Sales Report:Supplement No. 25 dated Aug 25, 2009 to Prospectus dated Jul 13, 2009
File 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 346598
This series of Notes was issued and sold upon the funding of the borrower loan #38298, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,475.00 Prosper Rating: A Auction start date:  Aug-14-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Aug-22-2009 
 
Starting lender yield: 14.01% Starting borrower rate/APR: 15.01% / 16.46% Starting monthly payment: $85.81
Final lender yield: 9.35% Final borrower rate/APR: 10.35% / 12.46% Final monthly payment: $80.27
 
Auction yield range: 4.23% - 14.01% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.22%  
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-1992 Debt/Income ratio: 26%
Credit score: 720-740 (Aug-2009) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:10y 0m
Amount delinquent: $0 Revolving credit balance: $3,204 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: EZLEND Borrower's state: SouthCarolina Borrower's group: HARD MONEY LOANS
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
Prosper Lender Needs Help
Purpose of loan:
This loan will be used to? help me in the business that I am just starting. I am currently buying mobilehomes and renovating them for rental properties.

My financial situation:I am a good candidate for this loan because? I have learned to become more financially responsible as the years have gone by. I have had some credit problems in the past, but as you can see by my credit score, I have become?very creditworthy. I am desperately trying to acquire funds so that I?can have some measure of success in buying and renovating these homes. I have bought two mobilehomes, and would like to renovate a least one of them now and use the home that I currently own as a rental property. The other home I plan to remodel and soon as I can. I have been a "Prosper Lender" for over two years now and I believe in the concept of people helping people. This is the first time that I have asked for a loan. Please find it in your heart to help me now.

Thanks for considering my request.

Monthly net income: $ 1638.00

Monthly expenses:$??? 1125.00

Housing: $???????????????????????????????????????????? ? -0-
Insurance: $ ($972/yr. already paid)????????-0-
Car expenses: $ (gas, oil, tires, etc)???????? 200
?Utilities: $???????????????????????????????????????????????? 150
?Phone, cable, internet: $??????????????????????????175
?Food, entertainment: $?????????????????????????????200
Clothing, household expenses $????????????? ?200
Credit cards and other loans: $???????????????? 200
Other expenses:?????????????????????????????????????? 150

Balance???????????????? $363.00

As you can see, I have enough money at the end of the month to repay this loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bchen78875$50.00$50.008/14/2009 4:02:22 PM
DukSerduk$25.00$25.008/14/2009 4:01:57 PM
888168$50.00$50.008/14/2009 4:02:02 PM
Artist_Blue$25.00$25.008/14/2009 4:02:19 PM
Moron_Buffet$25.00$25.008/14/2009 4:02:38 PM
thedoctor$25.00$25.008/14/2009 4:02:32 PM
honorable-yield$50.00$50.008/14/2009 4:03:48 PM
totoro$25.00$25.008/16/2009 6:40:39 AM
lowestghost$25.00$25.008/17/2009 10:30:02 AM
market-assembler$25.00$25.008/17/2009 11:01:59 AM
sparky1129$25.00$25.008/17/2009 11:24:21 AM
anton$50.00$50.008/17/2009 4:45:40 PM
ekmendenhall$25.00$25.008/17/2009 7:46:43 PM
buckyhead2000$25.00$25.008/17/2009 8:26:24 PM
seasportsguy$25.00$25.008/17/2009 9:11:17 PM
jetblack$50.00$50.008/17/2009 9:15:59 PM
income-excellence1$25.00$25.008/17/2009 11:09:17 PM
aesop$25.00$25.008/18/2009 4:45:43 AM
dlshap$25.00$25.008/18/2009 10:21:54 AM
Goodlender42$25.00$25.008/18/2009 1:02:55 PM
mh1169$25.00$25.008/18/2009 4:36:04 PM
UncleSafety$75.00$75.008/18/2009 8:34:07 PM
tallcoolone$25.00$25.008/19/2009 6:32:45 AM
rjleves$25.00$25.008/19/2009 6:53:19 AM
Digs$25.00$25.008/19/2009 11:08:05 AM
shanedog$25.00$25.008/19/2009 1:43:45 PM
eyewillfindu$25.00$25.008/19/2009 3:40:07 PM
SwiDaddy$25.00$25.008/19/2009 4:38:55 PM
jldallover$25.00$25.008/19/2009 9:33:09 PM
kenji4861$28.12$28.128/20/2009 4:27:39 AM
IM-SHARKY$200.00$200.008/20/2009 10:35:21 AM
grf1945$25.00$25.008/20/2009 11:04:42 AM
bowdish1$31.90$31.908/20/2009 1:57:46 PM
truth-companion$25.00$25.008/20/2009 12:52:33 PM
JJS180$25.00$25.008/20/2009 2:57:30 PM
MissionMicroFinance$25.00$25.008/20/2009 3:51:04 PM
willingnjc$25.00$25.008/20/2009 6:57:18 PM
outofoffice$50.00$50.008/20/2009 9:44:12 PM
GoBusinessGuy$25.00$25.008/20/2009 10:34:07 PM
gilbow$25.00$11.728/21/2009 12:07:33 AM
forthright-loan$25.00$25.008/21/2009 8:07:46 PM
brightest-revenue-spark$25.00$25.008/14/2009 4:01:08 PM
greenback-floret$25.00$25.008/14/2009 4:01:43 PM
skuba$50.00$50.008/14/2009 4:02:09 PM
elated-justice$25.00$25.008/14/2009 4:01:02 PM
Sid-K$50.00$50.008/14/2009 4:01:52 PM
abuyama22$25.00$25.008/14/2009 4:01:59 PM
mathprof$25.00$25.008/14/2009 4:02:07 PM
kenyonhillbilly$50.00$50.008/14/2009 4:04:06 PM
Avala$25.00$25.008/14/2009 4:01:55 PM
cyberie21$40.00$40.008/14/2009 4:02:05 PM
cash-sensai2$25.00$25.008/14/2009 4:02:14 PM
don8ter$60.00$60.008/14/2009 4:02:30 PM
fortytwo$50.00$50.008/17/2009 10:26:03 AM
TK4$25.00$25.008/17/2009 10:35:54 AM
Sam65$25.00$25.008/18/2009 8:25:38 AM
RandyL3$25.00$25.008/18/2009 4:38:08 PM
mamayama$50.00$50.008/18/2009 9:51:18 PM
personal-lender$25.00$25.008/19/2009 7:47:55 AM
BookandLaw$25.00$25.008/19/2009 9:09:11 AM
woodenshoes$25.00$25.008/19/2009 11:31:49 AM
Warbler$25.00$25.008/19/2009 1:33:00 PM
Syzygy$25.00$25.008/19/2009 6:53:15 PM
tlp43$25.00$25.008/19/2009 9:47:38 PM
Jassi$50.00$50.008/20/2009 9:33:04 AM
loanman2007$50.00$50.008/20/2009 11:19:59 AM
quiggles$25.00$25.008/20/2009 11:37:06 AM
justalender$50.00$50.008/20/2009 3:52:18 PM
Guerrilla_Man$25.00$25.008/20/2009 4:22:07 PM
DrStaff$50.33$50.338/20/2009 7:07:22 PM
kyomoon$27.93$27.938/20/2009 5:17:51 PM
bejfishing$25.00$25.008/21/2009 8:43:16 AM
PotBellyPete$25.00$25.008/21/2009 7:07:53 AM
73 bids
 
Borrower Payment Dependent Notes Series 364234
This series of Notes was issued and sold upon the funding of the borrower loan #38272, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,000.00 Prosper Rating: AA Auction start date:  Aug-04-2009 
Term: 36 months Estimated loss: 1.5% Auction end date:  Aug-17-2009 
 
Starting lender yield: 9.52% Starting borrower rate/APR: 10.52% / 11.21% Starting monthly payment: $292.61
Final lender yield: 9.52% Final borrower rate/APR: 10.52% / 12.63% Final monthly payment: $292.61
 
Auction yield range: 3.23% - 9.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.01%  
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: 7 First credit line: Nov-1998 Debt/Income ratio: 11%
Credit score: 820-840 (Aug-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $1 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: northwoods516 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.
Description
Getting Rid of that Last Big Debt!
Purpose of loan: The purpose of this loan is to pay off our last big debt, which happens to be a credit card.

