Sales Report:Supplement No. 81 dated Nov 17, 2009 to Prospectus dated Jul 13, 2009
File 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 431601
This series of Notes was issued and sold upon the funding of the borrower loan #39521, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-03-2009 
  Auction end date:  Nov-10-2009 
 
Starting lender yield: 11.52% Starting borrower rate/APR: 12.52% / 12.87% Starting monthly payment: $334.63
Final lender yield: 9.50% Final borrower rate/APR: 10.50% / 10.85% Final monthly payment: $325.02
 
Auction yield range: 3.29% - 11.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Mar-1993 Debt/Income ratio: 39%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 19 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 67Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $32,946 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: return-baker 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
payoff my credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please describe what loan is for. Also please explain why there are 4 recent credit inquiries. Also please list your monthly income and detailed list of expenses. - exciting-fairness
A: I am going through a divorce, after the wife got us in serious debt. I have financed most of my credit cards ar a low interest. Now I am looking to payoff the last remaining and reduce the interest rates, and have a time set to pay it off and get out of debt. The 4 recent inquiries were due to my search for a loan. (Nov-03-2009)
Q: Please detail your monthly net (take home) income, and a breakdown of your monthly expenses. I'm very sorry to hear about your marital troubles-- best wishes to you, hopefully this loan will help. - 101010
A: My take home is $6400/month, that excludes the quarterly bonus check that I average between $3500 - 4000/quarter. My income includes my income from a p/t gig as management professor at Metropolitan State College of Denver. My expenses are as follows, House payment $2300, car payment $323, student loans $600, citi & Amx cards $450 (loan will pay these cards off and allow me to be out of debt in 4 years. Other credit cards $ 900 (will be paid off in 4 years).Hope this answers the question (Nov-03-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
mad4wknds$25.00$25.0011/3/2009 4:00:27 PM
five-star-note$25.00$25.0011/3/2009 4:01:27 PM
a-responsible-return$25.00$25.0011/3/2009 4:09:53 PM
bchen78875$50.00$50.0011/3/2009 4:10:09 PM
goofy15975$25.00$25.0011/3/2009 4:10:17 PM
iruz$50.00$50.0011/3/2009 4:10:42 PM
taxdiscusion$25.00$25.0011/3/2009 4:10:52 PM
djh47a$40.00$40.0011/3/2009 4:11:21 PM
dinero-philosopher3$25.00$25.0011/3/2009 4:11:49 PM
thedoctor$25.00$25.0011/3/2009 4:11:54 PM
antlr$25.00$25.0011/3/2009 4:12:19 PM
pragmatic-camaraderi$25.00$25.0011/3/2009 4:00:28 PM
rmachi$25.00$25.0011/3/2009 4:12:50 PM
DonaldColorado$25.00$25.0011/3/2009 4:01:19 PM
hard-working-loot$25.00$25.0011/3/2009 4:14:16 PM
kenji4861$50.00$50.0011/3/2009 4:09:45 PM
abidos$25.00$25.0011/3/2009 4:10:02 PM
zoomdrm57$50.00$50.0011/3/2009 4:15:03 PM
kchen486$25.00$25.0011/3/2009 4:10:24 PM
jd006006$50.00$50.0011/3/2009 4:15:26 PM
neighborly-hope6$100.00$100.0011/3/2009 4:10:28 PM
CULPEPPERGROUP$25.00$25.0011/3/2009 4:10:33 PM
vegibenz$25.00$25.0011/3/2009 4:15:46 PM
dparkhom$25.00$25.0011/3/2009 4:10:38 PM
emo13$50.00$50.0011/3/2009 4:10:50 PM
financial-frenzy$25.00$25.0011/3/2009 4:10:54 PM
TakeCare$100.00$100.0011/3/2009 4:11:22 PM
miked8303$25.00$25.0011/3/2009 4:11:34 PM
Jassi$25.00$25.0011/3/2009 4:11:41 PM
neenerman$25.00$25.0011/3/2009 4:12:01 PM
anton$50.00$50.0011/3/2009 4:12:06 PM
wormdc$25.00$25.0011/3/2009 4:13:28 PM
casteroil$50.00$50.0011/3/2009 4:54:02 PM
durable-deal2$25.00$25.0011/3/2009 4:54:09 PM
brw$25.00$25.0011/3/2009 4:54:12 PM
payout-showcase$25.00$25.0011/3/2009 4:54:20 PM
katnmouse$25.00$25.0011/3/2009 4:14:06 PM
BACKJUDGE$25.00$25.0011/3/2009 4:54:35 PM
progressive-rupee$25.00$25.0011/3/2009 4:54:52 PM
MGS$25.00$25.0011/3/2009 4:55:15 PM
bdpres1$25.00$25.0011/3/2009 4:55:21 PM
VBAces$75.00$75.0011/3/2009 4:56:09 PM
figs4u2$400.00$400.0011/3/2009 4:56:18 PM
kulender$25.00$25.0011/3/2009 4:56:36 PM
SDNLR$25.00$25.0011/3/2009 4:56:43 PM
Lendomatic$25.00$25.0011/3/2009 4:22:06 PM
Aeroman32$25.00$25.0011/3/2009 4:56:47 PM
kmprospeo$25.00$25.0011/3/2009 4:57:02 PM
peaceful-bid$25.00$25.0011/3/2009 4:57:11 PM
unrivaled-justice$25.00$25.0011/3/2009 4:57:15 PM
ElbowToast$25.00$25.0011/3/2009 4:53:46 PM
aspen5$25.00$25.0011/3/2009 4:54:03 PM
ceg451$25.00$25.0011/3/2009 4:54:13 PM
preciousjeni$26.54$26.5411/3/2009 4:54:15 PM
PrimeTimeGadgets$25.00$25.0011/3/2009 4:54:30 PM
cheaplender$25.00$25.0011/3/2009 4:54:36 PM
tlp43$25.00$25.0011/3/2009 4:54:43 PM
Reinadog9$25.00$25.0011/3/2009 4:54:49 PM
dpfl55$25.00$25.0011/3/2009 4:54:51 PM
gallant-camaraderi$25.00$25.0011/3/2009 4:55:16 PM
andyb9$25.00$25.0011/3/2009 4:55:53 PM
KailuaLender$25.00$25.0011/3/2009 4:55:58 PM
dr-dollar$25.00$25.0011/3/2009 4:56:24 PM
imyorleadr$25.00$25.0011/3/2009 4:56:30 PM
awwaww$25.00$25.0011/3/2009 4:56:34 PM
HunterSix$25.00$25.0011/3/2009 4:56:44 PM
uncleegg$25.00$25.0011/3/2009 4:56:49 PM
jybank$25.00$25.0011/3/2009 4:56:53 PM
slartibardfast$35.00$35.0011/3/2009 4:09:47 PM
panegryst$25.00$25.0011/3/2009 4:57:09 PM
Citizenryan$25.00$25.0011/3/2009 4:57:14 PM
jcfunder$25.00$25.0011/3/2009 4:57:16 PM
elegant-bonus$25.00$25.0011/3/2009 4:10:20 PM
dionysus03$25.00$25.0011/3/2009 4:10:23 PM
catterpillar$26.78$26.7811/3/2009 5:03:54 PM
spin-kick$25.00$25.0011/3/2009 4:11:09 PM
mikeandcat$50.00$50.0011/3/2009 4:11:33 PM
SnE$25.00$25.0011/3/2009 4:11:55 PM
MGOT-Ken$25.00$25.0011/3/2009 4:12:25 PM
market-honker$29.86$29.8611/3/2009 8:24:23 PM
credit-coach118$35.00$35.0011/3/2009 4:13:18 PM
rawman$25.00$25.0011/3/2009 4:13:34 PM
puifais$25.00$25.0011/3/2009 8:35:29 PM
Fortuno_per_commodo$50.00$50.0011/3/2009 4:13:37 PM
ytjameslee$50.00$50.0011/3/2009 4:13:43 PM
a-shiny-dime$25.00$25.0011/3/2009 4:13:46 PM
nicklds$25.33$25.3311/3/2009 9:53:44 PM
windfall46$25.00$25.0011/3/2009 4:53:56 PM
Dan1997$25.00$25.0011/3/2009 4:54:01 PM
Scoreman$50.00$50.0011/3/2009 4:54:19 PM
smallcountry$25.00$25.0011/3/2009 4:54:38 PM
Hola_James$25.00$25.0011/3/2009 4:54:44 PM
point-zebra$25.00$25.0011/3/2009 4:54:49 PM
Medic05$25.00$25.0011/3/2009 4:55:07 PM
the-payment-tiger195$25.00$25.0011/3/2009 9:00:47 PM
triumphant-commitment$25.00$25.0011/3/2009 4:55:24 PM
BeemerRider$25.00$25.0011/3/2009 4:55:32 PM
ThomasC$25.00$25.0011/3/2009 4:55:53 PM
fuzed$39.98$39.9811/3/2009 4:56:20 PM
donmacprosper$47.23$47.2311/3/2009 4:56:33 PM
likeable-value$25.00$25.0011/3/2009 4:56:41 PM
mamayama$25.00$25.0011/3/2009 4:56:42 PM
dirkjan$25.00$25.0011/3/2009 4:56:45 PM
Gundu$25.00$25.0011/3/2009 4:56:51 PM
Steveoo1$50.00$50.0011/3/2009 10:48:54 PM
gauss02$25.00$25.0011/3/2009 4:57:03 PM
joshua18$25.00$25.0011/3/2009 4:57:07 PM
verse99$25.00$25.0011/4/2009 12:29:22 AM
tallmon$25.00$25.0011/3/2009 4:57:27 PM
lenderme$25.00$25.0011/3/2009 5:20:33 PM
DadWarbucks$25.00$25.0011/4/2009 8:09:56 AM
credit-force5$25.00$25.0011/4/2009 6:33:52 AM
bigdogsafety1$25.00$25.0011/4/2009 7:28:48 AM
lend2end$25.00$25.0011/4/2009 8:01:00 AM
loyalist1$25.00$25.0011/3/2009 8:38:43 PM
johntina$26.13$26.1311/4/2009 12:29:23 AM
PotBellyPete$25.00$25.0011/4/2009 11:31:56 AM
FEWDollars$25.00$25.0011/4/2009 9:35:31 AM
hope-dragster$25.00$25.0011/4/2009 12:31:16 PM
vigman777$25.00$25.0011/4/2009 7:23:42 AM
Masterlender$25.00$25.0011/4/2009 1:33:54 PM
unassuming-note$25.00$25.0011/4/2009 1:44:29 PM
evmeta$25.00$25.0011/4/2009 1:48:47 PM
honorable-treasure$25.00$25.0011/4/2009 11:51:10 AM
Hondo$25.00$25.0011/4/2009 11:51:17 AM
DukSerduk$25.00$25.0011/4/2009 11:54:01 AM
bigdees$25.00$25.0011/4/2009 9:13:51 AM
market-assembler$50.00$50.0011/4/2009 1:54:19 PM
ultimate-commitment$25.00$25.0011/4/2009 10:34:25 AM
Brainworm$25.00$25.0011/4/2009 11:04:56 AM
flwah$25.00$25.0011/4/2009 11:29:50 AM
Okinutah$25.00$25.0011/4/2009 1:08:47 PM
sas19$25.00$25.0011/4/2009 4:15:04 PM
kindofaloaner$25.00$25.0011/4/2009 4:15:28 PM
MissionMicroFinance$37.67$37.6711/4/2009 4:33:54 PM
GOPHERBOY$65.00$65.0011/5/2009 9:44:13 AM
bruin558$100.00$12.8911/5/2009 9:59:27 AM
repayment-chef$25.00$25.0011/5/2009 9:34:06 AM
cloud8$40.00$40.0011/5/2009 9:10:37 PM
FundMaker$25.00$25.0011/6/2009 7:20:18 AM
fair_rates$25.00$25.0011/6/2009 5:58:45 PM
authoritative-social$25.00$25.0011/7/2009 5:22:12 AM
outofoffice$50.00$50.0011/7/2009 5:29:10 AM
Patrician$100.00$100.0011/9/2009 3:27:22 PM
octoberfresh$25.00$25.0011/9/2009 9:08:01 AM
durability-colonel$50.00$50.0011/9/2009 5:15:43 PM
tuckerdog75$25.00$25.0011/10/2009 10:18:11 AM
GOPHERBOY$100.00$100.0011/10/2009 3:22:47 PM
dblaz5$250.00$250.0011/10/2009 3:25:23 PM
a-finance-nirvana$100.00$100.0011/10/2009 3:40:38 PM
transparency-giant$50.00$50.0011/3/2009 4:01:20 PM
holstj$25.00$25.0011/3/2009 4:00:26 PM
market-umbrella$25.00$25.0011/3/2009 4:00:30 PM
kanakakm$50.00$50.0011/3/2009 4:09:50 PM
AF-Chief$35.00$35.0011/3/2009 4:09:52 PM
wrighco$25.00$25.0011/3/2009 4:09:54 PM
personal-lender$25.00$25.0011/3/2009 4:10:04 PM
Havana21$50.00$50.0011/3/2009 4:10:18 PM
JGB$25.00$25.0011/3/2009 4:10:29 PM
lucrative-worth$25.00$25.0011/3/2009 4:10:43 PM
MrDavid$50.00$50.0011/3/2009 4:12:52 PM
inspired-agreement$25.00$25.0011/3/2009 4:13:38 PM
responsibility-butterfly$25.00$25.0011/3/2009 4:14:12 PM
Attract$25.00$25.0011/3/2009 4:09:49 PM
8bitnintendo$25.00$25.0011/3/2009 4:14:31 PM
gracej$25.00$25.0011/3/2009 4:10:14 PM
TandyJames$50.00$50.0011/3/2009 4:15:11 PM
payout-point$25.00$25.0011/3/2009 4:15:19 PM
generosity-neutrino$25.00$25.0011/3/2009 4:10:31 PM
bonus-antioxidant$25.00$25.0011/3/2009 4:10:34 PM
nuclearmoose$25.00$25.0011/3/2009 4:10:37 PM
orbiter614$75.00$75.0011/3/2009 4:10:40 PM
SonomaHills$25.00$25.0011/3/2009 4:11:00 PM
value-pouch$25.00$25.0011/3/2009 4:11:52 PM
gizzywump$25.00$25.0011/3/2009 4:11:59 PM
subtle-interest$25.00$25.0011/3/2009 4:12:09 PM
wise-rupee-armada$25.00$25.0011/3/2009 4:12:20 PM
TrustPlus$50.00$50.0011/3/2009 4:12:35 PM
don8ter$60.00$60.0011/3/2009 4:12:38 PM
adabra$25.00$25.0011/3/2009 4:53:53 PM
dynamic-rupee$25.00$25.0011/3/2009 4:54:07 PM
jla720$25.00$25.0011/3/2009 4:54:11 PM
dealarella$25.00$25.0011/3/2009 4:54:17 PM
RJN$25.00$25.0011/3/2009 4:14:03 PM
jazz619$25.00$25.0011/3/2009 4:54:20 PM
ferocious-exchange3$25.00$25.0011/3/2009 4:54:34 PM
saritha$25.00$25.0011/3/2009 4:54:40 PM
compoundinterest$50.00$50.0011/3/2009 4:14:28 PM
martalli$25.00$25.0011/3/2009 4:54:44 PM
andrewgl$25.00$25.0011/3/2009 4:54:50 PM
robust-loyalty$25.00$25.0011/3/2009 4:14:47 PM
otter$25.00$25.0011/3/2009 4:54:55 PM
golden-yield$25.00$25.0011/3/2009 4:55:20 PM
worthy-truth$25.00$25.0011/3/2009 4:15:20 PM
intelligent-nickel$25.00$25.0011/3/2009 4:55:23 PM
Lender0010$25.00$25.0011/3/2009 4:55:29 PM
sturdy-rate3$25.00$25.0011/3/2009 4:55:58 PM
icon7$25.00$25.0011/3/2009 4:56:06 PM
agwosdof$50.00$50.0011/3/2009 4:56:34 PM
LALO79$25.00$25.0011/3/2009 4:56:40 PM
MTLoans$25.00$25.0011/3/2009 4:56:45 PM
Cheburashka$30.00$30.0011/3/2009 4:57:04 PM
MONEYLENDER101$100.00$100.0011/3/2009 4:57:28 PM
income-crescendo1$25.00$25.0011/3/2009 4:53:56 PM
gulfstream1$25.00$25.0011/3/2009 4:54:09 PM
Lancasterdust$25.00$25.0011/3/2009 4:54:18 PM
sictransitgloria$25.00$25.0011/3/2009 5:45:47 PM
nzlxjwek$25.00$25.0011/3/2009 4:54:46 PM
srfb973$25.00$25.0011/3/2009 4:54:50 PM
InvestorPartners$25.00$25.0011/3/2009 4:54:53 PM
BigEarHole$25.00$25.0011/3/2009 4:55:17 PM
selector568$100.00$100.0011/3/2009 4:55:51 PM
wdove511$25.00$25.0011/3/2009 4:56:19 PM
CarDealer3070$50.00$50.0011/3/2009 4:56:33 PM
supersarah61$25.00$25.0011/3/2009 4:56:50 PM
investment-builder0$50.00$50.0011/3/2009 6:53:45 PM
Tai$25.00$25.0011/3/2009 4:57:05 PM
Weaverville$25.00$25.0011/3/2009 4:10:06 PM
intelligent-yield$25.00$25.0011/3/2009 4:57:16 PM
BlindProphet$25.00$25.0011/3/2009 4:10:11 PM
Walkingcowboy$25.00$25.0011/3/2009 4:10:15 PM
trident9$50.00$50.0011/3/2009 4:10:27 PM
justice-dna$35.00$35.0011/3/2009 4:10:56 PM
Rogesparkguy$25.00$25.0011/3/2009 7:48:47 PM
greenbackologist$25.00$25.0011/3/2009 4:11:42 PM
return-elm$25.00$25.0011/3/2009 4:12:14 PM
ethicalhumanist$25.00$25.0011/3/2009 4:13:36 PM
fervent-repayment$25.00$25.0011/3/2009 4:13:41 PM
gentle-gold$25.00$25.0011/3/2009 4:14:02 PM
Ocean-Breeze$25.00$25.0011/3/2009 4:14:45 PM
bowdish1$50.00$50.0011/3/2009 4:15:28 PM
RobotTwo$25.00$25.0011/3/2009 10:49:02 PM
vkm2000$25.00$25.0011/3/2009 4:54:02 PM
rex45$25.00$25.0011/3/2009 4:54:10 PM
inventive-wealth2$25.00$25.0011/3/2009 4:54:16 PM
MAJESTIC5$47.58$47.5811/3/2009 4:54:37 PM
LR_Biker$25.00$25.0011/3/2009 4:54:47 PM
unequaled-credit7$25.00$25.0011/3/2009 4:54:52 PM
value-microscope$25.00$25.0011/3/2009 4:55:25 PM
wacko82$25.00$25.0011/3/2009 4:55:31 PM
lean-velocity$25.00$25.0011/3/2009 4:55:54 PM
Toastsr$25.00$25.0011/3/2009 4:56:31 PM
fortress767$25.00$25.0011/3/2009 4:56:42 PM
vkorichkov$27.55$27.5511/3/2009 4:56:44 PM
portfolio-zone801$25.00$25.0011/3/2009 4:56:54 PM
kirkjerk$25.00$25.0011/3/2009 10:59:09 PM
get30inc$50.00$50.0011/3/2009 4:56:56 PM
jmvingeorgia$25.00$25.0011/3/2009 4:57:01 PM
ike_bt$25.00$25.0011/3/2009 4:57:05 PM
shadowflame_99$25.00$25.0011/3/2009 4:57:10 PM
FutureLenderEC$25.00$25.0011/4/2009 8:34:36 AM
Teminole$25.00$25.0011/4/2009 6:29:35 AM
Artist_Blue$25.00$25.0011/4/2009 7:54:21 AM
fortytwo$25.00$25.0011/3/2009 9:33:52 PM
adir1$25.00$25.0011/3/2009 9:49:34 PM
Headhunter14$25.00$25.0011/4/2009 9:03:51 AM
geniusj$25.00$25.0011/3/2009 11:23:58 PM
kenyonhillbilly$25.00$25.0011/4/2009 10:10:46 AM
nalaari$25.53$25.5311/4/2009 6:19:18 AM
internetwolf$25.00$25.0011/4/2009 12:34:11 PM
a-finance-nirvana$150.00$150.0011/4/2009 7:09:09 AM
harmonious-yield$25.00$25.0011/4/2009 10:59:12 AM
mh1169$25.00$25.0011/4/2009 7:53:56 AM
Mr_Money$25.00$25.0011/4/2009 11:15:47 AM
wampum-chorus3$25.00$25.0011/4/2009 11:51:04 AM
Plotinus$50.00$50.0011/4/2009 11:51:14 AM
lloyd_s$25.00$25.0011/4/2009 11:58:53 AM
USMC0311$25.00$25.0011/4/2009 12:05:04 PM
newest-vigilance-fountain$25.00$25.0011/4/2009 9:00:44 AM
first-wampum-trapper$25.00$25.0011/4/2009 9:34:30 AM
mtpscuba$25.00$25.0011/4/2009 1:48:44 PM
cowboyskier$50.00$50.0011/4/2009 12:14:13 PM
brightest-income-hunter$25.00$25.0011/4/2009 1:38:44 PM
racing777$25.00$25.0011/4/2009 1:54:20 PM
fotep-financial$25.00$25.0011/4/2009 4:08:48 PM
slowpig$50.00$50.0011/4/2009 4:15:19 PM
MoneyU4IA$40.00$40.0011/4/2009 4:25:57 PM
Goodlender42$25.00$25.0011/4/2009 5:34:07 PM
love_what_you_do$25.00$25.0011/4/2009 6:28:50 PM
loan-warrior$25.00$25.0011/4/2009 4:41:00 PM
greenwell$50.00$50.0011/4/2009 5:20:51 PM
KiwiElf$27.63$27.6311/4/2009 5:23:54 PM
YogaDude34$25.00$25.0011/4/2009 3:55:07 PM
szetheli$50.00$50.0011/4/2009 4:15:25 PM
blot44$25.00$25.0011/5/2009 4:58:07 AM
kid8549$25.00$25.0011/5/2009 9:03:57 AM
mmqc$25.00$25.0011/4/2009 7:03:51 PM
syounker$25.00$25.0011/5/2009 9:33:57 AM
SpectrumCapital$25.00$25.0011/5/2009 12:24:18 PM
interstellar$50.00$50.0011/6/2009 11:19:50 AM
julijask$25.00$25.0011/9/2009 4:17:32 PM
flshdaskll$25.00$25.0011/9/2009 5:12:51 PM
wild-orange$100.00$100.0011/9/2009 5:34:10 PM
lender5150$25.00$25.0011/9/2009 9:12:37 PM
skubwa$25.00$25.0011/10/2009 1:00:06 PM
khamen$25.00$25.0011/10/2009 3:30:55 PM
martyMSU$34.30$34.3011/10/2009 3:53:36 PM
buckyhead2000$25.00$25.0011/10/2009 10:49:46 AM
298 bids
 
