Sales Report:Supplement No. 35 dated Sep 10, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
420584
This series of Notes was issued and sold upon the funding of the borrower loan #38458, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
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:
| $217.07 |
|
Final lender yield:
| 9.35% |
Final borrower rate/APR:
| 10.35% / 12.46% |
Final monthly payment:
| $210.81 |
| |
|
Auction yield range:
| 4.18% - 11.38% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| May-1988 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $23,932 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 44% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| EsseQuamVideri |
Borrower's state:
| NewYork |
Borrower's group:
| New Day Rising Loans |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Jun-2007)
|
|
Principal balance:
| $1,717.35 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Debt Consolidation
Reasons to borrow:
The average APR on my consumer debt is not that competitive of a rate (~13.00%) and my collective debt has accumulated. I have not been aggressively paying down my credit card balances, so now I need to take decisive action to consolidate and pay it down.
With the loan I will pay down the balance on my highest CC and with money saved from avoiding the bulk of the high APR, I'll be able to more efficiently pay down the balances month by month. It's a first step. Austerity over time will pay off the rest. I have a Master's degree from a prestigious international university of economics (LSE), so theoretically I should know better.
I used Prosper in 2007 for a loan, met all payments on time (automatic debits from bank account), and recommend the community for both lenders and borrowers. I have a stable, full-time job of two years, and I'm due for a review shortly there as well as a raise from my current salary.
Breakdown of monthly expenses:
Rent: $1,150
Phone: $80
Utilities: $180
Food, entertainment: $650
Subway: $80
CC1:? $2,600.27 @ 13.90
CC3: $16,100.19 @ 14.99%
CC3: $4,600.29 @ 6.240%
................................................
Monthly expenses: $2,600
Monthly Income: $4,500
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you please tell us what happens with the other $1900 a mo th that you earn but is not listed as used in your expenses? What are you currently payi g monthly on each of your credit cards? Answer publicly, thanks much! - BAEVentures
A:
Thanks for your question. The additional funds I deploy on credit card bills (paying over the minimum due), educational debt, misc items like ad hoc apartment expenses or travel, side projects I work on for fun and contingency savings for those surprises that crop up. The payments are roughly: $400 on one credit card, $120 one another, $130 on the third one, $180 prosper loan, and $350 on student loans. This is why I'm consolidating debt within my portfolio.
(Aug-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| brightest-revenue-spark | $25.00 | $25.00 | 8/17/2009 4:08:36 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/17/2009 4:10:19 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/17/2009 4:11:02 PM |
| abuyama22 | $25.00 | $25.00 | 8/17/2009 4:12:18 PM |
| 888168 | $50.00 | $50.00 | 8/17/2009 4:12:25 PM |
| skuba | $50.00 | $50.00 | 8/17/2009 4:12:42 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/17/2009 4:12:57 PM |
| Artist_Blue | $25.00 | $25.00 | 8/17/2009 4:13:10 PM |
| bchen78875 | $50.00 | $50.00 | 8/17/2009 4:13:22 PM |
| Avala | $25.00 | $25.00 | 8/17/2009 4:16:54 PM |
| anton | $50.00 | $50.00 | 8/17/2009 4:45:42 PM |
| fortytwo | $25.00 | $25.00 | 8/18/2009 10:00:41 AM |
| r1g3l | $25.00 | $25.00 | 8/18/2009 12:20:38 PM |
| sparky1129 | $25.00 | $25.00 | 8/18/2009 1:02:57 PM |
| totoro | $25.00 | $25.00 | 8/18/2009 3:58:26 PM |
| aesop | $25.00 | $25.00 | 8/18/2009 4:24:49 PM |
| dlshap | $25.00 | $25.00 | 8/18/2009 4:24:56 PM |
| Goodlender42 | $25.00 | $25.00 | 8/19/2009 6:32:42 AM |
| buckyhead2000 | $25.00 | $25.00 | 8/19/2009 6:53:37 AM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:47:58 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:13 AM |
| shanedog | $25.00 | $25.00 | 8/19/2009 1:43:49 PM |
| rjleves | $25.00 | $25.00 | 8/20/2009 1:27:17 AM |
| woodenshoes | $42.05 | $42.05 | 8/20/2009 8:17:22 AM |
| IM-SHARKY | $200.00 | $200.00 | 8/20/2009 10:35:26 AM |
| Halos2002 | $50.00 | $50.00 | 8/20/2009 11:03:23 AM |
| JJS180 | $25.00 | $25.00 | 8/20/2009 2:57:32 PM |
| kenji4861 | $37.10 | $37.10 | 8/20/2009 12:37:24 PM |
| bowdish1 | $25.00 | $25.00 | 8/20/2009 2:32:35 PM |
| MissionMicroFinance | $25.00 | $25.00 | 8/20/2009 3:51:06 PM |
| truth-companion | $25.00 | $25.00 | 8/20/2009 5:18:15 PM |
| Syzygy | $25.00 | $25.00 | 8/20/2009 6:13:52 PM |
| willingnjc | $25.00 | $25.00 | 8/20/2009 10:17:16 PM |
| slartibardfast | $30.00 | $30.00 | 8/21/2009 9:32:23 AM |
| Railbird | $25.00 | $25.00 | 8/21/2009 9:34:22 AM |
| mrzz | $25.00 | $25.00 | 8/21/2009 12:18:17 PM |
| All_Wins | $25.00 | $25.00 | 8/21/2009 10:17:22 AM |
| QsDad | $25.00 | $25.00 | 8/21/2009 11:13:12 AM |
| OLYVRC | $25.00 | $25.00 | 8/21/2009 12:17:57 PM |
| gilbow | $25.00 | $25.00 | 8/21/2009 12:18:42 PM |
| money-shaker | $25.00 | $25.00 | 8/21/2009 4:22:42 PM |
| eyal0 | $25.00 | $25.00 | 8/21/2009 4:22:45 PM |
| hope-eagle6 | $25.00 | $25.00 | 8/21/2009 4:22:40 PM |
| sisepuede | $25.00 | $25.00 | 8/21/2009 4:40:13 PM |
| Ananya | $25.00 | $25.00 | 8/21/2009 6:20:55 PM |
| GElender | $50.00 | $50.00 | 8/23/2009 11:29:18 AM |
| Supp0rter | $50.00 | $50.00 | 8/23/2009 8:12:27 AM |
| keyfig | $25.00 | $25.00 | 8/23/2009 11:29:17 AM |
| Veloce | $25.00 | $25.00 | 8/23/2009 11:29:16 AM |
| ericd523 | $40.00 | $40.00 | 8/24/2009 11:59:50 AM |
| SFBank | $200.00 | $200.00 | 8/25/2009 6:52:08 PM |
| loanman2007 | $75.00 | $75.00 | 8/26/2009 7:20:35 AM |
| GABC-1 | $80.00 | $80.00 | 8/26/2009 8:42:44 AM |
| Sven79 | $100.00 | $100.00 | 8/26/2009 12:51:33 PM |
| EliteCapital | $25.00 | $25.00 | 8/27/2009 11:18:33 AM |
| George2384 | $25.00 | $25.00 | 8/27/2009 7:17:52 AM |
| jdadverb | $36.12 | $36.12 | 8/27/2009 9:39:27 AM |
| yenom | $25.00 | $25.00 | 8/27/2009 11:28:34 AM |
| rxchris | $92.92 | $92.92 | 8/27/2009 3:58:17 PM |
| aqaq8877 | $100.00 | $100.00 | 8/28/2009 10:25:01 AM |
| lawboy74 | $25.00 | $25.00 | 8/28/2009 11:18:44 AM |
| labate | $25.00 | $25.00 | 8/28/2009 12:03:47 PM |
| HomerdohNY | $25.00 | $25.00 | 8/28/2009 1:38:53 PM |
| clemclan | $75.00 | $75.00 | 8/28/2009 3:12:56 PM |
| gpuck | $25.00 | $25.00 | 8/28/2009 4:47:47 PM |
| sunstar | $25.00 | $25.00 | 8/28/2009 9:56:32 PM |
| Castelj | $40.00 | $40.00 | 8/29/2009 9:24:37 AM |
| Uwantfunds | $100.00 | $100.00 | 8/29/2009 6:11:50 AM |
| loner001 | $25.00 | $25.00 | 8/29/2009 8:03:18 AM |
| maga | $100.00 | $100.00 | 8/30/2009 10:14:50 AM |
| orgy63 | $50.00 | $50.00 | 8/29/2009 2:50:55 PM |
| ethicalhumanist | $25.00 | $25.00 | 8/29/2009 3:25:30 PM |
| wild_carrot | $25.00 | $25.00 | 8/29/2009 11:45:28 PM |
| AtmaSingshu | $25.00 | $25.00 | 8/30/2009 4:33:44 AM |
| myworld701 | $25.00 | $25.00 | 8/30/2009 6:04:30 AM |
| acn | $50.00 | $50.00 | 8/30/2009 6:46:23 PM |
| crw1950 | $50.00 | $50.00 | 8/30/2009 8:16:45 PM |
| MoneyOps | $40.00 | $40.00 | 8/30/2009 5:18:56 PM |
| shellstar | $25.00 | $25.00 | 8/30/2009 2:02:12 PM |
| sharp518 | $25.00 | $25.00 | 8/31/2009 4:32:55 AM |
| Mincus | $30.00 | $30.00 | 8/30/2009 7:24:42 PM |
| jimbo29blue | $25.00 | $25.00 | 8/31/2009 8:10:31 AM |
| Jynxie | $50.00 | $50.00 | 8/31/2009 8:10:35 AM |
| MacBrandon | $25.00 | $25.00 | 8/31/2009 8:45:13 AM |
| glenium | $25.00 | $25.00 | 8/31/2009 10:37:41 AM |
| Bodyboard | $25.00 | $25.00 | 8/31/2009 1:05:30 PM |
| SanJoser | $100.00 | $100.00 | 8/31/2009 11:49:03 AM |
| RandyL3 | $25.00 | $25.00 | 8/31/2009 11:03:05 AM |
| bossyboots01 | $50.00 | $50.00 | 8/31/2009 2:50:17 PM |
| gothampark | $25.00 | $25.00 | 8/31/2009 2:28:41 PM |
| drluong | $50.00 | $50.00 | 8/31/2009 3:40:22 PM |
| elated-justice | $25.00 | $25.00 | 8/17/2009 4:08:42 PM |
| don8ter | $60.00 | $60.00 | 8/17/2009 4:09:46 PM |
| thedoctor | $25.00 | $25.00 | 8/17/2009 4:09:59 PM |
| honorable-yield | $50.00 | $50.00 | 8/17/2009 4:10:43 PM |
| Sid-K | $50.00 | $50.00 | 8/17/2009 4:11:54 PM |
| DukSerduk | $25.00 | $25.00 | 8/17/2009 4:12:05 PM |
| mathprof | $25.00 | $25.00 | 8/17/2009 4:12:33 PM |
| cyberie21 | $40.00 | $40.00 | 8/17/2009 4:16:56 PM |
| ekmendenhall | $25.00 | $25.00 | 8/17/2009 7:46:46 PM |
| seasportsguy | $25.00 | $25.00 | 8/17/2009 11:00:51 PM |
| lowestghost | $25.00 | $25.00 | 8/18/2009 6:26:07 AM |
| TK4 | $25.00 | $25.00 | 8/18/2009 12:32:46 PM |
| income-excellence1 | $25.00 | $25.00 | 8/18/2009 3:00:45 PM |
| market-assembler | $25.00 | $25.00 | 8/18/2009 3:59:44 PM |
| Sam65 | $25.00 | $25.00 | 8/18/2009 4:24:53 PM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:36:08 PM |
| PotBellyPete | $25.00 | $25.00 | 8/19/2009 6:52:57 AM |
| tallcoolone | $25.00 | $25.00 | 8/19/2009 7:27:32 PM |
| tlp43 | $25.00 | $25.00 | 8/19/2009 9:47:39 PM |
| cowboyskier | $38.30 | $38.30 | 8/20/2009 7:22:21 AM |
| Jassi | $50.00 | $50.00 | 8/20/2009 9:33:05 AM |
| eyewillfindu | $25.00 | $25.00 | 8/20/2009 11:07:35 AM |
| Guerrilla_Man | $25.00 | $25.00 | 8/20/2009 4:22:09 PM |
| Warbler | $25.00 | $25.00 | 8/20/2009 6:52:46 PM |
| jwood3030 | $25.00 | $25.00 | 8/20/2009 8:47:43 PM |
| grf1945 | $25.00 | $25.00 | 8/21/2009 6:02:41 AM |
| krishopper | $25.00 | $25.00 | 8/21/2009 7:13:04 AM |
| Havnfun | $30.00 | $30.00 | 8/21/2009 8:01:50 AM |
| jldallover | $25.00 | $25.00 | 8/21/2009 11:34:59 AM |
| credit-investor5 | $50.00 | $50.00 | 8/21/2009 9:32:49 AM |
| Sixmil | $25.00 | $25.00 | 8/21/2009 9:34:13 AM |
| DrStaff | $35.25 | $35.25 | 8/21/2009 10:52:33 AM |
| rdrloan | $25.00 | $25.00 | 8/21/2009 11:35:02 AM |
| kyomoon | $61.28 | $61.28 | 8/21/2009 12:18:23 PM |
| fdsguy | $50.00 | $50.00 | 8/21/2009 12:18:35 PM |
| d3global | $25.00 | $25.00 | 8/21/2009 4:20:23 PM |
| YogaDude34 | $25.31 | $25.31 | 8/21/2009 4:16:05 PM |
| jct_enterprises | $25.00 | $25.00 | 8/21/2009 4:22:16 PM |
| Patter256 | $25.00 | $25.00 | 8/21/2009 4:22:34 PM |
| ClearLake | $25.00 | $25.00 | 8/21/2009 4:23:18 PM |
| red-sublime-return | $25.00 | $25.00 | 8/21/2009 4:40:18 PM |
| elasermd | $50.00 | $50.00 | 8/21/2009 7:27:30 PM |
| fostaman | $25.00 | $25.00 | 8/22/2009 3:37:25 PM |
| justanothersushieater | $25.00 | $25.00 | 8/22/2009 10:29:13 AM |
| ProfPC | $25.00 | $25.00 | 8/22/2009 12:13:17 PM |
| BigBoy2008 | $25.00 | $25.00 | 8/22/2009 4:43:28 PM |
| payontime1 | $50.00 | $50.00 | 8/23/2009 10:31:07 AM |
| djs81 | $25.00 | $0.53 | 8/23/2009 11:29:23 AM |
| afford83 | $25.00 | $25.00 | 8/23/2009 2:22:39 PM |
| delivery | $25.00 | $25.00 | 8/24/2009 3:11:42 PM |
| jetblack | $50.00 | $50.00 | 8/25/2009 7:35:40 AM |
| BAEVentures | $25.00 | $25.00 | 8/26/2009 9:08:15 AM |
| HawaiianHelper | $50.00 | $50.00 | 8/27/2009 1:03:31 AM |
| RandyL3 | $25.00 | $25.00 | 8/27/2009 12:45:23 PM |
| best-generosity-financier | $25.00 | $25.00 | 8/27/2009 4:42:06 PM |
| khamen | $25.00 | $25.00 | 8/28/2009 2:15:00 AM |
| golffish2 | $50.00 | $50.00 | 8/28/2009 6:11:46 AM |
| bondhedger | $25.00 | $25.00 | 8/28/2009 8:46:33 AM |
| JerryB96 | $25.00 | $25.00 | 8/28/2009 9:44:04 AM |
| Tulalue | $25.00 | $25.00 | 8/28/2009 7:06:00 AM |
| edsmoney | $100.00 | $100.00 | 8/28/2009 10:03:38 AM |
| Nathan8823 | $25.00 | $25.00 | 8/28/2009 11:51:36 AM |
| festivecpl | $25.00 | $25.00 | 8/28/2009 7:27:16 PM |
| julijask | $25.00 | $25.00 | 8/28/2009 10:36:41 PM |
| Svigel | $25.00 | $25.00 | 8/29/2009 12:45:03 PM |
| KingCroesus | $25.00 | $25.00 | 8/29/2009 12:26:38 AM |
| silvercertificate | $25.00 | $25.00 | 8/29/2009 8:06:30 PM |
| gilbrear | $25.00 | $25.00 | 8/29/2009 7:21:38 PM |
| Kash2010lu | $50.00 | $50.00 | 8/30/2009 12:32:39 PM |
| RIVERBEND | $25.00 | $25.00 | 8/30/2009 3:12:18 AM |
| gatherer750 | $25.00 | $25.00 | 8/30/2009 1:27:40 PM |
| BAEVentures | $25.00 | $25.00 | 8/30/2009 2:20:14 PM |
| jh157765 | $25.00 | $25.00 | 8/30/2009 8:34:12 PM |
| RadarLuv | $25.00 | $25.00 | 8/30/2009 4:57:59 PM |
| oldman68 | $25.00 | $25.00 | 8/30/2009 10:51:25 PM |
| I_want_to_help_you | $25.00 | $25.00 | 8/30/2009 10:52:20 PM |
| sgmm330 | $25.00 | $25.00 | 8/30/2009 11:09:16 PM |
| lucygirl2 | $100.00 | $100.00 | 8/30/2009 7:44:52 PM |
| Bawsth | $25.00 | $25.00 | 8/31/2009 5:39:55 AM |
| ScottFinance | $25.00 | $25.00 | 8/31/2009 7:34:39 AM |
| cemseller | $25.00 | $25.00 | 8/31/2009 8:10:33 AM |
| Midg | $25.00 | $25.00 | 8/31/2009 8:10:45 AM |
| Simply2fly | $25.00 | $25.00 | 8/31/2009 8:19:05 AM |
| jtoms101 | $26.14 | $26.14 | 8/31/2009 6:25:47 AM |
| UC3307 | $90.00 | $90.00 | 8/31/2009 11:09:33 AM |
| flshdaskll | $25.00 | $25.00 | 8/31/2009 9:00:27 AM |
| qkinger | $50.00 | $50.00 | 8/31/2009 9:23:17 AM |
| yu-rik | $50.00 | $50.00 | 8/31/2009 3:39:32 PM |
| 179 bids
|
Borrower Payment Dependent Notes Series
420760
This series of Notes was issued and sold upon the funding of the borrower loan #38481, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
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:
| 10.48% |
Starting borrower rate/APR:
| 11.48% / 13.60% |
Starting monthly payment:
| $263.73 |
|
Final lender yield:
| 8.45% |
Final borrower rate/APR:
| 9.45% / 11.55% |
Final monthly payment:
| $256.08 |
| |
|
Auction yield range:
| 3.18% - 10.48% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Apr-2001 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 840-860 (Aug-2009) |
Current / open credit lines:
| 5
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 14 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,810 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 13% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| ez818 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Building an outdoor patio cover
Hello, thank you for taking the time to view my loan. I have been a prosper lender for about two years, and this will be my first time borrowing through prosper. The purpose of my loan will be to build an outdoor patio cover in my backyard. My wife and I have been slowly progressing through upgrades to the interior of our home in the past couple of years (we did hardwood floors, crown moulding, plantation shutters, new cabinetry, closet world in the master walk in closet, etc.) and decided to install a patio cover in the backyard, which is long overdue. After receiving a few bids from several contractors, we decided to go with the patio cover that will include column posts, a tiled roof to match the existing roof, will have wired in ceiling fans for the warm months, wired in heaters for the cool months, and will be approximately 40 feet wide by 14 feet deep. The contractor that we have chosen came in with a bid of $11,000 before permits, which will be an estimated additional $200-$300. I thought about financing $8,000 and paying the remainder in cash. Thought I would give Prosper borrowing a try! :)
My financial situation:
I am a good candidate for this loan because I have never had a late payment on my credit history, have had the same employment for approximately 5 years, make a stable, secure, W2 income ($8,500 monthly), and additionally have three rental properties with stable tenants (provides me with a net rental income of #1 $1,400, #2 $550, and #3 $900, totaling $2,830 monthly). My mortgage payment on my primary residence is $2,121, my mortgage payment on rental #2 is $1,781 monthly (net income above accounts for the mortgage expense), and rentals #1 and #3 are paid off (rental #3 I have a 50% partner, my net income represents 50% of net rent for the property). All incomes are documented on my previous year's tax return. I do not have any credit card expenses, as they are paid off every month (as shown in my credit profile) and I do not finance my car, I own it outright.
