Sales Report:Supplement No. 10 dated Aug 04, 2009 to Prospectus dated Jul 13, 2009File 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 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.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
416299
This series of Notes was issued and sold upon the funding of the borrower loan #38085, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| B |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 15.97% |
Starting borrower rate/APR:
| 16.97% / 19.17% |
Starting monthly payment:
| $285.10 |
|
Final lender yield:
| 12.00% |
Final borrower rate/APR:
| 13.00% / 15.14% |
Final monthly payment:
| $269.55 |
| |
|
Auction yield range:
| 6.27% - 15.97% |
Estimated loss impact:
| 5.20% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.80% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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:
| Mar-2000 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 15
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $18,017 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 43% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| seeleca |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(Apr-2009)
700-720
(May-2008)
|
|
Principal balance:
| $5,439.18 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Tieing the knot!
Purpose of loan:
This loan will be used to consolidate debt and help me to focus on paying for our wedding this October!
My financial situation:
I am a good candidate for this loan because I have never missed a payment, and because I would like to streamline monthly payments.
Monthly net income: $ 3800
Monthly expenses: $
Housing: $
1200
Insurance: $
100
Car expenses: $ 50
Utilities: $ 100
Phone, cable, internet: $ 40
Food, entertainment: $ 300
Clothing, household expenses $ 50
Credit cards and other loans: $ 550
Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| exxondude | $107.55 | $107.55 | 7/14/2009 11:41:42 AM |
| phersjm | $50.00 | $50.00 | 7/14/2009 7:18:58 PM |
| ookamikun | $106.00 | $106.00 | 7/14/2009 7:50:47 PM |
| engbusres | $50.00 | $50.00 | 7/14/2009 8:11:19 PM |
| money-engine | $50.00 | $50.00 | 7/14/2009 8:30:57 PM |
| wdjnm | $100.00 | $100.00 | 7/15/2009 5:12:24 AM |
| LeoBUSIIT | $25.00 | $25.00 | 7/15/2009 8:23:09 AM |
| tryitout | $100.00 | $100.00 | 7/15/2009 6:00:52 AM |
| Cbank05 | $50.00 | $50.00 | 7/15/2009 3:18:22 PM |
| LakeShoreLending | $25.00 | $25.00 | 7/15/2009 7:00:15 PM |
| QGuy | $50.00 | $50.00 | 7/16/2009 12:21:45 AM |
| Imperativity | $54.44 | $54.44 | 7/16/2009 12:23:22 AM |
| otalon | $50.00 | $50.00 | 7/16/2009 7:34:04 AM |
| carpediem27 | $40.00 | $40.00 | 7/16/2009 2:46:20 PM |
| Lender0010 | $50.00 | $50.00 | 7/16/2009 3:35:10 PM |
| valemic | $50.00 | $50.00 | 7/16/2009 7:10:38 PM |
| kulender | $50.00 | $50.00 | 7/16/2009 8:27:48 PM |
| JBCR | $100.00 | $100.00 | 7/16/2009 7:03:49 PM |
| charb57 | $100.00 | $100.00 | 7/17/2009 5:57:55 AM |
| scloans | $41.00 | $41.00 | 7/17/2009 4:02:19 AM |
| martymaniaman | $25.00 | $25.00 | 7/17/2009 6:07:38 AM |
| outofoffice | $50.00 | $50.00 | 7/17/2009 12:37:41 PM |
| IceFisherman | $25.00 | $25.00 | 7/17/2009 1:06:37 PM |
| epall | $50.00 | $50.00 | 7/19/2009 4:10:46 PM |
| rockhound84 | $25.00 | $25.00 | 7/19/2009 2:17:24 PM |
| csak13 | $25.00 | $25.00 | 7/19/2009 3:58:02 PM |
| dmk2006 | $50.00 | $50.00 | 7/19/2009 8:20:02 PM |
| uralrider | $25.00 | $25.00 | 7/20/2009 11:03:56 AM |
| Imperativity | $26.55 | $26.55 | 7/20/2009 12:59:59 PM |
| AttyMatty | $25.00 | $25.00 | 7/20/2009 2:25:50 PM |
| jchurchi | $50.00 | $50.00 | 7/20/2009 3:08:33 PM |
| kunger | $25.00 | $25.00 | 7/20/2009 3:04:33 PM |
| MrCoffee | $50.00 | $50.00 | 7/20/2009 9:51:38 PM |
| Snoopylover | $25.00 | $25.00 | 7/21/2009 9:33:10 AM |
| whitebalcony | $25.00 | $25.00 | 7/21/2009 9:37:23 AM |
| Princpaul | $50.00 | $50.00 | 7/21/2009 11:45:52 AM |
| Ast24 | $50.00 | $50.00 | 7/21/2009 9:43:46 AM |
| fairgirl | $25.00 | $25.00 | 7/21/2009 10:29:16 AM |
| azali | $25.00 | $25.00 | 7/21/2009 1:33:58 PM |
| eretro | $100.00 | $100.00 | 7/21/2009 12:45:24 PM |
| mpatrick | $100.00 | $100.00 | 7/21/2009 2:09:24 PM |
| bterran1 | $25.00 | $25.00 | 7/21/2009 9:38:02 PM |
| GGWC | $50.00 | $50.00 | 7/22/2009 5:01:48 AM |
| CSAworker | $25.00 | $25.00 | 7/22/2009 11:57:04 AM |
| kahekili | $25.00 | $25.00 | 7/22/2009 12:24:22 PM |
| salegalaxy | $50.00 | $50.00 | 7/23/2009 8:00:39 AM |
| WeshaTheLeopard | $25.00 | $25.00 | 7/23/2009 7:55:21 PM |
| Leshan | $50.00 | $50.00 | 7/24/2009 7:12:15 AM |
| ccapital | $100.00 | $100.00 | 7/24/2009 7:40:33 AM |
| money-expert | $50.00 | $50.00 | 7/24/2009 12:08:22 PM |
| spiff666 | $50.00 | $50.00 | 7/24/2009 8:44:18 PM |
| a2190b | $72.00 | $72.00 | 7/24/2009 7:21:00 PM |
| nevetsnosliw1 | $25.00 | $25.00 | 7/24/2009 9:49:29 PM |
| us957165 | $25.00 | $25.00 | 7/24/2009 7:04:47 PM |
| Argonaut | $29.01 | $29.01 | 7/25/2009 12:18:46 PM |
| sperk50286 | $28.02 | $28.02 | 7/25/2009 1:02:56 PM |
| sunnysally | $50.00 | $50.00 | 7/25/2009 11:19:59 AM |
| Tahoe | $59.44 | $59.44 | 7/26/2009 5:36:23 AM |
| VitaminFunk | $25.00 | $25.00 | 7/26/2009 2:50:16 PM |
| mushroomhunter | $50.00 | $50.00 | 7/26/2009 3:20:43 PM |
| myrddraal | $25.00 | $25.00 | 7/26/2009 2:53:03 PM |
| Ray3486 | $25.00 | $25.00 | 7/27/2009 5:44:39 AM |
| cathexis | $300.00 | $300.00 | 7/27/2009 8:55:36 AM |
| illini08actuary | $25.00 | $25.00 | 7/27/2009 9:49:14 AM |
| DaddyBill | $25.00 | $25.00 | 7/27/2009 10:15:20 AM |
| DackoDenk | $25.00 | $25.00 | 7/27/2009 11:26:23 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/27/2009 12:16:57 PM |
| drluong | $50.00 | $50.00 | 7/27/2009 1:55:59 PM |
| myduck | $75.00 | $75.00 | 7/27/2009 3:03:24 PM |
| brutusbone | $50.00 | $50.00 | 7/27/2009 4:58:28 PM |
| Syzygy | $25.00 | $25.00 | 7/27/2009 7:23:15 PM |
| johnnypop | $69.79 | $69.79 | 7/27/2009 7:15:15 PM |
| Tizzo27 | $100.00 | $100.00 | 7/27/2009 5:53:28 PM |
| maga | $50.00 | $50.00 | 7/27/2009 9:00:30 PM |
| statistics | $100.00 | $100.00 | 7/27/2009 7:07:18 PM |
| Eshadowzzz | $50.00 | $50.00 | 7/28/2009 4:56:35 AM |
