Sales Report:Supplement No. 13 dated Aug 07, 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
416342
This series of Notes was issued and sold upon the funding of the borrower loan #38122, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 20.05% |
Starting borrower rate/APR:
| 21.05% / 23.30% |
Starting monthly payment:
| $94.25 |
|
Final lender yield:
| 16.00% |
Final borrower rate/APR:
| 17.00% / 19.20% |
Final monthly payment:
| $89.13 |
| |
|
Auction yield range:
| 8.23% - 20.05% |
Estimated loss impact:
| 6.86% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.14% | | |
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:
| Dec-1999 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 7 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,439 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 83% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Greyed |
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
Credit Card Payoff
Purpose of loan:
To pay off a high interest (30%) credit card which I have carried for years.
My financial situation:
I have had several years of employment and currently am in a very stable job. I did not fall into the get-a-house-fast schemes of the past few years and can comfortably manage the debt that I have. This loan is simply a matter of clearing a high interest credit card and replacing it with a lower interest loan with similar or lower payments. Currently I am paying $90/month towards this card which is slightly above the minimums set by the credit card company. Having the loan would allow me to make similar payments with a larger percentage going towards the principle.
Monthly net income: $2490
Monthly expenses: $1430
Housing: $550
Insurance: $100
Car expenses: $170
Utilities: $60
Phone, cable, internet: $50
Food, entertainment: $300
Credit cards and other loans: $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:
How many months of your salary do you have saved in case you lose your job? - blLending
A:
Saving hasn't been too easy. 1/2 month so far.
(Jul-14-2009)
Q:
I do not understand, based on your description, you are netting (i.e. should be saving) about $1000 per month? How is it that you only have 1/2 month savings in reserve? Also, do you realistically average only $10 per day on food / entertainment? - jchurchi
A:
Because Prosper's basic loan questions do not properly convey the reality of married couples. What I listed were my obligations which is what was asked. The bulk of the rest goes for helping my wife with her obligations. If Prosper had a better method of conveying married couples it would be far easier to answer accurately.
As for the food/entertainment, yes. Between Netflix ($25/month) and MMOs ($14/month) my entertainment comes out to just over $1/day. $130/week groceries / 2 people.
(Jul-15-2009)
Q:
You mention having a stable job could you give us some information on what you do?
thanks and good luck. - Hawkeyebank
A:
Good question since I answered "Other", none of the other categories seemed to apply. I work first level technical support for a company that produces and sells POS systems used by companies in hospitality, gambling, sports, dining and entertainment.
(Jul-24-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Stahl | $31.89 | $31.89 | 7/14/2009 1:04:44 PM |
| LarryNY | $25.00 | $25.00 | 7/14/2009 12:20:54 PM |
| raccoon123 | $50.00 | $50.00 | 7/14/2009 1:57:56 PM |
| theMcompany | $50.00 | $50.00 | 7/14/2009 4:53:24 PM |
| mlj0671 | $100.00 | $100.00 | 7/15/2009 10:01:07 AM |
| IPG1 | $50.00 | $50.00 | 7/15/2009 3:11:56 PM |
| Kelor99 | $25.00 | $25.00 | 7/15/2009 7:48:24 PM |
| Bikerider | $90.00 | $90.00 | 7/16/2009 9:55:56 AM |
| kazanov | $50.00 | $50.00 | 7/16/2009 1:26:05 PM |
| Midg | $25.00 | $25.00 | 7/17/2009 9:17:28 AM |
| Wittlich | $75.00 | $75.00 | 7/17/2009 8:49:49 AM |
| Rogelio48 | $25.00 | $25.00 | 7/17/2009 2:11:50 PM |
| Top_Gun_Lender | $51.00 | $51.00 | 7/17/2009 1:07:07 PM |
| the-debt-fluffy-bunny | $100.00 | $100.00 | 7/19/2009 3:07:03 PM |
| xyzlmno | $50.00 | $50.00 | 7/19/2009 6:06:59 PM |
| sugybutt | $50.00 | $50.00 | 7/19/2009 9:14:02 PM |
| chkrvrty | $25.00 | $25.00 | 7/20/2009 6:57:00 AM |
| ali82 | $25.00 | $25.00 | 7/20/2009 10:55:53 AM |
| Grandmahoneybee | $25.00 | $25.00 | 7/20/2009 1:56:22 PM |
| mojii77 | $40.00 | $40.00 | 7/20/2009 11:06:47 AM |
| krishopper | $25.00 | $25.00 | 7/21/2009 5:49:53 PM |
| peregrine | $25.00 | $25.00 | 7/23/2009 3:37:10 PM |
| randsenterprise | $25.00 | $25.00 | 7/25/2009 5:06:23 PM |
| crazor | $25.00 | $25.00 | 7/25/2009 11:39:14 PM |
| CMDCO | $50.00 | $50.00 | 7/26/2009 12:45:29 PM |
| illini08actuary | $25.00 | $25.00 | 7/27/2009 9:55:08 AM |
| sboyleston | $50.00 | $50.00 | 7/27/2009 3:51:06 PM |
| money-expert | $25.00 | $25.00 | 7/28/2009 9:52:53 AM |
| friendinmoney | $50.00 | $50.00 | 7/28/2009 11:21:45 AM |
| simiray | $25.00 | $25.00 | 7/28/2009 11:15:30 AM |
| charb57 | $100.00 | $100.00 | 7/14/2009 12:21:09 PM |
| fuke | $25.00 | $24.82 | 7/14/2009 12:26:39 PM |
| vinzbee | $50.00 | $50.00 | 7/14/2009 1:09:21 PM |
| moninoshir | $25.00 | $25.00 | 7/14/2009 1:21:51 PM |
| fenn1987 | $25.00 | $25.00 | 7/14/2009 1:30:23 PM |
| vinzbee | $50.00 | $50.00 | 7/14/2009 1:11:34 PM |
| stonehillloans | $50.00 | $50.00 | 7/15/2009 4:09:56 AM |
| CashBank | $25.00 | $25.00 | 7/15/2009 9:17:09 AM |
| Jonathan_E | $75.00 | $75.00 | 7/15/2009 11:10:38 AM |
| jchurchi | $25.00 | $25.00 | 7/15/2009 5:30:45 PM |
| rpd1211 | $25.00 | $25.00 | 7/16/2009 10:06:07 AM |
| bondhedger | $25.00 | $25.00 | 7/16/2009 9:18:57 AM |
| BumblingStunmbling | $50.00 | $50.00 | 7/16/2009 9:33:57 PM |
| KSgirl89 | $50.00 | $50.00 | 7/17/2009 12:29:25 AM |
| herman7 | $25.00 | $25.00 | 7/19/2009 7:09:15 PM |
| DPINV1985 | $25.00 | $25.00 | 7/20/2009 12:07:56 AM |
| curious166 | $50.00 | $50.00 | 7/20/2009 2:56:59 PM |
| AM2008 | $25.00 | $25.00 | 7/20/2009 5:14:56 PM |
| dpries123 | $25.00 | $25.00 | 7/23/2009 9:53:05 AM |
| Johnab | $25.00 | $25.00 | 7/25/2009 3:03:49 PM |
| sknop64 | $50.00 | $50.00 | 7/25/2009 10:18:01 PM |
| Hawkeyebank | $25.00 | $25.00 | 7/26/2009 12:38:31 PM |
| building_community | $25.00 | $25.00 | 7/26/2009 5:42:05 PM |
| barkochva | $25.00 | $25.00 | 7/27/2009 12:32:22 PM |
| dudebrah | $25.00 | $25.00 | 7/27/2009 4:28:57 PM |
| havok555 | $37.29 | $37.29 | 7/27/2009 6:19:57 PM |
| Syzygy | $25.00 | $25.00 | 7/27/2009 7:25:51 PM |
| bitano | $50.00 | $50.00 | 7/28/2009 6:53:05 AM |
| Taho | $50.00 | $50.00 | 7/28/2009 6:59:28 AM |
| Gaelicman | $100.00 | $100.00 | 7/28/2009 9:58:46 AM |
| rgiesick | $25.00 | $25.00 | 7/28/2009 11:13:37 AM |
| 61 bids
|
Borrower Payment Dependent Notes Series
416352
This series of Notes was issued and sold upon the funding of the borrower loan #38114, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 20.05% |
Starting borrower rate/APR:
| 21.05% / 23.30% |
Starting monthly payment:
| $113.10 |
|
Final lender yield:
| 15.00% |
Final borrower rate/APR:
| 16.00% / 18.18% |
Final monthly payment:
| $105.47 |
| |
|
Auction yield range:
| 8.23% - 20.05% |
Estimated loss impact:
| 6.84% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.16% | | |
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:
| Aug-2005 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 8 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,133 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 59% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| campruitt05 |
Borrower's state:
| Utah |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 25 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $11,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(May-2009)
660-680
(Dec-2007)
620-640
(Dec-2006)
|
|
Principal balance:
| $2,918.40 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Pay off Debt
The purpose of this loan is to pay off a personal debt owed to a friend. I've used Prosper before and have never had a late payment.
Monthly Net Income: $2600
Expenses
Rent: $300
Utilities: $100
Car Insurance: $64 (I own my car and do not have payments)
Food/Gas: $300
Loans: $200
Credit Cards: $500
---------------------------------
Total Monthly Expenses: $1464
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:
Wood love to help bid your rate down but can you tell me why you took a picture of a July 2006 billing statement for us to view? Not good - MrVegas
A:
I did not upload that picture. It is one of the default pictures provided by Prosper. Thanks for your consideration.
(Jul-21-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ibuystk | $50.00 | $50.00 | 7/14/2009 2:15:34 PM |
| theMcompany | $50.00 | $50.00 | 7/14/2009 4:14:30 PM |
| stonehillloans | $50.00 | $50.00 | 7/15/2009 4:07:37 AM |
| twjh | $25.00 | $25.00 | 7/15/2009 5:34:49 PM |
| Kelor99 | $25.00 | $25.00 | 7/15/2009 7:45:09 PM |
| 73Darin | $50.00 | $50.00 | 7/16/2009 7:05:14 AM |
| jchurchi | $50.00 | $50.00 | 7/16/2009 10:12:27 AM |
| Sartre | $50.00 | $50.00 | 7/16/2009 1:38:00 PM |
| meanoldlady | $50.00 | $50.00 | 7/17/2009 10:30:23 AM |
| LarryNY | $25.00 | $25.00 | 7/18/2009 2:46:41 AM |
| the-debt-fluffy-bunny | $100.00 | $100.00 | 7/17/2009 11:58:57 PM |
| AustinAmerica | $25.00 | $25.00 | 7/18/2009 5:24:08 PM |
| cougar121469 | $60.00 | $60.00 | 7/19/2009 8:13:56 PM |
| rob095 | $50.00 | $50.00 | 7/19/2009 6:59:56 PM |
| TEAM-Jasper | $100.00 | $100.00 | 7/20/2009 3:17:19 PM |
| P2PHelper | $25.00 | $25.00 | 7/21/2009 1:04:22 PM |
| krishopper | $25.00 | $25.00 | 7/21/2009 5:47:44 PM |
| Tahoeman | $50.00 | $50.00 | 7/22/2009 12:43:45 PM |
| Credit2Prosper | $25.00 | $25.00 | 7/24/2009 10:06:41 AM |
| Spartamare | $25.00 | $25.00 | 7/24/2009 3:42:31 PM |
| srthsvghdthtr | $25.00 | $25.00 | 7/25/2009 9:31:40 PM |
| rpd1211 | $25.00 | $25.00 | 7/27/2009 7:07:29 AM |
| DADOF1 | $25.00 | $25.00 | 7/27/2009 9:06:59 AM |
| DaddyBill | $25.00 | $25.00 | 7/27/2009 10:13:04 AM |
| b1geasy | $25.00 | $25.00 | 7/27/2009 5:35:53 PM |
| CA_Lender | $25.00 | $25.00 | 7/27/2009 9:05:32 PM |
| spiff666 | $25.00 | $25.00 | 7/27/2009 8:16:48 PM |
| OzGuy609 | $25.00 | $25.00 | 7/27/2009 9:39:20 PM |
| Leshan | $50.00 | $50.00 | 7/28/2009 8:00:51 AM |
| JJ-Loans | $100.00 | $100.00 | 7/28/2009 6:00:18 AM |
| ookamikun | $100.00 | $100.00 | 7/28/2009 10:16:49 AM |
| RecoveryLender | $25.00 | $25.00 | 7/28/2009 11:19:18 AM |
| dblakels | $25.00 | $25.00 | 7/28/2009 11:04:23 AM |
| dudebrah | $25.00 | $25.00 | 7/28/2009 11:10:54 AM |
| charb57 | $100.00 | $100.00 | 7/14/2009 12:19:20 PM |
| Rose22 | $50.00 | $50.00 | 7/14/2009 12:21:12 PM |
| gpuck | $25.00 | $25.00 | 7/14/2009 12:37:11 PM |
| raccoon123 | $50.00 | $50.00 | 7/14/2009 1:56:17 PM |
| bluebouyz | $50.00 | $50.00 | 7/14/2009 6:54:57 PM |
| Ray3486 | $25.00 | $25.00 | 7/15/2009 7:06:02 AM |
| engbusres | $50.00 | $50.00 | 7/15/2009 8:38:40 PM |
| bondhedger | $25.00 | $25.00 | 7/16/2009 9:26:36 AM |
| aldeed | $78.86 | $78.86 | 7/16/2009 3:28:23 PM |
| stonehillloans | $50.00 | $50.00 | 7/16/2009 6:36:49 PM |
| BumblingStunmbling | $50.00 | $50.00 | 7/16/2009 9:33:16 PM |
| Rogelio48 | $25.00 | $25.00 | 7/17/2009 2:11:47 PM |
| dpries123 | $50.00 | $50.00 | 7/17/2009 12:24:50 PM |
| eprometheus | $120.00 | $120.00 | 7/18/2009 5:04:34 AM |
| rustyjames | $50.00 | $50.00 | 7/18/2009 9:56:19 AM |
| Matt_Colsia | $50.00 | $50.00 | 7/18/2009 4:58:57 PM |
| xyzlmno | $50.00 | $50.00 | 7/19/2009 6:06:53 PM |
| chkrvrty | $25.00 | $25.00 | 7/20/2009 6:56:55 AM |
| northern_paddler | $25.00 | $25.00 | 7/20/2009 11:09:08 AM |
| yikers | $25.00 | $25.00 | 7/21/2009 11:55:54 AM |
| djp127 | $25.00 | $25.00 | 7/21/2009 11:53:10 PM |
| CashBank | $25.00 | $25.00 | 7/22/2009 9:16:56 AM |
| dpries123 | $25.00 | $25.00 | 7/23/2009 9:51:41 AM |
| planky | $50.00 | $33.26 | 7/24/2009 10:42:10 AM |
| Stepashka | $50.00 | $50.00 | 7/24/2009 10:49:39 AM |
| rockhound84 | $50.00 | $50.00 | 7/25/2009 4:33:31 AM |
| CASSHMAN | $50.00 | $50.00 | 7/25/2009 10:48:12 AM |
| Tizzo27 | $100.00 | $100.00 | 7/27/2009 5:58:24 PM |
| crazybunga | $25.00 | $25.00 | 7/27/2009 4:43:00 PM |
| VitaminFunk | $25.00 | $25.00 | 7/27/2009 8:15:43 PM |
| ochardlender | $25.00 | $25.00 | 7/28/2009 6:48:32 AM |
| mlj0671 | $57.88 | $57.88 | 7/28/2009 8:19:57 AM |
| Stahl | $25.00 | $25.00 | 7/28/2009 7:03:33 AM |
| r1j2r3 | $25.00 | $25.00 | 7/28/2009 8:25:00 AM |
| money-expert | $25.00 | $25.00 | 7/28/2009 8:37:58 AM |
| simiray | $25.00 | $25.00 | 7/28/2009 11:16:30 AM |
| 70 bids
|
Borrower Payment Dependent Notes Series
416564
This series of Notes was issued and sold upon the funding of the borrower loan #38117, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 10.52% |
Starting borrower rate/APR:
| 11.52% / 13.65% |
Starting monthly payment:
| $494.78 |
|
Final lender yield:
| 8.19% |
Final borrower rate/APR:
| 9.19% / 11.29% |
Final monthly payment:
| $478.32 |
| |
|
Auction yield range:
| 3.23% - 10.52% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.69% | | |
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 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:
| 6 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 7
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $978 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 10% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| mjpka17 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Rental Property Improvements
Purpose of loan:
This loan will be used to?pay my contractor for improvements on my rental property
My financial situation:
I am a good candidate for this loan because?I have a steady income through my current employer with a household income of over $100,000. I also own two rental properties right next to a major university. These houses are leased out until May of 2009 and I have never had a problem finding tennants. Between the two properties I am bringing in $659.00 in profit after my mortgage payments, taxes, insurance, lawn care...etc. The rental properties alone will cover my loan payments to prosper.
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 plan to pay this off early? - justme4now
A:
Initially no but after 8 - 12 months I may reevaluate based on my financial situation.
(Jul-16-2009)
Q:
Did you mean to say the properties were rented out until May 2010? - Tahoe
A:
Correct, my mistake. They are leased until May of 2010.
(Jul-17-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| totoro | $25.00 | $25.00 | 7/14/2009 5:36:34 PM |
| Sixmil | $25.00 | $25.00 | 7/14/2009 5:36:55 PM |
| DukSerduk | $25.00 | $25.00 | 7/14/2009 5:37:08 PM |
| NJNY | $25.00 | $25.00 | 7/14/2009 5:37:27 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/14/2009 5:38:45 PM |
| gotyourgear | $25.00 | $25.00 | 7/14/2009 5:38:52 PM |
| virtualbank | $25.00 | $25.00 | 7/14/2009 5:36:59 PM |
| bradwill | $50.00 | $50.00 | 7/14/2009 5:39:06 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/14/2009 5:39:23 PM |
| vtr1000 | $25.51 | $25.51 | 7/14/2009 5:39:44 PM |
| larrybird | $250.00 | $250.00 | 7/14/2009 5:40:25 PM |
| Binan | $25.00 | $25.00 | 7/14/2009 5:40:09 PM |
| tallcoolone | $25.00 | $25.00 | 7/14/2009 5:38:57 PM |
| truth-companion | $25.00 | $25.00 | 7/14/2009 5:39:52 PM |
| YellowJacket | $25.00 | $25.00 | 7/14/2009 7:21:23 PM |
| dumbass | $25.00 | $25.00 | 7/14/2009 9:45:55 PM |
| markwms | $25.00 | $25.00 | 7/14/2009 8:31:05 PM |
| kenji4861 | $50.00 | $50.00 | 7/15/2009 2:03:20 AM |
| thedoctor | $25.00 | $25.00 | 7/14/2009 8:36:37 PM |
| laststrawman | $25.00 | $25.00 | 7/15/2009 12:33:06 PM |
| Thelonius10 | $25.00 | $25.00 | 7/15/2009 2:27:29 PM |
| TennSquire | $25.00 | $25.00 | 7/15/2009 4:27:59 PM |
| DrStaff | $30.00 | $30.00 | 7/15/2009 4:47:44 PM |
| anton | $25.00 | $25.00 | 7/15/2009 5:38:23 PM |
| jstefans | $25.00 | $25.00 | 7/15/2009 8:07:42 PM |
| BadgerNotes | $25.00 | $25.00 | 7/15/2009 8:18:32 PM |
| able2help | $25.00 | $25.00 | 7/16/2009 9:42:30 AM |
| cingular | $25.00 | $25.00 | 7/16/2009 10:24:14 AM |
| reueljw | $25.00 | $25.00 | 7/16/2009 10:27:50 AM |
| FCI | $25.00 | $25.00 | 7/16/2009 10:28:29 AM |
| SkonkeyGongo | $25.00 | $25.00 | 7/16/2009 10:24:45 AM |
| ana74blue | $25.00 | $25.00 | 7/16/2009 11:17:44 AM |
| onegoodlender | $25.00 | $25.00 | 7/16/2009 10:25:36 AM |
| the-swiss-vault | $25.00 | $25.00 | 7/16/2009 10:26:38 AM |
| dpdaug | $25.00 | $25.00 | 7/16/2009 10:27:45 AM |
| Aethelwolf | $25.00 | $25.00 | 7/16/2009 10:24:22 AM |
| Okeey | $25.00 | $25.00 | 7/16/2009 12:57:22 PM |
| mtpscuba | $25.00 | $25.00 | 7/16/2009 1:08:56 PM |
| Lender0424 | $25.00 | $25.00 | 7/16/2009 10:24:51 AM |
| nicklds | $30.02 | $30.02 | 7/16/2009 10:30:18 AM |
| klin | $25.00 | $25.00 | 7/16/2009 5:22:27 PM |
| outwish | $25.00 | $25.00 | 7/16/2009 3:52:42 PM |
| skistud66 | $25.00 | $25.00 | 7/16/2009 6:27:34 PM |
| ohnezweck | $25.00 | $25.00 | 7/16/2009 9:42:24 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/16/2009 6:43:01 PM |
| bigrpf5 | $25.00 | $25.00 | 7/16/2009 9:42:23 PM |
| kaykarun | $50.00 | $50.00 | 7/17/2009 12:47:27 AM |
| Mookouw | $25.00 | $25.00 | 7/17/2009 5:22:23 AM |
| Railbird | $25.00 | $25.00 | 7/16/2009 9:42:31 PM |
| laughmotel | $25.00 | $25.00 | 7/17/2009 4:01:48 AM |
| leemic | $25.00 | $25.00 | 7/17/2009 10:02:18 AM |
| papaman | $25.00 | $25.00 | 7/17/2009 9:21:41 AM |
| IceFisherman | $25.00 | $25.00 | 7/17/2009 1:06:42 PM |
| grampy48 | $25.00 | $25.00 | 7/17/2009 10:10:47 AM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 3:47:43 PM |
| outofoffice | $50.00 | $50.00 | 7/17/2009 12:40:11 PM |
| SKAGIT22 | $25.00 | $25.00 | 7/17/2009 2:41:56 PM |
| aganippe | $50.00 | $50.00 | 7/17/2009 2:06:10 PM |
| engbusres | $50.00 | $50.00 | 7/17/2009 9:01:10 PM |
| GElender | $25.00 | $25.00 | 7/17/2009 5:12:09 PM |
| bradania | $25.00 | $25.00 | 7/18/2009 2:42:32 AM |
| RandomMonkey | $25.00 | $25.00 | 7/18/2009 7:31:53 AM |
| leeball | $100.00 | $100.00 | 7/18/2009 12:56:45 PM |
| JLPicard | $50.00 | $50.00 | 7/18/2009 10:45:39 PM |
| ManhattanLender | $25.00 | $25.00 | 7/19/2009 10:56:47 AM |
| financelover | $25.00 | $25.00 | 7/19/2009 11:16:46 AM |
| krishopper | $25.00 | $25.00 | 7/19/2009 9:26:46 AM |
| djs81 | $25.00 | $25.00 | 7/19/2009 11:02:59 AM |
| LordKinbote | $25.00 | $25.00 | 7/19/2009 3:11:50 PM |
| TexasLender2007 | $50.00 | $50.00 | 7/19/2009 12:21:00 PM |
| BGILlender | $25.00 | $25.00 | 7/19/2009 12:43:24 PM |
| wjf60 | $50.00 | $50.00 | 7/19/2009 4:38:39 PM |
| yenom | $25.00 | $25.00 | 7/19/2009 2:56:40 PM |
| psanganee | $25.00 | $25.00 | 7/19/2009 6:02:28 PM |
| amijo | $26.67 | $26.67 | 7/19/2009 3:31:55 PM |
| BlindProphet | $25.00 | $25.00 | 7/19/2009 3:58:13 PM |
| jonesboyz | $25.00 | $25.00 | 7/19/2009 4:26:52 PM |
| bugleusmc | $30.00 | $30.00 | 7/19/2009 5:21:37 PM |
| andymax | $25.00 | $25.00 | 7/19/2009 5:57:00 PM |
| boxermom | $25.00 | $25.00 | 7/19/2009 9:02:27 PM |
| bankofsam | $25.00 | $25.00 | 7/19/2009 6:22:34 PM |
| dougm | $50.00 | $50.00 | 7/19/2009 7:28:16 PM |
| AgTiPinisher | $25.00 | $25.00 | 7/19/2009 11:07:39 PM |
| damage | $25.00 | $25.00 | 7/20/2009 9:32:38 AM |
| thesupplier | $25.00 | $25.00 | 7/20/2009 9:34:36 AM |
| Fahrquar | $25.00 | $25.00 | 7/20/2009 9:11:56 AM |
| Boxhead | $25.00 | $25.00 | 7/20/2009 9:27:26 AM |
| fostaman | $25.00 | $25.00 | 7/20/2009 9:32:19 AM |
| shay1727 | $25.00 | $25.00 | 7/20/2009 1:02:25 PM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 1:31:55 PM |
| MasterJin | $25.00 | $25.00 | 7/20/2009 2:32:49 PM |
| SkipMcGrath | $50.00 | $50.00 | 7/20/2009 11:53:51 AM |
| tashara | $50.00 | $50.00 | 7/20/2009 11:54:05 AM |
| TJ-Financial-Group | $55.00 | $55.00 | 7/20/2009 12:46:43 PM |
| kunger | $36.77 | $36.77 | 7/20/2009 3:11:50 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:41:48 PM |
| fyrwlker12 | $25.00 | $25.00 | 7/20/2009 7:52:19 PM |
| RiskAdverse | $50.00 | $50.00 | 7/20/2009 7:53:13 PM |
| johnsails | $50.00 | $50.00 | 7/20/2009 8:21:49 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:06:47 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:07 AM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:30 AM |
| trucklawyer | $25.00 | $25.00 | 7/21/2009 2:51:49 PM |
| sajitp | $38.05 | $38.05 | 7/21/2009 11:31:34 AM |
| Statman1 | $25.00 | $25.00 | 7/21/2009 11:06:36 AM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:47:38 AM |
| Mark-O-Polo | $25.00 | $25.00 | 7/21/2009 2:11:36 PM |
| WorldlyWorker | $25.00 | $25.00 | 7/21/2009 3:21:54 PM |
| xyzlmno | $50.00 | $50.00 | 7/21/2009 3:23:03 PM |
| b-rent | $25.00 | $25.00 | 7/21/2009 3:24:24 PM |
| ozzie | $25.00 | $25.00 | 7/21/2009 3:42:51 PM |
| albatross897 | $25.00 | $25.00 | 7/21/2009 6:11:37 PM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:56:42 AM |
| SavannahBear | $25.00 | $25.00 | 7/22/2009 8:46:58 AM |
| BHP12345 | $25.00 | $25.00 | 7/22/2009 7:14:32 AM |
| tsui517 | $25.00 | $25.00 | 7/22/2009 11:02:05 AM |
| charb57 | $30.11 | $30.11 | 7/22/2009 11:16:36 AM |
| twerns | $25.00 | $25.00 | 7/22/2009 5:27:13 PM |
| cawdrw2002 | $25.00 | $25.00 | 7/23/2009 8:56:51 AM |
| lm75 | $25.00 | $25.00 | 7/22/2009 8:35:34 PM |
| diverse2 | $50.00 | $50.00 | 7/23/2009 10:02:13 AM |
| sloak | $25.00 | $25.00 | 7/23/2009 8:46:39 AM |
| b2006 | $25.00 | $25.00 | 7/23/2009 11:32:21 AM |
| sabre79 | $25.00 | $25.00 | 7/23/2009 9:33:45 AM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 9:46:59 AM |
| Bigejv | $50.00 | $50.00 | 7/23/2009 12:22:05 PM |
| BaltimoreLender | $25.00 | $25.00 | 7/23/2009 3:16:54 PM |
| klbears | $266.60 | $266.60 | 7/23/2009 3:17:09 PM |
| thenewkaisersoze | $25.00 | $25.00 | 7/23/2009 7:42:56 PM |
| zhiguli | $50.00 | $50.00 | 7/23/2009 8:06:46 PM |
| protobam | $25.00 | $25.00 | 7/23/2009 7:46:42 PM |
