Sales Report:Supplement No. 94 dated Dec 13, 2010 to Prospectus dated Jul 26, 2010File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 26, 2010 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
339464
This series of Notes was issued and sold upon the funding of the borrower loan #45907, 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-01-2010 |
| |
Auction end date:
| Dec-08-2010 |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 38.44% |
Starting monthly payment:
| $43.67 |
|
Final lender yield:
| 22.00% |
Final borrower rate/APR:
| 23.00% / 28.90% |
Final monthly payment:
| $38.71 |
| |
|
Auction yield range:
| 13.57% - 31.20% |
Estimated loss impact:
| 15.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.81% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 640-659 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,168 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| willowjoele |
Borrower's state:
| Texas |
Borrower's group:
| IM ONE OF THE BIGGEST LENDERS-I HAVE PROOF LOOK AT MY STATS |
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 debt consolidation
Purpose of loan:
This loan will be used?to maintain my truck. I am in my senior year of college. I am working also.
My financial situation:
I am a good candidate for this loan because? no bill goes unpaid. no matter what.
Monthly net income: $ 2100????
Monthly expenses: $1720
??Housing: $?560
??Insurance: $ 110
??Car expenses: $?260
??Utilities: $?50
??Phone, cable, internet: $?110
??Food, entertainment: $ 200
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 200
??Other expenses: Savings $120
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| investment-artist | $25.00 | $25.00 | 12/2/2010 9:28:39 AM |
| loanman2007 | $50.00 | $50.00 | 12/3/2010 10:52:29 AM |
| durable-economy2 | $25.00 | $25.00 | 12/6/2010 6:47:56 PM |
| wlm3012 | $25.00 | $25.00 | 12/7/2010 6:39:30 AM |
| paceme1 | $25.00 | $25.00 | 12/7/2010 3:37:07 PM |
| fantastic-deal5 | $25.00 | $9.56 | 12/8/2010 9:21:02 AM |
| lawstudent1 | $25.00 | $25.00 | 12/8/2010 5:46:57 AM |
| JGuide | $26.99 | $26.99 | 12/8/2010 1:10:46 PM |
| honey-money | $25.00 | $25.00 | 12/8/2010 3:01:53 PM |
| lendstats_com | $100.00 | $100.00 | 12/2/2010 11:35:20 AM |
| precious-coin3 | $25.00 | $25.00 | 12/5/2010 10:40:47 AM |
| rf7949 | $25.00 | $25.00 | 12/6/2010 2:31:34 AM |
| Jeddy | $33.83 | $33.83 | 12/7/2010 3:59:48 PM |
| Leshan | $54.62 | $54.62 | 12/8/2010 8:44:30 AM |
| Druidsoft | $25.00 | $25.00 | 12/7/2010 6:36:13 PM |
| wild-orange | $50.00 | $50.00 | 12/8/2010 12:59:01 PM |
| TFAD72 | $25.00 | $25.00 | 12/8/2010 1:10:14 PM |
| num1irish | $100.00 | $100.00 | 12/8/2010 2:34:43 PM |
| EretzCapital | $25.00 | $25.00 | 12/8/2010 3:24:45 PM |
| ultimate-peace | $300.00 | $300.00 | 12/8/2010 2:34:18 PM |
| 20 bids
|
Borrower Payment Dependent Notes Series
484268
This series of Notes was issued and sold upon the funding of the borrower loan #45806, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% |
Auction start date:
| Nov-15-2010 |
| |
Auction end date:
| Nov-22-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $180.71 |
|
Final lender yield:
| 24.00% |
Final borrower rate/APR:
| 25.00% / 28.50% |
Final monthly payment:
| $178.92 |
| |
|
Auction yield range:
| 10.57% - 24.75% |
Estimated loss impact:
| 10.39% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.61% | | |
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):
| 7 |
First credit line:
| Mar-1989 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,057 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| xsteedx |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 96% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 1
( 4% )
| 720-739
(Sep-2008)
|
|
Principal balance:
| $1,659.35 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
College Debt Consolidation
Purpose of loan:
Good day. I'm applying for this loan to consolidate debt from my five year college undergraduate experience. I recently graduated with a business degree and have about 3-4 loans I'd like to pay off and combine into one with Prosper. I am familiar with Prosper and this will be my second loan. I have never missed a payment with Prosper as noted above. I'm simply looking to advance myself in life now and get caught up so I can begin putting money away as a professional. Any help would be greatly appreciated! Thank you.
My financial situation:
I am a good candidate for this loan because?
I'm a good candidate for this loan because I pride myself on organization and take great responsibility in my financial life. I'm honest, hard working and always looking to stay ahead of the game in all aspects of life.
Monthly net income: $2,800
??Housing: $480
??Insurance: Paid by employer
??Car expenses: $0
??Utilities: $80
??Phone, cable, internet: $65
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ekmendenhall | $55.00 | $55.00 | 11/15/2010 3:42:39 PM |
| reflective-rupee | $44.00 | $44.00 | 11/15/2010 4:09:06 PM |
| JustMee | $25.00 | $25.00 | 11/16/2010 9:26:57 PM |
| william8 | $25.00 | $25.00 | 11/17/2010 9:16:05 AM |
| penny-plato | $25.00 | $25.00 | 11/18/2010 8:46:32 AM |
| Mighty_Hunter | $50.00 | $50.00 | 11/18/2010 11:25:31 AM |
| tomaswk | $50.00 | $50.00 | 11/18/2010 2:05:22 PM |
| Serpent2801 | $50.00 | $50.00 | 11/18/2010 1:21:41 PM |
| sfmf | $40.00 | $40.00 | 11/18/2010 3:20:11 PM |
| vine99 | $60.00 | $60.00 | 11/18/2010 5:23:43 PM |
| mikelance7 | $25.00 | $25.00 | 11/18/2010 7:03:28 PM |
| Bob450 | $25.00 | $25.00 | 11/18/2010 7:41:40 PM |
| 113121 | $400.00 | $400.00 | 11/18/2010 7:59:20 PM |
| thrilling-nickel5 | $25.00 | $25.00 | 11/18/2010 7:38:06 PM |
| SFBank | $300.00 | $300.00 | 11/18/2010 8:30:33 PM |
| heerzaquestion | $45.00 | $45.00 | 11/19/2010 5:27:52 AM |
| fabulous-community4 | $25.00 | $25.00 | 11/19/2010 3:27:24 AM |
| gjm6d | $25.00 | $25.00 | 11/19/2010 4:24:30 PM |
| well-mannered-income3 | $30.00 | $30.00 | 11/19/2010 4:11:23 PM |
| invest-in-ed | $70.00 | $70.00 | 11/20/2010 5:58:01 AM |
| Unicorn | $50.00 | $50.00 | 11/20/2010 9:47:14 AM |
| power-secret-agent | $25.00 | $25.00 | 11/20/2010 11:25:45 AM |
| grnii78 | $39.98 | $39.98 | 11/20/2010 7:56:02 AM |
| smear87 | $25.00 | $19.81 | 11/21/2010 2:15:03 AM |
| thankful-nickel2 | $25.00 | $25.00 | 11/20/2010 4:29:50 PM |
| head | $25.00 | $25.00 | 11/21/2010 2:09:45 PM |
| onecooldrink | $25.00 | $25.00 | 11/21/2010 2:28:53 PM |
| twjh | $25.00 | $25.00 | 11/21/2010 5:44:49 PM |
| exchange-dreams | $50.00 | $50.00 | 11/21/2010 12:40:44 PM |
| mpatrick | $25.00 | $25.00 | 11/21/2010 4:34:36 PM |
| aztocas | $25.00 | $25.00 | 11/21/2010 5:23:29 PM |
| papaloha | $100.00 | $100.00 | 11/22/2010 3:45:34 AM |
| 1stBankAndHal | $25.04 | $25.04 | 11/22/2010 8:57:13 AM |
| Feyenoord | $25.00 | $25.00 | 11/22/2010 6:39:06 AM |
| Cashlender1992 | $50.00 | $50.00 | 11/22/2010 10:45:52 AM |
| 2grindstones | $25.00 | $25.00 | 11/22/2010 9:42:11 AM |
| realtormoises | $25.00 | $25.00 | 11/22/2010 12:04:01 PM |
| HomerdohNY | $25.00 | $25.00 | 11/22/2010 11:28:43 AM |
| exciting-fairness | $200.00 | $200.00 | 11/22/2010 1:52:27 PM |
| moola-monger9 | $50.00 | $50.00 | 11/22/2010 1:41:32 PM |
| Mikale360 | $25.00 | $25.00 | 11/22/2010 1:52:09 PM |
| Astyanax | $50.00 | $50.00 | 11/22/2010 2:07:30 PM |
| social-heart | $51.00 | $51.00 | 11/22/2010 3:02:55 PM |
| reflective-rupee | $44.00 | $44.00 | 11/15/2010 4:08:49 PM |
| Mr-Miracle | $25.00 | $25.00 | 11/15/2010 9:37:07 PM |
| foothillender | $25.00 | $25.00 | 11/16/2010 6:39:12 AM |
| lendstats_com | $200.00 | $200.00 | 11/17/2010 9:55:19 AM |
| Dr_Starchildren | $25.00 | $25.00 | 11/17/2010 4:20:01 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/18/2010 4:23:09 AM |
| lucrative-loan | $50.00 | $50.00 | 11/18/2010 4:36:21 AM |
| back-scratchers | $25.00 | $25.00 | 11/18/2010 4:21:29 AM |
| investment-artist | $25.00 | $25.00 | 11/18/2010 8:06:14 AM |
| good4loan | $25.00 | $25.00 | 11/18/2010 4:04:37 PM |
| squarebob | $25.00 | $25.00 | 11/18/2010 4:31:33 PM |
| payout-reaction740 | $25.00 | $25.00 | 11/19/2010 5:33:07 AM |
| enthusiastic-balance5 | $100.00 | $100.00 | 11/19/2010 3:07:17 PM |
| honey-money | $25.00 | $25.00 | 11/19/2010 5:55:38 PM |
| vladimilasky | $25.00 | $25.00 | 11/19/2010 6:56:39 PM |
| loan-fate | $30.35 | $30.35 | 11/19/2010 4:59:20 PM |
| ptjg | $25.00 | $25.00 | 11/20/2010 3:08:55 AM |
| head | $25.00 | $25.00 | 11/20/2010 9:51:33 AM |
| spiff666 | $25.00 | $25.00 | 11/20/2010 8:24:18 AM |
| loanman2007 | $200.00 | $200.00 | 11/20/2010 12:39:28 PM |
| Jerrys1951 | $40.00 | $40.00 | 11/20/2010 4:13:43 PM |
| Rashanir | $25.00 | $25.00 | 11/20/2010 8:01:12 PM |
| ore-dojo | $25.00 | $25.00 | 11/20/2010 4:33:30 PM |
| Lender-Trader | $239.82 | $239.82 | 11/21/2010 2:27:22 AM |
| Moe87 | $25.00 | $25.00 | 11/21/2010 8:30:19 AM |
| wlm3012 | $25.00 | $25.00 | 11/21/2010 12:01:22 PM |
| Elevate2012 | $25.00 | $25.00 | 11/21/2010 9:18:18 AM |
| SkyLoan | $25.00 | $25.00 | 11/21/2010 8:07:04 PM |
| principal-laser | $60.00 | $60.00 | 11/22/2010 6:45:52 AM |
| mercuriant | $25.00 | $25.00 | 11/21/2010 11:09:01 PM |
| Lender-Trader | $500.00 | $500.00 | 11/22/2010 9:13:49 AM |
| snm2001 | $25.00 | $25.00 | 11/22/2010 1:45:09 AM |
| Top_Gun_Lender | $26.00 | $26.00 | 11/22/2010 12:23:25 PM |
| finance-solo | $25.00 | $25.00 | 11/22/2010 11:42:58 AM |
| erowis | $30.00 | $30.00 | 11/22/2010 2:43:29 PM |
| blue-useful-auction | $25.00 | $25.00 | 11/22/2010 3:00:18 PM |
| 79 bids
|
Borrower Payment Dependent Notes Series
484532
This series of Notes was issued and sold upon the funding of the borrower loan #45815, 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-16-2010 |
| |
Auction end date:
| Nov-23-2010 |
|
|
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:
| Aug-1978 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 820-839 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 1m |
|
Amount delinquent:
| $272 |
Total credit lines:
| 33 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,809 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 17% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| fabulous-listing3 |
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
The Future
Purpose of loan:
This loan will be used partly for major dental work that is not reimbursed through my dental insurance and also for some investing for my retirement.
My financial situation: I am a good candidate for this loan because I have steady employment, a good?income between my wife and myself?and a wife who makes sure that all of my bills are paid on time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| simplelender80 | $100.00 | $100.00 | 11/16/2010 3:41:36 PM |
| investment-comet | $25.00 | $25.00 | 11/16/2010 3:42:15 PM |
| melodious-fairness | $50.00 | $50.00 | 11/16/2010 3:44:04 PM |
| icchok | $50.00 | $50.00 | 11/16/2010 3:45:57 PM |
| indomitable-coin | $50.00 | $50.00 | 11/16/2010 3:48:02 PM |
| Ripsaw4U | $50.00 | $50.00 | 11/16/2010 3:51:20 PM |
| riproaringrapids | $25.00 | $25.00 | 11/16/2010 3:51:38 PM |
| Vegasjim | $25.00 | $25.00 | 11/16/2010 3:52:10 PM |
| j2ee | $25.00 | $25.00 | 11/16/2010 3:53:39 PM |
| bayareainv | $50.00 | $50.00 | 11/16/2010 3:52:17 PM |
| GElender | $100.00 | $100.00 | 11/16/2010 4:00:22 PM |
| jdwillcox | $100.00 | $100.00 | 11/16/2010 3:46:44 PM |
| Havana21 | $100.00 | $100.00 | 11/16/2010 3:47:52 PM |
| ichibon | $111.63 | $111.63 | 11/17/2010 5:09:01 AM |
| velocity-amplifier9 | $50.00 | $50.00 | 11/17/2010 9:34:44 AM |
| brightest-dynamic-peace | $25.00 | $25.00 | 11/17/2010 11:36:22 AM |
| loyalty-sherpa | $50.00 | $50.00 | 11/17/2010 11:04:02 PM |
| handshake5 | $60.69 | $60.69 | 11/18/2010 4:41:40 AM |
| delicious-social132 | $50.00 | $50.00 | 11/18/2010 4:42:45 AM |
| Steveoo1 | $25.00 | $25.00 | 11/18/2010 5:06:28 AM |
| bid-czar8 | $100.00 | $100.00 | 11/18/2010 5:25:14 AM |
| schreibp | $25.00 | $25.00 | 11/18/2010 8:42:12 AM |
| agile-diversification2 | $25.00 | $25.00 | 11/18/2010 9:50:07 AM |
| kublai | $100.00 | $100.00 | 11/18/2010 10:47:10 AM |
| joyous-revenue4 | $50.00 | $50.00 | 11/18/2010 11:39:58 AM |
| radforj22 | $25.00 | $25.00 | 11/18/2010 11:49:03 AM |
| bxdoc | $50.00 | $50.00 | 11/18/2010 2:10:14 PM |
| kmr2 | $75.12 | $75.12 | 11/18/2010 3:04:40 PM |
| saysana | $25.00 | $25.00 | 11/18/2010 4:22:20 PM |
| ddog0224 | $25.00 | $25.00 | 11/18/2010 2:59:41 PM |
| squarebob | $25.00 | $25.00 | 11/18/2010 6:47:31 PM |
| LiveNow | $44.10 | $44.10 | 11/18/2010 6:54:13 PM |
| responsibility-butterfly | $25.00 | $25.00 | 11/18/2010 6:31:20 PM |
| paymentologist | $25.00 | $25.00 | 11/18/2010 7:33:42 PM |
| cxl9 | $50.00 | $50.00 | 11/18/2010 8:47:47 PM |
| natural-affluence4 | $25.00 | $25.00 | 11/18/2010 9:44:57 PM |
| kchen486 | $50.00 | $50.00 | 11/18/2010 11:15:32 PM |
| steiglends | $60.59 | $60.59 | 11/19/2010 2:54:38 AM |
| respectful-integrity3 | $25.00 | $25.00 | 11/19/2010 6:05:14 AM |
| Moneypenny6 | $25.00 | $25.00 | 11/19/2010 7:20:00 AM |
| brainy-repayment5 | $50.00 | $50.00 | 11/19/2010 9:39:17 AM |
| authentic-liberty7 | $50.00 | $50.00 | 11/19/2010 2:47:18 PM |
| proper-commitment5 | $25.00 | $25.00 | 11/19/2010 10:46:32 PM |
| bowdish1 | $50.00 | $50.00 | 11/20/2010 5:20:33 AM |
| ASR3 | $25.00 | $25.00 | 11/20/2010 7:11:45 AM |
| flwah | $25.00 | $25.00 | 11/20/2010 10:13:36 AM |
| daekpon | $25.00 | $25.00 | 11/20/2010 3:06:32 PM |
| magnificent-income7 | $50.00 | $50.00 | 11/21/2010 4:43:21 AM |
| ClearLake | $25.00 | $25.00 | 11/22/2010 10:13:00 AM |
| DrStaff | $50.00 | $50.00 | 11/22/2010 11:48:47 AM |
| Goodthing | $300.00 | $300.00 | 11/22/2010 12:53:18 PM |
| revenue-serenity | $25.00 | $25.00 | 11/22/2010 4:38:30 PM |
| menays | $50.00 | $50.00 | 11/22/2010 2:35:25 PM |
| proaz0119 | $25.00 | $25.00 | 11/22/2010 4:51:32 PM |
| IIP77 | $25.00 | $25.00 | 11/22/2010 4:56:00 PM |
| a-finance-nirvana | $25.00 | $25.00 | 11/22/2010 4:56:55 PM |
| PThor | $25.00 | $25.00 | 11/22/2010 4:38:12 PM |
| shanedog | $50.00 | $50.00 | 11/22/2010 4:38:42 PM |
| dreammachine | $50.00 | $50.00 | 11/22/2010 4:39:15 PM |
| kc8fot | $50.00 | $50.00 | 11/22/2010 5:24:29 PM |
| piper1636 | $50.00 | $50.00 | 11/22/2010 4:38:23 PM |
| power-star | $50.00 | $50.00 | 11/22/2010 4:38:46 PM |
| red-robust-rupee | $25.00 | $25.00 | 11/22/2010 5:37:41 PM |
| dpdn57 | $50.00 | $50.00 | 11/22/2010 4:43:23 PM |
| soheagle | $50.00 | $50.00 | 11/22/2010 5:20:28 PM |
| haplender | $50.00 | $50.00 | 11/22/2010 4:54:10 PM |
| efficient-treasure0 | $25.00 | $25.00 | 11/22/2010 5:29:41 PM |
| oreyedoc | $50.00 | $50.00 | 11/22/2010 6:10:54 PM |
| Wilvara | $50.00 | $50.00 | 11/22/2010 5:24:16 PM |
| thankful-nickel2 | $25.00 | $25.00 | 11/22/2010 8:02:27 PM |
| tntmojave | $25.00 | $25.00 | 11/23/2010 3:25:26 AM |
| new-auction-neutron | $25.00 | $25.00 | 11/22/2010 6:11:34 PM |
| deal-enrichment | $50.00 | $50.00 | 11/22/2010 8:58:08 PM |
| millipotski | $25.00 | $25.00 | 11/22/2010 9:09:12 PM |
| Plotinus | $26.37 | $26.37 | 11/23/2010 2:40:49 AM |
| credit-superstar3 | $25.00 | $25.00 | 11/23/2010 6:48:09 AM |
| rvtbike | $100.00 | $100.00 | 11/23/2010 8:56:25 AM |
| nestegg4e | $25.00 | $25.00 | 11/23/2010 9:35:41 AM |
| integrity-cowbell | $30.00 | $30.00 | 11/23/2010 4:09:46 AM |
| marilyn7 | $50.00 | $50.00 | 11/23/2010 5:24:42 AM |
| Cherrypicker | $30.00 | $30.00 | 11/23/2010 8:43:57 AM |
| wampum-buddy6 | $50.00 | $50.00 | 11/23/2010 7:00:45 AM |
| dollar-high-five | $25.00 | $25.00 | 11/23/2010 9:42:28 AM |
| Weaverville | $50.00 | $50.00 | 11/23/2010 11:26:29 AM |
| omniviper | $25.00 | $25.00 | 11/23/2010 11:32:18 AM |
| snappy | $43.03 | $43.03 | 11/23/2010 11:34:02 AM |
| upright-asset2 | $25.00 | $25.00 | 11/23/2010 11:37:14 AM |
| larrybird | $150.00 | $70.24 | 11/23/2010 11:38:10 AM |
| Cai8899 | $30.00 | $30.00 | 11/23/2010 10:35:53 AM |
| understanding-affluence5 | $30.00 | $30.00 | 11/23/2010 9:43:55 AM |
| special-vigilance924 | $25.00 | $25.00 | 11/23/2010 9:46:08 AM |
| comet55 | $25.00 | $25.00 | 11/23/2010 11:20:48 AM |
| tranquil-revenue | $44.24 | $44.24 | 11/23/2010 11:32:17 AM |
| dspmn | $27.00 | $27.00 | 11/23/2010 11:33:59 AM |
| anders94 | $25.00 | $25.00 | 11/23/2010 11:34:19 AM |
| fairness-kayak | $25.00 | $25.00 | 11/23/2010 11:17:15 AM |
| lucrative-coin | $50.00 | $50.00 | 11/23/2010 11:46:33 AM |
| LongTail | $25.00 | $25.00 | 11/23/2010 11:30:34 AM |
| julijask | $35.00 | $35.00 | 11/23/2010 11:31:12 AM |
| scottysidewinder | $25.00 | $25.00 | 11/23/2010 11:33:56 AM |
| enthralling-deal180 | $50.00 | $50.00 | 11/16/2010 3:41:58 PM |
| hitsman | $100.00 | $100.00 | 11/16/2010 3:43:36 PM |
| finance-mushroom | $100.00 | $100.00 | 11/16/2010 3:44:31 PM |
| ray1051 | $25.00 | $25.00 | 11/16/2010 3:43:10 PM |
| nickel-ferret | $50.00 | $50.00 | 11/16/2010 3:47:09 PM |
| skuba | $25.00 | $25.00 | 11/16/2010 3:46:29 PM |
| vigorous-velocity | $100.00 | $100.00 | 11/16/2010 3:48:17 PM |
| finance_mba | $25.00 | $25.00 | 11/16/2010 3:48:40 PM |
| worthy-bid8 | $100.00 | $100.00 | 11/16/2010 3:50:27 PM |
| yield-enlistment | $25.00 | $25.00 | 11/16/2010 3:53:53 PM |
| dunox | $25.00 | $25.00 | 11/16/2010 3:44:20 PM |
| williemc44 | $50.00 | $50.00 | 11/16/2010 4:00:35 PM |
| bold-durability-drum | $50.00 | $50.00 | 11/16/2010 3:46:14 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 11/16/2010 3:51:57 PM |
| raisingophelia | $25.00 | $25.00 | 11/16/2010 4:40:08 PM |
| Sam65 | $25.00 | $25.00 | 11/17/2010 3:24:59 PM |
| psa1995 | $50.00 | $50.00 | 11/17/2010 10:42:37 PM |
| objective-investor | $150.00 | $150.00 | 11/18/2010 5:18:12 AM |
| orderly-leverage | $32.93 | $32.93 | 11/18/2010 5:52:06 AM |
| trustworthy-fairness | $50.00 | $50.00 | 11/18/2010 5:00:17 AM |
| jazzlender | $25.00 | $25.00 | 11/18/2010 6:59:10 AM |
| a-bonus-swashbuckler | $25.00 | $25.00 | 11/18/2010 7:36:04 AM |
| 108lender | $250.00 | $250.00 | 11/18/2010 7:39:07 AM |
| agwosdof | $100.00 | $100.00 | 11/18/2010 10:48:32 AM |
| mtquan | $25.00 | $25.00 | 11/18/2010 10:24:48 AM |
| value-investor9 | $33.47 | $33.47 | 11/18/2010 10:48:47 AM |
| ti22ring | $25.00 | $25.00 | 11/18/2010 11:35:33 AM |
| rekitten | $67.65 | $67.65 | 11/18/2010 1:01:18 PM |
| missing-link | $50.00 | $50.00 | 11/18/2010 11:39:12 AM |
| money-bauble | $100.00 | $100.00 | 11/18/2010 12:24:16 PM |
| investment-comet | $25.00 | $25.00 | 11/18/2010 1:58:25 PM |
| organized-payment6 | $25.00 | $25.00 | 11/18/2010 2:43:57 PM |
| angelinvestor2 | $50.00 | $50.00 | 11/18/2010 4:39:17 PM |
| mketelecom | $50.00 | $50.00 | 11/18/2010 3:54:29 PM |
| gracej | $25.00 | $25.00 | 11/18/2010 3:58:46 PM |
| graceful-investment | $100.00 | $100.00 | 11/18/2010 5:23:50 PM |
| ommcd | $25.00 | $25.00 | 11/18/2010 5:04:14 PM |
| 2bnforlife | $25.00 | $25.00 | 11/18/2010 6:23:28 PM |
| ahansen | $40.00 | $40.00 | 11/18/2010 8:13:28 PM |
| inspired-investment8 | $50.00 | $50.00 | 11/18/2010 9:47:05 PM |
| tech310 | $50.00 | $50.00 | 11/18/2010 11:35:03 PM |
| neutrino6 | $25.00 | $25.00 | 11/19/2010 3:09:33 AM |
| vigilance-revolutionary | $50.00 | $50.00 | 11/19/2010 4:09:14 AM |
| jenkris | $50.00 | $50.00 | 11/19/2010 10:13:10 AM |
| balance-voyager | $50.00 | $50.00 | 11/19/2010 11:33:24 AM |
| ujiba | $50.00 | $50.00 | 11/19/2010 9:44:26 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/19/2010 10:18:09 AM |
| hopeful-truth5 | $100.00 | $100.00 | 11/19/2010 2:00:20 PM |
| cropdust3r | $25.00 | $25.00 | 11/19/2010 1:13:00 PM |
| peace-missile | $25.00 | $25.00 | 11/19/2010 2:44:55 PM |
| loan-mammal | $25.00 | $25.00 | 11/19/2010 2:25:30 PM |
| rescue | $54.02 | $54.02 | 11/20/2010 1:27:37 AM |
| powerful-finance7 | $25.00 | $25.00 | 11/20/2010 3:58:19 AM |
| kulender | $50.00 | $50.00 | 11/20/2010 4:51:58 AM |
| intuitive-camaraderi9 | $25.00 | $25.00 | 11/20/2010 5:20:30 AM |
| jeflanne | $200.00 | $200.00 | 11/20/2010 7:47:34 AM |
| AFairDeal | $50.00 | $50.00 | 11/20/2010 11:13:02 AM |
| stockpicker_jboy | $25.00 | $25.00 | 11/20/2010 9:42:39 AM |
| red-unequivocal-finance | $25.00 | $25.00 | 11/20/2010 7:18:09 AM |
| peripatetic | $25.00 | $25.00 | 11/21/2010 2:33:07 AM |
| Big-Travy | $25.00 | $25.00 | 11/21/2010 6:49:24 AM |
| credible-compassion6 | $25.00 | $25.00 | 11/21/2010 7:40:27 PM |
| nytrnbow | $25.00 | $25.00 | 11/21/2010 2:14:37 PM |
| Artist_Blue | $25.00 | $25.00 | 11/22/2010 6:08:39 AM |
| bullwink27 | $25.00 | $25.00 | 11/22/2010 8:37:35 AM |
| income-vault6 | $25.00 | $25.00 | 11/22/2010 10:00:59 AM |
| iamricher | $25.00 | $25.00 | 11/22/2010 1:55:34 PM |
| genuine-diversification5 | $25.00 | $25.00 | 11/22/2010 3:17:05 PM |
| EvalCrux | $50.00 | $50.00 | 11/22/2010 3:55:11 PM |
| Mariner3605 | $50.00 | $50.00 | 11/22/2010 4:35:35 PM |
| LenderOnWheels | $25.00 | $25.00 | 11/22/2010 4:40:11 PM |
| rakstar | $25.00 | $25.00 | 11/22/2010 4:40:29 PM |
| BxRealtor | $25.00 | $25.00 | 11/22/2010 2:54:32 PM |
| excellent-nickel | $50.00 | $50.00 | 11/22/2010 4:44:06 PM |
| kegs | $150.00 | $150.00 | 11/22/2010 4:44:53 PM |
| wampum-chorus3 | $25.00 | $25.00 | 11/22/2010 4:37:15 PM |
| Tradesmanlender | $28.03 | $28.03 | 11/22/2010 4:46:41 PM |
| Cal07 | $25.00 | $25.00 | 11/22/2010 4:50:35 PM |
| piston_honda | $25.00 | $25.00 | 11/22/2010 4:53:50 PM |
| SKOAL | $50.00 | $50.00 | 11/22/2010 5:06:40 PM |
| sn0wbunny | $25.00 | $25.00 | 11/22/2010 4:43:38 PM |
| Chembro783 | $25.00 | $25.00 | 11/22/2010 5:30:14 PM |
| studious-bonus7 | $100.00 | $100.00 | 11/22/2010 6:13:46 PM |
| AAKBCAPITAL | $50.00 | $50.00 | 11/22/2010 5:11:11 PM |
| balance-whistle7 | $25.00 | $25.00 | 11/22/2010 5:44:54 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/22/2010 6:02:37 PM |
| glimmering-credit4 | $25.00 | $25.00 | 11/22/2010 9:35:13 PM |
| Cheburashka | $25.00 | $25.00 | 11/23/2010 2:25:14 AM |
| Elbanko | $50.00 | $50.00 | 11/23/2010 3:03:04 AM |
| CULPEPPERGROUP | $25.00 | $25.00 | 11/23/2010 5:30:31 AM |
| momoney2lend | $25.00 | $25.00 | 11/23/2010 2:41:25 AM |
| alex206 | $26.71 | $26.71 | 11/23/2010 3:21:34 AM |
| CFO | $30.00 | $30.00 | 11/23/2010 6:24:26 AM |
| ColoradoCamping | $50.00 | $50.00 | 11/23/2010 8:55:49 AM |
| derwiki | $25.00 | $25.00 | 11/23/2010 8:56:11 AM |
| taxguy1040 | $50.00 | $50.00 | 11/23/2010 6:52:10 AM |
| newest-bountiful-basis | $25.00 | $25.00 | 11/23/2010 7:53:33 AM |
| shingu79 | $50.00 | $50.00 | 11/23/2010 9:56:33 AM |
| best-platinum-persimmon | $100.00 | $100.00 | 11/23/2010 8:45:43 AM |
| generous-deal6 | $50.00 | $50.00 | 11/23/2010 10:38:40 AM |
| sohuge1234 | $50.00 | $50.00 | 11/23/2010 8:56:41 AM |
| calkidd05 | $25.00 | $25.00 | 11/23/2010 11:19:27 AM |
| urbane-dollar4 | $50.00 | $50.00 | 11/23/2010 9:43:01 AM |
| dinero-festivity2 | $50.00 | $50.00 | 11/23/2010 11:25:30 AM |
| kalex752 | $25.00 | $25.00 | 11/23/2010 11:30:03 AM |
| ericgassercom | $50.00 | $50.00 | 11/23/2010 11:31:01 AM |
| mmckune | $25.00 | $25.00 | 11/23/2010 11:34:17 AM |
| dinero-speaker | $25.00 | $25.00 | 11/23/2010 11:35:12 AM |
| agile-loan0 | $25.00 | $25.00 | 11/23/2010 11:38:04 AM |
| Eagledrop | $25.00 | $25.00 | 11/23/2010 9:23:33 AM |
| SlickNick | $25.00 | $25.00 | 11/23/2010 10:54:38 AM |
| ArtemisFitzlebottom | $32.24 | $32.24 | 11/23/2010 11:22:40 AM |
| Picopie | $33.04 | $33.04 | 11/23/2010 11:34:06 AM |
| Ivan2007 | $50.00 | $50.00 | 11/23/2010 11:34:16 AM |
| benjamin67 | $50.00 | $50.00 | 11/23/2010 11:34:22 AM |
| hrubinst | $50.00 | $50.00 | 11/23/2010 11:34:35 AM |
| roman2008 | $25.00 | $25.00 | 11/23/2010 11:37:09 AM |
| relierma | $25.00 | $25.00 | 11/23/2010 11:43:42 AM |
| irrelevant | $25.00 | $25.00 | 11/23/2010 11:30:53 AM |
| wise-repayment-kayak | $25.00 | $25.00 | 11/23/2010 11:32:35 AM |
| brazilofmux | $28.90 | $28.90 | 11/23/2010 11:33:46 AM |
| Veltliner | $25.00 | $25.00 | 11/23/2010 11:33:55 AM |
| Dubbs360 | $50.00 | $50.00 | 11/23/2010 11:34:21 AM |
| CAGE-Investments | $25.00 | $25.00 | 11/23/2010 11:34:56 AM |
| wwwUniversal | $25.00 | $25.00 | 11/23/2010 11:41:04 AM |
| 225 bids
|
Borrower Payment Dependent Notes Series
485540
This series of Notes was issued and sold upon the funding of the borrower loan #45909, 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-24-2010 |
| |
Auction end date:
| Dec-01-2010 |
|
|
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:
| May-1991 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
14 | Length of status: | 13y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 50 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,109 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| mindful-dinero |
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 credit cards
Purpose of loan:
This loan will be used to?
