Sales Report:Supplement No. 30 dated Sep 01, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
419694
This series of Notes was issued and sold upon the funding of the borrower loan #38339, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-07-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-21-2009 |
|
|
Starting lender yield:
| 28.99% |
Starting borrower rate/APR:
| 29.99% / 32.37% |
Starting monthly payment:
| $148.56 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $113.43 |
| |
|
Auction yield range:
| 4.23% - 28.99% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.17% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jan-2004 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 14 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,920 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 62% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| sunny63 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 19 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $4,300.00 | < mo. late:
| 0
( 0% )
| 700-720
(Oct-2008)
700-720
(Dec-2007)
|
|
Principal balance:
| $2,259.10 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
Please help me be debt free!
Purpose of loan:
I will be using this loan to consolidate two high interest credit cards.? With this loan I will be able to continue my plan of becoming debt free and not using anymore revolving debt.?
My financial situation:
I have a good credit history and will pay this loan back with no problem.? I have just started a new stable job making more money with a very good company.? My spouse also has worked at their job for 2 and a half years.?
Monthly net income: $ 2100 plus my spouses income of $2800 per month. In addition rental income of $756.00 monthly.
Monthly expenses:??These expenses are for my household?not just myself.
??Housing: $ 1007.00??
Insurance: $ 140.00??
Car expenses: $ 257.00??
Utilities: $ 100.00??
Phone, cable, internet: $ 130.00??
Food, entertainment: $ 300.00??
Clothing, household expenses $?0.00??
Credit cards and other loans: $ 600.00??
Other expenses: $ 0.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
In your first loan you planned on consolidating two credit cards and now you plan to do the same thing. What happened that you CCs are still outstanding and not paid off with the first loan? - GABC-1
A:
We had our last loan to pay off our credit cards which we did, but this past winter we were involved in a roll over car accident. We totalled our car, as well as we had two dogs in the back and one ran and was hit by a car and was killed, and had to pay for cremation for her. And our other dog snickers our greyhound was thrown from the car and was injured. We had to pay for her surgeries that were expensive to save snickers, rent a car to get back home. That is why I have more credit card bills.
(Aug-12-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Syzygy | $25.00 | $25.00 | 8/10/2009 2:51:11 PM |
| OKPapa | $26.12 | $26.12 | 8/10/2009 3:46:02 PM |
| szetheli | $88.00 | $88.00 | 8/10/2009 7:07:00 PM |
| r1j2r3 | $25.00 | $25.00 | 8/15/2009 5:12:15 AM |
| nimcha | $50.00 | $50.00 | 8/17/2009 3:23:25 PM |
| psalms6612 | $25.00 | $25.00 | 8/17/2009 3:51:40 PM |
| dorfinia | $75.00 | $75.00 | 8/17/2009 4:33:37 PM |
| FundMaker | $26.71 | $26.71 | 8/17/2009 10:56:56 PM |
| bkb7484 | $25.00 | $25.00 | 8/18/2009 3:47:35 AM |
| loans-from-us-2-u | $50.00 | $50.00 | 8/18/2009 8:21:01 AM |
| rmpedi33 | $25.00 | $25.00 | 8/18/2009 8:23:01 AM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:53:48 AM |
| GABC-1 | $43.00 | $43.00 | 8/18/2009 10:15:33 AM |
| stemper | $50.00 | $50.00 | 8/18/2009 12:32:03 PM |
| lasalsa03 | $25.00 | $25.00 | 8/18/2009 12:11:31 PM |
| mojii77 | $26.00 | $26.00 | 8/18/2009 6:55:34 PM |
| bondo41 | $50.00 | $50.00 | 8/19/2009 4:21:31 PM |
| OGS_Capital | $25.00 | $25.00 | 8/19/2009 8:11:01 PM |
| SeaLoans | $25.00 | $25.00 | 8/19/2009 7:57:46 PM |
| nethawk00 | $25.00 | $25.00 | 8/20/2009 8:15:27 AM |
| SkipMcGrath | $50.00 | $50.00 | 8/20/2009 11:42:31 AM |
| lifeisbeautiful | $50.00 | $4.34 | 8/20/2009 12:16:05 PM |
| bondhedger | $25.00 | $25.00 | 8/20/2009 12:33:22 PM |
| dood2112 | $25.00 | $25.00 | 8/20/2009 6:01:55 PM |
| JerryB96 | $25.00 | $25.00 | 8/20/2009 9:55:30 PM |
| evamkir | $25.00 | $25.00 | 8/20/2009 7:51:50 PM |
| congardner1 | $25.00 | $25.00 | 8/21/2009 7:05:37 AM |
| MCFinance27 | $25.00 | $25.00 | 8/20/2009 8:37:57 PM |
| Hogan55 | $36.26 | $36.26 | 8/21/2009 8:51:09 AM |
| ORteacher | $50.00 | $50.00 | 8/21/2009 8:53:43 AM |
| ColoradoLender82 | $25.00 | $25.00 | 8/21/2009 9:24:12 AM |
| Gambino | $50.00 | $50.00 | 8/21/2009 8:44:32 AM |
| LittleMingo | $25.00 | $25.00 | 8/21/2009 10:59:37 AM |
| suzanny | $25.00 | $25.00 | 8/21/2009 9:18:31 AM |
| GWV2 | $50.00 | $50.00 | 8/21/2009 12:40:32 PM |
| nanaof7 | $25.00 | $25.00 | 8/21/2009 10:47:21 AM |
| JIM1JIM2 | $75.00 | $75.00 | 8/21/2009 1:24:17 PM |
| klemer | $25.00 | $25.00 | 8/21/2009 1:42:43 PM |
| STOCKBROKER1 | $25.00 | $25.00 | 8/21/2009 11:39:59 AM |
| yenom | $25.00 | $25.00 | 8/21/2009 12:02:18 PM |
| ryan6853 | $25.00 | $25.00 | 8/21/2009 2:25:58 PM |
| colorfulgardener | $50.00 | $50.00 | 8/21/2009 3:26:23 PM |
| fortytwo | $50.00 | $50.00 | 8/7/2009 4:02:58 PM |
| Chessplayer71 | $54.00 | $54.00 | 8/9/2009 8:06:49 AM |
| RandyL3 | $25.00 | $25.00 | 8/10/2009 7:32:28 PM |
| CA_Lender | $25.00 | $25.00 | 8/12/2009 12:34:31 AM |
| market-assembler | $25.00 | $25.00 | 8/13/2009 1:25:27 PM |
| interstellar | $50.00 | $50.00 | 8/13/2009 1:35:08 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 8/13/2009 1:32:18 PM |
| gsd | $25.00 | $25.00 | 8/14/2009 1:02:09 PM |
| Uwantfunds | $50.00 | $50.00 | 8/14/2009 3:10:54 PM |
| ChristopherHS | $25.00 | $25.00 | 8/16/2009 4:50:37 AM |
| qkinger | $50.00 | $50.00 | 8/17/2009 11:38:12 AM |
| Bikerider | $60.00 | $60.00 | 8/17/2009 3:43:30 PM |
| lepolgr | $50.00 | $50.00 | 8/17/2009 4:14:09 PM |
| outofoffice | $50.00 | $50.00 | 8/17/2009 7:57:20 PM |
| Niffler | $45.90 | $45.90 | 8/17/2009 7:51:16 PM |
| Catalina_Enterprises | $113.00 | $113.00 | 8/17/2009 10:55:48 PM |
| Disha_Sagar | $25.00 | $25.00 | 8/18/2009 12:46:11 AM |
| autoconnection | $25.00 | $25.00 | 8/18/2009 4:35:17 AM |
| CommerciaLender | $25.00 | $25.00 | 8/18/2009 1:49:33 PM |
| dud | $50.00 | $50.00 | 8/18/2009 6:55:45 PM |
| DackoDenk | $25.00 | $25.00 | 8/18/2009 10:02:21 PM |
| loanman2007 | $50.00 | $50.00 | 8/19/2009 8:20:30 AM |
| irrelevant | $25.00 | $25.00 | 8/19/2009 12:27:08 PM |
| medkoder | $25.00 | $25.00 | 8/19/2009 3:52:50 PM |
| pinnacle10 | $50.00 | $50.00 | 8/19/2009 5:47:39 PM |
| bunnybear | $28.37 | $28.37 | 8/19/2009 9:20:19 PM |
| crdcteng | $25.00 | $25.00 | 8/20/2009 9:50:52 AM |
| bossyboots01 | $25.00 | $25.00 | 8/20/2009 10:45:38 AM |
| delivery | $25.00 | $25.00 | 8/20/2009 9:21:38 AM |
| WeshaTheLeopard | $25.00 | $25.00 | 8/20/2009 2:29:48 PM |
| Duckman_Dot_Com | $25.00 | $25.00 | 8/20/2009 7:05:50 PM |
| mroew | $25.10 | $25.10 | 8/20/2009 5:04:41 PM |
| availableloan | $25.00 | $25.00 | 8/20/2009 5:45:21 PM |
| plouie | $25.00 | $25.00 | 8/20/2009 8:18:24 PM |
| marshallmanhattan | $25.00 | $25.00 | 8/21/2009 7:54:38 AM |
| kulender | $100.00 | $100.00 | 8/20/2009 10:12:05 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/21/2009 12:08:37 AM |
| asdf9876 | $50.00 | $50.00 | 8/21/2009 12:03:36 AM |
| myidear | $25.00 | $25.00 | 8/21/2009 1:55:53 AM |
| GBlack | $25.00 | $25.00 | 8/21/2009 5:38:36 AM |
| bondo41 | $50.00 | $50.00 | 8/21/2009 5:58:00 AM |
| silvercertificate | $34.68 | $34.68 | 8/21/2009 10:33:33 AM |
| kf88 | $50.00 | $50.00 | 8/21/2009 9:05:39 AM |
| Ardy123 | $50.00 | $50.00 | 8/21/2009 12:03:45 PM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:07:41 AM |
| UBOtto186 | $57.15 | $57.15 | 8/21/2009 12:49:54 PM |
| radiant-value | $25.00 | $25.00 | 8/21/2009 10:30:34 AM |
| maga | $25.00 | $25.00 | 8/21/2009 11:30:54 AM |
| ratzlefrss | $50.00 | $50.00 | 8/21/2009 2:25:07 PM |
| division177 | $25.00 | $25.00 | 8/21/2009 3:24:04 PM |
| sunnysally | $50.00 | $50.00 | 8/21/2009 1:35:38 PM |
| Lender12 | $56.37 | $56.37 | 8/21/2009 2:21:06 PM |
| yu-rik | $50.00 | $50.00 | 8/21/2009 3:26:55 PM |
| 95 bids
|
Borrower Payment Dependent Notes Series
419826
This series of Notes was issued and sold upon the funding of the borrower loan #38320, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
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:
| 12.38% |
Starting borrower rate/APR:
| 13.38% / 15.53% |
Starting monthly payment:
| $338.77 |
|
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $324.32 |
| |
|
Auction yield range:
| 4.23% - 12.38% |
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:
| 8 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 780-800 (Aug-2009) |
Current / open credit lines:
| 17
/
14 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 44 | Length of status: | 12y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,196 |
Occupation: | Pharmacist |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 50% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| wonderful-money |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
need to pay down credit card debt
Purpose of loan:
This loan will be used to?
I need this loan in order to pay down my credit card debt and improve my credit score. I also need to pay some medical bills which I was unaware of until I received my credit report. The fact that I only use 2 credit cards and they are almost maxed out?is hurting my credit and I plan to use this loan?to decrease my debt to utilization ratio.
My financial situation:
I am a good candidate for this loan because?
I have a secure job and am financially stable I just need to borrow this money in order to pay down and take advantage of a current interest rate offer my credit card is offering me NOW?but my card is almost maxed out. I have no problem making monthly payments and never pay late. I own my home and have worked for the same company for 12 years. I am just looking for a loan with a low interest rate to help me pay off my debt as quickly as possible.
Thank you
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| sas19 | $25.00 | $25.00 | 8/10/2009 10:08:05 AM |
| Avala | $25.00 | $25.00 | 8/10/2009 10:08:15 AM |
| totoro | $25.00 | $25.00 | 8/10/2009 10:08:18 AM |
| DukSerduk | $25.00 | $25.00 | 8/10/2009 10:08:24 AM |
| ClearLake | $25.00 | $25.00 | 8/10/2009 10:15:39 AM |
| abuyama22 | $25.00 | $25.00 | 8/10/2009 10:08:28 AM |
| 888168 | $50.00 | $50.00 | 8/10/2009 10:08:35 AM |
| cyberie21 | $40.00 | $40.00 | 8/10/2009 10:08:42 AM |
| cash-sensai2 | $25.00 | $25.00 | 8/10/2009 10:09:18 AM |
| bchen78875 | $50.00 | $50.00 | 8/10/2009 10:10:07 AM |
| lagnisiruk | $25.00 | $25.00 | 8/10/2009 10:13:08 AM |
| anton | $25.00 | $25.00 | 8/10/2009 10:14:53 AM |
| DrStaff | $60.00 | $60.00 | 8/10/2009 10:14:56 AM |
| tallcoolone | $25.00 | $25.00 | 8/10/2009 9:30:28 PM |
| don8ter | $60.00 | $60.00 | 8/11/2009 8:55:51 AM |
| vegibenz | $37.76 | $37.76 | 8/11/2009 10:14:23 AM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/12/2009 9:31:00 AM |
| sparky1129 | $25.00 | $25.00 | 8/12/2009 12:55:30 PM |
| income-excellence1 | $25.00 | $25.00 | 8/13/2009 7:56:24 AM |
| Moron_Buffet | $25.00 | $25.00 | 8/13/2009 10:05:52 AM |
| market-assembler | $25.00 | $25.00 | 8/13/2009 1:25:34 PM |
| jct_enterprises | $25.00 | $25.00 | 8/14/2009 7:36:17 AM |
| buckyhead2000 | $25.00 | $25.00 | 8/14/2009 10:37:39 AM |
| kenyonhillbilly | $50.00 | $50.00 | 8/14/2009 2:46:37 PM |
| lowestghost | $25.00 | $25.00 | 8/14/2009 4:46:10 PM |
| aesop | $25.00 | $25.00 | 8/15/2009 10:26:07 AM |
| Guerrilla_Man | $25.00 | $25.00 | 8/15/2009 10:30:52 AM |
| money-shaker | $25.00 | $25.00 | 8/15/2009 11:05:41 AM |
| truth-companion | $25.00 | $25.00 | 8/16/2009 2:20:47 AM |
| seasportsguy | $25.00 | $25.00 | 8/16/2009 10:01:48 PM |
| Patter256 | $25.00 | $25.00 | 8/17/2009 7:06:49 AM |
| gilbow | $25.00 | $25.00 | 8/17/2009 8:06:27 AM |
| wampum-proton | $25.00 | $25.00 | 8/17/2009 10:32:57 AM |
| fdsguy | $50.00 | $50.00 | 8/17/2009 10:33:03 AM |
| wormdc | $25.00 | $25.00 | 8/17/2009 11:41:20 AM |
| Sam65 | $25.00 | $25.00 | 8/17/2009 12:31:53 PM |
| dlshap | $25.00 | $25.00 | 8/17/2009 2:30:41 PM |
| d3global | $25.00 | $25.00 | 8/17/2009 6:32:07 PM |
| ekmendenhall | $25.00 | $25.00 | 8/17/2009 7:46:33 PM |
| Jassi | $45.15 | $45.15 | 8/17/2009 8:55:35 PM |
| Natronpee | $25.00 | $25.00 | 8/17/2009 10:20:35 PM |
| red-sublime-return | $25.00 | $25.00 | 8/17/2009 11:08:28 PM |
| supe11 | $25.00 | $25.00 | 8/17/2009 11:10:10 PM |
| mizount | $25.00 | $25.00 | 8/18/2009 12:50:35 AM |
| Veloce | $25.00 | $25.00 | 8/18/2009 4:41:09 AM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:32:20 AM |
| windfall46 | $25.00 | $25.00 | 8/18/2009 9:58:31 AM |
| brstern2 | $25.00 | $25.00 | 8/18/2009 10:52:32 AM |
| fotep-financial | $25.00 | $25.00 | 8/18/2009 12:32:56 PM |
| Theboof | $25.00 | $25.00 | 8/18/2009 12:35:37 PM |
| Patrician | $25.00 | $25.00 | 8/18/2009 3:59:26 PM |
| atlgator | $25.00 | $25.00 | 8/18/2009 4:21:06 PM |
| GElender | $50.00 | $50.00 | 8/18/2009 4:20:31 PM |
| Wart126 | $25.00 | $25.00 | 8/18/2009 8:21:22 PM |
| pbenjamin | $25.00 | $25.00 | 8/19/2009 7:32:18 AM |
| newfoundation | $25.00 | $25.00 | 8/19/2009 7:30:24 AM |
| AndersenWatcher | $25.00 | $25.00 | 8/19/2009 8:17:28 AM |
| the-silver-blaster | $25.00 | $25.00 | 8/19/2009 8:53:24 AM |
| kaykarun | $32.46 | $32.46 | 8/19/2009 8:42:36 AM |
| sloak | $25.00 | $25.00 | 8/19/2009 8:53:26 AM |
| gogmagog | $33.58 | $33.58 | 8/19/2009 10:42:47 AM |
| aajwm | $38.27 | $38.27 | 8/19/2009 11:47:57 AM |
| virtualbank | $25.00 | $25.00 | 8/19/2009 9:57:26 AM |
| Castellan | $25.00 | $25.00 | 8/19/2009 10:22:19 AM |
| FecundFinancier | $25.00 | $25.00 | 8/19/2009 10:35:19 AM |
| meow8705 | $25.00 | $25.00 | 8/19/2009 11:31:35 AM |
| shopzone | $25.00 | $25.00 | 8/19/2009 3:11:50 PM |
| giannyny | $25.00 | $25.00 | 8/19/2009 6:07:50 PM |
| BoutYeBank | $25.00 | $25.00 | 8/19/2009 4:47:18 PM |
| RoyFauntleroy | $25.00 | $25.00 | 8/19/2009 6:22:25 PM |
| a-harmonious-deal | $25.00 | $25.00 | 8/19/2009 6:42:16 PM |
| unclejaef | $25.00 | $25.00 | 8/19/2009 6:42:17 PM |
| Vacs4u | $25.00 | $25.00 | 8/19/2009 9:22:21 PM |
| GenerousGentleMan | $25.00 | $25.00 | 8/20/2009 9:32:47 AM |
| flexiboy35 | $25.00 | $25.00 | 8/20/2009 11:22:26 AM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:14 AM |
| ILfarmboy | $29.55 | $29.55 | 8/20/2009 2:47:35 PM |
| b-rent | $25.00 | $25.00 | 8/20/2009 4:18:54 PM |
| Gorblum | $25.00 | $25.00 | 8/20/2009 5:47:29 PM |
| Blue_HorseShoe | $50.00 | $50.00 | 8/20/2009 7:12:30 PM |
| andycheb | $29.32 | $29.32 | 8/20/2009 8:57:16 PM |
| money-vista | $25.00 | $25.00 | 8/20/2009 7:42:22 PM |
| conceptpi | $25.00 | $25.00 | 8/20/2009 9:17:16 PM |
| jwood3030 | $25.00 | $25.00 | 8/20/2009 8:47:37 PM |
| icefish | $40.96 | $40.96 | 8/21/2009 4:27:15 AM |
| Bladewil | $25.00 | $25.00 | 8/21/2009 6:37:21 AM |
| bugleusmc | $30.00 | $30.00 | 8/21/2009 7:32:36 AM |
| smartie1 | $25.00 | $25.00 | 8/21/2009 11:22:19 AM |
| Rogelio48 | $25.00 | $25.00 | 8/21/2009 11:35:04 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:32:44 AM |
| leeball | $48.83 | $48.83 | 8/21/2009 11:36:40 AM |
| Sitgarath | $25.00 | $25.00 | 8/21/2009 9:32:28 AM |
| KeepOnRunning | $50.00 | $50.00 | 8/21/2009 9:33:24 AM |
| NJNY | $25.00 | $25.00 | 8/21/2009 9:34:10 AM |
| Cleon | $25.00 | $25.00 | 8/21/2009 9:34:01 AM |
| MrDavid | $50.00 | $50.00 | 8/21/2009 12:32:23 PM |
| Norcal | $25.00 | $25.00 | 8/21/2009 10:42:41 AM |
| Masterful1 | $25.00 | $25.00 | 8/21/2009 1:22:14 PM |
| tolstoy00 | $25.00 | $25.00 | 8/21/2009 11:07:29 AM |
| cyonamine | $25.00 | $25.00 | 8/21/2009 11:27:32 AM |
| YellowJacket | $25.00 | $25.00 | 8/21/2009 11:34:22 AM |
| cingular | $25.00 | $25.00 | 8/21/2009 11:35:17 AM |
| ChicoBob | $50.00 | $50.00 | 8/21/2009 11:34:24 AM |
| Sumach | $25.00 | $25.00 | 8/21/2009 11:43:49 AM |
| DadWarbucks | $50.00 | $50.00 | 8/21/2009 12:15:18 PM |
| bocap | $25.00 | $25.00 | 8/21/2009 12:45:11 PM |
| KBank | $25.00 | $25.00 | 8/21/2009 3:02:23 PM |
| Rule62 | $25.00 | $25.00 | 8/21/2009 3:27:22 PM |
| sardarji | $25.00 | $25.00 | 8/21/2009 4:14:42 PM |
| easylender | $25.00 | $25.00 | 8/21/2009 4:15:00 PM |
| secret-santa | $25.00 | $25.00 | 8/21/2009 4:15:09 PM |
| stensonb | $25.00 | $25.00 | 8/21/2009 4:15:17 PM |
| ArmstrongVentures | $25.00 | $25.00 | 8/21/2009 4:15:38 PM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 8/21/2009 4:15:52 PM |
| mwl | $90.27 | $90.27 | 8/21/2009 4:16:57 PM |
| rogo | $25.00 | $25.00 | 8/21/2009 4:17:54 PM |
| LKN2RTR | $25.00 | $25.00 | 8/21/2009 4:18:07 PM |
| nehemiah65 | $33.00 | $33.00 | 8/21/2009 4:18:29 PM |
| airon7 | $25.00 | $25.00 | 8/21/2009 4:18:33 PM |
| bluesquirrel | $25.00 | $25.00 | 8/21/2009 4:18:52 PM |
| Iowa65 | $35.00 | $35.00 | 8/21/2009 4:19:20 PM |
| gdbanks | $25.00 | $25.00 | 8/21/2009 4:20:16 PM |
| fastcar750 | $25.00 | $25.00 | 8/21/2009 4:13:20 PM |
| sclark | $25.00 | $25.00 | 8/21/2009 4:14:45 PM |
| wrchism | $37.63 | $37.63 | 8/21/2009 4:15:07 PM |
| TH99 | $25.00 | $25.00 | 8/21/2009 4:14:17 PM |
| wamozart | $25.00 | $25.00 | 8/21/2009 4:15:49 PM |
| bigdogsafety1 | $25.00 | $25.00 | 8/21/2009 4:16:01 PM |
| BlindSquirrel | $25.00 | $25.00 | 8/21/2009 4:15:06 PM |
| pay-it-forward1010 | $25.00 | $25.00 | 8/21/2009 4:15:44 PM |
| seattleslug | $30.00 | $30.00 | 8/21/2009 4:15:58 PM |
| synergy4all | $25.00 | $25.00 | 8/21/2009 4:16:03 PM |
| mal12561 | $32.27 | $32.27 | 8/21/2009 4:17:30 PM |
| palpbert | $25.00 | $25.00 | 8/21/2009 4:16:16 PM |
| kmwvma | $25.00 | $25.00 | 8/21/2009 4:18:09 PM |
| Breken6 | $25.00 | $25.00 | 8/21/2009 4:18:31 PM |
| Digiboy88 | $40.52 | $40.52 | 8/21/2009 4:17:32 PM |
| think-become | $25.00 | $25.00 | 8/21/2009 4:19:05 PM |
| amijo | $39.66 | $39.66 | 8/21/2009 4:17:57 PM |
| sabre79 | $25.00 | $25.00 | 8/21/2009 4:18:17 PM |
| jonesboyz | $25.00 | $25.00 | 8/21/2009 4:19:51 PM |