| mastermvp | $50.00 | $50.00 | 7/23/2009 11:36:47 PM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:11:44 AM |
| naniamo | $25.00 | $25.00 | 7/24/2009 9:41:36 AM |
| moneyman06 | $25.00 | $25.00 | 7/24/2009 9:31:40 AM |
| rcr549 | $47.57 | $47.57 | 7/24/2009 12:46:43 PM |
| wrchism | $50.00 | $50.00 | 7/24/2009 11:06:42 AM |
| synergy4all | $25.00 | $25.00 | 7/24/2009 2:06:59 PM |
| Banker7371 | $25.00 | $25.00 | 7/24/2009 5:08:16 PM |
| faldska | $25.00 | $25.00 | 7/24/2009 5:04:14 PM |
| iLoaner | $50.00 | $50.00 | 7/24/2009 5:36:40 PM |
| zyztemboy | $25.00 | $25.00 | 7/24/2009 5:06:41 PM |
| Nothus | $25.00 | $25.00 | 7/24/2009 5:08:24 PM |
| incbx | $50.00 | $50.00 | 7/24/2009 8:11:44 PM |
| RDA | $50.00 | $50.00 | 7/24/2009 7:02:00 PM |
| jdragon | $32.26 | $32.26 | 7/24/2009 7:20:50 PM |
| buukyak | $25.00 | $25.00 | 7/25/2009 4:41:46 AM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:17 PM |
| BigCityLending | $25.00 | $25.00 | 7/26/2009 4:26:55 PM |
| Bladewil | $25.00 | $25.00 | 7/26/2009 6:36:34 PM |
| pbandjb | $25.00 | $25.00 | 7/27/2009 2:46:48 AM |
| h_corey | $25.00 | $25.00 | 7/27/2009 7:21:33 AM |
| NoNameLender | $50.00 | $50.00 | 7/26/2009 11:51:09 PM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:51:34 AM |
| dadalou | $25.00 | $25.00 | 7/27/2009 8:46:36 AM |
| gardenglow | $25.00 | $25.00 | 7/27/2009 9:31:38 AM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:01:52 PM |
| member874 | $25.00 | $25.00 | 7/27/2009 12:17:38 PM |
| blanchettec | $25.00 | $25.00 | 7/27/2009 8:56:32 PM |
| RusRobo | $25.00 | $25.00 | 7/27/2009 9:12:03 PM |
| cyonamine | $25.00 | $25.00 | 7/27/2009 10:21:44 PM |
| Eric15378 | $25.00 | $25.00 | 7/28/2009 1:13:23 AM |
| CoolHelp | $25.00 | $25.00 | 7/27/2009 7:51:34 PM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:21:37 AM |
| BankofPaul | $50.00 | $50.00 | 7/28/2009 6:21:10 AM |
| Schlawinzer | $50.00 | $8.35 | 7/28/2009 6:29:05 AM |
| money-expert | $50.00 | $50.00 | 7/28/2009 6:46:44 AM |
| stensonb | $25.00 | $25.00 | 7/28/2009 5:56:33 AM |
| taylodo | $50.00 | $50.00 | 7/27/2009 11:12:36 PM |
| Trygs | $30.00 | $30.00 | 7/28/2009 6:54:49 AM |
| sandeepPR | $25.00 | $25.00 | 7/28/2009 5:36:54 AM |
| authentic-deal8 | $25.00 | $25.00 | 7/28/2009 9:31:54 AM |
| sh71 | $25.00 | $25.00 | 7/28/2009 9:33:56 AM |
| geekguy | $25.00 | $25.00 | 7/28/2009 7:36:31 AM |
| khamen | $25.00 | $25.00 | 7/28/2009 9:47:48 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:05 AM |
| malypom | $100.00 | $100.00 | 7/28/2009 8:47:12 AM |
| Pomedorov | $50.00 | $50.00 | 7/28/2009 10:12:10 AM |
| durable-trade | $25.00 | $25.00 | 7/28/2009 9:32:25 AM |
| flexible-value | $25.00 | $25.00 | 7/28/2009 9:32:58 AM |
| wbahl | $25.00 | $25.00 | 7/28/2009 11:42:18 AM |
| rulender | $100.00 | $100.00 | 7/28/2009 10:19:04 AM |
| DMark69 | $25.00 | $25.00 | 7/28/2009 11:42:00 AM |
| JerryB96 | $25.00 | $25.00 | 7/28/2009 12:11:13 PM |
| jcar78 | $25.00 | $25.00 | 7/28/2009 12:12:50 PM |
| amlu1988 | $50.00 | $50.00 | 7/28/2009 12:18:29 PM |
| porkhelmet | $25.00 | $25.00 | 7/28/2009 11:41:43 AM |
| codyrun | $25.00 | $25.00 | 7/28/2009 11:42:14 AM |
| mjsk | $25.00 | $25.00 | 7/28/2009 12:39:04 PM |
| Spring342 | $50.00 | $50.00 | 7/28/2009 11:45:50 AM |
| benroo | $28.87 | $28.87 | 7/28/2009 12:22:15 PM |
| bass | $25.00 | $25.00 | 7/28/2009 2:57:49 PM |
| bejfishing | $50.00 | $50.00 | 7/28/2009 2:11:12 PM |
| Seattlite | $25.00 | $25.00 | 7/28/2009 2:16:43 PM |
| ColoradoLender82 | $25.00 | $25.00 | 7/28/2009 2:21:29 PM |
| lnrn | $95.53 | $95.53 | 7/28/2009 3:21:19 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:15 PM |
| csak13 | $25.00 | $25.00 | 7/28/2009 4:46:43 PM |
| shawndw | $25.00 | $25.00 | 7/28/2009 4:51:38 PM |
| Torero06 | $40.00 | $40.00 | 7/28/2009 4:54:10 PM |
| gary500 | $58.46 | $58.46 | 7/28/2009 5:06:08 PM |
| rks125 | $50.00 | $50.00 | 7/28/2009 5:30:59 PM |
| OldManP | $25.00 | $25.00 | 7/28/2009 5:31:44 PM |
| blackwater98 | $33.98 | $33.98 | 7/28/2009 5:09:02 PM |
| Kyileo | $50.00 | $50.00 | 7/28/2009 5:30:00 PM |
| ScottFinance | $50.00 | $50.00 | 7/28/2009 5:15:01 PM |
| klbears | $200.00 | $200.00 | 7/28/2009 5:20:54 PM |
| woodenshoes | $100.00 | $100.00 | 7/14/2009 5:35:46 PM |
| PaulW | $25.00 | $25.00 | 7/14/2009 5:35:50 PM |
| HibbyD | $35.00 | $35.00 | 7/14/2009 5:36:16 PM |
| MT1130 | $25.00 | $25.00 | 7/14/2009 5:36:41 PM |
| halfpintc | $25.00 | $25.00 | 7/14/2009 5:36:54 PM |
| Sigonio | $25.00 | $25.00 | 7/14/2009 5:37:15 PM |
| rjleves | $25.00 | $25.00 | 7/14/2009 5:37:20 PM |
| KBank | $25.00 | $25.00 | 7/14/2009 5:36:08 PM |
| mnmcarve | $25.00 | $25.00 | 7/14/2009 5:37:57 PM |
| abidos | $25.00 | $25.00 | 7/14/2009 5:39:14 PM |
| ChristopherHS | $25.00 | $25.00 | 7/14/2009 5:39:04 PM |
| dashawn | $25.00 | $25.00 | 7/14/2009 5:37:36 PM |
| atlviet | $25.00 | $25.00 | 7/14/2009 5:39:31 PM |
| pakrbkr | $25.00 | $25.00 | 7/14/2009 5:37:52 PM |
| jbadawg1017 | $25.00 | $25.00 | 7/14/2009 5:39:35 PM |
| K2Outlaws | $25.00 | $25.00 | 7/14/2009 5:40:06 PM |
| salala | $25.00 | $25.00 | 7/14/2009 5:38:03 PM |
| Hutpit | $75.00 | $75.00 | 7/14/2009 5:40:13 PM |
| kegs | $250.00 | $250.00 | 7/14/2009 5:38:10 PM |
| ayerobbie | $25.00 | $25.00 | 7/14/2009 6:56:16 PM |
| Loan_Stranger | $50.00 | $50.00 | 7/14/2009 7:59:04 PM |
| peb44 | $25.00 | $25.00 | 7/14/2009 6:46:03 PM |
| DeathScythe676 | $25.00 | $25.00 | 7/14/2009 10:05:52 PM |
| Artist_Blue | $25.00 | $25.00 | 7/15/2009 6:04:07 AM |
| 888168 | $50.00 | $50.00 | 7/15/2009 10:58:00 AM |
| guaton | $25.00 | $25.00 | 7/15/2009 1:37:45 PM |
| mrzz | $25.00 | $25.00 | 7/15/2009 2:47:49 PM |
| BenBernanke | $25.00 | $25.00 | 7/15/2009 5:38:11 PM |
| bikingbtb | $25.00 | $25.00 | 7/16/2009 10:24:20 AM |
| Dan12781 | $25.00 | $25.00 | 7/16/2009 10:27:15 AM |
| mbever10 | $27.04 | $27.04 | 7/16/2009 10:30:01 AM |
| ach | $100.00 | $100.00 | 7/16/2009 8:05:56 AM |
| fotep-financial | $30.00 | $30.00 | 7/16/2009 10:26:49 AM |
| PatRichi | $25.00 | $25.00 | 7/16/2009 10:27:00 AM |
| SKG | $25.00 | $25.00 | 7/16/2009 10:27:47 AM |
| brit11 | $25.00 | $25.00 | 7/16/2009 10:24:35 AM |
| TadleyRPh | $25.00 | $25.00 | 7/16/2009 10:24:49 AM |
| davidy | $25.00 | $25.00 | 7/16/2009 10:25:07 AM |
| Syzygy | $25.00 | $25.00 | 7/16/2009 11:28:00 AM |
| kubien | $25.00 | $25.00 | 7/16/2009 10:26:58 AM |
| John_14_6 | $25.00 | $25.00 | 7/16/2009 11:32:23 AM |
| Guiren | $50.00 | $50.00 | 7/16/2009 12:57:27 PM |
| fdsguy | $50.00 | $50.00 | 7/16/2009 4:32:48 PM |
| fontana | $25.00 | $25.00 | 7/16/2009 4:32:50 PM |
| johannesfactotum | $25.00 | $25.00 | 7/16/2009 4:57:53 PM |
| CarlC | $25.00 | $25.00 | 7/16/2009 6:52:58 PM |
| lendlubber | $50.00 | $50.00 | 7/16/2009 9:17:38 PM |
| omahajay | $80.00 | $80.00 | 7/16/2009 11:26:01 PM |
| lululender | $50.00 | $50.00 | 7/16/2009 7:34:33 PM |
| rebeldog67 | $50.00 | $50.00 | 7/16/2009 11:15:37 PM |
| restech | $25.00 | $25.00 | 7/16/2009 11:46:48 PM |
| oodkim84oo | $25.00 | $25.00 | 7/17/2009 2:56:45 AM |
| tylerfd | $25.00 | $25.00 | 7/17/2009 8:01:54 AM |
| turbostar666 | $50.00 | $50.00 | 7/17/2009 10:26:53 AM |
| Sumach | $25.00 | $25.00 | 7/17/2009 8:37:39 AM |
| jfd287 | $25.00 | $25.00 | 7/17/2009 8:41:54 AM |
| nytrnbow | $25.00 | $25.00 | 7/17/2009 12:46:42 PM |
| doxical | $30.00 | $30.00 | 7/17/2009 4:21:31 PM |
| aislinnn | $25.00 | $25.00 | 7/17/2009 7:32:09 PM |
| mjcjmm4407 | $25.00 | $25.00 | 7/17/2009 10:27:05 PM |
| OLYVRC | $25.00 | $25.00 | 7/17/2009 9:02:18 PM |
| beebede | $50.00 | $50.00 | 7/18/2009 9:01:47 AM |
| Apeman00 | $25.00 | $25.00 | 7/18/2009 10:17:20 AM |
| reiterpitscrambledegg | $25.00 | $25.00 | 7/18/2009 4:07:04 PM |
| L-vex | $25.00 | $25.00 | 7/18/2009 11:46:58 AM |
| statenisland51 | $50.00 | $50.00 | 7/18/2009 4:42:45 PM |
| interstellar | $100.00 | $100.00 | 7/19/2009 8:52:53 AM |
| MidnightBank | $25.00 | $25.00 | 7/19/2009 10:02:40 AM |
| AnastasiaBeaverhausen | $25.00 | $25.00 | 7/19/2009 10:06:35 AM |
| Xeo | $25.00 | $25.00 | 7/19/2009 10:47:41 AM |
| LKN2RTR | $25.00 | $25.00 | 7/19/2009 4:31:39 PM |
| OldestBrother | $50.00 | $50.00 | 7/19/2009 7:56:46 PM |
| StarE | $25.00 | $25.00 | 7/19/2009 8:56:45 PM |
| compassion-paladin042 | $25.00 | $25.00 | 7/19/2009 6:33:42 PM |
| takarlstad | $50.00 | $50.00 | 7/19/2009 7:10:25 PM |
| Imageloan | $25.00 | $25.00 | 7/20/2009 2:58:06 AM |
| grf1945 | $25.00 | $25.00 | 7/20/2009 5:46:58 AM |
| Zipline | $25.00 | $25.00 | 7/20/2009 7:27:18 AM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:07:04 PM |
| mvpratt | $25.00 | $25.00 | 7/20/2009 7:01:38 AM |
| Ireland64 | $25.00 | $25.00 | 7/20/2009 8:01:51 AM |
| kanewna | $50.00 | $50.00 | 7/20/2009 9:31:42 AM |
| IWANT2HELP | $25.00 | $25.00 | 7/20/2009 1:02:11 PM |
| social-comet224 | $25.00 | $25.00 | 7/20/2009 9:36:22 AM |
| timmydaddy | $25.00 | $25.00 | 7/20/2009 9:42:37 AM |
| Wart126 | $25.00 | $25.00 | 7/20/2009 11:39:06 AM |
| money-watcher | $25.00 | $25.00 | 7/20/2009 12:11:07 PM |
| wormdc | $25.00 | $25.00 | 7/20/2009 12:17:12 PM |
| mlbox3k | $25.00 | $25.00 | 7/20/2009 3:31:49 PM |
| Digs | $25.00 | $25.00 | 7/20/2009 12:47:10 PM |
| Mopedcouple | $25.00 | $25.00 | 7/20/2009 2:21:39 PM |
| CodeGuy | $25.00 | $25.00 | 7/20/2009 5:06:05 PM |
| cny_loans | $25.00 | $25.00 | 7/20/2009 5:16:53 PM |
| ShermanSteve | $50.00 | $50.00 | 7/20/2009 5:44:09 PM |
| Hexnut | $50.00 | $50.00 | 7/20/2009 9:31:59 PM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:10 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:22 AM |
| glcorps | $25.00 | $25.00 | 7/21/2009 12:01:43 PM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:45 AM |
| neenerman | $25.00 | $25.00 | 7/21/2009 10:47:23 AM |
| majormoves1 | $25.00 | $25.00 | 7/21/2009 11:56:48 AM |
| bowdish1 | $72.55 | $72.55 | 7/21/2009 12:17:30 PM |
| greenwell | $50.00 | $50.00 | 7/21/2009 1:52:54 PM |
| market-assembler | $25.00 | $25.00 | 7/21/2009 2:43:13 PM |
| TA85 | $25.00 | $25.00 | 7/21/2009 3:24:18 PM |
| MplsLawyers | $25.00 | $25.00 | 7/21/2009 3:25:41 PM |
| wwwUniversal | $25.00 | $25.00 | 7/21/2009 3:46:40 PM |
| njmlaj726 | $50.00 | $50.00 | 7/22/2009 7:45:18 AM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:37 AM |
| Brainworm | $25.00 | $25.00 | 7/22/2009 10:02:04 AM |
| Phillip4ever | $25.00 | $25.00 | 7/22/2009 10:27:01 AM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:16:47 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:41:42 AM |
| amsterq | $25.00 | $25.00 | 7/22/2009 9:32:04 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:01:47 PM |
| tentonhammer99 | $63.82 | $63.82 | 7/22/2009 1:43:58 PM |
| secret-santa | $25.00 | $25.00 | 7/22/2009 11:37:14 AM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:14 PM |
| soccerchamp213 | $25.00 | $25.00 | 7/22/2009 6:22:23 PM |
| Jassi | $50.00 | $50.00 | 7/23/2009 9:32:36 AM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:07 AM |
| hattric73 | $25.00 | $25.00 | 7/23/2009 11:41:44 AM |
| TheBestDad | $25.00 | $25.00 | 7/23/2009 12:06:50 PM |
| jpmusic | $25.00 | $25.00 | 7/23/2009 8:42:42 AM |
| BayShell | $40.00 | $40.00 | 7/23/2009 12:51:43 PM |
| mizount | $25.00 | $25.00 | 7/23/2009 1:12:06 PM |
| boogaboogabooga | $25.00 | $25.00 | 7/23/2009 9:33:51 AM |
| PAID-IN-FULL | $25.00 | $25.00 | 7/23/2009 1:16:38 PM |
| koinonea | $25.00 | $25.00 | 7/23/2009 5:38:00 PM |
| Orringo | $25.00 | $25.00 | 7/23/2009 6:28:04 PM |
| ChicoBob | $34.08 | $34.08 | 7/23/2009 5:01:35 PM |
| jralending | $26.60 | $26.60 | 7/23/2009 4:52:42 PM |
| kayakg | $25.00 | $25.00 | 7/23/2009 5:36:45 PM |
| szetheli | $50.00 | $50.00 | 7/23/2009 5:48:13 PM |
| Snoopylover | $25.00 | $25.00 | 7/24/2009 12:16:54 AM |
| Midg | $25.00 | $25.00 | 7/24/2009 8:32:55 AM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:13 AM |
| Credit2Prosper | $50.00 | $50.00 | 7/24/2009 10:08:19 AM |
| hope-amigo | $25.00 | $25.00 | 7/24/2009 9:31:51 AM |
| hodap2001 | $25.00 | $25.00 | 7/24/2009 10:36:45 AM |
| Norcal | $25.00 | $25.00 | 7/24/2009 10:51:39 AM |
| Sitgarath | $25.00 | $25.00 | 7/24/2009 12:26:43 PM |
| latestone | $25.00 | $25.00 | 7/24/2009 11:01:40 AM |
| kushbomb | $103.28 | $103.28 | 7/24/2009 3:50:33 PM |
| azarael | $25.00 | $25.00 | 7/24/2009 5:05:50 PM |
| kjsfld | $25.00 | $25.00 | 7/24/2009 5:06:11 PM |
| slojudy | $25.00 | $25.00 | 7/24/2009 5:02:12 PM |
| leucadian | $25.00 | $25.00 | 7/24/2009 5:07:52 PM |
| vacation-funding | $25.00 | $25.00 | 7/24/2009 5:08:13 PM |
| loantigger | $25.00 | $25.00 | 7/24/2009 6:06:49 PM |
| mal12561 | $34.84 | $34.84 | 7/24/2009 5:06:53 PM |
| Breken6 | $25.00 | $25.00 | 7/24/2009 5:07:26 PM |
| ojibwa | $25.00 | $25.00 | 7/24/2009 6:07:03 PM |
| Oakland | $50.00 | $50.00 | 7/24/2009 6:18:19 PM |
| jldallover | $25.00 | $25.00 | 7/24/2009 9:17:02 PM |
| mathgod | $25.00 | $25.00 | 7/24/2009 10:27:20 PM |
| ADenny | $25.00 | $25.00 | 7/25/2009 2:06:45 PM |
| qkinger | $50.00 | $50.00 | 7/25/2009 2:07:01 PM |
| fortytwo | $125.00 | $125.00 | 7/25/2009 9:11:56 PM |
| Aubrei | $25.00 | $25.00 | 7/25/2009 9:17:25 PM |
| USMC0311 | $25.00 | $25.00 | 7/26/2009 5:46:42 AM |
| jpjazzman | $40.00 | $40.00 | 7/26/2009 11:06:32 AM |
| Tasmir | $25.00 | $25.00 | 7/26/2009 1:46:34 PM |
| lucky6 | $25.00 | $25.00 | 7/26/2009 8:41:36 PM |
| jimbo29blue | $25.00 | $25.00 | 7/27/2009 5:01:46 AM |
| serpentine | $50.00 | $50.00 | 7/27/2009 5:46:43 AM |
| indomart | $25.00 | $25.00 | 7/26/2009 9:21:55 PM |
| Dave0 | $25.00 | $25.00 | 7/27/2009 7:21:42 AM |
| JonnyCash | $25.00 | $25.00 | 7/27/2009 10:03:14 AM |
| caipira | $25.00 | $25.00 | 7/27/2009 9:32:07 AM |
| brstern2 | $25.00 | $25.00 | 7/27/2009 9:32:15 AM |
| zenchef | $55.00 | $55.00 | 7/27/2009 10:30:27 AM |
| onlyinchicago | $25.00 | $25.00 | 7/27/2009 10:16:37 AM |
| Cleon | $25.00 | $25.00 | 7/27/2009 10:21:35 AM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:36:52 AM |
| AJSinvest | $25.00 | $25.00 | 7/27/2009 12:01:41 PM |
| Approved | $25.00 | $25.00 | 7/27/2009 1:52:13 PM |
| houli123 | $25.00 | $25.00 | 7/27/2009 1:52:02 PM |
| drluong | $50.00 | $50.00 | 7/27/2009 1:57:39 PM |
| mrfrog | $25.00 | $25.00 | 7/27/2009 9:11:32 PM |
| OzGuy609 | $25.00 | $25.00 | 7/27/2009 9:30:07 PM |
| rlndln | $25.00 | $25.00 | 7/28/2009 5:56:35 AM |
| Stafo | $40.00 | $40.00 | 7/27/2009 10:19:59 PM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:11:31 AM |
| haryassman | $50.00 | $50.00 | 7/28/2009 9:53:12 AM |
| SimonHova | $26.72 | $26.72 | 7/28/2009 8:46:52 AM |
| looney-toon | $25.00 | $25.00 | 7/28/2009 10:47:00 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 10:15:50 AM |
| wgc | $25.00 | $25.00 | 7/28/2009 11:17:16 AM |
| colorado23 | $25.00 | $25.00 | 7/28/2009 11:41:41 AM |
| ndwayno | $48.47 | $48.47 | 7/28/2009 11:41:51 AM |
| rokdim | $50.00 | $50.00 | 7/28/2009 11:42:57 AM |
| xphile | $25.00 | $25.00 | 7/28/2009 12:22:24 PM |
| SouthCoast | $25.00 | $25.00 | 7/28/2009 12:31:38 PM |
| paramjit | $100.00 | $100.00 | 7/28/2009 2:20:28 PM |
| planky | $50.00 | $50.00 | 7/28/2009 12:53:06 PM |
| LAKETIME | $25.00 | $25.00 | 7/28/2009 3:07:53 PM |
| bank-of-lomax | $50.00 | $50.00 | 7/28/2009 2:45:40 PM |
| PropertyInvest | $35.00 | $35.00 | 7/28/2009 4:25:16 PM |
| CSIGuy | $50.00 | $50.00 | 7/28/2009 4:26:36 PM |
| crw1950 | $50.00 | $50.00 | 7/28/2009 3:12:16 PM |
| KeepOnRunning | $50.00 | $50.00 | 7/28/2009 3:21:34 PM |
| rockhound84 | $50.00 | $50.00 | 7/28/2009 3:25:22 PM |
| ChuckChedda | $25.00 | $25.00 | 7/28/2009 4:37:51 PM |
| mburke3434 | $25.00 | $25.00 | 7/28/2009 4:56:37 PM |
| PAV | $25.00 | $25.00 | 7/28/2009 4:57:37 PM |
| Sardes | $30.00 | $30.00 | 7/28/2009 5:27:25 PM |
| ga_rainman | $28.85 | $28.85 | 7/28/2009 5:32:20 PM |
| JMY1 | $25.00 | $25.00 | 7/28/2009 5:10:43 PM |
| Havana21 | $500.00 | $500.00 | 7/28/2009 5:14:22 PM |
| James_and_Tracy | $25.00 | $25.00 | 7/28/2009 5:16:53 PM |
| FundMaker | $30.00 | $30.00 | 7/28/2009 5:32:25 PM |
| AM2008 | $25.00 | $25.00 | 7/28/2009 4:37:06 PM |
| seattleslug | $30.00 | $30.00 | 7/28/2009 4:47:32 PM |
| Robert99 | $25.00 | $25.00 | 7/28/2009 5:30:39 PM |
| 422 bids
|
Borrower Payment Dependent Notes Series
416844
This series of Notes was issued and sold upon the funding of the borrower loan #38134, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Jul-31-2009 |
|
|
Starting lender yield:
| 8.90% |
Starting borrower rate/APR:
| 9.90% / 12.01% |
Starting monthly payment:
| $80.55 |
|
Final lender yield:
| 4.50% |
Final borrower rate/APR:
| 5.50% / 7.55% |
Final monthly payment:
| $75.49 |
| |
|
Auction yield range:
| 3.23% - 8.90% |
Estimated loss impact:
| 0.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.91% | | |
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:
| May-1991 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 18y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,617 |
Occupation: | Military Officer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 1% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Integrity1st |
Borrower's state:
| Delaware |
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:
| 7 ( 100% )
| 800-820 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 800-820
(Jun-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Military move from Italy to US
Purpose of loan:
I have just received short-notice orders to return to the US from my current station in Italy. My wife and children are back on the west coast due to a family illness and I will incur some cost in getting them to our new duty station in the Northeast. Additionally, I will be buying a car upon my return and will have some unforeseen expenses before I am settled. Therefore, I'd like to have a few more $$ in the war chest when I return.
My financial situation:
I am steadily employed as an Active Duty Commander in the Navy and live below my means so I can afford to invest in real estate and the stock market. My hope is to be a financial planner, investor, and philanthropist after I retire from the military in a few years. I have $78,000 in non-retirement investments that I would rather leave unsold as they are undervalued given the recent financial turmoil. I also have $17,000 of cash value in a whole life policy that I can borrow against, but would rather leave alone to accrue interest.
If there was ever an issue with loan repayment, I would simply defer investing to pay off your loan. I have a strict accounting method and investment plan, which is why I want to maintain my investing momentum and keep borrowing for moving expenses separate. As you can see by my excellent credit history and my low DTI, you are essentially taking on a NO-RISK loan. I will draw $9,500 per month in gross pay, food, and housing allowances for the next three years. I am close to retirement so I am not going to resign from the Navy and the Navy will not discharge me, so job security is guaranteed. My family situation is stable with a loving wife and two rather remarkable kids.
Why I am using Prosper:
Quite simply, I am using Prosper to borrow money only because I want to maintain my disciplined adherence to investing and would rather spread out the one-time cost of moving from Italy to the US over a monthly installment plan. Thanks for your interest.
Information in the Description is not verified.
Friends And Family Winning Bids
TrudyM has bid a total of
$100.00 in winning bids.
"Thank you serving our country and keeping us safe. Best wishes on your new assignment and Welcome Home to integrity1st"
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Just wanted to drop you a note and send a big THANK YOU! for your service to our country! God Bless! - TEAM-Jasper
A:
I appreciate the kind words and I feel it has truly been an honor to serve. Of course, throughout 18 years of moves and overseas deployments, my wife's service counts twice as much as mine, so I'll pass your note to her as well. Thank you.
(Jul-20-2009)
Q:
Full steam ahead Sailor. Best of luck on your next PCS. Thank you for serving. After you re-pay the loan, do plan on being a prosper investor? - 4thelittleguy
A:
Thanks for the note. I have been a Prosper investor for two years with $5,000 in loans outstanding. I think it is a great way to diversify the fixed income part of a portfolio. Even with some economy-related defaults, my Prosper loans maintained most of their value and provided income to boot. Now that Prosper is back, I'll continue to support my fellow Prosperians. Thanks again!
(Jul-20-2009)
Q:
Everything looks solid to me. I'm an Air Force vet myself, and I always try to help out fellow vets. I've been to Italy for TDYs (Sigonella and NSA Naples) and was pretty sad when it was time to leave. Hope your move goes smoothly. - buukyak
A:
Thank you for your service and for your bid. I am transferring from Naples after 3 years with NATO and have enjoyed my time in Italy. Our Italian friends were gracious hosts and my two children have seen the great cities of Europe, places I only dreamed about when I was their age. But our new post in CT will be good to us as well, I'm sure. Thanks again!
(Jul-21-2009)
Q:
Thanks for all you do. Hopefully the interest rate will continue to get bid down for you. - JebkaClan
A:
Well, with generous bids like yours, it's bound to. Thank you for the vote of confidence and I promise that I'll come through for you.
(Jul-23-2009)
Q:
Thank you for your service, Sir. You loan request is a no-brainer to me. Unfortunately, I just bid all remaining balance of my Prosper account. - beyond_destiny
A:
No worries, your note is appreciated just the same. Thanks and good luck with Prosper!
(Jul-26-2009)
Q:
Another one thanking you for your service to our country! God bless you! - John_14_6
A:
Much appreciated! I'm grateful for your support. Thanks!