| Pod1313 | $25.00 | $25.00 | 7/28/2009 5:23:56 AM |
| Marco83 | $50.00 | $50.00 | 7/28/2009 6:07:04 AM |
| Kash2010lu | $25.00 | $25.00 | 7/27/2009 11:07:34 PM |
| FundMaker | $25.00 | $25.00 | 7/28/2009 8:12:35 AM |
| availableloan | $25.00 | $25.00 | 7/28/2009 9:03:14 AM |
| lender73w | $75.00 | $75.00 | 7/28/2009 8:05:25 AM |
| Pu239 | $50.00 | $50.00 | 7/28/2009 8:11:33 AM |
| curious166 | $100.00 | $100.00 | 7/28/2009 8:40:45 AM |
| Kash2010lu | $25.00 | $25.00 | 7/28/2009 9:13:37 AM |
| mlaner92 | $25.00 | $25.00 | 7/28/2009 11:09:22 AM |
| gpuck | $25.00 | $25.00 | 7/14/2009 11:34:37 AM |
| IWANT2HELP | $25.00 | $25.00 | 7/14/2009 1:05:50 PM |
| Flying_Tilapia | $50.00 | $50.00 | 7/14/2009 1:24:37 PM |
| Eaglehigh | $25.00 | $25.00 | 7/14/2009 6:05:10 PM |
| Nickel8 | $25.00 | $25.00 | 7/14/2009 7:20:03 PM |
| Cherrypicker | $43.58 | $43.58 | 7/15/2009 11:28:20 AM |
| Skeeve42 | $80.00 | $80.00 | 7/15/2009 8:12:22 PM |
| Kelor99 | $50.00 | $50.00 | 7/15/2009 7:36:40 PM |
| stonehillloans | $50.00 | $50.00 | 7/16/2009 4:50:10 AM |
| edsmoney | $100.00 | $100.00 | 7/16/2009 6:09:28 AM |
| Tahoeman | $50.00 | $50.00 | 7/16/2009 7:32:21 AM |
| planky | $100.00 | $100.00 | 7/16/2009 10:19:55 AM |
| giannyny | $200.00 | $200.00 | 7/16/2009 7:26:13 AM |
| Jonathan_E | $100.00 | $100.00 | 7/16/2009 12:37:01 PM |
| Thadeus | $50.00 | $50.00 | 7/16/2009 1:27:50 PM |
| help4u | $150.00 | $150.00 | 7/16/2009 2:58:30 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/16/2009 4:17:28 PM |
| jmart30702 | $25.00 | $25.00 | 7/16/2009 7:40:53 PM |
| teachermrb | $76.25 | $76.25 | 7/16/2009 8:29:14 PM |
| Malkial | $50.00 | $50.00 | 7/17/2009 12:57:21 AM |
| Rustang | $50.00 | $50.00 | 7/17/2009 7:15:26 AM |
| stonybrookimports | $40.00 | $40.00 | 7/17/2009 10:40:18 PM |
| SafeSaxa | $75.00 | $75.00 | 7/18/2009 8:01:31 AM |
| edts13 | $25.00 | $25.00 | 7/18/2009 8:06:54 AM |
| LarryNY | $25.00 | $0.75 | 7/18/2009 2:46:49 AM |
| statenisland51 | $25.00 | $25.00 | 7/18/2009 4:50:10 PM |
| ESPX12401 | $25.00 | $25.00 | 7/18/2009 6:05:29 PM |
| krishopper | $25.00 | $25.00 | 7/19/2009 10:47:16 AM |
| Makemony | $50.00 | $50.00 | 7/19/2009 3:41:11 PM |
| herman7 | $50.00 | $50.00 | 7/19/2009 7:07:22 PM |
| Tahoelady | $42.05 | $42.05 | 7/19/2009 5:32:33 PM |
| LendingP2P | $25.00 | $25.00 | 7/19/2009 7:26:24 PM |
| dannyboy_997 | $50.00 | $50.00 | 7/20/2009 7:38:11 AM |
| ebgb234 | $45.00 | $45.00 | 7/20/2009 9:38:47 AM |
| lindssc1 | $25.00 | $25.00 | 7/20/2009 12:48:11 PM |
| amlu1988 | $50.00 | $50.00 | 7/20/2009 1:56:46 PM |
| ShermanSteve | $50.00 | $50.00 | 7/20/2009 5:50:08 PM |
| BonusTurtle | $50.00 | $50.00 | 7/20/2009 10:10:32 PM |
| Chief3394 | $25.00 | $25.00 | 7/21/2009 4:48:04 AM |
| surferracerskaterboy | $50.00 | $50.00 | 7/21/2009 8:18:19 PM |
| MoneyForNothing | $50.00 | $50.00 | 7/24/2009 7:13:15 AM |
| MrEville | $25.00 | $25.00 | 7/25/2009 5:03:35 AM |
| bigmoneybags | $25.00 | $25.00 | 7/25/2009 1:24:56 PM |
| szetheli | $50.00 | $50.00 | 7/26/2009 7:58:44 AM |
| scott_hyperion | $55.00 | $55.00 | 7/26/2009 6:09:31 PM |
| duke12 | $53.57 | $53.57 | 7/26/2009 4:55:43 PM |
| cleo1255 | $50.00 | $50.00 | 7/26/2009 6:04:16 PM |
| Nicedad72 | $25.00 | $25.00 | 7/27/2009 3:48:44 AM |
| Smallbear | $50.00 | $50.00 | 7/27/2009 7:29:12 AM |
| 99Lender | $25.00 | $25.00 | 7/27/2009 8:04:49 AM |
| berf | $50.00 | $50.00 | 7/27/2009 11:35:23 AM |
| mauge35 | $50.00 | $50.00 | 7/27/2009 10:29:42 AM |
| SS123 | $50.00 | $50.00 | 7/27/2009 12:13:50 PM |
| Sentosa | $100.00 | $100.00 | 7/27/2009 12:47:34 PM |
| JauaFlash | $50.00 | $50.00 | 7/27/2009 2:03:05 PM |
| SteadyOne | $50.00 | $50.00 | 7/27/2009 3:46:22 PM |
| jigsawhc | $30.00 | $30.00 | 7/27/2009 2:58:22 PM |
| nhambley | $100.00 | $100.00 | 7/27/2009 6:00:36 PM |
| p2pcapitalgroup | $50.00 | $50.00 | 7/27/2009 6:32:00 PM |
| mathgod | $25.00 | $25.00 | 7/27/2009 5:15:32 PM |
| pja138 | $50.00 | $50.00 | 7/27/2009 7:41:29 PM |
| billdpost | $25.00 | $25.00 | 7/27/2009 7:59:40 PM |
| Happyhourcomics | $25.00 | $25.00 | 7/27/2009 9:14:39 PM |
| balance-chestnut | $25.00 | $25.00 | 7/27/2009 9:38:00 PM |
| UC3307 | $100.00 | $100.00 | 7/28/2009 7:33:22 AM |
| malypom | $50.00 | $50.00 | 7/28/2009 8:51:20 AM |
| sfd | $50.00 | $50.00 | 7/28/2009 9:29:05 AM |
| Gaelicman | $100.00 | $100.00 | 7/28/2009 9:53:27 AM |
| Pomedorov | $50.00 | $50.00 | 7/28/2009 10:06:45 AM |
| aultraman | $50.00 | $50.00 | 7/28/2009 10:55:44 AM |
| RecoveryLender | $25.00 | $25.00 | 7/28/2009 11:08:13 AM |
| jtn4148 | $50.00 | $50.00 | 7/28/2009 10:31:26 AM |
| 158 bids
|
Borrower Payment Dependent Notes Series
416369
This series of Notes was issued and sold upon the funding of the borrower loan #38086, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 8.42% |
Starting borrower rate/APR:
| 9.42% / 11.52% |
Starting monthly payment:
| $191.97 |
|
Final lender yield:
| 8.40% |
Final borrower rate/APR:
| 9.40% / 11.50% |
Final monthly payment:
| $191.92 |
| |
|
Auction yield range:
| 4.27% - 8.42% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.28% | | |
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 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:
| 9 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 15
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 40 | Length of status: | 10y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $49,262 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 65% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| income-exec349 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Sep-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Yard Work - Landscape
Purpose of loan:
This loan will be used to finish our construction / landscape. When we built our home 4 years ago (in Missouri), hurricane Catrina hit in the gulf. That drove all of our material costs to 3x the estimates. Needless to say, we used all of the available funds just to finish the house. The area that lost the needed attention was the landscape of the property. Now we are in a financial position to afford a small loan to finish the landscape and complete our home.