debt consolidation
My financial situation:
I am a good candidate for this loan because?
I am a honest and creditable person, I'm a single mom trying to give my son a chance at college. so if i can consoildated some payments i'l be fine and trying too get another job. i just need a little help.thank you
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 615
??Insurance: $
??Car expenses: $ 50
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 75
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $100.00 | $100.00 | 11/24/2010 2:17:55 PM |
| kulender | $50.00 | $50.00 | 11/24/2010 2:27:17 PM |
| lendstats_com | $200.00 | $200.00 | 11/25/2010 9:56:37 AM |
| soulful-truth | $25.00 | $25.00 | 11/25/2010 1:32:47 PM |
| Mariner3605 | $50.00 | $50.00 | 11/26/2010 1:53:28 AM |
| bid-czar8 | $57.59 | $57.59 | 11/26/2010 7:58:43 AM |
| nybanker85 | $30.00 | $30.00 | 11/26/2010 9:01:35 AM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:10:00 AM |
| paytonbrigadier | $200.00 | $200.00 | 11/26/2010 12:15:30 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 12:44:57 PM |
| brother_tam | $50.00 | $50.00 | 11/26/2010 3:51:21 PM |
| trade-boots1 | $100.00 | $100.00 | 11/26/2010 5:29:00 PM |
| bulsa | $100.00 | $100.00 | 11/26/2010 8:45:25 PM |
| alexgalt | $100.00 | $100.00 | 11/27/2010 9:42:53 PM |
| simplelender80 | $100.00 | $100.00 | 11/28/2010 1:42:22 PM |
| loanman2007 | $100.00 | $100.00 | 11/28/2010 11:57:19 AM |
| bountiful-durability | $100.00 | $100.00 | 11/29/2010 5:19:36 AM |
| money-bauble | $100.00 | $100.00 | 11/29/2010 8:42:59 AM |
| Whipster | $50.00 | $50.00 | 11/29/2010 2:48:48 PM |
| Comoparklender | $25.00 | $25.00 | 11/29/2010 11:25:24 AM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/29/2010 2:44:58 PM |
| zebra806 | $46.54 | $46.54 | 11/29/2010 3:41:18 PM |
| admirable-basis1 | $25.00 | $25.00 | 11/29/2010 9:05:11 PM |
| jwm | $25.00 | $25.00 | 11/29/2010 9:27:37 PM |
| AF-Chief | $29.19 | $29.19 | 11/30/2010 4:13:01 AM |
| bazaar-secret-agent6 | $25.00 | $25.00 | 11/30/2010 11:59:08 AM |
| finance-mushroom | $100.00 | $100.00 | 11/30/2010 1:27:56 PM |
| studious-peso | $25.00 | $25.00 | 11/30/2010 1:37:51 PM |
| rmachi | $25.00 | $25.00 | 11/30/2010 11:58:58 AM |
| shur | $25.00 | $25.00 | 11/30/2010 2:47:00 PM |
| inspiring-reward | $150.00 | $150.00 | 11/30/2010 3:15:20 PM |
| Cybercusp | $25.00 | $25.00 | 11/30/2010 3:16:48 PM |
| Zipcut | $25.00 | $25.00 | 11/30/2010 4:35:17 PM |
| Marathoner | $25.00 | $25.00 | 11/30/2010 5:55:29 PM |
| finagler | $25.00 | $25.00 | 11/30/2010 5:57:41 PM |
| MissionMicroFinance | $25.00 | $25.00 | 12/1/2010 2:00:17 AM |
| NoMoreDebt4Me | $25.00 | $25.00 | 12/1/2010 2:09:35 AM |
| ah-long | $25.00 | $25.00 | 11/30/2010 4:37:56 PM |
| FASTIZIO_P | $25.00 | $25.00 | 12/1/2010 2:10:45 AM |
| MadHun | $37.15 | $37.15 | 11/30/2010 6:43:26 PM |
| saffron4 | $25.00 | $25.00 | 12/1/2010 3:11:32 AM |
| Sateesh | $39.48 | $39.48 | 12/1/2010 1:43:33 AM |
| asmithj | $30.68 | $30.68 | 12/1/2010 2:51:38 AM |
| FeedTheMachine | $50.00 | $50.00 | 12/1/2010 2:56:01 AM |
| wise-silver-wonder | $25.00 | $25.00 | 12/1/2010 9:37:46 AM |
| Kash2010lu | $25.00 | $25.00 | 12/1/2010 5:29:08 AM |
| NoCal | $25.00 | $25.00 | 12/1/2010 10:11:03 AM |
| dcap3 | $25.00 | $25.00 | 12/1/2010 5:43:58 AM |
| jlofgren | $25.00 | $25.00 | 12/1/2010 10:03:37 AM |
| fund-javelin1 | $25.00 | $25.00 | 12/1/2010 10:18:10 AM |
| tornandfrayed | $26.42 | $26.42 | 12/1/2010 10:11:01 AM |
| worthy-bid8 | $50.00 | $50.00 | 12/1/2010 10:42:50 AM |
| Scoote2912 | $25.00 | $25.00 | 12/1/2010 10:14:00 AM |
| Forlio | $50.00 | $50.00 | 12/1/2010 10:51:15 AM |
| kalex752 | $50.00 | $50.00 | 12/1/2010 10:59:18 AM |
| abundant-credit6 | $25.00 | $25.00 | 12/1/2010 10:59:30 AM |
| WorldlyWorker | $25.00 | $25.00 | 12/1/2010 10:59:35 AM |
| mketelecom | $25.00 | $25.00 | 12/1/2010 11:00:46 AM |
| ThatDanGuy | $100.00 | $100.00 | 12/1/2010 7:33:02 AM |
| the-upbeat-p2p | $50.00 | $50.00 | 12/1/2010 10:59:16 AM |
| blackstar | $50.00 | $50.00 | 12/1/2010 10:59:22 AM |
| 2bnforlife | $25.00 | $25.00 | 12/1/2010 11:00:48 AM |
| momoney2lend | $25.00 | $25.00 | 12/1/2010 11:00:55 AM |
| Midwestvalues | $100.00 | $100.00 | 12/1/2010 11:01:10 AM |
| Easystreet | $25.00 | $25.00 | 12/1/2010 11:03:43 AM |
| new-social-economist | $30.27 | $30.27 | 12/1/2010 8:55:02 AM |
| credit-wheel7 | $25.00 | $25.00 | 12/1/2010 8:57:45 AM |
| credit-missile | $25.00 | $25.00 | 12/1/2010 12:26:17 PM |
| credit-missile | $25.00 | $25.00 | 12/1/2010 12:27:08 PM |
| pythia | $25.00 | $25.00 | 12/1/2010 11:49:37 AM |
| diversification-taco7 | $25.00 | $25.00 | 12/1/2010 9:34:02 AM |
| S-Master | $45.74 | $45.74 | 12/1/2010 9:53:44 AM |
| ichibon | $25.00 | $25.00 | 12/1/2010 9:59:21 AM |
| Tasmir | $25.00 | $25.00 | 12/1/2010 10:11:02 AM |
| coin-universe | $25.00 | $25.00 | 12/1/2010 10:58:38 AM |
| soulwork | $25.00 | $25.00 | 12/1/2010 10:59:02 AM |
| Oak-Parker | $25.00 | $25.00 | 12/1/2010 10:59:20 AM |
| a-tranquil-liberty | $25.00 | $25.00 | 12/1/2010 10:59:26 AM |
| kindness-hickory5 | $25.00 | $25.00 | 12/1/2010 10:59:29 AM |
| gmilliken | $25.00 | $25.00 | 12/1/2010 10:59:48 AM |
| thorough-exchange4 | $50.00 | $50.00 | 12/1/2010 11:00:49 AM |
| divedude | $25.00 | $25.00 | 12/1/2010 11:00:58 AM |
| excellent-wealth6 | $25.00 | $25.00 | 12/1/2010 11:01:01 AM |
| credit-missile | $25.00 | $25.00 | 12/1/2010 12:28:22 PM |
| velocity-solo | $25.00 | $25.00 | 11/24/2010 2:28:29 PM |
| ASR3 | $25.00 | $25.00 | 11/24/2010 2:26:32 PM |
| reflective-rupee | $500.00 | $500.00 | 11/24/2010 2:29:23 PM |
| tech310 | $25.00 | $25.00 | 11/24/2010 3:00:13 PM |
| reflective-rupee | $95.00 | $95.00 | 11/24/2010 2:29:53 PM |
| raisingophelia | $25.00 | $25.00 | 11/25/2010 7:15:30 AM |
| desertoasis | $25.00 | $25.00 | 11/25/2010 10:02:58 PM |
| AlexTrep | $25.00 | $25.00 | 11/26/2010 7:14:07 AM |
| Artist_Blue | $25.00 | $25.00 | 11/26/2010 7:44:18 AM |
| investment-comet | $25.00 | $25.00 | 11/26/2010 7:36:46 AM |
| jazzlender | $25.00 | $25.00 | 11/26/2010 8:49:13 AM |
| DonaldColorado | $50.00 | $50.00 | 11/26/2010 10:19:38 AM |
| LiveNow | $25.00 | $25.00 | 11/26/2010 12:42:15 PM |
| economy-synapse | $25.00 | $25.00 | 11/26/2010 8:14:44 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/27/2010 12:14:45 PM |
| retired272 | $25.00 | $25.00 | 11/28/2010 11:34:32 AM |
| gain-gourd | $100.00 | $100.00 | 11/28/2010 8:35:12 PM |
| Bookophile | $50.00 | $50.00 | 11/28/2010 8:34:37 PM |
| finance-prescription | $50.00 | $50.00 | 11/29/2010 10:54:30 AM |
| ivadood | $33.15 | $33.15 | 11/29/2010 11:33:24 AM |
| MikeyZ2008 | $100.00 | $100.00 | 11/29/2010 2:45:13 PM |
| gallant-economy9 | $50.00 | $50.00 | 11/29/2010 2:45:34 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/29/2010 2:45:03 PM |
| the-silver-blaster | $50.00 | $50.00 | 11/29/2010 3:41:17 PM |
| cablenews | $25.93 | $25.93 | 11/30/2010 8:32:45 AM |
| 108lender | $59.65 | $59.65 | 11/30/2010 10:15:47 AM |
| astute-investment5 | $25.00 | $25.00 | 11/30/2010 9:33:43 AM |
| spark548 | $25.00 | $25.00 | 11/30/2010 1:43:00 PM |
| competent-p2p | $35.00 | $35.00 | 11/30/2010 11:14:10 AM |
| MedLend | $50.00 | $50.00 | 11/30/2010 2:46:16 PM |
| kind-adventurous-finance | $50.00 | $50.00 | 11/30/2010 3:43:01 PM |
| reward-motion | $25.00 | $25.00 | 11/30/2010 6:22:52 PM |
| order-elevator7 | $25.00 | $25.00 | 11/30/2010 3:16:36 PM |
| flexible-money1 | $50.00 | $50.00 | 12/1/2010 1:47:24 AM |
| assetmanager | $25.00 | $25.00 | 12/1/2010 1:48:44 AM |
| navstox | $25.00 | $25.00 | 12/1/2010 2:12:53 AM |
| gentle-coin | $25.00 | $25.00 | 12/1/2010 2:54:54 AM |
| xzec777 | $25.00 | $25.00 | 12/1/2010 2:42:46 AM |
| ouyangers | $25.00 | $25.00 | 12/1/2010 2:47:05 AM |
| Rogesparkguy | $25.00 | $25.00 | 11/30/2010 9:02:51 PM |
| IIP77 | $25.00 | $25.00 | 12/1/2010 1:38:32 AM |
| teller | $30.22 | $30.22 | 12/1/2010 1:39:28 AM |
| Miklot | $50.00 | $50.00 | 12/1/2010 2:14:18 AM |
| flwah | $25.00 | $25.00 | 12/1/2010 2:26:37 AM |
| treasure-bliss | $50.00 | $50.00 | 12/1/2010 2:51:18 AM |
| burrito6 | $25.00 | $25.00 | 12/1/2010 8:23:41 AM |
| bnlforever | $25.00 | $25.00 | 12/1/2010 9:23:28 AM |
| Saleen06 | $25.00 | $25.00 | 12/1/2010 9:23:31 AM |
| balanced-dime7 | $25.00 | $25.00 | 12/1/2010 9:34:44 AM |
| flexible-income9 | $150.00 | $150.00 | 12/1/2010 9:34:58 AM |
| reflective-rupee | $205.00 | $205.00 | 12/1/2010 9:19:49 AM |
| Digs | $25.00 | $25.00 | 12/1/2010 9:36:01 AM |
| bonanza1973 | $50.00 | $50.00 | 12/1/2010 10:59:13 AM |
| teejay411 | $41.22 | $41.22 | 12/1/2010 10:59:21 AM |
| silver-saguaro | $25.00 | $25.00 | 12/1/2010 10:59:58 AM |
| the-bid-sorcerer | $50.00 | $50.00 | 12/1/2010 11:00:41 AM |
| rogue_monster | $25.00 | $25.00 | 12/1/2010 11:00:50 AM |
| sms0106 | $50.00 | $47.03 | 12/1/2010 11:01:16 AM |
| deal-pinnacle7 | $40.00 | $40.00 | 12/1/2010 10:59:00 AM |
| bebeshor | $25.00 | $25.00 | 12/1/2010 10:59:19 AM |
| ahansen | $25.00 | $25.00 | 12/1/2010 10:59:23 AM |
| orange-statuesque-dime | $50.00 | $50.00 | 12/1/2010 10:59:40 AM |
| proaz0119 | $25.00 | $25.00 | 12/1/2010 10:59:59 AM |
| asset-yoga6 | $88.74 | $88.74 | 12/1/2010 11:01:00 AM |
| top-historic-peso | $25.00 | $25.00 | 12/1/2010 11:01:04 AM |
| bold-principal-thinker | $25.00 | $25.00 | 12/1/2010 8:23:42 AM |
| shrewd-peace7 | $25.00 | $25.00 | 12/1/2010 8:53:11 AM |
| orange-preeminant-bill | $50.00 | $50.00 | 12/1/2010 10:42:35 AM |
| jns48 | $25.00 | $25.00 | 12/1/2010 10:52:41 AM |
| LOANMAN614 | $50.00 | $50.00 | 12/1/2010 10:59:03 AM |
| turbolozano | $25.00 | $25.00 | 12/1/2010 10:59:17 AM |
| gizzywump | $50.00 | $50.00 | 12/1/2010 10:59:25 AM |
| JoeDuck | $50.00 | $50.00 | 12/1/2010 10:59:27 AM |
| contract-giant | $25.00 | $25.00 | 12/1/2010 10:59:56 AM |
| thebadpelican | $26.00 | $26.00 | 12/1/2010 11:00:56 AM |
| larrybird | $150.00 | $150.00 | 12/1/2010 11:01:02 AM |
| credit-missile | $25.00 | $25.00 | 12/1/2010 12:25:54 PM |
| credit-missile | $25.00 | $25.00 | 12/1/2010 12:26:46 PM |
| 162 bids
|
Borrower Payment Dependent Notes Series
485630
This series of Notes was issued and sold upon the funding of the borrower loan #45924, 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-26-2010 |
| |
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:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $301.18 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 28y 1m |
|
Amount delinquent:
| $60 |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,542 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| capital-glider |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Dec-2009)
640-659
(Sep-2008)
|
|
Principal balance:
| $2,744.54 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Home Improvement-Basement
Purpose of loan:
This loan will be used to?install new furnance, windows in basement and plumbing???
My financial situation:
I am a good candidate for this loan because?
I have paid all my previous payments on time and have a stable source of income
Monthly net income: $
2800.00
Monthly expenses: $
??Housing: $?438.51
??Insurance: $75.00
??Car expenses: $ 520.00?
??Utilities: $ 185
??Phone, cable, internet: $ 120
??Food, entertainment: $300.00
??Clothing, household expenses $50.00
??Credit cards and other loans: $ 500
??Other expenses: $ 40.00?
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kulender | $50.00 | $50.00 | 11/26/2010 12:53:28 PM |
| money-bauble | $25.00 | $25.00 | 11/26/2010 12:53:20 PM |
| reflective-rupee | $200.00 | $200.00 | 11/26/2010 7:27:19 PM |
| red-favorable-basis | $25.00 | $25.00 | 11/27/2010 3:29:19 AM |
| building_community | $25.83 | $25.83 | 11/27/2010 2:39:33 PM |
| grnii78 | $50.00 | $50.00 | 11/29/2010 7:20:01 PM |
| fund-javelin1 | $25.00 | $25.00 | 12/1/2010 10:18:45 AM |
| sjlnn | $25.00 | $25.00 | 12/1/2010 2:45:20 PM |
| Kaj | $25.00 | $25.00 | 12/1/2010 2:57:04 PM |
| bonus-tent | $25.00 | $25.00 | 12/1/2010 2:53:13 PM |
| RSV | $46.24 | $46.24 | 12/1/2010 4:47:37 PM |
| blackstar | $25.00 | $25.00 | 12/1/2010 7:20:18 PM |
| listing-trapper3 | $50.00 | $50.00 | 12/1/2010 7:20:25 PM |
| tearingstar | $35.00 | $35.00 | 12/1/2010 7:21:09 PM |
| consummate-loyalty1 | $50.00 | $8.33 | 12/1/2010 7:22:38 PM |
| Erikdbp | $25.00 | $25.00 | 12/1/2010 7:20:02 PM |
| jubilant-auction5 | $25.00 | $25.00 | 12/1/2010 7:20:06 PM |
| WBB21 | $25.00 | $25.00 | 12/1/2010 7:20:23 PM |
| well-mannered-income3 | $25.00 | $25.00 | 12/1/2010 8:16:31 PM |
| sturdy-fairness5 | $25.00 | $25.00 | 12/1/2010 7:20:09 PM |
| logical-investment4 | $25.00 | $25.00 | 12/1/2010 7:20:16 PM |
| totoro | $25.00 | $25.00 | 12/1/2010 7:20:28 PM |
| mike279766 | $25.00 | $25.00 | 12/1/2010 7:20:58 PM |
| sdcc72 | $25.00 | $25.00 | 12/2/2010 8:22:32 AM |
| bonus-quark4 | $25.00 | $25.00 | 12/2/2010 10:39:31 AM |
| leverage-monger | $25.00 | $25.00 | 12/2/2010 9:23:05 AM |
| LittleMingo | $35.00 | $35.00 | 12/2/2010 10:21:53 AM |
| kc8fot | $50.00 | $50.00 | 12/2/2010 5:21:24 AM |
| Astyanax | $75.00 | $75.00 | 12/2/2010 11:59:56 AM |
| Moe87 | $25.00 | $25.00 | 12/2/2010 5:10:54 PM |
| brother_tam | $400.00 | $400.00 | 12/2/2010 8:52:13 PM |
| Pu239 | $51.75 | $51.75 | 12/3/2010 3:23:56 AM |
| loss-of-control | $50.00 | $50.00 | 12/2/2010 5:10:07 PM |
| Aberdeen | $1,500.00 | $1,500.00 | 12/3/2010 4:04:16 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 7:42:04 AM |
| Brown98 | $25.00 | $25.00 | 12/3/2010 10:25:01 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 9:40:15 AM |
| leverage-monger | $25.00 | $25.00 | 12/3/2010 11:13:31 AM |
| DasMula | $25.00 | $25.00 | 12/3/2010 11:39:12 AM |
| realtormoises | $25.00 | $25.00 | 12/3/2010 6:27:20 AM |
| zztopdog | $25.00 | $25.00 | 12/3/2010 10:43:56 AM |
| bsmtloan | $77.90 | $77.90 | 12/3/2010 6:52:45 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 7:40:49 AM |
| dsnybnd | $25.00 | $25.00 | 12/3/2010 7:49:04 AM |
| ghinga | $25.00 | $25.00 | 12/3/2010 7:57:52 AM |
| blue-useful-auction | $25.00 | $25.00 | 12/3/2010 11:47:49 AM |
| wwwUniversal | $25.00 | $25.00 | 12/3/2010 11:59:57 AM |
| point-enforcer | $25.00 | $25.00 | 12/3/2010 9:23:15 AM |
| HammerSmith | $25.00 | $25.00 | 12/3/2010 9:28:38 AM |
| JayIsABear | $34.78 | $34.78 | 12/3/2010 11:18:10 AM |
| loyalist1 | $50.00 | $50.00 | 11/26/2010 1:02:13 PM |
| simplelender80 | $200.00 | $200.00 | 11/26/2010 12:55:01 PM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 1:04:00 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 7:16:18 PM |
| MoneyForNothing | $25.30 | $25.30 | 11/26/2010 9:05:02 PM |
| lendstats_com | $200.00 | $200.00 | 11/27/2010 11:03:13 AM |
| tech310 | $50.00 | $50.00 | 11/27/2010 2:33:24 PM |
| musegaze | $25.00 | $25.00 | 11/28/2010 7:52:40 AM |
| Aberdeen | $999.99 | $999.99 | 11/28/2010 1:42:04 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/29/2010 4:01:25 AM |
| loanman2007 | $150.00 | $150.00 | 11/29/2010 10:55:29 AM |
| deal-hickory5 | $50.00 | $50.00 | 11/29/2010 12:38:37 PM |
| investment-thinker4 | $25.00 | $25.00 | 11/30/2010 5:29:09 AM |
| golffish2 | $100.00 | $100.00 | 11/30/2010 4:06:25 AM |
| income-vault6 | $25.00 | $25.00 | 11/30/2010 2:45:29 PM |
| 108lender | $201.72 | $201.72 | 12/1/2010 12:57:00 AM |
| a-finance-nirvana | $25.00 | $25.00 | 12/1/2010 2:53:21 PM |
| bigbryan98 | $25.00 | $25.00 | 12/1/2010 3:12:48 PM |
| ivy-league-MBA | $50.00 | $50.00 | 12/1/2010 7:20:00 PM |
| iolaire | $25.00 | $25.00 | 12/1/2010 7:20:21 PM |
| sensible-fund | $100.00 | $100.00 | 12/1/2010 5:31:31 PM |
| littlejellybug | $50.00 | $50.00 | 12/1/2010 7:21:00 PM |
| grnii78 | $75.00 | $75.00 | 12/1/2010 6:04:24 PM |
| fairness-kayak | $25.00 | $25.00 | 12/1/2010 7:20:14 PM |
| helpishere777 | $25.00 | $25.00 | 12/1/2010 7:21:05 PM |
| AndyT1999 | $25.00 | $25.00 | 12/1/2010 7:42:06 PM |
| loss-of-control | $50.00 | $50.00 | 12/1/2010 5:28:58 PM |
| DeutscheBank | $25.00 | $25.00 | 12/1/2010 7:20:11 PM |
| point | $50.00 | $50.00 | 12/1/2010 7:20:20 PM |
| greenback-guard | $25.00 | $25.00 | 12/1/2010 7:30:46 PM |
| Feyenoord | $25.00 | $25.00 | 12/2/2010 9:12:54 AM |
| umfan123 | $25.00 | $25.00 | 12/2/2010 5:21:00 AM |
| grampy48 | $40.00 | $40.00 | 12/2/2010 1:02:43 PM |
| asya | $25.00 | $25.00 | 12/2/2010 3:52:50 PM |
| fairness-atmosphere | $25.00 | $25.00 | 12/2/2010 10:26:52 AM |
| good4loan | $25.00 | $25.00 | 12/2/2010 4:40:07 PM |
| Jerrys1951 | $48.60 | $48.60 | 12/2/2010 8:25:25 PM |
| LittleMingo | $25.00 | $25.00 | 12/3/2010 2:12:08 AM |
| drcoop | $25.00 | $25.00 | 12/2/2010 4:55:34 PM |
| Smallbear | $25.00 | $25.00 | 12/3/2010 6:14:15 AM |
| 113121 | $100.00 | $100.00 | 12/3/2010 7:33:39 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 7:41:37 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 7:42:27 AM |
| heerzaquestion | $25.00 | $25.00 | 12/3/2010 7:48:40 AM |
| Bob450 | $30.00 | $30.00 | 12/3/2010 8:23:58 AM |
| chkrvrty | $36.34 | $36.34 | 12/3/2010 2:55:41 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 10:27:39 AM |
| mpatrick | $25.00 | $25.00 | 12/3/2010 10:40:01 AM |
| golffish2 | $100.00 | $100.00 | 12/3/2010 4:11:03 AM |
| 2grindstones | $25.00 | $25.00 | 12/3/2010 9:52:47 AM |
| ddoneday | $25.00 | $25.00 | 12/3/2010 5:07:01 AM |
| satisfying-deal5 | $26.11 | $26.11 | 12/3/2010 5:29:24 AM |
| icon7 | $25.00 | $25.00 | 12/3/2010 11:41:08 AM |
| Belair_Advisors | $25.00 | $25.00 | 12/3/2010 11:22:10 AM |
| credit-missile | $25.00 | $25.00 | 12/3/2010 7:41:14 AM |
| BrighterSuns | $25.00 | $25.00 | 12/3/2010 12:36:19 PM |
| Leshan | $77.11 | $77.11 | 12/3/2010 9:58:21 AM |
| exciting-fairness | $200.00 | $200.00 | 12/3/2010 10:52:16 AM |
| DasMula | $25.00 | $25.00 | 12/3/2010 11:38:56 AM |
| worthy-bid4 | $25.00 | $25.00 | 12/3/2010 12:22:28 PM |
| 110 bids
|
Borrower Payment Dependent Notes Series
485860
This series of Notes was issued and sold upon the funding of the borrower loan #45821, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Nov-29-2010 |
| |
Auction end date:
| Dec-06-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $90.47 |
| |
|
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:
| Jul-1974 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,981 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-lively-deal |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate two high interest loans.
