.00$25.0012/1/2010 10:15:10 PM
capital-kingdom$25.00$25.0012/2/2010 6:51:03 AM
alexgalt$100.00$100.0011/29/2010 3:28:44 PM
reflective-rupee$200.00$200.0011/30/2010 10:29:37 AM
SolarMoonshine$25.00$25.0011/30/2010 5:19:19 PM
attractive-point5$50.00$50.0012/2/2010 12:07:39 AM
twjh$25.00$25.0012/2/2010 2:16:27 AM
12 bids
 
Borrower Payment Dependent Notes Series 484670
This series of Notes was issued and sold upon the funding of the borrower loan #45825, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Nov-17-2010 
  Auction end date:  Nov-24-2010 
 
Starting lender yield: 22.75% Starting borrower rate/APR: 23.75% / 27.22% Starting monthly payment: $117.31
Final lender yield: 12.00% Final borrower rate/APR: 13.00% / 16.25% Final monthly payment: $101.08
 
Auction yield range: 10.57% - 22.75% Estimated loss impact: 10.06%  
Lender servicing fee: 1.00% Estimated return: 1.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1998 Debt/Income ratio: 34%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,063Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: love2laugh Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 61 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2008)
620-639 (Aug-2007)
 
Principal balance: $1,270.48 31+ days late: 0 ( 0% )
Total payments billed: 61  
Description
Struggling first year teacher
Purpose of loan:
I am a first year teacher. I teach 8th grade math, and I love it so far.?I need help catching up with my bills after an entire summer off. I just graduated with my masters and teaching credential last Saturday. I am working on an internship and am confident that I will be hired back next year.? My principal loves me, and I love the kids. The school year is going extremely well.

My financial situation:
I am a good candidate for this loan because I have already had a couple of Propser loans, and have paid on time for 61 months in a row. I know that I will be in a much better financial position now that I am a teacher, I just need a few extra dollars to help me catch up.

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 375
??Insurance: $ 150
??Car expenses: $ 375
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
hoffspot$45.00$45.0011/18/2010 9:24:33 AM
SquareBlocks$40.84$40.8411/19/2010 11:19:22 PM
SOP_Bank$25.00$25.0011/20/2010 10:00:16 AM
Liam227$85.12$85.1211/20/2010 10:32:43 AM
loanman2007$125.00$125.0011/20/2010 12:26:24 PM
DasMula$25.00$25.0011/20/2010 3:42:48 PM
Nopayibreakurlegs$31.46$31.4611/21/2010 9:53:45 PM
mauge35$25.00$25.0011/22/2010 8:03:40 AM
The-Lighthouse-Group$25.00$25.0011/22/2010 8:29:08 AM
WonByOne$25.00$25.0011/22/2010 3:21:26 AM
boo_hoo$50.00$50.0011/23/2010 5:21:05 AM
lendstats_com$200.00$200.0011/22/2010 9:17:36 PM
calimanusa$25.00$25.0011/23/2010 1:08:15 AM
investment-artist$50.00$50.0011/23/2010 8:32:06 AM
helynn$25.00$25.0011/23/2010 3:24:27 PM
Reliance_Banker$50.00$50.0011/23/2010 8:09:38 PM
favorite-commerce$25.00$25.0011/24/2010 6:55:21 AM
wild-orange$25.00$25.0011/24/2010 2:19:34 AM
marwadi-62$500.00$500.0011/24/2010 7:02:48 AM
doopers$25.00$25.0011/24/2010 5:30:16 AM
Astyanax$75.00$75.0011/24/2010 10:44:20 AM
Astyanax$25.00$25.0011/24/2010 10:45:34 AM
Scotcha$50.00$50.0011/24/2010 10:47:32 AM
melodious-openness$400.00$25.8511/24/2010 11:38:30 AM
interloode$150.00$150.0011/18/2010 4:37:40 PM
gelidfrank$25.00$25.0011/18/2010 10:05:55 PM
Chesterite$97.41$97.4111/19/2010 8:30:37 AM
gpuck$25.00$25.0011/19/2010 3:46:17 PM
DonTraveler99$25.00$25.0011/20/2010 6:11:11 PM
transaction-surge0$25.00$25.0011/22/2010 12:36:50 PM
payout-reaction740$25.00$25.0011/22/2010 12:12:55 PM
wlm3012$25.00$25.0011/23/2010 8:39:44 AM
investinFla$25.00$25.0011/23/2010 10:00:49 AM
Harpersferry$50.00$50.0011/23/2010 5:09:03 PM
payout-reaction740$25.00$25.0011/23/2010 7:43:50 PM
ChoiceInvestments$25.00$25.0011/24/2010 1:27:04 AM
FinanceEngine$30.00$30.0011/23/2010 7:16:35 PM
penny-plato$50.00$50.0011/24/2010 5:54:37 AM
jpblan11$25.00$25.0011/24/2010 7:32:09 AM
thankful-nickel2$25.00$25.0011/24/2010 5:46:47 AM
BrighterSuns$25.00$25.0011/24/2010 9:22:45 AM
kander80$25.00$25.0011/24/2010 9:22:06 AM
one-midas$100.00$100.0011/24/2010 9:31:30 AM
platinum-goat4$36.74$36.7411/24/2010 11:30:30 AM
theloanteacher$25.00$25.0011/24/2010 9:43:14 AM
Catz_aplenty$30.00$30.0011/24/2010 10:02:37 AM
Nazbuster$100.00$100.0011/24/2010 12:13:31 PM
num1irish$212.58$212.5811/24/2010 12:44:51 PM
NorthwestLoan1$40.00$40.0011/24/2010 10:56:21 AM
penny-plato$50.00$50.0011/24/2010 11:10:07 AM
p2ploan-sensation211$25.00$25.0011/24/2010 1:25:28 PM
vutah$25.00$25.0011/24/2010 2:07:13 PM
bicyclist2270$50.00$50.0011/24/2010 2:56:20 PM
53 bids
 
Borrower Payment Dependent Notes Series 484998
This series of Notes was issued and sold upon the funding of the borrower loan #45817, 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-23-2010 
  Auction end date:  Nov-30-2010 
 
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): 8 First credit line: Aug-1990 Debt/Income ratio: 14%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,275Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: dkgmommy Borrower's state: California Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 94% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 2 ( 6% )  
660-679 (Oct-2010)
640-659 (Mar-2007)
700-719 (Feb-2007)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Single Mom needs to consolidate!
Purpose of loan:
I have bills that need to be consolidated and paid off asap.? Hopefully before the holidays!? A loan from Prosper would help me to do that.? I also very much want to improve my credit score, get rid of my debt and be ready to buy a house in 2 or 3 years.? I appreciate your consideration to help me meet my goal!

They will be:??Dell - balance $3100
Amazon.com - balance $625
Target - balance $1000
Kohl's ?$450
Orthodontic balance for 12 year old son - $1200 (His Dad was supposed to be paying but has not, so now my son's treatment can not proceed until it is paid off.)
Apartment bill - $1400?(moved out a couple of months ago and had to replace the carpeting - darn cats!)

I now make $13k more than I did 3 years ago when I took out a $5k Prosper loan and successfully paid it off this past May.? I assure you that it will be no problem for me to make the Prosper payments.

My financial situation:
I am a good candidate for this loan because I recently completed paying on a $5,000 Prosper loan in May 2010 and made good on my commitment.? I was only late on 2 payments and both of these occurences were due to switching bank accounts.? I have a steady job; I have worked for Lilliput Children's Services since July 2007.? I am the Community Relations Coordinator and handle all aspects of marketing, public relations and fundraising.? My position is very secure and I just received my 5th raise since being there.? I absolutely love my job - we find adoptive homes for foster children.? Seriously, what could be more rewarding?? Lilliput actually completes the most foster adoptions of any private agency in the state of California.?

As a single mom living in an expensive area, I just need a little help every now and then.? Your help would be greatly appreciated.

Monthly net income: $3,000 (Lilliput) + $1,679 (child support) + $200 (child support) = $4,879

Monthly expenses: $
??Housing: $ 1,700
??Insurance/Medical expenses: $?150
??Car expenses: $?400
??Utilities: $?400
??Phone, cable, internet: $?200
??Food, entertainment: $?1,000
??Clothing, household expenses $ 200
??Credit cards and other loans: $?300
??Other expenses: $ 250 (school, activity, etc.)
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 two recent inquiries? Have you taken out another loan? Thanks. - squarebob
A: Honestly, I'm not 100% sure. No, I do not have a new loan out. I did move on October 1st, though, so it might have been the couple of rental properties I was looking at. I have not opened any new loans/credit cards since last December. OH, no, I did sign up for this thing, not sure what to call it, through a timeshare in Lake Tahoe. I didn't purchase a new timeshare, but I did purchase some points and that was a payment plan. That will be paid off in 2 months. Thanks for asking! (Nov-29-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
simplelender80$200.00$200.0011/23/2010 2:59:19 PM
ASR3$25.00$25.0011/23/2010 3:09:56 PM
investment-comet$25.00$25.0011/23/2010 3:13:58 PM
kulender$50.00$50.0011/23/2010 3:04:00 PM
bid-czar8$100.00$100.0011/23/2010 4:34:08 PM
Skeptical-one$31.00$31.0011/23/2010 3:10:46 PM
reflective-rupee$50.00$50.0011/23/2010 3:30:44 PM
Kaj$25.00$25.0011/23/2010 4:37:38 PM
greencat$50.00$50.0011/24/2010 8:23:00 AM
dollardave$50.00$50.0011/24/2010 10:35:35 AM
hopeful-truth5$300.00$300.0011/24/2010 10:41:04 AM
danthemon35$25.00$25.0011/24/2010 12:07:10 PM
bazaar-festivity$25.00$25.0011/24/2010 11:17:49 AM
loyalist1$50.00$50.0011/25/2010 8:48:07 AM
brother_tam$50.00$50.0011/25/2010 2:28:38 PM
NekHoldings$25.00$25.0011/26/2010 6:39:05 AM
AlexTrep$25.00$25.0011/26/2010 7:14:19 AM
MedLend$50.00$50.0011/26/2010 8:48:26 AM
jazzlender$25.00$25.0011/26/2010 8:48:56 AM
zebra806$100.00$100.0011/26/2010 8:31:23 AM
nybanker85$30.00$30.0011/26/2010 9:01:10 AM
cablenews$50.00$50.0011/26/2010 9:02:22 AM
DonaldColorado$50.00$50.0011/26/2010 10:19:15 AM
paytonbrigadier$200.00$200.0011/26/2010 12:15:15 PM
shur$25.00$25.0011/26/2010 1:18:59 PM
dedicated-transaction796$50.00$50.0011/26/2010 1:34:25 PM
ivadood$50.00$50.0011/26/2010 1:50:24 PM
Comoparklender$50.00$50.0011/26/2010 4:07:50 PM
tomaswk$100.00$100.0011/26/2010 5:31:58 PM
zadok$50.00$50.0011/26/2010 6:12:59 PM
economy-synapse$25.00$25.0011/26/2010 8:14:26 PM
cash-spark3$25.00$25.0011/26/2010 8:48:10 PM
squarebob$25.00$25.0011/26/2010 10:07:58 PM
red-favorable-basis$25.00$25.0011/27/2010 3:23:33 AM
diplomatic-wealth7$25.00$25.0011/27/2010 12:14:31 PM
well-mannered-income3$25.00$25.0011/27/2010 3:12:52 PM
foldingbenny2$75.00$75.0011/27/2010 12:26:30 PM
friendly-money$25.00$25.0011/27/2010 9:49:21 AM
pfenness$25.00$25.0011/27/2010 5:48:03 PM
asiaratt$46.54$46.5411/27/2010 5:32:59 PM
soulful-truth$25.00$25.0011/28/2010 6:35:59 AM
Headhunter14$50.00$50.0011/28/2010 11:16:03 AM
order-elevator7$25.00$25.0011/28/2010 10:49:25 AM
commerce-yeller$25.00$25.0011/28/2010 11:33:18 AM
Wellman$40.14$40.1411/28/2010 10:07:07 AM
gain-gourd$100.00$100.0011/28/2010 8:34:54 PM
tstaub1234$25.00$25.0011/29/2010 2:43:04 PM
greenback-bull6$50.00$50.0011/29/2010 2:43:19 PM
treasure-bliss$50.00$50.0011/29/2010 2:43:32 PM
penny-plato$25.00$25.0011/29/2010 2:51:32 PM
BCD$25.00$25.0011/29/2010 2:27:50 PM
treasure-generator$25.00$25.0011/29/2010 2:43:00 PM
WBB21$43.17$43.1711/29/2010 2:43:13 PM
orderly-leverage$63.36$63.3611/29/2010 12:38:32 PM
hope-eagle6$25.00$25.0011/29/2010 2:27:54 PM
jigsaw$50.00$50.0011/29/2010 2:28:05 PM
IIP77$25.00$25.0011/29/2010 2:42:59 PM
flwah$25.00$25.0011/29/2010 2:43:16 PM
natural-greenback6$25.00$25.0011/29/2010 2:43:20 PM
MaxGates$25.00$25.0011/29/2010 7:28:22 PM
ChrisKwan$25.00$25.0011/30/2010 12:58:13 AM
ayerobbie$25.98$25.9811/30/2010 12:58:47 AM
Falling$25.00$25.0011/30/2010 2:12:53 AM
b-rent$25.00$25.0011/30/2010 2:42:39 AM
benjo$32.75$32.7511/30/2010 2:12:15 AM
lucrative-loan$30.42$30.4211/30/2010 3:21:19 AM
dynamic-platinum$25.00$25.0011/29/2010 7:30:55 PM
logical-loyalty0$25.00$25.0011/30/2010 3:36:21 AM
squarebob$25.00$25.0011/30/2010 6:28:10 AM
kain11286$30.28$30.2811/30/2010 2:43:59 AM
credit-missile$25.00$25.0011/30/2010 8:10:09 AM
Pu239$40.94$40.9411/30/2010 3:02:33 AM
JiggaJoeyS$39.00$39.0011/30/2010 7:41:23 AM
Leshan$100.00$100.0011/30/2010 8:08:11 AM
credit-missile$25.00$25.0011/30/2010 8:10:42 AM
credit-missile$25.00$25.0011/30/2010 8:11:42 AM
trumpeter5$35.00$35.0011/30/2010 9:04:45 AM
erowis$30.00$30.0011/30/2010 8:07:52 AM
simeonthewhale$48.98$48.9811/30/2010 12:16:50 PM
Sonihal$96.49$96.4911/30/2010 9:49:41 AM
vmh20035$40.00$40.0011/30/2010 9:50:13 AM
2grindstones$25.00$25.0011/30/2010 10:22:50 AM
moola-monger9$50.00$50.0011/30/2010 11:08:57 AM
BrighterSuns$25.00$25.0011/30/2010 11:58:00 AM
jybank$25.00$25.0011/30/2010 2:21:57 PM
hopeful-truth5$100.00$100.0011/23/2010 3:04:06 PM
raisingophelia$25.00$25.0011/23/2010 3:10:37 PM
graceful-investment$100.00$100.0011/23/2010 2:44:39 PM
musegaze$100.00$100.0011/23/2010 3:15:06 PM
velocity-solo$25.00$25.0011/23/2010 3:13:26 PM
money-bauble$25.00$25.0011/23/2010 4:01:54 PM
finance-prescription$100.00$100.0011/24/2010 7:59:37 AM
finance-prescription$50.00$50.0011/24/2010 7:46:12 AM
valiant-liberty4$25.00$25.0011/24/2010 3:28:38 PM
108lender$43.79$43.7911/24/2010 7:53:07 PM
MikeyZ2008$100.00$100.0011/25/2010 3:02:46 PM
Mariner3605$50.00$50.0011/26/2010 1:53:02 AM
Artist_Blue$25.00$25.0011/26/2010 7:44:35 AM
AF-Chief$50.00$50.0011/26/2010 7:53:11 AM
gallant-economy9$75.00$75.0011/26/2010 8:45:37 AM
income-vault6$25.00$25.0011/26/2010 9:36:57 AM
selector568$150.00$150.0011/26/2010 9:02:48 AM
greenback-guard$25.00$25.0011/26/2010 9:09:17 AM
bazaar-secret-agent6$50.00$50.0011/26/2010 12:18:00 PM
LiveNow$25.00$25.0011/26/2010 12:41:52 PM
SolarMoonshine$25.00$25.0011/26/2010 1:05:52 PM
finance-mushroom$100.00$100.0011/26/2010 3:50:43 PM
trade-boots1$100.00$100.0011/26/2010 5:28:41 PM
bulsa$100.00$100.0011/26/2010 8:45:09 PM
850$50.00$50.0011/26/2010 9:18:03 PM
6moonbeams$50.00$50.0011/27/2010 1:56:28 AM
tech310$50.00$50.0011/27/2010 2:33:13 PM
navstox$25.00$25.0011/27/2010 2:39:23 PM
reward-motion$25.00$25.0011/27/2010 10:10:11 PM
Rick21$25.00$25.0011/28/2010 9:32:28 AM
life-is-great$30.00$30.0011/28/2010 6:23:08 PM
suges$25.00$25.0011/28/2010 8:09:49 PM
jwm$25.00$25.0011/28/2010 10:03:37 PM
the-silver-blaster$50.00$50.0011/28/2010 3:26:31 PM
apostle901$27.15$27.1511/28/2010 5:27:52 PM
MadHun$33.54$33.5411/29/2010 8:01:21 AM
dinero-jedi$50.00$50.0011/29/2010 4:02:47 AM
ferocious-exchange3$36.83$36.8311/29/2010 8:27:41 AM
inspiring-reward$150.00$13.1111/29/2010 11:15:23 AM
kc8fot$50.00$50.0011/29/2010 10:55:01 AM
flexible-money1$50.00$50.0011/29/2010 9:39:19 AM
lcole32$25.00$25.0011/29/2010 11:12:56 AM
a-finance-nirvana$25.00$25.0011/29/2010 11:14:56 AM
StreetJustice$33.28$33.2811/29/2010 2:27:51 PM
Investoman$25.00$25.0011/29/2010 2:27:56 PM
personal-lender$25.00$25.0011/29/2010 2:28:03 PM
rhin0cerx$50.00$50.0011/29/2010 2:28:20 PM
economy-producer$25.00$25.0011/29/2010 2:43:15 PM
ah-long$25.00$25.0011/29/2010 2:43:21 PM
whatknows$25.00$25.0011/29/2010 2:44:20 PM
leverage-monger$25.00$25.0011/29/2010 2:49:55 PM
delivery$25.00$25.0011/29/2010 2:43:33 PM
wwwUniversal$25.00$25.0011/29/2010 2:44:25 PM
EngineersAlliance$25.00$25.0011/29/2010 2:45:11 PM
dinero-mason$47.59$47.5911/29/2010 2:27:57 PM
missing-link$84.17$84.1711/29/2010 2:28:18 PM
DaddyBill$25.00$25.0011/29/2010 3:13:53 PM
melodious-openness$112.59$112.5911/29/2010 4:32:47 PM
nickel-position$25.00$25.0011/29/2010 5:01:25 PM
grnii78$161.70$161.7011/29/2010 7:11:05 PM
HammerSmith$25.00$25.0011/29/2010 4:38:56 PM
Cre8iveCash$25.00$25.0011/30/2010 2:12:09 AM
papaman$25.00$25.0011/30/2010 1:30:54 AM
lender12345$25.00$25.0011/29/2010 8:50:13 PM
yield-lion2$25.00$25.0011/30/2010 3:34:50 AM
Zingaro$25.00$25.0011/29/2010 11:59:03 PM
czazall$25.00$25.0011/30/2010 12:58:02 AM
compsciman$27.20$27.2011/30/2010 12:58:38 AM
thankful-nickel2$25.00$25.0011/30/2010 5:34:46 AM
_SCI_$25.00$25.0011/30/2010 1:12:21 AM
Easystreet$25.00$25.0011/30/2010 1:36:32 AM
Bob450$25.00$25.0011/30/2010 7:35:30 AM
Ven58$25.00$25.0011/30/2010 7:08:01 AM
irrelevant$25.00$25.0011/30/2010 2:44:03 AM
jo2y$25.00$25.0011/30/2010 2:58:14 AM
credit-missile$25.00$25.0011/30/2010 8:11:13 AM
llequire1$50.00$50.0011/30/2010 7:14:32 AM
openness-prospector$25.00$25.0011/30/2010 3:18:33 AM
CC911$25.00$25.0011/30/2010 9:52:39 AM
grampy48$45.00$45.0011/30/2010 11:47:20 AM
farchoir$25.00$25.0011/30/2010 12:05:27 PM
good4loan$25.00$25.0011/30/2010 12:47:21 PM
zotzot$25.00$25.0011/30/2010 11:18:27 AM
minnesotafinancial$25.00$25.0011/30/2010 11:32:04 AM
power-secret-agent$25.00$25.0011/30/2010 1:03:16 PM
170 bids
 
Borrower Payment Dependent Notes Series 485306
This series of Notes was issued and sold upon the funding of the borrower loan #45728, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-22-2010 
  Auction end date:  Nov-27-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 39.75% Starting monthly payment: $123.67
Final lender yield: 34.00% Final borrower rate/APR: 36.00% / 39.75% Final monthly payment: $123.67
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1994 Debt/Income ratio: 19%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,294Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: russmoney Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2010)
 
Principal balance: $2,437.62 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Computer Repair Business Phase 2
Purpose of loan:
This loan will be used to continue the expansion of my small computer repair business. The last expansion went so well, I have so many ideas that will further the growth of my business.?

My financial situation:
I am a good candidate for this loan because I not only make my payments on time; I make them early. In my first prosper loan I have made every payment on time/early and never missed a payment. The continual growth and betterment of my personal credit is important to me, so you can be assured every payment will be made on time.

Monthly net income: $ 2400 (From employment only)

Monthly expenses: $
??Housing: $?450
??Insurance: $ 36
??Car expenses: $ 223
???Other expenses: $ 700
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$50.00$50.0011/22/2010 11:33:59 AM
ingenious-truth0$25.00$25.0011/22/2010 8:08:05 PM
BankofBen$25.00$25.0011/23/2010 9:10:49 AM
finance-prescription$50.00$50.0011/24/2010 3:38:38 PM
Comoparklender$25.00$25.0011/25/2010 2:43:36 PM
blitzen40$25.00$25.0011/26/2010 6:50:48 AM
Artist_Blue$25.00$25.0011/26/2010 7:45:22 AM
lcole32$25.00$25.0011/26/2010 11:03:40 AM
alexgalt$50.00$50.0011/26/2010 11:17:33 AM
well-mannered-income3$25.00$25.0011/26/2010 3:08:28 PM
reward-adventure$50.00$50.0011/26/2010 3:38:55 PM
AF-Chief$35.00$35.0011/26/2010 3:52:50 PM
economy-synapse$50.00$50.0011/26/2010 8:52:42 PM
zone6$100.00$100.0011/27/2010 6:26:41 AM
tech310$25.00$25.0011/22/2010 11:31:03 AM
forthright-dedication$25.00$25.0011/22/2010 5:47:07 PM
CommunityArts_Non-profit$50.00$50.0011/23/2010 8:38:41 AM
FinDoc$30.00$30.0011/23/2010 11:22:00 AM
reflective-rupee$50.00$50.0011/23/2010 11:30:08 AM
kt103099$25.00$25.0011/23/2010 11:55:54 AM
glroark$50.00$50.0011/23/2010 4:25:44 PM
Kash2010lu$35.00$35.0011/23/2010 6:09:28 PM
brother_tam$50.00$50.0011/23/2010 4:29:08 PM
money-bauble$25.00$25.0011/24/2010 2:12:26 AM
ASR3$25.00$25.0011/24/2010 3:39:17 PM
agiovasil$25.00$25.0011/24/2010 3:35:42 PM
blitzen40$25.00$25.0011/26/2010 6:50:30 AM
AlexTrep$25.00$25.0011/26/2010 7:13:34 AM
nybanker85$25.00$25.0011/26/2010 9:01:56 AM
red-favorable-basis$25.00$25.0011/26/2010 7:35:44 PM
lend4life13$1,545.55$1,300.0011/26/2010 7:24:39 PM
MWMoney$50.00$50.0011/27/2010 6:54:48 AM
marinbb$25.00$25.0011/27/2010 8:30:40 AM
marinbb$25.00$25.0011/27/2010 8:30:27 AM
green-friendly-bill$100.00$100.0011/27/2010 8:57:45 AM
loanman2007$100.00$100.0011/27/2010 6:53:09 AM
thankful-nickel2$25.00$25.0011/27/2010 7:29:52 AM
37 bids
 
Borrower Payment Dependent Notes Series 485600
This series of Notes was issued and sold upon the funding of the borrower loan #45819, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-26-2010 
  Auction end date:  Dec-03-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 39.75% Starting monthly payment: $114.51
Final lender yield: 34.00% Final borrower rate/APR: 36.00% / 39.75% Final monthly payment: $114.51
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1987 Debt/Income ratio: 15%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:30y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,189Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: blissful-liberty5 Borrower's state: RhodeIsland 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:
To pay off 2 small credit cards and a small installment loan that I have
My financial situation:
I'm in good place financially with me and my wife making over 100,000 dollors annually and just want to clear out a few financial obligations to clear up some more cash flow. I feel very confident I can pay this loan off much sooner then the 3 year period granted

Monthly net income: $ 4814.00

Monthly expenses: $
??Housing: $?900.00??Insurance: $ 77.00
??Car expenses: $?160
??Utilities: $ 130.00
??Phone, cable, internet: $?35.00??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 950
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$25.00$25.0011/26/2010 12:52:41 PM
graceful-investment$74.52$74.5211/26/2010 12:54:41 PM
money-bauble$25.00$25.0011/26/2010 12:53:50 PM
agiovasil$25.00$25.0011/26/2010 3:12:49 PM
ASR3$25.00$25.0011/28/2010 5:38:14 AM
forthright-dedication$25.00$25.0011/29/2010 11:25:34 AM
finance-prescription$50.00$50.0011/30/2010 3:01:25 PM
reward-adventure$50.00$50.0012/1/2010 4:13:20 AM
Artist_Blue$25.00$25.0012/1/2010 5:33:47 AM
Redmond$25.00$25.0012/1/2010 2:02:01 PM
dedicated-transaction796$50.00$50.0012/1/2010 2:02:59 PM
DeltaComputerGuy$25.00$25.0012/1/2010 2:49:18 PM
dedication-merman$50.00$27.3412/1/2010 2:55:10 PM
barefootpaul$25.00$25.0012/1/2010 2:49:19 PM
bluehen00$55.00$55.0012/1/2010 6:01:55 PM
Free-the-usa-1776$25.00$25.0012/1/2010 8:47:16 PM
buffalobills$25.00$25.0012/2/2010 7:17:52 AM
fuzed$45.00$45.0012/2/2010 9:51:52 AM
grampy48$25.00$25.0012/2/2010 1:01:05 PM
leverage-monger$25.00$25.0012/2/2010 9:26:59 AM
MilitaryLending$25.00$25.0012/2/2010 9:51:28 AM
sgt-schultz$25.00$25.0012/2/2010 10:14:14 AM
wise-friendly-dollar$25.00$25.0012/2/2010 5:01:00 PM
FASTIZIO_P$25.00$25.0012/3/2010 2:11:46 AM
glenium$25.00$25.0012/3/2010 3:18:38 AM
capital-kingdom$25.00$25.0012/3/2010 5:30:58 AM
asset-mammal$40.13$40.1312/3/2010 3:15:19 AM
vine99$40.00$40.0012/2/2010 6:09:53 PM
social-zebra$32.13$32.1312/3/2010 7:33:09 AM
fcb202$41.10$41.1012/3/2010 1:17:20 AM
wild-orange$25.00$25.0012/3/2010 10:12:24 AM
daekpon$25.00$25.0012/3/2010 10:30:11 AM
ultimate-peace$300.00$300.0012/3/2010 10:36:05 AM
AlexTrep$25.00$25.0011/26/2010 1:03:19 PM
alexgalt$50.00$50.0011/26/2010 6:38:24 PM
nybanker85$25.00$25.0011/29/2010 10:54:28 AM
Bookophile$50.00$50.0011/29/2010 2:45:09 PM
Comoparklender$25.00$25.0011/30/2010 3:01:11 PM
kulender$50.00$50.0012/1/2010 5:44:33 AM
dcap3$25.00$25.0012/1/2010 5:44:22 AM
AF-Chief$35.00$35.0012/1/2010 2:03:55 PM
PatRichi$25.00$25.0012/1/2010 2:48:30 PM
euro-banker$25.00$25.0012/1/2010 2:49:21 PM
note-mad-scientist$55.60$55.6012/1/2010 2:55:02 PM
SolarMoonshine$25.00$25.0012/1/2010 5:38:16 PM
RyanM561$25.00$25.0012/1/2010 11:03:17 PM
sharp-return7$25.00$25.0012/1/2010 7:57:17 PM
CommunityArts_Non-profit$30.00$30.0012/2/2010 9:28:12 AM
jhernand17$25.00$25.0012/2/2010 9:59:17 AM
EretzCapital$42.47$42.4712/2/2010 9:45:51 AM
astro128$33.22$33.2212/2/2010 1:50:21 PM
melodious-openness$200.00$200.0012/2/2010 2:36:46 PM
fund-javelin1$25.00$25.0012/2/2010 5:08:15 PM
respectful-credit3$34.04$34.0412/2/2010 8:07:22 PM
starry2001$25.00$25.0012/3/2010 4:12:06 AM
sturdy-peace9$50.00$50.0012/3/2010 2:33:55 AM
icon7$25.00$25.0012/3/2010 11:38:23 AM
leverage-monger$25.00$25.0012/3/2010 11:12:00 AM
RSRAssociates$25.00$25.0012/3/2010 11:25:34 AM
DasMula$25.00$25.0012/3/2010 11:33:39 AM
ddoneday$25.00$25.0012/3/2010 12:38:34 PM
EretzCapital$37.51$37.5112/3/2010 9:00:48 AM
worthy-bid4$25.00$25.0012/3/2010 12:21:08 PM
yons88$26.94$26.9412/3/2010 12:38:06 PM
equitable-p2ploan8$25.00$25.0012/3/2010 12:30:39 PM
65 bids
 
Borrower Payment Dependent Notes Series 485634
This series of Notes was issued and sold upon the funding of the borrower loan #45734, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-24-2010 
  Auction end date:  Dec-01-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $67.85
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1986 Debt/Income ratio: 15%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 8 / 3Length of status:4y 8m
Amount delinquent: $109 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,401Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: brightest-peso-telescope Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Payday loan
Purpose of loan:
This loan will be used to?Pay off one of three Payday Loans. I am desperately trying?to payoff the Payday Loans that I have outstanding due to the outrageous and ridiculous interest rates that I am being charged. Rate on these Payday Loans is?as high as 625% APR.

