Sales Report:Supplement No. 14 dated Aug 10, 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
410673
This series of Notes was issued and sold upon the funding of the borrower loan #38127, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,595.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 30.46% |
Starting monthly payment:
| $65.97 |
|
Final lender yield:
| 13.99% |
Final borrower rate/APR:
| 14.99% / 17.26% |
Final monthly payment:
| $55.28 |
| |
|
Auction yield range:
| 8.23% - 27.00% |
Estimated loss impact:
| 6.81% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.18% | | |
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-1992 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 5
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 5y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,183 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 2 |
Bankcard utilization:
| 90% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 37 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| 1Hockeyfan33 |
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.
Description
One step closer
Purpose of loan:
My husband and I own a bar. Our bar stools and chairs have seen better days and we would like to replace them.
My financial situation:
I am a good candidate for this loan because my husband and I are both working full time and we can afford to pay it back. We did have a bankruptcy back in 2004. It was a Chapter 13 and we paid it off early about 4 years ago. Our credit problems are behind us. We are current on all our current obligations.
I am also a Prosper lender.
My Monthly net income: $3220 (This is only my income and does not include my husbands)
2/3 Monthly expenses (as my husband's income pays the rest)
Housing: $1000 (taxes and insurance are escrowed)
Insurance: $110
Car expenses: $150 - gas/maintenance. No car payment. ( plus my company pays my transit costs to take light rail)
Utilities: $250
Phone, cable, internet: $80
Food, entertainment: $225 - groceries and eating out a few times a month
Credit cards and other loans: $110
Child Care: $300 - we are so lucky to have a live-in nanny. The majority of our child care cost is paid in free room/board.
Savings: $150
Life Insurance: $60
Kids College funds: $75
Correspondence school: $35 (I am taking a marketing class)
Misc: $100 Charitable donations, school fundraisers, family pictures, birthday parties, special outings, family gifts, school supplies/registration fees, unexpected purchses/repairs, infrequent cleanings (vents, carpets) etc.,
Leaving over $500 a month to repay this loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Do you have a website we can see? Any chance you can explain the 37 delinquencies? - whitebalcony
A:
We do have a website, but I think it would violate the rule about posting personally identifying information to give it out.
I believe that every time an account is 30 days late it shows a delinquency. So if an account is 60 days late it would show 2? Not sure but that better explains the 37 when there were only 17 accounts in the bankruptcy. It was a chapter 13 so we did pay our debt. You can see there are no current delinquents.
(Jul-23-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Snoopylover | $25.00 | $25.00 | 7/30/2009 1:37:40 PM |
| zapquoc | $25.00 | $25.00 | 7/30/2009 8:45:45 PM |
| Syzygy | $25.00 | $25.00 | 7/31/2009 2:49:52 PM |
| engbusres | $50.00 | $50.00 | 7/31/2009 9:54:59 PM |
| stonehillloans | $25.00 | $25.00 | 8/1/2009 4:53:17 AM |
| ilend57 | $25.00 | $25.00 | 8/1/2009 6:11:48 AM |
| jtc26 | $50.00 | $50.00 | 8/1/2009 2:32:05 PM |
| lilgates26 | $25.00 | $25.00 | 8/1/2009 5:48:46 PM |
| showmethemoney5 | $50.00 | $50.00 | 8/1/2009 8:08:28 PM |
| fire_torf | $25.00 | $25.00 | 8/1/2009 8:27:41 PM |
| thefisherman | $36.28 | $36.28 | 8/2/2009 9:40:42 AM |
| Gazelles4U | $133.13 | $133.13 | 8/2/2009 9:22:27 AM |
| r1w | $75.00 | $75.00 | 8/2/2009 6:50:05 PM |
| ctaylor15 | $25.00 | $25.00 | 8/2/2009 6:40:40 PM |
| ToweringDan | $50.00 | $50.00 | 8/2/2009 7:11:02 PM |
| lockstock | $25.00 | $25.00 | 8/3/2009 6:05:48 AM |
| PeePaw | $25.00 | $25.00 | 8/3/2009 7:57:56 AM |
| RJTintheBK | $25.00 | $25.00 | 8/3/2009 8:42:16 AM |
| caddy5662 | $25.00 | $25.00 | 8/3/2009 10:26:56 AM |
| narblark | $50.00 | $50.00 | 8/3/2009 10:54:18 AM |
| Happyhourcomics | $25.00 | $25.00 | 8/3/2009 12:36:40 PM |
| himistu22 | $30.00 | $30.00 | 8/3/2009 3:45:35 PM |
| ColoradoLender82 | $25.00 | $25.00 | 8/3/2009 4:26:13 PM |
| colorfulgardener | $50.00 | $50.00 | 8/3/2009 4:40:24 PM |
| BigWillie | $50.00 | $50.00 | 8/3/2009 4:58:02 PM |
| piano55 | $75.00 | $75.00 | 7/31/2009 12:57:36 PM |
| bettndon | $50.00 | $42.05 | 8/1/2009 4:54:48 AM |
| bass | $28.54 | $28.54 | 8/1/2009 7:29:22 AM |
| molotri | $25.00 | $25.00 | 8/1/2009 9:56:36 AM |
| ccapital | $100.00 | $100.00 | 8/1/2009 11:13:28 AM |
| FundMaker | $25.00 | $25.00 | 8/1/2009 11:22:18 AM |
| HoosHouse | $50.00 | $50.00 | 8/2/2009 12:59:41 PM |
| yenlowang | $50.00 | $50.00 | 8/2/2009 8:50:12 PM |
| autoconnection | $25.00 | $25.00 | 8/3/2009 4:54:54 AM |
| drb4ever | $25.00 | $25.00 | 8/3/2009 9:33:50 AM |
| businessguy29 | $50.00 | $50.00 | 8/3/2009 9:25:11 AM |
| skaught | $50.00 | $50.00 | 8/3/2009 1:06:24 PM |
| CoolBreezeWarlord | $50.00 | $50.00 | 8/3/2009 1:40:41 PM |
| twjh | $25.00 | $25.00 | 8/3/2009 4:35:07 PM |
| 39 bids
|
Borrower Payment Dependent Notes Series
416747
This series of Notes was issued and sold upon the funding of the borrower loan #38142, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-16-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Jul-30-2009 |
|
|
Starting lender yield:
| 8.42% |
Starting borrower rate/APR:
| 9.42% / 11.52% |
Starting monthly payment:
| $191.97 |
|
Final lender yield:
| 8.40% |
Final borrower rate/APR:
| 9.40% / 11.50% |
Final monthly payment:
| $191.92 |
| |
|
Auction yield range:
| 4.23% - 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:
| Aug-1990 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 11
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 15y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $51,595 |
Occupation: | Military Officer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 88% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| ndwayno |
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
Pay Off High Interest Loans
Purpose of loan:
Paying Off Some of My High Interest Loans
My financial situation:
I have a steady income and will easily be able to make the payments.? In a little bit I will head to the Gulf where my pay becomes tax free. :)
Monthly net income: $ 6100
Monthly expenses: $
??Housing: $ 2700
??Insurance: $ 140 (Homewoners and Car)
??Car expenses: $ 650
??Utilities: $ 75
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $?1000
??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:
can you please list the interest rate of each loan that you have and how much are you saving per month if this prosper loan is created? Thanks in advance. - usd1027
A:
Here is the breakdown:
Mortgage 6.2
Home Eq 8.1
Auto 6.5
Chase 22.8 (the one I am paying off)
Discover 14.8
Amal Bank 12.2
USAA 12.8
(Jul-24-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| PaulW | $25.00 | $25.00 | 7/16/2009 3:03:40 PM |
| totoro | $25.00 | $25.00 | 7/16/2009 3:06:47 PM |
| rjleves | $25.00 | $25.00 | 7/16/2009 3:07:20 PM |
| virtualbank | $25.00 | $25.00 | 7/16/2009 3:07:04 PM |
| kegs | $250.00 | $250.00 | 7/16/2009 3:08:42 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/16/2009 3:09:04 PM |
| tallcoolone | $25.00 | $25.00 | 7/16/2009 3:09:16 PM |
| peb44 | $25.00 | $25.00 | 7/16/2009 3:10:42 PM |
| salala | $25.00 | $25.00 | 7/16/2009 3:08:33 PM |
| truth-companion | $25.00 | $25.00 | 7/16/2009 3:09:52 PM |
| mrzz | $25.00 | $25.00 | 7/16/2009 3:12:40 PM |
| Binan | $25.00 | $25.00 | 7/16/2009 3:10:15 PM |
| TennSquire | $25.00 | $25.00 | 7/16/2009 3:12:46 PM |
| Sixmil | $25.00 | $25.00 | 7/17/2009 12:16:47 AM |
| tylerfd | $25.00 | $25.00 | 7/17/2009 8:02:02 AM |
| jfd287 | $25.00 | $25.00 | 7/17/2009 8:42:05 AM |
| vinayski | $25.00 | $25.00 | 7/17/2009 7:36:51 AM |
| lagnisiruk | $25.00 | $25.00 | 7/17/2009 3:47:50 PM |
| L-vex | $25.00 | $25.00 | 7/18/2009 11:47:05 AM |
| RandomMonkey | $25.00 | $25.00 | 7/18/2009 7:32:06 AM |
| krishopper | $25.00 | $25.00 | 7/19/2009 9:26:54 AM |
| financelover | $25.00 | $25.00 | 7/19/2009 11:16:54 AM |
| giannyny | $25.00 | $25.00 | 7/19/2009 11:21:52 AM |
| BlindProphet | $25.00 | $25.00 | 7/19/2009 3:58:20 PM |
| jonesboyz | $25.00 | $25.00 | 7/19/2009 4:27:03 PM |
| KBank | $25.00 | $25.00 | 7/20/2009 6:56:41 AM |
| grf1945 | $25.00 | $25.00 | 7/20/2009 5:51:57 AM |
| timmydaddy | $25.00 | $25.00 | 7/20/2009 9:42:44 AM |
| Jynxie | $32.85 | $32.85 | 7/20/2009 1:28:18 PM |
| laststrawman | $25.00 | $25.00 | 7/20/2009 5:56:40 PM |
| Hexnut | $50.00 | $50.00 | 7/20/2009 9:32:05 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:06:50 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:16 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:12 AM |
| wild_carrot | $25.00 | $25.00 | 7/21/2009 11:47:44 AM |
| atlviet | $25.00 | $25.00 | 7/21/2009 3:21:57 PM |
| skistud66 | $25.00 | $25.00 | 7/21/2009 3:25:12 PM |
| wwwUniversal | $25.00 | $25.00 | 7/21/2009 3:46:45 PM |
