Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 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 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
Borrower Payment Dependent Notes Series
416650
This series of Notes was issued and sold upon the funding of the borrower loan #38051, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,600.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-16-2009 |
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction end date:
| Jul-16-2009 |
|
|
Starting lender yield:
| 19.67% |
Starting borrower rate/APR:
| 20.67% / 22.92% |
Starting monthly payment:
| $97.52 |
|
Final lender yield:
| 19.65% |
Final borrower rate/APR:
| 20.65% / 22.90% |
Final monthly payment:
| $97.49 |
| |
|
Auction yield range:
| 8.27% - 19.67% |
Estimated loss impact:
| 8.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.19% | | |
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 above 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:
| 8 |
First credit line:
| Nov-1988 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 36 | Length of status: | 8y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $210 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 6% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 14 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| educator4life |
Borrower's state:
| California |
Borrower's group:
| Worldpower Investments |
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:
| 21 ( 100% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 0
( 0% )
| 560-580
(Jul-2007)
540-560
(Jun-2007)
540-560
(May-2007)
540-560
(Apr-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Need Help with the Unexpected
Purpose of loan:
It is a wonderful feeling to be able to get ahead but there is always something that happens and gets you behind again. I was able to pay off all of my debt and then I needed car repairs. Car repairs are never inexpensive or timely and so here I am again.
My financial situation:
The main reason that I would be a good candidate for this loan is because I am employed, my check is automatically deposited into my bank account and the loan payment will be deducted directly from my account. I was also able to pay off my previous Prosper Loan in excellent standing.
Monthly net income: $ 4900
Monthly expenses: Housing: $ 1300
Insurance: $ Auto $261/Renters $30/Life $85
Car expenses: $ Car Payment $400/Gas $200
Utilities: $ $320 (Gas, Electricity, Water, Trash)
Phone, cable, internet: $ 170
Food, entertainment: $ 600
Clothing, household expenses $ 200
Credit cards and other loans: $ 300
Other expenses: $ 700
_________________________
Total Expenses: $4566
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) |
|
| anton | $25.00 | $25.00 | 7/16/2009 3:04:00 PM |
| lepolgr | $50.00 | $50.00 | 7/16/2009 3:04:19 PM |
| chlebie | $25.00 | $25.00 | 7/16/2009 3:06:00 PM |
| Cbgator | $25.00 | $25.00 | 7/16/2009 3:06:29 PM |
| kegs | $250.00 | $250.00 | 7/16/2009 3:04:53 PM |
| bulabula | $25.00 | $25.00 | 7/16/2009 3:05:03 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/16/2009 3:05:19 PM |
| DaveLender | $25.00 | $25.00 | 7/16/2009 3:06:34 PM |
| tlp43 | $25.00 | $25.00 | 7/16/2009 3:03:51 PM |
| ibuystk | $50.00 | $50.00 | 7/16/2009 3:09:30 PM |
| jbarron | $25.00 | $25.00 | 7/16/2009 3:08:31 PM |
| fund-virtuoso | $25.00 | $25.00 | 7/16/2009 3:09:36 PM |
| Lender0424 | $25.00 | $25.00 | 7/16/2009 3:04:11 PM |
| fotep-financial | $25.00 | $25.00 | 7/16/2009 3:04:15 PM |
| MBIntl | $25.00 | $25.00 | 7/16/2009 3:09:48 PM |
| taylor883 | $25.00 | $25.00 | 7/16/2009 3:09:12 PM |
| 888168 | $25.00 | $25.00 | 7/16/2009 3:10:22 PM |
| Tavita | $25.00 | $25.00 | 7/16/2009 3:11:32 PM |
| loiosh | $25.00 | $25.00 | 7/16/2009 3:06:17 PM |
| ualf | $50.00 | $50.00 | 7/16/2009 3:10:40 PM |
| Carpetkid | $25.00 | $25.00 | 7/16/2009 3:11:51 PM |
| mydreamsagain | $50.00 | $50.00 | 7/16/2009 3:12:08 PM |
| Haydendover | $25.00 | $25.00 | 7/16/2009 3:07:14 PM |
| pksfunds | $50.00 | $50.00 | 7/16/2009 3:08:18 PM |
| Trojan1976 | $25.00 | $25.00 | 7/16/2009 3:11:37 PM |
| Weaverville | $75.00 | $75.00 | 7/16/2009 3:13:20 PM |
| funtwosay | $25.00 | $25.00 | 7/16/2009 3:11:57 PM |
| pbo922 | $25.00 | $25.00 | 7/16/2009 3:12:01 PM |
| roxon | $25.00 | $25.00 | 7/16/2009 3:10:54 PM |
| Artist_Blue | $25.00 | $25.00 | 7/16/2009 3:11:20 PM |
| cropdust3r | $25.00 | $25.00 | 7/16/2009 3:14:03 PM |
| jstefans | $25.00 | $25.00 | 7/16/2009 3:13:38 PM |
| WeshaTheLeopard | $25.00 | $25.00 | 7/16/2009 5:47:31 PM |
| ilend57 | $25.00 | $25.00 | 7/16/2009 5:06:30 PM |
| salala | $25.00 | $25.00 | 7/16/2009 3:04:34 PM |
| PatRichi | $25.00 | $25.00 | 7/16/2009 3:04:41 PM |
| nicklds | $50.00 | $50.00 | 7/16/2009 3:05:28 PM |
| rmachi | $25.00 | $25.00 | 7/16/2009 3:05:49 PM |
| twohorn | $25.00 | $25.00 | 7/16/2009 3:06:13 PM |
| ah-long | $25.00 | $25.00 | 7/16/2009 3:07:43 PM |
| tillit | $25.00 | $25.00 | 7/16/2009 3:06:55 PM |
| Cubsfan07 | $25.00 | $25.00 | 7/16/2009 3:07:27 PM |
| nodrivelpls | $25.00 | $25.00 | 7/16/2009 3:07:50 PM |
| dunedin | $25.00 | $25.00 | 7/16/2009 3:07:55 PM |
| BusyAgent | $25.00 | $25.00 | 7/16/2009 3:08:03 PM |
| AdamClemSC | $25.00 | $25.00 | 7/16/2009 3:08:09 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/16/2009 3:09:00 PM |
| namisguy | $25.00 | $25.00 | 7/16/2009 3:10:29 PM |
| larrybird | $250.00 | $250.00 | 7/16/2009 3:05:37 PM |
| hopethisworks | $50.00 | $50.00 | 7/16/2009 3:06:07 PM |
| RationalWorld | $25.00 | $25.00 | 7/16/2009 3:06:45 PM |
| SNH | $25.00 | $25.00 | 7/16/2009 3:07:01 PM |
| linklady | $25.00 | $25.00 | 7/16/2009 3:07:37 PM |
| Cre8iveCash | $25.00 | $25.00 | 7/16/2009 3:11:43 PM |
| Panitza | $100.00 | $100.00 | 7/16/2009 3:13:56 PM |
| GElender | $50.00 | $25.00 | 7/16/2009 3:14:09 PM |
| figs4u2 | $200.00 | $200.00 | 7/16/2009 3:10:00 PM |
| ahalls | $25.00 | $25.00 | 7/16/2009 3:10:05 PM |
| TennSquire | $25.00 | $25.00 | 7/16/2009 3:12:52 PM |
| Lender0010 | $25.00 | $25.00 | 7/16/2009 4:54:30 PM |
| ilend57 | $25.00 | $25.00 | 7/16/2009 5:00:57 PM |
| RKLFinancial | $100.00 | $100.00 | 7/16/2009 5:12:50 PM |
| 62 bids
|