Thank you for taking my loan request into consideration, and I look forward to the opportunity of being a part of your winning lending portfolio!!!
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:
Annual property & school tax burdens? Included in 2121 for primary and the 1750 rental mortgages? Insurance amts. Is 8500 NET or gross? tax/ins. deduct from rent $$. Also 7k+ cc debt mo. seems high for what I perceive net income is. Pls clarify. - icanloanit2u
A:
My 8,500 income is net. For my primary res., taxes and ins. included. For rental #2 ($1781 pmt) taxes, HOA dues, and ins. are included. For rental #1, property tax is appx $1,900/yr (~$160/mo) and insurance is appx 50/mo. For rental #3, taxes are $1600/yr ($133/mo) and ins. is appx $50/month. My CC debt was higher the month it was pulled because I believe it included the Closet World we recently purchased (~$4800). It has since been paid off in full, as I'm sure my credit score reflects.
(Aug-19-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| brightest-revenue-spark | $25.00 | $25.00 | 8/17/2009 4:08:38 PM |
| don8ter | $60.00 | $60.00 | 8/17/2009 4:09:50 PM |
| thedoctor | $25.00 | $25.00 | 8/17/2009 4:10:03 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/17/2009 4:10:22 PM |
| Syzygy | $25.00 | $25.00 | 8/17/2009 4:10:57 PM |
| DukSerduk | $25.00 | $25.00 | 8/17/2009 4:12:08 PM |
| Sid-K | $50.00 | $50.00 | 8/17/2009 4:11:58 PM |
| skuba | $50.00 | $50.00 | 8/17/2009 4:12:48 PM |
| abuyama22 | $25.00 | $25.00 | 8/17/2009 4:12:21 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/17/2009 4:13:01 PM |
| mathprof | $25.00 | $25.00 | 8/17/2009 4:12:38 PM |
| bchen78875 | $50.00 | $50.00 | 8/17/2009 4:13:27 PM |
| Artist_Blue | $25.00 | $25.00 | 8/17/2009 4:13:15 PM |
| anton | $50.00 | $50.00 | 8/17/2009 4:45:47 PM |
| d3global | $25.00 | $25.00 | 8/17/2009 8:55:40 PM |
| MidnightBank | $25.00 | $25.00 | 8/17/2009 9:16:19 PM |
| seasportsguy | $25.00 | $25.00 | 8/17/2009 9:11:23 PM |
| zento | $25.00 | $25.00 | 8/18/2009 9:32:14 AM |
| mh1169 | $25.00 | $25.00 | 8/18/2009 4:36:12 PM |
| cyberie21 | $40.00 | $40.00 | 8/19/2009 6:53:32 AM |
| leonchik77 | $25.00 | $25.00 | 8/19/2009 8:36:21 AM |
| Halos2002 | $50.00 | $50.00 | 8/19/2009 9:27:49 AM |
| kawakami | $25.00 | $25.00 | 8/19/2009 10:01:05 AM |
| Patter256 | $25.00 | $25.00 | 8/19/2009 12:12:43 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 8/19/2009 3:42:16 PM |
| TexasLender2007 | $25.00 | $25.00 | 8/19/2009 5:54:12 PM |
| GABC-1 | $43.00 | $43.00 | 8/20/2009 11:12:18 AM |
| Digs | $25.00 | $25.00 | 8/20/2009 11:13:43 AM |
| jetblack | $50.00 | $50.00 | 8/20/2009 11:13:23 AM |
| minista | $25.00 | $25.00 | 8/20/2009 11:13:45 AM |
| unadilla | $25.00 | $25.00 | 8/20/2009 11:44:19 AM |
| EmeritusX | $25.00 | $25.00 | 8/20/2009 2:32:30 PM |
| IceFisherman | $71.38 | $71.38 | 8/20/2009 4:08:14 PM |
| restless-balance | $25.00 | $25.00 | 8/20/2009 4:02:51 PM |
| blot44 | $50.00 | $50.00 | 8/20/2009 6:35:34 PM |
| Medops911 | $25.00 | $25.00 | 8/21/2009 9:33:14 AM |
| bossyboots01 | $50.00 | $50.00 | 8/21/2009 10:05:51 AM |
| payontime1 | $50.00 | $50.00 | 8/21/2009 4:13:36 PM |
| Barky52 | $25.00 | $25.00 | 8/21/2009 7:08:20 PM |
| FundMaker | $25.00 | $25.00 | 8/21/2009 7:24:58 PM |
| hellasow | $25.00 | $25.00 | 8/22/2009 12:12:42 PM |
| psbruce | $30.00 | $30.00 | 8/22/2009 9:45:03 AM |
| paixbouche | $50.00 | $50.00 | 8/22/2009 2:38:46 PM |
| Guiren | $100.00 | $100.00 | 8/23/2009 10:32:32 AM |
| iruz | $25.00 | $25.00 | 8/24/2009 6:28:27 AM |
| llequire1 | $200.00 | $200.00 | 8/24/2009 12:00:30 PM |
| justin323 | $25.00 | $25.00 | 8/24/2009 5:49:01 PM |
| Camerican | $25.00 | $25.00 | 8/25/2009 3:24:27 AM |
| albatross897 | $25.00 | $25.00 | 8/25/2009 4:37:27 AM |
| outofoffice | $50.00 | $50.00 | 8/24/2009 9:20:52 PM |
| Richmp412 | $25.20 | $25.20 | 8/25/2009 7:02:21 AM |
| enriching-payout | $25.00 | $25.00 | 8/25/2009 10:07:27 AM |
| njmlaj726 | $50.00 | $50.00 | 8/25/2009 9:51:11 AM |
| SOP_Bank | $25.00 | $25.00 | 8/25/2009 6:12:36 PM |
| greenback-octave | $25.00 | $25.00 | 8/25/2009 10:26:18 PM |
| evolsb | $25.00 | $25.00 | 8/26/2009 7:27:33 AM |
| foolish08 | $45.84 | $45.84 | 8/26/2009 12:21:37 AM |
| richmondcowboy | $50.00 | $50.00 | 8/26/2009 6:45:55 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 8/26/2009 6:55:04 AM |
| RIVERBEND | $25.00 | $25.00 | 8/26/2009 8:09:56 AM |
| Apache6 | $25.00 | $25.00 | 8/26/2009 8:48:51 AM |
| dpries123 | $25.00 | $25.00 | 8/26/2009 1:29:52 PM |
| ArtLends | $50.00 | $50.00 | 8/26/2009 4:54:04 PM |
| Auditman | $50.00 | $50.00 | 8/26/2009 5:49:24 PM |
| HawaiianHelper | $100.00 | $100.00 | 8/27/2009 1:11:10 AM |
| Tulalue | $25.00 | $25.00 | 8/27/2009 5:47:49 AM |
| xp_pepper | $25.00 | $25.00 | 8/27/2009 6:34:56 AM |
| 449449 | $82.00 | $82.00 | 8/27/2009 1:14:48 PM |
| Okeey | $25.00 | $25.00 | 8/27/2009 1:22:29 PM |
| himanshuko | $100.00 | $100.00 | 8/27/2009 11:45:10 AM |
| loanshark62 | $25.00 | $25.00 | 8/27/2009 5:16:51 PM |
| icanloanit2u | $50.00 | $50.00 | 8/28/2009 5:45:54 AM |
| golffish2 | $50.00 | $50.00 | 8/28/2009 6:13:46 AM |
| Eagledrop | $25.00 | $25.00 | 8/28/2009 6:52:43 AM |
| alydad1 | $25.00 | $25.00 | 8/28/2009 10:55:11 AM |
| slick8812 | $25.00 | $25.00 | 8/28/2009 2:53:30 PM |
| JerryB96 | $25.00 | $25.00 | 8/29/2009 8:49:16 AM |
| Uwantfunds | $50.00 | $50.00 | 8/29/2009 6:09:08 AM |
| GEOFFS3 | $25.00 | $25.00 | 8/29/2009 8:54:00 AM |
| julijask | $25.00 | $25.00 | 8/29/2009 10:56:04 AM |
| Penguin267 | $50.00 | $50.00 | 8/30/2009 9:24:36 AM |
| whazarook | $25.00 | $25.00 | 8/29/2009 1:54:13 PM |
| Metasequoia | $25.00 | $25.00 | 8/30/2009 8:34:50 AM |
| -------ing1 | $50.00 | $50.00 | 8/30/2009 3:21:36 PM |
| JACJ | $25.00 | $25.00 | 8/30/2009 9:02:56 AM |
| -------ing1 | $50.00 | $50.00 | 8/30/2009 3:30:30 PM |
| dollarboy | $25.00 | $25.00 | 8/30/2009 9:03:44 PM |
| us957165 | $25.00 | $25.00 | 8/30/2009 3:18:55 PM |
| gothampark | $50.00 | $50.00 | 8/30/2009 4:06:47 PM |
| nashibaksi | $100.00 | $100.00 | 8/30/2009 7:19:52 PM |
| bomdel | $25.00 | $25.00 | 8/31/2009 5:30:43 AM |
| ratzlefrss | $50.00 | $50.00 | 8/31/2009 10:41:24 AM |
| maga | $100.00 | $100.00 | 8/31/2009 11:46:42 AM |
| Lender50 | $25.00 | $25.00 | 8/31/2009 10:49:35 AM |
| brutai | $50.00 | $50.00 | 8/31/2009 10:18:05 AM |
| Marco83 | $100.00 | $100.00 | 8/31/2009 12:57:13 PM |
| yield-quest | $25.00 | $25.00 | 8/31/2009 1:15:00 PM |
| MoneyForNothing | $25.00 | $25.00 | 8/31/2009 1:56:29 PM |
| edognyc | $50.00 | $50.00 | 8/31/2009 11:43:40 AM |
| e3oM | $50.00 | $50.00 | 8/31/2009 1:13:16 PM |
| cards4u | $84.21 | $84.21 | 8/31/2009 3:48:27 PM |
| Money2Lend_U | $500.00 | $500.00 | 8/31/2009 3:52:33 PM |
| greenback-floret | $25.00 | $25.00 | 8/17/2009 4:08:55 PM |
| Iwantahelp | $25.00 | $25.00 | 8/17/2009 4:09:10 PM |
| r1g3l | $25.00 | $25.00 | 8/17/2009 4:10:33 PM |
| honorable-yield | $50.00 | $50.00 | 8/17/2009 4:10:46 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/17/2009 4:11:06 PM |
| turbospeed | $25.00 | $25.00 | 8/17/2009 4:11:47 PM |
| turbostar666 | $50.00 | $50.00 | 8/17/2009 4:11:25 PM |
| elated-justice | $25.00 | $25.00 | 8/17/2009 4:11:36 PM |
| 888168 | $50.00 | $50.00 | 8/17/2009 4:12:28 PM |
| whitegold24k | $250.00 | $250.00 | 8/17/2009 4:15:26 PM |
| lowestghost | $25.00 | $25.00 | 8/17/2009 4:17:06 PM |
| ClearLake | $25.00 | $25.00 | 8/17/2009 4:17:23 PM |
| income-excellence1 | $25.00 | $25.00 | 8/17/2009 4:17:00 PM |
| ekmendenhall | $25.00 | $25.00 | 8/17/2009 7:46:48 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/17/2009 8:26:24 PM |
| PotBellyPete | $25.00 | $25.00 | 8/18/2009 9:32:33 AM |
| shanedog | $25.00 | $25.00 | 8/18/2009 4:25:23 PM |
| Cheburashka | $25.00 | $25.00 | 8/18/2009 4:32:26 PM |
| 16888 | $50.04 | $50.04 | 8/19/2009 5:05:56 AM |
| Avala | $25.00 | $25.00 | 8/19/2009 6:53:30 AM |
| axelducheck | $25.00 | $25.00 | 8/19/2009 6:54:05 AM |
| personal-lender | $25.00 | $25.00 | 8/19/2009 7:48:12 AM |
| BookandLaw | $25.00 | $25.00 | 8/19/2009 9:09:18 AM |
| mnguy8484 | $50.00 | $50.00 | 8/19/2009 8:54:44 AM |
| Warbler | $25.00 | $5.74 | 8/19/2009 1:33:07 PM |
| prossperous01 | $25.00 | $25.00 | 8/19/2009 1:45:22 PM |
| loanman2007 | $75.00 | $75.00 | 8/20/2009 11:44:15 AM |
| kulender | $50.00 | $50.00 | 8/20/2009 10:04:27 PM |
| little_shark_J | $25.00 | $25.00 | 8/20/2009 11:07:26 PM |
| McChan | $100.00 | $100.00 | 8/21/2009 11:27:02 AM |
| LandE2BG | $50.00 | $50.00 | 8/21/2009 4:15:21 PM |
| Circle_of_Life | $100.00 | $100.00 | 8/21/2009 8:24:00 PM |
| LSAR | $25.00 | $25.00 | 8/23/2009 7:05:11 AM |
| RadarLuv | $25.00 | $25.00 | 8/23/2009 4:02:14 PM |
| market-assembler | $25.00 | $25.00 | 8/23/2009 11:29:38 AM |
| Lotsofbears | $25.00 | $25.00 | 8/24/2009 10:08:15 AM |
| Dollars4Rent | $25.00 | $25.00 | 8/24/2009 8:12:40 AM |
| statenisland51 | $50.00 | $50.00 | 8/24/2009 5:30:00 PM |
| Jim33 | $25.00 | $25.00 | 8/24/2009 9:08:33 PM |
| busyguy07 | $25.00 | $25.00 | 8/24/2009 4:28:33 PM |
| Ven58 | $25.00 | $25.00 | 8/25/2009 3:27:15 AM |
| quiggles | $25.00 | $25.00 | 8/25/2009 8:02:45 AM |
| OCLend | $25.00 | $25.00 | 8/25/2009 11:47:18 AM |
| wuscjim | $50.00 | $50.00 | 8/25/2009 5:29:09 PM |
| cippy | $100.00 | $100.00 | 8/25/2009 7:43:00 PM |
| mitchandre | $25.00 | $25.00 | 8/25/2009 8:30:13 PM |
| comicgeek | $25.00 | $25.00 | 8/26/2009 7:41:03 AM |
| don'twannadance | $50.00 | $50.00 | 8/26/2009 12:15:15 PM |
| djmjkelso | $25.00 | $25.00 | 8/26/2009 1:24:55 PM |
| zhiguli | $27.78 | $27.78 | 8/27/2009 1:08:11 AM |
| JACJ | $25.00 | $25.00 | 8/27/2009 3:55:47 AM |
| scrabbler | $25.00 | $25.00 | 8/27/2009 6:41:46 AM |
| Jazz215 | $100.00 | $100.00 | 8/27/2009 11:52:54 AM |
| best-generosity-financier | $25.00 | $25.00 | 8/27/2009 5:12:58 PM |
| khamen | $25.00 | $25.00 | 8/28/2009 2:19:26 AM |
| truth-candy | $25.00 | $25.00 | 8/27/2009 5:44:39 PM |
| festivecpl | $25.00 | $25.00 | 8/28/2009 6:24:45 AM |
| enigmallc | $100.00 | $100.00 | 8/27/2009 6:58:48 PM |
| aqaq8877 | $65.00 | $65.00 | 8/28/2009 10:13:19 AM |
| AsianDragon | $55.00 | $55.00 | 8/28/2009 11:37:51 AM |
| mrxtravis | $25.00 | $25.00 | 8/28/2009 4:01:20 PM |
| colorunner | $25.00 | $25.00 | 8/28/2009 3:04:57 PM |
| Ven58 | $25.00 | $25.00 | 8/28/2009 3:06:47 PM |
