Sales Report:Supplement No. 17 dated Aug 13, 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
205333
This series of Notes was issued and sold upon the funding of the borrower loan #38190, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,250.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-04-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-07-2009 |
|
|
Starting lender yield:
| 7.17% |
Starting borrower rate/APR:
| 8.17% / 10.97% |
Starting monthly payment:
| $39.27 |
|
Final lender yield:
| 6.15% |
Final borrower rate/APR:
| 7.15% / 9.93% |
Final monthly payment:
| $38.68 |
| |
|
Auction yield range:
| 3.23% - 7.17% |
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:
| May-2000 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 760-780 (Aug-2009) |
Current / open credit lines:
| 6
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $49,724 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| SocialBusiness |
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.
Description
Facebook app for Social Business
Purpose of loan:
I recently had a daughter. I've had new worries, but never have I feared my daughter dying of lack of access to clean water. My family and community is water rich. Not once in my life have I ever been truly thirsty. Yet everyday, 4,500 children die from lack of access to clean water. Today, 1 billion people, 1 in 6 of us, are without access to clean drinking water. I've committed to spending some of my personal time and money to ending water poverty.
This loan money will be used to customize an existing Facebook application so that it can be used as a business to make money flow to places that need water. This is going to be a Social Business (video of Nobel Prize Winner's vision of Social Business: http://www.youtube.com/watch?v=E-W6y0HzFWk). 100% of profits will go to http://www.charitywater.org/. One of the fundamental concepts of Social Business is that investors are repaid their money but do not receive dividends. Thus I request that anyone who wishes to make a loan also wishes to participate in some capacity of helping to get the word out about the business once it has launched. This way the return on your investment can be considered a payment for your help. My current job is as a Senior Interactive Producer/Dir. Product Development at a top online ad agency so I have a good background for this project. I have personally invested in the initial application development and am paying monthly hosting fees but would like to involve the community for the next stage. Once completed, the break even point is around 50-100 customers (of the 200 million Facebook users, I feel confident this can quickly be achieved).
My financial situation:
I am currently supporting a wife who is in grad school and our daughter and have very good credit.
Monthly net income: $4,600
Monthly expenses: $4,150-$5,030
Housing: $2,450
Insurance: $200
Car expenses: $300-$600
Utilities: $50-$80
Phone, cable, internet: $200
Food, entertainment: $600-900
Clothing, household expenses $100-350
Credit cards and other loans: $250
Other expenses: $Ranges
About the photo: - what crying baby? :)
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) |
|
| Faura | $25.00 | $25.00 | 8/4/2009 3:57:29 PM |
| mtp | $50.00 | $50.00 | 8/4/2009 3:57:33 PM |
| tallcoolone | $25.00 | $25.00 | 8/4/2009 4:03:28 PM |
| abuyama22 | $25.00 | $25.00 | 8/4/2009 4:03:34 PM |
| greenback-floret | $25.00 | $25.00 | 8/4/2009 4:03:53 PM |
| bchen78875 | $50.00 | $50.00 | 8/4/2009 4:05:53 PM |
| 888168 | $50.00 | $50.00 | 8/4/2009 4:03:40 PM |
| anton | $25.00 | $25.00 | 8/4/2009 4:07:48 PM |
| truth-companion | $25.00 | $25.00 | 8/4/2009 4:07:53 PM |
| hope-eagle6 | $25.00 | $25.00 | 8/4/2009 4:08:01 PM |
| Theboof | $25.00 | $25.00 | 8/4/2009 4:08:14 PM |
| Artist_Blue | $25.00 | $25.00 | 8/4/2009 4:07:04 PM |
| GElender | $50.00 | $10.00 | 8/4/2009 8:21:43 PM |
| squweech | $25.00 | $25.00 | 8/5/2009 9:11:12 PM |
| Syzygy | $25.00 | $25.00 | 8/6/2009 3:39:50 PM |
| Dollars4Rent | $25.00 | $25.00 | 8/6/2009 7:47:44 PM |
| amit_gu | $25.00 | $25.00 | 8/6/2009 7:56:44 PM |
| fortytwo | $125.00 | $125.00 | 8/4/2009 3:59:19 PM |
| shadowflame_99 | $25.00 | $25.00 | 8/4/2009 3:59:17 PM |
| elated-justice | $25.00 | $25.00 | 8/4/2009 3:58:09 PM |
| Avala | $25.00 | $25.00 | 8/4/2009 4:03:06 PM |
| DukSerduk | $25.00 | $25.00 | 8/4/2009 4:03:20 PM |
| totoro | $25.00 | $25.00 | 8/4/2009 4:03:14 PM |
| mathprof | $25.00 | $25.00 | 8/4/2009 4:03:59 PM |
| skuba | $50.00 | $50.00 | 8/4/2009 4:04:20 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/4/2009 4:05:12 PM |
| sas19 | $25.00 | $25.00 | 8/4/2009 4:02:53 PM |
| Sid-K | $50.00 | $50.00 | 8/4/2009 4:03:00 PM |
| cyberie21 | $40.00 | $40.00 | 8/4/2009 4:03:46 PM |
| albatross897 | $25.00 | $25.00 | 8/4/2009 4:04:07 PM |
| Algaes | $25.00 | $25.00 | 8/4/2009 4:07:12 PM |
| rjleves | $25.00 | $25.00 | 8/4/2009 4:07:39 PM |
| kyomoon | $100.00 | $100.00 | 8/4/2009 4:08:06 PM |
| Galdis | $50.00 | $50.00 | 8/5/2009 5:25:44 PM |
| HealthAndSafety | $50.00 | $50.00 | 8/6/2009 7:25:03 PM |
| dblakels | $25.00 | $25.00 | 8/7/2009 10:24:12 AM |
| 36 bids
|
Borrower Payment Dependent Notes Series
221427
This series of Notes was issued and sold upon the funding of the borrower loan #38174, 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-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-07-2009 |
|
|
Starting lender yield:
| 7.19% |
Starting borrower rate/APR:
| 8.19% / 9.34% |
Starting monthly payment:
| $94.27 |
|
Final lender yield:
| 6.15% |
Final borrower rate/APR:
| 7.15% / 9.22% |
Final monthly payment:
| $92.84 |
| |
|
Auction yield range:
| 3.23% - 7.19% |
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:
| Oct-1973 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 14
/
11 | Employment status: | Retired |
|
Now delinquent:
| 0 |
Total credit lines:
| 31 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $51,943 | Stated income: | $50,000-$74,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 43% | |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| CornerKetch |
Borrower's state:
| Delaware |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Camera Equipment
Purpose of loan:
To expand my photography business,
Lighting, stands and new camera, will use existing lens.
Growing current business into a bigger wedding focus.
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) |
|
| shadowflame_99 | $25.00 | $25.00 | 7/24/2009 4:12:23 PM |
| Castellan | $25.00 | $25.00 | 7/24/2009 4:12:55 PM |
| yenom | $25.00 | $25.00 | 7/24/2009 4:14:02 PM |
| sas19 | $25.00 | $25.00 | 7/24/2009 4:14:15 PM |
| unclejaef | $25.00 | $25.00 | 7/24/2009 4:14:36 PM |
| bchen78875 | $50.00 | $50.00 | 7/24/2009 4:14:56 PM |
| larrybird | $250.00 | $250.00 | 7/24/2009 4:15:30 PM |
| rjleves | $25.00 | $25.00 | 7/24/2009 4:16:18 PM |
| sloak | $25.00 | $25.00 | 7/24/2009 4:12:56 PM |
| Artist_Blue | $25.00 | $25.00 | 7/24/2009 4:13:20 PM |
| Avala | $25.00 | $25.00 | 7/24/2009 4:15:14 PM |
| kegs | $250.00 | $250.00 | 7/24/2009 4:15:37 PM |
| krishopper | $25.00 | $25.00 | 7/24/2009 4:13:55 PM |
| DukSerduk | $25.00 | $25.00 | 7/24/2009 4:16:12 PM |
| tallcoolone | $25.00 | $25.00 | 7/24/2009 4:16:31 PM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 4:16:51 PM |
| tylerfd | $25.00 | $25.00 | 7/24/2009 4:16:58 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/26/2009 4:28:20 AM |
| fortytwo | $50.00 | $50.00 | 7/25/2009 9:12:56 PM |
| atlgator | $25.00 | $25.00 | 7/26/2009 9:32:24 AM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:02:24 PM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 2:11:52 PM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:22:15 AM |
| peb44 | $25.00 | $25.00 | 7/28/2009 7:06:35 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:12:00 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:53 AM |
| kenji4861 | $29.69 | $29.69 | 7/28/2009 11:06:42 AM |
| rpd1211 | $25.00 | $25.00 | 7/28/2009 1:06:26 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 7/28/2009 6:02:42 PM |
| gravbox | $25.00 | $25.00 | 7/28/2009 11:06:54 PM |
| Theboof | $25.00 | $25.00 | 7/29/2009 9:32:45 AM |
| cheng | $25.00 | $25.00 | 7/29/2009 12:56:55 PM |
| Lotsofbears | $25.00 | $25.00 | 7/31/2009 5:56:33 PM |
| IceFisherman | $50.00 | $50.00 | 8/2/2009 3:20:32 AM |
| gulab77 | $50.00 | $50.00 | 8/2/2009 10:38:24 AM |
| packrs1 | $25.00 | $25.00 | 8/2/2009 2:40:42 PM |
| plbquic | $50.00 | $50.00 | 8/3/2009 12:00:03 PM |
| Cliffie83 | $116.56 | $116.56 | 8/4/2009 9:00:11 PM |
| octoberfresh | $25.00 | $25.00 | 8/5/2009 6:57:36 AM |
| JCPlending | $25.00 | $25.00 | 8/5/2009 4:16:55 PM |
| bkb7484 | $25.00 | $25.00 | 8/6/2009 4:22:26 AM |
| Banker3119 | $25.00 | $25.00 | 8/6/2009 7:26:37 AM |
| thephoenix0110 | $25.00 | $25.00 | 8/6/2009 4:03:05 PM |
| HealthAndSafety | $50.00 | $50.00 | 8/6/2009 7:22:40 PM |
| yield-quest | $25.00 | $25.00 | 8/6/2009 7:47:31 PM |
| dextro | $25.00 | $25.00 | 8/7/2009 12:43:13 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/7/2009 10:43:37 AM |
| 888168 | $50.00 | $50.00 | 7/24/2009 4:13:26 PM |
| puifais | $25.00 | $25.00 | 7/24/2009 4:14:04 PM |
| Sid-K | $50.00 | $50.00 | 7/24/2009 4:14:25 PM |
| a-harmonious-deal | $25.00 | $25.00 | 7/24/2009 4:14:32 PM |
| truth-companion | $25.00 | $25.00 | 7/24/2009 4:13:10 PM |
| OLYVRC | $25.00 | $25.00 | 7/24/2009 4:16:46 PM |
| lagnisiruk | $25.00 | $25.00 | 7/24/2009 4:13:40 PM |
| RoyFauntleroy | $25.00 | $25.00 | 7/24/2009 4:15:20 PM |
| financelover | $25.00 | $25.00 | 7/24/2009 4:15:24 PM |
| totoro | $25.00 | $25.00 | 7/24/2009 4:16:07 PM |
| incbx | $50.00 | $50.00 | 7/24/2009 8:12:09 PM |
| anton | $25.00 | $25.00 | 7/25/2009 9:17:41 PM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:37:29 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:52:17 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 11:03:21 AM |
| mrzz | $25.00 | $25.00 | 7/28/2009 1:16:35 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:53 PM |
| bigdogsafety1 | $25.00 | $25.00 | 7/28/2009 9:16:37 PM |
| MrDavid | $50.00 | $50.00 | 7/28/2009 6:47:30 PM |
| greenback-floret | $25.00 | $25.00 | 7/29/2009 9:32:09 AM |
| mizount | $25.00 | $25.00 | 7/29/2009 9:34:47 AM |
| Veloce | $25.00 | $25.00 | 7/29/2009 12:27:24 PM |
| gilbow | $25.00 | $25.00 | 7/29/2009 12:52:48 PM |
| thedoctor | $25.00 | $3.75 | 7/30/2009 8:51:35 AM |
| spokanekevin | $25.00 | $25.00 | 8/3/2009 9:31:31 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 8/3/2009 1:06:26 PM |
| MCFinance27 | $25.00 | $25.00 | 8/3/2009 7:47:17 PM |
| cutter21 | $100.00 | $100.00 | 8/4/2009 9:22:40 AM |
| rodaku | $25.00 | $25.00 | 8/4/2009 9:04:49 PM |
| sunnysally | $50.00 | $50.00 | 8/6/2009 10:09:37 AM |
| gothampark | $25.00 | $25.00 | 8/6/2009 4:37:35 PM |
| Earn_money | $25.00 | $25.00 | 8/6/2009 4:50:04 PM |
| YummiBear | $25.00 | $25.00 | 8/7/2009 4:56:20 AM |
| Jwalker11 | $35.00 | $35.00 | 8/7/2009 11:52:16 AM |
| 81 bids
|
Borrower Payment Dependent Notes Series
416903
This series of Notes was issued and sold upon the funding of the borrower loan #38179, 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-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Jul-31-2009 |
|
|
Starting lender yield:
| 6.17% |
Starting borrower rate/APR:
| 7.17% / 9.24% |
Starting monthly payment:
| $154.77 |
|
Final lender yield:
| 6.00% |
Final borrower rate/APR:
| 7.00% / 9.07% |
Final monthly payment:
| $154.39 |
| |
|
Auction yield range:
| 3.23% - 6.17% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.40% | | |
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:
| Apr-1992 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 40 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,768 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 21% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| ghotiing |
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:
| 4 ( 100% )
| 800-820 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 780-800
(Jul-2008)
780-800
(Apr-2008)
720-740
(Dec-2007)
780-800
(Jan-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 4 | | |
Description
Buy a Violin
My daughter is a violinist. Recently, I had a chance to upgrade her instrument. It was an unexpected purchase, but because the new violin is appraised at $11,000 and the dealer offered it to me for $9,000, I took advantage of the discount.
I was able to buy the violin at a discount because I have provided the violin dealer with a lot of business over the years and because of the slow economy. I think the violin dealer needed to move some inventory to keep the cash flowing.
As part of the purchase, I traded in another violin for $4,000. Thus, the requested loan is in the amount of $5,000. Because it was an unexpected purchase, I am requesting the loan so I can break down the purchase into smaller chunks.
I believe with my good credit score and the fact that I have a history of paying on time and paying off a Prosper loan that I am a good candidate for 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:
How old is your daughter and is she a professional musician? - sanramonobserver
A:
She is a high school senior. She has won a few competitions, so the hope is she gets a full ride scholarship.
(Jul-19-2009)
Q:
I notice you are a lender on Prosper. Are you going to invest any more money here? - MsTabbyKats
A:
I receive about $200/mo. (P&I) from my investments in Prosper. The plan is to use these payments to pay for the loan and reinvest the rest back into Prosper.
(Jul-27-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| The-Lighthouse-Group | $25.00 | $25.00 | 7/18/2009 6:10:04 AM |
| retiresecure | $56.81 | $56.81 | 7/18/2009 5:49:02 AM |
| grotheik | $25.00 | $25.00 | 7/18/2009 7:05:58 AM |
| cudgeon | $50.00 | $50.00 | 7/18/2009 8:38:28 AM |
| GoodScot | $25.00 | $25.00 | 7/18/2009 1:04:17 PM |
| jehopper5 | $25.00 | $25.00 | 7/19/2009 8:25:40 AM |
| acg | $30.00 | $30.00 | 7/19/2009 8:55:16 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 7/19/2009 9:46:40 PM |
| Ireland64 | $25.00 | $25.00 | 7/20/2009 8:02:25 AM |
| lancetc | $25.00 | $25.00 | 7/20/2009 8:59:26 AM |
| solarwind | $25.00 | $25.00 | 7/20/2009 12:58:54 PM |
| jrhinomo | $31.79 | $31.79 | 7/20/2009 1:40:15 PM |
| quintilian | $100.00 | $100.00 | 7/20/2009 5:18:27 PM |
| Aquafina24Ounce | $25.00 | $25.00 | 7/20/2009 8:39:58 PM |
| diverse-integrity | $150.00 | $150.00 | 7/21/2009 10:12:51 AM |
| springpanda | $50.00 | $50.00 | 7/21/2009 4:12:58 PM |
| MomB | $25.00 | $25.00 | 7/21/2009 7:15:18 PM |
| Personal-Bond | $50.00 | $50.00 | 7/22/2009 3:16:33 PM |
| 108lender | $200.00 | $181.99 | 7/22/2009 1:58:36 PM |
| Robert99 | $25.00 | $25.00 | 7/22/2009 6:26:37 PM |
| bankojerry | $50.00 | $50.00 | 7/25/2009 8:52:50 AM |
| kulender | $100.00 | $100.00 | 7/25/2009 8:22:34 AM |
| fortytwo | $50.00 | $50.00 | 7/25/2009 9:12:44 PM |
| rks125 | $50.00 | $50.00 | 7/28/2009 5:46:52 PM |
| Auditman | $50.00 | $50.00 | 7/28/2009 6:20:42 PM |
| helpful-dough | $50.00 | $50.00 | 7/29/2009 9:41:43 AM |
| jojnax | $25.00 | $25.00 | 7/30/2009 1:41:58 AM |
| John_14_6 | $25.00 | $25.00 | 7/30/2009 3:17:24 PM |
| Kerensky | $50.00 | $50.00 | 7/30/2009 10:11:33 PM |
| RecoveryLender | $25.00 | $25.00 | 7/31/2009 10:56:00 AM |
| woolfarm | $200.00 | $200.00 | 7/31/2009 12:03:51 PM |
| Sneezie | $200.00 | $200.00 | 7/31/2009 11:54:56 AM |
| djmjkelso | $25.00 | $25.00 | 7/31/2009 12:04:27 PM |
| ssgt95068 | $41.49 | $41.49 | 7/31/2009 11:57:48 AM |
| ThPIllowSack | $25.00 | $25.00 | 7/31/2009 12:29:10 PM |
| scrabbler | $25.00 | $25.00 | 7/31/2009 12:02:20 PM |
| piano55 | $75.00 | $75.00 | 7/31/2009 12:50:54 PM |
| CalCollegeFund19 | $75.00 | $75.00 | 7/31/2009 12:57:48 PM |
| bankar | $25.00 | $25.00 | 7/31/2009 12:58:05 PM |
| JCPlending | $25.00 | $25.00 | 7/31/2009 2:19:25 PM |
| Rancid | $25.00 | $25.00 | 7/31/2009 2:10:55 PM |
| Syzygy | $25.00 | $25.00 | 7/31/2009 2:48:24 PM |
| gizmo65 | $25.00 | $25.00 | 7/17/2009 6:53:26 PM |
| mozzarella | $26.00 | $26.00 | 7/17/2009 6:30:56 PM |
| ladyorayne | $100.00 | $100.00 | 7/18/2009 1:09:23 PM |
| amit_gu | $100.00 | $100.00 | 7/18/2009 7:46:24 PM |
| buckyhead2000 | $25.00 | $25.00 | 7/19/2009 12:06:47 PM |
| Algernon | $47.71 | $47.71 | 7/19/2009 3:10:28 PM |
| larug111 | $100.00 | $100.00 | 7/19/2009 5:04:49 PM |
| LendingP2P | $25.00 | $25.00 | 7/19/2009 8:02:13 PM |
| serpentine | $100.00 | $100.00 | 7/20/2009 6:40:11 AM |
| bonanza1973 | $50.00 | $50.00 | 7/20/2009 9:26:44 AM |
| BonusTurtle | $78.24 | $78.24 | 7/20/2009 10:13:18 PM |
| Jarod213 | $25.00 | $25.00 | 7/21/2009 9:27:04 AM |
| market-assembler | $25.00 | $25.00 | 7/21/2009 2:57:53 PM |
| sgmm330 | $50.00 | $50.00 | 7/21/2009 11:34:14 PM |
| simiray | $25.00 | $25.00 | 7/22/2009 10:59:12 AM |
| BHP12345 | $25.00 | $25.00 | 7/22/2009 7:16:07 AM |
| Firescreek | $25.00 | $25.00 | 7/22/2009 2:05:47 PM |
| keeks | $50.00 | $50.00 | 7/22/2009 1:50:27 PM |
| ScottFinance | $25.00 | $25.00 | 7/24/2009 8:21:22 AM |
| FundMaker | $25.00 | $25.00 | 7/25/2009 9:07:54 PM |
| Flying_Tilapia | $650.00 | $650.00 | 7/25/2009 11:10:46 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/27/2009 6:58:25 AM |
| bankojerry | $50.00 | $50.00 | 7/27/2009 5:37:18 PM |
| gothampark | $100.00 | $100.00 | 7/28/2009 4:09:30 PM |
| takarlstad | $25.00 | $25.00 | 7/28/2009 5:06:53 PM |
| stu6703 | $50.00 | $50.00 | 7/29/2009 6:42:59 AM |
| Dollars4Rent | $50.00 | $50.00 | 7/29/2009 1:58:56 PM |
| btormc5 | $50.00 | $50.00 | 7/29/2009 4:29:24 PM |
| Snoopylover | $25.00 | $25.00 | 7/30/2009 1:37:33 PM |
| ladybug838 | $25.00 | $25.00 | 7/30/2009 2:50:05 PM |
| qkinger | $50.00 | $50.00 | 7/30/2009 7:46:20 PM |
| coasterman | $25.00 | $25.00 | 7/30/2009 9:31:05 PM |
| sorace | $50.00 | $50.00 | 7/31/2009 2:27:17 AM |
| hellasow | $29.76 | $29.76 | 7/31/2009 6:08:33 AM |
| cwm3651 | $25.00 | $25.00 | 7/31/2009 8:01:31 AM |
| aliasqalias | $25.00 | $25.00 | 7/31/2009 8:15:18 AM |
| REITRUST | $114.43 | $114.43 | 7/31/2009 10:44:44 AM |
| jsanford9027 | $36.78 | $36.78 | 7/31/2009 11:10:23 AM |
| uralrider | $50.00 | $50.00 | 7/31/2009 11:25:22 AM |
| the-silver-blaster | $150.00 | $150.00 | 7/31/2009 12:03:37 PM |
| packrs1 | $50.00 | $50.00 | 7/31/2009 1:13:05 PM |
| dreamhope | $25.00 | $25.00 | 7/31/2009 1:22:49 PM |
| G-Love | $25.00 | $25.00 | 7/31/2009 1:31:38 PM |
| plbquic | $50.00 | $50.00 | 7/31/2009 2:47:29 PM |
| StarFundingSource | $25.00 | $25.00 | 7/31/2009 3:18:15 PM |
| GDLK2U | $50.00 | $50.00 | 7/31/2009 3:43:23 PM |
| 88 bids
|
Borrower Payment Dependent Notes Series
417443
This series of Notes was issued and sold upon the funding of the borrower loan #38171, 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-21-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-04-2009 |
|
|
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:
| Mar-2001 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 14
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $88,137 |
Occupation: | Engineer - Chemical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 51% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| allamerathlete |
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.
Description
Pating off credit cards.
Purpose of loan:
This loan will be used to gain a lower interest bearing loan than my current one that is outstanding at $7134 with US Bank @ 14% APY.
My financial situation:
I am a good candidate for this loan because I own a house. I have steady employment and my credit is good. Never late.