(Jul-29-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ujiba | $50.00 | $50.00 | 7/17/2009 9:56:41 PM |
| JebkaClan | $148.34 | $21.53 | 7/23/2009 10:33:33 AM |
| TrudyM | $100.00 | $100.00 | 7/24/2009 9:58:50 AM |
| HealthAndSafety | $50.00 | $50.00 | 7/24/2009 3:57:27 PM |
| leocom2000 | $100.00 | $100.00 | 7/24/2009 2:35:24 PM |
| sunnysally | $50.00 | $50.00 | 7/28/2009 9:27:26 PM |
| AsianDragon | $200.00 | $200.00 | 7/29/2009 4:00:50 PM |
| gizmo65 | $25.00 | $25.00 | 7/30/2009 6:40:02 AM |
| theboygenius | $50.00 | $50.00 | 7/30/2009 8:48:37 AM |
| FundMaker | $65.00 | $65.00 | 7/30/2009 4:03:07 PM |
| nehemiah65 | $25.00 | $25.00 | 7/30/2009 10:01:36 PM |
| Saving4Food | $50.00 | $50.00 | 7/31/2009 9:53:57 AM |
| qkinger | $100.00 | $100.00 | 7/31/2009 11:11:49 AM |
| platinum-cub | $200.00 | $200.00 | 7/31/2009 11:17:53 AM |
| usd1027 | $25.00 | $25.00 | 7/31/2009 1:17:05 PM |
| RandyL3 | $25.00 | $25.00 | 7/31/2009 1:32:05 PM |
| catumbelense | $50.00 | $50.00 | 7/31/2009 2:26:42 PM |
| sfd | $50.00 | $50.00 | 7/31/2009 4:03:28 PM |
| TEAM-Jasper | $100.00 | $100.00 | 7/20/2009 3:24:43 PM |
| krishopper | $25.00 | $25.00 | 7/21/2009 5:33:34 PM |
| Truchaos | $39.01 | $39.01 | 7/22/2009 10:01:08 AM |
| kingfish66 | $50.00 | $50.00 | 7/22/2009 5:27:50 PM |
| BeeHive | $25.00 | $25.00 | 7/23/2009 12:16:27 PM |
| RandyL3 | $25.00 | $25.00 | 7/24/2009 3:53:42 PM |
| bankar | $25.00 | $25.00 | 7/24/2009 10:09:09 PM |
| loopist | $42.79 | $42.79 | 7/26/2009 9:29:43 AM |
| John_14_6 | $25.00 | $25.00 | 7/28/2009 5:20:57 PM |
| PrepWonder | $50.00 | $50.00 | 7/29/2009 10:39:47 AM |
| OGS_Capital | $25.00 | $25.00 | 7/29/2009 10:54:15 AM |
| dancingdragon | $100.00 | $100.00 | 7/29/2009 6:26:43 PM |
| pumatrap | $28.00 | $28.00 | 7/30/2009 5:42:48 AM |
| coldfuzion | $25.00 | $25.00 | 7/30/2009 10:27:55 PM |
| hodap2001 | $25.00 | $25.00 | 7/30/2009 7:42:28 PM |
| RecoveryLender | $25.00 | $25.00 | 7/31/2009 10:57:48 AM |
| Sneezie | $200.00 | $200.00 | 7/31/2009 11:53:46 AM |
| lnrn | $78.67 | $78.67 | 7/31/2009 12:36:46 PM |
| SanJoser | $200.00 | $200.00 | 7/31/2009 1:28:35 PM |
| heymoe | $25.00 | $25.00 | 7/31/2009 2:17:45 PM |
| Firescreek | $25.00 | $25.00 | 7/31/2009 2:49:48 PM |
| sknop64 | $50.00 | $50.00 | 7/31/2009 2:55:37 PM |
| BankofBeth | $50.00 | $50.00 | 7/31/2009 4:02:46 PM |
| 41 bids
|
Borrower Payment Dependent Notes Series
416872
This series of Notes was issued and sold upon the funding of the borrower loan #38137, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Auction start date:
| Jul-16-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Jul-30-2009 |
|
|
Starting lender yield:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 16.16% |
Starting monthly payment:
| $444.31 |
|
Final lender yield:
| 12.95% |
Final borrower rate/APR:
| 13.95% / 16.11% |
Final monthly payment:
| $443.99 |
| |
|
Auction yield range:
| 6.23% - 13.00% |
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:
| Sep-1993 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 15
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 75 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $175,577 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 91% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| ebonyivy |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $18,000.00 | < mo. late:
| 0
( 0% )
| 760-780
(May-2008)
|
|
Principal balance:
| $11,733.58 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
High interest credit card
This loan will be used to pay off a high interest credit card. I have a credit card at 17% interest. I am a good candidate for this loan because both my husband and I have great, stable (federal government) jobs with great pay (my husband and I make approximately $198,000 together). I have a current prosper loan and have paid on time for over one year now. I pay all of my bills on time, and I am a responsible borrower. I am working my way to be debt free after accumulating debt during law school and an adoption. I have stopped using my credit cards and pay on a cash only basis.
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:
Good payment history!
Can you get some bids from friends & family? You would be helping them get a great return, and if they trust you with $$ so can I. - JGuide
A:
OK. I originally hadn't considered doing this since, like many people raised in the midwest, I was taught that it is impolite to discuss money with friends and family. However, I hadn't considered that it would be a great guaranteed return for them, which is very hard to find today. Thanks for the nudge!
(Jul-19-2009)
Q:
I'm all about paying off the evil credit cards. It appears that your rotating credit is a bit high. My question is simply, how much are you currently paying on credit cards per month and how much of this is going directly to pay off that debt? - JauaFlash
A:
I have 5 credit card balances with the following minimum payments on each: Chase $350/month at fixed 3.99%, BofA $612/month at 16.99%, UniversalCard $260/month at 7.6%, Upromise Citi $150/month at 6.8%, and another BofA $140/month currently at 2.99% but going to 16.99% in October. In addition to the monthly payments, I am making a payment of an additional $1000/month on the smaller of the two BofA cards. I have been doing this for 6 months now and will continue snowballing.
(Jul-23-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| tlp43 | $25.00 | $25.00 | 7/16/2009 3:03:50 PM |
| anton | $25.00 | $25.00 | 7/16/2009 3:03:59 PM |
| urbanMisfit | $25.00 | $25.00 | 7/16/2009 3:04:28 PM |
| chlebie | $25.00 | $25.00 | 7/16/2009 3:05:59 PM |
| Cbgator | $25.00 | $25.00 | 7/16/2009 3:06:28 PM |
| bulabula | $25.00 | $25.00 | 7/16/2009 3:05:02 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/16/2009 3:05:17 PM |
| twohorn | $25.00 | $25.00 | 7/16/2009 3:06:12 PM |
| d_grbg | $25.00 | $25.00 | 7/16/2009 3:06:34 PM |
| dunedin | $25.00 | $25.00 | 7/16/2009 3:07:55 PM |
| BusyAgent | $25.00 | $25.00 | 7/16/2009 3:08:02 PM |
| linklady | $25.00 | $25.00 | 7/16/2009 3:07:36 PM |
| jbarron | $25.00 | $25.00 | 7/16/2009 3:08:29 PM |
| MBIntl | $25.00 | $25.00 | 7/16/2009 3:09:47 PM |
| kegs | $250.00 | $250.00 | 7/16/2009 3:04:50 PM |
| roxon | $25.00 | $25.00 | 7/16/2009 3:10:53 PM |
| ahalls | $25.00 | $25.00 | 7/16/2009 3:10:05 PM |
| Artist_Blue | $25.00 | $25.00 | 7/16/2009 3:11:19 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 3:10:39 PM |
| tillit | $25.00 | $25.00 | 7/16/2009 3:06:54 PM |
| Haydendover | $25.00 | $25.00 | 7/16/2009 3:07:13 PM |
| ah-long | $25.00 | $25.00 | 7/16/2009 3:07:42 PM |
| nodrivelpls | $25.00 | $25.00 | 7/16/2009 3:07:48 PM |
| TennSquire | $25.00 | $25.00 | 7/16/2009 3:12:52 PM |
| Trojan1976 | $25.00 | $25.00 | 7/16/2009 3:11:36 PM |
| Weaverville | $75.00 | $75.00 | 7/16/2009 3:13:19 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/16/2009 3:08:59 PM |
| Carpetkid | $25.00 | $25.00 | 7/16/2009 3:11:49 PM |
| funtwosay | $25.00 | $25.00 | 7/16/2009 3:11:56 PM |
| mydreamsagain | $50.00 | $50.00 | 7/16/2009 3:12:07 PM |
| 888168 | $25.00 | $25.00 | 7/16/2009 3:10:21 PM |
| vacation-funding | $25.00 | $25.00 | 7/16/2009 3:13:46 PM |
| Panitza | $100.00 | $100.00 | 7/16/2009 3:13:54 PM |
| GElender | $50.00 | $50.00 | 7/16/2009 3:14:09 PM |
| Joon | $25.00 | $25.00 | 7/16/2009 3:12:32 PM |
| zxw | $50.00 | $50.00 | 7/16/2009 5:02:27 PM |
| jstefans | $25.00 | $25.00 | 7/16/2009 3:13:37 PM |
| DadWarbucks | $50.00 | $50.00 | 7/16/2009 5:07:34 PM |
| wings2fly | $25.00 | $25.00 | 7/16/2009 3:14:58 PM |
| xyzkid3 | $31.55 | $31.55 | 7/16/2009 7:12:28 PM |
| Robert99 | $25.00 | $25.00 | 7/16/2009 7:25:35 PM |
| restech | $25.00 | $25.00 | 7/16/2009 11:42:39 PM |
| Sixmil | $25.00 | $25.00 | 7/17/2009 12:16:42 AM |
| Central_States_Mutual | $25.00 | $25.00 | 7/17/2009 12:22:00 AM |
| Goat | $48.80 | $48.80 | 7/17/2009 4:07:20 AM |
| PaulW | $25.00 | $25.00 | 7/17/2009 6:16:55 AM |
| don8ter | $25.00 | $25.00 | 7/17/2009 4:26:54 AM |
| dannyboy_997 | $25.00 | $25.00 | 7/17/2009 7:42:27 AM |
| saltymt | $25.00 | $25.00 | 7/17/2009 11:46:51 AM |
| IP | $44.76 | $44.76 | 7/17/2009 8:56:48 AM |
| skiberdad | $50.00 | $50.00 | 7/17/2009 11:57:50 AM |
| Josta | $50.00 | $50.00 | 7/17/2009 1:06:56 PM |
| Hartfelt | $40.00 | $40.00 | 7/17/2009 8:21:44 PM |
| money2k | $25.00 | $25.00 | 7/17/2009 9:16:56 PM |
| bradania | $25.00 | $25.00 | 7/17/2009 10:51:47 PM |
| SafeSaxa | $25.00 | $25.00 | 7/18/2009 8:21:42 AM |
| Champpilot | $50.00 | $50.00 | 7/18/2009 9:01:41 AM |
| create42xn | $25.00 | $25.00 | 7/19/2009 12:26:39 AM |
| augsdad | $25.00 | $25.00 | 7/19/2009 10:51:41 AM |
| thedreamer | $25.00 | $25.00 | 7/19/2009 11:52:58 AM |
| somebody32 | $25.00 | $25.00 | 7/19/2009 12:43:28 PM |
| BenBernanke | $25.00 | $25.00 | 7/19/2009 4:37:10 PM |
| keeks | $25.00 | $25.00 | 7/19/2009 1:01:47 PM |
| able2help | $25.00 | $25.00 | 7/19/2009 5:21:39 PM |
| spike16 | $25.00 | $25.00 | 7/19/2009 5:43:06 PM |
| LordKinbote | $25.00 | $25.00 | 7/19/2009 3:03:29 PM |
| bankofsam | $25.00 | $25.00 | 7/19/2009 6:22:40 PM |
| bharosa | $25.00 | $25.00 | 7/19/2009 5:28:28 PM |
| kyxysyx | $50.00 | $50.00 | 7/19/2009 9:31:37 PM |
| inkplj | $50.00 | $50.00 | 7/19/2009 6:21:42 PM |
| satanichammy | $25.00 | $25.00 | 7/19/2009 6:31:45 PM |
| Quetz | $25.00 | $25.00 | 7/19/2009 7:03:21 PM |
| nicklds | $50.00 | $50.00 | 7/19/2009 7:11:54 PM |
| arejaybe | $25.00 | $25.00 | 7/19/2009 7:31:44 PM |
| bejfishing | $25.00 | $25.00 | 7/19/2009 7:55:27 PM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:06:55 PM |
| 02bob | $25.00 | $25.00 | 7/19/2009 10:16:41 PM |
| Fahrquar | $25.00 | $25.00 | 7/20/2009 9:11:47 AM |
| johnko929 | $25.00 | $25.00 | 7/20/2009 9:27:08 AM |
| DonkeyRider | $25.00 | $25.00 | 7/20/2009 6:27:17 AM |
| Robyn5722 | $25.00 | $25.00 | 7/20/2009 7:02:00 AM |
| apetrock | $50.00 | $50.00 | 7/20/2009 7:07:59 AM |
| millipotski | $25.00 | $25.00 | 7/20/2009 7:42:04 AM |
| BayShell | $40.00 | $40.00 | 7/20/2009 11:21:56 AM |
| wwwUniversal | $25.00 | $25.00 | 7/20/2009 9:32:10 AM |
| madmccoy | $25.00 | $25.00 | 7/20/2009 10:58:33 AM |
| brazilofmux | $100.00 | $100.00 | 7/20/2009 1:56:57 PM |
| ramsbladder | $25.00 | $25.00 | 7/20/2009 11:28:09 AM |
| bajaruss | $25.00 | $25.00 | 7/20/2009 12:11:59 PM |
| Herluftrolle | $25.00 | $25.00 | 7/20/2009 3:01:39 PM |
| Aquani | $50.00 | $50.00 | 7/20/2009 3:21:55 PM |
| PatRichi | $25.00 | $25.00 | 7/20/2009 7:31:38 PM |
| Hexnut | $25.00 | $25.00 | 7/20/2009 9:32:15 PM |
| skibum65 | $50.00 | $50.00 | 7/20/2009 7:32:02 PM |
| Tahoeguy | $25.00 | $25.00 | 7/21/2009 5:41:36 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:42:41 AM |
| Ballard | $25.00 | $25.00 | 7/21/2009 7:32:38 AM |
| brooklynjoe | $25.00 | $25.00 | 7/21/2009 9:33:50 AM |
| leemic | $25.00 | $25.00 | 7/21/2009 11:01:42 AM |
| intuitive-basis | $25.00 | $25.00 | 7/21/2009 9:34:54 AM |
| BrooklynJim | $25.00 | $25.00 | 7/21/2009 12:26:49 PM |
| cingular | $25.00 | $25.00 | 7/21/2009 2:11:45 PM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:47:04 AM |
| Zubo | $25.00 | $25.00 | 7/21/2009 12:46:57 PM |
| Lender0424 | $25.00 | $25.00 | 7/21/2009 12:48:01 PM |
| ManhattanLender | $25.00 | $25.00 | 7/21/2009 1:56:34 PM |
| mistertao | $25.00 | $25.00 | 7/22/2009 6:51:40 AM |
| Caledoni | $50.00 | $50.00 | 7/22/2009 9:32:15 AM |
| ash135 | $25.00 | $25.00 | 7/22/2009 10:26:45 AM |
| Adam_00 | $50.00 | $50.00 | 7/22/2009 11:02:18 AM |
| Mavdyaus | $25.00 | $25.00 | 7/22/2009 2:28:17 PM |
| mpactlender | $25.00 | $25.00 | 7/22/2009 11:22:20 AM |
| How | $25.00 | $25.00 | 7/22/2009 1:22:48 PM |
| YogaDude34 | $50.00 | $50.00 | 7/22/2009 3:11:56 PM |
| dmitrk | $25.00 | $25.00 | 7/22/2009 6:01:35 PM |
| gilbow | $25.00 | $25.00 | 7/23/2009 1:57:29 AM |
| slyder61 | $25.00 | $25.00 | 7/23/2009 2:36:38 AM |
| treasure-generator | $25.00 | $25.00 | 7/23/2009 11:21:52 AM |
| jfd287 | $25.00 | $25.00 | 7/23/2009 2:51:44 PM |
| RusRobo | $25.00 | $25.00 | 7/23/2009 9:36:53 PM |
| webclimber | $25.00 | $25.00 | 7/23/2009 7:56:45 PM |
| JohnSmith10 | $25.00 | $25.00 | 7/23/2009 8:01:36 PM |
| ILoveSushi | $25.00 | $25.00 | 7/24/2009 2:11:57 AM |
| aasx1108 | $25.00 | $25.00 | 7/24/2009 8:32:02 AM |
| tomxnsn | $25.00 | $25.00 | 7/24/2009 9:31:44 AM |
| SKAGIT22 | $25.00 | $25.00 | 7/24/2009 10:51:35 AM |
| draggon77 | $25.00 | $25.00 | 7/24/2009 1:57:30 PM |
| zrohmm | $25.00 | $25.00 | 7/24/2009 2:22:02 PM |
| SeattleAngel | $25.00 | $25.00 | 7/24/2009 2:06:54 PM |
| xphile | $25.00 | $25.00 | 7/24/2009 2:22:44 PM |
| DrStaff | $30.00 | $30.00 | 7/24/2009 5:04:25 PM |
| bikingbtb | $25.00 | $25.00 | 7/24/2009 5:04:23 PM |
| ro37 | $50.00 | $50.00 | 7/24/2009 5:56:25 PM |
| PAID-IN-FULL | $25.00 | $25.00 | 7/24/2009 5:06:04 PM |
| iLoaner | $25.00 | $25.00 | 7/24/2009 5:42:33 PM |
| SavannahBear | $25.00 | $25.00 | 7/24/2009 6:06:35 PM |
| loantigger | $25.00 | $25.00 | 7/24/2009 6:06:58 PM |
| jldallover | $50.00 | $50.00 | 7/24/2009 8:51:54 PM |
| bankofkarl | $25.00 | $25.00 | 7/25/2009 12:21:40 AM |
| ss2020 | $25.00 | $25.00 | 7/24/2009 10:42:16 PM |
| Brain_m | $50.00 | $50.00 | 7/25/2009 6:56:41 AM |
| fortytwo | $70.00 | $70.00 | 7/25/2009 9:11:36 PM |
| baconguy | $25.00 | $25.00 | 7/26/2009 4:06:39 PM |
| Apeman00 | $25.00 | $25.00 | 7/26/2009 11:31:32 AM |
| Penny | $50.00 | $50.00 | 7/26/2009 5:31:42 PM |
| akgirlx | $25.00 | $25.00 | 7/26/2009 4:44:52 PM |
| mercurylrn | $25.00 | $25.00 | 7/26/2009 2:57:10 PM |
| onlyinchicago | $25.00 | $25.00 | 7/26/2009 4:56:47 PM |
| ChuckChedda | $25.00 | $25.00 | 7/27/2009 2:13:50 AM |
| lucky6 | $25.00 | $25.00 | 7/26/2009 8:41:49 PM |
| integrity-monster | $25.00 | $25.00 | 7/27/2009 10:16:44 AM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:41:44 AM |
| vkm2000 | $25.00 | $25.00 | 7/27/2009 10:16:50 AM |
| member874 | $25.00 | $25.00 | 7/27/2009 12:18:08 PM |
| atlviet | $25.00 | $25.00 | 7/27/2009 12:31:47 PM |
| plentiful-reward | $25.00 | $25.00 | 7/27/2009 9:41:34 PM |
| overflowinglife | $25.00 | $25.00 | 7/27/2009 11:36:45 PM |
| MrBobDob | $25.00 | $25.00 | 7/27/2009 10:01:40 PM |
| Iloanyoumoney | $25.00 | $25.00 | 7/28/2009 6:55:15 AM |
| oodkim84oo | $40.00 | $40.00 | 7/28/2009 12:16:44 AM |
| IcedMochaFund | $25.00 | $25.00 | 7/28/2009 7:51:45 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:16:36 AM |
| rakey | $25.00 | $25.00 | 7/28/2009 8:21:34 AM |
| lendinstuff | $25.00 | $25.00 | 7/28/2009 11:11:33 AM |
| awesome-market | $25.00 | $25.00 | 7/28/2009 9:33:38 AM |
| dartmouth99 | $25.00 | $25.00 | 7/28/2009 11:41:37 AM |
| codyrun | $25.00 | $25.00 | 7/28/2009 10:11:51 AM |
| loanshark4u | $25.00 | $25.00 | 7/28/2009 11:42:06 AM |
| L-vex | $25.00 | $25.00 | 7/28/2009 11:42:52 AM |
| CoolHelp | $25.00 | $25.00 | 7/28/2009 11:51:52 AM |
| oldmora | $25.00 | $25.00 | 7/28/2009 11:52:10 AM |
| saschar | $25.00 | $25.00 | 7/28/2009 11:41:50 AM |
| sandeepPR | $25.00 | $25.00 | 7/28/2009 12:56:35 PM |
| justinle | $25.00 | $25.00 | 7/28/2009 12:31:59 PM |
| galtsgulch | $50.00 | $50.00 | 7/28/2009 2:16:46 PM |
| maxion | $25.00 | $25.00 | 7/28/2009 4:16:42 PM |
| omerta6102 | $50.00 | $50.00 | 7/28/2009 5:37:38 PM |
| SimonHova | $25.00 | $25.00 | 7/28/2009 4:51:42 PM |
| mlsstelulah | $25.00 | $25.00 | 7/28/2009 4:56:53 PM |
| Rips | $25.00 | $25.00 | 7/28/2009 4:56:58 PM |
| goldeneye777 | $25.00 | $25.00 | 7/28/2009 6:36:33 PM |
| Kaphrin2 | $25.00 | $25.00 | 7/28/2009 5:41:18 PM |
| JSCAB-06 | $25.00 | $25.00 | 7/28/2009 7:11:38 PM |
| charlieok | $25.00 | $25.00 | 7/29/2009 5:06:43 AM |
| Mopedcouple | $50.00 | $50.00 | 7/29/2009 5:06:46 AM |
| kjsfld | $25.00 | $25.00 | 7/29/2009 5:07:00 AM |
| bsh297 | $25.00 | $25.00 | 7/29/2009 5:07:08 AM |
| Logan7 | $25.00 | $25.00 | 7/29/2009 5:07:13 AM |
| mrfixerupper | $25.00 | $25.00 | 7/29/2009 5:08:44 AM |
| coin-enclave | $25.00 | $25.00 | 7/28/2009 8:41:36 PM |
| ndwayno | $50.00 | $50.00 | 7/29/2009 5:08:42 AM |
| Nedly | $31.40 | $31.40 | 7/29/2009 5:08:55 AM |
| InvestForWealth | $25.00 | $25.00 | 7/29/2009 7:31:16 AM |
| wbahl | $25.00 | $25.00 | 7/29/2009 1:06:40 AM |
| wirelessmoney | $25.00 | $25.00 | 7/29/2009 2:17:05 AM |
| monticello | $50.00 | $46.10 | 7/29/2009 5:08:56 AM |
| jtc26 | $100.00 | $100.00 | 7/29/2009 7:56:45 AM |
| thefisherman | $45.31 | $45.31 | 7/29/2009 11:30:25 AM |
| unger | $100.00 | $100.00 | 7/29/2009 1:06:04 PM |
| ccapital | $100.00 | $100.00 | 7/29/2009 2:20:27 PM |
| twjh | $25.00 | $25.00 | 7/29/2009 2:08:17 PM |
| G-Love | $25.00 | $25.00 | 7/29/2009 5:09:39 PM |
| crowdetc | $25.00 | $25.00 | 7/29/2009 5:15:04 PM |
| Niffler | $50.00 | $50.00 | 7/29/2009 7:34:35 PM |
| btormc5 | $50.00 | $50.00 | 7/29/2009 4:26:16 PM |
| ksamba | $100.00 | $100.00 | 7/29/2009 9:49:25 PM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 8:15:37 AM |
| Bill88 | $50.00 | $50.00 | 7/30/2009 8:28:11 AM |
| planky | $50.00 | $50.00 | 7/30/2009 9:52:15 AM |
| ctruong53 | $80.00 | $80.00 | 7/30/2009 10:49:20 AM |
| fotep-financial | $25.00 | $25.00 | 7/16/2009 3:04:14 PM |
| LenderOnWheels | $25.00 | $25.00 | 7/16/2009 3:04:24 PM |
| salala | $25.00 | $25.00 | 7/16/2009 3:04:32 PM |
| larrybird | $250.00 | $250.00 | 7/16/2009 3:05:36 PM |
| rmachi | $25.00 | $25.00 | 7/16/2009 3:05:47 PM |
| hopethisworks | $50.00 | $50.00 | 7/16/2009 3:06:05 PM |
| Cubsfan07 | $25.00 | $25.00 | 7/16/2009 3:07:26 PM |
| AdamClemSC | $25.00 | $25.00 | 7/16/2009 3:08:08 PM |
| taylor883 | $25.00 | $25.00 | 7/16/2009 3:09:12 PM |
| pksfunds | $50.00 | $50.00 | 7/16/2009 3:08:16 PM |
| lepolgr | $50.00 | $50.00 | 7/16/2009 3:04:18 PM |
| fund-virtuoso | $25.00 | $25.00 | 7/16/2009 3:09:34 PM |
| namisguy | $25.00 | $25.00 | 7/16/2009 3:10:29 PM |
| RationalWorld | $25.00 | $25.00 | 7/16/2009 3:06:44 PM |
| SNH | $25.00 | $25.00 | 7/16/2009 3:07:00 PM |
| Cre8iveCash | $25.00 | $25.00 | 7/16/2009 3:11:42 PM |
| ibuystk | $50.00 | $50.00 | 7/16/2009 3:09:29 PM |
| Microfinancer | $25.00 | $25.00 | 7/16/2009 3:15:04 PM |
| figs4u2 | $200.00 | $200.00 | 7/16/2009 3:09:59 PM |
| pbo922 | $25.00 | $25.00 | 7/16/2009 3:12:01 PM |
| beyondmanagement | $25.00 | $25.00 | 7/16/2009 3:15:13 PM |
| cropdust3r | $25.00 | $25.00 | 7/16/2009 3:14:03 PM |
| lcole32 | $25.00 | $25.00 | 7/16/2009 3:22:56 PM |
| mbwillma | $25.00 | $25.00 | 7/16/2009 11:27:05 PM |
| mc81 | $25.00 | $25.00 | 7/17/2009 1:57:18 AM |
| kaykarun | $25.00 | $25.00 | 7/17/2009 12:47:51 AM |
| p2ploan-battalion509 | $50.00 | $50.00 | 7/17/2009 9:19:17 AM |
| IceFisherman | $25.00 | $25.00 | 7/17/2009 1:11:48 PM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 3:47:58 PM |
| Ilikupono | $50.00 | $50.00 | 7/17/2009 6:07:15 PM |
| jameskdean | $25.00 | $25.00 | 7/17/2009 10:11:41 PM |
| shawnw2 | $25.00 | $25.00 | 7/18/2009 12:52:17 PM |
| GMPK_TLAS | $45.00 | $45.00 | 7/18/2009 11:56:50 AM |
| ribbles | $50.00 | $50.00 | 7/18/2009 4:51:46 PM |
| PHI4308 | $25.00 | $25.00 | 7/19/2009 7:06:40 AM |
| jwm | $25.00 | $25.00 | 7/19/2009 10:51:43 AM |
| kumpa2u | $25.00 | $25.00 | 7/19/2009 2:18:23 PM |
| durban | $25.00 | $25.00 | 7/19/2009 3:18:31 PM |
| compassion-paladin042 | $25.00 | $25.00 | 7/19/2009 6:33:31 PM |
| guaton | $25.00 | $25.00 | 7/19/2009 4:41:40 PM |
| jbadawg1017 | $25.00 | $25.00 | 7/19/2009 8:21:35 PM |
| ohnezweck | $25.00 | $25.00 | 7/19/2009 6:51:38 PM |
| Superc0ld | $100.00 | $100.00 | 7/20/2009 12:26:41 AM |
| Zipline | $25.00 | $25.00 | 7/20/2009 7:27:29 AM |
| Westsider | $25.00 | $25.00 | 7/19/2009 11:26:49 PM |
| zaxsan | $25.00 | $25.00 | 7/20/2009 5:41:47 AM |
| grf1945 | $25.00 | $25.00 | 7/20/2009 5:52:00 AM |
| theincarnatemike | $25.00 | $25.00 | 7/20/2009 7:02:03 AM |
| hrubinst | $25.00 | $25.00 | 7/20/2009 7:01:57 AM |
| CaboWaboRobo | $25.00 | $25.00 | 7/20/2009 7:17:07 AM |
| madpinto21 | $50.00 | $50.00 | 7/20/2009 11:31:46 AM |
| income8 | $50.00 | $50.00 | 7/20/2009 9:27:03 AM |
| TommyTucker | $25.00 | $25.00 | 7/20/2009 9:32:31 AM |
| gotyourgear | $25.00 | $25.00 | 7/20/2009 9:42:14 AM |
| bxdoc | $25.00 | $25.00 | 7/20/2009 9:35:47 AM |
| LenderByDay | $25.00 | $25.00 | 7/20/2009 11:13:04 AM |
| Amused1 | $25.00 | $25.00 | 7/20/2009 3:28:22 PM |
| utukxul | $25.00 | $25.00 | 7/20/2009 12:56:44 PM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 1:29:03 PM |
| divedude | $25.00 | $25.00 | 7/20/2009 5:02:04 PM |
| slojudy | $25.00 | $25.00 | 7/20/2009 3:01:35 PM |
| Ryman81580 | $25.00 | $25.00 | 7/20/2009 3:16:41 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:46:37 PM |
| mollybosco | $50.00 | $50.00 | 7/20/2009 4:26:49 PM |
| andrewnar | $25.00 | $25.00 | 7/21/2009 2:56:38 AM |
| HibbyD | $30.00 | $30.00 | 7/20/2009 8:51:52 PM |
| bookloverInCA | $50.00 | $50.00 | 7/20/2009 8:37:01 PM |
| dashawn | $25.00 | $25.00 | 7/21/2009 7:26:40 AM |
| mmckune | $25.00 | $25.00 | 7/21/2009 8:26:43 AM |
| money-expert | $50.00 | $50.00 | 7/21/2009 9:43:06 AM |
| alverado | $33.09 | $33.09 | 7/21/2009 10:26:47 AM |
| takabanana | $25.00 | $25.00 | 7/21/2009 10:32:20 AM |
| college_girl | $25.00 | $25.00 | 7/21/2009 1:31:34 PM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:52:20 AM |
| Warwick | $25.00 | $25.00 | 7/21/2009 11:06:39 AM |
| papaman | $25.00 | $25.00 | 7/21/2009 3:22:33 PM |
| reueljw | $25.00 | $25.00 | 7/21/2009 3:22:47 PM |
| kattghoti | $25.00 | $25.00 | 7/21/2009 12:47:10 PM |
| kubien | $25.00 | $25.00 | 7/21/2009 8:21:49 PM |
| normadesmond | $25.00 | $25.00 | 7/21/2009 9:16:41 PM |
| incbx | $50.00 | $50.00 | 7/21/2009 9:46:44 PM |
| EricLender | $25.00 | $25.00 | 7/22/2009 12:17:10 AM |
| BCD | $25.00 | $25.00 | 7/22/2009 9:32:17 AM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:11:41 AM |
| mrack | $25.00 | $25.00 | 7/22/2009 10:06:35 AM |
| HawaiianHelper | $50.00 | $50.00 | 7/22/2009 6:38:14 AM |
| koyote | $50.00 | $50.00 | 7/22/2009 8:42:13 AM |
