Sales Report:Supplement No. 63 dated Oct 21, 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
426219
This series of Notes was issued and sold upon the funding of the borrower loan #39019, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $20,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Sep-29-2009 |
| |
Auction end date:
| Oct-13-2009 |
|
|
Starting lender yield:
| 11.99% |
Starting borrower rate/APR:
| 12.99% / 13.34% |
Starting monthly payment:
| $673.78 |
|
Final lender yield:
| 10.00% |
Final borrower rate/APR:
| 11.00% / 11.35% |
Final monthly payment:
| $654.77 |
| |
|
Auction yield range:
| 3.27% - 11.99% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 800-820 (Sep-2009) |
Current / open credit lines:
| 14
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 33 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,852 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 5% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| the-innocent-penny |
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
Home Improvement and Furnishings
Purpose of loan:
This loan will be used to repair home (painting, railings, kitchen counters, etc).? It will also be used for home furnishings (sofa, entertainment center, beds, etc)
My financial situation:
I am a good candidate for this loan because I have an excellent credit history and also a great score (750+ as of 09/29/2009).? I have only a few payments. 1st one is my student loan ($126/month) - I pay $200 and I am way ahead of my schedule - I also have been paying since 4 years. The other payment is a BMW lease that has 1 payment remaining (to be paid Oct 3rd).? My mortgage is paid for by renters.? I have an monthly income of $7083.
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 will you do with the car after the lease? - jybank
A:
I have already returned the car and bought another used car - paid in full.
(Oct-09-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DukSerduk | $25.00 | $25.00 | 9/29/2009 4:14:06 PM |
| bchen78875 | $50.00 | $50.00 | 9/29/2009 4:14:15 PM |
| kinetic-diversification | $50.00 | $50.00 | 9/29/2009 4:14:42 PM |
| loaninvesting | $25.00 | $25.00 | 9/29/2009 4:15:18 PM |
| djh47a | $40.00 | $40.00 | 9/29/2009 4:15:59 PM |
| Havana21 | $50.00 | $50.00 | 9/29/2009 4:16:45 PM |
| kid8549 | $25.00 | $25.00 | 9/29/2009 4:17:09 PM |
| transparency-giant | $50.00 | $50.00 | 9/29/2009 4:17:20 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/29/2009 4:17:59 PM |
| generous-deal6 | $25.00 | $25.00 | 9/29/2009 4:18:29 PM |
| icon7 | $25.00 | $25.00 | 9/29/2009 4:18:55 PM |
| dealarella | $25.00 | $25.00 | 9/29/2009 4:19:05 PM |
| Banker7371 | $25.00 | $25.00 | 9/29/2009 4:15:43 PM |
| anton | $50.00 | $50.00 | 9/29/2009 4:15:54 PM |
| turbine5 | $40.00 | $40.00 | 9/29/2009 4:16:33 PM |
| larrybird | $95.00 | $95.00 | 9/29/2009 4:17:15 PM |
| fortytwo | $200.00 | $200.00 | 9/29/2009 4:17:27 PM |
| Cai8899 | $25.00 | $25.00 | 9/29/2009 4:17:38 PM |
| InvestorPartners | $25.00 | $25.00 | 9/29/2009 4:17:44 PM |
| MONEYLENDER101 | $100.00 | $100.00 | 9/29/2009 4:19:10 PM |
| crenen139 | $25.00 | $25.00 | 9/29/2009 4:15:01 PM |
| the-auction-lotus | $25.00 | $25.00 | 9/29/2009 4:15:22 PM |
| degster | $25.00 | $25.00 | 9/29/2009 4:16:28 PM |
| thedreamer | $25.00 | $25.00 | 9/29/2009 4:17:40 PM |
| income-crescendo1 | $25.00 | $25.00 | 9/29/2009 4:18:07 PM |
| credit-investor5 | $50.00 | $50.00 | 9/29/2009 4:19:08 PM |
| Iwantahelp | $25.00 | $25.00 | 9/29/2009 4:41:15 PM |
| Merganser | $25.00 | $25.00 | 9/29/2009 8:18:16 PM |
| KwikLoan | $25.00 | $25.00 | 9/29/2009 4:52:20 PM |
| busybee007 | $25.00 | $25.00 | 9/29/2009 9:26:52 PM |
| IndianChief | $25.00 | $25.00 | 9/29/2009 6:17:06 PM |
| Wachocia | $25.00 | $25.00 | 9/29/2009 9:16:52 PM |
| MidnightBank | $25.00 | $25.00 | 9/29/2009 7:31:02 PM |
| unk1911 | $50.00 | $50.00 | 9/29/2009 9:26:54 PM |
| a-responsible-return | $25.00 | $25.00 | 9/30/2009 9:35:16 AM |
| jga516 | $25.00 | $25.00 | 9/30/2009 9:35:49 AM |
| gauss02 | $25.00 | $25.00 | 9/30/2009 10:23:33 AM |
| Cheburashka | $25.00 | $25.00 | 9/30/2009 10:39:43 AM |
| lenderme | $25.00 | $25.00 | 9/30/2009 11:14:27 AM |
| Dazz2061 | $25.00 | $25.00 | 9/30/2009 10:45:35 AM |
| buckyhead2000 | $25.00 | $25.00 | 9/30/2009 10:47:24 AM |
| andrewgl | $25.00 | $25.00 | 9/30/2009 12:41:47 PM |
| loner001 | $25.00 | $25.00 | 9/30/2009 2:04:42 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 9/30/2009 4:24:45 PM |
| Syzygy | $25.00 | $25.00 | 9/30/2009 6:44:28 PM |
| point-zebra | $25.00 | $25.00 | 9/30/2009 8:15:28 PM |
| MrGhost | $25.00 | $25.00 | 10/1/2009 4:39:50 AM |
| nzlxjwek | $25.00 | $25.00 | 10/1/2009 10:57:55 AM |
| selector568 | $100.00 | $100.00 | 10/1/2009 3:39:38 PM |
| SASBANK | $25.00 | $25.00 | 10/1/2009 4:25:51 PM |
| julijask | $25.00 | $25.00 | 10/1/2009 4:49:55 PM |
| Gibbyland | $25.00 | $25.00 | 10/1/2009 4:55:42 PM |
| orange-resolute-platinum | $25.00 | $25.00 | 10/2/2009 5:29:53 AM |
| wise-repayment-kayak | $25.00 | $25.00 | 10/2/2009 6:14:43 AM |
| fllnstrnova | $25.00 | $25.00 | 10/2/2009 9:34:53 AM |
| radiant-cash | $100.00 | $100.00 | 10/2/2009 7:44:59 AM |
| greeninspirit | $25.00 | $25.00 | 10/2/2009 1:54:31 PM |
| Davidson2 | $25.00 | $25.00 | 10/2/2009 1:49:51 PM |
| suicideducky | $25.00 | $25.00 | 10/2/2009 3:41:07 PM |
| abidos | $25.00 | $25.00 | 10/2/2009 3:29:30 PM |
| Cpay2Me | $25.00 | $25.00 | 10/2/2009 10:34:37 PM |
| lewislewis | $25.00 | $25.00 | 10/3/2009 10:34:34 AM |
| financelover | $50.00 | $50.00 | 10/4/2009 12:34:34 PM |
| jgar_O | $30.00 | $30.00 | 10/4/2009 9:05:02 AM |
| Halos2002 | $50.00 | $50.00 | 10/4/2009 6:16:51 PM |
| aajwm | $43.21 | $43.21 | 10/4/2009 7:39:34 PM |
| Copa16 | $25.00 | $25.00 | 10/4/2009 10:49:39 PM |
| phaded | $25.00 | $25.00 | 10/5/2009 10:04:27 AM |
| inventive-wealth2 | $25.00 | $25.00 | 10/5/2009 8:24:59 AM |
| AF-Chief | $35.00 | $35.00 | 10/5/2009 8:25:07 AM |
| danthemon35 | $25.00 | $25.00 | 10/5/2009 12:00:28 PM |
| Kame | $25.00 | $25.00 | 10/5/2009 1:19:26 PM |
| lagnisiruk | $25.00 | $25.00 | 10/5/2009 1:01:21 PM |
| jktravl | $25.00 | $25.00 | 10/5/2009 2:54:34 PM |
| Cherrypicker06 | $25.00 | $25.00 | 10/5/2009 3:44:36 PM |
| RadCad1 | $50.00 | $50.00 | 10/5/2009 4:35:14 PM |
| irishcocacola | $25.00 | $25.00 | 10/5/2009 4:34:58 PM |
| CPAMAN | $25.00 | $25.00 | 10/5/2009 4:53:43 PM |
| DadWarbucks | $50.00 | $50.00 | 10/5/2009 4:48:21 PM |
| Hexnut | $50.00 | $50.00 | 10/5/2009 4:49:14 PM |
| chief_wo | $25.00 | $25.00 | 10/5/2009 5:00:51 PM |
| jt88 | $25.00 | $25.00 | 10/5/2009 4:53:44 PM |
| superchicken | $25.00 | $25.00 | 10/5/2009 11:16:27 PM |
| JJS180 | $25.00 | $25.00 | 10/6/2009 1:06:02 AM |
| slartibardfast | $28.05 | $28.05 | 10/5/2009 8:49:27 PM |
| grallu | $50.00 | $50.00 | 10/6/2009 4:31:29 AM |
| Phillip298 | $25.00 | $25.00 | 10/6/2009 9:31:59 AM |
| nicklds | $25.00 | $25.00 | 10/6/2009 1:46:16 PM |
| szetheli | $50.00 | $50.00 | 10/6/2009 1:51:57 PM |
| currency-persimmon | $25.00 | $25.00 | 10/6/2009 9:31:53 AM |
| Viamin | $25.00 | $25.00 | 10/6/2009 2:20:12 PM |
| BayShell | $40.00 | $40.00 | 10/6/2009 2:20:57 PM |
| langdonx | $40.78 | $40.78 | 10/6/2009 1:58:39 PM |
| tonomud | $25.00 | $25.00 | 10/6/2009 6:11:02 PM |
| Jassi | $25.00 | $25.00 | 10/6/2009 4:55:57 PM |
| trade-watcher | $25.00 | $25.00 | 10/6/2009 4:56:14 PM |
| slowpig | $25.00 | $25.00 | 10/7/2009 7:11:13 AM |
| uncleegg | $25.00 | $25.00 | 10/7/2009 7:11:16 AM |
| ujiba | $25.00 | $25.00 | 10/7/2009 9:32:41 AM |
| icefish | $31.18 | $31.18 | 10/7/2009 1:56:09 PM |
| zeelender | $25.00 | $25.00 | 10/7/2009 10:35:10 AM |
| gold-cluster | $25.00 | $25.00 | 10/7/2009 3:16:06 PM |
| LizzieMN | $25.00 | $25.00 | 10/7/2009 12:31:26 PM |
| salala | $25.00 | $25.00 | 10/7/2009 11:46:30 AM |
| FlexFunding | $100.00 | $100.00 | 10/7/2009 2:34:11 PM |
| biagbigmoney | $50.00 | $50.00 | 10/7/2009 2:07:13 PM |
| ClearLake | $25.00 | $25.00 | 10/7/2009 2:08:59 PM |
| best-marketologist | $25.00 | $25.00 | 10/7/2009 5:58:32 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/7/2009 5:17:13 PM |
| pubnat | $25.00 | $25.00 | 10/8/2009 9:34:42 AM |
| ADenny | $25.00 | $25.00 | 10/8/2009 9:32:54 AM |
| help_each_other | $25.00 | $25.00 | 10/8/2009 11:41:15 AM |
| sail120 | $25.00 | $25.00 | 10/8/2009 9:11:59 AM |
| shopzone | $25.00 | $25.00 | 10/8/2009 1:01:58 PM |
| spname | $25.00 | $25.00 | 10/8/2009 9:32:33 AM |
| TK4 | $25.00 | $25.00 | 10/8/2009 1:36:15 PM |
| discrete-asset | $25.00 | $25.00 | 10/8/2009 3:37:08 PM |
| Sofar | $25.00 | $25.00 | 10/8/2009 1:31:08 PM |
| rdextra | $25.00 | $25.00 | 10/8/2009 1:36:14 PM |
| NoVALending | $25.00 | $25.00 | 10/8/2009 1:57:55 PM |
| latestone | $25.00 | $25.00 | 10/8/2009 2:16:18 PM |
| shawnw2 | $50.00 | $50.00 | 10/8/2009 2:41:11 PM |
| BoughtTheFarm | $25.00 | $25.00 | 10/8/2009 3:56:10 PM |
| b-rent | $25.00 | $25.00 | 10/8/2009 5:01:03 PM |
| giannyny | $25.00 | $25.00 | 10/8/2009 5:16:26 PM |
| stormwatch | $25.00 | $25.00 | 10/8/2009 5:16:50 PM |
| Skramar | $25.00 | $25.00 | 10/8/2009 5:16:52 PM |
| Coach2often | $50.00 | $50.00 | 10/8/2009 5:16:55 PM |
| Rendely | $25.00 | $25.00 | 10/8/2009 5:17:03 PM |
| mikeandcat | $25.68 | $25.68 | 10/8/2009 5:17:11 PM |
| newest-unique-integrity | $25.00 | $25.00 | 10/8/2009 5:17:18 PM |
| kenyonhillbilly | $50.00 | $50.00 | 10/8/2009 5:17:20 PM |
| AP2PLender | $25.00 | $25.00 | 10/8/2009 5:17:41 PM |
| highcountry1 | $25.00 | $25.00 | 10/8/2009 5:17:44 PM |
| NATIVEBORN | $39.07 | $39.07 | 10/8/2009 5:18:16 PM |
| friendlyviking | $25.00 | $25.00 | 10/8/2009 5:18:18 PM |
| Railbird | $25.00 | $25.00 | 10/8/2009 5:18:24 PM |
| seasportsguy | $25.00 | $25.00 | 10/8/2009 5:19:40 PM |
| Castellan | $25.00 | $25.00 | 10/8/2009 5:19:46 PM |
| dumbass | $25.00 | $25.00 | 10/8/2009 5:20:23 PM |
| miked8303 | $25.00 | $25.00 | 10/8/2009 5:16:12 PM |
| courteous-platinum6 | $50.00 | $50.00 | 10/8/2009 5:16:47 PM |
| Moby | $37.75 | $37.75 | 10/8/2009 5:16:53 PM |
| cpy911 | $25.00 | $25.00 | 10/8/2009 5:16:57 PM |
| reefer | $35.46 | $35.46 | 10/8/2009 5:17:02 PM |
| crossborders | $25.00 | $25.00 | 10/8/2009 5:17:05 PM |
| ctgscott | $25.00 | $25.00 | 10/8/2009 5:17:12 PM |
| pipopirate | $25.00 | $25.00 | 10/8/2009 5:17:19 PM |
| rulender | $36.97 | $36.97 | 10/8/2009 5:18:01 PM |
| milehighguy | $50.00 | $50.00 | 10/8/2009 5:18:23 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/8/2009 6:13:19 PM |
| Goodlender42 | $25.00 | $25.00 | 10/8/2009 5:19:28 PM |
| engaging-worth | $30.00 | $30.00 | 10/8/2009 5:19:38 PM |
| Ven58 | $25.00 | $25.00 | 10/8/2009 5:20:29 PM |
| mrfrog | $25.00 | $25.00 | 10/8/2009 5:16:17 PM |
| DrStaff | $52.54 | $52.54 | 10/8/2009 5:16:28 PM |
| GenerousGentleMan | $27.49 | $27.49 | 10/8/2009 5:16:41 PM |
| Westerly | $46.23 | $46.23 | 10/8/2009 5:16:47 PM |
| nuclearmoose | $25.00 | $25.00 | 10/8/2009 5:16:51 PM |
| JnL | $25.00 | $25.00 | 10/8/2009 5:16:55 PM |
| lgs83 | $25.00 | $25.00 | 10/8/2009 5:16:59 PM |
| albatross897 | $25.00 | $25.00 | 10/8/2009 5:17:00 PM |
| geekguy | $25.00 | $25.00 | 10/8/2009 7:26:31 PM |
| CorporateT00l | $25.00 | $25.00 | 10/8/2009 5:17:06 PM |
| rose88 | $25.00 | $25.00 | 10/8/2009 5:17:17 PM |
| WorldlyWorker | $25.00 | $25.00 | 10/8/2009 5:17:44 PM |
| QuinMccoy | $25.00 | $25.00 | 10/8/2009 5:17:58 PM |
| BoutYeBank | $25.00 | $25.00 | 10/8/2009 5:18:02 PM |
| Avala | $25.00 | $25.00 | 10/8/2009 5:18:15 PM |
| RickD1003 | $50.00 | $50.00 | 10/8/2009 5:18:21 PM |
| BuckNaikid | $25.00 | $25.00 | 10/8/2009 5:18:27 PM |
| pseudokris | $25.00 | $25.00 | 10/8/2009 5:19:32 PM |
| kayakg | $25.00 | $25.00 | 10/8/2009 5:20:39 PM |
| Credit2Prosper | $47.50 | $47.50 | 10/8/2009 5:26:38 PM |
| James_and_Tracy | $25.00 | $25.00 | 10/8/2009 9:06:33 PM |
| BSr | $25.00 | $25.00 | 10/9/2009 4:43:50 AM |
| unclejaef | $25.00 | $25.00 | 10/8/2009 10:21:20 PM |
| Castelj | $25.00 | $25.00 | 10/9/2009 6:08:54 AM |
| USMC0311 | $25.00 | $25.00 | 10/9/2009 12:03:49 AM |
| cawdrw2002 | $25.00 | $25.00 | 10/9/2009 6:34:16 AM |
| outofoffice | $50.00 | $50.00 | 10/8/2009 7:40:44 PM |
| mcabery | $200.00 | $200.00 | 10/9/2009 2:44:19 AM |
| ALL-PRIME | $25.00 | $25.00 | 10/9/2009 2:48:57 AM |
| lostontheedge | $25.00 | $25.00 | 10/9/2009 6:35:31 AM |
| Dave0 | $25.00 | $25.00 | 10/9/2009 6:04:03 AM |
| project07 | $25.00 | $25.00 | 10/8/2009 8:36:02 PM |
| Ellisdee | $50.00 | $50.00 | 10/9/2009 6:34:21 AM |
| ILfarmboy | $30.39 | $30.39 | 10/9/2009 6:34:26 AM |
| Geedub | $40.15 | $40.15 | 10/9/2009 6:34:31 AM |
| HibbyD | $35.00 | $35.00 | 10/9/2009 6:35:22 AM |
| wealth-mogul534 | $25.00 | $25.00 | 10/9/2009 7:23:47 AM |
| bid-papyrus | $25.00 | $25.00 | 10/9/2009 6:37:17 AM |
| Tiger86 | $25.00 | $25.00 | 10/9/2009 6:39:01 AM |
| skistud66 | $25.00 | $25.00 | 10/9/2009 8:40:01 AM |
| SS123 | $25.00 | $25.00 | 10/9/2009 6:40:47 AM |
| turbostar666 | $40.26 | $40.26 | 10/9/2009 6:41:23 AM |
| Iowa65 | $35.00 | $35.00 | 10/9/2009 6:34:19 AM |
| Independenttools | $25.00 | $25.00 | 10/9/2009 6:34:27 AM |
| RandomMonkey | $25.00 | $25.00 | 10/9/2009 6:34:30 AM |
| rmsyvt | $25.00 | $25.00 | 10/9/2009 6:34:35 AM |
| justalender | $25.00 | $25.00 | 10/9/2009 6:35:05 AM |
| BigCityLending | $25.00 | $25.00 | 10/9/2009 6:35:13 AM |
| jwood3030 | $25.00 | $25.00 | 10/9/2009 6:35:39 AM |
| yenom | $25.00 | $25.00 | 10/9/2009 6:35:46 AM |
| BklynLender | $25.00 | $25.00 | 10/9/2009 6:35:53 AM |
| Barbaro | $25.00 | $25.00 | 10/9/2009 6:36:56 AM |
| fireupthegrill | $25.00 | $25.00 | 10/9/2009 10:23:43 AM |
| merlin981 | $50.00 | $50.00 | 10/9/2009 6:39:35 AM |
| Searlzy | $25.00 | $25.00 | 10/9/2009 10:53:52 AM |
| kayden | $25.00 | $25.00 | 10/9/2009 9:33:47 AM |
| anakinsolo | $25.00 | $25.00 | 10/9/2009 9:34:43 AM |
| pbandjb | $25.00 | $25.00 | 10/9/2009 6:49:24 AM |
| TCayce | $25.00 | $25.00 | 10/9/2009 11:34:02 AM |
| YellowJacket | $25.00 | $25.00 | 10/9/2009 11:09:01 AM |
| KBank | $25.00 | $25.00 | 10/9/2009 11:38:58 AM |
| Aleut | $25.00 | $25.00 | 10/9/2009 11:49:47 AM |
| Bearls | $25.00 | $25.00 | 10/9/2009 2:29:06 PM |
| halfpintc | $25.00 | $25.00 | 10/9/2009 11:58:49 AM |
| faldska | $25.00 | $25.00 | 10/9/2009 10:28:48 AM |
| dollars4debts | $25.00 | $25.00 | 10/9/2009 3:14:12 PM |
| Hamachi | $50.00 | $50.00 | 10/9/2009 4:17:50 PM |
| jbadawg1017 | $25.00 | $25.00 | 10/10/2009 7:33:43 AM |
| ManhattanLender | $25.00 | $25.00 | 10/10/2009 11:48:49 AM |
| SourDoughSteve | $25.00 | $25.00 | 10/10/2009 12:23:54 PM |
| MarbieMilo | $50.00 | $50.00 | 10/10/2009 7:57:37 PM |
| schubper | $50.00 | $50.00 | 10/10/2009 4:02:11 PM |
| loanman2007 | $75.00 | $75.00 | 10/10/2009 4:04:47 PM |
| Gold_Coin | $25.00 | $25.00 | 10/11/2009 11:44:57 AM |
| bkb7484 | $25.00 | $25.00 | 10/10/2009 10:20:06 PM |
| Flash80 | $100.00 | $100.00 | 10/10/2009 7:43:23 PM |
| kc_dude | $25.00 | $25.00 | 10/11/2009 6:57:41 PM |
| alexandlily | $50.00 | $50.00 | 10/11/2009 7:39:23 PM |
| LEBO | $25.00 | $25.00 | 10/12/2009 12:23:43 PM |
| MasterKey | $25.00 | $25.00 | 10/12/2009 5:23:46 AM |
| orgy63 | $100.00 | $100.00 | 10/12/2009 7:49:46 AM |
| jojo6686 | $150.00 | $150.00 | 10/12/2009 1:40:04 PM |
| Bigsaver | $25.00 | $25.00 | 10/12/2009 2:44:20 PM |
| nashibaksi | $25.00 | $25.00 | 10/12/2009 5:59:13 PM |
| libertas67 | $25.00 | $25.00 | 10/12/2009 9:50:35 PM |
| oldman68 | $25.00 | $25.00 | 10/12/2009 11:05:13 PM |
| freestyle624 | $25.00 | $25.00 | 10/12/2009 5:59:26 PM |
| knuttz77 | $50.00 | $50.00 | 10/12/2009 6:28:26 PM |
| hope-lionheart1 | $50.00 | $50.00 | 10/12/2009 9:06:19 PM |
| erowis | $50.00 | $50.00 | 10/12/2009 11:12:24 PM |
| sunnygee | $25.61 | $25.61 | 10/13/2009 6:21:59 AM |
| OzGuy609 | $25.00 | $25.00 | 10/13/2009 6:02:48 AM |
| vineet | $25.00 | $25.00 | 10/13/2009 6:41:46 AM |
| Vans1975 | $100.00 | $100.00 | 10/13/2009 6:48:05 AM |
| catalystcf | $25.00 | $25.00 | 10/13/2009 7:34:26 AM |
| FOFagent1 | $150.00 | $150.00 | 10/13/2009 5:02:17 AM |
| zhiguli | $50.00 | $50.00 | 10/13/2009 9:23:51 AM |
| CaptainKirk | $75.00 | $75.00 | 10/13/2009 6:19:46 AM |
| ManilaBoy40 | $100.00 | $100.00 | 10/13/2009 6:44:01 AM |
| scrabbler | $25.00 | $25.00 | 10/13/2009 8:11:15 AM |
| OoM | $25.00 | $25.00 | 10/13/2009 9:49:59 AM |
| welovebutterflies | $50.00 | $50.00 | 10/13/2009 9:04:59 AM |
| JTHarris | $100.00 | $100.00 | 10/13/2009 9:36:50 AM |
| rapid-balance | $50.00 | $50.00 | 10/13/2009 10:14:48 AM |
| Aubrei | $25.00 | $25.00 | 10/13/2009 10:49:14 AM |
| webwesen | $25.00 | $25.00 | 10/13/2009 1:59:25 PM |
| Pressure_Drop | $200.00 | $200.00 | 10/13/2009 11:56:17 AM |
| LAKETIME | $25.00 | $25.00 | 10/13/2009 2:30:24 PM |
| reflective-rupee | $25.00 | $25.00 | 10/13/2009 12:40:06 PM |
| afcme | $25.00 | $25.00 | 10/13/2009 2:01:41 PM |
| jcquiroz | $50.00 | $50.00 | 10/13/2009 2:08:59 PM |
| ptjg | $50.00 | $50.00 | 10/13/2009 3:43:17 PM |
| InAFoodComa | $102.85 | $102.85 | 10/13/2009 3:52:20 PM |
| inforapenny | $25.00 | $25.00 | 10/13/2009 2:38:56 PM |
| HoyaHeel | $30.88 | $30.88 | 10/13/2009 2:53:44 PM |
| Jiangtao | $25.00 | $25.00 | 10/13/2009 3:03:53 PM |
| arkleseizure | $25.00 | $25.00 | 10/13/2009 3:33:45 PM |
| wwwUniversal | $25.00 | $25.00 | 10/13/2009 4:02:42 PM |
| understanding-marketplace | $100.00 | $100.00 | 9/29/2009 4:14:24 PM |
| gold-tsunami | $25.00 | $25.00 | 9/29/2009 4:14:34 PM |
| Barak | $80.00 | $80.00 | 9/29/2009 4:15:07 PM |
| GatorBait | $50.00 | $50.00 | 9/29/2009 4:15:49 PM |
| justice-dna | $25.00 | $25.00 | 9/29/2009 4:16:18 PM |
| gracej | $25.00 | $25.00 | 9/29/2009 4:16:44 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/29/2009 4:17:01 PM |
| kegs | $100.00 | $100.00 | 9/29/2009 4:17:12 PM |
| hawker | $100.00 | $100.00 | 9/29/2009 4:18:32 PM |
| Weaverville | $25.00 | $25.00 | 9/29/2009 4:12:52 PM |
| saffron4 | $25.00 | $25.00 | 9/29/2009 4:40:22 PM |
| skuba | $50.00 | $50.00 | 9/29/2009 4:14:09 PM |
| sas19 | $25.00 | $25.00 | 9/29/2009 4:14:38 PM |
| snowman34 | $25.00 | $25.00 | 9/29/2009 4:14:46 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/29/2009 4:14:55 PM |
| compoundinterest | $50.00 | $50.00 | 9/29/2009 4:16:17 PM |
| platinum-sorcerer6 | $25.00 | $25.00 | 9/29/2009 4:16:59 PM |
| elasermd | $50.00 | $50.00 | 9/29/2009 4:14:30 PM |
| TheMan | $25.00 | $25.00 | 9/29/2009 4:19:00 PM |
| radiant-fund | $25.00 | $25.00 | 9/29/2009 4:19:30 PM |
| j48 | $25.00 | $25.00 | 9/29/2009 4:15:14 PM |
| responsibility-butterfly | $25.00 | $25.00 | 9/29/2009 4:15:39 PM |
| inventive-funds | $25.00 | $25.00 | 9/29/2009 4:16:03 PM |
| BlindProphet | $25.00 | $25.00 | 9/29/2009 4:16:12 PM |
| SNH | $50.00 | $50.00 | 9/29/2009 4:16:39 PM |
| czar3 | $25.00 | $25.00 | 9/29/2009 4:18:04 PM |
| blot44 | $50.00 | $50.00 | 9/29/2009 6:13:53 PM |
| benroo | $25.00 | $25.00 | 9/29/2009 5:07:42 PM |
| zone6 | $25.00 | $25.00 | 9/30/2009 12:46:11 AM |
| pawsitive | $25.00 | $25.00 | 9/30/2009 8:24:51 AM |
| power-collider | $25.00 | $25.00 | 9/30/2009 10:24:30 AM |
| LendDoc | $25.00 | $25.00 | 9/30/2009 10:34:03 AM |
| aknavber | $25.00 | $25.00 | 9/30/2009 1:11:08 PM |
| FarBeyondDriven | $25.00 | $25.00 | 9/30/2009 4:11:36 PM |
| crazybill | $25.00 | $25.00 | 9/30/2009 4:11:46 PM |
| adaptiveanimal | $25.00 | $25.00 | 9/30/2009 4:35:36 PM |
| toblerone | $25.00 | $25.00 | 9/30/2009 6:14:33 PM |
| GhaChr | $25.00 | $25.00 | 9/30/2009 9:44:37 PM |
| SeattlePilot | $50.00 | $50.00 | 10/1/2009 3:14:41 AM |
| don8ter | $60.00 | $60.00 | 10/1/2009 4:47:30 AM |
| DHolly | $25.00 | $25.00 | 10/1/2009 6:17:33 AM |
| triumphant-community | $25.00 | $25.00 | 10/1/2009 11:04:40 AM |
| MonkeyPet | $25.00 | $25.00 | 10/1/2009 1:17:42 PM |
| aloha933 | $25.00 | $25.00 | 10/1/2009 1:52:56 PM |
| here2lend | $25.00 | $25.00 | 10/1/2009 4:09:32 PM |
| All_Wins | $25.00 | $25.00 | 10/1/2009 6:54:38 PM |
| pragmatic-contract | $25.00 | $25.00 | 10/1/2009 6:11:04 PM |
| sjlnn | $50.00 | $50.00 | 10/1/2009 10:21:03 PM |
| CallMeBen | $25.00 | $25.00 | 10/2/2009 2:47:27 AM |
| kmwvma | $25.00 | $25.00 | 10/2/2009 9:39:47 AM |
| visionary-currency | $44.41 | $44.41 | 10/2/2009 6:54:57 AM |
| Guiren | $100.00 | $100.00 | 10/2/2009 12:54:26 PM |
| yachtmaster45 | $25.00 | $25.00 | 10/2/2009 1:36:21 PM |
| bluesheep | $25.00 | $25.00 | 10/2/2009 11:24:50 AM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/2/2009 1:49:34 PM |
| puyanera | $25.00 | $25.00 | 10/2/2009 3:41:09 PM |
| cowboyskier | $43.21 | $43.21 | 10/3/2009 7:17:38 AM |
| kulender | $25.00 | $25.00 | 10/3/2009 8:35:49 AM |
| KiwiElf | $30.00 | $30.00 | 10/3/2009 7:15:47 AM |
| testobsessed | $52.00 | $52.00 | 10/3/2009 12:05:34 PM |
| honorable-yield | $50.00 | $50.00 | 10/3/2009 2:09:29 PM |
| bronzmajom | $25.00 | $25.00 | 10/3/2009 5:19:59 PM |
| jct_enterprises | $25.00 | $25.00 | 10/3/2009 5:19:39 PM |
| The_Loan_Ranger | $25.00 | $25.00 | 10/4/2009 7:49:31 AM |
| DonaldColorado | $25.00 | $25.00 | 10/4/2009 4:19:32 PM |
| reueljw | $25.00 | $25.00 | 10/4/2009 9:14:43 PM |
| agab | $25.00 | $25.00 | 10/4/2009 6:15:23 PM |
| neenerman | $25.00 | $25.00 | 10/5/2009 10:40:30 AM |
| meux99 | $25.00 | $25.00 | 10/5/2009 11:52:08 AM |
| bowdish1 | $50.00 | $50.00 | 10/5/2009 12:09:39 PM |
| MissionMicroFinance | $28.66 | $28.66 | 10/5/2009 12:54:27 PM |
| personal-lender | $25.00 | $25.00 | 10/5/2009 1:04:42 PM |
| credit-coach118 | $27.05 | $27.05 | 10/5/2009 3:30:49 PM |
| SnE | $25.00 | $25.00 | 10/5/2009 3:28:32 PM |
| Patrician | $50.00 | $50.00 | 10/5/2009 3:34:50 PM |
| PalmTreeIsland | $50.00 | $50.00 | 10/5/2009 4:11:32 PM |
| Spring342 | $25.00 | $25.00 | 10/5/2009 4:34:44 PM |
| MGOT-Ken | $25.00 | $25.00 | 10/5/2009 4:47:42 PM |
| Sid-K | $50.00 | $50.00 | 10/5/2009 4:53:11 PM |
| Patter256 | $25.00 | $25.00 | 10/5/2009 4:54:21 PM |
| mdreiss | $25.00 | $25.00 | 10/6/2009 6:12:48 AM |
| djs81 | $25.00 | $25.00 | 10/6/2009 6:42:27 AM |
| smallcountry | $25.00 | $25.00 | 10/6/2009 9:18:34 AM |
| sensational-kindness | $25.00 | $25.00 | 10/6/2009 9:31:31 AM |
| freefly67 | $25.00 | $25.00 | 10/6/2009 8:56:14 AM |
| fiscal65 | $25.00 | $25.00 | 10/6/2009 11:03:13 AM |
| whiteshadow | $25.00 | $25.00 | 10/6/2009 2:21:08 PM |
| feedpaulyfaster | $25.00 | $25.00 | 10/6/2009 4:55:37 PM |
| seattleslug | $25.00 | $25.00 | 10/6/2009 4:55:39 PM |
| Sixmil | $25.00 | $25.00 | 10/6/2009 4:56:20 PM |
| Tradesmanlender | $25.00 | $25.00 | 10/6/2009 4:57:05 PM |
| rmachi | $25.00 | $25.00 | 10/6/2009 7:31:11 PM |
| peace-cadence | $25.00 | $25.00 | 10/7/2009 1:58:03 AM |
| Eagledrop | $25.00 | $25.00 | 10/7/2009 8:11:15 AM |
| flexiboy35 | $25.00 | $25.00 | 10/7/2009 3:46:33 AM |
| Captain88 | $25.00 | $25.00 | 10/7/2009 5:06:30 AM |
| favorite-dollar | $25.00 | $25.00 | 10/7/2009 9:33:36 AM |
| impartial-deal | $25.00 | $25.00 | 10/7/2009 5:51:08 AM |
| conceptpi | $50.00 | $50.00 | 10/7/2009 11:27:06 AM |
| honorable-treasure | $25.00 | $25.00 | 10/7/2009 10:44:52 AM |
| interest-exec9 | $25.00 | $25.00 | 10/7/2009 9:34:30 AM |
| Artist_Blue | $25.00 | $25.00 | 10/7/2009 11:52:10 AM |
| shadowflame_99 | $25.00 | $25.00 | 10/7/2009 3:14:36 PM |
| axelducheck | $25.00 | $25.00 | 10/7/2009 4:12:22 PM |
| RSV | $25.00 | $25.00 | 10/7/2009 4:06:36 PM |
| panthernoelle | $25.00 | $25.00 | 10/7/2009 4:11:03 PM |
| XD2005 | $25.00 | $25.00 | 10/7/2009 8:58:18 PM |
| CoolHelp | $25.00 | $25.00 | 10/8/2009 8:11:30 AM |
| favorite-dollar | $50.00 | $50.00 | 10/8/2009 5:25:38 AM |
| secretidentity | $25.00 | $25.00 | 10/8/2009 9:12:00 AM |
| bankofsam | $25.00 | $25.00 | 10/8/2009 7:16:03 AM |
| red-favorable-basis | $25.00 | $25.00 | 10/8/2009 7:21:16 AM |
| BiggestG | $25.00 | $25.00 | 10/8/2009 10:51:11 AM |
| progressive-rupee | $25.00 | $25.00 | 10/8/2009 9:31:57 AM |
| longisland47m | $25.00 | $25.00 | 10/8/2009 9:34:37 AM |
| John999 | $100.00 | $100.00 | 10/8/2009 11:59:55 AM |
| szetowski | $25.00 | $25.00 | 10/8/2009 8:11:29 AM |
| cheng | $25.00 | $25.00 | 10/8/2009 9:48:00 AM |
| brainy-dedication | $25.00 | $25.00 | 10/8/2009 12:51:36 PM |
| easylender | $25.00 | $25.00 | 10/8/2009 11:04:58 AM |
| stensonb | $25.00 | $25.00 | 10/8/2009 11:16:35 AM |
| eliza11 | $50.00 | $50.00 | 10/8/2009 11:24:12 AM |
| mizount | $25.00 | $25.00 | 10/8/2009 11:27:36 AM |
| tsui517 | $25.00 | $25.00 | 10/8/2009 11:41:13 AM |
| dvsmoney | $25.00 | $25.00 | 10/8/2009 3:07:05 PM |
| OLYVRC | $25.00 | $25.00 | 10/8/2009 2:01:15 PM |
| DeathScythe676 | $25.00 | $25.00 | 10/8/2009 1:51:11 PM |
| nhm | $26.59 | $26.59 | 10/8/2009 3:41:03 PM |
| nofreelunch | $25.00 | $25.00 | 10/8/2009 5:16:22 PM |
| inventive-exchange | $25.00 | $25.00 | 10/8/2009 5:16:44 PM |
| money-vista | $25.00 | $25.00 | 10/8/2009 5:16:51 PM |
| janus_god | $25.00 | $25.00 | 10/8/2009 5:17:01 PM |
| Lendomatic | $25.00 | $25.00 | 10/8/2009 5:17:05 PM |
| BankOfFrankFairness | $36.06 | $36.06 | 10/8/2009 5:17:10 PM |
| spsavage | $25.00 | $25.00 | 10/8/2009 5:17:17 PM |
| woodenshoes | $30.19 | $30.19 | 10/8/2009 5:17:19 PM |
| GElender | $50.00 | $50.00 | 10/8/2009 5:17:40 PM |
| zeraphm | $25.00 | $25.00 | 10/8/2009 5:17:48 PM |
| cyonamine | $25.00 | $25.00 | 10/8/2009 5:18:12 PM |
| Palmetto | $37.20 | $37.20 | 10/8/2009 5:18:28 PM |
| Landselott | $25.00 | $25.00 | 10/8/2009 4:41:01 PM |
| five-star-justice | $36.00 | $36.00 | 10/8/2009 5:19:27 PM |
| northwesttlr | $25.00 | $25.00 | 10/8/2009 5:16:27 PM |
| RICHMONDREB | $25.00 | $25.00 | 10/8/2009 5:16:56 PM |
| Marathoner | $25.00 | $25.00 | 10/8/2009 5:16:58 PM |
| riversmoke | $25.00 | $25.00 | 10/8/2009 5:17:03 PM |
| bmbanzai | $25.00 | $25.00 | 10/8/2009 5:17:43 PM |
| bayareainv | $50.00 | $50.00 | 10/8/2009 5:17:46 PM |
| Guerrilla_Man | $25.00 | $25.00 | 10/8/2009 5:18:15 PM |
| assetmanager | $25.00 | $25.00 | 10/8/2009 5:18:26 PM |
| goofy15975 | $25.00 | $25.00 | 10/8/2009 5:19:28 PM |
| LoanGiver | $25.00 | $25.00 | 10/8/2009 5:19:34 PM |
| japper2353 | $25.00 | $25.00 | 10/8/2009 5:19:37 PM |
| MasterJin | $25.00 | $25.00 | 10/8/2009 5:19:54 PM |
| philipandc | $25.00 | $25.00 | 10/8/2009 5:20:24 PM |