Monthly net income: $
7866
Monthly expenses: $
Housing: $
700
Insurance: $
120
Car expenses: $
600
Utilities: $
0
Phone, cable, internet: $
0
Food, entertainment: $
200
Clothing, household expenses $
100
Credit cards and other loans: $ 500
Other expenses: $
200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
88K in revolving credit - not sure how you got fully funded without having to explain this. - StarFundingSource
A:
HELOC, 0% Balance Transfers
(Aug-04-2009)
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 | 7/21/2009 4:07:54 PM |
| tallcoolone | $25.00 | $25.00 | 7/21/2009 4:08:25 PM |
| mrzz | $25.00 | $25.00 | 7/21/2009 4:09:08 PM |
| totoro | $25.00 | $25.00 | 7/21/2009 4:07:48 PM |
| rjleves | $25.00 | $25.00 | 7/21/2009 4:07:58 PM |
| truth-companion | $25.00 | $25.00 | 7/21/2009 4:08:29 PM |
| krishopper | $25.00 | $25.00 | 7/21/2009 4:10:30 PM |
| financelover | $25.00 | $25.00 | 7/21/2009 4:10:47 PM |
| puifais | $25.00 | $25.00 | 7/21/2009 4:11:04 PM |
| unclejaef | $25.00 | $25.00 | 7/21/2009 4:12:48 PM |
| OLYVRC | $25.00 | $25.00 | 7/21/2009 7:26:35 PM |
| tylerfd | $25.00 | $25.00 | 7/23/2009 2:18:47 PM |
| Castellan | $25.00 | $25.00 | 7/23/2009 2:19:21 PM |
| sloak | $25.00 | $25.00 | 7/23/2009 2:19:47 PM |
| kenji4861 | $50.00 | $50.00 | 7/23/2009 2:19:30 PM |
| virtualbank | $25.00 | $25.00 | 7/23/2009 2:20:00 PM |
| peb44 | $25.00 | $25.00 | 7/23/2009 6:06:54 PM |
| atlgator | $25.00 | $25.00 | 7/24/2009 6:12:08 AM |
| RandyL3 | $25.00 | $25.00 | 7/24/2009 3:57:29 PM |
| incbx | $50.00 | $50.00 | 7/24/2009 8:12:06 PM |
| soccerdad16 | $25.00 | $25.00 | 7/25/2009 9:39:26 AM |
| fortytwo | $125.00 | $125.00 | 7/25/2009 9:12:15 PM |
| dumbass | $25.00 | $25.00 | 7/26/2009 9:32:09 AM |
| mizount | $25.00 | $25.00 | 7/26/2009 9:32:13 AM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:02:14 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/27/2009 6:37:28 PM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:11:50 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 10:17:11 AM |
| authentic-deal8 | $25.00 | $25.00 | 7/28/2009 9:32:20 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:30 AM |
| JJS180 | $25.00 | $25.00 | 7/28/2009 1:43:31 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:42 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 7/28/2009 6:02:38 PM |
| MrDavid | $50.00 | $50.00 | 7/28/2009 6:47:25 PM |
| cheng | $25.00 | $25.00 | 7/29/2009 12:56:52 PM |
| Veloce | $25.00 | $25.00 | 7/29/2009 12:27:16 PM |
| gilbow | $25.00 | $25.00 | 7/29/2009 12:52:42 PM |
| member874 | $25.00 | $25.00 | 7/30/2009 10:54:39 AM |
| ChuckChedda | $25.00 | $25.00 | 7/30/2009 10:56:22 AM |
| giannyny | $25.00 | $25.00 | 7/30/2009 10:53:35 AM |
| meow8705 | $25.00 | $25.00 | 7/30/2009 10:53:59 AM |
| Sumach | $25.00 | $25.00 | 7/30/2009 10:54:13 AM |
| jldallover | $25.00 | $25.00 | 7/30/2009 2:18:49 PM |
| NATIVEBORN | $50.00 | $50.00 | 7/30/2009 3:10:46 PM |
| Railbird | $25.00 | $25.00 | 7/30/2009 3:38:28 PM |
| b-rent | $25.00 | $25.00 | 7/30/2009 3:46:47 PM |
| thecid | $25.00 | $25.00 | 7/30/2009 8:42:19 PM |
| wise-silver-wonder | $25.00 | $25.00 | 7/31/2009 9:31:08 AM |
| sisepuede | $25.00 | $25.00 | 7/31/2009 9:31:51 AM |
| deepventures | $25.00 | $25.00 | 7/31/2009 11:07:41 AM |
| cemseller | $25.00 | $25.00 | 7/31/2009 2:21:13 PM |
| morpholog | $25.00 | $25.00 | 7/31/2009 2:25:21 PM |
| bowdish1 | $49.88 | $49.88 | 7/31/2009 1:51:03 PM |
| pinaypie1 | $25.00 | $25.00 | 7/31/2009 3:02:04 PM |
| help_each_other | $25.00 | $25.00 | 7/31/2009 3:56:17 PM |
| Rips | $25.00 | $25.00 | 7/31/2009 4:52:02 PM |
| Brainworm | $25.00 | $25.00 | 7/31/2009 6:55:43 PM |
| jonesboyz | $25.00 | $25.00 | 7/31/2009 8:31:00 PM |
| JGuide | $25.00 | $25.00 | 7/31/2009 11:13:30 PM |
| wild_carrot | $25.00 | $25.00 | 8/1/2009 9:15:16 AM |
| Hexnut | $50.00 | $17.74 | 8/1/2009 2:36:16 PM |
| misohoni | $75.00 | $75.00 | 8/1/2009 3:04:24 PM |
| khamen | $25.00 | $25.00 | 8/3/2009 11:21:52 AM |
| greenventures | $25.00 | $25.00 | 8/3/2009 1:27:49 PM |
| OoM | $25.00 | $25.00 | 8/3/2009 3:17:20 PM |
| walkinsky | $122.43 | $122.43 | 8/3/2009 8:31:41 PM |
| gotigers1972 | $25.00 | $25.00 | 8/4/2009 12:07:45 AM |
| money-expert | $25.00 | $25.00 | 8/4/2009 6:07:37 AM |
| shag2 | $25.00 | $25.00 | 8/4/2009 10:33:32 AM |
| kf88 | $60.00 | $60.00 | 8/4/2009 1:09:00 PM |
| 888168 | $50.00 | $50.00 | 7/21/2009 4:08:58 PM |
| Artist_Blue | $25.00 | $25.00 | 7/21/2009 4:08:46 PM |
| lagnisiruk | $25.00 | $25.00 | 7/21/2009 4:09:54 PM |
| sas19 | $25.00 | $25.00 | 7/21/2009 4:12:13 PM |
| a-harmonious-deal | $25.00 | $25.00 | 7/21/2009 4:12:37 PM |
| Sid-K | $50.00 | $50.00 | 7/21/2009 4:12:34 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:17:05 AM |
| Avala | $25.00 | $25.00 | 7/22/2009 11:42:19 AM |
| RoyFauntleroy | $25.00 | $25.00 | 7/22/2009 9:27:33 PM |
| thedoctor | $25.00 | $25.00 | 7/23/2009 11:56:43 AM |
| larrybird | $250.00 | $250.00 | 7/23/2009 12:03:37 PM |
| kegs | $250.00 | $250.00 | 7/23/2009 12:43:13 PM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 9:37:41 AM |
| YellowJacket | $25.00 | $25.00 | 7/24/2009 5:07:34 PM |
| anton | $25.00 | $25.00 | 7/25/2009 6:11:56 PM |
| Okeey | $25.00 | $25.00 | 7/26/2009 9:32:27 AM |
| Sigonio | $25.00 | $25.00 | 7/26/2009 9:32:11 AM |
| cny_loans | $25.00 | $25.00 | 7/27/2009 9:32:47 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:52:04 AM |
| bigdogsafety1 | $49.07 | $49.07 | 7/27/2009 12:01:45 PM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:37:19 AM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 2:11:48 PM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:22:05 AM |
| durable-trade | $25.00 | $25.00 | 7/28/2009 9:32:50 AM |
| jfd287 | $25.00 | $25.00 | 7/28/2009 8:32:10 PM |
| kaykarun | $50.00 | $50.00 | 7/28/2009 9:11:56 PM |
| gravbox | $25.00 | $25.00 | 7/28/2009 11:06:51 PM |
| greenback-floret | $25.00 | $25.00 | 7/29/2009 9:31:59 AM |
| rulender | $50.00 | $50.00 | 7/29/2009 8:17:10 AM |
| Theboof | $25.00 | $25.00 | 7/29/2009 9:32:40 AM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 9:01:50 AM |
| Sixmil | $25.00 | $25.00 | 7/30/2009 10:54:42 AM |
| aesop | $25.00 | $25.00 | 7/30/2009 10:55:10 AM |
| mathprof | $25.00 | $25.00 | 7/30/2009 10:17:03 AM |
| red-sublime-return | $25.00 | $25.00 | 7/30/2009 1:39:37 PM |
| TheBestDad | $25.00 | $25.00 | 7/30/2009 3:31:14 PM |
| woodenshoes | $100.00 | $100.00 | 7/30/2009 3:31:29 PM |
| MT1130 | $25.00 | $25.00 | 7/30/2009 3:35:06 PM |
| LordKinbote | $25.00 | $25.00 | 7/30/2009 6:12:42 PM |
| Binan | $25.00 | $25.00 | 7/30/2009 3:31:33 PM |
| Kerensky | $83.83 | $83.83 | 7/30/2009 10:16:48 PM |
| USMC0311 | $25.00 | $25.00 | 7/31/2009 4:45:57 AM |
| narblark | $50.00 | $50.00 | 7/31/2009 4:53:38 AM |
| GElender | $50.00 | $50.00 | 7/31/2009 6:21:46 AM |
| grf1945 | $25.00 | $25.00 | 7/31/2009 9:02:21 AM |
| square_panda | $25.00 | $25.00 | 7/31/2009 10:47:52 AM |
| Jynxie | $50.00 | $50.00 | 7/31/2009 12:01:06 PM |
| the-silver-blaster | $25.00 | $25.00 | 7/31/2009 12:03:33 PM |
| flexible-value | $25.00 | $25.00 | 7/31/2009 1:46:47 PM |
| RusRobo | $25.00 | $25.00 | 7/31/2009 2:35:13 PM |
| fireupthegrill | $25.00 | $25.00 | 7/31/2009 2:51:11 PM |
| PaulW | $25.00 | $25.00 | 7/31/2009 5:18:48 PM |
| slartibardfast | $30.00 | $30.00 | 7/31/2009 5:35:25 PM |
| 52digital | $25.00 | $25.00 | 7/31/2009 6:55:25 PM |
| Westerly | $44.34 | $44.34 | 7/31/2009 6:55:38 PM |
| salala | $25.00 | $25.00 | 7/31/2009 9:40:18 PM |
| Jassi | $27.71 | $27.71 | 7/31/2009 10:50:21 PM |
| Kijib | $25.00 | $25.00 | 8/1/2009 1:06:28 PM |
| maga | $50.00 | $50.00 | 8/2/2009 10:26:21 AM |
| unadilla | $25.00 | $25.00 | 8/2/2009 9:31:12 AM |
| kulender | $50.00 | $50.00 | 8/3/2009 6:41:29 AM |
| matthewrburk | $150.00 | $150.00 | 8/3/2009 11:29:38 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 8/3/2009 1:04:56 PM |
| flshdaskll | $25.00 | $25.00 | 8/3/2009 7:51:52 PM |
| tenchi2777 | $25.00 | $25.00 | 8/4/2009 9:03:17 AM |
| Feyenoord | $100.00 | $100.00 | 8/4/2009 3:00:53 PM |
| ColoradoLender82 | $25.00 | $25.00 | 8/4/2009 2:25:52 PM |
| investment-cluster | $25.00 | $25.00 | 8/4/2009 2:34:47 PM |
| 138 bids
|
Borrower Payment Dependent Notes Series
417449
This series of Notes was issued and sold upon the funding of the borrower loan #38202, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-21-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Aug-04-2009 |
|
|
Starting lender yield:
| 10.52% |
Starting borrower rate/APR:
| 11.52% / 13.65% |
Starting monthly payment:
| $494.78 |
|
Final lender yield:
| 10.52% |
Final borrower rate/APR:
| 11.52% / 13.65% |
Final monthly payment:
| $494.78 |
| |
|
Auction yield range:
| 3.23% - 10.52% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.01% | | |
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:
| May-1997 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 17 | Length of status: | 15y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $119 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 1% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 8 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| idfnl |
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:
| 16 ( 100% )
| 800-820 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 740-760
(Dec-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Adding a New Room to Our Home
Purpose of loan:
This loan will be used to partially fund adding a room to our house. We have already hired an architect, drawn up plans and have a builder ready to go. At the moment we are getting our permits together.
My financial situation:
I am a good candidate for this loan because I earn a good income, with a very stable job as a software engineer as well as own a side business.
My side business earns me between 2 and $4,000 a month, I have already purchased stock in the product I sell worth well over $100k when its all sold..
As you can see, I have a verified bank account and have verified home ownership. This is my second Prosper loan, I paid my other loan off in about 1/2 of its term.
Note: the 'now delinquent' item is a remnant of a recent dispute that was not valid and is 100% paid. The past delinquencies are quite old and were in part because I was not in the country for 5 years and not aware of them and also due to some past irresponsibility on my part. I've had an excellent track record for payments over the last 3 years and will have no problem at all making these payments.
My monthly expenses are about 50% of my income (including a contribution to an IRA), the remainder goes towards paying down the principal on my house and also the principle on a recent car loan. My wife will pay for the other half of the addition, I will pay some in cash I have on hand and the rest will hopefully be funded thru Prosper..
Note: this is my second Prosper loan, the last loan was paid off in 16 months!!
I currently have 40+ loans I am funding, I would consider myself a VERY safe investment. Feel free to ask any questions.
Thank you for the 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
Q:
If you are lending at Prosper, why are you borrowing so much at the same time and same institution? Thanks - order-prospector
A:
Hi, thanks for the question. As a lender, the money I have invested in Prosper is tied up in loans so its not available to use for building this addition on our house. Many lenders also borrow. I intend to pay down this loan from the returns on the loans I am invested in as well as the regular payments. Being a lender, I understand 100% the other side of the coin and promise everyone a full repayment. I have my own cash to invest in this project, but need to suppliment it with this loan.
(Jul-31-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| RSV | $25.00 | $25.00 | 7/21/2009 4:11:50 PM |
| brother_tam | $100.00 | $100.00 | 7/21/2009 7:47:28 PM |
| SKAGIT22 | $25.00 | $25.00 | 7/22/2009 7:14:27 AM |
| adhawan325 | $62.57 | $62.57 | 7/24/2009 7:31:02 AM |
| CommerciaLender | $25.00 | $25.00 | 7/24/2009 2:10:27 PM |
| unger | $350.00 | $350.00 | 7/24/2009 10:51:48 PM |
| Niffler | $50.00 | $50.00 | 7/25/2009 11:09:58 AM |
| dgerts | $100.00 | $100.00 | 7/27/2009 8:34:39 AM |
| julijask | $25.00 | $25.00 | 7/27/2009 12:08:35 PM |
| AsianDragon | $75.00 | $75.00 | 7/28/2009 11:35:09 AM |
| SafeSaxa | $25.00 | $25.00 | 7/28/2009 5:33:57 PM |
| investorrr | $25.00 | $25.00 | 7/28/2009 11:26:40 PM |
| buffalopartners | $100.00 | $100.00 | 7/28/2009 10:42:12 PM |
| eureka117 | $50.00 | $50.00 | 7/29/2009 9:48:59 AM |
| JGuide | $43.97 | $43.97 | 7/29/2009 10:27:33 AM |
| nimble-revenue | $75.00 | $75.00 | 7/29/2009 9:31:39 AM |
| mathgod | $25.00 | $25.00 | 7/29/2009 3:49:33 PM |
| powerful-compassion | $100.00 | $100.00 | 7/30/2009 7:47:02 AM |
| Sentosa | $104.61 | $104.61 | 7/30/2009 8:50:54 AM |
| vloans | $50.00 | $50.00 | 7/30/2009 7:27:22 AM |
| houli123 | $25.00 | $25.00 | 7/30/2009 3:10:17 PM |
| briggsy4 | $25.00 | $25.00 | 7/30/2009 3:27:15 PM |
| CallMeBen | $25.00 | $25.00 | 7/30/2009 7:56:55 PM |
| ach | $100.00 | $100.00 | 7/30/2009 8:32:43 PM |
| Johnab | $50.00 | $50.00 | 7/30/2009 4:18:42 PM |
| SanJoser | $100.00 | $100.00 | 7/31/2009 8:26:30 AM |
| SafeSaxa | $150.00 | $150.00 | 7/31/2009 8:20:09 AM |
| epch | $100.00 | $100.00 | 7/31/2009 10:36:03 AM |
| stockpicker_jboy | $25.00 | $25.00 | 7/31/2009 11:06:59 AM |
| alex206 | $25.00 | $25.00 | 7/31/2009 3:36:56 PM |
| MJFinancial | $50.00 | $50.00 | 7/31/2009 4:56:10 PM |
| paramjit | $100.00 | $100.00 | 7/31/2009 10:18:52 PM |
| Moneypenny6 | $25.00 | $25.00 | 8/1/2009 9:50:00 AM |
| Ocean713 | $5,000.00 | $5,000.00 | 8/1/2009 4:58:38 PM |
| GrayStudio | $50.00 | $50.00 | 8/1/2009 5:00:18 PM |
| KHU2-B | $25.00 | $25.00 | 8/1/2009 11:41:10 PM |
| UESbank | $50.00 | $50.00 | 8/2/2009 1:35:29 AM |
| Spring342 | $50.00 | $50.00 | 8/2/2009 8:15:50 AM |
| mhammond | $50.00 | $50.00 | 8/2/2009 11:11:39 AM |
| skorpious | $50.00 | $50.00 | 8/2/2009 10:23:12 AM |
| Jarock5 | $50.00 | $50.00 | 8/2/2009 6:03:01 PM |
| GRI | $100.00 | $100.00 | 8/2/2009 7:53:41 PM |
| EretzCapital | $54.69 | $54.69 | 8/2/2009 8:30:21 PM |
| M_V | $50.00 | $50.00 | 8/2/2009 8:51:32 PM |
| 1traveler | $50.00 | $50.00 | 8/3/2009 12:47:10 AM |
| AlBRich | $25.00 | $25.00 | 8/2/2009 11:01:35 PM |
| kazdag | $41.27 | $41.27 | 8/3/2009 6:15:06 AM |
| FecundFinancier | $25.00 | $25.00 | 8/3/2009 6:22:22 AM |
| econgineer | $100.00 | $100.00 | 8/3/2009 8:14:41 AM |
| Feyenoord | $25.00 | $25.00 | 8/3/2009 1:25:42 PM |
| Feyenoord | $75.00 | $75.00 | 8/3/2009 2:06:03 PM |
| gothampark | $50.00 | $50.00 | 8/3/2009 5:10:31 PM |
| BBL | $100.00 | $100.00 | 8/3/2009 5:18:34 PM |
| browneyegravy | $25.00 | $25.00 | 8/3/2009 5:42:23 PM |
| unger | $150.00 | $150.00 | 8/3/2009 7:41:49 PM |
| Easystreet | $25.00 | $25.00 | 8/3/2009 7:08:50 PM |
| JerryB96 | $25.00 | $25.00 | 8/3/2009 8:42:20 PM |
| black_adder2003 | $50.00 | $50.00 | 8/3/2009 9:27:54 PM |
| lanlie | $487.46 | $487.46 | 8/4/2009 5:08:13 AM |
| PleaseNoDefaults | $25.00 | $25.00 | 8/3/2009 10:03:32 PM |
| gotigers1972 | $50.00 | $50.00 | 8/4/2009 12:12:03 AM |
| junes08 | $41.21 | $41.21 | 8/4/2009 7:48:25 AM |
| AY_RY | $25.00 | $25.00 | 8/4/2009 5:04:23 AM |
| Brklyn01 | $50.00 | $50.00 | 8/4/2009 8:37:39 AM |
| ArtLends | $50.00 | $50.00 | 8/4/2009 6:04:42 AM |
| delmo | $59.23 | $59.23 | 8/4/2009 8:26:06 AM |
| mrmojado | $25.00 | $25.00 | 8/4/2009 6:18:54 AM |
| leprechaun92 | $26.35 | $26.35 | 8/4/2009 8:40:13 AM |
| Phantom99 | $74.00 | $74.00 | 8/4/2009 7:23:08 AM |
| GrossBuddha | $50.00 | $50.00 | 8/4/2009 10:01:12 AM |
| amlu1988 | $50.00 | $50.00 | 8/4/2009 8:14:14 AM |
| nduli | $50.00 | $50.00 | 8/4/2009 11:53:57 AM |
| minista | $25.00 | $25.00 | 8/4/2009 12:16:02 PM |
| Airbandit | $25.00 | $25.00 | 8/4/2009 10:21:31 AM |
| Catalina_Enterprises | $147.90 | $147.90 | 8/4/2009 10:37:18 AM |
| Au-Ag-Pt | $25.00 | $25.00 | 8/4/2009 1:40:19 PM |
| bstlndlrd207 | $100.00 | $100.00 | 8/4/2009 1:58:21 PM |
| ColoradoLender82 | $25.00 | $25.00 | 8/4/2009 2:23:00 PM |
| funtwosay | $25.00 | $25.00 | 8/4/2009 12:36:44 PM |
| note-pursuit | $25.00 | $25.00 | 8/4/2009 1:21:00 PM |
| scloans | $28.30 | $28.30 | 8/4/2009 1:55:54 PM |
| Engineer44 | $25.00 | $25.00 | 8/4/2009 4:01:17 PM |
| a8h8a8 | $25.00 | $25.00 | 7/21/2009 4:07:28 PM |
| clkventures | $50.00 | $50.00 | 7/21/2009 6:30:39 PM |
| Rivermaverick | $60.00 | $60.00 | 7/22/2009 8:30:59 AM |
| ExcellentGreen | $25.00 | $25.00 | 7/22/2009 7:46:45 AM |
| vegibenz | $25.00 | $25.00 | 7/22/2009 12:08:29 PM |
| YoungTaxMan | $25.00 | $25.00 | 7/23/2009 4:01:39 AM |
| DeltaComputerGuy | $25.00 | $25.00 | 7/24/2009 8:06:59 AM |
| Discinc | $100.00 | $100.00 | 7/24/2009 1:35:15 PM |
| otalon | $60.00 | $60.00 | 7/24/2009 2:33:51 PM |
| availableloan | $25.00 | $25.00 | 7/24/2009 5:46:43 PM |
| MidnightBank | $25.00 | $25.00 | 7/24/2009 5:11:46 PM |
| aesop | $25.00 | $25.00 | 7/24/2009 10:02:07 PM |
| dextro | $50.00 | $50.00 | 7/25/2009 11:20:52 AM |
| mercuriant | $25.00 | $25.00 | 7/25/2009 10:59:33 AM |
| DukSerduk | $25.00 | $25.00 | 7/26/2009 9:59:41 AM |
| Syzygy | $50.00 | $50.00 | 7/26/2009 6:59:57 PM |
| lepolgr | $50.00 | $50.00 | 7/27/2009 1:16:11 PM |
| 108lender | $250.00 | $250.00 | 7/28/2009 10:07:07 AM |
| albatross897 | $25.00 | $25.00 | 7/28/2009 8:06:52 PM |
| JGuide | $100.00 | $100.00 | 7/29/2009 10:26:56 AM |
| engbusres | $50.00 | $50.00 | 7/30/2009 5:58:57 AM |
| beerfool | $25.00 | $25.00 | 7/30/2009 10:58:06 AM |
| kinetic-truth | $25.00 | $25.00 | 7/30/2009 9:31:45 AM |
| rsd4444 | $25.00 | $25.00 | 7/30/2009 3:38:16 PM |
| credit-sanctuary630 | $65.41 | $65.41 | 7/30/2009 5:13:46 PM |
| world10000 | $250.00 | $250.00 | 7/30/2009 8:22:50 PM |
| BankofPaul | $50.00 | $50.00 | 7/31/2009 6:01:24 AM |
| curious166 | $50.00 | $50.00 | 7/31/2009 6:22:21 AM |
| MrUSC | $28.11 | $28.11 | 7/31/2009 11:43:04 AM |
| jono9999 | $250.00 | $250.00 | 7/31/2009 11:26:33 AM |
| ccdirectt | $100.00 | $100.00 | 8/1/2009 6:04:34 AM |
| bkb7484 | $50.00 | $50.00 | 8/2/2009 3:41:40 AM |
| myduck | $100.00 | $100.00 | 8/2/2009 6:40:49 AM |
| sisepuede | $25.00 | $25.00 | 8/2/2009 7:56:13 AM |
| maga | $100.00 | $100.00 | 8/2/2009 10:29:59 AM |
| I_Break_Thumbs | $200.00 | $200.00 | 8/2/2009 7:05:40 PM |
| ChicagoFlyer | $100.00 | $100.00 | 8/2/2009 8:57:34 PM |
| JebkaClan | $132.06 | $132.06 | 8/3/2009 9:19:11 AM |
| OoM | $50.00 | $50.00 | 8/3/2009 9:08:20 AM |
| bossyboots01 | $25.00 | $25.00 | 8/3/2009 11:28:43 AM |
| techexec | $25.00 | $25.00 | 8/3/2009 11:31:46 AM |
| pinnacle10 | $50.00 | $50.00 | 8/3/2009 12:28:42 PM |
| Cherrypicker | $50.00 | $50.00 | 8/3/2009 5:37:32 PM |
| feedpaulyfaster | $25.00 | $25.00 | 8/3/2009 6:02:25 PM |
| Nickel8 | $25.00 | $25.00 | 8/3/2009 9:51:04 PM |
| carlitos77 | $100.00 | $100.00 | 8/3/2009 9:58:13 PM |
| clkventures | $50.00 | $50.00 | 8/3/2009 8:11:41 PM |
| gain-dolphin | $57.33 | $57.33 | 8/3/2009 7:30:41 PM |
| peb44 | $25.00 | $25.00 | 8/3/2009 7:36:38 PM |
| Hexnut | $50.00 | $50.00 | 8/3/2009 9:20:26 PM |
| OzGuy609 | $25.00 | $25.00 | 8/4/2009 6:22:03 AM |
| GTAlum486 | $25.00 | $25.00 | 8/3/2009 10:08:52 PM |
| WeshaTheLeopard | $25.00 | $25.00 | 8/3/2009 11:22:11 PM |
| chibear34 | $25.00 | $25.00 | 8/4/2009 3:36:08 AM |
| bouvierchamp | $25.29 | $25.29 | 8/4/2009 10:35:27 AM |
| Int_PrinRateTime4000 | $40.00 | $40.00 | 8/4/2009 10:37:56 AM |
| Irishman81 | $25.00 | $25.00 | 8/4/2009 7:10:46 AM |
| WeR5A | $50.00 | $50.00 | 8/4/2009 9:29:52 AM |
| AlBRich | $25.00 | $25.00 | 8/4/2009 7:40:03 AM |
| maga | $495.00 | $495.00 | 8/4/2009 11:18:46 AM |
| GoodiesWarehouse | $50.00 | $50.00 | 8/4/2009 8:27:12 AM |
| HolJenks | $60.00 | $60.00 | 8/4/2009 8:34:48 AM |
| SkipMcGrath | $50.00 | $50.00 | 8/4/2009 9:05:15 AM |
| top-radiant-funds | $500.00 | $422.78 | 8/4/2009 9:27:52 AM |
| Bizern | $25.00 | $25.00 | 8/4/2009 10:41:53 AM |
| money-expert | $50.00 | $50.00 | 8/4/2009 1:36:55 PM |
| Spring342 | $50.00 | $50.00 | 8/4/2009 1:13:03 PM |
| planky | $50.00 | $50.00 | 8/4/2009 1:29:17 PM |
| encore02 | $100.00 | $100.00 | 8/4/2009 2:42:59 PM |
| myrddraal | $25.00 | $25.00 | 8/4/2009 1:41:35 PM |
| manny00 | $107.46 | $107.46 | 8/4/2009 4:04:45 PM |
| 153 bids
|
Borrower Payment Dependent Notes Series
417549
This series of Notes was issued and sold upon the funding of the borrower loan #38183, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-22-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-05-2009 |
|
|
Starting lender yield:
| 9.42% |
Starting borrower rate/APR:
| 10.42% / 12.53% |
Starting monthly payment:
| $97.39 |
|
Final lender yield:
| 8.25% |
Final borrower rate/APR:
| 9.25% / 11.35% |
Final monthly payment:
| $95.75 |
| |
|
Auction yield range:
| 4.23% - 9.42% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.13% | | |
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:
| Apr-2002 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 11
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 6y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $37,882 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 84% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| efficient-fairness |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Good Bye Debt!