| Okeey | $25.00 | $25.00 | 7/22/2009 9:06:43 AM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:43 AM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:56:47 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:41:49 AM |
| klin | $25.00 | $25.00 | 7/22/2009 11:56:36 AM |
| neenerman | $25.00 | $25.00 | 7/22/2009 1:57:01 PM |
| YogaDude34 | $125.00 | $125.00 | 7/22/2009 3:12:06 PM |
| soccerchamp213 | $25.00 | $25.00 | 7/22/2009 6:22:24 PM |
| djs81 | $25.00 | $25.00 | 7/22/2009 8:40:00 PM |
| sloak | $25.00 | $25.00 | 7/23/2009 8:46:43 AM |
| SkiNZ | $25.00 | $25.00 | 7/23/2009 9:47:06 AM |
| diverse2 | $50.00 | $50.00 | 7/23/2009 10:02:18 AM |
| TheBestDad | $25.00 | $25.00 | 7/23/2009 12:06:53 PM |
| leeball | $25.62 | $25.62 | 7/23/2009 12:46:44 PM |
| aislinnn | $25.00 | $25.00 | 7/23/2009 3:42:26 PM |
| b-rent | $25.00 | $25.00 | 7/23/2009 6:06:46 PM |
| hope-amigo | $25.00 | $25.00 | 7/24/2009 9:31:55 AM |
| mizount | $25.00 | $25.00 | 7/24/2009 10:36:41 AM |
| MasterJin | $25.00 | $25.00 | 7/24/2009 10:41:54 AM |
| tbpt | $25.00 | $25.00 | 7/24/2009 10:43:28 AM |
| Jassi | $43.07 | $43.07 | 7/24/2009 12:41:36 PM |
| BayShell | $40.00 | $40.00 | 7/24/2009 11:06:46 AM |
| SkonkeyGongo | $25.00 | $25.00 | 7/24/2009 11:31:49 AM |
| majormoves1 | $25.00 | $25.00 | 7/24/2009 12:07:10 PM |
| social-comet224 | $25.00 | $25.00 | 7/24/2009 1:46:35 PM |
| SKAGIT22 | $25.00 | $25.00 | 7/24/2009 2:41:36 PM |
| Imageloan | $25.00 | $25.00 | 7/24/2009 2:41:42 PM |
| gotyourgear | $25.00 | $25.00 | 7/24/2009 5:06:37 PM |
| bugleusmc | $30.00 | $30.00 | 7/24/2009 5:07:01 PM |
| naniamo | $25.00 | $25.00 | 7/24/2009 5:08:07 PM |
| HibbyD | $35.00 | $35.00 | 7/24/2009 5:06:28 PM |
| psanganee | $25.00 | $25.00 | 7/24/2009 5:04:45 PM |
| dougm | $50.00 | $50.00 | 7/24/2009 5:04:49 PM |
| able2help | $25.00 | $18.85 | 7/24/2009 5:08:48 PM |
| trucklawyer | $25.00 | $25.00 | 7/24/2009 5:08:32 PM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 1:12:44 PM |
| KSgirl89 | $50.00 | $50.00 | 7/28/2009 8:46:21 PM |
| sab | $25.00 | $25.00 | 7/28/2009 9:05:32 PM |
| JCMC | $25.00 | $25.00 | 7/28/2009 9:08:07 PM |
| Sentosa | $100.00 | $100.00 | 7/29/2009 12:51:02 PM |
| Keebs | $50.00 | $50.00 | 7/29/2009 3:36:06 PM |
| MacBrandon | $25.00 | $25.00 | 7/29/2009 11:50:46 AM |
| OoM | $25.00 | $25.00 | 7/30/2009 9:13:30 AM |
| money-expert | $25.00 | $25.00 | 7/30/2009 5:52:45 AM |
| RecoveryLender | $25.00 | $25.00 | 7/30/2009 7:49:54 AM |
| maga | $50.00 | $50.00 | 7/30/2009 11:51:55 AM |
| rbgnr111 | $25.00 | $25.00 | 7/30/2009 1:16:08 PM |
| cac1966 | $59.71 | $59.71 | 7/30/2009 2:01:51 PM |
| colorfulgardener | $50.00 | $50.00 | 7/30/2009 2:46:41 PM |
| DukSerduk | $25.00 | $25.00 | 7/16/2009 3:07:07 PM |
| Sigonio | $25.00 | $25.00 | 7/16/2009 3:07:16 PM |
| bradwill | $50.00 | $50.00 | 7/16/2009 3:09:21 PM |
| larrybird | $250.00 | $250.00 | 7/16/2009 3:10:23 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/16/2009 3:05:22 PM |
| YellowJacket | $25.00 | $25.00 | 7/16/2009 3:10:47 PM |
| thedoctor | $25.00 | $25.00 | 7/16/2009 3:11:00 PM |
| MT1130 | $25.00 | $25.00 | 7/16/2009 3:10:32 PM |
| dumbass | $25.00 | $25.00 | 7/16/2009 3:11:08 PM |
| kenji4861 | $50.00 | $50.00 | 7/16/2009 3:11:12 PM |
| woodenshoes | $100.00 | $100.00 | 7/16/2009 3:13:06 PM |
| pakrbkr | $25.00 | $25.00 | 7/16/2009 3:08:22 PM |
| 888168 | $50.00 | $50.00 | 7/16/2009 3:12:16 PM |
| anton | $25.00 | $25.00 | 7/16/2009 3:13:12 PM |
| Artist_Blue | $25.00 | $25.00 | 7/16/2009 3:11:23 PM |
| abidos | $25.00 | $25.00 | 7/16/2009 3:15:06 PM |
| outwish | $25.00 | $25.00 | 7/16/2009 3:52:54 PM |
| restech | $25.00 | $25.00 | 7/16/2009 11:47:02 PM |
| kaykarun | $50.00 | $50.00 | 7/17/2009 12:47:35 AM |
| Sumach | $25.00 | $25.00 | 7/17/2009 8:37:55 AM |
| nkh | $100.00 | $100.00 | 7/17/2009 12:54:35 PM |
| OLYVRC | $25.00 | $25.00 | 7/17/2009 9:02:24 PM |
| mjcjmm4407 | $25.00 | $25.00 | 7/17/2009 10:27:32 PM |
| LordKinbote | $25.00 | $25.00 | 7/19/2009 3:11:58 PM |
| wjf60 | $50.00 | $50.00 | 7/19/2009 4:38:48 PM |
| andymax | $25.00 | $25.00 | 7/19/2009 5:57:10 PM |
| puifais | $25.00 | $25.00 | 7/19/2009 10:07:15 PM |
| Boxhead | $25.00 | $25.00 | 7/20/2009 9:27:37 AM |
| wormdc | $25.00 | $25.00 | 7/20/2009 12:17:25 PM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 1:32:09 PM |
| mlbox3k | $25.00 | $25.00 | 7/20/2009 3:31:55 PM |
| zeelender | $25.00 | $25.00 | 7/20/2009 3:42:03 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/20/2009 9:46:53 PM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:34 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:29 AM |
| greenwell | $50.00 | $50.00 | 7/21/2009 1:53:02 PM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:49 AM |
| damage | $25.00 | $25.00 | 7/21/2009 3:23:41 PM |
| oodkim84oo | $25.00 | $25.00 | 7/21/2009 3:22:12 PM |
| NJNY | $25.00 | $25.00 | 7/21/2009 3:25:56 PM |
| GElender | $25.00 | $25.00 | 7/21/2009 3:25:31 PM |
| quintilian | $50.00 | $50.00 | 7/21/2009 10:59:06 PM |
| amsterq | $25.00 | $25.00 | 7/22/2009 9:32:09 AM |
| DrStaff | $25.18 | $25.18 | 7/22/2009 10:26:42 AM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:16:53 AM |
| Railbird | $25.00 | $25.00 | 7/22/2009 9:32:41 AM |
| DeathScythe676 | $25.00 | $25.00 | 7/22/2009 9:06:39 AM |
| Wart126 | $25.00 | $25.00 | 7/22/2009 11:26:49 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:01:51 PM |
| danielamity | $25.00 | $25.00 | 7/23/2009 9:29:16 AM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:17 PM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:15 AM |
| ayerobbie | $25.00 | $25.00 | 7/23/2009 7:21:37 AM |
| mnmcarve | $25.00 | $25.00 | 7/23/2009 11:36:44 AM |
| Orringo | $25.00 | $25.00 | 7/23/2009 6:28:06 PM |
| bowdish1 | $57.72 | $57.72 | 7/23/2009 5:01:38 PM |
| charb57 | $26.70 | $26.70 | 7/23/2009 9:41:53 PM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:11:49 AM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:19 AM |
| latestone | $25.00 | $25.00 | 7/24/2009 11:01:43 AM |
| jbadawg1017 | $25.00 | $25.00 | 7/24/2009 11:41:55 AM |
| Zipline | $25.00 | $25.00 | 7/24/2009 5:05:03 PM |
| K2Outlaws | $25.00 | $25.00 | 7/24/2009 5:04:24 PM |
| nicklds | $28.49 | $28.49 | 7/24/2009 5:04:40 PM |
| the-swiss-vault | $25.00 | $25.00 | 7/24/2009 5:06:00 PM |
| bigrpf5 | $25.00 | $25.00 | 7/24/2009 5:06:07 PM |
| cny_loans | $25.00 | $25.00 | 7/24/2009 5:07:22 PM |
| thesupplier | $25.00 | $25.00 | 7/24/2009 5:07:32 PM |
| StarE | $25.00 | $25.00 | 7/24/2009 5:05:00 PM |
| papaman | $25.00 | $25.00 | 7/24/2009 5:07:55 PM |
| mtpscuba | $25.00 | $25.00 | 7/24/2009 5:08:47 PM |
| Integrity1st | $26.81 | $26.81 | 7/24/2009 11:35:38 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/27/2009 6:57:36 AM |
| qkinger | $50.00 | $50.00 | 7/28/2009 5:48:43 PM |
| StarFundingSource | $25.00 | $25.00 | 7/28/2009 9:27:07 PM |
| violaetain | $50.00 | $50.00 | 7/28/2009 6:53:19 PM |
| G-Love | $25.00 | $25.00 | 7/29/2009 5:31:52 AM |
| JerryB96 | $25.00 | $25.00 | 7/29/2009 1:50:19 PM |
| demszi1978 | $25.00 | $25.00 | 7/29/2009 10:49:05 AM |
| earth70s | $25.00 | $25.00 | 7/29/2009 4:23:36 PM |
| flshdaskll | $25.00 | $25.00 | 7/30/2009 4:09:58 AM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 8:10:19 AM |
| Niffler | $50.00 | $50.00 | 7/29/2009 7:29:02 PM |
| sgmm330 | $50.00 | $50.00 | 7/29/2009 9:34:09 PM |
| suburbanman64 | $50.00 | $50.00 | 7/30/2009 5:33:46 AM |
| Isotope | $50.00 | $50.00 | 7/30/2009 2:44:33 PM |
| thegreatone | $50.00 | $50.00 | 7/30/2009 2:59:38 PM |
| PlusUltra | $50.00 | $50.00 | 7/30/2009 11:10:39 AM |
| YesMoney | $25.00 | $25.00 | 7/30/2009 2:12:16 PM |
| 176 bids
|
Borrower Payment Dependent Notes Series
417085
This series of Notes was issued and sold upon the funding of the borrower loan #38145, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 8.42% |
Starting borrower rate/APR:
| 9.42% / 11.52% |
Starting monthly payment:
| $159.98 |
|
Final lender yield:
| 8.40% |
Final borrower rate/APR:
| 9.40% / 11.50% |
Final monthly payment:
| $159.93 |
| |
|
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:
| Aug-1994 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 780-800 (Jul-2009) |
Current / open credit lines:
| 7
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 33 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $39,974 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 54% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| Argonaut |
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:
| 0 / 1 |
On-time:
| 5 ( 100% )
| 780-800 (Latest)
|
|
Principal borrowed:
| $9,800.00 | < mo. late:
| 0
( 0% )
| 800-820
(Jan-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 5 | | |
Description
Averaging Down
This is my second loan through the Prosper system. The first was for some home improvement work. This time, I'm wanting to consolidate some debt and lower my interest rate. I'm looking for Prosper to beat what my credit union is offering.
Thanks for your time (and your bids), and feel free to use Prosper's email system to contact me with any questions.
- Tim
Information in the Description is not verified.
Friends And Family Winning Bids
Uncordn8ed has bid a total of
$33.90 in winning bids.
"I've worked with Tim for more than 10 years. Very solid and responsible."