| slojudy | $25.00 | $25.00 | 10/8/2009 6:26:42 PM |
| keydet99 | $25.00 | $25.00 | 10/8/2009 5:20:29 PM |
| sparky1129 | $25.00 | $25.00 | 10/8/2009 5:20:43 PM |
| fightgravity | $25.00 | $25.00 | 10/8/2009 6:41:10 PM |
| notlicehead | $50.00 | $50.00 | 10/8/2009 5:16:18 PM |
| AndersenWatcher | $25.00 | $25.00 | 10/8/2009 5:16:48 PM |
| mathprof | $25.00 | $25.00 | 10/8/2009 5:16:54 PM |
| KHU2-B | $25.00 | $25.00 | 10/8/2009 5:17:00 PM |
| yank918 | $25.00 | $25.00 | 10/8/2009 5:17:02 PM |
| thedoctor | $25.00 | $25.00 | 10/8/2009 5:17:20 PM |
| pulmdoc | $25.00 | $25.00 | 10/8/2009 5:17:41 PM |
| coolspeed | $25.00 | $25.00 | 10/8/2009 5:17:47 PM |
| grf1945 | $25.00 | $25.00 | 10/8/2009 5:18:10 PM |
| js60l | $25.00 | $25.00 | 10/8/2009 5:18:23 PM |
| Hogpilot | $25.00 | $25.00 | 10/8/2009 5:18:27 PM |
| cash-sensai2 | $25.00 | $25.00 | 10/8/2009 5:19:29 PM |
| rjleves | $25.00 | $25.00 | 10/8/2009 5:19:45 PM |
| Mark-O-Polo | $25.00 | $25.00 | 10/8/2009 5:20:13 PM |
| johnsails | $26.56 | $26.56 | 10/8/2009 6:43:57 PM |
| bruin558 | $34.77 | $34.77 | 10/8/2009 8:26:20 PM |
| hayhelp | $25.00 | $25.00 | 10/8/2009 7:41:29 PM |
| LordKinbote | $25.00 | $25.00 | 10/8/2009 9:46:07 PM |
| drewdog365 | $25.00 | $25.00 | 10/8/2009 8:28:04 PM |
| outwish | $25.00 | $25.00 | 10/8/2009 8:51:37 PM |
| bradwill | $49.41 | $49.41 | 10/9/2009 6:34:20 AM |
| Debt2Freedom | $25.00 | $25.00 | 10/9/2009 6:34:28 AM |
| ElChico124 | $25.00 | $25.00 | 10/8/2009 7:42:22 PM |
| ajst1 | $25.00 | $25.00 | 10/9/2009 6:35:32 AM |
| danfrphils | $25.00 | $25.00 | 10/9/2009 6:35:37 AM |
| ReallyGoodGuy | $25.00 | $25.00 | 10/8/2009 7:46:01 PM |
| diverse2 | $30.00 | $30.00 | 10/9/2009 6:35:44 AM |
| 108lender | $25.00 | $25.00 | 10/9/2009 6:37:45 AM |
| pbo922 | $25.00 | $25.00 | 10/9/2009 5:18:42 AM |
| minista | $25.00 | $25.00 | 10/9/2009 6:41:48 AM |
| papaman | $25.00 | $25.00 | 10/9/2009 6:34:17 AM |
| mikeleib | $25.00 | $25.00 | 10/9/2009 6:34:22 AM |
| randomguy100 | $25.00 | $25.00 | 10/9/2009 6:34:28 AM |
| MKLInvestments | $25.00 | $25.00 | 10/9/2009 6:34:34 AM |
| ok | $25.00 | $25.00 | 10/9/2009 6:35:08 AM |
| paddatjie | $25.00 | $25.00 | 10/9/2009 8:40:00 AM |
| Residuum | $25.00 | $25.00 | 10/9/2009 8:50:01 AM |
| investorrr | $25.00 | $25.00 | 10/9/2009 6:41:31 AM |
| K2Outlaws | $25.00 | $25.00 | 10/9/2009 9:23:58 AM |
| nolahelper | $50.00 | $50.00 | 10/9/2009 6:06:22 AM |
| BigLinCT | $50.00 | $50.00 | 10/9/2009 7:59:06 AM |
| scott1058 | $25.00 | $25.00 | 10/9/2009 6:34:24 AM |
| soroxy | $25.00 | $25.00 | 10/9/2009 6:34:30 AM |
| bradania | $25.00 | $25.00 | 10/9/2009 6:34:32 AM |
| eggzie | $25.00 | $25.00 | 10/9/2009 6:35:09 AM |
| virtualbank | $25.00 | $25.00 | 10/9/2009 6:35:16 AM |
| Sigonio | $25.00 | $25.00 | 10/9/2009 6:35:48 AM |
| totoro | $25.00 | $25.00 | 10/9/2009 6:37:01 AM |
| vegibenz | $25.00 | $25.00 | 10/9/2009 10:02:12 AM |
| grasscutter | $50.00 | $50.00 | 10/9/2009 6:42:11 AM |
| junes08 | $50.00 | $50.00 | 10/9/2009 8:17:23 AM |
| buffalobills | $25.00 | $25.00 | 10/9/2009 9:08:23 AM |
| bugleusmc | $26.66 | $26.66 | 10/9/2009 11:25:28 AM |
| jybank | $50.00 | $50.00 | 10/9/2009 9:25:32 AM |
| tolstoy00 | $25.00 | $25.00 | 10/9/2009 12:08:42 PM |
| powersjq | $25.00 | $25.00 | 10/9/2009 3:53:07 PM |
| V40Harmony | $25.00 | $25.00 | 10/9/2009 4:10:04 PM |
| kalex752 | $34.84 | $34.84 | 10/9/2009 10:59:45 AM |
| ArmstrongVentures | $25.00 | $25.00 | 10/9/2009 11:08:56 AM |
| NJNY | $25.00 | $25.00 | 10/9/2009 2:38:43 PM |
| CatbirdBanking | $50.00 | $50.00 | 10/9/2009 8:59:28 PM |
| davez0r | $25.00 | $25.00 | 10/10/2009 12:25:16 AM |
| sanjl79 | $25.00 | $25.00 | 10/9/2009 8:54:14 PM |
| Lifesavings | $25.00 | $25.00 | 10/9/2009 9:21:30 PM |
| jcrew007 | $25.00 | $25.00 | 10/10/2009 6:58:42 AM |
| g314 | $30.00 | $30.00 | 10/9/2009 11:40:45 PM |
| Minotaur | $26.00 | $26.00 | 10/9/2009 6:53:44 PM |
| rocketspocket | $25.00 | $25.00 | 10/10/2009 11:13:44 AM |
| drkosh | $25.00 | $25.00 | 10/10/2009 11:16:11 AM |
| wise-silver-wonder | $25.00 | $25.00 | 10/10/2009 12:28:52 PM |
| noodles932 | $107.75 | $107.75 | 10/10/2009 4:00:52 PM |
| NoNameLender | $65.00 | $65.00 | 10/11/2009 3:33:17 PM |
| buckeyeatheart | $50.00 | $50.00 | 10/11/2009 9:13:31 AM |
| Adabi | $25.00 | $25.00 | 10/11/2009 7:10:16 PM |
| REITRUST | $50.00 | $50.00 | 10/11/2009 7:34:11 PM |
| spirited-finance1 | $25.00 | $25.00 | 10/12/2009 6:45:58 AM |
| wwwUniversal | $25.00 | $25.00 | 10/11/2009 11:44:55 AM |
| lonix | $25.00 | $25.00 | 10/11/2009 7:48:42 PM |
| twjh | $25.00 | $25.00 | 10/12/2009 8:23:44 AM |
| ProudGranny | $25.00 | $25.00 | 10/12/2009 12:23:51 PM |
| 850 | $200.00 | $200.00 | 10/11/2009 10:43:55 PM |
| elitegoodguy | $25.00 | $25.00 | 10/12/2009 1:42:47 PM |
| Gobsek | $50.00 | $50.00 | 10/12/2009 3:04:28 PM |
| sentry256 | $25.00 | $25.00 | 10/12/2009 2:43:46 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/12/2009 5:33:52 PM |
| blackstar | $25.00 | $25.00 | 10/12/2009 4:15:13 PM |
| SFBank | $200.00 | $200.00 | 10/12/2009 7:03:37 PM |
| socal-lender | $25.00 | $25.00 | 10/12/2009 5:00:32 PM |
| G-Love | $100.00 | $100.00 | 10/12/2009 5:16:05 PM |
| kulender | $100.00 | $100.00 | 10/12/2009 9:11:47 PM |
| the-repayment-treaty | $62.00 | $62.00 | 10/12/2009 9:44:05 PM |
| eureka117 | $25.00 | $25.00 | 10/13/2009 4:18:48 AM |
| jmainc | $25.00 | $25.00 | 10/13/2009 6:07:37 AM |
| JohnSmith10 | $25.00 | $25.00 | 10/12/2009 9:14:06 PM |
| lender124 | $25.00 | $25.00 | 10/13/2009 5:39:10 AM |
| techreseller | $50.00 | $50.00 | 10/13/2009 5:55:47 AM |
| chuchutrain | $30.00 | $30.00 | 10/13/2009 6:02:03 AM |
| thesage | $25.00 | $25.00 | 10/13/2009 6:04:50 AM |
| TheLenderYouWantBiddingForYou | $25.00 | $25.00 | 10/13/2009 8:05:57 AM |
| kanakakm | $400.00 | $400.00 | 10/13/2009 5:39:32 AM |
| FundingUSA | $25.00 | $25.00 | 10/13/2009 8:03:41 AM |
| BankofBadHabits | $25.00 | $25.00 | 10/13/2009 7:45:52 AM |
| MNMAN21 | $100.00 | $100.00 | 10/13/2009 9:50:03 AM |
| MNMAN21 | $100.00 | $100.00 | 10/13/2009 9:48:52 AM |
| MNMAN21 | $75.31 | $75.31 | 10/13/2009 9:51:03 AM |
| SKAGIT22 | $25.00 | $25.00 | 10/13/2009 9:59:25 AM |
| Rivermaverick | $40.00 | $40.00 | 10/13/2009 9:58:48 AM |
| Lendomatic | $25.00 | $25.00 | 10/13/2009 10:09:58 AM |
| John_14_6 | $25.00 | $25.00 | 10/13/2009 10:25:20 AM |
| maga | $200.00 | $200.00 | 10/13/2009 11:00:42 AM |
| Kyileo | $50.00 | $50.00 | 10/13/2009 1:37:03 PM |
| dmitriy2 | $25.00 | $25.00 | 10/13/2009 11:56:28 AM |
| revmax | $25.00 | $25.00 | 10/13/2009 11:23:45 AM |
| Prezotus | $25.00 | $25.00 | 10/13/2009 12:26:45 PM |
| reflective-rupee | $75.00 | $75.00 | 10/13/2009 2:21:22 PM |
| thegreatone | $50.00 | $50.00 | 10/13/2009 2:47:43 PM |
| chrisjs15 | $25.00 | $25.00 | 10/13/2009 12:17:57 PM |
| 108lender | $400.00 | $188.18 | 10/13/2009 2:58:48 PM |
| webwesen | $50.00 | $50.00 | 10/13/2009 1:59:23 PM |
| MechEngLender | $25.00 | $25.00 | 10/13/2009 2:14:17 PM |
| Feyenoord | $25.00 | $25.00 | 10/13/2009 3:28:45 PM |
| dorypro | $25.00 | $25.00 | 10/13/2009 3:31:08 PM |
| crdcteng | $50.00 | $50.00 | 10/13/2009 2:33:40 PM |
| truth-futurist | $50.00 | $50.00 | 10/13/2009 2:53:12 PM |
| balance-force | $35.00 | $35.00 | 10/13/2009 3:06:40 PM |
| yu-rik | $40.10 | $40.10 | 10/13/2009 3:42:39 PM |
| BoCo | $25.00 | $25.00 | 10/13/2009 4:04:37 PM |
| 558 bids
|
Borrower Payment Dependent Notes Series
426817
This series of Notes was issued and sold upon the funding of the borrower loan #39036, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-14-2009 |
|
|
Starting lender yield:
| 12.33% |
Starting borrower rate/APR:
| 13.33% / 15.48% |
Starting monthly payment:
| $338.53 |
|
Final lender yield:
| 10.40% |
Final borrower rate/APR:
| 11.40% / 13.52% |
Final monthly payment:
| $329.28 |
| |
|
Auction yield range:
| 4.27% - 12.33% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 780-800 (Sep-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 12 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $29,883 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 69% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| contract-innovator |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card debt
Purpose of loan:
This loan will be used to pay off my high interest credit card debt that I have gained while living in the?Washington DC metro area.? ?
My financial situation:
I am a good candidate for this loan because I have stable job in a strong federal consulting market of DC.? I have received a salary where I am now able to make significant contributions to pay off?my credit debt.? I am tired of getting hit with the high interest credit card rates and I want to get rid of them?all.? I am 28?years old and I'm looking to get rid of my debt and start saving for a home.
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:
How much do you owe on your credit cards? - MonkeyHero
A:
I currently owe approximately $23,022 on 3 credit cards.
$2,953 with an APR at 26.24%, $11,440 with an APR at 12.90%, and $8,629 with an APR at 8.90%
(Oct-10-2009)
Q:
So did you just start this new job? - MonkeyHero
A:
I'll start my new job on October 26, 2009.
(Oct-10-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Kelor99 | $25.00 | $25.00 | 10/5/2009 4:16:49 PM |
| justice-dna | $25.00 | $25.00 | 10/5/2009 4:24:11 PM |
| Weaverville | $25.00 | $25.00 | 10/5/2009 4:21:48 PM |
| Moron_Buffet | $25.00 | $25.00 | 10/5/2009 4:24:58 PM |
| bchen78875 | $50.00 | $50.00 | 10/5/2009 4:22:12 PM |
| kegs | $100.00 | $100.00 | 10/5/2009 4:25:09 PM |
| income-crescendo1 | $25.00 | $25.00 | 10/5/2009 4:25:59 PM |
| j48 | $25.00 | $25.00 | 10/5/2009 4:23:21 PM |
| anton | $50.00 | $50.00 | 10/5/2009 4:23:35 PM |
| MONEYLENDER101 | $100.00 | $100.00 | 10/5/2009 4:26:17 PM |
| gold-tsunami | $25.00 | $25.00 | 10/5/2009 4:22:28 PM |
| inventive-funds | $25.00 | $25.00 | 10/5/2009 4:23:49 PM |
| degster | $25.00 | $25.00 | 10/5/2009 4:24:15 PM |
| gracej | $25.00 | $25.00 | 10/5/2009 4:24:32 PM |
| SNH | $50.00 | $50.00 | 10/5/2009 4:24:27 PM |
| kid8549 | $25.00 | $25.00 | 10/5/2009 4:25:03 PM |
| dealarella | $25.00 | $25.00 | 10/5/2009 4:26:12 PM |
| transparency-giant | $50.00 | $50.00 | 10/5/2009 4:25:20 PM |
| wise-repayment-kayak | $25.00 | $25.00 | 10/5/2009 4:31:22 PM |
| triumphant-community | $25.00 | $25.00 | 10/5/2009 4:30:35 PM |
| kulender | $25.00 | $25.00 | 10/5/2009 4:32:18 PM |
| CallMeBen | $25.00 | $25.00 | 10/5/2009 4:31:12 PM |
| Davidson2 | $25.00 | $25.00 | 10/5/2009 4:31:40 PM |
| DonaldColorado | $25.00 | $25.00 | 10/5/2009 4:34:05 PM |
| don8ter | $57.58 | $57.58 | 10/5/2009 4:32:34 PM |
| personal-lender | $25.00 | $25.00 | 10/5/2009 4:34:27 PM |
| Gibbyland | $30.44 | $30.44 | 10/5/2009 4:56:39 PM |
| buckyhead2000 | $25.00 | $25.00 | 10/5/2009 4:56:40 PM |
| visionary-currency | $98.67 | $98.67 | 10/5/2009 4:56:43 PM |
| zone6 | $40.00 | $40.00 | 10/5/2009 8:14:28 PM |
| currency-persimmon | $25.00 | $25.00 | 10/6/2009 9:31:46 AM |
| smallcountry | $25.00 | $25.00 | 10/6/2009 9:18:29 AM |
| Cheburashka | $46.18 | $46.18 | 10/6/2009 10:31:22 AM |
| peace-cadence | $25.00 | $25.00 | 10/7/2009 1:58:16 AM |
| cowboyskier | $50.00 | $50.00 | 10/7/2009 9:34:32 AM |
| LizzieMN | $25.00 | $25.00 | 10/7/2009 12:31:20 PM |
| shadowflame_99 | $25.00 | $25.00 | 10/7/2009 3:14:31 PM |
| best-marketologist | $25.00 | $25.00 | 10/7/2009 5:58:28 PM |
| Kame | $25.00 | $25.00 | 10/7/2009 10:26:14 PM |
| johannesfactotum | $25.00 | $25.00 | 10/7/2009 11:51:10 PM |
| Syndication | $25.00 | $25.00 | 10/8/2009 2:17:24 AM |
| inventive-wealth2 | $25.00 | $25.00 | 10/7/2009 11:06:06 PM |
| credit-coach118 | $35.00 | $35.00 | 10/7/2009 9:00:57 PM |
| rolandweary | $40.00 | $40.00 | 10/7/2009 9:06:05 PM |
| dinobuddy | $25.00 | $25.00 | 10/8/2009 8:11:49 AM |
| gold-cluster | $100.00 | $100.00 | 10/8/2009 6:01:22 AM |
| CPAMAN | $25.00 | $25.00 | 10/8/2009 6:06:30 AM |
| friendly-gold | $25.00 | $25.00 | 10/7/2009 11:46:40 PM |
| tremendous-payment | $25.00 | $25.00 | 10/8/2009 6:43:37 AM |
| silver-armada | $50.00 | $50.00 | 10/8/2009 5:11:50 AM |
| zacharyd | $25.00 | $25.00 | 10/8/2009 10:04:29 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/8/2009 6:11:11 AM |
| KiwiElf | $30.00 | $30.00 | 10/8/2009 10:56:35 AM |
| rellotsf | $50.00 | $50.00 | 10/8/2009 8:57:12 AM |
| sophisticated-ore | $200.00 | $200.00 | 10/8/2009 9:31:37 AM |
| Champpilot | $50.00 | $50.00 | 10/8/2009 11:28:37 AM |
| rlrcstr | $25.00 | $25.00 | 10/8/2009 7:48:14 AM |
| paymentologist | $25.00 | $25.00 | 10/8/2009 10:41:20 AM |
| pog27 | $25.00 | $25.00 | 10/8/2009 1:56:15 PM |
| banjoey | $25.00 | $25.00 | 10/8/2009 3:31:46 PM |
| discrete-asset | $25.00 | $25.00 | 10/8/2009 3:37:14 PM |
| Hexnut | $25.00 | $25.00 | 10/8/2009 2:32:41 PM |
| Usurious | $25.00 | $25.00 | 10/8/2009 3:39:11 PM |
| ronow22 | $25.00 | $25.00 | 10/8/2009 3:39:15 PM |
| poppinkid | $25.00 | $25.00 | 10/8/2009 3:56:12 PM |
| Clambake | $50.00 | $50.00 | 10/8/2009 4:22:47 PM |
| unequaled-credit7 | $25.00 | $25.00 | 10/8/2009 5:01:31 PM |
| cheapskate | $50.00 | $50.00 | 10/8/2009 5:09:08 PM |
| revenue-kazoo | $25.00 | $25.00 | 10/8/2009 6:18:11 PM |
| hopethisworks | $54.56 | $54.56 | 10/8/2009 7:36:16 PM |
| Supernick | $25.00 | $25.00 | 10/8/2009 8:21:10 PM |
| coondog | $25.00 | $25.00 | 10/8/2009 6:51:41 PM |
| mebobeh | $25.00 | $25.00 | 10/8/2009 5:26:49 PM |
| metro457 | $25.00 | $25.00 | 10/8/2009 7:46:29 PM |
| integrity-spilunker | $25.00 | $25.00 | 10/9/2009 4:08:53 AM |
| unclejaef | $25.00 | $25.00 | 10/8/2009 10:21:26 PM |
| SimGuy | $25.00 | $25.00 | 10/9/2009 3:54:04 AM |
| CULPEPPERGROUP | $25.00 | $25.00 | 10/9/2009 4:25:38 AM |
| akahoss | $25.00 | $25.00 | 10/8/2009 7:56:08 PM |
| booyah | $25.00 | $25.00 | 10/8/2009 8:26:17 PM |
| mikeandcat | $50.00 | $50.00 | 10/9/2009 4:29:04 AM |
| NDFIRTH | $50.00 | $50.00 | 10/9/2009 7:07:01 AM |
| BaileyBrothers | $25.00 | $25.00 | 10/9/2009 9:14:16 AM |
| vcbogan | $100.00 | $100.00 | 10/9/2009 9:34:03 AM |
| 13nd3r | $25.00 | $25.00 | 10/9/2009 8:54:15 AM |
| neenerman | $25.00 | $25.00 | 10/9/2009 6:40:16 AM |
| papaman | $25.00 | $25.00 | 10/9/2009 11:24:40 AM |
| holstj | $25.00 | $25.00 | 10/9/2009 9:37:53 AM |
| imlosttoo | $25.00 | $25.00 | 10/9/2009 11:34:36 AM |
| dm_invest | $25.00 | $25.00 | 10/9/2009 12:16:46 PM |
| Jassi | $25.00 | $25.00 | 10/9/2009 8:58:46 AM |
| noble-revenue | $25.00 | $25.00 | 10/9/2009 12:00:17 PM |
| FCI | $25.00 | $25.00 | 10/9/2009 2:44:41 PM |
| Cubsfan07 | $25.00 | $25.00 | 10/9/2009 3:18:42 PM |
| swoosh | $25.00 | $25.00 | 10/9/2009 9:59:04 AM |
| TommyTucker | $32.15 | $32.15 | 10/9/2009 2:38:52 PM |
| Josta | $50.00 | $50.00 | 10/9/2009 3:09:10 PM |
| bleacher | $25.00 | $25.00 | 10/9/2009 11:35:12 AM |
| TIC0331 | $100.00 | $100.00 | 10/9/2009 12:08:07 PM |
| CarDealer3070 | $25.00 | $25.00 | 10/9/2009 12:08:51 PM |
| junes08 | $50.00 | $50.00 | 10/9/2009 3:19:07 PM |
| Bill33716 | $25.00 | $25.00 | 10/9/2009 3:19:16 PM |
| Winger | $50.00 | $50.00 | 10/9/2009 4:41:20 PM |
| asiaratt | $25.00 | $25.00 | 10/9/2009 5:09:04 PM |
| mlender | $25.00 | $25.00 | 10/9/2009 5:58:48 PM |
| dollar-oracle55 | $25.00 | $25.00 | 10/9/2009 7:08:45 PM |
| Exia | $25.00 | $25.00 | 10/9/2009 4:48:55 PM |
| MARSTUN | $27.81 | $27.81 | 10/9/2009 9:28:47 PM |
| testobsessed | $84.16 | $84.16 | 10/9/2009 5:43:12 PM |
| unk1911 | $25.00 | $25.00 | 10/10/2009 6:14:49 AM |
| kbodendorf | $25.00 | $25.00 | 10/9/2009 4:40:29 PM |
| Marfloogan | $25.00 | $25.00 | 10/10/2009 9:29:04 AM |
| RetiredATC | $25.00 | $25.00 | 10/10/2009 3:23:58 AM |
| Prezotus | $25.00 | $25.00 | 10/9/2009 5:48:49 PM |
| money-shaker | $25.00 | $25.00 | 10/9/2009 7:58:56 PM |
| nycloan | $25.00 | $25.00 | 10/10/2009 7:30:01 AM |
| Havana21 | $500.00 | $500.00 | 10/10/2009 12:29:34 AM |
| teejay411 | $100.00 | $100.00 | 10/10/2009 2:04:37 PM |
| capital-albatross | $25.00 | $25.00 | 10/10/2009 3:05:15 PM |
| Dakota98 | $50.00 | $50.00 | 10/10/2009 3:06:17 PM |
| jfd287 | $25.00 | $25.00 | 10/10/2009 6:14:41 AM |
| bigbryan98 | $25.00 | $25.00 | 10/10/2009 12:30:48 PM |
| reinforced-reward | $25.00 | $25.00 | 10/10/2009 7:14:48 AM |
| ITExec | $47.59 | $47.59 | 10/10/2009 12:58:44 PM |
| hrubinst | $25.00 | $25.00 | 10/10/2009 3:06:02 PM |
| mason13a | $25.00 | $25.00 | 10/10/2009 3:06:05 PM |
| siege01 | $25.00 | $25.00 | 10/10/2009 3:06:13 PM |
| lounges | $25.00 | $25.00 | 10/10/2009 9:44:07 AM |
| pure-deal6 | $25.00 | $25.00 | 10/10/2009 3:06:26 PM |
| anders94 | $100.00 | $26.42 | 10/10/2009 3:06:29 PM |
| rbb | $25.00 | $25.00 | 10/10/2009 11:33:50 AM |
| mmqc | $25.00 | $25.00 | 10/10/2009 3:05:24 PM |
| loanman2007 | $75.00 | $75.00 | 10/10/2009 4:16:42 PM |
| coolspeed | $25.00 | $25.00 | 10/10/2009 3:05:40 PM |
| MrDavid | $25.00 | $25.00 | 10/10/2009 3:05:58 PM |
| educationfirst | $25.00 | $25.00 | 10/10/2009 3:06:22 PM |
| diverse-transparency | $25.00 | $25.00 | 10/11/2009 4:03:39 PM |
| DannyPhantom | $25.00 | $25.00 | 10/11/2009 6:27:21 PM |
| interest-friendship | $25.00 | $25.00 | 10/11/2009 8:39:26 PM |
| JTHarris | $100.00 | $100.00 | 10/13/2009 10:18:42 AM |
| DukSerduk | $25.00 | $25.00 | 10/5/2009 4:21:58 PM |
| understanding-marketplace | $100.00 | $100.00 | 10/5/2009 4:22:21 PM |
| crenen139 | $50.00 | $50.00 | 10/5/2009 4:23:04 PM |
| Barak | $80.00 | $80.00 | 10/5/2009 4:23:09 PM |
| djh47a | $40.00 | $40.00 | 10/5/2009 4:23:43 PM |
| BlindProphet | $25.00 | $25.00 | 10/5/2009 4:23:55 PM |
| compoundinterest | $50.00 | $50.00 | 10/5/2009 4:24:01 PM |
| skuba | $50.00 | $50.00 | 10/5/2009 4:22:05 PM |
| fortytwo | $250.00 | $250.00 | 10/5/2009 4:25:26 PM |
| Cai8899 | $25.00 | $25.00 | 10/5/2009 4:25:34 PM |
| InvestorPartners | $25.00 | $25.00 | 10/5/2009 4:25:46 PM |
| hawker | $100.00 | $100.00 | 10/5/2009 4:26:05 PM |
| GatorBait | $50.00 | $50.00 | 10/5/2009 4:23:31 PM |
| sas19 | $25.00 | $25.00 | 10/5/2009 4:22:35 PM |
| radiant-fund | $25.00 | $25.00 | 10/5/2009 4:26:21 PM |
| kinetic-diversification | $50.00 | $50.00 | 10/5/2009 4:22:42 PM |
| snowman34 | $25.00 | $25.00 | 10/5/2009 4:22:49 PM |
| a-responsible-return | $25.00 | $25.00 | 10/5/2009 4:26:31 PM |
| turbine5 | $40.00 | $40.00 | 10/5/2009 4:24:21 PM |
| bazaar-tulip | $25.00 | $25.00 | 10/5/2009 4:22:58 PM |
| Havana21 | $100.00 | $100.00 | 10/5/2009 4:24:43 PM |
| thedreamer | $25.00 | $25.00 | 10/5/2009 4:25:42 PM |
| platinum-sorcerer6 | $25.00 | $25.00 | 10/5/2009 4:24:53 PM |
| czar3 | $25.00 | $25.00 | 10/5/2009 4:25:54 PM |
| larrybird | $95.00 | $95.00 | 10/5/2009 4:25:14 PM |
| selector568 | $100.00 | $100.00 | 10/5/2009 4:30:46 PM |
| credit-investor5 | $50.00 | $50.00 | 10/5/2009 4:32:02 PM |
| elasermd | $50.00 | $50.00 | 10/5/2009 4:32:31 PM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/5/2009 4:31:32 PM |
| abidos | $25.00 | $25.00 | 10/5/2009 4:31:42 PM |
| point-zebra | $25.00 | $25.00 | 10/5/2009 4:30:20 PM |
| pawsitive | $25.00 | $25.00 | 10/5/2009 4:33:19 PM |
| icon7 | $25.00 | $25.00 | 10/5/2009 4:56:31 PM |
| honorable-yield | $50.00 | $50.00 | 10/5/2009 4:56:43 PM |
| heavy_ax | $25.00 | $25.00 | 10/5/2009 5:54:29 PM |
| Syzygy | $25.00 | $25.00 | 10/5/2009 6:03:06 PM |
| mdreiss | $25.00 | $25.00 | 10/6/2009 6:12:43 AM |
| djs81 | $25.00 | $25.00 | 10/6/2009 6:42:31 AM |
| TheMan | $25.00 | $25.00 | 10/6/2009 8:27:31 AM |
| freefly67 | $25.00 | $25.00 | 10/6/2009 8:56:11 AM |
| 34bcp23 | $25.00 | $25.00 | 10/6/2009 10:31:33 AM |
| All_Wins | $25.00 | $25.00 | 10/6/2009 1:58:35 PM |
| kmwvma | $25.00 | $25.00 | 10/6/2009 4:56:15 PM |
| andrewgl | $25.00 | $25.00 | 10/6/2009 8:22:07 PM |
| bowdish1 | $33.98 | $33.98 | 10/7/2009 7:11:21 AM |
| honorable-treasure | $25.00 | $25.00 | 10/7/2009 10:44:46 AM |
| MidnightBank | $25.00 | $25.00 | 10/7/2009 9:27:29 AM |
| CPA_Investor | $25.00 | $25.00 | 10/7/2009 9:31:45 AM |
| Artist_Blue | $25.00 | $25.00 | 10/7/2009 11:52:16 AM |
| ClearLake | $25.00 | $25.00 | 10/7/2009 2:08:52 PM |
| twomonkeys3 | $25.00 | $25.00 | 10/8/2009 7:06:25 AM |
| davechris870 | $25.00 | $25.00 | 10/8/2009 7:21:48 AM |
| Ragnar | $25.00 | $25.00 | 10/7/2009 11:06:32 PM |
| museic1 | $50.00 | $50.00 | 10/8/2009 11:12:26 AM |
| progressive-rupee | $25.00 | $25.00 | 10/8/2009 9:31:52 AM |
| Aimvest | $25.00 | $25.00 | 10/8/2009 9:36:14 AM |
| zoomdrm57 | $25.00 | $25.00 | 10/8/2009 9:12:14 AM |
| laudable-balance | $25.00 | $25.00 | 10/8/2009 9:33:24 AM |
| worth-revelry | $25.00 | $25.00 | 10/8/2009 9:34:41 AM |
| bonus-buddy2 | $35.00 | $35.00 | 10/8/2009 1:21:07 PM |
| brw | $25.00 | $25.00 | 10/8/2009 11:22:02 AM |
| thrifty-return | $50.00 | $50.00 | 10/8/2009 2:06:22 PM |
| gadget7 | $25.00 | $25.00 | 10/8/2009 2:22:15 PM |
| lcole32 | $25.00 | $25.00 | 10/8/2009 11:06:20 AM |
| Savings_EQ_Dignity | $35.00 | $35.00 | 10/8/2009 2:49:25 PM |
| dparkhom | $25.00 | $25.00 | 10/8/2009 12:51:12 PM |
| neighborly-bid | $25.00 | $25.00 | 10/8/2009 12:51:15 PM |
| igloo418 | $25.00 | $25.00 | 10/8/2009 3:06:42 PM |
| innocent-deal | $25.00 | $25.00 | 10/8/2009 2:41:23 PM |
| panegryst | $25.00 | $25.00 | 10/8/2009 3:39:06 PM |
| Approved1234 | $25.00 | $25.00 | 10/8/2009 3:41:09 PM |
| Walkingcowboy | $25.00 | $25.00 | 10/8/2009 3:53:03 PM |
| MrVin | $25.00 | $25.00 | 10/8/2009 3:16:19 PM |
| tbati | $25.00 | $25.00 | 10/8/2009 3:26:26 PM |
| Halos2002 | $50.00 | $50.00 | 10/8/2009 3:47:16 PM |
| jcfunder | $25.00 | $25.00 | 10/8/2009 3:52:47 PM |
| SB-Funding | $50.00 | $50.00 | 10/8/2009 4:31:13 PM |
| anwn | $25.00 | $25.00 | 10/8/2009 4:41:18 PM |
| joex | $25.00 | $25.00 | 10/8/2009 4:53:54 PM |
| TrustOne | $25.00 | $25.00 | 10/8/2009 4:56:24 PM |
| kindness-saver | $75.00 | $75.00 | 10/8/2009 5:26:52 PM |
| theQuietLender | $25.00 | $25.00 | 10/8/2009 6:31:13 PM |
| yield-lion | $25.00 | $25.00 | 10/8/2009 4:52:56 PM |
| MissionMicroFinance | $50.00 | $50.00 | 10/8/2009 5:18:03 PM |
| TW2000 | $25.00 | $25.00 | 10/8/2009 7:56:12 PM |
| greenfuture | $25.00 | $25.00 | 10/8/2009 6:06:07 PM |
| mocrepsorp13 | $25.00 | $25.00 | 10/8/2009 9:22:17 PM |
| lagnisiruk | $25.00 | $25.00 | 10/8/2009 11:13:46 PM |
| jakedubb | $25.00 | $25.00 | 10/9/2009 2:10:37 AM |
| Hondo | $25.00 | $25.00 | 10/8/2009 8:01:34 PM |
| engaging-worth | $30.00 | $30.00 | 10/8/2009 8:32:30 PM |
| jct_enterprises | $25.00 | $25.00 | 10/9/2009 6:36:44 AM |
| SASBANK | $25.00 | $25.00 | 10/9/2009 6:36:47 AM |
| JohnGalt94 | $25.00 | $25.00 | 10/8/2009 10:58:22 PM |
| meux99 | $25.00 | $25.00 | 10/9/2009 6:40:06 AM |
| ChristopherHS | $25.00 | $25.00 | 10/9/2009 12:09:44 AM |
| goofy15975 | $25.00 | $25.00 | 10/9/2009 8:59:12 AM |
| chillware | $25.00 | $25.00 | 10/9/2009 9:09:10 AM |
| BigLinCT | $50.00 | $50.00 | 10/9/2009 7:59:11 AM |
| anakinsolo | $25.00 | $25.00 | 10/9/2009 9:34:47 AM |
| Tradesmanlender | $25.00 | $25.00 | 10/9/2009 9:37:41 AM |
| gilbow | $25.00 | $25.00 | 10/9/2009 11:29:05 AM |
| special-responsibility | $25.00 | $25.00 | 10/9/2009 8:15:46 AM |
| minista | $25.00 | $25.00 | 10/9/2009 11:29:11 AM |
| janicewill | $25.00 | $25.00 | 10/9/2009 12:08:59 PM |
| exact-point | $25.00 | $25.00 | 10/9/2009 12:14:44 PM |
| kindness-casserole | $25.00 | $25.00 | 10/9/2009 10:28:56 AM |
| BlueSummers | $28.46 | $28.46 | 10/9/2009 1:34:32 PM |
| five-star-note | $25.00 | $25.00 | 10/9/2009 12:41:46 PM |
| trapper569 | $25.00 | $25.00 | 10/9/2009 3:33:56 PM |
| SDNLR | $25.00 | $25.00 | 10/9/2009 4:08:10 PM |
| saffron4 | $25.00 | $25.00 | 10/9/2009 5:39:40 PM |
| g314 | $30.00 | $30.00 | 10/9/2009 11:40:41 PM |
| nicklds | $25.00 | $25.00 | 10/9/2009 6:58:44 PM |
| uncleegg | $25.00 | $25.00 | 10/10/2009 5:14:05 AM |
| jplatypus | $25.00 | $25.00 | 10/9/2009 6:43:44 PM |
| Lender0010 | $25.00 | $25.00 | 10/10/2009 1:14:04 PM |
| loiosh | $25.00 | $25.00 | 10/10/2009 6:14:42 AM |
| Coach2often | $50.00 | $50.00 | 10/10/2009 6:49:16 AM |
| dr-dollar | $25.00 | $25.00 | 10/10/2009 7:34:05 AM |
| GRI | $50.00 | $50.00 | 10/10/2009 3:05:32 PM |
| jazz619 | $50.00 | $50.00 | 10/10/2009 10:01:08 AM |
| Trimalchio12 | $25.00 | $25.00 | 10/10/2009 10:13:45 AM |
| nodrivelpls | $25.00 | $25.00 | 10/10/2009 3:05:48 PM |
| standanddeliver | $25.00 | $25.00 | 10/10/2009 3:06:09 PM |
| CAGE-Investments | $50.00 | $50.00 | 10/12/2009 2:39:44 PM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 10/12/2009 3:59:12 PM |
| corndog4000 | $52.00 | $52.00 | 10/13/2009 12:37:48 AM |
| rdrloan | $25.00 | $25.00 | 10/13/2009 2:15:00 PM |
| fair_rates | $25.00 | $25.00 | 10/13/2009 5:44:04 PM |
| liederhaus | $50.00 | $50.00 | 10/13/2009 5:54:08 PM |
| LoanDMC | $25.00 | $25.00 | 10/13/2009 6:21:27 PM |
| 272 bids
|
Borrower Payment Dependent Notes Series
422505
This series of Notes was issued and sold upon the funding of the borrower loan #39027, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-16-2009 |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $636.77 |
|
Final lender yield:
| 22.55% |
Final borrower rate/APR:
| 23.55% / 25.84% |
Final monthly payment:
| $584.95 |
| |
|
Auction yield range:
| 8.27% - 29.00% |
Estimated loss impact:
| 9.03% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.52% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 5 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 780-800 (Sep-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $36,154 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 75% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| Always_Reliable |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Transport Company Startup Funds
Purpose of loan:
This loan will be used to launch a new business specializing in a niche of the transportation industry known as hot shot trucking.? This type of transportation uses medium duty trucks (i.e. 1.5 ton trucks) to move sometimes large and usually lighter loads more fuel efficiently than traditional semi trucks.? I have been researching this segment of the industry and developing financial projections for some time now.? The results have been very encouraging.?