Hello,
I have great credit. I own two properties. I have never been late on any credit card payments but that has not prevented credit card companies to raise my rates or close my accounts. This loan would help me payoff a high interest credit card.
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) |
|
| dudebrah | $25.00 | $25.00 | 7/27/2009 4:40:34 PM |
| Int_PrinRateTime4000 | $40.00 | $40.00 | 7/28/2009 6:03:59 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/29/2009 6:39:01 AM |
| Snoopylover | $25.00 | $25.00 | 7/30/2009 1:37:48 PM |
| memoe | $25.00 | $25.00 | 7/31/2009 12:25:22 PM |
| khamen | $25.00 | $25.00 | 7/31/2009 2:57:50 PM |
| NoNameLender | $50.00 | $50.00 | 7/31/2009 5:22:27 PM |
| seineil | $50.00 | $50.00 | 8/4/2009 3:02:32 AM |
| Brklyn01 | $50.00 | $50.00 | 8/4/2009 8:42:06 AM |
| shag2 | $50.00 | $50.00 | 8/4/2009 10:44:53 AM |
| kf88 | $50.00 | $50.00 | 8/4/2009 1:07:27 PM |
| SS123 | $50.00 | $50.00 | 8/4/2009 4:37:14 PM |
| colorfulgardener | $50.00 | $50.00 | 8/4/2009 5:02:14 PM |
| dhallii | $44.00 | $44.00 | 8/4/2009 5:46:09 PM |
| carmat60 | $25.00 | $25.00 | 8/4/2009 5:12:40 PM |
| maga | $85.00 | $85.00 | 8/4/2009 6:44:56 PM |
| credithelper | $25.00 | $25.00 | 8/4/2009 6:36:58 PM |
| sperk50286 | $43.00 | $43.00 | 8/4/2009 7:19:49 PM |
| qkinger | $50.00 | $50.00 | 8/4/2009 6:13:07 PM |
| PrepWonder | $50.00 | $50.00 | 8/4/2009 9:31:51 PM |
| Cliffie83 | $100.00 | $100.00 | 8/4/2009 8:56:11 PM |
| BankofPaul | $100.00 | $100.00 | 8/5/2009 6:09:29 AM |
| nasdaq87 | $50.00 | $50.00 | 8/5/2009 7:30:01 AM |
| albertoeba | $33.01 | $33.01 | 8/4/2009 10:04:23 PM |
| OIF-Veteran | $25.00 | $25.00 | 8/5/2009 8:22:18 AM |
| OoM | $25.00 | $25.00 | 8/5/2009 9:24:43 AM |
| sfd | $50.00 | $50.00 | 8/5/2009 9:39:06 AM |
| tnylight | $75.00 | $75.00 | 8/5/2009 11:30:13 AM |
| MtOlympus | $25.00 | $25.00 | 8/5/2009 12:07:32 PM |
| mtb06 | $25.00 | $25.00 | 8/5/2009 9:16:04 AM |
| dextro | $28.00 | $28.00 | 8/5/2009 2:24:35 PM |
| Nyarpy | $25.00 | $25.00 | 8/5/2009 10:11:18 AM |
| stemper | $50.00 | $50.00 | 8/5/2009 12:42:22 PM |
| Earn_money | $26.77 | $26.77 | 8/5/2009 2:31:34 PM |
| biffmush | $300.00 | $293.20 | 8/5/2009 3:50:12 PM |
| jehopper5 | $25.00 | $25.00 | 7/23/2009 10:11:34 AM |
| outofoffice | $50.00 | $50.00 | 7/24/2009 9:17:23 AM |
| dpries123 | $25.00 | $25.00 | 7/29/2009 6:37:17 AM |
| CornerKetch | $25.00 | $25.00 | 7/30/2009 9:32:34 AM |
| rockymtbob | $50.00 | $50.00 | 7/30/2009 7:40:25 PM |
| Kerensky | $50.00 | $50.00 | 7/30/2009 10:11:43 PM |
| plbquic | $50.00 | $50.00 | 7/31/2009 1:24:01 PM |
| UCSBGAUCHOS | $25.00 | $25.00 | 8/2/2009 8:46:49 AM |
| kulender | $50.00 | $50.00 | 8/3/2009 6:42:22 AM |
| Erikdbp | $25.00 | $25.00 | 8/3/2009 5:35:58 PM |
| tenchi2777 | $25.00 | $25.00 | 8/3/2009 5:53:44 PM |
| UCSBGAUCHOS | $25.00 | $25.00 | 8/4/2009 7:10:24 AM |
| e3oM | $50.00 | $50.00 | 8/4/2009 12:07:15 PM |
| slxvq | $48.41 | $48.41 | 8/4/2009 2:25:39 PM |
| RandyL3 | $25.00 | $25.00 | 8/4/2009 4:09:03 PM |
| MapleLaker | $50.00 | $50.00 | 8/4/2009 5:11:04 PM |
| shellstar | $27.61 | $27.61 | 8/4/2009 8:17:12 PM |
| bonFire8 | $25.00 | $25.00 | 8/4/2009 8:12:00 PM |
| engbusres | $56.00 | $56.00 | 8/4/2009 9:17:35 PM |
| bricklayer8 | $50.00 | $50.00 | 8/5/2009 12:47:08 AM |
| bossyboots01 | $50.00 | $50.00 | 8/5/2009 3:48:36 AM |
| clkventures | $125.00 | $125.00 | 8/5/2009 5:18:29 AM |
| shamil45 | $25.00 | $25.00 | 8/5/2009 7:36:03 AM |
| mchoops21 | $25.00 | $25.00 | 8/5/2009 2:18:54 AM |
| bass | $25.00 | $25.00 | 8/5/2009 5:53:15 AM |
| CaliforniaSun | $50.00 | $50.00 | 8/5/2009 9:12:16 AM |
| ehvertherman | $50.00 | $50.00 | 8/5/2009 9:16:13 AM |
| colorunner | $25.00 | $25.00 | 8/5/2009 1:09:50 PM |
| availableloan | $25.00 | $25.00 | 8/5/2009 12:58:35 PM |
| congardner1 | $25.00 | $25.00 | 8/5/2009 3:03:24 PM |
| Nasdaq | $50.00 | $50.00 | 8/5/2009 3:51:28 PM |
| 66 bids
|
Borrower Payment Dependent Notes Series
417839
This series of Notes was issued and sold upon the funding of the borrower loan #38180, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-23-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-06-2009 |
|
|
Starting lender yield:
| 19.05% |
Starting borrower rate/APR:
| 20.05% / 22.29% |
Starting monthly payment:
| $223.13 |
|
Final lender yield:
| 17.00% |
Final borrower rate/APR:
| 18.00% / 20.21% |
Final monthly payment:
| $216.91 |
| |
|
Auction yield range:
| 8.23% - 19.05% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 17
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 53 | Length of status: | 9y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $9,442 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 71% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 28 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| worth-revelry |
Borrower's state:
| Louisiana |
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 3 Credit Card Bills
Purpose of loan:
This loan will be used to pay off 3 credit card bills. I am trying to pay down all of my credit cards and only use credit cards when I am able to pay the balance in full each month.
My financial situation:
I am a good candidate for this loan because in the last few months, I have paid off my house (yes, I do not have a mortgage or rent). And I am now working to pay off other debts. Currently the only credit card that is being used, and I pay it off in full each month is a credit card my daughter uses for gas, etc. It only has a $500 limit.
Monthly net income: $ 3,700
Monthly expenses: $2900
Housing: $ 0 (my house is owned free and clear)
Insurance: $ 300
Car expenses: $ 500
Utilities: $ 300
Phone, cable, internet: $ 100
Food, entertainment: $ 500
Clothing, household expenses $ 100
Credit cards and other loans: $ 600
Other expenses: $ 500
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 7/23/2009 4:00:40 PM |
| Trojan1976 | $25.00 | $25.00 | 7/23/2009 4:00:50 PM |
| mrzz | $25.00 | $25.00 | 7/23/2009 4:01:02 PM |
| TennSquire | $25.00 | $25.00 | 7/23/2009 4:01:07 PM |
| don8ter | $25.00 | $25.00 | 7/23/2009 4:01:30 PM |
| nodrivelpls | $25.00 | $25.00 | 7/23/2009 3:59:48 PM |
| unclejaef | $25.00 | $25.00 | 7/23/2009 4:04:26 PM |
| jbarron | $25.00 | $25.00 | 7/23/2009 3:59:55 PM |
| figs4u2 | $200.00 | $200.00 | 7/23/2009 4:00:22 PM |
| mydreamsagain | $25.00 | $25.00 | 7/23/2009 4:04:53 PM |
| 888168 | $25.00 | $25.00 | 7/23/2009 4:00:30 PM |
| ualf | $50.00 | $50.00 | 7/23/2009 4:00:35 PM |
| 108lender | $75.00 | $75.00 | 7/23/2009 4:05:44 PM |
| GElender | $50.00 | $50.00 | 7/23/2009 4:01:13 PM |
| beyondmanagement | $25.00 | $25.00 | 7/23/2009 4:01:17 PM |
| theRabbi | $25.00 | $25.00 | 7/23/2009 4:06:18 PM |
| lagnisiruk | $25.00 | $25.00 | 7/23/2009 4:01:58 PM |
| kegs | $250.00 | $250.00 | 7/23/2009 4:02:08 PM |
| fareast_man | $25.00 | $25.00 | 7/23/2009 4:07:24 PM |
| kyxysyx | $50.00 | $50.00 | 7/23/2009 4:02:58 PM |
| GMPK_TLAS | $45.00 | $45.00 | 7/23/2009 4:02:21 PM |
| Aquani | $50.00 | $50.00 | 7/23/2009 4:03:39 PM |
| wwwUniversal | $25.00 | $25.00 | 7/23/2009 4:03:23 PM |
| Aquafina24Ounce | $25.00 | $25.00 | 7/23/2009 4:03:53 PM |
| FeedTheMachine | $50.00 | $50.00 | 7/23/2009 4:04:09 PM |
| mmckune | $25.00 | $25.00 | 7/23/2009 4:04:13 PM |
| leftcoast52 | $25.00 | $25.00 | 7/23/2009 4:04:42 PM |
| SNH | $25.00 | $25.00 | 7/23/2009 4:07:00 PM |
| draggon77 | $25.00 | $25.00 | 7/23/2009 4:07:03 PM |
| hopethisworks | $50.00 | $50.00 | 7/23/2009 4:13:42 PM |
| the-profit-oracle | $25.00 | $25.00 | 7/23/2009 8:16:50 PM |
| RusRobo | $25.00 | $25.00 | 7/23/2009 9:37:01 PM |
| DadWarbucks | $50.00 | $50.00 | 7/24/2009 8:36:41 AM |
| kaykarun | $25.00 | $25.00 | 7/24/2009 10:12:02 AM |
| sloan | $25.00 | $25.00 | 7/24/2009 5:09:29 PM |
| jldallover | $25.00 | $25.00 | 7/24/2009 9:51:46 PM |
| gizzywump | $25.00 | $25.00 | 7/25/2009 2:01:52 PM |
| NATIVEBORN | $32.53 | $32.53 | 7/25/2009 4:21:34 PM |
| ah-long | $25.00 | $25.00 | 7/25/2009 6:16:36 PM |
| lcole32 | $25.00 | $25.00 | 7/26/2009 9:01:36 AM |
| Aviking | $35.89 | $35.89 | 7/26/2009 6:01:36 PM |
| Panitza | $26.49 | $26.49 | 7/27/2009 7:27:32 AM |
| seisen | $50.00 | $50.00 | 7/27/2009 9:33:32 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:52:42 AM |
| member874 | $25.00 | $25.00 | 7/27/2009 12:18:17 PM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 2:12:09 PM |
| aFro | $25.00 | $25.00 | 7/27/2009 3:46:58 PM |
| p2ploan-battalion509 | $50.00 | $50.00 | 7/27/2009 3:46:57 PM |
| Tavita | $25.00 | $25.00 | 7/27/2009 5:22:30 PM |
| bigdogsafety1 | $50.00 | $50.00 | 7/27/2009 5:22:14 PM |
| Cre8iveCash | $25.00 | $25.00 | 7/27/2009 5:17:15 PM |
| Carpetkid | $25.00 | $25.00 | 7/27/2009 5:17:33 PM |
| ohnezweck | $25.00 | $25.00 | 7/27/2009 5:22:06 PM |
| zigzagz03 | $25.00 | $25.00 | 7/27/2009 11:51:46 PM |
| geemel | $25.00 | $25.00 | 7/28/2009 10:38:26 AM |
| salala | $25.00 | $25.00 | 7/28/2009 10:12:22 AM |
| oldmora | $25.00 | $25.00 | 7/28/2009 11:52:16 AM |
| xphile | $25.00 | $25.00 | 7/28/2009 11:51:50 AM |
| Madron | $50.00 | $50.00 | 7/28/2009 2:14:43 PM |
| cyberie21 | $40.00 | $33.07 | 7/28/2009 4:31:35 PM |
| stonehillloans | $25.00 | $25.00 | 7/29/2009 4:35:16 AM |
| velocity-nucleus | $25.00 | $25.00 | 7/29/2009 12:20:46 PM |
| EretzCapital | $100.00 | $100.00 | 8/4/2009 11:36:48 PM |
| zapquoc | $25.00 | $25.00 | 8/5/2009 5:24:50 PM |
| Chillito | $75.00 | $75.00 | 8/5/2009 10:34:38 PM |
| amlu1988 | $50.00 | $50.00 | 8/6/2009 7:15:36 AM |
| Leshan | $50.00 | $50.00 | 8/6/2009 7:29:36 AM |
| Cerbie | $50.00 | $50.00 | 8/5/2009 11:14:40 PM |
| bigb7 | $70.00 | $70.00 | 8/6/2009 10:59:53 AM |
| Molson Bank & Trust | $50.00 | $50.00 | 8/6/2009 9:54:25 AM |
| dpjd | $50.00 | $50.00 | 8/6/2009 12:25:26 PM |
| daekpon | $50.00 | $50.00 | 8/6/2009 1:23:52 PM |
| Josta | $50.00 | $50.00 | 7/23/2009 4:01:37 PM |
| gilbow | $25.00 | $25.00 | 7/23/2009 4:01:41 PM |
| zaxsan | $25.00 | $25.00 | 7/23/2009 4:03:18 PM |
| skibum65 | $50.00 | $50.00 | 7/23/2009 4:03:50 PM |
| TrustinOthers | $25.00 | $25.00 | 7/23/2009 4:04:07 PM |
| larrybird | $250.00 | $250.00 | 7/23/2009 4:04:57 PM |
| incbx | $50.00 | $50.00 | 7/23/2009 4:05:01 PM |
| Weaverville | $75.00 | $75.00 | 7/23/2009 4:01:10 PM |
| YogaDude34 | $25.00 | $25.00 | 7/23/2009 4:05:48 PM |
| anton | $25.00 | $25.00 | 7/23/2009 4:02:02 PM |
| ribbles | $50.00 | $50.00 | 7/23/2009 4:02:24 PM |
| PHI4308 | $25.00 | $25.00 | 7/23/2009 4:02:30 PM |
| money2k | $25.00 | $25.00 | 7/23/2009 4:02:12 PM |
| keeks | $25.00 | $25.00 | 7/23/2009 4:02:49 PM |
| Champpilot | $50.00 | $50.00 | 7/23/2009 4:02:17 PM |
| puifais | $25.00 | $25.00 | 7/23/2009 4:03:01 PM |
| Ryman81580 | $25.00 | $25.00 | 7/23/2009 4:03:36 PM |
| moopi | $25.00 | $25.00 | 7/23/2009 4:03:34 PM |
| zeelender | $25.00 | $25.00 | 7/23/2009 4:03:43 PM |
| money-expert | $50.00 | $50.00 | 7/23/2009 4:04:28 PM |
| sail120 | $25.00 | $25.00 | 7/23/2009 4:05:55 PM |
| bulabula | $25.00 | $25.00 | 7/23/2009 4:06:09 PM |
| tlp43 | $25.00 | $25.00 | 7/23/2009 4:13:04 PM |
| rmachi | $25.00 | $25.00 | 7/23/2009 4:13:16 PM |
| pbo922 | $25.00 | $25.00 | 7/24/2009 9:19:26 AM |
| spike16 | $25.00 | $25.00 | 7/24/2009 9:18:13 AM |
| rjleves | $25.00 | $25.00 | 7/24/2009 10:18:21 AM |
| zrohmm | $25.00 | $25.00 | 7/24/2009 2:22:11 PM |
| nicklds | $25.00 | $25.00 | 7/24/2009 2:26:51 PM |
| DER | $96.78 | $96.78 | 7/25/2009 7:42:30 AM |
| 52digital | $25.00 | $25.00 | 7/25/2009 3:47:43 PM |
| mtp | $50.00 | $50.00 | 7/25/2009 4:21:51 PM |
| jstefans | $25.00 | $25.00 | 7/25/2009 9:02:20 PM |
| Tauri | $25.00 | $25.00 | 7/25/2009 9:06:57 PM |
| mdf | $33.00 | $33.00 | 7/25/2009 6:06:55 PM |
| fortytwo | $70.00 | $70.00 | 7/25/2009 9:11:45 PM |
| greenwell | $25.00 | $25.00 | 7/25/2009 11:11:57 PM |
| pensacolaborn | $25.00 | $25.00 | 7/26/2009 11:27:17 AM |
| theopposites | $25.00 | $25.00 | 7/26/2009 3:12:28 PM |
| MicroPod | $25.00 | $25.00 | 7/26/2009 5:42:23 PM |
| Penny | $50.00 | $50.00 | 7/26/2009 5:31:57 PM |
| ChuckChedda | $25.00 | $25.00 | 7/27/2009 2:14:08 AM |
| skiberdad | $35.77 | $35.77 | 7/27/2009 7:11:35 AM |
| fireboss | $100.00 | $100.00 | 7/27/2009 10:13:45 AM |
| tijuas90 | $25.00 | $25.00 | 7/27/2009 10:13:52 AM |
| vkm2000 | $25.00 | $25.00 | 7/27/2009 10:16:59 AM |
| Sixmil | $25.00 | $25.00 | 7/27/2009 11:23:33 AM |
| maverickfella | $25.00 | $25.00 | 7/27/2009 11:38:10 AM |
| wings2fly | $25.00 | $25.00 | 7/27/2009 11:31:43 AM |
| aader | $25.00 | $25.00 | 7/27/2009 3:46:59 PM |
| loiosh | $25.00 | $25.00 | 7/27/2009 5:22:10 PM |
| pksfunds | $50.00 | $50.00 | 7/27/2009 5:22:22 PM |
| thedreamer | $25.00 | $25.00 | 7/27/2009 6:17:01 PM |
| Quetz | $25.00 | $25.00 | 7/27/2009 5:21:53 PM |
| Westsider | $25.00 | $25.00 | 7/27/2009 5:21:57 PM |
| LordKinbote | $25.00 | $25.00 | 7/27/2009 8:06:39 PM |
| apetrock | $50.00 | $50.00 | 7/27/2009 5:22:25 PM |
| plentiful-reward | $25.00 | $25.00 | 7/27/2009 9:41:45 PM |
| jecm27 | $25.00 | $25.00 | 7/28/2009 6:11:50 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:16:44 AM |
| ibuystk | $50.00 | $50.00 | 7/28/2009 9:34:48 AM |
| funtwosay | $25.00 | $25.00 | 7/28/2009 11:52:08 AM |
| Microfinancer | $25.00 | $25.00 | 7/28/2009 12:01:38 PM |
| justinle | $25.00 | $25.00 | 7/28/2009 12:32:10 PM |
| grf1945 | $25.00 | $25.00 | 7/28/2009 11:43:45 AM |
| alverado | $30.57 | $30.57 | 7/28/2009 12:41:33 PM |
| decisive-capital | $50.00 | $50.00 | 7/28/2009 1:41:50 PM |
| cropdust3r | $25.00 | $25.00 | 7/28/2009 2:01:36 PM |
| peregrine | $26.73 | $26.73 | 7/29/2009 12:04:33 AM |
| VOID67 | $50.00 | $50.00 | 7/29/2009 1:57:51 PM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 9:14:47 AM |
| crenen139 | $100.00 | $100.00 | 7/30/2009 9:58:42 AM |
| ilend57 | $38.56 | $38.56 | 8/1/2009 6:49:14 AM |
| woodsider | $50.00 | $50.00 | 8/2/2009 7:44:56 PM |
| Makemony | $50.00 | $50.00 | 8/3/2009 3:50:55 PM |
| Feyenoord | $25.00 | $25.00 | 8/5/2009 8:52:33 PM |
| BuffetRocks | $50.00 | $50.00 | 8/5/2009 10:23:05 PM |
| hamster | $25.61 | $25.61 | 8/6/2009 6:38:01 AM |
| Smallbear | $50.00 | $50.00 | 8/6/2009 9:55:04 AM |
| JauaFlash | $25.00 | $25.00 | 8/6/2009 10:55:35 AM |
| rockymtbob | $50.00 | $50.00 | 8/6/2009 9:12:24 AM |
| FunkyBro | $25.00 | $25.00 | 8/6/2009 11:51:56 AM |
| transaction-circuit | $25.00 | $25.00 | 8/6/2009 3:15:24 PM |
| 155 bids
|
Borrower Payment Dependent Notes Series
417877
This series of Notes was issued and sold upon the funding of the borrower loan #38189, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-07-2009 |
|
|
Starting lender yield:
| 18.05% |
Starting borrower rate/APR:
| 19.05% / 22.81% |
Starting monthly payment:
| $36.68 |
|
Final lender yield:
| 16.00% |
Final borrower rate/APR:
| 17.00% / 20.72% |
Final monthly payment:
| $35.65 |
| |
|
Auction yield range:
| 8.23% - 18.05% |
Estimated loss impact:
| 6.86% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 23y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $25,340 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| bath5 |
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.
Description
Boost my ad campaign
Purpose of loan:
This loan will be used to?
Improve my business presence in the local community
My financial situation:
I am a good candidate for this loan because?
I value my integrity and work hard to pay my debts! Some health issues have set me back financially, as well as a 20% slowdown in business. Previously, I couldn't handle the amount of requests for my services; for the past year, things have steadily slowed to the point that I need to increase my advertising budget. .
Monthly net income: $
7,600
Monthly expenses: $
Housing: $ 3300
Insurance: $
275
Car expenses: $
285
Utilities: $
150
Phone, cable, internet: $
225
Food, entertainment: $
400
Clothing, household expenses $
175
Credit cards and other loans: $
350
Other expenses: $
250
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What kind of business do you operate? - dpjd
A:
I've operated an Holistic Healthcare clinic in Encinitas, CA.for the past 9yrs. My business model is somewhat like a salon model, in that I have created an umbrella- like business identity in the community, but each of the healthcare practitioners are independent and rent space in my 6-room clinic at a premium. This pays appro. 95% of my overhead, so I keep most of my personal income as a Holistic Health Practitioner (specializing in Massage Therapy.) bodytherapyarts.com- thx!
(Aug-06-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Loan_Stranger | $50.00 | $50.00 | 7/25/2009 5:07:35 PM |
| bondhedger | $25.00 | $25.00 | 7/27/2009 6:15:55 AM |
| Madron | $50.00 | $50.00 | 7/30/2009 4:16:48 PM |
| yitbos49 | $50.00 | $50.00 | 8/4/2009 11:41:55 PM |
| rockymtbob | $100.00 | $100.00 | 8/6/2009 5:10:24 PM |
| jresu537 | $50.00 | $50.00 | 8/6/2009 9:03:17 PM |
| SmallTown5 | $25.00 | $25.00 | 8/6/2009 11:18:51 PM |
| money-expert | $25.00 | $25.00 | 8/7/2009 4:41:20 AM |
| GODSWORDONIT | $44.44 | $44.44 | 8/7/2009 6:09:52 AM |
| Peacepower | $25.00 | $25.00 | 8/7/2009 6:39:33 AM |
| ColoradoLender82 | $25.00 | $25.00 | 8/7/2009 9:04:18 AM |
| Leshan | $50.00 | $50.00 | 8/7/2009 10:28:07 AM |
| realtormoises | $25.00 | $25.00 | 8/7/2009 2:06:36 PM |
| IPG1 | $50.00 | $50.00 | 7/28/2009 10:22:00 AM |
| rodaku | $25.00 | $25.00 | 8/4/2009 9:06:20 PM |
| uvumf | $58.78 | $58.78 | 8/6/2009 6:39:30 PM |
| I_want_to_help_you | $25.00 | $25.00 | 8/7/2009 12:10:19 AM |
| ayiticheri | $25.00 | $25.00 | 8/7/2009 3:37:01 AM |
| engbusres | $30.00 | $15.09 | 8/7/2009 7:57:29 AM |
| GreenHill | $72.04 | $72.04 | 8/7/2009 10:18:27 AM |
| calkidd05 | $25.00 | $25.00 | 8/7/2009 10:52:24 AM |
| bstlndlrd207 | $105.00 | $105.00 | 8/7/2009 2:55:01 PM |
| dudebrah | $25.00 | $25.00 | 8/7/2009 2:30:04 PM |
| mckhbnpc | $29.65 | $29.65 | 8/7/2009 3:55:30 PM |
| 24 bids
|
Borrower Payment Dependent Notes Series
418019
This series of Notes was issued and sold upon the funding of the borrower loan #38199, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-07-2009 |
|
|
Starting lender yield:
| 7.17% |
Starting borrower rate/APR:
| 8.17% / 10.25% |
Starting monthly payment:
| $125.66 |
|
Final lender yield:
| 6.15% |
Final borrower rate/APR:
| 7.15% / 9.22% |
Final monthly payment:
| $123.78 |
| |
|
Auction yield range:
| 3.23% - 7.17% |
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:
| Oct-1997 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 780-800 (Jul-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $149 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| adw74 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 780-800 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(Apr-2008)
|
|
Principal balance:
| $9,894.76 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Paying off back taxes
Purpose of loan:
To pay in full my 2008 property taxes, and some of the 2009 taxes
My financial situation:
I'm doing better than ever (thanks to my first prosper loan that paid off a ton of credit card debt!) But I've been behind on my property taxes since I got the house - I wasn't aware of how high they were at the time (I believe the previous owner was a senior, so they were locked down for her - but not me!) By the time I get enough to together to pay by back taxes for the previous year, I'm already well into the next year (and behind on those!) So I'd like to pay off my back taxes with a Prosper loan that I can pay off over three years (if not sooner) and then be able to get caught up on the current year's taxes.