My financial situation:
I am a good candidate for this loan because?Overall, I am a very responsible person who?prior to incurring?financial difficulties?which began?in 2009 paid all creditors on time. (Please review my?overall credit history prior to 2009, not just my present history)

Monthly net income: $ 4520

Monthly expenses:
??Housing: $1422
??Insurance: $ 202
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 250
??Credit cards and other loans: $?900
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$50.00$50.0011/24/2010 2:21:42 PM
tech310$25.00$25.0011/24/2010 2:28:46 PM
forthright-dedication$25.00$25.0011/24/2010 3:39:42 PM
AlexTrep$25.00$25.0011/26/2010 7:14:10 AM
alexgalt$50.00$50.0011/26/2010 6:06:42 PM
nybanker85$25.00$25.0011/27/2010 5:15:33 PM
jwsun90$100.00$100.0011/28/2010 10:42:49 PM
scappellee$25.00$25.0011/30/2010 5:59:31 PM
loss-of-control$50.00$50.0011/30/2010 6:52:40 PM
fund-javelin1$25.00$25.0012/1/2010 10:11:11 AM
Rogelio48$25.00$25.0012/1/2010 7:49:38 AM
bullwink27$25.00$25.0012/1/2010 12:26:22 PM
money-bauble$100.00$100.0011/24/2010 2:29:54 PM
penny-plato$25.00$25.0011/24/2010 4:03:10 PM
hopeful-truth5$100.00$100.0011/25/2010 7:53:53 AM
CommunityArts_Non-profit$25.00$25.0011/26/2010 3:47:27 AM
Artist_Blue$25.00$25.0011/26/2010 7:45:08 AM
ASR3$25.00$25.0011/26/2010 6:44:22 PM
SolarMoonshine$25.00$25.0011/26/2010 6:23:32 PM
best-deal-escalator$25.00$25.0011/27/2010 9:37:59 AM
brother_tam$39.33$39.3311/27/2010 11:09:19 AM
Bookophile$50.00$50.0011/29/2010 9:08:30 AM
Comoparklender$25.00$25.0011/29/2010 11:25:26 AM
finance-prescription$50.00$50.0011/29/2010 11:25:54 AM
reward-adventure$50.00$41.0411/30/2010 9:35:27 AM
britches613$44.63$44.6311/30/2010 11:08:48 PM
Leshan$25.00$25.0012/1/2010 7:41:51 AM
VikingLender$25.00$25.0012/1/2010 1:55:39 PM
gold-cluster$100.00$100.0012/1/2010 10:29:58 AM
ultimate-peace$300.00$300.0012/1/2010 1:56:27 PM
30 bids
 
Borrower Payment Dependent Notes Series 485644
This series of Notes was issued and sold upon the funding of the borrower loan #45737, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Nov-24-2010 
  Auction end date:  Dec-01-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $164.91
Final lender yield: 26.75% Final borrower rate/APR: 27.75% / 31.31% Final monthly payment: $164.91
 
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): 8 First credit line: Apr-1992 Debt/Income ratio: 20%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:1y 10m
Amount delinquent: $4,706 Total credit lines: 38 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,337Stated income:$75,000-$99,999
Delinquencies in last 7y: 35 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: bullcowspider Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 96% ) 680-699 (Latest)
Principal borrowed: $20,000.00< 31 days late: 1 ( 4% )  
680-699 (Jul-2008)
 
Principal balance: $6,235.54 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
garage roof,paintin and outside
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain the large current delinquency shown on your Prosper credit profile. Thanks and best wishes. - reflective-rupee
A: There was some fradulent activities on my credit card and there was difficulty in resolving it. This problem lingered on for much longer than expected and i came out the loser. (Nov-28-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
hopeful-truth5$75.00$75.0011/24/2010 2:19:40 PM
kulender$100.00$100.0011/24/2010 2:27:47 PM
simplelender80$100.00$100.0011/24/2010 2:26:41 PM
finance-prescription$50.00$50.0011/24/2010 2:30:11 PM
reflective-rupee$100.00$100.0011/24/2010 2:35:44 PM
ASR3$25.00$25.0011/24/2010 2:26:24 PM
reward-motion$25.00$25.0011/25/2010 4:37:47 AM
desertoasis$25.00$25.0011/25/2010 10:02:47 PM
Mariner3605$50.00$50.0011/26/2010 1:53:35 AM
AlexTrep$25.00$25.0011/26/2010 7:14:34 AM
Artist_Blue$25.00$25.0011/26/2010 7:44:05 AM
greenback-guard$25.00$25.0011/26/2010 9:10:11 AM
kc8fot$49.55$49.5511/26/2010 8:37:51 AM
DonaldColorado$50.00$50.0011/26/2010 10:19:52 AM
paytonbrigadier$200.00$200.0011/26/2010 12:15:34 PM
asset-professor$50.00$50.0011/26/2010 12:07:52 PM
joee$25.00$25.0011/26/2010 12:23:24 PM
SolarMoonshine$25.00$25.0011/26/2010 12:57:44 PM
investment-comet$25.00$25.0011/26/2010 7:52:47 PM
Helenska11$25.00$25.0011/26/2010 8:23:03 PM
goal-benefit2$50.00$50.0011/26/2010 8:15:45 PM
cash-spark3$25.00$25.0011/26/2010 8:48:27 PM
red-favorable-basis$25.00$25.0011/27/2010 3:28:03 AM
Share_The_Wealth$50.00$50.0011/27/2010 11:49:34 AM
tech310$50.00$50.0011/27/2010 2:33:23 PM
commerce-yeller$25.00$25.0011/28/2010 11:33:27 AM
bountiful-durability$100.00$100.0011/29/2010 5:19:32 AM
building_community$50.00$50.0011/29/2010 10:20:20 AM
gain-gourd$25.00$25.0011/29/2010 9:43:38 AM
dedicated-transaction796$50.00$50.0011/29/2010 6:38:40 PM
astute-investment5$25.00$25.0011/30/2010 9:33:48 AM
vmh20035$50.00$50.0011/30/2010 10:28:56 AM
gallant-economy9$48.97$48.9711/30/2010 2:46:05 PM
economy-synapse$25.00$25.0011/30/2010 10:14:42 PM
vutah$25.00$25.0011/30/2010 5:51:13 PM
umfan123$25.00$25.0012/1/2010 6:06:29 AM
Leshan$100.00$100.0012/1/2010 7:37:51 AM
ultimate-peace$75.00$75.0012/1/2010 1:54:13 PM
bondhedger$25.00$25.0012/1/2010 11:19:53 AM
Kaj$25.00$25.0012/1/2010 11:22:56 AM
money-bauble$25.00$25.0011/24/2010 2:28:21 PM
finance-prescription$100.00$100.0011/24/2010 2:30:20 PM
graceful-investment$100.00$100.0011/24/2010 2:18:01 PM
loyalist1$50.00$50.0011/24/2010 2:19:08 PM
raisingophelia$25.00$25.0011/24/2010 2:28:36 PM
velocity-solo$25.00$25.0011/24/2010 2:28:57 PM
UCLA4life$25.00$25.0011/24/2010 2:29:38 PM
william8$25.00$25.0011/25/2010 1:22:23 PM
soulful-truth$25.00$25.0011/25/2010 10:02:46 AM
MikeyZ2008$100.00$100.0011/25/2010 3:02:45 PM
invivo2$25.00$25.0011/26/2010 6:47:58 AM
selector568$150.00$150.0011/26/2010 8:38:14 AM
jazzlender$25.00$25.0011/26/2010 8:49:22 AM
zebra806$50.00$50.0011/26/2010 8:18:05 AM
nybanker85$30.00$30.0011/26/2010 9:01:41 AM
dedicated-diversification5$57.01$57.0111/26/2010 9:45:16 AM
sunshinysmiles$25.00$25.0011/26/2010 10:27:55 AM
Vennela$25.00$25.0011/26/2010 12:07:57 PM
bid-czar8$100.00$100.0011/26/2010 2:52:56 PM
trade-boots1$100.00$100.0011/26/2010 5:29:06 PM
economy-synapse$25.00$25.0011/26/2010 8:14:49 PM
bulsa$100.00$100.0011/26/2010 8:45:30 PM
diplomatic-wealth7$25.00$25.0011/27/2010 12:14:56 PM
musegaze$49.17$49.1711/27/2010 9:48:06 PM
LiveNow$25.00$25.0011/29/2010 10:54:53 AM
brother_tam$38.59$38.5911/29/2010 11:22:47 AM
Comoparklender$49.93$49.9311/30/2010 8:19:06 AM
Bob450$25.00$25.0011/30/2010 7:36:13 AM
competent-p2p$35.00$35.0011/30/2010 11:14:18 AM
ivadood$50.00$50.0011/30/2010 10:59:55 AM
income-vault6$25.00$25.0011/30/2010 2:45:28 PM
loss-of-control$50.00$50.0011/30/2010 6:53:51 PM
the-silver-blaster$50.00$26.7811/30/2010 3:16:46 PM
thankful-nickel2$25.00$25.0012/1/2010 3:35:03 AM
wwwUniversal$25.00$25.0012/1/2010 7:39:44 AM
leverage-monger$25.00$25.0012/1/2010 7:40:43 AM
Astyanax$50.00$50.0012/1/2010 11:30:52 AM
grampy48$40.00$40.0012/1/2010 12:18:06 PM
marwadi-62$200.00$200.0012/1/2010 11:52:45 AM
jhouman$25.00$25.0012/1/2010 1:18:05 PM
YoungTaxMan$25.00$25.0012/1/2010 1:37:24 PM
realtormoises$25.00$25.0012/1/2010 10:57:06 AM
82 bids
 
Borrower Payment Dependent Notes Series 485698
This series of Notes was issued and sold upon the funding of the borrower loan #45822, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-26-2010 
  Auction end date:  Dec-01-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $226.18
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1999 Debt/Income ratio: 20%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 10 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,293Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: aitakumi Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $10,500.00< 31 days late: 0 ( 0% )  
620-639 (Oct-2009)
620-639 (Jan-2007)
 
Principal balance: $5,195.38 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Debt Consolidation
Hello,

???? I am in process of re-paying another loan that I took on from the Prosper community last year to consolidate debt.? It has been outstanding and I am on-time with all my payments.? I took the original loan to consolidate debt to attack the principle amount I owed by consolidating my payments into one and bypassing all the money I was losing to cards fees, membership fees, and spread out minimums.? This has worked wonders as I am currently more than $1,000 ahead in repayment, than I would have been if I was still paying all the cards seperately.? That being said, I have another 3 cards that I would like to consolidate in the same manner.? This plan still revolves around forcing the majority of my payment towards a principle balance instead of being spread out among several cards.

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
BidderAmount BidAmount WinningBid Date (PT)
money-bauble$25.00$25.0011/26/2010 12:53:54 PM
graceful-investment$100.00$100.0011/26/2010 12:54:45 PM
reflective-rupee$100.00$100.0011/26/2010 7:32:50 PM
reflective-rupee$100.00$100.0011/26/2010 7:33:41 PM
reflective-rupee$100.00$100.0011/26/2010 7:33:30 PM
head$25.00$25.0011/27/2010 3:08:46 AM
alexgalt$25.00$25.0011/27/2010 2:28:30 PM
alexgalt$25.00$25.0011/27/2010 2:29:46 PM
alexgalt$25.00$25.0011/27/2010 2:30:04 PM
lendstats_com$300.00$300.0011/27/2010 11:06:08 AM
alexgalt$25.00$25.0011/27/2010 2:28:21 PM
selector568$50.00$50.0011/27/2010 2:32:42 PM
big_balla_papi$25.00$25.0011/27/2010 8:50:19 PM
loanman2007$200.00$200.0011/28/2010 11:44:09 AM
Aberdeen$999.99$999.9911/28/2010 11:47:54 AM
heerzaquestion$25.00$25.0011/29/2010 5:39:46 AM
hopeful-truth5$300.00$300.0011/29/2010 11:55:04 AM
forthright-dedication$25.00$25.0011/29/2010 10:54:20 AM
WeshaTheLeopard$25.00$25.0011/29/2010 1:49:43 PM
best-deal-escalator$28.99$28.9911/29/2010 6:31:27 PM
twjh$25.00$25.0011/30/2010 2:44:17 AM
investment-artist$25.00$25.0011/30/2010 9:20:54 AM
progressive-treasure1$50.00$50.0011/30/2010 12:54:39 PM
113121$25.00$25.0011/30/2010 2:55:18 PM
Bookophile$50.00$50.0011/30/2010 3:02:15 PM
green-unrivaled-felicity$25.00$25.0011/30/2010 7:26:53 PM
marinbb$50.00$50.0011/30/2010 7:03:05 PM
entreprenooner$25.00$25.0012/1/2010 4:41:35 AM
missile5$50.00$50.0012/1/2010 9:18:27 AM
113121$200.00$14.0712/1/2010 9:19:51 AM
Barrayaran$25.00$25.0012/1/2010 4:23:05 AM
Artist_Blue$25.00$25.0012/1/2010 5:33:39 AM
fund-javelin1$25.00$25.0012/1/2010 9:59:36 AM
geophreigh$25.00$25.0012/1/2010 9:41:31 AM
Thylow$100.00$100.0011/26/2010 12:54:40 PM
AlexTrep$25.00$25.0011/26/2010 1:03:22 PM
tech310$25.00$25.0011/26/2010 1:01:03 PM
glroark$50.00$50.0011/26/2010 1:01:38 PM
reflective-rupee$100.00$100.0011/26/2010 7:33:04 PM
reflective-rupee$100.00$100.0011/26/2010 7:33:19 PM
reflective-rupee$100.00$100.0011/26/2010 7:33:52 PM
Kash2010lu$50.00$50.0011/26/2010 10:50:15 PM
squarebob$25.00$25.0011/26/2010 11:30:40 PM
Ubiquinone$35.00$35.0011/27/2010 9:54:04 AM
alexgalt$25.00$25.0011/27/2010 2:29:55 PM
alexgalt$25.00$25.0011/27/2010 2:27:34 PM
ASR3$25.00$25.0011/28/2010 5:38:18 AM
eboomer2611$25.00$25.0011/28/2010 10:24:12 AM
SolarMoonshine$25.00$25.0011/28/2010 2:35:02 PM
NekHoldings$25.00$25.0011/29/2010 5:25:25 AM
greencat$50.00$50.0011/29/2010 7:42:08 AM
genuine-integrity0$25.00$25.0011/29/2010 10:07:37 AM
nybanker85$25.00$25.0011/29/2010 11:25:45 AM
loan-kung-fu$250.00$250.0011/29/2010 2:24:50 PM
TeaHouseFinance$25.00$25.0011/29/2010 5:18:52 PM
zone6$100.00$100.0011/29/2010 8:34:10 PM
golffish2$100.00$100.0011/30/2010 4:04:39 AM
brother_tam$50.00$50.0011/30/2010 2:16:13 AM
mraleig$75.00$75.0011/30/2010 10:45:41 AM
good4loan$25.00$25.0011/30/2010 12:42:15 PM
gold-cluster$100.00$100.0011/30/2010 10:02:51 AM
oath163$25.00$25.0011/30/2010 3:10:52 PM
scappellee$25.00$25.0011/30/2010 5:56:02 PM
Jim33$25.00$25.0011/30/2010 8:59:28 PM
marinbb$25.00$25.0011/30/2010 7:03:18 PM
golffish2$100.00$100.0012/1/2010 4:08:12 AM
economy-synapse$25.00$25.0011/30/2010 10:32:37 PM
dcap3$25.00$25.0012/1/2010 5:33:02 AM
kulender$50.00$50.0012/1/2010 5:44:39 AM
green-rapid-openness$60.00$60.0012/1/2010 11:40:35 AM
green-rapid-openness$60.00$60.0012/1/2010 11:40:56 AM
american-investor$26.95$26.9512/1/2010 9:55:00 AM
72 bids
 
Borrower Payment Dependent Notes Series 485856
This series of Notes was issued and sold upon the funding of the borrower loan #45755, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Nov-29-2010 
  Auction end date:  Nov-30-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 35.64% Starting monthly payment: $42.18
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 35.64% Final monthly payment: $42.18
 
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: Mar-2001 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:0y 4m
Amount delinquent: $15 Total credit lines: 16 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,040Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: magical-kindness 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.
Description
payments
The purpose of this loan is to help me pay off my credit card debt which will be a big help for me to get rid of my debt and to do this in a succesful manner
My financial situation: is getter better and is improving every month because of my steady job.
I am a good candidate for this loan because I have got a steady job which I plan to work there on a long time basis. With this help on the loan, it will greatly help me advance on my ability to build up a savings.

Monthly net income: $ 1500

Monthly expenses: $ 600
??Housing: $200
??Insurance: $100
??Car expenses: $50
??Utilities: $50
??Phone, cable, internet: $50
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $600
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
hopeful-truth5$62.80$62.8011/29/2010 2:59:59 PM
reflective-rupee$100.00$100.0011/29/2010 3:14:27 PM
reflective-rupee$100.00$100.0011/29/2010 3:14:40 PM
jazzlender$25.00$25.0011/29/2010 3:19:03 PM
finance-prescription$100.00$100.0011/29/2010 3:16:33 PM
ASR3$25.00$25.0011/29/2010 3:12:36 PM
kulender$50.00$50.0011/29/2010 3:13:41 PM
DonaldColorado$50.00$50.0011/29/2010 3:20:03 PM
paytonbrigadier$200.00$25.2911/29/2010 3:21:09 PM
Brown98$36.91$36.9111/29/2010 3:30:02 PM
SolarMoonshine$25.00$25.0011/29/2010 5:45:14 PM
alexgalt$25.00$25.0011/29/2010 10:58:41 PM
IPG1$25.00$25.0011/29/2010 2:55:26 PM
graceful-investment$100.00$100.0011/29/2010 2:56:17 PM
simplelender80$100.00$100.0011/29/2010 3:12:53 PM
greenback-guard$25.00$25.0011/29/2010 3:23:22 PM
loanman2007$75.00$75.0011/30/2010 6:05:52 AM
loyalist1$50.00$50.0011/30/2010 7:50:26 AM
18 bids
 
Borrower Payment Dependent Notes Series 485936
This series of Notes was issued and sold upon the funding of the borrower loan #45843, 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-29-2010 
  Auction end date:  Dec-06-2010 
 
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: Sep-1987 Debt/Income ratio: 20%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $75,311Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: funds-sphinx0 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Discover
Purpose of loan:
This loan will be used to? Pay off debt incurred under my wife's name from a business I owned that is now closed. I want to have the debt under my name as it should not be under her name. Also the interest rate just sky rocketed to 29% At this rate I am not able to maintain the payment.

My financial situation:
I am a good candidate for this loan because? I still have a well paying job that I never left while running the business and I want to maintain my credit.

Monthly net income: $ 6,600.00

Monthly expenses: $ 4500.00
??Housing: $ 2100.00
??Insurance: $ 199.00
??Car expenses: $ 650.00
??Utilities: $ 20.00
??Phone, cable, internet: $ 400.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$50.00$50.0011/29/2010 2:57:01 PM
nickel-ferret$50.00$50.0011/29/2010 2:57:23 PM
jazzlender$25.00$25.0011/29/2010 3:01:59 PM
platinum-celebration4$25.00$25.0011/29/2010 3:06:56 PM
Ripsaw4U$50.00$50.0011/29/2010 2:58:00 PM
indomitable-coin$50.00$50.0011/29/2010 3:02:48 PM
dunox$50.00$50.0011/29/2010 3:04:39 PM
ichibon$150.00$150.0011/29/2010 3:15:21 PM
cablenews$50.00$50.0011/29/2010 3:19:30 PM
Webpreneur$50.00$50.0011/29/2010 3:17:19 PM
MrBailey$25.00$25.0011/29/2010 3:24:52 PM
Pulchritudinous$25.00$25.0011/29/2010 3:14:36 PM
peace-maximizer8$25.00$25.0011/29/2010 3:25:22 PM
bid-czar8$100.00$100.0011/29/2010 3:22:19 PM
trade-boots1$100.00$100.0011/29/2010 3:24:00 PM
organized-payment6$50.00$50.0011/29/2010 3:27:08 PM
wayman$50.00$8.4811/29/2010 3:27:24 PM
blue-useful-auction$25.00$25.0012/1/2010 11:12:27 AM
pythia$25.00$25.0012/1/2010 11:57:17 AM
principal-bull$25.00$25.0012/1/2010 4:54:30 PM
Milonguero$100.00$100.0012/2/2010 9:11:16 AM
loaner-dude$50.00$50.0012/2/2010 1:04:54 PM
SV-AZ$25.00$25.0012/2/2010 12:42:02 PM
Ven58$25.00$25.0012/3/2010 12:54:29 AM
newest-funds-powerplant$50.00$50.0012/2/2010 8:43:47 PM
chokichi$50.00$50.0012/2/2010 9:11:35 PM
lazyeye$25.00$25.0012/3/2010 5:34:13 AM
uralrider$34.97$34.9712/3/2010 12:57:36 PM
ttnk62918$25.00$25.0012/3/2010 12:03:38 PM
Nazbuster$50.00$50.0012/3/2010 12:53:10 PM
unafraid-loan5$25.00$25.0012/3/2010 1:26:02 PM
vineet$26.38$26.3812/3/2010 1:52:07 PM
Zen_help$25.00$25.0012/3/2010 2:11:14 PM
secureincome$2,000.00$2,000.0012/3/2010 5:08:05 PM
samurai2$30.00$30.0012/3/2010 9:38:06 PM
chameleon125$25.00$25.0012/4/2010 10:33:46 AM
mgking007$25.00$25.0012/3/2010 11:11:54 PM
social-comet7$25.00$25.0012/4/2010 2:22:30 PM
ekn_enterprises$25.00$25.0012/4/2010 12:45:23 PM
elloboverde$25.00$25.0012/4/2010 11:10:18 PM
jodilee31$40.89$40.8912/4/2010 4:44:39 PM
lth35$33.78$33.7812/4/2010 6:14:07 PM
keichi03$40.00$40.0012/4/2010 6:47:03 PM
platinum-investor1$25.00$25.0012/4/2010 9:22:24 PM
peaceful-farmer$25.00$25.0012/5/2010 1:03:52 PM
BxRealtor$25.00$25.0012/4/2010 2:21:37 PM
Ambassador$25.00$25.0012/5/2010 6:24:23 AM
Thoth_88$62.23$62.2312/5/2010 4:24:27 PM
troubleman50$65.00$65.0012/5/2010 5:24:40 PM
greekgst99$25.00$25.0012/6/2010 4:29:48 AM
Techne_Funds_LLC$25.00$25.0012/5/2010 3:54:25 PM
Washington_Loan$25.00$25.0012/5/2010 4:41:33 PM
BuzzyBee336$35.00$35.0012/5/2010 5:33:36 PM
loan-upholder4$25.00$25.0012/6/2010 7:02:09 AM
credit-panda1$25.00$25.0012/5/2010 4:04:08 AM
tomdooley12520$25.00$25.0012/5/2010 5:57:22 AM
loyalty-czar$25.00$25.0012/5/2010 8:53:29 PM
mbf2234$25.00$25.0012/6/2010 4:08:35 AM
vigilance-searcher$25.00$25.0012/6/2010 9:54:45 AM
orbital-return316$25.00$25.0012/5/2010 1:26:04 PM
euro-deployment$25.00$25.0012/5/2010 4:01:16 PM
LindaRicci$25.00$25.0012/6/2010 9:57:09 AM
sparkling-contract7$25.00$25.0012/6/2010 11:08:18 AM
investment-cluster$25.00$25.0012/6/2010 2:37:37 PM
Astyanax$75.00$75.0012/6/2010 12:00:43 PM
ajst1$30.00$30.0012/6/2010 12:40:59 PM
alphabet76$25.00$25.0012/6/2010 12:58:52 PM
economy-cherry$25.00$25.0012/6/2010 1:13:28 PM
Easystreet$25.00$25.0012/6/2010 1:30:09 PM
chicagoprosper$50.00$50.0012/6/2010 8:20:54 AM
elitegoodguy$25.00$25.0012/6/2010 1:48:29 PM
zztopdog$25.00$25.0012/6/2010 10:46:04 AM
proper-commitment5$25.00$25.0011/29/2010 2:59:09 PM
hopeful-truth5$100.00$100.0011/29/2010 3:05:00 PM
skuba$25.00$25.0011/29/2010 3:07:30 PM
tolerant-dinero2$25.00$25.0011/29/2010 3:09:31 PM
finance_mba$25.00$25.0011/29/2010 3:06:38 PM
melodious-fairness$50.00$50.0011/29/2010 3:07:49 PM
kulender$50.00$50.0011/29/2010 3:00:06 PM
enthralling-deal180$50.00$50.0011/29/2010 3:01:33 PM
finance-prescription$100.00$100.0011/29/2010 3:16:05 PM
simplelender80$250.00$250.0011/29/2010 3:04:07 PM
understanding-affluence5$30.00$30.0011/29/2010 3:14:28 PM
stuy1998$25.00$25.0011/29/2010 3:18:12 PM
careful-note$100.00$100.0011/29/2010 3:15:04 PM
ray1051$50.00$50.0011/29/2010 3:06:48 PM
ASR3$25.00$25.0011/29/2010 3:07:03 PM
AFairDeal$50.00$50.0011/29/2010 3:07:15 PM
rautility$50.00$50.0011/29/2010 3:20:57 PM
Mariner3605$100.00$100.0011/29/2010 3:18:21 PM
radforj22$25.00$25.0011/29/2010 3:18:38 PM
kc8fot$50.00$50.0011/29/2010 3:21:52 PM
community-seahorse0$25.00$25.0011/29/2010 3:27:15 PM
reflective-rupee$250.00$250.0011/29/2010 3:31:58 PM
LiveNow$25.00$25.0011/29/2010 3:21:32 PM
melodious-fairness$50.00$50.0011/30/2010 10:46:22 AM
elbastador$25.00$25.0011/30/2010 11:05:44 AM
Sol_Invictus$25.00$25.0011/30/2010 1:51:54 PM
greenback-guard$25.00$25.0011/30/2010 10:53:06 PM
dollardave$100.00$100.0012/1/2010 10:17:42 AM
Bank_Of_XL$50.00$50.0012/1/2010 4:21:45 PM
zippy-revenue8$25.00$25.0012/2/2010 4:48:14 AM
selector568$300.00$300.0012/2/2010 11:58:16 AM
blue-relay$25.00$25.0012/3/2010 6:32:19 AM
spiff666$25.00$25.0012/3/2010 6:53:17 AM
wwwUniversal$25.00$25.0012/3/2010 7:14:27 AM
Oakland$50.00$50.0012/3/2010 7:13:25 AM
economy-caper9$25.00$25.0012/3/2010 9:42:03 AM
outofoffice$50.00$50.0012/3/2010 10:12:46 AM
leverage-monger$25.00$25.0012/3/2010 6:40:26 AM
cutter21$25.00$25.0012/3/2010 2:00:45 PM
rbotterbLLC$25.00$25.0012/3/2010 10:16:32 AM
fund-javelin1$25.00$25.0012/3/2010 12:19:29 PM
cordial-funds8$30.00$30.0012/3/2010 12:51:58 PM
mclean_loaner$50.00$50.0012/3/2010 4:17:44 PM
1SteelerFan$30.00$30.0012/3/2010 3:38:51 PM
payment-freshmaker$33.27$33.2712/3/2010 5:14:45 PM
theboygenius$25.00$25.0012/3/2010 2:42:02 PM
Long-term2040$25.00$25.0012/3/2010 9:02:17 PM
Lo0se_mo0se$25.00$25.0012/4/2010 6:09:22 AM
benefit-trident$25.00$25.0012/4/2010 8:47:54 AM
gothampark$25.00$25.0012/4/2010 9:42:47 AM
hoffspot$25.00$25.0012/3/2010 5:32:19 PM
one-midas$25.00$25.0012/3/2010 5:43:07 PM
treasure-kazoo$50.00$50.0012/4/2010 2:21:22 PM
parsec458$50.00$50.0012/3/2010 9:59:24 PM
all_of_that_one$30.00$30.0012/4/2010 1:45:36 PM
forthright-principal2$25.00$25.0012/4/2010 2:19:32 PM
Bcs-cnc$25.00$25.0012/4/2010 8:27:24 PM
authoritative-loot$25.00$25.0012/4/2010 3:21:20 PM
bxdoc$40.00$40.0012/4/2010 3:29:01 PM
2Below$25.00$25.0012/4/2010 11:04:28 AM
Johnab$25.00$25.0012/4/2010 8:11:12 PM
Cal07$25.00$25.0012/5/2010 11:10:22 AM
Dollars4Rent$25.00$25.0012/5/2010 11:29:04 AM
ethicalhumanist$50.00$50.0012/5/2010 2:27:11 PM
upperdeck$25.00$25.0012/5/2010 9:14:32 AM
luminous-payout6$25.00$25.0012/5/2010 4:08:41 PM
trustworthy-finance6$150.00$150.0012/6/2010 7:38:59 AM
triumph329$25.00$25.0012/6/2010 8:21:13 AM
respectful-credit3$50.00$50.0012/6/2010 10:58:59 AM
jcquiroz$50.00$50.0012/6/2010 11:10:15 AM
nickel-position$25.00$25.0012/6/2010 12:05:52 PM
mammalian4$25.00$25.0012/6/2010 12:30:56 PM
loanman2007$75.00$75.0012/6/2010 1:08:20 PM
Tingali$25.00$25.0012/6/2010 9:33:58 AM
broker558$25.00$25.0012/6/2010 2:20:17 PM
principal-star$25.00$25.0012/6/2010 1:07:58 PM
houli123$1,600.00$1,600.0012/6/2010 1:43:16 PM
friendly-principal76$25.00$25.0012/6/2010 9:43:57 AM
mpatrick$25.00$25.0012/6/2010 2:23:31 PM
durability-high-five$25.00$25.0012/6/2010 11:25:42 AM
gogene2002$25.00$25.0012/6/2010 1:07:48 PM
debt-sphinx99$25.00$25.0012/6/2010 1:54:25 PM
154 bids
 
Borrower Payment Dependent Notes Series 486158
This series of Notes was issued and sold upon the funding of the borrower loan #45834, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Nov-30-2010 
  Auction end date:  Dec-07-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $327.15
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $327.15
 
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-1993 Debt/Income ratio: 17%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:17y 9m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,842Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: sage419 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of personal loan and CC
Purpose of loan:
I have a personal loan outstanding for the amount of $10600 @ 13.65%?. Initially I had requested? $15000 to combine my personal loan along with some credit card balances. Since? it seemed that the amount was not going to be funded, I have decided to go for a lesser amount?with a better rate. Thanks for your interest in funding my loan.