| PAID-IN-FULL | $25.00 | $25.00 | 8/21/2009 4:19:24 PM |
| eggzie | $25.00 | $25.00 | 8/21/2009 4:19:50 PM |
| investment-cluster | $25.00 | $25.00 | 8/21/2009 4:32:27 PM |
| tompau | $25.00 | $25.00 | 8/21/2009 5:43:52 PM |
| yogi1975 | $25.00 | $25.00 | 8/21/2009 6:32:59 PM |
| Makemony | $50.00 | $50.00 | 8/22/2009 10:58:56 AM |
| payontime1 | $50.00 | $50.00 | 8/22/2009 10:40:02 PM |
| scott2004114 | $29.35 | $29.35 | 8/23/2009 7:04:26 AM |
| RiskAdverse | $25.00 | $25.00 | 8/22/2009 8:54:01 PM |
| zhiguli | $35.66 | $35.66 | 8/23/2009 11:28:49 AM |
| kulender | $100.00 | $100.00 | 8/23/2009 1:33:24 PM |
| StanTheMan | $25.00 | $25.00 | 8/23/2009 8:45:33 PM |
| radiant-value | $25.00 | $25.00 | 8/23/2009 9:27:41 PM |
| patriot384 | $50.00 | $50.00 | 8/23/2009 9:35:49 PM |
| oxnard | $25.00 | $25.00 | 8/24/2009 9:45:58 AM |
| ScottFinance | $25.00 | $25.00 | 8/24/2009 9:07:38 AM |
| division177 | $25.00 | $25.00 | 8/24/2009 9:52:53 AM |
| Kyileo | $50.00 | $50.00 | 8/24/2009 9:55:10 AM |
| Sid-K | $50.00 | $50.00 | 8/10/2009 10:08:10 AM |
| elated-justice | $25.00 | $25.00 | 8/10/2009 10:02:06 AM |
| Artist_Blue | $25.00 | $25.00 | 8/10/2009 10:09:40 AM |
| TK4 | $25.00 | $25.00 | 8/10/2009 10:13:03 AM |
| mathprof | $25.00 | $25.00 | 8/10/2009 10:08:51 AM |
| skuba | $50.00 | $50.00 | 8/10/2009 10:09:02 AM |
| shanedog | $25.00 | $25.00 | 8/10/2009 3:01:05 PM |
| fortytwo | $50.00 | $50.00 | 8/10/2009 4:21:25 PM |
| treeline | $25.00 | $25.00 | 8/10/2009 5:00:55 PM |
| Goodlender42 | $25.00 | $25.00 | 8/11/2009 10:12:53 AM |
| thedoctor | $25.00 | $25.00 | 8/11/2009 6:31:11 PM |
| rjleves | $25.00 | $25.00 | 8/12/2009 4:50:51 PM |
| MonkeyPet | $25.00 | $25.00 | 8/13/2009 11:56:12 PM |
| honorable-yield | $50.00 | $50.00 | 8/14/2009 11:00:13 AM |
| willingnjc | $25.00 | $25.00 | 8/14/2009 1:31:35 PM |
| cowboyskier | $50.00 | $50.00 | 8/17/2009 8:45:57 AM |
| krishopper | $25.00 | $25.00 | 8/17/2009 10:27:02 AM |
| grf1945 | $25.00 | $25.00 | 8/17/2009 10:34:55 AM |
| IndianChief | $25.00 | $25.00 | 8/17/2009 10:32:48 AM |
| woodenshoes | $80.10 | $80.10 | 8/17/2009 10:39:20 AM |
| bowdish1 | $50.00 | $50.00 | 8/17/2009 11:24:19 AM |
| kenji4861 | $50.00 | $50.00 | 8/17/2009 11:25:11 AM |
| hope-eagle6 | $25.00 | $25.00 | 8/17/2009 11:25:58 AM |
| kyomoon | $100.00 | $100.00 | 8/17/2009 11:26:03 AM |
| djs81 | $25.00 | $25.00 | 8/17/2009 1:45:45 PM |
| OLYVRC | $25.00 | $25.00 | 8/17/2009 2:21:09 PM |
| mrzz | $25.00 | $25.00 | 8/17/2009 4:36:10 PM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/17/2009 6:40:44 PM |
| paddatjie | $25.00 | $25.00 | 8/17/2009 8:20:56 PM |
| eyal0 | $25.00 | $25.00 | 8/17/2009 10:59:10 PM |
| sisepuede | $25.00 | $25.00 | 8/17/2009 10:59:39 PM |
| keyfig | $25.00 | $25.00 | 8/17/2009 11:11:32 PM |
| Zoomie | $25.00 | $25.00 | 8/18/2009 8:30:37 AM |
| YogaDude34 | $26.19 | $26.19 | 8/18/2009 9:41:24 AM |
| the-financier814 | $25.00 | $25.00 | 8/18/2009 10:21:52 AM |
| seattleite36 | $25.00 | $25.00 | 8/18/2009 10:25:41 AM |
| JJS180 | $25.00 | $25.00 | 8/18/2009 10:46:46 AM |
| rulender | $46.82 | $46.82 | 8/18/2009 12:19:00 PM |
| Avid_Skier | $25.00 | $25.00 | 8/18/2009 2:16:52 PM |
| head | $25.00 | $25.00 | 8/18/2009 2:31:39 PM |
| cool_kubera | $50.00 | $50.00 | 8/18/2009 4:24:10 PM |
| puifais | $25.00 | $25.00 | 8/18/2009 4:23:19 PM |
| majormoves1 | $25.00 | $25.00 | 8/18/2009 4:25:04 PM |
| dumbass | $25.00 | $25.00 | 8/18/2009 4:25:15 PM |
| financelover | $25.00 | $25.00 | 8/18/2009 4:25:52 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:35:55 PM |
| rdrloan | $25.00 | $25.00 | 8/18/2009 7:10:35 PM |
| Sixmil | $25.00 | $25.00 | 8/18/2009 8:21:20 PM |
| cheng | $25.00 | $25.00 | 8/18/2009 8:21:18 PM |
| szetheli | $46.48 | $46.48 | 8/18/2009 9:46:07 PM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:47:20 AM |
| GAOGERAM_BANK | $25.00 | $25.00 | 8/19/2009 8:42:35 AM |
| juiceman818 | $25.00 | $25.00 | 8/19/2009 9:02:24 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:03 AM |
| Kerensky | $36.43 | $36.43 | 8/19/2009 8:24:54 AM |
| Halos2002 | $50.00 | $50.00 | 8/19/2009 9:27:34 AM |
| rmsyvt | $25.00 | $25.00 | 8/19/2009 9:28:19 AM |
| gravbox | $25.00 | $25.00 | 8/19/2009 10:22:21 AM |
| BayShell | $25.46 | $25.46 | 8/19/2009 11:23:06 AM |
| ADenny | $25.00 | $25.00 | 8/19/2009 11:00:58 AM |
| greenwell | $31.93 | $31.93 | 8/19/2009 11:31:40 AM |
| tsui517 | $25.00 | $25.00 | 8/19/2009 11:56:18 AM |
| USMC0311 | $25.00 | $25.00 | 8/19/2009 12:18:02 PM |
| incbx | $48.90 | $48.90 | 8/19/2009 2:34:48 PM |
| Warbler | $25.00 | $25.00 | 8/19/2009 1:32:49 PM |
| klin | $25.00 | $25.00 | 8/19/2009 2:02:40 PM |
| eyewillfindu | $25.00 | $25.00 | 8/19/2009 3:39:59 PM |
| mlender | $25.00 | $25.00 | 8/19/2009 7:07:33 PM |
| tylerfd | $25.00 | $25.00 | 8/19/2009 4:47:21 PM |
| help_each_other | $25.00 | $25.00 | 8/19/2009 5:07:19 PM |
| TheRiver08 | $25.00 | $25.00 | 8/19/2009 6:07:48 PM |
| jldallover | $25.00 | $25.00 | 8/19/2009 9:32:59 PM |
| NATIVEBORN | $34.72 | $34.72 | 8/19/2009 9:43:22 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:33 PM |
| investment-builder0 | $50.00 | $50.00 | 8/19/2009 10:27:21 PM |
| Sigonio | $25.00 | $25.00 | 8/20/2009 1:17:17 PM |
| Strato | $25.00 | $25.00 | 8/20/2009 11:57:25 AM |
| raxbab | $75.00 | $75.00 | 8/20/2009 2:27:33 PM |
| diverse2 | $48.32 | $48.32 | 8/20/2009 12:18:24 PM |
| leneker | $25.00 | $25.00 | 8/20/2009 12:20:13 PM |
| PaulW | $25.00 | $25.00 | 8/20/2009 12:27:22 PM |
| superchicken | $25.00 | $25.00 | 8/20/2009 1:24:12 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 3:50:56 PM |
| jpmusic | $25.00 | $25.00 | 8/20/2009 4:57:57 PM |
| Raetha | $25.00 | $25.00 | 8/20/2009 4:23:35 PM |
| kayakg | $25.00 | $25.00 | 8/20/2009 4:33:55 PM |
| geekguy | $25.00 | $25.00 | 8/20/2009 5:13:45 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 8/20/2009 5:47:38 PM |
| Hambone1111 | $25.00 | $25.00 | 8/20/2009 7:12:45 PM |
| Captain88 | $25.00 | $25.00 | 8/21/2009 4:42:42 AM |
| bkb7484 | $25.00 | $25.00 | 8/20/2009 8:39:50 PM |
| TruckerGuy | $25.00 | $25.00 | 8/20/2009 7:52:16 PM |
| sh71 | $25.00 | $25.00 | 8/21/2009 8:08:32 AM |
| enigmallc | $50.00 | $50.00 | 8/21/2009 8:27:16 AM |
| Trigirl23 | $25.00 | $25.00 | 8/20/2009 9:32:27 PM |
| slartibardfast | $30.00 | $30.00 | 8/21/2009 9:32:17 AM |
| lostontheedge | $25.00 | $25.00 | 8/21/2009 9:34:05 AM |
| Railbird | $25.00 | $25.00 | 8/21/2009 9:34:15 AM |
| faldska | $25.00 | $25.00 | 8/21/2009 6:12:26 AM |
| MC_ | $48.91 | $48.91 | 8/21/2009 10:42:16 AM |
| square_panda | $25.00 | $25.00 | 8/21/2009 11:34:10 AM |
| StWaldo | $25.00 | $25.00 | 8/21/2009 9:32:35 AM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:14 AM |
| naniamo | $25.00 | $25.00 | 8/21/2009 10:09:17 AM |
| peace-cadence | $25.00 | $25.00 | 8/21/2009 10:52:24 AM |
| authentic-deal8 | $25.00 | $25.00 | 8/21/2009 11:34:08 AM |
| kanewna | $54.92 | $54.92 | 8/21/2009 11:33:36 AM |
| ChuckChedda | $25.00 | $25.00 | 8/21/2009 11:34:51 AM |
| TheBestDad | $25.00 | $25.00 | 8/21/2009 11:37:05 AM |
| ronkr | $50.00 | $50.00 | 8/21/2009 11:35:18 AM |
| mmqc | $25.00 | $25.00 | 8/21/2009 3:27:24 PM |
| RandomMonkey | $25.00 | $25.00 | 8/21/2009 3:32:45 PM |
| Residuum | $25.00 | $25.00 | 8/21/2009 1:39:33 PM |
| htargett | $25.00 | $25.00 | 8/21/2009 2:43:14 PM |
| Independenttools | $25.00 | $25.00 | 8/21/2009 3:02:25 PM |
| regahj99 | $25.00 | $25.00 | 8/21/2009 4:14:10 PM |
| vaclh | $25.00 | $25.00 | 8/21/2009 4:15:05 PM |
| TestClees | $25.00 | $25.00 | 8/21/2009 4:15:14 PM |
| zyztemboy | $25.00 | $25.00 | 8/21/2009 4:15:30 PM |
| salala | $25.00 | $25.00 | 8/21/2009 4:17:10 PM |
| mrfixit49 | $25.00 | $25.00 | 8/21/2009 4:17:47 PM |
| fostaman | $25.00 | $25.00 | 8/21/2009 4:18:42 PM |
| SavannahBear | $25.00 | $25.00 | 8/21/2009 4:19:14 PM |
| member123 | $25.00 | $4.13 | 8/21/2009 4:20:19 PM |
| LTR | $25.00 | $25.00 | 8/21/2009 4:12:50 PM |
| CoolHelp | $25.00 | $25.00 | 8/21/2009 4:13:04 PM |
| moola-berserker | $25.00 | $25.00 | 8/21/2009 4:14:15 PM |
| brewlots | $50.00 | $50.00 | 8/21/2009 4:14:32 PM |
| decisive-capital | $100.00 | $100.00 | 8/21/2009 4:14:43 PM |
| cawdrw2002 | $25.00 | $25.00 | 8/21/2009 4:15:33 PM |
| ocv | $25.00 | $25.00 | 8/21/2009 4:15:42 PM |
| sajitp | $34.62 | $34.62 | 8/21/2009 4:15:46 PM |
| GreenHill | $25.00 | $25.00 | 8/21/2009 4:18:39 PM |
| bradania | $25.00 | $25.00 | 8/21/2009 4:18:54 PM |
| Bearls | $46.67 | $46.67 | 8/21/2009 4:17:35 PM |
| BaltimoreLender | $25.00 | $25.00 | 8/21/2009 4:19:02 PM |
| AnxiousAirman | $32.38 | $32.38 | 8/21/2009 4:17:42 PM |
| rcr549 | $35.07 | $35.07 | 8/21/2009 4:19:32 PM |
| zxw | $37.71 | $37.71 | 8/21/2009 4:19:47 PM |
| 9boag | $25.00 | $25.00 | 8/21/2009 4:19:10 PM |
| treasure-generator | $25.00 | $25.00 | 8/21/2009 4:19:34 PM |
| fireupthegrill | $25.00 | $25.00 | 8/21/2009 4:19:48 PM |
| maga | $214.00 | $214.00 | 8/21/2009 6:21:57 PM |
| Castelj | $32.00 | $32.00 | 8/22/2009 5:42:34 AM |
| ultimatepaintball | $25.00 | $25.00 | 8/21/2009 8:20:51 PM |
| JerryB96 | $25.00 | $25.00 | 8/22/2009 8:12:57 AM |
| orgy63 | $50.00 | $50.00 | 8/22/2009 8:28:37 AM |
| bonFire8 | $25.00 | $25.00 | 8/21/2009 8:54:41 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/22/2009 12:46:01 AM |
| unfixer | $50.00 | $50.00 | 8/23/2009 6:48:25 PM |
| gothampark | $25.00 | $25.00 | 8/23/2009 9:59:57 PM |
| SkipMcGrath | $50.00 | $50.00 | 8/23/2009 9:47:18 PM |
| skurfa | $50.00 | $50.00 | 8/24/2009 9:12:41 AM |
| resource777 | $50.00 | $50.00 | 8/24/2009 8:13:35 AM |
| balance-chestnut | $25.00 | $25.00 | 8/24/2009 9:22:01 AM |
| labate | $25.00 | $25.00 | 8/24/2009 9:57:29 AM |
| 315 bids
|
Borrower Payment Dependent Notes Series
419832
This series of Notes was issued and sold upon the funding of the borrower loan #38358, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $21,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-10-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Aug-24-2009 |
|
|
Starting lender yield:
| 18.01% |
Starting borrower rate/APR:
| 19.01% / 21.23% |
Starting monthly payment:
| $769.88 |
|
Final lender yield:
| 15.00% |
Final borrower rate/APR:
| 16.00% / 18.18% |
Final monthly payment:
| $738.30 |
| |
|
Auction yield range:
| 3.23% - 18.01% |
Estimated loss impact:
| 1.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 6 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 860-880 (Jul-2009) |
Current / open credit lines:
| 15
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,691 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 7% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| green-fund-demon |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying equipments for the business
Purpose of loan:
This loan will be used to? buy of equipments used to produce fancify custom-made LED signs and lamps.
My financial situation:
I am a good candidate for this loan because?of my good credit history.Always pay on time and have no delinquencies.
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:
Hi,
Could you please tell us a little more about your business? When it started; what kind of businesses/people are your major customers; has it been growing; what kind of effect the downturn has had; etc.?
Thanks! - powersjq
A:
Thank you for your prompt reply.
Our business was started in Nov 2008. So far, our major customers are restaurants and bars. Also deal with kitchen ware suppliers, housing decoration contractors and advertising companies.
Our business has been gradually growing up although the downturn has impact to our customers. However, they are more serious on cost control now and help to bring more clients as they are eye catching and feeling great.
Thanks.
(Aug-18-2009)
Q:
what is the size of your business and how long has it been in existence? How is your revenue at this time of recession? - ptjg
A:
Thank you for your prompt reply. There are only 3 employee so far. Although it is a small manufacture, we all enjoy our job. It has been in existence for about 9 months.
Thanks.
(Aug-18-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| elated-justice | $25.00 | $25.00 | 8/10/2009 10:02:06 AM |
| OwlDaughter | $25.00 | $25.00 | 8/10/2009 10:03:17 AM |
| VentureAngel | $25.00 | $25.00 | 8/10/2009 10:03:32 AM |
| investorrr | $25.00 | $25.00 | 8/10/2009 10:05:27 AM |
| rate-mogul | $25.00 | $25.00 | 8/10/2009 10:07:56 AM |
| totoro | $25.00 | $25.00 | 8/10/2009 10:08:19 AM |
| DukSerduk | $25.00 | $25.00 | 8/10/2009 10:08:25 AM |
| abuyama22 | $25.00 | $25.00 | 8/10/2009 10:08:30 AM |
| Spring342 | $25.00 | $25.00 | 8/10/2009 10:08:55 AM |
| cyberie21 | $40.00 | $40.00 | 8/10/2009 10:08:43 AM |
| mathprof | $25.00 | $25.00 | 8/10/2009 10:08:52 AM |
| cash-sensai2 | $25.00 | $25.00 | 8/10/2009 10:09:18 AM |
| aasx1108 | $25.00 | $25.00 | 8/10/2009 10:03:28 AM |
| bchen78875 | $50.00 | $50.00 | 8/10/2009 10:10:08 AM |
| Artist_Blue | $25.00 | $25.00 | 8/10/2009 10:09:43 AM |
| kinetic-truth | $25.00 | $25.00 | 8/10/2009 10:05:48 AM |
| KHU2-B | $25.00 | $25.00 | 8/10/2009 10:07:42 AM |
| 888168 | $50.00 | $50.00 | 8/10/2009 10:08:36 AM |
| agab | $25.00 | $25.00 | 8/10/2009 10:12:57 AM |
| anton | $25.00 | $25.00 | 8/10/2009 4:33:14 PM |
| kingpin1 | $50.00 | $50.00 | 8/10/2009 6:55:21 PM |
| availableloan | $25.00 | $25.00 | 8/10/2009 4:32:57 PM |
| Guiren | $50.00 | $50.00 | 8/10/2009 11:30:20 PM |
| rwmacy | $50.00 | $50.00 | 8/11/2009 8:33:45 AM |
| don8ter | $60.00 | $60.00 | 8/11/2009 8:55:52 AM |
| Goodlender42 | $25.00 | $25.00 | 8/11/2009 12:05:48 PM |
| inforapenny | $25.00 | $25.00 | 8/11/2009 5:12:36 PM |
| tallcoolone | $25.00 | $25.00 | 8/11/2009 5:13:02 PM |
| brilliant-balance | $25.00 | $25.00 | 8/11/2009 10:28:15 PM |
| BorrowLend | $25.00 | $25.00 | 8/11/2009 6:50:08 PM |
| UESbank | $49.47 | $49.47 | 8/12/2009 8:05:44 AM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/12/2009 9:31:01 AM |
| transaction-animal8 | $25.00 | $25.00 | 8/12/2009 12:02:35 PM |
| sparky1129 | $25.00 | $25.00 | 8/12/2009 12:55:31 PM |
| pythia | $25.00 | $25.00 | 8/12/2009 4:08:21 PM |
| rjleves | $25.00 | $25.00 | 8/12/2009 3:01:36 PM |
| revenue-shepherd | $30.00 | $30.00 | 8/12/2009 7:53:23 PM |
| senior1 | $25.00 | $25.00 | 8/12/2009 6:16:37 PM |
| revenue-shepherd | $30.00 | $30.00 | 8/12/2009 7:53:48 PM |
| bondhedger | $25.00 | $25.00 | 8/13/2009 7:05:34 AM |
| Bank_Of_XL | $100.00 | $100.00 | 8/13/2009 8:42:28 AM |
| nevetsnosliw1 | $25.00 | $25.00 | 8/13/2009 7:52:52 AM |
| Moron_Buffet | $25.00 | $25.00 | 8/13/2009 10:05:54 AM |
| kjav | $75.00 | $75.00 | 8/13/2009 12:18:34 PM |
| market-assembler | $25.00 | $25.00 | 8/13/2009 1:25:35 PM |
| eureka117 | $35.09 | $35.09 | 8/13/2009 5:24:08 PM |
| julijask | $25.00 | $25.00 | 8/14/2009 6:42:43 AM |
| jct_enterprises | $25.00 | $25.00 | 8/14/2009 7:36:31 AM |
| Bobafet | $25.00 | $25.00 | 8/14/2009 1:05:42 PM |
| silverloan | $40.68 | $40.68 | 8/14/2009 2:15:42 PM |
| willingnjc | $25.00 | $25.00 | 8/14/2009 1:31:36 PM |
| lowestghost | $25.00 | $25.00 | 8/14/2009 4:46:11 PM |
| aesop | $25.00 | $25.00 | 8/15/2009 10:26:08 AM |
| mozzarella | $25.00 | $25.00 | 8/15/2009 10:22:52 PM |
| money-shaker | $25.00 | $25.00 | 8/15/2009 11:05:41 AM |
| lovetorun | $75.00 | $75.00 | 8/15/2009 1:54:05 PM |
| Patter256 | $25.00 | $25.00 | 8/17/2009 7:06:50 AM |
| cowboyskier | $50.00 | $50.00 | 8/17/2009 8:45:58 AM |
| sflender1099 | $25.00 | $25.00 | 8/17/2009 10:06:28 AM |
| truth-companion | $25.00 | $25.00 | 8/17/2009 10:31:52 AM |
| gilbow | $25.00 | $25.00 | 8/17/2009 10:38:39 AM |
| wampum-proton | $25.00 | $25.00 | 8/17/2009 10:32:59 AM |
| grf1945 | $25.00 | $25.00 | 8/17/2009 10:34:56 AM |
| woodenshoes | $39.11 | $39.11 | 8/17/2009 10:56:38 AM |
| rsd4444 | $25.00 | $25.00 | 8/17/2009 10:57:10 AM |
| loki_en | $25.00 | $25.00 | 8/17/2009 10:58:09 AM |
| kenji4861 | $40.66 | $40.66 | 8/17/2009 11:34:05 AM |
| bowdish1 | $41.30 | $41.30 | 8/17/2009 12:15:45 PM |
| Sam65 | $25.00 | $25.00 | 8/17/2009 12:31:53 PM |
| Ellisdee | $48.64 | $48.64 | 8/17/2009 1:20:46 PM |
| djs81 | $25.00 | $25.00 | 8/17/2009 3:16:47 PM |
| Natronpee | $25.00 | $25.00 | 8/17/2009 2:20:55 PM |
| dlshap | $25.00 | $25.00 | 8/17/2009 2:30:41 PM |
| OLYVRC | $25.00 | $25.00 | 8/17/2009 4:51:10 PM |
| YogaDude34 | $47.20 | $47.20 | 8/17/2009 7:01:15 PM |
| paddatjie | $25.00 | $25.00 | 8/17/2009 8:20:57 PM |
| mrzz | $25.00 | $25.00 | 8/17/2009 9:26:24 PM |
| fdsguy | $50.00 | $50.00 | 8/17/2009 11:06:31 PM |
| hope-eagle6 | $25.00 | $25.00 | 8/17/2009 11:08:20 PM |
| supe11 | $25.00 | $25.00 | 8/17/2009 11:10:11 PM |
| revthunder | $29.25 | $29.25 | 8/18/2009 7:25:36 AM |
| lm75 | $25.00 | $25.00 | 8/18/2009 9:27:29 AM |
| sisepuede | $25.00 | $25.00 | 8/18/2009 10:52:14 AM |
| JJS180 | $25.00 | $25.00 | 8/18/2009 3:59:24 PM |
| sardarji | $25.00 | $25.00 | 8/18/2009 4:13:54 PM |
| Zoomie | $25.00 | $25.00 | 8/18/2009 4:22:33 PM |
| mizount | $25.00 | $25.00 | 8/18/2009 4:21:38 PM |
| windfall46 | $25.00 | $25.00 | 8/18/2009 4:22:50 PM |
| rulender | $50.00 | $50.00 | 8/18/2009 4:23:57 PM |
| gain-dolphin | $50.00 | $50.00 | 8/18/2009 6:29:05 PM |
| the-financier814 | $25.00 | $25.00 | 8/18/2009 6:30:34 PM |
| eyal0 | $25.00 | $25.00 | 8/18/2009 7:00:39 PM |
| cool_kubera | $41.10 | $41.10 | 8/18/2009 8:21:23 PM |
| financelover | $25.00 | $25.00 | 8/18/2009 8:40:33 PM |
| mlender | $25.00 | $25.00 | 8/18/2009 10:15:39 PM |
| nolahelper | $50.00 | $50.00 | 8/19/2009 6:07:15 AM |
| CIC | $25.00 | $25.00 | 8/19/2009 6:38:14 AM |
| kanpur63 | $25.00 | $25.00 | 8/19/2009 7:30:22 AM |
| pbenjamin | $25.00 | $25.00 | 8/19/2009 7:32:26 AM |
| blot44 | $50.00 | $50.00 | 8/19/2009 7:25:34 AM |
| Shoeson | $25.00 | $25.00 | 8/19/2009 7:31:26 AM |
| token34 | $25.00 | $25.00 | 8/19/2009 8:40:13 AM |
| Elbanko | $25.00 | $25.00 | 8/19/2009 7:52:53 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:04 AM |
| Slimoro86 | $25.00 | $25.00 | 8/19/2009 11:19:22 AM |
| puifais | $25.00 | $25.00 | 8/19/2009 9:57:29 AM |
| Avid_Skier | $25.00 | $25.00 | 8/19/2009 9:57:34 AM |
