Sales Report:Supplement No. 57 dated Oct 13, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
424817
This series of Notes was issued and sold upon the funding of the borrower loan #38826, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Sep-17-2009 |
| |
Auction end date:
| Oct-01-2009 |
|
|
Starting lender yield:
| 11.33% |
Starting borrower rate/APR:
| 12.33% / 14.47% |
Starting monthly payment:
| $300.35 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $291.67 |
| |
|
Auction yield range:
| 4.27% - 11.33% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.17% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 780-800 (Sep-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,379 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 29% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| axelducheck |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Debt
Purpose of loan:
This loan will be used to consolidate some debt on a line of credit and a credit card.
My financial situation:
I am a good candidate for this loan because I take my debt obligations very seriously, and I've never had a problem with being employed.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| skuba | $50.00 | $50.00 | 9/17/2009 4:44:06 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/17/2009 4:45:25 PM |
| sas19 | $25.00 | $25.00 | 9/17/2009 4:46:34 PM |
| kinetic-diversification | $50.00 | $50.00 | 9/17/2009 4:46:53 PM |
| snowman34 | $25.00 | $25.00 | 9/17/2009 4:47:32 PM |
| flexiboy35 | $25.00 | $25.00 | 9/17/2009 4:52:07 PM |
| crenen139 | $25.00 | $25.00 | 9/17/2009 4:52:49 PM |
| gold-cluster | $25.00 | $25.00 | 9/17/2009 4:54:32 PM |
| Sid-K | $50.00 | $50.00 | 9/17/2009 4:43:56 PM |
| uncleegg | $25.00 | $25.00 | 9/17/2009 4:49:24 PM |
| lagnisiruk | $25.00 | $25.00 | 9/17/2009 4:55:21 PM |
| Weaverville | $25.00 | $25.00 | 9/17/2009 8:50:36 PM |
| don8ter | $28.31 | $28.31 | 9/18/2009 7:24:42 AM |
| SNH | $50.00 | $50.00 | 9/18/2009 10:13:06 AM |
| anton | $50.00 | $50.00 | 9/18/2009 3:59:58 PM |
| testobsessed | $40.96 | $40.96 | 9/18/2009 5:02:47 PM |
| meux99 | $25.00 | $25.00 | 9/18/2009 5:04:39 PM |
| buckyhead2000 | $25.00 | $25.00 | 9/18/2009 5:56:02 PM |
| MidnightBank | $25.00 | $25.00 | 9/19/2009 7:31:58 AM |
| pawsitive | $25.00 | $25.00 | 9/20/2009 2:02:17 PM |
| BlindProphet | $25.00 | $25.00 | 9/20/2009 8:32:20 PM |
| visionary-currency | $100.00 | $100.00 | 9/21/2009 4:48:39 PM |
| discrete-asset | $25.00 | $25.00 | 9/22/2009 9:33:48 AM |
| turbine5 | $40.00 | $40.00 | 9/22/2009 10:25:42 AM |
| kegs | $100.00 | $100.00 | 9/22/2009 10:34:05 AM |
| bid-papyrus | $27.45 | $27.45 | 9/22/2009 4:28:56 PM |
| kindness-saver | $25.00 | $25.00 | 9/23/2009 11:26:41 AM |
| rmachi | $25.00 | $25.00 | 9/23/2009 5:31:15 PM |
| goofy15975 | $25.00 | $25.00 | 9/23/2009 5:32:48 PM |
| personal-lender | $25.00 | $25.00 | 9/23/2009 7:36:56 PM |
| seasportsguy | $25.00 | $25.00 | 9/24/2009 6:19:05 AM |
| japper2353 | $25.00 | $25.00 | 9/24/2009 6:16:56 AM |
| zeraphm | $25.00 | $25.00 | 9/24/2009 6:17:29 AM |
| rce1964 | $25.00 | $25.00 | 9/24/2009 10:27:35 AM |
| CPAMAN | $25.00 | $25.00 | 9/24/2009 7:37:14 AM |
| icon7 | $25.00 | $25.00 | 9/24/2009 10:41:53 AM |
| noble-revenue | $25.00 | $25.00 | 9/24/2009 11:48:23 AM |
| kenyonhillbilly | $25.00 | $25.00 | 9/24/2009 9:46:42 AM |
| MGOT-Ken | $25.00 | $25.00 | 9/24/2009 2:32:36 PM |
| Gibbyland | $100.00 | $100.00 | 9/25/2009 3:18:35 AM |
| LoanGiver | $25.00 | $25.00 | 9/25/2009 6:47:25 AM |
| stonesculptor | $100.00 | $100.00 | 9/25/2009 8:29:46 AM |
| generous-deal6 | $25.00 | $25.00 | 9/25/2009 10:53:15 AM |
| Kelor99 | $25.00 | $25.00 | 9/25/2009 9:36:11 AM |
| bayareainv | $50.00 | $50.00 | 9/25/2009 1:07:18 PM |
| cash-sensai2 | $25.00 | $25.00 | 9/26/2009 6:12:01 AM |
| pseudokris | $25.00 | $25.00 | 9/26/2009 8:32:02 AM |
| loanman2007 | $50.00 | $50.00 | 9/26/2009 9:57:53 AM |
| jdnyc | $25.00 | $25.00 | 9/27/2009 4:48:53 PM |
| czar3 | $25.00 | $25.00 | 9/28/2009 9:33:47 AM |
| djc314 | $25.00 | $25.00 | 9/28/2009 3:27:59 PM |
| neenerman | $25.00 | $25.00 | 9/28/2009 9:42:09 PM |
| orange-resolute-platinum | $25.00 | $25.00 | 9/28/2009 11:02:39 PM |
| jt88 | $25.00 | $25.00 | 9/28/2009 10:37:37 PM |
| MissionMicroFinance | $50.00 | $50.00 | 9/29/2009 5:44:41 AM |
| newest-unique-integrity | $25.00 | $25.00 | 9/29/2009 6:37:16 AM |
| Jynxie | $28.45 | $28.45 | 9/29/2009 8:37:16 AM |
| CorporateT00l | $25.00 | $25.00 | 9/29/2009 11:02:48 AM |
| midifool | $25.00 | $25.00 | 9/29/2009 11:31:40 AM |
| totoro | $25.00 | $25.00 | 9/29/2009 3:13:29 PM |
| JJS180 | $25.00 | $25.00 | 9/29/2009 12:26:52 PM |
| TK4 | $25.00 | $25.00 | 9/29/2009 1:03:44 PM |
| whiteshadow | $25.00 | $25.00 | 9/29/2009 2:21:19 PM |
| financelover | $50.00 | $50.00 | 9/29/2009 2:34:14 PM |
| crossborders | $25.00 | $25.00 | 9/29/2009 2:34:36 PM |
| jct_enterprises | $25.00 | $25.00 | 9/29/2009 3:12:09 PM |
| rjleves | $25.00 | $25.00 | 9/29/2009 4:40:15 PM |
| Floridagirl | $25.00 | $25.00 | 9/30/2009 5:58:25 PM |
| ScottFinance | $25.00 | $25.00 | 9/30/2009 5:09:33 PM |
| kushbomb | $172.26 | $172.26 | 9/30/2009 9:31:00 PM |
| bkb7484 | $25.00 | $25.00 | 10/1/2009 4:21:05 AM |
| Occhy | $25.00 | $25.00 | 10/1/2009 7:42:20 AM |
| SkipMcGrath | $30.13 | $30.13 | 10/1/2009 10:49:37 AM |
| maga | $200.00 | $200.00 | 10/1/2009 11:47:31 AM |
| credit-bada-bing | $25.00 | $25.00 | 10/1/2009 1:52:50 PM |
| Rob717171 | $150.00 | $150.00 | 10/1/2009 3:31:32 PM |
| kf88 | $25.00 | $25.00 | 10/1/2009 2:23:48 PM |
| whitegold24k | $500.00 | $500.00 | 10/1/2009 3:27:42 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/1/2009 3:49:01 PM |
| Nasdaq | $100.00 | $100.00 | 10/1/2009 3:54:21 PM |
| investment-visionary | $25.00 | $25.00 | 10/1/2009 4:23:14 PM |
| Moneypenny6 | $25.00 | $25.00 | 10/1/2009 4:30:51 PM |
| Prossper-Godfather | $100.00 | $100.00 | 10/1/2009 4:24:26 PM |
| wwwUniversal | $25.00 | $25.00 | 10/1/2009 4:29:50 PM |
| biffmush | $250.00 | $250.00 | 10/1/2009 4:31:19 PM |
| bchen78875 | $50.00 | $50.00 | 9/17/2009 4:44:15 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/17/2009 4:44:58 PM |
| Kame | $25.00 | $25.00 | 9/17/2009 4:45:04 PM |
| Cherrypicker06 | $25.00 | $25.00 | 9/17/2009 4:43:47 PM |
| DukSerduk | $25.00 | $25.00 | 9/17/2009 4:44:02 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/17/2009 4:44:26 PM |
| compoundinterest | $50.00 | $50.00 | 9/17/2009 4:46:41 PM |
| gold-tsunami | $25.00 | $25.00 | 9/17/2009 4:45:08 PM |
| degster | $25.00 | $25.00 | 9/17/2009 4:49:35 PM |
| Barak | $80.00 | $80.00 | 9/17/2009 4:54:03 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/17/2009 4:51:25 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/17/2009 4:51:46 PM |
| Cai8899 | $25.00 | $25.00 | 9/17/2009 4:43:41 PM |
| elasermd | $50.00 | $50.00 | 9/17/2009 4:44:38 PM |
| j48 | $25.00 | $25.00 | 9/18/2009 10:53:29 AM |
| Finspons | $300.00 | $300.00 | 9/18/2009 2:47:45 PM |
| Syzygy | $25.00 | $25.00 | 9/18/2009 3:34:10 PM |
| Halos2002 | $43.59 | $43.59 | 9/18/2009 8:57:00 PM |
| honorable-yield | $49.94 | $49.94 | 9/19/2009 9:32:13 AM |
| Viamin | $25.00 | $25.00 | 9/20/2009 1:22:47 AM |
| kid8549 | $25.00 | $25.00 | 9/20/2009 9:22:40 AM |
| gracej | $25.00 | $25.00 | 9/20/2009 7:42:06 PM |
| suave-dollar | $40.00 | $40.00 | 9/21/2009 9:33:13 AM |
| chief_wo | $25.00 | $25.00 | 9/21/2009 11:04:03 AM |
| trade-watcher | $25.00 | $25.00 | 9/21/2009 5:33:09 PM |
| tuffshorty | $50.00 | $50.00 | 9/22/2009 9:33:01 AM |
| GatorBait | $25.00 | $25.00 | 9/22/2009 9:50:37 AM |
| djh47a | $40.00 | $40.00 | 9/22/2009 9:34:39 AM |
| Jassi | $25.00 | $25.00 | 9/22/2009 9:44:41 AM |
| larrybird | $95.00 | $95.00 | 9/22/2009 10:54:04 AM |
| zento | $25.00 | $25.00 | 9/22/2009 1:04:30 PM |
| cowboyskier | $26.12 | $26.12 | 9/22/2009 2:28:55 PM |
| Banker7371 | $25.00 | $25.00 | 9/22/2009 4:12:16 PM |
| Marathoner | $25.00 | $25.00 | 9/22/2009 8:47:17 PM |
| Castellan | $25.00 | $25.00 | 9/22/2009 6:27:20 PM |
| transparency-giant | $50.00 | $50.00 | 9/23/2009 8:12:19 AM |
| dime-violin | $25.00 | $25.00 | 9/23/2009 9:33:33 AM |
| fortytwo | $200.00 | $200.00 | 9/23/2009 9:36:01 AM |
| jeffc92 | $50.00 | $50.00 | 9/23/2009 10:19:02 AM |
| SOP_Bank | $25.00 | $25.00 | 9/23/2009 4:09:31 PM |
| lgs83 | $25.00 | $25.00 | 9/24/2009 6:02:56 AM |
| coolspeed | $25.00 | $25.00 | 9/24/2009 6:15:53 AM |
| engaging-worth | $30.00 | $30.00 | 9/24/2009 9:46:22 AM |
| inventive-funds | $25.00 | $25.00 | 9/24/2009 9:33:32 AM |
| TheMan | $25.00 | $25.00 | 9/24/2009 10:58:52 AM |
| julijask | $25.00 | $25.00 | 9/24/2009 2:33:05 PM |
| justice-dna | $25.00 | $25.00 | 9/24/2009 3:50:27 PM |
| Havana21 | $500.00 | $500.00 | 9/24/2009 10:03:25 PM |
| Havana21 | $500.00 | $500.00 | 9/24/2009 11:12:20 PM |
| hawker | $100.00 | $100.00 | 9/25/2009 5:12:45 AM |
| platinum-sorcerer6 | $25.00 | $25.00 | 9/25/2009 9:34:38 AM |
| Dollars4Rent | $25.00 | $25.00 | 9/25/2009 9:15:17 AM |
| zone6 | $25.00 | $25.00 | 9/25/2009 9:33:28 AM |
| bowdish1 | $50.00 | $50.00 | 9/25/2009 2:06:47 PM |
| cjames84 | $25.00 | $25.00 | 9/27/2009 4:03:14 AM |
| income-crescendo1 | $25.00 | $25.00 | 9/28/2009 9:35:46 AM |
| thedreamer | $25.00 | $25.00 | 9/28/2009 1:04:19 AM |
| InvestorPartners | $25.00 | $25.00 | 9/28/2009 1:07:19 AM |
| power-collider | $25.00 | $25.00 | 9/28/2009 11:48:02 AM |
| KiwiElf | $30.00 | $30.00 | 9/28/2009 10:37:48 AM |
| Cheburashka | $25.00 | $25.00 | 9/28/2009 11:23:41 AM |
| busybee007 | $25.00 | $25.00 | 9/28/2009 12:44:44 PM |
| langdonx | $28.88 | $28.88 | 9/28/2009 3:28:06 PM |
| robinw777 | $25.00 | $25.00 | 9/28/2009 11:25:13 PM |
| majormoves1 | $25.00 | $25.00 | 9/28/2009 6:04:09 PM |
| impartial-deal | $25.00 | $25.00 | 9/28/2009 8:37:07 PM |
| dealarella | $25.00 | $25.00 | 9/28/2009 9:27:15 PM |
| Digs | $25.00 | $25.00 | 9/29/2009 9:36:13 AM |
| Lendomatic | $25.00 | $25.00 | 9/28/2009 11:21:55 PM |
| GhaChr | $25.00 | $25.00 | 9/29/2009 10:46:47 AM |
| MONEYLENDER101 | $100.00 | $100.00 | 9/29/2009 6:27:37 AM |
| dansarkis | $25.00 | $25.00 | 9/29/2009 8:37:35 AM |
| inventive-exchange | $25.00 | $25.00 | 9/29/2009 9:34:38 AM |
| mikeandcat | $50.00 | $50.00 | 9/29/2009 12:12:27 PM |
| radiant-fund | $25.00 | $25.00 | 9/29/2009 11:14:25 AM |
| riversmoke | $25.00 | $25.00 | 9/29/2009 2:34:17 PM |
| BayShell | $31.87 | $31.87 | 9/29/2009 6:00:31 PM |
| Rendely | $25.00 | $25.00 | 9/29/2009 7:39:06 PM |
| thebenjamins | $43.60 | $42.06 | 9/29/2009 9:41:49 PM |
| five-star-justice | $36.00 | $36.00 | 9/30/2009 7:15:14 AM |
| JerryB96 | $25.00 | $25.00 | 9/30/2009 11:25:00 AM |
| kermitdafrog | $25.00 | $25.00 | 9/30/2009 4:25:29 PM |
| nashibaksi | $25.00 | $25.00 | 9/30/2009 6:23:31 PM |
| gothampark | $25.00 | $25.00 | 9/30/2009 6:29:37 PM |
| csak13 | $50.00 | $50.00 | 9/30/2009 7:08:09 PM |
| CashBank | $25.00 | $25.00 | 9/30/2009 10:27:26 PM |
| fatboy888 | $25.00 | $25.00 | 10/1/2009 5:46:30 AM |
| Leshan | $50.00 | $50.00 | 10/1/2009 9:22:23 AM |
| Dskillz | $25.00 | $25.00 | 10/1/2009 7:26:47 AM |
| suburbanman64 | $50.00 | $50.00 | 10/1/2009 8:07:38 AM |
| bowl800 | $25.00 | $25.00 | 10/1/2009 10:12:33 AM |
| megich06 | $50.00 | $50.00 | 10/1/2009 1:41:32 PM |
| the-profit-oracle | $32.28 | $32.28 | 10/1/2009 2:42:28 PM |
| njmlaj726 | $25.00 | $25.00 | 10/1/2009 2:57:11 PM |
| mehlp2 | $26.70 | $26.70 | 10/1/2009 3:41:42 PM |
| jybank | $50.00 | $50.00 | 10/1/2009 3:47:47 PM |
| scrabbler | $25.00 | $25.00 | 10/1/2009 4:02:05 PM |
| momentous-transaction8 | $50.00 | $50.00 | 10/1/2009 4:08:27 PM |
| Prossper-Godfather | $100.00 | $100.00 | 10/1/2009 4:24:10 PM |
| fulfilling-commitment | $200.00 | $200.00 | 10/1/2009 4:32:37 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/1/2009 4:33:29 PM |
| 186 bids
|
Borrower Payment Dependent Notes Series
425056
This series of Notes was issued and sold upon the funding of the borrower loan #38854, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Sep-18-2009 |
| |
Auction end date:
| Oct-02-2009 |
|
|
Starting lender yield:
| 10.33% |
Starting borrower rate/APR:
| 11.33% / 13.45% |
Starting monthly payment:
| $131.58 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $129.63 |
| |
|
Auction yield range:
| 4.27% - 10.33% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.17% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Mar-1986 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 780-800 (Aug-2009) |
Current / open credit lines:
| 14
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 48 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,963 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 40% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| john08 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards
My financial situation:
I am a good candidate for this loan because?I am very responsible and have never been late on payments.
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:
Hey john08-- could you describe the current rates and balances you are paying on the credit cards you are looking to clear up? Thanks and best of luck with your listing. - bondhedger
A:
Sure, Cabela's is $2500 @ 13.99%,Walmart is $850 @ 15.87% Kohls $250 @ 12% and Lowes $175 @ 13%. I will be canceling the Cabela's and Walmart cards as soon as paid off. Thanks.