My financial situation: I make an above average income. I had perfect credit my whole life until a couple of years ago. My wife and I have suffered through financial hardship due to job loss. We have both been back to work for awhile now and are starting to see the light. We have payed off most all of our debt, but have this one high interst debt to go. We thought Prosper was a great opportunity to pay that off at a lesser interest rate, and participate in a new way of getting a loan.
I am a good candidate for this loan because? I am a very hard worker and would not miss a payment. If you check my credit history I have never been late or missed a payment on a loan (mortgage, car, etc.) This situation is an opportunity of a lifetime for me and my family, and I would not ruin it.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
totoro$25.00$25.008/4/2009 3:57:53 PM
KHU2-B$25.00$25.008/4/2009 4:01:25 PM
kinetic-truth$25.00$25.008/4/2009 3:59:01 PM
sas19$25.00$25.008/4/2009 4:02:55 PM
agab$25.00$25.008/4/2009 4:02:41 PM
888168$50.00$50.008/4/2009 4:03:40 PM
cyberie21$40.00$40.008/4/2009 4:03:46 PM
UESbank$50.00$50.008/4/2009 4:01:29 PM
Syzygy$25.00$25.008/4/2009 4:04:54 PM
cash-sensai2$25.00$25.008/4/2009 4:05:13 PM
bchen78875$50.00$50.008/4/2009 4:05:54 PM
Avala$25.00$25.008/4/2009 4:03:07 PM
greenback-floret$25.00$25.008/4/2009 4:03:54 PM
skuba$50.00$50.008/4/2009 4:04:22 PM
kyomoon$100.00$100.008/4/2009 4:08:07 PM
hope-eagle6$25.00$25.008/4/2009 4:08:02 PM
sunshine1965$25.00$25.008/4/2009 4:28:55 PM
Goodlender42$25.00$25.008/4/2009 7:05:32 PM
chicago1228$50.00$50.008/5/2009 8:42:04 AM
red-sublime-return$25.00$25.008/5/2009 9:32:11 AM
sisepuede$25.00$25.008/5/2009 4:25:00 PM
money-shaker$25.00$25.008/5/2009 6:40:08 PM
JustMee$25.00$25.008/6/2009 11:39:54 AM
krishopper$25.00$25.008/6/2009 9:59:38 AM
brstern2$25.00$25.008/6/2009 1:27:53 PM
dpjd$50.00$50.008/6/2009 12:31:27 PM
OrcaFIN$50.00$50.008/7/2009 7:02:45 AM
slp264$39.00$39.008/7/2009 11:33:05 AM
order-rider$50.00$50.008/7/2009 1:14:28 PM
wamozart$25.00$25.008/7/2009 1:26:31 PM
puifais$25.00$25.008/7/2009 4:40:39 PM
Ellisdee$50.00$50.008/7/2009 6:30:26 PM
permsol1$25.00$25.008/7/2009 9:37:54 PM
Kame$25.00$25.008/8/2009 6:00:21 AM
Elbanko$25.00$25.008/8/2009 4:55:35 AM
Bosunsmate$25.00$25.008/8/2009 7:05:06 AM
broepke$25.00$25.008/8/2009 9:40:15 AM
ClearLake$25.00$25.008/8/2009 8:11:00 AM
jimbo29blue$50.00$50.008/9/2009 9:37:42 AM
rulender$50.00$50.008/9/2009 10:15:10 AM
bzanlo33$50.00$50.008/9/2009 10:22:40 AM
Thunderhead2$200.00$200.008/9/2009 2:57:46 PM
element40$50.00$50.008/10/2009 5:50:47 AM
TheColoradoDon$25.00$25.008/10/2009 7:45:48 AM
market-assembler$25.00$25.008/10/2009 7:43:29 AM
Raetha$25.00$25.008/10/2009 6:45:39 AM
Okeey$25.00$25.008/10/2009 7:42:25 AM
zhiguli$50.00$50.008/10/2009 12:25:48 PM
mrzz$25.00$25.008/10/2009 1:01:50 PM
kanpur63$25.00$25.008/10/2009 1:06:27 PM
head$25.00$25.008/10/2009 1:15:43 PM
PrinceValium$25.00$25.008/10/2009 1:23:08 PM
iluxa$29.85$29.858/10/2009 4:18:56 PM
grf1945$25.00$25.008/10/2009 5:35:15 PM
ramsbladder$25.00$25.008/11/2009 12:25:29 AM
FundingUSA$25.00$25.008/11/2009 7:31:43 AM
ekmendenhall$50.00$50.008/11/2009 8:22:05 AM
don8ter$60.00$60.008/11/2009 8:55:28 AM
pay-it-forward1010$25.00$25.008/11/2009 9:30:55 AM
YellowJacket$25.00$25.008/11/2009 10:25:17 PM
brightest-revenue-spark$25.00$25.008/12/2009 9:30:37 AM
klin$25.00$25.008/12/2009 11:00:26 AM
NATIVEBORN$35.39$35.398/12/2009 12:41:05 PM
financelover$25.00$25.008/12/2009 3:35:18 PM
djs81$25.00$25.008/12/2009 1:50:19 PM
fdsguy$50.00$50.008/12/2009 6:45:36 PM
wampum-proton$25.00$25.008/12/2009 9:46:24 PM
IndianChief$25.00$25.008/12/2009 10:05:22 PM
income-excellence1$25.00$25.008/13/2009 7:56:06 AM
Moron_Buffet$25.00$25.008/13/2009 9:32:35 AM
flexiboy35$25.00$25.008/13/2009 11:20:27 AM
kanewna$38.19$38.198/13/2009 9:56:06 AM
YogaDude34$36.56$36.568/13/2009 10:40:16 AM
16888$50.00$50.008/13/2009 11:09:41 AM
majormoves1$25.00$25.008/13/2009 2:30:17 PM
RoyFauntleroy$25.00$25.008/13/2009 2:06:11 PM
mizount$25.00$25.008/13/2009 5:08:04 PM
cheng$25.00$25.008/13/2009 5:30:41 PM
virtualbank$25.00$25.008/13/2009 5:30:48 PM
unclejaef$25.00$25.008/13/2009 5:35:42 PM
a-harmonious-deal$25.00$25.008/13/2009 5:35:43 PM
Vacs4u$25.00$25.008/13/2009 7:11:02 PM
Zoomie$25.00$25.008/14/2009 9:41:44 AM
bondhedger$25.00$25.008/14/2009 11:02:31 AM
willingnjc$25.00$25.008/14/2009 1:30:44 PM
Sixmil$25.00$25.008/14/2009 11:21:07 AM
TechieLender$100.00$100.008/14/2009 1:40:36 PM
kenyonhillbilly$50.00$50.008/14/2009 2:46:11 PM
minista$25.00$25.008/14/2009 2:52:19 PM
Harpersferry$50.00$50.008/14/2009 3:55:40 PM
OLYVRC$25.00$25.008/14/2009 10:36:12 PM
smallcountry$50.00$50.008/15/2009 4:56:25 AM
help_each_other$25.00$25.008/15/2009 9:01:04 AM
DalCowboys$50.00$50.008/15/2009 6:48:12 PM
aesop$25.00$25.008/15/2009 10:25:52 AM
atlgator$25.00$25.008/15/2009 10:41:13 PM
FecundFinancier$25.00$25.008/15/2009 12:20:35 PM
scott2004114$25.00$25.008/15/2009 10:34:11 PM
gpuck$25.00$25.008/16/2009 11:20:52 AM
the-financier814$25.00$25.008/16/2009 11:51:39 AM
msg500wave$39.89$39.898/16/2009 1:56:28 PM
SastreMason$25.00$25.008/16/2009 7:11:05 PM
nnomura$50.00$50.008/16/2009 3:06:18 PM
casinvestments$25.00$25.008/16/2009 7:41:02 PM
dollar-oracle55$25.00$25.008/16/2009 1:54:39 PM
FundMaker$30.00$30.008/16/2009 5:51:51 PM
Astyanax$25.00$25.008/16/2009 10:16:11 PM
rakey$25.00$25.008/17/2009 5:20:34 AM
Sigonio$25.00$25.008/16/2009 11:35:47 PM
bkb7484$25.00$25.008/17/2009 3:55:55 AM
bondo41$50.00$50.008/17/2009 6:34:56 AM
BuckNaikid$100.00$100.008/17/2009 8:18:38 AM
AnxiousAirman$50.00$50.008/17/2009 9:06:49 AM
JerryB96$25.00$25.008/17/2009 8:08:48 AM
sloak$25.00$25.008/17/2009 9:01:13 AM
woodenshoes$100.00$100.008/17/2009 9:05:32 AM
elated-justice$25.00$25.008/4/2009 3:58:11 PM
fortytwo$125.00$125.008/4/2009 3:59:20 PM
Sid-K$50.00$50.008/4/2009 4:03:01 PM
DukSerduk$25.00$25.008/4/2009 4:03:21 PM
mathprof$25.00$25.008/4/2009 4:04:00 PM
tallcoolone$25.00$25.008/4/2009 4:03:29 PM
abuyama22$25.00$25.008/4/2009 4:03:34 PM
Artist_Blue$25.00$25.008/4/2009 4:07:04 PM
Algaes$25.00$25.008/4/2009 4:07:13 PM
rjleves$25.00$25.008/4/2009 4:07:40 PM
anton$25.00$25.008/4/2009 4:07:49 PM
julijask$25.00$25.008/4/2009 4:15:54 PM
truth-companion$25.00$25.008/4/2009 4:07:53 PM
the-profit-oracle$25.00$25.008/4/2009 7:10:44 PM
Faura$25.00$25.008/4/2009 8:50:22 PM
Loan_shark718$50.00$50.008/4/2009 8:51:20 PM
here2lend$25.00$25.008/5/2009 9:25:10 AM
cool_kubera$50.00$50.008/5/2009 12:11:01 PM
gary500$25.00$25.008/5/2009 10:22:40 AM
GElender$50.00$50.008/5/2009 4:24:34 PM
Theboof$25.00$25.008/5/2009 4:24:35 PM
fotep-financial$25.00$25.008/5/2009 9:35:22 PM
Patrician$25.00$25.008/6/2009 8:55:27 AM
jimbo29blue$50.00$50.008/6/2009 8:13:11 AM
merciful-yield$50.00$50.008/6/2009 4:14:20 PM
lender1x$25.00$25.008/6/2009 6:39:03 PM
kenji4861$33.00$33.008/7/2009 1:00:14 AM
treeline$50.00$50.008/7/2009 5:55:44 AM
GODSWORDONIT$25.00$25.008/7/2009 6:07:22 AM
htargett$25.00$25.008/7/2009 6:16:52 AM
TK4$25.00$25.008/7/2009 10:10:44 AM
lagnisiruk$25.00$25.008/7/2009 10:40:12 AM
shanedog$25.00$25.008/7/2009 12:19:07 PM
newfoundation$25.00$25.008/7/2009 1:40:26 PM
MmeArgent$50.00$50.008/7/2009 2:27:16 PM
MmeArgent$48.99$48.998/7/2009 2:29:33 PM
whitegold24k$250.00$250.008/7/2009 9:06:06 PM
DrStaff$60.00$60.008/7/2009 11:20:34 PM
Barky52$25.00$25.008/8/2009 5:22:27 AM
alydad1$25.00$25.008/8/2009 2:24:22 PM
tornandfrayed$25.00$25.008/9/2009 2:59:02 PM
revthunder$50.00$50.008/9/2009 3:56:01 PM
SMARTDISK$25.00$25.008/9/2009 11:47:42 PM
buckyhead2000$25.00$25.008/10/2009 1:01:36 AM
73Darin$50.00$50.008/10/2009 7:16:30 AM
gilbow$25.00$25.008/10/2009 7:41:57 AM
keyfig$25.00$25.008/10/2009 7:42:40 AM
Veloce$25.00$25.008/10/2009 7:43:34 AM
djd50$25.00$25.008/10/2009 9:30:44 AM
eyal0$25.00$25.008/10/2009 4:10:20 PM
OCLend$25.00$25.008/10/2009 6:00:18 PM
rockymtbob$50.00$50.008/10/2009 7:31:39 PM
wormdc$25.00$25.008/10/2009 5:55:33 PM
amijo$25.00$25.008/11/2009 7:25:30 AM
windfall46$25.00$25.008/10/2009 9:30:19 PM
SMARTDISK$25.00$25.008/10/2009 11:27:44 PM
bowdish1$26.21$26.218/11/2009 11:00:45 AM
dodibugg0881$100.00$52.798/11/2009 12:13:16 PM
vegibenz$25.00$25.008/11/2009 10:12:16 AM
justin323$25.00$25.008/11/2009 4:44:10 PM
Jassi$35.58$35.588/11/2009 5:05:10 PM
JJS180$25.00$25.008/11/2009 6:01:23 PM
thedoctor$25.00$25.008/11/2009 6:30:53 PM
yenom$25.00$25.008/11/2009 5:12:07 PM
decisive-capital$100.00$100.008/11/2009 6:46:22 PM
Credit2Prosper$50.00$50.008/11/2009 6:32:11 PM
Hogan55$68.64$68.648/11/2009 6:52:57 PM
LandE2BG$50.00$50.008/12/2009 7:45:24 AM
inforapenny$25.00$25.008/12/2009 12:35:27 PM
sparky1129$25.00$25.008/12/2009 12:55:16 PM
TH99$25.00$25.008/12/2009 4:34:12 PM
gdbanks$25.00$25.008/12/2009 4:50:35 PM
regahj99$25.00$25.008/12/2009 8:35:14 PM
simiray$25.00$25.008/12/2009 10:15:33 PM
director877$25.00$25.008/13/2009 5:30:22 AM
Porsche911sfa$25.00$25.008/13/2009 5:41:07 AM
scref$55.89$55.898/13/2009 5:34:58 AM
brewlots$50.00$50.008/13/2009 9:33:23 AM
Avid_Skier$25.00$25.008/13/2009 9:45:47 AM
TheRiver08$25.00$25.008/13/2009 12:40:11 PM
MidnightBank$25.00$25.008/13/2009 11:05:34 AM
midifool$25.00$25.008/13/2009 2:06:38 PM
mmqc$25.00$25.008/13/2009 2:30:43 PM
r1g3l$25.00$25.008/13/2009 2:40:24 PM
Rule62$25.00$25.008/13/2009 2:30:32 PM
BayShell$31.06$31.068/13/2009 5:33:52 PM
dumbass$25.00$25.008/13/2009 5:34:48 PM
Wart126$25.00$25.008/13/2009 5:36:33 PM
szetheli$50.00$50.008/13/2009 9:21:01 PM
ChristopherHS$25.00$25.008/14/2009 4:51:28 AM
MonkeyPet$25.00$25.008/13/2009 11:55:59 PM
jct_enterprises$25.00$25.008/14/2009 7:35:54 AM
Natronpee$25.00$25.008/14/2009 7:41:01 AM
Masterful1$25.00$25.008/14/2009 7:45:47 AM
abu-dhabi$29.00$29.008/14/2009 8:17:09 AM
ultimatepaintball$25.00$25.008/14/2009 9:41:46 AM
ronkr$37.05$37.058/14/2009 10:48:15 AM
honorable-yield$50.00$50.008/14/2009 10:59:50 AM
simiray$25.00$25.008/14/2009 10:32:29 AM
ORteacher$50.00$50.008/14/2009 10:52:26 AM
dragonflywings$25.00$25.008/14/2009 11:35:43 AM
otalon$30.00$30.008/14/2009 10:41:59 AM
Ven58$50.00$50.008/14/2009 1:28:50 PM
ajk_blue$25.00$25.008/14/2009 2:52:08 PM
lowestghost$25.00$25.008/14/2009 4:45:53 PM
comicgeek$25.00$25.008/14/2009 5:38:46 PM
Justinius$32.35$32.358/14/2009 7:04:22 PM
Guerrilla_Man$25.00$25.008/15/2009 10:30:39 AM
2brotherslending$50.00$50.008/15/2009 8:45:27 PM
malypom$50.00$50.008/15/2009 11:37:20 AM
preciouschild$200.00$200.008/16/2009 7:21:21 AM
us957165$25.00$25.008/15/2009 7:28:20 PM
vtr1000$25.51$25.518/16/2009 10:10:33 AM
MONEYMIKE83$50.00$50.008/16/2009 10:10:17 AM
gogmagog$50.00$50.008/16/2009 10:20:35 AM
conceptpi$25.00$25.008/16/2009 10:00:36 AM
swti37$50.00$50.008/16/2009 6:23:20 PM
nolahelper$75.00$75.008/16/2009 6:56:42 PM
eureka117$35.05$35.058/16/2009 2:59:44 PM
mamayama$100.00$100.008/16/2009 8:05:42 PM
Cypher041$25.00$25.008/16/2009 4:47:59 PM
omahajay$50.00$50.008/16/2009 9:16:12 PM
bigdogsafety1$25.00$25.008/16/2009 10:20:41 PM
gothampark$25.00$25.008/16/2009 10:28:35 PM
seasportsguy$25.00$25.008/16/2009 10:01:33 PM
euphoria8$25.00$25.008/17/2009 8:11:48 AM
powerful-compassion$100.00$100.008/17/2009 8:21:29 AM
oldboter$50.00$50.008/17/2009 8:57:55 AM
Patter256$25.00$25.008/17/2009 7:06:35 AM
cowboyskier$50.00$50.008/17/2009 8:45:42 AM
246 bids
 
Borrower Payment Dependent Notes Series 418998
This series of Notes was issued and sold upon the funding of the borrower loan #38276, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: B Auction start date:  Aug-03-2009 
Term: 36 months Estimated loss: 5.0% Auction end date:  Aug-17-2009 
 
Starting lender yield: 14.97% Starting borrower rate/APR: 15.97% / 18.15% Starting monthly payment: $281.14
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $277.32
 
Auction yield range: 6.23% - 14.97% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.76%  
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: Jul-1993 Debt/Income ratio: 21%
Credit score: 760-780 (Aug-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:5y 11m
Amount delinquent: $0 Revolving credit balance: $34,018 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: Denverbound Borrower's state: Colorado Borrower's group: P2P Financial
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 100% ) 760-780 (Latest)
Principal borrowed: $3,750.00< mo. late: 0 ( 0% )  
660-680 (Sep-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Home repairs. Moving states
Purpose of loan:
This loan will be used to?I recently purchased a home and need to make minor repairs.? I have been employed for 14 years and most recently, 6 years with my current company

My financial situation:?

My financial situation has improved steadily over the past few years.? Details below.

Annual Income:
2007-$74,000
2008-$84,000

Average monthly income:
$4400.00

I do receive quarterly and yearly bonuses.

Responsibilities:
Mortgage- $998.00
Auto-$550.00
Cable/Electric/Gas/Mobile-$200.00
Insurance-$98.00