My financial situation:
:? I have a stable job at a?marketing and research company?which I have been working there for over 17years. Currently I am a Senior Field Technician in charge of training the field technicians in charge of?maintaining the electronic equipment
Monthly net income: $ 5500

Monthly expenses: $?
????Housing: $ 1143??Insurance: $ 0??Car expenses: $ 0??Utilities: $ 200??Phone, cable, internet: $ 50??Food, entertainment: $ 200??Clothing, household expenses $ 150??Credit cards and other loans: $ 600??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
indomitable-coin$50.00$50.0011/30/2010 2:01:30 PM
tech310$50.00$50.0011/30/2010 2:01:01 PM
ray1051$75.00$75.0011/30/2010 2:03:35 PM
selector568$400.00$400.0011/30/2010 2:03:56 PM
dunox$50.00$50.0011/30/2010 2:04:05 PM
Pulchritudinous$25.00$25.0011/30/2010 2:04:25 PM
money-bauble$100.00$100.0011/30/2010 2:03:01 PM
simplelender80$250.00$250.0011/30/2010 2:03:49 PM
skuba$25.00$25.0011/30/2010 2:05:25 PM
community-seahorse0$25.00$25.0011/30/2010 2:09:26 PM
rudyindc$25.00$25.0011/30/2010 2:10:15 PM
rss197$25.00$25.0011/30/2010 2:12:54 PM
enthralling-deal180$50.00$50.0011/30/2010 2:01:04 PM
LiveNow$25.00$25.0011/30/2010 2:31:34 PM
organized-payment6$50.00$50.0011/30/2010 2:03:44 PM
ASR3$25.00$25.0011/30/2010 2:05:09 PM
radforj22$25.00$25.0011/30/2010 2:07:57 PM
stuy1998$30.00$30.0011/30/2010 3:13:04 PM
trade-boots1$100.00$100.0011/30/2010 2:09:12 PM
melodious-fairness$50.00$50.0011/30/2010 3:15:45 PM
natural-affluence4$25.00$25.0011/30/2010 4:07:24 PM
zippy-revenue8$25.00$25.0011/30/2010 5:00:01 PM
comet55$25.00$25.0011/30/2010 4:45:47 PM
delicious-social132$25.00$25.0011/30/2010 6:28:06 PM
understanding-affluence5$30.00$30.0011/30/2010 3:15:49 PM
MrBailey$25.00$25.0011/30/2010 3:16:05 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:42:57 PM
jdrez$25.00$25.0012/1/2010 1:18:39 AM
generous-deal6$50.00$50.0012/1/2010 2:58:35 AM
MarinLoans$25.00$25.0011/30/2010 7:37:58 PM
RationalWorld$25.00$25.0011/30/2010 8:18:22 PM
Anny-Disco$50.00$50.0012/1/2010 3:39:36 AM
PocketAces$25.00$25.0012/1/2010 1:48:10 AM
retiresecure$25.00$25.0012/1/2010 7:35:25 AM
handshake5$100.00$17.3012/1/2010 10:11:10 AM
tomdooley12520$25.00$25.0012/1/2010 9:31:59 AM
manuvns$25.00$25.0012/1/2010 3:05:43 PM
titan2$25.00$25.0012/1/2010 4:04:57 PM
JustMee$25.00$25.0012/1/2010 4:56:39 PM
friendly-helper100$50.00$50.0012/2/2010 3:31:11 AM
balance-force$35.00$35.0012/2/2010 10:03:09 PM
dma1206$25.00$25.0012/3/2010 3:31:13 AM
forthright-principal2$25.00$25.0012/3/2010 9:42:10 AM
outofoffice$50.00$50.0012/3/2010 10:09:16 AM
Scotcha$50.00$50.0012/3/2010 8:38:18 AM
ttnk62918$25.00$25.0012/3/2010 12:03:50 PM
Nazbuster$50.00$50.0012/3/2010 12:58:45 PM
FundMaker$25.00$25.0012/3/2010 4:49:38 PM
bankojerry$25.00$25.0012/3/2010 5:18:09 PM
secureincome$2,000.00$2,000.0012/3/2010 5:09:06 PM
LawyerLoan$100.00$100.0012/3/2010 3:07:26 PM
newest-funds-powerplant$25.00$25.0012/3/2010 8:06:13 PM
jpblan11$25.00$25.0012/4/2010 8:38:21 AM
chameleon125$25.00$25.0012/4/2010 10:44:50 AM
bkb7484$25.00$25.0012/4/2010 3:47:04 AM
benefit-trident$25.00$25.0012/4/2010 8:48:01 AM
fair_rates$25.00$25.0012/4/2010 2:22:50 PM
all_of_that_one$40.00$40.0012/4/2010 1:20:46 PM
Flreap$25.00$25.0012/4/2010 10:04:09 AM
engaging-worth$25.00$25.0012/5/2010 11:17:26 AM
spiff666$25.00$25.0012/5/2010 6:09:34 PM
moneytolend72$25.00$25.0012/6/2010 12:17:24 PM
ethicalhumanist$50.00$50.0012/6/2010 12:52:34 PM
payout-alien6$25.00$25.0012/6/2010 10:59:37 AM
Castelj$69.00$69.0012/6/2010 8:06:28 AM
smalltown_mn$25.00$25.0012/6/2010 10:50:10 AM
CULPEPPERGROUP$25.00$25.0012/6/2010 2:48:51 PM
nickel-position$25.00$25.0012/6/2010 12:10:20 PM
investment-artist$50.00$50.0012/6/2010 12:28:40 PM
gustavholstopus32$25.00$25.0012/6/2010 2:16:44 PM
upright-silver$25.00$25.0012/6/2010 4:19:58 PM
j2ee$25.00$25.0012/6/2010 6:28:07 PM
Barky52$25.00$25.0012/6/2010 6:06:01 PM
Trident-Fund$25.00$25.0012/6/2010 8:42:53 PM
TommyTucker$25.00$25.0012/6/2010 5:20:55 PM
Charmart$25.00$25.0012/7/2010 2:51:37 AM
silver-mastery$25.00$25.0012/7/2010 5:29:55 AM
econwhiz$39.56$39.5612/7/2010 5:12:34 AM
RememberToForget$50.00$50.0012/7/2010 5:18:55 AM
Apotheosis$25.00$25.0012/7/2010 8:55:31 AM
phaded$25.00$25.0012/7/2010 9:20:12 AM
bonus-apple$200.00$200.0012/6/2010 8:31:01 PM
grant_myron$27.00$27.0012/6/2010 8:32:30 PM
myduck$50.00$50.0012/7/2010 6:32:26 AM
ready-agreement5$100.00$100.0012/6/2010 8:48:39 PM
J_Galt$50.00$50.0012/6/2010 8:48:56 PM
RecoveryLender$25.00$25.0012/7/2010 9:50:23 AM
authentic-peace7$50.00$50.0012/6/2010 8:59:43 PM
twerns$40.00$40.0012/7/2010 10:22:19 AM
billk333$25.00$25.0012/7/2010 8:17:31 AM
zotzot$25.00$25.0012/7/2010 5:20:35 AM
techreseller$50.00$50.0012/7/2010 6:06:25 AM
BHP12345$25.00$25.0012/7/2010 1:46:35 PM
dasbuntenheim$35.89$35.8912/7/2010 9:52:42 AM
Astyanax$75.00$75.0012/7/2010 10:05:43 AM
credit-panda1$25.00$25.0012/7/2010 6:59:04 AM
p_amadeus$27.17$27.1712/7/2010 11:14:26 AM
honorable-vigilance$25.00$25.0012/7/2010 8:13:45 AM
mgking007$25.00$25.0012/7/2010 11:58:42 AM
falcone$25.00$25.0012/7/2010 1:52:37 PM
jazzlender$25.00$25.0011/30/2010 2:01:42 PM
careful-note$100.00$100.0011/30/2010 2:02:05 PM
nickel-ferret$50.00$50.0011/30/2010 2:02:32 PM
hopeful-truth5$100.00$100.0011/30/2010 2:04:18 PM
tolerant-dinero2$25.00$25.0011/30/2010 2:05:43 PM
ichibon$150.00$150.0011/30/2010 2:06:40 PM
the-enterprising-leverage$25.00$25.0011/30/2010 2:09:57 PM
GElender$75.00$75.0011/30/2010 2:11:07 PM
myworld701$25.00$25.0011/30/2010 2:12:01 PM
RandyL3$25.00$25.0011/30/2010 2:12:25 PM
astute-investment5$25.00$25.0011/30/2010 2:13:04 PM
greenback-guard$25.00$25.0011/30/2010 2:13:25 PM
Ripsaw4U$50.00$50.0011/30/2010 2:00:13 PM
finance_mba$25.00$25.0011/30/2010 2:04:53 PM
platinum-celebration4$25.00$25.0011/30/2010 2:04:59 PM
AFairDeal$50.00$50.0011/30/2010 2:05:16 PM
Cherrypicker$40.00$40.0011/30/2010 3:11:08 PM
Webpreneur$50.00$50.0011/30/2010 2:07:29 PM
cablenews$50.00$50.0011/30/2010 2:08:04 PM
McGrufus$30.00$30.0011/30/2010 3:12:59 PM
newest-bountiful-basis$25.00$25.0011/30/2010 2:08:23 PM
community-pipeline8$25.00$25.0011/30/2010 3:13:18 PM
bid-czar8$100.00$100.0011/30/2010 2:08:50 PM
wayman$50.00$50.0011/30/2010 2:09:32 PM
Headhunter14$25.00$25.0011/30/2010 2:10:03 PM
the-bright-velocity$25.00$25.0011/30/2010 2:11:41 PM
gain-gourd$100.00$100.0011/30/2010 3:16:12 PM
commerce-yeller$50.00$50.0011/30/2010 2:12:43 PM
penny-plato$25.00$25.0011/30/2010 3:42:15 PM
bxdoc$32.53$32.5311/30/2010 2:27:02 PM
peace-maximizer8$25.00$25.0011/30/2010 2:31:38 PM
shellcollector$25.00$25.0011/30/2010 4:38:02 PM
PRGuyinVA$50.00$50.0011/30/2010 3:13:46 PM
bold-durability-drum$50.00$50.0011/30/2010 3:14:48 PM
native68$50.00$50.0011/30/2010 8:25:10 PM
finance-prescription$100.00$100.0011/30/2010 11:00:01 PM
Mariner3605$100.00$100.0011/30/2010 11:00:02 PM
kulender$41.59$41.5912/1/2010 2:35:11 AM
worth-arch$25.00$25.0012/1/2010 3:13:44 AM
Artist_Blue$25.00$25.0012/1/2010 5:34:58 AM
velocity-solo$25.00$25.0012/1/2010 7:39:52 AM
first-upright-payout$25.00$25.0012/1/2010 7:40:14 AM
Preteur$25.00$25.0012/1/2010 2:36:20 AM
melodious-fairness$50.00$50.0012/1/2010 10:18:38 AM
wealth-comet694$25.00$25.0012/1/2010 9:23:48 AM
DeepThinker$25.00$25.0012/1/2010 10:57:12 AM
blue-useful-auction$25.00$25.0012/1/2010 11:16:52 AM
Bio-physicist$25.00$25.0012/1/2010 3:05:48 PM
reflective-rupee$25.00$25.0012/1/2010 1:12:58 PM
penny-finder$30.00$30.0012/2/2010 12:17:43 AM
magnificent-income7$50.00$50.0012/2/2010 6:07:18 AM
SCD$25.00$25.0012/2/2010 4:05:34 AM
relierma$25.00$25.0012/3/2010 9:39:11 AM
wwwUniversal$25.00$25.0012/3/2010 10:42:19 AM
payout-detective7$27.93$27.9312/3/2010 1:57:46 PM
katnmouse$25.00$25.0012/3/2010 6:57:35 PM
navy_cash$25.00$25.0012/4/2010 11:09:01 AM
Brklyn01$25.00$25.0012/5/2010 3:25:19 AM
cedar5$31.35$31.3512/4/2010 10:10:50 PM
Dollars4Rent$25.00$25.0012/5/2010 11:40:25 AM
yogi1975$25.00$25.0012/5/2010 2:05:32 PM
commanding-income774$25.00$25.0012/6/2010 1:57:28 AM
availableloan$25.00$25.0012/5/2010 4:08:18 PM
TheMoneyVault$25.00$25.0012/5/2010 5:22:43 AM
thankful-nickel2$25.00$25.0012/5/2010 6:03:48 AM
engaging-worth$25.00$25.0012/5/2010 11:15:42 AM
JackinGreen$89.91$89.9112/5/2010 11:26:33 AM
LindaRicci$25.00$25.0012/6/2010 10:05:19 AM
sparkling-contract7$25.00$25.0012/6/2010 11:12:33 AM
octoberfresh$25.00$25.0012/6/2010 12:01:54 PM
Washington_Loan$25.00$25.0012/5/2010 4:41:41 PM
gilbrear$25.00$25.0012/6/2010 3:35:24 PM
fund-javelin1$25.00$25.0012/6/2010 1:19:22 PM
p2p-rider7$50.00$50.0012/6/2010 1:25:58 PM
fund-widget$26.00$26.0012/6/2010 4:31:24 PM
economy-cherry$25.00$25.0012/6/2010 3:29:17 PM
Milonguero$100.00$100.0012/6/2010 6:19:01 PM
social-comet7$25.00$25.0012/6/2010 6:37:19 PM
congardner1$25.00$25.0012/6/2010 10:08:52 PM
gjm6d$25.00$25.0012/6/2010 7:49:04 PM
rainbowsorbet$25.00$25.0012/6/2010 9:56:25 PM
OoM$25.00$25.0012/6/2010 10:15:11 PM
pghtiny$25.00$25.0012/7/2010 7:11:22 AM
platinum-investor1$25.00$25.0012/7/2010 8:16:37 AM
market-jam$33.25$33.2512/7/2010 9:14:18 AM
Richmp412$25.00$25.0012/7/2010 6:39:35 AM
pjandnikki$25.00$25.0012/7/2010 10:43:08 AM
toomanyfishtanks$25.00$25.0012/7/2010 9:53:09 AM
zbanker$26.52$26.5212/7/2010 6:31:45 AM
Digs$25.00$25.0012/7/2010 10:03:37 AM
verdiprr$100.00$100.0012/7/2010 6:43:08 AM
wwilcoxen$50.00$50.0012/7/2010 10:32:30 AM
Lender50$25.00$25.0012/7/2010 7:55:21 AM
kinetic-truth$25.00$25.0012/7/2010 1:11:19 PM
RIVERHTS$50.00$50.0012/7/2010 1:19:50 PM
megich06$50.00$50.0012/7/2010 10:48:53 AM
speedy-dime7$25.00$25.0012/7/2010 11:39:12 AM
197 bids
 
Borrower Payment Dependent Notes Series 486214
This series of Notes was issued and sold upon the funding of the borrower loan #45746, 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:  Dec-01-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $210.89
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $210.89
 
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-1990 Debt/Income ratio: 39%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,351Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: transaction-voltage4 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation of Debt

????I?m a single mother of two boys. I?ve spent the last nine years, battling their father for the privilege of raising them in the home they have lived in all their lives. Last year, my stubbornness paid off and now the house belongs to us. This was only possible with the love and support from my mother. She stood by me. Recently my mother has moved in with me. She was diagnosed with cancer. This cancer was a tumor around her voice box and the necessary treatment has cost her voice. Now it?s my privilege to take care of her. This loan will help by allowing me to consolidate my debt and ease the burden winter expenses often cause. Your help is greatly appreciated!!????With most of my debt consolidated the monthly payments for the loan will be easy to cover. The upcoming tax season will also make paying this loan easy. Thank-you for your help and support!!
Monthly net income: $ 1735

Monthly expenses: $
??Housing: $ 1350
??Insurance: $ 125
??Car expenses: $ 30wkly
??Utilities: $ 150
??Phone, cable, internet: $150
??Food, entertainment: $ 125wkly
??Clothing, household expenses $
??Credit cards and other loans: $ 126
??Other expenses: $


Monthly expenses: $
??Housing: $ 1350
??Insurance: $ 125
??Car expenses: $ 30wkly
??Utilities: $ 150
??Phone, cable, internet: $150
??Food, entertainment: $ 125wkly
??Clothing, household expenses $
??Credit cards and other loans: $ 126
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0012/1/2010 3:38:08 PM
money-bauble$25.00$25.0012/1/2010 3:42:32 PM
simplelender80$100.00$100.0012/1/2010 3:46:58 PM
kulender$38.83$38.8312/1/2010 3:51:20 PM
finance-prescription$100.00$100.0012/1/2010 3:47:28 PM
DonaldColorado$50.00$50.0012/1/2010 3:47:54 PM
diplomatic-wealth7$25.00$25.0012/1/2010 3:49:21 PM
ThatDanGuy$100.00$81.7012/1/2010 3:53:27 PM
economy-synapse$25.00$25.0012/1/2010 7:53:40 PM
alexgalt$25.00$25.0012/1/2010 10:16:45 PM
loyalist1$50.00$50.0012/3/2010 3:24:06 AM
reflective-rupee$100.00$100.0012/3/2010 8:34:09 AM
natural-trade7$100.00$100.0012/3/2010 8:03:21 PM
bid-czar8$100.00$100.0012/1/2010 3:48:28 PM
ASR3$25.00$25.0012/1/2010 3:46:56 PM
paytonbrigadier$200.00$200.0012/1/2010 3:48:11 PM
hopeful-truth5$75.00$75.0012/1/2010 3:39:45 PM
reflective-rupee$100.00$100.0012/1/2010 4:03:00 PM
finance-prescription$50.00$50.0012/1/2010 3:47:15 PM
trade-boots1$100.00$100.0012/1/2010 3:52:20 PM
musegaze$29.47$29.4712/3/2010 2:18:39 AM
reflective-rupee$100.00$100.0012/3/2010 8:33:56 AM
scrappy-diversification7$3,000.00$3,000.0012/3/2010 12:02:37 PM
scoobiedoo$25.00$25.0012/3/2010 2:23:23 PM
vine99$50.00$50.0012/4/2010 9:31:48 AM
Helenska11$50.00$50.0012/4/2010 8:09:39 PM
108lender$250.00$250.0012/5/2010 10:27:25 AM
honey-money$25.00$25.0012/4/2010 6:32:42 PM
28 bids
 
Borrower Payment Dependent Notes Series 486358
This series of Notes was issued and sold upon the funding of the borrower loan #45814, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,250.00 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: $94.90
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $94.90
 
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: Dec-1997 Debt/Income ratio: 5%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,380Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: discrete-gain2 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate three small credit cards.

My financial situation:
I am a good candidate for this loan because I make enough money and pay my bills on time.

Monthly net income: $ 4016

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 60
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
hopeful-truth5$75.00$75.0012/1/2010 3:39:46 PM
transaction-circuit$50.00$50.0012/1/2010 3:42:08 PM
Thylow$25.00$25.0012/1/2010 3:46:42 PM
bid-czar8$100.00$100.0012/1/2010 3:48:29 PM
handshake5$100.00$100.0012/1/2010 3:56:41 PM
daekpon$25.00$25.0012/1/2010 4:00:15 PM
graceful-investment$100.00$100.0012/1/2010 3:38:09 PM
lendstats_com$200.00$200.0012/1/2010 4:46:29 PM
SolarMoonshine$25.00$25.0012/1/2010 5:34:43 PM
simplelender80$100.00$100.0012/1/2010 3:46:58 PM
Rogelio48$30.00$30.0012/2/2010 2:29:54 AM
stable-bonus$28.71$28.7112/2/2010 9:51:36 AM
fuzed$40.00$40.0012/2/2010 9:52:31 AM
grampy48$30.00$30.0012/2/2010 1:18:57 PM
wwwUniversal$25.00$25.0012/2/2010 1:44:51 PM
dws2380$25.00$25.0012/3/2010 5:21:28 AM
newest-funds-powerplant$25.00$25.0012/3/2010 8:15:09 AM
dcap3$25.00$25.0012/3/2010 5:17:30 AM
money-bauble$25.00$25.0012/1/2010 3:42:32 PM
ASR3$25.00$25.0012/1/2010 3:46:55 PM
finance-prescription$50.00$50.0012/1/2010 3:47:15 PM
diplomatic-wealth7$25.00$25.0012/1/2010 3:49:22 PM
commerce-yeller$25.00$25.0012/1/2010 3:50:00 PM
DonaldColorado$50.00$50.0012/1/2010 3:47:54 PM
trade-boots1$97.37$97.3712/1/2010 3:52:21 PM
finance-prescription$100.00$100.0012/1/2010 3:47:26 PM
paytonbrigadier$200.00$200.0012/1/2010 3:48:12 PM
kulender$50.00$50.0012/1/2010 3:52:29 PM
ThatDanGuy$100.00$100.0012/1/2010 3:53:29 PM
ichibon$50.00$50.0012/1/2010 3:54:20 PM
Artist_Blue$25.00$25.0012/1/2010 3:54:51 PM
Redmond$25.00$25.0012/1/2010 3:56:16 PM
economy-synapse$25.00$25.0012/1/2010 7:53:41 PM
worthy-bid8$50.00$50.0012/1/2010 10:36:20 PM
Cai8899$25.00$25.0012/2/2010 12:59:28 AM
bulsa$25.00$25.0012/2/2010 3:31:29 AM
interstellar$50.00$50.0012/2/2010 2:32:33 AM
scarlet-velvet$25.00$25.0012/2/2010 3:45:23 AM
Helenska11$25.00$25.0012/1/2010 8:31:36 PM
asset-professor$28.76$20.5312/2/2010 11:03:14 AM
dedicated-transaction796$50.00$50.0012/2/2010 5:20:59 AM
note-mad-scientist$53.39$53.3912/2/2010 4:38:23 PM
HammerSmith$25.00$25.0012/3/2010 9:54:01 AM
43 bids
 
Borrower Payment Dependent Notes Series 486452
This series of Notes was issued and sold upon the funding of the borrower loan #45740, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-02-2010 
  Auction end date:  Dec-03-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 38.44% Starting monthly payment: $43.67
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 38.44% Final monthly payment: $43.67
 
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): 6 First credit line: Nov-2006 Debt/Income ratio: 9%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 4 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,130Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: dinero-control 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
Register my Car
I moved from Seattle, WA to Escondido, CA about a year ago and need to register my car and get Cali plates. I would have done this when I first moved down... unfortunately the DMV does not except credit cards. Please help me out and I will have this loan paid off within 6 months. I appreciate all the help I can get! I plan to put down about $200/month towards this loan. Thank you in advance!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ASR3$25.00$25.0012/2/2010 4:35:08 PM
money-bauble$25.00$25.0012/2/2010 4:31:26 PM
simplelender80$100.00$100.0012/2/2010 4:38:45 PM
nickel-hickory$50.00$10.0012/2/2010 4:39:59 PM
bid-czar8$100.00$100.0012/2/2010 4:36:57 PM
back-scratchers$25.00$25.0012/2/2010 4:45:22 PM
graceful-investment$100.00$100.0012/2/2010 4:06:07 PM
tkr2$25.00$25.0012/3/2010 2:56:01 AM
dcap3$25.00$25.0012/3/2010 5:08:15 AM
DonaldColorado$50.00$50.0012/2/2010 4:36:00 PM
diplomatic-wealth7$25.00$25.0012/2/2010 4:37:36 PM
paytonbrigadier$200.00$200.0012/2/2010 4:36:26 PM
interstellar$50.00$50.0012/2/2010 4:45:11 PM
pembull$50.00$50.0012/2/2010 4:56:48 PM
transaction-circuit$50.00$50.0012/2/2010 4:33:25 PM
SolarMoonshine$25.00$25.0012/2/2010 5:30:16 PM
vine99$40.00$40.0012/2/2010 6:12:43 PM
commerce-yeller$25.00$25.0012/2/2010 4:38:33 PM
greenback-guard$25.00$25.0012/2/2010 4:46:52 PM
BankOfShaun$25.00$25.0012/2/2010 5:03:47 PM
20 bids
 
Borrower Payment Dependent Notes Series 486572
This series of Notes was issued and sold upon the funding of the borrower loan #45828, 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:  Dec-02-2010 
  Auction end date:  Dec-04-2010 
 
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): 6 First credit line: Apr-1999 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 26 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,581Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: basis-aspen Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off bills
Purpose of loan: To help pay of? some outstanding loans, including my daughters college debt.
This loan will be used to? pay credit debt debt, and to pay college loans.?

My financial situation: has been better, but unforseen things happen and put me behind.
I am a good candidate for this loan because? I always pay my bills!! I want my daughter to go to her next year in college. I am a 4th grade teacher with twelve years experience and very responsible.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $?1,700??Car expenses: $ 295.00
??Utilities: $ 500.00 total
??Phone, cable, internet: $
??Food, entertainment: $ 300.00
??Clothing, household expenses $ very small
??Credit cards and other loans: $ 1,000
??Other expenses: $ 400.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0012/2/2010 4:06:24 PM
money-bauble$25.00$25.0012/2/2010 4:31:35 PM
Thylow$100.00$100.0012/2/2010 4:34:15 PM
ASR3$25.00$25.0012/2/2010 4:35:04 PM
Redmond$25.00$25.0012/2/2010 4:43:18 PM
greenback-guard$25.00$25.0012/2/2010 4:46:54 PM
handshake5$100.00$100.0012/2/2010 4:43:47 PM
ThatDanGuy$50.00$50.0012/2/2010 4:04:24 PM
soulful-truth$57.40$57.4012/2/2010 5:28:10 PM
deal-baron$25.00$25.0012/2/2010 5:33:12 PM
dedicated-diversification5$43.09$43.0912/2/2010 7:18:23 PM
tech310$25.00$25.0012/2/2010 8:12:44 PM
kulender$50.00$50.0012/2/2010 4:41:44 PM
value-microscope$25.00$25.0012/3/2010 4:25:32 AM
worth-arch$25.00$25.0012/3/2010 4:52:07 AM
Interstate_Rate$26.57$26.5712/3/2010 5:22:14 AM
Jonb6919$25.00$25.0012/3/2010 2:56:45 AM
zburner$25.00$25.0012/3/2010 5:47:38 AM
kind-efficient-credit$50.00$50.0012/3/2010 6:55:19 AM
reflective-rupee$100.00$100.0012/3/2010 8:54:23 AM
bountiful-durability$25.00$25.0012/2/2010 10:48:04 PM
Kreditorium$25.00$25.0012/3/2010 9:54:09 AM
jmcdon7230$25.00$25.0012/3/2010 2:04:00 AM
gulch$50.00$50.0012/3/2010 10:11:48 AM
blue-useful-auction$25.00$25.0012/3/2010 8:41:48 AM
reflective-rupee$100.00$100.0012/3/2010 8:54:09 AM
87Marc$25.00$25.0012/3/2010 9:37:09 AM
asset-professor$29.47$13.9112/3/2010 10:24:43 AM
cash-boots$25.00$25.0012/3/2010 7:08:46 AM
foothillender$25.00$25.0012/3/2010 8:36:01 AM
slobberjob$50.00$50.0012/3/2010 9:05:58 AM
lend2end$25.00$25.0012/3/2010 9:25:04 AM
socalavi8tor$25.00$25.0012/3/2010 10:23:32 AM
glroark$100.00$100.0012/3/2010 3:41:55 PM
diplomatic-wealth7$25.00$25.0012/2/2010 4:37:42 PM
transaction-circuit$50.00$50.0012/2/2010 4:33:26 PM
simplelender80$100.00$100.0012/2/2010 4:38:48 PM
DonaldColorado$50.00$50.0012/2/2010 4:36:11 PM
nickel-hickory$50.00$50.0012/2/2010 4:40:07 PM
Artist_Blue$25.00$25.0012/2/2010 4:42:22 PM
Int_PrinRateTime4000$25.00$25.0012/2/2010 5:05:03 PM
worthy-bid8$50.00$50.0012/2/2010 4:45:00 PM
bid-czar8$100.00$100.0012/2/2010 4:37:05 PM
mjdaking$25.00$25.0012/3/2010 12:36:15 AM
DadWarbucks$59.75$59.7512/3/2010 1:44:10 AM
ichibon$25.00$25.0012/2/2010 4:44:20 PM
selfmademan$25.00$25.0012/3/2010 12:55:49 AM
54CHEVY$46.43$46.4312/3/2010 1:36:41 AM
kindness-hickory5$25.00$25.0012/3/2010 6:00:31 AM
raisingophelia$25.00$25.0012/2/2010 5:10:18 PM
joee$25.00$25.0012/2/2010 5:33:14 PM
HawaiiB$30.05$30.0512/2/2010 5:38:04 PM
KramericaIndustries$25.00$25.0012/3/2010 7:08:37 AM
zone6$67.35$67.3512/2/2010 6:25:03 PM
zippy-interest$25.00$25.0012/3/2010 5:29:21 AM
sdkevin$25.00$25.0012/3/2010 7:43:01 AM
StrategicFinancier21$25.00$25.0012/2/2010 10:47:58 PM
shrewd-peace7$25.00$25.0012/3/2010 9:55:10 AM
yomanie$32.60$32.6012/3/2010 2:04:50 AM
Share_The_Wealth$44.85$44.8512/3/2010 2:11:56 AM
reflective-rupee$100.00$100.0012/3/2010 8:54:36 AM
JGB$100.00$100.0012/3/2010 5:08:19 AM
lloyd_s$25.00$25.0012/3/2010 5:12:56 AM
responsive-rate884$28.00$28.0012/3/2010 9:36:45 AM
nilonc1$150.00$150.0012/3/2010 9:58:07 AM
roadster199$25.00$25.0012/4/2010 1:18:51 AM
bankbuddy55$75.00$75.0012/4/2010 7:21:58 AM
67 bids
 
Borrower Payment Dependent Notes Series 486674
This series of Notes was issued and sold upon the funding of the borrower loan #45752, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25% Auction start date:  Dec-03-2010 
  Auction end date:  Dec-05-2010 
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 12.66% Starting monthly payment: $130.10
Final lender yield: 9.55% Final borrower rate/APR: 10.55% / 12.66% Final monthly payment: $130.10
 
Auction yield range: 3.57% - 9.55% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1990 Debt/Income ratio: 4%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 4 Current / open credit lines: 5 / 5Length of status:4y 7m
Amount delinquent: $3,254 Total credit lines: 22 Occupation: Executive
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $1,546Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: Mike_ct Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
740-759 (May-2010)
740-759 (Mar-2010)
 
Principal balance: $6,833.27 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Fundung for website
Purpose of loan:
This loan will be used to? Fund my new website business

My financial situation:
I am a good candidate for this loan because? I make excellent money an pay my bills on time. I do not wish to put this on my credit card.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jazzlender$25.00$25.0012/3/2010 2:15:57 PM
enthralling-deal180$50.00$50.0012/3/2010 2:17:19 PM
platinum-celebration4$25.00$25.0012/3/2010 2:18:43 PM
tolerant-dinero2$25.00$25.0012/3/2010 2:19:27 PM
reward-motion$50.00$50.0012/3/2010 2:22:34 PM
worthy-bid8$100.00$100.0012/3/2010 2:25:33 PM
organized-payment6$50.00$50.0012/3/2010 2:27:18 PM
alexstar$25.00$25.0012/3/2010 2:29:39 PM
a-shiny-dime$25.00$25.0012/3/2010 2:40:49 PM
finance_mba$25.00$25.0012/3/2010 2:18:27 PM
interest-exec9$25.00$25.0012/3/2010 2:44:44 PM
SimpleChoice$25.00$25.0012/3/2010 2:26:28 PM
balanced-bill7$50.00$50.0012/3/2010 2:28:57 PM
the-dollar-topper$100.00$100.0012/3/2010 2:30:34 PM
money-bauble$25.00$25.0012/3/2010 3:22:17 PM
gopbernie$25.00$25.0012/3/2010 3:36:16 PM
simplelender80$250.00$250.0012/3/2010 2:17:32 PM
hopeful-truth5$100.00$100.0012/3/2010 2:17:58 PM
ASR3$35.00$35.0012/3/2010 2:18:58 PM
bid-czar8$100.00$100.0012/3/2010 2:20:39 PM
trade-boots1$100.00$100.0012/3/2010 2:21:03 PM
the-enterprising-leverage$25.00$25.0012/3/2010 2:21:29 PM
lloyd_s$25.00$25.0012/3/2010 5:24:09 PM
kind-adventurous-finance$50.00$50.0012/3/2010 2:22:48 PM
Artist_Blue$25.00$25.0012/3/2010 2:25:06 PM
commerce-yeller$50.00$50.0012/3/2010 5:27:53 PM
lendme2$33.92$33.9212/4/2010 1:04:31 AM
agwosdof$34.18$34.1812/4/2010 6:22:37 AM
happy-asset$25.00$25.0012/4/2010 2:43:06 AM
asset-professor$41.94$41.9412/4/2010 3:07:05 AM
PocketAces$25.00$25.0012/4/2010 1:30:13 AM
UT-Longhorn$25.00$25.0012/4/2010 11:40:39 AM
interstellar$50.00$50.0012/4/2010 11:55:02 AM
dg5803$50.00$50.0012/4/2010 5:57:49 PM
rmpedi33$50.00$50.0012/4/2010 8:20:50 AM
gold-heaven9$50.00$50.0012/4/2010 6:13:09 PM
thankful-nickel2$25.00$25.0012/4/2010 7:10:41 PM
wwwUniversal$25.00$25.0012/5/2010 10:39:35 AM
richboy56$25.00$12.2412/5/2010 10:53:37 AM
meenan$50.00$50.0012/4/2010 11:27:27 PM
upperdeck$25.00$25.0012/5/2010 9:13:48 AM
tech310$50.00$50.0012/3/2010 2:16:35 PM
rss197$25.00$25.0012/3/2010 2:16:58 PM
dunox$25.00$25.0012/3/2010 2:17:08 PM
indomitable-coin$50.00$50.0012/3/2010 2:17:13 PM
AFairDeal$50.00$50.0012/3/2010 2:19:10 PM
Headhunter14$25.00$25.0012/3/2010 2:21:46 PM
natural-affluence4$25.00$25.0012/3/2010 2:23:03 PM
handshake5$100.00$100.0012/3/2010 2:26:11 PM
ichibon$150.00$150.0012/3/2010 2:26:58 PM
Webpreneur$50.00$50.0012/3/2010 2:20:06 PM
the-bright-velocity$25.00$25.0012/3/2010 2:22:05 PM
kulender$50.00$50.0012/3/2010 2:23:45 PM
direct-social3$50.00$50.0012/3/2010 2:42:27 PM
velocity-solo$25.00$25.0012/3/2010 4:49:53 PM
careful-note$100.00$100.0012/3/2010 2:16:09 PM
ray1051$75.00$75.0012/3/2010 2:17:29 PM
radforj22$25.00$25.0012/3/2010 2:20:21 PM
first-upright-payout$25.00$25.0012/3/2010 5:25:24 PM
competent-p2p$50.00$50.0012/3/2010 5:25:33 PM
melodious-fairness$50.00$50.0012/3/2010 5:29:47 PM
Dunndeal4u$44.54$44.5412/3/2010 5:40:34 PM
Ripsaw4U$50.00$50.0012/3/2010 2:41:48 PM
worldly-community3$31.41$31.4112/3/2010 5:30:16 PM
jdrez$25.00$25.0012/4/2010 1:17:29 AM
gethsemane4$25.00$25.0012/4/2010 1:53:08 AM
gala279$50.00$50.0012/4/2010 6:48:14 AM
Preteur$25.00$25.0012/4/2010 1:30:27 AM
zone6$50.00$50.0012/4/2010 2:41:45 AM
the-profit-oracle$25.00$25.0012/4/2010 2:44:39 AM
Anny-Disco$41.71$41.7112/4/2010 11:27:42 AM
income-encore1$25.00$25.0012/4/2010 11:59:23 AM
Blends$30.00$30.0012/4/2010 5:55:09 AM
granitepk$45.22$45.2212/4/2010 6:13:37 AM
economy-beast$25.00$25.0012/3/2010 8:35:36 PM
listing-trapper3$75.00$75.0012/4/2010 1:52:55 PM
unforgettable-order9$50.00$50.0012/4/2010 7:53:16 AM
wonderful-dime$25.00$25.0012/4/2010 4:24:09 PM
SpotLending$25.00$25.0012/4/2010 9:15:54 PM
GElender$25.00$25.0012/5/2010 3:27:48 AM
diversification-empire$50.00$50.0012/4/2010 11:54:55 AM
haidoken$50.00$50.0012/5/2010 1:59:38 AM
cablenews$50.00$50.0012/4/2010 2:22:34 PM
red-favorable-basis$25.00$25.0012/5/2010 10:05:01 AM
jamiee73$25.00$25.0012/4/2010 5:22:59 PM
nickel-ferret$49.84$49.8412/4/2010 6:12:59 PM
wanna-help$50.00$50.0012/5/2010 10:27:44 AM
xrycac$25.00$25.0012/5/2010 10:40:17 AM
bondhedger$25.00$25.0012/5/2010 10:49:50 AM
89 bids
 
Borrower Payment Dependent Notes Series 479427
This series of Notes was issued and sold upon the funding of the borrower loan #45810, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
Final lender yield: 22.00% Final borrower rate/APR: 23.00% / 26.46% Final monthly payment: $154.84
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 25.25%  
Lender servicing fee: 1.00% Estimated return: -3.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1995 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: tuyenvo Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 65 ( 94% ) 680-699 (Latest)
Principal borrowed: $35,000.00< 31 days late: 4 ( 6% )  
680-699 (Sep-2010)
680-699 (Oct-2009)
660-679 (Jan-2008)
(Feb-2006)
 
Principal balance: $725.81 31+ days late: 0 ( 0% )
Total payments billed: 69  
Description
Paying off loan and credit card
Purpose of loan:
I have about $700 left on an old Prosper loan and about $3,000 on my credit card.? Want to pay off both of these.