| Sgt_D | $25.00 | $25.00 | 8/19/2009 10:05:22 AM |
| enigmallc | $50.00 | $50.00 | 8/19/2009 12:11:38 PM |
| Sixmil | $25.00 | $25.00 | 8/19/2009 10:52:34 AM |
| 9boag | $25.00 | $25.00 | 8/19/2009 12:36:57 PM |
| reueljw | $25.00 | $25.00 | 8/19/2009 11:31:03 AM |
| TheReaderRabbit | $25.00 | $25.00 | 8/19/2009 12:18:07 PM |
| cheng | $25.00 | $25.00 | 8/19/2009 12:43:04 PM |
| ejdirin | $27.32 | $27.32 | 8/19/2009 1:04:47 PM |
| eyewillfindu | $25.00 | $25.00 | 8/19/2009 3:40:00 PM |
| GreenHill | $25.00 | $25.00 | 8/19/2009 2:50:21 PM |
| brewlots | $50.00 | $50.00 | 8/19/2009 6:42:18 PM |
| Cherrypicker | $50.00 | $50.00 | 8/19/2009 4:43:01 PM |
| virtualbank | $25.00 | $25.00 | 8/19/2009 7:42:24 PM |
| newfoundation | $25.00 | $25.00 | 8/19/2009 6:22:38 PM |
| Residuum | $25.00 | $25.00 | 8/19/2009 7:58:11 PM |
| jonn834 | $50.00 | $50.00 | 8/19/2009 10:32:18 PM |
| TruckerGuy | $25.00 | $25.00 | 8/19/2009 7:27:43 PM |
| ROYFU | $69.00 | $69.00 | 8/19/2009 8:27:14 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:34 PM |
| BuffetRocks | $200.00 | $200.00 | 8/19/2009 11:01:47 PM |
| airon7 | $25.00 | $25.00 | 8/20/2009 9:33:01 AM |
| ADenny | $25.00 | $25.00 | 8/20/2009 11:42:22 AM |
| Gromac | $25.00 | $25.00 | 8/20/2009 10:27:39 AM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:15 AM |
| shopzone | $25.00 | $25.00 | 8/20/2009 3:07:17 PM |
| procat | $30.74 | $30.74 | 8/20/2009 12:45:46 PM |
| BoutYeBank | $25.00 | $25.00 | 8/20/2009 12:48:59 PM |
| tsui517 | $25.00 | $25.00 | 8/20/2009 1:02:29 PM |
| superchicken | $25.00 | $25.00 | 8/20/2009 1:24:14 PM |
| dumbass | $25.00 | $25.00 | 8/20/2009 2:07:20 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 3:50:58 PM |
| SpectrumCapital | $25.00 | $25.00 | 8/20/2009 4:02:58 PM |
| Skeptical-one | $150.00 | $150.00 | 8/20/2009 3:36:40 PM |
| Sigonio | $25.00 | $25.00 | 8/20/2009 3:37:42 PM |
| aajwm | $50.00 | $50.00 | 8/20/2009 3:52:24 PM |
| zhiguli | $37.02 | $37.02 | 8/20/2009 4:02:34 PM |
| Algaes | $25.00 | $25.00 | 8/20/2009 5:17:33 PM |
| Raetha | $25.00 | $25.00 | 8/20/2009 4:23:36 PM |
| USMC0311 | $25.00 | $25.00 | 8/20/2009 5:13:19 PM |
| money-vista | $25.00 | $25.00 | 8/20/2009 7:42:23 PM |
| Hambone1111 | $25.00 | $25.00 | 8/20/2009 7:12:46 PM |
| Captain88 | $25.00 | $25.00 | 8/21/2009 4:42:43 AM |
| Credit2Prosper | $49.25 | $49.25 | 8/21/2009 5:34:33 AM |
| BayShell | $40.00 | $40.00 | 8/21/2009 10:57:18 AM |
| slartibardfast | $30.00 | $30.00 | 8/21/2009 9:32:18 AM |
| Sitgarath | $25.00 | $25.00 | 8/21/2009 9:32:28 AM |
| flexiboy35 | $25.00 | $25.00 | 8/21/2009 11:44:02 AM |
| lostontheedge | $25.00 | $25.00 | 8/21/2009 9:34:06 AM |
| actl | $25.00 | $25.00 | 8/21/2009 9:50:30 AM |
| bocap | $25.00 | $25.00 | 8/21/2009 12:45:13 PM |
| lanlie | $436.85 | $436.85 | 8/21/2009 10:59:06 AM |
| ALL-PRIME | $25.00 | $25.00 | 8/21/2009 11:22:21 AM |
| GenerousGentleMan | $25.00 | $25.00 | 8/21/2009 11:33:40 AM |
| ILfarmboy | $29.37 | $29.37 | 8/21/2009 11:35:20 AM |
| Strato | $25.00 | $25.00 | 8/21/2009 11:35:08 AM |
| TheRiver08 | $25.00 | $25.00 | 8/21/2009 11:44:00 AM |
| jimbo29blue | $50.00 | $50.00 | 8/21/2009 12:19:49 PM |
| incbx | $25.54 | $25.54 | 8/21/2009 12:32:25 PM |
| don'twannadance | $50.00 | $50.00 | 8/21/2009 12:34:31 PM |
| tylerfd | $25.00 | $25.00 | 8/21/2009 1:13:06 PM |
| RoccoLoan | $100.00 | $100.00 | 8/21/2009 1:29:38 PM |
| a-harmonious-deal | $25.00 | $25.00 | 8/21/2009 1:13:11 PM |
| kaykarun | $33.54 | $33.54 | 8/21/2009 3:02:21 PM |
| meow8705 | $25.00 | $25.00 | 8/21/2009 4:14:05 PM |
| Digs | $25.00 | $25.00 | 8/21/2009 3:37:44 PM |
| andycheb | $25.00 | $25.00 | 8/21/2009 4:14:37 PM |
| the-silver-blaster | $25.00 | $25.00 | 8/21/2009 3:47:57 PM |
| ajk_blue | $25.00 | $25.00 | 8/21/2009 3:37:40 PM |
| sloak | $25.00 | $25.00 | 8/21/2009 3:47:58 PM |
| jpmusic | $25.00 | $25.00 | 8/21/2009 4:17:33 PM |
| peace-cadence | $25.00 | $25.00 | 8/21/2009 4:20:14 PM |
| TheBestDad | $25.00 | $25.00 | 8/21/2009 4:21:45 PM |
| Sumach | $25.00 | $25.00 | 8/21/2009 4:21:52 PM |
| MrDavid | $50.00 | $50.00 | 8/21/2009 4:23:08 PM |
| Masterful1 | $25.00 | $25.00 | 8/21/2009 4:23:33 PM |
| diverjoq | $50.00 | $50.00 | 8/21/2009 4:12:52 PM |
| RandomMonkey | $25.00 | $25.00 | 8/21/2009 4:24:46 PM |
| gravbox | $25.00 | $25.00 | 8/21/2009 4:14:02 PM |
| diverse2 | $50.00 | $50.00 | 8/21/2009 4:15:19 PM |
| TheColoradoDon | $25.00 | $25.00 | 8/21/2009 4:38:01 PM |
| Feyenoord | $25.00 | $25.00 | 8/21/2009 4:39:14 PM |
| Boxhead | $25.00 | $25.00 | 8/21/2009 4:40:41 PM |
| Trigirl23 | $25.00 | $25.00 | 8/21/2009 4:18:27 PM |
| bomdel | $25.00 | $25.00 | 8/21/2009 4:47:24 PM |
| bugleusmc | $30.00 | $30.00 | 8/21/2009 4:19:00 PM |
| naniamo | $25.00 | $25.00 | 8/21/2009 4:19:53 PM |
| square_panda | $25.00 | $25.00 | 8/21/2009 4:21:09 PM |
| YellowJacket | $25.00 | $25.00 | 8/21/2009 4:21:16 PM |
| Rogelio48 | $25.00 | $25.00 | 8/21/2009 4:21:27 PM |
| Independenttools | $25.00 | $25.00 | 8/21/2009 4:24:23 PM |
| serpentine | $50.00 | $50.00 | 8/21/2009 4:24:45 PM |
| jfd287 | $25.00 | $25.00 | 8/21/2009 6:22:21 PM |
| KBank | $25.00 | $25.00 | 8/21/2009 4:24:22 PM |
| demszi1978 | $31.00 | $31.00 | 8/21/2009 6:32:57 PM |
| iruz | $40.00 | $40.00 | 8/21/2009 4:32:59 PM |
| TH99 | $25.00 | $25.00 | 8/21/2009 4:39:09 PM |
| nevetsnosliw1 | $50.00 | $50.00 | 8/21/2009 8:53:41 PM |
| 52digital | $25.00 | $25.00 | 8/21/2009 5:47:31 PM |
| BlindProphet | $25.00 | $25.00 | 8/22/2009 12:47:16 AM |
| Ananya | $25.00 | $25.00 | 8/21/2009 6:11:34 PM |
| zeelender | $25.00 | $25.00 | 8/21/2009 6:22:24 PM |
| abidos | $25.00 | $25.00 | 8/21/2009 6:22:17 PM |
| BklynLender | $25.00 | $25.00 | 8/21/2009 6:32:14 PM |
| Circle_of_Life | $100.00 | $100.00 | 8/21/2009 8:27:17 PM |
| ultimatepaintball | $50.26 | $50.26 | 8/21/2009 8:22:28 PM |
| ManhattanLender | $25.00 | $25.00 | 8/22/2009 9:07:19 AM |
| crafty | $50.00 | $50.00 | 8/21/2009 10:53:40 PM |
| PPLIN810 | $50.00 | $50.00 | 8/22/2009 9:40:59 AM |
| twuck | $75.00 | $75.00 | 8/22/2009 10:49:52 AM |
| teega5 | $50.00 | $50.00 | 8/22/2009 2:57:24 PM |
| soccerchamp213 | $25.00 | $25.00 | 8/22/2009 8:17:17 AM |
| BigBoy2008 | $25.00 | $25.00 | 8/22/2009 4:43:23 PM |
| member874 | $25.00 | $25.00 | 8/22/2009 8:17:18 AM |
| Bluebanker | $50.00 | $50.00 | 8/22/2009 9:27:23 AM |
| neenerman | $25.00 | $25.00 | 8/22/2009 8:32:23 AM |
| EyeYoda | $25.00 | $25.00 | 8/22/2009 6:08:48 PM |
| boogaboogabooga | $25.00 | $25.00 | 8/22/2009 10:57:15 AM |
| Yankeeeagle | $25.00 | $25.00 | 8/22/2009 11:02:18 AM |
| mikeleib | $25.00 | $25.00 | 8/22/2009 10:42:55 PM |
| CaliforniaSun | $50.00 | $50.00 | 8/23/2009 12:22:37 AM |
| nis240sx | $25.00 | $25.00 | 8/22/2009 2:12:15 PM |
| allloans4me | $50.00 | $50.00 | 8/22/2009 2:12:20 PM |
| scott2004114 | $25.00 | $25.00 | 8/23/2009 6:46:31 AM |
| wise-silver-wonder | $25.00 | $25.00 | 8/23/2009 7:07:59 AM |
| trekkie3po | $25.00 | $25.00 | 8/22/2009 5:16:52 PM |
| northern_paddler | $25.00 | $25.00 | 8/22/2009 5:20:46 PM |
| Supp0rter | $50.00 | $50.00 | 8/23/2009 8:12:19 AM |
| RiskAdverse | $25.00 | $25.00 | 8/22/2009 8:55:07 PM |
| molomex | $25.00 | $25.00 | 8/22/2009 9:06:24 PM |
| buphigam | $25.00 | $25.00 | 8/23/2009 8:52:12 AM |
| jdtrip03 | $85.00 | $85.00 | 8/23/2009 5:28:48 PM |
| yenom | $25.00 | $25.00 | 8/23/2009 11:28:51 AM |
| Dave0 | $25.00 | $25.00 | 8/23/2009 8:47:16 PM |
| ALVO | $44.91 | $44.91 | 8/23/2009 11:29:40 AM |
| mlbox3k | $25.00 | $25.00 | 8/23/2009 9:38:07 PM |
| ivar | $25.00 | $25.00 | 8/23/2009 12:28:44 PM |
| jgar_O | $25.00 | $25.00 | 8/23/2009 12:02:20 PM |
| kulender | $50.00 | $50.00 | 8/23/2009 1:42:35 PM |
| wdjnm | $100.00 | $100.00 | 8/23/2009 3:07:39 PM |
| MBIntl | $25.00 | $25.00 | 8/23/2009 3:47:22 PM |
| colorfulgardener | $50.00 | $50.00 | 8/24/2009 6:23:23 AM |
| treasure-generator | $25.00 | $25.00 | 8/24/2009 6:58:01 AM |
| ScottFinance | $25.00 | $25.00 | 8/24/2009 7:51:55 AM |
| Ireland64 | $25.00 | $25.00 | 8/24/2009 8:17:24 AM |
| availableloan | $25.00 | $25.00 | 8/23/2009 9:15:43 PM |
| Octavian315 | $50.00 | $50.00 | 8/23/2009 9:52:43 PM |
| laststrawman | $25.00 | $25.00 | 8/23/2009 9:52:47 PM |
| Msbutterfly | $25.00 | $25.00 | 8/24/2009 9:17:35 AM |
| freedom3 | $1,000.00 | $1,000.00 | 8/24/2009 4:18:33 AM |
| RJN | $25.00 | $25.00 | 8/24/2009 9:33:59 AM |
| freestyle624 | $25.00 | $25.00 | 8/24/2009 5:45:32 AM |
| IM-SHARKY | $800.00 | $800.00 | 8/24/2009 9:53:07 AM |
| deepventures | $25.00 | $25.00 | 8/24/2009 9:57:26 AM |
| Marco83 | $50.00 | $50.00 | 8/24/2009 7:19:24 AM |
| SMOOTH2TRADE | $63.00 | $9.00 | 8/24/2009 7:23:11 AM |
| PotBellyPete | $25.00 | $25.00 | 8/24/2009 7:42:10 AM |
| Binan | $25.00 | $25.00 | 8/24/2009 8:17:20 AM |
| DrDavid63 | $25.00 | $25.00 | 8/24/2009 8:27:12 AM |
| hope-amigo | $25.00 | $25.00 | 8/24/2009 9:17:39 AM |
| LAKETIME | $50.00 | $50.00 | 8/24/2009 9:40:11 AM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 9:33:03 AM |
| oxnard | $25.00 | $25.00 | 8/24/2009 9:54:30 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/24/2009 9:55:50 AM |
| Hexnut | $45.87 | $45.87 | 8/24/2009 9:48:23 AM |
| lenderrb | $25.00 | $25.00 | 8/10/2009 10:04:13 AM |
| JKGseattle | $100.00 | $100.00 | 8/10/2009 10:04:19 AM |
| turbostar666 | $50.00 | $50.00 | 8/10/2009 10:04:42 AM |
| RSV | $25.00 | $25.00 | 8/10/2009 10:04:50 AM |
| LDFree | $25.00 | $25.00 | 8/10/2009 10:07:53 AM |
| CorporateT00l | $25.00 | $25.00 | 8/10/2009 10:08:00 AM |
| sas19 | $25.00 | $25.00 | 8/10/2009 10:08:06 AM |
| Sid-K | $50.00 | $50.00 | 8/10/2009 10:08:11 AM |
| Avala | $25.00 | $25.00 | 8/10/2009 10:08:15 AM |
| skuba | $50.00 | $50.00 | 8/10/2009 10:09:03 AM |
| causr08 | $25.00 | $25.00 | 8/10/2009 10:03:21 AM |
| AVS | $25.00 | $25.00 | 8/10/2009 10:03:58 AM |
| 108lender | $75.00 | $75.00 | 8/10/2009 10:04:27 AM |
| greeninspirit | $25.00 | $25.00 | 8/10/2009 10:04:46 AM |
| Borrow2Grow | $51.00 | $51.00 | 8/10/2009 10:05:56 AM |
| lagnisiruk | $25.00 | $25.00 | 8/10/2009 10:13:09 AM |
| DrStaff | $60.00 | $60.00 | 8/10/2009 10:14:56 AM |
| Kame | $25.00 | $25.00 | 8/10/2009 10:15:18 AM |
| greenback-floret | $25.00 | $25.00 | 8/10/2009 10:08:48 AM |
| Iwantahelp | $25.00 | $25.00 | 8/10/2009 10:09:06 AM |
| ClearLake | $25.00 | $25.00 | 8/10/2009 10:15:41 AM |
| TK4 | $25.00 | $25.00 | 8/10/2009 10:13:04 AM |
| vegibenz | $25.00 | $25.00 | 8/10/2009 11:14:38 AM |
| imlosttoo | $25.66 | $25.66 | 8/10/2009 4:31:29 PM |
| M_V | $62.29 | $62.29 | 8/10/2009 4:33:13 PM |
| fortytwo | $26.91 | $26.91 | 8/10/2009 6:05:34 PM |
| ExcellentGreen | $25.00 | $25.00 | 8/10/2009 4:34:00 PM |
| shanedog | $25.00 | $25.00 | 8/10/2009 4:34:07 PM |
| lend4life13 | $221.15 | $221.15 | 8/11/2009 6:49:45 AM |
| treeline | $37.97 | $37.97 | 8/11/2009 2:10:10 PM |
| boatplug | $50.00 | $50.00 | 8/11/2009 12:59:51 PM |
| whitegold24k | $32.07 | $32.07 | 8/11/2009 2:20:10 PM |
| BankOfShaun | $25.00 | $25.00 | 8/11/2009 4:31:45 PM |
| thedoctor | $25.00 | $25.00 | 8/11/2009 6:31:12 PM |
| ptjg | $50.00 | $50.00 | 8/11/2009 6:35:28 PM |
| 16888 | $50.00 | $50.00 | 8/11/2009 7:42:02 PM |
| axelducheck | $25.00 | $25.00 | 8/12/2009 3:50:21 PM |
| phaded | $25.00 | $25.00 | 8/12/2009 3:01:59 PM |
| REBizGuy | $50.00 | $50.00 | 8/12/2009 6:50:11 PM |
| tornandfrayed | $25.00 | $25.00 | 8/12/2009 6:58:23 PM |
| Imaginos1892 | $250.00 | $250.00 | 8/12/2009 9:54:56 PM |
| hotwired | $25.00 | $25.00 | 8/13/2009 3:20:22 AM |
| income-excellence1 | $25.00 | $25.00 | 8/13/2009 7:56:25 AM |
| Syzygy | $25.00 | $25.00 | 8/13/2009 2:01:40 PM |
| r1g3l | $25.00 | $25.00 | 8/13/2009 2:40:41 PM |
| MonkeyPet | $25.00 | $25.00 | 8/13/2009 11:51:21 PM |
| powersjq | $25.00 | $25.00 | 8/14/2009 9:21:16 AM |
| MidnightBank | $25.00 | $25.00 | 8/14/2009 9:36:17 AM |
| buckyhead2000 | $25.00 | $25.00 | 8/14/2009 10:37:40 AM |
| honorable-yield | $50.00 | $50.00 | 8/14/2009 11:00:15 AM |
| kenyonhillbilly | $50.00 | $50.00 | 8/14/2009 2:46:38 PM |
| Guerrilla_Man | $25.00 | $25.00 | 8/15/2009 10:30:53 AM |
| outofoffice | $25.00 | $25.00 | 8/16/2009 8:05:13 AM |
| TJ-Financial-Group | $44.70 | $44.70 | 8/16/2009 4:51:21 PM |
| GoodScot | $25.00 | $25.00 | 8/16/2009 8:05:40 PM |
| seasportsguy | $25.00 | $25.00 | 8/16/2009 10:01:49 PM |
| inforapenny | $25.00 | $25.00 | 8/16/2009 8:05:33 PM |
| IndianChief | $25.00 | $25.00 | 8/17/2009 10:32:49 AM |
| DeltaComputerGuy | $25.00 | $25.00 | 8/17/2009 10:31:55 AM |
| head | $25.00 | $25.00 | 8/17/2009 10:35:08 AM |
| here2lend | $25.00 | $25.00 | 8/17/2009 10:37:29 AM |
| krishopper | $25.00 | $25.00 | 8/17/2009 10:57:31 AM |
| CallMeBen | $25.00 | $25.00 | 8/17/2009 10:58:29 AM |
| ramsbladder | $25.00 | $25.00 | 8/17/2009 10:59:24 AM |
| OldestBrother | $50.00 | $50.00 | 8/17/2009 10:57:52 AM |
| albatross897 | $25.00 | $25.00 | 8/17/2009 11:34:11 AM |
| internetpreneur | $25.00 | $25.00 | 8/17/2009 12:06:05 PM |
| wormdc | $25.00 | $25.00 | 8/17/2009 11:41:23 AM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/17/2009 12:00:43 PM |
| sshgfwb | $25.00 | $25.00 | 8/17/2009 1:52:08 PM |
| sharp-credit | $50.00 | $50.00 | 8/17/2009 2:31:48 PM |
| Faura | $25.00 | $25.00 | 8/17/2009 4:45:37 PM |
| d3global | $25.00 | $25.00 | 8/17/2009 6:32:07 PM |
| Jassi | $50.00 | $50.00 | 8/17/2009 11:00:50 PM |
| kyomoon | $100.00 | $100.00 | 8/17/2009 11:08:22 PM |
| curious166 | $32.01 | $32.01 | 8/18/2009 7:05:33 AM |
| seattleite36 | $25.00 | $25.00 | 8/18/2009 10:25:42 AM |
| CashProvider | $74.03 | $74.03 | 8/18/2009 10:25:48 AM |
| beakerfish | $25.00 | $25.00 | 8/18/2009 12:05:36 PM |
| GALMUL | $25.00 | $25.00 | 8/18/2009 1:19:17 PM |
| brstern2 | $25.00 | $25.00 | 8/18/2009 3:59:29 PM |
| red-sublime-return | $25.00 | $25.00 | 8/18/2009 4:20:40 PM |
| keyfig | $25.00 | $25.00 | 8/18/2009 4:21:35 PM |
| Veloce | $25.00 | $25.00 | 8/18/2009 4:21:46 PM |
| fotep-financial | $25.00 | $25.00 | 8/18/2009 4:24:09 PM |
| Theboof | $25.00 | $25.00 | 8/18/2009 4:24:13 PM |
| AnxiousAirman | $50.00 | $50.00 | 8/18/2009 4:25:10 PM |
| htargett | $25.00 | $25.00 | 8/18/2009 4:24:18 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:35:56 PM |
| GElender | $50.00 | $50.00 | 8/18/2009 7:00:45 PM |
| bejfishing | $25.00 | $25.00 | 8/18/2009 6:54:24 PM |
| wamozart | $25.00 | $25.00 | 8/18/2009 8:21:13 PM |
| majormoves1 | $25.00 | $25.00 | 8/18/2009 8:21:25 PM |
| atlgator | $25.00 | $25.00 | 8/18/2009 8:21:05 PM |
| the-owner | $25.00 | $25.00 | 8/18/2009 10:20:45 PM |
| dogen | $25.00 | $25.00 | 8/19/2009 7:31:18 AM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:47:21 AM |
| heather26 | $25.00 | $25.00 | 8/19/2009 8:03:40 AM |
| AndersenWatcher | $25.00 | $25.00 | 8/19/2009 8:17:36 AM |
| wack-a-mole | $100.00 | $100.00 | 8/19/2009 8:17:09 AM |
| ronkr | $50.00 | $50.00 | 8/19/2009 8:17:44 AM |
| fiscal65 | $25.00 | $25.00 | 8/19/2009 9:23:00 AM |
| Halos2002 | $50.00 | $50.00 | 8/19/2009 9:27:35 AM |
| rmsyvt | $25.00 | $25.00 | 8/19/2009 9:28:23 AM |
| ZerightGifts | $200.00 | $200.00 | 8/19/2009 9:54:16 AM |
| kawakami | $25.00 | $25.00 | 8/19/2009 9:56:06 AM |
| Patrician | $25.00 | $25.00 | 8/19/2009 10:07:25 AM |
| Rule62 | $25.00 | $25.00 | 8/19/2009 11:56:20 AM |
| director877 | $25.00 | $25.00 | 8/19/2009 1:30:34 PM |
| mmqc | $25.00 | $25.00 | 8/19/2009 11:56:23 AM |
| regahj99 | $25.00 | $25.00 | 8/19/2009 12:18:01 PM |
| CarlC | $25.00 | $25.00 | 8/19/2009 12:18:05 PM |
| microeconomicwizadry | $25.00 | $25.00 | 8/19/2009 12:18:08 PM |
| leverage-thunder | $25.00 | $25.00 | 8/19/2009 2:02:42 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/19/2009 2:12:33 PM |
| Wart126 | $25.00 | $25.00 | 8/19/2009 1:30:53 PM |
| Warbler | $25.00 | $25.00 | 8/19/2009 1:32:51 PM |
| liberty-equilibrium | $90.00 | $90.00 | 8/19/2009 1:54:16 PM |
| conceptpi | $25.00 | $25.00 | 8/19/2009 3:25:08 PM |
| getreadyloans | $50.00 | $50.00 | 8/19/2009 4:11:37 PM |
| dave200204 | $50.00 | $50.00 | 8/19/2009 8:15:56 PM |
| szetheli | $48.71 | $48.71 | 8/19/2009 6:22:34 PM |
| Tootsolrac | $25.00 | $25.00 | 8/20/2009 3:57:15 AM |
| jldallover | $25.00 | $25.00 | 8/19/2009 9:33:01 PM |
| BoughtTheFarm | $25.00 | $25.00 | 8/19/2009 9:03:27 PM |
| investment-builder0 | $50.00 | $50.00 | 8/19/2009 10:27:22 PM |
| Credit2Prosper | $50.00 | $50.00 | 8/19/2009 10:32:19 PM |
| uvumf | $58.35 | $58.35 | 8/20/2009 7:57:53 AM |
| kmwvma | $25.00 | $25.00 | 8/20/2009 1:50:05 AM |
| Gorblum | $25.00 | $25.00 | 8/20/2009 5:23:50 AM |
| decisive-capital | $49.46 | $49.46 | 8/20/2009 6:47:43 AM |
| porter22 | $75.00 | $75.00 | 8/20/2009 9:12:08 AM |
| Gromac | $25.00 | $25.00 | 8/20/2009 10:18:57 AM |
| SafeSaxa | $25.00 | $25.00 | 8/20/2009 10:27:32 AM |
| gogmagog | $50.00 | $50.00 | 8/20/2009 11:13:12 AM |
| pay-it-forward1010 | $25.00 | $25.00 | 8/20/2009 1:57:22 PM |
| raxbab | $75.00 | $75.00 | 8/20/2009 2:27:34 PM |
| bigdogsafety1 | $25.00 | $25.00 | 8/20/2009 2:52:43 PM |
| leneker | $25.00 | $25.00 | 8/20/2009 12:20:14 PM |
| help_each_other | $25.00 | $25.00 | 8/20/2009 12:59:41 PM |
| mchale | $50.00 | $50.00 | 8/20/2009 1:27:23 PM |
| jktravl | $25.00 | $25.00 | 8/20/2009 3:24:39 PM |
| Kerensky | $32.62 | $32.62 | 8/20/2009 3:22:18 PM |
| Jumpstartnight | $25.00 | $25.00 | 8/20/2009 3:44:18 PM |
| kayden | $25.00 | $25.00 | 8/20/2009 3:37:19 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 8/20/2009 5:47:39 PM |
| Okeey | $25.00 | $25.00 | 8/20/2009 5:17:31 PM |
| NATIVEBORN | $26.57 | $26.57 | 8/20/2009 5:37:27 PM |
| Blue_HorseShoe | $50.00 | $50.00 | 8/20/2009 7:12:31 PM |
| mckhbnpc | $25.00 | $25.00 | 8/20/2009 7:19:44 PM |
| Jiangtao | $25.00 | $25.00 | 8/20/2009 7:35:46 PM |
| NickABusey | $25.00 | $25.00 | 8/21/2009 9:36:18 AM |
| McChan | $200.00 | $200.00 | 8/21/2009 9:43:40 AM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:15 AM |
| tolstoy00 | $25.00 | $25.00 | 8/21/2009 11:07:30 AM |
| FecundFinancier | $25.00 | $25.00 | 8/21/2009 11:34:45 AM |
| smartie1 | $25.00 | $25.00 | 8/21/2009 11:35:15 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:32:45 AM |