I've never missed a payment on my first Prosper loan, and since then I've paid off my other credit card loans, so I'll have no problem making payments on this loan.
Monthly net income: $3200 (plus $500-$1,500 from "nights and weekends" work)
Monthly expenses: $ 2800
Housing: $
770
Insurance: $200 (car and house)
Car expenses: $
330
Utilities: $
100
Phone, cable, internet: $
100
Food, entertainment: $ 600 (incl. gas, food at work, etc)
Clothing, household expenses $
neg.
Credit cards and other loans: $ 500 (min. payments)
Other expenses: $
200 (back income taxes installment, min. payment)
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:
is the $500 in credit cards and other payment including the current prosper loan? - usd1027
A:
Yes. I have no credit card debt, I pay it in full every month.
(Jul-27-2009)
Q:
Your previous prosper loan is $500 per month? - usd1027
A:
Yes, I've had it about a year and a half now.
(Jul-27-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 7/24/2009 4:13:24 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/24/2009 4:12:26 PM |
| bchen78875 | $50.00 | $50.00 | 7/24/2009 4:15:05 PM |
| Avala | $25.00 | $25.00 | 7/24/2009 4:15:19 PM |
| RoyFauntleroy | $25.00 | $25.00 | 7/24/2009 4:15:23 PM |
| puifais | $25.00 | $25.00 | 7/24/2009 4:14:08 PM |
| sas19 | $25.00 | $25.00 | 7/24/2009 4:14:20 PM |
| tallcoolone | $25.00 | $25.00 | 7/24/2009 4:16:36 PM |
| Sid-K | $50.00 | $50.00 | 7/24/2009 4:14:30 PM |
| a-harmonious-deal | $25.00 | $25.00 | 7/24/2009 4:14:34 PM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 4:16:57 PM |
| unclejaef | $25.00 | $25.00 | 7/24/2009 4:14:40 PM |
| kegs | $250.00 | $250.00 | 7/24/2009 4:15:41 PM |
| totoro | $25.00 | $25.00 | 7/24/2009 4:16:11 PM |
| jamschmidt | $98.37 | $98.37 | 7/24/2009 10:11:50 PM |
| mtp | $50.00 | $50.00 | 7/26/2009 3:16:41 PM |
| bondhedger | $25.00 | $25.00 | 7/27/2009 6:20:56 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:52:25 AM |
| outofoffice | $43.06 | $43.06 | 7/28/2009 5:57:09 PM |
| MrDavid | $50.00 | $50.00 | 7/28/2009 6:47:33 PM |
| Theboof | $25.00 | $25.00 | 7/29/2009 9:32:50 AM |
| tylerfd | $25.00 | $25.00 | 7/29/2009 9:49:06 AM |
| Veloce | $25.00 | $25.00 | 7/29/2009 12:27:33 PM |
| kenji4861 | $50.00 | $50.00 | 7/30/2009 10:56:43 AM |
| GAOGERAM_BANK | $25.00 | $25.00 | 7/30/2009 3:33:06 PM |
| gizmo65 | $25.00 | $25.00 | 7/30/2009 9:29:03 PM |
| thecid | $25.00 | $25.00 | 7/30/2009 8:42:27 PM |
| incbx | $50.00 | $50.00 | 7/30/2009 10:16:34 PM |
| Arpad | $60.00 | $60.00 | 7/31/2009 6:16:14 AM |
| sisepuede | $25.00 | $25.00 | 7/31/2009 9:32:04 AM |
| helpful-dough | $50.00 | $50.00 | 8/2/2009 12:25:46 PM |
| matthewrburk | $200.00 | $200.00 | 8/3/2009 11:32:14 AM |
| qkinger | $50.00 | $50.00 | 8/3/2009 8:56:32 PM |
| Hexnut | $50.00 | $50.00 | 8/3/2009 9:17:50 PM |
| Syzygy | $25.00 | $25.00 | 8/3/2009 9:13:17 PM |
| ujiba | $25.00 | $25.00 | 8/4/2009 11:51:02 AM |
| platinum-cub | $150.00 | $150.00 | 8/4/2009 4:27:58 PM |
| Earn_money | $25.00 | $25.00 | 8/5/2009 2:30:38 PM |
| JCPlending | $25.00 | $25.00 | 8/5/2009 4:19:47 PM |
| gpuck | $25.00 | $25.00 | 8/5/2009 5:22:36 PM |
| Galdis | $50.00 | $50.00 | 8/5/2009 5:31:12 PM |
| yield-quest | $25.00 | $25.00 | 8/6/2009 7:50:04 PM |
| Auditman | $50.00 | $50.00 | 8/7/2009 5:34:25 AM |
| best-generosity-financier | $50.00 | $50.00 | 8/7/2009 11:32:37 AM |
| plbquic | $50.00 | $50.00 | 8/7/2009 1:07:23 PM |
| PBanker | $25.00 | $25.00 | 8/7/2009 12:30:21 PM |
| lagnisiruk | $25.00 | $25.00 | 7/24/2009 4:13:45 PM |
| krishopper | $25.00 | $25.00 | 7/24/2009 4:13:59 PM |
| Faura | $25.00 | $25.00 | 7/24/2009 4:12:13 PM |
| DukSerduk | $25.00 | $25.00 | 7/24/2009 4:16:17 PM |
| truth-companion | $25.00 | $25.00 | 7/24/2009 4:13:14 PM |
| 888168 | $50.00 | $50.00 | 7/24/2009 4:13:30 PM |
| rjleves | $25.00 | $25.00 | 7/24/2009 4:16:23 PM |
| larrybird | $250.00 | $250.00 | 7/24/2009 4:15:35 PM |
| amit_gu | $50.00 | $50.00 | 7/24/2009 9:25:12 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/25/2009 7:44:29 AM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:37:38 AM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:02:34 PM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:22:22 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:12:05 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 10:00:01 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 11:06:54 AM |
| yenom | $25.00 | $25.00 | 7/28/2009 1:51:50 PM |
| hellasow | $25.00 | $25.00 | 7/28/2009 2:17:30 PM |
| OLYVRC | $25.00 | $25.00 | 7/28/2009 3:11:32 PM |
| financelover | $25.00 | $25.00 | 7/28/2009 3:32:18 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:59 PM |
| anton | $25.00 | $25.00 | 7/28/2009 5:33:27 PM |
| greenback-floret | $25.00 | $25.00 | 7/29/2009 9:32:14 AM |
| mathprof | $25.00 | $25.00 | 7/30/2009 10:17:23 AM |
| GElender | $50.00 | $50.00 | 7/31/2009 6:22:08 AM |
| grf1945 | $25.00 | $25.00 | 7/31/2009 9:02:30 AM |
| DrDavid63 | $25.00 | $25.00 | 7/31/2009 12:00:22 PM |
| the-silver-blaster | $25.00 | $8.13 | 7/31/2009 12:03:57 PM |
| Flying_Tilapia | $25.00 | $25.00 | 7/31/2009 1:45:45 PM |
| DonaldColorado | $100.00 | $100.00 | 7/31/2009 3:42:54 PM |
| NoNameLender | $50.00 | $50.00 | 7/31/2009 5:25:21 PM |
| Dollars4Rent | $50.00 | $50.00 | 8/1/2009 5:09:32 PM |
| IceFisherman | $46.61 | $46.61 | 8/2/2009 8:05:20 PM |
| IceFisherman | $50.00 | $50.00 | 8/2/2009 10:01:53 PM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 8/3/2009 1:06:58 PM |
| gothampark | $50.00 | $50.00 | 8/3/2009 8:51:24 PM |
| dannyboy_997 | $40.00 | $40.00 | 8/3/2009 8:19:20 PM |
| Approved | $25.00 | $25.00 | 8/4/2009 7:36:14 PM |
| alverado | $132.11 | $132.11 | 8/6/2009 4:43:54 PM |
| HealthAndSafety | $50.00 | $50.00 | 8/6/2009 7:23:07 PM |
| bh9720 | $50.00 | $50.00 | 8/7/2009 6:56:23 AM |
| Jwalker11 | $56.72 | $56.72 | 8/7/2009 11:57:19 AM |
| skaught | $50.00 | $50.00 | 8/7/2009 4:01:31 PM |
| 89 bids
|
Borrower Payment Dependent Notes Series
418067
This series of Notes was issued and sold upon the funding of the borrower loan #38211, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction start date:
| Jul-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-10-2009 |
|
|
Starting lender yield:
| 24.17% |
Starting borrower rate/APR:
| 25.17% / 27.74% |
Starting monthly payment:
| $59.77 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.51% |
Final monthly payment:
| $56.51 |
| |
|
Auction yield range:
| 11.23% - 24.17% |
Estimated loss impact:
| 10.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.52% | | |
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-1996 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 2
/
2 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 4 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 9 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| dough-formula |
Borrower's state:
| Ohio |
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
Utility and Medical Bills
Purpose of loan:
This loan will be used to restore gas into my home. It was shut off two months ago and the company has refused any payment plan other than payment in full of past due balance along with a reconnection fee and a deposit. In addition to this I incurred medical bills that rapidly came due along with copays for medication. I look a lot like you, we could pass in the hall at work and you would not know I am in dire straights. I wake up and drive to my sister's house to shower for work since I have no hot water. I am fortunate it is summer so I can grill food to eat and use my coffee maker to make hot water for washing up at night.
My financial situation:
I am a good candidate for this loan because I am a responsible person who simply had too many emergencies at one time. I have a professional job in the medical field with no threat of layoffs. I have taken pride in being a home owner with no credit card debt. This is because I have no credit cards and now see they are part of a responsible financial plan.
Monthly net income: $ 4,300
Monthly expenses: $
Housing: $ 1090
Insurance: $ 150
Car expenses: $ 260
Utilities: $ 175
Phone, cable, internet: $ 150
Food, entertainment: $ 300
Clothing, household expenses $ 100
Credit cards and other loans: $ 50
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) |
|
| realtormoises | $25.00 | $25.00 | 8/7/2009 2:09:03 PM |
| chkrvrty | $25.00 | $25.00 | 8/6/2009 4:16:23 PM |
| scroooge | $25.00 | $25.00 | 8/6/2009 4:47:32 PM |
| ajk_blue | $25.00 | $25.00 | 8/6/2009 4:16:27 PM |
| FundMaker | $25.00 | $25.00 | 8/6/2009 4:45:35 PM |
| Bobusa | $25.00 | $25.00 | 8/7/2009 5:27:40 AM |
| actl | $25.00 | $25.00 | 8/7/2009 9:46:57 AM |
| peb44 | $500.00 | $500.00 | 8/7/2009 6:50:43 PM |
| Feyenoord | $25.00 | $25.00 | 8/7/2009 4:38:43 PM |
| melito75 | $33.40 | $33.40 | 8/7/2009 5:11:27 PM |
| Tokkoutai99 | $25.00 | $25.00 | 8/8/2009 12:02:02 AM |
| jtc26 | $25.00 | $25.00 | 8/8/2009 5:46:29 AM |
| Tecmo | $56.10 | $56.10 | 8/9/2009 7:14:08 AM |
| Snoopylover | $25.00 | $25.00 | 8/10/2009 6:05:20 AM |
| Leshan | $50.00 | $50.00 | 8/10/2009 9:19:06 AM |
| bitano | $50.00 | $50.00 | 8/10/2009 9:29:26 AM |
| Pintu_Desai | $33.00 | $33.00 | 8/10/2009 9:48:38 AM |
| busyguy07 | $25.00 | $25.00 | 8/10/2009 11:53:27 AM |
| donenzo | $25.00 | $25.00 | 7/28/2009 6:58:34 PM |
| money-expert | $50.00 | $50.00 | 8/5/2009 5:30:25 AM |
| Astyanax | $25.00 | $25.00 | 8/7/2009 3:59:06 PM |
| lucygirl2 | $50.00 | $50.00 | 8/7/2009 6:45:36 PM |
| MrRooster101 | $100.00 | $100.00 | 8/7/2009 11:15:32 PM |
| cerbear9 | $50.22 | $50.22 | 8/8/2009 12:18:14 PM |
| llennoc | $51.75 | $51.75 | 8/8/2009 10:14:50 PM |
| carmat60 | $25.00 | $25.00 | 8/9/2009 12:28:37 AM |
| econgineer | $25.00 | $25.00 | 8/9/2009 1:52:45 PM |
| paceme1 | $55.06 | $55.06 | 8/9/2009 3:31:19 PM |
| kindness-jedi | $25.00 | $20.47 | 8/10/2009 10:35:00 AM |
| 29 bids
|
Borrower Payment Dependent Notes Series
418079
This series of Notes was issued and sold upon the funding of the borrower loan #38195, 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-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-10-2009 |
|
|
Starting lender yield:
| 24.17% |
Starting borrower rate/APR:
| 25.17% / 27.48% |
Starting monthly payment:
| $119.55 |
|
Final lender yield:
| 24.10% |
Final borrower rate/APR:
| 25.10% / 27.41% |
Final monthly payment:
| $119.44 |
| |
|
Auction yield range:
| 11.23% - 24.17% |
Estimated loss impact:
| 10.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 7 |
First credit line:
| Feb-1993 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 23
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 34 | Length of status: | 17y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $18,472 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 93% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| social-investor |
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:
| 11 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Aug-2008)
|
|
Principal balance:
| $5,152.02 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
paying off credit card
I'm paying off a high interest credit card. I'm Active Duty Airforce and have been in the service for 17 years. I want to stop paying these outragous intrest rates banks are charging now days. I plan on paying about 350 a month. I am married as well and we manage our money very well, but it's time to get ahead and think about the future.
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:
I think your a great candidate to pledge / bid for!!... Can you briefly list payments on other car loans, personal loans, credit cards, mortgages, etc?..... Also, what are the monthly utilities, ins., living expenses, leases, etc. payments?.. THANKS! - SmartConsolidation
A:
I currently don't have any car payments. My credit cards are about 600 a month and my utilities are are about 200 and my rent is 1100.
(Jul-29-2009)
Q:
Humans this is an excellent investment, let's lend to this one! Oh, I've got a question, how fast do you plan on repaying this loan? PS: Please answer publicly. - hektek22
A:
I plan on paying this loan back in a years time.
(Aug-06-2009)
Q:
Can you tell me why you need a second loan for the same purpose? Was the fist loan not high enough? Also, why was your withdrawn loan set to automatically fund at a much higher rate than you are currently paying? Thanks. - Abed-nego
A:
The original loan taken out a year ago was high enough. Since then,we encountered additional expenses dealing with our the adoption of our foster care child. As for the higher rate,I had 2 previous listings that didn't get funded, so I opted to go with the higher rate for this loan.
(Aug-08-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Credit2Prosper | $25.00 | $25.00 | 7/27/2009 1:03:49 PM |
| decisive-capital | $30.00 | $30.00 | 7/28/2009 1:43:12 PM |
| SmartConsolidation | $25.00 | $25.00 | 7/30/2009 11:43:58 AM |
| lagnisiruk | $25.00 | $25.00 | 8/3/2009 5:42:10 PM |
| zeelender | $25.00 | $25.00 | 8/3/2009 6:03:16 PM |
| NATIVEBORN | $25.00 | $25.00 | 8/4/2009 12:26:54 PM |
| mathprof | $25.00 | $25.00 | 8/5/2009 4:11:27 PM |
| Aviking | $25.00 | $25.00 | 8/5/2009 5:05:57 PM |
| Artist_Blue | $25.00 | $25.00 | 8/6/2009 4:16:14 PM |
| jdc10128 | $25.00 | $25.00 | 8/6/2009 4:18:50 PM |
| Credit2Prosper | $200.00 | $200.00 | 8/7/2009 6:27:06 AM |
| planky | $50.00 | $50.00 | 8/7/2009 10:54:31 AM |
| shoedds | $25.00 | $25.00 | 8/7/2009 4:26:00 PM |
| goatman | $70.00 | $70.00 | 8/8/2009 11:23:56 AM |
| Sykes66 | $25.00 | $25.00 | 8/8/2009 11:40:28 AM |
| PrinceValium | $25.00 | $25.00 | 8/9/2009 11:07:17 AM |
| paceme1 | $100.00 | $100.00 | 8/9/2009 3:29:13 PM |
| Unitas4302 | $100.00 | $100.00 | 8/9/2009 5:05:29 PM |
| equitylender | $50.00 | $38.42 | 8/9/2009 12:34:17 PM |
| I_want_to_help_you | $25.00 | $25.00 | 8/9/2009 8:57:40 PM |
| BuffetRocks | $100.00 | $100.00 | 8/9/2009 11:12:31 PM |
| mrzz | $25.00 | $25.00 | 7/29/2009 5:57:29 AM |
| seisen | $46.58 | $46.58 | 7/29/2009 12:56:39 PM |
| hellasow | $25.00 | $25.00 | 7/29/2009 7:39:02 PM |
| anton | $25.00 | $25.00 | 8/3/2009 5:41:52 PM |
| SNH | $25.00 | $25.00 | 8/3/2009 5:42:16 PM |
| MicroPod | $25.00 | $25.00 | 8/3/2009 6:03:29 PM |
| sk8ndive | $25.00 | $25.00 | 8/3/2009 6:03:19 PM |
| secobarbital | $25.00 | $25.00 | 8/4/2009 2:25:51 AM |
| personal-lender | $25.00 | $25.00 | 8/4/2009 4:22:00 PM |
| Credit2Prosper | $375.00 | $375.00 | 8/4/2009 7:06:13 PM |
| natecam | $25.00 | $25.00 | 8/5/2009 12:10:22 PM |
| cemseller | $25.00 | $25.00 | 8/5/2009 4:08:23 PM |
| YeoLenderSource | $25.00 | $25.00 | 8/5/2009 5:06:10 PM |
| sweety075 | $25.00 | $25.00 | 8/6/2009 4:13:24 PM |
| GElender | $25.00 | $25.00 | 8/6/2009 4:13:38 PM |
| pfenness | $60.00 | $60.00 | 8/6/2009 4:15:35 PM |
| ADIDASNO | $25.00 | $25.00 | 8/6/2009 4:43:26 PM |
| chkrvrty | $25.00 | $25.00 | 8/6/2009 4:47:58 PM |
| restech | $25.00 | $25.00 | 8/6/2009 4:42:08 PM |
| majorf2136 | $25.00 | $25.00 | 8/6/2009 5:02:05 PM |
| fareast_man | $25.00 | $25.00 | 8/6/2009 5:46:58 PM |
| redbomb5 | $25.00 | $25.00 | 8/6/2009 4:43:37 PM |
| FeedTheMachine | $150.00 | $150.00 | 8/6/2009 4:16:16 PM |
| LarWit1512 | $25.00 | $25.00 | 8/7/2009 12:26:53 PM |
| 1-HARD-HEAD | $100.00 | $100.00 | 8/7/2009 4:19:36 PM |
| able2help | $25.00 | $25.00 | 8/7/2009 4:26:14 PM |
| zooom7 | $50.00 | $50.00 | 8/7/2009 4:21:12 PM |
| myduck | $75.00 | $75.00 | 8/7/2009 5:57:20 PM |
| beach_bum | $25.00 | $25.00 | 8/7/2009 10:51:34 PM |
| ajk_blue | $25.00 | $25.00 | 8/8/2009 9:05:44 PM |
| hektek22 | $300.00 | $300.00 | 8/8/2009 9:00:47 PM |
| carmat60 | $25.00 | $25.00 | 8/9/2009 12:30:13 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/9/2009 8:21:02 AM |
| Jaoe | $180.00 | $180.00 | 8/9/2009 11:35:04 PM |
| FarmersBank | $25.00 | $25.00 | 8/9/2009 7:52:33 PM |
| 56 bids
|
Borrower Payment Dependent Notes Series
418159
This series of Notes was issued and sold upon the funding of the borrower loan #38188, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-10-2009 |
|
|
Starting lender yield:
| 18.10% |
Starting borrower rate/APR:
| 19.10% / 21.32% |
Starting monthly payment:
| $110.12 |
|
Final lender yield:
| 17.00% |
Final borrower rate/APR:
| 18.00% / 20.21% |
Final monthly payment:
| $108.46 |
| |
|
Auction yield range:
| 8.23% - 18.10% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 41 | Length of status: | 9y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $36,826 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 82% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| monkandmiles |
Borrower's state:
| NorthCarolina |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
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
Installing an irrigation system
Purpose of loan:
I have had trouble growing grass properly in our yard since we moved into our house 4 years ago. As I travel a lot, I don't have the time to water the lawn on a consistent basis by hand. With the downturn in the housing market, I want to improve the curb appeal of our home so that if we were to sell in the next year or two, having a decent looking yard on top of having a nice house will help with improving the value of our home.
My financial situation:
I work a full-time job in my dad's consulting firm (I'm VP), and we have a stable business from working with airports who receive federal funding for improvement projects. We celebrated 20 years in business this past February, and we have plenty of work, so my financial situation is stable, and I will have no problem repaying the loan.
My monthly budget:
Mortgage/rent: $1548
Insurance: $87
Car expenses: $576
Utilities: $160
Phone, cable, internet: $193
Food, entertainment: $400
Clothing, household expenses $200
Credit cards and other loan payments: $450
Other expenses: $
---------------------------------------
Total monthly expenses: $3614
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
how many months of your salary do you have saved? - blLending
A:
I have less than a month's salary in savings. I used my savings to help my brother finish his last year in college, so my savings are down. I'm working hard to build my savings back up though.
(Jul-28-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| realtormoises | $25.00 | $25.00 | 8/10/2009 9:40:25 AM |
| rmachi | $25.00 | $25.00 | 7/27/2009 12:57:41 PM |
| figs4u2 | $200.00 | $200.00 | 7/27/2009 12:58:42 PM |
| 888168 | $25.00 | $25.00 | 7/27/2009 12:58:48 PM |
| gilbow | $25.00 | $25.00 | 7/27/2009 12:57:15 PM |
| SNH | $25.00 | $25.00 | 7/27/2009 12:58:33 PM |
| sc-pjb11 | $25.00 | $25.00 | 7/28/2009 2:07:51 AM |
| twjh | $25.00 | $25.00 | 7/29/2009 2:16:55 PM |
| LarryNY | $25.00 | $25.00 | 8/3/2009 11:46:27 AM |
| Gaelicman | $100.00 | $100.00 | 8/4/2009 8:43:26 PM |
| dpjd | $50.00 | $50.00 | 8/6/2009 12:26:51 PM |
| Maetryx | $42.36 | $42.36 | 8/7/2009 4:47:59 PM |
| Ray3486 | $25.00 | $25.00 | 8/7/2009 8:15:09 PM |
| BradyKP | $50.00 | $50.00 | 8/8/2009 12:47:20 AM |
| PrepWonder | $26.92 | $26.92 | 8/8/2009 10:10:54 AM |
| aultraman | $25.00 | $25.00 | 8/8/2009 11:45:12 AM |
| colorfulgardener | $50.00 | $50.00 | 8/8/2009 2:38:05 PM |
| maga | $75.00 | $75.00 | 8/8/2009 3:50:15 PM |
| 3mma | $25.00 | $25.00 | 8/8/2009 4:53:28 PM |
| SkyLoan | $26.09 | $26.09 | 8/8/2009 11:40:05 PM |
| sabot6 | $54.39 | $54.39 | 8/9/2009 7:43:30 AM |
| Mosimo | $100.00 | $100.00 | 8/9/2009 8:35:13 AM |
| ryan6853 | $25.00 | $25.00 | 8/9/2009 6:26:08 PM |
| MoneyForNothing | $25.00 | $25.00 | 8/10/2009 6:49:26 AM |
| lifegrowth | $100.00 | $100.00 | 8/10/2009 9:41:11 AM |
| bitano | $50.00 | $50.00 | 8/10/2009 9:31:51 AM |
| autoconnection | $25.00 | $25.00 | 8/10/2009 12:04:58 PM |
| BlueProteus | $25.00 | $25.00 | 8/10/2009 12:33:50 PM |
| puifais | $25.00 | $25.00 | 7/27/2009 12:57:25 PM |
| unclejaef | $25.00 | $25.00 | 7/27/2009 12:57:31 PM |
| kegs | $250.00 | $250.00 | 7/27/2009 12:57:47 PM |
| tlp43 | $25.00 | $25.00 | 7/27/2009 12:58:25 PM |
| money-expert | $25.00 | $25.00 | 7/27/2009 12:58:30 PM |
| ualf | $50.00 | $22.76 | 7/27/2009 12:58:54 PM |
| Rogelio48 | $25.00 | $25.00 | 7/27/2009 1:01:28 PM |
| Syzygy | $25.00 | $25.00 | 7/27/2009 1:01:22 PM |
| lagnisiruk | $25.00 | $25.00 | 7/27/2009 12:57:18 PM |
| larrybird | $250.00 | $250.00 | 7/27/2009 12:57:35 PM |
| Bank_Of_XL | $100.00 | $100.00 | 7/27/2009 2:04:14 PM |
| dudebrah | $25.00 | $25.00 | 7/27/2009 4:46:38 PM |
| srthsvghdthtr | $25.00 | $25.00 | 7/28/2009 2:11:36 AM |
| zento | $25.00 | $25.00 | 7/30/2009 9:54:49 AM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 9:36:37 AM |
| Snoopylover | $25.00 | $25.00 | 7/30/2009 1:37:55 PM |
| interstellar | $46.75 | $46.75 | 7/30/2009 3:35:00 PM |
| stonehillloans | $25.00 | $25.00 | 8/1/2009 4:57:22 AM |
| rockhound84 | $25.00 | $25.00 | 8/2/2009 5:45:12 AM |
| spudbeach | $50.00 | $50.00 | 8/3/2009 9:48:05 PM |
| HolJenks | $30.00 | $30.00 | 8/4/2009 8:39:48 AM |
| MSCG | $55.28 | $55.28 | 8/4/2009 7:22:03 PM |
| mojii77 | $35.00 | $35.00 | 8/5/2009 8:34:11 AM |
| UCLA4life | $25.00 | $25.00 | 8/5/2009 3:05:51 PM |
| Smallbear | $50.00 | $50.00 | 8/6/2009 9:46:00 AM |
| fantasysports | $25.00 | $25.00 | 8/7/2009 1:32:42 PM |
| Streamfeeder | $50.00 | $50.00 | 8/7/2009 4:45:00 PM |
| psycardis | $26.98 | $26.98 | 8/8/2009 2:24:30 AM |
| brother_tam | $50.00 | $50.00 | 8/9/2009 8:04:35 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/9/2009 8:22:21 AM |
| JCM_MN | $25.00 | $25.00 | 8/9/2009 7:05:07 PM |
| mckhbnpc | $30.00 | $30.00 | 8/9/2009 8:04:49 PM |
| tuxedojr1 | $25.00 | $25.00 | 8/10/2009 8:46:36 AM |
| redwraith | $25.00 | $25.00 | 8/10/2009 11:52:36 AM |
| drb4ever | $28.47 | $28.47 | 8/10/2009 11:33:01 AM |
| beatlebar | $100.00 | $100.00 | 8/10/2009 11:33:52 AM |
| Champion_Lending | $25.00 | $25.00 | 8/10/2009 12:15:27 PM |
| 65 bids
|
Borrower Payment Dependent Notes Series
418477
This series of Notes was issued and sold upon the funding of the borrower loan #38196, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,999.00 |
Prosper Rating:
| HR |
Auction start date:
| Jul-28-2009 |
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction end date:
| Aug-11-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.66 |
|
Final lender yield:
| 33.80% |
Final borrower rate/APR:
| 34.80% / 37.25% |
Final monthly payment:
| $135.32 |
| |
|
Auction yield range:
| 17.23% - 34.00% |
Estimated loss impact:
| 20.00% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.80% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 4 |
First credit line:
| May-1997 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 12
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 33 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,202 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 66% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| Lukeskywalker7 |
Borrower's state:
| Illinois |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 24 ( 48% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $5,202.00 | < mo. late:
| 26
( 52% )
| 580-600
(Jan-2008)
580-600
(Dec-2007)
580-600
(Oct-2007)
560-580
(Sep-2006)
|
|
Principal balance:
| $1,527.66 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 50 | | |
Description
My 3rd Paid Loan with Prosper!!!