My financial situation:
I am a good candidate for this loan because already paid back a $25,000 Prosper Loan and have been in good standing with my current Prosper Loan which will end in 2 months.

Monthly net income: $4500

Monthly expenses: $
??Housing: $ 0 (wife pays for this)
??Insurance: $ 0 (wife pays for this)
??Car expenses: $ 150 - gas mainly but also baking in regular maintenance
??Utilities: $ 0 (wife pays for this)
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600
??Other expenses: $ 1000
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What was the reason for the 4 (<31 days late) payments on your previous Prosper loans? How have you budgeted to assure you can make a payment on this loan? - ZPBSFinancialGroup
A: Thanks for asking! There was a snafu with the bank account I had on file with Prosper. I had switched from one checking account to another but Prosper still was debiting from the old account. I would be contacted a few days after the due date by Prosper and I would immediately make a payment. It took a few months for them to get the bank accounts fully switched over and I have never had a late payment since. (Dec-03-2010)
Q: What credit cards do you have to pay down if your revolving credit balance and delinquencies are at $0? - diversification-maple1
A: Thanks for asking! I thought this was weird, too when the listing was created. I think Prosper pulls my credit using a credit bureau that doesn't have my credit card on file. The card I have is a Capital One Miles card. (Dec-03-2010)
Q: oops...One last question I forgot to include! What do you do for a living? How long have you been employed at your present employer, and what's your employment situation like overall? Thanks again! - ZPBSFinancialGroup
A: Thanks for asking! I work at an online marketing company that specializes in sales leads to auto dealerships, mortgage brokers, and credit card issuers. I've been working here since 2006 and I am a product developer. (Dec-03-2010)
Q: what is your wife's job? does her income include in your listing? - p2ploan-sensation211
A: She is separate from this and should not be included in your decision making process. (Dec-03-2010)
Q: Your HR credit is a concern, but I am bidding on YOU. I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid. I am NOT a bank, I am a REAL person putting faith in you, So please don?t let me down! - I-Believe-In-You
A: I appreciate your concern. I have never defaulted on a loan and don't intend to. My last two loans with Prosper were for $25,000 (completely paid back) and $10,000 (2 payments left). (Dec-03-2010)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
realtormoises$25.00$25.0012/4/2010 5:36:37 AM
Gandalf0001$25.00$25.0012/4/2010 3:01:23 AM
Moe87$50.00$50.0012/4/2010 7:01:12 AM
investment-artist$25.00$25.0012/4/2010 3:40:46 PM
marwadi-62$500.00$500.0012/4/2010 10:58:38 AM
onecooldrink$25.00$25.0012/6/2010 11:27:21 AM
red-favorable-basis$25.00$25.0012/6/2010 11:59:40 AM
penny-plato$25.00$25.0012/5/2010 5:03:58 PM
credit-missile$25.00$25.0012/6/2010 1:33:14 PM
coin-sphinx4$100.00$100.0012/6/2010 1:47:02 PM
credit-missile$25.00$25.0012/6/2010 1:32:47 PM
cash-prodigy1$40.71$40.7112/6/2010 7:57:33 AM
LindaRicci$25.00$25.0012/6/2010 9:39:48 AM
rbgnr111$25.00$25.0012/6/2010 2:15:40 PM
vmh20035$34.24$34.2412/6/2010 11:01:32 AM
credit-missile$25.00$25.0012/6/2010 1:32:23 PM
mikeandcat$100.00$100.0012/6/2010 1:55:27 PM
one-midas$25.00$25.0012/6/2010 2:53:07 PM
investment-artist$25.00$25.0011/30/2010 9:24:34 AM
loanman2007$200.00$200.0012/1/2010 6:09:52 AM
good4loan$25.00$25.0012/2/2010 4:37:13 PM
ZPBSFinancialGroup$25.00$25.0012/3/2010 4:31:56 PM
JerryB96$25.00$25.0012/4/2010 8:12:28 AM
systematic-fairness1$65.89$65.8912/4/2010 10:31:07 AM
credit-guard5$25.00$25.0012/5/2010 12:50:23 PM
lively-exchange$25.00$25.0012/6/2010 9:14:35 AM
Astyanax$100.00$100.0012/6/2010 11:40:22 AM
best-deal-escalator$26.49$26.4912/6/2010 1:27:56 PM
farchoir$25.00$25.0012/5/2010 6:44:00 PM
csandb$25.00$25.0012/6/2010 1:36:59 PM
bunnybear$54.78$53.3012/6/2010 9:43:07 AM
goffmt$53.37$53.3712/6/2010 1:08:45 AM
houli123$2,000.00$2,000.0012/6/2010 1:24:48 PM
George2384$25.00$25.0012/6/2010 9:07:38 AM
economy-popcorn$25.00$25.0012/6/2010 1:46:36 PM
SkinnyFish$26.00$26.0012/6/2010 2:14:05 PM
fantastic-deal5$50.00$50.0012/6/2010 1:17:42 PM
Bcs-cnc$50.00$50.0012/6/2010 1:44:49 PM
38 bids
 
Borrower Payment Dependent Notes Series 481389
This series of Notes was issued and sold upon the funding of the borrower loan #45835, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Nov-30-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $327.15
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $327.15
 
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: Jul-1988 Debt/Income ratio: 17%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 37 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,996Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: trade-giraffe0 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.
Description
personal
Purpose of loan:
This loan will be used to help me with medical bills.

My financial situation:
I am a good candidate for this loan because I pay my debts and work hard to ensure that everything is taken care of for myself and family always.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Ripsaw4U$50.00$50.0011/30/2010 2:00:03 PM
indomitable-coin$50.00$50.0011/30/2010 2:01:24 PM
tech310$50.00$50.0011/30/2010 2:00:58 PM
organized-payment6$50.00$50.0011/30/2010 2:03:43 PM
dunox$50.00$50.0011/30/2010 2:04:00 PM
careful-note$100.00$100.0011/30/2010 2:02:00 PM
simplelender80$250.00$250.0011/30/2010 2:03:55 PM
skuba$25.00$25.0011/30/2010 2:05:18 PM
kulender$100.00$100.0011/30/2010 2:04:23 PM
finance_mba$25.00$25.0011/30/2010 2:04:50 PM
understanding-affluence5$30.00$30.0011/30/2010 2:06:15 PM
melodious-fairness$50.00$50.0011/30/2010 2:05:30 PM
Webpreneur$50.00$50.0011/30/2010 2:07:20 PM
Mariner3605$100.00$100.0011/30/2010 2:07:34 PM
Havana21$100.00$100.0011/30/2010 2:07:10 PM
LiveNow$25.00$25.0011/30/2010 2:08:31 PM
bid-czar8$100.00$100.0011/30/2010 2:08:37 PM
trade-boots1$100.00$100.0011/30/2010 2:09:08 PM
rudyindc$25.00$25.0011/30/2010 2:10:07 PM
the-bright-velocity$25.00$25.0011/30/2010 2:11:48 PM
RandyL3$25.00$25.0011/30/2010 2:12:24 PM
competent-p2p$25.00$25.0011/30/2010 2:30:33 PM
ASR3$25.00$25.0011/30/2010 2:05:05 PM
proper-commitment5$25.00$25.0011/30/2010 3:10:58 PM
radforj22$25.00$25.0011/30/2010 2:07:40 PM
Headhunter14$25.00$25.0011/30/2010 2:09:59 PM
commerce-yeller$50.00$50.0011/30/2010 2:12:41 PM
gavinfh$25.00$25.0011/30/2010 2:13:09 PM
velocity-solo$25.00$25.0011/30/2010 3:17:13 PM
p2p-rider7$50.00$50.0011/30/2010 2:29:42 PM
SajDiddy$75.00$75.0011/30/2010 4:55:10 PM
MarinLoans$25.00$25.0011/30/2010 7:37:52 PM
zebra806$100.00$100.0011/30/2010 3:14:58 PM
yield-enlistment$25.00$25.0011/30/2010 11:00:08 PM
maximizer$25.00$25.0011/30/2010 11:00:19 PM
tsui517$25.00$25.0012/1/2010 1:48:17 AM
handshake5$25.00$25.0012/1/2010 1:48:22 AM
Anny-Disco$50.00$50.0012/1/2010 3:39:51 AM
the-profit-oracle$25.00$25.0011/30/2010 10:59:55 PM
first-upright-payout$25.00$25.0012/1/2010 7:40:11 AM
blue-useful-auction$25.00$25.0012/1/2010 11:15:07 AM
direct-liberty819$50.00$50.0012/1/2010 8:42:59 AM
Approved1234$50.00$50.0012/1/2010 2:50:52 PM
objective-investor$66.14$66.1412/1/2010 2:51:01 PM
investment-comet$25.00$25.0012/1/2010 11:19:24 AM
the-debt-fluffy-bunny$25.00$25.0012/1/2010 2:55:55 PM
pouch7$25.00$25.0012/1/2010 3:00:40 PM
Ballard$25.00$25.0012/1/2010 3:06:54 PM
granitepk$50.00$50.0012/1/2010 5:03:00 PM
Bank42$45.74$45.7412/1/2010 7:32:39 PM
riproaringrapids$25.00$25.0012/1/2010 7:47:58 PM
graceful-investment$100.00$100.0012/1/2010 7:46:29 PM
bayareainv$50.00$50.0012/1/2010 7:47:46 PM
SimpleChoice$25.00$25.0012/1/2010 8:09:23 PM
alaco$25.00$25.0012/2/2010 5:28:31 AM
efficient-treasure0$25.00$25.0012/1/2010 7:44:25 PM
building_community$25.00$25.0012/2/2010 8:17:30 AM
be_wise$25.00$25.0012/2/2010 8:17:58 AM
wampum-launcher0$30.00$30.0012/2/2010 9:35:10 AM
Aimvest$25.00$25.0012/2/2010 9:41:40 AM
nybanker85$39.18$39.1812/2/2010 1:03:12 AM
supreme-benefit$25.00$25.0012/2/2010 12:11:59 PM
alpinaut$25.00$25.0012/2/2010 11:53:32 AM
rakstar$25.00$25.0012/2/2010 6:03:12 AM
jstnow$25.00$25.0012/2/2010 3:01:08 PM
loyalist1$30.73$30.7312/2/2010 1:16:39 PM
keeks$25.00$25.0012/2/2010 5:03:30 PM
best-marketologist$25.00$25.0012/2/2010 5:03:35 PM
SAR-2$25.00$25.0012/2/2010 5:03:43 PM
marilyn7$50.00$50.0012/2/2010 5:03:51 PM
nestegg4e$25.00$25.0012/2/2010 5:04:02 PM
revenue-serenity$25.00$25.0012/2/2010 5:04:07 PM
kc8fot$50.00$21.7512/2/2010 5:04:13 PM
icecoldcash$50.00$50.0012/2/2010 5:03:24 PM
cathexis$50.00$50.0012/2/2010 5:03:31 PM
JoyfulVegetarian$25.00$25.0012/2/2010 5:03:39 PM
Chembro783$25.00$25.0012/2/2010 5:03:46 PM
CFO$30.00$30.0012/2/2010 5:03:52 PM
piper1636$50.00$50.0012/2/2010 5:04:08 PM
dma1206$25.00$25.0012/2/2010 5:13:45 PM
mrrc7498$25.00$25.0012/2/2010 5:03:29 PM
forthright-trade$25.00$25.0012/2/2010 5:03:33 PM
scottssm$43.00$43.0012/2/2010 5:03:42 PM
excellent-nickel$26.89$26.8912/2/2010 5:03:53 PM
Eagledrop$25.00$25.0012/2/2010 5:04:00 PM
balanced-rupee$50.00$50.0012/2/2010 5:04:09 PM
outofoffice$34.15$34.1512/3/2010 10:08:46 AM
reflective-rupee$100.00$100.0012/3/2010 10:43:39 AM
ttnk62918$25.00$25.0012/3/2010 12:03:46 PM
gustavholstopus32$25.00$25.0012/3/2010 2:00:30 PM
newest-funds-powerplant$50.00$50.0012/3/2010 4:23:50 PM
mclean_loaner$50.00$50.0012/3/2010 4:19:36 PM
rmpedi33$25.00$25.0012/4/2010 8:28:49 AM
benefit-trident$25.00$25.0012/4/2010 8:47:57 AM
AuroraRobbin$40.00$40.0012/6/2010 5:38:32 AM
thankful-nickel2$25.00$25.0012/5/2010 5:55:22 AM
rdrloan$50.00$50.0012/6/2010 7:39:04 AM
Washington_Loan$25.00$25.0012/5/2010 4:41:38 PM
Auditman$50.00$50.0012/6/2010 5:56:15 AM
enthralling-deal180$50.00$50.0011/30/2010 2:01:02 PM
delicious-social132$43.89$43.8911/30/2010 2:03:41 PM
selector568$400.00$400.0011/30/2010 2:03:57 PM
jazzlender$25.00$25.0011/30/2010 2:01:33 PM
hopeful-truth5$100.00$100.0011/30/2010 2:04:15 PM
platinum-celebration4$25.00$25.0011/30/2010 2:04:55 PM
AFairDeal$50.00$50.0011/30/2010 2:05:11 PM
ichibon$150.00$150.0011/30/2010 2:06:29 PM
finance-prescription$100.00$100.0011/30/2010 2:06:54 PM
newest-bountiful-basis$25.00$25.0011/30/2010 2:08:22 PM
peace-maximizer8$25.00$25.0011/30/2010 2:09:19 PM
community-seahorse0$25.00$25.0011/30/2010 2:09:25 PM
MrBailey$25.00$25.0011/30/2010 2:09:17 PM
wayman$50.00$50.0011/30/2010 2:09:28 PM
the-enterprising-leverage$25.00$25.0011/30/2010 2:09:53 PM
gain-gourd$100.00$100.0011/30/2010 2:10:31 PM
bxdoc$75.00$75.0011/30/2010 2:12:12 PM
RationalWorld$25.00$25.0011/30/2010 2:12:44 PM
astute-investment5$25.00$25.0011/30/2010 2:12:59 PM
greenback-guard$25.00$25.0011/30/2010 2:13:23 PM
nickel-ferret$50.00$50.0011/30/2010 2:02:20 PM
money-bauble$100.00$100.0011/30/2010 2:02:56 PM
GElender$75.00$75.0011/30/2010 2:03:04 PM
ray1051$75.00$75.0011/30/2010 2:03:34 PM
tolerant-dinero2$25.00$25.0011/30/2010 2:04:35 PM
rautility$50.00$50.0011/30/2010 3:13:38 PM
myworld701$25.00$25.0011/30/2010 2:11:59 PM
rss197$25.00$25.0011/30/2010 2:12:49 PM
bonafide-cash$50.00$50.0011/30/2010 2:27:55 PM
native68$50.00$50.0011/30/2010 8:25:03 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:42:52 PM
natural-affluence4$25.00$25.0011/30/2010 4:07:20 PM
comet55$25.00$25.0011/30/2010 4:45:43 PM
generous-deal6$50.00$50.0012/1/2010 2:58:18 AM
Artist_Blue$25.00$25.0012/1/2010 5:35:12 AM
friendly-helper100$50.00$50.0012/1/2010 5:38:44 AM
worthy-bid8$100.00$100.0012/1/2010 10:42:42 AM
valiant-liberty4$25.00$25.0012/1/2010 11:07:09 AM
108lender$38.53$38.5312/1/2010 2:49:23 PM
bazaar-utensil7$50.00$50.0012/1/2010 2:58:47 PM
cablenews$50.00$50.0012/1/2010 2:51:49 PM
open-dough6$50.00$50.0012/1/2010 2:58:01 PM
mjunlimited$50.00$50.0012/1/2010 3:31:12 PM
wampum-chorus3$50.00$50.0012/1/2010 3:32:51 PM
hitsman$100.00$100.0012/1/2010 7:48:09 PM
julijask$35.00$35.0012/2/2010 2:10:01 AM
authentic-liberty7$25.00$25.0012/2/2010 3:16:55 AM
income-vault6$25.00$25.0012/1/2010 7:47:48 PM
raisingophelia$25.00$25.0012/1/2010 7:48:23 PM
brightest-supreme-dollar$50.00$50.0012/2/2010 9:33:56 AM
newest-generous-income$25.00$25.0012/2/2010 9:34:12 AM
enthusiastic-treasure$25.00$25.0012/2/2010 9:51:46 AM
hogdriver$50.00$50.0012/2/2010 5:03:26 PM
GATrust$50.00$50.0012/2/2010 5:03:34 PM
calkidd05$25.00$25.0012/2/2010 5:03:36 PM
oreyedoc$50.00$50.0012/2/2010 5:03:44 PM
rvtbike$100.00$100.0012/2/2010 5:03:56 PM
power-star$50.00$50.0012/2/2010 5:04:05 PM
CapStack$50.00$50.0012/2/2010 5:04:12 PM
hizzy$50.00$50.0012/2/2010 3:10:57 PM
wwwUniversal$25.00$25.0012/2/2010 5:13:24 PM
Greenbak$25.00$25.0012/2/2010 5:03:23 PM
gold-disk$50.00$50.0012/2/2010 5:03:27 PM
Sang1963$50.00$50.0012/2/2010 5:03:38 PM
tenacious-commitment6$25.00$25.0012/2/2010 5:04:06 PM
idealscene$25.00$25.0012/2/2010 5:03:32 PM
t2smoney$50.00$50.0012/2/2010 5:03:41 PM
marketplace-cello5$25.00$25.0012/2/2010 5:03:46 PM
proaz0119$25.00$25.0012/2/2010 5:03:50 PM
sn0wbunny$25.00$25.0012/2/2010 5:03:54 PM
shanedog$50.00$50.0012/2/2010 5:04:03 PM
LongTail$25.00$25.0012/2/2010 5:04:10 PM
forthright-principal2$25.00$25.0012/2/2010 5:10:12 PM
j2ee$25.00$25.0012/3/2010 8:34:58 AM
Cherrypicker$40.00$40.0012/3/2010 9:57:09 AM
1SteelerFan$30.00$30.0012/3/2010 3:41:45 PM
secureincome$2,000.00$2,000.0012/3/2010 5:08:43 PM
Spiv_51$25.00$25.0012/4/2010 6:00:17 AM
octoberfresh$25.00$25.0012/6/2010 6:39:06 AM
availableloan$25.00$25.0012/5/2010 4:08:15 PM
179 bids
 
Borrower Payment Dependent Notes Series 482961
This series of Notes was issued and sold upon the funding of the borrower loan #45846, 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-29-2010 
  Auction end date:  Dec-04-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $135.71
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2002 Debt/Income ratio: 25%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 13Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 40 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,064Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: safe-responsibility7 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
Cremation Costs :'(
Purpose of loan:
This loan will be used to? Pay cremation costs for my mother; she passed way unexpectedly and I do not have the money to pay, however in the state of Florida you have a legal obligation as the deceased's only family to take care of this. Not a good time!
My financial situation:
I am a good candidate for this loan because? I am not late?on anything, do not owe much money to many people, have less than $500 on credit cards and because I fully?intend to pay?this back by January, using my Christmas bonus and tax return.

Monthly net income: $ 3700

Monthly expenses: $
??Housing: $ 494
??Insurance: $ 201
??Car expenses: $ 480
??Utilities: $ 100
??Phone, cable, internet: $
??Food, entertainment: $ 150
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Thylow$25.00$25.0011/29/2010 3:07:36 PM
tech310$25.00$25.0011/29/2010 3:23:04 PM
money-bauble$25.00$25.0011/29/2010 3:32:57 PM
economy-synapse$25.00$25.0011/30/2010 10:35:20 PM
kulender$50.00$50.0012/1/2010 5:44:48 AM
Artist_Blue$25.00$25.0012/1/2010 5:33:24 AM
epponomics101$100.00$100.0012/1/2010 12:05:00 PM
finance-prescription$34.96$34.9612/2/2010 2:56:53 AM
visionary-currency$25.00$25.0012/2/2010 8:28:38 AM
worthy-bid8$25.00$25.0012/1/2010 10:28:16 PM
green-capital-hornet$25.00$25.0012/2/2010 9:40:07 AM
reflective-rupee$150.00$150.0012/3/2010 8:19:03 AM
AF-Chief$35.00$35.0012/3/2010 11:18:52 AM
dedicated-transaction796$50.00$50.0012/3/2010 11:31:44 AM
ah-long$25.00$25.0012/3/2010 1:50:24 PM
contract-maracas$47.51$47.5112/3/2010 1:51:15 PM
giannyny$25.00$25.0012/3/2010 1:52:36 PM
gelidfrank$25.00$25.0012/3/2010 1:53:38 PM
honorable-yield$25.00$25.0012/3/2010 1:53:46 PM
IIP77$25.00$25.0012/3/2010 1:54:27 PM
flwah$25.00$25.0012/3/2010 11:30:48 AM
Rogelio48$30.00$30.0012/3/2010 1:59:16 PM
villagers$25.00$25.0012/3/2010 11:39:49 AM
restless-dime$25.00$25.0012/3/2010 2:28:48 PM
authoritative-capital$25.00$25.0012/3/2010 1:43:51 PM
inspiring-reward$58.19$58.1912/3/2010 1:50:31 PM
orangetrust$50.00$50.0012/3/2010 1:52:28 PM
dough-destiny$25.00$25.0012/3/2010 4:30:13 PM
zorg77$25.00$25.0012/3/2010 4:44:32 PM
data2360$50.00$50.0012/3/2010 2:32:13 PM
SolarMoonshine$50.00$50.0012/3/2010 5:41:27 PM
newest-funds-powerplant$25.00$25.0012/3/2010 7:29:32 PM
boo_hoo$50.00$50.0012/3/2010 8:11:57 PM
banker65010$25.00$25.0012/3/2010 4:30:08 PM
bluehen00$75.00$75.0012/3/2010 7:20:52 PM
Thylow$25.00$25.0011/29/2010 3:06:23 PM
graceful-investment$50.00$50.0011/29/2010 3:01:10 PM
ASR3$25.00$25.0011/29/2010 3:27:30 PM
alexgalt$100.00$100.0011/29/2010 3:28:45 PM
reflective-rupee$150.00$150.0011/30/2010 10:33:54 AM
nybanker85$25.00$25.0011/30/2010 2:28:51 PM
agiovasil$25.00$25.0012/1/2010 2:51:10 AM
Redmond$25.00$25.0012/1/2010 2:01:42 PM
Bookophile$50.00$50.0012/1/2010 2:59:32 PM
reward-adventure$50.00$50.0012/1/2010 6:02:44 PM
Comoparklender$25.00$25.0012/1/2010 3:56:30 PM
direct-social3$50.00$50.0012/1/2010 6:00:30 PM
alexgalt$25.00$25.0012/1/2010 10:12:15 PM
wampum-launcher0$25.00$25.0012/2/2010 9:35:37 AM
well-mannered-income3$30.00$30.0012/2/2010 6:47:50 PM
shepherd1$50.00$50.0012/2/2010 6:54:17 PM
copper$50.00$50.0012/3/2010 10:41:58 AM
dcap3$25.00$25.0012/3/2010 11:31:31 AM
Investoman$25.00$25.0012/3/2010 1:54:19 PM
master648$30.36$30.3612/3/2010 1:16:46 PM
jwjazzco$25.00$25.0012/3/2010 1:52:19 PM
helpishere777$25.00$25.0012/3/2010 1:56:51 PM
unger$150.00$150.0012/3/2010 12:55:05 PM
lucrative-transparency0$25.00$25.0012/3/2010 1:52:02 PM
doncm$50.00$50.0012/3/2010 1:52:33 PM
Aleut$25.00$25.0012/3/2010 1:54:02 PM
famous-bill$25.00$25.0012/3/2010 1:54:25 PM
dsnybnd$25.00$25.0012/3/2010 1:55:10 PM
haplender$50.00$5.2712/3/2010 4:30:34 PM
swoosh$25.00$25.0012/3/2010 4:30:14 PM
dudebrah$25.00$25.0012/3/2010 2:29:56 PM
LenderRob07$200.00$200.0012/3/2010 6:23:11 PM
rubylender$25.00$25.0012/3/2010 4:30:31 PM
thomas16882004$28.50$28.5012/3/2010 4:41:26 PM
fund-javelin1$25.00$25.0012/4/2010 3:15:51 AM
q4golf$25.21$25.2112/4/2010 4:05:12 AM
alexgalt$25.00$25.0012/4/2010 1:40:22 AM
MilitaryLending$25.00$25.0012/3/2010 5:42:38 PM
kendigme$25.00$25.0012/4/2010 5:19:57 AM
74 bids
 
Borrower Payment Dependent Notes Series 483839
This series of Notes was issued and sold upon the funding of the borrower loan #45811, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,800.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-12-2010 
  Auction end date:  Nov-14-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $125.63
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $125.63
 
Auction yield range: 13.57% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1988 Debt/Income ratio: 18%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 5Length of status:26y 11m
Amount delinquent: $56,743 Total credit lines: 60 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,032Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: mnman1 Borrower's state: Minnesota Borrower's group: BORROWERS - LARGEST 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 historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2010)
640-659 (Apr-2010)
640-659 (Feb-2010)
660-679 (Jul-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
paying off higher rate bills
Purpose of loan:
This loan will be used to? Pay off higher interest debt.

My financial situation:
I am a good candidate for this loan because? I am not late on any revolving debt payments ever.

Monthly net income: $ 3800

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $
??Phone, cable, internet: $ 60
??Food, entertainment: $?450
??Clothing, household expenses $
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
money-bauble$25.00$25.0011/12/2010 2:52:17 PM
6moonbeams$50.00$50.0011/12/2010 3:00:42 PM
finance-mushroom$100.00$100.0011/12/2010 2:59:59 PM
bid-czar8$50.00$50.0011/12/2010 3:05:07 PM
valiant-liberty4$25.00$25.0011/12/2010 3:13:31 PM
direct-social3$50.00$50.0011/12/2010 3:15:37 PM
selector568$100.00$100.0011/12/2010 3:21:18 PM
kulender$50.00$50.0011/12/2010 3:14:41 PM
loyalist1$50.00$50.0011/12/2010 3:14:48 PM
bulsa$100.00$100.0011/12/2010 3:17:04 PM
reflective-rupee$44.00$44.0011/12/2010 3:33:11 PM
SolarMoonshine$25.00$25.0011/12/2010 6:13:16 PM
brother_tam$50.00$50.0011/13/2010 12:37:53 AM
371millwood$100.00$100.0011/13/2010 7:43:57 AM
forthright-dedication$25.00$25.0011/13/2010 2:41:18 PM
bobnewt$100.00$100.0011/14/2010 4:15:10 PM
profitable-money$25.00$25.0011/14/2010 6:42:31 PM
blitzen40$25.00$25.0011/12/2010 3:01:02 PM
alexgalt$100.00$100.0011/12/2010 3:10:44 PM
Comoparklender$25.00$25.0011/12/2010 3:07:18 PM
Kaj$25.00$25.0011/12/2010 3:12:26 PM
simplelender80$200.00$200.0011/12/2010 3:09:24 PM
velocity-solo$25.00$25.0011/12/2010 3:11:11 PM
radiant-loan5$200.00$200.0011/12/2010 3:15:16 PM
108lender$84.03$84.0311/12/2010 3:13:23 PM
ingenious-deal6$25.00$25.0011/13/2010 9:34:09 PM
orderly-leverage$100.00$66.9811/14/2010 1:29:29 AM
Aberdeen$999.99$999.9911/14/2010 11:35:12 AM
lender12345$25.00$25.0011/14/2010 1:35:16 PM
greenback-boss296$30.00$30.0011/14/2010 1:45:38 PM
30 bids
 
Borrower Payment Dependent Notes Series 485365
This series of Notes was issued and sold upon the funding of the borrower loan #45816, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-22-2010 
  Auction end date:  Nov-29-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $519.25
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $519.25
 
Auction yield range: 5.57% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1994 Debt/Income ratio: 18%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:8y 2m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,892Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: pious-community5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my dad's debts
Purpose of loan:
This loan will be used to? pay off the debt my dad incurred trying to keep his house and 20 acres.? He borrowed $15,000 from a very close family friend and I didn't find out about it until after he died.? It's important to me to be sure that everyone who helped my dad in his time of need, gets paid back.?

My financial situation:
I am a good candidate for this loan because? I manage my money and my debts very carefully and responsibly.? My reputation and my credit history are both very important to me and I work diligently to keep them clean and "above reproach".? I've downsized my living?situation this past year after my dad died so that I'd be in a better position to pay off his debt more quickly.? It's been a bit of a sacrifice but I am happy to slowly work at it and see it go down.??

