Sales Report:Supplement No. 34 dated Sep 09, 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
420660
This series of Notes was issued and sold upon the funding of the borrower loan #38427, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 11.48% |
Starting borrower rate/APR:
| 12.48% / 14.62% |
Starting monthly payment:
| $334.44 |
|
Final lender yield:
| 11.48% |
Final borrower rate/APR:
| 12.48% / 14.62% |
Final monthly payment:
| $334.44 |
| |
|
Auction yield range:
| 3.18% - 11.48% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.97% | | |
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:
| Jun-1987 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 820-840 (Aug-2009) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 12y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $126,802 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 68% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| superchicken |
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:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 820-840 (Latest)
|
|
Principal borrowed:
| $20,000.00 | < mo. late:
| 0
( 0% )
| 880-900
(Apr-2007)
860-880
(Feb-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
ATM Business
Purpose of loan:
Operating cash for my ATM business.
Expanding my business.
My financial situation:
I take home about $4400 a month. I drive a company car. (full time job)
I make about $1400 (average) a month?on my ATM business. (before taxes)?
My monthly budget:
Mortgage/rent: $ 2200
Insurance: $ 200
Car expenses: $ 0
Utilities: $ 100
Phone, cable, internet: $100
Food, entertainment: $ 200
Clothing, household expenses $ 100
Credit cards and other loan payments: $ 0
Other expenses: $ 0
---------------------------------------
Total monthly expenses: $ 2900
My credit should say it all. Plan to pay it off in one or two years, but may go for the full three if something else comes up. I've had one loan before and paid it off early.
Thanks for checking my listing out.
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 are the 2 inquiries about? - mitchandre
A:
The only thing I can think of is I check my credit report about every three months?
(Aug-22-2009)
Q:
What exactly is your ATM business? - EscapeArtist
A:
I own 8 ATM machines. The same ATM's you might see in hotels and bars. I collect a fee for the cash dispensed from the machine. I'm buying an ATM route and will use this money to fill two of the machines. I'm investing 100,000 of my own money to fill the rest of the machines.
(Aug-26-2009)
Q:
why the high revolving credit balance? - loanshark207
A:
You need an average of 5000 to 7000 per ATM to load in the machine. I'm buying 16 ATM's. I have 9 right now. Im using my credit line to fill the machines.( home ) Income from the 9 is 1400. Income from the 16 is an average of 3700. The purchase will be 1720 payment per month for five years. Gives me over 3000 a month to pay credit line and prosper loan. Hope this answers your question. The credit balance is in the ATM's.
(Aug-28-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AVS | $25.00 | $25.00 | 8/17/2009 4:00:49 PM |
| KHU2-B | $25.00 | $25.00 | 8/17/2009 4:00:50 PM |
| prestatore16 | $25.00 | $25.00 | 8/17/2009 4:08:12 PM |
| Borrow2Grow | $51.00 | $51.00 | 8/17/2009 4:08:46 PM |
| YoungTaxMan | $25.00 | $25.00 | 8/17/2009 4:08:08 PM |
| loan_doctor | $25.00 | $25.00 | 8/17/2009 4:08:25 PM |
| greeninspirit | $25.00 | $25.00 | 8/17/2009 4:08:31 PM |
| investor_101 | $50.00 | $50.00 | 8/17/2009 4:10:34 PM |
| turbostar666 | $50.00 | $50.00 | 8/17/2009 4:11:26 PM |
| Syzygy | $25.00 | $25.00 | 8/17/2009 4:10:55 PM |
| totoro | $25.00 | $25.00 | 8/17/2009 4:15:29 PM |
| phaded | $25.00 | $25.00 | 8/17/2009 4:15:19 PM |
| CorporateT00l | $25.00 | $25.00 | 8/17/2009 4:16:10 PM |
| MidnightBank | $25.00 | $25.00 | 8/17/2009 4:17:32 PM |
| ExcellentGreen | $25.00 | $25.00 | 8/17/2009 6:35:34 PM |
| income-fortress | $50.00 | $50.00 | 8/18/2009 9:56:21 AM |
| vegibenz | $25.00 | $25.00 | 8/18/2009 9:45:13 AM |
| IceFisherman | $28.58 | $28.58 | 8/18/2009 2:16:26 PM |
| availableloan | $25.00 | $25.00 | 8/18/2009 6:55:36 PM |
| Halos2002 | $25.00 | $25.00 | 8/19/2009 9:39:39 AM |
| VelcroDog | $25.01 | $25.01 | 8/19/2009 10:47:29 AM |
| longisland47m | $25.00 | $25.00 | 8/20/2009 10:27:23 AM |
| blot44 | $50.00 | $50.00 | 8/20/2009 6:33:56 PM |
| calm-p2ploan | $25.00 | $25.00 | 8/20/2009 11:07:25 PM |
| albatross897 | $25.00 | $25.00 | 8/21/2009 4:37:58 PM |
| hellasow | $25.00 | $25.00 | 8/22/2009 11:59:31 AM |
| seattle | $25.00 | $25.00 | 8/24/2009 8:32:14 AM |
| CIC | $25.00 | $25.00 | 8/24/2009 10:21:49 AM |
| beakerfish | $45.70 | $45.70 | 8/24/2009 10:37:14 AM |
| ToweringDan | $50.00 | $50.00 | 8/24/2009 10:43:22 PM |
| Ven58 | $25.00 | $25.00 | 8/24/2009 5:52:20 PM |
| FecundFinancier | $25.00 | $25.00 | 8/25/2009 5:48:32 AM |
| zento | $25.00 | $25.00 | 8/25/2009 7:35:50 AM |
| PPLIN810 | $50.00 | $50.00 | 8/25/2009 12:46:58 PM |
| coin-lender77 | $25.00 | $25.00 | 8/25/2009 7:47:49 AM |
| the-owner | $25.00 | $25.00 | 8/25/2009 4:25:53 PM |
| unk1911 | $25.00 | $25.00 | 8/25/2009 10:22:25 PM |
| Fargo109 | $25.00 | $25.00 | 8/25/2009 4:43:02 PM |
| HonestGame22 | $100.00 | $100.00 | 8/25/2009 5:03:41 PM |
| EscapeArtist | $50.00 | $50.00 | 8/26/2009 10:21:17 AM |
| mlj0671 | $50.00 | $50.00 | 8/26/2009 8:33:33 AM |
| pacifictaxman | $88.75 | $88.75 | 8/26/2009 8:56:56 AM |
| plbquic | $25.00 | $25.00 | 8/26/2009 1:21:39 PM |
| Feyenoord | $25.00 | $25.00 | 8/26/2009 10:52:35 AM |
| LaSoCal | $25.00 | $25.00 | 8/26/2009 12:31:14 PM |
| Tiger86 | $25.00 | $25.00 | 8/26/2009 1:32:29 PM |
| mhammond | $50.00 | $50.00 | 8/26/2009 10:23:05 PM |
| pooldar | $25.00 | $25.00 | 8/26/2009 11:26:39 PM |
| JBA25 | $25.00 | $25.00 | 8/27/2009 7:06:38 AM |
| hotwired | $25.00 | $25.00 | 8/27/2009 3:02:40 AM |
| himanshuko | $50.00 | $50.00 | 8/27/2009 11:37:47 AM |
| axelducheck | $25.00 | $25.00 | 8/27/2009 11:44:21 AM |
| aislinnn | $25.00 | $25.00 | 8/27/2009 2:39:15 PM |
| richfield | $100.00 | $100.00 | 8/27/2009 9:48:57 PM |
| twjh | $25.00 | $25.00 | 8/27/2009 5:49:13 PM |
| MTGuy | $50.00 | $50.00 | 8/27/2009 6:47:39 PM |
| spencer14883 | $25.00 | $25.00 | 8/27/2009 6:55:10 PM |
| treeline | $50.00 | $50.00 | 8/28/2009 1:55:29 PM |
| Aaron_Oz | $25.00 | $25.00 | 8/28/2009 12:49:46 PM |
| mrxtravis | $25.00 | $25.00 | 8/28/2009 4:01:13 PM |
| OldestBrother | $50.00 | $50.00 | 8/28/2009 4:10:33 PM |
| loanshark207 | $26.81 | $26.81 | 8/28/2009 4:16:52 PM |
| ScottJ | $25.00 | $25.00 | 8/29/2009 11:16:03 AM |
| Heather11 | $50.00 | $50.00 | 8/29/2009 1:23:15 PM |
| evolsb | $25.00 | $25.00 | 8/30/2009 10:00:22 AM |
| rodaku | $50.00 | $50.00 | 8/30/2009 4:32:42 PM |
| Imaginos1892 | $250.00 | $250.00 | 8/30/2009 8:48:09 PM |
| Gaelicman | $100.00 | $100.00 | 8/30/2009 11:55:51 AM |
| oaktownadam | $150.00 | $150.00 | 8/30/2009 11:37:09 PM |
| Nasdaq | $100.00 | $100.00 | 8/31/2009 12:23:44 AM |
| MoneySaver75 | $25.00 | $25.00 | 8/30/2009 8:03:34 PM |
| rodaku | $50.00 | $50.00 | 8/30/2009 4:31:43 PM |
| JCMC | $25.00 | $25.00 | 8/30/2009 4:51:13 PM |
| minista | $25.00 | $25.00 | 8/31/2009 7:20:23 AM |
| jswanso2 | $25.00 | $25.00 | 8/31/2009 8:10:28 AM |
| EPInvestments | $25.00 | $25.00 | 8/31/2009 6:50:15 AM |
| IM-SHARKY | $1,000.00 | $1,000.00 | 8/31/2009 7:16:57 AM |
| ALL-PRIME | $25.00 | $25.00 | 8/31/2009 7:20:22 AM |
| adhawan325 | $44.77 | $44.77 | 8/31/2009 8:10:25 AM |
| Good_Karma_Cafe | $25.00 | $25.00 | 8/31/2009 9:46:23 AM |
| zerocrog | $25.00 | $25.00 | 8/31/2009 10:13:59 AM |
| YogaDude34 | $48.96 | $48.96 | 8/31/2009 9:00:17 AM |
| busybee999 | $25.00 | $25.00 | 8/31/2009 7:42:33 AM |
| CommerciaLender | $25.00 | $25.00 | 8/31/2009 7:46:03 AM |
| Washington_Loan | $25.00 | $25.00 | 8/31/2009 9:36:27 AM |
| njmlaj726 | $25.00 | $25.00 | 8/31/2009 8:34:46 AM |
| Lender50 | $25.00 | $25.00 | 8/31/2009 10:48:05 AM |
| hektek22 | $300.00 | $300.00 | 8/31/2009 12:25:06 PM |
| historyman | $25.00 | $25.00 | 8/31/2009 11:02:25 AM |
| UC3307 | $100.00 | $100.00 | 8/31/2009 11:15:42 AM |
| senior1 | $25.00 | $25.00 | 8/31/2009 1:55:45 PM |
| power-expert | $25.00 | $25.00 | 8/31/2009 10:57:54 AM |
| e3oM | $50.00 | $50.00 | 8/31/2009 1:15:57 PM |
| EmeritusX | $25.00 | $25.00 | 8/31/2009 1:45:24 PM |
| JCMC | $25.00 | $25.00 | 8/31/2009 3:38:05 PM |
| JJ-Loans | $100.00 | $100.00 | 8/31/2009 2:17:34 PM |
| gothampark | $50.00 | $50.00 | 8/31/2009 2:27:51 PM |
| GrayStudio | $48.41 | $48.41 | 8/31/2009 1:45:20 PM |
| kinetic-truth | $25.00 | $25.00 | 8/17/2009 4:01:02 PM |
| MonkeyPet | $25.00 | $25.00 | 8/17/2009 4:06:14 PM |
| greenback-floret | $25.00 | $25.00 | 8/17/2009 4:08:51 PM |
| 108lender | $75.00 | $75.00 | 8/17/2009 4:09:01 PM |
| Iwantahelp | $25.00 | $25.00 | 8/17/2009 4:09:08 PM |
| investorrr | $25.00 | $25.00 | 8/17/2009 4:11:42 PM |
| JKGseattle | $100.00 | $100.00 | 8/17/2009 4:11:20 PM |
| RSV | $25.00 | $25.00 | 8/17/2009 4:15:37 PM |
| a8h8a8 | $25.00 | $25.00 | 8/17/2009 4:14:54 PM |
| UESbank | $50.00 | $50.00 | 8/17/2009 4:17:18 PM |
| MoneyForNothing | $50.00 | $50.00 | 8/18/2009 6:49:14 AM |
| Theodon | $25.00 | $25.00 | 8/18/2009 10:21:15 AM |
| Quiz18 | $25.00 | $25.00 | 8/18/2009 3:15:35 PM |
| RedCentre | $100.00 | $100.00 | 8/18/2009 4:51:30 PM |
| BankOfShaun | $25.00 | $25.00 | 8/18/2009 4:55:06 PM |
| fortytwo | $42.58 | $42.58 | 8/19/2009 12:48:02 AM |
| kawakami | $25.00 | $25.00 | 8/19/2009 10:03:45 AM |
| here2lend | $25.00 | $25.00 | 8/19/2009 1:47:48 PM |
| SKAGIT22 | $25.00 | $25.00 | 8/19/2009 4:42:57 PM |
| greenback-octave | $25.00 | $25.00 | 8/19/2009 7:10:05 PM |
| BoughtTheFarm | $25.00 | $25.00 | 8/19/2009 9:03:41 PM |
| Gromac | $25.00 | $25.00 | 8/20/2009 2:05:01 PM |
| _SCI_ | $25.00 | $25.00 | 8/21/2009 6:02:44 AM |
| OCLend | $25.00 | $25.00 | 8/21/2009 4:14:22 PM |
| Guiren | $33.26 | $33.26 | 8/21/2009 4:58:22 PM |
| CallMeBen | $25.00 | $25.00 | 8/22/2009 7:27:21 PM |
| Palmetto | $40.00 | $40.00 | 8/23/2009 3:18:09 AM |
| scott2004114 | $50.00 | $50.00 | 8/23/2009 6:49:54 AM |
| fiscal65 | $25.00 | $25.00 | 8/24/2009 4:22:52 PM |
| BigMonkey | $25.00 | $25.00 | 8/24/2009 9:52:12 PM |
| bkb7484 | $25.00 | $25.00 | 8/25/2009 4:11:18 AM |
| TreesBumpsJumps17 | $25.00 | $25.00 | 8/25/2009 11:57:27 AM |
| SafeSaxa | $25.00 | $25.00 | 8/25/2009 4:23:21 PM |
| MasterKey | $25.00 | $25.00 | 8/25/2009 4:25:00 PM |
| nimble-revenue | $25.00 | $25.00 | 8/25/2009 4:26:16 PM |
| Dollars4Rent | $25.00 | $25.00 | 8/25/2009 12:47:48 PM |
| metholdingsllc | $25.00 | $25.00 | 8/25/2009 4:43:27 PM |
| rakey | $25.00 | $25.00 | 8/25/2009 4:23:46 PM |
| tdtacke13 | $25.00 | $25.00 | 8/25/2009 4:25:26 PM |
| zhiguli | $50.00 | $50.00 | 8/25/2009 4:40:29 PM |
| skeeter75 | $100.00 | $100.00 | 8/25/2009 6:19:21 PM |
| manugee | $50.00 | $50.00 | 8/25/2009 9:46:54 PM |
| mgcby | $50.00 | $50.00 | 8/26/2009 6:06:08 AM |
| tig08 | $50.00 | $50.00 | 8/26/2009 8:40:18 AM |
| PurplePonchoMan | $25.00 | $25.00 | 8/26/2009 9:48:15 AM |
| Ven58 | $25.00 | $25.00 | 8/26/2009 4:08:17 PM |
| spacedude123 | $100.00 | $100.00 | 8/26/2009 2:40:28 PM |
| wealthydc | $50.00 | $50.00 | 8/26/2009 4:34:47 PM |
| PalmTreeIsland | $50.00 | $50.00 | 8/26/2009 4:38:14 PM |
| ArtLends | $50.00 | $50.00 | 8/26/2009 4:49:39 PM |
| Okeey | $25.00 | $25.00 | 8/26/2009 5:12:28 PM |
| LarWit1512 | $25.00 | $25.00 | 8/26/2009 4:07:53 PM |
| ribrosu | $75.00 | $75.00 | 8/26/2009 4:09:47 PM |
| Algaes | $25.00 | $25.00 | 8/26/2009 5:12:26 PM |
| houli123 | $25.00 | $25.00 | 8/27/2009 1:07:15 AM |
| bouvierchamp | $35.61 | $35.61 | 8/27/2009 10:45:08 AM |
| nbhz60a | $25.00 | $25.00 | 8/27/2009 10:57:18 AM |
| yenom | $25.00 | $25.00 | 8/27/2009 2:47:42 PM |
| bomdel | $25.00 | $25.00 | 8/27/2009 3:10:29 PM |
| briggsy4 | $25.00 | $25.00 | 8/27/2009 4:46:42 PM |
| myduck | $100.00 | $77.79 | 8/27/2009 5:21:04 PM |
| gain-dolphin | $50.00 | $50.00 | 8/27/2009 7:41:43 PM |
| Dan12781 | $25.00 | $25.00 | 8/28/2009 6:03:02 AM |
| responsibility-butterfly | $25.00 | $25.00 | 8/28/2009 9:30:35 AM |
| ramsbladder | $25.00 | $25.00 | 8/28/2009 11:17:17 AM |
| OldProp | $50.00 | $50.00 | 8/28/2009 1:56:42 PM |
| niteflite | $26.77 | $26.77 | 8/28/2009 12:17:08 PM |
| msg500wave | $50.00 | $50.00 | 8/28/2009 12:05:35 PM |
| HRVRfunding | $25.00 | $25.00 | 8/28/2009 2:20:34 PM |
| clemclan | $75.00 | $75.00 | 8/28/2009 3:17:24 PM |
| able2help | $25.00 | $25.00 | 8/28/2009 1:01:51 PM |
| NorCalBanker09 | $25.00 | $25.00 | 8/29/2009 8:18:57 AM |
| mmczech76 | $25.00 | $25.00 | 8/28/2009 10:59:43 PM |
| suburbanman64 | $50.00 | $50.00 | 8/29/2009 3:40:22 AM |
| ballz694 | $50.00 | $50.00 | 8/29/2009 7:59:10 PM |
| JerryB96 | $25.00 | $25.00 | 8/29/2009 8:47:16 AM |
| Ryan13 | $40.00 | $40.00 | 8/29/2009 2:52:21 PM |
| louisprima | $25.00 | $25.00 | 8/30/2009 5:35:23 AM |
| ddh81 | $25.00 | $25.00 | 8/30/2009 5:55:30 AM |
| ladyonthebay | $25.00 | $25.00 | 8/29/2009 10:50:08 AM |
| quad | $100.00 | $100.00 | 8/29/2009 12:00:24 PM |
| Rockinroar | $40.00 | $40.00 | 8/30/2009 9:41:36 AM |
| maga | $129.00 | $129.00 | 8/30/2009 10:27:22 AM |
| mystss | $75.00 | $75.00 | 8/30/2009 3:36:09 PM |
| wilmajean | $50.00 | $50.00 | 8/30/2009 4:59:55 PM |
| socialinvestment | $25.00 | $25.00 | 8/31/2009 12:01:14 AM |
| Blind_Pig | $27.00 | $27.00 | 8/31/2009 5:29:39 AM |
| aurorafinancial | $100.00 | $100.00 | 8/31/2009 8:53:57 AM |
| world10000 | $500.00 | $500.00 | 8/31/2009 8:48:16 AM |
| top-radiant-funds | $300.00 | $300.00 | 8/31/2009 7:05:45 AM |
| a_andy | $25.00 | $25.00 | 8/31/2009 8:10:23 AM |
| brocilybeef | $25.00 | $25.00 | 8/31/2009 9:31:48 AM |
| jetblack | $50.00 | $50.00 | 8/31/2009 11:05:47 AM |
| nis240sx | $25.00 | $25.00 | 8/31/2009 2:18:29 PM |
| Hogan55 | $50.00 | $50.00 | 8/31/2009 1:44:22 PM |
| impartial-deal | $25.00 | $25.00 | 8/31/2009 12:52:50 PM |
| allloans4me | $50.00 | $50.00 | 8/31/2009 1:20:18 PM |
| yu-rik | $100.00 | $100.00 | 8/31/2009 3:41:46 PM |
| Gaelicman | $100.00 | $100.00 | 8/31/2009 2:21:18 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 3:56:07 PM |
| jdtrip03 | $100.00 | $100.00 | 8/31/2009 3:55:25 PM |
| 199 bids
|
Borrower Payment Dependent Notes Series
420718
This series of Notes was issued and sold upon the funding of the borrower loan #38392, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,100.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 26.43% |
Starting borrower rate/APR:
| 27.43% / 29.77% |
Starting monthly payment:
| $127.27 |
|
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $125.56 |
| |
|
Auction yield range:
| 11.18% - 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:
| 8 |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 680-700 (Aug-2009) |
Current / open credit lines:
| 3
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 3 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $607 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 30% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| one_god |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < mo. late:
| 0
( 0% )
| 700-720
(Sep-2008)
|
|
Principal balance:
| $4,975.44 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Buying a new Car
Purpose of loan:
This loan will be used towards buying a new more fuel efficient car.
My financial situation:
This is my second Prosper Loan; I have?made all payment on time for my current loan. I was able to get that loan with a B rating. I?m not sure why my new rating is showing D grade, my Credit is 700. I?m a trustworthy & honest guy; this loan will be used to buy a more fuel efficient car. Your help with this will be appreciated. I?m currently using ACH to make my payments on time. Thanks for your business.
.
Monthly net income: $ 2200 to 3000
Monthly expenses: $ 920
??Housing: $ 400 Rent
??Car expenses: $ 250
??Phone, cable, internet: $ 70
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
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) |
|
| mtp | $50.00 | $50.00 | 8/17/2009 4:08:21 PM |
| delivery | $25.00 | $25.00 | 8/17/2009 4:10:12 PM |
| seisen | $50.00 | $50.00 | 8/17/2009 7:20:55 PM |
| Kaj | $25.00 | $25.00 | 8/19/2009 7:48:47 AM |
| ChrisTJ | $25.00 | $25.00 | 8/20/2009 4:23:29 PM |
| willingnjc | $25.00 | $25.00 | 8/20/2009 4:28:32 PM |
| GMPK_TLAS | $25.00 | $25.00 | 8/22/2009 8:27:55 AM |
| lagnisiruk | $25.00 | $25.00 | 8/22/2009 10:07:50 AM |
| biobulator | $25.00 | $25.00 | 8/22/2009 9:57:42 PM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 10:11:58 AM |
| Georgetastic | $25.00 | $25.00 | 8/24/2009 10:12:32 AM |
| UCLA4life | $25.00 | $25.00 | 8/24/2009 10:27:32 AM |
| mercuriant | $25.00 | $25.00 | 8/24/2009 3:37:28 PM |
| Artist_Blue | $25.00 | $25.00 | 8/24/2009 10:23:59 AM |
| Halos2002 | $25.00 | $25.00 | 8/24/2009 10:24:28 AM |
| zento | $25.00 | $25.00 | 8/25/2009 9:37:27 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/26/2009 1:50:47 PM |
| SpEdRights | $25.00 | $25.00 | 8/27/2009 1:07:11 AM |
| jpf27 | $50.00 | $50.00 | 8/27/2009 11:00:01 AM |
| LibbyZ | $50.00 | $50.00 | 8/27/2009 6:42:19 PM |
| ajk_blue | $25.00 | $25.00 | 8/28/2009 6:32:28 AM |
| wowlender | $25.00 | $25.00 | 8/28/2009 7:26:37 AM |
| b2m80s | $25.00 | $25.00 | 8/28/2009 5:30:14 PM |
| LarWit1512 | $25.00 | $25.00 | 8/28/2009 5:21:12 PM |
| Leshan | $50.00 | $50.00 | 8/29/2009 6:24:12 AM |
| dorypro | $25.00 | $25.00 | 8/29/2009 1:28:05 AM |
| Galdis | $25.00 | $25.00 | 8/29/2009 11:00:59 PM |
| wodude | $25.00 | $25.00 | 8/29/2009 12:58:27 PM |
| tigercat | $50.00 | $50.00 | 8/30/2009 12:19:36 PM |
| Gaelicman | $148.00 | $148.00 | 8/30/2009 2:13:18 PM |
| bartenderpro | $25.00 | $25.00 | 8/30/2009 10:39:54 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/30/2009 10:53:49 AM |
| EEasyMoney | $25.00 | $25.00 | 8/30/2009 10:39:38 AM |
| Maetryx | $52.95 | $52.95 | 8/30/2009 1:31:40 PM |
| Bobusa | $25.00 | $25.00 | 8/31/2009 5:13:11 AM |
| wellsfrugal | $50.00 | $50.00 | 8/31/2009 1:40:04 AM |
| Taho | $50.00 | $50.00 | 8/31/2009 7:47:13 AM |
| moola-berserker | $25.00 | $25.00 | 8/31/2009 6:05:17 AM |
| kindness-jedi | $25.00 | $25.00 | 8/31/2009 8:47:06 AM |
| IceFisherman | $50.00 | $50.00 | 8/31/2009 8:11:23 AM |
| synboi | $301.95 | $301.95 | 8/31/2009 10:29:49 AM |
| jtoms101 | $25.00 | $25.00 | 8/31/2009 6:24:34 AM |
| DiegoSkYY | $25.00 | $25.00 | 8/31/2009 10:31:36 AM |
| jakestone4 | $50.00 | $50.00 | 8/31/2009 6:34:23 AM |
| money-expert | $25.00 | $25.00 | 8/31/2009 8:18:42 AM |
| Miklot | $100.00 | $100.00 | 8/31/2009 1:46:25 PM |
| punctual-worth | $25.00 | $25.00 | 8/31/2009 3:34:13 PM |
| secobarbital | $25.00 | $25.00 | 8/17/2009 4:09:18 PM |
| Mantis75 | $25.00 | $25.00 | 8/17/2009 4:09:28 PM |
| thedreamer | $25.00 | $25.00 | 8/17/2009 4:09:38 PM |
| FeedTheMachine | $74.42 | $74.42 | 8/19/2009 6:52:24 PM |
| anton | $25.00 | $25.00 | 8/20/2009 4:23:46 PM |
| Sateesh | $100.00 | $100.00 | 8/23/2009 7:27:41 AM |
| festivecpl | $25.00 | $25.00 | 8/23/2009 2:57:41 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/23/2009 7:07:22 PM |
| SNH | $25.00 | $25.00 | 8/24/2009 10:06:00 AM |
| fortytwo | $25.00 | $25.00 | 8/24/2009 10:09:42 AM |
| kmavm | $25.00 | $1.49 | 8/24/2009 2:27:28 PM |
| j-lender | $25.00 | $25.00 | 8/24/2009 10:22:06 AM |
| MicroPod | $25.00 | $25.00 | 8/24/2009 10:22:49 AM |
| jgar_O | $25.00 | $25.00 | 8/26/2009 1:05:02 PM |
| Credit2Prosper | $25.00 | $25.00 | 8/26/2009 11:35:25 PM |
| joeirps | $26.79 | $26.79 | 8/27/2009 9:36:06 AM |
| Gregger | $25.00 | $25.00 | 8/27/2009 11:09:00 AM |
| Thunder08 | $25.00 | $25.00 | 8/28/2009 10:06:14 AM |
| bondhedger | $25.00 | $25.00 | 8/28/2009 8:51:28 AM |
| lawyervon | $25.00 | $25.00 | 8/28/2009 7:28:24 AM |
| oregonusa | $25.00 | $25.00 | 8/28/2009 10:30:39 PM |
| sweety075 | $25.00 | $25.00 | 8/29/2009 12:48:52 PM |
| powerproject | $50.00 | $50.00 | 8/29/2009 1:18:54 AM |
| daekpon | $35.00 | $35.00 | 8/29/2009 3:13:32 PM |
| miim | $50.00 | $50.00 | 8/30/2009 7:45:19 AM |
| DackoDenk | $25.00 | $25.00 | 8/30/2009 7:54:01 PM |
| asian808 | $25.00 | $25.00 | 8/31/2009 4:36:45 AM |
| realtormoises | $25.00 | $25.00 | 8/31/2009 9:58:29 AM |
| umfan123 | $31.28 | $31.28 | 8/31/2009 7:03:06 AM |
| bitano | $50.00 | $50.00 | 8/31/2009 7:39:59 AM |
| glenium | $25.00 | $25.00 | 8/31/2009 9:36:18 AM |
| emitt3140 | $29.74 | $29.74 | 8/31/2009 8:45:46 AM |
| UC3307 | $60.00 | $60.00 | 8/31/2009 11:17:38 AM |
| radiant-value | $25.00 | $25.00 | 8/31/2009 12:31:48 PM |
| branaa99 | $38.38 | $38.38 | 8/31/2009 3:01:43 PM |
| MoneyForNothing | $50.00 | $50.00 | 8/31/2009 1:55:18 PM |
| 83 bids
|
Borrower Payment Dependent Notes Series
420974
This series of Notes was issued and sold upon the funding of the borrower loan #38447, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,500.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 11.38% |
Starting borrower rate/APR:
| 12.38% / 14.52% |
Starting monthly payment:
| $317.26 |
|
Final lender yield:
| 10.00% |
Final borrower rate/APR:
| 11.00% / 13.12% |
Final monthly payment:
| $311.02 |
| |
|
Auction yield range:
| 4.18% - 11.38% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 12 | Length of status: | 11y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $24,998 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 63% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| wise-adaptable-market |
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 my credit cards
Purpose of loan:
This loan will be used to?