(Sep-30-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Cherrypicker06 | $25.00 | $25.00 | 9/18/2009 4:38:10 PM |
| DukSerduk | $25.00 | $25.00 | 9/18/2009 4:38:23 PM |
| Kame | $25.00 | $25.00 | 9/18/2009 4:39:48 PM |
| Cai8899 | $25.00 | $25.00 | 9/18/2009 4:37:58 PM |
| kinetic-diversification | $50.00 | $50.00 | 9/18/2009 4:42:11 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/18/2009 4:39:09 PM |
| uncleegg | $25.00 | $25.00 | 9/18/2009 4:45:03 PM |
| sas19 | $25.00 | $25.00 | 9/18/2009 4:41:51 PM |
| elasermd | $50.00 | $50.00 | 9/18/2009 4:39:17 PM |
| lagnisiruk | $25.00 | $25.00 | 9/18/2009 4:47:35 PM |
| snowman34 | $25.00 | $25.00 | 9/18/2009 4:43:59 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/18/2009 4:45:59 PM |
| turbospeed | $25.00 | $25.00 | 9/18/2009 4:46:34 PM |
| crenen139 | $25.00 | $25.00 | 9/18/2009 4:46:53 PM |
| SNH | $50.00 | $50.00 | 9/18/2009 4:50:20 PM |
| Viamin | $25.00 | $25.00 | 9/20/2009 1:22:55 AM |
| MidnightBank | $25.00 | $25.00 | 9/20/2009 6:27:12 AM |
| BlindProphet | $25.00 | $25.00 | 9/20/2009 8:32:25 PM |
| gracej | $25.00 | $25.00 | 9/20/2009 7:42:13 PM |
| chief_wo | $25.00 | $25.00 | 9/21/2009 11:04:10 AM |
| visionary-currency | $100.00 | $100.00 | 9/22/2009 7:52:17 AM |
| Halos2002 | $50.00 | $50.00 | 9/22/2009 10:37:34 AM |
| dime-violin | $25.00 | $25.00 | 9/23/2009 9:33:38 AM |
| fortytwo | $200.00 | $37.66 | 9/23/2009 9:36:07 AM |
| hellasow | $25.00 | $25.00 | 9/24/2009 9:57:42 PM |
| bid-wonder | $25.00 | $25.00 | 9/25/2009 12:11:56 AM |
| marwadi-62 | $100.00 | $100.00 | 9/25/2009 5:37:22 AM |
| RandyL3 | $25.00 | $25.00 | 9/25/2009 5:19:18 PM |
| usedtoborrow | $100.00 | $100.00 | 9/28/2009 3:23:07 PM |
| F_r_e_d_s__B_a_n_k | $50.00 | $50.00 | 9/28/2009 11:09:48 PM |
| wwwUniversal | $25.00 | $25.00 | 9/29/2009 12:56:41 PM |
| lizphan1 | $25.00 | $25.00 | 9/29/2009 8:18:31 PM |
| StarFundingSource | $25.00 | $25.00 | 9/30/2009 10:02:27 AM |
| cash-widget | $25.00 | $25.00 | 9/30/2009 6:28:31 PM |
| Astyanax | $25.00 | $25.00 | 10/1/2009 1:55:16 PM |
| SOP_Bank | $25.00 | $25.00 | 10/1/2009 4:05:59 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/1/2009 4:46:32 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/1/2009 4:47:28 PM |
| bondhedger | $25.00 | $25.00 | 10/1/2009 9:55:35 PM |
| payout-magician | $50.00 | $50.00 | 10/1/2009 10:02:57 PM |
| Mikale360 | $25.00 | $25.00 | 10/2/2009 8:34:15 AM |
| eldorado71 | $25.00 | $25.00 | 10/2/2009 10:38:14 AM |
| wealth-comet694 | $25.00 | $25.00 | 10/2/2009 10:40:32 AM |
| OGS_Capital | $25.00 | $25.00 | 10/2/2009 11:15:51 AM |
| Mack_Inv | $25.00 | $25.00 | 10/2/2009 3:30:21 PM |
| kf88 | $35.00 | $35.00 | 10/2/2009 1:07:41 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 10/2/2009 2:52:01 PM |
| RealtorChemist | $50.00 | $50.00 | 10/2/2009 3:08:37 PM |
| gilbrear | $25.00 | $25.00 | 10/2/2009 4:17:49 PM |
| Richmp412 | $27.34 | $27.34 | 10/2/2009 3:52:16 PM |
| skuba | $50.00 | $50.00 | 9/18/2009 4:38:29 PM |
| gold-tsunami | $25.00 | $25.00 | 9/18/2009 4:40:04 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/18/2009 4:40:17 PM |
| compoundinterest | $50.00 | $50.00 | 9/18/2009 4:42:01 PM |
| bchen78875 | $50.00 | $50.00 | 9/18/2009 4:38:48 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/18/2009 4:39:27 PM |
| Weaverville | $25.00 | $25.00 | 9/18/2009 4:48:58 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/18/2009 4:45:50 PM |
| gold-cluster | $25.00 | $25.00 | 9/18/2009 4:47:19 PM |
| Barak | $80.00 | $80.00 | 9/18/2009 4:47:07 PM |
| j48 | $25.00 | $25.00 | 9/18/2009 4:50:25 PM |
| meux99 | $25.00 | $25.00 | 9/18/2009 5:05:00 PM |
| Finspons | $35.00 | $35.00 | 9/19/2009 8:31:31 AM |
| flexiboy35 | $25.00 | $25.00 | 9/19/2009 3:17:59 PM |
| degster | $25.00 | $25.00 | 9/19/2009 3:27:44 PM |
| Sid-K | $50.00 | $50.00 | 9/19/2009 3:42:51 PM |
| anton | $50.00 | $50.00 | 9/19/2009 6:32:49 PM |
| kid8549 | $25.00 | $25.00 | 9/20/2009 9:22:48 AM |
| Syzygy | $25.00 | $25.00 | 9/20/2009 12:28:27 PM |
| pawsitive | $25.00 | $25.00 | 9/20/2009 2:02:21 PM |
| buckyhead2000 | $25.00 | $25.00 | 9/21/2009 11:52:02 AM |
| GatorBait | $25.00 | $25.00 | 9/22/2009 9:50:42 AM |
| djh47a | $40.00 | $40.00 | 9/22/2009 9:34:41 AM |
| kegs | $100.00 | $100.00 | 9/22/2009 10:34:08 AM |
| tuffshorty | $50.00 | $50.00 | 9/22/2009 9:33:08 AM |
| turbine5 | $40.00 | $40.00 | 9/22/2009 10:25:48 AM |
| larrybird | $95.00 | $95.00 | 9/22/2009 10:54:10 AM |
| don8ter | $60.00 | $60.00 | 9/22/2009 1:33:55 PM |
| testobsessed | $100.00 | $100.00 | 9/22/2009 1:26:19 PM |
| Banker7371 | $25.00 | $25.00 | 9/22/2009 4:12:24 PM |
| transparency-giant | $50.00 | $50.00 | 9/23/2009 8:12:24 AM |
| rce1964 | $25.00 | $25.00 | 9/25/2009 9:27:12 AM |
| loanman2007 | $75.00 | $75.00 | 9/26/2009 10:10:28 AM |
| jybank | $25.00 | $25.00 | 9/28/2009 5:01:30 PM |
| zento | $25.00 | $25.00 | 9/28/2009 11:08:21 PM |
| generous-deal6 | $50.00 | $50.00 | 9/30/2009 12:40:04 AM |
| truth-silo | $100.00 | $100.00 | 10/1/2009 4:38:42 PM |
| TBCapitol | $50.00 | $50.00 | 10/2/2009 5:30:42 AM |
| credit-coach118 | $25.00 | $25.00 | 10/2/2009 8:56:18 AM |
| MoneyForNothing | $25.00 | $25.00 | 10/2/2009 6:50:23 AM |
| atlas100 | $50.00 | $50.00 | 10/2/2009 10:18:39 AM |
| Digs | $25.00 | $25.00 | 10/2/2009 10:29:57 AM |
| Spkthewrd3 | $25.00 | $25.00 | 10/2/2009 12:32:56 PM |
| martymaniaman | $25.00 | $25.00 | 10/2/2009 11:16:38 AM |
| dorypro | $25.00 | $25.00 | 10/2/2009 1:30:23 PM |
| NewYorker48 | $50.00 | $50.00 | 10/2/2009 3:01:31 PM |
| jimmya | $25.00 | $25.00 | 10/2/2009 3:39:32 PM |
| balance-chestnut | $25.00 | $25.00 | 10/2/2009 3:45:53 PM |
| drummerdad | $25.00 | $25.00 | 10/2/2009 1:40:32 PM |
| Memphis-King | $25.00 | $25.00 | 10/2/2009 3:28:01 PM |
| biffmush | $250.00 | $250.00 | 10/2/2009 4:19:00 PM |
| 101 bids
|
Borrower Payment Dependent Notes Series
425404
This series of Notes was issued and sold upon the funding of the borrower loan #38829, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Sep-21-2009 |
| |
Auction end date:
| Oct-01-2009 |
|
|
Starting lender yield:
| 11.33% |
Starting borrower rate/APR:
| 12.33% / 14.47% |
Starting monthly payment:
| $200.23 |
|
Final lender yield:
| 10.00% |
Final borrower rate/APR:
| 11.00% / 13.12% |
Final monthly payment:
| $196.43 |
| |
|
Auction yield range:
| 4.27% - 11.33% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 760-780 (Sep-2009) |
Current / open credit lines:
| 11
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,593 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 31% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| MCTM77 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Finally paying of my credit card
Purpose of loan:
This loan will be used to pay off my credit card debt.? I ran up my credit cards while?I was attending?school.? I was working part-time and paying a large portion of my tuition as well as my?living expenses and I became a little too dependent on the credit cards to cover the basics.?? I have stopped using the cards and have been working hard for the last 3 years to pay it off completely but the monthly payments are high and it has been a struggle.?? I am hoping to get a loan here in order to pay off the final balance and be free of the credit card monster that has been over-shadowing my life for far too long.
My financial situation:
I am a good candidate for this loan because I am employed and have a steady income that will allow me to make the monthly payments for the life of the loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DukSerduk | $25.00 | $25.00 | 9/21/2009 4:15:06 PM |
| elasermd | $50.00 | $50.00 | 9/21/2009 4:15:45 PM |
| Kame | $25.00 | $25.00 | 9/21/2009 4:16:11 PM |
| skuba | $50.00 | $50.00 | 9/21/2009 4:15:13 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/21/2009 4:15:33 PM |
| turbospeed | $25.00 | $25.00 | 9/21/2009 4:22:41 PM |
| crenen139 | $25.00 | $25.00 | 9/21/2009 4:23:10 PM |
| snowman34 | $25.00 | $25.00 | 9/21/2009 4:20:08 PM |
| SNH | $50.00 | $50.00 | 9/21/2009 4:25:29 PM |
| sas19 | $25.00 | $25.00 | 9/21/2009 4:18:20 PM |
| kinetic-diversification | $50.00 | $50.00 | 9/21/2009 4:19:05 PM |
| kid8549 | $25.00 | $25.00 | 9/21/2009 4:30:03 PM |
| Barak | $80.00 | $80.00 | 9/21/2009 4:23:43 PM |
| degster | $25.00 | $25.00 | 9/21/2009 4:28:50 PM |
| baroo | $25.00 | $25.00 | 9/21/2009 4:40:43 PM |
| kegs | $100.00 | $100.00 | 9/22/2009 10:34:18 AM |
| anton | $50.00 | $50.00 | 9/22/2009 1:01:55 PM |
| Banker7371 | $25.00 | $25.00 | 9/22/2009 4:12:39 PM |
| Finspons | $63.97 | $63.97 | 9/22/2009 3:57:53 PM |
| lagnisiruk | $25.00 | $25.00 | 9/23/2009 7:32:29 AM |
| transparency-giant | $50.00 | $50.00 | 9/23/2009 8:12:31 AM |
| fortytwo | $200.00 | $200.00 | 9/23/2009 9:36:19 AM |
| silver-allotment | $25.00 | $25.00 | 9/23/2009 11:42:09 AM |
| Dazz2061 | $25.00 | $25.00 | 9/23/2009 4:52:23 PM |
| jga516 | $25.00 | $25.00 | 9/23/2009 7:12:23 PM |
| inventive-funds | $25.00 | $25.00 | 9/24/2009 9:33:48 AM |
| kenyonhillbilly | $25.00 | $25.00 | 9/24/2009 11:06:20 AM |
| MidnightBank | $25.00 | $25.00 | 9/24/2009 11:06:18 AM |
| justice-dna | $25.00 | $25.00 | 9/24/2009 3:50:03 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/24/2009 3:54:34 PM |
| Havana21 | $25.00 | $25.00 | 9/24/2009 10:47:10 PM |
| Brown98 | $25.00 | $25.00 | 9/25/2009 12:07:36 AM |
| Havana21 | $500.00 | $500.00 | 9/24/2009 11:12:11 PM |
| Sid-K | $50.00 | $50.00 | 9/25/2009 6:47:34 AM |
| stonesculptor | $50.00 | $50.00 | 9/25/2009 9:14:33 AM |
| zone6 | $25.00 | $25.00 | 9/25/2009 9:33:47 AM |
| radiant-cash | $100.00 | $100.00 | 9/25/2009 9:40:07 AM |
| platinum-sorcerer6 | $25.00 | $25.00 | 9/25/2009 9:34:51 AM |
| rce1964 | $25.00 | $25.00 | 9/25/2009 12:03:17 PM |
| testobsessed | $28.07 | $28.07 | 9/25/2009 2:41:08 PM |
| inventive-wealth2 | $25.00 | $25.00 | 9/25/2009 2:58:16 PM |
| payontime1 | $50.00 | $50.00 | 9/25/2009 6:18:01 PM |
| cowboyskier | $37.60 | $37.60 | 9/26/2009 5:53:50 AM |
| Gibbyland | $50.00 | $50.00 | 9/26/2009 9:32:05 PM |
| cjames84 | $25.00 | $25.00 | 9/27/2009 4:02:56 AM |
| credit-investor5 | $31.85 | $31.85 | 9/27/2009 4:05:20 AM |
| Cheburashka | $25.00 | $25.00 | 9/27/2009 6:02:18 AM |
| visionary-currency | $25.00 | $25.00 | 9/27/2009 8:53:43 PM |
| InvestorPartners | $25.00 | $25.00 | 9/28/2009 1:07:13 AM |
| djc314 | $25.00 | $25.00 | 9/27/2009 11:23:59 AM |
| bdloans | $50.00 | $50.00 | 9/28/2009 9:42:16 AM |
| power-collider | $25.00 | $25.00 | 9/28/2009 11:47:42 AM |
| czar3 | $25.00 | $25.00 | 9/28/2009 9:34:15 AM |
| gold-cluster | $25.00 | $25.00 | 9/28/2009 10:53:55 AM |
| busybee007 | $25.00 | $25.00 | 9/28/2009 12:44:29 PM |
| adir1 | $50.00 | $50.00 | 9/28/2009 1:23:24 PM |
| bondhedger | $25.00 | $25.00 | 9/29/2009 6:08:44 AM |
| MONEYLENDER101 | $100.00 | $100.00 | 9/29/2009 6:27:21 AM |
| orange-resolute-platinum | $25.00 | $25.00 | 9/28/2009 11:02:31 PM |
| Patrician | $42.56 | $42.56 | 9/29/2009 10:26:52 AM |
| Rockymtnhi | $53.55 | $53.55 | 9/29/2009 11:17:20 AM |
| jct_enterprises | $25.00 | $25.00 | 9/29/2009 3:12:33 PM |
| jeffc92 | $30.59 | $30.59 | 9/29/2009 3:44:47 PM |
| LoanDMC | $25.00 | $25.00 | 9/29/2009 4:32:51 PM |
| tuffshorty | $50.00 | $50.00 | 9/29/2009 7:29:42 PM |
| Kelor99 | $25.00 | $25.00 | 9/29/2009 8:36:51 PM |
| bayareainv | $26.18 | $26.18 | 9/29/2009 6:38:31 PM |
| credit-coach118 | $25.00 | $25.00 | 9/29/2009 7:40:08 PM |
| loanman2007 | $100.00 | $100.00 | 9/30/2009 7:14:51 AM |
| a-responsible-return | $25.00 | $25.00 | 9/30/2009 9:35:05 AM |
| slartibardfast | $30.00 | $30.00 | 9/30/2009 9:36:48 AM |
| Rustang | $50.00 | $50.00 | 9/30/2009 10:33:48 AM |
| MGOT-Ken | $25.00 | $25.00 | 9/30/2009 2:16:23 PM |
| uncleegg | $25.00 | $25.00 | 9/30/2009 3:54:33 PM |
| kmwvma | $25.00 | $25.00 | 10/1/2009 3:45:30 AM |
| CPAMAN | $25.00 | $25.00 | 10/1/2009 6:39:27 AM |
| triumphant-community | $25.00 | $25.00 | 10/1/2009 11:04:49 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/1/2009 12:42:26 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/21/2009 4:16:05 PM |
| gold-tsunami | $25.00 | $25.00 | 9/21/2009 4:16:18 PM |
| compoundinterest | $50.00 | $50.00 | 9/21/2009 4:18:42 PM |
| bchen78875 | $50.00 | $50.00 | 9/21/2009 4:15:24 PM |
| Weaverville | $25.00 | $25.00 | 9/21/2009 4:25:06 PM |
| meux99 | $25.00 | $25.00 | 9/21/2009 4:27:05 PM |
| j48 | $25.00 | $25.00 | 9/21/2009 4:25:38 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/21/2009 4:22:08 PM |
| pawsitive | $25.00 | $25.00 | 9/21/2009 4:31:25 PM |
| BlindProphet | $25.00 | $25.00 | 9/21/2009 4:32:22 PM |
| gracej | $25.00 | $25.00 | 9/21/2009 4:31:56 PM |
| Finspons | $31.99 | $31.99 | 9/21/2009 10:30:04 PM |
| WillingToHelpOut | $25.00 | $25.00 | 9/22/2009 6:13:52 AM |
| GatorBait | $25.00 | $25.00 | 9/22/2009 9:50:57 AM |
| djh47a | $40.00 | $40.00 | 9/22/2009 9:34:53 AM |
| Syzygy | $25.00 | $25.00 | 9/22/2009 11:18:11 AM |
| larrybird | $95.00 | $95.00 | 9/22/2009 10:54:22 AM |
| turbine5 | $40.00 | $40.00 | 9/22/2009 1:24:37 PM |
| Cherrypicker06 | $25.00 | $25.00 | 9/22/2009 11:47:20 PM |
| dime-violin | $25.00 | $25.00 | 9/23/2009 9:33:52 AM |
| Cai8899 | $25.00 | $25.00 | 9/23/2009 7:32:28 AM |
| buckyhead2000 | $25.00 | $25.00 | 9/23/2009 11:42:02 AM |
| wjf60 | $25.00 | $25.00 | 9/23/2009 10:07:15 PM |
| chief_wo | $25.00 | $25.00 | 9/24/2009 6:17:37 AM |
| don8ter | $60.00 | $60.00 | 9/24/2009 6:31:02 AM |
| checkers38 | $50.00 | $50.00 | 9/24/2009 11:54:07 AM |
| Raven39 | $25.00 | $25.00 | 9/24/2009 12:51:10 PM |
| icon7 | $25.00 | $25.00 | 9/24/2009 10:41:31 AM |
| TheMan | $25.00 | $25.00 | 9/24/2009 10:58:24 AM |
| KwikLoan | $25.00 | $25.00 | 9/24/2009 7:03:42 PM |
| hawker | $100.00 | $100.00 | 9/25/2009 5:12:23 AM |
| generous-deal6 | $25.00 | $25.00 | 9/25/2009 10:52:48 AM |
| aganippe | $50.00 | $50.00 | 9/25/2009 12:15:09 PM |
| martinatime | $25.00 | $25.00 | 9/26/2009 9:17:12 AM |
| jdnyc | $25.00 | $25.00 | 9/27/2009 4:48:45 PM |
| thedreamer | $25.00 | $25.00 | 9/28/2009 1:04:06 AM |
| KiwiElf | $30.00 | $30.00 | 9/28/2009 10:38:03 AM |
| income-crescendo1 | $25.00 | $25.00 | 9/28/2009 9:36:00 AM |
| market-assembler | $50.00 | $50.00 | 9/28/2009 1:59:29 PM |
| minista | $25.00 | $25.00 | 9/28/2009 1:02:38 PM |
| dealarella | $25.00 | $25.00 | 9/28/2009 9:27:08 PM |
| buffalobills | $25.00 | $25.00 | 9/28/2009 10:14:41 PM |
| zento | $25.00 | $25.00 | 9/28/2009 11:08:22 PM |
| SOP_Bank | $25.00 | $25.00 | 9/28/2009 5:49:11 PM |
| killdare | $25.00 | $25.00 | 9/29/2009 6:07:15 AM |
| radiant-fund | $25.00 | $25.00 | 9/29/2009 11:14:12 AM |
| GhaChr | $25.00 | $25.00 | 9/29/2009 10:46:32 AM |
| julijask | $25.00 | $25.00 | 9/29/2009 10:07:17 AM |
| Halos2002 | $50.00 | $50.00 | 9/29/2009 10:14:01 AM |
| MissionMicroFinance | $34.48 | $34.48 | 9/29/2009 12:21:20 PM |
| Viamin | $25.00 | $25.00 | 9/29/2009 4:41:54 PM |
| peb44 | $79.31 | $79.31 | 9/29/2009 4:44:34 PM |
| flexiboy35 | $25.00 | $25.00 | 9/29/2009 6:00:04 PM |
| charitycoon | $300.00 | $288.89 | 9/30/2009 12:26:20 AM |
| myidear | $25.96 | $25.96 | 9/30/2009 2:32:31 AM |
| fangpilot | $25.00 | $25.00 | 9/30/2009 9:57:40 AM |
| gauss02 | $25.00 | $25.00 | 9/30/2009 10:23:46 AM |
| LendDoc | $25.00 | $25.00 | 9/30/2009 10:34:12 AM |
| interstellar | $50.00 | $50.00 | 9/30/2009 10:55:03 AM |
| Jassi | $25.00 | $25.00 | 9/30/2009 1:54:37 PM |
| bowdish1 | $50.00 | $50.00 | 9/30/2009 2:16:32 PM |
| point-zebra | $25.00 | $25.00 | 9/30/2009 8:15:37 PM |
| FarBeyondDriven | $25.00 | $25.00 | 9/30/2009 7:39:37 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 10/1/2009 5:40:19 AM |
| trade-watcher | $25.00 | $25.00 | 10/1/2009 6:09:35 AM |
| SASBANK | $25.00 | $25.00 | 10/1/2009 9:34:44 AM |
| jybank | $25.00 | $25.00 | 10/1/2009 9:55:01 AM |
| rmachi | $25.00 | $25.00 | 10/1/2009 10:34:31 AM |
| axelducheck | $25.00 | $25.00 | 10/1/2009 12:05:00 PM |
| jt88 | $25.00 | $25.00 | 10/1/2009 11:21:15 AM |
| 148 bids
|
Borrower Payment Dependent Notes Series
425518
This series of Notes was issued and sold upon the funding of the borrower loan #38851, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Sep-22-2009 |
| |
Auction end date:
| Oct-06-2009 |
|
|
Starting lender yield:
| 9.01% |
Starting borrower rate/APR:
| 10.01% / 10.35% |
Starting monthly payment:
| $96.82 |
|
Final lender yield:
| 6.10% |
Final borrower rate/APR:
| 7.10% / 7.44% |
Final monthly payment:
| $92.77 |
| |
|
Auction yield range:
| 3.27% - 9.01% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Apr-1992 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 780-800 (Sep-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 17y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,489 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 22% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| GameVoid |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 100% )
| 780-800 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(Mar-2007)
|
|
Principal balance:
| $384.09 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
Restoring and upgrading room
Purpose of loan:
A few years ago the water heater in my laundry room burst and did some damage to the flooring, making it loose and it appears to be further disintegrating over time. Part of the funds will be used to repair the flooring and put down some new vinyl tile in that room. The actual repairs will have to be done by a contractor as I am "that guy" who will just do more damage if I try to repair it myself.