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| virtualbank | $25.00 | $25.00 | 7/20/2009 5:25:53 PM |
| totoro | $25.00 | $25.00 | 7/20/2009 5:25:34 PM |
| truth-companion | $25.00 | $25.00 | 7/20/2009 5:29:07 PM |
| Syzygy | $25.00 | $25.00 | 7/20/2009 5:34:08 PM |
| larrybird | $250.00 | $250.00 | 7/20/2009 5:29:41 PM |
| peb44 | $25.00 | $25.00 | 7/20/2009 5:30:01 PM |
| thedoctor | $25.00 | $25.00 | 7/20/2009 5:30:17 PM |
| 888168 | $50.00 | $50.00 | 7/20/2009 5:31:29 PM |
| lagnisiruk | $25.00 | $25.00 | 7/20/2009 5:36:09 PM |
| mrzz | $25.00 | $25.00 | 7/20/2009 5:32:19 PM |
| krishopper | $25.00 | $25.00 | 7/20/2009 5:39:18 PM |
| bigdogsafety1 | $25.00 | $25.00 | 7/20/2009 5:36:39 PM |
| puifais | $25.00 | $25.00 | 7/20/2009 5:42:29 PM |
| yenom | $25.00 | $25.00 | 7/20/2009 5:40:39 PM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:29 AM |
| meow8705 | $25.00 | $25.00 | 7/21/2009 3:24:14 PM |
| PaulW | $25.00 | $25.00 | 7/21/2009 9:41:36 PM |
| Okeey | $25.00 | $25.00 | 7/22/2009 9:06:55 AM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:56:58 AM |
| Uncordn8ed | $33.90 | $33.90 | 7/23/2009 12:36:24 PM |
| mtb06 | $25.00 | $25.00 | 7/24/2009 10:41:48 AM |
| snowdem0n | $25.00 | $25.00 | 7/27/2009 7:16:58 AM |
| Kelor99 | $25.00 | $25.00 | 7/27/2009 8:41:35 PM |
| JGuide | $25.00 | $25.00 | 7/29/2009 11:55:14 PM |
| AustinAmerica | $25.00 | $25.00 | 7/30/2009 6:02:21 PM |
| Kerensky | $50.00 | $50.00 | 7/30/2009 10:11:38 PM |
| StarFundingSource | $25.00 | $25.00 | 7/31/2009 8:50:50 AM |
| greenventures | $25.00 | $25.00 | 7/31/2009 9:47:15 AM |
| plbquic | $50.00 | $50.00 | 7/31/2009 1:20:48 PM |
| maga | $50.00 | $50.00 | 7/31/2009 1:24:14 PM |
| riptide615 | $1,000.00 | $1,000.00 | 7/31/2009 6:50:02 PM |
| stemper | $50.00 | $50.00 | 7/31/2009 7:08:34 PM |
| paramjit | $78.16 | $78.16 | 7/31/2009 10:19:34 PM |
| G-Love | $25.00 | $25.00 | 8/2/2009 5:44:48 PM |
| gothampark | $50.00 | $50.00 | 8/2/2009 4:56:44 PM |
| QsDad | $50.00 | $50.00 | 8/2/2009 9:07:53 PM |
| kulender | $50.00 | $50.00 | 8/3/2009 6:35:38 AM |
| Havana21 | $500.00 | $500.00 | 8/3/2009 10:21:24 AM |
| narblark | $100.00 | $100.00 | 8/3/2009 10:59:29 AM |
| drb4ever | $25.00 | $25.00 | 8/3/2009 11:21:30 AM |
| Stalker_Sn | $25.00 | $25.00 | 8/3/2009 2:21:09 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 8/3/2009 1:03:02 PM |
| thegreatone | $50.00 | $50.00 | 8/3/2009 4:30:43 PM |
| Druidsoft | $100.00 | $100.00 | 8/3/2009 3:15:43 PM |
| FortunateFields | $50.00 | $50.00 | 8/3/2009 5:05:24 PM |
| OoM | $25.00 | $25.00 | 8/3/2009 5:09:22 PM |
| happy2loan | $25.00 | $25.00 | 8/3/2009 4:45:24 PM |
| kegs | $250.00 | $250.00 | 7/20/2009 5:27:36 PM |
| tallcoolone | $25.00 | $25.00 | 7/20/2009 5:28:33 PM |
| Sigonio | $25.00 | $25.00 | 7/20/2009 5:26:16 PM |
| DukSerduk | $25.00 | $25.00 | 7/20/2009 5:26:03 PM |
| rjleves | $25.00 | $25.00 | 7/20/2009 5:26:26 PM |
| anton | $25.00 | $25.00 | 7/20/2009 5:32:47 PM |
| kenji4861 | $50.00 | $50.00 | 7/20/2009 5:30:29 PM |
| Artist_Blue | $25.00 | $25.00 | 7/20/2009 5:30:44 PM |
| tylerfd | $25.00 | $25.00 | 7/20/2009 5:35:02 PM |
| financelover | $25.00 | $25.00 | 7/20/2009 5:41:04 PM |
| OLYVRC | $25.00 | $25.00 | 7/20/2009 5:37:49 PM |
| jfd287 | $25.00 | $25.00 | 7/20/2009 5:38:11 PM |
| dumbass | $25.00 | $25.00 | 7/20/2009 5:42:59 PM |
| BonusTurtle | $25.00 | $25.00 | 7/20/2009 10:22:07 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:06:59 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:38 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:37 AM |
| YellowJacket | $25.00 | $25.00 | 7/21/2009 4:16:48 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:55 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:42:03 AM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:17:06 AM |
| RoyFauntleroy | $25.00 | $1.93 | 7/22/2009 9:27:24 PM |
| Sixmil | $25.00 | $25.00 | 7/22/2009 8:17:08 PM |
| dpries123 | $25.00 | $25.00 | 7/23/2009 9:59:05 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/23/2009 4:51:23 PM |
| cwm3651 | $25.00 | $25.00 | 7/29/2009 8:09:04 AM |
| emunah6 | $25.00 | $25.00 | 7/29/2009 2:59:04 PM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 8:36:36 AM |
| CornerKetch | $25.00 | $25.00 | 7/30/2009 9:22:53 AM |
| fotep-financial | $25.00 | $25.00 | 7/30/2009 3:37:15 PM |
| AustinAmerica | $25.00 | $25.00 | 7/30/2009 5:59:21 PM |
| dmk2006 | $25.00 | $25.00 | 7/31/2009 8:33:05 AM |
| Snoopylover | $25.00 | $25.00 | 7/31/2009 10:44:08 AM |
| packrs1 | $25.00 | $25.00 | 7/31/2009 1:15:32 PM |
| NorCalBanker09 | $25.00 | $25.00 | 7/31/2009 1:19:30 PM |
| khamen | $25.00 | $25.00 | 7/31/2009 2:33:42 PM |
| myrddraal | $25.00 | $25.00 | 7/31/2009 11:14:23 PM |
| Makemony | $50.00 | $50.00 | 8/1/2009 4:23:24 AM |
| bambampk | $61.01 | $61.01 | 8/1/2009 7:23:41 PM |
| bkb7484 | $25.00 | $25.00 | 8/2/2009 3:32:51 AM |
| bossyboots01 | $25.00 | $25.00 | 8/2/2009 5:55:16 AM |
| Kash2010lu | $25.00 | $25.00 | 8/2/2009 8:34:55 AM |
| JerryB96 | $25.00 | $25.00 | 8/2/2009 8:34:08 AM |
| bossyboots01 | $25.00 | $25.00 | 8/2/2009 9:55:00 AM |
| the-profit-oracle | $25.00 | $25.00 | 8/2/2009 11:09:17 AM |
| oldman68 | $25.00 | $25.00 | 8/3/2009 7:23:15 AM |
| jasunshine | $25.00 | $25.00 | 8/3/2009 10:18:06 AM |
| ApolloBodie | $50.00 | $50.00 | 8/3/2009 11:11:33 AM |
| CoolBreezeWarlord | $50.00 | $50.00 | 8/3/2009 1:43:07 PM |
| maga | $100.00 | $100.00 | 8/3/2009 3:07:41 PM |
| 97 bids
|
Borrower Payment Dependent Notes Series
417119
This series of Notes was issued and sold upon the funding of the borrower loan #38140, 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-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 10.52% |
Starting borrower rate/APR:
| 11.52% / 13.65% |
Starting monthly payment:
| $329.86 |
|
Final lender yield:
| 7.50% |
Final borrower rate/APR:
| 8.50% / 10.59% |
Final monthly payment:
| $315.68 |
| |
|
Auction yield range:
| 3.23% - 10.52% |
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:
| 8 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 820-840 (Jul-2009) |
Current / open credit lines:
| 16
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $17,059 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 19% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| enigmallc |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 86% )
| 820-840 (Latest)
|
|
Principal borrowed:
| $25,000.00 | < mo. late:
| 1
( 14% )
| 740-760
(Jul-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Replacing Our Townhouse Roof
Purpose of loan:
Our townhome is 20 years old this year -- after inspecting the original roof with a couple of contractors, we have decided to replace it BEFORE it starts to leak. We have found a contrator with great references and is very reliable. We are getting a good deal.
My financial situation:
While we have other lines of credit we could use, we firmly believe communities of people helping each other like Prosper is the future of our country. We are choosing to go through Prosper to allow our fellow community members make some money vs. some bank.
It is our expectation that we will pay off this note early as we did our last one. If you are looking for a reliable loan to sponsor, you have found it.
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) |
|
| virtualbank | $25.00 | $25.00 | 7/20/2009 5:25:54 PM |
| Sigonio | $25.00 | $25.00 | 7/20/2009 5:26:17 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/20/2009 5:22:36 PM |
| thedoctor | $50.00 | $50.00 | 7/20/2009 5:24:10 PM |
| DukSerduk | $25.00 | $25.00 | 7/20/2009 5:26:03 PM |
| kenji4861 | $50.00 | $50.00 | 7/20/2009 5:30:30 PM |
| larrybird | $250.00 | $250.00 | 7/20/2009 5:29:43 PM |
| Sumach | $25.00 | $25.00 | 7/20/2009 5:35:12 PM |
| 888168 | $50.00 | $50.00 | 7/20/2009 5:31:30 PM |
| mrzz | $25.00 | $25.00 | 7/20/2009 5:32:20 PM |
| krishopper | $25.00 | $25.00 | 7/20/2009 5:39:19 PM |
| yenom | $25.00 | $25.00 | 7/20/2009 5:40:40 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/20/2009 5:36:40 PM |
| puifais | $25.00 | $25.00 | 7/20/2009 5:42:30 PM |
| meow8705 | $25.00 | $25.00 | 7/20/2009 5:45:14 PM |
| vinayski | $25.00 | $25.00 | 7/20/2009 5:56:42 PM |
| Boxhead | $25.00 | $25.00 | 7/20/2009 5:44:07 PM |
| Hexnut | $50.00 | $50.00 | 7/20/2009 9:32:11 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:07:00 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:30 AM |
| jfd287 | $25.00 | $25.00 | 7/20/2009 11:51:51 PM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:38 AM |
| market-assembler | $25.00 | $25.00 | 7/21/2009 2:54:12 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:56 AM |
| F_R_B_O_H | $50.00 | $50.00 | 7/21/2009 9:36:21 PM |
| Okeey | $25.00 | $25.00 | 7/22/2009 9:06:56 AM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:56:59 AM |
| greenwell | $26.60 | $26.60 | 7/22/2009 3:36:34 PM |
| soccerchamp213 | $25.00 | $25.00 | 7/22/2009 6:22:33 PM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:25 PM |
| sloak | $25.00 | $25.00 | 7/23/2009 8:46:54 AM |
| Sixmil | $25.00 | $25.00 | 7/23/2009 2:19:27 PM |
| PaulW | $25.00 | $25.00 | 7/23/2009 2:17:41 PM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:11:58 AM |
| NATIVEBORN | $25.00 | $25.00 | 7/24/2009 8:26:57 AM |
| wild_carrot | $25.00 | $25.00 | 7/24/2009 9:16:59 AM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:31 AM |
| latestone | $25.00 | $25.00 | 7/24/2009 11:01:59 AM |
| grf1945 | $25.00 | $25.00 | 7/24/2009 1:51:38 PM |
| Railbird | $25.00 | $25.00 | 7/24/2009 5:08:45 PM |
| Brainworm | $25.00 | $25.00 | 7/25/2009 1:38:40 AM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:27 PM |
| giannyny | $25.00 | $25.00 | 7/25/2009 11:11:50 PM |
| xyzlmno | $25.00 | $25.00 | 7/26/2009 9:32:00 AM |
| salala | $25.00 | $25.00 | 7/27/2009 9:57:22 AM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:37:11 AM |
| Jynxie | $35.55 | $35.55 | 7/27/2009 11:41:32 PM |
| wjf60 | $35.22 | $35.22 | 7/27/2009 8:36:33 PM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:21:59 AM |
| durable-trade | $25.00 | $25.00 | 7/28/2009 9:32:41 AM |
| neenerman | $25.00 | $25.00 | 7/28/2009 10:38:06 AM |
| authentic-deal8 | $25.00 | $25.00 | 7/28/2009 9:32:12 AM |
| flexible-value | $25.00 | $25.00 | 7/28/2009 9:33:15 AM |
| pakrbkr | $25.00 | $25.00 | 7/28/2009 11:17:30 AM |
| jonesboyz | $25.00 | $25.00 | 7/28/2009 12:07:05 PM |
| Personal-Bond | $50.00 | $50.00 | 7/28/2009 12:31:44 PM |
| timmydaddy | $25.00 | $25.00 | 7/28/2009 4:12:15 PM |
| aislinnn | $25.00 | $25.00 | 7/28/2009 3:46:37 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:37 PM |
| ChuckChedda | $25.00 | $25.00 | 7/28/2009 4:38:15 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 7/28/2009 6:02:32 PM |
| mjcjmm4407 | $25.00 | $25.00 | 7/28/2009 8:07:15 PM |
| gravbox | $25.00 | $25.00 | 7/28/2009 11:06:45 PM |
| greenback-floret | $25.00 | $25.00 | 7/29/2009 9:31:50 AM |
| Theboof | $25.00 | $25.00 | 7/29/2009 9:32:35 AM |
| Jassi | $50.00 | $50.00 | 7/29/2009 9:32:59 AM |
| Realjo | $50.00 | $50.00 | 7/29/2009 10:08:38 AM |
| pinaypie1 | $25.00 | $25.00 | 7/29/2009 10:02:45 AM |
| gilbow | $25.00 | $25.00 | 7/29/2009 12:52:35 PM |
| Westerly | $50.00 | $50.00 | 7/29/2009 2:17:47 PM |
| interstellar | $41.71 | $41.71 | 7/29/2009 2:56:49 PM |
| emunah6 | $25.00 | $25.00 | 7/29/2009 3:00:11 PM |
| SeattleGuy72 | $25.00 | $25.00 | 7/29/2009 12:13:30 PM |
| Veloce | $25.00 | $25.00 | 7/29/2009 12:27:08 PM |
| cheng | $25.00 | $25.00 | 7/29/2009 12:56:46 PM |
| aesop | $25.00 | $25.00 | 7/29/2009 2:36:43 PM |
| Doc23 | $25.00 | $25.00 | 7/29/2009 7:32:58 PM |