Additionally, the cost of commercial vehicles is currently very low due to an abundance of supply, although credit for these vehicles is also still tight, making this an excellent time to launch this venture with an alternative funding source such as Prosper.? Couple that with emerging reports that a truck shortage may have been created during the current economic slowdown, and an opportunity to build a winning business seems very attainable.? The proceeds of this loan will be used to purchase a 45-foot lowboy trailer and upfits to the truck, including a sleeper and 5th wheel hitch.
My financial situation:
I am a good candidate for this loan because I have a business plan in place to ensure positive cash flow from the start of operations.? I have invested a great deal of time in developing accurate cost estimates (about $0.80/mile) which will help avoid surprises and better determine haul rates.? These rates vary considerably depending on load size, weight, urgency, etc, but industry averages hover around $1.75/mile, making the potential for significant profit realistic.? I believe that this business will generate enough revenue in the short term to meet my financial obligations as well as to provide funds for growing the business.? I have always used financing effectively to meet my goals in the past and have never defaulted on an obligation.? Prosper lists my current revolving credit balance at $36,000; however, this has been reduced to $8,000 in the last 30 days.
I will be trading in my personal vehicle on this commercial vehicle, so my overall expenses will not increase dramatically.? I?ll be converting a truck that I drive everyday into a revenue-producing asset. This business has been a goal of mine for a long time and I am energized by the prospect of using this loan to make it a reality.
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:
Are you planning to quit your computer programming job to pursue the trucking business full-time? - reflective-rupee
A:
Yes I am...though there may be some opportunities for consulting with my former employer and other business contacts.
(Oct-08-2009)
Q:
Are you quitting your job to drive the truck for your business? - jybank
A:
(please see previous answer)
(Oct-08-2009)
Q:
Who has trucking experience on your team? - Mahogany_Group
A:
The team consists of myself and my dog, Jamo, and I'm pretty sure she can't reach the clutch. Seriously, I have not hauled freight commercially before but I've been driving rescue trucks (with long snowmobile trailers) much bigger than this one for 5 years and have also driven passenger vans commercially, all in mountain conditions.
(Oct-09-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| capital-galaxy | $75.00 | $75.00 | 10/2/2009 4:16:26 PM |
| a-healthy-affluence | $50.00 | $50.00 | 10/2/2009 4:17:06 PM |
| zone8 | $100.00 | $100.00 | 10/2/2009 4:17:17 PM |
| jonn834 | $25.00 | $25.00 | 10/2/2009 4:23:48 PM |
| birddogsb | $50.00 | $50.00 | 10/2/2009 4:24:01 PM |
| Havana21 | $50.00 | $50.00 | 10/2/2009 4:22:39 PM |
| InvestorPartners | $25.00 | $25.00 | 10/2/2009 4:23:17 PM |
| thrifty-return | $30.00 | $30.00 | 10/2/2009 4:23:55 PM |
| andrewgl | $25.00 | $25.00 | 10/2/2009 4:24:12 PM |
| davenyc | $25.00 | $25.00 | 10/2/2009 4:26:44 PM |
| seisen | $50.00 | $50.00 | 10/2/2009 4:30:41 PM |
| icon7 | $25.00 | $25.00 | 10/2/2009 4:30:44 PM |
| louisianalender | $100.00 | $100.00 | 10/2/2009 4:31:12 PM |
| heroic-benefit | $25.00 | $25.00 | 10/2/2009 4:31:17 PM |
| bmbanzai | $25.00 | $25.00 | 10/2/2009 4:32:23 PM |
| riversmoke | $25.00 | $25.00 | 10/2/2009 4:32:34 PM |
| bazaar-tulip | $25.00 | $25.00 | 10/2/2009 4:30:14 PM |
| inventive-exchange | $25.00 | $25.00 | 10/2/2009 4:33:22 PM |
| poeman | $25.00 | $25.00 | 10/2/2009 4:30:19 PM |
| Halos2002 | $50.00 | $50.00 | 10/2/2009 4:30:27 PM |
| firewomin | $25.00 | $25.00 | 10/2/2009 4:30:48 PM |
| personal-lender | $25.00 | $25.00 | 10/2/2009 4:30:37 PM |
| GMPK_TLAS | $25.00 | $25.00 | 10/2/2009 4:30:56 PM |
| delivery | $25.00 | $25.00 | 10/2/2009 4:30:54 PM |
| Shepherd7 | $25.00 | $25.00 | 10/2/2009 4:31:10 PM |
| larrybird | $95.00 | $95.00 | 10/2/2009 4:31:20 PM |
| treasure-bliss | $50.00 | $50.00 | 10/2/2009 4:31:22 PM |
| blackbird02 | $25.00 | $25.00 | 10/2/2009 4:31:45 PM |
| tender-gold | $25.00 | $25.00 | 10/2/2009 4:32:33 PM |
| UCLA4life | $25.00 | $25.00 | 10/2/2009 4:32:47 PM |
| coolspeed | $25.00 | $25.00 | 10/2/2009 4:32:35 PM |
| integrity-spilunker | $25.00 | $25.00 | 10/2/2009 4:33:00 PM |
| shomikaci | $25.00 | $25.00 | 10/2/2009 4:33:21 PM |
| attractive-rate | $25.00 | $25.00 | 10/2/2009 4:33:23 PM |
| Gibbyland | $50.00 | $50.00 | 10/2/2009 4:33:28 PM |
| Savings_EQ_Dignity | $25.00 | $25.00 | 10/2/2009 4:40:32 PM |
| FjLenders | $25.00 | $25.00 | 10/3/2009 3:24:42 AM |
| RedCentre | $185.37 | $185.37 | 10/3/2009 7:15:28 AM |
| Snowflake6515 | $25.00 | $25.00 | 10/4/2009 5:24:32 AM |
| rodaku | $42.92 | $42.92 | 10/3/2009 6:08:46 PM |
| PatRichi | $25.00 | $25.00 | 10/4/2009 8:29:24 AM |
| Ragnar | $25.00 | $25.00 | 10/3/2009 10:14:34 PM |
| leverage-trident | $25.00 | $25.00 | 10/5/2009 9:35:02 AM |
| twomonkeys3 | $25.00 | $25.00 | 10/5/2009 11:04:46 AM |
| Payasoup | $50.00 | $50.00 | 10/5/2009 11:36:42 AM |
| Exia | $25.00 | $25.00 | 10/5/2009 11:59:46 AM |
| magnetic-duty | $25.00 | $25.00 | 10/5/2009 9:50:04 AM |
| ijspence | $25.00 | $25.00 | 10/5/2009 10:35:12 AM |
| BenOrt | $25.00 | $25.00 | 10/5/2009 1:04:51 PM |
| flexiboy35 | $25.00 | $25.00 | 10/5/2009 3:30:38 PM |
| godzig | $25.00 | $25.00 | 10/5/2009 11:36:02 PM |
| five-star-note | $25.00 | $25.00 | 10/6/2009 8:06:24 AM |
| dinero-mason | $50.00 | $50.00 | 10/6/2009 1:56:49 PM |
| bnlforever | $25.00 | $25.00 | 10/6/2009 11:31:57 AM |
| jstefans | $25.00 | $25.00 | 10/6/2009 2:18:16 PM |
| omerta6102 | $50.00 | $50.00 | 10/6/2009 2:18:32 PM |
| JDFuego | $25.00 | $25.00 | 10/6/2009 2:18:56 PM |
| Plotinus | $49.47 | $49.47 | 10/6/2009 2:19:15 PM |
| punctual-worth | $25.00 | $25.00 | 10/6/2009 2:19:27 PM |
| A007 | $25.00 | $25.00 | 10/6/2009 2:20:46 PM |
| site_ml | $25.00 | $25.00 | 10/6/2009 2:32:18 PM |
| damanq | $30.84 | $30.84 | 10/6/2009 2:32:34 PM |
| mmqc | $25.00 | $25.00 | 10/6/2009 1:56:34 PM |
| topher515 | $25.00 | $25.00 | 10/6/2009 2:18:29 PM |
| YQQ | $25.00 | $25.00 | 10/6/2009 1:57:02 PM |
| gm93001 | $25.00 | $25.00 | 10/6/2009 1:58:43 PM |
| AF_Trust | $25.00 | $25.00 | 10/6/2009 2:21:10 PM |
| PaulW | $25.00 | $25.00 | 10/6/2009 2:31:47 PM |
| dadalou | $25.00 | $25.00 | 10/6/2009 2:31:54 PM |
| SNL_Svs | $25.00 | $25.00 | 10/6/2009 2:32:11 PM |
| stolan | $25.00 | $25.00 | 10/6/2009 2:32:43 PM |
| sharpchicago | $25.00 | $25.00 | 10/6/2009 2:34:32 PM |
| runner262 | $25.00 | $25.00 | 10/6/2009 2:18:52 PM |
| benroo | $25.00 | $25.00 | 10/6/2009 2:19:11 PM |
| rhin0cerx | $45.36 | $45.36 | 10/6/2009 2:32:01 PM |
| kmavm | $25.00 | $25.00 | 10/6/2009 2:32:39 PM |
| nick5454 | $25.00 | $25.00 | 10/6/2009 4:52:32 PM |
| biobulator | $25.00 | $25.00 | 10/6/2009 4:53:07 PM |
| johnayan | $25.00 | $25.00 | 10/6/2009 5:36:10 PM |
| azncurls82 | $50.00 | $50.00 | 10/6/2009 4:41:45 PM |
| Darkjimson | $25.00 | $25.00 | 10/6/2009 4:42:36 PM |
| andycheb | $25.00 | $25.00 | 10/6/2009 4:52:00 PM |
| YellowJacket | $25.00 | $25.00 | 10/6/2009 4:52:10 PM |
| TheColoradoDon | $25.00 | $25.00 | 10/6/2009 4:52:15 PM |
| flwah | $25.00 | $25.00 | 10/6/2009 6:56:35 PM |
| festeringsnot | $25.00 | $25.00 | 10/6/2009 4:42:30 PM |
| Rogelio48 | $25.00 | $25.00 | 10/6/2009 5:06:03 PM |
| bradania | $25.00 | $25.00 | 10/6/2009 4:51:29 PM |
| tijuas90 | $25.00 | $25.00 | 10/6/2009 5:33:15 PM |
| fred1340 | $25.00 | $25.00 | 10/6/2009 8:26:18 PM |
| andypbe | $25.00 | $25.00 | 10/6/2009 8:47:30 PM |
| Cpay2Me | $25.00 | $25.00 | 10/6/2009 9:36:05 PM |
| irrelevant | $25.00 | $25.00 | 10/6/2009 9:42:15 PM |
| TaoPooh | $25.00 | $25.00 | 10/6/2009 7:17:18 PM |
| nicklds | $25.00 | $25.00 | 10/6/2009 5:33:13 PM |
| Raetha | $25.00 | $25.00 | 10/7/2009 10:26:21 AM |
| HunterSix | $25.00 | $25.00 | 10/7/2009 10:43:34 AM |
| whatknows | $25.00 | $25.00 | 10/7/2009 10:54:15 AM |
| HH123 | $25.00 | $25.00 | 10/7/2009 11:01:02 AM |
| MONEYMATCH | $25.41 | $25.41 | 10/7/2009 11:08:23 AM |
| star7705 | $25.00 | $25.00 | 10/7/2009 11:11:03 AM |
| Viamin | $25.00 | $25.00 | 10/7/2009 9:36:24 AM |
| dt2812 | $25.00 | $25.00 | 10/7/2009 11:26:32 AM |
| xana-rocky | $25.00 | $25.00 | 10/7/2009 6:56:05 AM |
| Emberfox | $25.00 | $25.00 | 10/7/2009 11:42:06 AM |
| compsciman | $50.00 | $50.00 | 10/7/2009 10:18:03 AM |
| karpman3 | $50.00 | $50.00 | 10/7/2009 10:41:54 AM |
| yarg | $25.00 | $25.00 | 10/7/2009 10:53:14 AM |
| wbahl | $25.00 | $25.00 | 10/7/2009 10:56:01 AM |
| HalfDayz | $50.00 | $50.00 | 10/7/2009 11:11:06 AM |
| NoMoreDebt4Me | $25.00 | $25.00 | 10/7/2009 11:17:38 AM |
| funds-promiser | $50.00 | $50.00 | 10/7/2009 1:52:14 PM |
| zrohmm | $25.00 | $25.00 | 10/7/2009 11:42:20 AM |
| gustavzantanon | $50.00 | $50.00 | 10/7/2009 10:46:07 AM |
| L-vex | $25.00 | $25.00 | 10/7/2009 10:52:45 AM |
| Najaca | $25.00 | $25.00 | 10/7/2009 11:51:07 AM |
| slojudy | $25.00 | $25.00 | 10/7/2009 11:09:36 AM |
| dough-bear | $50.00 | $50.00 | 10/7/2009 11:57:14 AM |
| asmithj | $40.24 | $40.24 | 10/7/2009 11:58:13 AM |
| Fernpatch_autoshop | $25.00 | $25.00 | 10/7/2009 11:44:03 AM |
| inkplj | $48.33 | $48.33 | 10/7/2009 11:51:04 AM |
| majorf2136 | $25.00 | $25.00 | 10/7/2009 11:51:38 AM |
| loanfairy | $25.00 | $25.00 | 10/7/2009 2:19:54 PM |
| BBL | $25.00 | $25.00 | 10/7/2009 4:12:13 PM |
| stoopidnoodle | $25.00 | $25.00 | 10/7/2009 5:41:53 PM |
| shiny-dollar9 | $25.00 | $25.00 | 10/7/2009 7:21:16 PM |
| lendcraft | $25.00 | $25.00 | 10/7/2009 6:01:06 PM |
| Bank_Of_XL | $100.00 | $100.00 | 10/8/2009 7:08:19 AM |
| Apex-Lender | $25.00 | $25.00 | 10/8/2009 8:16:29 AM |
| joseapg | $25.00 | $25.00 | 10/7/2009 10:21:01 PM |
| dbmurch | $25.00 | $25.00 | 10/8/2009 11:01:32 AM |
| brightest-shrewd-vigilance | $25.00 | $25.00 | 10/8/2009 9:32:42 AM |
| lcole32 | $35.00 | $35.00 | 10/8/2009 11:06:03 AM |
| RSV | $25.00 | $25.00 | 10/8/2009 11:52:21 AM |
| SF2Berlin | $25.00 | $25.00 | 10/8/2009 12:01:53 PM |
| James_and_Tracy | $25.00 | $25.00 | 10/8/2009 11:11:56 AM |
| ChuckChedda | $25.00 | $25.00 | 10/8/2009 2:46:41 PM |
| rmachi | $25.00 | $25.00 | 10/8/2009 2:46:59 PM |
| wampum-proton | $25.00 | $25.00 | 10/8/2009 2:47:14 PM |
| another412 | $25.00 | $25.00 | 10/8/2009 1:11:35 PM |
| Wowzer | $25.00 | $25.00 | 10/8/2009 2:46:44 PM |
| churbanboy | $25.00 | $25.00 | 10/8/2009 3:14:33 PM |
| mathprof | $25.00 | $25.00 | 10/8/2009 2:46:51 PM |
| WorldlyWorker | $25.00 | $25.00 | 10/8/2009 2:46:58 PM |
| return-owner | $25.00 | $25.00 | 10/8/2009 2:47:07 PM |
| screenname03 | $25.00 | $25.00 | 10/8/2009 2:47:18 PM |
| csarradio | $25.00 | $25.00 | 10/8/2009 6:26:29 PM |
| Veggie_Monkey | $25.00 | $25.00 | 10/8/2009 6:26:30 PM |
| junes08 | $50.00 | $50.00 | 10/8/2009 7:16:31 PM |
| unclejaef | $25.00 | $25.00 | 10/8/2009 10:21:43 PM |
| mikeyp411 | $25.00 | $25.00 | 10/8/2009 6:35:13 PM |
| nhi | $50.00 | $50.00 | 10/8/2009 11:09:27 PM |
| InDyingLight | $25.00 | $25.00 | 10/9/2009 12:33:30 AM |
| Helenska11 | $50.00 | $50.00 | 10/9/2009 7:36:10 AM |
| seattleite36 | $25.00 | $25.00 | 10/9/2009 6:34:04 AM |
| TCayce | $25.00 | $25.00 | 10/9/2009 6:34:08 AM |
| Hutpit | $32.09 | $32.09 | 10/9/2009 9:33:54 AM |
| JumpinJackFlash | $25.00 | $25.00 | 10/9/2009 11:58:48 AM |
| aader | $25.00 | $25.00 | 10/9/2009 10:38:44 AM |
| JD-01 | $25.00 | $25.00 | 10/9/2009 5:59:11 PM |
| oreyedoc | $25.00 | $25.00 | 10/10/2009 12:39:07 AM |
| ritchie70 | $25.00 | $25.00 | 10/9/2009 5:40:03 PM |
| marcomnzs | $40.51 | $40.51 | 10/10/2009 12:39:09 AM |
| impasse1 | $25.00 | $25.00 | 10/10/2009 12:43:47 PM |
| loan-gatherer | $25.00 | $25.00 | 10/10/2009 9:28:48 AM |
| Warbler | $25.00 | $25.00 | 10/10/2009 3:04:56 PM |
| oooch2 | $25.00 | $25.00 | 10/10/2009 3:29:00 PM |
| fillholdingsllc | $25.00 | $25.00 | 10/11/2009 10:41:06 AM |
| CornerKetch | $25.00 | $25.00 | 10/11/2009 5:19:33 PM |
| jpreal | $25.00 | $25.00 | 10/11/2009 11:05:13 PM |
| mn | $75.00 | $75.00 | 10/12/2009 7:45:36 AM |
| baconguy | $25.00 | $25.00 | 10/12/2009 1:38:42 PM |
| joshstomper | $25.00 | $25.00 | 10/12/2009 2:09:10 PM |
| blackballplayer | $25.00 | $25.00 | 10/12/2009 3:24:02 PM |
| tnjohnso | $25.00 | $25.00 | 10/12/2009 4:16:45 PM |
| Sixmil | $25.00 | $25.00 | 10/12/2009 2:41:10 PM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 10/12/2009 3:45:30 PM |
| Syzygy | $25.00 | $25.00 | 10/12/2009 5:40:14 PM |
| opmjdv | $25.00 | $25.00 | 10/12/2009 5:43:49 PM |
| buckeyeatheart | $25.00 | $25.00 | 10/12/2009 9:08:35 PM |
| head | $25.00 | $25.00 | 10/12/2009 7:43:46 PM |
| larryboy10 | $43.85 | $43.85 | 10/12/2009 7:47:19 PM |
| charity_fundraiser | $31.74 | $29.43 | 10/12/2009 8:54:02 PM |
| interstellar | $50.00 | $50.00 | 10/13/2009 8:59:30 AM |
| Prezotus | $25.00 | $25.00 | 10/13/2009 12:31:12 PM |
| investment-cluster | $25.00 | $25.00 | 10/13/2009 1:21:58 PM |
| bartenderpro | $27.37 | $27.37 | 10/13/2009 5:48:53 PM |
| msg500wave | $50.00 | $50.00 | 10/13/2009 6:24:02 PM |
| Zipcut | $200.00 | $200.00 | 10/13/2009 8:52:28 PM |
| witty-compassion | $25.00 | $25.00 | 10/14/2009 12:17:49 AM |
| sociallender | $25.00 | $25.00 | 10/14/2009 6:33:03 AM |
| george9960 | $45.00 | $45.00 | 10/14/2009 3:13:46 PM |
| fillholdingsllc | $25.00 | $25.00 | 10/14/2009 3:54:49 PM |
| nashibaksi | $25.00 | $25.00 | 10/14/2009 6:15:01 PM |
| bosloan26 | $150.00 | $150.00 | 10/15/2009 3:08:33 PM |
| money-expert | $25.00 | $25.00 | 10/15/2009 1:21:17 PM |
| happylender999 | $42.93 | $42.93 | 10/15/2009 1:34:42 PM |
| rjglender | $25.00 | $25.00 | 10/15/2009 5:15:13 PM |
| LahnDi | $25.00 | $25.00 | 10/15/2009 7:39:20 PM |
| invincible-gain | $100.00 | $100.00 | 10/15/2009 6:26:32 PM |
| balance-warrior | $25.00 | $25.00 | 10/16/2009 7:20:30 AM |
| eyal0 | $36.41 | $36.41 | 10/16/2009 11:11:17 AM |
| mcshew99 | $51.52 | $51.52 | 10/16/2009 8:05:32 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/16/2009 10:21:35 AM |
| himanshuko | $45.00 | $45.00 | 10/16/2009 12:17:52 PM |
| Rip128 | $25.00 | $25.00 | 10/16/2009 12:34:29 PM |
| hglrfdom | $25.00 | $25.00 | 10/16/2009 11:42:33 AM |
| treasure-transporter | $100.00 | $100.00 | 10/16/2009 12:55:46 PM |
| photo999 | $25.00 | $25.00 | 10/16/2009 12:59:44 PM |
| srfb973 | $35.00 | $35.00 | 10/16/2009 1:31:27 PM |
| icon7 | $25.00 | $25.00 | 10/16/2009 4:00:47 PM |
| leverage-trident | $50.00 | $50.00 | 10/16/2009 3:02:18 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/16/2009 4:02:47 PM |
| shalofin | $66.31 | $66.31 | 10/16/2009 3:32:06 PM |
| zztopdog | $25.00 | $25.00 | 10/16/2009 4:03:54 PM |
| Engineer44 | $35.00 | $35.00 | 10/16/2009 4:09:46 PM |
| power-collider | $25.00 | $25.00 | 10/2/2009 4:17:04 PM |
| wildguy | $25.00 | $25.00 | 10/2/2009 4:16:12 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 10/2/2009 4:16:20 PM |
| Kaj | $25.00 | $25.00 | 10/2/2009 4:18:16 PM |
| rapid-power2 | $25.00 | $25.00 | 10/2/2009 4:23:22 PM |
| five-star-justice | $36.00 | $36.00 | 10/2/2009 4:20:54 PM |
| Artist_Blue | $25.00 | $25.00 | 10/2/2009 4:22:40 PM |
| gracej | $25.00 | $25.00 | 10/2/2009 4:23:03 PM |
| thedreamer | $25.00 | $25.00 | 10/2/2009 4:30:07 PM |
| CarDealer3070 | $30.00 | $30.00 | 10/2/2009 4:30:09 PM |
| snoopey100 | $25.00 | $25.00 | 10/2/2009 4:30:12 PM |
| spitzbergen | $25.00 | $25.00 | 10/2/2009 4:30:40 PM |
| justice-dna | $25.00 | $25.00 | 10/2/2009 4:30:46 PM |
| secobarbital | $25.00 | $25.00 | 10/2/2009 4:30:51 PM |
| Mantis75 | $25.00 | $25.00 | 10/2/2009 4:31:01 PM |
| Phantom99 | $25.00 | $25.00 | 10/2/2009 4:31:31 PM |
| fcb202 | $25.00 | $25.00 | 10/2/2009 4:31:47 PM |
| westsidehighway | $25.00 | $25.00 | 10/2/2009 4:32:26 PM |
| neighborly-bid | $25.00 | $25.00 | 10/2/2009 4:30:19 PM |
| lagnisiruk | $25.00 | $25.00 | 10/2/2009 4:30:16 PM |
| SNH | $50.00 | $50.00 | 10/2/2009 4:30:21 PM |
| visionary-currency | $25.00 | $25.00 | 10/2/2009 4:30:25 PM |
| turbine5 | $25.00 | $25.00 | 10/2/2009 4:30:26 PM |
| Dreams4Cash | $25.00 | $25.00 | 10/2/2009 4:30:30 PM |
| fuzed | $25.00 | $25.00 | 10/2/2009 4:30:33 PM |
| MARWARISETH | $25.00 | $25.00 | 10/2/2009 4:30:35 PM |
| slcchad | $25.00 | $25.00 | 10/2/2009 4:30:58 PM |
| unk1911 | $25.00 | $25.00 | 10/2/2009 4:40:33 PM |
| anton | $25.00 | $25.00 | 10/2/2009 4:31:05 PM |
| kegs | $100.00 | $100.00 | 10/2/2009 4:31:18 PM |
| deal-secret-agent | $25.00 | $25.00 | 10/2/2009 4:31:26 PM |
| affluence-tycoon | $40.94 | $40.94 | 10/2/2009 4:31:28 PM |
| p2ploan-lion | $25.00 | $25.00 | 10/2/2009 4:31:49 PM |
| FeedTheMachine | $150.00 | $150.00 | 10/2/2009 4:32:28 PM |
| RadCad1 | $25.00 | $25.00 | 10/2/2009 4:32:36 PM |
| impressive-loan | $100.00 | $100.00 | 10/2/2009 4:32:27 PM |
| Sateesh | $100.00 | $100.00 | 10/2/2009 4:32:30 PM |
| lovely-return7 | $25.00 | $25.00 | 10/2/2009 4:32:32 PM |
| hawkhelp | $25.00 | $25.00 | 10/2/2009 4:32:39 PM |
| djh47a | $25.00 | $25.00 | 10/2/2009 4:32:46 PM |
| cash-tiramisu | $250.00 | $250.00 | 10/2/2009 4:33:20 PM |
| elegant-economy | $25.00 | $25.00 | 10/2/2009 4:33:49 PM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/2/2009 4:33:56 PM |
| bluesheep | $25.00 | $25.00 | 10/2/2009 4:33:48 PM |
| noble-revenue | $100.00 | $100.00 | 10/2/2009 4:40:33 PM |
| chief_wo | $25.00 | $25.00 | 10/3/2009 7:15:25 AM |
| MidnightBank | $25.00 | $25.00 | 10/2/2009 10:04:34 PM |
| KiwiElf | $25.00 | $25.00 | 10/2/2009 10:30:02 PM |
| saffron4 | $25.00 | $25.00 | 10/3/2009 7:15:30 AM |
| honorable-yield | $25.00 | $25.00 | 10/3/2009 2:04:50 PM |
| wise-silver-wonder | $25.00 | $25.00 | 10/3/2009 3:04:45 PM |
| tsquared_030 | $25.00 | $25.00 | 10/4/2009 8:36:59 AM |
| VeniVidiDuci | $25.00 | $25.00 | 10/5/2009 9:35:12 AM |
| busybee007 | $25.00 | $25.00 | 10/5/2009 7:34:30 AM |
| AF-Chief | $25.00 | $25.00 | 10/5/2009 8:31:30 AM |
| Raven39 | $25.00 | $25.00 | 10/5/2009 10:19:31 AM |
| Brainworm | $25.00 | $25.00 | 10/5/2009 2:39:33 PM |
| decisive-capital | $50.00 | $50.00 | 10/5/2009 4:05:46 PM |
| bid-papyrus | $25.00 | $25.00 | 10/6/2009 3:47:21 AM |
| dparkhom | $25.00 | $25.00 | 10/6/2009 7:16:04 AM |
| MrMcduck | $25.00 | $25.00 | 10/6/2009 9:32:33 AM |
| enriched-dollar | $25.00 | $25.00 | 10/6/2009 9:32:03 AM |
| upc_tnt | $25.00 | $25.00 | 10/6/2009 12:46:03 PM |
| three-for-6 | $25.00 | $25.00 | 10/6/2009 9:32:08 AM |
| Buffer10 | $25.00 | $25.00 | 10/6/2009 1:52:04 PM |
| p2p-allocator | $25.00 | $25.00 | 10/6/2009 1:57:06 PM |
| zeelender | $25.00 | $25.00 | 10/6/2009 10:22:06 AM |
| kloan | $25.00 | $25.00 | 10/6/2009 2:18:28 PM |
| Kijib | $25.00 | $25.00 | 10/6/2009 2:18:37 PM |
| jplatypus | $25.00 | $25.00 | 10/6/2009 2:31:42 PM |
| TEAM-Jasper | $25.00 | $25.00 | 10/6/2009 2:31:53 PM |
| NATIVEBORN | $25.00 | $25.00 | 10/6/2009 11:31:59 AM |
| p2ploan-bliss | $25.00 | $25.00 | 10/6/2009 2:32:31 PM |
| revenue-achievement | $25.00 | $25.00 | 10/6/2009 2:32:40 PM |
| KevinC_63366 | $25.00 | $25.00 | 10/6/2009 2:32:51 PM |
| hayhelp | $25.00 | $25.00 | 10/6/2009 1:57:07 PM |
| selfmademan | $25.00 | $25.00 | 10/6/2009 1:58:42 PM |
| Fahrquar | $25.00 | $25.00 | 10/6/2009 2:18:38 PM |
| ChrisTJ | $25.00 | $25.00 | 10/6/2009 2:19:16 PM |
| lostontheedge | $25.00 | $25.00 | 10/6/2009 2:19:26 PM |
| IIP77 | $25.00 | $25.00 | 10/6/2009 2:20:59 PM |
| MissionMicroFinance | $25.00 | $25.00 | 10/6/2009 2:32:10 PM |
| jlr613 | $25.00 | $25.00 | 10/6/2009 2:32:38 PM |
| money-vista | $25.00 | $25.00 | 10/6/2009 2:34:32 PM |
| divedude | $25.00 | $25.00 | 10/6/2009 2:18:31 PM |
| CPAMAN | $25.00 | $25.00 | 10/6/2009 2:18:43 PM |
| MicroPod | $25.00 | $25.00 | 10/6/2009 2:18:55 PM |
| derec | $25.00 | $25.00 | 10/6/2009 2:19:19 PM |
| yomanie | $25.00 | $25.00 | 10/6/2009 2:20:43 PM |
| samo102us | $25.00 | $25.00 | 10/6/2009 2:20:44 PM |
| ramsbladder | $25.00 | $25.00 | 10/6/2009 2:31:49 PM |
| charlieok | $25.00 | $25.00 | 10/6/2009 2:32:00 PM |
| skro | $25.00 | $25.00 | 10/6/2009 2:32:50 PM |
| MKLInvestments | $25.00 | $25.00 | 10/6/2009 3:41:02 PM |
| testobsessed | $100.00 | $100.00 | 10/6/2009 4:53:11 PM |
| boghdan2000 | $25.00 | $25.00 | 10/6/2009 4:55:52 PM |
| spsavage | $25.00 | $25.00 | 10/6/2009 4:52:20 PM |
| theemhdoctor | $25.00 | $25.00 | 10/6/2009 4:51:35 PM |
| showmestatekid | $25.00 | $25.00 | 10/6/2009 8:47:31 PM |
| new-truth-chuckler | $25.00 | $25.00 | 10/6/2009 5:46:10 PM |
| scott1058 | $25.00 | $25.00 | 10/6/2009 8:47:32 PM |
| porkhelmet | $25.00 | $25.00 | 10/7/2009 12:01:31 AM |
| theincarnatemike | $25.00 | $25.00 | 10/6/2009 8:47:33 PM |
| draggon77 | $25.00 | $25.00 | 10/6/2009 8:51:07 PM |
| TH99 | $25.00 | $25.00 | 10/7/2009 10:26:22 AM |
| i3urtonair | $25.00 | $25.00 | 10/7/2009 12:01:29 AM |
| mwl | $25.00 | $25.00 | 10/7/2009 10:52:59 AM |
| SpareChangeHero | $25.00 | $25.00 | 10/7/2009 10:56:10 AM |
| rdecartus | $25.00 | $25.00 | 10/7/2009 9:36:05 AM |
| jblack01 | $25.00 | $25.00 | 10/7/2009 11:26:26 AM |
| amijo | $25.00 | $25.00 | 10/7/2009 11:27:03 AM |
| sk8ndive | $25.00 | $25.00 | 10/7/2009 11:44:02 AM |
| xzec777 | $25.00 | $25.00 | 10/7/2009 11:51:03 AM |
| Slowtype | $25.00 | $25.00 | 10/7/2009 10:46:09 AM |
| digen | $25.00 | $25.00 | 10/7/2009 1:52:04 PM |
| kubien | $25.00 | $25.00 | 10/7/2009 11:26:27 AM |
| nofreelunch | $25.00 | $25.00 | 10/7/2009 11:26:35 AM |