| markwms | $25.00 | $25.00 | 7/22/2009 11:01:39 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:02:06 PM |
| cyberie21 | $50.00 | $50.00 | 7/22/2009 2:36:46 PM |
| AKJagMan | $25.00 | $25.00 | 7/22/2009 2:57:24 PM |
| homebody26 | $25.00 | $25.00 | 7/22/2009 6:51:37 PM |
| leucadian | $50.00 | $50.00 | 7/22/2009 8:16:39 PM |
| sail120 | $25.00 | $25.00 | 7/22/2009 6:22:09 PM |
| Mymoney4loan | $25.00 | $25.00 | 7/23/2009 6:01:37 AM |
| stanbalwight4 | $25.00 | $25.00 | 7/22/2009 7:37:02 PM |
| shortstop21 | $25.00 | $25.00 | 7/22/2009 10:06:37 PM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:43 AM |
| Sitgarath | $50.00 | $50.00 | 7/23/2009 9:16:54 AM |
| WorldlyWorker | $25.00 | $25.00 | 7/23/2009 9:33:04 AM |
| glalat | $25.00 | $25.00 | 7/23/2009 9:33:39 AM |
| theRabbi | $25.00 | $25.00 | 7/23/2009 9:32:53 AM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 9:47:16 AM |
| aader | $25.00 | $25.00 | 7/23/2009 2:51:41 PM |
| travel_professional | $25.00 | $25.00 | 7/23/2009 3:46:38 PM |
| Orringo | $25.00 | $25.00 | 7/23/2009 6:28:18 PM |
| bailey1223 | $25.00 | $25.00 | 7/23/2009 6:41:48 PM |
| the-profit-oracle | $25.00 | $25.00 | 7/23/2009 8:16:38 PM |
| manyhappydogs | $40.95 | $40.95 | 7/24/2009 6:16:41 AM |
| JMJIluss | $25.00 | $25.00 | 7/24/2009 5:46:35 AM |
| Westerly | $50.00 | $50.00 | 7/24/2009 9:26:47 AM |
| rjleves | $25.00 | $25.00 | 7/24/2009 10:18:09 AM |
| Plotinus | $47.27 | $47.27 | 7/24/2009 2:26:42 PM |
| skistud66 | $25.00 | $25.00 | 7/24/2009 5:04:11 PM |
| sloan | $25.00 | $25.00 | 7/24/2009 5:09:18 PM |
| JKEnterprises | $25.00 | $25.00 | 7/24/2009 9:16:57 PM |
| easylender | $25.00 | $25.00 | 7/24/2009 7:01:46 PM |
| Tauri | $25.00 | $25.00 | 7/25/2009 6:41:43 AM |
| pbandjb | $25.00 | $25.00 | 7/25/2009 2:36:41 PM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:31 PM |
| mtp | $50.00 | $50.00 | 7/25/2009 4:21:41 PM |
| Flying_Tilapia | $50.00 | $50.00 | 7/25/2009 9:34:11 PM |
| pensacolaborn | $25.00 | $25.00 | 7/26/2009 11:27:07 AM |
| DaveG56313 | $25.00 | $25.00 | 7/26/2009 2:36:36 PM |
| theopposites | $25.00 | $25.00 | 7/26/2009 3:12:21 PM |
| amijo | $25.00 | $25.00 | 7/26/2009 11:46:32 PM |
| wdfraser | $25.00 | $25.00 | 7/27/2009 1:06:41 AM |
| witty-compassion | $25.00 | $25.00 | 7/26/2009 10:46:45 PM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:52:29 AM |
| mizount | $25.00 | $25.00 | 7/27/2009 10:43:14 AM |
| fireboss | $100.00 | $100.00 | 7/27/2009 10:13:32 AM |
| julijask | $25.00 | $25.00 | 7/27/2009 11:56:41 AM |
| SMARTDISK | $25.00 | $25.00 | 7/27/2009 2:16:50 PM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 2:11:59 PM |
| AM2008 | $25.00 | $25.00 | 7/27/2009 4:02:08 PM |
| TEAM-Jasper | $50.00 | $50.00 | 7/27/2009 6:16:42 PM |
| SkipMcGrath | $38.46 | $38.46 | 7/27/2009 6:37:22 PM |
| jecm27 | $25.00 | $25.00 | 7/28/2009 6:11:39 AM |
| kingbutthd | $25.00 | $25.00 | 7/28/2009 7:41:44 AM |
| flexible-value | $25.00 | $25.00 | 7/28/2009 9:33:18 AM |
| cosygirl | $25.00 | $25.00 | 7/28/2009 9:33:45 AM |
| super505 | $25.00 | $25.00 | 7/28/2009 8:16:52 AM |
| lostontheedge | $25.00 | $25.00 | 7/28/2009 8:47:01 AM |
| geemel | $25.00 | $25.00 | 7/28/2009 10:38:16 AM |
| Emberfox | $25.00 | $25.00 | 7/28/2009 8:51:45 AM |
| AgTiPinisher | $25.00 | $25.00 | 7/28/2009 10:47:10 AM |
| creative-benefit | $25.00 | $25.00 | 7/28/2009 10:47:23 AM |
| ddogs | $29.00 | $29.00 | 7/28/2009 9:32:46 AM |
| derec | $25.00 | $25.00 | 7/28/2009 10:51:38 AM |
| glcorps | $25.00 | $25.00 | 7/28/2009 11:12:10 AM |
| mizunoman | $25.00 | $25.00 | 7/28/2009 11:41:56 AM |
| Seadrag367 | $25.00 | $25.00 | 7/28/2009 11:41:47 AM |
| shawndw | $25.00 | $25.00 | 7/28/2009 11:42:43 AM |
| hanuman77 | $27.93 | $27.93 | 7/28/2009 12:06:43 PM |
| bus2340 | $25.00 | $25.00 | 7/28/2009 12:22:01 PM |
| cgorry | $25.00 | $25.00 | 7/28/2009 11:51:53 AM |
| decisive-capital | $50.00 | $50.00 | 7/28/2009 1:41:38 PM |
| gobot | $30.29 | $30.29 | 7/28/2009 2:46:48 PM |
| feedpaulyfaster | $25.00 | $25.00 | 7/28/2009 3:06:36 PM |
| James_and_Tracy | $25.00 | $25.00 | 7/28/2009 5:16:43 PM |
| Bobafet | $25.00 | $25.00 | 7/28/2009 5:37:12 PM |
| Cutts | $25.00 | $25.00 | 7/28/2009 6:36:35 PM |
| bobnewt | $50.00 | $50.00 | 7/28/2009 6:56:00 PM |
| latestone | $25.00 | $25.00 | 7/28/2009 8:21:49 PM |
| hermosaloan | $25.00 | $25.00 | 7/28/2009 8:26:34 PM |
| Bosunsmate | $25.00 | $25.00 | 7/28/2009 8:41:37 PM |
| smallfry | $25.00 | $25.00 | 7/28/2009 8:56:48 PM |
| gravbox | $25.00 | $25.00 | 7/28/2009 11:11:55 PM |
| G1g1ty | $25.00 | $25.00 | 7/29/2009 5:07:01 AM |
| devoider | $25.00 | $25.00 | 7/29/2009 5:07:06 AM |
| jenq0001 | $25.00 | $25.00 | 7/29/2009 5:08:41 AM |
| Oryx22 | $25.00 | $25.00 | 7/28/2009 11:31:39 PM |
| joudsa | $50.00 | $50.00 | 7/29/2009 8:29:11 AM |
| Sykes66 | $25.00 | $25.00 | 7/29/2009 5:06:56 AM |
| koyote | $50.00 | $50.00 | 7/29/2009 8:51:18 AM |
| Thunderswan | $25.00 | $25.00 | 7/29/2009 5:08:48 AM |
| rkt88edmo | $30.09 | $30.09 | 7/29/2009 9:44:23 AM |
| Sol_Invictus | $25.00 | $25.00 | 7/29/2009 3:15:10 PM |
| otalon | $25.00 | $25.00 | 7/29/2009 11:35:22 AM |
| autoconnection | $25.00 | $25.00 | 7/29/2009 6:56:01 PM |
| SS123 | $50.00 | $50.00 | 7/30/2009 11:22:11 AM |
| HenlopenCapital | $25.00 | $25.00 | 7/30/2009 12:49:08 PM |
| Bill88 | $25.00 | $25.00 | 7/30/2009 1:21:03 PM |
| colorfulgardener | $50.00 | $50.00 | 7/30/2009 2:44:02 PM |
| 396 bids
|
Borrower Payment Dependent Notes Series
417512
This series of Notes was issued and sold upon the funding of the borrower loan #38124, 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-22-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.49% |
Starting monthly payment:
| $55.75 |
|
Final lender yield:
| 19.00% |
Final borrower rate/APR:
| 20.00% / 22.49% |
Final monthly payment:
| $55.75 |
| |
|
Auction yield range:
| 11.23% - 19.00% |
Estimated loss impact:
| 10.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
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:
| 8 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 1
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $691 |
Occupation: | Waiter/Waitress |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 69% | Stated income: | $0 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| basis-gatherer |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help getting to Americorps site
Purpose of loan: This loan will give me the chance to work for AmeriCorps. I am a recent graduate and decided to look into this program. To my surprise I found that this would be an amazing opportunity for me. Unfortunately, the program that I fell in love with gave me only 2 months to save enough money to get to the site, which is 20 hours away. For a month, I looked and looked for a job. Since I have been in school, I did not realize how hard it really was to get a job. I now have three weeks left, and am working as a waitress and saving as much as I can. Even though I am doing everything I can right now, I am still having major difficulty having enough money to get there. This loan would help me get to the site, pay for my first rent, pay for groceries, and help buy some basic necessities like a bed and a dresser. I would appreciate any help you have for me.
My financial situation: Currently I am waitressing, and truthfully money is tight, this is why I need the loan so that I can get to my position in Maine. I will have a salary, so I will have the ability to pay back this loan.
I am a good candidate for this loan because I am responsible, reliable, and grateful. I am also working for a great cause.I do not have a car payment or any bills. I will be starting this position in August. It will be full time and will be a weekly paycheck.
Monthly net income: $ as of now, 300, but when I start in August It will be 800
Monthly expenses:
Housing: $ my rent will be 400 a month
Insurance: $ 0
Car expenses: $ 100
Utilities: $ 0
Phone, cable, internet: $ 0
Food, entertainment: $ 200 Clothing, household expenses $ 100
Credit cards and other loans: $ I have student loans, but they are deferred due to working for AmeriCorps
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:
Will you be able to go if you do not receive the loan funds prior to departure? How will you be able to make the payments? Do you have childern? - Loan_Stranger
A:
I will still go, but it will be very tight. I won't be able to get a bed, dresser, or barely any groceries and I would have to pay my room mate back for the deposit and first months rent a couple months down the road. I will be able to make payments because I will be recieving a pay check every week and I have calculated it out and will be no problem paying back. I do not have children. I hope this helps your decision, and please feel free to ask any more.
Thanks for your interest thus far!
(Jul-25-2009)
Q:
During the last 4yr of your education did you pay most of it with Student Loans?and For how long are the payments deffered? I know times are tough so im willing to help anyways :) - SoloX
A:
Thank you for your interest so far!! My loans will be deferred for a whole year...while I am working with Americorps. Paying back will be no problem because I will not have a student loans, a car payment or insurance, or any cards to pay back..so essentially this will be my only bill. I will be payed weekly and have already calculated rent into my payment..and I will be able to afford this monthly payment. I actually plan on paying it off before the year is up. its just getting there and settled
(Jul-27-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Loan_Stranger | $50.00 | $50.00 | 7/25/2009 5:23:58 PM |
| Loan_Stranger | $50.00 | $50.00 | 7/26/2009 3:34:06 PM |
| Loan_Stranger | $400.00 | $400.00 | 7/26/2009 3:34:56 PM |
| dpjd | $46.00 | $46.00 | 7/27/2009 3:52:16 PM |
| econgineer | $46.66 | $46.66 | 7/28/2009 10:09:50 AM |
| carrinel | $62.00 | $62.00 | 7/29/2009 1:02:40 PM |
| BlueProteus | $25.00 | $25.00 | 7/29/2009 7:11:25 PM |
| Flying_Tilapia | $50.00 | $50.00 | 7/30/2009 5:32:30 PM |
| power-thinker | $50.00 | $50.00 | 7/30/2009 5:41:44 PM |
| jjsparks28 | $100.00 | $76.63 | 7/30/2009 9:57:03 PM |
| sparkybrneyes | $25.00 | $25.00 | 7/31/2009 8:33:18 AM |
| Pintu_Desai | $25.00 | $25.00 | 7/31/2009 2:01:33 PM |
| stonehillloans | $25.00 | $25.00 | 8/1/2009 5:00:24 AM |
| ferris2484 | $80.00 | $80.00 | 8/1/2009 8:31:37 AM |
| buyrite334 | $34.00 | $34.00 | 8/1/2009 9:26:35 PM |
| alaskakid | $25.00 | $25.00 | 8/2/2009 10:47:55 AM |
| Ronnieboy888 | $25.00 | $25.00 | 8/2/2009 2:07:26 PM |
| SoloX | $37.71 | $37.71 | 7/27/2009 7:53:20 PM |
| Smitty33 | $50.00 | $50.00 | 7/28/2009 12:16:21 PM |
| chongngoc | $50.00 | $50.00 | 7/28/2009 8:15:45 PM |
| niss615 | $100.00 | $100.00 | 7/29/2009 5:38:36 AM |
| carrinel | $92.00 | $92.00 | 7/29/2009 3:35:26 PM |
| USFoundation | $25.00 | $25.00 | 8/2/2009 1:44:17 PM |
| blLending | $25.00 | $25.00 | 8/3/2009 10:47:34 AM |
| Apex-Lender | $25.00 | $25.00 | 8/3/2009 11:52:20 AM |
| 25 bids
|
Borrower Payment Dependent Notes Series
417804
This series of Notes was issued and sold upon the funding of the borrower loan #38120, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-23-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-01-2009 |
|
|
Starting lender yield:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 23.25% |
Starting monthly payment:
| $188.38 |
|
Final lender yield:
| 17.00% |
Final borrower rate/APR:
| 18.00% / 20.21% |
Final monthly payment:
| $180.76 |
| |
|
Auction yield range:
| 8.23% - 20.00% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
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:
| Feb-2003 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 14
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 20 | Length of status: | 5y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,278 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 28% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| evian415 |
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:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(Feb-2008)
|
|
Principal balance:
| $4,715.17 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Lower Existing Rate
Purpose of loan:
This loan will be used to pay off an existing Prosper loan in order to lower my interest rate and monthly payments. It would be great if I could cut my current montly payments in half especially in todays tough economic times.
My financial situation:
I am a good candidate for this loan because I have been a member of Prosper for a little over a year now and I have made payments on-time as agreed. I have a stable job which I am thankful for every day which will allow me to continue making timely payments.
Monthly net income: $ 2300
Monthly expenses: $
Housing: $ 500
Insurance: $ 75
Car expenses: $ 0
Utilities: $ 0
Phone, cable, internet: $ 150
Food, entertainment: $ 200
Clothing, household expenses $ 50
Credit cards and other loans: $ 600
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) |
|
| lagnisiruk | $25.00 | $25.00 | 7/23/2009 3:57:43 PM |
| Rogelio48 | $25.00 | $25.00 | 7/23/2009 3:58:56 PM |
| figs4u2 | $200.00 | $200.00 | 7/23/2009 4:00:20 PM |
| Weaverville | $75.00 | $75.00 | 7/23/2009 4:01:09 PM |
| anton | $25.00 | $25.00 | 7/23/2009 4:02:00 PM |
| spike16 | $25.00 | $25.00 | 7/23/2009 4:02:53 PM |
| zaxsan | $25.00 | $25.00 | 7/23/2009 4:03:17 PM |
| Aquafina24Ounce | $25.00 | $25.00 | 7/23/2009 4:03:51 PM |
| unclejaef | $25.00 | $25.00 | 7/23/2009 3:58:15 PM |
| tlp43 | $25.00 | $25.00 | 7/23/2009 3:57:41 PM |
| mydreamsagain | $25.00 | $25.00 | 7/23/2009 4:04:52 PM |
| money-expert | $25.00 | $25.00 | 7/23/2009 3:58:19 PM |
| YogaDude34 | $50.00 | $50.00 | 7/23/2009 3:58:51 PM |
| SNH | $25.00 | $25.00 | 7/23/2009 3:59:14 PM |
| GElender | $50.00 | $50.00 | 7/23/2009 4:01:12 PM |
| don8ter | $25.00 | $25.00 | 7/23/2009 4:01:20 PM |
| money2k | $25.00 | $25.00 | 7/23/2009 4:02:11 PM |
| ribbles | $50.00 | $50.00 | 7/23/2009 4:02:23 PM |
| CaboWaboRobo | $25.00 | $25.00 | 7/23/2009 4:03:20 PM |
| keeks | $25.00 | $25.00 | 7/23/2009 4:02:47 PM |
| Aquani | $50.00 | $50.00 | 7/23/2009 4:03:38 PM |
| mmckune | $25.00 | $25.00 | 7/23/2009 4:04:12 PM |
| jstefans | $25.00 | $25.00 | 7/23/2009 4:04:34 PM |
| pbo922 | $25.00 | $25.00 | 7/23/2009 4:05:51 PM |
| kaykarun | $25.00 | $25.00 | 7/23/2009 4:05:56 PM |
| bulabula | $25.00 | $25.00 | 7/23/2009 4:06:07 PM |
| theRabbi | $25.00 | $25.00 | 7/23/2009 4:06:16 PM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 4:06:20 PM |
| Cre8iveCash | $25.00 | $25.00 | 7/24/2009 9:19:14 AM |
| bondhedger | $25.00 | $25.00 | 7/24/2009 8:07:41 AM |
| Westsider | $25.00 | $25.00 | 7/24/2009 9:17:38 AM |
| EricLender | $25.00 | $25.00 | 7/24/2009 9:17:46 AM |
| rjleves | $25.00 | $25.00 | 7/24/2009 10:18:20 AM |
| unger | $250.00 | $250.00 | 7/24/2009 12:53:35 PM |
| alverado | $50.00 | $50.00 | 7/24/2009 1:32:28 PM |
| zrohmm | $25.00 | $25.00 | 7/24/2009 2:22:09 PM |
| sloan | $25.00 | $25.00 | 7/24/2009 5:09:28 PM |
| ah-long | $25.00 | $25.00 | 7/24/2009 7:21:38 PM |
| jldallover | $25.00 | $25.00 | 7/24/2009 9:51:45 PM |
| Tauri | $25.00 | $25.00 | 7/25/2009 6:41:54 AM |
| DER | $100.00 | $75.26 | 7/25/2009 7:42:29 AM |
| molotri | $25.00 | $25.00 | 7/26/2009 8:33:42 PM |
| dmk2006 | $25.00 | $25.00 | 7/27/2009 12:19:33 PM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 12:49:56 PM |
| seineil | $50.00 | $50.00 | 7/28/2009 3:09:22 AM |
| AM2008 | $25.00 | $25.00 | 7/28/2009 4:32:53 PM |
| RKLFinancial | $100.00 | $100.00 | 7/28/2009 6:17:44 PM |
| swti37 | $50.00 | $50.00 | 7/28/2009 10:30:50 PM |
| boodo | $100.00 | $100.00 | 7/29/2009 9:33:33 AM |
| OGS_Capital | $25.00 | $25.00 | 7/29/2009 10:51:18 AM |
| twjh | $25.00 | $25.00 | 7/29/2009 2:04:31 PM |
| ladybug838 | $25.00 | $25.00 | 7/30/2009 2:51:43 PM |
| DavronFunding | $40.05 | $40.05 | 7/31/2009 3:44:51 PM |
| elijjah | $100.00 | $100.00 | 7/31/2009 7:03:55 PM |
| puifais | $25.00 | $25.00 | 7/23/2009 3:58:12 PM |
| hopethisworks | $50.00 | $50.00 | 7/23/2009 3:58:59 PM |
| TennSquire | $25.00 | $25.00 | 7/23/2009 4:01:05 PM |
| kyxysyx | $50.00 | $50.00 | 7/23/2009 4:02:56 PM |
| wwwUniversal | $25.00 | $25.00 | 7/23/2009 4:03:21 PM |
| Ryman81580 | $25.00 | $25.00 | 7/23/2009 4:03:35 PM |
| andrewnar | $25.00 | $25.00 | 7/23/2009 3:58:46 PM |
| jbarron | $25.00 | $25.00 | 7/23/2009 3:59:52 PM |
| 888168 | $25.00 | $25.00 | 7/23/2009 4:00:26 PM |
| rmachi | $25.00 | $25.00 | 7/23/2009 3:58:22 PM |
| ualf | $50.00 | $50.00 | 7/23/2009 4:00:32 PM |
| Trojan1976 | $25.00 | $25.00 | 7/23/2009 4:00:49 PM |
| nodrivelpls | $25.00 | $25.00 | 7/23/2009 3:59:38 PM |
| mrzz | $25.00 | $25.00 | 7/23/2009 4:01:00 PM |
| 108lender | $75.00 | $75.00 | 7/23/2009 4:05:42 PM |
| beyondmanagement | $25.00 | $25.00 | 7/23/2009 4:01:15 PM |
| Artist_Blue | $25.00 | $25.00 | 7/23/2009 4:00:39 PM |
| Josta | $50.00 | $50.00 | 7/23/2009 4:01:33 PM |
| GMPK_TLAS | $45.00 | $45.00 | 7/23/2009 4:02:20 PM |
| gilbow | $25.00 | $25.00 | 7/23/2009 4:01:39 PM |
| fareast_man | $25.00 | $25.00 | 7/23/2009 4:07:23 PM |
| PHI4308 | $25.00 | $25.00 | 7/23/2009 4:02:27 PM |
| kegs | $250.00 | $250.00 | 7/23/2009 4:02:06 PM |
| Champpilot | $50.00 | $50.00 | 7/23/2009 4:02:14 PM |
| zeelender | $25.00 | $25.00 | 7/23/2009 4:03:42 PM |
| skibum65 | $50.00 | $50.00 | 7/23/2009 4:03:48 PM |
| moopi | $25.00 | $25.00 | 7/23/2009 4:03:24 PM |
| TrustinOthers | $25.00 | $25.00 | 7/23/2009 4:04:05 PM |
| FeedTheMachine | $50.00 | $50.00 | 7/23/2009 4:04:08 PM |
| leftcoast52 | $25.00 | $25.00 | 7/23/2009 4:04:40 PM |
| larrybird | $250.00 | $250.00 | 7/23/2009 4:04:55 PM |
| incbx | $50.00 | $50.00 | 7/23/2009 4:04:59 PM |
| sail120 | $25.00 | $25.00 | 7/23/2009 4:05:52 PM |
| draggon77 | $25.00 | $25.00 | 7/23/2009 4:07:01 PM |
| greenwell | $25.00 | $25.00 | 7/23/2009 5:41:51 PM |
| RusRobo | $25.00 | $25.00 | 7/23/2009 9:36:59 PM |
| the-profit-oracle | $25.00 | $25.00 | 7/23/2009 8:16:49 PM |
| ohnezweck | $25.00 | $25.00 | 7/24/2009 8:33:19 AM |
| NATIVEBORN | $50.00 | $50.00 | 7/24/2009 8:34:19 AM |
| DadWarbucks | $50.00 | $50.00 | 7/24/2009 8:36:39 AM |
| Hexnut | $25.00 | $25.00 | 7/24/2009 9:17:41 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/24/2009 10:07:56 AM |
| nicklds | $25.00 | $25.00 | 7/24/2009 2:26:50 PM |
| skiberdad | $36.73 | $36.73 | 7/25/2009 4:36:36 AM |
| Flying_Tilapia | $200.00 | $200.00 | 7/25/2009 9:09:56 PM |
| unger | $102.96 | $102.96 | 7/26/2009 2:51:10 AM |
| omahajay | $75.00 | $75.00 | 7/26/2009 11:11:04 PM |
| jrobe925 | $50.00 | $50.00 | 7/27/2009 1:24:15 AM |
| fireferd | $100.00 | $100.00 | 7/27/2009 3:43:24 PM |
| AustinAmerica | $50.00 | $50.00 | 7/27/2009 11:51:16 PM |
| kmanttis | $50.00 | $50.00 | 7/28/2009 3:17:25 AM |
| kulender | $50.00 | $50.00 | 7/29/2009 7:27:08 PM |
| rockhound84 | $50.00 | $50.00 | 7/30/2009 10:16:28 AM |
| orangemutt | $50.00 | $50.00 | 7/30/2009 9:23:44 PM |
| dizzydude | $25.00 | $25.00 | 7/31/2009 10:27:16 AM |
| jjsparks28 | $50.00 | $50.00 | 7/31/2009 6:31:49 PM |
| 110 bids
|
Borrower Payment Dependent Notes Series
416349
This series of Notes was issued and sold upon the funding of the borrower loan #38121, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-16-2009 |
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction end date:
| Jul-30-2009 |
|
|
Starting lender yield:
| 19.67% |
Starting borrower rate/APR:
| 20.67% / 22.92% |
Starting monthly payment:
| $262.54 |
|
Final lender yield:
| 16.85% |
Final borrower rate/APR:
| 17.85% / 20.06% |
Final monthly payment:
| $252.54 |
| |
|
Auction yield range:
| 8.23% - 19.67% |
Estimated loss impact:
| 8.39% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.46% | | |
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:
| Oct-1990 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $19,145 |
Occupation: | Tradesman - Electri... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 89% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Horatio |
Borrower's state:
| Maryland |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 16 ( 100% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $14,700.00 | < mo. late:
| 0
( 0% )
| 700-720
(Dec-2007)
720-740
(Feb-2007)
|
|
Principal balance:
| $0.01 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Third Prosper loan - Debt conslidat
Purpose of loan:
This loan will be used to pay off higher credit card debt.
My financial situation:
I have about 49% of my pay as disposable income. Bills are paid on time and I am a current lender at Prosper, outstanding loans prior to the rules changing. I have paid off two previous Prosper loans.
Monthly net income: $ 4500 +
Monthly expenses: $ 2302
Housing: $ 344
Insurance: $ 150
Car expenses: $ 60/mo average maintenance
Utilities: $ 255
Phone, cable, internet: $ 120
Food, entertainment: $ 800
Clothing, household expenses $ 100
Credit cards and other loans: $ 373
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:
Wow - Great payment hisory & a Prosper Lender!
Can you get some bids from friends & family? You would be helping them get a great return, and if they trust you with $$ so can I (and some of my friends)! - JGuide
A:
No offense, but, this sounds more like a tactic from Prosper to boost lenders, the best way to do that is to get more states on board. I do not have family in the States allowed to loan. As far as trusting me, the information I've provided speaks for itself.
Thank you for your question.
(Jul-20-2009)
Q:
How many months of your salary do you have in savings? - blLending
A:
3 months
Thanks for your interest.
(Jul-20-2009)
Q:
Do you expect to carry this loan to maturity or pay it back sooner? What kind of rates are you carrying on your cards? - enriched-truth
A:
The loan will be paid back sooner, I'll pay the loan off within 16 months, then apply for a new loan to pay off the next card.