| nestegg4e | $25.00 | $25.00 | 8/28/2009 6:29:21 PM |
| ManhattanLender | $25.00 | $25.00 | 8/28/2009 4:42:36 PM |
| word140 | $25.00 | $25.00 | 8/28/2009 6:08:45 PM |
| bkb7484 | $25.00 | $25.00 | 8/29/2009 1:11:20 AM |
| suburbanman64 | $29.05 | $29.05 | 8/29/2009 3:40:28 AM |
| power-cell | $50.00 | $50.00 | 8/29/2009 6:10:12 AM |
| Havnfun | $25.00 | $25.00 | 8/29/2009 3:20:01 PM |
| Algaes | $25.00 | $25.00 | 8/30/2009 6:45:14 AM |
| Galdis | $25.00 | $25.00 | 8/29/2009 11:01:55 PM |
| the_prince | $50.00 | $50.00 | 8/29/2009 1:24:59 PM |
| senior1 | $25.00 | $25.00 | 8/30/2009 12:23:47 PM |
| dhallii | $38.00 | $38.00 | 8/30/2009 6:48:13 AM |
| macbeck22 | $50.33 | $50.33 | 8/30/2009 9:39:19 AM |
| msg500wave | $37.40 | $37.40 | 8/31/2009 5:31:00 AM |
| Charmart | $25.00 | $25.00 | 8/30/2009 4:39:28 PM |
| socal-lender | $25.00 | $25.00 | 8/31/2009 9:40:38 AM |
| SafeSaxa | $25.00 | $25.00 | 8/31/2009 5:31:02 AM |
| flshdaskll | $37.03 | $37.03 | 8/31/2009 9:02:47 AM |
| redrose1518 | $35.00 | $35.00 | 8/31/2009 7:20:10 AM |
| ScottFinance | $25.00 | $25.00 | 8/31/2009 7:36:12 AM |
| historyman | $25.00 | $25.00 | 8/31/2009 11:03:40 AM |
| verse99 | $88.00 | $88.00 | 8/31/2009 9:42:43 AM |
| UC3307 | $100.00 | $100.00 | 8/31/2009 11:21:11 AM |
| busybee999 | $25.00 | $25.00 | 8/31/2009 3:37:14 PM |
| ThPIllowSack | $25.00 | $25.00 | 8/31/2009 3:53:46 PM |
| 190 bids
|
Borrower Payment Dependent Notes Series
421722
This series of Notes was issued and sold upon the funding of the borrower loan #38461, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,700.00 |
Prosper Rating:
| E |
Auction start date:
| Aug-26-2009 |
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction end date:
| Sep-03-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $122.14 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $122.14 |
| |
|
Auction yield range:
| 14.18% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
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:
| Nov-2003 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 600-620 (Aug-2009) |
Current / open credit lines:
| 22
/
22 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,252 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 74% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| skramer221 |
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:
| 33 ( 97% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < mo. late:
| 1
( 3% )
| 620-640
(Oct-2006)
|
|
Principal balance:
| $163.92 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
Aiming to Purchase 1st Home
I currently have received a promotion with my job which is helping me pay off more of my debt, but I still need some help. This loan will be used to?help pay off revolving credit that has been acquired during my attendance to college.?I have also,?just recently had?to have eye surgery which adds to my financial responsabilites.?I aim to?be purchasing a house in the future and need to improve my?financial situation now.?
My pervious prosper loan?payments are being completed next month, earlier than agreed upon in the promissary note. The revolving credit of $12,000 will be?signifcantly decreased. I did notice that on my last credit protection report last month my score was 640. The?score listed of 600-620 is slightly?skewed. This loan is being used to lower all open and revolving credit in order to higher my credit score.
Monthly net income: $2,320
Monthly expenses: $ 2030
??Housing: $ 600
??Insurance: $ 30
? Car expenses: $ 100
? Utilities: $ 150
? Phone, cable, internet: $ 100
? Food, entertainment: $ 400
? Credit cards and other loans: $?650
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 plan to have this loan paid for completly by the end of the 2nd year of this loan.
(Aug-27-2009)
Q:
Will this loan reduce your total monthly payments? If so, how much? - justme4now
A:
This loan will reduce my monthly payments. My current prosper loan gets paid off next month on the 24th. This frees up 169 dollars a month. My new payment is 122 a month with this loan request. This current request will allow me to pay off my eye surgery that is 80 dollars a month. As well as 3 charge charges totally payments of 150 dollars a month. My total savings is of 277 a month. This saving will help me pay more to not only this loan but also my other revolving credit.
(Aug-27-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $500.00 | $500.00 | 8/26/2009 9:08:31 PM |
| Sudoku | $50.00 | $50.00 | 8/26/2009 10:33:54 PM |
| victor111 | $37.50 | $37.50 | 8/27/2009 8:31:56 AM |
| sweety075 | $25.00 | $25.00 | 8/27/2009 10:22:18 AM |
| bobd32 | $25.00 | $25.00 | 8/27/2009 11:18:51 AM |
| hektek22 | $300.00 | $300.00 | 8/27/2009 9:51:03 PM |
| MONEY_IN_THE_BANK | $67.35 | $67.35 | 8/28/2009 6:28:49 AM |
| Lubava | $25.00 | $25.00 | 8/28/2009 12:17:03 PM |
| justme4now | $25.00 | $25.00 | 8/28/2009 5:02:50 PM |
| kingpin1 | $50.00 | $50.00 | 8/29/2009 2:30:29 PM |
| Unitas4302 | $200.00 | $200.00 | 8/29/2009 2:51:53 PM |
| festivecpl | $25.00 | $25.00 | 8/29/2009 3:59:24 PM |
| aztocas | $25.00 | $25.00 | 8/29/2009 7:00:58 PM |
| jbloans | $25.00 | $25.00 | 8/30/2009 8:33:02 AM |
| Engineer44 | $25.00 | $25.00 | 8/30/2009 10:13:27 AM |
| dorypro | $25.00 | $25.00 | 8/31/2009 8:24:23 AM |
| Pintu_Desai | $25.00 | $25.00 | 8/31/2009 10:35:18 AM |
| Flying_Tilapia | $25.00 | $25.00 | 8/31/2009 3:02:45 PM |
| kingbob | $35.10 | $35.10 | 8/31/2009 1:59:34 PM |
| rakey | $25.00 | $25.00 | 8/31/2009 7:41:44 PM |
| AndyT1999 | $25.00 | $25.00 | 8/31/2009 6:19:27 PM |
| HenlopenCapital | $25.00 | $25.00 | 9/1/2009 7:32:00 AM |
| Au-Ag-Pt | $25.00 | $25.00 | 9/1/2009 12:22:21 PM |
| dblakels | $25.00 | $25.00 | 9/1/2009 8:34:51 PM |
| Iceman1347 | $25.00 | $25.00 | 9/1/2009 10:33:44 PM |
| pyungpyung | $25.45 | $25.45 | 9/2/2009 1:25:48 PM |
| plantengineer | $25.00 | $25.00 | 9/3/2009 5:02:01 AM |
| Cambium | $40.00 | $40.00 | 9/3/2009 10:40:24 AM |
| titancash4u | $25.00 | $25.00 | 9/3/2009 10:45:32 AM |
| groundsquirrel | $25.00 | $25.00 | 9/2/2009 10:43:18 PM |
| ZOOOM | $50.00 | $43.77 | 9/3/2009 7:34:23 AM |
| blazing-capital | $100.00 | $100.00 | 8/27/2009 3:01:13 PM |
| periko | $50.00 | $50.00 | 8/27/2009 3:40:38 PM |
| EEasyMoney | $50.00 | $50.00 | 8/27/2009 10:31:03 PM |
| aztocas | $25.00 | $25.00 | 8/27/2009 7:24:53 PM |
| EEasyMoney | $25.00 | $25.00 | 8/27/2009 10:27:47 PM |
| EngineersAlliance | $25.00 | $25.00 | 8/28/2009 5:30:15 PM |
| foothillender | $25.00 | $25.00 | 8/29/2009 1:18:42 PM |
| mrbill5548 | $25.00 | $25.00 | 8/29/2009 1:20:16 PM |
| Kqwik | $43.39 | $43.39 | 8/30/2009 9:18:52 PM |
| moo916 | $25.00 | $25.00 | 8/31/2009 6:26:38 AM |
| tdorren | $25.00 | $25.00 | 9/2/2009 5:18:17 AM |
| element40 | $50.00 | $50.00 | 9/2/2009 7:27:43 AM |
| optionscashflow | $25.00 | $25.00 | 9/1/2009 10:15:22 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 9/2/2009 4:10:02 AM |
| zasonsasu1 | $25.00 | $25.00 | 9/2/2009 4:05:01 PM |
| JustCallMePasch | $25.00 | $25.00 | 9/2/2009 5:19:41 PM |
| NC_Capital_Funding | $122.09 | $122.09 | 9/2/2009 11:37:38 PM |
| Jinja | $25.00 | $25.00 | 9/3/2009 11:19:20 AM |
| rate-farm3 | $60.35 | $60.35 | 9/3/2009 12:15:04 PM |
| weepeople | $25.00 | $25.00 | 9/3/2009 9:39:40 AM |
| bigdees | $50.00 | $50.00 | 9/3/2009 2:59:45 PM |
| 52 bids
|
Borrower Payment Dependent Notes Series
421826
This series of Notes was issued and sold upon the funding of the borrower loan #38498, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,600.00 |
Prosper Rating:
| C |
Auction start date:
| Aug-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction end date:
| Sep-07-2009 |
|
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $192.77 |
|
Final lender yield:
| 22.00% |
Final borrower rate/APR:
| 23.00% / 25.28% |
Final monthly payment:
| $178.06 |
| |
|
Auction yield range:
| 8.18% - 28.00% |
Estimated loss impact:
| 7.02% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.98% | | |
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-1987 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 680-700 (Aug-2009) |
Current / open credit lines:
| 21
/
18 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 47 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $105,142 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 88% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| Atlbusinessmaverick |
Borrower's state:
| Georgia |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 22 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $20,600.00 | < mo. late:
| 0
( 0% )
| 680-700
(Jul-2009)
680-700
(Apr-2007)
720-740
(Sep-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
3rd Loan-No late pays
Purpose of loan: Prosper lender seeking to consolidate?2 loans ($3000 and $1600) into one which will save me $100 per month.? This decision was influenced due to an increase interest rate on 2 of my cards.??
My financial situation: As you can see from my credit file, I have no late pays and take my credit very serious.? I am a degreed healthcare professional/manager employed by a Fortune 500 company.? Although my DTI is a bit high, I am an excellent canidate for your hard earned money.? As a?previous prosper lender (I've funded 29 loans), I understand the importance of a good, reliable return.My?salary including my annual bonus (already paid for 2009) is?approx. 107k (w-2 documents provided)????I have?in excess of $51,000 in?savings (mostly retirement funds).? As you can see, repayment is not a problem for me.? I have successfully?paid off two prosper loans w/ perfect payments, $16,000 and $4600 respectively.?
My?high revolving credit is the result of two HELOCs being counted as revolving credit in the amounts of $49,000 and $12,000 respectively.
In addition to my primary residence, I also own 3 single family homes in the Atlanta area that I successfully rent.? I am a not a flipper and have owned my rental properties for 11, 5, and 3 years respectfully.? My rentals are cash flow positve and occupied.
Below is a summary of my monthly income and expenses based on my base salary, which doesn't include my annual bonus or rental income.
Income:? $5050
Expenses:
Housing $800
Insurance $240
Car $730
utilities $350
credit cards/revolving accts: $1400
Monthly leftover: $1530
Thanks for your reviewing my loan request.