| Papa_Mema | $50.00 | $50.00 | 10/7/2009 11:27:09 AM |
| LAM26 | $25.00 | $25.00 | 10/7/2009 11:43:55 AM |
| ouyangers | $25.00 | $25.00 | 10/7/2009 11:51:26 AM |
| CrazzyKar | $25.00 | $25.00 | 10/7/2009 2:36:10 PM |
| econman1 | $25.00 | $25.00 | 10/7/2009 11:20:01 AM |
| shopzone | $50.00 | $50.00 | 10/7/2009 11:26:48 AM |
| loanstarst8 | $25.00 | $25.00 | 10/7/2009 12:26:00 PM |
| natecam | $25.00 | $25.00 | 10/7/2009 11:44:04 AM |
| schnatty | $25.00 | $25.00 | 10/7/2009 11:51:20 AM |
| mjjjrj | $25.00 | $25.00 | 10/7/2009 11:51:31 AM |
| Marfloogan | $25.00 | $25.00 | 10/7/2009 4:11:34 PM |
| Ramses271 | $25.00 | $25.00 | 10/7/2009 2:11:16 PM |
| capital-albatross | $25.00 | $25.00 | 10/7/2009 3:22:21 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/7/2009 5:17:15 PM |
| BR2006007 | $25.00 | $25.00 | 10/7/2009 6:06:04 PM |
| red-favorable-basis | $25.00 | $25.00 | 10/8/2009 5:31:03 AM |
| MementoMori12 | $25.00 | $25.00 | 10/7/2009 6:06:05 PM |
| gold-blanket | $35.39 | $35.39 | 10/8/2009 7:51:01 AM |
| oskizzle | $25.00 | $25.00 | 10/8/2009 8:31:00 AM |
| jaynlana | $25.00 | $25.00 | 10/8/2009 1:11:22 AM |
| Central_States_Mutual | $25.00 | $25.00 | 10/8/2009 11:16:02 AM |
| Guerrilla_Man | $25.00 | $25.00 | 10/8/2009 1:16:08 PM |
| brmar | $25.00 | $25.00 | 10/8/2009 9:36:19 AM |
| Georgetastic | $25.00 | $25.00 | 10/8/2009 12:19:51 PM |
| Corduroy | $25.00 | $25.00 | 10/8/2009 2:46:40 PM |
| MikeB918 | $25.00 | $25.00 | 10/8/2009 2:46:42 PM |
| GElender | $25.00 | $25.00 | 10/8/2009 2:46:50 PM |
| simplewareinc | $50.00 | $50.00 | 10/8/2009 2:47:08 PM |
| Learning2Lend | $33.01 | $33.01 | 10/8/2009 11:31:00 AM |
| MediaAndMicrocode | $25.00 | $25.00 | 10/8/2009 1:36:03 PM |
| remey | $25.00 | $25.00 | 10/8/2009 3:16:17 PM |
| iinsuru | $25.00 | $25.00 | 10/8/2009 12:41:00 PM |
| orange-astute-finance | $25.00 | $25.00 | 10/8/2009 2:46:43 PM |
| Texas2020 | $25.00 | $25.00 | 10/8/2009 2:46:44 PM |
| crenen139 | $25.00 | $25.00 | 10/8/2009 2:46:50 PM |
| dbluesea | $25.00 | $25.00 | 10/8/2009 2:46:57 PM |
| lending-bear | $25.00 | $25.00 | 10/8/2009 2:47:09 PM |
| BGILlender | $25.00 | $25.00 | 10/8/2009 2:36:02 PM |
| b2m80s | $25.00 | $25.00 | 10/8/2009 2:46:46 PM |
| teejay411 | $100.00 | $100.00 | 10/8/2009 2:47:10 PM |
| Simonsez808 | $25.00 | $25.00 | 10/8/2009 2:47:13 PM |
| b-rent | $25.00 | $25.00 | 10/8/2009 2:47:47 PM |
| jcfunder | $25.00 | $25.00 | 10/8/2009 3:52:57 PM |
| Boxhead | $25.00 | $25.00 | 10/8/2009 5:16:24 PM |
| Sonihal | $25.00 | $25.00 | 10/8/2009 6:41:28 PM |
| markwms | $25.00 | $25.00 | 10/8/2009 5:16:12 PM |
| NewTouchAssociateLLC | $25.00 | $25.00 | 10/8/2009 6:21:07 PM |
| Hondo | $25.00 | $25.00 | 10/8/2009 7:46:26 PM |
| jfd287 | $25.00 | $25.00 | 10/9/2009 5:14:40 AM |
| payout-magician | $50.00 | $50.00 | 10/8/2009 9:46:19 PM |
| Ananya | $25.00 | $25.00 | 10/9/2009 7:04:28 AM |
| hans6883 | $25.00 | $25.00 | 10/9/2009 11:33:54 AM |
| peb44 | $25.00 | $25.00 | 10/9/2009 7:28:44 AM |
| cospilot | $25.00 | $25.00 | 10/9/2009 12:04:07 PM |
| Hokiemon | $25.00 | $25.00 | 10/9/2009 11:08:58 AM |
| cannon559 | $25.00 | $25.00 | 10/9/2009 1:06:23 PM |
| ash135 | $25.00 | $25.00 | 10/9/2009 3:28:41 PM |
| mizunoman | $25.00 | $25.00 | 10/9/2009 11:58:45 AM |
| money-shaker | $25.00 | $25.00 | 10/9/2009 1:19:20 PM |
| ErikB | $25.00 | $25.00 | 10/9/2009 5:40:02 PM |
| skydiver111 | $25.00 | $25.00 | 10/10/2009 9:28:52 AM |
| payout-comet | $25.00 | $25.00 | 10/9/2009 6:33:55 PM |
| uncleegg | $25.00 | $25.00 | 10/10/2009 5:14:13 AM |
| wwwUniversal | $25.00 | $25.00 | 10/10/2009 7:33:52 AM |
| msullivaniii | $25.00 | $25.00 | 10/10/2009 9:14:54 AM |
| GuyVelo | $25.00 | $25.00 | 10/10/2009 9:28:50 AM |
| javajahn | $25.00 | $25.00 | 10/10/2009 9:35:53 AM |
| bluecat2 | $25.00 | $25.00 | 10/10/2009 1:23:41 PM |
| bigbryan98 | $25.00 | $25.00 | 10/10/2009 12:23:50 PM |
| 2ravens | $25.00 | $25.00 | 10/10/2009 7:08:42 AM |
| catomaior | $25.00 | $25.00 | 10/10/2009 11:08:42 AM |
| Jaoe | $67.58 | $67.58 | 10/10/2009 3:07:31 PM |
| Jeff89 | $25.00 | $25.00 | 10/10/2009 10:18:42 PM |
| YeoLenderSource | $25.00 | $25.00 | 10/11/2009 4:43:42 PM |
| mdf | $50.00 | $50.00 | 10/11/2009 7:38:51 PM |
| TheCount | $25.00 | $25.00 | 10/12/2009 6:28:42 AM |
| DadOfSeven | $25.00 | $25.00 | 10/12/2009 10:59:40 AM |
| VBAces | $25.00 | $25.00 | 10/12/2009 2:44:59 PM |
| Wangersinc | $25.00 | $25.00 | 10/12/2009 1:44:31 PM |
| beezling | $52.00 | $52.00 | 10/12/2009 3:09:19 PM |
| aFro | $25.00 | $25.00 | 10/12/2009 3:23:40 PM |
| buffalobills | $25.00 | $25.00 | 10/12/2009 4:23:50 PM |
| Victor-E-Lane | $25.00 | $25.00 | 10/12/2009 5:58:42 PM |
| jhouman | $25.00 | $25.00 | 10/12/2009 4:40:22 PM |
| balance-force | $25.00 | $25.00 | 10/12/2009 9:38:13 PM |
| shiny-dollar9 | $25.00 | $25.00 | 10/13/2009 6:13:08 AM |
| JTHarris | $50.00 | $50.00 | 10/13/2009 9:42:36 AM |
| mercuriant | $25.00 | $25.00 | 10/13/2009 10:54:36 AM |
| Easystreet | $25.00 | $25.00 | 10/13/2009 5:38:58 PM |
| Nethead | $25.00 | $25.00 | 10/13/2009 6:10:10 PM |
| investment-visionary | $25.00 | $25.00 | 10/14/2009 1:26:35 PM |
| Starman57 | $150.00 | $150.00 | 10/14/2009 1:36:08 PM |
| engbusres | $100.00 | $100.00 | 10/14/2009 8:31:44 PM |
| brilliant-balance | $25.00 | $25.00 | 10/14/2009 6:58:12 PM |
| affluence-cargo | $50.00 | $50.00 | 10/14/2009 7:10:28 PM |
| jybank | $25.00 | $25.00 | 10/15/2009 10:03:07 AM |
| XayV03 | $100.00 | $100.00 | 10/15/2009 11:22:15 AM |
| kindness-jedi | $25.00 | $25.00 | 10/15/2009 1:25:21 PM |
| ritwik | $50.00 | $50.00 | 10/15/2009 4:29:31 PM |
| fantastic-cash | $25.00 | $25.00 | 10/15/2009 4:52:53 PM |
| intelligent-yield | $25.00 | $25.00 | 10/15/2009 5:39:08 PM |
| wwwUniversal | $25.00 | $25.00 | 10/15/2009 6:39:25 PM |
| m9029 | $25.00 | $25.00 | 10/15/2009 8:00:43 PM |
| finagler | $25.00 | $25.00 | 10/15/2009 6:58:49 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/15/2009 7:51:25 PM |
| building_community | $100.00 | $100.00 | 10/16/2009 5:32:36 AM |
| DMKAssetManagement | $100.00 | $100.00 | 10/16/2009 9:14:51 AM |
| zone6 | $100.00 | $100.00 | 10/16/2009 10:08:38 AM |
| upbeat-wealth | $25.00 | $25.00 | 10/16/2009 12:25:29 PM |
| the-silver-blaster | $40.00 | $40.00 | 10/16/2009 10:31:48 AM |
| skydiver111 | $25.00 | $25.00 | 10/16/2009 11:54:20 AM |
| libraryfrenzy | $25.00 | $25.00 | 10/16/2009 1:42:41 PM |
| InAFoodComa | $206.72 | $206.72 | 10/16/2009 3:29:49 PM |
| Gobsek | $25.00 | $25.00 | 10/16/2009 1:34:11 PM |
| Medic05 | $50.00 | $50.00 | 10/16/2009 3:40:40 PM |
| 448 bids
|
Borrower Payment Dependent Notes Series
426687
This series of Notes was issued and sold upon the funding of the borrower loan #39010, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,578.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-16-2009 |
|
|
Starting lender yield:
| 13.99% |
Starting borrower rate/APR:
| 14.99% / 17.16% |
Starting monthly payment:
| $89.35 |
|
Final lender yield:
| 8.70% |
Final borrower rate/APR:
| 9.70% / 11.80% |
Final monthly payment:
| $82.82 |
| |
|
Auction yield range:
| 4.27% - 13.99% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.58% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 740-760 (Oct-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 2y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,601 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 20% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| XayV03 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Re-Invest in Prosper
I Plan to re-invest in Prosper loans. (I'm looking for at least a 10% interest rate on this loan)
My financial situation:
Income
$1,900 :Net Monthly Income
$ 125 : NYSE Investment Profits (Avg.)
Expense:
$ 755 :Rent
$ 60 :Electricity
$ 100 :Comcast
$ 160 :T-Mobile
$ 106 :Auto Insurance
$ 130 :Fuel
$ 80 :Vehicle Maintenance (Savings)
$ 250 :Food, Grocery & Other (My wife buys food too)
$ 100 : Investment Portfolio (Savings)
$ 48 : Trade Commotions (Budget, rarely uses all $48)
$ 20 : Donations to American Cancer Society
______________________
$2,025 : Total Income
$1,812 : Expenses
$ 213 : Left goes to savings, pay off debt, cover any losses, and any emergencies
PS: Revolving Credit Balance showing $2600 is Notebook Computer I just bought using a credit card that witch I am paying in full on the date it is due, Oct.19th in witch I already have the savings for. I never spend more that I have. My real Revolving credit is more like $4or500.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Why are you asking for such a specific amount, and could you elaborate on the 5 open credit lines you currently have? Thanks. - Wildcat23
A:
I want to invest $2,500 in prosper loan. The specifics of the amount I?ve requested are to cover the $78 fee associated with the loan. My 5 open credit lines. I have 3 credit cards with Bank of America, 1 credit card with Capital One, and 1 Credit Card with WaMu, now Chase. I only regularly use 2 out of those 5 credit cards. One for Bills & monthly Expenses, the other for daily use, food, fuel...
(Oct-06-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Russh | $25.00 | $25.00 | 10/2/2009 5:45:01 PM |
| ujiba | $25.00 | $25.00 | 10/2/2009 10:29:52 PM |
| Syzygy | $25.00 | $25.00 | 10/3/2009 7:17:29 AM |
| loanman2007 | $50.00 | $50.00 | 10/4/2009 8:05:59 AM |
| market-assembler | $50.00 | $50.00 | 10/5/2009 2:05:47 AM |
| buckyhead2000 | $25.00 | $25.00 | 10/5/2009 1:46:42 PM |
| RandyL3 | $75.00 | $75.00 | 10/6/2009 5:12:36 PM |
| Jcardone33 | $25.00 | $25.00 | 10/7/2009 9:40:34 AM |
| Wildcat23 | $50.00 | $50.00 | 10/7/2009 11:52:20 AM |
| AsianDragon | $25.00 | $25.00 | 10/7/2009 8:35:24 PM |
| vtr1000 | $25.00 | $25.00 | 10/8/2009 5:21:02 PM |
| outofoffice | $50.00 | $50.00 | 10/8/2009 7:45:56 PM |
| excellent-greenback | $50.00 | $50.00 | 10/9/2009 2:29:01 PM |
| LenderCB | $50.00 | $50.00 | 10/10/2009 11:05:06 PM |
| rce1964 | $25.00 | $25.00 | 10/12/2009 5:38:56 PM |
| vegibenz | $25.00 | $25.00 | 10/12/2009 5:09:17 PM |
| Nash2065 | $25.00 | $25.00 | 10/12/2009 8:11:24 PM |
| Prezotus | $50.00 | $50.00 | 10/12/2009 9:34:25 PM |
| FundMaker | $25.00 | $25.00 | 10/13/2009 6:00:54 PM |
| JerryB96 | $25.00 | $25.00 | 10/13/2009 7:57:17 PM |
| JDLanier | $25.00 | $25.00 | 10/14/2009 11:05:25 AM |
| dood2112 | $25.00 | $25.00 | 10/14/2009 6:04:27 PM |
| trustburton | $149.26 | $149.26 | 10/15/2009 1:40:47 PM |
| mclean_loaner | $50.00 | $50.00 | 10/15/2009 5:10:49 PM |
| dproxima | $25.00 | $25.00 | 10/15/2009 6:39:29 PM |
| gizmo65 | $28.39 | $28.39 | 10/15/2009 7:22:38 PM |
| jybank | $50.00 | $50.00 | 10/15/2009 11:01:12 PM |
| niq4soccer | $25.00 | $25.00 | 10/16/2009 7:29:37 AM |
| Lender0307 | $25.00 | $25.00 | 10/16/2009 9:24:31 AM |
| icon7 | $50.00 | $50.00 | 10/16/2009 2:35:28 PM |
| poolboy17 | $25.00 | $25.00 | 10/16/2009 2:38:41 PM |
| ISLA-VISTA | $25.00 | $25.00 | 10/16/2009 3:55:28 PM |
| bornsucka | $25.00 | $25.00 | 10/16/2009 2:41:23 PM |
| Floridagirl | $50.00 | $50.00 | 10/16/2009 3:18:29 PM |
| diverse-transparency | $25.00 | $25.00 | 10/16/2009 3:51:51 PM |
| Mikale360 | $25.00 | $25.00 | 10/16/2009 4:05:06 PM |
| brightest-economy-tsunami | $50.00 | $50.00 | 10/16/2009 4:07:47 PM |
| zento | $25.00 | $25.00 | 10/2/2009 4:24:21 PM |
| bid-wonder | $25.00 | $25.00 | 10/2/2009 4:33:42 PM |
| junes08 | $50.00 | $50.00 | 10/2/2009 10:24:43 PM |
| marwadi-62 | $100.00 | $100.00 | 10/3/2009 11:16:31 AM |
| jlr1516 | $25.00 | $25.00 | 10/4/2009 12:08:26 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 10/4/2009 11:25:38 AM |
| lizphan1 | $25.00 | $25.00 | 10/5/2009 10:38:05 PM |
| hellasow | $25.00 | $25.00 | 10/6/2009 11:49:51 AM |
| HealthAndSafety | $50.00 | $50.00 | 10/6/2009 4:18:19 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/6/2009 6:52:18 PM |
| ChristopherHS | $25.00 | $25.00 | 10/7/2009 8:58:25 PM |
| qkinger | $50.00 | $50.00 | 10/9/2009 10:54:40 AM |
| JCPlending | $25.00 | $25.00 | 10/10/2009 4:38:55 PM |
| momoney2lend | $25.00 | $25.00 | 10/11/2009 4:43:44 PM |
| dma1206 | $25.00 | $25.00 | 10/12/2009 9:49:00 AM |
| dudebrah | $25.00 | $25.00 | 10/12/2009 12:33:02 PM |
| OregonDane | $25.00 | $25.00 | 10/13/2009 9:19:18 PM |
| lepolgr | $50.00 | $50.00 | 10/14/2009 6:54:49 PM |
| datongmama | $25.00 | $25.00 | 10/15/2009 8:27:23 AM |
| kf88 | $30.00 | $30.00 | 10/15/2009 3:32:18 PM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/16/2009 5:52:58 AM |
| kushbomb | $158.96 | $158.96 | 10/16/2009 1:47:47 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/16/2009 3:50:00 PM |
| elitedarkness | $30.88 | $30.88 | 10/16/2009 1:59:25 PM |
| SeaLoans | $25.00 | $25.00 | 10/16/2009 2:47:48 PM |
| elitedarkness | $75.00 | $75.00 | 10/16/2009 3:38:52 PM |
| BzJ108 | $25.00 | $25.00 | 10/16/2009 3:15:50 PM |
| BipedalHominid | $25.00 | $25.00 | 10/16/2009 3:48:58 PM |
| the-repayment-treaty | $60.00 | $60.00 | 10/16/2009 3:43:10 PM |
| forthright-trade | $25.00 | $20.51 | 10/16/2009 3:56:57 PM |
| forthright-trade | $25.00 | $25.00 | 10/16/2009 4:10:38 PM |
| 68 bids
|
Borrower Payment Dependent Notes Series
426777
This series of Notes was issued and sold upon the funding of the borrower loan #39014, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 19.03% |
Starting borrower rate/APR:
| 20.03% / 23.81% |
Starting monthly payment:
| $37.18 |
|
Final lender yield:
| 11.85% |
Final borrower rate/APR:
| 12.85% / 16.47% |
Final monthly payment:
| $33.62 |
| |
|
Auction yield range:
| 8.27% - 19.03% |
Estimated loss impact:
| 6.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.09% | | |
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-2003 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 660-680 (Oct-2009) |
Current / open credit lines:
| 6
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,157 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 83% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| tracyjo |
Borrower's state:
| Missouri |
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
reinvesting in Prosper
Purpose of loan:
This loan will be used to?reinvest into Prosper & to build my credit reputation in the Prosper community.
My financial situation:
I am a good candidate for this loan because?I never miss any payments and have very good job security.
Monthly net income: $ 3033 + $500 rental income
Monthly expenses: $
??Housing: $ 830 (includes rental mortgage)
??Insurance: $55
??Car expenses: $100
??Utilities: $80
??Phone, cable, internet: $45
??Food, entertainment: $400
??Clothing, household expenses $20
??Credit cards and other loans: $340
??Other expenses: $50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Would you disclose the interest rate of your credit card debt(s)? - jybank
A:
I have one with a $0 balance that recently jumped up from 12% to 20% for some unknown reason. The other is currently at a 1 year intro rate of 0% that will be due to go up to 9% in May or June. That balance is $2800.
(Oct-07-2009)
Q:
Please explain the monthly charges associated with owning your house.
Do you own it alone? Do you still have a mortgage? - sharp-credit
A:
I own it with my fiance. We split the house mortgage & all other expenses evenly, except for the rental's mortgage. I pay all of that since it is only owned by me.
(Oct-15-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| junes08 | $50.00 | $50.00 | 10/9/2009 3:51:40 AM |
| vtr1000 | $25.01 | $25.01 | 10/13/2009 8:43:54 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/15/2009 12:11:45 PM |
| ldr2000 | $45.46 | $45.46 | 10/16/2009 6:02:47 PM |
| ralf206 | $26.10 | $26.10 | 10/17/2009 12:49:43 AM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/17/2009 1:56:39 PM |
| gjm6d | $56.93 | $56.93 | 10/17/2009 4:46:45 PM |
| namronmi2 | $25.00 | $25.00 | 10/17/2009 11:26:47 PM |
| Leshan | $50.00 | $50.00 | 10/19/2009 8:25:30 AM |
| Snoopylover | $25.00 | $25.00 | 10/19/2009 9:33:56 AM |
| bankar | $25.00 | $25.00 | 10/19/2009 11:29:22 AM |
| pennyonebank | $25.00 | $25.00 | 10/19/2009 12:05:50 PM |
| farchoir | $25.00 | $25.00 | 10/19/2009 2:50:28 PM |
| nimcha | $50.00 | $50.00 | 10/19/2009 3:15:22 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/19/2009 4:01:08 PM |
| bid-wonder | $25.00 | $25.00 | 10/9/2009 9:21:34 AM |
| credit-coach118 | $25.00 | $25.00 | 10/12/2009 4:30:40 PM |
| SanJoser | $100.00 | $100.00 | 10/15/2009 8:52:54 AM |
| fantastic-cash | $25.00 | $25.00 | 10/15/2009 4:53:58 PM |
| himanshuko | $50.00 | $50.00 | 10/16/2009 12:14:48 PM |
| Prezotus | $25.00 | $25.00 | 10/16/2009 8:48:08 PM |
| shark1234 | $25.00 | $25.00 | 10/17/2009 9:08:46 AM |
| building_community | $25.00 | $25.00 | 10/17/2009 8:35:46 PM |
| nashibaksi | $25.00 | $25.00 | 10/18/2009 6:08:49 PM |
| PotBellyPete | $25.00 | $21.50 | 10/19/2009 11:24:28 AM |
| generous-deal6 | $25.00 | $25.00 | 10/19/2009 12:25:41 PM |
| ohmarkybaby | $25.00 | $25.00 | 10/19/2009 1:41:58 PM |
| jybank | $25.00 | $25.00 | 10/19/2009 2:55:13 PM |
| kinetic-social | $25.00 | $25.00 | 10/19/2009 4:00:38 PM |
| careful-wealth | $25.00 | $25.00 | 10/19/2009 3:13:10 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/19/2009 3:44:57 PM |
| 31 bids
|
Borrower Payment Dependent Notes Series
426791
This series of Notes was issued and sold upon the funding of the borrower loan #39028, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 20.05% |
Starting borrower rate/APR:
| 21.05% / 24.86% |
Starting monthly payment:
| $37.70 |
|
Final lender yield:
| 15.50% |
Final borrower rate/APR:
| 16.50% / 20.20% |
Final monthly payment:
| $35.40 |
| |
|
Auction yield range:
| 8.27% - 20.05% |
Estimated loss impact:
| 6.85% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 58% |
|
Credit score:
| 680-700 (Oct-2009) |
Current / open credit lines:
| 33
/
26 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 70 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $37,760 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 61% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| WisconsinTrust |
Borrower's state:
| Wisconsin |
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
1st Loan, Combining Credit Cards
This is my first Prosper Loan. For my first attempt, I am combining some small credit cards to get one payment and pay off faster. If I am going to pay interest, I would like it to benefit other investors. Thank you!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
With almost 38000 in revolving debt what, specifically, will this loan go to pay off? Amounts and interest rates?
Thank you and good luck - Hawkeyebank
A:
We have 4 small credit cards with high interest as noted below.
Firestone $161@$22%
Kohls $300@ 21%
Best Buy $250@ 19.9%
Paypal $200@ 22.9%
Reference: In 2006 we had a contractor take a large sum of money from us with out completing the work. The resulting debt is on 3 credit cards. We worked out lower interest plans on each. We have never missed a payment despite the extra debt. Thanks for asking!
(Oct-17-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Sol_Invictus | $25.00 | $25.00 | 10/12/2009 5:58:01 AM |
| OPEO | $25.00 | $25.00 | 10/15/2009 11:29:17 AM |
| kinetic-social | $25.00 | $25.00 | 10/16/2009 4:15:21 PM |
| Unitas4302 | $50.00 | $50.00 | 10/16/2009 10:36:43 PM |
| econgineer | $62.69 | $62.69 | 10/17/2009 11:34:25 AM |
| building_community | $50.00 | $50.00 | 10/17/2009 8:34:39 PM |
| JTHarris | $50.00 | $50.00 | 10/19/2009 9:54:17 AM |
| MrLeft | $75.00 | $75.00 | 10/19/2009 8:41:35 AM |
| Astyanax | $25.00 | $25.00 | 10/19/2009 9:19:59 AM |
| rockhound84 | $25.00 | $25.00 | 10/19/2009 1:11:52 PM |
| ValleyBHC | $25.00 | $25.00 | 10/19/2009 2:35:34 PM |
| zone6 | $100.00 | $100.00 | 10/19/2009 2:16:19 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/19/2009 3:23:57 PM |
| engbusres | $100.00 | $100.00 | 10/19/2009 4:11:43 PM |
| investment-visionary | $25.00 | $25.00 | 10/14/2009 1:48:36 PM |
| mojii77 | $26.00 | $26.00 | 10/15/2009 4:09:28 PM |
| bitano | $50.00 | $36.31 | 10/19/2009 7:45:59 AM |
| Leshan | $50.00 | $50.00 | 10/19/2009 8:26:32 AM |
| Astyanax | $25.00 | $25.00 | 10/19/2009 9:20:10 AM |
| top-tranquil-justice | $25.00 | $25.00 | 10/19/2009 1:46:43 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/19/2009 3:45:38 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/19/2009 3:24:44 PM |
| payout-comet | $25.00 | $25.00 | 10/19/2009 4:13:29 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/19/2009 4:01:36 PM |
| generous-deal6 | $25.00 | $25.00 | 10/19/2009 4:09:10 PM |
| jybank | $25.00 | $25.00 | 10/19/2009 4:10:19 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
426825
This series of Notes was issued and sold upon the funding of the borrower loan #39013, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,300.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 20.82% |
Starting borrower rate/APR:
| 21.82% / 24.74% |
Starting monthly payment:
| $49.53 |
|
Final lender yield:
| 16.80% |
Final borrower rate/APR:
| 17.80% / 20.65% |
Final monthly payment:
| $46.87 |
| |
|
Auction yield range:
| 8.27% - 20.82% |
Estimated loss impact:
| 6.88% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 6 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,957 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 36% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| safe-finance |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding
Purpose of loan:
This loan will be used to?