| Cleon | $25.00 | $25.00 | 8/21/2009 9:34:03 AM |
| Railbird | $25.00 | $25.00 | 8/21/2009 9:34:16 AM |
| faldska | $25.00 | $25.00 | 8/21/2009 10:50:05 AM |
| mystss | $80.00 | $80.00 | 8/21/2009 10:55:33 AM |
| RoccoLoan | $100.00 | $100.00 | 8/21/2009 1:30:16 PM |
| lendme2 | $100.00 | $100.00 | 8/21/2009 11:20:28 AM |
| beaker | $25.00 | $25.00 | 8/21/2009 11:22:16 AM |
| kayakg | $25.00 | $25.00 | 8/21/2009 11:36:37 AM |
| klin | $25.00 | $25.00 | 8/21/2009 11:43:57 AM |
| happyface | $50.00 | $50.00 | 8/21/2009 12:26:41 PM |
| RoyFauntleroy | $25.00 | $25.00 | 8/21/2009 1:13:09 PM |
| unclejaef | $25.00 | $25.00 | 8/21/2009 1:13:13 PM |
| iceberg982362 | $98.43 | $98.43 | 8/21/2009 2:59:01 PM |
| kanewna | $50.00 | $50.00 | 8/21/2009 4:13:46 PM |
| Castellan | $25.00 | $25.00 | 8/21/2009 4:14:01 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 8/21/2009 3:47:54 PM |
| greenwell | $43.07 | $43.07 | 8/21/2009 3:37:33 PM |
| minista | $25.00 | $25.00 | 8/21/2009 3:38:41 PM |
| sh71 | $25.00 | $25.00 | 8/21/2009 4:19:13 PM |
| Norcal | $25.00 | $25.00 | 8/21/2009 4:20:07 PM |
| juiceman818 | $25.00 | $25.00 | 8/21/2009 4:02:58 PM |
| authentic-deal8 | $25.00 | $25.00 | 8/21/2009 4:21:07 PM |
| wowlender | $25.00 | $25.00 | 8/21/2009 4:22:07 PM |
| StWaldo | $25.00 | $25.00 | 8/21/2009 4:13:10 PM |
| lucky6 | $25.00 | $25.00 | 8/21/2009 4:24:45 PM |
| giannyny | $25.00 | $25.00 | 8/21/2009 4:14:30 PM |
| Vacs4u | $25.00 | $25.00 | 8/21/2009 4:14:39 PM |
| geekguy | $25.00 | $25.00 | 8/21/2009 4:17:39 PM |
| NJNY | $25.00 | $25.00 | 8/21/2009 4:19:41 PM |
| Bladewil | $25.00 | $25.00 | 8/21/2009 4:18:59 PM |
| cyonamine | $25.00 | $25.00 | 8/21/2009 4:20:32 PM |
| KeepOnRunning | $50.00 | $50.00 | 8/21/2009 4:19:33 PM |
| ChicoBob | $50.00 | $50.00 | 8/21/2009 4:21:18 PM |
| leeball | $70.38 | $70.38 | 8/21/2009 4:21:44 PM |
| cingular | $25.00 | $25.00 | 8/21/2009 4:21:34 PM |
| pakrbkr | $25.00 | $25.00 | 8/21/2009 6:22:17 PM |
| kindofaloaner | $25.00 | $25.00 | 8/21/2009 6:22:25 PM |
| tdtacke13 | $25.00 | $25.00 | 8/21/2009 6:43:02 PM |
| NoVALending | $25.00 | $25.00 | 8/21/2009 7:57:15 PM |
| eyal0 | $28.22 | $28.22 | 8/21/2009 4:39:03 PM |
| Anamorph | $25.00 | $25.00 | 8/21/2009 5:06:52 PM |
| atlviet | $25.00 | $25.00 | 8/21/2009 6:22:15 PM |
| wjf60 | $28.44 | $28.44 | 8/21/2009 6:22:19 PM |
| cardelt | $25.00 | $25.00 | 8/22/2009 2:39:46 AM |
| leftcoast52 | $25.00 | $25.00 | 8/21/2009 6:22:23 PM |
| commshot | $25.00 | $25.00 | 8/22/2009 3:17:18 AM |
| kamegami | $50.00 | $50.00 | 8/21/2009 7:11:58 PM |
| lawyervon | $25.00 | $25.00 | 8/21/2009 7:33:00 PM |
| elasermd | $50.00 | $50.00 | 8/21/2009 7:27:22 PM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 8/21/2009 8:32:30 PM |
| Gold_Coin | $25.00 | $25.00 | 8/22/2009 8:37:22 AM |
| value-human | $50.00 | $50.00 | 8/21/2009 10:42:38 PM |
| spc91x | $25.00 | $25.00 | 8/21/2009 10:51:06 PM |
| psbruce | $35.08 | $35.08 | 8/22/2009 9:38:36 AM |
| gilbrear | $25.00 | $25.00 | 8/22/2009 3:05:28 AM |
| fwaguy | $25.00 | $25.00 | 8/22/2009 5:57:12 AM |
| skeeter75 | $100.00 | $100.00 | 8/22/2009 3:21:22 PM |
| ouiemyster06 | $29.96 | $29.96 | 8/22/2009 8:32:22 AM |
| mpatrick | $100.00 | $100.00 | 8/22/2009 5:43:17 PM |
| DJSweetChrisBell | $114.53 | $114.53 | 8/22/2009 10:40:26 AM |
| Mattfromotm | $30.00 | $30.00 | 8/22/2009 11:07:17 PM |
| ProfPC | $25.00 | $25.00 | 8/22/2009 12:13:11 PM |
| Hamachi | $50.00 | $50.00 | 8/23/2009 2:05:50 AM |
| Palmetto | $50.00 | $50.00 | 8/23/2009 3:18:07 AM |
| fostaman | $25.00 | $25.00 | 8/22/2009 3:37:18 PM |
| libertas67 | $50.00 | $50.00 | 8/23/2009 7:40:37 AM |
| buckeyeatheart | $41.00 | $41.00 | 8/23/2009 9:13:57 AM |
| VTGunz | $50.00 | $50.00 | 8/22/2009 7:36:46 PM |
| pbandjb | $25.00 | $25.00 | 8/22/2009 10:52:13 PM |
| evergreen16 | $40.00 | $40.00 | 8/22/2009 11:46:33 PM |
| outwish | $25.00 | $25.00 | 8/23/2009 11:32:17 AM |
| jscope | $25.00 | $25.00 | 8/23/2009 1:37:21 PM |
| Kash2010lu | $25.00 | $25.00 | 8/23/2009 9:25:02 AM |
| mjcjmm4407 | $25.00 | $25.00 | 8/23/2009 6:52:13 PM |
| grammaspurse | $43.00 | $43.00 | 8/23/2009 11:29:36 AM |
| gdbanks | $25.00 | $25.00 | 8/23/2009 11:29:46 AM |
| AJSinvest | $25.00 | $25.00 | 8/23/2009 9:38:05 PM |
| K2Outlaws | $25.00 | $25.00 | 8/23/2009 1:37:19 PM |
| jeff318 | $25.00 | $25.00 | 8/24/2009 3:52:57 AM |
| leemic | $25.00 | $25.00 | 8/24/2009 4:42:15 AM |
| chrisjs15 | $25.00 | $25.00 | 8/24/2009 5:41:10 AM |
| longisland47m | $25.00 | $25.00 | 8/23/2009 5:16:21 PM |
| JerryB96 | $25.00 | $25.00 | 8/23/2009 6:41:16 PM |
| orgy63 | $100.00 | $100.00 | 8/24/2009 7:10:17 AM |
| suburbanman64 | $50.00 | $50.00 | 8/23/2009 5:47:14 PM |
| Tagliaferro | $25.00 | $25.00 | 8/23/2009 9:43:20 PM |
| gothampark | $50.00 | $50.00 | 8/23/2009 10:02:08 PM |
| BigCityLending | $25.00 | $25.00 | 8/23/2009 8:47:18 PM |
| GS-ROCK | $100.00 | $100.00 | 8/23/2009 9:32:58 PM |
| SKAGIT22 | $25.00 | $25.00 | 8/24/2009 9:12:12 AM |
| MT1130 | $25.00 | $25.00 | 8/24/2009 9:17:32 AM |
| Djsandiego | $50.00 | $50.00 | 8/23/2009 10:39:24 PM |
| jasbra | $25.00 | $25.00 | 8/24/2009 6:22:19 AM |
| KiwiElf | $50.00 | $50.00 | 8/24/2009 9:57:17 AM |
| umfan123 | $27.22 | $27.22 | 8/24/2009 6:53:31 AM |
| SpotLending | $50.00 | $50.00 | 8/24/2009 7:10:52 AM |
| csarradio | $25.00 | $25.00 | 8/24/2009 8:27:25 AM |
| Cherrypicker06 | $25.00 | $25.00 | 8/24/2009 9:37:26 AM |
| think-become | $25.00 | $25.00 | 8/24/2009 9:36:01 AM |
| cny_loans | $25.00 | $25.00 | 8/24/2009 9:57:28 AM |
| 529 bids
|
Borrower Payment Dependent Notes Series
419854
This series of Notes was issued and sold upon the funding of the borrower loan #38349, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-10-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-24-2009 |
|
|
Starting lender yield:
| 11.38% |
Starting borrower rate/APR:
| 12.38% / 14.52% |
Starting monthly payment:
| $200.38 |
|
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $194.59 |
| |
|
Auction yield range:
| 4.23% - 11.38% |
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:
| Oct-1988 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 760-780 (Aug-2009) |
Current / open credit lines:
| 20
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 34 | Length of status: | 14y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $13,579 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 44% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| banker608 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $4,250.00 | < mo. late:
| 0
( 0% )
| 760-780
(Sep-2008)
|
|
Principal balance:
| $3,178.45 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Debt Consolidation - 4 Accounts
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| elated-justice | $25.00 | $25.00 | 8/10/2009 10:02:08 AM |
| Sid-K | $50.00 | $50.00 | 8/10/2009 10:08:12 AM |
| abuyama22 | $25.00 | $25.00 | 8/10/2009 10:08:31 AM |
| DukSerduk | $25.00 | $25.00 | 8/10/2009 10:08:25 AM |
| cyberie21 | $40.00 | $40.00 | 8/10/2009 10:08:44 AM |
| Artist_Blue | $25.00 | $25.00 | 8/10/2009 10:09:44 AM |
| lagnisiruk | $25.00 | $25.00 | 8/10/2009 10:13:10 AM |
| totoro | $25.00 | $25.00 | 8/10/2009 10:08:20 AM |
| mathprof | $25.00 | $25.00 | 8/10/2009 10:08:53 AM |
| bchen78875 | $50.00 | $50.00 | 8/10/2009 10:10:10 AM |
| DrStaff | $60.00 | $60.00 | 8/10/2009 4:33:15 PM |
| dudebrah | $25.00 | $25.00 | 8/10/2009 4:32:58 PM |
| tallcoolone | $25.00 | $25.00 | 8/11/2009 7:56:11 PM |
| Goodlender42 | $25.00 | $25.00 | 8/12/2009 12:16:18 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/12/2009 9:31:02 AM |
| Syzygy | $25.00 | $25.00 | 8/12/2009 6:17:12 PM |
| income-excellence1 | $25.00 | $25.00 | 8/13/2009 7:56:26 AM |
| Moron_Buffet | $25.00 | $25.00 | 8/13/2009 10:05:55 AM |
| rjleves | $25.00 | $25.00 | 8/13/2009 2:07:11 PM |
| market-assembler | $25.00 | $25.00 | 8/13/2009 1:25:37 PM |
| honorable-yield | $50.00 | $50.00 | 8/14/2009 11:00:17 AM |
| lowestghost | $25.00 | $25.00 | 8/14/2009 4:46:13 PM |
| money-shaker | $25.00 | $25.00 | 8/15/2009 11:05:42 AM |
| treeline | $35.10 | $35.10 | 8/16/2009 9:10:34 PM |
| Patter256 | $25.00 | $25.00 | 8/17/2009 7:06:51 AM |
| vegibenz | $25.00 | $25.00 | 8/17/2009 10:20:09 AM |
| truth-companion | $25.00 | $25.00 | 8/17/2009 10:31:53 AM |
| gilbow | $25.00 | $25.00 | 8/17/2009 10:38:41 AM |
| cowboyskier | $50.00 | $50.00 | 8/17/2009 10:38:52 AM |
| krishopper | $25.00 | $25.00 | 8/17/2009 11:26:08 AM |
| grf1945 | $25.00 | $25.00 | 8/17/2009 11:24:47 AM |
| woodenshoes | $51.20 | $51.20 | 8/17/2009 11:25:36 AM |
| dlshap | $25.00 | $25.00 | 8/17/2009 2:30:42 PM |
| ekmendenhall | $25.00 | $25.00 | 8/17/2009 7:46:34 PM |
| paddatjie | $25.00 | $25.00 | 8/17/2009 8:20:57 PM |
| bowdish1 | $50.00 | $50.00 | 8/17/2009 10:59:28 PM |
| wampum-proton | $25.00 | $25.00 | 8/17/2009 11:06:30 PM |
| IndianChief | $25.00 | $25.00 | 8/17/2009 11:06:30 PM |
| djs81 | $25.00 | $25.00 | 8/17/2009 11:08:56 PM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:32:21 AM |
| fdsguy | $50.00 | $50.00 | 8/18/2009 12:25:39 PM |
| Jassi | $45.32 | $45.32 | 8/18/2009 3:11:14 PM |
| sisepuede | $25.00 | $25.00 | 8/18/2009 4:23:12 PM |
| rdrloan | $25.00 | $25.00 | 8/18/2009 7:10:36 PM |
| keyfig | $25.00 | $25.00 | 8/19/2009 6:32:48 AM |
| mizount | $25.00 | $25.00 | 8/19/2009 6:49:30 AM |
| fotep-financial | $25.00 | $25.00 | 8/19/2009 7:52:55 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:05 AM |
| rmsyvt | $25.00 | $25.00 | 8/19/2009 9:28:25 AM |
| Theboof | $25.00 | $25.00 | 8/19/2009 9:27:26 AM |
| Warbler | $25.00 | $25.00 | 8/19/2009 1:32:52 PM |
| brstern2 | $25.00 | $25.00 | 8/19/2009 12:42:21 PM |
| Wart126 | $25.00 | $25.00 | 8/19/2009 1:30:55 PM |
| eyal0 | $25.00 | $25.00 | 8/19/2009 3:25:30 PM |
| eyewillfindu | $25.00 | $25.00 | 8/19/2009 3:40:01 PM |
| GElender | $43.65 | $43.65 | 8/19/2009 6:27:17 PM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/19/2009 9:22:23 PM |
| investment-builder0 | $50.00 | $50.00 | 8/19/2009 10:27:23 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:34 PM |
| QsDad | $30.00 | $30.00 | 8/19/2009 10:59:05 PM |
| cheng | $25.00 | $25.00 | 8/20/2009 12:17:23 AM |
| szetheli | $50.00 | $50.00 | 8/20/2009 9:33:26 AM |
| DandW | $25.00 | $25.00 | 8/20/2009 5:44:49 AM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:16 AM |
| AndersenWatcher | $25.00 | $25.00 | 8/20/2009 11:28:12 AM |
| leneker | $25.00 | $25.00 | 8/20/2009 12:20:15 PM |
| jetblack | $50.00 | $50.00 | 8/20/2009 3:50:40 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 3:50:59 PM |
| aajwm | $27.66 | $27.66 | 8/20/2009 3:52:25 PM |
| jwood3030 | $25.00 | $25.00 | 8/20/2009 8:47:38 PM |
| wormdc | $25.00 | $25.00 | 8/20/2009 9:37:17 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 8/20/2009 5:47:40 PM |
| Gorblum | $25.00 | $25.00 | 8/20/2009 5:52:35 PM |
| dumbass | $25.00 | $25.00 | 8/20/2009 5:42:52 PM |
| Patrician | $25.00 | $25.00 | 8/20/2009 6:42:23 PM |
| puifais | $25.00 | $25.00 | 8/20/2009 6:42:20 PM |
| money-vista | $25.00 | $25.00 | 8/20/2009 7:42:24 PM |
| faldska | $25.00 | $25.00 | 8/21/2009 10:50:07 AM |
| Kerensky | $25.00 | $25.00 | 8/21/2009 11:35:24 AM |
| slartibardfast | $30.00 | $30.00 | 8/21/2009 9:32:19 AM |
| McChan | $50.00 | $50.00 | 8/21/2009 11:54:43 AM |
| atlgator | $25.00 | $25.00 | 8/21/2009 9:52:14 AM |
| Railbird | $25.00 | $25.00 | 8/21/2009 9:34:17 AM |
| BoutYeBank | $25.00 | $25.00 | 8/21/2009 11:44:03 AM |
| tsui517 | $25.00 | $25.00 | 8/21/2009 12:13:13 PM |
| incbx | $46.08 | $44.17 | 8/21/2009 12:48:01 PM |
| lindssc1 | $25.00 | $25.00 | 8/21/2009 5:45:19 PM |
| wealthydc | $34.00 | $34.00 | 8/21/2009 4:53:03 PM |
| Kash2010lu | $25.00 | $25.00 | 8/23/2009 9:30:02 AM |
| Sarspatula | $25.00 | $25.00 | 8/23/2009 11:27:39 AM |
| trekkie3po | $25.00 | $25.00 | 8/23/2009 1:12:39 PM |
| kulender | $50.00 | $50.00 | 8/23/2009 1:43:34 PM |
| Ristefo | $25.00 | $25.00 | 8/23/2009 3:27:39 PM |
| ErikB | $25.00 | $25.00 | 8/23/2009 6:19:18 PM |
| division177 | $25.00 | $25.00 | 8/24/2009 9:54:05 AM |
| golffish2 | $50.00 | $50.00 | 8/24/2009 9:10:52 AM |
| sas19 | $25.00 | $25.00 | 8/10/2009 10:08:07 AM |
| 888168 | $50.00 | $50.00 | 8/10/2009 10:08:37 AM |
| skuba | $50.00 | $50.00 | 8/10/2009 10:09:03 AM |
| Avala | $25.00 | $25.00 | 8/10/2009 10:08:16 AM |
| cash-sensai2 | $25.00 | $25.00 | 8/10/2009 10:09:19 AM |
| TK4 | $25.00 | $25.00 | 8/10/2009 10:13:04 AM |
| ClearLake | $25.00 | $25.00 | 8/10/2009 10:15:41 AM |
| qkinger | $50.00 | $50.00 | 8/10/2009 11:00:30 AM |
| shanedog | $25.00 | $25.00 | 8/10/2009 4:40:33 PM |
| fortytwo | $25.00 | $25.00 | 8/10/2009 9:50:11 PM |
| don8ter | $60.00 | $60.00 | 8/11/2009 8:55:52 AM |
| anton | $25.00 | $25.00 | 8/11/2009 2:40:33 PM |
| thedoctor | $25.00 | $25.00 | 8/11/2009 6:31:13 PM |
| sparky1129 | $25.00 | $25.00 | 8/12/2009 12:55:32 PM |
| jct_enterprises | $25.00 | $25.00 | 8/14/2009 7:36:34 AM |
| buckyhead2000 | $25.00 | $25.00 | 8/14/2009 10:37:41 AM |
| kenyonhillbilly | $50.00 | $50.00 | 8/14/2009 2:46:38 PM |
| Guerrilla_Man | $25.00 | $25.00 | 8/15/2009 10:30:53 AM |
| aesop | $25.00 | $25.00 | 8/15/2009 10:26:08 AM |
| willingnjc | $25.00 | $25.00 | 8/16/2009 9:31:34 AM |
| seasportsguy | $25.00 | $25.00 | 8/16/2009 10:01:50 PM |
| MonkeyPet | $25.00 | $25.00 | 8/17/2009 10:32:31 AM |
| Sam65 | $25.00 | $25.00 | 8/17/2009 12:31:54 PM |
| kenji4861 | $33.26 | $33.26 | 8/17/2009 1:30:32 PM |
| d3global | $25.00 | $25.00 | 8/17/2009 6:32:08 PM |
| OLYVRC | $25.00 | $25.00 | 8/17/2009 11:00:34 PM |
| supe11 | $25.00 | $25.00 | 8/17/2009 11:10:11 PM |
| Natronpee | $25.00 | $25.00 | 8/17/2009 11:10:04 PM |
| seattleite36 | $25.00 | $25.00 | 8/18/2009 10:25:45 AM |
| mrzz | $25.00 | $25.00 | 8/18/2009 12:35:34 PM |
| BrLender | $50.00 | $50.00 | 8/18/2009 1:40:43 PM |
| YogaDude34 | $25.00 | $25.00 | 8/18/2009 1:55:40 PM |
| hope-eagle6 | $25.00 | $25.00 | 8/18/2009 4:20:28 PM |
| kyomoon | $100.00 | $100.00 | 8/18/2009 4:20:33 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:35:57 PM |
| outofoffice | $50.00 | $50.00 | 8/18/2009 5:38:11 PM |
| UncleSafety | $100.00 | $100.00 | 8/18/2009 8:38:50 PM |
| rulender | $40.64 | $40.64 | 8/18/2009 10:41:18 PM |
| akgirlx | $25.00 | $25.00 | 8/19/2009 6:44:56 AM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:47:30 AM |
| pbenjamin | $25.00 | $25.00 | 8/19/2009 7:32:28 AM |
| windfall46 | $25.00 | $25.00 | 8/19/2009 9:22:49 AM |
| JJS180 | $25.00 | $25.00 | 8/19/2009 9:27:22 AM |
| red-sublime-return | $25.00 | $25.00 | 8/19/2009 8:24:26 AM |
| Zoomie | $25.00 | $25.00 | 8/19/2009 9:57:27 AM |
| Veloce | $25.00 | $25.00 | 8/19/2009 9:27:25 AM |
| Halos2002 | $50.00 | $50.00 | 8/19/2009 9:27:35 AM |
| demszi1978 | $25.00 | $25.00 | 8/19/2009 11:37:53 AM |
| Avid_Skier | $25.00 | $25.00 | 8/19/2009 11:42:14 AM |
| RandyL3 | $25.00 | $25.00 | 8/19/2009 4:47:55 PM |
| jldallover | $25.00 | $25.00 | 8/19/2009 9:33:04 PM |
| Sixmil | $25.00 | $25.00 | 8/20/2009 12:17:21 AM |
| gogmagog | $50.00 | $50.00 | 8/20/2009 11:13:14 AM |
| superchicken | $25.00 | $25.00 | 8/20/2009 1:24:15 PM |
| raxbab | $75.00 | $75.00 | 8/20/2009 2:27:35 PM |
| majormoves1 | $25.00 | $25.00 | 8/20/2009 2:57:21 PM |
| financelover | $25.00 | $25.00 | 8/20/2009 3:44:23 PM |
| Blue_HorseShoe | $50.00 | $50.00 | 8/20/2009 7:12:31 PM |
| conceptpi | $25.00 | $25.00 | 8/21/2009 5:07:25 AM |
| Gar3field | $50.00 | $50.00 | 8/20/2009 7:22:03 PM |
| bkb7484 | $25.00 | $25.00 | 8/20/2009 8:43:49 PM |
| tolstoy00 | $25.00 | $25.00 | 8/21/2009 11:07:31 AM |
| mlender | $25.00 | $25.00 | 8/21/2009 11:35:13 AM |
| Sitgarath | $25.00 | $25.00 | 8/21/2009 9:32:29 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:32:45 AM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:16 AM |
| gerinurse | $25.00 | $25.00 | 8/21/2009 11:56:02 AM |
| festivecpl | $25.00 | $25.00 | 8/21/2009 9:12:24 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/22/2009 12:52:31 AM |
| Rob717171 | $150.00 | $150.00 | 8/22/2009 6:56:59 AM |
| bossyboots01 | $25.00 | $25.00 | 8/22/2009 8:07:23 AM |
| SeaLoans | $25.00 | $25.00 | 8/23/2009 7:57:13 AM |
| JerryB96 | $25.00 | $25.00 | 8/23/2009 6:41:49 PM |
| SaintMatthew | $25.00 | $25.00 | 8/23/2009 7:18:31 PM |
| dud | $50.00 | $50.00 | 8/23/2009 11:28:35 AM |
| yu-rik | $25.00 | $25.00 | 8/24/2009 4:32:01 AM |
| shellstar | $25.00 | $25.00 | 8/23/2009 8:55:37 PM |
| availableloan | $25.00 | $25.00 | 8/23/2009 9:18:38 PM |
| skurfa | $50.00 | $50.00 | 8/24/2009 9:13:42 AM |
| gothampark | $25.00 | $25.00 | 8/23/2009 10:03:13 PM |
| TP | $50.00 | $50.00 | 8/23/2009 11:35:38 PM |
| bondhedger | $25.00 | $25.00 | 8/24/2009 6:25:48 AM |
| rmpedi33 | $50.00 | $50.00 | 8/24/2009 7:38:47 AM |
| greenventures | $25.00 | $25.00 | 8/24/2009 9:16:54 AM |
| bobnewt | $50.00 | $50.00 | 8/24/2009 8:18:19 AM |
| oxnard | $25.00 | $25.00 | 8/24/2009 9:50:29 AM |
| 182 bids
|
Borrower Payment Dependent Notes Series
419970
This series of Notes was issued and sold upon the funding of the borrower loan #38355, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,500.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-10-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-24-2009 |
|
|
Starting lender yield:
| 27.43% |
Starting borrower rate/APR:
| 28.43% / 30.79% |
Starting monthly payment:
| $353.57 |
|
Final lender yield:
| 19.00% |
Final borrower rate/APR:
| 20.00% / 22.24% |
Final monthly payment:
| $315.89 |
| |
|
Auction yield range:
| 11.23% - 27.43% |
Estimated loss impact:
| 10.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 7 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 12y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,793 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 13% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| scoutsmommy |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $13,000.00 | < mo. late:
| 0
( 0% )
| 740-760
(Apr-2008)
720-740
(Jan-2008)
|
|
Principal balance:
| $8,343.24 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Refinance - No Late Payments!!!