I do not have any credit card debt however, I do assist my sister with an optional payment on average of $275.00 a month.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: can you please show much more detail on your expenses? Your did not list your 1st prosper payment and any CC loan. Thanks in advance. - usd1027
A: My first Prosper loan was taken out in 2006. This loan has been paid off on time. The loan amount at the time was 3750.00. I paid this debt off approximately 90 days early. I do not have any credit card balances at this time, however, I am an authorized card user for one of my parents cards. This card is for emergencies only and any balances owed would be my parents responsibility. I am helping my sister who is out of work with her credit card payment but this is on an as needed basis. (Aug-03-2009)
Q: Do you mind sharing delinquencies that you had earlier? - usd1027
A: After school, I had credit card debt that I could not keep up with. I had department store cards as well as Visa. All with balances under $2500.00. I was behind on them for several months 5+ years ago which is where the deliquencies stem from. Once back on my feet, I paid them all off and have focused on my restoring my credit. (Aug-04-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
beyondmanagement$25.00$25.008/3/2009 9:58:53 AM
tlp43$25.00$25.008/3/2009 9:58:17 AM
sloan$25.00$25.008/3/2009 9:59:21 AM
leftcoast52$25.00$25.008/3/2009 9:59:04 AM
Trojan1976$25.00$25.008/3/2009 10:00:39 AM
Weaverville$75.00$75.008/3/2009 10:00:45 AM
fireboss$100.00$100.008/3/2009 9:59:39 AM
cyberie21$40.00$40.008/3/2009 10:00:53 AM
Penny$50.00$50.008/3/2009 9:59:31 AM
02bob$25.00$25.008/3/2009 10:01:38 AM
Logan7$25.00$25.008/3/2009 10:02:04 AM
decisive-capital$50.00$50.008/3/2009 10:00:11 AM
dspmn$25.00$25.008/3/2009 10:02:33 AM
wise-silver-wonder$25.00$25.008/3/2009 10:02:45 AM
unclejaef$25.00$25.008/3/2009 10:05:16 AM
TennSquire$25.00$25.008/3/2009 10:00:41 AM
mmckune$25.00$25.008/3/2009 10:06:47 AM
SNH$25.00$25.008/3/2009 10:04:52 AM
Artist_Blue$25.00$25.008/3/2009 10:04:57 AM
nodrivelpls$25.00$25.008/3/2009 10:08:26 AM
jbarron$25.00$25.008/3/2009 10:08:31 AM
geniusj$25.00$25.008/3/2009 10:03:55 AM
GMPK_TLAS$45.00$45.008/3/2009 10:06:08 AM
rjleves$25.00$25.008/3/2009 10:08:54 AM
Aquani$50.00$50.008/3/2009 10:06:21 AM
incbx$25.00$25.008/3/2009 10:07:04 AM
yield-lion$25.00$25.008/3/2009 10:10:39 AM
aader$25.00$25.008/3/2009 10:10:59 AM
Syzygy$25.00$25.008/3/2009 10:11:25 AM
skuba$25.00$25.008/3/2009 10:11:54 AM
Hexnut$25.00$25.008/3/2009 10:12:09 AM
brazilofmux$100.00$100.008/3/2009 10:40:31 AM
skiberdad$36.40$36.408/3/2009 11:02:32 AM
wwwUniversal$25.00$25.008/3/2009 4:50:21 PM
Flying_Tilapia$1,000.00$1,000.008/3/2009 5:31:33 PM
James_and_Tracy$25.00$25.008/3/2009 5:41:17 PM
red-sublime-return$25.00$25.008/3/2009 6:01:52 PM
Carpetkid$25.00$25.008/3/2009 6:01:41 PM
YogaDude34$38.37$38.378/3/2009 6:55:21 PM
oldmora$25.00$25.008/4/2009 6:45:51 AM
tornandfrayed$25.00$25.008/4/2009 9:30:29 AM
dunedin$25.00$25.008/4/2009 12:26:18 PM
Cre8iveCash$25.00$25.008/4/2009 12:27:53 PM
Cubsfan07$25.00$25.008/4/2009 12:28:18 PM
d_grbg$35.00$35.008/4/2009 12:26:04 PM
theopposites$25.00$25.008/4/2009 4:16:01 PM
thedreamer$25.00$25.008/4/2009 4:16:28 PM
Rips$25.00$25.008/4/2009 4:20:18 PM
loiosh$25.00$25.008/4/2009 4:20:29 PM
personal-lender$25.00$25.008/4/2009 4:21:46 PM
lostontheedge$25.00$25.008/4/2009 4:18:20 PM
LenderByDay$25.00$25.008/4/2009 4:31:17 PM
ahalls$25.00$25.008/4/2009 4:18:55 PM
NATIVEBORN$38.80$38.808/4/2009 8:16:39 PM
money-expert$50.00$50.008/4/2009 7:05:13 PM
gilbow$25.00$25.008/5/2009 1:20:11 PM
mydreamsagain$57.32$57.328/5/2009 4:07:37 PM
testobsessed$100.00$100.008/5/2009 3:56:14 PM
Vacs4u$25.00$25.008/5/2009 4:23:33 PM
funtwosay$25.00$25.008/5/2009 4:00:11 PM
mc81$25.00$25.008/5/2009 4:07:22 PM
fund-virtuoso$25.00$25.008/5/2009 4:07:41 PM
cingular$25.00$25.008/5/2009 4:23:52 PM
ChuckChedda$25.00$25.008/5/2009 5:40:33 PM
zaxsan$25.00$25.008/5/2009 7:10:18 PM
draggon77$25.00$25.008/5/2009 7:11:33 PM
orangemutt$25.00$25.008/5/2009 8:00:22 PM
minista$25.00$25.008/6/2009 10:01:18 AM
Superc0ld$89.60$89.608/6/2009 9:56:01 AM
G-Love$25.00$25.008/6/2009 9:20:51 AM
spike16$25.00$25.008/6/2009 1:28:24 PM
wild_carrot$25.00$25.008/9/2009 10:50:23 AM
longisland47m$25.00$25.008/10/2009 3:52:48 AM
massuot$25.00$25.008/10/2009 8:54:04 AM
chkrvrty$25.00$25.008/10/2009 4:34:56 PM
jsnryn$25.00$25.008/11/2009 6:07:17 AM
Hogan55$50.00$50.008/11/2009 6:43:56 PM
RKLFinancial$100.00$100.008/12/2009 8:02:46 PM
bondhedger$25.00$25.008/13/2009 5:53:35 AM
buckyhead2000$25.00$25.008/13/2009 3:55:47 PM
Realjo$50.00$50.008/13/2009 9:19:58 PM
bbrelo$30.95$30.958/14/2009 7:35:52 AM
Rothgoe$25.00$25.008/14/2009 11:47:33 AM
SkyLoan$25.00$25.008/14/2009 2:22:39 PM
maga$50.00$50.008/15/2009 8:43:26 AM
sunnysally$50.00$50.008/15/2009 8:36:46 PM
Rob717171$150.00$150.008/16/2009 10:37:02 AM
the_prince$75.00$75.008/16/2009 8:51:42 AM
CaliforniaSun$50.00$50.008/16/2009 2:07:14 PM
gothampark$25.00$25.008/16/2009 4:56:06 PM
TURNTEX75$29.50$29.508/16/2009 5:35:34 PM
best-generosity-financier$25.00$25.008/16/2009 11:24:06 PM
usd1027$25.91$25.918/17/2009 7:23:40 AM
SkinnyFish$25.00$25.008/17/2009 4:24:05 AM
tjklgueller$50.00$50.008/17/2009 5:58:15 AM
Nasdaq$50.00$50.008/17/2009 9:48:15 AM
Josta$50.00$50.008/3/2009 10:01:12 AM
fizwahh$30.00$30.008/3/2009 10:01:21 AM
elated-justice$25.00$25.008/3/2009 10:01:25 AM
figs4u2$200.00$200.008/3/2009 10:00:20 AM
888168$25.00$25.008/3/2009 10:00:25 AM
caipira$25.00$25.008/3/2009 10:03:36 AM
plentiful-reward$50.00$50.008/3/2009 9:59:45 AM
Breakfast_Gypsy$25.00$25.008/3/2009 10:01:43 AM
ibuystk$50.00$50.008/3/2009 9:59:51 AM
the-silver-blaster$40.00$40.008/3/2009 10:04:03 AM
mathprof$25.00$25.008/3/2009 10:02:16 AM
fortytwo$70.00$70.008/3/2009 10:05:04 AM
ualf$50.00$50.008/3/2009 10:00:32 AM
puifais$25.00$25.008/3/2009 10:05:12 AM
anton$25.00$25.008/3/2009 10:05:31 AM
julijask$25.00$25.008/3/2009 10:01:02 AM
MrDavid$25.00$25.008/3/2009 10:01:07 AM
don8ter$25.00$25.008/3/2009 10:06:00 AM
PHI4308$25.00$25.008/3/2009 10:06:11 AM
keeks$25.00$25.008/3/2009 10:06:17 AM
Veloce$25.00$25.008/3/2009 10:01:50 AM
crazycool$35.00$35.008/3/2009 10:01:55 AM
money73$25.00$25.008/3/2009 10:04:26 AM
scoobiedoo$25.00$25.008/3/2009 10:02:38 AM
hopethisworks$50.00$50.008/3/2009 10:07:36 AM
lagnisiruk$25.00$25.008/3/2009 10:05:08 AM
GElender$50.00$50.008/3/2009 10:05:55 AM
Champpilot$50.00$50.008/3/2009 10:06:03 AM
rmachi$25.00$25.008/3/2009 10:05:21 AM
PalmTreeIsland$50.00$50.008/3/2009 10:05:42 AM
zeelender$25.00$25.008/3/2009 10:06:27 AM
BGILlender$25.00$25.008/3/2009 10:13:18 AM
the-profit-oracle$25.00$25.008/3/2009 10:13:45 AM
SafeSaxa$25.00$25.008/3/2009 10:14:27 AM
skibum65$50.00$50.008/3/2009 10:14:57 AM
money-shaker$25.00$25.008/3/2009 10:14:35 AM
orindalender$25.00$25.008/3/2009 10:31:44 AM
VentureExplorer$25.00$25.008/3/2009 10:31:51 AM
ribbles$45.52$45.528/3/2009 12:20:10 PM
hrubinst$25.00$25.008/3/2009 12:18:30 PM
Cbgator$25.00$25.008/3/2009 5:05:39 PM
dilbert17$25.00$25.008/3/2009 6:06:01 PM
kyxysyx$50.00$50.008/4/2009 6:45:42 AM
Haydendover$25.00$25.008/4/2009 11:12:23 AM
ah-long$25.00$25.008/4/2009 12:28:06 PM
pbo922$25.00$25.008/4/2009 11:12:55 AM
scottr$25.00$25.008/4/2009 1:35:25 PM
Panitza$39.52$39.528/4/2009 4:07:46 PM
windfall46$25.00$25.008/4/2009 4:15:58 PM
slojudy$25.00$25.008/4/2009 4:16:47 PM
AdamClemSC$25.00$25.008/4/2009 4:18:54 PM
Tavita$25.00$25.008/4/2009 4:18:57 PM
pensacolaborn$25.00$25.008/4/2009 4:16:00 PM
gravbox$25.00$25.008/4/2009 4:20:23 PM
salala$25.00$25.008/4/2009 4:17:02 PM
BayShell$40.00$40.008/4/2009 4:17:27 PM
ohnezweck$25.00$25.008/4/2009 4:18:59 PM
gdbanks$25.00$25.008/4/2009 6:00:54 PM
p2ploan-battalion509$40.30$40.308/4/2009 6:20:10 PM
wings2fly$25.00$25.008/4/2009 6:20:13 PM
LordKinbote$25.00$25.008/4/2009 8:16:40 PM
DadWarbucks$31.37$31.378/4/2009 8:21:02 PM
sail120$25.00$25.008/4/2009 8:21:31 PM
jstefans$25.00$25.008/4/2009 7:45:56 PM
jameskdean$25.00$25.008/4/2009 8:50:27 PM
zrohmm$25.00$25.008/4/2009 8:21:38 PM
bxdoc$100.00$100.008/5/2009 5:25:14 AM
JL_FC$25.00$25.008/5/2009 9:40:49 AM
IP$30.47$30.478/5/2009 11:01:31 AM
money2k$25.00$25.008/5/2009 4:45:30 PM
econgineer$50.00$50.008/5/2009 7:53:05 PM
tijuas90$25.00$25.008/5/2009 5:55:26 PM
Ryman81580$25.00$25.008/5/2009 7:10:20 PM
cashfl0w$50.00$36.428/5/2009 8:20:21 PM
feedpaulyfaster$25.00$25.008/6/2009 4:08:59 PM
LibbyZ$50.00$50.008/7/2009 12:04:49 PM
Trident-Fund$65.50$65.508/8/2009 8:04:18 PM
witty-compassion$25.00$25.008/9/2009 8:15:39 AM
Dan12781$25.00$25.008/10/2009 12:46:47 PM
MidnightBank$25.00$25.008/10/2009 1:17:18 PM
wealthydc$45.00$45.008/11/2009 6:14:58 PM
PR05P3RToday$25.00$25.008/12/2009 7:13:25 PM
martymaniaman$25.00$25.008/13/2009 5:37:47 AM
pja138$50.00$50.008/13/2009 8:19:48 PM
G-Love$75.00$75.008/14/2009 7:59:06 AM
ORteacher$25.00$25.008/14/2009 10:47:09 AM
Ven58$50.00$50.008/14/2009 1:28:40 PM
brutusbone$50.00$50.008/14/2009 4:05:03 PM
medkoder$75.00$75.008/14/2009 8:22:04 PM
Eagledrop$25.00$25.008/15/2009 1:44:48 PM
unfixer$25.00$25.008/15/2009 11:40:07 PM
malypom$50.00$50.008/15/2009 11:50:25 AM
knowonder$50.00$50.008/15/2009 5:22:52 PM
carmat60$25.00$25.008/15/2009 10:39:44 PM
rlbbank$25.00$25.008/16/2009 8:53:12 AM
twjh$25.00$25.008/16/2009 1:29:04 PM
Leshan$50.00$50.008/16/2009 1:23:20 PM
the-owner$25.00$25.008/16/2009 11:05:35 PM
yu-rik$25.00$25.008/16/2009 6:53:31 PM
JCM_MN$25.00$25.008/16/2009 7:37:47 PM
LAKETIME$25.00$25.008/17/2009 6:38:33 AM
zapquoc$25.00$25.008/16/2009 10:19:01 PM
kilpat$34.05$34.058/17/2009 7:38:58 AM
rmpedi33$25.00$25.008/17/2009 8:55:50 AM
200 bids
 
Borrower Payment Dependent Notes Series 419256
This series of Notes was issued and sold upon the funding of the borrower loan #38295, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,000.00 Prosper Rating: C Auction start date:  Aug-04-2009 
Term: 36 months Estimated loss: 8.0% Auction end date:  Aug-18-2009 
 
Starting lender yield: 21.67% Starting borrower rate/APR: 22.67% / 24.94% Starting monthly payment: $346.84
Final lender yield: 19.65% Final borrower rate/APR: 20.65% / 22.90% Final monthly payment: $337.46
 
Auction yield range: 8.23% - 21.67% Estimated loss impact: 8.46%  
Lender servicing fee: 1.00% Estimated return: 11.19%  
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-2000 Debt/Income ratio: 28%
Credit score: 700-720 (Aug-2009) Current / open credit lines: 11 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $4,736 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 33%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bountiful-peace 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
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards and put me in a position to make a single payment every month.

My financial situation:
I am a good candidate for this loan because I have a good job as an auditor in a secure industry at a growing company, also I am in a very good position to be promoted at the end of the year.