| bradwill | $50.00 | $50.00 | 7/30/2009 5:36:41 AM |
| bowdish1 | $25.82 | $25.82 | 7/30/2009 1:17:34 PM |
| jswanso2 | $25.00 | $25.00 | 7/30/2009 11:36:40 AM |
| djs81 | $25.00 | $25.00 | 7/30/2009 3:25:00 PM |
| SkiNZ | $25.00 | $25.00 | 7/30/2009 3:22:27 PM |
| kubien | $25.00 | $25.00 | 7/30/2009 3:24:25 PM |
| leeball | $54.64 | $54.64 | 7/30/2009 3:30:24 PM |
| reueljw | $25.00 | $25.00 | 7/30/2009 3:25:29 PM |
| sail120 | $25.00 | $25.00 | 7/30/2009 3:27:11 PM |
| Residuum | $25.00 | $25.00 | 7/30/2009 3:28:31 PM |
| StarE | $25.00 | $25.00 | 7/30/2009 3:30:51 PM |
| danielamity | $25.00 | $25.00 | 7/30/2009 3:22:23 PM |
| mlbox3k | $25.00 | $25.00 | 7/30/2009 3:34:30 PM |
| Imageloan | $25.00 | $25.00 | 7/30/2009 3:23:47 PM |
| eggzie | $25.00 | $25.00 | 7/30/2009 8:31:34 PM |
| thecid | $25.00 | $25.00 | 7/30/2009 8:42:16 PM |
| bigrpf5 | $25.00 | $25.00 | 7/31/2009 12:31:15 AM |
| hodap2001 | $25.00 | $25.00 | 7/31/2009 4:45:19 AM |
| GElender | $50.00 | $50.00 | 7/31/2009 6:21:39 AM |
| sisepuede | $25.00 | $25.00 | 7/31/2009 9:31:46 AM |
| wise-silver-wonder | $25.00 | $25.00 | 7/31/2009 9:31:04 AM |
| shawnw2 | $25.00 | $25.00 | 7/31/2009 9:33:31 AM |
| Pawnster | $25.00 | $25.00 | 7/31/2009 9:32:25 AM |
| caipira | $25.00 | $25.00 | 7/31/2009 10:06:09 AM |
| K2Outlaws | $25.00 | $25.00 | 7/31/2009 10:32:49 AM |
| square_panda | $25.00 | $25.00 | 7/31/2009 10:47:47 AM |
| deepventures | $25.00 | $25.00 | 7/31/2009 11:07:36 AM |
| BeachWalkz | $49.00 | $49.00 | 7/31/2009 12:05:31 PM |
| the-silver-blaster | $25.00 | $25.00 | 7/31/2009 12:03:30 PM |
| bmcg | $25.00 | $25.00 | 7/31/2009 1:19:16 PM |
| morpholog | $25.00 | $25.00 | 7/31/2009 2:25:19 PM |
| fireupthegrill | $25.00 | $25.00 | 7/31/2009 2:51:04 PM |
| help_each_other | $25.00 | $25.00 | 7/31/2009 3:56:12 PM |
| tuneman1980 | $25.00 | $25.00 | 7/31/2009 5:11:31 PM |
| jcholloway831 | $25.00 | $25.00 | 7/31/2009 5:11:32 PM |
| tomxnsn | $25.00 | $25.00 | 7/31/2009 5:14:52 PM |
| leemic | $25.00 | $25.00 | 7/31/2009 5:16:45 PM |
| NoNameLender | $53.69 | $53.69 | 7/31/2009 5:20:16 PM |
| treasure-generator | $25.00 | $25.00 | 7/31/2009 5:24:07 PM |
| gotyourgear | $25.00 | $25.00 | 7/31/2009 5:30:42 PM |
| JMY1 | $25.00 | $25.00 | 7/31/2009 6:36:35 PM |
| shellstar | $25.00 | $20.39 | 7/31/2009 6:15:26 PM |
| opus08 | $25.00 | $25.00 | 8/1/2009 3:06:40 PM |
| bkb7484 | $25.00 | $25.00 | 8/2/2009 3:35:50 AM |
| Toskleon | $50.00 | $50.00 | 8/2/2009 8:29:24 AM |
| helpful-dough | $150.00 | $150.00 | 8/2/2009 10:18:03 AM |
| JerryB96 | $25.00 | $25.00 | 8/2/2009 8:37:18 AM |
| AustinAmerica | $25.00 | $25.00 | 8/2/2009 10:39:15 AM |
| SanJoser | $100.00 | $100.00 | 8/2/2009 10:05:25 AM |
| bossyboots01 | $25.00 | $25.00 | 8/2/2009 3:07:21 PM |
| MoneyMaykuur410 | $50.00 | $50.00 | 8/3/2009 6:26:20 AM |
| andyman02 | $50.00 | $50.00 | 8/3/2009 6:29:12 AM |
| jpjazzman | $25.00 | $25.00 | 8/3/2009 5:13:27 AM |
| lockstock | $50.00 | $50.00 | 8/3/2009 6:03:17 AM |
| vtr1000 | $25.00 | $25.00 | 8/3/2009 9:36:56 AM |
| HenlopenCapital | $25.00 | $25.00 | 8/3/2009 10:46:38 AM |
| ApolloBodie | $75.00 | $75.00 | 8/3/2009 11:14:19 AM |
| maga | $100.00 | $100.00 | 8/3/2009 3:10:01 PM |
| Feyenoord | $50.00 | $50.00 | 8/3/2009 1:59:19 PM |
| thegreatone | $82.61 | $82.61 | 8/3/2009 4:34:02 PM |
| colorfulgardener | $50.00 | $50.00 | 8/3/2009 4:38:23 PM |
| gothampark | $50.00 | $50.00 | 8/3/2009 4:59:03 PM |
| truth-companion | $25.00 | $25.00 | 7/20/2009 5:29:07 PM |
| Artist_Blue | $25.00 | $25.00 | 7/20/2009 5:30:46 PM |
| rjleves | $25.00 | $25.00 | 7/20/2009 5:26:28 PM |
| kegs | $250.00 | $250.00 | 7/20/2009 5:27:37 PM |
| anton | $25.00 | $25.00 | 7/20/2009 5:32:48 PM |
| tallcoolone | $25.00 | $25.00 | 7/20/2009 5:28:34 PM |
| Binan | $25.00 | $25.00 | 7/20/2009 5:29:29 PM |
| peb44 | $25.00 | $25.00 | 7/20/2009 5:30:06 PM |
| tylerfd | $25.00 | $25.00 | 7/20/2009 5:35:04 PM |
| kaykarun | $50.00 | $50.00 | 7/20/2009 5:34:36 PM |
| lagnisiruk | $25.00 | $25.00 | 7/20/2009 5:36:10 PM |
| OLYVRC | $25.00 | $25.00 | 7/20/2009 5:37:50 PM |
| BlindProphet | $25.00 | $25.00 | 7/20/2009 5:41:00 PM |
| LordKinbote | $25.00 | $25.00 | 7/20/2009 5:41:11 PM |
| financelover | $25.00 | $25.00 | 7/20/2009 5:41:05 PM |
| dumbass | $25.00 | $25.00 | 7/20/2009 5:43:00 PM |
| wormdc | $25.00 | $25.00 | 7/20/2009 5:44:50 PM |
| tommyanthony | $550.00 | $550.00 | 7/20/2009 8:20:23 PM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:42 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:41 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:58 AM |
| wwwUniversal | $25.00 | $25.00 | 7/21/2009 3:46:56 PM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:17:07 AM |
| zento | $25.00 | $25.00 | 7/22/2009 8:17:22 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:42:05 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:02:00 PM |
| YellowJacket | $25.00 | $25.00 | 7/23/2009 7:21:39 AM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:30 AM |
| TheBestDad | $25.00 | $25.00 | 7/23/2009 12:07:07 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/23/2009 5:03:47 PM |
| Orringo | $25.00 | $25.00 | 7/23/2009 6:28:11 PM |
| hope-amigo | $25.00 | $25.00 | 7/24/2009 9:32:07 AM |
| mizount | $25.00 | $25.00 | 7/24/2009 10:42:19 AM |
| ojibwa | $25.00 | $25.00 | 7/24/2009 6:07:09 PM |
| zeelender | $25.00 | $25.00 | 7/24/2009 5:07:46 PM |
| incbx | $50.00 | $50.00 | 7/24/2009 8:11:59 PM |
| jldallover | $25.00 | $25.00 | 7/24/2009 9:17:13 PM |
| fortytwo | $125.00 | $125.00 | 7/25/2009 9:12:09 PM |
| lucky6 | $25.00 | $25.00 | 7/26/2009 8:41:47 PM |
| jimbo29blue | $25.00 | $25.00 | 7/27/2009 5:02:02 AM |
| OCLend | $25.00 | $25.00 | 7/27/2009 9:41:44 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:51:55 AM |
| cny_loans | $25.00 | $25.00 | 7/27/2009 9:32:36 AM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:02:08 PM |
| member874 | $25.00 | $25.00 | 7/27/2009 12:17:58 PM |
| RusRobo | $25.00 | $25.00 | 7/27/2009 9:12:20 PM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:11:43 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:24 AM |
| nicklds | $37.20 | $37.20 | 7/28/2009 11:33:51 AM |
| woodenshoes | $25.20 | $25.20 | 7/28/2009 11:11:49 AM |
| JJS180 | $25.00 | $25.00 | 7/28/2009 1:43:25 PM |
| MT1130 | $25.00 | $25.00 | 7/28/2009 9:11:59 PM |
| serpentine | $26.31 | $26.31 | 7/29/2009 5:36:42 AM |
| andymax | $25.00 | $25.00 | 7/29/2009 12:02:52 PM |
| zxw | $50.00 | $50.00 | 7/29/2009 12:14:00 PM |
| Wart126 | $25.00 | $25.00 | 7/29/2009 10:16:36 AM |
| PatRichi | $25.00 | $25.00 | 7/29/2009 3:46:59 PM |
| orangemutt | $25.00 | $25.00 | 7/29/2009 9:36:40 PM |
| mathprof | $25.00 | $25.00 | 7/30/2009 10:16:52 AM |
| Snoopylover | $25.00 | $25.00 | 7/30/2009 1:37:44 PM |
| dougm | $38.44 | $38.44 | 7/30/2009 3:24:10 PM |
| ossobuco | $25.00 | $25.00 | 7/30/2009 12:41:30 PM |
| RandomMonkey | $25.00 | $25.00 | 7/30/2009 3:09:44 PM |
| abidos | $25.00 | $25.00 | 7/30/2009 3:10:21 PM |
| restech | $25.00 | $25.00 | 7/30/2009 3:26:30 PM |
| diverse2 | $50.00 | $50.00 | 7/30/2009 3:22:34 PM |
| red-sublime-return | $25.00 | $25.00 | 7/30/2009 1:39:29 PM |
| outwish | $25.00 | $25.00 | 7/30/2009 3:26:41 PM |
| TJ-Financial-Group | $55.00 | $55.00 | 7/30/2009 3:32:42 PM |
| ADenny | $25.00 | $25.00 | 7/30/2009 3:33:38 PM |
| TennSquire | $25.00 | $25.00 | 7/30/2009 3:29:41 PM |
| amsterq | $25.00 | $25.00 | 7/30/2009 3:30:01 PM |
| Barky52 | $25.00 | $25.00 | 7/30/2009 3:35:47 PM |
| Xeo | $25.00 | $25.00 | 7/30/2009 3:34:01 PM |
| KBank | $25.00 | $25.00 | 7/30/2009 3:34:23 PM |
| atlviet | $25.00 | $25.00 | 7/30/2009 3:26:44 PM |
| szetheli | $50.00 | $50.00 | 7/30/2009 7:16:39 PM |
| aajwm | $50.00 | $50.00 | 7/30/2009 3:34:02 PM |
| growlydog | $25.00 | $25.00 | 7/30/2009 8:31:33 PM |
| Kerensky | $100.00 | $100.00 | 7/30/2009 10:16:42 PM |
| b-rent | $25.00 | $25.00 | 7/30/2009 3:46:42 PM |
| SkonkeyGongo | $25.00 | $25.00 | 7/31/2009 12:31:12 AM |
| cingular | $25.00 | $25.00 | 7/31/2009 4:45:25 AM |
| USMC0311 | $25.00 | $25.00 | 7/31/2009 4:45:49 AM |
| slartibardfast | $30.00 | $30.00 | 7/31/2009 6:21:37 AM |
| BayShell | $40.00 | $40.00 | 7/31/2009 7:50:20 AM |
| Ireland64 | $25.00 | $25.00 | 7/31/2009 8:30:31 AM |
| rogo | $27.88 | $27.88 | 7/31/2009 10:39:43 AM |
| charb57 | $50.00 | $50.00 | 7/31/2009 10:44:17 AM |
| mrfixit49 | $25.00 | $25.00 | 7/31/2009 11:40:35 AM |
| mnmcarve | $25.00 | $25.00 | 7/31/2009 12:55:41 PM |
| cemseller | $25.00 | $25.00 | 7/31/2009 2:21:07 PM |
| sclark | $25.00 | $25.00 | 7/31/2009 3:05:16 PM |
| L-vex | $25.00 | $25.00 | 7/31/2009 3:57:16 PM |
| mahjongslave | $50.00 | $50.00 | 7/31/2009 4:26:56 PM |
| Rips | $25.00 | $25.00 | 7/31/2009 4:51:55 PM |
| Bearls | $50.00 | $50.00 | 7/31/2009 5:11:34 PM |
| AKJagMan | $25.00 | $25.00 | 7/31/2009 5:13:46 PM |
| blanchettec | $25.00 | $25.00 | 7/31/2009 5:14:03 PM |
| theemhdoctor | $25.00 | $25.00 | 7/31/2009 5:13:14 PM |
| bikingbtb | $25.00 | $25.00 | 7/31/2009 5:16:51 PM |
| HibbyD | $35.00 | $35.00 | 7/31/2009 5:18:14 PM |
| papaman | $25.00 | $25.00 | 7/31/2009 5:17:07 PM |
| oodkim84oo | $25.00 | $25.00 | 7/31/2009 5:19:43 PM |
| Sitgarath | $25.00 | $25.00 | 7/31/2009 5:19:46 PM |
| AnastasiaBeaverhausen | $25.00 | $25.00 | 7/31/2009 5:20:27 PM |
| skistud66 | $25.00 | $25.00 | 7/31/2009 5:19:55 PM |
| johnsails | $50.00 | $50.00 | 7/31/2009 5:19:57 PM |
| DrStaff | $44.74 | $44.74 | 7/31/2009 5:22:59 PM |
| lendinstuff | $25.00 | $25.00 | 7/31/2009 5:21:29 PM |
| WorldlyWorker | $25.00 | $25.00 | 7/31/2009 5:20:37 PM |
| codenoise | $25.00 | $25.00 | 7/31/2009 5:50:20 PM |
| paramjit | $100.00 | $100.00 | 7/31/2009 10:11:30 PM |
| helpful-dough | $50.00 | $50.00 | 8/2/2009 10:04:16 AM |
| acsej | $50.00 | $50.00 | 8/2/2009 11:46:29 AM |
| pableaus | $25.00 | $25.00 | 8/2/2009 2:10:47 PM |
| outofoffice | $50.00 | $50.00 | 8/2/2009 7:55:38 PM |
| houli123 | $200.00 | $200.00 | 8/3/2009 1:43:54 AM |
| octoberfresh | $25.00 | $25.00 | 8/3/2009 7:06:08 AM |
| kulender | $50.00 | $50.00 | 8/3/2009 6:37:19 AM |
| G8TB8K | $25.00 | $25.00 | 8/3/2009 6:42:05 AM |
| platinum-cub | $200.00 | $200.00 | 8/3/2009 8:38:30 AM |
| MoneyForNothing | $50.00 | $50.00 | 8/3/2009 7:15:54 AM |
| svandals | $25.00 | $25.00 | 8/3/2009 9:05:14 AM |
| maga | $50.00 | $50.00 | 8/3/2009 11:19:53 AM |
| acropiloterau2002 | $50.00 | $50.00 | 8/3/2009 12:40:09 PM |
| Pollack | $50.00 | $50.00 | 8/3/2009 3:25:57 PM |
| happy2loan | $25.00 | $25.00 | 8/3/2009 4:45:52 PM |
| Nasdaq | $100.00 | $100.00 | 8/3/2009 5:18:27 PM |
| 268 bids
|
Borrower Payment Dependent Notes Series
417231
This series of Notes was issued and sold upon the funding of the borrower loan #38143, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 6.17% |
Starting borrower rate/APR:
| 7.17% / 9.24% |
Starting monthly payment:
| $92.86 |
|
Final lender yield:
| 6.15% |
Final borrower rate/APR:
| 7.15% / 9.22% |
Final monthly payment:
| $92.84 |
| |
|
Auction yield range:
| 3.23% - 6.17% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 15
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 48 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $53,460 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 53% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| 4mylittleindy |
Borrower's state:
| Washington |
Borrower's group:
| Government Employees |
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:
| $4,800.00 | < mo. late:
| 0
( 0% )
| 720-740
(May-2008)
|
|
Principal balance:
| $2,932.44 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Making Progress
Purpose of loan:
The purpose of this loan is to pay off another credit card.