My financial situation:
I have been with my current employer?3 years.??Though I am current on my billis, this loan would give us some breathing room.? My creidt report will show that I had a bankruptcy.? That is true.? I filed 10 years ago.? I have worked really hard to restore my credit worthiness.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $50.00 | $50.00 | 11/29/2010 3:01:15 PM |
| Thylow | $100.00 | $100.00 | 11/29/2010 3:06:28 PM |
| hopeful-truth5 | $50.00 | $50.00 | 11/29/2010 9:26:56 PM |
| kulender | $50.00 | $50.00 | 12/1/2010 5:44:55 AM |
| finance-prescription | $50.00 | $50.00 | 12/3/2010 1:55:26 PM |
| Bookophile | $50.00 | $50.00 | 12/3/2010 1:55:37 PM |
| Comoparklender | $25.00 | $25.00 | 12/3/2010 1:52:47 PM |
| copper | $50.00 | $50.00 | 12/3/2010 4:33:16 PM |
| tszbgae | $50.00 | $50.00 | 12/3/2010 4:49:19 PM |
| villagers | $25.00 | $25.00 | 12/3/2010 4:49:50 PM |
| IIP77 | $25.00 | $25.00 | 12/3/2010 5:40:03 PM |
| economy-synapse | $25.00 | $25.00 | 12/3/2010 11:14:34 PM |
| JiggaJoeyS | $26.00 | $26.00 | 12/4/2010 11:19:23 AM |
| dudebrah | $25.00 | $25.00 | 12/4/2010 12:19:27 PM |
| RyanM561 | $25.00 | $25.00 | 12/4/2010 2:54:22 PM |
| enthusiastic-capital1 | $25.00 | $25.00 | 12/4/2010 1:06:06 PM |
| yeti888 | $25.00 | $25.00 | 12/5/2010 5:47:39 AM |
| rockstar78 | $25.00 | $25.00 | 12/5/2010 5:38:17 PM |
| YurshotCapital | $74.67 | $74.67 | 12/5/2010 1:23:22 PM |
| platinum-investor1 | $25.00 | $25.00 | 12/4/2010 9:03:58 PM |
| Moe87 | $25.00 | $25.00 | 12/5/2010 7:51:42 PM |
| josephpenrod | $25.00 | $25.00 | 12/5/2010 9:20:17 PM |
| ASR3 | $25.00 | $25.00 | 11/29/2010 3:27:36 PM |
| money-bauble | $25.00 | $25.00 | 11/29/2010 3:33:00 PM |
| Artist_Blue | $25.00 | $25.00 | 12/1/2010 5:33:11 AM |
| nybanker85 | $25.00 | $25.00 | 12/1/2010 2:57:09 PM |
| Redmond | $25.00 | $25.00 | 12/1/2010 2:01:29 PM |
| nilonc1 | $100.00 | $100.00 | 12/1/2010 5:27:21 PM |
| visionary-currency | $25.00 | $25.00 | 12/2/2010 8:29:06 AM |
| worthy-bid8 | $25.00 | $25.00 | 12/1/2010 10:28:24 PM |
| green-capital-hornet | $25.00 | $25.00 | 12/3/2010 1:50:40 PM |
| wampum-launcher0 | $25.00 | $25.00 | 12/3/2010 1:53:03 PM |
| reward-adventure | $50.00 | $50.00 | 12/3/2010 1:53:43 PM |
| mrxtravis | $50.00 | $50.00 | 12/3/2010 1:50:54 PM |
| reflective-rupee | $25.00 | $25.00 | 12/3/2010 4:24:44 PM |
| flwah | $25.00 | $25.00 | 12/3/2010 4:48:16 PM |
| AF-Chief | $31.32 | $31.32 | 12/3/2010 7:52:43 PM |
| dedicated-transaction796 | $50.00 | $50.00 | 12/4/2010 8:55:33 AM |
| aldeed | $38.05 | $38.05 | 12/4/2010 2:23:24 PM |
| DasMula | $25.00 | $25.00 | 12/4/2010 6:24:35 PM |
| emance | $39.04 | $39.04 | 12/4/2010 6:00:35 PM |
| well-mannered-income3 | $25.00 | $25.00 | 12/5/2010 8:38:07 AM |
| transparency-boss439 | $100.00 | $100.00 | 12/4/2010 9:48:13 PM |
| independent-silver9 | $100.00 | $100.00 | 12/5/2010 3:12:45 AM |
| bluehen00 | $50.00 | $50.00 | 12/5/2010 8:03:32 AM |
| jamiee73 | $25.00 | $25.00 | 12/4/2010 5:23:15 PM |
| vest_vortex | $25.00 | $25.00 | 12/5/2010 11:58:40 AM |
| prudent-dinero | $25.00 | $25.00 | 12/5/2010 8:25:02 PM |
| gold-cluster | $100.00 | $100.00 | 12/5/2010 4:02:32 PM |
| TeaHouseFinance | $25.00 | $15.92 | 12/5/2010 11:04:07 PM |
| MilitaryLending | $25.00 | $25.00 | 12/5/2010 4:03:38 PM |
| 51 bids
|
Borrower Payment Dependent Notes Series
485950
This series of Notes was issued and sold upon the funding of the borrower loan #45900, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,800.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 4.95% |
Auction start date:
| Nov-29-2010 |
| |
Auction end date:
| Dec-06-2010 |
|
|
Starting lender yield:
| 12.40% |
Starting borrower rate/APR:
| 13.40% / 15.55% |
Starting monthly payment:
| $162.66 |
|
Final lender yield:
| 10.33% |
Final borrower rate/APR:
| 11.33% / 13.45% |
Final monthly payment:
| $157.90 |
| |
|
Auction yield range:
| 5.57% - 12.40% |
Estimated loss impact:
| 5.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1988 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 760-779 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 6y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,956 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Borrower57 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 48 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Sep-2009)
780-799
(Nov-2007)
|
|
Principal balance:
| $4,043.52 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 48 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off credit cards used to pay college expenses for my kids.? Prosper loans are much more affordably priced than credit cards and they are amortized over 3 years, rather than continuing to revolve.
My financial situation:
I have had 2 other loans (both for $6000) through prosper and have never had a late payment.? My other?debts are also paid on time.
Monthly net income: $ 7000
Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 200
??Car expenses: $ 300
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??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
Q:
Your previous two loans show that your bankcard utilization was 28% and 32%. This listing shows that it is 96%. Please explain . - setUup
A:
Good question. As I noted in the "purpose of loan", I will use proceeds to pay off credit card balance from kids college related expenses. I presently have 2 credit cards, one with a $3000 limit and one with a $2000 limit. The $4800 proceeds of this loan will pay off those credit cards.
(Dec-01-2010)
Q:
Please explain the revolving balance of nearly $16k. - jaesposito
A:
I have 2 credit cards. One has a $3K limit, one has a $2K limit. These loans will be repaid with the proceeds of the subject loan. I also have a $12K line of credit with CITI which was used for college tuition. That loan is being paid down over time. It's current balance is approx $11K.
(Dec-04-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 11/29/2010 3:01:26 PM |
| Aberdeen | $999.99 | $999.99 | 11/29/2010 3:30:44 PM |
| investment-artist | $25.00 | $25.00 | 11/30/2010 9:02:08 AM |
| coolgenner | $50.00 | $50.00 | 12/1/2010 4:42:59 AM |
| lucrative-durability | $25.00 | $25.00 | 12/1/2010 4:33:37 AM |
| RainMakers | $25.00 | $25.00 | 12/1/2010 6:05:01 AM |
| rmpedi33 | $50.00 | $50.00 | 12/1/2010 10:26:15 AM |
| setUup | $100.00 | $100.00 | 12/2/2010 12:23:00 AM |
| grampy48 | $50.00 | $50.00 | 12/2/2010 1:15:16 PM |
| Cherrypicker | $50.00 | $50.00 | 12/2/2010 11:57:49 AM |
| BankofHoneybear | $50.00 | $50.00 | 12/3/2010 1:38:44 PM |
| corporatejim | $25.00 | $25.00 | 12/3/2010 4:43:15 PM |
| exchange-dreams | $25.00 | $25.00 | 12/3/2010 7:42:10 PM |
| samurai2 | $30.00 | $30.00 | 12/3/2010 9:39:21 PM |
| MonkeyHero | $25.00 | $25.00 | 12/4/2010 8:38:15 AM |
| chameleon125 | $50.00 | $50.00 | 12/4/2010 10:31:54 AM |
| reflective-rupee | $25.00 | $25.00 | 12/4/2010 9:02:42 PM |
| Aberdeen | $1,000.00 | $1,000.00 | 12/4/2010 9:09:13 PM |
| availableloan | $25.00 | $25.00 | 12/5/2010 3:50:44 PM |
| coin-sphinx4 | $100.00 | $100.00 | 12/4/2010 3:33:29 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 12/5/2010 3:55:38 PM |
| DRJWAW | $37.17 | $37.17 | 12/6/2010 6:25:51 AM |
| cashhelp | $25.00 | $25.00 | 12/5/2010 6:20:50 PM |
| Catz_aplenty | $30.00 | $30.00 | 12/6/2010 7:25:38 AM |
| jcw3rd | $25.00 | $25.00 | 12/5/2010 8:17:33 PM |
| vutah | $25.00 | $25.00 | 12/5/2010 8:31:47 PM |
| AustinAmerica | $25.00 | $25.00 | 12/5/2010 10:03:02 AM |
| secureincome | $1,800.00 | $192.61 | 12/6/2010 9:26:31 AM |
| LindaRicci | $25.00 | $25.00 | 12/6/2010 9:59:20 AM |
| kccameo | $25.00 | $25.00 | 12/6/2010 7:25:47 AM |
| justme4now | $25.00 | $25.00 | 12/5/2010 4:29:44 PM |
| indomitable-coin | $50.00 | $50.00 | 12/6/2010 1:06:54 PM |
| rutzebach | $65.76 | $65.76 | 12/5/2010 5:50:25 PM |
| orbital-return316 | $25.00 | $25.00 | 12/6/2010 10:29:33 AM |
| Bank_of_E-Ville | $25.91 | $25.91 | 12/6/2010 11:46:35 AM |
| moneytolend72 | $25.00 | $25.00 | 12/6/2010 12:07:53 PM |
| fund-javelin1 | $25.00 | $25.00 | 12/6/2010 1:10:30 PM |
| loanman2007 | $150.00 | $150.00 | 12/6/2010 1:13:34 PM |
| one-midas | $100.00 | $100.00 | 12/6/2010 2:07:20 PM |
| Bcs-cnc | $25.00 | $25.00 | 12/6/2010 10:31:23 AM |
| smalltown_mn | $25.00 | $25.00 | 12/6/2010 10:47:48 AM |
| jc33148 | $33.93 | $33.93 | 12/6/2010 2:46:16 PM |
| penny-plato | $50.00 | $50.00 | 11/29/2010 4:29:44 PM |
| MoneyForNothing | $74.29 | $74.29 | 11/30/2010 12:44:59 AM |
| MoneyTree79 | $73.48 | $73.48 | 12/1/2010 9:45:57 AM |
| jsnryn | $81.35 | $81.35 | 12/2/2010 8:56:46 AM |
| thankful-nickel2 | $25.00 | $25.00 | 12/4/2010 10:19:14 AM |
| rautility | $50.00 | $50.00 | 12/4/2010 7:08:10 PM |
| goal-benefit2 | $40.00 | $40.00 | 12/4/2010 10:11:09 PM |
| booie | $25.00 | $25.00 | 12/5/2010 10:33:36 AM |
| doopers | $25.00 | $25.00 | 12/5/2010 5:58:16 PM |
| mala54 | $25.00 | $25.00 | 12/6/2010 7:06:15 AM |
| triumph329 | $35.00 | $35.00 | 12/6/2010 9:49:15 AM |
| fireman4 | $30.00 | $30.00 | 12/6/2010 6:18:38 AM |
| Astyanax | $75.00 | $75.00 | 12/6/2010 12:04:11 PM |
| Leopoldine | $31.54 | $31.54 | 12/6/2010 9:13:47 AM |
| BlueProteus | $25.00 | $25.00 | 12/5/2010 6:16:39 PM |
| blue-useful-auction | $25.00 | $25.00 | 12/6/2010 1:51:50 PM |
| blue-useful-auction | $125.00 | $125.00 | 12/6/2010 2:55:10 PM |
| trajames | $38.97 | $38.97 | 12/6/2010 12:14:57 PM |
| outofoffice | $25.00 | $25.00 | 12/6/2010 12:27:30 PM |
| radiant-return | $30.00 | $30.00 | 12/6/2010 9:10:47 AM |
| mcs99 | $50.00 | $50.00 | 12/6/2010 10:43:44 AM |
| Johnab | $25.00 | $25.00 | 12/6/2010 11:33:53 AM |
| engaging-worth | $25.00 | $25.00 | 12/6/2010 2:24:12 PM |
| jayk63 | $25.00 | $25.00 | 12/6/2010 2:40:57 PM |
| 66 bids
|
Borrower Payment Dependent Notes Series
485962
This series of Notes was issued and sold upon the funding of the borrower loan #45897, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 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% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 25.00% |
Final borrower rate/APR:
| 26.00% / 32.01% |
Final monthly payment:
| $40.29 |
| |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 25.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.44% | | |
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:
| Mar-2002 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,000 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rupee-crescendo |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for My Clothing Company
Purpose of loan:
I am in the process of starting a clothing business
that will specialize in t-shirts and clothing with art by local artists. This loan
will provide the start-up capital I need to pay for supplies and marketing.
My financial situation:
I am a good candidate for this loan because in addition to working full time, I will use Prosper funds to generate more income for myself and grow my business. Sales outlets are already in place for the products I will produce, including 2 retail outlets.
Monthly net income: $
4,300.00 (Household.? My husband and I share our income)
Monthly expenses: $
??Housing: $
500.00
? Utilities: $
60.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $
300.00
??Clothing, household expenses $
50.00
??Credit cards and other loans: $
400.00
Information in the Description is not verified.
Friends And Family Winning Bids
platinum-enlightenment has bid a total of
$25.00 in winning bids.
friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
Q:
In the last listing you requested a loan for an organic food business, please enlighten us why you changed your mind ? Thanks. - Fantastyx
A:
The organic food business is still a possibility in the future, but will require quite a bit more capital in the beginning for it to remain a viable company. My husband and I wrote and entire business plan for the food business and after doing some more research we have decided to go with our long time idea of starting a t-shirt business instead because it will take a lot less money to get it off the ground.
(Nov-30-2010)
Q:
just 1 more question, we are in a recession, so why do you have the confident to open a new business ? Thanks again and God bless ! - Fantastyx
A:
Hi again. Minding the economy, we put our food business plans on hold, because we are about doing things right--not just doing them. Consumers have not stopped spending, and our modest goals with the t-shirt company assure our success. Where cash flow was the issue with a perishable foods company, boutique clothing holds its value and has a very long shelf life. We have 3 contractors ready to sell, as well as 3 retail outlets and online. This is where our confidence lies.
(Dec-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| alexgalt | $50.00 | $50.00 | 11/29/2010 8:52:45 PM |
| Kash2010lu | $50.00 | $50.00 | 12/1/2010 11:34:44 AM |
| bluebouyz | $25.00 | $25.00 | 12/1/2010 7:34:03 PM |
| Fantastyx | $300.00 | $300.00 | 12/1/2010 4:24:07 PM |
| dudebrah | $25.00 | $25.00 | 12/4/2010 12:26:15 PM |
| Mr333 | $160.00 | $75.00 | 12/5/2010 2:53:52 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 12/5/2010 9:40:24 PM |
| prominence8 | $25.00 | $25.00 | 12/6/2010 10:42:18 AM |
| marwadi-62 | $100.00 | $100.00 | 12/3/2010 10:49:55 AM |
| platinum-enlightenment | $25.00 | $25.00 | 12/3/2010 11:05:59 PM |
| JGuide | $25.00 | $25.00 | 12/4/2010 2:03:50 PM |
| melodious-openness | $100.00 | $100.00 | 12/5/2010 6:10:00 AM |
| calimanusa | $25.00 | $25.00 | 12/4/2010 4:17:43 PM |
| britches613 | $25.00 | $25.00 | 12/5/2010 8:51:45 PM |
| markhmn | $50.00 | $50.00 | 12/6/2010 7:30:31 AM |
| rome1426 | $25.00 | $25.00 | 12/5/2010 7:46:46 PM |
| Ols744 | $25.00 | $25.00 | 12/6/2010 10:28:51 AM |
| wild-orange | $25.00 | $25.00 | 12/6/2010 11:35:41 AM |
| 18 bids
|
Borrower Payment Dependent Notes Series
486128
This series of Notes was issued and sold upon the funding of the borrower loan #45824, 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:
| 18.30% |
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:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $158.33 |
| |
|
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:
| Jul-1984 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 11y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,719 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| epic-p2p5 |
Borrower's state:
| Nebraska |
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
Combine 2 car loans into 1 loan
Purpose of loan:
This loan will be used to combine 2 car loan payments into 1 lower loan payment to Prosper and allow me to pay off some other smaller bills, too.
My financial situation:
I am a good candidate for this loan because I am a hard worker and have been with the same company for almost 12 years.??All of my monthly bills have been paid on time for the last 2 years and for many years before that.?
With your help I can get?this loan through Prosper and it will also help me improve my future credit rating.?
Please help me achieve all of this by bidding on my loan request.?
I think that Prosper lenders are awesome!
Thank you for your help!!!!!?
Monthly net income: $?4,350
Monthly expenses: $ 3,972
??Housing: $ 1,375
??Insurance: $ 362
??Car expenses: $ 140?
??Utilities: $ 250
??Phone, cable, internet: $ 300?
??Food, entertainment: $ 750
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 530
??Other expenses: $ 165 (Doctor bills and prescriptions)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you tell us the interest rates of the credit card debt and of the car loans? Good luck! - Milonguero
A:
The credit card rates are 18.9% and compounding monthly making it difficult to make much headway on the payments. The car loans are only about 8.5%, but I would like to add them so my total monthly payment is less than I am paying now.
Thank you for your interest!
(Dec-03-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| sturdy-peace9 | $50.00 | $50.00 | 12/6/2010 10:01:11 PM |
| money-bauble | $100.00 | $100.00 | 11/30/2010 2:02:52 PM |
| graceful-investment | $100.00 | $100.00 | 11/30/2010 2:01:15 PM |
| lendstats_com | $200.00 | $200.00 | 11/30/2010 4:27:55 PM |
| Redmond | $25.00 | $25.00 | 12/1/2010 2:01:09 PM |
| Diamond_Jim | $25.00 | $25.00 | 12/1/2010 2:55:47 PM |
| Quest4euphoria | $25.00 | $25.00 | 12/3/2010 8:26:09 AM |
| luminous-payout6 | $25.00 | $25.00 | 12/5/2010 3:05:01 PM |
| banker65010 | $25.00 | $25.00 | 12/6/2010 2:48:23 PM |
| dcap3 | $25.00 | $25.00 | 12/6/2010 3:24:48 PM |
| abundant-credit6 | $25.00 | $25.00 | 12/6/2010 3:26:06 PM |
| red-unequivocal-finance | $25.00 | $22.35 | 12/6/2010 3:26:19 PM |
| Gibbyland | $50.00 | $50.00 | 12/6/2010 2:14:40 PM |
| tszbgae | $50.00 | $50.00 | 12/6/2010 3:20:43 PM |
| Wilvara | $25.00 | $25.00 | 12/6/2010 3:21:36 PM |
| lucrative-transparency0 | $25.00 | $25.00 | 12/6/2010 3:23:58 PM |
| AlexTrep | $25.00 | $25.00 | 12/6/2010 3:24:02 PM |
| copper | $50.00 | $50.00 | 12/6/2010 3:24:54 PM |
| panegryst | $50.00 | $50.00 | 12/6/2010 3:25:58 PM |
| authoritative-capital | $25.00 | $25.00 | 12/6/2010 3:18:18 PM |
| SelectTrustLending | $25.00 | $25.00 | 12/6/2010 3:22:29 PM |
| rockstar78 | $25.00 | $25.00 | 12/6/2010 3:22:53 PM |
| wise-silver-wonder | $25.00 | $25.00 | 12/6/2010 3:23:04 PM |
| MrBailey | $25.00 | $25.00 | 12/6/2010 3:23:39 PM |
| contract-maracas | $50.00 | $50.00 | 12/6/2010 3:24:04 PM |
| dedicated-transaction796 | $50.00 | $50.00 | 12/6/2010 3:24:27 PM |
| wampum-launcher0 | $25.00 | $25.00 | 12/6/2010 3:25:22 PM |
| first-serene-credit | $25.00 | $25.00 | 12/6/2010 4:53:27 PM |
| helping-out | $25.00 | $25.00 | 12/6/2010 8:59:47 PM |
| california5andime | $25.00 | $25.00 | 12/6/2010 9:09:25 PM |
| Green-Baron | $25.00 | $25.00 | 12/6/2010 9:22:57 PM |
| MilitaryLending | $25.00 | $25.00 | 12/6/2010 5:37:52 PM |
| economy-synapse | $50.00 | $50.00 | 12/6/2010 6:30:38 PM |
| green-friendly-bill | $100.00 | $100.00 | 12/7/2010 5:54:31 AM |
| Socal | $25.00 | $25.00 | 12/7/2010 7:34:24 AM |
| Makingitrain | $25.00 | $25.00 | 12/7/2010 2:35:59 AM |
| autoconnection | $25.00 | $25.00 | 12/7/2010 4:09:42 AM |
| Lubava | $50.00 | $50.00 | 12/7/2010 10:43:25 AM |
| soulful-dime1 | $125.00 | $125.00 | 12/7/2010 11:09:36 AM |
| Artist_Blue | $25.00 | $25.00 | 12/1/2010 5:32:46 AM |
| forthright-dedication | $25.00 | $25.00 | 12/1/2010 8:49:29 AM |
| tech310 | $25.00 | $25.00 | 12/1/2010 2:54:41 PM |
| ASR3 | $25.00 | $25.00 | 12/1/2010 2:54:25 PM |
| BankofBen | $25.00 | $25.00 | 12/1/2010 3:00:48 PM |
| kulender | $50.00 | $50.00 | 12/1/2010 2:04:58 PM |
| jamiee73 | $25.00 | $25.00 | 12/1/2010 4:59:33 PM |
| worthy-bid8 | $25.00 | $25.00 | 12/1/2010 10:28:40 PM |
| visionary-currency | $25.00 | $25.00 | 12/2/2010 8:29:31 AM |
| IIP77 | $25.00 | $25.00 | 12/4/2010 4:38:27 AM |
| nybanker85 | $25.00 | $25.00 | 12/4/2010 2:22:41 PM |
| yeti888 | $25.00 | $25.00 | 12/5/2010 5:47:51 AM |
| gold-channel2 | $50.00 | $50.00 | 12/6/2010 3:23:23 PM |
| guardian259 | $25.00 | $25.00 | 12/6/2010 3:24:24 PM |
| jasperpants | $25.00 | $25.00 | 12/6/2010 3:24:42 PM |
| exchange-pledge | $25.00 | $25.00 | 12/6/2010 3:26:01 PM |
| aldeed | $100.00 | $100.00 | 12/6/2010 3:26:09 PM |
| tender-transaction | $50.00 | $50.00 | 12/6/2010 1:47:13 PM |
| Comoparklender | $25.00 | $25.00 | 12/6/2010 3:20:11 PM |
| meteoric-asset4 | $25.00 | $25.00 | 12/6/2010 3:21:33 PM |
| KiwiElf | $25.00 | $25.00 | 12/6/2010 3:21:52 PM |
| slushfunder | $25.00 | $25.00 | 12/6/2010 3:21:57 PM |
| wampum-chorus3 | $45.00 | $45.00 | 12/6/2010 3:23:02 PM |
| nycloan | $25.00 | $25.00 | 12/6/2010 3:23:18 PM |
| swoosh | $25.00 | $25.00 | 12/6/2010 3:24:17 PM |
| reflective-cash0 | $50.00 | $50.00 | 12/6/2010 3:26:04 PM |
| data2360 | $50.00 | $50.00 | 12/6/2010 3:19:32 PM |
| Aleut | $25.00 | $25.00 | 12/6/2010 3:23:34 PM |
| inspiring-reward | $100.00 | $100.00 | 12/6/2010 3:24:09 PM |
| dough-destiny | $25.00 | $25.00 | 12/6/2010 3:24:26 PM |
| green-capital-hornet | $25.00 | $25.00 | 12/6/2010 3:25:27 PM |
| head | $25.00 | $25.00 | 12/6/2010 3:25:47 PM |
| Bookophile | $50.00 | $50.00 | 12/6/2010 3:26:13 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/6/2010 5:33:32 PM |
| dsnybnd | $25.00 | $25.00 | 12/6/2010 6:36:16 PM |
| dudebrah | $25.00 | $25.00 | 12/6/2010 8:39:46 PM |
| EngineerUSMC | $32.65 | $32.65 | 12/6/2010 5:35:17 PM |
| decisive-dough | $25.00 | $25.00 | 12/7/2010 12:25:28 AM |
| gold-cluster | $100.00 | $100.00 | 12/6/2010 5:50:20 PM |
| unger | $100.00 | $100.00 | 12/6/2010 7:44:00 PM |
| investment-visionary | $25.00 | $25.00 | 12/6/2010 8:01:37 PM |
| Cessna172 | $25.00 | $25.00 | 12/7/2010 7:18:28 AM |
| carrinel | $50.00 | $50.00 | 12/7/2010 8:00:17 AM |
| reflective-rupee | $100.00 | $100.00 | 12/6/2010 8:27:00 PM |
| alexgalt | $25.00 | $25.00 | 12/6/2010 9:48:38 PM |
| jhernand17 | $25.00 | $25.00 | 12/7/2010 9:00:33 AM |
| Shanester | $25.00 | $25.00 | 12/7/2010 5:52:09 AM |
| Bob450 | $25.00 | $25.00 | 12/7/2010 9:55:44 AM |
| aquistoyraul | $25.00 | $25.00 | 12/7/2010 10:53:23 AM |
| 88 bids
|
Borrower Payment Dependent Notes Series
486130
This series of Notes was issued and sold upon the funding of the borrower loan #45912, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% |
Auction start date:
| Nov-30-2010 |
| |
Auction end date:
| Dec-07-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Final lender yield:
| 32.99% |
Final borrower rate/APR:
| 33.99% / 37.69% |
Final monthly payment:
| $335.00 |
| |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 25.95% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 8y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Tradesman - Carpent... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,508 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| coffetime |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
i need a new a/c system
Purpose of loan:
This loan will be used to? replace my existing a/c unit. i am restoring an old house, and the hvac unit is 26 years old. i would like to replace it this year so that i can take advantage of tax credits.
My financial situation:
I am a good candidate for this loan because?I have the ability to repay the loan.?I am in the construction industry, and have been fortunate to have not felt the pain of recession. I specialise in high end custom work(cabinetry, staircases, etc.) and as the mass of foreclosed homes move their way through the market, I stay busy updating and modernising these homes.?I have a large base of contractors and realtors?I work with in the north florida area. between all of these sources, I stay very busy.?