I have a loan coming due at 18%, which has been at 0%. I'm hoping the prosper loan will be bid below the 18%. Even if it isn't bid below 18% I'll still take the loan out of consideration for the bidders.
Regards.
(Jul-22-2009)
Q:
What are your living arrangements that they are so low? Sorry to be nosy, but it's unusual. I think you can answer privately if you choose. - CMDCO
A:
Don't mind. My mother-in-law lives with us, she pays a good portion of the mortgage (which is small, we arn't touching the equity) and the rest of our bills are small (relatively to income). I hate monthly bills with a passion and have made every reasonable cutback that I can.
Regards.
(Jul-22-2009)
Q:
You say you hate bills with a passion, but you have revolving credit of &19,000+. Why are you carrying this large amount? - ratzlefrss
A:
I made a mistake. Last year I borrowed from my credit cards to invest in the market. Who knew Bear Stearns would close at $32 on Friday and open at $2 on Monday? I invested badly. I haven't used my credit cards since the end of last year, paying down the balance. Regards
(Jul-29-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ROYFU | $100.00 | $100.00 | 7/16/2009 6:00:27 PM |
| kulender | $50.00 | $50.00 | 7/16/2009 8:29:51 PM |
| SnakeV | $35.00 | $35.00 | 7/17/2009 8:13:02 AM |
| Rogelio48 | $25.00 | $25.00 | 7/17/2009 2:12:03 PM |
| Midg | $25.00 | $25.00 | 7/17/2009 3:51:45 PM |
| stonehillloans | $50.00 | $50.00 | 7/18/2009 4:32:08 AM |
| spudbeach | $100.00 | $100.00 | 7/18/2009 12:51:14 PM |
| BankOfThomas | $200.00 | $200.00 | 7/19/2009 6:08:35 PM |
| chkrvrty | $25.00 | $25.00 | 7/20/2009 6:57:25 AM |
| Boxhead | $200.00 | $200.00 | 7/20/2009 9:22:12 AM |
| LarryNY | $25.00 | $25.00 | 7/20/2009 1:03:23 PM |
| JJS180 | $25.00 | $25.00 | 7/21/2009 12:59:44 PM |
| yikers | $25.00 | $25.00 | 7/21/2009 11:52:50 AM |
| Fun54115 | $50.00 | $50.00 | 7/23/2009 2:46:54 PM |
| CashBank | $25.00 | $25.00 | 7/24/2009 9:47:01 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/24/2009 10:07:15 AM |
| JustMee | $25.00 | $25.00 | 7/24/2009 8:50:49 PM |
| srthsvghdthtr | $25.00 | $25.00 | 7/25/2009 9:31:42 PM |
| jpjazzman | $35.00 | $35.00 | 7/26/2009 11:12:12 AM |
| CMDCO | $50.00 | $50.00 | 7/26/2009 12:52:49 PM |
| djmjkelso | $25.00 | $25.00 | 7/27/2009 12:33:31 AM |
| Smitty33 | $50.00 | $50.00 | 7/27/2009 8:50:06 PM |
| spiff666 | $25.00 | $25.00 | 7/27/2009 8:24:28 PM |
| MapleLaker | $25.00 | $25.00 | 7/28/2009 12:09:15 PM |
| mcshew99 | $117.33 | $117.33 | 7/28/2009 11:44:00 AM |
| violaetain | $50.00 | $50.00 | 7/28/2009 6:51:06 PM |
| t2smoney | $75.00 | $75.00 | 7/28/2009 7:15:05 PM |
| PCGeekWI | $25.00 | $25.00 | 7/28/2009 10:06:30 PM |
| ussugm | $25.00 | $25.00 | 7/29/2009 7:24:00 AM |
| Leshan | $50.00 | $50.00 | 7/29/2009 8:30:47 AM |
| mauge35 | $50.00 | $50.00 | 7/29/2009 10:58:13 AM |
| mjerryfirst | $400.00 | $400.00 | 7/29/2009 12:04:04 PM |
| Sol_Invictus | $25.00 | $25.00 | 7/29/2009 3:05:27 PM |
| earth70s | $25.00 | $25.00 | 7/29/2009 3:51:13 PM |
| goatman | $50.00 | $50.00 | 7/29/2009 12:58:47 PM |
| enriched-truth | $25.00 | $25.00 | 7/29/2009 4:33:08 PM |
| unger | $100.00 | $100.00 | 7/29/2009 7:36:51 PM |
| OzGuy609 | $25.00 | $25.00 | 7/30/2009 5:31:30 AM |
| BlueProteus | $25.00 | $25.00 | 7/29/2009 8:03:42 PM |
| karmanxten | $254.94 | $254.94 | 7/29/2009 9:16:08 PM |
| Bait989 | $26.00 | $26.00 | 7/29/2009 10:20:27 PM |
| jtc26 | $50.00 | $50.00 | 7/30/2009 9:23:50 AM |
| Croquer | $25.00 | $25.00 | 7/30/2009 10:33:15 AM |
| ctruong53 | $80.00 | $80.00 | 7/30/2009 10:52:17 AM |
| lagnisiruk | $33.00 | $33.00 | 7/30/2009 10:14:07 AM |
| transaction-circuit | $50.00 | $50.00 | 7/30/2009 7:07:46 AM |
| Schwamie | $328.28 | $328.28 | 7/30/2009 8:24:33 AM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 11:27:21 AM |
| ratzlefrss | $50.00 | $50.00 | 7/30/2009 11:04:20 AM |
| sjo1984111 | $25.00 | $25.00 | 7/30/2009 9:22:06 AM |
| CREinvestor | $50.00 | $50.00 | 7/30/2009 1:00:32 PM |
| myrddraal | $25.00 | $25.00 | 7/30/2009 9:50:23 AM |
| Taho | $50.00 | $50.00 | 7/30/2009 11:44:54 AM |
| NanChuck | $50.00 | $50.00 | 7/30/2009 1:28:37 PM |
| lagnisiruk | $66.00 | $66.00 | 7/30/2009 12:12:07 PM |
| RecoveryLender | $25.00 | $25.00 | 7/30/2009 12:18:17 PM |
| libraryfrenzy | $25.00 | $25.00 | 7/30/2009 10:31:35 AM |
| ALANGREANSPAN | $50.00 | $50.00 | 7/30/2009 2:57:59 PM |
| AlBRich | $25.00 | $25.00 | 7/30/2009 2:03:29 PM |
| bitano | $50.00 | $50.00 | 7/30/2009 11:41:21 AM |
| Mr_Katana | $25.00 | $25.00 | 7/30/2009 2:33:54 PM |
| bruinguy | $25.00 | $25.00 | 7/30/2009 12:16:01 PM |
| marklit | $513.25 | $513.25 | 7/30/2009 2:45:39 PM |
| leprechaun92 | $25.00 | $25.00 | 7/30/2009 2:47:16 PM |
| Isotope | $50.00 | $50.00 | 7/30/2009 2:59:16 PM |
| Bank_Of_XL | $100.00 | $100.00 | 7/17/2009 9:04:18 AM |
| tashara | $25.00 | $25.00 | 7/17/2009 1:37:52 PM |
| Top_Gun_Lender | $51.00 | $51.00 | 7/17/2009 12:56:52 PM |
| unger | $94.32 | $94.32 | 7/17/2009 11:03:40 PM |
| the-debt-fluffy-bunny | $100.00 | $100.00 | 7/17/2009 11:54:35 PM |
| AustinAmerica | $25.00 | $25.00 | 7/18/2009 5:44:38 PM |
| rockhound84 | $25.00 | $25.00 | 7/19/2009 2:26:07 PM |
| happyalive | $25.00 | $25.00 | 7/19/2009 11:37:38 AM |
| MilitaryAV8R | $25.00 | $25.00 | 7/20/2009 5:02:14 AM |
| acfreema | $50.00 | $50.00 | 7/21/2009 6:38:59 AM |
| aultraman | $50.00 | $50.00 | 7/22/2009 10:03:40 AM |
| dpries123 | $25.00 | $25.00 | 7/23/2009 9:56:17 AM |
| rebeldog67 | $74.36 | $74.36 | 7/23/2009 2:33:34 AM |
| dtheo | $40.19 | $40.19 | 7/23/2009 10:15:07 AM |
| peregrine | $50.00 | $50.00 | 7/23/2009 3:28:54 PM |
| Sugarmama21 | $51.99 | $51.99 | 7/24/2009 2:01:55 PM |
| rockhound84 | $25.00 | $25.00 | 7/24/2009 4:35:47 PM |
| Cherrypicker | $37.88 | $37.88 | 7/25/2009 10:36:37 PM |
| swti37 | $50.00 | $50.00 | 7/26/2009 10:37:42 AM |
| Credit2Prosper | $50.00 | $50.00 | 7/27/2009 7:26:09 AM |
| Bobafet | $25.00 | $25.00 | 7/28/2009 11:41:33 AM |
| KSgirl89 | $50.00 | $50.00 | 7/28/2009 8:44:32 PM |
| Chillito | $100.00 | $100.00 | 7/28/2009 11:56:55 PM |
| Johnab | $25.00 | $25.00 | 7/28/2009 10:45:38 PM |
| j5505 | $40.00 | $40.00 | 7/29/2009 6:15:44 AM |
| foofiter | $25.00 | $25.00 | 7/29/2009 7:19:09 AM |
| wyogirllender | $25.00 | $25.00 | 7/29/2009 9:16:06 AM |
| aha6297 | $40.00 | $40.00 | 7/29/2009 9:57:08 AM |
| profreshonal | $30.00 | $30.00 | 7/29/2009 1:17:05 PM |
| paradiseinvestor | $50.00 | $50.00 | 7/29/2009 12:15:51 PM |
| ldr2000 | $50.00 | $50.00 | 7/29/2009 6:59:01 PM |
| northern_paddler | $25.00 | $25.00 | 7/29/2009 7:00:54 PM |
| scamps | $50.00 | $50.00 | 7/29/2009 10:01:21 PM |
| Steveington | $50.00 | $50.00 | 7/29/2009 8:50:31 PM |
| j5505 | $59.00 | $59.00 | 7/30/2009 8:17:37 AM |
| theboygenius | $50.00 | $50.00 | 7/30/2009 8:27:24 AM |
| Easystreet | $25.00 | $25.00 | 7/30/2009 1:54:31 AM |
| Ray3486 | $25.00 | $25.00 | 7/30/2009 11:01:13 AM |
| Firescreek | $25.00 | $25.00 | 7/30/2009 8:28:15 AM |
| kermitdafrog | $25.00 | $25.00 | 7/30/2009 8:56:44 AM |
| Syzygy | $25.00 | $25.00 | 7/30/2009 12:15:46 PM |
| Washington_Loan | $25.00 | $25.00 | 7/30/2009 9:31:35 AM |
| lepolgr | $50.00 | $50.00 | 7/30/2009 12:26:10 PM |
| StarFundingSource | $25.00 | $25.00 | 7/30/2009 11:21:40 AM |
| maga | $50.00 | $50.00 | 7/30/2009 11:50:45 AM |
| igalburt | $35.60 | $35.60 | 7/30/2009 12:58:34 PM |
| stepthirteen | $35.88 | $35.88 | 7/30/2009 10:21:54 AM |
| market-inspector | $100.00 | $100.00 | 7/30/2009 10:24:38 AM |
| NewYorker48 | $54.75 | $54.75 | 7/30/2009 1:56:18 PM |
| transaction-animal8 | $25.00 | $25.00 | 7/30/2009 2:35:14 PM |
| Snoopylover | $25.00 | $25.00 | 7/30/2009 1:37:21 PM |
| eprometheus | $125.00 | $125.00 | 7/30/2009 11:03:14 AM |
| medman | $68.90 | $68.90 | 7/30/2009 11:53:40 AM |
| theboygenius | $50.00 | $50.00 | 7/30/2009 12:19:34 PM |
| thegreatone | $100.00 | $97.33 | 7/30/2009 2:55:53 PM |
| leprechaun92 | $25.00 | $25.00 | 7/30/2009 2:56:14 PM |
| HenlopenCapital | $25.00 | $25.00 | 7/30/2009 12:48:25 PM |
| LAKETIME | $25.00 | $25.00 | 7/30/2009 1:20:04 PM |
| adam28 | $25.00 | $25.00 | 7/30/2009 1:22:59 PM |
| jakdwak | $25.00 | $25.00 | 7/30/2009 2:04:18 PM |
| 125 bids
|
Borrower Payment Dependent Notes Series
416463
This series of Notes was issued and sold upon the funding of the borrower loan #38111, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Jul-28-2009 |
|
|
Starting lender yield:
| 10.52% |
Starting borrower rate/APR:
| 11.52% / 13.65% |
Starting monthly payment:
| $329.86 |
|
Final lender yield:
| 7.77% |
Final borrower rate/APR:
| 8.77% / 10.86% |
Final monthly payment:
| $316.93 |
| |
|
Auction yield range:
| 3.23% - 10.52% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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:
| Apr-1990 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 820-840 (Jul-2009) |
Current / open credit lines:
| 20
/
19 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 45 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,939 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 13% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| treeman66 |
Borrower's state:
| Minnesota |
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:
| 22 ( 100% )
| 820-840 (Latest)
|
|
Principal borrowed:
| $24,000.00 | < mo. late:
| 0
( 0% )
| 840-860
(Aug-2007)
|
|
Principal balance:
| $10,359.34 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Combined credit cards
Purpose of loan:
To combined my credit card accounts to lower my interest?s rate or even keeping it the same and stop using those credit cards. This way I will be able make the same payment every month and see my debt go down and know a date when this will be paid off. I make my payments on time with all my bills I just want to get out of debt and stay out. I have my kid starting collage next year and want to help him with that.
My financial situation:
I do make all my payments on time and I can afford the loan just want to have a date (goal) to get out of debt. I have owned a house for over 21 years and never was late with any payments.
Monthly net income: $ 8,800
Monthly expenses: $
Housing: $ 3,426.00
Insurance: $ 389
Car expenses: $ 300
Utilities: $ 350
Phone, cable, internet: $ 126
Food, entertainment: $ 900
Clothing, household expenses $ 100
Credit cards and other loans: $ 900
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:
What was your previous prosper loan used for. Are you seeking to pay off that loan with this one? - ngmansfield
A:
yes
(Jul-16-2009)
Q:
Your other loan is at 11.11%, how much lower do you expect this one to go in order to pay off the other with this one? - vanklein
A:
It's to get a lower payment per month so i can maybe could loan in prosper
(Jul-22-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| woodenshoes | $100.00 | $100.00 | 7/14/2009 5:35:49 PM |
| PaulW | $25.00 | $25.00 | 7/14/2009 5:35:56 PM |
| virtualbank | $25.00 | $25.00 | 7/14/2009 5:37:02 PM |
| Sigonio | $25.00 | $25.00 | 7/14/2009 5:37:18 PM |
| rjleves | $25.00 | $25.00 | 7/14/2009 5:37:23 PM |
| salala | $25.00 | $25.00 | 7/14/2009 5:38:06 PM |
| tallcoolone | $25.00 | $25.00 | 7/14/2009 5:39:00 PM |
| bradwill | $50.00 | $50.00 | 7/14/2009 5:39:09 PM |
| jbadawg1017 | $25.00 | $25.00 | 7/14/2009 5:39:39 PM |
| atlviet | $25.00 | $25.00 | 7/14/2009 5:39:33 PM |
| kegs | $250.00 | $250.00 | 7/14/2009 5:38:13 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/14/2009 5:38:50 PM |
| larrybird | $250.00 | $250.00 | 7/14/2009 5:40:29 PM |
| peb44 | $25.00 | $25.00 | 7/14/2009 6:46:07 PM |
| Binan | $25.00 | $25.00 | 7/14/2009 5:40:12 PM |
| thedoctor | $25.00 | $25.00 | 7/14/2009 8:36:39 PM |
| Artist_Blue | $25.00 | $25.00 | 7/15/2009 6:04:13 AM |
| K2Outlaws | $25.00 | $25.00 | 7/15/2009 11:17:50 AM |
| Jynxie | $50.00 | $50.00 | 7/15/2009 11:37:36 AM |
| TennSquire | $25.00 | $25.00 | 7/15/2009 4:28:02 PM |
| mrzz | $25.00 | $25.00 | 7/15/2009 2:47:51 PM |
| Terapin0511 | $53.09 | $53.09 | 7/15/2009 7:29:42 PM |
| laststrawman | $25.00 | $25.00 | 7/16/2009 10:28:08 AM |
| ayerobbie | $25.00 | $25.00 | 7/16/2009 10:28:09 AM |
| Guiren | $50.00 | $50.00 | 7/16/2009 12:57:28 PM |
| HibbyD | $35.00 | $35.00 | 7/16/2009 1:12:33 PM |
| mtpscuba | $25.00 | $25.00 | 7/16/2009 1:09:01 PM |
| giannyny | $25.00 | $25.00 | 7/16/2009 1:13:12 PM |
| DeathScythe676 | $25.00 | $25.00 | 7/16/2009 6:17:20 PM |
| skistud66 | $25.00 | $25.00 | 7/16/2009 6:27:36 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/16/2009 6:43:04 PM |
| kaykarun | $50.00 | $50.00 | 7/17/2009 12:47:30 AM |
| vinayski | $25.00 | $25.00 | 7/17/2009 7:51:55 AM |
| KBank | $25.00 | $25.00 | 7/17/2009 7:57:04 AM |
| Sumach | $25.00 | $25.00 | 7/17/2009 8:37:42 AM |
| leemic | $25.00 | $25.00 | 7/17/2009 10:02:24 AM |
| tylerfd | $25.00 | $25.00 | 7/17/2009 8:01:57 AM |
| jfd287 | $25.00 | $25.00 | 7/17/2009 8:41:58 AM |
| mjcjmm4407 | $25.00 | $25.00 | 7/17/2009 10:27:09 PM |
| OLYVRC | $25.00 | $25.00 | 7/17/2009 9:02:20 PM |
| L-vex | $25.00 | $25.00 | 7/18/2009 11:47:01 AM |
| Midg | $25.00 | $25.00 | 7/18/2009 4:52:00 AM |
| RandomMonkey | $25.00 | $25.00 | 7/18/2009 7:31:58 AM |
| farmgirl27 | $50.00 | $50.00 | 7/18/2009 9:01:55 AM |
| emunah6 | $25.00 | $25.00 | 7/18/2009 11:00:12 AM |
| interstellar | $100.00 | $100.00 | 7/19/2009 8:52:52 AM |
| Xeo | $25.00 | $25.00 | 7/19/2009 10:47:44 AM |
| krishopper | $25.00 | $25.00 | 7/19/2009 9:26:49 AM |
| financelover | $25.00 | $25.00 | 7/19/2009 11:16:49 AM |
| LordKinbote | $25.00 | $25.00 | 7/19/2009 3:11:53 PM |
| Makemony | $50.00 | $50.00 | 7/19/2009 3:54:30 PM |
| BlindProphet | $25.00 | $25.00 | 7/19/2009 3:58:16 PM |
| jonesboyz | $25.00 | $25.00 | 7/19/2009 4:26:56 PM |
| Thelonius10 | $25.00 | $25.00 | 7/19/2009 8:21:38 PM |
| StarE | $25.00 | $25.00 | 7/19/2009 8:56:49 PM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:07:07 PM |
| Imageloan | $25.00 | $25.00 | 7/20/2009 2:58:09 AM |
| markwms | $25.00 | $25.00 | 7/20/2009 9:26:42 AM |
| wormdc | $25.00 | $25.00 | 7/20/2009 12:17:14 PM |
| damage | $25.00 | $25.00 | 7/20/2009 9:32:40 AM |
| TJ-Financial-Group | $47.56 | $47.56 | 7/20/2009 12:46:45 PM |
| Wart126 | $25.00 | $25.00 | 7/20/2009 11:39:08 AM |
| mlbox3k | $25.00 | $25.00 | 7/20/2009 3:31:51 PM |
| cny_loans | $25.00 | $25.00 | 7/20/2009 5:16:58 PM |
| Hexnut | $50.00 | $50.00 | 7/20/2009 9:32:00 PM |
| njmlaj726 | $50.00 | $50.00 | 7/21/2009 8:52:25 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:08 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:11 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:47 AM |
| leeball | $48.31 | $48.31 | 7/21/2009 1:01:49 PM |
| greenwell | $50.00 | $50.00 | 7/21/2009 1:52:57 PM |
| ohnezweck | $25.00 | $25.00 | 7/21/2009 3:22:09 PM |
| fontana | $25.00 | $25.00 | 7/21/2009 11:37:32 AM |
| OldestBrother | $50.00 | $50.00 | 7/21/2009 3:23:17 PM |
| majormoves1 | $25.00 | $25.00 | 7/21/2009 3:25:40 PM |
| grampy48 | $25.00 | $25.00 | 7/21/2009 2:11:44 PM |
| Ireland64 | $25.00 | $25.00 | 7/21/2009 3:23:39 PM |
| bigrpf5 | $25.00 | $25.00 | 7/21/2009 3:23:45 PM |
| sajitp | $37.19 | $37.19 | 7/21/2009 3:25:21 PM |
| bowdish1 | $32.30 | $32.30 | 7/21/2009 3:25:44 PM |
| Mark-O-Polo | $25.00 | $25.00 | 7/21/2009 3:25:49 PM |
| aesop | $25.00 | $25.00 | 7/21/2009 4:13:25 PM |
| PatRichi | $25.00 | $25.00 | 7/21/2009 11:31:33 PM |
| amsterq | $25.00 | $25.00 | 7/22/2009 9:32:06 AM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:56:44 AM |
| secret-santa | $25.00 | $25.00 | 7/22/2009 11:37:17 AM |
| charb57 | $26.77 | $26.77 | 7/22/2009 7:31:37 PM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:15 PM |
| papaman | $25.00 | $25.00 | 7/22/2009 8:16:53 PM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:10 AM |
| jpmusic | $25.00 | $25.00 | 7/23/2009 8:42:44 AM |
| TheBestDad | $25.00 | $25.00 | 7/23/2009 12:06:51 PM |
| sloak | $25.00 | $25.00 | 7/23/2009 8:46:41 AM |
| BayShell | $40.00 | $40.00 | 7/23/2009 12:51:45 PM |
| MplsLawyers | $25.00 | $25.00 | 7/23/2009 9:33:42 AM |
| diverse2 | $50.00 | $50.00 | 7/23/2009 10:02:15 AM |
| WorldlyWorker | $25.00 | $25.00 | 7/23/2009 5:07:29 PM |
| Orringo | $25.00 | $25.00 | 7/23/2009 6:28:05 PM |
| AnastasiaBeaverhausen | $25.00 | $25.00 | 7/23/2009 6:41:52 PM |
| fdsguy | $26.76 | $26.76 | 7/23/2009 5:36:42 PM |
| szetheli | $25.00 | $25.00 | 7/23/2009 5:48:15 PM |
| mizount | $25.00 | $25.00 | 7/23/2009 11:36:56 PM |
| Mopedcouple | $25.00 | $25.00 | 7/24/2009 8:26:36 AM |
| moneyman06 | $25.00 | $25.00 | 7/24/2009 9:31:41 AM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:17 AM |
| latestone | $25.00 | $25.00 | 7/24/2009 11:01:41 AM |
| brit11 | $25.00 | $25.00 | 7/24/2009 11:41:57 AM |
| naniamo | $25.00 | $25.00 | 7/24/2009 11:16:35 AM |
| Phillip4ever | $25.00 | $25.00 | 7/24/2009 11:37:13 AM |
| cingular | $25.00 | $25.00 | 7/24/2009 2:07:15 PM |
| nicklds | $100.00 | $100.00 | 7/24/2009 2:31:40 PM |
| Lender0424 | $25.00 | $25.00 | 7/24/2009 2:46:34 PM |
| xyzlmno | $50.00 | $50.00 | 7/24/2009 5:04:41 PM |
| kayakg | $25.00 | $25.00 | 7/24/2009 5:07:12 PM |
| amijo | $50.00 | $50.00 | 7/24/2009 5:03:37 PM |
| Norcal | $25.00 | $25.00 | 7/24/2009 5:08:02 PM |
| TA85 | $25.00 | $25.00 | 7/24/2009 5:05:21 PM |
| BaltimoreLender | $25.00 | $25.00 | 7/24/2009 5:06:55 PM |
| SKG | $25.00 | $25.00 | 7/24/2009 5:04:26 PM |
| b2006 | $25.00 | $25.00 | 7/24/2009 5:06:27 PM |
| ChicoBob | $50.00 | $50.00 | 7/24/2009 5:07:08 PM |
| wrchism | $32.98 | $32.98 | 7/24/2009 5:08:04 PM |
| loantigger | $25.00 | $25.00 | 7/24/2009 6:06:50 PM |
| labate | $25.00 | $25.00 | 7/24/2009 9:21:39 PM |
| jldallover | $25.00 | $25.00 | 7/24/2009 9:17:03 PM |
| Nothus | $25.00 | $25.00 | 7/25/2009 11:32:06 AM |
| ADenny | $25.00 | $25.00 | 7/25/2009 2:06:45 PM |
| fortytwo | $125.00 | $125.00 | 7/25/2009 9:11:59 PM |
| FCI | $25.00 | $25.00 | 7/25/2009 9:17:20 PM |
| randsenterprise | $25.00 | $25.00 | 7/25/2009 10:29:39 PM |
| Goodnotlucky | $100.00 | $22.51 | 7/25/2009 11:00:31 PM |
| USMC0311 | $25.00 | $25.00 | 7/26/2009 5:46:43 AM |
| bankofsam | $25.00 | $25.00 | 7/26/2009 8:41:53 AM |
| jmichael23 | $54.26 | $54.26 | 7/26/2009 3:23:22 PM |
| zyztemboy | $25.00 | $25.00 | 7/26/2009 1:46:46 PM |
| lucky6 | $25.00 | $25.00 | 7/26/2009 8:41:37 PM |
| Mowtown | $100.00 | $100.00 | 7/26/2009 3:13:35 PM |
| Bladewil | $25.00 | $25.00 | 7/26/2009 6:36:36 PM |
| serpentine | $50.00 | $50.00 | 7/27/2009 5:46:46 AM |
| indomart | $25.00 | $25.00 | 7/26/2009 9:21:56 PM |
| Dan12781 | $25.00 | $25.00 | 7/27/2009 9:26:32 AM |
| brstern2 | $25.00 | $25.00 | 7/27/2009 9:32:18 AM |
| JonnyCash | $25.00 | $25.00 | 7/27/2009 10:03:15 AM |
| caipira | $25.00 | $25.00 | 7/27/2009 9:32:11 AM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:36:53 AM |
| mvpratt | $25.00 | $25.00 | 7/27/2009 3:57:00 PM |
| pinaypie1 | $25.00 | $25.00 | 7/27/2009 5:11:36 PM |
| SavannahBear | $25.00 | $25.00 | 7/28/2009 6:11:31 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:11:33 AM |
| BadgerNotes | $25.00 | $25.00 | 7/28/2009 7:12:25 AM |
| buukyak | $25.00 | $25.00 | 7/28/2009 7:12:30 AM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:21:44 AM |
| bmcg | $25.00 | $25.00 | 7/28/2009 7:39:23 AM |
| mastermvp | $50.00 | $50.00 | 7/28/2009 10:12:07 AM |
| dadalou | $25.00 | $25.00 | 7/28/2009 10:16:54 AM |
| BGILlender | $25.00 | $25.00 | 7/28/2009 10:07:01 AM |
| AJSinvest | $25.00 | $25.00 | 7/28/2009 10:12:40 AM |
| slojudy | $25.00 | $25.00 | 7/28/2009 11:32:56 AM |
| leucadian | $25.00 | $25.00 | 7/28/2009 11:06:35 AM |
| PAID-IN-FULL | $25.00 | $25.00 | 7/28/2009 10:41:32 AM |
| LAKETIME | $25.00 | $25.00 | 7/28/2009 3:13:26 PM |
| HenlopenCapital | $25.00 | $25.00 | 7/28/2009 4:18:13 PM |
| Apeman00 | $25.00 | $25.00 | 7/28/2009 2:16:52 PM |
| seattleslug | $30.00 | $30.00 | 7/28/2009 4:47:33 PM |
| cards4u | $158.50 | $158.50 | 7/28/2009 4:52:28 PM |
| JMY1 | $25.00 | $25.00 | 7/28/2009 4:57:17 PM |
| dpdaug | $39.76 | $39.76 | 7/28/2009 5:32:33 PM |
| James_and_Tracy | $25.00 | $25.00 | 7/28/2009 5:16:56 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:19 PM |
| SanJoser | $100.00 | $100.00 | 7/28/2009 4:34:26 PM |
| pakrbkr | $25.00 | $25.00 | 7/14/2009 5:37:55 PM |
| totoro | $25.00 | $25.00 | 7/14/2009 5:36:40 PM |
| ChristopherHS | $25.00 | $25.00 | 7/14/2009 5:39:05 PM |
| DukSerduk | $25.00 | $25.00 | 7/14/2009 5:37:12 PM |
| abidos | $25.00 | $25.00 | 7/14/2009 5:39:17 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/14/2009 5:39:25 PM |
| gotyourgear | $25.00 | $25.00 | 7/14/2009 5:38:55 PM |
| truth-companion | $25.00 | $25.00 | 7/14/2009 5:39:55 PM |
| YellowJacket | $25.00 | $25.00 | 7/14/2009 7:21:26 PM |
| MT1130 | $25.00 | $25.00 | 7/14/2009 6:26:13 PM |
| dumbass | $25.00 | $25.00 | 7/14/2009 9:45:57 PM |
| kenji4861 | $50.00 | $50.00 | 7/15/2009 2:03:26 AM |
| 16888 | $50.00 | $50.00 | 7/15/2009 4:45:55 AM |
| 888168 | $50.00 | $50.00 | 7/15/2009 10:58:04 AM |
| guaton | $25.00 | $25.00 | 7/15/2009 1:37:49 PM |
| anton | $25.00 | $25.00 | 7/15/2009 5:38:25 PM |
| omahajay | $100.00 | $100.00 | 7/15/2009 11:19:48 PM |
| Sixmil | $25.00 | $25.00 | 7/16/2009 10:26:56 AM |
| NJNY | $25.00 | $25.00 | 7/16/2009 1:12:57 PM |
| mnmcarve | $25.00 | $25.00 | 7/16/2009 1:12:50 PM |
| outwish | $25.00 | $25.00 | 7/16/2009 3:52:46 PM |
| klin | $25.00 | $25.00 | 7/16/2009 5:22:29 PM |
| restech | $25.00 | $25.00 | 7/16/2009 11:46:57 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/17/2009 6:34:03 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/17/2009 7:05:01 AM |
| OGS_Capital | $25.00 | $25.00 | 7/17/2009 8:59:35 AM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 3:47:45 PM |
| GElender | $25.00 | $25.00 | 7/17/2009 5:12:12 PM |
| gizmo65 | $25.00 | $25.00 | 7/17/2009 6:59:25 PM |
| aislinnn | $25.00 | $25.00 | 7/17/2009 7:48:02 PM |
| dashawn | $25.00 | $25.00 | 7/17/2009 9:27:01 PM |
| midde551 | $100.00 | $100.00 | 7/18/2009 4:51:28 AM |
| jstefans | $25.00 | $25.00 | 7/19/2009 8:26:34 AM |
| djs81 | $25.00 | $25.00 | 7/19/2009 11:03:03 AM |