Monthly net income: $ 3,400

Monthly expenses: $
??Housing: $ 555
??Insurance: $ 100
??Car expenses: $ 420?
??Utilities: $ 65
??Phone, cable, internet: $ 100
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 750
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Could you explain how a CPS ended up with a C credit rating? - Johnab
A: I have a good amount of credit card debt from when I was in college and business school, now that I have been working full-time in accounting I have better financial skills then I did at that time. (Aug-04-2009)
Q: could you explain how come your housing cost is so low? - Johnab
A: I am single and live in a small apartment, for work I travel quite a bit so housing is an area that I am trying to save money for the moment. In Denver it is easy to find inexpensive apartments if you don't need to live downtown or in one of the more affluent neihborhoods. (Aug-04-2009)
Q: What are the specific loan balances and their respective rates that you will pay off with this loan? - Lender25
A: 18% - 2,500 24% - 4,000 24.5% - 2,000 (Aug-09-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
return-owner$25.00$25.008/4/2009 3:55:10 PM
kubien$25.00$25.008/4/2009 3:55:15 PM
bajaruss$25.00$25.008/4/2009 3:55:31 PM
Cthulu$25.00$25.008/4/2009 3:55:13 PM
stanbalwight4$25.00$25.008/4/2009 3:55:38 PM
tlp43$25.00$25.008/4/2009 3:55:20 PM
overflowinglife$25.00$25.008/4/2009 3:55:42 PM
mistertao$25.00$25.008/4/2009 3:55:24 PM
How$25.00$25.008/4/2009 3:55:47 PM
homebody26$25.00$25.008/4/2009 3:55:37 PM
create42xn$25.00$25.008/4/2009 3:55:52 PM
Apeman00$25.00$25.008/4/2009 3:55:40 PM
Msbutterfly$25.00$25.008/4/2009 3:55:56 PM
reueljw$25.00$25.008/4/2009 3:55:51 PM
durban$25.56$25.568/4/2009 3:55:58 PM
mrack$25.00$25.008/4/2009 3:55:55 PM
college_girl$25.00$25.008/4/2009 3:56:04 PM
bookloverInCA$50.00$50.008/4/2009 3:56:02 PM
misstdoe$25.00$25.008/4/2009 3:56:18 PM
scottr$25.00$25.008/4/2009 3:56:13 PM
midde551$25.00$25.008/4/2009 3:56:16 PM
bharosa$25.00$25.008/4/2009 3:56:22 PM
roxon$25.00$25.008/4/2009 3:56:40 PM
JohnSmith10$25.00$25.008/4/2009 3:56:34 PM
Brain_m$50.00$50.008/4/2009 3:56:36 PM
LenderOnWheels$25.00$25.008/4/2009 3:56:47 PM
Joon$25.00$25.008/4/2009 3:56:54 PM
ILoveSushi$25.00$25.008/4/2009 3:56:55 PM
linklady$25.00$25.008/4/2009 3:57:01 PM
alverado$50.00$50.008/4/2009 3:57:05 PM
EricLender$25.00$25.008/4/2009 3:57:06 PM
witty-compassion$25.00$25.008/4/2009 3:57:09 PM
KennyKneivel$25.00$25.008/4/2009 3:57:17 PM
somebody32$25.00$25.008/4/2009 3:57:13 PM
zxw$37.59$37.598/4/2009 3:57:23 PM
Orringo$25.00$25.008/4/2009 3:57:18 PM
businessguy29$25.00$25.008/4/2009 3:57:28 PM
webclimber$25.00$25.008/4/2009 3:57:23 PM
leftcoast52$25.00$25.008/4/2009 3:57:56 PM
Penny$50.00$50.008/4/2009 3:58:01 PM
plentiful-reward$50.00$50.008/4/2009 3:58:06 PM
decisive-capital$50.00$50.008/4/2009 3:58:16 PM
Chakma$25.00$25.008/4/2009 3:55:25 PM
Robyn5722$25.00$25.008/4/2009 3:55:28 PM
catterpillar$25.00$25.008/4/2009 3:55:32 PM
RB_Double-A_Bravo$25.00$25.008/4/2009 3:55:36 PM
Lender0424$25.00$25.008/4/2009 3:55:52 PM
Mavdyaus$25.00$25.008/4/2009 3:55:59 PM
skuba$25.00$25.008/4/2009 3:56:05 PM
jldallover$50.00$50.008/4/2009 3:56:10 PM
taylor883$25.00$25.008/4/2009 3:56:29 PM
BenBernanke$25.00$25.008/4/2009 3:56:57 PM
jecm27$25.00$25.008/4/2009 3:57:07 PM
xyzkid3$50.00$50.008/4/2009 3:57:17 PM
millipotski$25.00$25.008/4/2009 3:57:19 PM
mbwillma$25.00$25.008/4/2009 3:57:24 PM
Residuum$25.00$25.008/4/2009 3:57:27 PM
beyondmanagement$25.00$25.008/4/2009 3:57:55 PM
ibuystk$50.00$50.008/4/2009 3:58:07 PM
dcoggins$25.00$25.008/4/2009 5:44:45 PM
bartenderpro$25.00$25.008/4/2009 9:18:30 PM
poundofbits$25.00$25.008/4/2009 10:01:42 PM
Bank_Of_XL$50.00$50.008/5/2009 8:39:15 AM
1stBankAndHal$29.43$29.438/5/2009 6:04:39 AM
ksubd$50.00$50.008/5/2009 12:17:42 PM
ElkGrove32$25.00$25.008/5/2009 10:58:12 AM
inforapenny$25.00$25.008/5/2009 4:06:39 PM
Brown98$25.00$25.008/5/2009 4:10:14 PM
Finchy78$25.00$25.008/5/2009 4:07:03 PM
interstellar$50.00$50.008/5/2009 5:05:36 PM
bigb7$33.97$33.978/6/2009 10:20:57 AM
Syzygy$25.00$25.008/6/2009 3:37:46 PM
lagnisiruk$33.00$33.008/6/2009 8:56:26 PM
MGMNT$100.00$100.008/7/2009 9:54:33 AM
mpatrick$100.00$100.008/7/2009 11:26:55 AM
zento$25.00$25.008/7/2009 2:37:57 PM
psycardis$25.00$25.008/8/2009 2:12:59 AM
dm82$38.37$38.378/9/2009 9:23:25 AM
rockhound84$50.00$50.008/9/2009 2:56:43 PM
killdare$25.00$25.008/10/2009 9:09:09 AM
nimble-revenue$50.00$50.008/10/2009 1:05:45 PM
silverloan$50.00$50.008/10/2009 1:17:13 PM
Investor22$25.00$25.008/11/2009 1:31:49 PM
LibbyZ$47.44$47.448/12/2009 1:35:14 PM
DackoDenk$25.00$25.008/12/2009 5:07:39 PM
ChrisKwan$25.00$25.008/12/2009 4:38:33 PM
stonybrookimports$27.85$27.858/14/2009 7:46:26 AM
wowlender$25.00$25.008/14/2009 12:00:40 PM
brutusbone$50.00$50.008/14/2009 4:12:34 PM
havok555$44.89$44.898/14/2009 5:31:32 PM
Ruddyboy$25.31$25.318/14/2009 10:51:09 PM
foothillender$25.00$25.008/15/2009 6:46:59 AM
jchurchi$50.00$50.008/15/2009 4:22:22 PM
Its_about_time$50.00$50.008/16/2009 12:43:58 PM
Eagledrop$25.00$25.008/16/2009 1:46:45 PM
j5505$32.00$32.008/16/2009 8:23:30 AM
ORteacher$50.00$50.008/17/2009 8:38:03 AM
Musiclover27$25.00$25.008/17/2009 10:06:09 AM
piznaul$50.00$50.008/17/2009 10:50:27 AM
SkyLoan$25.00$25.008/17/2009 11:29:54 AM
SKLend$25.00$25.008/17/2009 12:51:05 PM
GaryEsq$25.00$25.008/17/2009 4:32:02 PM
reliant$25.00$25.008/17/2009 4:35:35 PM
jasbra$25.00$25.008/17/2009 5:10:37 PM
CoolPlexer$25.00$25.008/17/2009 7:36:47 PM
brilliant-balance$25.00$25.008/17/2009 9:53:33 PM
sugybutt$25.00$25.008/17/2009 10:47:34 PM
1traveler$25.00$25.008/18/2009 1:56:20 AM
money-expert$25.00$25.008/18/2009 5:50:03 AM
bitano$50.00$50.008/18/2009 7:20:08 AM
Taho$50.00$50.008/18/2009 7:22:18 AM
Leshan$50.00$50.008/18/2009 7:44:22 AM
crw1950$50.00$50.008/18/2009 7:55:48 AM
bondhedger$25.00$25.008/18/2009 8:27:30 AM
LeoBUSIIT$25.00$25.008/18/2009 8:51:14 AM
personanongratta04$50.00$50.008/18/2009 9:29:20 AM
ezhik00$25.00$25.008/18/2009 10:06:17 AM
sassykatty$50.00$50.008/18/2009 11:34:09 AM
yu-rik$50.00$50.008/18/2009 2:14:45 PM
yu-rik$40.00$40.008/18/2009 2:24:09 PM
branaa99$25.00$25.008/18/2009 3:02:50 PM
power-grid134$25.00$25.008/18/2009 3:48:38 PM
BCD$25.00$25.008/4/2009 3:55:35 PM
DaveG56313$25.00$25.008/4/2009 3:55:41 PM
coin-enclave$25.00$25.008/4/2009 3:55:45 PM
normadesmond$25.00$25.008/4/2009 3:55:34 PM
ro37$25.00$25.008/4/2009 3:55:40 PM
atlviet$25.00$25.008/4/2009 3:55:54 PM
kattghoti$25.00$25.008/4/2009 3:55:49 PM
SKAGIT22$25.00$25.008/4/2009 3:55:53 PM
jwm$25.00$25.008/4/2009 3:56:01 PM
leucadian$50.00$50.008/4/2009 3:56:00 PM
iLoaner$36.62$36.628/4/2009 3:56:09 PM
Marsue$25.00$25.008/4/2009 3:56:17 PM
Ilikupono$50.00$50.008/4/2009 3:56:21 PM
spyro$25.00$25.008/4/2009 3:56:14 PM
Microfinancer$25.00$25.008/4/2009 3:56:24 PM
kumpa2u$25.00$25.008/4/2009 3:56:20 PM
namisguy$25.00$25.008/4/2009 3:56:27 PM
chlebie$25.00$25.008/4/2009 3:56:32 PM
BusyAgent$25.00$25.008/4/2009 3:56:42 PM
geemel$25.00$25.008/4/2009 3:56:38 PM
Hartfelt$40.00$40.008/4/2009 3:56:44 PM
urbanMisfit$25.00$25.008/4/2009 3:56:49 PM
vacation-funding$25.00$25.008/4/2009 3:56:52 PM
lepolgr$50.00$50.008/4/2009 3:56:59 PM
twohorn$25.00$25.008/4/2009 3:57:03 PM
RationalWorld$25.00$25.008/4/2009 3:57:11 PM
utukxul$25.00$25.008/4/2009 3:57:15 PM
Adam_00$50.00$50.008/4/2009 3:57:16 PM
travel_professional$25.00$25.008/4/2009 3:57:21 PM
dannyboy_997$25.00$25.008/4/2009 3:57:25 PM
TennSquire$25.00$25.008/4/2009 3:57:32 PM
RusRobo$25.00$25.008/4/2009 3:57:37 PM
sloan$25.00$25.008/4/2009 3:57:57 PM
fireboss$100.00$100.008/4/2009 3:58:04 PM
figs4u2$200.00$15.168/4/2009 3:58:18 PM
glcorps$25.00$25.008/4/2009 3:55:23 PM
bankofsam$25.00$25.008/4/2009 3:55:26 PM
TommyTucker$25.00$25.008/4/2009 3:55:29 PM
intuitive-basis$25.00$25.008/4/2009 3:55:32 PM
lookingup78$25.00$25.008/4/2009 3:55:39 PM
Tahoeguy$25.00$25.008/4/2009 3:55:50 PM
saltymt$25.00$25.008/4/2009 3:55:55 PM
compassion-paladin042$25.00$25.008/4/2009 3:56:19 PM
Westerly$50.00$50.008/4/2009 3:56:37 PM
Mymoney4loan$25.00$25.008/4/2009 3:56:45 PM
shortstop21$25.00$25.008/4/2009 3:56:50 PM
loantigger$25.00$25.008/4/2009 3:57:10 PM
orangemutt$25.00$25.008/4/2009 3:57:14 PM
bxdoc$25.00$25.008/4/2009 3:57:22 PM
Goat$50.00$50.008/4/2009 3:57:26 PM
mydreamsagain$50.00$50.008/4/2009 3:57:41 PM
fair_rates$25.00$25.008/4/2009 4:06:37 PM
building_community$25.00$25.008/4/2009 4:07:32 PM
Chava15$25.00$25.008/4/2009 8:21:03 PM
Johnab$50.00$50.008/5/2009 4:36:32 AM
BGILlender$50.00$50.008/5/2009 6:11:47 PM
congardner1$25.00$25.008/6/2009 5:37:04 AM
twjh$25.00$25.008/6/2009 6:06:01 PM
Sol_Invictus$25.00$25.008/6/2009 6:31:23 PM
gpuck$25.00$25.008/6/2009 4:37:42 PM
DannyPhantom$35.00$35.008/6/2009 9:05:34 PM
unger$158.71$158.718/6/2009 11:39:42 PM
GABC-1$50.00$50.008/7/2009 7:22:38 AM
Rosencranz$25.00$25.008/7/2009 5:19:29 PM
r1w$50.00$50.008/8/2009 6:46:02 AM
unger$255.72$255.728/9/2009 3:20:25 AM
SanJoser$100.00$100.008/10/2009 9:29:19 AM
HQLender06851$25.00$25.008/10/2009 12:43:59 PM
roadster199$25.00$25.008/11/2009 5:10:26 PM
Trimalchio12$25.00$25.008/11/2009 6:22:17 PM
axelducheck$25.00$25.008/12/2009 2:35:17 PM
PrinceValium$25.00$25.008/12/2009 1:30:41 PM
Gaelicman$100.00$100.008/12/2009 4:56:51 PM
stdrgj15$50.00$50.008/12/2009 11:13:54 PM
fireferd$100.00$100.008/13/2009 6:46:22 AM
Jinja$25.00$25.008/13/2009 10:38:52 AM
pja138$50.00$50.008/13/2009 8:24:36 PM
Maggie3$25.52$25.528/13/2009 9:33:55 PM
econgineer$175.00$175.008/13/2009 9:19:46 PM
Loan_shark718$50.00$50.008/15/2009 9:32:16 AM
CASSHMAN$50.00$50.008/15/2009 4:25:09 PM
the_prince$50.00$50.008/16/2009 8:19:30 AM
dud$50.00$50.008/16/2009 4:05:59 PM
ProModelA$29.62$29.628/17/2009 9:20:15 AM
JDLN$25.00$25.008/17/2009 10:34:02 AM
Astyanax$25.00$25.008/17/2009 10:58:39 AM
Astyanax$25.00$25.008/17/2009 10:58:00 AM
PeePaw$25.00$25.008/17/2009 10:58:53 AM
Entejaeger$76.07$76.078/17/2009 12:16:35 PM
verdiprr$50.00$50.008/17/2009 2:26:56 PM
dahnkster$50.00$50.008/17/2009 2:45:25 PM
RoguishHound$150.00$150.008/17/2009 4:18:14 PM
best-generosity-financier$25.00$25.008/17/2009 4:41:13 PM
AM2008$25.00$25.008/17/2009 6:03:59 PM
chrisb4745$25.00$25.008/17/2009 7:12:15 PM
blLending$25.00$25.008/17/2009 7:59:34 PM
BlueProteus$25.00$25.008/17/2009 9:20:21 PM
padewy$25.00$25.008/17/2009 9:25:51 PM
engbusres$30.00$30.008/17/2009 10:00:47 PM
zapquoc$25.00$25.008/17/2009 10:55:48 PM
Bobusa$25.00$25.008/18/2009 5:12:06 AM
gothampark$25.00$25.008/18/2009 7:04:54 AM
woodsider$50.00$50.008/18/2009 7:22:27 AM
aha6297$32.91$32.918/18/2009 8:20:57 AM
hektek22$300.00$300.008/18/2009 8:37:06 AM
marcomnzs$46.25$46.258/18/2009 9:30:49 AM
cbm369$100.00$100.008/18/2009 9:35:45 AM
Skeptical-one$50.00$50.008/18/2009 9:59:46 AM
PotBellyPete$25.00$25.008/18/2009 9:45:59 AM
autobahn77$25.00$25.008/18/2009 10:44:41 AM
maga$50.00$50.008/18/2009 12:20:18 PM
VOID67$50.00$50.008/18/2009 1:21:52 PM
bobnewt$50.00$50.008/18/2009 1:24:38 PM
LAKETIME$50.00$50.008/18/2009 1:28:58 PM
SkinnyFish$25.00$25.008/18/2009 1:49:43 PM
1LendingSource$53.01$53.018/18/2009 2:34:33 PM
rakey$25.00$25.008/18/2009 3:39:21 PM
Isotope$25.00$25.008/18/2009 3:09:47 PM
240 bids
 
Borrower Payment Dependent Notes Series 419340
This series of Notes was issued and sold upon the funding of the borrower loan #38273, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: AA Auction start date:  Aug-04-2009 
Term: 36 months Estimated loss: 0.6% Auction end date:  Aug-18-2009 
 
Starting lender yield: 7.17% Starting borrower rate/APR: 8.17% / 10.25% Starting monthly payment: $141.37
Final lender yield: 6.95% Final borrower rate/APR: 7.95% / 10.03% Final monthly payment: $140.91
 
Auction yield range: 3.23% - 7.17% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.35%  
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-1995 Debt/Income ratio: 20%
Credit score: 800-820 (Jul-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:7y 3m
Amount delinquent: $0 Revolving credit balance: $4,857 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: phil26687 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 800-820 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
800-820 (Dec-2007)
 
Principal balance: $1,584.09 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Credit Card Elimination
Purpose of loan:
This loan will be used to?

Eliminate current credit card balances.? Relisting because my original request for $6000 wasn't needed.? I have a payment for $1500 scheduled that wasn't accounted for in my math the first go-round...

My financial situation:
I am a good candidate for this loan because?

I can afford to keep paying the credit card company the interest, so why shouldn't I pay you instead?
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
BidderAmount BidAmount WinningBid Date (PT)
elated-justice$25.00$25.008/4/2009 3:58:15 PM
Sid-K$50.00$50.008/4/2009 4:03:04 PM
abuyama22$25.00$25.008/4/2009 4:03:38 PM
888168$50.00$50.008/4/2009 4:03:44 PM
cyberie21$40.00$40.008/4/2009 4:03:51 PM
cash-sensai2$25.00$25.008/4/2009 4:05:16 PM
Avala$25.00$25.008/4/2009 4:03:12 PM
Artist_Blue$25.00$25.008/4/2009 4:07:10 PM
rjleves$25.00$25.008/4/2009 4:07:43 PM
kyomoon$25.00$25.008/4/2009 8:21:59 PM
Faura$25.00$25.008/4/2009 8:50:24 PM
The-Lighthouse-Group$35.00$35.008/5/2009 3:43:19 AM
albatross897$25.00$25.008/5/2009 9:17:49 AM
Goodlender42$25.00$25.008/6/2009 10:01:03 AM
red-sublime-return$25.00$25.008/6/2009 7:52:19 PM
TK4$25.00$25.008/7/2009 10:10:59 AM
IceFisherman$63.21$63.218/7/2009 1:06:29 PM
ChristopherHS$25.00$25.008/7/2009 5:23:57 PM
GElender$50.00$50.008/7/2009 8:10:33 PM
qkinger$50.00$50.008/7/2009 9:37:02 PM
ClearLake$25.00$25.008/8/2009 8:11:08 AM
amit_gu$50.00$50.008/8/2009 12:10:54 PM
jimbo29blue$50.00$50.008/9/2009 9:35:03 AM
doc1$150.00$150.008/9/2009 9:40:32 AM
buckyhead2000$25.00$25.008/10/2009 1:01:43 AM
sisepuede$25.00$25.008/9/2009 9:50:20 PM
djd50$25.00$25.008/10/2009 9:30:52 AM
Ellisdee$36.96$36.968/10/2009 10:31:24 AM
head$25.00$25.008/10/2009 1:15:49 PM
krishopper$25.00$25.008/10/2009 1:40:29 PM
wormdc$25.00$25.008/10/2009 5:55:40 PM
Patrician$25.00$25.008/11/2009 8:15:11 AM
cool_kubera$50.00$50.008/12/2009 6:50:18 AM
brightest-revenue-spark$25.00$25.008/12/2009 9:30:48 AM
kenji4861$30.89$30.898/12/2009 11:15:13 AM
fdsguy$50.00$50.008/12/2009 6:45:44 PM
fotep-financial$25.00$25.008/12/2009 8:50:08 PM
IndianChief$25.00$25.008/12/2009 10:05:29 PM
income-excellence1$25.00$25.008/13/2009 7:56:13 AM
Moron_Buffet$25.00$25.008/13/2009 9:32:43 AM
16888$50.00$50.008/13/2009 11:04:10 AM
Dollars4Rent$25.00$25.008/13/2009 3:18:35 PM
Theboof$25.00$25.008/13/2009 5:35:51 PM
GreenHill$25.00$25.008/13/2009 7:35:34 PM
Sgt_D$25.00$25.008/13/2009 9:55:13 PM
kanpur63$25.00$25.008/14/2009 4:56:09 AM
Natronpee$25.00$25.008/14/2009 7:41:06 AM
jtoms101$25.00$25.008/14/2009 8:47:34 AM
gilbow$25.00$25.008/14/2009 9:11:12 AM
Jassi$50.00$50.008/14/2009 9:35:26 AM
honorable-yield$50.00$36.788/14/2009 10:59:55 AM
gizmo65$100.00$100.008/14/2009 10:33:36 PM
matthewrburk$100.00$100.008/15/2009 1:03:17 AM
One-ninety-three$25.00$25.008/14/2009 8:33:16 PM
OGS_Capital$25.00$25.008/15/2009 8:13:16 AM
violaetain$50.00$50.008/16/2009 4:48:58 PM
Sarspatula$33.68$33.688/16/2009 3:15:34 PM
YummiBear$25.00$25.008/16/2009 7:54:31 PM
Syzygy$25.00$25.008/16/2009 8:21:24 PM
EmeritusX$25.00$25.008/17/2009 11:46:35 AM
busybee999$25.00$25.008/17/2009 12:17:01 PM
jpblan11$25.00$25.008/17/2009 5:17:55 PM
JerryB96$25.00$25.008/17/2009 6:37:33 PM
Taxman44$25.00$25.008/18/2009 7:24:12 AM
bossyboots01$50.00$50.008/18/2009 9:30:46 AM
bornsucka$25.00$25.008/18/2009 11:55:33 AM
fortytwo$125.00$125.008/4/2009 3:59:25 PM
shadowflame_99$25.00$25.008/4/2009 3:59:18 PM
turbospeed$25.00$25.008/4/2009 4:02:50 PM
sas19$25.00$25.008/4/2009 4:02:59 PM
DukSerduk$25.00$25.008/4/2009 4:03:25 PM
totoro$25.00$25.008/4/2009 4:03:17 PM
mathprof$25.00$25.008/4/2009 4:04:06 PM
tallcoolone$25.00$25.008/4/2009 4:03:32 PM
greenback-floret$25.00$25.008/4/2009 4:03:57 PM
skuba$50.00$50.008/4/2009 4:04:35 PM
truth-companion$25.00$25.008/4/2009 4:08:00 PM
hope-eagle6$25.00$25.008/4/2009 4:08:05 PM
anton$25.00$25.008/4/2009 4:07:51 PM
thedoctor$50.00$50.008/4/2009 10:05:36 PM
bchen78875$25.00$25.008/5/2009 9:19:06 AM
ujiba$25.00$25.008/6/2009 11:31:50 AM
Algaes$25.00$25.008/6/2009 7:27:10 PM
treeline$50.00$50.008/7/2009 5:55:51 AM
lagnisiruk$25.00$25.008/7/2009 10:40:21 AM
shanedog$25.00$25.008/7/2009 12:19:19 PM
DrStaff$60.00$60.008/7/2009 11:20:38 PM
shadowflame_99$25.00$25.008/8/2009 11:10:25 AM
jimbo29blue$50.00$50.008/9/2009 9:35:45 AM
jimbo29blue$50.00$50.008/9/2009 9:36:35 AM
F_r_e_d_s__B_a_n_k$25.00$25.008/10/2009 1:40:46 PM
dudebrah$25.00$25.008/10/2009 4:26:34 PM
grf1945$25.00$25.008/10/2009 5:35:23 PM
brstern2$25.00$25.008/10/2009 8:00:45 PM
don8ter$60.00$60.008/11/2009 8:55:36 AM
sparky1129$25.00$25.008/12/2009 12:55:20 PM
mrzz$25.00$25.008/12/2009 4:25:20 PM
outofoffice$75.55$75.558/12/2009 5:14:55 PM
market-assembler$25.00$25.008/12/2009 4:51:32 PM
wampum-proton$25.00$25.008/12/2009 9:46:30 PM
director877$25.00$25.008/13/2009 5:30:23 AM
Avid_Skier$25.00$25.008/13/2009 9:45:54 AM
Dollars4Rent$25.00$25.008/13/2009 3:18:53 PM
puifais$25.00$25.008/13/2009 5:35:47 PM
JJS180$25.00$25.008/13/2009 5:36:29 PM
bowdish1$50.00$50.008/13/2009 5:36:37 PM
MonkeyPet$25.00$25.008/13/2009 11:56:03 PM
jct_enterprises$25.00$25.008/14/2009 7:36:03 AM
Zoomie$25.00$25.008/14/2009 9:41:52 AM
eyal0$25.00$25.008/14/2009 10:24:43 AM
otalon$31.27$31.278/14/2009 10:43:04 AM
Okeey$25.00$25.008/14/2009 12:21:58 PM
PrinceValium$25.00$25.008/14/2009 7:29:25 PM
Snoopylover$25.00$25.008/15/2009 11:21:17 AM
McChan$100.00$100.008/15/2009 7:58:10 AM
NoNameLender$47.99$47.998/15/2009 1:42:18 PM
FundMaker$31.73$31.738/16/2009 5:56:00 PM
hellasow$25.00$25.008/16/2009 8:09:50 PM
rmpedi33$25.00$25.008/17/2009 8:42:44 AM
MONEYMIKE83$41.94$41.948/17/2009 8:06:29 AM
GABC-1$50.00$50.008/17/2009 10:10:14 AM
axelducheck$25.00$25.008/17/2009 10:59:15 AM
Astyanax$25.00$25.008/17/2009 11:21:49 AM
yenom$25.00$25.008/17/2009 11:25:20 AM
best-generosity-financier$25.00$25.008/17/2009 4:50:42 PM
aislinnn$25.00$25.008/17/2009 11:06:53 PM
Hogan55$25.00$25.008/18/2009 4:35:17 AM
kulender$100.00$100.008/18/2009 4:40:28 AM
gothampark$25.00$25.008/18/2009 6:59:46 AM
129 bids
 