Purpose of loan:
This loan will be used to refinance my exisiting prosper loan so that I may have lower monthly payments.? All payments are current on the exisiting loan with no late payments.? I would like to refinance so that the additional monthly funds may be used for home improvement projects, without having to take out an additional loan.?
My financial situation:
I am a good candidate for this loan because, even with the?new prosper?rating system, I do have?good credit.? My debt to income ratio is approximately 84% with several hundred dollars available each month for emergencies.??I am a Trust Officer with a major financial institution where I have been employed for nearly 13 years.? I am a home owner with?a 30-year mortgage and, as indicated above, I hope to improve my home so that I?may?stay there for?several enjoyable years.??Thank you.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please estimate your current monthly net income and current monthly expenses. - karmanxten
A:
My monthly income is approximately $2,990 - after taxes. Current monthly expenses are generally $2,520 - which includes mortgage, loans, insurance, health care, utilities, etc...
(Aug-10-2009)
Q:
Humans, let's lend to this one! It's a great investment! Oh, I got a question, how fast do you plan on repaying this loan? PS: Please answer publicly. - hektek22
A:
Thank you for your support. The loan term agreement will be 3 years, but since I will have lower monthly payments than my current loan, it will allow me to have flexibility to pay more when I can and less during months when I can't (when funds will be used for home projects). My plan is to use part of my income tax refunds and work bonuses to repay this loan, so I have every intention of paying it off early - hopefully 2 to 2.5 years.
(Aug-11-2009)
Q:
What is your current Prosper interest rate that you are looking to pay off? - FairChanceLender
A:
Current interest rate is 16%. I realize that the new rate is much higher, but I was hoping the lenders would bid it down, like they did with my current loan. Even if the recommended rate remains, my payments will still be more than $100 less each month from my current loan, so it will still be worth it for me.
(Aug-13-2009)
Q:
Are you still currently working 2 jobs? Do you envision yourself out of debt (excluding mortgage) after this loan is paid off in 3 years or less? - karmanxten
A:
I do still have a second job, but I have been able to cut back on the hours, so that now I only work occasional weekends as needed. For the most part, I do envision myself out of debt in the near future. My credit cards are quite low as I do not use them much and do not intend to in the future. My new motto is, "If you can't afford it, you don't need it", so my cards are only used for emergenices. After this loan is paid, I will only have my student loan to pay off within the next 4 years.
(Aug-17-2009)
Q:
May I ask what the 2 recent inquiries were for? Thanks much! - BAEVentures
A:
I'm afraid I do not know which inquiries you are referring to. I have responded publicly to a total of 4 questions (prior to this one) so the questions and replies should be listed on my loan listing page.
(Aug-18-2009)
Q:
Sorry, I should have been more specific. 2 inquiries on you credit report in the last 6 months. Typically a result of requesting a line of credit, the inquiries refer to a third party running your credit report. - BAEVentures
A:
They must be the inquiries from Prosper in regard to this loan request. I originally had a listing for $9000 which was a higher interest rate and did not receive many investments, so it was cancelled. Then I submitted the second request for a lower amount and received the lower interest rate. They must have checked my credit twice for the two submissions.
(Aug-18-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| karmanxten | $1,485.19 | $1,485.19 | 8/10/2009 1:36:33 PM |
| VentureAngel | $25.00 | $25.00 | 8/11/2009 7:16:37 PM |
| Jinja | $30.00 | $30.00 | 8/13/2009 10:32:23 AM |
| karmanxten | $1,000.00 | $1,000.00 | 8/13/2009 10:28:40 AM |
| Credit2Prosper | $25.00 | $25.00 | 8/13/2009 10:30:22 AM |
| sparkybrneyes | $25.00 | $25.00 | 8/14/2009 3:03:17 PM |
| WDeamay | $25.00 | $25.00 | 8/14/2009 5:05:08 PM |
| medkoder | $25.00 | $25.00 | 8/15/2009 9:15:54 AM |
| GABC-1 | $50.00 | $50.00 | 8/17/2009 10:15:43 AM |
| twjh | $25.00 | $25.00 | 8/17/2009 7:15:29 PM |
| Adaboy | $50.00 | $50.00 | 8/18/2009 1:20:29 PM |
| gpuck | $25.00 | $25.00 | 8/19/2009 4:22:51 AM |
| bst | $80.00 | $80.00 | 8/19/2009 4:54:04 PM |
| tigercat | $50.00 | $50.00 | 8/19/2009 6:21:32 PM |
| Halos2002 | $50.00 | $50.00 | 8/20/2009 12:26:32 PM |
| congardner1 | $25.00 | $25.00 | 8/21/2009 7:14:02 AM |
| finagler | $25.00 | $25.00 | 8/21/2009 4:43:59 PM |
| CA_Lender | $25.00 | $25.00 | 8/21/2009 9:53:32 PM |
| cold1 | $25.00 | $25.00 | 8/22/2009 6:58:17 AM |
| quiggles | $25.00 | $24.42 | 8/22/2009 10:31:39 AM |
| vmh20035 | $50.00 | $50.00 | 8/23/2009 4:29:23 PM |
| thoughtful-investment045 | $50.00 | $50.00 | 8/23/2009 8:19:59 AM |
| Galdis | $25.00 | $25.00 | 8/23/2009 1:21:43 PM |
| roguewinner | $48.15 | $48.15 | 8/23/2009 6:28:47 PM |
| myduck | $75.00 | $75.00 | 8/24/2009 6:55:16 AM |
| zxr | $50.00 | $50.00 | 8/24/2009 7:42:04 AM |
| division177 | $25.00 | $25.00 | 8/24/2009 9:55:24 AM |
| northern_paddler | $25.00 | $25.00 | 8/12/2009 9:25:43 PM |
| karmanxten | $1,000.00 | $1,000.00 | 8/13/2009 10:26:49 AM |
| karmanxten | $1,000.00 | $1,000.00 | 8/13/2009 10:27:47 AM |
| karmanxten | $1,000.00 | $1,000.00 | 8/13/2009 10:30:09 AM |
| karmanxten | $1,000.00 | $1,000.00 | 8/13/2009 10:29:20 AM |
| First_Rate_Entrepreneur | $28.00 | $28.00 | 8/13/2009 10:58:44 AM |
| Syzygy | $25.00 | $25.00 | 8/13/2009 2:09:24 PM |
| Maggie3 | $25.00 | $25.00 | 8/14/2009 10:11:40 AM |
| MONEYMIKE83 | $25.00 | $25.00 | 8/16/2009 10:14:01 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/17/2009 11:02:42 AM |
| Kash2010lu | $25.00 | $25.00 | 8/18/2009 5:59:07 PM |
| E-B | $50.00 | $50.00 | 8/19/2009 3:19:21 AM |
| Manta_Rai | $50.00 | $50.00 | 8/19/2009 11:43:02 AM |
| interact | $25.00 | $25.00 | 8/19/2009 11:01:25 AM |
| Tuss12 | $100.00 | $100.00 | 8/19/2009 9:23:49 PM |
| Maetryx | $50.00 | $50.00 | 8/19/2009 9:19:11 PM |
| shellstar | $29.00 | $29.00 | 8/20/2009 12:26:18 PM |
| ski1965 | $50.00 | $50.00 | 8/20/2009 7:56:10 PM |
| rubylender | $25.00 | $25.00 | 8/21/2009 9:22:52 AM |
| festivecpl | $25.00 | $25.00 | 8/21/2009 10:42:06 AM |
| value-human | $50.00 | $50.00 | 8/21/2009 10:59:09 PM |
| Zipcut | $25.24 | $25.24 | 8/23/2009 4:12:46 PM |
| hektek22 | $300.00 | $300.00 | 8/24/2009 5:21:34 AM |
| money-expert | $25.00 | $25.00 | 8/24/2009 6:20:55 AM |
| lookin_up | $50.00 | $50.00 | 8/24/2009 6:25:34 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/24/2009 9:01:08 AM |
| ErikB | $25.00 | $25.00 | 8/24/2009 9:33:57 AM |
| 54 bids
|
Borrower Payment Dependent Notes Series
420260
This series of Notes was issued and sold upon the funding of the borrower loan #38361, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction start date:
| Aug-11-2009 |
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction end date:
| Aug-25-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
|
Final lender yield:
| 32.00% |
Final borrower rate/APR:
| 33.00% / 35.42% |
Final monthly payment:
| $308.78 |
| |
|
Auction yield range:
| 17.23% - 34.00% |
Estimated loss impact:
| 20.88% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.12% | | |
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:
| 5 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 600-620 (Aug-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,617 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 64% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| prstallion01 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 19 ( 73% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 7
( 27% )
| 600-620
(May-2007)
|
|
Principal balance:
| $3,516.37 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
Debt Free
Purpose of loan:
I will be using this loan for my wedding in January and also to pay off the remaining of my current loan at prosper, which I have been currently since obtaining the loan.
My financial situation:
I am a good candidate for paying back this loan because I am a GS-11 federal law enforcement employee who has been current with his bills and I have also in the last year managed to increase my credit scores almost 100 points through dedication, commitment, and responsibility.? Also it is very important in my field of work to maintain financial stability.? Not paying this loan would jeapodize my career as well as my goals to having financial freedom.
Monthly net income: $ 4500.00
Monthly expenses: $
??Housing: $ 1000.00????
??Insurance: $
??Car expenses: $ 510.00
??Utilities: $ 110.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 120.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
ladydiana has bid a total of
$4,791.40 in winning bids.
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Please explain the 7 Prosper Late Payments. How is ladydiana related to you? - karmanxten
A:
The late payments were due to the effects of the economy at the time. My significant other lost her job due to the economy which caused me to shift payments. Payments were never more then ten days late and I always paid the late fee. I assure you no further late payments will occur. Ladydiana and I have a mutual close friend and was glad to fund the loan. I assured her i would be using this loan to pay off my existing loan and the rest to me used for my wedding.
(Aug-24-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ladydiana | $7,000.00 | $4,791.40 | 8/22/2009 11:46:39 AM |
| cards4u | $25.00 | $25.00 | 8/22/2009 7:08:17 PM |
| RainyDayFunds | $25.00 | $25.00 | 8/24/2009 6:24:32 AM |
| econgineer | $75.00 | $75.00 | 8/24/2009 10:54:44 AM |
| karmanxten | $1,000.00 | $1,000.00 | 8/24/2009 12:56:32 PM |
| Entejaeger | $26.91 | $26.91 | 8/24/2009 6:07:20 PM |
| mpatrick | $64.97 | $64.97 | 8/25/2009 8:10:24 AM |
| FarmersBank | $50.00 | $50.00 | 8/25/2009 9:57:17 AM |
| GAHeel | $25.00 | $25.00 | 8/25/2009 7:23:22 AM |
| daekpon | $40.00 | $40.00 | 8/25/2009 11:51:37 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/25/2009 9:46:09 AM |
| verblender | $50.00 | $50.00 | 8/25/2009 10:11:59 AM |
| Tammy102800 | $25.00 | $25.00 | 8/25/2009 10:15:01 AM |
| wattboy | $200.00 | $200.00 | 8/25/2009 3:09:27 PM |
| WeR5A | $50.00 | $50.00 | 8/25/2009 3:25:56 PM |
| stdrgj15 | $50.00 | $50.00 | 8/22/2009 8:57:00 PM |
| djp127 | $29.00 | $29.00 | 8/23/2009 9:19:20 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/25/2009 1:25:36 AM |
| rakey | $25.00 | $25.00 | 8/25/2009 5:47:43 AM |
| rlbbank | $25.00 | $25.00 | 8/25/2009 2:29:54 AM |
| Bobusa | $25.00 | $25.00 | 8/25/2009 5:13:18 AM |
| california5andime | $25.00 | $25.00 | 8/25/2009 8:17:57 AM |
| karmanxten | $272.72 | $272.72 | 8/25/2009 1:47:12 PM |
| maga | $25.00 | $25.00 | 8/25/2009 11:05:53 AM |
| division177 | $25.00 | $25.00 | 8/25/2009 4:13:37 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
421226
This series of Notes was issued and sold upon the funding of the borrower loan #38351, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| B |
Auction start date:
| Aug-19-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Aug-25-2009 |
|
|
Starting lender yield:
| 16.03% |
Starting borrower rate/APR:
| 17.03% / 19.23% |
Starting monthly payment:
| $267.51 |
|
Final lender yield:
| 15.00% |
Final borrower rate/APR:
| 16.00% / 18.18% |
Final monthly payment:
| $263.68 |
| |
|
Auction yield range:
| 6.23% - 16.03% |
Estimated loss impact:
| 5.26% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.74% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Apr-1972 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 17
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 41 | Length of status: | 9y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,268 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 23% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| NjJim |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 34 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $23,500.00 | < mo. late:
| 0
( 0% )
| 760-780
(Jul-2009)
720-740
(Apr-2009)
760-780
(Mar-2008)
780-800
(Apr-2007)
|
|
Principal balance:
| $3,355.09 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
4th Loan - NO RISK / 100% ON TIME
Purpose of loan:Is to payoff 3 loans and payments and have only 1 affordable monthly payment
This loan will be used to?payoff my existing Prosper Loan $3000 , payoff high interest credit card $4500 , and payoff my car loan $ 2100
My financial situation: is very good my DTI is not accurate though neither is my Stated Income on this listing, Prosper is not allowing me to include my Rental Property Income on this loan , I have over 40K additional income which would bring my DTI down to almost half of what is being shown and my True Income would be shown as it has been in the past 3 Loans that I have had with prosper
I am a good candidate for this loan because?I have proven myself here at prosper and with all my creditors, I have a 100% paid and On time payment history. Starting at a high rate of interest but hoping it will be bid down . Thankyou for your time in considering my Listing .
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:
Your loan request is for $7500. You listed $9600 worth of debt to pay off. Please explain the difference, specifiy which you would like to pay off and what are their current interest rates, and payments? Answer publicly, thanks much, and good luck! - BAEVentures
A:
Sorry my Bad , I copied my last listing that was almost funded for $ 10000 less the $300 fee prosper takes leaves me $ 9700. Please see last listing for rates. Now i will just take care of 2 for now and continue paying on the other.
(Aug-21-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| anton | $25.00 | $25.00 | 8/19/2009 4:21:46 PM |
| cyberie21 | $40.00 | $40.00 | 8/19/2009 4:22:02 PM |
| money-shaker | $25.00 | $25.00 | 8/19/2009 4:23:04 PM |
| red-sublime-return | $25.00 | $25.00 | 8/19/2009 4:23:09 PM |
| zeelender | $25.00 | $25.00 | 8/19/2009 4:24:07 PM |
| incbx | $25.00 | $25.00 | 8/19/2009 4:25:08 PM |
| peb44 | $100.00 | $100.00 | 8/19/2009 4:25:20 PM |
| MrDavid | $25.00 | $25.00 | 8/19/2009 4:25:35 PM |
| slymoose | $25.00 | $25.00 | 8/19/2009 4:26:20 PM |
| Disha_Sagar | $25.00 | $25.00 | 8/19/2009 4:26:53 PM |
| Josta | $30.59 | $30.59 | 8/19/2009 4:27:23 PM |
| SNH | $25.00 | $25.00 | 8/19/2009 4:21:42 PM |
| head | $25.00 | $25.00 | 8/19/2009 4:21:57 PM |
| rmachi | $25.00 | $25.00 | 8/19/2009 4:22:19 PM |
| Frenchynh | $25.00 | $25.00 | 8/19/2009 4:30:19 PM |
| fizwahh | $30.00 | $30.00 | 8/19/2009 4:23:20 PM |
| skuba | $25.00 | $25.00 | 8/19/2009 4:21:34 PM |
| keeks | $25.00 | $25.00 | 8/19/2009 4:23:56 PM |
| unclejaef | $25.00 | $25.00 | 8/19/2009 4:22:15 PM |
| amsocool | $25.00 | $25.00 | 8/19/2009 4:31:37 PM |
| orindalender | $25.00 | $25.00 | 8/19/2009 4:24:55 PM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 4:22:28 PM |
| r1g3l | $25.00 | $25.00 | 8/19/2009 4:32:03 PM |
| scottr | $25.00 | $25.00 | 8/19/2009 4:25:46 PM |
| Penny | $50.00 | $50.00 | 8/19/2009 4:25:54 PM |
| Aquani | $50.00 | $50.00 | 8/19/2009 4:24:02 PM |
| jbarron | $25.00 | $25.00 | 8/19/2009 4:24:47 PM |
| Halos2002 | $50.00 | $50.00 | 8/19/2009 4:27:07 PM |
| VentureExplorer | $25.00 | $25.00 | 8/19/2009 4:25:00 PM |
| figs4u2 | $200.00 | $200.00 | 8/19/2009 4:26:32 PM |
| lagnisiruk | $25.00 | $25.00 | 8/19/2009 4:26:35 PM |
| PotBellyPete | $25.00 | $25.00 | 8/19/2009 4:27:10 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/19/2009 4:30:05 PM |
| Kaj | $25.00 | $25.00 | 8/19/2009 4:30:51 PM |
| jeg3k | $25.00 | $25.00 | 8/19/2009 4:31:18 PM |
| enigmallc | $25.00 | $25.00 | 8/19/2009 4:31:45 PM |
| shanedog | $25.00 | $25.00 | 8/19/2009 4:32:02 PM |
| dokiya777 | $50.00 | $50.00 | 8/19/2009 4:32:05 PM |
| jibe-set | $50.00 | $50.00 | 8/19/2009 4:30:47 PM |
| mpactlender | $25.00 | $25.00 | 8/19/2009 4:39:03 PM |
| Eagledrop | $25.00 | $25.00 | 8/19/2009 4:31:42 PM |
| Spring342 | $25.00 | $25.00 | 8/19/2009 4:31:51 PM |
| educationfirst | $25.00 | $25.00 | 8/19/2009 7:33:07 PM |
| CarDealer3070 | $25.00 | $25.00 | 8/19/2009 4:39:07 PM |
| drmoney11 | $30.00 | $30.00 | 8/19/2009 6:27:01 PM |
| Weaverville | $40.00 | $40.00 | 8/19/2009 7:12:32 PM |
| herbyman | $25.00 | $25.00 | 8/19/2009 6:57:33 PM |
| mikeandcat | $50.00 | $50.00 | 8/20/2009 4:22:28 AM |
| power-cell | $50.00 | $50.00 | 8/20/2009 9:23:31 AM |
| iolaire | $25.00 | $25.00 | 8/20/2009 4:33:59 AM |
| bigphish | $25.00 | $25.00 | 8/20/2009 7:17:30 AM |
| Credit2Prosper | $50.00 | $50.00 | 8/20/2009 11:05:05 AM |
| REBizGuy | $50.00 | $50.00 | 8/20/2009 11:17:21 AM |
| brazilofmux | $39.57 | $39.57 | 8/20/2009 11:54:25 AM |
| Hambone1111 | $25.00 | $25.00 | 8/20/2009 7:12:42 PM |
| MyKidsDad | $25.00 | $25.00 | 8/20/2009 8:32:23 PM |
| YogaDude34 | $50.00 | $50.00 | 8/20/2009 6:17:15 PM |
| roguewinner | $50.00 | $50.00 | 8/21/2009 8:54:34 AM |
| DrStaff | $25.00 | $25.00 | 8/21/2009 11:04:44 AM |
| davidc314 | $50.00 | $50.00 | 8/21/2009 1:27:44 PM |
| fdsguy | $50.00 | $50.00 | 8/21/2009 11:27:30 AM |
| IP | $50.00 | $50.00 | 8/21/2009 11:52:25 AM |
| hrubinst | $25.00 | $25.00 | 8/21/2009 12:47:44 PM |
| capital-albatross | $25.00 | $25.00 | 8/21/2009 2:17:15 PM |
| NATIVEBORN | $50.00 | $50.00 | 8/21/2009 4:38:11 PM |
| ribbles | $25.00 | $25.00 | 8/21/2009 7:47:59 PM |
| bignic | $234.29 | $72.07 | 8/21/2009 5:59:03 PM |
| Ananya | $25.00 | $25.00 | 8/21/2009 8:22:40 PM |
| skiberdad | $46.89 | $46.89 | 8/21/2009 8:22:32 PM |
| sentry256 | $25.00 | $25.00 | 8/22/2009 8:48:28 AM |
| mason13a | $25.00 | $25.00 | 8/22/2009 8:38:20 AM |
| kazanov | $25.00 | $25.00 | 8/22/2009 1:07:21 PM |
| ualf | $50.00 | $50.00 | 8/23/2009 4:58:01 AM |
| Danfromnapa | $50.00 | $50.00 | 8/23/2009 8:47:21 AM |
| mizount | $25.00 | $25.00 | 8/23/2009 5:02:15 PM |
| Unitas4302 | $200.00 | $200.00 | 8/23/2009 11:19:16 AM |
| ramsbladder | $25.00 | $25.00 | 8/23/2009 1:42:30 PM |
| GRI | $50.00 | $50.00 | 8/24/2009 6:22:41 AM |
| beyondmanagement | $25.00 | $25.00 | 8/24/2009 6:22:23 AM |
| freestyle624 | $25.00 | $25.00 | 8/24/2009 5:40:03 AM |
| rjleves | $25.00 | $25.00 | 8/24/2009 6:22:21 AM |
| Gambino | $50.00 | $50.00 | 8/24/2009 8:38:06 AM |
| grf1945 | $25.00 | $25.00 | 8/24/2009 8:17:47 AM |
| SAR-2 | $50.00 | $50.00 | 8/24/2009 8:24:16 AM |
| duty-monger | $25.00 | $25.00 | 8/24/2009 10:03:29 AM |
| Josilot | $25.00 | $25.00 | 8/24/2009 9:53:25 AM |
| Rogelio48 | $25.00 | $25.00 | 8/24/2009 12:12:12 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/24/2009 10:18:20 AM |
| atllender | $25.00 | $25.00 | 8/24/2009 3:22:27 PM |
| Sol_Invictus | $25.00 | $25.00 | 8/24/2009 12:15:06 PM |
| bigdogsafety1 | $25.00 | $25.00 | 8/24/2009 1:33:53 PM |
| delivery | $200.00 | $200.00 | 8/24/2009 3:11:27 PM |
| Jiangtao | $25.00 | $25.00 | 8/24/2009 3:24:47 PM |
| Patter256 | $25.00 | $25.00 | 8/24/2009 5:32:28 PM |
| liederhaus | $50.00 | $50.00 | 8/24/2009 6:17:55 PM |
| USAwillHELP | $41.58 | $41.58 | 8/24/2009 6:37:07 PM |
| anders94 | $36.51 | $36.51 | 8/24/2009 4:08:34 PM |
| moola-dojo | $25.00 | $25.00 | 8/24/2009 4:22:48 PM |
| quiggles | $25.00 | $25.00 | 8/24/2009 5:37:44 PM |
| kubien | $25.00 | $25.00 | 8/24/2009 4:47:39 PM |
| Artist_Blue | $25.00 | $25.00 | 8/19/2009 4:22:10 PM |
| GElender | $50.00 | $50.00 | 8/19/2009 4:22:23 PM |
| decisive-capital | $50.00 | $50.00 | 8/19/2009 4:23:12 PM |
| 02bob | $25.00 | $25.00 | 8/19/2009 4:23:24 PM |
| yield-lion | $25.00 | $25.00 | 8/19/2009 4:24:51 PM |
| TennSquire | $25.00 | $25.00 | 8/19/2009 4:25:17 PM |
| tornandfrayed | $25.00 | $25.00 | 8/19/2009 4:26:38 PM |
| WalnutCreekguy | $33.00 | $33.00 | 8/19/2009 4:26:48 PM |
| topher515 | $25.00 | $25.00 | 8/19/2009 4:27:02 PM |
| fireboss | $100.00 | $100.00 | 8/19/2009 4:27:13 PM |