My financial situation:
I am a good candidate for this loan because we are in a better place financially than we have been in a few years. We have recently paid off some other loans (truck, personal, and a prosper loan oddly enough). We would like to finish our home at this 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) |
|
| rjleves | $25.00 | $25.00 | 7/14/2009 11:17:43 AM |
| BayShell | $40.00 | $40.00 | 7/14/2009 11:19:00 AM |
| dashawn | $25.00 | $25.00 | 7/14/2009 11:19:31 AM |
| brit11 | $25.00 | $25.00 | 7/14/2009 11:20:47 AM |
| PaulW | $25.00 | $25.00 | 7/14/2009 11:18:54 AM |
| papaman | $25.00 | $25.00 | 7/14/2009 11:21:21 AM |
| totoro | $25.00 | $25.00 | 7/14/2009 11:33:59 AM |
| halfpintc | $25.00 | $25.00 | 7/14/2009 11:35:39 AM |
| Sixmil | $25.00 | $25.00 | 7/14/2009 11:35:46 AM |
| bigrpf5 | $25.00 | $25.00 | 7/14/2009 11:38:03 AM |
| DonaldColorado | $25.00 | $25.00 | 7/14/2009 11:38:54 AM |
| Sigonio | $25.00 | $25.00 | 7/14/2009 11:38:45 AM |
| fotep-financial | $50.00 | $50.00 | 7/14/2009 11:38:57 AM |
| TadleyRPh | $25.00 | $25.00 | 7/14/2009 11:39:01 AM |
| davidy | $25.00 | $25.00 | 7/14/2009 12:17:15 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/14/2009 12:56:27 PM |
| tallcoolone | $25.00 | $25.00 | 7/14/2009 1:20:51 PM |
| amijo | $50.00 | $50.00 | 7/14/2009 2:43:44 PM |
| BenBernanke | $25.00 | $25.00 | 7/14/2009 3:05:46 PM |
| bradwill | $50.00 | $50.00 | 7/14/2009 2:25:51 PM |
| truth-companion | $25.00 | $25.00 | 7/14/2009 3:36:46 PM |
| FCI | $25.00 | $25.00 | 7/14/2009 3:40:50 PM |
| SKG | $25.00 | $25.00 | 7/14/2009 3:45:58 PM |
| atlviet | $25.00 | $25.00 | 7/14/2009 2:43:27 PM |
| K2Outlaws | $25.00 | $25.00 | 7/14/2009 4:20:57 PM |
| reueljw | $25.00 | $25.00 | 7/14/2009 4:26:24 PM |
| peb44 | $25.00 | $25.00 | 7/14/2009 6:45:56 PM |
| fdsguy | $50.00 | $50.00 | 7/14/2009 5:41:04 PM |
| YellowJacket | $25.00 | $25.00 | 7/14/2009 7:21:16 PM |
| ayerobbie | $25.00 | $25.00 | 7/14/2009 6:50:47 PM |
| markwms | $25.00 | $25.00 | 7/14/2009 8:30:58 PM |
| DeathScythe676 | $25.00 | $25.00 | 7/14/2009 10:05:48 PM |
| the-swiss-vault | $25.00 | $25.00 | 7/14/2009 10:30:48 PM |
| kenji4861 | $50.00 | $50.00 | 7/15/2009 2:03:09 AM |
| thedoctor | $25.00 | $25.00 | 7/14/2009 8:36:30 PM |
| kjsfld | $25.00 | $25.00 | 7/15/2009 9:42:34 AM |
| fontana | $25.00 | $25.00 | 7/15/2009 9:43:28 AM |
| tsui517 | $25.00 | $25.00 | 7/15/2009 11:17:40 AM |
| Futurero | $25.00 | $25.00 | 7/15/2009 11:18:07 AM |
| Okeey | $25.00 | $25.00 | 7/15/2009 11:32:30 AM |
| neenerman | $25.00 | $25.00 | 7/15/2009 10:57:25 AM |
| Jynxie | $50.00 | $50.00 | 7/15/2009 11:37:26 AM |
| guaton | $25.00 | $25.00 | 7/15/2009 1:37:37 PM |
| mrzz | $25.00 | $25.00 | 7/15/2009 2:47:44 PM |
| Thelonius10 | $25.00 | $25.00 | 7/15/2009 2:27:25 PM |
| bugleusmc | $30.00 | $30.00 | 7/15/2009 6:33:26 PM |
| anton | $25.00 | $25.00 | 7/15/2009 5:38:16 PM |
| AnastasiaBeaverhausen | $25.00 | $25.00 | 7/15/2009 6:48:22 PM |
| jstefans | $25.00 | $25.00 | 7/15/2009 8:07:38 PM |
| rebeldog67 | $25.00 | $25.00 | 7/16/2009 9:36:10 AM |
| able2help | $25.00 | $25.00 | 7/16/2009 9:42:28 AM |
| mal12561 | $50.00 | $13.36 | 7/16/2009 10:26:17 AM |
| slojudy | $25.00 | $25.00 | 7/16/2009 10:23:42 AM |
| leucadian | $25.00 | $25.00 | 7/16/2009 10:24:41 AM |
| IWANT2HELP | $25.00 | $25.00 | 7/16/2009 10:25:21 AM |
| jsledge | $50.00 | $50.00 | 7/16/2009 1:14:08 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/16/2009 4:13:16 PM |
| Finchy78 | $45.92 | $45.92 | 7/17/2009 8:23:58 AM |
| unger | $500.00 | $500.00 | 7/18/2009 4:40:58 AM |
| Personal-Bond | $50.00 | $50.00 | 7/18/2009 12:27:10 PM |
| mojii77 | $30.00 | $30.00 | 7/20/2009 11:36:36 AM |
| Catalina_Enterprises | $68.57 | $68.57 | 7/20/2009 10:53:41 PM |
| interstellar | $50.00 | $50.00 | 7/21/2009 3:25:29 PM |
| beachfunder | $25.00 | $25.00 | 7/24/2009 9:38:50 AM |
| First_Rate_Entrepreneur | $25.00 | $25.00 | 7/24/2009 2:03:29 PM |
| pinaypie1 | $50.00 | $50.00 | 7/24/2009 2:37:03 PM |
| mathgod | $25.00 | $25.00 | 7/24/2009 10:10:13 PM |
| fortytwo | $50.00 | $50.00 | 7/25/2009 9:12:31 PM |
| MrDavid | $60.00 | $60.00 | 7/26/2009 8:20:48 AM |
| swissbanker | $50.00 | $50.00 | 7/26/2009 1:45:40 PM |
| Schlawinzer | $50.00 | $50.00 | 7/27/2009 7:18:25 AM |
| Traveler40 | $25.00 | $25.00 | 7/27/2009 7:20:24 AM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 1:23:59 PM |
| brutusbone | $50.00 | $50.00 | 7/27/2009 5:01:27 PM |
| p2pcapitalgroup | $50.00 | $50.00 | 7/27/2009 6:34:37 PM |
| money-expert | $25.00 | $25.00 | 7/28/2009 5:59:22 AM |
| 909engineer | $44.10 | $44.10 | 7/28/2009 7:56:54 AM |
| JerryB96 | $25.00 | $25.00 | 7/28/2009 8:12:39 AM |
| FundMaker | $45.00 | $45.00 | 7/28/2009 8:20:11 AM |
| Auditman | $50.00 | $50.00 | 7/28/2009 7:31:34 AM |
| suburbanman64 | $50.00 | $50.00 | 7/28/2009 5:47:59 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 10:13:48 AM |
| NJNY | $25.00 | $25.00 | 7/14/2009 11:18:18 AM |
| cingular | $25.00 | $25.00 | 7/14/2009 11:18:03 AM |
| trucklawyer | $25.00 | $25.00 | 7/14/2009 11:18:09 AM |
| vacation-funding | $25.00 | $25.00 | 7/14/2009 11:20:45 AM |
| pakrbkr | $25.00 | $25.00 | 7/14/2009 11:21:04 AM |
| mnmcarve | $25.00 | $25.00 | 7/14/2009 11:21:41 AM |
| KBank | $25.00 | $25.00 | 7/14/2009 11:24:51 AM |
| SkonkeyGongo | $25.00 | $25.00 | 7/14/2009 11:25:38 AM |
| bikingbtb | $25.00 | $25.00 | 7/14/2009 11:19:04 AM |
| kubien | $25.00 | $25.00 | 7/14/2009 11:25:28 AM |
| salala | $25.00 | $25.00 | 7/14/2009 11:22:35 AM |
| DukSerduk | $25.00 | $25.00 | 7/14/2009 11:36:54 AM |
| HibbyD | $35.00 | $35.00 | 7/14/2009 11:31:17 AM |
| onegoodlender | $25.00 | $25.00 | 7/14/2009 11:37:20 AM |
| Lender0424 | $25.00 | $25.00 | 7/14/2009 11:39:03 AM |
| MT1130 | $25.00 | $25.00 | 7/14/2009 11:34:13 AM |
| ChristopherHS | $25.00 | $25.00 | 7/14/2009 11:42:50 AM |
| vtr1000 | $25.51 | $25.51 | 7/14/2009 11:36:11 AM |
| virtualbank | $25.00 | $25.00 | 7/14/2009 11:36:16 AM |
| ohnezweck | $25.00 | $25.00 | 7/14/2009 11:37:53 AM |
| PatRichi | $25.00 | $25.00 | 7/14/2009 11:51:45 AM |
| kegs | $250.00 | $250.00 | 7/14/2009 12:01:46 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/14/2009 2:43:06 PM |
| Railbird | $25.00 | $25.00 | 7/14/2009 12:57:51 PM |
| abidos | $25.00 | $25.00 | 7/14/2009 2:41:49 PM |
| gotyourgear | $25.00 | $25.00 | 7/14/2009 1:01:04 PM |
| woodenshoes | $100.00 | $100.00 | 7/14/2009 2:45:52 PM |
| vegibenz | $25.00 | $25.00 | 7/14/2009 3:34:33 PM |
| jbadawg1017 | $25.00 | $25.00 | 7/14/2009 2:43:50 PM |
| Binan | $25.00 | $25.00 | 7/14/2009 4:45:53 PM |
| otalon | $50.00 | $50.00 | 7/14/2009 3:11:21 PM |
| larrybird | $250.00 | $250.00 | 7/14/2009 5:40:19 PM |
| Flying_Tilapia | $60.00 | $60.00 | 7/14/2009 6:26:50 PM |
| dumbass | $25.00 | $25.00 | 7/14/2009 9:45:49 PM |
| Artist_Blue | $25.00 | $25.00 | 7/15/2009 6:03:58 AM |
| ladyorayne | $100.00 | $100.00 | 7/15/2009 9:49:58 AM |
| laststrawman | $25.00 | $25.00 | 7/15/2009 12:32:47 PM |
| 888168 | $50.00 | $50.00 | 7/15/2009 10:57:51 AM |
| BadgerNotes | $25.00 | $25.00 | 7/15/2009 4:37:28 PM |
| YoungTaxMan | $25.00 | $25.00 | 7/15/2009 2:22:47 PM |
| sajitp | $50.00 | $50.00 | 7/15/2009 5:32:30 PM |
| TennSquire | $25.00 | $25.00 | 7/15/2009 4:27:50 PM |
| DrStaff | $30.00 | $30.00 | 7/15/2009 4:47:37 PM |
| nicklds | $51.34 | $51.34 | 7/16/2009 7:32:21 AM |
| buukyak | $25.00 | $25.00 | 7/16/2009 10:25:26 AM |
| shay1727 | $25.00 | $25.00 | 7/16/2009 10:25:18 AM |
| vanklein | $25.00 | $25.00 | 7/17/2009 5:46:21 AM |
| crazybunga | $25.00 | $25.00 | 7/17/2009 9:45:01 AM |
| conductor49 | $25.00 | $25.00 | 7/17/2009 1:36:50 PM |
| ujiba | $50.00 | $50.00 | 7/17/2009 9:56:43 PM |
| shag2 | $50.00 | $50.00 | 7/18/2009 3:07:21 PM |
| emunah6 | $25.00 | $25.00 | 7/18/2009 10:52:41 AM |
| qkinger | $50.00 | $50.00 | 7/19/2009 3:53:16 PM |
| bejfishing | $25.00 | $25.00 | 7/20/2009 4:58:00 AM |
| rockhound84 | $50.00 | $50.00 | 7/21/2009 6:58:35 AM |
| bondhedger | $25.00 | $25.00 | 7/21/2009 7:52:53 AM |
| market-assembler | $25.00 | $25.00 | 7/21/2009 2:39:58 PM |
| northern_paddler | $25.00 | $25.00 | 7/21/2009 7:24:51 PM |
| springpanda | $50.00 | $50.00 | 7/23/2009 3:39:12 PM |
| Simply2fly | $25.00 | $25.00 | 7/24/2009 9:46:53 AM |
| myrddraal | $50.00 | $50.00 | 7/24/2009 10:21:40 PM |
| lagnisiruk | $33.00 | $33.00 | 7/26/2009 10:50:50 AM |
| mrmojado | $33.20 | $33.20 | 7/27/2009 7:15:27 AM |
| DackoDenk | $25.00 | $25.00 | 7/27/2009 12:00:31 PM |
| billybragg | $25.00 | $25.00 | 7/27/2009 10:10:50 PM |
| taylodo | $30.00 | $30.00 | 7/27/2009 11:10:17 PM |
| flshdaskll | $25.00 | $25.00 | 7/28/2009 3:50:51 AM |
| affluence-tulip | $100.00 | $100.00 | 7/28/2009 6:19:27 AM |
| oldman68 | $25.00 | $25.00 | 7/28/2009 8:01:56 AM |
| Kyileo | $50.00 | $50.00 | 7/28/2009 11:13:28 AM |
| marshallmanhattan | $50.00 | $50.00 | 7/28/2009 9:53:21 AM |
| oldmora | $25.00 | $25.00 | 7/28/2009 11:16:19 AM |
| 154 bids
|
Borrower Payment Dependent Notes Series
416637
This series of Notes was issued and sold upon the funding of the borrower loan #38090, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-15-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Jul-27-2009 |
|
|
Starting lender yield:
| 6.17% |
Starting borrower rate/APR:
| 7.17% / 9.24% |
Starting monthly payment:
| $154.77 |
|
Final lender yield:
| 6.15% |
Final borrower rate/APR:
| 7.15% / 9.22% |
Final monthly payment:
| $154.73 |
| |
|
Auction yield range:
| 3.27% - 6.17% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
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:
| 10 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 11
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,355 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 22% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| mutjin |
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:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 800-820 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 740-760
(Jun-2008)
780-800
(Mar-2008)
|
|
Principal balance:
| $3,432.68 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Pay off credit card
Purpose of loan:
Consolidate my 2 credit card balance into one. I want to consolidate it and make one payment while saving on interest and paying the loan back faster.