Borrower Payment Dependent Notes Series 419766
This series of Notes was issued and sold upon the funding of the borrower loan #38282, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction start date:  Aug-07-2009 
Term: 36 months Estimated loss: 0.6% Auction end date:  Aug-21-2009 
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 19.69% Starting monthly payment: $35.16
Final lender yield: 4.91% Final borrower rate/APR: 5.91% / 9.39% Final monthly payment: $30.38
 
Auction yield range: 3.23% - 15.00% Estimated loss impact: 0.59%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
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-1999 Debt/Income ratio: 4%
Credit score: 820-840 (Aug-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $11 Occupation: Professional
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: FarmersBank Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Prosper Borrower Investing
Purpose of loan:
This loan will be used to establish a borrowing history on prosper.?? I plan on making automatic payments for the full term of the loan to establish history.

The loan will be used to invest in prosper.

My financial situation:
I am a good candidate for this loan because??

?I have the savings and the ability to pay off the loan.?

monthly income from job $6000
monthly rental income $1,500
Total income $7,500

Expenses

Housing to include (2) mortgages and all utilities 3,800
car payment = $180 (only 800 left on loan)
insurance = $160
Gas/food/entertainment = 600

expenses total 4740





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
BidderAmount BidAmount WinningBid Date (PT)
malcolmreynolds$28.72$28.728/21/2009 3:35:36 PM
RandyL3$50.74$50.748/7/2009 10:48:03 PM
gsd$50.00$50.008/14/2009 1:08:43 PM
billnsc$25.00$25.008/16/2009 6:45:06 PM
bankar$25.00$25.008/17/2009 5:09:39 PM
usd1027$25.00$25.008/18/2009 4:29:02 PM
cwm3651$25.00$25.008/18/2009 8:52:24 PM
The-Lighthouse-Group$25.00$25.008/19/2009 2:15:01 PM
loanman2007$50.00$50.008/20/2009 10:46:54 AM
shellstar$25.00$25.008/20/2009 12:10:12 PM
surferracerskaterboy$50.00$50.008/20/2009 3:31:14 PM
kulender$100.00$100.008/20/2009 10:09:06 PM
sunny1985$25.00$25.008/20/2009 11:56:34 PM
FundMaker$25.00$25.008/21/2009 10:51:30 AM
REITRUST$63.19$63.198/21/2009 8:36:46 AM
BHP12345$25.00$25.008/21/2009 9:50:16 AM
nanaof7$25.00$25.008/21/2009 1:23:48 PM
Dollars4Rent$25.00$25.008/21/2009 12:57:07 PM
livnthedream$60.00$60.008/11/2009 9:48:38 PM
rmpedi33$25.00$25.008/15/2009 8:43:38 PM
qkinger$50.00$50.008/19/2009 12:35:37 PM
shamil45$25.00$22.358/19/2009 2:31:25 PM
YummiBear$25.00$25.008/20/2009 5:40:51 PM
sgmm330$50.00$50.008/20/2009 9:30:33 PM
payontime1$50.00$50.008/20/2009 10:02:17 PM
quiggles$25.00$25.008/21/2009 10:37:00 AM
socal-lender$25.00$25.008/21/2009 3:46:26 PM
27 bids
 
Borrower Payment Dependent Notes Series 419828
This series of Notes was issued and sold upon the funding of the borrower loan #38301, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction start date:  Aug-10-2009 
Term: 36 months Estimated loss: 14.7% Auction end date:  Aug-24-2009 
 
Starting lender yield: 31.91% Starting borrower rate/APR: 32.91% / 37.01% Starting monthly payment: $44.06
Final lender yield: 19.80% Final borrower rate/APR: 20.80% / 24.60% Final monthly payment: $37.57
 
Auction yield range: 14.23% - 31.91% Estimated loss impact: 15.58%  
Lender servicing fee: 1.00% Estimated return: 4.22%  
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: Oct-1991 Debt/Income ratio: 25%
Credit score: 620-640 (Jul-2009) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:18y 11m
Amount delinquent: $0 Revolving credit balance: $8,612 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: LOJOE 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 620-640 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
620-640 (May-2008)
 
Principal balance: $1,058.04 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Help Get rid of this High interest
Purpose of loan:
This loan will be used Pay Off??1 Credit Card
My financial situation:
I am a SFC in the Active US Army, I have been in for 18 year 10 Months.I am current on all my bills and I have never missed a Mortgage Payment, Car Payment etc?In over 4 years. I want to get out from under 2 credit cards, the rates of 29.99% on an HSBC $1300,? I lowered the amount because no one on this site would bid on higher amount to help lower my interest rates. I figured I will pay of one card and it will help out. With your help this card. Thank-you for all you help and hope you help me get rid of this high interest card.
Monthly net income: $ 6,000
Monthly expenses: $
??Housing: $ 1076.00
??Insurance: $ 225
??Car expenses: $ 700
??Utilities: $ 400
??Phone, cable, internet: $?225
??Food, entertainment: $500
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 350
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: Hello, Thank-you for your question. I plan on paying off this loan with 12-18 months. I have a smart plan on paying down debt and I will invest in prosper. As a Soldier I believe in Paying back and Self-less Service. Thank-you and God Bless. (Aug-18-2009)
Q: What is your first and middle name? I have your last name from your picture. If I can verify that you are in the Army I will fund the loan myself. - ErikB
A: EricB, How are you able to do this, It worry's Me for Security Reasons, I was unaware I used a Picture with my last name. Very Dangerous for me. Could you tell me more about you, how you can verify I am indeed US Army and what is the Interest rate you are offering? Thanks (Aug-20-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IPG1$50.00$50.008/12/2009 9:03:30 PM
Integrity1st$25.00$25.008/15/2009 7:36:00 AM
Integrity1st$46.76$46.768/15/2009 6:07:12 PM
Schmendrick$25.00$25.008/21/2009 12:10:51 PM
kulender$50.00$50.008/23/2009 1:41:31 PM
Lender_1972$54.56$54.568/23/2009 1:23:20 PM
vmh20035$50.00$50.008/23/2009 4:17:04 PM
Integrity1st$98.00$98.008/23/2009 6:46:36 PM
thomas16882004$50.00$50.008/23/2009 9:05:02 PM
JJ-Loans$50.00$50.008/24/2009 8:55:43 AM
divine940$27.00$27.008/24/2009 9:29:10 AM
ErikB$50.00$50.008/24/2009 9:38:06 AM
jsnryn$25.00$25.008/24/2009 9:50:20 AM
ErikB$50.00$23.688/24/2009 9:36:36 AM
division177$25.00$25.008/24/2009 9:53:20 AM
IPG1$50.00$50.008/18/2009 6:15:22 AM
SkinnyFish$100.00$100.008/23/2009 6:44:00 AM
SkinnyFish$25.00$25.008/23/2009 2:05:43 PM
Bobusa$25.00$25.008/24/2009 5:11:00 AM
gcarless$50.00$50.008/24/2009 6:40:39 AM
zxr$25.00$25.008/24/2009 7:51:04 AM
eboomer2611$25.00$25.008/24/2009 8:22:07 AM
oxnard$25.00$25.008/24/2009 9:47:40 AM
best-generosity-financier$25.00$25.008/24/2009 9:50:11 AM
24 bids
 
Borrower Payment Dependent Notes Series 419996
This series of Notes was issued and sold upon the funding of the borrower loan #38269, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: E Auction start date:  Aug-10-2009 
Term: 36 months Estimated loss: 14.0% Auction end date:  Aug-22-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.44% Starting monthly payment: $54.28
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.44% Final monthly payment: $54.28
 
Auction yield range: 14.23% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
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: Jun-1997 Debt/Income ratio: 17%
Credit score: 660-680 (Aug-2009) Current / open credit lines: 1 / 1Employment status:Retired
Now delinquent: 0 Total credit lines: 11Length of status:8y 0m
Amount delinquent: $0 Revolving credit balance: $0Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: florida420 Borrower's state: Oregon 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 660-680 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
520-540 (Feb-2008)
 
Principal balance: $654.04 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Sell 3k item Jewelry Collection
Purpose of loan:
This loan will be used for supplies for selling 3k piece jewelry collection. I have spent 5 years collecting Signed Designer jewelry, such as Renoir, Monet, Boucher, Hobe, Castlecliff, Signed Sterling Silver, such as the 190 gm sterling silver ?Rubens?? pictured approximate value $800.00, Vintage jewelry from the 30?s to 60?s. ? of the jewelry I have been selling for $10. The Silver, Jade and higher end Designer items range up to $150. I have 10 Items $200-$800 range.? This July I set up in Bandon, Oregon, a seaside town on Pacific Coast HWY and sold $150 worth of jewelry in 5 hours. I have been given permission to set up on a site on PC HWY just as you enter Bandon from the north. The location is highly visible being on the Coast Highway. The Tourist traffic is getting fully underway and I would like to invest in signage and print media advertisement.? I will be using the loan to buy advertisement in local papers and ?tourist targeted media?. My husband is creating our graphics and web related information. We will be selling on the Oregon Coast from Gold Beach to Newport at various ?tourist? venues.
Sample items http://the-magic-bus-2.weebly.com/
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 your first loan you posted your income and expenses. Can you do the same for this loan? Will you be able to cover the payment during the non-tourist seasons when sales are slow? Thanks. - killdare
A: The Tourist season ends around 11/15, after we will be selling on Ebay, eye42, and on the web, http://the-magic-bus-2.weebly.com/rubens-sterling-silver-necklace.html Just now setting up this site. We have 200 items from another site that will be on WWW.theEyelady.Org & WWW.The-Magic-Bus.Com . We are having a Sale 8/15 in Bandon. http://twitter.com/EstateJewels for results.Income SSI $660 exp$520: Rent$121 Ins$45Car$20Util$70Ph/cable$55Food,ent:$30household$20P1$45P2$54Other$60 (Aug-14-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
foothillender$25.00$25.008/10/2009 3:46:32 PM
rickrhea$50.00$50.008/11/2009 7:08:34 PM
element40$25.00$25.008/13/2009 12:09:52 PM
gbruenin$150.00$150.008/14/2009 7:13:06 PM
Credit2Prosper$25.00$25.008/17/2009 8:25:35 AM
trade-duckling$25.00$25.008/19/2009 6:33:34 AM
Finchy78$25.00$25.008/19/2009 3:55:38 PM
Rosencranz$25.00$25.008/19/2009 4:58:22 PM
littlemonkey$25.00$25.008/20/2009 7:17:39 AM
buffalobills$25.00$25.008/20/2009 9:32:36 AM
lib5836$25.00$25.008/20/2009 9:10:11 PM
Maetryx$54.52$54.528/21/2009 5:58:46 PM
Wyatte$100.00$100.008/21/2009 5:53:36 PM
Jim33$25.00$25.008/21/2009 9:51:08 PM
hellasow$25.00$25.008/22/2009 10:39:40 AM
rvfbroker$25.00$25.008/22/2009 1:34:09 PM
Jasmel$150.00$24.268/11/2009 5:05:11 PM
Kqwik$46.22$46.228/14/2009 12:31:52 PM
rakey$25.00$25.008/16/2009 8:35:43 PM
rubylender$25.00$25.008/17/2009 8:25:30 AM
mrbill5548$25.00$25.008/17/2009 8:25:37 AM
bankbuddy55$25.00$25.008/17/2009 6:56:21 PM
Iceman1347$25.00$25.008/17/2009 9:44:44 PM
PotBellyPete$25.00$25.008/18/2009 1:19:18 PM
bid-wonder$25.00$25.008/19/2009 9:35:12 AM
bear_money$50.00$50.008/21/2009 1:03:40 PM
jbchats$125.00$125.008/21/2009 2:12:07 PM
b2m80s$25.00$25.008/21/2009 4:43:12 PM
ErikB$25.00$25.008/21/2009 4:59:12 PM
best-generosity-financier$25.00$25.008/22/2009 1:09:15 AM
The-Lighthouse-Group$25.00$25.008/22/2009 8:21:25 AM
Pintu_Desai$25.00$25.008/22/2009 5:21:36 PM
32 bids
 
Borrower Payment Dependent Notes Series 385397
This series of Notes was issued and sold upon the funding of the borrower loan #38279, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: A Auction start date:  Aug-10-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Aug-20-2009 
 
Starting lender yield: 10.38% Starting borrower rate/APR: 11.38% / 13.75% Starting monthly payment: $49.38
Final lender yield: 10.38% Final borrower rate/APR: 11.38% / 13.75% Final monthly payment: $49.38
 
Auction yield range: 4.23% - 10.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.25%  
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-1997 Debt/Income ratio: 9%
Credit score: 760-780 (Aug-2009) Current / open credit lines: 15 / 11Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 21Length of status:3y 5m
Amount delinquent: $734 Revolving credit balance: $1,023 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 20%Stated income:$75,000-$99,999
Delinquencies in last 7y: 11 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: AboveAverage Borrower's state: NewJersey Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Unexpected Legal Bills
My financial situation: I would like to pay for a personal civil legal matter involving family. I repeat, this is for a PERSONAL CIVIL matter, not a CRIMINAL matter. I work for a public higher education institution as a database administrator.?It is a public sector and union job so salary is guaranteed providing of course I am not a derelict in duties. Also, should I need to (but ONLY?as a true last resort), I do have as of today I have $14000 in retirement assets that I will tap into should I falter on this loan, in addition to borrowing from my state pension fund (after?5 years, I have over 13k that I paid into pension).