| best-platinum-persimmon | $25.00 | $25.00 | 8/19/2009 4:21:26 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 4:21:51 PM |
| mathprof | $25.00 | $25.00 | 8/19/2009 4:22:06 PM |
| Elbanko | $25.00 | $25.00 | 8/19/2009 4:22:53 PM |
| thedreamer | $25.00 | $25.00 | 8/19/2009 4:23:00 PM |
| Sam65 | $25.00 | $25.00 | 8/19/2009 4:20:50 PM |
| 888168 | $25.00 | $25.00 | 8/19/2009 4:23:16 PM |
| crazycool | $35.00 | $35.00 | 8/19/2009 4:23:33 PM |
| Champpilot | $50.00 | $50.00 | 8/19/2009 4:23:46 PM |
| theQuietLender | $25.00 | $25.00 | 8/19/2009 4:31:30 PM |
| hopethisworks | $50.00 | $50.00 | 8/19/2009 4:24:12 PM |
| nestegg4e | $25.00 | $25.00 | 8/19/2009 4:31:43 PM |
| nodrivelpls | $25.00 | $25.00 | 8/19/2009 4:24:43 PM |
| don8ter | $25.00 | $25.00 | 8/19/2009 4:23:40 PM |
| GMPK_TLAS | $45.00 | $45.00 | 8/19/2009 4:23:51 PM |
| wampum-proton | $25.00 | $25.00 | 8/19/2009 4:38:42 PM |
| p2p-allocator | $25.00 | $25.00 | 8/19/2009 4:26:28 PM |
| Syzygy | $25.00 | $25.00 | 8/19/2009 4:38:50 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/19/2009 4:39:00 PM |
| AnxiousAirman | $25.00 | $25.00 | 8/19/2009 4:39:09 PM |
| testobsessed | $100.00 | $100.00 | 8/19/2009 4:25:03 PM |
| standanddeliver | $25.00 | $25.00 | 8/19/2009 4:25:13 PM |
| hc90474 | $25.00 | $25.00 | 8/19/2009 4:54:00 PM |
| wayman | $50.00 | $50.00 | 8/19/2009 4:25:27 PM |
| exact-justice | $25.00 | $25.00 | 8/19/2009 4:25:42 PM |
| bnlforever | $25.00 | $25.00 | 8/19/2009 4:31:47 PM |
| chlebie | $50.00 | $50.00 | 8/19/2009 6:12:43 PM |
| 108lender | $75.00 | $75.00 | 8/19/2009 4:30:21 PM |
| honorable-yield | $25.00 | $25.00 | 8/19/2009 4:38:52 PM |
| rdrloan | $25.00 | $25.00 | 8/19/2009 4:31:39 PM |
| pure-deal6 | $25.00 | $25.00 | 8/19/2009 4:39:10 PM |
| cgkid | $25.00 | $25.00 | 8/19/2009 4:38:53 PM |
| TOCPI | $25.00 | $25.00 | 8/19/2009 4:39:11 PM |
| amit_gu | $50.00 | $50.00 | 8/19/2009 7:41:54 PM |
| ianakacg | $25.00 | $25.00 | 8/19/2009 7:42:53 PM |
| ritwngr | $25.00 | $25.00 | 8/19/2009 6:02:36 PM |
| WolRab | $25.00 | $25.00 | 8/19/2009 7:37:52 PM |
| gilbow | $25.00 | $25.00 | 8/19/2009 7:52:17 PM |
| heavy_ax | $25.00 | $25.00 | 8/19/2009 7:58:02 PM |
| goingplaces99 | $25.00 | $25.00 | 8/20/2009 5:23:57 AM |
| Tuss12 | $50.00 | $50.00 | 8/19/2009 10:17:30 PM |
| mmckune | $25.00 | $25.00 | 8/20/2009 8:12:19 AM |
| Bank_Of_XL | $100.00 | $100.00 | 8/20/2009 9:15:35 AM |
| ZerightGifts | $200.00 | $200.00 | 8/20/2009 11:04:40 AM |
| Pilotaceh | $30.00 | $30.00 | 8/20/2009 12:31:32 PM |
| puifais | $25.00 | $25.00 | 8/20/2009 4:33:44 PM |
| fortytwo | $70.00 | $70.00 | 8/20/2009 5:18:06 PM |
| Trojan1976 | $25.00 | $25.00 | 8/20/2009 5:13:38 PM |
| elated-justice | $25.00 | $25.00 | 8/20/2009 5:32:24 PM |
| dimitrip1024 | $25.00 | $25.00 | 8/20/2009 9:52:39 PM |
| Carpetkid | $25.00 | $25.00 | 8/21/2009 10:42:19 AM |
| JohnW12 | $25.00 | $25.00 | 8/21/2009 10:00:50 AM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:52 AM |
| RoccoLoan | $100.00 | $100.00 | 8/21/2009 1:26:39 PM |
| a0z0ra | $26.39 | $26.39 | 8/21/2009 12:07:17 PM |
| kinetic-social | $25.00 | $25.00 | 8/21/2009 4:01:18 PM |
| PHI4308 | $25.00 | $25.00 | 8/21/2009 5:27:52 PM |
| BayShell | $40.00 | $40.00 | 8/21/2009 4:21:31 PM |
| sloan | $25.00 | $25.00 | 8/21/2009 7:02:20 PM |
| amijo | $25.00 | $25.00 | 8/21/2009 4:38:03 PM |
| BAEVentures | $50.00 | $50.00 | 8/21/2009 7:58:50 PM |
| Circle_of_Life | $100.00 | $100.00 | 8/21/2009 8:19:33 PM |
| AustinAmerica | $25.00 | $25.00 | 8/22/2009 9:00:46 AM |
| ibuystk | $50.00 | $50.00 | 8/22/2009 10:22:14 AM |
| Marfloogan | $25.00 | $25.00 | 8/22/2009 1:42:43 AM |
| fostaman | $25.00 | $25.00 | 8/22/2009 3:43:23 PM |
| JCMC | $25.00 | $25.00 | 8/23/2009 8:17:23 AM |
| thevogelfamily | $25.00 | $25.00 | 8/22/2009 6:53:13 PM |
| Greyed | $37.25 | $37.25 | 8/22/2009 10:24:47 PM |
| Dia_Lucri3 | $25.00 | $25.00 | 8/23/2009 1:48:18 AM |
| Dia_Lucrii | $25.00 | $25.00 | 8/23/2009 1:47:24 PM |
| chekat | $25.00 | $25.00 | 8/23/2009 3:02:13 PM |
| afford83 | $25.00 | $25.00 | 8/23/2009 2:23:53 PM |
| rmpedi33 | $50.00 | $50.00 | 8/23/2009 6:43:20 PM |
| irrelevant | $25.00 | $25.00 | 8/23/2009 8:47:21 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/23/2009 10:18:07 PM |
| JL_FC | $25.00 | $25.00 | 8/24/2009 6:22:31 AM |
| jct_enterprises | $25.00 | $25.00 | 8/24/2009 10:07:34 AM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 9:33:01 AM |
| monticello | $25.00 | $25.00 | 8/24/2009 9:34:30 AM |
| KiwiElf | $33.24 | $33.24 | 8/24/2009 2:57:36 PM |
| biobulator | $25.00 | $25.00 | 8/24/2009 10:21:03 AM |
| interstellar | $50.00 | $50.00 | 8/24/2009 3:42:33 PM |
| unger | $97.44 | $97.44 | 8/24/2009 11:29:29 AM |
| jgar_O | $25.00 | $25.00 | 8/24/2009 11:42:24 AM |
| Panitza | $29.12 | $29.12 | 8/24/2009 2:18:13 PM |
| serpentine | $41.35 | $41.35 | 8/24/2009 5:32:27 PM |
| Haydendover | $25.00 | $25.00 | 8/24/2009 6:22:23 PM |
| d_grbg | $25.00 | $25.00 | 8/24/2009 4:15:27 PM |
| Mymoney4loan | $25.00 | $25.00 | 8/24/2009 6:42:14 PM |
| outofoffice | $50.00 | $50.00 | 8/24/2009 9:22:25 PM |
| broepke | $25.00 | $25.00 | 8/24/2009 4:14:46 PM |
| westsidehighway | $25.00 | $25.00 | 8/24/2009 4:24:11 PM |
| 203 bids
|
Borrower Payment Dependent Notes Series
421454
This series of Notes was issued and sold upon the funding of the borrower loan #38317, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 10.38% |
Starting borrower rate/APR:
| 11.38% / 14.97% |
Starting monthly payment:
| $32.92 |
|
Final lender yield:
| 9.50% |
Final borrower rate/APR:
| 10.50% / 14.07% |
Final monthly payment:
| $32.50 |
| |
|
Auction yield range:
| 4.23% - 10.38% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 720-740 (Aug-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 4 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $230 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 76% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Glaundry |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $3,750.00 | < mo. late:
| 0
( 0% )
| 740-760
(Mar-2008)
|
|
Principal balance:
| $2,111.40 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Books and tuition for college
Purpose of loan:
This loan will be used to start college for a nursing degree. Money will be used to pay for books and tuition.
My financial situation:
I am a good candidate for this loan because I have no real outstanding debt and have paid my bills on time. I take care of my mother's house and therefore have no living expenses besides food, a few utilites and my health insurance. I also have a Roth IRA with a value of $ 8,000.
Monthly net income: $ 1100
Monthly expenses: $?905
??Housing: $?0
??Health Insurance: $ 80
??Car Insurance: $ 100
??Utilities: $?225
??Phone, cable, internet: $?150
??Clothing, household expenses $?125
??Credit cards and other loans: $?150??Other Misc. expenses (Roth IRA): $ 75
PLUS this Prosper Loan...
Information in the Description is not verified.
Friends And Family Winning Bids
JWal44 has bid a total of
$25.00 in winning bids.
"This is my brother's listing. He will not default on this loan."
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| bid-wonder | $25.00 | $25.00 | 8/20/2009 3:48:30 PM |
| turbospeed | $25.00 | $25.00 | 8/20/2009 3:47:28 PM |
| hellasow | $25.00 | $25.00 | 8/22/2009 11:33:16 AM |
| ToweringDan | $50.00 | $50.00 | 8/24/2009 10:48:53 PM |
| payontime1 | $50.00 | $50.00 | 8/26/2009 12:23:45 AM |
| jetblack | $50.00 | $50.00 | 8/25/2009 10:02:15 PM |
| festivecpl | $25.00 | $25.00 | 8/27/2009 2:47:51 PM |
| khamen | $25.00 | $25.00 | 8/28/2009 2:22:30 AM |
| marwadi-62 | $300.00 | $300.00 | 8/27/2009 5:57:10 PM |
| outofoffice | $50.00 | $50.00 | 8/28/2009 9:02:22 PM |
| RandyL3 | $25.00 | $25.00 | 8/31/2009 11:04:16 AM |
| Syzygy | $25.00 | $25.00 | 8/20/2009 3:48:15 PM |
| JWal44 | $50.00 | $25.00 | 8/20/2009 4:39:54 PM |
| RandyL3 | $25.00 | $25.00 | 8/20/2009 6:37:15 PM |
| McChan | $200.00 | $200.00 | 8/21/2009 12:11:09 PM |
| bondhedger | $50.00 | $50.00 | 8/28/2009 2:22:37 PM |
| bondhedger | $25.00 | $25.00 | 8/28/2009 8:50:37 PM |
| 17 bids
|
Borrower Payment Dependent Notes Series
419973
This series of Notes was issued and sold upon the funding of the borrower loan #38348, 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:
| 14.7% |
Auction end date:
| Aug-24-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.44% |
Starting monthly payment:
| $54.28 |
|
Final lender yield:
| 27.98% |
Final borrower rate/APR:
| 28.98% / 32.29% |
Final monthly payment:
| $50.27 |
| |
|
Auction yield range:
| 14.23% - 34.00% |
Estimated loss impact:
| 15.98% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 7 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 600-620 (Jul-2009) |
Current / open credit lines:
| 11
/
5 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,121 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 75% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 5 | | | | |
|
Screen name:
| cityguy44 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $2,600.00 | < mo. late:
| 0
( 0% )
| 560-580
(Oct-2007)
|
|
Principal balance:
| $1,320.13 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Getting rid of bad debt
Purpose of loan:
This loan will be used to pay off all my higher interest pay day loans which I have borrowed for an emergency uses.
My financial situation:
I am a good candidate for this loan because I already have one loan through Prosper of which all payments have been made on time and they are current with 12 months left. I also have?a steady?job and income. Thank you for your consideration.
Monthly net income: $ 3900
Monthly expenses: $
??Housing: $ 700
??Insurance: $
??Car expenses: $ 400
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Humans this is an excellent investment, let's lend to this one! Oh, I've got a question, how fast do you plan on repaying this loan? PS: Please answer publicly. - hektek22
A:
I have 12 months left to go on my first Prosper loan, I then can pay this loan off within a year. Thank you for reading this posting.
(Aug-18-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| marwadi-62 | $25.00 | $25.00 | 8/22/2009 9:34:48 AM |
| eboomer2611 | $25.00 | $25.00 | 8/22/2009 9:33:04 AM |
| dudebrah | $25.00 | $25.00 | 8/24/2009 10:02:29 AM |
| 1stBankAndHal | $25.00 | $25.00 | 8/24/2009 10:01:24 AM |
| hektek22 | $300.00 | $300.00 | 8/21/2009 12:30:43 AM |
| BankofBeth | $50.00 | $50.00 | 8/21/2009 5:49:27 PM |
| Credit2Prosper | $25.00 | $25.00 | 8/21/2009 10:12:15 PM |
| jules3304 | $25.00 | $25.00 | 8/22/2009 3:25:45 PM |
| jelly1126 | $50.00 | $50.00 | 8/22/2009 10:40:54 AM |
| Bobusa | $25.00 | $25.00 | 8/24/2009 5:33:34 AM |
| money-expert | $25.00 | $25.00 | 8/24/2009 6:21:33 AM |
| funimuni | $25.00 | $25.00 | 8/24/2009 9:01:27 AM |
| divine940 | $27.00 | $27.00 | 8/24/2009 9:39:53 AM |
| IM-SHARKY | $1,200.00 | $548.00 | 8/24/2009 9:58:55 AM |
| 14 bids
|
Borrower Payment Dependent Notes Series
419995
This series of Notes was issued and sold upon the funding of the borrower loan #38346, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-10-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-24-2009 |
|
|
Starting lender yield:
| 20.11% |
Starting borrower rate/APR:
| 21.11% / 23.36% |
Starting monthly payment:
| $113.19 |
|
Final lender yield:
| 17.83% |
Final borrower rate/APR:
| 18.83% / 21.05% |
Final monthly payment:
| $109.71 |
| |
|
Auction yield range:
| 8.23% - 20.11% |
Estimated loss impact:
| 6.91% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.92% | | |
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-1999 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $21,859 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 63% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| machvelian |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Face = Bailouts + Interest
Purpose of loan:
Bank of America and Citibank have received billions of dollars of our taxpayer money, and in an attempt to keep their outrageous profits alive, they have turned their attention away from the down and out to the people who have paid their bills on time - this article is very helpful on the topic:
http://www.nytimes.com/2009/05/19/business/19credit.html?scp=4&sq=credit%20cards&st=cse
I would like to save $100 a month in interest payments, handing any additional profit over to the people, not the banks that have ALREADY benefited from my tax money and interest payments well above the Federal Reserve Rate I have paid on-time for the past 10 years I have had credit cards.
My financial situation:
I a public servant:? A New York City school teacher instructing in a high-need discipline: Special Education.
All Amounts Per-Month
Salaried Income after all taxes and deductions:?????????????? $3000.00
(deductions include 403b, pension, union dues)
Overtime can vary, from $0 a month to $2000.00 a month in addition to my salary.
Expenses Break-Down
Rent ???? ??????????? ? ? ? ? ? ? ? ? ? ? ($1000.00)
Utilities????????????????????????????????? ($200.00)
Car Insurance / Gas??????????????? ($150.00)
Groceries?????????????????????????????? ($300.00)
Credit Cards?????????????????????????? ($500.00)* ? ????????? ???????????????
Student Loans??????????????????????? ($325.00)??????????
Thank you for your support!? Please contact me with any questions you may have.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please list the balances and interest rates of the debts you will pay off with this loan. Also, you have a revolving credit balance of over $20k. What is the rest of this debt for, and why are you only consolidating $3K of it with this loan? Thanks. - r1j2r3
A:
Citibank (29.99% min starting 8/09) - $1500
Bank of America (21%) - $1500...there is more that I will pay off with cash
I have over $10,000 in debt at less than 8%, all fixed for life with Chase, American Express and others. Some of these banks have retracted credit limits since the crisis...but it would not make sense to have a Prosper loan at three times the interest rate to pay these balances off.
I will consider taking a bigger loan in the future.
(Aug-16-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Cthulu | $25.00 | $25.00 | 8/10/2009 10:14:29 AM |
| zento | $25.00 | $25.00 | 8/10/2009 10:16:49 AM |
| bondhedger | $25.00 | $25.00 | 8/13/2009 7:08:39 AM |
| Busekrc | $30.00 | $30.00 | 8/14/2009 8:22:14 AM |
| vegibenz | $25.00 | $25.00 | 8/14/2009 10:10:11 AM |
| Sol_Invictus | $25.00 | $25.00 | 8/17/2009 6:12:24 AM |
| Superc0ld | $34.43 | $34.43 | 8/17/2009 10:55:43 AM |
| James_and_Tracy | $25.00 | $25.00 | 8/17/2009 10:56:32 AM |
| businessguy29 | $25.00 | $25.00 | 8/17/2009 1:03:42 PM |
| RoguishHound | $150.00 | $150.00 | 8/17/2009 4:30:27 PM |
| twjh | $25.00 | $25.00 | 8/17/2009 7:12:05 PM |
| peb44 | $100.00 | $100.00 | 8/17/2009 9:48:24 PM |
| kaykarun | $25.00 | $25.00 | 8/18/2009 5:05:36 PM |
| radiant-value | $25.00 | $25.00 | 8/18/2009 7:55:16 PM |
| JMY1 | $25.00 | $25.00 | 8/19/2009 4:55:44 PM |
| Sturgee | $25.00 | $25.00 | 8/19/2009 8:54:38 PM |
| DannyPhantom | $25.00 | $25.00 | 8/19/2009 9:21:57 PM |
| DavronFunding | $25.00 | $25.00 | 8/20/2009 2:12:38 PM |
| asdf9876 | $50.00 | $50.00 | 8/21/2009 12:05:04 AM |
| kulender | $50.00 | $50.00 | 8/20/2009 10:17:38 PM |
| MachV | $50.00 | $50.00 | 8/21/2009 8:28:56 AM |
| drkhelmet | $50.00 | $50.00 | 8/21/2009 10:15:21 PM |
| Circle_of_Life | $100.00 | $100.00 | 8/21/2009 8:28:15 PM |
| AustinAmerica | $25.00 | $25.00 | 8/22/2009 9:40:09 AM |
| e3oM | $50.00 | $50.00 | 8/22/2009 11:55:20 AM |
| UHcougars | $28.58 | $28.58 | 8/22/2009 4:25:05 PM |
| northern_paddler | $25.00 | $25.00 | 8/22/2009 5:01:13 PM |
| JCM_MN | $25.00 | $25.00 | 8/23/2009 7:21:11 PM |
| nymoney | $48.00 | $48.00 | 8/23/2009 4:50:56 PM |
| carmat60 | $25.00 | $25.00 | 8/23/2009 4:58:31 PM |
| kenL | $300.00 | $300.00 | 8/24/2009 7:42:17 AM |
| gothampark | $25.00 | $25.00 | 8/23/2009 10:12:09 PM |
| money-expert | $25.00 | $25.00 | 8/24/2009 6:22:23 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/24/2009 10:02:46 AM |
| CashBank | $25.00 | $25.00 | 8/24/2009 9:24:32 AM |
| shellstar | $25.00 | $25.00 | 8/24/2009 8:32:42 AM |
| LAKETIME | $25.00 | $25.00 | 8/24/2009 9:44:17 AM |
| quiggles | $50.00 | $50.00 | 8/24/2009 9:48:46 AM |
| yu-rik | $50.00 | $8.22 | 8/24/2009 10:01:30 AM |
| GrayStudio | $25.00 | $25.00 | 8/10/2009 10:16:08 AM |
| loan_doctor | $25.00 | $25.00 | 8/10/2009 10:20:58 AM |
| interstellar | $41.54 | $41.54 | 8/10/2009 11:26:06 AM |
| northern_paddler | $25.00 | $25.00 | 8/10/2009 5:58:23 PM |
| stonehillloans | $25.00 | $25.00 | 8/11/2009 6:41:24 PM |
| transaction-animal8 | $25.00 | $25.00 | 8/12/2009 12:02:36 PM |
| LarWit1512 | $25.00 | $25.00 | 8/12/2009 4:38:14 PM |
| Lesburger | $50.00 | $50.00 | 8/12/2009 11:33:16 PM |
| d_grbg | $35.00 | $35.00 | 8/13/2009 6:50:13 AM |
| zmaurides | $25.00 | $25.00 | 8/13/2009 11:22:31 AM |
| JGuide | $50.00 | $50.00 | 8/14/2009 12:48:52 AM |
| Realjo | $50.00 | $50.00 | 8/13/2009 9:23:39 PM |
| Logan7 | $25.00 | $25.00 | 8/15/2009 9:36:11 AM |
| UKJase | $25.00 | $25.00 | 8/16/2009 4:47:02 PM |
| LarryNY | $25.00 | $25.00 | 8/17/2009 12:00:35 PM |
| IUnkn0wn | $25.00 | $25.00 | 8/17/2009 1:52:11 PM |
| PalmTreeIsland | $50.00 | $50.00 | 8/18/2009 10:20:38 PM |
| Peacepower | $25.00 | $25.00 | 8/19/2009 4:48:58 AM |
| sardarji | $25.00 | $25.00 | 8/19/2009 10:05:24 AM |
| Rilman | $50.00 | $50.00 | 8/19/2009 10:27:02 AM |
| r1j2r3 | $25.00 | $25.00 | 8/20/2009 9:44:51 AM |
| crdcteng | $25.00 | $25.00 | 8/20/2009 9:59:27 AM |
| JauaFlash | $25.00 | $25.00 | 8/20/2009 11:07:38 AM |
| aultraman | $25.00 | $25.00 | 8/20/2009 10:56:28 AM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 3:23:09 PM |
| USCGC | $50.00 | $50.00 | 8/21/2009 5:35:00 PM |
| mechsoph | $100.29 | $100.29 | 8/22/2009 10:16:52 PM |
| jslo722 | $25.00 | $25.00 | 8/23/2009 7:58:20 PM |
| vmh20035 | $50.00 | $50.00 | 8/23/2009 4:32:01 PM |
| Techne_Funds_LLC | $50.00 | $50.00 | 8/23/2009 7:11:25 PM |
| GS-ROCK | $25.00 | $25.00 | 8/23/2009 9:30:06 PM |
| tkr2 | $50.00 | $50.00 | 8/24/2009 4:53:39 AM |
| kindness-jedi | $48.94 | $48.94 | 8/24/2009 6:28:05 AM |
| PotBellyPete | $25.00 | $25.00 | 8/24/2009 7:43:51 AM |
| sorace | $50.00 | $50.00 | 8/24/2009 8:04:12 AM |
| quiggles | $50.00 | $50.00 | 8/24/2009 10:01:49 AM |
| 75 bids
|
Borrower Payment Dependent Notes Series
420169
This series of Notes was issued and sold upon the funding of the borrower loan #38326, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $13,000.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-11-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-25-2009 |
|
|
Starting lender yield:
| 12.38% |
Starting borrower rate/APR:
| 13.38% / 15.53% |
Starting monthly payment:
| $440.40 |
|
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $421.61 |
| |
|
Auction yield range:
| 4.23% - 12.38% |
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:
| 8 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 780-800 (Aug-2009) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $14,180 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 44% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| hard-working-greenback |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Eliminate Credit Card Debt
Purpose of loan:
This loan will allow me to fully eliminate all of the current credit card debt incurred?by getting married and having our first child.? We have been well on our way but?we would like to?put and end date of 3 years or less to get get this debt fully paid off.? Hopefully less :)?????
By the time I get this loan paid off I can then send my wife to college to begin her career in beauty school.? Another reason to use Prosper....
My financial situation:
I've been employeed with the same company for over 10 years in a very promising career.? I make enough to pay all the bills and pay off my debt but would just like to get an end in sight.? I make over $70,000 a year and own a home.? I am finacially accountable and extremely reliable.? I have never been late on a payment or unable to may any payment I have committed too.