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) |
|
| Madron | $25.00 | $25.00 | 8/25/2009 1:45:22 AM |
| M_V | $100.00 | $100.00 | 8/25/2009 4:43:04 PM |
| mrreynol | $25.00 | $25.00 | 8/26/2009 5:31:25 PM |
| treebird | $50.00 | $50.00 | 8/28/2009 10:57:57 AM |
| Bank_Of_XL | $100.00 | $100.00 | 8/29/2009 9:21:28 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/29/2009 9:38:10 PM |
| building_community | $80.43 | $80.43 | 9/1/2009 9:13:02 AM |
| tnjohnso | $25.00 | $25.00 | 9/2/2009 2:38:43 AM |
| riverzeus | $78.32 | $78.32 | 9/2/2009 8:13:24 PM |
| Ven58 | $25.00 | $25.00 | 9/2/2009 4:37:09 PM |
| scottr | $25.00 | $25.00 | 9/3/2009 3:57:16 PM |
| hamster | $27.80 | $27.80 | 9/4/2009 6:44:25 AM |
| quicksilver70 | $25.00 | $25.00 | 9/3/2009 7:40:52 PM |
| jelly1126 | $50.00 | $50.00 | 9/4/2009 8:19:00 AM |
| Personal-Bond | $50.00 | $50.00 | 9/4/2009 1:20:52 PM |
| Traal | $25.00 | $25.00 | 9/4/2009 1:21:15 PM |
| tashara | $25.00 | $25.00 | 9/4/2009 4:04:00 PM |
| gr8heart | $25.00 | $25.00 | 9/4/2009 5:09:18 PM |
| BuzzyBee336 | $25.00 | $25.00 | 9/4/2009 4:01:13 PM |
| CoolPlexer | $38.72 | $38.72 | 9/5/2009 11:24:13 AM |
| gustavholstopus32 | $25.00 | $25.00 | 9/5/2009 8:33:18 PM |
| mark1017-31 | $250.00 | $250.00 | 9/5/2009 4:07:04 PM |
| CMDCO | $50.00 | $50.00 | 9/6/2009 6:21:49 AM |
| JCM_MN | $43.45 | $43.45 | 9/5/2009 7:29:44 PM |
| bambampk | $59.23 | $59.23 | 9/5/2009 7:58:12 PM |
| NC_Capital_Funding | $25.00 | $25.00 | 9/6/2009 11:39:10 AM |
| drg6289 | $50.00 | $24.78 | 9/5/2009 5:37:08 PM |
| shag2 | $40.00 | $40.00 | 9/6/2009 2:58:06 PM |
| gilbrear | $25.00 | $25.00 | 9/6/2009 3:12:06 PM |
| unbeatable-wealth | $25.00 | $25.00 | 9/5/2009 11:09:38 PM |
| gothampark | $25.00 | $25.00 | 9/6/2009 7:35:17 PM |
| primed | $50.00 | $50.00 | 9/6/2009 5:31:26 AM |
| Jinja | $40.00 | $40.00 | 9/6/2009 9:22:32 AM |
| VitaminFunk | $25.00 | $25.00 | 9/6/2009 5:37:05 PM |
| Chillito | $50.00 | $50.00 | 9/7/2009 7:30:30 AM |
| ritwik | $50.00 | $50.00 | 9/7/2009 8:33:27 AM |
| divine940 | $60.62 | $60.62 | 9/7/2009 8:49:42 AM |
| Lending1239 | $25.00 | $25.00 | 9/6/2009 10:55:31 PM |
| cleo1255 | $50.00 | $50.00 | 9/7/2009 11:56:17 AM |
| mobius_titan | $25.00 | $25.00 | 9/7/2009 3:34:08 PM |
| nbhz60a | $25.00 | $25.00 | 9/7/2009 3:53:45 PM |
| AuroraRobbin | $50.00 | $50.00 | 9/7/2009 3:47:10 PM |
| Engineer44 | $40.00 | $40.00 | 9/7/2009 3:57:35 PM |
| SKLend | $25.00 | $25.00 | 9/7/2009 3:56:38 PM |
| rate-mogul | $25.00 | $25.00 | 8/24/2009 4:11:21 PM |
| Unitas4302 | $50.00 | $50.00 | 8/25/2009 5:14:43 PM |
| Syzygy | $25.00 | $25.00 | 8/26/2009 1:11:54 PM |
| Top_Gun_Lender | $40.00 | $40.00 | 8/27/2009 8:45:24 PM |
| capital_gains | $100.00 | $100.00 | 8/28/2009 1:43:06 PM |
| Sol_Invictus | $25.00 | $25.00 | 8/29/2009 8:51:51 AM |
| bid-wonder | $25.00 | $25.00 | 8/30/2009 6:05:18 PM |
| FinanceEngine | $25.00 | $25.00 | 8/30/2009 7:28:01 PM |
| SwiDaddy | $25.00 | $25.00 | 8/31/2009 4:38:45 PM |
| CA_Lender | $25.00 | $25.00 | 8/31/2009 6:30:23 PM |
| Loan_Stranger | $50.00 | $50.00 | 9/1/2009 4:08:17 PM |
| transaction-animal8 | $25.00 | $25.00 | 9/1/2009 4:17:36 PM |
| Firescreek | $25.00 | $25.00 | 9/2/2009 10:23:12 AM |
| blackstar | $25.00 | $25.00 | 9/3/2009 6:01:59 AM |
| Spiderman55 | $50.00 | $50.00 | 9/3/2009 7:52:22 AM |
| geniusj | $50.00 | $50.00 | 9/3/2009 9:15:21 AM |
| mmrothsc | $53.79 | $53.79 | 9/3/2009 7:23:19 AM |
| foofiter | $25.00 | $25.00 | 9/3/2009 7:40:08 AM |
| twjh | $25.00 | $25.00 | 9/3/2009 2:18:09 PM |
| inforapenny | $25.00 | $25.00 | 9/3/2009 4:25:15 PM |
| Credit2Prosper | $25.00 | $25.00 | 9/4/2009 11:46:22 AM |
| nimble-revenue | $50.00 | $50.00 | 9/4/2009 3:21:53 PM |
| srthsvghdthtr | $25.00 | $25.00 | 9/4/2009 1:25:16 PM |
| outofoffice | $75.00 | $75.00 | 9/4/2009 8:25:45 PM |
| truelumen | $50.00 | $50.00 | 9/4/2009 6:27:48 PM |
| 1LendingSource | $50.00 | $50.00 | 9/5/2009 12:14:32 PM |
| SkinnyFish | $25.00 | $25.00 | 9/5/2009 12:44:29 PM |
| Onlyhappycustomers | $25.00 | $25.00 | 9/5/2009 5:33:34 PM |
| Ruddyboy | $33.12 | $33.12 | 9/4/2009 10:20:28 PM |
| Deebz | $30.74 | $30.74 | 9/5/2009 8:19:24 AM |
| Cashlender1992 | $26.86 | $26.86 | 9/5/2009 10:51:57 PM |
| Gobsek | $50.00 | $50.00 | 9/5/2009 9:36:12 AM |
| acn | $52.68 | $52.68 | 9/5/2009 8:27:36 PM |
| carmat60 | $25.00 | $25.00 | 9/6/2009 12:07:47 AM |
| thoughtful-investment045 | $25.00 | $25.00 | 9/6/2009 11:54:53 AM |
| realtormoises | $25.00 | $25.00 | 9/6/2009 6:42:39 PM |
| whatreality | $33.27 | $33.27 | 9/7/2009 8:32:35 AM |
| leftof_center | $25.00 | $25.00 | 9/7/2009 9:21:42 AM |
| catalystcf | $50.00 | $50.00 | 9/7/2009 10:50:16 AM |
| kdubb | $25.00 | $25.00 | 9/6/2009 10:55:32 PM |
| coldfuzion | $32.58 | $32.58 | 9/7/2009 12:30:42 AM |
| IM-SHARKY | $1,000.00 | $1,000.00 | 9/7/2009 3:53:18 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/7/2009 3:55:04 PM |
| ladyjam22 | $38.50 | $38.50 | 9/7/2009 8:57:53 AM |
| SkinnyFish | $25.00 | $25.00 | 9/7/2009 2:34:47 PM |
| dorypro | $25.00 | $25.00 | 9/7/2009 3:57:49 PM |
| credit-maestro | $25.11 | $25.11 | 9/7/2009 3:36:12 PM |
| kinetic-social | $25.00 | $25.00 | 9/7/2009 3:56:18 PM |
| 92 bids
|
Borrower Payment Dependent Notes Series
421832
This series of Notes was issued and sold upon the funding of the borrower loan #38464, 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-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 8.5% |
Auction end date:
| Sep-02-2009 |
|
|
Starting lender yield:
| 24.61% |
Starting borrower rate/APR:
| 25.61% / 27.92% |
Starting monthly payment:
| $280.58 |
|
Final lender yield:
| 22.60% |
Final borrower rate/APR:
| 23.60% / 25.89% |
Final monthly payment:
| $273.16 |
| |
|
Auction yield range:
| 8.18% - 24.61% |
Estimated loss impact:
| 9.03% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.57% | | |
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:
| May-1984 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 780-800 (Aug-2009) |
Current / open credit lines:
| 14
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 47 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $33,318 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 56% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 6 | | | | |
|
Screen name:
| proud-funds4 |
Borrower's state:
| NewHampshire |
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
Waiting on HE Loan from the Bank
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
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) |
|
| personal-lender | $25.00 | $25.00 | 8/24/2009 4:01:03 PM |
| goofy15975 | $25.00 | $25.00 | 8/24/2009 4:02:31 PM |
| topher515 | $25.00 | $25.00 | 8/24/2009 4:11:14 PM |
| Sateesh | $100.00 | $100.00 | 8/24/2009 3:59:08 PM |
| rmachi | $25.00 | $25.00 | 8/24/2009 4:01:00 PM |
| unclejaef | $25.00 | $25.00 | 8/24/2009 4:01:29 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/24/2009 4:01:31 PM |
| hc90474 | $25.00 | $25.00 | 8/24/2009 4:01:36 PM |
| GMPK_TLAS | $25.00 | $25.00 | 8/24/2009 4:01:42 PM |
| Papa_Mema | $50.00 | $50.00 | 8/24/2009 4:02:15 PM |
| willingnjc | $25.00 | $25.00 | 8/24/2009 4:02:26 PM |
| heavy_ax | $25.00 | $25.00 | 8/24/2009 4:02:49 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 8/24/2009 4:01:13 PM |
| honorable-yield | $25.00 | $25.00 | 8/24/2009 4:01:58 PM |
| wampum-proton | $25.00 | $25.00 | 8/24/2009 4:02:01 PM |
| FeedTheMachine | $150.00 | $150.00 | 8/24/2009 4:02:18 PM |
| brmar | $25.00 | $25.00 | 8/24/2009 4:02:33 PM |
| lagnisiruk | $25.00 | $25.00 | 8/24/2009 4:02:35 PM |
| Halos2002 | $25.00 | $25.00 | 8/24/2009 4:03:07 PM |
| ChrisKwan | $25.00 | $25.00 | 8/24/2009 4:03:34 PM |
| new-thrilling-principal | $25.00 | $25.00 | 8/25/2009 9:32:34 AM |
| Madron | $50.00 | $50.00 | 8/25/2009 10:30:59 AM |
| punctual-worth | $25.00 | $25.00 | 8/25/2009 9:33:29 AM |
| cyberie21 | $30.00 | $30.00 | 8/25/2009 4:38:17 PM |
| M_V | $40.71 | $40.71 | 8/25/2009 6:40:27 PM |
| money-shaker | $25.00 | $25.00 | 8/25/2009 4:38:15 PM |
| fostaman | $25.00 | $25.00 | 8/25/2009 4:42:26 PM |
| amijo | $25.00 | $25.00 | 8/25/2009 4:40:39 PM |
| BGILlender | $25.00 | $25.00 | 8/25/2009 8:18:03 PM |
| nick5454 | $25.00 | $25.00 | 8/26/2009 8:05:01 AM |
| OnyxLite | $25.00 | $25.00 | 8/26/2009 12:32:14 AM |
| Spyder1 | $25.00 | $25.00 | 8/25/2009 11:02:31 PM |
| sjev | $25.00 | $25.00 | 8/26/2009 9:46:47 AM |
| xana-rocky | $25.00 | $25.00 | 8/26/2009 7:39:57 AM |
| nicklds | $25.00 | $25.00 | 8/26/2009 9:12:29 AM |
| income-rocker2 | $25.00 | $25.00 | 8/26/2009 11:08:21 AM |
| lending-bear | $25.00 | $25.00 | 8/26/2009 3:37:20 PM |
| Syzygy | $25.00 | $25.00 | 8/26/2009 1:09:09 PM |
| investorRE | $30.00 | $30.00 | 8/26/2009 1:16:29 PM |
| cj3777 | $27.30 | $27.30 | 8/26/2009 5:47:24 PM |
| saffron4 | $25.00 | $25.00 | 8/27/2009 9:33:34 AM |
| buphigam | $25.00 | $25.00 | 8/27/2009 2:08:05 PM |
| RB_Double-A_Bravo | $25.00 | $25.00 | 8/27/2009 11:47:48 AM |
| dmh4880 | $25.00 | $25.00 | 8/27/2009 3:37:49 PM |
| lendcraft | $25.00 | $25.00 | 8/27/2009 3:37:45 PM |
| Asailorman | $48.90 | $48.90 | 8/27/2009 3:37:51 PM |
| ebaysian | $25.00 | $25.00 | 8/27/2009 6:47:23 PM |
| capital-web193 | $25.00 | $25.00 | 8/28/2009 11:19:54 AM |
| festeringsnot | $25.00 | $25.00 | 8/28/2009 11:21:42 AM |
| micraman | $25.00 | $25.00 | 8/28/2009 11:21:49 AM |
| gdbanks | $25.00 | $25.00 | 8/28/2009 10:58:27 AM |
| tonejac | $25.00 | $25.00 | 8/28/2009 11:00:49 AM |
| darylc | $35.00 | $35.00 | 8/28/2009 11:30:16 AM |
| aFro | $25.00 | $25.00 | 8/28/2009 11:31:52 AM |
| PatRichi | $25.00 | $25.00 | 8/28/2009 11:35:13 AM |
| wgc | $25.00 | $25.00 | 8/28/2009 11:01:14 AM |
| chesed777 | $25.00 | $25.00 | 8/28/2009 11:01:20 AM |
| wise-careful-greenback | $25.00 | $25.00 | 8/28/2009 11:18:22 AM |
| kscc183 | $25.00 | $25.00 | 8/28/2009 11:19:00 AM |
| restech | $25.00 | $25.00 | 8/28/2009 11:20:18 AM |
| bulabula | $25.00 | $25.00 | 8/28/2009 11:47:21 AM |
| maverickfella | $25.00 | $25.00 | 8/28/2009 11:30:50 AM |
| MAYBROOK | $25.00 | $25.00 | 8/28/2009 12:04:56 PM |
| kubien | $25.00 | $25.00 | 8/28/2009 11:35:15 AM |
| ozzie | $25.00 | $25.00 | 8/28/2009 11:18:35 AM |
| tipan1 | $25.00 | $25.00 | 8/28/2009 12:38:09 PM |
| diverse2 | $25.00 | $25.00 | 8/28/2009 11:19:45 AM |
| TPSB | $50.00 | $50.00 | 8/28/2009 11:19:48 AM |
| mdf | $31.73 | $31.73 | 8/28/2009 11:20:30 AM |
| tspyz | $25.00 | $25.00 | 8/28/2009 11:21:52 AM |
| Najaca | $25.00 | $25.00 | 8/28/2009 11:21:58 AM |
| oldmora | $25.00 | $25.00 | 8/28/2009 11:46:35 AM |
| whatknows | $25.00 | $25.00 | 8/28/2009 11:48:26 AM |
| andrewnar | $25.00 | $25.00 | 8/28/2009 11:50:33 AM |
| HunterSix | $25.00 | $25.00 | 8/28/2009 11:52:29 AM |
| draggon77 | $25.00 | $25.00 | 8/28/2009 2:14:43 PM |
| redbomb5 | $25.00 | $25.00 | 8/28/2009 11:53:27 AM |
| Isotope | $25.00 | $25.00 | 8/28/2009 2:45:29 PM |
| fareast_man | $25.00 | $25.00 | 8/28/2009 11:46:36 AM |
| Microfinancer | $25.00 | $25.00 | 8/28/2009 11:52:26 AM |
| fair_rates | $25.00 | $25.00 | 8/28/2009 1:46:16 PM |
| Tauri | $30.00 | $30.00 | 8/28/2009 2:13:26 PM |
| businessguy29 | $25.00 | $25.00 | 8/28/2009 3:05:48 PM |
| Au-Ag-Pt | $25.00 | $25.00 | 8/28/2009 3:21:45 PM |
| capital_gains | $100.00 | $100.00 | 8/28/2009 1:44:35 PM |
| wealthstar | $25.00 | $25.00 | 8/28/2009 4:45:29 PM |
| mtp | $50.00 | $50.00 | 8/28/2009 5:46:56 PM |
| b-rent | $25.00 | $25.00 | 8/28/2009 4:37:34 PM |
| courageous-contract | $25.00 | $25.00 | 8/29/2009 4:32:00 AM |
| friendlyviking | $25.00 | $25.00 | 8/29/2009 8:52:06 PM |
| Apex-Lender | $25.00 | $25.00 | 8/30/2009 5:07:50 AM |
| dlg | $26.00 | $26.00 | 8/30/2009 7:16:06 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/29/2009 9:38:33 PM |
| bluesquirrel | $28.29 | $28.29 | 8/30/2009 11:45:31 AM |
| Adaboy | $25.00 | $25.00 | 8/30/2009 12:35:21 PM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 8/29/2009 7:25:16 PM |
| nellaelyob | $25.00 | $25.00 | 8/29/2009 8:52:07 PM |
| Greenspot | $25.00 | $25.00 | 8/30/2009 2:20:18 PM |
| All_Wins | $25.00 | $25.00 | 8/30/2009 10:55:18 AM |
| five-star-justice | $36.00 | $36.00 | 8/30/2009 3:36:35 PM |
| CanArkRoamNu | $40.00 | $40.00 | 8/30/2009 10:35:26 AM |
| LeoBUSIIT | $25.00 | $25.00 | 8/31/2009 6:43:01 AM |
| bcg2004 | $25.00 | $25.00 | 8/31/2009 5:30:58 AM |
| Hokiemon | $25.00 | $25.00 | 8/31/2009 8:12:14 AM |
| loan-squadron | $25.00 | $25.00 | 8/31/2009 8:20:40 AM |
| orangemutt | $25.00 | $25.00 | 8/31/2009 11:53:05 AM |
| theincarnatemike | $25.00 | $25.00 | 8/31/2009 1:45:19 PM |
| Zagit | $25.00 | $25.00 | 8/31/2009 2:17:59 PM |
| jstefans | $25.00 | $25.00 | 8/31/2009 2:18:07 PM |
| broepke | $25.00 | $25.00 | 8/31/2009 1:35:17 PM |
| karpman3 | $50.00 | $50.00 | 8/31/2009 2:40:40 PM |
| arejaybe | $25.00 | $25.00 | 8/31/2009 3:41:26 PM |
| secretidentity | $25.00 | $25.00 | 8/31/2009 2:18:03 PM |
| money-expert | $25.00 | $25.00 | 8/31/2009 2:26:13 PM |
| davidy | $25.00 | $25.00 | 8/31/2009 3:30:17 PM |
| fortytwo | $25.00 | $25.00 | 8/31/2009 4:12:43 PM |
| PaulW | $25.00 | $25.00 | 8/31/2009 4:38:57 PM |
| Rosencranz | $25.00 | $25.00 | 8/31/2009 4:37:42 PM |
| Supp0rter | $50.00 | $50.00 | 8/31/2009 4:45:59 PM |