Borrower Payment Dependent Notes Series 427338
This series of Notes was issued and sold upon the funding of the borrower loan #39506, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-03-2009 
  Auction end date:  Nov-10-2009 
 
Starting lender yield: 10.50% Starting borrower rate/APR: 11.50% / 13.63% Starting monthly payment: $82.44
Final lender yield: 9.00% Final borrower rate/APR: 10.00% / 12.11% Final monthly payment: $80.67
 
Auction yield range: 4.29% - 10.50% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Mar-2000 Debt/Income ratio: 9%
Credit score: 700-719 (Oct-2009) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $21,667 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 67%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Doohickey415 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help me pay off my credit cards
Purpose of loan:
This loan will be used to pay off part of my debt that I accumulated in college and just have never managed to pay off.? Now that I have a good job I feel like I'm finally starting to get my finances under control, but I refuse to pay the banks the ridiculous rates that they charge me. My plan is to eventually pay off all my debt so that I can start saving up a deposit and (hopefully) eventually buy a house.

My financial situation:
I am a good candidate for this loan because...
Well I didn't realize this question was coming up, but like I said, I just converted to an employee at a good company (I know it I said I worked here for 2 yrs, this is because I was a contractor) and I'm eagerly (and yes, that's completely different than desperately) paying off my debt.? I've also make more than the minimum payment.

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 655
??Insurance: $ 0
??Car expenses: $ 150
??Utilities: $ 75 -- split between roommates
??Phone, cable, internet: $ 13 -- my company pays my cell phone :)
??Food, entertainment: $ 150
??Clothing, household expenses $ 50 -- split up among roommates
??Credit cards and other loans: $ 550
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ritwik$50.00$50.0011/3/2009 8:28:22 PM
Syzygy$25.00$25.0011/4/2009 5:58:59 AM
JUST_shoot$25.00$25.0011/6/2009 11:08:46 AM
MoneyForNothing$25.00$25.0011/9/2009 9:25:19 AM
JerryB96$25.00$25.0011/8/2009 8:37:15 PM
rmpedi33$100.00$100.0011/9/2009 8:48:34 AM
Kelor99$25.00$25.0011/9/2009 4:06:15 PM
MarkDown$25.00$25.0011/9/2009 4:20:33 PM
RandyL3$29.42$29.4211/9/2009 5:23:12 PM
Richmp412$25.00$25.0011/9/2009 4:59:10 PM
UCSBGAUCHOS$25.00$25.0011/9/2009 5:31:02 PM
bossyboots01$25.00$25.0011/9/2009 5:35:33 PM
AJ8981$47.33$47.3311/9/2009 5:57:07 PM
Jakes_Bank$25.00$25.0011/9/2009 6:09:01 PM
AsianDragon$100.00$100.0011/9/2009 9:05:17 PM
jybank$25.00$25.0011/9/2009 10:50:43 PM
buckyhead2000$25.00$25.0011/9/2009 5:35:07 PM
gjm6d$41.20$41.2011/10/2009 5:11:51 AM
ansky127$25.00$25.0011/10/2009 7:26:10 AM
glenium$25.00$25.0011/10/2009 4:26:47 AM
c-gurista-5$25.00$25.0011/10/2009 5:47:39 AM
Nasdaq$25.00$25.0011/10/2009 12:34:14 PM
GeoLender$25.00$25.0011/10/2009 12:40:19 PM
rsigroup3$50.00$50.0011/10/2009 6:13:13 AM
Charmart$25.00$25.0011/10/2009 2:14:06 PM
rmachi$25.00$25.0011/10/2009 8:39:29 AM
johnpmid$25.00$25.0011/10/2009 3:52:22 PM
njmlaj726$25.00$25.0011/10/2009 12:06:40 PM
turbospeed$25.00$25.0011/3/2009 4:09:57 PM
Finspons$38.57$23.4411/4/2009 8:12:09 AM
Lefty_the_Lender$25.00$25.0011/4/2009 8:08:06 AM
NorthwestLoan1$25.00$25.0011/5/2009 6:34:15 PM
PalmerTheEmbalmer$25.00$25.0011/6/2009 4:42:52 PM
outofoffice$50.00$50.0011/7/2009 5:27:32 AM
Cherrypicker$50.00$50.0011/7/2009 6:52:56 AM
hellasow$25.00$25.0011/7/2009 5:45:13 AM
doc1$100.00$100.0011/8/2009 5:53:52 PM
HealthAndSafety$50.00$50.0011/8/2009 6:16:04 PM
kulender$100.00$100.0011/9/2009 6:35:04 AM
fantasysports$25.00$25.0011/7/2009 11:11:01 PM
Bodyboard$25.00$25.0011/9/2009 4:52:20 PM
qkinger$50.00$50.0011/9/2009 4:39:26 PM
JDLanier$25.00$25.0011/9/2009 4:48:24 PM
Astyanax$25.00$25.0011/9/2009 5:06:43 PM
crw1950$50.00$50.0011/9/2009 5:12:10 PM
admirable-credit$25.00$25.0011/9/2009 5:34:00 PM
wild-orange$100.00$100.0011/9/2009 5:23:05 PM
favorite-truth$25.00$25.0011/9/2009 5:55:37 PM
power-expert$25.00$25.0011/9/2009 6:45:40 PM
Snoopylover$25.00$25.0011/10/2009 6:06:22 AM
kf88$25.00$25.0011/10/2009 8:29:09 AM
rce1964$25.00$25.0011/10/2009 11:23:05 AM
PAV$25.00$25.0011/10/2009 12:26:41 PM
jayk63$25.00$25.0011/10/2009 12:34:01 PM
GeoLender$25.00$25.0011/10/2009 12:40:57 PM
bluefinch$25.00$25.0011/10/2009 12:43:13 PM
dollar-authority$50.00$50.0011/10/2009 2:16:09 PM
wild-orange$200.00$200.0011/10/2009 3:33:34 PM
piano55$25.00$25.0011/10/2009 3:39:18 PM
wwwUniversal$25.00$25.0011/10/2009 3:56:14 PM
scientists$25.00$25.0011/10/2009 10:59:10 AM
dma1206$25.00$25.0011/10/2009 11:23:21 AM
wealth-grasshopper0$83.61$83.6111/10/2009 12:40:26 PM
GeoLender$25.00$25.0011/10/2009 12:40:40 PM
porwestco$25.00$25.0011/10/2009 2:30:51 PM
friendinmoney$25.00$25.0011/10/2009 3:56:37 PM
66 bids
 
Borrower Payment Dependent Notes Series 427718
This series of Notes was issued and sold upon the funding of the borrower loan #39496, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-04-2009 
  Auction end date:  Nov-11-2009 
 
Starting lender yield: 7.72% Starting borrower rate/APR: 8.72% / 9.06% Starting monthly payment: $63.34
Final lender yield: 5.95% Final borrower rate/APR: 6.95% / 7.29% Final monthly payment: $61.71
 
Auction yield range: 3.29% - 7.72% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Jun-1999 Debt/Income ratio: 1%
Credit score: 820-839 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $346 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 11%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: dime-boss Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Total Kitchen Renovation
Purpose of loan:
This loan will be used to update my kitchen built in 1991.? It will buy new cabinets, appliances and counter tops.?

My financial situation:
I am a good candidate for this loan because I have already put down 95% of the cost of the renovation.? This is more of a loan to get my feet wet using Prosper.? I have never been late on paying my credit cards and I pay the full amount due every month.? I work for a government contractor that has recently won several new contracts so my job is secure.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why are you borrowing 2000 when your take home should be at least $5000.00 per month. - The-Lighthouse-Group
A: Hello: this loan is simply to get my feet wet on using prosper. It is not a need based loan, but I would like to learn the process. So for the future, when I NEED a loan, I will have the experience necessary to make the loan process seamless. Thank you for your consideration. (Nov-07-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
amit_gu$50.00$50.0011/4/2009 3:19:44 PM
hellasow$50.00$50.0011/5/2009 2:32:15 PM
goprosper$50.00$50.0011/5/2009 8:17:05 PM
jimbo29blue$50.00$50.0011/6/2009 4:54:17 AM
don'twannadance$50.00$50.0011/6/2009 5:05:56 AM
FundMaker$25.00$25.0011/6/2009 7:25:14 AM
dma1206$25.00$25.0011/6/2009 11:44:08 AM
marwadi-62$300.00$300.0011/6/2009 7:17:05 PM
Dollars4Rent$25.00$25.0011/9/2009 1:47:22 PM
rcs2003$25.00$25.0011/9/2009 7:27:51 PM
Student_Capital$25.00$25.0011/10/2009 10:23:20 AM
Starfin300$25.00$25.0011/10/2009 6:24:05 PM
frankandirene$25.00$25.0011/10/2009 7:05:05 PM
Banker3119$25.00$25.0011/11/2009 6:09:54 AM
sorace$50.00$50.0011/10/2009 5:40:17 PM
TakeCare$25.00$25.0011/11/2009 10:31:20 AM
MoneyForNothing$25.00$25.0011/10/2009 6:57:47 PM
YummiBear$25.00$25.0011/10/2009 7:17:43 PM
jybank$25.00$25.0011/11/2009 12:13:25 PM
redtilapia$25.00$25.0011/11/2009 12:32:34 AM
amit_gu$100.00$100.0011/11/2009 8:26:50 AM
micloans$50.00$50.0011/11/2009 8:35:12 AM
kinetic-social$50.00$50.0011/11/2009 3:07:56 PM
dannyboy_997$40.00$40.0011/11/2009 11:13:04 AM
wwwUniversal$25.00$25.0011/11/2009 3:06:27 PM
turbospeed$25.00$25.0011/4/2009 3:19:43 PM
don'twannadance$50.00$50.0011/6/2009 5:03:41 AM
billnsc$25.00$25.0011/7/2009 5:32:23 PM
Doohickey415$100.00$100.0011/7/2009 11:59:40 PM
The-Lighthouse-Group$25.00$25.0011/8/2009 6:54:54 PM
authoritative-social$25.00$21.5011/10/2009 3:10:06 PM
MathProfessor$100.00$100.0011/10/2009 5:28:56 PM
steady-peace8$100.00$100.0011/10/2009 8:42:58 PM
jmainc$25.00$25.0011/10/2009 7:41:12 PM
pietro_torna_indietro$100.00$100.0011/10/2009 10:14:50 PM
Firescreek$35.00$35.0011/11/2009 5:30:46 AM
caseattle$25.00$25.0011/11/2009 8:13:38 AM
ryan6853$25.00$25.0011/11/2009 8:22:14 AM
Arpad$40.00$40.0011/10/2009 10:51:44 PM
Blind_Pig$27.00$27.0011/11/2009 8:42:12 AM
cedar5$36.50$36.5011/11/2009 12:26:42 PM
SNH$50.00$50.0011/11/2009 2:32:00 PM
42 bids
 
Borrower Payment Dependent Notes Series 431230
This series of Notes was issued and sold upon the funding of the borrower loan #39502, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-02-2009 
  Auction end date:  Nov-09-2009 
 
Starting lender yield: 11.48% Starting borrower rate/APR: 12.48% / 12.83% Starting monthly payment: $200.66
Final lender yield: 8.30% Final borrower rate/APR: 9.30% / 9.64% Final monthly payment: $191.64
 
Auction yield range: 3.29% - 11.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
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-1994 Debt/Income ratio: 7%
Credit score: 820-839 (Oct-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:8y 1m
Amount delinquent: $0 Revolving credit balance: $5,121 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 17%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pinnacle10 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off cc from home improvement
Purpose of loan:
About a year ago I remodeled my kitchen and other parts of my house.? I paid for most of it upfront, but the remaining $11,000 I decided to put on my credit card rather than sell any investments.? Over the last year I've paid it down to just under $6000.? My interest rate is decent for a cc at 13%.? I just can't stand having a balance on my card and cringe anytime I see my statement with a balance.? I'd much rather have a loan on Prosper with a good interest rate and consistent payments.?

My financial situation:
Income:
Teacher net pay: $3740
Rental property: $420?? (after expenses)

Monthly payments:
Mortage: $2040? (insurance and taxes included)
Electric/Gas: $210
Phone: $35
Internet: $20
Cable: $45
2nd Credit Card: $600 - $1000 (this card I pay off each month.? It includes regular daily expenses such as groceries, gas, entertainment, as well as travel)
Cash: $300? (each month I give myself $300 in cash for various things like eating out and entertainment)

Total Income: $4160
Total Expenses: $3250 - $3650

This leaves me with plenty of extra cash, which I've mostly used to pay down my credit card balance over the past year.

I also have roughly $18,000 in liquid investments that I could access if needed.? With this loan being less than $200 a month I don't see it as likely that I'll need to use that.? Over the past year I've managed to pay an average of nearly $500 a month.? As of September of this year I'm even making about $180 more per month.