My financial situation:
I am a good candidate for this loan because I have never made a late payment in my life. (I'm anal about my finances) I make really good money as a programmer and director at a company. I only need a year and a half to pay off this 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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| totoro | $25.00 | $25.00 | 7/15/2009 10:25:17 AM |
| pakrbkr | $25.00 | $25.00 | 7/15/2009 10:27:51 AM |
| salala | $25.00 | $25.00 | 7/15/2009 10:28:04 AM |
| NATIVEBORN | $50.00 | $50.00 | 7/15/2009 10:28:53 AM |
| tallcoolone | $25.00 | $25.00 | 7/15/2009 10:29:03 AM |
| truth-companion | $25.00 | $25.00 | 7/15/2009 10:30:50 AM |
| bradwill | $50.00 | $50.00 | 7/15/2009 10:29:11 AM |
| abidos | $25.00 | $25.00 | 7/15/2009 10:29:45 AM |
| kenji4861 | $50.00 | $50.00 | 7/15/2009 10:32:58 AM |
| woodenshoes | $100.00 | $100.00 | 7/15/2009 10:23:34 AM |
| Artist_Blue | $25.00 | $25.00 | 7/15/2009 10:33:08 AM |
| peb44 | $25.00 | $25.00 | 7/15/2009 10:31:59 AM |
| virtualbank | $25.00 | $25.00 | 7/15/2009 10:26:02 AM |
| Sigonio | $25.00 | $25.00 | 7/15/2009 10:26:28 AM |
| rjleves | $25.00 | $25.00 | 7/15/2009 10:26:37 AM |
| larrybird | $250.00 | $250.00 | 7/15/2009 10:31:31 AM |
| ChristopherHS | $25.00 | $25.00 | 7/15/2009 12:29:58 PM |
| 888168 | $50.00 | $50.00 | 7/15/2009 10:58:07 AM |
| bigdogsafety1 | $50.00 | $50.00 | 7/15/2009 1:27:24 PM |
| RandyL3 | $82.83 | $82.83 | 7/15/2009 6:59:48 PM |
| anton | $25.00 | $25.00 | 7/15/2009 5:38:28 PM |
| jbadawg1017 | $25.00 | $25.00 | 7/16/2009 1:13:04 PM |
| atlviet | $25.00 | $25.00 | 7/16/2009 10:27:28 AM |
| GreenTeaDrinkingGuy | $25.00 | $25.00 | 7/16/2009 2:35:16 PM |
| otalon | $50.00 | $50.00 | 7/16/2009 3:27:06 PM |
| Sixmil | $25.00 | $25.00 | 7/17/2009 12:16:45 AM |
| vinayski | $25.00 | $25.00 | 7/17/2009 7:36:50 AM |
| jfd287 | $25.00 | $25.00 | 7/17/2009 8:42:00 AM |
| Sumach | $25.00 | $25.00 | 7/17/2009 8:37:51 AM |
| dammage | $37.29 | $37.29 | 7/17/2009 9:10:46 AM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 3:47:48 PM |
| GElender | $25.00 | $25.00 | 7/17/2009 5:12:14 PM |
| RandomMonkey | $25.00 | $25.00 | 7/18/2009 7:32:01 AM |
| mjcjmm4407 | $25.00 | $25.00 | 7/17/2009 10:27:10 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 7/18/2009 9:06:37 AM |
| NJNY | $25.00 | $25.00 | 7/19/2009 12:07:08 AM |
| amit_gu | $100.00 | $100.00 | 7/18/2009 7:47:41 PM |
| mattlo | $35.16 | $35.16 | 7/19/2009 12:06:15 AM |
| HibbyD | $35.00 | $35.00 | 7/19/2009 6:56:39 AM |
| Toony | $50.00 | $50.00 | 7/19/2009 8:48:54 AM |
| giannyny | $25.00 | $25.00 | 7/19/2009 10:51:37 AM |
| Faura | $50.00 | $50.00 | 7/19/2009 10:56:31 AM |
| BlindProphet | $25.00 | $25.00 | 7/19/2009 3:58:17 PM |
| andymax | $25.00 | $25.00 | 7/19/2009 5:57:06 PM |
| yenom | $25.00 | $25.00 | 7/19/2009 2:56:46 PM |
| wjf60 | $50.00 | $50.00 | 7/19/2009 4:38:44 PM |
| DeathScythe676 | $25.00 | $25.00 | 7/20/2009 2:36:36 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/19/2009 8:27:43 PM |
| KBank | $25.00 | $25.00 | 7/19/2009 9:11:44 PM |
| sugybutt | $50.00 | $50.00 | 7/19/2009 9:16:02 PM |
| gotyourgear | $25.00 | $25.00 | 7/20/2009 7:01:40 AM |
| AgTiPinisher | $25.00 | $25.00 | 7/19/2009 11:07:42 PM |
| grf1945 | $25.00 | $25.00 | 7/20/2009 5:51:51 AM |
| Zipline | $25.00 | $25.00 | 7/20/2009 7:27:25 AM |
| timmydaddy | $25.00 | $25.00 | 7/20/2009 9:42:41 AM |
| don'twannadance | $125.00 | $125.00 | 7/20/2009 10:39:14 AM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 1:32:01 PM |
| MasterJin | $25.00 | $25.00 | 7/20/2009 2:32:51 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:41:56 PM |
| cny_loans | $25.00 | $25.00 | 7/20/2009 5:16:59 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/20/2009 9:46:50 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:06:49 AM |
| Hexnut | $50.00 | $50.00 | 7/20/2009 9:32:01 PM |
| reueljw | $25.00 | $25.00 | 7/21/2009 6:57:34 AM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:32 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:25 AM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:47:41 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:48 AM |
| TJ-Financial-Group | $30.21 | $30.21 | 7/21/2009 11:11:57 AM |
| leemic | $25.00 | $8.49 | 7/21/2009 11:56:45 AM |
| RandyL3 | $40.94 | $40.94 | 7/21/2009 3:56:28 PM |
| category7 | $25.00 | $25.00 | 7/21/2009 4:03:08 PM |
| ujiba | $25.62 | $25.62 | 7/23/2009 12:42:02 PM |
| springpanda | $50.00 | $50.00 | 7/23/2009 3:46:22 PM |
| llennoc | $25.00 | $25.00 | 7/24/2009 1:43:40 PM |
| buukyak | $25.00 | $25.00 | 7/24/2009 1:45:16 PM |
| BankofBeth | $50.00 | $50.00 | 7/24/2009 2:40:46 PM |
| YummiBear | $25.00 | $25.00 | 7/24/2009 9:06:19 PM |
| fortytwo | $50.00 | $50.00 | 7/25/2009 9:12:40 PM |
| YellowJacket | $25.00 | $25.00 | 7/15/2009 10:32:07 AM |
| PaulW | $25.00 | $25.00 | 7/15/2009 10:23:00 AM |
| Binan | $25.00 | $25.00 | 7/15/2009 10:31:22 AM |
| MT1130 | $25.00 | $25.00 | 7/15/2009 10:31:46 AM |
| thedoctor | $25.00 | $25.00 | 7/15/2009 10:32:26 AM |
| DukSerduk | $25.00 | $25.00 | 7/15/2009 10:26:17 AM |
| kegs | $250.00 | $250.00 | 7/15/2009 10:28:10 AM |
| dumbass | $25.00 | $25.00 | 7/15/2009 10:32:49 AM |
| Jynxie | $36.64 | $36.64 | 7/15/2009 11:37:39 AM |
| mrzz | $25.00 | $25.00 | 7/15/2009 2:47:53 PM |
| TennSquire | $25.00 | $25.00 | 7/15/2009 4:28:05 PM |
| K2Outlaws | $25.00 | $25.00 | 7/16/2009 1:13:11 PM |
| guaton | $25.00 | $25.00 | 7/16/2009 10:28:23 AM |
| PeterV | $100.00 | $100.00 | 7/16/2009 2:56:28 PM |
| outwish | $25.00 | $25.00 | 7/16/2009 3:52:50 PM |
| restech | $25.00 | $25.00 | 7/16/2009 11:47:00 PM |
| oodkim84oo | $25.00 | $25.00 | 7/17/2009 2:56:49 AM |
| kaykarun | $50.00 | $50.00 | 7/17/2009 12:47:32 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/17/2009 7:06:37 AM |
| tylerfd | $25.00 | $25.00 | 7/17/2009 8:01:59 AM |
| aislinnn | $25.00 | $25.00 | 7/17/2009 7:32:13 PM |
| laststrawman | $25.00 | $25.00 | 7/18/2009 2:28:29 AM |
| OLYVRC | $25.00 | $25.00 | 7/17/2009 9:02:21 PM |
| farmgirl27 | $50.00 | $50.00 | 7/18/2009 9:05:16 AM |
| mnmcarve | $25.00 | $25.00 | 7/18/2009 10:51:35 AM |
| L-vex | $25.00 | $25.00 | 7/18/2009 11:47:02 AM |
| SKAGIT22 | $25.00 | $25.00 | 7/19/2009 7:02:08 AM |
| CarlC | $25.00 | $25.00 | 7/18/2009 10:56:48 PM |
| krishopper | $25.00 | $25.00 | 7/19/2009 9:26:50 AM |
| financelover | $25.00 | $25.00 | 7/19/2009 11:16:50 AM |
| LordKinbote | $25.00 | $25.00 | 7/19/2009 3:11:55 PM |
| jonesboyz | $25.00 | $25.00 | 7/19/2009 4:26:58 PM |
| Pawnster | $36.75 | $36.75 | 7/19/2009 9:37:02 PM |
| Toskleon | $50.00 | $50.00 | 7/19/2009 8:29:34 PM |
| StarE | $25.00 | $25.00 | 7/19/2009 8:56:51 PM |