To help with rest of the wedding
My financial situation:
I am a good candidate for this loan because?
I'm starting a family and I have two jobs to pay back this loan
Monthly net income: $
3200
Monthly expenses: $
??Housing: $
625
??Insurance: $
111
??Car expenses: $
230
??Utilities: $ 50
??Phone, cable, internet: $ 75
??Food, entertainment: $
100
??Clothing, household expenses $
100
??Credit cards and other loans: $
200
??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:
Are you able to get any family and friends to put in $100 or $200? This encourages more bidding which can lower your rate a lot. There's an unaffiliated forum, prosper with an S dot org that you might want to check out too. - 99Burning_Coder
A:
I'm trying but this is very new to them so alot of them are very undecided. I'm still trying to convince them though. It seems like I'm the first one to talk to them about peer to peer lending.
(Oct-14-2009)
Q:
Will you set Prosper up to automatically take the monthly payment from your bank account? - 99Burning_Coder
A:
yes
(Oct-14-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| junes08 | $50.00 | $50.00 | 10/8/2009 9:34:38 AM |
| JTHarris | $50.00 | $50.00 | 10/13/2009 9:47:25 AM |
| resolute-liberty | $25.00 | $25.00 | 10/15/2009 3:52:12 PM |
| brilliant-balance | $25.00 | $25.00 | 10/15/2009 7:11:24 PM |
| LarryNY | $25.00 | $25.00 | 10/16/2009 9:06:54 AM |
| ronin4sale | $25.00 | $25.00 | 10/16/2009 11:37:24 AM |
| lscott | $75.00 | $75.00 | 10/18/2009 11:18:19 AM |
| reflective-rupee | $25.00 | $25.00 | 10/19/2009 7:51:20 AM |
| Mindful7 | $25.00 | $25.00 | 10/19/2009 11:31:20 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/19/2009 12:56:21 PM |
| investment-cluster | $25.00 | $25.00 | 10/19/2009 2:51:06 PM |
| bullwink27 | $25.00 | $25.00 | 10/19/2009 2:46:01 PM |
| reflective-rupee | $50.00 | $50.00 | 10/19/2009 4:11:50 PM |
| payout-comet | $25.00 | $25.00 | 10/19/2009 4:13:56 PM |
| marwadi-62 | $25.00 | $25.00 | 10/8/2009 5:47:02 PM |
| Syzygy | $25.00 | $25.00 | 10/8/2009 6:16:23 PM |
| outofoffice | $50.00 | $50.00 | 10/8/2009 7:49:08 PM |
| the_prince | $100.00 | $100.00 | 10/10/2009 9:57:40 AM |
| Chrishu | $25.00 | $25.00 | 10/12/2009 12:55:58 PM |
| dudebrah | $25.00 | $25.00 | 10/12/2009 1:10:40 PM |
| investment-visionary | $25.00 | $25.00 | 10/14/2009 1:55:05 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/15/2009 4:25:35 PM |
| building_community | $50.00 | $50.00 | 10/17/2009 8:34:11 PM |
| medman | $50.00 | $50.00 | 10/18/2009 6:56:47 AM |
| djp127 | $27.00 | $27.00 | 10/18/2009 7:51:03 AM |
| engbusres | $50.00 | $50.00 | 10/18/2009 5:38:34 PM |
| Eaglehigh | $25.00 | $25.00 | 10/18/2009 3:05:07 PM |
| donenzo | $25.00 | $25.00 | 10/19/2009 4:45:16 AM |
| Leshan | $50.00 | $50.00 | 10/19/2009 8:31:36 AM |
| reflective-rupee | $25.00 | $25.00 | 10/19/2009 12:27:05 PM |
| PotBellyPete | $25.00 | $25.00 | 10/19/2009 11:27:32 AM |
| HomerdohNY | $25.00 | $25.00 | 10/19/2009 11:31:37 AM |
| scientists | $25.00 | $25.00 | 10/19/2009 11:47:55 AM |
| OGS_Capital | $25.00 | $25.00 | 10/19/2009 12:37:24 PM |
| jybank | $25.00 | $25.00 | 10/19/2009 2:56:01 PM |
| ohmarkybaby | $25.00 | $25.00 | 10/19/2009 1:46:10 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/19/2009 3:49:18 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/19/2009 4:03:03 PM |
| best-generosity-financier | $25.00 | $23.00 | 10/19/2009 4:03:36 PM |
| 39 bids
|
Borrower Payment Dependent Notes Series
426933
This series of Notes was issued and sold upon the funding of the borrower loan #39030, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.99% |
Starting monthly payment:
| $61.54 |
|
Final lender yield:
| 26.38% |
Final borrower rate/APR:
| 27.38% / 29.99% |
Final monthly payment:
| $61.54 |
| |
|
Auction yield range:
| 11.27% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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:
| Mar-1994 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 3
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $400 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 8% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 14 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| pound-tornado |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Winter heating fuel/pay off debt
Purpose of loan:
This loan will be used to? help pay for fuel for winter heating and pay off a small debt amount.? I have had some unexpected bills come up that have drained my savings for this expense and had to take a payday loan to pay for coal (we have an outdoor furnace for home and hot water heating).?? I am hoping this loan is funded quickly, before the payday loan comes due.
I see prosper has me as D, but this is a re-list of a loan request.? The first time this was listed my rating was B.? I don't know why my rating has gone down, other than the fact that I have re-listed this loan.
My financial situation:
I am a good candidate for this loan because? I have a steady job and I'm trying to rebuild my credit.??I made some mistakes about 5-7 years ago regarding my finances (hence the late payments on my report), and have learned a lot from that.? Since then I have kept spending under control and paid all bills on time.
My husband's income is not listed in my income (my annual salary as shown by prosper), as I will be using my income alone to?pay off this debt.? I also do small bookkeeping side jobs (the income is also not listed) so I will most likely pay this debt off early.? I have only listed the income from my 9-5 job, so as not to over-extend myself.? Any extra money I make is just that, so that it can be used to pay down this loan and for savings.
I will have the payment auto drafted from my checking account, so that the lender has the comfort of knowing that the payment will be made.
Please do not hesitate to contact me if you have any questions, or if I can put your mind at ease about lending to me.? I promise that this loan will be paid, I don't know what I can do to assure you of that, but be assured that I will not default on this loan.
Monthly take home pay (total for my household):????$ 4,423.33
Monthly Expenses:
Mortgage, including property taxes &
??home insurance (in husband's name)????????????????$ 1,000.00
Gas/Groceries??????????????????????????????????????????????????????? 900.00
Auto Insurance?????????????????????????????????????????????????????? 200.00
Phone???????????????????????????????????????????????????????????????????? 24.00
Dish??????????????????????????????????????????????????????????????????????? 44.00
Electric??????????????????????????????????????????????????????????????????100.00
Childcare??????????????????????????????????????????????????????????????? 700.00
Auto payments (in husband's name)??????????????????????????750.00
Savings for fuel, misc exp??????????????????????????????????????? ?300.00?
??????????????????????????????Total monthly expenses????????$ 4,018.00
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) |
|
| IPG1 | $25.00 | $25.00 | 10/8/2009 10:22:07 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 10/10/2009 5:07:01 PM |
| odc24 | $100.00 | $100.00 | 10/13/2009 5:32:47 PM |
| mrxtravis | $26.37 | $26.37 | 10/15/2009 9:50:42 PM |
| reflective-rupee | $75.00 | $75.00 | 10/16/2009 3:12:57 PM |
| reflective-rupee | $100.00 | $100.00 | 10/16/2009 4:26:10 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/17/2009 1:16:51 PM |
| debtcollector | $50.00 | $50.00 | 10/18/2009 10:23:14 PM |
| reflective-rupee | $300.00 | $300.00 | 10/19/2009 9:43:38 AM |
| reflective-rupee | $25.00 | $25.00 | 10/19/2009 9:44:15 AM |
| mrxtravis | $50.00 | $50.00 | 10/19/2009 12:31:29 PM |
| Bill88 | $50.00 | $50.00 | 10/19/2009 4:05:37 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/19/2009 4:08:55 PM |
| reflective-rupee | $25.00 | $25.00 | 10/12/2009 8:34:39 PM |
| uvumf | $25.00 | $25.00 | 10/14/2009 11:18:41 AM |
| reflective-rupee | $100.00 | $100.00 | 10/16/2009 4:26:36 PM |
| Unitas4302 | $50.00 | $50.00 | 10/16/2009 10:43:10 PM |
| Chrishu | $25.00 | $25.00 | 10/17/2009 1:58:30 PM |
| mrxtravis | $50.00 | $50.00 | 10/18/2009 10:21:54 AM |
| Leshan | $50.00 | $50.00 | 10/19/2009 8:38:04 AM |
| reflective-rupee | $50.00 | $50.00 | 10/19/2009 9:43:59 AM |
| poetic-economy | $50.00 | $50.00 | 10/19/2009 1:33:12 PM |
| mrxtravis | $75.00 | $75.00 | 10/19/2009 3:53:13 PM |
| axelducheck | $25.00 | $25.00 | 10/19/2009 1:36:38 PM |
| ohmarkybaby | $25.00 | $25.00 | 10/19/2009 3:57:30 PM |
| just-trade0 | $25.00 | $25.00 | 10/19/2009 4:14:00 PM |
| reflective-rupee | $75.00 | $48.63 | 10/19/2009 4:14:21 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
426983
This series of Notes was issued and sold upon the funding of the borrower loan #39017, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.73% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 15.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 6 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 640-660 (Oct-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 12 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| brightest-economy-confidant |
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
Glasses and Dental Work
Purpose of loan:
This loan will be used to pay for dental work and glasses
My financial situation:is on a roll back up the credit score hill! My ailing mother lived with us for 13 years until she passed away in the fall of 2006. At that time we were struggling to keep our payments current and did so for another year until our attorney advised us to file bankruptcy due to our ages (late 50s, early 60s), our upside down mortgage, and the debt incurred caring for mom. I did not want to go this route, but we reluctantly had no other choice. The mortgage company would not work with us because we had never been 30 days late. I had even borrowed on our life insurance to try and stay afloat. When we filed bankruptcy our payments, of course, ceased, and that is when everything went to 30 and 60 days late. Taking care of my mother was important to me and we did whatever it took. We also have 2 special needs kids, one is doing well and is in college, the other is 10 and has Asperger's syndrome, ADHD, PDD, NOS, is Dyslexic and has fine motor issues along with Asthma and allergies.
I am a good candidate for this loan because we want to buy another home in a year or 2 and we are working hard to reestablish our credit. This loan will be an important part in helping us qualify for a new home loan with my husband's VA eligibility. Since the bankruptcy discharge (November, 2008) our credit scores have been steadily climbing, even to a point higher than before we filed. I am a hard working person (started when I was 16) and also make quilts to help make ends meet ( I have often supplemented our income in this way.) Although I have only been at my present job for just about a year, I was with my last employer nearly 23 years. I am in the same type of industry and took a job with a better company and more pay.
Please have faith in me! I won't let you down!
br />
Monthly net income: $ 5563
Monthly expenses: $
??Housing: $1175
??Insurance: $400
??Car expenses: $200
??Utilities: $225
??Phone, cable, internet: $55
??Food, entertainment: $800
??Clothing, household expenses $100
??Credit cards and other loans: $351
??Other expenses: $110
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
please list the 12 bills you are late on - jjsparks28
A:
We are current on everything now. These were all before our bankruptcy when our attorney advised us to stop paying everything, over 2 years ago. I had never been 30 days late on anything. Helping my mom out and having 2 special needs kids is expensive. These were all things discharged in the bankruptcy-credit cards, car loans, home mortgage. We reaffirmed on the cars. Our credit rating is better now than before the bk.
(Oct-13-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $100.00 | $100.00 | 10/5/2009 5:18:41 PM |
| Thought | $25.00 | $25.00 | 10/6/2009 3:47:07 PM |
| brother_tam | $50.00 | $50.00 | 10/7/2009 4:08:30 PM |
| MTMoney | $28.00 | $28.00 | 10/7/2009 8:53:22 PM |
| victor111 | $25.00 | $25.00 | 10/9/2009 6:06:36 AM |
| philha99 | $153.21 | $153.21 | 10/10/2009 12:57:54 PM |
| TheAlchemist | $50.00 | $50.00 | 10/10/2009 11:48:47 PM |
| keen-liberty9 | $50.00 | $50.00 | 10/13/2009 6:25:14 AM |
| new-gold-innovator | $25.00 | $25.00 | 10/13/2009 12:30:38 PM |
| planky | $50.00 | $50.00 | 10/15/2009 11:27:55 AM |
| mrxtravis | $25.00 | $25.00 | 10/15/2009 9:52:39 PM |
| 56bones | $25.00 | $25.00 | 10/16/2009 3:12:03 PM |
| Iza13 | $25.00 | $25.00 | 10/16/2009 4:00:56 PM |
| reflective-rupee | $75.00 | $75.00 | 10/16/2009 4:14:37 PM |
| Kqwik | $25.00 | $25.00 | 10/16/2009 4:45:35 PM |
| SocalLawGal | $25.00 | $25.00 | 10/17/2009 7:24:24 AM |
| well-mannered-income3 | $25.00 | $25.00 | 10/17/2009 1:22:40 PM |
| icon7 | $50.00 | $50.00 | 10/17/2009 7:05:52 PM |
| cash-daisy | $30.00 | $30.00 | 10/18/2009 9:14:48 AM |
| sympathetic-greenback5 | $25.00 | $25.00 | 10/18/2009 9:17:53 PM |
| shellstar | $25.00 | $25.00 | 10/18/2009 11:11:05 PM |
| Flshedman | $50.00 | $13.81 | 10/19/2009 7:22:39 AM |
| 1traveler | $25.00 | $25.00 | 10/5/2009 9:22:13 PM |
| periko | $50.00 | $50.00 | 10/6/2009 8:32:36 PM |
| fallentimbers | $25.00 | $25.00 | 10/8/2009 6:18:58 PM |
| lendhouse2008 | $51.31 | $51.31 | 10/9/2009 5:44:59 PM |
| reflective-rupee | $25.00 | $25.00 | 10/12/2009 8:40:17 PM |
| Steveo64 | $25.00 | $25.00 | 10/13/2009 10:29:01 AM |
| nickel-mad-scientist | $25.00 | $25.00 | 10/16/2009 7:25:49 AM |
| Chrishu | $25.00 | $25.00 | 10/16/2009 12:24:45 PM |
| Engineer44 | $32.44 | $32.44 | 10/16/2009 4:16:08 PM |
| aztocas | $25.00 | $25.00 | 10/16/2009 7:21:16 PM |
| profit-producer589 | $25.00 | $25.00 | 10/17/2009 9:28:51 AM |
| buyrite334 | $41.23 | $41.23 | 10/17/2009 1:23:03 PM |
| GollyD | $50.00 | $50.00 | 10/18/2009 8:55:58 AM |
| coloradocash | $50.00 | $50.00 | 10/18/2009 7:26:41 PM |
| Road_Dogg | $50.00 | $50.00 | 10/19/2009 7:20:00 AM |
| just-trade0 | $25.00 | $25.00 | 10/18/2009 9:36:21 PM |
| PayItForward09 | $25.00 | $25.00 | 10/19/2009 4:01:43 AM |
| 39 bids
|
Borrower Payment Dependent Notes Series
427095
This series of Notes was issued and sold upon the funding of the borrower loan #39021, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-06-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 26.47% |
Starting borrower rate/APR:
| 27.47% / 29.81% |
Starting monthly payment:
| $164.31 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $161.91 |
| |
|
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:
| Mar-2001 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 680-700 (Oct-2009) |
Current / open credit lines:
| 12
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,603 |
Occupation: | Teacher's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 71% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| top-balance-taco |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My wedding
Purpose of loan:
This loan will be used to?pay off my wedding.?
My financial situation:
I am a good candidate for this loan because...I am prompt at making payments.
Monthly net income: $? 1,400
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?0
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 400
??Other expenses: $ 80
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) |
|
| gracej | $25.00 | $25.00 | 10/6/2009 4:29:36 PM |
| InvestorPartners | $25.00 | $25.00 | 10/6/2009 4:29:44 PM |
| jonn834 | $25.00 | $25.00 | 10/6/2009 4:30:01 PM |
| CarDealer3070 | $30.00 | $30.00 | 10/6/2009 4:30:49 PM |
| SNH | $50.00 | $50.00 | 10/6/2009 4:31:02 PM |
| secobarbital | $25.00 | $25.00 | 10/6/2009 4:31:42 PM |
| Shepherd7 | $25.00 | $25.00 | 10/6/2009 4:32:06 PM |
| lagnisiruk | $25.00 | $25.00 | 10/6/2009 4:30:56 PM |
| Halos2002 | $25.00 | $25.00 | 10/6/2009 4:31:11 PM |
| GMPK_TLAS | $25.00 | $25.00 | 10/6/2009 4:31:49 PM |
| Mantis75 | $25.00 | $25.00 | 10/6/2009 4:31:59 PM |
| louisianalender | $100.00 | $100.00 | 10/6/2009 4:32:12 PM |
| birddogsb | $50.00 | $50.00 | 10/6/2009 4:30:06 PM |
| neighborly-bid | $25.00 | $25.00 | 10/6/2009 4:31:00 PM |
| leverage-trident | $25.00 | $25.00 | 10/6/2009 4:34:03 PM |
| spitzbergen | $25.00 | $25.00 | 10/6/2009 4:31:28 PM |
| seisen | $50.00 | $50.00 | 10/6/2009 4:31:33 PM |
| five-star-note | $25.00 | $25.00 | 10/6/2009 4:35:08 PM |
| capital-galaxy | $75.00 | $75.00 | 10/6/2009 4:37:22 PM |
| zone8 | $25.00 | $25.00 | 10/6/2009 4:36:55 PM |
| new-truth-chuckler | $25.00 | $25.00 | 10/6/2009 5:46:08 PM |
| Dreams4Cash | $25.00 | $25.00 | 10/7/2009 8:51:11 AM |
| Ramses271 | $25.00 | $25.00 | 10/7/2009 2:11:15 PM |
| capital-albatross | $25.00 | $25.00 | 10/7/2009 3:22:15 PM |
| vigman777 | $25.00 | $25.00 | 10/7/2009 3:56:26 PM |
| PatRichi | $25.00 | $25.00 | 10/7/2009 8:59:38 PM |
| Jonb6919 | $25.00 | $25.00 | 10/8/2009 5:06:05 AM |
| cerebral-integrity | $25.00 | $25.00 | 10/8/2009 7:22:10 AM |
| purdue98 | $25.00 | $25.00 | 10/8/2009 1:31:13 PM |
| fuzed | $25.00 | $25.00 | 10/8/2009 2:48:16 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 10/8/2009 2:50:13 PM |
| 87Marc | $25.00 | $25.00 | 10/8/2009 1:51:09 PM |
| lovely-return7 | $25.00 | $25.00 | 10/8/2009 2:48:17 PM |
| rosario1 | $25.00 | $25.00 | 10/8/2009 2:48:23 PM |
| lillian27 | $25.00 | $25.00 | 10/8/2009 2:48:35 PM |
| Sateesh | $100.00 | $100.00 | 10/8/2009 2:50:41 PM |
| justice-dna | $25.00 | $25.00 | 10/8/2009 2:48:28 PM |
| dcmotorcyclemayhem | $25.00 | $25.00 | 10/8/2009 2:48:35 PM |
| jcfunder | $25.00 | $25.00 | 10/8/2009 3:52:52 PM |
| unequaled-credit7 | $25.00 | $25.00 | 10/8/2009 5:01:41 PM |
| Hondo | $25.00 | $25.00 | 10/8/2009 7:46:23 PM |
| nhi | $50.00 | $50.00 | 10/8/2009 11:09:23 PM |
| noble-revenue | $25.00 | $25.00 | 10/9/2009 5:24:09 AM |
| SDNLR | $25.00 | $25.00 | 10/9/2009 4:08:19 PM |
| javajahn | $25.00 | $25.00 | 10/10/2009 9:35:52 AM |
| ChrisTJ | $25.00 | $25.00 | 10/11/2009 6:09:00 PM |
| jpreal | $25.00 | $25.00 | 10/11/2009 11:05:12 PM |
| kegs | $25.00 | $25.00 | 10/11/2009 12:45:24 PM |
| mdf | $50.00 | $50.00 | 10/11/2009 7:38:55 PM |
| joshstomper | $25.00 | $25.00 | 10/12/2009 2:09:10 PM |
| baconguy | $25.00 | $25.00 | 10/12/2009 1:38:46 PM |
| a-healthy-affluence | $50.00 | $50.00 | 10/12/2009 3:38:51 PM |
| blackballplayer | $25.00 | $25.00 | 10/12/2009 3:24:00 PM |
| jlr613 | $25.00 | $25.00 | 10/12/2009 2:24:15 PM |
| head | $25.00 | $25.00 | 10/12/2009 7:43:50 PM |
| JohnSynge | $50.00 | $50.00 | 10/13/2009 5:55:57 AM |
| dextro | $25.00 | $25.00 | 10/12/2009 10:24:00 PM |
| get30inc | $25.00 | $25.00 | 10/13/2009 12:04:21 AM |
| flwah | $25.00 | $25.00 | 10/13/2009 12:08:45 AM |
| nicklds | $25.00 | $25.00 | 10/13/2009 12:09:24 AM |
| jeromeyuan | $25.00 | $25.00 | 10/13/2009 12:59:15 AM |
| reflective-rupee | $25.00 | $25.00 | 10/14/2009 12:52:05 PM |
| icon7 | $25.00 | $25.00 | 10/15/2009 5:01:01 PM |
| rapid-power2 | $25.00 | $25.00 | 10/6/2009 4:29:46 PM |
| snoopey100 | $25.00 | $25.00 | 10/6/2009 4:30:52 PM |
| visionary-currency | $25.00 | $25.00 | 10/6/2009 4:31:06 PM |
| slcchad | $25.00 | $25.00 | 10/6/2009 4:31:53 PM |
| integrity-spilunker | $25.00 | $25.00 | 10/6/2009 4:32:55 PM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/6/2009 4:33:11 PM |
| honorable-yield | $25.00 | $25.00 | 10/6/2009 4:33:37 PM |
| personal-lender | $25.00 | $25.00 | 10/6/2009 4:31:22 PM |
| icon7 | $25.00 | $25.00 | 10/6/2009 4:31:36 PM |
| delivery | $25.00 | $25.00 | 10/6/2009 4:31:46 PM |
| heroic-benefit | $25.00 | $25.00 | 10/6/2009 4:32:16 PM |
| treasure-bliss | $50.00 | $50.00 | 10/6/2009 4:32:19 PM |
| deal-secret-agent | $25.00 | $25.00 | 10/6/2009 4:32:22 PM |
| thedreamer | $25.00 | $25.00 | 10/6/2009 4:30:43 PM |
| djh47a | $25.00 | $25.00 | 10/6/2009 4:35:05 PM |
| anton | $25.00 | $25.00 | 10/6/2009 4:32:02 PM |
| Phantom99 | $25.00 | $25.00 | 10/6/2009 4:32:26 PM |
| fcb202 | $25.00 | $25.00 | 10/6/2009 4:32:34 PM |
| wildguy | $25.00 | $25.00 | 10/6/2009 4:37:20 PM |
| tsquared_030 | $25.00 | $25.00 | 10/6/2009 4:33:46 PM |
| Savings_EQ_Dignity | $25.00 | $25.00 | 10/6/2009 4:34:32 PM |
| ijspence | $25.00 | $25.00 | 10/6/2009 4:44:30 PM |
| boghdan2000 | $25.00 | $25.00 | 10/6/2009 4:55:44 PM |
| Artist_Blue | $25.00 | $25.00 | 10/6/2009 4:38:33 PM |
| bazaar-tulip | $25.00 | $25.00 | 10/6/2009 8:22:00 PM |
| attractive-rate | $25.00 | $25.00 | 10/6/2009 4:56:46 PM |
| Havana21 | $100.00 | $100.00 | 10/6/2009 5:58:52 PM |
| fred1340 | $25.00 | $25.00 | 10/6/2009 8:26:17 PM |
| KiwiElf | $25.00 | $25.00 | 10/7/2009 10:20:46 AM |
| loanfairy | $25.00 | $25.00 | 10/7/2009 2:19:49 PM |
| CrazzyKar | $25.00 | $25.00 | 10/7/2009 2:36:09 PM |
| shiny-dollar9 | $25.00 | $25.00 | 10/7/2009 7:21:12 PM |
| Ragnar | $25.00 | $25.00 | 10/7/2009 11:06:18 PM |
| bronzmajom | $25.00 | $25.00 | 10/8/2009 1:16:21 AM |
| brightest-shrewd-vigilance | $25.00 | $25.00 | 10/8/2009 9:32:41 AM |
| able2help | $25.00 | $25.00 | 10/8/2009 6:26:27 AM |
| rustysailor | $30.00 | $30.00 | 10/8/2009 10:01:02 AM |
| andrewgl | $25.00 | $25.00 | 10/8/2009 10:48:13 AM |
| lcole32 | $35.00 | $35.00 | 10/8/2009 11:06:08 AM |
| inventive-exchange | $25.00 | $25.00 | 10/8/2009 2:48:18 PM |
| capital-musician9 | $25.00 | $25.00 | 10/8/2009 2:48:22 PM |
| Raven39 | $25.00 | $25.00 | 10/8/2009 2:48:36 PM |
| richrobe | $25.00 | $25.00 | 10/8/2009 2:50:20 PM |
| Payasoup | $50.00 | $50.00 | 10/8/2009 12:32:56 PM |
| MARWARISETH | $25.00 | $25.00 | 10/8/2009 2:48:06 PM |
| IIP77 | $25.00 | $25.00 | 10/8/2009 2:48:33 PM |
| coolspeed | $25.00 | $25.00 | 10/8/2009 2:50:19 PM |
| churbanboy | $25.00 | $25.00 | 10/8/2009 3:14:32 PM |
| riversmoke | $25.00 | $25.00 | 10/8/2009 2:48:18 PM |
| RadCad1 | $25.00 | $25.00 | 10/8/2009 2:50:20 PM |
| remey | $25.00 | $25.00 | 10/8/2009 3:16:14 PM |
| Rogelio48 | $25.00 | $25.00 | 10/8/2009 6:21:23 PM |
| payout-magician | $50.00 | $50.00 | 10/8/2009 9:46:16 PM |
| unclejaef | $25.00 | $25.00 | 10/8/2009 10:21:46 PM |
| UCLA4life | $25.00 | $25.00 | 10/9/2009 11:03:16 AM |
| payout-comet | $25.00 | $25.00 | 10/9/2009 6:33:54 PM |
| Prezotus | $25.00 | $25.00 | 10/10/2009 8:22:07 AM |
| uncleegg | $25.00 | $25.00 | 10/10/2009 5:14:09 AM |
| catomaior | $25.00 | $25.00 | 10/10/2009 11:14:02 AM |
| bigbryan98 | $25.00 | $25.00 | 10/10/2009 12:23:49 PM |
| Wangersinc | $25.00 | $25.00 | 10/12/2009 1:44:28 PM |
| Sixmil | $25.00 | $25.00 | 10/12/2009 2:41:07 PM |
| VBAces | $25.00 | $25.00 | 10/12/2009 2:44:57 PM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 10/12/2009 3:45:27 PM |
| rbb | $25.00 | $25.00 | 10/12/2009 3:48:49 PM |
| beezling | $52.00 | $52.00 | 10/12/2009 3:09:15 PM |
| Kaj | $25.00 | $25.00 | 10/12/2009 3:39:01 PM |
| jhouman | $25.00 | $25.00 | 10/12/2009 4:40:22 PM |
| bassman2 | $25.00 | $25.00 | 10/12/2009 9:03:47 PM |
| GElender | $25.00 | $3.00 | 10/13/2009 6:15:39 AM |
| YogaDude34 | $25.00 | $25.00 | 10/13/2009 4:13:45 AM |
| TheCount | $100.00 | $100.00 | 10/13/2009 6:05:44 AM |
| 135 bids
|
Borrower Payment Dependent Notes Series
427125
This series of Notes was issued and sold upon the funding of the borrower loan #39016, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-06-2009 |
| |
Auction end date:
| Oct-18-2009 |
|
|
Starting lender yield:
| 16.00% |
Starting borrower rate/APR:
| 17.00% / 19.20% |
Starting monthly payment:
| $178.26 |
|
Final lender yield:
| 16.00% |
Final borrower rate/APR:
| 17.00% / 19.20% |
Final monthly payment:
| $178.26 |
| |
|
Auction yield range:
| 4.27% - 16.00% |
Estimated loss impact:
| 2.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.83% | | |
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-1982 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 700-720 (Sep-2009) |
Current / open credit lines:
| 19
/
19 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 32 | Length of status: | 24y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $57,705 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 95% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| funds-explosion |
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
Higher Rate for quick loan
Purpose of loan:
Consolidate Credit
My financial situation:
I am a good candidate for this loan because? Worked for the government for over 20 years with at least 10 more to go?
Would rather pay you than banks. We started paying down the balances and they kept lowering my available credit.??
I love the concept of prosper and the opportunity it provides.? I plan on using this loan to wipeout the balance on one account.
When this loan is payed off? I plan to do it again replacing another account.? Goal is to be debt free.?