Monthly net income: $ 8000
Monthly expenses: $
??Housing: $ 1534
??Insurance: $ 188
??Car expenses: $ 0
??Utilities: $ 400
??Phone, cable, internet: $ 200
??Food, entertainment: $?800
??Clothing, household expenses $250
??Credit cards and other loans: $ 700
??Other expenses: $ 500
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Skeptical-one | $31.00 | $31.00 | 11/30/2010 2:04:22 PM |
| UCLA4life | $25.00 | $25.00 | 11/30/2010 2:13:15 PM |
| reflective-rupee | $300.00 | $300.00 | 12/1/2010 9:40:24 AM |
| alexgalt | $25.00 | $25.00 | 12/1/2010 10:09:54 PM |
| good4loan | $25.00 | $25.00 | 12/2/2010 4:38:32 PM |
| reflective-rupee | $100.00 | $100.00 | 12/3/2010 8:32:02 AM |
| reflective-rupee | $100.00 | $100.00 | 12/3/2010 8:32:48 AM |
| mikeandcat | $100.00 | $100.00 | 12/3/2010 10:10:17 AM |
| alexgalt | $25.00 | $25.00 | 12/4/2010 1:39:09 AM |
| icanhasloanz | $200.00 | $200.00 | 12/6/2010 1:27:23 AM |
| return-grizzly | $1,300.00 | $1,300.00 | 12/7/2010 12:12:10 AM |
| Moe87 | $30.00 | $30.00 | 12/7/2010 3:39:48 AM |
| eod_man | $150.00 | $150.00 | 12/7/2010 1:55:36 PM |
| Kash2010lu | $50.00 | $50.00 | 12/7/2010 8:46:13 AM |
| houli123 | $944.34 | $944.34 | 12/7/2010 9:33:44 AM |
| mrxtravis | $50.00 | $50.00 | 12/7/2010 9:37:24 AM |
| currency-bumblebee | $50.00 | $50.00 | 12/7/2010 10:00:29 AM |
| socialinvestment | $25.00 | $25.00 | 12/7/2010 1:12:48 PM |
| head | $25.00 | $25.00 | 12/1/2010 9:34:16 AM |
| reflective-rupee | $100.00 | $100.00 | 12/3/2010 8:32:24 AM |
| blitzen40 | $35.00 | $35.00 | 12/6/2010 8:36:14 PM |
| kindness-venture1 | $50.00 | $50.00 | 12/6/2010 7:10:39 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/7/2010 4:03:19 AM |
| lucrative-loan | $25.00 | $25.00 | 12/7/2010 12:43:30 PM |
| cashhelp | $30.00 | $30.00 | 12/7/2010 1:39:21 PM |
| chameleon125 | $75.00 | $75.00 | 12/7/2010 6:09:27 AM |
| 340 | $25.00 | $25.00 | 12/7/2010 9:46:27 AM |
| jhernand17 | $25.00 | $25.00 | 12/7/2010 9:02:21 AM |
| Bob450 | $35.00 | $35.00 | 12/7/2010 1:38:06 PM |
| jhouman | $25.00 | $25.00 | 12/7/2010 1:17:33 PM |
| MilitaryLoans | $4,130.34 | $3,494.66 | 12/7/2010 1:58:02 PM |
| 31 bids
|
Borrower Payment Dependent Notes Series
486530
This series of Notes was issued and sold upon the funding of the borrower loan #45921, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.50% |
Auction start date:
| Dec-02-2010 |
| |
Auction end date:
| Dec-06-2010 |
|
|
Starting lender yield:
| 9.95% |
Starting borrower rate/APR:
| 10.95% / 13.07% |
Starting monthly payment:
| $196.29 |
|
Final lender yield:
| 9.95% |
Final borrower rate/APR:
| 10.95% / 13.07% |
Final monthly payment:
| $196.29 |
| |
|
Auction yield range:
| 3.57% - 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:
| May-1989 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 7y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,697 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| influential-euro0 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off high interest credit cards. and have a fixed payment rate for a set amount of time.
My financial situation:
I am a good candidate for this loan because my credit score is in good standing, I?am gainfully employed earning a good salary. My debt to income ratio is relatively low.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Do you intend to close the accounts you're paying off? - heroic-payout9
A:
I intend to close the accounts I'm paying off.
(Dec-03-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ray1051 | $75.00 | $75.00 | 12/2/2010 4:33:46 PM |
| hopeful-truth5 | $100.00 | $100.00 | 12/2/2010 4:34:10 PM |
| finance_mba | $25.00 | $25.00 | 12/2/2010 4:34:20 PM |
| ASR3 | $25.00 | $25.00 | 12/2/2010 4:34:44 PM |
| jazzlender | $25.00 | $25.00 | 12/2/2010 4:30:59 PM |
| radforj22 | $25.00 | $25.00 | 12/2/2010 4:35:53 PM |
| the-enterprising-leverage | $25.00 | $25.00 | 12/2/2010 4:38:13 PM |
| GElender | $75.00 | $75.00 | 12/2/2010 4:39:04 PM |
| platinum-celebration4 | $25.00 | $25.00 | 12/2/2010 4:34:36 PM |
| native68 | $50.00 | $50.00 | 12/2/2010 4:41:11 PM |
| kulender | $50.00 | $50.00 | 12/2/2010 4:41:53 PM |
| turbospeed | $25.00 | $25.00 | 12/2/2010 4:54:16 PM |
| handshake5 | $100.00 | $100.00 | 12/2/2010 4:43:50 PM |
| money-bauble | $100.00 | $100.00 | 12/2/2010 4:31:48 PM |
| rss197 | $25.00 | $25.00 | 12/2/2010 4:32:35 PM |
| Headhunter14 | $25.00 | $25.00 | 12/2/2010 4:32:52 PM |
| dunox | $25.00 | $25.00 | 12/2/2010 4:33:02 PM |
| reflective-rupee | $100.00 | $100.00 | 12/2/2010 6:14:28 PM |
| trade-boots1 | $100.00 | $100.00 | 12/2/2010 4:37:16 PM |
| wayman | $50.00 | $50.00 | 12/2/2010 4:37:26 PM |
| natural-affluence4 | $25.00 | $25.00 | 12/2/2010 4:40:43 PM |
| Artist_Blue | $25.00 | $25.00 | 12/2/2010 4:43:00 PM |
| pinballeffect | $38.00 | $38.00 | 12/2/2010 10:17:46 PM |
| dma1206 | $25.00 | $25.00 | 12/3/2010 3:26:09 AM |
| greenback-guard | $25.00 | $25.00 | 12/3/2010 5:10:12 AM |
| sk10023 | $50.00 | $50.00 | 12/2/2010 8:53:12 PM |
| newest-funds-powerplant | $25.00 | $25.00 | 12/2/2010 8:54:31 PM |
| wwwUniversal | $25.00 | $25.00 | 12/3/2010 6:57:52 AM |
| JustMee | $25.00 | $25.00 | 12/3/2010 12:05:46 PM |
| blissful-deal0 | $30.00 | $30.00 | 12/3/2010 7:27:09 PM |
| manuvns | $25.00 | $25.00 | 12/3/2010 4:52:52 PM |
| credit-birch | $50.00 | $50.00 | 12/3/2010 9:22:31 PM |
| Dan4703 | $25.00 | $25.00 | 12/4/2010 5:35:48 AM |
| rmpedi33 | $50.00 | $50.00 | 12/4/2010 8:27:12 AM |
| Whitewater_Loans | $50.00 | $50.00 | 12/4/2010 9:46:19 AM |
| mrwonderful272 | $25.00 | $25.00 | 12/4/2010 10:03:56 AM |
| bigb7 | $28.56 | $28.56 | 12/4/2010 6:51:45 PM |
| chameleon125 | $25.00 | $25.00 | 12/4/2010 11:25:43 AM |
| SOP_Bank | $25.00 | $25.00 | 12/4/2010 7:53:35 PM |
| Quid-Pro-Quo | $25.00 | $25.00 | 12/5/2010 7:38:47 AM |
| thankful-nickel2 | $25.00 | $25.00 | 12/5/2010 1:54:24 PM |
| Nazbuster | $100.00 | $100.00 | 12/5/2010 6:36:33 AM |
| availableloan | $25.00 | $25.00 | 12/5/2010 4:08:30 PM |
| economy-beast | $25.00 | $25.00 | 12/6/2010 6:57:56 AM |
| simplelender80 | $250.00 | $250.00 | 12/2/2010 4:33:47 PM |
| selector568 | $400.00 | $400.00 | 12/2/2010 4:33:54 PM |
| Pulchritudinous | $25.00 | $25.00 | 12/2/2010 4:34:12 PM |
| AFairDeal | $50.00 | $50.00 | 12/2/2010 4:34:51 PM |
| Ripsaw4U | $50.00 | $50.00 | 12/2/2010 4:30:46 PM |
| Webpreneur | $50.00 | $50.00 | 12/2/2010 4:35:46 PM |
| careful-note | $100.00 | $100.00 | 12/2/2010 4:31:17 PM |
| tech310 | $50.00 | $50.00 | 12/2/2010 4:31:57 PM |
| indomitable-coin | $50.00 | $50.00 | 12/2/2010 4:33:20 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 12/2/2010 4:35:03 PM |
| kind-adventurous-finance | $50.00 | $50.00 | 12/2/2010 4:40:31 PM |
| RandyL3 | $25.00 | $25.00 | 12/2/2010 4:40:47 PM |
| first-upright-payout | $25.00 | $25.00 | 12/2/2010 4:42:00 PM |
| granitepk | $50.00 | $50.00 | 12/2/2010 4:43:55 PM |
| SimpleChoice | $25.00 | $25.00 | 12/2/2010 4:44:38 PM |
| velocity-solo | $25.00 | $25.00 | 12/2/2010 4:44:51 PM |
| enthralling-deal180 | $50.00 | $50.00 | 12/2/2010 4:33:42 PM |
| SCD | $25.00 | $25.00 | 12/2/2010 8:34:29 PM |
| simiray | $30.00 | $30.00 | 12/2/2010 10:02:21 PM |
| bid-czar8 | $100.00 | $100.00 | 12/2/2010 4:36:44 PM |
| the-bright-velocity | $25.00 | $25.00 | 12/2/2010 4:39:07 PM |
| worthy-bid8 | $100.00 | $100.00 | 12/2/2010 4:43:16 PM |
| ichibon | $150.00 | $14.73 | 12/2/2010 4:45:37 PM |
| forthright-principal2 | $25.00 | $25.00 | 12/3/2010 5:52:45 AM |
| engaging-worth | $25.00 | $25.00 | 12/3/2010 10:49:47 AM |
| grampy48 | $40.00 | $40.00 | 12/3/2010 7:41:47 AM |
| beachfunder | $25.00 | $25.00 | 12/3/2010 8:36:42 AM |
| outofoffice | $50.00 | $50.00 | 12/3/2010 10:10:52 AM |
| secureincome | $2,000.00 | $2,000.00 | 12/3/2010 5:10:20 PM |
| newest-bountiful-basis | $25.00 | $25.00 | 12/3/2010 5:28:26 PM |
| FundMaker | $25.00 | $25.00 | 12/3/2010 4:54:54 PM |
| wampum-chorus3 | $25.00 | $25.00 | 12/4/2010 6:21:41 AM |
| BlessedEveryDay | $25.00 | $25.00 | 12/4/2010 7:11:29 AM |
| wampum-chorus3 | $28.71 | $28.71 | 12/4/2010 5:17:30 AM |
| heerzaquestion | $25.00 | $25.00 | 12/4/2010 2:12:28 PM |
| JedClampett | $75.00 | $75.00 | 12/4/2010 6:58:47 AM |
| JerryB96 | $25.00 | $25.00 | 12/4/2010 7:50:33 AM |
| allocator5 | $25.00 | $25.00 | 12/4/2010 6:07:50 PM |
| p2p-eagle9 | $25.00 | $25.00 | 12/5/2010 8:31:15 AM |
| vutah | $25.00 | $25.00 | 12/4/2010 9:30:03 PM |
| bxdoc | $40.00 | $40.00 | 12/6/2010 5:28:05 AM |
| spiff666 | $25.00 | $25.00 | 12/5/2010 6:12:06 PM |
| 86 bids
|
Borrower Payment Dependent Notes Series
486600
This series of Notes was issued and sold upon the funding of the borrower loan #45918, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Dec-03-2010 |
| |
Auction end date:
| Dec-04-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $147.62 |
|
Final lender yield:
| 28.50% |
Final borrower rate/APR:
| 29.50% / 33.10% |
Final monthly payment:
| $147.62 |
| |
|
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:
| Aug-1994 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 18y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $726 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| burgeoning-wampum0 |
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
Auto repair and Home repair
Purpose of loan:
This loan will be used to do a home repair, car repairs?and debt consolidation from higher rates since paying off school loans first.?
My financial situation:
I am a good candidate for this loan because I have been a worthy credit risk and never late, and with credit scores from 720-739, it demonstrates that I am low risk, especially based on the current website feedback on credit losses in this program.? The D rating is an indicator of NOT having done this program before.?? I have gone through my military bank; however, the data and reporting agency are not complete and show young credit as a majority of my credit has dropped off since grad school.
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| money-bauble | $25.00 | $25.00 | 12/3/2010 2:16:13 PM |
| Thylow | $100.00 | $100.00 | 12/3/2010 2:18:15 PM |
| ASR3 | $25.00 | $25.00 | 12/3/2010 2:19:33 PM |
| finance-prescription | $100.00 | $100.00 | 12/3/2010 2:19:46 PM |
| integrity-doctor | $100.00 | $100.00 | 12/3/2010 2:12:09 PM |
| mercuriant | $25.00 | $25.00 | 12/3/2010 2:27:55 PM |
| dedicated-transaction796 | $45.47 | $45.47 | 12/3/2010 2:57:45 PM |
| kulender | $50.00 | $50.00 | 12/3/2010 2:23:12 PM |
| Artist_Blue | $25.00 | $25.00 | 12/3/2010 2:24:31 PM |
| worthy-bid8 | $50.00 | $50.00 | 12/3/2010 2:26:25 PM |
| reflective-rupee | $200.00 | $200.00 | 12/3/2010 2:27:57 PM |
| paytonbrigadier | $250.00 | $250.00 | 12/3/2010 2:30:06 PM |
| GElender | $25.00 | $25.00 | 12/3/2010 2:33:37 PM |
| felicity-festival | $25.00 | $25.00 | 12/3/2010 2:42:05 PM |
| EBITDA | $25.00 | $25.00 | 12/3/2010 2:43:46 PM |
| Thylow | $25.00 | $25.00 | 12/3/2010 2:18:06 PM |
| Thylow | $25.00 | $25.00 | 12/3/2010 2:19:14 PM |
| simplelender80 | $100.00 | $100.00 | 12/3/2010 2:19:38 PM |
| interstellar | $50.00 | $50.00 | 12/3/2010 4:29:51 PM |
| ichibon | $50.00 | $50.00 | 12/3/2010 2:24:15 PM |
| Redmond | $25.00 | $25.00 | 12/3/2010 2:25:52 PM |
| ThatDanGuy | $87.60 | $87.60 | 12/3/2010 2:31:15 PM |
| commerce-yeller | $25.00 | $25.00 | 12/3/2010 2:43:42 PM |
| honey-money | $25.00 | $25.00 | 12/3/2010 8:12:46 PM |
| SolarMoonshine | $50.00 | $50.00 | 12/3/2010 5:42:22 PM |
| hopeful-truth5 | $75.00 | $75.00 | 12/3/2010 2:17:06 PM |
| nickel-hickory | $50.00 | $50.00 | 12/3/2010 2:22:27 PM |
| handshake5 | $100.00 | $100.00 | 12/3/2010 2:26:00 PM |
| reflective-rupee | $400.00 | $400.00 | 12/3/2010 2:27:34 PM |
| the-dollar-topper | $100.00 | $100.00 | 12/3/2010 2:30:38 PM |
| gold-channel2 | $50.00 | $50.00 | 12/3/2010 2:31:21 PM |
| Whipster | $25.00 | $25.00 | 12/3/2010 2:42:26 PM |
| bid-czar8 | $100.00 | $100.00 | 12/3/2010 2:20:48 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 12/3/2010 2:21:17 PM |
| graceful-investment | $100.00 | $100.00 | 12/3/2010 2:12:29 PM |
| DonaldColorado | $50.00 | $50.00 | 12/3/2010 2:20:27 PM |
| hurricanefever | $50.00 | $50.00 | 12/3/2010 6:43:29 PM |
| magnolia161 | $50.00 | $50.00 | 12/3/2010 7:09:59 PM |
| secureincome | $180.00 | $150.93 | 12/3/2010 3:56:32 PM |
| 371millwood | $300.00 | $300.00 | 12/3/2010 4:26:19 PM |
| Ubiquinone | $35.00 | $35.00 | 12/3/2010 4:29:21 PM |
| Alpha-AssistU | $25.00 | $25.00 | 12/3/2010 6:47:44 PM |
| Nazbuster | $50.00 | $50.00 | 12/3/2010 6:51:56 PM |
| Rogelio48 | $30.00 | $30.00 | 12/4/2010 2:06:23 AM |
| back-scratchers | $25.00 | $25.00 | 12/3/2010 6:30:01 PM |
| hidavehi | $26.00 | $26.00 | 12/3/2010 9:34:58 PM |
| EngineersAlliance | $100.00 | $100.00 | 12/3/2010 9:57:10 PM |
| JustMee | $25.00 | $25.00 | 12/3/2010 10:45:26 PM |
| alexgalt | $25.00 | $25.00 | 12/4/2010 1:44:50 AM |
| 49 bids
|
Borrower Payment Dependent Notes Series
486640
This series of Notes was issued and sold upon the funding of the borrower loan #45891, 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:
| Dec-03-2010 |
| |
Auction end date:
| Dec-07-2010 |
|
|
Starting lender yield:
| 24.45% |
Starting borrower rate/APR:
| 25.45% / 28.96% |
Starting monthly payment:
| $199.99 |
|
Final lender yield:
| 24.45% |
Final borrower rate/APR:
| 25.45% / 28.96% |
Final monthly payment:
| $199.99 |
| |
|
Auction yield range:
| 10.57% - 24.45% |
Estimated loss impact:
| 10.40% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.05% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 620-639 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,543 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| JDC23 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Nov-2009)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Paying of my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards and consolidate them down into one monthly payment.
My financial situation:
I am a good candidate for this loan because I just recently got a promotion where I will be making a salary of $35000 per year. Plus I will be receiving extra compensation for the overtime I will be working. I am projecting to make between $45000 and $50000. Also, as you can see, I just paid off my previous loan I had through Prosper earlier than I was required. I always make my payments on time and I am always looking to pay them off sooner when the extra money becomes available.
Monthly net income: $ 2916.66 + Overtime
Monthly expenses: $
??Housing: $ 388.18
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $?300
??Clothing, household expenses $ varies
??Credit cards and other loans: $ 650
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| tech310 | $50.00 | $50.00 | 12/3/2010 2:27:10 PM |
| alexgalt | $50.00 | $50.00 | 12/3/2010 2:16:44 PM |
| Trakissta | $300.00 | $300.00 | 12/3/2010 5:15:12 PM |
| 113121 | $2,000.00 | $2,000.00 | 12/3/2010 2:56:13 PM |
| reflective-rupee | $500.00 | $500.00 | 12/3/2010 3:43:13 PM |
| SolarMoonshine | $50.00 | $50.00 | 12/3/2010 5:46:37 PM |
| harddollars | $25.00 | $25.00 | 12/4/2010 2:16:22 PM |
| platinum-hunter7 | $25.00 | $25.00 | 12/4/2010 7:01:02 AM |
| Bcs-cnc | $54.81 | $54.81 | 12/4/2010 9:21:57 PM |
| PXM-Financial | $50.00 | $50.00 | 12/4/2010 10:31:02 PM |
| bughead | $25.00 | $25.00 | 12/5/2010 2:23:47 AM |
| thankful-nickel2 | $25.00 | $25.00 | 12/4/2010 7:07:51 PM |
| FIRE09 | $25.00 | $25.00 | 12/6/2010 9:26:34 AM |
| investment-artist | $25.00 | $25.00 | 12/6/2010 10:12:07 AM |
| nickel-position | $25.00 | $25.00 | 12/6/2010 12:15:37 PM |
| integrity-doctor | $100.00 | $100.00 | 12/6/2010 4:18:38 PM |
| lucrative-loan | $50.00 | $50.00 | 12/3/2010 2:56:45 PM |
| natural-trade7 | $100.00 | $100.00 | 12/3/2010 8:18:10 PM |
| Bob450 | $30.00 | $30.00 | 12/3/2010 4:34:04 PM |
| Onlyhappycustomers | $25.00 | $25.00 | 12/3/2010 7:22:35 PM |
| Requiem | $25.00 | $25.00 | 12/4/2010 8:52:20 AM |
| DasMula | $100.00 | $100.00 | 12/4/2010 9:59:16 AM |
| CASSHMAN | $75.00 | $75.00 | 12/4/2010 4:26:30 PM |
| loanman2007 | $100.00 | $100.00 | 12/4/2010 6:01:30 AM |
| 113121 | $2,000.00 | $841.63 | 12/4/2010 6:32:06 AM |
| head | $25.00 | $25.00 | 12/5/2010 9:49:15 AM |
| Nazbuster | $50.00 | $50.00 | 12/5/2010 7:41:54 AM |
| honey-money | $25.00 | $25.00 | 12/5/2010 5:39:38 PM |
| kendallv | $50.00 | $50.00 | 12/5/2010 5:22:49 PM |
| dcap3 | $25.00 | $25.00 | 12/6/2010 6:28:26 AM |
| hurricanefever | $50.00 | $50.00 | 12/6/2010 10:03:43 PM |
| ore-dojo | $25.00 | $25.00 | 12/7/2010 10:39:58 AM |
| laidback59 | $48.56 | $48.56 | 12/7/2010 9:31:27 AM |
| credit-guard5 | $25.00 | $25.00 | 12/7/2010 11:32:52 AM |
| 34 bids
|
Borrower Payment Dependent Notes Series
486668
This series of Notes was issued and sold upon the funding of the borrower loan #45894, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.70% |
Auction start date:
| Dec-03-2010 |
| |
Auction end date:
| Dec-07-2010 |
|
|
Starting lender yield:
| 20.40% |
Starting borrower rate/APR:
| 21.40% / 24.82% |
Starting monthly payment:
| $568.21 |
|
Final lender yield:
| 20.40% |
Final borrower rate/APR:
| 21.40% / 24.82% |
Final monthly payment:
| $568.21 |
| |
|
Auction yield range:
| 7.57% - 20.40% |
Estimated loss impact:
| 9.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.22% | | |
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-1995 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 800-819 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 6y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,418 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| fantastic-coin6 |
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
Buying a restaurant
Purpose of loan:
I am requesting this loan to be working capital to help me get started with my restaurant.? The restaurant has been around for 15 years and?is making $150,000 pre tax profits.?? I have been able to handle all of the financing for the business and now just need a little bit of funds to have as working capital.
My financial situation:
My financial situation is good, I have a current job which I will maintain that pays me $64,000 salary per year plus bonus.? Bonuses have been 30% of my base consistently for the?5 years I have been at this job.?? All the expenses below are personal expenses, the business expenses can be discussed if you have any questions.
Monthly net income: $ 5400
Monthly expenses: $?? 4025
??Housing: $? 1485
??Insurance: $?? 200???