In addition there is a water softener in that same room. I will be having that removed and replaced with a whole house filtration system. If there are any funds left over after that has been completed then I will be using it to upgrade the dryer (the washer is still in great shape).
I want to get these repairs and improvements made to keep my house market ready, although I have NO intention of selling unless some sort of disaster strikes.
My financial situation:
My income is approximately $60,000 a year.
I have student loans totalling about $8000 that I won't have to start making payments on for a few years (though I have already started paying it down in bits and pieces).
I have a Bank of America credit card (formerly Citibank) that has about $2500 on it with another $5000 available. I don't want to use a credit card to finance my repairs, even if the rate is relatively low (12.9%).
I have a car payment of $285 / month with a balance of about $9000.
I have a house payment of approx $725 / month (including insurance, PMI, etc).
No other revolving debts or obligations other than utilities/satellite TV/internet/cell phone etc.
I am a single father with 2 beautiful daughters who I support wholly.
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) |
|
| F_r_e_d_s__B_a_n_k | $55.55 | $55.55 | 9/22/2009 5:03:13 PM |
| The-Lighthouse-Group | $50.00 | $50.00 | 9/23/2009 6:55:41 AM |
| ujiba | $25.00 | $25.00 | 9/24/2009 6:16:32 AM |
| marwadi-62 | $300.00 | $300.00 | 9/25/2009 5:35:26 AM |
| JDLanier | $25.00 | $25.00 | 9/25/2009 9:41:55 PM |
| Wildcat23 | $50.00 | $50.00 | 9/27/2009 5:03:43 PM |
| market-assembler | $50.00 | $50.00 | 9/28/2009 1:59:22 PM |
| NoNameLender | $50.00 | $50.00 | 9/30/2009 9:51:54 AM |
| sgmm330 | $25.00 | $25.00 | 9/30/2009 6:46:56 PM |
| WILender2 | $50.00 | $50.00 | 10/1/2009 10:19:29 AM |
| beachfunder | $25.00 | $25.00 | 10/1/2009 4:38:07 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/2/2009 12:06:14 PM |
| HappyToLoan | $25.00 | $25.00 | 10/2/2009 5:34:23 PM |
| Heater36 | $25.00 | $25.00 | 10/2/2009 6:05:21 PM |
| junes08 | $50.00 | $50.00 | 10/2/2009 10:25:02 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 10/2/2009 11:16:20 PM |
| loanshark62 | $30.00 | $30.00 | 10/3/2009 4:21:23 PM |
| buckyhead2000 | $25.00 | $25.00 | 10/3/2009 5:03:23 PM |
| NoNameLender | $36.59 | $36.59 | 10/3/2009 2:10:18 PM |
| swissbanker | $50.00 | $50.00 | 10/4/2009 9:22:30 PM |
| loanman2007 | $50.00 | $50.00 | 10/4/2009 5:54:46 PM |
| jrlvnv | $25.00 | $25.00 | 10/4/2009 9:38:56 PM |
| rmpedi33 | $50.00 | $50.00 | 10/5/2009 8:19:44 AM |
| CollinsCrew | $100.00 | $100.00 | 10/5/2009 10:53:21 AM |
| julijask | $25.00 | $25.00 | 10/5/2009 9:21:23 PM |
| jmainc | $25.00 | $25.00 | 10/6/2009 6:16:22 AM |
| Gandalf0001 | $25.00 | $25.00 | 10/6/2009 2:48:18 AM |
| Halos2002 | $50.00 | $50.00 | 10/6/2009 8:21:33 AM |
| lizphan1 | $25.00 | $25.00 | 10/5/2009 10:32:30 PM |
| springpanda | $50.00 | $50.00 | 10/5/2009 11:06:32 PM |
| sunnysally | $25.00 | $25.00 | 10/6/2009 10:13:55 AM |
| financebob | $50.00 | $50.00 | 10/6/2009 5:57:41 AM |
| bansir | $25.00 | $25.00 | 10/6/2009 1:44:22 PM |
| Astyanax | $50.00 | $50.00 | 10/6/2009 1:48:19 PM |
| Digs | $25.00 | $25.00 | 10/6/2009 9:32:31 AM |
| sorace | $50.00 | $50.00 | 10/6/2009 2:11:03 PM |
| credit-launcher773 | $33.00 | $33.00 | 10/6/2009 3:45:16 PM |
| kf88 | $50.00 | $50.00 | 10/6/2009 4:38:11 PM |
| Student_Capital | $50.00 | $50.00 | 9/22/2009 11:59:53 PM |
| blot44 | $50.00 | $50.00 | 9/22/2009 6:31:26 PM |
| SchaeferJ | $25.00 | $25.00 | 9/23/2009 10:48:48 AM |
| LittleMingo | $25.00 | $25.00 | 9/23/2009 1:41:52 PM |
| BlessedEveryDay | $50.00 | $50.00 | 9/25/2009 8:57:25 AM |
| generous-deal6 | $100.00 | $100.00 | 9/25/2009 10:58:55 PM |
| plbquic | $25.00 | $25.00 | 9/26/2009 7:07:53 PM |
| hellasow | $30.00 | $30.00 | 9/26/2009 7:03:33 PM |
| McChan | $100.00 | $100.00 | 9/28/2009 9:32:58 PM |
| JoeXB | $50.00 | $50.00 | 9/29/2009 9:06:48 PM |
| Pickmar | $25.00 | $25.00 | 9/30/2009 11:23:32 AM |
| JCPlending | $25.00 | $25.00 | 10/1/2009 10:21:48 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/1/2009 12:51:41 PM |
| axelducheck | $25.00 | $25.00 | 10/1/2009 4:30:03 PM |
| FundMaker | $25.00 | $25.00 | 10/1/2009 7:31:28 PM |
| worth-matador | $25.00 | $25.00 | 10/3/2009 11:44:38 AM |
| Pickmar | $25.00 | $25.00 | 10/3/2009 1:10:47 PM |
| LittleMingo | $25.00 | $25.00 | 10/3/2009 8:06:34 PM |
| John_14_6 | $25.00 | $25.00 | 10/4/2009 6:12:06 PM |
| billnsc | $50.00 | $50.00 | 10/4/2009 1:49:28 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/4/2009 9:31:06 PM |
| wwwUniversal | $25.00 | $12.86 | 10/5/2009 4:26:28 PM |
| jybank | $25.00 | $25.00 | 10/5/2009 11:22:08 PM |
| rpd1211 | $25.00 | $25.00 | 10/5/2009 8:13:49 PM |
| Blind_Pig | $27.00 | $27.00 | 10/6/2009 9:50:47 AM |
| octoberfresh | $25.00 | $25.00 | 10/6/2009 7:07:59 AM |
| mu50stang | $25.00 | $25.00 | 10/6/2009 11:39:16 AM |
| visionary-currency | $200.00 | $200.00 | 10/6/2009 2:56:01 PM |
| HealthAndSafety | $100.00 | $100.00 | 10/6/2009 4:07:01 PM |
| indomart | $25.00 | $25.00 | 10/6/2009 4:37:14 PM |
| 68 bids
|
Borrower Payment Dependent Notes Series
421439
This series of Notes was issued and sold upon the funding of the borrower loan #38882, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Sep-16-2009 |
| |
Auction end date:
| Sep-30-2009 |
|
|
Starting lender yield:
| 11.33% |
Starting borrower rate/APR:
| 12.33% / 14.47% |
Starting monthly payment:
| $216.92 |
|
Final lender yield:
| 9.30% |
Final borrower rate/APR:
| 10.30% / 12.41% |
Final monthly payment:
| $210.65 |
| |
|
Auction yield range:
| 4.27% - 11.33% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.17% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 700-720 (Aug-2009) |
Current / open credit lines:
| 8
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,255 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 53% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| master_eng |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $6,001.00 | < mo. late:
| 0
( 0% )
| 600-620
(Feb-2008)
|
|
Principal balance:
| $3,362.06 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Second Prosper Loan...Thank You
I am an honest, loyal, and hard-working individual. I take care of
myself as well as help to take care of my two children (ages five and nine) and
things have greatly improved, but are still difficult for me. A year
and a half ago, I received a fully-funded loan from the Prosper
community. With that money, I was able to begin the difficult struggle of
getting out of debt. Unfortunately, a few months ago, my vehicle died
and I was forced to find another one. I found a reasonably priced vehicle and was able to get a loan
from my local bank.
I am a good candidate for this loan because, I always pay my bills
on time, including my current Prosper loan, and I have no delinquents. While I
still have credit cards, I haven?t used them in over three years. I pay all
of my monthly bills on time in an effort to lower my debt and improve my credit
and can already see significant changes. I have a
steady job in which I hold a supervisory position. ?
I have joined Prosper as a borrower, but I
would like to help the Prosper community and hope to become a Prosper lender in
the future. The purpose of this loan is to allow me to pay off my existing
Prosper loan and a loan I recently took from my local bank in order to have a
method of transportation to/from work. It is my first priority to eliminate all
pre-existing loans and lingering debt so that taking care of myself and my
children will be much easier. Please help me achieve my goals so that I can
live my dream of being debt free. If you have any questions, please don?t
hesitate to contact me.?
Monthly net income: $ 3,100
Monthly expenses:
Child Support: $1700.00
Housing: $ 500.00
Insurance: $ 137.00? Phone, cable, internet: $ 105.00
Credit cards and other loans: $ 475.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hi,
Just wanted a quick clarification on your $475 credit cards and other loans line. Will this be replaced in part or entirely by this loan if it gets funded or will it be in addition to the $200 or so for this loan?
Thanks - thevisiblehand
A:
My current Prosper loan is $210 mo. I will be paying that off with this loan and this new loan will be around the same amount per month. So, the $475 will remain the same after this loan gets fully funded. Hope that answers your question.
(Sep-22-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| wwwUniversal | $25.00 | $25.00 | 9/16/2009 4:01:18 PM |
| don8ter | $60.00 | $60.00 | 9/16/2009 4:05:12 PM |
| gold-tsunami | $25.00 | $25.00 | 9/16/2009 4:07:10 PM |
| skuba | $50.00 | $50.00 | 9/16/2009 4:05:39 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/16/2009 4:06:50 PM |
| sas19 | $25.00 | $25.00 | 9/16/2009 4:08:46 PM |
| Syzygy | $25.00 | $25.00 | 9/17/2009 12:26:51 PM |
| payontime1 | $50.00 | $50.00 | 9/18/2009 8:54:09 PM |
| estancias | $25.00 | $25.00 | 9/19/2009 1:41:19 PM |
| PrinceValium | $25.00 | $25.00 | 9/19/2009 8:42:47 PM |
| Flacap | $50.00 | $50.00 | 9/19/2009 9:15:45 PM |
| omahajay | $40.00 | $40.00 | 9/22/2009 7:17:04 PM |
| loanman2007 | $50.00 | $50.00 | 9/23/2009 6:00:47 AM |
| sana66 | $25.00 | $25.00 | 9/23/2009 12:05:11 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/23/2009 4:00:07 PM |
| CommerciaLender | $25.00 | $25.00 | 9/24/2009 7:09:50 AM |
| interstellar | $44.46 | $44.46 | 9/24/2009 8:07:06 AM |
| paramjit | $70.79 | $70.79 | 9/24/2009 10:21:53 PM |
| BlessedEveryDay | $25.00 | $25.00 | 9/25/2009 8:58:30 AM |
| jybank | $25.00 | $25.00 | 9/25/2009 9:30:51 AM |
| StarFundingSource | $25.00 | $25.00 | 9/25/2009 11:33:50 AM |
| two_old_gals | $25.00 | $25.00 | 9/25/2009 2:04:23 PM |
| oldman1947 | $25.00 | $25.00 | 9/25/2009 12:26:26 PM |
| momentous-gold | $25.00 | $25.00 | 9/25/2009 1:57:11 PM |
| SCD | $25.00 | $25.00 | 9/25/2009 8:54:40 PM |
| generous-deal6 | $50.00 | $50.00 | 9/25/2009 10:33:38 PM |
| sflawya | $25.00 | $25.00 | 9/26/2009 6:02:10 PM |
| herman7 | $25.00 | $25.00 | 9/28/2009 5:48:30 AM |
| festeringsnot | $25.00 | $25.00 | 9/28/2009 1:44:57 AM |
| myidear | $25.00 | $25.00 | 9/28/2009 2:27:48 PM |
| aqaq8877 | $100.00 | $100.00 | 9/28/2009 3:12:59 PM |
| gilbrear | $25.00 | $25.00 | 9/28/2009 5:05:39 PM |
| gjm6d | $46.75 | $46.75 | 9/28/2009 5:03:33 PM |
| ORteacher | $50.00 | $50.00 | 9/28/2009 8:16:39 PM |
| Galdis | $25.00 | $25.00 | 9/28/2009 10:37:25 PM |
| grallu | $100.00 | $100.00 | 9/29/2009 6:03:47 AM |
| Astyanax | $25.00 | $25.00 | 9/28/2009 6:10:27 PM |
| JJ-Loans | $53.00 | $53.00 | 9/29/2009 6:07:11 AM |
| zento | $25.00 | $25.00 | 9/28/2009 11:08:19 PM |
| racing777 | $50.00 | $50.00 | 9/29/2009 4:25:47 AM |
| Gaelicman | $217.00 | $217.00 | 9/29/2009 12:15:30 PM |
| mobius_titan | $25.00 | $25.00 | 9/29/2009 12:36:41 PM |
| wild_carrot | $25.00 | $25.00 | 9/29/2009 2:18:17 PM |
| PhalanxBulldog | $25.00 | $25.00 | 9/29/2009 11:20:00 AM |
| credit-coach118 | $25.00 | $25.00 | 9/29/2009 3:44:56 PM |
| ptclender | $80.00 | $80.00 | 9/29/2009 1:30:39 PM |
| dreamhope | $25.00 | $25.00 | 9/29/2009 3:28:36 PM |
| mclean_loaner | $50.00 | $50.00 | 9/29/2009 4:32:04 PM |
| guardian3 | $25.00 | $25.00 | 9/29/2009 5:32:23 PM |
| mmczech76 | $50.00 | $50.00 | 9/29/2009 8:23:27 PM |
| hidavehi | $25.00 | $25.00 | 9/29/2009 4:50:52 PM |
| crdcteng | $25.00 | $25.00 | 9/29/2009 5:13:37 PM |
| innovator799 | $25.00 | $25.00 | 9/29/2009 6:51:27 PM |
| Russh | $25.00 | $25.00 | 9/29/2009 6:11:52 PM |
| Richmp412 | $25.00 | $25.00 | 9/29/2009 7:40:15 PM |
| drummerdad | $25.00 | $25.00 | 9/29/2009 8:34:35 PM |
| generous-deal6 | $50.00 | $50.00 | 9/30/2009 12:41:27 AM |
| crazybill | $28.60 | $28.60 | 9/30/2009 12:12:29 AM |
| eclicknsave | $50.00 | $50.00 | 9/30/2009 12:48:42 AM |
| Snoopylover | $25.00 | $25.00 | 9/30/2009 6:05:35 AM |
| MoneyForNothing | $50.00 | $50.00 | 9/30/2009 6:33:30 AM |
| dhallii | $50.00 | $50.00 | 9/30/2009 7:59:02 AM |
| PotBellyPete | $25.00 | $25.00 | 9/30/2009 9:09:58 AM |
| FallonCredit | $25.00 | $25.00 | 9/30/2009 9:23:21 AM |
| njmlaj726 | $25.00 | $25.00 | 9/30/2009 9:56:22 AM |
| martymaniaman | $25.00 | $25.00 | 9/30/2009 10:38:02 AM |
| nethawk00 | $25.00 | $25.00 | 9/30/2009 11:22:21 AM |
| gslinv | $30.00 | $30.00 | 9/30/2009 12:38:20 PM |
| LAKETIME | $25.00 | $25.00 | 9/30/2009 2:31:26 PM |
| hidavehi | $34.00 | $34.00 | 9/30/2009 3:51:24 PM |
| Bill88 | $25.00 | $25.00 | 9/30/2009 3:55:05 PM |
| Cherrypicker06 | $25.00 | $25.00 | 9/16/2009 4:05:07 PM |
| DukSerduk | $25.00 | $25.00 | 9/16/2009 4:05:33 PM |
| bchen78875 | $50.00 | $50.00 | 9/16/2009 4:05:45 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/16/2009 4:05:54 PM |
| testobsessed | $100.00 | $100.00 | 9/16/2009 4:06:01 PM |
| Halos2002 | $50.00 | $50.00 | 9/16/2009 4:07:41 PM |
| lagnisiruk | $25.00 | $25.00 | 9/16/2009 4:05:04 PM |
| honorable-yield | $50.00 | $50.00 | 9/16/2009 4:05:20 PM |
| Sid-K | $50.00 | $50.00 | 9/16/2009 4:05:26 PM |
| kinetic-diversification | $50.00 | $42.82 | 9/16/2009 4:09:14 PM |
| compoundinterest | $50.00 | $50.00 | 9/16/2009 4:09:02 PM |
| Cai8899 | $25.00 | $25.00 | 9/16/2009 4:04:55 PM |
| elasermd | $50.00 | $50.00 | 9/16/2009 4:06:18 PM |
| seasportsguy | $25.00 | $25.00 | 9/16/2009 4:06:36 PM |
| Kame | $25.00 | $25.00 | 9/16/2009 4:06:58 PM |
| personal-lender | $25.00 | $25.00 | 9/16/2009 4:07:02 PM |
| bid-papyrus | $50.00 | $50.00 | 9/17/2009 5:20:16 PM |
| crippledcircus | $50.00 | $50.00 | 9/19/2009 3:06:17 PM |
| five-star-justice | $36.00 | $36.00 | 9/21/2009 5:36:59 AM |
| zxr | $25.00 | $25.00 | 9/21/2009 8:22:56 AM |
| AUanything | $25.00 | $25.00 | 9/22/2009 11:35:34 AM |
| bondhedger | $25.00 | $25.00 | 9/22/2009 6:46:59 PM |
| HonestGame22 | $100.00 | $100.00 | 9/24/2009 5:03:49 AM |
| GS-ROCK | $25.00 | $25.00 | 9/23/2009 8:40:33 PM |
| rce1964 | $25.00 | $25.00 | 9/24/2009 10:27:22 AM |
| Student_Capital | $50.00 | $50.00 | 9/24/2009 2:27:34 PM |
| Aristocrat | $25.00 | $25.00 | 9/24/2009 3:12:50 PM |
| fantasysports | $25.00 | $25.00 | 9/25/2009 10:03:40 AM |
| RandyL3 | $50.00 | $50.00 | 9/25/2009 5:12:56 PM |
| clemclan | $25.00 | $25.00 | 9/25/2009 9:41:40 PM |
| plbquic | $25.00 | $25.00 | 9/26/2009 7:05:18 PM |
| Photoman42 | $50.00 | $50.00 | 9/26/2009 11:38:36 AM |
| maineman | $25.00 | $25.00 | 9/27/2009 3:21:01 AM |
| JerryB96 | $25.00 | $25.00 | 9/26/2009 9:29:33 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/28/2009 4:33:35 AM |
| mad4wknds | $25.00 | $25.00 | 9/27/2009 9:34:13 PM |
| terrific-dedication | $25.00 | $25.00 | 9/28/2009 10:04:43 AM |
| usedtoborrow | $100.00 | $100.00 | 9/28/2009 3:14:12 PM |
| SFBank | $250.00 | $250.00 | 9/28/2009 11:04:11 AM |
| Oak-Parker | $25.00 | $25.00 | 9/28/2009 9:33:22 PM |
| CheapDolo22 | $25.00 | $25.00 | 9/28/2009 9:38:39 PM |
| ultimatepaintball | $25.00 | $25.00 | 9/28/2009 9:57:14 PM |
| jetblack | $25.80 | $25.80 | 9/29/2009 1:06:53 AM |
| TheLoanManCan | $50.00 | $50.00 | 9/29/2009 6:47:33 AM |
| the-profit-oracle | $25.00 | $25.00 | 9/29/2009 12:21:08 PM |
| GreenTeaDrinkingGuy | $25.00 | $25.00 | 9/29/2009 12:41:02 PM |
| balance-chestnut | $25.00 | $25.00 | 9/29/2009 12:57:04 PM |
| Sven79 | $100.00 | $100.00 | 9/29/2009 9:48:38 AM |
| johnpmid | $50.00 | $50.00 | 9/29/2009 1:54:08 PM |
| p_amadeus | $522.71 | $522.71 | 9/29/2009 2:21:36 PM |
| member123 | $25.00 | $25.00 | 9/29/2009 1:01:50 PM |
| Marathoner | $25.00 | $25.00 | 9/29/2009 3:51:17 PM |
| duty-accomplishment | $30.00 | $30.00 | 9/29/2009 4:43:55 PM |
| admirable-credit | $25.00 | $25.00 | 9/29/2009 4:49:16 PM |
| AsianDragon | $35.00 | $35.00 | 9/29/2009 6:51:59 PM |
| mcabery | $125.00 | $125.00 | 9/29/2009 7:22:32 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/29/2009 9:25:12 PM |
| Prezotus | $25.00 | $25.00 | 9/29/2009 9:38:52 PM |
| Mission1 | $25.00 | $25.00 | 9/29/2009 9:44:05 PM |
| helynn43 | $25.00 | $25.00 | 9/30/2009 3:20:44 AM |
| paulsar71495 | $25.00 | $25.00 | 9/30/2009 6:04:47 AM |
| porwestco | $25.00 | $25.00 | 9/30/2009 6:23:03 AM |
| Marco83 | $26.31 | $26.31 | 9/30/2009 8:28:19 AM |
| NeketanBank | $50.00 | $50.00 | 9/30/2009 9:52:05 AM |
| skaught | $40.00 | $40.00 | 9/30/2009 10:17:49 AM |
| Aubrei | $25.00 | $25.00 | 9/30/2009 10:49:28 AM |
| dudebrah | $25.00 | $25.00 | 9/30/2009 11:39:31 AM |
| simiray | $25.00 | $25.00 | 9/30/2009 11:32:06 AM |
| visionary-currency | $100.00 | $100.00 | 9/30/2009 11:55:05 AM |
| Torero06 | $25.00 | $25.00 | 9/30/2009 11:57:27 AM |
| Chief3394 | $25.00 | $25.00 | 9/30/2009 12:21:59 PM |
| maga | $100.00 | $100.00 | 9/30/2009 12:42:50 PM |
| manuvns | $25.00 | $25.00 | 9/30/2009 12:45:23 PM |
| suicideducky | $50.00 | $50.00 | 9/30/2009 1:54:40 PM |
| rmpedi33 | $50.00 | $50.00 | 9/30/2009 1:42:19 PM |
| bbanc123 | $51.76 | $51.76 | 9/30/2009 2:20:53 PM |
| glazeddonuts | $25.00 | $25.00 | 9/30/2009 3:51:49 PM |
| Memphis-King | $60.00 | $60.00 | 9/30/2009 3:54:55 PM |
| 149 bids
|
Borrower Payment Dependent Notes Series
424407
This series of Notes was issued and sold upon the funding of the borrower loan #38842, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Sep-17-2009 |
| |
Auction end date:
| Oct-01-2009 |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 24.21% |
Starting monthly payment:
| $45.25 |
|
Final lender yield:
| 18.00% |
Final borrower rate/APR:
| 19.00% / 22.12% |
Final monthly payment:
| $43.99 |
| |
|
Auction yield range:
| 8.27% - 20.06% |
Estimated loss impact:
| 6.92% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.08% | | |
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-1997 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 18
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 31 | Length of status: | 3y 11m |
|
Amount delinquent:
| $48 |
Revolving credit balance:
| $20,129 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 84% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| respectful-reward8 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING FOR MY WEDDING
Purpose of loan:
This loan will be used to? help pay for the rest of?our wedding. I am getting married on November 7th of this year. We still have a lot to pay for in the next?6 weeks: the photographer, dj, and florist just to name a few.