| boxermom | $25.00 | $25.00 | 7/19/2009 9:07:08 PM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:07:09 PM |
| lancetc | $25.00 | $25.00 | 7/20/2009 8:58:28 AM |
| Boxhead | $25.00 | $25.00 | 7/20/2009 9:27:30 AM |
| ali82 | $25.00 | $25.00 | 7/20/2009 10:58:46 AM |
| Wart126 | $25.00 | $25.00 | 7/20/2009 11:39:10 AM |
| damage | $25.00 | $25.00 | 7/20/2009 9:32:41 AM |
| RandyL3 | $38.16 | $38.16 | 7/20/2009 3:27:42 PM |
| wormdc | $25.00 | $25.00 | 7/20/2009 12:17:18 PM |
| shamil45 | $25.00 | $25.00 | 7/20/2009 2:25:26 PM |
| bradania | $25.00 | $25.00 | 7/20/2009 2:26:56 PM |
| mlbox3k | $25.00 | $25.00 | 7/20/2009 3:31:52 PM |
| fyrwlker12 | $25.00 | $25.00 | 7/20/2009 7:52:21 PM |
| slick8812 | $25.00 | $25.00 | 7/21/2009 6:20:44 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:09 AM |
| skistud66 | $25.00 | $25.00 | 7/21/2009 10:41:35 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:13 AM |
| AsianDragon | $100.00 | $100.00 | 7/21/2009 8:38:59 PM |
| F_R_B_O_H | $50.00 | $50.00 | 7/21/2009 9:12:50 PM |
| thenewkaisersoze | $50.00 | $50.00 | 7/23/2009 4:52:28 AM |
| RandyL3 | $57.91 | $57.91 | 7/23/2009 7:46:38 AM |
| OGS_Capital | $25.00 | $25.00 | 7/24/2009 7:59:00 AM |
| swiftsoul | $25.00 | $25.00 | 7/24/2009 11:27:29 AM |
| MrDavid | $60.00 | $60.00 | 7/26/2009 8:49:03 AM |
| 138 bids
|
Borrower Payment Dependent Notes Series
416861
This series of Notes was issued and sold upon the funding of the borrower loan #38093, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 20.05% |
Starting borrower rate/APR:
| 21.05% / 24.86% |
Starting monthly payment:
| $37.70 |
|
Final lender yield:
| 20.05% |
Final borrower rate/APR:
| 21.05% / 24.86% |
Final monthly payment:
| $37.70 |
| |
|
Auction yield range:
| 8.27% - 20.05% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.08% | | |
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:
| 9 |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 14
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 36 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $644 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 92% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| ckw1969 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(Aug-2008)
680-700
(Jun-2008)
|
|
Principal balance:
| $1,103.72 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Pay off debts
This loan will be used to? Pay off some small debts.
I have some small debts that I am trying to pay off. The largest one is to my son's high school; otherwise they will not allow him to return in the Fall (because of this, he was not allowed to attend summer school). While I pay every creditor what I can every month, most of them will not negotiate a lower fee for a longer term and the payments are simply more than I cannot afford right now. I have (and still am) looking for another job to pick up more income to no avail.
I appreciate anyone and everyone who takes the time to read my loan bid, whether you decide to fund it or not.
Thank you.
Monthly net income: $ 3800.00
Monthly expenses: $
Housing: $1417
Insurance: $ 105
Car expenses: $ 160 for public transportation
Utilities: $ included in rent
Phone, cable, internet: $ 200 (cell phone and vpn for internet)
Food, entertainment: $ 400 food (teen age son)
Clothing, household expenses $ 80 for dry cleaning
Credit cards and other loans: $ $125
Other expenses: $240 for physical therapy (I have perenial tendonitis).
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 break out your debts so we can see what it will be funding. - whois-JohnGalt
A:
159.66 bill to my son's pediatrician;
700.00 to my son's school
200.00 which will pay off the credit card in full
(Jul-19-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CornerKetch | $25.00 | $25.00 | 7/18/2009 1:41:49 AM |
| njlom | $100.00 | $100.00 | 7/19/2009 4:17:08 PM |
| SmallTown5 | $25.00 | $25.00 | 7/21/2009 1:47:20 AM |
| IPG1 | $25.00 | $25.00 | 7/24/2009 9:16:55 AM |
| myduck | $50.00 | $50.00 | 7/24/2009 3:58:54 PM |
| whois-JohnGalt | $25.00 | $25.00 | 7/24/2009 4:01:38 PM |
| tnjohnso | $25.00 | $25.00 | 7/24/2009 9:46:51 PM |
| KramericaIndustries | $25.00 | $25.00 | 7/25/2009 12:08:55 PM |
| kazanov | $50.00 | $50.00 | 7/25/2009 1:01:05 PM |
| d74mathias | $50.00 | $50.00 | 7/26/2009 9:50:07 AM |
| dpjd | $50.00 | $50.00 | 7/27/2009 3:49:44 PM |
| Madron | $75.00 | $75.00 | 7/27/2009 4:21:06 PM |
| rbgnr111 | $25.00 | $25.00 | 7/28/2009 10:25:54 AM |
| foothillender | $25.00 | $25.00 | 7/18/2009 7:07:22 AM |
| Loan_Stranger | $50.00 | $50.00 | 7/18/2009 5:16:00 PM |
| capital_gains | $100.00 | $100.00 | 7/19/2009 10:51:47 AM |
| 12sec67camaro | $25.00 | $25.00 | 7/20/2009 1:58:33 AM |
| bondhedger | $25.00 | $25.00 | 7/21/2009 8:18:32 AM |
| fenn1987 | $37.40 | $37.40 | 7/22/2009 11:03:08 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/24/2009 10:07:18 AM |
| realtormoises | $25.00 | $25.00 | 7/25/2009 2:06:56 AM |
| Flying_Tilapia | $50.00 | $50.00 | 7/25/2009 10:32:19 PM |
| dudebrah | $25.00 | $25.00 | 7/27/2009 4:33:09 PM |
| genuine-money | $50.00 | $50.00 | 7/28/2009 12:37:32 PM |
| mrbigcup | $37.65 | $12.60 | 7/28/2009 1:15:03 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
417555
This series of Notes was issued and sold upon the funding of the borrower loan #38089, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-22-2009 |
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 20.67% |
Starting borrower rate/APR:
| 21.67% / 23.93% |
Starting monthly payment:
| $152.08 |
|
Final lender yield:
| 20.50% |
Final borrower rate/APR:
| 21.50% / 23.76% |
Final monthly payment:
| $151.73 |
| |
|
Auction yield range:
| 8.27% - 20.67% |
Estimated loss impact:
| 8.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.02% | | |
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:
| May-1998 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,494 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| Fireman17 |
Borrower's state:
| Arkansas |
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% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $12,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(May-2008)
|
|
Principal balance:
| $8,491.51 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Paying off Credit Cards
Purpose of loan:
Husband had surgery earlier this year. This money will consolidate and pay off balances owed on several medical bills.
My financial situation:
Financial situation is good.I am a good canidate because I am great at sticking things out. I have been in the same field of work for 20 years. I was with my first employer 15 years and switched companies for a promotion in my field working with a previous manager. My husband has been on his job for the last 8 years.