??Car expenses: $ 800
??Utilities: $ 250
??Phone, cable, internet: $?? 320
??Food, entertainment: $?? 670
??Clothing, household expenses $? 100
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| careful-note | $100.00 | $100.00 | 12/3/2010 2:16:07 PM |
| top-courteous-peso | $100.00 | $100.00 | 12/3/2010 2:16:41 PM |
| enthralling-deal180 | $50.00 | $50.00 | 12/3/2010 2:17:25 PM |
| Thylow | $25.00 | $25.00 | 12/3/2010 2:19:16 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 12/3/2010 2:19:26 PM |
| bid-czar8 | $100.00 | $100.00 | 12/3/2010 2:20:38 PM |
| trade-boots1 | $100.00 | $100.00 | 12/3/2010 2:21:01 PM |
| the-enterprising-leverage | $25.00 | $25.00 | 12/3/2010 2:21:28 PM |
| first-upright-payout | $25.00 | $25.00 | 12/3/2010 2:23:58 PM |
| worthy-bid8 | $100.00 | $100.00 | 12/3/2010 2:25:28 PM |
| FoosMaster | $100.00 | $100.00 | 12/3/2010 2:27:21 PM |
| competent-p2p | $50.00 | $50.00 | 12/3/2010 2:29:21 PM |
| rss197 | $25.00 | $25.00 | 12/3/2010 2:16:56 PM |
| ptjg | $25.00 | $25.00 | 12/3/2010 2:41:24 PM |
| ASR3 | $35.00 | $35.00 | 12/3/2010 2:18:55 PM |
| AFairDeal | $50.00 | $50.00 | 12/3/2010 2:19:08 PM |
| radforj22 | $25.00 | $25.00 | 12/3/2010 2:20:20 PM |
| the-bright-velocity | $25.00 | $25.00 | 12/3/2010 2:22:09 PM |
| natural-affluence4 | $25.00 | $25.00 | 12/3/2010 2:23:01 PM |
| Artist_Blue | $25.00 | $25.00 | 12/3/2010 2:25:10 PM |
| tnjohnso | $25.00 | $25.00 | 12/3/2010 2:41:19 PM |
| dunox | $50.00 | $50.00 | 12/3/2010 2:17:48 PM |
| platinum-celebration4 | $25.00 | $25.00 | 12/3/2010 2:18:40 PM |
| the-dollar-topper | $100.00 | $100.00 | 12/3/2010 2:30:33 PM |
| rate-mogul | $50.00 | $50.00 | 12/3/2010 2:41:16 PM |
| leverage-oasis | $25.00 | $25.00 | 12/3/2010 6:16:39 PM |
| money-bauble | $25.00 | $25.00 | 12/3/2010 2:42:17 PM |
| tlawed | $25.00 | $25.00 | 12/4/2010 12:02:59 AM |
| lloyd_s | $25.00 | $25.00 | 12/4/2010 2:17:59 AM |
| GElender | $25.00 | $25.00 | 12/4/2010 3:09:03 AM |
| integrity-cowbell | $25.00 | $25.00 | 12/3/2010 6:49:31 PM |
| direct-liberty819 | $50.00 | $50.00 | 12/4/2010 9:24:55 AM |
| zone6 | $50.00 | $50.00 | 12/4/2010 2:41:51 AM |
| listing-trapper3 | $75.00 | $75.00 | 12/4/2010 1:52:53 PM |
| native68 | $50.00 | $50.00 | 12/4/2010 2:22:10 PM |
| gold-heaven9 | $50.00 | $50.00 | 12/4/2010 6:13:10 PM |
| Math_Physics | $50.00 | $50.00 | 12/5/2010 10:23:27 AM |
| JustMee | $25.00 | $25.00 | 12/4/2010 1:58:48 PM |
| dollardave | $100.00 | $100.00 | 12/4/2010 3:18:45 PM |
| wonderful-dime | $25.00 | $25.00 | 12/4/2010 4:24:08 PM |
| meenan | $50.00 | $50.00 | 12/4/2010 11:27:25 PM |
| tjone69 | $25.00 | $25.00 | 12/6/2010 7:23:05 AM |
| bold-durability-drum | $50.00 | $50.00 | 12/6/2010 7:26:57 AM |
| Anny-Disco | $50.00 | $50.00 | 12/6/2010 7:27:04 AM |
| brother_tam | $33.35 | $33.35 | 12/6/2010 7:39:01 AM |
| Tikibarman | $100.00 | $100.00 | 12/6/2010 7:43:57 AM |
| fulfilling-investment4 | $25.00 | $25.00 | 12/6/2010 7:22:52 AM |
| agwosdof | $33.29 | $33.29 | 12/6/2010 7:25:13 AM |
| astute-investment5 | $25.00 | $25.00 | 12/6/2010 12:33:44 PM |
| community-pipeline8 | $25.00 | $25.00 | 12/6/2010 1:37:34 PM |
| nilonc1 | $150.00 | $150.00 | 12/6/2010 10:17:19 AM |
| commanding-income774 | $25.00 | $25.00 | 12/6/2010 1:58:27 AM |
| exuberant-loot | $25.00 | $25.00 | 12/6/2010 2:33:59 PM |
| cablenews | $50.00 | $50.00 | 12/6/2010 7:26:20 AM |
| spy0 | $25.00 | $25.00 | 12/6/2010 7:39:30 AM |
| banker65010 | $25.00 | $25.00 | 12/6/2010 2:01:05 PM |
| rlgnyc | $25.00 | $25.00 | 12/6/2010 10:41:55 AM |
| persistent-bazaar | $28.23 | $28.23 | 12/6/2010 11:00:42 AM |
| inismor | $50.00 | $50.00 | 12/6/2010 12:01:29 PM |
| NJournalist | $25.00 | $25.00 | 12/6/2010 12:29:12 PM |
| promise2 | $50.00 | $50.00 | 12/6/2010 12:32:58 PM |
| IIP77 | $25.00 | $25.00 | 12/6/2010 1:36:29 PM |
| Thylow | $25.00 | $25.00 | 12/6/2010 3:04:30 PM |
| 108lender | $104.28 | $104.28 | 12/6/2010 4:59:17 PM |
| voyage554 | $25.00 | $25.00 | 12/6/2010 4:27:19 PM |
| impressive-fund0 | $68.53 | $68.53 | 12/6/2010 9:01:36 PM |
| Mariner3605 | $100.00 | $45.27 | 12/7/2010 5:23:34 AM |
| d_grbg | $25.00 | $25.00 | 12/7/2010 5:38:12 AM |
| objective-investor | $33.07 | $33.07 | 12/6/2010 10:03:14 PM |
| cognizant-rate732 | $25.00 | $25.00 | 12/6/2010 10:50:09 PM |
| bettylor | $50.00 | $50.00 | 12/6/2010 11:48:35 PM |
| greenback-bull6 | $50.00 | $50.00 | 12/6/2010 8:21:50 PM |
| hurricanefever | $50.00 | $50.00 | 12/6/2010 10:03:44 PM |
| tech310 | $50.00 | $50.00 | 12/3/2010 2:16:34 PM |
| Thylow | $25.00 | $25.00 | 12/3/2010 2:18:07 PM |
| Webpreneur | $50.00 | $50.00 | 12/3/2010 2:20:02 PM |
| kind-adventurous-finance | $50.00 | $50.00 | 12/3/2010 2:22:46 PM |
| kulender | $50.00 | $50.00 | 12/3/2010 2:23:43 PM |
| SimpleChoice | $25.00 | $25.00 | 12/3/2010 2:26:29 PM |
| balanced-bill7 | $50.00 | $50.00 | 12/3/2010 2:29:02 PM |
| jazzlender | $25.00 | $25.00 | 12/3/2010 2:15:54 PM |
| kc8fot | $50.00 | $50.00 | 12/3/2010 2:31:26 PM |
| indomitable-coin | $50.00 | $50.00 | 12/3/2010 2:17:12 PM |
| impressive-loan | $500.00 | $500.00 | 12/3/2010 2:40:20 PM |
| B-rad_the_Coug | $25.00 | $25.00 | 12/3/2010 2:40:46 PM |
| Headhunter14 | $25.00 | $25.00 | 12/3/2010 2:21:43 PM |
| jamiee73 | $25.00 | $25.00 | 12/3/2010 3:50:42 PM |
| alexstar | $25.00 | $25.00 | 12/3/2010 2:29:37 PM |
| reflective-rupee | $200.00 | $200.00 | 12/3/2010 2:49:05 PM |
| velocity-solo | $25.00 | $25.00 | 12/3/2010 4:34:23 PM |
| dedicated-hope640 | $25.00 | $25.00 | 12/3/2010 4:37:46 PM |
| Ripsaw4U | $50.00 | $50.00 | 12/3/2010 2:14:45 PM |
| puyanera | $25.00 | $25.00 | 12/3/2010 2:17:24 PM |
| commerce-yeller | $50.00 | $50.00 | 12/3/2010 2:21:49 PM |
| ichibon | $75.00 | $75.00 | 12/3/2010 2:24:11 PM |
| handshake5 | $100.00 | $100.00 | 12/3/2010 2:26:08 PM |
| greenback-guard | $25.00 | $25.00 | 12/3/2010 2:29:27 PM |
| integrity-doctor | $100.00 | $100.00 | 12/3/2010 2:42:28 PM |
| Bank_Of_XL | $100.00 | $100.00 | 12/3/2010 7:03:41 PM |
| unforgettable-order9 | $50.00 | $50.00 | 12/4/2010 7:53:18 AM |
| Karey | $25.00 | $25.00 | 12/4/2010 2:04:40 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/4/2010 2:44:33 AM |
| secureincome | $50.00 | $50.00 | 12/3/2010 5:42:36 PM |
| Sol_Invictus | $25.00 | $25.00 | 12/4/2010 4:20:41 AM |
| wayman | $31.00 | $31.00 | 12/4/2010 6:22:38 AM |
| gala279 | $50.00 | $50.00 | 12/4/2010 6:48:13 AM |
| dg5803 | $50.00 | $50.00 | 12/4/2010 5:57:48 PM |
| UT-Longhorn | $25.00 | $25.00 | 12/4/2010 11:40:38 AM |
| wanna-help | $50.00 | $50.00 | 12/5/2010 10:27:50 AM |
| Importexport | $400.00 | $400.00 | 12/5/2010 8:31:17 AM |
| credit-investor5 | $25.00 | $25.00 | 12/4/2010 3:04:25 PM |
| DirtyJack | $50.00 | $50.00 | 12/5/2010 5:48:20 PM |
| noodles932 | $25.00 | $25.00 | 12/4/2010 6:16:12 PM |
| lovely-order7 | $50.00 | $50.00 | 12/6/2010 5:26:46 AM |
| SelectTrustLending | $25.00 | $25.00 | 12/5/2010 3:39:29 PM |
| haidoken | $50.00 | $50.00 | 12/5/2010 1:59:37 AM |
| dloan | $25.00 | $25.00 | 12/6/2010 7:22:43 AM |
| LibbyZ | $50.00 | $50.00 | 12/6/2010 7:24:10 AM |
| SiebirdLending | $25.00 | $25.00 | 12/5/2010 7:08:38 PM |
| secureincome | $1,500.00 | $1,500.00 | 12/5/2010 7:34:11 PM |
| mercuriant | $25.00 | $25.00 | 12/5/2010 8:32:00 AM |
| bambampk | $25.00 | $25.00 | 12/5/2010 7:53:45 PM |
| xrycac | $25.00 | $25.00 | 12/5/2010 10:40:19 AM |
| richboy56 | $25.00 | $25.00 | 12/5/2010 10:53:34 AM |
| precious-gold3 | $50.00 | $50.00 | 12/6/2010 9:40:16 AM |
| nickel-position | $25.00 | $25.00 | 12/6/2010 4:59:38 AM |
| be_wise | $25.00 | $25.00 | 12/5/2010 2:23:38 PM |
| rzlender | $25.00 | $25.00 | 12/6/2010 7:23:03 AM |
| granitepk | $50.00 | $50.00 | 12/6/2010 7:26:49 AM |
| tszbgae | $50.00 | $50.00 | 12/5/2010 3:38:01 PM |
| nickel-ferret | $50.00 | $50.00 | 12/6/2010 12:32:48 PM |
| jescowa | $50.00 | $50.00 | 12/6/2010 8:06:35 AM |
| rockstar78 | $50.00 | $50.00 | 12/5/2010 5:38:07 PM |
| seahorse2008 | $25.00 | $25.00 | 12/6/2010 9:15:08 AM |
| williemc44 | $50.00 | $50.00 | 12/5/2010 7:29:01 PM |
| Bcs-cnc | $25.00 | $25.00 | 12/6/2010 10:41:03 AM |
| all_of_that_one | $25.00 | $25.00 | 12/6/2010 12:10:06 PM |
| nimble-revenue | $50.00 | $50.00 | 12/6/2010 7:23:07 AM |
| Prosp_Lender | $50.00 | $50.00 | 12/6/2010 7:26:56 AM |
| CirC | $47.98 | $47.98 | 12/6/2010 3:36:22 PM |
| Dunndeal4u | $50.00 | $50.00 | 12/6/2010 7:38:36 AM |
| PRGuyinVA | $50.00 | $50.00 | 12/6/2010 1:37:30 PM |
| houli123 | $5,000.00 | $5,000.00 | 12/6/2010 1:41:23 PM |
| skuba | $25.00 | $25.00 | 12/6/2010 4:07:49 PM |
| matt_2006 | $25.00 | $25.00 | 12/6/2010 6:50:54 PM |
| successful-agreement7 | $100.00 | $100.00 | 12/6/2010 5:25:43 PM |
| nelie150 | $25.00 | $25.00 | 12/6/2010 5:46:14 PM |
| globalasset | $1,000.00 | $1,000.00 | 12/7/2010 5:06:49 AM |
| alaco | $25.00 | $25.00 | 12/7/2010 5:21:38 AM |
| car99r | $65.00 | $65.00 | 12/7/2010 5:32:23 AM |
| buffalobills | $25.00 | $25.00 | 12/6/2010 9:03:39 PM |
| AK49-JW | $25.00 | $25.00 | 12/7/2010 12:26:51 AM |
| valiant-liberty4 | $25.00 | $25.00 | 12/6/2010 8:32:12 PM |
| felicity-daydream | $25.00 | $25.00 | 12/7/2010 12:09:17 AM |
| pcfool | $50.00 | $50.00 | 12/7/2010 6:35:41 AM |
| 155 bids
|
Borrower Payment Dependent Notes Series
486688
This series of Notes was issued and sold upon the funding of the borrower loan #45927, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Dec-03-2010 |
| |
Auction end date:
| Dec-06-2010 |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $190.39 |
|
Final lender yield:
| 13.90% |
Final borrower rate/APR:
| 14.90% / 17.07% |
Final monthly payment:
| $190.39 |
| |
|
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:
| Oct-1998 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,044 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| generous-basis8 |
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
Would Like To Pay Off Credit Card
Purpose of loan:
This loan will be used to pay off my credit card. My interest is high and with the help of this loan I will be paying a dramatically lower payment, as well as pay off the card faster. If it wasn't for a family emergency I wouldn't have even used it.
My financial situation:
I am a good candidate for this loan because I always put my bills first before I purchase anything. I am always early or on time with my mortgage and my other expenses. I am a 11 year military vet that works for the civil service which is one of the most stable professions out there.
Monthly net income: $
60,589
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| careful-note | $100.00 | $100.00 | 12/3/2010 2:16:09 PM |
| tech310 | $50.00 | $50.00 | 12/3/2010 2:16:36 PM |
| rss197 | $25.00 | $25.00 | 12/3/2010 2:16:58 PM |
| ray1051 | $50.00 | $50.00 | 12/3/2010 2:18:31 PM |
| bid-czar8 | $100.00 | $100.00 | 12/3/2010 2:20:40 PM |
| the-enterprising-leverage | $25.00 | $25.00 | 12/3/2010 2:21:29 PM |
| ichibon | $175.00 | $175.00 | 12/3/2010 2:24:05 PM |
| Artist_Blue | $25.00 | $25.00 | 12/3/2010 2:25:04 PM |
| handshake5 | $100.00 | $100.00 | 12/3/2010 2:26:12 PM |
| Ripsaw4U | $50.00 | $50.00 | 12/3/2010 2:41:49 PM |
| AFairDeal | $50.00 | $50.00 | 12/3/2010 2:19:11 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 12/3/2010 2:19:28 PM |
| natural-affluence4 | $25.00 | $25.00 | 12/3/2010 2:23:04 PM |
| jdrez | $25.00 | $25.00 | 12/3/2010 5:15:32 PM |
| dunox | $25.00 | $25.00 | 12/3/2010 2:17:08 PM |
| finance_mba | $25.00 | $25.00 | 12/3/2010 2:18:28 PM |
| Strato | $25.02 | $25.02 | 12/3/2010 5:19:40 PM |
| Pulchritudinous | $25.00 | $25.00 | 12/3/2010 2:19:41 PM |
| radforj22 | $25.00 | $25.00 | 12/3/2010 2:20:22 PM |
| zone6 | $50.00 | $50.00 | 12/3/2010 4:29:45 PM |
| granitepk | $50.00 | $50.00 | 12/3/2010 5:25:44 PM |
| alexstar | $25.00 | $25.00 | 12/3/2010 2:29:40 PM |
| the-dollar-topper | $100.00 | $100.00 | 12/3/2010 2:30:35 PM |
| BrLender | $32.80 | $32.80 | 12/3/2010 2:41:47 PM |
| RandyL3 | $25.00 | $25.00 | 12/3/2010 2:45:54 PM |
| reflective-rupee | $200.00 | $200.00 | 12/3/2010 2:47:21 PM |
| lendme2 | $54.98 | $54.98 | 12/3/2010 5:20:15 PM |
| Bank_Of_XL | $50.00 | $50.00 | 12/3/2010 6:58:41 PM |
| happy-asset | $25.00 | $25.00 | 12/3/2010 5:21:29 PM |
| newest-funds-powerplant | $25.00 | $25.00 | 12/3/2010 7:50:53 PM |
| competent-p2p | $50.00 | $50.00 | 12/3/2010 5:25:33 PM |
| PersonalBnkr | $25.73 | $25.73 | 12/3/2010 5:26:16 PM |
| ms48105 | $25.00 | $25.00 | 12/4/2010 1:52:22 AM |
| asset-professor | $50.00 | $50.00 | 12/4/2010 3:07:03 AM |
| Sol_Invictus | $25.00 | $25.00 | 12/4/2010 4:21:04 AM |
| kchen486 | $41.99 | $12.84 | 12/4/2010 5:40:58 AM |
| PocketAces | $25.00 | $25.00 | 12/3/2010 5:19:37 PM |
| Preteur | $25.00 | $25.00 | 12/3/2010 5:20:27 PM |
| Dunndeal4u | $50.00 | $50.00 | 12/3/2010 5:23:06 PM |
| miket71 | $25.45 | $25.45 | 12/4/2010 2:16:49 AM |
| cablenews | $41.28 | $41.28 | 12/3/2010 5:40:18 PM |
| Travis247 | $25.00 | $25.00 | 12/3/2010 11:52:18 PM |
| chameleon125 | $25.00 | $25.00 | 12/4/2010 11:22:35 AM |
| penny-plato | $25.00 | $25.00 | 12/4/2010 12:16:55 PM |
| titan2 | $25.00 | $25.00 | 12/4/2010 6:59:15 AM |
| smart-gold | $25.00 | $25.00 | 12/5/2010 2:03:31 AM |
| novice-speculator | $25.00 | $25.00 | 12/6/2010 2:24:55 AM |
| secureincome | $600.00 | $600.00 | 12/5/2010 7:36:42 PM |
| spiff666 | $25.00 | $25.00 | 12/5/2010 6:16:41 PM |
| commanding-income774 | $25.00 | $25.00 | 12/6/2010 2:02:45 AM |
| platinum-celebration4 | $25.00 | $25.00 | 12/3/2010 2:18:44 PM |
| Webpreneur | $50.00 | $50.00 | 12/3/2010 2:20:08 PM |
| the-bright-velocity | $25.00 | $25.00 | 12/3/2010 2:22:04 PM |
| SimpleChoice | $25.00 | $25.00 | 12/3/2010 2:26:27 PM |
| jazzlender | $25.00 | $25.00 | 12/3/2010 2:15:58 PM |
| enthralling-deal180 | $50.00 | $50.00 | 12/3/2010 2:17:19 PM |
| simplelender80 | $250.00 | $250.00 | 12/3/2010 2:17:31 PM |
| Headhunter14 | $25.00 | $25.00 | 12/3/2010 2:21:46 PM |
| money-bauble | $25.00 | $25.00 | 12/3/2010 3:30:13 PM |
| worthy-bid8 | $100.00 | $100.00 | 12/3/2010 2:25:34 PM |
| balanced-bill7 | $50.00 | $50.00 | 12/3/2010 2:28:55 PM |
| RedCentre | $500.00 | $500.00 | 12/3/2010 2:40:36 PM |
| gopbernie | $25.00 | $25.00 | 12/3/2010 3:36:14 PM |
| hopeful-truth5 | $100.00 | $100.00 | 12/3/2010 2:17:59 PM |
| ASR3 | $35.00 | $35.00 | 12/3/2010 2:18:59 PM |
| trade-boots1 | $100.00 | $100.00 | 12/3/2010 2:21:04 PM |
| cello1 | $25.00 | $25.00 | 12/3/2010 5:22:29 PM |
| lloyd_s | $25.00 | $25.00 | 12/3/2010 5:24:08 PM |
| kind-adventurous-finance | $50.00 | $50.00 | 12/3/2010 2:22:49 PM |
| kulender | $50.00 | $50.00 | 12/3/2010 2:23:46 PM |
| organized-payment6 | $50.00 | $50.00 | 12/3/2010 2:27:15 PM |
| Anny-Disco | $38.56 | $38.56 | 12/3/2010 5:42:37 PM |
| indomitable-coin | $50.00 | $50.00 | 12/3/2010 2:45:26 PM |
| first-upright-payout | $25.00 | $25.00 | 12/3/2010 5:25:24 PM |
| agwosdof | $100.00 | $100.00 | 12/3/2010 5:26:08 PM |
| melodious-fairness | $38.79 | $38.79 | 12/3/2010 5:29:48 PM |
| mjunlimited | $50.00 | $50.00 | 12/3/2010 5:29:52 PM |
| velocity-solo | $25.00 | $25.00 | 12/3/2010 5:30:11 PM |
| mla | $25.00 | $25.00 | 12/4/2010 1:04:09 AM |
| awwaww | $25.00 | $25.00 | 12/4/2010 1:30:03 AM |
| gethsemane4 | $25.00 | $25.00 | 12/3/2010 5:40:30 PM |
| lounges | $29.87 | $29.87 | 12/4/2010 2:31:16 AM |
| sign_here | $25.00 | $25.00 | 12/3/2010 6:56:39 PM |
| cloud8 | $31.63 | $31.63 | 12/4/2010 2:43:00 AM |
| worldly-community3 | $28.00 | $28.00 | 12/3/2010 4:59:48 PM |
| GeorgiaGator | $42.00 | $42.00 | 12/4/2010 4:34:19 AM |
| JustMee | $25.00 | $25.00 | 12/3/2010 10:47:14 PM |
| platinum-hunter7 | $75.00 | $75.00 | 12/4/2010 6:59:19 AM |
| dmfog | $25.00 | $25.00 | 12/3/2010 5:23:36 PM |
| organic-commerce2 | $25.00 | $25.00 | 12/4/2010 8:18:00 AM |
| Bullish | $25.00 | $25.00 | 12/3/2010 5:26:04 PM |
| community-pipeline8 | $25.00 | $25.00 | 12/3/2010 5:27:48 PM |
| supersarah61 | $25.00 | $25.00 | 12/4/2010 2:42:46 AM |
| nickel-ferret | $50.00 | $50.00 | 12/3/2010 5:39:49 PM |
| dospapalotes | $37.05 | $37.05 | 12/3/2010 5:40:32 PM |
| secureincome | $26.00 | $26.00 | 12/3/2010 9:50:54 PM |
| tremendous-payment | $25.00 | $25.00 | 12/4/2010 2:42:54 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/4/2010 2:44:42 AM |
| chestnut4 | $25.00 | $25.00 | 12/4/2010 3:08:03 AM |
| penny-chooser | $25.00 | $25.00 | 12/5/2010 10:13:08 AM |
| circustab | $50.00 | $50.00 | 12/4/2010 5:27:38 PM |
| vutah | $25.00 | $25.00 | 12/5/2010 1:21:07 PM |
| outofoffice | $75.00 | $75.00 | 12/6/2010 7:40:24 AM |
| 103 bids
|
Borrower Payment Dependent Notes Series
478977
This series of Notes was issued and sold upon the funding of the borrower loan #45925, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.50% |
Auction start date:
| Dec-03-2010 |
| |
Auction end date:
| Dec-10-2010 |
|
|
Starting lender yield:
| 11.25% |
Starting borrower rate/APR:
| 12.25% / 14.38% |
Starting monthly payment:
| $250.00 |
|
Final lender yield:
| 9.95% |
Final borrower rate/APR:
| 10.95% / 13.07% |
Final monthly payment:
| $245.36 |
| |
|
Auction yield range:
| 3.57% - 11.25% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.42% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| May-1988 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $789 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| mkrieger |
Borrower's state:
| Texas |
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.
Description
Buying a more economical family car
Purpose of loan:
This loan will be used to purchase a?modest used family sedan to replace?our well?worn 1997 Oldsmobile.
My financial situation:
I've got a minimal amount of debt and I've also got a mortgage even though it doesn't show up on a conventional credit report. I've been at my current job for several years and the future looks very stable.
My income is enough to provide for the family's needs?through careful management of spending and expenses.?As you can tell, I work hard to maintain a low debt-to-income ratio and I keep credit card utilization as low as I can.?New cars are out of the question for this family but a quality used car is perfect for our needs and our income.
I'd prefer to borrow through Prosper and hunt for a good used car from a private party than deal with typical used car dealers where the prices tend to be inflated.
I have $2,500 saved and I'd like a Prosper loan for $7,500 more. I find that used vehicles in the $8,000 to $10,000 range from a private party can be an excellent value. Obviously I can find $2,500 vehicles but they cost more to maintain and don't last as long. In this regard they?represent less value for my money than something in a higher price range where there are fewer buyers competing for better vehicles.
A three year loan with a monthly payment below $250 is very comfortable for my financial situation and the vehicles available in the price range I seek will clearly perform well beyond the length of the loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
You going to be looking for a car our a small truck what make would you bee looking for in your next ride? - USFoundation
A:
The condition and specifics of a particular used vehicle is the most important. In this regard I wouldn't rule out any particular brand. I do, however, have more experience maintaining General Motors vehicles so I have a bias toward those. I prefer buying a V6 because they typically last longer and I need a vehicle that can haul a family of five around. For example, a Buick Century fits my criteria very well but there's lots of other good choices too
(Dec-04-2010)
Q:
Can you explain the public records and delinquencies? Thank you. - StrongMonty
A:
Almost five years ago our youngest was born and my Wife became ill at the same time. For the next couple of years our out-of-pocket medical expenses exceeded 20% of our gross income and we fell behind on credit card payments. More than three years ago we quit using credit cards and began living solidly within our income and kept current on medical expenses but we never recovered from the delinquent credit cards. Just over Two years ago we filed for Chapter 13 the credit cards were discharged.
(Dec-05-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| be_wise | $25.00 | $25.00 | 12/3/2010 2:11:18 PM |
| careful-note | $100.00 | $100.00 | 12/3/2010 2:16:01 PM |
| simplelender80 | $250.00 | $250.00 | 12/3/2010 2:17:38 PM |
| hopeful-truth5 | $100.00 | $100.00 | 12/3/2010 2:17:53 PM |
| platinum-celebration4 | $25.00 | $25.00 | 12/3/2010 2:18:36 PM |
| bid-czar8 | $100.00 | $100.00 | 12/3/2010 2:20:33 PM |
| GElender | $75.00 | $75.00 | 12/3/2010 2:21:56 PM |
| velocity-solo | $25.00 | $25.00 | 12/3/2010 2:26:41 PM |
| bxdoc | $75.00 | $75.00 | 12/3/2010 2:28:06 PM |
| jazzlender | $25.00 | $25.00 | 12/3/2010 2:15:47 PM |
| rss197 | $25.00 | $25.00 | 12/3/2010 2:16:51 PM |
| indomitable-coin | $50.00 | $50.00 | 12/3/2010 2:17:09 PM |
| ray1051 | $75.00 | $75.00 | 12/3/2010 2:17:26 PM |
| AFairDeal | $50.00 | $50.00 | 12/3/2010 2:19:02 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 12/3/2010 2:19:20 PM |
| radforj22 | $25.00 | $25.00 | 12/3/2010 2:20:11 PM |
| the-bright-velocity | $25.00 | $25.00 | 12/3/2010 2:22:18 PM |
| kind-adventurous-finance | $50.00 | $50.00 | 12/3/2010 2:22:36 PM |
| interest-exec9 | $25.00 | $25.00 | 12/3/2010 2:44:41 PM |
| enthralling-deal180 | $50.00 | $50.00 | 12/3/2010 2:11:06 PM |
| money-bauble | $100.00 | $100.00 | 12/3/2010 2:16:24 PM |
| astute-investment5 | $25.00 | $25.00 | 12/3/2010 5:21:25 PM |
| Headhunter14 | $25.00 | $25.00 | 12/3/2010 2:21:34 PM |
| dunkard13 | $50.00 | $50.00 | 12/3/2010 2:40:16 PM |
| reflective-rupee | $25.00 | $25.00 | 12/3/2010 2:46:49 PM |
| brother_tam | $50.00 | $50.00 | 12/4/2010 1:52:54 AM |
| community-seahorse0 | $25.00 | $25.00 | 12/4/2010 2:19:35 PM |
| balanced-bill7 | $50.00 | $50.00 | 12/4/2010 2:43:57 AM |
| skuba | $25.00 | $25.00 | 12/4/2010 2:22:16 PM |
| bayareainv | $25.41 | $25.41 | 12/4/2010 7:22:39 PM |
| SelectTrustLending | $25.00 | $25.00 | 12/5/2010 3:39:23 PM |
| bambampk | $25.00 | $25.00 | 12/5/2010 7:53:38 PM |
| jimbo29blue | $50.00 | $50.00 | 12/5/2010 3:07:53 PM |
| Jtomtom | $30.00 | $30.00 | 12/4/2010 11:38:53 PM |
| haidoken | $50.00 | $50.00 | 12/5/2010 1:59:32 AM |
| precious-gold3 | $50.00 | $48.63 | 12/6/2010 9:40:04 AM |
| newest-bountiful-basis | $25.00 | $25.00 | 12/5/2010 2:47:43 PM |
| jimbo29blue | $50.00 | $50.00 | 12/5/2010 3:06:59 PM |
| rockstar78 | $50.00 | $50.00 | 12/5/2010 5:38:02 PM |
| availableloan | $25.00 | $25.00 | 12/6/2010 1:20:11 PM |
| sadani | $25.00 | $25.00 | 12/7/2010 3:30:20 PM |
| enthusiastic-point | $100.00 | $100.00 | 12/8/2010 4:23:30 AM |
| flshdaskll | $25.00 | $25.00 | 12/8/2010 5:03:42 PM |
| BankofRa | $25.00 | $25.00 | 12/8/2010 6:45:05 PM |
| lucrative-coin | $100.00 | $100.00 | 12/9/2010 7:27:13 AM |
| ddamenace | $40.00 | $40.00 | 12/9/2010 10:09:00 AM |
| bradfid | $25.00 | $25.00 | 12/9/2010 10:25:05 AM |
| Westsider | $25.00 | $25.00 | 12/8/2010 8:53:31 PM |
| SteadyOne | $25.00 | $25.00 | 12/9/2010 3:36:49 PM |
| help4u | $150.00 | $150.00 | 12/9/2010 9:52:58 AM |
| lukeskywalkerkp | $25.00 | $25.00 | 12/9/2010 6:00:19 PM |
| UBOtto186 | $50.00 | $50.00 | 12/10/2010 1:31:27 AM |
| Hartfelt | $25.00 | $25.00 | 12/10/2010 8:56:47 AM |
| Zenith35 | $25.00 | $25.00 | 12/10/2010 12:47:14 PM |
| gold-awakening7 | $30.00 | $30.00 | 12/10/2010 1:15:14 PM |
| ptclender | $40.00 | $40.00 | 12/10/2010 1:47:06 PM |
| MikeylikesitNOW | $303.23 | $303.23 | 12/10/2010 1:49:59 PM |
| REITRUST | $25.00 | $25.00 | 12/10/2010 9:12:38 AM |
| noble-marketplace | $25.00 | $25.00 | 12/10/2010 2:06:51 PM |
| mammalian4 | $50.00 | $50.00 | 12/10/2010 11:30:11 AM |
| Castelj | $50.00 | $50.00 | 12/10/2010 5:30:02 AM |
| KINGDOMVENDING | $25.00 | $25.00 | 12/10/2010 7:39:54 AM |
| iidowntoearthii | $28.00 | $28.00 | 12/10/2010 9:52:28 AM |
| Earn_money | $25.00 | $25.00 | 12/10/2010 9:58:08 AM |
| beeper2 | $65.00 | $65.00 | 12/10/2010 10:43:54 AM |
| Johnab | $26.00 | $26.00 | 12/10/2010 12:24:53 PM |
| Ripsaw4U | $50.00 | $50.00 | 12/3/2010 2:14:39 PM |
| dunox | $50.00 | $50.00 | 12/3/2010 2:17:43 PM |
| ASR3 | $35.00 | $35.00 | 12/3/2010 2:18:51 PM |
| Webpreneur | $50.00 | $50.00 | 12/3/2010 2:19:48 PM |
| trade-boots1 | $100.00 | $100.00 | 12/3/2010 2:20:52 PM |
| natural-affluence4 | $25.00 | $25.00 | 12/3/2010 2:22:53 PM |
| kulender | $50.00 | $50.00 | 12/3/2010 2:23:26 PM |
| wayman | $50.00 | $50.00 | 12/3/2010 2:21:07 PM |
| the-enterprising-leverage | $25.00 | $25.00 | 12/3/2010 2:21:23 PM |
| native68 | $50.00 | $50.00 | 12/3/2010 2:23:16 PM |
| worthy-bid8 | $100.00 | $100.00 | 12/3/2010 2:23:31 PM |
| handshake5 | $100.00 | $100.00 | 12/3/2010 2:24:19 PM |
| organized-payment6 | $50.00 | $50.00 | 12/3/2010 2:27:16 PM |
| greenback-guard | $25.00 | $25.00 | 12/3/2010 2:29:24 PM |
| alexstar | $25.00 | $25.00 | 12/3/2010 2:29:30 PM |
| tszbgae | $50.00 | $50.00 | 12/3/2010 4:48:49 PM |
| tech310 | $50.00 | $50.00 | 12/3/2010 2:16:27 PM |
| Pulchritudinous | $25.00 | $25.00 | 12/3/2010 2:18:02 PM |
| finance_mba | $25.00 | $25.00 | 12/3/2010 2:18:23 PM |
| first-upright-payout | $25.00 | $25.00 | 12/3/2010 2:23:52 PM |
| Artist_Blue | $25.00 | $25.00 | 12/3/2010 2:25:20 PM |
| SimpleChoice | $25.00 | $25.00 | 12/3/2010 2:26:36 PM |
| ichibon | $150.00 | $150.00 | 12/3/2010 2:26:55 PM |
| competent-p2p | $50.00 | $50.00 | 12/3/2010 2:29:17 PM |
| the-dollar-topper | $100.00 | $100.00 | 12/3/2010 2:30:27 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/3/2010 2:31:53 PM |
| bettylor | $50.00 | $50.00 | 12/3/2010 5:23:19 PM |
| melodious-fairness | $50.00 | $50.00 | 12/3/2010 3:29:44 PM |
| oaktown11 | $60.00 | $60.00 | 12/3/2010 6:16:52 PM |
| riproaringrapids | $25.00 | $25.00 | 12/4/2010 3:23:11 AM |
| newest-funds-powerplant | $25.00 | $25.00 | 12/3/2010 8:13:27 PM |
| nickel-ferret | $50.00 | $50.00 | 12/3/2010 5:22:52 PM |
| gala279 | $50.00 | $50.00 | 12/4/2010 6:48:09 AM |
| IIP77 | $25.00 | $25.00 | 12/4/2010 2:38:21 PM |
| BaxterEvil | $25.00 | $25.00 | 12/4/2010 10:35:07 AM |
| wonderful-dime | $25.00 | $25.00 | 12/4/2010 4:24:04 PM |
| jamiee73 | $25.00 | $25.00 | 12/4/2010 5:22:48 PM |
| listing-trapper3 | $75.00 | $75.00 | 12/4/2010 1:52:48 PM |
| bondhedger | $25.00 | $25.00 | 12/4/2010 9:29:51 PM |
| meenan | $50.00 | $50.00 | 12/4/2010 11:27:19 PM |
| Kame | $25.00 | $25.00 | 12/5/2010 4:07:49 AM |
| UT-Longhorn | $25.00 | $25.00 | 12/4/2010 11:40:33 AM |
| wanna-help | $50.00 | $50.00 | 12/5/2010 10:27:58 AM |
| richboy56 | $25.00 | $25.00 | 12/5/2010 10:53:25 AM |
| balanced-rupee | $50.00 | $50.00 | 12/4/2010 2:22:19 PM |
| 108lender | $139.91 | $139.91 | 12/5/2010 11:34:17 AM |
| dg5803 | $50.00 | $50.00 | 12/4/2010 5:57:43 PM |
| commerce-yeller | $42.90 | $42.90 | 12/5/2010 7:41:44 PM |
| alaco | $25.00 | $25.00 | 12/5/2010 2:53:27 PM |
| jimbo29blue | $50.00 | $50.00 | 12/5/2010 3:07:27 PM |
| interstellar | $50.00 | $50.00 | 12/4/2010 9:30:06 PM |
| mjunlimited | $50.00 | $50.00 | 12/5/2010 5:32:28 PM |
| adir1 | $25.00 | $25.00 | 12/5/2010 2:57:49 AM |
| ptjg | $25.00 | $25.00 | 12/6/2010 7:26:41 AM |
| SiebirdLending | $25.00 | $25.00 | 12/5/2010 7:08:25 PM |
| williemc44 | $50.00 | $50.00 | 12/5/2010 7:28:55 PM |
| Tikibarman | $100.00 | $100.00 | 12/6/2010 7:43:47 AM |
| Cash4U2also | $50.00 | $50.00 | 12/6/2010 1:24:59 AM |
| julijask | $35.00 | $35.00 | 12/5/2010 4:03:39 PM |
| grasscutter | $50.00 | $50.00 | 12/6/2010 9:48:46 AM |
| platinum-investor1 | $25.00 | $25.00 | 12/7/2010 8:14:28 AM |
| Nazbuster | $50.00 | $50.00 | 12/7/2010 12:36:33 PM |
| thankful-nickel2 | $25.00 | $25.00 | 12/7/2010 5:26:15 PM |
| CalCollegeFund19 | $26.51 | $26.51 | 12/8/2010 12:27:59 AM |
| euro-deployment | $25.00 | $25.00 | 12/8/2010 3:02:27 PM |
| credit-panda1 | $25.00 | $25.00 | 12/8/2010 7:28:12 AM |
| gilbrear | $25.00 | $25.00 | 12/8/2010 4:01:26 PM |
| StanTheMan | $39.63 | $39.63 | 12/8/2010 7:36:09 PM |
| yu-rik | $75.00 | $75.00 | 12/9/2010 8:04:41 AM |
| marshallmanhattan | $25.00 | $25.00 | 12/9/2010 8:13:46 AM |
| penny-broker | $25.00 | $25.00 | 12/9/2010 11:16:45 AM |
| grampy48 | $25.00 | $25.00 | 12/9/2010 2:19:44 PM |
| market-pudding | $25.00 | $25.00 | 12/8/2010 11:51:05 PM |
| thegreatstrafe | $25.00 | $25.00 | 12/9/2010 5:10:07 PM |
| myduck | $50.00 | $50.00 | 12/9/2010 5:45:44 PM |
| ethicalhumanist | $50.00 | $50.00 | 12/9/2010 12:06:08 PM |
| dime-vista2 | $25.00 | $25.00 | 12/9/2010 11:03:53 PM |
| social-comet7 | $25.00 | $25.00 | 12/10/2010 1:42:00 AM |
| SudianX | $26.92 | $26.92 | 12/9/2010 6:07:04 PM |
| cloud546 | $25.00 | $25.00 | 12/10/2010 8:46:57 AM |
| himanshuko | $25.00 | $25.00 | 12/10/2010 8:50:55 AM |
| bg26892 | $50.00 | $50.00 | 12/9/2010 10:00:51 PM |
| Quiz18 | $29.86 | $29.86 | 12/10/2010 9:17:16 AM |
| gristle_mcthornbody | $25.00 | $25.00 | 12/10/2010 10:03:34 AM |
| suicideducky | $25.00 | $25.00 | 12/10/2010 10:25:18 AM |
| p2p-rider7 | $25.00 | $25.00 | 12/9/2010 3:59:17 PM |
| BipedalHominid | $30.00 | $30.00 | 12/9/2010 4:14:05 PM |
| CreditBuilder2 | $200.00 | $200.00 | 12/10/2010 1:26:36 PM |
| adventurous-cash | $25.00 | $25.00 | 12/9/2010 6:12:04 PM |
| r1w | $25.00 | $25.00 | 12/10/2010 8:16:17 AM |
| richmondcowboy | $25.00 | $25.00 | 12/9/2010 8:25:48 PM |
| starry2001 | $25.00 | $25.00 | 12/10/2010 4:29:07 AM |
| yu-rik | $50.00 | $50.00 | 12/10/2010 1:33:31 PM |
| crw1950 | $33.00 | $33.00 | 12/10/2010 6:45:06 AM |
| ProjectVenture | $40.00 | $40.00 | 12/10/2010 2:01:01 PM |
| sgt-schultz | $25.00 | $25.00 | 12/10/2010 10:27:17 AM |
| entertaining-greenback2 | $25.00 | $25.00 | 12/10/2010 1:14:15 PM |
| 163 bids
|
Borrower Payment Dependent Notes Series
482109
This series of Notes was issued and sold upon the funding of the borrower loan #45906, 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:
| Dec-03-2010 |
| |
Auction end date:
| Dec-07-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 39.15% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 16.57% - 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:
| Nov-2000 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 640-659 (Dec-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,765 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| reality_unwoven |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Expenses for Apt lease buyout
Purpose of loan:
This loan will be used to break a lease in lieu of a cheaper apartment.