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
BidderAmount BidAmount WinningBid Date (PT)
investor_101$50.00$50.0011/2/2009 4:19:56 PM
turbospeed$25.00$25.0011/2/2009 4:27:12 PM
zento$25.00$25.0011/2/2009 4:41:07 PM
ok$25.00$25.0011/2/2009 4:41:04 PM
HappyToLoan$25.00$25.0011/2/2009 4:42:42 PM
building_community$25.00$25.0011/2/2009 4:50:50 PM
HeroJason86$50.00$50.0011/2/2009 6:37:17 PM
MoneyTree79$150.00$150.0011/2/2009 5:47:09 PM
asset-numero-uno$100.00$100.0011/2/2009 4:43:58 PM
flwah$25.00$25.0011/2/2009 4:59:46 PM
minista$25.00$25.0011/2/2009 5:01:26 PM
seineil$100.00$100.0011/3/2009 2:29:09 AM
peb44$25.00$25.0011/3/2009 5:35:52 AM
nalaari$50.00$50.0011/3/2009 7:24:14 AM
benefit-reactor$25.00$25.0011/2/2009 6:30:42 PM
DHolly$25.00$25.0011/3/2009 6:04:08 AM
balanceheart$80.59$80.5911/3/2009 12:44:02 PM
brightest-income-hunter$25.00$25.0011/4/2009 1:34:20 PM
adventure0$100.00$100.0011/4/2009 5:14:15 PM
credit-launcher773$30.00$30.0011/5/2009 2:04:25 AM
Dollars4Rent$25.00$25.0011/5/2009 2:12:34 PM
GOPHERBOY$250.00$250.0011/5/2009 3:47:14 PM
TakeCare$50.00$50.0011/5/2009 11:46:09 AM
llequire1$124.42$124.4211/5/2009 2:07:44 PM
Zeenos$28.26$28.2611/5/2009 9:46:47 PM
loanshark62$25.00$25.0011/5/2009 5:04:48 PM
Chad2Help$25.00$25.0011/6/2009 6:12:15 AM
Sarspatula$25.00$25.0011/6/2009 9:34:25 AM
ujiba$25.00$25.0011/6/2009 9:35:45 AM
shrewd-income$25.00$25.0011/5/2009 8:22:32 PM
RIVERBEND$34.00$34.0011/6/2009 12:24:55 PM
manny00$27.45$27.4511/6/2009 12:16:50 PM
RandyL3$200.00$200.0011/6/2009 3:19:56 PM
IceFisherman$100.00$100.0011/6/2009 9:35:11 AM
beachfunder$25.00$25.0011/6/2009 3:36:30 PM
Prezotus$25.00$25.0011/6/2009 4:49:21 PM
Richmp412$45.00$45.0011/6/2009 6:57:47 PM
tallfund$75.00$75.0011/6/2009 10:50:45 PM
ChristopherHS$25.00$25.0011/6/2009 4:48:59 PM
billnsc$25.00$25.0011/7/2009 5:34:06 PM
authoritative-social$25.00$25.0011/7/2009 4:21:42 AM
axelducheck$29.32$29.3211/7/2009 10:30:08 PM
e3oM$50.00$50.0011/7/2009 11:24:50 PM
lend_to_you$100.00$100.0011/7/2009 7:44:09 AM
slxvq$34.43$34.4311/7/2009 8:41:41 AM
iscout$120.00$120.0011/8/2009 4:52:47 PM
nobsbooks$25.00$25.0011/8/2009 2:38:03 PM
YummiBear$25.00$25.0011/8/2009 5:38:41 PM
neenerman$100.00$100.0011/7/2009 5:06:45 PM
Lender0307$25.00$25.0011/7/2009 6:25:06 PM
OGS_Capital$25.00$25.0011/9/2009 4:23:27 AM
GradEcon$27.59$27.5911/9/2009 6:27:12 AM
fantasysports$25.00$25.0011/7/2009 11:09:31 PM
Charmart$25.00$25.0011/8/2009 4:58:57 AM
rate-hickory$25.00$25.0011/9/2009 8:03:44 AM
lender124$50.00$50.0011/8/2009 8:15:28 AM
AJ8981$25.00$25.0011/9/2009 8:57:06 AM
Feyenoord$25.00$25.0011/8/2009 12:33:42 PM
Digs$25.00$25.0011/9/2009 10:45:15 AM
velocity-squadron$25.00$25.0011/9/2009 11:00:04 AM
QsDad$25.00$25.0011/9/2009 11:10:04 AM
LendThriftSimon$25.00$25.0011/9/2009 11:40:01 AM
HealthAndSafety$50.00$50.0011/8/2009 6:14:13 PM
kc_dude$25.00$25.0011/9/2009 12:07:41 PM
JerryB96$25.00$25.0011/8/2009 8:23:16 PM
alex206$25.00$25.0011/9/2009 12:11:21 AM
evolsb$25.00$25.0011/9/2009 1:34:09 PM
windpiano1962$25.00$25.0011/9/2009 4:21:52 AM
StrongMonty$25.80$25.8011/9/2009 2:25:44 PM
BAEVentures$50.00$50.0011/9/2009 2:50:45 PM
wwwUniversal$25.00$25.0011/9/2009 3:48:02 PM
PrinceValium$25.00$25.0011/9/2009 8:35:18 AM
friendinmoney$150.00$150.0011/9/2009 3:54:57 PM
generosity-multiplier$25.00$25.0011/9/2009 12:07:03 PM
bansir$25.00$25.0011/9/2009 2:09:47 PM
Kelor99$25.00$25.0011/9/2009 4:02:26 PM
blot44$50.00$50.0011/2/2009 7:12:09 PM
Syzygy$25.00$25.0011/2/2009 4:59:26 PM
jybank$25.00$25.0011/2/2009 11:30:22 PM
the-profit-oracle$25.00$25.0011/3/2009 7:52:54 AM
HowardRoark$37.47$37.4711/3/2009 10:35:57 AM
gadfly066$25.00$25.0011/3/2009 5:41:44 PM
kristl$54.13$54.1311/4/2009 1:06:23 PM
FundMaker$25.00$25.0011/4/2009 11:08:18 AM
dbanwart$25.00$25.0011/4/2009 1:25:29 PM
jborer$25.00$25.0011/4/2009 11:18:11 AM
LQ1972$50.00$50.0011/4/2009 1:46:44 PM
SCD$25.00$25.0011/4/2009 6:21:06 PM
WILender2$50.00$50.0011/5/2009 3:43:00 AM
vineet$25.00$25.0011/5/2009 11:41:43 AM
lomaxz$50.00$50.0011/5/2009 2:05:06 PM
turbostar666$37.81$37.8111/5/2009 10:40:33 AM
Share-the-wealth$100.00$100.0011/6/2009 6:48:22 AM
blue-relay$25.00$25.0011/5/2009 5:44:52 PM
Cherrypicker$50.00$50.0011/6/2009 6:34:11 AM
payontime1$50.00$50.0011/6/2009 2:40:27 PM
LoanDMC$25.00$25.0011/6/2009 3:09:25 PM
JedClampett$75.00$55.5411/6/2009 10:54:44 AM
MoneyForNothing$25.00$25.0011/6/2009 4:20:09 PM
irishcocacola$25.22$25.2211/6/2009 4:50:40 PM
fair_rates$25.00$25.0011/6/2009 5:58:42 PM
PalmerTheEmbalmer$25.00$25.0011/6/2009 4:49:01 PM
investmentgroup$25.00$25.0011/6/2009 5:38:32 PM
dmitriy2$25.00$25.0011/6/2009 6:43:23 PM
bankofmay$25.00$25.0011/7/2009 6:57:13 AM
octoberfresh$25.00$25.0011/7/2009 6:58:39 AM
Blind_Pig$27.00$27.0011/7/2009 6:20:24 AM
ArashMass$25.00$25.0011/7/2009 10:58:22 AM
ivar$25.00$25.0011/7/2009 5:12:01 PM
NoNameLender$39.72$39.7211/7/2009 9:15:00 PM
ltlsprite3$30.00$30.0011/7/2009 6:36:44 PM
outofoffice$50.00$50.0011/7/2009 5:21:26 AM
The-Lighthouse-Group$25.00$25.0011/7/2009 5:40:26 AM
capus$75.00$75.0011/8/2009 12:20:34 PM
arlingtonderek$50.00$50.0011/8/2009 1:37:24 PM
MathProfessor$55.00$55.0011/8/2009 11:30:39 AM
wildanne$100.00$100.0011/8/2009 11:57:52 AM
doc1$100.00$100.0011/8/2009 5:49:37 PM
afterhours$25.00$25.0011/7/2009 12:24:23 PM
kingshighway$100.00$100.0011/8/2009 4:36:20 PM
flshdaskll$25.00$25.0011/8/2009 5:04:04 PM
stock_speculator$25.00$25.0011/8/2009 5:56:55 PM
rakey$25.00$25.0011/8/2009 7:53:49 PM
shrewd-income$225.00$225.0011/7/2009 5:59:58 PM
kulender$100.00$100.0011/8/2009 7:55:03 PM
rmachi$25.00$25.0011/9/2009 8:10:48 AM
ajk_blue$25.00$25.0011/9/2009 11:52:54 AM
sunnysally$26.00$26.0011/9/2009 11:58:28 AM
StrongMonty$25.25$25.2511/9/2009 3:22:41 AM
swissbanker$50.00$50.0011/9/2009 7:52:14 AM
AF-Chief$55.00$55.0011/9/2009 8:15:14 AM
crdcteng$50.00$50.0011/9/2009 9:17:17 AM
132 bids
 
Borrower Payment Dependent Notes Series 431644
This series of Notes was issued and sold upon the funding of the borrower loan #39497, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-03-2009 
  Auction end date:  Nov-10-2009 
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $237.35
Final lender yield: 17.10% Final borrower rate/APR: 18.10% / 20.31% Final monthly payment: $228.08
 
Auction yield range: 4.29% - 20.00% Estimated loss impact: 2.17%  
Lender servicing fee: 1.00% Estimated return: 14.93%  
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-1994 Debt/Income ratio: 55%
Credit score: 780-799 (Oct-2009) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:17y 8m
Amount delinquent: $0 Revolving credit balance: $13,815 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 18%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: genuine-bonus8 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
Pay off debt and pay for tuition
Purpose of loan:
This loan will be used to pay off high interest credit card and help pay for my daughters living expenses while she study out of state.

My financial situation:
I am a good candidate for this loan because I am a skill profession and I been working in a stable job for over 18 years.? My credit score is 780+.? My current income is 55,000 + yearly.? My wife and I total income is roughly 100k annually.? I have a great track record for on time payment with no delinquency.? I am a very responsible and hard working parent.
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
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/3/2009 4:22:12 PM
snowdem0n$50.00$50.0011/3/2009 6:43:50 PM
JustMee$25.00$25.0011/3/2009 5:07:27 PM
forthright-dedication$25.00$25.0011/4/2009 10:44:49 AM
SFBank$200.00$200.0011/4/2009 8:23:48 PM
mhammond$50.00$50.0011/5/2009 10:13:44 PM
reflective-rupee$25.00$25.0011/6/2009 10:06:01 AM
dinero-elevator$50.00$50.0011/7/2009 2:16:22 AM
rpg$300.00$300.0011/7/2009 7:40:11 AM
Debby$50.00$50.0011/7/2009 12:28:19 PM
niggard$25.00$25.0011/7/2009 10:02:21 PM
HawkedMatter$25.00$25.0011/8/2009 8:29:10 AM
16888$50.00$50.0011/9/2009 7:38:36 AM
reflective-rupee$100.00$100.0011/9/2009 10:18:49 AM
szasza$50.00$50.0011/9/2009 3:21:18 PM
favorite-dollar$25.00$25.0011/9/2009 8:13:20 AM
bobbyhume$25.00$25.0011/9/2009 4:14:59 PM
DrNano$50.00$50.0011/9/2009 5:54:09 PM
bootanksmom$25.00$25.0011/9/2009 10:31:27 PM
BAEVentures$25.00$25.0011/9/2009 11:36:58 PM
mcabery$200.00$200.0011/10/2009 6:06:10 AM
balanced-return5$25.00$25.0011/10/2009 8:53:29 AM
tyson789$200.00$200.0011/9/2009 8:55:58 PM
lazyeye$80.06$80.0611/10/2009 6:06:32 AM
payout-reaction740$25.00$25.0011/10/2009 1:00:44 PM
credit-missile$50.00$50.0011/10/2009 1:32:26 PM
HomerdohNY$25.00$25.0011/10/2009 1:49:32 PM
Num1Knicks$25.10$25.1011/10/2009 2:22:46 PM
OldManP$25.00$25.0011/10/2009 2:27:15 PM
thoughtful-community7$25.00$25.0011/10/2009 2:31:26 PM
exciting-fairness$150.00$150.0011/10/2009 2:37:06 PM
SciFiTrooper$100.00$100.0011/10/2009 3:57:14 PM
ME-Entrepreneur$25.00$25.0011/10/2009 3:58:12 PM
steady-peace8$125.00$125.0011/10/2009 10:20:35 AM
brightest-economy-tsunami$25.00$25.0011/10/2009 10:22:41 AM
just-trade0$36.00$36.0011/10/2009 12:08:10 PM
edts13$50.00$50.0011/10/2009 12:13:08 PM
wealth-comet694$50.00$50.0011/10/2009 12:50:38 PM
well-mannered-income3$25.00$25.0011/10/2009 2:26:35 PM
patriot384$50.00$48.4411/10/2009 3:59:35 PM
sociallender$25.00$25.0011/3/2009 4:11:24 PM
a-shiny-dime$25.00$25.0011/3/2009 4:29:54 PM
CommerciaLender$25.00$25.0011/4/2009 12:17:53 PM
bestloanrate$50.00$50.0011/5/2009 7:16:57 AM
buphigam$25.00$25.0011/6/2009 10:49:32 AM
zzztimbo$111.43$111.4311/7/2009 4:10:21 PM
Imaginos1892$150.00$150.0011/7/2009 9:40:16 PM
kulender$100.00$100.0011/9/2009 6:36:15 AM
fair_rates$25.00$25.0011/9/2009 10:58:50 AM
szasza$50.00$50.0011/9/2009 3:20:37 PM
szasza$50.00$50.0011/9/2009 3:21:55 PM
klemer$25.00$25.0011/9/2009 4:32:46 PM
just-trade0$36.00$36.0011/9/2009 5:11:12 PM
fairness-faire$25.00$25.0011/9/2009 5:31:31 PM
vivacious-p2p3$25.00$25.0011/9/2009 6:05:32 PM
wealth-serenity$25.00$25.0011/9/2009 7:03:10 PM
icess285$25.00$25.0011/9/2009 7:23:30 PM
wild-orange$200.00$200.0011/9/2009 5:32:16 PM
credit-missile$153.95$153.9511/10/2009 12:15:09 AM
Moe87$29.55$29.5511/10/2009 4:10:47 AM
WealthBoy$25.00$25.0011/10/2009 5:51:21 AM
surfingwa$300.00$300.0011/10/2009 6:23:30 AM
Bank_Of_XL$50.00$50.0011/10/2009 7:17:28 AM
p2p-gala$225.00$225.0011/10/2009 7:12:23 AM
p2p-gala$215.00$215.0011/9/2009 6:34:24 PM
durability-colonel$50.00$50.0011/9/2009 6:48:55 PM
reflective-rupee$25.00$25.0011/10/2009 9:59:43 AM
reflective-rupee$25.00$25.0011/10/2009 10:00:22 AM
jybank$25.00$25.0011/10/2009 10:02:27 AM
mlin$50.00$50.0011/10/2009 10:15:02 AM
OtownLender$50.00$50.0011/10/2009 10:18:36 AM
preventivepestcontrol$75.00$75.0011/10/2009 10:21:16 AM
fantastic-yield$100.00$100.0011/9/2009 8:50:33 PM
truth-boomerang$25.00$25.0011/10/2009 11:07:51 AM
mrpowers5531$25.00$25.0011/10/2009 11:31:55 AM
favorite-commerce$25.00$25.0011/10/2009 11:42:39 AM
dorypro$25.00$25.0011/10/2009 12:45:19 PM
umfan123$30.00$30.0011/10/2009 6:39:38 AM
Rulea72$64.47$64.4711/10/2009 7:08:10 AM
TakeCare$50.00$50.0011/10/2009 2:22:52 PM
understanding-integrity4$45.00$45.0011/10/2009 2:35:34 PM
credit-missile$100.00$100.0011/10/2009 3:14:48 PM
johnpmid$25.00$25.0011/10/2009 3:47:28 PM
reflective-rupee$25.00$25.0011/10/2009 3:53:11 PM
whitegold24k$350.00$350.0011/10/2009 10:13:39 AM
bazaar-cheetah$25.00$25.0011/10/2009 3:59:24 PM
Feyenoord$25.00$25.0011/10/2009 10:27:13 AM
credit-coach118$25.00$25.0011/10/2009 11:16:27 AM
thoughtful-community7$25.00$25.0011/10/2009 2:42:52 PM
dblaz5$500.00$500.0011/10/2009 3:27:35 PM
90 bids
 
Borrower Payment Dependent Notes Series 431914
This series of Notes was issued and sold upon the funding of the borrower loan #39512, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-05-2009 
  Auction end date:  Nov-12-2009 
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 13.35% Starting monthly payment: $134.78
Final lender yield: 9.31% Final borrower rate/APR: 10.31% / 10.66% Final monthly payment: $129.65
 
Auction yield range: 3.29% - 12.00% Estimated loss impact: 0.61%  
Lender servicing fee: 1.00% Estimated return: 8.70%  
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-1993 Debt/Income ratio: 35%
Credit score: 720-739 (Oct-2009) Current / open credit lines: 20 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:5y 7m
Amount delinquent: $0 Revolving credit balance: $104,101 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: fair-gain5 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off my Credit Cards
Purpose of loan:
This loan will be used to pay off a high interest credit card.? I would rather pay you than some bank that keeps changing my rates.? I save and your earn.

My financial situation:
I am a good candidate for this loan because even at the proposed interest rate, it will not be more than my current monthly payment, I will pay it off faster and pay less interest.
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
BidderAmount BidAmount WinningBid Date (PT)
iem2509$25.00$25.0011/6/2009 10:45:36 AM
serene-truth2$25.00$25.0011/6/2009 1:03:16 PM
16888$51.94$51.9411/9/2009 7:39:57 AM
101010$25.00$25.0011/8/2009 8:58:28 PM
emunah6$25.00$25.0011/9/2009 5:57:30 PM
greenback-floret$50.00$50.0011/10/2009 7:11:23 AM
credit-coach118$25.00$25.0011/10/2009 4:04:29 PM
evolsb$25.00$25.0011/10/2009 4:12:57 PM
newest-mindful-bazaar$25.00$25.0011/10/2009 10:09:20 PM
octoberfresh$25.00$25.0011/11/2009 6:27:49 AM
authoritative-social$25.00$25.0011/10/2009 5:12:19 PM
BipedalHominid$25.00$25.0011/11/2009 12:40:07 PM
fotep-financial$25.00$25.0011/11/2009 12:19:42 PM
FundMaker$25.00$25.0011/11/2009 1:01:08 PM
kander80$25.00$25.0011/12/2009 8:00:35 AM
TFAD72$25.00$25.0011/12/2009 8:04:25 AM
maineyankee$25.00$25.0011/12/2009 9:44:59 AM
gsp1885$36.63$36.6311/12/2009 3:48:22 AM
motivator72$25.00$25.0011/12/2009 10:10:30 AM
Aubrei$25.00$25.0011/12/2009 10:50:10 AM
sunsetlending$50.00$50.0011/12/2009 11:43:22 AM
jcw3rd$25.00$25.0011/12/2009 1:02:47 PM
jmeww008$25.00$25.0011/12/2009 2:18:06 PM
Hogan55$51.75$51.7511/12/2009 2:48:00 PM
wild-orange$500.00$500.0011/12/2009 3:36:09 PM
serene-capital$25.00$25.0011/12/2009 3:58:55 PM
leverage-monger$500.00$322.5011/12/2009 4:13:10 PM
wwwUniversal$25.00$25.0011/12/2009 4:14:41 PM
dollar-authority$50.00$50.0011/12/2009 4:13:56 PM
JTHarris$50.00$50.0011/5/2009 6:45:58 PM
Iwantahelp$25.00$25.0011/8/2009 6:55:55 PM
101010$100.00$100.0011/8/2009 8:57:35 PM
101010$25.00$25.0011/8/2009 8:58:56 PM
Syzygy$25.00$25.0011/9/2009 2:43:43 PM
building_community$25.00$25.0011/9/2009 5:35:29 PM
hellasow$30.00$30.0011/9/2009 6:01:12 PM
jybank$25.00$25.0011/10/2009 11:02:09 AM
billnsc$25.00$25.0011/10/2009 3:14:24 PM
CARedBull$50.00$50.0011/10/2009 9:46:18 PM
Jcardone33$25.00$25.0011/11/2009 5:27:54 AM
rmpedi33$100.00$100.0011/11/2009 11:01:05 AM
V40Harmony$25.00$25.0011/11/2009 4:15:48 PM
orbiter614$119.99$119.9911/11/2009 6:41:15 PM
gothampark$25.00$25.0011/11/2009 7:28:25 PM
spiff666$25.00$25.0011/11/2009 8:11:42 PM
rakey$25.37$25.3711/11/2009 8:33:04 PM
flshdaskll$25.00$25.0011/11/2009 11:54:47 AM
JerryB96$25.00$25.0011/11/2009 9:28:20 PM
orbiter614$50.00$50.0011/12/2009 1:18:17 AM
rockhound84$25.00$25.0011/12/2009 4:53:41 AM
Leshan$50.00$50.0011/12/2009 8:53:27 AM
llequire1$90.82$90.8211/12/2009 10:03:27 AM
TakeCare$30.00$30.0011/12/2009 10:06:18 AM
TakeCare$30.00$30.0011/12/2009 10:06:33 AM
buffalobills$25.00$25.0011/12/2009 8:35:22 AM
nalaari$50.00$50.0011/12/2009 10:43:41 AM
Happyhourcomics$25.00$25.0011/12/2009 10:47:40 AM
Okeey$25.00$25.0011/12/2009 10:44:59 AM
Minotaur$36.00$36.0011/12/2009 4:04:15 PM
loanshark207$25.00$25.0011/12/2009 4:11:27 PM
leverage-monger$500.00$500.0011/12/2009 4:14:15 PM
organic-platinum$25.00$25.0011/12/2009 4:14:40 PM
leverage-monger$500.00$500.0011/12/2009 4:15:02 PM
justice-hawk$50.00$50.0011/12/2009 11:48:21 AM
durability-colonel$50.00$50.0011/12/2009 2:45:34 PM
65 bids
 