| OldProp | $25.00 | $25.00 | 8/31/2009 7:17:06 PM |
| unk1911 | $25.00 | $25.00 | 8/31/2009 6:25:47 PM |
| GoodScot | $25.00 | $25.00 | 8/31/2009 11:05:31 PM |
| Helenska11 | $50.00 | $50.00 | 8/31/2009 7:26:29 PM |
| Trimalchio12 | $50.00 | $50.00 | 9/1/2009 3:13:07 PM |
| AF_Trust | $25.00 | $25.00 | 9/1/2009 6:51:01 PM |
| MissionMicroFinance | $25.00 | $25.00 | 9/1/2009 7:22:50 PM |
| red-sublime-return | $25.00 | $25.00 | 8/24/2009 4:01:10 PM |
| p2p-allocator | $25.00 | $25.00 | 8/24/2009 4:01:23 PM |
| SNH | $25.00 | $25.00 | 8/24/2009 4:02:05 PM |
| anton | $25.00 | $25.00 | 8/24/2009 4:02:13 PM |
| irrelevant | $25.00 | $25.00 | 8/24/2009 4:02:31 PM |
| Georgetastic | $25.00 | $25.00 | 8/24/2009 4:02:41 PM |
| head | $25.00 | $25.00 | 8/24/2009 4:02:44 PM |
| Katahdin | $25.00 | $25.00 | 8/24/2009 4:02:56 PM |
| Kaj | $25.00 | $25.00 | 8/24/2009 4:08:28 PM |
| Elbanko | $25.00 | $25.00 | 8/24/2009 4:08:50 PM |
| rate-mogul | $25.00 | $25.00 | 8/24/2009 4:11:20 PM |
| GElender | $25.00 | $25.00 | 8/24/2009 4:01:06 PM |
| mathprof | $25.00 | $25.00 | 8/24/2009 4:02:04 PM |
| slcchad | $25.00 | $25.00 | 8/24/2009 4:02:24 PM |
| Artist_Blue | $25.00 | $25.00 | 8/24/2009 4:02:30 PM |
| Ananya | $25.00 | $25.00 | 8/24/2009 4:03:20 PM |
| kmavm | $25.00 | $25.00 | 8/24/2009 4:03:27 PM |
| decisive-capital | $50.00 | $50.00 | 8/24/2009 4:02:09 PM |
| impressive-loan | $25.00 | $25.00 | 8/24/2009 4:03:43 PM |
| secobarbital | $25.00 | $25.00 | 8/24/2009 4:17:16 PM |
| delivery | $25.00 | $25.00 | 8/24/2009 4:17:25 PM |
| Mantis75 | $25.00 | $25.00 | 8/24/2009 4:17:40 PM |
| thedreamer | $25.00 | $25.00 | 8/24/2009 4:17:17 PM |
| red-favorable-basis | $25.00 | $25.00 | 8/24/2009 7:47:15 PM |
| PotBellyPete | $25.00 | $25.00 | 8/25/2009 10:02:11 AM |
| Marfloogan | $25.00 | $25.00 | 8/25/2009 4:41:30 PM |
| a-fund-paradise | $25.00 | $25.00 | 8/25/2009 4:41:54 PM |
| greenback-monger492 | $25.00 | $25.00 | 8/25/2009 9:47:27 PM |
| kyxysyx | $50.00 | $50.00 | 8/26/2009 4:54:40 AM |
| LBOregon | $25.00 | $25.00 | 8/26/2009 7:54:11 AM |
| modemco | $25.00 | $25.00 | 8/26/2009 12:02:18 PM |
| upc_tnt | $25.00 | $25.00 | 8/26/2009 12:11:23 PM |
| TyBucks | $25.00 | $25.00 | 8/26/2009 8:52:42 AM |
| Hambone1111 | $25.00 | $25.00 | 8/26/2009 8:52:41 AM |
| testobsessed | $100.00 | $100.00 | 8/26/2009 9:53:18 AM |
| boybutter | $25.00 | $25.00 | 8/26/2009 12:52:58 PM |
| prudent-dinero | $25.00 | $25.00 | 8/26/2009 5:22:42 PM |
| nbhz60a | $25.00 | $25.00 | 8/26/2009 7:22:22 PM |
| gilbow | $25.00 | $25.00 | 8/26/2009 8:12:15 PM |
| Yaj | $25.00 | $25.00 | 8/26/2009 7:44:11 PM |
| browneyegravy | $25.00 | $25.00 | 8/27/2009 7:53:07 AM |
| dinero-mason | $50.00 | $50.00 | 8/27/2009 6:12:35 AM |
| Bank_Of_XL | $100.00 | $100.00 | 8/27/2009 8:38:35 AM |
| spsavage | $25.00 | $25.00 | 8/27/2009 11:57:58 AM |
| charlieok | $25.00 | $25.00 | 8/27/2009 11:52:35 AM |
| teega5 | $25.00 | $25.00 | 8/27/2009 1:22:16 PM |
| mercuriant | $25.00 | $25.00 | 8/27/2009 2:43:05 PM |
| DJC4 | $25.00 | $25.00 | 8/27/2009 3:37:47 PM |
| neerglopnire | $25.00 | $25.00 | 8/27/2009 6:47:21 PM |
| Sol_Invictus | $25.00 | $25.00 | 8/28/2009 6:18:39 AM |
| newslang | $25.00 | $25.00 | 8/28/2009 11:01:23 AM |
| helaman | $25.00 | $25.00 | 8/28/2009 11:01:49 AM |
| inkplj | $31.18 | $31.18 | 8/28/2009 11:19:09 AM |
| tac690 | $25.00 | $25.00 | 8/28/2009 11:19:52 AM |
| igotmoney | $25.00 | $25.00 | 8/28/2009 11:20:02 AM |
| madmccoy | $25.00 | $25.00 | 8/28/2009 11:20:10 AM |
| Trojan1976 | $25.00 | $25.00 | 8/28/2009 9:57:52 AM |
| jldallover | $25.00 | $25.00 | 8/28/2009 11:21:44 AM |
| ramsbladder | $25.00 | $25.00 | 8/28/2009 11:00:09 AM |
| samaritan5 | $25.00 | $25.00 | 8/28/2009 11:01:40 AM |
| mirolender | $25.00 | $25.00 | 8/28/2009 11:31:50 AM |
| DER | $100.00 | $100.00 | 8/28/2009 11:45:02 AM |
| Mopedcouple | $25.00 | $25.00 | 8/28/2009 11:01:26 AM |
| RusRobo | $25.00 | $25.00 | 8/28/2009 11:19:02 AM |
| rdecartus | $25.00 | $25.00 | 8/28/2009 11:46:25 AM |
| ayerobbie | $25.00 | $25.00 | 8/28/2009 11:20:07 AM |
| tillit | $25.00 | $25.00 | 8/28/2009 11:20:14 AM |
| gizzywump | $25.00 | $25.00 | 8/28/2009 11:47:13 AM |
| ChrisTJ | $25.00 | $25.00 | 8/28/2009 11:48:18 AM |
| i3urtonair | $25.00 | $25.00 | 8/28/2009 11:51:22 AM |
| YeoLenderSource | $25.00 | $25.00 | 8/28/2009 11:51:56 AM |
| lasalle123 | $25.00 | $25.00 | 8/28/2009 11:18:43 AM |
| TH99 | $25.00 | $25.00 | 8/28/2009 11:19:38 AM |
| b2m80s | $25.00 | $25.00 | 8/28/2009 11:19:58 AM |
| moopi | $25.00 | $25.00 | 8/28/2009 11:20:25 AM |
| 108lender | $41.34 | $41.34 | 8/28/2009 11:42:30 AM |
| TrustinOthers | $25.00 | $25.00 | 8/28/2009 11:45:23 AM |
| Marsue | $25.00 | $25.00 | 8/28/2009 11:21:55 AM |
| greenwell | $25.00 | $25.00 | 8/28/2009 11:46:31 AM |
| baconguy | $25.00 | $25.00 | 8/28/2009 11:22:00 AM |
| seisen | $50.00 | $50.00 | 8/28/2009 11:48:38 AM |
| ChuckChedda | $25.00 | $25.00 | 8/28/2009 11:29:46 AM |
| leftcoast52 | $25.00 | $25.00 | 8/28/2009 11:31:09 AM |
| zigzagz03 | $25.00 | $25.00 | 8/28/2009 11:33:46 AM |
| CarDealer3070 | $30.00 | $30.00 | 8/28/2009 12:58:20 PM |
| gotchai | $25.00 | $25.00 | 8/28/2009 4:45:27 PM |
| rhin0cerx | $50.00 | $50.00 | 8/28/2009 4:45:51 PM |
| fund-virtuoso | $25.00 | $25.00 | 8/28/2009 5:32:44 PM |
| wildguy | $25.00 | $25.00 | 8/29/2009 8:50:21 AM |
| CSIGuy | $25.00 | $25.00 | 8/28/2009 8:00:25 PM |
| wise-silver-wonder | $25.00 | $25.00 | 8/29/2009 8:11:44 AM |
| Rule62 | $25.00 | $25.00 | 8/30/2009 5:07:41 AM |
| puifais | $25.00 | $25.00 | 8/30/2009 5:08:03 AM |
| gravbox | $25.00 | $25.00 | 8/30/2009 5:07:45 AM |
| catomaior | $25.00 | $25.00 | 8/29/2009 8:51:59 PM |
| p2ploan-lion | $25.00 | $25.00 | 8/29/2009 8:52:10 PM |
| Rogelio48 | $25.00 | $25.00 | 8/30/2009 5:07:43 AM |
| digen | $25.00 | $25.00 | 8/30/2009 1:06:02 PM |
| punctual-worth | $25.00 | $25.00 | 8/31/2009 6:51:55 AM |
| orange-astute-finance | $25.00 | $25.00 | 8/31/2009 8:20:17 AM |
| pythia | $25.00 | $25.00 | 8/31/2009 10:26:25 AM |
| lcole32 | $25.00 | $25.00 | 8/31/2009 2:26:12 PM |
| impartial-deal | $25.00 | $25.00 | 8/31/2009 10:50:15 AM |
| compassion-paladin042 | $25.00 | $25.00 | 8/31/2009 2:31:42 PM |
| joseapg | $25.00 | $25.00 | 8/31/2009 3:30:18 PM |
| LKN2RTR | $25.00 | $25.00 | 8/31/2009 2:18:01 PM |
| fastcar750 | $25.00 | $25.00 | 8/31/2009 4:36:13 PM |
| beakerfish | $39.61 | $39.61 | 8/31/2009 4:39:49 PM |
| joeirps | $25.00 | $25.00 | 8/31/2009 5:08:10 PM |
| Wowzer | $25.00 | $25.00 | 8/31/2009 6:05:19 PM |
| YQQ | $25.00 | $25.00 | 8/31/2009 11:05:26 PM |
| paceme1 | $25.00 | $3.94 | 9/1/2009 12:30:53 AM |
| grf1945 | $25.00 | $25.00 | 8/31/2009 6:05:21 PM |
| littlemonkey | $25.00 | $25.00 | 9/2/2009 6:22:36 AM |
| Dreams4Cash | $25.00 | $25.00 | 9/1/2009 9:06:17 PM |
| bid-papyrus | $25.00 | $25.00 | 9/2/2009 9:43:28 AM |
| 242 bids
|
Borrower Payment Dependent Notes Series
421838
This series of Notes was issued and sold upon the funding of the borrower loan #38484, 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-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction end date:
| Sep-07-2009 |
|
|
Starting lender yield:
| 10.38% |
Starting borrower rate/APR:
| 11.38% / 13.50% |
Starting monthly payment:
| $98.76 |
|
Final lender yield:
| 9.00% |
Final borrower rate/APR:
| 10.00% / 12.11% |
Final monthly payment:
| $96.80 |
| |
|
Auction yield range:
| 4.18% - 10.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Nov-2003 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-760 (Aug-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,907 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 34% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Gin333 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 620-640
(Jun-2007)
600-620
(May-2007)
|
|
Principal balance:
| $1,731.97 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Make Money From Me!
Purpose of loan: Creating retirement nest-egg for myself.?
My financial situation: My financial situation is stable, I have worked for the same company since 2000 and have lived in the same home for 15 years. I have never been late?paying my bills AND I am?CURRENT on my previous Prosper loan which will be paid off in the next 10 months. I would like to get another loan so that I can create a retirement nest-egg for myself. I AM A SAFE BET - MAKE MONEY FROM ME!
Monthly net income: $ 2200
Monthly expenses: $?1103
? Housing: $ 550?
??Insurance: $?0
??Car expenses: $?0??Utilities: $?112
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $70
??Credit cards and other loans: $?271
??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) |
|
| turbospeed | $25.00 | $25.00 | 8/24/2009 4:17:29 PM |
| greenback-floret | $25.00 | $25.00 | 8/24/2009 4:09:36 PM |
| F_r_e_d_s__B_a_n_k | $25.00 | $25.00 | 8/24/2009 7:42:42 PM |
| Syzygy | $25.00 | $25.00 | 8/25/2009 10:32:42 AM |
| payontime1 | $50.00 | $50.00 | 8/25/2009 2:26:32 PM |
| market-assembler | $25.00 | $25.00 | 8/26/2009 5:30:56 PM |
| zento | $25.00 | $25.00 | 8/26/2009 8:02:18 PM |
| Mumcuz | $150.00 | $150.00 | 8/27/2009 6:03:40 PM |
| marwadi-62 | $100.00 | $100.00 | 8/28/2009 3:15:39 PM |
| loanman2007 | $50.00 | $50.00 | 8/29/2009 12:34:31 PM |
| JohnSmith10 | $25.00 | $25.00 | 8/30/2009 11:10:02 AM |
| bid-wonder | $25.00 | $25.00 | 8/30/2009 6:05:19 PM |
| LittleMingo | $25.00 | $25.00 | 8/31/2009 9:56:49 AM |
| outofoffice | $60.00 | $60.00 | 8/31/2009 7:06:59 PM |
| BONSAY | $50.00 | $50.00 | 8/31/2009 9:23:15 PM |
| RIVERBEND | $25.00 | $25.00 | 9/1/2009 6:00:45 PM |
| Digs | $25.00 | $25.00 | 9/1/2009 6:59:28 PM |
| Gambino | $50.00 | $50.00 | 9/2/2009 10:26:10 AM |
| oldrebel | $25.00 | $25.00 | 9/3/2009 10:24:39 AM |
| MAGLender | $50.00 | $50.00 | 9/3/2009 4:17:30 AM |
| shamil45 | $25.00 | $25.00 | 9/3/2009 1:48:37 PM |
| fantasysports | $25.00 | $25.00 | 9/3/2009 9:17:19 AM |
| aurorafinancial | $50.00 | $50.00 | 9/3/2009 4:50:17 PM |
| JerryB96 | $25.00 | $25.00 | 9/4/2009 12:15:43 PM |
| kf88 | $60.00 | $60.00 | 9/4/2009 2:58:14 PM |
| guardian3 | $25.00 | $25.00 | 9/5/2009 11:02:59 AM |
| shag2 | $30.00 | $30.00 | 9/6/2009 2:51:33 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/6/2009 6:40:39 AM |
| impartial-deal | $50.00 | $50.00 | 9/6/2009 10:28:17 PM |
| gilbrear | $25.00 | $25.00 | 9/6/2009 3:15:56 PM |
| Mack_Inv | $50.00 | $50.00 | 9/6/2009 4:28:49 PM |
| sikojos | $50.00 | $50.00 | 9/7/2009 5:22:28 AM |
| ritwik | $50.00 | $50.00 | 9/7/2009 8:35:13 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 9/6/2009 9:35:51 PM |
| LA-Funding-Bank | $50.00 | $50.00 | 9/7/2009 12:24:04 PM |
| crazybill | $38.00 | $38.00 | 9/7/2009 3:27:25 PM |
| rmpedi33 | $50.00 | $50.00 | 9/7/2009 11:44:52 AM |
| Hogan55 | $25.00 | $25.00 | 9/7/2009 2:10:30 PM |
| MoneyForNothing | $25.00 | $25.00 | 8/24/2009 7:38:53 PM |
| hellasow | $25.00 | $25.00 | 8/24/2009 6:02:10 PM |
| mlj0671 | $100.00 | $100.00 | 8/26/2009 7:47:58 AM |
| RandyL3 | $25.00 | $25.00 | 8/27/2009 7:20:29 AM |
| jetblack | $50.00 | $37.00 | 8/28/2009 7:14:25 AM |
| Bawsth | $25.00 | $25.00 | 8/28/2009 2:47:11 PM |
| DalCowboys | $50.00 | $50.00 | 8/28/2009 7:24:46 PM |
| mattlo | $25.00 | $25.00 | 8/29/2009 11:41:02 PM |
| GreenHill | $25.00 | $25.00 | 8/29/2009 11:58:03 PM |
| fortytwo | $25.00 | $25.00 | 9/1/2009 6:01:46 AM |
| khamen | $25.00 | $25.00 | 9/1/2009 10:27:16 AM |
| irishcocacola | $25.00 | $25.00 | 9/1/2009 5:56:26 PM |
| Stahl | $25.00 | $25.00 | 9/2/2009 10:35:02 AM |
| estancias | $25.00 | $25.00 | 9/2/2009 2:28:43 PM |
| RandyL3 | $25.00 | $25.00 | 9/3/2009 7:58:36 PM |
| marwadi-62 | $100.00 | $100.00 | 9/3/2009 5:57:44 PM |
| CheapDolo22 | $25.00 | $25.00 | 9/5/2009 10:00:15 AM |
| buckyhead2000 | $25.00 | $25.00 | 9/6/2009 9:02:13 PM |
| gothampark | $25.00 | $25.00 | 9/6/2009 7:31:13 PM |
| oldman68 | $25.00 | $25.00 | 9/7/2009 12:44:03 AM |
| FOFagent1 | $150.00 | $150.00 | 9/7/2009 3:28:20 PM |
| kulender | $50.00 | $50.00 | 9/7/2009 6:35:57 AM |
| IM-SHARKY | $500.00 | $500.00 | 9/7/2009 3:54:48 PM |
| khamlagirl | $25.00 | $25.00 | 9/7/2009 10:31:43 AM |
| labyrinth0 | $25.00 | $25.00 | 9/7/2009 3:33:41 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/7/2009 3:55:43 PM |
| 64 bids
|
Borrower Payment Dependent Notes Series
421579
This series of Notes was issued and sold upon the funding of the borrower loan #38504, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| AA |
Auction start date:
| Aug-24-2009 |
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction end date:
| Sep-01-2009 |
|
|
Starting lender yield:
| 11.99% |
Starting borrower rate/APR:
| 12.99% / 15.13% |
Starting monthly payment:
| $404.27 |
|
Final lender yield:
| 11.99% |
Final borrower rate/APR:
| 12.99% / 15.13% |
Final monthly payment:
| $404.27 |
| |
|
Auction yield range:
| 3.18% - 11.99% |
Estimated loss impact:
| 1.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 800-820 (Aug-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 32 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,754 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| truth-fuse |
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
Consolidate Debt at Good Rate!