My financial situation:
I am a good candidate for this loan because I pay my bills. I am 29 and in the 11 years I have had credit extended to me, I have NEVER been late. I always pay my bills.
I have another Prosper loan that I have never been late and even paid a bit extra on when I've had it.
Here are some answers to some common questions:
My mortgage is fixed.
My monthly net income is 3050.00
Expenses:
Mortgage 765.00 House taxes 175.00
Car (Ins./Fuel): 100.00
Phone/Net: 125.00
Motorcycle: 295.00
Utilities: 125.00
Student Loans: 175.00
Food: 150.00
Credit Cards (total): 650.00 Prosper Loan: 155.00Any extra money goes into my credit cards. I did have an unexpected medical bill that popped up but I have since paid that off. I am happy to pay interest to other people rather than the credit card companies. I will not default on my loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DukSerduk | $25.00 | $25.00 | 7/20/2009 5:26:06 PM |
| totoro | $25.00 | $25.00 | 7/20/2009 5:25:36 PM |
| kegs | $250.00 | $250.00 | 7/20/2009 5:27:40 PM |
| tallcoolone | $25.00 | $25.00 | 7/20/2009 5:28:36 PM |
| larrybird | $250.00 | $250.00 | 7/20/2009 5:29:47 PM |
| tylerfd | $25.00 | $25.00 | 7/20/2009 5:35:06 PM |
| thedoctor | $25.00 | $25.00 | 7/20/2009 5:30:20 PM |
| 888168 | $50.00 | $50.00 | 7/20/2009 5:31:35 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/20/2009 5:36:40 PM |
| kaykarun | $50.00 | $50.00 | 7/20/2009 5:34:37 PM |
| Sumach | $25.00 | $25.00 | 7/20/2009 5:35:13 PM |
| financelover | $25.00 | $25.00 | 7/20/2009 5:41:07 PM |
| krishopper | $25.00 | $25.00 | 7/20/2009 5:39:23 PM |
| Boxhead | $25.00 | $25.00 | 7/20/2009 5:44:08 PM |
| puifais | $25.00 | $25.00 | 7/20/2009 5:42:34 PM |
| wormdc | $25.00 | $25.00 | 7/20/2009 5:44:51 PM |
| kenji4861 | $50.00 | $50.00 | 7/20/2009 8:36:45 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:07:03 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:40 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:45 AM |
| jfd287 | $25.00 | $25.00 | 7/21/2009 3:24:52 PM |
| Sigonio | $25.00 | $25.00 | 7/21/2009 3:24:29 PM |
| dumbass | $25.00 | $25.00 | 7/21/2009 3:25:33 PM |
| peb44 | $25.00 | $25.00 | 7/21/2009 4:16:47 PM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:17:11 AM |
| memoe | $25.00 | $25.00 | 7/24/2009 2:06:36 PM |
| dcoggins | $50.00 | $50.00 | 7/26/2009 11:45:50 AM |
| Earn_money | $25.00 | $25.00 | 7/26/2009 12:48:35 PM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 12:44:09 PM |
| albatross897 | $25.00 | $25.00 | 7/28/2009 8:17:57 PM |
| hodap2001 | $25.00 | $25.00 | 7/30/2009 2:55:54 PM |
| Dollars4Rent | $50.00 | $50.00 | 7/30/2009 3:19:52 PM |
| smk420 | $25.00 | $25.00 | 7/31/2009 9:44:55 PM |
| HealthAndSafety | $50.00 | $50.00 | 8/1/2009 12:12:43 AM |
| beachfunder | $25.00 | $25.00 | 8/1/2009 9:52:37 AM |
| mysapphire | $50.00 | $50.00 | 8/2/2009 11:38:12 AM |
| JerryB96 | $25.00 | $25.00 | 8/2/2009 6:05:45 PM |
| kulender | $50.00 | $50.00 | 8/3/2009 6:38:15 AM |
| Loan_Stranger | $50.00 | $50.00 | 8/3/2009 5:12:23 PM |
| happy2loan | $25.00 | $25.00 | 8/3/2009 4:47:02 PM |
| rjleves | $25.00 | $25.00 | 7/20/2009 5:26:32 PM |
| virtualbank | $25.00 | $25.00 | 7/20/2009 5:25:57 PM |
| mrzz | $25.00 | $25.00 | 7/20/2009 5:32:23 PM |
| truth-companion | $25.00 | $25.00 | 7/20/2009 5:29:10 PM |
| Artist_Blue | $25.00 | $25.00 | 7/20/2009 5:30:49 PM |
| anton | $25.00 | $25.00 | 7/20/2009 5:32:50 PM |
| OLYVRC | $25.00 | $25.00 | 7/20/2009 5:37:52 PM |
| lagnisiruk | $25.00 | $25.00 | 7/20/2009 5:36:14 PM |
| yenom | $25.00 | $25.00 | 7/20/2009 5:40:43 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/20/2009 6:44:05 PM |
| Hexnut | $50.00 | $50.00 | 7/20/2009 9:32:12 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/20/2009 9:46:59 PM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:33 AM |
| kindofaloaner | $25.00 | $25.00 | 7/21/2009 9:33:43 AM |
| leftcoast52 | $25.00 | $25.00 | 7/21/2009 10:51:59 AM |
| Binan | $25.00 | $25.00 | 7/21/2009 9:11:51 PM |
| Okeey | $25.00 | $25.00 | 7/22/2009 9:06:58 AM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:58 AM |
| thegreatone | $25.00 | $25.00 | 7/22/2009 6:57:02 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:42:07 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:02:01 PM |
| soccerchamp213 | $25.00 | $10.00 | 7/22/2009 6:22:33 PM |
| springpanda | $50.00 | $50.00 | 7/23/2009 3:50:57 PM |
| Int_PrinRateTime4000 | $40.00 | $40.00 | 7/23/2009 8:19:21 PM |
| BankofBeth | $50.00 | $50.00 | 7/24/2009 2:46:32 PM |
| MGCFINANCIALSERVICES | $50.00 | $50.00 | 7/25/2009 10:54:36 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/27/2009 7:00:31 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 1:12:50 PM |
| Syzygy | $25.00 | $25.00 | 7/30/2009 12:23:57 PM |
| AlBRich | $25.00 | $25.00 | 7/30/2009 1:36:06 PM |
| sorace | $50.00 | $50.00 | 8/1/2009 12:54:23 AM |
| Auditman | $50.00 | $50.00 | 8/1/2009 8:27:51 PM |
| IceFisherman | $50.00 | $50.00 | 8/2/2009 3:20:23 AM |
| helpful-dough | $100.00 | $100.00 | 8/2/2009 12:26:57 PM |
| gothampark | $25.00 | $25.00 | 8/2/2009 4:59:54 PM |
| bossyboots01 | $25.00 | $25.00 | 8/3/2009 11:24:16 AM |
| Toony | $25.00 | $25.00 | 8/3/2009 2:58:22 PM |
| Druidsoft | $100.00 | $100.00 | 8/3/2009 3:16:51 PM |
| 78 bids
|
Borrower Payment Dependent Notes Series
417261
This series of Notes was issued and sold upon the funding of the borrower loan #38141, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 7.0% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 20.92% |
Starting borrower rate/APR:
| 21.92% / 24.18% |
Starting monthly payment:
| $381.49 |
|
Final lender yield:
| 17.90% |
Final borrower rate/APR:
| 18.90% / 21.12% |
Final monthly payment:
| $366.05 |
| |
|
Auction yield range:
| 8.23% - 20.92% |
Estimated loss impact:
| 7.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.49% | | |
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:
| Sep-1997 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 780-800 (Jul-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 41 | Length of status: | 6y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $9,204 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 56% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| expectations |
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
Update kitchen and bath
Purpose of loan: This loan will be used to update the kitchen and bath in my new home (almost 100 years old). Some plumbing and electrical repairs / updates were just made, in addition to purchasing a new boiler. I would like to settle comfortably in my kitchen and bath in my new home before winter. My financial situation: I am a good candidate for this loan because I have the ability to repay and will repay this loan, despite being rated a C for a 780 score. A 780 used to bring an A rating. However, I do understand the need for restructuring lending practices. Sorry for digressing. I just need a little boost with the kitchen and bath since I just paid out of pocket for some much needed repairs and updates.Monthly net income: $ 4000 Monthly expenses: $ 3000
Housing; Utilities; Phone / Internet ; Transportation / Insurance; Food / Grooming / Miscellaneous; Charity; Student Loan; Credit Card
Thank you for your consideration!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kegs | $179.99 | $179.99 | 7/20/2009 5:24:24 PM |
| hopethisworks | $50.00 | $50.00 | 7/20/2009 5:25:00 PM |
| nodrivelpls | $25.00 | $25.00 | 7/20/2009 5:26:59 PM |
| tlp43 | $25.00 | $25.00 | 7/20/2009 5:23:36 PM |
| salala | $25.00 | $25.00 | 7/20/2009 5:23:47 PM |
| TennSquire | $25.00 | $25.00 | 7/20/2009 5:23:56 PM |
| seisen | $50.00 | $50.00 | 7/20/2009 5:27:57 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/20/2009 5:24:30 PM |
| d_grbg | $25.00 | $25.00 | 7/20/2009 5:25:28 PM |
| loiosh | $25.00 | $25.00 | 7/20/2009 5:25:15 PM |
| SNH | $25.00 | $25.00 | 7/20/2009 5:25:44 PM |
| Cre8iveCash | $25.00 | $25.00 | 7/20/2009 5:31:10 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/20/2009 5:28:06 PM |
| MBIntl | $25.00 | $25.00 | 7/20/2009 5:29:04 PM |
| figs4u2 | $200.00 | $200.00 | 7/20/2009 5:29:21 PM |
| wings2fly | $25.00 | $25.00 | 7/20/2009 5:34:20 PM |
| p2ploan-battalion509 | $50.00 | $50.00 | 7/20/2009 5:35:21 PM |
| Trojan1976 | $25.00 | $25.00 | 7/20/2009 5:31:02 PM |
| lagnisiruk | $25.00 | $25.00 | 7/20/2009 5:36:22 PM |
| mrzz | $25.00 | $25.00 | 7/20/2009 5:32:14 PM |
| greenwell | $25.00 | $25.00 | 7/20/2009 5:37:23 PM |
| TrustinOthers | $25.00 | $25.00 | 7/20/2009 5:37:41 PM |
| beyondmanagement | $25.00 | $25.00 | 7/20/2009 5:34:26 PM |
| kaykarun | $25.00 | $25.00 | 7/20/2009 5:34:45 PM |
| anton | $25.00 | $25.00 | 7/20/2009 5:36:57 PM |
| bulabula | $25.00 | $25.00 | 7/20/2009 5:37:01 PM |
| mirolender | $25.00 | $25.00 | 7/20/2009 5:37:15 PM |
| jstefans | $25.00 | $25.00 | 7/20/2009 5:37:32 PM |
| ohnezweck | $25.00 | $25.00 | 7/20/2009 5:41:53 PM |
| PHI4308 | $25.00 | $25.00 | 7/20/2009 5:39:14 PM |
| FeedTheMachine | $50.00 | $50.00 | 7/20/2009 5:38:39 PM |
| somebody32 | $25.00 | $25.00 | 7/20/2009 5:40:16 PM |
| kumpa2u | $25.00 | $25.00 | 7/20/2009 5:40:29 PM |
| BGILlender | $25.00 | $25.00 | 7/20/2009 5:40:11 PM |
| keeks | $25.00 | $25.00 | 7/20/2009 5:40:23 PM |
| Quetz | $25.00 | $25.00 | 7/20/2009 5:41:59 PM |
| puifais | $25.00 | $25.00 | 7/20/2009 5:42:19 PM |
| apetrock | $50.00 | $38.75 | 7/20/2009 5:43:37 PM |
| Top_Gun_Lender | $51.00 | $51.00 | 7/22/2009 12:40:57 PM |
| 1stBankAndHal | $40.00 | $40.00 | 7/23/2009 8:09:50 AM |