Monthly net income: $ 5000.00

Monthly expenses: $ 3,280
??Housing: $ 900 including utilities
??Insurance: $ 80
??Car expenses: $?50????
??Utilities: $?0 see housing
??Phone, cable, internet: $ 0 see housing
??Food, entertainment: $?500????
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1000
??Other expenses: $ 250
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: Where does the other $40K of your income come from?? - cclady
A: My monthly net income is $5000, but my monthly gross income is approximately $8500. The differential you're seeing from my annual salary and my monthly net income is because of what is taken out in taxes and in retirement contributions. Please let me know if you need more info. Thanks for considering this loan! (Nov-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
finance_mba$25.00$25.0011/22/2010 10:35:26 AM
ray1051$50.00$50.0011/22/2010 10:38:21 AM
investment-comet$25.00$25.0011/22/2010 10:44:17 AM
indomitable-coin$50.00$50.0011/22/2010 10:34:59 AM
bid-czar8$100.00$100.0011/22/2010 10:40:12 AM
simplelender80$250.00$250.0011/22/2010 11:26:31 AM
skuba$25.00$25.0011/22/2010 11:04:57 AM
proper-commitment5$25.00$25.0011/22/2010 10:49:43 AM
ASR3$25.00$25.0011/22/2010 10:53:50 AM
melodious-fairness$50.00$50.0011/22/2010 11:45:49 AM
enthralling-deal180$50.00$50.0011/22/2010 11:27:06 AM
organized-payment6$25.00$25.0011/22/2010 12:42:52 PM
schpere$200.00$200.0011/22/2010 4:33:47 PM
reflective-rupee$200.00$200.0011/22/2010 3:06:38 PM
hopeful-truth5$100.00$100.0011/22/2010 2:06:14 PM
atmaan$32.72$32.7211/22/2010 4:49:22 PM
danthemon35$25.00$25.0011/22/2010 5:31:08 PM
agwosdof$100.00$100.0011/22/2010 5:05:44 PM
kchen486$50.00$50.0011/22/2010 5:06:01 PM
lender281$25.00$25.0011/22/2010 5:07:25 PM
balanced-bill7$50.00$50.0011/22/2010 5:39:38 PM
mla$25.00$25.0011/22/2010 6:43:59 PM
vegibenz$25.00$25.0011/23/2010 2:04:55 AM
finance-mushroom$100.00$100.0011/22/2010 7:02:29 PM
rbotterbLLC$25.00$25.0011/22/2010 9:59:51 PM
commerce-web5$41.44$41.4411/22/2010 6:48:50 PM
teller$50.00$50.0011/23/2010 7:15:35 AM
authentic-liberty7$50.00$50.0011/23/2010 7:10:14 AM
helpinghand63$50.00$50.0011/23/2010 10:40:50 AM
money-bauble$25.00$25.0011/23/2010 10:18:32 AM
riproaringrapids$25.00$25.0011/23/2010 10:40:49 AM
srilm$25.00$25.0011/23/2010 10:40:55 AM
inspiring-reward$25.00$25.0011/23/2010 10:40:59 AM
jdwillcox$100.00$100.0011/23/2010 12:52:47 PM
Dutchhunter$50.00$50.0011/23/2010 10:40:53 AM
Pulchritudinous$25.00$25.0011/23/2010 11:55:25 AM
WLenders$50.00$50.0011/23/2010 11:32:42 AM
museic1$25.00$25.0011/23/2010 12:52:23 PM
the-profit-oracle$25.00$25.0011/23/2010 4:48:43 PM
careful-note$100.00$100.0011/23/2010 8:23:11 PM
community-pipeline8$25.00$25.0011/24/2010 8:49:45 AM
bazaar-festivity$25.00$25.0011/24/2010 11:26:03 AM
MedLend$50.00$50.0011/24/2010 12:09:01 PM
benefit-piano5$25.00$25.0011/24/2010 4:10:25 PM
integrity-cowbell$30.00$30.0011/25/2010 4:26:17 AM
Webpreneur$50.00$50.0011/25/2010 2:25:56 AM
Sol_Invictus$25.00$25.0011/25/2010 1:42:10 PM
Rick21$50.00$50.0011/25/2010 12:23:03 PM
responsibility-butterfly$25.00$25.0011/25/2010 3:50:10 PM
Mariner3605$100.00$100.0011/26/2010 1:50:07 AM
B-rad_the_Coug$25.00$25.0011/26/2010 1:58:42 AM
reward-motion$50.00$50.0011/26/2010 4:37:52 AM
important-ore$75.00$75.0011/26/2010 12:37:31 AM
radforj22$25.00$25.0011/26/2010 6:29:00 AM
greenback-guard$25.00$25.0011/26/2010 9:08:56 AM
zebra806$100.00$100.0011/26/2010 8:30:40 AM
il_guru$50.00$50.0011/26/2010 9:15:15 AM
the-kinetic-nickel$25.00$25.0011/26/2010 9:33:40 AM
jubilant-fund6$25.00$25.0011/26/2010 9:34:01 AM
coin-sphinx4$50.00$50.0011/26/2010 9:34:14 AM
liquidbread11$25.00$25.0011/26/2010 9:35:08 AM
income-vault6$25.00$25.0011/26/2010 9:36:07 AM
credit-observatory$25.00$25.0011/26/2010 9:52:40 AM
Bothus$75.00$75.0011/26/2010 10:56:20 AM
j2ee$25.00$25.0011/26/2010 10:41:06 AM
MarinLoans$25.00$25.0011/26/2010 12:01:43 PM
efficient-marketplace$50.00$50.0011/26/2010 11:23:24 AM
angelinvestor2$50.00$50.0011/26/2010 11:50:21 AM
rautility$50.00$50.0011/26/2010 11:51:00 AM
gracej$25.00$25.0011/26/2010 12:41:17 PM
PCash$25.00$25.0011/26/2010 12:23:37 PM
LiveNow$25.00$25.0011/26/2010 12:42:23 PM
DementiaAddict$30.00$30.0011/26/2010 12:47:58 PM
Loansforlife$25.00$25.0011/26/2010 12:41:27 PM
kc8fot$50.00$50.0011/26/2010 1:11:27 PM
life-is-great$50.00$50.0011/26/2010 1:49:22 PM
ivadood$100.00$100.0011/26/2010 1:49:51 PM
4est$25.00$25.0011/26/2010 1:52:51 PM
yield-enlistment$25.00$25.0011/26/2010 4:22:51 PM
trade-boots1$100.00$100.0011/26/2010 5:28:12 PM
Chris88ace$50.00$50.0011/26/2010 5:54:27 PM
peace-maximizer8$25.00$25.0011/26/2010 7:08:37 PM
emphatic-deal5$40.00$40.0011/26/2010 8:02:52 PM
squarebob$50.00$50.0011/26/2010 9:37:21 PM
squarebob$50.00$50.0011/26/2010 9:36:59 PM
squarebob$100.00$100.0011/26/2010 9:38:13 PM
LesPaul1$25.00$25.0011/27/2010 1:27:23 AM
wayman$50.00$50.0011/27/2010 10:57:59 AM
Oakland$50.00$50.0011/27/2010 7:50:00 AM
bonafide-cash$50.00$50.0011/27/2010 3:53:02 PM
encore739$25.00$25.0011/27/2010 5:42:14 PM
tsui517$25.00$25.0011/28/2010 1:07:58 AM
the-enterprising-leverage$25.00$25.0011/27/2010 11:14:27 PM
blissful-note7$50.00$50.0011/27/2010 7:49:09 PM
Sam65$25.00$25.0011/27/2010 8:38:56 PM
commerce-yeller$50.00$50.0011/28/2010 11:32:56 AM
missing-link$50.00$50.0011/28/2010 1:39:02 PM
rudyindc$25.00$25.0011/28/2010 7:07:56 AM
calkidd05$25.00$25.0011/28/2010 4:32:41 PM
hanuman77$50.00$50.0011/29/2010 7:37:45 AM
durable-investment8$25.00$25.0011/29/2010 6:53:16 AM
grampy48$50.00$50.0011/29/2010 7:29:06 AM
rdrloan$50.00$50.0011/29/2010 9:04:19 AM
kaleinoue$25.00$25.0011/29/2010 9:17:55 AM
reflective-rupee$200.00$23.2011/29/2010 10:29:22 AM
open-dough6$50.00$50.0011/29/2010 10:23:01 AM
KileNSmyth4$25.00$25.0011/29/2010 9:40:44 AM
bazaar-utensil7$50.00$50.0011/29/2010 9:44:05 AM
ichibon$150.00$150.0011/22/2010 10:41:12 AM
nickel-ferret$50.00$50.0011/22/2010 10:54:34 AM
platinum-celebration4$25.00$25.0011/22/2010 10:46:58 AM
tolerant-dinero2$25.00$25.0011/22/2010 10:37:49 AM
raisingophelia$25.00$25.0011/22/2010 10:38:40 AM
AFairDeal$50.00$50.0011/22/2010 10:54:55 AM
jazzlender$25.00$25.0011/22/2010 10:41:43 AM
tech310$50.00$50.0011/22/2010 10:46:23 AM
worthy-bid8$50.00$50.0011/22/2010 11:05:26 AM
Ripsaw4U$50.00$50.0011/22/2010 11:29:27 AM
selector568$200.00$200.0011/22/2010 11:23:37 AM
dunox$50.00$50.0011/22/2010 11:35:26 AM
californiakhan$25.00$25.0011/22/2010 2:05:56 PM
GElender$100.00$100.0011/22/2010 3:44:15 PM
Artist_Blue$25.00$25.0011/22/2010 5:21:00 PM
JustMee$25.00$25.0011/22/2010 5:56:43 PM
paymentologist$25.00$25.0011/22/2010 5:07:13 PM
hitsman$100.00$100.0011/22/2010 5:46:23 PM
powerful-finance7$25.00$25.0011/22/2010 10:18:37 PM
worldly-community3$50.00$50.0011/22/2010 5:40:04 PM
maldok1$25.00$25.0011/22/2010 6:49:23 PM
vigorous-velocity$100.00$100.0011/22/2010 7:02:44 PM
a-special-power$25.00$25.0011/22/2010 6:27:03 PM
reaction5$25.00$25.0011/23/2010 6:24:17 AM
kanemochi$25.00$25.0011/23/2010 8:33:15 AM
kulender$50.00$50.0011/23/2010 6:40:02 AM
objective-investor$150.00$150.0011/23/2010 10:42:03 AM
kublai$100.00$100.0011/23/2010 10:42:27 AM
understanding-affluence5$30.00$30.0011/23/2010 9:44:48 AM
triumph329$50.00$50.0011/23/2010 11:44:41 AM
fmvaulter$25.00$25.0011/23/2010 10:41:55 AM
FinDoc$30.00$30.0011/23/2010 10:32:09 AM
handshake5$35.30$35.3011/23/2010 11:41:54 AM
shrewd-deal$25.00$25.0011/23/2010 11:32:40 AM
icchok$50.00$50.0011/23/2010 11:40:39 AM
gentle-coin$25.00$25.0011/23/2010 11:53:45 AM
moola-pillow$25.00$25.0011/23/2010 7:01:09 PM
SBT$25.00$25.0011/23/2010 6:08:07 PM
happy-loyalty$25.00$25.0011/24/2010 5:56:17 AM
stolirocks01$50.00$50.0011/24/2010 6:10:02 AM
jjswanso$50.00$50.0011/24/2010 6:03:49 AM
finance-prescription$100.00$100.0011/24/2010 7:52:03 AM
graceful-investment$100.00$100.0011/24/2010 10:03:41 AM
newest-funds-powerplant$75.00$75.0011/24/2010 3:25:28 PM
108lender$81.42$81.4211/25/2010 4:36:59 AM
loyalist1$100.00$100.0011/25/2010 8:47:52 AM
urbane-dollar4$50.00$50.0011/25/2010 2:40:31 PM
Steveoo1$25.00$25.0011/25/2010 2:40:26 PM
orderly-leverage$50.00$50.0011/25/2010 2:40:45 PM
upright-commitment5$25.00$25.0011/25/2010 3:52:53 PM
harperpotok$50.00$50.0011/25/2010 3:52:50 PM
stuy1998$30.00$30.0011/25/2010 5:55:05 PM
AK49-JW$25.00$25.0011/25/2010 8:12:44 PM
Approved1234$25.00$25.0011/26/2010 6:28:31 AM
AlexTrep$25.00$25.0011/26/2010 7:22:56 AM
CaptainBlueberry$25.00$25.0011/26/2010 6:28:09 AM
yield-museum$75.00$75.0011/26/2010 7:36:32 AM
bold-durability-drum$50.00$50.0011/26/2010 8:04:07 AM
cablenews$50.00$50.0011/26/2010 8:53:31 AM
nybanker85$50.00$50.0011/26/2010 8:53:46 AM
p2ploan-axis$25.00$25.0011/26/2010 9:34:46 AM
Supermodeler$500.00$500.0011/26/2010 9:12:19 AM
suges$50.00$50.0011/26/2010 9:34:33 AM
bazaar-secret-agent6$50.00$50.0011/26/2010 11:20:18 AM
velocity-solo$25.00$25.0011/26/2010 10:42:52 AM
MarkVSchwartz$50.00$50.0011/26/2010 11:50:41 AM
epall$25.00$25.0011/26/2010 11:55:18 AM
blue-relay$25.00$25.0011/26/2010 2:25:28 PM
The_Lending_Muscle$25.00$25.0011/26/2010 1:54:22 PM
friendinmoney$35.00$35.0011/26/2010 2:13:04 PM
wrighco$25.00$25.0011/26/2010 4:05:01 PM
nycfinance$25.00$25.0011/26/2010 6:33:36 PM
MrBailey$25.00$25.0011/26/2010 6:33:55 PM
duty-windmill$25.00$25.0011/26/2010 9:03:43 PM
friendinmoney$25.00$25.0011/26/2010 9:00:06 PM
bonanza1973$50.00$50.0011/26/2010 10:00:36 PM
ddog0224$25.00$25.0011/26/2010 9:38:15 PM
Dr_Starchildren$25.00$25.0011/26/2010 9:05:36 PM
tough-income4$25.00$25.0011/26/2010 10:02:52 PM
cclady$50.00$50.0011/27/2010 8:49:06 AM
ducati777$50.00$50.0011/27/2010 7:19:33 AM
Bank42$50.00$50.0011/27/2010 7:59:58 AM
promise2$25.00$25.0011/27/2010 11:38:02 PM
PRGuyinVA$50.00$50.0011/27/2010 9:26:00 PM
alaco$25.00$25.0011/27/2010 10:10:24 PM
credit-bliss8$25.00$25.0011/27/2010 7:19:34 PM
Headhunter14$25.00$25.0011/28/2010 5:23:27 AM
benefit-crescendo$25.00$25.0011/28/2010 9:47:48 AM
unassassinable$25.00$25.0011/28/2010 1:41:25 PM
the-silver-blaster$50.00$50.0011/28/2010 3:26:55 PM
first-upright-payout$25.00$25.0011/28/2010 2:53:25 PM
dermit$25.00$25.0011/29/2010 4:21:44 AM
greenback-museum$25.00$25.0011/29/2010 5:07:55 AM
moneysong$500.00$500.0011/28/2010 4:58:10 PM
friendinmoney$25.92$25.9211/28/2010 8:15:16 PM
gain-gourd$100.00$100.0011/28/2010 8:35:28 PM
unshaken-kingdom$25.00$25.0011/29/2010 9:17:56 AM
LibbyZ$50.00$50.0011/28/2010 9:35:35 PM
friendinmoney$50.00$50.0011/29/2010 7:55:04 AM
SajDiddy$50.00$50.0011/29/2010 8:17:56 AM
Tradesmanlender$35.00$35.0011/29/2010 9:42:45 AM
efficient-treasure0$25.00$25.0011/29/2010 6:28:17 AM
blue-velocity-investor$25.00$25.0011/29/2010 6:53:01 AM
income-mushroom$50.00$50.0011/29/2010 9:38:23 AM
lostontheedge$25.00$25.0011/29/2010 9:42:33 AM
lamsabuy$4,200.00$4,200.0011/29/2010 10:28:57 AM
TeamAmerica$25.00$25.0011/29/2010 9:43:06 AM
sumac5$50.00$50.0011/29/2010 10:20:30 AM
216 bids
 
Borrower Payment Dependent Notes Series 485491
This series of Notes was issued and sold upon the funding of the borrower loan #45829, 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: 36 months Estimated loss: 1.55% Auction start date:  Nov-23-2010 
  Auction end date:  Nov-30-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $31.34
Final lender yield: 5.35% Final borrower rate/APR: 6.35% / 6.69% Final monthly payment: $30.58
 
Auction yield range: 2.57% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 3.80%  
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: Jun-1998 Debt/Income ratio: 3%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 9 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,852Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: magical-gold0 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off an unexpected expense
Purpose of loan:
This loan will be used to?pay off an unexpected bill that came from an?identity theft situation. I?am asked to pay the money now. I would like more than anything to get this paid?quickly and be able to move on with my life. ?

My financial situation:
I am a good candidate for this loan because? I have a great credit history and pride myself of that. I am responsible and hold?a full time demanding job.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tolerant-dinero2$25.00$25.0011/23/2010 3:05:41 PM
exchange-squirrel$25.00$25.0011/23/2010 11:12:09 PM
calimanusa$25.00$25.0011/24/2010 4:35:12 PM
rome1426$25.00$25.0011/26/2010 9:17:48 AM
TomDalonajay$25.00$25.0011/26/2010 9:33:20 AM
mozzarella$25.00$25.0011/26/2010 5:16:32 PM
-thisguy-$25.00$25.0011/27/2010 7:14:41 PM
dma1206$25.00$25.0011/28/2010 1:52:35 PM
nav1elt$25.00$25.0011/28/2010 6:07:41 AM
Ristefo$25.00$25.0011/29/2010 6:22:53 PM
PA2LA$25.00$25.0011/30/2010 1:31:03 AM
TigerForce$25.00$25.0011/30/2010 7:38:41 AM
FundMaker$26.00$26.0011/30/2010 8:54:36 AM
steady-funds3$26.00$26.0011/30/2010 11:09:21 AM
attractive-point5$50.00$50.0011/30/2010 10:13:49 AM
selector568$250.00$250.0011/23/2010 2:44:09 PM
HealthAndSafety$100.00$100.0011/24/2010 9:24:47 AM
BigSurf$27.59$8.7211/26/2010 12:44:40 PM
kingfish66$111.13$111.1311/26/2010 6:55:58 PM
outofoffice$50.00$50.0011/29/2010 9:01:37 AM
RiskManiac$25.00$25.0011/29/2010 5:25:20 AM
JerryB96$25.00$25.0011/30/2010 8:40:47 AM
sinner_c5$28.15$28.1511/30/2010 9:24:30 AM
23 bids
 
Borrower Payment Dependent Notes Series 485525
This series of Notes was issued and sold upon the funding of the borrower loan #45820, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30% Auction start date:  Nov-24-2010 
  Auction end date:  Nov-29-2010 
 
Starting lender yield: 6.65% Starting borrower rate/APR: 7.65% / 7.99% Starting monthly payment: $374.10
Final lender yield: 6.65% Final borrower rate/APR: 7.65% / 7.99% Final monthly payment: $374.10
 
Auction yield range: 2.57% - 6.65% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1994 Debt/Income ratio: 18%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,193Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: archimonde Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 24 ( 100% ) 780-799 (Latest)
Principal borrowed: $19,000.00< 31 days late: 0 ( 0% )  
800-819 (Dec-2009)
800-819 (Aug-2007)
 
Principal balance: $0.79 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit card debt.? Also, I will need to fund educational expenses for my wife.

My financial situation:
I am a good candidate for this loan because I have a good credit history, a stable job, and have good track record on prosper paying off previous loans.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
conductor146$25.00$25.0011/24/2010 2:17:42 PM
money-bauble$100.00$100.0011/24/2010 2:19:11 PM
fishtale$25.00$25.0011/24/2010 2:19:15 PM
sjlender$50.00$50.0011/24/2010 2:22:17 PM
money-surge1$25.00$25.0011/24/2010 2:22:36 PM
Mantis75$25.00$25.0011/24/2010 2:22:44 PM
unclejaef$25.00$25.0011/24/2010 2:22:57 PM
MarinLoans$25.00$25.0011/24/2010 2:23:08 PM
jazzlender$50.00$50.0011/24/2010 2:23:22 PM
balance-voyager$57.29$57.2911/24/2010 2:23:45 PM
OldFriend$25.00$25.0011/24/2010 2:23:51 PM
forrestgump$50.00$50.0011/24/2010 2:23:57 PM
bds9646$26.00$26.0011/24/2010 2:24:03 PM
diablorulz$50.00$50.0011/24/2010 2:24:12 PM
best-ingenious-funds$25.00$25.0011/24/2010 2:24:54 PM
organized-payment6$50.00$50.0011/24/2010 2:25:12 PM
bigballer105$100.00$100.0011/24/2010 2:25:24 PM
blot44$25.00$25.0011/24/2010 2:25:32 PM
afotherg$75.00$75.0011/24/2010 2:25:55 PM
MM1207$25.00$25.0011/24/2010 2:26:04 PM
newest-sensible-hope$50.00$50.0011/24/2010 2:26:50 PM
ThomasC$50.00$50.0011/24/2010 2:27:07 PM
respectablename$50.00$50.0011/24/2010 2:27:30 PM
Tlk2drew$50.00$50.0011/24/2010 2:27:42 PM
Ripsaw4U$75.00$75.0011/24/2010 2:22:05 PM
DonaldColorado$100.00$100.0011/24/2010 2:22:21 PM
elasermd$50.00$50.0011/24/2010 2:22:34 PM
perlindc$100.00$100.0011/24/2010 2:22:41 PM
tolerant-dinero2$25.00$25.0011/24/2010 2:22:46 PM
snowman34$25.00$25.0011/24/2010 2:22:54 PM
bowdish1$100.00$100.0011/24/2010 2:23:05 PM
slartibardfast$30.00$30.0011/24/2010 2:29:23 PM
Jassi$25.00$25.0011/24/2010 2:23:15 PM
ommcd$25.00$25.0011/24/2010 2:23:36 PM
NycDean$25.00$25.0011/24/2010 2:23:39 PM
Emgolda$25.00$25.0011/24/2010 2:23:50 PM
upright-commitment5$50.00$50.0011/24/2010 2:30:30 PM
PThor$25.00$25.0011/24/2010 2:24:49 PM
bruin558$50.00$50.0011/24/2010 2:30:47 PM
capital-web7$50.00$50.0011/24/2010 2:19:09 PM
meux99$100.00$100.0011/24/2010 2:25:38 PM
Avala$100.00$100.0011/24/2010 2:19:19 PM
commerce-voyager$25.00$25.0011/24/2010 2:19:23 PM
tech310$50.00$50.0011/24/2010 2:19:25 PM
vigorous-velocity$100.00$100.0011/24/2010 2:26:18 PM
Binan$25.00$25.0011/24/2010 2:26:57 PM
seabass123$25.00$25.0011/24/2010 2:27:03 PM
wjf60$50.00$50.0011/24/2010 2:20:28 PM
selector568$300.00$300.0011/24/2010 2:21:03 PM
capital-futurist$50.00$50.0011/24/2010 2:27:44 PM
Pulchritudinous$25.00$25.0011/24/2010 2:28:05 PM
nickel-ferret$50.00$50.0011/24/2010 2:22:27 PM
Steveoo1$50.00$50.0011/24/2010 2:23:19 PM
SDNLR$25.00$25.0011/24/2010 2:23:29 PM
murren$25.00$25.0011/24/2010 2:23:48 PM
financelover$50.00$50.0011/24/2010 2:25:02 PM
BuckeyeBanker$50.00$50.0011/24/2010 2:25:10 PM
dma1206$25.00$25.0011/24/2010 2:25:58 PM
a-responsible-return$50.00$50.0011/24/2010 2:26:08 PM
indomitable-coin$50.00$50.0011/24/2010 2:26:53 PM
ichibon$150.00$150.0011/24/2010 2:28:25 PM
exchange-pledge$50.00$50.0011/24/2010 2:30:33 PM
MiniBank998$25.00$25.0011/24/2010 6:39:19 PM
trident9$50.00$50.0011/24/2010 6:39:53 PM
SilverRain$25.00$25.0011/24/2010 6:48:43 PM
Mr_Marcus$50.00$50.0011/24/2010 6:48:50 PM
Fearless_Lender$25.00$25.0011/24/2010 6:51:48 PM
balance2$25.00$25.0011/24/2010 6:52:29 PM
chillware$25.00$25.0011/24/2010 6:48:52 PM
flopcat$25.00$25.0011/24/2010 6:52:08 PM
Swabjockey$25.00$25.0011/24/2010 6:39:55 PM
cubesteak$25.00$25.0011/24/2010 6:41:11 PM
phillipd48$25.00$25.0011/24/2010 6:49:10 PM
DavenportCapital$25.00$25.0011/24/2010 6:50:25 PM
awwaww$25.00$25.0011/24/2010 6:50:48 PM
authoritative-capital$25.00$25.0011/24/2010 6:51:03 PM
jjb3$25.00$25.0011/24/2010 6:51:45 PM
integrity-palace1$25.00$25.0011/24/2010 11:11:56 PM
macgeek$33.59$33.5911/25/2010 7:13:45 AM
ashik$25.00$25.0011/24/2010 8:37:48 PM
JGB$27.00$27.0011/25/2010 1:12:48 AM
MoneyForNothing$48.60$48.6011/25/2010 1:22:42 AM
lifegrowth$25.00$25.0011/25/2010 4:49:39 AM
loan-kung-fu$200.00$200.0011/25/2010 7:27:47 AM
safe-finance$25.00$25.0011/25/2010 2:17:44 PM
worlds-best-auction$50.00$50.0011/25/2010 2:17:43 PM
Soothsayer$25.00$25.0011/25/2010 2:18:04 PM
hopeful-point$50.00$50.0011/25/2010 4:13:02 PM
Georgia_Boy$50.00$50.0011/25/2010 8:37:41 PM
108lender$138.53$138.5311/25/2010 2:44:29 PM
knothead$25.00$25.0011/25/2010 3:48:36 PM
cloud8$35.35$35.3511/25/2010 3:49:53 PM
stuy1998$30.00$30.0011/25/2010 5:55:20 PM
JandJ-Bank$35.04$35.0411/26/2010 4:57:39 AM
zhiguli$25.00$25.0011/26/2010 6:28:03 AM
Dreamconnection$35.04$35.0411/26/2010 6:57:38 AM
diicali$25.00$25.0011/26/2010 8:34:15 AM
TrustOne$25.00$25.0011/26/2010 7:48:27 AM
get30inc$31.42$31.4211/26/2010 8:35:12 AM
thezfunk$25.00$25.0011/26/2010 8:33:27 AM
Ariesian1$50.00$50.0011/26/2010 8:35:33 AM
CBO-Enterprise$100.00$100.0011/26/2010 9:34:20 AM
SkiNZ$25.00$25.0011/26/2010 9:47:55 AM
tenacious-payout$25.00$25.0011/26/2010 9:52:59 AM
j2ee$25.00$25.0011/26/2010 10:34:54 AM
conaty$50.00$50.0011/26/2010 10:43:04 AM
Carpetkid$43.08$43.0811/26/2010 10:52:47 AM
UnlimitedLoans$25.00$25.0011/26/2010 10:57:42 AM
TruckerGuy$25.00$25.0011/26/2010 11:04:21 AM
PCash$25.00$25.0011/26/2010 12:18:01 PM
Whitewater_Loans$75.00$75.0011/26/2010 12:32:39 PM
squarebob$25.00$25.0011/26/2010 12:48:12 PM
morlocx$25.00$25.0011/26/2010 1:17:02 PM
adir1$50.00$50.0011/26/2010 1:24:16 PM
setUup$150.00$150.0011/26/2010 7:07:20 PM
MoneyTree79$25.00$25.0011/27/2010 5:43:40 PM
GINKO$400.00$400.0011/28/2010 9:06:33 PM
bradny$25.00$25.0011/28/2010 2:51:13 PM
grampy48$30.00$30.0011/28/2010 5:37:28 PM
Iamatlast$50.00$50.0011/29/2010 5:22:33 AM
outofoffice$50.00$50.0011/29/2010 9:03:06 AM
radforj22$25.00$25.0011/24/2010 2:18:17 PM
generous-deal6$50.00$50.0011/24/2010 2:19:21 PM
helpishere777$25.00$25.0011/24/2010 2:22:12 PM
chekat$25.00$25.0011/24/2010 2:22:51 PM
psa1995$50.00$50.0011/24/2010 2:23:18 PM
flypenguin$50.00$50.0011/24/2010 2:23:28 PM
ahansen$50.00$50.0011/24/2010 2:23:32 PM
schpere$100.00$100.0011/24/2010 2:17:51 PM
figs4u2$100.00$100.0011/24/2010 2:24:14 PM
C_Mark$50.00$50.0011/24/2010 2:24:19 PM
FlexFunding$100.00$100.0011/24/2010 2:18:08 PM
innocent-deal$50.00$50.0011/24/2010 2:24:52 PM
DukSerduk$25.00$25.0011/24/2010 2:18:12 PM
vigilance-revolutionary$50.00$50.0011/24/2010 2:25:06 PM
kyomoon$50.00$50.0011/24/2010 2:25:19 PM
panegryst$50.00$50.0011/24/2010 2:25:22 PM
roadtruck$50.00$50.0011/24/2010 2:25:26 PM
chrisb1414$25.00$25.0011/24/2010 2:26:20 PM
Toby1montana$100.00$100.0011/24/2010 2:27:08 PM
Octavian315$35.00$35.0011/24/2010 2:27:33 PM
anti-wall-st$100.00$100.0011/24/2010 2:28:03 PM
justalender$25.00$25.0011/24/2010 2:28:11 PM
mjunlimited$50.00$50.0011/24/2010 2:22:06 PM
brightest-affluence-motivator$100.00$100.0011/24/2010 2:22:31 PM
fcukciti$25.00$25.0011/24/2010 2:29:35 PM
meenan$25.00$25.0011/24/2010 2:23:42 PM
Goodlender42$25.00$25.0011/24/2010 2:24:23 PM
gzeo$25.00$25.0011/24/2010 2:24:28 PM
skuba$100.00$100.0011/24/2010 2:24:34 PM
surfhoss644$35.50$35.5011/24/2010 2:30:27 PM
Cal07$25.00$25.0011/24/2010 2:24:42 PM
proper-commitment5$25.00$25.0011/24/2010 2:18:14 PM
Mariner3605$25.00$25.0011/24/2010 2:25:09 PM
Havana21$100.00$100.0011/24/2010 2:19:17 PM
value-pouch$50.00$50.0011/24/2010 2:27:00 PM
investment-network$25.00$25.0011/24/2010 2:20:21 PM
goldie414$50.00$50.0011/24/2010 2:27:24 PM
sngndnc$50.00$50.0011/24/2010 2:27:28 PM
truth-prospector$25.00$25.0011/24/2010 2:27:53 PM
dharma1$50.00$50.0011/24/2010 2:28:09 PM
Rivervale_Westwood$25.00$25.0011/24/2010 2:22:20 PM
forthright-dedication$25.00$25.0011/24/2010 2:22:59 PM
alpinaut$25.00$25.0011/24/2010 2:29:42 PM
auction-sage$50.00$50.0011/24/2010 2:23:10 PM
important-ore$100.00$100.0011/24/2010 2:24:46 PM
timepassport$25.00$25.0011/24/2010 2:30:53 PM
subtle-revenue0$25.00$25.0011/24/2010 2:25:46 PM
kirkjerk$25.00$25.0011/24/2010 2:26:00 PM
Curly-Girly$25.00$25.0011/24/2010 2:26:13 PM
Aberdeen$999.99$999.9911/24/2010 2:28:28 PM
benefit-piano5$25.00$25.0011/24/2010 2:29:20 PM
Artist_Blue$25.00$25.0011/24/2010 3:28:00 PM
VBAces$50.00$50.0011/24/2010 6:39:14 PM
kanakakm$50.00$50.0011/24/2010 6:40:21 PM
contract-festival7$25.00$25.0011/24/2010 6:39:12 PM
lloyd_s$25.00$25.0011/24/2010 4:14:08 PM
Yotaman$25.00$25.0011/24/2010 6:48:03 PM
snazzet$25.00$25.0011/24/2010 6:48:54 PM
RandomMonkey$25.00$25.0011/24/2010 10:24:11 PM
kt103099$25.00$25.0011/25/2010 12:44:57 AM
cash-merry-maker$25.00$25.0011/24/2010 6:51:19 PM
Pasagam$50.00$50.0011/24/2010 6:51:49 PM
credit-scout7$50.00$50.0011/24/2010 6:39:10 PM
hizzy$50.00$50.0011/24/2010 6:39:47 PM
asset-professor$25.00$25.0011/24/2010 6:40:25 PM
sappy02$40.00$40.0011/24/2010 6:41:27 PM
igwt47$25.00$25.0011/24/2010 6:48:41 PM
AoP$50.00$50.0011/24/2010 6:48:59 PM
jtrue71$25.00$25.0011/25/2010 12:59:24 AM
platinum-sorcerer6$25.00$25.0011/25/2010 1:14:31 AM
kenji4861$50.00$50.0011/25/2010 1:40:55 AM
supreme-hope$25.00$25.0011/25/2010 2:08:42 AM
CorporateT00l$50.00$50.0011/25/2010 7:17:57 AM
compoundinterest$50.00$50.0011/25/2010 11:37:54 AM
Bank_Of_XL$25.00$25.0011/25/2010 12:21:17 PM
kid8549$50.00$50.0011/25/2010 8:33:36 AM
Vreet$33.06$33.0611/25/2010 9:17:50 AM
payment-freshmaker$50.00$50.0011/25/2010 3:48:34 PM
ciccio70$25.00$25.0011/25/2010 3:49:28 PM
cello1$25.00$25.0011/25/2010 3:49:52 PM
jga516$25.00$25.0011/25/2010 3:50:03 PM
profitable-asset1$25.00$25.0011/25/2010 4:04:07 PM
IIP77$25.00$25.0011/25/2010 2:41:59 PM
neutrino6$25.00$25.0011/25/2010 2:43:43 PM
payout-reaction740$25.00$25.0011/25/2010 8:37:43 PM
verse99$25.00$25.0011/26/2010 12:07:54 AM
iflyforfun$25.00$25.0011/25/2010 3:49:36 PM
Exito$27.19$27.1911/25/2010 3:48:27 PM
Sam65$25.00$25.0011/25/2010 3:51:47 PM
Hesty$50.00$50.0011/25/2010 10:53:27 PM
jjswanso$50.00$50.0011/26/2010 12:52:43 AM
lender_100$25.00$25.0011/26/2010 2:52:54 AM
exact-gold2$50.00$50.0011/26/2010 5:08:30 AM
CaptainBlueberry$25.00$25.0011/26/2010 6:28:46 AM
wrighco$25.00$25.0011/26/2010 7:45:40 AM
SARMAR$25.00$25.0011/26/2010 7:05:31 AM
Simply2fly$25.00$25.0011/26/2010 8:10:50 AM
iLoaner$25.00$25.0011/26/2010 8:35:16 AM
cash4less$25.00$25.0011/26/2010 8:36:48 AM
integrity-brilliance$25.00$25.0011/26/2010 8:35:15 AM
teller$50.00$50.0011/26/2010 8:36:44 AM
bayareainv$50.00$50.0011/26/2010 8:36:53 AM
DeltaGambler$25.00$25.0011/26/2010 8:35:14 AM
pwkpwk$25.00$25.0011/26/2010 9:33:09 AM
DrMoneyBags$25.65$25.6511/26/2010 8:37:49 AM
treasure-gazer$25.00$25.0011/26/2010 10:02:53 AM
p2ploan-axis$25.00$25.0011/26/2010 9:34:56 AM
green-glowing-gain$25.00$25.0011/26/2010 9:33:25 AM
scottburger$50.00$50.0011/26/2010 10:18:44 AM
pragmatic-contract$50.00$50.0011/26/2010 11:04:20 AM
Joem311JE$34.22$34.2211/26/2010 10:38:08 AM
delicious-social132$50.00$50.0011/26/2010 10:40:43 AM
efficient-marketplace$50.00$50.0011/26/2010 11:23:11 AM
bonus-chosen-one$50.00$50.0011/26/2010 10:49:45 AM
righteousone$50.00$50.0011/26/2010 11:08:10 AM
currency-persimmon$25.00$25.0011/26/2010 12:00:43 PM
safe-payment8$25.00$25.0011/26/2010 11:04:18 AM
benefit-trident$25.00$25.0011/26/2010 12:32:21 PM
saihu$25.00$25.0011/26/2010 11:28:08 AM
karafire$75.00$75.0011/26/2010 11:58:42 AM
grc$39.22$39.2211/26/2010 12:02:38 PM
jts$25.00$25.0011/26/2010 12:32:46 PM
squarebob$25.00$25.0011/26/2010 12:48:29 PM
squarebob$25.00$25.0011/26/2010 12:49:09 PM
BigSurf$28.00$28.0011/26/2010 12:42:23 PM
squarebob$25.00$25.0011/26/2010 12:48:49 PM
kc8fot$50.00$11.2311/26/2010 1:25:03 PM
Dr_Starchildren$25.00$25.0011/26/2010 8:58:40 PM
samurai2$30.00$30.0011/27/2010 8:59:05 AM
TigerForce$25.00$25.0011/27/2010 8:00:00 AM
Cheburashka$35.00$35.0011/27/2010 8:35:05 PM
252 bids
 