To pay off my Discover and Bank of America card.? The interest is more then I want to pay and would like to get out of this debt.?
My financial situation:
I am a good candidate for this loan because?
I have been working for the same company for the past?12 years.? I have never defaulted on any loans.? I'm very determined to make sure all my bills?will be?paid on time.
Monthly income: $5,400
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) |
|
| don8ter | $60.00 | $60.00 | 8/17/2009 4:09:57 PM |
| honorable-yield | $50.00 | $50.00 | 8/17/2009 4:10:52 PM |
| DukSerduk | $25.00 | $25.00 | 8/17/2009 4:12:16 PM |
| skuba | $50.00 | $50.00 | 8/17/2009 4:12:55 PM |
| anton | $50.00 | $50.00 | 8/17/2009 4:45:56 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/19/2009 6:53:13 AM |
| ekmendenhall | $25.00 | $25.00 | 8/19/2009 6:53:15 AM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:48:29 AM |
| 888168 | $50.00 | $50.00 | 8/19/2009 7:22:19 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:51 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 6:57:33 PM |
| shanedog | $25.00 | $25.00 | 8/20/2009 6:57:41 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/20/2009 10:22:56 PM |
| mh1169 | $25.00 | $25.00 | 8/21/2009 12:37:25 PM |
| elasermd | $50.00 | $50.00 | 8/21/2009 7:27:43 PM |
| Jumping_Jedi | $25.00 | $25.00 | 8/21/2009 10:50:21 PM |
| Syzygy | $25.00 | $25.00 | 8/22/2009 9:44:30 AM |
| income-excellence1 | $25.00 | $25.00 | 8/22/2009 10:32:17 AM |
| JCMC | $25.00 | $25.00 | 8/23/2009 8:26:45 AM |
| TK4 | $25.00 | $25.00 | 8/23/2009 11:30:09 AM |
| jgar_O | $25.00 | $25.00 | 8/23/2009 12:02:34 PM |
| Avala | $25.00 | $25.00 | 8/23/2009 11:30:43 AM |
| grf1945 | $25.00 | $25.00 | 8/24/2009 8:17:39 AM |
| sparky1129 | $25.00 | $25.00 | 8/23/2009 10:57:36 PM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 9:33:31 AM |
| kenji4861 | $50.00 | $50.00 | 8/24/2009 10:57:14 PM |
| tallcoolone | $25.00 | $25.00 | 8/25/2009 7:14:00 AM |
| hobodave | $25.00 | $25.00 | 8/25/2009 3:18:24 PM |
| fostaman | $25.00 | $25.00 | 8/25/2009 2:42:29 PM |
| rjleves | $25.00 | $25.00 | 8/25/2009 5:16:50 PM |
| HymieG | $302.00 | $302.00 | 8/26/2009 3:20:06 AM |
| RussianPrincess | $100.00 | $100.00 | 8/26/2009 8:12:36 AM |
| KaiserRex | $25.00 | $25.00 | 8/26/2009 2:43:56 AM |
| Ellisdee | $50.00 | $50.00 | 8/26/2009 5:34:22 AM |
| jwood3030 | $25.00 | $25.00 | 8/26/2009 9:58:51 AM |
| meanone | $25.39 | $25.39 | 8/26/2009 7:49:01 AM |
| cowboyskier | $25.00 | $25.00 | 8/26/2009 9:28:58 AM |
| understanding-marketplace | $100.00 | $100.00 | 8/26/2009 9:32:47 AM |
| jct_enterprises | $25.00 | $25.00 | 8/26/2009 1:17:25 PM |
| JoeMB | $25.00 | $25.00 | 8/26/2009 11:55:51 AM |
| money-shaker | $25.00 | $25.00 | 8/26/2009 2:29:12 PM |
| GElender | $50.00 | $50.00 | 8/26/2009 5:30:59 PM |
| hope-eagle6 | $25.00 | $25.00 | 8/26/2009 5:31:09 PM |
| Jassi | $26.07 | $26.07 | 8/26/2009 4:09:28 PM |
| JJS180 | $25.00 | $25.00 | 8/26/2009 5:30:32 PM |
| outwish | $25.00 | $25.00 | 8/26/2009 10:33:17 PM |
| dlshap | $25.00 | $25.00 | 8/26/2009 6:07:12 PM |
| Searlzy | $25.00 | $25.00 | 8/26/2009 6:07:21 PM |
| fdsguy | $50.00 | $50.00 | 8/27/2009 1:08:56 AM |
| heihei | $25.00 | $25.00 | 8/26/2009 11:50:05 PM |
| mrzz | $25.00 | $25.00 | 8/27/2009 1:08:46 AM |
| eyewillfindu | $25.00 | $25.00 | 8/27/2009 9:36:25 AM |
| Warbler | $25.00 | $25.00 | 8/27/2009 9:37:51 AM |
| GenerousGentleMan | $25.00 | $25.00 | 8/27/2009 10:30:38 AM |
| djs81 | $25.00 | $25.00 | 8/27/2009 10:12:37 AM |
| gilbow | $25.00 | $25.00 | 8/27/2009 2:01:43 PM |
| fair_rates | $25.00 | $25.00 | 8/27/2009 10:53:18 AM |
| majormoves1 | $25.00 | $25.00 | 8/27/2009 2:58:05 PM |
| gm93001 | $25.00 | $25.00 | 8/27/2009 12:17:18 PM |
| szetheli | $50.00 | $50.00 | 8/27/2009 4:05:08 PM |
| ebusinessagent | $25.00 | $25.00 | 8/27/2009 1:07:18 PM |
| sh71 | $25.00 | $25.00 | 8/27/2009 2:08:08 PM |
| BONSAY | $25.00 | $25.00 | 8/27/2009 2:38:07 PM |
| Supp0rter | $37.98 | $37.98 | 8/27/2009 2:57:43 PM |
| cheng | $25.00 | $25.00 | 8/27/2009 4:05:22 PM |
| Sealion | $50.00 | $50.00 | 8/27/2009 5:09:23 PM |
| order-prospector | $100.00 | $100.00 | 8/27/2009 5:22:24 PM |
| Coach2often | $50.00 | $50.00 | 8/27/2009 5:47:23 PM |
| Railbird | $25.00 | $25.00 | 8/28/2009 6:55:17 AM |
| gogmagog | $50.00 | $50.00 | 8/28/2009 5:53:55 AM |
| CoolHelp | $25.00 | $25.00 | 8/27/2009 10:17:39 PM |
| Shockem923 | $25.00 | $25.00 | 8/28/2009 9:32:49 AM |
| icefish | $50.00 | $50.00 | 8/28/2009 11:38:56 AM |
| Zoomie | $25.00 | $25.00 | 8/28/2009 11:33:52 AM |
| BoutYeBank | $25.00 | $25.00 | 8/28/2009 1:32:31 PM |
| shopzone | $25.00 | $25.00 | 8/28/2009 2:31:50 PM |
| slartibardfast | $30.00 | $30.00 | 8/28/2009 3:17:39 PM |
| jetblack | $50.00 | $50.00 | 8/28/2009 12:29:01 PM |
| Patter256 | $25.00 | $25.00 | 8/28/2009 1:32:09 PM |
| mizount | $25.00 | $25.00 | 8/28/2009 12:26:25 PM |
| Landselott | $25.00 | $25.00 | 8/28/2009 1:35:17 PM |
| kayakg | $25.00 | $25.00 | 8/28/2009 4:39:21 PM |
| Kelor99 | $25.00 | $25.00 | 8/28/2009 5:03:40 PM |
| paddatjie | $25.00 | $25.00 | 8/28/2009 6:00:58 PM |
| Theboof | $25.00 | $25.00 | 8/29/2009 6:20:17 AM |
| Boxhead | $25.00 | $25.00 | 8/28/2009 10:50:41 PM |
| loanman2007 | $50.00 | $50.00 | 8/29/2009 12:22:37 PM |
| windfall46 | $25.00 | $25.00 | 8/29/2009 6:15:25 AM |
| reefer | $50.00 | $50.00 | 8/29/2009 9:05:30 AM |
| keyfig | $25.00 | $25.00 | 8/29/2009 4:25:40 PM |
| BayShell | $40.00 | $40.00 | 8/29/2009 11:00:19 AM |
| bruin558 | $25.00 | $25.00 | 8/30/2009 7:12:30 PM |
| aajwm | $50.00 | $50.00 | 8/30/2009 5:20:14 PM |
| ultimatepaintball | $25.00 | $25.00 | 8/30/2009 3:04:34 PM |
| slick8812 | $25.00 | $25.00 | 8/31/2009 3:42:14 AM |
| newfoundation | $25.00 | $25.00 | 8/31/2009 8:16:36 AM |
| redrose1518 | $35.00 | $35.00 | 8/31/2009 7:27:53 AM |
| virtualbank | $25.00 | $25.00 | 8/31/2009 8:15:54 AM |
| beer234 | $51.66 | $51.66 | 8/31/2009 5:57:38 AM |
| impartial-deal | $25.00 | $25.00 | 8/31/2009 10:46:00 AM |
| axelducheck | $25.00 | $25.00 | 8/31/2009 7:46:01 AM |
| jt88 | $25.00 | $25.00 | 8/31/2009 11:05:22 AM |
| eggzie | $25.00 | $25.00 | 8/31/2009 11:05:34 AM |
| unbeatable-wealth | $25.00 | $25.00 | 8/31/2009 11:27:28 AM |
| AJSinvest | $25.00 | $25.00 | 8/31/2009 10:42:06 AM |
| authoritative-interest | $25.00 | $25.00 | 8/31/2009 9:30:47 AM |
| ADenny | $25.00 | $25.00 | 8/31/2009 10:49:37 AM |
| ratzlefrss | $50.00 | $50.00 | 8/31/2009 10:32:42 AM |
| UC3307 | $90.00 | $90.00 | 8/31/2009 11:38:45 AM |
| laststrawman | $25.00 | $25.00 | 8/31/2009 12:02:01 PM |
| superchicken | $25.00 | $25.00 | 8/31/2009 11:26:20 AM |
| andycheb | $26.76 | $26.76 | 8/31/2009 2:16:31 PM |
| gothampark | $25.00 | $25.00 | 8/31/2009 2:31:57 PM |
| yu-rik | $100.00 | $100.00 | 8/31/2009 3:49:32 PM |
| Loan_Stranger | $50.00 | $50.00 | 8/31/2009 4:04:45 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/17/2009 4:10:29 PM |
| Sid-K | $50.00 | $50.00 | 8/17/2009 4:12:03 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/17/2009 4:13:08 PM |
| bchen78875 | $50.00 | $50.00 | 8/17/2009 4:13:38 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/19/2009 6:53:22 AM |
| Artist_Blue | $25.00 | $25.00 | 8/19/2009 8:12:14 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:25 AM |
| MrXcel | $40.05 | $40.05 | 8/19/2009 11:11:36 AM |
| MidnightBank | $25.00 | $25.00 | 8/19/2009 4:43:19 PM |
| mathprof | $25.00 | $25.00 | 8/19/2009 6:22:37 PM |
| thedoctor | $25.00 | $25.00 | 8/19/2009 10:47:21 PM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:47 AM |
| Halos2002 | $50.00 | $50.00 | 8/20/2009 9:52:30 PM |
| PotBellyPete | $25.00 | $25.00 | 8/21/2009 7:11:44 AM |
| gold-blanket | $1,000.00 | $151.05 | 8/21/2009 10:50:53 AM |
| Goodlender42 | $25.00 | $25.00 | 8/21/2009 9:30:28 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:33:05 AM |
| seasportsguy | $25.00 | $25.00 | 8/21/2009 4:06:38 PM |
| abuyama22 | $25.00 | $25.00 | 8/21/2009 4:25:45 PM |
| elated-justice | $25.00 | $25.00 | 8/21/2009 4:40:42 PM |
| lowestghost | $25.00 | $25.00 | 8/22/2009 6:52:19 AM |
| BigBoy2008 | $25.00 | $25.00 | 8/22/2009 4:43:36 PM |
| cyberie21 | $40.00 | $40.00 | 8/23/2009 11:30:04 AM |
| Cherrypicker06 | $25.00 | $25.00 | 8/24/2009 9:37:46 AM |
| DrStaff | $60.00 | $60.00 | 8/24/2009 7:33:11 AM |
| fortytwo | $50.00 | $50.00 | 8/24/2009 9:52:51 AM |
| bowdish1 | $26.69 | $26.69 | 8/24/2009 4:27:34 PM |
| totoro | $25.00 | $25.00 | 8/25/2009 7:13:58 AM |
| ProfPC | $25.00 | $25.00 | 8/25/2009 4:33:26 AM |
| ClearLake | $25.00 | $25.00 | 8/25/2009 7:13:13 AM |
| lagnisiruk | $25.00 | $25.00 | 8/25/2009 11:37:48 AM |
| market-assembler | $25.00 | $25.00 | 8/25/2009 3:22:13 PM |
| ChristopherHS | $25.00 | $25.00 | 8/25/2009 3:12:13 PM |
| wealth-mogul534 | $25.00 | $25.00 | 8/25/2009 6:10:53 PM |
| DavidM | $34.64 | $34.64 | 8/26/2009 8:28:31 AM |
| Spyder1 | $25.00 | $25.00 | 8/26/2009 12:29:52 AM |
| TheGoodSamaritan | $25.00 | $25.00 | 8/26/2009 9:36:58 AM |
| testobsessed | $100.00 | $100.00 | 8/26/2009 9:53:31 AM |
| a-fund-paradise | $25.00 | $25.00 | 8/26/2009 7:22:16 AM |
| nick5454 | $50.00 | $50.00 | 8/26/2009 8:07:28 AM |
| nicklds | $25.00 | $25.00 | 8/26/2009 9:18:28 AM |
| kyomoon | $26.18 | $26.18 | 8/26/2009 2:53:29 PM |
| js60l | $25.00 | $25.00 | 8/26/2009 3:12:22 PM |
| aesop | $25.00 | $25.00 | 8/26/2009 5:26:25 PM |
| krishopper | $25.00 | $25.00 | 8/26/2009 5:28:26 PM |
| YogaDude34 | $46.22 | $46.22 | 8/26/2009 4:53:38 PM |
| truth-companion | $25.00 | $25.00 | 8/26/2009 5:12:24 PM |
| tayzak | $25.00 | $25.00 | 8/26/2009 6:12:19 PM |
| woodenshoes | $32.71 | $32.71 | 8/26/2009 6:07:10 PM |
| red-sublime-return | $25.00 | $25.00 | 8/27/2009 1:09:15 AM |
| willingnjc | $25.00 | $25.00 | 8/27/2009 9:07:14 AM |
| Turkish101 | $25.00 | $25.00 | 8/27/2009 2:17:21 AM |
| wormdc | $25.00 | $25.00 | 8/27/2009 10:47:15 AM |
| yield-blanket | $25.00 | $25.00 | 8/27/2009 9:34:17 AM |
| gold-tsunami | $25.00 | $25.00 | 8/27/2009 10:37:25 AM |
| LuckySF | $50.00 | $50.00 | 8/27/2009 10:38:38 AM |
| Sixmil | $25.00 | $25.00 | 8/27/2009 11:34:23 AM |
| deal-mover | $25.00 | $25.00 | 8/27/2009 11:37:34 AM |
| trucklawyer | $25.00 | $25.00 | 8/27/2009 2:47:31 PM |
| Sam65 | $25.00 | $25.00 | 8/27/2009 2:08:10 PM |
| Wart126 | $25.00 | $25.00 | 8/27/2009 3:17:42 PM |
| OLYVRC | $25.00 | $25.00 | 8/27/2009 4:46:17 PM |
| Raptorman | $25.00 | $25.00 | 8/27/2009 7:37:16 PM |
| outofoffice | $50.00 | $50.00 | 8/27/2009 9:19:47 PM |
| DaveTheWave | $250.00 | $250.00 | 8/28/2009 10:23:48 AM |
| fastcar750 | $43.08 | $43.08 | 8/28/2009 11:02:16 AM |
| albatross897 | $25.00 | $25.00 | 8/28/2009 7:35:39 AM |
| Guerrilla_Man | $25.00 | $25.00 | 8/28/2009 7:41:55 AM |
| lowrate | $25.00 | $25.00 | 8/28/2009 11:54:23 AM |
| slowpig | $25.00 | $25.00 | 8/28/2009 2:22:06 PM |
| Raetha | $25.00 | $25.00 | 8/28/2009 11:31:31 AM |
| zbfamwl | $25.00 | $25.00 | 8/28/2009 11:55:23 AM |
| gethsemane4 | $25.00 | $25.00 | 8/28/2009 12:02:01 PM |
| eyal0 | $25.00 | $25.00 | 8/28/2009 12:05:03 PM |
| TH99 | $25.00 | $25.00 | 8/28/2009 1:01:58 PM |
| gdbanks | $25.00 | $25.00 | 8/28/2009 1:34:37 PM |
| AndersenWatcher | $25.00 | $25.00 | 8/28/2009 9:05:54 PM |
| Patrician | $25.00 | $25.00 | 8/28/2009 4:45:41 PM |
| blackstar | $25.00 | $25.00 | 8/29/2009 5:15:31 AM |
| rulender | $50.00 | $50.00 | 8/29/2009 6:11:04 AM |
| sisepuede | $25.00 | $25.00 | 8/29/2009 6:15:21 AM |
| XD2005 | $25.00 | $25.00 | 8/29/2009 9:01:47 AM |
| puifais | $25.00 | $25.00 | 8/28/2009 6:30:52 PM |
| brstern2 | $25.00 | $25.00 | 8/29/2009 1:15:17 AM |
| Veloce | $25.00 | $25.00 | 8/29/2009 1:50:16 PM |
| fotep-financial | $25.00 | $25.00 | 8/29/2009 6:11:06 AM |
| JerryB96 | $25.00 | $25.00 | 8/29/2009 9:02:50 AM |
| lostontheedge | $25.00 | $25.00 | 8/30/2009 5:10:31 AM |
| Gabriel02 | $25.00 | $25.00 | 8/30/2009 5:31:25 AM |
| naniamo | $25.00 | $25.00 | 8/30/2009 12:35:19 PM |
| hampa | $25.00 | $25.00 | 8/30/2009 8:26:32 AM |
| five-star-justice | $36.00 | $36.00 | 8/30/2009 3:30:23 PM |
| NATIVEBORN | $40.82 | $40.82 | 8/30/2009 7:20:20 AM |
| PaulW | $25.00 | $25.00 | 8/30/2009 6:50:17 PM |
| droryikra | $25.00 | $25.00 | 8/30/2009 8:41:21 AM |
| All_Wins | $25.00 | $25.00 | 8/30/2009 10:55:23 AM |
| velocity-turtle | $25.00 | $25.00 | 8/30/2009 11:30:26 AM |
| USCGC | $25.00 | $25.00 | 8/30/2009 12:15:45 PM |
| rlecour | $50.00 | $50.00 | 8/30/2009 6:00:27 PM |
| oldman68 | $25.00 | $25.00 | 8/30/2009 11:01:36 PM |
| KiwiElf | $46.56 | $46.56 | 8/31/2009 2:25:31 AM |
| BklynLender | $25.00 | $25.00 | 8/30/2009 7:45:34 PM |
| sharp518 | $25.00 | $25.00 | 8/31/2009 4:33:54 AM |
| perlindc | $25.00 | $25.00 | 8/31/2009 5:20:36 AM |
| cingular | $25.00 | $25.00 | 8/30/2009 5:00:46 PM |
| mlj0671 | $100.00 | $100.00 | 8/31/2009 5:25:05 AM |
| LenderIntegrity24 | $25.00 | $25.00 | 8/30/2009 7:55:21 PM |
| robertmm25 | $120.00 | $120.00 | 8/31/2009 6:58:50 AM |
| thesupplier | $25.00 | $25.00 | 8/31/2009 9:30:28 AM |
| freedom3 | $1,000.00 | $1,000.00 | 8/31/2009 12:06:19 AM |
| mwl | $31.14 | $31.14 | 8/31/2009 5:20:32 AM |
| mlj0671 | $50.00 | $50.00 | 8/31/2009 5:23:00 AM |
| Hokiemon | $25.00 | $25.00 | 8/31/2009 8:11:41 AM |
| the-greenback-cheetah | $25.00 | $25.00 | 8/31/2009 9:30:39 AM |
| Cai8899 | $25.00 | $25.00 | 8/31/2009 9:31:13 AM |
| Rustang | $50.00 | $50.00 | 8/31/2009 1:26:21 PM |
| reueljw | $25.00 | $25.00 | 8/31/2009 10:34:40 AM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 10:36:06 AM |
| museic1 | $50.00 | $50.00 | 8/31/2009 10:45:29 AM |
| payout-magician | $25.00 | $25.00 | 8/31/2009 1:39:16 PM |
| nimcha | $50.00 | $50.00 | 8/31/2009 3:37:34 PM |
| treeline | $50.00 | $50.00 | 8/31/2009 3:59:13 PM |
| 237 bids
|
Borrower Payment Dependent Notes Series
421018
This series of Notes was issued and sold upon the funding of the borrower loan #38398, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-18-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 30.28% |
Starting borrower rate/APR:
| 31.28% / 33.68% |
Starting monthly payment:
| $215.78 |
|
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $202.52 |
| |
|
Auction yield range:
| 11.18% - 30.28% |
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:
| 6 |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 25 | Length of status: | 12y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,005 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 82% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| evmeta |
Borrower's state:
| Georgia |
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:
| 13 ( 100% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(Jun-2008)
700-720
(Apr-2008)
|
|
Principal balance:
| $1,355.41 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Patent For Invention
Purpose of loan:
This loan will be for the patent of a great product that I have invented.
My financial situation:
I
am a good candidate for this loan because I pay my bills on time
and if someone borrowed money from me I would want them to do the same.