My financial situation:
I am a good candidate for this loan because? I just need a little boost to help take care of?our wedding cost. I am a committed and reliable person that believes in taking responsibility for my finances. My fiance?has taken a huge cut in hours at his job this year?due to the economy, and this loan would really help us out.??I work full time as a Store Manager and District Trainer for Chicos FAS, a women's clothing and accessory retailer. I have been with them for?almost 4 years!?
Monthly net income: $ 3400.00
Monthly expenses: $
??Housing: $?345.00
??Insurance: $ 71.00
??Car expenses: $ 446.00
??Utilities: $ 175.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $?450.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you please explain the 4 delinquencies? - mobius_titan
A:
Honestly, I have no idea what 3 of them are. I am looking into that right now. I did find out that the one that is showing up as most recent is from a gym membership that my ex-husband had in my name. I was unaware of any issue with it until I just recently pulled up my credit report. Apparently, a balance of $40 is due to clear up the membership issue ; so I will be able to take care of that. I am still trying to find out what the other 3 are though.
(Sep-30-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IPG1 | $25.00 | $25.00 | 9/17/2009 4:38:00 PM |
| rustysailor | $35.00 | $35.00 | 9/20/2009 10:44:54 PM |
| Madron | $50.00 | $50.00 | 9/21/2009 10:23:43 AM |
| generous-deal6 | $100.00 | $100.00 | 9/25/2009 12:38:22 PM |
| UnclePockets | $50.00 | $50.00 | 9/29/2009 11:59:39 PM |
| PumpkinHead406 | $25.00 | $25.00 | 9/30/2009 4:10:24 PM |
| maga | $25.00 | $25.00 | 9/30/2009 5:52:34 PM |
| TFAD72 | $25.00 | $25.00 | 9/30/2009 7:29:56 PM |
| fatboy888 | $25.00 | $25.00 | 10/1/2009 5:44:57 AM |
| Dskillz | $25.00 | $25.00 | 10/1/2009 7:25:57 AM |
| Leshan | $50.00 | $50.00 | 10/1/2009 9:29:10 AM |
| cbm369 | $100.00 | $100.00 | 10/1/2009 9:54:26 AM |
| gpuck | $25.00 | $25.00 | 10/1/2009 10:49:17 AM |
| dudebrah | $25.00 | $25.00 | 10/1/2009 11:08:51 AM |
| Prossper-Godfather | $100.00 | $100.00 | 10/1/2009 2:03:05 PM |
| Prossper-Godfather | $50.00 | $50.00 | 10/1/2009 2:03:16 PM |
| Savings_EQ_Dignity | $35.00 | $35.00 | 10/1/2009 3:29:28 PM |
| Engineer44 | $25.00 | $25.00 | 10/1/2009 4:28:49 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/1/2009 4:25:30 PM |
| MrOglesby | $25.00 | $25.00 | 9/29/2009 2:28:00 AM |
| BellflowerBank | $25.00 | $25.00 | 9/29/2009 8:42:39 PM |
| Cashlender1992 | $25.00 | $25.00 | 9/30/2009 5:52:15 PM |
| zapquoc | $25.00 | $25.00 | 9/30/2009 6:56:22 PM |
| csak13 | $25.00 | $25.00 | 9/30/2009 6:58:54 PM |
| markdavid1957 | $30.00 | $30.00 | 10/1/2009 3:58:07 AM |
| pathcrx | $40.00 | $40.00 | 10/1/2009 5:29:55 AM |
| visionary-currency | $50.00 | $10.00 | 10/1/2009 5:35:57 AM |
| steveinflorida | $25.00 | $25.00 | 10/1/2009 6:32:27 AM |
| JauaFlash | $25.00 | $25.00 | 10/1/2009 10:37:01 AM |
| bluehorshoe | $25.00 | $25.00 | 10/1/2009 10:18:17 AM |
| jybank | $25.00 | $25.00 | 10/1/2009 2:57:40 PM |
| LAKETIME | $25.00 | $25.00 | 10/1/2009 3:23:43 PM |
| investment-visionary | $25.00 | $25.00 | 10/1/2009 4:22:02 PM |
| Duckman_Dot_Com | $25.00 | $25.00 | 10/1/2009 4:25:45 PM |
| 34 bids
|
Borrower Payment Dependent Notes Series
424455
This series of Notes was issued and sold upon the funding of the borrower loan #38835, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Sep-17-2009 |
| |
Auction end date:
| Oct-01-2009 |
|
|
Starting lender yield:
| 21.06% |
Starting borrower rate/APR:
| 22.06% / 24.32% |
Starting monthly payment:
| $229.33 |
|
Final lender yield:
| 19.05% |
Final borrower rate/APR:
| 20.05% / 22.29% |
Final monthly payment:
| $223.13 |
| |
|
Auction yield range:
| 8.27% - 21.06% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 680-700 (Sep-2009) |
Current / open credit lines:
| 5
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 6 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,841 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 29% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| durable-market7 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
aying off my credit cards college
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hey d-market-- none of your information showed up on the loan description. Could you fill in the blanks for us. Seems like you are more than deserving on hard credit numbers but the empty explanation makes bidding tough. Thanks and Best of Luck. - bondhedger
A:
i want to use the loan for my college tution
(Sep-30-2009)
Q:
None of your Expense nor Income posted - can you repost that info? - gpuck
A:
income is 1300 biweekly ( twice a month) expenses are 700 rent 89 metrocard 200 food and misc
$200 for bills
(Oct-01-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| mtp | $50.00 | $50.00 | 9/17/2009 4:36:12 PM |
| chlebie | $50.00 | $50.00 | 9/17/2009 4:36:24 PM |
| kumpa2u | $25.00 | $25.00 | 9/17/2009 4:36:59 PM |
| Raser | $25.00 | $25.00 | 9/17/2009 4:37:16 PM |
| crazycool | $35.00 | $35.00 | 9/17/2009 4:38:09 PM |
| turbine5 | $25.00 | $25.00 | 9/17/2009 4:39:21 PM |
| elated-justice | $25.00 | $25.00 | 9/17/2009 4:40:21 PM |
| jokerj006 | $25.00 | $25.00 | 9/17/2009 4:41:08 PM |
| personal-lender | $25.00 | $25.00 | 9/17/2009 4:41:33 PM |
| nodrivelpls | $25.00 | $25.00 | 9/17/2009 4:41:56 PM |
| wayman | $50.00 | $50.00 | 9/17/2009 4:42:12 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/17/2009 4:42:23 PM |
| gold-tsunami | $25.00 | $25.00 | 9/17/2009 4:42:31 PM |
| kulender | $25.00 | $25.00 | 9/17/2009 4:42:43 PM |
| vinayski | $25.00 | $25.00 | 9/17/2009 4:39:02 PM |
| Supernick | $25.00 | $25.00 | 9/17/2009 4:43:16 PM |
| Halos2002 | $50.00 | $50.00 | 9/17/2009 4:40:57 PM |
| Artist_Blue | $25.00 | $25.00 | 9/17/2009 4:41:24 PM |
| VentureExplorer | $25.00 | $25.00 | 9/17/2009 4:42:06 PM |
| figs4u2 | $200.00 | $200.00 | 9/17/2009 4:42:19 PM |
| theQuietLender | $25.00 | $25.00 | 9/17/2009 4:42:39 PM |
| secobarbital | $25.00 | $25.00 | 9/17/2009 4:43:06 PM |
| d_grbg | $35.00 | $35.00 | 9/17/2009 4:43:13 PM |
| mason13a | $25.00 | $25.00 | 9/17/2009 4:46:01 PM |
| sloan | $25.00 | $25.00 | 9/17/2009 4:43:33 PM |
| ianakacg | $25.00 | $25.00 | 9/17/2009 4:46:09 PM |
| Sam65 | $25.00 | $25.00 | 9/17/2009 4:46:15 PM |
| assetmanager | $25.00 | $25.00 | 9/17/2009 4:47:45 PM |
| new-reward-sequoia | $25.00 | $25.00 | 9/17/2009 4:48:04 PM |
| PhalanxBulldog | $25.00 | $25.00 | 9/17/2009 4:45:55 PM |
| socialbanker | $25.00 | $25.00 | 9/17/2009 4:46:24 PM |
| youqianderen | $50.00 | $50.00 | 9/17/2009 4:46:43 PM |
| Trinkaloki | $25.00 | $25.00 | 9/17/2009 4:47:11 PM |
| CPAMAN | $25.00 | $25.00 | 9/17/2009 4:47:23 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/17/2009 4:48:39 PM |
| tender-gold | $25.00 | $25.00 | 9/17/2009 4:50:12 PM |
| LimekilnLake | $25.00 | $25.00 | 9/17/2009 4:50:28 PM |
| imagenki | $25.00 | $25.00 | 9/17/2009 4:54:09 PM |
| saffron4 | $25.00 | $25.00 | 9/17/2009 4:54:16 PM |
| brazilofmux | $73.97 | $73.97 | 9/17/2009 4:54:51 PM |
| takarlstad | $25.00 | $25.00 | 9/17/2009 4:51:56 PM |
| Dohshooter | $50.00 | $50.00 | 9/17/2009 4:52:18 PM |
| Dreams4Cash | $25.00 | $25.00 | 9/17/2009 4:52:31 PM |
| bid-papyrus | $25.00 | $25.00 | 9/17/2009 4:53:00 PM |
| jt530 | $25.00 | $25.00 | 9/17/2009 4:53:27 PM |
| fuzed | $25.00 | $25.00 | 9/17/2009 4:53:41 PM |
| Veloce | $25.00 | $25.00 | 9/17/2009 4:54:57 PM |
| ibuystk | $50.00 | $50.00 | 9/17/2009 4:55:09 PM |
| Syzygy | $25.00 | $25.00 | 9/17/2009 5:02:59 PM |
| Weaverville | $27.97 | $27.97 | 9/17/2009 7:43:54 PM |
| five-star-justice | $36.00 | $36.00 | 9/17/2009 4:38:23 PM |
| siege01 | $25.00 | $25.00 | 9/17/2009 4:38:26 PM |
| poeman | $25.00 | $25.00 | 9/17/2009 4:38:40 PM |
| ajzwilli | $50.00 | $50.00 | 9/17/2009 8:09:11 PM |
| honorable-yield | $25.00 | $25.00 | 9/17/2009 4:41:13 PM |
| SNH | $25.00 | $25.00 | 9/17/2009 4:41:19 PM |
| exact-justice | $25.00 | $25.00 | 9/17/2009 4:42:16 PM |
| MrDavid | $25.00 | $25.00 | 9/17/2009 4:42:27 PM |
| mpactlender | $25.00 | $25.00 | 9/17/2009 4:42:57 PM |
| WalnutCreekguy | $33.00 | $33.00 | 9/17/2009 4:43:21 PM |
| slcchad | $25.00 | $25.00 | 9/17/2009 4:45:27 PM |
| techvet | $25.00 | $25.00 | 9/17/2009 4:45:40 PM |
| jeg3k | $25.00 | $25.00 | 9/17/2009 4:46:07 PM |
| Dahlozer | $25.00 | $25.00 | 9/17/2009 4:46:27 PM |
| MicroL | $25.00 | $25.00 | 9/17/2009 4:46:55 PM |
| bonus-buddy2 | $35.00 | $35.00 | 9/17/2009 4:47:14 PM |
| Exia | $25.00 | $25.00 | 9/17/2009 4:47:41 PM |
| tlam168 | $25.00 | $25.00 | 9/17/2009 4:47:49 PM |
| Bigheadboy | $25.00 | $25.00 | 9/17/2009 4:48:20 PM |
| dm_invest | $25.00 | $25.00 | 9/17/2009 4:48:31 PM |
| ErikB | $25.00 | $25.00 | 9/17/2009 4:48:52 PM |
| Mantis75 | $25.00 | $25.00 | 9/17/2009 4:51:37 PM |
| neighborly-bid | $25.00 | $25.00 | 9/17/2009 4:52:34 PM |
| jdnyc | $25.00 | $25.00 | 9/17/2009 4:53:14 PM |
| Josta | $50.00 | $50.00 | 9/17/2009 4:54:38 PM |
| Bankman68 | $25.00 | $25.00 | 9/18/2009 2:07:21 AM |
| langdonx | $50.00 | $50.00 | 9/18/2009 4:27:13 AM |
| new-goal-return | $25.00 | $25.00 | 9/18/2009 4:33:36 AM |
| sharpchicago | $25.00 | $25.00 | 9/18/2009 6:33:34 AM |
| pj000218 | $50.00 | $50.00 | 9/18/2009 7:00:05 AM |
| Lender0424 | $25.00 | $25.00 | 9/18/2009 7:00:48 AM |
| GLDavis | $25.00 | $25.00 | 9/18/2009 9:17:10 AM |
| Moron_Buffet | $25.00 | $25.00 | 9/18/2009 9:42:59 AM |
| AuroraRobbin | $50.00 | $50.00 | 9/20/2009 11:07:18 AM |
| liederhaus | $46.95 | $46.95 | 9/24/2009 8:22:06 AM |
| interstellar | $50.00 | $50.00 | 9/28/2009 11:54:15 AM |
| aultraman | $25.00 | $25.00 | 9/28/2009 10:11:41 PM |
| GrayStudio | $25.00 | $25.00 | 9/29/2009 7:57:32 AM |
| charitycoon | $50.00 | $50.00 | 9/30/2009 12:22:01 AM |
| theonezozo | $25.00 | $25.00 | 9/30/2009 10:23:20 AM |
| glazeddonuts | $25.00 | $25.00 | 9/30/2009 3:58:06 PM |
| BankOfThomas | $38.69 | $38.69 | 9/30/2009 4:10:25 PM |
| Cashlender1992 | $30.13 | $30.13 | 9/30/2009 5:52:55 PM |
| fiserve4u | $50.00 | $50.00 | 10/1/2009 4:53:20 AM |
| money-expert | $25.00 | $25.00 | 10/1/2009 8:03:57 AM |
| red-duty-sensai | $25.00 | $25.00 | 10/1/2009 8:53:41 AM |
| eprometheus | $72.00 | $72.00 | 10/1/2009 10:06:35 AM |
| Leshan | $50.00 | $50.00 | 10/1/2009 9:27:21 AM |
| Prossper-Godfather | $100.00 | $100.00 | 10/1/2009 10:17:58 AM |
| JauaFlash | $25.00 | $25.00 | 10/1/2009 10:38:22 AM |
| gpuck | $25.00 | $25.00 | 10/1/2009 10:51:26 AM |
| Easystreet | $25.00 | $25.00 | 10/1/2009 11:35:45 AM |
| yu-rik | $100.00 | $100.00 | 10/1/2009 2:02:52 PM |
| GMPK_TLAS | $45.00 | $45.00 | 9/17/2009 4:36:18 PM |
| skuba | $25.00 | $25.00 | 9/17/2009 4:38:13 PM |
| JohnW12 | $25.00 | $25.00 | 9/17/2009 4:40:07 PM |
| don8ter | $25.00 | $25.00 | 9/17/2009 4:41:41 PM |
| Aquani | $50.00 | $50.00 | 9/17/2009 4:41:47 PM |
| zeelender | $25.00 | $25.00 | 9/17/2009 4:41:50 PM |
| hopethisworks | $32.61 | $32.61 | 9/17/2009 4:41:53 PM |
| scottr | $25.00 | $25.00 | 9/17/2009 4:42:50 PM |
| dparkhom | $25.00 | $25.00 | 9/17/2009 4:43:18 PM |
| Dakota98 | $50.00 | $50.00 | 9/17/2009 4:43:24 PM |
| Champpilot | $50.00 | $50.00 | 9/17/2009 4:41:43 PM |
| delivery | $25.00 | $25.00 | 9/17/2009 4:44:45 PM |
| best-platinum-persimmon | $25.00 | $25.00 | 9/17/2009 4:46:04 PM |
| CarDealer3070 | $30.00 | $30.00 | 9/17/2009 4:45:17 PM |
| top-impressive-dinero | $25.00 | $25.00 | 9/17/2009 4:47:54 PM |
| Clambake | $50.00 | $50.00 | 9/17/2009 4:45:52 PM |
| chekat | $25.00 | $25.00 | 9/17/2009 4:49:11 PM |
| unclejaef | $25.00 | $25.00 | 9/17/2009 4:46:20 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/17/2009 4:49:19 PM |
| westsidehighway | $25.00 | $25.00 | 9/17/2009 4:46:48 PM |
| janicewill | $25.00 | $25.00 | 9/17/2009 4:47:02 PM |
| engaging-worth | $30.00 | $30.00 | 9/17/2009 4:47:19 PM |
| SPB | $25.00 | $25.00 | 9/17/2009 4:51:30 PM |
| Maccs55 | $25.00 | $25.00 | 9/17/2009 4:48:56 PM |
| LongTail | $25.00 | $25.00 | 9/17/2009 4:49:38 PM |
| snoopey100 | $25.00 | $25.00 | 9/17/2009 4:49:48 PM |
| lagnisiruk | $25.00 | $25.00 | 9/17/2009 4:52:52 PM |
| treasure-bliss | $50.00 | $50.00 | 9/17/2009 4:50:41 PM |
| hrubinst | $25.00 | $25.00 | 9/17/2009 4:54:22 PM |
| benroo | $25.00 | $25.00 | 9/17/2009 4:54:54 PM |
| jayz515 | $40.00 | $40.00 | 9/17/2009 4:55:03 PM |
| flexiboy35 | $25.00 | $25.00 | 9/17/2009 4:52:01 PM |
| mathprof | $25.00 | $25.00 | 9/17/2009 5:02:21 PM |
| crenen139 | $25.00 | $25.00 | 9/17/2009 4:52:50 PM |
| PeterV | $25.00 | $25.00 | 9/17/2009 5:03:50 PM |
| THREE-POINTS-LENDING | $25.00 | $25.00 | 9/17/2009 5:03:37 PM |
| tensor | $25.00 | $25.00 | 9/17/2009 6:20:19 PM |
| unitedins | $25.00 | $25.00 | 9/17/2009 4:41:04 PM |
| rose88 | $25.00 | $25.00 | 9/17/2009 7:41:21 PM |
| ohnezweck | $25.00 | $25.00 | 9/17/2009 8:15:40 PM |
| GElender | $50.00 | $50.00 | 9/17/2009 4:41:28 PM |
| KLVLOPZ64 | $50.00 | $50.00 | 9/17/2009 7:43:58 PM |
| thedreamer | $25.00 | $25.00 | 9/17/2009 4:41:37 PM |
| orindalender | $50.00 | $50.00 | 9/17/2009 4:42:00 PM |
| rjleves | $25.00 | $25.00 | 9/17/2009 4:42:36 PM |
| aldeed | $25.00 | $25.00 | 9/17/2009 4:43:27 PM |
| chicco | $80.00 | $80.00 | 9/17/2009 4:45:58 PM |
| Tradesmanlender | $25.00 | $25.00 | 9/17/2009 4:46:36 PM |
| dinobuddy | $25.00 | $25.00 | 9/17/2009 4:47:00 PM |
| hawker | $100.00 | $100.00 | 9/17/2009 4:47:06 PM |
| silver-armada | $50.00 | $50.00 | 9/17/2009 4:47:35 PM |
| dbluesea | $25.00 | $25.00 | 9/17/2009 4:48:02 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/17/2009 4:48:14 PM |
| rlrcstr | $25.00 | $25.00 | 9/17/2009 4:49:04 PM |
| peb44 | $100.00 | $100.00 | 9/17/2009 4:49:29 PM |
| Katburg | $25.00 | $25.00 | 9/17/2009 4:50:06 PM |
| MARSTUN | $50.00 | $50.00 | 9/17/2009 4:51:40 PM |
| Bank_Of_XL | $50.00 | $50.00 | 9/17/2009 5:22:31 PM |
| PatRichi | $25.00 | $25.00 | 9/17/2009 7:20:07 PM |
| wizardii | $25.00 | $25.00 | 9/17/2009 8:15:52 PM |
| bebeshor | $25.00 | $25.00 | 9/18/2009 4:04:55 AM |
| chipperjohnson | $25.00 | $25.00 | 9/18/2009 4:07:10 AM |
| wwwUniversal | $25.00 | $25.00 | 9/18/2009 6:20:19 AM |
| ClearLake | $25.00 | $25.00 | 9/18/2009 6:32:50 AM |
| mmckune | $25.00 | $25.00 | 9/18/2009 6:56:25 AM |
| tbati | $25.00 | $25.00 | 9/18/2009 7:26:13 AM |
| standanddeliver | $25.00 | $25.00 | 9/18/2009 7:25:11 AM |
| jbarron | $25.00 | $25.00 | 9/18/2009 7:52:21 AM |
| Jgodd13 | $50.00 | $50.00 | 9/18/2009 8:14:51 AM |
| moramis | $25.00 | $25.00 | 9/18/2009 8:54:01 AM |
| jammers | $25.00 | $21.78 | 9/18/2009 10:13:19 AM |
| 4mydaughterseducation | $25.00 | $25.00 | 9/25/2009 9:24:23 PM |
| gothampark | $25.00 | $25.00 | 9/29/2009 8:57:46 PM |
| nimble-revenue | $31.90 | $31.90 | 9/30/2009 2:29:31 PM |
| roi-advantage | $25.00 | $25.00 | 9/30/2009 5:53:31 PM |
| LarWit1512 | $25.00 | $25.00 | 9/30/2009 5:15:27 PM |
| best-generosity-financier | $25.00 | $25.00 | 9/30/2009 7:38:17 PM |
| inforapenny | $25.00 | $25.00 | 10/1/2009 1:59:52 PM |
| 181 bids
|
Borrower Payment Dependent Notes Series
424675
This series of Notes was issued and sold upon the funding of the borrower loan #38857, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Sep-17-2009 |
| |
Auction end date:
| Oct-01-2009 |
|
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $311.77 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $303.58 |
| |
|
Auction yield range:
| 11.27% - 27.38% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.72% | | |
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:
| 8 |
First credit line:
| Dec-2004 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 24
/
23 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 8y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,347 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 32% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| rowlandm2 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 640-660
(Jul-2009)
620-640
(May-2009)
620-640
(Oct-2008)
620-640
(May-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
Payoff BOA - 2nd Prosper Loan
Purpose of loan:
This loan will be used to consolidate 2 outstanding credit card balances into one payment.? Discover dropped my available credit limit to my outstanding balance and caused my credit utilization rate to skyrocket.? Bank of America's computer caught this change and raised my interest rate to 29.9% and then 2 months later closed my account without any notice.? When I inquired they said it was my credit utilization rate.? With all the greed in the banking industry I would rather pay a higher interest rate to a group of my peers rather than making some large banking corporation richer.? I travel for my company and get reimbursed about 2 weeks after I travel.? I average about 900 to 1000 in expenses in any given week for Air, Hotel, Car, and Food.? These expenses are reimbursed to me, but I have to carry the expense for up to 14 days.? Therefore, it is very important to me to maintain the remaining credit cards in good standing without having additional card issuers lower my limits.? Consolidating this debt will improve my revolving credit utilization and hopefully keep the other companies from lowering my limits.