Purpose of loan:
This loan will be used to fund my Emergency Fund and to make Small Investments. As you can see I have had two loans with Prosper and one I paid off early. I am also several months ahead on my current loan. I am a good investment for you and now after my main personal debt is very low and my FICO socre is higher than it has ever been, I now will invest in my future and financial safety.
My financial situation:
I am a good candidate for this loan because as you can see, as I said above, I have paid off one loan in full very ealry, and I am ahead with the other. I have a great paying job that is very, very steady. I am also single, no children and almost no debt. Also, please be it known that where Prosper says that I have been late on my loan payments....I have never been over the grace period porvided and I have always paid every single month on both loans and please note, again, that I have paid off one loan several months early and I am ahead on my second loan.
Monthly net income: $2,350
Monthly expenses: $2,260
Housing: $ 595.00 rent
Insurance: $ 150.00 car
Car expenses: $ 175.00 (gax, etc.) car has been paid in full since last year.
Utilities: $ 100.00 est.
Phone, cable, internet: $ 115.00 comcast
Food, entertainment: $ 350.00.00 + or -
Clothing, household expenses $ 200.00
Credit cards and other loans: $ 475.00 (this also includes this loan I am applying for today if approved).
Other expenses: $ 100.00
Thank you for your time and consideration. I hope that you will consider my loan application and make a bid. I will not let you down.
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:
I like that your credit score keep going higher and higher. Why do you think your rating in HR. Please keep up the good work in moving your FICO score higher. For this reason. I'm going to bid on you add. - manny00
A:
Dear Mannyoo,
Thank you so much for your question. I asked Propser that same question and I got a computer generated answer that was not much help. It said to read the rating policy. My last two loans where rated as an E, but this requested loan, I am an HR. My credit has never been better and as you can see, I haved paid off and on time with my loans. Thank you so much for your bid.
(Aug-11-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Dave_Cashflow | $100.00 | $100.00 | 8/4/2009 10:05:16 AM |
| tcbmc | $50.00 | $50.00 | 8/8/2009 11:58:12 AM |
| rickrhea | $50.00 | $50.00 | 8/8/2009 8:18:32 PM |
| barkochva | $25.00 | $25.00 | 8/8/2009 8:48:39 PM |
| BlueProteus | $25.00 | $25.00 | 8/10/2009 12:56:12 PM |
| paceme1 | $65.00 | $65.00 | 8/10/2009 6:29:28 PM |
| aldeed | $500.00 | $500.00 | 8/10/2009 6:26:15 PM |
| gbruenin | $150.00 | $150.00 | 8/10/2009 4:55:01 PM |
| Moe87 | $70.00 | $70.00 | 8/10/2009 8:48:07 PM |
| psycardis | $25.00 | $25.00 | 8/10/2009 11:08:23 PM |
| FarmersBank | $35.00 | $35.00 | 8/11/2009 7:20:34 AM |
| lifelongreds | $50.00 | $50.00 | 8/11/2009 4:52:32 AM |
| jelly1126 | $50.00 | $50.00 | 8/11/2009 10:23:03 AM |
| prestar | $39.14 | $39.14 | 8/11/2009 11:33:22 AM |
| MeanWhiteCat | $25.00 | $25.00 | 8/11/2009 2:13:14 PM |
| manny00 | $25.00 | $25.00 | 8/11/2009 2:34:29 PM |
| Rancid | $25.00 | $25.00 | 8/11/2009 1:04:50 PM |
| rawrey | $60.00 | $60.00 | 8/11/2009 10:37:41 AM |
| congardner1 | $25.00 | $25.00 | 8/11/2009 3:28:30 PM |
| malomar66 | $56.51 | $56.51 | 8/11/2009 2:04:08 PM |
| niceguy777 | $25.00 | $25.00 | 8/4/2009 10:05:57 AM |
| whazarook | $25.00 | $25.00 | 8/6/2009 8:58:10 PM |
| boodo | $400.00 | $400.00 | 8/7/2009 9:24:05 AM |
| bartenderpro | $50.00 | $50.00 | 8/8/2009 9:21:51 PM |
| emance | $50.00 | $50.00 | 8/9/2009 11:59:43 AM |
| money-expert | $25.00 | $25.00 | 8/10/2009 1:06:04 PM |
| garnetchik | $25.00 | $25.00 | 8/10/2009 5:01:05 PM |
| mauge35 | $79.61 | $79.61 | 8/10/2009 8:02:12 PM |
| Astyanax | $25.00 | $25.00 | 8/10/2009 8:14:42 PM |
| AsianDragon | $25.00 | $25.00 | 8/10/2009 9:23:17 PM |
| thomas16882004 | $75.00 | $75.00 | 8/11/2009 10:17:59 AM |
| benrice | $25.00 | $25.00 | 8/11/2009 10:27:30 AM |
| dcm6276 | $25.00 | $25.00 | 8/11/2009 9:38:25 AM |
| m60gpmg | $100.00 | $100.00 | 8/11/2009 9:19:41 AM |
| showmethemoney5 | $100.00 | $100.00 | 8/11/2009 12:20:06 PM |
| sfg08145 | $56.51 | $56.51 | 8/11/2009 11:54:50 AM |
| Feyenoord | $25.00 | $25.00 | 8/11/2009 12:32:11 PM |
| sevenbridges | $200.00 | $200.00 | 8/11/2009 1:21:37 PM |
| head | $25.00 | $25.00 | 8/11/2009 10:48:50 AM |
| mcabery | $75.00 | $75.00 | 8/11/2009 11:49:54 AM |
| PeePaw | $30.00 | $30.00 | 8/11/2009 3:46:20 PM |
| kevlar | $25.00 | $7.23 | 8/11/2009 4:09:37 PM |
| Millmanator | $25.00 | $25.00 | 8/11/2009 3:30:49 PM |
| investment-cluster | $25.00 | $25.00 | 8/11/2009 2:14:24 PM |
| adam28 | $25.00 | $25.00 | 8/11/2009 2:24:03 PM |
| 45 bids
|
Borrower Payment Dependent Notes Series
418861
This series of Notes was issued and sold upon the funding of the borrower loan #38177, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction start date:
| Jul-31-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-11-2009 |
|
|
Starting lender yield:
| 25.00% |
Starting borrower rate/APR:
| 26.00% / 29.93% |
Starting monthly payment:
| $40.29 |
|
Final lender yield:
| 25.00% |
Final borrower rate/APR:
| 26.00% / 29.93% |
Final monthly payment:
| $40.29 |
| |
|
Auction yield range:
| 11.23% - 25.00% |
Estimated loss impact:
| 10.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 9
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,328 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 100% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| hopeful-finance |
Borrower's state:
| Pennsylvania |
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
Dental work
Purpose of loan:
I have have had several?root canals and fillings, but was never financially able to follow-up with crowns. Many of my teeth have chipped and it has come to the point where?I need to get partials put in, so that I can be confident when I?smile. The dentist requires payment up front, and I have been saving for a long time. I am only approximately $950 away from having the full amount. I just found this website and I am hoping that it is my solution!!
My financial situation:
It's hard to believe that my credit?"grade" on here?is so?low. I'm assuming that?it's because I have several small credit?cards.?I have one major credit card and?4 store-issued cards, all of which I pay on time every month, as you can see by the credit detail.?My credit score from?the online credit report as of 7/31/09 is 698. I split my mortgage and all of the "house" bills with my live-in boyfriend, and making this payment will?not be?a problem?for me.
Monthly net income: $2,390.40
Monthly expenses: $1,221.00
??Housing: $350.00? (share?mortgage with boyfriend)
??Insurance: $61.00
??Car expenses: $100.00
??Utilities: $60.00?
??Phone, cable, internet: $160.00
??Food, entertainment: $150.00?
??Clothing, household expenses $50.00
??Credit cards and other loans: $215.00
??Other expenses: $75.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rakey | $25.00 | $25.00 | 7/31/2009 4:15:17 PM |
| secobarbital | $25.00 | $25.00 | 8/4/2009 2:26:10 AM |
| zento | $25.00 | $25.00 | 8/5/2009 8:00:13 AM |
| PvtLender2008 | $25.00 | $25.00 | 8/7/2009 12:14:06 PM |
| JohnSmallberries | $25.00 | $25.00 | 8/7/2009 4:27:23 PM |
| Onlyhappycustomers | $25.00 | $25.00 | 8/8/2009 5:32:36 AM |
| Loan_Stranger | $50.00 | $10.00 | 8/8/2009 7:51:31 PM |
| Unitas4302 | $50.00 | $50.00 | 8/9/2009 5:13:01 PM |
| oregonusa | $25.00 | $25.00 | 8/10/2009 10:50:17 AM |
| Rider | $100.00 | $100.00 | 8/10/2009 10:51:37 AM |
| LibbyZ | $50.00 | $50.00 | 8/10/2009 1:17:29 PM |
| Ray3486 | $25.00 | $25.00 | 8/10/2009 1:19:42 PM |
| Thunder08 | $25.00 | $25.00 | 8/10/2009 6:31:01 PM |
| Dave_Cashflow | $110.00 | $110.00 | 8/10/2009 6:29:23 PM |
| IPG1 | $100.00 | $100.00 | 7/31/2009 4:17:50 PM |
| Loan_Stranger | $50.00 | $50.00 | 7/31/2009 8:57:14 PM |
| SmartConsolidation | $25.00 | $25.00 | 8/2/2009 10:50:42 PM |
| Loan_Stranger | $50.00 | $50.00 | 8/5/2009 5:52:46 PM |
| mercuriant | $25.00 | $25.00 | 8/5/2009 5:56:25 PM |
| Astyanax | $25.00 | $25.00 | 8/6/2009 4:10:55 PM |
| decisive-capital | $30.00 | $30.00 | 8/6/2009 4:16:04 PM |
| _SCI_ | $25.00 | $25.00 | 8/7/2009 2:35:18 AM |
| hellasow | $25.00 | $25.00 | 8/7/2009 3:33:34 AM |
| mrbill5548 | $25.00 | $25.00 | 8/7/2009 4:16:25 PM |
| inforapenny | $25.00 | $25.00 | 8/7/2009 4:29:14 PM |
| jules3304 | $25.00 | $25.00 | 8/8/2009 6:20:01 PM |
| aultraman | $25.00 | $25.00 | 8/10/2009 9:59:50 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
419315
This series of Notes was issued and sold upon the funding of the borrower loan #38173, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-05-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-06-2009 |
|
|
Starting lender yield:
| 18.05% |
Starting borrower rate/APR:
| 19.05% / 21.27% |
Starting monthly payment:
| $73.36 |
|
Final lender yield:
| 17.00% |
Final borrower rate/APR:
| 18.00% / 20.21% |
Final monthly payment:
| $72.30 |
| |
|
Auction yield range:
| 8.23% - 18.05% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $33,409 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 98% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| steven03 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 580-600
(Jan-2008)
600-620
(Nov-2007)
600-620
(Oct-2007)
600-620
(Aug-2007)
|
|
Principal balance:
| $1,757.36 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
consolidate credit cards
Purpose of loan:
Consolidate credit cards
My financial situation:
I pay too much interest, I always pay my bills on time, and Im current with all my payments
Monthly net income: $
3208
Monthly expenses: $
??Housing: $ 800
??Insurance: $?54
??Car expenses: $691
??Utilities: $ 200
??Phone, cable, internet: $?100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $600
??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) |
|
| skuba | $25.00 | $25.00 | 8/5/2009 3:05:50 PM |
| Weaverville | $75.00 | $75.00 | 8/5/2009 3:08:05 PM |
| Veloce | $25.00 | $25.00 | 8/5/2009 3:08:41 PM |
| fizwahh | $30.00 | $30.00 | 8/5/2009 3:08:19 PM |
| the-silver-blaster | $40.00 | $40.00 | 8/5/2009 3:09:40 PM |
| SNH | $25.00 | $25.00 | 8/5/2009 3:09:52 PM |
| mathprof | $25.00 | $25.00 | 8/5/2009 3:09:02 PM |
| puifais | $25.00 | $25.00 | 8/5/2009 3:10:13 PM |
| dspmn | $25.00 | $25.00 | 8/5/2009 3:09:09 PM |
| don8ter | $25.00 | $25.00 | 8/5/2009 3:10:48 PM |
| tlp43 | $25.00 | $25.00 | 8/5/2009 3:05:37 PM |
| PHI4308 | $25.00 | $25.00 | 8/5/2009 3:11:04 PM |
| hopethisworks | $50.00 | $50.00 | 8/5/2009 3:11:40 PM |
| aader | $25.00 | $25.00 | 8/5/2009 3:12:17 PM |
| keeks | $25.00 | $25.00 | 8/5/2009 3:11:12 PM |
| Aquani | $50.00 | $50.00 | 8/5/2009 3:11:19 PM |
| incbx | $25.00 | $25.00 | 8/5/2009 3:11:35 PM |
| ualf | $50.00 | $50.00 | 8/5/2009 3:07:45 PM |
| yield-lion | $25.00 | $25.00 | 8/5/2009 3:12:11 PM |
| secobarbital | $25.00 | $25.00 | 8/5/2009 3:14:05 PM |
| orindalender | $25.00 | $25.00 | 8/5/2009 3:12:41 PM |
| fareast_man | $25.00 | $25.00 | 8/5/2009 3:15:00 PM |
| businessguy29 | $25.00 | $25.00 | 8/5/2009 3:15:15 PM |
| greenwell | $25.00 | $5.00 | 8/5/2009 3:15:20 PM |
| gravbox | $25.00 | $25.00 | 8/5/2009 3:14:32 PM |
| grf1945 | $25.00 | $25.00 | 8/5/2009 3:10:41 PM |
| jbarron | $25.00 | $25.00 | 8/5/2009 3:11:49 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/5/2009 3:14:56 PM |
| seisen | $50.00 | $50.00 | 8/5/2009 3:15:12 PM |
| decisive-capital | $50.00 | $50.00 | 8/5/2009 3:07:23 PM |
| oldmora | $25.00 | $25.00 | 8/5/2009 3:06:11 PM |
| 888168 | $25.00 | $25.00 | 8/5/2009 3:07:34 PM |
| crazycool | $35.00 | $35.00 | 8/5/2009 3:08:47 PM |
| Logan7 | $25.00 | $25.00 | 8/5/2009 3:08:57 PM |
| scoobiedoo | $25.00 | $25.00 | 8/5/2009 3:09:21 PM |
| fortytwo | $70.00 | $70.00 | 8/5/2009 3:10:07 PM |
| wise-silver-wonder | $25.00 | $25.00 | 8/5/2009 3:09:32 PM |
| Artist_Blue | $25.00 | $25.00 | 8/5/2009 3:10:01 PM |
| unclejaef | $25.00 | $25.00 | 8/5/2009 3:10:18 PM |
| mmckune | $25.00 | $25.00 | 8/5/2009 3:11:30 PM |
| Penny | $50.00 | $50.00 | 8/5/2009 3:07:00 PM |
| fireboss | $100.00 | $100.00 | 8/5/2009 3:07:09 PM |
| VentureExplorer | $25.00 | $25.00 | 8/5/2009 3:12:51 PM |
| 02bob | $25.00 | $25.00 | 8/5/2009 3:08:32 PM |
| money73 | $25.00 | $25.00 | 8/5/2009 3:09:46 PM |
| rmachi | $25.00 | $25.00 | 8/5/2009 3:10:23 PM |
| anton | $25.00 | $25.00 | 8/5/2009 3:10:32 PM |
| GElender | $50.00 | $50.00 | 8/5/2009 3:10:43 PM |
| FeedTheMachine | $150.00 | $150.00 | 8/5/2009 3:15:03 PM |
| GMPK_TLAS | $45.00 | $45.00 | 8/5/2009 3:10:58 PM |
| lagnisiruk | $25.00 | $25.00 | 8/5/2009 3:15:08 PM |
| Credit2Prosper | $25.00 | $25.00 | 8/5/2009 3:20:37 PM |
| zeelender | $25.00 | $25.00 | 8/5/2009 3:11:24 PM |
| dilbert17 | $25.00 | $25.00 | 8/5/2009 3:13:59 PM |
| YogaDude34 | $50.00 | $50.00 | 8/5/2009 3:14:02 PM |
| Rips | $25.00 | $25.00 | 8/5/2009 3:14:46 PM |
| mpactlender | $25.00 | $25.00 | 8/5/2009 3:14:49 PM |
| Aviking | $25.00 | $25.00 | 8/5/2009 3:14:52 PM |
| Rogelio48 | $25.00 | $25.00 | 8/6/2009 5:55:08 AM |
| 59 bids
|
Borrower Payment Dependent Notes Series
419393
This series of Notes was issued and sold upon the funding of the borrower loan #38192, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-05-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-08-2009 |
|
|
Starting lender yield:
| 27.79% |
Starting borrower rate/APR:
| 28.79% / 31.15% |
Starting monthly payment:
| $83.58 |
|
Final lender yield:
| 27.79% |
Final borrower rate/APR:
| 28.79% / 31.15% |
Final monthly payment:
| $83.58 |
| |
|
Auction yield range:
| 8.23% - 27.79% |
Estimated loss impact:
| 7.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Sep-1989 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 20
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 46 | Length of status: | 5y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $94,652 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 97% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| dalres882208 |
Borrower's state:
| Texas |
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:
| 3 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $25,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Jan-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 3 | | |
Description
Helping family
I am a very reputable individual with a very well paying job. I have been employed at the same company for 6 years and hold a fairly prestigious position. I am in a position of "starting over" in my personal life, however. I recently divorced and inherited a relatively large amount of credit card debt as a result. These debt payments are manageable, but I recently found out that?my parents need some assistance?with some medical bills that have recently become due.
My "long term" plan is to withdraw some money?from my 401K to pay these bills as well as pay down my debt. Unfortunately I was just informed?that this option will take a few weeks to come to fruition.
Monthly cash flow is not an issue;? I have always paid all of my bills on time, including a loan from Prosper I obtained 2 years ago. I have no late payments on my credit. I have over $120K in my retirement plans but my goal is to withdraw as little as possible from these plans.
This bridge loan will help me immensely.
Thanks in advance 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
Q:
Humans this is an excellent investment, let's lend to this one! Oh, I've got a question, how fast do you plan on repaying this loan?
PS: Please answer publicly. - hektek22
A:
By loaning me the money in this economy, you're doing me a huge favor. In the interest of returning the favor and making sure it's a worthwhile investment for you, I intend to pay the money back over the full 3-year period and not prepay it.
(Aug-05-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| BrLender | $25.00 | $25.00 | 8/5/2009 3:05:45 PM |
| aztocas | $50.00 | $50.00 | 8/6/2009 8:23:06 AM |
| charliecubs | $25.00 | $25.00 | 8/6/2009 12:00:35 PM |
| Madron | $50.00 | $50.00 | 8/6/2009 2:16:14 PM |
| hektek22 | $300.00 | $300.00 | 8/6/2009 9:09:23 PM |
| mercuriant | $25.00 | $25.00 | 8/7/2009 12:00:37 AM |
| jbloans | $50.00 | $50.00 | 8/7/2009 7:21:34 PM |
| Top_Gun_Lender | $51.00 | $51.00 | 8/8/2009 1:39:46 AM |
| karmanxten | $300.00 | $300.00 | 8/8/2009 3:10:26 AM |
| Virtuallending | $67.89 | $67.89 | 8/8/2009 2:23:32 PM |
| flyinhawaiian | $50.00 | $50.00 | 8/5/2009 3:05:28 PM |
| tnjohnso | $25.00 | $25.00 | 8/5/2009 3:12:02 PM |
| dpjd | $50.00 | $50.00 | 8/6/2009 12:59:56 PM |
| njlom | $100.00 | $100.00 | 8/6/2009 11:59:34 PM |
| MONEY_IN_THE_BANK | $47.23 | $47.23 | 8/6/2009 11:57:34 PM |
| IcedMochaFund | $25.00 | $25.00 | 8/7/2009 4:30:52 AM |
| mmrothsc | $50.00 | $50.00 | 8/7/2009 6:35:57 AM |
| Johnab | $50.00 | $50.00 | 8/7/2009 6:43:37 AM |
| Bank_Of_XL | $100.00 | $100.00 | 8/7/2009 8:16:52 AM |
| CMDCO | $50.00 | $50.00 | 8/7/2009 9:54:22 AM |
| planky | $50.00 | $50.00 | 8/7/2009 10:47:29 AM |
| BradP | $25.00 | $25.00 | 8/7/2009 11:32:24 AM |
| James_and_Tracy | $25.00 | $25.00 | 8/7/2009 11:36:40 AM |
| Digger54 | $48.02 | $48.02 | 8/7/2009 1:09:18 PM |
| Engineer44 | $25.00 | $25.00 | 8/7/2009 6:14:29 PM |
| Onlyhappycustomers | $25.00 | $25.00 | 8/8/2009 5:36:59 AM |
| MomB | $25.00 | $25.00 | 8/8/2009 10:44:32 AM |
| karmanxten | $200.00 | $185.86 | 8/8/2009 5:02:04 PM |
| IPG1 | $100.00 | $100.00 | 8/8/2009 4:29:08 PM |
| 29 bids
|
Borrower Payment Dependent Notes Series
417342
This series of Notes was issued and sold upon the funding of the borrower loan #38186, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction start date:
| Jul-21-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-04-2009 |
|
|
Starting lender yield:
| 23.17% |
Starting borrower rate/APR:
| 24.17% / 26.46% |
Starting monthly payment:
| $137.63 |
|
Final lender yield:
| 23.15% |
Final borrower rate/APR:
| 24.15% / 26.44% |
Final monthly payment:
| $137.59 |
| |
|
Auction yield range:
| 11.23% - 23.17% |
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:
| Sep-1981 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 13
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 73 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $25,956 |
Occupation: | Tradesman - Electri... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 81% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| peace-fighter |
Borrower's state:
| Texas |
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
Need quick cash to pay off a card
Purpose of loan:
This loan will be used to?Pay off a credit card who's intrest rate has gone up.
My financial situation:
I am a good consumer for this loan because?I am gainfully employeed and work for a strong company and I have been in my line of work for 30+ years and I pay off all my debts. If this works like I hope it will I will use prosper again in the future. As you can see my debt to income ratio is low.