Purpose of loan:
This loan will be used to? Consolidate debt.? I have a personal loan that has a balance of 8K and a credit card balance of about 3K.
My financial situation:
I am a good candidate for this loan because?I will always find a way to pay back a creditor and also have a very good income.
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 3:56:54 PM |
| CorporateT00l | $25.00 | $25.00 | 8/24/2009 3:57:35 PM |
| Artist_Blue | $25.00 | $25.00 | 8/24/2009 3:59:19 PM |
| ekmendenhall | $25.00 | $25.00 | 8/24/2009 4:00:00 PM |
| lowestghost | $25.00 | $25.00 | 8/24/2009 4:00:11 PM |
| Cherrypicker06 | $25.00 | $25.00 | 8/24/2009 4:00:43 PM |
| YoungTaxMan | $25.00 | $25.00 | 8/24/2009 4:01:18 PM |
| caffinate | $110.00 | $110.00 | 8/24/2009 4:08:44 PM |
| greenback-floret | $25.00 | $25.00 | 8/24/2009 4:09:35 PM |
| turbostar666 | $50.00 | $50.00 | 8/24/2009 3:56:29 PM |
| Spring342 | $25.00 | $25.00 | 8/24/2009 3:56:48 PM |
| personal-lender | $25.00 | $25.00 | 8/24/2009 3:57:13 PM |
| elasermd | $50.00 | $50.00 | 8/24/2009 3:57:49 PM |
| DukSerduk | $25.00 | $25.00 | 8/24/2009 4:16:25 PM |
| julijask | $25.00 | $25.00 | 8/24/2009 4:17:03 PM |
| investor_101 | $50.00 | $50.00 | 8/24/2009 3:56:17 PM |
| jwood3030 | $25.00 | $25.00 | 8/24/2009 3:56:42 PM |
| CashProvider | $231.43 | $231.43 | 8/24/2009 4:09:05 PM |
| a8h8a8 | $25.00 | $25.00 | 8/24/2009 3:58:45 PM |
| MonkeyPet | $25.00 | $25.00 | 8/24/2009 4:09:17 PM |
| MidnightBank | $25.00 | $25.00 | 8/24/2009 4:01:49 PM |
| don8ter | $60.00 | $60.00 | 8/24/2009 4:15:52 PM |
| honorable-yield | $50.00 | $50.00 | 8/24/2009 4:16:06 PM |
| Theodon | $25.00 | $25.00 | 8/24/2009 4:09:02 PM |
| Sid-K | $50.00 | $50.00 | 8/24/2009 4:16:17 PM |
| greeninspirit | $25.00 | $25.00 | 8/24/2009 4:09:27 PM |
| anton | $50.00 | $50.00 | 8/24/2009 4:16:48 PM |
| omahajay | $55.25 | $55.25 | 8/24/2009 9:50:11 PM |
| Syzygy | $25.00 | $25.00 | 8/25/2009 7:35:30 AM |
| coin-lender77 | $50.00 | $50.00 | 8/25/2009 8:10:33 AM |
| TexasLender2007 | $25.00 | $25.00 | 8/24/2009 9:12:36 PM |
| southerngirl9 | $47.92 | $47.92 | 8/25/2009 12:12:25 PM |
| DrStaff | $25.00 | $25.00 | 8/25/2009 9:50:04 AM |
| manuvns | $25.00 | $25.00 | 8/25/2009 12:01:06 PM |
| dman1024 | $50.00 | $50.00 | 8/25/2009 12:47:55 PM |
| RPR | $110.00 | $110.00 | 8/25/2009 10:00:35 PM |
| gethope | $75.00 | $75.00 | 8/25/2009 7:38:35 PM |
| favorite-dollar | $50.00 | $50.00 | 8/26/2009 5:14:54 AM |
| ccdirectt | $150.00 | $150.00 | 8/25/2009 11:20:06 PM |
| mlj0671 | $50.00 | $50.00 | 8/26/2009 7:59:38 AM |
| TJ643 | $50.00 | $50.00 | 8/26/2009 6:02:24 AM |
| lendme2 | $100.00 | $100.00 | 8/26/2009 6:17:29 AM |
| 1BizLady | $25.00 | $25.00 | 8/26/2009 7:29:47 AM |
| jimbo29blue | $50.00 | $50.00 | 8/26/2009 12:07:08 PM |
| market-assembler | $25.00 | $25.00 | 8/26/2009 9:21:19 AM |
| mathprof | $25.00 | $25.00 | 8/26/2009 9:52:54 AM |
| kinetic-truth | $25.00 | $25.00 | 8/26/2009 10:00:22 AM |
| investorrr | $25.00 | $25.00 | 8/26/2009 2:04:07 PM |
| don'twannadance | $50.00 | $50.00 | 8/26/2009 12:16:08 PM |
| Goodlender42 | $25.00 | $25.00 | 8/26/2009 1:03:59 PM |
| TreesBumpsJumps17 | $25.00 | $25.00 | 8/26/2009 12:52:44 PM |
| kenji4861 | $39.65 | $39.65 | 8/26/2009 1:32:40 PM |
| Jinja | $25.00 | $25.00 | 8/26/2009 3:34:26 PM |
| TJ-Financial-Group | $39.87 | $39.87 | 8/26/2009 5:38:02 PM |
| tayzak | $25.00 | $25.00 | 8/26/2009 6:12:35 PM |
| tlp43 | $25.00 | $25.00 | 8/27/2009 1:07:36 AM |
| Supernick | $200.00 | $200.00 | 8/26/2009 8:11:29 PM |
| Turkish101 | $25.00 | $25.00 | 8/27/2009 2:17:41 AM |
| payout-magician | $100.00 | $100.00 | 8/26/2009 10:09:29 PM |
| HawaiianHelper | $50.00 | $50.00 | 8/27/2009 1:00:36 AM |
| js60l | $25.00 | $25.00 | 8/27/2009 9:49:21 AM |
| gold-tsunami | $25.00 | $25.00 | 8/27/2009 10:37:37 AM |
| hobodave | $25.00 | $25.00 | 8/27/2009 11:42:44 AM |
| yield-blanket | $25.00 | $25.00 | 8/27/2009 9:34:33 AM |
| snowdem0n | $50.00 | $50.00 | 8/27/2009 9:14:03 AM |
| thedoctor | $25.00 | $25.00 | 8/27/2009 11:28:11 AM |
| income-excellence1 | $25.00 | $25.00 | 8/27/2009 11:43:41 AM |
| gm93001 | $25.00 | $25.00 | 8/27/2009 12:17:29 PM |
| mamasbeachhouse | $150.00 | $150.00 | 8/27/2009 5:01:04 PM |
| Credit2Prosper | $50.00 | $50.00 | 8/27/2009 5:52:15 PM |
| senior1 | $25.00 | $25.00 | 8/27/2009 5:09:12 PM |
| CoolHelp | $25.00 | $25.00 | 8/27/2009 10:17:49 PM |
| 77scout | $106.38 | $106.38 | 8/28/2009 8:54:17 AM |
| responsibility-butterfly | $25.00 | $25.00 | 8/28/2009 9:30:47 AM |
| RSV | $25.00 | $25.00 | 8/28/2009 3:19:32 PM |
| power-expert | $25.00 | $25.00 | 8/28/2009 12:52:50 PM |
| lowrate | $25.00 | $25.00 | 8/28/2009 11:54:51 AM |
| availableloan | $25.00 | $25.00 | 8/28/2009 2:29:15 PM |
| cowboyskier | $41.35 | $41.35 | 8/28/2009 12:41:44 PM |
| ericd523 | $40.00 | $40.00 | 8/28/2009 1:41:51 PM |
| bowdish1 | $50.00 | $50.00 | 8/28/2009 3:43:20 PM |
| GrayStudio | $50.00 | $50.00 | 8/28/2009 9:00:29 PM |
| blackstar | $25.00 | $25.00 | 8/29/2009 5:15:40 AM |
| PrivateLenders | $25.00 | $25.00 | 8/28/2009 7:15:16 PM |
| little_shark_J | $25.00 | $25.00 | 8/28/2009 9:00:27 PM |
| sugybutt | $36.77 | $36.77 | 8/28/2009 7:33:36 PM |
| SpectrumCapital | $25.00 | $25.00 | 8/28/2009 9:00:25 PM |
| XD2005 | $25.00 | $25.00 | 8/29/2009 9:02:01 AM |
| Dollars4Rent | $25.00 | $25.00 | 8/30/2009 9:21:59 AM |
| All_Wins | $25.00 | $25.00 | 8/30/2009 10:55:28 AM |
| doctorhuynh | $25.00 | $25.00 | 8/30/2009 1:24:59 AM |
| unbeatable-wealth | $25.00 | $25.00 | 8/30/2009 8:54:30 PM |
| beaker | $25.00 | $25.00 | 8/30/2009 9:30:21 PM |
| Patter256 | $25.00 | $25.00 | 8/30/2009 11:20:23 PM |
| LenderIntegrity24 | $25.00 | $25.00 | 8/30/2009 7:55:29 PM |
| fortytwo | $37.48 | $37.48 | 8/30/2009 8:55:45 PM |
| greenback-mover704 | $25.00 | $25.00 | 8/30/2009 4:10:27 PM |
| Loan1Inc | $58.00 | $58.00 | 8/30/2009 7:22:52 PM |
| Abece | $250.00 | $250.00 | 8/30/2009 9:27:45 PM |
| JayK | $50.00 | $50.00 | 8/31/2009 9:13:47 AM |
| brocilybeef | $25.00 | $25.00 | 8/31/2009 9:31:46 AM |
| iruz | $26.33 | $26.33 | 8/31/2009 5:30:42 AM |
| impartial-deal | $25.00 | $25.00 | 8/31/2009 10:46:09 AM |
| ethicalhumanist | $25.00 | $25.00 | 8/31/2009 10:36:30 AM |
| sparky1129 | $25.00 | $25.00 | 8/31/2009 12:48:13 PM |
| jct_enterprises | $25.00 | $25.00 | 8/31/2009 12:19:15 PM |
| museic1 | $50.00 | $50.00 | 8/31/2009 10:45:37 AM |
| Ellisdee | $25.94 | $25.94 | 8/31/2009 11:46:03 AM |
| dlg | $25.01 | $25.01 | 8/31/2009 2:16:28 PM |
| kyomoon | $50.00 | $50.00 | 8/31/2009 1:53:39 PM |
| Spiderman55 | $25.00 | $25.00 | 8/31/2009 4:37:02 PM |
| idojudo123 | $25.00 | $25.00 | 8/31/2009 6:47:53 PM |
| RussianPrincess | $50.00 | $50.00 | 8/31/2009 7:26:28 PM |
| Melrosian | $50.00 | $50.00 | 8/31/2009 7:27:37 PM |
| MomB | $25.00 | $25.00 | 8/31/2009 7:42:49 PM |
| tallcoolone | $25.00 | $25.00 | 8/31/2009 5:09:57 PM |
| payontime1 | $50.00 | $50.00 | 8/31/2009 11:31:17 PM |
| lawyervon | $25.00 | $25.00 | 8/31/2009 7:30:17 PM |
| mcabery | $100.00 | $100.00 | 9/1/2009 1:34:16 AM |
| unequivocal-velocity | $100.00 | $62.39 | 8/31/2009 9:29:28 PM |
| jetblack | $50.00 | $50.00 | 9/1/2009 6:05:26 AM |
| billy_hoe_22 | $50.00 | $50.00 | 8/31/2009 7:48:57 PM |
| Aaron_Oz | $25.00 | $25.00 | 8/31/2009 7:49:36 PM |
| IM-SHARKY | $1,000.00 | $1,000.00 | 9/1/2009 7:30:14 AM |
| wealth-mogul534 | $25.00 | $25.00 | 8/31/2009 9:11:40 PM |
| generous-at-heart | $25.00 | $25.00 | 9/1/2009 9:05:38 AM |
| Sandeman | $25.00 | $25.00 | 9/1/2009 9:31:49 AM |
| vineet | $25.00 | $25.00 | 8/31/2009 11:41:50 PM |
| Passion_Is_Value | $25.00 | $25.00 | 9/1/2009 4:05:32 AM |
| 911 | $25.00 | $25.00 | 9/1/2009 9:31:03 AM |
| brightest-revenue-spark | $25.00 | $25.00 | 8/24/2009 3:58:48 PM |
| BigBoy2008 | $25.00 | $25.00 | 8/24/2009 4:03:32 PM |
| LDFree | $25.00 | $25.00 | 8/24/2009 4:09:13 PM |
| seattle | $25.00 | $25.00 | 8/24/2009 4:00:27 PM |
| 108lender | $75.00 | $75.00 | 8/24/2009 4:17:00 PM |
| credit-investor5 | $50.00 | $50.00 | 8/24/2009 4:17:04 PM |
| BookandLaw | $25.00 | $25.00 | 8/24/2009 3:57:03 PM |
| kenyonhillbilly | $50.00 | $50.00 | 8/24/2009 3:58:19 PM |
| shanedog | $25.00 | $25.00 | 8/24/2009 3:59:26 PM |
| seasportsguy | $25.00 | $25.00 | 8/24/2009 3:59:31 PM |
| jgar_O | $30.00 | $30.00 | 8/24/2009 3:59:36 PM |
| vegibenz | $51.93 | $51.93 | 8/24/2009 5:13:12 PM |
| whitegold24k | $25.00 | $25.00 | 8/24/2009 7:02:45 PM |
| skuba | $50.00 | $50.00 | 8/24/2009 4:16:30 PM |
| KHU2-B | $25.00 | $25.00 | 8/24/2009 4:09:21 PM |
| Iwantahelp | $25.00 | $25.00 | 8/24/2009 4:17:09 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/24/2009 4:15:59 PM |
| cash-sensai2 | $25.00 | $25.00 | 8/24/2009 4:16:35 PM |
| bchen78875 | $50.00 | $50.00 | 8/24/2009 4:16:42 PM |
| Kame | $25.00 | $25.00 | 8/24/2009 4:16:46 PM |
| Halos2002 | $25.00 | $25.00 | 8/24/2009 4:16:54 PM |
| yield-quest | $25.00 | $25.00 | 8/24/2009 10:25:29 PM |
| MoneyForNothing | $50.00 | $50.00 | 8/25/2009 7:47:27 AM |
| ExcellentGreen | $25.00 | $25.00 | 8/25/2009 7:12:55 AM |
| top-radiant-funds | $200.00 | $200.00 | 8/25/2009 7:16:38 AM |
| cippy | $100.00 | $100.00 | 8/25/2009 3:06:38 PM |
| lagnisiruk | $25.00 | $25.00 | 8/25/2009 11:38:19 AM |
| KramericaIndustries | $25.00 | $25.00 | 8/25/2009 1:02:06 PM |
| AP2PLender | $25.00 | $25.00 | 8/25/2009 3:22:51 PM |
| prestatore16 | $25.00 | $25.00 | 8/25/2009 8:05:07 PM |
| totoro | $25.00 | $25.00 | 8/25/2009 4:41:25 PM |
| Guiren | $50.00 | $50.00 | 8/25/2009 4:42:52 PM |
| McGrufus | $51.00 | $51.00 | 8/25/2009 6:50:42 PM |
| Dougmo | $25.00 | $25.00 | 8/25/2009 7:27:59 PM |
| JustMee | $25.00 | $25.00 | 8/26/2009 7:17:15 AM |
| zento | $25.00 | $25.00 | 8/26/2009 9:46:17 AM |
| ingeborg77 | $50.00 | $50.00 | 8/26/2009 12:13:49 PM |
| 888168 | $50.00 | $50.00 | 8/26/2009 12:52:47 PM |
| understanding-marketplace | $100.00 | $100.00 | 8/26/2009 9:33:06 AM |
| PurplePonchoMan | $25.00 | $25.00 | 8/26/2009 9:47:32 AM |
| testobsessed | $100.00 | $100.00 | 8/26/2009 9:53:56 AM |
| think_globally_act_locally | $50.00 | $50.00 | 8/26/2009 10:14:04 AM |
| don'twannadance | $50.00 | $50.00 | 8/26/2009 12:16:52 PM |
| scholarly-integrity | $25.00 | $25.00 | 8/26/2009 12:39:34 PM |
| Tiger86 | $25.00 | $25.00 | 8/26/2009 1:32:27 PM |
| buckyhead2000 | $25.00 | $25.00 | 8/26/2009 4:08:38 PM |
| PalmTreeIsland | $50.00 | $50.00 | 8/26/2009 4:38:44 PM |
| blot44 | $50.00 | $50.00 | 8/26/2009 4:00:03 PM |
| enriching-payout | $25.00 | $25.00 | 8/26/2009 4:47:13 PM |
| SFBank | $200.00 | $200.00 | 8/26/2009 6:42:38 PM |
| hotwired | $25.00 | $25.00 | 8/27/2009 3:02:42 AM |
| vikings23 | $25.00 | $25.00 | 8/27/2009 6:59:04 AM |
| WarmWeather | $50.00 | $50.00 | 8/27/2009 7:03:32 AM |
| Tulalue | $25.00 | $25.00 | 8/27/2009 5:39:58 AM |
| ClearLake | $25.00 | $25.00 | 8/27/2009 11:43:44 AM |
| LuckySF | $50.00 | $50.00 | 8/27/2009 10:38:51 AM |
| grf1945 | $25.00 | $25.00 | 8/27/2009 11:42:40 AM |
| axelducheck | $25.00 | $25.00 | 8/27/2009 11:27:40 AM |
| aesop | $25.00 | $25.00 | 8/27/2009 3:18:04 PM |
| PotBellyPete | $25.00 | $25.00 | 8/27/2009 12:59:44 PM |
| amit_gu | $50.00 | $50.00 | 8/27/2009 2:13:11 PM |
| 7301 | $52.51 | $52.51 | 8/27/2009 3:04:37 PM |
| abuyama22 | $25.00 | $25.00 | 8/27/2009 3:10:11 PM |
| elated-justice | $25.00 | $25.00 | 8/27/2009 3:32:50 PM |
| justin323 | $30.00 | $30.00 | 8/27/2009 4:21:45 PM |
| mh1169 | $25.00 | $25.00 | 8/27/2009 5:27:42 PM |
| Coach2often | $50.00 | $50.00 | 8/27/2009 5:47:37 PM |
| spencer14883 | $25.00 | $25.00 | 8/27/2009 7:00:41 PM |
| TK4 | $25.00 | $25.00 | 8/28/2009 7:42:06 AM |
| dj624 | $75.00 | $75.00 | 8/28/2009 7:21:29 AM |
| Tulalue | $50.00 | $50.00 | 8/28/2009 9:52:25 AM |
| Pilotaceh | $25.00 | $25.00 | 8/28/2009 10:45:46 AM |
| Shelby2082 | $25.00 | $25.00 | 8/28/2009 12:50:54 PM |
| HRVRfunding | $25.00 | $25.00 | 8/28/2009 2:20:38 PM |
| Spidey00 | $50.00 | $50.00 | 8/28/2009 12:30:13 PM |
| Bronxpsy | $25.00 | $25.00 | 8/28/2009 12:45:57 PM |
| Nathan8823 | $25.00 | $25.00 | 8/28/2009 11:48:42 AM |
| OldProp | $50.00 | $50.00 | 8/28/2009 2:10:31 PM |