?Monthly Income? 5000+
Home 2400
Utilities 400
Autos?? 500
Credit Card 800?? part of which would be taken care of by this loan
Misc? 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CallMeBen | $25.00 | $25.00 | 10/6/2009 4:33:03 PM |
| Spring342 | $25.00 | $25.00 | 10/6/2009 4:34:21 PM |
| snw_1710 | $100.00 | $100.00 | 10/6/2009 4:36:31 PM |
| Dollarhide | $25.00 | $25.00 | 10/6/2009 4:37:08 PM |
| YDBXMHC | $25.00 | $25.00 | 10/6/2009 4:37:26 PM |
| SnE | $25.00 | $25.00 | 10/6/2009 4:37:18 PM |
| Rattlehead | $100.00 | $100.00 | 10/6/2009 4:37:25 PM |
| SS123 | $25.00 | $25.00 | 10/6/2009 4:34:46 PM |
| rate-mogul | $25.00 | $25.00 | 10/6/2009 4:35:20 PM |
| the-auction-lotus | $25.00 | $25.00 | 10/6/2009 4:37:17 PM |
| alterlatina | $25.00 | $25.00 | 10/6/2009 5:54:03 PM |
| KramericaIndustries | $25.00 | $25.00 | 10/6/2009 8:50:56 PM |
| massuot | $25.00 | $25.00 | 10/7/2009 7:30:18 AM |
| CommerciaLender | $39.00 | $39.00 | 10/7/2009 12:48:36 PM |
| note-buddy | $73.25 | $73.25 | 10/7/2009 2:27:59 PM |
| aasx1108 | $25.00 | $25.00 | 10/7/2009 2:42:33 PM |
| eronyc | $25.00 | $25.00 | 10/7/2009 7:16:14 PM |
| CAGE-Investments | $50.00 | $50.00 | 10/8/2009 7:28:26 AM |
| AdamDB | $25.00 | $25.00 | 10/8/2009 4:11:28 PM |
| sflender1099 | $25.00 | $25.00 | 10/8/2009 5:47:01 PM |
| hotwired | $25.00 | $25.00 | 10/9/2009 6:37:25 AM |
| cbz | $25.00 | $25.00 | 10/9/2009 9:34:13 AM |
| PR05P3RToday | $25.00 | $25.00 | 10/11/2009 8:08:29 PM |
| silverloan | $34.49 | $34.49 | 10/11/2009 8:43:43 PM |
| singletrck | $25.00 | $25.00 | 10/12/2009 1:25:31 PM |
| HotStreak | $50.00 | $50.00 | 10/12/2009 11:09:28 AM |
| Aristophil | $100.00 | $100.00 | 10/13/2009 6:39:33 AM |
| preventivepestcontrol | $50.00 | $50.00 | 10/13/2009 12:19:35 AM |
| tender-ore | $25.00 | $25.00 | 10/13/2009 9:58:40 AM |
| rjleves | $25.00 | $25.00 | 10/13/2009 2:04:05 PM |
| reflective-rupee | $500.00 | $500.00 | 10/14/2009 12:52:46 PM |
| hyperdrive7 | $25.00 | $25.00 | 10/14/2009 3:04:16 PM |
| Aristophil | $200.00 | $200.00 | 10/14/2009 2:29:27 PM |
| MrEville | $25.00 | $25.00 | 10/14/2009 4:27:22 PM |
| Stavros | $30.00 | $30.00 | 10/14/2009 5:49:19 PM |
| WorkingMomVA | $30.00 | $30.00 | 10/15/2009 3:59:14 AM |
| 101010 | $150.00 | $150.00 | 10/15/2009 7:41:21 AM |
| investorrr | $25.00 | $25.00 | 10/15/2009 8:03:24 AM |
| favorite-dollar | $25.00 | $25.00 | 10/15/2009 10:07:38 AM |
| lenderrb | $25.00 | $25.00 | 10/15/2009 12:43:42 PM |
| Chrishu | $25.00 | $25.00 | 10/15/2009 1:14:02 PM |
| SunriseTrader1 | $25.00 | $25.00 | 10/15/2009 2:02:33 PM |
| dollar-force1 | $25.00 | $25.00 | 10/15/2009 1:18:59 PM |
| currency-pipeline | $25.00 | $25.00 | 10/15/2009 5:24:29 PM |
| mtnsofutah | $50.00 | $50.00 | 10/16/2009 12:01:06 AM |
| jojnax | $41.06 | $41.06 | 10/16/2009 2:35:07 AM |
| REBizGuy | $34.44 | $34.44 | 10/15/2009 7:40:42 PM |
| benefit-squirrel | $50.00 | $50.00 | 10/16/2009 2:29:21 AM |
| miket71 | $52.50 | $52.50 | 10/16/2009 2:33:01 AM |
| reciprocate | $200.00 | $200.00 | 10/16/2009 9:49:19 AM |
| srfb973 | $50.00 | $50.00 | 10/16/2009 1:30:00 PM |
| bid-wonder | $25.00 | $25.00 | 10/16/2009 12:34:56 PM |
| caseattle | $25.00 | $25.00 | 10/16/2009 1:56:59 PM |
| Byrd24 | $100.00 | $100.00 | 10/16/2009 7:03:45 PM |
| RSV | $25.00 | $25.00 | 10/16/2009 4:38:42 PM |
| tender-ore | $25.00 | $25.00 | 10/16/2009 6:55:12 PM |
| mosby | $50.00 | $50.00 | 10/16/2009 7:01:33 PM |
| scredneck | $37.40 | $37.40 | 10/16/2009 7:01:49 PM |
| Yin | $25.00 | $25.00 | 10/17/2009 2:46:07 PM |
| earth70s | $25.00 | $25.00 | 10/17/2009 12:42:27 PM |
| icon7 | $50.00 | $50.00 | 10/17/2009 7:00:03 PM |
| Dustley | $25.00 | $25.00 | 10/6/2009 4:33:41 PM |
| order-prospector | $40.00 | $40.00 | 10/6/2009 4:36:24 PM |
| investor_101 | $25.00 | $25.00 | 10/6/2009 4:37:10 PM |
| shag2 | $25.00 | $25.00 | 10/6/2009 4:37:07 PM |
| notyourdaddy | $25.00 | $25.00 | 10/6/2009 4:37:27 PM |
| propertytransformer | $25.00 | $25.00 | 10/6/2009 4:56:43 PM |
| RadCad1 | $50.00 | $50.00 | 10/6/2009 4:34:48 PM |
| Num1Knicks | $25.00 | $25.00 | 10/7/2009 2:25:56 PM |
| Syzygy | $25.00 | $25.00 | 10/7/2009 1:04:47 PM |
| chibear34 | $25.00 | $25.00 | 10/7/2009 5:31:19 PM |
| hellasow | $25.00 | $25.00 | 10/7/2009 7:36:30 PM |
| Unitas4302 | $50.00 | $50.00 | 10/8/2009 6:48:34 AM |
| vinayski | $25.00 | $25.00 | 10/8/2009 3:51:08 PM |
| puyanera | $25.00 | $25.00 | 10/10/2009 3:19:19 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/10/2009 7:58:05 PM |
| SFBank | $200.00 | $200.00 | 10/11/2009 5:38:16 AM |
| scottr | $25.00 | $25.00 | 10/12/2009 9:25:00 AM |
| Halos2002 | $50.00 | $50.00 | 10/12/2009 2:15:51 PM |
| Bigsaver | $25.00 | $25.00 | 10/12/2009 2:44:38 PM |
| Dad2SandJ | $45.16 | $45.16 | 10/13/2009 4:52:04 AM |
| ajzwilli | $50.00 | $50.00 | 10/13/2009 9:01:09 AM |
| TabascoKat | $57.00 | $57.00 | 10/13/2009 6:56:37 AM |
| understanding-integrity4 | $50.00 | $50.00 | 10/13/2009 11:35:30 AM |
| debtcollector | $100.00 | $100.00 | 10/13/2009 2:00:38 PM |
| inforapenny | $25.00 | $25.00 | 10/13/2009 3:25:47 PM |
| flyinhawaiian | $50.00 | $50.00 | 10/14/2009 5:08:45 AM |
| affluence-tulip | $100.00 | $100.00 | 10/14/2009 8:50:17 AM |
| BoughtTheFarm | $25.00 | $25.00 | 10/14/2009 12:53:36 PM |
| building_community | $25.00 | $25.00 | 10/14/2009 2:13:32 PM |
| NeemanuKotagoLending | $27.58 | $27.58 | 10/14/2009 1:47:32 PM |
| jybank | $25.00 | $25.00 | 10/14/2009 2:10:13 PM |
| jonn834 | $25.00 | $25.00 | 10/14/2009 2:14:38 PM |
| JRockdown | $25.00 | $25.00 | 10/15/2009 9:29:30 AM |
| sshgfwb | $25.00 | $25.00 | 10/15/2009 11:56:02 AM |
| JerryB96 | $25.00 | $25.00 | 10/15/2009 8:15:09 PM |
| butlerpossible | $25.00 | $25.00 | 10/15/2009 6:48:25 PM |
| minista | $25.00 | $25.00 | 10/16/2009 2:33:04 AM |
| Jim33 | $25.00 | $25.00 | 10/15/2009 9:49:18 PM |
| Num1Knicks | $25.00 | $25.00 | 10/16/2009 7:30:18 AM |
| Aristophil | $80.00 | $80.00 | 10/16/2009 7:45:41 AM |
| silver-cloud | $50.00 | $50.00 | 10/16/2009 11:43:08 AM |
| Aristophil | $360.00 | $23.12 | 10/16/2009 12:34:40 PM |
| ctruong53 | $80.00 | $80.00 | 10/16/2009 1:21:14 PM |
| shadargroup | $25.00 | $25.00 | 10/16/2009 4:29:42 PM |
| Gold_Coin | $25.00 | $25.00 | 10/16/2009 6:56:19 PM |
| wwwUniversal | $25.00 | $25.00 | 10/16/2009 6:56:17 PM |
| PR05P3RToday | $25.00 | $25.00 | 10/16/2009 7:01:36 PM |
| beachbum22 | $25.00 | $25.00 | 10/17/2009 8:53:12 PM |
| 109 bids
|
Borrower Payment Dependent Notes Series
427761
This series of Notes was issued and sold upon the funding of the borrower loan #39012, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,700.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 8.17% |
Starting borrower rate/APR:
| 9.17% / 9.51% |
Starting monthly payment:
| $86.07 |
|
Final lender yield:
| 6.20% |
Final borrower rate/APR:
| 7.20% / 7.54% |
Final monthly payment:
| $83.62 |
| |
|
Auction yield range:
| 3.27% - 8.17% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 760-780 (Oct-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,704 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 22% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| geekguy |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 3 |
On-time:
| 10 ( 100% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $12,896.00 | < mo. late:
| 0
( 0% )
| 720-740
(Aug-2007)
700-720
(Jan-2007)
760-780
(Sep-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Transfer Credit Card Balance
Purpose of loan:
To transfer the balance of my single credit card which has $2,700 on it and pay a lower interest
My financial situation:
I've borrowed money from prosper several times and already paid the loans back. I've borrowed money for a computer last year, and for furniture recently and paid them off. I'm also a prosper lender, I currently have about $3,300 in loans out to prosper members. I will more than likely pay this loan off this year and I like to finance my larger purchases. I have over $23,000 in stocks invested in my Etrade account and I also have two Foreign Exchange trading accounts open with FXDD with a total of $11,583 in that account.
Monthly net income: $ 5866
Monthly expenses: $
??Housing: $
1140
??Insurance: $
139
??Car expenses: $
385
??Utilities: $
100 +/-
??Phone, cable, internet: $
150 +/-
??Food, entertainment: $
500
??Clothing, household expenses $
500
??Credit cards and other loans: $
300
? Discretionary spend: $
1000 +/-
Total Outlays: $3,816
Leftover: $1,620 (Savings & Investments)
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) |
|
| transparency-giant | $65.00 | $65.00 | 10/13/2009 9:48:20 AM |
| mjm77_1 | $25.00 | $25.00 | 10/13/2009 9:44:47 AM |
| personal-lender | $25.00 | $25.00 | 10/13/2009 9:59:41 AM |
| j48 | $25.00 | $25.00 | 10/13/2009 10:02:21 AM |
| point-zebra | $25.00 | $25.00 | 10/13/2009 9:58:53 AM |
| kulender | $25.00 | $25.00 | 10/13/2009 9:59:26 AM |
| sas19 | $25.00 | $25.00 | 10/13/2009 10:01:32 AM |
| FundMaker | $25.00 | $25.00 | 10/13/2009 12:31:42 PM |
| swiftsoul | $25.00 | $25.00 | 10/14/2009 4:53:31 AM |
| blot44 | $50.00 | $50.00 | 10/14/2009 5:18:20 AM |
| makosdJR02 | $33.07 | $33.07 | 10/14/2009 3:34:05 PM |
| soilchem | $25.00 | $25.00 | 10/14/2009 7:00:15 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/14/2009 7:05:06 PM |
| tender-ore | $25.00 | $25.00 | 10/15/2009 5:53:39 AM |
| sisepuede | $25.00 | $25.00 | 10/15/2009 3:13:12 PM |
| buckyhead2000 | $25.00 | $25.00 | 10/16/2009 5:49:17 AM |
| blot44 | $50.00 | $50.00 | 10/16/2009 4:28:11 AM |
| gotbyu | $25.00 | $25.00 | 10/16/2009 11:14:13 AM |
| freetolive | $25.00 | $25.00 | 10/16/2009 12:20:01 PM |
| Russia5M | $25.00 | $25.00 | 10/16/2009 1:19:26 PM |
| maj0508 | $100.00 | $100.00 | 10/18/2009 8:58:34 AM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 10/18/2009 3:32:25 PM |
| Wildcat23 | $50.00 | $50.00 | 10/18/2009 3:40:00 PM |
| generous-deal6 | $25.00 | $25.00 | 10/18/2009 9:53:18 PM |
| bradny | $50.00 | $50.00 | 10/19/2009 7:42:58 AM |
| selector568 | $100.00 | $100.00 | 10/13/2009 9:59:03 AM |
| DonaldColorado | $25.00 | $25.00 | 10/13/2009 9:59:34 AM |
| DukSerduk | $25.00 | $25.00 | 10/13/2009 10:00:56 AM |
| gold-tsunami | $25.00 | $25.00 | 10/13/2009 10:01:25 AM |
| Barak | $80.00 | $80.00 | 10/13/2009 10:02:06 AM |
| djh47a | $40.00 | $16.93 | 10/13/2009 10:02:38 AM |
| abidos | $25.00 | $25.00 | 10/13/2009 9:59:13 AM |
| Weaverville | $25.00 | $25.00 | 10/13/2009 10:00:45 AM |
| bchen78875 | $50.00 | $50.00 | 10/13/2009 10:01:09 AM |
| kinetic-diversification | $50.00 | $50.00 | 10/13/2009 10:01:42 AM |
| SchaeferJ | $25.00 | $25.00 | 10/13/2009 10:14:55 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/13/2009 10:37:42 AM |
| icon7 | $50.00 | $50.00 | 10/14/2009 11:05:30 AM |
| JDLanier | $25.00 | $25.00 | 10/14/2009 11:26:30 AM |
| BankofBeth | $50.00 | $50.00 | 10/14/2009 1:51:00 PM |
| nocal_lender | $25.00 | $25.00 | 10/14/2009 6:06:03 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/14/2009 7:04:49 PM |
| HealthAndSafety | $100.00 | $100.00 | 10/14/2009 6:54:34 PM |
| platinum-dojo | $25.00 | $25.00 | 10/14/2009 8:01:43 PM |
| hellasow | $30.00 | $30.00 | 10/15/2009 4:04:36 AM |
| Loves-Corvairs | $50.00 | $50.00 | 10/15/2009 7:31:34 AM |
| Berger2323 | $50.00 | $50.00 | 10/15/2009 9:07:13 AM |
| lizphan1 | $25.00 | $25.00 | 10/15/2009 3:11:13 PM |
| marwadi-62 | $300.00 | $300.00 | 10/15/2009 4:33:04 PM |
| amit_gu | $200.00 | $200.00 | 10/16/2009 9:54:09 AM |
| tranquil-balance | $25.00 | $25.00 | 10/16/2009 12:52:47 PM |
| best-generosity-financier | $100.00 | $100.00 | 10/16/2009 4:04:20 PM |
| kinetic-social | $50.00 | $50.00 | 10/16/2009 3:58:04 PM |
| fantasysports | $25.00 | $25.00 | 10/16/2009 10:55:21 PM |
| kulender | $50.00 | $50.00 | 10/17/2009 3:55:20 AM |
| Prezotus | $25.00 | $25.00 | 10/17/2009 10:53:19 AM |
| building_community | $100.00 | $100.00 | 10/17/2009 8:32:50 PM |
| herman7 | $50.00 | $50.00 | 10/18/2009 11:31:46 AM |
| 58 bids
|
Borrower Payment Dependent Notes Series
427913
This series of Notes was issued and sold upon the funding of the borrower loan #39022, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-20-2009 |
|
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 15.36% |
Starting monthly payment:
| $34.67 |
|
Final lender yield:
| 8.85% |
Final borrower rate/APR:
| 9.85% / 10.20% |
Final monthly payment:
| $32.20 |
| |
|
Auction yield range:
| 3.27% - 14.00% |
Estimated loss impact:
| 0.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.24% | | |
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:
| 10 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 820-840 (Oct-2009) |
Current / open credit lines:
| 11
/
10 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $66,668 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 41% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| listing-photon |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Providing Micro Loans
Purpose of loan: This loan will be used to provide short term micro-loans to people in need
I wish to help people who are in a difficult situation due to the economic recession, perfectly responsible and prudent people are in trouble. Sometimes they just need to borrow a small amount to tide them over. I am starting small by helping only people I know. By coming to Prosper I can use the power of people to help other people in a socially responsible way.
My Financial Situation
I have a history of paying all my debts on time, and have enough funds already earmarked in a money market account to pay of this loan in a timely manner, thus ensuring that you as an investor are confident that you are investing in a low risk investment. I am using Prosper to build my base of investors who can help me achieve my goals of lifting people out of poverty, whilst enjoying a good return on their money.?
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's the interest you will charge on your loans? - Tico_75
A:
That is a very good question. Most Microfinance Organizations are charging a relatively high rate of interest say between 15% - 20% because their cost of servicing small loans is high. However this is much less than what loan sharks charge the poorest i.e. 1000% or more.
I am experimenting with a slightly different model by getting my loan officers, myself at the moment, to contribute their services for free hence I plan on keeping the interest rate the same as that I am paying.
(Oct-19-2009)
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 | 10/15/2009 3:47:17 AM |
| kanyonkat | $25.00 | $25.00 | 10/15/2009 5:15:12 AM |
| Gold_Coin | $25.00 | $25.00 | 10/15/2009 5:43:47 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/16/2009 9:29:31 AM |
| ThPIllowSack | $25.00 | $25.00 | 10/17/2009 6:17:10 AM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 10/18/2009 3:34:50 PM |
| QsDad | $25.00 | $25.00 | 10/18/2009 6:02:57 PM |
| 101010 | $100.00 | $20.00 | 10/19/2009 7:32:06 AM |
| ronin4sale | $25.00 | $25.00 | 10/19/2009 7:42:42 AM |
| mobius_titan | $25.00 | $25.00 | 10/19/2009 9:51:31 AM |
| plbquic | $50.00 | $50.00 | 10/19/2009 12:17:54 PM |
| understanding-integrity4 | $50.00 | $50.00 | 10/19/2009 3:53:28 PM |
| senior1 | $25.00 | $25.00 | 10/19/2009 5:15:41 PM |
| flshdaskll | $25.00 | $25.00 | 10/19/2009 5:43:00 PM |
| atlas100 | $50.00 | $50.00 | 10/19/2009 6:45:43 PM |
| PotBellyPete | $75.00 | $75.00 | 10/19/2009 7:31:49 PM |
| alvinsl | $25.00 | $25.00 | 10/20/2009 4:55:06 AM |
| building_community | $25.00 | $25.00 | 10/14/2009 7:43:19 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/15/2009 10:56:54 AM |
| Ven58 | $25.00 | $25.00 | 10/15/2009 5:39:06 PM |
| JCPlending | $25.00 | $25.00 | 10/17/2009 1:19:38 PM |
| Halos2002 | $50.00 | $50.00 | 10/19/2009 8:20:29 AM |
| Halos2002 | $50.00 | $50.00 | 10/19/2009 8:19:52 AM |
| spqrxxi | $25.00 | $25.00 | 10/19/2009 12:59:57 PM |
| SoloX | $25.00 | $25.00 | 10/19/2009 1:09:39 PM |
| nbah123 | $50.00 | $50.00 | 10/19/2009 2:39:22 PM |
| generous-deal6 | $25.00 | $25.00 | 10/19/2009 5:52:57 PM |
| tender-ore | $25.00 | $25.00 | 10/19/2009 9:03:47 PM |
| datongmama | $25.00 | $25.00 | 10/20/2009 4:43:00 AM |
| martymaniaman | $25.00 | $25.00 | 10/20/2009 6:03:27 AM |
| brightest-economy-tsunami | $50.00 | $50.00 | 10/20/2009 9:30:55 AM |
| 31 bids
|
Borrower Payment Dependent Notes Series
427965
This series of Notes was issued and sold upon the funding of the borrower loan #39004, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-17-2009 |
|
|
Starting lender yield:
| 11.42% |
Starting borrower rate/APR:
| 12.42% / 14.56% |
Starting monthly payment:
| $233.91 |
|
Final lender yield:
| 9.40% |
Final borrower rate/APR:
| 10.40% / 12.51% |
Final monthly payment:
| $227.19 |
| |
|
Auction yield range:
| 4.27% - 11.42% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 760-780 (Oct-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 37 | Length of status: | 4y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,390 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 26% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| tough-dime |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
I'm not sure about the formatting of this, so I'm hoping it looks correct. I have two credit cards I want to pay off. One is a ridiculous interest rate of 29%. I simply cannot get ahead at such a rate. Another is 7.5, which I certainly can't complain about. I need to consolidate so I can pay this off consistently.
I make $70k per year in a very secure job. I am an administrator at a high school. I have two masters degrees. I have good credit except that my debt to credit ration (or something like that) is too high and so I can't seem to get a personal 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) |
|
| transparency-giant | $65.00 | $65.00 | 10/13/2009 9:48:12 AM |
| point-zebra | $25.00 | $25.00 | 10/13/2009 9:58:46 AM |
| abidos | $25.00 | $25.00 | 10/13/2009 9:59:18 AM |
| selector568 | $100.00 | $100.00 | 10/13/2009 9:58:56 AM |
| personal-lender | $25.00 | $25.00 | 10/13/2009 9:59:50 AM |
| gold-tsunami | $25.00 | $25.00 | 10/13/2009 10:01:30 AM |
| bchen78875 | $50.00 | $50.00 | 10/13/2009 10:01:21 AM |
| sas19 | $25.00 | $25.00 | 10/13/2009 10:01:38 AM |
| justice-dna | $25.00 | $25.00 | 10/13/2009 10:03:15 AM |
| platinum-sorcerer6 | $25.00 | $25.00 | 10/13/2009 10:04:03 AM |
| MONEYLENDER101 | $100.00 | $100.00 | 10/13/2009 10:05:00 AM |
| kid8549 | $25.00 | $25.00 | 10/13/2009 10:04:20 AM |
| shadowflame_99 | $25.00 | $25.00 | 10/13/2009 10:05:22 AM |
| czar3 | $25.00 | $25.00 | 10/13/2009 10:04:40 AM |
| hawker | $100.00 | $100.00 | 10/13/2009 10:04:43 AM |
| DukSerduk | $25.00 | $25.00 | 10/13/2009 10:01:03 AM |
| inventive-funds | $25.00 | $25.00 | 10/13/2009 10:02:51 AM |
| unequaled-credit7 | $25.00 | $25.00 | 10/13/2009 10:08:24 AM |
| inventive-wealth2 | $25.00 | $25.00 | 10/13/2009 10:09:26 AM |
| InvestorPartners | $25.00 | $25.00 | 10/13/2009 10:04:30 AM |
| zone6 | $75.00 | $75.00 | 10/13/2009 10:11:49 AM |
| jcfunder | $25.00 | $25.00 | 10/13/2009 10:07:54 AM |
| buckyhead2000 | $25.00 | $25.00 | 10/13/2009 10:09:45 AM |
| dr-dollar | $25.00 | $25.00 | 10/13/2009 10:14:12 AM |
| uncleegg | $25.00 | $25.00 | 10/13/2009 10:13:47 AM |
| Prezotus | $25.00 | $25.00 | 10/13/2009 10:14:19 AM |
| supersarah61 | $25.00 | $25.00 | 10/13/2009 10:24:39 AM |
| martalli | $25.00 | $25.00 | 10/13/2009 10:31:01 AM |
| andyb9 | $25.00 | $25.00 | 10/13/2009 10:25:12 AM |
| get30inc | $50.00 | $50.00 | 10/13/2009 10:32:21 AM |
| Attract | $25.00 | $25.00 | 10/13/2009 10:32:43 AM |
| KailuaLender | $25.00 | $25.00 | 10/13/2009 10:26:43 AM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/13/2009 10:30:21 AM |
| Tai | $25.00 | $25.00 | 10/13/2009 10:32:50 AM |
| GElender | $50.00 | $50.00 | 10/13/2009 10:33:46 AM |
| YogaDude34 | $45.00 | $45.00 | 10/13/2009 10:33:19 AM |
| mjm77_1 | $25.00 | $25.00 | 10/13/2009 10:34:26 AM |
| tlp43 | $25.00 | $25.00 | 10/13/2009 10:35:25 AM |
| wacko82 | $25.00 | $25.00 | 10/13/2009 10:35:35 AM |
| figs4u2 | $400.00 | $400.00 | 10/13/2009 10:44:22 AM |
| otter | $25.00 | $25.00 | 10/13/2009 11:54:13 AM |
| rdrloan | $25.00 | $25.00 | 10/13/2009 2:15:08 PM |
| rjleves | $25.00 | $25.00 | 10/13/2009 2:03:58 PM |
| djh47a | $37.00 | $37.00 | 10/13/2009 1:28:56 PM |
| Toastsr | $29.35 | $29.35 | 10/13/2009 3:34:18 PM |
| SNH | $50.00 | $50.00 | 10/13/2009 3:24:43 PM |
| rjblack | $50.00 | $50.00 | 10/13/2009 4:18:55 PM |
| WHEREISTHEMOON | $50.00 | $50.00 | 10/13/2009 5:54:27 PM |
| LR_Biker | $25.00 | $25.00 | 10/13/2009 7:44:59 PM |
| L-vex | $25.00 | $25.00 | 10/13/2009 11:14:24 PM |
| Cai8899 | $50.00 | $50.00 | 10/14/2009 2:33:15 AM |
| Toberino | $25.00 | $25.00 | 10/14/2009 4:54:50 AM |
| Reinadog9 | $25.00 | $25.00 | 10/14/2009 4:54:43 AM |
| the-silver-blaster | $45.00 | $45.00 | 10/14/2009 5:33:05 AM |
| jla720 | $25.00 | $25.00 | 10/14/2009 4:54:45 AM |
| flwah | $25.00 | $25.00 | 10/14/2009 7:19:33 AM |
| ClearLake | $25.00 | $25.00 | 10/14/2009 8:38:02 AM |
| a-responsible-return | $25.00 | $25.00 | 10/14/2009 8:50:13 AM |
| FEWDollars | $25.00 | $25.00 | 10/14/2009 9:33:07 AM |
| ethicalhumanist | $25.00 | $25.00 | 10/14/2009 10:33:22 AM |
| gulfstream1 | $25.00 | $25.00 | 10/14/2009 10:38:55 AM |
| jazz619 | $49.02 | $49.02 | 10/14/2009 10:57:08 AM |
| tsui517 | $25.00 | $25.00 | 10/14/2009 11:08:26 AM |
| fortytwo | $213.74 | $213.74 | 10/14/2009 11:10:45 AM |
| progressive-rupee | $25.00 | $25.00 | 10/14/2009 11:36:48 AM |
| One1putt | $25.00 | $25.00 | 10/14/2009 1:28:00 PM |
| rlrcstr | $25.00 | $25.00 | 10/14/2009 2:17:12 PM |
| Castellan | $25.00 | $25.00 | 10/14/2009 2:23:24 PM |
| leftcoast52 | $25.00 | $25.00 | 10/14/2009 3:33:07 PM |
| panegryst | $25.00 | $25.00 | 10/14/2009 2:16:40 PM |
| iLoaner | $25.00 | $25.00 | 10/14/2009 3:28:32 PM |
| WaitForIt | $25.00 | $25.00 | 10/14/2009 3:38:16 PM |
| Patter256 | $25.00 | $25.00 | 10/14/2009 3:58:35 PM |
| kegs | $69.75 | $69.75 | 10/14/2009 4:29:22 PM |
| johannesfactotum | $25.00 | $25.00 | 10/14/2009 5:42:37 PM |
| NYWA | $25.00 | $25.00 | 10/14/2009 5:13:02 PM |
| sh71 | $25.00 | $25.00 | 10/14/2009 5:58:05 PM |
| fsa3 | $25.00 | $25.00 | 10/14/2009 6:06:08 PM |
| dansarkis | $25.00 | $25.00 | 10/14/2009 5:48:34 PM |
| crenen139 | $50.00 | $50.00 | 10/14/2009 7:25:18 PM |
| friendlyviking | $25.00 | $25.00 | 10/14/2009 5:49:13 PM |
| BeemerRider | $25.00 | $25.00 | 10/14/2009 5:58:21 PM |
| help_each_other | $25.00 | $25.00 | 10/14/2009 6:19:11 PM |
| greenback-ally | $44.71 | $44.71 | 10/14/2009 9:03:29 PM |
| credit-coach118 | $35.00 | $35.00 | 10/14/2009 8:38:09 PM |
| kmwvma | $25.00 | $25.00 | 10/15/2009 3:13:27 AM |
| Orringo | $50.00 | $50.00 | 10/15/2009 7:28:26 AM |
| decisive-capital | $94.14 | $94.14 | 10/15/2009 8:53:03 AM |
| proper-commitment5 | $25.00 | $25.00 | 10/15/2009 9:33:28 AM |
| Namrok | $25.00 | $25.00 | 10/15/2009 9:33:08 AM |
| wonderous-euro | $25.00 | $25.00 | 10/15/2009 9:33:21 AM |
| KiwiElf | $30.00 | $30.00 | 10/15/2009 10:15:40 AM |
| unrivaled-justice | $25.00 | $25.00 | 10/15/2009 9:33:35 AM |
| TriSail | $25.00 | $25.00 | 10/15/2009 9:38:53 AM |
| BayShell | $40.00 | $40.00 | 10/15/2009 10:23:48 AM |
| red-favorable-basis | $25.00 | $25.00 | 10/15/2009 10:40:22 AM |
| BankOfFrankFairness | $31.04 | $31.04 | 10/15/2009 11:08:05 AM |
| JJS180 | $25.00 | $25.00 | 10/15/2009 11:05:10 AM |
| DadWarbucks | $25.00 | $25.00 | 10/15/2009 11:10:10 AM |
| andrewgl | $25.00 | $25.00 | 10/15/2009 12:30:44 PM |
| beakerfish | $300.00 | $47.68 | 10/15/2009 12:58:31 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/15/2009 3:49:48 PM |
| kulender | $25.00 | $25.00 | 10/13/2009 9:59:21 AM |
| Weaverville | $25.00 | $25.00 | 10/13/2009 10:00:53 AM |
| snowman34 | $25.00 | $25.00 | 10/13/2009 10:02:02 AM |
| Barak | $80.00 | $80.00 | 10/13/2009 10:02:12 AM |
| compoundinterest | $50.00 | $50.00 | 10/13/2009 10:03:11 AM |
| gracej | $25.00 | $25.00 | 10/13/2009 10:03:55 AM |
| thedreamer | $25.00 | $25.00 | 10/13/2009 10:04:23 AM |
| income-crescendo1 | $25.00 | $25.00 | 10/13/2009 9:59:30 AM |
| dealarella | $25.00 | $25.00 | 10/13/2009 10:04:51 AM |
| icon7 | $25.00 | $25.00 | 10/13/2009 10:05:47 AM |
| kinetic-diversification | $50.00 | $50.00 | 10/13/2009 10:01:51 AM |
| Walkingcowboy | $25.00 | $25.00 | 10/13/2009 10:07:57 AM |
| BlindProphet | $25.00 | $25.00 | 10/13/2009 10:03:01 AM |
| holstj | $25.00 | $25.00 | 10/13/2009 10:11:04 AM |
| goofy15975 | $25.00 | $25.00 | 10/13/2009 10:10:39 AM |
| Havana21 | $50.00 | $50.00 | 10/13/2009 10:10:56 AM |
| CarDealer3070 | $50.00 | $50.00 | 10/13/2009 10:11:32 AM |
| SDNLR | $25.00 | $25.00 | 10/13/2009 10:12:06 AM |
| kenji4861 | $50.00 | $50.00 | 10/13/2009 10:26:32 AM |
| nzlxjwek | $25.00 | $25.00 | 10/13/2009 10:31:40 AM |
| GatorBait | $50.00 | $50.00 | 10/13/2009 10:32:13 AM |
| VBAces | $75.00 | $75.00 | 10/13/2009 10:28:10 AM |
| kanakakm | $50.00 | $50.00 | 10/13/2009 10:33:34 AM |
| slartibardfast | $25.00 | $25.00 | 10/13/2009 10:27:06 AM |
| agwosdof | $50.00 | $50.00 | 10/13/2009 10:34:07 AM |
| Halos2002 | $50.00 | $50.00 | 10/13/2009 10:27:15 AM |
| MGS | $25.00 | $25.00 | 10/13/2009 10:31:13 AM |
| Sixmil | $25.00 | $25.00 | 10/13/2009 10:27:52 AM |
| FlexFunding | $100.00 | $100.00 | 10/13/2009 10:28:44 AM |
| ThomasC | $25.00 | $25.00 | 10/13/2009 10:30:32 AM |
| bdpres1 | $25.00 | $25.00 | 10/13/2009 10:34:34 AM |
| lean-velocity | $25.00 | $25.00 | 10/13/2009 10:36:00 AM |
| turbine5 | $38.57 | $38.57 | 10/13/2009 11:14:47 AM |
| thegreatone | $50.00 | $50.00 | 10/13/2009 10:35:21 AM |
| julijask | $25.00 | $25.00 | 10/13/2009 10:49:03 AM |
| windfall46 | $25.00 | $25.00 | 10/13/2009 11:07:38 AM |
| acropiloterau2002 | $25.00 | $25.00 | 10/13/2009 12:15:31 PM |
| AF-Chief | $35.00 | $35.00 | 10/13/2009 11:30:08 AM |
| Syzygy | $25.00 | $25.00 | 10/13/2009 1:13:48 PM |
| ceg451 | $25.00 | $25.00 | 10/13/2009 1:09:09 PM |
| anton | $50.00 | $50.00 | 10/13/2009 2:04:21 PM |
| Dreams4Cash | $25.00 | $25.00 | 10/13/2009 3:40:25 PM |
| ManilaBoy40 | $100.00 | $100.00 | 10/13/2009 4:06:22 PM |
| BoutYeBank | $25.00 | $25.00 | 10/13/2009 7:58:45 PM |
| cingular | $25.00 | $25.00 | 10/13/2009 6:23:50 PM |
| DonaldColorado | $25.00 | $25.00 | 10/13/2009 8:44:28 PM |
| bokonon | $25.00 | $25.00 | 10/13/2009 8:53:59 PM |
| regahj99 | $25.00 | $25.00 | 10/13/2009 11:18:06 PM |
| AndersenWatcher | $25.00 | $25.00 | 10/14/2009 8:58:04 AM |
| rex45 | $25.00 | $25.00 | 10/14/2009 7:44:31 AM |
| Lender0010 | $25.00 | $25.00 | 10/14/2009 10:46:42 AM |
| Gibbyland | $100.00 | $100.00 | 10/14/2009 11:10:36 AM |
| degster | $25.00 | $25.00 | 10/14/2009 11:10:51 AM |
| CULPEPPERGROUP | $25.00 | $25.00 | 10/14/2009 11:23:20 AM |
| understanding-marketplace | $25.00 | $25.00 | 10/14/2009 2:16:46 PM |
| Moron_Buffet | $25.00 | $25.00 | 10/14/2009 2:17:01 PM |
| j48 | $25.00 | $25.00 | 10/14/2009 2:17:00 PM |
| slowpig | $50.00 | $50.00 | 10/14/2009 2:28:53 PM |
| Jassi | $25.00 | $25.00 | 10/14/2009 5:42:00 PM |
| djs81 | $25.00 | $25.00 | 10/14/2009 5:42:38 PM |
| superchicken | $25.00 | $25.00 | 10/14/2009 5:43:08 PM |
| Coach2often | $50.00 | $50.00 | 10/14/2009 5:49:05 PM |
| larrybird | $75.00 | $75.00 | 10/14/2009 5:42:33 PM |
| Sid-K | $50.00 | $50.00 | 10/14/2009 5:43:07 PM |
| CPAMAN | $25.00 | $25.00 | 10/14/2009 5:44:29 PM |
| kindness-saver | $75.00 | $75.00 | 10/14/2009 7:24:02 PM |
| neenerman | $25.00 | $25.00 | 10/14/2009 8:31:11 PM |
| ATOHokie | $25.00 | $25.00 | 10/14/2009 9:35:07 PM |
| wrighco | $25.00 | $25.00 | 10/14/2009 10:19:17 PM |
| Gundu | $25.00 | $25.00 | 10/14/2009 8:45:08 PM |
| nehemiah65 | $30.00 | $30.00 | 10/14/2009 9:28:04 PM |
| bazaar-tulip | $25.00 | $25.00 | 10/15/2009 5:58:14 AM |
| mikeandcat | $50.00 | $50.00 | 10/15/2009 7:30:56 AM |
| Aethelwolf | $25.00 | $25.00 | 10/15/2009 7:38:03 AM |
| portfolio-zone801 | $25.00 | $25.00 | 10/15/2009 9:34:34 AM |
| blue-note-relaxation | $25.00 | $25.00 | 10/15/2009 9:34:38 AM |
| celkram | $25.00 | $25.00 | 10/15/2009 9:34:49 AM |
| Eagledrop | $25.00 | $25.00 | 10/15/2009 9:44:51 AM |
| Cheburashka | $40.00 | $40.00 | 10/15/2009 10:33:30 AM |
| DeathScythe676 | $25.00 | $25.00 | 10/15/2009 9:34:45 AM |
| interest-exec9 | $25.00 | $25.00 | 10/15/2009 9:35:18 AM |
| longisland47m | $25.00 | $25.00 | 10/15/2009 10:23:20 AM |
| TK4 | $25.00 | $25.00 | 10/15/2009 11:23:09 AM |
| WillingToHelpOut | $25.00 | $25.00 | 10/16/2009 8:56:59 AM |
| unk1911 | $50.00 | $50.00 | 10/16/2009 12:51:27 PM |
| icon7 | $50.00 | $50.00 | 10/16/2009 2:46:42 PM |
| Kelor99 | $25.00 | $25.00 | 10/16/2009 2:26:23 PM |
| 189 bids
|
Borrower Payment Dependent Notes Series
426630
This series of Notes was issued and sold upon the funding of the borrower loan #39015, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,400.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-16-2009 |
|
|
Starting lender yield:
| 30.02% |
Starting borrower rate/APR:
| 31.02% / 33.41% |
Starting monthly payment:
| $146.24 |
|
Final lender yield:
| 30.02% |
Final borrower rate/APR:
| 31.02% / 33.41% |
Final monthly payment:
| $146.24 |
| |
|
Auction yield range:
| 14.27% - 30.02% |
Estimated loss impact:
| 16.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 6 |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 620-640 (Sep-2009) |
Current / open credit lines:
| 16
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 34 | Length of status: | 4y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $18,663 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 87% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| raleighdave |
Borrower's state:
| NorthCarolina |
Borrower's group:
| P2P Financial |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 24 ( 71% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $5,300.00 | < mo. late:
| 10
( 29% )
| 620-640
(Dec-2006)
600-620
(Sep-2006)
|
|
Principal balance:
| $428.80 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
2 Loans Paid; Seek 3rd for home imp
About Me
I graduated from Duke University over a decade ago with a degree in Psychology and a minor in Computer Science. Today, I work as a senior IT analyst at Duke. I live in Durham, NC with two old cats and an old mutt-of-a-dog.