My financial situation:
I am a good candidate for this loan because I have no history of late payments, am current on all outstanding loan obligations.?? I work in a very stable job for a large manufacturer traveling throughout the South as a Regional Administrator (Trainer).
Monthly net income: $ 4500
Monthly expenses: $ 2545
??Housing: $ 695
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| secobarbital | $25.00 | $25.00 | 9/17/2009 4:43:08 PM |
| delivery | $25.00 | $25.00 | 9/17/2009 4:44:50 PM |
| lagnisiruk | $25.00 | $25.00 | 9/17/2009 4:55:15 PM |
| neighborly-bid | $25.00 | $25.00 | 9/17/2009 5:35:28 PM |
| CarDealer3070 | $30.00 | $30.00 | 9/17/2009 4:45:21 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 9/17/2009 9:53:41 PM |
| slcchad | $25.00 | $25.00 | 9/17/2009 4:45:30 PM |
| circustab | $50.00 | $50.00 | 9/18/2009 5:57:49 AM |
| Raser | $25.00 | $25.00 | 9/18/2009 6:09:31 AM |
| moramis | $50.00 | $50.00 | 9/18/2009 8:14:45 AM |
| SNH | $50.00 | $50.00 | 9/18/2009 9:46:48 AM |
| 420limo | $25.00 | $25.00 | 9/18/2009 10:40:44 AM |
| deal-pinnacle7 | $25.00 | $25.00 | 9/18/2009 10:56:43 AM |
| treasure-bliss | $50.00 | $50.00 | 9/18/2009 11:50:58 AM |
| martinatime | $25.00 | $25.00 | 9/18/2009 12:49:26 PM |
| unitedbankofg | $57.77 | $57.77 | 9/18/2009 12:50:17 PM |
| Halos2002 | $50.00 | $50.00 | 9/18/2009 4:09:11 PM |
| momoney2lend | $25.00 | $25.00 | 9/18/2009 8:42:04 PM |
| AntiKris | $25.00 | $25.00 | 9/19/2009 5:53:25 AM |
| MidnightBank | $25.00 | $25.00 | 9/19/2009 7:28:09 AM |
| Gibbyland | $50.00 | $50.00 | 9/19/2009 12:02:00 PM |
| MBPB | $25.00 | $25.00 | 9/20/2009 1:37:02 AM |
| killdare | $25.00 | $25.00 | 9/20/2009 7:21:36 AM |
| Viamin | $25.00 | $25.00 | 9/20/2009 1:22:05 AM |
| Saving4Food | $25.00 | $25.00 | 9/20/2009 11:06:18 AM |
| bigbryan98 | $25.00 | $25.00 | 9/20/2009 12:58:33 PM |
| Shepherd7 | $25.00 | $25.00 | 9/20/2009 5:38:06 PM |
| Dorf | $25.00 | $25.00 | 9/21/2009 6:06:37 AM |
| MoNeYMaN5 | $25.00 | $25.00 | 9/21/2009 4:47:29 AM |
| WorldlyWorker | $25.00 | $25.00 | 9/21/2009 9:44:12 AM |
| credit-bloom | $25.00 | $25.00 | 9/21/2009 11:04:28 AM |
| MARWARISETH | $25.00 | $25.00 | 9/21/2009 12:09:24 PM |
| RadCad1 | $25.00 | $25.00 | 9/21/2009 1:44:38 PM |
| djh47a | $25.00 | $3.49 | 9/22/2009 9:39:17 AM |
| bejfishing | $25.00 | $25.00 | 9/22/2009 10:58:44 AM |
| bid-papyrus | $25.00 | $25.00 | 9/25/2009 6:02:02 AM |
| encantado | $25.00 | $25.00 | 9/25/2009 10:02:44 AM |
| harmonious-liberty | $25.00 | $25.00 | 9/25/2009 12:45:06 PM |
| whittlesey31 | $25.00 | $25.00 | 9/25/2009 5:59:50 PM |
| clemclan | $25.00 | $25.00 | 9/25/2009 9:44:38 PM |
| Philman | $25.00 | $25.00 | 9/25/2009 6:21:41 PM |
| 101010 | $100.00 | $100.00 | 9/25/2009 8:21:41 PM |
| foothillender | $25.00 | $25.00 | 9/26/2009 7:00:30 AM |
| wizard750 | $40.00 | $40.00 | 9/26/2009 12:48:30 PM |
| jgar_O | $25.00 | $25.00 | 9/27/2009 9:25:41 AM |
| buffalobills | $25.00 | $25.00 | 9/28/2009 9:32:22 AM |
| lasalle123 | $50.00 | $50.00 | 9/28/2009 11:33:35 AM |
| 1stBankAndHal | $25.00 | $25.00 | 9/28/2009 3:28:30 PM |
| Finchy78 | $25.00 | $25.00 | 9/28/2009 4:21:12 PM |
| sportcraft18 | $39.60 | $39.60 | 9/29/2009 5:43:37 AM |
| Makemony | $50.00 | $50.00 | 9/29/2009 10:38:46 AM |
| dkhonda | $75.00 | $75.00 | 9/29/2009 10:29:21 AM |
| momentous-transaction8 | $100.00 | $100.00 | 9/29/2009 11:42:29 AM |
| Maksimus | $30.00 | $30.00 | 9/29/2009 4:51:54 PM |
| RickColo | $200.00 | $200.00 | 9/29/2009 6:57:06 PM |
| zento | $25.00 | $25.00 | 9/29/2009 5:27:07 PM |
| DannyPhantom | $50.00 | $50.00 | 9/29/2009 8:18:12 PM |
| forthright-durability | $50.00 | $50.00 | 9/29/2009 6:08:58 PM |
| catnip007 | $25.02 | $25.02 | 9/29/2009 8:11:10 PM |
| redrose1518 | $25.00 | $25.00 | 9/29/2009 8:21:54 PM |
| drewdog365 | $25.00 | $25.00 | 9/29/2009 8:34:32 PM |
| paymaster1 | $50.00 | $50.00 | 9/30/2009 3:29:54 AM |
| omegamon1 | $25.00 | $25.00 | 9/30/2009 7:51:23 AM |
| spitzbergen | $50.00 | $50.00 | 9/30/2009 9:13:20 AM |
| meggo33 | $25.00 | $25.00 | 9/30/2009 11:17:18 AM |
| dudebrah | $25.00 | $25.00 | 9/30/2009 11:44:01 AM |
| asian808 | $25.00 | $25.00 | 9/30/2009 1:35:20 PM |
| hamster | $26.44 | $26.44 | 9/30/2009 2:06:58 PM |
| justme4now | $25.00 | $25.00 | 9/30/2009 4:13:30 PM |
| generous-deal6 | $50.00 | $50.00 | 9/30/2009 4:41:36 PM |
| aztec | $50.00 | $50.00 | 9/30/2009 4:57:25 PM |
| Flshedman | $50.00 | $50.00 | 9/30/2009 6:29:18 PM |
| hidavehi | $59.00 | $59.00 | 9/30/2009 7:09:21 PM |
| best-generosity-financier | $50.00 | $50.00 | 9/30/2009 7:44:28 PM |
| bartenderpro | $25.00 | $25.00 | 9/30/2009 9:34:35 PM |
| medkoder | $25.00 | $25.00 | 10/1/2009 5:43:47 AM |
| visionary-currency | $100.00 | $100.00 | 10/1/2009 5:38:06 AM |
| mustang9935 | $25.00 | $25.00 | 10/1/2009 5:55:46 AM |
| fireferd | $50.00 | $50.00 | 10/1/2009 8:07:35 AM |
| CAGE-Investments | $50.00 | $50.00 | 10/1/2009 6:26:54 AM |
| just-trade0 | $25.00 | $25.00 | 10/1/2009 8:23:32 AM |
| Prossper-Godfather | $50.00 | $50.00 | 10/1/2009 10:16:48 AM |
| mercuriant | $25.00 | $25.00 | 10/1/2009 9:36:04 AM |
| JTHarris | $50.00 | $50.00 | 10/1/2009 10:27:04 AM |
| gpuck | $25.00 | $25.00 | 10/1/2009 10:55:09 AM |
| Sibelius2 | $25.00 | $25.00 | 10/1/2009 12:31:05 PM |
| LeoBUSIIT | $25.00 | $25.00 | 10/1/2009 2:19:24 PM |
| Tlrdlrrnch | $25.00 | $25.00 | 10/1/2009 2:27:43 PM |
| Rob717171 | $150.00 | $150.00 | 10/1/2009 3:33:06 PM |
| FL-Lender | $50.00 | $50.00 | 10/1/2009 4:14:06 PM |
| thedreamer | $25.00 | $25.00 | 9/17/2009 4:44:39 PM |
| GMPK_TLAS | $25.00 | $25.00 | 9/17/2009 4:45:12 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/17/2009 4:49:16 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/17/2009 4:51:20 PM |
| snoopey100 | $25.00 | $25.00 | 9/17/2009 4:49:55 PM |
| Mantis75 | $25.00 | $25.00 | 9/18/2009 4:17:17 AM |
| sharpchicago | $25.00 | $25.00 | 9/18/2009 6:33:28 AM |
| poeman | $25.00 | $25.00 | 9/18/2009 6:48:37 AM |
| ddimports | $25.00 | $25.00 | 9/18/2009 9:49:59 AM |
| zone8 | $25.00 | $25.00 | 9/18/2009 1:17:14 PM |
| HoyaHeel | $25.00 | $25.00 | 9/18/2009 2:01:48 PM |
| TheBaldGuy | $25.00 | $25.00 | 9/18/2009 2:23:13 PM |
| bagus | $25.00 | $25.00 | 9/18/2009 1:57:27 PM |
| anton | $25.00 | $25.00 | 9/18/2009 4:08:33 PM |
| Hambone1111 | $25.00 | $25.00 | 9/18/2009 10:16:42 PM |
| capital-galaxy | $75.00 | $75.00 | 9/19/2009 7:17:45 AM |
| chief_wo | $25.00 | $25.00 | 9/19/2009 7:27:41 AM |
| drg6289 | $25.00 | $25.00 | 9/19/2009 11:23:10 AM |
| impressive-loan | $44.91 | $44.91 | 9/20/2009 7:41:52 AM |
| Phantom99 | $25.00 | $25.00 | 9/20/2009 8:11:54 AM |
| saffron4 | $25.00 | $25.00 | 9/20/2009 9:47:17 AM |
| personal-lender | $25.00 | $25.00 | 9/20/2009 3:52:14 PM |
| Goodnotlucky | $50.00 | $50.00 | 9/20/2009 3:04:02 PM |
| platinum-cub | $25.00 | $25.00 | 9/20/2009 3:56:52 PM |
| louisianalender | $100.00 | $100.00 | 9/21/2009 12:32:27 AM |
| heroic-benefit | $25.00 | $25.00 | 9/21/2009 9:34:53 AM |
| seisen | $50.00 | $50.00 | 9/21/2009 9:39:05 AM |
| noble-revenue | $40.42 | $40.42 | 9/21/2009 6:07:32 PM |
| coolspeed | $25.00 | $25.00 | 9/21/2009 4:39:54 PM |
| Cpay2Me | $25.00 | $25.00 | 9/21/2009 7:28:50 PM |
| riversmoke | $25.00 | $25.00 | 9/22/2009 6:44:08 AM |
| silvercertificate | $25.00 | $25.00 | 9/22/2009 9:20:25 AM |
| boghdan2000 | $25.00 | $25.00 | 9/22/2009 9:07:30 AM |
| lovely-return7 | $25.00 | $25.00 | 9/22/2009 9:35:26 AM |
| DonDiego | $25.00 | $25.00 | 9/22/2009 2:11:12 PM |
| Student_Capital | $50.00 | $50.00 | 9/23/2009 12:17:29 AM |
| Havnfun | $25.00 | $25.00 | 9/23/2009 1:52:02 PM |
| credit-coach118 | $25.00 | $25.00 | 9/23/2009 3:48:09 PM |
| Prezotus | $25.00 | $25.00 | 9/24/2009 4:28:23 PM |
| PrinceValium | $25.00 | $25.00 | 9/25/2009 2:37:35 PM |
| RecoveryLender | $37.99 | $37.99 | 9/26/2009 7:13:54 AM |
| Rip128 | $50.00 | $50.00 | 9/25/2009 8:52:27 PM |
| Frenchynh | $30.00 | $30.00 | 9/25/2009 8:58:22 PM |
| SnE | $25.00 | $25.00 | 9/26/2009 4:03:31 AM |
| vtr1000 | $25.02 | $25.02 | 9/26/2009 1:01:22 PM |
| mickw2000 | $50.00 | $50.00 | 9/27/2009 2:49:25 PM |
| 123pickme | $25.00 | $25.00 | 9/27/2009 4:58:38 AM |
| kenL | $300.00 | $300.00 | 9/28/2009 8:17:58 AM |
| Digs | $25.00 | $25.00 | 9/27/2009 5:47:29 PM |
| ladyorayne | $100.00 | $100.00 | 9/28/2009 8:00:40 AM |
| panda_panda | $100.00 | $100.00 | 9/28/2009 9:05:27 AM |
| mikeyp411 | $36.25 | $36.25 | 9/28/2009 5:18:18 PM |
| CoolPlexer | $25.00 | $25.00 | 9/28/2009 5:57:11 PM |
| chill32151 | $35.00 | $35.00 | 9/28/2009 7:55:51 PM |
| falonxz | $30.00 | $30.00 | 9/29/2009 5:02:12 AM |
| foxy-community | $26.03 | $26.03 | 9/29/2009 10:46:35 AM |
| VTXRider | $25.00 | $25.00 | 9/29/2009 12:12:53 PM |
| xfaktur | $143.95 | $143.95 | 9/29/2009 4:32:52 PM |
| jn101814 | $25.00 | $25.00 | 9/29/2009 4:33:09 PM |
| bronzmajom | $25.00 | $25.00 | 9/29/2009 4:45:08 PM |
| investment-cluster | $25.00 | $25.00 | 9/29/2009 4:59:25 PM |
| Digger54 | $28.89 | $28.89 | 9/29/2009 5:16:30 PM |
| Russh | $25.00 | $25.00 | 9/29/2009 6:13:34 PM |
| stevenm8 | $25.00 | $25.00 | 9/29/2009 4:37:31 PM |
| Flacap | $40.00 | $40.00 | 9/29/2009 7:54:42 PM |
| Wachocia | $25.00 | $25.00 | 9/29/2009 9:11:00 PM |
| callmebryan | $25.00 | $25.00 | 9/29/2009 9:19:58 PM |
| gold-cluster | $100.00 | $100.00 | 9/29/2009 6:50:08 PM |
| Vans1975 | $50.00 | $50.00 | 9/29/2009 7:17:56 PM |
| Capital_Infusion | $25.00 | $25.00 | 9/29/2009 8:24:43 PM |
| jybank | $25.00 | $25.00 | 9/29/2009 9:33:42 PM |
| credit-missile | $100.00 | $100.00 | 9/29/2009 9:56:48 PM |
| bondhedger | $25.00 | $25.00 | 9/29/2009 9:56:43 PM |
| Flyhighboi20 | $50.00 | $50.00 | 9/30/2009 1:42:30 AM |
| investment-visionary | $25.00 | $25.00 | 9/30/2009 9:07:29 AM |
| p2p-journey | $25.00 | $25.00 | 9/30/2009 10:11:56 AM |
| zxsport30 | $25.00 | $25.00 | 9/30/2009 10:28:59 AM |
| mustang9935 | $25.00 | $25.00 | 9/30/2009 10:34:07 AM |
| martymaniaman | $25.00 | $25.00 | 9/30/2009 10:42:48 AM |
| Barrayaran | $25.00 | $25.00 | 9/30/2009 12:21:54 PM |
| mkvance | $59.07 | $59.07 | 9/30/2009 1:30:43 PM |
| bhorenst | $25.00 | $25.00 | 9/30/2009 3:45:58 PM |
| Savings_EQ_Dignity | $50.00 | $50.00 | 9/30/2009 4:01:55 PM |
| aloantime07 | $25.00 | $25.00 | 9/30/2009 6:08:23 PM |
| maga | $50.00 | $50.00 | 9/30/2009 6:11:41 PM |
| csak13 | $50.00 | $50.00 | 9/30/2009 7:05:02 PM |
| momoney2lend | $50.00 | $50.00 | 9/30/2009 8:08:25 PM |
| Jazzy503 | $25.00 | $25.00 | 9/30/2009 10:42:13 PM |
| bright-exchange | $25.00 | $25.00 | 9/30/2009 11:04:50 PM |
| sorace | $50.00 | $50.00 | 10/1/2009 6:33:04 AM |
| Bobusa | $25.00 | $25.00 | 10/1/2009 5:09:18 AM |
| m60gpmg | $50.00 | $50.00 | 10/1/2009 6:52:21 AM |
| jsnryn | $25.00 | $25.00 | 10/1/2009 7:34:39 AM |
| sharp518 | $25.00 | $25.00 | 10/1/2009 7:51:53 AM |
| money-expert | $25.00 | $25.00 | 10/1/2009 8:05:24 AM |
| Leshan | $50.00 | $50.00 | 10/1/2009 9:25:05 AM |
| Prossper-Godfather | $100.00 | $100.00 | 10/1/2009 10:16:33 AM |
| efficient-bid2 | $25.00 | $25.00 | 10/1/2009 9:29:27 AM |
| aspire2grow | $25.00 | $25.00 | 10/1/2009 10:53:44 AM |
| adam28 | $25.00 | $25.00 | 10/1/2009 11:21:07 AM |
| Fireman_Jake | $61.15 | $61.15 | 10/1/2009 1:03:13 PM |
| Astyanax | $25.00 | $25.00 | 10/1/2009 1:12:07 PM |
| Loan_Stranger | $50.00 | $50.00 | 10/1/2009 2:40:32 PM |
| Tahoeman | $25.00 | $25.00 | 10/1/2009 2:45:07 PM |
| LAKETIME | $25.00 | $25.00 | 10/1/2009 3:33:14 PM |
| 195 bids
|
Borrower Payment Dependent Notes Series
425763
This series of Notes was issued and sold upon the funding of the borrower loan #38839, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Sep-24-2009 |
| |
Auction end date:
| Oct-08-2009 |
|
|
Starting lender yield:
| 10.33% |
Starting borrower rate/APR:
| 11.33% / 14.92% |
Starting monthly payment:
| $32.90 |
|
Final lender yield:
| 8.00% |
Final borrower rate/APR:
| 9.00% / 12.54% |
Final monthly payment:
| $31.80 |
| |
|
Auction yield range:
| 4.27% - 10.33% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.88% | | |
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:
| Apr-1998 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,489 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 24% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| Pepper43 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 8 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(Nov-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Paying Off Taxes
Purpose of loan:
This loan will be used to pay my 2008 federal income taxes to prevent further interest charges
My financial situation:
I am a good candidate for this loan because I am a second time Prosper borrower. I paid my first loan off two years early and will try and do the same with this one.