Borrower Payment Dependent Notes Series 432478
This series of Notes was issued and sold upon the funding of the borrower loan #39500, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,900.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-09-2009 
  Auction end date:  Nov-15-2009 
 
Starting lender yield: 22.29% Starting borrower rate/APR: 23.29% / 25.57% Starting monthly payment: $151.56
Final lender yield: 22.29% Final borrower rate/APR: 23.29% / 25.57% Final monthly payment: $151.56
 
Auction yield range: 8.29% - 22.29% Estimated loss impact: 7.03%  
Lender servicing fee: 1.00% Estimated return: 15.26%  
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-1990 Debt/Income ratio: 20%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 16 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 68Length of status:4y 8m
Amount delinquent: $0 Revolving credit balance: $17,320 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: DenverCapital Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
680-699 (Sep-2009)
700-719 (May-2008)
720-739 (Nov-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
Consolidate some high interest debt
Purpose of loan:
I will use the proceeds from this loan to pay off high interest credit card debt.? My combined current payments are $425 a month, so this loan will allow me to lower my monthly payment.

My financial situation:
My credit profile and income show that this is a loan that is well within my means to payoff.? I anticipate being able to pay this loan in full sooner than 36 months.? I have borrowed through Prosper before and paid off the first note in 5 months.

Monthly net income: $ 7500

Monthly expenses: $?6536
??Housing: $ 1781
??(Med, Life, and Auto ) Insurance: $?$710
??Car Loans / expenses: $ 990 (reduced by $150 with funding on this note)
??Utilities: $ 360
??Phone, cable, internet: $ 250
??Food, entertainment: $ 750
??Clothing, household expenses $ 250
??Credit cards and other loans: $?750?
??Student Loans: $595
? Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$39.00$39.0011/9/2009 4:28:16 PM
robot777$40.00$40.0011/9/2009 4:38:29 PM
reflective-rupee$61.00$61.0011/9/2009 4:28:35 PM
AndyT1999$25.00$25.0011/9/2009 4:55:25 PM
impressive-loan$100.00$100.0011/9/2009 5:23:52 PM
1traveler$25.00$25.0011/9/2009 5:32:45 PM
reflective-rupee$25.00$25.0011/9/2009 5:32:48 PM
reflective-rupee$25.00$25.0011/9/2009 5:32:54 PM
reflective-rupee$25.00$25.0011/9/2009 5:33:33 PM
exciting-fairness$150.00$150.0011/9/2009 5:45:12 PM
BenR$200.00$200.0011/9/2009 6:21:35 PM
MoneyForNothing$25.00$25.0011/9/2009 7:24:54 PM
preventivepestcontrol$50.00$50.0011/10/2009 10:58:13 AM
aztocas$25.00$25.0011/10/2009 5:51:08 AM
GCSS$50.00$50.0011/10/2009 6:50:46 AM
Top_Gun_Lender$59.00$59.0011/10/2009 4:42:49 PM
fuzed$37.89$37.8911/10/2009 4:52:29 PM
zento$25.00$25.0011/11/2009 8:33:30 PM
justme4now$25.00$25.0011/11/2009 2:23:27 PM
tough-penny5$25.00$25.0011/12/2009 12:39:45 AM
nalaari$50.00$50.0011/12/2009 11:34:13 AM
wealth-grasshopper0$166.39$166.3911/12/2009 4:39:12 PM
hkme$50.00$50.0011/12/2009 4:49:50 PM
umfan123$25.00$25.0011/13/2009 7:57:36 AM
EretzCapital$69.50$69.5011/13/2009 8:23:18 AM
Dollars4Rent$25.00$25.0011/13/2009 1:20:13 PM
LAKETIME$25.00$25.0011/13/2009 2:58:15 PM
trainu$93.33$93.3311/13/2009 8:36:18 PM
JCM_MN$30.00$30.0011/14/2009 6:56:09 AM
inforapenny$25.00$25.0011/14/2009 8:28:41 AM
hellasow$25.00$25.0011/14/2009 12:14:20 PM
reflective-rupee$400.00$400.0011/13/2009 9:14:46 PM
brainy-dedication$25.00$25.0011/14/2009 7:31:08 PM
Kash2010lu$25.00$25.0011/14/2009 9:34:13 AM
platinum-bridge$25.00$25.0011/15/2009 5:31:16 AM
gothampark$25.00$25.0011/14/2009 1:32:22 PM
reflective-rupee$50.00$50.0011/15/2009 8:39:27 AM
reflective-rupee$50.00$50.0011/15/2009 8:39:48 AM
reflective-rupee$50.00$50.0011/15/2009 8:40:09 AM
lender12345$75.00$75.0011/15/2009 8:21:06 AM
building_community$25.00$25.0011/14/2009 6:34:17 PM
economy-popcorn$25.00$25.0011/14/2009 9:59:15 PM
rawsushi$84.84$84.8411/15/2009 6:29:47 AM
suomynona$25.00$25.0011/9/2009 4:37:57 PM
3am-preacher$25.00$25.0011/9/2009 4:31:22 PM
well-mannered-income3$25.00$25.0011/9/2009 5:17:36 PM
reflective-rupee$50.00$50.0011/9/2009 5:33:50 PM
GeoLender$25.00$25.0011/9/2009 5:59:40 PM
GeoLender$25.00$25.0011/9/2009 5:59:56 PM
periko$50.00$50.0011/9/2009 9:11:55 PM
sociallender$25.00$25.0011/9/2009 5:37:45 PM
buffalobills$25.00$25.0011/10/2009 8:38:59 AM
tracyjo$25.00$25.0011/10/2009 10:34:53 AM
tnjohnso$25.00$25.0011/10/2009 4:12:42 PM
doctorgrab$25.00$25.0011/10/2009 5:35:19 PM
SFBank$200.00$200.0011/10/2009 7:19:02 PM
caseattle$25.00$25.0011/11/2009 11:01:19 AM
balance-warrior$25.00$25.0011/11/2009 12:57:07 PM
silvercertificate$25.00$25.0011/12/2009 9:32:38 AM
silverloan$50.00$50.0011/12/2009 4:32:13 PM
scarlet-velvet$25.00$25.0011/12/2009 7:14:44 PM
Unitas4302$50.00$50.0011/13/2009 3:43:13 AM
jybank$25.00$25.0011/13/2009 8:23:35 AM
mercuriant$25.00$25.0011/13/2009 9:36:59 AM
carrinel$100.00$100.0011/13/2009 4:52:25 PM
Bank_Of_XL$100.00$100.0011/13/2009 4:58:15 PM
vivacious-p2p3$25.00$25.0011/13/2009 6:16:15 PM
portfolio-turbine$50.00$50.0011/14/2009 9:25:03 AM
run_dmc$25.00$25.0011/14/2009 9:42:57 AM
EEasyMoney$25.00$25.0011/14/2009 11:14:19 AM
RobinHood$50.00$50.0011/13/2009 10:33:25 PM
a-reasonable-return$50.00$50.0011/13/2009 10:43:04 PM
forthright-dedication$25.00$25.0011/14/2009 6:03:29 PM
sweety075$25.00$25.0011/14/2009 8:39:42 PM
redrum35$84.21$84.2111/15/2009 2:59:37 AM
Onlyhappycustomers$25.00$8.8411/15/2009 5:57:25 AM
Johnab$26.00$26.0011/15/2009 6:47:44 AM
SkinnyFish$25.00$25.0011/14/2009 1:30:31 PM
78 bids
 
Borrower Payment Dependent Notes Series 431241
This series of Notes was issued and sold upon the funding of the borrower loan #39518, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-02-2009 
  Auction end date:  Nov-09-2009 
 
Starting lender yield: 11.52% Starting borrower rate/APR: 12.52% / 12.87% Starting monthly payment: $334.63
Final lender yield: 9.50% Final borrower rate/APR: 10.50% / 10.85% Final monthly payment: $325.02
 
Auction yield range: 3.29% - 11.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Mar-1984 Debt/Income ratio: 12%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $10,271 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 34%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: yield-ambrosia Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Hopefully 3rd time is a charm
Purpose of loan:
This loan will be used to?pay off credit card debt which is at too high a rate.

My financial situation:
I am a good candidate for this loan because?I have a good job, steady income, and a good credit rating.? I have posted twice before on Prosper and received?only 25% funding.? I went?on bankrate.com and for a 5 year jumbo CD with a minimum investment of $100,000, the highest rate is 3.50%.? I am asking for a fair rate based on?current market conditions for my FICO score.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cloud8$40.00$40.0011/2/2009 4:10:03 PM
five-star-note$25.00$25.0011/2/2009 4:13:17 PM
responsibility-butterfly$25.00$25.0011/2/2009 4:18:48 PM
DonaldColorado$25.00$25.0011/2/2009 4:12:19 PM
transparency-giant$50.00$50.0011/2/2009 4:12:26 PM
kenji4861$50.00$50.0011/2/2009 4:26:12 PM
AF-Chief$35.00$35.0011/2/2009 4:26:53 PM
a-responsible-return$25.00$25.0011/2/2009 4:26:57 PM
personal-lender$25.00$25.0011/2/2009 4:27:33 PM
inforapenny$25.00$25.0011/2/2009 4:16:05 PM
neighborly-hope6$100.00$100.0011/2/2009 4:29:31 PM
gentle-gold$25.00$25.0011/2/2009 4:29:40 PM
BlindProphet$25.00$25.0011/2/2009 4:28:05 PM
greenwell$50.00$50.0011/2/2009 4:30:56 PM
MissionMicroFinance$50.00$50.0011/2/2009 4:30:59 PM
orbiter614$75.00$75.0011/2/2009 4:31:04 PM
iruz$50.00$50.0011/2/2009 4:31:13 PM
Banker7371$25.00$25.0011/2/2009 4:20:13 PM
taxdiscusion$25.00$25.0011/2/2009 4:31:57 PM
JGB$25.00$25.0011/2/2009 4:29:49 PM
SonomaHills$25.00$25.0011/2/2009 4:32:48 PM
Fortuno_per_commodo$39.34$39.3411/2/2009 4:31:35 PM
financial-frenzy$25.00$25.0011/2/2009 4:32:08 PM
spin-kick$25.00$25.0011/2/2009 4:33:04 PM
anton$50.00$50.0011/2/2009 4:37:10 PM
kanakakm$50.00$50.0011/2/2009 4:26:47 PM
subtle-interest$25.00$25.0011/2/2009 4:37:33 PM
greenbackologist$25.00$25.0011/2/2009 4:34:41 PM
a-shiny-dime$25.00$25.0011/2/2009 4:38:20 PM
antlr$25.00$25.0011/2/2009 4:38:28 PM
inspired-agreement$25.00$25.0011/2/2009 4:35:04 PM
compoundinterest$50.00$50.0011/2/2009 4:28:14 PM
elegant-bonus$25.00$25.0011/2/2009 4:28:53 PM
leverage-monger$50.00$50.0011/2/2009 4:36:55 PM
fervent-repayment$25.00$25.0011/2/2009 4:30:07 PM
wise-rupee-armada$25.00$25.0011/2/2009 4:38:35 PM
justice-dna$35.00$35.0011/2/2009 4:32:24 PM
Syzygy$25.00$25.0011/2/2009 4:59:28 PM
miked8303$25.00$25.0011/2/2009 4:34:13 PM
Jassi$25.00$25.0011/2/2009 4:34:33 PM
top-trade-chihuahua$25.00$25.0011/2/2009 6:09:38 PM
czar3$25.00$25.0011/2/2009 4:38:03 PM
unrivaled-justice$25.00$25.0011/2/2009 7:00:58 PM
katnmouse$25.00$25.0011/2/2009 7:28:44 PM
yield-quest$25.00$25.0011/2/2009 9:01:12 PM
wild-orange$500.00$500.0011/2/2009 6:22:10 PM
wise-spirited-nickel$25.00$25.0011/2/2009 7:01:01 PM
mamayama$25.00$25.0011/3/2009 6:56:23 AM
GrayStudio$50.00$50.0011/3/2009 7:23:48 AM
SpectrumCapital$25.00$25.0011/3/2009 7:23:51 AM
hard-working-loot$25.00$25.0011/2/2009 8:05:27 PM
uncleegg$25.00$25.0011/3/2009 6:56:38 AM
jybank$25.00$25.0011/3/2009 7:23:52 AM
minista$25.00$25.0011/3/2009 12:39:02 PM
twjh$25.00$25.0011/3/2009 4:56:56 PM
rmpedi33$100.00$100.0011/4/2009 8:21:25 AM
shrewd-income$500.00$500.0011/4/2009 10:53:30 PM
hellasow$50.00$50.0011/5/2009 2:35:31 PM
GABC-1$100.00$100.0011/5/2009 2:17:56 PM
blue-relay$25.00$25.0011/5/2009 6:04:19 PM
SCD$25.00$25.0011/5/2009 4:26:06 PM
bend2007$250.00$250.0011/5/2009 8:06:40 PM
rocky1a$25.00$25.0011/5/2009 10:43:38 PM
the-profit-oracle$25.00$25.0011/6/2009 5:51:01 AM
jimbo29blue$50.00$50.0011/6/2009 4:56:22 AM
caffinate$32.33$32.3311/6/2009 10:48:48 AM
harmonious-greenback$25.00$25.0011/6/2009 1:52:56 PM
efficient-bid2$25.00$25.0011/6/2009 1:49:28 PM
MoneyForNothing$25.00$25.0011/6/2009 4:14:42 PM
sparkling-income$50.00$50.0011/6/2009 4:13:28 PM
enterprising-integrity$25.00$25.0011/6/2009 4:49:57 PM
fair_rates$25.00$25.0011/6/2009 5:58:43 PM
catumbelense$30.00$30.0011/6/2009 6:21:24 PM
organic-platinum$25.00$25.0011/7/2009 5:15:43 AM
The-Lighthouse-Group$25.00$25.0011/7/2009 5:34:54 AM
afterhours$25.00$25.0011/7/2009 12:22:03 PM
neenerman$100.00$100.0011/7/2009 5:07:27 PM
favorite-commerce$25.00$25.0011/7/2009 1:49:12 PM
GoldenTicket$75.00$75.0011/7/2009 4:19:56 PM
revenue-serenity$25.00$25.0011/7/2009 8:21:44 PM
sparkling-contract7$25.00$25.0011/7/2009 8:23:15 PM
building_community$25.00$25.0011/6/2009 8:47:04 PM
Moneypenny6$25.00$25.0011/6/2009 9:20:20 PM
a-finance-nirvana$100.00$100.0011/8/2009 5:27:07 AM
GOPHERBOY$100.00$100.0011/7/2009 8:04:24 PM
duckbill_1972$25.00$25.0011/7/2009 7:06:57 AM
stock_speculator$25.00$25.0011/8/2009 5:56:56 PM
ShowMeLender$25.00$25.0011/7/2009 1:03:19 PM
currency-agave$25.00$25.0011/8/2009 8:34:41 PM
enticing-treasure5$25.00$25.0011/8/2009 9:13:43 AM
SoCalRancher$50.00$50.0011/8/2009 9:29:04 AM
Kyileo$90.00$90.0011/9/2009 10:25:04 AM
oldman68$25.00$25.0011/8/2009 8:20:53 PM
cardelt$25.00$25.0011/9/2009 1:27:11 PM
Patrician$100.00$100.0011/9/2009 1:28:18 PM
Stonewood$25.00$25.0011/9/2009 2:02:44 PM
serene-capital$25.00$25.0011/9/2009 12:45:25 AM
wwwUniversal$25.00$25.0011/9/2009 3:48:32 PM
Jynxie$50.00$50.0011/9/2009 11:25:59 AM
pietro_torna_indietro$100.00$100.0011/9/2009 1:33:43 PM
Prezotus$25.00$25.0011/9/2009 1:37:49 PM
slartibardfast$35.00$35.0011/2/2009 4:26:18 PM
saahilld$25.00$25.0011/2/2009 4:14:53 PM
wrighco$25.00$25.0011/2/2009 4:27:07 PM
Weaverville$25.00$25.0011/2/2009 4:27:44 PM
goofy15975$25.00$25.0011/2/2009 4:28:38 PM
Attract$25.00$25.0011/2/2009 4:26:32 PM
bonus-antioxidant$25.00$25.0011/2/2009 4:30:22 PM
nuclearmoose$25.00$25.0011/2/2009 4:30:36 PM
bchen78875$50.00$50.0011/2/2009 4:27:54 PM
gracej$25.00$25.0011/2/2009 4:28:22 PM
Havana21$50.00$50.0011/2/2009 4:28:46 PM
credit-investor5$50.00$50.0011/2/2009 4:20:21 PM
kchen486$25.00$25.0011/2/2009 4:29:15 PM
trident9$50.00$50.0011/2/2009 4:29:23 PM
kindofaloaner$25.00$25.0011/2/2009 4:32:19 PM
generosity-neutrino$25.00$25.0011/2/2009 4:29:57 PM
dparkhom$25.00$25.0011/2/2009 4:30:51 PM
puifais$25.00$25.0011/2/2009 4:35:58 PM
gizzywump$25.00$25.0011/2/2009 4:36:07 PM
djh47a$40.00$40.0011/2/2009 4:33:29 PM
mikeandcat$50.00$50.0011/2/2009 4:34:02 PM
turbospeed$25.00$25.0011/2/2009 4:27:13 PM
abidos$25.00$25.0011/2/2009 4:27:26 PM
value-pouch$25.00$25.0011/2/2009 4:35:19 PM
SnE$25.00$25.0011/2/2009 4:35:36 PM
credit-coach118$35.00$35.0011/2/2009 4:39:13 PM
Walkingcowboy$25.00$25.0011/2/2009 4:28:31 PM
dionysus03$25.00$25.0011/2/2009 4:29:07 PM
Orca-man$50.00$50.0011/2/2009 4:40:45 PM
CULPEPPERGROUP$25.00$25.0011/2/2009 4:30:13 PM
ytjameslee$50.00$50.0011/2/2009 4:30:30 PM
MGOT-Ken$25.00$25.0011/2/2009 4:38:51 PM
lucrative-worth$25.00$25.0011/2/2009 4:31:22 PM
ethicalhumanist$25.00$25.0011/2/2009 4:31:28 PM
TrustPlus$50.00$50.0011/2/2009 4:40:38 PM
emo13$50.00$50.0011/2/2009 4:31:50 PM
mmqc$25.00$25.0011/2/2009 4:52:54 PM
Lendomatic$25.00$25.0011/2/2009 4:32:14 PM
aldenrains$25.00$25.0011/2/2009 4:32:33 PM
rmachi$25.00$25.0011/2/2009 4:42:33 PM
MrDavid$50.00$50.0011/2/2009 4:42:41 PM
flwah$25.00$25.0011/2/2009 4:59:46 PM
TakeCare$100.00$100.0011/2/2009 4:33:37 PM
slowpig$29.44$29.4411/2/2009 4:33:57 PM
Cheburashka$26.24$26.2411/2/2009 5:05:50 PM
dinero-philosopher3$25.00$25.0011/2/2009 4:34:58 PM
thedoctor$25.00$25.0011/2/2009 4:35:25 PM
Masterlender$25.00$25.0011/2/2009 6:04:27 PM
neenerman$25.00$25.0011/2/2009 4:36:42 PM
wormdc$25.00$25.0011/2/2009 5:01:03 PM
tyson789$37.40$37.4011/2/2009 5:01:10 PM
wampum-chorus3$25.00$25.0011/2/2009 4:37:52 PM
johntina$50.00$50.0011/2/2009 5:55:51 PM
don8ter$60.00$60.0011/2/2009 4:40:50 PM
investment-builder0$50.00$50.0011/2/2009 4:42:18 PM
DukSerduk$25.00$25.0011/2/2009 7:00:57 PM
asset-numero-uno$100.00$100.0011/2/2009 4:44:00 PM
sas19$25.00$25.0011/2/2009 6:35:56 PM
RJN$25.00$25.0011/2/2009 7:09:39 PM
Mr_Money$25.00$25.0011/2/2009 7:10:50 PM
rawman$25.00$25.0011/2/2009 5:54:18 PM
honorable-treasure$25.00$25.0011/2/2009 5:58:55 PM
Tai$25.00$25.0011/3/2009 2:48:55 AM
get30inc$39.60$21.6811/3/2009 8:08:58 AM
blot44$50.00$50.0011/2/2009 7:12:39 PM
supersarah61$25.00$25.0011/3/2009 6:00:32 AM
d_grbg$25.00$25.0011/3/2009 7:59:52 AM
money-watcher$25.00$25.0011/3/2009 1:41:29 PM
WillingToHelpOut$25.00$25.0011/3/2009 4:56:32 PM
hawk357$25.00$25.0011/3/2009 8:21:33 PM
Loan_Stranger$50.00$50.0011/3/2009 4:54:13 PM
Iwantahelp$25.00$25.0011/3/2009 4:55:18 PM
zippy-coin$123.74$123.7411/4/2009 12:42:07 PM
Sjspector$30.00$30.0011/5/2009 7:50:06 AM
buckyhead2000$25.00$25.0011/5/2009 11:56:44 AM
hope-lionheart1$25.00$25.0011/5/2009 10:25:56 AM
lomaxz$50.00$50.0011/5/2009 1:59:25 PM
twjh$25.00$25.0011/5/2009 5:29:08 PM
bold-social-advantage$100.00$100.0011/5/2009 5:42:15 PM
bend2007$750.00$750.0011/5/2009 8:08:03 PM
Share-the-wealth$200.00$200.0011/6/2009 6:52:58 AM
bid-papyrus$25.00$25.0011/6/2009 6:18:52 AM
IceFisherman$100.00$100.0011/6/2009 9:35:12 AM
leverage-monger$50.00$50.0011/6/2009 9:33:36 AM
interstellar$50.00$50.0011/6/2009 11:19:50 AM
kulender$50.00$50.0011/6/2009 7:46:34 PM
outofoffice$50.00$50.0011/7/2009 5:22:07 AM
uncle101$25.00$25.0011/7/2009 4:51:42 AM
authoritative-social$25.00$25.0011/7/2009 5:22:09 AM
octoberfresh$25.00$25.0011/7/2009 6:59:02 AM
durability-colonel$50.00$50.0011/7/2009 10:34:23 AM
buffalobills$25.00$25.0011/7/2009 8:45:16 AM
Russh$25.00$25.0011/7/2009 4:58:25 PM
AlwaysA-Chief$50.00$50.0011/7/2009 12:38:30 PM
publiux$25.00$25.0011/7/2009 12:53:05 PM
NorthlandAlchemist$75.00$75.0011/7/2009 5:44:21 PM
dmitriy2$25.00$25.0011/6/2009 6:44:52 PM
Steveoo1$25.00$25.0011/6/2009 8:12:10 PM
ltlsprite3$50.00$50.0011/7/2009 6:34:05 PM
lender124$50.00$50.0011/8/2009 8:30:58 AM
Feyenoord$25.00$25.0011/8/2009 12:33:42 PM
rakey$25.00$25.0011/8/2009 7:53:43 PM
rakey$25.00$25.0011/8/2009 7:53:50 PM
emunah6$25.00$25.0011/8/2009 8:04:13 PM
101010$50.00$50.0011/9/2009 6:41:50 AM
repayment-chef$25.00$25.0011/9/2009 7:26:29 AM
well-mannered-income3$25.00$25.0011/9/2009 7:33:09 AM
MNMAN21$55.00$55.0011/9/2009 9:58:45 AM
mclean_loaner$50.00$50.0011/8/2009 3:51:36 PM
rubylender$25.00$25.0011/8/2009 5:47:39 PM
knark$25.00$25.0011/8/2009 6:07:51 PM
JerryB96$25.00$25.0011/8/2009 8:24:01 PM
Nasdaq$50.00$50.0011/9/2009 3:17:18 PM
JPOPP$25.00$25.0011/9/2009 7:23:50 AM
janus_god$29.83$29.8311/9/2009 8:42:04 AM
QsDad$25.00$25.0011/9/2009 1:38:43 PM
grasscutter$50.00$50.0011/9/2009 2:42:23 PM
Kelor99$25.00$25.0011/9/2009 3:58:55 PM
219 bids
 