Monthly net income: $ 3092
Monthly expenses: $ 2506
??Housing: $
2141
??Insurance: paid for year
??Car expenses: $ 65 prosper loan
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $
0
??Clothing, household expenses $
0
??Credit cards and other loans: $ 300
??Other expenses: $
0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| secobarbital | $25.00 | $25.00 | 8/18/2009 4:14:21 PM |
| thedreamer | $25.00 | $25.00 | 8/18/2009 4:14:26 PM |
| delivery | $25.00 | $25.00 | 8/18/2009 4:14:32 PM |
| Mantis75 | $25.00 | $25.00 | 8/18/2009 4:16:08 PM |
| magnetic-duty | $25.00 | $25.00 | 8/19/2009 11:25:05 AM |
| GMPK_TLAS | $25.00 | $25.00 | 8/22/2009 8:27:58 AM |
| SNH | $25.00 | $25.00 | 8/24/2009 10:22:55 AM |
| willingnjc | $25.00 | $25.00 | 8/24/2009 10:23:04 AM |
| anton | $25.00 | $25.00 | 8/24/2009 10:22:57 AM |
| fortytwo | $25.00 | $25.00 | 8/25/2009 7:33:52 AM |
| biobulator | $25.00 | $25.00 | 8/25/2009 4:42:28 PM |
| rmachi | $25.00 | $25.00 | 8/27/2009 7:17:15 AM |
| dinero-mason | $50.00 | $50.00 | 8/27/2009 6:12:28 AM |
| jpf27 | $50.00 | $50.00 | 8/27/2009 10:57:48 AM |
| skro | $25.00 | $25.00 | 8/27/2009 11:09:31 AM |
| personal-lender | $25.00 | $25.00 | 8/27/2009 2:23:12 PM |
| natecam | $25.00 | $25.00 | 8/27/2009 5:16:21 PM |
| smart-money | $25.00 | $25.00 | 8/28/2009 4:59:54 AM |
| lib5836 | $25.00 | $25.00 | 8/27/2009 9:47:55 PM |
| mmrothsc | $50.00 | $50.00 | 8/27/2009 7:58:33 PM |
| ChrisKwan | $25.00 | $25.00 | 8/28/2009 6:50:52 AM |
| jdc10128 | $25.00 | $25.00 | 8/28/2009 1:50:24 PM |
| yarg | $25.00 | $25.00 | 8/28/2009 2:33:24 PM |
| LAM26 | $25.00 | $25.00 | 8/28/2009 3:26:00 PM |
| Fernpatch_autoshop | $25.00 | $25.00 | 8/28/2009 5:37:55 PM |
| loan-master996 | $50.00 | $50.00 | 8/28/2009 5:38:05 PM |
| Credit2Prosper | $25.00 | $25.00 | 8/28/2009 5:38:13 PM |
| dough-bear | $50.00 | $50.00 | 8/28/2009 5:35:55 PM |
| johnayan | $25.00 | $25.00 | 8/28/2009 5:36:22 PM |
| schnatty | $25.00 | $25.00 | 8/28/2009 5:36:48 PM |
| NoMoreDebt4Me | $25.00 | $25.00 | 8/28/2009 5:37:44 PM |
| Gross_Income | $50.00 | $50.00 | 8/28/2009 5:37:51 PM |
| Slowtype | $45.29 | $45.29 | 8/28/2009 5:38:11 PM |
| compsciman | $50.00 | $50.00 | 8/28/2009 5:36:11 PM |
| puifais | $25.00 | $25.00 | 8/28/2009 5:37:47 PM |
| scott1058 | $50.00 | $50.00 | 8/28/2009 5:37:53 PM |
| gizzywump | $25.00 | $25.00 | 8/28/2009 5:38:10 PM |
| showmestatekid | $25.00 | $25.00 | 8/28/2009 5:38:42 PM |
| hektek22 | $300.00 | $300.00 | 8/28/2009 9:48:48 PM |
| mercuriant | $25.00 | $25.00 | 8/30/2009 5:10:28 AM |
| LarryNY | $25.00 | $25.00 | 8/30/2009 7:16:48 AM |
| thoughtful-investment045 | $25.00 | $25.00 | 8/30/2009 8:52:50 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/30/2009 10:51:41 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/30/2009 10:42:29 PM |
| PropertyInvest | $25.00 | $25.00 | 8/30/2009 4:45:45 PM |
| inforapenny | $25.00 | $25.00 | 8/31/2009 8:02:04 AM |
| courageous-contract | $25.00 | $25.00 | 8/31/2009 4:35:19 PM |
| brother_tam | $50.00 | $50.00 | 8/31/2009 6:25:10 PM |
| liquorman | $25.63 | $25.63 | 8/31/2009 7:53:14 PM |
| photo999 | $25.00 | $25.00 | 9/1/2009 4:49:59 AM |
| Bobusa | $25.00 | $25.00 | 9/1/2009 4:52:02 AM |
| MoneyForNothing | $25.00 | $25.00 | 9/1/2009 6:40:47 AM |
| gm93001 | $100.00 | $100.00 | 9/1/2009 8:55:20 AM |
| Leshan | $73.73 | $73.73 | 9/1/2009 7:24:36 AM |
| Asset-Builder | $40.00 | $40.00 | 9/1/2009 8:13:34 AM |
| MoneyForNothing | $25.00 | $25.00 | 9/1/2009 6:41:18 AM |
| radiant-value | $25.00 | $25.00 | 9/1/2009 12:40:00 PM |
| FarmersBank | $25.00 | $25.00 | 9/1/2009 1:32:59 PM |
| dorypro | $25.00 | $25.00 | 9/1/2009 11:25:31 AM |
| maga | $50.00 | $50.00 | 9/1/2009 10:49:17 AM |
| yu-rik | $100.00 | $100.00 | 9/1/2009 3:25:35 PM |
| dawson01 | $25.00 | $25.00 | 9/1/2009 1:09:40 PM |
| redcarp77 | $65.01 | $65.01 | 9/1/2009 1:13:33 PM |
| DMKAssetManagement | $50.00 | $50.00 | 9/1/2009 2:42:37 PM |
| Engineer44 | $35.00 | $35.00 | 9/1/2009 4:11:49 PM |
| wbp | $25.00 | $25.00 | 9/1/2009 3:52:24 PM |
| Kaj | $25.00 | $25.00 | 8/19/2009 7:48:51 AM |
| seisen | $36.31 | $36.31 | 8/19/2009 7:33:25 PM |
| Sateesh | $100.00 | $100.00 | 8/23/2009 7:27:46 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/23/2009 7:07:28 PM |
| JohnSmallberries | $25.00 | $25.00 | 8/24/2009 10:21:25 AM |
| ChrisTJ | $25.00 | $25.00 | 8/24/2009 10:22:23 AM |
| FeedTheMachine | $150.00 | $150.00 | 8/24/2009 10:06:16 AM |
| lagnisiruk | $25.00 | $25.00 | 8/24/2009 10:12:28 AM |
| kmavm | $25.00 | $25.00 | 8/24/2009 2:27:36 PM |
| impressive-loan | $25.00 | $25.00 | 8/24/2009 3:22:44 PM |
| zento | $25.00 | $25.00 | 8/25/2009 9:37:32 AM |
| punctual-worth | $25.00 | $25.00 | 8/25/2009 9:33:19 AM |
| impasse1 | $25.00 | $25.00 | 8/25/2009 6:55:44 PM |
| testobsessed | $100.00 | $100.00 | 8/26/2009 9:53:17 AM |
| Artist_Blue | $25.00 | $25.00 | 8/26/2009 11:34:56 PM |
| goofy15975 | $25.00 | $25.00 | 8/27/2009 6:17:39 AM |
| KiwiElf | $50.00 | $50.00 | 8/27/2009 11:37:20 AM |
| j-lender | $25.00 | $25.00 | 8/27/2009 5:13:12 PM |
| MicroPod | $25.00 | $25.00 | 8/27/2009 5:13:14 PM |
| mwl | $25.00 | $25.00 | 8/28/2009 11:31:43 AM |
| sk8ndive | $25.00 | $25.00 | 8/28/2009 11:46:48 AM |
| lending_pugs | $25.00 | $25.00 | 8/28/2009 11:52:31 AM |
| SpareChangeHero | $25.00 | $25.00 | 8/28/2009 2:05:46 PM |
| CarDealer3070 | $30.00 | $30.00 | 8/28/2009 12:57:37 PM |
| selfmademan | $25.00 | $25.00 | 8/28/2009 1:20:17 PM |
| lending-bear | $25.00 | $25.00 | 8/28/2009 12:39:07 PM |
| jgar_O | $25.00 | $25.00 | 8/28/2009 1:18:51 PM |
| Cre8iveCash | $25.00 | $25.00 | 8/28/2009 5:35:15 PM |
| xyzlmno | $25.00 | $25.00 | 8/28/2009 5:37:46 PM |
| ouyangers | $25.00 | $25.00 | 8/28/2009 5:37:52 PM |
| maverickfella | $25.00 | $25.00 | 8/28/2009 5:37:59 PM |
| redbomb5 | $25.00 | $25.00 | 8/28/2009 5:38:38 PM |
| upc_tnt | $25.00 | $25.00 | 8/28/2009 5:38:41 PM |
| econman1 | $25.00 | $14.80 | 8/28/2009 5:38:44 PM |
| pfenness | $60.00 | $60.00 | 8/28/2009 5:37:54 PM |
| bulabula | $25.00 | $25.00 | 8/28/2009 5:38:01 PM |
| decisive-capital | $30.00 | $30.00 | 8/28/2009 5:33:58 PM |
| majorf2136 | $25.00 | $25.00 | 8/28/2009 5:36:10 PM |
| catomaior | $25.00 | $25.00 | 8/28/2009 5:37:40 PM |
| ctgscott | $25.00 | $25.00 | 8/28/2009 5:37:43 PM |
| LBOregon | $25.00 | $25.00 | 8/28/2009 5:37:56 PM |
| wampum-proton | $25.00 | $25.00 | 8/28/2009 5:38:08 PM |
| boybutter | $25.00 | $25.00 | 8/28/2009 5:38:17 PM |
| slojudy | $25.00 | $25.00 | 8/28/2009 5:38:28 PM |
| fareast_man | $25.00 | $25.00 | 8/28/2009 5:38:36 PM |
| ajk_blue | $25.00 | $25.00 | 8/28/2009 9:50:15 PM |
| Thunder08 | $25.00 | $25.00 | 8/30/2009 7:40:44 AM |
| thoughtful-investment045 | $25.00 | $25.00 | 8/30/2009 8:52:29 AM |
| thoughtful-investment045 | $50.00 | $50.00 | 8/30/2009 8:53:56 AM |
| nashibaksi | $100.00 | $100.00 | 8/30/2009 7:21:49 PM |
| LibbyZ | $50.00 | $50.00 | 8/31/2009 8:31:23 AM |
| t2smoney | $55.00 | $55.00 | 8/31/2009 4:22:44 PM |
| BDS | $50.00 | $50.00 | 8/31/2009 4:01:08 PM |
| Snoopylover | $25.00 | $25.00 | 8/31/2009 5:20:36 PM |
| beach_bum | $25.00 | $25.00 | 8/31/2009 7:35:01 PM |
| BBL | $100.00 | $100.00 | 8/31/2009 5:48:23 PM |
| psycardis | $25.00 | $25.00 | 9/1/2009 12:06:12 AM |
| MOVet | $25.00 | $25.00 | 8/31/2009 5:54:41 PM |
| Tecmo | $25.45 | $25.45 | 8/31/2009 6:20:42 PM |
| Galdis | $25.00 | $25.00 | 9/1/2009 5:37:04 AM |
| Taho | $50.00 | $50.00 | 9/1/2009 6:22:54 AM |
| sweety075 | $25.00 | $25.00 | 8/31/2009 9:28:42 PM |
| leverage-hawk | $25.00 | $25.00 | 9/1/2009 9:07:38 AM |
| texrob20 | $26.55 | $26.55 | 8/31/2009 11:21:43 PM |
| money-expert | $25.00 | $25.00 | 9/1/2009 6:17:41 AM |
| glenium | $25.00 | $25.00 | 9/1/2009 6:39:20 AM |
| axelducheck | $25.00 | $25.00 | 9/1/2009 7:20:23 AM |
| EEasyMoney | $25.00 | $25.00 | 9/1/2009 7:24:00 AM |
| nelsonschool | $37.23 | $37.23 | 9/1/2009 1:13:17 PM |
| glazeddonuts | $25.00 | $25.00 | 9/1/2009 1:20:35 PM |
| autumn_leaves | $25.00 | $25.00 | 9/1/2009 11:19:28 AM |
| bartenderpro | $25.00 | $25.00 | 9/1/2009 12:53:28 PM |
| padewy | $25.00 | $25.00 | 9/1/2009 11:25:28 AM |
| LeoBUSIIT | $25.00 | $25.00 | 9/1/2009 1:52:33 PM |
| bondhedger | $25.00 | $25.00 | 9/1/2009 3:43:53 PM |
| 141 bids
|
Borrower Payment Dependent Notes Series
421080
This series of Notes was issued and sold upon the funding of the borrower loan #38424, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-19-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 10.38% |
Starting borrower rate/APR:
| 11.38% / 13.50% |
Starting monthly payment:
| $98.76 |
|
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $97.30 |
| |
|
Auction yield range:
| 4.18% - 10.38% |
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:
| Jun-1999 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 700-720 (Aug-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,898 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 45% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| ATLANTA12 |
Borrower's state:
| Georgia |
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% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(Mar-2008)
|
|
Principal balance:
| $8,647.34 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
applications
Purpose of loan:
This loan will be used for applications for a fellowship.
My financial situation:
I am a good candidate for this loan because? I can repay entire money with interest because? I have source of income for life.
Monthly net income: $ 4,000
Monthly expenses: $
??Housing: $?825
??Insurance: $ 100
??Car expenses: $ 250
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you tell me more about your "source of income for life?" Is this from a settlement, trust fund, and/or others?
Thanks... - raindawg
A:
Hi
I am a doctor.so i thouht its reasionable to say i have income for life
Thanks
(Aug-27-2009)
Q:
According to your income/expenses listed, you have close to $1500 in savings on a monthly basis. What happens to this money that you need a loan for $3000 rather than saving for 60 days? - BAEVentures
A:
MY GROSS IS 4000 BUT ONLY 3100 COMES TO MY HAND.
(Aug-29-2009)
Q:
Also, what type of doctor are you that you earn less than 50,000 per year? Are you still a resident or .... ?? Care to elaborate. Thanks! - BAEVentures
A:
YES I AM FINAL YEAR RESIDENT.
(Aug-29-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| don8ter | $60.00 | $60.00 | 8/19/2009 4:28:09 PM |
| bid-wonder | $25.00 | $25.00 | 8/19/2009 4:31:24 PM |
| DukSerduk | $25.00 | $25.00 | 8/19/2009 4:28:48 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/19/2009 4:29:00 PM |
| bchen78875 | $50.00 | $50.00 | 8/19/2009 4:29:06 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/19/2009 4:28:16 PM |
| honorable-yield | $50.00 | $50.00 | 8/19/2009 4:28:21 PM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:52 AM |
| tlp43 | $25.00 | $25.00 | 8/20/2009 7:48:25 PM |
| ekmendenhall | $25.00 | $25.00 | 8/20/2009 9:32:34 PM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:33:09 AM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/21/2009 8:57:22 AM |
| buckyhead2000 | $25.00 | $25.00 | 8/21/2009 1:28:38 PM |
| mathprof | $25.00 | $25.00 | 8/21/2009 4:25:41 PM |
| elasermd | $50.00 | $50.00 | 8/21/2009 7:27:49 PM |
| BigBoy2008 | $25.00 | $25.00 | 8/22/2009 4:43:39 PM |
| thedoctor | $25.00 | $25.00 | 8/23/2009 3:03:36 AM |
| MissionMicroFinance | $25.00 | $25.00 | 8/24/2009 10:12:05 AM |
| r1g3l | $25.00 | $25.00 | 8/24/2009 8:32:11 PM |
| justin323 | $50.00 | $50.00 | 8/24/2009 6:04:31 PM |
| kenji4861 | $50.00 | $50.00 | 8/24/2009 10:57:20 PM |
| TK4 | $25.00 | $25.00 | 8/25/2009 7:35:53 AM |
| Avala | $25.00 | $25.00 | 8/25/2009 7:36:10 AM |
| market-assembler | $25.00 | $25.00 | 8/25/2009 3:22:19 PM |
| ProfPC | $25.00 | $25.00 | 8/25/2009 2:42:30 PM |
| hobodave | $25.00 | $25.00 | 8/25/2009 3:18:26 PM |
| wealth-mogul534 | $25.00 | $25.00 | 8/25/2009 6:11:00 PM |
| totoro | $25.00 | $25.00 | 8/25/2009 5:17:53 PM |
| loanman2007 | $50.00 | $50.00 | 8/27/2009 9:53:38 AM |
| flyboy24 | $75.00 | $75.00 | 8/27/2009 10:28:15 AM |
| raindawg | $39.33 | $39.33 | 8/27/2009 11:28:09 AM |
| kinetic-social | $25.00 | $25.00 | 8/28/2009 4:22:23 PM |
| bondhedger | $25.00 | $25.00 | 8/28/2009 11:00:16 PM |
| outofoffice | $50.00 | $50.00 | 8/28/2009 8:56:23 PM |
| djmjkelso | $25.00 | $25.00 | 8/30/2009 1:31:39 AM |
| Saab93 | $25.00 | $25.00 | 8/30/2009 8:20:40 AM |
| Sid-K | $50.00 | $50.00 | 8/19/2009 4:28:38 PM |
| mtp | $50.00 | $50.00 | 8/19/2009 4:38:45 PM |
| skuba | $50.00 | $50.00 | 8/19/2009 4:28:52 PM |
| anton | $50.00 | $50.00 | 8/19/2009 4:29:11 PM |
| personal-lender | $25.00 | $25.00 | 8/20/2009 11:22:40 AM |
| BookandLaw | $25.00 | $25.00 | 8/20/2009 11:04:11 AM |
| Halos2002 | $50.00 | $50.00 | 8/20/2009 12:22:56 PM |
| Syzygy | $25.00 | $25.00 | 8/20/2009 6:16:57 PM |
| kenyonhillbilly | $30.84 | $30.84 | 8/20/2009 9:58:01 PM |
| Artist_Blue | $25.00 | $25.00 | 8/21/2009 3:27:27 PM |
| shanedog | $25.00 | $25.00 | 8/21/2009 4:06:41 PM |
| 888168 | $50.00 | $50.00 | 8/21/2009 4:25:44 PM |
| Goodlender42 | $25.00 | $25.00 | 8/22/2009 4:17:42 PM |
| mh1169 | $25.00 | $25.00 | 8/22/2009 6:42:56 PM |
| jgar_O | $25.00 | $25.00 | 8/23/2009 12:02:37 PM |
| hellasow | $25.00 | $25.00 | 8/23/2009 7:53:12 AM |
| seasportsguy | $25.00 | $25.00 | 8/23/2009 11:30:37 AM |
| lowestghost | $25.00 | $25.00 | 8/24/2009 7:58:50 AM |
| abuyama22 | $25.00 | $25.00 | 8/24/2009 9:52:59 AM |
| DrStaff | $60.00 | $60.00 | 8/24/2009 7:33:19 AM |
| grf1945 | $25.00 | $25.00 | 8/24/2009 8:17:42 AM |
| Cherrypicker06 | $25.00 | $25.00 | 8/24/2009 9:37:50 AM |
| elated-justice | $25.00 | $25.00 | 8/24/2009 9:52:39 AM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 1:22:16 PM |
| cyberie21 | $40.00 | $40.00 | 8/25/2009 7:14:07 AM |
| PotBellyPete | $25.00 | $25.00 | 8/25/2009 7:12:36 AM |
| income-excellence1 | $25.00 | $25.00 | 8/25/2009 4:49:27 AM |
| sparky1129 | $25.00 | $25.00 | 8/25/2009 7:35:54 AM |
| lagnisiruk | $25.00 | $25.00 | 8/25/2009 11:37:53 AM |
| ClearLake | $25.00 | $25.00 | 8/25/2009 5:14:56 PM |
| tallcoolone | $25.00 | $25.00 | 8/25/2009 5:16:52 PM |
| jetblack | $50.00 | $50.00 | 8/25/2009 9:59:37 PM |
| fortytwo | $60.05 | $60.05 | 8/25/2009 7:36:10 PM |
| favorite-dollar | $25.00 | $25.00 | 8/26/2009 5:20:14 AM |
| bowdish1 | $36.01 | $36.01 | 8/25/2009 9:18:26 PM |
| understanding-marketplace | $100.00 | $90.37 | 8/26/2009 9:32:54 AM |
| RandyL3 | $33.40 | $33.40 | 8/27/2009 7:22:24 AM |
| ChristopherHS | $25.00 | $25.00 | 8/27/2009 6:52:11 AM |
| power-cell | $50.00 | $50.00 | 8/28/2009 6:29:17 AM |
| festivecpl | $25.00 | $25.00 | 8/28/2009 7:43:48 PM |
| RIVERBEND | $25.00 | $25.00 | 8/30/2009 3:22:31 AM |
| SFBank | $200.00 | $200.00 | 8/30/2009 4:38:25 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 10:36:10 AM |
| 79 bids
|
Borrower Payment Dependent Notes Series
421102
This series of Notes was issued and sold upon the funding of the borrower loan #38415, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction start date:
| Aug-19-2009 |
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction end date:
| Sep-02-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 14.18% - 34.00% |
Estimated loss impact:
| 15.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 6 |
First credit line:
| May-1991 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Retired |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,232 | Stated income: | $1-$24,999 |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 98% | |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| maillady60 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Jul-2009)
660-680
(Feb-2008)
|
|
Principal balance:
| $1,081.84 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
emergency dental work
Purpose of loan:
This loan will be used to?
pay for dental work not expecting
My financial situation:
is good because all my bills
I am a good candidate for this loan because?
i have another loan and have made all my payments on time
Monthly net income: $
2400
Monthly expenses: $
??Housing: $
703. with taxes and mortgage insurance
??Insurance: $
140 ????
??Car expenses: $
50. ????
??Utilities: $
150
??Phone, cable, internet: $
75
??Food, entertainment: $
100
??Clothing, household expenses $
??Credit cards and other loans: $
300
??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 hope to have it paid off in maybe a year. putting my tax refund to the balance and paying extra when i start getting social security. thanks for the help
(Aug-22-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $100.00 | $52.14 | 8/19/2009 8:41:15 PM |
| ErikB | $25.00 | $25.00 | 8/28/2009 6:27:42 PM |
| jpf27 | $50.00 | $50.00 | 9/1/2009 6:43:40 PM |
| Eloise62 | $50.00 | $50.00 | 9/1/2009 6:50:18 PM |
| hektek22 | $300.00 | $300.00 | 9/2/2009 8:45:35 AM |
| Laxa | $25.00 | $25.00 | 9/1/2009 8:04:26 PM |
| Credit2Prosper | $25.00 | $25.00 | 9/2/2009 8:51:31 AM |
| dfl | $50.00 | $50.00 | 9/2/2009 6:52:59 AM |
| Moe87 | $437.35 | $437.35 | 9/2/2009 4:09:30 PM |
| Credit2Prosper | $99.00 | $99.00 | 9/2/2009 12:37:22 PM |
| Moe87 | $463.11 | $463.11 | 9/2/2009 4:09:03 PM |
| Engineer44 | $30.00 | $30.00 | 9/2/2009 4:17:13 PM |
| LeoBUSIIT | $25.00 | $25.00 | 8/28/2009 11:27:10 AM |
| Marfloogan | $25.00 | $25.00 | 8/31/2009 4:12:12 PM |
| Aaron_Oz | $25.00 | $25.00 | 8/31/2009 7:31:41 PM |
| groundsquirrel | $25.00 | $25.00 | 8/31/2009 9:02:54 PM |
| building_community | $25.00 | $25.00 | 9/1/2009 9:12:24 AM |
| rvfbroker | $25.00 | $25.00 | 9/2/2009 8:32:25 AM |
| investment-cluster | $25.00 | $25.00 | 9/2/2009 2:17:39 AM |
| Jeffro123456 | $38.40 | $38.40 | 9/2/2009 1:36:55 PM |
| power-thinker | $50.00 | $50.00 | 9/2/2009 1:55:24 PM |
| wbwill | $25.00 | $25.00 | 9/2/2009 4:17:52 PM |
| raccoon123 | $50.00 | $50.00 | 9/2/2009 3:40:50 PM |
| Rule62 | $25.00 | $25.00 | 9/2/2009 2:25:49 PM |
| zasonsasu1 | $30.00 | $30.00 | 9/2/2009 4:09:35 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
421122
This series of Notes was issued and sold upon the funding of the borrower loan #38421, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction end date:
| Sep-03-2009 |
|
|
Starting lender yield:
| 23.73% |
Starting borrower rate/APR:
| 24.73% / 27.03% |
Starting monthly payment:
| $277.32 |
|
Final lender yield:
| 21.70% |
Final borrower rate/APR:
| 22.70% / 24.97% |
Final monthly payment:
| $269.87 |
| |
|
Auction yield range:
| 8.18% - 23.73% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 720-740 (Aug-2009) |
Current / open credit lines:
| 14
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,420 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 31% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| schoenjn |
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 / 2 |
On-time:
| 22 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $11,100.00 | < mo. late:
| 0
( 0% )
| 680-700
(Sep-2008)
640-660
(Sep-2007)
|
|
Principal balance:
| $4,149.16 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Continuing the Work
Purpose of loan:
I am looking to continue renovating the home I currently live in, while consolidating some of the previous debt related to renovations.? It seems that as one issue is fixed another arises and often cost more than is originally expected.
My financial situation:?
I am a good candidate because in June of 2009 I took a promotion at a large healthcare provider as a senior accountent?currently make $55,200 and by receiving this loan?it will?allow me continue the required renovations. I realize the responsibility I have taken on and?understand the need to payoff my debts to keep my credit score up.