Please consider this loan to help a family find a end to credit card debt and start out fresh again!!!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| sas19 | $25.00 | $25.00 | 8/11/2009 4:24:55 PM |
| 888168 | $50.00 | $50.00 | 8/11/2009 4:25:18 PM |
| Sid-K | $50.00 | $50.00 | 8/11/2009 4:24:58 PM |
| Artist_Blue | $25.00 | $25.00 | 8/11/2009 4:25:56 PM |
| cyberie21 | $40.00 | $40.00 | 8/11/2009 4:25:20 PM |
| ClearLake | $25.00 | $25.00 | 8/11/2009 4:27:39 PM |
| Avala | $25.00 | $25.00 | 8/11/2009 4:25:02 PM |
| totoro | $25.00 | $25.00 | 8/11/2009 4:25:07 PM |
| abuyama22 | $25.00 | $25.00 | 8/11/2009 4:25:15 PM |
| skuba | $50.00 | $50.00 | 8/11/2009 4:25:28 PM |
| don8ter | $60.00 | $60.00 | 8/11/2009 4:28:19 PM |
| thedoctor | $25.00 | $25.00 | 8/11/2009 6:31:15 PM |
| fortytwo | $44.26 | $44.26 | 8/12/2009 5:50:11 AM |
| sparky1129 | $25.00 | $25.00 | 8/12/2009 12:55:33 PM |
| anton | $25.00 | $25.00 | 8/12/2009 1:00:55 PM |
| Goodlender42 | $25.00 | $25.00 | 8/12/2009 8:15:14 PM |
| income-excellence1 | $25.00 | $25.00 | 8/13/2009 7:56:27 AM |
| Moron_Buffet | $25.00 | $25.00 | 8/13/2009 10:06:00 AM |
| Syzygy | $25.00 | $25.00 | 8/13/2009 2:02:23 PM |
| tallcoolone | $25.00 | $25.00 | 8/13/2009 2:07:09 PM |
| jct_enterprises | $25.00 | $25.00 | 8/14/2009 7:36:43 AM |
| honorable-yield | $50.00 | $50.00 | 8/14/2009 11:00:23 AM |
| rjleves | $25.00 | $25.00 | 8/14/2009 11:43:55 AM |
| buckyhead2000 | $25.00 | $25.00 | 8/14/2009 10:37:44 AM |
| kenyonhillbilly | $50.00 | $50.00 | 8/14/2009 2:46:40 PM |
| lowestghost | $25.00 | $25.00 | 8/14/2009 4:46:14 PM |
| Guerrilla_Man | $25.00 | $25.00 | 8/15/2009 10:30:54 AM |
| money-shaker | $25.00 | $25.00 | 8/16/2009 7:55:36 PM |
| Sam65 | $25.00 | $25.00 | 8/17/2009 12:32:00 PM |
| dlshap | $25.00 | $25.00 | 8/17/2009 2:30:47 PM |
| woodenshoes | $39.72 | $39.72 | 8/17/2009 3:16:35 PM |
| d3global | $25.00 | $25.00 | 8/17/2009 6:32:09 PM |
| krishopper | $25.00 | $25.00 | 8/17/2009 6:35:39 PM |
| ekmendenhall | $25.00 | $25.00 | 8/17/2009 7:46:35 PM |
| kenji4861 | $50.00 | $50.00 | 8/17/2009 10:59:34 PM |
| treeline | $50.00 | $50.00 | 8/17/2009 11:09:23 PM |
| OLYVRC | $25.00 | $25.00 | 8/18/2009 4:45:47 AM |
| djs81 | $25.00 | $25.00 | 8/18/2009 8:25:48 AM |
| bowdish1 | $50.00 | $50.00 | 8/18/2009 8:30:36 AM |
| IndianChief | $25.00 | $25.00 | 8/18/2009 12:10:43 PM |
| Jassi | $50.00 | $50.00 | 8/18/2009 4:00:18 PM |
| YogaDude34 | $85.28 | $85.28 | 8/18/2009 4:25:22 PM |
| Halos2002 | $50.00 | $50.00 | 8/19/2009 9:27:36 AM |
| Warbler | $25.00 | $25.00 | 8/19/2009 1:32:53 PM |
| eyewillfindu | $25.00 | $25.00 | 8/19/2009 3:40:02 PM |
| sisepuede | $25.00 | $25.00 | 8/19/2009 4:38:32 PM |
| red-sublime-return | $25.00 | $25.00 | 8/19/2009 9:58:12 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:35 PM |
| investment-builder0 | $50.00 | $50.00 | 8/19/2009 10:27:24 PM |
| szetheli | $45.39 | $45.39 | 8/20/2009 9:33:29 AM |
| gogmagog | $50.00 | $50.00 | 8/20/2009 11:13:17 AM |
| leneker | $25.00 | $25.00 | 8/20/2009 12:20:16 PM |
| majormoves1 | $25.00 | $25.00 | 8/20/2009 2:57:22 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 3:51:00 PM |
| bkb7484 | $25.00 | $25.00 | 8/20/2009 8:47:21 PM |
| GElender | $49.54 | $49.54 | 8/20/2009 5:17:42 PM |
| wormdc | $25.00 | $25.00 | 8/20/2009 9:37:18 PM |
| Theboof | $25.00 | $25.00 | 8/20/2009 7:37:15 PM |
| fotep-financial | $25.00 | $25.00 | 8/21/2009 5:27:15 AM |
| Sixmil | $25.00 | $25.00 | 8/20/2009 7:47:45 PM |
| money-vista | $25.00 | $25.00 | 8/20/2009 7:42:25 PM |
| jwood3030 | $25.00 | $25.00 | 8/20/2009 8:47:39 PM |
| outofoffice | $50.00 | $50.00 | 8/20/2009 9:46:00 PM |
| rulender | $50.00 | $50.00 | 8/21/2009 5:27:14 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:32:47 AM |
| Railbird | $25.00 | $25.00 | 8/21/2009 9:34:19 AM |
| aajwm | $50.00 | $50.00 | 8/21/2009 1:42:24 PM |
| tolstoy00 | $25.00 | $25.00 | 8/21/2009 11:07:33 AM |
| vegibenz | $25.00 | $25.00 | 8/21/2009 1:27:57 PM |
| GAOGERAM_BANK | $25.00 | $25.00 | 8/21/2009 4:24:51 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 8/21/2009 4:17:53 PM |
| Patrician | $25.00 | $25.00 | 8/21/2009 4:18:05 PM |
| tornandfrayed | $25.00 | $25.00 | 8/21/2009 4:57:59 PM |
| Kerensky | $41.76 | $41.76 | 8/21/2009 4:21:40 PM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/21/2009 4:22:28 PM |
| mlender | $25.00 | $25.00 | 8/21/2009 4:21:33 PM |
| kaykarun | $32.10 | $32.10 | 8/21/2009 5:47:29 PM |
| USMC0311 | $25.00 | $25.00 | 8/21/2009 4:23:47 PM |
| klin | $25.00 | $25.00 | 8/21/2009 4:39:59 PM |
| flexiboy35 | $25.00 | $25.00 | 8/21/2009 4:40:01 PM |
| internetpreneur | $25.00 | $25.00 | 8/21/2009 4:57:54 PM |
| director877 | $25.00 | $25.00 | 8/21/2009 6:37:28 PM |
| elasermd | $50.00 | $50.00 | 8/21/2009 7:27:24 PM |
| revthunder | $40.08 | $40.08 | 8/21/2009 8:22:27 PM |
| tylerfd | $25.00 | $25.00 | 8/22/2009 7:02:19 AM |
| trekkie3po | $25.00 | $25.00 | 8/22/2009 5:17:37 PM |
| barflyer | $25.00 | $25.00 | 8/23/2009 9:58:54 AM |
| econgineer | $50.00 | $50.00 | 8/24/2009 12:18:04 PM |
| ultimatepaintball | $27.84 | $27.84 | 8/24/2009 4:53:09 PM |
| rockymtbob | $50.00 | $50.00 | 8/24/2009 4:40:09 PM |
| dud | $50.00 | $50.00 | 8/24/2009 5:02:36 PM |
| freedom3 | $5,000.00 | $5,000.00 | 8/25/2009 5:44:46 AM |
| labate | $25.00 | $25.00 | 8/25/2009 7:33:47 AM |
| flshdaskll | $25.00 | $25.00 | 8/25/2009 4:08:48 AM |
| kulender | $100.00 | $100.00 | 8/25/2009 8:19:53 AM |
| Realjo | $50.00 | $50.00 | 8/25/2009 9:44:01 AM |
| Aubrei | $25.00 | $25.00 | 8/25/2009 7:32:30 AM |
| xyzlmno | $25.00 | $25.00 | 8/25/2009 7:32:38 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/25/2009 11:07:26 AM |
| kazdag | $64.87 | $64.87 | 8/25/2009 11:12:39 AM |
| MacBrandon | $25.00 | $25.00 | 8/25/2009 7:44:22 AM |
| coin-lender77 | $50.00 | $50.00 | 8/25/2009 8:13:13 AM |
| order-rider | $50.00 | $50.00 | 8/25/2009 9:15:02 AM |
| loantigger | $25.00 | $25.00 | 8/25/2009 7:32:36 AM |
| cemseller | $25.00 | $25.00 | 8/25/2009 7:33:06 AM |
| Algaes | $25.00 | $25.00 | 8/25/2009 7:35:05 AM |
| selo80 | $25.00 | $25.00 | 8/25/2009 9:40:24 AM |
| techreseller | $50.00 | $50.00 | 8/25/2009 1:28:02 PM |
| relentless-finance | $25.00 | $25.00 | 8/25/2009 10:14:16 AM |
| Kyileo | $50.00 | $50.00 | 8/25/2009 2:13:31 PM |
| bondhedger | $25.00 | $25.00 | 8/25/2009 9:19:54 AM |
| Rob717171 | $150.00 | $150.00 | 8/25/2009 2:37:27 PM |
| maga | $25.00 | $25.00 | 8/25/2009 11:00:56 AM |
| division177 | $25.00 | $25.00 | 8/25/2009 4:11:31 PM |
| IUnkn0wn | $25.00 | $25.00 | 8/25/2009 1:56:24 PM |
| radiant-value | $25.00 | $25.00 | 8/25/2009 12:30:21 PM |
| yogi1975 | $40.00 | $40.00 | 8/25/2009 2:40:35 PM |
| Nasdaq | $25.00 | $25.00 | 8/25/2009 3:26:04 PM |
| mathprof | $25.00 | $25.00 | 8/11/2009 4:25:23 PM |
| DukSerduk | $25.00 | $25.00 | 8/11/2009 4:25:11 PM |
| bchen78875 | $50.00 | $50.00 | 8/11/2009 4:26:02 PM |
| TK4 | $25.00 | $25.00 | 8/11/2009 4:27:14 PM |
| lagnisiruk | $25.00 | $25.00 | 8/11/2009 4:27:19 PM |
| elated-justice | $25.00 | $25.00 | 8/11/2009 4:21:05 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/11/2009 4:25:39 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/12/2009 9:31:03 AM |
| market-assembler | $25.00 | $25.00 | 8/13/2009 1:25:40 PM |
| aesop | $25.00 | $25.00 | 8/15/2009 10:26:10 AM |
| DrStaff | $35.27 | $35.27 | 8/16/2009 11:35:49 PM |
| willingnjc | $25.00 | $25.00 | 8/17/2009 10:32:45 AM |
| Patter256 | $25.00 | $25.00 | 8/17/2009 10:39:14 AM |
| seasportsguy | $25.00 | $25.00 | 8/17/2009 10:58:32 AM |
| cowboyskier | $50.00 | $50.00 | 8/17/2009 10:59:04 AM |
| truth-companion | $25.00 | $25.00 | 8/17/2009 11:26:15 AM |
| gilbow | $25.00 | $25.00 | 8/17/2009 9:35:46 PM |
| grf1945 | $25.00 | $25.00 | 8/17/2009 10:59:07 PM |
| shanedog | $25.00 | $25.00 | 8/17/2009 11:09:22 PM |
| MonkeyPet | $25.00 | $25.00 | 8/17/2009 11:09:18 PM |
| supe11 | $25.00 | $25.00 | 8/17/2009 11:10:12 PM |
| Natronpee | $25.00 | $25.00 | 8/18/2009 8:30:38 AM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:32:22 AM |
| wampum-proton | $25.00 | $25.00 | 8/18/2009 12:25:38 PM |
| fdsguy | $50.00 | $50.00 | 8/18/2009 3:59:35 PM |
| paddatjie | $25.00 | $25.00 | 8/18/2009 4:16:12 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:35:57 PM |
| pbenjamin | $25.00 | $25.00 | 8/19/2009 7:32:30 AM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:47:33 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:06 AM |
| rdrloan | $25.00 | $25.00 | 8/19/2009 10:07:30 AM |
| JJS180 | $25.00 | $25.00 | 8/19/2009 1:18:23 PM |
| seattleite36 | $25.00 | $25.00 | 8/19/2009 1:55:28 PM |
| mrzz | $25.00 | $25.00 | 8/19/2009 3:12:13 PM |
| eyal0 | $25.00 | $25.00 | 8/19/2009 3:25:31 PM |
| kyomoon | $26.07 | $26.07 | 8/19/2009 4:38:31 PM |
| Wart126 | $25.00 | $25.00 | 8/19/2009 7:42:36 PM |
| jldallover | $25.00 | $25.00 | 8/19/2009 9:33:05 PM |
| hope-eagle6 | $25.00 | $25.00 | 8/19/2009 8:12:58 PM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:17 AM |
| Zoomie | $25.00 | $25.00 | 8/20/2009 11:07:30 AM |
| mizount | $25.00 | $25.00 | 8/20/2009 12:27:25 PM |
| cheng | $25.00 | $25.00 | 8/20/2009 2:14:50 PM |
| raxbab | $63.50 | $63.50 | 8/20/2009 2:27:35 PM |
| rmsyvt | $25.00 | $25.00 | 8/20/2009 4:19:24 PM |
| Gorblum | $25.00 | $25.00 | 8/20/2009 5:52:36 PM |
| Blue_HorseShoe | $50.00 | $50.00 | 8/20/2009 7:12:32 PM |
| keyfig | $25.00 | $25.00 | 8/21/2009 9:28:25 AM |
| superchicken | $25.00 | $25.00 | 8/20/2009 10:37:35 PM |
| brstern2 | $25.00 | $25.00 | 8/21/2009 4:22:24 AM |
| windfall46 | $25.00 | $25.00 | 8/21/2009 5:27:16 AM |
| Veloce | $25.00 | $25.00 | 8/21/2009 6:32:15 AM |
| slartibardfast | $30.00 | $30.00 | 8/21/2009 9:32:20 AM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:19 AM |
| AndersenWatcher | $25.00 | $25.00 | 8/21/2009 10:37:24 AM |
| Avid_Skier | $25.00 | $25.00 | 8/21/2009 4:14:06 PM |
| financelover | $25.00 | $25.00 | 8/21/2009 4:16:10 PM |
| dumbass | $25.00 | $25.00 | 8/21/2009 4:17:41 PM |
| tsui517 | $25.00 | $25.00 | 8/21/2009 4:22:13 PM |
| the-silver-blaster | $25.00 | $25.00 | 8/21/2009 4:24:52 PM |
| BayShell | $25.66 | $25.66 | 8/21/2009 4:38:29 PM |
| puifais | $25.00 | $25.00 | 8/21/2009 4:18:04 PM |
| TheRiver08 | $25.00 | $25.00 | 8/21/2009 4:40:00 PM |
| conceptpi | $25.00 | $25.00 | 8/21/2009 4:18:43 PM |
| atlgator | $25.00 | $25.00 | 8/21/2009 4:19:45 PM |
| faldska | $25.00 | $25.00 | 8/21/2009 4:20:13 PM |
| token34 | $25.00 | $25.00 | 8/21/2009 5:32:14 PM |
| BoutYeBank | $25.00 | $25.00 | 8/21/2009 4:22:04 PM |
| incbx | $50.00 | $50.00 | 8/21/2009 4:23:21 PM |
| greenwell | $45.55 | $45.55 | 8/21/2009 4:24:48 PM |
| sloak | $25.00 | $25.00 | 8/21/2009 4:24:53 PM |
| NATIVEBORN | $30.50 | $30.50 | 8/21/2009 4:33:13 PM |
| juiceman818 | $25.00 | $25.00 | 8/21/2009 4:25:48 PM |
| newfoundation | $25.00 | $25.00 | 8/21/2009 4:39:10 PM |
| kanewna | $30.50 | $30.50 | 8/21/2009 4:38:08 PM |
| YellowJacket | $25.00 | $25.00 | 8/21/2009 4:39:54 PM |
| virtualbank | $25.00 | $25.00 | 8/21/2009 4:39:13 PM |
| RoyFauntleroy | $25.00 | $25.00 | 8/21/2009 4:40:35 PM |
| mmqc | $25.00 | $25.00 | 8/21/2009 4:58:12 PM |
| Rule62 | $25.00 | $25.00 | 8/21/2009 5:47:34 PM |
| Ananya | $25.00 | $25.00 | 8/21/2009 6:13:02 PM |
| BklynLender | $25.00 | $25.00 | 8/21/2009 6:32:15 PM |
| omahajay | $65.00 | $65.00 | 8/21/2009 10:40:25 PM |
| a-harmonious-deal | $25.00 | $25.00 | 8/22/2009 7:02:20 AM |
| unclejaef | $25.00 | $22.71 | 8/22/2009 7:02:21 AM |
| emunah6 | $25.00 | $25.00 | 8/23/2009 8:43:27 PM |
| fair_rates | $25.00 | $25.00 | 8/23/2009 11:42:11 PM |
| koyote | $50.00 | $50.00 | 8/24/2009 10:01:50 AM |
| SkipMcGrath | $40.90 | $40.90 | 8/24/2009 2:57:29 PM |
| Finspons | $25.00 | $25.00 | 8/24/2009 3:44:11 PM |
| thephoenix0110 | $30.00 | $30.00 | 8/24/2009 4:14:37 PM |
| JerryB96 | $25.00 | $25.00 | 8/24/2009 7:52:32 PM |
| CaliforniaSun | $50.00 | $50.00 | 8/24/2009 4:56:57 PM |
| yenom | $25.00 | $25.00 | 8/24/2009 4:57:41 PM |
| IIP77 | $34.72 | $34.72 | 8/25/2009 5:19:14 AM |
| BankofBeth | $50.00 | $50.00 | 8/24/2009 5:00:18 PM |
| ehvertherman | $50.00 | $50.00 | 8/25/2009 7:32:41 AM |
| jimbo29blue | $25.00 | $25.00 | 8/25/2009 7:33:04 AM |
| zhiguli | $30.00 | $30.00 | 8/25/2009 7:33:36 AM |
| shellstar | $25.00 | $25.00 | 8/25/2009 7:55:19 AM |
| btormc5 | $50.00 | $50.00 | 8/25/2009 6:09:09 AM |
| ayerobbie | $25.00 | $25.00 | 8/25/2009 7:32:33 AM |
| jswanso2 | $25.00 | $25.00 | 8/25/2009 7:33:01 AM |
| p_amadeus | $100.00 | $100.00 | 8/25/2009 7:45:00 AM |
| demszi1978 | $52.00 | $52.00 | 8/25/2009 6:16:17 AM |
| billk333 | $25.00 | $25.00 | 8/25/2009 6:23:29 AM |
| akl_5277 | $36.00 | $36.00 | 8/25/2009 11:34:31 AM |
| GAHeel | $25.00 | $25.00 | 8/25/2009 7:13:41 AM |
| bigmoneybags | $25.00 | $25.00 | 8/25/2009 11:55:30 AM |
| eldorado71 | $25.00 | $25.00 | 8/25/2009 11:56:57 AM |
| planky | $50.00 | $50.00 | 8/25/2009 9:22:37 AM |
| Hogan55 | $55.78 | $55.78 | 8/25/2009 9:29:39 AM |
| mtb06 | $25.00 | $25.00 | 8/25/2009 7:32:58 AM |
| thenewkaisersoze | $25.00 | $25.00 | 8/25/2009 7:34:54 AM |
| TyBucks | $25.00 | $25.00 | 8/25/2009 12:41:08 PM |
| dman1024 | $50.00 | $50.00 | 8/25/2009 12:51:28 PM |
| yu-rik | $50.00 | $50.00 | 8/25/2009 2:00:04 PM |
| Proactive-Lender | $85.00 | $85.00 | 8/25/2009 2:01:57 PM |
| investment-cluster | $25.00 | $25.00 | 8/25/2009 9:04:27 AM |
| lindssc1 | $25.00 | $25.00 | 8/25/2009 11:23:51 AM |
| power-expert | $25.00 | $25.00 | 8/25/2009 11:24:58 AM |
| WeR5A | $50.00 | $50.00 | 8/25/2009 3:24:01 PM |
| 240 bids
|
Borrower Payment Dependent Notes Series
420423
This series of Notes was issued and sold upon the funding of the borrower loan #38311, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,699.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-28-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $76.86 |
|
Final lender yield:
| 6.99% |
Final borrower rate/APR:
| 7.99% / 10.07% |
Final monthly payment:
| $53.23 |
| |
|
Auction yield range:
| 4.23% - 34.00% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Mar-2003 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 5y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,455 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 9% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| BAEVentures |
Borrower's state:
| Illinois |
Borrower's group:
| LendersClub |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Apr-2009)
740-760
(Jul-2008)
|
|
Principal balance:
| $1,389.23 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Re-Invest In Prosper
Purpose of loan:
This loan will be used to? Re-invest in Prosper. I currently have over $2,000 invested and am looking to increase that.
My financial situation:
I am a good candidate for this loan because? I have a previous Prosper loan, I have never been late on a payment.
Expenses: $3101.90
Income: $3880.00
FYI lenders, I will not accept this loan if it is not bid below 8.5%.
Please let me know if you have any questions.
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of
$25.00 in winning bids.
"A Credit, long time group supporter and he has over $2300 invested in Prosper! I have verified his contact info and I am bidding!"
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Could you please give us a breakdown of income versus expenses? Please answer publicly. - dasyjo
A:
$51,000 salary + bonus. Just over 2400 a month solo and wife earns $1300. Exenses are $3101.90 leaving approximately $600.
(Aug-20-2009)
Q:
You say your investments grew at 150% a year. I believe the addage that if a thing sounds too good to be true it usually is. - ITrustyou
A:
Believe as you wish. I invest mainly in micro cap stocks via my Scottrade Account (Current Value $15,000). I also play low stakes hold'em online. Have been playing for years and have increased my initial $200 deposit there to over $5,600. My Scottrade account was opened with less than $2,500, ~30 months ago.
(Aug-23-2009)
Q:
I was looking at lendingsstats.com and the latest information on your Prosper loans states that although you should be obtaining almost 15%, you are currently only achieving 7.2% with defaults. Any comments on your success/failure? - RealEstateInvestorsoftheUS
A:
I was a bit reckless when I first began lending. The first $1,100 or so of my personal cash was lent out to very some very untidy people. Being new, and not having done the much personal research, My losses would have been staggering. However, I am still achieving a small return. If you look at my loans from the later half of 2008 before Prosper went silent, you will see a very small default rate and a much more conservative strategy. I am also largely investing in group success at this time.Thx
(Aug-24-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| slxvq | $50.00 | $50.00 | 8/24/2009 2:51:45 PM |
| justin323 | $25.00 | $25.00 | 8/27/2009 4:18:10 PM |
| power-expert | $25.00 | $25.00 | 8/27/2009 7:52:52 PM |
| Speedfreak | $25.00 | $25.00 | 8/27/2009 6:26:38 PM |
| finagler | $25.00 | $19.01 | 8/27/2009 8:53:10 PM |
| Spiv_51 | $25.00 | $25.00 | 8/28/2009 1:16:41 AM |
| gothampark | $25.00 | $25.00 | 8/27/2009 9:21:42 PM |
| zxr | $50.00 | $50.00 | 8/28/2009 8:30:51 AM |
| amit_gu | $68.95 | $68.95 | 8/28/2009 3:22:42 PM |
| sunnysally | $50.00 | $50.00 | 8/28/2009 3:54:36 PM |
| colorunner | $25.00 | $25.00 | 8/28/2009 3:09:48 PM |
| Rancid | $30.00 | $30.00 | 8/28/2009 3:39:17 PM |
| Rob717171 | $150.00 | $150.00 | 8/28/2009 2:39:11 PM |
| clemclan | $25.00 | $25.00 | 8/28/2009 3:10:41 PM |
| JGuide | $25.00 | $25.00 | 8/14/2009 4:03:04 PM |
| rmpedi33 | $25.00 | $25.00 | 8/17/2009 8:50:43 AM |
| duke12 | $50.44 | $50.44 | 8/21/2009 4:07:12 AM |
| bds9646 | $113.78 | $113.78 | 8/27/2009 9:37:14 AM |
| Toony | $25.00 | $25.00 | 8/27/2009 9:24:58 PM |
| dudebrah | $25.00 | $25.00 | 8/28/2009 1:39:35 AM |
| mstudda1 | $33.82 | $33.82 | 8/28/2009 5:11:25 AM |
| kf88 | $80.00 | $80.00 | 8/28/2009 8:49:11 AM |
| TW2000 | $78.00 | $78.00 | 8/28/2009 9:49:20 AM |
| PrinceValium | $25.00 | $25.00 | 8/28/2009 10:05:37 AM |
| tmtcl | $25.00 | $25.00 | 8/28/2009 3:57:13 PM |
| sixjacobs | $100.00 | $100.00 | 8/28/2009 3:36:02 PM |
| IM-SHARKY | $500.00 | $500.00 | 8/28/2009 3:54:45 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
420535
This series of Notes was issued and sold upon the funding of the borrower loan #38314, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction end date:
| Aug-28-2009 |
|
|
Starting lender yield:
| 29.03% |
Starting borrower rate/APR:
| 30.03% / 32.41% |
Starting monthly payment:
| $106.17 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $94.19 |
| |
|
Auction yield range:
| 8.23% - 29.03% |
Estimated loss impact:
| 8.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| May-1994 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-720 (Aug-2009) |
Current / open credit lines:
| 7
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $249,703 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 100% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| openness-walnut |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off higher interest debt
Purpose of loan:
This loan will be used to pay down higher interest debt?
My financial situation:
I am a good candidate for this loan because I have a?stable two family income household and I have exhibited responsible payment history with all credit accounts.
Monthly net income:?
Monthly expenses: $
??Housing: $?3000
??Insurance: $ 150
??Car expenses: $ 700
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Why would anyone with a $100+ K hose hold income need a $2500 loan? Please answer publicly - mjerryfirst
A:
I have credit card debt that I would like to lower the rate on. I live in Southern California and the cost of living in quite high.
(Aug-16-2009)
Q:
Explain your $249K revolving balance - mjerryfirst
A:
Thanks for you interest. 91k is unsecured credit (credit cards and a bank line) at a weighted average rate of 13%. Unfortunately the rates on some of the lower balances are quite high. The remaining balance is a home equity line (prime minus .01). Let me know if you have any further questions.