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 you doing to make sure that you are not behind in your taxes in the future? - Lender_1972
A:
When I switched jobs in 2007, I had to rollover my 401(k). I had a loan against the 401(k). 2008 is when I did the rollover. Since they took the loan amount out of my 401(k) before the rollover, I did not know that I had to claim this loan or distribution as income. When I included this income to my 2008 employment income, enough taxes had not been taken out. Therefore I owed taxes on the distribution amount. I have additional taxes taken out of my check and continue to do so. Thanks, Mike
(Sep-30-2009)
Q:
What is the public record? - jpblan11
A:
I filed for bankruptcy in April of 2003 and it was discharged in October of 2003.
Thanks,
(Oct-03-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| BAEVentures | $25.00 | $25.00 | 9/24/2009 7:32:33 PM |
| LittleMingo | $25.00 | $25.00 | 10/3/2009 8:14:52 PM |
| mclean_loaner | $50.00 | $50.00 | 10/7/2009 6:31:29 PM |
| DANTHEMAN2 | $25.00 | $25.00 | 10/8/2009 11:37:34 AM |
| chrisb1414 | $25.00 | $25.00 | 10/8/2009 2:20:36 PM |
| generous-deal6 | $75.00 | $75.00 | 10/8/2009 4:43:27 PM |
| marwadi-62 | $300.00 | $300.00 | 10/8/2009 4:40:45 PM |
| jybank | $25.00 | $25.00 | 10/8/2009 5:04:00 PM |
| Mack_Inv | $25.00 | $25.00 | 10/8/2009 5:09:01 PM |
| icon7 | $25.00 | $25.00 | 10/8/2009 6:35:23 PM |
| ujiba | $25.00 | $25.00 | 10/5/2009 3:28:30 PM |
| rmpedi33 | $50.00 | $19.37 | 10/6/2009 10:41:37 AM |
| oldman68 | $25.00 | $25.00 | 10/7/2009 7:09:32 PM |
| ScottFinance | $25.00 | $25.00 | 10/8/2009 8:06:13 AM |
| bradb5 | $25.00 | $25.00 | 10/8/2009 12:26:48 PM |
| malcolmreynolds | $25.63 | $25.63 | 10/8/2009 4:05:00 PM |
| usbank | $25.00 | $25.00 | 10/8/2009 5:11:11 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/8/2009 6:10:04 PM |
| momentous-coin | $50.00 | $50.00 | 10/8/2009 4:49:40 PM |
| FundMaker | $30.00 | $30.00 | 10/8/2009 5:36:22 PM |
| dhallii | $50.00 | $50.00 | 10/8/2009 5:17:54 PM |
| kinetic-social | $50.00 | $50.00 | 10/8/2009 5:26:14 PM |
| Waroen | $25.00 | $25.00 | 10/8/2009 5:38:09 PM |
| 23 bids
|
Borrower Payment Dependent Notes Series
425636
This series of Notes was issued and sold upon the funding of the borrower loan #38885, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,050.00 |
Prosper Rating:
| HR |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Sep-23-2009 |
| |
Auction end date:
| Sep-30-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.95% |
Starting monthly payment:
| $47.50 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 34.85% |
Final monthly payment:
| $45.15 |
| |
|
Auction yield range:
| 17.27% - 34.00% |
Estimated loss impact:
| 19.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.24% | | |
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:
| Jun-2000 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-680 (Aug-2009) |
Current / open credit lines:
| 0
/
0 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 4 | Length of status: | 4y 1m |
|
Amount delinquent:
| $75 |
Revolving credit balance:
| $0 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| AG2009 |
Borrower's state:
| Oklahoma |
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
Needing to pay back nursing loan.
Purpose of loan:
This loan will be used to?purchase my books for my classes.
My financial situation:
I am a good candidate for this loan because?
I only owe about $2K on two student loans for nursing school. You can look up my pay charts
online to verify my income.? I have a position that Im going fill in the next of the year, which will
greatly increase my pay and reduce my bills.? I have a $500 bonus due
in Feb.? In my opinion, this loan is free money for whoever is willing
to bid.
Monthly net income: $
2000
Monthly expenses: $
??Housing: $?
405
??Insurance: $
63.50
??Car expenses: $
55.00
??Utilities: $
??Phone, cable, internet: $ 43.00
??Food, entertainment: $
35.00
??Clothing, household expenses $
40.00
??Credit cards and other loans: $
150
??Other expenses: $ 65.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| golffish2 | $800.00 | $718.10 | 9/25/2009 4:03:26 AM |
| BlessedEveryDay | $25.00 | $25.00 | 9/26/2009 6:22:07 AM |
| Hawkeyebank | $25.00 | $25.00 | 9/29/2009 6:12:49 PM |
| atrevete | $25.00 | $25.00 | 9/29/2009 8:26:02 PM |
| forthright-durability | $25.00 | $25.00 | 9/29/2009 9:09:03 PM |
| JDLanier | $25.00 | $25.00 | 9/30/2009 11:58:10 AM |
| etraboulay | $50.00 | $50.00 | 9/30/2009 12:01:33 PM |
| marwadi-62 | $25.00 | $25.00 | 9/25/2009 5:36:36 AM |
| Carne_Chung | $31.90 | $31.90 | 9/26/2009 4:01:54 AM |
| unk1911 | $25.00 | $25.00 | 9/28/2009 1:24:50 PM |
| GS-ROCK | $25.00 | $25.00 | 9/29/2009 9:02:27 PM |
| gold-cluster | $25.00 | $25.00 | 9/29/2009 9:07:22 PM |
| astro128 | $25.00 | $25.00 | 9/30/2009 12:00:44 PM |
| 13 bids
|
Borrower Payment Dependent Notes Series
425708
This series of Notes was issued and sold upon the funding of the borrower loan #38845, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Sep-24-2009 |
| |
Auction end date:
| Oct-08-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 27.50% |
Final borrower rate/APR:
| 28.50% / 30.86% |
Final monthly payment:
| $208.17 |
| |
|
Auction yield range:
| 11.27% - 34.00% |
Estimated loss impact:
| 10.69% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.81% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 58% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 25
/
21 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $26,812 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 72% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| yahoo13180 |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(Aug-2009)
640-660
(Jul-2009)
600-620
(May-2008)
|
|
Principal balance:
| $4,739.95 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Refinancing - Bye-bye Credit Cards!
Purpose of loan:
This loan will help me to eliminate several high interest (and evil) credit cards and combine and lower my monthly payments!
A little about me:
I am a music teacher in a small town in Ohio--though I live in West Virginia. My wife and I were thrilled when we had our first child last December. Beginning a family certainly puts ones life in perspective, and a part of mine includes eliminating my debt--starting with credit cards.
My financial situation:
My yearly income is approximately $49,000. My wife is not a co-applicant, but I still believe her income is important to know since so much of our debt is intertwined: She has an income of approximately $50,000 yearly. Our monthly expenses, including a home and an auto loan, credit cards,?bills, and expenses, is approximately $5,300 with a monthly income of approximately $6,000, after taxes. I also have some savings as a cushion.
The BIG Question: Repayment!
The prominent question is "Can he repay his loan in 36 months?" The answer is "absolutely!" I have never defaulted on a debt, never filed for bankruptcy, and have an excellent payment history. My current Prosper loan is a testament to that. This loan will consolidate and refinance my cards and eliminate them! Most important to me is what my father taught me: the good old fashioned American value that a man is only as good as his honorable word and that is what I give you - my word to repay, in-full and on time. Take a chance with me and I will guarantee you a successful investment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is the current balance with interest rate and monthly payment amount of debt that you will be eliminating? - karmanxten
A:
This loan will eliminate a debt of:
$2031 - interest is 36.99% - monthly payment of $284;
$1188 - interest is 35.49% - monthly payment of $155;
$1039 - interest is 36.99% - monthly payment is $165;
$814 - interest is 34.99$ - monthly payment of $96.
Thank you for your question!
(Sep-30-2009)
Q:
"eliminating my debt" Enlighten us bidders as to your strategy for doing such. - karmanxten
A:
A wonderful question. When my wife and I married, we each carried credit card debt from our college days. We developed a plan as to what cards we need, want, and need to get rid of. Since then, we have elminated two car payments, a few credit cards, and an unsecured loan. We have budgeted our payments and when a debt is paid off, that amount is carried over into the next debt on the list and so forth. It has worked great and this loan will allows us to lump the remaing into one lowered payment.
(Oct-07-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hellasow | $30.00 | $30.00 | 9/24/2009 9:16:29 PM |
| karmanxten | $500.00 | $500.00 | 9/30/2009 11:14:17 AM |
| Iceman1347 | $25.00 | $25.00 | 10/1/2009 9:19:45 PM |
| jgar_O | $25.00 | $25.00 | 10/2/2009 3:45:29 PM |
| karmanxten | $175.00 | $175.00 | 10/2/2009 4:16:54 PM |
| usedtoborrow | $100.00 | $100.00 | 10/5/2009 8:13:38 PM |
| SCIGIE | $25.00 | $25.00 | 10/7/2009 4:49:08 AM |
| martymaniaman | $50.00 | $50.00 | 10/7/2009 7:12:13 AM |
| Ven58 | $25.00 | $25.00 | 10/7/2009 5:26:05 PM |
| CA_Lender | $25.00 | $25.00 | 10/7/2009 7:37:02 PM |
| BankofBeth | $50.00 | $50.00 | 10/7/2009 6:36:51 PM |
| Flshedman | $50.00 | $50.00 | 10/7/2009 8:27:12 PM |
| wizard750 | $68.30 | $68.30 | 10/7/2009 8:48:47 PM |
| Leshan | $100.00 | $100.00 | 10/8/2009 7:21:29 AM |
| zooom7 | $50.00 | $50.00 | 10/8/2009 7:33:12 AM |
| FinanceEngine | $60.00 | $60.00 | 10/8/2009 10:54:14 AM |
| the-problem-solver | $50.00 | $50.00 | 10/8/2009 1:28:35 PM |
| easymoney4me | $35.18 | $35.18 | 10/8/2009 9:54:03 AM |
| versatilenyguy | $100.00 | $100.00 | 10/8/2009 1:31:33 PM |
| Lear31 | $34.00 | $34.00 | 10/8/2009 12:20:07 PM |
| bronzmajom | $50.00 | $50.00 | 10/8/2009 1:39:13 PM |
| dorypro | $25.00 | $25.00 | 10/8/2009 3:42:47 PM |
| OrdiNance | $133.77 | $133.77 | 10/8/2009 3:46:48 PM |
| jybank | $25.00 | $25.00 | 10/8/2009 3:58:55 PM |
| nymoney | $92.00 | $92.00 | 10/8/2009 2:02:59 PM |
| DMKAssetManagement | $100.00 | $100.00 | 10/8/2009 2:11:22 PM |
| dslobbs | $28.63 | $28.63 | 10/8/2009 2:22:54 PM |
| kindness-jedi | $100.00 | $100.00 | 10/8/2009 3:12:43 PM |
| pog27 | $25.00 | $25.00 | 10/8/2009 3:33:18 PM |
| Taho | $50.00 | $50.00 | 10/8/2009 3:49:24 PM |
| whiterabbit1874 | $50.00 | $50.00 | 10/8/2009 4:26:03 PM |
| tigercat | $50.00 | $50.00 | 10/8/2009 5:31:44 PM |
| gold-cluster | $100.00 | $100.00 | 10/8/2009 6:09:00 PM |
| lateflight | $25.00 | $25.00 | 10/8/2009 6:21:26 PM |
| just-trade0 | $25.00 | $25.00 | 10/8/2009 4:36:42 PM |
| IPlayOutsideTheBox | $25.00 | $25.00 | 10/8/2009 5:21:17 PM |
| Engineer44 | $35.00 | $35.00 | 10/8/2009 6:33:22 PM |
| marybennet | $25.00 | $25.00 | 10/8/2009 5:33:10 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/8/2009 6:20:27 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/8/2009 5:57:29 PM |
| reflective-rupee | $200.00 | $200.00 | 10/8/2009 6:24:40 PM |
| power-grid134 | $25.00 | $25.00 | 10/8/2009 6:31:18 PM |
| shawnw2 | $35.00 | $35.00 | 10/4/2009 4:49:40 PM |
| gelt4u | $25.00 | $25.00 | 10/5/2009 10:40:49 AM |
| helynn43 | $25.00 | $25.00 | 10/7/2009 11:21:16 AM |
| Ven58 | $25.00 | $25.00 | 10/7/2009 1:01:28 PM |
| investment-cluster | $25.00 | $25.00 | 10/8/2009 2:12:06 AM |
| Bobusa | $25.00 | $25.00 | 10/8/2009 4:49:48 AM |
| carmat60 | $25.00 | $25.00 | 10/7/2009 11:45:03 PM |
| whatreality | $26.82 | $26.82 | 10/8/2009 6:01:45 AM |
| peso-bonaza | $25.00 | $25.00 | 10/8/2009 11:23:51 AM |
| EEasyMoney | $25.00 | $25.00 | 10/8/2009 8:29:41 AM |
| Chiss | $25.00 | $25.00 | 10/8/2009 8:53:32 AM |
| credit-coach118 | $25.00 | $25.00 | 10/8/2009 10:23:48 AM |
| rebeldog67 | $30.00 | $30.00 | 10/8/2009 9:59:22 AM |
| crdcteng | $50.00 | $50.00 | 10/8/2009 2:00:44 PM |
| HalozLoki | $25.00 | $25.00 | 10/8/2009 11:59:30 AM |
| billybragg | $25.00 | $25.00 | 10/8/2009 10:59:39 AM |
| monstersdad | $50.00 | $50.00 | 10/8/2009 12:31:36 PM |
| hamster | $25.68 | $25.68 | 10/8/2009 1:25:15 PM |
| LendingBug | $25.00 | $25.00 | 10/8/2009 11:39:43 AM |
| Lear31 | $30.00 | $30.00 | 10/8/2009 3:11:29 PM |
| flexible-economy2 | $100.00 | $100.00 | 10/8/2009 4:02:53 PM |
| drenalin | $25.00 | $25.00 | 10/8/2009 3:07:42 PM |
| ddimports | $25.00 | $25.00 | 10/8/2009 2:21:41 PM |
| gm93001 | $427.61 | $237.39 | 10/8/2009 3:13:22 PM |
| flexible-economy2 | $100.00 | $100.00 | 10/8/2009 2:39:27 PM |
| bitano | $50.00 | $50.00 | 10/8/2009 3:43:35 PM |
| reflective-rupee | $100.00 | $100.00 | 10/8/2009 5:00:39 PM |
| reflective-rupee | $200.00 | $200.00 | 10/8/2009 5:01:06 PM |
| quest0 | $50.00 | $50.00 | 10/8/2009 5:07:38 PM |
| jtc26 | $51.73 | $51.73 | 10/8/2009 4:20:19 PM |
| LanceLink | $25.00 | $25.00 | 10/8/2009 4:59:25 PM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/8/2009 5:26:09 PM |
| whitewolf7 | $25.00 | $25.00 | 10/8/2009 5:16:38 PM |
| Audiophobe | $50.00 | $50.00 | 10/8/2009 6:15:45 PM |
| Lender_1972 | $100.00 | $100.00 | 10/8/2009 4:21:04 PM |
| CREinvestor | $96.50 | $96.50 | 10/8/2009 6:10:43 PM |
| icon7 | $25.00 | $25.00 | 10/8/2009 6:28:25 PM |
| All_Wins | $25.00 | $25.00 | 10/8/2009 6:33:59 PM |
| fiserve4u | $50.00 | $50.00 | 10/8/2009 5:31:16 PM |
| SFBank | $250.00 | $250.00 | 10/8/2009 6:19:09 PM |
| 82 bids
|
Borrower Payment Dependent Notes Series
426050
This series of Notes was issued and sold upon the funding of the borrower loan #38891, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Sep-28-2009 |
| |
Auction end date:
| Oct-02-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $202.39 |
| |
|
Auction yield range:
| 11.27% - 34.00% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.72% | | |
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:
| 8 |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 680-700 (Sep-2009) |
Current / open credit lines:
| 17
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 47 | Length of status: | 13y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,698 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 66% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| Godbless |
Borrower's state:
| Missouri |
Borrower's group:
| Christian Opportunities |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 32 ( 55% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $8,300.00 | < mo. late:
| 26
( 45% )
| 600-620
(Oct-2007)
540-560
(Aug-2006)
|
|
Principal balance:
| $2,703.48 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 58 | | |
Description
Debt Consolidation
Investors will have no risk because I will pay everyone back in full.? My current salary is $49,250.00 and I have?been employed full-time as a secretary with the same company for over 13 years.? I am working very hard towards eliminating my higher interest debts.? I would like to consolidate some of my current higher interest debts with a lower interest Prosper loan so that I can get out of debt even sooner.??I have?three loans?with tremendous interest rates and I am applying for a second Prosper loan to consolidate these loans.? This Prosper loan will not be used for new debt, but to only pay off my existing higher interest debt.? I consistently pay my debts and this loan will be paid in full.? This loan would truly be a blessing in my life.
Mortgage $387.00
My car payment is $359.63.
My credit card bills are approximately $550.00 per month.
The existing loan I have with Prosper is $229.24 per month and will be paid in full in 11 months..?