Monthly net income: $ 4,246.00 (approx. before taxes)
Monthly expenses: $
??Housing: $?1100.00
??Insurance: $?70.00
??Car expenses: $?50.00
??Utilities: $?250.00
??Phone, cable, internet: $?100.00
??Food, entertainment: $ 150
??Clothing, household expenses $?150
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/20/2009 3:43:43 PM |
| HQLender06851 | $25.00 | $25.00 | 8/20/2009 3:43:21 PM |
| skuba | $25.00 | $25.00 | 8/20/2009 3:44:38 PM |
| Bank_Of_XL | $100.00 | $100.00 | 8/21/2009 8:45:08 AM |
| SpectrumCapital | $25.00 | $25.00 | 8/21/2009 2:17:34 PM |
| GrayStudio | $25.00 | $25.00 | 8/21/2009 2:22:41 PM |
| festivecpl | $100.00 | $100.00 | 8/21/2009 9:41:57 PM |
| brit11 | $25.00 | $25.00 | 8/23/2009 12:45:55 AM |
| Madron | $25.00 | $25.00 | 8/24/2009 10:55:07 AM |
| powersjq | $25.00 | $25.00 | 8/25/2009 9:32:47 AM |
| Top_Gun_Lender | $25.00 | $25.00 | 8/25/2009 9:42:01 AM |
| interstellar | $50.00 | $50.00 | 8/25/2009 5:57:20 PM |
| disclaimer777cc | $25.00 | $25.00 | 8/25/2009 4:40:47 PM |
| RedCentre | $100.00 | $100.00 | 8/26/2009 12:12:28 PM |
| enriching-payout | $25.00 | $25.00 | 8/26/2009 5:38:11 PM |
| szetheli | $91.00 | $91.00 | 8/27/2009 10:50:46 AM |
| buphigam | $25.00 | $25.00 | 8/27/2009 7:53:14 AM |
| tnjohnso | $25.00 | $25.00 | 8/27/2009 4:49:38 PM |
| ErikB | $25.00 | $25.00 | 8/28/2009 6:44:17 PM |
| nestegg4e | $25.00 | $25.00 | 8/30/2009 8:58:31 AM |
| Gaelicman | $100.00 | $100.00 | 8/30/2009 2:16:44 PM |
| wellsfrugal | $25.00 | $25.00 | 8/31/2009 2:14:02 AM |
| carmat60 | $25.00 | $25.00 | 8/30/2009 10:06:43 PM |
| jns48 | $25.00 | $25.00 | 8/30/2009 7:15:14 PM |
| frugalinvestor20 | $25.00 | $25.00 | 8/31/2009 4:53:04 AM |
| money-expert | $25.00 | $25.00 | 8/31/2009 8:15:34 AM |
| CA_Lender | $25.00 | $25.00 | 8/31/2009 7:29:43 AM |
| IIP77 | $27.73 | $27.73 | 8/31/2009 7:33:21 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/31/2009 8:08:59 PM |
| acn | $50.00 | $50.00 | 8/31/2009 5:56:14 PM |
| mobius_titan | $25.00 | $25.00 | 9/1/2009 5:32:29 AM |
| twjh | $25.00 | $25.00 | 9/1/2009 4:23:32 PM |
| Sonihal | $25.00 | $25.00 | 9/1/2009 6:58:40 PM |
| gm93001 | $25.00 | $25.00 | 9/1/2009 7:22:24 PM |
| ALVO | $100.00 | $100.00 | 9/1/2009 8:16:18 PM |
| 1stBankAndHal | $25.00 | $25.00 | 9/1/2009 6:04:29 PM |
| peregrine | $39.83 | $39.83 | 9/1/2009 11:50:26 PM |
| samaritan5 | $25.00 | $25.00 | 9/1/2009 6:35:19 PM |
| Casman8815 | $25.00 | $25.00 | 9/1/2009 7:40:29 PM |
| Ireland64 | $25.00 | $25.00 | 9/2/2009 8:13:32 AM |
| kruizen | $25.00 | $25.00 | 9/1/2009 8:20:19 PM |
| SMARTDISK | $25.00 | $25.00 | 9/1/2009 10:41:49 PM |
| Dreams4Cash | $25.00 | $25.00 | 9/1/2009 9:06:06 PM |
| dsw6440 | $50.00 | $50.00 | 9/2/2009 3:28:53 AM |
| lasalle123 | $25.00 | $25.00 | 9/1/2009 9:50:12 PM |
| youngc | $25.00 | $25.00 | 9/2/2009 11:55:28 AM |
| shadargroup | $25.00 | $25.00 | 9/2/2009 7:07:36 AM |
| impartial-deal | $25.00 | $25.00 | 9/2/2009 7:50:37 AM |
| income-rocker2 | $25.00 | $25.00 | 9/2/2009 9:50:27 AM |
| CanArkRoamNu | $25.00 | $25.00 | 9/2/2009 11:11:59 AM |
| dmh4880 | $25.00 | $25.00 | 9/2/2009 9:42:43 AM |
| gothampark | $25.00 | $25.00 | 9/2/2009 3:00:17 PM |
| Gabriel02 | $25.00 | $25.00 | 9/2/2009 10:23:41 AM |
| jtradition | $50.00 | $50.00 | 9/2/2009 10:31:07 AM |
| yomanie | $25.00 | $25.00 | 9/2/2009 11:51:59 AM |
| edognyc | $25.00 | $25.00 | 9/2/2009 12:01:14 PM |
| maven2 | $25.00 | $25.00 | 9/2/2009 1:21:58 PM |
| RKLFinancial | $50.00 | $50.00 | 9/2/2009 1:01:09 PM |
| jralending | $75.00 | $75.00 | 9/2/2009 2:49:07 PM |
| lucygirl2 | $50.00 | $50.00 | 9/2/2009 3:39:57 PM |
| miim | $50.00 | $50.00 | 9/2/2009 2:23:43 PM |
| busybee007 | $25.00 | $25.00 | 9/2/2009 2:50:41 PM |
| xzec777 | $25.00 | $25.00 | 9/2/2009 3:42:39 PM |
| jswanso2 | $25.00 | $25.00 | 9/2/2009 4:36:54 PM |
| eyal0 | $100.00 | $100.00 | 9/2/2009 4:37:16 PM |
| flexible1 | $25.00 | $25.00 | 9/2/2009 7:50:13 PM |
| silvercertificate | $75.00 | $75.00 | 9/2/2009 8:17:39 PM |
| gdbanks | $25.00 | $25.00 | 9/2/2009 8:27:16 PM |
| kubien | $25.00 | $25.00 | 9/2/2009 4:35:52 PM |
| able2help | $25.00 | $25.00 | 9/2/2009 4:36:03 PM |
| redhawk07 | $25.00 | $25.00 | 9/2/2009 4:36:53 PM |
| silverloan | $50.00 | $50.00 | 9/2/2009 4:37:03 PM |
| gold-blanket | $50.00 | $50.00 | 9/2/2009 9:25:37 PM |
| Amused1 | $25.00 | $25.00 | 9/2/2009 4:36:14 PM |
| BrooklynJim | $25.00 | $25.00 | 9/2/2009 4:36:55 PM |
| moola-berserker | $25.00 | $25.00 | 9/2/2009 4:37:23 PM |
| COtheBeast | $25.00 | $25.00 | 9/2/2009 5:03:31 PM |
| Director78 | $25.00 | $25.00 | 9/2/2009 5:09:26 PM |
| secretidentity | $25.00 | $25.00 | 9/2/2009 8:27:36 PM |
| Jassi | $25.00 | $25.00 | 9/2/2009 8:28:00 PM |
| Snoopylover | $25.00 | $25.00 | 9/2/2009 8:28:57 PM |
| crw1950 | $50.00 | $50.00 | 9/2/2009 7:44:53 PM |
| lillyprosp | $25.00 | $25.00 | 9/2/2009 9:20:16 PM |
| Bobusa | $25.00 | $25.00 | 9/3/2009 4:44:41 AM |
| QuantumLobster | $25.00 | $25.00 | 9/2/2009 8:36:13 PM |
| NewYorker48 | $77.78 | $77.78 | 9/3/2009 5:19:55 AM |
| planky | $50.00 | $50.00 | 9/2/2009 10:32:31 PM |
| briggsy4 | $25.00 | $25.00 | 9/2/2009 11:40:23 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/20/2009 3:44:05 PM |
| joeirps | $25.00 | $11.98 | 8/20/2009 3:44:43 PM |
| rate-mogul | $25.00 | $25.00 | 8/20/2009 3:44:12 PM |
| Credit2Prosper | $25.00 | $25.00 | 8/20/2009 3:58:12 PM |
| BGILlender | $25.00 | $25.00 | 8/20/2009 6:27:27 PM |
| ChrisKwan | $25.00 | $25.00 | 8/20/2009 4:28:09 PM |
| zento | $25.00 | $25.00 | 8/20/2009 6:57:40 PM |
| mercuriant | $25.00 | $25.00 | 8/21/2009 6:17:39 PM |
| Helenska11 | $75.00 | $75.00 | 8/21/2009 4:53:53 PM |
| freestyle624 | $25.00 | $25.00 | 8/24/2009 5:41:47 AM |
| foothillender | $25.00 | $25.00 | 8/23/2009 3:43:00 PM |
| natejx | $25.00 | $25.00 | 8/24/2009 10:37:16 AM |
| roadster199 | $25.00 | $25.00 | 8/24/2009 10:42:18 AM |
| littlemonkey | $25.00 | $25.00 | 8/25/2009 12:14:43 PM |
| n3holden | $50.00 | $50.00 | 8/28/2009 8:39:32 AM |
| credit-maestro | $25.00 | $25.00 | 8/28/2009 10:24:34 AM |
| beuford7 | $50.00 | $50.00 | 8/28/2009 2:07:30 PM |
| LeoBUSIIT | $25.00 | $25.00 | 8/28/2009 11:32:27 AM |
| Ven58 | $25.00 | $25.00 | 8/28/2009 4:43:56 PM |
| outofoffice | $50.00 | $50.00 | 8/28/2009 8:57:13 PM |
| riveting-rate | $25.00 | $25.00 | 8/29/2009 11:08:54 AM |
| LanceLink | $25.00 | $25.00 | 8/29/2009 9:02:42 PM |
| dermit | $75.00 | $75.00 | 8/30/2009 8:18:21 AM |
| Easystreet | $25.00 | $25.00 | 8/30/2009 5:08:14 AM |
| loanman2007 | $25.00 | $25.00 | 8/30/2009 4:45:58 PM |
| kdubb | $25.00 | $25.00 | 8/30/2009 5:41:09 PM |
| Kash2010lu | $25.00 | $25.00 | 8/30/2009 12:34:42 PM |
| the_prince | $50.00 | $50.00 | 8/31/2009 5:11:47 AM |
| HQLender06851 | $25.00 | $25.00 | 8/31/2009 10:52:11 AM |
| LarryNY | $25.00 | $25.00 | 8/31/2009 12:18:16 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 10:49:48 AM |
| VitaminFunk | $25.00 | $25.00 | 8/31/2009 4:35:22 PM |
| nimble-revenue | $50.00 | $50.00 | 8/31/2009 4:53:09 PM |
| axelducheck | $25.00 | $25.00 | 8/31/2009 5:46:19 PM |
| Ven58 | $25.00 | $25.00 | 8/31/2009 5:08:14 PM |
| LibbyZ | $50.00 | $50.00 | 8/31/2009 5:09:52 PM |
| BuzzyBee336 | $25.00 | $25.00 | 8/31/2009 9:08:13 PM |
| scottr | $25.00 | $25.00 | 8/31/2009 5:35:18 PM |
| Magician | $50.00 | $50.00 | 8/31/2009 5:41:22 PM |
| swti37 | $50.00 | $50.00 | 8/31/2009 8:25:28 PM |
| nethawk00 | $25.00 | $25.00 | 9/1/2009 9:20:36 AM |
| JJ-Loans | $115.00 | $115.00 | 9/1/2009 9:26:52 AM |
| USCGC | $50.00 | $50.00 | 9/1/2009 10:34:07 AM |
| E-B | $50.00 | $50.00 | 9/1/2009 11:13:35 AM |
| bartenderpro | $25.00 | $25.00 | 9/1/2009 12:58:56 PM |
| tigercat | $50.00 | $50.00 | 9/1/2009 3:54:35 PM |
| thoughtful-investment045 | $25.00 | $25.00 | 9/1/2009 6:40:21 PM |
| medkoder | $25.00 | $25.00 | 9/1/2009 6:57:08 PM |
| FarmersBank | $26.88 | $26.88 | 9/1/2009 7:44:21 PM |
| victorcab | $25.00 | $25.00 | 9/1/2009 6:50:16 PM |
| Hexnut | $25.00 | $25.00 | 9/1/2009 9:27:07 PM |
| karmanxten | $94.55 | $94.55 | 9/1/2009 10:36:58 PM |
| Jim33 | $25.00 | $25.00 | 9/1/2009 7:11:05 PM |
| AF_Trust | $25.00 | $25.00 | 9/1/2009 6:50:48 PM |
| djd50 | $25.00 | $25.00 | 9/2/2009 4:20:34 AM |
| Zagit | $25.00 | $25.00 | 9/2/2009 4:26:10 AM |
| Eaglehigh | $25.00 | $25.00 | 9/2/2009 6:27:20 AM |
| compassion-paladin042 | $25.00 | $25.00 | 9/1/2009 8:20:29 PM |
| deepblue34 | $40.00 | $40.00 | 9/1/2009 7:04:20 PM |
| lowrate | $25.00 | $25.00 | 9/1/2009 8:35:14 PM |
| GRI | $50.00 | $50.00 | 9/1/2009 8:40:17 PM |
| LanceLink | $25.00 | $25.00 | 9/2/2009 7:28:36 AM |
| hanuman77 | $50.00 | $50.00 | 9/2/2009 7:35:45 AM |
| Torch84 | $25.00 | $25.00 | 9/1/2009 7:23:04 PM |
| mooselegs19 | $25.00 | $25.00 | 9/2/2009 8:05:28 AM |
| bxdoc | $75.00 | $75.00 | 9/1/2009 7:55:13 PM |
| husamk | $25.00 | $25.00 | 9/1/2009 10:05:33 PM |
| fireferd | $100.00 | $100.00 | 9/1/2009 8:54:46 PM |
| BuffetRocks | $150.00 | $150.00 | 9/1/2009 11:06:41 PM |
| microeconomicwizadry | $25.00 | $25.00 | 9/2/2009 1:20:14 AM |
| malomar66 | $50.00 | $50.00 | 9/1/2009 9:18:46 PM |
| unequivocal-velocity | $50.00 | $50.00 | 9/1/2009 9:20:26 PM |
| CashBank | $25.00 | $25.00 | 9/2/2009 10:28:49 AM |
| punctual-worth | $25.00 | $25.00 | 9/2/2009 12:17:22 AM |
| JCM_MN | $50.00 | $50.00 | 9/2/2009 5:02:15 AM |
| Sphinx9499 | $50.00 | $50.00 | 9/2/2009 6:10:29 AM |
| A007 | $25.00 | $25.00 | 9/2/2009 7:00:15 AM |
| takabanana | $25.00 | $25.00 | 9/2/2009 12:51:18 PM |
| captainack | $25.00 | $25.00 | 9/2/2009 8:45:42 AM |
| daekpon | $25.00 | $25.00 | 9/2/2009 10:26:45 AM |
| bid-papyrus | $50.00 | $50.00 | 9/2/2009 9:31:38 AM |
| dparkhom | $25.00 | $25.00 | 9/2/2009 2:05:19 PM |
| ritwik | $50.00 | $50.00 | 9/2/2009 9:54:03 AM |
| kendigme | $40.28 | $40.28 | 9/2/2009 11:05:26 AM |
| kindness-jedi | $25.00 | $25.00 | 9/2/2009 4:24:17 PM |
| BlueSummers | $50.00 | $50.00 | 9/2/2009 1:16:58 PM |
| Veggie_Monkey | $25.00 | $25.00 | 9/2/2009 1:33:05 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/2/2009 2:35:37 PM |
| Jaoe | $38.82 | $38.82 | 9/2/2009 5:38:48 PM |
| five-star-justice | $36.00 | $36.00 | 9/2/2009 5:55:29 PM |
| godspeed237 | $25.00 | $25.00 | 9/2/2009 6:20:47 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 9/2/2009 7:53:31 PM |
| Lise46 | $25.00 | $25.00 | 9/2/2009 8:29:01 PM |
| Divot | $25.00 | $25.00 | 9/2/2009 8:51:54 PM |
| gold-tsunami | $25.00 | $25.00 | 9/2/2009 5:50:45 PM |
| BankOfThomas | $35.15 | $35.15 | 9/2/2009 4:36:48 PM |
| Ven58 | $25.00 | $25.00 | 9/2/2009 4:37:29 PM |
| dorypro | $25.00 | $25.00 | 9/3/2009 5:42:28 AM |
| Imaginos1892 | $100.00 | $100.00 | 9/2/2009 5:13:26 PM |
| JPOPP | $25.00 | $25.00 | 9/2/2009 7:15:43 PM |
| glazeddonuts | $25.00 | $25.00 | 9/2/2009 7:28:55 PM |
| us957165 | $25.00 | $25.00 | 9/2/2009 8:59:10 PM |
| DaveG56313 | $25.00 | $25.00 | 9/2/2009 9:10:21 PM |
| Cartm | $25.00 | $25.00 | 9/2/2009 9:56:17 PM |
| broepke | $25.00 | $25.00 | 9/2/2009 8:27:32 PM |
| lookin_up | $50.00 | $50.00 | 9/3/2009 5:42:31 AM |
| whatreality | $25.00 | $25.00 | 9/3/2009 5:51:11 AM |
| 195 bids
|
Borrower Payment Dependent Notes Series
421132
This series of Notes was issued and sold upon the funding of the borrower loan #38407, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction start date:
| Aug-20-2009 |
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 14.18% - 34.00% |
Estimated loss impact:
| 15.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 6 |
First credit line:
| May-1987 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 7y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,866 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 76% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| new-priceless-compassion |
Borrower's state:
| Massachusetts |
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
Hope
Purpose of loan:
This loan will be used to?complete the amount I need for a down payment on a mobile home and buy in time to receive the present tax credit?
My financial situation:
I am a good candidate for this loan because I work full time as a registered nurse, don't have a car loan, will get the tax credit and receive $5000 back in tax refund, can very comfortably make all payments on this loan,?need the loan because I decided to buy the mobile home before the tax credit opportunity ends?
Monthly net income: $ 3100
Monthly expenses:?$2600
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:
To Hektek22,
I am new to Prosper so I have to continue researching the rules and how this loan works -- but I think the lender in all fairness needs to earn some interest by providing the loan - so it wouldn't be fair to immeditately pay it all back when one has the money - but on the otherhand - it obviously has the highest interest rate - so if the rules allow I would try to pay it back sooner - prehaps the fair road would be to pay it back in a way that the lender would get decent interest
(Aug-22-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $200.00 | $200.00 | 8/20/2009 7:36:30 PM |
| brother_tam | $50.00 | $50.00 | 8/20/2009 7:42:22 PM |
| bobd32 | $25.00 | $25.00 | 8/20/2009 11:35:36 PM |
| aztocas | $50.00 | $50.00 | 8/21/2009 6:24:23 AM |
| periko | $50.00 | $50.00 | 8/21/2009 9:52:12 PM |
| cippy | $100.00 | $100.00 | 8/26/2009 2:51:54 PM |
| Pintu_Desai | $25.00 | $25.00 | 8/27/2009 2:56:36 PM |
| LeoBUSIIT | $25.00 | $25.00 | 8/28/2009 11:31:56 AM |
| kingbob | $25.00 | $25.00 | 8/28/2009 3:12:39 PM |
| bankbuddy55 | $50.00 | $50.00 | 8/29/2009 4:05:20 PM |
| carmat60 | $25.00 | $25.00 | 8/30/2009 10:03:54 PM |
| funds-magician142 | $25.00 | $25.00 | 8/31/2009 10:09:36 AM |
| AndyT1999 | $25.00 | $25.00 | 8/31/2009 6:21:27 PM |
| IPG1 | $25.00 | $25.00 | 9/1/2009 2:00:33 PM |
| mhombre | $50.00 | $50.00 | 9/1/2009 3:09:30 PM |
| Marfloogan | $25.00 | $25.00 | 9/1/2009 6:10:15 PM |
| weezy22 | $29.00 | $29.00 | 9/1/2009 6:13:46 PM |
| victor111 | $28.46 | $28.46 | 8/21/2009 4:45:23 AM |
| EEasyMoney | $25.00 | $25.00 | 8/21/2009 7:20:39 AM |
| MONEY_IN_THE_BANK | $25.00 | $25.00 | 8/21/2009 7:45:00 AM |
| Engineer44 | $25.00 | $25.00 | 8/24/2009 10:40:39 AM |
| hektek22 | $300.00 | $300.00 | 8/24/2009 6:32:51 PM |
| kinetic-social | $25.00 | $25.00 | 8/25/2009 12:38:04 PM |
| Lubava | $25.00 | $25.00 | 8/28/2009 12:19:25 PM |
| mrbill5548 | $25.00 | $25.00 | 8/28/2009 3:20:57 PM |
| ErikB | $25.00 | $25.00 | 8/28/2009 6:46:20 PM |
| festivecpl | $25.00 | $9.99 | 8/29/2009 5:21:47 AM |
| kingpin1 | $50.00 | $50.00 | 8/29/2009 2:28:25 PM |
| TripleNickle | $25.55 | $25.55 | 8/31/2009 7:13:09 PM |
| 1traveler | $25.00 | $25.00 | 9/1/2009 12:23:07 AM |
| bmw2 | $32.00 | $32.00 | 9/1/2009 8:59:45 AM |
| BlueProteus | $25.00 | $25.00 | 9/1/2009 7:15:50 PM |
| goodcents | $25.00 | $25.00 | 9/1/2009 7:33:29 PM |
| karmanxten | $500.00 | $500.00 | 9/1/2009 9:43:29 PM |
| 34 bids
|
Borrower Payment Dependent Notes Series
421476
This series of Notes was issued and sold upon the funding of the borrower loan #38395, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 9.51% |
Starting borrower rate/APR:
| 10.51% / 14.08% |
Starting monthly payment:
| $32.51 |
|
Final lender yield:
| 3.23% |
Final borrower rate/APR:
| 4.23% / 7.67% |
Final monthly payment:
| $29.63 |
| |
|
Auction yield range:
| 3.18% - 9.51% |
Estimated loss impact:
| 0.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Apr-1984 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 760-780 (Aug-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 20 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,070 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 7% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 8 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| carmat60 |
Borrower's state:
| Hawaii |
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
IMPROVING CREDIT SCORE
Purpose of loan:
This loan will be used to?
Help improve my credit score. I had a business for five and a half years that I had to close up in 2004 and declare bankruptcy back in 2005. It took me one year to save up to pay for my Attorney. I use to have good credit until I couldn't pay off my credit cards due to bills from paying for merchandise. I used my savings just to keep me afloat. I tried to pay as many bills as I could with all my savings, but I had no other recourse. I was living off of potatoes.
I have since got a job since then and have been able to pay off my credit card bills every month. I am trying to build up my credit but it seems to be taking a long time to get my score up there again. I am hoping that I can be like others who have taken out a loan with prosper and have improved on their credit rating. This loan will be paid off sooner than 36 months. If this loan gets funded and helps improve my credit rating, I will ask for another loan.
I am also a Prosper lender. I have lost a lot of money from those who have declared bankruptcy or could not pay. I will not be like that. My bankruptcy applied to credit card companies?and a few business accounts.
I've been frugal with my money, learning the hard way.
My financial situation:
I am a good candidate for this loan because? I can pay this off in one month but I want to build up my credit score and allow other lenders to make interest off me instead of my credit card companies. (I think paying my credit card bills in full is not helping me too much with my credit score).
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) |
|
| IM-SHARKY | $1,000.00 | $1,000.00 | 9/1/2009 7:18:29 AM |
| 1 bids
|
Borrower Payment Dependent Notes Series
421518
This series of Notes was issued and sold upon the funding of the borrower loan #38437, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Sep-03-2009 |
|
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 10.08% |
Starting monthly payment:
| $109.68 |
|
Final lender yield:
| 6.95% |
Final borrower rate/APR:
| 7.95% / 10.03% |
Final monthly payment:
| $109.60 |
| |
|
Auction yield range:
| 3.18% - 7.00% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 760-780 (Aug-2009) |
Current / open credit lines:
| 9
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,498 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 21% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| peace-hut |
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
Paying for a simple wedding
Purpose of loan:
This loan will be used to? pay for wedding-related expenses, such as flowers, decorations and invitations. We are having a relatively small wedding, with a?total? budget?less than $20,000, of which?my parents are able to contribute $15,000. They are small-business owners on a tight budget, so I'd like to make sure they do not have to contribute more than their share. This means I'll need to cover some expenses myself.
My financial situation:
I am a good candidate for this loan because? I have a stable job, plus I earn additional income from freelance work, totalling about $68,000 per year. My credit is excellent--I have never been late on a credit-card or student loan payment and my total debt is manageable (my income is more than 4x my rent). I will have no problem paying this loan back in a timely manner. Lastly, should my fiance and I receive gifts of money for our wedding, my first priority will be paying off this loan!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| bchen78875 | $50.00 | $50.00 | 8/24/2009 3:53:54 PM |
| rdrloan | $25.00 | $25.00 | 8/24/2009 3:57:04 PM |
| turbospeed | $25.00 | $25.00 | 8/24/2009 3:56:22 PM |
| elasermd | $50.00 | $50.00 | 8/24/2009 3:57:46 PM |
| Artist_Blue | $25.00 | $25.00 | 8/24/2009 3:59:15 PM |
| shanedog | $25.00 | $25.00 | 8/24/2009 3:59:24 PM |
| anton | $50.00 | $50.00 | 8/24/2009 3:54:09 PM |
| honorable-yield | $50.00 | $41.58 | 8/24/2009 4:16:02 PM |
| personal-lender | $25.00 | $25.00 | 8/24/2009 3:57:10 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/24/2009 3:58:16 PM |
| jgar_O | $30.00 | $30.00 | 8/24/2009 3:59:34 PM |
| manuvns | $25.00 | $25.00 | 8/25/2009 12:03:44 PM |
| axelducheck | $25.00 | $25.00 | 8/25/2009 2:47:13 PM |
| buukyak | $25.00 | $25.00 | 8/25/2009 7:31:00 PM |
| jimbo29blue | $50.00 | $50.00 | 8/26/2009 11:59:25 AM |
| think_globally_act_locally | $50.00 | $50.00 | 8/26/2009 10:19:46 AM |
| nbhz60a | $25.00 | $25.00 | 8/26/2009 7:17:34 PM |
| letsbank | $30.00 | $30.00 | 8/26/2009 7:39:45 PM |
| calm-p2ploan | $25.00 | $25.00 | 8/26/2009 11:38:16 PM |
| SchaeferJ | $25.00 | $25.00 | 8/27/2009 1:09:29 AM |
| WarmWeather | $50.00 | $50.00 | 8/27/2009 7:02:16 AM |
| plbquic | $50.00 | $50.00 | 8/27/2009 11:55:24 AM |
| ozzo | $43.18 | $43.18 | 8/27/2009 1:01:33 PM |
| gizmo65 | $25.00 | $25.00 | 8/27/2009 9:41:19 PM |
| myhrer | $50.00 | $50.00 | 8/27/2009 9:46:04 PM |
| blukahlua | $40.00 | $40.00 | 8/28/2009 1:43:02 PM |
| outofoffice | $50.00 | $50.00 | 8/28/2009 8:59:14 PM |
| manfromMaine | $51.75 | $51.75 | 8/28/2009 6:25:46 PM |
| JACJ | $25.00 | $25.00 | 8/30/2009 9:08:41 AM |
| fortytwo | $32.56 | $32.56 | 8/29/2009 4:55:17 PM |
| stupiddayjob | $25.00 | $25.00 | 8/30/2009 11:10:56 AM |
| thebigone79 | $25.00 | $25.00 | 8/31/2009 2:17:10 PM |
| yield-quest | $25.00 | $25.00 | 8/31/2009 2:45:40 PM |
| DDHMoney | $25.00 | $25.00 | 9/1/2009 7:46:46 AM |
| blot44 | $50.00 | $50.00 | 9/1/2009 8:01:02 PM |
| excellent-greenback | $25.00 | $25.00 | 9/1/2009 5:31:09 PM |
| Earl65 | $25.00 | $25.00 | 9/2/2009 3:40:37 AM |
| autonomous-power | $50.00 | $50.00 | 9/1/2009 6:54:27 PM |
| bid-papyrus | $50.00 | $50.00 | 9/2/2009 9:32:23 AM |
| Jassi | $25.00 | $25.00 | 9/1/2009 9:27:10 PM |
| djd50 | $25.00 | $25.00 | 9/2/2009 4:20:25 AM |
| Kame | $25.00 | $25.00 | 9/2/2009 6:27:11 AM |
| MidnightBank | $25.00 | $25.00 | 9/2/2009 10:00:15 AM |
| captainack | $25.00 | $25.00 | 9/2/2009 8:45:39 AM |
| pi31415 | $25.00 | $25.00 | 9/2/2009 10:16:42 AM |
| miamiwill | $25.00 | $25.00 | 9/2/2009 12:36:41 PM |
| enriching-payout | $25.00 | $25.00 | 9/2/2009 4:35:49 PM |
| yank918 | $25.00 | $25.00 | 9/2/2009 7:05:34 PM |
| MGS | $25.00 | $25.00 | 9/2/2009 6:05:11 PM |
| rlecour | $25.00 | $25.00 | 9/2/2009 8:25:57 PM |
| bkb7484 | $25.00 | $25.00 | 9/3/2009 3:09:07 AM |
| blackstar | $25.00 | $25.00 | 9/3/2009 6:01:57 AM |
| BookandLaw | $25.00 | $25.00 | 8/24/2009 3:57:02 PM |
| grf1945 | $25.00 | $25.00 | 8/24/2009 4:00:18 PM |
| Cherrypicker06 | $25.00 | $25.00 | 8/24/2009 4:00:40 PM |
| tlp43 | $25.00 | $25.00 | 8/24/2009 3:56:59 PM |
| seasportsguy | $25.00 | $25.00 | 8/24/2009 3:59:29 PM |
| DrStaff | $60.00 | $60.00 | 8/24/2009 4:00:05 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/24/2009 4:15:56 PM |
| julijask | $25.00 | $25.00 | 8/24/2009 3:55:00 PM |
| credit-investor5 | $50.00 | $50.00 | 8/24/2009 3:55:07 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/24/2009 3:58:47 PM |
| ekmendenhall | $25.00 | $25.00 | 8/24/2009 3:59:58 PM |
| lowestghost | $25.00 | $25.00 | 8/24/2009 4:00:10 PM |
| BigBoy2008 | $25.00 | $25.00 | 8/24/2009 4:03:30 PM |
| don8ter | $60.00 | $60.00 | 8/24/2009 4:15:49 PM |
| greenback-floret | $25.00 | $25.00 | 8/24/2009 4:09:32 PM |
| packrs1 | $25.00 | $25.00 | 8/25/2009 1:21:54 PM |
| market-assembler | $25.00 | $25.00 | 8/25/2009 3:22:30 PM |
| keeks | $25.00 | $25.00 | 8/26/2009 12:07:24 PM |
| livingforjesus | $25.00 | $25.00 | 8/26/2009 9:23:52 AM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 8/26/2009 10:00:17 AM |
| ribrosu | $25.00 | $25.00 | 8/26/2009 4:06:29 PM |
| keppim | $25.00 | $25.00 | 8/26/2009 6:01:06 PM |
| zielojo | $100.00 | $100.00 | 8/27/2009 3:00:21 AM |
| JCPlending | $25.00 | $25.00 | 8/27/2009 10:29:41 PM |
| mitchandre | $25.00 | $25.00 | 8/28/2009 11:32:29 AM |
| RETIRED2007 | $25.00 | $25.00 | 8/28/2009 4:13:43 PM |
| kinetic-social | $25.00 | $25.00 | 8/28/2009 4:30:14 PM |
| festivecpl | $100.00 | $100.00 | 8/30/2009 12:24:55 PM |
| PBanker | $25.00 | $25.00 | 8/31/2009 5:30:22 AM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 10:36:24 AM |
| fangstar | $34.60 | $34.60 | 8/31/2009 8:26:53 AM |
| Gambino | $50.00 | $50.00 | 8/31/2009 10:34:03 AM |
| impartial-deal | $25.00 | $25.00 | 8/31/2009 1:12:20 PM |
| beachfunder | $25.00 | $25.00 | 8/31/2009 7:49:30 PM |
| Glowworm11 | $26.99 | $26.99 | 9/1/2009 6:20:34 AM |
| dollarboy | $50.00 | $50.00 | 8/31/2009 9:14:36 PM |
| Richmp412 | $25.00 | $25.00 | 9/1/2009 7:00:45 AM |
| payontime1 | $50.00 | $50.00 | 9/1/2009 10:59:05 AM |
| tallcoolone | $25.00 | $25.00 | 9/1/2009 7:21:42 PM |
| Approved | $50.00 | $50.00 | 9/1/2009 8:52:24 PM |
| MissionMicroFinance | $25.00 | $25.00 | 9/1/2009 7:23:01 PM |
| adoptionblessing | $38.34 | $38.34 | 9/1/2009 7:58:17 PM |
| mizount | $25.00 | $25.00 | 9/2/2009 5:35:23 AM |
| longisland47m | $25.00 | $25.00 | 9/2/2009 10:39:35 AM |
| LoanGiver | $25.00 | $25.00 | 9/2/2009 11:06:53 AM |
| miked8303 | $25.00 | $25.00 | 9/2/2009 10:54:53 AM |
| Warbler | $25.00 | $25.00 | 9/2/2009 12:35:27 PM |
| thesupplier | $25.00 | $25.00 | 9/2/2009 8:51:48 PM |
| five-star-justice | $36.00 | $36.00 | 9/2/2009 6:02:12 PM |
| celkram | $25.00 | $25.00 | 9/2/2009 7:15:26 PM |
| surferracerskaterboy | $50.00 | $50.00 | 9/2/2009 7:23:25 PM |
| SalukiLending | $25.00 | $25.00 | 9/2/2009 8:05:05 PM |
| edognyc | $25.00 | $25.00 | 9/2/2009 8:29:07 PM |
| JACJ | $25.00 | $25.00 | 9/3/2009 4:06:23 AM |
| Gabriel02 | $25.00 | $25.00 | 9/2/2009 8:29:46 PM |
| 107 bids
|
Borrower Payment Dependent Notes Series
421646
This series of Notes was issued and sold upon the funding of the borrower loan #38438, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.42% |
Starting monthly payment:
| $52.00 |
|
Final lender yield:
| 10.00% |
Final borrower rate/APR:
| 11.00% / 13.36% |
Final monthly payment:
| $49.11 |
| |
|
Auction yield range:
| 3.18% - 14.00% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 800-820 (Aug-2009) |
Current / open credit lines:
| 14
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,119 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 41% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| shiny-hope |
Borrower's state:
| Connecticut |
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
finish beetle
Purpose of loan:
This loan will be used to? finish the restoration of my 71 beetle. When I finish the car, it will go up for sale.?When the car sells the proceeds will pay off the loan, and the remainder will go toward my credit card debt, which is a very important thing?for me to pay off. Selling the beetle is a hard thing to do, but is the best way to get out of debt. By bidding on my loan you will be helping a hard working deserving person.