(Aug-16-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| loan_doctor | $25.00 | $25.00 | 8/14/2009 4:00:55 PM |
| rate-mogul | $25.00 | $25.00 | 8/14/2009 4:01:04 PM |
| bid-wonder | $25.00 | $25.00 | 8/19/2009 9:35:22 AM |
| mercuriant | $25.00 | $25.00 | 8/20/2009 4:26:23 PM |
| Syzygy | $25.00 | $25.00 | 8/20/2009 6:13:18 PM |
| nimble-revenue | $25.00 | $25.00 | 8/24/2009 10:21:42 AM |
| YoungTaxMan | $25.00 | $25.00 | 8/25/2009 4:42:12 PM |
| texrob20 | $50.00 | $50.00 | 8/26/2009 8:38:49 AM |
| LibbyZ | $50.00 | $50.00 | 8/26/2009 4:17:30 PM |
| GrayStudio | $25.00 | $25.00 | 8/26/2009 6:03:52 PM |
| Spiderman55 | $25.00 | $25.00 | 8/27/2009 12:13:36 PM |
| disclaimer777cc | $25.00 | $25.00 | 8/27/2009 4:04:57 PM |
| WisconsinLiberal | $25.00 | $25.00 | 8/27/2009 1:54:55 PM |
| LarryNY | $25.00 | $25.00 | 8/27/2009 3:12:09 PM |
| Thunder08 | $25.00 | $25.00 | 8/27/2009 4:59:20 PM |
| twjh | $25.00 | $25.00 | 8/27/2009 5:40:46 PM |
| mpatrick | $100.00 | $100.00 | 8/28/2009 7:52:08 AM |
| CashBank | $25.00 | $25.00 | 8/28/2009 8:56:36 AM |
| OPEO | $50.00 | $50.00 | 8/28/2009 6:40:11 AM |
| Leshan | $50.00 | $50.00 | 8/28/2009 7:18:39 AM |
| witty-compassion | $25.00 | $25.00 | 8/28/2009 10:59:01 AM |
| bitano | $50.00 | $50.00 | 8/28/2009 7:37:44 AM |
| vkm2000 | $25.00 | $25.00 | 8/28/2009 11:03:50 AM |
| paulsar71495 | $25.00 | $25.00 | 8/28/2009 10:58:32 AM |
| James_and_Tracy | $25.00 | $25.00 | 8/28/2009 11:18:06 AM |
| rockwild | $33.39 | $33.39 | 8/28/2009 2:55:16 PM |
| BankOfThomas | $44.63 | $44.63 | 8/28/2009 12:03:19 PM |
| Superc0ld | $39.57 | $39.57 | 8/28/2009 11:38:24 AM |
| division177 | $25.00 | $25.00 | 8/28/2009 3:59:43 PM |
| Crom | $50.00 | $50.00 | 8/28/2009 12:08:23 PM |
| SCRUGZY | $25.00 | $25.00 | 8/28/2009 2:28:49 PM |
| Russh | $25.00 | $25.00 | 8/28/2009 3:50:57 PM |
| himanshuko | $100.00 | $100.00 | 8/28/2009 2:23:41 PM |
| payout-magician | $25.00 | $25.00 | 8/28/2009 2:40:55 PM |
| Sol_Invictus | $25.00 | $25.00 | 8/17/2009 6:13:20 AM |
| Madron | $50.00 | $50.00 | 8/17/2009 11:41:59 AM |
| zento | $25.00 | $25.00 | 8/18/2009 9:32:12 AM |
| ChrisKwan | $25.00 | $25.00 | 8/19/2009 3:25:15 PM |
| Bank_Of_XL | $100.00 | $100.00 | 8/20/2009 9:20:03 AM |
| d_grbg | $35.00 | $35.00 | 8/23/2009 5:22:19 PM |
| tnjohnso | $25.00 | $25.00 | 8/24/2009 4:02:46 PM |
| rakey | $25.00 | $25.00 | 8/26/2009 4:07:43 PM |
| scottr | $25.00 | $25.00 | 8/26/2009 4:08:49 PM |
| natejx | $25.00 | $25.00 | 8/27/2009 11:27:32 AM |
| sflender1099 | $25.00 | $2.87 | 8/27/2009 12:37:48 PM |
| joudsa | $25.00 | $25.00 | 8/27/2009 10:13:19 AM |
| vmh20035 | $50.00 | $50.00 | 8/27/2009 5:02:22 PM |
| SkinnyFish | $25.00 | $25.00 | 8/27/2009 6:13:11 PM |
| hektek22 | $300.00 | $300.00 | 8/27/2009 9:45:23 PM |
| Bobusa | $25.00 | $25.00 | 8/28/2009 5:24:18 AM |
| realtormoises | $25.00 | $25.00 | 8/27/2009 7:39:28 PM |
| Taho | $50.00 | $50.00 | 8/28/2009 7:41:12 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/28/2009 8:00:12 AM |
| gothampark | $25.00 | $25.00 | 8/27/2009 9:28:53 PM |
| r1w | $56.00 | $56.00 | 8/28/2009 5:53:45 AM |
| sknop64 | $25.00 | $25.00 | 8/28/2009 5:07:35 AM |
| gr8heart | $40.00 | $40.00 | 8/28/2009 9:12:49 AM |
| jules3304 | $25.00 | $25.00 | 8/28/2009 10:44:44 AM |
| Snoopylover | $25.00 | $25.00 | 8/28/2009 11:31:25 AM |
| investment-cluster | $25.00 | $25.00 | 8/28/2009 12:27:52 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/28/2009 12:56:09 PM |
| silverloan | $43.54 | $43.54 | 8/28/2009 11:39:11 AM |
| Swinghi | $25.00 | $25.00 | 8/28/2009 12:49:11 PM |
| AM2008 | $25.00 | $25.00 | 8/28/2009 1:17:20 PM |
| active-return | $25.00 | $25.00 | 8/28/2009 3:48:42 PM |
| MidnightBank | $25.00 | $25.00 | 8/28/2009 3:05:53 PM |
| Engineer44 | $30.00 | $30.00 | 8/28/2009 3:59:46 PM |
| 67 bids
|
Borrower Payment Dependent Notes Series
420543
This series of Notes was issued and sold upon the funding of the borrower loan #38323, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-24-2009 |
|
|
Starting lender yield:
| 30.29% |
Starting borrower rate/APR:
| 31.29% / 35.35% |
Starting monthly payment:
| $43.16 |
|
Final lender yield:
| 30.29% |
Final borrower rate/APR:
| 31.29% / 35.35% |
Final monthly payment:
| $43.16 |
| |
|
Auction yield range:
| 11.23% - 30.29% |
Estimated loss impact:
| 10.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Oct-2005 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 8 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,805 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 50% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| protector1 |
Borrower's state:
| Tennessee |
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 to pay?for College?tuition and expenses, so that?my?Wife and I can receive a good education to be able to support our family.
My financial situation:
I am a good candidate for this loan because I have great credit for my age. I have never had any late payments on any loans. I have a good income to pay for the loan payments. Our monthly expenses are low, thus leaving plenty of money each month to make the loan payment on time.
Monthly net income: $ 7,000
Monthly expenses: $
??Housing: $ 0-We live in my Parent's basement????
??Insurance: $ 150
??Car expenses: $ 300????
??Utilities: $ 0-We live in my?parent's basment
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Do you have any expenses other than those listed? From my calculation your expenses are $950/mo and you make $7K/mo, so I don't understand why you would need a $1K loan... are there other household expenses not listed here? - SPickle
A:
No. Those are all of my expenses. I am currently working on my Master's degree, as my wife is working on Pre-Med. I need a lot more than $1K, as tuition prices are very high. I Started out listing a loan for $10K, but after receiving 0 bids after 2 weeks, I decided that I needed to start somewhere. I listed a loan request for $1K this time at a much better probability of getting bids I will pay the loan back within 1 month giving me "Prosper experience" hopefully make it easy 2 get a larger loan
(Aug-18-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IM-SHARKY | $1,000.00 | $900.00 | 8/22/2009 2:52:04 PM |
| Pintu_Desai | $25.00 | $25.00 | 8/22/2009 5:23:23 PM |
| mt3209 | $25.00 | $25.00 | 8/22/2009 2:52:30 PM |
| ajk_blue | $25.00 | $25.00 | 8/22/2009 2:52:20 PM |
| zxsport30 | $25.00 | $25.00 | 8/24/2009 12:40:59 PM |
| 5 bids
|
Borrower Payment Dependent Notes Series
420571
This series of Notes was issued and sold upon the funding of the borrower loan #38352, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-28-2009 |
|
|
Starting lender yield:
| 26.43% |
Starting borrower rate/APR:
| 27.43% / 29.77% |
Starting monthly payment:
| $164.23 |
|
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $162.02 |
| |
|
Auction yield range:
| 11.23% - 26.43% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.77% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 7 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 12
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 8y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,875 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 54% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| ingenious-exchange |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to pay down a couple existing debts.
My financial situation:
I am a good candidate for this loan because I have a very good history of paying off my debts before the call dates and I have a very good salary.? I work as a risk manager for a financial institution.? I fully understand credit and the responsibility to pay back creditors.? Also, my debt to income ratio is very low.
Monthly Net income:? $3500
Mortgage: $840
Credit Card: $120
utilities: $250
internet, cable: $120
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:
6-8 months
(Aug-27-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| secobarbital | $25.00 | $25.00 | 8/14/2009 4:02:18 PM |
| thedreamer | $25.00 | $25.00 | 8/14/2009 4:02:27 PM |
| foothillender | $25.00 | $25.00 | 8/15/2009 6:49:04 AM |
| seisen | $50.00 | $50.00 | 8/17/2009 4:28:51 PM |
| Kaj | $25.00 | $25.00 | 8/19/2009 7:48:44 AM |
| ChrisTJ | $25.00 | $25.00 | 8/19/2009 3:14:26 PM |
| GMPK_TLAS | $25.00 | $25.00 | 8/22/2009 8:27:53 AM |
| biobulator | $25.00 | $25.00 | 8/22/2009 9:57:40 PM |
| fortytwo | $25.00 | $25.00 | 8/23/2009 11:29:54 AM |
| MicroPod | $25.00 | $25.00 | 8/24/2009 10:05:29 AM |
| PotBellyPete | $25.00 | $25.00 | 8/24/2009 10:05:45 AM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 9:32:52 AM |
| slcchad | $25.00 | $25.00 | 8/24/2009 10:23:03 AM |
| j-lender | $25.00 | $25.00 | 8/24/2009 10:04:28 AM |
| Georgetastic | $25.00 | $25.00 | 8/24/2009 10:24:39 AM |
| kmavm | $25.00 | $25.00 | 8/24/2009 2:27:25 PM |
| Papa_Mema | $50.00 | $50.00 | 8/24/2009 10:23:00 AM |
| Marfloogan | $25.00 | $25.00 | 8/24/2009 10:23:19 AM |
| MissionMicroFinance | $25.00 | $25.00 | 8/24/2009 10:22:00 AM |
| honorable-yield | $25.00 | $25.00 | 8/24/2009 10:22:31 AM |
| impressive-loan | $25.00 | $25.00 | 8/24/2009 3:22:38 PM |
| Raetha | $25.00 | $25.00 | 8/24/2009 1:43:55 PM |
| dbmurch | $25.00 | $25.00 | 8/24/2009 5:42:20 PM |
| mrzz | $25.00 | $25.00 | 8/24/2009 4:38:01 PM |
| sk8ndive | $25.00 | $25.00 | 8/25/2009 8:27:26 AM |
| schnatty | $25.00 | $25.00 | 8/25/2009 7:02:13 AM |
| personal-lender | $25.00 | $25.00 | 8/25/2009 8:27:42 AM |
| irrelevant | $25.00 | $25.00 | 8/25/2009 9:43:16 AM |
| wampum-proton | $25.00 | $25.00 | 8/25/2009 11:17:16 AM |
| redbomb5 | $25.00 | $25.00 | 8/25/2009 12:17:37 PM |
| fareast_man | $25.00 | $25.00 | 8/25/2009 1:22:19 PM |
| NATIVEBORN | $25.00 | $25.00 | 8/25/2009 4:37:52 PM |
| rdecartus | $25.00 | $25.00 | 8/25/2009 4:40:57 PM |
| Spyder1 | $25.00 | $25.00 | 8/25/2009 11:02:18 PM |
| impasse1 | $25.00 | $25.00 | 8/25/2009 6:53:08 PM |
| xana-rocky | $25.00 | $25.00 | 8/26/2009 7:39:48 AM |
| compsciman | $50.00 | $50.00 | 8/26/2009 8:12:25 AM |
| whatknows | $25.00 | $25.00 | 8/26/2009 9:35:53 AM |
| karmanxten | $100.00 | $100.00 | 8/26/2009 5:21:44 PM |
| carmat60 | $25.00 | $25.00 | 8/27/2009 2:09:17 AM |
| 1traveler | $25.00 | $25.00 | 8/27/2009 12:46:52 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/27/2009 2:47:34 PM |
| SkinnyFish | $25.00 | $25.00 | 8/27/2009 6:17:56 PM |
| MSCG | $46.75 | $46.75 | 8/27/2009 5:44:20 PM |
| b2m80s | $25.00 | $25.00 | 8/27/2009 6:43:34 PM |
| arkleseizure | $25.00 | $25.00 | 8/27/2009 8:01:40 PM |
| Miklot | $75.00 | $75.00 | 8/28/2009 3:12:48 AM |
| Bobusa | $25.00 | $25.00 | 8/28/2009 5:26:50 AM |
| hektek22 | $300.00 | $300.00 | 8/27/2009 9:45:57 PM |
| spsavage | $25.00 | $25.00 | 8/28/2009 10:15:32 AM |
| DiegoSkYY | $25.00 | $25.00 | 8/28/2009 10:39:55 AM |
| caddy5662 | $25.00 | $25.00 | 8/28/2009 10:13:44 AM |
| JDFuego | $25.00 | $25.00 | 8/28/2009 11:38:05 AM |
| silvercertificate | $40.00 | $40.00 | 8/28/2009 2:07:34 PM |
| investment-cluster | $25.00 | $25.00 | 8/28/2009 12:31:30 PM |
| division177 | $25.00 | $25.00 | 8/28/2009 4:00:09 PM |
| twjh | $25.00 | $25.00 | 8/28/2009 1:48:15 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/28/2009 2:24:07 PM |
| delivery | $25.00 | $25.00 | 8/14/2009 4:02:36 PM |
| Mantis75 | $25.00 | $25.00 | 8/14/2009 4:02:25 PM |
| anton | $25.00 | $25.00 | 8/19/2009 3:13:51 PM |
| FeedTheMachine | $35.00 | $35.00 | 8/19/2009 3:13:18 PM |
| SNH | $25.00 | $25.00 | 8/19/2009 9:22:29 PM |
| willingnjc | $25.00 | $25.00 | 8/20/2009 1:14:38 PM |
| lagnisiruk | $25.00 | $25.00 | 8/21/2009 8:47:37 AM |
| Sateesh | $100.00 | $100.00 | 8/23/2009 7:27:40 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/23/2009 7:07:20 PM |
| decisive-capital | $50.00 | $50.00 | 8/24/2009 10:06:06 AM |
| Halos2002 | $25.00 | $25.00 | 8/24/2009 10:12:12 AM |
| natecam | $25.00 | $25.00 | 8/24/2009 10:22:43 AM |
| Artist_Blue | $25.00 | $25.00 | 8/24/2009 10:10:16 AM |
| skro | $25.00 | $25.00 | 8/24/2009 10:07:18 AM |
| gilbow | $25.00 | $25.00 | 8/24/2009 10:22:28 AM |
| zeelender | $25.00 | $25.00 | 8/24/2009 10:22:40 AM |
| brmar | $25.00 | $25.00 | 8/25/2009 8:27:32 AM |
| GElender | $25.00 | $25.00 | 8/25/2009 8:27:42 AM |
| mathprof | $25.00 | $25.00 | 8/25/2009 8:27:38 AM |
| punctual-worth | $25.00 | $25.00 | 8/25/2009 9:33:09 AM |
| blanchettec | $25.00 | $25.00 | 8/25/2009 7:42:40 AM |
| selfmademan | $25.00 | $25.00 | 8/25/2009 10:57:19 AM |
| mercuriant | $25.00 | $25.00 | 8/25/2009 11:32:34 AM |
| johnayan | $25.00 | $25.00 | 8/25/2009 12:47:38 PM |
| LAM26 | $25.00 | $25.00 | 8/25/2009 4:39:51 PM |
| greenwell | $25.00 | $25.00 | 8/25/2009 4:41:40 PM |
| Toby1montana | $50.00 | $50.00 | 8/25/2009 4:41:55 PM |
| jgar_O | $30.00 | $30.00 | 8/25/2009 4:35:48 PM |
| majorf2136 | $25.00 | $25.00 | 8/26/2009 6:42:26 AM |
| nick5454 | $25.00 | $25.00 | 8/26/2009 8:04:49 AM |
| another412 | $25.00 | $25.00 | 8/26/2009 2:37:22 AM |
| testobsessed | $100.00 | $66.68 | 8/26/2009 9:53:07 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/26/2009 1:46:51 PM |
| best-generosity-financier | $50.00 | $50.00 | 8/27/2009 12:27:53 AM |
| E-B | $59.00 | $59.00 | 8/27/2009 4:57:39 AM |
| Eagledrop | $25.00 | $25.00 | 8/27/2009 12:39:59 PM |
| oregonusa | $25.00 | $25.00 | 8/27/2009 2:57:46 PM |
| Leshan | $50.00 | $50.00 | 8/28/2009 7:19:35 AM |
| bitano | $50.00 | $50.00 | 8/28/2009 7:38:47 AM |
| Taho | $50.00 | $50.00 | 8/28/2009 7:41:50 AM |
| glazeddonuts | $25.00 | $25.00 | 8/27/2009 7:33:05 PM |
| coldfuzion | $40.00 | $40.00 | 8/28/2009 9:59:37 AM |
| Galdis | $25.00 | $25.00 | 8/28/2009 5:48:58 AM |
| medman | $125.00 | $125.00 | 8/28/2009 10:28:00 AM |
| glenium | $25.00 | $25.00 | 8/28/2009 7:48:20 AM |
| Ray3486 | $25.00 | $25.00 | 8/28/2009 7:02:31 AM |
| money-expert | $25.00 | $25.00 | 8/28/2009 8:32:04 AM |
| behicks | $63.49 | $63.49 | 8/28/2009 9:10:54 AM |
| credit-missile | $50.00 | $50.00 | 8/28/2009 10:39:08 AM |
| bondhedger | $25.00 | $25.00 | 8/28/2009 11:03:24 AM |
| Crom | $50.00 | $50.00 | 8/28/2009 12:09:47 PM |
| Isotope | $25.00 | $25.00 | 8/28/2009 11:26:35 AM |
| cemseller | $25.00 | $25.00 | 8/28/2009 12:28:20 PM |
| ryanhere | $33.08 | $33.08 | 8/28/2009 12:37:06 PM |
| Swinghi | $25.00 | $25.00 | 8/28/2009 12:50:03 PM |
| CliffordtheRed | $25.00 | $25.00 | 8/28/2009 1:56:28 PM |
| beans53 | $25.00 | $25.00 | 8/28/2009 12:32:18 PM |
| rockwild | $30.00 | $30.00 | 8/28/2009 2:50:08 PM |
| dlg | $26.00 | $26.00 | 8/28/2009 3:17:26 PM |
| Engineer44 | $30.00 | $30.00 | 8/28/2009 4:00:29 PM |
| 118 bids
|
Borrower Payment Dependent Notes Series
420601
This series of Notes was issued and sold upon the funding of the borrower loan #38342, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-14-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Aug-28-2009 |
|
|
Starting lender yield:
| 20.11% |
Starting borrower rate/APR:
| 21.11% / 24.92% |
Starting monthly payment:
| $37.73 |
|
Final lender yield:
| 11.00% |
Final borrower rate/APR:
| 12.00% / 15.61% |
Final monthly payment:
| $33.21 |
| |
|
Auction yield range:
| 8.23% - 20.11% |
Estimated loss impact:
| 6.73% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Sep-2002 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 640-660 (Aug-2009) |
Current / open credit lines:
| 7
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 9 | Length of status: | 0y 2m |
|
Amount delinquent:
| $53 |
Revolving credit balance:
| $8,679 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 85% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| SPickle |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
grad classes to get CPA license
Purpose of loan:
This loan will be used to pay for 12 graduate school credit hours required to obtain my CPA license.?
My financial situation:
I am a good candidate for this loan because I am very financially responsible, and have never been late on a loan payment.? My credit score is currently low (about 660) only because of the high balances on my cards- other than that I have a 7 year credit history with 0 late payments.? The deliquient amount is from a library book I took out and forgot to return- apparently that goes on your credit score.? And that was about 5 years ago, I believe.? I moved out-of-state about a year ago and started a new job, but when the economy tanked I was laid off, as one of the newest workers.? It took me about 2 months to find a new position, with a very stable company- as they were hiring in the midst of a recession.? Between the costs of moving across the country?and spending 2 months looking for work, my credit card debt racked up.? Aside from that, you'll see my credit history is perfect.? I am going back to school because I need 12 more credit hours of graduate education to obtain my CPA license.? I have been working as a public accountant for 4 years and have passed all of my CPA testing, so once I complete the credit hours in?December 2009 I will receive my professional license, along with a pay raise and even more job security.? I am single with no children, live in apartment, and don't own a car, so I?never have unexpected maintenance or upkeep costs arise.? I feel based on my perfect payment history, finance-based career, and low-cost lifestyle, I am a low-risk loan candidate.? I plan on paying the loan back over the full 3-year period, so you should receive your maximum interest.
Monthly net income: $ 3,624
Monthly expenses: $ 2,909
??Housing: $?1,525
??Insurance: $ 65
??Transportation expenses: $ 140
??Utilities: $ 45
??Phone, cable, internet: $ 130
??Food, entertainment: $?400
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 304
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is your contingent plan to pay back this loan if something happens such as the units are not completed or the current job is lost? Please answer publicly. - warew
A:
If the units are not completed that has no effect on paying back this loan. I'm already making more than enough money to cover $35/mo. If I lose my job my savings account is enough to live off of and continue to meet my debts for 3-4 months, or 6 months living frugally, and I doubt it would take me more than that to find a new job. I'd also like to point out my total tuition is $2500, so this $1K is the only new debt I'm taking on.
(Aug-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| golffish2 | $50.00 | $50.00 | 8/27/2009 4:15:29 AM |
| goodcents | $25.00 | $25.00 | 8/27/2009 7:24:54 PM |
| mobius_titan | $25.00 | $25.00 | 8/28/2009 4:03:25 AM |
| zxr | $25.00 | $25.00 | 8/28/2009 8:29:48 AM |
| Astyanax | $50.00 | $50.00 | 8/28/2009 7:52:23 AM |
| sikojos | $100.00 | $56.00 | 8/28/2009 5:30:33 AM |
| sugybutt | $25.00 | $25.00 | 8/28/2009 7:57:07 AM |
| maga | $100.00 | $100.00 | 8/28/2009 11:18:11 AM |
| d34dfish | $25.00 | $25.00 | 8/28/2009 11:04:03 AM |
| medman | $63.00 | $63.00 | 8/28/2009 11:52:55 AM |
| himanshuko | $25.00 | $25.00 | 8/28/2009 2:24:51 PM |
| Happyhourcomics | $25.00 | $25.00 | 8/28/2009 3:35:53 PM |
| payontime1 | $50.00 | $50.00 | 8/25/2009 7:31:37 PM |
| alydad1 | $25.00 | $25.00 | 8/27/2009 9:16:36 AM |
| beans53 | $50.00 | $50.00 | 8/27/2009 5:24:16 PM |
| Leshan | $50.00 | $50.00 | 8/28/2009 7:21:49 AM |
| maga | $25.00 | $25.00 | 8/27/2009 8:26:24 PM |
| smalltown_mn | $38.00 | $38.00 | 8/28/2009 10:49:26 AM |
| rockhound84 | $50.00 | $50.00 | 8/28/2009 10:57:54 AM |
| medman | $37.00 | $37.00 | 8/28/2009 11:54:48 AM |
| Crom | $25.00 | $25.00 | 8/28/2009 12:11:29 PM |
| Rancid | $31.00 | $31.00 | 8/28/2009 3:39:58 PM |
| orgy63 | $50.00 | $50.00 | 8/28/2009 3:44:57 PM |
| Aaron_Oz | $25.00 | $25.00 | 8/28/2009 12:54:25 PM |
| pattaya888 | $25.00 | $25.00 | 8/28/2009 11:51:56 AM |
| division177 | $25.00 | $25.00 | 8/28/2009 4:00:48 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
420959
This series of Notes was issued and sold upon the funding of the borrower loan #38345, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 25.0% |
Auction end date:
| Aug-27-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 17.23% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 3 |
First credit line:
| Nov-1982 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 640-660 (Aug-2009) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 76 | Length of status: | 23y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,254 |
Occupation: | Clergy |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 69% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 56 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| DoctorEr1 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 600-620
(Jul-2009)
640-660
(Apr-2009)
640-660
(Apr-2008)
580-600
(Sep-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Office UpGrade
Purpose of loan:
(explain what you will be using this loan for)
I need to purchase new computer equipment and office furniture.
My financial situation:
(explain why you are a good candidate for paying back this loan)
I had a loan with Prosper before and loan was paid in Full ahead of schedule.
Monthly net income: $
$3500
Monthly expenses: $
??Housing: $ 0??? I am?catholic priest do?not pay for any housing expneses....
??Insurance: $?0
??Car expenses: $ $6.000
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?400 Monthly
??Clothing, household expenses $ 0
??Credit cards and other loans: $?350.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Doesn't the church pay for your office? - MsTabbyKats
A:
No the computer eqipment and furniture I pay for so I can take with me
from parish to parish. Thank you for your question.
(Aug-17-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 8/18/2009 12:50:47 PM |
| aquistoyraul | $3,900.00 | $3,900.00 | 8/27/2009 8:32:07 AM |
| brother_tam | $50.00 | $50.00 | 8/19/2009 7:00:37 PM |
| aztocas | $25.00 | $25.00 | 8/20/2009 6:57:36 AM |
| 4 bids
|