| pksfunds | $100.00 | $100.00 | 7/23/2009 11:01:22 AM |
| mathgod | $25.00 | $25.00 | 7/24/2009 9:54:43 PM |
| unger | $186.90 | $186.90 | 7/25/2009 2:43:43 AM |
| Flying_Tilapia | $75.00 | $75.00 | 7/25/2009 9:16:18 PM |
| Spring342 | $50.00 | $50.00 | 7/26/2009 11:32:12 AM |
| Spring342 | $50.00 | $50.00 | 7/26/2009 11:12:56 AM |
| unger | $355.90 | $355.90 | 7/26/2009 5:31:43 PM |
| paramjit | $25.00 | $25.00 | 7/28/2009 2:30:44 PM |
| Syzygy | $25.00 | $25.00 | 7/28/2009 6:03:37 PM |
| Auditman | $50.00 | $50.00 | 7/28/2009 6:15:15 PM |
| credit-missile | $100.00 | $100.00 | 7/28/2009 6:33:49 PM |
| crowdetc | $25.00 | $25.00 | 7/29/2009 10:33:09 AM |
| StarFundingSource | $25.00 | $25.00 | 7/30/2009 9:16:47 AM |
| california5andime | $25.00 | $25.00 | 7/30/2009 9:20:50 AM |
| ctruong53 | $75.00 | $75.00 | 7/30/2009 10:54:54 AM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 8:41:35 AM |
| orangemutt | $25.00 | $25.00 | 7/30/2009 9:33:53 PM |
| zeija | $25.00 | $25.00 | 7/30/2009 7:22:46 PM |
| psycardis | $25.00 | $25.00 | 7/31/2009 1:03:15 AM |
| jmj2137 | $50.00 | $50.00 | 7/31/2009 10:53:05 AM |
| Jarock5 | $49.68 | $49.68 | 7/31/2009 6:10:02 PM |
| markdavid1957 | $25.00 | $25.00 | 8/1/2009 6:11:42 AM |
| BoughtTheFarm | $25.00 | $25.00 | 8/1/2009 7:54:45 AM |
| ccapital | $100.00 | $100.00 | 8/1/2009 11:16:19 AM |
| SYC_LOAN | $50.00 | $50.00 | 8/2/2009 9:28:08 AM |
| Gaelicman | $125.00 | $125.00 | 8/2/2009 6:18:55 PM |
| dtheo | $43.78 | $43.78 | 8/2/2009 8:06:03 PM |
| interact | $25.00 | $25.00 | 8/2/2009 10:49:05 PM |
| AlBRich | $25.00 | $25.00 | 8/2/2009 11:07:19 PM |
| CMDCO | $50.00 | $50.00 | 8/3/2009 8:56:07 AM |
| TheGeek | $50.00 | $50.00 | 8/3/2009 10:15:36 AM |
| money-expert | $50.00 | $50.00 | 8/3/2009 12:25:03 PM |
| jbchats | $100.00 | $100.00 | 8/3/2009 12:54:56 PM |
| Pu239 | $50.00 | $50.00 | 8/3/2009 1:30:06 PM |
| PeePaw | $25.00 | $25.00 | 8/3/2009 3:34:30 PM |
| larrybird | $250.00 | $250.00 | 7/20/2009 5:24:37 PM |
| igotmoney | $25.00 | $25.00 | 7/20/2009 5:23:12 PM |
| rmachi | $25.00 | $25.00 | 7/20/2009 5:24:46 PM |
| Artist_Blue | $25.00 | $25.00 | 7/20/2009 5:30:39 PM |
| jbarron | $25.00 | $25.00 | 7/20/2009 5:27:29 PM |
| ah-long | $25.00 | $25.00 | 7/20/2009 5:26:49 PM |
| Aviking | $50.00 | $50.00 | 7/20/2009 5:33:05 PM |
| ualf | $50.00 | $50.00 | 7/20/2009 5:29:57 PM |
| 888168 | $25.00 | $25.00 | 7/20/2009 5:29:34 PM |
| Tavita | $25.00 | $25.00 | 7/20/2009 5:30:56 PM |
| p2ploan-lion | $25.00 | $25.00 | 7/20/2009 5:35:52 PM |
| gilbow | $25.00 | $25.00 | 7/20/2009 5:36:02 PM |
| Weaverville | $75.00 | $75.00 | 7/20/2009 5:32:58 PM |
| MicroPod | $25.00 | $25.00 | 7/20/2009 5:32:42 PM |
| maverickfella | $25.00 | $25.00 | 7/20/2009 5:37:30 PM |
| cropdust3r | $25.00 | $25.00 | 7/20/2009 5:33:34 PM |
| mdf | $50.00 | $50.00 | 7/20/2009 5:37:34 PM |
| GElender | $50.00 | $50.00 | 7/20/2009 5:33:40 PM |
| Champpilot | $50.00 | $50.00 | 7/20/2009 5:38:18 PM |
| don8ter | $25.00 | $25.00 | 7/20/2009 5:34:52 PM |
| Josta | $50.00 | $50.00 | 7/20/2009 5:35:36 PM |
| thedreamer | $25.00 | $25.00 | 7/20/2009 5:39:57 PM |
| catomaior | $25.00 | $25.00 | 7/20/2009 5:40:19 PM |
| loan-master996 | $50.00 | $50.00 | 7/20/2009 5:37:09 PM |
| mydreamsagain | $25.00 | $25.00 | 7/20/2009 5:37:37 PM |
| compassion-paladin042 | $25.00 | $25.00 | 7/20/2009 5:41:47 PM |
| money2k | $25.00 | $25.00 | 7/20/2009 5:37:59 PM |
| ribbles | $50.00 | $50.00 | 7/20/2009 5:38:48 PM |
| GMPK_TLAS | $45.00 | $45.00 | 7/20/2009 5:38:28 PM |
| 02bob | $25.00 | $25.00 | 7/20/2009 5:42:43 PM |
| Westsider | $25.00 | $25.00 | 7/20/2009 5:42:48 PM |
| MidnightBank | $25.00 | $25.00 | 7/20/2009 5:39:43 PM |
| restech | $25.00 | $25.00 | 7/20/2009 5:43:13 PM |
| LeoBUSIIT | $25.00 | $25.00 | 7/20/2009 5:40:51 PM |
| LordKinbote | $25.00 | $25.00 | 7/20/2009 5:40:55 PM |
| spike16 | $25.00 | $25.00 | 7/20/2009 5:41:18 PM |
| kyxysyx | $50.00 | $50.00 | 7/20/2009 5:42:15 PM |
| Superc0ld | $100.00 | $100.00 | 7/20/2009 5:42:55 PM |
| zaxsan | $25.00 | $25.00 | 7/20/2009 5:43:05 PM |
| Bank_Of_XL | $100.00 | $100.00 | 7/21/2009 7:32:30 PM |
| twjh | $25.00 | $25.00 | 7/25/2009 4:14:55 PM |
| Frankk2 | $30.00 | $30.00 | 7/27/2009 7:33:49 AM |
| bonus-zone | $25.00 | $25.00 | 7/27/2009 4:39:46 PM |
| fuke | $25.00 | $25.00 | 7/27/2009 5:11:11 PM |
| samaritan5 | $100.00 | $100.00 | 7/28/2009 10:55:37 PM |
| dannyboy_997 | $29.00 | $29.00 | 7/29/2009 7:13:37 AM |
| druidpoet | $50.00 | $50.00 | 7/29/2009 12:30:18 PM |
| Realjo | $25.00 | $25.00 | 7/29/2009 10:11:49 AM |
| SKAGIT22 | $25.00 | $25.00 | 7/29/2009 1:04:29 PM |
| kulender | $50.00 | $50.00 | 7/29/2009 7:30:16 PM |
| crowdetc | $25.00 | $25.00 | 7/29/2009 5:17:11 PM |
| MSCG | $150.00 | $150.00 | 7/29/2009 6:35:54 PM |
| ratzlefrss | $50.00 | $50.00 | 7/30/2009 11:18:22 AM |
| interstellar | $50.00 | $50.00 | 7/30/2009 1:21:34 PM |
| psalms6612 | $25.00 | $25.00 | 7/30/2009 3:57:31 PM |
| podosphero | $50.00 | $50.00 | 7/31/2009 6:17:48 PM |
| ilend57 | $25.00 | $25.00 | 8/1/2009 6:30:05 AM |
| ilend57 | $25.00 | $25.00 | 8/1/2009 6:31:10 AM |
| Nitronian | $100.00 | $100.00 | 8/1/2009 8:13:43 AM |
| gpuck | $25.00 | $25.00 | 8/1/2009 12:13:19 PM |
| FeedTheMachine | $150.00 | $150.00 | 8/1/2009 7:42:06 PM |
| freedom3 | $3,250.00 | $3,250.00 | 8/1/2009 11:12:05 PM |
| IceFisherman | $50.00 | $50.00 | 8/2/2009 3:20:27 AM |
| colorfulgardener | $50.00 | $50.00 | 8/2/2009 6:52:28 AM |
| LendingP2P | $25.00 | $25.00 | 8/2/2009 11:33:09 AM |
| Ehbiker | $50.00 | $50.00 | 8/3/2009 4:18:02 AM |
| jpjazzman | $25.00 | $25.00 | 8/3/2009 5:19:38 AM |
| bootanksmom | $25.00 | $25.00 | 8/3/2009 8:53:54 AM |
| Hobie88 | $50.00 | $50.00 | 8/3/2009 11:22:19 AM |
| usd1027 | $25.00 | $25.00 | 8/3/2009 12:43:44 PM |
| Taho | $50.00 | $50.00 | 8/3/2009 1:26:58 PM |
| 146 bids
|
Borrower Payment Dependent Notes Series
416986
This series of Notes was issued and sold upon the funding of the borrower loan #38151, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction start date:
| Jul-21-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-04-2009 |
|
|
Starting lender yield:
| 26.17% |
Starting borrower rate/APR:
| 27.17% / 29.51% |
Starting monthly payment:
| $122.75 |
|
Final lender yield:
| 23.15% |
Final borrower rate/APR:
| 24.15% / 26.44% |
Final monthly payment:
| $117.93 |
| |
|
Auction yield range:
| 11.23% - 26.17% |
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:
| Jun-1989 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 36 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $22,393 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 101% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Cliver |
Borrower's state:
| NorthCarolina |
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 credit card
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| MicroPod | $25.00 | $25.00 | 7/21/2009 4:09:12 PM |
| lagnisiruk | $25.00 | $25.00 | 7/21/2009 4:09:58 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:17:34 AM |
| NATIVEBORN | $25.00 | $25.00 | 7/23/2009 2:41:45 PM |
| zeelender | $25.00 | $25.00 | 7/26/2009 11:51:52 PM |
| decisive-capital | $30.00 | $30.00 | 7/28/2009 1:43:01 PM |
| thedreamer | $25.00 | $25.00 | 7/29/2009 5:09:24 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 7/29/2009 4:01:40 PM |
| mathprof | $25.00 | $25.00 | 7/30/2009 10:18:12 AM |
| GElender | $25.00 | $25.00 | 7/31/2009 6:22:41 AM |
| natecam | $25.00 | $25.00 | 7/31/2009 8:35:27 AM |
| palpbert | $25.00 | $25.00 | 7/31/2009 12:12:56 PM |
| LAM26 | $25.00 | $25.00 | 7/31/2009 5:17:37 PM |
| YeoLenderSource | $25.00 | $25.00 | 7/31/2009 5:17:15 PM |
| FeedTheMachine | $150.00 | $150.00 | 8/1/2009 7:45:18 PM |
| mercuriant | $25.00 | $25.00 | 8/1/2009 7:45:21 PM |
| MSCG | $150.00 | $150.00 | 8/2/2009 4:02:06 PM |
| fareast_man | $25.00 | $25.00 | 8/3/2009 1:35:50 AM |
| pfenness | $60.00 | $60.00 | 8/3/2009 1:35:54 AM |
| chkrvrty | $25.00 | $25.00 | 8/3/2009 5:21:39 PM |
| davidy | $25.00 | $25.00 | 8/3/2009 5:22:31 PM |
| BR2006007 | $25.00 | $25.00 | 8/3/2009 5:34:32 PM |
| BCD | $25.00 | $25.00 | 8/3/2009 5:22:29 PM |
| Kijib | $25.00 | $25.00 | 8/3/2009 5:35:58 PM |
| shopzone | $50.00 | $41.76 | 8/3/2009 5:36:36 PM |
| scroooge | $25.00 | $25.00 | 8/3/2009 5:55:51 PM |
| silverloan | $50.00 | $50.00 | 8/3/2009 5:43:46 PM |
| BankOfThomas | $200.00 | $200.00 | 8/3/2009 5:58:44 PM |
| aloantime07 | $25.00 | $25.00 | 8/3/2009 6:51:01 PM |
| Pintu_Desai | $25.81 | $25.81 | 8/3/2009 9:11:30 PM |
| martymaniaman | $25.00 | $25.00 | 8/4/2009 5:31:46 AM |
| zodiac100 | $25.00 | $25.00 | 8/3/2009 11:24:03 PM |
| Leshan | $50.00 | $50.00 | 8/4/2009 7:28:06 AM |
| Midg | $25.00 | $25.00 | 8/4/2009 12:25:23 PM |
| genuine-money | $50.00 | $50.00 | 8/4/2009 9:38:01 AM |
| planky | $50.00 | $50.00 | 8/4/2009 1:27:36 PM |
| SkyLoan | $33.96 | $33.96 | 8/4/2009 2:30:02 PM |
| coyone | $50.00 | $50.00 | 8/4/2009 1:55:07 PM |
| mcshew99 | $26.95 | $26.95 | 8/4/2009 2:06:51 PM |
| Bekim | $53.00 | $53.00 | 8/4/2009 3:20:00 PM |
| gilbow | $25.00 | $25.00 | 7/21/2009 4:09:35 PM |
| zento | $25.00 | $25.00 | 7/21/2009 4:12:38 PM |
| seisen | $50.00 | $50.00 | 7/21/2009 4:08:21 PM |
| mrzz | $25.00 | $25.00 | 7/21/2009 4:09:00 PM |
| SNH | $25.00 | $25.00 | 7/23/2009 12:06:42 PM |
| mtp | $50.00 | $50.00 | 7/25/2009 4:27:36 PM |
| sk8ndive | $25.00 | $25.00 | 7/28/2009 6:51:54 AM |
| anton | $25.00 | $25.00 | 7/28/2009 5:32:50 PM |
| Aviking | $25.00 | $25.00 | 7/29/2009 4:32:03 PM |
| cemseller | $25.00 | $25.00 | 7/31/2009 2:26:15 PM |