Loan Purpose
After college, I had a tremendous amount of credit card debt. I managed this poorly in subsequent years and could no longer manage it after being laid off from my IT job in 2001, as my next job paid much less than I had been used to. In 2002, I filed for bankruptcy. But now, for the last four years, I have had a very stable job.
In rebuilding my credit, I have had a few high-interest credit cards, and things have never been easy. Nearly three years ago, I discovered Prosper, and the loan I am three months from paying off was an enormous help in freeing me from a couple of these high-interest cards. Two years ago, I was able to buy a house, a small, old bungalow, the payments for which I can afford. However, the home needs a lot of work, and I have not been able to put a lot into it. My original plans to get a construction loan to do major renovations for squashed as the housing crisis erupted in the summer of 2007. Now, I would like to get a couple of moderately-priced items taken care of---a decent backyard fence for my dog, attic insulation before the winter, and completely electrical rewiring to replace the spaghetti mess that has built up over the decades. I do also have a $2000 balance on a closed high-interest Chase credit card that I'd like to get rid of. (The rate had been reasonable, but the rate was a jacked up without warning a few months ago).
Credit issues
While I had a bankruptcy 7 years ago, since I began my current job in July 2005, my finances have stabilized and my credit score has improved. I know longer worry about paying bills from month-to-month, and I know I am in a place that I can remain for the long-term.
Repayment Ability
I have a monthly gross salary of $5400 from my position at Duke. My net pay after taxes and deductions is $3800. My total monthly expenses total roughly $3100.
Loan Impact
This loan not increase my debt significantly. I am confident that I am now managing my money and credit well. I have a stable job and am far wiser than I was years ago. I have absolutely no intention of repeating past mistakes. Thank you for your time and consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Could you please comment on why you have been late on 10 of your Prosper loan payments? thanks - reflective-rupee
A:
Sure. My due date is the 20th, and I get paid monthly on the 25th. Prosper does not allow for due date changes, but I had been told it was not considered "late" for 15 days. Had I known "<15 days" would be considered a demerit on future listings, I would have avoided this practice.
(Oct-15-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| fallentimbers | $25.00 | $25.00 | 10/2/2009 7:13:07 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/10/2009 9:16:10 AM |
| investment-cluster | $25.00 | $25.00 | 10/13/2009 1:17:50 PM |
| best-generosity-financier | $75.00 | $75.00 | 10/14/2009 4:10:24 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/15/2009 5:04:28 AM |
| Orringo | $50.00 | $50.00 | 10/15/2009 7:47:26 AM |
| reflective-rupee | $75.00 | $75.00 | 10/15/2009 10:27:05 AM |
| reflective-rupee | $400.00 | $400.00 | 10/15/2009 10:33:19 AM |
| reflective-rupee | $1,000.00 | $1,000.00 | 10/15/2009 5:13:43 PM |
| buffalobills | $25.00 | $25.00 | 10/15/2009 5:57:32 PM |
| periko | $50.00 | $50.00 | 10/15/2009 10:49:09 PM |
| Lubava | $40.00 | $40.00 | 10/15/2009 7:06:28 PM |
| EliteCapital | $25.00 | $25.00 | 10/15/2009 7:19:08 PM |
| MoneyForNothing | $25.00 | $25.00 | 10/16/2009 7:04:58 AM |
| poetic-economy | $25.00 | $25.00 | 10/16/2009 4:22:45 AM |
| Skeptical-one | $50.00 | $50.00 | 10/16/2009 9:36:30 AM |
| balance-warrior | $50.00 | $50.00 | 10/16/2009 9:44:38 AM |
| Flshedman | $50.00 | $50.00 | 10/16/2009 7:04:12 AM |
| foothillender | $25.00 | $25.00 | 10/16/2009 8:19:05 AM |
| unk1911 | $25.00 | $25.00 | 10/16/2009 8:42:23 AM |
| Iceman1347 | $25.00 | $25.00 | 10/16/2009 11:51:38 AM |
| the-silver-blaster | $100.00 | $100.00 | 10/16/2009 10:13:22 AM |
| reflective-rupee | $50.00 | $50.00 | 10/16/2009 10:21:10 AM |
| treasure-transporter | $100.00 | $100.00 | 10/16/2009 12:44:53 PM |
| Skeptical-one | $50.00 | $50.00 | 10/16/2009 11:49:48 AM |
| Redleg6 | $25.00 | $25.00 | 10/4/2009 6:26:48 AM |
| Prezotus | $25.00 | $25.00 | 10/12/2009 8:31:53 PM |
| reflective-rupee | $25.00 | $25.00 | 10/12/2009 8:21:14 PM |
| autoconnection | $25.00 | $25.00 | 10/15/2009 4:29:04 AM |
| epic-payout | $100.00 | $100.00 | 10/15/2009 2:39:51 PM |
| 113121 | $25.00 | $25.00 | 10/15/2009 4:53:19 PM |
| Chrishu | $25.00 | $25.00 | 10/16/2009 8:05:59 AM |
| tzvie | $25.00 | $25.00 | 10/16/2009 8:19:55 AM |
| redcat57 | $25.00 | $25.00 | 10/16/2009 6:01:10 AM |
| credit-coach118 | $25.00 | $25.00 | 10/16/2009 8:44:23 AM |
| reflective-rupee | $75.00 | $75.00 | 10/16/2009 8:44:57 AM |
| reflective-rupee | $25.00 | $25.00 | 10/16/2009 9:26:50 AM |
| thrilling-transaction1 | $25.00 | $25.00 | 10/16/2009 9:31:50 AM |
| Skeptical-one | $50.00 | $50.00 | 10/16/2009 9:36:57 AM |
| reflective-rupee | $150.00 | $150.00 | 10/16/2009 9:45:12 AM |
| investment-visionary | $25.00 | $25.00 | 10/16/2009 11:46:32 AM |
| reflective-rupee | $25.00 | $25.00 | 10/16/2009 9:33:21 AM |
| reflective-rupee | $25.00 | $25.00 | 10/16/2009 12:34:51 PM |
| balance-warrior | $25.00 | $25.00 | 10/16/2009 12:53:11 PM |
| reflective-rupee | $25.00 | $25.00 | 10/16/2009 9:36:09 AM |
| reflective-rupee | $200.00 | $135.00 | 10/16/2009 1:06:24 PM |
| Leshan | $75.00 | $75.00 | 10/16/2009 12:31:44 PM |
| 47 bids
|
Borrower Payment Dependent Notes Series
426808
This series of Notes was issued and sold upon the funding of the borrower loan #39024, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $72.30 |
|
Final lender yield:
| 11.00% |
Final borrower rate/APR:
| 12.00% / 14.13% |
Final monthly payment:
| $66.43 |
| |
|
Auction yield range:
| 4.27% - 17.00% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.86% | | |
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-1992 |
Debt/Income ratio:
| 49% |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 17
/
16 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 58 | Length of status: | 7y 7m |
|
Amount delinquent:
| $63 |
Revolving credit balance:
| $59,645 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 90% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| T-Bizzone |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Fixing my brakes
Purpose of loan:
Just need some cash to fix my brakes.?
My financial situation:
I am a good candidate for this loan because I pay my bills on time.? I do utilize a lot of credit but I have a great history of on time 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:
I see you have $63 Delinquent, could you explain that? Also, why so many Lines of Credit? - XayV03
A:
It is not deliquent. The first I knew about it is when it showed up here. capital one applied my payments since June to another account. It has since been corrected and if needed I can scan/fax you the letter they sent.
I know it is not the best but I am a heavy user of credit, that's why I have so many lines of credit open. Bill always paid on time though.
(Oct-15-2009)
Q:
I have had many brakes fixed in my life, where are you getting $2,000 brakes from? Are they hand made with African ivory and platinum? - jpblan11
A:
Brakes and new rotars
(Oct-18-2009)
Q:
are you currently on active duty? if so, what is your rank and ETS? - organic-platinum
A:
No I am a reservist. I was in the navy, I was a EA....Seabee. When my enlistment was up I re-enlisted in the Air Force and I am a reservist at McChord near Tacoma, WA.
(Oct-18-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Unitas4302 | $50.00 | $50.00 | 10/8/2009 6:55:00 AM |
| Ven58 | $25.00 | $25.00 | 10/13/2009 4:58:53 PM |
| JerryB96 | $25.00 | $25.00 | 10/15/2009 8:04:49 PM |
| JTHarris | $100.00 | $100.00 | 10/16/2009 7:03:19 AM |
| BipedalHominid | $25.00 | $25.00 | 10/17/2009 4:56:20 PM |
| rinyt | $30.00 | $30.00 | 10/17/2009 12:03:57 PM |
| gjm6d | $55.00 | $55.00 | 10/17/2009 4:36:47 PM |
| Floridagirl | $50.00 | $50.00 | 10/18/2009 9:30:41 AM |
| building_community | $50.00 | $50.00 | 10/17/2009 8:34:26 PM |
| outofoffice | $75.00 | $75.00 | 10/18/2009 1:27:37 PM |
| PalmerTheEmbalmer | $50.00 | $50.00 | 10/18/2009 3:30:48 PM |
| Leshan | $50.00 | $50.00 | 10/19/2009 8:30:27 AM |
| mtquan | $25.00 | $25.00 | 10/19/2009 5:36:45 AM |
| Halos2002 | $50.00 | $50.00 | 10/19/2009 8:21:14 AM |
| rcs2003 | $34.54 | $34.54 | 10/19/2009 9:18:24 AM |
| jcquiroz | $68.24 | $68.24 | 10/19/2009 11:52:08 AM |
| thoughtful-community7 | $25.00 | $25.00 | 10/19/2009 12:45:44 PM |
| ccapital | $100.00 | $100.00 | 10/19/2009 1:25:55 PM |
| nurat | $46.66 | $46.66 | 10/19/2009 2:45:06 PM |
| understanding-integrity4 | $50.00 | $50.00 | 10/19/2009 3:52:26 PM |
| Byrd24 | $58.15 | $58.15 | 10/19/2009 4:05:04 PM |
| GO4NY23 | $50.00 | $50.00 | 10/19/2009 4:10:49 PM |
| Stavros | $30.00 | $19.17 | 10/8/2009 9:36:28 AM |
| drkosh | $25.00 | $25.00 | 10/14/2009 5:53:56 PM |
| gslinv | $38.44 | $38.44 | 10/16/2009 11:33:04 AM |
| Light_Verity | $200.00 | $200.00 | 10/16/2009 6:04:08 PM |
| elloboverde | $50.00 | $50.00 | 10/17/2009 12:10:15 AM |
| Groggy | $25.00 | $25.00 | 10/18/2009 9:49:53 AM |
| Maggie3 | $25.30 | $25.30 | 10/18/2009 5:07:57 AM |
| bigmacbeef | $49.50 | $49.50 | 10/18/2009 6:07:46 AM |
| Makemony | $50.00 | $50.00 | 10/18/2009 6:57:55 AM |
| oldman68 | $25.00 | $25.00 | 10/18/2009 6:21:36 PM |
| jybank | $25.00 | $25.00 | 10/19/2009 9:28:03 AM |
| kf88 | $25.00 | $25.00 | 10/19/2009 9:13:02 AM |
| mobius_titan | $25.00 | $25.00 | 10/19/2009 9:49:44 AM |
| heeeley | $25.00 | $25.00 | 10/19/2009 10:15:36 AM |
| fulfilling-commitment | $50.00 | $50.00 | 10/19/2009 3:22:47 PM |
| jayk63 | $25.00 | $25.00 | 10/19/2009 2:32:41 PM |
| kander80 | $25.00 | $25.00 | 10/19/2009 2:52:59 PM |
| brightest-economy-tsunami | $75.00 | $75.00 | 10/19/2009 3:48:25 PM |
| organic-platinum | $25.00 | $25.00 | 10/19/2009 3:50:15 PM |
| nikkky2000 | $100.00 | $100.00 | 10/19/2009 4:13:32 PM |
| 42 bids
|
Borrower Payment Dependent Notes Series
426888
This series of Notes was issued and sold upon the funding of the borrower loan #39020, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 26.94% |
Final borrower rate/APR:
| 27.94% / 30.29% |
Final monthly payment:
| $82.66 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 15.93% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.01% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Mar-1986 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 620-640 (Sep-2009) |
Current / open credit lines:
| 8
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 62 | Length of status: | 31y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,168 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 20% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| lexie2001 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(Jul-2008)
|
|
Principal balance:
| $1,641.67 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Relist-2nd Prosper, NEVER LATE
Purpose of loan: I am turning to Prosper one more time seeking a loan to help me get from a high interest loan and payday loan needed to pay some medical expenses that weren?t covered by my insurance and one final payment to the lawyer to remove the temporary status from my husband?s green card. He finally has his 10-yr green card and will apply for citizenship in a year. I would prefer to restructure these loans to make it more affordable and to allow me to pay them off much faster and build my savings. My financial situation: I am a good candidate for this loan because? I?ve had a stable job for over 30 years at the same university with no threat of layoff. I obtained my 1st Prosper loan in 2008 to pay off lawyer expenses and a remodeling contract. I have made 13 payments and never been late! I declared Chapter 7 bankruptcy two years ago because I had to pay out almost $60,000 in lawyer fees and other expenses for my husband?s immigration process and visitation of his two boys. I did reaffirm some of my debt and since that time I have not been delinquent on any payments. I have gained better control of my finances and have worked to improve my credit. Although Prosper grades me @ ?E? my actual FICO is 671 with Experian and the 4 delinquencies need to be removed as they were included in the bankruptcy.
I ask the lenders at Prosper to trust in me once again and enable me to keep my financial situation under control. Please feel free to ask me question and see my profile for more information. Thank you for your consideration.
Monthly net income: $4700
Monthly expenses: $2965??
? Housing: $?475 (husband pays half)
??Insurance: $150
??Car expenses: $700?
??Utilities: $0 ($300 husband pays)
??Phone, cable, internet: $200?
??Food, entertainment: $ 400
??Clothing, household expenses $100
??Debt service: $ 740 (Prosper loan reduce?to $400)
??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
Q:
This loan will be applied to payday and credit cards, what are the rates you are paying as the current 34% yield on this loan is rather high. - jpblan11
A:
I am sorry I did not answer this question sooner. The rates I am paying are outrageous. The APR's are 108.25% and 168.26%. I needed the funds quickly and these were the only loans I could get with such a short turnaround. The lawyer and processing fees for my husband's immigration process were higher than originally forecasted. I also needed some medical tests that my insurance would not reimburse. I should have used Prosper but didn't know I could apply for a 2nd loan until recently.
(Oct-17-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| SmallTown5 | $25.00 | $25.00 | 10/7/2009 3:56:13 AM |
| Prezotus | $25.00 | $25.00 | 10/13/2009 4:15:05 PM |
| Chrishu | $25.00 | $25.00 | 10/16/2009 8:02:26 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/16/2009 3:46:49 PM |
| mark1017-31 | $30.80 | $30.80 | 10/16/2009 7:14:03 PM |
| spiff666 | $25.00 | $25.00 | 10/17/2009 8:28:56 AM |
| mauge35 | $27.82 | $27.82 | 10/17/2009 6:33:31 AM |
| Kash2010lu | $25.00 | $25.00 | 10/17/2009 8:52:29 AM |
| soilchem | $25.00 | $25.00 | 10/17/2009 1:27:04 PM |
| lscott | $75.00 | $75.00 | 10/18/2009 11:19:23 AM |
| randsenterprise | $25.00 | $25.00 | 10/19/2009 6:15:53 AM |
| wyogirllender | $25.00 | $25.00 | 10/19/2009 12:18:18 PM |
| beans53 | $25.00 | $25.00 | 10/19/2009 10:21:53 AM |
| LA-Funding-Bank | $25.00 | $25.00 | 10/19/2009 12:44:11 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/19/2009 12:55:53 PM |
| trainu | $63.29 | $63.29 | 10/19/2009 2:02:44 PM |
| EliteCapital | $25.00 | $25.00 | 10/19/2009 3:14:20 PM |
| DMKAssetManagement | $100.00 | $100.00 | 10/19/2009 2:56:49 PM |
| gluon | $25.00 | $25.00 | 10/19/2009 3:50:14 PM |
| bid-strawberry | $50.00 | $50.00 | 10/19/2009 3:42:36 PM |
| investment-visionary | $25.00 | $25.00 | 10/19/2009 3:59:57 PM |
| reflective-rupee | $25.00 | $25.00 | 10/19/2009 4:04:25 PM |
| benrice | $25.00 | $25.00 | 10/19/2009 4:09:01 PM |
| careful-wealth | $25.00 | $25.00 | 10/19/2009 4:11:03 PM |
| marwadi-62 | $25.00 | $25.00 | 10/16/2009 11:02:30 AM |
| Credit2Prosper | $25.00 | $25.00 | 10/16/2009 11:41:46 AM |
| investment-cluster | $25.00 | $25.00 | 10/16/2009 4:43:03 PM |
| mwb | $25.00 | $25.00 | 10/16/2009 6:36:26 PM |
| LeoBUSIIT | $25.00 | $25.00 | 10/18/2009 1:19:05 PM |
| llennoc | $25.00 | $25.00 | 10/18/2009 3:45:50 PM |
| BlackFred | $25.00 | $25.00 | 10/18/2009 11:04:27 PM |
| jcw3rd | $25.00 | $25.00 | 10/19/2009 6:47:04 AM |
| _SriBank_ | $200.00 | $200.00 | 10/19/2009 3:31:39 AM |
| fiserve4u | $50.00 | $50.00 | 10/19/2009 8:26:59 AM |
| Leshan | $75.00 | $75.00 | 10/19/2009 8:33:52 AM |
| currency-bumblebee | $50.00 | $50.00 | 10/19/2009 10:32:39 AM |
| CMDCO | $50.00 | $50.00 | 10/19/2009 11:30:02 AM |
| carrinel | $40.00 | $40.00 | 10/19/2009 12:47:17 PM |
| martymaniaman | $25.00 | $25.00 | 10/19/2009 1:03:40 PM |
| Astyanax | $25.00 | $25.00 | 10/19/2009 1:35:11 PM |
| dstolars | $25.00 | $25.00 | 10/19/2009 3:52:36 PM |
| MoneyForNothing | $25.00 | $25.00 | 10/19/2009 2:09:06 PM |
| srfb973 | $50.00 | $50.00 | 10/19/2009 3:36:41 PM |
| just-trade0 | $25.00 | $25.00 | 10/19/2009 3:45:43 PM |
| babybrother | $25.00 | $12.30 | 10/19/2009 3:48:57 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/19/2009 3:51:18 PM |
| gold-cluster | $100.00 | $100.00 | 10/19/2009 4:05:01 PM |
| reflective-rupee | $100.00 | $100.00 | 10/19/2009 3:59:19 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/19/2009 4:04:08 PM |
| epic-payout | $100.79 | $100.79 | 10/19/2009 4:12:05 PM |
| 50 bids
|
Borrower Payment Dependent Notes Series
427052
This series of Notes was issued and sold upon the funding of the borrower loan #39007, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $148.58 |
|
Final lender yield:
| 15.89% |
Final borrower rate/APR:
| 16.89% / 19.09% |
Final monthly payment:
| $124.59 |
| |
|
Auction yield range:
| 6.27% - 29.00% |
Estimated loss impact:
| 5.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 760-780 (Sep-2009) |
Current / open credit lines:
| 20
/
18 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 36 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $66,254 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 27% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| Thrifty |
Borrower's state:
| Alabama |
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:
| 5 ( 100% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 760-780
(May-2009)
780-800
(Nov-2006)
760-780
(Jul-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 5 | | |
Description
Purchasing a Rental Property
Thanks for looking at my listing.? I have been a Prosper member since summer 2006, having borrowed (and repaid the loan) and invested in other loan requests.? I attended both Prosper Days conferences and am hoping I will have the ability to loan money again (I live in Alabama and Prosper is seeking approval to allow me to lend once again) some day soon.
I would like to borrow $3,500 to purchase a rental property.? I previously requested $18,000 but was not satisfied with the results and with Prosper's treatment of my request.? I have stellar credit and cannot believe how low my Prosper rating was.? I will take the $14,500 difference from my emergency funds.? Not something I want to do, but I am willing to do so.
The purchase price of the home is just under $160,000 and I am paying with cash.? However, I am just a bit short.? The house is new construction (http://www.drhorton.com/corp/GetCommunity.do?dv=45&pr=44240) in Calera, AL, the fastest growing city in the fastest growing county in Alabama. I already have a 7 year signed lease agreement for this property.? I have personally known the tenants for about 20 years (since the 6th grade) and they have been renting from me in another house since May, 2006.? The husband has taken a new job and currently has a 2 hour commute, which is why they would like to move.? They also have added to the family since they first rented from me and need a bigger place.
I am charging $1,436 per month in the first year, with a 3% increase each year.? The mother-in-law is retired and has moved in with the family and will be contributing $500 per month towards this rent amount.? The husband earns $55,000 plus monthly bonuses.? His car is paid for and as far as I know the only other obligations he currently has are student loans.
I currently own 6 rental properties (this will be my 7th) and my primary residence.? Four of those properties are owned outright.? After paying mortgages on the other two properties, plus taxes, insurance and HOA dues, I net about $2,400 per month before adding the income I will be receiving with this property.? Please keep in mind that I am not taking out a mortgage on this home, so the majority of the rent is cash flow for me.? I also have a day job, but my debt-to-income ratio would be skewed since I owe mortgage debt on a total of 3 properties.
As far as risk, well, I have never, ever paid anything late (not even by a couple days past the due date!).? I think people who do not pay their bills should be charged CRIMINALLY for THEFT.? But since this isn't the case, you'll just have to understand my word is my bond.? I opened my first credit card 14 years ago and to date have NEVER missed a payment on any obligation.
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. You write that you never have missed a payment, yet you had a drop in your credit score (albeit a minimal drop). Why is that? Thanks. - lend4life13
A:
This drop of 20 pts reflects my credit score change since Nov. 2006. Since then, I purchased a new personal residence with a mortgage (20% down), a rental property with a mortgage (again, I made a 20% down payment), and I opened a HELOC in order to rehab a rental property. In the past I have made extra principal payments against these mortgages
Though my amt. of debt has increased, my cash flow has increased due to the spread between what I charge for rent and my actual carrying cost.
(Oct-09-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| hellasow | $25.00 | $25.00 | 10/7/2009 7:27:32 PM |
| dudebrah | $100.00 | $100.00 | 10/12/2009 1:19:37 PM |
| Jinja | $25.18 | $25.18 | 10/12/2009 2:26:50 PM |
| JTHarris | $75.00 | $75.00 | 10/13/2009 9:49:31 AM |
| tcpfan | $25.00 | $25.00 | 10/14/2009 4:13:02 PM |
| G-Love | $100.00 | $100.00 | 10/15/2009 6:50:30 PM |
| Byrd24 | $100.00 | $100.00 | 10/16/2009 6:56:18 PM |
| Karma_Strong | $198.46 | $198.46 | 10/16/2009 6:42:07 PM |
| peb44 | $37.44 | $37.44 | 10/17/2009 4:19:15 AM |
| Kash2010lu | $25.00 | $25.00 | 10/17/2009 8:41:20 AM |
| LoanDMC | $25.00 | $25.00 | 10/17/2009 11:08:02 AM |
| building_community | $500.00 | $500.00 | 10/17/2009 9:13:19 PM |
| sknop64 | $25.00 | $25.00 | 10/17/2009 9:36:09 PM |
| LoanDMC | $25.00 | $25.00 | 10/18/2009 1:58:08 PM |
| loanasauras | $25.00 | $25.00 | 10/18/2009 6:01:22 PM |
| the-problem-solver | $125.00 | $125.00 | 10/18/2009 9:42:45 AM |
| nyran20 | $25.00 | $25.00 | 10/18/2009 1:58:28 PM |
| sc-pjb11 | $50.00 | $50.00 | 10/19/2009 2:06:19 AM |
| nashibaksi | $25.00 | $25.00 | 10/18/2009 6:09:37 PM |
| lefty756 | $25.00 | $25.00 | 10/19/2009 8:11:21 AM |
| SS123 | $25.00 | $25.00 | 10/19/2009 7:57:00 AM |
| roguewinner | $46.05 | $46.05 | 10/19/2009 11:13:09 AM |
| PotBellyPete | $50.00 | $50.00 | 10/19/2009 11:36:16 AM |
| jcquiroz | $50.00 | $50.00 | 10/19/2009 11:46:27 AM |
| plant_a_seed | $50.00 | $50.00 | 10/19/2009 10:04:11 AM |
| MStackIV | $51.98 | $51.98 | 10/19/2009 12:10:14 PM |
| medman | $275.35 | $275.35 | 10/19/2009 1:00:48 PM |
| credit-missile | $50.00 | $50.00 | 10/19/2009 1:05:01 PM |
| coldfuzion | $33.29 | $33.29 | 10/19/2009 1:09:42 PM |
| mystss | $50.00 | $50.00 | 10/19/2009 1:44:59 PM |
| Astyanax | $25.00 | $25.00 | 10/19/2009 2:04:38 PM |
| jybank | $50.00 | $50.00 | 10/19/2009 3:24:41 PM |
| gjm6d | $39.80 | $39.80 | 10/19/2009 4:16:55 PM |
| brightest-economy-tsunami | $50.00 | $50.00 | 10/19/2009 4:02:40 PM |
| Independenceday | $25.00 | $25.00 | 10/5/2009 4:55:21 PM |
| KMSB | $25.00 | $25.00 | 10/6/2009 2:34:02 PM |
| loanman2007 | $100.00 | $100.00 | 10/11/2009 4:57:57 PM |
| LendAHand24 | $25.00 | $25.00 | 10/14/2009 11:31:44 AM |
| ronin4sale | $25.00 | $25.00 | 10/14/2009 11:55:58 AM |
| Ven58 | $25.00 | $25.00 | 10/14/2009 5:49:17 PM |
| cougarltg | $70.00 | $70.00 | 10/14/2009 5:48:19 PM |
| reflective-rupee | $25.00 | $25.00 | 10/16/2009 7:42:00 PM |
| PropertyInvest | $25.00 | $25.00 | 10/17/2009 6:45:17 AM |
| Chrishu | $25.00 | $25.00 | 10/17/2009 1:49:53 PM |
| Mowine4me | $25.00 | $25.00 | 10/17/2009 6:11:29 PM |
| slicrad | $25.00 | $25.00 | 10/17/2009 5:44:23 PM |
| gilbrear | $25.00 | $25.00 | 10/18/2009 6:31:54 PM |
| atlas100 | $50.00 | $50.00 | 10/18/2009 1:15:19 PM |
| plbquic | $25.00 | $25.00 | 10/18/2009 1:24:05 PM |
| justanothersushieater | $25.00 | $25.00 | 10/18/2009 3:03:35 PM |
| erowis | $25.00 | $25.00 | 10/18/2009 3:24:42 PM |
| hope-eagle6 | $25.00 | $25.00 | 10/18/2009 11:41:55 PM |
| sunsetlending | $25.00 | $25.00 | 10/19/2009 5:20:41 AM |
| Leshan | $50.00 | $50.00 | 10/19/2009 8:46:04 AM |
| lean-investment | $50.00 | $50.00 | 10/19/2009 9:10:15 AM |
| ColoradoLender82 | $25.00 | $25.00 | 10/19/2009 11:13:05 AM |
| Johnab | $25.00 | $25.00 | 10/19/2009 11:18:41 AM |
| sugybutt | $56.74 | $56.74 | 10/19/2009 9:54:21 AM |
| rockhound84 | $25.00 | $25.00 | 10/19/2009 11:20:12 AM |
| generous-deal6 | $75.00 | $75.00 | 10/19/2009 2:08:22 PM |
| reflective-rupee | $75.00 | $75.00 | 10/19/2009 4:02:57 PM |
| frangil962 | $25.00 | $25.00 | 10/19/2009 3:42:27 PM |
| Mizer_Investments | $56.20 | $15.71 | 10/19/2009 4:09:00 PM |
| credit-missile | $50.00 | $50.00 | 10/19/2009 4:13:53 PM |
| 64 bids
|
Borrower Payment Dependent Notes Series
427818
This series of Notes was issued and sold upon the funding of the borrower loan #39026, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,200.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-20-2009 |
|
|
Starting lender yield:
| 26.47% |
Starting borrower rate/APR:
| 27.47% / 29.81% |
Starting monthly payment:
| $131.45 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $129.53 |
| |
|
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:
| 8 |
First credit line:
| Jan-2008 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-700 (Oct-2009) |
Current / open credit lines:
| 2
/
2 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 2 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $583 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 35% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| powerful-loyalty |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
year-end expenses
Purpose of loan:
This loan will be used to?
make some end-year expenses (decorating, buy appliances, and other necesary things),
?i want to get The day after Thanksgiving offers
My financial situation:
I am a good candidate for this loan because?
i have no late payments in my
credit history.
You will be 100% guarantee
?? -Next april, i will be refunded from IRS about 4000.00, but now is the best moment to buy the???
??? things i need, i cant wait and loose specials offers
?? -I have a savings account with 11500.00
?? -I would like to continue constructing my credit history and score
?? -I have no other debts like home or car
?? -I will establish an automatic payment from my checking account
Monthly net income: $
1760.00 (+ 1182 my wife)=2942.00 with well established
jobs
Monthly expenses: $
Rent:????????????????????????????????????????????????????? ? ? 825.00
Laundry:??????????????????????????????????????????????????? ?? 50.00
utilities:???????????????????????????????????????????????? ? ?? 100.00
after scool:?????????????????????????????????????????????? ? 144.00
Auto insurance:????????????????????????????????????????? 120.00
Food, and others like cleaning products, oil:? 500.00
kids insurance:?????????????????????????????????????????? 295.00
Phones:?????????????????????????????????????????????????????? 90.00
Internet:?????????????????????????????????????????????????? ? ? 90.00
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 give us some more information on you and your wives jobs? Also with 11500 in savings wouldn't you be better off taking the money from there (drawing very little interest) than taking out a loan?
Thanks and good luck. - Hawkeyebank
A:
About my job, i work in a frigth forwarder that is well established, because supply 2 big colombian technology import companys, we have a lot of job, the company hire 1 more full time people this week.