Monthly net income: $
5600
Monthly expenses: $
Housing: $ 524
Insurance: $ 56
Car expenses: $ 100
Utilities: $ 100
Phone, cable, internet: $ 89
Food, entertainment: $ 125
Clothing, household expenses $ 60
Credit cards and other loans: $ 655
Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| seisen | $50.00 | $50.00 | 7/21/2009 4:08:21 PM |
| mrzz | $25.00 | $25.00 | 7/21/2009 4:09:01 PM |
| gilbow | $25.00 | $25.00 | 7/21/2009 4:09:36 PM |
| lagnisiruk | $25.00 | $25.00 | 7/21/2009 4:09:58 PM |
| SNH | $25.00 | $25.00 | 7/24/2009 8:26:55 AM |
| sk8ndive | $25.00 | $25.00 | 7/28/2009 8:49:05 AM |
| Aviking | $25.00 | $25.00 | 7/29/2009 4:32:04 PM |
| mathprof | $25.00 | $25.00 | 7/30/2009 10:18:13 AM |
| palpbert | $25.00 | $25.00 | 7/31/2009 12:12:57 PM |
| cemseller | $25.00 | $25.00 | 7/31/2009 2:26:16 PM |
| thedreamer | $25.00 | $25.00 | 7/31/2009 5:16:48 PM |
| FeedTheMachine | $150.00 | $150.00 | 8/1/2009 7:45:19 PM |
| Loan_Stranger | $50.00 | $50.00 | 8/2/2009 5:06:15 PM |
| wise-silver-wonder | $25.00 | $25.00 | 8/3/2009 5:40:47 PM |
| gizzywump | $25.00 | $25.00 | 8/3/2009 5:41:22 PM |
| Rips | $25.00 | $25.00 | 8/3/2009 5:41:04 PM |
| red-sublime-return | $25.00 | $25.00 | 8/3/2009 5:39:22 PM |
| gravbox | $25.00 | $25.00 | 8/3/2009 5:43:17 PM |
| businessguy29 | $25.00 | $25.00 | 8/3/2009 5:42:36 PM |
| chkrvrty | $25.00 | $25.00 | 8/3/2009 5:45:29 PM |
| mwl | $50.00 | $50.00 | 8/3/2009 5:57:52 PM |
| econman1 | $25.00 | $25.00 | 8/3/2009 5:57:53 PM |
| Tasmir | $25.00 | $19.76 | 8/3/2009 5:57:58 PM |
| phoko | $25.00 | $25.00 | 8/3/2009 5:57:50 PM |
| zento | $25.00 | $25.00 | 8/3/2009 6:01:29 PM |
| jrancher88 | $27.00 | $27.00 | 8/3/2009 6:43:52 PM |
| peregrine | $25.00 | $25.00 | 8/3/2009 6:16:52 PM |
| umfan123 | $25.00 | $25.00 | 8/3/2009 7:56:53 PM |
| ChillyWilly | $25.00 | $25.00 | 8/4/2009 4:48:49 AM |
| myduck | $50.00 | $50.00 | 8/4/2009 5:50:37 AM |
| Bobusa | $25.00 | $25.00 | 8/4/2009 5:58:20 AM |
| Leshan | $50.00 | $50.00 | 8/4/2009 7:27:24 AM |
| spiff666 | $25.00 | $25.00 | 8/3/2009 10:06:48 PM |
| Gaelicman | $60.00 | $60.00 | 8/3/2009 10:39:44 PM |
| martymaniaman | $25.00 | $25.00 | 8/4/2009 5:32:13 AM |
| Packers18 | $25.00 | $25.00 | 8/4/2009 8:51:48 AM |
| DADOF1 | $25.00 | $25.00 | 8/4/2009 9:15:38 AM |
| JMY1 | $25.00 | $25.00 | 8/4/2009 10:17:39 AM |
| bitano | $50.00 | $50.00 | 8/4/2009 11:53:17 AM |
| BankOfThomas | $200.00 | $200.00 | 8/4/2009 12:27:20 PM |
| evergreen16 | $100.00 | $100.00 | 8/4/2009 1:45:16 PM |
| mcshew99 | $25.00 | $25.00 | 8/4/2009 2:08:54 PM |
| Engineer44 | $25.00 | $25.00 | 8/4/2009 3:57:45 PM |
| MicroPod | $25.00 | $25.00 | 7/21/2009 4:09:13 PM |
| bchen78875 | $25.00 | $25.00 | 7/22/2009 1:17:34 AM |
| NATIVEBORN | $25.00 | $25.00 | 7/24/2009 9:18:45 AM |
| mtp | $50.00 | $50.00 | 7/25/2009 4:27:37 PM |
| zeelender | $25.00 | $25.00 | 7/27/2009 6:16:59 PM |
| decisive-capital | $30.00 | $30.00 | 7/28/2009 1:43:02 PM |
| hellasow | $25.00 | $25.00 | 7/28/2009 2:20:24 PM |
| anton | $25.00 | $25.00 | 7/28/2009 5:32:51 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 7/29/2009 4:01:41 PM |
| blanchettec | $25.00 | $25.00 | 7/30/2009 9:56:34 AM |
| GElender | $25.00 | $25.00 | 7/31/2009 6:22:42 AM |
| natecam | $25.00 | $25.00 | 7/31/2009 8:35:28 AM |
| YeoLenderSource | $25.00 | $25.00 | 8/1/2009 11:13:23 PM |
| IceFisherman | $50.00 | $50.00 | 8/2/2009 3:20:29 AM |
| LAM26 | $25.00 | $25.00 | 8/2/2009 6:56:14 PM |
| pfenness | $36.90 | $36.90 | 8/3/2009 11:17:37 AM |
| jdc10128 | $25.00 | $25.00 | 8/3/2009 11:36:10 AM |
| 108lender | $64.32 | $64.32 | 8/3/2009 5:41:25 PM |
| DER | $53.25 | $53.25 | 8/3/2009 5:41:12 PM |
| puifais | $25.00 | $25.00 | 8/3/2009 5:41:33 PM |
| fareast_man | $25.00 | $25.00 | 8/3/2009 5:42:01 PM |
| oldmora | $25.00 | $25.00 | 8/3/2009 5:42:21 PM |
| ADIDASNO | $25.00 | $25.00 | 8/3/2009 5:39:35 PM |
| cyberie21 | $30.00 | $30.00 | 8/3/2009 5:40:45 PM |
| LeoBUSIIT | $25.00 | $25.00 | 8/3/2009 5:44:04 PM |
| Artist_Blue | $25.00 | $25.00 | 8/3/2009 5:41:19 PM |
| unclejaef | $25.00 | $25.00 | 8/3/2009 5:41:30 PM |
| greenwell | $25.00 | $25.00 | 8/3/2009 5:41:35 PM |
| kyxysyx | $50.00 | $50.00 | 8/3/2009 5:57:29 PM |
| Arkine | $25.00 | $25.00 | 8/3/2009 5:57:48 PM |
| mercuriant | $25.00 | $25.00 | 8/3/2009 5:57:34 PM |
| reiterpitscrambledegg | $25.00 | $25.00 | 8/3/2009 5:57:49 PM |
| MrMcduck | $25.00 | $25.00 | 8/3/2009 5:57:54 PM |
| fightgravity | $25.00 | $25.00 | 8/3/2009 5:57:51 PM |
| padewy | $25.00 | $25.00 | 8/3/2009 6:02:46 PM |
| silverloan | $50.00 | $50.00 | 8/3/2009 6:03:46 PM |
| ajk_blue | $25.00 | $25.00 | 8/3/2009 6:03:52 PM |
| jules3304 | $25.00 | $25.00 | 8/3/2009 6:14:42 PM |
| aloantime07 | $25.00 | $25.00 | 8/3/2009 6:58:00 PM |
| jrcctexas25 | $25.00 | $25.00 | 8/3/2009 7:03:11 PM |
| money-expert | $25.00 | $25.00 | 8/4/2009 6:00:53 AM |
| joebob78 | $50.00 | $50.00 | 8/3/2009 8:25:13 PM |
| PeePaw | $25.00 | $25.00 | 8/4/2009 7:50:46 AM |
| maga | $50.00 | $50.00 | 8/4/2009 7:03:15 AM |
| zooom7 | $50.00 | $50.00 | 8/4/2009 9:31:24 AM |
| Credit2Prosper | $100.00 | $100.00 | 8/4/2009 9:38:43 AM |
| genuine-money | $50.00 | $50.00 | 8/4/2009 9:39:08 AM |
| Taho | $50.00 | $50.00 | 8/4/2009 8:04:45 AM |
| unfixer | $50.00 | $50.00 | 8/4/2009 8:28:48 AM |
| LogCabin5 | $50.00 | $50.00 | 8/4/2009 10:34:53 AM |
| branaa99 | $25.77 | $25.77 | 8/4/2009 1:38:03 PM |
| Bekim | $53.00 | $53.00 | 8/4/2009 3:21:43 PM |
| Feyenoord | $100.00 | $100.00 | 8/4/2009 2:45:40 PM |
| 96 bids
|
Borrower Payment Dependent Notes Series
417942
This series of Notes was issued and sold upon the funding of the borrower loan #38182, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,750.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Aug-07-2009 |
|
|
Starting lender yield:
| 9.52% |
Starting borrower rate/APR:
| 10.52% / 12.63% |
Starting monthly payment:
| $284.48 |
|
Final lender yield:
| 8.45% |
Final borrower rate/APR:
| 9.45% / 11.55% |
Final monthly payment:
| $280.08 |
| |
|
Auction yield range:
| 3.23% - 9.52% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.95% | | |
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:
| Apr-1994 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $21,022 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 38% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| marketplace-jet |
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
Pay off higher rate credit card
Purpose of loan:
This loan will be used to pay off the balance on a higher rate credit card.
My financial situation:
I am a good candidate for this loan because I have excellent credit and have never missed or been late on a payment in 20 years of borrowing. I have a stable, secure, decent paying job. I have been with my current employer for over 2 years, but have been in the same industry for almost 13 years, with only one previous employer.
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:
Why did you cancelled fully funded last loan? - maga
A:
I didn't cancel it, Prosper did because they discontinued lender bidding on listings at the time (they apparently re-entered a quiet period because they didn't have all the necessary or desired SEC approvals, or something).
(Aug-07-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| 888168 | $50.00 | $50.00 | 7/24/2009 4:13:29 PM |
| unclejaef | $25.00 | $25.00 | 7/24/2009 4:14:37 PM |
| bchen78875 | $50.00 | $50.00 | 7/24/2009 4:15:00 PM |
| kegs | $250.00 | $250.00 | 7/24/2009 4:15:39 PM |
| krishopper | $25.00 | $25.00 | 7/24/2009 4:13:57 PM |
| thegreatone | $25.00 | $25.00 | 7/24/2009 4:15:11 PM |
| larrybird | $250.00 | $250.00 | 7/24/2009 4:15:33 PM |
| sas19 | $25.00 | $25.00 | 7/24/2009 4:14:18 PM |
| Syzygy | $25.00 | $25.00 | 7/24/2009 4:14:47 PM |
| tallcoolone | $25.00 | $25.00 | 7/24/2009 4:16:34 PM |
| outofoffice | $50.00 | $50.00 | 7/25/2009 6:40:56 AM |
| fortytwo | $50.00 | $50.00 | 7/25/2009 9:12:59 PM |
| retiresecure | $140.30 | $140.30 | 7/26/2009 6:30:07 AM |
| financelover | $25.00 | $25.00 | 7/25/2009 10:26:40 PM |
| OLYVRC | $25.00 | $25.00 | 7/26/2009 8:57:13 AM |
| yenom | $25.00 | $25.00 | 7/26/2009 3:21:47 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/27/2009 4:57:32 AM |
| abuyama22 | $25.00 | $25.00 | 7/27/2009 10:37:32 AM |
| Vacs4u | $25.00 | $25.00 | 7/27/2009 2:11:55 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/27/2009 11:27:12 PM |
| eyal0 | $25.00 | $25.00 | 7/28/2009 5:22:18 AM |
| gdbanks | $25.00 | $25.00 | 7/28/2009 7:12:02 AM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 9:59:57 AM |
| market-assembler | $25.00 | $25.00 | 7/28/2009 11:03:23 AM |
| anton | $25.00 | $25.00 | 7/28/2009 5:33:23 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 7/28/2009 6:02:44 PM |
| MrDavid | $50.00 | $50.00 | 7/28/2009 6:47:31 PM |
| albatross897 | $25.00 | $25.00 | 7/28/2009 8:06:54 PM |
| peb44 | $25.00 | $25.00 | 7/28/2009 9:12:50 PM |
| kenji4861 | $25.43 | $25.43 | 7/29/2009 6:16:33 AM |
| greenback-floret | $25.00 | $25.00 | 7/29/2009 9:32:11 AM |
| Theboof | $25.00 | $25.00 | 7/29/2009 9:32:48 AM |
| IceFisherman | $25.00 | $25.00 | 7/29/2009 7:56:54 AM |
| Veloce | $25.00 | $25.00 | 7/29/2009 12:27:28 PM |
| dsparrow | $25.47 | $25.47 | 7/29/2009 9:49:18 PM |
| mathprof | $25.00 | $25.00 | 7/30/2009 10:17:18 AM |
| kinetic-truth | $25.00 | $25.00 | 7/30/2009 9:31:48 AM |
| MidnightBank | $25.00 | $25.00 | 7/30/2009 10:56:51 AM |
| otalon | $25.00 | $25.00 | 7/30/2009 12:19:11 PM |
| Castellan | $25.00 | $25.00 | 7/30/2009 3:31:18 PM |
| red-sublime-return | $25.00 | $25.00 | 7/30/2009 3:33:35 PM |
| thecid | $25.00 | $25.00 | 7/30/2009 8:42:25 PM |
| Arpad | $100.00 | $100.00 | 7/31/2009 6:22:14 AM |
| grf1945 | $25.00 | $25.00 | 7/31/2009 9:02:28 AM |
| the-silver-blaster | $25.00 | $25.00 | 7/31/2009 12:03:51 PM |
| virtualbank | $25.00 | $25.00 | 7/31/2009 4:30:18 PM |
| Okeey | $25.00 | $25.00 | 7/31/2009 7:06:02 PM |
| houli123 | $25.00 | $25.00 | 8/2/2009 10:20:11 AM |
| emunah6 | $25.00 | $25.00 | 8/2/2009 2:16:58 PM |
| meow8705 | $25.00 | $25.00 | 8/2/2009 11:40:15 AM |
| AndersenWatcher | $25.00 | $25.00 | 8/2/2009 2:30:30 PM |
| Kid_from_Texas | $62.85 | $62.85 | 8/2/2009 2:16:41 PM |
| dcoggins | $50.00 | $50.00 | 8/2/2009 6:29:45 PM |
| deepventures | $25.00 | $25.00 | 8/2/2009 9:10:29 PM |
| ManhattanLender | $25.00 | $25.00 | 8/2/2009 10:00:52 PM |
| hope-eagle6 | $25.00 | $25.00 | 8/3/2009 9:30:42 AM |
| ouiemyster06 | $50.00 | $50.00 | 8/3/2009 9:32:54 AM |
| Brainworm | $25.00 | $25.00 | 8/3/2009 11:36:18 AM |
| JJS180 | $25.00 | $25.00 | 8/3/2009 11:40:22 AM |
| cash-sensai2 | $25.00 | $25.00 | 8/3/2009 3:00:20 PM |
| Toony | $25.00 | $25.00 | 8/3/2009 2:55:59 PM |
| Feyenoord | $25.00 | $25.00 | 8/3/2009 1:25:45 PM |
| Sumach | $25.00 | $25.00 | 8/3/2009 5:42:51 PM |
| jldallover | $25.00 | $25.00 | 8/3/2009 5:43:50 PM |
| kaykarun | $50.00 | $50.00 | 8/3/2009 5:44:59 PM |
| YellowJacket | $25.00 | $25.00 | 8/3/2009 5:44:27 PM |
| neenerman | $25.00 | $25.00 | 8/3/2009 5:42:56 PM |
| USMC0311 | $25.00 | $25.00 | 8/3/2009 7:02:20 PM |
| bowdish1 | $45.05 | $45.05 | 8/3/2009 11:26:19 PM |
| palpbert | $25.00 | $25.00 | 8/3/2009 11:26:22 PM |
| aislinnn | $25.00 | $25.00 | 8/4/2009 6:15:23 AM |
| Boxhead | $25.00 | $25.00 | 8/4/2009 9:01:36 AM |
| Wart126 | $25.00 | $25.00 | 8/4/2009 5:10:14 AM |
| dumbass | $25.00 | $25.00 | 8/4/2009 11:05:22 AM |
| BlindProphet | $25.00 | $25.00 | 8/4/2009 11:53:11 AM |
| wormdc | $25.00 | $25.00 | 8/4/2009 10:40:19 AM |
| aesop | $25.00 | $25.00 | 8/4/2009 11:54:24 AM |
| soccerchamp213 | $25.00 | $25.00 | 8/4/2009 11:53:54 AM |
| jfd287 | $25.00 | $25.00 | 8/4/2009 11:54:41 AM |
| wjf60 | $28.23 | $28.23 | 8/4/2009 11:54:44 AM |
| PatRichi | $25.00 | $25.00 | 8/4/2009 12:05:58 PM |
| b-rent | $25.00 | $25.00 | 8/4/2009 4:17:28 PM |
| llequire1 | $200.00 | $200.00 | 8/4/2009 6:07:45 PM |
| fair_rates | $25.00 | $25.00 | 8/4/2009 6:10:11 PM |
| Kerensky | $100.00 | $100.00 | 8/4/2009 8:16:17 PM |
| TheBestDad | $25.00 | $25.00 | 8/4/2009 8:16:53 PM |
| rulender | $50.00 | $50.00 | 8/4/2009 8:21:09 PM |
| Sixmil | $25.00 | $25.00 | 8/4/2009 8:16:38 PM |
| danielamity | $25.00 | $25.00 | 8/4/2009 8:45:40 PM |
| woodenshoes | $26.26 | $26.26 | 8/5/2009 9:16:59 AM |
| money-shaker | $25.00 | $25.00 | 8/5/2009 7:31:16 AM |
| member874 | $25.00 | $25.00 | 8/5/2009 9:40:40 AM |
| gary500 | $26.42 | $26.42 | 8/5/2009 10:30:42 AM |
| CornerKetch | $25.00 | $25.00 | 8/5/2009 11:10:56 AM |
| giannyny | $25.00 | $25.00 | 8/5/2009 9:21:08 AM |
| cool_kubera | $50.00 | $1.41 | 8/5/2009 12:10:46 PM |
| outwish | $25.00 | $25.00 | 8/5/2009 4:25:47 PM |
| damage | $25.00 | $25.00 | 8/5/2009 4:25:13 PM |
| ojibwa | $25.00 | $25.00 | 8/5/2009 4:25:19 PM |
| dilbert17 | $25.00 | $25.00 | 8/5/2009 4:22:17 PM |
| Orringo | $25.00 | $25.00 | 8/5/2009 4:25:10 PM |
| nicklds | $37.86 | $37.86 | 8/5/2009 7:10:15 PM |
| BigSurf | $26.29 | $26.29 | 8/5/2009 7:53:24 PM |
| khamen | $25.00 | $25.00 | 8/5/2009 10:30:13 PM |
| busybee999 | $25.00 | $25.00 | 8/5/2009 11:47:37 PM |
| Bogdan | $25.00 | $25.00 | 8/6/2009 6:13:34 AM |
| bkb7484 | $25.00 | $25.00 | 8/6/2009 4:26:01 AM |
| shawnw2 | $25.00 | $25.00 | 8/6/2009 9:31:17 AM |
| scloans | $37.89 | $37.89 | 8/6/2009 4:07:44 PM |
| FundMaker | $30.00 | $30.00 | 8/6/2009 4:26:43 PM |
| Traveler30 | $25.00 | $25.00 | 8/6/2009 4:48:48 PM |
| bradwill | $50.00 | $50.00 | 8/6/2009 4:52:09 PM |
| MapleLaker | $50.00 | $50.00 | 8/6/2009 6:24:01 PM |
| PaulW | $25.00 | $25.00 | 8/6/2009 4:51:57 PM |
| Dollars4Rent | $25.00 | $25.00 | 8/6/2009 7:43:06 PM |
| crw1950 | $50.00 | $50.00 | 8/6/2009 9:19:55 PM |
| money-expert | $25.00 | $25.00 | 8/7/2009 4:43:57 AM |
| oldscratch72 | $25.00 | $25.00 | 8/7/2009 9:17:03 AM |
| best-generosity-financier | $50.00 | $50.00 | 8/7/2009 11:29:09 AM |
| slick8812 | $25.00 | $25.00 | 8/7/2009 12:11:25 PM |
| jmainc | $25.00 | $25.00 | 8/7/2009 1:01:56 PM |
| Ricajote | $50.00 | $50.00 | 8/7/2009 1:12:57 PM |
| VT2VA | $25.00 | $25.00 | 8/7/2009 1:22:32 PM |
| VT2VA | $25.00 | $25.00 | 8/7/2009 1:24:34 PM |
| busyguy07 | $25.00 | $25.00 | 8/7/2009 1:49:26 PM |
| rks125 | $29.20 | $29.20 | 8/7/2009 3:15:19 PM |
| jimbo29blue | $25.00 | $25.00 | 8/7/2009 3:51:07 PM |
| truth-companion | $25.00 | $25.00 | 7/24/2009 4:13:12 PM |
| puifais | $25.00 | $25.00 | 7/24/2009 4:14:07 PM |
| a-harmonious-deal | $25.00 | $25.00 | 7/24/2009 4:14:33 PM |
| Artist_Blue | $25.00 | $25.00 | 7/24/2009 4:13:23 PM |
| lagnisiruk | $25.00 | $25.00 | 7/24/2009 4:13:42 PM |
| rjleves | $25.00 | $25.00 | 7/24/2009 4:16:21 PM |
| zento | $25.00 | $25.00 | 7/24/2009 4:12:38 PM |
| turbostar666 | $50.00 | $50.00 | 7/24/2009 4:12:44 PM |
| turbospeed | $25.00 | $25.00 | 7/24/2009 4:16:44 PM |
| Credit2Prosper | $50.00 | $50.00 | 7/24/2009 4:17:10 PM |
| Avala | $25.00 | $25.00 | 7/24/2009 4:15:17 PM |
| Sid-K | $50.00 | $50.00 | 7/24/2009 4:14:27 PM |
| RoyFauntleroy | $25.00 | $25.00 | 7/24/2009 4:15:22 PM |
| DukSerduk | $25.00 | $25.00 | 7/24/2009 4:16:15 PM |
| kyomoon | $100.00 | $100.00 | 7/24/2009 4:16:54 PM |
| tylerfd | $25.00 | $25.00 | 7/27/2009 7:01:41 AM |
| windfall46 | $25.00 | $25.00 | 7/27/2009 9:52:22 AM |
| keyfig | $25.00 | $25.00 | 7/27/2009 12:02:29 PM |
| sloak | $25.00 | $25.00 | 7/27/2009 12:26:38 PM |
| incbx | $50.00 | $50.00 | 7/27/2009 12:26:45 PM |
| cyberie21 | $40.00 | $40.00 | 7/28/2009 4:32:55 PM |
| gilbow | $25.00 | $25.00 | 7/29/2009 12:52:49 PM |
| gravbox | $25.00 | $25.00 | 7/29/2009 2:06:34 PM |
| cheng | $25.00 | $25.00 | 7/29/2009 12:56:56 PM |
| zhiguli | $37.51 | $37.51 | 7/29/2009 8:52:29 PM |
| mrzz | $25.00 | $25.00 | 7/29/2009 9:57:08 PM |
| atlgator | $25.00 | $25.00 | 7/30/2009 1:12:00 PM |
| OCLend | $25.00 | $25.00 | 7/30/2009 3:07:58 PM |
| thedoctor | $25.00 | $25.00 | 7/30/2009 3:12:50 PM |
| SafeSaxa | $25.00 | $25.00 | 7/30/2009 10:21:30 PM |
| GElender | $50.00 | $50.00 | 7/31/2009 6:22:06 AM |
| sisepuede | $25.00 | $25.00 | 7/31/2009 9:31:59 AM |
| bigdogsafety1 | $42.92 | $42.92 | 7/31/2009 10:44:00 AM |
| square_panda | $25.00 | $25.00 | 7/31/2009 10:48:15 AM |
| mizount | $25.00 | $25.00 | 7/31/2009 12:11:52 PM |
| help_each_other | $25.00 | $25.00 | 7/31/2009 3:56:27 PM |
| slartibardfast | $30.00 | $30.00 | 7/31/2009 5:35:35 PM |
| Guiren | $50.00 | $50.00 | 7/31/2009 8:45:57 PM |
| Rips | $25.00 | $25.00 | 8/1/2009 6:26:27 AM |
| Hexnut | $50.00 | $50.00 | 8/1/2009 2:36:22 PM |
| skuba | $50.00 | $50.00 | 8/1/2009 11:50:28 PM |
| BoutYeBank | $25.00 | $25.00 | 8/2/2009 1:20:30 PM |
| Octavian315 | $50.00 | $50.00 | 8/2/2009 7:50:30 PM |
| YogaDude34 | $33.90 | $33.90 | 8/2/2009 10:01:25 PM |
| aajwm | $50.00 | $50.00 | 8/3/2009 3:20:24 AM |
| FecundFinancier | $25.00 | $25.00 | 8/3/2009 6:30:44 AM |
| jblack01 | $25.00 | $25.00 | 8/3/2009 7:45:23 AM |
| greenwell | $50.00 | $50.00 | 8/3/2009 6:40:15 AM |
| Iwantahelp | $25.00 | $25.00 | 8/3/2009 9:00:22 AM |
| Algaes | $25.00 | $25.00 | 8/3/2009 8:25:21 AM |
| SKAGIT22 | $25.00 | $25.00 | 8/3/2009 5:40:22 PM |
| wise-silver-wonder | $25.00 | $25.00 | 8/3/2009 5:40:25 PM |
| hope-amigo | $25.00 | $25.00 | 8/3/2009 5:43:15 PM |
| sparky1129 | $25.00 | $25.00 | 8/3/2009 5:44:02 PM |
| charb57 | $27.98 | $27.98 | 8/3/2009 5:45:13 PM |
| Msbutterfly | $25.00 | $25.00 | 8/3/2009 5:45:21 PM |
| Binan | $25.00 | $25.00 | 8/3/2009 5:44:28 PM |
| JustOneVoice | $25.00 | $25.00 | 8/3/2009 8:35:36 PM |
| 52digital | $25.00 | $25.00 | 8/4/2009 5:10:10 AM |
| TheRiver08 | $25.00 | $25.00 | 8/3/2009 10:15:31 PM |
| kindofaloaner | $25.00 | $25.00 | 8/4/2009 10:40:21 AM |
| durable-trade | $25.00 | $25.00 | 8/4/2009 11:51:20 AM |
| authentic-deal8 | $25.00 | $25.00 | 8/4/2009 11:53:07 AM |
| Sigonio | $25.00 | $25.00 | 8/4/2009 11:53:52 AM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 8/4/2009 11:53:57 AM |
| leftcoast52 | $25.00 | $25.00 | 8/4/2009 11:42:40 AM |
| LordKinbote | $25.00 | $25.00 | 8/4/2009 4:17:46 PM |
| NATIVEBORN | $50.00 | $50.00 | 8/4/2009 4:16:57 PM |
| fotep-financial | $25.00 | $25.00 | 8/4/2009 6:45:13 PM |
| Jassi | $50.00 | $50.00 | 8/4/2009 7:00:14 PM |
| juiceman818 | $25.00 | $25.00 | 8/4/2009 5:31:08 PM |
| tornandfrayed | $25.00 | $25.00 | 8/4/2009 7:05:38 PM |
| qkinger | $50.00 | $50.00 | 8/4/2009 6:27:57 PM |
| minista | $25.00 | $25.00 | 8/4/2009 8:16:58 PM |
| cny_loans | $25.00 | $25.00 | 8/4/2009 8:16:44 PM |
| Goodlender42 | $25.00 | $25.00 | 8/4/2009 7:05:22 PM |
| Faura | $25.00 | $25.00 | 8/4/2009 8:50:12 PM |
| wwwUniversal | $25.00 | $25.00 | 8/4/2009 8:45:33 PM |
| wirelessmoney | $50.00 | $50.00 | 8/5/2009 8:11:33 AM |
| TJ-Financial-Group | $46.06 | $46.06 | 8/5/2009 3:40:10 AM |
| Jynxie | $25.75 | $25.75 | 8/5/2009 9:18:54 AM |
| Railbird | $25.00 | $25.00 | 8/5/2009 12:10:32 PM |
| fireupthegrill | $25.00 | $25.00 | 8/5/2009 4:24:02 PM |
| jswanso2 | $25.00 | $25.00 | 8/5/2009 4:24:10 PM |
| timmydaddy | $25.00 | $25.00 | 8/5/2009 4:25:13 PM |
| MT1130 | $25.00 | $25.00 | 8/5/2009 4:25:27 PM |
| pakrbkr | $25.00 | $25.00 | 8/5/2009 4:26:12 PM |
| zeelender | $25.00 | $25.00 | 8/5/2009 4:26:40 PM |
| ossobuco | $25.00 | $25.00 | 8/6/2009 2:17:29 PM |
| rockhound84 | $50.00 | $50.00 | 8/6/2009 2:45:59 PM |
| matthewrburk | $253.64 | $253.64 | 8/6/2009 12:50:26 PM |
| paramjit | $71.58 | $71.58 | 8/6/2009 5:48:35 PM |
| yield-quest | $25.00 | $25.00 | 8/6/2009 9:13:33 PM |
| platinum-waterfall | $50.00 | $50.00 | 8/6/2009 7:36:03 PM |
| Kelor99 | $25.00 | $25.00 | 8/6/2009 7:50:30 PM |
| WhiteFang34 | $100.00 | $100.00 | 8/7/2009 2:26:23 AM |
| Auditman | $50.00 | $50.00 | 8/7/2009 5:27:46 AM |
| YummiBear | $25.00 | $25.00 | 8/7/2009 4:57:43 AM |
| cash2lendu | $25.00 | $25.00 | 8/7/2009 6:56:51 AM |
| cash2lendu | $25.00 | $25.00 | 8/7/2009 7:15:36 AM |
| dhallii | $38.00 | $38.00 | 8/7/2009 8:05:16 AM |
| Lotsofbears | $25.00 | $25.00 | 8/7/2009 7:37:42 AM |
| crazybunga | $25.00 | $25.00 | 8/7/2009 9:32:07 AM |
| octoberfresh | $25.00 | $25.00 | 8/7/2009 9:13:43 AM |
| simiray | $25.00 | $25.00 | 8/7/2009 10:19:14 AM |
| jrlvnv | $25.00 | $25.00 | 8/7/2009 11:16:03 AM |
| SkipMcGrath | $50.00 | $50.00 | 8/7/2009 11:22:15 AM |
| jpjazzman | $25.00 | $25.00 | 8/7/2009 11:55:16 AM |
| senior1 | $25.00 | $25.00 | 8/7/2009 11:28:28 AM |
| John_14_6 | $25.00 | $25.00 | 8/7/2009 11:39:13 AM |
| stemper | $50.00 | $50.00 | 8/7/2009 12:22:19 PM |
| rtb892 | $25.00 | $25.00 | 8/7/2009 12:34:54 PM |
| sunnysally | $50.00 | $50.00 | 8/7/2009 1:22:28 PM |
| kander80 | $25.00 | $25.00 | 8/7/2009 1:58:28 PM |
| maga | $60.00 | $60.00 | 8/7/2009 2:48:31 PM |
| lancetc | $25.00 | $25.00 | 8/7/2009 3:23:53 PM |
| MoneyForNothing | $25.00 | $25.00 | 8/7/2009 2:53:41 PM |
| unfixer | $25.00 | $25.00 | 8/7/2009 3:47:50 PM |
| libertas67 | $25.00 | $25.00 | 8/7/2009 3:46:17 PM |
| Discinc | $200.00 | $200.00 | 8/7/2009 3:54:07 PM |
| 247 bids
|
Borrower Payment Dependent Notes Series
418072
This series of Notes was issued and sold upon the funding of the borrower loan #38176, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| B |
Auction start date:
| Jul-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Aug-10-2009 |
|
|
Starting lender yield:
| 12.97% |
Starting borrower rate/APR:
| 13.97% / 16.13% |
Starting monthly payment:
| $119.57 |
|
Final lender yield:
| 12.97% |
Final borrower rate/APR:
| 13.97% / 16.13% |
Final monthly payment:
| $119.57 |
| |
|
Auction yield range:
| 6.23% - 12.97% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.75% | | |
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:
| Jan-1987 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 11
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 11y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,217 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 35% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| vanillabeam |
Borrower's state:
| Georgia |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 36 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $3,001.00 | < mo. late:
| 0
( 0% )
| 620-640
(Aug-2008)
620-640
(Jun-2006)
540-560
(May-2006)
620-640
(May-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Vanilla
Hello Everyone,
I have been a member since 2006. My first loan helped me get my daughter off to college and do some home repairs. I have never missed or been late on any of my paymets. In fact every now and then I just log on to my account and pay before the due date. I recently paid off my loan but as you all may know as soon as you get one thing paid off there is something else waiting and needing to be done. My roof is in need of replacing and my daughter will soon be headed back to college.