My financial situation:
I've recently moved, have obtained a higher paying job, and am looking to replace my current living situation for one that is cheaper
Monthly net income: $
2800
Monthly expenses: $
??Housing: $
890 ( for now )
??Insurance: $
PAID
??Car expenses: $
300
??Utilities: $
100
??Phone, cable, internet: $
40
??Food, entertainment: $
350
??Clothing, household expenses $
??Credit cards and other loans: $
150
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please explain the public record and delinquincies shown on your listing. Please answer publicly. Also, can you tell us what kind of work you do? Thanks. - tigercat
A:
The public record is a bankruptcy that has been discharged for almost 7 years, all of the delinquencies listed were included in that bankruptcy.
I am a technician for Xerox.
(Dec-07-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| money-bauble | $100.00 | $100.00 | 12/3/2010 2:16:16 PM |
| kulender | $50.00 | $50.00 | 12/3/2010 2:32:46 PM |
| worthy-bid8 | $25.00 | $25.00 | 12/3/2010 2:33:06 PM |
| Redmond | $25.00 | $25.00 | 12/3/2010 2:25:50 PM |
| visionary-currency | $25.00 | $25.00 | 12/3/2010 2:31:06 PM |
| Artist_Blue | $25.00 | $25.00 | 12/3/2010 2:24:56 PM |
| vine99 | $40.00 | $40.00 | 12/4/2010 9:26:45 AM |
| lendstats_com | $200.00 | $200.00 | 12/4/2010 9:30:33 AM |
| SolarMoonshine | $25.00 | $25.00 | 12/4/2010 2:45:00 PM |
| ASR3 | $25.00 | $25.00 | 12/4/2010 1:32:35 PM |
| reflective-rupee | $100.00 | $100.00 | 12/4/2010 9:30:39 PM |
| loanman2007 | $100.00 | $100.00 | 12/6/2010 6:08:25 AM |
| forthright-dedication | $25.00 | $25.00 | 12/6/2010 3:38:42 PM |
| banker65010 | $25.00 | $25.00 | 12/6/2010 2:48:38 PM |
| yeti888 | $25.00 | $25.00 | 12/6/2010 3:23:55 PM |
| peskier | $25.00 | $25.00 | 12/6/2010 7:03:02 PM |
| green-capital-hornet | $25.00 | $25.00 | 12/6/2010 7:06:25 PM |
| shmb6508 | $100.00 | $100.00 | 12/7/2010 10:52:38 AM |
| MilitaryLending | $25.00 | $25.00 | 12/7/2010 2:41:12 PM |
| graceful-investment | $100.00 | $100.00 | 12/3/2010 2:12:44 PM |
| halothane_logic | $70.29 | $70.29 | 12/4/2010 9:01:35 AM |
| jamiee73 | $25.00 | $25.00 | 12/4/2010 8:29:31 AM |
| economy-synapse | $25.00 | $25.00 | 12/5/2010 11:07:33 AM |
| nickel-position | $25.00 | $25.00 | 12/6/2010 11:49:47 AM |
| Gibbyland | $50.00 | $50.00 | 12/6/2010 3:27:43 PM |
| finance-prescription | $25.00 | $25.00 | 12/6/2010 7:22:55 PM |
| IIP77 | $25.00 | $25.00 | 12/7/2010 6:49:41 AM |
| independent-silver9 | $25.00 | $25.00 | 12/7/2010 4:15:29 AM |
| well-mannered-income3 | $25.00 | $25.00 | 12/7/2010 2:55:34 PM |
| reward-adventure | $50.00 | $39.71 | 12/7/2010 2:40:18 PM |
| truth-trapper | $25.00 | $25.00 | 12/7/2010 5:06:01 PM |
| tigercat | $50.00 | $50.00 | 12/7/2010 5:31:03 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
484855
This series of Notes was issued and sold upon the funding of the borrower loan #45922, 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-17-2010 |
| |
Auction end date:
| Nov-24-2010 |
|
|
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:
| Sep-1953 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 11y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 | Stated income: | $50,000-$74,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,797 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| awesome-peso |
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
Re doing my heating system
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because I have always paid my bills on time and in full?
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:
Do you have an estimate yet for the work to be done? Thanks. - squarebob
A:
Yes I have had HVAC companys out Its a old system and want to up grade for better fuel costs and do AC right away. I have lived here long time and want to be safe for winter, and save money. The old unit is about 65% new would be 90%
(Nov-18-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hitsman | $100.00 | $100.00 | 11/17/2010 3:34:47 PM |
| selector568 | $200.00 | $200.00 | 11/17/2010 3:31:31 PM |
| jdwillcox | $100.00 | $100.00 | 11/17/2010 3:37:41 PM |
| organized-payment6 | $25.00 | $25.00 | 11/17/2010 3:37:56 PM |
| melodious-fairness | $50.00 | $50.00 | 11/17/2010 3:35:12 PM |
| finance-mushroom | $100.00 | $100.00 | 11/17/2010 3:35:54 PM |
| indomitable-coin | $50.00 | $50.00 | 11/17/2010 3:38:40 PM |
| reflective-rupee | $150.00 | $150.00 | 11/17/2010 4:00:23 PM |
| raisingophelia | $25.00 | $25.00 | 11/17/2010 3:42:18 PM |
| investment-comet | $25.00 | $25.00 | 11/17/2010 3:33:50 PM |
| vigorous-velocity | $100.00 | $100.00 | 11/17/2010 3:38:54 PM |
| ray1051 | $50.00 | $50.00 | 11/17/2010 3:41:07 PM |
| riproaringrapids | $25.00 | $25.00 | 11/18/2010 3:10:58 AM |
| uprising35 | $25.00 | $25.00 | 11/18/2010 5:19:34 AM |
| bid-czar8 | $100.00 | $100.00 | 11/18/2010 5:25:26 AM |
| ichibon | $150.00 | $150.00 | 11/18/2010 6:46:35 AM |
| schreibp | $25.00 | $25.00 | 11/18/2010 8:42:47 AM |
| Steveoo1 | $25.00 | $25.00 | 11/18/2010 9:08:24 AM |
| Artist_Blue | $25.00 | $25.00 | 11/18/2010 7:38:39 AM |
| Savings_EQ_Dignity | $30.00 | $30.00 | 11/18/2010 9:46:32 AM |
| note-virtuoso8 | $50.00 | $50.00 | 11/18/2010 10:22:49 AM |
| squarebob | $50.00 | $50.00 | 11/18/2010 10:46:34 AM |
| maldok1 | $25.00 | $25.00 | 11/18/2010 1:36:40 PM |
| Interstate_Rate | $50.00 | $50.00 | 11/18/2010 1:58:10 PM |
| danthemon35 | $25.00 | $25.00 | 11/18/2010 1:55:24 PM |
| MM1207 | $25.00 | $25.00 | 11/18/2010 1:58:13 PM |
| radforj22 | $25.00 | $25.00 | 11/18/2010 3:04:39 PM |
| kc8fot | $25.00 | $25.00 | 11/18/2010 2:56:35 PM |
| angelinvestor2 | $50.00 | $50.00 | 11/18/2010 4:39:47 PM |
| graceful-investment | $100.00 | $100.00 | 11/18/2010 5:24:18 PM |
| Nyarpy | $25.00 | $25.00 | 11/18/2010 5:21:31 PM |
| 108lender | $40.59 | $40.59 | 11/18/2010 7:29:46 PM |
| worthy-bid8 | $25.00 | $25.00 | 11/18/2010 10:33:37 PM |
| tech310 | $50.00 | $50.00 | 11/18/2010 11:35:46 PM |
| ciccio70 | $25.00 | $25.00 | 11/19/2010 2:15:39 AM |
| hopeful-truth5 | $75.00 | $75.00 | 11/19/2010 1:08:35 PM |
| money-bauble | $25.00 | $25.00 | 11/19/2010 1:59:38 PM |
| powerful-finance7 | $25.00 | $25.00 | 11/20/2010 3:58:51 AM |
| ASR3 | $25.00 | $25.00 | 11/20/2010 7:11:57 AM |
| agile-diversification2 | $25.00 | $25.00 | 11/20/2010 3:14:04 PM |
| AFairDeal | $50.00 | $50.00 | 11/20/2010 11:13:25 AM |
| gracej | $25.00 | $25.00 | 11/20/2010 3:13:59 PM |
| Sam65 | $25.00 | $25.00 | 11/22/2010 3:00:00 AM |
| DrStaff | $50.00 | $50.00 | 11/22/2010 11:49:03 AM |
| menays | $40.00 | $40.00 | 11/22/2010 5:35:33 PM |
| velocity-amplifier9 | $50.00 | $50.00 | 11/22/2010 6:12:34 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/22/2010 6:03:18 PM |
| urbane-dollar4 | $50.00 | $50.00 | 11/23/2010 9:43:11 AM |
| understanding-affluence5 | $30.00 | $30.00 | 11/23/2010 9:44:13 AM |
| harperpotok | $50.00 | $50.00 | 11/23/2010 1:31:07 PM |
| mketelecom | $50.00 | $50.00 | 11/23/2010 1:58:49 PM |
| community-seahorse0 | $25.00 | $25.00 | 11/23/2010 4:48:53 PM |
| MarinLoans | $25.00 | $25.00 | 11/23/2010 8:28:15 PM |
| benefit-piano5 | $25.00 | $25.00 | 11/23/2010 8:48:29 PM |
| cashtolendyou | $25.00 | $25.00 | 11/23/2010 9:12:58 PM |
| jamiee73 | $25.00 | $25.00 | 11/23/2010 4:46:48 PM |
| Snowflake6515 | $25.00 | $25.00 | 11/23/2010 7:13:16 PM |
| kegs | $63.64 | $63.64 | 11/23/2010 5:42:50 PM |
| careful-note | $100.00 | $100.00 | 11/23/2010 8:22:48 PM |
| Rick21 | $50.00 | $50.00 | 11/23/2010 8:23:33 PM |
| Elbanko | $25.00 | $25.00 | 11/24/2010 7:40:28 AM |
| vigilance-revolutionary | $50.00 | $50.00 | 11/24/2010 7:50:24 AM |
| studious-bonus7 | $100.00 | $100.00 | 11/24/2010 7:39:58 AM |
| LiveNow | $25.00 | $25.00 | 11/24/2010 7:41:57 AM |
| peace-missile | $25.00 | $25.00 | 11/24/2010 7:44:29 AM |
| flwah | $25.00 | $25.00 | 11/24/2010 7:50:56 AM |
| steiglends | $75.00 | $75.00 | 11/24/2010 7:40:33 AM |
| 2bnforlife | $25.00 | $25.00 | 11/24/2010 7:42:41 AM |
| soheagle | $50.00 | $50.00 | 11/24/2010 7:43:33 AM |
| wampum-chorus3 | $25.00 | $25.00 | 11/24/2010 10:02:49 AM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:51:47 AM |
| joyous-revenue4 | $50.00 | $50.00 | 11/24/2010 10:05:29 AM |
| KLVLOPZ64 | $50.00 | $50.00 | 11/24/2010 10:07:42 AM |
| exchange-pledge | $50.00 | $50.00 | 11/24/2010 9:34:56 AM |
| upright-commitment5 | $25.00 | $25.00 | 11/24/2010 9:33:39 AM |
| Tradesmanlender | $35.00 | $35.00 | 11/24/2010 10:07:54 AM |
| agreement-puppy | $50.00 | $50.00 | 11/24/2010 9:34:31 AM |
| reflective-rupee | $250.00 | $250.00 | 11/24/2010 10:34:47 AM |
| Mproskin | $50.00 | $50.00 | 11/24/2010 10:09:24 AM |
| well-mannered-income3 | $40.00 | $40.00 | 11/24/2010 10:49:10 AM |
| thankful-nickel2 | $25.00 | $25.00 | 11/24/2010 1:55:01 PM |
| reflective-rupee | $600.00 | $600.00 | 11/24/2010 12:19:09 PM |
| loss-of-control | $25.00 | $25.00 | 11/24/2010 1:28:48 PM |
| Charmart | $25.00 | $25.00 | 11/24/2010 2:57:52 PM |
| simplelender80 | $100.00 | $100.00 | 11/17/2010 3:33:02 PM |
| enthralling-deal180 | $50.00 | $50.00 | 11/17/2010 3:33:25 PM |
| nickel-ferret | $50.00 | $50.00 | 11/17/2010 3:38:11 PM |
| finance_mba | $25.00 | $25.00 | 11/17/2010 3:39:04 PM |
| dunox | $25.00 | $25.00 | 11/17/2010 3:35:19 PM |
| icchok | $50.00 | $50.00 | 11/17/2010 3:36:49 PM |
| bold-durability-drum | $50.00 | $50.00 | 11/17/2010 3:37:00 PM |
| Ripsaw4U | $50.00 | $50.00 | 11/17/2010 3:42:57 PM |
| GElender | $100.00 | $100.00 | 11/17/2010 3:41:21 PM |
| BzJ108 | $25.00 | $25.00 | 11/17/2010 9:22:56 PM |
| skuba | $25.00 | $25.00 | 11/17/2010 11:07:25 PM |
| trustworthy-fairness | $50.00 | $50.00 | 11/18/2010 5:01:57 AM |
| grampy48 | $50.00 | $50.00 | 11/18/2010 3:47:29 AM |
| objective-investor | $150.00 | $150.00 | 11/18/2010 5:18:31 AM |
| jazzlender | $25.00 | $25.00 | 11/18/2010 6:59:33 AM |
| chiemsee | $25.00 | $25.00 | 11/18/2010 10:39:01 AM |
| agwosdof | $100.00 | $100.00 | 11/18/2010 10:48:17 AM |
| kublai | $100.00 | $100.00 | 11/18/2010 10:47:42 AM |
| hoffspot | $25.00 | $25.00 | 11/18/2010 11:21:32 AM |
| loyalist1 | $100.00 | $100.00 | 11/18/2010 1:16:13 PM |
| balanced-bill7 | $50.00 | $50.00 | 11/18/2010 1:58:18 PM |
| ddog0224 | $25.00 | $25.00 | 11/18/2010 3:00:11 PM |
| Vegasjim | $25.00 | $25.00 | 11/18/2010 3:04:31 PM |
| ommcd | $25.00 | $25.00 | 11/18/2010 5:04:40 PM |
| Bank_Of_XL | $50.00 | $50.00 | 11/18/2010 6:18:41 PM |
| responsibility-butterfly | $25.00 | $25.00 | 11/18/2010 6:31:37 PM |
| paymentologist | $25.00 | $25.00 | 11/18/2010 7:33:12 PM |
| ahansen | $40.00 | $40.00 | 11/18/2010 8:13:46 PM |
| PocketAces | $25.00 | $25.00 | 11/18/2010 10:43:15 PM |
| kchen486 | $50.00 | $50.00 | 11/18/2010 11:15:06 PM |
| cclady | $50.00 | $50.00 | 11/19/2010 8:22:14 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/19/2010 10:18:33 AM |
| orderly-leverage | $50.00 | $50.00 | 11/19/2010 3:30:03 PM |
| loan-mammal | $25.00 | $25.00 | 11/19/2010 2:25:56 PM |
| authentic-liberty7 | $50.00 | $50.00 | 11/19/2010 2:47:41 PM |
| proper-commitment5 | $25.00 | $25.00 | 11/19/2010 10:46:43 PM |
| handshake5 | $100.00 | $100.00 | 11/20/2010 6:02:53 AM |
| williemc44 | $29.26 | $29.26 | 11/20/2010 5:28:21 AM |
| kulender | $50.00 | $50.00 | 11/20/2010 4:53:02 AM |
| ti22ring | $25.00 | $25.00 | 11/20/2010 3:13:16 PM |
| missing-link | $35.33 | $35.33 | 11/21/2010 10:28:18 AM |
| income-vault6 | $25.00 | $25.00 | 11/22/2010 5:10:49 PM |
| red-unequivocal-finance | $25.00 | $25.00 | 11/22/2010 4:52:26 PM |
| bullwink27 | $25.00 | $25.00 | 11/22/2010 6:48:25 PM |
| taxguy1040 | $50.00 | $50.00 | 11/23/2010 6:52:46 AM |
| best-platinum-persimmon | $100.00 | $100.00 | 11/23/2010 8:46:03 AM |
| psa1995 | $50.00 | $50.00 | 11/23/2010 11:25:46 AM |
| radiant-fund | $50.00 | $50.00 | 11/23/2010 11:56:51 AM |
| loyalty-sherpa | $50.00 | $50.00 | 11/23/2010 10:52:00 AM |
| The_Lending_Muscle | $25.00 | $25.00 | 11/23/2010 12:58:10 PM |
| triumph329 | $25.00 | $25.00 | 11/23/2010 11:34:28 AM |
| saysana | $25.00 | $25.00 | 11/23/2010 1:58:44 PM |
| moneygeek | $50.00 | $50.00 | 11/23/2010 12:23:24 PM |
| FinDoc | $30.00 | $30.00 | 11/23/2010 4:21:58 PM |
| a-finance-nirvana | $25.00 | $25.00 | 11/23/2010 4:33:52 PM |
| inspired-investment8 | $37.78 | $37.78 | 11/23/2010 4:36:45 PM |
| cash4less | $25.00 | $25.00 | 11/23/2010 6:07:54 PM |
| SBT | $25.00 | $25.00 | 11/23/2010 6:08:03 PM |
| janus_god | $25.00 | $25.00 | 11/23/2010 5:40:02 PM |
| piston_honda | $25.00 | $25.00 | 11/24/2010 1:29:30 AM |
| unassassinable | $25.00 | $25.00 | 11/24/2010 2:10:48 AM |
| Philosonie | $25.00 | $25.00 | 11/24/2010 5:42:57 AM |
| stolirocks01 | $50.00 | $50.00 | 11/24/2010 6:09:43 AM |
| dollar-high-five | $25.00 | $25.00 | 11/23/2010 8:52:45 PM |
| Big-Travy | $25.00 | $25.00 | 11/24/2010 1:20:09 AM |
| kmr2 | $200.00 | $200.00 | 11/24/2010 1:26:50 AM |
| jjswanso | $50.00 | $50.00 | 11/24/2010 6:03:23 AM |
| haplender | $50.00 | $50.00 | 11/24/2010 7:44:47 AM |
| neutrino6 | $25.00 | $25.00 | 11/24/2010 7:42:17 AM |
| bowdish1 | $50.00 | $50.00 | 11/24/2010 7:44:57 AM |
| CAGE-Investments | $25.00 | $25.00 | 11/24/2010 10:06:26 AM |
| calinno2 | $25.00 | $25.00 | 11/24/2010 10:07:04 AM |
| DcUnited | $30.00 | $30.00 | 11/24/2010 10:23:13 AM |
| worth-powerplant | $25.00 | $25.00 | 11/24/2010 9:35:18 AM |
| Floridian71 | $50.00 | $50.00 | 11/24/2010 11:07:50 AM |
| Premierelender | $25.00 | $25.00 | 11/24/2010 10:07:27 AM |
| new-sharp-leverage | $50.00 | $50.00 | 11/24/2010 9:34:25 AM |
| Marathoner | $25.00 | $25.00 | 11/24/2010 10:09:36 AM |
| gs92126 | $25.00 | $25.00 | 11/24/2010 10:23:18 AM |
| bazaar-festivity | $25.00 | $25.00 | 11/24/2010 11:25:06 AM |
| anton | $7,500.00 | $6,643.40 | 11/24/2010 11:26:23 AM |
| BxRealtor | $25.00 | $25.00 | 11/24/2010 11:53:41 AM |
| colorfulgardener | $25.00 | $25.00 | 11/24/2010 3:18:27 PM |
| yu-rik | $50.00 | $50.00 | 11/24/2010 3:06:42 PM |
| 168 bids
|
Borrower Payment Dependent Notes Series
485419
This series of Notes was issued and sold upon the funding of the borrower loan #45809, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Nov-22-2010 |
| |
Auction end date:
| Nov-29-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $84.36 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $82.19 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jul-2003 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 6m |
|
Amount delinquent:
| $749 |
Total credit lines:
| 8 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,673 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| christinefeen |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? Consolidate two higher interest credit cards into one lower monthly payment.
My financial situation:
I am a good candidate for this loan because?I have stable employment and make a good yearly income.