Monthly net income: $3440 (Gross=$5823 monthly)
Monthly expenses: $?2723.29 (total)??
Rent: $ 1000??
Electric and Gas: $ 160??
Phone, cable, internet, cellular: $?247???
Food, entertainment: $ 450??
Clothing, household expenses $ 170??
Current car loan $496.29 + $200 for principal payments

I am single, and that is pretty much all the bills I am responsible for. I buy clothes that are machine washable so I save money on dry cleaning. :-) I will answer any questions that you have. Thank you and please trust me...I already know what it means to default on a loan. I am NOT looking to do that again. I will starve before I have a late payment! Also, I do have credit card debt, but I pay it off EVERY month. It is mainly for groceries.

Thank you Prosper for giving me a chance. Please do not hesitate to ask me any questions.
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
BidderAmount BidAmount WinningBid Date (PT)
turbostar666$50.00$50.008/10/2009 10:04:44 AM
unique007$25.00$25.008/13/2009 2:46:20 PM
CallMeBen$25.00$25.008/16/2009 8:05:37 PM
albatross897$25.00$25.008/17/2009 10:36:40 AM
KlarthXVII$25.00$25.008/19/2009 5:57:12 PM
Hogan55$41.94$41.948/20/2009 4:31:53 AM
ErikB$250.00$133.898/20/2009 9:35:54 AM
whois-JohnGalt$25.00$25.008/20/2009 11:38:04 AM
CK1$25.00$25.008/20/2009 3:37:35 PM
dud$50.00$50.008/20/2009 4:34:43 PM
jpblan11$37.35$37.358/20/2009 6:17:45 PM
minista$25.00$25.008/20/2009 5:07:18 PM
aldeed$100.00$100.008/20/2009 6:24:20 PM
MidnightBank$25.00$25.008/14/2009 9:36:13 AM
andrelaplume$35.00$35.008/16/2009 9:36:19 AM
the-owner$25.00$25.008/18/2009 6:56:03 PM
Ven58$25.00$25.008/20/2009 12:12:22 PM
top-radiant-funds$250.00$250.008/20/2009 3:33:40 PM
bhargapa$400.00$400.008/20/2009 5:03:19 PM
myduck$100.00$100.008/20/2009 4:28:20 PM
Syzygy$25.00$25.008/20/2009 6:10:32 PM
Entejaeger$26.82$26.828/20/2009 7:48:35 PM
22 bids
 
Borrower Payment Dependent Notes Series 419035
This series of Notes was issued and sold upon the funding of the borrower loan #38275, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,000.00 Prosper Rating: A Auction start date:  Aug-03-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Aug-17-2009 
 
Starting lender yield: 11.42% Starting borrower rate/APR: 12.42% / 14.56% Starting monthly payment: $367.57
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $360.13
 
Auction yield range: 4.23% - 11.42% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
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-1999 Debt/Income ratio: 24%
Credit score: 780-800 (Aug-2009) Current / open credit lines: 16 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 40Length of status:7y 2m
Amount delinquent: $0 Revolving credit balance: $8,680 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: DebtFreeBy34 Borrower's state: Michigan Borrower's group: Loans2u
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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 780-800 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
740-760 (Oct-2008)
760-780 (Mar-2008)
 
Principal balance: $5,289.35 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Refinance CC's + Old Prosper Loan

This is a listing for the same thing as my last loan... The difference is I didn't sell my condo yet. Also, now that I know how the Prosper concept works, I want to roll two credit cards into the debt consolidation as well. This would increase my cash flow (not much, but by around $30/month.) The big difference is a shorter term of the loan. Here is what I plan to pay:

Remaining balance on old Prosper loan: $5000 at $279/monthCiti Credit card $2000 at 80/month
Discover Credit card $4000 at 180/month
Current balances total $11000 and ~$540/month.My new circumstances since the last listing are as follows:
Monthly net income: $4000- 4400 (depending on hours worked...)

Monthly expenses: ~$2500
??Housing: $ 1050 (including condo fees) Insurance: $ covered by condo fees
??Car payment: $ 300Utilities: $ ~160
? Auto Insurance: $108
? Cable TV: $129
??Food, entertainment, random stuff expenses: $1000
??Credit cards and other loans + prosper loan: $640
? Other household expenses, gas, etc: $400
?Health insurance: $170
?Life insurance $80
?Savings $150



Let me know if you need anything else. Thanks for considering my loan.

(Just FYI, info from my last Prosper Loan listing should is available if you click on the borrower information. I didn't have enough space here to include both.)