Monthly net income: $ 4400.00
Monthly expenses: $
Housing: $ 1500.00
Insurance: $ 180.00
Car expenses: $ 308.00
Utilities: $ 350.00
Phone, cable, internet: $ 150.00
Food, entertainment: $ 500.00
Clothing, household expenses $ 200.00
Credit cards and other loans: $ 495.00
Other expenses: $ 50.00
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) |
|
| rmachi | $25.00 | $25.00 | 7/22/2009 3:57:12 PM |
| figs4u2 | $200.00 | $200.00 | 7/22/2009 3:57:43 PM |
| don8ter | $25.00 | $25.00 | 7/22/2009 3:58:23 PM |
| spike16 | $25.00 | $25.00 | 7/22/2009 3:59:24 PM |
| zaxsan | $25.00 | $25.00 | 7/22/2009 3:59:41 PM |
| zeelender | $25.00 | $25.00 | 7/22/2009 3:59:53 PM |
| building_community | $25.00 | $25.00 | 7/22/2009 4:01:32 PM |
| tlp43 | $25.00 | $25.00 | 7/22/2009 3:57:10 PM |
| Artist_Blue | $25.00 | $25.00 | 7/22/2009 3:57:51 PM |
| Trojan1976 | $25.00 | $25.00 | 7/22/2009 3:57:55 PM |
| GElender | $50.00 | $50.00 | 7/22/2009 3:58:18 PM |
| hopethisworks | $50.00 | $50.00 | 7/22/2009 3:57:17 PM |
| ribbles | $50.00 | $50.00 | 7/22/2009 3:59:05 PM |
| kyxysyx | $50.00 | $50.00 | 7/22/2009 3:59:31 PM |
| Weaverville | $75.00 | $75.00 | 7/22/2009 3:58:16 PM |
| wwwUniversal | $25.00 | $25.00 | 7/22/2009 3:59:44 PM |
| kaykarun | $25.00 | $25.00 | 7/22/2009 3:58:22 PM |
| Aquani | $50.00 | $50.00 | 7/22/2009 3:59:52 PM |
| gilbow | $25.00 | $25.00 | 7/22/2009 3:58:33 PM |
| skibum65 | $50.00 | $50.00 | 7/22/2009 3:59:56 PM |
| lagnisiruk | $25.00 | $25.00 | 7/22/2009 3:58:42 PM |
| kegs | $250.00 | $96.81 | 7/22/2009 3:58:49 PM |
| money-expert | $50.00 | $50.00 | 7/22/2009 4:00:22 PM |
| Champpilot | $50.00 | $50.00 | 7/22/2009 3:58:59 PM |
| PHI4308 | $25.00 | $25.00 | 7/22/2009 3:59:08 PM |
| mmckune | $25.00 | $25.00 | 7/22/2009 4:00:13 PM |
| unclejaef | $25.00 | $25.00 | 7/22/2009 4:00:20 PM |
| EricLender | $25.00 | $25.00 | 7/22/2009 4:00:53 PM |
| theRabbi | $25.00 | $25.00 | 7/23/2009 9:33:01 AM |
| ah-long | $25.00 | $25.00 | 7/24/2009 8:33:05 AM |
| d_grbg | $25.00 | $25.00 | 7/24/2009 8:33:11 AM |
| Quetz | $25.00 | $25.00 | 7/24/2009 9:17:03 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/24/2009 10:07:44 AM |
| rjleves | $25.00 | $25.00 | 7/24/2009 10:18:17 AM |
| sloan | $25.00 | $25.00 | 7/24/2009 5:09:27 PM |
| Tauri | $25.00 | $25.00 | 7/25/2009 6:41:48 AM |
| wizardii | $25.00 | $25.00 | 7/25/2009 9:28:35 AM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:37 PM |
| mtp | $50.00 | $50.00 | 7/25/2009 4:21:48 PM |
| fortytwo | $70.00 | $70.00 | 7/25/2009 9:11:42 PM |
| wings2fly | $25.00 | $25.00 | 7/25/2009 10:41:34 PM |
| wild_carrot | $25.00 | $25.00 | 7/25/2009 11:11:46 PM |
| pensacolaborn | $25.00 | $25.00 | 7/26/2009 11:27:13 AM |
| theopposites | $25.00 | $25.00 | 7/26/2009 3:12:26 PM |
| restech | $25.00 | $25.00 | 7/26/2009 5:56:48 PM |
| inforapenny | $25.00 | $25.00 | 7/27/2009 5:41:43 AM |
| witty-compassion | $25.00 | $25.00 | 7/26/2009 10:46:55 PM |
| baconguy | $25.00 | $25.00 | 7/27/2009 9:41:56 AM |
| integrity-monster | $25.00 | $25.00 | 7/27/2009 10:16:46 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:52:38 AM |
| fireboss | $100.00 | $100.00 | 7/27/2009 10:13:39 AM |
| member874 | $25.00 | $25.00 | 7/27/2009 12:18:15 PM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 2:12:06 PM |
| zeija | $28.00 | $28.00 | 7/27/2009 1:20:11 PM |
| Superc0ld | $100.00 | $100.00 | 7/27/2009 5:21:57 PM |
| cropdust3r | $25.00 | $25.00 | 7/27/2009 5:22:16 PM |
| able2help | $25.00 | $25.00 | 7/27/2009 8:01:41 PM |
| d34dfish | $25.00 | $25.00 | 7/27/2009 6:44:34 PM |
| 888168 | $25.00 | $25.00 | 7/22/2009 3:57:47 PM |
| mrzz | $25.00 | $25.00 | 7/22/2009 3:58:04 PM |
| money2k | $25.00 | $25.00 | 7/22/2009 3:58:54 PM |
| GMPK_TLAS | $45.00 | $45.00 | 7/22/2009 3:59:03 PM |
| ohnezweck | $25.00 | $25.00 | 7/22/2009 3:59:29 PM |
| Hexnut | $25.00 | $25.00 | 7/22/2009 4:00:00 PM |
| mercuriant | $25.00 | $25.00 | 7/22/2009 4:01:07 PM |
| pbo922 | $25.00 | $25.00 | 7/22/2009 4:01:15 PM |
| sail120 | $25.00 | $25.00 | 7/22/2009 6:22:18 PM |
| nodrivelpls | $25.00 | $25.00 | 7/22/2009 3:57:31 PM |
| jbarron | $25.00 | $25.00 | 7/22/2009 3:57:36 PM |
| Cre8iveCash | $25.00 | $25.00 | 7/22/2009 3:57:59 PM |
| TennSquire | $25.00 | $25.00 | 7/22/2009 3:58:13 PM |
| beyondmanagement | $25.00 | $25.00 | 7/22/2009 3:58:20 PM |
| Rogelio48 | $25.00 | $25.00 | 7/22/2009 3:56:59 PM |
| SNH | $25.00 | $25.00 | 7/22/2009 3:57:25 PM |
| keeks | $25.00 | $25.00 | 7/22/2009 3:59:17 PM |
| ualf | $50.00 | $50.00 | 7/22/2009 3:57:49 PM |
| Josta | $50.00 | $50.00 | 7/22/2009 3:58:27 PM |
| andrewnar | $25.00 | $25.00 | 7/22/2009 4:00:05 PM |
| anton | $25.00 | $25.00 | 7/22/2009 3:58:45 PM |
| incbx | $50.00 | $50.00 | 7/22/2009 4:00:46 PM |
| puifais | $25.00 | $25.00 | 7/22/2009 3:59:33 PM |
| Westsider | $25.00 | $25.00 | 7/22/2009 3:59:38 PM |
| CaboWaboRobo | $25.00 | $25.00 | 7/22/2009 3:59:42 PM |
| Ryman81580 | $25.00 | $25.00 | 7/22/2009 3:59:48 PM |
| leftcoast52 | $25.00 | $25.00 | 7/22/2009 4:00:32 PM |
| thedreamer | $25.00 | $25.00 | 7/23/2009 5:12:13 AM |
| Traal | $25.00 | $25.00 | 7/23/2009 5:16:42 AM |
| amit_gu | $25.00 | $25.00 | 7/23/2009 2:07:42 PM |
| Stevenator | $25.00 | $25.00 | 7/23/2009 11:01:53 AM |
| skiberdad | $31.83 | $31.83 | 7/23/2009 1:53:17 PM |
| the-profit-oracle | $25.00 | $25.00 | 7/23/2009 8:16:48 PM |
| loiosh | $25.00 | $25.00 | 7/24/2009 8:33:12 AM |
| DadWarbucks | $50.00 | $50.00 | 7/24/2009 8:36:38 AM |
| alverado | $50.00 | $50.00 | 7/24/2009 9:18:44 AM |
| BankofBeth | $50.00 | $50.00 | 7/24/2009 2:21:00 PM |
| zrohmm | $25.00 | $25.00 | 7/24/2009 2:22:07 PM |
| rockymtbob | $50.00 | $50.00 | 7/24/2009 12:31:36 PM |
| nicklds | $25.00 | $25.00 | 7/24/2009 2:26:49 PM |
| Sixmil | $25.00 | $25.00 | 7/24/2009 5:08:01 PM |
| Loan_Stranger | $50.00 | $50.00 | 7/24/2009 7:59:32 PM |
| tnjohnso | $25.00 | $25.00 | 7/24/2009 9:46:57 PM |
| packrs1 | $25.00 | $25.00 | 7/25/2009 9:07:22 AM |
| p2ploan-battalion509 | $32.56 | $32.56 | 7/25/2009 4:16:47 PM |
| Eaglehigh | $25.00 | $25.00 | 7/25/2009 11:31:23 AM |
| bigdogsafety1 | $25.00 | $25.00 | 7/26/2009 9:01:39 AM |
| Penny | $50.00 | $50.00 | 7/26/2009 5:31:50 PM |
| Panitza | $48.51 | $48.51 | 7/26/2009 12:56:44 PM |
| ChuckChedda | $25.00 | $25.00 | 7/27/2009 2:14:00 AM |
| aader | $25.00 | $25.00 | 7/27/2009 10:01:37 AM |
| vkm2000 | $25.00 | $25.00 | 7/27/2009 10:16:58 AM |
| Carpetkid | $25.00 | $25.00 | 7/27/2009 10:43:34 AM |
| apetrock | $34.56 | $34.56 | 7/27/2009 11:31:45 AM |
| pksfunds | $37.73 | $37.73 | 7/27/2009 10:43:05 AM |
| interstellar | $50.00 | $50.00 | 7/27/2009 11:16:32 AM |
| Tavita | $25.00 | $25.00 | 7/27/2009 1:11:47 PM |
| dunedin | $25.00 | $25.00 | 7/27/2009 6:52:32 PM |
| LordKinbote | $25.00 | $25.00 | 7/27/2009 8:06:38 PM |
| plentiful-reward | $25.00 | $25.00 | 7/27/2009 9:41:44 PM |
| 118 bids
|
Borrower Payment Dependent Notes Series
416554
This series of Notes was issued and sold upon the funding of the borrower loan #38083, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,300.00 |
Prosper Rating:
| HR |
Auction start date:
| Jul-15-2009 |
|
Term:
| 36 months |
Estimated loss:
| 25.0% |
Auction end date:
| Jul-26-2009 |
|
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 32.05% |
Starting monthly payment:
| $54.48 |
|
Final lender yield:
| 28.00% |
Final borrower rate/APR:
| 29.00% / 32.05% |
Final monthly payment:
| $54.48 |
| |
|
Auction yield range:
| 17.27% - 28.00% |
Estimated loss impact:
| 26.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.37% | | |
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:
| 3 |
First credit line:
| Mar-1978 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 600-620 (Jul-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 29y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,444 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 3 |
Bankcard utilization:
| 100% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 6 | | | | |
|
Screen name:
| swoosh1 |
Borrower's state:
| Oregon |
Borrower's group:
| FANAFI Financial |
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 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 600-620
(Jun-2007)
(Feb-2006)
|
|
Principal balance:
| $1,253.59 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
paying for my daughter college
Purpose of loan:
College tuition for my daughter.