Monthly net income: $
3262.00
Monthly expenses: $
??Housing: $
850.00
??Insurance: $
120.00
??Car expenses: $
200.00
??Utilities: $
100.00
??Phone, cable, internet: $
200.00
??Food, entertainment: $
300.00
??Clothing, household expenses $
200.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 300.00 day care
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| inspiring-reward | $150.00 | $150.00 | 11/22/2010 5:38:53 PM |
| Cai8899 | $25.00 | $25.00 | 11/23/2010 1:59:29 AM |
| musegaze | $37.72 | $37.72 | 11/23/2010 3:31:16 AM |
| SolarMoonshine | $25.00 | $25.00 | 11/23/2010 4:19:26 AM |
| cablenews | $25.00 | $25.00 | 11/23/2010 6:39:22 AM |
| parsec9 | $25.00 | $25.00 | 11/23/2010 9:48:56 AM |
| Kaj | $25.00 | $25.00 | 11/23/2010 4:37:36 PM |
| finance-prescription | $100.00 | $100.00 | 11/24/2010 7:59:39 AM |
| 108lender | $37.52 | $37.52 | 11/24/2010 5:05:23 PM |
| loyalist1 | $50.00 | $44.39 | 11/24/2010 7:37:52 PM |
| interstellar | $45.37 | $45.37 | 11/25/2010 12:58:58 AM |
| Bobafet | $25.00 | $25.00 | 11/25/2010 3:50:16 PM |
| 2grindstones | $25.00 | $25.00 | 11/26/2010 4:38:10 PM |
| 850 | $50.00 | $50.00 | 11/26/2010 7:50:52 PM |
| squarebob | $25.00 | $25.00 | 11/26/2010 9:52:05 PM |
| buffalobills | $25.00 | $25.00 | 11/27/2010 6:31:32 PM |
| scamps | $25.00 | $25.00 | 11/28/2010 9:11:45 PM |
| GS-ROCK | $25.00 | $25.00 | 11/29/2010 7:48:13 AM |
| kc8fot | $50.00 | $50.00 | 11/29/2010 9:16:21 AM |
| ultimate-peace | $300.00 | $300.00 | 11/29/2010 9:09:30 AM |
| cippy | $100.00 | $100.00 | 11/29/2010 10:30:03 AM |
| kindness-venture1 | $50.00 | $50.00 | 11/29/2010 11:22:36 AM |
| income-rocker2 | $50.00 | $50.00 | 11/29/2010 10:58:00 AM |
| refined-return8 | $25.00 | $25.00 | 11/29/2010 11:24:20 AM |
| simplelender80 | $100.00 | $100.00 | 11/22/2010 12:40:01 PM |
| deal-hickory5 | $50.00 | $50.00 | 11/22/2010 1:59:05 PM |
| danthemon35 | $25.00 | $25.00 | 11/22/2010 6:24:59 PM |
| building_community | $50.00 | $50.00 | 11/23/2010 7:40:32 AM |
| money-bauble | $25.00 | $25.00 | 11/23/2010 3:56:26 AM |
| meers2000 | $25.00 | $25.00 | 11/23/2010 10:33:13 AM |
| tech310 | $25.00 | $25.00 | 11/23/2010 11:31:38 AM |
| wise-balanced-moola | $25.00 | $25.00 | 11/24/2010 8:05:25 AM |
| TpbiCapitals | $50.00 | $50.00 | 11/24/2010 7:15:18 AM |
| finance-prescription | $50.00 | $50.00 | 11/24/2010 7:46:09 AM |
| scarlet-velvet | $25.00 | $25.00 | 11/24/2010 10:11:11 AM |
| Kyileo | $25.00 | $25.00 | 11/24/2010 2:18:58 PM |
| greenback-guard | $25.00 | $25.00 | 11/26/2010 9:09:09 AM |
| umfan123 | $25.00 | $25.00 | 11/26/2010 1:18:05 PM |
| AM2008 | $25.00 | $25.00 | 11/26/2010 6:09:29 PM |
| erowis | $30.00 | $30.00 | 11/27/2010 8:56:26 AM |
| dRatedOnly | $25.00 | $25.00 | 11/28/2010 4:40:05 AM |
| Bocephus1959 | $25.00 | $25.00 | 11/28/2010 7:53:00 AM |
| mckhbnpc | $30.00 | $30.00 | 11/28/2010 4:19:00 PM |
| squarebob | $25.00 | $25.00 | 11/29/2010 11:00:28 AM |
| 44 bids
|
Borrower Payment Dependent Notes Series
485875
This series of Notes was issued and sold upon the funding of the borrower loan #45915, 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-29-2010 |
| |
Auction end date:
| Dec-03-2010 |
|
|
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):
| 7 |
First credit line:
| Jun-1990 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 0y 11m |
|
Amount delinquent:
| $2,457 |
Total credit lines:
| 30 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,322 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| impressive-gold1 |
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
Get me out of this!!!!!
Purpose of loan:
This loan will be used to get the ship corrected. Recently laid off from employer of over 23 year and trying to get back on my feet.?????
My financial situation:
I am a good candidate for this loan because I want to pay off debts that I incur.?
Monthly net income: $
Monthly expenses: $
??Housing: $ 825.00
??Insurance: $? 100.00
??Car expenses: $ 265.00
??Utilities: $ 0
??Phone, cable, internet: $ 100
??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 current delinquencies shown on your Prosper credit profile. Thanks and best wishes. - reflective-rupee
A:
Barclays Bank--- This card/account was disputed. It was going into collections for the balance. I settled with collections for a reduced amount. I have the cancelled check-confirmation that I paid them $1600.00 to settle the balance.
They have since informed me that they will leave on credit report as unpaid balance.
(Nov-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hopeful-truth5 | $100.00 | $100.00 | 11/29/2010 3:04:42 PM |
| bid-czar8 | $100.00 | $100.00 | 11/29/2010 3:22:29 PM |
| DonaldColorado | $50.00 | $50.00 | 11/29/2010 3:20:04 PM |
| finance-prescription | $100.00 | $100.00 | 11/29/2010 3:16:32 PM |
| money-bauble | $25.00 | $25.00 | 11/29/2010 3:32:28 PM |
| jazzlender | $25.00 | $25.00 | 11/29/2010 3:19:04 PM |
| Artist_Blue | $25.00 | $25.00 | 11/29/2010 3:26:41 PM |
| musegaze | $50.00 | $50.00 | 11/30/2010 11:40:38 AM |
| MikeyZ2008 | $100.00 | $100.00 | 11/30/2010 2:44:20 PM |
| ichibon | $50.00 | $50.00 | 12/1/2010 9:59:09 AM |
| worthy-bid8 | $50.00 | $50.00 | 12/1/2010 10:43:02 AM |
| raisingophelia | $25.00 | $25.00 | 12/1/2010 11:16:20 AM |
| finagler | $25.00 | $25.00 | 12/1/2010 6:40:13 PM |
| LenderOnWheels | $25.00 | $25.00 | 12/1/2010 9:12:49 PM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:05:45 PM |
| fortytwo | $50.00 | $50.00 | 12/2/2010 2:31:32 AM |
| be_wise | $25.00 | $25.00 | 12/2/2010 8:31:06 AM |
| visionary-currency | $50.00 | $50.00 | 12/2/2010 8:33:02 AM |
| abnvette | $25.00 | $25.00 | 12/2/2010 2:36:15 PM |
| 108lender | $200.00 | $200.00 | 12/2/2010 12:00:54 PM |
| delivery | $25.00 | $25.00 | 12/3/2010 7:59:12 AM |
| MrMoneyBags | $25.00 | $25.00 | 12/3/2010 1:27:15 PM |
| wwwUniversal | $25.00 | $25.00 | 12/3/2010 11:33:46 AM |
| income-vault6 | $25.00 | $25.00 | 12/3/2010 4:28:39 PM |
| Speculator | $40.17 | $40.17 | 12/3/2010 3:51:39 PM |
| FoosMaster | $125.00 | $125.00 | 12/3/2010 4:13:48 PM |
| jigsaw | $26.94 | $26.94 | 12/3/2010 4:47:09 PM |
| graceful-investment | $100.00 | $100.00 | 11/29/2010 2:56:18 PM |
| ASR3 | $25.00 | $25.00 | 11/29/2010 3:12:36 PM |
| kulender | $50.00 | $50.00 | 11/29/2010 3:13:43 PM |
| finance-prescription | $50.00 | $50.00 | 11/29/2010 3:15:52 PM |
| paytonbrigadier | $200.00 | $200.00 | 11/29/2010 3:21:09 PM |
| trade-boots1 | $100.00 | $100.00 | 11/29/2010 3:24:09 PM |
| simplelender80 | $100.00 | $100.00 | 11/29/2010 3:12:53 PM |
| greenback-guard | $25.00 | $25.00 | 11/29/2010 3:23:23 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 11/29/2010 3:27:49 PM |
| Mariner3605 | $50.00 | $50.00 | 11/29/2010 3:29:44 PM |
| bulsa | $100.00 | $100.00 | 11/29/2010 3:25:46 PM |
| commerce-yeller | $25.00 | $25.00 | 11/29/2010 3:30:27 PM |
| loyalist1 | $50.00 | $50.00 | 11/30/2010 10:08:21 AM |
| astute-investment5 | $25.00 | $25.00 | 11/30/2010 9:34:03 AM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/30/2010 2:45:30 PM |
| nybanker85 | $30.00 | $30.00 | 11/30/2010 3:12:31 PM |
| gain-gourd | $100.00 | $100.00 | 11/30/2010 3:16:54 PM |
| kind-adventurous-finance | $50.00 | $50.00 | 11/30/2010 3:43:21 PM |
| investment-comet | $25.00 | $25.00 | 11/30/2010 6:22:44 PM |
| ThatDanGuy | $100.00 | $100.00 | 12/1/2010 7:33:23 AM |
| PrivateLoaner | $40.54 | $40.54 | 12/1/2010 11:48:24 AM |
| Redmond | $25.00 | $25.00 | 12/1/2010 2:04:41 PM |
| handshake5 | $100.00 | $100.00 | 12/1/2010 3:06:18 PM |
| LiveNow | $25.00 | $25.00 | 12/1/2010 5:18:29 PM |
| finance-magma7 | $100.00 | $100.00 | 12/1/2010 9:13:01 PM |
| competent-p2p | $50.00 | $50.00 | 12/2/2010 7:52:56 AM |
| Comoparklender | $25.00 | $25.00 | 12/2/2010 5:22:00 AM |
| flexible-income9 | $25.00 | $25.00 | 12/1/2010 8:17:50 PM |
| ivadood | $50.00 | $41.28 | 12/2/2010 8:56:24 AM |
| a-finance-nirvana | $25.00 | $25.00 | 12/3/2010 4:55:22 AM |
| orange-preeminant-bill | $50.00 | $50.00 | 12/3/2010 4:51:36 AM |
| orderly-leverage | $96.07 | $96.07 | 12/3/2010 7:44:12 AM |
| b-rent | $25.00 | $25.00 | 12/3/2010 3:07:28 AM |
| umfan123 | $25.00 | $25.00 | 12/3/2010 11:33:22 AM |
| money-vista | $25.00 | $25.00 | 12/3/2010 1:57:39 PM |
| scrappy-diversification7 | $4,000.00 | $4,000.00 | 12/3/2010 11:00:10 AM |
| Ven58 | $25.00 | $25.00 | 12/3/2010 2:28:45 PM |
| kind-bill-supporter | $25.00 | $25.00 | 12/3/2010 3:13:28 PM |
| personal-lender | $25.00 | $25.00 | 12/3/2010 4:47:11 PM |
| greenback-bull6 | $50.00 | $50.00 | 12/3/2010 4:47:13 PM |
| 67 bids
|
Borrower Payment Dependent Notes Series
486033
This series of Notes was issued and sold upon the funding of the borrower loan #45919, 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:
| 10.80% |
Auction start date:
| Nov-29-2010 |
| |
Auction end date:
| Dec-05-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $168.71 |
|
Final lender yield:
| 28.50% |
Final borrower rate/APR:
| 29.50% / 33.10% |
Final monthly payment:
| $168.71 |
| |
|
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):
| 9 |
First credit line:
| Jul-2004 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,540 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| g33 |
Borrower's state:
| Oklahoma |
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 a few bills
Purpose of loan:
This loan will be used to?pay off a few bills and finish paying for the work that was done on my laundry room.?
My financial situation:
I am a good candidate for this loan because I?have a government job which is a steady income with cost of living expenses increases yearly.?????
Monthly net income: $
3000.00
Monthly expenses: $
??Housing: $ 560.00????????
??Insurance: $ 70.00????
??Car expenses: $ 360.00
??Utilities: $ 180.00
??Phone, cable, internet: $?20.00
??Food, entertainment: $?75.00
??Clothing, household expenses $?200.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 120.00
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| graceful-investment | $100.00 | $100.00 | 11/29/2010 2:58:32 PM |
| hopeful-truth5 | $100.00 | $100.00 | 11/29/2010 3:04:50 PM |
| DonaldColorado | $50.00 | $50.00 | 11/29/2010 3:20:14 PM |
| simplelender80 | $100.00 | $100.00 | 11/29/2010 3:12:57 PM |
| kulender | $100.00 | $100.00 | 11/29/2010 3:14:04 PM |
| loyalist1 | $50.00 | $50.00 | 11/30/2010 2:47:46 PM |
| musegaze | $73.40 | $73.40 | 12/1/2010 2:13:01 AM |
| BradP | $75.00 | $75.00 | 12/1/2010 1:17:41 PM |
| HHP | $25.00 | $25.00 | 12/1/2010 9:45:11 AM |
| dollar-spy | $50.00 | $50.00 | 12/2/2010 7:48:55 AM |
| leverage-monger | $25.00 | $25.00 | 12/3/2010 6:26:19 AM |
| leverage-monger | $50.00 | $50.00 | 12/3/2010 6:47:10 AM |
| well-rounded-dinero | $100.00 | $100.00 | 12/3/2010 11:02:17 AM |
| ttnk62918 | $25.00 | $25.00 | 12/3/2010 12:03:42 PM |
| EngineersAlliance | $100.00 | $100.00 | 12/3/2010 12:01:09 PM |
| wwwUniversal | $25.00 | $25.00 | 12/3/2010 12:04:25 PM |
| orderly-leverage | $100.00 | $100.00 | 12/3/2010 5:22:57 PM |
| 108lender | $175.00 | $175.00 | 12/3/2010 4:29:35 PM |
| Bob450 | $25.00 | $25.00 | 12/3/2010 4:18:59 PM |
| lawyervon | $25.00 | $25.00 | 12/3/2010 5:20:10 PM |
| mpatrick | $25.00 | $25.00 | 12/4/2010 10:31:56 AM |
| Ven58 | $25.00 | $25.00 | 12/4/2010 12:58:25 AM |
| Flreap | $25.00 | $25.00 | 12/4/2010 10:01:26 AM |
| b-rent | $25.00 | $25.00 | 12/4/2010 7:47:36 PM |
| psycardis | $32.21 | $32.21 | 12/5/2010 6:50:22 AM |
| JnJinvestments | $25.00 | $25.00 | 12/5/2010 8:48:39 AM |
| fund-javelin1 | $25.00 | $25.00 | 12/5/2010 11:26:32 AM |
| Kanyon | $25.00 | $25.00 | 12/5/2010 11:46:05 AM |
| all_of_that_one | $25.00 | $25.00 | 12/5/2010 7:43:39 AM |
| power-secret-agent | $25.00 | $25.00 | 12/4/2010 4:59:13 PM |
| Travis247 | $25.00 | $25.00 | 12/5/2010 7:45:59 AM |
| bold-direct-asset | $50.00 | $50.00 | 12/5/2010 9:13:22 AM |
| small-change | $25.00 | $25.00 | 12/5/2010 9:23:05 AM |
| return-confidant | $25.00 | $25.00 | 12/5/2010 10:52:04 AM |
| jazzlender | $25.00 | $25.00 | 11/29/2010 3:19:15 PM |
| finance-prescription | $100.00 | $100.00 | 11/29/2010 3:16:28 PM |
| paytonbrigadier | $200.00 | $99.71 | 11/29/2010 3:21:20 PM |
| ASR3 | $25.00 | $25.00 | 11/29/2010 3:12:29 PM |
| finance-prescription | $50.00 | $50.00 | 11/29/2010 3:15:56 PM |
| lendstats_com | $200.00 | $200.00 | 11/29/2010 4:32:21 PM |
| greenback-guard | $25.00 | $25.00 | 11/30/2010 2:47:42 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/30/2010 5:24:05 PM |
| beuford7 | $25.00 | $25.00 | 12/1/2010 3:54:06 PM |
| economy-synapse | $25.00 | $25.00 | 12/1/2010 7:05:55 PM |
| HermanstadtKid | $50.00 | $50.00 | 12/1/2010 6:07:27 PM |
| visionary-currency | $200.00 | $200.00 | 12/2/2010 8:22:13 AM |
| competent-p2p | $50.00 | $50.00 | 12/2/2010 7:52:59 AM |
| leverage-monger | $31.00 | $31.00 | 12/2/2010 9:18:44 AM |
| a-finance-nirvana | $25.00 | $25.00 | 12/3/2010 4:55:29 AM |
| economy-popcorn | $25.00 | $25.00 | 12/3/2010 10:53:45 AM |
| reflective-rupee | $100.00 | $100.00 | 12/3/2010 10:32:01 AM |
| smart-treasure | $25.00 | $25.00 | 12/3/2010 7:29:00 AM |
| orange-preeminant-bill | $50.00 | $50.00 | 12/3/2010 11:32:15 AM |
| leverage-monger | $25.00 | $25.00 | 12/3/2010 11:20:22 AM |
| money-vista | $25.00 | $25.00 | 12/3/2010 1:57:41 PM |
| melodious-openness | $200.00 | $200.00 | 12/3/2010 2:14:37 PM |
| FoosMaster | $150.00 | $150.00 | 12/3/2010 4:16:47 PM |
| hurricanefever | $50.00 | $50.00 | 12/3/2010 6:35:30 PM |
| SDD123 | $25.00 | $25.00 | 12/4/2010 4:14:35 AM |
| rhin0cerx | $37.79 | $37.79 | 12/4/2010 6:19:58 AM |
| alexgalt | $25.00 | $25.00 | 12/4/2010 1:42:52 AM |
| Cbank05 | $25.00 | $25.00 | 12/4/2010 9:42:04 AM |
| FinanciallySavvyMom | $25.00 | $25.00 | 12/4/2010 1:03:25 PM |
| proton346 | $25.00 | $25.00 | 12/4/2010 9:25:32 AM |
| SqueezeKing | $25.00 | $25.00 | 12/4/2010 1:15:48 AM |
| kendallv | $50.00 | $50.00 | 12/4/2010 11:15:24 AM |
| Kaj | $25.00 | $25.00 | 12/4/2010 5:12:46 PM |
| elegant-commerce7 | $30.00 | $30.00 | 12/5/2010 6:09:41 AM |
| five-star-bonus6 | $32.00 | $32.00 | 12/4/2010 10:38:05 AM |
| Aegidius | $62.31 | $62.31 | 12/5/2010 7:59:04 AM |
| Kash2010lu | $25.00 | $25.00 | 12/5/2010 8:28:02 AM |
| timmybraley | $101.33 | $101.33 | 12/5/2010 9:10:32 AM |
| mcgovern2024 | $25.25 | $25.25 | 12/5/2010 10:41:01 AM |
| Free-the-usa-1776 | $25.00 | $25.00 | 12/4/2010 2:59:15 PM |
| attractive-point5 | $50.00 | $50.00 | 12/4/2010 3:07:56 PM |
| loan-genie88 | $25.00 | $25.00 | 12/4/2010 5:43:03 PM |
| 76 bids
|
Borrower Payment Dependent Notes Series
486375
This series of Notes was issued and sold upon the funding of the borrower loan #45913, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.55% |
Auction start date:
| Dec-02-2010 |
| |
Auction end date:
| Dec-09-2010 |
|
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 9.34% |
Starting monthly payment:
| $318.00 |
|
Final lender yield:
| 7.00% |
Final borrower rate/APR:
| 8.00% / 8.34% |
Final monthly payment:
| $313.36 |
| |
|
Auction yield range:
| 2.57% - 8.00% |
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:
| Feb-1990 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
11 | Length of status: | 10y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $90,596 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Hydra |
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
Beautiful Property Purchase
Purpose of loan:
This loan will be used to purchase a 40% share of a mountain home in Panama and 40% of the furnishings . The property will re sold as time share and rented as part time rentals for short vacations.?? The property is less than one hour from Panama City, Panama. It is 3 bedrooms, 2 bathrooms and abuts a beautiful national park.? It has excellent income potential.
My financial situation:
I have an excellent credit rating and currently own 3 rental properties in New Hampshire?that provide a positive cash flow.? I have extensive experience in the real estate business, with over 7 years of rental property ownership. As is proven by the positive cash flow on my properties, I only purchase quality properties with good financing terms.? I am fully employed as a commercial pilot and make approximately $150,000, including non health benefits (per diem, 401k match).? I also do not have health insurance expense because it is provided as part of my compensation package.??
?I have excellent credit, am not late on my loans or expenses, have no automobile payments (fully paid off) and have good experience with the finances.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ADenny | $25.00 | $25.00 | 12/2/2010 4:04:01 PM |
| money-bauble | $100.00 | $100.00 | 12/2/2010 4:07:28 PM |
| currency-persimmon | $25.00 | $25.00 | 12/2/2010 4:09:35 PM |
| perlindc | $100.00 | $100.00 | 12/2/2010 4:22:26 PM |
| murren | $25.00 | $25.00 | 12/2/2010 4:25:38 PM |
| Goodlender42 | $25.00 | $25.00 | 12/2/2010 4:25:52 PM |
| innocent-deal | $50.00 | $50.00 | 12/2/2010 4:26:03 PM |
| organized-payment6 | $50.00 | $50.00 | 12/2/2010 4:26:26 PM |
| indomitable-coin | $50.00 | $50.00 | 12/2/2010 4:26:46 PM |
| kenji4861 | $50.00 | $50.00 | 12/2/2010 4:27:29 PM |
| kid8549 | $50.00 | $50.00 | 12/2/2010 4:27:37 PM |
| CaptainBlueberry | $25.00 | $25.00 | 12/2/2010 4:27:59 PM |
| trade-boots1 | $100.00 | $100.00 | 12/2/2010 4:28:19 PM |
| afotherg | $75.00 | $75.00 | 12/2/2010 4:28:38 PM |
| scottburger | $50.00 | $50.00 | 12/2/2010 4:29:31 PM |
| sensible-order2 | $50.00 | $50.00 | 12/2/2010 4:29:54 PM |
| Steveoo1 | $50.00 | $50.00 | 12/2/2010 4:30:11 PM |
| important-ore | $100.00 | $100.00 | 12/2/2010 4:30:19 PM |
| bigballer105 | $100.00 | $100.00 | 12/2/2010 4:30:29 PM |
| value-pouch | $50.00 | $50.00 | 12/2/2010 4:32:09 PM |
| latestone | $25.00 | $25.00 | 12/2/2010 4:32:21 PM |
| fortytwo | $200.00 | $164.46 | 12/2/2010 4:32:36 PM |
| DukSerduk | $25.00 | $25.00 | 12/2/2010 4:03:41 PM |
| outwish | $25.00 | $25.00 | 12/2/2010 4:04:54 PM |
| capital-web7 | $50.00 | $50.00 | 12/2/2010 4:09:41 PM |
| elasermd | $50.00 | $50.00 | 12/2/2010 4:22:24 PM |
| flypenguin | $50.00 | $50.00 | 12/2/2010 4:25:22 PM |
| panegryst | $50.00 | $50.00 | 12/2/2010 4:26:28 PM |
| seabass123 | $25.00 | $25.00 | 12/2/2010 4:26:48 PM |
| truth-prospector | $25.00 | $25.00 | 12/2/2010 4:27:05 PM |
| verse99 | $25.00 | $25.00 | 12/2/2010 4:27:55 PM |
| efficient-marketplace | $50.00 | $50.00 | 12/2/2010 4:28:08 PM |
| AFairDeal | $75.00 | $75.00 | 12/2/2010 4:28:28 PM |
| stable-money | $25.00 | $25.00 | 12/2/2010 4:28:47 PM |
| GElender | $100.00 | $100.00 | 12/2/2010 4:28:56 PM |
| schpere | $550.00 | $550.00 | 12/2/2010 4:29:37 PM |
| PCash | $25.00 | $25.00 | 12/2/2010 4:30:02 PM |
| chrisb1414 | $25.00 | $25.00 | 12/2/2010 4:32:15 PM |
| iolaire | $25.00 | $25.00 | 12/2/2010 4:32:20 PM |
| auction-sage | $50.00 | $50.00 | 12/2/2010 4:03:28 PM |
| tech310 | $50.00 | $50.00 | 12/2/2010 4:03:49 PM |
| figs4u2 | $100.00 | $100.00 | 12/2/2010 4:04:07 PM |
| the-bright-velocity | $25.00 | $25.00 | 12/2/2010 4:05:21 PM |
| radforj22 | $50.00 | $50.00 | 12/2/2010 4:08:24 PM |
| life-is-great | $50.00 | $50.00 | 12/2/2010 4:09:32 PM |
| mjunlimited | $50.00 | $50.00 | 12/2/2010 4:18:44 PM |
| nickel-ferret | $50.00 | $50.00 | 12/2/2010 4:22:22 PM |
| forthright-dedication | $25.00 | $25.00 | 12/2/2010 4:25:16 PM |
| ommcd | $25.00 | $25.00 | 12/2/2010 4:25:28 PM |
| diablorulz | $50.00 | $50.00 | 12/2/2010 4:25:47 PM |
| PThor | $25.00 | $25.00 | 12/2/2010 4:26:00 PM |
| vigilance-revolutionary | $50.00 | $50.00 | 12/2/2010 4:26:18 PM |
| vigorous-velocity | $100.00 | $100.00 | 12/2/2010 4:26:44 PM |
| goldie414 | $50.00 | $50.00 | 12/2/2010 4:27:01 PM |
| fcukciti | $25.00 | $25.00 | 12/2/2010 4:27:19 PM |
| point-didgeridoo | $50.00 | $50.00 | 12/2/2010 4:28:12 PM |
| the-enterprising-leverage | $25.00 | $25.00 | 12/2/2010 4:28:30 PM |
| subtle-revenue0 | $25.00 | $25.00 | 12/2/2010 4:28:43 PM |
| delicious-social132 | $50.00 | $50.00 | 12/2/2010 4:29:23 PM |
| windfall46 | $25.00 | $25.00 | 12/2/2010 4:29:44 PM |
| saihu | $25.00 | $25.00 | 12/2/2010 4:32:16 PM |
| j2ee | $25.00 | $25.00 | 12/2/2010 4:33:27 PM |
| dma1206 | $25.00 | $25.00 | 12/2/2010 5:00:12 PM |
| BOZO88 | $28.00 | $28.00 | 12/3/2010 8:30:34 AM |
| outofoffice | $50.00 | $50.00 | 12/3/2010 10:08:06 AM |
| rustysailor | $25.00 | $25.00 | 12/3/2010 11:42:28 AM |
| alaskanbearcub | $25.00 | $25.00 | 12/3/2010 11:13:16 AM |
| jcttjg | $50.00 | $50.00 | 12/4/2010 12:17:48 PM |
| Nazbuster | $100.00 | $100.00 | 12/5/2010 6:39:22 AM |
| thankful-nickel2 | $25.00 | $25.00 | 12/5/2010 1:48:16 PM |
| TigerForce | $25.00 | $25.00 | 12/6/2010 4:28:16 PM |
| sab | $25.00 | $25.00 | 12/6/2010 7:39:00 PM |
| secret-santa | $25.00 | $25.00 | 12/6/2010 6:33:58 PM |
| newest-funds-powerplant | $25.00 | $25.00 | 12/6/2010 8:28:29 PM |
| indomitable-coin | $100.00 | $100.00 | 12/7/2010 12:03:51 PM |
| Dollars4Rent | $25.00 | $25.00 | 12/7/2010 11:11:29 AM |
| Dollars4Rent | $25.00 | $25.00 | 12/7/2010 11:11:06 AM |
| patriot897 | $30.00 | $30.00 | 12/7/2010 6:39:14 PM |
| paramjit | $52.73 | $52.73 | 12/7/2010 10:25:54 PM |
| imdave4me | $25.00 | $25.00 | 12/8/2010 2:01:35 AM |
| mathprof | $25.00 | $25.00 | 12/8/2010 7:39:11 PM |
| ttnk62918 | $25.00 | $25.00 | 12/9/2010 1:06:38 AM |
| iaviate1 | $30.45 | $30.45 | 12/9/2010 1:41:06 AM |
| Banker3119 | $25.00 | $25.00 | 12/9/2010 4:44:50 AM |
| merciful-yield | $25.36 | $25.36 | 12/9/2010 9:19:53 AM |
| csandb | $25.00 | $25.00 | 12/9/2010 10:02:21 AM |
| reflective-rupee | $25.00 | $25.00 | 12/9/2010 2:26:39 PM |
| mlb1 | $25.00 | $25.00 | 12/9/2010 3:10:13 PM |
| kc8fot | $50.00 | $50.00 | 12/2/2010 4:09:12 PM |
| Ripsaw4U | $50.00 | $50.00 | 12/2/2010 4:09:39 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 12/2/2010 4:22:23 PM |
| MarinLoans | $25.00 | $25.00 | 12/2/2010 4:25:19 PM |
| Emgolda | $25.00 | $25.00 | 12/2/2010 4:25:41 PM |
| C_Mark | $50.00 | $50.00 | 12/2/2010 4:25:50 PM |
| skuba | $100.00 | $100.00 | 12/2/2010 4:25:55 PM |
| BuckeyeBanker | $50.00 | $50.00 | 12/2/2010 4:26:24 PM |
| blot44 | $25.00 | $25.00 | 12/2/2010 4:26:39 PM |
| exchange-pledge | $50.00 | $50.00 | 12/2/2010 4:27:21 PM |
| loan-kung-fu | $200.00 | $200.00 | 12/2/2010 4:27:34 PM |
| stuy1998 | $30.00 | $30.00 | 12/2/2010 4:27:50 PM |
| conaty | $50.00 | $50.00 | 12/2/2010 4:28:05 PM |
| Headhunter14 | $25.00 | $25.00 | 12/2/2010 4:28:31 PM |
| Doc23 | $25.00 | $25.00 | 12/2/2010 4:28:50 PM |
| Dan65 | $50.00 | $50.00 | 12/2/2010 4:29:15 PM |
| astute-investment5 | $25.00 | $25.00 | 12/2/2010 4:29:48 PM |
| ChristopherHS | $25.00 | $25.00 | 12/2/2010 4:30:04 PM |
| economy-beast | $25.00 | $25.00 | 12/2/2010 4:30:16 PM |
| MONEYLENDER101 | $100.00 | $100.00 | 12/2/2010 4:30:22 PM |
| balance2 | $25.00 | $25.00 | 12/2/2010 4:32:14 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 12/2/2010 4:32:25 PM |
| gojackgo | $50.00 | $50.00 | 12/2/2010 4:32:35 PM |
| commerce-voyager | $25.00 | $25.00 | 12/2/2010 4:03:47 PM |
| generous-deal6 | $50.00 | $50.00 | 12/2/2010 4:08:14 PM |
| bds9646 | $26.00 | $26.00 | 12/2/2010 4:25:45 PM |
| Curly-Girly | $25.00 | $25.00 | 12/2/2010 4:26:42 PM |
| ThomasC | $50.00 | $50.00 | 12/2/2010 4:26:56 PM |
| Pulchritudinous | $25.00 | $25.00 | 12/2/2010 4:27:10 PM |
| compoundinterest | $50.00 | $50.00 | 12/2/2010 4:27:40 PM |
| CBO-Enterprise | $100.00 | $100.00 | 12/2/2010 4:28:02 PM |
| loan-warrior | $25.00 | $25.00 | 12/2/2010 4:28:22 PM |
| interest-exec9 | $25.00 | $25.00 | 12/2/2010 4:28:54 PM |
| roadtruck | $50.00 | $50.00 | 12/2/2010 4:29:22 PM |
| rss197 | $25.00 | $25.00 | 12/2/2010 4:29:41 PM |
| SourDoughSteve | $25.00 | $25.00 | 12/2/2010 4:30:07 PM |
| kind-adventurous-finance | $50.00 | $50.00 | 12/2/2010 4:32:12 PM |
| dcap3 | $25.00 | $25.00 | 12/2/2010 4:32:18 PM |
| FlexFunding | $50.00 | $50.00 | 12/2/2010 4:03:36 PM |
| unclejaef | $25.00 | $25.00 | 12/2/2010 4:03:53 PM |
| alpinaut | $25.00 | $25.00 | 12/2/2010 4:08:20 PM |
| helpishere777 | $25.00 | $25.00 | 12/2/2010 4:18:49 PM |
| money-surge1 | $25.00 | $25.00 | 12/2/2010 4:22:25 PM |
| SDNLR | $25.00 | $25.00 | 12/2/2010 4:25:24 PM |
| meenan | $25.00 | $25.00 | 12/2/2010 4:25:33 PM |
| forrestgump | $50.00 | $50.00 | 12/2/2010 4:25:43 PM |
| Cal07 | $25.00 | $25.00 | 12/2/2010 4:25:57 PM |
| financelover | $50.00 | $50.00 | 12/2/2010 4:26:15 PM |
| Mariner3605 | $25.00 | $25.00 | 12/2/2010 4:26:22 PM |
| Toby1montana | $100.00 | $100.00 | 12/2/2010 4:26:59 PM |
| dharma1 | $50.00 | $50.00 | 12/2/2010 4:27:13 PM |
| Soothsayer | $25.00 | $25.00 | 12/2/2010 4:27:43 PM |
| Sixmil | $75.00 | $75.00 | 12/2/2010 4:28:17 PM |
| green-glowing-gain | $25.00 | $25.00 | 12/2/2010 4:28:35 PM |
| authoritative-capital | $25.00 | $25.00 | 12/2/2010 4:29:29 PM |
| nimble-money0 | $50.00 | $50.00 | 12/2/2010 4:30:26 PM |
| Anny-Disco | $50.00 | $50.00 | 12/2/2010 4:32:13 PM |
| first-upright-payout | $25.00 | $25.00 | 12/2/2010 4:32:20 PM |
| cablenews | $50.00 | $50.00 | 12/2/2010 4:32:27 PM |
| penny-plato | $25.00 | $25.00 | 12/2/2010 7:38:59 PM |
| wwwUniversal | $25.00 | $25.00 | 12/3/2010 7:14:35 AM |
| secureincome | $2,500.00 | $2,500.00 | 12/3/2010 5:30:58 PM |
| Glowworm11 | $25.00 | $25.00 | 12/6/2010 4:12:58 PM |
| kinetic-truth | $25.00 | $25.00 | 12/7/2010 1:01:18 PM |
| rockytop | $63.00 | $63.00 | 12/7/2010 5:35:53 PM |
| Earnest_Money | $25.00 | $25.00 | 12/8/2010 3:06:03 PM |
| LawyerLoan | $25.00 | $25.00 | 12/8/2010 4:03:11 PM |
| enthusiastic-point | $100.00 | $100.00 | 12/8/2010 4:43:38 PM |
| Richmp412 | $25.00 | $25.00 | 12/9/2010 7:19:39 AM |
| Spiv_51 | $25.00 | $25.00 | 12/9/2010 2:16:34 AM |
| malcolmreynolds | $25.00 | $25.00 | 12/9/2010 8:19:39 AM |
| nanaof7 | $25.00 | $25.00 | 12/9/2010 10:47:38 AM |
| active-benjamins4 | $25.00 | $25.00 | 12/9/2010 11:20:25 AM |
| SteadyOne | $25.00 | $25.00 | 12/9/2010 3:55:30 PM |
| Whitewater_Loans | $25.00 | $25.00 | 12/9/2010 2:12:13 PM |
| 163 bids
|
Borrower Payment Dependent Notes Series
486513
This series of Notes was issued and sold upon the funding of the borrower loan #45818, 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:
| Dec-03-2010 |
| |
Auction end date:
| Dec-10-2010 |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $164.91 |
|
Final lender yield:
| 16.38% |
Final borrower rate/APR:
| 17.38% / 20.72% |
Final monthly payment:
| $143.37 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.20% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Feb-2003 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,118 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| gl6118 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Nov-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Paying off my student loans
Purpose of loan:
This loan will be used to? pay off my student loans and pay off my last semester of university
My financial situation:
I am a good candidate for this loan because?I am currently employed as a registered nurse and my husband of 7 years is employed as a police officer.