| JackinGreen | $65.00 | $65.00 | 7/19/2009 1:11:20 PM |
| andymax | $25.00 | $25.00 | 7/19/2009 5:57:04 PM |
| yenom | $25.00 | $25.00 | 7/19/2009 2:56:45 PM |
| wjf60 | $50.00 | $50.00 | 7/19/2009 4:38:42 PM |
| AgTiPinisher | $25.00 | $25.00 | 7/19/2009 11:07:41 PM |
| DrStaff | $30.00 | $30.00 | 7/19/2009 8:01:43 PM |
| Zipline | $25.00 | $25.00 | 7/20/2009 7:27:24 AM |
| grf1945 | $25.00 | $25.00 | 7/20/2009 5:51:45 AM |
| Boxhead | $25.00 | $25.00 | 7/20/2009 9:27:29 AM |
| timmydaddy | $25.00 | $25.00 | 7/20/2009 9:42:39 AM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 1:31:59 PM |
| Railbird | $25.00 | $25.00 | 7/20/2009 2:27:04 PM |
| MasterJin | $25.00 | $25.00 | 7/20/2009 2:32:51 PM |
| tashara | $50.00 | $50.00 | 7/20/2009 11:48:42 AM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:41:54 PM |
| fyrwlker12 | $25.00 | $25.00 | 7/20/2009 7:52:20 PM |
| SkonkeyGongo | $25.00 | $25.00 | 7/20/2009 8:51:58 PM |
| johnsails | $50.00 | $50.00 | 7/20/2009 8:21:49 PM |
| reueljw | $25.00 | $25.00 | 7/21/2009 6:57:34 AM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:06:48 AM |
| thesupplier | $25.00 | $25.00 | 7/21/2009 7:46:49 AM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:31 AM |
| Okeey | $25.00 | $25.00 | 7/21/2009 8:46:42 AM |
| bugleusmc | $30.00 | $30.00 | 7/21/2009 11:37:40 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:23 AM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:47:40 AM |
| ozzie | $25.00 | $25.00 | 7/21/2009 3:42:53 PM |
| market-assembler | $25.00 | $25.00 | 7/21/2009 2:50:46 PM |
| kanewna | $69.56 | $69.56 | 7/21/2009 3:21:32 PM |
| BenBernanke | $25.00 | $25.00 | 7/21/2009 3:22:29 PM |
| the-swiss-vault | $25.00 | $25.00 | 7/21/2009 3:23:32 PM |
| neenerman | $25.00 | $25.00 | 7/21/2009 3:25:14 PM |
| trucklawyer | $25.00 | $25.00 | 7/21/2009 3:25:55 PM |
| wwwUniversal | $25.00 | $25.00 | 7/21/2009 3:46:42 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:39 AM |
| b-rent | $25.00 | $25.00 | 7/22/2009 1:16:40 PM |
| John_14_6 | $25.00 | $25.00 | 7/22/2009 9:32:23 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:41:45 AM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:16:51 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:01:49 PM |
| YogaDude34 | $125.00 | $125.00 | 7/22/2009 3:12:03 PM |
| twerns | $25.00 | $25.00 | 7/22/2009 5:27:14 PM |
| soccerchamp213 | $25.00 | $25.00 | 7/22/2009 6:22:23 PM |
| Jassi | $50.00 | $50.00 | 7/23/2009 9:32:38 AM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 9:47:04 AM |
| tsui517 | $25.00 | $25.00 | 7/23/2009 1:46:56 PM |
| kubien | $25.00 | $25.00 | 7/23/2009 11:36:49 PM |
| able2help | $25.00 | $25.00 | 7/24/2009 6:21:35 AM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:11:46 AM |
| hope-amigo | $25.00 | $25.00 | 7/24/2009 9:31:53 AM |
| TadleyRPh | $25.00 | $25.00 | 7/24/2009 5:26:37 PM |
| iLoaner | $25.00 | $25.00 | 7/24/2009 5:36:42 PM |
| ojibwa | $25.00 | $25.00 | 7/24/2009 6:07:04 PM |
| fotep-financial | $50.00 | $50.00 | 7/24/2009 5:06:19 PM |
| sabre79 | $25.00 | $25.00 | 7/24/2009 5:06:31 PM |
| synergy4all | $25.00 | $25.00 | 7/24/2009 5:08:37 PM |
| incbx | $50.00 | $50.00 | 7/24/2009 8:11:46 PM |
| onegoodlender | $25.00 | $25.00 | 7/25/2009 7:02:11 AM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:18 PM |
| halfpintc | $25.00 | $25.00 | 7/25/2009 11:01:42 AM |
| dougm | $31.61 | $31.61 | 7/25/2009 10:11:34 PM |
| social-comet224 | $25.00 | $25.00 | 7/25/2009 9:17:31 PM |
| compassion-paladin042 | $25.00 | $25.00 | 7/26/2009 8:41:55 AM |
| Fahrquar | $25.00 | $25.00 | 7/26/2009 2:26:37 PM |
| psanganee | $25.00 | $25.00 | 7/26/2009 5:42:18 PM |
| moneyismyfriend | $50.00 | $50.00 | 7/26/2009 6:48:52 PM |
| jimbo29blue | $25.00 | $25.00 | 7/27/2009 5:01:47 AM |
| palmdelino | $33.95 | $33.95 | 7/26/2009 10:13:06 PM |
| Aethelwolf | $25.00 | $25.00 | 7/27/2009 7:21:39 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:51:35 AM |
| davidy | $25.00 | $25.00 | 7/27/2009 9:41:51 AM |
| axelducheck | $28.25 | $28.25 | 7/27/2009 10:25:52 AM |
| faldska | $25.00 | $25.00 | 7/27/2009 10:31:36 AM |
| reiterpitscrambledegg | $25.00 | $25.00 | 7/27/2009 11:26:33 AM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:01:55 PM |
| member874 | $25.00 | $25.00 | 7/27/2009 12:17:43 PM |
| onlyinchicago | $25.00 | $25.00 | 7/27/2009 3:22:15 PM |
| Sitgarath | $25.00 | $25.00 | 7/27/2009 6:56:32 PM |
| RusRobo | $25.00 | $25.00 | 7/27/2009 9:12:06 PM |
| geekguy | $25.00 | $25.00 | 7/28/2009 7:36:34 AM |
| flexible-value | $25.00 | $25.00 | 7/28/2009 9:32:59 AM |
| khamen | $25.00 | $25.00 | 7/28/2009 9:48:51 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:09 AM |
| authentic-deal8 | $25.00 | $25.00 | 7/28/2009 9:31:56 AM |
| durable-trade | $25.00 | $25.00 | 7/28/2009 9:32:27 AM |
| rulender | $25.00 | $25.00 | 7/28/2009 10:26:30 AM |
| mal12561 | $36.64 | $36.64 | 7/28/2009 11:17:19 AM |
| SimonHova | $25.00 | $25.00 | 7/28/2009 11:42:48 AM |
| Aubrei | $25.00 | $25.00 | 7/28/2009 11:02:25 AM |
| vacation-funding | $25.00 | $25.00 | 7/28/2009 11:17:28 AM |
| amlu1988 | $50.00 | $50.00 | 7/28/2009 12:23:24 PM |
| maga | $50.00 | $50.00 | 7/28/2009 12:32:17 PM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 1:09:00 PM |
| KeepOnRunning | $50.00 | $50.00 | 7/28/2009 3:21:38 PM |
| ChuckChedda | $25.00 | $25.00 | 7/28/2009 4:37:54 PM |
| ScottFinance | $25.00 | $25.00 | 7/28/2009 5:17:08 PM |
| 300 bids
|
Borrower Payment Dependent Notes Series
416595
This series of Notes was issued and sold upon the funding of the borrower loan #38125, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction start date:
| Jul-16-2009 |
|
Term:
| 36 months |
Estimated loss:
| 34.5% |
Auction end date:
| Jul-30-2009 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $119.28 |
|
Final lender yield:
| 24.00% |
Final borrower rate/APR:
| 25.00% / 27.31% |
Final monthly payment:
| $119.28 |
| |
|
Auction yield range:
| 17.23% - 24.00% |
Estimated loss impact:
| 35.88% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
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:
| 1 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 620-640 (Jul-2009) |
Current / open credit lines:
| 3
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 2 |
Total credit lines:
| 21 | Length of status: | 9y 5m |
|
Amount delinquent:
| $1,513 |
Revolving credit balance:
| $0 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 17 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| garnetchik |
Borrower's state:
| California |
Borrower's group:
| INVESTAR Lenders |
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% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $2,600.00 | < mo. late:
| 0
( 0% )
| 620-640
(May-2009)
600-620
(Jul-2008)
580-600
(Jan-2008)
540-560
(May-2007)
|
|
Principal balance:
| $900.45 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
continue path prosper has begun
Purpose of loan: Give Prosper lenders opportunity to replace another of my commercial lenders. A favorable rate here will replace my Dell Financial loan (I could show you a higher credit score if I'd quit closing my credit lines but that's my discipline).
Employment and income: Coming up on 10 years as Administrative Assistant to the Asst Superintendent of the School District. Our school already did their staff cut for the weak economy. That provides extra security for my position. I remain enrolled in the school's health and pre-tax retirement plans but suspended my 403 and 529 contributions to focus on debt.
My financial situation: Being part of the Prosper family has improved my life dramatically. Constructive feedback from lenders led me to become proactive with my finances. Payday and Cash Call are history. I also said goodbye to two loan agencies, three credit card accounts and paid off my credit union loans. I moved other debt to better rates. Since receiving my first Prosper loan two years ago I have reduced my debt from $25,800 to less than $11,000.
Monthly net income: $3,185
Monthly expenses: $2,864
500 Food
25 Clothing
400 Rent, house-share w/parents
200 Rent, storage unit
125 Utilities, my share
255 Phone, internet
10 Carpool, bus fare
140 Insurance memo (School Plan increases July)
200 Child care
185 10% contingency for misc expenses
155 **Capital One (They offered to lower apr from 28.99 to 9.9 if I pay 155 a month now owe 1159)
91 **Capital One (1057 @ 28.99)
75 Dell Financial Services (2,425 @ 28.24)
98 Prosper loan (981 @ 22.49)
35 CitiCard (576 @ 9.9)
95 Aviva (4500 @ 5.5)
275 **extra principal always paid
Monthly cash available: $781
(less expense buffer = 596, less extra on debt = 321)
I appreciate all constructive suggestions or questions you may have. Thank you. (DQ = fiasco with a debt management outfit. Their $85/mo advice nearly ruined me. DQ resulted.)
Information in the Description is not verified.
Friends And Family Winning Bids
gpuck has bid a total of
$100.00 in winning bids.
"Vetted borrower! We believe Garnetchik will treat you right. Go to INVESTAR Lenders group page and click "vetting information" for our report."
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
My compliments on your hard work to reduce debt and raise your credit score!
On the $1513 now delinquent, for what is that and how soon will it be paid? - Eaglehigh
A:
The DQ is due to poor advice I followed from a "debt management" company They advised me to pay them $85 a month save $200 a month stop payin my bills they would talk to the companies I owed money to & then I would pay them in lump sums I did this until I began to receive lawsuits for the DQ's The companies I DQed are Dell & 1 of the Capital One I will have the Capital One paid off in November the Dell will take me longer if I do not get this loan Immediately with loan Thank you for the question
(Jul-24-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| gpuck | $25.00 | $25.00 | 7/16/2009 7:09:55 PM |
| JGuide | $100.00 | $100.00 | 7/16/2009 5:43:22 PM |
| JGuide | $100.00 | $100.00 | 7/17/2009 4:22:16 PM |
| foofiter | $25.00 | $25.00 | 7/18/2009 8:30:04 AM |
| JGuide | $128.62 | $128.62 | 7/19/2009 11:13:52 AM |
| BonusTurtle | $50.00 | $50.00 | 7/20/2009 10:20:47 PM |
| BAEVentures | $50.00 | $50.00 | 7/21/2009 12:22:57 PM |
| rubylender | $25.00 | $25.00 | 7/24/2009 10:49:42 AM |
| wyobeads | $25.00 | $25.00 | 7/28/2009 2:01:01 PM |
| cookielady83 | $50.00 | $50.00 | 7/28/2009 5:45:01 PM |
| carrinel | $50.00 | $50.00 | 7/28/2009 5:47:10 PM |
| MSCG | $100.00 | $100.00 | 7/28/2009 6:48:26 PM |
| rebeldog67 | $25.00 | $25.00 | 7/28/2009 8:53:38 PM |
| planky | $50.00 | $50.00 | 7/29/2009 10:27:46 AM |
| macotra4 | $50.00 | $50.00 | 7/29/2009 11:31:52 AM |
| EretzCapital | $125.00 | $125.00 | 7/29/2009 11:53:12 AM |
| twjh | $25.00 | $25.00 | 7/29/2009 2:22:39 PM |
| unger | $25.00 | $25.00 | 7/30/2009 10:53:33 AM |
| FundMaker | $35.00 | $35.00 | 7/30/2009 12:21:37 PM |
| melito75 | $40.02 | $40.02 | 7/30/2009 2:24:43 PM |
| econgineer | $35.00 | $35.00 | 7/30/2009 11:51:39 AM |
| wyogirllender | $25.00 | $25.00 | 7/30/2009 12:00:49 PM |
| thegreatone | $601.41 | $601.41 | 7/30/2009 2:28:33 PM |
| lepolgr | $50.00 | $50.00 | 7/30/2009 2:35:13 PM |
| Isotope | $25.00 | $25.00 | 7/30/2009 2:39:46 PM |
| ColoradoLender82 | $25.00 | $25.00 | 7/30/2009 2:46:33 PM |
| GAHeel | $100.00 | $100.00 | 7/30/2009 2:59:41 PM |
| bobnewt | $50.00 | $50.00 | 7/16/2009 7:14:16 PM |
| JGuide | $25.00 | $25.00 | 7/17/2009 4:23:19 PM |
| JGuide | $100.00 | $100.00 | 7/19/2009 11:16:48 AM |
| gpuck | $75.00 | $75.00 | 7/19/2009 11:41:14 AM |
| sparkybrneyes | $28.10 | $28.10 | 7/27/2009 8:17:48 AM |
| Credit2Prosper | $25.00 | $25.00 | 7/27/2009 3:07:34 PM |
| unger | $100.00 | $100.00 | 7/28/2009 2:40:17 AM |
| stonehillloans | $25.00 | $25.00 | 7/28/2009 2:50:33 PM |
| JGuide | $100.00 | $100.00 | 7/28/2009 4:48:37 PM |
| chongngoc | $50.00 | $50.00 | 7/28/2009 7:46:17 PM |
| Credit2Prosper | $25.00 | $25.00 | 7/29/2009 8:25:29 AM |
| autoconnection | $25.00 | $25.00 | 7/29/2009 7:14:37 PM |
| BlueProteus | $25.00 | $25.00 | 7/29/2009 8:17:47 PM |
| Sonihal | $50.00 | $50.00 | 7/29/2009 8:30:35 PM |
| max007 | $51.00 | $51.00 | 7/30/2009 5:27:45 AM |
| JGuide | $100.00 | $100.00 | 7/29/2009 4:46:50 PM |
| frugalinvestor20 | $25.00 | $25.00 | 7/30/2009 7:00:17 AM |
| jrancher88 | $29.00 | $2.52 | 7/29/2009 7:47:07 PM |
| keeper24 | $53.33 | $53.33 | 7/30/2009 5:40:39 AM |
| Mr_Katana | $25.00 | $25.00 | 7/30/2009 2:35:24 PM |
| Eaglehigh | $50.00 | $50.00 | 7/30/2009 2:48:19 PM |
| Invest_GA | $25.00 | $25.00 | 7/30/2009 2:32:14 PM |
| 49 bids
|
Borrower Payment Dependent Notes Series
416603
This series of Notes was issued and sold upon the funding of the borrower loan #38118, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,600.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Jul-31-2009 |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $116.16 |
|
Final lender yield:
| 9.00% |
Final borrower rate/APR:
| 10.00% / 12.11% |
Final monthly payment:
| $116.16 |
| |
|
Auction yield range:
| 3.23% - 9.00% |
Estimated loss impact:
| 0.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.39% | | |
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:
| May-1989 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 16y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,837 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 7% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 24 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Sandelynn |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < mo. late:
| 0
( 0% )
| 720-740
(Mar-2008)
|
|
Principal balance:
| $4,127.51 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Buying a used car
Thank you for taking time to view my listing. The purpose of this loan is to purchase a used car for commuting to and from work.
I am a second time borrower here at Prosper. My current loan is in excellent standing, never having missed a payment.
I am a good candidate for this loan because I have a very steady employment history. I have been employed for the past 17 years with
the same employer. I am a Social Worker in a skilled nursing facility. I love the elderly folks I serve everyday and plan to remain there
for many more years! I am regarded among my peers, family, and friends as very trustworthy, hard working and loyal.
I have recovered from a Bankruptcy 4 years ago due to some unavoidable circumstances and have been steadily rebuilding my life and
my credit history. I have had a perfect payment history since that time. My monthly living expenses are very low and my monthly income
is approximately $3,000 which includes income from a home based Avon business, in addition to my full time salary.
I will appreciate any help that I receive from the Prosper members. Thank you so much.
I
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
what is the public record for? - The-Lighthouse-Group
A:
Hello, Thank you for your question.
The Public Record is a Bankruptcy which was filed in 2005 following a
divorce. I have worked very hard since that time to build my credit history
and credit score up well over 700 so far. This is very important to me as prior
to this filing my credit was always excellent. I have been consistent and timely
with all payments since that time also. Thanks so much.
(Jul-18-2009)
Q:
Can you please share your expenditure to potential lender so that we have more visibility of your financial situation. - usd1027
A:
Hello, Thank you for your question.
My monthly income is $3,000 In my household my income is used to pay
for the monthly utilities and food items which amount to approximately $1,020.
This includes my current Prosper loan payment of $220.52
(Jul-24-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| gary500 | $35.00 | $35.00 | 7/18/2009 3:59:12 PM |
| SafeSaxa | $25.00 | $25.00 | 7/19/2009 12:42:10 AM |
| SV-AZ | $35.00 | $35.00 | 7/18/2009 9:18:29 PM |
| mojii77 | $25.00 | $25.00 | 7/20/2009 11:30:38 AM |
| slick8812 | $25.00 | $25.00 | 7/21/2009 6:24:52 AM |
| BustosProp | $25.00 | $25.00 | 7/24/2009 10:56:51 AM |
| julijask | $25.00 | $25.00 | 7/27/2009 11:56:42 AM |
| houli123 | $25.00 | $25.00 | 7/27/2009 1:52:11 PM |
| Syzygy | $25.00 | $25.00 | 7/27/2009 7:32:02 PM |
| order-prospector | $100.00 | $97.50 | 7/29/2009 1:50:52 PM |
| PlusUltra | $100.00 | $100.00 | 7/30/2009 8:45:12 AM |
| otalon | $25.00 | $25.00 | 7/30/2009 12:13:56 PM |
| Mattfromotm | $30.00 | $30.00 | 7/30/2009 3:26:07 PM |
| D911ave | $50.00 | $50.00 | 7/30/2009 5:12:00 PM |
| ach | $100.00 | $100.00 | 7/30/2009 8:34:27 PM |
| engbusres | $50.00 | $50.00 | 7/30/2009 9:20:27 PM |
| 3konaz | $70.16 | $70.16 | 7/30/2009 5:13:54 PM |
| George2384 | $25.00 | $25.00 | 7/31/2009 10:27:46 AM |
| elloboverde | $50.00 | $50.00 | 7/31/2009 10:38:53 AM |
| hilsoon | $25.00 | $25.00 | 7/31/2009 10:42:39 AM |
| Happyhourcomics | $35.00 | $35.00 | 7/31/2009 11:19:07 AM |
| uralrider | $25.00 | $25.00 | 7/31/2009 11:20:28 AM |
| cardelt | $25.00 | $25.00 | 7/31/2009 11:56:05 AM |
| klemer | $25.00 | $25.00 | 7/31/2009 12:27:11 PM |
| jt88 | $50.00 | $50.00 | 7/31/2009 12:59:30 PM |
| otalon | $25.00 | $25.00 | 7/31/2009 1:29:19 PM |
| TenTalentSolutions | $30.00 | $30.00 | 7/31/2009 1:22:55 PM |
| CCIExpress | $25.00 | $25.00 | 7/31/2009 1:16:18 PM |
| Rancid | $50.00 | $50.00 | 7/31/2009 2:04:18 PM |
| Halehuaka_i | $50.00 | $50.00 | 7/31/2009 1:53:07 PM |
| revenue-shepherd | $25.00 | $25.00 | 7/31/2009 2:47:37 PM |
| affluence-tulip | $100.00 | $100.00 | 7/31/2009 2:55:51 PM |
| dannyboy_997 | $25.00 | $25.00 | 7/31/2009 3:16:54 PM |
| paceme1 | $50.00 | $50.00 | 7/31/2009 3:59:27 PM |
| showmethemoney5 | $250.00 | $250.00 | 7/31/2009 4:04:58 PM |
| MidnightBank | $25.00 | $25.00 | 7/19/2009 10:02:47 AM |
| JLPicard | $61.02 | $61.02 | 7/18/2009 11:08:53 PM |
| cassidyauction | $25.00 | $25.00 | 7/19/2009 6:48:57 PM |
| SafeSaxa | $150.00 | $150.00 | 7/20/2009 2:49:55 PM |
| bondhedger | $25.00 | $25.00 | 7/21/2009 8:13:39 AM |
| Cherrypicker | $42.65 | $42.65 | 7/28/2009 10:01:40 AM |
| helpful-dough | $50.00 | $50.00 | 7/28/2009 11:54:49 AM |
| skorpious | $50.00 | $50.00 | 7/28/2009 8:03:04 PM |
| bobd32 | $25.00 | $25.00 | 7/29/2009 11:23:41 AM |
| mathgod | $25.00 | $25.00 | 7/30/2009 7:55:17 AM |
| kinetic-truth | $25.00 | $25.00 | 7/30/2009 9:31:38 AM |
| mrxtravis | $50.00 | $50.00 | 7/30/2009 2:03:59 PM |
| oldrebel | $25.00 | $25.00 | 7/30/2009 2:32:09 PM |
| aldeed | $66.82 | $66.82 | 7/30/2009 6:12:26 PM |
| scoobiedoo | $50.00 | $50.00 | 7/30/2009 6:27:22 PM |
| 1traveler | $50.00 | $50.00 | 7/30/2009 8:32:37 PM |
| SanJoser | $100.00 | $100.00 | 7/30/2009 5:00:11 PM |
| Kerensky | $50.00 | $50.00 | 7/30/2009 10:11:33 PM |
| coolnatkat | $25.00 | $25.00 | 7/31/2009 3:10:56 AM |
| G-Love | $25.00 | $25.00 | 7/31/2009 5:05:04 AM |
| calcloud | $50.00 | $50.00 | 7/31/2009 7:18:01 AM |
| mortyscastle | $25.00 | $25.00 | 7/31/2009 9:13:21 AM |
| Fletch70 | $113.00 | $113.00 | 7/31/2009 10:45:51 AM |
| stu6703 | $50.00 | $50.00 | 7/31/2009 10:21:56 AM |
| ulf187 | $39.30 | $39.30 | 7/31/2009 10:38:07 AM |
| mlaner92 | $40.00 | $40.00 | 7/31/2009 10:32:43 AM |
| thenewkaisersoze | $25.00 | $25.00 | 7/31/2009 10:50:45 AM |
| tspyz | $100.00 | $100.00 | 7/31/2009 11:04:40 AM |
| JerryB96 | $25.00 | $25.00 | 7/31/2009 12:21:35 PM |
| quad | $100.00 | $100.00 | 7/31/2009 12:30:54 PM |
| maga | $100.00 | $100.00 | 7/31/2009 1:15:53 PM |
| GO4NY23 | $50.00 | $50.00 | 7/31/2009 1:21:22 PM |
| heymoe | $25.00 | $25.00 | 7/31/2009 2:11:06 PM |
| jhsrenne | $79.55 | $79.55 | 7/31/2009 2:15:46 PM |
| RJTintheBK | $50.00 | $50.00 | 7/31/2009 2:34:58 PM |
| JCPlending | $25.00 | $25.00 | 7/31/2009 2:22:38 PM |
| CoolBreezeWarlord | $50.00 | $50.00 | 7/31/2009 2:42:29 PM |
| rakey | $25.00 | $25.00 | 7/31/2009 3:16:04 PM |
| 99Lender | $25.00 | $25.00 | 7/31/2009 4:05:10 PM |
| 74 bids
|
Borrower Payment Dependent Notes Series
416697
This series of Notes was issued and sold upon the funding of the borrower loan #38128, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-15-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Jul-29-2009 |
|
|
Starting lender yield:
| 9.51% |
Starting borrower rate/APR:
| 10.51% / 12.62% |
Starting monthly payment:
| $325.07 |
|
Final lender yield:
| 7.50% |
Final borrower rate/APR:
| 8.50% / 10.59% |
Final monthly payment:
| $315.68 |
| |
|
Auction yield range:
| 3.23% - 9.51% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.00% | | |
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:
| May-1996 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| Wed2Deb |
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
Trying to pay for adoption costs
Purpose of loan:
This loan will be used to pay for the rest of the adoption costs that my wife and I are facing. We've done pretty good in paying $4400 out of pocket, but there's another $10k due that will need to be paid when we get placed and that could happen very soon, maybe in a matter of weeks.
My financial situation:
I am a good candidate for this loan because we've always been good at paying our bills, but medical and dental expenses totalling over $20k the past two years have wiped out savings and 401ks. We don't use credit cards after paying them all off over a year ago so we don't buy something we can't afford. We have been at our companies for nearly 3 years each, own both of our cars and have a great mortgage so we're pretty stable. It's just difficult to come up with this large sum of money. One big benefit though is that we'll get 11,000 back in a federal adoption tax credit over the next two years, which will make it easy to pay off quickly.
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:
How long have you owned your home and do you have positive equity? - Pu239
A:
I already answered this but don't see it posted. Anyway, we have lived here for 5 years and have a 30 year fixed loan with a good interest rate. Thanks to the housing market plummet, we're about dead even loan-to-value now, though we had 40-50k a couple years ago.