Borrower Payment Dependent Notes Series 485587
This series of Notes was issued and sold upon the funding of the borrower loan #45725, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-24-2010 
  Auction end date:  Dec-01-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 33.20% / 36.88% Starting monthly payment: $221.12
Final lender yield: 31.20% Final borrower rate/APR: 33.20% / 36.88% Final monthly payment: $221.12
 
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): 6 First credit line: Nov-1999 Debt/Income ratio: 13%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 2Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: payment-utensil4 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
Lending money for school
Purpose of loan:
This loan will be used to?
Enroll in some online courses this winter and have a few extra dollars for the holiday season.
My financial situation:
I am a good candidate for this loan because? My credit is good, with no collections and every thing is current.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 200
??Car expenses: $ 360
??Utilities: $ All utils included
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ N/A
??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
BidderAmount BidAmount WinningBid Date (PT)
ASR3$25.00$25.0011/24/2010 2:26:26 PM
graceful-investment$100.00$100.0011/24/2010 2:17:58 PM
kulender$50.00$50.0011/24/2010 2:27:19 PM
tech310$25.00$25.0011/24/2010 2:28:47 PM
Mariner3605$50.00$50.0011/26/2010 1:53:31 AM
AlexTrep$25.00$25.0011/26/2010 7:14:08 AM
bid-czar8$50.00$50.0011/26/2010 9:15:02 AM
squarebob$25.00$25.0011/26/2010 12:38:36 PM
vine99$40.00$40.0011/26/2010 4:30:08 PM
trade-boots1$100.00$100.0011/26/2010 5:29:02 PM
SolarMoonshine$25.00$25.0011/26/2010 6:28:12 PM
bulsa$100.00$100.0011/26/2010 8:45:27 PM
economy-synapse$25.00$25.0011/26/2010 8:14:46 PM
brother_tam$50.00$50.0011/27/2010 1:08:11 AM
diplomatic-wealth7$25.00$25.0011/27/2010 12:14:51 PM
commerce-yeller$25.00$25.0011/28/2010 11:33:24 AM
retired272$25.00$25.0011/28/2010 11:36:42 AM
bountiful-durability$100.00$100.0011/29/2010 5:19:34 AM
money-bauble$100.00$100.0011/29/2010 8:42:59 AM
ivadood$50.00$50.0011/29/2010 2:45:51 PM
dedicated-transaction796$50.00$50.0011/29/2010 6:34:05 PM
jwm$25.00$25.0011/30/2010 7:57:40 AM
competent-p2p$35.00$35.0011/30/2010 11:14:11 AM
admirable-basis1$25.00$25.0011/30/2010 11:58:51 AM
cablenews$50.00$50.0011/30/2010 11:59:14 AM
studious-peso$25.00$25.0011/30/2010 1:37:52 PM
bazaar-secret-agent6$50.00$50.0011/30/2010 2:46:21 PM
finance-mushroom$50.00$50.0011/30/2010 2:47:02 PM
finagler$25.00$25.0011/30/2010 5:57:42 PM
shur$25.00$25.0011/30/2010 3:16:51 PM
treasure-bliss$50.00$50.0012/1/2010 2:51:20 AM
loss-of-control$50.00$50.0011/30/2010 6:43:01 PM
dcap3$25.00$25.0012/1/2010 5:43:59 AM
Kash2010lu$25.00$25.0012/1/2010 5:30:39 AM
order-elevator7$25.00$25.0012/1/2010 2:55:24 AM
FeedTheMachine$50.00$50.0012/1/2010 2:56:07 AM
asmithj$50.00$50.0012/1/2010 9:23:30 AM
wise-silver-wonder$25.00$25.0012/1/2010 9:37:47 AM
ouyangers$25.00$25.0012/1/2010 10:11:04 AM
Forlio$50.00$50.0012/1/2010 10:51:15 AM
xzec777$25.00$25.0012/1/2010 10:27:20 AM
life-is-great$50.00$50.0012/1/2010 11:02:11 AM
flwah$25.00$25.0012/1/2010 11:02:20 AM
miked8303$25.00$25.0012/1/2010 11:02:25 AM
wtrboy$50.00$50.0012/1/2010 11:03:29 AM
ThatDanGuy$100.00$100.0012/1/2010 7:33:03 AM
red-power-pecan$28.14$23.9512/1/2010 11:04:21 AM
dollar-sonnet3$25.00$25.0012/1/2010 11:01:52 AM
trade-surge3$50.00$50.0012/1/2010 11:03:25 AM
commerce-web5$50.00$50.0012/1/2010 11:03:46 AM
sweetlan$25.00$25.0012/1/2010 11:04:11 AM
Astyanax$75.00$75.0012/1/2010 11:22:32 AM
ichibon$25.00$25.0012/1/2010 9:59:22 AM
fund-javelin1$25.00$25.0012/1/2010 10:14:40 AM
ingenious-deal6$25.00$25.0012/1/2010 11:02:21 AM
point-kitten6$43.16$43.1612/1/2010 11:03:37 AM
towering-compassion$50.00$50.0012/1/2010 11:03:48 AM
yennib$36.98$36.9812/1/2010 11:04:18 AM
EretzCapital$30.00$30.0012/1/2010 1:28:24 PM
velocity-solo$25.00$25.0011/24/2010 2:28:29 PM
raisingophelia$25.00$25.0011/24/2010 2:28:40 PM
reward-motion$25.00$25.0011/25/2010 9:15:01 AM
beakerfish$75.00$75.0011/25/2010 11:00:02 AM
soulful-truth$25.00$25.0011/25/2010 12:04:35 PM
MikeyZ2008$100.00$100.0011/25/2010 3:02:40 PM
desertoasis$25.00$25.0011/25/2010 10:02:53 PM
Artist_Blue$25.00$25.0011/26/2010 7:44:14 AM
investment-comet$25.00$25.0011/26/2010 7:36:49 AM
jazzlender$25.00$25.0011/26/2010 8:49:15 AM
nybanker85$30.00$30.0011/26/2010 9:01:37 AM
greenback-guard$25.00$25.0011/26/2010 9:10:03 AM
DonaldColorado$50.00$50.0011/26/2010 10:19:45 AM
paytonbrigadier$200.00$200.0011/26/2010 12:15:32 PM
LiveNow$25.00$25.0011/26/2010 3:51:23 PM
alexgalt$50.00$50.0011/26/2010 7:24:47 PM
Share_The_Wealth$43.48$43.4811/27/2010 11:49:37 AM
simplelender80$100.00$100.0011/28/2010 1:42:23 PM
gain-gourd$100.00$100.0011/28/2010 8:35:19 PM
Bookophile$50.00$50.0011/29/2010 5:44:25 AM
finance-prescription$50.00$50.0011/29/2010 10:54:32 AM
Comoparklender$25.00$25.0011/29/2010 11:25:25 AM
gallant-economy9$77.74$77.7411/30/2010 3:29:42 AM
zebra806$63.18$63.1811/30/2010 8:14:23 AM
valiant-liberty4$25.00$25.0011/30/2010 4:34:13 AM
AF-Chief$50.00$50.0011/30/2010 9:52:59 AM
astute-investment5$25.00$25.0011/30/2010 9:33:45 AM
the-silver-blaster$50.00$50.0011/30/2010 7:01:05 AM
Kyileo$25.00$25.0011/30/2010 9:39:28 AM
spark548$25.00$25.0011/30/2010 1:43:02 PM
108lender$25.00$25.0011/30/2010 12:12:50 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:43:02 PM
rmachi$25.00$25.0011/30/2010 2:46:18 PM
MedLend$50.00$50.0011/30/2010 3:12:07 PM
inspiring-reward$41.02$41.0211/30/2010 3:15:21 PM
IIP77$25.00$25.0012/1/2010 1:38:34 AM
Miklot$50.00$50.0012/1/2010 2:14:20 AM
bluehen00$75.00$75.0011/30/2010 5:36:37 PM
Cybercusp$25.00$25.0012/1/2010 2:35:29 AM
Rogesparkguy$25.00$25.0011/30/2010 9:02:52 PM
saffron4$25.00$25.0012/1/2010 8:54:58 AM
FASTIZIO_P$27.00$27.0012/1/2010 8:15:52 AM
Bob450$25.00$25.0012/1/2010 8:28:56 AM
tuneman1980$25.00$25.0012/1/2010 9:16:01 AM
balanced-dime7$25.00$25.0012/1/2010 9:34:48 AM
flexible-income9$150.00$150.0012/1/2010 9:34:59 AM
vigorous-velocity$100.00$100.0012/1/2010 11:03:19 AM
orangetrust$50.00$50.0012/1/2010 11:04:01 AM
shrewd-peace7$25.00$25.0012/1/2010 8:53:12 AM
worthy-bid8$50.00$50.0012/1/2010 10:42:51 AM
asiaratt$33.49$33.4912/1/2010 11:02:08 AM
Steveoo1$25.00$25.0012/1/2010 11:03:27 AM
GordoMG$50.00$50.0012/1/2010 11:03:39 AM
extraordinary-transaction$25.00$25.0012/1/2010 11:04:05 AM
113 bids
 
Borrower Payment Dependent Notes Series 485621
This series of Notes was issued and sold upon the funding of the borrower loan #45731, 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: 10.80% Auction start date:  Nov-24-2010 
  Auction end date:  Dec-01-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $274.16
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $274.16
 
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: Aug-1982 Debt/Income ratio: 8%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: responsive-investment0 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Short term loan - medical expenses
Purpose of loan:
My family has had?unexpected medical expenses this year, my wife has been unable to work, and my annual bonus will not be paid until March.? I am seeking a short term loan that I hope to pay off in less than 1 year.

My financial situation:
I am a good candidate for this loan because my income will support the repayment, given that about half of my annual compensation is paid in an annual bonus in March.? This has been a difficult year, and a short term loan will help.? I am highly confident that I will be able to make these loan payments promptly.? My documented income is over $350,000 per year.

The delinquencies reported in this listing were all paid in full.? I have not acted wisely in the past, and I am committed to improving that record going forward.? I fully expect to repay this loan in full, and I do not expect that there will be any losses for lenders.? I consider this an opportunity to gain some recovery in my financial behavior.? 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
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0011/24/2010 2:18:01 PM
reflective-rupee$325.00$325.0011/24/2010 2:28:45 PM
ASR3$25.00$25.0011/24/2010 2:26:24 PM
kulender$100.00$100.0011/24/2010 2:27:46 PM
money-bauble$25.00$25.0011/24/2010 2:28:20 PM
finance-prescription$50.00$50.0011/24/2010 2:30:10 PM
simplelender80$100.00$100.0011/24/2010 2:26:41 PM
finance-prescription$100.00$100.0011/24/2010 2:30:21 PM
JustMee$25.00$25.0011/24/2010 6:01:18 PM
foothillender$25.00$25.0011/25/2010 7:01:03 AM
reward-motion$25.00$25.0011/25/2010 4:37:48 AM
BradP$50.00$50.0011/25/2010 9:40:13 AM
MikeyZ2008$100.00$100.0011/25/2010 3:02:43 PM
desertoasis$25.00$25.0011/25/2010 10:02:48 PM
squarebob$25.00$25.0011/26/2010 6:04:21 AM
platinum-piledriver$28.88$28.8811/26/2010 1:25:23 AM
Mariner3605$50.00$50.0011/26/2010 1:53:34 AM
squarebob$25.00$25.0011/26/2010 6:04:40 AM
Artist_Blue$25.00$25.0011/26/2010 7:44:07 AM
nybanker85$30.00$30.0011/26/2010 9:01:40 AM
greenback-guard$25.00$25.0011/26/2010 9:10:10 AM
bid-czar8$100.00$100.0011/26/2010 2:52:55 PM
trade-boots1$100.00$100.0011/26/2010 5:29:05 PM
investment-comet$25.00$25.0011/26/2010 5:27:47 PM
economy-synapse$25.00$25.0011/26/2010 8:14:49 PM
bulsa$100.00$100.0011/26/2010 8:45:29 PM
armny$35.24$35.2411/27/2010 5:23:55 AM
wildcard451$30.23$30.2311/27/2010 1:33:48 PM
diplomatic-wealth7$25.00$25.0011/27/2010 12:14:56 PM
nimble-nickel$100.00$100.0011/27/2010 1:04:04 PM
gentle-coin$25.00$25.0011/27/2010 1:48:59 PM
momentous-payment5$50.00$50.0011/27/2010 10:01:22 AM
Share_The_Wealth$50.00$50.0011/27/2010 11:49:34 AM
musegaze$31.00$31.0011/27/2010 2:39:26 PM
commerce-yeller$25.00$25.0011/28/2010 11:33:26 AM
bountiful-durability$100.00$100.0011/29/2010 5:19:32 AM
LiveNow$25.00$25.0011/29/2010 9:17:51 AM
brother_tam$50.00$50.0011/29/2010 11:22:46 AM
building_community$50.00$50.0011/29/2010 11:23:01 AM
fund-ambrosia0$25.00$25.0011/29/2010 3:48:04 PM
dedicated-transaction796$50.00$50.0011/29/2010 6:38:39 PM
Comoparklender$50.00$50.0011/30/2010 6:19:12 AM
flexible-duty3$27.00$27.0011/30/2010 6:10:59 AM
ivadood$50.00$50.0011/30/2010 10:59:54 AM
competent-p2p$35.00$35.0011/30/2010 11:14:16 AM
income-vault6$25.00$25.0011/30/2010 9:53:01 AM
spark548$25.00$25.0011/30/2010 2:47:21 PM
Zipcut$25.00$25.0011/30/2010 4:44:53 PM
goodcents$25.00$25.0011/30/2010 8:42:57 PM
jwm$25.00$25.0011/30/2010 3:16:41 PM
auction-chomper4$60.00$60.0011/30/2010 11:11:30 PM
finance-burger$33.15$33.1512/1/2010 12:46:02 AM
finagler$25.00$25.0011/30/2010 5:57:45 PM
finance-mushroom$100.00$42.4812/1/2010 2:55:36 AM
Kash2010lu$25.00$25.0012/1/2010 4:37:48 AM
Requiem$25.00$25.0012/1/2010 6:23:39 AM
studious-peso$25.00$25.0012/1/2010 2:13:29 AM
leverage-monger$25.00$25.0012/1/2010 7:42:10 AM
Cromag$25.00$25.0012/1/2010 7:48:16 AM
reflective-rupee$325.00$325.0012/1/2010 9:21:59 AM
coin-amigo$25.00$25.0012/1/2010 10:10:27 AM
Kaj$25.00$25.0012/1/2010 11:06:15 AM
green-wampum-titan$25.00$25.0012/1/2010 11:20:51 AM
Flreap$30.00$30.0012/1/2010 11:34:40 AM
Bob450$25.00$25.0012/1/2010 8:30:03 AM
umfan123$25.00$25.0012/1/2010 1:18:00 PM
friendinmoney$25.00$25.0012/1/2010 1:58:46 PM
credit-missile$25.00$25.0012/1/2010 1:28:44 PM
fund-javelin1$25.00$25.0012/1/2010 10:09:49 AM
brightest-dignified-penny$25.00$25.0012/1/2010 10:41:39 AM
gothampark$25.00$25.0012/1/2010 11:46:41 AM
credit-missile$25.00$25.0012/1/2010 1:28:19 PM
bull_lender$25.00$25.0012/1/2010 2:07:59 PM
Thylow$25.00$25.0011/24/2010 2:21:40 PM
hopeful-truth5$75.00$75.0011/24/2010 2:19:39 PM
raisingophelia$25.00$25.0011/24/2010 2:28:37 PM
velocity-solo$25.00$25.0011/24/2010 2:28:55 PM
Veiglcc$25.00$25.0011/24/2010 11:50:32 PM
loyalist1$50.00$50.0011/25/2010 8:48:29 AM
soulful-truth$25.00$25.0011/25/2010 11:21:06 AM
itnAAnti$25.00$25.0011/26/2010 12:08:04 AM
squarebob$25.00$25.0011/26/2010 6:05:00 AM
AlexTrep$25.00$25.0011/26/2010 7:14:33 AM
bold-steady-peso$25.00$25.0011/26/2010 5:54:58 AM
zebra806$50.00$50.0011/26/2010 8:18:06 AM
jazzlender$25.00$25.0011/26/2010 8:49:21 AM
DonaldColorado$50.00$50.0011/26/2010 10:19:51 AM
sunshinysmiles$25.00$25.0011/26/2010 10:27:55 AM
paytonbrigadier$200.00$200.0011/26/2010 12:15:34 PM
SolarMoonshine$100.00$100.0011/26/2010 1:12:57 PM
trumpeter7$50.00$50.0011/26/2010 2:38:32 PM
first-serene-credit$25.00$25.0011/26/2010 5:19:55 PM
mighty-payout1$25.00$25.0011/26/2010 7:22:14 PM
mspiggybank$250.00$250.0011/26/2010 7:07:51 PM
Helenska11$50.00$50.0011/26/2010 8:22:32 PM
cash-spark3$25.00$25.0011/26/2010 8:48:26 PM
850$50.00$50.0011/26/2010 9:29:55 PM
openness-wind8$27.27$27.2711/27/2010 4:16:43 AM
jakebrady$50.00$50.0011/27/2010 2:47:16 PM
revenue-magnolia$25.00$25.0011/28/2010 9:23:56 AM
loanman2007$100.00$100.0011/28/2010 11:53:20 AM
benefit-crescendo$25.00$25.0011/28/2010 10:17:23 AM
gain-gourd$100.00$100.0011/29/2010 7:13:43 AM
dinero-fighter$25.00$25.0011/29/2010 11:08:00 AM
Julzlmt$106.45$106.4511/30/2010 6:27:30 AM
astute-investment5$25.00$25.0011/30/2010 9:33:47 AM
direct-liberty819$50.00$50.0011/30/2010 10:17:42 AM
gallant-economy9$25.08$25.0811/30/2010 11:42:41 AM
the-silver-blaster$50.00$50.0011/30/2010 2:46:46 PM
admirable-basis1$25.00$25.0011/30/2010 3:16:50 PM
Zipcut$25.00$25.0011/30/2010 4:44:00 PM
skillful-asset5$30.00$30.0011/30/2010 6:31:47 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:43:04 PM
108lender$150.00$150.0011/30/2010 10:59:08 PM
inspiring-reward$100.00$100.0011/30/2010 11:00:23 PM
Zipcut$25.00$25.0011/30/2010 4:44:28 PM
diversification-medalist$25.00$25.0011/30/2010 11:12:38 PM
power-secret-agent$45.00$45.0012/1/2010 2:27:36 AM
EngineersAlliance$25.00$25.0012/1/2010 9:44:56 AM
interstellar$50.00$50.0012/1/2010 9:39:06 AM
mason5$50.00$50.0012/1/2010 10:17:56 AM
reflective-rupee$222.50$222.5012/1/2010 10:27:41 AM
wwwUniversal$25.00$25.0012/1/2010 9:39:25 AM
credit-missile$25.00$25.0012/1/2010 1:29:11 PM
credit-missile$25.00$25.0012/1/2010 2:00:55 PM
yungtiger$110.72$110.7212/1/2010 1:57:06 PM
Astyanax$75.00$75.0012/1/2010 11:26:58 AM
127 bids
 
Borrower Payment Dependent Notes Series 485789
This series of Notes was issued and sold upon the funding of the borrower loan #45808, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,900.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $221.66
Final lender yield: 29.97% Final borrower rate/APR: 30.97% / 34.60% Final monthly payment: $210.62
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 25.76%  
Lender servicing fee: 1.00% Estimated return: 4.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,830Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: billi Borrower's state: Washington Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2009)
 
Principal balance: $1,121.18 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Second prosper loan:credit ^720
Purpose of the loan:

to pay off 3 credit cards of a total of $4900

Why I should be funded:

Because I have proven that I pay my loans on time, I'm never late, and i'll pay the length of the loan.

Cost of living:

morgage: $950
auto: 275
utilities: 175
insurance: 225
food: 250
misl: 500

I live lean.

I have more than enough to make a solid payment every month. This loan will almost get me entirely debt free and I'll have only 2 payments, both to prosper. I'll soon be debt free. Help me one last time, thanks.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is your credit card interest rate? Thanks and good luck! - moneysong
A: I have an old Wamu card (chase) that raised up at 29% (with fees) a few months back with about a $4000 balance. It was at $6000 this time last year and it just seems to ridiculous paying chase that kind of interest. It'd be nice to completely get rid of my credit balances all together and pay you guys that interest. My other account has $1000 balance and is at 20%. (Dec-03-2010)
Q: Hi there, I am puzzled by the very low score Prosper assigns you even though I don't see anything in the credit information that would warrant such poor score. Do you have a sense why Prosper considers you a risky borrower? Thanks and good luck. - green-rapid-openness
A: I am puzzled just as you are. I think the main reason is on my tax return last year I showed a loss in buisness revenew because of the cost to open my second location. Also I showed a big loss in 09 in equities I owned. So on paper it looks like I made zero money last year and lost more than I made. However, 2010 has been a good year and 2011 looks extremely promising. (Dec-04-2010)
Q: Hi, I see that your credit card interest rates that you want to pay down (first question) with this loan are lower than the current rate that you are getting from prosper. Seems like the deal is not a good one for you. What do you think of that? - anarchy1985
A: I agree, I just really want to not have revolving credit card balances at all. Another plus is having prosper deduct the payment amount monthly from my account. And having a payment plan makes it easy. Being with prosper just makes it more comfortable. (Dec-05-2010)
Q: If you showed a loss in certain areas the last 2 years, does your Tax return(s) actually show your (net) income as $50K plus as you state? - one-midas
A: This year I paid my self about $5000 +/- $500 a month to my personal account, enough for my cost of living and some. Everything else goes back into my business. In the year 2009 I lived off of cash I made from a 2008 sale of a coffee franchise ($85,000) I owned as I opened 2 locations during that time. During 2008 I netted $55,000 while in operation as a franchise. It has cost me well over $150,000 to open and operate my 2 current locations. I gross profit about $7500-$8500 a month. (Dec-05-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glroark$50.00$50.0011/29/2010 3:17:03 PM
genuine-integrity0$25.00$25.0011/30/2010 2:26:17 PM
alexgalt$25.00$25.0012/1/2010 10:17:12 PM
DenimCapital$50.00$50.0012/2/2010 9:56:48 AM
lucrative-loan$25.00$25.0012/3/2010 5:08:39 AM
professional-integrity$33.74$33.7412/4/2010 7:59:21 PM
carrinel$72.57$72.5712/4/2010 7:21:54 AM
CaliforniaSun$25.00$25.0012/4/2010 7:25:49 AM
PeterPsych$121.00$121.0012/5/2010 5:15:43 PM
kushka$25.00$25.0012/5/2010 11:45:44 AM
vest_vortex$25.00$25.0012/5/2010 11:54:50 AM
Kash2010lu$35.00$35.0012/4/2010 6:20:11 PM
FIRE09$50.00$50.0012/6/2010 9:23:47 AM
balance-river$45.97$45.9712/6/2010 10:06:07 AM
credit-missile$25.00$25.0012/5/2010 12:27:43 PM
credit-missile$25.00$25.0012/5/2010 12:28:22 PM
credit-missile$25.00$25.0012/5/2010 12:44:12 PM
penny-plato$25.00$25.0012/5/2010 4:59:03 PM
Kash2010lu$25.00$25.0012/6/2010 8:45:24 AM
tender-transaction$50.00$50.0012/6/2010 1:18:39 PM
realtormoises$25.00$25.0012/6/2010 9:33:48 AM
BrighterSuns$25.00$25.0012/6/2010 9:35:09 AM
hopeful-truth5$100.00$100.0012/6/2010 1:50:39 PM
skillful-asset5$30.00$30.0012/6/2010 1:55:44 PM
mikeandcat$100.00$95.1812/6/2010 10:39:53 AM
fairgirl$25.00$25.0012/6/2010 5:01:53 AM
first-dinero-igloo$25.00$25.0012/6/2010 7:37:30 AM
houli123$1,000.00$1,000.0012/6/2010 1:27:35 PM
farchoir$25.00$25.0012/6/2010 1:31:47 PM
csandb$25.00$25.0012/6/2010 1:42:31 PM
lively-exchange$26.50$26.5012/6/2010 9:19:11 AM
Isotope$25.00$25.0012/6/2010 9:24:42 AM
worthy-bid4$27.22$27.2212/6/2010 9:37:15 AM
LindaRicci$25.00$25.0012/6/2010 9:42:53 AM
averagefore$25.00$25.0012/6/2010 2:07:14 PM
ready-interest9$36.46$36.4612/6/2010 10:00:47 AM
BDS$25.00$25.0012/6/2010 2:26:49 PM
moola-monger9$50.00$50.0012/6/2010 2:33:03 PM
reflective-rupee$25.00$25.0012/6/2010 12:04:50 PM
shrewd-income$50.00$50.0012/6/2010 2:42:57 PM
p2ploan-sensation211$50.00$50.0012/6/2010 2:49:28 PM
red-favorable-basis$25.00$25.0011/30/2010 8:58:59 AM
loanman2007$100.00$100.0012/2/2010 5:13:36 AM
investment-artist$25.00$25.0012/2/2010 8:54:21 AM
Fire2$25.00$25.0012/2/2010 7:59:54 PM
SolarMoonshine$25.00$25.0012/3/2010 5:52:40 PM
JerryB96$25.00$25.0012/4/2010 8:13:23 AM
alexgalt$25.00$25.0012/4/2010 1:44:40 AM
investment-artist$25.00$25.0012/4/2010 3:32:10 PM
marinbb$25.00$25.0012/5/2010 6:17:51 PM
Phatt-Daddy$25.00$25.0012/6/2010 5:50:07 AM
Nazbuster$100.00$100.0012/5/2010 4:28:48 PM
Green-Baron$25.00$25.0012/5/2010 8:54:52 AM
lucrative-loan$25.00$25.0012/5/2010 9:42:58 AM
favorite-commerce$50.00$50.0012/6/2010 9:08:00 AM
Bob450$30.00$30.0012/6/2010 10:04:08 AM
credit-missile$25.00$25.0012/5/2010 12:28:03 PM
credit-missile$25.00$25.0012/5/2010 12:28:41 PM
sturdy-peace9$50.00$50.0012/6/2010 7:14:54 AM
Astyanax$75.00$75.0012/6/2010 11:46:54 AM
outofoffice$25.00$25.0012/6/2010 7:41:51 AM
finance-solo$34.23$34.2312/5/2010 5:38:09 PM
minnesotafinancial$25.00$25.0012/6/2010 9:12:10 AM
Tizzo27$50.17$50.1712/5/2010 5:42:15 PM
jhernand17$25.00$25.0012/6/2010 9:38:52 AM
ore-dojo$25.00$25.0012/6/2010 9:39:37 AM
melodious-openness$200.00$200.0012/5/2010 7:46:08 PM
ultimate-peace$50.00$50.0012/6/2010 1:51:49 PM
Elevate2012$25.00$25.0012/6/2010 10:10:11 AM
bsmtloan$45.16$45.1612/5/2010 8:13:19 PM
engaging-worth$25.00$25.0012/6/2010 2:22:21 PM
goodcents$45.00$45.0012/6/2010 2:31:34 PM
Bcs-cnc$25.00$25.0012/6/2010 11:36:37 AM
payout-bridge$25.00$25.0012/6/2010 2:51:16 PM
hokee$25.00$25.0012/6/2010 6:56:32 AM
Leshan$140.09$140.0912/6/2010 7:40:48 AM
TackingWindward$25.00$25.0012/6/2010 1:48:22 PM
realestate6606$150.00$150.0012/6/2010 1:53:29 PM
payout-alien6$25.00$25.0012/6/2010 2:27:57 PM
parsec458$350.00$350.0012/6/2010 2:53:09 PM
WMY-Investor$100.00$100.0012/6/2010 11:34:56 AM
ddoneday$31.71$31.7112/6/2010 1:44:10 PM
Paxman84$25.00$25.0012/6/2010 1:58:03 PM
GrossBuddha$150.00$150.0012/6/2010 2:41:53 PM
84 bids
 