| cyberie21 | $40.00 | $40.00 | 8/28/2009 12:10:49 PM |
| slartibardfast | $30.00 | $30.00 | 8/28/2009 3:17:56 PM |
| HQLender06851 | $50.00 | $50.00 | 8/28/2009 1:26:20 PM |
| Gold_Coin | $25.00 | $25.00 | 8/28/2009 5:40:43 PM |
| 420limo | $99.33 | $99.33 | 8/28/2009 7:29:38 PM |
| Landselott | $25.00 | $25.00 | 8/28/2009 9:00:21 PM |
| festivecpl | $100.00 | $100.00 | 8/29/2009 5:29:55 AM |
| outofoffice | $50.00 | $50.00 | 8/28/2009 8:58:54 PM |
| 850 | $200.00 | $200.00 | 8/28/2009 10:10:53 PM |
| reefer | $50.00 | $50.00 | 8/29/2009 9:05:38 AM |
| smart-return | $50.00 | $50.00 | 8/29/2009 10:44:20 AM |
| SKAGIT22 | $25.00 | $25.00 | 8/29/2009 8:14:38 AM |
| Gabriel02 | $25.00 | $25.00 | 8/30/2009 5:31:34 AM |
| funds-magician142 | $25.00 | $25.00 | 8/29/2009 9:13:45 AM |
| hampa | $25.00 | $25.00 | 8/30/2009 8:26:40 AM |
| louisprima | $28.87 | $28.87 | 8/29/2009 11:50:15 PM |
| BuildingBestLife | $25.00 | $25.00 | 8/30/2009 4:49:45 PM |
| five-star-justice | $36.00 | $36.00 | 8/30/2009 3:30:28 PM |
| velocity-turtle | $25.00 | $25.00 | 8/30/2009 11:30:32 AM |
| rlecour | $50.00 | $50.00 | 8/30/2009 6:00:33 PM |
| aganippe | $50.00 | $50.00 | 8/30/2009 4:10:59 PM |
| shrewd-income | $99.49 | $99.49 | 8/30/2009 9:28:02 PM |
| ALL-PRIME | $25.00 | $25.00 | 8/30/2009 9:30:13 PM |
| sharp518 | $25.00 | $25.00 | 8/31/2009 4:43:03 AM |
| Hokiemon | $25.00 | $25.00 | 8/31/2009 8:11:58 AM |
| fair_rates | $25.00 | $25.00 | 8/30/2009 9:30:17 PM |
| ksubd | $50.00 | $50.00 | 8/30/2009 10:26:02 PM |
| minista | $25.00 | $25.00 | 8/31/2009 9:33:35 AM |
| Cai8899 | $25.00 | $25.00 | 8/31/2009 9:31:22 AM |
| impartial-deal | $25.00 | $25.00 | 8/31/2009 1:02:27 PM |
| BBL | $100.00 | $100.00 | 8/31/2009 1:24:54 PM |
| power-cell | $50.00 | $50.00 | 8/31/2009 11:46:49 AM |
| Au-Ag-Pt | $50.00 | $50.00 | 8/31/2009 1:40:49 PM |
| goofy15975 | $25.00 | $25.00 | 8/31/2009 3:00:32 PM |
| Avala | $25.00 | $25.00 | 8/31/2009 4:11:42 PM |
| money-shaker | $25.00 | $25.00 | 8/31/2009 4:12:52 PM |
| encouraging-cash4 | $25.00 | $25.00 | 8/31/2009 4:17:36 PM |
| revthunder | $45.97 | $45.97 | 8/31/2009 4:13:14 PM |
| longisland47m | $25.00 | $25.00 | 8/31/2009 4:52:55 PM |
| Washington_Loan | $25.00 | $25.00 | 8/31/2009 5:16:39 PM |
| YogaDude34 | $35.45 | $35.45 | 8/31/2009 4:47:03 PM |
| Jassi | $50.00 | $50.00 | 8/31/2009 4:48:54 PM |
| woodenshoes | $100.00 | $100.00 | 8/31/2009 4:49:00 PM |
| lostprophet | $40.68 | $40.68 | 8/31/2009 7:19:37 PM |
| mizount | $25.00 | $25.00 | 8/31/2009 5:09:20 PM |
| acn | $50.00 | $50.00 | 8/31/2009 5:58:00 PM |
| wormdc | $25.00 | $25.00 | 8/31/2009 11:15:19 PM |
| don'twannadance | $50.00 | $50.00 | 8/31/2009 7:35:11 PM |
| nis240sx | $25.00 | $25.00 | 9/1/2009 7:30:55 AM |
| MissionMicroFinance | $25.00 | $25.00 | 9/1/2009 6:00:50 AM |
| anakinsolo | $25.00 | $25.00 | 9/1/2009 6:02:34 AM |
| szetowski | $25.00 | $25.00 | 9/1/2009 3:20:39 AM |
| allloans4me | $50.00 | $50.00 | 9/1/2009 7:30:53 AM |
| zbfamwl | $25.00 | $25.00 | 9/1/2009 7:50:22 AM |
| 262 bids
|
Borrower Payment Dependent Notes Series
421867
This series of Notes was issued and sold upon the funding of the borrower loan #38478, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,750.00 |
Prosper Rating:
| B |
Auction start date:
| Aug-27-2009 |
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction end date:
| Sep-03-2009 |
|
|
Starting lender yield:
| 15.03% |
Starting borrower rate/APR:
| 16.03% / 18.21% |
Starting monthly payment:
| $167.07 |
|
Final lender yield:
| 14.00% |
Final borrower rate/APR:
| 15.00% / 17.17% |
Final monthly payment:
| $164.66 |
| |
|
Auction yield range:
| 6.18% - 15.03% |
Estimated loss impact:
| 5.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Oct-2002 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 720-740 (Aug-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 6y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,398 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 22% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| intrepid-dough |
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
My journey to eliminate debt
Purpose of loan:
This loan will be used to pay off 2 credit cards and a student loan that over the years have acummulated a balance that I have been unable to pay due to my financial situation.
My financial situation:
I am a good candidate for this loan because I am very accountable when it comes to paying any of my bills on time. If you check my credit report you can see that I have never once missed a payment in any of my credit cards nor student loans.
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) |
|
| BerkeleyBonds | $25.00 | $25.00 | 8/27/2009 4:47:00 PM |
| 108lender | $75.00 | $75.00 | 8/27/2009 5:00:40 PM |
| educationfirst | $25.00 | $25.00 | 8/27/2009 5:01:09 PM |
| jeg3k | $25.00 | $25.00 | 8/27/2009 5:02:24 PM |
| pure-deal6 | $25.00 | $25.00 | 8/27/2009 5:02:51 PM |
| chlebie | $50.00 | $50.00 | 8/27/2009 5:03:00 PM |
| ianakacg | $25.00 | $25.00 | 8/27/2009 5:03:07 PM |
| Sam65 | $25.00 | $25.00 | 8/27/2009 5:03:48 PM |
| honorable-yield | $25.00 | $25.00 | 8/27/2009 5:05:10 PM |
| Elbanko | $25.00 | $25.00 | 8/27/2009 5:06:19 PM |
| keeks | $25.00 | $25.00 | 8/27/2009 5:07:32 PM |
| zeelender | $25.00 | $25.00 | 8/27/2009 5:07:42 PM |
| standanddeliver | $25.00 | $25.00 | 8/27/2009 5:08:15 PM |
| peb44 | $100.00 | $100.00 | 8/27/2009 5:08:25 PM |
| Penny | $50.00 | $50.00 | 8/27/2009 5:08:59 PM |
| figs4u2 | $200.00 | $200.00 | 8/27/2009 5:09:20 PM |
| westsidehighway | $25.00 | $25.00 | 8/27/2009 5:09:32 PM |
| Syzygy | $25.00 | $25.00 | 8/27/2009 5:10:15 PM |
| Josta | $50.00 | $50.00 | 8/27/2009 5:11:03 PM |
| topher515 | $25.00 | $25.00 | 8/27/2009 5:00:12 PM |
| p2p-allocator | $25.00 | $25.00 | 8/27/2009 5:00:06 PM |
| little_shark_J | $25.00 | $25.00 | 8/27/2009 5:13:56 PM |
| julijask | $25.00 | $25.00 | 8/27/2009 5:15:05 PM |
| whiteshadow | $50.00 | $50.00 | 8/27/2009 5:15:15 PM |
| gold-tsunami | $25.00 | $25.00 | 8/27/2009 5:15:27 PM |
| profit33r | $25.00 | $25.00 | 8/27/2009 5:01:18 PM |
| goofy15975 | $25.00 | $25.00 | 8/27/2009 5:01:38 PM |
| goingplaces99 | $25.00 | $25.00 | 8/27/2009 5:03:25 PM |
| unclejaef | $25.00 | $25.00 | 8/27/2009 5:04:01 PM |
| Frenchynh | $25.00 | $25.00 | 8/27/2009 5:02:18 PM |
| p2p_banker | $25.00 | $25.00 | 8/27/2009 5:04:17 PM |
| theQuietLender | $25.00 | $25.00 | 8/27/2009 5:02:30 PM |
| JoeMB | $25.00 | $25.00 | 8/27/2009 5:04:49 PM |
| iolaire | $25.00 | $25.00 | 8/27/2009 5:03:22 PM |
| minista | $25.00 | $25.00 | 8/27/2009 6:17:21 PM |
| KaiserRex | $25.00 | $25.00 | 8/27/2009 5:04:25 PM |
| nick5454 | $50.00 | $50.00 | 8/27/2009 5:04:35 PM |
| socialbanker | $25.00 | $25.00 | 8/27/2009 5:04:41 PM |
| irrelevant | $25.00 | $25.00 | 8/27/2009 5:05:04 PM |
| jbarron | $25.00 | $25.00 | 8/27/2009 5:07:59 PM |
| SNH | $25.00 | $25.00 | 8/27/2009 5:05:35 PM |
| anton | $25.00 | $25.00 | 8/27/2009 5:05:42 PM |
| orindalender | $25.00 | $25.00 | 8/27/2009 5:08:07 PM |
| Artist_Blue | $25.00 | $25.00 | 8/27/2009 5:05:57 PM |
| personal-lender | $25.00 | $25.00 | 8/27/2009 5:06:12 PM |
| thedreamer | $25.00 | $25.00 | 8/27/2009 5:06:25 PM |
| wayman | $50.00 | $50.00 | 8/27/2009 5:08:32 PM |
| red-sublime-return | $25.00 | $25.00 | 8/27/2009 5:06:32 PM |
| fizwahh | $30.00 | $30.00 | 8/27/2009 5:06:41 PM |
| 02bob | $25.00 | $25.00 | 8/27/2009 5:06:46 PM |
| exact-justice | $25.00 | $25.00 | 8/27/2009 5:08:48 PM |
| Champpilot | $50.00 | $50.00 | 8/27/2009 5:07:20 PM |
| slymoose | $25.00 | $25.00 | 8/27/2009 5:09:12 PM |
| hopethisworks | $50.00 | $50.00 | 8/27/2009 5:07:47 PM |
| nodrivelpls | $25.00 | $25.00 | 8/27/2009 5:07:54 PM |
| brazilofmux | $100.00 | $100.00 | 8/27/2009 5:09:35 PM |
| Turkish101 | $25.00 | $25.00 | 8/27/2009 5:14:16 PM |
| zento | $25.00 | $25.00 | 8/27/2009 5:14:49 PM |
| deal-mover | $25.00 | $11.00 | 8/27/2009 5:15:46 PM |
| MidnightBank | $25.00 | $25.00 | 8/28/2009 11:53:48 AM |
| Sol_Invictus | $25.00 | $25.00 | 9/1/2009 9:27:10 AM |
| ethicalhumanist | $25.00 | $25.00 | 9/1/2009 1:20:32 PM |
| SafeSaxa | $25.00 | $25.00 | 9/1/2009 4:17:45 PM |
| outofoffice | $50.00 | $50.00 | 9/1/2009 7:44:43 PM |
| bxdoc | $75.00 | $75.00 | 9/1/2009 7:55:27 PM |
| lowrate | $25.00 | $25.00 | 9/1/2009 8:35:20 PM |
| A007 | $25.00 | $25.00 | 9/2/2009 7:00:26 AM |
| compassion-paladin042 | $25.00 | $25.00 | 9/1/2009 8:20:34 PM |
| All_Wins | $25.00 | $25.00 | 9/1/2009 9:01:04 PM |
| mooselegs19 | $25.00 | $25.00 | 9/2/2009 8:05:34 AM |
| captainack | $25.00 | $25.00 | 9/2/2009 8:45:50 AM |
| ALVO | $50.00 | $50.00 | 9/2/2009 7:40:31 AM |
| dparkhom | $25.00 | $25.00 | 9/2/2009 2:05:27 PM |
| five-star-justice | $36.00 | $36.00 | 9/2/2009 6:01:31 PM |
| Divot | $25.00 | $25.00 | 9/2/2009 8:52:01 PM |
| curly2k | $25.00 | $25.00 | 8/27/2009 5:00:26 PM |
| mason13a | $25.00 | $25.00 | 8/27/2009 5:01:27 PM |
| scottr | $25.00 | $25.00 | 8/27/2009 5:01:52 PM |
| elated-justice | $25.00 | $25.00 | 8/27/2009 5:03:27 PM |
| Moron_Buffet | $25.00 | $25.00 | 8/27/2009 5:05:14 PM |
| crazycool | $35.00 | $35.00 | 8/27/2009 5:06:56 PM |
| don8ter | $25.00 | $25.00 | 8/27/2009 5:07:05 PM |
| Dakota98 | $50.00 | $50.00 | 8/27/2009 4:47:54 PM |
| PalmTreeIsland | $50.00 | $50.00 | 8/27/2009 4:48:03 PM |
| skuba | $25.00 | $25.00 | 8/27/2009 4:59:10 PM |
| AnxiousAirman | $25.00 | $25.00 | 8/27/2009 5:10:44 PM |
| DrStaff | $60.00 | $60.00 | 8/27/2009 5:11:00 PM |
| Halos2002 | $50.00 | $50.00 | 8/27/2009 5:00:16 PM |
| lagnisiruk | $25.00 | $25.00 | 8/27/2009 5:00:31 PM |
| best-platinum-persimmon | $25.00 | $25.00 | 8/27/2009 5:01:32 PM |
| jgar_O | $25.00 | $25.00 | 8/27/2009 5:01:45 PM |
| atllender | $25.00 | $25.00 | 8/27/2009 5:01:58 PM |
| new-thrilling-principal | $25.00 | $25.00 | 8/27/2009 5:00:24 PM |
| the-profit-oracle | $25.00 | $25.00 | 8/27/2009 5:02:10 PM |
| CarDealer3070 | $25.00 | $25.00 | 8/27/2009 5:02:45 PM |
| liederhaus | $50.00 | $50.00 | 8/27/2009 5:01:12 PM |
| mikeandcat | $50.00 | $50.00 | 8/27/2009 5:03:12 PM |
| JohnW12 | $25.00 | $25.00 | 8/27/2009 5:03:38 PM |
| mpactlender | $25.00 | $25.00 | 8/27/2009 5:02:36 PM |
| hc90474 | $25.00 | $25.00 | 8/27/2009 5:05:21 PM |
| mathprof | $25.00 | $25.00 | 8/27/2009 5:05:50 PM |
| dimitrip1024 | $25.00 | $25.00 | 8/27/2009 5:03:33 PM |
| GElender | $50.00 | $50.00 | 8/27/2009 5:06:06 PM |
| cyberie21 | $40.00 | $40.00 | 8/27/2009 5:03:54 PM |
| money-shaker | $25.00 | $25.00 | 8/27/2009 5:06:28 PM |
| roman2008 | $25.00 | $25.00 | 8/27/2009 5:04:29 PM |
| kazanov | $25.00 | $25.00 | 8/27/2009 5:05:02 PM |
| Kaj | $25.00 | $25.00 | 8/27/2009 5:05:07 PM |
| yield-lion | $25.00 | $25.00 | 8/27/2009 5:08:04 PM |
| VentureExplorer | $25.00 | $25.00 | 8/27/2009 5:08:11 PM |
| 888168 | $25.00 | $25.00 | 8/27/2009 5:06:36 PM |
| MrDavid | $25.00 | $25.00 | 8/27/2009 5:08:43 PM |
| Aquani | $50.00 | $50.00 | 8/27/2009 5:07:37 PM |
| WalnutCreekguy | $33.00 | $33.00 | 8/27/2009 5:09:26 PM |
| BBL | $25.00 | $25.00 | 8/27/2009 5:10:28 PM |
| siege01 | $25.00 | $25.00 | 8/27/2009 5:10:47 PM |
| unk1911 | $25.00 | $25.00 | 8/27/2009 5:14:36 PM |
| gm93001 | $50.00 | $50.00 | 8/27/2009 5:15:11 PM |
| flyboy24 | $25.00 | $25.00 | 8/27/2009 5:15:34 PM |
| chrisb1414 | $25.00 | $25.00 | 8/27/2009 9:14:41 PM |
| Traal | $25.00 | $25.00 | 8/28/2009 11:38:06 AM |
| jetblack | $50.00 | $50.00 | 8/28/2009 11:52:13 AM |
| UncleSafety | $100.00 | $100.00 | 8/28/2009 4:38:19 PM |
| loanman2007 | $50.00 | $50.00 | 8/29/2009 12:36:31 PM |
| Jalupa | $25.00 | $25.00 | 8/30/2009 11:04:18 AM |
| Eagledrop | $25.00 | $25.00 | 8/30/2009 3:51:12 PM |
| interstellar | $50.00 | $50.00 | 8/31/2009 11:45:39 AM |
| GRI | $50.00 | $50.00 | 9/1/2009 8:40:19 PM |
| djd50 | $25.00 | $25.00 | 9/2/2009 4:20:46 AM |
| BSr | $25.00 | $25.00 | 9/2/2009 5:30:46 AM |
| new-goal-return | $25.00 | $25.00 | 9/2/2009 7:07:47 AM |
| kruizen | $25.00 | $25.00 | 9/1/2009 8:20:25 PM |
| unequivocal-velocity | $50.00 | $50.00 | 9/1/2009 9:20:32 PM |
| income-rocker2 | $25.00 | $25.00 | 9/2/2009 9:50:34 AM |