(Jul-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| totoro | $25.00 | $25.00 | 7/15/2009 2:13:22 PM |
| salala | $25.00 | $25.00 | 7/15/2009 2:13:58 PM |
| truth-companion | $25.00 | $25.00 | 7/15/2009 2:14:26 PM |
| YellowJacket | $25.00 | $25.00 | 7/15/2009 2:14:51 PM |
| PaulW | $25.00 | $25.00 | 7/15/2009 2:17:21 PM |
| kegs | $250.00 | $250.00 | 7/15/2009 2:13:59 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/15/2009 2:14:09 PM |
| MT1130 | $25.00 | $25.00 | 7/15/2009 2:14:45 PM |
| rjleves | $25.00 | $25.00 | 7/15/2009 2:13:40 PM |
| pakrbkr | $25.00 | $25.00 | 7/15/2009 2:13:55 PM |
| OCLend | $25.00 | $25.00 | 7/15/2009 3:42:21 PM |
| peb44 | $25.00 | $25.00 | 7/15/2009 2:14:47 PM |
| kenji4861 | $50.00 | $50.00 | 7/15/2009 2:15:15 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/15/2009 2:15:34 PM |
| mrzz | $25.00 | $25.00 | 7/15/2009 2:47:55 PM |
| anton | $25.00 | $25.00 | 7/15/2009 5:38:29 PM |
| Barky52 | $25.00 | $25.00 | 7/15/2009 8:18:14 PM |
| vegibenz | $25.00 | $25.00 | 7/16/2009 10:04:43 AM |
| restech | $25.00 | $25.00 | 7/16/2009 11:47:01 PM |
| kaykarun | $50.00 | $50.00 | 7/17/2009 12:47:34 AM |
| Sumach | $25.00 | $25.00 | 7/17/2009 8:37:54 AM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 3:47:50 PM |
| OLYVRC | $25.00 | $25.00 | 7/17/2009 9:02:23 PM |
| mjcjmm4407 | $25.00 | $25.00 | 7/17/2009 10:27:24 PM |
| giannyny | $25.00 | $25.00 | 7/19/2009 11:06:35 AM |
| JackinGreen | $50.00 | $50.00 | 7/19/2009 1:12:10 PM |
| andymax | $25.00 | $25.00 | 7/19/2009 5:57:09 PM |
| wjf60 | $50.00 | $50.00 | 7/19/2009 4:38:46 PM |
| jonesboyz | $25.00 | $25.00 | 7/19/2009 4:27:01 PM |
| grf1945 | $25.00 | $25.00 | 7/20/2009 5:51:56 AM |
| KBank | $25.00 | $25.00 | 7/20/2009 6:41:41 AM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:07:13 PM |
| AgTiPinisher | $25.00 | $25.00 | 7/19/2009 11:07:43 PM |
| Boxhead | $25.00 | $25.00 | 7/20/2009 9:27:33 AM |
| laststrawman | $25.00 | $25.00 | 7/20/2009 3:44:02 PM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 1:32:05 PM |
| MasterJin | $25.00 | $25.00 | 7/20/2009 2:32:52 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:41:58 PM |
| Hexnut | $50.00 | $50.00 | 7/20/2009 9:32:05 PM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:33 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:14 AM |
| skistud66 | $25.00 | $25.00 | 7/21/2009 10:41:37 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:48 AM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:47:43 AM |
| Zipline | $25.00 | $25.00 | 7/21/2009 3:23:38 PM |
| NJNY | $25.00 | $25.00 | 7/21/2009 2:52:31 PM |
| guaton | $25.00 | $25.00 | 7/21/2009 3:22:32 PM |
| StarE | $25.00 | $25.00 | 7/21/2009 3:23:28 PM |
| DeathScythe676 | $25.00 | $25.00 | 7/21/2009 3:23:35 PM |
| Wart126 | $25.00 | $25.00 | 7/21/2009 3:23:50 PM |
| TJ-Financial-Group | $55.00 | $55.00 | 7/21/2009 3:25:18 PM |
| amsterq | $25.00 | $25.00 | 7/22/2009 9:32:08 AM |
| Railbird | $25.00 | $25.00 | 7/22/2009 9:32:40 AM |
| DrStaff | $60.00 | $60.00 | 7/22/2009 10:26:40 AM |
| neenerman | $25.00 | $25.00 | 7/22/2009 10:47:06 AM |
| Okeey | $25.00 | $25.00 | 7/22/2009 9:06:42 AM |
| bigrpf5 | $25.00 | $25.00 | 7/22/2009 11:31:39 AM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:16 PM |
| HibbyD | $28.02 | $28.02 | 7/23/2009 9:33:36 AM |
| charb57 | $25.00 | $25.00 | 7/23/2009 9:34:09 AM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:13 AM |
| diverse2 | $50.00 | $50.00 | 7/23/2009 10:02:16 AM |
| TheBestDad | $25.00 | $25.00 | 7/23/2009 12:06:52 PM |
| ossobuco | $25.00 | $25.00 | 7/23/2009 11:18:34 AM |
| gotyourgear | $25.00 | $25.00 | 7/23/2009 12:06:40 PM |
| BayShell | $40.00 | $40.00 | 7/23/2009 12:51:46 PM |
| bugleusmc | $30.00 | $30.00 | 7/23/2009 3:46:36 PM |
| Orringo | $25.00 | $25.00 | 7/23/2009 6:28:05 PM |
| fdsguy | $25.00 | $25.00 | 7/23/2009 7:46:45 PM |
| johnsails | $31.60 | $31.60 | 7/23/2009 5:22:25 PM |
| b-rent | $25.00 | $25.00 | 7/23/2009 6:06:44 PM |
| AnastasiaBeaverhausen | $25.00 | $25.00 | 7/23/2009 6:41:54 PM |
| SkonkeyGongo | $25.00 | $25.00 | 7/23/2009 7:46:43 PM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:11:47 AM |
| thesupplier | $25.00 | $25.00 | 7/24/2009 8:01:35 AM |
| latestone | $25.00 | $25.00 | 7/24/2009 11:01:42 AM |
| papaman | $25.00 | $25.00 | 7/24/2009 10:11:52 AM |
| moneyman06 | $25.00 | $25.00 | 7/24/2009 10:42:10 AM |
| Rminebur | $25.00 | $25.00 | 7/24/2009 11:04:18 AM |
| naniamo | $25.00 | $25.00 | 7/24/2009 11:16:36 AM |
| nicklds | $50.00 | $50.00 | 7/24/2009 2:31:43 PM |
| DavronFunding | $25.00 | $25.00 | 7/24/2009 3:11:39 PM |
| mtpscuba | $25.00 | $25.00 | 7/24/2009 3:56:54 PM |
| OldestBrother | $50.00 | $50.00 | 7/24/2009 5:04:52 PM |
| secret-santa | $25.00 | $25.00 | 7/24/2009 5:06:08 PM |
| WorldlyWorker | $25.00 | $25.00 | 7/24/2009 5:07:10 PM |
| dashawn | $25.00 | $25.00 | 7/24/2009 5:04:28 PM |
| fyrwlker12 | $25.00 | $25.00 | 7/24/2009 5:05:22 PM |
| sajitp | $50.00 | $50.00 | 7/24/2009 5:05:41 PM |
| Xeo | $25.00 | $25.00 | 7/24/2009 5:04:34 PM |
| fotep-financial | $45.00 | $45.00 | 7/24/2009 7:51:42 PM |
| loantigger | $25.00 | $25.00 | 7/24/2009 6:06:50 PM |
| Imageloan | $25.00 | $25.00 | 7/24/2009 10:02:03 PM |
| jldallover | $25.00 | $25.00 | 7/24/2009 9:17:04 PM |
| reueljw | $25.00 | $25.00 | 7/25/2009 8:26:39 AM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:18 PM |
| ADenny | $25.00 | $25.00 | 7/25/2009 2:06:46 PM |
| SKG | $25.00 | $25.00 | 7/25/2009 8:06:58 PM |
| fortytwo | $125.00 | $125.00 | 7/25/2009 9:12:01 PM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:36:56 AM |
| market-assembler | $25.00 | $25.00 | 7/27/2009 11:41:45 AM |
| jpmusic | $25.00 | $25.00 | 7/27/2009 12:11:34 PM |
| Sitgarath | $25.00 | $25.00 | 7/27/2009 7:07:07 PM |
| whitebalcony | $25.00 | $25.00 | 7/27/2009 9:43:04 PM |
| PatRichi | $25.00 | $25.00 | 7/28/2009 6:01:36 AM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:21:48 AM |
| geekguy | $25.00 | $25.00 | 7/28/2009 7:36:36 AM |
| onegoodlender | $25.00 | $25.00 | 7/28/2009 7:12:32 AM |
| halfpintc | $25.00 | $25.00 | 7/28/2009 8:36:31 AM |
| sfd | $50.00 | $50.00 | 7/28/2009 8:58:57 AM |
| kubien | $25.00 | $25.00 | 7/28/2009 7:36:44 AM |
| flexible-value | $25.00 | $25.00 | 7/28/2009 9:33:01 AM |
| rulender | $25.00 | $25.00 | 7/28/2009 10:26:31 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:12 AM |
| labate | $25.00 | $25.00 | 7/28/2009 10:12:25 AM |
| FCI | $25.00 | $25.00 | 7/28/2009 3:06:31 PM |
| JJS180 | $25.00 | $25.00 | 7/28/2009 1:43:14 PM |
| paramjit | $50.00 | $50.00 | 7/28/2009 2:21:49 PM |
| seattleslug | $30.00 | $30.00 | 7/28/2009 4:47:36 PM |
| James_and_Tracy | $25.00 | $25.00 | 7/28/2009 5:16:58 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:21 PM |
| ChuckChedda | $25.00 | $25.00 | 7/28/2009 4:37:56 PM |
| Havana21 | $500.00 | $500.00 | 7/28/2009 5:18:46 PM |
| SimonHova | $31.84 | $31.84 | 7/28/2009 6:06:32 PM |
| Auditman | $50.00 | $30.98 | 7/28/2009 6:17:11 PM |
| star7705 | $25.00 | $25.00 | 7/28/2009 6:16:51 PM |
| amijo | $35.16 | $35.16 | 7/28/2009 5:37:28 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 7/28/2009 6:02:27 PM |
| word140 | $50.00 | $50.00 | 7/28/2009 8:03:21 PM |
| outofoffice | $51.78 | $51.78 | 7/29/2009 8:39:54 AM |
| Firescreek | $25.00 | $25.00 | 7/29/2009 9:32:20 AM |
| dsparrow | $25.00 | $25.00 | 7/29/2009 5:36:13 AM |
| BrnxGirl | $25.00 | $25.00 | 7/29/2009 5:42:08 AM |
| usd1027 | $50.00 | $50.00 | 7/29/2009 9:42:17 AM |
| TexasLender2007 | $25.00 | $25.00 | 7/29/2009 10:21:24 AM |
| ulf187 | $54.72 | $54.72 | 7/29/2009 11:42:47 AM |
| jn_tiger | $32.77 | $32.77 | 7/29/2009 12:00:23 PM |
| ChristopherHS | $25.00 | $25.00 | 7/29/2009 1:20:26 PM |
| acropiloterau2002 | $50.00 | $50.00 | 7/29/2009 12:32:47 PM |
| JerryB96 | $25.00 | $25.00 | 7/29/2009 1:48:16 PM |
| cutter21 | $100.00 | $100.00 | 7/29/2009 2:03:42 PM |
| MarkDown | $25.00 | $25.00 | 7/29/2009 1:36:13 PM |
| macotra4 | $58.68 | $58.68 | 7/29/2009 11:26:59 AM |
| cac1966 | $50.00 | $50.00 | 7/29/2009 12:09:17 PM |
| toocautious | $85.00 | $85.00 | 7/29/2009 1:31:55 PM |
| Binan | $25.00 | $25.00 | 7/15/2009 2:14:38 PM |
| thedoctor | $25.00 | $25.00 | 7/15/2009 2:15:09 PM |
| 888168 | $50.00 | $50.00 | 7/15/2009 2:15:30 PM |
| DukSerduk | $25.00 | $25.00 | 7/15/2009 2:13:32 PM |
| bradwill | $50.00 | $50.00 | 7/15/2009 2:14:11 PM |
| larrybird | $250.00 | $250.00 | 7/15/2009 2:14:42 PM |
| virtualbank | $25.00 | $25.00 | 7/15/2009 2:13:31 PM |
| Sigonio | $25.00 | $25.00 | 7/15/2009 2:13:37 PM |
| tallcoolone | $25.00 | $25.00 | 7/15/2009 2:14:10 PM |
| dumbass | $25.00 | $25.00 | 7/15/2009 2:15:12 PM |
| Artist_Blue | $25.00 | $25.00 | 7/15/2009 2:15:19 PM |
| woodenshoes | $74.50 | $74.50 | 7/15/2009 5:37:45 PM |
| TennSquire | $25.00 | $25.00 | 7/15/2009 4:28:06 PM |
| abidos | $25.00 | $25.00 | 7/16/2009 1:12:59 PM |
| atlviet | $25.00 | $25.00 | 7/16/2009 1:33:49 PM |
| outwish | $25.00 | $25.00 | 7/16/2009 3:52:53 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/16/2009 6:43:05 PM |
| Sixmil | $25.00 | $25.00 | 7/17/2009 12:16:46 AM |
| oodkim84oo | $25.00 | $25.00 | 7/17/2009 2:56:50 AM |
| vinayski | $25.00 | $25.00 | 7/17/2009 7:51:56 AM |
| jfd287 | $25.00 | $25.00 | 7/17/2009 8:42:03 AM |
| tylerfd | $25.00 | $25.00 | 7/17/2009 8:02:01 AM |
| aislinnn | $25.00 | $25.00 | 7/17/2009 7:48:04 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/18/2009 6:22:20 AM |
| RandomMonkey | $25.00 | $25.00 | 7/18/2009 7:32:03 AM |
| L-vex | $25.00 | $25.00 | 7/18/2009 11:47:04 AM |
| Jynxie | $44.06 | $44.06 | 7/18/2009 3:56:37 PM |
| krishopper | $25.00 | $25.00 | 7/19/2009 9:26:52 AM |
| financelover | $25.00 | $25.00 | 7/19/2009 11:16:53 AM |
| BlindProphet | $25.00 | $25.00 | 7/19/2009 3:58:19 PM |
| yenom | $25.00 | $25.00 | 7/19/2009 2:56:49 PM |
| LordKinbote | $25.00 | $25.00 | 7/19/2009 3:11:58 PM |
| timmydaddy | $25.00 | $25.00 | 7/20/2009 9:42:43 AM |
| damage | $25.00 | $25.00 | 7/20/2009 9:32:42 AM |
| wormdc | $25.00 | $25.00 | 7/20/2009 12:17:21 PM |
| interstellar | $100.00 | $100.00 | 7/20/2009 12:23:03 PM |
| mlbox3k | $25.00 | $25.00 | 7/20/2009 3:31:54 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:06:49 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:27 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:11 AM |
| ayerobbie | $25.00 | $25.00 | 7/21/2009 3:21:53 PM |
| K2Outlaws | $25.00 | $25.00 | 7/21/2009 3:22:16 PM |
| GElender | $25.00 | $25.00 | 7/21/2009 11:41:34 AM |
| greenwell | $50.00 | $50.00 | 7/21/2009 1:53:00 PM |
| jbadawg1017 | $25.00 | $25.00 | 7/21/2009 3:23:26 PM |
| mnmcarve | $25.00 | $25.00 | 7/21/2009 3:23:56 PM |
| wwwUniversal | $25.00 | $25.00 | 7/21/2009 3:46:44 PM |
| FlyFlyBuggie | $25.00 | $25.00 | 7/21/2009 7:16:31 PM |
| springpanda | $50.00 | $50.00 | 7/21/2009 4:17:15 PM |
| zento | $25.00 | $25.00 | 7/22/2009 8:17:20 AM |
| the-swiss-vault | $25.00 | $25.00 | 7/22/2009 9:06:37 AM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:42 AM |
| Brainworm | $25.00 | $25.00 | 7/22/2009 10:02:06 AM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:56:46 AM |
| klin | $25.00 | $25.00 | 7/22/2009 11:56:35 AM |
| John_14_6 | $25.00 | $25.00 | 7/22/2009 9:32:24 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:41:47 AM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:16:52 AM |
| bowdish1 | $38.54 | $38.54 | 7/22/2009 12:06:33 PM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:01:50 PM |
| YogaDude34 | $125.00 | $125.00 | 7/22/2009 3:12:04 PM |
| soccerchamp213 | $25.00 | $25.00 | 7/22/2009 6:22:24 PM |
| sloak | $25.00 | $25.00 | 7/23/2009 8:46:42 AM |
| danielamity | $25.00 | $25.00 | 7/23/2009 9:29:15 AM |
| leeball | $77.29 | $77.29 | 7/23/2009 7:52:03 AM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 9:47:05 AM |
| Jassi | $50.00 | $50.00 | 7/23/2009 9:32:40 AM |
| cny_loans | $25.00 | $25.00 | 7/23/2009 11:31:39 PM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:19 AM |
| hope-amigo | $25.00 | $25.00 | 7/24/2009 9:31:54 AM |
| mizount | $25.00 | $25.00 | 7/24/2009 10:36:41 AM |
| majormoves1 | $25.00 | $25.00 | 7/24/2009 12:07:09 PM |
| trucklawyer | $25.00 | $25.00 | 7/24/2009 12:51:57 PM |
| kanewna | $50.00 | $50.00 | 7/24/2009 5:03:53 PM |
| MplsLawyers | $25.00 | $25.00 | 7/24/2009 5:06:29 PM |
| tsui517 | $25.00 | $25.00 | 7/24/2009 5:06:42 PM |
| markwms | $25.00 | $25.00 | 7/24/2009 5:03:50 PM |
| ohnezweck | $25.00 | $25.00 | 7/24/2009 5:04:21 PM |
| Ireland64 | $25.00 | $25.00 | 7/24/2009 5:05:04 PM |
| incbx | $50.00 | $50.00 | 7/24/2009 8:11:47 PM |
| ojibwa | $25.00 | $25.00 | 7/24/2009 6:07:05 PM |
| leemic | $25.00 | $25.00 | 7/24/2009 10:26:45 PM |
| Phillip4ever | $25.00 | $25.00 | 7/25/2009 11:11:34 AM |
| BenBernanke | $25.00 | $25.00 | 7/26/2009 3:16:46 AM |
| xyzlmno | $25.00 | $25.00 | 7/26/2009 9:31:55 AM |
| Bladewil | $25.00 | $25.00 | 7/26/2009 6:36:38 PM |
| lucky6 | $25.00 | $25.00 | 7/26/2009 8:41:38 PM |
| jimbo29blue | $25.00 | $25.00 | 7/27/2009 5:01:50 AM |
| serpentine | $50.00 | $50.00 | 7/27/2009 5:46:47 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:51:37 AM |
| brstern2 | $25.00 | $25.00 | 7/27/2009 9:32:19 AM |
| JonnyCash | $25.00 | $25.00 | 7/27/2009 10:03:17 AM |
| kayakg | $25.00 | $25.00 | 7/27/2009 12:01:39 PM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:01:58 PM |
| member874 | $25.00 | $25.00 | 7/27/2009 12:17:44 PM |
| onlyinchicago | $25.00 | $25.00 | 7/27/2009 3:22:18 PM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 2:11:36 PM |
| pinaypie1 | $25.00 | $25.00 | 7/27/2009 5:11:37 PM |
| able2help | $25.00 | $25.00 | 7/27/2009 7:31:58 PM |
| dougm | $29.95 | $29.95 | 7/27/2009 11:36:55 PM |
| davidy | $25.00 | $25.00 | 7/28/2009 6:01:41 AM |
| RusRobo | $25.00 | $25.00 | 7/27/2009 9:12:08 PM |
| ChicoBob | $50.00 | $50.00 | 7/28/2009 6:21:32 AM |
| Norcal | $25.00 | $25.00 | 7/28/2009 8:21:32 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:11:34 AM |
| authentic-deal8 | $25.00 | $25.00 | 7/28/2009 9:31:58 AM |
| durable-trade | $25.00 | $25.00 | 7/28/2009 9:32:29 AM |
| djs81 | $25.00 | $25.00 | 7/28/2009 10:21:56 AM |
| wrchism | $50.00 | $50.00 | 7/28/2009 11:17:22 AM |
| psanganee | $25.00 | $25.00 | 7/28/2009 10:47:05 AM |
| brit11 | $25.00 | $25.00 | 7/28/2009 11:17:27 AM |
| wyogirllender | $25.00 | $25.00 | 7/28/2009 11:49:23 AM |
| Thelonius10 | $25.00 | $25.00 | 7/28/2009 3:46:30 PM |
| KeepOnRunning | $50.00 | $50.00 | 7/28/2009 3:21:41 PM |
| Sykes66 | $25.00 | $25.00 | 7/28/2009 5:37:17 PM |
| knark | $25.00 | $25.00 | 7/28/2009 7:35:57 PM |
| Zoramite | $25.00 | $25.00 | 7/28/2009 5:51:32 PM |
| tomxnsn | $25.00 | $25.00 | 7/28/2009 6:17:05 PM |
| sab | $25.00 | $25.00 | 7/28/2009 9:04:17 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/29/2009 5:50:36 AM |
| TenTalentSolutions | $25.00 | $25.00 | 7/29/2009 7:27:30 AM |
| amlu1988 | $50.00 | $50.00 | 7/29/2009 8:14:14 AM |
| vault542 | $124.00 | $124.00 | 7/29/2009 5:54:10 AM |
| Realjo | $50.00 | $50.00 | 7/29/2009 9:52:53 AM |
| jtc26 | $100.00 | $100.00 | 7/29/2009 7:54:25 AM |
| thefisherman | $25.00 | $25.00 | 7/29/2009 11:28:46 AM |
| billybragg | $25.00 | $25.00 | 7/29/2009 11:49:22 AM |
| taylodo | $33.67 | $33.67 | 7/29/2009 11:52:46 AM |
| FundMaker | $35.00 | $35.00 | 7/29/2009 9:38:54 AM |
| money-expert | $50.00 | $50.00 | 7/29/2009 12:51:21 PM |
| chicago_fire | $25.00 | $25.00 | 7/29/2009 2:10:57 PM |
| Bill88 | $25.00 | $25.00 | 7/29/2009 1:04:17 PM |
| bouvierchamp | $27.44 | $27.44 | 7/29/2009 10:51:54 AM |
| Ray3486 | $25.00 | $25.00 | 7/29/2009 11:43:39 AM |
| malypom | $100.00 | $100.00 | 7/29/2009 1:14:10 PM |
| jpjazzman | $25.00 | $25.00 | 7/29/2009 1:27:09 PM |
| SanJoser | $100.00 | $100.00 | 7/29/2009 2:12:20 PM |
| 282 bids
|
Borrower Payment Dependent Notes Series
416967
This series of Notes was issued and sold upon the funding of the borrower loan #38126, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,750.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Jul-31-2009 |
|
|
Starting lender yield:
| 8.42% |
Starting borrower rate/APR:
| 9.42% / 11.52% |
Starting monthly payment:
| $215.97 |
|
Final lender yield:
| 8.40% |
Final borrower rate/APR:
| 9.40% / 11.50% |
Final monthly payment:
| $215.91 |
| |
|
Auction yield range:
| 4.23% - 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:
| Dec-1993 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 19
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 33 | Length of status: | 12y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $29,590 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 48% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| CFOGO |
Borrower's state:
| Georgia |
Borrower's group:
| Hidden Gems |
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:
| 24 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $17,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Jan-2008)
720-740
(Oct-2006)
|
|
Principal balance:
| $6,754.59 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
REFI EXISTING LOAN
Purpose of loan:
This loan will be used to refi an existing loan to lower my payment
My financial situation:
I am a good candidate for this loan because I have a perfect payment history
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) |
|
| bigdogsafety1 | $50.00 | $50.00 | 7/17/2009 4:08:45 PM |
| kegs | $250.00 | $250.00 | 7/17/2009 4:10:59 PM |
| totoro | $25.00 | $25.00 | 7/17/2009 4:09:28 PM |
| tallcoolone | $25.00 | $25.00 | 7/17/2009 4:11:26 PM |
| virtualbank | $25.00 | $25.00 | 7/17/2009 4:09:39 PM |
| DukSerduk | $25.00 | $25.00 | 7/17/2009 4:09:47 PM |
| salala | $25.00 | $25.00 | 7/17/2009 4:10:48 PM |
| peb44 | $25.00 | $25.00 | 7/17/2009 4:12:35 PM |
| larrybird | $250.00 | $250.00 | 7/17/2009 4:12:13 PM |
| Artist_Blue | $25.00 | $25.00 | 7/17/2009 4:13:09 PM |
| 888168 | $50.00 | $50.00 | 7/17/2009 4:13:42 PM |
| mrzz | $25.00 | $25.00 | 7/17/2009 4:13:55 PM |
| Sixmil | $25.00 | $25.00 | 7/17/2009 4:15:48 PM |
| tylerfd | $25.00 | $25.00 | 7/17/2009 4:16:20 PM |
| anton | $25.00 | $25.00 | 7/17/2009 4:14:19 PM |
| kaykarun | $50.00 | $50.00 | 7/17/2009 4:15:58 PM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 4:17:34 PM |
| jfd287 | $25.00 | $25.00 | 7/18/2009 1:16:39 AM |
| buckyhead2000 | $25.00 | $25.00 | 7/18/2009 7:42:04 PM |
| yenom | $25.00 | $25.00 | 7/19/2009 2:56:57 PM |
| Kash2010lu | $25.00 | $25.00 | 7/19/2009 4:10:38 PM |
| dumbass | $25.00 | $25.00 | 7/20/2009 12:56:39 AM |
| mojii77 | $40.00 | $40.00 | 7/20/2009 11:11:17 AM |
| PaulW | $25.00 | $25.00 | 7/20/2009 1:56:43 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:06:56 AM |
| pakrbkr | $25.00 | $25.00 | 7/20/2009 10:21:51 PM |
| Perolus | $50.00 | $50.00 | 7/21/2009 9:43:54 AM |
| killdare | $25.00 | $25.00 | 7/21/2009 7:58:59 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:24 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:55 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:33 AM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:53:05 AM |
| LordKinbote | $25.00 | $25.00 | 7/21/2009 3:24:11 PM |
| boodo | $74.38 | $74.38 | 7/21/2009 12:51:41 PM |
| greenwell | $50.00 | $50.00 | 7/21/2009 1:53:07 PM |
| wormdc | $25.00 | $25.00 | 7/21/2009 3:24:14 PM |
| BlindProphet | $25.00 | $25.00 | 7/21/2009 3:24:10 PM |
| wwwUniversal | $25.00 | $25.00 | 7/21/2009 3:46:53 PM |
| Hexnut | $50.00 | $50.00 | 7/22/2009 5:31:35 AM |
| Okeey | $25.00 | $25.00 | 7/22/2009 9:06:48 AM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:16:59 AM |
| soccerchamp213 | $25.00 | $25.00 | 7/22/2009 6:22:30 PM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:21 PM |
| MT1130 | $25.00 | $25.00 | 7/23/2009 12:21:38 AM |
| sloak | $25.00 | $25.00 | 7/23/2009 8:46:48 AM |
| TheBestDad | $25.00 | $25.00 | 7/23/2009 12:06:59 PM |
| hope-amigo | $25.00 | $25.00 | 7/24/2009 9:32:02 AM |
| Simply2fly | $25.00 | $25.00 | 7/24/2009 10:10:13 AM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:24 AM |
| Jynxie | $50.00 | $50.00 | 7/24/2009 12:31:38 PM |
| TennSquire | $25.00 | $25.00 | 7/24/2009 5:04:56 PM |
| KBank | $25.00 | $25.00 | 7/24/2009 5:07:30 PM |
| Wart126 | $25.00 | $25.00 | 7/24/2009 5:07:05 PM |
| wjf60 | $50.00 | $50.00 | 7/24/2009 5:05:12 PM |
| TJ-Financial-Group | $55.00 | $55.00 | 7/24/2009 8:32:14 PM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:23 PM |
| lucky6 | $25.00 | $25.00 | 7/26/2009 8:41:44 PM |
| ADenny | $25.00 | $25.00 | 7/27/2009 2:46:55 AM |
| cny_loans | $25.00 | $25.00 | 7/27/2009 9:32:30 AM |
| timmydaddy | $25.00 | $25.00 | 7/27/2009 7:27:24 AM |
| StarFundingSource | $25.00 | $25.00 | 7/28/2009 8:25:48 PM |
| GABC-1 | $60.00 | $60.00 | 7/29/2009 9:57:06 AM |
| Firescreek | $25.00 | $25.00 | 7/29/2009 9:35:28 AM |
| suzanny | $25.00 | $25.00 | 7/29/2009 6:20:28 PM |
| 73Darin | $50.00 | $50.00 | 7/30/2009 6:51:51 AM |
| maga | $50.00 | $50.00 | 7/30/2009 11:57:24 AM |
| Sturgee | $25.00 | $25.00 | 7/30/2009 8:23:24 PM |
| thecid | $100.00 | $100.00 | 7/30/2009 8:30:57 PM |
| Robert99 | $25.00 | $25.00 | 7/30/2009 7:41:14 PM |
| crw1950 | $50.00 | $50.00 | 7/30/2009 7:45:56 PM |
| availableloan | $25.00 | $25.00 | 7/30/2009 8:05:49 PM |
| scoobiedoo | $50.00 | $50.00 | 7/30/2009 6:24:27 PM |
| OoM | $25.00 | $25.00 | 7/30/2009 9:52:05 PM |
| Schlawinzer | $50.00 | $50.00 | 7/31/2009 4:54:10 AM |
| JCMC | $25.00 | $25.00 | 7/31/2009 6:52:38 AM |
| dblakels | $25.00 | $25.00 | 7/31/2009 7:42:16 AM |
| greenventures | $25.00 | $25.00 | 7/31/2009 9:20:09 AM |
| Brown98 | $25.00 | $25.00 | 7/31/2009 9:55:27 AM |
| coolcash1 | $50.00 | $50.00 | 7/31/2009 10:30:54 AM |
| ALANGREANSPAN | $50.00 | $50.00 | 7/31/2009 10:23:07 AM |
| dbaoracle | $100.00 | $100.00 | 7/31/2009 10:27:27 AM |
| the-silver-blaster | $100.00 | $100.00 | 7/31/2009 11:52:51 AM |