Borrower Payment Dependent Notes Series 431359
This series of Notes was issued and sold upon the funding of the borrower loan #39492, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-02-2009 
  Auction end date:  Nov-09-2009 
 
Starting lender yield: 30.32% Starting borrower rate/APR: 31.32% / 33.72% Starting monthly payment: $215.89
Final lender yield: 30.32% Final borrower rate/APR: 31.32% / 33.72% Final monthly payment: $215.89
 
Auction yield range: 11.29% - 30.32% Estimated loss impact: 10.77%  
Lender servicing fee: 1.00% Estimated return: 19.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: May-2003 Debt/Income ratio: 14%
Credit score: 680-699 (Oct-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:5y 8m
Amount delinquent: $0 Revolving credit balance: $7,126 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: diligent-gain8 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
Paying off my credit cards
Purpose of loan:
This loan will be used to paying off my credit cards, and consolidate them in one payment, in order to save money interest, and pay them faster.

My financial situation:
I am a good candidate for this loan because I have a permanent job with the Local Government for?more than 5 years,? giving me financial stability, and 37K/Yr verifiable W2 income to make the payments on time, also I have learned how to organize my financial drawers accordingly, and always willing to learn about financial education. Plus approx $5-6k/yr in additional income from bedroom rental.
Monthly net income: $ 2,281.00

Monthly expenses: $ 1,800.00
??Housing: $ 834.00
??Insurance: $
??Car expenses: $?
??Utilities: $?140.00
??Phone, cable, internet: $??136.00
??Food, entertainment: $ 280
??Clothing, household expenses $
??Credit cards and other loans: $ 250.00
??Other expenses: $ 160

undefinedundefinedundefinedundefinedundefinedundefined 
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
BidderAmount BidAmount WinningBid Date (PT)
3am-preacher$25.00$25.0011/2/2009 4:20:27 PM
efficient-principal$25.00$25.0011/2/2009 4:35:08 PM
101010$75.00$75.0011/3/2009 5:51:22 AM
well-mannered-income3$25.00$25.0011/3/2009 9:13:34 AM
forthright-dedication$25.00$25.0011/3/2009 8:49:21 PM
efficient-principal$100.00$100.0011/5/2009 2:18:46 PM
reflective-rupee$100.00$100.0011/7/2009 7:16:47 AM
reflective-rupee$100.00$100.0011/7/2009 7:17:01 AM
reflective-rupee$100.00$100.0011/7/2009 7:17:13 AM
reflective-rupee$100.00$100.0011/7/2009 7:18:01 AM
szetheli$117.00$117.0011/8/2009 4:35:50 PM
dragonflywings$25.00$25.0011/9/2009 9:16:11 AM
silverloan$50.00$50.0011/9/2009 9:24:00 AM
SFBank$200.00$200.0011/8/2009 5:47:16 PM
wise-spirited-nickel$200.00$200.0011/9/2009 12:38:58 PM
attractive-value$25.00$25.0011/9/2009 1:32:03 PM
vivacious-p2p3$25.00$25.0011/9/2009 8:55:01 AM
Engineer44$33.95$33.9511/9/2009 4:03:43 PM
JustMee$389.56$194.1911/9/2009 12:23:47 PM
just-trade0$36.00$36.0011/9/2009 2:57:44 PM
TakeCare$25.00$25.0011/9/2009 3:41:24 PM
wildguy$25.00$25.0011/2/2009 4:24:46 PM
SweetHoneyPot$25.00$25.0011/2/2009 4:15:27 PM
flexible-economy2$25.00$25.0011/2/2009 4:33:58 PM
reflective-rupee$25.00$25.0011/2/2009 5:00:28 PM
reflective-rupee$290.00$290.0011/2/2009 5:10:17 PM
reflective-rupee$100.00$100.0011/2/2009 5:00:49 PM
reflective-rupee$875.00$875.0011/2/2009 5:06:03 PM
felicity-daydream$25.00$25.0011/3/2009 7:24:48 AM
TNPCapital$25.00$25.0011/6/2009 4:42:33 PM
reflective-rupee$100.00$100.0011/7/2009 7:17:46 AM
hellasow$25.00$25.0011/7/2009 5:27:24 AM
bdruss$25.00$25.0011/7/2009 6:03:46 AM
durability-colonel$50.00$50.0011/7/2009 10:44:28 AM
enthusiastic-balance5$200.00$200.0011/8/2009 7:25:19 AM
reflective-rupee$100.00$100.0011/7/2009 9:46:51 PM
JustMee$75.00$75.0011/8/2009 4:51:43 AM
wildanne$50.00$50.0011/8/2009 11:37:52 AM
reflective-rupee$100.00$100.0011/7/2009 7:17:31 AM
lender12345$25.00$25.0011/8/2009 10:36:57 AM
mt3209$25.00$25.0011/8/2009 5:49:29 PM
theonezozo$25.00$25.0011/8/2009 6:58:28 PM
gelt4u$25.00$25.0011/9/2009 5:20:46 AM
a-finance-nirvana$200.00$200.0011/9/2009 5:29:05 AM
exciting-fairness$150.00$150.0011/9/2009 11:29:08 AM
quest0$28.86$28.8611/9/2009 3:01:07 PM
jybank$25.00$25.0011/9/2009 3:14:38 PM
reflective-rupee$500.00$500.0011/9/2009 9:36:29 AM
Evolver$50.00$50.0011/9/2009 12:26:51 PM
DasMula$100.00$100.0011/9/2009 12:44:57 PM
gold-cluster$100.00$100.0011/9/2009 1:41:55 PM
51 bids
 
Borrower Payment Dependent Notes Series 431387
This series of Notes was issued and sold upon the funding of the borrower loan #39503, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Nov-02-2009 
  Auction end date:  Nov-09-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 33.70% Final borrower rate/APR: 34.70% / 38.85% Final monthly payment: $45.07
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 15.56%  
Lender servicing fee: 1.00% Estimated return: 18.14%  
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: Jan-2003 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $3,226 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 138%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: hopeful-listing 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
Short Term Loan for Business Ed.
Purpose of loan:
I will be using this loan to purchase the educational material I need for my start-up real estate business. I am starting full-time work for a regular employer Monday November 2, so its repayment does not rely on my business success.

My financial situation:
I am responsible with my finances, pay all my bills on time, have no outstanding payments, and my current income exceeds my monthly expenses sufficiently to make on time payments on another loan. I have successfully paid off a personal loan of $1000 as well as a $15,000 car loan in the past. I have been unemployed for the last 6 months but am responsible enough with my savings that I was able to survive it without running into financial trouble. I currently live with my fiancee of four years so the numbers below are our combined finances from my financial statement.

Monthly net income: $ 2830

Monthly expenses: $ 2459
??Housing: $ 889
??Insurance: $ 185
??Car expenses: $ 150
??Utilities: $ 105
??Phone, cable, internet: $ 125
??Food, entertainment: $ 500
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 305
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/2/2009 5:00:30 PM
lib5836$25.00$25.0011/5/2009 6:59:31 PM
RochelleW$25.00$25.0011/6/2009 9:22:38 AM
eman48$36.69$36.6911/6/2009 5:46:22 AM
sknop64$25.00$25.0011/7/2009 6:38:55 PM
reflective-rupee$25.00$25.0011/7/2009 9:12:11 PM
reflective-rupee$25.00$25.0011/7/2009 9:12:48 PM
Pintu_Desai$25.00$25.0011/8/2009 11:06:05 AM
marwadi-62$25.00$25.0011/8/2009 6:03:38 PM
rakey$25.00$25.0011/8/2009 8:09:21 PM
jazz619$25.00$25.0011/7/2009 8:01:58 PM
gold-cluster$100.00$100.0011/9/2009 8:17:09 AM
glenium$25.00$25.0011/9/2009 10:07:11 AM
Ronnieboy888$25.00$25.0011/9/2009 10:10:10 AM
eman48$62.97$62.9711/3/2009 1:23:59 PM
fillholdingsllc$25.00$25.0011/5/2009 5:48:27 PM
brondero$100.00$100.0011/6/2009 6:26:13 PM
pani5ue$25.00$25.0011/7/2009 10:21:06 AM
productive-currency3$25.00$25.0011/7/2009 9:07:55 PM
reflective-rupee$25.00$25.0011/7/2009 9:12:32 PM
reflective-rupee$25.00$25.0011/7/2009 9:13:17 PM
IPG1$25.00$25.0011/7/2009 5:30:26 AM
TakeCare$25.00$25.0011/8/2009 9:25:13 AM
Feyenoord$25.00$25.0011/8/2009 1:08:30 PM
Trespass4$60.00$60.0011/9/2009 5:03:22 AM
tashara$25.00$25.0011/8/2009 8:33:50 AM
loan-eagle9$25.00$25.0011/9/2009 10:45:17 AM
affluence-cargo$36.65$15.3411/9/2009 3:38:05 PM
kinetic-social$25.00$25.0011/9/2009 3:53:22 PM
well-mannered-income3$25.00$25.0011/9/2009 9:38:22 AM
GS-ROCK$25.00$25.0011/9/2009 2:59:48 PM
31 bids
 
Borrower Payment Dependent Notes Series 431485
This series of Notes was issued and sold upon the funding of the borrower loan #39493, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-02-2009 
  Auction end date:  Nov-09-2009 
 
Starting lender yield: 8.17% Starting borrower rate/APR: 9.17% / 9.51% Starting monthly payment: $127.52
Final lender yield: 6.20% Final borrower rate/APR: 7.20% / 7.54% Final monthly payment: $123.87
 
Auction yield range: 3.29% - 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: Sep-1983 Debt/Income ratio: 11%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 13 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:8y 11m
Amount delinquent: $0 Revolving credit balance: $7,489 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 31%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: computer0 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
Taking a Vacation
Purpose of loan:
This loan will be used to?Take my husband on a vacation for our 25th wedding anniversary.?

My financial situation:
I am a good candidate for this loan because? I have great credit and a decent income.?? I have worked in the same line of work for many years.?? I have lived in the same location for many years.?? I have paid off?many loans early or on time...never late.?? I have never had a?legitimate?late payment on any debt.?? My old mortgage may show 1,? but that should have been corrected many years ago.?? When we had a mortgage on our house on Locust Lane,?Citibank bought Chase (or vice versa...I don't remember which) and they said my mortage payment was lost?the month they did their merger.?? This was not true and I was able to show them the?endorsement on the back of the check.?? It showed the bank did in fact cash the check before the due date of the payment and so?it was to be corrected.