My financial situation:
I am a good candidate for this loan because? I have very good credit. For the past eight years my credit is spotless. My job is very secure, and I work overtime when ever possible. My wife and I are home owners. My monthly bills are always paid, with no problems.
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) |
|
| phaded | $25.00 | $25.00 | 8/24/2009 3:56:55 PM |
| MidnightBank | $25.00 | $25.00 | 8/24/2009 4:01:50 PM |
| flyinhawaiian | $50.00 | $50.00 | 8/24/2009 4:08:59 PM |
| MonkeyPet | $25.00 | $25.00 | 8/24/2009 4:09:17 PM |
| KHU2-B | $25.00 | $25.00 | 8/24/2009 4:09:23 PM |
| greeninspirit | $25.00 | $25.00 | 8/24/2009 4:09:28 PM |
| GrayStudio | $50.00 | $50.00 | 8/25/2009 12:47:18 AM |
| vegibenz | $25.00 | $25.00 | 8/24/2009 5:12:38 PM |
| calm-p2ploan | $25.00 | $25.00 | 8/25/2009 12:47:17 AM |
| vinayski | $25.00 | $25.00 | 8/25/2009 5:07:10 PM |
| Guiren | $66.74 | $66.74 | 8/25/2009 4:23:40 PM |
| BankOfShaun | $25.00 | $25.00 | 8/25/2009 4:24:03 PM |
| M_V | $60.95 | $60.95 | 8/25/2009 4:25:33 PM |
| CARedBull | $80.00 | $6.82 | 8/25/2009 9:52:54 PM |
| enigmallc | $100.00 | $100.00 | 8/26/2009 8:40:12 PM |
| stonechip | $48.38 | $48.38 | 8/27/2009 9:35:48 AM |
| khamen | $25.00 | $25.00 | 8/28/2009 2:07:55 AM |
| responsibility-butterfly | $25.00 | $25.00 | 8/28/2009 9:30:49 AM |
| investorrr | $25.00 | $25.00 | 8/28/2009 11:06:20 PM |
| packrs1 | $25.00 | $25.00 | 8/29/2009 2:42:09 PM |
| mozzarella | $25.00 | $25.00 | 8/29/2009 1:52:43 AM |
| festivecpl | $25.00 | $25.00 | 8/29/2009 5:31:11 AM |
| Kessler | $25.00 | $25.00 | 8/31/2009 9:30:58 AM |
| axelducheck | $25.00 | $25.00 | 8/31/2009 12:33:57 PM |
| YoungTaxMan | $25.00 | $25.00 | 8/24/2009 4:01:19 PM |
| Halos2002 | $25.00 | $25.00 | 8/24/2009 4:16:55 PM |
| Credit2Prosper | $50.00 | $50.00 | 8/24/2009 7:58:25 PM |
| Syzygy | $25.00 | $25.00 | 8/25/2009 10:32:39 AM |
| minista | $25.00 | $25.00 | 8/25/2009 4:17:39 PM |
| phi2 | $25.00 | $25.00 | 8/25/2009 4:17:34 PM |
| Cheburashka | $43.44 | $43.44 | 8/25/2009 7:31:10 PM |
| BoughtTheFarm | $25.00 | $25.00 | 8/25/2009 4:42:53 PM |
| EngineersAlliance | $48.67 | $48.67 | 8/25/2009 4:48:05 PM |
| kinetic-truth | $25.00 | $25.00 | 8/26/2009 3:42:28 PM |
| PalmTreeIsland | $50.00 | $50.00 | 8/26/2009 4:38:45 PM |
| blot44 | $50.00 | $50.00 | 8/27/2009 5:34:54 AM |
| enriching-payout | $25.00 | $25.00 | 8/27/2009 11:43:23 AM |
| CK1 | $25.00 | $25.00 | 8/27/2009 6:02:14 PM |
| newton77 | $25.00 | $25.00 | 8/28/2009 2:26:28 AM |
| plbquic | $50.00 | $50.00 | 8/31/2009 11:25:27 AM |
| wealth-grasshopper0 | $150.00 | $150.00 | 8/31/2009 10:10:41 AM |
| 41 bids
|
Borrower Payment Dependent Notes Series
422146
This series of Notes was issued and sold upon the funding of the borrower loan #38386, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-31-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 12.99% |
Starting borrower rate/APR:
| 13.99% / 16.15% |
Starting monthly payment:
| $102.52 |
|
Final lender yield:
| 12.50% |
Final borrower rate/APR:
| 13.50% / 15.65% |
Final monthly payment:
| $101.81 |
| |
|
Auction yield range:
| 4.18% - 12.99% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.36% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 10
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 9y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,519 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 73% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| wonderous-bazaar |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off daughter's braces
Purpose of loan:
This loan will be used to?
pay off my daughter's braces.
My financial situation:
I am a good candidate for this loan because? I can easily make the monthly payments as the financing provided by the orthdontist is a much higher monthly payment due to a short payoff time.? In addition, we will receive a discount from the provider due to paying in full at this time.
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) |
|
| shag2 | $25.00 | $25.00 | 8/31/2009 3:46:12 PM |
| personal-lender | $25.00 | $25.00 | 8/31/2009 3:48:50 PM |
| 108lender | $75.00 | $75.00 | 8/31/2009 3:49:49 PM |
| lagnisiruk | $25.00 | $25.00 | 8/31/2009 3:46:58 PM |
| jgar_O | $30.00 | $30.00 | 8/31/2009 3:47:05 PM |
| Sid-K | $50.00 | $50.00 | 8/31/2009 3:47:29 PM |
| aesop | $25.00 | $25.00 | 8/31/2009 3:48:59 PM |
| don8ter | $60.00 | $60.00 | 8/31/2009 3:47:13 PM |
| DukSerduk | $25.00 | $25.00 | 8/31/2009 3:47:33 PM |
| bchen78875 | $50.00 | $50.00 | 8/31/2009 3:47:50 PM |
| anton | $50.00 | $50.00 | 8/31/2009 3:47:56 PM |
| understanding-marketplace | $100.00 | $100.00 | 8/31/2009 3:48:05 PM |
| investorrr | $25.00 | $25.00 | 8/31/2009 3:59:04 PM |
| five-star-justice | $36.00 | $36.00 | 8/31/2009 4:02:30 PM |
| blackstar | $25.00 | $25.00 | 8/31/2009 3:59:15 PM |
| bid-wonder | $25.00 | $25.00 | 8/31/2009 4:03:01 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 4:05:49 PM |
| Cai8899 | $25.00 | $25.00 | 8/31/2009 4:04:51 PM |
| LuckySF | $50.00 | $50.00 | 8/31/2009 4:18:31 PM |
| kenji4861 | $50.00 | $50.00 | 8/31/2009 4:52:27 PM |
| BoughtTheFarm | $25.00 | $25.00 | 8/31/2009 5:07:56 PM |
| sagemoto | $25.00 | $25.00 | 8/31/2009 5:15:59 PM |
| jonn834 | $50.00 | $50.00 | 8/31/2009 5:16:29 PM |
| cowboyskier | $50.00 | $50.00 | 8/31/2009 5:09:56 PM |
| Syzygy | $25.00 | $25.00 | 8/31/2009 7:35:28 PM |
| bowdish1 | $47.14 | $47.14 | 9/1/2009 6:30:34 AM |
| Stahl | $26.21 | $26.21 | 9/1/2009 9:34:09 AM |
| tacopants | $50.00 | $50.00 | 9/1/2009 10:49:32 AM |
| dinobuddy | $25.00 | $25.00 | 9/1/2009 4:07:01 PM |
| thedoctor | $25.00 | $25.00 | 9/1/2009 3:21:20 PM |
| DrStaff | $60.00 | $60.00 | 9/1/2009 3:52:42 PM |
| TK4 | $25.00 | $25.00 | 9/1/2009 3:21:08 PM |
| 888168 | $50.00 | $50.00 | 9/1/2009 3:27:43 PM |
| Spaceman838 | $25.00 | $3.54 | 9/1/2009 5:58:24 PM |
| samaritan5 | $60.00 | $60.00 | 9/1/2009 6:42:52 PM |
| interstellar | $50.00 | $50.00 | 9/1/2009 6:58:02 PM |
| new-goal-return | $50.00 | $50.00 | 9/1/2009 6:59:48 PM |
| RedCentre | $100.00 | $100.00 | 9/1/2009 6:57:42 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/31/2009 3:47:19 PM |
| honorable-yield | $50.00 | $50.00 | 8/31/2009 3:47:25 PM |
| skuba | $50.00 | $50.00 | 8/31/2009 3:47:38 PM |
| Cherrypicker06 | $25.00 | $25.00 | 8/31/2009 3:47:08 PM |
| testobsessed | $100.00 | $100.00 | 8/31/2009 3:48:10 PM |
| sparkmeister | $25.00 | $25.00 | 8/31/2009 3:49:09 PM |
| Artist_Blue | $25.00 | $25.00 | 8/31/2009 3:47:03 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/31/2009 3:47:45 PM |
| credit-investor5 | $50.00 | $50.00 | 8/31/2009 3:48:00 PM |
| elasermd | $50.00 | $50.00 | 8/31/2009 3:48:20 PM |
| seasportsguy | $25.00 | $25.00 | 8/31/2009 3:48:29 PM |
| gold-tsunami | $25.00 | $25.00 | 8/31/2009 3:48:37 PM |
| Halos2002 | $25.00 | $25.00 | 8/31/2009 3:51:48 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/31/2009 3:58:54 PM |
| gm93001 | $25.00 | $25.00 | 8/31/2009 4:06:10 PM |
| Goodlender42 | $25.00 | $25.00 | 8/31/2009 4:19:25 PM |
| M_V | $33.17 | $33.17 | 8/31/2009 4:20:49 PM |
| RSV | $25.00 | $25.00 | 8/31/2009 4:39:59 PM |
| here2lend | $25.00 | $25.00 | 8/31/2009 4:45:38 PM |
| AP2PLender | $25.00 | $25.00 | 8/31/2009 4:51:33 PM |
| Hokiemon | $43.94 | $43.94 | 8/31/2009 9:00:22 PM |
| ClearLake | $25.00 | $25.00 | 8/31/2009 5:07:20 PM |
| goofy15975 | $25.00 | $25.00 | 8/31/2009 7:05:22 PM |
| spencer14883 | $25.00 | $25.00 | 8/31/2009 5:18:18 PM |
| mt3209 | $25.00 | $25.00 | 8/31/2009 9:35:15 PM |
| wormdc | $25.00 | $25.00 | 8/31/2009 11:15:30 PM |
| szetowski | $25.00 | $25.00 | 9/1/2009 3:20:53 AM |
| market-assembler | $25.00 | $25.00 | 9/1/2009 12:08:18 PM |
| minista | $25.00 | $25.00 | 9/1/2009 3:27:35 PM |
| impartial-deal | $25.00 | $25.00 | 9/1/2009 3:51:51 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 9/1/2009 3:52:20 PM |
| JCMC | $50.00 | $50.00 | 9/1/2009 3:40:12 PM |
| LenderIntegrity24 | $25.00 | $25.00 | 9/1/2009 3:52:03 PM |
| Halehuaka_i | $50.00 | $50.00 | 9/1/2009 4:04:53 PM |
| Hogpilot | $25.00 | $25.00 | 9/1/2009 2:30:46 PM |
| kenyonhillbilly | $50.00 | $50.00 | 9/1/2009 3:21:18 PM |
| mathprof | $25.00 | $25.00 | 9/1/2009 3:27:42 PM |
| jetblack | $50.00 | $50.00 | 9/1/2009 5:06:10 PM |
| SFBank | $200.00 | $200.00 | 9/1/2009 6:53:42 PM |
| 77 bids
|
Borrower Payment Dependent Notes Series
420693
This series of Notes was issued and sold upon the funding of the borrower loan #38389, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-28-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 11.23% |
Final borrower rate/APR:
| 12.23% / 14.36% |
Final monthly payment:
| $166.62 |
| |
|
Auction yield range:
| 11.18% - 34.00% |
Estimated loss impact:
| 10.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.99% | | |
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:
| 7 |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 2y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,664 |
Occupation: | Clergy |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 50% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| jmstgeorge |
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% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(Apr-2008)
700-720
(Mar-2008)
|
|
Principal balance:
| $3,119.86 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Inclusive Catholic Parish Community
Purpose of loan:
This loan will be used to continue the work of our year+ old established Catholic?parish community to promote and outreach to our community. We will also use these funds to purchase new chairs and needed equipment and to relocate to our own space! We have grown from start-up to 80 members in about a year and a half and we continue to need more space and parking. We have exceeded our first year projections and our new budget for the coming fiscal year is almost $72,000. Please visit us at www.mySaintMiriam.org for more information and to see us!
We are a 501(3)( c) NP Religious Organization with all proper paperwork filed with the Federal and State Government. Our services began 3/27/08. Our year end is June 30.
At the hospital where I serve as trauma chaplain, at least several times each week, I am often called to sit with dying patients and their families. Many of these folks were born and raised Catholic, yet had no clergy to come.?Sadly, many of these people have no priest of their own and I find it is often left to me to bring them reconciliation and sacramental presence.?Now, Saint Miriam offers such a place and it has been well received! We have much media attention and we are excited and work very hard! We also have a transparent policyw ith finances so any member knows exactly where each dollar is spent. Our pastor still take no salary and works three jobs to enable us to grow before adding any salary burdens.
Saint Miriam is now a reality and we are growing!?We currently share space through a rental agreement?in the Roxborough section of Philadelphia at 4101 Freeland Avenue, Philadelphia, PA 19128. We are ready to move into our own space by year's end.
My financial situation:
I am a good candidate for this loan because I am an ordained Catholic priest and have strong credit with no late payments. My debt ratio limits my?rating only because of loans to start parish and attend seminary/debt load. I have strong ties to community, the backing of my bishops, I am pastor of a fully operational parish,?and the parish was established with limited outside help. I am completely invested spiritually and financially in her success. Our parish is a Catholic community, but liberal and inclusive to allow persons who feel rejected from the mainstream churches, e.g. Roman Church to have a home. We will repay the loan through donations and board financial commitments as we grow. I also have the ability to pay the loan terms if the venture fails. We have a strong and vested parish board, including a treasurer and?11 other members. We have legal, banking,?and accounting firms full engaged for oversight and advise. We have been current on our current load and never miss a payment! We are ready to grow with your help!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can''t you get a better loan rate through a credit card? Or are you banking on the rate being bid down? - SqueezeKing
A:
credit cards are too opened ended to be funded by a community. Of course we feel this rate will come down. Our last loan did and we are well on our way to paying it off.
Thank you.
(Aug-27-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IM-SHARKY | $5,000.00 | $5,000.00 | 8/28/2009 5:36:26 PM |
| 1 bids
|
Borrower Payment Dependent Notes Series
420755
This series of Notes was issued and sold upon the funding of the borrower loan #38444, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 8.13% |
Starting borrower rate/APR:
| 9.13% / 11.23% |
Starting monthly payment:
| $79.65 |
|
Final lender yield:
| 6.95% |
Final borrower rate/APR:
| 7.95% / 10.03% |
Final monthly payment:
| $78.28 |
| |
|
Auction yield range:
| 3.18% - 8.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 860-880 (Jul-2009) |
Current / open credit lines:
| 16
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 13y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $23,680 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 11% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| established-note |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying bills for special needs chil
Purpose of loan:
This loan will be used to? pay off debt incurred by high priced child care for my?child with special needs.
My financial situation:
I am a good candidate for this loan because? my child is now in school full time (summers also) and I am able to work more consistent hours.? I have been employed by the same company for over 13 years and my position is secure.
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) |
|
| greenback-floret | $25.00 | $25.00 | 8/17/2009 4:08:55 PM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/17/2009 4:10:06 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/17/2009 4:10:21 PM |
| thedoctor | $25.00 | $25.00 | 8/17/2009 4:10:02 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/17/2009 4:11:05 PM |
| abuyama22 | $25.00 | $25.00 | 8/17/2009 4:12:20 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/17/2009 4:13:00 PM |
| mathprof | $25.00 | $25.00 | 8/17/2009 4:12:37 PM |
| skuba | $50.00 | $50.00 | 8/17/2009 4:12:47 PM |
| shadowflame_99 | $25.00 | $25.00 | 8/17/2009 4:26:07 PM |
| anton | $50.00 | $50.00 | 8/17/2009 4:45:46 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/17/2009 6:40:51 PM |
| seasportsguy | $25.00 | $25.00 | 8/17/2009 9:11:21 PM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:32:32 AM |
| shanedog | $25.00 | $25.00 | 8/18/2009 1:55:43 PM |
| treeline | $50.00 | $50.00 | 8/18/2009 4:24:42 PM |
| Patter256 | $25.00 | $25.00 | 8/18/2009 4:24:44 PM |
| Avala | $25.00 | $25.00 | 8/18/2009 4:24:39 PM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:48:10 AM |
| fortytwo | $25.59 | $25.59 | 8/19/2009 11:27:23 PM |
| SchaeferJ | $25.00 | $25.00 | 8/20/2009 10:37:25 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 8/24/2009 5:04:58 AM |
| dman1024 | $25.00 | $25.00 | 8/25/2009 1:05:14 PM |
| ivar | $25.00 | $25.00 | 8/25/2009 6:52:35 PM |
| payontime1 | $50.00 | $50.00 | 8/25/2009 7:25:18 PM |
| Algaes | $25.00 | $25.00 | 8/27/2009 11:28:18 AM |
| unequaled-worth | $25.00 | $25.00 | 8/27/2009 3:46:36 PM |
| outofoffice | $50.00 | $50.00 | 8/27/2009 9:17:30 PM |
| scref | $25.00 | $25.00 | 8/28/2009 9:30:31 AM |
| matthewrburk | $100.00 | $100.00 | 8/28/2009 12:23:18 PM |
| theloanteacher | $25.00 | $25.00 | 8/31/2009 8:34:31 AM |
| damage | $25.00 | $25.00 | 8/31/2009 8:11:09 AM |
| maccpro1 | $50.00 | $50.00 | 8/31/2009 11:51:20 AM |
| flshdaskll | $25.00 | $25.00 | 8/31/2009 9:02:09 AM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 10:35:58 AM |
| UC3307 | $100.00 | $100.00 | 8/31/2009 11:19:56 AM |
| kf88 | $50.00 | $50.00 | 8/31/2009 1:06:41 PM |
| don8ter | $60.00 | $60.00 | 8/17/2009 4:09:49 PM |
| honorable-yield | $50.00 | $50.00 | 8/17/2009 4:10:46 PM |
| Sid-K | $50.00 | $50.00 | 8/17/2009 4:11:58 PM |
| elated-justice | $25.00 | $25.00 | 8/17/2009 4:11:36 PM |
| DukSerduk | $25.00 | $25.00 | 8/17/2009 4:12:07 PM |
| 888168 | $50.00 | $50.00 | 8/17/2009 4:12:28 PM |
| Artist_Blue | $25.00 | $25.00 | 8/17/2009 4:13:14 PM |
| bchen78875 | $50.00 | $50.00 | 8/17/2009 4:13:26 PM |
| ClearLake | $25.00 | $25.00 | 8/17/2009 4:17:22 PM |
| income-excellence1 | $25.00 | $25.00 | 8/17/2009 4:16:59 PM |
| lowestghost | $25.00 | $25.00 | 8/17/2009 4:17:06 PM |
| d3global | $25.00 | $25.00 | 8/17/2009 6:32:16 PM |
| ekmendenhall | $25.00 | $25.00 | 8/17/2009 7:46:47 PM |
| cyberie21 | $40.00 | $40.00 | 8/18/2009 4:24:40 PM |
| money-shaker | $25.00 | $25.00 | 8/18/2009 4:24:58 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:36:12 PM |
| BookandLaw | $25.00 | $24.41 | 8/19/2009 9:09:17 AM |
| dollars4debts | $25.00 | $25.00 | 8/20/2009 6:33:15 AM |
| sgmm330 | $25.00 | $25.00 | 8/20/2009 9:31:23 PM |
| market-assembler | $25.00 | $25.00 | 8/21/2009 5:03:27 PM |
| HealthAndSafety | $100.00 | $100.00 | 8/22/2009 6:44:09 AM |
| hellasow | $25.00 | $25.00 | 8/22/2009 12:05:01 PM |
| plbquic | $50.00 | $50.00 | 8/24/2009 12:14:30 PM |
| ChristopherHS | $25.00 | $25.00 | 8/24/2009 4:57:39 PM |
| Auditman | $50.00 | $50.00 | 8/26/2009 5:54:59 PM |
| Tulalue | $25.00 | $25.00 | 8/27/2009 5:41:00 AM |
| Okeey | $25.00 | $25.00 | 8/27/2009 11:28:20 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/27/2009 5:12:16 PM |
| virujava | $25.00 | $25.00 | 8/27/2009 10:18:36 PM |
| nestegg4e | $25.00 | $25.00 | 8/28/2009 6:31:44 PM |
| julijask | $25.00 | $25.00 | 8/29/2009 10:53:24 AM |
| festivecpl | $25.00 | $25.00 | 8/30/2009 12:27:38 PM |
| gothampark | $25.00 | $25.00 | 8/30/2009 4:01:30 PM |
| blot44 | $50.00 | $50.00 | 8/31/2009 7:46:28 AM |
| axelducheck | $25.00 | $25.00 | 8/31/2009 8:35:24 AM |
| octoberfresh | $25.00 | $25.00 | 8/31/2009 1:04:45 PM |
| loanshark62 | $25.00 | $25.00 | 8/31/2009 2:57:14 PM |
| 74 bids
|
Borrower Payment Dependent Notes Series
420825
This series of Notes was issued and sold upon the funding of the borrower loan #38401, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 26.43% |
Starting borrower rate/APR:
| 27.43% / 29.77% |
Starting monthly payment:
| $123.17 |
|
Final lender yield:
| 18.00% |
Final borrower rate/APR:
| 19.00% / 21.22% |
Final monthly payment:
| $109.97 |
| |
|
Auction yield range:
| 11.18% - 26.43% |
Estimated loss impact:
| 10.42% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.58% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 7 |
First credit line:
| Jul-1990 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 55 | Length of status: | 15y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,364 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 49% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| ttaylo59 |
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:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 620-640
(Aug-2008)
620-640
(Jul-2008)
620-640
(Jun-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
D how? 680-700 Cr 1st loan pd.
Purpose of loan:
I like to thank everyone who gave me a chance on my first loan with prosper. I hope that some of you will help me out once again. I would like to thank any new lenders who will give me a chance.
I've kept my promise I paid the first loan off in 6 mo. never late.
This loan will be used to?help my daughter?pay for her college tution. She is trying to go to nursing school. She can't get anymore loans on her own.
Please trust in me again I won't let you down. I'm not sure why prosper rated me?D with a credit score between 680-700.
I'm trying to get a interest rate of 15% or less. because of the hr rating it won't let me put that request in. So i'm asking on this listing to help me .
My financial situation:
I am a good candidate for this loan because I pay all my bills? and I have a good steady job.? I'm not a? risk I just want a good interest rate and also I rather pay you the interest instead of the banks.
Funds will come out my account automatically. ( I have direct deposit)
Monthly net income: $ 6100 between my husband and myself.
Monthly expenses: $?5000 ( I pay half )
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
More infor on housing please, do you own or rent? - Tulalue
A:
I own.
(Aug-28-2009)
Q:
Hello, I see you paid off your first Prosper loan in about 6 months. How long do you plan to keep this loan?
Thank you - CA_Lender
A:
I plan on paying this loan off in 1 yr. or less. I want to show lenders once again that I do pay my bills no matter how Prosper rates me.