My financial situation:
I have secure income and will be dedicated to paying off the loan on time as agreed.I currently have a loan with prosper which will be payed off in August of 2010. My loan is current with no late payments.
I am 53 years old ,an Logistics Analyst with the same company for 29 + years.I am married and my wife has been employed as
claim analyst in the Health Industry for the past 27 years.We have two daughters,one living outside the home and the other living at home planning on attending community college in the fall of 2009.
Thank you for your time and consideration of this loan.
Monthly net income: $ 2,950.00
Monthly expenses: $
Housing: $ 680.00
Insurance: $ 100
Car expenses: $ 150
Utilities: $ 125
Phone, cable, internet: $ 125
Food, entertainment: $ 300
Clothing, household expenses $ 100
Credit cards and other loans: $ 450
Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
There is a lot of info out there regerding your financial status but the only thing that realy matters is your historwith prosper. you have a loan and you have been paying it on time for 2 years. you have my confidence and trust. Good luck! - Mr_Katana
A:
Thank you for you support .I appreciate it.
(Jul-20-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| planky | $100.00 | $100.00 | 7/16/2009 10:25:39 AM |
| twjh | $25.00 | $25.00 | 7/19/2009 6:03:15 PM |
| dblakels | $25.00 | $25.00 | 7/20/2009 8:20:41 AM |
| boodo | $41.59 | $41.59 | 7/22/2009 11:23:10 AM |
| aquistoyraul | $128.52 | $128.52 | 7/23/2009 11:13:07 PM |
| dextro | $25.00 | $25.00 | 7/24/2009 9:51:38 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/24/2009 10:07:04 AM |
| andrelaplume | $50.00 | $50.00 | 7/26/2009 8:36:20 AM |
| MrRooster101 | $117.03 | $117.03 | 7/26/2009 12:48:06 PM |
| 12sec67camaro | $25.00 | $25.00 | 7/26/2009 7:14:43 PM |
| boodo | $64.02 | $64.02 | 7/26/2009 9:16:17 PM |
| Mr_Katana | $25.00 | $25.00 | 7/19/2009 10:10:08 AM |
| AndyT1999 | $50.00 | $50.00 | 7/19/2009 9:36:03 PM |
| chkrvrty | $25.00 | $25.00 | 7/20/2009 7:06:22 AM |
| Ronnieboy888 | $25.00 | $25.00 | 7/20/2009 10:38:10 PM |
| karmanxten | $100.00 | $100.00 | 7/21/2009 5:28:32 AM |
| periko | $25.00 | $25.00 | 7/21/2009 7:23:54 AM |
| whitebalcony | $25.00 | $25.00 | 7/21/2009 9:51:30 AM |
| maverick32 | $50.00 | $50.00 | 7/21/2009 8:19:24 PM |
| sweety075 | $25.00 | $25.00 | 7/22/2009 3:49:27 PM |
| Engineer44 | $30.00 | $30.00 | 7/23/2009 5:40:02 AM |
| ColoradoBanker | $25.08 | $25.08 | 7/24/2009 10:00:43 PM |
| joebob78 | $50.00 | $50.00 | 7/25/2009 9:57:33 AM |
| prestar | $47.67 | $10.76 | 7/25/2009 11:09:35 AM |
| Flying_Tilapia | $100.00 | $100.00 | 7/25/2009 10:03:32 PM |
| CMDCO | $50.00 | $50.00 | 7/26/2009 10:59:41 AM |
| titancash4u | $25.00 | $25.00 | 7/26/2009 8:34:06 PM |
| lagnisiruk | $33.00 | $33.00 | 7/26/2009 5:16:04 PM |
| 28 bids
|
Borrower Payment Dependent Notes Series
417200
This series of Notes was issued and sold upon the funding of the borrower loan #38092, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| B |
Auction start date:
| Jul-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 12.97% |
Starting borrower rate/APR:
| 13.97% / 16.13% |
Starting monthly payment:
| $187.90 |
|
Final lender yield:
| 12.95% |
Final borrower rate/APR:
| 13.95% / 16.11% |
Final monthly payment:
| $187.84 |
| |
|
Auction yield range:
| 6.27% - 12.97% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.73% | | |
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-2004 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 9
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,856 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 12% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| epponomics101 |
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:
| 12 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(Jun-2008)
|
|
Principal balance:
| $7,173.51 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Investment Project
Purpose of loan:
This loan will be going toward a small long/short investment strategy that I put together. The money will be used to provide liquidity for the strategy and will be sitting in cash in my bank account until the strategy gets up and running. The losses I could incur from the strategy will be limited with use of call/put options, while the gains will not be limited.
My financial situation:
I am a good candidate for this loan because I have good credit, have plenty of disposible income every month (about $1500), and have never missed payments. I currently work in downtown Chicago for a Hedge Fund and work with these types of strategies on a daily basis.