Borrower Payment Dependent Notes Series 485827
This series of Notes was issued and sold upon the funding of the borrower loan #45743, 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-29-2010 
  Auction end date:  Dec-03-2010 
 
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): 7 First credit line: Apr-1989 Debt/Income ratio: 18%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 11 / 11Length of status:11y 9m
Amount delinquent: $16,567 Total credit lines: 22 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,404Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Bankcard utilization: 34%  
   Homeownership: Yes  
Screen name: bazaar-attraction6 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
700-719 (Feb-2010)
 
Principal balance: $4,095.27 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
medical and home expenses
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0011/29/2010 2:56:13 PM
hopeful-truth5$75.00$75.0011/29/2010 2:59:58 PM
simplelender80$100.00$100.0011/29/2010 3:12:52 PM
finance-prescription$50.00$50.0011/29/2010 3:15:51 PM
loyalist1$50.00$50.0011/29/2010 3:17:33 PM
bid-czar8$100.00$100.0011/29/2010 3:22:26 PM
finance-prescription$100.00$100.0011/29/2010 3:16:34 PM
Mariner3605$50.00$50.0011/29/2010 3:29:41 PM
paytonbrigadier$200.00$200.0011/29/2010 3:21:06 PM
reflective-rupee$100.00$100.0011/29/2010 3:36:52 PM
reflective-rupee$100.00$100.0011/29/2010 3:36:37 PM
Artist_Blue$25.00$25.0011/29/2010 3:26:47 PM
alexgalt$25.00$25.0011/29/2010 11:02:25 PM
gain-gourd$100.00$100.0011/30/2010 11:59:32 AM
ThatDanGuy$100.00$100.0012/1/2010 7:33:22 AM
worthy-bid8$50.00$50.0012/1/2010 10:43:00 AM
LiveNow$25.00$25.0012/1/2010 11:01:03 AM
flexible-income9$150.00$150.0012/1/2010 2:56:54 PM
matt_2006$25.00$25.0012/1/2010 7:47:49 PM
bountiful-durability$50.00$50.0012/1/2010 7:33:44 PM
Comoparklender$25.07$25.0712/1/2010 5:02:43 PM
dcap3$25.00$25.0012/1/2010 5:09:02 PM
economy-synapse$25.00$25.0012/1/2010 7:05:42 PM
ivadood$50.00$16.8112/1/2010 7:50:00 PM
well-mannered-income3$40.00$40.0012/1/2010 8:23:23 PM
b-rent$25.00$25.0012/2/2010 4:57:13 PM
scrappy-diversification7$4,000.00$4,000.0012/3/2010 10:59:31 AM
income-vault6$25.00$25.0012/3/2010 6:56:56 AM
rhin0cerx$50.00$50.0012/3/2010 7:59:10 AM
kulender$50.00$50.0011/29/2010 3:13:36 PM
DonaldColorado$50.00$50.0011/29/2010 3:19:57 PM
ASR3$25.00$25.0011/29/2010 3:12:38 PM
greenback-guard$25.00$25.0011/29/2010 3:23:21 PM
jazzlender$25.00$25.0011/29/2010 3:19:00 PM
trade-boots1$100.00$100.0011/29/2010 3:24:06 PM
Helenska11$25.00$25.0011/29/2010 3:25:37 PM
bulsa$100.00$100.0011/29/2010 3:25:41 PM
diplomatic-wealth7$25.00$25.0011/29/2010 3:27:45 PM
commerce-yeller$25.00$25.0011/29/2010 3:30:27 PM
money-bauble$25.00$25.0011/29/2010 3:32:25 PM
tech310$50.00$50.0011/29/2010 3:34:17 PM
brother_tam$25.00$25.0011/30/2010 3:29:47 AM
dedicated-transaction796$40.79$40.7911/30/2010 8:07:44 AM
mikeandcat$100.00$100.0011/30/2010 5:46:43 AM
supreme-hope$25.00$25.0011/30/2010 9:13:47 AM
raisingophelia$25.00$25.0011/30/2010 11:13:48 AM
musegaze$47.33$47.3311/30/2010 11:25:53 AM
astute-investment5$25.00$25.0011/30/2010 9:34:00 AM
investment-comet$25.00$25.0011/30/2010 2:46:10 PM
nybanker85$30.00$30.0011/30/2010 3:12:29 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:43:19 PM
finagler$25.00$25.0011/30/2010 5:58:01 PM
PrivateLoaner$50.00$50.0012/1/2010 11:48:19 AM
ichibon$50.00$50.0012/1/2010 9:59:08 AM
Redmond$25.00$25.0012/1/2010 2:04:40 PM
fortytwo$50.00$50.0012/1/2010 3:00:29 PM
handshake5$100.00$100.0012/1/2010 3:06:17 PM
env$25.00$25.0012/1/2010 4:33:38 PM
brother_tam$200.00$200.0012/2/2010 8:54:02 PM
Ven58$25.00$25.0012/3/2010 4:34:13 AM
a-finance-nirvana$25.00$25.0012/3/2010 4:55:20 AM
delivery$25.00$25.0012/3/2010 2:35:59 AM
Kaj$25.00$25.0012/3/2010 10:41:28 AM
orderly-leverage$100.00$100.0012/3/2010 5:12:54 AM
leverage-monger$25.00$25.0012/3/2010 7:12:31 AM
leverage-monger$25.00$25.0012/3/2010 11:18:26 AM
66 bids
 
Borrower Payment Dependent Notes Series 485851
This series of Notes was issued and sold upon the funding of the borrower loan #45749, 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-29-2010 
  Auction end date:  Dec-06-2010 
 
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: Mar-2000 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,330Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: social-stockpiler8 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off my credit cards.

My financial situation:
I am a good candidate for this loan because except for the cards, I will have no?bills after my car's paid off on?Dec. 3.?

Monthly net income: $ 719

Monthly expenses: $
??Housing: $ 0
??Insurance: $?25
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?200
??Clothing, household expenses $ 0
??Credit cards and other loans: $?240??
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
Q: Here's to becoming debt free one day soon. Once that day comes, consider putting a few dollars aside and becoming a Prosper lender. I think you'll like it. - economy-synapse
A: I hope I can one day. However, you can be a lender in NC just yet. (Dec-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0011/29/2010 2:56:16 PM
kulender$50.00$50.0011/29/2010 3:13:38 PM
bid-czar8$100.00$100.0011/29/2010 3:22:27 PM
bulsa$100.00$100.0011/29/2010 3:25:44 PM
diplomatic-wealth7$25.00$25.0011/29/2010 3:27:47 PM
alexgalt$100.00$100.0011/29/2010 3:28:49 PM
simplelender80$100.00$100.0011/29/2010 3:30:49 PM
money-bauble$25.00$25.0011/29/2010 3:32:27 PM
greenback-guard$25.00$25.0011/29/2010 3:23:22 PM
Artist_Blue$25.00$25.0011/29/2010 3:26:44 PM
reflective-rupee$300.00$300.0011/29/2010 3:33:59 PM
alexgalt$25.00$25.0011/29/2010 11:03:11 PM
astute-investment5$25.00$25.0011/30/2010 9:34:02 AM
dedicated-transaction796$50.00$50.0011/30/2010 11:59:14 AM
social-heart$25.00$25.0012/3/2010 4:41:58 AM
Bob450$25.00$25.0012/3/2010 8:30:12 AM
melodious-openness$200.00$200.0012/3/2010 2:08:58 PM
economy-synapse$75.00$75.0012/3/2010 6:26:25 PM
samurai2$30.00$30.0012/3/2010 7:42:36 PM
capital-kingdom$25.00$25.0012/4/2010 8:37:35 AM
jjsparks28$25.00$25.0012/4/2010 9:01:06 AM
Free-the-usa-1776$25.00$25.0012/4/2010 2:57:38 PM
LendToCause$25.00$25.0012/4/2010 3:22:13 PM
unger$85.00$85.0012/5/2010 3:17:08 AM
gjm6d$25.00$25.0012/5/2010 3:50:22 PM
nickel-hickory$200.00$200.0012/5/2010 2:36:24 PM
luminous-payout6$25.00$25.0012/5/2010 4:06:30 PM
Easystreet$25.00$25.0012/6/2010 12:29:02 PM
favorite-commerce$50.00$50.0012/6/2010 9:09:37 AM
purposeful-dedication$25.00$25.0012/6/2010 9:26:41 AM
shrewd-income$50.00$50.0012/6/2010 2:43:33 PM
grampy48$30.00$30.0012/6/2010 6:58:26 AM
realtormoises$25.00$25.0012/6/2010 9:34:16 AM
worthy-bid4$25.00$25.0012/6/2010 9:37:52 AM
yons88$25.00$25.0012/6/2010 1:19:17 PM
tender-transaction$25.00$25.0012/6/2010 1:21:38 PM
ultimate-peace$212.00$212.0012/6/2010 1:53:00 PM
ASR3$25.00$25.0011/29/2010 3:12:37 PM
jazzlender$25.00$25.0011/29/2010 3:19:02 PM
DonaldColorado$50.00$50.0011/29/2010 3:19:59 PM
paytonbrigadier$200.00$200.0011/29/2010 3:21:08 PM
trade-boots1$100.00$100.0011/29/2010 3:24:08 PM
Mariner3605$50.00$50.0011/29/2010 3:29:43 PM
nickel-hickory$25.00$25.0011/29/2010 3:40:55 PM
loanman2007$50.00$50.0011/30/2010 6:15:22 AM
gain-gourd$100.00$100.0011/30/2010 2:47:16 PM
nybanker85$30.00$30.0011/30/2010 3:12:30 PM
investment-comet$25.00$25.0011/30/2010 3:13:37 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:43:20 PM
ThatDanGuy$100.00$54.9412/1/2010 7:33:23 AM
economy-synapse$25.00$25.0012/1/2010 7:05:44 PM
HammerSmith$25.00$25.0012/3/2010 9:43:17 AM
FoosMaster$75.00$75.0012/3/2010 7:08:38 PM
Whipster$25.00$25.0012/4/2010 6:06:23 AM
gothampark$25.00$25.0012/4/2010 9:34:39 AM
RebuildingAmerica$33.06$33.0612/3/2010 7:40:53 PM
CaliforniaSun$25.00$25.0012/4/2010 7:34:55 AM
bigb7$25.00$25.0012/4/2010 6:50:47 PM
nickel-position$25.00$25.0012/5/2010 2:19:42 PM
Kash2010lu$25.00$25.0012/5/2010 8:25:39 AM
skillful-asset5$25.00$25.0012/5/2010 8:37:38 PM
onecooldrink$25.00$25.0012/6/2010 11:29:05 AM
first-dinero-igloo$25.00$25.0012/6/2010 7:38:43 AM
63 bids
 
Borrower Payment Dependent Notes Series 485857
This series of Notes was issued and sold upon the funding of the borrower loan #45802, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $76.90
Final lender yield: 29.10% Final borrower rate/APR: 30.10% / 33.71% Final monthly payment: $72.26
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.00%  
Lender servicing fee: 1.00% Estimated return: 9.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1994 Debt/Income ratio: 16%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:9y 11m
Amount delinquent: $3,702 Total credit lines: 22 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,215Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: 123invest Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2008)
700-719 (Aug-2008)
660-679 (Jun-2008)
 
Principal balance: $681.15 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Help me pay off credit cards
Purpose of loan:
This loan will be used to? close some credit cards.?? I recently moved and my safety net I had saved up was used to secure my new housing and I would just like to have a safety net till my refund from taxes comes back.

I WOULD RATHER GIVE THE INTEREST TO PROSPER LENDERS THEN THE CREDIT CARD COMPANY.

My financial situation:
I am a good candidate for this loan because? I have been at my job for nearly 10 yrs.? I have a good income, my company just started paying for my insurance so I have a slight increase in income?and I know that I will pay this back just like the current prosper loan.

I also believe in this site as I invest on here as well.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 150
??Car expenses: $?600
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Could you please explain the $3702 balance that is showing up delinquent in your credit report? - lendstats_com
A: I had a credit card that I needed to settle with. It is showing deliquent because I was instructed to stop paying and work out a settlement with them. (Nov-30-2010)
Q: Who instructed you to stop paying the credit card? - lendstats_com
A: The credit service I contacted and worked with to settle the card. (Dec-02-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
supreme-hope$25.00$25.0011/30/2010 9:15:01 AM
SolarMoonshine$25.00$25.0012/2/2010 4:02:38 AM
marwadi-62$300.00$300.0012/3/2010 10:51:55 AM
realtormoises$25.00$25.0012/3/2010 1:39:29 PM
Kash2010lu$25.00$25.0012/3/2010 1:37:01 PM
wlm3012$25.00$25.0012/3/2010 3:20:52 PM
Whitewater_Loans$50.00$50.0012/3/2010 2:51:52 PM
s270$48.53$48.5312/3/2010 6:55:30 PM
Moe87$25.00$25.0012/4/2010 12:05:20 PM
fairgirl$25.00$25.0012/4/2010 8:16:50 AM
thankful-nickel2$25.00$25.0012/4/2010 10:16:18 AM
DasMula$25.00$25.0012/4/2010 6:22:17 PM
McDeeter$25.00$25.0012/4/2010 6:32:49 PM
doopers$25.00$25.0012/5/2010 6:00:05 PM
Leshan$140.09$140.0912/6/2010 7:43:11 AM
jhernand17$25.00$25.0012/6/2010 9:39:57 AM
halothane_logic$29.00$29.0012/6/2010 12:10:44 PM
Mikale360$25.00$25.0012/6/2010 9:58:52 AM
ultimate-peace$300.00$300.0012/6/2010 1:53:37 PM
ColoradoLender82$25.00$25.0012/6/2010 2:24:12 PM
ore-dojo$25.00$25.0012/6/2010 9:40:48 AM
grampy48$40.00$40.0012/6/2010 2:16:32 PM
wild-orange$50.00$50.0012/6/2010 11:32:49 AM
red-favorable-basis$25.00$25.0012/6/2010 2:35:32 PM
alexgalt$25.00$25.0012/1/2010 10:15:29 PM
gothampark$25.00$25.0012/4/2010 9:36:48 AM
Gandalf0001$25.00$25.0012/4/2010 3:08:47 AM
PadreAyudate$25.00$25.0012/4/2010 10:16:33 AM
kushka$25.00$25.0012/5/2010 11:58:00 AM
LindaRicci$25.00$25.0012/6/2010 9:54:41 AM
fairness-atmosphere$25.00$25.0012/5/2010 11:53:44 AM
CaliforniaSun$25.00$17.3812/5/2010 4:57:56 PM
worthy-bid4$25.00$25.0012/6/2010 9:38:41 AM
Bob450$25.00$25.0012/6/2010 10:04:47 AM
bullwink27$25.00$25.0012/6/2010 12:48:38 PM
ProjectVenture$50.00$50.0012/6/2010 1:10:50 PM
dudebrah$25.00$25.0012/6/2010 1:47:44 PM
37 bids
 
Borrower Payment Dependent Notes Series 485885
This series of Notes was issued and sold upon the funding of the borrower loan #45840, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $344.70
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $344.70
 
Auction yield range: 2.57% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1996 Debt/Income ratio: 5%
Credit score: 860-879 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $618Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: gold-mammal 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.
Description
New HVAC system
Purpose of loan:
This loan will be used to?finance the installation of a new HVAC system for my home. My current system is a 17-year old, 10 SEER system that is pretty much done.I originally planned to replace the system next summer but with the resumption of the Texas ?cash for clunkers appliance? program and the current federal tax credit, the savings are too good to pass up ($2,575 = $1,500 federal tax credit + $1,075 Texas rebate).?

My financial situation:
I am a good candidate for this loan because?my credit history and score (800+, no delinquencies, little credit card usage) prove a mature and conservative approach to spending money and incurring debt.? My liabilities are limited to my mortgage ($1,959/mo), student loans ($400/mo), and a renovation loan ($155/mo).? The renovation loan was used to rehab an apartment above my garage a couple of month ago, the apartment is now renting for $675 per month (a net positive transaction).?? Even without the rental income, the loan payments are more than manageable because my current pay is in the $100K area. ?Moreover, I am expecting a promotion and a substantial raise and bonus this coming March.? Lastly, I intend to use the federal tax credit and state rebate money to pay down principal and not for some other use.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
DukSerduk$25.00$25.0011/29/2010 2:56:35 PM
money-bauble$100.00$100.0011/29/2010 2:59:27 PM
commerce-voyager$25.00$25.0011/29/2010 2:59:47 PM
unclejaef$25.00$25.0011/29/2010 3:01:20 PM
selector568$300.00$300.0011/29/2010 3:01:01 PM
wjf60$50.00$50.0011/29/2010 3:06:07 PM
fishtale$25.00$25.0011/29/2010 3:06:19 PM
radforj22$50.00$50.0011/29/2010 3:02:11 PM
seabass123$25.00$25.0011/29/2010 3:02:37 PM
capital-web7$50.00$50.0011/29/2010 3:03:39 PM
bds9646$26.00$26.0011/29/2010 3:10:48 PM
mjunlimited$50.00$50.0011/29/2010 3:08:03 PM
skuba$100.00$100.0011/29/2010 3:11:18 PM
Cal07$25.00$25.0011/29/2010 3:11:23 PM
PThor$25.00$25.0011/29/2010 3:11:27 PM
perlindc$100.00$100.0011/29/2010 3:09:13 PM
tolerant-dinero2$25.00$25.0011/29/2010 3:09:28 PM
organized-payment6$50.00$50.0011/29/2010 3:11:54 PM
MarinLoans$25.00$25.0011/29/2010 3:10:00 PM
proper-commitment5$25.00$25.0011/29/2010 2:58:49 PM
meenan$25.00$25.0011/29/2010 3:10:26 PM
generous-deal6$50.00$50.0011/29/2010 2:59:42 PM
murren$25.00$25.0011/29/2010 3:10:31 PM
vigilance-revolutionary$50.00$50.0011/29/2010 3:11:40 PM
Pulchritudinous$25.00$25.0011/29/2010 3:14:43 PM
blot44$25.00$25.0011/29/2010 3:12:02 PM
a-responsible-return$50.00$50.0011/29/2010 3:12:07 PM
Curly-Girly$25.00$25.0011/29/2010 3:12:11 PM
ThomasC$50.00$50.0011/29/2010 3:13:28 PM
truth-prospector$25.00$25.0011/29/2010 3:14:17 PM
exchange-pledge$50.00$50.0011/29/2010 3:16:46 PM
sjlender$50.00$50.0011/29/2010 3:08:18 PM
DonaldColorado$100.00$100.0011/29/2010 3:08:38 PM
nickel-ferret$50.00$50.0011/29/2010 3:08:49 PM
auction-sage$50.00$50.0011/29/2010 3:10:03 PM
ommcd$25.00$25.0011/29/2010 3:10:20 PM
figs4u2$100.00$100.0011/29/2010 3:10:57 PM
innocent-deal$50.00$50.0011/29/2010 3:11:30 PM
panegryst$50.00$50.0011/29/2010 3:11:56 PM
Binan$25.00$25.0011/29/2010 3:13:22 PM
napmanger$25.00$25.0011/29/2010 3:37:59 PM
cashhelp$75.00$75.0011/29/2010 3:38:52 PM
agbullet55443$100.00$100.0011/29/2010 10:45:16 PM
jackdempsey$150.00$150.0011/30/2010 1:38:19 AM
dynamic-platinum$100.00$100.0011/30/2010 12:01:33 PM
nickel-synapse$25.00$25.0011/30/2010 4:45:07 PM
FundMaker$25.00$25.0011/30/2010 5:36:57 PM
jpblan11$25.00$25.0012/1/2010 7:32:58 AM
fund-javelin1$25.00$25.0012/1/2010 10:05:37 AM
Chewbaca$25.00$25.0012/1/2010 3:45:45 PM
djscal$50.00$50.0012/1/2010 7:19:18 PM
Zipperdu$50.00$50.0012/2/2010 4:01:55 AM
octoberfresh$25.00$25.0012/2/2010 7:34:26 AM
TomDalonajay$25.00$25.0012/2/2010 9:41:26 AM
Nazbuster$100.00$100.0012/2/2010 11:18:55 AM
Benkneebob$32.58$32.5812/2/2010 2:18:22 PM
outofoffice$47.03$47.0312/2/2010 7:07:53 AM
productive-finance$30.00$30.0012/2/2010 9:39:49 AM
Bank_of_E-Ville$25.00$25.0012/2/2010 8:22:19 PM
newest-funds-powerplant$50.00$50.0012/2/2010 8:42:36 PM
Ardy123$25.00$25.0012/2/2010 9:38:57 PM
planet613$74.36$74.3612/2/2010 9:42:40 PM
BOZO88$25.00$25.0012/3/2010 8:28:13 AM
wwwUniversal$25.00$25.0012/3/2010 7:14:24 AM
wilchik$180.00$180.0012/3/2010 8:45:25 AM
1SteelerFan$30.00$30.0012/3/2010 3:38:02 PM
Lotsofbears$25.00$25.0012/3/2010 6:19:48 PM
bankojerry$25.00$25.0012/3/2010 5:21:22 PM
RecoveryLender$25.00$25.0012/3/2010 8:13:19 PM
thankful-nickel2$25.00$25.0012/4/2010 7:15:10 PM
Jtomtom$50.00$50.0012/4/2010 11:36:04 PM
pinnacle10$25.00$25.0012/4/2010 4:23:54 PM
Charmart$25.00$25.0012/6/2010 2:46:58 AM
qkinger$50.00$50.0012/6/2010 9:15:24 AM
-Me$50.00$50.0012/5/2010 11:31:18 PM
Dollars4Rent$25.00$25.0012/5/2010 11:26:09 AM
jguerrajr$92.02$92.0212/5/2010 11:45:31 AM
kushka$25.00$25.0012/5/2010 11:52:25 AM
Richmp412$25.00$25.0012/6/2010 6:34:31 AM
OoM$25.00$25.0012/6/2010 9:31:07 AM
goldsun$25.00$25.0012/5/2010 9:57:08 PM
STLRacer$30.00$30.0012/6/2010 11:44:29 AM
RichDadPoorDad$25.00$25.0012/6/2010 5:52:14 AM
grampy48$40.00$40.0012/6/2010 6:59:03 AM
El_Maestro$25.00$25.0012/6/2010 2:20:24 PM
quantumwellguy$50.00$50.0011/29/2010 2:58:26 PM
Avala$100.00$100.0011/29/2010 2:59:33 PM
tech310$50.00$50.0011/29/2010 2:59:53 PM
FlexFunding$50.00$50.0011/29/2010 2:56:29 PM
Ripsaw4U$75.00$75.0011/29/2010 3:07:59 PM
helpishere777$25.00$25.0011/29/2010 3:08:07 PM
elasermd$50.00$50.0011/29/2010 3:09:04 PM
Mantis75$25.00$25.0011/29/2010 3:09:20 PM
snowman34$25.00$25.0011/29/2010 3:09:47 PM
forthright-dedication$25.00$25.0011/29/2010 3:09:53 PM
Jassi$25.00$25.0011/29/2010 3:10:06 PM
NycDean$25.00$25.0011/29/2010 3:10:24 PM
forrestgump$50.00$50.0011/29/2010 3:10:39 PM
diablorulz$50.00$50.0011/29/2010 3:10:50 PM
Rivervale_Westwood$25.00$25.0011/29/2010 3:08:27 PM
financelover$50.00$50.0011/29/2010 3:11:33 PM
bowdish1$100.00$100.0011/29/2010 3:09:56 PM
flypenguin$50.00$50.0011/29/2010 3:10:09 PM
Goodlender42$25.00$25.0011/29/2010 3:11:08 PM
Octavian315$35.00$35.0011/29/2010 3:13:59 PM
Mariner3605$25.00$25.0011/29/2010 3:11:49 PM
BuckeyeBanker$50.00$50.0011/29/2010 3:11:52 PM
roadtruck$50.00$50.0011/29/2010 3:11:59 PM
vigorous-velocity$100.00$100.0011/29/2010 3:12:16 PM
fcukciti$25.00$25.0011/29/2010 3:15:34 PM
indomitable-coin$50.00$50.0011/29/2010 3:13:18 PM
bruin558$50.00$50.0011/29/2010 3:16:51 PM
sngndnc$25.00$25.0011/29/2010 3:13:56 PM
kenji4861$50.00$4.9711/29/2010 3:17:06 PM
Havana21$100.00$100.0011/29/2010 3:05:50 PM
investment-network$25.00$25.0011/29/2010 3:06:02 PM
slartibardfast$30.00$30.0011/29/2010 3:15:30 PM
upright-commitment5$50.00$50.0011/29/2010 3:16:43 PM
brightest-affluence-motivator$100.00$100.0011/29/2010 3:08:59 PM
money-surge1$25.00$25.0011/29/2010 3:09:10 PM
chekat$25.00$25.0011/29/2010 3:09:40 PM
SDNLR$25.00$25.0011/29/2010 3:10:18 PM
Emgolda$25.00$25.0011/29/2010 3:10:35 PM
C_Mark$50.00$50.0011/29/2010 3:11:02 PM
newest-sensible-hope$50.00$50.0011/29/2010 3:13:15 PM
Toby1montana$100.00$100.0011/29/2010 3:13:32 PM
goldie414$50.00$50.0011/29/2010 3:13:52 PM
respectablename$50.00$50.0011/29/2010 3:13:57 PM
dharma1$50.00$50.0011/29/2010 3:14:46 PM
ichibon$150.00$150.0011/29/2010 3:14:57 PM
penny-plato$25.00$25.0011/29/2010 4:32:25 PM
LiquidRaptor$25.00$25.0011/29/2010 4:59:24 PM
Bank_Of_XL$25.00$25.0011/29/2010 6:40:18 PM
restless-balance9$50.00$50.0011/30/2010 5:27:59 AM
dma1206$25.00$25.0011/30/2010 10:59:31 AM
Quiz18$29.00$29.0011/30/2010 10:55:02 AM
ivar$25.00$25.0011/30/2010 3:52:07 PM
frankandirene$25.00$25.0011/30/2010 4:31:25 PM
Dan4703$25.00$25.0012/1/2010 4:06:52 AM
MrSolution$25.00$25.0012/1/2010 2:59:16 PM
Helping-One-Another$42.04$42.0412/1/2010 5:11:26 PM
BristolGarden$50.00$50.0012/1/2010 6:13:29 PM
nav1elt$26.00$26.0012/2/2010 3:43:11 AM
integrity-palace1$25.00$25.0012/1/2010 9:56:45 PM
alaskanbearcub$25.00$25.0012/2/2010 10:59:18 AM
quantumwellguy$50.00$50.0012/2/2010 6:36:29 AM
thaddeuscm$25.00$25.0012/2/2010 3:56:43 PM
Hondo$25.00$25.0012/2/2010 1:48:24 PM
Bread2Lend$25.00$25.0012/2/2010 9:06:35 AM
engaging-worth$25.00$25.0012/2/2010 5:34:18 PM
balance-force$50.00$50.0012/2/2010 10:09:51 PM
Scotcha$50.00$50.0012/2/2010 7:54:24 PM
peace-missile$50.00$50.0012/3/2010 5:39:25 AM
dcap3$25.00$25.0012/3/2010 5:19:17 AM
ttnk62918$25.00$25.0012/3/2010 12:03:37 PM
rockytop$56.00$56.0012/3/2010 1:33:22 PM
secureincome$2,500.00$2,500.0012/3/2010 5:30:39 PM
LawyerLoan$25.00$25.0012/3/2010 3:09:04 PM
mclean_loaner$50.00$50.0012/3/2010 4:15:07 PM
samurai2$30.00$30.0012/3/2010 7:44:57 PM
bkb7484$25.00$25.0012/4/2010 3:45:16 AM
wampum-chorus3$50.00$50.0012/4/2010 5:23:43 AM
velocity-solo$25.00$25.0012/4/2010 8:17:39 AM
ssgt95068$25.00$25.0012/4/2010 6:13:32 AM
Earnest_Money$25.00$25.0012/4/2010 3:03:49 PM
calimanusa$25.00$25.0012/4/2010 3:56:20 PM
floridahelper$80.00$80.0012/4/2010 5:37:16 AM
reflective-rupee$25.00$25.0012/4/2010 8:59:34 PM
bull_lender$25.00$25.0012/4/2010 9:50:48 PM
skidwick$25.00$25.0012/4/2010 9:57:07 AM
historyman$25.00$25.0012/5/2010 6:40:30 AM
mytime06$25.00$25.0012/5/2010 7:24:40 AM
keichi03$25.00$25.0012/4/2010 6:50:58 PM
senior1$25.00$25.0012/4/2010 7:39:09 PM
happyface$60.00$60.0012/5/2010 3:18:16 PM
availableloan$25.00$25.0012/5/2010 3:54:58 PM
bankisopen$200.00$200.0012/5/2010 1:51:16 PM
NoNameLender$50.00$50.0012/5/2010 2:24:32 PM
GGWC$25.00$25.0012/6/2010 1:49:28 AM
happyface$50.00$50.0012/5/2010 3:17:44 PM
Dollars4Rent$25.00$25.0012/5/2010 11:26:29 AM
shadowflame_99$25.00$25.0012/6/2010 5:52:17 AM
vibrant-durability$50.00$50.0012/5/2010 12:08:53 PM
calbertrand$25.00$25.0012/6/2010 10:49:11 AM
ethicalhumanist$50.00$50.0012/5/2010 2:25:55 PM
grasscutter$100.00$100.0012/6/2010 9:15:29 AM
missoula$50.00$50.0012/6/2010 9:48:30 AM
loanman2007$75.00$75.0012/6/2010 1:06:32 PM
Rearden_Steel$25.00$25.0012/6/2010 9:41:25 AM
redtilapia$25.00$25.0012/6/2010 12:47:34 PM
csandb$25.00$25.0012/6/2010 1:45:03 PM
191 bids
 
Borrower Payment Dependent Notes Series 485991
This series of Notes was issued and sold upon the funding of the borrower loan #45805, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $163.58
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $163.58
 
Auction yield range: 3.57% - 9.95% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1989 Debt/Income ratio: 10%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52,933Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: Naper Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest balances
Purpose of loan:
This loan will be used to pay off a partial credit card balance which is at 24% interest rate.? The new credit card law allows any payment made over the minimum due to be applied to the highest interest rate.? By applying this loan against that balance, I can get rid of the high interest rate.? All of my other card balances average around 10% or?less?interest, it's only this high rate balance I am trying to get rid of.