Reaching out to help a total stranger speaks volumes and I really appreciated any and all offers extended to me the first time and now my second request. Even through this tough ecnomical time I remain employed by a great company for more than 11 years.Thanks for any consideration and taking the time to review my loan.
Vanilla
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:
Congratulations on pulling your score up!
There is a public record in your past. Please comment on that. - MsTabbyKats
A:
Hi MsTabbyKats,
Thanks I have really worked hard to get my score up. That public record is from a tax lien posted back in 2004 I beilieve, although it was paid off that same year, it will remain on my file for 7 years. I'm looking forward to having it removed.
(Aug-04-2009)
Q:
Do you plan on keeping this loan for the full 36 months? - MsTabbyKats
A:
Yes I do MSTabbyKats, unless I'm lucky enough to win the lottery. Thanks for your bid!!
(Aug-05-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Credit2Prosper | $50.00 | $50.00 | 7/27/2009 1:02:16 PM |
| chkrvrty | $25.00 | $25.00 | 7/27/2009 1:04:08 PM |
| totoro | $25.00 | $25.00 | 7/27/2009 1:06:50 PM |
| Flying_Tilapia | $100.00 | $100.00 | 7/28/2009 1:00:45 AM |
| outofoffice | $75.00 | $75.00 | 7/30/2009 1:36:58 PM |
| MidnightBank | $25.00 | $25.00 | 8/2/2009 8:00:27 PM |
| AlBRich | $25.00 | $25.00 | 8/4/2009 7:47:02 AM |
| Syzygy | $25.00 | $25.00 | 8/4/2009 2:15:09 PM |
| MsTabbyKats | $25.00 | $25.00 | 8/5/2009 1:18:59 PM |
| ONECENTATATIME | $80.00 | $80.00 | 8/5/2009 2:34:54 PM |
| Helenska11 | $60.00 | $60.00 | 8/6/2009 4:21:59 PM |
| Kelor99 | $25.00 | $25.00 | 8/6/2009 8:18:08 PM |
| whazarook | $25.00 | $25.00 | 8/6/2009 9:46:39 PM |
| edsmoney | $100.00 | $100.00 | 8/7/2009 6:16:59 AM |
| aganippe | $50.00 | $50.00 | 8/7/2009 9:28:03 AM |
| rangers94 | $25.00 | $25.00 | 8/8/2009 4:00:12 AM |
| FOFagent1 | $38.02 | $38.02 | 8/7/2009 8:38:02 PM |
| jralending | $25.69 | $25.69 | 8/8/2009 2:51:38 PM |
| myduck | $75.00 | $75.00 | 8/9/2009 3:43:17 PM |
| qkinger | $50.00 | $50.00 | 8/9/2009 12:49:18 PM |
| midifool | $25.00 | $25.00 | 8/9/2009 12:15:27 PM |
| spiff666 | $25.00 | $25.00 | 8/9/2009 4:58:21 PM |
| gt5149c | $25.00 | $25.00 | 8/10/2009 4:29:36 AM |
| amlu1988 | $50.00 | $50.00 | 8/10/2009 7:24:16 AM |
| EretzCapital | $150.00 | $150.00 | 8/10/2009 7:17:57 AM |
| note-pursuit | $25.00 | $25.00 | 8/10/2009 9:20:46 AM |
| lifegrowth | $50.00 | $50.00 | 8/10/2009 9:47:42 AM |
| skaught | $80.00 | $80.00 | 8/10/2009 12:30:47 PM |
| skaught | $300.00 | $244.41 | 8/10/2009 12:55:09 PM |
| kindness-jedi | $25.00 | $25.00 | 8/10/2009 11:09:44 AM |
| jetblack | $50.00 | $50.00 | 8/10/2009 11:40:36 AM |
| skaught | $100.00 | $100.00 | 8/10/2009 12:50:25 PM |
| Occhy | $50.00 | $50.00 | 7/27/2009 1:17:52 PM |
| LibbyZ | $50.00 | $50.00 | 7/29/2009 8:52:35 PM |
| BankOfShaun | $25.00 | $25.00 | 7/30/2009 10:54:47 AM |
| Spring342 | $50.00 | $50.00 | 8/2/2009 8:37:57 AM |
| LendingP2P | $75.00 | $75.00 | 8/2/2009 11:51:20 AM |
| investment-cluster | $25.00 | $25.00 | 8/6/2009 4:43:51 PM |
| massuot | $50.00 | $50.00 | 8/7/2009 8:47:13 AM |
| Oakland | $50.00 | $50.00 | 8/7/2009 6:09:58 PM |
| the-owner | $25.00 | $25.00 | 8/8/2009 1:13:41 AM |
| COCHINOBOY | $200.00 | $200.00 | 8/7/2009 8:43:32 PM |
| Galdis | $50.00 | $50.00 | 8/8/2009 4:43:59 AM |
| JustMee | $25.00 | $25.00 | 8/8/2009 12:20:14 PM |
| suburbanman64 | $50.00 | $50.00 | 8/9/2009 8:02:51 AM |
| fireman4 | $35.00 | $35.00 | 8/9/2009 11:58:48 AM |
| BuffetRocks | $200.00 | $200.00 | 8/9/2009 11:16:47 PM |
| bobnewt | $50.00 | $50.00 | 8/10/2009 5:01:39 AM |
| Lend_Dan | $50.00 | $50.00 | 8/10/2009 5:51:17 AM |
| Loan_shark718 | $50.00 | $50.00 | 8/10/2009 4:26:49 AM |
| ericd523 | $40.00 | $40.00 | 8/10/2009 9:26:48 AM |
| Nickel8 | $25.00 | $25.00 | 8/10/2009 9:50:33 AM |
| SS123 | $50.00 | $50.00 | 8/10/2009 10:37:39 AM |
| Sven79 | $321.88 | $321.88 | 8/10/2009 11:39:02 AM |
| redwraith | $25.00 | $25.00 | 8/10/2009 12:26:25 PM |
| maga | $100.00 | $100.00 | 8/10/2009 12:43:23 PM |
| unfixer | $25.00 | $25.00 | 8/10/2009 11:00:58 AM |
| dudebrah | $25.00 | $25.00 | 8/10/2009 12:39:16 PM |
| 58 bids
|
Borrower Payment Dependent Notes Series
418222
This series of Notes was issued and sold upon the funding of the borrower loan #38208, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Jul-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-10-2009 |
|
|
Starting lender yield:
| 7.17% |
Starting borrower rate/APR:
| 8.17% / 10.25% |
Starting monthly payment:
| $62.83 |
|
Final lender yield:
| 6.15% |
Final borrower rate/APR:
| 7.15% / 9.22% |
Final monthly payment:
| $61.89 |
| |
|
Auction yield range:
| 3.23% - 7.17% |
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:
| Dec-1990 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 17
/
17 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 41 | Length of status: | 7y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $41,694 |
Occupation: | Principal |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 51% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| systematic-treasure |
Borrower's state:
| Indiana |
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
paving driveway
Purpose of loan:
This loan will be used to? pave my driveway. I have been putting thousands of dollars into my home out of my own pocket for the past three years and this is my last project!
My financial situation:
I am a good candidate for this loan because? My wife and I make approximatley $108,000 annually. Both of our jobs are stable. I have been in education for the past 15 years. I just finished my Master's degree two years ago and paid for that out of pocket, so I drained my savings for that. My wife has been in physical therapy for the past 10 years.
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) |
|
| Sid-K | $50.00 | $50.00 | 7/27/2009 1:00:56 PM |
| totoro | $25.00 | $25.00 | 7/27/2009 1:01:39 PM |
| shadowflame_99 | $25.00 | $25.00 | 7/27/2009 1:02:44 PM |
| larrybird | $250.00 | $71.13 | 7/27/2009 1:03:06 PM |
| sas19 | $25.00 | $25.00 | 7/27/2009 1:00:48 PM |
| bchen78875 | $50.00 | $50.00 | 7/27/2009 1:01:11 PM |
| Avala | $25.00 | $25.00 | 7/27/2009 1:01:15 PM |
| fortytwo | $125.00 | $125.00 | 7/27/2009 1:03:00 PM |
| UncleSafety | $100.00 | $100.00 | 7/27/2009 5:21:02 PM |
| plbquic | $50.00 | $50.00 | 7/28/2009 1:53:47 PM |
| helpful-dough | $50.00 | $50.00 | 7/29/2009 8:50:40 PM |
| HealthAndSafety | $50.00 | $50.00 | 8/6/2009 7:23:31 PM |
| soilchem | $25.00 | $25.00 | 8/7/2009 4:37:10 PM |
| koa | $50.00 | $50.00 | 8/7/2009 8:39:38 PM |
| Druidsoft | $100.00 | $100.00 | 8/8/2009 6:09:28 PM |
| bambampk | $25.00 | $25.00 | 8/8/2009 9:13:09 PM |
| carmat60 | $25.00 | $25.00 | 8/9/2009 12:46:50 AM |
| brother_tam | $50.00 | $50.00 | 8/9/2009 8:06:39 AM |
| scref | $25.00 | $25.00 | 8/9/2009 5:33:28 PM |
| octoberfresh | $25.00 | $25.00 | 8/10/2009 6:41:11 AM |
| krishopper | $25.00 | $25.00 | 7/27/2009 1:00:20 PM |
| DukSerduk | $25.00 | $25.00 | 7/27/2009 1:01:45 PM |
| rjleves | $25.00 | $25.00 | 7/27/2009 1:01:50 PM |
| tallcoolone | $25.00 | $25.00 | 7/27/2009 1:02:02 PM |
| kyomoon | $100.00 | $100.00 | 7/27/2009 1:02:10 PM |
| seineil | $50.00 | $50.00 | 7/28/2009 3:10:17 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 7/28/2009 5:38:39 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/28/2009 9:52:19 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 7/28/2009 9:52:02 AM |
| RandyL3 | $25.00 | $25.00 | 7/28/2009 11:58:06 AM |
| YummiBear | $25.00 | $25.00 | 7/29/2009 8:43:25 PM |
| sgmm330 | $50.00 | $50.00 | 7/29/2009 9:40:40 PM |
| tedi-tif | $50.00 | $50.00 | 7/30/2009 8:54:10 AM |
| StarFundingSource | $25.00 | $25.00 | 7/30/2009 9:07:52 AM |
| IceFisherman | $50.00 | $50.00 | 8/3/2009 11:05:39 AM |
| imyorleadr | $25.00 | $25.00 | 8/4/2009 9:27:43 AM |
| JCPlending | $25.00 | $25.00 | 8/5/2009 4:24:40 PM |
| MCFinance27 | $75.00 | $75.00 | 8/6/2009 5:25:39 PM |
| Banker3119 | $25.00 | $25.00 | 8/7/2009 6:57:40 AM |
| springpanda | $50.00 | $50.00 | 8/7/2009 1:33:45 PM |
| NoNameLender | $53.87 | $53.87 | 8/7/2009 4:26:26 PM |
| khamlagirl | $50.00 | $50.00 | 8/7/2009 7:10:04 PM |
| investmentgroup | $50.00 | $50.00 | 8/8/2009 6:12:36 AM |
| Marco83 | $50.00 | $50.00 | 8/8/2009 1:45:10 PM |
| Galdis | $50.00 | $50.00 | 8/9/2009 9:44:57 PM |
| MacBrandon | $25.00 | $25.00 | 8/9/2009 8:56:23 PM |
| 46 bids
|
Borrower Payment Dependent Notes Series
418288
This series of Notes was issued and sold upon the funding of the borrower loan #38193, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-07-2009 |
|
|
Starting lender yield:
| 24.51% |
Starting borrower rate/APR:
| 25.51% / 29.42% |
Starting monthly payment:
| $40.03 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 24.81% |
Final monthly payment:
| $37.68 |
| |
|
Auction yield range:
| 8.23% - 24.51% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.03% | | |
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:
| Feb-1990 |
Debt/Income ratio:
| 51% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 20
/
18 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 43 | Length of status: | 14y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $32,842 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 91% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| nexus2 |
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.
Description
School expenses for sons
Purpose of loan:
This loan will be used to? buy school clothes and supplies for my sons; one will be a HS Freshman who is an avid soccer player and the other will be in 8th grade.
My financial situation:
I am a good candidate for this loan because? I have been with the same employer for over fourteen years. I am current with all of my financial obligations and believe that paying one's obligations is a definite must. I am currently making a concentrated effort to reduce my debt (hoping to be debt free in the next few years) and increase my credit score.
Monthly net income: $ 6886 Including spouses income
Monthly expenses: $
Housing: $ 1267
Insurance: $ 300
Car expenses: $0
Utilities: $300
Phone, cable, internet: $ 150
Food, entertainment: $ 300
Clothing, household expenses $ 50
Credit cards and other loans: $ 1633
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) |
|
| realtormoises | $25.00 | $25.00 | 7/30/2009 7:40:50 AM |
| bondhedger | $25.00 | $25.00 | 7/30/2009 9:47:00 AM |
| Loan_Stranger | $50.00 | $50.00 | 7/30/2009 5:34:42 PM |
| _SriBank_ | $200.00 | $200.00 | 8/1/2009 8:12:40 AM |
| Nicedad72 | $25.00 | $25.00 | 8/1/2009 5:45:18 PM |
| CMDCO | $50.00 | $50.00 | 8/3/2009 9:32:17 AM |
| bbrelo | $25.00 | $25.00 | 8/4/2009 1:19:01 PM |
| bartenderpro | $25.00 | $25.00 | 8/4/2009 9:13:47 PM |
| hopheadmike | $26.00 | $26.00 | 8/6/2009 12:03:38 PM |
| Gregger | $61.12 | $61.12 | 8/6/2009 10:42:42 AM |
| sknop64 | $25.00 | $25.00 | 8/6/2009 6:48:43 PM |
| Bank_Of_XL | $100.00 | $100.00 | 7/27/2009 7:20:45 PM |
| IPG1 | $50.00 | $50.00 | 7/28/2009 9:51:42 AM |
| econgineer | $46.66 | $46.66 | 7/28/2009 10:14:09 AM |
| whois-JohnGalt | $25.00 | $25.00 | 7/29/2009 9:49:18 AM |
| crazor | $25.00 | $25.00 | 7/29/2009 9:28:37 PM |
| Massagetherapist | $100.00 | $49.22 | 7/31/2009 9:33:57 AM |
| junes08 | $25.00 | $25.00 | 8/4/2009 7:45:58 AM |
| the-problem-solver | $67.00 | $67.00 | 8/5/2009 7:05:55 AM |
| PackFan13 | $25.00 | $25.00 | 8/6/2009 1:27:34 PM |
| dpjd | $50.00 | $50.00 | 8/6/2009 12:27:30 PM |
| 21 bids
|
Borrower Payment Dependent Notes Series
418320
This series of Notes was issued and sold upon the funding of the borrower loan #38198, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-10-2009 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $79.52 |
|
Final lender yield:
| 24.00% |
Final borrower rate/APR:
| 25.00% / 27.31% |
Final monthly payment:
| $79.52 |
| |
|
Auction yield range:
| 8.23% - 24.00% |
Estimated loss impact:
| 7.07% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.93% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Feb-1978 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 19
/
17 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $30,945 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 77% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| hopheadmike |
Borrower's state:
| California |
Borrower's group:
| Large Money Loans for AA,A,B,C & D Credits |
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 high int, credit cards
Purpose of loan:
This loan will be used to? pay off a few creditcards with over 29% interest
My financial situation:
I am a good candidate for this loan because? I have loaned out over 3000 dollars on prosper and would like to get my own credit in line
Monthly net income: $ 6666
Monthly expenses: $
Housing: $ 2463
Insurance: $ 60
Car expenses: $ 450
Utilities: $ 200 Phone, cable, internet: $ 100
Food, entertainment: $ 200
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
Q:
Please list the current balance, interest rate, and minimum payments of the debts you plan to refinance. - Loan_Stranger
A:
I guess I would start by paying off my sears account which is 23.24%. I would like to get more money to pay off other bills but I need to see if i can get this loan first as I ask for higher amounts Prosper says i dont quilfy
(Aug-01-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DonTraveler99 | $50.00 | $50.00 | 7/27/2009 4:48:22 PM |
| kazanov | $25.00 | $25.00 | 8/6/2009 8:44:03 PM |
| Madron | $75.00 | $75.00 | 8/7/2009 3:03:05 PM |
| investment-cluster | $25.00 | $6.14 | 8/7/2009 4:53:50 PM |
| Bank_Of_XL | $100.00 | $100.00 | 8/9/2009 8:06:46 AM |
| kazanov | $25.00 | $25.00 | 8/9/2009 9:49:57 PM |
| BuffetRocks | $150.00 | $150.00 | 8/9/2009 11:19:26 PM |
| tuxedojr1 | $25.00 | $25.00 | 8/10/2009 8:43:25 AM |
| lifegrowth | $25.00 | $25.00 | 8/10/2009 10:40:57 AM |
| skaught | $55.59 | $55.59 | 8/10/2009 1:30:55 PM |
| btormc5 | $50.00 | $50.00 | 8/10/2009 1:55:48 PM |
| oregonusa | $25.00 | $25.00 | 8/10/2009 2:01:02 PM |
| myduck | $75.00 | $75.00 | 8/10/2009 3:53:17 PM |
| monstersdad | $50.00 | $50.00 | 8/10/2009 4:05:27 PM |
| thomas16882004 | $40.70 | $40.70 | 8/10/2009 4:05:45 PM |
| tnjohnso | $25.00 | $25.00 | 7/27/2009 4:12:05 PM |
| stonehillloans | $30.00 | $30.00 | 7/28/2009 1:57:03 AM |
| Loan_Stranger | $50.00 | $50.00 | 8/2/2009 2:30:47 PM |
| IPG1 | $25.00 | $25.00 | 8/2/2009 8:55:10 PM |
| rhin0cerx | $50.00 | $50.00 | 8/3/2009 6:05:27 PM |
| bartenderpro | $25.00 | $25.00 | 8/4/2009 9:27:25 PM |
| eyal0 | $67.57 | $67.57 | 8/7/2009 2:33:25 PM |
| Bank_of_T | $50.00 | $50.00 | 8/8/2009 3:57:42 AM |
| thomas16882004 | $500.00 | $500.00 | 8/10/2009 3:34:46 PM |
| kindness-jedi | $50.00 | $50.00 | 8/10/2009 3:40:13 PM |
| PrinceValium | $25.00 | $25.00 | 8/10/2009 1:21:45 PM |
| thomas16882004 | $300.00 | $300.00 | 8/10/2009 4:04:29 PM |
| srthsvghdthtr | $25.00 | $25.00 | 8/10/2009 4:05:29 PM |
| 28 bids
|
Borrower Payment Dependent Notes Series
418420
This series of Notes was issued and sold upon the funding of the borrower loan #38185, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Auction start date:
| Jul-28-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-09-2009 |
|
|
Starting lender yield:
| 9.42% |
Starting borrower rate/APR:
| 10.42% / 12.53% |
Starting monthly payment:
| $81.16 |
|
Final lender yield:
| 8.40% |
Final borrower rate/APR:
| 9.40% / 11.50% |
Final monthly payment:
| $79.97 |
| |
|
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:
| 9 |
First credit line:
| Dec-1986 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 780-800 (Jul-2009) |
Current / open credit lines:
| 18
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 38 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,644 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 7% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| worth-circuitry |
Borrower's state:
| Texas |
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
Need a little help from my friends
Purpose of loan:
This loan will be used to? consolidate two credit cards bills that I need to get taken care of and I will be on my way to being debt free.