(Aug-30-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Rosencranz | $25.00 | $25.00 | 8/17/2009 4:37:50 PM |
| lasalle123 | $50.00 | $50.00 | 8/18/2009 7:35:46 PM |
| spudbeach | $50.00 | $50.00 | 8/18/2009 8:33:42 PM |
| beuford7 | $50.00 | $50.00 | 8/19/2009 3:31:29 PM |
| dudebrah | $25.00 | $25.00 | 8/19/2009 8:49:59 PM |
| Anamorph | $25.00 | $25.00 | 8/25/2009 9:47:40 PM |
| payontime1 | $50.00 | $50.00 | 8/25/2009 7:21:39 PM |
| gethope | $25.00 | $25.00 | 8/25/2009 7:35:21 PM |
| kaianja | $50.00 | $50.00 | 8/25/2009 8:16:31 PM |
| dynamicefficiency | $138.00 | $138.00 | 8/25/2009 9:09:08 PM |
| tashara | $25.00 | $25.00 | 8/26/2009 5:06:35 PM |
| vmh20035 | $50.00 | $50.00 | 8/27/2009 5:12:24 PM |
| marwadi-62 | $25.00 | $25.00 | 8/27/2009 6:00:46 PM |
| scott_hyperion | $25.00 | $25.00 | 8/28/2009 2:06:33 PM |
| DalCowboys | $25.00 | $25.00 | 8/28/2009 7:22:28 PM |
| UKJase | $25.00 | $25.00 | 8/29/2009 9:00:47 AM |
| a2190b | $72.00 | $72.00 | 8/29/2009 3:33:04 PM |
| Kash2010lu | $25.00 | $25.00 | 8/30/2009 12:37:33 PM |
| CA_Lender | $25.00 | $25.00 | 8/30/2009 2:49:33 PM |
| nashibaksi | $100.00 | $100.00 | 8/30/2009 7:20:54 PM |
| BlackFred | $50.00 | $50.00 | 8/30/2009 10:35:02 PM |
| Galdis | $25.00 | $25.00 | 8/30/2009 4:11:47 PM |
| leverage-britches | $25.00 | $25.00 | 8/30/2009 9:39:12 PM |
| wellsfrugal | $25.00 | $25.00 | 8/31/2009 1:27:10 AM |
| seadogs | $25.00 | $25.00 | 8/31/2009 3:55:14 AM |
| the_prince | $50.00 | $50.00 | 8/31/2009 5:28:37 AM |
| carmat60 | $25.00 | $25.00 | 8/30/2009 9:53:22 PM |
| mchoops21 | $25.00 | $25.00 | 8/31/2009 11:24:22 AM |
| foothillender | $25.00 | $25.00 | 8/31/2009 10:03:29 AM |
| daekpon | $25.00 | $25.00 | 8/31/2009 9:03:33 AM |
| maga | $200.00 | $200.00 | 8/31/2009 2:59:52 PM |
| kinetic-social | $25.00 | $25.00 | 8/31/2009 2:54:26 PM |
| boodo | $100.00 | $100.00 | 8/31/2009 2:14:56 PM |
| punctual-worth | $50.00 | $50.00 | 8/31/2009 3:53:56 PM |
| Barrayaran | $25.00 | $25.00 | 8/20/2009 12:18:41 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/21/2009 10:45:03 PM |
| brit11 | $50.00 | $50.00 | 8/23/2009 12:24:51 AM |
| Dollars4Rent | $25.00 | $25.00 | 8/24/2009 8:17:27 AM |
| infomas | $50.00 | $50.00 | 8/25/2009 11:18:15 PM |
| Jinja | $25.00 | $15.00 | 8/26/2009 6:52:39 AM |
| Personal-Bond | $50.00 | $50.00 | 8/25/2009 8:18:09 PM |
| auddoc | $50.00 | $50.00 | 8/25/2009 10:08:34 PM |
| CoolPlexer | $50.00 | $50.00 | 8/26/2009 6:27:50 PM |
| Mission1 | $25.00 | $25.00 | 8/27/2009 10:13:15 PM |
| golffish2 | $100.00 | $100.00 | 8/28/2009 6:16:06 AM |
| taggl | $500.00 | $500.00 | 8/28/2009 2:45:13 PM |
| myidear | $25.00 | $25.00 | 8/29/2009 5:13:05 AM |
| Leshan | $50.00 | $50.00 | 8/29/2009 6:26:54 AM |
| StargazerLending | $25.00 | $25.00 | 8/29/2009 11:28:06 AM |
| LA-Funding-Bank | $25.00 | $25.00 | 8/30/2009 11:46:49 AM |
| macbeck22 | $75.00 | $75.00 | 8/30/2009 9:33:52 AM |
| ksubd | $50.00 | $50.00 | 8/30/2009 10:33:59 PM |
| zxr | $25.00 | $25.00 | 8/31/2009 7:52:49 AM |
| JJ-Loans | $100.00 | $100.00 | 8/31/2009 2:17:14 PM |
| shellstar | $25.00 | $25.00 | 8/31/2009 3:38:03 PM |
| power-expert | $25.00 | $25.00 | 8/31/2009 3:05:54 PM |
| gpuck | $25.00 | $25.00 | 8/31/2009 3:35:42 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/31/2009 4:02:14 PM |
| 58 bids
|
Borrower Payment Dependent Notes Series
420827
This series of Notes was issued and sold upon the funding of the borrower loan #38418, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,250.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-17-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Aug-31-2009 |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $266.20 |
|
Final lender yield:
| 8.45% |
Final borrower rate/APR:
| 9.45% / 11.55% |
Final monthly payment:
| $264.08 |
| |
|
Auction yield range:
| 3.18% - 9.00% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 800-820 (Aug-2009) |
Current / open credit lines:
| 11
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,416 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 21% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| cactus70 |
Borrower's state:
| Connecticut |
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
Replace my 1942 Cast Iron Boiler
Purpose of loan:
This loan will be used to?
Hi, we need to replace our furnace a 1942 cast iron boiler.? Keep in mind I am only using my credit score to create this listing.? My wife also works and makes almost the same exact salary as me (her credit score is even better than mine - 800's).? She is a 20 year project director at an insurance company in CT and I am a Software Engineer.
We are recently married and purchased our house 3 years ago.? Shortly after we purchased our home the real estate market took a nosedive and erased?a lot of our?equity.? We are in excellent financial shape and would rather not get a traditional loan or put anything on our credit cards.? We are big fans of the peer to peer market.? I have invested some money myself over the past couple of years (until Connecticut was locked out).
My financial situation:
I am a good candidate for this loan because?
My wife and I have excellent jobs with excellent salaries.? We have one child (he is in his 20's).?
Our combined salary is approx 180.
We are big fans of peer to peer lending and we are looking to avoid the conventional loan market.
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) |
|
| brightest-revenue-spark | $25.00 | $25.00 | 8/17/2009 4:08:39 PM |
| greenback-floret | $25.00 | $25.00 | 8/17/2009 4:08:57 PM |
| don8ter | $60.00 | $60.00 | 8/17/2009 4:09:53 PM |
| turbostar666 | $50.00 | $50.00 | 8/17/2009 4:11:27 PM |
| turbospeed | $25.00 | $25.00 | 8/17/2009 4:11:49 PM |
| DukSerduk | $25.00 | $25.00 | 8/17/2009 4:12:12 PM |
| skuba | $50.00 | $50.00 | 8/17/2009 4:12:51 PM |
| 888168 | $50.00 | $50.00 | 8/17/2009 4:12:31 PM |
| lowestghost | $25.00 | $25.00 | 8/17/2009 4:17:08 PM |
| anton | $50.00 | $50.00 | 8/17/2009 4:45:51 PM |
| Syzygy | $25.00 | $25.00 | 8/17/2009 11:10:00 PM |
| ClearLake | $25.00 | $25.00 | 8/18/2009 1:02:21 PM |
| income-excellence1 | $25.00 | $25.00 | 8/18/2009 1:02:54 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:36:16 PM |
| copiosus | $25.00 | $25.00 | 8/18/2009 6:34:27 PM |
| spudbeach | $44.40 | $44.40 | 8/18/2009 8:34:12 PM |
| PotBellyPete | $25.00 | $25.00 | 8/19/2009 7:24:11 AM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:48:22 AM |
| zento | $25.00 | $25.00 | 8/19/2009 7:53:03 AM |
| Warbler | $25.00 | $25.00 | 8/19/2009 1:33:24 PM |
| eyewillfindu | $25.00 | $25.00 | 8/19/2009 3:40:20 PM |
| elated-justice | $25.00 | $25.00 | 8/20/2009 4:32:40 AM |
| abuyama22 | $25.00 | $25.00 | 8/20/2009 4:32:47 AM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 3:51:17 PM |
| IceFisherman | $51.38 | $51.38 | 8/20/2009 5:18:23 PM |
| Rivermaverick | $60.00 | $60.00 | 8/20/2009 6:02:05 PM |
| calm-p2ploan | $25.00 | $25.00 | 8/20/2009 11:07:27 PM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:33:02 AM |
| sparky1129 | $25.00 | $25.00 | 8/21/2009 12:15:41 PM |
| treeline | $32.58 | $32.58 | 8/21/2009 12:19:06 PM |
| ingeborg77 | $50.00 | $50.00 | 8/21/2009 12:29:00 PM |
| payontime1 | $50.00 | $50.00 | 8/21/2009 3:47:56 PM |
| Barky52 | $25.00 | $25.00 | 8/21/2009 7:09:40 PM |
| brit11 | $75.00 | $75.00 | 8/23/2009 12:17:01 AM |
| tennispt | $50.00 | $50.00 | 8/23/2009 3:41:49 AM |
| KDW08 | $25.00 | $25.00 | 8/23/2009 4:19:48 AM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 8/23/2009 9:57:16 PM |
| whatreality | $25.00 | $25.00 | 8/25/2009 5:51:54 AM |
| JustOneVoice | $25.00 | $25.00 | 8/24/2009 5:25:04 PM |
| ksubd | $50.00 | $50.00 | 8/24/2009 10:12:14 PM |
| enriching-payout | $25.00 | $25.00 | 8/25/2009 10:07:31 AM |
| RandyL3 | $40.95 | $40.95 | 8/25/2009 1:43:21 PM |
| market-assembler | $25.00 | $25.00 | 8/25/2009 3:22:10 PM |
| SOP_Bank | $25.00 | $25.00 | 8/25/2009 6:01:32 PM |
| Ven58 | $25.00 | $25.00 | 8/25/2009 4:26:24 PM |
| Digs | $25.00 | $25.00 | 8/25/2009 6:12:27 PM |
| ajk_blue | $25.00 | $25.00 | 8/25/2009 6:12:12 PM |
| Dollars4Rent | $25.00 | $25.00 | 8/25/2009 7:32:50 PM |
| jetblack | $50.00 | $50.00 | 8/26/2009 6:57:58 AM |
| livingforjesus | $38.00 | $38.00 | 8/26/2009 9:32:29 AM |
| evolsb | $25.00 | $25.00 | 8/26/2009 7:27:35 AM |
| gpuck | $25.00 | $25.00 | 8/26/2009 4:41:38 PM |
| OCLend | $25.00 | $25.00 | 8/26/2009 5:12:22 PM |
| grasscutter | $50.00 | $50.00 | 8/26/2009 7:57:05 PM |
| medman | $25.00 | $25.00 | 8/26/2009 8:14:41 PM |
| beeslow | $44.32 | $44.32 | 8/26/2009 8:57:06 PM |
| buukyak | $25.00 | $25.00 | 8/26/2009 8:43:24 PM |
| loanman2007 | $100.00 | $100.00 | 8/27/2009 9:50:52 AM |
| gm93001 | $100.00 | $100.00 | 8/27/2009 10:22:49 AM |
| Tulalue | $25.00 | $25.00 | 8/27/2009 5:37:23 AM |
| Lotsofbears | $25.00 | $25.00 | 8/27/2009 11:03:36 AM |
| Halos2002 | $50.00 | $50.00 | 8/27/2009 9:14:27 AM |
| Phantom | $50.00 | $50.00 | 8/27/2009 1:25:33 PM |
| John_14_6 | $25.00 | $25.00 | 8/27/2009 4:44:19 PM |
| outofoffice | $50.00 | $50.00 | 8/27/2009 9:18:57 PM |
| aqaq8877 | $100.00 | $100.00 | 8/28/2009 10:26:28 AM |
| power-cell | $50.00 | $50.00 | 8/28/2009 6:27:47 AM |
| khamen | $25.00 | $25.00 | 8/28/2009 2:21:21 AM |
| BSr | $25.00 | $25.00 | 8/28/2009 4:48:09 AM |
| surferracerskaterboy | $50.00 | $50.00 | 8/28/2009 11:34:07 AM |
| Uwantfunds | $50.00 | $50.00 | 8/29/2009 6:10:35 AM |
| llequire1 | $200.00 | $200.00 | 8/29/2009 6:18:52 AM |
| ManhattanLender | $25.00 | $25.00 | 8/29/2009 4:20:17 PM |
| libertas67 | $25.00 | $25.00 | 8/29/2009 7:33:00 AM |
| vikings23 | $25.00 | $25.00 | 8/29/2009 1:03:05 PM |
| whazarook | $25.00 | $25.00 | 8/29/2009 1:54:49 PM |
| CymruAmByth | $50.00 | $50.00 | 8/30/2009 7:24:30 AM |
| jh157765 | $50.00 | $50.00 | 8/30/2009 8:34:59 PM |
| mrreynol | $25.00 | $25.00 | 8/30/2009 7:09:07 PM |
| golffish2 | $100.00 | $100.00 | 8/31/2009 8:02:31 AM |
| zhiguli | $50.00 | $50.00 | 8/31/2009 5:30:28 AM |
| Lender50 | $25.00 | $25.00 | 8/31/2009 10:50:29 AM |
| Algaes | $25.00 | $25.00 | 8/31/2009 8:11:32 AM |
| RandyL3 | $26.64 | $26.64 | 8/31/2009 11:05:25 AM |
| UC3307 | $100.00 | $100.00 | 8/31/2009 11:24:49 AM |
| lostperception | $44.63 | $44.63 | 8/31/2009 12:47:36 PM |
| edognyc | $50.00 | $50.00 | 8/31/2009 11:44:45 AM |
| yield-quest | $25.00 | $25.00 | 8/31/2009 1:27:55 PM |
| ThPIllowSack | $25.00 | $25.00 | 8/31/2009 3:47:51 PM |
| Hogan55 | $50.00 | $50.00 | 8/31/2009 1:49:26 PM |
| loanshark62 | $25.00 | $25.00 | 8/31/2009 2:55:37 PM |
| Iwantahelp | $25.00 | $25.00 | 8/17/2009 4:09:12 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/17/2009 4:10:26 PM |
| honorable-yield | $50.00 | $50.00 | 8/17/2009 4:10:50 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/17/2009 4:11:12 PM |
| Sid-K | $50.00 | $50.00 | 8/17/2009 4:12:00 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/17/2009 4:13:05 PM |
| mathprof | $25.00 | $25.00 | 8/17/2009 4:12:41 PM |
| Artist_Blue | $25.00 | $25.00 | 8/17/2009 4:13:19 PM |
| bchen78875 | $50.00 | $50.00 | 8/17/2009 4:13:32 PM |
| kinetic-truth | $25.00 | $25.00 | 8/17/2009 4:29:31 PM |
| RejhRon | $29.78 | $29.78 | 8/17/2009 5:29:07 PM |
| Hexnut | $50.00 | $50.00 | 8/17/2009 6:42:40 PM |
| ekmendenhall | $25.00 | $25.00 | 8/17/2009 7:46:51 PM |
| seasportsguy | $25.00 | $25.00 | 8/17/2009 9:11:26 PM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:32:34 AM |
| whitegold24k | $36.89 | $36.89 | 8/18/2009 1:02:37 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/18/2009 1:02:18 PM |
| thedoctor | $25.00 | $25.00 | 8/18/2009 1:03:00 PM |
| vegibenz | $25.00 | $25.00 | 8/18/2009 4:03:01 PM |
| MidnightBank | $25.00 | $25.00 | 8/18/2009 6:56:01 PM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:22 AM |
| kawakami | $25.00 | $25.00 | 8/19/2009 10:07:43 AM |
| Halos2002 | $50.00 | $50.00 | 8/19/2009 9:27:52 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 8/19/2009 2:21:01 PM |
| shanedog | $25.00 | $25.00 | 8/19/2009 1:43:55 PM |
| r1g3l | $25.00 | $25.00 | 8/19/2009 6:27:18 PM |
| Goodlender42 | $25.00 | $25.00 | 8/20/2009 4:33:07 AM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:48 PM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:42 AM |
| julijask | $25.00 | $25.00 | 8/20/2009 4:34:33 PM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:36 AM |
| d3global | $25.00 | $25.00 | 8/21/2009 10:57:38 AM |
| McChan | $50.00 | $50.00 | 8/21/2009 11:21:50 AM |
| happyface | $50.00 | $50.00 | 8/21/2009 12:27:37 PM |
| blot44 | $50.00 | $50.00 | 8/21/2009 1:34:25 PM |
| cyberie21 | $40.00 | $32.66 | 8/21/2009 4:01:42 PM |
| hellasow | $25.00 | $25.00 | 8/22/2009 12:14:32 PM |
| Unitas4302 | $100.00 | $100.00 | 8/23/2009 12:10:47 PM |
| LandE2BG | $50.00 | $50.00 | 8/23/2009 1:37:17 PM |
| afford83 | $25.00 | $25.00 | 8/23/2009 2:26:50 PM |
| chesterCFO | $25.00 | $25.00 | 8/23/2009 7:01:02 PM |
| axelducheck | $25.00 | $25.00 | 8/24/2009 7:47:16 AM |
| AJ8981 | $39.46 | $39.46 | 8/24/2009 11:12:10 AM |
| Jiangtao | $25.00 | $25.00 | 8/24/2009 3:20:12 PM |
| aprilapril | $25.00 | $25.00 | 8/24/2009 11:01:23 AM |
| nolahelper | $75.00 | $75.00 | 8/25/2009 6:22:38 AM |
| justin323 | $50.00 | $50.00 | 8/24/2009 5:55:50 PM |
| minista | $25.00 | $25.00 | 8/25/2009 6:12:39 PM |
| richmondcowboy | $50.00 | $50.00 | 8/25/2009 9:52:23 PM |
| merciful-yield | $100.00 | $100.00 | 8/26/2009 7:54:24 AM |
| mlj0671 | $100.00 | $100.00 | 8/26/2009 7:50:12 AM |
| EmeritusX | $25.00 | $25.00 | 8/26/2009 7:57:16 AM |
| mlj0671 | $100.00 | $100.00 | 8/26/2009 8:17:55 AM |
| Dragline | $100.00 | $100.00 | 8/26/2009 8:19:32 AM |
| Planecourage | $40.91 | $40.91 | 8/26/2009 1:32:36 PM |
| iruz | $40.00 | $40.00 | 8/26/2009 5:12:48 PM |
| FundMaker | $25.00 | $25.00 | 8/26/2009 5:16:46 PM |
| SueChicago | $25.00 | $25.00 | 8/26/2009 7:04:02 PM |
| Auditman | $50.00 | $50.00 | 8/26/2009 5:57:20 PM |
| enigmallc | $100.00 | $100.00 | 8/26/2009 8:37:03 PM |
| cippy | $100.00 | $100.00 | 8/26/2009 8:43:32 PM |
| r1j2r3 | $25.00 | $25.00 | 8/27/2009 7:58:55 AM |
| JACJ | $25.00 | $25.00 | 8/27/2009 3:56:16 AM |
| payout-magician | $25.00 | $25.00 | 8/27/2009 6:22:50 AM |
| lean-investment | $50.00 | $50.00 | 8/27/2009 9:33:40 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/27/2009 7:51:27 AM |
| Firescreek | $25.00 | $25.00 | 8/27/2009 12:50:48 PM |
| icanloanit2u | $25.00 | $25.00 | 8/28/2009 5:44:16 AM |
| finagler | $49.40 | $49.40 | 8/27/2009 8:57:05 PM |
| RadarLuv | $25.00 | $25.00 | 8/28/2009 4:07:28 AM |
| Eagledrop | $25.00 | $25.00 | 8/28/2009 6:56:30 AM |
| alydad1 | $25.00 | $25.00 | 8/28/2009 11:02:55 AM |
| MadisonMicroBank | $50.00 | $50.00 | 8/28/2009 12:20:24 PM |
| RETIRED2007 | $25.00 | $25.00 | 8/28/2009 4:18:30 PM |
| HOPPS | $25.00 | $25.00 | 8/28/2009 9:32:11 PM |
| redrose1518 | $25.00 | $25.00 | 8/28/2009 5:57:58 PM |
| glazeddonuts | $25.00 | $25.00 | 8/28/2009 11:04:15 PM |
| joelsar | $25.00 | $25.00 | 8/28/2009 6:57:07 PM |
| bkb7484 | $25.00 | $25.00 | 8/29/2009 12:36:28 AM |
| festivecpl | $25.00 | $25.00 | 8/29/2009 5:13:23 AM |
| JerryB96 | $25.00 | $25.00 | 8/29/2009 8:59:02 AM |
| lazyeye | $59.68 | $59.68 | 8/29/2009 1:46:50 PM |
| payout-magician | $25.00 | $25.00 | 8/30/2009 10:49:24 AM |
| USCGC | $100.00 | $100.00 | 8/30/2009 6:32:47 AM |
| Charmart | $25.00 | $25.00 | 8/30/2009 4:40:56 PM |
| Richmp412 | $25.00 | $25.00 | 8/30/2009 6:28:49 AM |
| senior1 | $25.00 | $25.00 | 8/30/2009 12:25:51 PM |
| shellstar | $25.00 | $25.00 | 8/30/2009 1:43:04 PM |
| gothampark | $50.00 | $50.00 | 8/30/2009 7:12:48 PM |
| murren | $50.00 | $50.00 | 8/30/2009 3:03:59 PM |
| lucygirl2 | $50.00 | $50.00 | 8/30/2009 7:47:42 PM |
| kinetic-social | $50.00 | $50.00 | 8/30/2009 3:57:42 PM |
| JohnSmith10 | $25.00 | $25.00 | 8/30/2009 11:07:35 AM |
| Canute | $28.32 | $28.32 | 8/31/2009 7:14:55 AM |
| Ven58 | $25.00 | $25.00 | 8/31/2009 5:31:20 AM |
| mcabery | $100.00 | $100.00 | 8/30/2009 11:18:35 PM |
| verse99 | $50.00 | $50.00 | 8/31/2009 9:51:14 AM |
| mrxtravis | $25.00 | $25.00 | 8/31/2009 5:30:49 AM |
| Okeey | $25.00 | $25.00 | 8/31/2009 5:31:10 AM |
| busybee999 | $25.00 | $25.00 | 8/31/2009 3:47:32 PM |
| maga | $200.00 | $200.00 | 8/31/2009 2:56:51 PM |
| Money2Lend_U | $400.00 | $400.00 | 8/31/2009 3:53:35 PM |
| 193 bids
|
Borrower Payment Dependent Notes Series
421127
This series of Notes was issued and sold upon the funding of the borrower loan #38412, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-18-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 27.43% |
Starting borrower rate/APR:
| 28.43% / 30.79% |
Starting monthly payment:
| $207.98 |
|
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $202.52 |
| |
|
Auction yield range:
| 11.18% - 27.43% |
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:
| Jul-1998 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 640-660 (Aug-2009) |
Current / open credit lines:
| 20
/
18 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $26,933 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 76% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| courageous-value |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay some debt and cost of wedding
Purpose of loan:
This loan will be used to pay off some debt and help pay some of the cost of our wedding.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on-time. I have a strong job position as a project manager. I never miss a payment.?I do own a home and if it weren't for this housing crisis I'de be able to do a cash-out refi. The current market demand has hindered my ability to do so right now. As the market get's stronger I will be able to repay this loan off with the cash-out refi that I orginally planned.