Monthly net income: $ 4000
Monthly expenses: $ 2500
Housing: $ 800
Insurance: $ 120
Car expenses: $ 380
Utilities: $ 100
Phone, cable, internet: $ 100
Food, entertainment: $ 300
Clothing, household expenses $ 200
Credit cards and other loans: $ 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) |
|
| kegs | $250.00 | $250.00 | 7/20/2009 5:24:22 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/20/2009 5:24:29 PM |
| hopethisworks | $50.00 | $50.00 | 7/20/2009 5:24:58 PM |
| loiosh | $25.00 | $25.00 | 7/20/2009 5:25:11 PM |
| SNH | $25.00 | $25.00 | 7/20/2009 5:25:43 PM |
| anton | $25.00 | $25.00 | 7/20/2009 5:24:15 PM |
| chlebie | $25.00 | $25.00 | 7/20/2009 5:24:51 PM |
| ah-long | $25.00 | $25.00 | 7/20/2009 5:26:44 PM |
| nodrivelpls | $25.00 | $25.00 | 7/20/2009 5:26:58 PM |
| Panitza | $100.00 | $100.00 | 7/20/2009 5:33:15 PM |
| GElender | $50.00 | $50.00 | 7/20/2009 5:33:39 PM |
| figs4u2 | $200.00 | $200.00 | 7/20/2009 5:29:19 PM |
| beyondmanagement | $25.00 | $25.00 | 7/20/2009 5:34:25 PM |
| namisguy | $25.00 | $25.00 | 7/20/2009 5:29:51 PM |
| skiberdad | $50.00 | $50.00 | 7/20/2009 5:35:30 PM |
| mydreamsagain | $50.00 | $50.00 | 7/20/2009 5:31:23 PM |
| don8ter | $25.00 | $25.00 | 7/20/2009 5:34:51 PM |
| wings2fly | $25.00 | $25.00 | 7/20/2009 5:34:19 PM |
| PHI4308 | $25.00 | $25.00 | 7/20/2009 5:39:13 PM |
| p2ploan-battalion509 | $50.00 | $50.00 | 7/20/2009 5:35:19 PM |
| lagnisiruk | $25.00 | $25.00 | 7/20/2009 5:36:21 PM |
| spike16 | $25.00 | $25.00 | 7/20/2009 5:41:16 PM |
| ohnezweck | $25.00 | $25.00 | 7/20/2009 5:41:51 PM |
| Quetz | $25.00 | $25.00 | 7/20/2009 5:41:58 PM |
| Champpilot | $50.00 | $50.00 | 7/20/2009 5:38:17 PM |
| Superc0ld | $100.00 | $100.00 | 7/20/2009 5:42:55 PM |
| thedreamer | $25.00 | $25.00 | 7/20/2009 5:39:56 PM |
| keeks | $25.00 | $25.00 | 7/20/2009 5:40:22 PM |
| LordKinbote | $25.00 | $25.00 | 7/20/2009 5:40:54 PM |
| Westsider | $25.00 | $25.00 | 7/20/2009 5:42:47 PM |
| 02bob | $25.00 | $25.00 | 7/20/2009 5:42:42 PM |
| wwwUniversal | $25.00 | $25.00 | 7/20/2009 5:44:13 PM |
| utukxul | $25.00 | $25.00 | 7/20/2009 5:44:58 PM |
| Ryman81580 | $25.00 | $25.00 | 7/20/2009 5:46:08 PM |
| Aquani | $50.00 | $50.00 | 7/20/2009 5:46:22 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 5:47:07 PM |
| mollybosco | $50.00 | $50.00 | 7/20/2009 5:47:44 PM |
| divedude | $25.00 | $25.00 | 7/20/2009 5:47:52 PM |
| dunedin | $25.00 | $25.00 | 7/20/2009 5:52:24 PM |
| Ilikupono | $28.69 | $28.69 | 7/21/2009 6:42:36 AM |
| killdare | $25.00 | $25.00 | 7/21/2009 8:12:12 AM |
| money-expert | $50.00 | $50.00 | 7/21/2009 9:43:11 AM |
| Cubsfan07 | $25.00 | $25.00 | 7/21/2009 12:07:20 PM |
| Haydendover | $25.00 | $25.00 | 7/21/2009 12:08:36 PM |
| RationalWorld | $25.00 | $25.00 | 7/21/2009 2:11:49 PM |
| incbx | $50.00 | $50.00 | 7/21/2009 9:46:47 PM |
| koyote | $50.00 | $50.00 | 7/22/2009 8:49:50 AM |
| djp127 | $25.00 | $25.00 | 7/22/2009 12:07:16 AM |
| BankOfShaun | $25.00 | $25.00 | 7/22/2009 5:37:36 AM |
| mpactlender | $25.00 | $25.00 | 7/22/2009 11:22:24 AM |
| Adam_00 | $33.96 | $33.96 | 7/22/2009 11:02:21 AM |
| YogaDude34 | $50.00 | $50.00 | 7/22/2009 3:11:57 PM |
| jetblack | $50.00 | $50.00 | 7/22/2009 10:02:00 PM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:50 AM |
| theRabbi | $25.00 | $25.00 | 7/23/2009 9:32:56 AM |
| able2help | $25.00 | $25.00 | 7/23/2009 9:33:40 AM |
| chkrvrty | $25.00 | $25.00 | 7/23/2009 10:38:05 AM |
| brazilofmux | $100.00 | $100.00 | 7/23/2009 12:27:52 PM |
| Orringo | $25.00 | $25.00 | 7/23/2009 6:28:21 PM |
| RusRobo | $25.00 | $25.00 | 7/23/2009 9:36:54 PM |
| bondhedger | $25.00 | $25.00 | 7/24/2009 7:50:22 AM |
| BusyAgent | $25.00 | $25.00 | 7/24/2009 7:16:49 AM |
| IP | $50.00 | $50.00 | 7/24/2009 8:33:45 AM |
| Westerly | $50.00 | $50.00 | 7/24/2009 9:26:49 AM |
| MrBadExample | $150.00 | $150.00 | 7/24/2009 9:49:18 AM |
| fortytwo | $70.00 | $70.00 | 7/25/2009 9:01:55 PM |
| BustosProp | $25.00 | $25.00 | 7/26/2009 6:47:20 AM |
| mtp | $50.00 | $50.00 | 7/26/2009 2:32:24 PM |
| rmachi | $25.00 | $25.00 | 7/20/2009 5:24:44 PM |
| d_grbg | $25.00 | $25.00 | 7/20/2009 5:25:26 PM |
| jbarron | $25.00 | $25.00 | 7/20/2009 5:27:27 PM |
| tlp43 | $25.00 | $25.00 | 7/20/2009 5:23:34 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/20/2009 5:28:04 PM |
| TennSquire | $25.00 | $25.00 | 7/20/2009 5:23:55 PM |
| MBIntl | $25.00 | $25.00 | 7/20/2009 5:29:00 PM |
| larrybird | $250.00 | $250.00 | 7/20/2009 5:24:35 PM |
| ualf | $50.00 | $50.00 | 7/20/2009 5:29:56 PM |
| Artist_Blue | $25.00 | $25.00 | 7/20/2009 5:30:37 PM |
| Trojan1976 | $25.00 | $25.00 | 7/20/2009 5:31:01 PM |
| pksfunds | $50.00 | $50.00 | 7/20/2009 5:27:20 PM |
| Carpetkid | $25.00 | $25.00 | 7/20/2009 5:31:20 PM |
| cropdust3r | $25.00 | $25.00 | 7/20/2009 5:33:32 PM |
| ibuystk | $50.00 | $50.00 | 7/20/2009 5:28:41 PM |
| 888168 | $25.00 | $25.00 | 7/20/2009 5:29:32 PM |
| pbo922 | $25.00 | $25.00 | 7/20/2009 5:34:57 PM |
| Tavita | $25.00 | $25.00 | 7/20/2009 5:30:55 PM |
| IceFisherman | $50.00 | $50.00 | 7/20/2009 5:35:43 PM |
| Cre8iveCash | $25.00 | $25.00 | 7/20/2009 5:31:09 PM |
| Weaverville | $75.00 | $75.00 | 7/20/2009 5:32:56 PM |
| jstefans | $25.00 | $25.00 | 7/20/2009 5:33:11 PM |
| Syzygy | $25.00 | $25.00 | 7/20/2009 5:34:00 PM |
| kaykarun | $25.00 | $25.00 | 7/20/2009 5:34:42 PM |
| Josta | $50.00 | $50.00 | 7/20/2009 5:35:35 PM |
| MidnightBank | $25.00 | $25.00 | 7/20/2009 5:39:39 PM |
| somebody32 | $25.00 | $25.00 | 7/20/2009 5:40:14 PM |
| money2k | $25.00 | $25.00 | 7/20/2009 5:37:58 PM |
| compassion-paladin042 | $25.00 | $25.00 | 7/20/2009 5:41:45 PM |
| GMPK_TLAS | $45.00 | $45.00 | 7/20/2009 5:38:27 PM |
| kyxysyx | $50.00 | $50.00 | 7/20/2009 5:42:13 PM |
| ribbles | $50.00 | $50.00 | 7/20/2009 5:38:42 PM |
| puifais | $25.00 | $25.00 | 7/20/2009 5:42:21 PM |
| apetrock | $50.00 | $50.00 | 7/20/2009 5:43:36 PM |
| kumpa2u | $25.00 | $25.00 | 7/20/2009 5:40:27 PM |
| PalmTreeIsland | $50.00 | $50.00 | 7/20/2009 5:40:34 PM |
| LibbyZ | $50.00 | $50.00 | 7/20/2009 5:41:34 PM |
| AdamClemSC | $25.00 | $25.00 | 7/20/2009 5:52:25 PM |
| zaxsan | $25.00 | $25.00 | 7/20/2009 5:43:04 PM |
| CaboWaboRobo | $25.00 | $25.00 | 7/20/2009 5:43:42 PM |
| madpinto21 | $39.62 | $39.62 | 7/20/2009 5:44:42 PM |
| skibum65 | $50.00 | $50.00 | 7/20/2009 7:32:06 PM |
| Hexnut | $25.00 | $25.00 | 7/20/2009 9:32:21 PM |
| andrewnar | $25.00 | $25.00 | 7/21/2009 2:56:40 AM |
| Sixmil | $25.00 | $25.00 | 7/21/2009 9:36:30 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:42:45 AM |
| mmckune | $25.00 | $25.00 | 7/21/2009 8:26:46 AM |
| bulabula | $25.00 | $25.00 | 7/21/2009 11:26:50 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:52:23 AM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:47:17 AM |
| madmccoy | $25.00 | $25.00 | 7/21/2009 2:11:53 PM |
| EricLender | $25.00 | $25.00 | 7/22/2009 12:17:13 AM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:11:46 AM |
| Cbgator | $25.00 | $25.00 | 7/22/2009 5:41:55 AM |
| salala | $25.00 | $25.00 | 7/22/2009 6:01:33 PM |
| cyberie21 | $50.00 | $50.00 | 7/22/2009 2:36:51 PM |
| AKJagMan | $25.00 | $25.00 | 7/22/2009 2:57:27 PM |
| sail120 | $25.00 | $25.00 | 7/22/2009 6:22:12 PM |
| gilbow | $25.00 | $25.00 | 7/23/2009 1:57:30 AM |
| alverado | $30.80 | $30.80 | 7/23/2009 5:46:36 AM |
| DadWarbucks | $50.00 | $50.00 | 7/23/2009 9:34:12 AM |
| WorldlyWorker | $25.00 | $25.00 | 7/23/2009 9:33:08 AM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 9:47:28 AM |
| ahalls | $25.00 | $25.00 | 7/23/2009 1:06:42 PM |
| linklady | $25.00 | $25.00 | 7/23/2009 9:16:48 PM |
| PaulW | $25.00 | $25.00 | 7/24/2009 5:46:38 AM |
| the-profit-oracle | $25.00 | $25.00 | 7/23/2009 8:16:41 PM |
| taylor883 | $25.00 | $25.00 | 7/24/2009 8:33:46 AM |
| twohorn | $25.00 | $25.00 | 7/24/2009 8:33:13 AM |
| tomxnsn | $25.00 | $25.00 | 7/24/2009 9:31:46 AM |
| LenderByDay | $25.00 | $16.93 | 7/24/2009 10:57:22 AM |
| rjleves | $25.00 | $25.00 | 7/24/2009 10:18:12 AM |
| MrDavid | $60.00 | $60.00 | 7/26/2009 8:54:54 AM |
| bank-of-lomax | $50.00 | $50.00 | 7/26/2009 2:12:06 PM |
| 142 bids
|