 
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: Could you please explain why you want to refinance your previous prosper loan which already has a very low rate ? If that was not the intention could you please explain in what you will be using the non credit debt amount (5000) you're asking for - Nasdaq
A: The difference in rate is about 5% right now (7.5% vs 12.4%), so you're right it would be pretty stupid to refinance on that alone. However, I am willing to do it because the amount above the prosper loan refinance will be used to pay off two credit cards, which have rates higher than that. So in the end I have a lower monthly payment and end up paying the credit cards off much sooner. (Aug-15-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
elated-justice$25.00$25.008/3/2009 9:59:59 AM
fortytwo$125.00$125.008/3/2009 10:02:56 AM
sas19$25.00$25.008/3/2009 10:06:35 AM
888168$50.00$50.008/3/2009 10:09:19 AM
cyberie21$40.00$40.008/3/2009 10:09:30 AM
Avala$25.00$25.008/3/2009 10:07:24 AM
totoro$25.00$25.008/3/2009 10:07:46 AM
tallcoolone$25.00$25.008/3/2009 10:08:35 AM
abuyama22$25.00$25.008/3/2009 10:08:58 AM
mathprof$25.00$25.008/3/2009 10:10:04 AM
GElender$50.00$50.008/3/2009 10:10:15 AM
lagnisiruk$25.00$25.008/3/2009 10:12:13 AM
hope-eagle6$25.00$25.008/3/2009 10:18:06 AM
Goodlender42$25.00$25.008/4/2009 7:05:27 PM
kenji4861$50.00$50.008/5/2009 12:50:10 AM
Jassi$50.00$50.008/5/2009 7:31:06 AM
yenom$25.00$25.008/5/2009 9:19:02 AM
YellowJacket$25.00$25.008/5/2009 9:32:28 AM
financelover$25.00$25.008/5/2009 12:46:00 PM
RoyFauntleroy$25.00$25.008/5/2009 4:27:02 PM
keyfig$25.00$25.008/5/2009 6:55:19 PM
outofoffice$50.00$50.008/5/2009 4:44:45 PM
Patrician$25.00$25.008/6/2009 8:55:16 AM
CallMeBen$25.00$25.008/6/2009 7:26:02 AM
zhiguli$39.05$39.058/6/2009 4:18:05 PM
kanewna$50.00$50.008/7/2009 4:46:30 AM
treeline$50.00$50.008/7/2009 5:55:23 AM
aganippe$50.00$50.008/7/2009 9:33:54 AM
shanedog$25.00$25.008/7/2009 12:18:40 PM
cheng$25.00$25.008/7/2009 1:10:25 PM
aajwm$36.48$36.488/7/2009 1:36:10 PM
bowdish1$50.00$50.008/7/2009 1:40:15 PM
JJS180$25.00$25.008/7/2009 1:45:51 PM
ALVO$25.00$25.008/7/2009 3:26:58 PM
Syzygy$25.00$25.008/7/2009 3:22:12 PM
ADenny$25.00$25.008/7/2009 3:53:05 PM
Rips$25.00$25.008/7/2009 4:28:14 PM
conceptpi$25.00$25.008/7/2009 5:32:20 PM
Sigonio$25.00$25.008/7/2009 6:55:25 PM
DrStaff$60.00$60.008/7/2009 11:20:26 PM
TH99$25.00$25.008/7/2009 9:16:14 PM
Elbanko$25.00$25.008/8/2009 4:55:29 AM
ClearLake$25.00$25.008/8/2009 8:10:50 AM
broepke$25.00$25.008/8/2009 9:40:11 AM
Raetha$25.00$25.008/8/2009 9:00:22 AM
Hamachi$50.00$50.008/8/2009 11:03:14 AM
rockymtbob$50.00$50.008/8/2009 7:20:46 PM
YogaDude34$125.00$125.008/9/2009 9:20:17 AM
smartie1$25.00$25.008/9/2009 11:35:12 AM
revthunder$50.00$50.008/9/2009 3:55:51 PM
the-owner$25.00$25.008/9/2009 11:30:20 PM
TheColoradoDon$25.00$25.008/10/2009 7:45:41 AM
icefish$50.00$50.008/10/2009 10:22:45 AM
deepventures$25.00$25.008/10/2009 11:40:31 AM
vegibenz$25.00$25.008/10/2009 11:11:52 AM
kanpur63$25.00$25.008/10/2009 1:06:18 PM
Ireland64$25.00$25.008/10/2009 3:05:13 PM
MidnightBank$25.00$25.008/10/2009 4:34:57 PM
wormdc$25.00$25.008/10/2009 5:55:25 PM
szetheli$25.00$25.008/10/2009 9:15:16 PM
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amijo$50.00$50.008/11/2009 7:25:22 AM
jldallover$25.00$25.008/11/2009 8:50:33 AM
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OLYVRC$25.00$25.008/11/2009 5:11:41 PM
greenwell$50.00$50.008/11/2009 5:12:50 PM
sloak$25.00$25.008/11/2009 5:11:50 PM
RB_Double-A_Bravo$25.00$25.008/11/2009 5:13:23 PM
Binan$25.00$25.008/11/2009 6:40:41 PM
tylerfd$25.00$25.008/11/2009 5:11:40 PM
Sumach$25.00$25.008/11/2009 5:12:57 PM
hope-amigo$25.00$25.008/11/2009 7:56:09 PM
Mowine4me$50.00$50.008/11/2009 6:27:42 PM
decisive-capital$100.00$100.008/11/2009 6:46:14 PM
brightest-revenue-spark$25.00$25.008/12/2009 9:30:31 AM
cingular$25.00$25.008/12/2009 11:30:12 AM
BayShell$40.00$40.008/12/2009 10:41:33 AM
GenerousGentleMan$25.00$25.008/12/2009 4:25:14 PM
Kerensky$49.72$49.728/12/2009 4:36:12 PM
fdsguy$50.00$50.008/12/2009 6:45:32 PM
flexiboy35$25.00$25.008/12/2009 9:55:10 PM
juiceman818$25.00$25.008/13/2009 12:10:10 AM
director877$25.00$25.008/13/2009 5:30:16 AM
Castellan$25.00$25.008/13/2009 6:05:47 AM
BigCityLending$25.00$25.008/13/2009 9:30:56 AM
income-excellence1$25.00$25.008/13/2009 7:56:00 AM
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easylender$25.00$25.008/13/2009 11:16:24 AM
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Hexnut$46.39$46.398/13/2009 2:05:54 PM
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moviefool$25.00$25.008/13/2009 3:25:49 PM
fastcar750$25.00$25.008/13/2009 3:25:25 PM
kayakg$25.00$25.008/13/2009 4:00:27 PM
USMC0311$25.00$25.008/13/2009 4:50:10 PM
palpbert$25.00$25.008/13/2009 5:02:03 PM
bankofkarl$25.00$25.008/13/2009 5:01:43 PM
ChuckChedda$25.00$25.008/13/2009 5:02:42 PM
StWaldo$25.00$25.008/13/2009 5:22:49 PM
sail120$25.00$25.008/13/2009 5:07:58 PM
neenerman$25.00$25.008/13/2009 5:31:27 PM
abidos$25.00$25.008/13/2009 5:28:15 PM
leeball$100.00$100.008/13/2009 5:32:56 PM
Railbird$25.00$25.008/13/2009 5:29:29 PM
bradwill$42.72$42.728/13/2009 5:34:40 PM
jfd287$25.00$25.008/13/2009 5:30:09 PM
AndersenWatcher$25.00$25.008/13/2009 5:29:25 PM
wise-silver-wonder$25.00$25.008/13/2009 5:32:26 PM
soccerchamp213$25.00$25.008/13/2009 5:30:15 PM
seattleslug$30.00$30.008/13/2009 5:32:57 PM
sajitp$50.00$50.008/13/2009 5:34:44 PM
Aleut$25.00$25.008/13/2009 5:36:35 PM
Digs$25.00$25.008/13/2009 5:32:50 PM
purohit$25.00$25.008/13/2009 5:33:34 PM
PAID-IN-FULL$25.00$25.008/13/2009 7:20:16 PM
jct_enterprises$25.00$25.008/14/2009 7:35:46 AM
jetblack$50.00$50.008/14/2009 9:26:01 AM
FASTIZIO_P$33.33$33.338/14/2009 9:30:56 AM
Zoomie$25.00$25.008/14/2009 9:41:18 AM
wrchism$29.94$29.948/14/2009 11:41:10 AM
jonesboyz$25.00$25.008/14/2009 12:40:43 PM
Geedub$26.22$26.228/14/2009 2:15:39 PM
Pilotaceh$25.00$25.008/14/2009 2:40:43 PM
ILfarmboy$25.32$25.328/14/2009 1:05:34 PM
willingnjc$25.00$25.008/14/2009 1:30:37 PM
brutusbone$50.00$50.008/14/2009 4:06:27 PM
TheReaderRabbit$25.00$25.008/14/2009 4:15:52 PM
Jumpstartnight$25.00$25.008/14/2009 6:41:10 PM
Guerrilla_Man$25.00$25.008/15/2009 10:30:33 AM
CarlC$25.00$25.008/15/2009 4:25:53 PM
Oakland$50.00$50.008/15/2009 8:06:23 AM
zxw$25.00$25.008/15/2009 5:05:38 PM
carmat60$25.00$25.008/15/2009 10:41:54 PM
JerryB96$25.00$25.008/15/2009 5:47:52 PM
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DalCowboys$50.00$50.008/15/2009 7:03:01 PM
violaetain$50.00$50.008/16/2009 4:35:36 PM
OIF-Veteran$25.00$25.008/16/2009 9:24:58 PM
OIF-Veteran$25.00$25.008/16/2009 9:23:30 PM
bkb7484$25.00$25.008/17/2009 3:51:56 AM
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cowboyskier$50.00$50.008/17/2009 8:45:33 AM
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maga$50.00$50.008/17/2009 8:17:24 AM
DukSerduk$25.00$25.008/3/2009 10:08:02 AM
bchen78875$50.00$50.008/3/2009 10:07:11 AM
anton$25.00$25.008/3/2009 10:09:45 AM
Sid-K$50.00$50.008/3/2009 10:06:52 AM
rjleves$25.00$25.008/3/2009 10:08:16 AM
greenback-floret$25.00$25.008/3/2009 10:09:53 AM
krishopper$25.00$25.008/3/2009 10:11:18 AM
skuba$50.00$50.008/3/2009 10:14:03 AM
cash-sensai2$25.00$25.008/3/2009 3:00:39 PM
Artist_Blue$25.00$25.008/4/2009 8:11:49 AM
fotep-financial$25.00$25.008/4/2009 6:45:21 PM
sisepuede$25.00$25.008/4/2009 8:17:46 PM
truth-companion$25.00$25.008/4/2009 8:21:50 PM
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TheRiver08$25.00$25.008/5/2009 7:05:17 AM
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Veloce$25.00$25.008/5/2009 7:16:13 AM
red-sublime-return$25.00$25.008/5/2009 9:32:00 AM
money-shaker$25.00$25.008/5/2009 7:31:20 AM
cool_kubera$50.00$50.008/5/2009 12:10:52 PM
market-assembler$25.00$25.008/5/2009 4:00:25 PM
gilbow$25.00$25.008/5/2009 4:24:37 PM
Theboof$25.00$25.008/5/2009 6:55:18 PM
puifais$25.00$25.008/5/2009 6:55:27 PM
a-harmonious-deal$25.00$25.008/6/2009 10:00:26 AM
gdbanks$25.00$25.008/6/2009 9:57:53 AM
tornandfrayed$25.00$25.008/6/2009 10:00:58 AM
brstern2$25.00$25.008/6/2009 1:27:41 PM
virtualbank$25.00$25.008/6/2009 4:52:31 PM
mrzz$25.00$25.008/6/2009 4:16:58 PM
rulender$50.00$50.008/6/2009 7:41:53 PM
htargett$25.00$25.008/7/2009 6:16:44 AM
eyal0$25.00$25.008/7/2009 8:40:39 AM
newfoundation$25.00$25.008/7/2009 8:46:33 AM
ujiba$25.00$25.008/7/2009 9:36:53 AM
TK4$25.00$25.008/7/2009 10:10:25 AM
mizount$25.00$25.008/7/2009 11:50:28 AM
thedoctor$25.00$25.008/7/2009 11:55:20 AM
TJ-Financial-Group$50.43$50.438/7/2009 12:20:17 PM
NATIVEBORN$25.00$25.008/7/2009 1:07:51 PM
wamozart$25.00$25.008/7/2009 1:25:54 PM
dumbass$25.00$25.008/7/2009 1:45:49 PM
atlgator$25.00$25.008/7/2009 4:16:22 PM
help_each_other$25.00$25.008/7/2009 4:16:50 PM
BoutYeBank$25.00$25.008/7/2009 6:55:24 PM
unclejaef$25.00$25.008/7/2009 7:15:22 PM
Ellisdee$50.00$50.008/7/2009 6:30:16 PM
justanothersushieater$25.00$25.008/8/2009 11:16:26 AM
aesop$25.00$25.008/9/2009 9:45:20 AM
ronkr$50.00$50.008/9/2009 9:10:18 PM
buckyhead2000$25.00$25.008/10/2009 1:01:26 AM
grf1945$25.00$25.008/10/2009 5:00:19 AM
SavannahBear$25.00$25.008/9/2009 7:55:24 PM
djd50$25.00$25.008/10/2009 9:30:29 AM
head$25.00$25.008/10/2009 1:15:35 PM
panthernoelle$25.00$25.008/10/2009 1:05:32 PM
andycheb$100.00$100.008/10/2009 2:10:24 PM
djs81$25.00$25.008/10/2009 2:10:28 PM
Sixmil$25.00$25.008/10/2009 4:32:26 PM
woodenshoes$60.89$60.898/10/2009 7:40:09 PM
Vacs4u$25.00$25.008/10/2009 8:00:47 PM
gogmagog$35.89$35.898/10/2009 8:05:14 PM
diverse2$50.00$50.008/11/2009 8:25:31 AM
pay-it-forward1010$25.00$25.008/11/2009 9:30:42 AM
Faura$25.00$25.008/11/2009 9:45:18 AM
Strato$25.00$25.008/11/2009 9:31:30 AM
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microeconomicwizadry$25.00$25.008/11/2009 1:50:25 PM
incbx$50.00$50.008/11/2009 5:11:39 PM
LordKinbote$25.00$25.008/11/2009 5:12:52 PM
TheBestDad$25.00$25.008/11/2009 5:13:24 PM
Msbutterfly$25.00$25.008/11/2009 6:40:43 PM
GAOGERAM_BANK$25.00$25.008/11/2009 5:11:37 PM
ejdirin$50.00$50.008/11/2009 7:00:12 PM
cny_loans$25.00$25.008/11/2009 5:13:26 PM
reueljw$25.00$25.008/11/2009 8:26:14 PM
klin$25.00$25.008/12/2009 11:00:12 AM
sh71$25.00$25.008/12/2009 9:31:33 AM
sparky1129$25.00$25.008/12/2009 12:55:10 PM
tijuas90$25.00$25.008/12/2009 2:06:18 PM
Residuum$25.00$25.008/12/2009 4:00:23 PM
shopzone$25.00$25.008/12/2009 4:33:23 PM
Jinja$25.00$25.008/12/2009 5:07:53 PM
IndianChief$25.00$25.008/12/2009 10:05:16 PM
regahj99$25.00$25.008/12/2009 8:35:09 PM
wampum-proton$25.00$25.008/12/2009 9:46:19 PM
BuffetRocks$200.00$200.008/12/2009 11:36:53 PM
kaykarun$36.44$36.448/13/2009 5:40:09 AM
meow8705$25.00$25.008/13/2009 6:05:41 AM
gravbox$25.00$25.008/13/2009 6:05:49 AM
koyote$50.00$50.008/13/2009 7:13:24 AM
Moron_Buffet$25.00$25.008/13/2009 9:32:29 AM
Avid_Skier$25.00$25.008/13/2009 9:45:38 AM
sclark$25.00$25.008/13/2009 9:31:05 AM
brewlots$50.00$50.008/13/2009 9:33:06 AM
seadogs$25.00$25.008/13/2009 11:06:36 AM
KeepOnRunning$50.00$50.008/13/2009 11:10:24 AM
MrDavid$50.00$50.008/13/2009 2:06:02 PM
mmqc$25.00$25.008/13/2009 2:30:39 PM
the-silver-blaster$25.00$25.008/13/2009 2:05:21 PM
Rule62$25.00$25.008/13/2009 2:30:28 PM
BenBernanke$25.00$25.008/13/2009 5:08:01 PM
salala$25.00$25.008/13/2009 5:29:47 PM
member874$25.00$25.008/13/2009 5:30:17 PM
durable-trade$25.00$25.008/13/2009 5:26:10 PM
zyztemboy$25.00$25.008/13/2009 5:31:21 PM
mrpowers5531$25.00$25.008/13/2009 5:31:32 PM
ouiemyster06$50.00$50.008/13/2009 5:31:39 PM
latestone$25.00$25.008/13/2009 5:28:22 PM
AJSinvest$25.00$25.008/13/2009 5:33:39 PM
wjf60$35.11$35.118/13/2009 5:29:59 PM
BlindProphet$25.00$25.008/13/2009 5:30:13 PM
minista$25.00$25.008/13/2009 5:31:11 PM
laststrawman$25.00$25.008/13/2009 5:36:13 PM
Dave0$25.00$25.008/13/2009 5:31:18 PM
square_panda$25.00$25.008/13/2009 5:32:53 PM
Octavian315$50.00$50.008/13/2009 5:33:01 PM
mlbox3k$25.00$25.008/13/2009 5:31:25 PM
Yankeeeagle$25.00$25.008/13/2009 5:31:29 PM
outwish$25.00$25.008/13/2009 5:31:41 PM
geekguy$25.00$25.008/13/2009 5:33:19 PM
moneyman06$25.00$25.008/13/2009 5:33:36 PM
DadWarbucks$50.00$50.008/13/2009 5:36:31 PM
MonkeyPet$25.00$25.008/13/2009 11:55:54 PM
Central_States_Mutual$25.00$25.008/14/2009 12:05:34 AM
Natronpee$25.00$25.008/14/2009 7:40:57 AM
kalex752$29.25$29.258/14/2009 8:02:12 AM
AgTiPinisher$25.00$25.008/14/2009 8:47:47 AM
Masterful1$25.00$25.008/14/2009 7:45:40 AM
Kash2010lu$25.00$25.008/14/2009 7:47:38 AM
dragonflywings$25.00$25.008/14/2009 8:49:28 AM
ultimatepaintball$50.00$50.008/14/2009 9:40:06 AM
lostontheedge$25.00$25.008/14/2009 9:53:29 AM
sergius89$100.00$100.008/14/2009 9:22:46 AM
honorable-yield$50.00$50.008/14/2009 10:59:43 AM
moneyismyfriend$50.00$50.008/14/2009 11:00:08 AM
JustOneVoice$25.00$25.008/14/2009 10:06:21 AM
fireupthegrill$25.00$25.008/14/2009 11:21:02 AM
BritDad$25.00$25.008/14/2009 11:30:53 AM
eggzie$25.00$25.008/14/2009 11:43:49 AM
KiwiElf$48.87$48.878/14/2009 11:20:54 AM
ChicoBob$50.00$50.008/14/2009 1:50:34 PM
yogi1975$25.00$25.008/14/2009 11:24:06 AM
azarael$25.00$25.008/14/2009 11:46:07 AM
kenyonhillbilly$50.00$50.008/14/2009 2:46:07 PM
lowestghost$25.00$25.008/14/2009 4:45:46 PM
mpatrick$100.00$100.008/14/2009 5:21:57 PM
Feline_Parent$25.00$25.008/14/2009 9:05:55 PM
token34$25.00$25.008/14/2009 9:45:43 PM
spiff666$25.00$25.008/15/2009 8:32:11 AM
jpjazzman$25.00$25.008/16/2009 7:17:09 AM
ZerightGifts$200.00$199.938/15/2009 9:05:40 PM
mjjjrj$25.00$25.008/16/2009 1:25:52 PM
GreenMind$25.00$25.008/16/2009 1:10:42 PM
the-financier814$25.00$25.008/16/2009 11:51:32 AM
copiosus$25.00$25.008/16/2009 3:16:04 PM
CaliforniaSun$50.00$50.008/16/2009 2:10:18 PM
dud$50.00$50.008/16/2009 4:05:47 PM
swti37$50.00$50.008/16/2009 6:21:55 PM
Astyanax$25.00$25.008/16/2009 9:31:18 PM
seasportsguy$25.00$25.008/16/2009 10:01:28 PM
CA_Lender$25.00$25.008/16/2009 7:52:50 PM
golffish2$50.00$50.008/17/2009 4:20:38 AM
ski1965$25.00$25.008/17/2009 5:48:15 AM
Patter256$25.00$25.008/17/2009 7:06:29 AM
myduck$75.00$75.008/17/2009 9:27:08 AM
RJN$25.00$25.008/17/2009 9:31:32 AM
best-generosity-financier$25.00$25.008/17/2009 9:44:40 AM
AnxiousAirman$50.00$50.008/17/2009 9:01:59 AM
nerlands$25.00$25.008/17/2009 9:31:15 AM
camaraderi-entrepreneur$25.00$25.008/17/2009 9:30:47 AM
Nasdaq$50.00$50.008/17/2009 9:48:48 AM
hektek22$300.00$300.008/17/2009 9:42:15 AM
321 bids
 
Borrower Payment Dependent Notes Series 419301
This series of Notes was issued and sold upon the funding of the borrower loan #38292, 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:  Aug-04-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Aug-18-2009 
 
Starting lender yield: 10.42% Starting borrower rate/APR: 11.42% / 13.54% Starting monthly payment: $164.69
Final lender yield: 9.35% Final borrower rate/APR: 10.35% / 12.46% Final monthly payment: $162.16
 
Auction yield range: 4.23% - 10.42% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Nov-1997 Debt/Income ratio: 14%
Credit score: 780-800 (Aug-2009) Current / open credit lines: 16 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $12,254 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: aamjohns 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 780-800 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
780-800 (Jun-2008)
 
Principal balance: $3,960.88 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Consolidation of debt
Purpose of loan:
This loan is similar to my last loan.? I have a credit card I have been paying $150 a month on.? I'd like to get a loan with a payment that will be in the ball park of the $150 a month I am already paying.? I can use the loan to pay off the credit card, pay off some other lesser debt, and possibley fix up a room in our house that needs it.? We've been caring for an elderly woman and the room needs so small repairs.?I don't forsee any difficulty paying back the loan since my budget already accounts for the $150 monthly credit card payment, which I will be 'swapping' with the loan payment.
My financial situation:
I pay my bills.? I pay as much as I can.? I?understand the?responsibility that goes with credit.? I also understand how it can be nearly impossible to make headway on?debt repayment when the interest rate is too high.
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 type of work do you do? What is the interest rate of the CC you are wanting to pay off? Thanks! - GoNoles06
A: I am a Computer Systems Administrator. The Interest rate is currently 19.98% Thank you. (Aug-17-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
elated-justice$25.00$25.008/4/2009 3:58:14 PM
fortytwo$125.00$125.008/4/2009 3:59:24 PM
Avala$25.00$25.008/4/2009 4:03:11 PM
totoro$25.00$25.008/4/2009 4:03:16 PM
tallcoolone$25.00$25.008/4/2009 4:03:31 PM
cyberie21$40.00$40.008/4/2009 4:03:50 PM
greenback-floret$25.00$25.008/4/2009 4:03:56 PM
abuyama22$25.00$25.008/4/2009 4:03:37 PM
mathprof$25.00$25.008/4/2009 4:04:04 PM
cash-sensai2$25.00$25.008/4/2009 4:05:15 PM
rjleves$25.00$25.008/4/2009 8:21:49 PM
hope-eagle6$25.00$25.008/5/2009 7:50:25 AM
Goodlender42$25.00$25.008/5/2009 9:35:28 PM
treeline$50.00$50.008/7/2009 5:55:50 AM
GElender$46.81$46.818/7/2009 10:25:15 AM
lagnisiruk$25.00$25.008/7/2009 10:40:20 AM
shanedog$25.00$25.008/7/2009 12:19:18 PM
truth-companion$25.00$25.008/7/2009 2:40:13 PM
sisepuede$25.00$25.008/7/2009 4:40:43 PM
msg500wave$50.00$50.008/7/2009 4:40:21 PM
DrStaff$60.00$60.008/7/2009 11:20:38 PM
ClearLake$25.00$25.008/8/2009 8:11:07 AM
brstern2$25.00$25.008/9/2009 12:20:10 PM
Mumcuz$150.00$150.008/9/2009 3:16:05 PM
kyomoon$100.00$100.008/10/2009 7:42:12 AM
buckyhead2000$25.00$25.008/10/2009 1:01:42 AM
krishopper$25.00$25.008/10/2009 8:35:30 AM
djd50$25.00$15.218/10/2009 9:30:51 AM
QsDad$25.00$25.008/11/2009 4:53:42 PM
jetblack$50.00$50.008/12/2009 5:00:56 AM
qkinger$50.00$50.008/12/2009 4:02:28 PM
market-assembler$25.00$25.008/12/2009 4:36:09 PM
Jinja$25.00$25.008/12/2009 4:56:31 PM
leonchik77$25.00$25.008/12/2009 7:46:23 PM
Dollars4Rent$25.00$25.008/12/2009 8:19:29 PM
revenue-shepherd$25.00$25.008/12/2009 7:51:09 PM
Havana21$500.00$500.008/13/2009 7:34:35 AM
Sarspatula$25.00$25.008/13/2009 5:35:12 PM
OoM$25.00$25.008/13/2009 9:35:01 PM
ChristopherHS$25.00$25.008/14/2009 4:50:52 AM
EmeritusX$25.00$25.008/14/2009 7:25:43 AM
poolboy17$25.00$25.008/14/2009 10:56:20 AM
Kash2010lu$25.00$25.008/15/2009 3:05:15 PM
shag2$25.00$25.008/15/2009 10:38:14 AM
dud$50.00$50.008/16/2009 4:06:01 PM
MmeArgent$100.00$100.008/17/2009 10:38:16 AM
Astyanax$25.00$25.008/17/2009 11:16:03 AM
Astyanax$25.00$25.008/17/2009 11:15:12 AM
Astyanax$25.00$25.008/17/2009 11:15:35 AM
MonkeyHero$25.10$25.108/17/2009 12:00:54 PM
e3oM$50.00$50.008/17/2009 12:06:38 PM
miniloan$39.40$39.408/17/2009 3:40:10 PM
wintersnowman$30.00$30.008/17/2009 5:02:07 PM
radiant-value$25.00$25.008/17/2009 5:52:59 PM
JerryB96$100.00$100.008/17/2009 6:36:16 PM
CA_Lender$25.00$25.008/17/2009 8:51:14 PM
BAEVentures$25.00$25.008/17/2009 9:34:53 PM
calm-p2ploan$25.00$25.008/17/2009 10:16:15 PM
zhiguli$38.31$38.318/17/2009 11:08:18 PM
bondhedger$25.00$25.008/18/2009 8:29:41 AM
rmpedi33$25.00$25.008/18/2009 8:18:05 AM
Moots$50.00$50.008/18/2009 8:30:10 AM
Rustang$50.00$50.008/18/2009 10:44:04 AM
fantasysports$25.00$25.008/18/2009 10:52:15 AM
ehvertherman$28.86$28.868/18/2009 10:55:55 AM
ideal-value$150.00$150.008/18/2009 12:33:41 PM
order-rider$50.00$50.008/18/2009 12:22:47 PM
yu-rik$25.00$25.008/18/2009 2:18:01 PM
chicago_skeptic$30.00$30.008/18/2009 2:27:46 PM
Isotope$25.00$25.008/18/2009 3:15:28 PM
turbospeed$25.00$25.008/4/2009 4:02:49 PM
DukSerduk$25.00$25.008/4/2009 4:03:24 PM
888168$50.00$50.008/4/2009 4:03:43 PM
skuba$50.00$50.008/4/2009 4:04:33 PM
Syzygy$25.00$25.008/4/2009 4:05:06 PM
sas19$25.00$25.008/4/2009 4:02:57 PM
Sid-K$50.00$50.008/4/2009 4:03:03 PM
Artist_Blue$25.00$25.008/4/2009 4:07:08 PM
bchen78875$50.00$50.008/4/2009 6:02:00 PM
anton$25.00$25.008/4/2009 7:35:11 PM
MoneyForNothing$50.00$50.008/5/2009 6:43:22 AM
zento$25.00$25.008/5/2009 7:50:22 AM
red-sublime-return$25.00$25.008/6/2009 10:00:21 AM
Rockymtnhi$26.79$26.798/6/2009 2:37:11 PM
TK4$25.00$25.008/7/2009 10:10:57 AM
Finspons$35.00$35.008/9/2009 3:21:02 PM
Patrician$25.00$25.008/9/2009 12:20:12 PM
revthunder$50.00$50.008/9/2009 3:56:07 PM
vegibenz$25.00$25.008/10/2009 11:13:53 AM
outofoffice$50.00$50.008/10/2009 3:17:37 PM
dudebrah$25.00$25.008/10/2009 4:25:23 PM
LandE2BG$50.00$50.008/12/2009 7:45:27 AM
KFoster$25.00$25.008/13/2009 4:46:23 AM
szetheli$87.00$87.008/13/2009 6:46:42 PM
d3v0t3d$50.00$50.008/14/2009 11:32:43 AM
interstellar$26.43$26.438/14/2009 12:40:38 PM
Jim33$25.00$25.008/14/2009 11:57:19 PM
Terapin0511$58.19$58.198/15/2009 6:36:19 AM
Snoopylover$25.00$25.008/15/2009 11:21:15 AM
Kelor99$25.00$25.008/15/2009 4:28:03 PM
UKJase$25.00$25.008/16/2009 4:29:51 PM
bkb7484$25.00$25.008/17/2009 4:00:57 AM
The-Lighthouse-Group$25.00$25.008/17/2009 10:21:51 AM
yenom$25.00$25.008/17/2009 10:36:58 AM
demszi1978$25.00$25.008/17/2009 10:37:40 AM
iruz$50.00$50.008/17/2009 1:05:03 PM
MrLeft$25.00$25.008/17/2009 1:09:56 PM
PrinceValium$25.00$25.008/17/2009 3:14:51 PM
lawstudent203$25.00$25.008/17/2009 3:11:26 PM
bossyboots01$25.00$25.008/17/2009 4:24:24 PM
best-generosity-financier$25.00$25.008/17/2009 4:46:27 PM
gpuck$25.00$25.008/17/2009 5:06:42 PM
ultimatepaintball$25.00$25.008/17/2009 8:58:40 PM
AustinAmerica$25.00$25.008/17/2009 10:22:28 PM
SkipMcGrath$37.90$37.908/17/2009 10:59:13 PM
kulender$50.00$50.008/18/2009 4:35:18 AM
G-Love$25.00$25.008/18/2009 5:29:08 AM
lasalsa03$25.00$25.008/18/2009 12:08:42 PM
maga$100.00$100.008/18/2009 12:27:29 PM
PotBellyPete$25.00$25.008/18/2009 12:20:47 PM
tedi-tif$50.00$50.008/18/2009 11:55:45 AM
GoNoles06$100.00$100.008/18/2009 12:43:49 PM
122 bids
 