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $?1120
??Insurance: $ 180
??Car expenses: $ 800
??Utilities: $ 200
??Phone, cable, internet: $ 258
??Food, entertainment: $ 560
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| delivery | $25.00 | $25.00 | 8/18/2009 4:14:34 PM |
| Mantis75 | $25.00 | $25.00 | 8/18/2009 4:16:08 PM |
| secobarbital | $25.00 | $25.00 | 8/18/2009 4:14:23 PM |
| thedreamer | $25.00 | $25.00 | 8/18/2009 4:14:27 PM |
| Kaj | $25.00 | $25.00 | 8/19/2009 7:48:51 AM |
| GMPK_TLAS | $25.00 | $25.00 | 8/22/2009 8:27:59 AM |
| FeedTheMachine | $150.00 | $150.00 | 8/24/2009 10:06:17 AM |
| anton | $25.00 | $25.00 | 8/24/2009 10:22:58 AM |
| willingnjc | $25.00 | $25.00 | 8/24/2009 10:23:05 AM |
| kmavm | $25.00 | $25.00 | 8/24/2009 2:27:38 PM |
| ChrisTJ | $25.00 | $25.00 | 8/24/2009 10:22:25 AM |
| impressive-loan | $25.00 | $25.00 | 8/24/2009 3:22:45 PM |
| SNH | $25.00 | $25.00 | 8/25/2009 5:17:15 AM |
| fortytwo | $25.00 | $25.00 | 8/25/2009 7:33:53 AM |
| punctual-worth | $25.00 | $25.00 | 8/25/2009 9:33:19 AM |
| jgar_O | $25.00 | $25.00 | 8/26/2009 1:15:33 PM |
| dinero-mason | $50.00 | $50.00 | 8/27/2009 6:12:29 AM |
| KiwiElf | $50.00 | $50.00 | 8/27/2009 11:37:21 AM |
| personal-lender | $25.00 | $25.00 | 8/27/2009 2:23:14 PM |
| skro | $25.00 | $25.00 | 8/27/2009 5:15:42 PM |
| ChrisKwan | $25.00 | $25.00 | 8/28/2009 6:50:53 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/28/2009 8:56:00 AM |
| natecam | $25.00 | $25.00 | 8/28/2009 11:48:30 AM |
| johnayan | $25.00 | $25.00 | 8/28/2009 5:48:11 PM |
| lending_pugs | $25.00 | $25.00 | 8/28/2009 5:37:49 PM |
| jdc10128 | $25.00 | $25.00 | 8/28/2009 5:38:15 PM |
| LAM26 | $25.00 | $25.00 | 8/28/2009 5:38:55 PM |
| JRHdocRN | $25.00 | $25.00 | 8/28/2009 8:50:18 PM |
| TrustinOthers | $25.00 | $25.00 | 8/29/2009 11:11:41 AM |
| Unitas4302 | $50.00 | $50.00 | 8/29/2009 2:53:33 PM |
| dbmurch | $25.00 | $25.00 | 8/29/2009 8:52:02 PM |
| Fernpatch_autoshop | $25.00 | $25.00 | 8/29/2009 12:51:56 PM |
| showmestatekid | $25.00 | $25.00 | 8/30/2009 10:55:41 AM |
| csarradio | $25.00 | $25.00 | 8/30/2009 1:35:17 PM |
| econman1 | $25.00 | $25.00 | 8/30/2009 2:05:18 PM |
| zeelender | $25.00 | $25.00 | 8/30/2009 10:25:22 AM |
| HunterSix | $25.00 | $25.00 | 8/30/2009 12:20:21 PM |
| ctgscott | $25.00 | $25.00 | 8/30/2009 2:16:26 PM |
| draggon77 | $25.00 | $25.00 | 8/30/2009 1:25:17 PM |
| honorable-yield | $25.00 | $25.00 | 8/31/2009 6:05:40 AM |
| ramsbladder | $25.00 | $25.00 | 8/31/2009 6:55:24 AM |
| GElender | $25.00 | $25.00 | 8/30/2009 7:27:09 PM |
| Hokiemon | $25.00 | $25.00 | 8/31/2009 8:12:13 AM |
| KevinC_63366 | $25.00 | $25.00 | 8/31/2009 5:45:37 AM |
| loan-master996 | $32.64 | $32.64 | 8/30/2009 11:01:25 PM |
| satanichammy | $25.00 | $25.00 | 8/31/2009 1:50:24 AM |
| mizunoman | $25.00 | $25.00 | 8/31/2009 8:05:25 AM |
| mrzz | $25.00 | $25.00 | 8/31/2009 8:35:20 AM |
| Papa_Mema | $50.00 | $50.00 | 8/31/2009 6:35:16 AM |
| Toby1montana | $50.00 | $50.00 | 8/31/2009 8:50:17 AM |
| hektek22 | $300.00 | $300.00 | 8/31/2009 3:03:03 PM |
| punctual-worth | $50.00 | $50.00 | 8/31/2009 3:51:27 PM |
| LibbyZ | $33.23 | $33.23 | 8/31/2009 4:53:17 PM |
| PotBellyPete | $25.00 | $25.00 | 8/31/2009 8:55:32 PM |
| unger | $344.79 | $344.79 | 8/31/2009 11:32:03 PM |
| photo999 | $25.00 | $25.00 | 9/1/2009 4:51:08 AM |
| Bobusa | $25.00 | $25.00 | 9/1/2009 4:55:39 AM |
| money-expert | $25.00 | $25.00 | 9/1/2009 6:18:27 AM |
| unbeatable-wealth | $25.00 | $25.00 | 8/31/2009 8:19:43 PM |
| carmat60 | $25.00 | $25.00 | 9/1/2009 2:08:29 AM |
| DG2007 | $25.00 | $25.00 | 9/1/2009 9:20:43 AM |
| Taho | $50.00 | $50.00 | 9/1/2009 6:24:20 AM |
| Galdis | $25.00 | $25.00 | 9/1/2009 5:43:48 AM |
| maga | $50.00 | $50.00 | 9/1/2009 10:53:23 AM |
| napaone | $50.00 | $50.00 | 9/1/2009 11:06:11 AM |
| Leshan | $50.00 | $50.00 | 9/1/2009 4:04:13 PM |
| coyone | $55.14 | $55.14 | 9/1/2009 1:57:54 PM |
| bartenderpro | $25.00 | $25.00 | 9/1/2009 12:55:29 PM |
| glazeddonuts | $25.00 | $25.00 | 9/1/2009 1:26:07 PM |
| DMKAssetManagement | $40.00 | $40.00 | 9/1/2009 2:43:55 PM |
| leverage-hawk | $25.00 | $25.00 | 9/1/2009 4:01:02 PM |
| Engineer44 | $30.00 | $30.00 | 9/1/2009 4:12:56 PM |
| seisen | $33.77 | $33.77 | 8/20/2009 2:22:37 PM |
| Sateesh | $100.00 | $100.00 | 8/23/2009 7:27:47 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/23/2009 7:07:28 PM |
| lagnisiruk | $25.00 | $25.00 | 8/24/2009 10:12:29 AM |
| impasse1 | $25.00 | $25.00 | 8/25/2009 6:55:46 PM |
| testobsessed | $100.00 | $100.00 | 8/26/2009 9:53:17 AM |
| biobulator | $25.00 | $25.00 | 8/26/2009 1:27:24 PM |
| goofy15975 | $25.00 | $25.00 | 8/27/2009 6:17:39 AM |
| Artist_Blue | $25.00 | $25.00 | 8/27/2009 5:13:16 PM |
| mwl | $25.00 | $25.00 | 8/28/2009 11:31:44 AM |
| MicroPod | $25.00 | $25.00 | 8/28/2009 11:47:01 AM |
| CarDealer3070 | $30.00 | $30.00 | 8/28/2009 12:57:46 PM |
| rmachi | $25.00 | $25.00 | 8/28/2009 5:37:41 PM |
| decisive-capital | $40.00 | $40.00 | 8/28/2009 5:47:51 PM |
| whatknows | $25.00 | $25.00 | 8/28/2009 6:46:03 PM |
| sk8ndive | $25.00 | $25.00 | 8/28/2009 5:36:53 PM |
| yarg | $25.00 | $25.00 | 8/28/2009 5:38:39 PM |
| schnatty | $25.00 | $25.00 | 8/28/2009 5:48:13 PM |
| lending-bear | $25.00 | $25.00 | 8/28/2009 5:38:07 PM |
| SpareChangeHero | $25.00 | $25.00 | 8/28/2009 5:38:18 PM |
| j-lender | $25.00 | $25.00 | 8/28/2009 5:46:40 PM |
| zrohmm | $25.00 | $25.00 | 8/28/2009 11:35:24 PM |
| pfenness | $44.51 | $44.51 | 8/29/2009 1:02:00 PM |
| gustavzantanon | $25.60 | $25.60 | 8/30/2009 7:46:29 AM |
| ouyangers | $25.00 | $25.00 | 8/30/2009 7:50:20 AM |
| scott1058 | $26.87 | $26.87 | 8/29/2009 3:15:29 PM |
| Gross_Income | $39.76 | $39.76 | 8/30/2009 7:50:19 AM |
| NoMoreDebt4Me | $25.00 | $25.00 | 8/30/2009 2:16:27 PM |
| dough-bear | $50.00 | $50.00 | 8/30/2009 5:07:53 AM |
| Microfinancer | $25.00 | $25.00 | 8/30/2009 4:50:56 PM |
| mercuriant | $25.00 | $25.00 | 8/30/2009 12:41:38 PM |
| slojudy | $25.00 | $25.00 | 8/30/2009 7:40:34 AM |
| puifais | $25.00 | $25.00 | 8/30/2009 7:40:45 AM |
| unclejaef | $25.00 | $25.00 | 8/30/2009 1:31:46 PM |
| LongTail | $25.00 | $25.00 | 8/30/2009 2:15:51 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/30/2009 2:16:37 PM |
| mathprof | $25.00 | $25.00 | 8/30/2009 7:27:07 PM |
| xyzlmno | $25.00 | $25.00 | 8/30/2009 2:16:28 PM |
| a-fund-paradise | $25.00 | $25.00 | 8/30/2009 2:20:14 PM |
| nicklds | $25.00 | $25.00 | 8/30/2009 7:27:10 PM |
| Slowtype | $39.82 | $39.82 | 8/30/2009 9:55:45 PM |
| brmar | $25.00 | $25.00 | 8/31/2009 6:25:15 AM |
| Raetha | $25.00 | $25.00 | 8/30/2009 11:01:29 PM |
| compsciman | $50.00 | $50.00 | 8/31/2009 7:12:18 AM |
| Guerrilla_Man | $25.00 | $25.00 | 8/31/2009 5:36:04 AM |
| YogaDude34 | $25.00 | $25.00 | 8/31/2009 8:16:42 AM |
| BR2006007 | $25.00 | $25.00 | 8/31/2009 8:35:21 AM |
| slcchad | $25.00 | $25.00 | 8/31/2009 7:05:21 AM |
| divedude | $25.00 | $25.00 | 8/31/2009 7:11:18 AM |
| majorf2136 | $25.00 | $25.00 | 8/31/2009 7:12:16 AM |
| Cre8iveCash | $25.00 | $25.00 | 8/31/2009 8:05:29 AM |
| PotBellyPete | $25.00 | $25.00 | 8/31/2009 7:40:14 AM |
| jaynlana | $25.00 | $25.00 | 8/31/2009 8:05:32 AM |
| mc81 | $25.00 | $25.00 | 8/31/2009 9:05:39 AM |
| upc_tnt | $25.00 | $1.87 | 8/31/2009 10:33:33 AM |
| Credit4Talent | $32.00 | $32.00 | 8/31/2009 11:26:42 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/31/2009 9:54:30 PM |
| investment-cluster | $50.00 | $50.00 | 8/31/2009 6:00:53 PM |
| zapquoc | $25.00 | $25.00 | 9/1/2009 5:25:31 AM |
| onecooldrink | $25.00 | $25.00 | 9/1/2009 12:25:01 AM |
| axelducheck | $25.00 | $25.00 | 9/1/2009 8:45:26 AM |
| glenium | $25.00 | $25.00 | 9/1/2009 10:25:32 AM |
| martymaniaman | $25.00 | $25.00 | 9/1/2009 5:59:24 AM |
| shellstar | $25.00 | $25.00 | 9/1/2009 8:26:05 AM |
| dorypro | $25.00 | $25.00 | 9/1/2009 11:26:27 AM |
| verdiprr | $50.00 | $50.00 | 9/1/2009 7:47:13 AM |
| Hokies | $25.00 | $25.00 | 9/1/2009 12:15:16 PM |
| yu-rik | $100.00 | $100.00 | 9/1/2009 3:26:40 PM |
| MrLeft | $25.00 | $25.00 | 9/1/2009 12:42:00 PM |
| impartial-deal | $25.00 | $25.00 | 9/1/2009 3:30:54 PM |
| LeoBUSIIT | $25.00 | $25.00 | 9/1/2009 1:54:34 PM |
| 143 bids
|
Borrower Payment Dependent Notes Series
421281
This series of Notes was issued and sold upon the funding of the borrower loan #38404, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Auction start date:
| Aug-21-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-04-2009 |
|
|
Starting lender yield:
| 10.38% |
Starting borrower rate/APR:
| 11.38% / 13.50% |
Starting monthly payment:
| $82.30 |
|
Final lender yield:
| 10.03% |
Final borrower rate/APR:
| 11.03% / 13.15% |
Final monthly payment:
| $81.88 |
| |
|
Auction yield range:
| 4.18% - 10.38% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Dec-1988 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 700-720 (Aug-2009) |
Current / open credit lines:
| 7
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 6y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,441 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 60% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 7 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| jonka |
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:
| 16 ( 100% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 740-760
(Apr-2008)
|
|
Principal balance:
| $1,724.99 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
roof repair
Purpose of loan:
This loan will be used to repair a leaking roof on our house
My financial situation:
I am a good candidate for this loan because my monthly bills are not high and i would rather pay interest to prosper lenders than the bank.
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) |
|
| Syzygy | $25.00 | $25.00 | 8/21/2009 3:59:06 PM |
| turbostar666 | $50.00 | $50.00 | 8/21/2009 3:59:01 PM |
| PalmTreeIsland | $50.00 | $50.00 | 8/26/2009 4:38:35 PM |
| MJFinancial | $50.00 | $10.85 | 8/30/2009 5:50:01 PM |
| tacopants | $100.00 | $100.00 | 9/1/2009 11:51:31 AM |
| OzGuy609 | $25.00 | $25.00 | 9/2/2009 5:48:03 AM |
| the-owner | $25.00 | $25.00 | 9/2/2009 3:11:49 PM |
| McChan | $100.00 | $100.00 | 9/2/2009 8:32:05 PM |
| CA_Lender | $25.00 | $25.00 | 9/3/2009 7:37:19 PM |
| minista | $25.00 | $25.00 | 9/4/2009 7:28:51 AM |
| Leshan | $100.00 | $100.00 | 9/4/2009 7:41:40 AM |
| marshallmanhattan | $25.00 | $25.00 | 9/4/2009 9:38:24 AM |
| timtheman1 | $25.00 | $25.00 | 9/4/2009 9:56:10 AM |
| Oakland | $50.00 | $50.00 | 9/4/2009 12:38:03 AM |
| Occhy | $25.00 | $25.00 | 9/4/2009 7:46:14 AM |
| wrjdarien1 | $50.00 | $50.00 | 9/4/2009 9:37:11 AM |
| JBA25 | $25.00 | $25.00 | 9/4/2009 9:46:22 AM |
| svandals | $33.06 | $33.06 | 9/4/2009 9:49:59 AM |
| brutusbone | $58.35 | $58.35 | 9/4/2009 8:10:00 AM |
| CERTIFIED | $100.00 | $100.00 | 9/4/2009 8:53:08 AM |
| kf88 | $50.00 | $50.00 | 9/4/2009 10:29:49 AM |
| ronin4sale | $25.00 | $25.00 | 9/4/2009 11:00:50 AM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/4/2009 11:44:04 AM |
| IM-SHARKY | $250.00 | $250.00 | 9/4/2009 3:52:43 PM |
| colorfulgardener | $50.00 | $50.00 | 9/4/2009 3:46:19 PM |
| MidnightBank | $25.00 | $25.00 | 8/24/2009 7:47:16 AM |
| vegibenz | $25.00 | $25.00 | 8/24/2009 12:52:30 PM |
| preciouschild | $125.00 | $125.00 | 8/29/2009 9:12:33 AM |
| Ven58 | $25.00 | $25.00 | 8/30/2009 12:10:17 PM |
| CallMeBen | $25.00 | $25.00 | 8/31/2009 5:08:12 PM |
| namd | $50.00 | $50.00 | 8/31/2009 9:06:57 PM |
| k219824 | $130.00 | $130.00 | 9/1/2009 1:08:46 PM |
| irishcocacola | $25.00 | $25.00 | 9/1/2009 6:10:18 PM |
| dinobuddy | $27.74 | $27.74 | 9/1/2009 4:31:40 PM |
| PPLIN810 | $25.00 | $25.00 | 9/3/2009 12:49:56 PM |
| kulender | $100.00 | $100.00 | 9/4/2009 5:35:03 AM |
| MrLeft | $40.00 | $40.00 | 9/4/2009 6:19:48 AM |
| LAKETIME | $25.00 | $25.00 | 9/4/2009 7:21:28 AM |
| lasalsa03 | $25.00 | $25.00 | 9/4/2009 9:33:52 AM |
| credit-coach118 | $25.00 | $25.00 | 9/4/2009 10:44:54 AM |
| Dahlozer | $25.00 | $25.00 | 9/4/2009 10:55:21 AM |
| EODLEGS | $25.00 | $25.00 | 9/4/2009 10:27:43 AM |
| SkipMcGrath | $50.00 | $50.00 | 9/4/2009 11:20:09 AM |
| billybragg | $25.00 | $25.00 | 9/4/2009 10:46:20 AM |
| BuffetRocks | $150.00 | $150.00 | 9/4/2009 12:50:57 PM |
| Herchel | $25.00 | $25.00 | 9/4/2009 12:10:53 PM |
| BipedalHominid | $25.00 | $25.00 | 9/4/2009 12:12:43 PM |
| myworld701 | $25.00 | $25.00 | 9/4/2009 12:27:14 PM |
| bossyboots01 | $25.00 | $25.00 | 9/4/2009 11:44:39 AM |
| lender73w | $25.00 | $25.00 | 9/4/2009 12:02:46 PM |
| evolsb | $25.00 | $25.00 | 9/4/2009 3:18:34 PM |
| blueprosper | $25.00 | $25.00 | 9/4/2009 2:57:22 PM |
| yogi1975 | $25.00 | $25.00 | 9/4/2009 2:02:35 PM |
| 53 bids
|
Borrower Payment Dependent Notes Series
421295
This series of Notes was issued and sold upon the funding of the borrower loan #38433, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-19-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-02-2009 |
|
|
Starting lender yield:
| 30.28% |
Starting borrower rate/APR:
| 31.28% / 33.68% |
Starting monthly payment:
| $388.40 |
|
Final lender yield:
| 25.40% |
Final borrower rate/APR:
| 26.40% / 28.73% |
Final monthly payment:
| $364.54 |
| |
|
Auction yield range:
| 11.18% - 30.28% |
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:
| 6 |
First credit line:
| May-1993 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 720-740 (Aug-2009) |
Current / open credit lines:
| 17
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 50 | Length of status: | 16y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,877 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 53% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| rescue13guy |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:his loan will be used to....Consolidate credit cards.
My financial situation:
I am a good candidate for this loan because?
Hello I am requesting this loan to pay off multiple credit cards. I feel if I can obtain this loan it will make it much easier to pay off these debts. I am earning steady income working my current employment. I am very dependable when it comes to paying my bills. I always make sure payments are in on time in the correct amount and sometimes more. I earn around 6000-6500 monthly including overtime which is 20 plus hours each pay period. Thank you in considering this loan.
Information in the Description is not verified.
Friends And Family Winning Bids
littlehouse has bid a total of
$99.94 in winning bids.
"I am a prosper lender and rescue13guy is my son and also a lender. I know that he pays all his debts on time and this is reflected in his lack of delinquencies. As you can see he has worked many years in the same job which is very secure. I am bidding all of the funds available in my Prosper account."
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Please list the current balance, interest rate, and minimum payments of the debts you plan to refinance. - Loan_Stranger
A:
2942.00 19% 58.00
6900.00 19% 81.00
(Sep-02-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| thedreamer | $25.00 | $25.00 | 8/19/2009 4:28:07 PM |
| Mantis75 | $25.00 | $25.00 | 8/19/2009 4:29:45 PM |
| secobarbital | $25.00 | $25.00 | 8/19/2009 4:28:04 PM |
| Kaj | $25.00 | $25.00 | 8/20/2009 4:22:16 PM |
| JohnSmallberries | $25.00 | $25.00 | 8/20/2009 4:23:22 PM |
| seisen | $50.00 | $50.00 | 8/24/2009 10:07:08 AM |
| FeedTheMachine | $51.85 | $51.85 | 8/25/2009 6:57:33 AM |
| anton | $25.00 | $25.00 | 8/26/2009 6:18:17 PM |
| impasse1 | $25.00 | $25.00 | 8/26/2009 11:33:08 PM |
| willingnjc | $25.00 | $25.00 | 8/26/2009 11:35:13 PM |
| SNH | $25.00 | $25.00 | 8/26/2009 11:35:15 PM |
| kmavm | $25.00 | $25.00 | 8/27/2009 2:58:02 PM |
| littlehouse | $99.94 | $99.94 | 8/28/2009 5:51:33 AM |
| skro | $25.00 | $25.00 | 8/28/2009 12:11:50 PM |
| MicroPod | $25.00 | $25.00 | 8/28/2009 5:48:16 PM |
| natecam | $25.00 | $25.00 | 8/28/2009 5:48:33 PM |
| biobulator | $25.00 | $25.00 | 8/28/2009 5:46:22 PM |
| personal-lender | $25.00 | $25.00 | 8/28/2009 5:34:13 PM |
| rakey | $25.00 | $25.00 | 8/29/2009 2:52:06 PM |
| jdc10128 | $25.00 | $25.00 | 8/31/2009 4:41:39 AM |
| sk8ndive | $25.00 | $25.00 | 8/31/2009 7:05:28 AM |
| johnayan | $25.00 | $25.00 | 8/31/2009 7:52:18 AM |
| gilbow | $25.00 | $25.00 | 8/31/2009 2:20:00 PM |
| xyzlmno | $25.00 | $25.00 | 8/31/2009 4:44:21 PM |
| akguy | $25.00 | $25.00 | 8/31/2009 4:44:38 PM |
| loan-master996 | $31.30 | $31.30 | 8/31/2009 4:45:28 PM |
| yarg | $25.00 | $25.00 | 8/31/2009 4:45:47 PM |
| Cre8iveCash | $25.00 | $25.00 | 8/31/2009 4:46:36 PM |
| another412 | $25.00 | $25.00 | 8/31/2009 4:47:53 PM |
| sjev | $25.00 | $25.00 | 8/31/2009 4:49:57 PM |
| new-thrilling-principal | $25.00 | $25.00 | 8/31/2009 4:50:20 PM |
| red-sublime-return | $25.00 | $25.00 | 8/31/2009 4:50:51 PM |
| goofy15975 | $25.00 | $25.00 | 8/31/2009 4:50:56 PM |
| restech | $25.00 | $25.00 | 8/31/2009 4:51:20 PM |
| rdecartus | $25.00 | $25.00 | 8/31/2009 4:51:23 PM |
| greenwell | $25.00 | $25.00 | 8/31/2009 4:51:29 PM |
| honorable-yield | $25.00 | $25.00 | 8/31/2009 4:52:02 PM |
| xana-rocky | $25.00 | $25.00 | 8/31/2009 4:21:44 PM |
| Papa_Mema | $50.00 | $50.00 | 8/31/2009 4:52:06 PM |
| Hokiemon | $25.00 | $25.00 | 8/31/2009 4:52:11 PM |
| HalfDayz | $50.00 | $50.00 | 8/31/2009 4:43:57 PM |
| skunkor2 | $55.80 | $55.80 | 8/31/2009 4:44:08 PM |
| Microfinancer | $25.00 | $25.00 | 8/31/2009 4:44:41 PM |
| oldmora | $25.00 | $25.00 | 8/31/2009 4:44:50 PM |
| puifais | $25.00 | $25.00 | 8/31/2009 4:46:17 PM |
| ozzie | $25.00 | $25.00 | 8/31/2009 4:46:21 PM |
| jaynlana | $25.00 | $25.00 | 8/31/2009 4:46:37 PM |
| BR2006007 | $25.00 | $25.00 | 8/31/2009 4:46:59 PM |
| hans6883 | $25.00 | $25.00 | 8/31/2009 4:47:16 PM |
| lostontheedge | $25.00 | $25.00 | 8/31/2009 4:41:55 PM |
| orangemutt | $25.00 | $25.00 | 8/31/2009 4:48:18 PM |
| Marsue | $25.00 | $25.00 | 8/31/2009 4:49:39 PM |
| compassion-paladin042 | $25.00 | $25.00 | 8/31/2009 4:49:47 PM |
| joseapg | $25.00 | $25.00 | 8/31/2009 4:50:08 PM |
| HunterSix | $25.00 | $25.00 | 8/31/2009 4:43:59 PM |
| Adaboy | $25.00 | $25.00 | 8/31/2009 4:44:04 PM |
| money-shaker | $25.00 | $25.00 | 8/31/2009 4:50:52 PM |
| LongTail | $25.00 | $25.00 | 8/31/2009 4:44:15 PM |
| NoMoreDebt4Me | $25.00 | $25.00 | 8/31/2009 4:44:19 PM |
| 108lender | $26.33 | $26.33 | 8/31/2009 4:51:18 PM |
| DER | $25.58 | $25.58 | 8/31/2009 4:51:25 PM |
| boybutter | $25.00 | $25.00 | 8/31/2009 4:51:28 PM |
| income-rocker2 | $25.00 | $25.00 | 8/31/2009 4:45:16 PM |
| LAM26 | $25.00 | $25.00 | 8/31/2009 4:45:45 PM |
| bcg2004 | $25.00 | $25.00 | 8/31/2009 4:45:57 PM |
| scott1058 | $50.00 | $50.00 | 8/31/2009 4:46:16 PM |
| whatknows | $25.00 | $25.00 | 8/31/2009 4:46:32 PM |
| mc81 | $25.00 | $25.00 | 8/31/2009 4:47:06 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/31/2009 4:47:26 PM |
| SDKiwi | $25.00 | $25.00 | 8/31/2009 4:47:36 PM |
| j-lender | $25.00 | $25.00 | 8/31/2009 4:49:22 PM |
| lcole32 | $25.00 | $25.00 | 8/31/2009 4:50:05 PM |
| arejaybe | $25.00 | $25.00 | 8/31/2009 4:50:10 PM |
| Elbanko | $25.00 | $25.00 | 8/31/2009 4:50:52 PM |
| RusRobo | $25.00 | $25.00 | 8/31/2009 4:51:11 PM |
| gizzywump | $25.00 | $25.00 | 8/31/2009 4:51:21 PM |
| modemco | $25.00 | $25.00 | 8/31/2009 4:51:37 PM |
| PotBellyPete | $25.00 | $25.00 | 8/31/2009 4:52:42 PM |
| greenb | $27.97 | $27.97 | 8/31/2009 5:19:13 PM |
| brilliant-balance | $25.00 | $25.00 | 8/31/2009 7:13:07 PM |
| carmat60 | $25.00 | $25.00 | 9/1/2009 2:11:11 AM |
| martymaniaman | $25.00 | $25.00 | 9/1/2009 6:03:53 AM |
| urinspirasian | $30.00 | $30.00 | 9/1/2009 11:06:04 AM |
| E-B | $50.00 | $50.00 | 9/1/2009 11:11:28 AM |
| LeoBUSIIT | $25.00 | $25.00 | 9/1/2009 6:37:26 AM |
| mercuriant | $25.00 | $25.00 | 9/1/2009 1:36:17 PM |
| DackoDenk | $25.00 | $25.00 | 9/1/2009 6:25:39 PM |
| thoughtful-investment045 | $50.00 | $50.00 | 9/1/2009 6:44:20 PM |
| element40 | $50.00 | $50.00 | 9/1/2009 4:23:15 PM |
| payout-magician | $25.00 | $25.00 | 9/1/2009 8:45:00 PM |
| cippy | $100.00 | $100.00 | 9/1/2009 6:27:53 PM |
| medkoder | $25.00 | $25.00 | 9/1/2009 6:54:02 PM |
| Bobusa | $25.00 | $25.00 | 9/2/2009 4:50:57 AM |
| leverage-britches | $25.00 | $25.00 | 9/2/2009 5:34:13 AM |
| sdkevin | $25.00 | $25.00 | 9/1/2009 8:08:30 PM |
| congardner1 | $25.00 | $25.00 | 9/2/2009 7:38:12 AM |
| zooom7 | $50.00 | $50.00 | 9/1/2009 11:10:56 PM |
| karmanxten | $100.00 | $100.00 | 9/1/2009 10:29:13 PM |
| freedom3 | $1,000.00 | $1,000.00 | 9/2/2009 3:49:51 AM |
| kendigme | $25.00 | $25.00 | 9/2/2009 11:02:37 AM |
| bitano | $49.12 | $49.12 | 9/2/2009 8:18:53 AM |
| klemer | $25.00 | $25.00 | 9/2/2009 11:27:22 AM |
| spiff666 | $25.00 | $25.00 | 9/2/2009 8:42:45 AM |
| gm93001 | $400.00 | $400.00 | 9/2/2009 11:50:59 AM |
| samdog079 | $36.45 | $36.45 | 9/2/2009 12:21:18 PM |
| bobnewt | $50.00 | $50.00 | 9/2/2009 12:33:50 PM |
| bid-papyrus | $25.00 | $25.00 | 9/2/2009 9:43:09 AM |
| HotelGuy | $25.00 | $25.00 | 9/2/2009 10:21:48 AM |
| leverage-hawk | $50.00 | $50.00 | 9/2/2009 9:21:39 AM |
| shellstar | $25.00 | $25.00 | 9/2/2009 9:26:13 AM |
| Gregger | $25.00 | $25.00 | 9/2/2009 1:49:45 PM |
| dparkhom | $25.00 | $25.00 | 9/2/2009 2:05:40 PM |
| busybee007 | $25.00 | $25.00 | 9/2/2009 2:50:39 PM |
| yomanie | $25.00 | $25.00 | 9/2/2009 11:51:58 AM |
| newslang | $25.00 | $25.00 | 9/2/2009 4:00:17 PM |
| maven2 | $25.00 | $25.00 | 9/2/2009 1:21:56 PM |
| bulabula | $25.00 | $25.00 | 9/2/2009 2:20:27 PM |
| PropertyInvest | $25.00 | $25.00 | 9/2/2009 2:41:48 PM |
| bhargapa | $25.00 | $25.00 | 9/2/2009 2:48:43 PM |
| bhargapa | $25.00 | $25.00 | 9/2/2009 2:49:56 PM |
| samaritan5 | $25.00 | $25.00 | 9/2/2009 2:26:13 PM |
| topher515 | $25.00 | $25.00 | 9/2/2009 2:57:36 PM |
| raccoon123 | $50.00 | $50.00 | 9/2/2009 3:52:44 PM |
| delivery | $25.00 | $25.00 | 8/19/2009 4:28:14 PM |
| GMPK_TLAS | $25.00 | $25.00 | 8/22/2009 8:28:05 AM |
| Sateesh | $100.00 | $100.00 | 8/23/2009 7:27:50 AM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/24/2009 10:06:12 AM |
| impressive-loan | $25.00 | $25.00 | 8/24/2009 3:22:49 PM |
| lagnisiruk | $25.00 | $25.00 | 8/25/2009 8:27:34 AM |
| ChrisTJ | $25.00 | $25.00 | 8/26/2009 6:33:14 PM |
| fortytwo | $25.00 | $25.00 | 8/26/2009 5:13:12 PM |
| punctual-worth | $25.00 | $25.00 | 8/26/2009 9:03:22 PM |
| dinero-mason | $50.00 | $50.00 | 8/27/2009 6:12:31 AM |
| CarDealer3070 | $30.00 | $30.00 | 8/28/2009 12:57:51 PM |
| ChrisKwan | $25.00 | $25.00 | 8/28/2009 4:26:06 PM |
| testobsessed | $100.00 | $100.00 | 8/28/2009 5:39:03 PM |
| KiwiElf | $41.08 | $41.08 | 8/30/2009 2:01:20 PM |
| joeirps | $25.00 | $25.00 | 8/31/2009 6:10:19 AM |
| brodav | $50.00 | $50.00 | 8/31/2009 12:16:26 AM |
| rmachi | $25.00 | $25.00 | 8/31/2009 8:50:22 AM |
| Artist_Blue | $25.00 | $25.00 | 8/31/2009 7:37:22 AM |
| KevinC_63366 | $25.00 | $25.00 | 8/31/2009 5:45:39 AM |
| schnatty | $25.00 | $25.00 | 8/31/2009 7:05:25 AM |
| lending_pugs | $25.00 | $25.00 | 8/31/2009 12:18:46 PM |
| dough-bear | $50.00 | $50.00 | 8/31/2009 2:19:31 PM |
| decisive-capital | $30.00 | $30.00 | 8/31/2009 2:00:39 PM |
| lending-bear | $25.00 | $25.00 | 8/31/2009 4:21:19 PM |
| sbarro | $33.22 | $33.22 | 8/31/2009 4:43:40 PM |
| MementoMori12 | $25.00 | $25.00 | 8/31/2009 4:43:58 PM |
| econman1 | $25.00 | $25.00 | 8/31/2009 4:44:14 PM |