Lastly, my company uses a employment verification company.?? For you to get my employment status, salary, etc.?? I need to give you a few pieces of information.?? The company is Fiserv.?? The Company code is 10165.?? You will then need my social security number which you have and the salary key....847953.
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
BidderAmount BidAmount WinningBid Date (PT)
transparency-giant$50.00$50.0011/2/2009 4:12:29 PM
responsibility-butterfly$25.00$25.0011/2/2009 4:18:46 PM
DonaldColorado$25.00$25.0011/2/2009 4:12:22 PM
racing777$25.00$25.0011/2/2009 4:14:06 PM
BlindProphet$25.00$25.0011/2/2009 4:28:08 PM
uncleegg$25.00$25.0011/2/2009 4:25:56 PM
kenji4861$50.00$50.0011/2/2009 4:26:08 PM
dionysus03$25.00$25.0011/2/2009 4:29:05 PM
kchen486$25.00$25.0011/2/2009 4:29:12 PM
AF-Chief$35.00$35.0011/2/2009 4:26:51 PM
bchen78875$50.00$50.0011/2/2009 4:28:00 PM
gracej$25.00$25.0011/2/2009 4:28:25 PM
lucrative-worth$25.00$25.0011/2/2009 4:31:20 PM
elegant-bonus$25.00$25.0011/2/2009 4:28:51 PM
Fortuno_per_commodo$50.00$50.0011/2/2009 4:31:32 PM
wise-spirited-nickel$25.00$25.0011/2/2009 4:31:36 PM
financial-frenzy$25.00$25.0011/2/2009 4:32:05 PM
gentle-gold$25.00$25.0011/2/2009 4:29:36 PM
CULPEPPERGROUP$25.00$25.0011/2/2009 4:30:17 PM
value-pouch$25.00$25.0011/2/2009 4:35:16 PM
spin-kick$25.00$25.0011/2/2009 4:33:01 PM
djh47a$40.00$40.0011/2/2009 4:33:31 PM
slartibardfast$35.00$35.0011/2/2009 4:26:22 PM
miked8303$25.00$25.0011/2/2009 4:34:10 PM
wrighco$25.00$25.0011/2/2009 4:27:04 PM
Jassi$25.00$25.0011/2/2009 4:34:35 PM
top-trade-chihuahua$25.00$25.0011/2/2009 4:34:51 PM
mamayama$25.00$25.0011/2/2009 4:29:01 PM
JGB$25.00$25.0011/2/2009 4:29:45 PM
TandyJames$50.00$50.0011/2/2009 4:30:01 PM
ytjameslee$50.00$50.0011/2/2009 4:30:26 PM
nuclearmoose$25.00$25.0011/2/2009 4:30:41 PM
emo13$50.00$50.0011/2/2009 4:31:48 PM
taxdiscusion$25.00$25.0011/2/2009 4:31:54 PM
Masterlender$25.00$25.0011/2/2009 4:32:02 PM
TakeCare$100.00$100.0011/2/2009 4:33:35 PM
mikeandcat$50.00$50.0011/2/2009 4:34:04 PM
blue-liberty-gourd$25.00$25.0011/2/2009 4:34:06 PM
dinero-philosopher3$25.00$25.0011/2/2009 4:34:55 PM
GeoLender$25.00$25.0011/2/2009 6:14:12 PM
GeoLender$25.00$25.0011/2/2009 6:15:08 PM
cloud8$40.00$40.0011/5/2009 9:10:40 PM
IceFisherman$50.00$50.0011/6/2009 9:35:13 AM
MoneyForNothing$25.00$25.0011/6/2009 4:25:39 PM
Doohickey415$30.00$30.0011/7/2009 11:53:16 PM
hellasow$50.00$50.0011/7/2009 5:37:30 AM
kulender$100.00$100.0011/9/2009 6:30:06 AM
Dollars4Rent$25.00$25.0011/9/2009 8:36:23 AM
YummiBear$25.00$25.0011/8/2009 5:41:43 PM
HealthAndSafety$50.00$50.0011/8/2009 6:15:18 PM
The-Lighthouse-Group$25.00$25.0011/8/2009 7:03:39 PM
wwwUniversal$25.00$25.0011/9/2009 3:52:33 PM
John_14_6$25.00$25.0011/9/2009 10:32:45 AM
five-star-note$25.00$25.0011/2/2009 4:13:14 PM
rdrloan$25.00$25.0011/2/2009 4:13:25 PM
kanakakm$50.00$50.0011/2/2009 4:26:45 PM
a-responsible-return$25.00$25.0011/2/2009 4:26:59 PM
abidos$25.00$25.0011/2/2009 4:27:29 PM
Havana21$50.00$50.0011/2/2009 4:28:44 PM
supersarah61$25.00$25.0011/2/2009 4:26:02 PM
Attract$25.00$25.0011/2/2009 4:26:27 PM
Tai$25.00$25.0011/2/2009 4:26:40 PM
bonus-antioxidant$25.00$25.0011/2/2009 4:30:19 PM
Weaverville$25.00$25.0011/2/2009 4:27:47 PM
dparkhom$25.00$25.0011/2/2009 4:30:49 PM
Cheburashka$30.00$30.0011/2/2009 4:32:28 PM
thedoctor$25.00$25.0011/2/2009 4:35:28 PM
aldenrains$25.00$25.0011/2/2009 4:32:31 PM
greenbackologist$25.00$25.0011/2/2009 4:34:37 PM
personal-lender$25.00$25.0011/2/2009 4:27:38 PM
compoundinterest$49.95$49.9511/2/2009 4:28:18 PM
Walkingcowboy$25.00$25.0011/2/2009 4:28:28 PM
goofy15975$25.00$25.0011/2/2009 4:28:42 PM
trident9$50.00$50.0011/2/2009 4:29:20 PM
neighborly-hope6$100.00$100.0011/2/2009 4:29:28 PM
generosity-neutrino$25.00$25.0011/2/2009 4:29:53 PM
fervent-repayment$25.00$25.0011/2/2009 4:30:04 PM
HappyToLoan$25.00$25.0011/2/2009 4:44:25 PM
orbiter614$75.00$75.0011/2/2009 4:31:00 PM
iruz$50.00$50.0011/2/2009 4:31:10 PM
ethicalhumanist$25.00$25.0011/2/2009 4:31:31 PM
justice-dna$35.00$35.0011/2/2009 4:32:22 PM
CarDealer3070$50.00$50.0011/2/2009 4:32:34 PM
SonomaHills$25.00$25.0011/2/2009 4:32:43 PM
tyson789$100.00$100.0011/2/2009 4:33:11 PM
Teminole$25.00$25.0011/2/2009 4:33:17 PM
inspired-agreement$25.00$25.0011/2/2009 4:35:02 PM
SnE$25.00$5.0511/2/2009 4:35:38 PM
GeoLender$25.00$25.0011/2/2009 6:14:31 PM
MoneyTree79$150.00$150.0011/2/2009 5:56:29 PM
GeoLender$25.00$25.0011/2/2009 6:14:46 PM
blot44$100.00$100.0011/2/2009 7:14:47 PM
F_r_e_d_s__B_a_n_k$100.00$100.0011/2/2009 4:49:16 PM
FundMaker$25.00$25.0011/4/2009 11:09:43 AM
SchaeferJ$25.00$25.0011/5/2009 11:29:51 AM
PBanker$25.00$25.0011/6/2009 11:19:03 AM
octoberfresh$25.00$25.0011/7/2009 6:59:41 AM
billnsc$25.00$25.0011/7/2009 5:43:22 PM
Patrician$100.00$100.0011/9/2009 6:09:54 AM
swissbanker$50.00$50.0011/9/2009 7:54:30 AM
rakey$25.00$25.0011/9/2009 6:37:44 AM
Dollars4Rent$25.00$25.0011/9/2009 11:34:54 AM
Syzygy$25.00$25.0011/9/2009 2:40:00 PM
Banker3119$25.00$25.0011/9/2009 5:39:00 AM
wild-orange$200.00$200.0011/9/2009 4:00:30 PM
105 bids
 
Borrower Payment Dependent Notes Series 431511
This series of Notes was issued and sold upon the funding of the borrower loan #39480, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-03-2009 
  Auction end date:  Nov-10-2009 
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 30.08% Starting monthly payment: $61.62
Final lender yield: 24.15% Final borrower rate/APR: 25.15% / 27.72% Final monthly payment: $59.76
 
Auction yield range: 11.29% - 26.47% Estimated loss impact: 10.59%  
Lender servicing fee: 1.00% Estimated return: 13.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Jul-1988 Debt/Income ratio: 40%
Credit score: 720-739 (Oct-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:23y 9m
Amount delinquent: $0 Revolving credit balance: $21,111 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: jetsons6866 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
Looking for a lower interest rate
Purpose of loan:
This loan will be used to? Payoff my HSBC Card currently @ 29%

My financial situation:
We have a stable financial picture, I have been continously employed for 23 years at the same employer & my spouse has been employed by the legal field continously for over 20 years also. We would like to begin using prosper as a way to lower our interest rate on revolving debt and eventually have all of our revolving debt paid off.
Monthly net income: $ 3300

Monthly expenses: $ 2610
??Housing: $?rent is paid by spouse
??Insurance: $?paid by employer
??Car expenses: $?800
??Utilities: $?275
??Phone, cable, internet: $125
??Food, entertainment: $?300
??Clothing, household expenses $ 500
??Credit cards and other loans: $?285
??Other expenses: $ 325
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
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/6/2009 10:05:52 AM
CatbirdBanking$25.00$25.0011/7/2009 8:21:11 PM
admirable-credit$25.00$25.0011/9/2009 5:34:02 PM
meers2000$25.00$25.0011/9/2009 6:37:47 PM
kindness-jedi$50.00$50.0011/10/2009 4:55:25 AM
lender12345$50.00$50.0011/10/2009 6:21:41 AM
LendingHelper$50.00$50.0011/10/2009 8:31:21 AM
Student_Capital$50.00$50.0011/10/2009 10:38:49 AM
payout-reaction740$25.00$25.0011/10/2009 12:54:15 PM
bobnewt$50.00$50.0011/10/2009 9:04:43 AM
Taho$40.00$40.0011/10/2009 3:46:11 PM
reflective-rupee$25.00$25.0011/10/2009 3:55:58 PM
Unitas4302$100.00$100.0011/7/2009 8:38:03 AM
pbnjelly$25.38$25.3811/7/2009 7:31:37 PM
well-mannered-income3$25.00$25.0011/7/2009 5:40:33 PM
4mydaughterseducation$25.00$25.0011/9/2009 7:05:09 PM
Rulea72$75.00$75.0011/10/2009 7:04:18 AM
Gobsek$25.00$25.0011/10/2009 8:16:31 AM
Feyenoord$25.00$25.0011/10/2009 10:21:22 AM
meggo33$25.00$25.0011/10/2009 11:22:05 AM
lnrn$25.00$25.0011/10/2009 3:33:41 PM
bitano$50.00$50.0011/10/2009 3:38:40 PM
leverage-monger$300.00$300.0011/10/2009 3:51:07 PM
reflective-rupee$100.00$100.0011/10/2009 3:55:37 PM
leverage-monger$200.00$4.6211/10/2009 3:57:42 PM
preventivepestcontrol$50.00$50.0011/10/2009 10:16:24 AM
Clicktogetmoney$30.00$30.0011/10/2009 11:39:53 AM
dorypro$25.00$25.0011/10/2009 12:41:11 PM
beans53$25.00$25.0011/10/2009 1:28:58 PM
TakeCare$25.00$25.0011/10/2009 2:19:15 PM
a-finance-nirvana$100.00$100.0011/10/2009 3:23:30 PM
31 bids
 
Borrower Payment Dependent Notes Series 431633
This series of Notes was issued and sold upon the funding of the borrower loan #39505, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-03-2009 
  Auction end date:  Nov-10-2009 
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 31.43% Starting monthly payment: $41.08
Final lender yield: 26.47% Final borrower rate/APR: 27.47% / 31.43% Final monthly payment: $41.08
 
Auction yield range: 11.29% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Oct-2009) Current / open credit lines: 2 / 2Employment status:Self-employed
Now delinquent: 0 Total credit lines: 7Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: listing-wahoo Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Working capital for distribution
Purpose of loan:
Working capital for movie Distribution Company. The money will be used to pay for advertising and production cost of replicating DVD's, Blu-Ray, art work, promotional material and marketing of movie titles.Advertising in Media Magazines
Replication of single movie
Packaging Material

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
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/3/2009 4:22:10 PM
forthright-dedication$25.00$25.0011/4/2009 10:39:59 AM
hellasow$25.00$25.0011/5/2009 12:11:21 PM
reflective-rupee$25.00$25.0011/6/2009 10:06:00 AM
Unitas4302$50.00$50.0011/7/2009 8:59:04 AM
carrinel$50.00$50.0011/9/2009 4:26:00 PM
mt3209$25.00$25.0011/9/2009 5:47:18 PM
DJReflections$25.00$25.0011/9/2009 7:28:29 PM
well-mannered-income3$25.00$25.0011/9/2009 8:26:23 PM
a-finance-nirvana$200.00$200.0011/9/2009 5:32:50 PM
IPG1$25.00$25.0011/10/2009 8:31:19 AM
edts13$50.00$50.0011/10/2009 12:19:59 PM
well-mannered-income3$25.00$25.0011/10/2009 2:17:50 PM
TakeCare$25.00$25.0011/10/2009 2:28:26 PM
kind-funds-tonic$25.00$25.0011/10/2009 10:04:03 AM
kinetic-social$30.00$30.0011/10/2009 3:54:19 PM
preventivepestcontrol$25.00$25.0011/10/2009 10:41:04 AM
SweetHomeChicago$212.07$212.0711/9/2009 12:32:34 PM
lib5836$25.00$25.0011/9/2009 4:27:20 PM
Investor704$50.00$50.0011/9/2009 7:16:00 PM
Bomber$26.00$26.0011/10/2009 10:32:13 AM
shazaamomight$25.00$6.9311/10/2009 10:51:17 AM
22 bids
 
Borrower Payment Dependent Notes Series 431641
This series of Notes was issued and sold upon the funding of the borrower loan #39486, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-03-2009 
  Auction end date:  Nov-10-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
Final lender yield: 33.00% Final borrower rate/APR: 34.00% / 36.44% Final monthly payment: $156.35
 
Auction yield range: 11.29% - 34.00% Estimated loss impact: 10.84%  
Lender servicing fee: 1.00% Estimated return: 22.16%  
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: 8 First credit line: Jan-1994 Debt/Income ratio: 45%
Credit score: 640-659 (Oct-2009) Current / open credit lines: 18 / 18Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $8,797 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: platinum-announcer Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Looking to consolidate credit cards
Purpose of loan:
This loan will be used to? Consolidate?several high rate?credit cards into one manageable payment and actually pay it down!.? I had some medical bills which I had to put on credit cards after my insurance paid its portion.? I hated doing that but did not want to kill my credit report.? I have worked hard to have a good credit report with no late payments.? The score took a hit (even though its still not bad..pulled all three and the avg score is 689) due to the credit card usage.
My financial situation:
I am a good candidate for this loan because? Full time long term stable employment, good credit rating, always pay my bills on time each month.

Monthly net income: $ 3375.00

Monthly expenses: $
??Housing: $?125 (receive 675/month from roommates)
??Insurance: $ 60
??Car expenses: $ 265
??Utilities: $ 150
??Phone, cable, internet: $ 75
??Food, entertainment: $ 350
??Clothing, household expenses $ 50
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/3/2009 4:22:11 PM
felicity-daydream$25.00$25.0011/3/2009 5:48:44 PM
KMSB$25.00$25.0011/3/2009 4:15:34 PM
BradP$50.00$50.0011/5/2009 11:56:29 AM
GCSS$25.00$25.0011/6/2009 6:19:18 AM
reflective-rupee$100.00$100.0011/6/2009 9:24:40 PM
101010$25.00$25.0011/6/2009 9:35:29 PM
productive-currency3$25.00$25.0011/7/2009 8:53:17 AM
reflective-rupee$100.00$100.0011/6/2009 9:24:52 PM
101010$25.00$25.0011/6/2009 9:35:51 PM
SeaSkyGuy71$25.00$25.0011/8/2009 10:26:15 AM
carrinel$100.00$100.0011/9/2009 4:27:39 PM
reflective-rupee$25.00$25.0011/9/2009 8:31:44 PM
shrewd-income$25.00$25.0011/9/2009 10:38:55 PM
slatz1nick$25.00$25.0011/9/2009 10:51:16 PM
lender12345$25.00$25.0011/10/2009 6:22:34 AM
balance-warrior$25.00$25.0011/10/2009 7:49:30 AM
LendingHelper$77.45$77.4511/10/2009 8:34:00 AM
reflective-rupee$50.00$50.0011/10/2009 8:57:33 AM
reflective-rupee$50.00$50.0011/10/2009 8:58:30 AM
icess285$25.00$25.0011/9/2009 7:22:00 PM
jybank$25.00$25.0011/10/2009 9:59:35 AM
credit-elation1$25.00$25.0011/10/2009 10:34:25 AM
mt3209$25.00$25.0011/9/2009 10:41:20 PM
exciting-fairness$150.00$150.0011/10/2009 4:43:31 AM
just-trade0$36.00$36.0011/10/2009 12:06:04 PM
sharp518$25.00$25.0011/10/2009 6:00:03 AM
sturdy-peace9$50.00$50.0011/10/2009 6:11:03 AM
Tahoeman$25.00$25.0011/10/2009 1:04:19 PM
well-mannered-income3$25.00$25.0011/10/2009 2:25:04 PM
quest0$25.00$25.0011/10/2009 2:35:52 PM
reflective-rupee$50.00$50.0011/10/2009 8:57:55 AM
bitano$35.37$35.3711/10/2009 3:42:46 PM
Rip128$50.00$50.0011/10/2009 12:22:59 PM
credit-missile$100.00$100.0011/10/2009 1:41:07 PM
credit-missile$50.00$50.0011/10/2009 3:07:21 PM
Engineer44$32.00$32.0011/10/2009 3:58:44 PM
wildguy$25.00$25.0011/3/2009 4:29:44 PM
well-mannered-income3$25.00$25.0011/4/2009 7:42:15 AM
forthright-dedication$25.00$25.0011/4/2009 10:43:36 AM
reflective-rupee$100.00$100.0011/6/2009 9:24:16 PM
101010$75.00$75.0011/6/2009 9:34:03 PM
hellasow$25.00$25.0011/7/2009 6:11:18 AM
reflective-rupee$100.00$100.0011/6/2009 9:24:27 PM
CatbirdBanking$25.00$25.0011/7/2009 9:13:49 PM
Kqwik$40.00$40.0011/9/2009 5:06:02 PM
a-finance-nirvana$100.00$100.0011/9/2009 5:33:49 PM
enthusiastic-balance5$300.00$300.0011/10/2009 4:14:06 AM
Get56$25.00$25.0011/10/2009 5:11:03 AM
Unitas4302$150.00$150.0011/10/2009 5:53:39 AM
Rulea72$50.00$50.0011/10/2009 7:06:29 AM
umfan123$27.58$27.5811/10/2009 6:41:33 AM
vivacious-p2p3$25.00$25.0011/10/2009 6:54:09 AM
reflective-rupee$50.00$50.0011/10/2009 8:57:20 AM
reflective-rupee$50.00$50.0011/10/2009 8:59:19 AM
Feyenoord$25.00$25.0011/10/2009 10:26:11 AM
reflective-rupee$50.00$50.0011/9/2009 11:06:26 PM
a-reasonable-return$25.00$25.0011/10/2009 11:59:57 AM
StargazerLending$25.00$25.0011/10/2009 12:30:42 PM
gold-cluster$100.00$76.7611/10/2009 5:57:01 AM
Bobusa$25.00$25.0011/10/2009 12:38:04 PM
bettndon$50.00$50.0011/10/2009 6:06:25 AM
payout-reaction740$25.00$25.0011/10/2009 12:59:33 PM
FrogAndToad$25.00$25.0011/10/2009 2:00:48 PM
reflective-rupee$50.00$50.0011/10/2009 8:58:14 AM
reflective-rupee$50.00$50.0011/10/2009 8:59:36 AM
winger66$57.89$57.8911/10/2009 3:06:02 PM
preventivepestcontrol$50.00$50.0011/10/2009 10:20:22 AM
edts13$50.00$50.0011/10/2009 12:12:11 PM
TakeCare$25.00$25.0011/10/2009 2:21:22 PM
lnrn$25.00$25.0011/10/2009 3:36:22 PM
Taho$41.95$41.9511/10/2009 3:47:17 PM
72 bids
 
Borrower Payment Dependent Notes Series 431681
This series of Notes was issued and sold upon the funding of the borrower loan #39494, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-03-2009 
  Auction end date:  Nov-10-2009 
 
Starting lender yield: 21.15% Starting borrower rate/APR: 22.15% / 24.42% Starting monthly payment: $191.34
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $186.07
 
Auction yield range: 8.29% - 21.15% 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: Dec-1982 Debt/Income ratio: 33%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 15 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:9y 2m
Amount delinquent: $0 Revolving credit balance: $29,558 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: agreement-tranquility Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I pay all my debts. I will be able to pay this bill off in 12 months and it can be withdrawn from my checking account monthly.?????