| IceFisherman | $50.00 | $50.00 | 8/2/2009 3:20:28 AM |
| jdc10128 | $25.00 | $25.00 | 8/3/2009 1:33:23 AM |
| ADIDASNO | $25.00 | $25.00 | 8/3/2009 1:35:48 AM |
| L-vex | $25.00 | $25.00 | 8/3/2009 5:35:04 PM |
| capital-web193 | $25.00 | $25.00 | 8/3/2009 5:35:40 PM |
| padewy | $25.00 | $25.00 | 8/3/2009 5:37:18 PM |
| ajk_blue | $25.00 | $25.00 | 8/3/2009 5:44:13 PM |
| Katieo | $25.00 | $25.00 | 8/3/2009 5:55:42 PM |
| lender-inc | $25.00 | $25.00 | 8/3/2009 6:38:05 PM |
| AM2008 | $25.00 | $25.00 | 8/3/2009 6:20:17 PM |
| Imperativity | $319.00 | $319.00 | 8/3/2009 6:31:29 PM |
| haywood_funds | $25.00 | $25.00 | 8/3/2009 10:21:29 PM |
| joebob78 | $50.00 | $50.00 | 8/3/2009 8:25:39 PM |
| kenang1 | $58.06 | $58.06 | 8/3/2009 9:01:02 PM |
| money-expert | $25.00 | $25.00 | 8/4/2009 6:00:09 AM |
| Bobusa | $25.00 | $25.00 | 8/4/2009 5:53:18 AM |
| dream2live | $26.46 | $26.46 | 8/4/2009 7:59:06 AM |
| LogCabin5 | $50.00 | $50.00 | 8/4/2009 10:33:52 AM |
| realtormoises | $25.00 | $25.00 | 8/4/2009 12:25:32 PM |
| b2m80s | $25.00 | $25.00 | 8/4/2009 12:50:10 PM |
| umfan123 | $25.00 | $25.00 | 8/4/2009 1:46:25 PM |
| twjh | $25.00 | $25.00 | 8/4/2009 2:44:14 PM |
| Feyenoord | $100.00 | $100.00 | 8/4/2009 2:44:41 PM |
| 73 bids
|
Borrower Payment Dependent Notes Series
417242
This series of Notes was issued and sold upon the funding of the borrower loan #38148, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-03-2009 |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $166.07 |
|
Final lender yield:
| 6.15% |
Final borrower rate/APR:
| 7.15% / 9.22% |
Final monthly payment:
| $154.73 |
| |
|
Auction yield range:
| 3.23% - 11.00% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 780-800 (Jul-2009) |
Current / open credit lines:
| 12
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 20 | Length of status: | 14y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,240 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 3% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Vermonter |
Borrower's state:
| Vermont |
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 / 3 |
On-time:
| 23 ( 100% )
| 780-800 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 740-760
(Apr-2009)
720-740
(Aug-2008)
760-780
(Jan-2008)
740-760
(Nov-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Loan to Invest
20:00Purpose of loan:
Let's try again.
Are there still members willing to lend? What type of community do we have here now?
If funded, I will pay off one small personal loan & invest the balance.
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 small is the loan you are paying off? And where do you want to invest the balance? - MsTabbyKats
A:
Lending Club $2,240 @ 7.76%, so obviously I would like my rate on this loan to go below that one and as far as the rest,....not sure yet but I have a wife & 3 daughters who like to spend as much as they can.
(Jul-22-2009)
Q:
Do you plan to invest the proceeds in Prosper loans? - Senator
A:
Prosper is only good for borrowers, lenders are exposed to far too much risk and Prosper does not have a very good track record for taking care of their lenders; as a lender they left me feeling like I did not matter to them. I am pulling every cent of my own money out as it becomes available, I'm just glad my losses are not as much as many others who once believed in Prosper..
(Jul-22-2009)
Q:
I would enjoy lending to a family or individual that prospers. Organizations too! What comes to mind when you think about someone who prospers? - mothandrust
A:
I think of a family of friends that belong to an ORGanization that looks out for each other. A place where we can all PROSPERS.
(Jul-27-2009)
Q:
What do you think of Prosper now? "Worth the wait?" - Reputation1
A:
Sorry for not getting back to you sooner, I just got back from a mountain top experience - bare feet, mud & lots of music....my one week of the year to be a crunchy.
Ah, but back to your question. Prosper is good for borrowers with decent credit and pretty good for creditly challenged folks with a good story. As far as lenders, I would only recommend those who need a right-off for tax time and even then I would suggest donating to a worthy charity instead of a potetial deadbeat.
(Aug-03-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DukSerduk | $25.00 | $25.00 | 7/20/2009 5:26:07 PM |
| truth-companion | $25.00 | $25.00 | 7/20/2009 5:29:11 PM |
| rjleves | $25.00 | $25.00 | 7/20/2009 5:26:33 PM |
| kegs | $250.00 | $250.00 | 7/20/2009 5:27:41 PM |
| tallcoolone | $25.00 | $25.00 | 7/20/2009 5:28:37 PM |
| larrybird | $250.00 | $250.00 | 7/20/2009 5:29:48 PM |
| 888168 | $50.00 | $50.00 | 7/20/2009 5:31:36 PM |
| tylerfd | $25.00 | $25.00 | 7/20/2009 5:35:07 PM |
| financelover | $25.00 | $25.00 | 7/20/2009 5:41:08 PM |
| krishopper | $25.00 | $25.00 | 7/20/2009 5:39:25 PM |
| puifais | $25.00 | $25.00 | 7/20/2009 5:42:37 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/20/2009 9:46:59 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/20/2009 6:47:01 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 7/21/2009 2:56:38 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:16:59 AM |
| dumbass | $25.00 | $25.00 | 7/21/2009 11:36:50 PM |
| peb44 | $25.00 | $25.00 | 7/22/2009 10:03:29 AM |
| Castellan | $25.00 | $25.00 | 7/22/2009 11:17:13 AM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:28 PM |
| YellowJacket | $25.00 | $25.00 | 7/23/2009 9:34:18 AM |
| leftcoast52 | $25.00 | $25.00 | 7/23/2009 9:36:46 AM |
| jfd287 | $25.00 | $25.00 | 7/23/2009 2:17:45 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/23/2009 2:48:31 PM |
| Personal-Bond | $50.00 | $50.00 | 7/23/2009 4:52:53 PM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:12:01 AM |
| kindofaloaner | $25.00 | $25.00 | 7/23/2009 9:06:45 PM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:35 AM |
| Binan | $25.00 | $25.00 | 7/24/2009 11:01:40 PM |
| Sixmil | $25.00 | $25.00 | 7/25/2009 11:01:40 AM |
| wwwUniversal | $25.00 | $25.00 | 7/25/2009 11:11:48 PM |
| grf1945 | $25.00 | $25.00 | 7/26/2009 8:46:34 PM |
| NATIVEBORN | $25.00 | $25.00 | 7/26/2009 11:52:51 PM |
| cny_loans | $25.00 | $25.00 | 7/27/2009 9:32:37 AM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:37:12 AM |
| member874 | $25.00 | $25.00 | 7/27/2009 12:17:59 PM |
| BlindProphet | $25.00 | $25.00 | 7/27/2009 7:31:56 PM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:21:59 AM |
| authentic-deal8 | $25.00 | $25.00 | 7/28/2009 9:32:12 AM |
| giannyny | $25.00 | $25.00 | 7/28/2009 9:57:28 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 10:17:05 AM |
| durable-trade | $25.00 | $25.00 | 7/28/2009 9:32:43 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/28/2009 9:49:21 AM |
| nicklds | $25.00 | $25.00 | 7/28/2009 12:31:53 PM |
| paramjit | $100.00 | $100.00 | 7/28/2009 2:27:32 PM |
| JJS180 | $25.00 | $25.00 | 7/28/2009 1:43:27 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:38 PM |
| mburke3434 | $25.00 | $25.00 | 7/28/2009 4:56:39 PM |
| pakrbkr | $25.00 | $25.00 | 7/28/2009 8:22:06 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 7/28/2009 6:02:33 PM |
| glcorps | $25.00 | $25.00 | 7/28/2009 6:21:52 PM |
| flexible-value | $25.00 | $25.00 | 7/28/2009 6:26:34 PM |
| albatross897 | $25.00 | $25.00 | 7/28/2009 8:26:42 PM |
| woodenshoes | $27.57 | $27.57 | 7/29/2009 5:31:43 AM |
| Theboof | $25.00 | $25.00 | 7/29/2009 9:32:36 AM |
| MT1130 | $25.00 | $25.00 | 7/29/2009 9:23:35 AM |
| greenback-floret | $25.00 | $25.00 | 7/29/2009 9:31:53 AM |
| gilbow | $25.00 | $25.00 | 7/29/2009 12:52:37 PM |
| Veloce | $25.00 | $25.00 | 7/29/2009 12:27:09 PM |
| cheng | $25.00 | $25.00 | 7/29/2009 12:56:47 PM |
| lt_dt | $25.00 | $25.00 | 7/29/2009 6:15:32 PM |
| serpentine | $50.00 | $50.00 | 7/29/2009 7:36:34 PM |
| lucky6 | $25.00 | $25.00 | 7/30/2009 12:07:00 AM |
| amsterq | $25.00 | $25.00 | 7/29/2009 9:06:31 PM |
| outofoffice | $50.00 | $50.00 | 7/30/2009 4:39:20 PM |
| Kerensky | $50.00 | $50.00 | 7/30/2009 10:11:41 PM |
| Dollars4Rent | $50.00 | $50.00 | 7/31/2009 2:53:23 PM |
| JGuide | $25.00 | $25.00 | 7/31/2009 10:48:44 PM |
| gothampark | $50.00 | $50.00 | 8/2/2009 5:26:01 PM |
| totoro | $25.00 | $25.00 | 7/20/2009 5:25:37 PM |
| virtualbank | $25.00 | $25.00 | 7/20/2009 5:25:59 PM |
| thedoctor | $25.00 | $25.00 | 7/20/2009 5:30:21 PM |
| Artist_Blue | $25.00 | $25.00 | 7/20/2009 5:30:50 PM |
| mrzz | $25.00 | $25.00 | 7/20/2009 5:32:24 PM |
| lagnisiruk | $25.00 | $25.00 | 7/20/2009 5:36:16 PM |
| anton | $25.00 | $25.00 | 7/20/2009 5:32:51 PM |
| OLYVRC | $25.00 | $25.00 | 7/20/2009 5:37:54 PM |
| kaykarun | $50.00 | $50.00 | 7/20/2009 5:34:38 PM |
| yenom | $25.00 | $25.00 | 7/20/2009 5:40:46 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 1:07:07 AM |
| Sumach | $25.00 | $25.00 | 7/21/2009 3:21:35 AM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 9:34:47 AM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 9:32:38 AM |
| kenji4861 | $26.82 | $26.82 | 7/21/2009 11:26:58 AM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 9:43:44 AM |
| Sigonio | $25.00 | $25.00 | 7/21/2009 9:46:35 PM |
| Okeey | $25.00 | $25.00 | 7/22/2009 9:06:59 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:42:09 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 7/22/2009 1:02:02 PM |
| soccerchamp213 | $25.00 | $25.00 | 7/22/2009 6:22:34 PM |
| sloak | $25.00 | $25.00 | 7/23/2009 8:46:57 AM |
| Msbutterfly | $25.00 | $25.00 | 7/23/2009 1:52:33 AM |
| dn0pes | $25.00 | $25.00 | 7/23/2009 10:16:45 AM |
| TheBestDad | $25.00 | $25.00 | 7/23/2009 12:07:11 PM |