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) |
|
| poeman | $25.00 | $25.00 | 9/28/2009 4:24:04 PM |
| RadCad1 | $25.00 | $25.00 | 9/28/2009 4:24:12 PM |
| seisen | $50.00 | $50.00 | 9/28/2009 4:26:38 PM |
| icon7 | $25.00 | $25.00 | 9/28/2009 4:26:54 PM |
| justice-dna | $25.00 | $25.00 | 9/28/2009 4:27:01 PM |
| secobarbital | $25.00 | $25.00 | 9/28/2009 4:27:45 PM |
| Mantis75 | $25.00 | $25.00 | 9/28/2009 4:28:37 PM |
| Shepherd7 | $25.00 | $25.00 | 9/28/2009 4:29:01 PM |
| louisianalender | $100.00 | $100.00 | 9/28/2009 4:29:12 PM |
| rapid-power2 | $25.00 | $25.00 | 9/28/2009 4:35:57 PM |
| a-healthy-affluence | $50.00 | $50.00 | 9/28/2009 4:36:21 PM |
| charity_fundraiser | $50.00 | $50.00 | 9/28/2009 4:53:51 PM |
| tender-gold | $25.00 | $25.00 | 9/28/2009 4:54:23 PM |
| snoopey100 | $25.00 | $25.00 | 9/28/2009 4:23:33 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/28/2009 4:23:45 PM |
| noble-revenue | $100.00 | $100.00 | 9/28/2009 4:24:45 PM |
| thedreamer | $25.00 | $25.00 | 9/28/2009 4:23:10 PM |
| lagnisiruk | $25.00 | $25.00 | 9/28/2009 4:23:51 PM |
| coolspeed | $25.00 | $25.00 | 9/28/2009 4:24:15 PM |
| capital-galaxy | $75.00 | $75.00 | 9/28/2009 4:26:58 PM |
| turbine5 | $25.00 | $25.00 | 9/28/2009 4:24:39 PM |
| dinero-mason | $31.66 | $31.66 | 9/28/2009 5:00:45 PM |
| firewomin | $25.00 | $25.00 | 9/28/2009 4:27:13 PM |
| fuzed | $25.00 | $25.00 | 9/28/2009 4:25:27 PM |
| delivery | $25.00 | $25.00 | 9/28/2009 4:28:05 PM |
| MARWARISETH | $25.00 | $25.00 | 9/28/2009 4:25:36 PM |
| anton | $25.00 | $25.00 | 9/28/2009 4:28:55 PM |
| lovely-return7 | $25.00 | $25.00 | 9/28/2009 5:02:39 PM |
| Savings_EQ_Dignity | $25.00 | $25.00 | 9/28/2009 4:27:05 PM |
| deal-secret-agent | $25.00 | $25.00 | 9/28/2009 4:30:00 PM |
| power-collider | $25.00 | $25.00 | 9/28/2009 4:36:42 PM |
| Artist_Blue | $25.00 | $25.00 | 9/28/2009 4:33:10 PM |
| gracej | $25.00 | $25.00 | 9/28/2009 4:34:13 PM |
| sharpchicago | $25.00 | $25.00 | 9/28/2009 4:54:01 PM |
| richrobe | $25.00 | $25.00 | 9/28/2009 4:59:19 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 9/28/2009 6:37:31 PM |
| Gibbyland | $50.00 | $50.00 | 9/28/2009 4:59:47 PM |
| impressive-loan | $57.91 | $57.91 | 9/28/2009 5:01:28 PM |
| MidnightBank | $25.00 | $25.00 | 9/28/2009 5:03:44 PM |
| PatRichi | $25.00 | $25.00 | 9/28/2009 5:02:33 PM |
| Rysterola82 | $25.00 | $25.00 | 9/28/2009 7:37:31 PM |
| darylc | $33.34 | $33.34 | 9/28/2009 5:05:17 PM |
| westsidehighway | $25.00 | $25.00 | 9/28/2009 5:08:13 PM |
| rosario1 | $25.00 | $25.00 | 9/28/2009 5:06:42 PM |
| Kaj | $25.00 | $25.00 | 9/28/2009 5:10:34 PM |
| Mr2025 | $47.16 | $47.16 | 9/29/2009 8:42:43 AM |
| davenyc | $25.00 | $25.00 | 9/28/2009 11:12:31 PM |
| IIP77 | $25.00 | $25.00 | 9/29/2009 7:07:57 AM |
| GIGO | $50.00 | $50.00 | 9/29/2009 8:42:44 AM |
| HoyaHeel | $25.00 | $25.00 | 9/29/2009 10:06:58 AM |
| purdue98 | $25.00 | $25.00 | 9/29/2009 12:59:26 PM |
| UCLA4life | $25.00 | $25.00 | 9/29/2009 11:48:18 AM |
| unk1911 | $25.00 | $25.00 | 9/29/2009 2:47:01 PM |
| TheBaldGuy | $25.00 | $25.00 | 9/29/2009 3:11:52 PM |
| selfmademan | $25.00 | $25.00 | 9/29/2009 4:41:53 PM |
| samo102us | $25.00 | $25.00 | 9/29/2009 7:32:24 PM |
| AF_Trust | $25.00 | $25.00 | 9/29/2009 7:33:15 PM |
| honorable-yield | $25.00 | $25.00 | 9/29/2009 5:08:45 PM |
| crenen139 | $25.00 | $25.00 | 9/29/2009 5:08:06 PM |
| CPAMAN | $25.00 | $25.00 | 9/29/2009 5:08:38 PM |
| money-vista | $25.00 | $25.00 | 9/29/2009 7:33:09 PM |
| SNL_Svs | $25.00 | $25.00 | 9/29/2009 7:33:16 PM |
| Chiss | $30.00 | $30.00 | 9/30/2009 12:36:26 AM |
| randsenterprise | $25.00 | $25.00 | 9/30/2009 8:52:28 AM |
| jlr613 | $25.00 | $25.00 | 9/30/2009 9:14:48 AM |
| zento | $25.00 | $25.00 | 9/30/2009 9:28:17 AM |
| thrifty-return | $30.00 | $30.00 | 9/30/2009 9:34:39 AM |
| rmachi | $25.00 | $25.00 | 9/30/2009 10:09:51 AM |
| wwwUniversal | $25.00 | $25.00 | 9/30/2009 10:08:13 AM |
| birddogsb | $50.00 | $50.00 | 9/30/2009 10:23:52 AM |
| azncurls82 | $25.00 | $17.51 | 9/30/2009 12:24:33 PM |
| Rodthagod | $50.00 | $50.00 | 9/30/2009 4:41:34 PM |
| icanloanit2u | $25.00 | $25.00 | 10/1/2009 5:41:14 AM |
| bid-papyrus | $25.00 | $25.00 | 10/1/2009 4:29:47 PM |
| scabrendan | $47.42 | $47.42 | 10/2/2009 2:17:01 AM |
| loanman2007 | $75.00 | $75.00 | 10/2/2009 11:39:13 AM |
| Dreams4Cash | $25.00 | $25.00 | 9/28/2009 4:24:54 PM |
| personal-lender | $25.00 | $25.00 | 9/28/2009 4:25:48 PM |
| slcchad | $25.00 | $25.00 | 9/28/2009 4:28:23 PM |
| zone8 | $25.00 | $25.00 | 9/28/2009 4:28:42 PM |
| heroic-benefit | $25.00 | $25.00 | 9/28/2009 4:29:17 PM |
| boghdan2000 | $25.00 | $25.00 | 9/28/2009 4:29:26 PM |
| kegs | $100.00 | $100.00 | 9/28/2009 4:29:37 PM |
| larrybird | $95.00 | $95.00 | 9/28/2009 4:29:46 PM |
| InvestorPartners | $25.00 | $25.00 | 9/28/2009 4:35:26 PM |
| CarDealer3070 | $30.00 | $30.00 | 9/28/2009 4:23:19 PM |
| neighborly-bid | $25.00 | $25.00 | 9/28/2009 4:23:53 PM |
| SNH | $50.00 | $50.00 | 9/28/2009 4:24:10 PM |
| drg6289 | $25.00 | $25.00 | 9/28/2009 4:25:17 PM |
| spitzbergen | $25.00 | $25.00 | 9/28/2009 4:25:52 PM |
| visionary-currency | $25.00 | $25.00 | 9/28/2009 4:24:19 PM |
| Halos2002 | $50.00 | $50.00 | 9/28/2009 4:24:50 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/28/2009 4:27:27 PM |
| treasure-bliss | $50.00 | $50.00 | 9/28/2009 4:29:52 PM |
| GMPK_TLAS | $25.00 | $25.00 | 9/28/2009 4:28:13 PM |
| dcmotorcyclemayhem | $25.00 | $25.00 | 9/28/2009 5:03:51 PM |
| Phantom99 | $25.00 | $25.00 | 9/28/2009 5:04:43 PM |
| Havana21 | $50.00 | $50.00 | 9/28/2009 4:33:03 PM |
| generous-deal6 | $25.00 | $25.00 | 9/28/2009 4:33:22 PM |
| cash-tiramisu | $250.00 | $250.00 | 9/28/2009 5:10:01 PM |
| lillian27 | $25.00 | $25.00 | 9/28/2009 5:10:39 PM |
| SFDiver | $25.00 | $25.00 | 9/28/2009 4:53:48 PM |
| chief_wo | $25.00 | $25.00 | 9/28/2009 4:55:01 PM |
| mmqc | $25.00 | $25.00 | 9/28/2009 4:53:39 PM |
| riversmoke | $25.00 | $25.00 | 9/28/2009 5:05:06 PM |
| WorldlyWorker | $25.00 | $25.00 | 9/28/2009 5:04:17 PM |
| Viamin | $25.00 | $25.00 | 9/28/2009 5:04:48 PM |
| capital-musician9 | $25.00 | $25.00 | 9/28/2009 5:07:23 PM |
| FeedTheMachine | $150.00 | $150.00 | 9/28/2009 5:10:05 PM |
| 87Marc | $25.00 | $25.00 | 9/28/2009 5:07:15 PM |
| Sateesh | $100.00 | $100.00 | 9/28/2009 5:10:07 PM |
| upc_tnt | $25.00 | $25.00 | 9/28/2009 5:13:59 PM |
| Snowflake6515 | $25.00 | $25.00 | 9/29/2009 7:34:59 AM |
| GS_Lending | $25.00 | $25.00 | 9/29/2009 9:26:51 AM |
| inventive-exchange | $25.00 | $25.00 | 9/29/2009 9:34:56 AM |
| eronyc | $25.00 | $25.00 | 9/29/2009 7:37:03 AM |
| flexiboy35 | $25.00 | $25.00 | 9/29/2009 10:24:50 AM |
| momoney2lend | $25.00 | $25.00 | 9/29/2009 2:18:24 PM |
| texrob20 | $25.00 | $25.00 | 9/29/2009 11:17:38 AM |
| affluence-tycoon | $50.00 | $50.00 | 9/29/2009 2:33:35 PM |
| doubledb | $30.00 | $30.00 | 9/29/2009 11:32:03 AM |
| marwadi-62 | $25.00 | $25.00 | 9/29/2009 2:41:53 PM |
| jonn834 | $25.00 | $25.00 | 9/29/2009 12:53:21 PM |
| AntiKris | $25.00 | $25.00 | 9/29/2009 2:11:52 PM |
| saffron4 | $25.00 | $25.00 | 9/29/2009 2:33:04 PM |
| dparkhom | $25.00 | $25.00 | 9/29/2009 4:41:46 PM |
| YQQ | $25.00 | $25.00 | 9/29/2009 5:08:07 PM |
| mathprof | $25.00 | $25.00 | 9/29/2009 5:08:35 PM |
| KiwiElf | $25.00 | $25.00 | 9/29/2009 4:40:48 PM |
| runner262 | $25.00 | $25.00 | 9/29/2009 7:32:48 PM |
| yomanie | $25.00 | $25.00 | 9/29/2009 5:08:46 PM |
| bmbanzai | $25.00 | $25.00 | 9/29/2009 5:03:15 PM |
| dbluesea | $25.00 | $25.00 | 9/29/2009 5:08:08 PM |
| ChrisTJ | $25.00 | $25.00 | 9/29/2009 7:32:47 PM |
| benroo | $25.00 | $25.00 | 9/29/2009 6:02:33 PM |
| Jeff89 | $25.00 | $25.00 | 9/29/2009 7:33:55 PM |
| MicroPod | $25.00 | $25.00 | 9/29/2009 7:32:45 PM |
| wildguy | $25.00 | $25.00 | 9/30/2009 4:24:44 AM |
| Payasoup | $50.00 | $50.00 | 9/30/2009 7:16:35 AM |
| DramaticGopher | $25.00 | $25.00 | 9/30/2009 9:14:32 AM |
| srthsvghdthtr | $25.00 | $25.00 | 9/30/2009 10:09:41 AM |
| jspann | $50.00 | $50.00 | 9/30/2009 9:59:42 AM |
| skro | $25.00 | $25.00 | 9/30/2009 10:08:15 AM |
| Brainworm | $25.00 | $25.00 | 9/30/2009 10:55:11 AM |
| natecam | $25.00 | $25.00 | 9/30/2009 11:29:37 AM |
| MoneyMover | $25.00 | $25.00 | 10/1/2009 7:33:47 AM |
| hellasow | $25.00 | $25.00 | 10/1/2009 6:48:14 PM |
| jybank | $25.00 | $25.00 | 10/1/2009 11:37:18 PM |
| privatebankerva | $25.00 | $25.00 | 10/2/2009 7:55:01 AM |
| 149 bids
|
Borrower Payment Dependent Notes Series
426108
This series of Notes was issued and sold upon the funding of the borrower loan #38888, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Sep-28-2009 |
| |
Auction end date:
| Oct-02-2009 |
|
|
Starting lender yield:
| 21.06% |
Starting borrower rate/APR:
| 22.06% / 24.32% |
Starting monthly payment:
| $267.55 |
|
Final lender yield:
| 19.05% |
Final borrower rate/APR:
| 20.05% / 22.29% |
Final monthly payment:
| $260.32 |
| |
|
Auction yield range:
| 8.27% - 21.06% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 17
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 36 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $20,354 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 74% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| compassion-angel |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Bill consolidation
Purpose of loan:
This loan will be used to pay off some credit cards.
My financial situation:
I am a good candidate for this loan because I have a excellent re-payment history and is able to repay the loan in a timely manner.?
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 870
??Insurance: $ 144
??Car expenses: $ 660?
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $?800
??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) |
|
| youqianderen | $50.00 | $50.00 | 9/28/2009 4:10:04 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/28/2009 4:10:32 PM |
| pbr | $25.00 | $25.00 | 9/28/2009 4:12:07 PM |
| kbodendorf | $25.00 | $25.00 | 9/28/2009 4:12:27 PM |
| mstebnicki | $25.00 | $25.00 | 9/28/2009 4:12:48 PM |
| Dutchhunter | $25.00 | $25.00 | 9/28/2009 4:14:08 PM |
| JohnW12 | $25.00 | $25.00 | 9/28/2009 4:15:01 PM |
| jokerj006 | $25.00 | $25.00 | 9/28/2009 4:15:14 PM |
| Champpilot | $50.00 | $50.00 | 9/28/2009 4:15:34 PM |
| noble-revenue | $100.00 | $100.00 | 9/28/2009 4:16:22 PM |
| Coach2often | $25.00 | $25.00 | 9/28/2009 4:17:31 PM |
| standanddeliver | $25.00 | $25.00 | 9/28/2009 4:18:04 PM |
| hopethisworks | $50.00 | $50.00 | 9/28/2009 4:18:20 PM |
| Savings_EQ_Dignity | $35.00 | $35.00 | 9/28/2009 4:20:56 PM |
| SnE | $25.00 | $25.00 | 9/28/2009 4:21:46 PM |
| F16Pilot | $25.00 | $25.00 | 9/28/2009 4:21:59 PM |
| nikgod | $25.00 | $25.00 | 9/28/2009 4:22:44 PM |
| AF-Chief | $25.00 | $25.00 | 9/28/2009 4:23:03 PM |
| SNH | $50.00 | $50.00 | 9/28/2009 4:24:11 PM |
| fuzed | $25.00 | $25.00 | 9/28/2009 4:25:25 PM |
| westsidehighway | $25.00 | $25.00 | 9/28/2009 4:10:07 PM |
| poeman | $25.00 | $25.00 | 9/28/2009 4:10:23 PM |
| five-star-justice | $36.00 | $36.00 | 9/28/2009 4:27:18 PM |
| tender-gold | $25.00 | $25.00 | 9/28/2009 4:10:39 PM |
| jdnyc | $25.00 | $25.00 | 9/28/2009 4:11:03 PM |
| KLVLOPZ64 | $25.00 | $25.00 | 9/28/2009 4:11:22 PM |
| neighborly-bid | $25.00 | $25.00 | 9/28/2009 4:10:44 PM |
| Weaverville | $50.00 | $50.00 | 9/28/2009 4:11:38 PM |
| rolandweary | $40.00 | $40.00 | 9/28/2009 4:12:09 PM |
| friendly-gold | $25.00 | $25.00 | 9/28/2009 4:11:46 PM |
| brainy-dedication | $25.00 | $25.00 | 9/28/2009 4:12:01 PM |
| martinatime | $25.00 | $25.00 | 9/28/2009 4:12:05 PM |
| hawkhelp | $25.00 | $25.00 | 9/28/2009 4:12:40 PM |
| sambog | $25.00 | $25.00 | 9/28/2009 4:13:17 PM |
| visionary-currency | $50.00 | $50.00 | 9/28/2009 4:14:17 PM |
| gracej | $25.00 | $25.00 | 9/28/2009 4:13:53 PM |
| unitedins | $25.00 | $25.00 | 9/28/2009 4:15:11 PM |
| honorable-yield | $25.00 | $25.00 | 9/28/2009 4:15:19 PM |
| Artist_Blue | $25.00 | $25.00 | 9/28/2009 4:15:26 PM |
| techgnostic | $25.00 | $25.00 | 9/28/2009 4:34:17 PM |
| VentureExplorer | $25.00 | $25.00 | 9/28/2009 4:15:50 PM |
| figs4u2 | $200.00 | $200.00 | 9/28/2009 4:16:11 PM |
| highcountry1 | $25.00 | $25.00 | 9/28/2009 4:34:50 PM |
| aasx1108 | $25.00 | $25.00 | 9/28/2009 4:35:40 PM |
| Exia | $25.00 | $25.00 | 9/28/2009 4:17:04 PM |
| a-healthy-affluence | $50.00 | $50.00 | 9/28/2009 4:36:19 PM |
| anton | $25.00 | $25.00 | 9/28/2009 4:17:11 PM |
| mcarm66 | $25.00 | $25.00 | 9/28/2009 4:36:30 PM |
| MrDavid | $25.00 | $25.00 | 9/28/2009 4:17:48 PM |
| Xaja | $25.00 | $25.00 | 9/28/2009 4:53:46 PM |
| Raser | $25.00 | $25.00 | 9/28/2009 4:53:59 PM |
| MoNeYMaN5 | $25.00 | $25.00 | 9/28/2009 4:54:48 PM |
| dansarkis | $25.00 | $25.00 | 9/28/2009 4:18:46 PM |
| benroo | $25.00 | $25.00 | 9/28/2009 4:55:34 PM |
| theQuietLender | $25.00 | $25.00 | 9/28/2009 4:19:21 PM |
| CPAMAN | $25.00 | $25.00 | 9/28/2009 4:19:57 PM |
| TheMan | $25.00 | $25.00 | 9/28/2009 4:20:31 PM |
| jbarron | $25.00 | $25.00 | 9/28/2009 4:20:38 PM |
| mathprof | $25.00 | $25.00 | 9/28/2009 4:21:41 PM |
| Havana21 | $50.00 | $50.00 | 9/28/2009 4:21:44 PM |
| galtsgulch | $25.00 | $25.00 | 9/28/2009 4:22:42 PM |
| generous-deal6 | $25.00 | $25.00 | 9/28/2009 4:22:59 PM |
| selfmademan | $25.00 | $25.00 | 9/28/2009 4:58:14 PM |
| Trinkaloki | $25.00 | $25.00 | 9/28/2009 4:22:13 PM |
| snoopey100 | $25.00 | $25.00 | 9/28/2009 4:23:37 PM |
| crazycool | $35.00 | $35.00 | 9/28/2009 4:59:11 PM |
| richrobe | $25.00 | $25.00 | 9/28/2009 4:59:18 PM |
| turbine5 | $25.00 | $25.00 | 9/28/2009 4:24:37 PM |
| delivery | $25.00 | $25.00 | 9/28/2009 4:28:06 PM |
| Mantis75 | $25.00 | $25.00 | 9/28/2009 4:28:38 PM |
| seisen | $50.00 | $50.00 | 9/28/2009 4:26:39 PM |
| boghdan2000 | $25.00 | $25.00 | 9/28/2009 4:29:23 PM |
| deal-secret-agent | $25.00 | $25.00 | 9/28/2009 4:29:58 PM |
| louisianalender | $100.00 | $100.00 | 9/28/2009 4:29:13 PM |
| kegs | $100.00 | $100.00 | 9/28/2009 4:29:38 PM |
| Aimvest | $25.00 | $25.00 | 9/28/2009 4:35:08 PM |
| Macarro4 | $25.00 | $25.00 | 9/28/2009 4:35:44 PM |
| rapid-power2 | $25.00 | $25.00 | 9/28/2009 4:35:55 PM |
| TechGuy2 | $25.00 | $25.00 | 9/28/2009 4:36:31 PM |
| two_old_gals | $25.00 | $25.00 | 9/28/2009 4:37:04 PM |
| ribbles | $41.04 | $41.04 | 9/28/2009 4:33:39 PM |
| ctgscott | $25.00 | $25.00 | 9/28/2009 4:33:42 PM |
| victorcab | $35.00 | $35.00 | 9/28/2009 4:34:06 PM |
| SBT | $50.00 | $50.00 | 9/28/2009 4:34:32 PM |
| Bestloans | $50.00 | $50.00 | 9/28/2009 4:34:45 PM |
| bchen78875 | $25.00 | $25.00 | 9/28/2009 4:34:54 PM |
| charity_fundraiser | $50.00 | $50.00 | 9/28/2009 4:53:50 PM |
| d3global | $25.00 | $25.00 | 9/28/2009 4:36:25 PM |
| SFDiver | $25.00 | $25.00 | 9/28/2009 4:53:47 PM |
| sharpchicago | $25.00 | $25.00 | 9/28/2009 4:54:00 PM |
| NELNET | $50.00 | $50.00 | 9/28/2009 4:54:37 PM |
| rmachi | $25.00 | $25.00 | 9/28/2009 4:57:47 PM |
| skuba | $25.00 | $25.00 | 9/28/2009 4:59:12 PM |
| MidnightBank | $25.00 | $25.00 | 9/28/2009 4:59:40 PM |
| finance-vault | $25.00 | $25.00 | 9/28/2009 7:01:30 PM |
| RobinHood | $50.00 | $50.00 | 9/29/2009 3:29:17 PM |
| loanman2007 | $25.00 | $25.00 | 9/29/2009 1:37:16 PM |
| building_community | $25.00 | $25.00 | 10/1/2009 2:15:27 AM |
| Sol_Invictus | $25.00 | $25.00 | 10/1/2009 6:57:52 AM |
| interstellar | $50.00 | $50.00 | 10/1/2009 12:14:31 PM |
| privatebankerva | $25.00 | $25.00 | 10/2/2009 7:59:03 AM |
| hawker | $100.00 | $100.00 | 9/28/2009 4:10:14 PM |
| Katburg | $25.00 | $25.00 | 9/28/2009 4:10:35 PM |
| crenen139 | $25.00 | $25.00 | 9/28/2009 4:10:50 PM |