My financial situation:
I am a good candidate for this loan because? I work full time and have worked in the same field for 19 years--almost 20. I have only had two jobs and I left the first one for the second one to make twice the pay I was making at the first one. I am a library director, well respected, honest and pay my bills on time. My home is paid for.
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:
In 'borrower's invo' it states "Home Ownership: No" but under your description you say your home is paid for. Which is it please? - woolfarm
A:
My home is paid for. We built it in 1975 and my husband was a contractor. Never owed a note. Paid as he went.
(Jul-28-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| fortytwo | $125.00 | $125.00 | 7/28/2009 4:22:48 PM |
| sas19 | $25.00 | $25.00 | 7/28/2009 4:24:12 PM |
| Sid-K | $50.00 | $50.00 | 7/28/2009 4:24:24 PM |
| bchen78875 | $50.00 | $50.00 | 7/28/2009 4:24:57 PM |
| tallcoolone | $25.00 | $25.00 | 7/28/2009 4:25:42 PM |
| elated-justice | $25.00 | $25.00 | 7/28/2009 4:27:42 PM |
| cyberie21 | $40.00 | $9.49 | 7/28/2009 4:33:13 PM |
| Syzygy | $25.00 | $25.00 | 7/28/2009 4:24:31 PM |
| Avala | $25.00 | $25.00 | 7/28/2009 4:25:05 PM |
| rjleves | $25.00 | $25.00 | 7/28/2009 4:25:26 PM |
| Artist_Blue | $25.00 | $25.00 | 7/28/2009 4:26:10 PM |
| orangemutt | $25.00 | $25.00 | 7/30/2009 6:26:51 PM |
| thewinerackcompany | $75.00 | $75.00 | 7/30/2009 6:50:22 PM |
| generosity-harbor | $25.00 | $25.00 | 7/31/2009 12:39:50 PM |
| bankojerry | $50.00 | $50.00 | 7/31/2009 3:06:46 PM |
| DonaldColorado | $100.00 | $100.00 | 7/31/2009 3:40:53 PM |
| outofoffice | $50.00 | $50.00 | 7/31/2009 7:09:23 PM |
| freetolive | $25.00 | $25.00 | 7/31/2009 10:39:01 PM |
| judoman | $50.00 | $50.00 | 8/1/2009 8:20:40 AM |
| eCapital | $25.00 | $25.00 | 8/1/2009 3:36:27 PM |
| goodcents | $25.00 | $25.00 | 8/1/2009 4:52:03 PM |
| roadster199 | $25.00 | $25.00 | 8/3/2009 6:55:09 PM |
| Cbank05 | $25.00 | $25.00 | 8/3/2009 7:03:51 PM |
| money-watcher | $25.00 | $25.00 | 8/4/2009 6:09:33 PM |
| qkinger | $50.00 | $50.00 | 8/4/2009 6:14:49 PM |
| Approved | $75.00 | $75.00 | 8/4/2009 8:00:33 PM |
| MmeArgent | $50.00 | $50.00 | 8/7/2009 1:54:57 PM |
| ITFDEE | $25.00 | $25.00 | 8/7/2009 3:25:00 PM |
| kleinguy | $34.29 | $34.29 | 8/7/2009 4:32:56 PM |
| dave11235 | $50.00 | $50.00 | 8/7/2009 9:27:45 PM |
| bossyboots01 | $50.00 | $50.00 | 8/9/2009 11:03:46 AM |
| statenisland51 | $50.00 | $50.00 | 8/9/2009 12:20:50 PM |
| totoro | $25.00 | $25.00 | 7/28/2009 4:25:18 PM |
| DukSerduk | $25.00 | $25.00 | 7/28/2009 4:25:23 PM |
| kyomoon | $100.00 | $100.00 | 7/28/2009 4:25:54 PM |
| abuyama22 | $25.00 | $25.00 | 7/28/2009 4:26:52 PM |
| 888168 | $50.00 | $50.00 | 7/28/2009 4:27:23 PM |
| krishopper | $25.00 | $25.00 | 7/28/2009 4:27:27 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 7/28/2009 4:27:29 PM |
| JMY1 | $25.00 | $25.00 | 7/28/2009 5:07:42 PM |
| peb44 | $25.00 | $25.00 | 7/30/2009 3:37:25 PM |
| misohoni | $48.02 | $48.02 | 8/1/2009 3:09:22 PM |
| SanJoser | $100.00 | $100.00 | 8/2/2009 10:06:30 AM |
| SQUISHEE_JELLO | $25.00 | $25.00 | 8/3/2009 1:09:41 PM |
| Snoopylover | $25.00 | $25.00 | 8/3/2009 5:11:52 PM |
| ITS-A-WONDERFUL-LIFE | $50.00 | $50.00 | 8/3/2009 11:07:48 PM |
| gavinsp | $25.00 | $25.00 | 8/4/2009 7:54:21 AM |
| shag2 | $50.00 | $50.00 | 8/4/2009 10:39:07 AM |
| packrs1 | $50.00 | $50.00 | 8/4/2009 2:25:40 PM |
| RandyL3 | $25.00 | $25.00 | 8/4/2009 4:12:31 PM |
| Dollars4Rent | $25.00 | $25.00 | 8/4/2009 7:38:18 PM |
| the-problem-solver | $55.95 | $55.95 | 8/5/2009 7:03:30 AM |
| betheanswer | $50.00 | $50.00 | 8/5/2009 7:23:39 AM |
| dannyboy_997 | $25.00 | $25.00 | 8/5/2009 7:38:24 AM |
| khamen | $25.00 | $25.00 | 8/5/2009 10:19:45 PM |
| alands94 | $25.00 | $25.00 | 8/6/2009 4:09:35 AM |
| turbospeed | $25.00 | $25.00 | 8/7/2009 12:58:48 AM |
| jude0624 | $27.25 | $27.25 | 8/7/2009 7:33:08 AM |
| plbquic | $50.00 | $50.00 | 8/7/2009 1:08:30 PM |
| gpuck | $25.00 | $25.00 | 8/7/2009 3:19:16 PM |
| wildanne | $50.00 | $50.00 | 8/7/2009 8:07:40 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/8/2009 1:27:11 AM |
| myidear | $25.00 | $25.00 | 8/9/2009 4:18:43 AM |
| memoe | $25.00 | $25.00 | 8/9/2009 3:58:27 PM |
| 64 bids
|
Borrower Payment Dependent Notes Series
418880
This series of Notes was issued and sold upon the funding of the borrower loan #38191, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Jul-31-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-10-2009 |
|
|
Starting lender yield:
| 17.88% |
Starting borrower rate/APR:
| 18.88% / 22.64% |
Starting monthly payment:
| $36.60 |
|
Final lender yield:
| 17.00% |
Final borrower rate/APR:
| 18.00% / 21.74% |
Final monthly payment:
| $36.15 |
| |
|
Auction yield range:
| 8.23% - 17.88% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 9 |
Total credit lines:
| 21 | Length of status: | 2y 7m |
|
Amount delinquent:
| $644 |
Revolving credit balance:
| $6,275 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 38% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 38 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| interestenstein |
Borrower's state:
| NewYork |
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
Wedding/engage. ring (gay wedding)
Purpose of loan:
This loan will be used to fund an engagement/wedding ring (we're using one ring for both) for my partner. I really just need $700 from this total amount so the extra $300 will be set aside immediately to allow me to pay back this loan. I'm using a friend to design/make the ring so the cost will be lower than other places, but I need to pay him really soon because he's waiting on me to cast the ring in gold (and my partner's ringless!).
My financial situation:
I have a lower credit score because of my college loans and some bad credit card decisions on my part (while I was still in college...). Despite my debt, things are stable now and I will be able to set aside $100 every month to pay this back (while paying off my other debt).
Monthly net income: $2,860
Monthly expenses:
??Rent: $630/month rent
??Utilities: $70/month (electric + gas)
??Phone, cable, internet: $160/month
??Student loans: $892
Thank you.
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:
Congrats... when's the big day ?? - whirlingdervish
A:
Thank you. :) We haven't gotten that far with the planning yet. Trying to get this ring first, then the rest will follow. Also hoping NY state will legalize same-sex marriage soon...
(Aug-08-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Rips | $25.00 | $25.00 | 7/31/2009 3:56:54 PM |
| SNH | $25.00 | $25.00 | 7/31/2009 3:57:01 PM |
| puifais | $25.00 | $25.00 | 7/31/2009 3:57:06 PM |
| PalmTreeIsland | $31.77 | $31.77 | 7/31/2009 3:57:13 PM |
| rmachi | $25.00 | $25.00 | 7/31/2009 3:57:08 PM |
| able2help | $25.00 | $25.00 | 7/31/2009 3:57:18 PM |
| mlsstelulah | $25.00 | $25.00 | 7/31/2009 3:56:53 PM |
| grf1945 | $25.00 | $25.00 | 7/31/2009 3:57:44 PM |
| gilbow | $25.00 | $25.00 | 7/31/2009 3:57:00 PM |
| unclejaef | $25.00 | $25.00 | 7/31/2009 3:57:07 PM |
| d_grbg | $35.00 | $35.00 | 7/31/2009 3:57:15 PM |
| Syzygy | $25.00 | $25.00 | 7/31/2009 5:35:20 PM |
| ladybug838 | $25.00 | $25.00 | 7/31/2009 9:27:37 PM |
| happy2loan | $27.22 | $27.22 | 8/4/2009 5:27:35 PM |
| mrbigcup | $30.15 | $30.15 | 8/4/2009 8:32:54 PM |
| Pintu_Desai | $25.00 | $25.00 | 8/9/2009 8:14:27 AM |
| power-cell | $50.00 | $50.00 | 8/10/2009 6:51:53 AM |
| tlp43 | $25.00 | $25.00 | 7/31/2009 3:56:58 PM |
| lagnisiruk | $25.00 | $25.00 | 7/31/2009 3:57:04 PM |
| oldmora | $25.00 | $25.00 | 7/31/2009 3:57:09 PM |
| fortytwo | $70.00 | $70.00 | 7/31/2009 3:57:03 PM |
| gravbox | $25.00 | $25.00 | 7/31/2009 3:57:12 PM |
| Kaphrin2 | $25.00 | $25.00 | 7/31/2009 3:56:57 PM |
| GElender | $50.00 | $50.00 | 7/31/2009 3:57:53 PM |
| Artist_Blue | $25.00 | $25.00 | 7/31/2009 3:57:02 PM |
| anton | $25.00 | $25.00 | 7/31/2009 3:57:11 PM |
| don8ter | $25.00 | $15.45 | 7/31/2009 3:57:54 PM |
| interstellar | $40.41 | $40.41 | 7/31/2009 4:00:24 PM |
| BrnxGirl | $25.00 | $25.00 | 8/2/2009 7:15:43 AM |
| seineil | $100.00 | $100.00 | 8/4/2009 3:06:59 AM |
| KSgirl89 | $25.00 | $25.00 | 8/6/2009 12:27:27 AM |
| Trident-Fund | $25.00 | $25.00 | 8/8/2009 8:02:21 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
419592
This series of Notes was issued and sold upon the funding of the borrower loan #38205, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-06-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-09-2009 |
|
|
Starting lender yield:
| 21.11% |
Starting borrower rate/APR:
| 22.11% / 24.38% |
Starting monthly payment:
| $191.24 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $188.38 |
| |
|
Auction yield range:
| 8.23% - 21.11% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.03% | | |
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:
| May-1992 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 640-660 (Aug-2009) |
Current / open credit lines:
| 20
/
17 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 55 | Length of status: | 9y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $17,493 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 49% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| MNL |
Borrower's state:
| Indiana |
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:
| 20 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 620-640
(Oct-2008)
660-680
(Oct-2007)
|
|
Principal balance:
| $767.87 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Consolidate debt & gain freedom
Purpose of loan:
Wanting to payoff higher interest loans.
My financial situation:
I have a good job and it pays well.? I am attempting to lower my interest rates in our current financial markets.? I am wanting to get my expenses under control and would like to start eliminating debt and number of open accounts.?
Monthly net income: $ 5661.00
Monthly expenses: $
??Housing: $ 1800.00
??Insurance: $ 100.00
??Car expenses: $?450.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 200.00
????Other debt:? $ 1000.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| tlp43 | $25.00 | $25.00 | 8/6/2009 4:08:42 PM |
| skuba | $25.00 | $25.00 | 8/6/2009 4:08:44 PM |
| decisive-capital | $50.00 | $50.00 | 8/6/2009 4:09:48 PM |
| fizwahh | $30.00 | $30.00 | 8/6/2009 4:09:59 PM |
| PHI4308 | $25.00 | $25.00 | 8/6/2009 4:10:37 PM |
| 888168 | $25.00 | $25.00 | 8/6/2009 4:09:50 PM |
| zeelender | $25.00 | $25.00 | 8/6/2009 4:10:42 PM |
| cyberie21 | $40.00 | $40.00 | 8/6/2009 4:09:54 PM |
| orindalender | $25.00 | $25.00 | 8/6/2009 4:10:55 PM |
| VentureExplorer | $25.00 | $25.00 | 8/6/2009 4:10:57 PM |
| mathprof | $25.00 | $25.00 | 8/6/2009 4:10:11 PM |
| the-silver-blaster | $40.00 | $40.00 | 8/6/2009 4:10:16 PM |
| anton | $25.00 | $25.00 | 8/6/2009 4:10:27 PM |
| hopethisworks | $50.00 | $50.00 | 8/6/2009 4:10:46 PM |
| Hexnut | $25.00 | $25.00 | 8/6/2009 4:10:53 PM |
| tornandfrayed | $25.00 | $25.00 | 8/6/2009 4:12:06 PM |
| BGILlender | $25.00 | $25.00 | 8/6/2009 4:12:16 PM |
| LeoBUSIIT | $25.00 | $25.00 | 8/6/2009 4:13:32 PM |
| personal-lender | $25.00 | $25.00 | 8/6/2009 4:12:08 PM |
| Mantis75 | $25.00 | $25.00 | 8/6/2009 4:12:12 PM |
| FeedTheMachine | $150.00 | $150.00 | 8/6/2009 4:16:17 PM |
| gravbox | $25.00 | $25.00 | 8/6/2009 4:09:05 PM |
| incbx | $25.00 | $25.00 | 8/6/2009 4:16:47 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/6/2009 4:16:51 PM |
| scottr | $25.00 | $25.00 | 8/6/2009 4:09:36 PM |
| fareast_man | $25.00 | $25.00 | 8/6/2009 4:17:03 PM |
| TrustinOthers | $25.00 | $25.00 | 8/6/2009 4:17:06 PM |
| 108lender | $58.16 | $58.16 | 8/6/2009 4:17:09 PM |
| 02bob | $25.00 | $25.00 | 8/6/2009 4:10:02 PM |
| dspmn | $25.00 | $25.00 | 8/6/2009 4:10:12 PM |
| don8ter | $25.00 | $25.00 | 8/6/2009 4:10:31 PM |
| Aquani | $50.00 | $50.00 | 8/6/2009 4:10:41 PM |
| lagnisiruk | $25.00 | $25.00 | 8/6/2009 4:16:21 PM |
| jbarron | $25.00 | $25.00 | 8/6/2009 4:10:49 PM |
| pbo922 | $25.00 | $25.00 | 8/6/2009 4:16:28 PM |
| PatRichi | $25.00 | $25.00 | 8/6/2009 4:18:56 PM |
| kyxysyx | $50.00 | $50.00 | 8/6/2009 4:12:26 PM |
| red-sublime-return | $25.00 | $25.00 | 8/6/2009 4:12:29 PM |
| tnjohnso | $25.00 | $15.92 | 8/6/2009 4:12:41 PM |
| restech | $25.00 | $25.00 | 8/6/2009 4:14:00 PM |
| money-expert | $50.00 | $50.00 | 8/6/2009 4:15:06 PM |
| fireboss | $100.00 | $100.00 | 8/6/2009 4:15:22 PM |
| seisen | $37.51 | $37.51 | 8/6/2009 4:44:16 PM |
| darylc | $35.00 | $35.00 | 8/6/2009 4:47:17 PM |
| educationfirst | $25.00 | $25.00 | 8/6/2009 4:17:29 PM |
| greenwell | $25.00 | $25.00 | 8/6/2009 4:17:41 PM |
| sloan | $25.00 | $25.00 | 8/6/2009 6:58:58 PM |
| peb44 | $100.00 | $100.00 | 8/6/2009 9:17:05 PM |
| TennSquire | $25.00 | $25.00 | 8/6/2009 6:58:54 PM |
| dlg | $25.00 | $25.00 | 8/7/2009 1:05:52 AM |
| cashfl0w | $50.00 | $50.00 | 8/7/2009 4:55:53 AM |
| ibuystk | $50.00 | $50.00 | 8/7/2009 8:40:34 AM |
| dilbert17 | $25.00 | $25.00 | 8/7/2009 8:40:49 AM |
| Bank_Of_XL | $100.00 | $100.00 | 8/7/2009 8:13:32 AM |
| jldallover | $25.00 | $25.00 | 8/7/2009 9:29:30 AM |
| aader | $25.00 | $25.00 | 8/7/2009 12:04:24 PM |
| Trojan1976 | $25.00 | $25.00 | 8/7/2009 12:05:09 PM |
| ualf | $50.00 | $50.00 | 8/7/2009 12:05:46 PM |
| caipira | $25.00 | $25.00 | 8/7/2009 12:04:54 PM |
| scoobiedoo | $25.00 | $25.00 | 8/7/2009 12:05:35 PM |
| skiberdad | $32.15 | $32.15 | 8/7/2009 12:11:10 PM |
| ribbles | $50.00 | $50.00 | 8/7/2009 12:45:43 PM |
| draggon77 | $25.00 | $25.00 | 8/7/2009 12:31:45 PM |
| gdbanks | $25.00 | $25.00 | 8/7/2009 1:10:54 PM |
| hrubinst | $25.00 | $25.00 | 8/7/2009 2:05:18 PM |
| rdecartus | $25.00 | $25.00 | 8/7/2009 2:50:26 PM |
| schoolchamp | $25.00 | $25.00 | 8/7/2009 2:35:18 PM |
| PalmTreeIsland | $25.93 | $25.93 | 8/7/2009 2:46:13 PM |
| Katahdin | $25.00 | $25.00 | 8/7/2009 3:26:58 PM |
| nicklds | $25.00 | $25.00 | 8/7/2009 4:28:41 PM |
| fund-virtuoso | $25.00 | $25.00 | 8/7/2009 4:31:11 PM |
| andrewnar | $25.00 | $25.00 | 8/7/2009 4:33:05 PM |
| brmar | $25.00 | $25.00 | 8/7/2009 6:45:40 PM |
| TH99 | $25.00 | $25.00 | 8/7/2009 9:06:23 PM |
| Raetha | $25.00 | $25.00 | 8/7/2009 8:50:28 PM |
| Top_Gun_Lender | $25.00 | $25.00 | 8/8/2009 1:43:21 AM |
| thedreamer | $25.00 | $25.00 | 8/8/2009 8:10:33 AM |
| stonehillloans | $25.00 | $25.00 | 8/9/2009 5:10:16 AM |
| Breakfast_Gypsy | $25.00 | $25.00 | 8/6/2009 4:10:04 PM |
| crazycool | $35.00 | $35.00 | 8/6/2009 4:10:07 PM |
| fortytwo | $70.00 | $70.00 | 8/6/2009 4:10:21 PM |
| GElender | $50.00 | $50.00 | 8/6/2009 4:10:29 PM |
| Champpilot | $50.00 | $50.00 | 8/6/2009 4:10:32 PM |
| elated-justice | $25.00 | $25.00 | 8/6/2009 4:10:00 PM |
| Veloce | $25.00 | $25.00 | 8/6/2009 4:10:05 PM |
| rate-mogul | $25.00 | $25.00 | 8/6/2009 4:11:01 PM |
| SNH | $25.00 | $25.00 | 8/6/2009 4:10:18 PM |
| puifais | $25.00 | $25.00 | 8/6/2009 4:10:22 PM |
| rmachi | $25.00 | $25.00 | 8/6/2009 4:10:25 PM |
| GMPK_TLAS | $45.00 | $45.00 | 8/6/2009 4:10:35 PM |
| keeks | $25.00 | $25.00 | 8/6/2009 4:10:39 PM |
| mmckune | $25.00 | $25.00 | 8/6/2009 4:10:44 PM |
| nodrivelpls | $25.00 | $25.00 | 8/6/2009 4:10:48 PM |
| plentiful-reward | $50.00 | $50.00 | 8/6/2009 4:12:25 PM |
| gilbow | $25.00 | $25.00 | 8/6/2009 4:12:37 PM |
| secobarbital | $25.00 | $25.00 | 8/6/2009 4:11:59 PM |
| money-shaker | $25.00 | $25.00 | 8/6/2009 4:12:27 PM |
| JL_FC | $25.00 | $25.00 | 8/6/2009 4:12:36 PM |
| brazilofmux | $55.33 | $55.33 | 8/6/2009 4:12:52 PM |
| wise-silver-wonder | $25.00 | $25.00 | 8/6/2009 4:13:46 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/6/2009 4:13:53 PM |
| Penny | $50.00 | $50.00 | 8/6/2009 4:09:46 PM |
| Weaverville | $75.00 | $75.00 | 8/6/2009 4:09:52 PM |
| GRI | $50.00 | $50.00 | 8/6/2009 4:17:42 PM |
| Artist_Blue | $25.00 | $25.00 | 8/6/2009 4:10:19 PM |
| unclejaef | $25.00 | $25.00 | 8/6/2009 4:10:23 PM |
| dough-bear | $50.00 | $50.00 | 8/6/2009 4:17:57 PM |
| YogaDude34 | $25.00 | $25.00 | 8/6/2009 4:16:13 PM |
| yield-lion | $25.00 | $25.00 | 8/6/2009 4:10:51 PM |
| Credit2Prosper | $25.00 | $25.00 | 8/6/2009 4:22:25 PM |
| standanddeliver | $25.00 | $25.00 | 8/6/2009 4:17:31 PM |
| testobsessed | $100.00 | $100.00 | 8/6/2009 4:12:43 PM |
| Madron | $50.00 | $50.00 | 8/6/2009 4:56:02 PM |
| tijuas90 | $25.00 | $25.00 | 8/6/2009 6:57:11 PM |
| leftcoast52 | $25.00 | $25.00 | 8/6/2009 4:16:39 PM |
| ALVO | $100.00 | $100.00 | 8/6/2009 4:17:26 PM |
| beyondmanagement | $25.00 | $25.00 | 8/6/2009 6:58:57 PM |
| figs4u2 | $200.00 | $200.00 | 8/6/2009 6:58:59 PM |
| rjleves | $25.00 | $25.00 | 8/6/2009 6:58:56 PM |
| the-debt-fluffy-bunny | $50.00 | $50.00 | 8/6/2009 11:58:49 PM |
| kscc183 | $25.00 | $25.00 | 8/7/2009 1:05:49 AM |
| julijask | $25.00 | $25.00 | 8/7/2009 1:05:57 AM |
| windfall46 | $25.00 | $25.00 | 8/7/2009 4:55:56 AM |
| broepke | $25.00 | $25.00 | 8/7/2009 6:46:59 AM |
| MattTheGr8 | $25.00 | $25.00 | 8/7/2009 8:01:20 AM |
| skro | $25.00 | $25.00 | 8/7/2009 9:29:47 AM |
| secretidentity | $25.00 | $25.00 | 8/7/2009 9:37:03 AM |
| Syzygy | $25.00 | $25.00 | 8/7/2009 11:23:30 AM |
| gristle | $25.00 | $25.00 | 8/7/2009 11:38:37 AM |
| ChuckChedda | $25.00 | $25.00 | 8/7/2009 12:04:11 PM |
| UCLA4life | $25.00 | $25.00 | 8/7/2009 12:11:04 PM |
| YeoLenderSource | $25.00 | $25.00 | 8/7/2009 12:42:55 PM |
| wayman | $50.00 | $50.00 | 8/7/2009 1:40:45 PM |
| ChrisTJ | $25.00 | $25.00 | 8/7/2009 2:03:43 PM |
| MrDavid | $25.00 | $25.00 | 8/7/2009 2:46:48 PM |
| mh1169 | $25.00 | $25.00 | 8/7/2009 2:35:29 PM |
| Sol_Invictus | $25.00 | $25.00 | 8/7/2009 3:28:28 PM |
| festeringsnot | $25.00 | $25.00 | 8/7/2009 4:30:50 PM |
| redbomb5 | $25.00 | $25.00 | 8/7/2009 4:33:38 PM |
| Rosencranz | $25.00 | $25.00 | 8/7/2009 4:45:13 PM |
| Elbanko | $25.00 | $25.00 | 8/8/2009 4:55:21 AM |
| goodcents | $25.00 | $25.00 | 8/7/2009 11:19:37 PM |
| DrStaff | $30.00 | $30.00 | 8/7/2009 11:20:53 PM |
| enriched-truth | $25.00 | $25.00 | 8/8/2009 12:26:17 PM |
| Carpetkid | $25.00 | $25.00 | 8/8/2009 9:00:16 PM |
| 145 bids
|