| klemer | $25.00 | $25.00 | 7/31/2009 12:28:30 PM |
| piano55 | $75.00 | $75.00 | 7/31/2009 12:52:27 PM |
| PlusUltra | $186.90 | $186.90 | 7/31/2009 1:41:27 PM |
| YesMoney | $25.00 | $25.00 | 7/31/2009 2:05:46 PM |
| PAV | $25.00 | $25.00 | 7/31/2009 2:33:16 PM |
| COCHINOBOY | $50.00 | $50.00 | 7/31/2009 2:16:54 PM |
| Syzygy | $25.00 | $25.00 | 7/31/2009 2:47:45 PM |
| rjleves | $25.00 | $25.00 | 7/17/2009 4:10:10 PM |
| truth-companion | $25.00 | $25.00 | 7/17/2009 4:11:52 PM |
| Sigonio | $25.00 | $25.00 | 7/17/2009 4:09:57 PM |
| YellowJacket | $25.00 | $25.00 | 7/17/2009 4:12:43 PM |
| thedoctor | $25.00 | $25.00 | 7/17/2009 4:12:49 PM |
| kenji4861 | $50.00 | $50.00 | 7/17/2009 4:13:00 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/17/2009 4:11:16 PM |
| Binan | $25.00 | $25.00 | 7/17/2009 4:12:05 PM |
| Sumach | $25.00 | $25.00 | 7/17/2009 4:16:29 PM |
| OLYVRC | $25.00 | $25.00 | 7/17/2009 9:02:32 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/18/2009 6:56:44 PM |
| krishopper | $25.00 | $25.00 | 7/19/2009 9:27:02 AM |
| jonesboyz | $25.00 | $25.00 | 7/19/2009 4:27:15 PM |
| financelover | $25.00 | $25.00 | 7/19/2009 4:41:46 PM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:07:24 PM |
| Boxhead | $25.00 | $25.00 | 7/20/2009 9:28:18 AM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 1:32:20 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:42:21 PM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:24 AM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:39 AM |
| CommerciaLender | $25.00 | $25.00 | 7/21/2009 1:10:17 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/21/2009 3:24:32 PM |
| mjcjmm4407 | $25.00 | $25.00 | 7/21/2009 3:26:50 PM |
| giannyny | $25.00 | $25.00 | 7/21/2009 3:25:58 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:49 AM |
| bradwill | $50.00 | $50.00 | 7/21/2009 11:36:43 PM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:56:53 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:41:58 AM |
| Railbird | $25.00 | $25.00 | 7/22/2009 9:32:52 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:01:56 PM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:22 AM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:11:53 AM |
| latestone | $25.00 | $25.00 | 7/24/2009 11:01:47 AM |
| mizount | $25.00 | $25.00 | 7/24/2009 10:42:16 AM |
| L-vex | $25.00 | $25.00 | 7/24/2009 5:04:07 PM |
| abidos | $25.00 | $25.00 | 7/24/2009 5:04:48 PM |
| RandomMonkey | $25.00 | $25.00 | 7/24/2009 5:07:07 PM |
| woodenshoes | $100.00 | $100.00 | 7/24/2009 5:04:03 PM |
| grf1945 | $25.00 | $25.00 | 7/24/2009 5:08:36 PM |
| jldallover | $25.00 | $25.00 | 7/24/2009 9:17:09 PM |
| incbx | $50.00 | $50.00 | 7/24/2009 8:11:52 PM |
| Brainworm | $25.00 | $25.00 | 7/25/2009 1:38:38 AM |
| neenerman | $25.00 | $25.00 | 7/25/2009 11:01:45 AM |
| fortytwo | $125.00 | $125.00 | 7/25/2009 9:12:07 PM |
| aislinnn | $25.00 | $25.00 | 7/25/2009 11:12:26 PM |
| xyzlmno | $25.00 | $25.00 | 7/26/2009 9:31:57 AM |
| jimbo29blue | $25.00 | $25.00 | 7/27/2009 5:01:56 AM |
| laststrawman | $25.00 | $25.00 | 7/26/2009 9:41:39 PM |
| serpentine | $50.00 | $50.00 | 7/27/2009 5:46:53 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:51:46 AM |
| atlviet | $25.00 | $19.99 | 7/27/2009 10:31:56 AM |
| swti37 | $50.00 | $50.00 | 7/28/2009 10:28:24 PM |
| boodo | $249.03 | $249.03 | 7/29/2009 9:42:44 AM |
| LenderMatt | $25.00 | $25.00 | 7/29/2009 2:53:10 PM |
| kazdag | $50.00 | $50.00 | 7/29/2009 12:01:48 PM |
| emunah6 | $25.00 | $25.00 | 7/29/2009 2:56:06 PM |
| mathgod | $25.00 | $25.00 | 7/29/2009 3:47:34 PM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 8:21:05 AM |
| goodcents | $25.00 | $25.00 | 7/29/2009 8:14:40 PM |
| money-expert | $25.00 | $25.00 | 7/30/2009 6:58:09 AM |
| kbmarin | $30.00 | $30.00 | 7/29/2009 9:26:49 PM |
| CornerKetch | $25.00 | $25.00 | 7/30/2009 9:32:33 AM |
| CorporateRaider | $25.00 | $25.00 | 7/30/2009 9:30:18 AM |
| thecid | $100.00 | $100.00 | 7/30/2009 8:31:21 PM |
| CaliforniaSun | $50.00 | $50.00 | 7/31/2009 12:28:08 AM |
| narblark | $100.00 | $100.00 | 7/31/2009 4:44:21 AM |
| scloans | $36.87 | $36.87 | 7/31/2009 3:04:35 AM |
| oldman68 | $25.00 | $25.00 | 7/31/2009 6:18:45 AM |
| myduck | $75.00 | $75.00 | 7/31/2009 7:20:26 AM |
| r1w | $75.00 | $75.00 | 7/31/2009 7:49:42 AM |
| dmk2006 | $25.00 | $25.00 | 7/31/2009 8:29:06 AM |
| scrabbler | $25.00 | $25.00 | 7/31/2009 8:45:44 AM |
| kushbomb | $47.83 | $47.83 | 7/31/2009 12:00:57 PM |
| AtmaSingshu | $25.00 | $25.00 | 7/31/2009 12:01:37 PM |
| JerryB96 | $25.00 | $25.00 | 7/31/2009 12:22:25 PM |
| note-pursuit | $25.00 | $25.00 | 7/31/2009 12:28:57 PM |
| GreenTeaDrinkingGuy | $25.00 | $25.00 | 7/31/2009 1:59:24 PM |
| ScottFinance | $25.00 | $25.00 | 7/31/2009 2:36:12 PM |
| Makemony | $50.00 | $50.00 | 7/31/2009 2:58:10 PM |
| khamen | $25.00 | $25.00 | 7/31/2009 3:29:15 PM |
| paceme1 | $25.00 | $25.00 | 7/31/2009 4:01:37 PM |
| gotbyu | $25.00 | $25.00 | 7/31/2009 4:01:21 PM |
| friendinmoney | $50.00 | $50.00 | 7/31/2009 4:07:08 PM |
| 172 bids
|
Borrower Payment Dependent Notes Series
417055
This series of Notes was issued and sold upon the funding of the borrower loan #38129, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction start date:
| Jul-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 24.01% |
Starting borrower rate/APR:
| 25.01% / 27.32% |
Starting monthly payment:
| $139.18 |
|
Final lender yield:
| 23.15% |
Final borrower rate/APR:
| 24.15% / 26.44% |
Final monthly payment:
| $137.59 |
| |
|
Auction yield range:
| 11.23% - 24.01% |
Estimated loss impact:
| 10.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.58% | | |
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:
| Apr-1979 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 21
/
21 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 51 | Length of status: | 13y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $183,749 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| Thanksforhelpingme |
Borrower's state:
| Colorado |
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:
| 11 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 660-680
(Aug-2008)
660-680
(Jul-2008)
600-620
(Jun-2008)
640-660
(May-2008)
|
|
Principal balance:
| $1,894.59 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Debt Consolidation Loan
Purpose of loan:
Pay off all my higher interest credit card and loans. I'm currently at my max credit limit because my job moved me and I currenlty have two houses, I've tried to sell the second home; however, the market is slow and I'm currently renting it until I can sell. I'm trying to consolidate my bills into the refinance of my current house which will improve my credit rating and credit posture.
My financial situation:
I am a good candidate for this loan because I have NO late payments. I work for the government and have to keep a good credit rating because of my Top Secret clearance.
Monthly net income: $ 10,000.00
Thanks for helping 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) |
|
| SNH | $25.00 | $25.00 | 7/20/2009 5:28:45 PM |
| seisen | $50.00 | $50.00 | 7/20/2009 5:27:48 PM |
| NATIVEBORN | $25.00 | $25.00 | 7/20/2009 5:28:13 PM |
| mrzz | $25.00 | $25.00 | 7/20/2009 5:31:57 PM |
| MicroPod | $25.00 | $25.00 | 7/20/2009 5:32:36 PM |
| gilbow | $25.00 | $25.00 | 7/20/2009 5:35:56 PM |
| fareast_man | $25.00 | $25.00 | 7/21/2009 11:12:18 PM |
| YeoLenderSource | $25.00 | $25.00 | 7/22/2009 8:21:46 PM |
| Credit2Prosper | $25.00 | $25.00 | 7/24/2009 10:07:25 AM |
| mtp | $50.00 | $50.00 | 7/25/2009 4:27:27 PM |
| LAM26 | $25.00 | $25.00 | 7/26/2009 11:52:16 PM |
| TrustinOthers | $25.00 | $25.00 | 7/27/2009 6:17:39 PM |
| mydreamsagain | $25.00 | $25.00 | 7/27/2009 6:17:32 PM |
| puifais | $25.00 | $25.00 | 7/28/2009 8:48:28 AM |
| gizzywump | $25.00 | $25.00 | 7/28/2009 8:48:51 AM |
| unclejaef | $25.00 | $25.00 | 7/28/2009 8:48:29 AM |
| draggon77 | $25.00 | $25.00 | 7/28/2009 8:48:35 AM |
| slojudy | $25.00 | $25.00 | 7/28/2009 9:06:32 AM |
| kyxysyx | $50.00 | $50.00 | 7/28/2009 11:46:33 AM |
| Artist_Blue | $25.00 | $25.00 | 7/28/2009 11:35:33 AM |
| decisive-capital | $30.00 | $30.00 | 7/28/2009 1:42:56 PM |
| shopzone | $50.00 | $50.00 | 7/28/2009 2:47:39 PM |
| DER | $46.75 | $46.75 | 7/28/2009 3:57:18 PM |
| whatknows | $25.00 | $25.00 | 7/28/2009 5:39:56 PM |
| larrybird | $250.00 | $187.96 | 7/28/2009 5:40:37 PM |
| Credit2Prosper | $25.00 | $25.00 | 7/29/2009 9:51:38 AM |
| stonehillloans | $25.00 | $25.00 | 7/30/2009 4:11:13 AM |
| wbp | $25.00 | $25.00 | 7/30/2009 10:53:56 AM |
| genuine-money | $50.00 | $50.00 | 7/30/2009 1:30:10 PM |
| jtc26 | $100.00 | $100.00 | 7/30/2009 4:07:35 PM |
| showmethemoney5 | $50.00 | $50.00 | 7/31/2009 4:19:02 PM |
| foxworthy77 | $25.00 | $25.00 | 7/31/2009 5:18:24 PM |
| daddysgotya | $50.00 | $50.00 | 8/1/2009 6:36:42 AM |
| support | $74.18 | $74.18 | 8/2/2009 1:53:09 PM |
| sweety075 | $25.00 | $25.00 | 8/2/2009 5:51:07 PM |
| Bobusa | $25.00 | $25.00 | 8/3/2009 5:33:21 AM |
| Leshan | $50.00 | $50.00 | 8/3/2009 7:13:50 AM |
| Packers18 | $50.00 | $50.00 | 8/3/2009 10:38:22 AM |
| division177 | $25.00 | $25.00 | 8/3/2009 12:53:44 PM |
| himistu22 | $25.00 | $25.00 | 8/3/2009 3:49:09 PM |
| maga | $50.00 | $50.00 | 8/3/2009 3:12:16 PM |
| ColoradoLender82 | $25.00 | $25.00 | 8/3/2009 4:28:39 PM |
| sk8ndive | $25.00 | $25.00 | 7/20/2009 5:33:46 PM |
| lagnisiruk | $25.00 | $25.00 | 7/20/2009 5:36:27 PM |
| thedreamer | $25.00 | $25.00 | 7/20/2009 5:40:01 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 5:46:50 PM |
| zento | $25.00 | $25.00 | 7/21/2009 9:35:16 AM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:17:24 AM |
| julijask | $50.00 | $50.00 | 7/23/2009 11:11:49 PM |
| greenwell | $25.00 | $25.00 | 7/27/2009 6:16:51 PM |
| FeedTheMachine | $50.00 | $50.00 | 7/27/2009 6:17:31 PM |
| ADIDASNO | $25.00 | $25.00 | 7/28/2009 8:48:20 AM |
| majorf2136 | $25.00 | $25.00 | 7/28/2009 8:48:26 AM |
| 108lender | $26.71 | $26.71 | 7/28/2009 8:48:50 AM |
| pfenness | $60.00 | $60.00 | 7/28/2009 11:46:34 AM |
| chkrvrty | $25.00 | $25.00 | 7/28/2009 11:26:49 AM |
| mc81 | $25.00 | $25.00 | 7/28/2009 11:45:41 AM |
| mercuriant | $25.00 | $25.00 | 7/28/2009 1:46:40 PM |
| anton | $25.00 | $25.00 | 7/28/2009 5:32:43 PM |
| LarWit1512 | $25.00 | $25.00 | 7/28/2009 5:39:26 PM |
| zrohmm | $25.00 | $25.00 | 7/28/2009 4:52:19 PM |
| compsciman | $50.00 | $50.00 | 7/28/2009 5:39:47 PM |
| johnayan | $25.00 | $25.00 | 7/28/2009 5:39:57 PM |
| MSCG | $100.00 | $100.00 | 7/28/2009 6:43:52 PM |
| getreadyloans | $50.00 | $50.00 | 7/29/2009 5:35:10 AM |
| jules3304 | $25.00 | $25.00 | 7/29/2009 12:04:07 PM |
| ajk_blue | $25.00 | $25.00 | 7/29/2009 2:21:37 PM |
| twjh | $25.00 | $25.00 | 7/29/2009 2:18:37 PM |
| ctruong53 | $80.00 | $80.00 | 7/30/2009 10:54:14 AM |
| MSCG | $100.00 | $100.00 | 7/30/2009 7:14:53 PM |
| Brown98 | $25.00 | $25.00 | 7/30/2009 8:03:30 PM |
| Tahoeman | $50.00 | $50.00 | 7/31/2009 8:13:31 AM |
| Pintu_Desai | $25.00 | $25.00 | 7/31/2009 2:25:46 PM |
| PeePaw | $30.00 | $30.00 | 7/31/2009 4:37:26 PM |
| shalofin | $239.40 | $239.40 | 8/1/2009 9:18:14 AM |
| crw1950 | $50.00 | $50.00 | 8/2/2009 7:43:21 AM |
| LendingP2P | $25.00 | $25.00 | 8/2/2009 11:21:29 AM |
| ctaylor15 | $25.00 | $25.00 | 8/2/2009 6:42:14 PM |
| realtormoises | $25.00 | $25.00 | 8/2/2009 8:48:29 PM |
| JohnSmallberries | $25.00 | $25.00 | 8/3/2009 1:33:08 AM |
| jpjazzman | $25.00 | $25.00 | 8/3/2009 5:18:03 AM |
| Matt_Colsia | $50.00 | $50.00 | 8/3/2009 2:42:52 AM |
| SkyLoan | $25.00 | $25.00 | 8/3/2009 11:24:43 AM |
| Taho | $50.00 | $50.00 | 8/3/2009 1:23:29 PM |
| bitano | $50.00 | $50.00 | 8/3/2009 1:19:48 PM |
| USCGrad2003 | $50.00 | $50.00 | 8/3/2009 12:02:15 PM |
| scamps | $50.00 | $50.00 | 8/3/2009 2:03:09 PM |
| branaa99 | $25.00 | $25.00 | 8/3/2009 3:45:06 PM |
| 88 bids
|
Borrower Payment Dependent Notes Series
417861
This series of Notes was issued and sold upon the funding of the borrower loan #38131, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction start date:
| Jul-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 34.5% |
Auction end date:
| Aug-04-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.44% |
Starting monthly payment:
| $54.28 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.44% |
Final monthly payment:
| $54.28 |
| |
|
Auction yield range:
| 17.23% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
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 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:
| 1 |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 2 |
Total credit lines:
| 12 | Length of status: | 1y 1m |
|
Amount delinquent:
| $3,464 |
Revolving credit balance:
| $0 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 6 | | | | |
|
Screen name:
| dookster |
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:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 0
( 0% )
| 640-660
(Mar-2008)
|
|
Principal balance:
| $3,756.73 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Cash flow for business
Purpose of loan:
This loan will be used to cash flow for small business
My financial situation:
I am a good candidate for this loan because I have a prosper loan and have never been late .
Monthly net income: $
3200
Monthly expenses: $
Housing: $
1,109.00
Insurance: $
72 per month
Car expenses: $
222 per month
Utilities: $
118 per month
Phone, cable, internet: $
120 per month
Food, entertainment: $
Clothing, household expenses $
Credit cards and other loans: $
352 per month for student loan and prosper loan
Other expenses: $
240 per month for time share
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 me more about your business? Will this loan be used to ride through slow times? Or will this loan be used for business improvement? Thanks. - P2InvestorSolutions
A:
small part time landscape business .started few months ago . I will use this loan to provide some cash flow at a time when it so hard to get loan from a bank .
(Aug-03-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| brother_tam | $37.92 | $37.92 | 7/27/2009 3:56:44 PM |
| planky | $50.00 | $50.00 | 7/27/2009 9:46:56 PM |
| zebu | $25.00 | $25.00 | 7/29/2009 6:56:10 AM |
| suomynona | $25.00 | $25.00 | 7/31/2009 9:31:15 AM |
| danza | $50.00 | $50.00 | 7/31/2009 11:32:01 AM |
| aztocas | $50.00 | $50.00 | 8/1/2009 10:37:05 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/1/2009 12:01:11 PM |
| grotheik | $50.00 | $50.00 | 8/2/2009 6:32:12 PM |
| cynthiathegreat | $25.00 | $25.00 | 8/3/2009 8:32:26 AM |
| frugalinvestor20 | $25.00 | $25.00 | 8/3/2009 9:53:48 AM |
| micrograin | $25.00 | $25.00 | 8/3/2009 6:05:34 PM |
| lagnisiruk | $33.00 | $33.00 | 8/3/2009 6:45:44 PM |
| chongngoc | $50.00 | $50.00 | 8/4/2009 5:29:02 PM |
| philha99 | $50.00 | $43.14 | 8/4/2009 9:30:14 PM |
| periko | $25.00 | $25.00 | 7/27/2009 10:10:51 PM |
| Engineer44 | $25.00 | $25.00 | 7/30/2009 1:51:31 PM |
| Dave_Cashflow | $100.00 | $100.00 | 7/31/2009 7:38:04 AM |
| doubls | $25.00 | $25.00 | 7/31/2009 7:56:49 PM |
| stonehillloans | $30.00 | $30.00 | 8/1/2009 5:05:34 AM |
| MTMoney | $136.17 | $136.17 | 8/1/2009 4:28:43 PM |
| MONEY_IN_THE_BANK | $25.00 | $25.00 | 8/1/2009 11:46:28 PM |
| joebob78 | $50.00 | $50.00 | 8/2/2009 7:51:26 PM |
| alaskakid | $25.00 | $25.00 | 8/3/2009 7:19:27 PM |
| sokolka | $25.00 | $25.00 | 8/3/2009 9:46:45 PM |
| AY_RY | $25.00 | $25.00 | 8/4/2009 5:17:15 AM |
| gr8heart | $25.00 | $25.00 | 8/4/2009 5:44:21 AM |
| DonDiego | $25.00 | $25.00 | 8/4/2009 3:35:59 PM |
| lendhouse2008 | $69.77 | $69.77 | 8/4/2009 4:31:05 PM |
| aldeed | $50.00 | $50.00 | 8/4/2009 6:13:11 PM |
| P2InvestorSolutions | $25.00 | $25.00 | 8/4/2009 6:03:18 PM |
| 30 bids
|
Borrower Payment Dependent Notes Series
417869
This series of Notes was issued and sold upon the funding of the borrower loan #38123, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-23-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 9.42% |
Starting borrower rate/APR:
| 10.42% / 12.53% |
Starting monthly payment:
| $97.39 |
|
Final lender yield:
| 9.00% |
Final borrower rate/APR:
| 10.00% / 12.11% |
Final monthly payment:
| $96.80 |
| |
|
Auction yield range:
| 4.23% - 9.42% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
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:
| Nov-1994 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 10
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 33 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,028 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 50% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| architect49 |
Borrower's state:
| Minnesota |
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 some bills
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because I have done this in the past and am on time with my payments.
Monthly net income: $ 45,000
Monthly expenses: $
Housing: $ 0
Insurance: $ 85
Car expenses: $ 250
Utilities: $ 0
Phone, cable, internet: $ 48
Food, entertainment: $ 300
Clothing, household expenses $ 100-200
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) |
|
| lagnisiruk | $25.00 | $25.00 | 7/23/2009 4:01:56 PM |
| krishopper | $25.00 | $25.00 | 7/23/2009 4:02:44 PM |
| sas19 | $25.00 | $25.00 | 7/23/2009 4:04:02 PM |
| Sid-K | $50.00 | $50.00 | 7/23/2009 4:04:22 PM |
| Artist_Blue | $25.00 | $25.00 | 7/23/2009 4:00:47 PM |
| bchen78875 | $50.00 | $50.00 | 7/23/2009 4:05:22 PM |
| 888168 | $50.00 | $50.00 | 7/23/2009 4:00:57 PM |
| larrybird | $250.00 | $250.00 | 7/23/2009 4:06:58 PM |
| totoro | $25.00 | $25.00 | 7/23/2009 4:13:44 PM |
| Avala | $25.00 | $25.00 | 7/23/2009 4:05:40 PM |
| kegs | $250.00 | $250.00 | 7/23/2009 4:07:19 PM |
| DukSerduk | $25.00 | $25.00 | 7/23/2009 4:13:46 PM |
| rjleves | $25.00 | $25.00 | 7/23/2009 4:13:47 PM |
| outofoffice | $50.00 | $50.00 | 7/24/2009 9:20:44 AM |
| puifais | $25.00 | $25.00 | 7/24/2009 5:09:02 PM |
| fortytwo | $50.00 | $50.00 | 7/25/2009 9:12:55 PM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:52:16 AM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:37:28 AM |
| kenji4861 | $34.96 | $34.96 | 7/27/2009 4:12:27 PM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:50 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 11:06:48 AM |
| anton | $25.00 | $25.00 | 7/28/2009 5:33:19 PM |
| a-harmonious-deal | $25.00 | $25.00 | 7/28/2009 5:47:34 PM |
| Theboof | $25.00 | $25.00 | 7/29/2009 9:32:44 AM |
| MrDavid | $50.00 | $50.00 | 7/30/2009 1:12:24 PM |
| red-sublime-return | $25.00 | $25.00 | 7/30/2009 1:39:45 PM |
| JJS180 | $25.00 | $25.00 | 7/30/2009 3:33:43 PM |
| incbx | $50.00 | $50.00 | 7/30/2009 3:34:05 PM |
| YellowJacket | $25.00 | $25.00 | 7/30/2009 3:34:48 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 7/30/2009 3:33:05 PM |
| orangemutt | $25.00 | $25.00 | 7/30/2009 9:22:35 PM |
| Arpad | $50.00 | $50.00 | 7/31/2009 6:21:10 AM |
| GElender | $50.00 | $50.00 | 7/31/2009 6:22:03 AM |
| the-silver-blaster | $25.00 | $25.00 | 7/31/2009 12:03:42 PM |
| gravbox | $25.00 | $25.00 | 7/31/2009 6:55:39 PM |
| square_panda | $25.00 | $25.00 | 7/31/2009 7:10:16 PM |
| Rips | $25.00 | $25.00 | 8/1/2009 6:26:25 AM |
| AndersenWatcher | $25.00 | $25.00 | 8/2/2009 2:30:29 PM |
| jfd287 | $25.00 | $25.00 | 8/2/2009 2:40:12 PM |
| NATIVEBORN | $49.61 | $49.61 | 8/3/2009 5:02:39 AM |
| yenom | $25.00 | $25.00 | 7/23/2009 4:02:52 PM |
| truth-companion | $25.00 | $25.00 | 7/23/2009 4:00:19 PM |
| Syzygy | $25.00 | $25.00 | 7/23/2009 4:04:39 PM |
| thegreatone | $25.00 | $25.00 | 7/23/2009 4:05:30 PM |
| financelover | $25.00 | $25.00 | 7/23/2009 4:06:06 PM |
| tallcoolone | $25.00 | $25.00 | 7/23/2009 4:13:50 PM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:55 AM |
| atlgator | $25.00 | $25.00 | 7/25/2009 10:26:34 PM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:02:23 PM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:22:14 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:11:59 AM |
| mrzz | $25.00 | $25.00 | 7/28/2009 8:48:32 AM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:51 PM |
| RoyFauntleroy | $25.00 | $25.00 | 7/28/2009 5:47:32 PM |
| unclejaef | $25.00 | $25.00 | 7/28/2009 5:47:33 PM |
| thedoctor | $25.00 | $25.00 | 7/29/2009 8:11:34 AM |
| greenback-floret | $25.00 | $25.00 | 7/29/2009 9:32:08 AM |
| Veloce | $25.00 | $25.00 | 7/29/2009 12:27:23 PM |
| mathprof | $25.00 | $25.00 | 7/30/2009 10:17:14 AM |
| zhiguli | $50.00 | $50.00 | 7/30/2009 10:56:18 AM |
| OLYVRC | $25.00 | $25.00 | 7/30/2009 1:12:26 PM |
| cheng | $25.00 | $25.00 | 7/30/2009 1:31:42 PM |
| tylerfd | $25.00 | $25.00 | 7/30/2009 1:12:31 PM |
| dumbass | $25.00 | $25.00 | 7/30/2009 3:35:05 PM |
| virtualbank | $25.00 | $25.00 | 7/30/2009 3:12:44 PM |
| thecid | $25.00 | $25.00 | 7/30/2009 8:42:22 PM |
| sisepuede | $25.00 | $25.00 | 7/31/2009 9:31:55 AM |
| deepventures | $25.00 | $25.00 | 7/31/2009 11:08:06 AM |
| authentic-deal8 | $25.00 | $25.00 | 7/31/2009 1:46:50 PM |
| durable-trade | $25.00 | $25.00 | 7/31/2009 1:46:38 PM |
| ChristopherHS | $25.00 | $25.00 | 7/31/2009 2:22:29 PM |
| help_each_other | $25.00 | $25.00 | 7/31/2009 3:56:23 PM |
| slartibardfast | $30.00 | $30.00 | 7/31/2009 5:35:29 PM |
| gilbow | $25.00 | $25.00 | 7/31/2009 6:55:34 PM |
| dcoggins | $50.00 | $50.00 | 8/1/2009 5:20:04 PM |
| skuba | $50.00 | $50.00 | 8/1/2009 11:50:24 PM |
| BoutYeBank | $25.00 | $25.00 | 8/2/2009 1:20:28 PM |
| LordKinbote | $25.00 | $25.00 | 8/2/2009 10:45:21 AM |
| sparky1129 | $25.00 | $25.00 | 8/2/2009 2:21:50 PM |
| Sixmil | $25.00 | $25.00 | 8/2/2009 6:20:14 PM |
| Vacs4u | $25.00 | $25.00 | 8/2/2009 9:10:22 PM |
| Imageloan | $50.00 | $20.43 | 8/2/2009 8:31:54 PM |
| aajwm | $50.00 | $50.00 | 8/3/2009 3:20:20 AM |
| jblack01 | $25.00 | $25.00 | 8/3/2009 7:45:19 AM |
| 84 bids
|