| lagnisiruk | $25.00 | $25.00 | 9/28/2009 4:11:01 PM |
| PeterV | $25.00 | $25.00 | 9/28/2009 4:11:18 PM |
| inventive-wealth2 | $25.00 | $25.00 | 9/28/2009 4:11:50 PM |
| Syzygy | $25.00 | $25.00 | 9/28/2009 4:12:25 PM |
| Syndication | $25.00 | $25.00 | 9/28/2009 4:12:29 PM |
| rgrtanker | $25.00 | $25.00 | 9/28/2009 4:12:32 PM |
| LenderDan | $100.00 | $100.00 | 9/28/2009 4:13:35 PM |
| RationalWorld | $25.00 | $25.00 | 9/28/2009 4:14:06 PM |
| soldadoz | $25.00 | $25.00 | 9/28/2009 4:14:19 PM |
| coolspeed | $25.00 | $25.00 | 9/28/2009 4:14:56 PM |
| personal-lender | $25.00 | $25.00 | 9/28/2009 4:15:31 PM |
| dinobuddy | $25.00 | $25.00 | 9/28/2009 4:16:16 PM |
| nodrivelpls | $25.00 | $25.00 | 9/28/2009 4:17:20 PM |
| gold-cluster | $25.00 | $25.00 | 9/28/2009 4:18:06 PM |
| educationfirst | $25.00 | $25.00 | 9/28/2009 4:18:26 PM |
| zoomdrm57 | $25.00 | $25.00 | 9/28/2009 4:18:53 PM |
| bmbanzai | $25.00 | $25.00 | 9/28/2009 4:21:15 PM |
| Loan_shark718 | $50.00 | $50.00 | 9/28/2009 4:21:35 PM |
| jresu537 | $25.00 | $25.00 | 9/28/2009 4:22:29 PM |
| E-normous | $25.00 | $25.00 | 9/28/2009 4:22:46 PM |
| bonus-buddy2 | $35.00 | $35.00 | 9/28/2009 4:10:17 PM |
| capital-galaxy | $75.00 | $75.00 | 9/28/2009 4:26:57 PM |
| Dreams4Cash | $25.00 | $25.00 | 9/28/2009 4:10:41 PM |
| Dahlozer | $25.00 | $25.00 | 9/28/2009 4:10:00 PM |
| GMPK_TLAS | $25.00 | $25.00 | 9/28/2009 4:28:14 PM |
| MicroL | $25.00 | $25.00 | 9/28/2009 4:10:11 PM |
| engaging-worth | $30.00 | $30.00 | 9/28/2009 4:10:21 PM |
| silver-armada | $50.00 | $50.00 | 9/28/2009 4:10:26 PM |
| ibuystk | $50.00 | $50.00 | 9/28/2009 4:11:16 PM |
| Dunndeal4u | $25.00 | $25.00 | 9/28/2009 4:12:14 PM |
| funds-dominator | $25.00 | $25.00 | 9/28/2009 4:12:13 PM |
| blessedpair | $25.00 | $25.00 | 9/28/2009 4:12:35 PM |
| Phantom99 | $25.00 | $25.00 | 9/28/2009 4:12:42 PM |
| xstreamin | $25.00 | $25.00 | 9/28/2009 4:12:57 PM |
| Skramar | $25.00 | $25.00 | 9/28/2009 4:13:19 PM |
| yukongin | $25.00 | $25.00 | 9/28/2009 4:13:26 PM |
| RadCad1 | $50.00 | $50.00 | 9/28/2009 4:14:39 PM |
| MARWARISETH | $25.00 | $25.00 | 9/28/2009 4:14:26 PM |
| Halos2002 | $50.00 | $50.00 | 9/28/2009 4:15:07 PM |
| bxdoc | $150.00 | $150.00 | 9/28/2009 4:34:28 PM |
| Aquani | $50.00 | $50.00 | 9/28/2009 4:15:40 PM |
| Skady3love | $25.00 | $25.00 | 9/28/2009 4:34:39 PM |
| wayman | $50.00 | $50.00 | 9/28/2009 4:15:59 PM |
| lillian27 | $25.00 | $25.00 | 9/28/2009 4:34:51 PM |
| exact-justice | $25.00 | $25.00 | 9/28/2009 4:16:08 PM |
| benefit-squirrel | $30.00 | $30.00 | 9/28/2009 4:16:29 PM |
| lending-bear | $25.00 | $25.00 | 9/28/2009 4:16:17 PM |
| InvestorPartners | $25.00 | $25.00 | 9/28/2009 4:35:23 PM |
| riversmoke | $25.00 | $25.00 | 9/28/2009 4:16:23 PM |
| burrito6 | $25.00 | $25.00 | 9/28/2009 4:16:33 PM |
| RickD1003 | $50.00 | $50.00 | 9/28/2009 4:17:07 PM |
| special-responsibility | $25.00 | $25.00 | 9/28/2009 4:16:36 PM |
| djh47a | $25.00 | $25.00 | 9/28/2009 4:16:41 PM |
| power-collider | $25.00 | $25.00 | 9/28/2009 4:36:40 PM |
| GatorBait | $25.00 | $25.00 | 9/28/2009 4:16:47 PM |
| lgs83 | $25.00 | $25.00 | 9/28/2009 4:17:35 PM |
| mmqc | $25.00 | $25.00 | 9/28/2009 4:53:35 PM |
| Jonb6919 | $25.00 | $25.00 | 9/28/2009 4:53:45 PM |
| stampx | $25.00 | $25.00 | 9/28/2009 4:53:52 PM |
| Josta | $50.00 | $50.00 | 9/28/2009 4:19:29 PM |
| kain11286 | $50.00 | $50.00 | 9/28/2009 4:18:28 PM |
| skiberdad | $50.00 | $50.00 | 9/28/2009 4:19:33 PM |
| chekat | $25.00 | $25.00 | 9/28/2009 4:19:47 PM |
| WorldlyWorker | $25.00 | $25.00 | 9/28/2009 4:20:04 PM |
| bss97603 | $25.00 | $25.00 | 9/28/2009 4:20:22 PM |
| lender281 | $25.00 | $25.00 | 9/28/2009 4:19:38 PM |
| Cai8899 | $25.00 | $25.00 | 9/28/2009 4:19:43 PM |
| 888168 | $25.00 | $25.00 | 9/28/2009 4:20:47 PM |
| treasure-ace | $25.00 | $25.00 | 9/28/2009 4:20:06 PM |
| LenderByDay | $25.00 | $25.00 | 9/28/2009 4:21:10 PM |
| icon7 | $25.00 | $25.00 | 9/28/2009 4:20:17 PM |
| justice-dna | $25.00 | $25.00 | 9/28/2009 4:20:50 PM |
| KwikLoan | $25.00 | $25.00 | 9/28/2009 4:21:21 PM |
| Gibbyland | $50.00 | $50.00 | 9/28/2009 4:21:50 PM |
| KiwiElf | $25.00 | $25.00 | 9/28/2009 4:58:10 PM |
| thedreamer | $25.00 | $25.00 | 9/28/2009 4:23:11 PM |
| jgar_O | $25.00 | $25.00 | 9/28/2009 4:22:26 PM |
| CarDealer3070 | $30.00 | $30.00 | 9/28/2009 4:23:20 PM |
| bid-papyrus | $25.00 | $25.00 | 9/28/2009 4:59:15 PM |
| spitzbergen | $25.00 | $25.00 | 9/28/2009 4:25:50 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/28/2009 4:27:24 PM |
| secobarbital | $25.00 | $25.00 | 9/28/2009 4:27:48 PM |
| slcchad | $25.00 | $25.00 | 9/28/2009 4:28:26 PM |
| zone8 | $25.00 | $25.00 | 9/28/2009 4:28:41 PM |
| heroic-benefit | $25.00 | $25.00 | 9/28/2009 4:29:17 PM |
| treasure-bliss | $50.00 | $50.00 | 9/28/2009 4:29:54 PM |
| Shepherd7 | $25.00 | $25.00 | 9/28/2009 4:29:00 PM |
| larrybird | $95.00 | $95.00 | 9/28/2009 4:29:48 PM |
| assetmanager | $25.00 | $25.00 | 9/28/2009 4:34:08 PM |
| czar3 | $30.00 | $30.00 | 9/28/2009 4:36:09 PM |
| income-crescendo1 | $25.00 | $25.00 | 9/28/2009 4:36:33 PM |
| Longtermcapitalmgmt | $25.00 | $25.00 | 9/28/2009 4:37:07 PM |
| rellotsf | $25.00 | $25.00 | 9/28/2009 4:35:34 PM |
| rmcolber | $25.00 | $25.00 | 9/28/2009 4:53:49 PM |
| busybee007 | $25.00 | $25.00 | 9/28/2009 4:36:50 PM |
| MKLInvestments | $25.00 | $25.00 | 9/28/2009 4:54:33 PM |
| chief_wo | $25.00 | $25.00 | 9/28/2009 4:54:59 PM |
| Viamin | $25.00 | $25.00 | 9/28/2009 4:55:04 PM |
| flexiboy35 | $25.00 | $25.00 | 9/28/2009 4:57:07 PM |
| Supernick | $25.00 | $25.00 | 9/28/2009 4:59:07 PM |
| zeelender | $25.00 | $25.00 | 9/28/2009 4:58:11 PM |
| iruz | $30.00 | $30.00 | 9/28/2009 4:59:56 PM |
| elated-justice | $25.00 | $25.00 | 9/28/2009 4:59:05 PM |
| saffron4 | $25.00 | $25.00 | 9/28/2009 4:59:09 PM |
| credit-bloom | $25.00 | $22.96 | 9/28/2009 5:00:16 PM |
| AuroraRobbin | $50.00 | $50.00 | 9/28/2009 5:24:51 PM |
| investment-visionary | $25.00 | $25.00 | 9/29/2009 10:13:13 AM |
| Bank_Of_XL | $50.00 | $50.00 | 9/29/2009 6:46:13 AM |
| zento | $25.00 | $25.00 | 9/30/2009 9:17:45 AM |
| JustMee | $25.00 | $25.00 | 10/2/2009 6:59:18 AM |
| 214 bids
|
Borrower Payment Dependent Notes Series
426534
This series of Notes was issued and sold upon the funding of the borrower loan #38848, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-01-2009 |
| |
Auction end date:
| Oct-09-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 33.00% |
Final borrower rate/APR:
| 34.00% / 38.13% |
Final monthly payment:
| $44.67 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.78% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 620-640 (Sep-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 33 | Length of status: | 2y 8m |
|
Amount delinquent:
| $9 |
Revolving credit balance:
| $12,103 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 39% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| Mags53 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 25 ( 100% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $11,300.00 | < mo. late:
| 0
( 0% )
| 620-640
(Aug-2009)
620-640
(Jul-2009)
720-740
(Apr-2009)
760-780
(Jan-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
DEBT FREE BY 2011
Purpose of loan:
This loan will be used to? CONSOLIDATE 2 SMALLER CREDIT CARDS THAT I HAD TO USE WHILE MY SON WAS IN COLLEGE.? I PAY MY CREDIT CARDS ON TIME AND MORE THAN THE ;MINIMUM AMOUNT.? I WOULD LIKE TO HAVE ONE MONTHLY PAYMENT AND AM WORKING QUITE HARD TO BE DEBT FREE BY EARLY 2011.? SINCE MY CREDIT RATING DROPPED PROBABLY BECAUSE OF MY DEBT TO INCOME RATIO...I AM ASKING FOR SMALLER AMOUNT TO GET MY CREDIT BOOSTED AGAIN.
My financial situation:
I am a good candidate for this loan because? I PAID MY PAST TWO PROSPER LOANS IN HALF THE TIME I WILL DO THE SAME THIS TIME.? I HAVE CHANGED MY LIFESTYLE TO ACCOMPLISH MY DEBT FREE GOAL.? MY HUSBAND MANAGES ALL THE HOUSEHOLD ACCOUNTS SO I CAN CONCENTRATE ON MY DEBT.
Monthly net income: $?1650 ?? ???
Monthly expenses: $ 1400
??Housing: $
??Insurance: $?50
??Car expenses: $?350
??Utilities: $
??Phone, cable, internet: $ 65
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 700
??Other expenses: $ 135
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What kind of expense have you incurred to have your debt jumped that much? Thanks - jybank
A:
My son graduated from college and moved and took awhile to find jobs....between 2 cars we had over $3000 in car repairs...my health insurance pays only 80%, we had some dental work, eye glasses and just gernal meds several thousand dollars. My secnod son got laid off and began college....he had some car needs and just the general expenses of getting books for college etc. none of this was foolish spending. I am a pretty frugal person generally.
(Oct-08-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 10/1/2009 3:49:27 PM |
| frugalinvestor20 | $25.00 | $25.00 | 10/1/2009 3:50:26 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 10/2/2009 4:21:44 PM |
| Unitas4302 | $100.00 | $100.00 | 10/3/2009 10:12:44 PM |
| loanman2007 | $100.00 | $100.00 | 10/4/2009 8:00:41 AM |
| foothillender | $25.00 | $25.00 | 10/4/2009 11:43:14 AM |
| CoolPlexer | $25.00 | $25.00 | 10/5/2009 4:16:38 PM |
| buffalobills | $25.00 | $25.00 | 10/6/2009 9:18:27 AM |
| noble-revenue | $25.00 | $25.00 | 10/6/2009 10:51:57 AM |
| momentous-gold | $25.00 | $25.00 | 10/6/2009 6:29:38 PM |
| jybank | $25.00 | $25.00 | 10/8/2009 9:43:24 AM |
| festivecpl | $25.00 | $25.00 | 10/2/2009 6:16:45 AM |
| zydeco337 | $25.00 | $25.00 | 10/2/2009 1:48:55 PM |
| shrewd-asset | $25.00 | $25.00 | 10/3/2009 6:14:14 PM |
| mrbill5548 | $50.00 | $50.00 | 10/3/2009 10:14:28 PM |
| madmoney618 | $50.00 | $50.00 | 10/4/2009 5:26:55 PM |
| SFBank | $50.00 | $41.65 | 10/4/2009 4:39:07 PM |
| ceoat32 | $50.00 | $50.00 | 10/5/2009 10:24:26 AM |
| Kqwik | $25.00 | $25.00 | 10/5/2009 1:03:11 PM |
| AtlantistoXanadu | $50.00 | $50.00 | 10/5/2009 6:48:58 PM |
| Credit2Prosper | $25.00 | $25.00 | 10/5/2009 4:54:40 PM |
| tdorren | $28.35 | $28.35 | 10/7/2009 10:13:11 AM |
| etraboulay | $50.00 | $50.00 | 10/7/2009 5:48:33 PM |
| SCIGIE | $25.00 | $25.00 | 10/7/2009 6:46:55 PM |
| master648 | $30.00 | $30.00 | 10/8/2009 3:28:08 PM |
| generous-deal6 | $50.00 | $50.00 | 10/8/2009 6:56:59 PM |
| FollowMe2Freedom | $25.00 | $25.00 | 10/8/2009 7:30:24 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
427354
This series of Notes was issued and sold upon the funding of the borrower loan #38832, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,750.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-07-2009 |
| |
Auction end date:
| Oct-09-2009 |
|
|
Starting lender yield:
| 26.47% |
Starting borrower rate/APR:
| 27.47% / 29.81% |
Starting monthly payment:
| $71.89 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $70.84 |
| |
|
Auction yield range:
| 11.27% - 26.47% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.72% | | |
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:
| 7 |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 640-660 (Oct-2009) |
Current / open credit lines:
| 4
/
3 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 2 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| NingxiaRed-OmegaBlue |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 600-620
(Sep-2008)
|
|
Principal balance:
| $1,437.07 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Bio-feedback machine and Reshapers
Purpose of loan:
This loan will be used to?
purchase a Bio-feedback machine costing $399 and a monthly fee of $39.99. It gives a detail report as to which essential oils,dietary supplement, or hebal supplement is best for a person's body chemistry. I also want to add reshaping garments from Ardyss International to my weight loss line. The garments range in cost from $50-$175 retail. I want to purchase 10 and have try-before-you-buy showcases. The rest of the money will be spent on advertising and marketing.
My financial situation:
I am a good candidate for this loan because?
worked for 10 years and operated a home-based business for 2 years. My business is registered and licensed by the state of NC.
Monthly net income: $
1900
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $470
??Utilities: $
??Phone, cable, internet: $ 170
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $430
??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) |
|
| snoopey100 | $25.00 | $25.00 | 10/7/2009 4:30:08 PM |
| GMPK_TLAS | $25.00 | $25.00 | 10/7/2009 4:30:26 PM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/7/2009 4:30:50 PM |
| birddogsb | $50.00 | $50.00 | 10/7/2009 4:34:12 PM |
| Dreams4Cash | $25.00 | $25.00 | 10/7/2009 4:34:37 PM |
| capital-albatross | $25.00 | $25.00 | 10/7/2009 4:35:06 PM |
| visionary-currency | $25.00 | $25.00 | 10/7/2009 4:30:13 PM |
| personal-lender | $25.00 | $25.00 | 10/7/2009 4:30:17 PM |
| honorable-yield | $25.00 | $25.00 | 10/7/2009 4:31:02 PM |
| tsquared_030 | $25.00 | $25.00 | 10/7/2009 4:31:07 PM |
| leverage-trident | $25.00 | $25.00 | 10/7/2009 4:31:14 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 10/7/2009 6:01:10 PM |
| coolspeed | $25.00 | $25.00 | 10/7/2009 6:01:32 PM |
| mystical-power | $25.00 | $25.00 | 10/7/2009 6:06:24 PM |
| dahburbb | $25.00 | $25.00 | 10/7/2009 6:16:09 PM |
| lagnisiruk | $25.00 | $25.00 | 10/7/2009 4:30:10 PM |
| heroic-benefit | $25.00 | $25.00 | 10/7/2009 4:30:31 PM |
| fcb202 | $25.00 | $25.00 | 10/7/2009 4:30:36 PM |
| Mantis75 | $25.00 | $25.00 | 10/7/2009 4:34:20 PM |
| Savings_EQ_Dignity | $25.00 | $25.00 | 10/7/2009 4:31:25 PM |
| CarDealer3070 | $30.00 | $30.00 | 10/7/2009 4:34:15 PM |
| Havana21 | $100.00 | $100.00 | 10/7/2009 4:34:21 PM |
| shiny-dollar9 | $25.00 | $25.00 | 10/7/2009 7:21:09 PM |
| richrobe | $25.00 | $25.00 | 10/7/2009 6:01:36 PM |
| secobarbital | $25.00 | $25.00 | 10/7/2009 4:30:22 PM |
| Shepherd7 | $25.00 | $25.00 | 10/7/2009 4:30:28 PM |
| deal-secret-agent | $25.00 | $25.00 | 10/7/2009 4:30:32 PM |
| InvestorPartners | $25.00 | $25.00 | 10/7/2009 4:33:59 PM |
| thedreamer | $25.00 | $25.00 | 10/7/2009 4:34:14 PM |
| seisen | $50.00 | $50.00 | 10/7/2009 4:34:19 PM |
| zone8 | $100.00 | $100.00 | 10/7/2009 4:27:53 PM |
| Artist_Blue | $25.00 | $25.00 | 10/7/2009 4:34:48 PM |
| Georgetastic | $25.00 | $25.00 | 10/7/2009 4:36:28 PM |
| icon7 | $25.00 | $25.00 | 10/7/2009 4:30:20 PM |
| delivery | $25.00 | $25.00 | 10/7/2009 4:30:24 PM |
| louisianalender | $100.00 | $100.00 | 10/7/2009 4:30:31 PM |
| project07 | $25.00 | $25.00 | 10/7/2009 6:01:05 PM |
| SNH | $50.00 | $50.00 | 10/7/2009 4:30:12 PM |
| spitzbergen | $25.00 | $25.00 | 10/7/2009 4:30:18 PM |
| anton | $25.00 | $25.00 | 10/7/2009 4:30:27 PM |
| rapid-power2 | $25.00 | $25.00 | 10/7/2009 4:33:59 PM |
| jonn834 | $25.00 | $25.00 | 10/7/2009 4:34:09 PM |
| treasure-bliss | $35.96 | $35.96 | 10/7/2009 4:34:16 PM |
| loanfairy | $25.00 | $25.00 | 10/7/2009 4:35:02 PM |
| wildguy | $25.00 | $25.00 | 10/7/2009 4:32:01 PM |
| capital-galaxy | $75.00 | $75.00 | 10/7/2009 4:32:03 PM |
| neighborly-bid | $25.00 | $25.00 | 10/7/2009 6:01:18 PM |
| slcchad | $25.00 | $25.00 | 10/7/2009 6:01:20 PM |
| gracej | $25.00 | $25.00 | 10/7/2009 4:33:52 PM |
| RadCad1 | $25.00 | $25.00 | 10/7/2009 6:01:33 PM |
| flexiboy35 | $25.00 | $25.00 | 10/7/2009 5:26:43 PM |
| boghdan2000 | $25.00 | $25.00 | 10/7/2009 6:01:35 PM |
| blackbird02 | $25.00 | $9.04 | 10/7/2009 10:06:05 PM |
| marwadi-62 | $50.00 | $50.00 | 10/8/2009 5:49:04 PM |
| bondhedger | $25.00 | $25.00 | 10/9/2009 7:38:56 AM |
| 55 bids
|