Monthly net income: $ 3,300 plus I work other jobs coaching and?driving extracurricular bus?that nets another $400 to $600?a month.
my spouses monthly net income is $2900
Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ 1600
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Rogesparkguy$25.00$25.0011/3/2009 4:00:47 PM
twirl2$25.00$25.0011/3/2009 4:02:44 PM
power-flow6$25.00$25.0011/3/2009 4:03:09 PM
credit-force5$25.00$25.0011/3/2009 4:03:47 PM
fortytwo$150.00$150.0011/3/2009 4:01:07 PM
a-finance-nirvana$100.00$100.0011/3/2009 4:04:03 PM
fllender$25.00$25.0011/3/2009 4:04:41 PM
justice-dna$25.00$25.0011/3/2009 4:04:57 PM
EnigmaNYC-29$25.00$25.0011/3/2009 4:05:17 PM
get30inc$25.00$25.0011/3/2009 4:05:35 PM
wise-extraordinary-loot$30.00$30.0011/3/2009 4:05:53 PM
blue-liberty-gourd$25.00$25.0011/3/2009 4:03:16 PM
YogaDude34$50.00$50.0011/3/2009 4:06:05 PM
Lightlife$50.00$50.0011/3/2009 4:03:55 PM
Clambake$50.00$50.0011/3/2009 4:06:49 PM
revenue-kazoo$25.00$25.0011/3/2009 4:06:55 PM
swoosh$25.00$25.0011/3/2009 4:07:00 PM
MissionMicroFinance$25.00$25.0011/3/2009 4:07:06 PM
credit-kahuna$100.00$100.0011/3/2009 4:04:38 PM
sloan$25.00$25.0011/3/2009 4:07:24 PM
ianakacg$25.00$25.0011/3/2009 4:07:32 PM
westsidehighway$25.00$25.0011/3/2009 4:07:45 PM
xstreamin$25.00$25.0011/3/2009 4:07:52 PM
laredotornado$25.00$25.0011/3/2009 4:07:55 PM
cpaphoto$25.00$25.0011/3/2009 4:07:57 PM
jdrez$25.00$25.0011/3/2009 4:08:00 PM
spitzbergen$25.00$25.0011/3/2009 4:05:43 PM
SNH$50.00$50.0011/3/2009 4:06:28 PM
yield-lion$25.00$25.0011/3/2009 4:06:52 PM
bchen78875$25.00$25.0011/3/2009 4:07:19 PM
socialbanker$25.00$25.0011/3/2009 4:07:39 PM
mstebnicki$25.00$25.0011/3/2009 4:07:50 PM
Weaverville$25.00$25.0011/3/2009 4:01:13 PM
skuba$25.00$25.0011/3/2009 4:01:15 PM
mikrolown$25.00$25.0011/3/2009 4:01:46 PM
efficient-principal$25.00$25.0011/3/2009 4:01:52 PM
Aimvest$25.00$25.0011/3/2009 4:03:07 PM
gentle-gold$25.00$25.0011/3/2009 4:03:13 PM
currency-cigar4$25.00$25.0011/3/2009 4:03:24 PM
point-shooter$25.00$25.0011/3/2009 4:04:10 PM
Wangersinc$25.00$25.0011/3/2009 4:05:48 PM
gracej$25.00$25.0011/3/2009 4:06:17 PM
Artist_Blue$25.00$25.0011/3/2009 4:06:39 PM
radiant-fund$25.00$25.0011/3/2009 4:07:05 PM
poeman$25.00$25.0011/3/2009 4:07:47 PM
ThomasCrown$30.00$30.0011/3/2009 4:07:58 PM
portfolio-turbine$25.00$25.0011/3/2009 7:20:28 PM
mdreiss$25.00$25.0011/4/2009 4:50:18 AM
wildguy$25.00$25.0011/4/2009 4:51:45 AM
well-mannered-income3$25.00$25.0011/5/2009 7:04:18 PM
Lefty_the_Lender$50.00$50.0011/5/2009 9:01:02 PM
building_community$25.00$25.0011/6/2009 8:44:59 PM
FinanceEngine$25.00$25.0011/6/2009 4:36:15 PM
site_ml$25.00$25.0011/6/2009 6:31:08 PM
revenue-serenity$25.00$25.0011/7/2009 8:32:05 PM
investment-daydream$25.00$25.0011/8/2009 6:08:03 PM
AuroraRobbin$50.00$50.0011/9/2009 12:01:54 PM
enthusiastic-market2$50.00$50.0011/9/2009 4:21:56 PM
fuzed$25.00$25.0011/9/2009 5:21:01 PM
Helenska11$25.00$25.0011/9/2009 5:34:09 PM
Feyenoord$25.00$25.0011/10/2009 10:28:37 AM
MrOglesby$25.00$25.0011/10/2009 11:59:50 AM
a-reasonable-return$25.00$25.0011/10/2009 12:21:35 PM
Engineer44$32.99$32.9911/10/2009 3:59:47 PM
five-star-note$25.00$25.0011/3/2009 4:01:18 PM
miked8303$25.00$25.0011/3/2009 4:01:42 PM
gold-sushi$25.00$25.0011/3/2009 4:01:54 PM
SnE$25.00$25.0011/3/2009 4:02:02 PM
Heatguy$25.00$25.0011/3/2009 4:02:39 PM
108lender$200.00$200.0011/3/2009 4:02:54 PM
elegant-bonus$25.00$25.0011/3/2009 4:03:03 PM
contract-neutron$25.00$25.0011/3/2009 4:03:20 PM
puifais$25.00$25.0011/3/2009 4:00:55 PM
value-pole$25.00$25.0011/3/2009 4:03:52 PM
booksleuth$50.00$50.0011/3/2009 4:01:10 PM
MrDavid$25.00$25.0011/3/2009 4:01:25 PM
five-star-justice$36.00$36.0011/3/2009 4:01:31 PM
unk1911$25.00$25.0011/3/2009 4:01:58 PM
mtquan$25.00$25.0011/3/2009 4:05:32 PM
CarDealer3070$25.00$25.0011/3/2009 4:05:39 PM
charming-point$100.00$100.0011/3/2009 4:02:57 PM
shingu79$50.00$50.0011/3/2009 4:03:22 PM
Frenchynh$25.00$25.0011/3/2009 4:03:40 PM
blackstar$25.00$25.0011/3/2009 4:03:59 PM
dparkhom$25.00$25.0011/3/2009 4:06:45 PM
LEWK25$25.00$25.0011/3/2009 4:04:06 PM
wise-spirited-nickel$25.00$25.0011/3/2009 4:04:13 PM
crenen139$25.00$25.0011/3/2009 4:07:08 PM
Cai8899$25.00$25.0011/3/2009 4:07:14 PM
techvet$25.00$25.0011/3/2009 4:07:26 PM
jeg3k$25.00$25.0011/3/2009 4:07:30 PM
iruz$50.00$50.0011/3/2009 4:05:06 PM
youqianderen$50.00$50.0011/3/2009 4:07:43 PM
brother_tam$50.00$50.0011/3/2009 4:05:13 PM
active-reward7$25.00$25.0011/3/2009 4:05:15 PM
capital-duckling$25.00$25.0011/3/2009 4:07:53 PM
JGB$25.00$25.0011/3/2009 4:05:25 PM
a-responsible-return$25.00$25.0011/3/2009 4:05:31 PM
unclejaef$25.00$25.0011/3/2009 4:05:46 PM
AF-Chief$35.00$35.0011/3/2009 4:05:51 PM
kulender$25.00$25.0011/3/2009 4:05:59 PM
SDNLR$25.00$25.0011/3/2009 4:06:01 PM
rolandweary$40.00$40.0011/3/2009 4:06:31 PM
bonus-buddy2$35.00$35.0011/3/2009 4:06:46 PM
RetiredATC$25.00$25.0011/3/2009 4:07:10 PM
JohnW12$25.00$25.0011/3/2009 4:07:16 PM
Sam65$25.00$25.0011/3/2009 4:07:34 PM
Dunndeal4u$25.00$25.0011/3/2009 4:07:49 PM
truth-futurist$25.00$18.7111/3/2009 4:08:02 PM
crazycool$25.00$25.0011/3/2009 4:01:08 PM
djh47a$30.00$30.0011/3/2009 4:01:40 PM
Bank_Of_XL$50.00$50.0011/3/2009 4:18:49 PM
d_grbg$25.00$25.0011/3/2009 4:03:01 PM
Boca$25.00$25.0011/3/2009 4:03:18 PM
rmachi$25.00$25.0011/3/2009 4:04:24 PM
valiant-p2p$25.00$25.0011/3/2009 4:04:32 PM
boater01$50.00$50.0011/3/2009 4:04:45 PM
Cheburashka$25.00$25.0011/3/2009 4:05:00 PM
payout-achievement$40.00$40.0011/3/2009 4:05:03 PM
kanakakm$25.00$25.0011/3/2009 4:05:28 PM
Banker7371$25.00$25.0011/3/2009 4:05:56 PM
Havana21$50.00$50.0011/3/2009 4:06:08 PM
anton$50.00$50.0011/3/2009 4:06:13 PM
czar3$30.00$30.0011/3/2009 4:06:20 PM
personal-lender$25.00$25.0011/3/2009 4:06:24 PM
museic1$50.00$50.0011/3/2009 4:06:42 PM
vcbogan$100.00$100.0011/3/2009 4:06:57 PM
trapper569$25.00$25.0011/3/2009 4:07:03 PM
courteous-deal8$25.00$25.0011/3/2009 4:07:12 PM
WalnutCreekguy$33.00$33.0011/3/2009 4:07:22 PM
chicco$80.00$80.0011/3/2009 4:07:28 PM
economy-synapse$25.00$25.0011/3/2009 5:54:32 PM
BuffetRocks$26.24$26.2411/3/2009 6:23:51 PM
junes08$25.00$25.0011/5/2009 2:29:38 PM
brondero$75.00$75.0011/6/2009 6:27:34 PM
Makemony$50.00$50.0011/7/2009 12:16:46 AM
interstellar$43.06$43.0611/9/2009 10:25:25 AM
Syzygy$25.00$25.0011/9/2009 2:40:41 PM
Mantis75$25.00$25.0011/9/2009 5:22:40 PM
wild-orange$100.00$100.0011/9/2009 5:30:26 PM
durability-colonel$50.00$50.0011/9/2009 6:49:37 PM
yenlowang$30.00$30.0011/9/2009 9:51:49 PM
dorypro$25.00$25.0011/10/2009 12:46:47 PM
TakeCare$30.00$30.0011/10/2009 2:24:03 PM
wwwUniversal$25.00$25.0011/10/2009 3:59:02 PM
145 bids
 
Borrower Payment Dependent Notes Series 431759
This series of Notes was issued and sold upon the funding of the borrower loan #39491, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,100.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Nov-03-2009 
  Auction end date:  Nov-10-2009 
 
Starting lender yield: 15.07% Starting borrower rate/APR: 16.07% / 18.25% Starting monthly payment: $109.09
Final lender yield: 13.00% Final borrower rate/APR: 14.00% / 16.16% Final monthly payment: $105.95
 
Auction yield range: 6.29% - 15.07% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.78%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: May-1998 Debt/Income ratio: 27%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 17 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $4,905 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 1    
Screen name: Meg63 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
Combining my credit card payments
Purpose of loan:
This loan will be used to??
This loan will be used to consolidate my remaining three credit cards into one payment. I want to do this because it will be easier to make one monthly payment instead of three and I?should be able to pay off faster going this route.

My financial situation:
My Financial situation is good. My husband and I both have good jobs and are able to pay all our bills on time each month.????

I am a good candidate for this loan because?
I am a good candidate for this loan because I believe in paying my bills on time. My husband and I have good jobs and will be able to make the monthly payment on this loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: hi, please provide more monthly income/expense details...thanks! - shrewd-income
A: My husband and I bring home around $4,000 a month after everything. Our expenses add up to around $2,800 a month leaving around $1200 extra. So paying off this loan will not be a problem at all. (Nov-04-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
3am-preacher$25.00$25.0011/3/2009 4:04:55 PM
vegibenz$25.00$25.0011/3/2009 5:24:15 PM
slushfunder$100.00$100.0011/3/2009 4:21:03 PM
enticing-treasure5$50.00$50.0011/3/2009 11:23:19 PM
zippy-coin$100.00$100.0011/4/2009 12:45:28 PM
junes08$50.00$50.0011/4/2009 1:54:24 PM
ydm$25.00$25.0011/4/2009 7:19:06 PM
active-reward7$50.00$50.0011/5/2009 1:19:24 PM
LanceLink$25.00$25.0011/5/2009 2:46:43 PM
marwadi-62$25.00$25.0011/5/2009 4:04:34 PM
zippy-coin$150.00$150.0011/6/2009 5:28:21 AM
beuford7$25.00$25.0011/6/2009 4:34:40 AM
maineyankee$25.00$25.0011/6/2009 12:02:25 PM
ATLANTAHELP$25.00$25.0011/6/2009 1:56:03 PM
Spartamare$50.00$50.0011/6/2009 2:39:26 PM
a-finance-nirvana$150.00$148.2411/7/2009 6:27:04 AM
authoritative-social$25.00$25.0011/7/2009 5:40:11 AM
Russh$29.54$29.5411/7/2009 5:01:17 PM
shrewd-income$25.00$25.0011/7/2009 6:05:21 PM
lizphan1$25.00$25.0011/8/2009 6:06:10 PM
GoldenTicket$50.00$50.0011/7/2009 4:18:21 PM
foxy-community$30.95$30.9511/8/2009 2:24:40 PM
doc1$100.00$100.0011/8/2009 5:59:15 PM
Doohickey415$25.00$25.0011/8/2009 7:25:09 PM
Syzygy$25.00$25.0011/9/2009 2:41:10 PM
nashibaksi$25.00$25.0011/9/2009 5:17:12 PM
Feyenoord$25.00$25.0011/9/2009 5:40:06 PM
Student_Capital$25.00$25.0011/10/2009 10:21:23 AM
jybank$25.00$25.0011/9/2009 10:56:02 PM
FinanceEngine$30.00$30.0011/10/2009 2:51:10 PM
wwwUniversal$25.00$25.0011/10/2009 3:59:29 PM
dorypro$25.00$25.0011/10/2009 12:51:41 PM
johnpmid$25.00$25.0011/10/2009 3:44:01 PM
mosby$50.00$50.0011/3/2009 4:13:09 PM
minista$25.00$25.0011/3/2009 4:15:32 PM
PR05P3RToday$25.00$25.0011/3/2009 4:15:38 PM
portfolio-turbine$25.00$25.0011/3/2009 7:21:53 PM
AsianDragon$50.00$50.0011/4/2009 11:11:19 AM
ChristopherHS$25.00$25.0011/4/2009 12:13:56 PM
enthusiastic-balance5$100.00$100.0011/4/2009 1:58:44 PM
matthewrburk$75.00$75.0011/5/2009 4:18:11 PM
mcabery$50.00$50.0011/6/2009 1:26:03 AM
rustyjames$100.00$100.0011/6/2009 3:18:54 PM
4mydaughterseducation$25.00$25.0011/6/2009 5:03:15 PM
AustinAmerica$25.00$25.0011/6/2009 6:17:24 PM
Manta_Rai$25.00$25.0011/7/2009 7:22:06 AM
AlwaysA-Chief$50.00$50.0011/7/2009 9:32:07 AM
Arpad$50.00$50.0011/7/2009 4:23:38 PM
TheGameTable$25.00$25.0011/6/2009 9:53:15 PM
afterhours$25.00$25.0011/7/2009 12:14:23 PM
orbiter614$25.00$25.0011/8/2009 6:58:26 PM
kronosmetis$25.00$25.0011/8/2009 8:47:02 PM
revenue-serenity$25.00$25.0011/7/2009 8:09:25 PM
dunrizzo$26.12$26.1211/9/2009 9:52:54 AM
fair-funds$25.00$25.0011/9/2009 2:45:35 PM
sparkmeister$25.00$25.0011/9/2009 5:24:02 PM
marala4285$25.00$25.0011/9/2009 6:31:11 PM
wild-orange$200.00$200.0011/9/2009 5:28:46 PM
icon7$25.00$25.0011/9/2009 6:23:21 PM
Torvald$35.00$35.0011/9/2009 7:57:26 PM
hidavehi$62.00$62.0011/9/2009 8:11:07 PM
FundMaker$25.00$25.0011/9/2009 8:16:22 PM
steady-peace8$125.00$125.0011/10/2009 10:23:07 AM
credit-coach118$25.00$25.0011/10/2009 11:17:29 AM
VT2VA$25.00$25.0011/10/2009 3:01:00 PM
leverage-monger$100.00$100.0011/10/2009 3:33:14 PM
kofiro$25.00$25.0011/10/2009 3:51:23 PM
friendinmoney$33.15$33.1511/10/2009 3:59:55 PM
HomerdohNY$25.00$25.0011/10/2009 1:52:27 PM
TakeCare$30.00$30.0011/10/2009 2:27:02 PM
70 bids
 
Borrower Payment Dependent Notes Series 431871
This series of Notes was issued and sold upon the funding of the borrower loan #39499, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,050.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-05-2009 
  Auction end date:  Nov-12-2009 
 
Starting lender yield: 27.90% Starting borrower rate/APR: 28.90% / 32.70% Starting monthly payment: $43.94
Final lender yield: 25.10% Final borrower rate/APR: 26.10% / 29.84% Final monthly payment: $42.36
 
Auction yield range: 8.29% - 27.90% Estimated loss impact: 7.10%  
Lender servicing fee: 1.00% Estimated return: 18.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Apr-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Nov-2009) Current / open credit lines: 8 / 7Employment status:Self-employed
Now delinquent: 2 Total credit lines: 27Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $40,768 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$75,000-$99,999
Delinquencies in last 7y: 99 Homeownership: No  
Inquiries last 6m: 0    
Screen name: determined-p2ploan Borrower's state: Michigan 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
WANTED: Help Restarting the Clock
Purpose of loan:??I would be using this Prosper Loan to pay off my?highest interest rate credit card ($950 @ 28.9%).? This credit card is reporting me as delinquent even though I have been making regular payments for 10 months though a payment program.? Please note?that I show?(2) accounts as "Now delinquent", but the "Amount delinquent" = $0.? I have been told that once my payment program is complete (next year),?my account will show as current.? My wife and I currently rent a condo, and I?am extremely motivated to improve?my credit score with hopes of purchasing a home in a couple years.? I am well aware that it will take TIME to improve my credit score, but?I'd?like the CLOCK to start ticking with all my accounts showing current.? Please help me restart the CLOCK!!!