The principal reason to take a loan is that it will be good to my credit history and credit score, the interest that i going to pay will be the cost to get a big credit score, maybe in a year, my credit score will grow up to 40 or 60 more points, in this moment i want not buy a house or ca
(Oct-15-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| zone8 | $100.00 | $100.00 | 10/13/2009 9:46:16 AM |
| visionary-currency | $25.00 | $25.00 | 10/13/2009 9:49:31 AM |
| spitzbergen | $25.00 | $25.00 | 10/13/2009 9:50:00 AM |
| thedreamer | $25.00 | $25.00 | 10/13/2009 9:52:59 AM |
| CarDealer3070 | $30.00 | $30.00 | 10/13/2009 9:53:06 AM |
| Rogelio48 | $25.00 | $25.00 | 10/13/2009 9:54:23 AM |
| GMPK_TLAS | $25.00 | $25.00 | 10/13/2009 9:50:51 AM |
| birddogsb | $50.00 | $50.00 | 10/13/2009 9:52:55 AM |
| Havana21 | $50.00 | $50.00 | 10/13/2009 9:53:23 AM |
| Dreams4Cash | $25.00 | $25.00 | 10/13/2009 9:53:36 AM |
| inforapenny | $25.00 | $25.00 | 10/13/2009 2:39:04 PM |
| reciprocate | $200.00 | $200.00 | 10/13/2009 2:31:19 PM |
| bartenderpro | $25.00 | $25.00 | 10/14/2009 3:01:13 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/15/2009 5:56:45 AM |
| bid-strawberry | $50.00 | $50.00 | 10/15/2009 6:28:26 AM |
| farchoir | $25.00 | $25.00 | 10/15/2009 10:39:37 AM |
| smashrevival | $25.00 | $25.00 | 10/15/2009 2:10:18 PM |
| marwadi-62 | $25.00 | $25.00 | 10/15/2009 4:39:57 PM |
| mgcby | $50.00 | $50.00 | 10/16/2009 7:18:39 AM |
| scroooge | $25.00 | $25.00 | 10/16/2009 3:37:22 PM |
| finance-vault | $25.00 | $25.00 | 10/17/2009 2:54:24 PM |
| dtxpoochie | $100.00 | $100.00 | 10/17/2009 8:10:44 PM |
| lscott | $75.00 | $75.00 | 10/18/2009 11:19:52 AM |
| bid-papyrus | $25.00 | $25.00 | 10/18/2009 6:56:12 PM |
| bill-expert | $100.00 | $100.00 | 10/19/2009 10:56:25 AM |
| Nicksr | $50.00 | $50.00 | 10/19/2009 10:10:50 AM |
| dudebrah | $25.00 | $25.00 | 10/19/2009 1:27:24 PM |
| crazybill | $25.00 | $25.00 | 10/19/2009 2:21:02 PM |
| deepblue34 | $25.00 | $25.00 | 10/19/2009 3:41:34 PM |
| gabrielcharlie | $35.72 | $35.72 | 10/19/2009 3:01:04 PM |
| thrilling-transaction1 | $25.00 | $25.00 | 10/19/2009 4:24:52 PM |
| des_strm_vet | $25.00 | $25.00 | 10/19/2009 5:08:47 PM |
| justice-officer | $25.00 | $25.00 | 10/19/2009 5:28:10 PM |
| momoney2lend | $25.00 | $25.00 | 10/19/2009 8:23:10 PM |
| forthright-durability | $25.00 | $25.00 | 10/19/2009 9:41:15 PM |
| alvinsl | $25.00 | $25.00 | 10/20/2009 4:43:25 AM |
| p2p-journey | $75.00 | $75.00 | 10/19/2009 10:56:50 PM |
| ayiticheri | $25.00 | $25.00 | 10/20/2009 2:54:27 AM |
| autoconnection | $25.00 | $25.00 | 10/20/2009 4:19:09 AM |
| jrcctexas25 | $25.00 | $25.00 | 10/20/2009 5:55:29 AM |
| Firescreek | $25.00 | $25.00 | 10/20/2009 6:05:42 AM |
| capital-galaxy | $65.00 | $65.00 | 10/20/2009 9:02:24 AM |
| ezvest | $25.00 | $25.00 | 10/20/2009 6:52:24 AM |
| NekHoldings | $25.00 | $25.00 | 10/20/2009 6:56:04 AM |
| sorace | $25.00 | $25.00 | 10/20/2009 7:00:28 AM |
| Bill88 | $30.00 | $30.00 | 10/20/2009 9:38:47 AM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/20/2009 9:24:27 AM |
| snoopey100 | $25.00 | $25.00 | 10/13/2009 9:48:58 AM |
| anton | $25.00 | $25.00 | 10/13/2009 9:50:59 AM |
| delivery | $25.00 | $25.00 | 10/13/2009 9:50:31 AM |
| tsquared_030 | $25.00 | $25.00 | 10/13/2009 9:52:01 AM |
| louisianalender | $100.00 | $100.00 | 10/13/2009 9:51:14 AM |
| fcb202 | $25.00 | $25.00 | 10/13/2009 9:51:40 AM |
| honorable-yield | $25.00 | $25.00 | 10/13/2009 9:51:48 AM |
| Artist_Blue | $25.00 | $25.00 | 10/13/2009 9:53:42 AM |
| unclejaef | $25.00 | $11.13 | 10/13/2009 9:55:08 AM |
| SNH | $50.00 | $50.00 | 10/13/2009 9:49:12 AM |
| personal-lender | $25.00 | $25.00 | 10/13/2009 9:49:40 AM |
| secobarbital | $25.00 | $25.00 | 10/13/2009 9:50:17 AM |
| wildguy | $25.00 | $25.00 | 10/13/2009 9:52:18 AM |
| zento | $25.00 | $25.00 | 10/13/2009 10:25:18 AM |
| LarWit1512 | $25.00 | $25.00 | 10/14/2009 2:16:23 PM |
| interest-taiko | $25.00 | $25.00 | 10/14/2009 2:52:45 PM |
| cippy | $100.00 | $100.00 | 10/14/2009 6:26:10 PM |
| umphtydunkie | $100.00 | $100.00 | 10/14/2009 8:35:59 PM |
| brilliant-balance | $25.00 | $25.00 | 10/16/2009 7:34:26 AM |
| foothillender | $25.00 | $25.00 | 10/16/2009 8:01:19 AM |
| mercuriant | $25.00 | $25.00 | 10/16/2009 9:32:05 AM |
| hglrfdom | $25.00 | $25.00 | 10/16/2009 11:44:30 AM |
| Thunder08 | $25.00 | $25.00 | 10/16/2009 1:50:41 PM |
| JTHarris | $50.00 | $50.00 | 10/16/2009 3:57:24 PM |
| hellasow | $25.00 | $25.00 | 10/17/2009 12:15:08 PM |
| ajk_blue | $25.00 | $25.00 | 10/18/2009 6:21:09 AM |
| PotBellyPete | $50.00 | $50.00 | 10/19/2009 11:39:19 AM |
| The_Loaner | $25.00 | $25.00 | 10/19/2009 4:21:46 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/19/2009 4:12:20 PM |
| intelligent-yield | $25.00 | $25.00 | 10/19/2009 4:22:26 PM |
| wowlender | $25.00 | $25.00 | 10/19/2009 4:41:39 PM |
| dough-shooter | $93.68 | $93.68 | 10/19/2009 10:55:14 PM |
| glazeddonuts | $34.47 | $34.47 | 10/20/2009 12:37:48 AM |
| unixx | $50.00 | $50.00 | 10/20/2009 5:04:25 AM |
| authentic-peace7 | $25.00 | $25.00 | 10/20/2009 6:46:42 AM |
| PeePaw | $25.00 | $25.00 | 10/20/2009 7:40:48 AM |
| Tikibarman | $50.00 | $50.00 | 10/20/2009 9:06:49 AM |
| 84 bids
|
Borrower Payment Dependent Notes Series
427830
This series of Notes was issued and sold upon the funding of the borrower loan #39025, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-20-2009 |
|
|
Starting lender yield:
| 22.77% |
Starting borrower rate/APR:
| 23.77% / 26.06% |
Starting monthly payment:
| $117.34 |
|
Final lender yield:
| 20.10% |
Final borrower rate/APR:
| 21.10% / 23.35% |
Final monthly payment:
| $113.18 |
| |
|
Auction yield range:
| 8.27% - 22.77% |
Estimated loss impact:
| 8.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.63% | | |
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-1998 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 700-720 (Oct-2009) |
Current / open credit lines:
| 11
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,452 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 42% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| liberty-linkage |
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.
Description
Financing an engagement ring
Purpose of loan:
This loan will be used to finance an engagement ring for my (soon to be) fiance.? We picked out the perfect ring this weekend!
My financial situation:
I am a good candidate for this loan because I have monthly disposable income on the order of $1500 per month.? We're planning for a wedding in the spring of 2010, so I'm seeking to finance the engagement ring so as not to be in a cash flow crunch with other wedding expenses that will be paid out of pocket.? Financing available through the jeweler has rather unattractive terms, so that is why I have decided to try Prosper.? I am a homeowner with a solid credit history dating back approximately 11 years.?
Monthly net income: $
4800
Monthly expenses: $
??Housing: $
1320
??Insurance: $
60
??Car expenses: $
50
??Utilities: $
150
??Phone, cable, internet: $
170
??Food, entertainment: $ 500
??Clothing, household expenses $
250
??Credit cards and other loans: $ 600
??Other expenses: $ 300
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) |
|
| wildguy | $25.00 | $25.00 | 10/13/2009 9:46:24 AM |
| conqueror359 | $50.00 | $50.00 | 10/13/2009 10:17:35 AM |
| robot777 | $40.00 | $40.00 | 10/13/2009 10:29:56 AM |
| Duckman_Dot_Com | $25.00 | $25.00 | 10/13/2009 7:12:03 PM |
| Top_Gun_Lender | $41.00 | $41.00 | 10/14/2009 4:56:21 AM |
| reliant | $25.00 | $25.00 | 10/14/2009 2:13:34 PM |
| tnjohnso | $25.00 | $25.00 | 10/14/2009 10:09:04 PM |
| LarryNY | $25.00 | $25.00 | 10/16/2009 9:06:51 AM |
| JRockdown | $25.00 | $25.00 | 10/16/2009 3:23:09 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 10/16/2009 6:12:49 PM |
| cash-daisy | $40.00 | $40.00 | 10/18/2009 9:36:28 AM |
| building_community | $100.00 | $100.00 | 10/17/2009 9:12:23 PM |
| EretzCapital | $100.00 | $100.00 | 10/18/2009 6:13:54 PM |
| Gobsek | $25.00 | $25.00 | 10/18/2009 11:05:11 AM |
| generous-deal6 | $50.00 | $50.00 | 10/18/2009 9:54:13 PM |
| JauaFlash | $25.00 | $25.00 | 10/19/2009 9:42:12 AM |
| mystss | $50.00 | $50.00 | 10/19/2009 1:52:44 PM |
| beachfunder | $25.00 | $25.00 | 10/19/2009 3:53:11 PM |
| thrilling-transaction1 | $25.00 | $25.00 | 10/19/2009 4:24:52 PM |
| jybank | $25.00 | $25.00 | 10/19/2009 4:20:14 PM |
| hglrfdom | $25.00 | $25.00 | 10/19/2009 4:21:22 PM |
| treasure-transporter | $100.00 | $100.00 | 10/19/2009 6:09:22 PM |
| sharp-credit | $100.00 | $100.00 | 10/19/2009 7:01:47 PM |
| Stingray8a | $25.00 | $25.00 | 10/19/2009 6:39:07 PM |
| LendingHelper | $150.00 | $150.00 | 10/19/2009 8:45:12 PM |
| forthright-durability | $50.00 | $50.00 | 10/19/2009 9:42:25 PM |
| piscary | $50.00 | $50.00 | 10/20/2009 12:16:02 AM |
| Champ3295 | $25.00 | $25.00 | 10/20/2009 8:01:35 AM |
| OGS_Capital | $25.00 | $25.00 | 10/20/2009 4:28:00 AM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/20/2009 9:25:57 AM |
| money-expert | $25.00 | $25.00 | 10/20/2009 6:37:18 AM |
| Orringo | $50.00 | $50.00 | 10/20/2009 9:35:37 AM |
| zento | $25.00 | $25.00 | 10/13/2009 10:25:17 AM |
| Tai | $25.00 | $25.00 | 10/13/2009 10:32:40 AM |
| bid-wonder | $25.00 | $25.00 | 10/13/2009 10:30:52 AM |
| twjh | $25.00 | $25.00 | 10/13/2009 10:34:31 AM |
| Bigsaver | $25.00 | $25.00 | 10/14/2009 9:23:41 AM |
| reflective-rupee | $25.00 | $25.00 | 10/14/2009 1:07:49 PM |
| marwadi-62 | $50.00 | $50.00 | 10/15/2009 4:34:19 PM |
| RyanSinn | $25.00 | $25.00 | 10/15/2009 3:58:29 PM |
| Syzygy | $25.00 | $25.00 | 10/15/2009 6:38:15 PM |
| brilliant-balance | $25.00 | $25.00 | 10/16/2009 7:37:39 AM |
| mercuriant | $25.00 | $25.00 | 10/16/2009 9:32:06 AM |
| JTHarris | $50.00 | $50.00 | 10/18/2009 8:52:16 AM |
| gothampark | $25.00 | $25.00 | 10/18/2009 4:20:30 PM |
| bitano | $53.46 | $53.46 | 10/19/2009 7:51:30 AM |
| Brown98 | $25.00 | $25.00 | 10/18/2009 10:32:08 PM |
| buphigam | $25.00 | $25.00 | 10/19/2009 6:41:28 AM |
| Bank_Of_XL | $100.00 | $100.00 | 10/19/2009 7:01:17 AM |
| dudebrah | $25.00 | $25.00 | 10/19/2009 12:31:53 PM |
| BenR | $100.00 | $100.00 | 10/19/2009 11:58:07 AM |
| PotBellyPete | $50.00 | $50.00 | 10/19/2009 12:52:04 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/19/2009 4:13:42 PM |
| engbusres | $90.00 | $90.00 | 10/19/2009 4:32:36 PM |
| wwwUniversal | $25.00 | $25.00 | 10/19/2009 4:28:47 PM |
| SweatyBalls | $50.00 | $50.00 | 10/19/2009 6:25:19 PM |
| zone6 | $200.00 | $200.00 | 10/19/2009 4:39:16 PM |
| shark1234 | $25.00 | $25.00 | 10/19/2009 6:39:41 PM |
| tracyjo | $25.00 | $25.00 | 10/19/2009 6:46:55 PM |
| XayV03 | $100.00 | $100.00 | 10/19/2009 10:42:52 PM |
| nimble-revenue | $28.19 | $28.19 | 10/19/2009 10:46:29 PM |
| intelligent-yield | $25.00 | $25.00 | 10/19/2009 10:46:32 PM |
| OoM | $25.00 | $25.00 | 10/19/2009 10:50:42 PM |
| sorace | $50.00 | $50.00 | 10/20/2009 7:01:22 AM |
| loan-eagle9 | $25.00 | $25.00 | 10/20/2009 7:47:29 AM |
| Share-the-wealth | $100.00 | $100.00 | 10/20/2009 8:02:23 AM |
| buffalobills | $25.00 | $25.00 | 10/20/2009 8:08:30 AM |
| Bill88 | $40.00 | $7.35 | 10/20/2009 9:39:48 AM |
| 68 bids
|
Borrower Payment Dependent Notes Series
428032
This series of Notes was issued and sold upon the funding of the borrower loan #39023, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-20-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Mar-1983 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 600-620 (Sep-2009) |
Current / open credit lines:
| 30
/
28 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 42 | Length of status: | 30y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $37,052 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 92% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| mikeabc |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 56 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 600-620
(Feb-2008)
640-660
(Aug-2006)
|
|
Principal balance:
| $1,531.66 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 56 | | |
Description
debt colsolidation
This is my third Prosper loan . The first one has been paid in full and
on time. The second one is up to date and every payment has been paid
on time. I have been with Prosper for many years and by record of
payment is perfect.
I just got married recently and am looking for a
loan to pay off some debt. Due to the economic times, it would be very
helpful at this time to have this loan.
I'm a good candidate for
this loan, I've been a client for many years with a excellent record of
properly paying all my loans in a timely manner.
If you have any questions please don't hesitate to ask. Send them and i will respond
Thanks in advance for taking the time for reviewing my loan request and helping me.
Hi my name is Mike. i am requesting this loan to pay off some debt and reduce my monthly payments.
My income is? $8000.00 a month.
My monthly expenses are as follow:
Utilities $350.00
Credit Cards $1200.00
Groceries $250.00
Insurance $170.00
Car $480.00
Entertainment $150.00
Misc. $350.00
Rent $1000.00
After all expenses are paid, i have enough money left to repay this loan.
thanks in advance for taking the time to read my listing and helping me.
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 mikeabc-- could you comment on what the two inquiries in the last six months are about? Thanks and good luck with your listing. - bondhedger
A:
1 was about a car lease and the other a credit check
(Oct-19-2009)
Q:
you clear around $4000 a month and want to borrow $2000 @ 34%? Why?
see my page please. - Tono
A:
i have a debt that i really would like to pay off.
(Oct-20-2009)
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 | 10/13/2009 9:48:50 AM |
| RainyDayFunds | $25.00 | $25.00 | 10/16/2009 8:09:47 PM |
| reflective-rupee | $25.00 | $25.00 | 10/17/2009 6:27:28 PM |
| 101010 | $75.00 | $75.00 | 10/19/2009 7:46:10 AM |
| debtcollector | $50.00 | $50.00 | 10/18/2009 10:28:42 PM |
| gelt4u | $25.00 | $25.00 | 10/19/2009 9:34:08 AM |
| Credit2Prosper | $25.00 | $25.00 | 10/19/2009 4:23:06 PM |
| shawnw2 | $35.00 | $35.00 | 10/19/2009 4:24:56 PM |
| BrianJx | $26.23 | $26.23 | 10/19/2009 6:39:14 PM |
| bankbuddy55 | $25.00 | $25.00 | 10/19/2009 7:21:59 PM |
| 101010 | $25.00 | $25.00 | 10/19/2009 10:42:49 PM |
| 101010 | $25.00 | $25.00 | 10/19/2009 10:43:36 PM |
| kenL | $300.00 | $300.00 | 10/20/2009 7:45:49 AM |
| MoneyForNothing | $25.00 | $25.00 | 10/20/2009 6:49:53 AM |
| martymaniaman | $50.00 | $50.00 | 10/20/2009 6:20:22 AM |
| Gobsek | $25.00 | $25.00 | 10/20/2009 7:09:29 AM |
| Tammy102800 | $50.00 | $50.00 | 10/20/2009 9:26:07 AM |
| REFunding | $261.20 | $261.20 | 10/20/2009 8:45:48 AM |
| reflective-rupee | $50.00 | $50.00 | 10/20/2009 8:59:39 AM |
| reflective-rupee | $25.00 | $25.00 | 10/14/2009 9:27:07 PM |
| best-generosity-financier | $75.00 | $75.00 | 10/16/2009 4:18:32 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/17/2009 6:35:48 PM |
| Jasmel | $500.00 | $162.57 | 10/18/2009 6:33:53 PM |
| currency-bumblebee | $100.00 | $100.00 | 10/19/2009 10:49:18 AM |
| Jordan1123 | $25.00 | $25.00 | 10/19/2009 3:48:57 PM |
| Kash2010lu | $25.00 | $25.00 | 10/19/2009 7:01:29 PM |
| GlenBank | $75.00 | $75.00 | 10/19/2009 10:47:54 PM |
| Laxa | $25.00 | $25.00 | 10/20/2009 4:05:55 AM |
| money-expert | $25.00 | $25.00 | 10/20/2009 6:41:34 AM |
| gold-cluster | $100.00 | $100.00 | 10/20/2009 6:39:10 AM |
| loan-eagle9 | $25.00 | $25.00 | 10/20/2009 7:45:45 AM |
| Bill88 | $40.00 | $40.00 | 10/20/2009 9:41:42 AM |
| Sudoku | $100.00 | $100.00 | 10/20/2009 9:31:08 AM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/20/2009 9:33:07 AM |
| 34 bids
|
Borrower Payment Dependent Notes Series
428090
This series of Notes was issued and sold upon the funding of the borrower loan #39033, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-20-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.73% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 620-640 (Oct-2009) |
Current / open credit lines:
| 17
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 49 | Length of status: | 2y 1m |
|
Amount delinquent:
| $40 |
Revolving credit balance:
| $18,437 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 61% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| canamp |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 620-640 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < mo. late:
| 0
( 0% )
| 600-620
(Sep-2008)
|
|
Principal balance:
| $2,530.30 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Repair leaky pipes in the bathroom
Purpose of loan:
This loan will be used to? Pay for repairs to the plumbing in my bathroom.
My financial situation:
I am a good candidate for this loan because?
Because I have shown in the past I will pay my bills. I am thankful to Prosper for support in the past and will always honor that support with timely payment of my loans.
Monthly net income: $
5300
Monthly expenses: $
??Housing: $ 2535
??Insurance: $
??Car expenses: $
400
??Utilities: $
250
??Phone, cable, internet: $
170
??Food, entertainment: $
??Clothing, household expenses $
50
??Credit cards and other loans: $
350
??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:
Could you please explain your current and past delinquencies? thanks - reflective-rupee
A:
Thanks for your question. The past delinquencies came at a difficult financial time a few years ago when my family and I literally had to decide which bills to pay. Those were mostly Credit Card Bills and the monthly payments were steep. I have paid off most of those bills are now paid off. I am listed as having one delinquency now which was an oversight. That bill was slated to be direct debited starting a month ago but the funds were never deducted, The bill is now current
(Oct-15-2009)
Q:
see my page please. good luck - Tono
A:
Thanks for your advice. In the future I will do just that. Thanks to everyone for their assistance.
(Oct-20-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Thought | $51.50 | $51.50 | 10/13/2009 7:00:41 PM |
| Jasmel | $100.00 | $100.00 | 10/18/2009 6:35:52 PM |
| reflective-rupee | $750.00 | $750.00 | 10/19/2009 10:03:01 AM |
| currency-bumblebee | $50.00 | $50.00 | 10/19/2009 10:56:18 AM |
| well-mannered-income3 | $25.00 | $25.00 | 10/19/2009 5:06:09 PM |
| Kash2010lu | $25.00 | $25.00 | 10/19/2009 7:07:00 PM |
| balance-warrior | $25.00 | $25.00 | 10/19/2009 8:35:06 PM |
| reflective-rupee | $25.00 | $25.00 | 10/14/2009 9:29:42 PM |
| bid-strawberry | $75.00 | $75.00 | 10/19/2009 11:53:37 AM |
| Tono | $50.00 | $50.00 | 10/19/2009 3:45:15 PM |
| Credit2Prosper | $25.00 | $25.00 | 10/19/2009 4:42:15 PM |
| reflective-rupee | $200.00 | $198.50 | 10/20/2009 12:05:38 AM |
| GlenBank | $50.00 | $50.00 | 10/19/2009 10:48:53 PM |
| Student_Capital | $50.00 | $50.00 | 10/19/2009 11:37:31 PM |
| 14 bids
|
Borrower Payment Dependent Notes Series
428144
This series of Notes was issued and sold upon the funding of the borrower loan #39031, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-20-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 19.45% |
Final borrower rate/APR:
| 20.45% / 24.24% |
Final monthly payment:
| $37.39 |
| |
|
Auction yield range:
| 6.27% - 34.00% |
Estimated loss impact:
| 5.34% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.11% | | |
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:
| 8 |
First credit line:
| Sep-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 740-760 (Oct-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Self-employed |
|
Now delinquent:
| 2 |
Total credit lines:
| 37 | Length of status: | 8y 6m |
|
Amount delinquent:
| $62,259 |
Revolving credit balance:
| $43,643 |
Occupation: | Investor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 69% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 6 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| competent-integrity5 |
Borrower's state:
| Arizona |
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
Credit score enhancement
Purpose of loan:
This loan will be used to help strengthen my credit score.?
My financial situation:
I am a good candidate for this loan because I have always paid my bills on time.? I am a successful?investor?with my area of expertise being in the stock market.? I have logged capital gains in excess of $100k for four consecutive years.? I was divorced in 2007, and my ex-wife was awarded the marital home with a court order to get it refinanced (removing my name) within 60 days of the divorce being final.? She never got it refinanced and stopped making the payments.??My credit score got hit since my name was still on the mortgage loans.? The two delinquencies shown in my profile are the two mortgage loans on that home.?
I think it is very unfair that my credit reputation got tarnished because of her financial irresponsibility.??I hope by establishing a new loan and paying it off successfully, it will help?raise my credit score.
I don't need this loan, but am merely trying to enhance my credit rating.? I will pay this off early.
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) |
|
| Hogan55 | $150.00 | $150.00 | 10/13/2009 6:24:54 PM |
| OPEO | $50.00 | $50.00 | 10/15/2009 11:31:28 AM |
| Ven58 | $25.00 | $25.00 | 10/16/2009 12:26:54 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 10/18/2009 3:55:10 PM |
| IPG1 | $25.00 | $25.00 | 10/19/2009 4:46:39 AM |
| building_community | $25.00 | $25.00 | 10/19/2009 6:31:27 AM |
| erowis | $25.00 | $25.00 | 10/19/2009 6:58:36 PM |
| XayV03 | $50.00 | $50.00 | 10/19/2009 10:44:31 PM |
| reflective-rupee | $50.00 | $50.00 | 10/20/2009 9:00:45 AM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/20/2009 9:33:40 AM |
| balance-warrior | $25.00 | $25.00 | 10/20/2009 7:25:21 AM |
| justice-officer | $25.00 | $16.65 | 10/20/2009 9:43:35 AM |
| Halos2002 | $50.00 | $50.00 | 10/20/2009 8:27:59 AM |
| SDD123 | $25.00 | $25.00 | 10/13/2009 5:01:34 PM |
| csak13 | $50.00 | $50.00 | 10/14/2009 5:28:53 AM |
| ronin4sale | $25.00 | $25.00 | 10/14/2009 12:00:56 PM |
| sgmm330 | $25.00 | $25.00 | 10/17/2009 2:36:13 PM |
| SV-AZ | $25.00 | $25.00 | 10/18/2009 2:46:18 PM |
| poster177 | $51.29 | $51.29 | 10/19/2009 9:54:50 AM |
| jules3304 | $25.00 | $25.00 | 10/19/2009 7:01:31 PM |
| nashibaksi | $25.00 | $25.00 | 10/19/2009 7:13:34 PM |
| Jazzy503 | $25.00 | $25.00 | 10/19/2009 7:02:01 PM |
| BuzzyBee336 | $25.00 | $25.00 | 10/19/2009 10:12:10 PM |
| forthright-trade | $25.00 | $25.00 | 10/20/2009 8:24:29 AM |
| Num1Knicks | $25.00 | $25.00 | 10/20/2009 6:45:42 AM |
| Eric_Gagne | $50.00 | $50.00 | 10/20/2009 8:15:05 AM |
| Hummer-Guy | $27.06 | $27.06 | 10/20/2009 9:11:23 AM |
| UCSBGAUCHOS | $30.00 | $30.00 | 10/20/2009 9:43:08 AM |
| 28 bids
|
Borrower Payment Dependent Notes Series
428686
This series of Notes was issued and sold upon the funding of the borrower loan #39018, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Oct-15-2009 |
| |
Auction end date:
| Oct-17-2009 |
|
|
Starting lender yield:
| 23.98% |
Starting borrower rate/APR:
| 24.98% / 27.29% |
Starting monthly payment:
| $119.25 |
|
Final lender yield:
| 19.10% |
Final borrower rate/APR:
| 20.10% / 22.34% |
Final monthly payment:
| $111.64 |
| |
|
Auction yield range:
| 8.27% - 23.98% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.16% | | |
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-2006 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 680-700 (Oct-2009) |
Current / open credit lines:
| 10
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 9y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $9,039 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 72% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| liberty-force |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
This loan will be used to consolidated my debt
I am a good candidate for this loan because, I will pay it every month from my bank account and my monthly income allows me.
<<b>Monthly net income: $ 7,100
??Housing: $ 2,200
??Insurance: included in home mortgage
??Car expenses: company car, i have no expenses for the car
??Utilities: $ 220
??Phone, cable, internet: $200
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $1000
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:
Since, you are paying $1000 towards Credit card, then you CC debt should pay off in 6-months (after paying off 3k from Prosper loan). How soon would you pay off this Prosper loan. Lenders are looking the financial strength and ability of Borrowers. - cybercop45
A:
Well, the loan of Prosper is for 36 months, but I can pay it sooner than that.
If it is requested, I can pay it in 12 months, whatever...
Anyway, the payment is automatically drafted from my bank account, but I will manually do extra payments.
(Oct-16-2009)
Q:
With over 9000 in revolving debt what, specifically, will this 3000 go towards, amounts and balances?
Thanks and good luck. - Hawkeyebank
A:
this 3000 will manly go to pay off credit cards.
(Oct-16-2009)
Q:
The difference between your monthly net income and expenses would indicate you should have considerable savings. Are your expenses completely listed or are there savings you could use to pay off the CC debt or this loan? - Hawkeyebank
A:
the expenses list is not complete, i still have some others, but i also try to save something. i amy use some savings to pay off this loan much more in advance.
Well, i will never wait 36 months to pay it off, i probably do it before, let us say 12 months.
(Oct-16-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rellotsf | $50.00 | $50.00 | 10/15/2009 4:43:04 PM |
| wildguy | $25.00 | $25.00 | 10/15/2009 4:44:01 PM |
| unequaled-credit7 | $25.00 | $25.00 | 10/15/2009 4:44:06 PM |
| zone8 | $100.00 | $100.00 | 10/15/2009 4:45:17 PM |
| five-star-justice | $36.00 | $36.00 | 10/15/2009 4:45:22 PM |
| lounges | $45.26 | $45.26 | 10/15/2009 4:43:46 PM |
| SDNLR | $25.00 | $25.00 | 10/15/2009 4:44:10 PM |
| galtsgulch | $25.00 | $9.06 | 10/15/2009 4:44:32 PM |
| ITExec | $80.00 | $80.00 | 10/15/2009 4:43:21 PM |
| coolspeed | $25.00 | $25.00 | 10/15/2009 4:44:15 PM |
| d_grbg | $25.00 | $25.00 | 10/15/2009 4:48:30 PM |
| shawnw2 | $50.00 | $50.00 | 10/15/2009 4:48:22 PM |
| mdreiss | $25.00 | $25.00 | 10/15/2009 4:48:36 PM |
| junes08 | $25.00 | $25.00 | 10/15/2009 4:48:47 PM |
| personal-lender | $25.00 | $25.00 | 10/15/2009 4:51:28 PM |
| delivery | $25.00 | $25.00 | 10/15/2009 4:51:41 PM |
| tsquared_030 | $25.00 | $25.00 | 10/15/2009 4:51:56 PM |
| GElender | $25.00 | $25.00 | 10/15/2009 4:49:46 PM |
| Halos2002 | $50.00 | $50.00 | 10/15/2009 4:49:32 PM |
| VBAces | $25.00 | $25.00 | 10/15/2009 4:49:38 PM |
| visionary-currency | $25.00 | $25.00 | 10/15/2009 4:51:27 PM |
| beezling | $52.00 | $52.00 | 10/15/2009 4:58:06 PM |
| birddogsb | $50.00 | $50.00 | 10/15/2009 5:00:18 PM |
| FountainShrugged | $25.00 | $25.00 | 10/15/2009 5:00:50 PM |
| robot777 | $40.00 | $40.00 | 10/15/2009 4:58:12 PM |
| slartibardfast | $25.00 | $25.00 | 10/15/2009 5:01:52 PM |
| icon7 | $50.00 | $50.00 | 10/15/2009 4:59:47 PM |
| heroic-benefit | $25.00 | $25.00 | 10/15/2009 5:00:17 PM |
| twjh | $25.00 | $25.00 | 10/15/2009 5:01:11 PM |
| charming-point | $50.00 | $50.00 | 10/15/2009 5:01:35 PM |
| Havana21 | $50.00 | $50.00 | 10/15/2009 5:01:44 PM |
| Lam0nt | $25.00 | $25.00 | 10/15/2009 6:03:22 PM |
| srfb973 | $25.00 | $25.00 | 10/15/2009 6:20:11 PM |
| zento | $25.00 | $25.00 | 10/15/2009 6:00:04 PM |
| scottr | $25.00 | $25.00 | 10/15/2009 6:03:08 PM |
| snoopey100 | $25.00 | $25.00 | 10/15/2009 6:03:38 PM |
| nhi | $29.55 | $29.55 | 10/15/2009 7:28:35 PM |
| LahnDi | $25.00 | $25.00 | 10/15/2009 7:48:21 PM |
| junes08 | $50.00 | $50.00 | 10/16/2009 6:01:35 AM |
| unk1911 | $25.00 | $25.00 | 10/16/2009 8:44:27 AM |
| integrity-spilunker | $25.00 | $25.00 | 10/16/2009 11:12:02 AM |
| vigilance-searcher | $25.00 | $25.00 | 10/16/2009 9:09:12 AM |
| BenR | $100.00 | $100.00 | 10/16/2009 8:25:50 AM |
| abfs | $25.00 | $25.00 | 10/16/2009 9:31:47 AM |
| bassman2 | $25.00 | $25.00 | 10/16/2009 8:46:11 AM |
| financial-frenzy | $25.00 | $25.00 | 10/16/2009 11:40:10 AM |
| gluon | $50.00 | $50.00 | 10/16/2009 2:41:37 PM |
| interstellar | $50.00 | $50.00 | 10/16/2009 1:16:52 PM |
| proper-commitment5 | $25.00 | $25.00 | 10/15/2009 4:43:05 PM |
| irrelevant | $25.00 | $25.00 | 10/15/2009 4:43:10 PM |
| mikeandcat | $50.00 | $50.00 | 10/15/2009 4:43:23 PM |
| neighborly-bid | $25.00 | $25.00 | 10/15/2009 4:44:21 PM |
| InvestorPartners | $25.00 | $25.00 | 10/15/2009 4:43:02 PM |
| BuffetRocks | $50.00 | $50.00 | 10/15/2009 4:48:28 PM |
| thedreamer | $25.00 | $25.00 | 10/15/2009 4:48:40 PM |
| new-goal-return | $25.00 | $25.00 | 10/15/2009 4:48:52 PM |
| louisianalender | $100.00 | $100.00 | 10/15/2009 4:51:48 PM |
| Prezotus | $25.00 | $25.00 | 10/15/2009 4:49:09 PM |
| vinayski | $25.00 | $25.00 | 10/15/2009 4:48:55 PM |
| YogaDude34 | $25.00 | $25.00 | 10/15/2009 4:49:43 PM |
| secobarbital | $25.00 | $25.00 | 10/15/2009 4:51:37 PM |
| SNH | $50.00 | $50.00 | 10/15/2009 4:51:21 PM |
| anton | $25.00 | $25.00 | 10/15/2009 4:51:45 PM |
| fcb202 | $25.00 | $25.00 | 10/15/2009 4:51:53 PM |
| uncleegg | $25.00 | $25.00 | 10/15/2009 4:55:08 PM |
| catomaior | $25.00 | $25.00 | 10/15/2009 4:55:15 PM |
| biobulator | $25.00 | $25.00 | 10/15/2009 4:59:50 PM |
| dinero-mason | $50.00 | $50.00 | 10/15/2009 5:00:04 PM |
| preciousjeni | $25.00 | $25.00 | 10/15/2009 5:02:03 PM |
| Orringo | $25.00 | $25.00 | 10/15/2009 5:08:27 PM |
| 108lender | $75.00 | $75.00 | 10/15/2009 4:59:32 PM |
| loan-master996 | $50.00 | $50.00 | 10/15/2009 4:59:41 PM |
| jybank | $25.00 | $25.00 | 10/15/2009 4:59:45 PM |
| deal-pinnacle7 | $25.00 | $25.00 | 10/15/2009 5:04:19 PM |
| icon7 | $25.00 | $25.00 | 10/15/2009 5:26:40 PM |
| IIP77 | $25.00 | $25.00 | 10/15/2009 6:03:12 PM |
| wrighco | $25.00 | $25.00 | 10/15/2009 10:56:21 PM |
| building_community | $25.00 | $25.00 | 10/16/2009 5:11:57 AM |
| spy0 | $25.00 | $25.00 | 10/16/2009 6:12:20 AM |
| tallmon | $25.00 | $25.00 | 10/16/2009 5:15:26 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/16/2009 7:13:05 AM |
| LarryNY | $25.00 | $25.00 | 10/16/2009 9:06:53 AM |
| dedicated-diversification5 | $30.00 | $30.00 | 10/16/2009 9:31:12 AM |
| brainy-dedication | $25.00 | $25.00 | 10/16/2009 9:36:46 AM |
| remey | $25.00 | $25.00 | 10/16/2009 10:26:16 AM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/16/2009 3:01:50 PM |
| the-money-gargantuan | $25.00 | $25.00 | 10/16/2009 3:31:35 PM |
| Payasoup | $28.13 | $28.13 | 10/16/2009 1:32:41 PM |
| intelligent-yield | $25.00 | $25.00 | 10/16/2009 4:38:49 PM |
| 89 bids
|