Borrower Payment Dependent Notes Series 419595
This series of Notes was issued and sold upon the funding of the borrower loan #38304, 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:  Aug-10-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Aug-24-2009 
 
Starting lender yield: 10.38% Starting borrower rate/APR: 11.38% / 13.50% Starting monthly payment: $82.30
Final lender yield: 8.50% Final borrower rate/APR: 9.50% / 11.60% Final monthly payment: $80.08
 
Auction yield range: 4.23% - 10.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.38%  
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: 9 First credit line: Nov-1993 Debt/Income ratio: 4%
Credit score: 780-800 (Jul-2009) Current / open credit lines: 4 / 2Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 25Length of status:12y 7m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 25 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: JB2006 Borrower's state: Illinois Borrower's group: UtopiaLoans.com - Now Over $1 Million in Closed Loans!!
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 historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 780-800 (Latest)
Principal borrowed: $2,861.00< mo. late: 0 ( 0% )  
680-700 (Oct-2008)
660-680 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 8  
Description
Increase Credit Score The Smart Way
Purpose of loan:This loan will be used to refinance? a loan that we took out to remodel parts of our rental property.? At the time we took out the loan, we got a high rate.? We are trying to bring this down a few percentage points to help us get additional cash flow.? My financial situation: I am a good candidate for this loan because I have a steady and high paying job.? I earn $80,000 per year?with a bonus of 5-10% depending on corporate performance. The DQ on my record (which has been paid in full) was because of me not being able to pay my school loan after graduating.? I was working odd jobs and although I was making partial payments, the balance due was reported as DQ.? Upon getting a full time job however, I was able to retire close to $18,000 in debt obligations by running my junker to the ground allocating every extra penny to my debt and living cheap.?? Never been a big spender.? Drive a very modest car that is fully paid for.? Own a small apartment complex that I rent out? netting? $720 per month . To save money I live in and building and manage it myself.? ??
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 line of work are you in? By the way, nice increase on your credit score. - TJGbank
A: Thank you ( credit score increase ) and thank you for considering my listing. I work in finance with a Fortune 500 company. (Aug-14-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cards4u$63.71$63.718/23/2009 5:35:07 PM
demszi1978$34.00$34.008/20/2009 2:09:44 AM
kf88$50.00$50.008/21/2009 1:04:02 PM
FortunateFields$37.88$37.888/21/2009 4:17:04 PM
dud$50.00$50.008/21/2009 4:17:16 PM
SkipMcGrath$50.00$50.008/21/2009 4:37:45 PM
BankofBeth$50.00$50.008/21/2009 5:39:12 PM
Ananya$25.00$25.008/21/2009 6:07:24 PM
bossyboots01$50.00$50.008/22/2009 8:03:37 AM
ultimatepaintball$25.00$25.008/21/2009 8:19:29 PM
Astyanax$25.00$25.008/22/2009 9:38:02 AM
CCIExpress$25.00$25.008/22/2009 4:54:18 AM
BipedalHominid$50.00$50.008/22/2009 1:59:08 PM
HealthAndSafety$50.00$50.008/22/2009 6:47:19 AM
mwb$25.00$25.008/22/2009 8:22:24 AM
paixbouche$100.00$100.008/22/2009 2:31:31 PM
Candoman$94.92$94.928/22/2009 2:50:33 PM
justin323$25.00$25.008/22/2009 7:25:07 PM
RiskAdverse$50.00$50.008/22/2009 8:51:29 PM
Toskleon$50.00$50.008/23/2009 6:14:01 PM
Bodyboard$25.00$25.008/23/2009 8:37:51 PM
JTDeli$400.00$62.238/23/2009 12:42:33 PM
dpries123$25.00$25.008/24/2009 6:09:04 AM
Tuss12$25.00$25.008/23/2009 4:59:19 PM
quiggles$25.00$25.008/24/2009 6:38:10 AM
availableloan$25.00$25.008/23/2009 9:14:09 PM
heto2005$25.00$25.008/23/2009 9:27:40 PM
spc91x$25.00$25.008/23/2009 10:22:20 PM
Jinja$30.00$30.008/24/2009 4:57:13 AM
LAKETIME$25.00$25.008/24/2009 9:37:18 AM
LavaWave$25.00$25.008/24/2009 9:49:57 AM
dudebrah$25.00$25.008/24/2009 9:54:50 AM
SecretAgent$118.93$118.938/24/2009 6:26:28 AM
justme4now$25.00$25.008/24/2009 7:30:56 AM
MacBrandon$25.00$25.008/24/2009 9:37:44 AM
Nyarpy$25.00$25.008/19/2009 8:05:30 AM
credit-maestro$35.00$35.008/20/2009 4:26:18 AM
Dollars4Rent$25.00$25.008/20/2009 8:29:59 AM
McChan$100.00$100.008/21/2009 12:03:28 PM
medkoder$29.81$29.818/21/2009 6:26:12 PM
maga$25.00$25.008/21/2009 6:07:29 PM
Castelj$25.00$25.008/22/2009 5:33:01 AM
trekkie3po$26.77$26.778/21/2009 7:55:16 PM
bonFire8$25.00$25.008/21/2009 8:53:11 PM
leverage-thunder$25.00$25.008/22/2009 2:07:10 PM
carmat60$25.00$25.008/23/2009 4:48:19 PM
surferracerskaterboy$50.00$50.008/23/2009 9:44:08 AM
scloans$25.00$25.008/23/2009 12:03:23 PM
radiant-value$25.00$25.008/23/2009 9:24:42 PM
AsianDragon$50.00$50.008/24/2009 12:16:58 AM
Champion_Lending$25.00$25.008/23/2009 3:43:56 PM
bondhedger$25.00$25.008/24/2009 6:23:31 AM
sorace$50.00$50.008/24/2009 7:26:20 AM
sirpher$25.37$25.378/24/2009 7:57:46 AM
coldfuzion$41.38$41.388/23/2009 10:39:21 PM
STLRacer$25.00$25.008/24/2009 9:01:06 AM
Sam40$25.00$25.008/24/2009 9:21:04 AM
oxnard$25.00$25.008/24/2009 9:37:00 AM
Kyileo$50.00$50.008/24/2009 9:50:09 AM
GBlack$25.00$25.008/24/2009 6:02:49 AM
drummerdad$25.00$25.008/24/2009 6:51:54 AM
UCSBGAUCHOS$25.00$25.008/24/2009 7:23:55 AM
P2PHelper$25.00$25.008/24/2009 6:26:49 AM
fatboy888$50.00$50.008/24/2009 8:48:24 AM
best-generosity-financier$25.00$25.008/24/2009 8:54:05 AM
Nasdaq$50.00$50.008/24/2009 9:54:51 AM
division177$25.00$25.008/24/2009 9:50:32 AM
67 bids
 
Borrower Payment Dependent Notes Series 419855
This series of Notes was issued and sold upon the funding of the borrower loan #38285, 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:  Aug-10-2009 
Term: 36 months Estimated loss: 2.1% Auction end date:  Aug-24-2009 
 
Starting lender yield: 17.50% Starting borrower rate/APR: 18.50% / 20.72% Starting monthly payment: $109.21
Final lender yield: 11.95% Final borrower rate/APR: 12.95% / 15.09% Final monthly payment: $101.01
 
Auction yield range: 4.23% - 17.50% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.81%  
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-2007 Debt/Income ratio: 26%
Credit score: 700-720 (Aug-2009) Current / open credit lines: 7 / 6Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 8Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $1,401 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 17%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: dedicated-hope Borrower's state: RhodeIsland 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 for College
Purpose of loan:
This loan will be used for College as back up funding for housing, auto or other emergent use.

My financial situation:
???? I am a good candidate for this loan because I am a responsible graduate student went to Seton Hall from 2006-2008 for M.A in Asian Studies. After that I worked in Bennington College, teaching Chinese Language. Now I am going back to Seton Hall again for another graduate level program, International Business Certificate. My latest credit score is 710. Always pay rent on time, etc.
???? My parents are sponsors for my college funding, also I have funding from the? previous job. I am likely to get to work in the college library, where I used to work. Even though I do have funding resource, it would be better if I have a back up funding for all kinds of emergency use. ?

Monthly net income: $ 600 from library job.?$800 from parents support. ?

Monthly expenses: $ 1050
??Housing: $?600
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
mamayama$100.00$100.008/16/2009 8:39:09 PM
Syzygy$25.00$25.008/19/2009 6:52:33 PM
liberty-equilibrium$90.00$90.008/20/2009 7:10:17 AM
Brown98$25.00$25.008/20/2009 10:37:31 AM
FredHead3$25.00$25.008/20/2009 11:14:34 AM
whois-JohnGalt$25.00$25.008/20/2009 11:38:08 AM
the-owner$25.00$25.008/20/2009 4:25:18 PM
GGWC$46.79$46.798/20/2009 9:48:31 PM
jrlvnv$25.00$25.008/21/2009 7:23:09 AM
ultimatepaintball$25.00$25.008/21/2009 8:24:05 PM
lindssc1$50.00$50.008/21/2009 5:45:49 PM
ManhattanLender$25.00$25.008/22/2009 9:07:20 AM
justanothersushieater$25.00$25.008/22/2009 10:37:51 AM
chapman18$50.00$50.008/22/2009 3:33:17 PM
Tabster$25.00$25.008/22/2009 4:20:19 PM
buckeyeatheart$25.00$25.008/23/2009 9:01:01 AM
CaliforniaSun$50.00$50.008/23/2009 12:30:06 AM
myrddraal$25.00$25.008/23/2009 8:42:36 AM
JCM_MN$25.00$25.008/23/2009 7:22:59 PM
RyTerr$50.00$50.008/23/2009 9:53:15 PM
JerryB96$25.00$25.008/23/2009 6:42:29 PM
GWV2$50.00$50.008/23/2009 8:41:09 PM
dpries123$25.00$25.008/24/2009 5:56:14 AM
IM-SHARKY$1,000.00$630.908/24/2009 9:56:22 AM
cutter21$59.65$59.658/24/2009 9:10:36 AM
LAKETIME$25.00$25.008/24/2009 9:41:35 AM
Kyileo$50.00$50.008/24/2009 9:48:16 AM
oxnard$25.00$25.008/24/2009 9:51:15 AM
preciouschild$200.00$200.008/16/2009 7:29:28 AM
LibbyZ$50.00$50.008/20/2009 9:30:12 AM
minista$25.00$25.008/20/2009 12:02:35 PM
mystss$50.00$50.008/21/2009 10:54:57 AM
USCGC$50.00$50.008/21/2009 5:23:32 PM
bonFire8$33.00$33.008/21/2009 8:55:33 PM
loanman2007$75.00$75.008/22/2009 5:14:06 PM
molotri$25.00$25.008/22/2009 10:15:56 PM
fire_torf$25.00$25.008/23/2009 12:08:52 AM
Hamachi$50.00$50.008/23/2009 2:07:05 AM
roswellandy$41.25$41.258/23/2009 3:34:04 PM
longisland47m$25.00$25.008/23/2009 11:14:29 AM
daekpon$50.00$50.008/23/2009 3:35:16 PM
heather26$25.00$25.008/23/2009 4:55:09 PM
trade-duckling$73.41$73.418/23/2009 5:42:53 PM
AustinAmerica$25.00$25.008/23/2009 6:00:02 PM
Rollshaft$100.00$100.008/24/2009 9:07:54 AM
gothampark$25.00$25.008/23/2009 10:04:18 PM
division177$25.00$25.008/24/2009 9:54:24 AM
bondhedger$25.00$25.008/24/2009 6:26:17 AM
sorace$50.00$50.008/24/2009 7:28:00 AM
fatboy888$25.00$25.008/24/2009 9:03:11 AM
skurfa$50.00$50.008/24/2009 9:15:04 AM
maga$100.00$100.008/24/2009 9:55:38 AM
Nasdaq$25.00$25.008/24/2009 9:55:58 AM
kfi805$100.00$100.008/24/2009 9:53:23 AM
54 bids