| bid-papyrus | $50.00 | $50.00 | 9/2/2009 9:31:53 AM |
| massuot | $25.00 | $25.00 | 9/2/2009 11:08:36 AM |
| Gabriel02 | $25.00 | $25.00 | 9/2/2009 10:23:53 AM |
| monticello | $30.00 | $30.00 | 9/2/2009 11:40:31 AM |
| Veggie_Monkey | $25.00 | $25.00 | 9/2/2009 1:33:15 PM |
| newton77 | $25.00 | $25.00 | 9/2/2009 5:30:17 PM |
| flexible1 | $25.00 | $25.00 | 9/2/2009 7:50:18 PM |
| rjleves | $25.00 | $25.00 | 9/3/2009 8:25:16 AM |
| JDFuego | $25.00 | $25.00 | 9/3/2009 6:21:22 AM |
| 143 bids
|
Borrower Payment Dependent Notes Series
422021
This series of Notes was issued and sold upon the funding of the borrower loan #38501, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction start date:
| Aug-26-2009 |
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction end date:
| Sep-07-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.73% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 14.18% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
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-2000 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 600-620 (Aug-2009) |
Current / open credit lines:
| 12
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,182 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 82% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 6 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| laz053 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 600-620
(Jul-2009)
600-620
(Feb-2008)
600-620
(Jan-2008)
580-600
(Sep-2007)
|
|
Principal balance:
| $2,954.03 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Pay off Debt! * No DQs*
this loan.
Purpose of loan:
This loan will allow me to pay down my high interest credit card debt and student loans I acquired while in school.? I work hard to pay my bills, but with multiple cards and student loans it has become increasingly difficult to keep track of what is coming and going.?I plan to pay off my BOA credit card with this loan. Paying down some of these remaining credit cards will be a huge relief.? I work for a very successful group of doctors with great job security. I always pay on time and have no delinquencies.?Please bid with confidence!!!?? Thanks !
Monthly net income$ 3200
?Housing: $ 300- I pay rent to my sister
??Insurance: $ 103
??Car expenses: $ 412
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $?674
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 amounts and rates of the cards/loans that you are going to pay down? Thanks. - RoguishHound
A:
Thanks for asking! I plan to pay off my Bank of America card with this loan. The interest rate just increased to 28.9%. I plan to pay this Prosper loan off within the next 6 months. Thank you for your consideration!!! Feel free to ask any further questions. Thanks!
(Aug-30-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $100.00 | $100.00 | 8/26/2009 9:11:44 PM |
| LeoBUSIIT | $25.00 | $25.00 | 8/31/2009 6:49:53 AM |
| Abundanceforus | $147.70 | $147.70 | 8/31/2009 2:43:38 PM |
| sweety075 | $25.00 | $25.00 | 8/31/2009 9:20:02 PM |
| plbquic | $25.00 | $25.00 | 9/2/2009 11:26:47 AM |
| psycho-mullet | $25.00 | $25.00 | 9/2/2009 11:33:28 AM |
| festivecpl | $50.00 | $50.00 | 9/2/2009 8:17:33 PM |
| mrbill5548 | $25.00 | $25.00 | 9/3/2009 5:55:22 PM |
| 850 | $200.00 | $200.00 | 9/3/2009 5:51:21 PM |
| Streetfighter | $200.00 | $200.00 | 9/4/2009 5:30:08 AM |
| jamiee73 | $25.00 | $25.00 | 9/4/2009 10:49:32 PM |
| Unitas4302 | $103.56 | $103.56 | 9/4/2009 4:33:26 PM |
| Wyatte | $100.00 | $65.44 | 9/4/2009 6:31:27 PM |
| Jinja | $25.00 | $25.00 | 9/6/2009 9:37:10 AM |
| NC_Capital_Funding | $25.00 | $25.00 | 9/6/2009 11:51:02 AM |
| macbeck22 | $58.25 | $58.25 | 9/7/2009 5:59:22 AM |
| rate-farm3 | $100.00 | $100.00 | 8/28/2009 9:44:34 AM |
| BSr | $25.00 | $25.00 | 8/28/2009 4:30:08 AM |
| TripleNickle | $25.05 | $25.05 | 8/31/2009 7:19:16 PM |
| Iceman1347 | $25.00 | $25.00 | 9/1/2009 10:34:58 PM |
| NC_Capital_Funding | $25.00 | $25.00 | 9/2/2009 11:46:16 PM |
| jbloans | $25.00 | $25.00 | 9/5/2009 2:24:23 PM |
| bigdees | $50.00 | $50.00 | 9/6/2009 4:02:00 AM |
| SunriseTrader1 | $25.00 | $25.00 | 9/6/2009 9:51:59 AM |
| autoconnection | $25.00 | $25.00 | 9/6/2009 6:40:37 PM |
| Credit2Prosper | $25.00 | $25.00 | 9/6/2009 9:35:12 PM |
| unbeatable-wealth | $25.00 | $25.00 | 9/6/2009 7:17:03 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
422295
This series of Notes was issued and sold upon the funding of the borrower loan #38483, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction start date:
| Sep-01-2009 |
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction end date:
| Sep-02-2009 |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $222.98 |
|
Final lender yield:
| 17.23% |
Final borrower rate/APR:
| 18.23% / 20.44% |
Final monthly payment:
| $217.61 |
| |
|
Auction yield range:
| 17.18% - 19.00% |
Estimated loss impact:
| 18.95% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.72% | | |
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:
| Aug-1986 |
Debt/Income ratio:
| 43% |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $850 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 99% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| dixie-doo |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
RELIST - NURSE IN NEED/PLEASE READ
Purpose of loan:
This loan will be used to pay off 2 very high interest, payday like loans as well as several other credit cards. After my divorce I resorted to bankruptcy to help me make a fresh start. Subsequently, the only loans I was able to get were high interest ones.? At the time, all 3 of my children were in college and I was unable to get Parents Plus loans to help them because of the bankruptcy. I resorted to 2 high interest loans for that. These 2 loans especially have really been dragging me down. With interest rates of 96% the balances never seem to go down. The first loan with Brookwood Lending still has a balance of $1338.66 (payment $237.44/month.) The second loan is with Cash Call and still has a balance of $1966.88 (payment 216.55/month.) I would also like to pay off 3 credit cards (Fashion Bug, Credit One and Life Uniforms - total about $2400) and have just one Prosper loan to pay.? A Prosper loan will save me at least $150 monthly and stop the cycle of balances that never go down. I do not intend to pay off my Prosper loan early.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time. This and I have very good job security. I am a nurse and have worked continuously in this occupation since graduating from nursing school in 1988. Unfortunately Prosper only allows the inclusion of one job in it's listing however I have 2. It is true that I have only been with my current primary employer for 8 months but I have been working part time at another institution for 9 years. My previous primary employer was a travel nurse company. I was with them for 3 years. When I decided to stop doing travel nursing I was hired by my current full time employer. As a nurse, the opportunities are many and with the nursing shortage projected to get worse, I will never be unemployed.?
* I withdrew a previous listing which included a request to also pay off my car loan which also has a high interest rate. However, at the suggestion of another Prosper member, I have decided to just focus on getting my loans and credit cards paid off. I will, apart from Prosper, attempt to refinance my car loan.
Monthly net income: $3300
Monthly expenses:
? Housing: $700
? Insurance: $300 (auto and health)
? Car expenses: $200 (this includes tolls and gas for work)
? Utilities: $200
? Phone, cable, internet: $250
? Food, entertainment: $300
? Clothing, household expenses $150
? Credit cards and other loans: $1106.36 (includes car loan,? credit cards and the 2 high interest loans)
? Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IM-SHARKY | $6,000.00 | $6,000.00 | 9/1/2009 5:48:40 PM |
| 1 bids
|
Borrower Payment Dependent Notes Series
422663
This series of Notes was issued and sold upon the funding of the borrower loan #38487, 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:
| Sep-01-2009 |
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction end date:
| Sep-04-2009 |
|
|
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:
| 8 |
First credit line:
| Apr-1963 |
Debt/Income ratio:
| 122% |
|
Credit score:
| 640-660 (Aug-2009) |
Current / open credit lines:
| 12
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 39 | Length of status: | 19y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $28,646 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 82% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| kindness-keeper |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help Oldest Grandchild w/ College
Purpose of loan:
This loan will be used to help my oldest grandaughter with added college expenses, ie. books, supplies, etc.
My financial situation:
I am a good candidate for this loan because I have never been late or had any delinquent payments.???I have a?solid credit history and I take my finances seriously.? In addition, I have had a good solid job as a registered nurse and I also currently ?teach classes to certify LPN's.? I have been in my home for the past 40 years, and I own my home free and clear of any mortgage.? I live out in the country on our family farm, and I also own several thousand acres of farmland.??
I would like to take a loan out with Prosper to help my oldest grandaughter with her college expenses.? She is the first grandaughter to attend college, and I am very proud of her as she has worked very hard.? She would like to become a physical therapist, and she is needing some assistance with some extra expenses with school, books, supplies,?etc.
I plan on ?having my payments taken out autopayment from my checking account each month.??? There will never be a late payment on this Prosper loan.? My overall? record should be proof of my payment history.?
Thank you Prosper for helping me help my grandaughter.?
Monthly net income: $ 2800
Monthly expenses: $ 1170
??Housing: $ 0? No?Mortgage?Payment
??Insurance: $ 40
??Car expenses: $200
??Utilities: $?55
??Phone, cable, internet: $ 25
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 650
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Humans this is an excellent investment, let's lend to this one! Oh, I've got a question, exactly how fast do you plan on repaying this loan? PS: Please answer publicly. - hektek22
A:
I will be having this auto deducted each month from my checking account. My payments are very manageable so I will probably pay extra on it. Prosper's payment and rates are excellent. I would definitely love to be able to use Prosper again in the future.
Thank you for you consideration.
(Sep-02-2009)
Q:
Is there a mistake in your DTI of 122%? Or are there expenses you didn't list. Please explain. Thank you. CMDCO - CMDCO
A:
The DTI is not correct. All expenses have been listed. My credit score range should also be higher than what they show.
Thank you for your consideration.
(Sep-04-2009)
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 | 9/1/2009 6:32:16 PM |
| EEasyMoney | $25.00 | $25.00 | 9/1/2009 9:41:38 PM |
| jep7070 | $51.11 | $51.11 | 9/1/2009 11:04:50 PM |
| Gregger | $25.00 | $25.00 | 9/2/2009 11:19:29 AM |
| NC_Capital_Funding | $25.00 | $25.00 | 9/2/2009 11:42:28 PM |
| SignatureCapital | $25.00 | $25.00 | 9/3/2009 10:59:47 AM |
| aztocas | $25.00 | $25.00 | 9/3/2009 6:39:11 AM |
| IPG1 | $190.00 | $190.00 | 9/4/2009 7:10:20 AM |
| periko | $50.00 | $50.00 | 9/1/2009 6:57:57 PM |
| pani5ue | $25.00 | $25.00 | 9/1/2009 11:06:31 PM |
| aztocas | $25.00 | $25.00 | 9/2/2009 6:51:09 AM |
| pyungpyung | $25.00 | $25.00 | 9/2/2009 1:27:31 PM |
| titancash4u | $50.00 | $50.00 | 9/3/2009 10:49:32 AM |
| hellasow | $25.00 | $25.00 | 9/3/2009 12:25:07 PM |
| park5gadi | $68.00 | $68.00 | 9/3/2009 7:20:33 PM |
| MONEY_IN_THE_BANK | $42.83 | $42.83 | 9/3/2009 4:45:41 PM |
| justme4now | $25.00 | $23.06 | 9/4/2009 5:07:35 AM |
| 17 bids
|