| b2m80s | $25.00 | $25.00 | 8/31/2009 4:44:32 PM |
| pfenness | $60.00 | $60.00 | 8/31/2009 4:45:29 PM |
| lasalle123 | $25.00 | $25.00 | 8/31/2009 4:45:42 PM |
| Guerrilla_Man | $25.00 | $25.00 | 8/31/2009 4:46:01 PM |
| Toby1montana | $50.00 | $50.00 | 8/31/2009 4:47:02 PM |
| zeelender | $25.00 | $25.00 | 8/31/2009 4:47:24 PM |
| nick5454 | $25.00 | $25.00 | 8/31/2009 4:47:33 PM |
| Katieo | $25.00 | $25.00 | 8/31/2009 4:48:06 PM |
| mtp | $50.00 | $50.00 | 8/31/2009 4:48:30 PM |
| theincarnatemike | $25.00 | $25.00 | 8/31/2009 4:49:07 PM |
| karpman3 | $50.00 | $50.00 | 8/31/2009 4:49:53 PM |
| jldallover | $25.00 | $25.00 | 8/31/2009 4:50:53 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/31/2009 4:51:00 PM |
| leftcoast52 | $25.00 | $25.00 | 8/31/2009 4:51:20 PM |
| head | $25.00 | $25.00 | 8/31/2009 4:51:25 PM |
| Greenspot | $25.00 | $25.00 | 8/31/2009 4:51:32 PM |
| GElender | $25.00 | $25.00 | 8/31/2009 4:51:40 PM |
| brmar | $25.00 | $25.00 | 8/31/2009 4:52:05 PM |
| slcchad | $25.00 | $25.00 | 8/31/2009 4:52:08 PM |
| wise-careful-greenback | $25.00 | $25.00 | 8/31/2009 4:52:21 PM |
| PatRichi | $25.00 | $25.00 | 8/31/2009 4:52:50 PM |
| kubien | $25.00 | $3.07 | 8/31/2009 4:53:41 PM |
| charles3507 | $30.65 | $30.65 | 8/31/2009 4:43:48 PM |
| digen | $25.00 | $25.00 | 8/31/2009 4:44:07 PM |
| mwl | $25.00 | $25.00 | 8/31/2009 4:45:02 PM |
| SpareChangeHero | $25.00 | $25.00 | 8/31/2009 4:45:46 PM |
| Supp0rter | $25.00 | $25.00 | 8/31/2009 4:45:58 PM |
| compsciman | $50.00 | $50.00 | 8/31/2009 4:46:24 PM |
| loan-squadron | $25.00 | $25.00 | 8/31/2009 4:46:54 PM |
| dbmurch | $25.00 | $25.00 | 8/31/2009 4:47:23 PM |
| baconguy | $25.00 | $25.00 | 8/31/2009 4:48:19 PM |
| tspyz | $25.00 | $25.00 | 8/31/2009 4:49:48 PM |
| cyberie21 | $30.00 | $30.00 | 8/31/2009 4:50:50 PM |
| wampum-proton | $25.00 | $25.00 | 8/31/2009 4:50:55 PM |
| ctgscott | $25.00 | $25.00 | 8/31/2009 4:44:17 PM |
| fareast_man | $25.00 | $25.00 | 8/31/2009 4:51:22 PM |
| Katahdin | $25.00 | $25.00 | 8/31/2009 4:51:27 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/31/2009 4:51:31 PM |
| WorldGoRound | $25.00 | $25.00 | 8/31/2009 4:44:59 PM |
| mathprof | $25.00 | $25.00 | 8/31/2009 4:51:38 PM |
| Slowtype | $50.00 | $50.00 | 8/31/2009 4:45:21 PM |
| satanichammy | $25.00 | $25.00 | 8/31/2009 4:45:44 PM |
| upc_tnt | $25.00 | $25.00 | 8/31/2009 4:52:24 PM |
| majorf2136 | $25.00 | $25.00 | 8/31/2009 4:46:23 PM |
| YogaDude34 | $25.00 | $25.00 | 8/31/2009 4:46:47 PM |
| orange-astute-finance | $25.00 | $25.00 | 8/31/2009 4:46:53 PM |
| aader | $25.00 | $25.00 | 8/31/2009 4:47:55 PM |
| money-expert | $25.00 | $25.00 | 8/31/2009 4:49:38 PM |
| micraman | $25.00 | $25.00 | 8/31/2009 4:49:55 PM |
| davidy | $25.00 | $25.00 | 8/31/2009 4:50:06 PM |
| a-fund-paradise | $25.00 | $25.00 | 8/31/2009 4:50:15 PM |
| LBOregon | $25.00 | $25.00 | 8/31/2009 4:50:54 PM |
| hc90474 | $25.00 | $25.00 | 8/31/2009 4:51:07 PM |
| kscc183 | $25.00 | $25.00 | 8/31/2009 4:51:16 PM |
| kyxysyx | $50.00 | $50.00 | 8/31/2009 4:51:24 PM |
| unclejaef | $25.00 | $25.00 | 8/31/2009 4:51:30 PM |
| pythia | $25.00 | $25.00 | 8/31/2009 4:52:23 PM |
| festeringsnot | $25.00 | $25.00 | 8/31/2009 4:52:31 PM |
| BankofBeth | $50.00 | $50.00 | 8/31/2009 7:41:07 PM |
| 420limo | $40.00 | $40.00 | 8/31/2009 9:58:54 PM |
| checzwick | $25.00 | $25.00 | 9/1/2009 3:24:07 PM |
| szetheli | $96.00 | $96.00 | 9/1/2009 6:41:00 PM |
| thoughtful-investment045 | $25.00 | $25.00 | 9/1/2009 6:43:54 PM |
| RainyDayFunds | $25.00 | $25.00 | 9/1/2009 5:29:05 PM |
| Dreams4Cash | $25.00 | $25.00 | 9/1/2009 9:06:05 PM |
| hektek22 | $300.00 | $300.00 | 9/1/2009 6:08:48 PM |
| thoughtful-investment045 | $25.00 | $25.00 | 9/1/2009 6:43:31 PM |
| AF_Trust | $25.00 | $25.00 | 9/1/2009 6:50:45 PM |
| Pilot12 | $25.00 | $25.00 | 9/2/2009 8:04:02 AM |
| malomar66 | $41.64 | $41.64 | 9/1/2009 9:17:32 PM |
| nasdaq87 | $90.00 | $90.00 | 9/1/2009 8:10:08 PM |
| NewYorker48 | $50.00 | $50.00 | 9/2/2009 5:47:10 AM |
| unger | $200.00 | $200.00 | 9/2/2009 12:55:28 PM |
| daekpon | $35.00 | $35.00 | 9/2/2009 10:24:52 AM |
| catalystcf | $25.00 | $25.00 | 9/2/2009 11:05:06 AM |
| OGS_Capital | $25.00 | $25.00 | 9/2/2009 11:45:28 AM |
| maga | $100.00 | $100.00 | 9/2/2009 12:15:40 PM |
| Engineer44 | $30.00 | $30.00 | 9/2/2009 4:20:52 PM |
| miim | $50.00 | $50.00 | 9/2/2009 1:48:47 PM |
| yu-rik | $25.00 | $25.00 | 9/2/2009 1:55:37 PM |
| Accountant83 | $25.00 | $25.00 | 9/2/2009 3:45:36 PM |
| jralending | $25.00 | $25.00 | 9/2/2009 2:32:11 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/2/2009 4:15:47 PM |
| 233 bids
|
Borrower Payment Dependent Notes Series
421429
This series of Notes was issued and sold upon the funding of the borrower loan #38410, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction start date:
| Aug-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-07-2009 |
|
|
Starting lender yield:
| 26.43% |
Starting borrower rate/APR:
| 27.43% / 29.77% |
Starting monthly payment:
| $102.64 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $94.19 |
| |
|
Auction yield range:
| 11.18% - 26.43% |
Estimated loss impact:
| 10.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.52% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 7 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 15
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,390 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 57% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| Vinsanity41 |
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:
| 0 / 2 |
On-time:
| 25 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $11,500.00 | < mo. late:
| 0
( 0% )
| 600-620
(Mar-2008)
580-600
(Nov-2007)
640-660
(Nov-2006)
620-640
(Oct-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Moving Costs
My name's Vince. I'm 28 and I've spent the last year working as a Producer's Assistant on a major motion picture. I'm originally from Pittsburgh and will be returning? there in October to take on a new career in the Entertainment field. I started with Prosper just over a three years ago and experienced great success with the service. I took out a loan to consolidate debts on two occasions and successfully paid off in full ahead of schedule. Now I'd like to take another loan in order to help with some moving costs and some unexpected repair work needed on my car before I make the drive cross country.? Please understand that upon arriving in Pittsburgh, I will be living
with family members rent free. Currently, my monthly budget is approx.
$2800,? once in Pittsburgh, without having to pay rent and some other
LA specific costs I expect my monthly budget to be only $1400.? My job in the film business is the budgeting and management process of multi-million dollar movies. If the studio can trust me to be financially responsible, can't you?
Please feel free to email me with any other questions or concerns. Thank you for your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
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:
At this time I don't want to put a definite time frame on how fast I will pay the loan. Considering the fact I'm moving cross country and the unknowns involved with that. Although, as stated above I'm moving in with some family so the risks are limited, my cost of living is greatly reduced so I'll have extra money to put towards the loan once I'm situated in Pittsburgh. That being said, I hope to have the loan paid off well before the 3 year term.
(Aug-25-2009)
Q:
Have you procurred the job already in Pittsburgh? If so, who will you be working for? And is it full time employment as an employee or independent contractor? - Tulalue
A:
Yes, I have procured a job already and it is a full-time position. I'll be working at a local television station.
(Aug-28-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| MsTabbyKats | $25.00 | $25.00 | 8/25/2009 2:05:35 PM |
| money-expert | $25.00 | $25.00 | 8/28/2009 8:50:59 AM |
| Unitas4302 | $200.00 | $200.00 | 8/29/2009 2:47:17 PM |
| dennman | $50.00 | $50.00 | 8/30/2009 9:12:16 AM |
| kbmarin | $30.00 | $30.00 | 8/30/2009 11:20:38 AM |
| pieceofcake | $50.00 | $50.00 | 8/31/2009 12:27:33 PM |
| MoNeYMaN5 | $50.00 | $50.00 | 9/1/2009 6:41:12 AM |
| element40 | $100.00 | $100.00 | 9/1/2009 4:47:44 PM |
| 1stBankAndHal | $30.00 | $30.00 | 9/2/2009 10:35:31 AM |
| ctruong53 | $80.00 | $80.00 | 9/2/2009 4:31:23 PM |
| Personal-Bond | $50.00 | $50.00 | 9/2/2009 4:40:18 PM |
| Agent-S | $25.00 | $25.00 | 9/2/2009 11:50:24 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/3/2009 2:07:36 PM |
| EEasyMoney | $25.00 | $25.00 | 9/3/2009 8:01:43 PM |
| MrLeft | $25.00 | $25.00 | 9/4/2009 6:12:41 AM |
| tashara | $25.00 | $25.00 | 9/4/2009 3:59:43 PM |
| gpuck | $25.00 | $25.00 | 9/4/2009 3:51:42 PM |
| tashara | $25.00 | $25.00 | 9/4/2009 3:59:48 PM |
| twjh | $25.00 | $25.00 | 9/4/2009 7:40:42 PM |
| CoolPlexer | $25.00 | $25.00 | 9/5/2009 11:23:01 AM |
| maga | $25.00 | $25.00 | 9/5/2009 10:44:29 AM |
| lscott | $75.00 | $75.00 | 9/6/2009 1:52:00 PM |
| GracieLuLu04 | $25.00 | $25.00 | 9/6/2009 3:13:39 PM |
| anarchy1985 | $25.00 | $25.00 | 9/6/2009 7:50:23 PM |
| USCGC | $61.21 | $61.21 | 9/6/2009 11:15:42 AM |
| KaChingInvestments | $33.30 | $33.30 | 9/6/2009 11:29:47 AM |
| kindness-jedi | $50.00 | $50.00 | 9/7/2009 3:37:51 AM |
| unbeatable-wealth | $25.00 | $25.00 | 9/6/2009 7:09:06 PM |
| realtormoises | $25.00 | $25.00 | 9/6/2009 6:48:03 PM |
| larug111 | $150.00 | $89.39 | 9/6/2009 8:31:27 PM |
| bst | $25.00 | $25.00 | 9/7/2009 12:50:12 AM |
| Chillito | $56.17 | $56.17 | 9/7/2009 7:40:06 AM |
| bst | $35.00 | $35.00 | 9/7/2009 9:34:23 AM |
| bst | $40.00 | $40.00 | 9/7/2009 9:27:43 AM |
| NickABusey | $37.64 | $37.64 | 8/31/2009 9:47:44 AM |
| Credit2Prosper | $25.00 | $25.00 | 8/31/2009 5:06:16 PM |
| Seaborn | $25.00 | $25.00 | 9/2/2009 12:38:35 PM |
| EngineersAlliance | $100.00 | $100.00 | 9/2/2009 4:35:59 PM |
| sweety075 | $25.00 | $25.00 | 9/2/2009 4:42:31 PM |
| unequivocal-velocity | $50.00 | $50.00 | 9/2/2009 6:23:16 PM |
| LarryNY | $25.00 | $25.00 | 9/3/2009 3:40:42 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 9/3/2009 6:20:36 PM |
| carmat60 | $25.00 | $25.00 | 9/4/2009 1:24:50 AM |
| HomerdohNY | $25.00 | $25.00 | 9/4/2009 5:32:48 PM |
| AustinAmerica | $25.00 | $25.00 | 9/4/2009 6:57:02 PM |
| FDNYkevin | $75.00 | $75.00 | 9/4/2009 10:02:26 PM |
| richmondcowboy | $50.00 | $50.00 | 9/5/2009 7:40:24 AM |
| cajunguy | $25.00 | $25.00 | 9/5/2009 2:47:49 PM |
| aultraman | $25.00 | $25.00 | 9/5/2009 11:30:28 AM |
| payout-magician | $25.00 | $25.00 | 9/6/2009 10:28:43 AM |
| Leshan | $100.00 | $100.00 | 9/6/2009 7:18:39 AM |
| Jinja | $25.00 | $25.00 | 9/6/2009 8:22:55 AM |
| Jaoe | $40.51 | $40.51 | 9/6/2009 11:46:11 AM |
| VitaminFunk | $25.00 | $25.00 | 9/6/2009 5:34:40 PM |
| leverage-hawk | $25.00 | $25.00 | 9/7/2009 8:36:57 AM |
| bst | $50.00 | $50.00 | 9/7/2009 9:24:51 AM |
| CSinvestments | $26.78 | $26.78 | 9/7/2009 7:41:01 AM |
| I_want_to_help_you | $25.00 | $25.00 | 9/7/2009 7:12:37 AM |
| bst | $40.00 | $40.00 | 9/7/2009 9:30:21 AM |
| ritwik | $50.00 | $50.00 | 9/7/2009 8:11:07 AM |
| 60 bids
|
Borrower Payment Dependent Notes Series
421781
This series of Notes was issued and sold upon the funding of the borrower loan #38441, 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-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Aug-26-2009 |
|
|
Starting lender yield:
| 29.18% |
Starting borrower rate/APR:
| 30.18% / 34.21% |
Starting monthly payment:
| $42.55 |
|
Final lender yield:
| 29.18% |
Final borrower rate/APR:
| 30.18% / 34.21% |
Final monthly payment:
| $42.55 |
| |
|
Auction yield range:
| 11.18% - 29.18% |
Estimated loss impact:
| 10.73% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.45% | | |
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:
| Feb-2000 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 700-720 (Aug-2009) |
Current / open credit lines:
| 6
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| luminous-credit4 |
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
Vacation expenses
Purpose of loan:
This loan will be used to? take a vacation to Florida.
My financial situation:
I am a good candidate for this loan because? I am a very prompt and consistent when it comes to taking care of my financial obligations.? I deal with the worst of the worst on a daily basis being a police officer.? I enjoy helping and serving the public; however, everyone deserves some rest and relaxation. The money?I am seeking would ensure a much needed vacation takes place.??Paying the money back would not be a concern due to the extra income from my husband who?has been a police officer?with the same deaprtment for almost 22 years.? ???
Monthly net income: $ 2040.00
Monthly expenses: $
??Housing: $ 900
??Insurance: $ 50
??Car expenses: $ 0.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 180.00
??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:
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 can repay this loan within a year or a year and a half.
(Aug-25-2009)
Q:
Will you be paying this back early? - justme4now
A:
I will be repaying this loan within a year or a year and a half.
(Aug-25-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hektek22 | $300.00 | $300.00 | 8/24/2009 6:36:52 PM |
| foothillender | $25.00 | $25.00 | 8/25/2009 7:36:36 AM |
| mercuriant | $25.00 | $25.00 | 8/24/2009 9:27:13 PM |
| EEasyMoney | $25.00 | $25.00 | 8/24/2009 10:24:35 PM |
| Engineer44 | $25.00 | $25.00 | 8/25/2009 10:31:25 AM |
| Hutpit | $31.04 | $31.04 | 8/25/2009 10:38:19 AM |
| Katieo | $34.71 | $34.71 | 8/25/2009 4:23:04 PM |
| justme4now | $25.00 | $25.00 | 8/25/2009 4:46:23 PM |
| blazing-capital | $100.00 | $100.00 | 8/25/2009 4:32:12 PM |
| hellasow | $25.00 | $25.00 | 8/25/2009 9:10:30 PM |
| IPG1 | $50.00 | $50.00 | 8/26/2009 6:52:07 AM |
| periko | $50.00 | $50.00 | 8/24/2009 10:05:26 PM |
| bobd32 | $25.00 | $25.00 | 8/25/2009 12:07:31 PM |
| mrbill5548 | $25.00 | $25.00 | 8/25/2009 12:10:18 PM |
| OSERENKUKU | $25.00 | $25.00 | 8/25/2009 2:42:21 PM |
| MONEY_IN_THE_BANK | $25.00 | $1.90 | 8/25/2009 9:13:53 PM |
| Digs | $25.00 | $25.00 | 8/25/2009 9:19:25 PM |
| aztocas | $50.00 | $50.00 | 8/25/2009 9:22:57 PM |
| lawyervon | $25.00 | $25.00 | 8/25/2009 11:42:13 PM |
| punctual-worth | $25.00 | $25.00 | 8/25/2009 11:38:44 PM |
| periko | $50.00 | $50.00 | 8/26/2009 6:55:53 AM |
| monstersdad | $32.35 | $32.35 | 8/26/2009 6:57:52 AM |
| 22 bids
|
Borrower Payment Dependent Notes Series
421885
This series of Notes was issued and sold upon the funding of the borrower loan #38459, 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-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-08-2009 |
|
|
Starting lender yield:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 15.59% |
Starting monthly payment:
| $33.21 |
|
Final lender yield:
| 10.00% |
Final borrower rate/APR:
| 11.00% / 14.58% |
Final monthly payment:
| $32.74 |
| |
|
Auction yield range:
| 4.18% - 10.99% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-720 (Aug-2009) |
Current / open credit lines:
| 22
/
18 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 55 | Length of status: | 12y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $61,615 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 59% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 6 | | | | |
|
Screen name:
| jamie56048 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Send my daughter to Preschool
Purpose of loan:
This loan will be used to send my daughter to preschool for 1 year.? I am also trying to build my prosper rating for the first time.
My financial situation:
I am a good candidate for this
loan because i have always paid my bills on time and i will keep it
that way.? I usually pay all my bills via ACH and they are usually
scheduled before my statement's arrive.
Monthly net income: $ 2,750
Monthly expenses: $
??Housing: $
867
? Insurance: $125
? Credit cards and other loans: $
675
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you please explain the 6 recent inquiries and what happens with your other $1000+ dollars a month that you can't pay for this without a loan? - BAEVentures
A:
Thanks for the question. I always take advantage of store credit cards when they offer free money or 0% financing. If it affects my credit score that?s fine, I don?t look at it as a problem. I applied for sears (bought a treadmill and paid it off in August). Ashley furniture (just paid off half of it on the first statement). Amazon.com (bought 2 books and opened a card to get $30). Dell.com and Discounttire.com, I applied for these but did not choose to make a purchase.
Out of room.......
(Sep-01-2009)
Q:
And your extra $1000 a month? - BAEVentures
A:
Thanks i was hoping you would start another question. Typically i spend about $500/mo on gas, and family entertainment. The rest usually is extra payments to credit cards. It's basically a $500 cushion i have per month. But like i said in my listing i am building my prosper rating. I would like to use prosper more and more in the future. I've managed to avoid banks for over 10 years except for my mortgage. My high revolving debt is because of my 80/20 mortgage so i wouldn't pay PMI.
(Sep-01-2009)
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 | 8/27/2009 4:59:50 PM |
| PalmTreeIsland | $47.30 | $47.30 | 8/30/2009 8:45:15 AM |
| irishcocacola | $50.00 | $50.00 | 9/1/2009 5:49:48 PM |
| minista | $25.00 | $25.00 | 9/2/2009 8:51:53 PM |
| dn0pes | $25.00 | $25.00 | 9/4/2009 11:13:28 AM |
| CallMeBen | $25.00 | $25.00 | 9/4/2009 3:22:01 PM |
| income-fortress | $50.00 | $50.00 | 9/4/2009 5:25:42 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/6/2009 6:45:28 AM |
| unbeatable-wealth | $25.00 | $25.00 | 9/6/2009 7:45:12 PM |
| buffalobills | $25.00 | $25.00 | 9/6/2009 6:47:21 PM |
| economy-caper | $25.00 | $25.00 | 9/7/2009 6:14:38 AM |
| Goodlender42 | $25.00 | $25.00 | 9/7/2009 1:27:00 PM |
| statenisland51 | $50.00 | $50.00 | 9/7/2009 4:26:06 PM |
| PotBellyPete | $25.00 | $25.00 | 9/7/2009 7:30:21 PM |
| the_prince | $50.00 | $50.00 | 9/7/2009 7:40:09 PM |
| sjvicker | $25.00 | $25.00 | 9/8/2009 8:25:23 AM |
| MidnightBank | $25.00 | $25.00 | 8/27/2009 4:59:59 PM |
| Bender | $35.29 | $35.29 | 8/27/2009 6:02:11 PM |
| MoneyForNothing | $50.00 | $50.00 | 8/27/2009 9:08:08 PM |
| zento | $25.00 | $25.00 | 8/28/2009 2:54:24 PM |
| vinayski | $25.00 | $25.00 | 8/28/2009 2:28:53 PM |
| bid-wonder | $25.00 | $25.00 | 8/30/2009 6:05:23 PM |
| BAEVentures | $25.00 | $25.00 | 9/1/2009 9:54:06 AM |
| CK1 | $25.00 | $25.00 | 9/1/2009 4:11:10 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/1/2009 3:01:46 PM |
| dinobuddy | $25.00 | $25.00 | 9/1/2009 4:09:00 PM |
| BAEVentures | $25.00 | $25.00 | 9/2/2009 8:51:10 PM |
| anton | $25.00 | $25.00 | 9/3/2009 1:47:20 PM |
| dollars4debts | $30.00 | $30.00 | 9/5/2009 4:10:42 PM |
| festivecpl | $25.00 | $25.00 | 9/6/2009 12:29:55 PM |
| Mack_Inv | $25.00 | $25.00 | 9/6/2009 4:45:50 PM |
| southerndiva | $25.00 | $12.41 | 9/7/2009 1:33:48 PM |
| wwwUniversal | $25.00 | $25.00 | 9/7/2009 9:26:38 PM |
| calm-p2ploan | $25.00 | $25.00 | 9/8/2009 9:44:12 AM |
| 34 bids
|
Borrower Payment Dependent Notes Series
422477
This series of Notes was issued and sold upon the funding of the borrower loan #38430, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction start date:
| Aug-31-2009 |
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction end date:
| Sep-06-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 17.23% |
Final borrower rate/APR:
| 18.23% / 20.70% |
Final monthly payment:
| $54.40 |
| |
|
Auction yield range:
| 17.18% - 34.00% |
Estimated loss impact:
| 19.95% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.72% | | |
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:
| Oct-1995 |
Debt/Income ratio:
| 49% |
|
Credit score:
| 620-640 (Aug-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 3 |
Total credit lines:
| 21 | Length of status: | 7y 0m |
|
Amount delinquent:
| $877 |
Revolving credit balance:
| $6,076 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| wall12ace |
Borrower's state:
| Georgia |
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:
| 23 ( 96% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < mo. late:
| 1
( 4% )
| 600-620
(Jul-2007)
|
|
Principal balance:
| $3,264.10 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Help on time prosper member-NOT HR
??Thanks?to all the guys that bid on me in my last attempt,?going to try this one more time. Thanks to all in advance
?? First and Foremost this is my second Prosper Loan and the 1st is two years in and on time. My Credit score has risen since?my last loan. ?Having said that, I am applying for your support in order to bridge the gap from my wifes unemployment. She had kept 2 kids for the last three years and a couple months back she was informed with little notice they would not be staying with her any more. Long story short it hurt us worse than I expected. She is now keeping 2 new infants?and has resumed her income, but it would be nice to get a little breathing room and pay off a couple of things that have been late. I wasnt sure if it would be better to apply for more or just enough to get back to the original amount of the first prosper loan. If it would be better to add enough to pay off the 1st prosper loan then someone let me know.
Purpose of loan:
The purpose of this loan is to?payoff debt.
Financial situation:
I have been in education for?7 years(all spent at the same school). While being?a teacher?may not be a universal endorsement, I would like to believe it says something about my values and honesty. I am a contracted worker who is paid on a monthly basis at the beginning of every month. My wife keeps our kids as well as a few others and makes money while being able to raise our kids. We are honest people who get by and will?continue to get by with or without this loan. I have had good credit for years and have never defaulted on anything. Just like most people we have had our troubles and the last few months have been the roughest with my wife being out of work. In looking at my credit you will see that I have had some late payments but things always get paid. ?I tell this because I do not want anyone to think I am trying to hide anything.?Not sure what else to say other than me and my wife have stable jobs and income that would allow us to?make this monthly payment just as I have been making?my other Prosper payment for two years. Thank You for your consideration. ??
Monthly net income: $
Myself $2900
Wife $1280
Monthly expenses: $
Housing: $ 750??
Insurance: $?45??
Car expenses: $?500? (gas included) (my truck is paid for)??
Utilities: $ 150??
Phone, cable, internet: $ 110??
Food, entertainment: $ 200??
Clothing, household expenses $?50??
Credit cards and other loans: $ 1300??
Baby supplies(diapers,food,etc) $150
Visa $4000 32%
Visa $2000 22%
Mastercard $2000 19%
One other with a low intrest rate that we are not consolidating due to great intrest rate.
Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IM-SHARKY | $1,500.00 | $1,475.00 | 9/1/2009 3:18:59 PM |
| tashara | $25.00 | $25.00 | 9/4/2009 4:08:17 PM |
| 2 bids
|