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
371287
This series of Notes was issued and sold upon the funding of the borrower loan #38046, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction start date:
| Jul-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Jul-20-2009 |
|
|
Starting lender yield:
| 26.17% |
Starting borrower rate/APR:
| 27.17% / 29.77% |
Starting monthly payment:
| $61.37 |
|
Final lender yield:
| 23.90% |
Final borrower rate/APR:
| 24.90% / 27.47% |
Final monthly payment:
| $59.56 |
| |
|
Auction yield range:
| 11.27% - 26.17% |
Estimated loss impact:
| 10.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.31% | | |
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:
| 7 |
First credit line:
| Mar-1998 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 10
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,160 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 54% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 6 | | | | |
|
Screen name:
| catcatny |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(Sep-2007)
|
|
Principal balance:
| $1,896.37 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
visiting family in California
Purpose of loan: The last time i saw and visited family in California was X-mas 2007. Just got caught up with life and making sacrifices and prioritizing. I have a week vacation from my work now and it would be nice to go on a trip to California and stay the week without worrying about spending and not making payments on bills.
My financial situation: I'm a good candidate for this loan just cause I believe that my plan is realistic. I have great credit and I previously had a loan for 4000 in re-payment at the moment - payment always on time.
Monthly net income: $ 3000 (lower average amount)
I currently work 2 jobs; 1 in design where I make 35,000 annually - paycheck every 2 weeks of 940, and I work Friday and Saturday nights in a restaurant where my average weekend income is $300 to $500.
Monthly expenses:
$ Housing: $ 1,100
Insurance: is covered by my company
Car expenses: 0 - I don't have a car
Utilities: $ 100
Phone, cable, internet: $ 150 cell and internet
Food, entertainment: $ 200
Clothing, household expenses $ 100
Credit cards and other loans: $ 1100 (this is for all my credit cards, prosper and student loans, I pay more if I have extra money)
Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| NATIVEBORN | $25.00 | $25.00 | 7/17/2009 4:11:10 PM |
| SNH | $25.00 | $25.00 | 7/17/2009 4:11:36 PM |
| seisen | $50.00 | $50.00 | 7/17/2009 4:11:03 PM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 4:17:38 PM |
| Jaoe | $250.00 | $250.00 | 7/17/2009 6:58:22 PM |
| mydreamsagain | $25.00 | $25.00 | 7/17/2009 7:41:44 PM |
| foothillender | $25.00 | $25.00 | 7/18/2009 7:13:16 AM |
| AAe | $25.00 | $25.00 | 7/18/2009 10:11:05 AM |
| FeedTheMachine | $50.00 | $50.00 | 7/18/2009 2:21:58 PM |
| IPG1 | $50.00 | $50.00 | 7/19/2009 10:54:30 AM |
| thedreamer | $25.00 | $25.00 | 7/19/2009 11:53:18 AM |
| whois-JohnGalt | $25.00 | $25.00 | 7/19/2009 5:43:56 PM |
| pfenness | $60.00 | $60.00 | 7/20/2009 2:56:55 AM |
| Bank-Of-David | $50.00 | $50.00 | 7/20/2009 4:00:04 AM |
| MapleLaker | $25.00 | $25.00 | 7/20/2009 10:03:40 AM |
| drmoney11 | $25.00 | $25.00 | 7/20/2009 9:53:52 AM |
| Climbingcoby | $75.00 | $25.70 | 7/20/2009 10:14:45 AM |
| ali82 | $50.00 | $50.00 | 7/20/2009 10:50:24 AM |
| sk8ndive | $25.00 | $25.00 | 7/17/2009 4:14:41 PM |
| mrzz | $25.00 | $25.00 | 7/17/2009 4:13:49 PM |
| MicroPod | $25.00 | $25.00 | 7/17/2009 4:14:08 PM |
| gilbow | $25.00 | $25.00 | 7/17/2009 4:17:14 PM |
| LAM26 | $25.00 | $25.00 | 7/17/2009 6:57:35 PM |
| mercuriant | $25.00 | $25.00 | 7/17/2009 7:01:38 PM |
| TrustinOthers | $25.00 | $25.00 | 7/17/2009 7:47:52 PM |
| realtormoises | $25.00 | $25.00 | 7/18/2009 5:43:39 AM |
| Sparchange | $39.30 | $39.30 | 7/18/2009 12:10:42 AM |
| SKAGIT22 | $25.00 | $25.00 | 7/18/2009 12:40:25 PM |
| compsciman | $50.00 | $50.00 | 7/18/2009 5:37:11 PM |
| Breakfast_Gypsy | $50.00 | $50.00 | 7/18/2009 5:49:32 PM |
| Tolipwen | $50.00 | $50.00 | 7/19/2009 9:26:57 AM |
| IPG1 | $25.00 | $25.00 | 7/19/2009 10:37:54 AM |
| Midg | $25.00 | $25.00 | 7/19/2009 1:16:39 PM |
| infomas | $50.00 | $50.00 | 7/19/2009 2:34:34 PM |
| csak13 | $25.00 | $25.00 | 7/19/2009 3:55:57 PM |
| dannyboy_997 | $50.00 | $50.00 | 7/20/2009 7:08:47 AM |
| benrice | $25.00 | $25.00 | 7/20/2009 8:12:55 AM |
| Bikerider | $50.00 | $50.00 | 7/20/2009 9:10:17 AM |
| 38 bids
|