My financial situation:
I am a good candidate for this loan because I have a very?stable job with a very stable company.? I am a Solutions Architect in an IT department and was hired two years ago during the height of the recession after being an independent contractor for the same company for 8+ years.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
indomitable-coin$50.00$50.0011/29/2010 3:02:49 PM
organized-payment6$50.00$50.0011/29/2010 3:03:28 PM
enthralling-deal180$50.00$50.0011/29/2010 3:01:35 PM
simplelender80$250.00$250.0011/29/2010 3:04:03 PM
hopeful-truth5$100.00$100.0011/29/2010 3:05:02 PM
tolerant-dinero2$25.00$25.0011/29/2010 3:09:34 PM
melodious-fairness$50.00$50.0011/29/2010 3:07:54 PM
nickel-ferret$50.00$50.0011/29/2010 2:57:10 PM
Ripsaw4U$50.00$50.0011/29/2010 2:58:04 PM
proper-commitment5$25.00$25.0011/29/2010 3:00:00 PM
dunox$25.00$25.0011/29/2010 3:00:24 PM
ray1051$75.00$75.0011/29/2010 3:03:06 PM
platinum-celebration4$25.00$25.0011/29/2010 3:06:57 PM
greenback-guard$25.00$25.0011/29/2010 3:23:27 PM
magnificent-income7$50.00$50.0011/29/2010 5:06:16 PM
penny-plato$25.00$25.0011/29/2010 4:27:51 PM
green-unrivaled-felicity$50.00$50.0011/29/2010 8:56:13 PM
power-secret-agent$25.00$25.0011/30/2010 3:30:05 AM
The-Lighthouse-Group$25.00$25.0011/30/2010 4:16:19 AM
melodious-fairness$50.00$50.0011/30/2010 10:50:00 AM
balance-force$25.00$25.0011/30/2010 2:18:49 PM
interstellar$50.00$50.0012/1/2010 1:45:25 AM
microfunder$35.00$35.0012/1/2010 9:00:33 AM
fund-javelin1$25.00$25.0012/1/2010 10:06:39 AM
midifool$25.00$25.0012/1/2010 3:22:59 PM
dproxima$25.00$25.0012/1/2010 4:42:53 PM
integrity-palace1$25.00$25.0012/1/2010 10:32:51 PM
sadani$25.00$25.0012/2/2010 12:38:24 PM
loaner-dude$50.00$50.0012/2/2010 1:06:04 PM
Drewkeeper$25.00$25.0012/2/2010 7:54:58 PM
serene-capital$35.00$35.0012/2/2010 11:51:21 PM
gustavholstopus32$25.00$25.0012/3/2010 5:37:53 AM
spiff666$25.00$25.0012/3/2010 6:47:57 AM
octoberfresh$25.00$25.0012/3/2010 7:24:16 AM
blindtaxidriver$25.00$25.0012/3/2010 2:31:37 AM
calbertrand$25.00$25.0012/3/2010 12:52:44 PM
ttnk62918$25.00$25.0012/3/2010 12:00:35 PM
availableloan$25.00$25.0012/3/2010 4:24:48 PM
thoughtful-community7$25.00$25.0012/3/2010 4:20:08 PM
rce1964$25.00$25.0012/4/2010 1:45:52 AM
Nusk$50.00$50.0012/4/2010 1:49:53 AM
Oak-Parker$25.00$25.0012/3/2010 7:30:12 PM
Brklyn01$25.00$25.0012/5/2010 3:22:03 AM
soular21804$25.00$25.0012/5/2010 4:37:37 AM
philantist$25.00$25.0012/4/2010 8:58:46 PM
reflective-rupee$25.00$25.0012/4/2010 9:38:28 PM
TBCapitol$61.06$61.0612/5/2010 9:46:28 PM
Allichar$31.84$31.8412/4/2010 8:17:21 PM
Barrayaran$25.00$25.0012/4/2010 11:38:56 PM
Hey_Joe$25.00$25.0012/5/2010 7:10:07 AM
payout-detective7$56.52$56.5212/6/2010 5:52:10 AM
REITRUST$25.00$25.0012/6/2010 11:57:36 AM
credit-panda1$25.00$25.0012/6/2010 9:09:41 AM
sadhikari$25.00$25.0012/5/2010 6:37:50 PM
noble-marketplace$25.00$25.0012/6/2010 2:08:20 PM
CULPEPPERGROUP$25.00$25.0012/6/2010 2:43:55 PM
AuroraRobbin$50.00$50.0012/6/2010 5:37:40 AM
OKPapa$25.00$25.0012/6/2010 2:54:28 PM
friendly-principal76$25.00$25.0012/6/2010 12:09:07 PM
sudeep104$25.00$25.0012/6/2010 12:38:53 PM
ethicalhumanist$50.00$50.0012/6/2010 12:44:12 PM
Jarod213$25.00$25.0012/6/2010 1:09:55 PM
bxdoc$100.00$100.0011/29/2010 3:03:03 PM
Pulchritudinous$25.00$25.0011/29/2010 3:05:23 PM
jazzlender$25.00$25.0011/29/2010 3:02:01 PM
finance_mba$25.00$25.0011/29/2010 3:06:40 PM
AFairDeal$50.00$50.0011/29/2010 3:07:18 PM
skuba$25.00$25.0011/29/2010 3:07:33 PM
delicious-social132$50.00$50.0011/29/2010 3:03:16 PM
kulender$100.00$100.0011/29/2010 3:05:16 PM
friendly-helper100$50.00$50.0011/29/2010 3:05:30 PM
tech310$50.00$50.0011/29/2010 2:57:04 PM
understanding-affluence5$30.00$30.0011/29/2010 3:14:30 PM
careful-note$100.00$100.0011/29/2010 3:15:06 PM
ASR3$25.00$25.0011/29/2010 3:07:05 PM
ichibon$150.00$82.7911/29/2010 3:15:24 PM
newest-bountiful-basis$25.00$25.0011/29/2010 3:20:45 PM
retiresecure$25.00$25.0011/29/2010 5:03:54 PM
promise2$100.00$100.0011/30/2010 12:39:04 PM
Hola_James$36.00$36.0011/30/2010 12:37:56 PM
dma1206$25.00$25.0011/30/2010 3:25:22 PM
nbah123$50.00$50.0011/30/2010 4:09:17 PM
vutah$25.00$25.0011/30/2010 8:08:34 PM
i3urtonair$25.00$25.0011/30/2010 8:56:54 PM
MonkeyHero$33.13$33.1311/30/2010 9:43:32 PM
wild_carrot$25.00$25.0012/1/2010 1:38:13 AM
wwwUniversal$25.00$25.0012/1/2010 3:11:46 AM
vutah$25.00$25.0011/30/2010 8:08:06 PM
bradny$25.00$25.0012/1/2010 6:40:00 PM
RyanTH9893$25.01$25.0112/1/2010 7:39:33 PM
barkochva$25.00$25.0012/2/2010 5:06:10 AM
enya4ever$30.00$30.0012/2/2010 6:38:51 AM
BankofRa$25.00$25.0012/2/2010 5:58:01 PM
giantfan19$36.00$36.0012/2/2010 7:27:09 PM
Bank_of_E-Ville$25.92$25.9212/2/2010 8:19:17 PM
newest-funds-powerplant$50.00$50.0012/2/2010 8:47:43 PM
moneytolend72$25.00$25.0012/3/2010 7:28:22 AM
giovani$25.00$25.0012/3/2010 1:29:49 PM
1SteelerFan$25.00$25.0012/3/2010 3:39:46 PM
rcj1411$50.00$50.0012/3/2010 6:55:40 PM
benefit-trident$25.00$25.0012/4/2010 8:47:56 AM
focused-wampum$25.00$25.0012/3/2010 7:09:37 PM
chameleon125$25.00$25.0012/4/2010 10:39:12 AM
Nazbuster$200.00$200.0012/4/2010 5:39:07 PM
Bieling$25.00$25.0012/4/2010 6:46:30 PM
thankful-nickel2$25.00$25.0012/4/2010 7:18:38 PM
Spiv_51$25.00$25.0012/4/2010 5:59:33 AM
JerryB96$25.00$25.0012/4/2010 7:46:47 AM
p2p-eagle9$25.00$25.0012/5/2010 8:28:16 AM
gilbrear$25.00$25.0012/4/2010 12:57:52 PM
Onlyhappycustomers$25.00$25.0012/5/2010 6:50:41 AM
Washington_Loan$25.00$25.0012/5/2010 4:41:35 PM
GGWC$25.00$25.0012/6/2010 1:54:42 AM
commerce-yeller$100.00$100.0012/6/2010 5:57:37 AM
cedar5$25.00$25.0012/4/2010 10:00:48 PM
Richmp412$25.00$25.0012/6/2010 6:35:42 AM
bicyclist2270$25.00$25.0012/5/2010 7:33:04 PM
wojo$25.00$25.0012/6/2010 8:15:32 AM
mgking007$25.00$25.0012/5/2010 11:25:53 AM
LindaRicci$25.00$25.0012/6/2010 10:02:00 AM
nickel-position$25.00$25.0012/6/2010 12:09:09 PM
moneytolend72$25.00$25.0012/6/2010 12:14:44 PM
p2p-rider7$25.00$25.0012/5/2010 5:21:52 PM
p2p-rider7$50.00$50.0012/6/2010 1:24:38 PM
forthright-trade$25.00$25.0012/6/2010 10:02:59 AM
HomerdohNY$25.00$25.0012/6/2010 10:10:32 AM
scotty61$25.00$25.0012/5/2010 9:55:27 PM
utt959$56.73$56.7312/6/2010 2:08:49 PM
broker558$25.00$25.0012/6/2010 2:21:32 PM
Astyanax$50.00$50.0012/6/2010 12:08:45 PM
economy-beast$50.00$50.0012/6/2010 7:01:17 AM
131 bids
 
Borrower Payment Dependent Notes Series 486057
This series of Notes was issued and sold upon the funding of the borrower loan #45837, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-04-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $327.49
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $327.49
 
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: Sep-2005 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $751Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: nykbbal 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
Inventory for Textbook Season
Purpose of loan:
This loan will be used to facilitate the purchase of textbooks from college students and the end of the semester at various local universities.? Current available cash totals $8,000.00 and approximately $7,500.00 more is needed to make the end of the semester buyback season a success.? The loan will be paid off soon after inventory is sold.? Inventory turnover is approximately 35 days and the loan will be covered by slowly depreciating assets with textbooks depreciating at less than 20% per year.

My financial situation:
I am a good candidate for this loan because the profitable business is generating enough revenue to cover this loan.? I have a bachelor's degree in Finance with a minor in Economics from a New York State public university, graduating cum laude.? I am very regular with my payments.? I also live with my parents while this business is getting off of the ground.

Monthly net income: $ 2800
($2000 from job) ?????
($800 from business) ?? ???

Monthly expenses: $ 1250 ????
??Housing: $ 100
??Insurance: $ 40
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, internet: $ 10
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500 (student loans)
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: what is your main job? How long have you been doing buying/selling textbooks? How do you sell those books, thru internet, school or others? Thanks, - p2ploan-sensation211
A: I am a produce salesman for a medium sized farm as well as an occasional general laborer for the farm as well. The business started in November of 2008 while I was a junior in college and most of the books are sold through our website on the internet. If you would like the website address, please private message me. Thanks! (Dec-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0011/29/2010 2:58:35 PM
jazzlender$25.00$25.0011/29/2010 3:19:17 PM
bid-czar8$100.00$100.0011/29/2010 3:22:36 PM
tech310$25.00$25.0011/29/2010 3:25:29 PM
DonaldColorado$50.00$50.0011/29/2010 3:20:17 PM
simplelender80$100.00$100.0011/29/2010 3:30:55 PM
paytonbrigadier$200.00$200.0011/29/2010 3:21:23 PM
beakerfish$50.00$50.0011/29/2010 5:42:18 PM
nickel-hickory$50.00$50.0011/29/2010 10:43:00 PM
astute-investment5$25.00$25.0011/30/2010 11:59:23 AM
soulful-truth$32.55$32.5511/30/2010 11:59:16 AM
reflective-rupee$100.00$100.0011/30/2010 10:32:24 AM
kind-adventurous-finance$50.00$50.0011/30/2010 3:43:28 PM
ichibon$25.00$25.0012/1/2010 9:59:33 AM
_NaLNaBB$75.00$75.0012/1/2010 11:04:11 AM
handshake5$100.00$100.0012/1/2010 3:06:25 PM
Redmond$25.00$25.0012/1/2010 2:01:17 PM
Mariner3605$50.00$50.0012/1/2010 2:04:23 PM
jamiee73$25.00$25.0012/1/2010 4:59:13 PM
economy-synapse$25.00$25.0012/1/2010 7:53:17 PM
investment-comet$25.00$25.0012/2/2010 1:59:26 PM
orange-preeminant-bill$31.76$31.7612/3/2010 11:36:00 AM
nybanker85$25.00$25.0012/3/2010 11:18:59 AM
flexible-income9$25.00$25.0012/3/2010 11:19:12 AM
hope-eagle6$25.00$25.0012/3/2010 12:17:37 PM
AF-Chief$50.00$50.0012/3/2010 12:17:51 PM
NoCal$25.00$25.0012/3/2010 12:18:07 PM
consummate-loyalty1$62.86$62.8612/3/2010 12:18:39 PM
aggresive-loyalty$27.00$27.0012/3/2010 12:19:06 PM
scrappy-diversification7$3,000.00$3,000.0012/3/2010 12:02:25 PM
treasure-bliss$50.00$50.0012/3/2010 12:04:33 PM
be_wise$25.00$25.0012/3/2010 12:17:52 PM
PrivateLoaner$50.00$50.0012/3/2010 12:17:59 PM
burrito6$25.00$25.0012/3/2010 12:18:15 PM
bold-principal-thinker$25.00$25.0012/3/2010 12:18:26 PM
theincarnatemike$25.00$4.1512/3/2010 12:19:07 PM
melodious-openness$200.00$200.0012/3/2010 2:16:45 PM
the-dollar-topper$100.00$100.0012/3/2010 11:40:56 AM
LiveNow$25.00$25.0012/3/2010 12:04:34 PM
LenderOnWheels$25.00$25.0012/3/2010 12:17:46 PM
0600Zulu$25.00$25.0012/3/2010 12:17:54 PM
active-market$25.91$25.9112/3/2010 12:18:32 PM
missing-link$40.06$40.0612/3/2010 12:18:42 PM
famous-hope$25.00$25.0012/3/2010 12:19:05 PM
economy-synapse$75.00$75.0012/3/2010 6:45:06 PM
yield-scout8$25.00$25.0012/4/2010 1:33:51 AM
alexgalt$25.00$25.0012/4/2010 1:40:12 AM
ASR3$25.00$25.0011/29/2010 3:12:26 PM
kulender$100.00$100.0011/29/2010 3:14:07 PM
Artist_Blue$25.00$25.0011/29/2010 3:26:25 PM
alexgalt$100.00$100.0011/29/2010 3:28:53 PM
money-bauble$25.00$25.0011/29/2010 3:32:34 PM
greenback-guard$25.00$25.0011/29/2010 3:23:30 PM
trade-boots1$100.00$100.0011/29/2010 3:24:25 PM
nickel-hickory$25.00$25.0011/29/2010 3:40:56 PM
diplomatic-wealth7$25.00$25.0011/29/2010 3:28:00 PM
bulsa$50.00$50.0011/30/2010 8:07:46 AM
bountiful-durability$100.00$100.0011/30/2010 11:59:31 AM
worthy-bid8$50.00$50.0012/1/2010 10:43:13 AM
ThatDanGuy$100.00$100.0012/1/2010 7:33:30 AM
dedicated-transaction796$50.00$50.0012/1/2010 2:03:17 PM
alexgalt$25.00$25.0012/1/2010 10:11:55 PM
gain-gourd$58.58$58.5812/2/2010 12:11:50 PM
competent-p2p$25.00$25.0012/2/2010 11:11:07 AM
visionary-currency$25.00$25.0012/2/2010 8:29:24 AM
credit-sycamore4$100.00$100.0012/2/2010 3:00:50 PM
newest-generous-income$25.00$25.0012/2/2010 9:34:43 AM
reflective-rupee$100.00$100.0012/3/2010 8:24:39 AM
reflective-rupee$100.00$100.0012/3/2010 8:24:22 AM
shrewd-peace7$25.00$25.0012/3/2010 12:16:45 PM
balanced-dime7$25.00$25.0012/3/2010 12:17:50 PM
crawfingers$25.00$25.0012/3/2010 11:42:20 AM
_NaLNaBB$190.00$190.0012/3/2010 1:49:20 PM
gallant-economy9$80.97$80.9712/3/2010 12:18:21 PM
new-social-economist$60.00$60.0012/3/2010 12:18:37 PM
inspiring-reward$132.27$132.2712/3/2010 12:18:41 PM
natural-greenback6$25.00$25.0012/3/2010 12:18:47 PM
JustMee$25.00$25.0012/3/2010 12:08:00 PM
LuvToLend$25.00$25.0012/3/2010 12:11:38 PM
radiant-loan5$25.00$25.0012/3/2010 12:18:05 PM
suave-dime6$25.00$25.0012/3/2010 12:18:48 PM
FeedTheMachine$50.00$50.0012/3/2010 12:18:51 PM
britches613$25.00$25.0012/3/2010 12:19:03 PM
on_your_side$28.89$28.8912/3/2010 5:21:01 PM
SolarMoonshine$50.00$50.0012/3/2010 5:26:27 PM
intuitive-velocity4$50.00$50.0012/3/2010 4:16:38 PM
ksubd$50.00$50.0012/4/2010 8:05:31 AM
deal-promiser$25.00$25.0012/3/2010 8:08:59 PM
88 bids
 
Borrower Payment Dependent Notes Series 486219
This series of Notes was issued and sold upon the funding of the borrower loan #45831, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Nov-30-2010 
  Auction end date:  Dec-07-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
Final lender yield: 29.40% Final borrower rate/APR: 30.40% / 34.02% Final monthly payment: $149.35
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 25.72%  
Lender servicing fee: 1.00% Estimated return: 3.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-2001 Debt/Income ratio: 68%
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,869Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: PremierJewler 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? consolidate and pay off 5 credit cards. By putting these amounts together as one monthly payment I feel this will allow me to make more progress in paying off the total debt.

My financial situation:
I am a good candidate for this loan because? I have a stable job that I have been at for 2 years with a promotion in the works. I need this boast to get ahead on some other bills and provide myself more of a cushion financially. I am already making these payments monthly so combining them is not going to put any additional burden on my financial situation. If anything it will help it by allowing me to make more progress by making one payment and if any extra money is available, I can add it to my payment to see results quicker. *Please note the information in the borrower's credit profile is incorrect. I do own my house and I have lived in it for 15 months already. I will take a look at why that is not showing on my credit report.

Monthly net income: $ 1700 ????

Monthly expenses: $ 1000

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glroark$50.00$50.0011/30/2010 2:07:05 PM
alexgalt$100.00$100.0011/30/2010 2:12:07 PM
alexgalt$25.00$25.0012/1/2010 10:13:57 PM
good4loan$25.00$25.0012/2/2010 4:38:01 PM
boodo$103.00$103.0012/3/2010 5:43:50 AM
SolarMoonshine$50.00$50.0012/3/2010 5:51:25 PM
PXM-Financial$40.00$40.0012/4/2010 10:27:31 PM
chameleon125$50.00$50.0012/6/2010 6:55:58 AM
BDS$43.99$43.9912/6/2010 2:36:06 PM
investment-artist$25.00$25.0012/6/2010 9:40:47 AM
hillerod$25.00$25.0012/6/2010 5:00:27 PM
nashibaksi$25.00$25.0012/6/2010 6:44:35 PM
LendToCause$25.00$25.0012/6/2010 7:51:05 PM
melodious-openness$400.00$400.0012/6/2010 7:16:26 PM
wlm3012$25.00$25.0012/7/2010 6:30:47 AM
carrinel$50.00$50.0012/7/2010 8:02:27 AM
gothampark$25.00$25.0012/6/2010 8:08:29 PM
sturdy-peace9$50.00$50.0012/6/2010 11:02:40 PM
icanhasloanz$100.00$100.0012/7/2010 12:31:24 PM
ultimate-peace$200.00$149.0112/7/2010 12:36:58 PM
shrewd-income$25.00$25.0012/7/2010 9:34:58 AM
payout-bridge$25.00$25.0012/7/2010 1:50:52 PM
Bob450$25.00$25.0012/7/2010 9:52:13 AM
moneybags16$25.00$25.0012/7/2010 9:58:05 AM
capital-chief0$25.00$25.0012/7/2010 10:24:04 AM
bonus-quark4$25.00$25.0012/7/2010 12:15:24 PM
honey-money$25.00$25.0012/7/2010 9:07:13 AM
MarvintheMartian$29.00$29.0012/7/2010 12:06:29 PM
head$25.00$25.0012/1/2010 9:36:46 AM
penny-sergeant$25.00$25.0012/2/2010 12:21:42 PM
loanman2007$100.00$100.0012/2/2010 11:28:17 AM
genuine-integrity0$25.00$25.0012/4/2010 4:40:27 AM
fantastic-deal5$100.00$100.0012/6/2010 6:38:48 AM
Kash2010lu$50.00$50.0012/5/2010 8:35:43 AM
convergentthinker$25.00$25.0012/6/2010 3:31:21 PM
Moe87$25.00$25.0012/6/2010 3:28:15 PM
clemclan$25.00$25.0012/6/2010 5:45:45 PM
Feyenoord$25.00$25.0012/6/2010 7:07:11 PM
brondero$55.00$55.0012/6/2010 6:36:00 PM
ustfu$25.00$25.0012/6/2010 9:28:28 PM
JerryB96$25.00$25.0012/7/2010 6:38:25 AM
FinanceEngine$25.00$25.0012/7/2010 8:36:34 AM
houli123$1,000.00$1,000.0012/7/2010 9:29:53 AM
credit-guard5$25.00$25.0012/7/2010 11:29:52 AM
coin-sphinx4$100.00$100.0012/7/2010 9:40:34 AM
american-investor$30.00$30.0012/7/2010 10:44:54 AM
investment-happiness$100.00$100.0012/7/2010 1:24:58 PM
Astyanax$50.00$50.0012/7/2010 10:12:07 AM
Bcs-cnc$50.00$50.0012/7/2010 10:29:25 AM
49 bids
 
Borrower Payment Dependent Notes Series 486231
This series of Notes was issued and sold upon the funding of the borrower loan #45832, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,100.00 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: $130.75
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $130.75
 
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: Jul-2001 Debt/Income ratio: 18%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,990Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: marketplace-umbrella 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.
Description
Paying off Credit Card
Purpose of loan:
This loan will be used to? to pay a high interest credit card

My financial situation:
I am a good candidate for this loan because? I have never missed any payment(s), I have a good credit scrore and I have the financial capacity to pay the monthly payments. Please be free to ask for any additional information.

I promise you that the money will be used wisely!

Monthly net income: $ 4,100.00
Mortgage: $976.00 monthly
Car loans: 2 cars, $650.00 for both, monthly + insurance

Status: Single, no kids

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: Did the rest of your monthly expenses get cutoff from the listing? It only accounts for ~$1600 a month. Also, more out of curiosity, why 2 cars? - FIRE09
A: Why 2 cars? My ex-wife kept one of the cars, the agreement was that I will keep paying it (with its insurance) until it is completely paid off. Utilities: $200.00 Internet, Cable & Phone: $200.00 Credit Card payments: $300.00 Let me know if you need additional information. (Dec-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
hopeful-truth5$75.00$75.0012/1/2010 3:39:49 PM
Thylow$25.00$25.0012/1/2010 3:45:44 PM
finance-prescription$50.00$50.0012/1/2010 3:47:17 PM
finance-prescription$100.00$100.0012/1/2010 3:47:25 PM
commerce-yeller$25.00$25.0012/1/2010 3:50:02 PM
kulender$50.00$50.0012/1/2010 3:53:10 PM
reflective-rupee$100.00$100.0012/1/2010 4:01:53 PM
graceful-investment$100.00$100.0012/1/2010 3:38:11 PM
building_community$50.00$50.0012/1/2010 4:00:06 PM
nilonc1$150.00$150.0012/1/2010 7:14:18 PM
ASR3$25.00$25.0012/1/2010 3:46:54 PM
SolarMoonshine$50.00$50.0012/1/2010 5:43:44 PM
env$25.00$25.0012/1/2010 4:18:53 PM
lendstats_com$200.00$200.0012/1/2010 4:45:04 PM
Whipster$25.00$25.0012/1/2010 4:45:21 PM
economy-synapse$25.00$25.0012/1/2010 7:53:43 PM
worthy-bid8$50.00$50.0012/1/2010 10:36:23 PM
Requiem$25.00$25.0012/2/2010 7:38:16 AM
asset-professor$50.00$45.0012/2/2010 8:33:19 AM
EngineersAlliance$100.00$100.0012/3/2010 8:35:03 AM
HammerSmith$25.00$25.0012/3/2010 9:54:30 AM
reflective-rupee$100.00$100.0012/3/2010 8:34:57 AM
felicity-festival$25.00$25.0012/1/2010 3:40:46 PM
DonaldColorado$50.00$50.0012/1/2010 3:47:57 PM
bid-czar8$100.00$100.0012/1/2010 3:48:33 PM
diplomatic-wealth7$25.00$25.0012/1/2010 3:49:25 PM
simplelender80$100.00$100.0012/1/2010 3:46:59 PM
ichibon$50.00$50.0012/1/2010 3:54:21 PM
Artist_Blue$25.00$25.0012/1/2010 3:54:47 PM
Redmond$25.00$25.0012/1/2010 3:56:16 PM
handshake5$100.00$100.0012/1/2010 3:56:47 PM
TeaHouseFinance$25.00$25.0012/1/2010 4:12:00 PM
money-bauble$25.00$25.0012/1/2010 3:42:37 PM
Thylow$100.00$100.0012/1/2010 3:45:46 PM
Thylow$25.00$25.0012/1/2010 3:46:42 PM
paytonbrigadier$200.00$200.0012/1/2010 3:48:15 PM
nickel-hickory$50.00$50.0012/1/2010 3:51:11 PM
ThatDanGuy$100.00$100.0012/1/2010 3:53:31 PM
penny-plato$25.00$25.0012/1/2010 4:13:43 PM
alexgalt$25.00$25.0012/1/2010 10:14:35 PM
Cai8899$25.00$25.0012/2/2010 12:59:24 AM
fuzed$55.00$55.0012/2/2010 9:54:59 AM
loanman2007$175.00$175.0012/2/2010 11:39:49 AM
wonder3$25.00$25.0012/2/2010 6:09:54 AM
1-HARD-HEAD$25.00$25.0012/2/2010 4:13:56 PM
Bob450$25.00$25.0012/2/2010 4:45:01 PM
mercuriant$25.00$25.0012/2/2010 11:49:59 PM
mt3209$25.00$25.0012/3/2010 2:31:13 AM
first-serene-credit$25.00$25.0012/3/2010 5:52:34 AM
bonecrusher$25.00$25.0012/3/2010 8:31:43 AM
wwwUniversal$25.00$25.0012/3/2010 8:37:40 AM
reflective-rupee$100.00$100.0012/3/2010 8:35:11 AM
musegaze$50.00$50.0012/3/2010 10:41:44 AM
53 bids
 
Borrower Payment Dependent Notes Series 486281
This series of Notes was issued and sold upon the funding of the borrower loan #45826, 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:  Dec-01-2010 
  Auction end date:  Dec-06-2010 
 
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: Feb-1999 Debt/Income ratio: 27%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 12 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $777Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: orbital-asset4 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Family Emergency
Purpose of loan: I need this loan to fix a family emergency. My girlfriend is facing jail time if I am unable to come up with a debt that she owes and cannot satisfy on her own at this point, I don't want her 4 kids to spend the holiday season with their mother behind bars. I realize it was something that could have clearly been avoided, but it's done. I'm reaching out to my fellow Americans to help me when I need it most.
My financial situation:
I am a good candidate for this loan because? I make more money than I have bills to pay. I do my best to pay my bills on time, and like most people I am not perfect. I've never filed for any debt consolidation or bankruptcy protection.

Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $ 600
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??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
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0012/1/2010 3:38:15 PM
transaction-circuit$50.00$50.0012/1/2010 3:42:10 PM
simplelender80$100.00$100.0012/1/2010 3:50:14 PM
Artist_Blue$25.00$25.0012/1/2010 3:54:44 PM
greenback-guard$25.00$25.0012/1/2010 3:56:28 PM
Redmond$25.00$25.0012/1/2010 3:56:04 PM
jamiee73$25.00$25.0012/1/2010 4:59:08 PM
paytonbrigadier$200.00$200.0012/1/2010 3:48:16 PM
beakerfish$75.00$75.0012/1/2010 11:03:32 PM
worthy-bid8$50.00$50.0012/1/2010 10:36:24 PM
blue-useful-auction$25.00$25.0012/2/2010 9:16:02 AM
daekpon$25.00$25.0012/2/2010 3:27:42 PM
visionary-currency$25.00$25.0012/2/2010 8:29:51 AM
jazzlender$25.00$25.0012/3/2010 12:05:17 PM
credit-sycamore4$100.00$34.2212/3/2010 12:19:55 PM
social-heart$25.00$25.0012/3/2010 12:39:50 PM
reflective-rupee$25.00$25.0012/3/2010 10:38:31 AM
the-dollar-topper$100.00$100.0012/3/2010 11:41:36 AM
newest-generous-income$25.00$25.0012/3/2010 12:19:41 PM
kind-responsible-affluence$25.00$25.0012/3/2010 2:03:59 PM
Runegeld$50.00$50.0012/4/2010 7:04:45 AM
thankful-nickel2$25.00$25.0012/5/2010 1:44:33 PM
nickel-position$25.00$25.0012/5/2010 2:31:21 PM
money-bauble$25.00$25.0012/1/2010 3:42:40 PM
bid-czar8$100.00$100.0012/1/2010 3:48:36 PM
handshake5$100.00$100.0012/1/2010 3:56:51 PM
ThatDanGuy$87.57$87.5712/1/2010 4:02:52 PM
ASR3$25.00$25.0012/1/2010 3:46:52 PM
DonaldColorado$50.00$50.0012/1/2010 3:47:58 PM
diplomatic-wealth7$25.00$25.0012/1/2010 3:49:28 PM
kulender$50.00$50.0012/1/2010 3:53:12 PM
ichibon$25.00$25.0012/1/2010 7:34:52 PM
foothillender$25.00$25.0012/2/2010 6:46:43 AM
economy-synapse$25.00$25.0012/1/2010 7:53:45 PM
asset-professor$50.00$50.0012/2/2010 8:33:17 AM
competent-p2p$25.00$25.0012/2/2010 11:11:20 AM
Share_The_Wealth$27.90$27.9012/2/2010 2:47:57 PM
bountiful-durability$100.00$100.0012/2/2010 12:11:11 PM
trade-boots1$60.28$60.2812/2/2010 3:22:49 PM
DHolly$30.00$30.0012/2/2010 4:20:43 PM
dedicated-transaction796$31.26$31.2612/2/2010 2:06:24 PM
bulsa$100.00$100.0012/3/2010 8:43:16 AM
ttnk62918$25.00$25.0012/3/2010 12:03:54 PM
gulch$50.00$50.0012/3/2010 12:04:54 PM
kind-adventurous-finance$48.49$48.4912/3/2010 11:37:28 AM
Mariner3605$34.62$34.6212/3/2010 12:19:48 PM
scrappy-diversification7$720.66$720.6612/3/2010 12:03:29 PM
Asian-Persuasion$25.00$25.0012/5/2010 11:01:09 PM
cunning-bill$25.00$25.0012/6/2010 5:07:10 PM
49 bids