| hope-amigo | $25.00 | $25.00 | 7/24/2009 9:32:08 AM |
| mizount | $25.00 | $25.00 | 7/24/2009 10:42:21 AM |
| interstellar | $50.00 | $50.00 | 7/24/2009 11:52:22 AM |
| Boxhead | $25.00 | $25.00 | 7/24/2009 11:31:37 AM |
| PaulW | $25.00 | $25.00 | 7/24/2009 11:42:17 AM |
| meow8705 | $25.00 | $25.00 | 7/24/2009 5:08:00 PM |
| ujiba | $50.00 | $50.00 | 7/24/2009 5:06:38 PM |
| incbx | $50.00 | $50.00 | 7/24/2009 8:12:01 PM |
| wormdc | $25.00 | $25.00 | 7/24/2009 10:31:35 PM |
| jldallover | $25.00 | $25.00 | 7/24/2009 9:17:15 PM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:29 PM |
| greenwell | $28.39 | $28.39 | 7/25/2009 9:16:56 PM |
| Hexnut | $43.61 | $43.61 | 7/27/2009 7:01:39 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:51:56 AM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:02:09 PM |
| Railbird | $25.00 | $25.00 | 7/27/2009 12:47:08 PM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 2:11:44 PM |
| zeelender | $25.00 | $25.00 | 7/27/2009 5:41:36 PM |
| Jynxie | $25.00 | $25.00 | 7/28/2009 6:11:36 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:11:44 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:25 AM |
| LordKinbote | $25.00 | $25.00 | 7/28/2009 10:07:05 AM |
| salala | $25.00 | $25.00 | 7/28/2009 11:33:43 AM |
| wjf60 | $37.45 | $37.45 | 7/28/2009 11:45:56 AM |
| jonesboyz | $25.00 | $25.00 | 7/28/2009 2:36:46 PM |
| aislinnn | $25.00 | $25.00 | 7/28/2009 3:11:35 PM |
| ChuckChedda | $25.00 | $25.00 | 7/28/2009 4:38:19 PM |
| neenerman | $25.00 | $25.00 | 7/28/2009 8:22:03 PM |
| Residuum | $25.00 | $25.00 | 7/28/2009 8:51:37 PM |
| gravbox | $25.00 | $25.00 | 7/28/2009 11:06:45 PM |
| Rackmaster32 | $25.00 | $25.00 | 7/28/2009 11:09:04 PM |
| rulender | $50.00 | $50.00 | 7/29/2009 8:17:05 AM |
| RusRobo | $25.00 | $25.00 | 7/29/2009 7:56:42 AM |
| jimbo29blue | $25.00 | $25.00 | 7/29/2009 11:51:36 AM |
| PatRichi | $25.00 | $25.00 | 7/29/2009 3:47:00 PM |
| MCFinance27 | $75.00 | $75.00 | 7/29/2009 9:03:39 PM |
| Westerly | $40.67 | $40.67 | 7/29/2009 7:36:48 PM |
| mathprof | $25.00 | $3.49 | 7/30/2009 10:16:55 AM |
| jimbo29blue | $100.00 | $100.00 | 7/30/2009 12:39:15 PM |
| plbquic | $100.00 | $100.00 | 7/30/2009 1:44:34 PM |
| Syzygy | $25.00 | $25.00 | 7/30/2009 4:14:24 PM |
| orangemutt | $25.00 | $25.00 | 7/30/2009 5:35:17 PM |
| Blind_Pig | $27.00 | $27.00 | 7/30/2009 5:07:13 PM |
| dblakels | $25.00 | $25.00 | 7/31/2009 8:15:00 AM |
| StarFundingSource | $25.00 | $25.00 | 7/31/2009 8:47:30 AM |
| memoe | $25.00 | $25.00 | 8/2/2009 7:41:52 PM |
| Bodyboard | $25.00 | $25.00 | 8/3/2009 12:13:38 AM |
| Keebs | $50.00 | $50.00 | 8/3/2009 7:57:51 AM |
| matthewrburk | $200.00 | $200.00 | 8/3/2009 11:33:29 AM |
| thegreatone | $25.00 | $25.00 | 8/3/2009 5:05:54 PM |
| happy2loan | $25.00 | $25.00 | 8/3/2009 4:43:01 PM |
| 144 bids
|
Borrower Payment Dependent Notes Series
417692
This series of Notes was issued and sold upon the funding of the borrower loan #38132, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction start date:
| Jul-22-2009 |
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction end date:
| Aug-05-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 28.70% |
Final borrower rate/APR:
| 29.70% / 33.72% |
Final monthly payment:
| $42.29 |
| |
|
Auction yield range:
| 14.23% - 34.00% |
Estimated loss impact:
| 16.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.69% | | |
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:
| 9 |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 620-640 (Jul-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 32 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,694 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 99% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| mylady1 |
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:
| 15 ( 100% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < mo. late:
| 0
( 0% )
| 620-640
(Mar-2008)
|
|
Principal balance:
| $2,245.28 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
We're Going to Disneyland...
Purpose of loan:
This loan will be used for a family vacation to Disneyland. My husband and I have never been to Disneyland and we'd like to share the experience with our three young children.
My husband and I both have steady jobs. I have a current prosper loan that I pay on time and have never been late.
Thank you for your consideration!
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) |
|
| Credit2Prosper | $25.00 | $25.00 | 7/24/2009 10:07:52 AM |
| boodo | $100.00 | $100.00 | 8/5/2009 6:07:18 AM |
| california5andime | $25.00 | $25.00 | 8/5/2009 9:01:29 AM |
| rakey | $25.00 | $25.00 | 8/5/2009 11:25:57 AM |
| LogCabin5 | $50.00 | $50.00 | 8/5/2009 11:30:11 AM |
| skockie | $50.00 | $50.00 | 8/5/2009 12:49:12 PM |
| aliasqalias | $27.00 | $27.00 | 8/5/2009 12:11:19 PM |
| genuine-money | $50.00 | $10.15 | 8/5/2009 2:35:55 PM |
| vmh20035 | $50.00 | $50.00 | 8/5/2009 10:41:13 AM |
| IPG1 | $50.00 | $50.00 | 7/28/2009 10:12:45 AM |
| hektek22 | $300.00 | $300.00 | 8/4/2009 9:15:18 PM |
| Moe87 | $50.00 | $50.00 | 8/5/2009 4:43:22 AM |
| tonymoo | $50.00 | $50.00 | 8/5/2009 8:32:01 AM |
| jules3304 | $25.00 | $25.00 | 8/5/2009 10:06:03 AM |
| drb4ever | $25.00 | $25.00 | 8/5/2009 11:22:37 AM |
| bitano | $37.85 | $37.85 | 8/5/2009 2:20:32 PM |
| I_want_to_help_you | $25.00 | $25.00 | 8/5/2009 2:19:12 PM |
| ussugm | $25.00 | $25.00 | 8/5/2009 10:07:23 AM |
| ColoradoLender82 | $25.00 | $25.00 | 8/5/2009 11:09:22 AM |
| congardner1 | $25.00 | $25.00 | 8/5/2009 3:09:55 PM |
| 20 bids
|
Borrower Payment Dependent Notes Series
417964
This series of Notes was issued and sold upon the funding of the borrower loan #38146, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-07-2009 |
|
|
Starting lender yield:
| 9.42% |
Starting borrower rate/APR:
| 10.42% / 12.53% |
Starting monthly payment:
| $64.93 |
|
Final lender yield:
| 8.40% |
Final borrower rate/APR:
| 9.40% / 11.50% |
Final monthly payment:
| $63.97 |
| |
|
Auction yield range:
| 4.23% - 9.42% |
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:
| 10 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $27,008 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 74% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| greatest-unequaled-camaraderi |
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 escrow shortage
Purpose of loan:
This loan will be used to pay off my property tax shortage. I received a property tax escrow statement in the mail informing me my escrow account was $2,000 short this past year and they would also be raising my property taxes. I have the option of splitting the $2,000 shortage amongst the next 12 months of mortgage payments, but I'd rather pay the money up front to avoid a high mortgage payment for the next year.
My financial situation:
I am a good candidate for this loan because I am a responsible and hard working professional. I have always paid all my bills in a timely manner and take great satisfaction from being in good financial standing with lenders.
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 | 7/24/2009 4:13:43 PM |
| krishopper | $25.00 | $25.00 | 7/24/2009 4:13:58 PM |
| truth-companion | $25.00 | $25.00 | 7/24/2009 4:13:12 PM |
| 888168 | $50.00 | $50.00 | 7/24/2009 4:13:29 PM |
| totoro | $25.00 | $25.00 | 7/24/2009 4:16:09 PM |
| DukSerduk | $25.00 | $25.00 | 7/24/2009 4:16:16 PM |
| tallcoolone | $25.00 | $25.00 | 7/24/2009 4:16:34 PM |
| larrybird | $250.00 | $250.00 | 7/24/2009 5:09:08 PM |
| kegs | $250.00 | $245.00 | 7/24/2009 5:09:09 PM |
| fortytwo | $50.00 | $50.00 | 7/25/2009 9:13:00 PM |
| outofoffice | $50.00 | $50.00 | 7/27/2009 11:39:41 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/28/2009 9:51:04 AM |
| dhallii | $30.00 | $30.00 | 7/29/2009 11:11:03 AM |
| MGMNT | $100.00 | $100.00 | 7/30/2009 4:15:00 PM |
| tenchi2777 | $25.00 | $25.00 | 8/3/2009 5:54:51 PM |
| sgmm330 | $50.00 | $50.00 | 8/4/2009 8:50:57 AM |
| plbquic | $50.00 | $50.00 | 8/4/2009 1:23:31 PM |
| Approved | $25.00 | $25.00 | 8/4/2009 7:57:35 PM |
| coasterman | $25.00 | $25.00 | 8/5/2009 12:55:37 PM |
| sknop64 | $50.00 | $50.00 | 8/6/2009 6:46:27 PM |
| hellasow | $25.00 | $25.00 | 8/7/2009 3:21:17 AM |
| BSr | $25.00 | $25.00 | 8/7/2009 4:44:41 AM |
| Avala | $25.00 | $25.00 | 7/24/2009 4:15:18 PM |
| sas19 | $25.00 | $25.00 | 7/24/2009 4:14:18 PM |
| Sid-K | $50.00 | $50.00 | 7/24/2009 4:14:28 PM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 4:16:55 PM |
| bchen78875 | $50.00 | $50.00 | 7/24/2009 4:15:01 PM |
| rjleves | $25.00 | $25.00 | 7/24/2009 4:16:21 PM |
| Artist_Blue | $25.00 | $25.00 | 7/24/2009 5:08:58 PM |
| bondhedger | $25.00 | $25.00 | 7/27/2009 6:14:27 AM |
| dudebrah | $25.00 | $25.00 | 7/27/2009 4:45:15 PM |
| roadster199 | $25.00 | $25.00 | 7/28/2009 7:12:18 AM |
| dpries123 | $25.00 | $25.00 | 7/29/2009 6:35:45 AM |
| Syzygy | $25.00 | $25.00 | 7/30/2009 4:16:02 PM |
| coasterman | $25.00 | $25.00 | 7/30/2009 9:25:09 PM |
| packrs1 | $25.00 | $25.00 | 7/31/2009 1:18:49 PM |
| khamen | $25.00 | $25.00 | 8/3/2009 11:24:26 AM |
| stemper | $50.00 | $50.00 | 8/3/2009 5:49:29 PM |
| SV-AZ | $25.00 | $25.00 | 8/3/2009 8:04:08 PM |
| Brklyn01 | $50.00 | $50.00 | 8/4/2009 7:34:34 PM |
| qkinger | $50.00 | $50.00 | 8/4/2009 9:17:21 PM |
| ColoradoLender82 | $25.00 | $25.00 | 8/6/2009 11:48:05 AM |
| Nyarpy | $25.00 | $25.00 | 8/6/2009 1:07:32 PM |
| kazanov | $25.00 | $25.00 | 8/6/2009 8:43:34 PM |
| dammage | $25.00 | $25.00 | 8/7/2009 3:09:38 AM |
| 45 bids
|