My financial situation:? I am a 36 year old male, and I accumulated?my?debt while "paying" my way through college.? After college, I spent 8 years?working for a large financial consulting firm?as a strategic cost?analyst; then?6 months ago, I became an independent financial consultant.??The majority of my clients made the transition with me from the large firm to my independent practice as they?recognized an immediate cost savings while continuing to work?with me; I could?charge less, but keep more as I have very low overhead.? My clients pay an annual fee, thus my income is steady.

My credit score:? Last year, my income was greatly reduced?as my employer cut commission payout rates by 35%.? As a result,?I fell behind on many?of my payments; thereby causing?my?credit score to fall dramatically.? However, the transition to an independent consultant?has been going very well, and my income is?steadily rising with every new client that?hires me.??It has?been a very difficult?couple years for many Americans, and it taught me to?focus on my personal spending.? I realize how ironic it is that a strategic cost analyst would need to be "taught" to watch his personal spending, but I've also heard that doctors smoke cigarettes.??

Monthly income, expenses and net cash flow:? I have listed my monthly income and expenses below, which shows my net cash flow as $616.

Monthly net income: $ 4,252

Monthly fixed expenses: $ 3,186??
Condo rent: $ 955
Auto payment:? $ 0 - own my car outright
Auto insurance: $ 86??
Gasoline:? $ 160
Utilities: $ 180?- gas, electric,?cable, phone?
Credit cards and student?loans: $?1,255 - reduced?if I get Prosper Loan
Business expenses: $ 250?- website/email hosting, cell phone (I work out of my condo)
401k loan payment: $300

Monthly variable expenses: $ 450?
Food, entertainment: $?250??
Clothing, household expenses $?200

Monthly net cash flow: $ 616
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 prepared to say that you will pay back this loan no matter what? - Toastmaster007
A: ABSOLUTELY, I will pay back this loan no matter what. I need to improve my credit score...I've watched how quickly it can decline, and I am EXTREMELY anxious to continue the slow climb back! Thanks for you interest in my loan! (Nov-11-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
BradP$50.00$12.5111/9/2009 4:37:41 PM
carrinel$150.00$150.0011/12/2009 5:56:00 AM
IPG1$25.00$25.0011/11/2009 3:20:59 PM
investment-cluster$50.00$50.0011/12/2009 1:45:43 AM
jtc26$51.23$51.2311/12/2009 1:44:40 PM
BAEVentures$25.00$25.0011/12/2009 2:37:36 PM
pureliquidhw$25.00$25.0011/12/2009 11:57:51 AM
reflective-rupee$25.00$25.0011/9/2009 8:31:52 PM
tyson789$200.00$200.0011/11/2009 11:21:54 PM
Leshan$50.00$50.0011/12/2009 8:52:13 AM
wealth-grasshopper0$100.00$100.0011/12/2009 8:05:14 AM
TakeCare$25.00$25.0011/12/2009 10:02:29 AM
mespeedy36$25.00$25.0011/12/2009 11:59:56 AM
wild-orange$200.00$200.0011/12/2009 3:27:37 PM
fopaul13$25.26$25.2611/12/2009 3:30:33 PM
just-trade0$36.00$36.0011/12/2009 2:17:11 PM
MrOglesby$25.00$25.0011/12/2009 3:15:46 PM
17 bids
 
Borrower Payment Dependent Notes Series 431929
This series of Notes was issued and sold upon the funding of the borrower loan #39509, 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: 14.0% Auction start date:  Nov-05-2009 
  Auction end date:  Nov-12-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 33.67% Final monthly payment: $64.50
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 15.38%  
Lender servicing fee: 1.00% Estimated return: 14.62%  
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: 6 First credit line: Jun-2000 Debt/Income ratio: 10%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $9,536 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: creative-rupee 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
"paying my mother's surgery"
Purpose of loan: To pay my mother's eye surgery and staying on the hospital for her full recovery. Because she will have the surgery in my native country, all the medical expenses will not exceed $2,500 dollars. I will use $1,000 from my emergency savings account. Her doctor said that her time in the hospital will not be longer than a week after the surgery and she can have her annual heart and bones check up.

My financial situation:
I am a good candidate because I do not have to pay any mortgage or renting. I live with my father and I only pay my personal expenses and help him with some house bills. I also have a part time job at JC Penney in Pembroke mall, Florida. I can provide you with phone number to verify if it is required. I do not own money on credit cards but because I am an authorized user on my father's cards, her debt is reported on my report as mine too.

Monthly net income: $ 2,400 only on K.G. International and around $720.00 (without including commission) at JC. Penny (around 20 hours/ week)

Monthly expenses: $
??Housing: $0.00 my father pays for house mortgage
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 150 my father's wife and I pay some house bills
??Phone, cable, internet: $ 100
??Food, entertainment: $ 80
??Clothing, household expenses $ 70
??Credit cards and other loans: $ 200
??Other expenses: $ 250? because my parents are divorced I support my mother and send her this amount per month
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
BidderAmount BidAmount WinningBid Date (PT)
the-profit-oracle$25.00$25.0011/6/2009 3:23:58 PM
Kqwik$30.76$30.7611/9/2009 5:05:13 PM
shrewd-income$50.00$50.0011/10/2009 4:17:54 PM
bonus-patriot$50.00$50.0011/10/2009 4:41:45 PM
economy-festivity$25.00$25.0011/10/2009 6:50:49 PM
Get56$25.00$25.0011/11/2009 7:21:50 AM
shrewd-income$50.00$50.0011/11/2009 11:45:23 AM
Cashlender1992$25.00$25.0011/11/2009 4:08:53 PM
fireferd$100.00$100.0011/11/2009 8:58:21 PM
the-durability-planetarium$25.00$25.0011/11/2009 9:30:17 PM
People-for-people$50.00$50.0011/11/2009 6:26:39 PM
weezy22$28.00$28.0011/12/2009 5:14:18 AM
motivator72$25.00$25.0011/12/2009 10:12:29 AM
efficient-principal$50.00$50.0011/12/2009 10:36:48 AM
peskier$25.00$25.0011/12/2009 11:07:39 AM
Eloise62$75.00$75.0011/12/2009 12:34:01 PM
jybank$25.00$25.0011/12/2009 11:08:13 AM
REFunding$25.00$15.2411/12/2009 12:17:05 PM
reflective-rupee$50.00$50.0011/6/2009 9:00:05 AM
reflective-rupee$25.00$25.0011/6/2009 8:59:51 AM
Unitas4302$100.00$100.0011/7/2009 8:30:14 AM
rakey$25.00$25.0011/8/2009 7:59:01 PM
CatbirdBanking$25.00$25.0011/9/2009 8:49:58 PM
return-numero-uno9$50.00$50.0011/10/2009 12:27:12 PM
bonus-patriot$25.00$25.0011/10/2009 4:42:07 PM
jamiee73$25.00$25.0011/10/2009 8:21:18 PM
BlessedEveryDay$25.00$25.0011/11/2009 4:59:57 PM
unk1911$25.00$25.0011/11/2009 10:50:03 AM
enlightenment5$25.00$25.0011/11/2009 10:21:03 PM
poormanenterprises$35.00$35.0011/12/2009 5:34:00 AM
Leshan$25.00$25.0011/12/2009 8:54:37 AM
bankbuddy55$50.00$50.0011/11/2009 7:06:20 PM
TakeCare$25.00$25.0011/12/2009 10:08:21 AM
kindness-jedi$25.00$25.0011/12/2009 4:54:17 AM
velocity-flag$25.00$25.0011/12/2009 9:27:00 AM
DonDiego$25.00$25.0011/12/2009 12:24:19 PM
charming-point$100.00$100.0011/12/2009 1:51:55 PM
well-mannered-income3$25.00$25.0011/12/2009 2:33:56 PM
kinetic-social$26.00$26.0011/12/2009 4:10:01 PM
proton4$40.00$40.0011/12/2009 4:10:45 PM
40 bids
 
Borrower Payment Dependent Notes Series 432179
This series of Notes was issued and sold upon the funding of the borrower loan #39489, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-06-2009 
  Auction end date:  Nov-13-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $180.94
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 4 First credit line: Aug-1993 Debt/Income ratio: 16%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 10 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46Length of status:2y 0m
Amount delinquent: $0 Revolving credit balance: $3,477 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: terrific-justice 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
reduce credit card debt
Purpose of loan:
This loan will be used to? Pat down debt on credit cards and improve my Financial situation

My financial situation:
I am a good candidate for this loan because? I have not been late on any payments and believe in paying my obligations

Monthly net income: $
4,100
Monthly expenses: $
??Housing: $ 1,752.00
??Insurance: $ 250.00
??Car expenses: $ 100.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $
??Credit cards and other loans: $ 150.00
??Other expenses: $ Mortgage-1752.00
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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
BidderAmount BidAmount WinningBid Date (PT)
Lubava$25.00$25.0011/13/2009 3:23:35 PM
reflective-rupee$25.00$25.0011/6/2009 4:30:55 PM
reflective-rupee$50.00$50.0011/6/2009 4:31:06 PM
reflective-rupee$25.00$25.0011/6/2009 4:30:12 PM
reflective-rupee$300.00$300.0011/6/2009 8:38:32 PM
reflective-rupee$25.00$25.0011/9/2009 10:36:42 AM
reflective-rupee$25.00$25.0011/9/2009 10:36:30 AM
a-finance-nirvana$100.00$100.0011/9/2009 5:30:42 PM
101010$25.00$25.0011/10/2009 7:17:33 AM
doctorgrab$25.00$25.0011/10/2009 6:26:55 PM
a-finance-nirvana$242.18$242.1811/11/2009 8:37:58 PM
gold-cluster$100.00$100.0011/11/2009 9:16:20 PM
lender12345$25.00$25.0011/12/2009 10:34:49 AM
MrDance123$25.00$25.0011/12/2009 1:50:37 PM
carrinel$200.00$200.0011/12/2009 4:49:08 PM
marwadi-62$25.00$25.0011/12/2009 5:20:29 PM
Rulea72$100.00$100.0011/12/2009 5:44:20 PM
portfolio-turbine$50.00$50.0011/12/2009 5:05:20 PM
scarlet-velvet$25.00$25.0011/12/2009 7:10:30 PM
blue-pragmatic-truth$25.00$25.0011/13/2009 6:27:33 AM
ValyaLibra01$50.00$50.0011/13/2009 7:04:06 AM
ValyaLibra01$25.00$25.0011/13/2009 7:05:58 AM
DasMula$25.00$25.0011/13/2009 8:38:20 AM
loan-eagle9$25.00$25.0011/13/2009 9:08:18 AM
1traveler$25.00$25.0011/12/2009 9:29:39 PM
Unitas4302$100.00$100.0011/13/2009 3:39:42 AM
economy-popcorn$25.00$25.0011/13/2009 5:04:30 AM
income-rocker2$250.00$250.0011/13/2009 12:12:20 PM
tompau$25.00$25.0011/13/2009 8:50:20 AM
semdoc1$25.00$25.0011/13/2009 1:14:43 PM
umfan123$25.00$25.0011/13/2009 8:53:29 AM
currency-wingding$25.00$25.0011/13/2009 8:55:28 AM
Sudoku$54.00$54.0011/13/2009 2:01:53 PM
balance-warrior$25.00$25.0011/13/2009 2:33:15 PM
ZOOOM$32.77$32.7711/13/2009 3:10:41 PM
durability-colonel$50.00$50.0011/13/2009 3:27:47 PM
transparency-tomahawk$25.00$25.0011/13/2009 3:50:53 PM
People-for-people$50.00$50.0011/13/2009 12:21:18 PM
a-reasonable-return$25.00$25.0011/13/2009 2:27:05 PM
56bones$25.00$25.0011/13/2009 3:43:27 PM
best-generosity-financier$25.00$25.0011/13/2009 3:50:36 PM
reflective-rupee$600.00$521.0511/9/2009 10:36:57 AM
reflective-rupee$100.00$100.0011/9/2009 10:36:17 AM
reflective-rupee$100.00$100.0011/9/2009 10:36:03 AM
unk1911$25.00$25.0011/11/2009 10:45:43 AM
a-reasonable-return$25.00$25.0011/11/2009 2:20:39 PM
enthusiastic-balance5$200.00$200.0011/11/2009 5:41:53 PM
Eloise62$75.00$75.0011/12/2009 12:34:24 PM
funimuni$25.00$25.0011/12/2009 7:17:30 PM
new-truth-chuckler$25.00$25.0011/13/2009 1:56:14 AM
DasMula$25.00$25.0011/13/2009 8:37:55 AM
dime-fighter$25.00$25.0011/13/2009 8:46:58 AM
credit-coach118$25.00$25.0011/13/2009 8:52:03 AM
well-mannered-income3$25.00$25.0011/12/2009 7:47:16 PM
glenium$25.00$25.0011/13/2009 9:41:56 AM
DasMula$75.00$75.0011/13/2009 8:24:15 AM
kingbob$25.00$25.0011/13/2009 1:39:00 PM
TakeCare$200.00$200.0011/13/2009 2:22:24 PM
investment-cluster$25.00$25.0011/13/2009 3:41:30 PM
tashara$25.00$25.0011/13/2009 4:01:14 PM
transparency-tomahawk$25.00$25.0011/13/2009 12:38:49 PM
Jazzy503$25.00$25.0011/13/2009 3:50:06 PM
62 bids
 
Borrower Payment Dependent Notes Series 432659
This series of Notes was issued and sold upon the funding of the borrower loan #39515, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-10-2009 
  Auction end date:  Nov-13-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $65.42
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $64.91
 
Auction yield range: 4.29% - 9.94% 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: 10 First credit line: Nov-1990 Debt/Income ratio: 17%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $24,356 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 63%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Catz_aplenty Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Keep family member from foreclosure
Purpose of loan:
This loan will be used to assist 1) a family member who has gotten behind on her mortgage payments, and 2) another friend who has had power turned off to her residence (with minor children in the home).

My financial situation:
I am a good candidate for this loan because I am very conscientious about my responsibilites.? At the moment, however, I am in the midst of a major remodel project on a (3 unit) rental house I purchased in June 2009, which has zapped me of most all of my personal savings ...which leaves me unable to safely free-up the necessary $$ on my own to take care of these issues.?

Monthly net income: $2400.

Monthly expenses: $?1800.
??Housing: $ 520 (includes escrow for taxes/insurance)
??Insurance: $ 44 (term life)
??Car expenses: $?100 (paid for, insurance, minimal driving)
??Utilities: $ 250
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?400
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
sidney102$25.00$25.0011/10/2009 4:17:50 PM
DonaldColorado$25.00$25.0011/10/2009 4:19:12 PM
wrighco$25.00$25.0011/10/2009 4:24:31 PM
gizzywump$25.00$25.0011/10/2009 4:25:18 PM
antlr$25.00$25.0011/10/2009 4:25:24 PM
repayment-chef$25.00$25.0011/10/2009 4:26:16 PM
hard-working-loot$25.00$25.0011/10/2009 4:25:42 PM
GOPHERBOY$65.00$65.0011/10/2009 4:26:19 PM
zoomdrm57$50.00$50.0011/10/2009 4:25:47 PM
first-wampum-trapper$25.00$25.0011/10/2009 4:25:57 PM
loan-warrior$25.00$25.0011/10/2009 4:26:07 PM
Cai8899$50.00$50.0011/10/2009 4:27:15 PM
lloyd_s$25.00$25.0011/10/2009 4:27:35 PM
bdloans$100.00$100.0011/10/2009 4:27:47 PM
CASHGIRL$75.00$75.0011/10/2009 4:28:16 PM
hopethisworks$50.00$50.0011/10/2009 4:29:42 PM
tolstoy00$25.00$25.0011/10/2009 4:29:25 PM
lend_to_you$25.00$15.1711/10/2009 4:30:07 PM
transparency-giant$50.00$50.0011/10/2009 4:19:16 PM
neenerman$25.00$25.0011/10/2009 4:20:59 PM
miked8303$25.00$25.0011/10/2009 4:25:13 PM
MoneyU4IA$40.00$40.0011/10/2009 4:26:02 PM
wise-spirited-nickel$25.00$25.0011/10/2009 4:26:34 PM
turbospeed$25.00$25.0011/10/2009 4:27:08 PM
sellbuy40$50.00$50.0011/10/2009 4:27:51 PM
Steveoo1$25.00$25.0011/10/2009 4:28:00 PM
Patrician$100.00$100.0011/10/2009 4:31:10 PM
bonus-patriot$25.00$25.0011/10/2009 4:50:37 PM
Pickmar$25.00$25.0011/11/2009 7:45:53 AM
five-star-justice$36.00$36.0011/11/2009 7:02:33 AM
NorthlandAlchemist$25.00$25.0011/12/2009 3:31:40 AM
tallmon$25.00$25.0011/10/2009 4:21:36 PM
kchen486$25.00$25.0011/10/2009 4:24:39 PM
TakeCare$100.00$100.0011/10/2009 4:25:09 PM
lucrative-worth$25.00$25.0011/10/2009 4:24:48 PM
syounker$25.00$25.0011/10/2009 4:26:11 PM
Goodlender42$25.00$25.0011/10/2009 4:26:43 PM
Banker7371$25.00$25.0011/10/2009 4:27:00 PM
moola-rose8$25.00$25.0011/10/2009 4:28:05 PM
payout-point$100.00$100.0011/10/2009 4:21:07 PM
julijask$25.00$25.0011/10/2009 4:21:16 PM
888168$50.00$50.0011/10/2009 4:21:26 PM
emo13$50.00$50.0011/10/2009 4:24:54 PM
TrustPlus$50.00$50.0011/10/2009 4:25:34 PM
jd006006$50.00$50.0011/10/2009 4:25:51 PM
worthy-truth$25.00$25.0011/10/2009 4:26:30 PM
sloak$25.00$25.0011/10/2009 4:27:23 PM
cash-boots$30.00$30.0011/10/2009 4:29:35 PM
mizon291$25.00$25.0011/10/2009 4:29:49 PM
the-money-gargantuan$25.00$25.0011/10/2009 4:29:54 PM
unk1911$25.00$25.0011/11/2009 10:50:57 AM
orbiter614$38.83$38.8311/10/2009 8:28:24 PM
vinayski$25.00$25.0011/11/2009 11:04:44 AM
Syzygy$25.00$25.0011/12/2009 10:38:57 AM
54 bids