Monthly net income: $ 2,300.00 on my own.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Your previous prosper loan showed two delinquencies. This listing shows that you have had five delinquencies in the last seven years. Please explain. Thanks. - setUup
A:
I was going to nursing school at the time and we were down to one income. My nursing clinicals were often 1-2 hours away 3-4 days per week. It was a matter of going delinquent or quitting school. I chose to let some accounts go delinquent to pay for tuition, gasoline, and car maintenance. Once I was out of school, I paid my debts and increased my credit score as you can see.
(Dec-07-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Aberdeen | $999.99 | $204.00 | 12/3/2010 2:31:03 PM |
| simeonthewhale | $73.75 | $73.75 | 12/6/2010 10:32:44 AM |
| LittleMingo | $25.00 | $25.00 | 12/6/2010 3:40:52 PM |
| bughead | $25.00 | $25.00 | 12/6/2010 8:26:01 PM |
| fiveoptrl | $75.00 | $75.00 | 12/7/2010 8:35:30 PM |
| grammaspurse | $25.00 | $25.00 | 12/7/2010 7:02:22 PM |
| atomantic | $100.00 | $100.00 | 12/8/2010 8:38:44 AM |
| LittleMingo | $30.45 | $30.45 | 12/8/2010 9:37:43 AM |
| rockhound84 | $25.00 | $25.00 | 12/8/2010 10:57:02 PM |
| Leshan | $75.00 | $75.00 | 12/9/2010 9:30:08 AM |
| sharp518 | $50.00 | $50.00 | 12/9/2010 10:00:53 AM |
| seadogs | $25.00 | $25.00 | 12/9/2010 10:46:56 AM |
| jhouman | $25.00 | $25.00 | 12/9/2010 4:06:40 PM |
| convergentthinker | $25.00 | $25.00 | 12/9/2010 11:01:44 PM |
| Slapshot | $61.76 | $61.76 | 12/10/2010 1:47:39 AM |
| golffish2 | $100.00 | $100.00 | 12/10/2010 5:28:08 AM |
| investment-artist | $50.00 | $50.00 | 12/10/2010 7:28:26 AM |
| jlathem | $25.00 | $25.00 | 12/9/2010 6:59:05 PM |
| jsnryn | $57.19 | $57.19 | 12/10/2010 9:32:51 AM |
| mpatrick | $25.00 | $25.00 | 12/10/2010 9:35:24 AM |
| competent-p2p | $50.00 | $50.00 | 12/10/2010 7:02:22 AM |
| cloud546 | $25.00 | $25.00 | 12/10/2010 12:51:48 PM |
| Astyanax | $45.10 | $45.10 | 12/10/2010 2:05:30 PM |
| klemer | $25.00 | $25.00 | 12/10/2010 5:17:23 AM |
| KrisKringle | $30.00 | $30.00 | 12/10/2010 1:30:11 PM |
| friendinmoney | $25.00 | $25.00 | 12/10/2010 8:23:32 AM |
| blue-useful-auction | $25.00 | $25.00 | 12/10/2010 1:59:54 PM |
| Bobtep23 | $44.53 | $44.53 | 12/10/2010 11:21:26 AM |
| CreditBuilder2 | $100.00 | $100.00 | 12/10/2010 1:30:24 PM |
| principal-star | $25.00 | $25.00 | 12/10/2010 2:09:57 PM |
| MoneyForNothing | $41.87 | $41.87 | 12/3/2010 9:29:18 PM |
| vine99 | $55.00 | $55.00 | 12/4/2010 9:35:27 AM |
| loanman2007 | $200.00 | $200.00 | 12/4/2010 5:56:55 AM |
| credit-guard5 | $25.00 | $25.00 | 12/4/2010 8:06:24 AM |
| head | $25.00 | $25.00 | 12/5/2010 9:46:44 AM |
| boo_hoo | $50.00 | $50.00 | 12/5/2010 6:06:33 AM |
| cognizant-responsibility9 | $25.00 | $25.00 | 12/6/2010 8:10:51 AM |
| supreme-hope | $25.00 | $25.00 | 12/6/2010 11:55:45 AM |
| lender12345 | $25.00 | $25.00 | 12/7/2010 8:14:34 PM |
| jjb516 | $336.29 | $336.29 | 12/7/2010 6:08:24 PM |
| VonAp | $120.00 | $120.00 | 12/9/2010 7:44:28 AM |
| wlm3012 | $25.00 | $25.00 | 12/9/2010 8:10:06 AM |
| hawaii5-0 | $30.00 | $30.00 | 12/9/2010 12:42:22 AM |
| num1irish | $100.00 | $100.00 | 12/9/2010 1:03:05 PM |
| FinanceEngine | $30.00 | $30.00 | 12/9/2010 4:16:29 PM |
| Chesterite | $25.00 | $25.00 | 12/9/2010 8:38:09 PM |
| Slapshot | $200.00 | $200.00 | 12/10/2010 2:16:47 AM |
| ronin4sale | $25.00 | $25.00 | 12/10/2010 6:42:47 AM |
| SkyLoan | $25.00 | $25.00 | 12/9/2010 9:47:55 PM |
| brightest-excellent-rate | $100.00 | $100.00 | 12/10/2010 9:03:19 AM |
| marwadi-62 | $400.00 | $400.00 | 12/10/2010 10:35:09 AM |
| J1mS | $181.21 | $181.21 | 12/9/2010 4:20:59 PM |
| dudebrah | $25.00 | $25.00 | 12/10/2010 12:20:38 PM |
| martymaniaman | $36.61 | $36.61 | 12/10/2010 6:27:41 AM |
| Reliance_Banker | $25.00 | $25.00 | 12/9/2010 5:05:44 PM |
| Feyenoord | $25.00 | $25.00 | 12/9/2010 5:34:07 PM |
| Soulphoniks-Holdings | $26.24 | $26.24 | 12/10/2010 8:18:00 AM |
| friendinmoney | $25.00 | $25.00 | 12/10/2010 1:50:58 PM |
| ChoiceInvestments | $26.00 | $26.00 | 12/9/2010 10:50:28 PM |
| CPAecs | $25.00 | $25.00 | 12/10/2010 11:04:18 AM |
| p2ploan-sensation211 | $25.00 | $25.00 | 12/10/2010 1:46:03 PM |
| ptclender | $60.00 | $60.00 | 12/10/2010 1:48:32 PM |
| Nazbuster | $45.00 | $45.00 | 12/10/2010 8:39:41 AM |
| trumpeter5 | $40.00 | $40.00 | 12/10/2010 8:57:58 AM |
| lucky2 | $25.00 | $25.00 | 12/10/2010 9:44:22 AM |
| PCity-LOA15 | $25.00 | $25.00 | 12/10/2010 10:25:25 AM |
| 66 bids
|
Borrower Payment Dependent Notes Series
486757
This series of Notes was issued and sold upon the funding of the borrower loan #45803, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% |
Auction start date:
| Dec-06-2010 |
| |
Auction end date:
| Dec-09-2010 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 30.97% |
Starting monthly payment:
| $39.76 |
|
Final lender yield:
| 24.00% |
Final borrower rate/APR:
| 25.00% / 30.97% |
Final monthly payment:
| $39.76 |
| |
|
Auction yield range:
| 16.57% - 24.00% |
Estimated loss impact:
| 25.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.38% | | |
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:
| Jul-1999 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 9m |
|
Amount delinquent:
| $254 |
Total credit lines:
| 15 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,594 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| roland1 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 16 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Sep-2010)
640-659
(Mar-2010)
600-619
(May-2008)
540-559
(Apr-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Advertising and Credit Repair
I have been using prosper loans to expand my advertising and improve my credit. Please help me to continue advancing myself and my business.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| alexgalt | $50.00 | $50.00 | 12/6/2010 4:39:48 PM |
| reflective-rupee | $25.00 | $25.00 | 12/6/2010 9:39:32 PM |
| cardminger | $400.00 | $400.00 | 12/7/2010 10:59:26 AM |
| novice-speculator | $25.00 | $25.00 | 12/8/2010 1:46:19 AM |
| truth-gondola5 | $25.07 | $25.07 | 12/8/2010 8:32:00 AM |
| equitable-p2ploan8 | $25.00 | $25.00 | 12/8/2010 2:18:18 PM |
| marwadi-62 | $200.00 | $200.00 | 12/8/2010 3:09:11 PM |
| tsoprano | $29.40 | $29.40 | 12/9/2010 7:20:00 AM |
| competent-p2p | $40.00 | $40.00 | 12/9/2010 7:17:50 AM |
| pioneer580 | $30.00 | $27.23 | 12/9/2010 8:10:50 PM |
| supreme-hope | $25.00 | $25.00 | 12/6/2010 8:57:23 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/7/2010 5:35:11 PM |
| donlenboy | $53.30 | $53.30 | 12/8/2010 6:31:04 AM |
| nilonc1 | $50.00 | $50.00 | 12/8/2010 12:19:16 PM |
| 14 bids
|
Borrower Payment Dependent Notes Series
486887
This series of Notes was issued and sold upon the funding of the borrower loan #45910, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Dec-06-2010 |
| |
Auction end date:
| Dec-09-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 41.36% |
Final monthly payment:
| $45.24 |
| |
|
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:
| Apr-1997 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 5y 9m |
|
Amount delinquent:
| $6,237 |
Total credit lines:
| 9 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dysprosium |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
To pay off credit card debt and rebuild credit.
My financial situation:
I have good income and I will have no problem paying off this loan.
Monthly net income: $ 5500
Monthly expenses: $?1730
??Housing: $ 650
??Insurance: $ 200
??Car expenses: $ 50
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 180
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| money-bauble | $25.00 | $25.00 | 12/6/2010 4:24:07 PM |
| graceful-investment | $100.00 | $100.00 | 12/6/2010 4:02:46 PM |
| reflective-rupee | $100.00 | $100.00 | 12/6/2010 8:22:50 PM |
| visionary-currency | $25.00 | $25.00 | 12/6/2010 5:18:21 PM |
| ASR3 | $25.00 | $25.00 | 12/7/2010 2:41:28 PM |
| britches613 | $75.00 | $75.00 | 12/7/2010 9:33:04 PM |
| economy-synapse | $50.00 | $50.00 | 12/7/2010 10:16:15 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/7/2010 5:35:45 PM |
| commerce-stronghold | $50.00 | $50.00 | 12/8/2010 7:11:15 AM |
| MilitaryLending | $25.00 | $25.00 | 12/9/2010 10:51:40 AM |
| CoffeeKing | $115.00 | $115.00 | 12/9/2010 9:01:59 AM |
| nekbet | $25.00 | $25.00 | 12/9/2010 10:11:35 AM |
| alexgalt | $50.00 | $50.00 | 12/6/2010 4:46:23 PM |
| Artist_Blue | $25.00 | $25.00 | 12/6/2010 4:49:43 PM |
| Redmond | $25.00 | $25.00 | 12/6/2010 4:50:47 PM |
| alexgalt | $25.00 | $25.00 | 12/6/2010 9:48:52 PM |
| worthy-bid8 | $25.00 | $25.00 | 12/7/2010 12:45:18 PM |
| kulender | $44.88 | $44.88 | 12/7/2010 10:52:07 AM |
| tech310 | $25.00 | $25.00 | 12/7/2010 2:40:00 PM |
| paytonbrigadier | $150.00 | $140.12 | 12/7/2010 5:55:16 PM |
| 20 bids
|
Borrower Payment Dependent Notes Series
486949
This series of Notes was issued and sold upon the funding of the borrower loan #45916, 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:
| Dec-06-2010 |
| |
Auction end date:
| Dec-07-2010 |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $206.14 |
|
Final lender yield:
| 26.75% |
Final borrower rate/APR:
| 27.75% / 31.31% |
Final monthly payment:
| $206.14 |
| |
|
Auction yield range:
| 10.51% - 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:
| Jul-1997 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 640-659 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 22y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,659 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Shark1056 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Sep-2010)
640-659
(Aug-2010)
660-679
(Sep-2009)
660-679
(Aug-2009)
|
|
Principal balance:
| $2,470.09 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Debt consolidation and used car
Purpose of loan:
This loan will be used to? Consolidate my credit cards down to one payment and to buy a used car for my daughter who is in college...
My financial situation:
I am a good candidate for this loan because? I will be paying off over $600 a? month in payments and putting them all into one payment.? I have had my first prosper loan over a year with all payments on time.? I am trying to consolidate debt so I can help my 2 children with their college tuitions and books.? My family and I would greatly appreciate you to consider us for your investment.? We would rather pay our peers on Prosper then give the money to large financial institutions.? Thank you for your time.
Monthly net income: $ 6200????
Monthly expenses: $ 3000
??Housing: $ 1250
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 180
??Phone, cable, internet: $ 70
??Food, entertainment: $ 400
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 450
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| integrity-liberator | $50.00 | $50.00 | 12/6/2010 3:59:59 PM |
| Tikibarman | $100.00 | $100.00 | 12/6/2010 4:04:50 PM |
| fair-peace7 | $25.00 | $25.00 | 12/6/2010 3:48:49 PM |
| visionary-currency | $50.00 | $50.00 | 12/6/2010 3:52:42 PM |
| dollardave | $50.00 | $50.00 | 12/6/2010 4:04:26 PM |
| unforgettable-order9 | $50.00 | $50.00 | 12/6/2010 3:49:26 PM |
| hopeful-truth5 | $100.00 | $100.00 | 12/6/2010 4:41:30 PM |
| ASR3 | $25.00 | $25.00 | 12/6/2010 4:42:55 PM |
| Aragorn | $25.00 | $25.00 | 12/6/2010 3:57:41 PM |
| DonaldColorado | $50.00 | $50.00 | 12/6/2010 4:44:45 PM |
| Artist_Blue | $25.00 | $25.00 | 12/6/2010 4:49:16 PM |
| lendstats_com | $200.00 | $200.00 | 12/6/2010 4:04:04 PM |
| handshake5 | $100.00 | $100.00 | 12/6/2010 4:51:54 PM |
| Thylow | $25.00 | $25.00 | 12/6/2010 4:09:27 PM |
| vigorous-velocity | $50.00 | $50.00 | 12/6/2010 5:00:56 PM |
| graceful-investment | $100.00 | $100.00 | 12/6/2010 4:21:42 PM |
| bid-czar8 | $100.00 | $100.00 | 12/6/2010 4:45:35 PM |
| money-bauble | $25.00 | $25.00 | 12/6/2010 4:23:51 PM |
| diplomatic-wealth7 | $25.00 | $25.00 | 12/6/2010 4:46:13 PM |
| commerce-yeller | $25.00 | $25.00 | 12/6/2010 5:00:34 PM |
| simplelender80 | $100.00 | $100.00 | 12/6/2010 4:43:30 PM |
| secureincome | $2,000.00 | $2,000.00 | 12/6/2010 7:22:52 PM |
| SDNLR | $33.26 | $33.26 | 12/6/2010 7:46:52 PM |
| Redmond | $25.00 | $25.00 | 12/6/2010 4:51:12 PM |
| reflective-rupee | $25.00 | $25.00 | 12/6/2010 8:13:29 PM |
| building_community | $50.00 | $50.00 | 12/6/2010 6:48:27 PM |
| israel15 | $25.00 | $25.00 | 12/6/2010 11:18:38 PM |
| responsive-rate884 | $50.00 | $50.00 | 12/6/2010 11:48:23 PM |
| brother_tam | $50.00 | $50.00 | 12/6/2010 6:48:48 PM |
| GElender | $50.00 | $50.00 | 12/6/2010 6:53:02 PM |
| vacaerol | $25.00 | $25.00 | 12/6/2010 11:48:25 PM |
| dlg | $25.25 | $25.25 | 12/6/2010 11:51:31 PM |
| vigorous-moola | $36.00 | $36.00 | 12/6/2010 7:25:53 PM |
| 108lender | $96.27 | $46.51 | 12/7/2010 4:59:11 AM |
| bountiful-durability | $33.26 | $33.26 | 12/6/2010 10:51:32 PM |
| rhightower003 | $25.00 | $25.00 | 12/6/2010 11:48:26 PM |
| reflective-rupee | $75.00 | $75.00 | 12/7/2010 4:21:14 AM |
| credit-investor5 | $25.00 | $25.00 | 12/6/2010 3:54:13 PM |
| kulender | $50.00 | $50.00 | 12/6/2010 4:48:28 PM |
| the-dollar-topper | $100.00 | $100.00 | 12/6/2010 4:54:25 PM |
| all_of_that_one | $25.00 | $25.00 | 12/6/2010 4:07:15 PM |
| soulful-truth | $25.00 | $25.00 | 12/6/2010 5:41:32 PM |
| ichibon | $50.00 | $50.00 | 12/6/2010 4:49:07 PM |
| worthy-bid8 | $50.00 | $50.00 | 12/6/2010 4:52:53 PM |
| symbiosis | $50.00 | $50.00 | 12/6/2010 4:59:56 PM |
| economy-synapse | $25.00 | $25.00 | 12/6/2010 6:52:24 PM |
| finance-prescription | $100.00 | $100.00 | 12/6/2010 4:43:40 PM |
| whartonmba | $25.00 | $25.00 | 12/6/2010 5:26:54 PM |
| Mrgiggleswic | $25.00 | $25.00 | 12/6/2010 6:54:15 PM |
| WiseInvestments | $25.00 | $25.00 | 12/6/2010 5:01:35 PM |
| alexgalt | $25.00 | $25.00 | 12/6/2010 9:50:50 PM |
| Rdodson11 | $25.00 | $25.00 | 12/6/2010 5:16:57 PM |
| asset-professor | $50.00 | $50.00 | 12/6/2010 11:48:22 PM |
| Share_The_Wealth | $49.77 | $49.77 | 12/6/2010 11:49:24 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/7/2010 3:59:24 AM |
| impeccable-transparency | $150.00 | $150.00 | 12/7/2010 4:15:31 AM |
| transparency-burger | $25.00 | $25.00 | 12/6/2010 8:52:06 PM |
| supreme-hope | $25.00 | $25.00 | 12/6/2010 9:00:25 PM |
| Brent299 | $50.00 | $50.00 | 12/6/2010 10:46:42 PM |
| gjh37 | $25.95 | $25.95 | 12/6/2010 11:34:20 PM |
| shrewd-peace7 | $25.00 | $25.00 | 12/6/2010 11:48:24 PM |
| raisingophelia | $25.00 | $25.00 | 12/6/2010 7:06:32 PM |
| tearsnstone | $25.00 | $25.00 | 12/7/2010 4:51:43 AM |
| SacramentoLoaners | $25.00 | $25.00 | 12/6/2010 11:48:16 PM |
| 64 bids
|
Borrower Payment Dependent Notes Series
486955
This series of Notes was issued and sold upon the funding of the borrower loan #45812, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,300.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 4.95% |
Auction start date:
| Dec-06-2010 |
| |
Auction end date:
| Dec-07-2010 |
|
|
Starting lender yield:
| 12.40% |
Starting borrower rate/APR:
| 13.40% / 15.74% |
Starting monthly payment:
| $77.94 |
|
Final lender yield:
| 11.65% |
Final borrower rate/APR:
| 12.65% / 14.98% |
Final monthly payment:
| $77.11 |
| |
|
Auction yield range:
| 5.51% - 12.40% |
Estimated loss impact:
| 5.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 35y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 | Stated income: | $1-$24,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $655 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sundaepacket2 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2010)
660-679
(Oct-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
New dental partial,Gasrange fridge,
Purpose of loan:
This loan will be used to ..purchase dental partial,refrigerator,gas range
my spouse's upper dental relined.
My financial situation:
I am a good candidate for this loan because? My wife and I are retiered, and veterans,with fixed incomes.
Monthly net income: $ 2284.00
Monthly expenses: $
??Housing: $ 462.20
??Insurance: $ 0
??Car expenses: $ 25.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 112.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 120.00
??Credit cards and other loans: $ 143.21
??Other expenses: $ 75.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Aberdeen | $999.99 | $999.99 | 12/6/2010 4:54:30 PM |
| setUup | $50.00 | $50.00 | 12/7/2010 4:14:41 AM |
| secureincome | $2,000.00 | $1,170.01 | 12/6/2010 7:22:38 PM |
| thankful-nickel2 | $25.00 | $25.00 | 12/6/2010 6:21:08 PM |
| hidavehi | $55.00 | $55.00 | 12/6/2010 7:00:29 PM |
| 5 bids
|
Borrower Payment Dependent Notes Series
487027
This series of Notes was issued and sold upon the funding of the borrower loan #45903, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.55% |
Auction start date:
| Dec-07-2010 |
| |
Auction end date:
| Dec-08-2010 |
|
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 8.34% |
Starting monthly payment:
| $62.67 |
|
Final lender yield:
| 6.49% |
Final borrower rate/APR:
| 7.49% / 7.83% |
Final monthly payment:
| $62.20 |
| |
|
Auction yield range:
| 2.51% - 7.00% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.94% | | |
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):
| 10 |
First credit line:
| Mar-1983 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 14y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $135,590 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| immaculate-wampum1 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off items and purchase christma
Purpose of loan:
This loan will be used to pay off gravel purchased for our driveway in addition to buying some Christmas presents.? We have 4 grandchildren and our driveway was flooded out in the May flood.? We had to purchase 5 loads of gravel (we have a long driveway).
My financial situation:
I am a good candidate for this loan because I have owned my home since 1994 and I have been employed at the same location since 1996.? I am hardworking and dependable.? I have about 15 employees I manage and do not plan to go anywhere.? I will be retiring from my current employer.? Therefore, I plan to be there for several more years and that will assure repayment.? A payment of approximately $63 I will have no problem meeting this obligation.
Thank you for any assistance you could give me.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Hondo | $25.00 | $25.00 | 12/7/2010 3:22:31 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 12/7/2010 3:26:23 PM |
| a-shiny-dime | $25.00 | $25.00 | 12/7/2010 3:10:52 PM |
| secureincome | $2,000.00 | $1,775.00 | 12/7/2010 3:30:59 PM |
| exchange-squirrel | $25.00 | $25.00 | 12/7/2010 3:25:41 PM |
| direct-social3 | $50.00 | $50.00 | 12/7/2010 3:01:29 PM |
| j2ee | $25.00 | $25.00 | 12/7/2010 3:25:35 PM |
| penny-plato | $25.00 | $25.00 | 12/7/2010 5:55:50 PM |
| tomjac2000 | $25.00 | $25.00 | 12/7/2010 7:06:15 PM |
| 9 bids
|